Unsecured Tenant Loans-cover Your Financial Risk With Ease

Friday, May 31, 2013
Need to solve your economic queries but don’t have adequate finance? Your tenancy status is creating more troubles in availing an external loan help due to unable to place any security? Now with the availability of unsecured tenant loans in the financial market, being a tenant is no more a bone of contention for you to get financial assistance. These loans are designed for the tenants who are unable to pledge any security. This loan service is for you without any compulsion of collateral pledging.

You can simply balance your monthly expenses and requirements by applying with unsecured tenant loans with ease. The loan money one can avail with these loans can be varying from £1000 to £25000 with the flexible reimbursement period of 1 to 10 years. To avoid being charged with extra penalty charges, make the repayment of loan within the stipulated time period. Moreover, you have the freedom to utilize the loan amount for any of the reason such as:

-Purchase a car of your own
-Pay off the previous debts
-Go for an exotic vacation
-Bank overdrafts
-Throw a grand party etc.

To overcome your financial problems skillfully, council tenant loans is the feasible financial solution. If you have various blemished credit records in your account and facing bad factors like arrears, defaults, bankruptcy, insolvency, foreclosures and so on, you are still applicable. The lenders of these loans avail you the required amount despite of your poor or imperfect credit records.

Its unsecured nature does not demand any collateral from you. Removal of collateral pledging makes the application and approval quite easy and quick without any property paper work and collateral assessment procedure which takes a long.

Unsecured tenant loans can be termed as a safe and risk free loan form available to you with ease of online method. You just require completing a single online loan form with few personal details. The lender will approve your loan application and the loan money will get submit in your checking account within least possible time. Search an affordable loan deal comparing various loan quotes.

Shopping Online - How Safe Is Online Shopping?

Thursday, May 30, 2013

When you first make a purchase online there will be certain security questions you will need answers too. Is shopping online secure, is one question which gets asked over and over again by those considering making a purchase. In this article I hope to touch on a few of these security doubts, such as:

1. How Secure is Shopping Online?
2. Is your Online Retailer Reputable?
3. How can I tell if a web page is secure?
4. Determine the Returns Policy?
5. Product Authenticity when Shopping Online.

1. How Secure is shopping online?

This article will discuss some of these questions in an effort to help readers make informed decisions regarding online shopping. Online shopping is as safe as you make it. What I mean by that statement is that you must do some homework on who you purchase from. That doesn't mean you have to go through loads of good guy bad guy reports, it means that you have to tread carefully and be aware that there are some dodgy dealers online waiting to gain possession of your bank details, which will arm them with the information they need to rip you off. Be aware of dodgy dealers and unbelievable bargains. Most reputable online retailers will have security measures in place. You will find a couple of ways to check these measures further in this article.

2. Is your Online Retailer Reputable?

When new to online shopping, determining whether an online retailer is reputable should be your first consideration, before deciding whether to make a purchase. One easy method to check out the reputation of a retailer is to consult the Better Business Bureau or BBB for short. Here you can search a comprehensive database of BBB Reviews, using various methods of retailer id. Such as:

* Business or Charity Name
* Type of Business
* Type of Charity
* Website URL
* Phone Number
* Email Address

You can use a location to centre your search on a specific region by adding "City and State" or "Postal Code" when searching by type of business. You the shopper can find information regarding previous complaints against the online retailer; this information will help you to determine whether the retailer has a good or bad reputation and whether they deal fairly with customers.

Online retailers who have been in business for a few years and do not have many complaints against them can generally be trusted. This will usually be the larger online companies; you may pay a little more for your chosen item, but you will have the security of knowing your purchase will be delivered, and on time.

3. How can I tell if a web page is secure?

Identity theft can cause tremendous problems for online shoppers; the security of the server used to complete your purchase should be questioned. A very simple way in which an online shopper can determine whether or not the website is secure is to examine the web address in the top of screen address bar. Once you login to a website to actually make a purchase A secure website will have a prefix of https://, note the "s" at the end, an unsecured website will have a prefix of http.

You can test this by visiting a security site called (ssl.com. Prefix with www.). Note the URL in the address bar begins with the "http" meaning this page is not secure. Now click the link in the upper-right hand corner to "Log in". You will notice a change in the URL. It now begins with "https", meaning any sensitive information such as your user name and password, typed in, will be encrypted before being sent to the server.

Another standard among web browsers is to display a "lock" icon, somewhere in the window of the browser. For example, Microsoft Internet Explorer displays the lock icon in the lower-right of the browser window: If the website is not secure the online shopper should check out customer reviews on the chosen retailer website or consider making your purchase through the customer service department of the retailer.

4. Determine the Returns Policy?

By reviewing the returns policy of a retailer will also give the shopper a good indication of whether the seller is simpathetic to customer problems. Restrictive Return policies should be considered suspect by the shopper, this may indicate a need for the shopper to do some additional research before deciding whether to purchase from a particular internet retailer. Again check out previous customer reviews; where there are no reviews could be another indication for caution.

5. Product Authenticity when Shopping Online:

Authenticity of products purchased is another consideration for the online shopper. This is important because, it can help to prevent the shopper from purchasing replica items, or items that are very similar but with the same name and title of the item you are seeking. Verifying authenticity is not usually a problem when purchasing from a retailer who is licensed to sell the item. However, problems may arise when the shopper is buying an item through an auction website, an individual retailer, or the item is such an incredible bargain as not to be believed. This ability to spot authentic items usually comes from researching the items well and being aware of the key features, or by ensuring you use an extremely popular retailer.

Traditional Stores Offering Online Shopping:

Many of our every day traditional stores, can also have an online presence. This includes retailers of all types of products such as electronics and home appliances and general merchandise stores offering a wide range of consumer products. Another benefit of online stores is that they are open 24 hours a day, seven days a week; this gives the online shopper the flexibility to do their shopping from the convenience of their own home. This eliminates the necessity of travelling to the stores, parking close to the store, struggling with holiday shopping crowds and of course carrying your purchases around whilst looking for other items to buy. Another advantage of shopping in online stores over traditional stores is you can visit online retailers which do not have a traditional store located near your home.

The Numbers Are Great (Don't Look Too Closely)

Wednesday, May 29, 2013
How much will health insurance cost next year? The predictions have keenly reflected the political affiliations of the prognosticators. Democrats are still clinging to the possibility of premium reductions. Republicans are having difficulty hiding their glee over the possibility, especially in Ohio, of rate increases of 70% and higher.

The first test was the release, last week, of rates for Covered California, the individual health insurance exchange for the Golden State. Though the exchange is designed to offer up to 13 insurers per area, no area will have more than six insurance companies participating. Some areas will have only three insurers! Major national insurers such as Aetna, Cigna, Humana, and UnitedHealth Care will not be available through Covered California. Anthem Blue Cross, a division of California’s WellPoint, and Kaiser Permanente, also based in California, will be offered through the exchange.

So how are the numbers? Not bad. Paul Markovich, president of Blue Shield of California, is quoted as saying that the final rates will reflect an average increase of only 13% above individual policies currently available.

The release of these rates was met with a huge sigh of relief from the Democrats. The possibility of a 40 year old purchasing coverage in Los Angeles for $250 per month meant that the Patient Protection and Affordable Care Act (PPACA) might work. Sure San Diego will be 20% higher and San Francisco 40% - 50% more, but it could have been worse. A lot worse.

