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  • 02/04/2011 12:54 PM | ShaChena Gibbs (Administrator)

    How to Save a Wet Cell Phone

    by Reader's Digest Magazine,

    If you’ve ever dropped your cell phone in a puddle, run it through the washing machine, or have it slip out of your hands and into the toilet, you know the meaning of the word “panic.” Screw things up and you may lose those photos of your newborn you forgot to download and your entire list of contacts. Plus you’re out the price of the phone (insurance doesn’t cover water damage).  The key is to act fast. Here are the most popular methods of saving your cell once it’s hit the drink.

    1. It’s a truth universally acknowledged that your first step should be to remove the battery. Immediately. “I know it’s tempting, but resist the urge to power up your phone to see if it works–just turning it on can short out the circuits,” writes Joel Johnson of PopularMechanics.com. Take out the SIM card, too, which may retain data like contacts even if the phone itself is fried.

    2. Your goal is then to try to speed up the drying process without damaging the phone furtherundefinedif the phone stays wet for too long it will start to corrode. Skip the hairdryer, as it’s too hot for this purpose. A better choice is a can of compressed air, an air compressor set to a low psi or a wet/dry Shop Vac.

    3. The next stepundefinedor the first, if you don’t have a compressed air sourceundefinedis to wick any remaining moisture by submerging the phone in a bowl or bag of uncooked white rice and/or silicants if you have them handy. (That’s granular stuff that comes in those tiny packets at the bottom of aspirin bottles, beef jerky, the pockets of new clothingundefinedraid your home to find as much as you can). Here are the details on how to do it according to eHow.com.

    4. OK, you’ve ransacked the house for rice and a can of compressed air to no avail. Don’t despair. You may be able freeze the phone to fix it, as you’ll discover at Instructables.com. Again, make sure the battery is removed before placing the phone on two to three layers of paper towel (to prevent frost damage). Then put it in the freezer for about 15-20 minutes. Replace the battery and power up to see if the phone works. If not, remove the battery, stick it back in the freezer for another 5 to 10 minutes and check again. Chances are you’ll have a working phone after a couple of tries.

    5. Finally, there are bags known as Bheesties ™ that are specifically designed to dry out wet cell phones and other small personal electronics devices, available at Bheestie.com for $20 each plus shipping and handling. The problem is that time is of the essence, so if you have an expensive phone and know you’re a butterfingers, order one ahead of time and have on hand in case of emergency.

  • 02/04/2011 12:41 PM | ShaChena Gibbs (Administrator)

    Does Your Business Have Enough Insurance?

    Sufficient business insurance minimizes your risks as a small business owner in the event that you are sued. An adequate amount of insurance will also protect you during a natural disaster or in the event that someone slips, falls or gets injured on your property.

    Your state’s Department of Insurance sets minimum insurance levels that you are required to keep as a business owner. Limits, similar to state required auto liability insurance limits, are set in place to protect you and your customers. However, state required minimum insurance levels might not provide you enough coverage. 


    How Much Is Enough?

    Liabilities that you are made responsible for in court that exceed your insurance coverage levels would have to be paid for out of pocket. A large settlement could sap your business of its profits, but the right types and amounts of business insurance could help to prevent you from experiencing this hard and painful lesson.

    Depending on the type of business you operate, you will need certain types of insurance coverage.  Typical business insurance coverage types include:


    Home Business – Insures your property, income and material records. Coverage goes beyond what is included in your homeowner’s insurance. 


    Professional – Public speakers, authors, educators and other entrepreneurs and business owners who distribute information to consumers that could possibly contain errors or omissions could benefit from having professional liability insurance. It protects you against claims of malpractice and negligence.


    Worker’s Compensation – This is required by state law. Businesses that hire employees should contact their state’s Department of Labor and Industry or Department of Insurance to obtain specific laws around worker’s compensation (e.g. when to file).


    Product Liability – Retailers and restaurant owners might consider getting this insurance.  Product liability insurance protects you in the event that someone is injured while using your products. The more hazardous a product, the more product liability insurance the business owner is encouraged to obtain.


    Business Interruption  - Covers the cost of income that is lost after a natural disaster, etc. Depending on the type of plan you get, business interruption insurance might also cover the costs of expenses that you must pay while you work to rebuild your company post a natural disaster.


    General Liability – Because general liability insurance covers a broad range of situations, it is one of the major types of insurance that business owners get. Bodily injury, property damage, slander, libel and medical expenses are covered under general liability insurance. Court costs are also covered under the insurance.


    Commercial Property – Should a fire, flood or other natural disaster damage your business property, commercial property insurance will cover the costs to have the property restored or replaced.  Computers, records, loss of income and business interruption costs are covered. Commercial property insurance will also cover you in the event that your property is vandalized or destroyed during civil unrest.


