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Month: August 2019

Business Success Tip – Never Stop Learning

Business owners sometimes have a hard time with change. Setting up a business takes a ton of work to begin with and changing the way you've decided to do business means even more work. Chances are, when you set out to start a business, you did not do it because you were interested in making your life as tedious and laborious as possible. On the contrary, you wanted to do something you loved and were good at and make some money from it. Unfortunately, change is the only thing anyone can count on in the future. The good news is that the more open you are to changes, the better your business will absolutely be and the easier it will become both to do business and to keep adapting. Cultivating a love of learning and a willingness to apply it is the single best thing you can do for your business.

Learning new things everyday and staying on the forefront of technological and business trends will help you keep your business relevant and competitive. Learning as much as you can about your industry, business in general, and your customer's wishes may inspire you to make changes in your business, and making these changes might not be fun or easy, but every time you make a change and learn from the out, your business becomes a sleeker and stronger. Also, many of the technological innovations that appear every day are created to make business easier. So, if you can summon the motivation to make a change now, you can potentially save yourself a lot of time and effort in the long run.

Many of the largest companies in the world are able to remain viable because they are willing to make necessary and sometimes painful changes to their structure and business model. Bill Gates is the CEO of one of the largest and most successful companies in the world and he is a self-proclaimed lifelong learner. He attributes his success to his desire to learn new things all the time and his willingness to make changes based on his learning.

If you stop learning, innovating, and advancing, you fall behind; because the rest of the world is thundering on like a juggernaut and they have no problem leaving you and your silly little company in the dust – more cake for them.

If you can learn to love learning, your responsibility to stay on top of business trends will be met with ease. Then, you need to be humble enough to open your mind to the possibility of changing the way you live and work for the better. Easier said than done, I know, but not only is it helpful to your business to keep learning, it's absolutely vital.

Success Tip: Never Stop Learning (employees)

We've been admonished our entire lives to learn. From the time we enter kindergartens to the time we graduate from college, our main purpose in life is to consume information and regurgitate it on demand. The …

A Guide To Life Insurance Settlements

Individuals often allow payment towards policies to lapse and lose amounts due to them even after money has been paid to insurance companies over the years. One of the choices that a customer has, is to cash in the policy and get cash surrender value, that is the amount which has been previously paid over and above the interest. Second choice may be to sell the policy to a bank or some other financial institution. These buyers provide cash settlements that exceed cash surrender value of policy. This cash payment is termed as a life settlement.

Generally amounts earned through life insurance settlement are much higher than the surrender value of the policy. More people are becoming aware about life insurance settlements. Brokers who bid and deal for various life insurance settlements are popularizing such a trend. Companies that are into buying life insurance settlements basically look for a policy that belongs to senior citizens above the age of 65. Such policies fetch a good value in the market, but this is valid only for individuals who may be keeping good health.

Treatment for illness could be expensive and a financial drain to a person. Viatical settlements provide financial support to families and provide comfort at an emotional level too in case of serious diseases. Such settlements allow individuals to use present day values ​​of their policies and cash them to reduce financial pressure. These settlements are legally recognized and value obtained for such claims are equal to their face values. There are various limitations involved with Viaticals sales as method of settlement depends on the state involved. Therefore, anyone considering a Viatical settlement should consult legal professionals.

Also before finalizing a Viatical settlement, policyholders can reconfirm various deals offered by insurance companies to check who offers the best deal. Some policies offer cash value apart from death benefit and accelerated death benefits that can offer access to cash. If no feasible options are available, Viatical settlements may be an ideal option for terminally ill individuals and their families. …

5 Ways to Lower Your Homeowners Insurance Costs

The price you pay for your homeowners insurance can vary by hundreds of dollars, depending on the insurance company you buy your policy from. Here are 5 ways you can lower your homeowner's insurance costs.

1. Shop Around:

How many of us know whenever we are getting a good deal on our home insurance policy? Shop around and comparison shop. You may be amazed at the savings that you are missing out on. Use the Internet, ask your friends, check the Yellow Pages or contact your state insurance department. National Association of Insurance Commissioners and get rates from 3-5 different homeowner's insurance companies.

2. Raise Your Deductible:

Deductibles are the amount of money you have to pay towards a loss before your insurance company starts to pay a claim, according to the terms of your policy. The higher your deductible, the more money you can save on your premiums. While most insurance companies recommend a deductible of $ 500, if you can affords to raise your deductible to $ 1,000, you can save as much as 25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} on your homeowners insurance.

