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December 30 2011

08:50

Back in biz…

I will confess – I am a videoholic. There’s no twelve step program for this ailment, so I have to feed it every day. And I’ve finally decided to both get serious and legal. Today I got my business license. And that, my friends, is a journey unto itself.

First stop was the county Registrar’s Office to file for a fictitious business name. Of course I could have used my own moniker at no cost, but hey – I’ve kind of grown to love the “thinknews” label. Twenty-six bucks. Step one of THAT process.

Then off to the Community Development department for the actual license. Had the paperwork all filled out and slapped it down on the counter and pulled out the checkbook. And casually mentioned I might in the future be hiring subcontractors for jobs if I got lucky. BIG mistake. Counter Lady very pointedly said, “Oh you can’t HAVE employees at a home business site.” “But they’re SUBCONTRACTORS” I pointed out to her. Well, you can see where this is heading. She stuck to her guns, so I asked – what’s the difference between a home business and real business license?

Home business. First off – conducted out of your HOME. Both you and the home owner (fortunately one and the same in my case) must sign off on the license. NO clients or employees allowed on site. Well – no employees AT ALL. Unless they are members of the family.

Business license. May have employees and MUST be located in a commercially zoned property. Loads more paperwork. All this for an additional seventy buckeroos. I have to PAY for an office that neither employees or clients will ever see? Hmmmmm…

I hesitated a moment and told her to continue with the home license. Honestly – it will be just me, my gear, and a lot of email and phone connections to clients I may never see. And the little matter of “employees”? Let’s just say that I spoke with a local video production business owner (retired) who said Counter Lady had it all wrong – subcontractors are NOT employees legally. Thank you. Doled out a check for $430 with a promise I’d have the paperwork in a few weeks and be legal.

Step two of Fictitious Name: visit my local newspaper office and pay over $85 to have the notice formally published.

Newspaper friends … understand that I love you dearly, but this is an archaic system. Wouldn’t a notice on a county website more than meet the need and probably for less than half the cost? So WHO reads these notices? (Guess I’m gonna be doing it for the next four weeks.)

Final step…which I’ve been working on all week…is insurance.

Liability to cover my a** should someone decide to get injured (physically or psychically) on whatever job I’m on…or should I inflict damage on persons or property. (Note to self: buy more gaffers tape and possibly a couple of rubber throw mats to go over cable runs.) Protection basically for stuff I have a bit of control over.
Gear – some solace in the event my gear gets heisted.
Errors and ommissions – protection from what is NOT in my control. A failed SDHC card. Acts of God or stuff I can’t foresee that might totally tick off the client, who either wants a reshoot or a piece of my hide.

Checked out a couple of agencies and am going with one recommended by a number of folks over on b-roll.net. Brad at Buell Insurance was helpful and direct. Waiting for the request to pay…and I’m covered as of 1/1/12. Cost? Well, you’re gonna hafta get your own quote. It all depends on YOUR gear, location, estimated income, travel expectations…let’s just say that it was a bit more than the biz license and let it go at that.

My little end-of-year adventure is (nearly) over. The loose ends?

1. Pay insurance
2. Wait for arrival of (approved) home business license
3. Fictitious business name/the final step. Once the legal publishing requirement is met, the paper will send me some official paperwork which I must then forward to the Recorder’s office along with a(nother) check for $7.00. THEN I’m finally and totally legal.

Is it worth all of this trouble? In my case, yes. While this is a part time retirement gig, I do want to bid on local and state contracts and other opportunities I can’t even consider without flying above the legal radar. Besides, when folks ask what I do, now I can say I’m businesswoman!


February 24 2010

19:49

What Ensquared Would Tell Google About On Nexus One Insurance

Apple and AT & T with a path green before two years to make innovation on the iPhone and no link is worrying time, without making the issue of insurance iPhone. If your camera buyers of the iPhone was lost for some reason he was carrying a case of “bad luck” and simply a threat to consumers by the Heads of State and Government. With the technology of the iPhone so far when it seems it was a risk that the iPhone user was ready to run. Now, with similar devices, the phone does not grow with insurance options may negatively to a competitive economy, a critical link We must fight on the capital. In the present situation the only supplier / distributor of insurance for the iPhone available from Apple Care extended warranty, which is significant given the small and there is a gap in the accident damage, loss and theft cost. This has been partially filled by companies such as SquareTrade Safeware, and others on the Internet, but not totally a political and not at the point of sale. The loss or break an iphone in an accident can be very expensive.

The facts of the telephone company in the insurance you: Smartphone at the iPhone and Nexus A level of compensation for loss, theft or damage is about $ 500. This brings them in relative terms, the arena of the laptop and can be a costly experience can be when it will be a serious accident as a supplier does not subsidize phones in the same second contract. In addition, smartphone technology more complex, sensitive and cost of repairs is still so high that compensation is often independent of the insurer best solution.

The Nexus One is a new entry in the mobile arena, and he does not claim that it is positioned directly on the iPhone. He, however, make a long climb up two important reasons:

iPhone cut the innovator reference touch screens on mobile devices, building a new paradigm in the order of inclusion, which is growing exponentially and is a great attraction for worship iPhone

The fact that Nexus is, in fact, a Google phone, and no doubt Google is an innovator in the Central and time changer note is the channel, even from mobile devices and removes some of the direction of iPhone on the channel.

Nexus When we asked advice There is no doubt that this is an enormous gap in size in the fabric of the iPhone phone insurance. On this platform, the attack must be made.

How an insurance website phone experts would Ensquared: Nexus One is well advised to fix responsibility for the underwriters a strong connection to a phone-insurance program for your device: A, take the extended warranty , damage beyond the attack and also Nexus Nexus A lost and stolen by a well. The fact that the device is sold unlocked and not affiliated with any service provider requires thinking outside the box. In the same way that manufacturers of equipment in a tie with telephone service providers could Nexus another insurance company to approve an interview (perhaps even a small subsidy) for the insurance options on the interface between a type. Made a significant and important benefit would be contrary to competition that this aspect has been totally ignored. This is a track open right now. Ensquared number 1 of the Insurance Authority on the phone has a very good view of the participating mobile phone insurance market, which would be called into question, including its own strategic alliances. Insurance phone is often a weak central hidden in each unit to buy but could not be propelled to the forefront of reasons to buy a unit for another – especially in the highly expensive smartphone. The mobile strategy, however,

For more information on Nexus One Phone Insurance, Nexus Insurance, Insurance Google Android, Android insurance can be found at www. ensquared. com

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