In This Issue: Sam's Monthly Car Care Tip | Great Gift Giving Ideas (Part 1) | Home-Based Businesses Need Insurance

 

 

Sam’s Monthly Maintenance Tip

 

by Sam Opoku of Sam’s Total Car Care Centre

 

Suspension

The suspension is a multi-part system that includes many components: shocks, tire rotors, ball joints and shock absorbers, rear and front struts, front and real coil springs and steering components.

 

It’s important in handling your vehicle and should be inspected when you have an oil change or service call for your vehicle.

 

A good sign to watch for is if the steering wheel is jostling significantly when you drive over bumps.

 

It is an expensive system to replace so always get a 2nd opinion if you don’t know your mechanic well.

 

 

Great Gift Giving Ideas (Part 1)

 

by Brooke Gordon of I Highly Recommend

 

As the fall weather starts getting colder, thoughts of the Christmas season and shopping are evident. If you are looking for interesting ideas this season ... I recommend you check out I Highly Recommend for your gift giving ideas.

 

Porcupine Wood Design was founded by Mark & Alison Rose in 1999. A partnership focused on the designing and making of fine craft. Alison Uses glass to express her love of colour through abstract design within functional forms. Mark’s work is based on his interpretation of traditional pieces. Function, form and particularly attention to detail are important characteristics of Mark’s work.

 

Grace Notes Press blends the talents of Susan Lukas and Beth Rose in graphic design, sewing and traditional bookbinding. They create unique handmade items including journals, gift books, photo albums, note cards, knitware and totebags. Custom orders are welcome.

 

Bonnets & Bags by Brooke designs purses to meet your needs. All the bags are handmade to assure quality and durability, providing you with long lasting and fully functional style.

 

If the shoe fits ... is one of a kind art cards to delight the shoe lover in you, or a friend! Each card is a hand painted, signed original watercolour by Bett Lees-McBride and is accompanied by your choice of quotation. This unique art-thru-the-mail has blank cards for all occasions or no occasion at all! WARNING: Whimsical and unique images that are collectible; often require framing!

 

 

 

Home-Based Businesses Need Insurance

 

by Wayne Nichols, State Farm® Agent

 

The dream of owning a business is becoming a reality for thousands of people each year. For many of these would-be captains of industry, that means starting the operation at home. However, your enterprise may be in jeopardy if you don’t have business insurance.

 

You need business insurance because most homeowners policies place limits on business-related exposures. For instance, a copier or fax machine used for business and damaged in a fire may not be fully covered because it is considered business property. Also, the homeowners policy does not cover business liability, loss of income, exterior signs and many other important items.

 

If a client were injured at your home while conducting business, your homeowners policy would not apply. Anyone who operates a home-based enterprise and does not have the proper insurance coverage is putting his or her business and personal assets at risk.

 

Business insurance may provide many or all of the coverages listed below:

• Accidental direct physical loss coverage for business personal property
• Broader off-premises property coverage
• Loss of income coverage
• Extra expense coverage
• Contractual liability coverage
• Liability of employees while acting within the scope of their employment.

 

Many entrepreneurs start their businesses on shoestring budgets and try to cut corners by keeping expenses at a minimum.

 

But when you consider what you get, business insurance becomes a tool you can’t afford to work without.