3. Do not Confuse what you paid for your house with rebuilding costs:

This is the most common mistake that homeowners make when deciding the replacement value of their home. If your home is worth $ 150,000 and the land it is on is worth $ 25,000, then the cost to rebuild your house if $ 125,000. Do not get insurance for $ 150,000 as the land is not going anywhere.

4. Buy your home and auto policies from the same insurer:

Some companies that sell homeowners, auto and liability coverage will take 5 to 15{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} off your premium if you buy two or more policies from them. But make sure this combined price is lower than buying individual coverage from two different insurance companies.

5. Improve your home security:

Adding smoke detectors, burglar alerts or dead-bolt locks can drop the cost of your insurance by 5-10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}. Adding a sophisticated fire and burglar alarm that rings at the police, fire or other monitoring stations can also save you 25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} -33{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} on your homeowners insurance. …

Making Money Online – Explained – 3 Powerful Steps to Successful Money Making in Online Business

Internet Marketing is a step by step process; these steps are powerful because without them your business will fail! The 3 Powerful Steps involve keyword research which is basically carried out in 3 Steps:

Step 1- Create a List of Keywords

The first thing that needs to be done is to find broad keywords related to your niche or topic, search for different words with similar meaning within this broad keyword list.

Step 2- Identify the Profitable Keywords

What needs to determined is whether the keyword you searching has any money making potential. If you don’t get this first step right at the start, you most likely will find that everything else you do will just be a waste of time. Profitable keywords are the foundation of building a profitable business. This important powerful second step is one of the reasons why so many online marketers fail to make money online.

Step 3- Measure Your Competition

The third step in to scale your competition. Google Search results can be somewhat misleading; most people tend to believe that the competition for a particular search is too competitive. This is not true.

There is a not so well known technique that can be used to locate the best money-making keywords … these keywords believe it or not are these are ones most people avoid because they think that there is too much competition.

Most people online overlook these steps.

So to join the ranks of successful marketers implement these powerful 3 steps in your marketing strategy, combine these powerful 3 steps into your marketing strategy you will well on the way to successful money making online business.…

Comparing California Home Insurance Costs

Rates for home insurance in California are calculated by the insurance company that provides the policy. They are not set by the state, but the state government must approve rate requests. Here’s what you can do to compare residential insurance costs if you are a California homeowner.

The California Department of Insurance provides a premium survey on their Web site that allows you to get an idea of what premium you might pay for your residential insurance. You simply enter the area you live in — say Los Angeles Pasadena, then type and amount of coverage you want and the age of your home. The site then generates a list of premiums for that type of scenario from various companies.

However, this is essentially just giving you a ballpark comparison. It is very useful as a starting point, but what you really need to do is get specific quotes since your situation could be unique. For example, you may have a swimming pool, and a renovated kitchen. The Insurance Information Institute recommends getting at least three different quotes to get a good comparison. You may even want more.

You can use the list of companies from the Department of Insurance site and start requesting quotes from the ones you are interested in. Make sure you provide the same information — requested coverages, deductibles, etc. — to each company to get the most accurate comparison.

Many people find it easier to go to an insurance comparison Web site. These sites allow you to enter your information once, and then they return several quotes back. The quotes are still customized to your area and situation; it just saves you some time calling or surfing the Internet and then filling out multiple online forms.

Once you have found a quote you like, check the financial rating of the company to make sure they are financially stable. Again the Department of Insurance Web site can help you here. They have a company profile tool which allows you to get information about a company such as financial rating and complaint history.

Also, be sure to ask about available discounts that can save you money, such as insuring both your home and your vehicles with the same company.…

Paying Much Less For Quality Home Insurance – Consider These

You can pay much less for quality home insurance if you know the ways to go about it. You need to make certain adjustments and put certain things in place in order to get more affordable rates. If you're really serious about paying less then consider the following as they'll help you achieve just that …

1. Does your house have fire escapes? If you do then make it known to your agent and see what discounts this will get you. Even with simple rope ladders for the upper rooms, you still could get some discounts. Make sure you have a fire escape unless you do not intend to benefit from this savings opportunity. And do not forget to ask your agent what your insurance company sees as a standard fire escape because complying with that assures savings.

