Monthly Archives: April 2020

Archive of posts published in the specified Month


Smart Way To Protect Your Unemployment Days With Income Protection Insurance

Getting ready, going to the office, coming home to the family is what we all do every day. Such is the impact of work on everyday life that we rarely think of a single day without work. However there can be occasions when you are unable to work for three or maybe six months. In such a situation, your normal sick pay will run out. What can you do for income? If you had been smart enough to get income protection insurance you would not have to worry about anything.

What Is Income Protection Insurance And Why Do You Need It?

Income protection insurance protects you when you are unable to work due to sickness or injury. The policy will pay out till you can get back to work, retirement or end of lifespan. Thus, it provides financial protection for you and your family during troubled times. Although employers offer support to their staff if they are sick, it lasts for only a year. After that they have to find some other means of financial support and this is where having Income Protection Insurance proves to be beneficial. In today's fast-paced world with so many risks, is advisable for any person in a working age to have it.


It protects you during unemployed days with a payout that helps maintain your lifestyle. The amount obtained from it is 50% to 70% of the normal income. It can be used to pay for mortgage, household and other essential expenses, so that loss of income does not affect life. It gives security for you and your loved ones under difficult circumstances. The payout received is not subject to taxation. Getting coverage will not take time because no medical tests have to be undertaken. You have to answer some questions asked by the company and sign up the policy.

The payout starts after a period of time, which is agreed upon by you and the insurance company. It can be anything between one to twelve months. If you choose a longer deferral period, the premium rate will be low. Making a claim is easy because all you have to do is call the insurance company to find out what documents to provide for the claim to be processed. Submit them and the payment starts after the deferral period is over. This insurance can also be taken by people who run a business. If sickness or injury prevails them from running it money it helps to cover expenses.

Different Types Of Income Protection Insurance

Income protection insurance is available in many forms. There is a long-term policy which pays out till work, retirement or end of lifespan. This is the regular type and what many people opt. You can also consider a short term policy in which the payout is for a period of one to five years. If you are looking for something cheap, check out the ASU or Accident, Sickness and Unemployment coverage. In this policy money is paid only under …


Three Ways to Make Money Investing

There are lots of different ways to make money in the modern world. It's not always as cut and dry as getting a job, or starting a new business, although those are viable ways of making money.

There is a lot of money to be had by investing, and there are a lot of different ways to look at it. You could invest in a handful of options, some of which are high risk, and some of which are low risk, but all of them can make you money with time.

Finding which ones will make you the most is a tough one to call, but there are three sure fire ways to make money investing, that have been proven time and time again to work.

Although we will look at three different things, it's important to understand that investing does take some risk, and there are no real 100% sure-fire investment options, but that's not to say there are not some "safer" routes to travel.

The first major way to make money investing is to look at mutual funds.

Mutual funds are relatively low risk investing options that come in different different types. There are roughly six types of funds to look at, and require a professional to help you organize and distribute your money. The minimum amount is usually around 1,000 dollars and yields various annual returns based on 1, 5, and 10 year periods.

When you open up the average mutual fund, you're investing in a variety of low risk, low yielding stocks. The return on investment fluctuates annually, but most often than not, you actually yield steady returns. You'll have to invest a large sum of money to make it worthwhile, but with the low risks, and quality, near guaranteed results, many investors find this to be a great overall option to take advantage of.

The second major way to make money investing is to buy gold.

Gold gets a bad name by many high profile money managers. It seems that a lot of people have a problem with the fluctuations in value of gold, but what they seem to neglect to mention, is that gold is never really at 0 value.

Sure, it's true that you're not going to pay your bills in gold, but it can be a solid investment strategy if you're looking for tangible investments. The price of this precious metal has reached over one thousand dollars an ounce and has been the target of many different companies, trying to invest, as the price could rise with economic hardships. This method of investing has a high investment point, but could reach to higher limits. Once again, it's important to understand that there is always a risk involved with purchasing precious metals, but on the contrary, gold has never been at $ 0 value.

A third way to make money investing is to look at CD Bank Accounts.

Certificate of Deposit (CD) accounts are offered by many different banks and are relatively low …


Making Extra Money Online – Make Your Money Without Hype

In the recent years, we realize that the average statistics of the population would encompass the fact that 1 out of every 3 middle class families own a personal computer. You'd think that making extra money online would be great because of the opportunities out there.

Yes, you certainly can be making extra money online easily but the one thing that will get in your way is hype. Since you know that there's so much people already on the Internet there is also what we call a lack of trust spreading amongst users online. Go ahead and click on any website you will find 80% of them using slick sales letter that just screams out ridiculously outrageous claims.

The Sad Fact

The sad fact is these are your competitors in making extra money online. They have the same goals as you. Look at the nice yacht, car, luxury home and pictures of diamonds pastered all over their websites. Let me tell you that those 'pictures' are their marketing strategy.

