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Tag: insurance

Money Making Home Business – Scam or Gimmick?

How can you tell the difference between a money making home business and a scam or a gimmick? After all, the difference between a 'gimmick' and 'scam' might be legally different but when it comes to your money making home business … there really is not much of a difference at all.

So before I reveal exactly how to forget the truth about a real home based business, first let's define the difference between a home based business 'scam' and a simple home based business 'gimmick'.

Home Business Scam – I define this as a business that's advertised to provide a reasonable to outrageous income stream but is really nothing but a complete ruse. This is a business that's really set up to be complete BS with absolutely no chance of anyone ever turning it into a money making home business.

Home Business Gimmick – This type of business is usually real and can even be quite profitable … for a few folks anyhow … or for a short period of time. These gimmicks are prevalent on the internet today because the internet is still relatively new so the opportunity for making a fast buck are also prevalent. But is this really what you want as a long term money making home business?

So if you really want a true money making home business, you need to avoid the scams and gimmicks as one will rob you blind up front and the other will have you chasing every fad of the day … do not do either.

Instead, make the smart choice by looking for a real money making home business that you can build upon for years of profitable operation and also improve upon to increasingly grow your profits each and every month.

Now let's look at the rules of a real home business:

Rule # 1 – Your business should sell something other than itself. In other words, if the business you buy does nothing other than tell you to turn around and sell the same business to others, you just bought a 'gimmick' at best.

Rule # 2 – Avoid MLM (multi-level marketing) hell. While it's true that an MLM can provide immunity leverage and wealth, they only provide this leverage for the first and the few people through the door (usually the founders of the MLM). An MLM also violates Rule # 1 as the only way to achieve this leverage is to recruit your friends and relatives into the same business so now you're selling the same business you just bought instead of selling the products of the MLM.

Here's a simple 'reality check'; were you buying the products the MLM promotes before buying the MLM business? If not, what makes you think others will buy these products from you? …

Making Money Fast – The Secret Is There Is No Secret

You've read hundreds of the self-help books, in which the gurus tout a thousand ways to make money and become an almost instant millionaire. The internet is littered with hundreds – yes thousands – of programs that promise incomes of thousands per day, even per hour. You were gullible enough to sign up and purchase some of these provided "wealth-panaceas." Yet you're still living paycheck to paycheck. How come? Read on.

The truth of the matter is that no program, in and of itself, is going to make you wealthy. There still are required two very important ingredients to getting wealthy: commitment and hard work. Now this work and commitment does not necessarily mean that you are going to do slave labor and burning the midnight oil until none is left; however, you will have to put in time and effort and have a goal in mind if you plan on becoming successful. As Confucius said, "Find a job you love to do and you will never work another day in your life." This epigram speaks volumes of wisdom and forms an integral part of my own philosophy toward work, success, and life in general.

The secret to all this is that there really is no secret. So the next time you see someone touting the latest sure-fire success formula for making money online, in life, or whatever, understand that this self-proclaimed guru is peddling recycled and repackaged hogwash. There is no secret to getting wealthy quickly or gaining an instant advantage over others. The secret, if any, lies in fundamental principles: integrity, focus, commitment, hard work, and I would add one other thing – joie de vivre. If you live life with a healthy and positive attitude, you will attract good things. This is really all there is to the so called "law of attraction."

Start living life with a magnetic quality. Talk to everyone you meet and make light of life. Accept that you are already wealthy and watch how your blessings multiply. This principle is one I understand intimately and one that took me forty-seven years to master. This principle can be mastered a lot sooner than that provided the teacher makes the student understand a simple fact: a person can not attract success unless he or she is willing to give up his life for some worthy cause. Once a person has crossed this threshold, he then finds that he not only gains his life back but he gains success as well. Easier said than done, but this truth will set you free. Here's to your success. …

Application Ethics: The Importance of Writing Your Own Personal Essay

As college admissions consultants, one of our primary tasks here at college is to help students write the best personal essays they possibly can. As we've noted before, the personal statement has the potential to seriously help a college understand why they should accept you. At the same time, knowing how powerful a personal essay can make the prospect of writing one seem difficult intimidating.

