If you have $40,000 dollars and are wondering how to invest it, you need to consider what you expect from an investment. Do you want a safe investment or are you willing to risk losing your $40,000? Do you want to grow your business? There are many different ways to invest money and there are many different ways to lose your money.

If you were to ask a millionaire how to make more money, they would tell you if you are really interested in making more money and being successful, the best way to do it is to reinvest your money. That means take the $40,000 and put it back into the business.

For instance, if you were flipping houses, and make a $40,000 dollar profit, purchase another house to flip. If you end up selling that house for $80,000 dollars, you just got back your initial investment and made another $40,000 profit. Every time you get your initial investment, you put that into something else, perhaps an account to draw compound interest, or another business venture, which serves to increase your wealth. The point is you keep getting the initial investment back and you have profit to keep the business going. It will not take you very long to turn that $40,000 into $1 Million.

Following this seemingly simple system has been the making of many millionaires. It is a quick, easy method that is simply a process of reinvesting in yourself, and who would be foolish enough to say that they would not invest in their own success?…

1 Phone Call

2 Email

3 Post card

4 Greeting Card

5 Flowers

6 Gift basket

7 Logo Merchandise

8 Magazine subscription

9 Livestock

10 Discount on next product purchase or future service call

11 Party

12 Lunch or Dinner meeting

13 Event tickets

14 Personal gift

15 Personal visit

With the end of the year coming up fast, many businesses are looking for a way to say to their customers “Thank you for your business”.

Here are 15 gift category considerations to assist you in choosing just the right thing to show your customer appreciation and to let them how thankful you are for their business.

Personalized Message

– Phone call – While this is not the best choice, it needs to be mentioned as with all the electronic communication that goes on these days, sometimes even just a real, live phone call can have special meaning.

– eMail – While this may seem to be an extremely insincere method of communicating a “Thank You” gesture, it happens all the time!

– Greeting card – This method is very popular because of its low cost, and general acceptance as a sincere form of acknowledgement.

– Post card – While not as personal, for many businesses this is still a preferred method. Just don’t send one from where YOU are vacationing from on the profits you made on their business!

– Personal visit – Nothing makes more of an impression, especially with a long distance business relationship, than to just show up in person and say “Thanks!”.


– Company logo merchandise – There are many was to show your appreciation of a clients business properly, and still leave a strong impact on the client while marketing your business. Yes, if you can think it up, a company can put your logo on it.

– Flowers – Depending on the client, flowers are an excellent choice as this gesture is widely accepted as a personal way to reach a client with your message of gratitude.

– Gift basket – There are so many wonderful ways to express your thankfulness with a gift basket, as each one can be custom tailored to a specific clients interests.

– Magazine subscription – This may not necessarily be your first choice, but what better way to show a client all year long that you truly appreciate the business they are doing with you, but it is a constant reminder throughout the year of who they ARE doing business with.

– Event tickets – Whether this would include such things as say a sporting event, a performing arts venue, or any other entertainment event occasion, this type of gift can make a very lasting impression if chosen correctly.

– Personal gift – This is probably the strongest way to show a client that you not only are grateful for their business, but that you are also appreciative of the personal relationship you’ve built between them and that you know them well enough to be able …

What is a fraud? An international trade transaction involves several parties-exporter, importer, ship-owner, charterer, ship’s master, officers and crew, insurer, banker, broker or agent, freight forwarder. Maritime fraud occurs when one of these parties unjustly takes another’s goods or money. In some cases, several of these parties act in collusion to defraud another. Banks and insurers are often the victims of such frauds.

The sinking of an over-insured vessel carrying a high valued non-existent cargo has been encountered at regular intervals. During periods of economic and political upheaval and depression in the shipping business, there have been incidents of unusual losses. In the last few years, these and other factors have led to a significant escalation in the number of incidents that can be termed as ‘maritime frauds’.

Types of Fraud

Maritime fraud has many guises and it methods are open to infinite variations. Majority of these crimes can be classified into four categories as under:

o Scuttling of ships

o Documentary frauds

o Cargo Thefts

o Fraud related to the chartering of vessels

Scuttling of Ships

Also known as ‘rust bucket’ frauds, this involves deliberate sinking of vessels in pursuance of fraud against both cargo and hull interests. With occasional exceptions, these crimes are committed by ship-owners in a situation where a vessel is approaching or has the end of its economic life, taking into account the age of the vessel, its condition and the prevailing freight market. The crime can be aimed at hull insurers alone or against both hull and cargo interests.

