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Tag: insurance

The Advantages of Having Personal Productivity Software

Personal productivity software is an application that no business should be without. This is because of the simple fact that this piece of software makes a great contribution when it comes to ensuring productivity in the workplace. But if you are not too convinced about the importance of purchasing personal productivity software just yet, well, this is actually normal. A lot of business men do become wary when presented with the notion of purchasing such software because computer software is a bit pricey in the market right now. However, when presented with the many benefits businesses enjoy with these software applications, the activity of convincing businessmen becomes very, very easy to do.

So, why exactly do you need personal productivity software in running your business? First of all, this piece of software can give any type and size business the professional touch it needs. The software comes with applications and programs that make it very easy for you to produce professional looking letterheads, marketing reports, brochures, mailing campaigns, and the like. Even the simple act of developing professional looking paychecks is easily done with the use of such software as well. And this is just one of the minor benefits that come with such software!

When you get the basic package, you actually get a word processor, a spreadsheet application, presentation software, and the like. For a more cost-efficient option, you could consider getting one of those suites that contain a number of these tools. This way, you are sure to get more value for your money. Some examples of these suites include Microsoft Office, Sun Staroffice 8, Microsoft Works, or Corel WordPerfect Office. An interesting fact about Microsoft Works is that it actually comes free with personal computers. Aside from these suites, you can also choose to get supplementary software packages that can make your whole life easier.

One of the popular software packages includes QuickBooks. This choice is popular because it is known to be very efficient in handling and managing inventory and business finances, such as payroll and benefits packages. Now, with all these abilities, you have to be sure to allot a hefty budget for your suite of tool and the additional applications and programs you would be getting. The typical price for suites and the individual applications range from a hundred to five hundred dollars. So, if your PC is meant for more than just doing the regular email and the basics on word processing, then you should consider this option thoroughly.

You may also be worried about the hidden and recurring fees that might come with having personal productivity software installed in your system. Yes, they do come with long term costs, but these are just minimal when you compare them to the benefits you would come to enjoy with the software. An upgrade would occasionally be needed, especially after a few years or so with your own application suite. Plus, your business should be growing in a few years, right? Thus, it would …

The Power of Blessing Your Money

We all know that, to open the channels of abundance and prosperity we need to bless money and those who have it and use it for the good.

Of course, it is not up to us to judge why a person needs to use the money to buy expensive cars and mansions when half the world is starving. We also need not judge the actions of others. This is not how prosperity comes about. Accepting the fact that it is all right that others have money and property is an important step in opening up our channels. That means that, if there is money for others, there is also money for us. The Universe is very generous and there is enough for everyone.

So you need to bless. There are several things that you can do to start right now. Here are some of them.

1. Bless your money

You may think that you can’t bless it because you don’t have any. Not true. It doesn’t matter how much you have, as long as you focus on it, and not on how much you don’t have. Think about the amount you have and bless it. I love to say the following affirmation when I think about my money: “Divine Love blesses and multiplies all that I have, all that I give, and all that I receive.”

2. Bless your stuff

What are your possessions? Bless them all. You will realize that you have much more than you think you do. Bless you refrigerator, your washing machine, your car, your furniture, your decorations, your lamps and shades, your telephone, your computer, your dishes and silverware, your toiletries, your pens and papers… You get it.

3. Bless your bills

Now this one seems to be the most difficult. Who wants to bless the credit card bills? Or the phone, or the energy bills? However, your bills reflect great abundance because they tell you that you have been enjoying certain things that you deemed important or necessary, and that made you live more comfortably or that made you feel good or that helped you achieve something. For example: you used your credit card to pay for gas. This gas made your car take you to places you wanted or needed to go. Bless the gas bill.

4. Bless your source of money

Now, here you have two choices and you want to bless them both. The first is your job, which is one source. Even if you don’t like your job, remember those who don’t have one and hence, don’t have this luxury of making money on their own. The second source is the Universe, or God. When you trust that “God provides” you let go of mistrust and you will notice that the Universe has always something for you, no matter how difficult is your present financial situation.

