How to Get Low Cost Life Insurance
There is no insurance industry greater than the US insurance agencies in recent times. Their prompt service, customer satisfaction, varied policies and excellent service have rendered them as one of the best insurance service providers not only in the United States but also across the globe. One of the most common types of insurance that is most in demand across the US is the life insurance policy. Almost every US resident wants to get his or her life insured as the life insurance policy protects and secures the life of an individuals family even after his death monetarily, through the payment of premiums, this is one of the best gifts one can give his or her family for life. However not everyone can afford high value life insurance policies. For these people a number of low price life insurance policies have been developed in the US. The life insurance quotes for these low cost life insurance policies meant for the common man are readily available with the US insurance agencies for free with their agents or on their respective websites.Low cost insurance policies are affordable by all Americans. Not everyone however may have the knowledge of these policies. Not everyone may know how to avail these quotes from the insurance agencies. However there is a solution for the same. With the advancement of the internet there are many US insurance websites which compile the insurance quotes from various agencies and provide the same to the customers on the look out to purchase insurance policies. These websites gather quotes from high rated insurance agencies in US and offers a comparison of the various costs quotes available from American insurance agencies.According to the low cost quotes, an insurance agency could give out policies at a lower rate when the policy applicant is under a serious illness, health situation age and financial situations are some of the factors that are taken into consideration by a low cost policy while granting the same. The easiest way to get hold of these insurance quotes is to find them online. One must compare the various insurance quotes available before taking a decision on the same. The insurance companies providing these insurance quotes online would taken in the details from the policy purchasers in easy to fill in quote request forms before providing them the insurance quotes for free according to their requirements. Low cost US insurance policies would definitely have lower insurance rates which would be mentioned in their respective quotes. Before one proceeds to purchase a low cost policy one must understand the actual volume of insurance required. Once one decides upon the insurance policy to take up all one has to do is fill in the insurance quote request form and wait for the insurance company to revert back. Low life insurance policies are the best to opt for especially of you have certain health and financial issue for which you are unable to invest in a high premium insurance investment. Apart from acquiring the low insurance quotes from websites that provide these services of compiling these quotes from various websites so that you can compare all of them prior to taking your decision, you can also request for low insurance quotes directly from the US insurance agencies or their agents once you have explained your situation to them.
Applying For a Business Loan – Cash Flow, Collateral, Credit Score
It is quite a process when you apply for a business loan at the bank or credit union. A lot of business owners think that financial institutions are asking for the world when they try to apply for a loan. Some people still remember their mortgage application process few years ago when “no income” and “no documents” loans were the norm. Those usually feel frustrated when they are applying for a business loan today. I’ll give you a few tips of advice about what you should know and look for when applying for a business loan.First of all you have to put yourself in a financial institution’s position for a minute. Bank or credit union is in the business of lending not investing, which means none of the financial institutions will be excited about your start up or business that’s been around for less than three years. You do need track record of stability and historical cash flow to prove that business does have and will have the ability to repay the loan. This leads us to the most important factor in this process – cash flow.Cash flow and debt service coverage. Positive cash flow, profit, surplus whatever you call it is the most significant aspect of your loan approval process. If your business is able to demonstrate last three years of profit on paper 50% of the approval is done. Pay attention that I said it has to be on paper – federal tax returns, accountant or CPA reviewed or in some cases audited financial statements are what counts. Don’t try to give a story, “oh, my business is making money but I don’t show it on paper” or “I don’t have my federal tax returns and I am definitely not getting reviewed or audited financials”. Those two statements will get you a quick decline. To measure positive cash flow and repayment ability financial institutions use a ratio called debt service coverage (DSC). Business needs to show at least two to three years of 1.25x DSC. DSC is calculated as followed annual net operating income (NOI) plus depreciation, amortization and interest divided by total business annual debt service. For example if business NOI wit add backs is $375,000 and the total amount to make payments on business debts is $265,000 the DSC will be 1.42X which is good. There are also plenty of other ratios and test methods but DSC tends to be the key when it comes to small business lending.Collateral can be as important as cash flow and DSC. In most cases even if you show the last three years of DSC greater than 1.25X but you lack collateral the loan can get declined. Usually when bank says collateral