It only took a few days before we got our first end-zone celebration. Paul Krugman, writing in the New York Times, noted, “Yet important new evidence – especially from California, the law’s most important test case – suggests that the real Obamacare shock will be one of unexpected success.”


Luckily for the Democrats, Krugman, and their other apologists, Washington and the national press have been too consumed by the recent out-break in scandals – the IRS, Benghazi, and the press surveillance – and the tornado in Oklahoma to look at hard numbers. A chart like the one above takes real time and effort to deconstruct and understand. Who has time for that? Hell, I consider myself lucky that you are still reading this.

Please take a few moments away from Coasterville on Facebook and look at the above grid.

  • Forget who is missing among the top three choices Californians will be offered and look instead at who is there. Nine of the fifteen options are HMO products. Though many of us have had excellent experiences with Kaiser Permanente here in Cleveland, even their representatives are quick to point out that an HMO, even theirs, isn’t right for everybody. Two out of the top three options in Los Angeles are HMO’s, the type of insurer that is best suited to meet the PPACA’s requirements. Are two out of three Californians currently choosing to be covered by HMO’s? I doubt it.

  • The PPACA mandates that men and women pay the same price for insurance and that, among other things, maternity is covered the same as any other medical condition. Those rules are already in effect in California. The maternity coverage was instituted last year. The insured in Ohio will see a bump in their rates just from those two changes. Young healthy males will be the most affected by this change.

  • The rates on the chart are for the Silver Plan, a policy designed to cover 70% of the insured’s health costs. Regular readers know that the PPACA mandates four levels of coverage, Platinum, Gold, Silver, and Bronze. We are told to celebrate average rates of $242 - $351 per month for tier 3 coverage. We would freak out in Ohio.Residents of Cuyahoga County pay the highest health insurance rates in Ohio. Medical Mutual of Ohio, based in downtown Cleveland, offers a High Deductible Health Policy (HDHP) that you can pair with a Health Savings Account. The $2,500 deductible policy is $139.10 per month for a healthy 40 year old man. The commonly purchased options that have higher deductible are a whole lot less.

  • Those policies will be a lot higher in 2014

    • The above grid is a basket of apples and oranges. Individual rates aren’t compared to the current individual policies. That would look awful. Instead the rates are shown with the more volatile small group premiums.

    • We won’t have a grid like this in Ohio anytime soon. But when we do, the numbers will be great, just as long as you don’t look too closely.   DAVE   www.bcandb.com

      What To Know About Debt Consolidation In Connecticut

      Tuesday, May 28, 2013
      Sometime situations can get out of hand faster than you realize particularly when trying your best to establish and stick to a budget to manage your money economically. In life there are various things that happen out of the blue such as hours at work get cut, your automobile breaks down, a medical emergency occurs and much more. No matter how hard you work, before you know it you could be drowning in a massive pile of debt, unable to breathe as you're suffocating in all the responsibilities. The lifeboat that can help you survive life's more demanding moments could be debt consolidation in Connecticut. While it may not solve all of your financial problems as quickly as you’d like, it will certainly give you the relief that you desperately need.

      If you have multiple debts that you have to take care of then you would be a candidate for debt consolidation. After signing up for a program, the interest rates for your debts will decrease and it’ll be that much easier to pay them off. Money you are saving on interest can be put toward the debt repaying it sooner. Contingent upon your current situation, you could be a perfect candidate for a debt consolidation program. If you’ve compounded a number of payday loans, you might want to consider signing up for a debt consolidation program. Payday loans can quickly become another quagmire that you find yourself trapped in month after month, so you’ll want to get out as soon as possible. Any kind of debt can be described as a distraction and a stress that takes away from other commitments. If you aspire to live a certain religious lifestyle, you may want to see if there is debt consolidation in Connecticut designed just for you and your special religious beliefs.

      There are also debt consolidation loans for you to think about. You’ll need to make sure that you secure a large enough loan to cover all of your debts at the same time. You’ll either acquire a secured loan or an unsecured loan. A secured loan will often be required if the debt is higher than $10,000 and that requires something to be put up as collateral should you default in any way. An unsecured loan is one where it just requires a signature and a promise to pay from you. A debt consolidation loan is perfect because the amount you pay monthly is less than paying off individual debts that is definitely great. You might also want to think about consumer credit counseling. Typically a lot like debt consolidation, you will be working with a credit repair professional who then contacts any and all creditors and gets a reduced rate of interest on your debt. Able to properly work with you in establishing a plan for eliminating debt, a consumer credit counseling service can structure your expenses in a more manageable way.

      Debt consolidation in Connecticut does offer another alternative which is to transfer the debt to a 0% interest credit card. Any debts with interest rates that happen to be 20% or higher can be transferred to the new card in the event you are eligible for this type of card and there will be no interest accrued for six to Eighteen months. While debt consolidation will not work as quickly as you’d like it to, it can free up your finances so that you can concentrate on other things in your life and not have to endure the never-ending telephone calls and letters from creditors. You’ll discover that you can not only consolidate your debt, but your sanity also.

      Why Should Accountants and Bookkeepers Get Errors and Omissions Insurance?

      Monday, May 27, 2013

      A common misconception is that doctors and lawyers are the only professionals in need of Errors and Omissions (E&O) insurance. In fact, nearly every organization that provides a service to a client for a fee has E&O exposure, and because professional requirements are broadly defined in legal terms, Professional Liability insurance shields businesses from the unforeseen.

      Errors and Omissions insurance, also known as Professional Liability Insurance, protects organizations or individuals against claims of professional negligence throughout a variety of professional services. This includes errors or omissions that the company actually made or that the client perceives were made. Errors and Omissions claims are not covered by General Liability insurance.

      Insurance for Tax Preparers

      Errors and Omissions insurance is particularly important for Certified Public Accountants, bookkeepers and tax preparers. Every year, in the U.S., thousands of suits are filed against tax preparers and bookkeepers, and, in the wake of nearly every corporate scandal, new lawsuits arise.

      For bookkeepers, tax preparers and accountants, the tax and audit landscape is constantly changing. Clients rely on these professionals to be up-to-date and accurate, but no matter how polished a tax preparer or accountant is, and regardless of how seamless their risk management procedures are, mistakes will happen.

      For instance, if a client is audited on their tax return, and there is in fact an error resulting from a simple miscalculation on the tax professional's part, the tax professional would be held responsible for any IRS-assessed penalties and interest the client was charged. Also, if the preparer overlooked or failed to include information provided by the client, they would also be at fault. Even if a client failed to provide a piece of information to the tax professional and then filed a frivolous suit, the tax preparer would still have to pay potentially exorbitant legal fees to defend themselves.

      Even the most minor mistakes can cause substantial problems for clients, and without Errors and Omissions insurance for tax preparers, a firm or individual would likely not be able to survive even a single claim brought against it.

      Bookkeepers Require Coverage Too!

      Likewise, bookkeeper Errors and Omissions coverage would protect the bookkeeper in similar situations where figures might have been miscalculated or information was omitted, regardless of whether or not it was their fault or their client's fault.

      History has shown that when a major corporate scandal is uncovered, racketeering lawsuits against accountants typically increase. According to an article published by the Manhattan Institute for Policy Research, during the late 1980s, in the midst of the Securities and Loan debacle, damage claims against accountants were estimated to be between one and four billion dollars - a figure that was purported to exceed the net capital of all accounting firms combined (Lawson & Olson). While some were involved in ill doings, others were reputable professionals. While a litigation onslaught of this magnitude may never be repeated, it is a risk that E&O insurance for accountants will safeguard against.

