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Think about the gap between your actual liability coverage on your home and car versus what your property and assets are actually worth. If your assets are worth more than your policy limits, that’s where umbrella insurance comes in handy to fill the coverage gap.

When you plug numbers into an umbrella insurance calculator, you’re not just looking at your current policy limits. You’re figuring out how much extra coverage you might need beyond what your regular home and auto policies already cover.

Plenty of these liability calculators exist online. They’re pretty straightforward and only take a few minutes to complete. Once you enter your information, the calculator spits out a coverage amount recommendation.

When you get a quote through an umbrella insurance calculator, it’ll show you the minimum coverage your state requires. These minimums change depending on where you live, so your coverage needs will be different if you’re in California versus Ohio.

To get accurate results from an umbrella insurance calculator, you’ll want to understand your state’s liability and property laws first. The National Insurance Crime Bureau (NICB) offers free liability insurance quotes. Your state insurance department also has information about local laws and regulations around liability and property limits.

Sure, running the numbers through a calculator seems easy enough, but you need to know some specifics about your current situation first. What do your home and car insurance cost right now? What are your assets actually worth? You’ll need details like average repair costs for your home and your car’s current value.

Here’s something that trips people up: your home and auto policies don’t cover liability for the full value of what you own. You can only collect repair costs if you’re found liable for an accident or damage to someone else’s property.

Regular liability and property coverage has some gaps too. For instance, it won’t cover damage a renter might cause to your car while they’re living in it. The calculator looks at the difference between your car’s current value and what it would cost to replace it to figure out your liability and replacement coverage needs. If you’re shopping for car insurance, running these numbers first makes sense before you buy a policy.

After you know how much liability coverage you need for your car, you can decide what protection you want for everything else under your liability policy. Liability coverage tends to be the cheapest option, so it makes sense to start there.

Homeowners insurance covers your house against fire damage or water leaks. This type of coverage usually doesn’t cost much.

An umbrella insurance calculator helps you figure out your property limits too. This covers liability for injuries that happen on your property or in your home, plus theft of your belongings like furniture, jewelry, photos, or antiques.

While liability and property protection insurance gives you less financial coverage than homeowners insurance, it costs more to buy and keep up. You might want to prioritize this type of coverage when you’re shopping for home or car insurance.

Thinking about
a self publishing company like Reedsy or Lulu for releasing your next
book? More and more established and first-time authors are
going the self publishing route, and honestly, there are plenty of good
reasons why self publishing might work better for you than a
contract with a traditional publishing house.

Here
are some things you should know about self publishing companies
in 2019 if you’re one of thousands of authors considering it.

Self
Publishing is the Author’s Advantage

Self
publishing companies put the power in your hands.
Companies like Reedsy and Lulu let you publish when you
think it’s ready, and they put statistics right at your fingertips.
Getting from book sales to money in your account takes days instead of months.

Publishing
a book through a self-publishing company can give you a real advantage
when it comes to sales, promotion and when your book hits the market.
This is serious power if you happen to be good at promotion
(and if you’re not, you better learn that skill now).

Self
Publishing Companies Allow for Mainstream Publication

Twenty
or thirty years ago, self publication meant an author had to
approach a printing company and often front the money
for printing first. This left you with several boxes of copies that
you had to sell yourself while trying to approach and
contact bookstores and other retailers.

Today,
self publishing is much easier thanks to companies like Reedsy.
Authors can write, format, proofread and upload their manuscripts
directly to the platform, request an ISBN number and sell or promote
your manuscript to platforms like Amazon.

On
markets like Amazon, it definitely saves you thousands of trips to
stores you would have needed twenty years ago (and it’s way
easier too).

Self
Published Books Are Strong Competitors

For
years, there was this unspoken “war” between published and self
published authors. Today, that’s mostly faded away, and
self published books have been around long enough to prove that
they can compete hard with traditional publishing houses.

Fans
of an author’s work will keep reading their work no matter who
publishes it. (Would you stop reading Stephen King if he suddenly
owned his own publishing house or picked Reedsy? If you’re already a
fan, most people wouldn’t.)

Self
published works can compete just as hard on the charts as
everything else. Don’t believe it? Angela’s Ashes, the
biography-turned-movie, was self published first.

Self
Publishing Companies Work for New and Established Authors

Self
publishing companies can work for you whether you’re an author
publishing your first or second manuscript, or if you’re
already an established author.

While
some traditional publishing houses will treat these groups differently,
self publishing companies won’t. That’s one of the biggest perks
that self publishing companies offer over going with a
traditional publishing house, and even many established authors are
making the switch.

Self
Publishing Companies Don’t Need an Agent

A
lot of bigger publishing companies won’t even look at unagented
submissions. This cuts first-time (and many already
established) writers out of getting their manuscripts published.

If
you don’t have an agent, self publishing is the perfect way to get
your work out there. And you, as the author, have much more control
over how the final product looks and gets promoted.

Self
Publishing Companies Are Taking Over the Market

Works published through self publishing companies are grabbing a bigger and bigger chunk of the overall market share, giving traditional publishing houses real competition.

Maybe you already have a stand mixer and you’re wondering whether you should get a hand mixer too. These mixers often come with various attachments that do way more than just mix ingredients. You might want a stand mixer that handles bread dough really well, or maybe you want something that looks as good as it works. If you’re looking for the best stand mixer under $100, the Hamilton Beach 63325 is a solid choice.

Let’s be honest – it’s tough to find a mixer that stays put during high speeds. But when you have the right hand mixer, you can definitely create meals that taste professional quality.

When buying a mixer, always think about bowl size. Sometimes you need a hand mixer, and I tested seven different models to find the best one. A good hand mixer makes things easier, but if you really want to free up time (and your hands), you might want to consider a stand mixer instead.

Most stand mixers come with a three-year warranty. Hand mixers aren’t stationary, so they require more manual work. They’re incredibly useful kitchen appliances though. A hand mixer can make cooking and baking much easier. You won’t find hand mixers with the same warranty coverage. But here’s the thing – you can use a hand mixer with almost any bowl or pan. You can find a great hand mixer for under $100 that has all the features you need to make practically anything.

These days all mixers have nice designs, but if you’re serious about baking, what matters most is functionality and durability. If you want your stand mixer to look stylish and work efficiently, the KitchenAid Artisan Series might be the stand mixer you’ve been dreaming about. When it comes to buying a durable stand mixer, there are several things you’ll want to consider.

Best Stand Mixer – What Is It?

Some people avoid hand mixers because they think they won’t get the same tools a stationary mixer provides, but that’s not true. Electric hand mixers cost way less than powerful 9-speed models, but they also have limited capabilities.

You might need a mixer with dual heads if you’re baking for a large family. KitchenAid mixers have been around for almost 100 years and they dominate the market now. KitchenAid stand mixers aren’t just excellent – they’re absolutely beautiful too.

If you looked at a lineup of stand mixers from across the room, there are only a few you could identify by name. If you plan to use your stand mixer regularly, you should buy one with higher motor power. There’s a lot to consider when buying a stand mixer. When picking the right stand mixer, you should check what speed options it offers.