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General Liability Business Insurance Policies

If it’s possible that someone could claim bodily injury or property damage due to your business operations, your employees’ actions or your services or products, you should have general liability insurance. Travelers offers commercial general liability insurance options that protect against the unique risks of businesses in a wide range of industries. Commercial general liability insurance protects your business in the event that someone makes a claim against it for bodily harm or property damage. On a daily basis, your company touches the lives of many people, including contractors, clients, customers and the general public. And, at any given point, one or several of these people could claim that your business has caused them bodily injury or property damage and initiate legal recourse. Travelers helps you prepare and protect against these types of risks with our wide range of general and business liability New York commercial general liability insurance solutions.

While general contractors are not required to carry workers compensation, they can be liable for claims filed by employees and would be wise to require sub-contractors to provide valid proof of workers compensation insurance. Also, many states do not allow insurers’ coverage to apply to punitive damages. However, many employers’ liability insurance policies do manage to cover these costs through a “”most-favored jurisdiction”” clause.

Machinery coverage also includes major machinery systems common to most commercial buildings, such as heating, ventilating and air conditioning systems. Since most commercial property policies exclude losses from boilers and machinery, it is important to be aware of any exposure your business may have and discuss it with your broker-agent. Initially a broker-agent will meet with you to discuss your business operations and the exposures that are specific for your industry and business type. If you currently have business insurance, the broker-agent will ask to review your current policy. This is a standard practice used to determine the current coverage you have. The broker-agent is comparing limits, exposure bases, business classifications, exclusions, and endorsements in order to analyze any gaps, errors, or overlaps that may exist in your current commercial policy.

The following insurers may be actively writing or accepting new business. You may contact the companies directly or a Professional Agent or Broker for information on each companies’ underwriting activity. Companies who have provided the Department with names of contact persons, indicated their intention to accept new business in accordance with their underwriting guidelines.

If you have questions regarding particular business, then contact your broker-agent for further information. Depending on the individual risk characteristics of your business, the broker-agent will present you with different coverage options for purchasing commercial insurance. When all is said and done it is your responsibility to make an informed decision and choose the insurance that best fits your business plan. The relationship that you build with a broker-agent is extremely valuable in this critical decision making process.

Please consult with your insurance agent/broker or insurance company to determine specific coverage needs as this information is intended to be educational in nature. Small Business Commercial AutoLearn about New York commercial auto insurance which includes liability and physical damage protection for vehicles

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How To Start A Partnership In 7 Easy Steps

The plan serves as a roadmap for the partnership to implement actions necessary to start up and grow the company,”” Weltman says. Finally, depending on what type of partnership you have, you will need to register with your locality to get business licenses and permits, depending on your business activities. In most states, partnerships may use either the surnames of the individual partners or a fictitious business name . If you plan on using a fictitious business name, it must be distinguishable from the names of all other registered companies in the state.

Having adequate Business liability insurance can protect your business and personal assets in the event of a lawsuit or other claim against your business. For partnerships, your legal name is the name given in your partnership agreement or the last names of the partners. Limited partnerships allow outside investors to buy into a business but maintain limited liability and involvement, based on their contributions. This is a more complicated form of partnership, which also has more flexibility in terms of ownership and decision-making. Written partnership agreements work to protect your partnership together.

For a new business with two or more working partners, a general partnership is much easier to form. If a limited partnership is needed at a later date, the general partnership can easily convert to a limited partnership. A limited liability company can be managed by managers or by its members. The management structure must be stated in the certificate of formation. Management structure is a determination that is made by the LLC and its members.

This section may also deal with other issues, such as what happens if one partner retires, goes bankrupt, becomes disabled, or dies. When such events occur, the departing partner’s share of a business doesn’t automatically get divided between the remaining partners. It is an asset that may be transferred by law to someone (such as a deceased partner’s heirs, or to the partner’s ex-spouse in a divorce proceeding) that you don’t want to be partners with. If you do this, you should specify the method of determining the value of the departing partner’s share. Ennico further recommends that you notify the client in writing or by e-mail that you are NOT in partnership with that person. Otherwise, Ennico says there’s a risk the client may view you as partners and will hold both of you accountable as such if something goes wrong.

