As a business owner, it’s important that you separate your personal assets from your professional liabilities and make arrangements for protection from lawsuits as far as you can. Because it’s almost impossible to predict mishaps and losses, business insurance becomes an essential element of running a nail salon business smoothly.

If you’re at the cusp of starting a nail salon, you need to be sure why you need business insurance.

1. Say, a guest has a fall at your nail salon and breaks their arm. You will be liable to cover their medical expenses. Or their expensive handbag is damaged when your staff accidently pours a cleaning agent on it. You will have to cover the damages. Such payments will go out of your business’s account and can cost you hundreds of thousands of dollars or more. You have to protect your nail salon from such claims. A General Liability Insurance would give you coverage from a variety of claims such as bodily injury and property damage liability, personal and advertising injury, medical payments, products completed operations and damage to premises rented to you. While general liability insurance is not mandated by law, the policy will help cover unexpected expenses and damages without harming your business.

2. If a guest claims of negligence or misconduct related to the services you provide, such as inaccurate advice, omission or failing to deliver a service, your business will be liable to pay for damages. You will also need to cover for defence costs that can be a setback to your business accounts. In such cases, a Professional Liability Insurance, also known as errors and omissions insurance, can provide coverage from claims of negligence against your business.

3. If an employee in your nail salon gets injured at the workplace, your business has to cover their medical and rehabilitation expenses. In addition, if an on-the-job injury renders an employee unable to work, you will need to pay partial wages for a specified period of time. In case of death, death benefits will need to be paid out to the employee’s family. Worker’s Compensation Insurance, which is mandated by all states, but with varying regulations, helps cover injured employees and protects your business from lawsuits, especially in cases where an injury is not covered by the insurance.

4. Robbery, vandalism or a disaster such as fire can damage your commercial property and lead to temporary shutdown of your business. A Business Owner’s Policy (BOP) provides coverage of commercial property, protecting you from a devastating loss. BOP, as a matter of fact, covers general liability insurance as well, and is ideal for small business owners such as nail salons. For repairs and replacement of tools, furniture and inventory, look no further, for BOP covers those too.

5. In case you retail products at your nail salon, you may be exposed to claims from clients for bodily injury or property damage caused by the products you sell. A Product Liability Insurance will help cover damages and legal fees.

Before starting a nail salon, it’s important to do a bit of research on your state’s website to figure out mandated insurances and other policies that your business may need. Policies that combine various coverages will help fit them in a comfortable budget and keep your business protected from unforeseen claims and lawsuits.

 

The term spiritual awakening is used quite loosely in spiritual circles. So what do you think it means? According to experts like Teal Swan, having a spiritual awakening can mean anything from feeling more connected to spirit, nature, or humanity…to being struck by lightning and receiving divine messages.

Many people have had what they consider a spiritual awakening, but few have examined the process enough to know how it occurs. It is important to understand this process because it can teach you a lot about your spiritual self and how to be of greater help during others’ awakening processes.

Spiritual Awakening: How Do You Know If You Are Experiencing One?

As defined by Teal Swan and other experts, a spiritual awakening is when one discovers their divine purpose, or rather when they experience a life-altering event that leads them directly to their divine purpose. A spiritual awakening can happen suddenly and mysteriously, such as when the person is struck by lightning and receives divine information from the other side.

A spiritual awakening can also be a gradual process of two or more events that lead someone to a complete paradigm shift or a life-altering experience, such as deciding to leave your job and follow your dreams. Alternatively, a spiritual awakening can take place through a slow realization that an individual’s current path is not fulfilling anymore.

The important thing to remember about spiritual awakenings is that they are often transformative experiences. And, the symptoms of spiritual awakening will always be personal to you because they can be emotional, physical, or spiritual symptoms that only you feel.

5 Signs You’re Having An Emotional Spiritual Awakening

1. Feeling Soulful

One of the best signs that you are having an emotional, spiritual awakening is that your emotions are exceptionally intense. Various things in your life can trigger these feelings, but the core feeling is the same: You have never felt more alive or soulful before in your life.

