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Car insurance is definitely something you need when you're out on the road. And sometimes it's easy to just want to pay the cheapest insurance rate you can find.


However, that coverage may not be the best option for you. You might not even notice until you really need it. And no one wants to feel like they're paying too much for their insurance. So where do you start looking? One of the best ways to start is by taking a hard look at your current insurance. Are you paying for features that you don't really use? Are you not covered where you need to be? Or are you really just paying too much in general?


Those are the kinds of questions that will make it easier to find the right insurance for you that you won't mind paying for over and over again.

Photo: liveblogspot.com

Coverage

Every car insurance company out there claims to cover you when you really need it. However, not all of them are able to back up that claim. Making sure you have the right coverage for the right price makes it a lot easier to pay.


However, even smaller insurance companies are able to offer you coverage on your car. Maybe you don't think you can get a good rate because you have a few blemishes on your driving record. Maybe you've been burned one too many times by the big name insurance companies, or maybe they just aren't working out for you. Coverage is the most important factor here, and if you're not getting it, you need to switch providers. And maybe that means talking to a few smaller insurance companies in your area.


Those companies may seem like they aren't your best bet, but you have to remember that they aren't as overloaded compared to bigger insurance companies. They have more time for you individually because they have fewer clients. They may even treat you with more consideration if you're local. There are multiple comparison websites that let you see some of the top rated insurance companies in your state so that you know you're making a good choice and getting the coverage you need.

Additional Features

Or if you're happy with the insurance company you already have, just not the price of it, you could try talking to an agent about different features. For example, you only need liability insurance to drive in most states, so if you're looking for a cheap car insurance plan, then only paying for that may be the way to go. If you think you need a little more than that, you could try eliminating some extra rates you already pay for on your coverage.

 

For example, if you live in a household with multiple cars or have access to public transportation, maybe you don't need rental reimbursement coverage. This kind of coverage will reimburse you if you need a rental car after an accident. The same thing goes for covering the cost of hiring a tow truck. If you don't mind paying out of pocket when you need it, then you don't need to be covered for that on your insurance. Not every insurance company will offer these different additions, but it may be worth your while to see what features you actually need on your coverage.

Price

And finally, price. Contrary to what most people believe, price isn't always the most important part of your car insurance quote. As long as you're getting the right coverage with features that you like, it shouldn't seem like you're paying too much.


However, if you continue to feel that way and you're not satisfied, then maybe you just need to shop around and find cheaper coverage. Look into only getting liability insurance and seeing what that will cost you. Get in touch with some of those local insurance companies to see what their rates are. It’s not hard to find a cheaper price. Just make sure you aren't sacrificing your coverage by paying the least amount of money possible.


At the end of the day, your insurance is there to keep you safe, so find something you don't mind paying for instead of the cheapest rate out there. It might be nice for a while, but when you need to count on that coverage, you'll understand the risks behind it.


Dawn Castell is a budding entrepreneur. After graduating with her MBA, she spent a few years working in the CPG industry and a few more working in the business tech industry before she set off to start her own business. She has been consulting with businesses, large and small, on the side ever since.

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Photo: liveblogspot.com



Improving sales is crucial to growing your business. However, you need the right approach if you are going to succeed. If you don't, you could end up wasting time and energy and still not boosting your sales in the way you want. So be sure to use the following three ways to eliminate errors and increase your chances of succeeding with better sales number now and in the future:

Photo: Lee Flynn

Improve Your Tactics

If you want a functional sales strategy, you need to improve your tactics. Your tactics will define the day to day results that you are getting. Without great tactics, you could frustrate customers, lose out on potential sales, and give your salespeople a system that simply doesn't bring out the best in them.


Qualify Better

The first are you will want to make strides in with regards to your tactics is your qualifying. When you are first meeting with customers, the first questions out of your team's mouth need to be finding out facts about them.


These questions should revolve around their wants and needs. After all, if someone does not even see a problem with their current situation, then they are not going to pay you to fix it.


