By Kyla Goure (Kyla Goure Farmers Insurance)

There are many factors that can affect your automobile insurance rates. Some of them can be controlled easily with a little planning. Here, Farmers Insurance agent Kyla Goure lays out a few tips that you should keep in mind to minimize your premiums. 

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By Joanna Johnson (E2 Business Gifts)

The end of year often seems like the best time to thank your clients for their business and your employees for their hard work. Savvy professionals however, know that gift giving isn’t limited to the 4th quarter holiday season. Sending small presents throughout the year is an excellent way to solidify relationships with clients as well as business prospects. For freelancers, off-season gift giving can be an especially valuable tactic, as it’s an opportunity to stand apart from the crowd, announce your skills, recent accomplishments and generate recognition from potential clients and employers. 

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