Breaking Into the Automotive Industry With Automotive Technology Courses

Automotive technology courses will give you the skills you need to turn your passion for cars into a steady, rewarding and long-lasting career. With very high employment rates, graduates of automotive technology courses can go on to apprenticeships in some of the most successful automotive repair and service facilities around the world.
Most automotive technology courses are intensive in focus, providing students with comprehensive training on all aspects of automotive repair and service. This training will cover all aspects of car repair, including extensive training in brake systems, differentials, transmissions systems, electrical systems, heating, air conditioning and fuel injections systems. A graduate of an automotive technology course will be provided with everything you need to be a successful automotive technician.
In addition to learning the nuts and bolts of automotive repair and service, automotive technology courses will train students for personal and workplace safety, professional protocol, performance standards, effective communication skills, and problem solving. With this kind of training you will have the tools you need to launch a rewarding career in the dynamic, fast-paced automotive repair industry.
Auto Tech programs often use a unique combination of classroom theory, demonstrations and hands-on instruction to provide comprehensive skills training and help you become an automotive repair and service expert. The very best of these courses benefit from strategic partnerships with high profile industry leaders and are able to provide students with extensive hands-on training on some of the best industry standard equipment around. Students in great auto tech programs will spend the majority of their study time in fully equipped automotive facilities with state-of-the-art technical and diagnostic equipment, such as:

• A chassis dynamometer
• Brake lathes
• Hand-held diagnostic scanners
• Engine diagnostic equipment
• Wireless wheel alignment analyzers

With hands-on training on all this equipment, you'll have the latest skills and knowledge to excel in any automotive repair and service environment. When you complete an automotive technology program, you'll be certified as an Inspector, and licensed to handle air conditioning refrigerants under your region's ozone depletion prevention program and regulations.
As a future automotive technician, it will be your responsibility to help to protect the environment through the safe and responsible handling of ozone depleting chemicals. In compliance with the government's mandatory certification requirements for all persons handling or repairing air conditioning systems. These certifications, a requirement for any auto tech job, will give you a definite edge in today's repair and service job market.

Automotive Logo Designs - Components Of Automotive Logo Designs

Automotive logo designs are probably one of the most stylish logos around. Cars, bikes and other similar stuff are incorporated in automotive logo designs to make them look classier and more eye-catching. Your automotive logo designs can benefit you by certain ways; it can setup a base for you to market your products well and to be recognized better. When creating automotive logo designs, the designer needs to pay attention to three factors which are (1) the objective to be achieved by the logo design, (2) should be according to the latest trend and (3) should be of high quality. Anyhow, the basic rule for designing good automotive logo designs is to relate it with your company.
For designing good automotive logo designs, you should take in consideration the following points:
Your automotive logo designs should relate to your business:
A basic technique to make your automotive logo designs look sportier is to associate it with automobile parts. Normally, the designers use the basic components of automobiles such as their wheels, handles, steering, etc. Also, you will find a large of number of automotive logo designs having images of cars and bikes in a very creative and amusing manner. For instance, automotive logo designs can have a tattoo type of design showing a car.
Color scheme used in automotive logo designs:
The colors which are normally used in automotive logo designs are mostly of an igniting nature. Colors like orange, fiery red, black, etc are used in automotive logo designs.
Fonts used in automotive logo designs:
Usually bold and big fonts are used in automotive logo designs. The reason is that the automotive industry is an amazing yet serious industry.

Is an Automotive Franchise for You?

Have you always had a passion for cars? And often thought of having your own business? The time is now to check out the many automotive franchise opportunities available with little start up investment and plenty of rewarding benefits. The number of franchises is increasing as more consumers realize the great earning potential and appeal of becoming a business owner. There are many automotive franchises available catering to various kinds of car maintenance, repair and sales depending on your individual preference and interest.
With franchise opportunities ranging from windshield repair, oil changes, auto parts and even automotive insurance, there is sure to be one that is right for you. While there are several considerations in determining which automotive franchise would be the most suitable, the benefits of purchasing your own franchise are clearly favorable. Just imagine how satisfying it would be to go to work each day knowing that you are your own boss and the business that you operate is your own.
Which Automotive Franchise is the One for You?
There are many factors that might be important as you decide if an automotive franchise is the kind of business that you want to purchase. If you enjoy the busy shop atmosphere and have a special interest in cars and the many aspects of the automotive industry, a franchise in which you can invest and build a solid, long-lasting business that is car-related, may be the one you are looking for.
As well as the general type of franchise, you may also want to know what kind of investment and initial start-up costs are associated with purchasing an auto franchise. Many of the top car franchises available require minimal up front costs. For example, a Novus Glass Windshield Repair franchise has initial investment costs starting at only $14,900. This is very affordable and provides limited risk when you consider the popularity of this kind of franchise and the potential business and profit as it grows over time. If you are more interested in automotive accessories, you could purchase a Millennium Plus franchise in which you become a GPS distributor with an initial investment of just $10,000 and you can even run your business from your own home!
While there are many automotive franchises available at very reasonable investment costs, there are also plenty of other franchises that offer solid and proven earning potential with the added assurance of owning your own business and boasting a brand name service. The initial start-up costs may vary but the decision to become a franchise owner puts you in a very advantageous position from day one. Since today's consumer often seeks businesses with familiar names and a good reputation, a franchise may be a wise investment since the brand name provides an immediate client base. Although there is definitely a great deal of work and determination necessary to build your franchise into a strong and thriving venture, you need not start from scratch as you would with a non-franchise business.
Other Important Considerations
Deciding on the particular auto franchise may be one of your first considerations but learning about various other aspects of having your own business may be just as important. Being a franchise owner has a number of benefits. From taking advantage of the franchise name, to the potential income potential, the benefits are many.
When you purchase an automotive franchise, you automatically access a complete and proven business operating system that covers virtually all aspects of operating that particular franchise. Essentially, the framework is already in place and the franchise will provide extensive instruction and support before, during and after your purchase. After all, it is their name and reputation that comes with your franchise and all legitimate franchisers want to ensure that your business represents their company in a strong and positive way. Their ongoing interest and training keeps you on top of the latest franchise information and up-to-date with any changes or new company initiatives.
Franchise owners pay pre-determined "royalties" to the franchisers depending on the size and income related to the car franchise. Before purchasing your own, make sure that you discuss all these operating details and get it in writing. Reputable franchisers will have no issues in providing this information and will be very willing to explain the system fully and answer any questions that you may have about any of the business aspects of your auto franchise. There are also some legal considerations as well and these should be reviewed carefully as you decide whether your own automotive franchise is the business for you.
Location is another consideration that may be crucial in determining if a car franchise is feasible as well. Some of the current franchises available may be operated from your own home. So you must decide whether you have adequate space and if it would be possible to run your own business with your home as central base. Some of the bigger franchises require a larger location that would not be appropriate as a home based business. Automotive franchises such as a Meineke Car Care Center or Eagle Transmission involve greater space requirements and significant amounts of equipment that would simply not be suitable for a business at home.
Something to Think About
Is an automotive franchise in your future? The benefits are clear as the strong base and proven potential for success in franchise ownership in the industry gains attention worldwide. Making the decision to purchase your own franchise is indeed a huge responsibility but it may also be the answer to your desire to experience business ownership and the ability to work for yourself.
Ultimately, an automotive franchise has many attractive features and it is definitely a franchise that could generate a significant amount of business since most consumers own or operate vehicles. So, the need is there. An automotive franchise may be a great way to tap into that earning potential. If becoming a business owner in the automotive industry appeals to you, a franchise may be exactly the way to a bright and profitable future!

The Best Car Deals - Low Finance Rates Vs Rebates - Which Should You Choose?

