Insurance for Home-Based Business

with No Comments

If you join Scentsy or operate any other type of home based business it is very important to asses your insurance coverage needs. Specifically, you need to determine how much insurance coverage you have and whether it actually covers a potential risk of loss related to the operatioInsurancen of your business.

The National Bureau of Labor Statistics reports 30% of homeowners operate home based business and most likely greater than 50% of these businesses are underinsured. It is thought that the amount of underinsurance stems from a false assumption that the business operator’s homeowner’s insurance policy will cover more than it actually does. Significantly, a typical homeowner’s insurance policy will not cover personal injury claims or other losses related to the operation of a home based business.

Fortunately, the insurance industry has adapted to the needs of the growing population of home based businesses. In many situations a lapse of coverage can be managed by adding what is called an “endorsement” or amendment to your homeowner’s policy to specifically cover additional risk incurred through the operation of a home based business. In addition, many insurance providers now offer policies specifically tailored to provide coverage for home based businesses. These policies can cover personal injury liability or other losses related to the operation of a home based business. For home based businesses that function in multiple locations outside the home there is a unique product called a B.O.P. or Business Owner’s Package Policy which will extend coverage to liability arising outside the home as well.

Insurance packages will vary from company to company and jurisdiction to jurisdiction. Accordingly, if you are in the market for this type of coverage it is probably a good idea to consult aninsurance professional who will be familiar with the types of policies available and the particular legal nuances of your state.

The Importance of Removing Clutter

with No Comments

Albert Einstein once said, “If a cluttered desk is a sign of a cluttered mind, of what, then is an empty desk a sign?” I do not know if Mr. Einstein was being facetious or simply trying to defend his own habits with respect to clutter. However, I do know that it does not take an Einstein to understand the fact that too much clutter can be an unwanted distraction especially when concentration is required.

Original-Nancy-Ondra_unique-container-gardens-desk_s3x4_leadIf you working on a project that requires concentration it is very important to minimize your distractions so that you can better devote your energy to the task at hand. By definition, a distraction is something that divides attention or prevents concentration. A distraction can take many forms ranging from external noise to other people talking or trying to engage your attention. Even your own internal thought process can be distracting from time to time. But I have found one of the most undermining yet subtle forms of distraction is a cluttered workspace. Studies have confirmed that physical clutterhas a negative impact on a mind’s ability to maintain focus.

It is easy enough to instruct you to remove clutter but I know this can be difficult for some people. Certain personality types are more prone to create clutter than to remove it. If you are one of these people then you will find removing clutter to be an insurmountable obstacle. You may even possess a strong desire to remove the clutter but something always gets in the way. For one reason or another you always seem to put it off for another time. This internal conflict can develop into a source of stress. One effective way to deal with this situation is to get someone else to deal with it. You can do this by hiring a cleaning service. By doing so not only will the clutter be removed but the mental energy you were devoting to it will also be removed thus allowing you to better concentrate on the task at hand.

Operating a Home Based Business Gets Easier Over Time

with No Comments

If you have joined Scentsy or operate any home based business you may have noticed that settling into your routine took some time. This is because becoming comfortable with your routine requires your brain adapt through neuroplasticity. The term “neuroplasticity” describes the human brain’s ability to rewire itself and create new neural pathways and synapses in reaction to environmental and personal changes. This is also the process by which the brain can heal itself from injury. In other words, the brain is not static but constantly changing. Moreover, the brain acts very much like a muscle in how it responds to stimuli. And like the muscles of the body, your brain becomes stronger in variBrainous ways according to the way it is stimulated.

We are all familiar with the sensation of trying to remember a specific piece of information that previously resided in our conscious mind but has since receded out of the conscious mind. We remember knowing the information and we know the information still exists somewhere but in the present moment it cannot be accessed. During these moments there is some internal mechanism at work whereby the brain is attempting to access this information. I often picture this process as a man sitting in an office receiving an assignment to retrieve information. The man takes this assignment and proceeds into a large storeroom filled with filing cabinets from floor to ceiling. In this room the man finds and retrieves the information and then returns to his desk. At his desk he inputs the information into the system. It is at that point that you remember the information you were trying to retrieve.