Also, make sure that you are positioning your company as the prize. Ask the customers to prove that they have enough money, credentials, and other factors in order to be your customer. It shows that you are not desperate. In fact, it makes customers want to buy from you even more.


Training

No company can succeed without training its people. Without training, you are leaving your team to shoot in the dark without direction. When you train them, however, you are instilling various tips and tricks they can use to sell better for you in the future.


For instance, you can have daily sales meetings. In these meetings you can detail the ways in which you want your employees to respond to certain customer inquiries or objections. Drill these rebuttals time and time again. Eventually, through training on a daily basis they will become second nature.


Another way to get better training into your sales process is to bring in outside people. Having a professional sales trainer can bring a number of benefits. First of all, it always helps to have a third eye to view your company through. Secondly a trainer will have vast experience and know the common mistakes that beginners make when trying to learn how to sell.


Great training is essential to improving your sales. So make sure you are putting the above aspects to work for you. That way your team is not just paying lip service to your sales process but you know they are putting in the work as well.


Goals

The first thing you need to focus on is making your goal specific. Vague goals do not inspire action. Just saying that you want to boost sales is not enough .You need to attach a certain number to it so that you know exactly when you have surpassed that goal or not.


Secondly, all goals need a start and an end date. The start date is usually right this second and the end date should be sometime in the next several months. If it is a longer term goal, then be sure to break it into smaller chunks so you can never lose sight of the progress you are making each day. That way the motivation can keep going even when you have an off day.

 

If you don't increase your sales, you will miss out on numerous opportunities that could help your business. Using the surprising methods above, you can leverage tactics that will put you ahead of the competition. That way, you don't have to worry about losing market share or profits. Instead, you can position yourself for rapid growth both now and in the coming years.

 

Lee Flynn is from the Wasatch Mountains near Salt Lake City, UT. After Lee spent years preparing himself, his home and his family, he decided he had to do more. In his free time, Lee helps educate those who want to do the same. Through small local workshops and articles, Lee trains and teaches others on home preparation, food storage techniques, wilderness survival and self reliance. After obtaining a bachelors degree from the University of Utah, Lee moved to the Salt Lake Valley where he now lives with his wife and daughter.

 

 

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If you are in a B2B business, then communication is essential. In a world where things are more connected than ever, being able to communicate better than the competition can bring you a lot more opportunities now and into the future. So don't risk missing out on the increased customers and growth. Use the following tips to make your communication work even better for you:

Sharing Useful ContentPhoto: 123RF.com

Content is communication now. In the digital world we live in, content communicates your ideas, missions, and successes to the world. It tells customers and partners what you are all about. It also tells them what you actually know about your market.


Try implementing a content schedule. If you post weekly, monthly, or even daily on a schedule then it will be easier to stick to it. That way, over time you will have a content library that communicates for you even when you are not there.

Telling Your Story Better

Telling stories is a core part of being human. And that is why people respond so well to them. When you tell your story, you are connecting with people on a deep level in your market. It makes them understand your journey and your value even more.


To tell more stores, use social media to your advantage. Start documenting what you are doing in your B2B business. Not every day has to be amazing, but the whole collection of social media posts will add up to a story that is interesting and dynamic.

Speaking to Desires and Needs

Focusing on your customers' needs and desires is crucial. This is especially true when you are communicating. When you focus on what they want, you take the pressure off of what you are thinking or doing.


This kind of communication also demonstrates to people that you truly care about what they want. It builds stronger relationships with clients all throughout the business. That way, they are more receptive to your ideas for improvement, selling, or other business ventures.

Improving Your Document Management

In the B2B world, handling documents is a fact of life. You will have numerous documents that need to be received, analyzed, shared, and acted on. If you don't have a quality communication strategy between your team or you and your customers, you will set yourself for failure.


For instance, a law firm might use legal document management tools to make it easier to edit, approve, and send documents in a safe way. This speeds up the communication cycle and removes a lot of the hassles of dealing with paperwork by taking it digital.

