Is Avoiding Student Loans Possible?

Is Avoiding Student Loans Possible?

Is Avoiding Student Loans Possible?

Jonathan Osler San Francisco explains that student loans can be a real burden. Even if you do manage to graduate, you may still find yourself owing money for your education. That’s because student loans are lifetime financial commitments that are often difficult to repay. Here are seven ways you can avoid student loans:

1. Save money and invest it

One of the best ways to avoid student loans is to save money and invest it. If you’re not in a position to save money, then try to get a part-time job if you can. This will allow you to start saving money from day one, which will help you avoid student loans later on in life.

2. Take advantage of an income-based repayment plan

This is the most common way for people with student loan debt to repay their debt without paying as many interest payments as they would have otherwise paid had they not taken out a loan. Your school may offer this option, and it may be worth checking if you still have debt after graduation.

3. Try refinancing your student loans

Many people fall behind on their payments when they graduate because of rising costs or because their income doesn’t cover the amount they owe after taxes and other deductions are made from their paychecks. In this case, a refinancing option may be available through their lender. This could result in lowered monthly payments and a lower overall interest rate on loans, which could help people avoid future interest charges on unpaid balances left over from graduation day.

4. Consider private education lenders that specialize in helping students who need financial aid apply for scholarships or grants

Some private education lenders may be willing to loan money to students who have not yet graduated but need financial aid. It’s important to note that these lenders are not typical student loan lenders, so you should always check the terms and conditions of any such loan before you take it out. Jonathan Osler San Francisco says, “Some private lenders offer loan programs that can be used to pay college tuition and fees.”

5. Work part-time during college

You may be able to work part-time while in college, which would allow you to avoid taking out student loans. This is a good option for people who don’t know exactly what they want to do in life and are not sure they’ll have a job when they finish school. Osler says, “Working part-time in college can help you pay for school, but it can also help you figure out what kind of work you want to do and what it takes to make a career out of it.”

If you are in college and have student loan debt, it’s essential to start thinking about how you can get rid of your loans as soon as possible. If you don’t, you could pay more interest charges than the amount of money the government will forgive for qualifying for federal loan forgiveness programs.

The Influence of Politics in Business

The Influence of Politics in Business

The Influence of Politics in Business

Politics and business have been intertwined since the beginning of time. When running a business, you must consider what legislation may be passed in the future and how laws will affect your livelihood. If you do not take the time to become informed, you may be faced with some less-than-desirable outcomes. Please look at the history of politics and business throughout the years explained by Dr. Jordan Sudberg and discover how they have affected one another.

Ways in which politics influence business

1. The government can effectively legislate against businesses that are considered to be unethical, sometimes even openly declaring them illegal. This is not an ideal circumstance for businesses. This can also be seen in many countries around the world enacting regulations or laws that significantly hamper business operations or profits (this concept is known as ‘Regulation’). This can have a significant impact on a business and its employees.

2. The government passes policies to control business decisions related to jobs and working conditions. Often, this will negatively influence the company’s decision-making processes. The government has shown an interest in how business is conducted in recent years, trying to intervene to create legislation that gives them the power of greater control over businesses.

3. Governments regularly give certain businesses special favors, such as tax breaks and subsidies. These “subsidies” are paid for by tax money, so each taxpayer is paying for a particular company to be broken even or turn a profit. As per Dr. Jordan Sudberg, This can cause problems for a company, especially if they are getting free money from the government but also have competition. These competitors may not be getting these subsidies and thus have an unfair advantage. Oil companies are a perfect example of a firm being subsidized by the government, which the US government is constantly subsidizing.

4. According to him, governments often give certain businesses unique benefits, such as tax breaks and subsidies. These “subsidies” are paid for by tax money, so each taxpayer is paying for a particular company to be broken even or turn a profit. This can cause problems with the business because they must take partial credit for this growth while also taking the blame if they fall short of expectations. An example of businesses receiving unique benefits from the government is oil companies that receive considerable subsidies to drill in foreign countries and turn a profit, at the same time being used as an example of why it is not feasible that other countries should do this.

5. Government policies affect how we live by dictating how we shop, travel, eat and conduct our daily lives. Some businesses, such as airlines, have had to make considerable changes to provide better service and increase security to comply with new regulations. From now on, they will have to be able to check their bodies for weapons at security checkpoints, which means that staff will have to be able to handle this task to pass the background check. Furthermore, passengers will not be allowed to bring their weapons onto planes, directly impacting many business models in how they sell their goods and services.

