We’ll start with the all-time dilemma; the question of whether you should purchase a Term Life Insurance or another type of Life Insurance that accumulates cash value. One way or another, everybody is aware of the main reason why this question constantly surfaces; monthly premiums! Term Insurance happens to be the least expensive, and most of the time people tend to purchase it just because of this reason.Additionally, people get different answers from different insurance professionals; some advocate Buy-Term and Invest-The-Difference and some recommend Whole Life, Universal Life, Variable Life, or maybe combination of the two or more of them. In the end, choosing an insurance policy becomes a dilemma between the premiums and the suggestions that you hear from various insurance professionals.So what is the answer to this question and how do you select the right insurance policy for yourself?In reality, there is no cookie-cutter answer for purchasing either Term, Whole Life, or any other one for that matter. Everybody has different needs and one size hardly fits all. So in order to accommodate different situations and needs, Life Insurance has evolved into many different types. As a result, the right choice depends on your answers to the following questions:o What is the very purpose of your life insurance?
o Why are you really buying it?You should keep in mind that Life Insurance is indeed one of the most versatile products that you can purchase in the market. It can be used for many purposes such as;o Retirement Supplement
o Pay off debt
o Estate Planning
o Pay off taxes
o Supplement for a college education
o Income replacement for your spouse
o And the list continues depending on your personal needsOnce you determine the purpose of your needs, you now have to identify the type of life insurance you should be purchasing. This actually creates another dilemma; now you need to have the proper knowledge of every type of policy so you can decide which one or maybe the combination of the ones to purchase. On this note, let’s touch base with the main types of Life Insurance Policies in the market:o Term Life
o Whole Life
o Universal Life
o Variable LifeIt should be pointed out that these are only the main types of life insurance policies where there are also many others as well as the variations of these policies available in the market. Nevertheless, in order to decide which one of these policies is more suitable for your personal needs requires broad knowledge and here are just a few important topics that you need to be aware of; how these policies develop cash value, how dividends get distributed, the time period you have to pay into your policy, how premiums are calculated, any premium changes after a certain time period, is it participating or non-participating, etc.Of course as a third step, you also have to calculate the amount of life insurance you need as well. This indeed is separate topic and the methods of calculations can be put in a nut shell as follows:o Multiples of Income Approach
o Financial Needs Analysis Method
o Capital Needs Analysis Approach
o Some other methods that various insurance companies developed themselvesIn summary, following is the list of the key steps of purchasing the right life insurance for your personal needs;o Deciding why you are buying the policy. In other words, what’s the purpose of your life policy?
o Knowing the type of policy that suits the best for your personal situation. Is it Term, Whole Life, Variable Life, Universal Life, or combination of any of these policies?
o Calculating the amount of your policy based on your purposeOne way or another, getting a life insurance is not just buying the least expensive policy, it is indeed a series of decisions and calculations that requires considerable amount of knowledge. The process can be quite tedious, depending on your situation, and it is best to consult an insurance professional to have it done right.
