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Tag: Business

National Auto Insurance Company Review

Automobiles have been a part of American society for about a century now and in today's society, they are an essential part of everyday American lives. Although in large cities, mass transportation systems such as subways, buses and metros have been developed, most average Americans get to and from work through the means of automobiles. It is for this reason that the Federal Government decided to allow each state to design its own automobile insurance laws, so that they could have a say about under which conditions an automobile was to be used within their respect state borders. With the population of the United States growing everyday and more and more people entering this great country, it is imperative that Americans have auto insurance so they can drive safely and without risk on the roads of this nation.

Nowadays, most people can find an automobile insurance company within a 25 mile radius from their residence. While there are big car insurance companies such as GEICO, Allstate, and others that are trying to get bigger in order to control this sector of the economy; there are some other ones that are unknown nationally and work within their state's borders. In this article we will only be discussing those "top dogs" in the auto insurance business by looking at their history, what they offer and how they have become well known through the years.

Esurance: Although this company was founded only in 1999 through the Internet, they have progressed much through the years. The company started in four states and it was quickly bought by the White Mountains Insurance Group. Today, Esurance claims to insure about 85{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of the nation's drivers and they are continuing to grow by providing coverage in 28 states. Since they were founded, this company has strived to give customers the best rates in the market with the best coverage. They pride in their customer service techniques and on the fact that their customer service agents are available 24 hours a day, 7 days a week. This insurance is said to be the first one to offer their products entirely online, making it a little easier and convenient for people to get quotes and enroll from the comfort of their own home of office. The company has grown so much that they have expanded to offer not only auto coverage, but also life, health, homeowner and motorcycle insurance.

GEICO: One of the largest automobile insurance companies in the United States, GEICO is best known for their little gecko speaking in a British accent, or for the caveman commercials that highlight the fact that getting a quote online is "so easy a caveman can do it. " The Government Employees Insurance Company (GEICO) was founded in the 1930's when the Great Depression was still hitting this great nation. Leo and Lillian Goodwin started the company in the state of Texas because they had a vision of lowering premiums for selected customers. The company became more and more famous around …

How To Lower Your Pay As You Drive Insurance Premium

Nobody wants to pay an arm and a leg in motor insurance premiums every month, and that is why a lot of people choose to go with pay as you drive car insurance. Pay as you drive motor insurance seems to be a fairer way of insuring yourself, as you will only have to pay for the kilometers that you drive every month. Your pay as you drive cent per kilometer rate is based on your risk profile. You will be charged a small set fee every month which is to protect your vehicle against theft or attempted theft and fire damage. It is the risk profile that you need to try and lower so that you can pay a cheaper monthly premium.

Your risk profile is based on a range of factors, which include your age, gender, location, the vehicle you drive and the security on your vehicle. Naturally, you can not change your gender, and if you are a male you will automatically pay more for your car insurance premium than if you are a female. This is because females are seen as lower risk drivers. Should you be a male, or even a female who wants a lower premium, there are ways of lowering your risk profile. Naturally, you can not change your age, but you can ensure that you have a clean driving record to ensure that you get a lower premium. If you are young, see if taking an advanced driving course will help you be deemed as a lower risk to your insurer.

You naturally would not change where you live just because of your car insurance premium, so it is advisable to up the security on your motor vehicle so that you can in turn lower your premium. The first thing you can do, if possible, is to ensure that your vehicle can be kept locked up overnight. On top of this, you must install a good security system on your vehicle. There are many security measures you can now put in your vehicle, such as an alarm, immobilizer and gear lock. Luckily, when you sign up for a pay as you drive insurance policy they will install a tracking device in your vehicle to monitor how far you are traveling each month. This tracking device also lowers your monthly premium as it is lowering your theft risk in that if your vehicle is stolen they will be able to trace it.

