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

The Importance Of Continued Personal Development

We are all unique individuals having different personality types. Some are more enthusiastic when it comes to learning new things compared to others. However, we are all capable of motivating ourselves to face challenges as well as gaining new experiences for our continued personal development.

In terms of career opportunities, outstanding managers endeavour to improve themselves so as to be ready to face this fast changing world. They are aware of the significance of continued personal development.

Continued personal development helps in improving the knowledge that you have. This is mainly because continued personal development is an experience wherein you can achieve self-awareness as well as self-improvement.

If you want to engage in self development, you should be open to changes and challenges from people around you. You might as well ask yourself these questions, What is my comfort zone? Am I ready to let go of it for the sake of self-improvement? Am I willing to accept and learn new things as well as listen to fresh ideas from other people?

Then, ask the help of those around you, your employees or team members, to motivate and encourage you by asking challenging things and question your decisions in order to compel you into considering other perspectives. Do not forget to thank them for helping you out in your quest for self improvement.

To learn more is to gain more knowledge and skills. The skills and knowledge you have gained may be a big help to be successful in your line of work. Keep in mind that past experiences and knowledge are slowly becoming obsolete. For this reason, self development is needed for you to succeed and come out on top of your field.

The most valuable assets that you have are the knowledge you have acquired from your experiences as well as the action that results from it. By cultivating these assets, you can be on top. Improving your knowledge with the help of self improvement techniques can give you the success you desire to have in your life.

You earn more by learning more. Engaging in continued personal development could make you live your life with confidence. When you commit and dedicate yourself to continued personal development, you are continuously developing your knowledge, skills and abilities which could pave the way for your success. You should not be afraid of change, for change is the only constant thing in this world and only continued personal development can make you face these changes.…

Car Accidents Involving Drivers With the Same Insurance

You are driving down the road when another driver runs a stop sign, hitting into the side of your vehicle. You check to see if the people in the other car okay, then call the police. While exchanging information with the other driver, you find out that they have the same car insurance carrier as you do, leading you to wonder: How do I file a claim if the other driver has the same insurer? Is the process any different than normal? If so, how?

Read below to find out the answers to these questions and advice on how to make sure you get fairly compensated.

How Insurance Companies Handle Accidents When Both Drivers are Customers

In an ideal situation, an insurance company would handle accidents between two of its’ customers the same way they should handle any other car accident: impartially and responsibly. However, this is not a perfect world, and insurance companies have been caught failing to provide adequate compensation to customers in the sake of their bottom line profit.

When a car accident occurs and both drivers have the same insurer, the insurance company must handle it carefully in order to avoid running into a “conflict of interest.” To do so, most insurance companies will issue each driver their own adjustor. The idea is that both adjustors will evaluate the claim and liability of the accident independently, and present their findings to each other once they have determined fault.

If both adjustors agree that one of the drivers is at fault, then the adjustor overseeing the at-fault driver will process the claim further and provide compensation to the other driver based on their insurance policy.

However, if there is a complication about liability, and both adjustors do not agree about who was at fault, then they will act as if they work for two separate companies to handle the claim. Two adjustors from the same company will never take legal action to determine fault, but rather come to an agreement amongst themselves.

Oftentimes insurance companies waive a customer’s deductible if they are involved in an accident with another customer in order to avoid the hassle of dealing with liability disagreements and a customer accusing them of acting in “bad faith” by making a decision that is not in either driver’s best interests.

When insurance company only issues one adjustor to handle both drivers’ claims, there is a high risk of a conflict of interest. If this happens to you, contact a car accident attorney immediately to make sure you receive fair compensation.

Advantages of Having the Same Insurance

As unfortunate as getting into an accident is in the first place, there are a few advantages when the other driver has the same insurer as you.

For one, speaking to a representative at your own insurance company is always much easier and less of a hassle than contacting an adjustor from another insurer. Since you are a paying customer, adjustors will tend to provide quicker service than if …

Manage Debts the Smarter Way!

