Month: April 2018
Updated on December 1, 2017 by admin
E-commerce or Electronic commerce is the buzzword of the modern day. In simple terms, it’s just buying and selling of product and services through internet. But in a broad sense, it includes the entire online process of developing, marketing, selling, delivering, servicing and paying for products and services. With the widespread usage of internet, the sphere of ecommerce has widened dramatically.
Today Ecommerce is an integral part of business because of various reasons like:
• Ease of use
• Accessibility all across the globe
• Great variety & easy compassion of products from different vendors
• Trusted payment channels
• Shopping can be done sitting in the convenience of home shopping, hence it is less time consuming.
It is therefore very important for any new entrepreneur to understand the significance of E-Commerce and should know how to utilize this tool for the growth and development of business.
So, whether you have an existing business or launching a brand new business, whether the volume of your business is large or small, you can always generate profit by demonstrating your products or services online, thereby acquiring a large amount of viewer exposure. In concise, buying and selling will result in profits and returns.
There are so many factors which makes e-commerce to come to the fore front in today’s world. Saving precious time involved in business transactions is really a prominent factor. Like for instance, net banking makes it easy to carry out money and baking transactions in a break neck speed as compared to the real banking scenario. This asserts the fact that Ecommerce is beneficial to both business and consumer wise as payment and documentations can be completed with greater efficiency and reliability. Another important factor determining the flow of whole business is connectivity. Connectivity is very important for both consumers and business. Ecommerce provides better connectivity for all the potential candidates all over the globe, thus helping in enhancing the business without any geographical barriers. From the view point of the customer, Ecommerce is a good platform for hassle free shopping by sitting in your home. The customer can browse through all the products and services available and can review and compare the prices of the similar products available in the online space.
In global market scenario, the emergence of Ecommerce as a forerunner has opened up various windows of opportunities for a variety of online companies and investors. More and more resources are being directed into electronic securities, internet facilities, business plans and new technologies due to the boom in the space of E-commerce. As a result various new markets have emerged from Ecommerce itself giving a boost to the global market.…
Updated on November 10, 2017 by admin
Equity finance means the owner, own funds and finance. Usually small scale business such as partnerships and sole proprietorships are operated by their owner trough their own finance. Joint stock companies operate on the basis of equity shares, but their management is different from share holders and investors.
Merits of Equity Finance:
Following are the merits of equity finance:
(i) Permanent in Nature: Equity finance is permanent in nature. There is no need to repay it unless liquidation occur. Shares once sold remain in the market. If any share holder wants to sell those shares he can do so in the stock exchange where company is listed. However, this will not pose any liquidity problem for the company.
(ii) Solvency: Equity finance increases the solvency of the business. It also helps in increasing the financial standing. In times of need the share capital can be increased by inviting offers from the general public to subscribe for new shares. This will enable the company to successfully face the financial crisis.
(iii) Credit Worthiness: High equity finance increases credit worthiness. A business in which equity finance has high proportion can easily take loan from banks. In contrast to those companies which are under serious debt burden, no longer remain attractive for investors. Higher proportion of equity finance means that less money will be needed for payment of interest on loans and financial expenses, so much of the profit will be distributed among share holders.
(iv) No Interest: No interest is paid to any outsider in case of equity finance. This increases the net income of the business which can be used to expand the scale of operations.
(v) Motivation: As in equity finance all the profit remain with the owner, so it gives him motivation to work more hard. The sense of inspiration and care is greater in a business which is financed by owner’s own money. This keeps the businessman conscious and active to seek opportunities and earn profit.
(vi) No Danger of Insolvency: As there is no borrowed capital so no repayment have to be made in any strict lime schedule. This makes the entrepreneur free from financial worries and there is no danger of insolvency.
(vii) Liquidation: In case of winding up or liquidation there is no outsiders charge on the assets of the business. All the assets remain with the owner.
(viii) Increasing Capital: Joint Stock companies can increases both the issued and authorized capital after fulfilling certain legal requirements. So in times of need finance can be raised by selling extra shares.
(ix) Macro Level Advantages: Equity finance produces many social and macro level advantages. First it reduces the elements of interest in the economy. This makes people Tree of financial worries and panic. Secondly the growth of joint stock companies allows a great number of people to share in its profit without taking active part in its management. Thus people can use their savings to earn monetary rewards over a long time.
Demerits of Equity Finance:…
Updated on December 1, 2017 by admin
It’s that time of year when we open the windows and enjoy the fresh air! It always made me feel better hearing the birds chirp, smelling the fresh air and cleaning as if it were a new beginning. Well, on a positive note, divorce is a new beginning! Put aside all the emotional feelings like sadness, anxiety and doubt about what you are supposed to next, and consider some of the following tips for your financial spring cleaning!
1. Get your financial house in order. Update your will. Check that you have the proper beneficiaries listed on your life insurance policies. Review your retirement plans and get rid of non-performing investments (contact your CDFA or financial advisor if you need help). Get a file box or use a file drawer and label your files. Doing this will it easy to find any important financial papers.
2. If you aren’t doing what you love or loving what you do, then prepare to make a change! Update or write your resume. Take some courses and explore new opportunities in your area or an area that you would like to be in. Expect more from yourself. I’m sure you will be amazed what you’re capable of achieving.
