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What to Look Out For When Buying Life Insurance

When buying life insurance, there are certain pitfalls and pros that you should look out for so that you know which policy is right for you and for your family. Beside, it is all about the condition of your family after you die and you want to make sure they are in the best condition possible.

So the first thing that you need to do is assess the different types of life insurance. Those types are: Term, Whole, and Universal. Term is an easy type because you have a fixed premium for a fixed period of time for a certain amount of coverage. In other words, you can choose a 20 year policy that will cover you for 20 years for the same premium. If you renew at the end of that 20 years, the premium goes up.

Whole life provides coverage that is guaranteed and at a rate that never changes. The premium is higher than term. However, unlike term, whole life gains cash value through an annual dividend. This divide allows the coverage to stay right with inflation because funeral costs and other expenses will not be tomorrow what they are today.

Universal is a mix of both of these and does provide a number of options throughout the life of the policy. You can even vary the amount you pay monthly.

What are the pitfalls?

When choosing a life insurance policy, there are pitfalls. For instance, you want to make sure you're not dealing with an agent who tries to get you to pay as much as possible. Is it really necessary to have that million dollar life insurance policy? Think about all of your current expenses and what they are now. You also want to take into consideration your long term expenses such as your mortgage and how much money your family may need after you pass.

Yes, it can be tempting to give them a million dollars, but sometimes it can be more trouble than it is worth. You also have to take into consideration how much you can afford in a premium now. If you think you may change your mind later, you can invest in a Universal life insurance policy that will allow you to freely make changes.

Another pitfall is to be mindful of anything in small print. Know your policy before you commit to it. You want to make sure that it is definitely going to pay upon your death rather than giving your family the runaround because of a small technicality.


There are some pros to life insurance policies as well. Be on the lookout for policies that pay a considerable amount for great rates. Yes, these are more prevalent in term policies. Term policies are the purest form of life insurance and less risky for life insurance companies because it is less likely they'll actually have to pay.

There are also some policies that do not require medical exams. If they do, do not fret. A medical exam …

Are You Stuck When You Want To Make Money Online?

If you are stuck when you want to make money online, you may refer to the following story of making money online.

Pamela started getting ready to make money online. She went to seminars that taught how to make money online and learned what she needed to know. She began to follow the steps outlined.

As Pamela followed the steps outlined momentum to build and it looked like there was an avalanche of steps to follow! Every time she followed one step, another appeared. Would not she ever make money online while she relaxed at the beach – as hoped ?? She began to wonder.

Not only that, her family was having trouble adjusting to the fact that she was not home – since there she was, right there! It seems humorous now as I right this.

Pamela had an ingenious moment one day when she finally got to a point of putting up an easel with a big poster board sign that said, "No one is here!" and put it behind her desk chair. It also may have helped her to make money faster online if her office had not been right next to the front door, but that's where it was at the time!

Pamela did not get off to a slow start since she was very distracted with all the possibilities and choices of things to do with her family. If she did something with her family she was guilty because she needed to be getting her online business up and running. If she worked on her business she was guilty because she should be with her family – which was the reason she wanted to work from home in the first place … She was stuck.

Sound familiar?

It does not have to be this way.

Finally, in her studies and explorations, Pamela happened upon a technique to get her mind set so she could stay focused to make money online without the guilt. The exercise was so simple she was able to complete it in a short time after reading how her mind was causing her lack of focus and that feeling of being "stuck." …

New Business – Survival Strategies For Your New Venture

An alarming number of new businesses collapse in the first year of operation, and many of the survivors do not live to see their fifth birthday. Try to follow the suggestions in this article if you do not want your venture to join the long list of failed businesses.

1. If you can, start your business when you are still employed.

This idea will not help someone made redundant without notice, but it will probably be a long time before your new business actually a makes profit, let alone enough to support you and your family. Being employed while you’re starting a business means very long hours but also a guaranteed income to live on.