When you feel your brain working to search for a memory, that feeling is one of neuroplasticity at work. Be aware of this sensation and do not let it frustrate you. It is in these moments, when you are searching, that your memory is working and becoming stronger. It is in these moments that you are stimulating your brain to become better at remembering. These moments are for your brain like lifting weights are for the muscles in your arms or legs. These are the moments when that man in who retrieves the information learns to become faster and more efficient at his job. Establishing and becoming comfortable with a new routine works in the same way. That uncomfortable period in the beginning is the sensation of your brain rewiring itself.

For Men it is Best to Stay Away From Wedding Planning

with No Comments

If you are a man and involved in planning a wedding in Salt Lake City I feel for you. Unless you are the type of person who enjoys this type of thing, my advice to you is to fade into the background or if possible run away until the date of the wedding. With wedding planning there are a million little details to attend to and every decision is likely to make some person angry.


I was extremely lucky when I got married because my wife and her mother made all the preparations. We were both in school in Louisiana at the time. The date of the ceremony was set for August 1st. She went home to Pennsylvania at the beginning of the summer to work on the preparations while I remained safely many states away. Every night she called me complaining about how frustrated she was because her mother was getting so wound up by everything. In addition to her frustrations with her mother, there always seemed to be one person or another getting angry a
bout the various decisions she made. I never understood why so many people use weddings as an excuse to be angry or offended. I tried my best to be understanding during these phone calls but secretly I was glad to not be involved.

The summer wore on and a few days before the wedding I flew up from Louisiana to Pennsylvania and entered the fray. Everything seemed to be planned by then. I think my wife was a little annoyed that she had to go through all the planning while I was away. But the energy of the event was then upon us and the whole thing flew by quickly. Before I knew it we were on our honeymoon and the stress of the wedding planning was behind us.

Creating a Distraction Free Workspace for Your Home Based Business

with No Comments

If you join Scentsy or operate any home based business you would do well to minimize your distractions so that you can better devote your energy to your daily business related tasks. By definition, a distraction is something that divides attention or prevents concentration. Distractions can take many forms and can be anything from external noise to other people talking or trying to engage your attention. Even your own internal thought process can be distracting from time to time. There are many ways to avoid these types of distractions.

If you are working, organize your work station. I cannot emphasize enough howCopyright Eliot Cohen - Zeitgeist Photography
email: important it is to remove all clutter from your desk space. Studies have shown that physical clutter has a negative impact on the mind’s ability to maintain focus.

It is also extremely important to turn off all devices and access to the internet especially if you are working on a time sensitive project. It seems obvious to anyone with a smartphone but studies have also confirmed that the constant checking in on electronic devices eats up a large amount of time during the day and will deplete your ability to focus for extended periods of time.

Sometimes it is impossible to avoid annoying noise. I used to work in an office where the guy two cubicles over had the habit of constantly clearing his throat. It drove me crazy. One technique I used to block out this noise and create a distraction free environment was to employ white noise. White noise is a steady, unvarying, unobtrusive sound such as an electronic drone or the sound of rain that can be used to mask or obliterate unwanted sounds. There is a great, free website where you can listen through ear buds to white noise to your heart’s content to block out your annoying neighbors and other external noise, which will distract you.

Planning a Wedding and the Importance of the To-Do List

with No Comments

If you are planning a wedding in Salt Lake City you likely have many tasks to perform and otherwise keep track of. Many people pride themselves on their ability to remember or perform well on the fly without much preparation. I am not one of them and cannot emphasize enoughmzl.qmeueahx.350x350-75 the necessity of keeping a daily To Do list to make sure I accomplish everything I need to accomplish and avoid the possibility that an important task gets overlooked.

Have you ever traveled all the way to the grocery store only to discover that you cannot remember what you wanted to buy once you got there? Or perhaps you arrived at the grocery store to buy five items but only remembered three of them. This may seem like an obvious suggestion but actually writing out a To Do List is an easy way to remember all tasks you wanted to perform. This is especially true for the tasks that do not come effortlessly to you.