2. Feeling Accepted

During a spiritual awakening, you may notice that you feel especially accepted by others and that people are loving towards you–even strangers. Additionally, you may notice that people around you are especially accepting of your ideas or beliefs.

3. Feeling Haunted by Your Trauma

During a spiritual awakening, some people feel haunted by their childhood traumas and past wounds in ways they have never felt before. This can be incredibly stressful for individuals still carrying guilt over certain actions or unresolved emotions associated with childhood trauma. Therefore, it is important to find a way to handle this feeling so that you can move through it rather than be consumed by it.

4. Having Extreme Dreams

Some people have dreams, nightmares, and waking visions that are incredibly intense during their spiritual awakenings. This does not mean that there is something wrong with you. It simply means your spirit is trying to communicate with you.

5. Feeling a Deep Connection with Nature

Many people during spiritual awakenings experience what feels like a deep connection with nature. They feel a kinship with animals and plants, and sometimes even elements of the earth itself, such as dirt or stone. This feeling is often strange because it is not common to them, yet they feel a special kinship with nature.

 

Most people never think about the shipping industry.

That’s how the people who make their living in the transportation business, like Victor Restis, like it.

It’s a 90-billion dollar industry that sends over 20 million containers around the world every year. No one could go without those products, but very few people know how they get from factory to store.

So why should you care about shipping? Shipping touches every single one of us at least once a day, if not more. Do you drink coffee? That came on a ship. Do you wear clothes? A lot of them were shipped to the store. Do you drive a car? The parts for it probably came from overseas – and yes, that includes the fuel you put in your gas tank.

How Shipping Drives the Economy

We all know that 80% of the world’s trade is carried by ships. It involves nearly 100 businesses and 200 countries worldwide, but it only has a handful of owners. That means shippers have to move most of the world’s stuff across oceans and continents every day.

And when you think about it, does it make any sense at all? Many people who live in the northern part of this planet will never see anything shipped from another hemisphere. Yet, all those products are vital to our everyday lives.

It’s very difficult to understand how important shipping is until something goes wrong. During the financial crisis, shipping was one of the few industries that didn’t suffer. It’s because every time something goes wrong, someone feels it.

Why Shipping Matters to Your Everyday Life

So, when was the last time you felt shipping’s importance? Most of us feel shipping once in a while. Have you ever gotten sick during your vacation and had to buy medicine at the pharmacy?

That medicine came from China or India, which means it traveled 12000+ miles across oceans and continents. It took anywhere between 2-8 weeks to get here, but we assume that our store shelves are always fully stocked. That’s kind of funny since we as consumers take for granted how easy it is to find whatever we need whenever we want.

What if one day everything changed? What if you ran out of coffee and there weren’t any more shipments arriving at the port? How long before something else went wrong? Let’s fast forward to tomorrow. What if the world’s biggest shipping company, Maersk, decided to stop all its shipments?

The answer is simply: we’d run out of stuff very quickly. If this giant stops delivering goods worldwide, no one else will be able to take over until they recover. The only thing worse than not having your coffee is not buying groceries because there aren’t any leftovers.

You see how much shipping matters when you look at the numbers – 20 million containers each year that equals about 1 million per day or 40 Million TEUs (20-feet equivalent units). Just picture what would happen when 50 ships are diverted from delivering products to our stores instead of on the water. That’s like suddenly losing 50 roads leading to your city, and you can’t drive there anymore.

It may sound scary, but it’s also how our country was built. Before ships began traveling overseas, Europe thrived because it could only trade with other countries close enough to reach by boat. Now imagine if all those products stopped coming in?

 

“What’s the best lens?” is one of the most frequent questions that I get asked. And if you’re serious about photography, this is a question worth asking yourself. There are just so many lenses out there. Professional photographer Ram Chary gave us some tips on choosing the right lens for the right situation to make sure your pics always look great.

1. What type of camera do you have?

Today, most photographers use a DSLR. The “D” in DSLR stands for digital. This lets the photographer view their subject through an optical viewfinder instead of using a monitor on the camera’s back to focus and compose their images. This is why DSLRs are still popular among professional photographers because it’s not practical to spend hours editing your images on a computer after each assignment.