Spiraling debts can be a cause of concern for any borrower. They can create an adverse effect on the financial status of the borrower. Wondering how to deal with the troublesome situation? If you are facing financial hardship due to them, it is time to seek help. Debt management might be the solution to all your problems! Read on and find out how…

Know why should you seek this kind of service?

o One affordable monthly payment

o Reduced credit repayments

o The guide to a debt free future

The truth is that credit card debts are usually an outcome of unplanned spending and late repayments. They are the worst debts you would have encountered! You have a number of options to get rid of such problems.

When you opt for solutions with a team of financial experts, the professionals will assess your current financial situation and help you choose options on a spending plan. You can seek help from such experts. They will negotiate terms of your debts with creditors as well! In simple words, they will take care of all kinds of debt problems on your behalf.

There are several ways of managing this kind of problem. To start with, you could avoid credit card usage as much as possible or opt for consolidation finance as a part of the solution. You must begin by trying not to spend too much over your usual balance. This will help you ease your debt worries. Doing so, will ensure that you are on the road to a debt-free life sooner than you had imagined!

Managing payment of credit card bills can be one of the major contributing factors of managing such kind of problem. It saves a large chunk of your money with one single payment every month, well within your reach! It is much simpler to pay just one bill every month. Hence, if you are burdened by this kind of problem, you need not put yourself through any more stress! By following this kind of advice, you can manage your financial problems easily. You can also reach out to financial experts who can take care of your financial predicament.

You must consider these kinds of solutions only after a careful analysis of your personal circumstances and constraints! Make sure you make the company aware of your problems. This will only help arrive at a suitable solution.…

How to Get a Military Personal Loan Up to 20,000 Dollars

Military families, just like traditional families, have needs that are sometimes unmet by the pay that an officer or soldier receives from serving his or her country. If you are serving or have served in the military, including the Army, Navy, Air Force, Marines, Coast Guard, National Guard, or Army Reserves, you can qualify for a military personal loan to meet your financial needs now.

Money For Any Purpose

A military personal loan can be used for any purpose. Perhaps you need to make a major purchase, such as furniture, appliances, or home improvement. Or maybe you need to buy a car, truck, SUV or other vehicle, take a vacation, pay for education for you or your children, or many other needs. Whatever reason you have for needing money, the fastest and easiest way to get the cash you need is through the military personal loan, and military personnel of all ranks qualify.

Borrow Up To $20,000

Military personal loans are available in amounts as small as $2,000 and as much as $20,000. Determine the amount that you need to borrow in advance of applying for your military loan, and borrow only the amount that you need. Remember that this is a loan and must be repaid, so never agree to a repayment amount that is more than you can meet with your current budget and other financial obligations. Military personal loans, just like other loans, will report either monthly or quarterly to the three major credit reporting bureaus – Trans Union, Equifax, and Experian.

Your military personal loan can be either unsecured or secured. The unsecured military personal loan does not require that you pledge security assets in the form of collateral to secure your cash, although you will be assessed a higher interest rate and usually have to repay your lender sooner. The unsecured version is perfect for the borrower who does not wish to risk their assets, or has nothing to use for collateral. The secured version requires that you pledge collateral, usually your home or automobile, and poses a lesser risk to the lender. Therefore, the secured military personal loan costs less in interest, can be repaid over a longer period of time, and features lower monthly payments.

Bad Credit Welcome

If your credit history is less than ideal, you might want to go for the secured military personal loan to improve your chances of approval. Borrowers with bad credit can also apply for their unsecured military personal loan with the help of a creditworthy cosigner. A cosigner should be someone who has established good credit, is willing to sign with you on your loan application, and agrees to repay the lender on your behalf if you fail to do so.

There are many lenders doing business online that write military personal loans for borrowers with all types of credit histories. These online lenders can typically save you money on both secured and unsecured military personal loans in terms of interest because of the increased level …

Make Easy Money Online: Become a Commercial Real Estate Property Scout

There are lots of ways to make easy money online. I am sure you have seen many of them in your email inbox.

One opportunity you may not be aware of is becoming a Commercial Real Estate Property Scout.

What’s a Commercial Real Estate Property Scout?

It’s a person who finds property for investors which meet a specific acquisition criteria.