How To Get The Best Car Deals:
Quick tips that will help you at the car dealer:
How to understand Rebates and low financing offers:
Vehicle MSRP: Manufacturers Suggested Retail Price - This price is always negotiable - don't ever agree to pay MSRP
Exception: Some vehicles that might be "hard to find" or "limited in production" might be sold by the dealers at MSRP or, sometimes higher. This is usually called Market Adjustment.
Manufacturers Rebates: This is your money and has nothing to do with discounts given by the dealership. This money is given to you directly from the factory. Never let the rebate be used as a negotiation tool by the dealer. Any discount or negotiation from the dealer should be separate of any rebates offered.
Low finance rates: 0.00% 1.00% 1.9% etc... These are called Sub-vented rates, they too are offered by the factory and not the dealership. Do not allow a "low" finance rate to be used as part of a negotiation by the dealer. These rates are granted over and above any discounts, rebates, etc.
Exceptions: There are several exceptions to Sub-vented finance rates, but here are two that you really should be aware of:
1. Not all people qualify for these rates. So, if you suspect that you might have some issue that will cause you not to qualify, there is nothing wrong with expressing to the dealer that the low finance rate is something you are interested in, and you would like to apply first, before going through the long, timely steps of deal negotiation. Many dealerships will view this as unusual; however, any "good" dealer will be happy to let you submit an application first if you insist. Why is this important? As we always say, knowledge and preparation are the keys to not overpaying at a dealership. What happens if your entire deal is worked, negotiated and finalized with the dealer? Then you head over to the finance office to finalize the finance terms and payments... You expected to pay 0.00% interest, then at the last second you are told: "Sorry" because you don't qualify... NOT GOOD THE WHOLE DEAL CHANGES.
2. Rebates and "low" finance rates can not always be combined. Some factories allow it some times, however there is no rule; you must do your homework first. For instance, Chrysler offers manufacturers rebates on most their vehicles, plus they offer low finance rates on most vehicles as well. Though, you the customer must decide which offer you want, you can't have both. Although, sometimes Chrysler will run special offers that allow you to "combine" both the financing and rebate offers at once. But be careful, dealers won't always tell you that these offers are available, if you are unaware and you agree to pay higher finance rates, you are stuck.
Commonly Asked Question: Which is the right choice, Rebate or Low Financing?
This is an interesting question asked by many customers, the answer is simple yet many people have no idea.
Remember this rule: You should do what's best for you, do not ever inquire with a person, dealer, or anyone else that has any other motive than what's best for you.
What that means is this: When you ask a dealership which makes more sense, the dealer will likely tell you: "Take the rebate - not the low interest rate."
The reasoning behind this answer is, if you take the rebate you are actually paying "less" for the vehicle than if you elected the low interest rate. So, being that the vehicle price is the most important issue, you should always take the rebate. Is this correct or incorrect?
Rule: Don't be concerned what the dealer is making or losing, it's not relevant to what's best for you.
Does the dealership stand to gain more if you chose the rebate vs. the low finance rate? The answer to that question is yes, the dealership does stand to gain more. They receive a little more in "reserve money" from the lender if you chose conventional finance rates. The fact is however; that this point is completely irrelevant. Who cares what the dealership is making? Why is that important anyway? Is there some rule that says a dealership is not entitled to make profit? The only person who is doing something wrong in this scenario is you. You're asking the wrong party for information. If the complete and honest answer might cause the dealer to make less, chances are more than likely the answers will be carefully weighed to fall on their side.
Remember: Your concern is getting the best deal for you, don't waist time caring about what the dealership makes. Prepare yourself by considering all the facts. Do not make the common errors of all the people we constantly heart about who over pay all the time.
Fact: People who think that dealerships are losing money on them are usually the ones who pay the most!
Note: Please understand the purpose of this and every other post we write is NOT to condemn dealerships for making profit. Why should a dealer not be entitled to profit? What right do we have to ask them to lose money? Would you ever go to a restaurant and tell them that you insist they sell you dinner and lose money? It's a stretch, but equally as ridiculous.
The purpose of this post is to assist fair people in getting the best deal for themselves. Protecting people from being "ripped off" by a deceptive dealership is our motivation. We don't claim that all dealers are unfair or "rip off artists", in fact we are aware that most dealers are honest and forthcoming. Although, everyone is in business to make a profit and the topics written about within these posts are for the purpose of assisting "fair" consumers achieve "fair" and honest deals. Why do we keep mentioning "fair". Because equal to us having no concern about a cheating dealership, we also have no concern about the "unfair" consumers who want the good dealers to close down their business and lose money.
"A GOOD DEAL IS WHEN BOTH PARTIES ARE SATISFIED"
As we have mentioned so many times; price is not always the most important issue.
The following is the one and only correct answer to the Rebate vs. low rate debate:
With any issue that causes you to make a decision there are always certain facts in place, those facts make up the "pros and cons". With any decision we make, we weight the pros and cons and ultimately are lead to a decision. Then of course, we hope that decision was the right one.
Remember this rule: There is always a point where the two lines will cross, that point is where you will find the correct answer.
This means; there are variables that create change in every deal. For example: It may be a better deal for me to take the rebate, while it is a better deal for you to take the low financing rates. Let's explain:
You might be financing $30,000 and your finance term is 60 months. The Factory is offering a $3000 manufacturers rebate or 0.00% for the 60 month finance term. Which do you choose?
I might be financing $12,000 - The factory is offering a $3000 rebate or 0.00% for the finance term. Which one do I choose?
Obviously the answers vary; your lines of "break even" will obviously cross way sooner than my lines. The reason: different factors in the two deals will yield different answers.
Here's how you figure out the correct answer based on your factors:
For this example we'll assume that you are considering a $30,000 car with $3,000 rebate or a 0% interest rate, and for the sake of finding an answer, we'll assume that you're putting $3,000 a down payment and you qualify for all offers.
First: Draw a line down the middle of a piece of paper; on one side write Rebate on the other side write 0%
Second: on the 0% side write in the sale price of $30,000 - and on the left side (rebate) write in the sale price of $30,000 as well.
Third: On both sides add in your local tax rate. For instance: if you live in Queens NY add 8.25% as sales tax.
Fourth: on both sides add $300 - this should cover DMV - Inspection and dealer Doc Fees.
Fifth: On both sides - subtract $3,000 for you down payment
Sixth: On the rebate side subtract $3,000 for the rebate
If you did this right, so far you should have the following results:
Both sides: should show Sale Price $30,000 Tax $2,475. DMV $300. Sub Total: $32,775
Rebate Side Should show $6,000.00 Total down payment and an "unpaid balance" of $26,775.00
The 0% side should show $3,000 Total Down Payment and an "unpaid balance of $29,775.00
Assumption: If you chose not to take the 0% - the dealer offered you a 5.5% interest rate.
Compare to see where the lines cross:
Next step - find an auto loan calculator - you can go on any search engine type in "free auto loan calculator"
I am not able to attach a link to this area of the post so I will simply suggest a very user friendly, free calculator (which we have no affiliation) is chase.com just search:
"Free chase auto loan calculator"
Calculate:
REBATE SIDE
$26,775 Amount Financed
5.5% APR
60 Month Term
Answer: Payment $511.43
Total Interest: $3,910.80
Total of Payments $30,685.00
0% SIDE
$29,775.00 Amount Financed
0% APR
Answer: Payment $496.25
Total of Payments $29,775.00
Summery: On your deal, 0% came out to be $910.80 less than the REBATE, so obviously the better deal for you is 0%.
On my worksheet, using the same method, it turned out that the rebate was quite a bit more of savings, (only because I was financing much less) if I chose to finance more money perhaps the lines would cross sooner.
Final notes to remember:
1) If you choose to lower or raise you down payment and lower and raise your amount financed, the out come of "which one" is a better deal will vary. So, keep testing the different scenarios using the method provided above and you will find the best deal for you. Every time!
2) Be careful - No rebate is final, while low financing isn't: Keep in mind this very important consideration: If you choose low financing over the rebate - essentially you just paid more for the vehicle and you can't get that money back. However, you chose to do so in return for free financing terms. (Very smart) You did your homework, you made your decision based on solid factors and you made the overall least expensive decision. EXCELLENT WORK! Though, you must remember you made this comparison based on a 5 year repayment term. If you keep the vehicle for 5 years, and pay as expected you win, your calculations were perfect and you achieved the best deal for you. On the other hand, if something changes and for any reason you decide that you are not going to keep this vehicle beyond the second or third year... Then, you just gave back the benefit of the low financing. The variables have changed once again and the better deal swings back to the rebate. So remember, in the privacy non pressured environment of your own home; carefully consider all your options and likelihoods. For instance, if you know you don't keep a vehicle beyond a couple of years, this must be included as a decision factors.
Long story short: Always compile all the facts first, limit the variables that can change the deal and negotiate with confidence.

The author of this article is an auto industry professional for the past 18 years. Robert has extensive knowledge in automotive finance and specialty automotive finance (bad credit). Having worked as a finance and special finance manger for dealerships in the New York metropolitan area since the early 90's Robert has assisted thousands of clients in achieving auto mobile loans with "less than perfect" credit.

Yahoo! Finance - What Sets This Finance Website Apart?