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Obtaining Small Business Loans
Obtaining small business loans is tricky unless you are well prepared. Whether you are applying for a loan from your local bank, credit union, or some other source, you need to do your homework first to ensure that your loan application is successful. Most banks and other creditors consider small business loans risky especially in the initial years of the business. So, you have to work doubly hard to convince them that your business idea will succeed, you have a good business plan, that you are willing to invest your time and money in the venture, and that the venture will have sufficient cash flow to service the loan.When looking at small business financing, most bankers check if the entrepreneur has also invested in the venture. They expect you to bring in between 25 and 50 per cent of the money needed for the start-up. The banker sees no reason to risk their money unless you are willing to risk some of your cash by way of capital.Another reason why many start ups are denied small business credit is the lack of a convincing business plan. Before you go to meet potential lenders, you need to firm up your business plan. You need to show the lender exactly what their money will be used for and how you plan to repay the loan.If you are a merchant, you can apply for a merchant cash advance, where the money borrowed can be used at your discretion. However, you do need to show regular sales and the potential to increase sales after the borrowings.When in need of small business loans try approaching the Small Business Administration for help first. If they are willing to underwrite your loan amount, banks and other small business lending institutions will be more willing to lend to you. This is because their risk is lower. You can even try negotiating for a lower rate of interest.When you need business credit line for operating expenses or to expand your business by purchasing more stock, it helps if you can offer the lender some collateral. If your business has tangible assets such as real estate or machinery, now is the time to use them to get credit at a lower rate of interest.When applying for small business loans it is important to keep in mind that the primary concern of the lender is your ability to repay the loan. If you are able to convince potential lenders on this point by presenting a sound business plan and a repayment schedule you are more likely to obtain the loan. Yet another thing that bankers and lenders check is the personal credit rating of the borrowing entrepreneur. If you have not done so yet, get your credit rating reports and ensure that they reflect positively on your willingness to repay loans. By taking these very essential steps, it will be easy for any entrepreneur to obtain loans for their business needs.
Business Loans of the Third Millennium
Business loans are currently being used to accomplish a wide variety of industry-related operations. At the present time, reduced commercial loan rates via the Small Business Administration are providing a number of incentives for start-up companies and established business owners alike; SBA loan rates are now low enough for proprietors to consider remodeling and/or upgrading their establishments in order to comply with twenty-first century demands.Brand new construction sites are also popping up in small towns and larger metropolitan areas as well, which is a promising sign of economic growth and stability in the foreseeable future. These types of small business loans are in part responsible for bolstering the market’s bullish attitude towards how things are likely to play out in the potentially profitable foreground.Newcomers and seasoned veterans alike are finding new ways to capitalize on different types of financing. Entrepreneurs are investing in web development to attract new customers with innovative marketing design strategies; a number of commercial lending affiliates are in tune with the online shopping craze and how the future of marketing depends on the convenience factor for online consumers, both foreign and domestic.Business loans are helping those whose online presence may need an extra push to expand operations through commercial funding. A growing number of loan company executives are more than willing to scan résumés and commercial lending applications to see which ones stand above the rest. For those who are determined to fill up the shopping carts of new and existing online lending options, getting locked in with reduced SBA loan rates does involve taking a few additional steps.SBA loan requirements are designed to ensure that the terms within each business loans contract will be adhered to; much like many other private loan company specifications, prospective borrowers will need to provide pieces of financial documentation, including a respectable credit score, business and financial records over the last three years, and tax return numbers covering the same period. A solid business plan with relevant information should also include projections in terms of estimated expenses, expected income and a realistic timetable for turnaround.The above specifics apply to those who have very few or no blemishes at all in their recent histories. With business loans concerning cases of bad credit, as well as other pecuniary aspects containing too many flaws, SBA loan requirements are likely to change. Not only will the SBA loan rates be higher, securing the loan will often have to come in the form of collateral. SBA commercial lending associates need to cover these bases in cases of default, yet at the same time they’re giving applicants an opportunity to restore their good standing in the world of commerce. Over time, many SBA approved financing recipients have been able to capitalize on their business loans while repairing their credit, even enough to refinance and restructure their original contracts.Whether investing in increased inventory, expanding operations by increasing your real estate foot-print, increased profits will likely necessitate expansion during the refinancing phase of operations. The need for storage space may simply require a few hundred additional square feet, or even building a new location.With reduced SBA loan rates, proprietors can finally realize the many possibilities, accomplish their goals and have the luxury of controlling their own destinies. As it stands right now, commercial loan rates are actually affordable enough to seriously consider looking into the entire spectrum of SBA loan requirements, such as down payments and closing costs, if any. Business loans carried out with concrete approaches are usually the most successful.