2. Get clients or customers first.

Many startup businesses find a former employer is a good first client. In any case, do not wait until your venture is launched to find customers for whatever you decide to offer. Your business will never survive without income. You must start marketing early. Join some networking groups and make contacts.

3. Do not try to do everything yourself.

You will need help while you are starting your own business. If you are still employed, a work colleague could give support or be someone to listen sympathetically to problems. Your family may be your best supporters, but you will need to manage their concerns, which might be based on unjustified worries. If you can find someone who has succeeded himself or herself, it would be great if they could be your mentor.

4. Write a business plan.

The main reason for doing a business plan first when you are thinking of starting a business is that it can help you avoid sinking your time and money into an idea that will not succeed. The plan will change and evolve over time but will be an essential framework.

5. Be an expert on your business.

Your business plan will be a start but when you are starting a new venture you will have to become an expert. Many businessmen will tell you they mistakes in their first year, but they will have done most things right or they would not have survived. You will become an expert on your industry, products and services, sooner or later – so make it sooner and give yourself a chance.

6. Get professional advice.

Starting a business, does not mean you have to be an expert on everything. Get the legal and tax issues right the first time. It is much more difficult and expensive to cure a problem later. Be sure to get business and tax registrations right from the very beginning.

7. Sort out your finances.

Especially in times of financial turbulence investment capital is not easy to find for new businesses. Lenders are suspicions of unproven ideas, especially from new ventures that do not have good track record. Save up if you have to, and only approach potential investors and lenders when you have a convincing story to tell.

8. Start

Money in Photography – Up Close and Personal

Like most people I know, I like taking pictures of nature; waterfall, rocks, and flowers. However; also like most people I know, I have made very little money from those pictures. Can you make great money from nature shots? Yes. Is it extremely competitive and very hard to get into? Yes. Is there an easier way? Yes.

For most of us, the best way to make money is to get up close and personal. Usually this means people shots; although sometimes, pets also qualify for this type of shooting. What I'm talking about is shooting events.

Events can be broken down into two categories; A) Things that happened once in a lifetime, and B) Things that happen over and over again. The things in Category "A" can usually bring more money to begin with; however there is also a lot more pressure. The things in Category "B" usually make less money per job; but tend to lead to multiple jobs.

Category "A" could include: Weddings, Sweet 16 Parties, Births, Graduation, and even death. Sound strange? Think about it; at a funeral, you have family and friends who may not have seen each other in years. Death is rarely expected, so often the subject has not had pictures in years. This is the last chance to get photos or memories. It's not an area people often think about; you have to sell them on the idea.

Category "B" could include: Drama Events, Sporting Events, Family Reunions, and Portraits. This category usually gets less money for the individual event, but not always. I have shot Family Reunions (for example) where I made more money in half an hour of shooting, than I make doing a wedding (five to six hours of shooting).

Always remember to shoot more than what you are asked for, or even more than you might think is enough. Especially with one time events, it is often impossible to go back and do it again. A person called me once and said they had a bunch of family coming over for Mothers Day, and asked if I could take a group shot. The longer we talked the more this sounded like a family reunion. My response was: "I can shoot the main group shot, but I will take other shots too. I make it a policy to never to only develop one or two shots on a roll."

I actually shot: The mother (with and without husband), the main Family Group, a four generation shot of Daughters, five individual family groups (with and without Mom), all the kids for the main family, all the kids of the individual families, all the couples from the individual families, all the grandchildren, and all the great grandchildren. Always shooting two or three shots, to make sure no one blinked.

They only asked for one shot, and I might have sold that one shot five or six times. But with what I offered, I got 24 individual orders, and many of those orders …

What is the Best Way to Invest Money?

What is the best way to invest money for you and for your children? Is it best to buy stocks, bonds or mutual funds? Considering the economic environment we're in, you might be thinking that it might be safer to hide your money under the mattress like grandma used to do!

What is the real secret that wealthy people know that keeps their money growing?