For example, a dishonest shower may approach am exporter and offer to carry his next large cargo shipment on his vessel. The exporter is to arrange the contract and the proposed buyer to open a letter of credit in his favor to pay for them. No goods are actually to be supplied or shipped, but the ship-owner agrees to supply bills of lading to show that the goods have been loaded on the vessel. The bills of lading together with such other documents as are required are presented to the bank negotiating the letter of credit. The banker pays against documents and not against goods. After ascertaining that the cargo description corresponds to the requirements as stipulated in the L/C, the bank, in the normal course of events, releases the funds under the terms of the L/C.

The ship, without it is by now paid for, but non-existent cargo, leaves port. It should not of course reach its destination, because should it do so, the missing cargo would lead immediately to the discovery of the fraud. To avoid this eventually, the ship is deliberately scuttled in a suitable location, so as to remove the evidence of the non-existent shipment beyond any prospect of subsequent investigation.

The ship-owner enters an insurance claim on his hull underwriters and he also receives a share of the proceeds from the letter of credit from exporter, leaving the hapless buyer to pursue an insurance claim for loss/non-delivery of his cargo.…

In today’s world, most of the people wish to earn a lot of wealth and prosperity in their life, for fulfilment of their desires. Sometimes they choose risky steps to gain sudden benefits and prosperity.

Lottery, shares, gambling, speculation are risky methods employed for sudden gains.While hidden treasures and unexpected inheritance also accounts for sudden prosperity and richness of the native.

Factors responsible for sudden and expected gains in astrology

· 2nd house: income, inflow of finances, Self earned wealth, worldly possessions

· 4th house: comforts, parental inheritance, assets, land, vehicles

· 5th house: sudden gain, lottery, gambling, speculations etc.

· 7th house: business travels

·8th house: shares, hidden transactions, other people’s money, dowry of wife, gain from in laws, finances through unfair means, inheritance

·9th house: easy gains, fate

· 11th house: accumulated wealth, fluctuating money gains

· Sun: sudden gains from royal or govt. sources.

· Moon: gains from liquid or glazy types of things, gains from abroad.

· Mars: Sudden prosperity from engineering, publications, police, landed properties agriculture, accounts, investment in medicines

· Mercury: sudden gains from intellects or creative nature of mankind

· Jupiter: gains from saints or bank men, rules banking shares, money, gold and other precious saleable items like diamonds and precious gems

· Venus: sudden gains from music, cinema, vehicles medicines, literary activities, scented items

· Saturn: Sudden money

· Rahu: trigger the unexpected events in the life, sudden gains from evil sources, fluctuating gains

Different combinations for sudden prosperity

· Sudden and unexpected gains are noticed whenever 2nd, 7th and 11th lords posited in ascendant and aspected by Jupiter.

· For gains in lotteries, speculations or for any sudden unexpected gains 2nd, 5th, 8th, 11th houses and their lords should be interrelated. Well-placed and well-aspected

· For financial status and gains, ascendant, 2nd, 9th and 11th houses and their lords should be considered.

· Strength of 5th house and 5th lord connected with the above is required for gains in gambling, speculation, races, lotteries, contracts, etc.

· Strength of 8th house and 8th lord connected with the above is required for gain in dowry, inheritance, wills, adoption, awards, prizes, secret wealth etc.

· Consideration of 4th, 7th and 10th houses is needed to judge the source and type of gains.

· Inauspicious houses and planets placed in them are consider for gains and accumulation in life (3/6/10/11th are inauspicious houses).

Different modes responsible for sudden gain in life:

Lottery and Gambling

· Strength of 5th house /lord is the important significator of gains in lotteries and gambling.

· The other significator houses for lottery gains and gambling are 2nd, 6th, 8th and 11th.

· Moon is posited in 5th house and aspected by Venus, indicates sudden gain from lottery.

· The 6th house/lord has an important role in gambling. If the 6th and 11th lords are together occupying 11th house, the native wins in lottery and gambling. The combination of the strong 6th and 11th lords is always good for gambling and …

There are a number of significant benefits for a small business owner to consider when determining if incorporation is the right path for their business.

We’ll discuss these main advantages below as well as touch on the downsides that incorporation brings.