You can easily find a good pay as you drive insurance company online. You need to obtain a few quotes before you make your decision so that you can be sure you are getting the best deal. A pay as you drive insurance policy is a good move because you will be paying fairly towards how far you are driving. A good pay as you drive company will give you a certain amount of kilometers free each month before you even have to start paying for your mileage. …

Make Money The New Way By Going Online

With the advent of the Internet, more and more people are being exposed to the idea that they can make money online. Newcomers and experienced professionals alike are making cash from hundreds of dollars a day to millions of dollars a year. Of course, the work required to achieve these financial opportunities will vary. Many opportunities are scams, but with optimism and careful research, you can find an opportunity that works for you. Small sums of money can easily be made overnight while larger amounts of money usually come around after months of careful time, research, and financial investment. Here are some common ways that people can achieve monetary success online.

Online Garage Sale

Hosting your own online garage sale, or selling products online, is the fastest and easiest way to make money online because there are always streams of people who are looking to buy. All you have to do is put up an ad and sit back. Putting up a quality ad on a popular website or store like Craigslist or Amazon will usually guarantee a quick, successful sale.

Freelance Work

Many people have found that the easiest and quickest way to make a decent amount of money online is to do freelance work. There are a myriad of freelance websites that hire a wide range of telecommuting employees. Professional fulltime comes are available for computer programmers, designers, illustrators, photographers, virtual assistants, and more. The amount of money varies by experience and education, but anyone who knows how to put together a webpage or a good sentence can earn money.

Online Business

One of the most lucrative ways to make money online is to start an online business. Many people nowdays go online to learn about new people, businesses, and ideas, so you can not go wrong here. If you already have a business, taking it online will give a huge boost to your local sales.

An online business is just a place where people buy products, which could be car parts, e-books, stuffed animals, overnight-delivered food, or anything else that people buy. You could take out a listing in the online yellow pages or set up your own blog, website, or e-store. You may have to deal with heavy competition, but the effort will be worth it.

Affiliate Sales

An online business has the power to attract the attention of consumers from the remotest parts of the globe. Selling affiliate sales is the same deal and the only difference is that you are just selling other people's products. This work is not effortless, but it still requires less effort because you do not have to make the products. Fortunately, there is always a revolving collection of selling methods that can help you increase your sales.

The new gold rush has flocked to the Internet. Learning how to make money online will depend on your needs and efforts. Do you want to earn cash for lunch every day or do you want to earn a fulltime income? If …

Personal Freedom Through Feeling and Releasing Emotions

Employers lose $ 200 billion a year due to stress-related ailments and 75-90 percent of employee visits to hospitals are stress-related, according to the National Institute of Health. What amazing statistics!

Why we are not attacking stress with the same vigor with which we have attacked drug addiction or drunk driving, I know not. After all, stress is one of the core factors that leads to dangerous behaviors in adults.

Most American adults are operating past their stress thresholds on a weekly basis. Driven to distraction to placate their suppressed and often intense feelings of anxiety and worry, they eat, smoke, drink, stare at the television, video game, etc … to temporarily remove themselves from unwanted feelings. What is interesting is that we obsess over our addictions but often do not look at the root. What is underneath the need for distraction?

Distractions are "state variables" . They make us feel something different than what we were previously feeling. For people who default state is anxiety … state variables are life savers, though they may not be healthy.

Knowledge is the first key to unraveling your stress spiral.

1. Identify when you move toward distractors; when your emotions are such that you choose to eat, drink, smoke, etc … to change your state. I am not talking about taking care of hunger or thirst. We're talking about neutral or negative behaviors we choose to make us "feel better", to move away from an uncomfortable emotion, thought or general state.

2. Notice Patterns in this behavior. Is it something you do everyday? After work? When you're with someone, or alone?

3. Work backward. When you recognize the distractor behaviors and then see the pattern, back up farther to identify what emotions you experienced that preceded the want to change your state.

4. Accept that adopted emotions are key contributors to increased stress levels. There are many factors to stress, however, unexpressed, unacknowledged emotions are very powerful. The answer is not necessarily to blow your top whenever you feel upset or cry your eyes out when your boss is a jerk, as those behaviors will most likely make things worse.