      Most E&O policies will cover judgments, settlements and defense costs, even in cases in which the allegations are found to be frivolous. Without Errors and Omissions Insurance, the cost of paying settlements and court fees would leave many bookkeepers, accountants and tax preparers in extreme debt, or even bankruptcy.

      Shop Online Or Risk Getting Mauled At The Mall

      Do your ears perk up when you hear that your favorite store is having a sale? Do you spend endless hours surfing the internet for discounts? Does it feel good to help others? I bet most of you answered yes to these questions. In fact I will surmise that you'd even make donations to your favorite charity if you could do so simply by shopping. Am I right? Then read on, my friend, I have something terrific to share with you.

      I discovered that there's an online shopping mall with at least 1000 stores in it. Gap, Macy*s, Bow Flex, Jos.A.Bank, Kohls, Old Navy, Martha Stewart Flowers, Target, Nike, Home Depot, Perfumania, K B toys, K Mart, Ralph Lauren, Best Buy, PETsMART, and StarBucks, just to name a few. The shopping mall in which I'm referring is unique because it's FREE to register, prices are competitive, and you get discounts or earn rebate checks when you make purchases.

      Ginny Dye, the Founder and CEO of "My Power Mall," created a way that you can help others just by shopping online. I am not kidding, it's true. Through Ginny's efforts, when you register and shop online at "My Power Mall," 6.5% of all corporate profits go into the One-Child-At-A-Time program. Not only does this program help needy children all over the country, but it also is an excellent FREE fund raiser for college tuition, non-profit organizations, clubs, businesses, & families. I think Ginny is brilliant and should be commended for taking the initiative to put together such an awesome program. Especially the part that benefits children. What an unselfish act of kindness and generosity. Don't you wish this would have been your idea? I do!

      Today's society desires and appreciates convenience. Well what could be more convenient than shopping online in the comfort of your own home? If you want to do some holiday shopping, need a wedding gift or birthday present, but don't wish to face the elements, then "My Power Mall" is for you. Just stay home & shop at your own online mall. You don't have to waste your hard earned money on outrageous gas prices. There's no need to drive from mall to mall, fight the crowds, or wait in long lines to check out.

      You might say that this sounds too good to be true. I agree. It does sound that way, but this is the real deal. When I first heard about this opportunity I was a little skeptical, so I checked it out. I was very impressed with how easy it is to shop at "My Power Mall." Plus, it feels good to know that I am benefiting children simply by shopping online. I have to admit it's fun too!

      When shopping online, it's important to find out if a shipping fee will be incurred. If so, you must determine if the shipping charge is worth avoiding the hassle of getting mauled at a brick & mortar mall? Some of the online stores offer free shipping depending on the dollar amount of the total purchase, while others waive the shipping fee during the holiday season. Also, keep in mind that some brick & mortar stores may not honor sales prices offered from the online stores, nor accept returns. If an item needs to be returned you may be required to send it back to the store in which the purchase originated.

      You owe it to yourself and those kids who benefit from the One-Child-At-A Time program to take a look at this opportunity. There's no obligation and no fee to register. If you're like me and you enjoy helping others I recommend that you register for your free online shopping mall today.

      By the way, children are always looking for safe ways to make money around the neighborhood. Why not let them sign up for their own shopping mall & earn rebate checks? What a great way for them to acquire some extra cash, save for college tuition and become an entrepreneur at an early age by working at home.

      Just think, you could get all of your holiday shopping done early this year, help others and earn money at the same time. Wouldn't it be great to receive rebate checks in the mail after the holiday season is over, rather than just credit card bills?

      Together, we can make a better world!

      Understanding Stock Exchanges

      Friday, May 24, 2013
      The New York Stock Exchange (NYSE) is the largest and one of the oldest exchanges in the world. Founded in 1792 the NYSE is valued at nearly $13 trillion dollars. The NYSE is located on Wall Street and is the actual stock exchange that most people think of when they picture Wall Street trading. It has been featured in many films and is one of New York's largest tourist attractions. The NYSE operates in a auction-style modem with investors buying and selling stocks on the actual floor of the trading room.


      NASDAQ isn't a stock exchange exactly. It is actually a computerized version of an exchange dealing mostly in securities. Many companies are traded on the NASDAQ. The NASDAQ exchange is also located in New York and was the world's very first electronic market. NASDAQ has merged with the LSE, the AMEX and in 2007 acquired America's oldest exchange, the Philadelphia Stock Exchange. NASDAQ is one of the world's largest electronic stock markets. There are more than 3,000 companies listed and trading on the NASDAQ exchange.


      AMEX, or the American Stock Exchange has become the stock market for smaller companies. It used to be one of the main players in the exchange world but has since been relegated to a back seat position. After the Civil War AMEX was referred to as the New York Curb Exchange because traders operated and traded on the New York City streets.

      The American Stock Exchange has passed through many hands over the last twenty years. It has been purchased by NASDAQ, merged with the NYSE Euronext market and had some of its electronic information integrated into other markets as well.

      Foreign Exchanges

      There are stock markets and exchanges all across the world. The only real requirement for a stock exchange to operate is that there must be publicly trading companies in willing to buy and sell stock.

      Some investors prefer to trade in foreign markets because of the high price of the dollar. There are many stories of huge returns in foreign markets and for this reason many investors leave the American exchanges in hopes of doing better in the foreign markets.

      It is important to remember that many foreign companies actually trade in the American exchanges as well. It is possible to trade in foreign companies without ever leaving a domestic market.

      Many mutual funds also implement foreign stock into their portfolio. This stems from the idea of currency capitalization.

      Now that you have had a brief overview of the different exchanges, you can now more easily differentiate between the major exchanges. Knowing how the markets work is an integral part of any investors arsenal.

      0 For 2

      The Patient Protection and Affordable Care Act (PPACA) was supposed to cure two intractable problems:

      1. Access to Health Care

      2. The Cost of Health Care

      3. Of course, if you have been paying attention, you know that the PPACA has nothing to do with the access to health care or its price. Instead, the law is about the access and pricing of insurance. We were going to eliminate the scourge of 40 million uninsureds and make the premiums more reasonable.

        Today’s post is a quick status report on those two goals.

        * * *

        Nobody wants to be a political football. It is nobody’s goal to be the hot potato. So think what it must be like to be on the Ohio High Risk Pool policy. This is the interim program the federal government created to serve as a bridge until the PPACA becomes fully functional at the end of this year. To qualify you had to have significant medical issues and to have been uninsured for over six months.

        As noted in June 2010, Medical Mutual of Ohio won the contract to administer this underfunded and poorly designed program. Since then we have had the federal government try to change the rules and even attempt to throw some of our unhealthiest Ohioans off the program.

        Access to this bridge was blocked months ago. With funding running out, the program was closed to new enrollees. Today’s news was as inevitable as it was unwelcome. The federal government will take over the Ohio High Risk Pool at the end of next month. As of July 1st all Ohio members will be transferred to the federally run Pre-existing Condition Insurance plan (PCIP). Coverage? Price? Networks? Who knows? All of this information will be officially released sometime in the next five weeks or so.

