Monthly Archives: February 2017

Archive of posts published in the specified Month

Feb
28

Make Money Online – How To Make Money Online By Setting Your Prices

One of the most difficult aspects of creating your business to make money online is determining how much to charge your customers. The amount of money that you ask of customers who are buying your product will greatly influence whether they purchase what they are looking for from you or if they will look elsewhere. Naturally, you want all of the customers to come to you for their needs, not your competitors. It is important to research what your competitors are charging as well as figuring your expenses to come to a fair price for everyone involved.

It is very tempting to simply set your prices lower than all of your competitors simply to undercut them and cause all of the customers to come to you to get a deal. However, this is not an advisable way to make money online. In fact, it is a quick way to run your new business into the ground. If you can not cover your costs at the very least, you will not be able to make your business succeed. Therefore, you need to determine what price is fair to your customers and allows you to pay all of your bills as well as bringing in a profit.

One of the first steps in setting your price so that you can make money online is to determine how much materials cost. It is important to determine exactly how much each particular item that you will be making costs you in terms of materials. This can easily be done by adding up the cost of the materials that you purchase at the store. You can then divide that total cost by the number of products that will be made from that batch of materials.

You will also need to determine the costs of your time. This can be very difficult to pinpoint exactly how much your time is worth. An easy way to do this is to figure out how much you would likely need to pay someone else to make the items. This would be your labor costs. Even if you are the only employee that you will have, it is important that you get paid for your time just as it would be to pay someone else for their time.

Another important thing to consider when trying to make money online is how much you are spending to run your business. This would include a portion of your housing payment as well as portions of your utility bills and even a computer which is essential to make money online. You can not claim to use your entire home or need to pay your entire heating or electric bill to run your business. However, you can claim a portion.

Determining a fair cost for your products can be a difficult formula but it is not impossible. To make money online, you will need to be sure that you are covering all of your associated costs with running the business as well as making …

Feb
27

Five Sure Ways to Make Money on YouTube

You have probably heard stories about people making money from YouTube and wondered how you can do it. At the start it may sound unrealistic, but after you give it a try, you will be surprised by the result. The following are the best-proven methods for earning money from YouTube.

Monetize your videos with the YouTube partner program

After you have created several videos of whatever length, join the YouTube Partner Program. This means that you will be allowing YouTube to place ads to your videos. By so doing, you will acknowledge that there are no copyrighted materials in your video. The process takes just a minute to set up, and YouTube will select ads to be shown on all your video and then you can start earning a portion of the revenue.

Make videos, any videos.

You have to realize that, by just setting the monetization up, money will not start flowing quickly. You will have to make as many videos as possible. The better side of it is that it can be any video. Make one minute video that has some humor in it, talking about anything, and upload it. With time, you will start receiving revenue from the videos.

Set annotations to link to iTunes

Once your account is monetized, you can enable annotations that will provide links to Google Play, iTunes, and other websites. You can achieve this by just enabling the annotations and adding one to your video. This will instantly create traffic to sell your videos as they will have a greater target of viewers.

Make tutorials to teach your knowledge.

As you will realize, tutorials are very many on YouTube. From anything you know, you can create videos about it, teach others how to do it, and make money from the videos. You can decide to make fashion videos where you post videos that contain the latest trend, create lectures teaching your accounting or drawing skills, as well as videos containing a new dancing style that you gained.

Sell other people’s products as an affiliate marketer.

You can easily make a commission by selling other people’s product as an affiliate marketer. Thousands of companies give attractive deals to affiliate marketers who are willing to market their products. Big companies like eBay and Amazon can pay you a good amount of money if you market their products through your YouTube account. Your YouTube account can also be linked with other affiliate networks like Commission Junction, ShareAsale.com, and Click Bank.…

Feb
26

How To Obtain Limousine Financing For a Start Up Business

Many enterpreneurs like the glamour of starting a limousine business but the road to their

success may be a little bit more complicated than one might anticipate. This article will concentrate on the financing side of the startup investment and try to give the want to be limo entrepreneur a reasonable assessment of what is in store for them.