5. Bless others

If you see a car that you like, bless the car and the driver. If you see a house that appeals …

Turn a Life Casting Hobby Into a Profitable Profession

You have indulged your hobby of making molds and casts. Now you are not only proficient in clay modeling and resin or silicone casting but have also become quite skilled in the art of life casting. You can deftly capture a mold of a hand or foot or even face and reproduce a striking likeness complete with the minute hair, pores and other marks.

So why not turn this passion for casting and life casting into a part time or even full time profession?

The What ?

Your artistic passion can easily become a potential lucrative business.You can offer various services like clay modeling, silicone or resin casting, latex rubber masks and so on.

Or you might consider specializing in creating only life castings. The demand for memorable it, is not only huge but growing by the day. It is not limited to selected moneybags in the community anymore. Even ordinary people like you and me are looking to capture a slice of themselves or their loved ones and preserve it for posterity. Especially infant casting and pregnant belly castings are enjoying increasing popularity.

What's more, more and more people are turning into this as a singularly unique gift to mark a special occasion for a friend or family member. It is indeed the perfect way to freeze a beautiful memory forever in a lovely time capsule.

Therefore, they will look out for a skilled and experienced artist who can recreate a realistic and perfectly detailed reproduction without harming the model in any way. And this is where you will come into the picture!

The How?

But, do you know how to actually go about getting this business underway?

The answer is to network with professional artists and glean tips on the legalities of how to enter the business. You can take part in various online forums to discuss not only tips on it and mold making but also gather useful information on workshops, shows and leads on other websites to visit.

Additionally, you can become a member of the Association of Lifecasters International – or ALI as it is often known. This is a worldwide artists' guild that promotes public awareness of life casting and eagerly assists serious life casters in every way possible. Membership is free and you just have to agree to abide by the ALI Code of Conduct. This will open the door to a wealth of life casting information, marketing tips and inspirational ideas.

A top art studio is also more than willing to extend personal advice, promotional material and all the resources you will need to start a profitable life casting business. The company further supports fine artists by making selective purchases that are added to its life casting collection.

Nothing can stop you from stepping into the life casting business now! …

Know This When Bringing a Personal Trainer Into Your Apartment Building Gym

As more and more New York City apartment buildings look to attract new buyers and renters, there is an ever grow list of amenities being offered. This can range from a doorman and/or a concierge on premises to an onsite gym, space permitted, for residents. Most buildings will let residents bring in their own personal trainers to work with them.

Often the gyms are maintained by the building or an outside company, while equipment maintenance is handled by authorized technicians. However,, like a beach with “no lifeguard on duty,” many of these facilities do not have a fitness staff. Residents can use it unsupervised.

In these cases, should a resident wish to bring in a personal trainer, it is best to check with the building management or a board member on procedures. Often, all that is required is proof that the personal trainer is certified and insured. Copies of both documents will most likely need to be submitted to the building management company to be kept on file. They want to make sure that the resident, trainer, and the building’s assets are legally protected in case of any accidental injury. While most building do not charge to allow a trainer on premises, keep in mind that other buildings may have a fee in place for personal trainers nyc training clients in the building. This fee can be as much as $15 per session or a flat annual membership fee to train in the building. This can be a better deal for the personal trainer if they have multiple clients in that building, as well as a good source of revenue for the building.

Commercial buildings are also getting into the onsite gym game. Some buildings allow individual companies to construct a facility for their own employees. Still others will establish a facility in which all commercial tenant employees can access. Not only does this improve the amenities to the corporate tenants, but it provides a person with additional exercises choices throughout the day.

The great thing is that you can find personal trainers in NYC that can meet you anywhere you need them, at home, at the office, or anywhere in between. New York City is full of independent Personal trainers ready to work with you.…

Things to Know Before You Apply for Doorstep Loans

Are you a stay-at-home mom or an unemployed youth in the UK? Or, the one who is restricted to home due to old age, disability or a loved one’s health? Are you under constant shortage of funds and need financial help?