    Liability insurance offers business owners more than financial protection. Should you have to go to court and defend your business products, practices or services during a lawsuit, your insurance company will accompany you into court. Solvent insurance companies that employ claims adjusters and attorneys who have years of litigation experience will defend you vigorously; a win for you equals a win for them.


    Work with a reputable insurance agent to decide on the right amount and types of insurance that you need. As small business expert Rhonda Abrams, author of the Rhonda Report, states, “Ideally, you want an insurance agent who understands business insurance for companies of your size and industry. It's best if they're a "broker" who can offer you policies from a number of different companies rather than just representing one insurance company's products.”
  • 01/15/2011 1:00 PM | ShaChena Gibbs (Administrator)

    Family who lived on $100 a month spills the secret

    by The_Stir
    While the economy is, allegedly, improving, many people have found themselves downsizing. Sometimes it's a necessity. Their income has declined and they have to adjust to the new normal, but other times it's something they do because they want to simplify and scale back the consumerism.

    More from The Stir: How to save hundreds on groceries

    There are people following this all over the Internet to the point that it's something of a movement. Buy Nothing Day on the day after Thanksgiving, a San Francisco group who made a promise to buy nothing new for one whole year, and a New York City blogger who pledged to not eat out for one full year. Which, if you live in New York, would be like going on a fast in the middle of a posh buffet.

    The latest is a guy named David Hochman, who pledged, along with his wife and young son, to go a month without spending any more than $100.

    They excepted their mortgage, utilities, and their son's preschool tuition, but everything else, and I mean everything else, including gas and even Internet access, fell under that $100 spending limit.

    More from The Stir: 7 tips for saving money online

    They ended up discovering the wonders of Freecycle and the magic powers of baking soda, white vinegar, and hot water, and found that some of their more frugal habits stayed with them. Instead of rushing right out to a restaurant or loading up on groceries, they actually stayed home and entertained themselves with time they would typically spend shopping or on the computer.

    Cutting back, whether on purpose or because circumstances demand it, does make you think a lot about what you spend and why. You may find that much of what you are currently spending your money on doesn't actually make your life more fun.

    Would you go on a spending fast?

  • 01/11/2011 12:43 PM | ShaChena Gibbs (Administrator)

    5 Important Do Not’s for Entrepreneurs 2011 Success. 

    By ShaChena Gibbs


    Do not start a business for the wrong reason.

    Most people start a business just because it sounds good or because the potential financial benefits look good. Start a business that you love. Something you are passionate about. Your business should be your baby, a talent or skill you already process.

    Do not form a business without your Tribe.

    Begin to let your friends and family know about your new business. Attend networking events and speak up. Give away your product for testimonies. You must build a following before you begin to profit.

    Do not skip out on your legal provider.

    Starting a business consist of a lot of paper work like forms and documents. The documents need to be reviewed by a lawyer. Even your products and services. Consumers can really be rude and sue you for various reasons. Having your legal team can help you to avoid these problems before they become reality.

    Do not do it all by yourself.

    At the beginning it can be a bit tough getting friends and family to understand what you are doing and have them believe in your passion. However, we suggest you find at least 2 friends to assist you, even if it’s just with making phone calls, running errands, checking emails, and/or packing and shipping. Entrepreneurs tend to get burnt out during the first 5 years of building on their dream.

    Do not forget about ‘CUSTOMER SERVICE’

    Your customers are the core of your business growth. Without them, you will not make no money. You might as well close your doors. Poor customer service can ruin you. Word of mouth marketing spreads faster than any email you can send out and it’s most effective. One poor comment about your company service can spread like cancer. Train your staff paid and /or volunteer to treat your customers like royalty. And remember to practice what you preach.

    Keep Rising,

    ShaChena Gibbs

    Small Business Educator

    ShaChena Gibbs

    WANT TO RE-POST THIS ARTICLE ON YOUR BLOG OR USE THIS ARTICLE IN YOUR EZINE, E-NEWSLETTER OR WEB SITE? You may, as long as you include this complete blurb with it:

    For over 10 years, Real Sisters Rising, LLC founder and CEO ShaChena Gibbs has owned or managed small businesses. Expert in her field, Ms. Gibbs personally and professionally guide her clients/members to reach higher heights to achieve major success in their business endeavors. ShaChena Gibbs is passionate about helping women globally become outstanding role models now for our youth later. Ms. Gibbs is definitely “Helping Women find the Diamond in their Destiny". She has been featured in the Daily News and many other publications. http://www.realsistersrising.com

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