they mean real estate or industrial equipment and machinery. Business good will, account receivables, contract assignment, inventory or office equipment is not the most desirable collateral. Strong cash flow always has to be followed by strong collateral. On occasion you might find some lenders that will grant you a loan with the lack of cash flow but strong collateral and low LTV. The business might be showing one or two years of losses but if LTV is at 40% or less some lenders might approve the loan for a business that’s been in existence for a while. Typical LTVs are up to 80% on owner occupied real estate and up to 75% on investment real estate. Vacant land for which loans are scarce these days can be financed for up to 50% LTV. On brand new industrial machinery and equipment you can expect up to 80% LTV, on used up to 60%.Personal guaranty. Requirement of owners’ personal guarantees is expected for most of the privately owned companies. If your business is generating $50 million or less in annual revenue most of the time business owners (anyone owning 20% or more of the business) will have to pledge personal unlimited and unconditional guaranties. For a public company or business generating close to $100 million in revenue personal guarantees can be limited or completely waved. Once in awhile an owner of newly established company makes the statement, “I am not providing my personal guaranty, that’s why I’ve created corporation or LLC” Those get quick answer “No”. There is just no way around it if you want the loan.Business credit history is one of the urban myths. Usually newer businesses are very concerned about their business credit history. Let me tell you that this is probably one of the last things bank is concerned about when you apply for a business loan. Your personal credit history is even more important than business credit history. And believe in business lending “no income verification and no document” loans do not exist so don’t sweat about your business credit score.As part of the due diligence lender will check for pending litigations, outstanding judgments, collections or tax liens. None of that better show up because even if you have strong cash flow and solid collateral the loan will get declined. In case you are not applying or applied and got denied with your current bank don’t bad mouth them and have a good explanation of why you are not applying with them or why you got declined.To summarize it all as long as you have strong cash flow and collateral you should be OK. If you are not getting what you need with your bank try others. There are tens of thousands of banks and credit unions in United States and you can find the list of your local financial institutions by visiting FDIC or NCUA websites. Try not to use brokers unless you have no time to shop around because all brokers do is the same as you would do – just call around from one bank to another. Some financial institutions are even shying away from broker solicited loan requests because they don’t have a chance to learn more about the borrower themselves. In these challenging economy times a lot of businesses tend to have more success when applying for loans at their local community banks or credit unions.
SBA Small Business Loans – Know How They Work
SBA small business loans are offered to start-up businesses by the Small Business Administration or the SBA, in order to provide them financial assistance. The SBA is a United States government agency offering loans to small business owners who do not have the eligibility to avail loans from conventional lending sources. These loans are designed with the sole aim of supporting the establishment and growth of small enterprises to boost the financial condition of the nation. However, it is important to understand how the SBA works in order to benefit from the various loan programs offered by them.
The Small Business Administration does not provide loans directly to the borrowers. Instead, they work in partnership with various private-sector lenders, community development organizations and micro-lending institutions to provide these loans. In the lending process, they serve the purpose of setting the terms and conditions and regulating the loans.
Small businesses are more in need of loans than the established ones. The simple reason for this being the fact that they are starting a new journey and lack adequate money to make investments. Hence, it would be extremely difficult for them to secure loans at high interest rates. The SBA, unlike banks and other conventional lending sources provides loans to business owners at lower interest rates, making it easier for them to repay the loans.
Unlike the banks, the SBA does not check your credit records before providing the loans. This means, you can avail these loans even with poor credit records that include bankruptcy, arrears, insolvency, IVA and more.
In order to secure SBA loans, you would need to present important documents to both the SBA and the bank providing the loan. Apart from the necessary documents, you would also need to present at the bank all the SBA requirements such as the SBA loan application, a personal financial statement, a good business plan, 3 years of business financial statements, 3 years of federal business tax returns, information about all owners and detailed information on how the business would benefit from the loan. These are only a few of the documents that might be required by the bank and the SBA. You might need to present other paperwork as well.
You can conveniently obtain these loans even if you do not possess properties that can be kept as collateral. SBA provides you assistance in this case by acting as your guarantor. The SBA guarantee also provides the banks the assurance that the loan would be repaid on time.
Obtaining SBA small business loans is a quick process. They are almost like ready-made cash that can be secured as soon as you apply for them.
