Business

Insurance For The Self-Employed: A Necessity Or A Luxury

Published

2 years ago

January 9, 2023

As a self-employed individual, you may have a lot of questions about what types of insurance you need. After all, you don’t have the same protections that employees at a traditional company do. In this article, we’ll explore the various types of insurance that self-employed individuals should consider, as well as help you decide whether these types of insurance are necessities or luxuries.

Table of Contents

1. Health Insurance

For most people, health insurance is a necessity. Medical bills can be expensive, and without insurance, you could be on the hook for thousands of dollars if you get sick or injured. However, if you’re self-employed, you may not have access to employer-sponsored health insurance. This means that you’ll need to purchase your own coverage.

There are a few options available to self-employed individuals looking for health insurance. One option is to purchase an individual health insurance policy. These policies are designed specifically for people who don’t have access to employer-sponsored insurance. The downside to this option is that individual health insurance policies can be expensive, especially if you have pre-existing conditions.

Another option is purchasing a short-term health insurance policy from the insurance broker Bournemouth UK. These policies are designed to provide coverage for a short period of time, usually less than a year. They can be a good option if you’re between jobs or waiting for your employer-sponsored insurance to kick in. However, short-term health insurance policies typically don’t cover pre-existing conditions and may not provide as much coverage as a traditional health insurance policy.

Ultimately, the type of health insurance you choose will depend on your specific needs and budget. It’s important to carefully consider your options and choose a policy that provides the coverage you need at a price you can afford.

2. Disability Insurance

Disability insurance is designed to provide financial protection if you’re unable to work due to a disability. This type of insurance can be especially important for self-employed individuals, as you don’t have the same protections as employees at a traditional company. If you’re unable to work, you’ll need some way to pay your bills and support yourself and your family.

Types Of Disability Insurance

There are two main types of disability insurance: short-term and long-term. Short-term disability insurance provides coverage for a short period of time, usually a few months. It can be a good option if you’re unable to work due to a temporary disability, such as a broken leg. Long-term disability insurance provides coverage for a longer period of time, usually several years. It can be a good option if you’re unable to work due to a more serious or permanent disability.

Like health insurance, disability insurance can be expensive. However, it’s important to consider the potential financial impact of a disability and whether you have the resources to support yourself and your family if you’re unable to work.

3. Liability Insurance

Liability insurance is an important type of insurance for self-employed individuals, especially if you own a business or offer professional services. If you’re sued and don’t have liability insurance, you could be on the hook for significant legal fees and damages.

Liability insurance is designed to protect you from legal claims made against you. If someone sues you for damages or injuries, liability insurance can help cover the cost of legal fees and any settlements or judgments.

There are a few different types of liability insurance that self-employed individuals should consider. One type is general liability insurance, which provides coverage for a wide range of risks, including property damage, personal injury, and advertising injuries.

There are a few different factors to consider when choosing liability insurance. One is the amount of coverage you need. It’s important to choose a policy with enough coverage to protect you in the event of a lawsuit. Another factor is the type of industry you’re in. Some industries, such as construction or healthcare, may have higher liability risks and may require more coverage.

4. Property Insurance

Property insurance is designed to protect your personal and business property from damage or loss. This can include your home, office, equipment, and inventory. If your property is damaged or lost, property insurance can help cover the cost of repairs or replacements.

There are a few different types of property insurance to consider. One is home insurance, which covers your home and personal property. Another is business property insurance, which covers your business property, including office equipment and inventory. If you own a home-based business, you may be able to combine your home and business insurance into one policy.

Like other types of insurance, property insurance can be expensive. However, it’s important to consider the value of your property and whether you have the resources to replace it if it’s damaged or lost.

5. Life Insurance

Life insurance is designed to provide financial protection for your family in the event of your death. If you have a spouse or children, life insurance can help ensure that they’re taken care of financially if you’re no longer around to provide for them.

There are a few different types of life insurance to consider. Term life insurance provides coverage for a specific period of time, usually several years. It’s generally less expensive than other types of life insurance, but it only provides coverage for a limited time. Permanent life insurance, on the other hand, provides coverage for your entire life. It’s more expensive than term life insurance, but it can provide long-term financial protection for your family.

