THE COST OF DOING BUSINESS: Almost always, security rates are determined on an hourly basis. Large cities generally cost more for service. Security guards in Los Angeles, for instance, are more expensive than Fresno. If you attempt to hire your own officers ('in-house' as it is commonly referred to) special licensing is involved. It's easier, and usually more cost-effective, to use security companies for security staffing.

Currently, most California security companies will charge, on average, $ 14.00 dollars an hour for an unarmed officers. (Note: keep in mind that this $ 14.00 rate is what a security company will charge, not what the officer actually makes.) More than $ 15.00 an hour should have considered quite high for a security guard rate, especially in this economy, unless there is Unusual training and / or skills required for the job. Few security guard companies will offer $ 13.00 an hour for their unarmed guards.

Below $ 12.00 an hour is very rare and is cause for suspicion, since operating expenses are almost always too high to allow that low of a margin. Unarmed security guards under $ 13.00 an hour should cause you to ask the guard company how they can operate with so low a rate. How about the guards themselves? Well, unarmed security guards average only about $ 9.50 an hour for most California cities.

For armed security officers, security companies will charge, on average, $ 15.50 an hour. Higher than $ 17.00 an hour is expensive, and below $ 14.00 an hour is suspiciously low. The average armed security officer earns (himself) $ 12.00 an hour.

Use the above rate information to negotiate better transactions on your security guard vendor contracts. Also consider:

TRAINING: The California Bureau of Security and Investigative Services (BSIS) oversees all training standards for California security guards. They detail specific standards, which can be found on their website.

Officer training must be on-going, but many security guard companies do not comply with training requirements as they are time-consuming and expensive. On-site training is perhaps most important since every account has unique security needs. Make sure your security guard company shows you documentation of ongoing guarding training.

Written tests taken by security guards must be completed. The questions of the test should relate both to your specific account and general rules and regulations, mandated by BSIS. Keep in mind, the more well trained security guards are, the better prepared they are to protect your business.

SECURITY GUARD'S PLIGHT: Because many security officers are low income earners and have limited education, they can be taken advantage of by unethical security guard companies. Most common pay problems include shorting officer hours and failing to pay overtime, which is a Labor Board requirement.

Additional security staff mistreatment includes harassment and safety violations. To minimize security guard abuse, consider having an open-door policy where officers can speak freely about their concerns to you.

POOR RECRUITMENT: Because it's expensive and time consuming to hire security, many security companies do not …

Buying any type of used car is always a bit of risk. When looking for a second hand Audi Quattro this is no exception. After all there is no guarantee that the car is all the seller claims it to be. However when using the internet you can cut down the risks some, for instance you can get a car data check. This will at least let you know whenever the car has any outstanding finance on it, if it has been written off or if it was reported stolen.

You can also follow a few safety rules to ensure that your search for a second hand car goes as smooth as possible. You also need to give certain factors some consideration such as insurance, the cost of running the car and where you will get the finance to buy it.

It goes without saying that a test drive is needed and this should be additional on different road surfaces and in different situations such as on the motorway and small side streets. Always go for the test drive during daylight hours and this way you will be able to give the car a good inspection. The inspection should include the bodywork, engine and all exterior including the paintwork and testing the lights. You also need to go over the cars interior paying attention to electric windows, the dashboard, electrical equipment on the dash and the seating. Always insist on seeing the paperwork for the car and the service history of it, a seller should never have any qualms about giving you this to check over.

Of course a little background history of the Quattro never goes amiss and can tell you a lot about your choice of car and how well it might service your needs.

The first thing you should know about the Quattro is that it is a four wheel drive. The four wheel drive from Audi was first shown to the world over 25 years ago and its popularity just kept on growing. In the 1980s it was the first road car to be mass produced that had four wheel drive and also an engine that was turbocharged. It was the highlight of the Geneva motor show in 19080 where it was presented as the first ever sports car for the road to feature permanent all wheel drive. The road holding capacity of the car was untouched and even by today's standards it takes some beating.

The Audi Quattro was the brainchild of Ferdinand Piech back in 1977. The very first test car was red in color and 2 doors, an Audi 80 that came with just the test name of A1. It was not until March 1981 that the Quattro car first came to the United Kingdom when 163 cars were shipped in. It was not until much later that this all changed and it became Audis best export. Over time many slight changes and improvements have been made to the car which all went …

Not to long ago, many people had their health insurance provided by their employer. Today things have changed and many people are now having to find their own health insurance coverage.

Affordable Michigan Individual Health Insurance Plans

Shopping for health insurance can be confusing. You need to know how to compare plans, and choose a plan that is affordable and gives adequate coverage. What type of insurance do you need?

