231 Front Street, Lahaina, HI 96761 info@givingpress.com 808.123.4567

Why Do We Need Rental Car Insurance?

Do we really require rental car insurance? This question may evoke laughter since most of us do not understand the necessity of doing so. Well, lots of people are not quite sure about the answer. However, a car is a car and it is sentenced to accidents whether it's rented or not. We can not belittle the issue and it is a fact that rental car insurance is necessary.

Let's delve into the issue. Perhaps there is no person who finds traveling repugnant as it is both a great source of fun and education, especially for students, researchers and also holiday travelers. As people travel, they looking forward to have some rest, recreation and have novel experience.

In the majority of these cases rental cars are used because few travelers dare to visit far off lands with personal cars. What may happen if the rental car (owed to great misfortune) meets any accident? Will you, if you have rented, pay up the damage and also other major loses? How can you handle with this reality? There is perhaps no other way other than car rental insurance.

Go to relevant websites relating car insurance, if you are still skeptical. Only a very few of these insurers provide policies that do cover rental cars. Even though a personal personal policies cover injury to a rental car and credit cards may also go together with accident insurance, rental car insurance seems to be the best since it helps the insured person to steer clear of any hassle.

Why do not we focus on some specific reasons? Only a very few policies do cover car rentals outside the realm of US. Remember, you have to compensate the damages in the absence of rental car insurance anywhere in the world even though you make use of the cars of the same rental company back home.

As per information, premium credit cards generally prefer secondary accident coverage. There are very few instances when a credit card that brings forth primary accident coverage can be found. The most potent difference is that a secondary insurer pays the individual only after he has filed claims with a primary insurer. Even if you consider rental car insurance a hassle, this will make you free from meeting larger hassles in future.

Customer service is one more important word and the customers must believe it to be an important point in choosing a company. There are lots of companies that supply the best customer support. There are also aid lines which the customers can call up and ask their questions. …

Introduction to Business Loans

Business loans refer to the transfer of funds from a lender, usually a financial institution, to a borrower. In this case, the borrowers are businesses and the financial institutions are banks. The interest to be paid and the schedule of repayment are decided by the bankers and the borrower agrees to those terms. Lenders may offer unsecured or secured loans. Secured loans require collateral, which are generally personal assets, such as the home of the borrower. However, when talking about business loans, collateral is something owned by the business – machinery, real estate,

There are many reasons for businesses to get a loan. Some may require additional funds for the expansion of the business, or offering additional services, while others would need funds for making various small or big purchases. Lenders take quite a few factors into consideration while extending these loans. First, they would check the credit worthiness of the business. They would also evaluate how far the business has been successful and the likelihood of its being profitable. Procuring loans for a new company is indeed very challenging, and the credit history of the individual borrower is almost the sole criteria for taking the decision.

As the lender would naturally like to ensure that the borrower has the capacity to pay back the borrowed money, the borrowers need to fulfill some very strict prerequisites for availing the loans.

If the risks connected with the loan are rather high, it is generally a better option to seek investors from within the family or the social circle that could lend money or buy a part of the business. Banks are certainly not keen to offer loans carrying a high risk. Small businesses needing smaller loans could check with government sources that lend money, or other companies offering micro-loans, as their perquisites for extending loans are not so tough.

Businesses that get loans at the time of getting started have the advantage of building their credit history as the business grows. As in case of personal loans, businesses too must ensure to pay back the borrowed funds within the stipulated time. Failure to make timely payments harms the credit history of the business, making it difficult to procure any business loans in the future. Banks plus other lending institutions not only consider the credit rating of the business, but also its profits in the past as well as the profit the business is likely to make when being granted the loan.

As far as the citizens of the US are concerned, those that are looking for loans in order to start a new business or continuing with the present one should look into a good source before approaching any banks. The US Small Business Administration is a government body that provides financial support to small business. Though everybody may not be granted help via this program, one should certainly make a sincere effort and try, as the loans available under this program carry a lower rate of interest, and the terms …

Why Do We Need Personal Development to Be Successful?

