2017

When going out for a drive, Car owners should take great care not just about their life but also of their car. But sadly not every car owner is cautious while driving which leads to road accidents and ultimately them ending-up paying unexpected expenses.

If you’re a car owner without car insurance you should consider buying one, as owning a car without an insurance policy can be a living nightmare full of bills that need paying.

1.) medical bills-

A car accident can lead to injuries which ultimately land you in a hospital where you spend time in recovering and paying your medical bills.

2.) medical bills of the people injured-

If the people around the incident were injured as well, you would also have to pay their medical bills.

3.) Repair costs of the property damaged-

Say for instance your car collided with the entrance of someone’s front gate. You end up paying for their damaged gate as well.

4.) Repair costs of the car-

And let’s not forget about the repair costs of your damaged vehicle.

5.) Totalled car

Say for instance you were driving a car that you just bought with an EMI plan. It’s the third month and your car is completely totalled because of an accident.

In other words, you lose your perfectly new car and would still have to pay the EMI amount every month.

You’ll be surprised to know that at times mishap to your car can also happen because of external factors like –

1.) Vandalism

Scratches, dents, broken glass, graffiti, glue in keyholes, and slashed tires are some of the most common types of vandalism faced in inner cities.

2.) Theft of car parts

Thieves find this to be an effective way of making easy money, as stealing car parts don’t require much skill and can be accomplished in minutes.

3.) Stolen cars

Every year, police make some progress in recovering stolen cars however, the recovery rate is still not close to the total number of cars stolen.

4.) Riots

Riot is a time when parked cars face maximum damage in the form of loots and vandalism.

5.) Flooding

From forming rust to damaged electronic wiring, floods are a natural disaster that can ruin your brand new car.

Yes, owning a vehicle comes with a lot of unexpected expenses that you need paying, especially if you don’t have car insurance. Which is why it is crucial that every car owner goes for car insurance.…

It was not raining when Noah built the ark. You must have seen that sticker somewhere at one time or the other. In the same way, you should not already be in need of long term care before you start looking for a long term care insurance policy. It will be too late then. However, getting it as some other point in your life could also be too early. Here's the right time for you …

If there's a history of health conditions that require long term care in your family, note the average age when they began to need special care. You will do well to subtract at least ten years or even more and then get long term care insurance then. Waiting to do it at a later date may be too late for you. It's usually very difficult to get it when the evidences of its need become obvious.

If you do not have such a history in your family but realize that due to certain habits, job hazards, accidents, exposures, etc, you may need special care down the road, you'll do well to get your long term care insurance policy long before the projected period of need.

For those who are simply growing old gracefully, waiting till you're fifty may not be a bad idea. However, if you prefer playing it real safe, you can get it now. Like everything in insurance, the more likely you'll not need it, the much lower your premium.

Look at what you'll pay and compare it with the peace of mind you'll have. If you do thorough research you'll get long term care insurance at very low rates. So making it a lot less demanding even if you decide to get it now. …

Ask just about anyone considering whether to start a business what they believe to be the biggest obstacle to starting that business and the answer is almost always, money. It's a matter of, "I do not have the money" or "I do not know how to get the money" or "Even if I tried, I do not think I could get the money." It is a valid concern. Many businesses fail in the first three years because they are under capitalized to withstand the ramp up period needed by many new business ventures. The bottom line- money matters. But, the more intriguing question is how much?

On our website, we encourage aspiring entrepreneurs to check their entrepreneurial readiness with a short online survey. Rather than "score" the respondent, the intent is both to highlight the success factor gaps that are most significant to a particular person and to gather information to pain a profile of the aspiring entrepreneur. Several of the questions refer to money matters and simultaneously what the largest perceivable barriers are to starting a business. The results of the survey present an interesting paradox ~ Is Money What is Really Holding You Back From Starting a Business?

As of the end of July, 68% of the survey participants indicated that they understand the costs of starting a business and either have a plan for or an idea of ​​how to acquire them, yet almost a third of those responders also cite money as one of the primary obstacles they have to overcome. As we reviewed the responses of these individuals, we also discovered another piece of the puzzle. Most of these responders, also indicated that they had access to an alternate source of income and could wait from one to three years for the business to become viable. So, here's the paradox -if these individuals want to start a business, understand the financial requirements, have a strategy form meeting them, and have other means to support themselves, how is it that money is the obstacle?

Reconciling the inconsistency is critical because it absolutely will separate those who absolutely take that final first step towards entrepreneurship and those who will likely look back on the disappointment of an unfulfilled promise. Is it that money is the true obstacle or is it possible that aversion to losing that money is the real culprit? Our hypothesis is this-money matters, but not as much as people think.

