February 2018

Can you really make money online? That's a question I asked myself a few months ago while using internet job search sites after being made redundant. While searching these sites, I occasionally came across adverts for making money online doing simple things like taking surveys. Sounded simple enough really, so I signed up for a few survey sites to see what I needed to do and wait for the cash to roll in! Er … well it didnt quite work like that! Some sites offered small amounts of cash to complete a 30 minute survey (maybe £ .50 or $ 1), some offered you points which you had to accrue to cash in later for items such as vouchers or goods. After doing a few of these surveys, my boredom threshold became very low and I just stopped! They were doing my head in. Big time.

After scrapping the surveys idea, I came across several articles, emails and web sites with the obvious titles. You know the ones: "Want to make umpteen thousands a day online just by watching TV and glancing at your computer now and again? Well now you can! Just send $ 37 to me now!" Yep. I laughed at them too!

Then I got wind of writing articles for money which led me on to writing ads then affiliate marketing. Do people make money from affiliate programs? Well, I thought I would give it a try. Mainly because you can set yourself up without it costing you a penny, or needing a website! What harm could it do?

I joined a free classifieds site, wrote a quick free advert and linked to an affiliate product for free. If someone bought something through my advert, I would receive a commission from that sale! Easy right? Well in theory!

I then thought about the fact that people had to see the advert to then buy the product! Hmm, ok, I decided to join other free ad sites to increase the amount of views. Then I thought about a website. Are there any out there for free that a complete idiot like me can set up? Well yes there are! Just do a quick search and you will find them!

That's the stage I'm at now. The ads are out there, some affiliate links and banners are on the site, and I'm signed up to sites that say they will submit my website to lots of search engines. In theory anyway!

In no way am I expecting to make a single penny using the methods described above, but it would be nice if I did! And in no way am I ever going to pay upfront for any kind of get rich scheme, so I will continue to use anything that's free. You never know, there might be a way to get something from nothing !! …

Flood is commonly covered by ARPI policies but, on occasions, some policies exclude it or, alternatively, provide the client with the option of extending the policy to cover it as an additional peril. The meaning of flood has been considered infrequently in the English courts and, the courts have first to consider the meaning of flood in the context of the policy as a whole. In the case Young v. Sun Alliance and London Insurance Ltd. [1976] 3 All ER 561, where the word “flood” was incorporated in a phrase with “storm and tempest”, it was held not to cover damage caused by three inches of water leaking into a bathroom from an underground spring-storm and tempest suggested a more violent event.

In the case of Computer & Systems Engineering Pic v. John Lelliott (Ilford) Limited and Others (The Times, 23 May 1989), during building operations at the assured’s premises, a metal purlin was dropped onto a sprinkler system pipe. The pipe was damaged, allowing water to escape which in turn damaged the property of the assured. The court was asked to decide whether or not the property owner was obliged to bear the risk of damage under clause 22C: 1 of the JCT Standard Form of Building Contract (1980 Edition) because the damage was not caused by “flood” or “bursting of pipes” within the definition of the clause 22. First, the court considered what an ordinary reasonable Englishman would say if asked “What was it that caused the damage?”. His answer would have been “the negligent dropping of the purlin which fractured the sprinkler pipe”;

As a result of the lack of direct case law, the court referred to the various insurance cases dealing with the term “flood’*. It relied upon Young v. Sun Alliance (above) and Commonwealth Smelting Limited v. Guardian Royal Exchange Assurance Limited [1986] 1 Lloyd’s Rep 121, as supporting the propositions that:

– flood should involve some natural phenomena or abnormal occurrence; and

– “bursting and overflowing” were to be construed intransitively, involving some interruption of a pipe from within. (In other words, without the assistance of extraneous factors.)

Therefore, the damage to the sprinkler system constituted neither a flood nor a bursting or overflowing of water from tanks, apparatus or pipes. The Court of Appeal confirmed the decision suggesting that the word “flood” suggested the invasion of property by a large volume of water caused by a rapid accumulation or sudden release of water from an external source, usually, but not necessarily, as the result of a natural phenomenon such as storm, tempest or downpour. Certainly, US authorities have not distinguished between man-made floods (such as the bursting of a dam) and floods resulting from natural perils.

Thus, as when considering the definition of any phrase within the context of ARPI, a court will:

– look at the context in which the word is found;

– enquire as to whether or not the word has any ordinary meaning in common parlance; and

– look …

OK, we want to be consistent in our small business marketing message. How?

First, we must seek out the dissonance in our advertising message. Nails screeching across a chalkboard in a quiet classroom or the squalor of brakes in the middle of a residential neighborhood are obvious and starting types of dissonance.