In order to really answer that, we need to define what we mean by personal development. In my opinion, personal development is:

  • Growth as a conscious human being
  • Activities that improve self-knowledge and identity
  • Development of talents and potential
  • Development in different areas of life
  • Building of human capital and employability
  • Enhancing the quality of life
  • Contributing to the realization of dreams and aspirations
  • Is not limited to self-development but includes formal and informal activities for developing others
  • In the context of institutions, it refers to the methods, programs, tools, techniques, and assessment systems that support human development at the individual level in organizations
  • (hard) work that requires discipline, determination, consistency, patience, time, courage, forgiveness

Let’s then take a closer look at some of these bullet points in correlation to success.

Improving your self-knowledge and identity means, among other things, that you become more aware of who you are and what you want. Knowing what you want and where you need to improve yourself in order to achieve what you want are essential parts of success.

If you have already achieved success you cannot stay put if you want to remain successful. The world and other people around you are constantly evolving; therefore you need to keep on developing your talents and potential further. Otherwise your success will remain short term.

Depending on your goals, you need constant development in different areas of your life, not just in one. Some of these areas might include health, finances, relationships, emotions, habits and beliefs, to mention a few. A good health will ensure that you are able to do what you want to do. It is obvious that you can do a lot more as a healthy person than you would lying sick on a bed. It is obvious, in most cases, that you can achieve more and free yourself from some of the worries when your financial situation is stable. It is obvious that you can achieve more when you have sound relationships with supporting and loving people to back you up. And so on.

Having activities for developing others, in addition to developing yourself, is really what gives you the final boost for success. The old saying “what goes around, comes around” applies here quite well. Helping other people succeed will ensure that they willingly help you in return. It is much, much more difficult – and in most cases even impossible – to achieve success just by yourself. You can’t be the master of everything. And you shouldn’t even try to be. Concentrate on doing well what you love doing and let other people help you in the areas that they love doing. Help others develop themselves and they will help you develop yourself. That is for everybody’s benefit.

Finally, understand that long lasting success does require work. At times, it can even seem to require hard work. But once you have found what it is that you truly love doing, the work doesn’t seem that hard anymore. But …

The Power of Self-Approval

Do you want more happiness in your life? Are you tired of compromising your happiness for that of others? Have you ever stopped to think about why you have in certain ways? Do you ever wonder why celebrities and people in the lime light seem to crave all that attention?

Well, one theory is that we have in order to gain approval from others. This may seem far fetched but think about it for a minute. Everything we do in life can boil down to 2 fundamental needs: the need to be loved and the need to be helped. As such, our actions tend to be determined by our ability to please others. This stems from the fact that our mind operates in a primitive survival mode looking to protect us at all costs. This survival mentality was originally formed during our early childhood where, as dependent helpless babies, we learned that it was necessary to please our parents (or caregivers) in order to get what we wanted if it was food or milk, and so forth. If we did not gain this approval, we feared the worst – that we would perish. Fortunately, we are no longer dependent children need others approval in order to survive. However, our conditioning has ingrained in us this need to please others even though it no longer makes sense to do so.

As such, one of our biggest obstacles to happiness in life is our need for approval from others or our need to prove ourselves, our fear of disapproval, and our fear of rejection. It is solely based on survival! Now, the need for survival is gone but the habit remains.

It is important to realize that when we try to please others we are always at the mercy of someone else's response, and then we have no control over the output. When we act in accord with other people's approval, we are saying that their item is more important than ours. We are saying that they are more important than us! According to Abraham Maslow, the world renounced psychologist, "The highest state of man is self-actualization. And the essence of self-actualization is freedom from the good opinion of others." Thus, in order to be truly happy we must dissociate from the bad and good opinion of others. We must learn to approve of ourselves and realize that each and everyone of us is a unique and special person capable of wonderful things. It is critical to understand that we all live in our own little "bubble". We are unique in the meanings that we attach to the information and events in our lives. Simply stated, two people experiencing the same event or information will give different meanings to each based on their own personal experience, upbringing, programming, and paradigms. For instance, the word "battle" may elicit a different mental image or meaning to you then it would to me. As such, how can we seek others approval when they are most …

5 Best Books on Wealth Ever Written

1. Think and Grow Rich

Originally published in 1937, this classic best-seller is undoubtedly one of the best books on wealth ever written. This book helped millions of people around the world to achieve their dreams. The author, Napoleon Hill spent a lifetime doing research on successful, wealthy and most powerful people on earth, including Henry Ford, Andrew Carnegie, Thomas Edison, John D. Rockefeller and Charles M. Schwab. In this book, Napoleon Hill revealed his wisdom of research in the form of ‘thirteen steps to riches’ that will change your life.