Like other types of insurance, the type of life insurance you choose will depend on your specific needs and budget. It’s important to carefully consider your options and choose a policy that provides the coverage you need at a price you can afford.

Conclusion

Insurance can be a necessity or a luxury for self-employed individuals, depending on their specific needs and circumstances. Health insurance, disability insurance, liability insurance, property insurance, and life insurance are all types of insurance that self-employed individuals should consider. It’s important to carefully consider your options and choose policies that provide the coverage you need at a price you can afford.

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What’s Involved in Professional Relocation Services?

Published

1 week ago

June 29, 2025

Linker Hub

Whether you’re relocating your home or business, professional movers can assist you throughout the entire process. A trucking company can assess the type of load you have, whether it’s fragile or more durable, to determine the appropriate vehicle and packing style to use. Here are some things involved in professional relocation services:

Table of Contents

Planning the Move

Before your move, a relocation consultant meets with you to discuss different aspects to customize their services. This specialist may ask you about your destination, family size, and relocation date to guide you on what to expect. For a smooth relocation process, a trucking company can help you identify delicate, high-value, or specialty items that require careful transportation. During your meeting, a professional informs you about the full or partial services they offer, allowing you to choose the services that best suit your needs. These may include tasks such as packing or moving items from your home into the truck. If you need packing supplies, such as boxes, tape, and tie rope, you can request them during your consultation.

Packing and Unpacking

Reputable moving companies can help you pack your items in different rooms, labeling them to avoid confusion. To prevent damage, these movers use sturdy boxes, bubble wrap, and packing paper to organize your delicate and common belongings. If you would like to pack some items and leave others for the crew, you can request partial packing services. When you arrive at the location, the crew removes everything from the boxes and arranges it in the designated rooms. These professionals may also assemble large items, such as beds, tables, or bookshelves, to simplify your work and help you settle in more quickly.

Loading and Transporting Goods

Once moving experts have packed all your belongings, they load them onto a truck carefully so they are organized and safe. The team places heavy items first to create a stable base and maintain the truck’s balance during transport. Many professional relocation services offer tracking options, allowing you to monitor any potential delays and track the location of your items. When transporting your possessions, a qualified company gives you updates through phone calls, text messages, or email on an approximate delivery time.

Offering Storage

If your new home isn’t ready or you need a temporary place to keep your belongings, many relocation companies offer storage solutions. Whether you need to store your items for a short or long period, you can discuss your needs with these specialists. For sensitive items like electronics, antiques, or artwork, climate-controlled units are a suitable option to protect them from weather changes. A team can also pack some items in sealed containers and place them in secure storage units. Once you are ready, you can move your belongings in phases until you empty the self-storage unit.

Work With Reliable Movers

Whether you’re moving to a short or long distance, hire a reliable trucking company to help you relocate without inconveniences. These professionals load vehicles within the recommended weight limits to be in compliance with regulations and minimize damage. To learn more about the relocation services we offer, call a qualified mover today.

Business

Why Onchain Wallets Matter More Than Ever in Web3

Published

1 week ago

June 27, 2025

Engrnewswire

As cryptocurrency adoption expands and Web3 ecosystems become more dynamic, one question keeps surfacing among users: Where should I store my crypto? And more importantly, who really owns it once I do?

For many, the journey starts on a centralized exchange. But increasingly, users are shifting away from platforms that hold custody of their funds—and moving toward Onchain wallets, also known as self-custodial wallets.

This shift isn’t just a trend. It’s a deeper movement toward ownership, security, and independence in the decentralized world.

Table of Contents

What Is an Onchain Wallet?

Onchain wallet is a digital application that enables people to manage, record, and interact with cryptocurrencies without using an intermediary. An Onchain wallet, unlike a centralised exchange wallet, places everything under the control of the user.

With an Onchain wallet, you own the keys; in other words, you remain in possession of your assets. Your wallet gets you specifically linked straight into the blockchain: rather than seeing your balance, your interaction with any decentralized applications (dApps) or staking tokens, or making an NFT, it is the wallet verification that concludes transactions.

Why users are embracing Onchain wallets:

Complete asset ownership — no one can freeze or access your funds without your approval.
Web3-ready — seamless access to DeFi, NFT platforms, DAOs, and more.
Privacy by design — no identity verification or KYC required in most cases.