In Michigan they are a large amount of different policies to choose from. These policies vary in coverage and in cost, so it can be difficult to compare-shop without some help. Here are a few tips to help you:

Several types of health insurance plans are available in Michigan including traditional major medical plans, bare bones plans, and catastrophic plans. Traditional individual health insurance plans, provide a wide range of coverage and are the most expensive. Deductibles are also lower with this type of plan.

Bare bones and catastrophic plans pay benefits only after you have reached a certain dollar amount in medical expenses. For example, a catastrophic plan may have a deductible of $ 3500 or more, of which you are required to pay in case of sickness or injury. Most catastrophic plans have optional benefits you can add on to cover doctor visits and preventive care.

It's important to read an insurance policy closely before you decide to buy. Learn as much as you can about some plans, and you'll be able to make the right decision.

Michigan Health Insurance Quotes

Because almost all major insurance companies have made their plans available online, you can now go shopping for health insurance any time, night or day, for affordable individual health insurance while online. …

Finding good cheap dental insurance can be a hard task. Many people are finding that dental insurance is very expensive and many employers do not offer a plan that is worth anything. There are some options for you when it comes to finding dental insurance that will fit you and your family's needs.

First you need to see what your employer offers in the way of insurance. In many cases they will have a plan that will be good for you and your family members so that they can at the very least get checksups and minor work done. Even though we hate to go to the dentist, waiting to go can only cause many problems in the future.

Secondly there are many places online that offer great insurance that you can get at a reasonable price. It is important that you get multiple quotes so that you can compare cost along with the policy. You want to find a plan that offers you flexibility in case that you need to change the plan at a later time.

Finally you need to decide if you are looking for a simple maintenance plan that will give you bi yearly teeth cleaning and x rays. Maybe you have work that needs to be done and getting a dental options card is your best best so you can reduce the cost of your dental care.

When searching online you always need to compare both price and coverage so you know that you are getting the best insurance. …

Whether you need to travel to get to work or your job requires to travel all over the country, having a can be the most useful form of transport. Car's are a lot more reliable and give you the independence to go anywhere you please.

But what happens if you need to travel for business but you do not have a car?

Well there is always the option of business car leasing. This will enable you to have a brand new car with all the latest features almost straight away. As an advantage, if you lease a car through a business you as an individual are at a less of a risk. Although to receive an approved business lease you will need to have a good idea of ​​your credit on the business accounts as these will be checked against the approval. Like a normal car lease monthly payments will be required once the lease has been agreed, however as a business lease these payments can be seen as expenses which can be counterbalance against corporation tax. By also taking out a maintenance contract as well as a business car lease means that all of the VAT paid on that lease will be reclaimable.

So how does business car leasing work?

After you are approved approved through the business accounts, you will place your order which covers your specific requests, and then you will need to pay a deposit as a financial commitment to the contracted agreed. Once the deposit has been made and all other paperwork had been completed and signed, the delivery date will be set and you will then need to pay the first initial payment to the company which is dealing with the financing of the lease.

Like normal car leases the initial payment is 3, 6 or 9 times the monthly amount. Servicing however all depends on the length of your contract. Like all new lease cars you have peace of mind that you will not have to worry about the MOT of the car unless you have four year contract, as the MOT will be required on after the third year. If you do decide to take out a maintenance contract with your lease, any services, MOT, wear and tear will be covered within your maintenance contract.

Are there any advantages of having a business car lease?

Well for starters people always say that "the best impression is always the first impression". You may not think this is important when leasing a car but for business this can make a big difference. Although the idea of ​​social classes are slowly blending over the years, it goes without saying that when you rock up in a fancy or expensive car to a business meeting people will picture you as person from a reliably wealthy background. From this an idea of ​​"importance" can be clearly identified and can make a really strong impression. Other advantages are some that were mentioned previously, like the fact that when …

Coach Houses are built over 3 floors; similar to town houses, except the ground floor is a single garage. This is a popular and space-saving option for house builders to incorporate all the facilities a modern family needs using smaller plots of land to provide it. It is therefore considered financially economical house building. Economical house building means economical house prices! Everyone is a winner with this new space-saving concept!

This design of property is typically smaller, boasting just 1 or 2 bedrooms – 3 bedroom coach houses are unusual, but we are seeing them being built more so lately.

The Coach houses are typically 3 connected properties (although in some cases can be more), one property owner will be responsible for insuring all of the garages upon which the block of coach houses are built, and can request that the other home owners – who will have access to their garage with a 999 year leasehold, pay a contribution to the insurance costs, even though the policy is not exclusive to the garages and will include their house too!. It is deemed reasonable however, that the policy holder can request around 25% from each of the other coach house owners towards his buildings insurance costs.