2. Although you have the choice of insuring against every imaginable peril, you really do NOT need to. There are perils that will never happen in certain places. Knowing the climate trend of a place you can say with a level of assurance the types of perils that can strike.

It is wise to ensure you insure your house against every peril that has a reasonable likelihood of happening. At the same time, you may just be wasting your money if you purchase coverage for a peril that has never happened in your state's past records. Review your policy for only likely losses. You'll lower your premium by doing this if you purchased more than necessary at first.

3. You will lower your home insurance rate by up to 15{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} if you change to modern heating, electrical and plumbing systems. For example, the traditional fire place may be more romantic but it's however not as safe as a modern heating system. Building technology has improved in many ways to make your home safer. Make good use of them as they'll not only lower your home insurance premiums but add to the value of your house in several cases.

4. You'll get lower home insurance rates if you obtain group homeowner's insurance. You can confirm from associations you are part of since they may have obtained group discounts for home insurance.

However, before you apply this option, compare the rates you will get from such an association with what you will pay with another insurance company. This is because you may end up finding an insurance company that is ready to take less than you'll even receive with your association's discount. Shopping extensively will enable you get the best rates.

5. Do you know everything your home insurance policy excludes? They're things that the policy does not give you coverage for.

Before you start celebrating about that cheap offer, ensure that the exclusions section does not slash off things of great importance to you. Any home insurance policy that places you at risk is NOT really worth the paper it is written on no matter how inexpensive it is. Before buying make sure …

Proper Investing

Investing money takes time and patience, but the rewards are tremendous and long-lasting. By saving money long-term and preparing for life after your career is over, you’ll really put the “golden” in golden years. There are some things that you must know about investing if you want to make the most of your money and time.

Save or Invest?

Five years is the benchmark to use to determine whether to save or invest. There is a difference. Saving is more short-term, while investing is long-term. For example, if you are planning to buy a car soon, you’ll want to save a pre-planned amount each month in a basic savings account. You’re just looking for a safe place to put the money, so don’t worry about earning interest. After several months, you can go buy the car (look for a good bargain and use the power of cash to get a discount).

On the other hand, if you have a 5-year-old child and want to start saving for his or her college fund, then you want to invest. If you are planning to retire in 25 or 30 years, you would invest money, rather than just save it. In terms of investing, put your money in good growth-stock mutual funds with at least 10-year track records. Put 25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of your money each in growth, growth and income, aggressive growth and international funds.

Why Invest Now?

The reason that you invest your money when you have a lot of time is just that: time. Over any given five-year period, 97{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the mutual funds on the market make money. Not only that, but the stock market has averaged a growth rate of 12{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} per year over the last 70+ years. Not only is time on your side when it comes to investing, but solid performance by the market is as well.

That doesn’t mean a solid growth curve of 12{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} each year is guaranteed. It means one year the market might grow 7{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}, the next year 10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}, and the next year 19{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}. That comes out to 12{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} per year, and since you leave money in an investment for several years or even decades, then you come out a winner there.

Let’s look at an example. If you want to retire at age 65 and start investing just $200 a month at age 45, you’ll end up with about $193,000. That won’t cut it if you’re going to spend 20 or 30 years in retirement and expect to live off the interest. If you begin investing that same amount at age 35, you’ll have almost $649,000. Better, but probably not good enough. If you start at 25, though, you’ll finish with over $2 MILLION! You’ll be able to retire with dignity, give money like you’ve never given before, have serious fun, and leave a huge blessing to your spouse and children.

You get out of investing what you put into it. The sooner you complete the first three Baby Steps, …

Back to Basics: Understand the Full Cycle of Business Development to Get More Contracts

My 7-year-old daughter, when working on a puzzle, knows to glance at the whole picture first, before starting to assemble the pieces. So, her process is to study the picture, and then find a corner piece to which she then starts adding pieces.

We, as adults, sometimes forget to take a step back and look at the whole picture first when we solve our own puzzles: how to grow our company, how to get a contract, or how to bring in revenue. This is why an important tip for winning government contracts is to step back and take a few minutes to ponder the full life-cycle of business development. This way we can be better at putting the pieces together.

The several steps below shows a typical business development life-cycle for a government contracting company.

Step 1: Strategic business development planning is the corner piece of the puzzle. It is necessary because it becomes your beacon when you start looking at a universe of opportunities. Businesses often fall into a trap of working without a plan, or writing the plan once, and then leaving it to collect virtual (and physical) dust while they are engaged in the routine day-to-day operations. The trick here is to stick to the plan that you keep up to date, and avoid jumping at every opportunity that may have nothing to do with the plan but seems attractive at the moment.