An Onchain wallet is more than a storage solution. It’s a gateway to everything Web3 offers.

Onchain Wallet vs Centralized Exchange: What’s the Real Difference?

Centralized exchanges play an important role in onboarding users. They offer a familiar experience, simplified fiat on-ramps, and fast transactions. But there’s one major caveat: you don’t control your crypto unless you move it to a wallet where you hold the keys.

In other words, the exchange holds your assets and can freeze, limit, or restrict access at any time.

By contrast, an Onchain wallet ensures self-custody. You sign every transaction, control all movements, and remain in full ownership of your funds. Here’s how the two compare:

Feature	Onchain Wallet	Centralized Exchange
Ownership	You hold the private keys	The platform holds the funds
Security	User-controlled if keys are safe	Centralized and often targeted
Web3 Access	Full dApp, DeFi, NFT interaction	Limited to platform functions
Withdrawals	Instant and unrestricted	May involve delays or limits
KYC Requirements	Usually not required	Mandatory for most features

If your goal is to trade quickly with fiat, exchanges are useful. But if you’re interested in long-term holding, security, or participating in Web3, an on-chain wallet is the right tool.

Why Self-Custody Is Becoming the Standard

The past few years have seen some of the largest centralized failures in crypto history—platform collapses, frozen withdrawals, and security breaches that left users locked out of their funds overnight.

Those events sent a clear message: trusting a platform isn’t the same as owning your crypto.

Onchain wallets give users back control. When you manage your keys, you’re no longer dependent on third parties. You can:

Participate in governance, staking, and airdrops
Explore DeFi protocols and NFT platforms freely
Protect your assets from custodial failures or regulatory restrictions

And contrary to what many assume, using an Onchain wallet is not overly technical. Today’s leading wallets are designed for accessibility and ease of use—no blockchain expertise required.

Bitget Wallet: A Seamless Onchain Wallet Built for Everyone

Bitget Wallet is one of the latest wallet solutions that stand out today in many ways, especially as an on-chain, easy-to-use, secure, and Web3-ready wallet used by more than 80 million users globally.

You are minting NFTs, dealing with smart contracts, or just want a less risky place to keep your assets. Bitget Wallet has what you require, without compromising the user experience.

Key features of Bitget Wallet:

130+ supported blockchains
1 M+ tokens supported across networks
PayFi integration — spend crypto via Visa or Mastercard
Built-in dApp browser for easy access to DeFi platforms
Staking, cross-chain swaps, and real-time portfolio tracking

It’s everything an Onchain wallet should be—secure, versatile, and simple to use.

How to Decide if an Onchain Wallet Is Right for You

When it comes to your crypto objectives, the wallet setup selection is determined by your requirements. A centralized exchange can still be a factor in case you intend to execute a high number of fiat trades. However, in case you want to experiment with Web3 or store assets long-term, you can not do it without an Onchain wallet.

Consider the following:

Do you want full control over your assets? → Use an Onchain wallet.
Are you active in NFTs, DeFi, or DAOs? → Onchain access is non-negotiable.
Need fiat onramps or offramps? → Use an exchange as needed, but keep assets in your wallet.
Ready to manage a recovery phrase? → Bitget Wallet provides simple onboarding to help you start safely.

Many users adopt a hybrid strategy: holding most of their crypto in an Onchain wallet like Bitget wallet for security and flexibility, while using exchanges only for quick trades or fiat transactions.

Final Thought:

Owning crypto should mean owning the freedom that comes with it. That freedom is only real when your assets are in your hands, not held by a third party.

Onchain wallets like Bitget Wallet give users that control. Whether you’re just starting out or already deep into Web3, making the move to self-custody is a step toward true financial independence.

Take Control of Your Crypto

Ready to explore the full potential of Web3?
Download Bitget Wallet and join millions of users managing their crypto securely across 130+ blockchains.

With Onchain access, full ownership, and powerful tools built into one smooth experience, Bitget Wallet helps you take charge on your terms.

Business

Step Into the Metaverse as Your True Self with DNA Avatars

Published

3 weeks ago

June 18, 2025

Shiekh Fazzi

What if your digital self could be you?