The stress of writing a personal statement that some students face can cause some to feel tempted to instead cheat the system for fear that they can not succeed or will not be accepted to a satisfactory college otherwise. Some recruit someone or several people to write their essay for them, or even try to submit essays or portions of essays that they find online as their own work. This is considered plagiarism, and we do not condone it in any way.

Because we know how stressful the college application process can be, we'd like to take the time here to remind you that plagiarism is never the answer. Although competitive and complicated, the college admissions process is not an unwinnable game. There are basically no benefits to being dishonest; meanwhile, cheating leaves you vulnerable to endless issues and negative repercussions. What many students do not realize-and what we would like to highlight here-is that it is remarkably easy to identify plagiarism. Chances are, if you do not write your own application essay, you'll get caught – and here's why.

What Counts as Plagiarism?

First, let's clarify what a university admissions committee would consider to be plagiarism to avoid unknowing offenses. Plagiarism is defined as is the act of claiming another's work as your own. The most obvious form of plagiarism in the college application process involves hiring a freelance writer or company who will write your essay for you. Although it may seem appalling, these companies and individuals do exist and operate. However, if you are using their services, it is you, not them, who will suffer through the negative repercussions.

Another form of plagiarism involves copying-and-pasting sentences or entity paragraphs that you did not author into the Common App. Even if you generated some of the content of your essay, one stuben sentence or paragraph is enough to be incriminating.

Additionally, gross over-editing from a parent, guidance counselor, or tutor becomes plagiarism when you are no longer writing the essay but rather directing your family and teachers to do so. What's more, there really is no "fine line" between getting help and plagiarizing-if you are cheating, you will know. It is certainly okay and even encouraged for students to seek advice and feedback from teachers, parents, and guardians. But when you begin to allow your helpers to sit at the computer and type for you, a red flag should arise in your mind. When an editing session reaches that level of involvement, it has usually gone too far.

Why Is Plagiarizing Bad? An Ethical Approach

Before we ever launch into a discussion of …

The Advantages of Homeowners Insurance and Where to Get it Cheap

Most of us have mortgages, and that means we are required to carry homeowners insurance. But required or not, there are some real advantage of having homeowners insurance.

Peace of Mind

One of the largest advantage to buying insurance for your home is that it gives you peace of mind. You know that if something happens to your home, you're protected. You do not have to worry about unpredictable events like fire, floods, or storms – which gives you one less thing to think about as you're trying to fall sleep at night.

Financial Protection

Of course, it also offers financial protection, not just for your home but for your family. For example, if someone is injured while visiting your home, you are protected. If you have to live in an apartment while your home is being repaired after a fire, the living expenses are paid for. If someone steals your laptop computer from your car, you're covered.

Finding Cheap Homeowners Insurance

Even if you're convinced of the many advantages of homeowners insurance, you still do not want to pay any more for it than you have to. So when the time comes to buy your renew your policy, be sure to take some time to comparison shop.

Surf over to an insurance comparison website and see if you can find a cheaper price than you're currently paying. Comparison websites are an easy and convenient way to shop for insurance because you can get quotes from multiple A-rated companies just by filling out one simple online form.

Even better, the best comparison websites offer a chat feature. What does this mean for you? Well, if you have a question about how much insurance to buy or whether a particular type of coverage is available, an insurance professional is on hand to answer your questions and lead you through the buying process (see link below).

Homeowners insurance is typically a few hundred dollars a year – a small price to pay for the protection and piece of mind you receive. …

Homeowners Insurance – Quick Ways to Save Money That Work For Most Homeowners

On the Quest For Lower Homeowners Insurance Rates!

One of the first things that any financial expert will tell you, is that before you make any long term contracts, you should shop around. You probably did not buy the first car you saw in a dealer's lot, and likewise, you should not pick up the first homeowners policy you get an offer for! Well, you may get that first policy, but just like with your car shopping, make sure it is the one you want by comparing that homeowners policy to other ones!

The simplest way to shop around is to use on online quote service. You will only have to enter your information one time, and you should be able to sit back and get competitive quotes. It may seem like a cliche, but it is true that you will save when companies compete for your business!