        If you have a significant heart condition or stage 4 cancer and have relied on the high risk pool this last year, you might be concerned about this change. But don’t worry, as my friend and fellow agent Dave R. noted, “The people that underfunded this are the same people that decide funding for the unaffordable health care act. They refused to give the States the additional funds to keep the program in place for another five months”.

        If we really cared about providing access (insurance) to the unhealthiest amongst us, we would be ready to provide the funds necessary to get the job done. Here’s a hint – it is going to take a lot of cash.

        * * *

        This was an EXCELLENT piece in Time". Which is why nobody read it. Time and its like minded media partners are about as frequently consulted on the news of today as the New York Sun of "Yes, Virginia" fame.

        The above comment was posted by one of my readers, a local librarian. When challenged by other readers, he noted, “Nobody read it. That issue never moved from it's (sic) spot on the shelf until I placed the next unread issue of Time in its place.” I wish he was wrong. I wish dozens of visitors to his branch would have read Steven Brill’s Bitter Pill, Why Medical Bills Are Killing Us, a special edition of Time Magazine before someone had “accidently” taken it home.

        But it didn’t matter.

        Kathleen Sebelius, the Secretary of Health and Human Service (HHS), read and more importantly responded to Brill’s well-researched report. On May 8th Sebelius and the Centers for Medicare and Medicaid Services (CMS) released the actual charges for the 100 most commonly performed inpatient procedures. CMS even admitted that the document dump was in part due to Time.

        Shedding light on the incomprehensible and often indefensible pricing structure of our nation’s hospital was a public service. The national news covered it extensively. Local TV stations and newspapers combed the data for the specific pricing for hospitals in their service areas. Even online publications like the AOL Patch covered this news. Did you read the report? Probably not. Did your Congressman/Congresswoman read it? Maybe. But I will bet that the legislative aides have now read Brill and are now familiar with the term “chargemaster” and what that means to you.

        The links are all here. It is up to you. Do you want to be just another patron at that unnamed library or do you want to know the numbers? Neither Health Care nor Insurance will ever be affordable until we understand and begin to control costs.

        Our two stated goals – access and affordability – remain largely untouched and unsolved. That leaves us, for the moment, 0 for 2.   DAVE   www.bcandb.com

        Information Marketing - 5 Steps To Creating An Information Empire Using This Simple Formula

        Thursday, May 23, 2013

        Ever heard of the phrase 'information empire' on your online travels? Maybe you were looking for ways to make money online and heard of it before. An information empire is basically an assembly of information products that you own and sell online, that bring you some serious profits!

        At this point, you may be thinking, "I don't even have one ebook out there. How am I supposed to create an information empire?"

        Well, it's really simple. All it boils down to is having a system and implementing it.

        Here are 5 steps to creating an information empire using this simple step-by-step formula:

        1. Find Your Market

        You'd want to enter a market that has repeat buyers and that will remain profitable no matter the market circumstances. For example, the relationships market and the weight loss market are evergreen markets that will always be profitable.

        2. Build A Mailing List

        Go and build a mailing list of subscribers in your market. Create a simple squeeze page, offer a free product, and plug in your opt-in form from your autoresponder to generate leads.

        3. Create Your First Product

        Create your first product. This will be low-cost and it will act as your front end product. Create a buyers list from people who buy this product. A buyers list is worth far more than a subscribers list. This is a list of buyers!

        4. Create A High-End Product

        Create a high-end product. This can be a home study course or a video product. Sell this for $97 or more and promote this to your list!

        5. Create A Coaching Course

        Now create a coaching course or weekly mentoring session. This will be your most costly product as it is personal coaching via email, phone. You may even include a membership site and a private forum for this.

        Short Term Loans: Overcome Sudden Financial Problems

        Wednesday, May 22, 2013
        Is your financial need a small and requires quick attention? But you have no funds to sort this unplanned expense which is bothering you? Well stop worrying about such a small problem because there is an instant solution to it. Short term loans are a great financial help that can be trusted for small financial problems at any time. The cash amount is provided easily on time without asking you to meet heavy formalities.

        Are you facing impaired credit records like arrears, CCJs, bankruptcy, missed payments, defaults and IVA? Now, there is no need to worry about your bad credit because there is no credit check required.

        Short term loans are an ideal financial solution that allows you to sort your urgent financial needs easily on time. You can borrow anything varying from £100-£1500 for a term of 2-4 weeks. In case if you are unable to meet the repayment on due date then you can roll over the term by paying additional amount.

        Being short term loans these funds are offered at slightly higher interest rates as compared. By entailing short term loans you can easily fix up your small and sudden financial needs on time. With the borrowed funds you can pay off your car repair expense, pay for medical treatment, library fee, credit card bills, house rent or other such financial obligation can be easily met.

        You can quickly get the loan approval if you fulfill the pre requisite condition. In order to qualify you must be 18 years of age, must have a valid bank account and must be earning a regular source of income. If you fulfill all the above requirements then you can get the approval within a short time span.

        Short term loans are an instant relief to your problems as they get approved in less time. No credit check is done; no need to fax documents and no paperwork is required. The cash amount is easily transferred to your bank account.

        How To Sign Up For Winoptions Rebates Or Zoneoptions Rebates

        Saturday, May 18, 2013
        It is a fact of modern living that one never has enough income. With all the bills to pay and expenses that have to be met, even families where both husband and wife work and earn incomes could always use more money. That is why many people have made the decision to turn to alternative sources of income. While the traditional wisdom is that working long enough and hard enough will eventually get you to a position in a company where you earn a respectable income, that does not mean you cannot utilize other methods of earning more income simultaneously. Signing up for WinOptions rebates or ZoneOptions rebates is one excellent way of earning that second income stream.

        Both WinOptions and ZoneOptions are binary options brokers, specializing in enabling people to trade in the financial products known as binary options. While most people are familiar with stocks, which are also a form of financial product, most are unfamiliar with binary options. Binary options are basically a financial product which has a value that is based on an underlying asset. For example, the value of a particular binary option might be based on gold. Unlike stocks, which have varying prices at which you can either sell or buy, binary options have only two possible outcomes. You either earn a certain percentage on the value of the underlying asset, or you get nothing at all. In that sense, you can only win or lose completely with binary options.

        Income Supplement

        With sufficient information and experience, trading in binary options can be a rather profitable venture, and many people have added a significant stream of income to their regular earnings by means of trading in binary options. The challenge lies in being consistent with your trading activities, and learning the ins and outs of binary options trading. With enough time and effort, you will learn to recognize the patterns and trends that will allow you to make winning decisions more often than not.

        A Crowded Field

        The field of binary options brokers has grown very crowded in recent years, with many new brokers being started to cater to the rising number of binary options traders. With so many new brokers, however, individual brokers have had to come up with creative methods of differentiating themselves from other brokers and attracting more customers. Most have chosen to spend more money on advertising.

        This led to the creation of broker databases, which were websites that kept track of the various brokers and allowed potential customers to browse through the various brokers all in one place. In return, the databases would funnel interested customers to the brokers, and receive a commission for each successful new sign-up. When this field also became competitive, some of the best databases began offering rebates for customers who signed up through them. The customer would sign up with a broker, the broker would pay the database a commission, and the database would share that commission with the customer. This is an extremely attractive offer, and is how you can go about getting WinOptions rebates and ZoneOptions rebates when you sign up for your binary options broker account.