Making a To Do list does more than simply keep you from forgetting important tasks. What youare actually doing when you make a To Do list is you are relinquishing your memory (and will power) to the list. Allow the list to tell you what to do and check off the tasks as you complete them. This technique works well for getting done what you do not necessarily want to get done but know you must get done because it takes the edge off remembering. When you are planning a wedding the last thing you need is more stress.

I have found that writing a list of tasks to perform serves to “free me up” a little if there is part of me that does not want to perform a task and keeps stopping me through procrastination or self-sabotage. This technique works well as a source of motivation especially at first but then looses its power as time progresses. But for events like a wedding where the planning will come to an end on a specific date a To Do list works great. There is a free app available called Errands To-Do List that I use all the time and is easy to use.

What to Avoid Eating to Maintain a Strong Memory

with No Comments

If you are planning a wedding in Salt Lake City you likely have a great many tasks to keep track of in order to make the event a success. As such, it is vitally important th

Egg carton

at you maintain a healthy memory so that no important aspect of your event planning goes overlooked. On easy way to maintain a strong memory is to avoid foods known to have a negative impact on brain function. The following is a list of foods you should avoid to keep your memory strong.

Sugar – High blood sugar levels have been linked to memory loss and a condition known as “brain fog.”  Sugar also has an actual addictive quality leading to overconsumption which tends to make its negative effect on the brain and memory more pronounced.
Processed Foods – Processed foods have also been linked to memory loss and Alzheimer’s disease. This is true because chemically processed foods are high in sugar content which has been shown to negatively affect memory. They also include artificial chemicals not existing in nature many of which have been show to have a negative impact on brain function.

Saturated Fats and Trans Fats – Studies have shown that there is a connection between the consumption of saturated fats and trans fats found in red meat and weaker memories. Maintaining good levels of cholesterol, blood sugar and blood pressure have also been shown to be associated with sharper memories.

Smoking – Studies have linked memory loss to smoking tobacco in addition to the numerous other negative impacts on health. The negative effect on brain function is thought to be related to the thinning of the brain’s cortex observed in smokers. A thin cortex has been associated with mental decline.

Excessive Alcohol – There is some evidence to suggest a connection between moderate alcohol consumption and good brain health. However, excessive alcohol consumption is linked with dementia.

Before You Get Married You Need To Be Able To Say “No”

with No Comments

It may seem counter-intuitive but a successful marriage is predicated on your ability to say no to your spouse. Before you seek out a wedding venue is Salt Lake City take this message to heart. It might just save your marriage.

Do you ever find yourself in the position where a person asks or expects you to do something you don’t want to do but you end up doing it anyway? If so, do you find yourself becoming resentful with that person? If you answered yes to these questions you need to learn how to say no.

If You Can’t Say No You Become Resentful

I used to work in an office. I became friendly with a co-worker and we started going to lunch every day. After a while I began to feel obligated to go to lunch with her. I felt like if I got up and went to lunch by myself I would somehow be insulting her or hurting her feelings. So for a long time I went along with this situation. It was easier just to maintain the pattern than it was to stand up for myself and say I did not want to do this. But over time I found myself becoming resentful. At first I noticed I was becoming annoyed with her. Little things she did like flicking her pen started to irritate me. Later on this developed into anger. At the time I did not make the connection between not being able to say no to her and this irritation that was developing.No

Finally the resentment and the irritation reached a point where I just started going to lunch on my own. It felt wrong at first. I felt like an anti-social jerk. But after a while I noticed that I was becoming less annoyed and resentful with her. Gradually I began to make the connection that this resentment was directly related to my inability to say no to her. Even though my no was sort of passive aggressive at first it allowed for the space for the tension to release.

If You Can’t Say “No” You Can’t Say “Yes”

From there, over time I began to feel more entitled to my right to say no to things I did not want to do. True, there are obligations in life and I am not advocating saying no to everything you don’t want to do, but if you can’t say no at least some of the time you will never truly be able to say yes whole heartedly. You will only say yes grudgingly and with resentment. When you are able to say no and own it, that is feel entitled to say no without worrying so much about hurting someone’s feelings (this comes with practice) then you have the space to pick the things you really want to do and then say yes with your whole heart.