Consider Raising Your Deductible

Your deductible is your share of the cost for homeowner's insurance loss or damage. The price of a policy with a $ 1,000 deductible is less than a policy with a $ 500 deductible. You may be able to save the difference within a few months, and so opting for a higher deductible is often a good bet.

Do Not Cut Back On Replacement Value

It can cost a lot more to rebuild a home than it cost to buy the home. This is especially true if you bought an older home. On the other hand, you do not need to include the cost of the land in your home value, so that should reduce your premium.

However, when you consider the value of your property, you probably want to insure it for the replacement value and not the current value. If you insure it for current value, the insurance will want to pay you garage sale prices. If you do not want to replace your computer and television set at a thrift shop, then you should insure it for replacement value!

Take Advantage of Discounts!

Most people realize that some insurance companies will discount multiple insurance policies. Consider your auto insurance company for homeowners insurance. Also compare other companies to see what sort of an offer they will give you on multiple policies.

Did you also know that many homeowners insurance companies will give you a discount for safety features you install in your home? If you put in burlar alarms and a fire detection system, most homeowners companies will offer you a discount. Sometimes this discount can be more than the cost of the anti-theft and safety features! Anti-theft and safety devices are a win-win solution for many reasons! …

5 Fundamental Principles of Insurance

Insurance is a contract, a risk transfer mechanism whereby a company (Underwriter) promised to compensate or indemnify another party (Policyholder) upon the payment of reasonable premium to the insurance company to cover the subject-matter of insurance. If you are well conversant with these principles, you will be in a better position in negotiating you insurance needs.

1. Insurable interest. This is the financial or monetary interest that the owner or possessor of property has in the subject-matter of insurance. The mere fact that it might be detrimental to him should a loss occurred because of his financial stake in that assets gives him the ability to insure the property. Castellin Vs Preston 1886.

2. Umberima fadei. It means utmost good faith, this principle stated that the parties to insurance contract must disclose accurately and fully all the facts material to the risk being proposed. That is to say that the insured must make known to the insurer all facts regarding the risk to be insured (Looker Vs Law Union and Rock 1928). Likewise, the underwriter must highlight and explain the terms, conditions and exceptions of the insurance policy. And the policy must be void of ‘small prints’.

3. Indemnity. It stated that following a loss, the insurer should ensure that they placed the insured in the exact financial position he enjoyed prior to the loss (Leppard Vs Excess 1930).

4. Contribution. In a situation where two or more insurers is covering a particular risk, if a loss occurred, the insurers must contribute towards the settlement of the claim in accordance with their rateable proportion.

5. Subrogation. It has often been said that contribution and subrogation are corollary of indemnity, which means that these two principles operates so that indemnity does not fail. Subrogation operates mainly on motor insurance. When an accident occurred involving two or more vehicles, there must be tortfeasor(s) who is responsible for accident. On this basis, the insurer covering the policyholder who was not at fault can recover their outlay from the underwriter of the policyholder who is responsible for the incidence.…

5 Must-Read Business Books

The self-employment bug is in the air… and it’s highly contagious.

How do we know?

Exhibit 1:

The explosive growth of coworking spaces. These airy, light-filled, lease-free flexible office arrangements are popping up in droves and teeming with entrepreneurs who gather to collaborate and innovate.

Exhibit 2:

A recent Forbes article suggests a record number of Americans scratched the entrepreneurial itch in 2013. Data released by Babson and Baruch Colleges suggests that last year 69{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of new businesses in the U.S. started at home and that 15 to 20{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of our workforce is engaged in running a startup or a more established business.

Exhibit 3:

We can personally attest to a surge in demand from our clients for small business tasks such as website development, logo design, social media scheduling, and PowerPoint creation.

Once we became a trusted resource, clients wanted a one-stop-shop. In addition to handing off those pesky time-consuming tasks that we happen to love (like negotiating with your phone carrier on overage charges, or seeing if “unbundling” your cable is even an option) clients wanted us to sort through their inbox and file them accordingly (how nice would it be to open up Outlook and see a big fat goose egg-zero-emails!).