What are some possible explanations for the inconsistency? One could be that while you may understand what you need to do to gather the financial resources to start a business and know what you can do to acquire them, at the end of the day, you find yourself somehow unwilling or unable to commit to the actions necessary to build the "nest egg". Alternately, it could be that the connection is really tied to the unwillingness to risk losing either what you have today or even what you save to support that new business. …

Concerned as to the amount of time you should keep your personal income tax records? Sometimes, taxpayers need to present these documents when the government reviews or audits a filed return or is trying to levy or collect tax. Also, these documents are required by creditors, homeowners associations, other concerned parties that have requisites to determine before giving someone the right to use money or extending credit to obtain property and for any other transactions that these documents are deemed necessary.

Retain your income tax records indefinitely. The accompanying records, income documents and deduction source information that are supporting financial evidences, should be kept usually for six years. Generally, the time limit for the IRS to assess tax for a given tax year is three years after the tax return was due or filed whichever is later, except for cases of fraud or a substantial understatement of income.

The IRS goes back more than three years when they determine more than 25% of gross income is not declared on a return, they consider this a substantial understatement of income, and the period for collection can be extended to six years. Also, IRS has no time limits and they can collect tax at any time when no return has been filed for a tax year. That is why it is necessary to keep your records for circumstances like these.

Hanging on to tax returns forever and other important source documents for six years should be sufficient. No one really knows when the IRS will try to go back to previous years and try to collect tax. When tax returns are filed electronically, make sure to obtain a hard copy paper version of the return from the accountant who prepared/filed your return.

Property records need to be retained until the property is sold. The tax effects of the dealings that take place this year may be affected by the purchases in the past. These purchase documents should be held on to until the property is sold. The following are some common examples:

Home was purchased in 1976 for $50,000. Additional $15,000 was incurred for renovations in 1993 and the home is sold this year for $200,000. To calculate the gain on the transaction, the cost information needs to be available. (e.g. purchase price plus renovations). In the event the IRS questions the return, the purchase and cost documents would need to be presented to the IRS. In this example, retain the records for six years after the tax return was due or filed whichever is later.

Some taxpayers have gains that qualify for primary home sale exclusion, which allows certain homeowners to exclude up to $500,000 of gain from the sale of a home. Even if this benefit applies to you, records relating to the home purchase and improvements should still be retained. The benefit may not be available in the future and it is impossible to know how much the house will be worth in the future.

There could be …

As technology evolves, so far the internet has done a great impact in business world. Make money online is what people are looking for nowdays. A lot of people wonder wherever make money taking online surveys is legitimate. It is a bit hard to answer this question but for a precaution, people have to be more careful it comes to this method of making money online, because most of the survey offers are scam.

It is not recommended for people who want to earn big money, however if they want to earn a little extra money, this would do. Why is that so?

A survey pays a very little amount of money, although the best part is that you only spend a little of your time taking it. Some survey websites will probably pay more depending on what kind of surveys you are taking. Survey companies charge you membership fee for their service. they are not the ones that run the surveys, but apparently they will help you by giving the list of websites that run the surveys.

It is a luck game I would say, why? There are two points to pay attention to:

  • They (survey providers) select the people, who deserve to take the survey
  • Before taking survey, you are usually given an application to fill, which includes your age, your gender, your occupation, your location, and so on. If you are not the one they are searching for, you will not be selected to take the survey. You have the chance to lie though, that does sometimes sometimes but not often. If they know you are lying, they will not send you any survey offers in the future.

  • They decide which survey are useful
  • Even if you have been selected and you have answered all the questions in the survey, there might still be a chance that you are getting paid, why? They choose which survey is good enough for them, if you are lucky and satisfies their needs, you would get paid. What if you are not? you know the answer.

It is true that you spend only a little time to do one survey, but one survey does not give you much more to earn. "Will you be selected?" and it comes to the final question "will the survey you are taking satisfy their needs?".

By any means survey is not worth your time unless you are a very lucky person. However, the survey companies provide an affiliate program for their members, which give you a chance to earn back your membership fee. …

Due to very fast Wi-Fi and mobile apps available these days, people can go online to pay their bills and schedule their appointments. Renters also use such technology to pay on time and manage their funds. Handling payments from wherever you are (with no annoying paper checks) is the new standard. So, property owners like you should consider accepting online rent payment. It is beneficial to both your business and renters – it saves time, reduces costs, improves cash flow and is more convenient. There are five major advantages your property management business could profit from in letting your residents pay their rent online. Let’s see:

Reasons for Collecting Rent Online

Controls management costs

Collecting rent online reduces property management expenses. This allows you to cut down on operation costs, and lets property management fees remain low, which is definitely an advantage for property owners.