It's easy to see obvious violations of your company's brand. Many big corporations rightly focus on the company logo as the ultimate visual representation of the brand. Any errors or distortions of the company logo are quickly spotted and corrected. So critical is the logo to many large corporations that they have legal counsel quickly and firmly contact any parties that are misusing the logo in any way.

For a small business, the signage displayed on the storefront and within the store is typically the equivalent of a corporate logo. Very few small businesses have really recognizable logos that are their own. They commonly have a piece of clip art placed next to a distinct font that bears the company name, and that is about as close to a corporate logo that any of them get.

And you know what? It is usually enough.

Because for most small business, it is not the logo or the signage that is the brand. At its best, a logo merely calls to mind the brand . It is not the brand itself. A logo, like any other symbol, is completely neutral in meaning without being placed in the proper context.

So, if the signage in your store is in straight and properly fixed and does not need painted and there are no bulbs burned out in any of your flashing signs, then it's time to roll up your sleeves and look for instances where you are really whispering To your customer something that is in direct conflict with what your brand stands for.

Here we are not looking for that nails-on-chalkboard obvious violation, but the small, discreet nail in the tire of your car that. You know that nail; When you pull out of the driveway you do not even notice it and then, ten miles down the road, you are sitting there stranded with a flat.

When hunting for the dissonance in your brand, it's best to start small. Begin with the little things your customers – and staff – see every day. Let's start with your receipt.

Most business gives out some type of receipt. Does yours thank the customer? Does it have your phone number or store location? How about your logo? Your website address? Is it something you are proud of, utilitarian as it is? Pack as much useful information on your receipt as is prudent, because it is a little whisper to the customer that you care about about them to make your relevant info available and at their fingertips should they need it.

For most customers, that receipt turns into a scrap of paper very quickly; But for those few that need the information, even …

Is not it funny how easy it is to loan other people money; Yet how difficult it is to persuade someone to give you money back? But I guess if you're the one who has had to shell out the cash, this is not so funny at all.

Unfortunately, this sort of situation happens to people all the time. If you do not want to end up losing the money forever, you're going to have to learn how to repay someone to give you money.

But how are you going to do that? Is there some sort of ethical procedure? Nobody ever told you that extracting the money would be so hard. Luckily, this article will teach you what you need to know about how to convince someone to give you your money back.

1) Ask for it.

Have you ever tried asking for the money back? I know you might feel a little awkward doing it, especially if you loved the money to a friend or a relative, but it must be done. Make sure you include a good reason for wanting it now.

And if we're talking about friends and relatives, you should not even have to ask for the money back. They should have returned the cash that they owed you at once. Unfortunately, that is not always the case.

Be assertive. Sometimes, they have to be reminded that what you saved them was a loan and not an early Christmas present.

2) Give the person a job.

Sometimes, a person can not pay you back because they do not have any way of earning money. One way on how to persuade someone to give you your money back is by helping them generate the money for it.

Need help around the house? Sometimes that person can pay you back in service. Or hook that person up with a job somewhere. This might not be the most convenient way to get your money back but sometimes, it is the only way.

3) Use the law of expectation.

Tell them how you appreciate them for always keeping their word; And then a few moments afterwards, ask for the money. They would do what they can to fulfill your expectation of them.

4 Seek legal help.

Perhaps the last option on how to persuade someone to give you your money back is to ask for legal assistance. This should alert the person who owes you money to take you more seriously.

The whole ordeal will be to your advantage if you have some sort of written agreement that that person owes you money. Take the whole thing to court if you have to.

Of course, doing this also has consequences. You may find your relationship with that person constrained once the whole thing blows over.

Learning how to persuade someone to give you money is often a trying experience. Consider it a lesson learned and next time, you'll know who you should not lend money to. …

Look at today’s blazing hot sailboat market, and you could find some super deals. But buyer beware! The real cost of owning a sailboat could be more than you think. Follow these easy sailing tips for a reality check on what it might take to get a small used sailboat ready for coastal or offshore sailing.

Take “Time Out” for This Reality Check!

Imagine that you are out for a stroll around a marina and come across a boat that catches your eye. You run over to the brokers quaint office next to the marina dock and ask about the boat. You can bet on hearing all the good things and the price just can’t be beat.

Before you do one thing more, count on an additional 33% and 50%. This assumes that the sailboat in question has no hidden damages and can pass a marine survey.

Let’s pretend that you walk back to the boat with the broker and conduct a quick once-over survey of the boat. All seems well; no glaring leaks inside the cabin from the portholes or hatches. No excess water in the bilges.

The engine appears to be well taken care of and starts, shifts, throttles, and stops smooth and easy. Her sails, running rigging and standing rigging seem to have good integrity, without breaks, bends, cracks, distortion, abuse, or neglect. And her boat anchor and ground tackle are in good shape, well cared for, and show minimal signs of deterioration, rust, or corrosion.