Here’s the deal: This opportunity has nothing to do with sales, data entry, or any of those other possible questionable online business opportunities you may be aware of.

A Property Scout uses the Internet to search real estate listing databases for properties which meet the investors criteria. There are literally hundreds of these databases, many of which are free to use.

Advantages of the Opportunity

There are many things which make this opportunity attractive.

First, the price to get involved is very modest. It’s under $100 dollars.

Second, the money is really good. Frankly, there’s no comparison between what you can earn doing this and all the rest of the opportunities combined. It truly is one of the ways to make easy money online.

You can really earn hundreds of thousands of dollars a year.

Third, the support the company offers is incredible. While they won’t handhold or baby sit you, they will provide the weekly training, personal direction and weekly Q&A so that you can be successful–that’s more than any of the other opportunities do.

The fourth thing, is that you really can do this from home. There’s no travel involved. Plus it really only requires about twenty hours a week of work on a consistent basis.

The best part for me is that the company, Maverick Real Estate Investments, isn’t one of those schlocky companies promoting the next business opportunity. It’s real. And they sincerely want to see you successful because the big money for everybody involved is made when you find a promising property.

They’re committed to training you to be successful at it.

Maverick Real Estate Investments is in the commercial real estate business. That’s their purpose. And they’ve set up this business opportunity, so that they can attract people to help them find properties which fit their profile for acquisition.

It makes perfect sense if you think about it.

Disadvantages of the Opportunity

Are there bad points? Yes, a small one. But you really can’t blame the company for it, it’s just the nature of the commercial real estate industry.

If you need to make money right away, this is not the opportunity for you. Patience is key. While you can realistically make six figures and up a year, the fact is it takes time to find a property the investors want to acquire. It has to fit their profile (which they’ll thoroughly train you in).

And even when you find a property that meets their profile, they need the time to do whatever it takes to turn the property around which could take as long as 18 months to do.

But still, you have …

How Can I Impress the Interviewer At A Banking And Finance Interview?

Regardless of what many may think or say, first impressions do count and never more so than attending your first interview and especially if that interview is for a position within a professional organization such as banking or finance. So, it cannot be over emphasized that you must present a polished professional image the second you walk into the building.

It wouldn’t be the first time that I have attended an interview and the person due to interview me or a member of the HR department was already waiting for me in the company’s reception area.

Always remember that companies of the stature of which you have shown an interest are looking to hire professional people. People who care about themselves and their career so, look the part and act the part.  Dress conservatively. Preferably wear a well pressed suit and avoid wearing too much jewelry or fragrances. Accompany the suit with a clean white shirt and tie. It’s also important to remember your personal hygiene and cleanliness. Bathe or take a shower, brush your teeth, and make sure your hair is well groomed before an interview as well to present a polished professional image.

Prepare in Advance

Whether you have attended many banking or finance interviews or not, it is likely that you can predict at least some of the questions you will be asked. Take the time to practice giving your answers to these questions. Even though you are not asked that question exactly, there is a very good chance you will be asked a question similar to it. The more you practice the more confident you will be in the interview.

Prepare to give well structured answers as well as practicing the tone and method of delivery. You want to give the impression of being confident but not arrogant. Good interviewers will know that you have prepared and that is no bad thing as they will appreciate how much this opportunity means to you.

Moreover looking the part and being well prepared for the interview will definitely minimize any anxiety or nervousness that almost all interviewees suffer when they walk into an interview.

You have prepared to answer questions. You also need to prepare to ask questions. It is in your best interest to gather as much information as you can about the company and the job opportunity you are about to be interviewed for.

Impress the interviewer by doing your homework. Research the company prior to the interview and gather key information with which you can prepare interesting and intelligent questions to ask the interviewer. This knowledge will help to demonstrate that you have a genuine interest in the company and the opportunity for which you are being interviewed.

This knowledge can also give you an edge over your competitors. You can use it to prepare examples of how the skills set you possess and the experience you have are an excellent fit to meet the needs and challenges facing the organization.…

Starting a Coffee Shop – Funding Sources

Besides having a coffee shop business plan, you need to have your funding source(s) defined when starting a coffee shop. There are many options available for you, but we will talk about the most common.

