General liability insurance is one of the first types of policies you will need if you are starting a new business. At Clinard Insurance we are seeing many new start-ups. Starting your own business is popular these days with the layoffs we are seeing in our economy. Often the best […]
“Bless those who persecute you; bless and do not curse.” The title of this book and the above quote on the cover led me to believe that this was going to be a true story similar to “The Amityville Horror” and other “true stories” of demons and possession. I was […]
When buying a sofa, there are many things to consider. Whether or not to buy a sofa bed is certainly a consideration, and more and more people are beginning to say yes. With the advancements that have been made in comfort and style, bedroom options are starting to make a […]
David Bowie wrote a song about it. Barnes and Noble has numerous books on the subject. And Netflix has at least thirty movies that promise you’ll make it after you watch them. What theme do a musician, a bookseller, and a streaming service have in common? Exchange. I have heard […]
Zig Ziglar said, “The more you express gratitude for what you have, the more things you will have to express gratitude.” He also said, “Among the things you can give and still keep are your word, a smile, and a grateful heart.” As a new violin student in high school […]
What is the Protestant Work Ethic or is it the Puritan Work Ethic (PWE)? To put it succinctly, to me, PWE means that you have no value (in society, your family, and yourself) unless you are productive every day and finish all your work before taking time to play. The […]
Robert Kiyosaki, in his bestselling book Rich Dad: Poor Dad presents the idea of the Cashflow Quadrant®. The cash flow quadrant is a concept and diagram that simply organizes how we generate income into 4 different categories. These categories are E for the employee or employee, S for the self-employed […]
Proper home renovations can add money on resale. But home renovations can be expensive. How do you know which renovations will return that cash when you sell? Seasoned real estate agents and contractors know the answer to this question, so I asked them. “Cost overruns are common,” said one contractor. […]
Mark grew up to be a great figure of man and person. By the time he finished high school, he had started his path to becoming an auto mechanic. By the time he was 41, he had a solid career as a mechanic and had been a successful bodybuilder and […]
Let’s talk about American literature today. It is one of my favorite subjects. American literature has several aspects. Form complicated but valid points of view. Several races are described, but not just one of them can be studied. There are whites, Irish, British and Jews. All of them are born […]