5. Learn to feel your emotions fully by finding a place and time to sit calmly and have your emotion. You may think that if you engage it or surrender to it, that it will take over, but that is not the case. Most emotions just need to be fully felt. They are like the hot air in a small balloon, once you make a hole, it does not take much time for the hot air to be released. Most emotions take generally 3-15 minutes. This is one way to release emotion. There are numerous processes that I use in coaching. You can Google the subject "Emotional Release Process" and find many resources. I will be posting more here soon.

6. Never again suppress how you really feel. The energy of a suppressed emotion is like a fireball stuck in your body …

Make Money Online Sharing Tips

Have you ever imagined a situation in which to make extra money, you do not need to wake up, start thinking of how to get to work each day? Rather than working when you need to work, you only work when you want to. Through the internet, you can make a lot of money and live the kind of life you always dreams of. In this article, we will be discussing some of the ways you can make money online.

Here are 5 tips which I would like to share and help you to explore making money online. Go through each tip and choose the best one which will work for you. I believe with your perseverance, results will show gradually and turn into a long term passive income source for you.

CB Passive Income

The idea of CB Passive Income is teaching individual various methods of generating quick traffic which is then sent to a squeeze page. With this, you can build a money-making email list. After then, various Click Bank products are then sent to every email on the list. Once a sale is made through a link, a certain commission will be received by the owner of the list.


Freelancing is another simple approach in which you can make money on the internet. As a freelancer, you work online by offering little services. You can offer totally anything varying from writing, playing tricks, interpreting, making music, short video clips, voice overs, and lots more. Freelancing gives you the opportunity to make money online while doing what you love most.

Email Marketing

Email marketing stands at the heart of each effective activity on the internet. If you are really serious about making money on the internet, email marketing is unquestionably a great avenue in doing this. If those email subscribers are effectively and acutely inspired by what you need to say, and they joined directly through your web page or blog, your rate of success will be much higher.

Websites that pay

Another way to make extra money while you work from home is by performing various tasks on some website. The task may range from shopping to taking surveys to testing products. Some of the websites include Swagbucks, InboxDollars, Project Payday, User testing, and so forth. However, do not dream of earning millions. Just an opportunity to save extra money.

Work-at-Home Companies

Furthermore, certain companies are ready to hire your expertise, even if it requires that you work from home. You will be assigned specific tasks to handle. Once you complete the task, you will be get paid. Some of these work-at-home companies include CrowdSource, Liveops, Leap Force, and Demand Studios.…

Valuable Tips For Choosing What to Sell at Flea Markets and Any Other Small Business

As people are turning from employers to self-sustaining sources of income, flea market vending is becoming a popular alternative to traditional jobs. Flea market vending offers a viable solution because of the small amount of cash it takes to start up and the freedom that the business offers. Setting up to become a vendor is essentially a snap. Knowing what to sell is the big question, though. By following a few simple guidelines vendors can build an inventory of merchandise that will make their booths profitable show favorites wherever they set up.

As a vendor your goal is not only to sell products that people will buy but also to purchase those products at a cost low enough to allow you to sell them for a decent profit.

At a minimum you should be able to double your money on each sale. If your cost for an item is $ 2 but you can not sell it for more than $ 2.50, you are not making a decent profit. If that item could have sold for double what you paid, it might have been worth the investment to purchase a box of them. Remember that you are selling in limited spaces and you need to be able to stock items that will bring in profits high enough to earn you a living, as well as to purchase more merchandise. Once you understand that your merchandise must have profit potential, you need to find out what people want to buy. It is not going to do you any good to end up with a box of low cost inventory that no one wants.

Go to a flea market and explore what is going on at the booths. Why is a particular booth getting so much attention? Are people just looking or actually putting their cash on the table? Interest is a good thing, but if no cash trade follows, a crowd at the booth is not doing a vendor much good. Spending the time to evaluate what sells and what does not give you a better idea of ​​the type of merchandise to sell.