Everyone dreams of having a financially secure life. I personally do not know of anyone who actually wants or plans on being poor, do you? It's just poor money habits, a lack of basic money skills and having no set goals that makes and keeps people in a poor financial state. You'll have a huge advantage of building a substantial nest egg if you become financially intelligent. All you need to do is learn and practice a few wealth-building techniques. Make sure to pass these on to your children. It will mean the world of difference to your children's future if you teach them the following principles as early as possible:


Look at a twenty or thirty year chart of the stock market, for example the DJIA (Dow Jones Industrial Average). You will not see the price of the stock going straight up nor will you see the price of the stock going straight down. The line on the graph zigzags up and down, meaning that there are some money making days and some money losing days.

From 1970 up until present, the DJIA has moved up, going from about $ 750.00 per share in 1970 to about $ 11,000.00 as I'm looking at it today. If you had invested in the DJIA back in the 70's, you'd have a fairly good return on your money today, despite all the down days and years in between. Historically, the stock market has moved up (about 13 percent a year over the long term). If you look at the chart, you will see corrections from time to time. These corrections are when stock prices go down, sometimes by five to twenty percent. Sometimes you will hear people say that we are in a "bear market". This is when the stock market declines by twenty or more percent. Ouch!

These bear markets happen every three or four years, and long-term investors do not get too bent out of shape when this occurs. This is a normal part of investing and is just part of the cycle of the stock market. It's not necessary to watch the stock market on a daily basis when you know you'll be holding your stocks for the long run. These corrections provide an excellent opportunity to buy more of your favorite stocks at a discounted price. The longer you invest, the more all the ups and downs even out. These ups and downs are referred to as "volatility", which is another word for risk. It's safe to say …

The 7 MUST Do's When Pitching Your Company for Funding

  1. Be prepared. In the initial pitch you have a limited amount of time to cover all aspects of your deal. Highlight all essential elements, preferably in a structured sequence. The more solid the framework, the more it appeals to seasoned and professional investors. No need to re-invent the wheel, you can use a proven pitch structure. I personally always hawk pitches for covering the 4 pillars of their foundation. These are Team, Market, Financial and Corporate structure and governance. If you clearly 'miss' one of them – I'm OUT.
  2. Raising funds for your company and managing the process is (almost) a full-time job. Help yourself and the prospective investors by professionalizing this. Use a streamlined flow of information through various stages of the due diligence. You must have a Data Room where you can direct, manage and interact with stakeholders. Just by raising the level of professionalism, you increase the chances of receiving funding. Money likes to follow professional, meticulous and prepared CEO's. Do not tell me, show me.
  3. Even the concept of bringing in outside shareholders changes the game. Many entrepreneurs, especially start-ups, do not clearly understand the ongoing implications. It's okay to be inexperienced, but I will pass when I sense ignorance in this department. Because ultimately, my fate as a shareholder is directly related to the CEO's understanding of this. Please address this as it is important to (prospective) shareholders you're asking for funding.
  4. Understand it's a numbers game for you. One of the largest miscalculations I've witnessed over and over again is that entrepreneurs overestimate the ability to raise funds. Lots of competition as we said earlier. No matter how GREAT your opportunity, you will be returned by at least 90{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the prospective investors. One of the best tips I can give to the CEO's I working with, is to generate a PIP-list (Professional Investor Prospect List). I recommend you spend a reasonable amount of time here. Categorize by geography, size, and their investment focus, stage. This becomes your central working document. Secondly, please budget for your fund raising round. Invest some dollars, even if you do not have many, in order to set yourself up for success in completing the financing. As a rule of thumb, budget for 2-3{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} upfront and 7-10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} at the back end of your round (depending on the size of the round of course).
  5. Avoid the Biggest Turn-Off pitfall. One of the hardest parts in Direct Investments is VALUATION. Countless entrepreneurs have (in my eyes) ridiculous expectations in regards to their company valuation. Often solidified by sharp 'hockey-stick' financial projections (always in the future). It's perfectly fine to be optimistic and somewhat opportunistic when evaluating your equity. As a professional investor, I always assess for risk-adjusted calculations. Your valuation should be a fair and realistic derivative from your plan and numbers. Not an arbitrary number.
  6. Every beginning has an end. You're asking me to invest along with you to make your venture a success. Not the operational success is what