A partnership is a formal arrangement by two or more parties to manage and operate a business and share its profits. Peggy James is a CPA with over 9 years of experience in accounting and finance, including corporate, nonprofit, and personal finance environments. She most recently worked at Duke University and is the owner of Peggy James, CPA, PLLC, serving small businesses, nonprofits, solopreneurs, freelancers, and individuals. This content is for information purposes only and should not be considered legal, accounting, or tax advice, or a substitute for obtaining such advice specific to your business.

Unlike the partnership, where the key element is the individual, the essence of the limited liability company is the entity, requiring for its creation more formal requirements. 1 William D. Bagley & Phillip P. Whynott, The Limited Liability Company, §2.10, (2d ed. 2d rev. James Publishing, 1995). Alimited liability partnership offers limited liability to every owner to protect all partners’ personal assets and income. It’s a lower-risk partnership option in which one partner’s actions don’t affect another. Partners come together to share resources, such as their expertise, clientele, and office space.

If you look deep into your romantic partner’s eyes and whisper, “I love your complementary skill set,” you aren’t going to be setting anyone’s world on fire. However, when people use the phrase “You complete me,” it’s the same concept. As all the steps can be daunting and overwhelming, consulting a legal and/or tax professional to assist may not be a bad idea. One of the most significant benefits of being a sole proprietor is that you can act very quickly. Without needing approval from partners, sole proprietors can make decisions without asking another person for their input. While having a partner certainly affords you the benefit of a new perspective, waiting for approval may hinder your ability to make swift decisions.

When it comes to starting a partnership, you have to choose your partner wisely. Shared Financial Commitment.In a partnership, each partner is equally invested in the success of the business. Partnerships have the advantage of pooling resources to obtain capital. This could be beneficial in terms of securing credit, or by simply doubling your seed money. Short-term projects or alliances that bring together multiple partners for a project are typically structured as joint ventures.

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Illinois Small Business Development Center Sbdc At Siu

Purchase of property or services to help determine which invitations to bid are to be designated small business set-asides. In this duty, he or she shall cooperate with the Federal Small Business Administration in locating potential sources for various products and services. The Office of the Illinois Attorney General will use this page to provide small businesses with a plain language explanation of any proposed or adopted rule or new legislation administered by us that affects small businesses. Illinois has more than 1.6 million small business owners, a growth of 138,000 new entrepreneurs since 2019, but the bad news is it lost 21,174 bar and restaurant owners. Illinois Small Businesses Near Me Development Centers are hosted by leading universities and state economic development agencies, and funded in part through a partnership with SBA.

Advertisements for bids or offers for those contracts shall specify designation as small business set-asides. In awarding the contracts, only bids or offers from qualified small businesses shall be considered. Through scholarships, payment plans, and more, we strive to provide an affordable education for everyone in our area.

While that offers little immediate relief, optimism that the state will somehow rectify its fiscal issues is in the air. The state has moved recently to legalize gambling and cannabis, two industries that it hopes will help shore up the hole in the budget by contributing revenue, creating jobs, and attracting people. “”The state of Illinois faces a gargantuan pension liability of more than $200 billion,”” said Jim Collins, co-founder and president of Datamation. “”This lack of fiscal management breeds concern among small business, and it is likely that the state will need to cut key functions and services.””

“”These people have cut their teeth at significant and successful companies in the area. That’s one huge advantage.”” Illinois enjoys the benefits of a diverse and skilled labor market, largely due to Chicago’s dense population, high-caliber universities and other opportunities for workers to develop their skills. According to the Bureau of Labor Statistics, there are more than 6.5 million in the state’s workforce, giving employers a large pool to choose from. Whether you need to travel frequently, bring clients in for a visit or order supplies, Illinois is centrally situated and well connected to the nation’s infrastructure. Entrepreneurs frequently cited that location factor as a major benefit of doing business in Illinois. “”I have operated businesses in Illinois, Indiana and Florida,”” said Bill Davy, owner ofFred Astaire Dance Studios.

Illinois is unique not only because it is home to a major metropolitan area, but it is also geographically close and well connected to virtually every major urban center across the country. Despite the very real challenges facing Illinois, small business owners continue to experience growth and remain optimistic for the future. To find out more about the realities of running a small business in the Prairie State, Business News Daily connected with some entrepreneurs who live and work in Illinois. The grants are available to businesses with revenues of $20 million or less in 2019 that saw a reduction in revenue in 2020 due to COVID-19. To help you start your business, we have identified the best resources across the state of Illinois that can support you in your entrepreneurial endeavors. Once you feel confident about your answers to these questions, it’s time to move onto your business name.