3. Review your credit report!! Not only is identity theft a concern today, but so is human error. I recently found that there was a major mistake on my credit report and it took me a lot of time to have it corrected. It is also a good place to see if you or your spouse have any accounts that you were unaware of. If you haven’t already, make sure to establish credit in your name. Open a credit card, or the next time you purchase a car, register it in your name only.
4. This is also a great time to review your benefits at work. If you aren’t involved in a retirement plan, and one is offered, enroll!! If you are already active in a plan, review it!! It may seem overwhelming and out of your comfort zone so consult a financial advisor. Most advisors are happy to review your statements and offer you some advice.
5. I am sure that you just got your taxes done and you are saying, “Next year I will be more organized!” That’s what I said! So go buy a file for tax receipts only! Ask your accountant if s/he can provide you with some areas that may save you money on next year’s tax return.
6. Divorce is a big change and a new beginning. You will want to update your wardrobe, and feel pretty!! I am a big supporter of dressing the way you want to feel!! This can be costly, so make a plan. First, clean out your current wardrobe. There are consignment shops, example: Plato’s Closet, where you can sell your clothes and use that money to purchase new clothes for yourself. If you already have a budget, donate your clothes to women’s shelters. …
Updated on November 10, 2017 by admin
The cost of health care is high and does not show any sign of becoming low in the foreseeable future. This has made affordable health insurance almost a dream for most people. However, there are ways you can reduce your costs. Some may require a readjustment in their lifestyles; others may require just a little discipline. Let's take a look at what we all can do …
Graves are usually dug with picks and shovels, however, a lot of Americans are digging their heads with their forks and knives. The percentage of Americans that are overweight is a little disturbing. If you're part of that overweight percentage, your policy is surely costing you more than your slim counterpart.
You can help yourself by watching what you eat and how much you eat. America, most of us eat too much. We could use (or rather, we'd be better off) just a fraction of our daily intake of food. It's worse if you factor in the intake of junk food and high carb foods. Things that we will all do better without.
Do not give me that look. You can help it. This article is not about how to do it (You can search for those online). I'm just telling you you can do it and that so doing will make your health insurance more affordable apart from helping you enjoy life better.
Please, quit smoking if you do want to live long and pay less on health insurance while you're alive. You can not use tobacco and expect to pay anything but very high premiums.
While you adjust your lifestyle and discipline your appetite, you can get the most affordable health insurance possible for your current profile by visiting quotes sites. I recommend that you visit at least three reputable ones.
Get and compare your quotes from these sites and you'll be surprised at how much you've saved on your plan. …
Updated on November 10, 2017 by admin
There is no doubt that racing – whether by auto, motorcycle, truck or other vehicle or animal – is a very hazardous sport. It is for this reason that insurance coverage is so important for the driver and track owner or sponsor.
Racing Car Driver Insurance
Known in the industry as AD&D Coverage, this insurance is designed specifically for the racing car drivers. Providing accident and health coverage for competing drivers, the companies that write this type of indemnity are most likely in the market for other sporting industries. In regard to racing car drivers, disability limits differ according to each individual insurer.
Vehicle Racetrack Insurance
If you have ever been part of the enthusiastic audience viewing a car, motorcycle or any other recreational vehicle race, you can well understand that there are significant risks to safety. Much like any highly populated sports event, there is the issues related to crowd control and bleacher hazards. In regard to third-party injury claims, vehicle racetrack insurance covers the owners and/or sponsors behind the event.
Specific scenarios in which a lawsuit may be initiated by an injured spectator include:
• When a grandstand or bleacher folds and falls
• When a member of the crowd is impacted by a participating car collision or accident
• When someone watching a practice session or actual race is hurt by debris hurled as a result of an accident
This particular coverage does not include protection for owners of vehicles or sports car drivers. Refer back to the above summary about racing car driver insurance for more on the topic.
Animal Racetrack Insurance
Prime examples of animal racetrack participants are horses and greyhounds, but other animals are also included. Significant risks include exposure to hay and any other combustible matter that is general part and parcel of the property. On the other hand of course, there is also the potential of damage to the involved animals as well as the possibility of damages caused by the animals to consider. The related liability factors are very much the same as any other sporting event. However, the fact that animals and employees and spectators are so close to each other, places an underscored hazard risk at the racetrack.
Then again, many of the racetracks have ongoing betting activity which clearly leaves exposure to criminal activity, defined by the indemnity industry as dishonesty exposure. When eateries are also a part of the framework, the related restaurant risk exposure and liquor liability exposure go hand in hand.
For more about related business insurance coverage, speak with an experienced independent agency that has your best interests in mind.…
Updated on December 1, 2017 by admin
The more you know about people the easier it gets to run a small business. This statement is so true, yet I do not know many business owners that use this power principle.
Are you working long hours? Do you have few holidays? Would you like to grow your business, but you already work many hours and do not want to work any harder? This article is for you!
When it comes to recruitment there are 3 key points to understand. Business owners fail to understand these 3 points and wonder why they hired a person who does not do what they want them to do. Or, they work really hard for the first few days or week then their performance wains over time.
So let's look at the 3 points.
First, most people hire on experience instead of attitude. That's the first mistake business owners make. Instead, a better aspect to hire on is ATTITUDE.