How to Make $100 a Day With Goal Setting

When most people start an online business, they know that they want to make money online. However, most people don’t take the time to figure out what their goal really is. Are you hoping to make enough money to quit a regular job, or just have enough extra money to pay a few bills and take an extra vacation now and then? Determining what you really want out of your online business is the first step in finding out what it takes to be a successful online business owner.

Making money online is not easy

With the large number of online businesses popping up each day, many people have taken that attitude that making money online is easy and doesn’t take a lot of work. The truth is that the majority of online businesses fail primarily because of this attitude. Running an online business is a great way to make money, but just like any other business, it requires that you think and act like a business owner. This means that you must wake up each day with specific plans in mind for your business. It also means working smarter, not harder.

But it can get easy if you break some things down

Decide how much money you would like to make each day. Then, figure out what your website needs to do to generate that much money. For example, if you want to make $100 per day, and you sell $10 items, you need to make ten sales each day. Then, take it a step further- what do you need to do to get ten sales? Do you need to get ten visitors to your site? One hundred? The answer will depend on your site, your product, and what you need to do to make sales. Once you understand what it takes to make money, you have the beginnings of a marketing strategy.

Now that you have a plan to make the money you want to earn, start thinking about how you will bring visitors to your site to make purchases:

  • Should you work on SEO strategies to ensure your page shows up at the top of web page rankings?
  • Do you need to create fresh content that will bring in new visitors and keep your old visitors coming back for more?
  • Have you used enough advertising strategies to drive highly targeted visitors to your site?

There are many great resources available that can teach you how to bring in the hits you need. Remember that part of being a successful business owner is understanding your industry and doing the research it takes to make sure you are at the top of your game.

Once you have a goal and a strategy in place, it is time to start measuring your progress. Are you earning the money that you need to meet your goals? If not, reassess what you are doing and try some new strategies. Remember that your business must keep evolving if you are hoping to remain …

oDesk Frauds – How to Avoid Losing Precious Time and Money on Freelance Writing Sites

Scams and frauds are among the most common concerns of both employers and freelancers who work on freelance writing sites like oDesk or Elance. Getting scammed on Elance, Guru.com or oDesk is a distinct possibility, even if these freelancing websites have systems in place which protect honest people from getting conned by unscrupulous individuals.

One of the reasons for which people are being fooled by freelance scams is the complexity of freelancing sites like oDesk. For some, there are simply too many options to set, too many things to watch for, and so on. oDesk has a comprehensive system in place to avoid frauds. Their motto is Verified Work – Guaranteed Payment , but unfortunately even their escrow system can not completely protect people from falling victims to shrewd individuals.

If you're a contractor, here are a few tips to avoid falling victim to oDesk scams:

  1. If you're working hourly , you're pretty much safe. The escrow system of oDesk (or Elance and Guru) guarantees that you are paid, as long as you're working on what you were supposed to, you're billing the time in the dedicated application (oDesk Team), and you're justifying your work with memos. A memo is a simple description of what you are doing at a specific moment. Eg: Writing article about oDesk scams or Completing landing page for website. It's a good idea to be sure about memos … you never know when a bad situation can develop.
  2. Most oDesk scam attempts appear when working on fixed fee projects . Actually, oDesk specifically asks you to confirm that you understand the risks of working on fixed fee projects, before applying to such jobs. In fixed fee projects, you do not have any guarantees about when or if you will receive your money.
  3. Check the employer's feedback – when you apply for a job on freelance sites, you can see the history of the employers – check their overall rating, and read the comments of fellow freelancers, who worked with the employer before. If you spot something suspicious, or many negative comments, it's a sign that you're dealing with a bad employer or a downright scam attempt.
  4. If the employer is new, consider the job offer – when you are offered lots of money to do a simple thing, think thoroughly why that happens. It may mean that the employer is inexperienced or naive, but sometimes it can be a lure set by a fraudster.
  5. Ask for upfront or milestone payments – a small upfront fee paid by the employer may be a sign of good faith, but many employers dislike upfront payments, because they are too afraid of oDesk scams. Another option, suitable for long-term fixed-fee jobs is to negotiate a schedule of milestone payments (partial payments), as the project advances.
  6. Communicate only via the freelance site – oDesk and Elance have their own messaging systems, which is usually enough to communicate with an employer. To be extra cautious, you should only communicate with the