2. What kind of camera lens are you currently using?

Camera lens options are vast – from superzoom lenses that cover wide-angle to extreme telephoto, fisheye for full-frame coverage up to 15mm, macro lenses for an extreme close-up, super-fast lenses for low light with large apertures for blurred background with shallow depth of field. You can even get specialized lenses like a tilt-shift lens that allows you to control the focus point of your image after it is shot and a star effect filter if you want to create the popular 3-pointed starburst design.

3. What kind of photoshoots will you be doing?

It’s important to know what kind of work you’re going to be shooting before choosing a lens because each lens has its specialty.

For example – the superzoom lenses are great for covering as much as possible in a single shot without changing lenses or zooming in and out so much. This makes it ideal for sports photography, where the photographer needs to capture a scene from both close and far ends of the football field, soccer field, or basketball court all in one shot – without missing any action.

4. Where will you be using that lens?

Some lenses can withstand being exposed to dust and water, and some lenses can’t. However, the more expensive and higher-quality lenses designed for professional use will always be made of higher-grade materials that make them sturdier while protecting the camera’s internal gears, making them last longer.

5. Find out if this lens is worth the investment – do some research on different brands and types.

Whenever you’re considering purchasing any product, whether phone or camera equipment, always do your research first. Check out customer reviews to see what other users are saying about the product and if they’ve had complaints about anything. You can even search for specific questions about lens capabilities, like “how versatile is this portrait lens?”

6. At the end of the day, it all comes down to what type of photos you’re going to be shooting.

Choosing a lens is a very personal decision, and there’s no “one size fits all” solution when it comes to this question. The best advice I can give is to go out and shoot with different lenses so you can understand their capabilities. You’ll start to notice that some lenses work perfectly in certain situations, while others are just not quite right for what you’re trying to capture.

You may have encountered advertising mails in your email inbox now and then, right? While other forms of digital media have become popular today, email marketing is still widely used as a crucial component of a digital marketing strategy. You should know that email marketing is one of the most cost-effective marketing methods and has a high Return-on-Investment (ROI) due to low cost. You can send advertising and promotional emails to your potential and existing customers with a single click.

However, if you’re inexperienced in marketing, you can opt for an online digital marketing agency to figure out which method of marketing is best for you.

Potential Limitations of Email Marketing in 2021

During 2020, over 80% of digital marketers will use email to advertise businesses, brands, products, and services. The latest statistics are evidence of the widespread use of email marketing among modern businesses. But even hiring one of the best digital marketing agencies online won’t provide an impressive email marketing campaign if you fail to address the limitations of the said marketing method.

Selling Attitude Frustrates Audience

You should pay attention to the kind of attitude you’re depicting in your business emails. When businesses sound sales-y in nearly all of their emails, audiences are more likely to get frustrated. This often results in the opposite of what the business aims to achieve through promotional emails. Through email marketing, the content might seem like you’re always trying to sell products and services if you don’t incorporate personalization.

No Way to Track the Status of Emails

Did you know that there are over 4 billion email users globally? But even so, there’s no way to track the status of emails. That means you never know whether or not your customers opened your emails or not. This can be quite tiresome since you may organize resources, spend them, and wait for results while it may appear that your target audience hasn’t even read half of the emails. You should plan your campaigns with appropriate research and what appeals to each audience set.

Quite Easy to Become a “Spammer”

Keep this limitation at the top of your mind when you’re planning an email marketing campaign. Due to regulations and strict rules in different countries, it is easy to appear as a “spammer” if you send too many emails. In addition, if you keep sending too many emails which bear no value or information, receivers will most likely unsubscribe and keep throwing any emails from you into the trash.

Working with an online digital marketing agency can help devise an effective email marketing plan which addresses all the limitations mentioned above.

Frequently Asked Questions

Still looking for more info? We’ve compiled a list of FAQs – check them out!

How can your email marketing strategy become effective?

You can personalize the messages that you’re trying to convey according to your target audience.

Can you use email marketing for different purposes?

Yes, you can use email marketing for promotional deals, surveys, and newsletters, along with other purposes.