As we can see, politics and business have been intertwined since the beginning. When running a business, you must consider what legislation may be passed in the future and how laws will affect your livelihood. If you do not take the time to become informed, you may be faced with some less-than-desirable outcomes. Please look at the history of politics and business throughout the years and discover how they have affected one another.

How a Company Can Become Competitive

How a Company Can Become Competitive

How a Company Can Become Competitive

In the modern business environment being competitive is imperative for a company to survive. Today, in order for a company to remain competitive, the management must be proactive in all facets of business. This article discusses the key components to successfully becoming and remaining competitive.

The first step is fostering and maintaining superior customer satisfaction. Superior customer satisfaction will lead customers to repurchase products or services from your company which will lead to higher profits margins as well as satisfied employees who have better morale. The second step is establishing an effective budgeting system that accurately predicts and drives expenditures while keeping accurate records to meet financial obligations.

The third step is to stay on top of the competition by knowing exactly what business strategies and other actions that your competitors are taking. According to Jordan Sudberg, understanding the strategies by your competitors will help you always stay one step ahead.

The fourth step is to conduct effective market analysis to understand who your customers are and what products or services they are looking for. This will help you to determine the types of changes that your company needs in order to stay competitive.

The fifth step is to use the laws of supply and demand in order to maximize profits by stocking products efficiently, which will help reduce losses for any resold products.

The sixth step is to have a well defined pricing strategy that can help maximize profits when selling products and services to customers. An effective pricing strategy will ensure that you are maximizing your profits while also ensuring that customers purchase the products or services that are needed.

The seventh step is to develop strong business relationships with suppliers, distributors, and producers in order to supply whatever products or services are needed for your business. This will ensure that the business has enough access to supply its own needs for owning a successful business. Maintaining a good relationship will also improve the reputation of your business and this could be crucial in getting new customers. This will also help to increase the margins for product sales.

Another key step is developing and maintaining effective organizational structure. This will be crucial in identifying and improving any areas of weakness in your company which can be improved by hiring new employees who have the skills that you need as well as training them properly. Understanding how different departments in the company operate and their needs will help you to create the right environment for employees.

The last step is maintaining a competitive advantage by always being updated on any advancements in technology, sales tactics, new clientele, etc. Jordan Sudberg states that keeping up with the current trends can be crucial to the operations of an organization especially if the environment and trends of the industry are always changing.

In conclusion, becoming competitive requires more than just the creation of more products and new services, it requires knowing how your customers are going to benefit from the new product or service that has been created as well as how to maintain and improve the current performance of an organization.

Relocating for a Job

Relocating for a Job

Relocating for a Job

Moving for a job is never an easy decision, but it can be one of the most rewarding decisions you make in your life. For those who want to relocate, there are many factors that need to be considered as they weigh their options. Understanding these factors to know if moving is right for you will ensure that your new location is the best option for you and your future career, says Dr. Jordan Sudberg.

How to Decide Whether to Relocate for a Job

Whether you are considering moving for your old job or a new one, there are some things that you will want to consider before moving. Here are some of the most important factors Dr. Sudberg has come up with.

1. Evaluate the Job Opportunity

This is the most obvious question to ask when considering whether or not to relocate for your job. If the company has an excellent benefits package and competitive salary, it would be worth considering relocation. But, if there is a better job in your present position, then do not move for it.

2. Location of the Job

This is one of the most important factors to consider before moving for a job. If you are currently working for a company that is in close proximity to both your home and the new location, it would be worthwhile looking into relocating. Having this close proximity to the new location may make it easier to drive. If you work long hours and miss your children when they are at school or have other obligations, then you may determine that it is not worth moving if the job is not right next door.

3. Time Committed to the Job

If you are relocating for a job that will be short term, such as 6 months or less, it may not be worth moving. Although the salary offered would be more than you could make at your present position, you may end up spending more for housing and transportation in order to get to work. Before making such a decision, you should try and negotiate the time commitment for the job.

4. Evaluate the Personal Costs

Relocation is not just a short-term job change. It is a lifestyle change as well. In order to prepare yourself for a possible relocation, you need to consider the following:

• School Costs – Are your children in school? Do they want to graduate where they are? If you have children, you should find out how much tuition would be if you moved to another state.