We were only too happy to oblige. We hustled back to the drawing board, built up the team we needed to sufficiently add to our repertoire, and launched our Premium Service offerings.

Now, we’re proud to be a go-to resource for affordable outsourced business services.

As we send each of you off with a newly launched website or punched up logo, we’re silently applauding you. We’re rooting for you. We want to see you succeed. That’s why we’ve compiled a list of five actionable business books that’ll provide you (or the newly minted entrepreneur that you love) with the advice, insight, and tips they need to persevere.

Afterall, coming up with the idea is the easy part, where entrepreneurs often fall short, is in the execution. You’re the glue that holds it all together. You’re going to need to become a master delegator, persuader, communicator, team builder, and goal setter. Our top 5 picks address each of these issues.

1. The Four Hour Workweek, Timothy Ferriss

Whether you’re in a soul-sucking job, or trapped underneath your own business, Tim Ferriss teaches you how to “escape the 9 to 5, live anywhere, and join the New Rich.” He’ll break you of misconceptions, such as the need to work 40+ hours per week to be successful, and instead advocates newfangled ideas such as a series of “mini retirements.” He’ll show you everything you need to establish a business that runs without you, and get you focused on how to streamline, eliminate distractions, and automate.

2. Think and Grow Rich, Napoleon Hill

One of the best-selling books of all-time and an acknowledged wealth-creating tool, Think and Grow Rich has sold over 70 million copies-and for good reason. Napoleon Hill, a former advisor to President Roosevelt, spent 20 years interviewing …

Offshore Cooking Jobs – Cooking Up a Storm Offshore

Offshore cooking jobs provide some of the best opportunities to break into the offshore drilling industry. Regardless of whether your ambition is to become a Chef, or to look for an opportunity to get on the drilling crew, there are plenty of ways to make a career and move up the ladder once you have your foot in the door, and cooking offshore is a great way to go about it.

Cooks on an oil rig are typically part of the catering department, which includes the Camp Boss and Chef, Bakers, Stewards, Galley Hands, Utility Hands and Housekeepers. On smaller rigs, some of these roles may be combined; for example, the Steward could be the day cook as well as in charge of managing the kitchen and the housekeeping crew. On larger oil rigs, you’ll find multiple positions for many of these jobs.

Most offshore drilling and oil service companies contract out the entire catering department. This means that your best shot at getting hired to work on a oil platform is to hire on directly with the catering companies. Some of the better and well known food service companies that cater offshore include Sodexo, Trinity Catering, Delta Catering, Taylor’s International, and Sonoco, to name a few of the US Based catering companies.

Sodexo is international, and employs people on oil rigs in 80 countries around the world. Worldwide, they employ over 350,000 people. Working for Sodexo provides an incredible opportunity for the ambitious, namely, the opportunity to work all over the world. If you enjoy traveling, then Sodexo is a great company to consider working for.

In Canada, Reliance Offshore is the company to work for, and they have a lot of openings, and will have even more in the future as the offshore fields in the waters off of Newfoundland begin coming online and producing oil. They are unique among offshore catering companies in that they recruit for a variety of offshore positions, not just for the catering department; they also hire deckhands, riggers, welders, motormen, electricians, and crane operators, among others.

All of these companies have online application forms, and all of them have openings. As one example, Delta Catering, a 34 year old offshore catering company, is currently hiring experienced Chefs, Sous Chefs, & Line Cooks, and offers competitive pay, credit union, health and dental insurance, and a 401 k plan. They are also accepting applications for housekeeping staff.

If you don’t have cooking experience, you can still get on as a Galley Hand, and learn the trade on the job. If you are determined and persistent, and apply with all of the above, you are almost certain to find work. If you are able to, you should strongly consider making a trip to Louisiana and applying to the catering companies based in Lafayette in person – call first, but applying in person is really the way to go – you could start work the next day.…

Home Insurance Rates – Things You Should Know Before You Buy A Home

Following are ways to reduce your home insurance rates when you are trying to buy a new home …

1) You'll generally spend less for a newer house than an old one. You can be given between eight to fifteen percent markdown if your home is a new one. The simple reason for this is that a new house usually has electrical, plumbing and heating systems that are in excellent condition. In addition, all about its structure is usually in the best condition. .

