Heraclitus, a Greek philosopher, once said “The only constant in life is change.”
If there is any universal truth in existence, it is that life, despite our best efforts in planning, will rarely go according to plan. Sometimes, no matter what preventative or proactive measures we take, it is always impossible to eliminate risk.
Whether you are an individual or a business owner, risk is incurred in every facet of life. For instance, you must first sign a lease, if not purchase a car, in order to be the owner of a vehicle. Car accidents are always a looming possibility on the roads, which is why car owners or lessees purchase car insurance. In business, no matter what industry you are in, every entrepreneur or corporation takes on a certain degree of risk in starting a new business. There is additional risk that carries through the lifetime of the business itself. This is why enterprises have business insurance.
The best way to mitigate risk is to be prepared for the tragedies of life.
David Weber has owned and operated a small distribution chain in California for the past ten years. “I have anywhere between five to ten trucks going out at any time throughout the day. Our drivers are on the road 24 hours a day, 7 days a week, through alternating shifts, in order to ensure that our shipments are delivered on schedule,” he says. For nine of those years, his business ran smoothly, without any hiccups or accidents. However, on one evening, three months ago, one of his trucks had been hit by a drunk driver at around midnight on the highway. “It was a complete shock. Highway accidents might be common in the trucking industry, but it just had never happened to us. And you tend to hear these things on the news and think, ‘Oh, but it won’t happen to me or my company.'”
Luckily, Weber had business insurance. His company was able to recover the cost of the damages to the truck, and his driver received compensation for the physical injury and trauma.
Everyone should be insured in the event of any unforeseen personal or business incident. We wanted to highlight Byron Galindo, a State Farm Santa Monica Agent that offers home, renter, auto, and business insurance. Team Galindo has a focus on commercial trucking workers’ compensation insurance, landlord insurance, and earthquake insurance.
If you are contemplating whether or not you need insurance, consider the cost of doing business or living life without preparation for all of its uncertainties. The harsh reality is that—yes, anything could happen to any of us. No one is universally safe from the laws of nature. We are all human, and life is fragile. We should never take life for granted or assume only the best case scenarios.
If you are looking for an insurance agent to discuss the best form of coverage for you, you can give Byron Galindo’s office a call.
Byron Galindo – State Farm Insurance Agent 214 Pier Ave, Santa Monica, CA 90405, United States
Matt Christensen woke up after a long night in his home office. He stumbled into the kitchen for his morning coffee ritual. 30 grams of Estonian medium roast, hand-ground. Unbleached, biodegradable coffee filters steamed for one minute. Sixteen ounces of boiled water, no cooler than 195 F and no hotter than 205 F. Frothed almond milk and a touch of cinnamon.
“Oreo” was Matt’s canine best friend. He was a well-natured dog who had been with him through many life changes: moving twice across the country, career changes, and a divorce. Oreo loved Matt unconditionally. He would greet him at door with a wagging tail and smile every time Matt came home. Whenever Matt seemed to feel anxious, Oreo would jump up onto his lap and cuddle with him.
Matt had the tendency to take his curiosities to extremes. He was a former marine biologist turned cartographer, with a fascination for all of nature’s creations. He had been up all night in studying the cellular biology of grass. The day before, he noticed that Oreo was walking in a strange way on the lawn. He seemed to be in uncomfortable and wouldn’t place each paw down as he walked. Matt was puzzled. Per his curious and quirky self, he got down on all fours to mimic his four-legged friend.
“Ouch!” he said. The grass was prickly! “How can this be?” he thought. He had spent all summer caring for the lawn to try to grow it into a luscious playground for Oreo.
The next morning, Matt sat down at his desk with his freshly brewed cup of coffee. Through his research, Matt realized that the city he had just moved to was notorious for prickly, yellow grass, rather than the soft, green grass he had been trying to grow for his lawn. The issue seemed to be the moisture levels and the type of clay of the soil underneath. He needed to figure out how to replace the grass in his backyard without a ground excavation. After researching his options for brand new turf, he stumbled upon artificial grass. It seemed like the best choice: easy installation, low maintenance, and aesthetically pleasing.
Now he had to find the best artificial lawn installation company in Orange County. After reading reviews on Yelp, he found NoMow Turf Grass, a service specializing in synthetic grass and pet turf. It turns out that many pet-owners opt for artificial lawns because their animals have been destroying the natural grass. Moreover, it turns out that pets can go to the bathroom on the turf, as long as it is maintained with deodorizer and regular washing.
NoMow Turf has a specialty pet turf line that looks and feels so real that most animals are unable to tell the difference. It is made for pets of all sizes and is guaranteed to withstand the roughest of wear and tear.
If you are interested in a better land for man’s best friend, give NoMow Turf, Inc. a call!