The next aspect you need to hire people on is their personality type. Lastly you need to hire people on experience. Experience is a very poor third.
Let me go over each of these points to explain why this is all so true.
When you hire on attitude you're looking for the following traits in a person … willingness to learn, willingness to change habits, someone who is open minded, someone who is keen, positive in response to new ideas, willing to take on Responsibility, has a good emotional state of mind near all of the time and someone who does not complain or criticizeize others.
What I have described are very powerful traits in a person. If someone has these hits they will be a very fast learner. They will have good self esteem and take pride in themselves and their work.
People are a mirror and if they like themselves and take pride in themselves they will with their work.
Unfortunately people write ads for recruitment that looks like they are recruiting for the army! They ask for qualifications, state areas of experience and strictly mention attitude at all. And the more you enthusiasm experience and qualifications the more you state you do not want attitude.
I've found the break even time of hiring an experienced person to one who has little experience with about fantastic attitude is about 4-6 weeks. In other words the new person with great attitude learns very quickly and keeps on performing better over time. While the experienced person's performance reduces over time due to any number of reasons.
Experienced people have their own way of doing things, their own habits and often can feel like they know as much you. And when that happens you often become dependent on them and that's when the trouble begins.
The advertisement must be carefully considered with little mention of experience. If you must hire a qualified person then state it in the ad, but then write other attitude type words in the ad.
You can teach a person anything, …
Updated on December 1, 2017 by admin
Are you interested in applying for cashback credit cards? Before you apply for this type of credit card, it is important to know that the majority of the best cashback credit cards require that an applicant has an excellent credit score. Remember to study all the features and charges of each card, and not just the offers that give you cash back or bonus points.
Make it a point to know the interest rate during and after the introductory offer, the duration of the introductory offer, the annual fee, and other details of the fine print, every time you make a credit card application.
If you are interested to apply for cashback credit cards, you should try the American Express Card. It offers five percent of cash back when you use it to buy fuel for your car. You will also enjoy a zero percentage introductory APR, no annual fee, and a fixed transfer fee of 4.99 percent.
This card also lets you set up an automatic monthly bill paying system that gives cash back on telephone and cable bills, parking fee, and even transportation expenses. This card even allows you to order more than one card on the same account, in the name of any family member 18 years or older, at no additional activation charge.
One feature that makes this card one of the best cashback credit cards is the convenience of being able to keep track of your expenses and card use for tax preparation and budgeting. An online feature called Summary of Charges permits you to access their account information for the year year. It allows you to sort the use of the card by vendor or merchant name, by date, or by the amount of the charge.
It's easy to categorize the charges and review them by category. It allows you to assign a travel category, a business equipment category, a restaurant category, and so forth. Other online information available include, monthly charge totals, billing information, and a history of the payments on the card balance
Cashback credit cards also make point of sale purchases easy. You just have to hold the card up to the point of the point of sale reader. You do not have to sign anything or to swipe the card. Other features and benefits, along with those mentioned here makes the American Express Card, one of the best cash back credit cards available in market today. …
Updated on November 10, 2017 by admin
If you are an investor or equity sponsor in the field of aviation, you may have many questions regarding on-airport services. In North America and parts of Europe, the roles of different operators and service providers at an airport are well defined, while in other countries local ground handlers are associated with many of those same operations. In this post, we will take an overview of different services at a public airport, along with the things you can expect, especially if you need direct assistance in finding the best service provider to meet your needs.
Overview of Fixed-Based Operator (FBO) services
Fixed-Based Operator (FBO) services basically operate key airport infrastructure and facilities in aviation, usually under a long-term lease directly from the airport. The services can vary depending on the nature and size of the airport, but the core profile often remains the same. FBOs are responsible for a number of different roles. They provide critical line service functions such as the handling, fueling and hanging of private aircraft, manage the passenger terminal, crew lounges, and other facilities, and may also offer certain maintenance and repair services. The size and location of FBOs determine their services to a large extent. Full-service FBOs are extremely popular in North America and Europe, while in other areas such as Australia and parts of Asia the demand for these services is increasing.
Overview of ground handlers
Ground handlers, on the other hand, are usually licensed by the airport as a concessionaire. They may provide the general services that are required in the sector, mainly at airports which do not possess the requisite infrastructure for full FBO services. These companies mostly deal with below-wing services, although in some cases they do deal with above-wing services. In this context, it’s important to understand the distinction between above-wing and below-wing services.
1. Above Wing services – These include a wide range of services, including some of the services that are offered by FBOs, such as ensuring catering onboard, cleaning flights at technical stops, following and managing passenger and crew, and anything that’s directly related to the flight’s management. These services also include managing the ground accommodation of crew and passengers, besides concierge services.
2. Below Wing services – These services include aircraft handling, fueling, management of ground support equipment, movement of baggage, and any required hangar services. All ground handlers who do below-wing services must have specific operating rights from the airport, own the necessary equipment and be specifically trained for various functions such as towing, marshaling, fueling, etc. They must also have proper insurance in place at a minimum amount specified by the airport. In some parts of the world, ground handlers may need additional certification.