Amazingly, those same strategies sell! You might think that, "wow, this is bad .. how am I ever going to …". How are you going to what? succeeded in making extra money online? Follow along with me so I can tell you a strategy 10 times more powerful than this.

The Happy Hour

Whatever time zone you're in now, this is your happy hour. Its your happy hour because you will discover how to beat these hype marketers flat on their face and still enjoy making extra money online. Your key is to build trust.

You see, your website is like a place of presence online. When a regular person comes to visit your site they are only interested in two things: what will benefit them and what is your personal story. You can start making extra money online by being honest about who you are and what you have to offer.

Have you heard of the phrase, "find a need and meet it" ? Well, making extra money online can be reliably easy if you have something of value to offer to people. Remember that being honest all the time with your own story always sells. Pretty soon you will be well respected for your integrity online. …


Lessons You Must Teach Your Children About Money And Credit!

When credit card offers start arriving in your childs mail, they can become an easy remedy for being broke and this will lead to even more money mismanagement and even credit problems or worse, bankruptcy! Teaching your children about money does not have to be a hard lesson though and if you get to them while they are young, it will be easy and fun for them and you will be setting up good habits to carry them through for life.

There are a number of ways to begin teaching money management so they do not have problems in the future.

Introduce them to money itself! Help them with homework math problems and get them used to the idea of ​​counting money, quarters, pennies, dimes, dollars and so on. Have then do simple math like adding and subtracting and so on. As they get older you can add more complicated math problems and issues such as understanding how to calculate interest from credit cards, the first type of credit they are likely to get.

Teach by being an example! This can be harder on us than our children, but it is worth it. Your children will learn about money management easier when you learn the lessons you are teaching! You children will not believe a word you say if you do not have good money management skills yourself, so learn all YOU can about credit, budgeting, investing, saving and avoiding or reducing frivolous debts.

Give them an allowance! Yes, that means your going to have to give them some money yourself, even if it is only a dollar or two a week. let them make their own decisions about what to do with it. Some say a dollar for every year of age is realistic in our current times. If you have a 10 year old, give them 10 dollars per week or month depending on your own budget. If they are never given any money, they will never learn how to manage it! Hopefully they will have learned from you by the knowledge that they have received how to spend it or even if they want or need to. Whether they blow it on the first want or decide to save it, they will be better money managers when they become adults.

Teach them one thing at a time! Do not overwhelm them with all types of responsible money management at once or you will lost them in the process. Children are not often great managers of much at a young age and if you let them fall once in a while, this can be the best lesson of all! The more experience they have with money, the better skilled they will become in managing it. If they so choose to blow it as soon as they get it, then this will teach them about patience and saving for what they really want and avoid impulse buying. You are also setting up the foundation for investing at this time, …


How to Make Money With Google AdWords and Affiliate Marketing

Affiliate marketing is probably one of the easiest ways to earn money on the internet; you do not need a product because you simply promote someone else's. But in order for your affiliate marketing to be a success you need to drive targeted traffic to your landing page. Google AdWords is a form of Pay Per Click (PPC) advertising and is one of the most cost-effective ways to drive targeted visitors on the internet. You can not just jump into PPC though; first you need to understand how it works.

What is PPC?

Search engines display sponsored listings on their results pages and the advertiser's position in the list is based on how much they are willing to pay for each click the ad receives. The more you are willing to bid for the keyword the higher up the list your ad will display. To ensure that the ad being displayed is actually relevant to the search the search engine will also take into account the quality and relevance of the landing page; This is known as a Quality Score. PPC is one of the most cost-effective ways to drive targeted traffic on the internet.

How Can You Make Money With Google AdWords?

A few years ago it was possible to build AdWords campaigns and drive all of the traffic to the merchant's landing page, unfortunately this is no longer the case. Google will only display one ad per URL for each search query, this means that if you are promoting a popular affiliate product the seller with the highest bid will have his ad displayed and yours will not be seen at all. This leaves you with two options; be the highest bidder, or set yourself apart from the competition:

Bid high on your chosen keywords . If money is no object, or you know that you have chosen a high converting product you might choose to just bid as much as you can for the keyword. This is an acceptable strategy, but you will need to manage your account very carefully or it could become very expensive very quickly.

Build your own landing page. If you do not want to spend too much on the ad itself then you should consider directing your ad traffic to your own landing page instead of the merchant's. Make the content on your page relevant to the keyword you are bidding on and drive prospects to the merchant's site using text links and banner ads. If you are bidding on a number of different keywords you can ensure your landing page is the most relevant by building a specific one for each keyword. Do not forget that relevancy forms part of the Quality Score and will improve your position in the sponsored ads listing. If you do not want to spend money on webhosting you can build good quality landing pages on social websites like Squidoo.