This is an effective way of sharing the cost of insurance and protecting every body’s legal liability. The other house owners will also have to have their own Coach House buildings insurance policy however, to insure their own home (excluding the garage of course which is on leasehold through their neighbour) Tricky to follow? It can be unless you have been given good advice! You will need to clarify detail of how everyone should protect themselves and their property against being uninsured in the event of a claim! This tends to be when policy holders realize they are uninsured, in the event they make a claim!

There are usually significant areas of shared driveway space with these plots too, and this liability has to be included in the policy of the coach house owner who is insuring the garages also.

There are policies available to cover these risks, although they can be difficult to find! There are not many available on the market so it can take time to find the right policy for you. The most important thing is to ensure that the insurance policy you choose includes all of these risks and the insurance provider is fully aware of the build, set up of lease holds, and the shared liabilities involved. Without investing the right time, ensuring that you purchase the right buildings insurance policy, could result in you finding out that you are, in fact, uninsured in the event you come to make a claim!…

Just bought your first car? Well the next step is to insure the vehicle and gain peace of mind. Never take what the car seller suggests or offers. Be a knowledgeable insurance buyer and purchase auto insurance that will suit your needs and not pinch your pocket.

Unlike a few years ago you do not have to visit offices of auto insurers or meet with auto insurance brokers or agents. You can complete the whole process online by logging on to one of the many websites that offer auto insurance.

First determine how much insurance you need. This can be computed from factors like your income, assets, commitments, loans, how many dependents you have, the make of the car, its use, and so on. Compute your auto insurance needs by meeting with an experienced auto insurance broker or by using the online worksheets and tools.

o Visit an auto insurance website that offers policies from several different auto insurance providers. Fill the form online and get free quotes from four or more companies. Study what is on offer and the costs. Premiums payable for auto insurance vary widely from company to company. Along with pricing study the features being offered and the benefits. Always read through the fine type in brochures and the contract offered.

o Make all efforts to understand the auto insurance policy. Check on:

o Who is covered?

o What coverage exclusions and limitations apply?

o What is the period of insurance coverage is?

o What is the amount of coverage?

o How does clam is to be made?

o What is the cost of policy is? This should include comprehensive costs like processing fees, premium payable, and any other fee charged by the auto insurer.

o Make sure the company is offering competitive rates and that the policy states clear when you need to make changes. If you get married or rented, move home, or change cars then you need to contact the auto insurance company who has insured your car.

o Keep abreast of changes in law and new products introduced into the auto insurance market. Keep your finger on the pulse of the industry and always take an auto insurance policy from an insurance provider that gives you the best deal.

Taking out an auto insurance policy for the first time can be frightening. What you need to do is not panic and make an effort to find out as much as possible about car insurance. Learn the terminology used, know how much insurance will grant you peace of mind, learn about the different kinds of policies and what each offers. Arm yourself with knowledge and you will never despair. You will be able to select the most appropriate insurance policy for your first car without any trouble. …

A little bit of alertness and willingness on your part for comparison shopping pays off handsomely saving you in hundreds.

Accidents are common place and there are almost 100,000 of them every day, and if there is something between you and financial catastrophe it is insurance. This fact most normally leads one to resign to pay steep insurance premiums which can be avoided despite you having a less-than-perfect driving record.

We enacted a real life drama by picking up real people with real driving experiences from a family and a single person and shopped around for them with a view to find out how much they can actually save. The results are startingling:

1. The loftiest biannual premium quoted for the single man was $ 1,727 which was over three times the minimum amount of $ 533 for the family for the same coverage.

2. The maximum semiannual rate for the family's policy, $ 2,100, was over two times the minimum rate, $ 890.

3. Even those insurers that quoted best family deals quoted worst rates for the single.

The huge difference and consistent quotes emphasized the need for rationalizing car insurance. This is attributable to different formulas for calculating premiums which is a confusing combination of a number of variables like age, sex, driving record, place of living and the car you own. Spending a little time researching the company / policy which baseline meets your and your family's best interest will richly reward you.

Reality Check 1

The family in the study had a teenager who was driving since two years which obviously jacked up the premium of the family's policy. To top it, he had two speeding tickets last year and in addition his mom had also been booked once for over speeding. Although these are common place, the agreement made them risky in the perception of insurers.