Other areas
When it comes to aviation infrastructure management, FBOs specialize in different areas, although they are all expected to perform certain core line functions. Fixed Base Operators understand the needs of private aviation, whether corporate or recreational, and can offer direct assistance to the flying public. Some companies may …
Updated on November 10, 2017 by admin
Any furniture removal can be an intimidating process no matter what the location of your new home or office. If moving interstate, the need to figure out how interstate back loading works and whether or not you should backload is crucial for a successful interstate move.
The most important thing to do is to plan everything ahead of time and to get the right information from qualified professionals. Time is money and making the time to map out how you’ll spend your money will mean bigger savings.
This list contains some money saving moving tips that you might consider when undertaking a furniture removal:
Make a Budget and Don’t Deviate
It is absolutely essential to stick to a budget once you have itemized all your expenses. Write down a list of predictable expenditures such as packing supplies, professional movers, takeout food, hotel stays, fuel, etc. Include a buffer in your budget so that if unforeseen expenditures arise, you’ll be prepared.
Employ Professional Furniture Removalists
Interview several removalists and get quotes. Moving expenses are normally calculated depending on the volume or the number of rooms, the distance between the two start and end locations, efforts exerted in packing as well as access, and the time of year. Peak moving times include the summer, weekends, and holidays so they will cost you more than if you were to move on other days.
Remember that just because one company gave the lowest price estimate, it doesn’t necessarily mean that is the best arrangement. The quality of your moving service is important, so remember to look at the policies concerning damaged items (while in the process of moving).
Use Affordable Packing Methods and Supplies – If You are on a Tight Budget
Do the packing and unpacking yourself. You’ll save a lot more money this way. Hunt for good deals on packing supplies. Sometimes, friends and families have these items saved up from their own moves. Get free boxes from your workplace or a local supermarket. There are plenty of ways to get cheap moving supplies. Investigate – you’ll sure find something that’ll be useful for your move.
Lessen Your Travel Weight
The less goods you have, the less there is to move, and the less you pay your movers. In many cases, professional movers will charge based on the volume of your possessions. So try, whenever possible, to eradicate unnecessary items. You can get rid of them via a garage sale or donate them to charity. Many things can be sold quite easily on eBay now, so don’t rule that option out when you’re ready to sell.
Switch Off the Utilities
Call the utility companies (and cable company) ahead of time to ensure that your service has ended on your moving day.
Switch off the water heater and turn down the heating. Be certain that all lights are not on. Lock and seal any openings such as windows and doors so that the house’s contents are …
Updated on December 1, 2017 by admin
California's health insurance market has unveiled many cost-effective health insurance plans. With a little bit of research consumers can save a significant amount of money each year by securing the most appropriate health insurance plan for themselves, their families, and their employees. In the end, they might just have more positive feelings about California's health care system.
Despite the highly visible social action efforts taking place in Sacramento to heal our health wounds, it is likely that big changes are still a while away from taking effect. So, in the next few years there is a lot that you as employers, individuals, and families can do to quell the negative reputation that the health care system gets and start making the insurance process work in our favor.
In this age of internet shopping, more and more people each year are purchasing their health insurance plans online without knowing which plans are most appropriate for them. Most choose the health insurance plan that has a low monthly premium, but later find that this plan does not fit their needs or the needs of their loved ones or workers. As a result, the costs can be much greater in the long run. Typically, the most eligible health insurance plan will end up being the most cost-effective health insurance plan, even if it is not the plan with the lowest monthly premium.
Finding the most appropriate and cost-effective health insurance plan can be accomplished through a few simple steps:
1) Contact a professional health insurance agent from a referral or call the agency that you find online
2) Ask the right questions:
a. What is the difference between a PPO and an HMO? Which one would benefit me the most?
b. What is a deductible, co-pay, co-insurance, maximum out-of-pocket limit?
c. If I have pre-existing conditions, how will that affect my family's rate and approval probability?
d. Should I sign up separately from my family?
e. Are there $ 0 deductible plans available? Would this be appropriate for me? Why? Why not?
f. If I get declined, what are my alternatives?
g. Which plans am I more likely to be approved or declined for?
3) Learn about the different types of health insurance plans in the market. This will only take a few moments to understand.
The following are a few great health insurance plans in the market that have very comprehensive coverage and can help you save money.
Cost-Effective PPO's
First Dollar Plans: These plans have a $ 0 deductible so the member is paying only a percentage (usually 40{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}) of the negotiated rate for services from the very start of the policy. First Dollar Plans normally carry a doctor's visit co-pay from $ 25 – $ 40. Such plans do not include maternity benefits *, which helps to keep the monthly premiums down.
* This may be a concern for women, but companies that carry these plans will often let you slide into their high deductible plan (~ $ 5000 deductible) …
Month: April 2018
Significance of E-Commerce in Today’s Scenario
Updated on December 1, 2017 by admin
E-commerce or Electronic commerce is the buzzword of the modern day. In simple terms, it’s just buying and selling of product and services through internet. But in a broad sense, it includes the entire online process of developing, marketing, selling, delivering, servicing and paying for products and services. With the widespread usage of internet, the sphere of ecommerce has widened dramatically.
Today Ecommerce is an integral part of business because of various reasons like:
• Ease of use
• Accessibility all across the globe
• Great variety & easy compassion of products from different vendors
• Trusted payment channels
• Shopping can be done sitting in the convenience of home shopping, hence it is less time consuming.