• Family Ties – If you have family that lives in another state, then moving may not be a good idea if you want to stay close. But if a family member is ill and requires over-site, then moving may be necessary.

5. Relocation Costs

This is the largest expense that people usually overlook when they consider making the move. You need to factor the price of relocating into your budget before you decide to move.

Conclusion

Dr. Jordan Sudberg believes that relocating for a job is not a decision that you should make quickly. You need to consider the benefits and costs of moving before you do so. Make sure that you have enough time for the move, that you can find a job in your new location, and that your family does not suffer from relocation anxiety.

Finding a New Career Path

Finding a New Career Path

Finding a New Career Path

Finding a new career path can be challenging and a little scary, and often it feels like there is no way to know if you will be able to succeed in the career you want. Thankfully, there are steps that one can take that will help improve their chances of finding work in a new field. According to educator Jonathan Osler San Francisco, here are some suggestions for finding a new career path.

Each person is allowed to have their reasons for wanting a new career path, but an excellent place to start is by identifying what one feels drawn towards. There are many different career paths available to the average person, so finding something they care about will be critical. For example, some people may want to discover a career where they help and connect with others in some way. Others may feel drawn toward careers revolving around aesthetics or art and design. Other people may find themselves drawn to careers that involve helping others or even helping the environment.

According to Jonathan Osler San Francisco, once a person has found something that they like, it is essential to look at the individual’s skills and abilities. Many people do not realize how much their actual work skills are affected by things like their own interests, hobbies, and other activities. For example, if a person has always liked cooking and baking, it could be very beneficial for them to look into a career in the culinary field.

Once a person finds a career path that matches their interests and work skills, it is essential to look at the market for their new profession. Many jobs exist in different areas of the economy, so it is important to look into these other areas. The average person will have some idea of which careers would make sense for them, but exploring these different possible careers can be an interesting way to find something new.

One of the most important things to remember when it comes to finding a new career path is that it is okay for someone to try one career and then later switch to something else. Many people hold various jobs throughout their lives, especially if they are interested in multiple fields. It will not be seen as a failure if someone finds that their chosen career is not what they expected or wanted. People should look for something that makes them happy and allows them to enjoy their work.

Asking for advice from others is another strategy for finding a new career path. It can be very helpful to talk with friends, family members, and people in the same industry about what they do and what they find enjoyable or challenging about their jobs. This way, a person can get feedback on their ideas for a new career and possibly even try out these different options. In addition, it can be helpful to speak with experts and people in charge of jobs that are similar to the one that the person is interested in. These people can give helpful insights into how one can go about this new career, what steps to take, and other information.

When a person is trying to find a new career path, they need to keep an open mind about different types of options. Some people may have certain ideas about what they would like their new job to be, but many careers are more focused on teaching and learning.

Convincing Consumers to Buy Products

Convincing Consumers to Buy Products

How to Convince Consumers to Buy Your Product

Digital marketing tools have made it easier for companies to target customers directly with ads and websites. The downside is that advertising has become so saturated that consumers are now immune to new advertisements. As a result, convincing them to buy your product is no easy feat. If you’re selling a product, service, or brand, you need to find ways to convince your target audience that your offering is worth their money and time. This can be an especially strenuous task if you’re trying to sell something that isn’t a necessity, like a video game or an app. You can’t just expect people to buy it just because they might enjoy it or another person did. There are many different ways you can convince customers to purchase your product, despite whether they need it or not. Still, the most important thing is that you find a way to sell yourself (or your company) as much as you sell the tangible object you are trying to sell.

According to educator Jonathan Osler San Francisco, the first and most important step to convincing consumers to buy your product is to know your audience. You need to be able to understand their needs and wants and their daily lives and lifestyles. If you know your target audience inside and out, you’ll be able to tailor your sales pitch to them in a way that will resonate. You can’t make your audience happy if you don’t know who they are.

as per Osler, you ought to utilize the following tips in pursuit of 

Convincing Consumers to Buy Your Product;

Use a hook to make sure people hear your message.

