Daily Archives: November 1, 2017

Archive of posts published in the specified Day

Nov
1

How to Get Affordable Car Insurance in Ohio

People who live in the state of Ohio may be in for a surprise when they open their mailbox. In this state the Bureau of Motor Vehicles sends out 280,000 requests a year to see proof of insurance. Once someone receives one of these notices in the mail they only have three weeks to prove they have insurance. Although it's obviously mandatory to have car insurance, some people forego it because of the price. There are ways to find affordable car insurance and some are not things most people are aware of including:

o Using one insurance company for all your policies including car, home, health and life. Insurance companies give discounts to individuals who purchase more than one type of insurance from them. Ask your health insurance or life insurance agent about a quote for car insurance.

o Buying a car that costs less to insure. Most people never consider the insurance costs that are associated with a particular type of car before they buy it. Call multiple insurance agents and ask for quotes on a car you are considering buying. You may be surprised to learn exactly how expensive it is, and if you find this out before you finalize the sale, you can save yourself a lot of money.

o Mention that you have a car alarm or consider getting one. A car alarm is a great idea for many reasons including the reduction you are likely to experience in insurance costs. Any effort that you make to keep your car safer is viewed in a good light by the insurance company. You'll have to be prepared to show proof that the car alarm system is indeed installed.

The most important factor in determining your car insurance rates is likely your driving record. If you have been in more than one accident in the last few years or you have a pile of speeding tickets with your name on them, you are obviously going to have a more difficult time getting an affordable rate. If this is the case, make a decision to start driving safe now and you'll see your rates steadily drop. …

Nov
1

Bad Credit Personal Loans – Fulfill All Monetary Commitments

It would certainly be a common thing for people involved in financial dealings that one sees the bad credit history developing if the commitments are not clear on time. Bad credit history of the borrowers reduces their credibility which gives rise to problems when they want to borrow money in the future. Bad credit personal loans can be borrowed in such a situation when financial requirements are troubling you.

Home improvement, debt consolidation, wedding expenses, car purchase, travel expenses, etc are some needs that can offer for the borrowers. If this happens when the borrower is suffering from a low credit score, this may turn out to be a problem for him. In such a situation, bad credit personal loans can be borrowed so that all such needs can be deal with easily.

The borrowers who are ready to pledge their assets with the lender for the money can get the secured form of these loans. Money can be borrowed according to the equity of the asset pledged, in the range of £ 5000- £ 75000. Also, the borrower can repay the loan in a term of 5-25 years. The rate of interest for these loans is low due to the attachment of collateral.

Even those who do not want to pledge assets can take up money through these loans. The unsecured form of these loans does not require any asset to be pledged. Money can be borrowed in the range of £ 1000- £ 25000 for a term of 6 months to 10 years. Rate of interest is slightly higher for these loans but can be lowered with the help of online research and comparison of the loan deals available.

The borrowers who are suffering from the problem of a bad credit history can get a much-desired respite for his condition through bad credit personal loans. All personal needs of money can be easily fulfilled through these loans.…

Nov
1

Avoid Business Failure Due To Insufficient Funding

Many businesses fail as a result of insufficient funding. Over investment or loaning too much money into the business is not necessarily the answer either, but a business without sufficient funds can only fail, everually. The guidelines in this article / tutorial explain the steps to take to prevent under funding a business at its sunset and during its active life. The same guidelines can be followed when a business runs out of cash flow and when you may want to grow the business further.

Under-funding, or too low a capital investment by the owners or directors, always leads to failure, especially when funds can not be raised to float the cash flow required to operate the business adequately to produce profits and positive operating results.

Raising further funding can be complex, it is better to fund a business from your own funds for as long as possible to keep the business afloat during tough times and until it can fully stand on its own and float itself. A couple of golden rules need to be applied when starting a new business and when expanding a current business.

  • Make sure that your business plan is watertight, and that it is also realistically achievable at the same time.
  • Make sure that you put enough money into the business at the outside to keep it running for six months before showing a profit. This is because new businesses, especially, can easily take up to six months, sometimes longer, before they start to produce meaningful profits and the required cash flow. It takes time to establish a firm place in the industry or market of your business; very rarely can one hit the jackpot immediately. This is only possible if your product or service is scarce in your area.
  • Keep tight control over purchases and expenditure from the first day. Keep cross checking to the budget and the business plan.
  • Golden rules Follow to apply when purchasing a business, or a going concern.
  1. Have a qualified accountant analyze the most recent audited and certified financial statements of the business that you want to buy
  2. Ensure that all the statutory returns (taxation, regional and local authorities, employment office, etc.) have been submitted and are paid up to date.
  3. Make sure that your accountant drafts a valuation of the business from his analysis of the financial statements. He must establish whether the business is actually worth the price being asked for it. Does the price fully represent the value of the assets as shown in the balance sheet.
  4. The accountant must make sure that the royalties, if any, are worth what they are stated at in the Balance Sheet.
  5. Establish whatever the value of the Goodwill, if any, is truly representative of the customer base, or whatever the goodwill figure may represent.

This type of business collapse and failure does not need to happen to anyone, especially if these basic guidelines are followed. Wishing you every business success.…

Nov
1

To Do List: A Must for a Healthy Lifestyle As a Personal Trainer

Being a personal trainer is not an easy job, especially if you have to balance your time between your personal tasks and your job. It can sometimes be a pause from one’s healthy lifestyle as it spells out “stress” even before you start.

Trying to squeeze in some things like writing a thank you note to someone for replacing the wrong shoe size you ordered, cleaning your house that is due for inspection, confirming your night out with your new and old friends, and setting up a schedule with your regular clients can be a daunting task. In order to do all this, a personal trainer must have an organized to-do list in order to accomplish what is needed to do.

Here is a sample to-do list as a personal trainer:

    1. Meet up with a personal trainer I want to hire over a cup of coffee nearyarea.

    1. Clients are on top of a personal trainer’s list. A regular 90-minute gym session with them is always part of your to-do list.

    1. Set up a regular meeting with my apprentices formulating ideas about diet and lifestyle programs specifically for each client. Every client’s needs and health issues are different from each other so each one should have their own specific programs.

    1. Catch up on my speed-reading training. This is necessary not just for personal trainers but also for any busy person. It can save you a lot of time going though your documents that has “to read” notes and doing other personal stuff that needs your immediate attention.

    1. Christmas season is fast approaching and articles like ‘How to Remain in Shape over Christmas’ should be a priority. Spend some ample time to formulate ideas on how to go about this article.

    1. Check out the business portion of The Age regularly, a must read for every personal trainer who is also venturing into business like fat loss program.

    1. Hook up with other affiliates through meet ups or send them an email. In my case, Isagenix is ​​one of my affiliates.

    1. Internet is a serious business. Take some time off to deal with that new internet business which is the 12-Week Body Transformation program.

    1. Developmental seminars play a major part in enhancing the skills of a personal trainer. I always try to convince one of my colleagues to tag along with me so I do not have to attend it alone and we can both learn together as well.

    1. At times, resolving issues like Ezpay charging higher amount to your customers than what should only be billed is not a good business. Resolving issues like this is part of my job. This way, customers will feel special that you are the one handling their concerns and not just one of your associates. This is a nice customer retention strategy.

    1. Your health and your customer’s health should also be on top of your concerns. Remember to call people connected with your Corporate Health business as much as I can to check on things.

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