Earlier, the family had been paying $ 1,061 every six months for insurance for their two cars 1990 Toyota Celica and 1989 Mazda MPV minivan. The policy included:

1. Liability amount for bodily injury and damage to property- $ 100,000

2. Medical expenses cover of $ 2,000 / person

3. Comprehensive coverage of $ 100

4. Collision coverage deductibles at $ 200

5. Uninsured and underinsured for coverage motorist at $ 100,000

Fine-tuning and shopping

We began the search in the background of above figures and recommended the family to hike their liability protection as below:

1. $ 100,000 / person

2. $ 300,000 per accident

3. $ 50,000 for property damage

4. $ 100,000 / person and $ 300,000 per accident

5. $ 250 for deductibles

6. We left the medical coverage without a change

The result was the drastic reduction in six-month premium to $ 890 an almost $ 350 a year for greater coverage.

The low premium is also attributable to the teenager being now assigned to Mazda, a confirmation that assigning teenagers to an older car still works.

Reality Check 2

In the other case …

What are the characteristics of term life insurance? Term life insurance pays a specific amount of money to beneficiaries if the named insured person dies within the term of the policy. That is the basic definition of a term life policy. The policyholder pays premiums for the entire length of the term in order to maintain insurance coverage. Some of the main characteristics of these policies are low premiums, no cash value, and it is for a fixed length of time, unlike whole life policies. Let’s look at these characteristics in depth.

When compared to whole life policies, one of the most significant characteristics is the low premiums associated with it. Whole life policies often carry higher premiums when compared to similar coverage in a term policy. Because there is a fixed period the insurance covers, the risk to the insurance company is lower than with a whole life policy. They pass that lowered risk along to the consumer in the form of lower premiums. Another reason for the lower premiums is the fact there is no accumulated cash value to the policy. The insurance company uses the premiums to cover the face value of the policy. There is no need to handle investments on the money for the benefit of the consumer.

No cash value means that if the named insured is still alive when the policy ends, there is nothing recovered for the premiums put towards the policy. There is also no ability to borrow against the value of the policy since it holds no real value until the named insured dies. Another significant characteristic is the fact that the policy does have an end date. Most policies go for various 5-year increments such as 10, 15, 20, or 30 years. But, many companies can write policies for other term lengths as well.

There are other characteristics this type of life insurance. One is the fact that even though the policy is for a fixed term, most allow for renewal at the end of the coverage. This means you can extend coverage for another policy term. The biggest problem with this is the premiums often go up because of the renewal. Another characteristic is some policies allow for conversion to a permanent life policy if desired. A portion of the premiums paid before the conversion help to enhance the value of the permanent policy. This is one reason why this investment is popular.…

Headlines are the most important part of a print ad.

In fact, David Ogilvy, famous ad man and author of Confessions of an Advertising Man, has said that four out of five people only read headlines. Nothing more.

And if people DO choose to read the rest of the ad, they make that decision based on the headline.

That's a big job to put on the shoulders for what amounts to a few words.

But before you start despiring over your headline-writing skills, take heart. There are several "headline types" that have proven to sell products and services over and over again. Below are four of the most powerful and the easiest to implement.

1. How to. Everyone loves a how to headline. How To Quit Smoking in 30 Days Or Your Money Back. How to Write a Novel in 30 Days. How to Lose Weight Fast.

Why do these headlines work so well? Because they promise a solution to your customers' problems. Why else do so many nonfiction books have how to in the title? If the how to is addressing a need, you feel almost compelled to pick the book up and look at it. Or, in the case of marketing materials or articles, this same natural curiosity can entice you to keep reading to discover the answer.

Keep in mind the better the benefit, the more likely you'll catch your customers' attention. (The benefits in the above headlines are quitting smoking, writing a novel in a month and losing weight.

2. Question. These headlines ask a question (obviously). If you want this headline type to work, it better ask a question that your customers want an answer to. Are you spending too much on your car insurance? Will your marriage fail? Will you know what to do if you're in an accident?

Whatever you do, do not ask a question that only your business cares about. Something like: Do you know what our company has been up to laately? Again, focus on the benefit for the customer.

3. Top ten reasons. Okay, it does not have to be ten reasons or even the top reasons. But just as everyone loves how to headlines, they also love top ten reasons.

Four headlines that work. Five ways to fix a broken toilet. Seven warning signs that your house may be making you sick.

Again, the customers see the benefits immediately. Plus, they know exactly what they're getting – so many reasons for something.

4. Testimonial. This headline uses your customers' words to sell your products or services. This works because people see proof up front that your product or service does what it's supposed to do. If used correctly (meaning people believe it really is a testimonial from a real customer and not something fabricated) then this can be a very effective strategy.

If you choose this headline, put it in quotes so it's obvious it's a testimonial. And use the customers' words as much as you can to …