One way to make sure your sales pitch sticks is to use a hook. A hook is a one-sentence statement that describes the benefits of your product. For example, if you’re selling designer sunglasses, you could use a hook-like, “Our sunglasses are made for those who want to look trendy, but care about the environment.” When you put a hook at the beginning of your sales pitch, you’re attaching a rubber band to your product. The hook will pull in consumers interested in your product, and they will want to hear more about what you have to offer.

Use social media influencers to spread the word.

Another way to convince consumers to buy your product is to partner with social media influencers. Influencers have large followings on social media, and they are often celebrities or personalities who use their following to make money by promoting products. If you can find an influencer with a large following that matches your target audience, you could strike gold. Influencers can help convince their followers to buy your product simply by talking about it in their posts.

Find ways to tie in your product with current events.

If you have a product that ties in with a current event, you have a built-in audience. For example, if you have a new sports drink designed to help athletes recover from intense workouts faster, you could tie it in with the 2020 Olympics in Tokyo. If you can find a way to market your product that involves a big event or holiday, you’ll be able to reach a wider audience. You can also find ways to tie in your product with political issues if you’re trying to appeal to a wider audience.

Give away something for free.

If you’re trying to sell luxury items like designer handbags, cars, or even a high-end service, you may run into a problem with how to convince consumers to buy your product. One way to overcome this challenge is to give something away for free. For example, if you’re trying to sell designer handbags from a famous designer, you could offer free shipping to anyone who purchases one of their products. This will help convince consumers that your product is worth the money because they’re getting something that is usually expensive for free.

Show consumers how easy it is to use your product.

Another way to convince consumers to buy your product is to show them how easy it is to use. If you’re attempting to sell a sports drink, you can show people how easy it is to mix with water and how quickly it dissolves. If you’re trying to make a sale on social media, you can also offer a free trial period. This will help convince consumers to buy your product because they’ll be able to try it out themselves and see how easy it is to use.

Conclusion
If you want to sell your product, you have to be willing to sell yourself first. Jonathan Osler San Francisco thinks that consumers need to trust you and your brand to buy your product, so you have to find ways to make them believe in you. You can use several strategies to convince consumers to buy your product, but the most important thing is to understand who you are selling to and what they want. If you know your audience inside out, you can tailor your sales pitch to them in a way that will resonate. You can’t make a sale to your audience if you don’t know who they are. When you know your audience, you can use various strategies to convince consumers to buy your product.

Facts About Content Marketing

Facts About Content Marketing

Facts About Content Marketing

Content marketing is not quite a new phenomenon, but it is one that’s quickly gaining popularity in the world of internet marketing and social media. It has to do with the promotion and creation of engaging content (articles, blog posts, videos) that’s distributed across a variety of platforms to great effect.

The goal for content marketers is usually just to attract readership, but there have been plenty of successful examples where content marketers have gone on to form successful business relationships with the brands they’re promoting. Partnerships can often be beneficial for everyone involved.

Although the concept itself isn’t brand new, many companies are now taking to it as a means of growing revenues and profits. In fact, it’s one of the fastest-growing marketing channels today.

With the right approach and approachable content, it’s possible to use these platforms to your full advantage as a brand. Here are some facts about content marketing to help guide your efforts toward success.

1. Content is king

in content marketing , the quality of the content is paramount

Content expert Dr. Jordan Sudberg suggests that while it’s important to be able to speak your customers’ languages, know their needs and desires, know your target audience and so on, a great article will always be better than a bad one.

There are many factors that contribute to the success of an article including:

Content quality 

The clarity of writing style, how much information is included, how well researched it is and how easy it is to navigate around.

Expertise and authority

An expert or expert source of information writing an article means that you can trust the information in it, and the overall quality is likely to improve as a result.

The topic

Highly focused content topics mean that you can target one group of people very specifically, whereas broad and unfocused topics are likely to attract a wider audience.

Format

While there are many format options, research has shown that articles which have a higher word count also have greater success rates.

Credibility

Knowing that your content has been created by someone who you trust will go a long way toward the success of your efforts.

2. Smaller is not always better

The size and format don’t matter if the content isn’t good, so if a business is looking to create content for marketing purposes, it’s important to find the right person to write or create the content.

3. You don’t need a lot of resources

As Dr. Jordan Sudberg states, creating content and posting it to a new channel can be pretty overwhelming but there are tools that can do all of the hard work for you. Article writing tools, such as Spin Rewriter are good examples of platforms which allow users to create unique and engaging articles in minutes.