To start with, lets cover what business incorporation is exactly. When you incorporate a business, you are, as far as the law is concerned, providing a formal legal separation of your own personal assets and those that belong to the business. In effect,your company becomes a separate legal entity in its own right.

What does this mean to you as a small business owner? In very basic terms it means that should your business hit hard times and go bust, you as the owner are not liable for the debts owed by the business, because they are owed by the business and not you. So once incorporated you can run your business in the knowledge that your personal savings and assets are not at risk.

For businesses with a short trading history, or a poor financial history or with few assets, most lenders will ask for personal guarantees to be signed to provide them with extra security. But as the business grows the requirement for personal guarantees will diminish, because the business itself will have more assets to secure finance against.

If you company fails after being incorporated, shareholders are only liable up to the value of the equity investment made, other than any separate personal guarantees that may have been signed. In other words you liability is limited to your equity investment, so you can lose your investment in the company, but beyond that your personal savings and assets are safe.

As well as the personal limited liability protection that incorporation brings, another significant benefit is that once incorporated it is often easier to borrow money or raise further equity investment to finance the growth of your business.

It becomes more straightforward to raise additional capital for a number of reasons. Incorporation signals to the financial institutions that your business is planning to be around for a long time and gives them a degree of assurance. Also, following incorporation, you business has set share structures making it easier to value the worth of the company.

Being able to value the company independently makes it easier to raise finance as the debt to equity ratio of the business can be analysed, and the share structure itself means that shares can be issued to raise new equity investment. Having a share structure also makes the transfer of ownership more straightforward should the need arise.

Amongst the downsides to incorporation are the additional statutory and regulatory requirements that you will have to meet, which can be costly.

Taxation should also be considered. The business structure and the way shareholders and directors are remunerated will determine whether more tax is paid or not following incorporation.

It is always recommended that you seek professional legal and financial advice before proceeding along the incorporation …

Today, businesses require effective business analysis in order to maintain competitiveness in a highly competitive business world. Effective business analysis involves taking information gathered from a variety of sources and analyzing for the purpose of forecasting future trends, finding ways to make improvements in business strategies, improving businesses operations, and making smart business decisions to improve the company’s bottom line. Understanding key marketing areas is essential to helping a business generate revenue and cut down on excess waste.

Business analysis can include market research analysis such as analyzing consumer data from such sources as transaction records, consumer surveys, polls…etc. It can also include financial analysis, inventory analysis, product and service analysis, and much more. Effective business analysis helps a business avoid making incorrect decisions that can result in time and money being wasted when going back to fix any problems as well as finding the right solution. The result of finding the right solution the first time is projects get completed in a timely manner, strategies are executed with the results benefiting the business, and there is effective monitoring of the project that allows for the best adjustments that results in the best outcome.

Effective business analysis allows managers to make sure accurate information is distributed and understood by the entire project team. With the correct information, the team is able to work together in an efficient manner to create a plan that has a higher chance of success. Today, there is effective business analysis software and applications that allows managers to not only keep up with current consumer shopping trends as well as forecast future trends. For instance, a supermarket that analyses and tracks customer purchases will be able to design and implement marketing strategies around their customers’ personal shopping habits. As well, data from surveys is another example of analyzing the information to determine the best way to market products and services.

It is not just consumer analysis that will benefit a business. Financial analysis is also important for a business. This can include analyzing budgets, cash flows, inventory costs, profit and loss statements, and balance sheets. By performing effective financial analysis, a business can identify spending waste and streamline operations to make the business more profitable.

Due to changing demographics and consumer habits, it is important that a business has a clear understanding of their current and future trends in order to meet changing consumer preferences. Fortunately, there is quality data mining software available that can help a business collect and analyze relevant data to improve operations and marketing strategies. As well, it helps identify populations and lifestyles including current and future behavior trends, and helps forecast future business decisions.

In today’s highly competitive market, you cannot run a successful business without understanding your customers as well as all facets of the company. Effective business analysis ensures the right decisions are made that will best benefit the business and mitigate incidents of unrealistic expectations that results in disappointments and loss of revenue. Effective business analysis allows a …

If you’re considering incorporating your small business you’re probably already aware of the main advantages, like protection of your personal assets. In this article I’d like to discuss some of the disadvantages of creating a separate entity for your business. There may be some negative factors you haven’t considered, since we’re not selling legal services we don’t mind talking about them.

