If you are in need of cash, a personal loan might be just what you need to be able to pay your bills. Many people who need money fast overlook the option of personal loans because they do not understand how they work. Or, they do not think that they will be able to qualify for one of these loans because they have a less-than-impressive credit score.

The truth is, however, that you can find personal loans even if you have a very low credit score of under 600 or even 550. There are several types of personal loans to choose from, including secured loans, unsecured loans, and auto title loans.

Secured loans are where you put up some sort of collateral – something of monetary value that the lender could easily sell in case you fail to pay back the loan principal. Because this type of loan is secured, it means that you can expect to pay slightly lower interest rates. Also, your credit score will not be much of a factor with these loans, since the fact you are putting up collateral helps to reduce the lender’s risk in the deal.

Unsecured loans, on the other hand, do not require that you offer up any collateral to the lender. That’s a good thing if you do not want to put something of value up for possible sale by the lender later on. However, the drawback is that you will have to pay a higher interest rate on your borrowed money.

An auto title loan, meanwhile, is very similar to a secured loan. In fact, it is a form of secured loan. With an auto title loan, you are using your car’s value as loan collateral. In the case of this type of loan, you are risking losing your car. And, interest rates can be pretty high.

If you can, your best bet among these 3 options is to go with an unsecured loan. Surprisingly, even if you have a bad credit score you should be able to find a bad credit lender who will lend you the money you need.

The trick to doing so is this: you do not want to just walk through the front door of any old personal loan lender and ask for a loan. Rather, you will first want to do your homework. Find a notepad and a pen. Then, start searching for personal loan lenders who make it a point to deal directly with people who have low credit (FICO) score. Take good notes so you know whom to call and who is offering you the best deals.

You see, bad credit personal loan lenders will not be nearly as hung up on your credit score as would be most lenders. While most lenders will run away screaming at the sight of a FICO score below 550, a bad credit personal loan lender will automatically see that as a challenge to try to meet or beat. By applying with them directly, you …

Many people have turned their love of cooking and entertaining into a good living by starting catering businesses.

Catering is a multi-billion dollar industry in the U.S. and as one of the fastest growing segments of the food and beverage industry, the catering business offers great opportunities for those wanting to start a small business with a low start up cost.

In this article we will look at catering business profits, earnings and salaries and how much money it is really possible to make in this industry. Then we will examine some of the things that separate the really successful players from the amateurs.

Is a $100,000 Yearly Profit Possible in Catering?

Many people consider a $100,000 pre-tax salary or profit to be a benchmark for success and they wonder if they can reach this level of earnings in catering.

Most small catering business owners who put in the effort can expect to earn between $20,000 and $40,000 profit per year for the owner during the first couple of years. After a couple of years in the business, you can easily scale up to earning a ‘six figure’ annual income from catering.

Tips for Getting to the ‘Six Figure’ Level

1) Forget catering from your home kitchen if you want to get to this salary level. Business savvy caterers do volumes that require them to either rent commercial kitchen space by the hour, arrange access to restaurant kitchens during off-hours or focus on ‘on-premises’ jobs only and use the kitchens of their clients.

2) Successful players love spending time creating menus, following food trends and interacting with people without neglecting the business side of catering.

3) Start to create a powerful brand right from the start with your logo, company values and unique service that will grow into a valuable asset that allows you to command a premium price for your catering services in the market.

4) Develop systems for every part of your business to streamline day-to-day operations. Analyze the way that you and your staff work and strive to increase productivity.

5) Understand that there are ‘niche’ markets within the catering industry that you would never think of until you really start looking. Top caterers find these untapped opportunities, and carve out a business catering to the specific needs of these groups.

6) Perfect the process of consulting with new clients and learn how to politely up-sell them on some of your more expensive offerings.

7) Realize that you are leaving money on the table if you don’t also up-sell additional event related services to your customers.

8) Learn how to hire, train and organize a small team to assist you with food preparation, delivery, service, and even sales if you want a realistic chance of getting to an income level above $100,000.

9) Don’t neglect traditional advertising methods but also pursue other modern marketing methods such as networking, cross promotions and guerrilla marketing.

10) Successful caterers also recognize the importance of customer referrals. Customers may introduce friends …

If you have integrity, nothing else matters. If you don’t

have integrity, nothing else matters. — Alan K. Simpson

If I were to ask you what attribute is the most influential

in regard to the success of a business, would you know

immediately which one is the most important? Based on my

many years as a business owner and entrepreneur, I have

discovered that at the very top of the list is the

distinguishing quality of integrity. Without integrity at

the helm of a company, a business is usually short-lived. In

fact, when business integrity is present throughout the

deepest layers of a company and not just at its surface, it

becomes the heart and soul of the company’s culture and can

mean the difference between a company that succeeds and a

company that falters.