If answer to any of these questions is in affirmative, you may consider opting for doorstep loans.

Doorstep loans are basically the short-term home credit loans which are delivered right at your door! These are the loans for those who want to draw small amount up to £1000 for a very short period of time. Generally a friendly local agent visits you for each communication regarding the loan. He typically hands over the cash and recollects the instalments from the borrower’s home.

When your personal situation does not allow you to visit the financial companies, you may consider opting for doorstep loans. However the convenience of doorstep credit comes at a cost. This is an expensive credit option, but at any given day it is better than drawing instant cash advance like payday loan.

Doorstep loans vs. payday loans

Both doorstep loans and payday loans are instant cash advance loans. While payday loans call for direct account transfer, the doorstep loans have an agent as a mediator who hands over cash. Both are swiftly processed credit solutions.

However doorstep loans are instalment loans and this adds to convenience of repayment. The agent collects the weekly instalments according to the agreement. While in the payday loans, you are required to repay the entire amount within a few weeks or your next payday.

The doorstep or home credit loan can be advanced for a few weeks to a few months as an instalment loan.

Looking at the nature of both the loans, payday loans are ideal when despite your regular income an unprecedented expense emerges and you need immediate cash disbursement.

The home credit however can be raised as an unemployed loan or a bad credit loan to manage bad shape of your finances. The eligibility for these loans is not strictly based on your credit history. You can rely on them during the cash strapped days.

Before applying for home credit-

When you apply, it is essential that you make a deal with a legitimate lender who is registered by the Financial Conduct Authority, a financial watchdog in the UK. It is important to check the credentials of a loan company so that you do not end up entering a debt trap.

You may choose to make a deal with the help of a loan broker. With a registered broker, you are expected to be introduced to a registered lender only.

When you apply for a doorstep credit, a financial agent would visit you. He would discuss your credit history and would query about your requirements. While discussing your credit needs, it is important that you make minimal credit request. A debt is a debt and you should raise only for the amount that you could repay comfortably.

A failure …

The Importance of English in International Business

The major factor involved in the importance of English in international business is the acceptance of English as the international language of the business community for the purpose of uniformity in communication. Accepting English eliminates the need to explore an alternative language. If not English, then what language works better for the international business community?

English as an International Language

Perspective of English as Global Communication

If English as a global language “means that English has the widest distribution on the most continents, it is true. If it means that English is the language most utilized for international communication between and among language communities, it is true. But if it implies that English is the language of all the peoples of the globe, it is manifestly false” (Harris, 2001, 685). What may be good for the functionality of business may not be accepted as being good for the non-business community. With any new project or venture, research and development of the product or service should be done so that words used to communicate with the new market are not received with offense. Be sensitive and respectful concerning the decisions made in regard to the ways communication is used and worded.

Perspective of English as Learned Communication

“It is crucial that students are equipped with-and be aware of-both the linguistic and strategic repertoire that they can draw from in situations where they use English to communicate with those who do not share their first language and culture. In addition to the development of strategic competence, students also need to be reminded that communication is a two-way road. That is, making one’s own message clear and trying to understand others is not the sole responsibility of non-native speakers or speakers of ‘less standard’ English varieties (however that is defined). Everyone is responsible for overall successful communication, whether it is international or not” (Matsuda and Friedrich, 2011, 340). Be mindful that words can have different meanings in different parts of the same country. Therefore, having words that have different meaning in different parts of the world is a reasonable possibility. There can also be different versions of English in different locations. Business English could also be different from the native English of an English-speaking country. Do not assume; technology has been made available to know for sure what is involved in any given business project or transaction.

English in International Business Communication

“In thinking about the impact of English on international business, there will be two effects: the intra-language effect and the inter-language effect. The intra-language effect would relate to the impact that English has in stimulating international business activity between English-speaking countries” (Hejazi and Ma, 2011, 153). If the native English of each of the two countries is slightly different, it still could have the feel of dealing with a non-English speaking country if time is not spent coming to an agreement defining business English. Business professionals new to a market will benefit by finding out how things work and use the …

Mobile Oil Change Business and General Liability Insurance Considered

Not long ago, I got an email from a gentleman wishing to set up a mobile oil change business in Florida. He was concerned about what sort of insurance he might need and was under the impression that a 1 million dollar commercial liability policy was needed up and beyond his work truck vehicle commercial auto policy. Okay so, let’s talk about this; is he correct?

