When you work as a freelancer in any industry, your income is a bit unpredictable. Even if you have regular clients, there will be months when you earn more and months when you earn less. In a way, having multiple income streams is more stable than having income from a single job, since if you lose one client, you won't be left completely without pay. However, you do have to consider what will happen if something unfortunate happens to you and you're left unable to work at all for a period.
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Thinking about getting life insurance? It is good to have life insurance for yourself and your loved ones because you do not know when it is someone's time to go. Even if you are a healthy, young person, you could still pass away, leaving your family behind. If you passed away and were not there to help your family, they could end up having serious financial issues. If you get life insurance now, you are protecting the ones you love and having a bit of a security net just in case something does happen.
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You may never hear about SR-22 auto insurance unless you are trying to get back on the road after a DUI or driving without insurance coverage. The requirements for SR-22 insurance are different in various states, but the premise is the same. The SR-22 certificate is part of your insurance policy, and it can be required for a number of reasons in order for you to get auto insurance and begin driving on the road.
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If you've never had to file an auto insurance claim before, the prospect of having to file one may seem a bit daunting. Hopefully, you'll never actually be in a situation where you need to file an auto accident claim—but if you are, it's best to be prepared. While most insurance adjusters are professionals at processing claims in a timely manner, there are some steps you can personally take to ensure there aren't any delays.
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Owning your own business can be complicated, and there are a lot of things to think about. Your immediate thoughts may go to office supplies, start-up costs, paying employees, and making sure expenses get paid. However, another cost that you may not think about but that is just as important is business insurance. There are several types of insurance you should have for your business, outside of just the simple property insurance.
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