NoMow Turf, Inc. – Synthetic Lawns & Putting Greens 26674 Vista Terrace, Lake Forest, CA 92630, United States
No one imagines that their marriage will end in divorce, and when it does happen, most pray and hope that their divorce will be seamless. Why not just split assets evenly and amicably? After all, isn’t heartbreak painful enough to endure? Why add more difficulty to the situation?
But why does it seem impossible to meet in the middle? Unfortunately, the process of separation often becomes more combative than procedural. Lovers turn into enemies; a relationship that began as the art of seduction ends as the art of war. As the old adage goes, “Love and hate are one in the same coin.”
We’ve all heard of funny or horrific stories of parties acting out of spite or pettiness during divorce litigation. As we listen, we wonder how grown adults come to behave so childishly, in an effort to make someone they once loved now feel bad.
What if you find yourself in a divorce where you cannot agree on anything with your soon-to-be-former spouse? You might be embarrassed to admit to family and friends that matters have become tedious.
In the United States, the average divorce costs $15,000 in legal fees, and couples tend to separate more during the holiday and new year season. For those looking for a fresh start in life without the hefty price tag, more and more couples are looking for more cost-efficient ways to cut the cord. Our investigative reporter Jacques Godiva spoke with legal expert Alice Donovan to learn about an alternative to litigation. “In my opinion and experience, litigation requires more time, energy, and money than what most people anticipate. Couples rarely come away from the process feeling like each got what they deserved on fair terms.” Donovan recommends that couples consider mediation. “Mediation is the facilitation of negotiation and resolution by a neutral third party. The meditator helps the couple navigate toward an informed settlement that is privately agreed upon by the family members, rather than publicly in front of a judge.”
We reviewed several divorce mediation firms based in Orange County and were so pleased to find McNamee Mediations that we decided to highlight them here. Mediation specialist Colleen McNamee has a stellar track record and one of the best Yelp reviewed profiles we have ever come across. One of the many five-star reviewers explains how mediating through Colleen had been the best decision she made throughout her divorce:
“I learned that I could a) hire a lawyer, (and he hire a lawyer) and we go through litigation in a very public court room setting with the risk of a bitter fight and be completely drained financially with money we really don’t have, or b) find a good mediator and dissolve the marriage amicably, peacefully and as budget friendly as possible. I looked everywhere – and found a couple mediators, but none that were as responsive, capable, knowledgeable, calm and professional as Colleen. I cannot speak highly enough about her. She is on top of every single detail.”
If you are considering a divorce through a family law attorney but want to first explore your other options, you can give McNamee Mediations a call.
McNamee Mediations 4590 MacArthur Blvd #500, Newport Beach, CA 92660, United States
Over the years, we’ve seen the landscape of Newport Beach evolve, thanks to custom home builders such as Sailhouse Custom Homes. They offer a wide range of services and are involved in every step of the process – from selecting the location to designing and constructing the home.
We looked at their Sailhouse’s Signature Home offering to understand how they provide the highest quality of design to their clients. Their online portfolio boasts an impressive range of projects. Distinctive style is highly evident in every project, reflecting the particular aesthetic of the homeowner.
The firm’s portfolio demonstrates its ability to fulfill different tastes, from modern to classic, french to Californian, and traditional to futuristic. Not only are the homes built to impress, they are built to function for the different needs of each homeowner’s life.
Melinda Thomson is a local resident who has lived in Newport Beach for the last 10 years. She heard about Sailhouse Custom Homes through Alex Atia, one of her fellow residents in her neighbourhood, who had a completed custom built home by Sailhouse. “Alex’s custom home became the jewel of the neighbourhood as soon as it was completed. I knew that one day, I too would be the proud owner of a custom home. I reached out to Alex to understand what they had done. I was so impressed to hear how involved the firm was in the design and construction of the home. My main concern was choosing a homebuilder who would be able to execute my vision.”
Melinda describes her style as modern french country. She says that her home’s primary function is to be a space of creativity for her busy family of 3 gifted children. “I wanted a spacious foyer that went straight into the living room so that my children would feel welcome and excited to come home from school every day. My daughter paints and my two sons make pottery. I wanted to have a large living room to basically serve as a creative studio for them.”
Her requirements required some careful planning to choose the appropriate location. Luckily, Sailhouse was diligently involved in choosing the best site for construction. “I also wanted the living room, which would end up being the creative studio, to have large windows facing the sun to let in as much natural light as possible. Sailhouse chose the perfect site and created the perfect design to make my dream into a reality.”
Today, the custom home builder is expanding across Newport Beach, transforming lives, one house at a time. We are impressed by their dedication and expertise, and we can’t wait to see their future projects. If you are interested in turning your custom home dreams into reality, you can give them a call.
Sailhouse Custom Homes 170 Newport Center Dr Suite 220, Newport Beach, CA 92660, United States