It is therefore very important for any new entrepreneur to understand the significance of E-Commerce and should know how to utilize this tool for the growth and development of business.
So, whether you have an existing business or launching a brand new business, whether the volume of your business is large or small, you can always generate profit by demonstrating your products or services online, thereby acquiring a large amount of viewer exposure. In concise, buying and selling will result in profits and returns.
There are so many factors which makes e-commerce to come to the fore front in today’s world. Saving precious time involved in business transactions is really a prominent factor. Like for instance, net banking makes it easy to carry out money and baking transactions in a break neck speed as compared to the real banking scenario. This asserts the fact that Ecommerce is beneficial to both business and consumer wise as payment and documentations can be completed with greater efficiency and reliability. Another important factor determining the flow of whole business is connectivity. Connectivity is very important for both consumers and business. Ecommerce provides better connectivity for all the potential candidates all over the globe, thus helping in enhancing the business without any geographical barriers. From the view point of the customer, Ecommerce is a good platform for hassle free shopping by sitting in your home. The customer can browse through all the products and services available and can review and compare the prices of the similar products available in the online space.
In global market scenario, the emergence of Ecommerce as a forerunner has opened up various windows of opportunities for a variety of online companies and investors. More and more resources are being directed into electronic securities, internet facilities, business plans and new technologies due to the boom in the space of E-commerce. As a result various new markets have emerged from Ecommerce itself giving a boost to the global market.…
Category: business, money Tags: Business, Finance, insurance, Money , personal
Merits and Demerits of Equity Finance
Updated on November 10, 2017 by admin
Equity finance means the owner, own funds and finance. Usually small scale business such as partnerships and sole proprietorships are operated by their owner trough their own finance. Joint stock companies operate on the basis of equity shares, but their management is different from share holders and investors.
Merits of Equity Finance:
Following are the merits of equity finance:
(i) Permanent in Nature: Equity finance is permanent in nature. There is no need to repay it unless liquidation occur. Shares once sold remain in the market. If any share holder wants to sell those shares he can do so in the stock exchange where company is listed. However, this will not pose any liquidity problem for the company.
(ii) Solvency: Equity finance increases the solvency of the business. It also helps in increasing the financial standing. In times of need the share capital can be increased by inviting offers from the general public to subscribe for new shares. This will enable the company to successfully face the financial crisis.
(iii) Credit Worthiness: High equity finance increases credit worthiness. A business in which equity finance has high proportion can easily take loan from banks. In contrast to those companies which are under serious debt burden, no longer remain attractive for investors. Higher proportion of equity finance means that less money will be needed for payment of interest on loans and financial expenses, so much of the profit will be distributed among share holders.
(iv) No Interest: No interest is paid to any outsider in case of equity finance. This increases the net income of the business which can be used to expand the scale of operations.
(v) Motivation: As in equity finance all the profit remain with the owner, so it gives him motivation to work more hard. The sense of inspiration and care is greater in a business which is financed by owner’s own money. This keeps the businessman conscious and active to seek opportunities and earn profit.
(vi) No Danger of Insolvency: As there is no borrowed capital so no repayment have to be made in any strict lime schedule. This makes the entrepreneur free from financial worries and there is no danger of insolvency.
(vii) Liquidation: In case of winding up or liquidation there is no outsiders charge on the assets of the business. All the assets remain with the owner.
(viii) Increasing Capital: Joint Stock companies can increases both the issued and authorized capital after fulfilling certain legal requirements. So in times of need finance can be raised by selling extra shares.
(ix) Macro Level Advantages: Equity finance produces many social and macro level advantages. First it reduces the elements of interest in the economy. This makes people Tree of financial worries and panic. Secondly the growth of joint stock companies allows a great number of people to share in its profit without taking active part in its management. Thus people can use their savings to earn monetary rewards over a long time.
Demerits of Equity Finance:…
Category: business, finance, money Tags: Business, Finance, insurance, Money , personal
Spring Cleaning After Divorce
Updated on December 1, 2017 by admin
It’s that time of year when we open the windows and enjoy the fresh air! It always made me feel better hearing the birds chirp, smelling the fresh air and cleaning as if it were a new beginning. Well, on a positive note, divorce is a new beginning! Put aside all the emotional feelings like sadness, anxiety and doubt about what you are supposed to next, and consider some of the following tips for your financial spring cleaning!
1. Get your financial house in order. Update your will. Check that you have the proper beneficiaries listed on your life insurance policies. Review your retirement plans and get rid of non-performing investments (contact your CDFA or financial advisor if you need help). Get a file box or use a file drawer and label your files. Doing this will it easy to find any important financial papers.
2. If you aren’t doing what you love or loving what you do, then prepare to make a change! Update or write your resume. Take some courses and explore new opportunities in your area or an area that you would like to be in. Expect more from yourself. I’m sure you will be amazed what you’re capable of achieving.
3. Review your credit report!! Not only is identity theft a concern today, but so is human error. I recently found that there was a major mistake on my credit report and it took me a lot of time to have it corrected. It is also a good place to see if you or your spouse have any accounts that you were unaware of. If you haven’t already, make sure to establish credit in your name. Open a credit card, or the next time you purchase a car, register it in your name only.