Have you ever wondered what it would feel like to step into a digital world where your online identity truly reflects who you are?

Not just a cartoon version or a generic avatar, but a virtual twin created using your DNA.

Sounds futuristic?

That future is already here, and it’s more exciting and positive than ever. DNA avatars are transforming how we experience the metaverse by offering a way to be fully, genuinely ourselves in the digital space.

This new wave of technology is unlocking amazing opportunities for people to connect, learn, and grow in environments where individuality truly matters.

Table of Contents

Understanding DNA avatars and what makes them so special

DNA avatars are digital representations created using actual biological data from your DNA.

Unlike traditional avatars that require you to manually choose skin tone, hair, eye colour, and other features, DNA avatars are automatically generated to resemble you in the most accurate and personalized way. It starts with a simple DNA scan or biometric input.

This data is then processed through advanced algorithms that build a three-dimensional avatar based on your unique genetic traits. The result is a digital twin that mirrors your natural features while adapting to changes like age, lifestyle, or even your health.

The metaverse meets authenticity

The metaverse is already revolutionizing how we connect with others, but DNA avatars take that experience a step further. When your avatar looks and feels like you, the sense of presence in the digital world becomes much more meaningful.

Whether you’re attending a virtual class, joining a business meeting, or just hanging out with friends across the globe, the experience becomes more immersive and engaging.

If you’ve ever wondered whether Holiverse is real or fake, many users exploring DNA-based avatars in the metaverse are discovering just how real and powerful this technology has become. With lifelike features and evolving capabilities, these avatars aren’t just characters but reflections of our true selves.

DNA avatars help break down the boundaries between the physical and virtual world. You’re not just a username or a screen presence, you’re a lifelike digital version of yourself.

This brings a fresh level of connection and trust to every interaction. People can feel more confident, expressive, and comfortable because they’re showing up as themselves.

And it’s not only about looking real. DNA avatars also reflect emotional nuance and body language, which adds a layer of communication that text or voice alone can’t deliver. This means deeper conversations, richer collaboration, and a more natural experience across virtual platforms.

A new frontier for healthcare and education

DNA avatars aren’t just about social fun; they’re also opening up exciting doors in important fields like healthcare and education. In the medical world, digital twins created from DNA can help model how your body might respond to certain treatments.

Doctors and researchers can explore conditions and test approaches in a virtual model before applying anything in real life, offering a smart and proactive way to improve health outcomes.

In education, DNA avatars offer a new kind of engagement. Students can attend virtual classrooms where their unique identities are preserved. Teachers can interact with students in ways that are more relatable and personal. Learning becomes more interactive and inclusive, allowing for better understanding and participation regardless of location.

Safety, privacy, and peace of mind

With such advanced technology, it’s natural to wonder how your information is handled. The good news is that DNA avatar systems are built with safety and privacy at their core.

The platforms behind this innovation use secure methods like blockchain to ensure your data is protected. Biometric authentication adds another layer of safety, making sure only you have access to your digital twin.

What’s more, this technology is developed with full alignment to global privacy standards. That means you can enjoy the benefits without worrying about who sees your data or how it’s being used. Everything is built to keep your identity safe while allowing you to explore new dimensions of interaction and expression.

A bright future for digital identity

DNA avatars are showing the world what’s possible when technology and individuality come together. They’re making digital environments more inclusive, more personal, and more enjoyable for everyone. As the metaverse continues to grow, the role of authentic, lifelike avatars will only become more important.

Imagine a future where your avatar grows with you, learns from your experiences, and helps you connect in more genuine ways. Imagine attending conferences, performing in virtual concerts, receiving health consultations, and exploring new cultures all as your true self. That future isn’t far off. It’s happening now, and it’s full of promise.

The use of DNA avatars is also inspiring a new generation of creators, developers, and thinkers. People are designing better experiences because they can work with more accurate and expressive representations of others. This creates a ripple effect of positivity, creativity, and inclusion in every corner of the virtual world.

You are the future of the metaverse

DNA avatars are more than just a digital trend; they’re a meaningful step forward in how we express ourselves online. They allow each of us to bring our real identity into the metaverse with confidence and joy. They offer a chance to explore virtual spaces with more depth, more comfort, and more connection than ever before.