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U.S. News & World Report: California Has Worst Quality Of Life

I hate to be a Debbie downer here, but the annual ranking of states by U.S. News & World Report places California last for its quality of life and 32nd overall when all categories are rated. The categories of the “Best States” report and California’s ranking among the 50 states is as follows:

  • Healthcare, 11th;
  • Education, 26th;
  • Economy, 4th;
  • Opportunity, 46th;
  • Infrastructure, 38th;
  • Crime and corrections, 28th;
  • Fiscal stability, 43rd;
  • Quality of life, 50th.

The latter was based on two elements: natural environment and social environment. Iowa is first in the overall rankings, followed by Minnesota, Utah, North Dakota and New Hampshire. To view the full report and state-by-state rankings, click here.

If the weather were a category, there’s no question that California would take the gold medal.

-JK

Millions Will Call In Sick After Super Bowl Sunday

Roughly 14 million Americans are expected to call in sick on Monday — making the day after the 52nd Super Bowl Sunday one of the biggest sick days of the year, according to a survey by the Workforce Institute at Kronos and Mucinex. Post-Super Bowl Monday is “notoriously known as a day where people call out of work,” with 1 in 5 Americans saying they’ve called in sick over the years. This year is expected to be down from the 16.5 million who had said they planned to call in sick last year after Super Bowl Sunday.

Source: LinkedIn

-JK

The Flu is Running Rampant! Don’t Let it Impact Your Business

California health officials said last week that the state’s flu season could turn out to be one of the nastiest the state has seen in the last ten years. “I was flat on my back and in bed for 10 days,” said one So Cal resident. “This has been hands down the worst flu I’ve ever dealt with.”

When someone in your household comes down with the flu, there’s a good chance others in the house will catch it too based on their exposure and close proximity. The same applies to the office or workplace.

An outbreak at the office can also seriously affect your business operations. All it takes is one infected to put others at risk and spread the virus. Fewer hands on deck could potentially impact productivity and operations.

Here are Five Tips for Business Owners to Help Reduce the Potential Spread of the Flu:

Consult the Centers for Disease Control and Prevention for additional suggestions on preventing the flu and maintaining good health habits. The more proactive you are, the greater likelihood you’ll have in decreasing the flu exposure and maintaining your company productivity and operations.

-JK

California State Treasurer Unrolls Business Incentives Program

Yesterday, California State Treasurer John Chiang introduced the California Business Incentives Gateway, an online resource connecting business owners and entrepreneurs with resources to help them grow, including employee training, assistance with permitting and sales tax exclusions.

The California Business Incentives Gateway (CBIG) is a tool from the State Treasurer’s Office that brings together all of the state and local business development incentives to a single access point.

See more here:

-JK

What Does Business Insurance Cover?

Business insurance coverage for a commercial operation can include the following and more:

General liability insurance: Covers third party liability claims for injuries to other people.

Professional liability and malpractice insurance: aka Errors & Omissions Insurance (E&O).  E&O covers professionals against loss due to negligent professional duty, wrongful acts, and advice and services that lead to another person’s loss or injury.

Product liability insurance: Covers against faulty products and damage, illness, injury or death that may occur from using a faulty product.

Property insurance: Covers loss and damage to your commercial business property due to fires, theft, storms and other causes.

Commercial vehicle insurance: Covers commercial vehicles and drivers for collision, liability, property damage, personal injury and “comprehensive” (now known as “other than collision”).

Workers compensation: Covers your employees if they become ill or injured while working on the job.

Loss of income: Also referred to as Business Income, this covers your business expenses such as rent and employee wages if you can’t operate your business.

Key person insurance: Covers loss of income that may result from the head of the business or other key personnel becoming incapacitated or passing away (also known as key man insurance).

Cyber-crime insurance: Provides protection for risks due to Internet use and online communications.

Each and every business is unique. A food products manufacturer or distributor  doesn’t have the same risk exposures as a software developer. As an everyday Joe, you’re expected to know if you need these coverage’s or not for your business. If your head is spinning or you’re feeling overwhelmed, this is why you work with an insurance agent or broker.

Let’s face it, most people really don’t like insurance, they don’t care to read their policies, and they just wish someone else would take care of it for them. I like insurance (don’t judge me), I read policy forms all day long for my clients, and people call me to handle all their business insurance needs so they don’t have to. Pick up the phone and call me today or email me if you have questions about these overage’s and whether your business needs them or not.

-JK

October is Adopt a Dog Month

October is Adopt a Dog Month. If you’re considering a pet; please consider adoption or rescue! Each year, an estimated 3-4 million animals waiting in shelters for someone to give them a safe, loving home never find a hero to adopt them and, tragically, are euthanized.

Dogs are amazing and supportive companions who can make a huge difference in your life as a best friend, an exercise buddy, someone who can be trained to provide animal-assisted therapy and help those with challenges they may face, or simply be a face to greet you after a hard day at work.

We rescued our dog Presley almost two years ago. It was the best decision we could’ve made. We tossed the idea around for a long long time and finally pulled the trigger one random weekend. It may seem like an overwhelming responsibility, but it’s really not once it becomes your reality.

Here’s a pic of our pup:

dog-rescue

For more on Adopt-A-Dog Month®, please  visit:

Adopt-A-Dog Month®

-JK

 

Get Around So Cal on the Metrolink

If you live in Southern California, or have ever visited, you know that our transportation system is awful. More like non-existent. Uber, Lyft, and other ride sharing applications have made life better, but I am still jealous we don’t have a better way of getting around Southern California compared to most other metropolitan cities in the U.S.

Even though there’s the much needed improvement, you can get around various areas of Los Angeles, Orange County, the Inland Empire and Ventura pretty easily on Metrolink. I’m a huge fan and absolutely love to ride the Metrolink trains every chance I get. Considering we have family in south Orange County and a local Metrolink station a mile from our house, we ride the train often. Joanelle and I call it the No Stress Express. We took it down from Tustin to San Clemente on Saturday and back home again this past Sunday. Since the 5 freeway is always at a standstill, it’s nice cruising past certain sections of that freeway at 65 MPH while cars aren’t moving.

Here are a few pictures from our recent ride:

There are still some hiccups and minor delays at times, but it beats the stress of sitting in your car in traffic. Now if only the Metrolink can branch out in to the South Bay or Los Angeles somehow, life would be great! Just wish I could take it to work a couple days a week.

Connect with Metrolink here:

FACEBOOK

TWITTER

INSTAGRAM

-JK

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