Improves customer service

Instead of collecting and processing paper checks, your team can spend more time focusing on their marketing efforts and improving the relations with the residents.

Lessens past due accounts

Since there are different online payment options – such as PaypPal, eCheck and credit card – there will be a considerable reduction in late payments. In addition, mobile alerts that remind the residents that the rent is due, or when the due date is drawing near, usually prompts an immediate payment when your system is mobile device optimized.

Adds more security

Paying rent online gets rid of the risks involved with cash payments. Moreover, your insurance company is more likely to reduce your coverage when you do not maintain cash on-site.

Makes dispute resolutions easier and makes an audit track

Online rent payments generate a digital paper trail. If ever a resident claims that he/she paid online, you can check the system at once to confirm or refute the claim. With a fully incorporated property management software package, you can update owner statements, evaluate late fees and automatically trail split payments. The processing of rent payments and owner disbursements are more secure since sensitive personal info is never compromised. Your accounting group can just click to get a snapshot of those who have or have not paid to allow well-informed financial resolutions.

Expectations of Residents when it comes to Online Rent Payment Portals

According to past surveys, residents often expect a lot from online payment options. Besides being accessible 24/7, they expect them to:

  • be user-friendly and simple to navigate;
  • come with itemized monthly statements that separate additional fees from services;
  • provide different payment options, such as credit and debit cards;
  • allow automated recurring payments;
  • not have any processing fees, particularly if residents are required to make online payments.

There are renters who still opt to pay their rent in the form of paper checks every first day of the month. However, in the last few years, it has been observed that more people are becoming comfortable with online transactions. In case you do not offer such options of paying rent online, perhaps …

The Agora model for internet business started out as an experiment 10 years ago. Agora publishing company based in Baltimore Maryland developed the model. The model has helped Agora to grow into one of the largest online newsletter publishers in the world.

What exactly is the Agora Model internet Business?

The Agora internet business model works by using direct response marketing principles to sell information products online. The winning formula is tested and applied to other niches. It is a hybrid franchise business spinning off profitable businesses based on proven business tactics.

The model proved successful creating a 300 million dollars internet-marketing business in the process.

Why use the Agora Model?

There are two main benefits to using the model: the first is you are able to market your products online. When you market your business online

  • You can sell at high profit margins because your cost of production is low
  • You can work from any location and time zone
  • You can start your business with as low as $1000

The second benefit is you can become an info publisher. Information products are niche products. Because…

  • They have high perceived value (webinars, online courses, home study courses, boot camps)… so you can charge high prices
  • Your cost of production is low, because you can outsource most of your staffing cost( ghostwriters, graphic designers).
  • Your cost of delivery is low to zero ( you are sending electrons via email)
  • Your customers get instant delivery.
  • You can have your sales department on autopilot

If you are like me,who believes in starting business the smart way-low risk highly profitable-then the agora model is for you.

The 3 keys to success in the Agora Model internet business

  • Drive traffic to your website
  • Capture visitor information (lead capture)
  • Follow up with email marketing and make sales.

Let us look at the 3 aspects of this business model in details….

The first step in the Agora model is to drive traffic to your website. You can drive traffic to your website by; blogging, co-registration leads, search engine optimization, joint venture deals, Pay-per-click Advertising, newsletter advertising and article marketing. Some of the above-mentioned ways are free and others will cost you money.

The bottom-line is you want to have prospects and visitors coming to your website as soon as possible.

When you start getting traffic to your website, you are able go to the next step in the Agora model….

To capture your website visitor contact information and build your list in the process.

You do so by persuading your visitors to sign up to your free ezine.

The key to success here is….you need to understand copy writing.

Copywriting is the art of writing so your customers make the decision to buy from you.

This step is the most important step in the agora internet model

The axiom copy is king applies…when you have know how to get to the right prospects…because with copy converting the right prospect to… buy from you is easy.

Why is

Exporters and importers would certainly prefer their business flourish by mitigating unnecessary risks that may hamper their brand name, reputation and import & export privileges.

On the other hand, the companies which failed to comply with export control regulations ended up with heavy fines and penalties. In fact, some companies still remain unaware of the set of laws codified as the US export control regulation, until they fall into the non-compliant companies and organizations situation when the U.S. government export enforcement office investigates them for violations.

The governmental agencies, particularly, the U.S. Department of Commerce’s Office of Export Enforcement, U.S. DHS Immigration and Customs Enforcement (ICE) and U.S. Department of Justice request exporters to conduct certain safeguarding activities, widely known as checks and verifications under “Know Your Customer”, as in the following:

Check customers, suppliers and other trade partners thoroughly prior to completing any business transactions with them,

Check if ordered products match the customer’s businesses practice or not.