Avoid merchandise which is only interesting to certain groups of people without your booth being set up at an event specifically for that interest group. If there are going to be forty thousand people at a show, you do not want to cater to only a few hundred of them, you want something that will be of interest to all of them. For example, if you specialize in gemstone rough and set up a table at a rock and gem show, all you need to make sales is quality gem rough material at reasonable prices. If you go to a flea market, however, only a few people in a large crowd may be interested in your products. You will need something else to draw the general crowd. If you are diligent you might be able to find merchandise that will appeal to both the public and your …

John Assaraf’s Winning the Inner Game of Money Review

Did you ever dream of living a luxurious life with everything you ever desired and all this available at the tip of your fingers? You did. Well, most of us did, but the million-dollar question is HOW?

The answer rather surprisingly is very plain and simple. But before giving you the answer let’s learn a bit or two about the person who devised this amazing technique to let us pursue our dreams and get what we wanted rather being satisfied with what we need. Sounds too good to be true? Read on to know what we are talking of.

The person in question is John Assaraf. He was just like any other teenager, wondering aimlessly with no direction in life and a shuddering desire for an ecstatic lifestyle. On his wild goose chase of fulfilling desires and leading a life with a purpose and meaning discovered a method of success in business and life through brain research and quantum physics as these subjects are relative. Through his dedication and hard work John Assaraf is a multi-millionaire and a proud owner of several companies of high repute.

So what exactly is this technique and how does one follow the prescribed method and effortlessly go on to be a millionaire. It is called the ” winning the inner game of money” and it works so amazingly well that you can’t believe it unless it happens to you. In this program John Assaraf will guide with the help of the advanced techniques like cutting-edge brain entrainment technology; sound wave patterns; 3-d / surround-sound technology; affirmations; subliminal messages; sophisticated audio interpretations and elements of emotional freedom technique; eye movement desensitization reprocessing; guided visualization sessions; and meditation tracks to program your mind to succeed in the monetary domain.

With the help of certain mastered techniques like ‘neuro re-conditioning’ John will guide you through a detailed procedure of altering your sub-conscious habits and beliefs which result in improvising your thought process about money, success and fame.

It wouldn’t sound incorrect if we regarded this technique as one of the most impactful discovery of this decade. This is a tried and tested method and the result are bound to leave in awe. The whole technique works based on the processing of mind and the response of our neurons to various stimuli. By varying the functioning of our brain with the help of these flawless techniques we can alter our thought process and think big money and success wise.

So, if you are someone who always had this desire of being a millionaire and had the courage to do the hard work, this program is custom-made for you. Moreover this is a hassle free and effortless method to make your dreams come true. Don’t wait for any genie to come out of a lamp and make your wish come true. Be the master of your own desires and click here to open the gateways of your success.…

Factors to Consider Before Buying a Property

Everybody dreams of owning a house at one point of time. But possessing a house is no joke. It requires careful consideration and planning to make such a heavy investment. A lot many things have to be kept in mind before buying any property. The main concern is finance but there are so many other things that are directly related to it.

Here are some factors that should be considered before buying a property:

1) Stability of income: Doing well in your work and earning good money may excite you to buy property at the moment. But it is very important to analyze your financial condition before making any big purchase. How stable your job is at the moment, will your salary increase in some time, what are your other expenses and how safe is it to invest in an asset are some of the most important questions to answer. If you’re uncertain of your future income situation, then picking up a mortgage isn’t a really good idea at the moment. Wait for some time and save more money for down payment.

2) Credit Score: A credit score is a statistical number that depicts a person’s creditworthiness. Lenders use a credit score to evaluate the possibility of a person to repay his debts. It also determines the rate of interest at which the mortgage will be given if it gets approved by the bank or creditors.

3) Personal commitments: What are your personal goals? What expenses do you see in the near future? Are you getting married or planning a baby? What are the expenses that may delay your mortgage buying? All these events will incur heavy expenses and may delay your property buying task. Ask these questions to yourself and consult your dear ones before planning to take such a major step.

4) Real Estate scenario: What is the real estate trend in your area? Are the property prices going upwards or are in a stable state. If the prices have gone up, will your finances allow you to make that purchase? Some area of your city may be attracting a lot many builders hence the rate of property might be on an upsurge. If the prices are going down, you may be lucky in buying your desired property at affordable rate.