On an airplane they instruct you to put on your own oxygen mask first before you put on the oxygen mask of a child. To someone who is afraid to say no, this instruction might strike them as selfish and wrong. But if you don’t take care of yourself first you may be able totake care of other people in the short run but not in the long run.

Having the ability to say no is particularly important in a marriage. In a successful marriage you will likely be living with your spouse for many years to come. If you cannot say no to your spouse you will become resentful and irritated and the relationship will break down. But more importantly, if you cannot say no to your spouse you can never really say yes because the yes will come from a place of obligation and will not be whole hearted.

Finances and Marriage

with No Comments


Before lookingMoney for Wedding Venues in Salt Lake City couples should discuss their finances. Because one of the most common topics married couples fight about is money. As such it is important that the bride and groom discuss their finances honestly before they tie the knot in order to avoid larger problems down the road.


It is most important that the couple is honest with each other. Any secrecy regarding finances in a marriage is deadly. For example, say one spouse runs up a few thousand dollars in credit card bills behind the back of the other spouse. This will cause tension for the spouse who has to maintain this secret. This tension will inevitably be felt by the other spouse causing further tension and resentment. Once the secret has been brought to light, addition resentment will result and regaining the initial trust will be difficult and perhaps impossible. It is far easier to be honest from the beginning and proceed from there.

Make a Budget

This honest discussion should primarily involve making a budget. Figure out how much income is coming in and how much expenses are going out. Then determine how much discretionary income remains and how it will be allocated. How much can be used for purchases? How much should be saved or invested? If the couple intends to have children money should be saved for their education and other expenses. Some thought should also be given to retirement. The earlier investment begins the longer time the money will have to grow.

One or Two Incomes?

Today it is common for both spouses to be employed and have two sources of income. If this is the case, one arrangement that can potentially ease tension is to maintain separate bank accounts and have each spouse be responsible for different household expenses depending on their income. If only one spouse is earning income then there will need to be a discussion about who will keep track of the finances and how will both spouses have access to the money.

Credit Cards

It is also important to discuss credit cards and how much debt the couple is willing or able to incur. Certainly, the less debt a couple incurs the better because interest payments will eat away at future income in a way that might not be immediately apparent. As such credit cards should be used with caution and vigilance.

It is important for couples to discuss their finances openly, honestly and on an ongoing basis. Ideally this discussion should start before the marriage begins to avoid problems in this potentially dangerous area.

Do You Have the Temperament to Start a Home Based Business?

with No Comments

Join Scentsy

If you are thinking of starting a home based business in the Salt Lake City area or anywhere else there is one basic question you need to consider before determining your business’ legal structure (LLC, S Corp etc.), obtaining a tax identification number, registering for state and municipal taxes and obtaining the proper permits. First you must ask yourself if you have the proper temperament to operate a home based business.

What Type of Business Do You Want to Start?

The type of temperament required will depend a great deal upon the type of business you want to create. Some businesses simply require a phone and a computer to operate. Other types of business require space for storage, equipment and employees. If you have limited space will you be able to deal with cramped quarters?

Will your business require employees? If so will you get annoyed by having your employees working in your home in and around your personal space? If your business is just you and requires your presence in your home will you be okay with staying in your home (the same place you eat, sleep and relax) for extended periods of time alone? Will you go stir crazy? If you have family members or roommates not involved in your business will they get in your way or distract you?


If any of these questions give you pause you should take time to consider them. You may not have the temperament to jump into the deep water of starting a home based business right off the bat. If you think you do not have the proper temperament but you are still committed to starting a home based business, there are possible workarounds. Perhaps you could rent a low cost, basic office space. This will give you the space and variety of experience you might need to keep your home and work life separate and preserve you sanity. Another option might be to try working from home in smaller doses at first to see if it is for you or to see if you can adapt.

Starting a home based business is a serious undertaking especially if this business will be your primary household income. This article is not intended to discourage you from starting a home based business if this is really what you want to do. Rather, the intent of this article is to tackle these potential pitfalls before you start so that you optimize your home based business’s chances for success.


1 2