4. This is also a great time to review your benefits at work. If you aren’t involved in a retirement plan, and one is offered, enroll!! If you are already active in a plan, review it!! It may seem overwhelming and out of your comfort zone so consult a financial advisor. Most advisors are happy to review your statements and offer you some advice.
5. I am sure that you just got your taxes done and you are saying, “Next year I will be more organized!” That’s what I said! So go buy a file for tax receipts only! Ask your accountant if s/he can provide you with some areas that may save you money on next year’s tax return.
6. Divorce is a big change and a new beginning. You will want to update your wardrobe, and feel pretty!! I am a big supporter of dressing the way you want to feel!! This can be costly, so make a plan. First, clean out your current wardrobe. There are consignment shops, example: Plato’s Closet, where you can sell your clothes and use that money to purchase new clothes for yourself. If you already have a budget, donate your clothes to women’s shelters. …
Category: insurance, money Tags: Business, Finance, insurance, Money , personal
Affordable Health Insurance – Things You Can Do To Help
Updated on November 10, 2017 by admin
The cost of health care is high and does not show any sign of becoming low in the foreseeable future. This has made affordable health insurance almost a dream for most people. However, there are ways you can reduce your costs. Some may require a readjustment in their lifestyles; others may require just a little discipline. Let's take a look at what we all can do …
Graves are usually dug with picks and shovels, however, a lot of Americans are digging their heads with their forks and knives. The percentage of Americans that are overweight is a little disturbing. If you're part of that overweight percentage, your policy is surely costing you more than your slim counterpart.
You can help yourself by watching what you eat and how much you eat. America, most of us eat too much. We could use (or rather, we'd be better off) just a fraction of our daily intake of food. It's worse if you factor in the intake of junk food and high carb foods. Things that we will all do better without.
Do not give me that look. You can help it. This article is not about how to do it (You can search for those online). I'm just telling you you can do it and that so doing will make your health insurance more affordable apart from helping you enjoy life better.
Please, quit smoking if you do want to live long and pay less on health insurance while you're alive. You can not use tobacco and expect to pay anything but very high premiums.
While you adjust your lifestyle and discipline your appetite, you can get the most affordable health insurance possible for your current profile by visiting quotes sites. I recommend that you visit at least three reputable ones.
Get and compare your quotes from these sites and you'll be surprised at how much you've saved on your plan. …
Category: insurance Tags: Business, Finance, insurance, Money , personal
Raceway Insurance: Race Car Driver, Vehicle and Animal Racetracks
Updated on November 10, 2017 by admin
There is no doubt that racing – whether by auto, motorcycle, truck or other vehicle or animal – is a very hazardous sport. It is for this reason that insurance coverage is so important for the driver and track owner or sponsor.
Racing Car Driver Insurance
Known in the industry as AD&D Coverage, this insurance is designed specifically for the racing car drivers. Providing accident and health coverage for competing drivers, the companies that write this type of indemnity are most likely in the market for other sporting industries. In regard to racing car drivers, disability limits differ according to each individual insurer.
Vehicle Racetrack Insurance
If you have ever been part of the enthusiastic audience viewing a car, motorcycle or any other recreational vehicle race, you can well understand that there are significant risks to safety. Much like any highly populated sports event, there is the issues related to crowd control and bleacher hazards. In regard to third-party injury claims, vehicle racetrack insurance covers the owners and/or sponsors behind the event.
Specific scenarios in which a lawsuit may be initiated by an injured spectator include:
• When a grandstand or bleacher folds and falls
• When a member of the crowd is impacted by a participating car collision or accident
• When someone watching a practice session or actual race is hurt by debris hurled as a result of an accident
This particular coverage does not include protection for owners of vehicles or sports car drivers. Refer back to the above summary about racing car driver insurance for more on the topic.
Animal Racetrack Insurance
Prime examples of animal racetrack participants are horses and greyhounds, but other animals are also included. Significant risks include exposure to hay and any other combustible matter that is general part and parcel of the property. On the other hand of course, there is also the potential of damage to the involved animals as well as the possibility of damages caused by the animals to consider. The related liability factors are very much the same as any other sporting event. However, the fact that animals and employees and spectators are so close to each other, places an underscored hazard risk at the racetrack.
Then again, many of the racetracks have ongoing betting activity which clearly leaves exposure to criminal activity, defined by the indemnity industry as dishonesty exposure. When eateries are also a part of the framework, the related restaurant risk exposure and liquor liability exposure go hand in hand.
For more about related business insurance coverage, speak with an experienced independent agency that has your best interests in mind.…
Category: business, insurance Tags: Business, Finance, insurance, Money , personal
How to Recruit a Fantastic Employee Using a 3 Step System, No One Knows!
Updated on December 1, 2017 by admin
The more you know about people the easier it gets to run a small business. This statement is so true, yet I do not know many business owners that use this power principle.
Are you working long hours? Do you have few holidays? Would you like to grow your business, but you already work many hours and do not want to work any harder? This article is for you!
When it comes to recruitment there are 3 key points to understand. Business owners fail to understand these 3 points and wonder why they hired a person who does not do what they want them to do. Or, they work really hard for the first few days or week then their performance wains over time.
So let's look at the 3 points.