Today, most typical lenders aren’t interested in lending money to a start up business for a limousine service. They consider it a high risk type of business and feel that their investment dollars can be better spent somewhere else in their portfolio. However, there a few lenders out there that feel comfortable in the transportation industry and will lend accordingly. Their bankground might be exclusively in this industry and will cover not only limousines but additionally limousines and shuttle buses, coach and tour buses, ambulances and hearsts etc.

Most lenders review the applicant’s background and want to ascertain that they have experience it in this industry and/or have other key employees that can supplement this situation. Additionally, they understand that this start up business may lose money at the start and want a comfort level that the applicant has a nest egg of money. An income producing spouse that can support the cash flow demand.during the start up phase would be a real plus. Additionally, the personal credit of the applicants may be raised to a higher standard to reinsure the lender that he has a qualified applicant.

Once the lender gets passed the initial credit review and the applicant’s qualifications to run this type of business, the amount of upfront money to qualify for a lease becomes an issue. Each lender is different but for the most part they require the applicant to put up somewhere between

10%-25% of the acquired cost of the limousine. Each limousine deal is reviewed separately by the lender because, in their mind, a hummer vs a lincoln stretch has different criteria to them. They review the year, make and model, including the mileage, etc to come up with a financing deal. Many lenders don’t like lending below $25,000 to $30,000 and a limousine no older than maybe three to four years old. Additionally, their leases could run as little as 30 months and as much as 60 months. It is advised for you to look at more than one lender and see what criterial is best for you.

The final part of the financing exercise is to find out how much you monthly payment will be. This can be an interesting exercise because know one is going to quote you an interest rate. I have seen start up limousine businesses being charged anywhere between 14%- 38% interest per year once you get through all the red tape. This carrying cost is criterical for you to make sure you are able to afford the payment per month because you don’t want a run away business which will be out of balance from the start. It …

Feb
25

Car Insurance – Keeping the Premium Low

Car insurance in the city is almost always a must, if you want to make sure you have protection against pricey repairs for damage caused by an auto collision. Areas of high traffic often produce many more car accidents then more remote locations. Shopping around for NJ car insurance that will not drain your bank account is easy to do. There are many ways to keep the monthly payments low as well. The following list describes various types of discounts available.

Multi Car Discount

If you have multiple cars on the same policy, the first one is full price and each car added on after this one gets a discounted rate. This is an excellent type of discount when there are many cars to be insured. Sometimes, this is the only way a large family is able to afford insurance for all cars within the household.

Driver Courses

New drivers that have taken Drivers Education will get a discount on car insurance. Another way to receive discounts is by taking a Driver Safety Course or a Defensive Drivers Course. Both of these need to be approved by the Department of Motor Vehicles in New Jersey for them to qualify for discounts on insurance in NJ. These courses can also help to repair bad driving records caused by various traffic violations.

Car Safety Features

Many new cars have excellent safety features such as air bags, automatic safety belts, anti-lock breaks, and anti-theft devices fitted to the car. Insurance companies view these features as being worthy of a discount, since they can easily prevent more damage from occurring. For instance, if there is a collision that was enough enough to set off the airbags, then it must have been a fairly serious accident. If the airbags had not been in place, the insurance company would probably have been shelling out a lot more money in medical payments to the driver of this vehicle. Therefore, these discounts are sort of like a 'thank you' from the insurance company for purchasing a car that can extremely efficiently save them money as well.

Finding NJ car insurance that does not cost an arm and a leg is possible. As you can see from the information above, most car insurance agencies try to provide at least some form of discount for their policy holders. With all the discounts available for the safety features found on newer cars, it's more beneficial to buy a new model and get rid of that old clunker you've been insuring. …

Feb
25

What Everybody Ought to Know About Chemistry

Have you ever met someone that right from the start you hit it off with? The interaction just flowed and you were not doing anything but being who you are. You laughed, smoked, told jokes, told stories and for just a fleeting moment you thought, "Wow this person is so cool." In that moment you are experiencing something so diverse and mystical that scientists have devoted their lives to providing exists. What is that thing? It's chemistry ….

In its simplest definition, chemistry is the interaction of one personality with another. In science when two chemicals interact we know that it can have an explosive results and the same is true when it comes to dating. Before we explore what dating chemistry is we must understand what it is not.