"What Obama Must Say Tonight," "10 Tax Moves to Make in 2010," and "Ailing Banks Favor Salaries Over Shareholders," are all examples of the dozens of articles that could be found today at Yahoo! Finance. Yahoo! Finance is a finance website that offers lots of free information and tools all related to finance. There are many websites today that offers resources and tools related to personal finance and investing, so what does Yahoo! Finance have to offer?
*Free- Although there are some services available for a fee, accessing the Yahoo! Finance website is free and so is the use of many tools.
*Personalized Updates- If you choose to set up an account, you can get personalized updates when you log on about stocks or companies that you're interested in.
*Up to Date- This is one of the best things that sets Yahoo! Finance apart. Market indexes and updates are updated frequently and the "news" is fresh.
*At a Glance- You can see Market index averages for the day including the DOW, NASDAQ, S&P 500 and more, as well as graphs showing the trend in these averages for the most recent working day.
What's Up at Yahoo! Finance?
In addition to the Yahoo! Finance home page, you can find helpful pages on:
-Investing
-News and Opinion
-Personal Finance
-My Portfolios (if you choose to organize your financial information here)
- A Tech Ticker
On the Investing Pages at Yahoo! Finance:
Find out about "Today's Markets," including recent earnings statements, recent stock splits and more.
Mutual Funds, Stocks, ETFs, Options, Industries and Currencies are all explored furher. Find research, converters, calculators, articles and more.
You can also learn more about world stock index levels, world news and exchange rates are under "International."
"Research and Education" offers a business term glossary, personal tutorials on finance and investing and more.
Of course Yahoo! Finance also offer "Community," a section where you can chat, ask questions or join groups.
On the Personal Finance Pages at Yahoo! Finance:
Get your personal finances organized at "Banking and Budgeting." Free trials of online bill pay are available. Frequent offers include free for 6 months and $4.95 thereafter.
More under Personal Finance...
*Insurance
*Taxes
*Loans
*Real estate
* Family and Income
*Retirement
On the News and Opinion Pages at Yahoo! Finance:
Look for articles on...
*Industry news
*New technology
*Top picks by experts
Creating a Yahoo! Finance Account:
Creating an account at Yahoo! Finance is easy and free. Once you've created an account, you can personalize your logon so that the information that is important to you will be displayed including stock prices and relevant news pertaining to companies you are interested in.
The Perks of Yahoo! Finance:
Yahoo! Finance visitors and members enjoy that there's so much financial information in one place and that the articles and financial charts on Yahoo! Finance are kept up to date. They also like that so many of the services available are free. Visitors also applaud Yahoo! for having limited ads.
Popular Tools at Yahoo! Finance:
There are rate charts and calculators for Mortgage, Home Equity, Savings, Auto Loans and Credit Cards for fixed loans and ARMs. You can see rates across the country as well view rates in your area.
What's not to love about Yahoo! Finance?
While many users like the non-nonsense format at Yahoo! Finance, others find the finance web sites look to be drab, boring and unexciting with little more than two colors, black and blue, a limited photos.
Still, Yahoo! Finance is recommended as a finance website that has a lot of helpful tools and resources that are well organized, up to date and more than not, free.

The New Rule For Buying a Home - Using Owner Financing

The American Dream; what does it mean to you? People have different jobs or hobbies or passions in life, but one constant remains the same among all of us, and this common thread that unites our dreams is that of Home Ownership! Unfortunately, in this current economy, achieving the dream of home ownership is becoming more difficult than any time in recent history. Too many Americans are following the unwritten rule of home ownership that tells us to 'Find a Realtor and Get a Bank Loan'. In past economies, with thriving job markets, lower inflation, and less credit restraint, that 'rule' may have made sense to follow.
But our current economic system is making it difficult for the average person to achieve the American Dream of Home Ownership. In times of unstable job markets, with double digit unemployment forcing people to become self-employed to make a living, the banks are requiring a W-2 stable job history in order to issue loans. In times of a great credit crisis, the banks are requiring stricter credit scores than most people are able to achieve. Fewer and fewer honest, hard working Americans who are used to following the 'traditional rules' for owning a home are having the opportunity to own their own homes.
What if you could achieve the American Dream of Home Ownership without the assistance of a bank?
The purpose of this document is to allow motivated home seekers an opportunity to write a New Rule of Home Ownership that allows you to declare your freedom from the services of a Bank in order to partake in your piece of the American Dream of Home Ownership!
In order to understand the New Rule of Home Ownership, let's take a closer look at the existing rules of purchasing a house with Traditional Bank Financing.
The first part of the Traditional Bank Financing focuses on Qualifying for a Loan. While many different loan packages exist, the most common loan written in today's market is an FHA Loan, and therefore, we shall use their guidelines as an example. The following are guidelines for an FHA Loan:
o FHA Loans require a minimum credit score of 620 to be eligible for a loan
o FHA will require 3.5% down on the home. This down payment MUST come from your account. You are not allowed to borrow from friends, family or anyone else. You must document where the funds for the down payment came from. Specifically, the source of the down payment must be from your personal checking, savings or retirement account and CAN NOT be borrowed!
In order to work with most Realtors, you must first get pre-approved for a bank. Many Realtors won't even show you a house unless you can prove that you are able to afford and receive financing for the property. This painful process of pre-approval from a bank can take 2-3 days and involve the following steps:
o Proof of Creditworthiness
o You must provide 2-4 years worth of tax returns!
o You must provide your last 4 pay check stubs if you are an employee or an updated Profit and Loss statement if you are self-employed, a business owner, an independent contractor or entrepreneur. However, if you cannot show a consistent pay stub as proof of income, then you may want to skip ahead to the part of this document where 'Owner Financing' is discussed, as you will find it increasingly difficult to qualify for a mortgage.
o Your bank may require you pay off other debit to help improve your credit score to qualify for the loan
o And the worst part... this proof of creditworthiness is done throughout the entire home buying process! Even once you qualify and pick out the home of your dreams; underwriters at the bank will have you go through the same process to make sure you still qualify.
Now that you are pre-qualified for the home of your dreams, you may finally begin the process of working with a Realtor to find your new home.
Once you've found your home, the Traditional Banks will want an inspection performed on the home and may require the seller to fix EVERYTHING for the bank to finance your loan. Some people just want a small discount on the house and they will do their own repairs however, many times a traditional bank will not allow you to do this! These small fixes may add to the total price of the house.
Also, expect to pay Realtor fees, bank fees, filling fees, "point buy down" fees, loan origination fees, closing costs, title fees, surveys, appraisal fees, and anything else imaginable for which to be charged. Though many of these fees can be rolled into your loan, over the long term, you may be paying an extra 10% in unnecessary Financing Fees that are loaded into your loan!
What if there was a quicker, easier, and less intrusive way to take your share of the American Dream? What if you could look at homes without having to pay a Realtor fee, pre-qualify for a loan, and go through a 3 month home buying process? After all, we ARE in a BUYER'S market in Real Estate, so why shouldn't we be able to buy?
Consider the possibility of declaring a New Rule. Instead of working with (and paying for) a Realtor, why not work with the Seller directly? Especially if that seller is a Professional Real Estate Investor who is not only willing to sell the house in a quick and simple matter, but is also will to FINANCE the sale of the house on a short-term basis!
Earlier in this eBook, we went over the process of the Tradition Bank Financing. Now, we shall detail the 7 Easy Steps of Purchasing Your Home with Owner Financing:
* Contact the Seller of the Home without having to pre-qualify for a loan and look at the home to decide if you want to purchase.
* Settle on a price
* Agree to a down-payment and interest rate
* Once you've agreed to a price, down payment, and interest rate, complete a Deposit to Hold form and pay this 1% fee applicable to the sales price of the property. This fee will take the property off the market while you are closing on the home.
* Fill out credit application; provide 2 most recent paycheck stubs and bank statements as proof that you can afford the monthly payment.
* (Optional) If you chose, you can order your own home inspection to review the condition of the home
* Close in 2-5 business days
Buying a home from a Professional Real Estate Investor is quick and easy. Once you have settled on the price and monthly payments, you have minimal paperwork to complete and can close on the transaction within one week! The following is a summary of some of the benefits of Owner Financing compared with Traditional Bank Financing:
* In many cases, there is no minimum credit score required
* Instead of 10% Traditional Bank Finance Fees / Closing Costs, your Owner Finance Fee averages to 5% of the transaction.
* Unlike Traditional Bank Financing, your down payment for Owner Financing may come from almost anywhere (as long as it is a legal way to raise the funds). You can borrow the money from family, friends, others. There are also some tax incentives for you to use part of your retirement savings. Either way, with Owner Financing, you are allowed to raise your own down payment as you see fit!
* You and the Owner Finance Seller will agree on a time to "close" on the home and may close within 5 business days!
* Your Owner Finance loan is dependent on your down payment and ability to pay the monthly payment and NOT on your credit or having a W-2 Job. Therefore, Business Owners, Entrepreneurs, Independent Contractors, and the Self-Employed may qualify for Owner Financed Homes!
* You are not required to provide extensive documentation to obtain your loan
Due to the efficiency, simplicity, and cost effectiveness, you can see why buying directly from an investor with Owner Financing is the New Rule for Buying Homes. Owner Financing interest rates may be a little higher than market price when you initially purchase your home, however, this higher rate, along with a sizeable down payment, will actually help you obtain conventional financing at a lower rate down the road when you decide to refinance!
A good way to look at Owner Financing is that is a solution to buying a home with short-term financing. Once you have paid your Owner Financed note on time for say 12-24 months, it's easier to refinance your existing note with a traditional bank loan at a lower interest. It's much quicker, easier, and less intrusive to refinance a home into traditional financing then it is to purchase a home with traditional financing!
The following example will detail the process and the costs of owner financing:
o John chooses to purchase a beautiful home for $150,000 with a traditional bank loan. John's credit score is 590 and the bank will not loan him any money until his credit score is at least 620. John understands the importance of owning a home and wants to buy something now.
o John finds a home that is being offered for $150,000 with Owner Financing. John has $15,000 to put down and wants to close in 5 business days. John's new loan is at an 8.5% rate for 30 years and the sellers would like John to refinance his loan in 24-36 months. John's monthly payment is $1,350 and it includes Principle, Interest, Insurance, and HOA fees. John is happy because he can afford $1,350 per month and is able to take his part of the American Dream!
o As John pays on time for, say, 24 months, John has an excellent payment history with his current lender. John will also need to be working on his credit in those 24 months to raise his score to the current minimum of 620.
o When John approaches a traditional bank John will be able to demonstrate the following:
o John's $15,000 down payment shows that he has 'skin in the game' and is not just going to bail on his house payments
o John CAN afford and has been paying $1,350 a month at a 8.5% rate for his loan
o John's credit score is now above the minimum required 620
o If John can afford $1,350 a month at 8.5% interest, John can easily afford a $1,100 a month payment at 6.5%!
It is much easier to refinance a loan rather than trying to get a loan for the original financing! Since you are already in the house, there is no inspection required, no lengthily closing procedures and there is no longer all that extra red tape that is associated with buying a home with traditional financing!
As you can see, purchasing with Owner Financing can be easily done and quickly closed for those who cannot use a traditional bank loan but deserve to own a home now.
Summary
In today's market, due to tough economic times, there are many people selling their properties. Yet, despite the fact that this is a 'buyer's market', it is tougher to buy a home with Traditional Bank Financing than ever before. Following the old, unwritten rules will lead you to a long and unhappy life in an apartment complex. Motivated home seekers looking for their piece of the American Dream are unable to achieve this great promise by traditional and conventional means due to stringent lending requirements initiated by the very same financial institutions that gladly took over 1 billion of our tax dollars to bail them out! Banks tightening up on their lending practices is causing a shortage of homebuyers in the market. This is one of the biggest reasons that real estate values continue to free fall because there are not enough people who can qualify for available homes while following the unwritten rules.
Inspired home seekers, looking to break away from the old rules and ready to write his or her own New Rules to Home Ownership will be able to take advantage of this buyer's market, and with Owner Financing, you will see more and more people purchasing homes. If you are in the market to buy a home however, you cannot qualify for a traditional loan, I strongly recommend you contact a company that specializes in Owner Finance Homes.
Stop drowning in the current economy and create your own American Dream!