These loans are categorized into various types such as the SBA 7(a), SBA 504 and SBA Express and Patriot loans in order to meet the requirements of different businesses. However, it must be kept in mind that all the banks do not offer the same SBA loan programs. The programs might differ and so the loan requirements based on the individual terms and policies of the banks.
Thus, the SBA small business loans can help anyone having a lucrative business idea and the courage to start their own business.
Credit Worries No Hurdles In Bad Credit Women Business Loans
Women are now integral part of the business world. Therefore a loan has become a must for any business women if she wishes to advance her business interests. But in the process of doing business, women are bound to come under financial constraints and payment defaults may happen as a regular feature. So no one should ignore financial help to business women if she has a bad credit, as a loan only can improve her financial health and in turn can enable her in paying debts. Bad credit women business loans are crafted especially for business women having bad credit. A business woman can make improvements in her credit score as she pays off the loan installments of bad credit women business loans. With the help of the loan amount she can buy a business or pay off various bills related to raw material or equipment purchase or she can clear debts.Bad credit happens to business women when she regularly defaults on payments. So her credit score on FICO range of 300 to 850 falls below 600 indicating that she may be a risk for the lender in offering a loan. But bad credit of a business woman can be countered effectively. The best way to do so is that the business woman takes a secured bad credit women business loans. for providing the secured loan amount the lender will take any of the business woman’s property like home as collateral. This way she can borrow greater amount at lower interest rate. another advantage is that the business woman going through a bad phase can easily pay back the loan as secured bad credit women business loans are provide for a larger repayment duration of 5 to 30 years. This means her monthly monetary outgo towards installments gets reduce and she saves money for other business purposes.If smaller amount is what a business woman needs than unsecured bad credit women business loans is the right option. For her there are no risks as none of her property is involved in the loan as collateral. But lender would like to have a good look into the repaying capacity through income and past records of bank statements. The unsecured loan however comes at slightly higher interest rate. The loan amount is kept smaller and repaying duration also is shorter.But before availing the loan the business women should know that there are special concessions being given by lenders for them. Business women should look around for these concessions so that their businesses can benefit more from them.Also ensure that you have made an extensive comparison of different bad credit women business loans on offer from as many lenders. The lenders can be located on internet. See which lender has suitable offer for your type of business. Apply online to the lender for fast processing and approval of the loan amount.Surely business women get maximum benefits on availing bad credit women business loans. The installments of the loan should regularly be cleared for escaping debts. Remember that with each clearing of the installments your credit score improves and that makes the loan availing a lot easier in future.
Online Travel Agent Jobs – Tips For Success
As an online travel agent, you will be taking travel bookings for clients from across the world through bigger travel companies. You will be responsible to explain these travel-seekers everything about their travel arrangements and to get their requirements met from the booking companies. Some home travel agents also work by collaborating with different providers for accommodation, transport, tours, etc. and create a whole customized package for their clients.
Thus, a travel agent’s job is to plan out a package in such a way that the traveler doesn’t have to face any difficulty during the journey. The work of the travel agent is to make sure any miscommunication doesn’t occur and that the trip turns out to be a pleasurable experience for the people who book through them.
Right now, these travel agent jobs are turning out to be quite popular over the Internet. Their online status ensures that people can work from their homes. So, you can actually try your hand out at this, making good money on the way.
You don’t need any special educational qualification if you are thinking about becoming an online travel agent. Just a high school diploma is sufficient in most cases. However, if you are applying for work through a large travel booking office, you need to be prepared to show some better skills. Language skills do help and so does computer knowledge. You must also have great skills for surfing the Internet and finding information. It is great to have these skills on the resume.
One more thing that you will need is good communication skills. Being a travel agent is more about advising people on what traveling options they have and less about actually booking for these options. You have to tell them how they can make ‘package’ vacations for themselves before actually going ahead and doing the bookings. In order to make people understand all these things, and to convince them for particular destinations, accommodations, food packages, etc., you need to be good at communication skills.
It is also a great thing if you are good with geography. You don’t need to know the whole world’s geography, but if you are dealing in travel for a particular part of the world, you should at least know well about the geography of that place.