Doing More Video

Video is an excellent communication strategy. In this day and age, it is the second best thing to being there in person. Text and audio can work great too, but when you truly get a great video, it communicate on a much deeper level. This allows you to reach your audience in better, more effective ways.


Try multiple angles of video when you do your next conference or speech. Post it online on your site and even your social media accounts. It helps in building authority and intrigue around your business.

Listen First, Speak Second

In business, it can be tempting to talk first. You want to share your insights and help people. However, you need to develop the habit of listening.


When you listen first, you gain a lot of information about the other person. This allows you to solve their problems without having to dig for them. Then, as a result, they will trust you even more.


In today's world, if you can communicate better than your B2B company will have a better chance at success. Vision is important, but communicating it is also vital. So don't miss out on the opportunities that better strategies can provide you. Enjoy more profits and peace of mind by putting the communication tips above into practice today.


Dawn Castell is a budding entrepreneur. After graduating with her MBA, she spent a few years working in the CPG industry and a few more working in the business tech industry before she set off to start her own business. She has been consulting with businesses, large and small, on the side ever since.

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Photo: 123RF.com




As summer winds down and the autumn winds kick in, many people have more than just dropping temperatures to worry about. With the cold comes dry and cracked skin. While you may think you’ll be able to get away with it wearing scarves and long sleeves, your body will thank you for taking care of it all year long. Here are five ways to help you avoid that seasonal dryness.Photo: blog.yankausa.com


Stay hydrated

Drinking water can be more difficult during the cold months when all you want is a warm cup of coffee or a pumpkin spice latte. But staying internally hydrated is the best thing that you can do for your skin. If drinking eight glasses of ice cold water a day doesn’t appeal to you, try flavoring it or adding foods like spinach and cucumbers to your diet. When it comes to fighting dry skin, the best offense is a good defense.


Exfoliate

At the beginning of the new season, you should give your skin a nice and thorough exfoliation. Clear away the dead skin and allow your moisturizers to really get to the point. Avoid harsh, chemical-ridden exfoliants and opt, instead, for hydrating exfoliants that help moisturize your skin while clearing away what’s getting in the way.


Keep lotion with you

Get in the habit of having a good lotion with you at all times. Keep one in the car, in your purse, and on your bedside table. There’s no such thing as too much when it comes to moisturizing your skin. And make sure you use a well-respected, cream-based moisturizer like the Moisture Restore Intense Moisturizer from the Nu Skin Company. Nu Skin product reviews rave about the all natural moisturizer that can save your autumn skin.


Use a humidifier

Humidifiers aren’t just for children or those prone to seasonal allergies. Humidifiers have been shown to increase moisture in the air and decrease the amount of water lost from our skin during the night. During the colder months, when our bodies are working overtime to stay warm, we use up much more moisture than in the hot months. Keeping a humidifier on in your bedroom at night is such an easy thing to do for your skin, you could do it in your sleep.


Relieve stress

There is a reason that stress relief is such a hot topic right now: it affect everything. The higher your stress levels, the less water you are able to maintain throughout your body and, therefore, your skin. If you find yourself frequently anxious or worried, do what you can to relieve it. Join a gym, practice meditation, or commit to not biting off more than you can chew. A relaxed mind and soul translates to a healthier, more hydrated body.

 

Fall can be a wonderful season for family activities, beautiful sightseeing, and even romantic rendezvous. But don’t let the changing of the weather affect your skin. Follow these five tips to make sure you’re looking and feeling your best so that you can fully enjoy everything that this season has to offer.


Dawn Castell is a budding entrepreneur. After graduating with her MBA, she spent a few years working in the CPG industry and a few more working in the business tech industry before she set off to start her own business. She has been consulting with businesses, large and small, on the side ever since.