The Internet’s Immeasurable Impact on the Marketplace!

The importance of integrity has always existed among the

business community, but in recent times has been shown as

falling short. It is the Internet’s immeasurable impact on

the global marketplace that is now making the expression of

integrity, reliability and credibility extremely important.

Furthermore, the consequence of global competition means

that customers will simply not consider a company that shows

any less than the highest level of integrity. Since there is

a wealth of competitive companies easily available and

accessible via the Internet, there is in fact no need to

accept anything less than the best.

Where Does Integrity Start?

In an effort to build upon a foundation of integrity, the

first requirement would be to establish excellent rapport

with clients. Based on many years of study, the best and

most practiced method for achieving rapport is by way of

Relationship Marketing. Just as it sounds, Relationship

Marketing is founded on the single and most critical

characteristic, known as “Integrity.” However, achieving

true integrity with clients often leaves many an

entrepreneur bewildered, grasping for techniques and

strategies that guarantee their futures. But integrity is

not something that can be grasped and then simply used.

Integrity in its essence must be so ingrained within the

nature of an individual, its company and the team members,

that it remains steadfast no matter what. Without question,

others sense it and find it very attractive.

The True Nature of Integrity!

Now you are probably asking yourself, what is the true

nature of integrity? There are in fact some very basic

principles that surround the qualities of business

integrity. At its core, integrity begins with a company

leader who understands the qualities of integrity which then

filters down throughout the company into every department

and every member’s approach and attitude.

In recent research performed by the Institute of Business

Ethics- an organization which is among the world’s leaders

in promoting corporate ethical best practices, it was found

that companies displaying a “clear commitment to ethical

conduct” almost invariably outperform companies that do not

display ethical conduct. The Director of the Institute of

Business Ethics, Philippa Foster Black, stated: “Not only is

ethical …

There are some people that have an acreage having a few acres of land or a large yard and have nothing to do with it. It is best that you farm on it so that the land becomes productive. You can after all take advantage of farm equipment loans so that you can get started on your new venture. You’ll surely need a tractor to help you maintain your land however the problem of most people is that they don’t have cash to buy one. Good thing there are actually several ways that you can finance a tractor for your farming. Be sure to follow the steps below because these ways require planning and advice.

To get started, you need to know the exact size of your land. This will also help you enable to find out how many tractors you will need. This is not enough however, of course you will need to find out how much you can exactly afford. Depending on the terrain of your land, you might need one or several types of tractors. A farm equipment loan can definitely cover this for you. Tractors come in an array of sizes and horsepower or engine sizes. You need to be sure that the workload you will subject your tractor to is only that it can carry. Other options for tractors also vary which includes but is not limited to wheel configuration. Again this depends on the terrain of your land and the type of soil that you will toil. There is an online tractor data guide for your information that you can visit to help you determine the type of tractor that you need when you apply for your loan.

Bear in mind that when you shop, shop only for tractors that fit the horsepower that you need, nothing more and nothing less. Also, be sure that you consider your repayment ability. You wouldn’t want to buy something that you really cannot afford. You can look into the classified ads, local sales lots, or again try to go online to look for good deals. The latter option usually can get you hundreds of results within just a matter of minutes so it’s very convenient.

To have a better chance of getting approved for your tractor loan, it is best that you put together an impressive business plan that shows the reason why you need a tractor, how much it costs, and how profitable your upcoming business venture would be because this will determine that method of repayment that you’ll have to pay off the loan.

You can also ask dealerships if they have financing deals to take less stress off of your budget. Most of them do offer financing deals. Be sure that you bring with you your business plan and know the type and model of tractor that you’ll need. Prepare well to show them that you have the ability to pay off everything in due time. In no time, you can bet that you …

In this article, I will give you tips in starting a window cleaning business, specifically how to get a customer base. Many of the principles will help you become a professional window cleaner.

1. Be professional.

Being professional starts before you even look for window cleaning customers. You need to make sure your image is appealing. Small things like having neat clothing, neatly trimmed hair, good personal hygiene and wearing a smile, have a massive positive impact on someone when they open the door to you. Would you let a slovenly dressed smelly individual who you don’t know work on your house? I thought not. Next, have a well prepared message in mind. Something along the lines of “Hello, I am a local window cleaner and I was wondering if you needed a window cleaner yourself?” It is short, polite and to the point.