Acquire Health and Fitness With Fitness Equipment

A successful muscle building with proper diet and exercise promotes health and fitness. People, who suffer from weight problems, adopt different types of exercises in their daily routine with fitness equipment. It helps in mental focus and discipline. But if you don't have proper nutrition diet then your body will not react to any sort of exercise. Your body will not go in muscle building state if your body lacks in proteins, carbohydrates, water and fat.
A good diet and regular exercise could lead to healthy skin, healthy body, healthy mind and a healthy life. As its is said that prevention is better then cure. So its always better to have a healthy diet and workout then deal with all the health related issues. These are the four elements that are necessary for proper health and fitness.
Protein:
It is the most important element of nutrition for body building. Your body needs to consume approximately 0.5-1 grams of protein per pound of body weight. For example: beef, egg, chicken or pork etc.
Carbohydrates:
Carbohydrates (carbs) help to maintain energy level in your body. Lack of carbohydrates, consumes the muscle tissue to maintain energy levels. When it comes to the endless consumption of it, people with low body fat take the advantage. They can take all and gain rarely. In order to build muscles, you may need 4 grams of carbs per pound of body weight. People with higher body fat will likely to require only 1 or 2 grams of carbs per pound of body weight to gain muscle.
Water:
Your body needs to be hydrated every time. If you're dehydrated then there is no reason to focus on proper nutrition. Your muscles and digestive system need water to get the job done.
Body Fat:
If the percentage of body fat is low, it means that your body is not getting enough extra calories to produce fat. Calorie consumption in body helps to building body muscles.
Research well before you decide upon any thing related to your health. Whether you are a beginner or have already started with your exercise routine, you can consult a certified personal trainer or a fitness expert for more information. The latest buzz is the Fitness equipment that is helping a lot in every age.

Health and Fitness - Buying Used Fitness Equipment

If you are dedicated to your health and fitness, but are sick and tired of the time it takes to work out at the gym you might want to look into getting used fitness equipment for your home. With the right knowledge you will be able to find equipment that is in perfect condition, for a fraction of the price.
With the economy the way it is right now if you are going to buy anything you should be buying it at a discount. These steep price reductions are available because most people are selling off anything in their home, they aren't using, for extra cash. On websites like E-Bay, Overstock, or Craig's List you should be able to find just about anything you need.
There are also people who have defaulted on their finance payments for their fitness equipment. You can assume or pay off their balance to get their used machines at a steep discount.
Buy Only What You Need
Let's face it. Some of the fitness equipment out there is a bit ridiculous. You don't need half of the stuff commercials try to sell to you. What is important is that you value your own health and fitness.
Otherwise you are wasting your money, time, and space in your house or apartment. So make sure you have a solid commitment to health and fitness before you make your purchase.
For cardio workouts treadmills, rowing machines, bikes, and elliptical machines work great. You really only need one in your home to get the cardio you need so pick the machine based on the workout you enjoy doing the most.
For heavy lifting or toning of the entire body a simple used resistance machine, like the Total Gym or a Bowflex are all you need. Good workout benches, dumbbells and free weight sets are also easy to find.
Try It Out First
If you are unsure as to what kind or type of used fitness equipment you would like for your home then you should go to the gym and try some out and see what you like. Remember to make sure that it is a machine you are going to have fun using over and over again. Then look on-line and see what is available.
Also remember that most used fitness machines don't come with a warrantee, or if they do it is generally short, so you are often stuck with what you buy once you get it. Try to find some customer reviews of the product before you buy it to see if there are common problems associated with it.
Is It Going To Fit?
Believe it or not, some people don't take into account the space that is needed for fitness equipment and end up with something they don't have room for. Most fitness equipment is also quite heavy so make sure that your floor is going to be able to handle it.
If you follow the above recommendations you should be able to find the used fitness machine(s) you need. Once you have one in your home you will find that staying focused on your health and fitness is easier and more convenient.

Health and Fitness in Law Enforcement

The Health and Fitness in Law Enforcement is very important to those who work in the law enforcement branch. This can help you achieve good and healthy body. Good health is more important to be physically and emotionally fit. You must never abuse your body in every matter which not important. There are a lot of people abusing their body thus affecting their health by not taking in proper nutrition and doing physical fitness.
Health is highly important, thus you should get involve in any health and fitness in law enforcement. Attending the program will keep your body healthy and make you pass the physical exams every time. Healthy body is very important for you to perform your work. This health program is very useful to law enforcement professional especially in the performance of duty or in during the call of duty.
Being in the law enforcement requires good nutrition and healthy body. You should have physical strength to perform your tasks in your job. Enough knowledge and skills to perform properly is also required. A health and fitness in law enforcement is aimed for people in the law enforcement industry. You must have enough knowledge and the ability to do this work clearly and professionally. Always maintain your body healthy and eat food that rich in calcium, iron, protein and vitamins aside from getting into the fitness program in law enforcement. Good posture is a good result that you can get from this fitness program.
Most fitness experts and fitness system contributors have pitched in every idea into the health and fitness law enforcement program. You can also ask them to develop personalized program for you if desired. Especially if you need more work in order to be fit. This is a good vehicle for you to achieve the idea body that you want. Being fit gives you confidence and makes you feel comfortable with your body.

Insurance - All the Basics

What is insurance?
Insurance is a means of providing protection against financial loss in a great variety of situations. It is a contract in which one party agrees to pay for another party's financial loss resulting from a specified event.
Insurance works on the principal of sharing losses. If you wish to be insured, against any type of loss, agree to make regular payments, called premiums, to an insurance company. In return, the company gives you a contract, the insurance policy. The company promises to pay a certain sum of money for the type of loss stated in the policy.
History
Insurance is thousands of years old. The Code of Hammurabi, a collection of Babylonian laws of 1700BC, is believed to be the first form of credit insurance. A borrower did not have to repay a loan if personal misfortune made it impossible to do so. Insurance as we know it today can be traced to the Great Fire of London in 1666, which devoured 13,200 houses. In the aftermath of this disaster, Nicholas Barbon opened an office to insure buildings.
Types of Insurance
Insurance generally covers situations involving pure risk - that is, situations in which only losses can occur. Such situations include fire, floods and accidents. People also buy insurance to cover unusual types of financial losses like, a dancer might insure her legs against injury. There are mainly three types of insurance policies sold:
1. Life Insurance
A life insurance policy provides that the insurance company will pay a certain amount when the person dies. This may be paid in a lump sum or in installments to the beneficiary [people named by the policyholder to receive the death benefit]. Some types of life insurance policies also enable policyholders to save money. Such policies have a cash value. A policyholder may borrow money against the cash value or surrender the policy for its cash value.
Annuities
These are savings plans sold by insurance companies to provide a fixed and regular retirement income. If the annuitant [owner of the annuity] dies before receiving the guaranteed number of payments, the insurance company must continue the payments to the beneficiary.
Dividends
Some insurance policies refund part of the premiums in the form of dividends. Such policies are called participating policies. An insurance company pays dividends if the money it collected in premiums exceeds the amount needed to pay benefits and administrative costs. Dividends may also include a share of the profits the company earned on investments made with premium funds. Dividends are most commonly paid on life insurance.
2. Private Health Insurance
Health insurance pays all or part of the cost of hospitalization, surgery, laboratory tests, medicines, and other medical care. The rising cost of medical care has increased the need for adequate health insurance. You could suffer a major financial hardship without such coverage, especially in case of a serious illness or accident.
Dental insurance is one of the fastest-growing types of health insurance. It helps pay for a wide variety of dental services.
3. Property & Liability Insurance
Individuals and businesses buy property and liability insurance to protect their assets against financial loss. Property insurance provides direct compensation if a policyholder's possessions are damaged, destroyed, or lost as a result of perils. Liability insurance protects individuals and businesses against possible financial losses if their actions result in bodily injury to others or in harm to property owned by others.
The main types of individual coverage are:
o Homeowners Insurance
This provides protection against losses from damages to an owner's home and its contents.
o Automobile Insurance
This is the most widely purchased and most important kinds of insurance. Drivers are legally responsible for any costs arising from accidents they cause. This insurance protects a policyholder against financial losses from accidents.
Financial viability of Insurance Companies
Financial stability and strength of the insurance company should be a major consideration when purchasing an insurance contract. An insurance premium paid currently provides coverage for losses that might arise many years in the future. For that reason, the viability of the insurance carrier is very important. In recent years, a number of insurance companies have become insolvent, leaving their policyholders with no coverage (or coverage only from a government-backed insurance pool with less attractive payouts for losses).
How Insurance Is Sold
Most insurance companies sell policies through agents. Exclusive agents are employees of an insurance company who sell only that company's policies. Independent agents sell policies for several companies.