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Photo: blog.yankausa.com



Conceiving a business idea is one thing, but actualizing the idea into a real business is another. It takes high levels of persistence, patience, commitment and strategic planning to start a successful business. Therefore, while starting your business can be fulfilling, there are certain things that you need to consider to bolster the probability of sustainable success.

Starting a New Business? Consider the Following

Business Research

Every business starts with an idea. However, the fact that you are the originator of the concept does not necessarily mean that you know everything about the business. It is therefore essential to conduct research to learn more about the business that you want to start. The business research process is an opportunity to learn from other people who may have a similar or related idea, including professionals and experts in the field.

The underlying goal is to eliminate guesswork and errors, thereby reducing the possibility of business failure. There are quite a few business research companies in Philadelphia that you could contact to get some help with your research.


The Target Market

You are starting a business to provide solutions to the customers. Therefore, you should define your target market from the onset. You need to know their demographics, lifestyle, and what they want. Ignoring the expectations and preferences of your customers could result in business failure. If there is no ready market, have a plan to create the demand for the product you are offering. If you understand the target consumers, you can design products and services that fulfill their particular needs. In turn, the customers are satisfied, which translates to consumer loyalty and, ultimately, more sales and profits.


Business Finances

The actualization of a business idea into a real business requires starting and operating capital. It is essential that you define how you will fund your business to ensure that it runs smoothly and fulfills the market needs. For the small and mid-sized businesses, personal finances and support from family and friends may suffice at the beginning. However, as the business expands and the market grows, you may want to consider seeking loans from financial institutions. Have a financial plan that defines the sources of business capital, as well as how the cash flows and other accounting aspects will be managed to ensure efficiency.


The Role Of Technology

Consider how you can incorporate technology to streamline your business operations. Multiple digital business management solutions suit different businesses, depending on the unique needs. For example, a digital asset management solution may be necessary to ensure efficient management and utilization of your business assets. Other relevant digital solutions include inventory management, social media management, human resource management and digital marketing solutions. Identify the technology that suits your business, and incorporate it to enhance business productivity.


The Human Resource Factor

Your business needs the right talent to achieve its objectives. Depending on the size of your business, you need to identify and enlist talented people who share your vision. Embrace the idea of teamwork, and provide a friendly working environment for your employees. Where appropriate, allow them the necessary autonomy, which combines with the proper incentives to creates a sense of ownership. Ultimately, you will have committed employees who perceive the business as their own, meaning they are ready to work beyond the call of duty to deliver success.


Legal Implications

Every business operates under a specific set of rules and regulations. Take time to understand the relevant legal provisions that apply to your business. If you do not understand the rules, it may be worthwhile to engage a legal expert to guide you in identifying and obtaining the relevant licenses and permits, and protecting your business idea. Ensure that you fulfill all the legal requirements before starting the business to avoid costly, time-consuming and disruptive legal battles that can potentially finish your business.

Take time to define the legal, financial and market dynamics that apply to your industry. Prepare all the requirements, and enlist the right people to work with you as you execute your business idea. Lastly, use the relevant technologies to position your business in a competitive starting point as you prepare for sustainable success.

Lee Flynn is from the Wasatch Mountains near Salt Lake City, UT. After Lee spent years preparing himself, his home and his family, he decided he had to do more. In his free time, Lee helps educate those who want to do the same. Through small local workshops and articles, Lee trains and teaches others on home preparation, food storage techniques, wilderness survival and self reliance. After obtaining a bachelors degree from the University of Utah, Lee moved to the Salt Lake Valley where he now lives with his wife and daughter.

 

 

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A business, just like an airplane has to be enhanced to ensure that it functions efficiently for consumers and owners. Unfortunately, most business owners don't take time to work on business inefficiencies, which come in an array of ways and they cost close to 35 percent of revenues every year. Every business needs to work on enhancing its efficiency so that it offers its clients the best services and products at an affordable price.

