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In today's society, having a home based business is as easy as ever. From child care facilities, to made-to-order baked good enterprises to online shops, it certainly looks that practically everything fits into the home business box!

But while business at home may be booming, for many entrepreneurs, something is definitely lacking. Erroneously believing that the standard homeowners insurance will cover them for any liability that could exist, these businessmen may actually be sitting in a booby-trapped illusion – just waiting for the accompanying risk exposure to explode into possible financial destruction.

For the most part, typical Homeowners coverage (or policies prepared for condo owners) will not comprehensively protect the business that is located within the concessions. Created to conform to standard home liability situations, this form of insurance has definite limitations in terms of home business coverage.

The following insurance claim cases serve to illustrate the matter in a question and answer form.

Q: What happens if a fire damages the inventory of a online business operating out of the owner's house?
A: A tailor commercial insurance policy will cover the loss up to the business personal property limit.

Q: Will the home business plan protect the business owner from general liability like a trip and fall incident with a customer?
A: This form of a business policy will definitely cover the loss – something that otherwise is excluded from the owner's general homeowner's policy.

Q: What about business equipment within the home where the business operates. Are related pieces of equipment covered?
A: If something like a theft occurs, the Home Based Business policy will provide a recompense to replace any item, up to the limit of the policy.

Q: So what will happen in the event the business owner leaves his home business contracts for a trade show or other related commercial event? Will the coverage protect him at the alternate location?
A: Unlike a standard Homeowners policy, this form of indemnity will protect the based business owner for a mishap like a trip and fall incident even away from the home business premises.

Q: If the business that operates out of the home is registered as a corporation for tax purposes, will the business policy designed for operation out of the owner's house cover him or her for any related losses?
A: Opposed to a standard Homeowners policy that will not protect anything other than what is specifically owned by the policyholder, this commercial insurance will cover property losses.

For further information about insurance for the business at home or commercial auto or delivery truck used for home based business, contact a reliable independent insurance agent. …

If you’re a soccer bettor who’s serious about making money, it is natural to look for the best soccer betting tips. You will find a lot of information about that on the internet that gives you the basic soccer betting tips. These tips are quite elementary, and therefore you will need more sophisticated tips to ensure that you are able to consistently make money through soccer gambling. Here are a few things that are worth considering –

Research online

This is fast emerging to become the favorite especially among the beginners. You can leverage the power of the internet as you can get lots of tips, statistics and updates from espn.com as an example and keep yourself informed at all times.

Besides, actively participate in some soccer betting forums will definitely help you widen your horizon because you can find many experienced bettors inside who can give you lots of precious ideas on betting on which team. These people can sometimes give much detailed analysis and accurate picks than the so-called soccer experts you saw on the tv.

Reducing risk by betting at halftime

This is especially valid for beginners with poor knowledge of soccer or those who do not want to risk too much. Your return will be less if you bet at the halftime, but in this case you are more likely to make money, though slowly, as you can see the progress of the match in better light.

Considering the draw

This is an often overlooked option because it doesn’t sound as exotic as a winner. However, you will be surprised at how many times you can make a good amount of money through much reduced risk by this method. Therefore you can get some really favorable odds from this method.

The above tips are the next step in betting, as compared to the various elementary tips that beginners need. These should help you improve your chances of success and help you make more money. However, if you really want to make consistent money at all times, then you will definitely need the help of a proven success soccer betting expert who is willing to tell you his winning formula and system.

Your brand is everything.

How you market it is key to your success.

For many years a tagline has been seen as a vital ingredient in your brand’s marketing, regardless of your company’s size.

Those all important well-chosen words sum up your brand’s promise and values, but is it still relevant today?

If you look at some of today’s giants, such as Amazon, Apple, eBay and Google, they don’t really have taglines and instead rely on their logo.

Admittedly, the chances of your business commanding the same kudos in your industry is unlikely (you don’t have their marketing budget for a start), but if they can go tagline-less can you?

The trend is that more and more companies are moving away from them, but is that because the vast majority of taglines are, well, not to put too finer point on it, bad?

What’s the value of a tagline?

Advertising is moving away from selling.

Blatant sales pitches don’t cut it any more (did they ever?).

Consumers want to be wooed; they want to be shown how great their life will become if they buy your product. In other words, your marketing has to be all about them and not about you.

The inclusion of a tagline however, creates a hook that attached itself to their mind permanently telling them:

  • I’m lovin’ it – McDonalds
  • Just do it – Nike
  • We’re better connected – 02
  • Every little helps – Tesco
  • It gives you wings – Red Bull
  • The make-up of make-up artists – Max Factor
  • 8 out of 10 cats prefer it – Whiskas

The best taglines can evoke memories – who doesn’t remember the Frosties, They’re Grrrrrrreat!?

It instantly conveys what your brand stands for and your customers’ attitude towards it.