It turns out that he most definitely is, you see commercial auto is not the same as completed operations or the potential liability while working. For instance, if a car catches on fire that you are working on, your commercial auto policy isn’t going to cover it. Do you see that point? So, this is the advice I explained to him;

You will need most likely want to get a commercial insurance policy; $1 million aggregate, 300K per occurrence general liability, with a “garage keeper’s liability” notation, and there will be some customer who may demand more, and also demand to be additionally insured, not just a certificate of insurance on file.

Commercial Auto Insurance is another need, but most commercial business policies will write them together as one. Find a good “commercial insurance broker” and have them scout out their sources, usually the broker-agent knows the underwriters very well (as in speed-dial) and can get you a good rate and the underwriter will understand the difference between mobile and fixed costs. Generally the commercial liability insurance is partly based on your estimated gross income.

Don’t over estimate or you will pay too much, and don’t underestimate or you may get audited by the insurance company or they might simple decide you are not a viable risk. Believe it or not most commercial insurance policies do have a clause in their insurance contracts that they may audit you and by signing the policy you pre-agree to those audits. Thus, it’s unwise to falsify information or underestimate. If you find that you may have underestimated you need to call your agent-broker and explain that, sometimes they will add to the premium, sometimes up the next year’s estimates for gross sales.

Now then, Florida is a great market for mobile oil changes, however, let’s not forget there is some competition there, some long-standing 25+ years in fact and so, insurance is only one aspect or piece of information which one needs to consider before starting a business of this type. Please consider all this and think on it, and develop a strong business plan.…

Eviction Notice – Difference Between Personal Service and Tack and Mail When Evicting a Tenant

As a landlord, sooner or later you will have to evict a tenant for either not paying rent or for violating one or more terms of the lease. When a tenant violates their lease the landlord must immediately start the eviction process. The eviction process is handled by the county where the property is located. Even though you file eviction papers in the county where the property is located, it is state law, not county law, which controls the eviction process.

The eviction process starts with the landlord filing the paperwork for the eviction at the courthouse in the county where the property is located. Once the paperwork for the eviction has been filed, the paperwork will be handed over to either the Sheriff or Marshall’s office. Some counties use the Sheriff to serve notice of the eviction filing while others use the Marshall’s office. Regardless of the office, they will serve your tenant with notice of the eviction. This service will be either Personal Service or Tack and Mail. I will discuss the difference between the two.

Tack and Mail

When the Sheriff arrives at the property, they will try to get someone to answer the door. If nobody is home they will leave a copy of the eviction notice at the door. This is where the “tack” portion of tack and mail service originated. The Sheriff will actually tack a copy of the notice at the front door for the tenant to find when they return home. The Sheriff will also “mail” a copy of the eviction notice to the tenant. The Sheriff will mail the notice regular mail. It will not be mailed certified mail. The date the Sheriff tacks a copy to the door is the day that is recorded at the courthouse for the date of service.

Personal Service

When the Sheriff arrives at your property, they may find the tenant is home. If the Sheriff actually gives the notice to the tenant this is called Personal Service. As a landlord you would much rather the tenant be served with personal service.

The difference between the two types of service is that Personal Service has more advantages in the eviction process. If you tenant is served personal service and then does not show up for the court date, you can get a judgment against the tenant. If the tenant does not answer the eviction process after being served personally, you can get a judgment against the tenant. In both of these situations if the tenant was served tack and mail then you would have to sue the tenant in small claims court to get a judgment against them.…

Insurance Selling Sucks

I am an insurance salesman and I think that most of the business sucks. Here is what I mean.

Daily if not almost hourly I am approached by someone new who wants me to sell their products for them. The pitch is always the same. Commissions and service.