Chemistry is NOT just attraction …

Attraction is something you can generate in another person by banter, role-play, fun, touching and other playful activities. Chemistry is not something you do to another person it is something you have with them. In attraction you are doing actions and generating a feeling from the person, with chemistry you are not "doing" anything but you build a connection. you are trying to generate attraction you are doing actions that cause an emotional reaction in the other person.

Attraction is about doing, chemistry is about being …

Attraction is something you can generate in most people you meet; chemistry is something you find in a very rare amount of people. Just because you have similar personalities and get along does not mean you found "the one." Since we understand the differences between attraction and chemistry we should break down the types of chemistry people can have.

The way I see it, there are two types of chemistry, Personal and Sexual.

Personal Chemistry is all about your personalities. Do you have similar personality traits and commonalities? Personal chemistry is finding a person who you connect with based on who you are to the core. Personal chemistry is much deeper then commonalities like "we both enjoy the same music." Personal chemistry is a longing or drawing to each other based on personalities. This is often mystical to people because they might not know what it is about that person but they just seem so cool. This type of chemistry is often confused for attraction because of its mystical nature. There is no doubt that mystery cause of attraction and often times the root of the mystery is that people do not understand that they have personal chemistry and that have developed feelings of attraction.

Attraction can be created by chemistry but chemistry can never be created by attraction because chemistry is revealed and attraction is created.

Sexual chemistry is a draw to each other sexually. Sexual chemistry is more than just a want for your partner; it is a compatibility with each other's fantasies. If oral sex is important to you but she does not want to perform it much and is really not into it …

Feb
24

How Do CFD Providers Make Their Money?

There are two types of CFD models, Market Maker and Direct Market Access. Each type has its own advantages and drawbacks and each CFD provider makes money in a very different way. It is important to understand how CFD brokers make money when you trade. In this article we will focus on Direct Market Access or DMA CFD providers only.

Direct Market Access CFDs are the most transparent type of CFD available, the reason for this is simply because DMA CFD brokers hedge every order they receive from their clients in the underlying market. When trading DMA CFDs you will actually see the CFD providers hedge order in the order book of the share listed on the underlying exchange on which the CFD is based.

In order to hedge in a cost efficient manner and enable the DMA CFD broker to offer CFDs on overseas exchanges the DMA CFD provider will utilise the execution services of a global investment bank that has exchange memberships globally. Having a relationship with one execution provider also allows the DMA CFD provider to achieve economies of scale resulting in lower execution and financing costs for the provider and ultimately the end client.

The global investment banks providing the DMA execution into the underlying exchange on behalf of the CFD provider also provide the financing on the positions, this execution and financing service combined works much like a CFD but on a much larger scale. The CFD brokers hedge transactions with the investment bank are known as SWAP transactions and the service offered by the bank is known as prime broking.

A DMA CFD provider model is simple, aggregate as many client orders and positions as possible in order to achieve reduced execution and financing rates on the SWAP contracts offered by their prime broker.

CFD providers make money much like any business where the business owner buys from the wholesaler and then sells the product in stores to retail customers.

The formula is simple, if your CFD broker is charged 0.01% commission on their SWAP trade and pay a financing rate of 0.50% above or below the RBA rate any they charge you 0.10% commission on the trade and 3.00% above or below the RBA rate they will make money. In addition to making money on commission and financing DMA CFD brokers also receive the benefit of netting all client positions against each other. Put simply netting means that if a long position offsets a short position the CFD broker has no position, however, as the client who is long is paying interest and the client who is short is being paid interest less a small haircut, the CFD provider profits from the difference between the two interest rates.

It is important to note that prime brokers will not deal with retail clients themselves and will typically only deal with large hedge funds and CFD brokers as such CFDs are a great way of achieving access to global markets in much the same way …

Feb
22

Foreign National Commercial Mortgage Loan Basics

As US dollar is becoming stronger and commercial real estate values are rising by the day, foreign buyers can have a real incentive for buying an investment property-whether it is commercial or residential. Persuading foreign investors to speculate in US economy has different incentives as well.

Some facts that are worth reading

As per National Association of REALTORS®, foreign buyers, until March 2014, invested in excess of $99.2 billion US residential real estate. These figures continue to soar with time. So every international buyer who can afford to invest in US properties and who look forward to living abroad should invest in the country’s real estate investment market.