So, how do you get one of these travel agent jobs? The direct way is to visit a local travel agency and see if they hire travel agents that can work online. These people will be affiliated for that travel agency and will be working exclusively for that. Or, you could also do a regular search on the Internet and see what options you have for being a travel agent. You will have to choose from among the options you have and decide upon the one that suits you best.
This is a great career, or even a supplementary job, whichever way you look at it. You make money doing something you will really love. However, as in any other job, you will need to learn the ropes first.
Why Use Online Travel Safety Training?
Whether you’re a student preparing for a semester abroad – or you’re a parent with a child who is about to do so – or you’re a businessman readying for an extensive trip overseas, it’s crucial that you stay safe during your travels. The good news is that with the right expert travel security awareness tips, any individual can make huge strides towards staying safe, and learning the ins and outs of smart global traveling.
There are many ways to get started, and the best tips for safe travel could be found in books or guides, articles, and even in-person seminars and tutorials. However, one of the best options is to enroll in an e-learning travel safety course.
Online travel safety training courses provide incredibly quick, intuitive and user-friendly instructional material for any person interested in staying safer during travel. For businesses and organizations, this also ensures you meet duty of care responsibilities. While for universities and other schools, it’s the simplest and most cost-effective way to provide training to dozens or even hundreds of study abroad students.
Studying online offers a convenient solution. Students can participate from any location across the globe, and do so on their own schedules. Many courses can completed in just an hour, thanks to interactive video and animation based learning modules. This makes it easy to understand and retain the right travel security awareness tips, instead of being bogged down by an overload of text and information.
Courses are loaded with essential tips, provided from real experts, and information which is readily transferrable to real life situations. Even small, intelligent adjustments to how you’re interacting with your environment can make all of the difference for your safety.
With an e-Learning travel safety course, students are also always receiving the latest and most up to date information. This is as opposed to printed books which may be out of date with the best practices of travel security for today’s evolving environment.
Plus, studying with online travel safety training courses provides an affordable solution. There’s no need to spend thousands of dollars, when the best tips for safe travel can be taught to any interested party for a tiny fraction of such a price.
Whether you’re going to Europe, South America, Central America, Africa or Asia, anywhere across the globe, stay safer with a reputable e-learning travel safety course. Convenient and affordable, up to date and interactive, and with the need to know tips which can make a real impact, online travel safety training courses are the way to go when you’re ready to be on the move.
Explorer Travel Security offers two online travel safety training courses [http://www.explorertravelsecurity.com/e-learning/], including one for businesses and one for students. Their new e-learning courses for safe travel are currently being offered with a limited-time 25% off discount using promo code EXPLORE25.
Help in Finding Online Travel Insurance
With many Australians becoming more dependent on the internet, it’s not surprising why many companies offer web-based travel insurance. Australia has many advertisements for this insurance category and many companies offering this often have thorough ad campaigns. As a result, many people are now lining up and becoming more eager to hit the “buy” button. The following are some pointers consumers should keep in mind before clicking on their mouse and buying insurance on the net.
Know the going rates
Like all other endeavours that will cost money, it’s important to know the rates also for online travel indemnity. Australia clients should be aware that some companies offer lower charges than others do due to several factors such as the company’s need to attract more clients, the premiums behind the policy, and the company’s reputation in the insurance trade.
For example, a startup web-based travel insurance company can set its policy price for flight insurance lower because they want to attract more buyers. This could mean the company is doing some long term planning and they’re looking out for their company’s future when offering travel indemnity. Australia consumers who are wary of such offers should remember that they have buying discretion and walk away if they don’t like dealing with such establishments.
Find out more about the company
Many people like to believe that an attractive and informative website is all it takes when they need to assess an online travel insurance company. The reality, however, is farther from this notion as a well designed website is not a key indicator of a company’s reputation in travel indemnity. Australia clients who wish to be safe rather than sorry should always check the online travel insurance company’s background first.
Clients should begin asking questions about the company’s business registration, the firm’s reputation, customer ratings about the business, and its possible trade affiliations too. The mentioned factors are usual indicators whether the online travel indemnity company is reputable or not. For instance, if the company has affiliations with a trade association like the chamber of commerce, then it could mean that they have a reliable business. Many trade associations screen their members and this is important when you find a company for your needs.
