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March Madness Parties: Are You Covered Against Liability?

March Madness is here! Time to fill out your brackets and start cheering on the games with friends and family. In addition to providing hours of college basketball entertainment, the NCAA Tournament is one of the largest gambling events of the year. The Fiscal Times estimates that Americans will bet a total of $9 billion on the outcomes of these games this year. You may remember that in 2014 Warren Buffet offered $1 billion to anyone who could accurately predict the outcomes of all NCAA brackets. It was a pretty safe bet as the odds of completing a perfect bracket are close to impossible. But the difficulty in guessing how the games will play out is part of the fun that surrounds this tournament.
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Rental Car Insurance: Is It Worth It?

If you’ve ever rented a car, you know that you must make the decision about whether or not to purchase the insurance offered by the rental car company before you can get your keys and drive off. Many people wonder if this extra insurance is necessary or even a good idea. The answer to this question is not as cut-and-dry as you might think. Rental car companies will offer you three different types of coverage. Whether or not you should purchase any or all of them depends both on what your current auto insurance policy covers and how much you can afford to lose in the event of an accident. In this article, I will explain each type of coverage so that you can best choose whether any are right for you.
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5 Cost-Effective Advertising Strategies for Small Businesses

Small businesses face a critical paradox in advertising, especially during the first few years of their development. They suffer from limited revenue, due in large part to limited visibility and limited sales, meaning their budgets are restrictive and firm. But in order to increase the visibility and sales that can lead to greater revenue, they need a bigger budget. It’s a circle of logic that doesn’t lead to any comfortable solution. In order to grow your business, you’ll need to have some kind of advertising and marketing budget, even if that budget is small at first. There are several advertising strategies that won’t cost you much money, but can still have a significant enough impact to measurably increase your sales and revenue:
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6 Must-Do Tips for Improving Your Credit Score

Your FICO credit score is one of the most important numbers you should be aware of. Your score influences how lenders, creditors and yes, even insurance companies, view you. If your score is low or if you are just beginning to build your credit, there are things you can do to improve it. Just remember, credit scores don’t go from bad to good overnight. Building good credit takes time, responsibility and a bit of know how. Over the years, I have helped many people improve their credit. People who thought that aspirations such as new-car loans and mortgages were unattainable found they could turn their lives, and credit histories, around and become property owners. If you are trying to raise your credit score, I have a few tips that may help.
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