When problem hits foreign real estate investors

Options for an international real estate buyer to pick from can be significantly limited as they will generally have to provide a:

  • U.S Federal Tax Identification Number
  • U.S Bank Account
  • State Certified Corporation, LLC, LP, or any active company
  • Proof of residence

And if a foreigner is incapable to furnish any of these docs, then the person will doubtlessly be ineligible to get a traditional mortgage and other similar financing options. Foreign buyers, however, can pay in cash-but as interest rates are low across the United States, it is preferred for buyers to finance their investments. And that is when a foreign national loan can be of great help to any foreign realty investor.

Understanding foreign national commercial mortgage loans

Foreign national commercial mortgage loans are available to every non-US citizen who are look forward to investing in any domestic property. However, any foreign national will not find this mortgage in traditional banks. And even the terms and conditions or requirements of this specific loan will vary from one lender to another.

Generally, foreign national mortgage lenders offer this loan type at down payments that start anywhere around 30 percent of the buying price. However, the down payment can even go as high as 40 percent-that depends on the size of the loan that any foreigner may apply for.

Apart from large down payments, this loan is similar to a traditional loan. The process of securing this loan is just like the one followed to get a domestic loan. For building a borrower profile, lenders will need:

  • Their passports
  • A Tax Identification Number given by the Internal Revenue Service
  • Asset proof that is verified by any global financial institution
  • A Letter of Professional Reference From An Accountant and or Banker

Foreign borrowers will generally have to pay a higher interest rate than the ones given by US residents. But borrowers may get a commercial mortgage with an annual interest rate as low as five percent because of larger down payments and historically low interest rates.…

Feb
21

Renters – How to Protect Your Personal Property

Many renters do not feel they have a lot of personal property, so question the necessity of protecting these assets. However, whenever you live in a large rental house or small studio apartment, you most likely have more than you realize. This means it's best to have renters insurance and also an inventory of your debts to back up any insurance claim.

After a disaster, renters without insurance are often shocked that the landlord does not have each individual's contents covered. This is entirely on the person renting, as they are the ones who own these belongings. Thus, there is a need to purchase personal property (contents or asset) insurance.

Renters Insurance
Renters are just as prone as homeowners when it comes to facing a disaster. Therefore, it is in the renters' best interest to protect their assets.

Before you feel you do not have much to insure, think of all the electronics you own, such as laptops, tablets, audio players, DVD players, televisions, stereo equipment, surround sound, etc. This one category of alliances can total thousands of dollars very easily. Now figure in jewelry, collectibles, decorative items, fine china, DVDs, CDs, clothing, linens, small appliances … the list goes on! Furniture often seems to not be worth much after you've owned it for a few years, but the money it would take to replace it will certainly place a huge amount on your credit card if you do not have the funds to pay cash for it. Therefore, anything you can not afford to purchase with cash is worth protecting.

So what can you do to protect your assets? Prepare for a disaster by having renters insurance and an inventory of your marriages.

Renters insurance is reasonably priced. If you have to replace all of your contents, or just a few items, you'll realize the value immediately when the dollars start to add up! Your insurance agent will be able to determine the amount of insurance you need when you state how much your contents are worth.

How do you know the value of your contents?
Complete an inventory of all the items you own – or hire a professional service to do it for you.

An inventory is the most valuable document to support your insurance claim. It provides proof of your marriages, and the details required to file a thorough claim. You'll be able to provide that information quickly. Your recovery will be expedited as a result of having the information already documented, compared to those who will spend hours and hours doing their best to complete the claim form, all the while knowing they forgot items.

Having a renters insurance policy and an inventory will not prevent a loss, but they will help you protect your assets. Having the proper insurance, being fully covered, and then being able to prove it will make your claims process smoother and with much less stress. …

Feb
20

Financial Abundance – 5 Factors

As an “Abundant Life Coach” I get asked about the meaning of “financial abundance” very often. What this means to you can be the difference between living the lifestyle of your dreams, or settling for something less than your dreams. I want you to live the life of your dreams!

Here, then, are 5 Essential Factors of Financial Abundance:

“The Abundant Mindset”

Thousands upon thousands of books, articles, media, programs, and so much more have been produced that discuss the awesome power of our minds, and the influence of our thinking upon our lives. It is difficult to say enough or emphasize enough that truth. As I see it, we are exactly as we think.