Step 2: Market research is the next step. It goes hand-in-hand with your strategic business development plan and makes the whole planning process somewhat iterative. In order for you to plan, you need to know which vertical markets you are going to go into, and who are your ideal customers. This leads you to more detailed research, which then feeds your planning process.

Step 3: Pipeline development is the natural outcome of your market research. Now that you know which agencies and which areas you are going to explore, you will need to zoom in further and develop a list of opportunities that you are then going to narrow down further and further as you learn more about them. These opportunities will be in the near term with a request for proposal coming out in 1-6 months, the mid-term – with an opportunity expected to open up in the next 6 months to 1 year, and long term – 1-5 years out. Some of the large and important opportunities may then make it into your strategic plan – and you may start calling them strategic bids or must-win opportunities. Marketing to the federal government is related to the overall effort of attracting customers to your company, and creating awareness of your brand and offers.

Step 4: Opportunity identification narrows down the list to the select few pursuits that you decide to dedicate a significant effort to pursue. Each of these individual opportunities then enters the capture phase.

Step 5: Capture management. Capture (yes, it’s what it’s called in the professional business development circles) often …

Using Federal Government For Small Business Loans

When you are in business for yourself, you need to realize that you have to take full advantage of EVERYTHING that is available to you. I understand that locating money for your business needs is not as easy as ordering a grant book from a guy on television with question marks all over his suit suit, but the truth is YOU CAN INDEED use the federal government to grow your small business.

The government backed loans that you want to look into is the Small Business Administrations (SBA) GAAP loan used for business expansion. Now, you may be thinking that obtaining Federal Government small business loans through the SBA would be rather difficult, but what if I were to tell you that 99.9{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of EVERYONE that applies gets the loan immediately? Truly amazing is not it. For many years, the Federal Government small business loans have been granted to the general public, it's simply a matter of locating the one that is best for you.

Getting back to the GAAP line / loan, there is not a better or easier way for you to fund your business. Here are a few of the points why it is such a good thing to go after.

1. It is an unsecured line, which means that there are no assets or collateral needed to obtain the loan.

2. It is quick. The approved funds can be in your account in 10 business days.

3. Extremely low interest rates, because they are government backed.

4. Almost everyone is approved.

The trick to obtaining these loans is to find them. We have made our business out of jus locating these sources and you would have surprised at just how many government backed programs are available. All are nationwide and you simply have to know the right person to contact and let them know what you need.

So to wrap things up …. Can you locate and use the Federal Government to fund your small business in the form of a loan? Yes indeed you can. …

How To Blog For Money – 5 Tips To Making Money With Your Blog

My guess is that people who come online asking how to blog for money really are reliably green to the blogging community. Let alone have mush experience about the online marketing arena.

No matter you are in the right place and I will reveal to you the 5 quick ways that will benefit you if you are a beginner or an intermediate blogger . Prepare to take notes and set a schedule to put these tips into action.

  • Monetizing From Google Adsense. One of the most preferred methods to monetize on all blogs is using Google Adsense. You see those text or colorful banners on some blogs? That is it. Basically, you just register for a free account in adsense.google.com to get started.
  • Putting Up A Donations Button. By that I mean you do not just beg for money or some pitiful penny by asking for it on your blog. It is an honorable thing. Your loyal readers who appreciate your contents will gladly buy you "beer money" out of respect.
  • Selling Text Link Ads. In order to be able to cash in on text link ads, you will have to morph you blog into a virtual "authority" on Google and that means people will pay you a fixed amount via this company to gain some text links. Its like selling some outgoing text links.
  • Promoting Affiliate Programs. Perhaps this method is already known to you but let me say that you must only promote programs in accordance with your content. Learning how to blog for money is the easiest with this method as you will learn how to market as well.
  • Selling Your Own eBooks Or Reports. While most bloggers actually give out free content on their blog you can use some of your posts that always revolves around about your product. This is useful if you are planning to create a simple 25 page report to sell at say, $ 10 per digital copy.
  • At the very least, anyone can gain enough knowledge on how to blog for money in less than a weekend. However, you will begin to increase your income if you also learn how to market products online by investing in some genuine blogging guides. …