Add 33% to Get Her Ready for Coastal Cruising

Plan to spend an additional 33% on top of the purchase cost to get a sailboat ready for coastal cruising.

Hull, Deck and Rigging

Older sailboats may have hull problems such as blisters or water intrusion into the core (wood sandwiched between specific areas on the deck to stiffen and strengthen the deck). Older boats may need running rigging replaced if it has become chafed, worn, or sun damaged.

Part of the standing rigging may need to be upgraded. A surveyor will be able to test the metal integrity of wire shroud and stay ends and turnbuckles to determine if microscopic cracks are present. After years of use and exposure to spray and rain, this can be a common defect on used sailboats.

Sails

Upgrade or add to the sail inventory. No matter what the advertisement says, 8-10 year old sails are past their prime. Stretch, wear, UV light take their toll. At the least they will need a major overhaul. And you may need to replace one or more sails. Consider that on a 27 foot cruising boat, the typical mainsail can cost more than $1000 dollars. That’s labor, additional reef points, and materials. Save lots of money if you learn to repair or make your own sails.

Anchors and Ground Tackle

Beef up the ground tackle. Nothing adds more to the overall safety when sailing than your boat anchors. Carry at least three for coastal cruising. Ground tackle will include …

What Is Auto Insurance?

Auto insurance is a product that is purchased and also that can pay for damages to your vehicle or others' vehicles in the event of a car accident or non-accident related harm. Each state has its laws regarding the amount of car insurance that each person should have to be able to drive legally. Many different factors influence auto insurance rates, as well. It does not even base on various companies; It is up to the insurance industry to determine what car insurance is and how much each person will pay for auto coverage.

What is car insurance? It seems like a very fundamental question. However, there are many different facets and elements to consider about car insurance that it can get complicated very fast if you're not prepared for what you're getting in. You need to know how rates are more calculated what types of coverage are available, how much coverage you need or can get, and which companies offer the best auto insurance for your needs.

What Does Auto Insurance Cover?

Auto insurance is used to protect you the individual or a business or organization from financial loss in regards to a motor vehicle. Financial loss can happen due to many reasons, and having auto insurance can cover your losses in a variety of ways.

Liability for Property Damages

Responsibility for property damages is coverage against damage you or a person driving your vehicle with your permission does to someone else's property. Costs can include the other vehicle, utility poles, fines, buildings, homes, businesses, or almost any type of structure your car comes into touching.

Collision

Collision coverage usually protects your vehicle from damages resulting from an accident with another vehicle, pothole, car flipping over, etc. Collision coverage will pay for repairing your vehicle, or if your vehicle has damaged the accident, it will refund you for the value of the car subtracting deductible and in many cases other costs.

AUTO INSURANCE IN THE USA

Auto insurance is a necessity, and this is amply evident from the fact that all states of the USA have made it mandatory to have car insurance on all vehicles. Most of the time, this appears to be aothersome exercise, but why to wait until you get involved in an accident to find out how taking an auto cover takes care of your assets and you. High medical expenses and lawsuits judgments on the rise make it worthwhile to protect yourself and your precious vehicle with car insurance.

Furthermore, all jurisdictions have made it compulsory to have two auto insurance systems – the no-fault system, and the Tort system. The former type of insurance favor in most states dictates that your insurance carrier will pay the damages claims no matter who caused the accident in reality. The amount payable is up to a specified limit, and if you are involved in an accident, your carrier is liable to pay for the injury. As against this, the Tort system the …

Good advertising is the key to making any business successful. Without it, a business would have to rely solely on word of mouth to become successful. They would have to start out small and please customers who in turn will tell others that they know about the business. Word of mouth is some of the best advertising. However, a business will grow too slowly if this is the only means of advertising. Placing advertisements is one of the best ways to make money online.

One of the best ways to make money online is to offer customers free information. You may think that it is counterproductive to offer people something for free. However, many people perceive anything that requests for money upfront to be a scam. They are less likely to pay for information if they do not know what they are getting into. Therefore, if you offer them basic information for free, they are more likely to become interested and be willing to spend some money to learn more. The more people you have requesting information, the more prospective customers you will acquire.

Many people do not understand that making money online will likely require paying out some money of their own to start. There are many people who want to be able to make money without spending any of their own. They are essentially looking for that get rich quick scheme. There is no such thing, however. The old saying, "it takes money to make money" still rings true today. One of the most important ways in which a new entrepreneur can make money online is to spend some money in advertising. There are ways in which a person can advertise for free but these methods are not always as effective. Purchasing advertising space in magazines and newspapers can be a little more expensive but they will reach more people which will mean more money for you.