In my work, I recommend the adoption of an “Abundant” mindset. This means so much more than finance or money, however, for the purposes of this article, I will discuss abundance only as it applies to the world of money and finance.

A financial abundance mindset means enjoying an abundant amount of money, and yet not allowing greed. Greed does not work (sorry, Gordon Gekko). Of course “financial abundance” will be a relative concept; it will probably mean something different to each person. Greed, however, is fairly obvious; it is almost like knowing (within your mid or heart) the difference between right and wrong.

Further, a financial abundance mindset means having the monetary means or resources to enjoy an abundant lifestyle, yet balancing your financial wealth with philanthropy and generous giving (see point 4). When one’s personal motives are clearly defined and one’s goals are aligned with those motives, then financial abundance becomes clear.

“Specialized Knowledge”

The largest difference between the rich and poor (or the “haves” and “have-nots”) is knowledge. Or, more specifically, the largest difference is a specialized knowledge; meaning that they have the “right” knowledge and also know how to use that knowledge to their advantage. In other words, specialized knowledge is the information or data itself, coupled with the wisdom to know how to use the information or data.

For many, specialized knowledge is an academic education such as medical or law school, while for others this might mean computer programming, aviation repair, or something. Further, many of those with a financial education know how to leverage their own money to make more money. Obviously the point is that specialized knowledge translates to earning ability.

“The Power of Compounding Interest and Investing”

For many people, diligent savings and investment of a consistent percentage of income over considerable lengths of time has lead to financial abundance. I would certainly add that economic factors always play a significant role with regard to risk in investments. Even so, living well within one’s means while investing and saving can very often lead to financial abundance.

“Generous Giving”

Generosity does not necessarily mean giving away or donating money. Mr. Zig Ziglar has said: “If you can dream it, then you can achieve it. You will get all you want in life if you help enough other …

Feb
19

Fire Insurance Under Indian Insurance Law

A contract of Insurance comes into being when a person seeking insurance protection enters into a contract with the insurer to indemnify him against loss of property by or incidental to fire and or lightening, explosion, etc. This is primarily a contract and hence as is governed by the general law of contract. However, it has certain special features as insurance transactions, such as utmost faith, insurable interest, indemnity, subrogation and contribution, etc. these principles are common in all insurance contracts and are governed by special principles of law.

FIRE INSURANCE:

According to S. 2(6A), “fire insurance business” means the business of effecting, otherwise than incidentally to some other class of insurance business, contracts of insurance against loss by or incidental to fire or other occurrence, customarily included among the risks insured against in fire insurance business.

According to Halsbury, it is a contract of insurance by which the insurer agrees for consideration to indemnify the assured up to a certain extent and subject to certain terms and conditions against loss or damage by fire, which may happen to the property of the assured during a specific period.

Thus, fire insurance is a contract whereby the person, seeking insurance protection, enters into a contract with the insurer to indemnify him against loss of property by or incidental to fire or lightning, explosion etc. This policy is designed to insure one’s property and other items from loss occurring due to complete or partial damage by fire.

In its strict sense, a fire insurance contract is one:

1. Whose principle object is insurance against loss or damage occasioned by fire.

2. The extent of insurer’s liability being limited by the sum assured and not necessarily by the extent of loss or damage sustained by the insured: and

3. The insurer having no interest in the safety or destruction of the insured property apart from the liability undertaken under the contract.

LAW GOVERNING FIRE INSURANCE

There is no statutory enactment governing fire insurance, as in the case of marine insurance which is regulated by the Indian Marine Insurance Act, 1963. the Indian Insurance Act, 1938 mainly dealt with regulation of insurance business as such and not with any general or special principles of the law relating fire of other insurance contracts. So also the General Insurance Business (Nationalization) Act, 1872. in the absence of any legislative enactment on the subject , the courts in India have in dealing with the topic of fire insurance have relied so far on judicial decisions of Courts and opinions of English Jurists.

In determining the value of property damaged or destroyed by fire for the purpose of indemnity under a policy of fire insurance, it was the value of the property to the insured, which was to be measured. Prima facie that value was measured by reference of the market value of the property before and after the loss. However such method of assessment was not applicable in cases where the market value did not represent the …