Secured Business Loans – Build a Business at Low Cost Finance
For starting a new business or expanding the established one, huge money is the first requirement and concern of a business person. Another concern is to get a loan at cheaper rate so that cost of the business gets reduced. Both the primary but essential requirements are well met through secured business loans. Secured business loans are cheaper source of finance for business people. The loan comes in the hands of business persons in time and without many enquiries and even bad credit business people avail the loan in an easy manner.As is clear from the term, secured business loans are provided on any of the borrower’s property being taken by the lender as collateral. Usually a property like home or any business concern that has substantial equity in it, is taken as collateral. Having secured the loan, the lender can offer many advantages to the applicant. Secured business loans have this benefit of lower interest rate for the business people. A lower interest rate goes a long way in making the business more profitable. The burden of the loan also is not felt much. Usually businesses require huge amounts. Secured business loans come with greater borrowings. But the amount to be borrowed depends a lot on some factors.A lender while deciding on the loaned amount will first see the amount of equity in collateral. Surely he would not like to risk more amount than the equity in the property of the borrower. Lender also would like to see the income generating capacity of the business. So for greater amount, better show the lender that the business has the potential of making money. Do not forget that every lender’s prime concern is to ensure safe return of the loan.Repayment duration of secured business loans can be negotiated with the lenders and one can take larger repayment duration as per his financial capacity. The loan can be paid back in up to 30 years. Such larger repayment duration is of great help as business people can spread the loan in larger number of installments thereby reducing the monthly monetary outgo. Thus lot of money can be saved for other business usages.Are you labeled bad credit? Secured business loans are provided to bad credit borrower without many enquiries. This is because in case of a payment default, lender still is able to recover the loan on selling bad credit borrower’s property placed with the lender as collateral. So the loan has no major risks for the lenders.Compare different secured business loans providers for their individual interest rates and terms-conditions. After selecting a suitable lender, apply online to him. Online lenders of secured business loans process the loan application faster so that the loan amount is in the business person’s account in time.Surely secured business loans are cheaper source of finance that is crucial to the business people. Make the best use of the loan and pay off the installments regularly so that lenders faith in you builds up and further loan availing becomes easier.
Online Travel Magazine – Incredible Source For Travelers
A superior travel magazine will motivate you to travel across the world, with guidelines on domestic as well as foreign destinations, with some suggestion that where you will find the delicious food, best cultural events and enjoyable outdoor activities on various offer. You will find various magazines for travel purpose. These magazines include tourists attraction of various destinations, air-fare, sight scenes, accommodation facilities, shopping options etc.
An incredible resource for adventurous and dynamic travelers, filled with attractive images of extraordinary places. If you’re petite of ideas on where to take next trip, travel magazine will motivate you to travel at different destinations, with instructions on various destinations.
Travel magazine providing details about those places where you never visit. You will find travel tips that could save your valuable money wherever you go. Not only students are interested in these types of magazines, it appeals to the travelers of all age group and gives you right information about that place where you want to visit. Once you read few articles you will be tempted to pack your bags and want to spend holidays in that particular destination that is given in the magazine.
If travel magazine have certain advantages, it has some disadvantages also such as if we love to read only one section of the magazine then also we need to purchase magazine every month. It means the wastage of money as well as time.
Now, with the aid of Internet, you don’t need to purchase magazine every month. These online magazines are available all the time. There are many websites that offer free online travel magazine. You can access them any time and read all the necessary information about the travel destinations. They cover all the information like sight scene, tourists attraction, shopping, currency, modes of transports, accommodation, etc.
Octanmen is the popular online magazine that gives you right information about the destination where you want visit and consist of all the necessary details. They provide these magazines free of cost, so, you can access them anytime.
Online Travel and Tourism Career Preparation
When looking to pursue a career in travel and tourism an education will help you to obtain the skills and knowledge you need to be successful. Becoming a professional can require you to learn various skills in order to provide the best services. Online career preparation is available through numerous schools and colleges. Online learning programs offer training at the certificate and degree level. You can start by looking into the level of education and career you wish to obtain.
