Protect Yourself with Horse Trainer Insurance

If you train horses, you face a unique risk that other professions do not have. If you employ trainers, you need to think about the kind of insurance coverage they need that may not be covered under general liability. Because trainers deal with frightened and sometimes aggressive animals, it can be easy for them to incur injury. And because horses are so large, they can inflict a large amount of damage with little effort. Even being shoved to the side and into the wall can result in cracked ribs or broken bones.

Horse trainer insurance protects yourself and your employees against these kinds of injuries and ensures your employees are protected from harm. Not only does it cover medical costs, but insurance will also cover any legal defense costs and settlement costs you may face if sued by an injured party.

In some cases, training insurance policies will also protect against potential lawsuits and injury caused to customers riding on the back of a horse. New riders often get scared and can fall from horseback. While this doesn't seem like a huge risk of injury, horses seat high off the ground—and landing on the neck or the head can result in serious injury even from a short fall.

Purchasing insurance to protect yourself and your employees is about more than meeting any legal obligation you may have. It provides a sense of stability and peace of mind that can be invaluable when running a business. If you work with horses, you don't want to think about the damage they may cause, but you can't let your love for the creatures cloud your judgement. Prepare for any eventuality and you will be better equipped to handle whatever situation may arise. Look into the insurance options available to you and choose the best fit for your needs.

Three Ways to End the Frustration of House Hunting

Whether you are looking for a first time home, need to relocate for a job, or simply want something different from what you currently have, house hunting can be a frustrating job. You may know exactly what you want in a new house, but actually finding it at a price you can afford is another thing altogether.

Here are three approaches that can help ease a bit of the frustration in the search for your dream home:

1. Find a Trusted Realtor
   The best thing you can do when house hunting is to find a realtor you can trust. A good realtor will listen to your needs and show you houses they feel will best suit you. As you tour houses they should be listening to what you like or don’t like in order to zero in on the perfect home for your family.
    
2. Pre-Fab Homes
   If there is simply nothing available that suits your needs, you can always consider a pre-fabricated home. These houses come in a variety of floor plans, and you can often customize the details like carpeting, cabinetry, and wall finishes. Once you have decided exactly what features you want, the house is constructed off site and relocated to your property where the final construction takes place.
    
3. Build it Yourself
   One sure fire way to know you are getting exactly what you want in a house is to have one custom built. (We've done it twice) St. Augustine home builders like Collins Builders will work with you to come up with a floor plan that fits your individual wants and needs.

If you can find a reliable realtor that will help you find exactly what you need, you will be all set. Otherwise, move on to the idea of a pre-fab house or a custom built home. These are excellent options when you simply cannot find what you are looking for on the open market. No matter which of these approaches works for you, you will soon be living happily ever after in the house of your dreams.

College Survival Kit

Image via WikipediaWhile Cory's packing the clothes, I've been putting some things together that he's going to need.

• tea - English Breakfast (need to get some mint)
• instant coffee
• hot cocoa mix
• coffee/tea mugs
• plastic forks and spoons
• Emergen-C
• Fire sauce from Taco Bell
• Easy-Mac
• and RAMEN!

A while back I got a Senseo personal coffee maker for around $15, but I never really use it.  It's kind of convenient if I just want one cup of coffee without making a whole pot, but mostly it just takes up a lot of extra space on the counter.  Also, you have to buy special coffee pods to use it, and they cost quite a bit more than just buying coffee beans or ground coffee.  But, for heating water in a dorm room, we think it will work fine.

It heats the water up really fast, and Cory can use it to make his tea, hot chocolate or coffee.  Also, it makes really good Ramen, as Cory discovered this afternoon.  He was thinking that we needed to get some of the Ramen cups that you just need to add hot water to, when he decided to try breaking his usual Ramen into a mug and filling it with hot water from the Senseo.  It worked!  He used the two-cup setting and then the one-cup to get enough water to fill the mug then let it sit for a couple minutes, stirred it, and had Ramen.

He just ought to survive college, now that he has his Ramen.  What do you think?