SBA – So many sources push SBA loans, SBA LOANS, SBA LOANS! Let me first say, the Small Business Administration loan program is awesome, if you can get approved. Although they have loosened up some of the requirements lately, it is still somewhat tough to get approved.

First of all, the government does not loan the money. The standard program is a bank loan though there are some micro loan programs available that use funds from capital groups. Most of these loans are normally collateral loans, and they are backed by the US government similar to HUD and FHA home loans. What that means is that if you should happen to default on the loan, the government will reimburse the bank for certain percentage of the loan amount. That is good for the bank, and good for you if you can qualify for one of these loans. They are tough to get I’ll say again, and there is a lot of paperwork to fill out and file. You also have to have good credit, very good assets, low debt to income ratio, and unencumbered collateral.

Some SBA loans can take some time to get approved and then funded, but if you are approved, they usually have up to a 7 year repayment period and a favorable interest rate. It’s best to talk to an approved SBA lender for particular details, as the bank calls the shots, the SBA only backs the loan. You can work with a local SBA office as well for details or go to http://www.sba.gov

Personal – This is the easiest form of financing, but less likely for most people. Try to put all you can into this venture from your own pocket without ruining your marriage, family or jeopardizing your home. If you do get financing, you will be required to pitch in at least 25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the total you need to start your coffee shop anyway. The more you have in, the more the bank knows how serious you are and more likely they are to fund you. They also know the more you have in personally, the less likely you are to run when the times get tough.

Cash is king. Liquid assets are a great source of funding. Liquid assets are assets that can be converted to cash quickly like stock, bonds, or a 401(k). I only recommend any retirement plan as funding as a last resort. This is what I did when I ran into capital problems and could not get a loan because I was maxed out. It’s best though to leave this money alone and search out other options.

Real estate equity – This is a good source of funding if you have enough equity in your home or another piece of real estate. The …

What Does it Mean to Be a Hero?

When you were a child, were you inspired by stories of knights, supermen and courageous men and women who did wonderful things and changed the world around them? They were your heroes. You looked up to them, didn’t you? And you admired them and read stories about them late into the night? Weren’t you inspired by their courage and hoped you could grow up brave and strong? Weren’t you thrilled by their exploits and their charisma?

What about now? Who are your heroes? Are they baseball champions or Olympic swimmers? Or are they perhaps explorers and adventurers, crossing the North Pole single-handed or rowing the Pacific in a two-man boat?

What does it mean to be a hero? Is it someone fulfilling an ambition at great personal and physical struggle or is it someone doing something for the good of mankind? And why do we all need heroes – what is it that inspires us about certain people and makes us hold them up as examples of greatness?

The truth is that we look up to people who make a difference to our lives while at the same time overcoming personal struggle and hardship to achieve that goal. We admire their bravery and dedication; we aspire to be as courageous and focused as they are to achieve what they set out to do.

So being a hero isn’t necessarily about achievement only. It’s the effect that their achievement has on the rest of us and what we can learn from the struggle and hardship they underwent. They are what we could call exemplars – they are people who demonstrate high standards of character and dedication and who inspire us to achieve the highest that we can in order to emulate them.

However, being a hero isn’t always front page news or the stuff of films. Being a hero can mean working all the hours under the sun and earning enough to send your children to college so that they can have a better future than you had at their age. It can be as simple as making sure that the elderly people in your area are always warm and well fed, or dedicating yourself to improving community amenities and overcoming all the obstacles that get thrown up in your path.

So you can achieve great things like win an Olympic gold medal by being fast on your feet and become an icon. Or you can achieve great things through strength of character and perseverance, and become a hero. You can doubt your ability to complete the journey, but having the strength of character and purpose to overcome your own fears about completing it – that’s the stuff of heroes.

That’s what inspires others – that you falter and doubt your ability to carry on, but that you then pick yourself up again stronger than before, doubly committed to your goal, and you press on to the end.…

How To Obtain Limousine Financing For a Start Up Business

Many enterpreneurs like the glamour of starting a limousine business but the road to their

success may be a little bit more complicated than one might anticipate. This article will concentrate on the financing side of the startup investment and try to give the want to be limo entrepreneur a reasonable assessment of what is in store for them.