2) Your premium will be significantly lower if your house is built with the best material for your area. A brick house will get less expensive rates in the East. This is because brick is far more resistant to damage from wind than frame. In the West, on the other hand, you'll get more affordable premiums if yours is built with frame. This is due to the fact that earthquakes are perils in the West and frame houses are more resistant to earthquakes. Using the more resistant stuff will give you up to a 15{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} rates reduction depending on the insurer.

3) Considering that your major reason for buying home insurance is to guarantee you're properly covered from the risks of a home loss or damage, I'll add this notwithstanding that it's not a benefit of your homeowners policy. People who have homes in flood-release areas pay an additional $ 400 annually for flood insurance. Every mortgagor will require that you buy flood insurance if your house is in a flood-prone locality. You can avoid such unnecessary expense by buying a house in a locality that does not suffer such.

4) Those who buy houses in neighborhoods which have full-time fire service attract lower premium than folks who stay in localities with only a volunteer fire service. Moreover, the darkness of your home to a fire hydrant and a fire station determines your rates. People who live near to firefighters or fire fighting facilities get more affordable premiums all other things being equal.

5) You'll save more if you buy a house as close as you can to a police station. This as well will help in lowering your homeowners insurance premium.

6) Is the neighborhood a trouble zone? Living in those places joins higher rates in home insurance. Two homes a street apart could fall into opposite risk areas on an insurer's map. It will be a smart move to ask an insurance site before you finally settle for a house. It's possible that the home on the next street belongs to a high crime zone (according to an insurance company's map) while yours is in a better crime zone.

Take out some time to visit at least 3 quotes sites that provide quotes on home insurance policies. It should take you not more than 15 minutes. As you visit each quotes site, ensure you give the same information. Doing otherwise will give you misleading quotes. After you've received your home insurance quotes, compare them …

Personal Financial Debt Crisis Solution – The Golden Rule and Guidelines

Letely we have been inundated with news in the media on the financial debt crisis in Europe and also on perhaps the mother of all debt crises in the USA. We do not need an economics guru to tell us why such crises occur as we all know that debt arises when nations need to borrow to spend more than what they can afford.

Zeroing in on a personal level, each of us will also suffer a similar financial debt crisis if we need to borrow to spend on things we can not afford. So, how do we solve our personal debt crisis? The golden rule is never to get into debt. Easy is not it? If I do not have a debt, I do not have a debt crisis and can dispense with thoughts of having plans for debt consolidation, debt management, debt relief or similar solutions to debt problems. More importantly, if I am in debt, I will be a servant to the lender and that is not a good position to be in. "Easier said than done" will be the obvious retort from many. Neverheless, if wisdom, knowledge and discipline are with us, then our spending needs and cash management will be well-guided and will not land us in debt.

Living within our means is a key principle and is even advocated in mainstream religious teachings. The Christian Bible discourages Christians to be in debt and if in debt, to get out of it as quickly as possible. However, how many of us can keep a golden rule and not break it? Life is not so simple and most of us will incur a measure of debt at some points in time. Whilst the use of debt may be unavoidable, especially when there are so many financial institutions tempting us with "easy" money via credit cards and personal loans, we need to carefully evaluate the purpose of such a use.

So, under what circumstances would it be alright for one to engage in the use of debt? There really are no right answers applicable to each and every individual and every particular situation. Perhaps the following could serve as useful guidelines in the use of debt:
a) Do not buy something because it is on sale without that item is really needed.
b) Acquiring an asset, purchase one that is really needed (like a dwelling place), capable of appreciation in value, and can also easily consumed when needed to do so.
c) If there is really a "sure winner" investment, then ensure that the item can be disposed of at a value greater than its purchase price when required to do so.
d) A caveat to the above will be to ensure that there is always sufficient cash to pay the installments or repayments without damage to cash required for daily essentials.

In summary, this short article is not intended to prescribe solutions to manage and get out of debt but to encourage us to refrain from …