Learning to work in the field of travel and tourism can be done by completing an accredited educational training program. This can be done online from the comfort and leisure of your own home. Training options include being able to pursue various certificates and degrees ranging from an associate to a master level. The length of training will be based on the level of education you decide you want to earn.
Certificates can require anywhere from several weeks to one years of accredited online training.
Associate degrees typically take two years to complete and obtain in the field of travel and tourism.
Bachelor degree programs can require you to fulfill four years of online learning to obtain.
Master degrees will take you an additional two years of accredited online study to earn.
When you choose to pursue an education and career in this field, you will be able to study various topics that will help you to complete all required training.
Coursework differs between online career preparation programs as well as the level of desired education. You can expect to learn a variety of subjects that relate to your specific career and education goals. Subjects of study may consist of:
Marketing and Sales Techniques
Computer and Reservation Systems
Accounting and Bookkeeping Courses
Cruise Line Information
Travel Destinations
…and many other courses that may relate. Online learning provides you with skills in these areas to help you enter into a successful career. You can choose from a number of professions in travel and tourism by earning an accredited online degree or certificate.
Possible career will vary based on the level of education you choose to pursue. You can expect to receive the training needed to enter into employment as a:
Cruise Sales Manager
Reservationist
Travel Agent
Corporate Travel Counselor
Property Manager
…and many other travel and tourism related professions. You can be sure that the education you receive will prepare you for career such as these by ensuring it carries full accreditation.
Top 5 Destinations – Online Travel Guides
In the current day and age it is very easy to access information about anything. As regards to world travel, when you decide to go on a world holiday you need not worry about finding information about a particular place as it is possible to acquire all the possible information online via the internet. Let me assure you the information is authentic as the reliability of the stuff can always be cross-verified via the other thousands of websites containing information about the same place.
The Online Travel Guides provides you with quick information and the best part is you can check the reliability of stuff on a website as there will be other websites as well, which provide similar information. You also save a lot of time and your decision making process is quite quick, thanks to these Online Travel Guides.
Let us go through the top 5 destinations as listed on the various Online Travel Guides.
Paris: Paris is the romance capital of the world, besides being the capital city of France. Paris has some wonderful landmarks and honeymooners from around the world visit this city in huge numbers. As regards to the one place which defines the city, the Eiffel Tower is probably the most frequently visited places in the entire world and without a shadow of a doubt the pride of Paris and France.
Rome: Rome is the capital city of Italy. The city is rich in history and boasts of some wonderful churches and museums, which only take us back in time and tell us about the glorious past of this wonderful city. The city also boasts of a vibrant night culture as well, hence the sunset is only the beginning of the day for the die hard party freaks.
Hawaii: Hawaii boasts of the best unspoiled beaches on the entire planet. Hawaii is all about some of best islands with spectacular resorts and crystal clear blue waters. Hawaii is the best possible place where the sun, the sea and the sand meet. In recent times, the Maui Island has hosted huge crowds owing to the fact of some breathtaking waterfalls in the region besides the stunning volcanoes as well.
Las Vegas, Nevada: The city of Las Vegas is the headquarters of the US state of Nevada. Las Vegas is known throughout the world as the “Sin City.” Alternatively, it is also referred to as the “largest adult playground” in the whole world.
You may be of the opinion that the city is all about casinos and gambling, however that is not the case with Las Vegas anymore as the present day sees facilities like family-friendly hotels and other family activities as well.
The Caribbean Islands: If you are looking towards dancing on the beach with reggae beats in the background, then you need to visit the white sandy beaches of the Caribbean Islands. Let me assure you will not find such sites in any other part of the globe.
Some of the islands, which need to be visited, are Trinidad and Tobago, Jamaica and the Lesser Antilles.
Those were the top 5 destinations as listed on the Online Travel Guides. Similar to these descriptions, there are thousands of other places listed on the internet and you are provided all the stuff required, be it the approximate cost of your trip to the best time of the year for your visit.