Creating a winning tagline

Only time will tell if you’ve come up with a cracker, but here are a few tips to try and get you on the right course.

  • Do you want it to reflect your values or your product/service?
  • Does it reflect the emotions and feelings of your customers?
  • Does it gel with your businesses ideology?
  • Use simple language without any jargon
  • Will it date quickly or does it have longevity?
  • Is it memorable?

What that basically comes down to is whether it adds value to your brand?

If you’re really struggling to come up with something perhaps it’s worth going to market without one.

In time, as your business grows and you understand it better (and your customers), you can always do a mini rebrand exercise and introduce one.

When I started out mine was “Powerful. Persuasive. Creative”, but after my last rebrand I dropped it all together.

So the answer to the question does your business really need a tagline? is it’s up to you. There are no hard and fast rules, just go with what you feel is right.…

Life insurance companies are the most profitable businesses these days. Moreover, companies selling policies are among the most influential corporations in the world.

These well-known and biggest companies provide affordable policies that benefit consumers. Economical stability of the insurance industry helps these companies to make the most of the consumers’ money with an attractive cash return.

Metropolitan Life Insurance Company (MetLife), Transamerica Occidental Insurance Company and American General Insurance Company (AIG) are some of the recognizable brands in the United States. These companies deal mostly with life insurance. They handle both term and whole life insurance policies in an easy and comfortable manner.

Details on These Giants:

All the biggest companies work with similar principles. They provide life coverage policies to fulfill the needs of the customers. However, they differ in their coverage plans and terms.

Metropolitan Life Insurance Company offers definite service factors, simple policy administration and reliable operations. They offer the best solution and service, in case of financial planning. MetLife handles $2 trillion worth of policies and therefore, is considered as one of the biggest insurer in the United States. MetLife provides financial holding with a countrywide-chartered bank.

MetLife also offers services in Asia and Europe, and serves customers as a part of Reinsurance Group of America. In 2005, MetLife received the certification of biggest life insurer in the United States, with the implementation of traveler’s life and allowance group. MetLife offers both term and whole life policies at a cheap rate and avoids rider.

According to the press releases, American General insurance Company is another of the biggest insurance company in the United States. The company is a worldwide leader in financial service that deals with insurance, retirement planning and investment. This company is spread internationally all over Asia, North America, Europe, Latin America and the Middle East, as AIG (American International Group).

AIG provides savings on life policies at affordable rates. Online quotes offer an effortless and hassle free shopping option to their customers. AIG plans include term life, whole life and universal life insurance coverage. However, their term life policy is the most widely used as compared to others.

The Transamerica Corporation is the parent firm of various life insurance and investment companies. Among these firms, Transamerica Occidental Life Insurance Company is the biggest insurer. They also handle affordable policies, including term, whole and universal.

Conclusion:

All the above listed companies sell these policies at affordable rates and assure security to their customers. These qualities make them the giant figures in the industry. These companies earn huge profits from the premiums paid by their customers.

These premiums are termed as float and the status of float, leads to the life insurance company’s success. Certain financial rating companies such as A.M Best, Fitch, Diamond Bond, and Standard and Poor evaluate the status of these companies annually. Their findings show that, MetLife, AIG, TOIC and Prudential are the four biggest companies.

People often choose one of these big companies for security it offers compared to lesser …

At some point, everyone’s going to wonder: “How can I make money fast?” As luck would have it, there’s a good answer. These days, there are many ways to make money online, some fast, some not so fast. Here are the 3 best ways to make money online fast that require no money from you, you don’t’ have to buy anything, you don’t have to subscribe to anything.

1. Write content (aka articles)

2. Write blog entries

3. Take surveys

Make Money Online With Articles

Website owners are in constant need of content. It helps them get found in Google, Yahoo, etc. and it gets people to visit their site again and again. Constant Content provides them with what they need. Constant Content provides you with two ways of making money. You write articles, and when someone picks your article, you get paid. Or your write articles upon request. They pay from $5 to as high as $500, depending on the subject and skills required, $50 being a fairly typical. The payment varies depending on expertise required, subject matter, your skills, etc.

Constant Content’s articles are short, most are 300 – 500 words, so it’s not hard to write several a day. So even if you don’t get paid that much per article, you can still make real money. You may be surprised to see how easy it has become to earn a part time income through writing for Constant Content.

Make Extra Money Online With Blog Posts

Forum content providers pay you for posts. If you’re the kind of person who searches and posts on forums anyway, this is great for you. The pay is $0.10-$0.15 but postings can be very short, as short as 25 words. Paid Forum Postings and Forum Boosters are good places for this kind of online money making opportunity.

How many posts can you post in an hour if they can be as short as 12 words? 60? 70?