Today, most typical lenders aren’t interested in lending money to a start up business for a limousine service. They consider it a high risk type of business and feel that their investment dollars can be better spent somewhere else in their portfolio. However, there a few lenders out there that feel comfortable in the transportation industry and will lend accordingly. Their bankground might be exclusively in this industry and will cover not only limousines but additionally limousines and shuttle buses, coach and tour buses, ambulances and hearsts etc.

Most lenders review the applicant’s background and want to ascertain that they have experience it in this industry and/or have other key employees that can supplement this situation. Additionally, they understand that this start up business may lose money at the start and want a comfort level that the applicant has a nest egg of money. An income producing spouse that can support the cash flow demand.during the start up phase would be a real plus. Additionally, the personal credit of the applicants may be raised to a higher standard to reinsure the lender that he has a qualified applicant.

Once the lender gets passed the initial credit review and the applicant’s qualifications to run this type of business, the amount of upfront money to qualify for a lease becomes an issue. Each lender is different but for the most part they require the applicant to put up somewhere between

10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}-25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the acquired cost of the limousine. Each limousine deal is reviewed separately by the lender because, in their mind, a hummer vs a lincoln stretch has different criteria to them. They review the year, make and model, including the mileage, etc to come up with a financing deal. Many lenders don’t like lending below $25,000 to $30,000 and a limousine no older than maybe three to four years old. Additionally, their leases could run as little as 30 months and as much as 60 months. It is advised for you to look at more than one lender and see what criterial is best for you.

The final part of the financing exercise is to find out how much you monthly payment will be. This can be an interesting exercise because know one is going to quote you an interest rate. I have seen start up limousine businesses being charged anywhere between 14{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}- 38{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} interest per year once you get through all the red tape. This carrying cost is criterical for you to make sure you are able to afford the payment per month because you don’t want a run away business which will be out of balance from the start. It …

6 Creative Ways to Market Yourself As an Insurance Agent

Marketing yourself as a qualified insurance agent is one of the most important components to achieving success. For an agent, success is often measured by the number of clients who make a decision to buy the products and the services that you are offering to them. Proper marketing will help you increase your customer base, but you have to be creative about it in order to stand out from the rest of the agents whom you are competing against. Here are six clever and creative ways that you can make that happen.

Develop a client appreciation program.

When your clients feel like you appreciate their business, they will spread the word to their friends and family. Find a way to show your regular clients your appreciation (Thank You card periodically, free upgrade of service, etc.) and you’ll see your success grow.

Use direct mail.

Sending out postcards and letters to your current clients and potential leads will help expose your products and services to a wide audience. Don’t send out boring form letters, though. Be creative so you can get their attention.

Create a newsletter.

Newsletters are great ways to keep your clients up to date on the latest developments in the insurance industry. There may be new products on the market or important news that they will find interesting. Add a personal touch by adding something about your family or a special greeting. Send out the newsletter monthly or every other month, but be consistent about it either way.

Develop a website.

If you want to compete in today’s business world, it’s essential to have a website for your clients and potential leads to visit. However, it shouldn’t just be any website. You should hire a professional web designer to develop the website so it looks great. It’s also ideal to have a section of your site which explains the products and services that you offer as well as a link that customers can click on to get in contact with you.

Be responsive.

The quicker you respond to a client’s questions or a lead’s phone call, the more successful you will become. By responding quickly, you will show them that you appreciate their business rather than making them feel like a bother.

Publish articles online.

One way to market yourself as an insurance agent is by publishing relevant articles online. You can create a blog, post to ezines or other websites so you can get your name out there. When potential clients and existing customers do a Google search for your name, they will find all of the articles you have posted and they will be more likely to trust the information that you give them.

These are just a few of the ways you can market yourself as an insurance sales representative and increase your success as a result. Find a few agents in other areas who are successful and ask them for their secrets. If they don’t live in your area, they will be more likely …