2. Get business cards.

The business card is the foundation of all of your advertising for your window cleaning business. Your business card should be well designed and have all of your relevant details without being cluttered. You must put your card into the hands of everyone you can including friends, family, current customers and prospective window cleaning customers. Now you are ready to hit the streets!

3. Canvass, canvass, canvass!!!

Canvassing for window cleaning customers to some may seem demeaning, almost ‘begging’ for work. For that reason, many send out thousands of flyers by hand, which is not effective use of your time, or via local newspapers or magazines, which can be costly. In my experience, householders like to see the window cleaner they will deal with each month. In my experience, the most effective way to canvass is by knocking every door in the street, and by making sure you speak to the owner of each house, not the kids, babysitter, gardener etc. Speaking to each individual is far more effective than pushing a flyer through the door. When was the last time you looked at a flyer and bought that product? Probably never. Going in person to advertise your window cleaning business gives it an instant personal touch that is essential. After all, as their window cleaner you will have access to their property and they want to be able to trust you. The first key to trust is knowing what you look like!

4. Respond professionally.

Should the householder refuse your window cleaning services, politely ask to leave a business card should they need a window cleaner in the future, or if they have a friend that needs a window cleaner. This has the same effect as a flyer, but at least they have met you and will recognize you when you are window cleaning in their street in the future. If the householder asks you to give them a quote, be sensible in your price for them, but more importantly, for yourself. Pricing for window cleaning is an article in itself. Should they accept your quote, again, be professional. Have a …

Each and every day, entrepreneurs, job seekers, freelancers, employees, and executives hand out business cards. It happens in offices and on the street… during chance meetings and networking events… in between friends, new associates, or newly united strangers.

With all of these cards being exchanged, it’s very important to have a business card that stands out from the pack — one that grabs attention the instant it’s placed in the palm of someone’s hand. After all, there’s nothing worse than making a first impression with a dull and drab card.

Perhaps the easiest way to stand out is to have a business card that doesn’t look or feel like all of the others.

Enter the square business card.

Square business cards instantly stand out due to their shape. It’s almost impossible, in fact, to be handed a square business card and NOT look at it before you put it in your pocket. That alone can make it a better marketing tool than other, more typical cards.

Another benefit of square business cards is that they offer extra space for content. Considering more content equals a greater opportunity for selling yourself to prospects, employers, or referral sources, that can be a big advantage.

So are square business cards all good? Are they an automatic brilliant idea that anyone and everyone should be using?

Of course not.

The thing is, standing out visually can be accomplished in so many ways. There are 3D, plastic, translucent, metal, edible, die-cut, embossed cards… and countless other eye catching attention-grabbing possibilities. Square business cards are but ONE way to do it, and what’s right for one person is certainly not right for everyone.

When you consider that the atypical shape may make storing your square business card more difficult (in a stack of others, or in a business card book, for example) it may not necessarily be the most convenient. And as for the benefit of added space to tell your story… well, fold over cards offer that benefit as well, but they can retain a typical shape as well.

The bottom line is that square business cards will be a great way to stand out for some — and not right for others. It really does depends on what you do, where and to who you distribute your cards to, and the concept you have in mind. If a square design seems right — go with it. It’s certain to stop your recipients in their tracks, giving you ample time to make that big and lasting impression!…

Many people think of financing in terms of vehicle purchasing. In a typical financing plan, buyers can spread out payments over a period spanning 24 to 36 months. Fortunately these days, buyers who wish to upgrade their vehicles can also get financing on aftermarket parts. Aftermarket parts are designed to add more practicality and utility to trucks, cars, and SUVs. These parts range from performance parts, work parts such as tow hooks and shackles, off roading gear, or general protection of truck bumpers, radiators, and grille. With financing, you will not have to shell out all money at once, and the protection can help drivers save on the costs of repairs in the long run.

Bill Me Later

Bill Me Later is one of the most effective ways to get financing for aftermarket parts. Bill Me Later is a secured financing company in partnership with PayPal. When looking for financing for aftermarket parts, simply ask if the store will let you check out online with Bill Me Later. This payment program offers low financing and relatively easy credit approval. Purchasing with Bill Me Later can be completed in one of two ways.