6 Factors that Could Affect Your Auto Insurance Premium

When it comes to car insurance, many consumers have no idea what insurers look at to come up with the almighty premium amount. But believe it or not, insurers don't pull your auto insurance rates out of thin air.
To help you secure the lowest possible insurance rate, it's important to learn about the factors that could be affecting your premium--and how to use those factors to tip the scale in your favor!
Factor #1: Your Driving Record
It's probably no surprise to you that insurers look at your driving record. They do so to gauge or estimate the risk to insure you. But what exactly are they looking for? Insurers will scan your driving record for at-fault accidents, traffic violations and claims made, usually within the last three to five years. If you've received marks against your driving record, you can bet you'll be paying more for your auto insurance.
The good news: Marks against your driving record usually fall away in the eyes of your insurer after three years. You can avoid being penalized for a less than stellar driving record by driving as defensively as possible and avoiding filing small claims (such as those for hail damage) and paying for the repairs yourself.
Factor #2: Previous Insurance Coverage
If you're applying for car insurance under a new insurer, your prospective agent will almost certainly look into your previous insurance coverage. He or she will want to know if you paid your premiums on time, how many claims you filed with your old insurer, as well as any other problematic behavior that would increase your risk to insure.
Any red flags in previous insurance coverage will likely result in an increased insurance rate. And unfortunately, if you've not been previously insured, you may pay more car insurance until you establish an insurance history.
The good news: You can avoid these penalties in the future by paying your premiums on time, avoiding filing small claims and maintaining a respectful relationship with your insurers.
Factor #3: Your Credit History
According to a recent study by insurance research firm Conning and Company, 92 percent of the nation's 100 top insurers are factoring credit history into auto insurance premiums.
And while insurers are looking directly at credit scores, they're more interested at how you've used your credit in the past. Insurers will look at the length of your credit history, the amount of revolving debt you have and any collections or late payments to form an insurance score.
And while critics and consumers alike accuse insurers of using credit-based scoring as an excuse to inflate auto rates, there's a surprising amount of statistics to back the use of insurance scoring. In fact, studies have found that consumers at the bottom of the credit pool file 40 percent more claims that consumers with good credit. Insurers also use your credit history to judge the likelihood of paying your premiums on time. It's for these and other reasons that insurance scoring is most likely here to stay.
The good news: You can improve your insurance score by paying your bills on time, paying down high existing balances (such as those on credit cards), and having your car insurance premium automatically withdrawn from your account every month.
Bonus tip: Insurers tend to grant discounts for customers with automatic bill pay!
Factor #4: Geographic Location
Can insurers charge you more because of where you live?
Yes.
Statistically speaking, metropolitan areas see greater incidents of car accidents, theft and vandalism. These factors increase the risk that an insurer takes to cover you. Thus, if you live in the city, you may pay more for car insurance than if you lived in a more rural area or suburb.
The good news: While your premiums may go up in urban areas, you can score discounts if your car is kept under a carport, garage or parking structure. Make sure your agent knows of these safety measures--including any electronic theft deterrents in your car.
Factor #5: The Car in Question
It comes as a surprise to most that a brand new car often costs more to insure than one that's been around the block a few times.
How is this possible?
With all airbags and anti-theft devices in new cars, you'd think your premium would go down. But the fact of the matter is that newer cars can be more expensive to repair and replace--which will increase the amount you pay to cover the car.
The good news: Don't discount discounts! If your car has multiple air bags and other safety features, make sure your agent is aware of all of them. And you can avoid premium surprises in the future by getting an estimate on your insurance before buying that luxury coupe.
Factor #6: Use of the Car
Believe it or not, your insurer cares how much you use your car and what you use it for. While this may seem relatively unimportant, to an insurer, the more you're on the road, the greater your chances of getting into an accident--which translates to an increased risk for the insurer.
The good news: Okay, there's not much you can do about this one. Living closer to work should save you a couple bucks, but if that's not an option (and sometimes it isn't), make up for any rate increase by asking about additional discounts, cash incentives and rebates. Chances are good that your insurer won't bump your premium up much for this anyway.
An Educated Consumer is a Powerful Consumer!
While the final decision about car insurance rates ultimately lies in the hands of the insurer, using the tips above can help tilt the scales in favor of the consumer.
So get your cheapest car insurance premiums by educating yourself on the factors mentioned above. And remember, different insurers may use these factors in varying fashions--so shop around and obtain multiple quotes to find the cheap auto insurance you need!

Insurance for Your Business

The importance of insurance cannot be over-emphasized and neither can the danger of paying for insurance you don't need. It is strongly recommended you solicit the advice of an in-dependent business insurance agent. Don't forget to SHOP! Talk to three or four independent agents and compare notes and prices. An insurance agent will lay out a vast array of insurance coverage much of which you simply may not need. Your situation will be unique and you must consider each insurance element carefully to ensure comprehensive coverage.
Whatever your final insurance program looks like, you should review it at least every six months. Your business can change rapidly, especially in the first few years and insurance needs change with it. Keep your program up to date by calling in your agent and reviewing your coverage. Make changes where necessary.
LIABILITY INSURANCE
This is probably the most important element of your insurance program. Liability insurance provides protection from potential
losses resulting from injury or damage to others or their property. Just recall some of the big cash awards you have read about that have resulted from lawsuits concerning liability of one kind or another and you will understand the importance of this insurance. Your insurance agent can describe the various types of liability insurance coverage that are available. If you will end up with a comprehensive general policy, make certain that the general policy does not include items you don't need. Pay for only the insurance you need. For example, your business may not need product liability insurance.
Do not confuse business liability coverage with your personal liability coverage, both of which you need. Your personal coverage will not cover a business-generated liability. Check to be certain.
Compare the costs of different levels of coverage. In some cases a $2 million policy costs only slightly more than a $1 million policy. This economy of scale is true with most forms of insurance coverage. That is, after a certain value, additional insurance becomes very economical.
KEY PERSON INSURANCE
This type of insurance is particularly important for the sole proprietorship or partnership where the loss of one person through illness, accident, or death may render the business inoperative or severely limit its operations. This insurance, although not inexpensive, can provide protection for this situation. Key person insurance might also be necessary for others involved in your business.
SGC was a small firm run by three partners, a software programmer, marketer, and a general manager. Their product was a complex computer program used by aerospace firms. Al, the programmer, was involved in a severe automobile accident, became totally disabled, and SGC lost their programming capability. The problem was that the computer program written by Al was essentially the company's sole product. Modifications to accommodate the customer became impossible and the time to bring another programmer up to speed was excessive. SGC lost considerable business as a result of this situation. These losses could have been offset by key person insurance.
DISABILITY INSURANCE
You, as a business owner, should be covered by disability insurance whether or not you decide on key person insurance. This insurance, along with business-interruption insurance, described below, will help ensure your business will continue to operate in the unfortunate situation where you are unable to work. Your disability insurance policy needs to provide satisfactory coverage. Particular attention should be paid to the definition of "disability," delay time until payments start, when coverage terminates, and adjustments for inflation.
FIRE INSURANCE
Fire insurance, like all insurance is complicated and you should understand what IS and IS NOT covered. For example, a typical fire insurance policy covers the loss of contents but does not cover your losses from the fact that you may be out of business for 2-months while your facility is rebuilt. Fire insurance is mandatory whether you're working out of a home office or you have a separate facility. You should discuss a comprehensive policy with your agent. Take the time to understand the details. For example, will the contents be insured for their replacement value or for actual value at the time of loss?
Consider a co-insurance clause that will reduce the policy cost considerably. This means that the insurance carrier will require you to carry insurance equal to some percentage of the value of your property. (Usually around 85%.) With this type of clause it is very important that you review coverage frequently so you always meet the minimum percentage required. If this minimum is not met, a loss will not be paid no matter what its value.
If you are working out of your home, your existing homeowner's policy may not cover business property. If this is the case, have your insurance agent to add a home-office rider to your policy.
AUTOMOBILE INSURANCE
You probably already have automobile insurance but it might not include business use of your vehicle. Make sure that it does.
WORKER'S COMPENSATION INSURANCE
If you make the decision to hire employees, you will be required, in most states, to cover them under worker's compensation. The cost of this insurance varies widely and depends on the kind of work being performed and your accident history. It is important that you properly classify your employees to secure the lowest insurance rates. Work closely with your insurance agent.
BUSINESS INTERRUPTION INSURANCE
This protects against loss of revenue as the result of property damage. This insurance would be used, for instance, if you could not operate your business during the time repairs were being made as a result of a fire or in the event of the loss of a key supplier. The coverage can pay for salaries, taxes, and lost profits.
CREDIT INSURANCE
This will pay for unusual losses as the result of nonpayment of accounts receivables above a certain threshold. As with all policies, you must thoroughly understand the details so discuss it with your insurance agent. One of the largest providers of this coverage is American Credit Indemnity, Baltimore, MD. (800) 879 1224.
BURGLARY/ROBBERY/THEFT INSURANCE
Comprehensive policies are available that protect against loss from these perils, including by your own employees. Make certain you understand what is excluded from coverage.
RENT INSURANCE
This policy covers the cost of rent for other facilities in the event your property becomes damaged to the extent that operations cannot continue in your normal location.
DISABILITY INSURANCE
This insurance will pay you an amount each month slightly less than your current salary in the event you become disabled and are unable to work. Cost for this coverage varies considerably depending on your profession, salary level, how quickly benefits start, and when they end. Benefits paid are tax-free only if you, not your company, pay the premiums.
This list could be continued since it is possible to purchase insurance for just about any peril you can imagine ... if you can pay the premium! When considering your insurance coverage, use the following checklist:
INSURANCE COVERAGE CHECKLIST:
o Can you afford the loss?
o What coverage is required by Federal, state, or local law?
o What SPECIFIC items are covered by the policy?
o Are items to be insured for their replacement cost or original value?
o What SPECIFIC items are EXCLUDED by the policy?
o If there is a co-insurance clause, do you have adequate coverage?
o Have you chosen deductibles wisely in order to minimize costs?
o Do any of the policies you are considering duplicate or overlap one another?
o Do you need any insurance based on location, e.g., flood, earthquake?
Use the following checklist to review your insurance plans:
INSURANCE PLAN CHECKLIST:
o Employ an independent insurance agent rather than going to individual insurance companies. Ensure the agent shops for your insurance.
o Talk to and get quotations from at least THREE agents and pick the best one for you.
o Use money saving comprehensive policies, if possible.
o Perform periodic (every 6-months) reviews of your insurance program.
o Have business assets professionally appraised to determine coverage needs.
o Ensure existing personal insurance coverage includes business-related activities and add riders as necessary or obtain additional coverage.