Give something away for free. The benefit of having your own landing page is that you …


Homeowners Insurance For Mobile Homes In Alabama

On average, there are twenty-three tornadoes in the state of Alabama each year. For someone living in a mobile home, a tornado is one of the worst disasters that can occur. With the sheer force of the wind, a manufactured home can be ripped apart in just a few seconds during a storm like this. That is one of the reasons it's so important to have homeowners insurance for a mobile home for individuals living in Alabama.

Virtually every company that supplies traditional homeowner's insurance in this southern state will also accommodate individuals living in a mobile home. As with any type of insurance there are generally several different types of policies to choose from. Although a mobile homeowner may be tempted to take the policy that offers the lowest priced premiums, this may not supply all the coverage that is needed.

It's a good idea to invest in a policy that provides coverage from many different acts of nature. These can include:





Damage that is sustained as the result of a flood may not be offered by all insurance companies. It is typically dependent on where the mobile home is located, and it's wise to inquire about it with the agent you purchase your home insurance from. If there is little risk of your manufactured home being flooded, you can probably forego it, but if there is a real concern, be certain to ask about it and its availability for your particular situation.

You may also want to consider the level of liability coverage you purchase. If you are concerned about someone tripping and falling on your property, or if you have an aggressive dog, seek out a higher level of liability insurance. Although you may never need it, it's good to know it's there just in case. …


Is the Life Insurance I Get Through My Employer Enough?

Many people know that I work in the life insurance industry and ask me if the life insurance they get from their employer is enough. There are several types of life insurance that fall under the heading of "Employer Life Insurance". I will try to address their merits individually.

Life Insurance included as part of your Employee Benefits

Many companies that offer health insurance benefits also include a life insurance benefit. The face amount is usually either a flat amount (eg $ 10,000) or based on a multiple of the employee's salary (usually 1 or 2 times the annual salary). Usually this type of coverage is not even optional and there is no reason why you should not accept this benefit.

I would caution you against relying on this as your only form of life insurance. Many people know that they need life insurance and allow themselves to believe that this benefit satisfies that requirement. If your life insurance needs include paying for a funeral and a few bills then $ 10,000 or your annual salary may be enough. If you have a spouse and children that is on your income, then this amount is probably not going to cut it.

Another issue with relying on this type of coverage for your life insurance needs is that this type of coverage is not portable. If you leave the company, then you can not take the policy with you. You need to have a policy that you own and can take with you no matter what your employment situation. You do not want to be at risk while you are between jobs or waiting for your benefits to begin at a new company.

Additional Optional Life Insurance as part of your Employee Benefits

Many companies include a small amount of life insurance with your benefits as I stated above. As an additional benefit, many companies give you the option to sign up and pay for more coverage with your benefits. Most people find this convenient because the promotions are deducted from your paycheck just like your health and dental benefits and you usually do not have to go through anywriting. The insurance company will usually give you a cheaper rate than most other simplified issue life insurance policies because you are in a group and they assume that people who are employed are generally healthier than people who are unemployed.

Even though this is convenient, I would encourage you to shop around and see if you can find better rates on the open market. In most situations, people will find much cheaper insurance if they go and buy a life insurance policy on their own. You will probably have to be written to get the lower rates, which is an added inconvenience. On the other hand, almost every life insurance company now gives you the option to have your payments automatically deducted from your checking account so that you do not have to worry about writing out premium checks every month …


Building an Insurance Business – How to Find Quality Sales Agents

There are many aspects of building a successful insurance business. In addition to finding a great location for your office, marketing yourself as an agent and building a good customer base, finding quality sales agents is essential if you want to be a success. So what’s the best way to find great insurance agents that can work in your agency? Here are some tips you can use to increase your business’s success with quality agents.

Have a Great Office Building

If you want to attract some of the best insurance agents in your area, one of the best things you can do it have a great place for them to work. This will include a great location that agents will be happy to work from. But in addition to that, your office building should have attractive office spaces that you can offer to the agents that you hire. Offering each of them an office that they will be proud of having their clients visit will make them want to come to your agency instead of your competitions.

Make Them Feel Important

One of the best ways to attract new agents to your business and keep the good ones is to make them feel important. If they feel like they are a vital part of your agency and its success, they are more likely to continue working for you and put their best efforts into increasing the customer base. There are several things you can do to make them feel important. One of the best ways is to delegate tasks to them that are important to your business. You can’t do everything yourself so find out what certain agents are good at and have them do tasks that utilize their talents and skills. When they see that you trust them and have confidence in them, they are going to give 110% every day.