If you do not have a PayPal account, you will need to sign up for PayPal first. Choose to checkout with PayPal when you are making your purchase. Create a PayPal account and select Bill Me Later as an option. You will be asked to fill out a short form and then wait for approval. This type of approval is usually instant and your purchase process is complete. If for whatever reason your application is not approved, you will simply be re-directed to your site and can choose other payment options.

If you already have a PayPal account, you can simply sign in to PayPal from a store checkout page and pick Bill Me Later as your checkout option. You will be asked to fill out the short form and wait for their approval. If the application is approved, then your purchase is complete. If not, then you will have to pay through PayPal the standard way.

Bill Me Later is currently a very popular option for financing due to customer choice such as offering interest free payments if the customer pays off balance in six months. Alternatively, the customer can chose to make no payments for 90 days, and then follow up with a low interest rate.

Other Financing Options

Other financing options also exist for getting the right aftermarket parts for vehicles. Many companies offer coupon codes for purchasing bulk orders. It is advisable to call companies ahead to arrange discount for bulk orders. Other financing options that are available include student discounts, military discounts, and layaway plans. These typically vary by company and shoppers can normally obtain these rates by contacting a representative.

Conclusion

While most people use financing plans to pay off their vehicles, few people realize that they can get financing on aftermarket parts to improve their vehicles over time. Whether a car …

Thoroughness is the key when preparing a settlement brochure or demand package to attempt settlement of an injury case.

Here are 32 tips gleaned from over 20 years experience that comprise a checklist or template to make sure your booklet is as complete as possible.

(Note: in this checklist the “settlement brochure” is sometimes called the “demand.”)

1. Order PIP/MedPay payments ledger from your insurance company (the company of the car you were in at the time of the accident.)

2. Receive the PIP/MedPay payments ledger.

3. Check the ledger for any other doctors, clinics, prescriptions etc. that you had overlooked.

4. Make a complete list of all of your doctors, hospitals etc.

5. Request impairment rating or final narrative report letter from one of your treating doctors.

6. Obtain all Medical Bills.

7. Obtain all Medical Reports and records.

8. Mail or fax to your employer a LOST WAGES REQUEST LETTER. This asks your employer’s human resources department for:

1) your hourly wage at time of accident, and

2) how many hours were missed because of the accident.

9. Once you have received lost wages information from employer, calculate lost wages.

10. Check dates of service on ALL medical bills, prescriptions, reports, records, etc. Make sure bills are current and include all services to date.

11. Arrange medical bills in chronological order, keeping all of one doctor’s/clinic’s bills together, then list each doctor/clinic, and total expenses from that clinic, on MEDICAL SPECIALS SUMMARY in same order. Note: in injury cases, medical bills are known as “medical specials.”

12. Check for prescriptions. Add to MEDICAL SPECIALS SUMMARY.

13. Have any of the doctors predicted a specific need for future treatment? If so, add amounts to bottom of MEDICAL SPECIALS SUMMARY. (Place a copy of future medicals documentation in future medicals section of demand.)

14. Read medical records and reports to identify any problem areas. (In reading, if another doctor/clinic is mentioned check on it to see if there are more medical bills.

15. Organize medical records and reports in reverse chronological order.

16. If this is an uninsured/underinsured motorist case, gather information that is evidence of existence of an uninsured or underinsured motorist.

17. Obtain liability or jury verdict research. Note: if there is an issue as to liability it is helpful to enclose legal research that supports your position. This may be obtained from a law library.

18. Draft DEMAND LETTER. This is the cover letter for your brochure that summarizes all of the information.

19. Type DEMAND LETTER, MEDICAL SPECIALS SUMMARY, FUTURE MEDICALS SUMMARY, and LOST WAGES SUMMARIES.

20. Proofread DEMAND LETTER, MEDICAL SPECIALS SUMMARY, FUTURE MEDICALS SUMMARY, and LOST WAGES SUMMARY. Check date of accident on accident report against the date in letter.

21. Check verdict amounts in comparable verdicts with what is typed in demand letter.

22. Check spelling on medical terms, and on doctors’, clients’ and adjusters’ names.

23. Check to see that all dollar amounts and numbers are correct numbers.

24. Check all dollar …

Financial Performance Measurement

The motive of every business is to achieve the bottom line of maximum financial benefits. In order to comply with the same, companies have come up with financial performance measurement techniques. The very idea is to ensure that no matter what the resources do and the way they function, they would have to show profits in the profit and loss statements. It is carried out generally in three different steps. They have been mentioned as follows:

Firstly, it encompasses selecting the goals of the organization.