It is important for a new business owner who is trying to make money online to find an avenue that will create the largest interest in their company. It is important to find advertising space that fits what you are offering. For instance, you would not want to advertise in a home improvement magazine if you are offering pet related services. You want to find advertising space that directly correlates to what your business is offering. In addition, you will also need to find advertising space that fits within your budget. You can always expand your advertising once the business gets going so do not be afraid to start small.

There are many tricks and tips to making money online. Knowing the right way to advertise to maximize your e-learning potential is very important to creating a successful business venture. There is a little bit of trial and error that is involved with advertising. Different things are more successful with different businesses. It is important to try various different things to find out what works best for your business. …

Saving money is making money! However, you simply can’t save your way to riches. So, it’s important to save money and earn money at the same time! There’s plenty of ways to do both of those wisely but this article is just going to be about saving money! I will cover the earning a substantial amount of income easily portion another time.

There’s a plethora of ways you can save money! My personal favorite is memberships! So, what are some good memberships to begin saving a substantial amount of money each year? I will list 3 awesome membership types below but first I am going to list a few features or benefits that you should look for before purchasing a saving money membership.

Features And Benefits

  1. Variety – You should look for a membership that can save you money on a wide list of things. You don’t want to invest in a membership that allows you to save money on just one thing unless you purchase that one thing religiously, such as gasoline! Look for a membership that will allow you to save on almost anything that you use on a daily basis.
  2. Big Savings – Once again, you can’t save your way to the top. So look for a membership that has big savings! It’s very possible for you to save thousands of dollars each year, so don’t settle with a membership that only saves you hundreds each year!
  3. Return – Any membership you get will likely cost money! You don’t want to invest money into a membership that will never reward you back what you had paid or are paying! Make sure to calculate the numbers and see if the membership you’re looking into will give you a return on your investment!

Awesome Memberships

  1. Warehouse Memberships – Why would you buy a small package of toilet paper if you can get a large package of the same brand for the same price as the small? Buy in bulk with a warehouse membership! Yes, most of these memberships require an annual fee but that’s for you to decide if you’re saving enough money each year to balance it out! If you are single and live alone with no kids, you probably don’t need this membership. However, if you are married with 3 kids you most definitely should consider and look into getting one of these memberships!
  2. Grocery Memberships – I can only assume that most people purchase groceries on a regular basis. Look for a membership that allows you to save a good portion of money on all of those groceries! This is probably one of the best memberships you can purchase! If you buy food, this membership is for you!
  3. Fitness Memberships – This is a good membership for anybody! Even if you aren’t currently active physically, there’s a good chance someday that you will be! It’s never too late to start! You can look for a gym membership in which will save you money or even for

Here is some good health insurance help for people who want to apply for a health insurance policy, but do not have any knowledge about health insurance. However, before discussing in detail about health insurance plans, let us observe why health insurance is important.

A need for health insurance plans has arisen due to rising medical costs. It is impossible for individuals to bear all expenses on their own during certain situations when unplanned health expenses creep into their budget. Therefore, it is necessary for people to opt for ideal health insurance plans.

Types Of Health Insurance Plans:

When individuals approach any health agent for health insurance help, insurance agents suggest four types of policies to them. They are as follows:

Major medical plan:

Major medical plans are those plans in which individuals need to pay deductibles to health coverage companies to obtain benefits. Deductibles are nothing but a part of the amount, which people have to pay while applying for a policy. Later, health insurance firms pay about 80% of medical bills and insurers have to pay the remaining 20% ​​of billed amounts.

Buyers may select any doctors to get medical services and pay fees to these doctors directly. However, they need to obtain a bill and furnish it to the insurance companies, who in turn reimburse 80% of the bill amount to the insured. This type of health insurance plan is a traditional health plan.

HMO plan:

An HMO (Health Maintenance Organization) is a type of health policy that focuses primarily on life long health care of the insured. This plan is more affordable than the major medical plan. People need to select their doctors from a list of doctors furnished by insurance companies. These doctors provide medical services to them. If required, they also co-ordinate with other specialists and hospitals, to provide the best available health service.

As a result, most people across the US prefer this type of health plan.

PPO health plan:

PPO (Preferred Provider Organization) is similar to an HMO plan. Health insurers refer in-network doctors and insured people refer their own out-network doctors. Here, people may choose in-network or out-network doctors as per their wish.

However, if people choose out-network doctors they will have to shell out a huge amount as fee because in-network doctors charge a reasonable amount. Whether insured people choose in-network or out-network doctors, health companies pay only 80% of the medical bill amount to insured people.

POS Health Plan:

POS (Point of service) health plan has properties of both PPO plan as well as of HMO plan. Here, people need to select the doctors reported by insurance companies. However, people may then seek treatment from out-network doctors after informing and taking permission from their in-network doctors. This plan is slightly more expensive than other health plans.

Thus, refer to this health insurance help and choose the best health plan to cover the medical bills so that the unexpected cost does not hamper the monthly budget. …