        How To Shop For No Win No Fee Solicitors Online

        Thursday, May 16, 2013

        If you encounter an accident that results in bodily harm that is not of your own doing then you will immediately want to begin seeking out no win no fee Solicitors to handle your case. The moment that you encounter any type of accident you will want to do this immediately. Otherwise you could miss your filing date and be unable to file your claim. You are limited by time when it comes to how long you have to file your claim. Therefore, the moment that such an accident arises, no matter what kind it may be, you need to file a no win no fee claim with a professional that has years of experience when it comes to handling the type of claim that you are dealing with.

        Whether you were in a car accident which was not your fault or were involved in a work related accident you can’t afford not to seek out the very best no win no fee Solicitors the moment that such an accident occurs. If you put this off you could end up having to pay your medical bills on your own and will not be reimbursed for the time that you had to take off work due to your accident.

        The best way to go about choosing a Solicitor that can provide you with no win no fee claim services is to immediately take your search online. You want to do this so that you can determine what options are available to you. There are numerous lawyers in your area. You must now carefully determine which one is the very best for you and which ones actually specialize in the type of case that you have.

        By doing this with the assistance of the internet you can quickly compare your options and figure out which options will save you money, which ones have the experience to handle your case, and which ones actually specialize in this area. The more expertise that they have the better your chances will be at winning your case.

        One thing that you want to do is avoid any Solicitors that charge fees up front for their services or that charge high percentages in the event that you win your case. This is of great importance. Chances are that you don’t want to end up overspending and want to ensure that when you do win your case that you are able to keep the highest amount of your winnings as possible.

        The second most important thing to consider is the level of experience that they have and what type of expertise that they have. Expertise is vital. For example if you are filing a slip and fall claim you will want to be certain that the lawyer that you hire has had experience in this area and that they have a track record for winning these types of cases.

        Keep these things in mind and you will save yourself from all sorts of problems when it comes to finding the very best Solicitor.

        By: Vikram Kumar

        Article Directory: http://www.articledashboard.com

        Are you looking for the best No Win No Fee Solicitors ? If so you should turn to the experts at No Win No Fee Solicitors to file your No Win No Fee Claim .

        If You Shop Online, the Perfect Home Business Awaits You

        There are a lot of programs out there and the perfect home business awaits you! The majority of Home Businesses on the Internet revolve around Network Marketing. In its essence, Network Marketing is one of the most powerful revenue generating business plans available. It not only creates revenue but it creates residual revenue.

        There are many articles on the topic of Network Marketing. The main thing you must know is that a product or service must be sold in order for anyone to make money with this type of business plan. The FTC (Federal Trade Commission) ensures this holds true and that the business plan does not revolve around people make money only by recruiting.

        Now, let's get back to Online Shopping. Shopping online is hitting all time records. There is nothing hidden in the reports. The media has covered this extensively and you see the evidence everywhere. The traditional "brick and mortar" stores are taking a hit and online sales are soaring.

        Why are consumers shopping on line? It saves time. You can comparison shop several retailers within minutes. Online specials run daily. Shipping is quick and cheap. Transactions are secure.

        All of these answers help the consumer save time and money.

        The perfect home business is waiting. It is a combination of E-Commerce and Network Marketing. It is an online business that is partnering with almost all of the biggest names in retail in one portal.

        There are many home businesses and programs on the Internet today. Finding the right home business is very important. If you are reading this article, more than likely you shop online. If you shop online, more than likely you shop with one of our partner retailers.

        Are you tired of not getting the results you want in your home business?

        Work at Home Internet Marketing Business

        Monday, May 13, 2013

        Many people with successful traditional businesses have started to transition into starting a work at home internet marketing business. There are many benefits to this type of business, as it allows a flexible schedule and time freedom.

        This transition can be tricky, especially if you are new to the world of internet marketing. The following are a few tools that you can use to market yourself online and make the transition more comfortable.

        Start Blogging

        Blogging is a great way to introduce yourself to a new online market. By posting on a regular basis, you will be able to update your market on things within your business as they happen. Your readers will get a feel for your personality and will come to feel as though they know you.

        As you know, people want to do business with people they like. By using your blog as a relationship-building tool, you will be creating a steady market of loyal customers.

        Create a Newsletter

        Creating a newsletter list is an important activity. There are many autoresponder programs that you can choose from to help you with this. From your autoresponder program, you can create a form that you can place on your blog. When one of your readers chooses to subscribe, they will be automatically indexed into the autoresponder.

        Not only is this a great way to keep in touch with your readers, you can also use these messages to market new services and products to your subscribers. Since this is done through an autoresponder, you simply load the messages into it once. Each new subscriber will receive each message in the order you set; you don't have to worry about someone missing an important message.

        Create Information Products

        Creating information products to market online is a fundamental part of having a successful work at home internet marketing business. One of the main reasons people come to the internet is to receive information.

        If you can provide information that people are looking for in a clear and easy to receive manner, people will pay for it. The average person would much rather pay $30 or $100 to receive all the information at once, rather than spend an entire afternoon researching 25 different websites for the same information.

        Article Marketing

        Once you create your information product, you can post about it on your blog and send a message to your mailing list through your autoresponder. Another thing you can do to promote yourself is called "article marketing." This is when you write an article and submit it to article reprint directories. Owners of websites and blogs frequently visit article reprint directories in order to find articles to place on their websites.

        When you submit an article, you are allowing others to place it on their sites for free. In exchange, they will include your author biography. You can use this area to point people back to your own website, blog, or the sales page of your information product.

        One of the best things about an internet marketing business is that you can outsource many of the tasks to other work at home individuals. There are many talented writers, virtual assistants, and other professionals that would be more than happy to take on these tasks for you.

        Many of them have excellent internet marketing skills, as they have built their entire businesses online. You can find these people through services such as guru.com or Elance.com.

        This was just a small sampling of the tools available to you. As you can see, they all work together to help you build a successful internet marketing business and transition into a work at home career. As you do your research, you'll find many more tools that will help you along your way.

        Business Loans With Bad Credit: Not The Only Financing Options Worth Considering

        For every business owner, it is a major challenge to get approval on a business loan with bad credit. The economic climate makes life difficult for many small businesses, with lower consumer spending and growing pressure from lenders to maintain existing loan repayment schedules. But there are alternative options.

        Whether keeping your business afloat or starting a new business, there is finance available from lenders. But while approval is down to the strength of your application and, ultimately, the decision of the lenders, the type of financing sought is down to the applicant. The key choice is between a loan or a line of credit.

        Of course, when dealing with business loans or other financial packages, there is no such thing as a nominal amount of money. Getting things started or keeping an operation going requires real financial help, so sums of $100,000 and more are needed. But there are options to securing this kind of funds.

        Getting a Startup Loan

        Research is always important when approaching a lending institution with the intention of securing a business loan with bad credit. The principal concern is that, whether going to a major bank or a large private lending firm, the relationship will be long term. So, it is best to get all the facts necessary before deciding on a deal.

        The main issues that need to be agreed upon are interest rates, repayment schedules, and any additional options that can be activated in the future should the task of repaying the loan become more challenging than expected. It is also worth asking about taking a line of credit instead of a loan to see if their terms are better.

        When it comes to approving a business loan to finance a new business however, most lenders are very open to the idea. But they will still want to know the personal credit history of the applicant, as well as details of any previous business experience.

        Choosing a Line of Credit

        Getting a business loan with bad credit is not always the best option. Certainly, once a loan is approved the pressure to meet the agreed repayment schedule begins. It is not such a comfortable position to be in when starting out, or even developing revenue potential. It is, therefore, worth considering an alternative.