Loss of personal Tax Credits

Incorporating your small business might not result in a significant reduction of taxes. As a sole proprietor you may actually be able to take advantage of enough personal tax credits, especially if you have a large family and low revenues. Corporations are taxed for every penny they earn. Unless you’ve got some amazing legal and financial resources able to shift money from one entity to another like huge conglomerates, your operation will be required to pay taxes on all earnings.

Reduced Tax Flexibility

Corporations have far fewer options than solo proprietorships for coping with business losses. For example: If as a solo proprietor your small business incurs operating losses you have the option of reducing personal income for that year. A corporation, on the other hand, is forced to carry operational losses to another fiscal year in order to reduce the entity’s income in previous or following years.

Owners of incorporated businesses are often liable for more than expected

Limited liability is of course the main reason many small business owners wish to incorporate. What no one tells you is that personal guarantees to secure financing often render the owners liable anyway. Smaller small businesses with limited assets often have as much difficulty securing operating loans as individuals. If your business has a considerable lack of assets lenders typically insist on a personal guarantees for loans from the owners themselves using their personal assets in place of the corporation’s. So in the end the owners become personally liable.

Registration expenses associated with incorporating a small business can be prohibitive

Another disadvantage of incorporating over sole proprietorships are initial set up costs. A corporation is a far more complex legal structure and the fees associated with their creation reach into the hundreds of dollars. Over time maintenance fees and increased accounting costs can reach thousands of dollars.

One more tax return to file each year

Just because you have a corporation doesn’t mean that you no longer have to file a personal tax return. The increased accounting fees add up and as mentioned earlier if your corporation loses money, you must continue to pay yourself the same salary and in turn pay taxes on that salary. In addition to an additional tax return as a corporation you’re required to maintain additional paperwork like, corporate meeting minutes and registers of the board of directors their shares in the company.

Before rushing off to form a separate entity for your company consider the seldom discussed negative aspects mentioned above and compare them to the benefits of incorporating a small business like yours to decide if you’re making …

A claim supplement is a claim for additional repair or replacement costs. Supplements are commonplace in the claims process. However, if you are a policyholder unaware of your policy rights, you could be walking away from hundreds or thousands of dollars that you are entitled to collect.

Claim supplements usually occur after a policyholder submits a claim, gets paid and gets the repairs or replacements completed. Then, additional damage is discovered some time later.

Many people erroneously think that, once the claim is closed, it cannot be re-opened. And, insurance companies and their adjusters usually don’t rush to tell you how to submit a claim supplement. So, what to do? Let’s look at car insurance claims and property insurance claims.

For any kind of supplemental claim, you must contact your insurance company and give them your original claim number. The best way to notify the company is in writing, sent Certified Mail. That way, you’ll know who signed for the letter. The insurer will have to re-open the claim. You might get the same adjuster as before, but maybe not.

Car Insurance Supplemental Claims

Lots of supplements happen when cars are getting repaired. Many times, hidden damages are discovered when the body shop begins dismantling the car. So, while the insurance company may have issued payment to the body shop from the original repair estimate, they will issue a second check for the supplemental repairs. Happens all the time, no big deal.

However, sometimes post-repair problems don’t show up right away. A good example is the Air Conditioning system. If you have a car wreck in July, you might not notice that your heater is malfunctioning until fall or winter. But when any damages are discovered that can be directly related to the original insured loss, you can submit a supplement. Simply document the damages and their cause and send the supplement to the insurance company. No additional deductible is assessed, since you already paid it once.

Property Insurance Supplemental Claims

Homeowners, Renters or Business insurance claims can find a need for a supplemental claim for some of the same reasons found in car insurance claims. Seasonal issues can bring up damages related to the original loss. But, some other issues might present themselves. You may have an expert’s report that shows additional damage attributable to the original loss. Your contractor may have found hidden damage that must be repaired. In any event, carefully document your claim and submit it to the insurance company.

Be sure that you are collecting all the money you are entitled to collect. Use supplemental claims whenever your claim requires it.

If you have experienced a property loss, whether fire, wind, flood or other, you need to know winning insurance claim strategies. The insurance company will not tell you the claims process, but I will. I will show you how to take control of your insurance claim, and add hundreds or even thousands more dollars to your claim settlement. For more information, go to the …

I will assume that this is a new home based business. Do understand that lending institutions look at a home based business a little more carefully than usual. So you want to make your case (file) very strong.