2. The Richest Man in Babylon

Published in 1926, this classic is considered as one of the most inspiring books on wealth ever written. Beloved by millions, this timeless classic holds the key to all you desire and everything you wish to accomplish. This is the book that reveals the secret to personal wealth. This is the book that holds the secrets to acquiring money, keeping money, and making money earn more money. Countless readers have been helped with this famous book. This book offers an understanding of-and a solution to-your personal financial problems that will guide you through a lifetime.

3. Rich Dad Poor Dad

Rich Dad Poor Dad is the single best personal finance book ever written and has been a best-seller for many years. Have you ever wanted to know why the rich get richer and the poor get poorer or why many highly educated people struggle financially all their life? Then this book will give you the answers. This book will show you how rich, middle-class and poor people spend their money. In this book, the author Robert Kiyosaki gives you some excellent advice that can change your life.

4. Secrets of the Millionaire Mind

This book has appeared on the New York Times best-seller list and was #1 on the Wall Street Journal’s business-book list. In this outstanding book, the author T. Harv Eker teaches you how to think and act like a rich person. According to T. Harv Eker if you think like rich people think and do what rich people do, chances are you’ll get rich too! Using the principles he teaches, T. Harv Eker went from zero to millionaire in only two and a half years. He believes that the key to attaining great wealth begins with thinking because thoughts lead to feelings, which lead to actions, which lead to results. A must read book on wealth creation.

5. The Millionaire Next Door

Millionaires are too often stereotyped as having extravagant lifestyles and irresponsible fiscal habits. But, the truth is more than 99{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of millionaires are hard working, methodical savers and investors. In this best-seller, the authors: Thomas J. Stanley and William D. Danko reveal that most of the millionaires are remarkably frugal and careful with their money. Most of the truly wealthy in America do not live in Beverly Hills or on Park Avenue – they live next door. They are the people who own the dry cleaning business, the …

You Do Not Have To Be a Victim of Identity Theft

One of the worst things that can happen to you is to become a victim of identity theft. If your personal information should fall into the wrong hands it will take you a long time to get your credit and your financial life straightened out. You can be denied jobs, insurance and loans for a home or transportation because someone ruined your credit by stealing your identity. This article will give you the knowledge that you need to protect yourself from identity theft.

Identity thieves can get your personal information in a number of ways. They may steal your purse or wallet or steal your mail from your mailbox. Dumpster diving is a popular way of obtaining your information as they sort through your trash to get their hands on credit card offers or other information that you have discarded. An identity thief may call you on the phone or send you an email posting as a representative from your bank or credit card company. They may ask for your account numbers and social security number under the pretense of verifying your account information. They may even complete a change of address form and have your mail diverted to another address so they can get their hands on it.

Identity thieves are smart and innovative. Never assume that your personal information is safe. As technology advances, so does the opportunities for identity thieves and scam artists. Here are a few ways that you can keep your personal information safe:

O Take advantage of your right to one free credit report per year. Keep a close eye on your credit report. If you notice any suspicious activity, contact the credit reporting agencies right away. Let them know that you feel you have been a victim of identity theft. They can place a fraud alert on your profile so that every new application for credit must be verified by you personally.

O Check your banking accounts daily. Most banks have online access to your accounts. Use the online features and keep a close eye on your checking and savings accounts. Make sure that access to these accounts are protected by passwords that you can set. Do not use passwords that are easy for identity thieves to guess such as, mother's maiden name, your birthday or your social security number or a series of contractual numbers.