        Agreeing a business line of credit can work to your advantage better. This is where a bank agrees to a maximum sum but only interest is charged on the actual amount of funds spent by the borrower. If, for example, $100,000 is granted and the borrower spends just $60,000, then interest on that $60,000 is charged. The balance can be accessed whenever necessary.

        What this means is that interest payments can be kept lower than with a straightforward business loan. This is because no interest is charged on the remaining $40,000 until it is spent, while interest is charged on the full loan amount.

        Other Key Considerations

        There are some other aspects that should be considered before seeking a business loan with bad credit. Not least is the fact that, because of a low credit rating, the interest rate charged on the loan will be high. So, the size of the repayments each month can be quite high too.

        The alternative option allows for interest repayments to be kept under better control, if the borrower can control spending initially. Therefore, securing a line of credit is a much more cost-effective.

        For this reason alone, more and more businesses are favoring this option ahead of the all out business loan. However, it is essential that the specifics of both options are discussed in detail before agreeing between one of the other with your lender.

        Wordpress Tips For Effective Search Engine Optimization

        Friday, May 10, 2013
        Wordpress is an excellent content management system that you can utilize for your website. It is commonly used by entrepreneurs and internet marketers in hosting different websites. This is because it is convenient to use and can also be easily utilized for search engine optimization. There are thousands of Wordpress tips about search engine optimization available today in many forms. While some are free tips offered by expert internet marketers, there are also some that are to be paid, which are mostly available as eBooks. Even someone relatively new to this site can easily get the hang of everything, including SEO with these helpful tips and tutorials.

        For search engine optimization, it is extremely important to install all the necessary plugins. There are thousands of plugins available that you can activate and install for your website. Each offers their own functions such as protection from spam and viruses. There are also specific plugins that can help increase your visibility with the search engines. There are even several of these plugins that are especially generated to make search engine optimization easier. Most of these plugins would check whether you are practicing perfect SEO strategies since they provide checklists. However, most of these SEO plugins are not available for free, but it is highly recommended that you install them into your Wordpress site.

        An appropriate theme should also be chosen and on-page SEO must be practiced. Your keywords must be utilized in many areas of Wordpress such as in the URLs, in the title tags as well as in the headings and in the meta tags. The keywords should also be in the meta description. However, taking a part of the content to be used on the meta description is discouraged. Wordpress tips regarding on-page SEO also reminds web developers to include high-quality content with keywords at a recommended keyword density.

        Utilizing Wordpress and Search Engine Optimization also requires the keywords to be bold, italicized and underlined at least once in the content. It would also be ideal to add the keyword on the very first and last sentence of the articles. Alt texts containing the keywords should also be included in posting images relevant to the content. This is the only way for search engine spiders to identify the relationship and relevance of the image to the search phrase keyed in by the users.

        Including a video in the contents of your Wordpress site relevant to the keywords you’re targeting is also a great idea. Aside from all of these, it is also highly recommended to add basic pages such as the contact page and privacy policy page for the benefit of the site visitors. And then you’ll have to build links to your other pages and collect links to your site from external sources as well. There are many other Wordpress tips available for effective search engine optimization. They may vary according to different sources and it’s important to know which tips work best before utilizing everything into your website. You can learn more about the effectiveness of such tips through various feedbacks of users who tried it for themselves.

        The Art Of The Possible

        The presentation by the two attorney/consultants was only 45 minutes long. It just felt like four hours. They were on firm ground when they stayed in the tax and law side of the Patient Protection and Affordable Care Act (PPACA). Sure they got lost in the details and seemed compelled to flash every detail at their audience, but what they lacked in presentation skills was more than made up with the depth of their knowledge. That was as long as they didn’t venture into my area. They were lost when it came to the insurance part of the new law. Couple their confusion with their power-point skills and you have the perfect recipe for an agitated audience.

        The young business owner seated next to me opined that none of this might matter much if the next administration reverses the law. I laughed and reminded her of the Republican’s love for the PPACA. We both just shook our heads. She isn’t old enough to remember when Democrats and Republicans actually worked together in Washington. She would never believe that Otto von Bismarck once remarked that “Politics is the art of the possible”.

        There appears to be plenty of politics in Washington, but nothing seems possible.

        This blog has discussed the numerous shortcomings of the PPACA for over four years, a full year before the law was even passed. But pretending that last year’s Supreme Court decision or the November 2012 election didn’t happen is not productive. We can’t all be as unproductive as the Republicans of the House of Representatives:
        House Speaker John Boehner said Thursday that next week’s vote to repeal the health reform law is being held to provide new lawmakers a chance to vote on it.“We’ve got 70 new members who have not had an opportunity to vote on the president’s health care law,” Boehner said. ‘Frankly they’ve been asking for an opportunity to vote on it.”

        That doesn’t mean that nothing is getting done and that no one has reached across the aisle in an attempt to make the PPACA work. It simply means that you have to look a lot closer to home if you are hoping to find anything positive.

        The Ohio chapters of the National Association of Health Underwriters (NAHU) held their annual Day at the Statehouse last week. This is the trade group that represents health insurance agents. We were in Columbus to hear from some of the legislators that are the most involved in our area and from Lieutenant Governor Mary Taylor who also serves as the director of the Ohio Department of Insurance. Our afternoon was taken with appointments with various legislators. I was scheduled to meet with State Senator Scott Oelslager and the effervescent Minority Whip of the Senate, Nina Turner who represents me in Columbus.

        Some of the states that have both Republican governors and Republican led legislatures have chosen to fight the PPACA. Still! We in Ohio are fortunate to have realists in Columbus. And though these leaders have taken a lot of heat from members of their own party, they continue to work through the process even though they disagree with the PPACA. Our first speaker was Representative Barbara Sears the sponsor of the recently signed H.B. 3. As Majority Floor Leader of the Ohio House Representative Sears shepherded the rules that would establish the training and responsibilities of both agents and navigators in the new exchange system. This is legislation that had bi-partisan support. While some states are satisfied with turmoil and the possibility of the PPACA dying under its own weight, Ohio is taking some of the steps necessary to make it work.

        Lieutenant Governor Taylor’s presentation also gave me hope. Regardless of what she personally thinks about the PPACA, Ms. Taylor is committed to doing her job as director of the department of insurance. A big part of that job is reviewing every policy that will be allowed to participate in the Ohio exchange. That exchange is supposed to be available October 1st. As of last week ZERO policies have been presented for review and approval. No insurer wants to go first. She is already making plans for the onslaught she is anticipating in mid-June. If there is going to be a problem with the exchanges, it won’t be because of Mary Taylor.

        Regular readers of this blog know that I don’t spend a lot of time complementing our elected representatives as a whole and even less on Republicans. I certainly did not vote for Governor Kasich and disagree with most of his positions on major issues. But you have to admire any leader, Democrat or Republican, who puts his state’s needs first.

        My first appointment was with Senator Oelslager from Stark County. I was there to talk about other ways to help our clients get through the coming transition. None of my issues had anything to do with me, personally. We needed to talk to the legislators about S.B. 9 which cleans up the old, but soon to be unneeded, Ohio Open Enrollment Program. We also wanted to alert the legislators that Ohio still defines full-time as 25 hours per week while the PPACA uses 30. You get the idea. Cleaning up these and other seemingly small conflicts will save our clients big headaches in the future. So that was the purpose of my meeting with Senator Oelslager.