If I sell their products I will get higher commissions. Experience has taught me that this is nothing but a lie. Almost all commissions paid by insurance companies are the same. The difference is how much are these marketing companies taking off the top. They all want me to sell their products so they can make more money off my hard work and my personal investment in marketing.

It is nice deal they have, I work and they get paid.

Think of an insurance product like a three legged stool. One leg is the client’s interest, one leg is the company’s interest and the other leg is the marketer’s interest. Anytime more is added to one leg than the other the stool is lopsided. All three legs need to be equal or someone is taken advantage of. So when a marketing company offers me an “out of whack” commission I know where it is coming from…the company, NO! It is coming from the customer. It has to!

All aspects need to be fair and if one is more than the others the stool falls over.

Then there is their other pitch….service.

I always substitute the service word with the GREED word. I mean exactly how much service do I need? I handle my own applications, I transfer my own money and I deliver my own policies. What sort of service do they offer? You are correct, nothing. For what a marketing company makes off my sales they can do a lot more than service as far as I am concerned. What could they do?

o Pay for marketing and

o Pay bonuses

Then there is this that always stops them in their tracks. I will never do business with anyone who doesn’t give me two things:

1. A pre-release so I can move anytime without their permission

2. Full disclosure of how much they make on my sales

Make them tell you and always demand full disclosure. Disclosure is not their favorite subject and very few will actually share their contracts. Hold your ground because they will eventually show you. What if they are making too much of an override, is it ever fair? The answer is yes! There are a few marketing companies out there who do a great job and provide enough benefits to actually earn the overrides. Search them out; they are the ones to do business with. Here are my favorites:

o Financial Independence Group (FIG Marketing)…North Carolina

o Northwest Planning…Spokane, Washington

o The Annuity Source…Seattle, Washington

o Brokers International…Iowa

To be honest I really like selling insurance. It provides me with a nice income as well as total management of my time. Select the best marketing partners …

How to Start Your Own Lawn Aeration Business

You can be in business for yourself, if you start your own lawn aeration business, that will let you be your own boss, and you can make good money doing it also. Usually, lawn aeration is a process where a machine, like a big lawnmower, basically, has spikes sticking out that press into the ground. These spikes, or hollow tubes, push down into the dirt, and pull plugs of dirt out, so that the roots underground can breathe better, and get better water and oxygen to the roots, to keep them green and healthy.

Most landscapers will tell you, you should aerate your lawn twice a year. The lawn aeration machine usually is pretty heavy, and also comes with weights, that you can add to the machine to make it even heavier, to punch deeper holes in the ground. It has to punch the holes into the ground hard, and the deeper it can pull a plug out, the better it is for your lawn. The plugs usually are just left on top of the lawn, and they will eventually disappear, and break down back into the yard again, so there is no reason to rake them up.

You pretty much pull up to your customer’s home, and get the lawn aeration machine out. You would go over the whole yard, just like you would a lawn mower. Most lawn aerators charge more than lawn maintenance personnel. Usually, that is because a lawn aerator machine will cost a couple of thousand dollars, whereas, a lawn mower, will only cost a couple of hundred dollars on average. The basic home owner will buy a lawn mower, and maybe leave it in the garage. But not too many home owners are going to go out and buy a lawn aerator machine. Especially if they only need to use it 2 times a year. If a machine cost $2,000, let’s say, for example, and you charged, for example, $50, to aerate the yard, it would take the home owner 20 years to get a better deal on aerating and pay off his machine. So, it only makes sense for them to have you do it!

Make sure you have signs on your vehicle, that way other new customers in the neighborhood your working in, can get your telephone number so they can call you to do their yard later on. Try to network with other landscaping companies that do landscaping, but don’t offer lawn aerating. Offer them a commission for any jobs they send to you. You can also make up a flier to mail out to many lawn maintenance and landscapers and let them know you are looking for extra jobs. Just contacting a few of them, will get you a lot of jobs. After you get lots of jobs, you can teach others how to run the lawn aerating machine for you, while you concentrate on making your business even bigger.…