O Guard your mail carefully. Drop off outgoing mail at the post office instead of leaving it in your mailbox to be picked up. Shred your junk mail and any other statements before throwing them away. It is best to use a cross cut shredder for this.

O Do not carry your social security card with you. Store it in a safe place such as a safe at home or in a safety deposit box. Have your social security number removed from all documents and forms of communication including your driver's license. Never give your social security number over the phone or through an email.

O Keep …

Communication Skills – Powerful Tools for Personal and Professional Success

In a well-known study, 3,000 people were asked what scared them most. The number one answer was "public speaking".

Poor communication skills can create chaos in the workplace. The very reason for communication is to be understood. To get positive results, speakers need to understand the effect of their words on others. Listeners need to understand what they hear by avoiding quick judgment and misinterpretation. Strategies for making sure communication is clear and direct so that listeners receive information accurately.

Have you ever expressed an opinion that led others to become defensive or hostile – even if you did not mean it personally? Many people have reasons for believing they're being attacked. Defensive behavior can lead to hurt feelings, arguments and hostilities, often affecting a variety of relationships. The Defensiveness chain that is created impairs communication and reduces productivity. Communicating Non-Defensively shows five essential skills that promote a productive work environment.

1. How to disengage from a defensive position

2. How to empathize and disarm a defensive person

3. How to inquire and focus on the issues

4. How to distribute ones own needs and goals non-defensively

5. How to depersonalize the issues

Good verbal communication is not automatic: we must work hard at it. The ability to speak effectively is one of the most powerful tools for personal and professional success. And because people who speak effectively are perceived as leaders. The four main components of effective speaking for an audience of any size are as follows:

Mental Effectiveness

Visual Effectiveness

Vocal Effectiveness

Verbal Effectiveness

Together, these components make sure communication is clear and direct so that listeners receive information accurately. …

Basic Guidance on Health Insurance

Health care providers like labs, hospitals and x-rays that our house of store which shares and access your health information with the doctors and using computers and other electronic devices makes your work easy for you. Using computers in this interesting way in today fast life is called health information technology or health IT.

Health information technology is a very useful technology. They are as follows eliminating the need for the handwritten medical records that reducing the paper work..it eliminates the mistakes of misleading the doctors handwriting and also reducing medical errors by transmitting accurate information electronically. By decreasing the need of repeat medical tests by different doctors which in turn reduces the health care cost and eliminating both staff s time and hospitals storage space to maintain the medical records.improving your health care quality by reducing the errors and assuring to have exact and Accurate information of your health by your health care providers on time.

Through your health care system HIT plays a significant role. Three important healths IT of the types may affect your future as more of the consumers are opting and using personal health records (PHRs) and and more over the entire physician using the latest electronic health record (EHRs) and electronic prescribing (e-Rx)

Now let's see about personal health record. A document with information relating to our health and (our family members health) which has to be updated everyday for reference and this effective document is called personal health record.Date of your children immunization, major illness, allergies, operations or most important the list of Your family members medicines all this can be followed and tracked on using (PHR).

(PHR) are provided free from hospitals, doctors office, private companies and government. (PHR) is also very easy to use. Some (PHR) company also charges there specific fees monthly or annually. You can manage your health information from anywhere if you have access to internet since your (PHR) is online. Due to electronic facility you can collect, share, manage and view your health information, and having a (PHR) it will help you manage and take care of your health care more actively.

Electronic health record (EHR) is an latest method of designed for easy health care. An electronic health record (EHR) is a document used by hospitals, your doctor, and the doctors staff which is on computer basis. Similar to your old paper medical chart, an EHR provides information from your doctors and also the other health providers. Health conditions. Allergies, treatment medications and test all this information you will find in any typical (EHR) certain (EHR) have alerts provided for the test and treatment you under, which is also benefited to the doctors. …

The Secrets Of Starting A Profitable Flower Vending Business

I have sold in the retail market, millions of fresh roses and fresh flower bouquets successfully for 32 years. I bought a retail nursery and florist across the street for one of Connecticut’s largest cemeteries, on a busy route that had several thousand vehicles pass every day. I made deals with all the flower wholesalers at first and then I proceeded to undercut the price of all the flower shops in the state. My main objective was to create a customer base that would frequently buy flowers “just because”. My customer service was created with an over friendly staff of a great combination of super personalities and knowledge of the business, which was simply liking people and helping them to satisfy a feeling. My motto to my staff was to let them know that we not only sell roses and flowers but mostly, We sell Love, we sell feelings! My obsession with quality and consumer service was so successful that it spread through out the community and the state.