Group Health Insurance Plan For Your Business

What is the cover offered on group health Insurance policy?
Group health Insurance plans can be defined as an insurance coverage through an employer or other entity that covers all individuals in the group.
Group health insurance is something that everyone wishes they had since groups get better rates than individuals when it comes to health care (insurance in general). Many people who are self employed or want the best rates incorporate to give the insurance company the look of a larger corporation and they try to obtain cheaper health insurance rates. Group insurance is discounted when compared to individual health insurance so getting on a group plan is a plus. Keep in mind that group insurance is just part of the equation. Deductibles, co pays, and other variables go into the rate you get, so individual health insurance or family health insurance may be just as affordable in the long run.
A group health Insurance policy is an Insurance cover which is arranged by an employer for his employees. This type of Insurance cover enables the employer to pay only part of the premium for the Insurance policy covering his employees.
Essentially Group health Insurance plan is an Insurance policy applied for by the employer to cover his employee's medical expenses. Formerly an employer was expected to 100% employee benefits but now an employer only has to contribute just a part of the employee's insurance premium.
With the new law passed by Congress, the employee's net expenses for the group health insurance policy have been greatly reduced.
How can businesses benefit from this policy?
It is a well known truth that group health insurance plans are greatly valued by employees, most employees even place group health insurance policy second after monetary compensation. Organizations who have in place such policies have confirmed that group health insurance policies have enabled them employ and retain the best hands in their business. Employers are not left out from enjoying the benefits of group health insurance plans; most employers have not yet purchased health for themselves. They stand to get a better and cheaper insurance plan if they purchase Insurance via a company than if they were to purchase an individual health insurance policy.
A group medical insurance policy offers an additional special bonanza in the form of tax incentives for the employer and employees. For instance, as an employer you stand in a position to reduce your payroll taxes, but providing your employees with group health Insurance as part of a whole payment compensation package, thereby deducting 100% of the premium that you would have had to pay on a qualifying group health insurance plan. Also your employees would be able to pay their part of their monthly premium using pre-tax funds.
Although an employer is required to pay some percentage of an employee's individual premium, which ranges from 25% to 50%, depending on the state's laws and the insurance company. Also, if the employee wants to extend coverage to a spouse or dependent, the employer may choose to pay a percentage of that cost, but is not required to do so. Without ant question group health insurance is the most affordable health insurance available today, so if as an employee you're given that option, you should really consider it, Often, spouses and children can be included under such a plan.
What are the factors you need to watch for a good group health insurance policy?
Employers may choose to offer free-service insurance plans, preferred service supplier or a health maintenance plan. Available on the Internet are group health insurance instant quotes, most health insurance organizations also provide group health insurance quotes via their network of agents in addition of making it available for visitors to their offices.
One of the factors an organization need to watch out for in a group health insurance policy is the bottom line. It is no more or less than simply this: group health insurance is less expensive than a couple of individual policies. This is the truth. But, it still is not cheap, in fact no health care program in America is.
Employers may use the guidelines below to select a health insurance plan that meets your needs:

• Study the websites and brochures of the health insurance companies you have short listed to engage.

• Make a comparison of their services, costs and what they pay.

• Find out if there are services or illnesses that are excluded from the policy.

• Take notes of the starting and ending dates of the insurance policy.

• Check to confirm when the cover starts as some health insurance companies only cover you from your third payment.

• Stay away from policies that limit your choice as to whether you can choose a period to stay with them.

• And finally stay away from any group health insurance policy that only covers limited diseases.

Employers are encouraged to choose Group health insurance plans that suits their needs, whether it is the preferred service supplier, traditional insurance cover or the health maintenance plan.

Women's Health and Fitness - How to Improve It

Health is wealth, that's what they always say. And indeed, there's nothing more important than one's health. With all the health and fitness advices out there, sometimes, we get confused which is which. If we're not careful, following someone else's advice can even lead to peril rather than fitness. So, what is special with women's health and fitness compared to men's?
Women's Health and Fitness 101
Metabolism for women is generally slower than that of men's. Although this fact is not always true, it gives meaning to why it's harder for women to stay fit.

• Women have the tendency to have poor blood circulation compared to men because of slower metabolism. This is usually expressed by the cold hands and feet in all kinds of seasons for the ladies.
• Because of their monthly period, women have a totally different hormonal structure with that of men. This usually is the cause of their phenomenal mood swings.
• With the given facts above, obviously women differ with men when they deal with stress, some of which can even lead to eating disorders.

How to Improve Women's Health and Fitness

• Increase one's metabolism by exercising. Examples are jogging or power walking or a combination of both. Not only does it burn calories faster but it also improves blood circulation.
• Because of slow metabolism, women are recommended to have a high fiber diet. A daily dose of fruits and vegetables are in order to keep one fit and healthy.
• One measure of women's health and fitness is the amount of fluids they take. It is advised to take at least two liters of water and other liquids per day. But this does not include coffee or tea as they contain caffeine.

Regular VisitsWith regular check ups, women's health and fitness can be monitored, if not further maintained. Make sure you keep up with your doctor and never skip a visit even if you think there's nothing wrong. As they always say, prevention is better than cure.
On those Fitness Tips
Women's health and fitness cannot be generalized. What works for another woman may not work for you so don't just go on following anybody's advice. Make sure you consult a professional.
Get in touch with an expert to further understand your body. Make sure you only follow a professional's advice and maintain your health.

What Water Is Safe To Drink?