4. Your content can have an effect

Content markets are one of the most powerful tools that any marketer can use in their arsenal, and as a result, they’re becoming a more and more common way for brands to market themselves. Social media sites and other channels are becoming increasingly popular for posting articles, so it’s important to know how you can use this type of content effectively to benefit your business.

Things to Know Before Starting a Business

Things to Know Before Starting a Business

Things to Know Before Starting a Business

This article will hopefully set your mind at ease for those of you who have always wanted to start a business but felt like there was no way in hell that you could ever do anything on your own and make money. With the current economy, everyone is searching for ways to gain success without a lot of work. According to pain management Jordan Sudberg, it is possible to start a business. You can do certain things to help you along your path to business success. There are many different paths that you can take, but the right choice for you may not be the right choice for someone else. You must identify what it is that your strengths are and then try to capitalize on those while trying not to ignore the other areas of business altogether.

5 Things to Know Before Starting a Business

1. You Need a Plan

Before you can start making money in your business, you need an overall plan for making money with that business and what you need to do to be successful. It is essential to have a plan before you attempt to start a new business because if you have a plan, you can then go out and make that plan happen rather than starting a business without any idea of the direction it will be heading. The only way your business will ever be successful is if you can plan and make sure that there is structure and order to the way things are done.

2. Know Your Audience

It is essential to know your audience and who it is that you are trying to attract with whatever business you are starting. It is also essential to know what your potential customers’ interests are and what they want as well. This way, you can use those interests to create marketing opportunities for your business. You will be able to focus on a target market that has been shown time and time again to buy products in a specific category.

3. Network with Others

It is essential to seek out people who have been successful in their businesses. It is usually going to be other people who are starting their businesses or people who are already in business and trying to influence their audience. Networking with others who have already been successful and can help you understand the needs of the public is a precious thing to do when starting a new business.

4. Build Your Network

It is essential to build your network by having other people know about you and help you get to where they can help you. If you are trying to start a business and no one knows who you are, it will be extremely difficult for someone else to work with you. Also, you need to be very careful in networking because not everyone is trustworthy, and if someone tries to take advantage of your network, that will lead you down a path of failure.

5. Give It Time

For anything in business to be successful, you have to have time. You can’t expect to start a business and have it as successful as some more giant corporations overnight. When starting any business, especially if it is your first time, you will often fail and fail. That is just the way things work, so don’t get discouraged when things don’t work out exactly like you may want them to at first.

The main focus is to make people’s lives easier and bring them more happiness. The economy is a tough spot for any business to be in. The only way a business will be successful or noticeable according Jordan Sudberg is if it can genuinely make people’s lives easier and happier. The goal of all businesses is to create jobs and provide opportunities for individuals to succeed in their own lives during the time that they are going through everyday life.

Creating Value with Your Brand Identity

Creating Value with Your Brand Identity

Creating Value with Your Brand Identity

Businesses are often looking for ways to create value with their brand identity. One niche that is rapidly growing in popularity and accessibility is the health and wellness business. Helen Schifter is a health and wellness advocate who has found success through her work in this industry. 

The first step Schifter suggests to make your company stand out from others within the same industry is offering comprehensive services at reasonable prices. She also insists on making a robust menu of products, services, and resources that introduce people to your business. Schifter believes that companies should provide as many ways as possible to get to know your business and spread the word about their offerings. She also notes that it is essential to have a unique selling proposition (USP) for your company that allows you to stand out from your competitors.

Schifter advises business owners to make sure their website is user-friendly and offers easy access for customers looking for information about their products and services. She suggests focusing on making the customer experience memorable to build loyalty with customers. Schifter also creates tempting offers for customers to encourage them to make repeat visits to your business.

Effective social media marketing is an excellent tool for businesses looking to succeed. Schifter notes that most people think social media is all about advertising, but she believes it can also help build relationships with customers. Social media allows businesses to have real-time conversations with regular customers, mainly by providing valuable customer service using social media platforms. Although Schifter does not believe that every company should invest in a robust social media presence, she does believe that a business should identify the platform its audience uses the most and engage with them regularly on this platform.

Schifter believes that investing in events is another valuable marketing strategy for small businesses. She suggests creating an event that will interest a large community of people and provide an experience they cannot get at home. Events also allow business owners to build relationships with customers, especially since they are more relaxed without the hassle of having to make a purchase.