For example, a restaurant will likely need health permits, building permits, signage permits, etc. In Illinois, businesses with one or more employees, including LLC members and corporate officers, are required by law to have workers’ compensation insurance. Choosing to form a nonprofit involves many of the same steps as a corporation or LLC; however, with this business structure, you can apply for tax exemption, otherwise known as 501 status, through the IRS. A sole proprietorship is an informal business structure that isn’t incorporated or separated from its owner.

You will need adequate funding, time, personal support, and professional support in order to move forward successfully with your entrepreneurial dreams. See the small business health insurance plans available in Illinois, and compare their coverage options and estimated monthly cost. Whether you want to earn a degree, certificate, or take a few personal development classes, MCC can help you build a plan that aligns with your goals.

If you’re a woman in business, find funding, tools, and resources with this great Women in Business series. Find organizations in your local area that can assist you with planning. When naming a business, you’ll want to choose an available name that follows Illinois’ naming rules for an LLC or corporation and resonates with your customers. Use our Business Name Generator to find the perfect brand name and website. If you get stuck along the way, connect with a business resource in your local area for help. When readers purchase services discussed on our site, we often earn affiliate commissions that support our work.

It’s no secret that you need funding to start a business, but before you can secure the money you need to cover startup costs, there are a few things you need to do first. This will help you choose the right funding source for your Illinois business’s needs. Next, be smart with your spending and get organized by creating a detailed financial plan. Each chief procurement officer has authority to designate as small business set-asides a fair proportion of construction, supply, and service contracts for award to small businesses in Illinois.

How to Avoid Dealing With a Collection Agency

It is important to contact the original creditor when you receive a letter from a collection agency. It is important to ask for the name of the original creditor, as ignoring a debt can damage your credit score. A collection agency will know the laws and can protect your assets. They can also help you focus on growing your business instead of chasing payments. A bad credit score can make it more difficult to access financial products, and a loan with a bad credit score will likely have a high interest rate. Additionally, it can also negatively impact how potential employers view your application.

Regardless of the company’s size, collection agencies are not a substitute for good customer service. A collection agency can be a very effective tool for creditors. These companies invest in cutting-edge technology, such as template letter generation, and have trained employees in call centers. Many collection agencies work closely with credit bureaus and lenders to help them save time and money. This is a valuable advantage for creditors who do not have the resources to run their own departments.

It’s important to remember that the ACA is a trade association for collection agencies. By joining, a collection agency can become a member of this organization. This organization requires members to follow a code of ethics and provide a centralized officer to handle complaints from consumers. This means that you can rest assured that the agency you are dealing with is legitimate. Aside from that, you’ll have access to a dispute resolution program designed to help you resolve any disputes with your debt collector. These auctions, via sites such as debt collection agency are also available online.

There are several reasons to hire a collection agency. One way to protect yourself from unfair practices is to avoid letting a collection agency contact you. For example, you may be charged more for the same service as another company. If you don’t feel comfortable with the collection agency’s approach, you can try contacting your original creditor to solve the problem. In many cases, the first step in dealing with a debt collector is filing a complaint. If you don’t file a complaint, the agency will still contact your credit bureau and try to recover the debt.

Another reason to avoid dealing with a collection agency is that debt collectors generally receive a percentage of the money they collect. They expect a percentage of the money they collect and will only pursue payment if the debtor pays a certain percentage. The agency will also take legal action if the debt is unpaid by the end of the consumer’s grace period. Lastly, the ACA will provide a complaint resolution program for a collection agency that’s not a member.

Most creditors that hire a collection agency have a good reputation in the industry. The only disadvantage of hiring a collection agency is that they can be untrustworthy and can even make your creditor feel less comfortable. Moreover, there are other issues besides how a debt collector treats its clients. Ultimately, it’s up to you to avoid using a collection agency. There are several ways to protect your interests and avoid having your debts collected by a Collection Agency.

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What Is a Small Business?

A small business is a company with less than a million dollars in annual revenue and fewer employees. A small business has a smaller staff than a large business. It also has fewer employees than a large one. It also is usually owned by a single individual. In general, a small business has a lower number of employees than a large one. Here are some facts about small businesses. They typically have fewer employees and less annual revenue than a large one.