Free Auto Insurance Quotes Sites – Why They Are Really Free

Free auto insurance quotes sites defy the saying that nothing good comes easy or free. The truth is that good things sometimes do come free and easy – at someone else's expense, of course. This is quite true of the most important resource for those shopping for the best price / value in car insurance. Someone spent the time and money to set them up. But like everything free, what's in it for the sponsors of such sites? Will not their interests hurt you? Here are reasons why you should make an exception of this particular group of free resources …

First, I'll make you realize what they stand to gain (Yes, they stand to gain something too). Here is why they give such a useful resource for free …

If you run a business you definitely know that you spend quite a lot in getting customers. This is also true if you're an insurer. The old method was that an agent called you and tried to sell you insurance. That cost them a lot of money.

On the other hand, quotes sites attract just the right kind of people: Folks searching for what they sell. They attract them 24/7 without phone calls and additional staff. Their details are captured immediately into a database without the need for human intervention. This makes the process of managing data easier and also ensures that only authorized persons have access to them. The cost of customer acquisition and running their insurance business therefore drops sharply.

Now that you understand why they may be giving you such a great tool for free, you may want to know what's in it for you. Here they are …

1. The competition in the insurance industry is fierce. Savings like this help insurers compete better by lowering their rates. The lowest rates are online, period. It saves them much money and they pass on part of the savings to you in lower rates.

2. Getting five or more quotes per request is very normal especially if you get quotes from free quotes sites that are owned by insurance brokers. And, all it takes is just about five minutes. You raise your chances of making considerable savings when you have many more quotes to pick from.

3. It's a lot more convenient to get your quotes online from these sites. You can get and compare quotes at your own time and pace. Can you find time only by 1.00am? That's fine. All you'll have to do is just log on and get your quotes – So easy!

4. If you have ever tried to obtain your quotes directly from an agent you'll agree that you're less likely to get the best quotes but those that will serve the agent better. And what if the agent does not cover an insurance company, they'll give you what they have and not what's the best deal. Using quotes sites, you make your decision without any external pressure.

These leave you with …

NJ Home Insurance – Small Steps That Will Lead To Massive Savings

The things that will help you save on your NJ home insurance policy are not always great things. There are a number of small and often-overlooked things that will help you reduce your rate by a huge margin. Let's look at some of them …

1. Fitting deadbolt locks on all your exterior doors will not cost you much. However, they could lead to discounts of up to five percent depending on your insurer. Burglary proofs may be too much for most people but deadbolt locks are that much but will save you some money.

2. Do you have the right number and kind of fire extinguishers in the right places in your home? These little things make you home more fire-safe. And, they lower the risk your home is exposed to, the cheaper your NJ home insurance rate.

3. Do you have trees on your property? Do you take time to ensure there are no dead limbs that could hurt people on your property? Just a routine check and maintenance would save you a lot in liability claims.

4. Do you have a dog or dogs? They'll increase your rate. However, if you take the right precautions they're not cost you much in home insurance. Simple steps like making sure they are always chained when if your home is not fenced would help.

5. Do you know that your home and its content will attract an entirely different rate quote from a different insurer? The difference in NJ home insurance quotes from different carriers could range from as little as a few dollars to over a thousand and much more. Therefore, make sure you get and compare quotes from five or more quotes sites. …