Schifter also believes that events are another excellent venue for marketing your business and giving it value. She notes that you can create great content such as videos, photos, and articles related to the event and then share this content online so people who cannot attend can still learn about what is happening at your business.

Helen Schifter emphasizes the importance of being business savvy to grow a company successfully. She notes that it is essential to stay ethical, treat customers with respect, and be consistent with marketing strategies. Schifter believes that it is also necessary to invest in technology and yourself. She notes that a business should invest in technology to collect data on what their customers want and need. She also suggests investing in yourself to become more knowledgeable about your industry to provide better customer service.

In conclusion, Schifter wants business owners to be successful, so she believes it is essential to focus on creating value with your brand identity. She believes that developing a positive brand identity will build trust among consumers and help strengthen relationships with them.

How General Liability Insurance Can Help Your Business

How General Liability Insurance Can Help Your Business

If you are a small business owner, you probably don’t want to be legally responsible for people’s injuries and property damage. However, it is essential to be prepared for such risks. For example, a person can become injured while visiting their client’s workplace. General liability insurance can protect you against such occurrences.

Benefits of general liability insurance

If you run a business, you should consider buying general liability insurance for your company. This type of insurance covers many possible scenarios, including a lawsuit or a customer complaint. General liability insurance – protect your business | Thimble it provides  peace of mind by protecting you against unexpected events. Here are the benefits of obtaining this type of coverage for your business. First, you’ll have a clearer understanding of your business’s needs. This type of policy also protects your reputation.

First, it protects your business from third-party liabilities. General liability insurance covers property damage and bodily injury claims. This insurance is essential for any type of business, as it covers any number of hazards, from slick advertising to a product’s malfunction. It also protects you from the legal expenses accompanying such an incident. Finally, it gives you peace of mind. This type of insurance will provide you with peace of mind when dealing with clients or partners.

A business can be sued for anything from a slip and fall to a slander claim without a general liability policy. Even if a lawsuit is dropped or dismissed, legal fees can cost several thousand dollars. If you don’t have this insurance, you’ll be putting your business at risk financially and may even lose valuable clients and customers. 

It protects your business from lawsuits.

A general liability insurance policy is a type of commercial insurance that protects your business from lawsuits. It may be necessary if your business deals with the public. For example, a case arising from a product or service sale may require a large settlement to settle the claim. This type of insurance can be purchased separately or as part of a package policy for your business. An insurance professional can help you determine how much coverage you need for your business. If your current policy is inadequate for your business’s needs, you may need to purchase a commercial umbrella policy.

A general liability insurance policy will pay for legal costs in the event of a lawsuit arising from your business’s actions or inaction. For example, it covers bodily injury lawsuits, property damage arising from employee accidents, and defense costs if you are sued. General liability insurance is essential for many types of businesses. For example, many landlords require it for small business owners. In addition, you may need to get public liability insurance to protect your content if you own a website. For example, a web designer may need to defend their content from accidental copyright infringement and libel lawsuits.

In addition to protecting your business from litigation costs, a general liability insurance policy covers expenses related to a lawsuit arising from advertising injuries and third-party injury claims. It pays for court-awarded damages, settlements, and medical costs for individuals or businesses that have been injured or damaged in the course of conducting business. Moreover, a general liability insurance policy will cover libel lawsuits if an employee makes false claims about a competitor.

It helps pay for injured parties’ medical expenses.

Bodily injury liability insurance pays for damages caused by your vehicle on the property of another person or driver. It can cover medical expenses, funeral costs, and lost wages for people injured in an accident. In addition, bodily injury liability insurance pays for emergency medical care, hospital bills, follow-up doctor visits, and related expenses. You may also be able to claim compensation for medical equipment, including wheelchairs.

In addition to paying for injured parties’ medical costs, general liability insurance may also cover written communications that cause harm. This can include libel, slander, malicious mischief, and copyright infringement. For example, a small business retailer may suffer a decrease in business after a competitor starts a rumor about his business. As a result, the business owner can file a lawsuit against the competitor for the rumor to cover the cost of lost advertising and personal injuries.

The money paid by general liability insurance covers the injured party’s legal expenses and medical bills in a lawsuit. It can also cover damage to third-party property, such as a broken window.