Online Travel Business – Business on Your Fingertips
Travel being the largest business got its rocket speed from the enhancement of internet. Before some years travel was only limited to front store and it was not possible to have online marketing. We can get more than billion sites about the online travel business. Many of them are legitimate and provides with what they had promised but all glitters are not gold. You can find some frauds that cheat people. As everything has got its cons and pro people has to be aware choosing the online travel business.
Online business can be done from any place as it runs on the internet so it can be taken as one of the home based business. The reasons for choosing online travel business can be:-
1) Travel industry: – Travel is one of the largest industries with huge potential. And people love traveling and having quality travels or vacations. So you can have your business running with just little of your hard work.
2) Ease of working time: – As your business is homed based and online mode you can work in your comfortable hours. You can manage your time and can do other work. There are no any working hour restrictions.
3) Low investment: – Online home based travel business can be initiated with small budget. And you don’t have to invest for official assets and overheads. Not much expenses for equipments as you only need to have a computer and internet connections.
4) Benefits of online travel business:- You will get for what you will sell. There is no one to cut in the mid-way because in online you will have direct contact with your customer. You can get extra revenue when you will complete the matrix or when some of your associates complete the cycle. And you will also get additional discounts or free ship for your own travel. At the same time with the luxury of travel you can earn multiple figures dollars.
Hence to have that all benefits you have to start an online travel business and you can be sure to earn much as travel is not any burden to people but they love to travel and they can pay you any dollars for beautiful packages.
Social Media Marketing And SEO
The digital world is an increasingly crowded but mandatory field that businesses owners must play in. As a Tampa business in today’s world it is now not enough to just have a website and Tampa social media marketing strategy, you also must employ a comprehensive search engine optimization plan. For this reason, the smart option is to work with a company, like Webhead Interactive that does both.
Webhead social media strategies are designed in a way to complement their SEO work. This way each end of the marketing spectrum maximizes the work of the other. The result? More traffic to your site and more customers to your business. Tampa social media is a very crowded field. Most businesses are active on one or more of the popular social media platforms, such as Facebook, Twitter, YouTube, even Pinterest and Instagram. For this reason it is important that your business not just be active in your Tampa social media marketing, but also be found through comprehensive SEO efforts.
Webhead Interactive, known as not only a top rated Tampa SEO company, but also the premier Tampa social media marketing agency, has the experience and expertise necessary to help businesses reach their market audience through a fully integrated and optimized social media management strategy. They work on multiple levels to be able to not only help your customers find you, but also interact with you through your social media channels. Since Webhead social media doesn’t just focus on one aspect of your digital marketing, but instead takes a 360 approach, they far surpass the impact of other social media companies in Tampa. Quicker, more powerful results and a proven track record of success.
As the leading full-service Tampa social media agency, Webhead Interactive will help you identify how your business and brand can benefit from an optimized social media presence. An example of some of the services they offer and might recommend include; custom Twitter, Google+ and YouTube backgrounds to help you promote your brand, Facebook timeline design and implementation to increase visitor click-through rates, Pinterest set-up and board strategy, content distribution and sharing strategy to maximize exposure and much more. They will also help you with your digital and social media promotional advertising strategy to further encourage engagement and fan development.
In order to make sure your Tampa business is found by the customers that are looking for you the best strategy is to maximize your online exposure by using both social media marketing and SEO as part of your communications strategy. By choosing a company like Webhead Interactive and Webhead social media, you know you are working with a team that understand and excels at both. The author has an immense knowledge on Tampa social media marketing. Know more about Webhead social media, Tampa social media marketing related info in his website.
Paton Marketing: Quality Solutions for Effective Internet Marketing
Paton Marketing is an Internet Marketing Company Miami that has helped many clients generate great revenues through various online marketing techniques and procedures. Paton Marketing offers services like Search Engine Optimization, Website Development, Pay per Click Management, Reputation Management, and Social Media Marketing. We provide all the services you need at affordable rates.
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.