Think about this, if you have a home based consulting business and a bank lends you money. How easy would it be for you to just pack up and leave – defaulting on the loan. So it stands to reason that you should choose a business that is viewed as low risk by lending institutions. This brings me to the subject of SIC codes. SIC stands for Standard Industrial Classification. Basically every type of business can be classified by these codes so different businesses reflect a different SIC code.

The main point is to choose a business that has a low risk SIC code. By the way, just this tip is worth its “weight in gold”. Many business credit consulting gurus will tell you to classify your business as “General management” or “Business management”, a generic name. I really believe that this will harm your efforts in the long run. The nature of the business – its corresponding SIC is a big part of developing a solid foundation for business credit development. Your aim should be to develop your business file so you can get CASH lines of credit without any personal guarantees. No Personal guarantees means that you should not have to use your personal credit for the purpose of getting business credit. Many will tell you that this is an impossibility in this economy. Well it is rare but not impossible. It is only rare because most people approach business credit like they approach there personal credit. Plus remember that just because you are asked for your SS# does not automatically mean that your credit is pulled. For security reasons an SS# is required, especially if the amount being lend is large.

Having said that if you have a “high risk” SIC code business like real estate investing but you still have enough cash flow coming in from that business (and/or enough assets in the business’ name) than it will matter less since the business is so strong. For the rest of us, a good SIC code is a must.

So what is a low risk SIC. Try to find out which types of businesses your state is giving grants/aid to. Follow the stimulus money. If the government is willing to help a certain type of business than you know that business has a “good” SIC code. Health care, medical supplies are good examples (many more good examples). Visit the site for a lot more tips.

Make no mistake about it a good SIC code can make all the difference if you want great business credit.

Always remember a good website designer does not automatically become a business credit expert/guru.…

Bank Ownership Offshore

Offshore bank ownership solutions include a New Zealand Finance Company, an EU Registered Trust Company, a Panama registered Forex Brokerage, or a Closed End Fund registered in the British Virgin Islands.

Each of these bank ownership solutions can be set up in tax advantaged manner in tax advantaged jurisdictions.

It is possible to set up a tax advantaged banking solution and to be able to offer traditional banking services including the provision of checking and savings accounts, certificates of deposit, trust account services, wire transfer services, credit and debit card services, and trust account services.

The rules and regulations vary front one jurisdiction to another. However, it is perfectly legal to set up an offshore banking solution in any of several jurisdictions world wide, taking advantage of the laws of that country. In general, it is possible to find jurisdictions when one does not to provide the capital reserves required of a traditional bank in the same country.

Not All Offshore Banking Solutions Are the Same

If you are considering banking offshore talk to an offshore expert because not all offshore banking solutions are the same.

The world is full of decent offshore banking solutions and there are a handful of exceptional offshore banking solutions. Why not go with the best and most professional choices?

You should work out the best offshore banking solution in your choice of jurisdictions. Offshore shore banking in tax advantaged jurisdictions can save you money. Offshore banking can be very discrete in an increasingly intrusive world. Offshore banking can be safe and profitable.

An offshore banking solution should save you money, guard your privacy, and protect your assets.

Offshore Banking Solutions: Closed End Funds

One of the many offshore banking/financial institution options is to start and run you own closed end hedge fund. An offshore expert can help you explore the opportunities involved in such an investment and its relevance to your personal needs.

An offshore closed end fund option is in the British Virgin Islands. Such a fund invests pooled assets, charges management fees, and, typically, receives performance fees on profits.

The British Virgin Islands are a tax advantaged jurisdiction for such an institution. Reporting requirements and the attendant overhead are minimal in the British Virgin Islands helping to hold costs down.

Such a fund can engage in investments and trading world wide without excessive reporting requirements to local institutions. This is a tax advantaged location. You can seek advice about the pros and cons of starting a British Virgin Islands registered closed end fund. It is also possible to obtain the technical support required to successfully run a closed end fund in the British Virgin Islands.

A closed end fund can be a very successful undertaking if properly set up and managed in a tax advantaged, low overhead location.

Offshore Banking Solutions: Forex Brokerage

An attractive offshore banking/finance option is to set up a Forex brokerage in the country of Panama. This is a tax advantaged jurisdiction with minimal overhead …