It’s not a lot, but you can do it anywhere and at any hour of the day. You can do it in brief intervals, between classes, between taking the children to school and cooking lunch, while waiting for your girlfriends to show to your weekly coffee pow-wow.

Making Money Online With Surveys

Companies need to know what current or potential customers think. They’re willing to pay good money to know. Cash Crate gives them what they want. In order to do that, they need people like you, people to take surveys. The pay is usually $0.50/survey. The surveys don’t take too long to complete, about 2 minutes. There are surveys that pay more, but they cost either money or you have to install software or some other way. If you’re interested in the product anyway, that’s fine, you get it and make money for getting it, $8, $20, $40, or whatever.

These are the best of the best ways to make money online fast with no money required to invest.…

Online internet marketing is probably one of the best ways to make money in today’s challenging world. You can start your own business and develop it as you please and make some money within a short time. If you are brand new to the online business set your self an internet marketing goal and watch your income grow over the years.

In today’s changing world, money from ordinary jobs (eg: builder, factory worker, etc.) has become harder and harder to find. Most manual workers in the USA earn less than $26,000 a year. Most people need to use the time they have free outside work to generate another income. Look, I like football, baseball, tennis and socialising as much as the next man but is that earning you an extra income? No, probably not!

Businesses and booming thanks to online internet work and this will happen for years and years to come. Self Employed business owners have a great advantage as they are self motivated to start with. The first thing that you will want to do is to geo target an area in which to promote your business. You can use devices on your PC to determine how different people get to your website and potentially buy. Using this kind of marketing will be beneficial in the long term.

Social Media sites are another great free way to market your business. It seems that most of the people who use the internet these days have a profile on at least one of the major social media websites and you will have the ability to go on and create your own page that will advertise your business that can be used to bring in potential customers. Make sure that it is catchy and attractive and will make people want to choose you over other businesses. You can also start your own blog for free that you can use to draw in customers as well.

It just takes some simple learning and patience to learn these new techniques within a short space of time you can add perhaps $1-2-300 a month then a week to your total income. Think of what a life changer that could be. If you take the time to learn how to promote your business properly using the correct advertising.

There are many different types of advertising that you can do when it comes to internet marketing most of which will not cost you anything. It will take a little bit of time on your behalf but it will be more than worth it in the end. Make sure that you do your research so that you will be able to find the methods that are going to work best for you and the type of business that you are in.…

Auto insurance is a type of general insurance under which you will be protected against any unforeseen situations. This insurance protects you from any kind of financial distress if in the case of an accident or theft or loss of a vehicle or in any of the described events in the policy. You simply got to meet an auto insurance provider to avail this facility. Once you meet the service provider they will explain you various types of auto insurances available with them and the premium you have to pay, the term of the insurance, benefits, and riders if any.

Knowing all these details is enough to go for auto insurance; however, it is always advisable to read the policy documents properly before signing the documents. It provides property, liability, and medical coverage. Property coverage provides protection against theft while liability coverage protects against any legal responsibilities which are to be performed by you. On the other hand, it also provides medical coverage in case of any injuries and sometimes lost wages and funeral expenses.

In any of the above-stated conditions, both your family and you will suffer huge losses if you do not opt for auto insurance. Opting an auto insurance is compulsory if you are buying certain kinds of vehicles, under which your initial premium will be added to your vehicle’s cost and subsequent premiums can be paid either online or offline. Generally, any auto insurance will stay active only for six months or a year; your insurance provider will intimate you before the expiry of a particular policy.

You can renew the policy if you want to continue with the same one or else you can go to a different service provider. There is an option of modifying a particular policy as per your requirement. You can add few more benefits to the existing policy for a minimum additional premium. These additional benefits are termed as riders which are intended to protect you from any additional distresses.

The insurance is applicable to any kind of vehicles like car, two-wheeler or commercial vehicles. The premium amount varies depending upon various factors like insured declared value, type of vehicle, the age of the vehicle, fuel type, the age of the insured, etc. Opting for auto insurance not only cushions you against financial distresses but also supports your family in case of any misfortune. The small penny you pay today will protect you and your loved ones from the large loss that could potentially weaken you physically and psychologically.…

Cell phones are becoming increasingly popular due to many reasons. Today, you can find it in hands of a child as well as an old person. The reason behind its popularity is that they can be taken anywhere as they are portable, they are a good way of staying in touch with other people by mean of calls and SMS (short messaging service), and they have many other functions such as internet And camera, and much more. The old cell devices were big and did not have many functions as well. But now, experts are trying their best to give maximum functions in just one device. Now, the cell phones are launched in different styles, models, designs and colors which suit every person. Some are just for style while some are for work and business.

Cell phones have become an important part of everyone's life, but to make them work, a SIM Card is required. Some mobiles do not need it but the GSM mobile phones require them to function. SIM stands for Subscriber Identity Module. It is a very small microchip which is almost the size of a stamp that is required for posting something. In the cell phone, you can find it or place it benefit the battery of the cell phone. In a SIM, you can store all your important details such as contact numbers of different people. This way you can buy your new cell and simply put the SIM in it without losing the data.