Secondly, and also as the most important part, it is to consolidate the measurement of information with respect to the performance.

Finally, the required changes made by the managers so as to serve as a remedy over the weak links in the financial charts of the company. So, one can say that the financial aspects of performance measurement is basically sales driven. There are certain milestones that companies set for employees. A deficiency in being able to fulfil even a certain process can be harmful for the position. So, this method of performance measurement is also known to show certain insecurity for the employees. Hence, it might not give the most authenticated results. Business Performance Management is by and large measured by the financial aspects of performance measurement. The specific techniques for the same have been mentioned as follows:

Approaches to Financial Performance Measurement

Economic Values Added

This method deals directly with the economic profit of the organization that goes directly into the balance sheets. This method in other words can be used to measure the Net Operating Profit after Taxes. There are also certain adjustments that are made in the calculation of Economic value added so that the companies can make it more synchronized with the profit entry in the profit and loss statements. This method is generally used by lower stature companies these days. The reason for the same is that at the moment, the companies can afford to look at the business functioning only from the financial perspective. There is much more to achieve.

Activity-Based Costing

The fundamental law of economics says that management would have to make the most from the least resources that are available to them. In regard to keeping with the statement, the companies generally identify the processes that are in the system and then classify them as separate activities. Followed by this, the companies assign separate costs to each of the activities. This can be done in the form of direct and indirect costs.

Reason for shift from Financial to Non-Financial aspect

In other words, we can say that this is also a form of performance measurement on the basis of finance aspects. One can assign costs to each of the activities, but then there are always, restrictions on the use of the activities that are highly expensive. Once, again, this method would not be applicable in the long-run. The reason for the same is that this method forms a hindrance to the long-term …

1. Builder’s All Risk Insurance:

Usually during the contract negotiation stage, when it is as yet unclear as to which party will be accepting which liabilities, which party will be responsible for procuring the insurance and absorbing the deductibles, etc., both parties look more deeply into the breadth of available BAR coverage.

We can say that Builder’s Risk Insurance for the energy class of business provides coverage under three different forms:

  1. London Institute Builder’s Risk Clauses 1.6.88 (CL 351) – or American equivalent
  2. WELCAR form
  3. Custom forms tailor-made to specific risks or Owners or shipyards.

Is the protection provided under all BAR policies the same? No! For a comparison between wordings please contact a trusted insurance broker of your choice.

2. War Risks and Strikes, Riots, Civil Commotions (SRCC):

a. Institute War Clauses Builder’s Risks 1/6/88 (CL 349) –

Coverage incepts once the vessel is launched (or wet) and provides coverage for loss of or damage to the insured vessel / rig caused by:

  • war, civil war, revolution, rebellion insurrection, or civil strife arising therefrom, or any hostile act by or against a belligerent power
  • capture seizure arrest restraint or detainment, arising from perils covered above, and the consequences thereof or any attempt thereat
  • derelict mines torpedoes bombs or other derelict weapons of war.

b. Institute Strikes Clauses Builders’ Risks 1/6/88 (CL 350) –

Provides coverage for loss of or damage to the insured vessel / rig caused by:

  • strikers, locked-out workmen, or persons taking part in labor disturbances, riots or civil commotions
  • any terrorist or any person acting maliciously or from a political motive.

We recommend that this coverage be amended to include Vandalism and Malicious Mischief.

Please also review if the terrorism coverage provided under this clause is either restricted or broadened, or if there are any other applicable clauses such as Sabotage & Terrorism Endorsements. In any case, be sure that the coverage afforded is adequate for your Client so your Client makes an informed decision.

3. Liability – Insurance coverage that protects an insured against claims made by third parties for damage or injury to their property or person. These losses usually come about as a result of negligence of the insured. In marine construction, this policy is referred to an MGL, marine general liability policy. In non-marine circumstances, the policy is referred to as a CGL, commercial general liability policy. The construction contract should determine which parties are liable in which instances for losses of Third Party Liability nature.

Insurance policies can be divided into three broad categories:

  1. Product Liability – Protection against a Manufacturer’s liability for injuries or property damage after a manufactured product has been sold. Extraordinary liability accompanies the manufacture of a product.
  2. Completed Operations – Protection against a Contractor’s liability for injuries or property damage suffered by Third Parties as a result of the Contractor completing an operation.
  3. “Trips & falls & damage” – Protection against injuries or property damage on premises or hulls within care, custody, control of a party.