Most of our water infrastructure was built over 100 years ago! That's why you hear of a water main break all the time. You're dealing with pipes that were built during the civil war era. Those old pipes corrode and leach toxic substances in the supply. Millions are spent trying to "improve" the system and Americans assume their water is safe to drink.
Unfortunately, this trust appears to have been misplaced, as various environmental studies has revealed tap water is inadequate at best and toxic at worst. There are literally hundreds of chemicals and carcinogens that can be found in tap water. There are over 30,000 different pesticides that can be leaked into the groundwater yet most water systems are only testing for approximately half a dozen of these chemicals. Traces of illegal and prescription drugs have also been found in tap water.
With the thousands of pharmaceuticals that are flushed into the sewer systems, leaking into our water sources, tap water has been shown to contain traces of anti depressants, hormones and many other unwanted chemicals. Chemicals that are used to treat water supplies such as fluoride and chlorine are toxic substances that can poison humans if taken in large enough quantities. Many of the chemicals found in drinking water are known to cause birth defects, cancer, nerve damage and even sterility.
So, what water is safe to drink? Is it bottled water?
No. Experts insist bottled water is no better than tap water. Plastic bottles leach toxic substances into the water such as BPA and phthalates. BPA mimics sex hormones in your body and has been effectively linked to early puberty, lowered sperm count, hardened arteries, breast cancer and behavioral problems. Phthalates interfere with the endocrine system and has been linked to liver cancer, ADHD, autism and much more.
The bottled water market generates billions in profit every year, which is why marketers are happy for people to believe it is a healthier alternative to tap water. A recent study of independent experts found bottled water to contain contaminants such as carcinogenic compounds, arsenic and bacteria. The group also discovered that as much as 40% of bottled water in America comes from the exact same water system that supplies a person's tap.
Also messing up the water supply that most people don't realize is fluoride.
For years, people have believed that fluoride brings about health benefits, but medical research shows this to be untrue. Many places in North America use fluoride in their drinking water, but much of the population is unaware of the potential problems that this can create. As of late, many counties in the U.S. are now starting to come to their senses and are urging local lawmakers to ban the use of fluoride. Europe banned fluoride from their water supply decades ago so why are we still using it?
Studies have shown that fluoride can damage the human brain in a similar fashion to dementia. It can also affect thyroid gland function, which can lead to weight gain and depression. Do not give fluoridated water to babies!
So, what water is safe to drink?
Preferably you should drink fresh groundwater. But most people don't have that option. Experts encourage people to drink filtered tap water. This can be done cheaply and easily by attaching a filter to the faucet. Other ways like reverse osmosis and whole house filters work better but are expensive. With a faucet filter you can effectively get rid of the major toxic substances

Positioning Your Company for Debt Financing

Positioning Your Company for Debt Financing:
There was a time in the old days when going to the bank was the only way to get outside capital for your business. These days with the explosion of raising equity investment, many of the guidelines for running a company have been revolutionized. Unfortunately this new phenomenon is only true for companies with super "star power", because these companies have potential to create sky-rocket return earnings.
For everyone else, sticking to fundamentals is where it's at. Building your company incrementally, following a pre-prepared business plan, watching expenses, and increasing sales. When your company moves beyond its launch, it begins to operate much like a bank. On the financial side you will be making credit decisions
involving your customers. Some will have to pay C.O.D., some you will extend net 30 day terms. In this sense you are now becoming a banker for your customers.
Without getting into how inexpensive debt financing ultimately is compared to equity (try 20% annualized interest versus 20% ownership lock stock and barrel), in certain situations the time honored tradition of borrowing money can be the best solution for increasing growth or starting a company.
By knowing what commercial finance companies look for, you will become a much more attractive prospect.
1. Concentration - This means putting all your eggs in one basket. Avoid going out and making a large sale to a customer and then not continuing your sales effort to find more customers. The risk of a problem developing with your main customer, or for whatever reason they are no longer buying from you can obviously be detrimental to your success. Finance companies look for incoming revenue to be spread evenly over a number of customers.
2. Creditworthiness - Who are you lending your hard earned assets to? What kind of due diligence do you perform on new customers? The challenge here is whether to accept a lucrative sale with a company that could never get credit from any type of finance company. You are essentially telling yourself that you know better than the banker about loaning money. Finance companies will respect a business owner that has a thorough credit checking process and a number of stable credit worthy customers.
3. Book keeping - While some businesses send out all their accounting to outside agencies, it is helpful to have a qualified book keeper on staff. When it comes time to seek financing, being able to produce an instant fiscal snapshot of your company will show the sophistication of your operation. Finance companies appreciate businesses that keep a close eye on their books.
4. Taxes - Pay them. Using the Internal Revenue Service as your funder becomes expensive. Whenever you work with a finance company, you will be pledging assets as collateral, thus the nature of debt financing. When you fail to make tax payments, the government steps in and places a lien against those same assets essentially stepping into first position. This leaves the finance company with money outstanding to your business and no collateral to back it up. This places your entire relationship in default. When going to closing on financing expect to sign a form that allows the finance company to receive duplicate correspondence from the IRS. This is standard procedure to track tax problems. Owing taxes does not mean you cannot get financing. It is entirely possible to receive a subordinated debt agreement from the IRS which allows the finance company to work with you unencumbered.
5. Bankruptcy - If you have ever entered into a bankruptcy proceeding whether personal or business, own up to it right away. It will come out, and being up front about the circumstances will enhance the necessity to overlook the past difficulties.
6. Applications - Finance companies ask for a variety of information when performing their due diligence. Do not be alarmed, they are not trying to steal your secrets. They need to feel comfortable with you and your company. Each company has its own threshold for fact checking. Invariably the finance companies that do the most thorough job are the most reliable and safest to do business with. Finance companies like working with a business that takes the time to put a loan package together in advance of asking for financing. Typically you can start with; Interim Balance & Income Statement, Interim Profit & Loss Statement, Last Year End Statements, Accounts Payables Aging Report, Accounts Receivables Aging Report, and of course Tax Returns.
7. Contracts - Be prepared for onerous language. Finance companies cannot sugar coat the reality that if something goes wrong they need to exercise their rights. They have to go into the relationship always thinking that the absolute worst case scenario will unfold. Once a finance company finds itself being defrauded, stolen from or payments not made without explanation, it's too late to insert stronger language for protection. By and large the language is standardized and walking from a deal to start shopping for less demanding legalisms won't produce much. Remember this, a contract is just paper in a file cabinet until you default on your agreement. Stay within what you agreed upon and all the tough language won't matter. Even if you start having financial difficulties, get in touch with your finance company immediately. You can greatly reduce the chance of default by showing that you are pro-active with your situation.
8. Using the money for the right reasons - This sounds obvious but in certain cases it can be highly relevant. You hear a lot about going to the right Venture Capital Firm that would handle your type of investment. In some ways that holds true for debt finance companies. They tend to work within industries that they feel comfortable. Additionally the type of financing company will depend on your plans for the money. If you are trying to set up a new business infrastructure, then a working capital line of credit is not your best option. You will probably do better with a term style loan that will allow you to amortize the expense over a period of years.
9. Management Integrity - Also like equity investment, get a good team together and hold onto them. Finance companies raise red flags when a long time Financial Officer who has been the contact person at the company since the inception of the relationship all of a sudden leaves without explanation. Again, always fearing the worst, the finance company could unjustly feel that something untoward was afoot and begin to scrutinize your account more closely. Even though finance companies are not part owners of your business, they are partners in your success just like your good customers. Keep them abreast of breaking news.
10. Be Professional - Answer calls and messages expeditiously, be prepared with information, show up on time. When its crunch time and you need an extra fifty thousand dollars for a week to get a better deal from a vendor, you would be surprised how much mileage you can get by being a courteous and thoughtful customer to your finance company.

The Kidnap and Ransom Insurance Paradox

Generally, kidnap and ransom insurance policies are for workers and companies operating in high-risk countries. It may be provided as an inclusion of a company's insurance package or given as an independent policy by a kidnap and ransom insurance provider. The catch is that usually the insured employee should not know that they are covered by the policy, or else, the policy becomes invalid.
Here's the catch:
Kidnappers usually insist that authorities should not be informed. They usually notify the family of the victim. Then they issue demands. The family, on the other hand, shall be placed under the dilemma of informing the authorities or giving the demands of the captors. The family or the company of the victim may notify the insurance company, but the problem is the insurance provider may deny that the victim is covered by the insurance. In this case, the life of the victim may be put in danger.
The solution is to opt for an insurance policy that allows you to disclose its existence during dire circumstances. An ideal kidnapping insurance policy is one that requires you to notify the insurance company and the authorities about the kidnapping but only when it is possible and safe to do so. Choosing the right insurance in this case is very important. Going for favorable insurance in the first place frees you from possible serious repercussions.
Another conflict:
The stipulations of the insurance may go against the policy of the US government, which is to not negotiate with terrorists. The American government along with the government of many nations has issued travel advisories for high-risk countries. A kidnap insurance policy may raise deductibles for people working in high-risk countries. Supposing your company operates in a high-risk country and your worker is kidnapped there, the insurance firm may restrict the coverage or, worse, render it void.
What if an employee of your company has something to do with the kidnapping?
The insurance company may cancel the policy in the event that a representative of your company is proven to conspire in the kidnapping. The conspiracy on the part of your employee shall complicate things here. Since this is a possibility, it is important that the policy delineates what happens to the coverage if evidence of connivance is discovered.
Benefits
Setting aside these drawbacks, kidnapping insurance policy can be beneficial in various ways. It entitles the policyholder to reimbursement of all costs incurred as a result of the kidnapping. It also entitles the holder to crisis management and injury compensation. Corporations that hold kidnapping policy may receive reimbursement for the cost incurred of hiring replacement of kidnapped employees. Policyholders may also receive refund of the money given as a reward to informants.
As mentioned earlier, kidnap and ransom insurance is tricky because an employee should not know he is covered by it. Enforcing the policy may also be troublesome during dire cases. However, these conditions are the price of receiving benefits in case you are kidnapped. This form of insurance is highly recommended for those who work in risky areas. However, employers should be careful when looking for an insurance product. Its provisions should be carefully studied.