Most small companies fall into two categories: affiliates and small businesses. Affiliates, for instance, control other companies. They have a small stake in them and can block decisions made by those companies. However, if an affiliate has an even greater stake, the result is the same. As a result, the owner-manager must constantly review his/her business plan. The business needs to determine whether it’s a “small” or a “medium” business.

Generally, a small business should not exceed five million dollars in sales. Depending on the industry, a small business may be classified as a medium-sized operation. The size standards are determined by the federal government, and some sectors have smaller requirements. Often, a larger company may be considered a large one, while a smaller one may be considered a small one. Listed below are some other factors to consider when determining whether a small enterprise is a medium-sized or large-sized enterprise. You can get more information about The Hartford Commercial Insurance Reviews.

Despite the countless advantages of owning a small business, there are challenges as well. For instance, a small business may not have the cash flow to finance its own payroll. In addition to dealing with employees, a business owner must be able to motivate its employees and keep morale high. While there are some common challenges associated with small businesses, there are also challenges inherent to small businesses. To be a successful manager, you must be able to make tough decisions.

As a result, small businesses may not be a large entity in the eyes of the government. The federal government classifies businesses as small when they have less than 20 employees. A micro-enterprise has fewer than five employees and fewer than twenty-five employees. A small enterprise has fewer than ten employees. A micro-enterprise is a sole proprietorship. A micro-enterprise has no employees, while a small business has fewer than ten employees.

A small business is a company that employs less than 100 people and does not exceed a million dollars in revenue. In contrast to a large enterprise, a small business has a limited number of employees and a limited flow of finances. A large company, on the other hand, has a very large staff. For the purposes of a tax-deductible, a micro-enterprise is an independent business. It has a single owner and a limited number of employees.

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Self Employed Liability Insurance – What it May Cover

Employer’s liability insurance is basically an insurance policy for workers compensating for work-related accidents, illnesses, and fatalities on the job. It’s rare to see a workplace that is absolutely free from death or injury at some point. That’s why there’s a need for such a policy. The law clearly states who is covered under an employer’s insurance policy. So, if you think you’re working in a company that doesn’t have such an insurance policy, then think again.

Workers’ compensation coverage is a must for all employers and business owners. But the law also clearly states that this particular type of insurance coverage is only available to workers who are directly employed by the company. This means that an employer can only avail of workers’ liability insurance if he employs more than two people working under him.

If you think you are an employee of a company that does not provide this particular coverage to its employees, then think again. Under the law, if you get injured while working for an employer, the company has to compensate for your injuries. In addition, the employer may also be held liable if its worker is injured while engaging in activities conducted by the employer. So, if you are a worker who was injured while working on someone else’s property, then you can sue the owner of the property. In that case, you can recover your losses from the owner of the property.

If you think you are injured while working on a job that you were not hired for, then you can still bring a lawsuit against the employer. This is especially true if the employer was negligent enough to employ you know that you have a serious injury. Usually, employers are held responsible when workers are injured on their property. So, an employer must make sure that he or she provides appropriate and adequate workers compensation insurance policy for its employees. You can get more information about Cable and Satellite TV Installer Insurance

You can either take advantage of available worker’s compensation insurance coverage from your employer or you can find your own coverage. In most cases, the latter would be better. For one thing, it’s usually the case that most workers would rather pay for their own benefits rather than for benefits that their employer would eventually reimburse them for. Moreover, it is not easy to secure worker’s compensation insurance coverage from an employer.

One thing you should also keep in mind is that an insurance policy for workers will not usually cover the costs of lost wages and medical bills incurred as a result of your workplace accident. These are covered by the workers’ compensation benefits package that your employer usually provides. However, an insurance policy for workers does not usually cover rehabilitation or temporary disability payments that you may incur as a result of your workplace accident. If you are injured at work and need help from rehabilitation and other medical services, then you may have to obtain these yourself. These are all details you should bear in mind when it comes to self-employed liability insurance.

Thought Leader – What Is SEO?

Digital experiences is an element of advertising which uses digital technologies like mobile phones, computer networking equipment and other digital devices and platforms to advertise services and products. It is a part of digital media, which has emerged as one of the major innovations in marketing. It is considered as a medium of advertising and sales promotion, as it provides an easy access to the target audience, who can use it to communicate with each other easily and react to advertisements. There are various companies, which provide the service of digital marketing. This article highlights the importance and uses of digital marketing.