5) Expectations from the property: Buying a home may be for different purposes- it could be for your own use or may be your second home i.e. investment. Since investing in real estate is considered to be the safest bet, a lot many people buy homes and put it on rent to get returns. If you are buying it for your own purpose, you may prefer a specific locality or a specific area, but if buying for investment, you may overlook such points and just concentrate on buying a property that may suit your budget.…

Ways Startups Can Fund Their Businesses

It is one thing to come up with a viable business idea and quite another story to work on it and start a real business. Putting a business from down up can be quite a challenge, especially when you have limited funds. Youths particularly have financial issues when trying out their pilot projects and some boost is always welcomed. But even with the shortage of capital to start you off, you do not have to let your business idea to wash down the drain because there are a number of options through which you can get the funding that you need to get you on your feet.

Self-funding – It may seem impossible, but it is actually very possible for entrepreneurs to fund their startups. This can be through using personal debt or savings. If you have any assets to your name, you can also consider selling those to generate the cash you need for the business.

Cloud funding – Pitching business ideas via the internet have become very popular among entrepreneurs to get the funding they need. There are numerous groups that offer such opportunities where multiple investors interested in the business idea contribute the needed funds towards the business. Such groups, of course, have restrictions and you should be aware of such before pitching.

Small business lenders – There are lots of organizations that are always interested in lending to small businesses and through such loans you can get the financing you need to get your business off the ground. You may need to secure such a loan with some asset type and pay interest in a specified time frame.

Banks – Banks make business loans for small businesses available. This may also require some kind of security and a track record that gives the lender confidence in you. The terms will vary from one provider to another, so you can compare options to select the most suitable for your business.

Partners – You may not want to partner so soon into the business, but it is one of the easiest ways of getting funding for the business. Strategic partners add value to the business by aligning the needed resources and in some cases, they could prove to be good business advisers too. Your partner may choose to become part of the business team or not; Just ensure the terms do favor you as well.

Angel investors – They are affluent individuals with the will to invest in businesses. The investors are now turning into investment groups so as to spread risk and to also pool research. You can use your local chamber of commerce to find out who is interested in funding new ideas and ventures or you can also conduct online searches to find out the same.

Family and friends – They are the people closest to you and may be willing to provide you with debt or equity funding that you need to get started. It may not be a good idea to sell part …

Why Own a Business?

If you do not own a business, then a business owns you! A wise man told me that working for someone else is the equivalent of renting your life out. There is no profit or tax benefits for you because it all goes to the owner. Some business owner gets a huge tax break because you work for their company, while you get taxed tremendously. The worst part about a job is that you let someone pay you what they think you are worth to them. So how much are you worth?

Jobs were not created for you to profit, that is why they give you just enough (or a little more than enough) to keep you coming back. If you as an business owner paid your employees more than enough (or at least what they were really worth) than you will not profit much or often they will not need you. I think it is amazing that people think that starting a business is too risky but think they can find security in a job. Unfortunately, most of us have been programmed to get an education to learn how to work for someone's business, rather than our own. A JOB (Just Over Broke) Where your destiny is in the hands of someone else, who in most cases does not care about you and will replace you if you left your job today.

If you did not get paid from your job for one month how would that effect you? Better yet, what would you do if you lost your job? How long will it take you to achieve financial and time freedom if you you keep doing whatever it is you are currently doing to survive (I'm sorry, to make a living)? You should at least have some passive income coming into your home, so that you will never be taken off guard. You may be thinking I can not afford to invest in a business right now, but I'm here to tell you that you can not afford not to invest a business now! Trust me, it will cost you more the longer you wait! Even if you do not take advantage of the opportunity that I have to offer, at least see to it that you invest in some type of business for yourself!

However, if you do not own the right business with a great marketing system and a unique product, the chances are that you will have to work extremely harder to profit in your business. I mean come on folks let's be honest, the whole purpose of owning a home-based business is to work smarter not harder! I know I do not want to join an opportunity where I have to beg and plead with people just to join my business. I would want to have an business or product that sells itself, where I'm just an agent to give you more information to help you decide if this business or product is right …