Want to Improve Your Business Efficiency? Check Out These Ideas

Access employee productivity

One of the critical areas you should start working on is the productivity of your employees. You need to be sure that your employees are at their maximum productivity so that you increase your business efficiency. Businesses that have several departments should ensure that they have supervisors to carry out a job performance review regularly. The supervisor should review each employee in all the departments and discuss with them ways of boosting productivity.

 

Building an open and transparent communication between the management and supervisors is essential if you want to have a common goal of increasing business efficiency.


Start with what isn't working

Before you change anything, you need to learn how to identify the inefficient processes. You can identify the inefficient areas on your own or with the help of an expert. Having identified the weak areas in your business, you need to come up with the causes so that you design better ways than the current ones of operating the business. The ability to enhance business efficiencies in the future largely depends on how fast you notice areas in the business that slow down operations.


Leverage technology

Close to 25 percent of businesses lose their competitors due to inefficiency in digital integration. You can increase your business efficiency by leveraging technology, from billing, marketing campaign management, bookkeeping to clients' relations. You can use technology to reduce the time spent in some processes and utilize it to increase productivity. Besides, bpm improves business and reduces communication breakdown, which is a leading cause of business inefficiency. Additionally, you can quickly generate and share reports with customers, suppliers or the management to ensure enhanced business efficiency.


Democratize market

Even the best aircrafts face challenges flying through storms. Fortunately, you cannot do much about the weather, but you can do everything about the market. Businesses can enhance their efficiencies by using democratized methods to make it easier for clients and employees to access information. Research shows that businesses that democratize their markets have a 30 percent possibility of retaining their customers and increasing revenues up by 55 percent.


Stick with the established process

A common mistake made by businesses is changing processes in the middle of an ongoing project. Avoid trying to cut corners with the aim of speeding up the process because you might miss something that will require to be fixed in the future, which cost time and money. However, that doesn't mean that you cannot change things, but not because you are behind schedule or without a plan. Also, you need proper communication with the full team before and after changing a project to be sure that it continues to run smoothly.


Listen to your customers

You need to listen to your customers even after examining their behavior because retaining customers is essential in increasing business efficiency. You can utilize customer relationship management software to enhance communications with clients and ensure customer satisfaction. Customer relationship management software is integral in tracking email responses and correspondence from clients, improving client information database, and using autoresponders to keep customers updated. Additionally, the software helps businesses to gain input from its customers through social media, which is essential in ensuring business efficiency.


Know your finances

Business efficiency is primarily affected by how well it manages its finances. You need to understand your financial position so that you can make smart business decisions. Also, it keeps you aware of strategic ways of optimum utilization of resources.

 

Brett Clawson is a business owner and entrepreneur with over 10 years of experience. In his free time, he enjoys writing and learning about emerging business trends.

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What is Business Intelligence?

 

With the massive amount of data that is at our fingertips, it can hard to gather and use information in the most effective way without the use of help, such as software programs. Business Intelligence (BI) is how technologies and applications collect, integrate, analyze, and present business data. The primary purpose behind BI is to help businesses make smarter decisions.

 

It is important to note that BI is not only intended for large businesses. Many types of businesses, such as warehouses, grocery stores, and small eateries, can use BI for better productivity. Photo: CIO.com

 

How Does Business Intelligence Work?

Business intelligence includes collaborative BI, mobile, BI open source BI, SaaS BI, real-time BI, and operational BI. The information is collected and analyzed quickly through visual application that create charts and infographics. Moreover, BI also offers business metrics and visualized data that is easy to understand.

 

Why is BI Important?

There are many advantages to BI, such as:

 

It Increases Productivity

When businesses use traditional research methods for gathering information, employees will be tasked with compiling information and writing detailed reports, which takes up a significant amount of time. A BI program is beneficial for these tasks because information can be collected and analyzed by simply clicking a button. Programs, like Amazon Redshift, are cloud based data warehouse services that enables business owners the ability to gain new information about their customers and business.

 

In addition, employees will be more productive when they have access to the data they need. As a result, employees will be able to concentrate on improving their work skills instead of wasting time manually gathering information.