The size of SIM varies. They come in three sizes. One size is the same size as a credit card, one has a thickness of 25 mm and 15 mm width while the third one is chamfered. Chamfered SIM is more popular and used more because they prevent the misinsertion of SIM in the required unit for the mobile device to work. The two SIM of smaller sizes comes attached in a card of credit card size which can be used in larger devices. If it is not used in larger devices but used in simple cell phones, then the SIM is attached to the card by small links which can be broken easily to take off the SIM and use it in the cell phone.

Some cell phones do not require a SIM card. They are specially made in such a way which has space for memory. In these mobile phones, you use special digit access 'NAM' for access to the memory. Once you have access to it, you can use any information stored there or even store new information. For security and for data not to be lost somehow, Service Provider puts a special lock on it, known as MSL (Master Confidential Lock).

There are also some cellular devices which have the capability of containing two SIM cards. This way the person does not have to keep two cell phones for two SIM cards. But naturally, they are more expensive than the normal cell phones. So when you …

One of the things that are guaranteed more than anything is that at some point drivers will lose their car keys. Luckily they are usually found fairly quickly after some fairly frantic searching, but for some it means calling out a specialized Auto Locksmith to get them back into their vehicle.

Auto locksmiths usually work on a 24 hour callout basis and can for a price be called out to practically any location within the UK. Because they are mobile workers they usually have the tools required to get into any make of car and sort out the problems you are experiencing fairly quickly.

Losing your car keys can be a real problem especially from a security issue if your car can be identified via your keys. If your car is stolen because you lost keys which readily identified it, then you could have serious problems with your insurance company paying out a claim.

The efficiency and speed of an Auto Locksmith when called out means this problem is reduced considerably as they are usually able to effect a change to the locks immediately plus get you back on the road. This also means that you don’t have the worry of leaving your car unattended knowing there is the possibility that someone is waiting for the opportunity to steal it.

One type of crime which is on the rise in the UK is car keys being stolen from homes and the burglars coming back at their leisure to steal the car. Calling an Auto locksmith out to change the locks on the car before it can be stolen is a priority and well worth the cost. It can usually also be claimed back on your car insurance.

So what type of car lock problems can an Auto Locksmith deal with? In the majority of cases just about anything would be the answer. They can repair the lock, change it completely, activate a central locking system that has seized up and even replicate your keys as needed.

Auto Locksmiths are able to replicate just about any type of car key; it’s always a good idea to buy a spare from a reputable Auto locksmith dealer in case of any emergencies that might arise. For instance some keys become “chipped” and end up not working; having a spare key solves a lot of the problems otherwise incurred.

One of the snags with modern cars is problems with the immobilizer built into it. These types of cars require a key fob to enable it to start and an expert Auto locksmith will have the skills required to clone the fob key for that particular car. Though relatively expensive, cloned car keys are an excellent deal as they are still a great deal cheaper than those bought through the car manufacturer’s dealership. They are usually prohibitively expensive when bought from source.…

Myth # 1. "I pay insurance premiums and if I am involved in an accident, I know my insurance company will take care of me …"

ANSWER : Insurance companies are not your best friends especially if you are involved in an accident, and it's not clear whether you are at fault or not. Remember, insurance companies are not in the business of paying claims, no matter what their advertising says. They are in the business of collecting premiums.

Myth # 2. My friend told me, "no-fault insurance means, it's not my fault"! Is this true? "

ANSWER : No, this is a false statement because no-fault insurance means that your insurance company pays for your damages regardless of who's at fault.

Myth # 3. "I do not need car insurance since I've never had or been involved in a car accident."

ANSWER : Wrong! If you've never been in an accident, you're very lucky. However, remember that an accident occurs every 10 seconds on our roads and highways and if by the unhunction chance you do have an accident you may lose everything. Not only is it required Car insurance is the best protection you can have in the event an automobile accident occurs. In addition, it is required by the State of Texas to have some basic form of auto insurance, and failing to do so carries some fairly strict punishments.

Myth # 4. "Since it was not my fault, I do not need a personal injury attorney even though I was injured."

ANSWER : Wrong! It is important that you talk to an attorney so that he can ensure you are aware of your rights and also not persecuted by someone else's lawyer.

Austin car accident attorneys will help you:

– Evaluate any bodily injury claim to determine the amount of money to which you are entitled;

– Speak with your doctors, obtain your medical records, and billing statements so that we can notify medical care providers as to what to bill;

– Have an investigator interview witnesses, take statements, and photograph the accident scene and your vehicle;

– Resolve complex issues and negotiate an overall settlement; and

– File a lawsuit, if necessary. …