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LIFE KNOWLEDGE


  • THE CROW - And Its Symbolism
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​Crows are exceptionally intelligent and among the most intelligent birds (and animals) families.  Crows, ravens, and other corvids are capable of abstract thought, meaning they can infer or imagine what other animals are thinking.
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  • BUYING AN EXISTING BUSINESS?
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Overview:
​This GUIDE will help entrepreneurs gather the basics for their due diligence when purchasing an existing business.  
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  • DO YOUR RESEARCH FOR A NEW BUSINESS
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​Every business starts with an idea.  Whether your vision is for a new product or service revolutionizing an industry, your inspiration is a good start.  But the question is, how do you plan to bring your idea to life?  Building a thriving business requires more than a great idea and a vision; it takes planning, discipline, research, and money.
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  • CREATING AN ATEMIZED ASSET LIST
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Overview:
​​Listing your assets can be tedious and time-consuming.  But despite the aggravation, the effort will pay off if you or your spouse should die or you need to make an insurance claim if your home is broken into or destroyed by fire, flood, or another natural event.
  • EBOOK FORMATS - a Guide For Everyone
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Overview:
​Everybody needs a GUIDE, and this booklet explains what you need to know about ebook formats.  Through this guide's explanations, you will maximize and benefit from configurations (FORMAT) that meet your needs and the applications used.

  • INSURE YOUR E-BIKE
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​Overview:
​After spending several thousand dollars on an e-bike, safeguarding it with a separate electric bike insurance policy makes perfect sense.  A condo, home, or renters' policy may provide some protection if your e-bike is stolen or destroyed in a house fire, but it most likely will not provide enough coverage for its replacement.
 
Insurance policies designed for e-bikes offer a wide range of coverages that cyclists need to protect their equipment at home and on the road.  E-bike insurance is affordable and an excellent idea for recreational riders and commuters.
  • CREDIT - What To Know, To Avoid, And What To Do
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​​Overview:
Factors That Impact Credit Scores
Several factors impact a credit score.  These include:
Payment history (missed vs. on-time payments) ; The total amount of outstanding debt; Credit utilization ratio; Number of credit accounts owned
Different types of credit owned, The age of the accounts
The above are the most basic and essential criteria.  But remember, payment history is of the utmost importance.  Lenders need to know if you make all of your payments on time.  It shows that even if you have many accounts and substantial outstanding debt, you can still make your payments. 
Learn more by reading the entire DIGEST.
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