 

Less Micromanagement

BI can also help businesses cut down on the amount of micromanaging that takes place. With a BI program, managers and administrators can set clear guidelines and expectations as to what is needed from their new employees. This will lead to less micromanaging because parameters and goals give employees an understanding of their roles and responsibilities.

 

BI Helps Businesses Learn from Past Actions

Many businesses use BI primarily for an accurate analysis of future business actions. This is known as prescriptive analytics. BI programs can efficiently store enough of the company's information from past trends to make an accurate predictions. With this type of BI, businesses can also use a business analyst who studies the past trends and make a prediction.

 

Data Visualization is Easier

Many BI systems have the ability to quickly transform information into charts and graphs that can help employees understand complex data. According to a study from Cornell University, if individuals are presented with data in words, 68% will believe what is being presented. However, if information is presented in a graph, then 97% of individuals believe and understand what is presented to them.

 

BI Helps With Inventory

BI can be a great way to stock inventory and prevent the high cost of keeping excess inventory in stock. With business intelligence software, businesses can use its insights to control manufacturing and save money.

 

It Can Repeatedly Test Actions

BI can be helpful for companies that are in the process of change. Instead of drastically changing the company, BI can test proposed changes repeatedly to see how it will impact the business by using a controlled environment. The data can show if the change will be a successful move for a company.

 

It Aids in Convincing High-Ranking Decision Makers

BI can also be used to help stakeholders see what is planned for the company's long-term success. Decision makers have access to the information that is influencing the company's decisions with BI.

 

The bottom line is using data that is gathered and accessed by business intelligence is a direct path improving any company. Ultimately, the goal of BI is to give businesses an upper hand over the competition.


Lee Flynn is from the Wasatch Mountains near Salt Lake City, UT. After Lee spent years preparing himself, his home and his family, he decided he had to do more. In his free time, Lee helps educate those who want to do the same. Through small local workshops and articles, Lee trains and teaches others on home preparation, food storage techniques, wilderness survival and self reliance. After obtaining a bachelors degree from the University of Utah, Lee moved to the Salt Lake Valley where he now lives with his wife and daughter.

 

 

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Philadelphia-based business owners who fail to keep up with the latest technology news, innovations, and market trends could be placing themselves at a real disadvantage. Developments that have the potential to impact not only local businesses but regional markets and even global industries are not a concern that should be taken lightly. Knowing more about the latest trends helps to ensure that Philly business owners can seek out and make use of a wider range of resources, options and solutions.

Workplace Automation Photo: pacificvoyagers.org

The age of workplace automation is here and even small businesses and new startups stand to benefit. More efficient ways of handling almost every aspect of their day to day operations allows organizations to lower payroll and overhead costs while also boosting productivity. From software applications and smart-devices to more sophisticated equipment and machinery able to offer a range of features and performance options that would have been unheard of only a decade ago, enhanced automation is already beginning to change the way that businesses operate.

 

Relying too heavily on outdated resources and conventional operational methods could be a big mistake, one that may end up costing Philly-based businesses a great deal more than they might realize.

Artificial Intelligence (AI)

Smarter machines have a great deal to offer and business owners would do well to keep an eye out for any opportunities to utilize AI to improve their current business model. From the range of digital personal assistants that are currently on the market to the most exciting tech trends that may be lurking just over the horizon, a current understanding of the latest developments within the field can provide business owners with plenty of valuable insight. The development of more powerful computer systems and mobile devices coupled with the falling price point for such devices means that AI is a technology business owners can expect to see a whole lot more of in the days to come.

Virtual and Augmented Reality

Virtual reality (VR) functions by providing users with an interactive visual environment, one that has the potential to revolutionize everything from construction and design methods to surgery and medical procedures. Augmented reality (AR) is quite similar although instead of providing users with an immersive all-digital environment AR is used to project a graphics overlay on the real world. AR can be used to provide an layer of information-rich graphics that does not inhibit or interfere with a user's ability to perceive and interact with their surroundings. While both technologies are still in their infancy, VR and AR offer a seemingly limitless range of uses that business owners would do well to learn more about.