Decide on what type of insurance fits your needs
Consumers who want the mentioned travel insurance should analyze elements such as how often they travel, how many companions they take with them, and what activities they do on their destinations. They should also include factors such as their possible luggage, the political climate of their destination, and their own physical condition. These components will help a client distinguish travel insurance needs from their wants come decision time.
The said pointers are basic guides when a consumer wants to get online travel indemnity. People who have more questions should try reading more resources or consulting friends who have experience in this regard. Doing the added pointers can help consumers get the insurance they need and avoid financial risks.
The Benefits Of Online Travel Booking
The age of the internet has provided a wide range of conveniences and nowadays, people make travel plans without leaving the comfort of their homes. As long as you posses an internet connection, you are able to plan your holiday without leaving your home. In this rapidly advancing world, making online travel booking has become particularly common. It is not only making travel reservations that you can do through the online systems, but also making vacation package deals.
Traveling from one place to another is now trouble free and you ought not to wait till you arrive at your destination to book your hotel. Travelers do not also have to rely on the telephones, which might not be reliable. The internet is more trustworthy since there is little chance of mixing up your reservation or forgetting to fill in reservations log, as compared to dealing with individuals. You are going to get information immediately when you make your booking online.
Benefits of online travel booking
Firstly, the internet has numerous websites that claim to offer best online travel deals. Therefore, this has significantly enhanced competition among different companies offering this service, and the best part of this is that the traveler benefits from this. They are coming with better services to stay in business by providing excellent online travel deals to clients. The majority of websites have agreements with the main airlines that offer them discount and other bargains. The websites will pass a portion of the discounts to the clients, and as a result, the client gets cheaper flights when compared to travel agents who also charge their commission on the tickets.
You will normally have the opportunity of comparing the costs of travel portals and numerous websites. You may also try different packages introduced by them. These include car rentals, hotel stay among others. There are some travel review websites reviewing many hotels and airlines. You may peruse these reviews prior to booking your ticket. Another main benefit of online travel booking is that you are able to book them anywhere at any time. You may check the flight’s status from your home.
You do not have to remit any fees or commission to anyone. Majority of airlines have their websites today that will show you its flight’s status and available seats. The sites have also begun voice support service, and you can now contact customer care service when you have any reservation related to your bookings. Another advantage of online travel booking is that it is extremely convenient and safe than ever before. People have reported a decrease in the number of credit card frauds and scams. Credit card payment today has become one of the most secure alternatives to pay online. Therefore, you are certain of trouble free travel ahead.
It is, however, advised that when making your reservations online, you must always make sure that you are dealing with a reputable site. In a majority of cases, you will be needed to pay through your credit card. In order to avoid your money and information falling into unscrupulous hands, you should only deal with the hotel’s official website. You should be cautious not to pay any money to sites that claim to be working on behalf of the hotel.
Paton Marketing: Quality Solutions for Effective Internet Marketing
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Our online marketing strategy constantly thrives to get desired results for the clients. Our SEO campaigns cover all critical and diverse factors ranging from on-page, back link, content to website design. All SEO aspects are covered with the simplified three phase approach of Plan, Optimize and Track to strategize, execute and report SEO campaigns.
Miami Marketing Agency uses expert knowledge in a range of marketing services to help bring our clients’ websites to unprecedented levels of success. Through effective online marketing strategies and our expert SEO services, we can help turn your website in to your business’ most powerful lead generator. Google, like many other search engine ranks pages based on certain criteria. To start with, the quality of your site matters a lot.
We also specialize in Web Development and Web Design. Paton Marketing provides our clients with a strategically-developed premium custom website. A great website will go a long way in getting your business noticed online. It also delivers a high-quality user experience. We keep your website up to date regularly.
Internet marketing is much more than site creation. It requires precise marketing techniques and tools across the board. Without our professional assistance, your website will simply fail to generate essential web traffic. Web marketing also entails weekly progress reports. This includes web traffic, along with the number of hits your site secures on a weekly basis.
Miami Marketing Agency also specializes in Reputation Management. Reputation Management is one of most important factor in web marketing. Negative content can terribly affect your business. Paton Marketing Reputation Management strategies can protect your online reputation by suppressing negative content on the search results. We create positive and multiple micro-sites ensuring that the negative links are pushed further out of search results.
If you are struggling with web traffic issues, our dedicated marketing team can help you within time and budget. Simply contact us today.