Verify about modes of transportation and packaging requests.

Check for the red flags in routing of shipment through multiple countries.

Deny high-value transactions in cash.

Carefully screen their names and addresses against Denied party lists.

The aforementioned methods would also be great steps in implementation of good export compliance posture. Several U.S. Government agencies and other country government agencies, including the International organizations, regularly publish red flags and lists of banned, prohibited and denied persons, entities and companies. Periodically referring to those large numbers of lists, one can discover whether an entity is acceptable to do business from the U.S. export control regulations perspective or not. But, would this be effective enough for you? Does it make easier or faster for you? Absolutely not! Unless there’s something as efficient as automated export control software, the fact-checking against restricted party lists will be quite difficult, cumbersome and labor intensive.

How the software can help your business?

In the current scenario, if you don’t keep up with the recent technological trends and the speed of international trading you may hinder your business’ progress. Having efficient and accurately working export control software is a definite must. Automated restricted party screening software will help you check your trading partners against several internationally barred and denied company lists. Not only that, it will also help you keep a tab over ever changing international and national import and export control regulations. You can request top software providers for a complete software package that also helps you with ECCN and HTS classification as quickly as possible. The advantages of using this software include:

Reliable trade partner screening prevents long hours of manual search operations. With greatly improved flexible searching capabilities, such as phonetic search and fuzzy logic search, screening software in the market today allow users to find accurate results in a fraction of seconds.

Batch/bulk screening of lists makes it highly efficient for businesses that have got a lot of work to do. You will have a cost-effective solution at work, which helps you with compliance measures …

You have many ways that will help you reduce the monthly car insurance that you have been paying as a premium. By examining the factors that can affect the price of the premium rate of the auto insurance, you will be able to have the ability to at least lower the premiums that you are paying for the insurance as it goes.

One of the premium rate factors that can help you reduce its monthly payments will be the age of vehicle owner. Being a senior citizen at a certain age can make you avail of the senior citizen discounts which may include the car insurance that you have.

All you have to do is to present the proof that you are at that age and that you are considered to be a senior citizen. You have to go to the insurer and then process the papers that you have to present.

If you have no car insurance yet or if you want to change to another insurance company then all you have to do is to compare quotes and then look for the ones that can also offer certain discounts on auto insurance . Find the one that can give the highest or maximum discounts without eliminating some of the benefits that you need.

By doing so, you will be able to have the best deals of auto insurance when it comes to price and at the same time, the benefits. So find the insurance deals now on the Internet and get the discounts that you want to have. …

Have you ever met someone that right from the start you hit it off with? The interaction just flowed and you were not doing anything but being who you are. You laughed, smoked, told jokes, told stories and for just a fleeting moment you thought, "Wow this person is so cool." In that moment you are experiencing something so diverse and mystical that scientists have devoted their lives to providing exists. What is that thing? It's chemistry ….

In its simplest definition, chemistry is the interaction of one personality with another. In science when two chemicals interact we know that it can have an explosive results and the same is true when it comes to dating. Before we explore what dating chemistry is we must understand what it is not.

Chemistry is NOT just attraction …

Attraction is something you can generate in another person by banter, role-play, fun, touching and other playful activities. Chemistry is not something you do to another person it is something you have with them. In attraction you are doing actions and generating a feeling from the person, with chemistry you are not "doing" anything but you build a connection. you are trying to generate attraction you are doing actions that cause an emotional reaction in the other person.

Attraction is about doing, chemistry is about being …

Attraction is something you can generate in most people you meet; chemistry is something you find in a very rare amount of people. Just because you have similar personalities and get along does not mean you found "the one." Since we understand the differences between attraction and chemistry we should break down the types of chemistry people can have.

The way I see it, there are two types of chemistry, Personal and Sexual.

Personal Chemistry is all about your personalities. Do you have similar personality traits and commonalities? Personal chemistry is finding a person who you connect with based on who you are to the core. Personal chemistry is much deeper then commonalities like "we both enjoy the same music." Personal chemistry is a longing or drawing to each other based on personalities. This is often mystical to people because they might not know what it is about that person but they just seem so cool. This type of chemistry is often confused for attraction because of its mystical nature. There is no doubt that mystery cause of attraction and often times the root of the mystery is that people do not understand that they have personal chemistry and that have developed feelings of attraction.

Attraction can be created by chemistry but chemistry can never be created by attraction because chemistry is revealed and attraction is created.

Sexual chemistry is a draw to each other sexually. Sexual chemistry is more than just a want for your partner; it is a compatibility with each other's fantasies. If oral sex is important to you but she does not want to perform it much and is really not into it …