        We spent the first ten minutes talking about the Kennedys. Republican Oelslager was inspired to go into public service by John and Robert Kennedy the way countless young men were inspired to pick up a guitar after seeing the Beatles on the Ed Sullivan Show. I found him to be engaging and well-informed.

        My only disappointment of the day was that Senator Turner was called into a meeting. I instead met with her bright and energetic Legislative Aide, Adam Warren. Mr. Warren was an excellent substitute. I hope to have more conversations with him in the future.

        So what I have learned is that politics is still the art of the possible. We just have to limit our discussion to the actions of our state legislators. It’s a start.

        What to Expect From Merchant Account Providers As an Information Marketer

        Thursday, May 9, 2013

        The ability to accept payment via credit card is important if you're looking to build an information marketing business. You can certainly get started with only PayPal but long term you will limit your growth somewhat by not taking the major credit cards for payment.

        Visa and Mastercard are, of course, the two biggies in this game, but you should probably supplement them with American Express and, in most cases, Discover. If you were going to rank the four in order of importance to accept most would probably rank them this way:

        1. Visa
        2. Mastercard
        3. American Express
        4. Discover

        When you are initially setting up your merchant accounts there are three primary questions the merchant account provider will want. First, what types of good will you be selling. Second, what is the size (in dollars) of the average transaction you'll be processing with them? Third, what is the total dollar volume you anticipate running per month?

        They will monitor your activity levels and, if something out of the ordinary suddenly appears, it will cause the proverbial "red flag" to be waved. For example, if you do a new product launch where you suddenly run 10 - 20 - 50 times the dollar volume through your account than you normally do you better believe that'll get their attention. And they can shut your account down instantly.

        That's why it's so critical to communicate in advance with your merchant account provider and let them know when you're planning a special promotion, or if you're raising your average ticket price, or starting to sell a different type of product then you've sold previously.

        Merchant account providers are on constant alert to make sure their potential liability is minimized as much as possible. Most don't take chances period, and if you have a lot of transactions that are outside the parameters set up when you started your account you run the risk of losing your ability to accept credit cards. And, if you're an information marketers, that could be catastrophic to your business.

        What You Need To Know About Product Liability Insurance

        Wednesday, May 8, 2013

        These modern times, people are now very litigious of anything minor or major. That is why there is great rise of the several types of liability insurances in the market to help business owners. One of these insurances vital for a business proprietor is the product liability insurance.

        Product liability insurance protects the business and its owner from claims related to the sale and or manufacture of any type of products such as food, medicines, and other goods. This type of liability insurance, however, may not cover the financial losses of the owner or its business due to faulty products that they manufactured, produced and/or supplied to the public.

        If a business or company supplied a faulty product, the claimants may try to claim from them first, even if they did not manufacture the product. The enterprise involved will be liable for the compensation claims if any of the following occurred: the business' name is labeled on the product, the business repaired, restored, or changed the product, the business imported it outside the country, the manufacturer cannot be clearly identified, and the manufacturer closed the business.

        If not the business itself is liable, then most probably the manufacturers are. Even so, the business should show and prove any or all of the following: the products were faulty or damaged when supplied to them; consumers are given sufficient safety instructions and warnings regarding its misuse; consumers are given conditions for return of faulty or damaged goods to the manufacturer; the business has a supply contract with the manufacturer that covers safety, quality control, and returns of the products; and the business have good quality control systems and record-keeping systems.

        There are also cases wherein there is a so-called firing line for claims on product liability. The first in line is the producer or manufacturer of the product. Next in line is the person or business that placed their name or mark, declaring to be the product's producer. Third in line is the person or business who imported the product. It is followed by the person or the business who recondition the product. The last in line is the person or business who supplied the product.

        Just like any other professional liability insurance, product liability insurance is not obligatory in law. Yet, every manufacturer, supplier, and retailers should and must protect themselves from the perils of liability claims screwed to them if ever defective products injured any consumer. After all, it is their responsibility to provide the public with quality and safe products.

        The Purpose Of Getting A Company For Fund Administration.

        Monday, May 6, 2013
        In this day and age, one of the main challenges of starting a new business is getting the capital investment together. It is true that there are some large companies around today that started in a garage or a dorm room and you could probably name them easily. These exceptions to the rules is not the number of companies start off nevertheless. Most often, small businesses need start-up cash and it winds up being far more than they anticipated needing. If you have friends and family willing to make donations to the cause, then so much the better but sometimes that is just not possible and you have to bring in outside investors. With outside investors there will likely be a great deal of documentation and legal wrangling, if this is the only option available to you and your start up needs. In this case, you would probably be smart to hire a professional to create and maintain your investment fund and manage the tasks associated with fund administration.

        No matter what type of business you're interested in starting, most likely not a great deal of people will be professional financial wizards. You may be a great baker or a fantastic software designer and maybe you have even taken a business class or two to familiarize yourself with basic bookkeeping techniques. But that in no way prepares you for maintaining an investment fund of any volume. In order to be on top of any fund administration, things like income tax, notifying investors of their dividends, paying out dividends and so forth have to be handle effectively and properly. You open yourself up to potential lawsuits if errors happen in any one of these vital areas, where investors would complain and it could escalate into issues with the us government, is not something any business entrepreneur would wish to face. You might want to forego paying for a professional to help you when you are already struggling to get your business off the ground, but the cost of paying for professional fund administration will be small compared to the potential issues if you do it by yourself.

        There are businesses available to assist you and will establish these types of funds fortunately. The process is often a complicated one. So you are not struggling years down the line trying to correct errors, the funds should be set up properly and all the necessary paperwork filed properly. These companies will help you select how to categorize the fund within the regulations of the tax code, how to offer it, how to get investors, and so forth. Getting them right at the beginning of the process is probably recommended since that would mean they can help you with every step along the road of getting your investment fund set up.

        These firms will then also help you by administering the fund appropriately, making sure that it continues to grow and that all of the necessary reports and records are sent, kept, filed, copied, and archived. Any correspondence needs have to be maintained frequently with your investors and the legal requirements involved with these kinds of funding. With the frequent changes to the tax system and the financial sector, always keeping up with the rules and regulations, even if you have a full-time accountant, would be extremely difficult. Avoid headaches and save money by finding a professional fund administrator to keep you in compliance and allow you to focus more on the business at hand of running a profitable company.

        How to Double Your Business in 90 Days With This Simple Information Marketing System

        Sunday, May 5, 2013

        When you have a look at the different ends of the selling-buying process, you find many of your prospective customers don't like to be sold too, and many marketers like yourself often don't like to sell. Yet every business person knows they have to get clients somehow. Information marketing provides an easy way for you to get more clients without those irritating, slick, sales techniques. Often people think it is a matter of gritting their teeth and getting on with the dirty end of the job, when in reality it is a simple matter of giving people what they are looking for via your own information marketing products.

        Let me put it this way. How many people do you know who ask a potential mate to marry them, on the first date? Sounds crazy, doesn't it? So, why would someone buy from you right away without first getting to know, like and trust you? That's why you want to build a relationship with a potential client over time. I've found that information marketing is one of the best and easiest ways to do that.