Any marketing campaign requires to have a goal or a vision. It is very important to define what you want to achieve from your online marketing campaign. You should know how you are going to measure the success of your campaign, whether it is inbound marketing strategy or digital marketing strategy. When you have decided upon a goal, you can start planning for that. For any inbound marketing strategy, the first step would be to get your target customers, who may not be aware of your brand, to find you on the Internet. The more people find you, the better the chances are of getting them to buy from you.

After you have defined your goals for your brand, you need to choose the right kind of marketing strategy that suits your brand well. You can either do digital marketing yourself, or you can outsource it to various b2b digital marketers. Outsourcing it allows you to focus more on your core strengths, while other digital marketing professionals take care of other aspects of your business. However, when you are planning to outsource your digital marketing, you need to make sure that the firm you are planning to hire is capable of delivering good results. There are many digital marketing firms that offer different kinds of strategies and packages, but it is always better to go for a solid company with a good reputation. Look for user reviews, track records and past success in your target market, before deciding upon a company to handle your digital marketing needs.

Digital marketing in the traditional sense refers to print, broadcast, and Internet advertising. These traditional media types have been effective in giving businesses a well-known presence on the market. However, they do not provide as much scope for targeting the right kind of customer as the digital channels do. This is because the Internet search engines and mobile apps help in making the right choice easier for your business. If your business has developed a good online reputation, then you can easily use these digital channels to reach your potential customers. Moreover, you can also enjoy a cost effective approach to advertising your products and services, as well as maintaining an impressive level of brand awareness.

Search engine optimization, or SEO, is a very effective strategy used by most successful digital marketers to get top rankings in search engines. The more relevant links there are to your website, the better your position will be in search engines. SEO involves the use of keywords or key phrases in the content of web pages so that they can be easily found when a person performs a search. There are two kinds of SEO strategies, paid and non-paid. The former helps to bring in more paying advertisers; whereas the latter tends to draw attention to your website for the purpose of drawing attention to it. Therefore, it is important to understand the benefits of SEO before adopting it as part of your overall marketing campaign.

Social media marketing is one of the most promising trends in the realm of digital marketing. Most successful SMM providers are able to create an online identity for their clients and improve their reputation, credibility, and customer base. SMM allows you to engage with customers and let them feel that you are there to solve their problems. Therefore, if you are a thought leader and want your firm to be known as a thought leader, then you should consider investing in the social media marketing campaigns, which allow you to reach out to a wider audience through the traditional methods of advertising, while also allowing you to focus more on your core business. For this reason, the investment in SMM is worthwhile and should be considered as a part of the overall strategy of your marketing plan.

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Advice About Small Business – How to Get Started

Many people are often in a quandary when asked to give advice about small business. They are so caught up in the day to day running of their businesses that they sometimes forget to set aside time for advising others. That is why I feel compelled to write this article. In it, I hope to cover 3 important points that will help you when asked to give advice about small business.

The first thing I would like to talk about is the importance of having and developing good communication skills. I am sure you have heard this many times before when giving advice about small business. However, I believe it is very important to make sure that your advice is taken seriously. This means making sure you know how to communicate effectively to others. You need to develop a good sense of how to communicate with others. Learn more information about Small Business Insurance Quotes Online.

The second thing to consider is that even if you think your advice is great, you still need to back it up with hard facts and figures. When people are skeptical, they are apt to doubt everything. When you provide solid evidence and figures, you will have increased the odds of your suggestions being accepted. Remember, that’s why most sales people are successful; they don’t bother writing down everything they say! Good solid advice really does work.

The final thing to remember is that your advice needs to be relevant. If you are telling someone to move to Florida to open a Pestonics business, chances are they won’t take you seriously if you tell them they should move there instead. Be sure to use examples when possible. You want to show the person you are talking to that what you are saying is based on statistics and facts. If they don’t understand, it may not make much sense to them.

The last point to consider when giving advice about small business is that everyone is unique. What one person thinks is good advice another person might not think is at all useful. Keep in mind, that the advice doesn’t have to be taken literally. People can be misinformed or misquoted. Just be sure that it is based on actual statistics and facts.