First, most people hire on experience instead of attitude. That's the first mistake business owners make. Instead, a better aspect to hire on is ATTITUDE.
The next aspect you need to hire people on is their personality type. Lastly you need to hire people on experience. Experience is a very poor third.
Let me go over each of these points to explain why this is all so true.
When you hire on attitude you're looking for the following traits in a person … willingness to learn, willingness to change habits, someone who is open minded, someone who is keen, positive in response to new ideas, willing to take on Responsibility, has a good emotional state of mind near all of the time and someone who does not complain or criticizeize others.
What I have described are very powerful traits in a person. If someone has these hits they will be a very fast learner. They will have good self esteem and take pride in themselves and their work.
People are a mirror and if they like themselves and take pride in themselves they will with their work.
Unfortunately people write ads for recruitment that looks like they are recruiting for the army! They ask for qualifications, state areas of experience and strictly mention attitude at all. And the more you enthusiasm experience and qualifications the more you state you do not want attitude.
I've found the break even time of hiring an experienced person to one who has little experience with about fantastic attitude is about 4-6 weeks. In other words the new person with great attitude learns very quickly and keeps on performing better over time. While the experienced person's performance reduces over time due to any number of reasons.
Experienced people have their own way of doing things, their own habits and often can feel like they know as much you. And when that happens you often become dependent on them and that's when the trouble begins.
The advertisement must be carefully considered with little mention of experience. If you must hire a qualified person then state it in the ad, but then write other attitude type words in the ad.
You can teach a person anything, …
Category: business Tags: Business, Finance, insurance, Money , personal
Put Your Money To Work With Cashback Credit Cards
Updated on December 1, 2017 by admin
Are you interested in applying for cashback credit cards? Before you apply for this type of credit card, it is important to know that the majority of the best cashback credit cards require that an applicant has an excellent credit score. Remember to study all the features and charges of each card, and not just the offers that give you cash back or bonus points.
Make it a point to know the interest rate during and after the introductory offer, the duration of the introductory offer, the annual fee, and other details of the fine print, every time you make a credit card application.
If you are interested to apply for cashback credit cards, you should try the American Express Card. It offers five percent of cash back when you use it to buy fuel for your car. You will also enjoy a zero percentage introductory APR, no annual fee, and a fixed transfer fee of 4.99 percent.
This card also lets you set up an automatic monthly bill paying system that gives cash back on telephone and cable bills, parking fee, and even transportation expenses. This card even allows you to order more than one card on the same account, in the name of any family member 18 years or older, at no additional activation charge.
One feature that makes this card one of the best cashback credit cards is the convenience of being able to keep track of your expenses and card use for tax preparation and budgeting. An online feature called Summary of Charges permits you to access their account information for the year year. It allows you to sort the use of the card by vendor or merchant name, by date, or by the amount of the charge.
It's easy to categorize the charges and review them by category. It allows you to assign a travel category, a business equipment category, a restaurant category, and so forth. Other online information available include, monthly charge totals, billing information, and a history of the payments on the card balance
Cashback credit cards also make point of sale purchases easy. You just have to hold the card up to the point of the point of sale reader. You do not have to sign anything or to swipe the card. Other features and benefits, along with those mentioned here makes the American Express Card, one of the best cash back credit cards available in market today. …
Category: business Tags: Business, Finance, insurance, Money , personal
Everything You Wanted to Know About Fixed-Based Operator Services
Updated on November 10, 2017 by admin
If you are an investor or equity sponsor in the field of aviation, you may have many questions regarding on-airport services. In North America and parts of Europe, the roles of different operators and service providers at an airport are well defined, while in other countries local ground handlers are associated with many of those same operations. In this post, we will take an overview of different services at a public airport, along with the things you can expect, especially if you need direct assistance in finding the best service provider to meet your needs.
Overview of Fixed-Based Operator (FBO) services
Fixed-Based Operator (FBO) services basically operate key airport infrastructure and facilities in aviation, usually under a long-term lease directly from the airport. The services can vary depending on the nature and size of the airport, but the core profile often remains the same. FBOs are responsible for a number of different roles. They provide critical line service functions such as the handling, fueling and hanging of private aircraft, manage the passenger terminal, crew lounges, and other facilities, and may also offer certain maintenance and repair services. The size and location of FBOs determine their services to a large extent. Full-service FBOs are extremely popular in North America and Europe, while in other areas such as Australia and parts of Asia the demand for these services is increasing.
Overview of ground handlers
Ground handlers, on the other hand, are usually licensed by the airport as a concessionaire. They may provide the general services that are required in the sector, mainly at airports which do not possess the requisite infrastructure for full FBO services. These companies mostly deal with below-wing services, although in some cases they do deal with above-wing services. In this context, it’s important to understand the distinction between above-wing and below-wing services.
1. Above Wing services – These include a wide range of services, including some of the services that are offered by FBOs, such as ensuring catering onboard, cleaning flights at technical stops, following and managing passenger and crew, and anything that’s directly related to the flight’s management. These services also include managing the ground accommodation of crew and passengers, besides concierge services.
2. Below Wing services – These services include aircraft handling, fueling, management of ground support equipment, movement of baggage, and any required hangar services. All ground handlers who do below-wing services must have specific operating rights from the airport, own the necessary equipment and be specifically trained for various functions such as towing, marshaling, fueling, etc. They must also have proper insurance in place at a minimum amount specified by the airport. In some parts of the world, ground handlers may need additional certification.