        Information marketing is about giving value to your potential clients first, so they get to know, like and trust you. Information marketing also ensures that your prospect gets something of value without having to undergo a sales spiel. This alone will skyrocket your credibility in their eyes. If you are prepared to "let go" of the traditional approach to sales and marketing, you can simply have an ebook or special report or ecourse do the selling for you. Sell to people by giving them information.

        How I Made $9,000 in 5 Minutes Using Information Marketing

        A few months ago, I made $9000 in 5 minutes using just a 20-page Special Report. I gave a 5-minute talk at a networking event where I offered my Special Report in exchange for people's business cards. I ended up with cards from almost all 55 people in the room. After they got the Special Report, I offered a free phone consultation. Seven people took me up on the offer - and the result? Three people hired me.

        Think of a Funnel When Setting Up Your Information Marketing System

        Information marketing uses a four-stage process to move people from being a prospect, to a lead, to a client, to your champion. Think of the four stages as a funnel. Your goal as a marketer is to move a person down your funnel, because the further someone goes down the funnel the more money you make. You can use information products to move someone through each stage.

        Stage 1 - The Prospect

        In this phase, the person doesn't even know you. There's no relationship at all yet. Your job is somehow to get people to notice you. Some information products you can use in this phase of your information marketing are: ebooks, teleclasses, special reports, white papers, ecourses and articles.

        Stage 2 - The Lead

        This is the crucial phase I call the "Pivotal Point." On my website, I use a technique to capture visitors' names and emails by giving them a special report. Once people opt-in, they become a lead for me. I now have permission to do more information marketing with them.

        Stage 3 - The Client

        Once someone has given you permission to contact them, your job is then to convert them from a lead to a client. Once they have given you at least one dollar, they are a client. I offer an inexpensive one-on-one, 45-minute consultation with me where we strategize ideas for the client's business and marketing plans.

        Think how you can move people down the marketing funnel. How can you capture leads? What incentive can you then give them to move from one phase to another and become a client?

        Stage 4 - The Champion

        This is the best part! At this point you've given the client such great service and value that they buy from you over and over AND they refer you to others. They become your marketing machine. This is where the lifetime value of a client becomes so profitable.

        More Information Marketing Tips to Remember

        Okay, now you see the process of "dating" a potential client, here are some more points to remember:

        o Always provide great value first. People have to learn to know, like and trust you before they commit with their wallet.

        o Moving through the phases of information marketing can happen fast. This doesn't have to be a long, drawn-out process. You can move someone from being a prospect to a client in a day or two.

        o Always give clear guidance to the potential client on what to do next. Give them directions on how to move from being a prospect to a lead to a client to a cheerleader.

        Ask yourself, what information relating to your topic are you asked about the most? Put together a special report that addresses the most common questions and challenges people face. Then find ways to leverage that report to get more leads. Information marketing is the most powerful way of "selling without selling" that I know.

        Claims-Made Vs Occurrence - Types of Medical Professional Liability Insurance

        Friday, May 3, 2013

        In addition to homeowners insurance and auto insurance, medical professionals like physicians and surgeons often require medical professional liability insurance. Professional liability insurance, also referred to as medical malpractice insurance, protects them against loss resulting from acts, errors or omissions in their performance of professional duties.

        When purchasing medical professional liability insurance, physicians have two options-claims-made policies or occurrence insurance. Deciding between claims-made and occurrence may not always be easy, so it's crucial to consider the important points that pertain to each type of coverage to determine which will best suit your specific needs.

        Claims-Made Policies

        - Increased limit of liability - Physicians have the opportunity to increase their limit of liability, which determines how much their insurance company will pay to settle a negligence claim, and how many claims it would settle in one policy period. Considering that many doctors feel more comfortable with higher limits, an increased limit of liability can determine whether a claims-made policy is right for you.

        - Discounted premium - Claims-made policies offer an initial cost savings for the first four years. This is because insurance companies understand that the chance of a claim being filed during the first few years is slight, but increases over time. The premium will gradually increase each year until the coverage becomes mature at five years and the odds of a claim being reported is much greater.

        - Tail coverage - Since claims-made policies provide coverage only if the claim is first reported or filed during the policy period, physicians may need to purchase tail coverage to protect against claims made after the policy period ends. Medical professional liability claims often take a long time to develop, so a physician may not receive notice of the claim until years after the incident in question occurred. For instance, if a physician retires, allowing his/her insurance policy to end, and a claim comes in six months later, he/she will require tail coverage to protect against the claim.

        - Possibility of free tail coverage - There is a chance that the physician will not have to finance the cost of tail coverage, since many medical professional liability insurance companies provide a free tail to a physician that has been insured with the same company for a specified period of time and has complied with the insurer's provisions. Many insurance companies also offer free tail coverage to retiring physicians aged 55 or older who have been insured with them on a claims-made basis for the five years proceeding retirement.

        Occurrence Insurance

        - Coverage is permanent - Occurrence insurance protects against claims resulting from incidents that occur during the policy period, regardless of whether the policy is still in effect at the time the claim is made.

        - Avoid purchasing tail coverage- Since occurrence coverage is permanent, physicians can avoid the cost of tail coverage. Financing tail coverage can be quite expensive, costing up to 200% of the premium depending on the insurance company, so avoiding the cost of a tail may determine whether occurrence insurance is right for you.

        - The insurance company's financial stability must be secure - Considering that occurrence insurance is permanent, it's necessary to have complete confidence in your insurance company's finances. Medical professional liability insurance claims can take years to develop after an incident occurs, it's important to feel secure that your insurance company will still be in the position to protect you years after purchasing occurrence insurance.

        - Limit of liability remains unchanged - Unlike claims-made policies, the limit of liability at the time of purchase is the limit you will have when a claim is made, which is typically 3 to 5 years after the incident occurs.

        There are many important points to consider when deciding between claims-made policies and occurrence coverage. Contacting a trusted professional liability insurance agent is the best place to start.

        Professional Liability Insurance

        Thursday, May 2, 2013

        When professionals are hired, they are done so with the belief that they have the necessary expertise and knowledge to carry out the task to the best of their abilities. Added to that, there is a certain code of conduct they are expected to abide by while doing their jobs. When professionals fail to meet the standards desired of them and their skill levels fall much below expectations, they are liable to be taken to court for the loss they inflict upon the business of another person. Thus, they need professional liability insurance. Professional liability insurance is termed "errors and omissions" liability, when liability is confined to acts of negligence.

        Professional liability insurance is an independent and specialty coverage. It is not provided under business owner's policies or homeowner's endorsements. Professional liability coverage covers its client against damages from claims of suspected negligent acts, errors or omissions in performance of the client's professional performance, etc. This could include a plethora of issues like software or system failure, loss of client data, non-performance, etc. Professional liability insurance coverage also includes the legal defense cost. The costs it covers, including court costs, are restricted to the coverage limits in the client's insurance policy.

        There are different types of personal liability insurance coverage. Personal injury covers the client against claims of slander, libel and invasion of privacy. Intellectual property infringement coverage covers the client against claims of copyright infringement. Software processes and systems are commonly termed "intellectual properties." Also, worldwide coverage is provided if the suit is bought in America.

        Top Best Insurance Companies in Europe Based on Total Assets

        The following are  Top 10 Best insurance companies in Europe based on total assets. AXA, a French-based company, is the largest
        insurance company in Europe with total assets of €731.065 billion
        (US$945.6 billion), for more information read below!


        AXA S.A. is a French global investment, retirement, and insurance
        group headquartered in the 8th arrondissement of Paris. AXA is a