Data Analytics

The latest methods for analyzing data can be of tremendous value to both large and small businesses alike. Utilizing computer systems that offer greater raw processing power with sophisticated algorithms and the more information-dense records that automated tools and digital working environments are able to create has the potential to provide greater understanding and insight regarding almost every aspect of business operations. From developing more detailed and accurate customer and client profiles to being able to spot and identify the latest trends market research can produce, data analytics is a tool that no organization can afford to ignore.

Future Trends Worth Keeping an Eye On

New technologies and shifting consumer and worker habits have the potential to impact market trends throughout the state and beyond. Business owners who are committed to keeping pace with the latest trends, developments and news may find themselves much better equipped to handle any obstacles or to take advantage of any opportunities that may be found on the road ahead. Making it a habit to learn more about the latest predictions, speculation, and market forecasts can have many benefits, especially for businesses that operate within markets that can expect to see frequent of far-reaching changes that may often occur quite quickly or with little warning.

Brett Clawson is a business owner and entrepreneur with over 10 years of experience. In his free time, he enjoys writing and learning about emerging business trends.

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Photo: pacificvoyagers.org



Philadelphia is the largest city in the state of Pennsylvania, and it is one of the most visited destinations in the country. It has also become one of the most important centers of commerce and trade in the United States, and many people are visiting the city because of its rich culture and history. For those who are visiting Philadelphia for the first time, this is a list of all the things that they can do to maximize their stay in the city.


Performing these experiences would make someone say that they have managed to do everything that they can to enjoy the city of Philadelphia is a few days stay.

1. Visit The LOVE Sculpture

The LOVE Sculpture can be found in the John F. Kennedy Plaza, and it is just a short walk from the city hall. It is one of the most recognizable monuments in the city, created by Robert Indiana. The monument was created to show the world that the people of Philadelphia are known for their love and compassion for others. There is also a bilingual equivalent of the famous LOVE Sculpture, known as the AMOR Sculpture.

2. Check Out The Boathouse Row

The Boathouse Row is an area located near the Schuylkill River, where people can see 19th century-inspired boathouses. The landmark sits near the Philadelphia Museum of Art, and a lot of tourists are visiting the boathouses because of its unique beauty and charm. It’s great to take a walk at Boathouse Row early in the morning or during sunset.

3. Head Out To The South 9th Street Italian Market

This market has been considered as one of the oldest outdoor markets in the United States. It was established in the late 1800s, and there is a lot of things to do inside. Visitors can buy fruits and vegetables from the merchants who are from the fourth and fifth generation families, with a majority having an Italian bloodline. People from around the world converge inside the market, selling their stuff to the curious crowd. There is also a happy hour bar or two near the market, so be sure to check those out too.

4. Visit South Broad Street And The City Hall

The Philadelphia City Hall is among the largest public buildings in the United States, and it is considered as one of the architectural treasures of the country. The city hall has served the city’s government for more than a century, and it offers a lot of green space for the visitors to enjoy. You could also reach the Avenue of the Arts from the municipal building and enjoy the public display of art by local artists.

5. Taking A Picture At The Liberty Bell

The Liberty Bell has been one of the most recognizable landmarks in the country, and the bell has a lot of historical importance. In fact, it’s so important, that some of the city’s professional athletic teams have incorporated the bell into their logo.

Photo: www.sonnyscheesesteaks.com 

6. Eat Out At The City’s Famous Cheesesteak Restaurants

The Philly Cheesesteak is one of the most recognizable foods in the United States. Visiting the city of Philadelphia would not be complete without eating an authentic cheesesteak. This meal makes for great food on the go, and the sandwich is worth the money because of the generous amount of fillings put on by the restaurants.