Other areas
When it comes to aviation infrastructure management, FBOs specialize in different areas, although they are all expected to perform certain core line functions. Fixed Base Operators understand the needs of private aviation, whether corporate or recreational, and can offer direct assistance to the flying public. Some companies may …
Category: insurance Tags: Business, Finance, insurance, Money , personal
Furniture Removal Tips to Save Money
Updated on November 10, 2017 by admin
Any furniture removal can be an intimidating process no matter what the location of your new home or office. If moving interstate, the need to figure out how interstate back loading works and whether or not you should backload is crucial for a successful interstate move.
The most important thing to do is to plan everything ahead of time and to get the right information from qualified professionals. Time is money and making the time to map out how you’ll spend your money will mean bigger savings.
This list contains some money saving moving tips that you might consider when undertaking a furniture removal:
Make a Budget and Don’t Deviate
It is absolutely essential to stick to a budget once you have itemized all your expenses. Write down a list of predictable expenditures such as packing supplies, professional movers, takeout food, hotel stays, fuel, etc. Include a buffer in your budget so that if unforeseen expenditures arise, you’ll be prepared.
Employ Professional Furniture Removalists
Interview several removalists and get quotes. Moving expenses are normally calculated depending on the volume or the number of rooms, the distance between the two start and end locations, efforts exerted in packing as well as access, and the time of year. Peak moving times include the summer, weekends, and holidays so they will cost you more than if you were to move on other days.
Remember that just because one company gave the lowest price estimate, it doesn’t necessarily mean that is the best arrangement. The quality of your moving service is important, so remember to look at the policies concerning damaged items (while in the process of moving).
Use Affordable Packing Methods and Supplies – If You are on a Tight Budget
Do the packing and unpacking yourself. You’ll save a lot more money this way. Hunt for good deals on packing supplies. Sometimes, friends and families have these items saved up from their own moves. Get free boxes from your workplace or a local supermarket. There are plenty of ways to get cheap moving supplies. Investigate – you’ll sure find something that’ll be useful for your move.
Lessen Your Travel Weight
The less goods you have, the less there is to move, and the less you pay your movers. In many cases, professional movers will charge based on the volume of your possessions. So try, whenever possible, to eradicate unnecessary items. You can get rid of them via a garage sale or donate them to charity. Many things can be sold quite easily on eBay now, so don’t rule that option out when you’re ready to sell.
Switch Off the Utilities
Call the utility companies (and cable company) ahead of time to ensure that your service has ended on your moving day.
Switch off the water heater and turn down the heating. Be certain that all lights are not on. Lock and seal any openings such as windows and doors so that the house’s contents are …
Category: money Tags: Business, Finance, insurance, Money , personal
California Health Insurance – The Keys To Finding The Most Appropriate and Cost-Effect Plan
Updated on December 1, 2017 by admin
California's health insurance market has unveiled many cost-effective health insurance plans. With a little bit of research consumers can save a significant amount of money each year by securing the most appropriate health insurance plan for themselves, their families, and their employees. In the end, they might just have more positive feelings about California's health care system.
Despite the highly visible social action efforts taking place in Sacramento to heal our health wounds, it is likely that big changes are still a while away from taking effect. So, in the next few years there is a lot that you as employers, individuals, and families can do to quell the negative reputation that the health care system gets and start making the insurance process work in our favor.
In this age of internet shopping, more and more people each year are purchasing their health insurance plans online without knowing which plans are most appropriate for them. Most choose the health insurance plan that has a low monthly premium, but later find that this plan does not fit their needs or the needs of their loved ones or workers. As a result, the costs can be much greater in the long run. Typically, the most eligible health insurance plan will end up being the most cost-effective health insurance plan, even if it is not the plan with the lowest monthly premium.
Finding the most appropriate and cost-effective health insurance plan can be accomplished through a few simple steps:
1) Contact a professional health insurance agent from a referral or call the agency that you find online
2) Ask the right questions:
a. What is the difference between a PPO and an HMO? Which one would benefit me the most?
b. What is a deductible, co-pay, co-insurance, maximum out-of-pocket limit?
c. If I have pre-existing conditions, how will that affect my family's rate and approval probability?
d. Should I sign up separately from my family?
e. Are there $ 0 deductible plans available? Would this be appropriate for me? Why? Why not?
f. If I get declined, what are my alternatives?
g. Which plans am I more likely to be approved or declined for?
3) Learn about the different types of health insurance plans in the market. This will only take a few moments to understand.
The following are a few great health insurance plans in the market that have very comprehensive coverage and can help you save money.
Cost-Effective PPO's
First Dollar Plans: These plans have a $ 0 deductible so the member is paying only a percentage (usually 40{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}) of the negotiated rate for services from the very start of the policy. First Dollar Plans normally carry a doctor's visit co-pay from $ 25 – $ 40. Such plans do not include maternity benefits *, which helps to keep the monthly premiums down.
* This may be a concern for women, but companies that carry these plans will often let you slide into their high deductible plan (~ $ 5000 deductible) …
Category: insurance, money Tags: Business, Finance, insurance, Money , personal
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