Be a Good Example

Setting a good example for agents working at your company is a great way to motivate them to give their best effort. If they see you coming into the office several hours late each day or taking several days off each week, they aren’t going to be motivated to achieve the success that you’re hoping for. But if they see you being in the office when they get there and still being there when they leave for the day, they will be more motivated to put their best efforts into attracting more customers and selling premium policies.

Treat It Like a Real Job

While selling insurance is a great way to earn a living and provide for your family, it’s not the traditional job of working an 8-hour work day, getting a salary and calling it a day. Many agents get sucked into the idea being able to work short days and slacking off. But if you treat your agency like a real business and expect your agents to treat it like a real job, you’ll see them perform better and more effectively.

These …


How To Earn Money Fast – 2 Easy Ways To Make Money Online Revealed

If you are searching on the Internet how to earn money fast, highly probably is because you want to have more time, more freedom and more surety to live your ideal lifestyle, is not it?

Let me reveal my personal story as Internet Marketer. When I made the decision to earn money by Internet it was several years ago. At that time I could not certainly imagine how difficult and painful might have been to discover a real formula that will have guaranteed me a sustainable stream of income for the rest of my life. I have struggled for several years to find out this real formula by myself – reading this, listening that etc – until one beautiful day I made the decision to play really big in my online business. So I decided to invest a lot of money into the best coaching programs and mentors, in order to find really easy ways to make money online.

And so, my incredible journey has started with immediate results. Do you want to find out which astonishingly they were? Well, firstly I was able to generate a targeted traffic straight to my personal make money system, finally perfectly in place. Secondly, I was able to create magnetic and high catchy squeeze pages that have generated me hordes of qualified leads, willing to follow me and my advices and ready to buy my products and services. Sounds good? Thirdly I was able to grow my online business in the smartest and fastest way, and at the same time see a lot of money dropping directly into my bank account. Sounds really good, is not true?

Do you want to know how I did all this? Well, thanks to these two following phenomenal strategies. In fact, these only two priceless strategies could have brought me exactly these three things, the same things I'm sure you want, right?

1 – High Targeted Traffic;
2 – High Qualified And Warmed Leads;
3 – A Large Amount Of Money Directly In My Bank Account;

These only two strategies address you to really earn money fast. They are something that you will not find out by yourself. What I'm giving to you is priceless knowledge. Knowledge that many mentors and gurus have transmitted to me and that I have paid a large amount of money. You can have these successful strategies only if you pay big checks for their support and personal coaching. Now my friend, I want to give you both them completely for free.

The first one of the two easy ways to make money is called Solo Add. It will cost you some money but trust me, it is money really well invested. You get back a very high ROI (Return On Investment).

The second way is called Adswap. It's totally free and it's really powerful, because not only you will earn money by internet, but you will create infinite valuable partnership and infinite multiple streams of income from every single joint venture …


Make Money Online For Free – 3 Easy Steps to Using the Power of Rapport

The single easiest way to make money online for free (assuming you have a product or service to sell) is to harness the massive power of rapport. Simply put, rapport is the art of relationship building. Make no mistake about it, it is powerful and lasting. And the best part of all is that it does not cost you a dime to implement!

In the real world, you would establish rapport with someone by smiling, making eye contact and calling them by their name. The more naturally you can do these things, the more people will be irresistibly drawn to you. Do not believe me? Give it a try for a while and you'll be convinced.

Online however, you do not always get the benefit of face to face communication, so it's necessary to build rapport a little differently. So, to build rapport just follow these 3 easy steps:

STEP 1: Use your prospect's name.

Even though you can not smile or make eye contact, you can still use a prospect's name. You can see this in action every time you see an opt-in form that requests for your email as well as your name. There is a reason most of them ask for your name. It's because it's an extremely effective rapport builder.

STEP 2: YOU, YOU, YOU instead of ME, ME, ME!

In all of your writing, remember to write in a conversational tone. This means to limit your usage of words like "I, me, my, mine …" Instead, try to structure your sentences to use "you and your" as often as possible. This gives your prospect the feeling of being in a conversation with you. You should aim to use "you" words at least 7 times as much as "I" words in your online communication. This is a big rapport builder. It builds trust, and trust is a necessary ingredient if you want to make money online for free.

STEP 3: Tell Stories

I remember reading about a guy who struggled to make any money at all online until he learned this simple concept. He realized that as he began to tell more and more stories in his writing, his relationships (rapport) with his readers grow stronger and stronger. Not only that, he began to experience a tremendous growth in his income as well. Everyone is touched by stories, so the better you become at meshing stories with your marketing message, the better your results will be.

This last technique is so effective that in some circles it is referred to as "story-selling". That should give you some indication of the ability of story telling to make money online for free.

In summary, make sure to use these 3 easy rapport building techniques if you really want to make money online for free. They just might be more powerful than anything you can buy to promote your business.

1. Use your prospect's name.

2. Use "You" instead of "Me".

3. Tell stories. …