7. Tour Independence Hall

 

The Independence Hall is known as the country’s birthplace. This is where the constitution was signed, and it is considered one of the most important historical sites in the United States.


 

Lee Flynn is from the Wasatch Mountains near Salt Lake City, UT. After Lee spent years preparing himself, his home and his family, he decided he had to do more. In his free time, Lee helps educate those who want to do the same. Through small local workshops and articles, Lee trains and teaches others on home preparation, food storage techniques, wilderness survival and self reliance. After obtaining a bachelors degree from the University of Utah, Lee moved to the Salt Lake Valley where he now lives with his wife and daughter.

 

 

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Our climate is changing increasingly rapidly, and homeowners and business owners must anticipate the effects this will have on their bottom line. This anticipation is especially important for those living and operating businesses in coastal areas, as these are the regions of the country most likely to be affected by climate change in the upcoming decades.

Decreasing ValuesPhoto: bigthink.com

As sea levels rise and extreme weather phenomena become more common, real estate in flood-prone areas is likely to decrease in value. In some areas this decrease is already evident, as discussed in this article from Forbes. Increased risk of flooding leads buyers to be wary of purchasing homes near the coast, leading to a clear demand issue. Flooding can increase insurance premiums, cause costly damages, and may require extensive renovations to avoid flooding in the future.

 

These issues may dissuade buyers from purchasing, even if the cost is competitive. As sea levels continue to rise, flood areas will grow and include more and more properties, which will increase the demand for real estate inland. This will, in turn, increase the cost of such properties, and may shift business models from brick and mortar business models towards B2B ecommerce models.

Extreme Weather

Extreme weather is another risk for real estate on the east coast. Hurricanes already batter this area each year, but climate change has increased the frequency and intensity of these super storms. Hurricanes can cause extensive damage to siding, roofing, windows and doors, and other components of a building that are expensive to replace. Northeastern states may not experience hurricanes as frequently, but winter storms have their own set of risks for property owners, including roof damage from heavy snow loads, access issues, electrical outages, and more. Buyers looking to avoid these types of property damage are likely to turn their eye to states with milder climates and fewer coasts.

Insurance

Flood insurance is a lesser-known factor in the climate change debate. Insurance companies must base their premiums on actual risk, and as floodplains grow in the East premiums rise. This type of insurance is not usually included in homeowners or business policies, making it an expensive add-on that may increase in cost as sea levels rise and the risk of flooding increases each year. An unprepared buyer may forgo flood insurance altogether, requiring expensive repairs to be paid out of pocket.

Mold

Another factor to consider would be mold. Coastal areas are generally humid and provide an excellent environment for mold to grow, and flooded homes are particularly prone. Real estate purchased in areas that may have been arid prior to sea level rises may have hidden costs living in the walls. Mold remediation is necessary to avoid illness, breathing issues, and other health problems but is expensive and time-consuming. Buyers may factor this in when looking at properties that are in an area with high humidity, especially if the area was historically drier. These properties may not have been built with mold in mind and may be built with materials that are not resistant to mold growth.

Exceptions

It is worth noting that some real estate may have been built in a way that is cognizant of impending climate change. These properties may have materials, designs, or landscaping features that seek to solve or mitigate risks associated with the results of climate change, such as homes build on piers in flood zones or fire retardant materials in areas prone to intense wildfires. Property values for these types of homes may not follow decreasing trends as they represent a safer investment for buyers in these areas. Builders may find opportunities in vacant properties for this reason.


Overall, climate change is already beginning to affect Eastern real estate values. Buyers should be aware of issues unique to their environmental challenges, and keep an eye on the hidden costs of purchasing a home or operating a business in areas where climate change is likely to hit hardest.

 

Dawn Castell is a budding entrepreneur. After graduating with her MBA, she spent a few years working in the CPG industry and a few more working in the business tech industry before she set off to start her own business. She has been consulting with businesses, large and small, on the side ever since.

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Photo: bigthink.com

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