The worst thing you could do when giving advice about small business is not using it. Everyone has a different idea of what is a successful business model. Everyone also has different skills and abilities. Use that to your advantage and your chances of success will rise dramatically.

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A New Day For Digital Marketing Strategies

Digital marketing is the part of online marketing, which uses digital technology like electronic gadgets, mobile phones and various other digital media and channels to advertise products and services using the World Wide Web. The various forms of digital marketing include Search Engine Marketing, Pay per Click Marketing, e-mail marketing, viral marketing, web banner, video marketing and Social Media Marketing. These are mostly used by online marketers and business owners to promote their businesses on the Internet. However, there are certain guidelines that must be followed for effective digital marketing. These guidelines can be found below: You can get more information about

Before starting digital marketing campaigns, it is important for you to know your customers. You need to analyze the profile of your customers before placing any digital channels or ads on them. This will help you place only those ads or channels which will be suitable for your target audience. After knowing about your customers, start placing ads in relevant websites. You can also use social media platforms to advertise your products.

Use of digital marketing platforms. These platforms should be used by the digital marketers in such a way so that they reach their consumers effectively. Some of the popular platforms, which are used by most digital marketers are Facebook, Twitter, YouTube, LinkedIn and Pinterest. These platforms provide the latest news and updates to the users regarding the campaigns. This will help them in knowing about the success stories of the campaigns.

Digital Marketing strategies. The digital marketers can make use of different strategies for reaching their target audience. Some of these strategies are Pay per click, Pay per view, E-mail marketing campaigns, Viral marketing campaigns, Social media marketing campaigns, Pay per call and text message marketing. These strategies aim at reaching the right target audience by selecting the right kind of keywords. For Pay per click, the digital marketers can bid for keyword phrases that people are likely to search for. The advertiser only has to pay when someone clicks on the advertisement.

Digital Marketing Hardware. Digital marketing campaigns can also be launched through the use of digital marketing hardware like iPhones, iPads and even Android phones. Some of the best marketing platforms also support mobile devices, which is especially useful for the aspiring entrepreneurs who cannot afford to spend money on advertising campaigns on television or radio. Many small and medium-sized businesses have started using these platforms for digital marketing as it makes it easier to reach out to the target market.

With the aid of the internet, digital marketing strategies have reached new heights. They provide the best opportunities for advertisers to reach out to the right target market at a low cost. The growth of online shopping has also made it very easy for customers to choose the perfect product for them.

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Finding an Online Professional Writing Service

Have you ever heard of an essay writing service statement of purpose writing services? If not, I’m sure you know someone who has or someone you know who should. Essay writing services can be quite helpful when you need to get your thoughts down on paper quickly and effectively. An essay writing service is a great way to get a personalized statement written for you or for someone else, especially if you want a quick response.

These types of writing services have been around for a while and they are more popular than you might think. You can use one of these services for your college application essay topics. When I first went to college over 20 years ago, I didn’t have the best opportunities or skills to land a job, so I had to work extra hard to make ends meet. A college application essay writing service helped me with the writing of my essay and it paid off greatly in the end.

It is always easier to hire someone that knows what they are doing because it allows you to focus on the facts and the supporting details instead of guessing at how to write the perfect college application essay. It also allows you to get the feedback from another person that will really be able to tell you how you should have gone about things. Most people do not know how to take the information they are given and organize it to make sense. This is something that an essay writer for hire can help you accomplish. The essay writer for hire has the ability to analyze the information you have gathered and make suggestions to help you achieve your goals.

If you are looking for a good personal statement or MBA essay editing service, ask for samples to give you an idea of their skills and work ethic. Find out what qualifications they have worked in the past and whether they were hired or not. Ask if they have ever had to make changes to the information they received and if so, how those changes were handled. This is important because you want to get the most out of your papers. The last thing you want to happen is to have to redo large sections of your paper because you did not proofread them properly.

You can also ask for their creative writing experience. Find out what types of essays they have written before. You want to get a taste of different styles and different formats. You should also ask how many students they have helped and how quickly they get started. Most creative writing services will give you this information and much more so that you can make an informed decision.

Make sure that you feel comfortable with the writer you choose. If you are not comfortable, then you will have to change to another company. Finding an essay college application essay writing service now is simple but will take a little extra time so make sure you take your time. This is an important decision so get it right the first time around.

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