Wow, I can remember Valentines week with a staff of over 50 wonderful employees wrapping and boxing roses through out the day and nights, get ready the rush of the year. I was so careful with every dozen to prepare each like it was for my mom or wife. We dethroned all the roses, cut them under water, to hydrate them according to the “Chain of Life” procedure. They re-hydrated them in solutions to further guarantee and extend their vase life. Our 4,800 Dozen roses that we sold that week were our best advertising for the rest of the year. Heck, they lasted over 10 days which pleased amazed our dedicated customer’s recipients. What a great feeling to know how many people we made happy.

Selling flowers at strategic locations has become a highly profitable retail business for many enterprising individuals. These entrepreneurs are taking advantage of a market that is, for the most part, impulsive in nature. Many people buy flowers on the spur of the moment, and the presence of a flower vendor is usually their inspiration.

Very often, men on their way to a date will see a roadside flower vendor, and suddenly find the idea of taking flowers with him quite appealing. The same holds true for many men heading home from work. If they’re married, these men will often purchase flowers from roadside vendors for their wives. The flowers are fresh, attractive, and package to sell, not as nearly as expensive as an arrangement from a florist, and the buyer doesn’t even have to get out of his car. Women are also potential customers for flower vendors. A woman will buy flowers to add color and decoration to her house or apartment, or sometimes, just to cheer up a friend. In any case, the purchase is usually made on impulse, brought about by the availability of a flower vendor.

Starting a flower vending business is not difficult. No previous experience is necessary. There’s only a minimal …

Advantages of a Caravan Holiday

When thinking of where to go and what to do for your holidays, a caravan holiday may not be the first thing that springs to mind and other options may initially seem more appealing. However, there are many advantages to a caravan holiday that make it an excellent choice regardless of your age, personal tastes and whether you are travelling alone or with your family.

One of the main benefits of a holiday in a caravan is the flexibility and freedom that it provides. You can come and go as you please, eat when you want, not worry about disturbing people in the next room and you can choose whether to stay in or to go out and explore the surrounding area. If you own your own touring caravan, you also have the freedom to visit wherever you like, whenever you like and at just a moment’s notice. In contrast, when staying in a hotel, it is often the case that you will be limited to eating at certain times and you may need to have arrived back at the hotel each evening by a certain time.

Often, caravan sites have excellent amenities. This is another advantage that entices people to choose a caravan holiday. Caravan parks often have a choice of leisure activities, shops and restaurants meaning that all your needs are catered for and you do not need to leave the caravan site. The ease of this holds great appeal to holidaymakers as it means that they do not need to make lots of arrangements for entertainment and activities during their holiday.

Another benefit is the price. Caravan hire is often much cheaper than renting a holiday home or staying in a hotel. It is not just the cost of hiring the caravan that is cheaper, it is the overall expense of the holiday. Travel costs are usually much less and passes are often included in the package which allows you to use all the amenities and enjoy the entertainment provided. With many other types of holiday, amenities, leisure activities and entertainment are an additional cost that needs budgeting for.

Finally, many people choose caravan hire over a hotel because although they are away from home, they still feel at home. A caravan offers the comforts that you have in your own home, unlike a hotel room which can feel impersonal and is just a place to sleep for the night. Many modern caravans offer living space as well as sleeping accommodation and this allows holiday makers to relax as they would in the privacy and comfort of their own home.

Overall, a caravan holiday can be a wonderful experience that has a lot of benefits in comparison to other types of holiday. Not only will you save money, you will experience being away from home while still enjoying the comforts of home with the additional benefits of onsite amenities, leisure activities and entertainment. It is a holiday well worth considering the next time you are thinking of …