5 Ways You Can Be Ripped Off and Tips to Avoid It

1. By electricians/plumbers/other technicians in your home. This is a notorious profession for "rogue traders" who rip people off by overcharging or carrying out unnecessary work. Firstly, check them out as much as you can. Do they have a website with an actual postal address on it? When they're there, stay with them and ask questions. Get them to show you the bits they're removing or repairing. Ask as well if they have a price list for parts, so that you can check they are charging you a standard price.
2. Mobile phone companies. Or more specifically, people selling them. They'll add on all sorts of extras you don't need to boost their commission. Do you need insurance or is your phone covered elsewhere? Do you really need unlimited data downloads? Monitor your usage and shop around for what suits you.
3. Banks and other money companies. You can feel like they have you over a barrel, but if you think you're being ripped off, check. The financial ombudsman makes sure that customers aren't charged excessive fees for going over their overdraft, for example, and that transfers clear quickly to avoid charges. A common way that customers get overcharged is using banks to change cash into other currencies. Make sure you know the exchange rate by using an FX converter yourself and if possible use a specialist company who don't charge fees.
4. Taxi drivers. Easily done if you're not sure where you're going, or you've had a few drinks. Always use an established company and make sure the meter's running. If you're not sure of the route, don't let on. They'll be less tempted to take you a long way. Tricks include asking them at the start of the journey "which route are you taking?" They'll assume you know the area and give the quickest route. Alternatively you could check the route on a smartphone, or even just pretend to ring someone when you get in the taxi and say "I'll be there in a few minutes" - just the idea that someone's expecting you and you have an anticipated time of arrival could make them less likely to rip you off.
5. Garages. This is probably the most feared item on the list. It can be really daunting leaving your car somewhere and you can end up agreeing to huge bills. The first thing to do is educate yourself a bit, about your car and general mechanics. Being able to throw a few terms into the conversation will make you seem less of an easy target. Taking someone with you can also help you feel more confident. Most importantly follow your instinct. If you have a bad feeling, go somewhere else and get a second opinion. If you're wrong, who cares?

Axia Fx's aim is to make Foreign Exchange easy. The company exists to enable individuals and corporations of all sizes to access better exchange rates without disrupting their existing banking set-up.

Bentley's Recession Proof Numbers

The economic condition of the world appears to be in chaos: take a look at Europe and you see austerity measures of all sorts. Look at the United States and you see unemployment and stringent regulation. Take a look at Russia and you see corruption and power hungry billionaires. But aside from the chaos, can there be a glimmer of hope? Can there be some light breaking through the polluted media and taxpayer outcries? There certainly is a small drop of relief that exists: Bentley.
You see, while just about every car company is getting railed by the global recession, Bentley is not. They just recently announced their 2011 sales numbers, which are absolutely fantastic given the class level of a Bentley vehicle and the current market conditions. You see, while Toyota struggles to maintain profitability due to the Japan earthquake and the Thailand floods, Bentley has bounced back to pre-recession levels of demand in all global markets. Sales were up 37% globally for the 2011 calendar year to a total of 7,003 vehicles. As the year came to an end, sales began to accelerate even more as 2011 December sales jumped 69% from 2010 December, which is Bentley's best month since their previous pre-recession record of 2007 and the second best month ever.
The US continues to be Bentley's number one market with a total of 2,021 cars sold, an increase of 32% from 2010 and accounts for 28.86% of Bentley's total sales. For the first time ever, Bentley's second largest market is China. Sales nearly doubled to 1,839, surpassing the 2010 China record by July of 2011. Other regions have also shown a strong increase in sales, Continental Europe is up 53% to 1,187 vehicles, led primarily by Germany with an increase of 88% in vehicle sales. The United Kingdom proved to be an extremely challenging market but saw a 5% increase to 1,031 vehicles sold despite the environmental challenges.
The strong sales performance for Bentley is being attributed to the strong demand across the entire vehicle range. The new 2012 Continental GT unsurprisingly proved to be the most popular Bentley with 2,404 GTs sold, accounting for 34.33% of Bentley's total sales volume. Sales were also boosted significantly in December with the first deliveries of the new soft-top 2012 Continental GTC, a new model which has received fantastic reviews from media and customers alike. Together with the 2012 Bentley Mulsanne, which continues to maintain a healthy order bank constantly replenished as more customers get to drive the flagship Bentley, sales growth is expected to continue unabated during 2012.
Keep your hopes up, if Bentley is posting strong sales, maybe we'll start to see some more aggressive activity by other automotive manufacturers.

Motor finance Locations A person On top Equipment Whilst Purchasing a Vehicle

Quick vehicle upon open up highways. It's a ideal image for just about any vehicle fanatic. However you need to visit your projects as well as decrease your children in order to college. This is actually the actual image for many people. We have to conserve period whenever we have no. An average person offers a lot of unusual work to accomplish that the vehicle may, undoubtedly, help their own achievement. Funding your vehicle does not match your own concept of the way in which of purchasing your vehicle; after that most likely you're nevertheless trapped along with conventional vehicle purchasing techniques. Get rid of your own inhibitions in regards with regard to vehicle funding since it unquestionably retains in your mind your own monetary quality prior to decorating a person having a motor finance mortgage.

Vehicle funding has had a brand new rewrite regarding supplying expense with regard to purchasing a vehicle. Therefore, how can you financial an automobile? In the event that this particular query simply leaves a person puzzled, after that you need to proceed quite a distance along the way of purchasing an automobile. The word 'financing' with regards to purchasing a vehicle implies possibly making mortgage to purchase the vehicle or even rent the vehicle for you. You're most likely focusing on the actual previous which means. Lots of people tend to be towards speaking motor finance through car dealership with regard to it appears as though the handy choice. It appears simple; you decide on an automobile, complete the credit score software, as well as generate aside together with your vehicle -- just about all inside a day's function. Motor finance via car dealership provides you with motor finance upon weekends as well as from evenings whenever additional banking institutions as well as credit score unions tend to be shut.

Appears handy, is not this? However there's a capture. The actual seller is going to be definitely getting a person much more for the motor finance. Generally vehicle purchasers tend to be overcharged through 3% on the motor finance. A lot of issues regarding vehicle funding tend to be associated with sellers. 0% ANNUAL PERCENTAGE RATES isn't just appealing however fishing lures the actual purchasers to get upward motor finance not really meditating if it's simple for all of them. You will find not many individuals who can in fact obtain a 0% ANNUAL PERCENTAGE RATES. Therefore motor finance offers generally drop midway therefore producing motor finance encounter an incredibly upsetting 1. You're purchasing a brand new vehicle as well as most likely with regard to the very first time, you want to buy in order to enhance your own excitement. You will find couple of primary stuff that have to be considered prior to getting which essential primeval part of vehicle purchasing.

First of all within vehicle purchasing as well as funding is actually looking at your own credit rating before you decide to obtain a auto loan. Lots of people tend to be not aware to the fact that these people have the credit rating. You are able to expediently examine your own credit rating on the internet. Therefore, for those who have poor credit rating after that most likely you'll be having to pay much more rate of interest for the motor finance. In case your credit rating falls beneath 550, after that most likely make an application for brand new motor finance isn't this kind of advisable. Very first restore a person credit rating. Fixing credit rating demands small work, can help you pay back your financial troubles as well as keep your own credit history. On the internet motor finance businesses could possibly get a person motor finance mortgage even though your own credit rating is gloomier compared to needed. Your vehicle financial mortgage could possibly get authorized within min's. On the internet motor finance businesses possess revolutionized motor finance process. Along with cheapest on the internet motor finance prices, absolutely no software costs, or even lower obligations motor finance businesses give a solid competitors in order to vehicle sellers. Motor finance businesses possess arranged a typical with regard to supplying motor finance that's really worth choosing.

70% associated with vehicles tend to be acquired through some type of funding. You may also financial the car or truck. The procedure is really as easy as well as undemanding because funding a brand new vehicle. The actual substance in order to choosing the best motor finance does to analyze regarding your own type of vehicle. Understanding is actually energy; you have to end up being conscious for this grow older aged reasoning. Whenever a lot info often is available, after that why don't you take advantage of this. Learn how a lot your vehicle expenses through evaluating prices along with nearby sellers. Really important, is actually cognizing just how much, you are able to pay for. Determine, a person month-to-month earnings as well as deduct your own typical month-to-month costs to discover just how much you are able to pay for from month to month. Calculate very carefully, or else you will discover trouble within paying back your vehicle financial mortgage. And also you don’t wish to trick close to together with your payment strategy just because a great deal reaches risk. You are able to look for free of charge guidance for your own personel motor finance on the internet via credit score unions as well as mortgage establishments.

You're an automobile fanatic, an automobile customer, the only a individual who requires a vehicle you need to generate the very best vehicle. As well as why don't you generate the very best vehicle, if you have use of the very best motor finance programs. Vehicle funding is really a clear path leading a person to become new driver. Motor finance financial loans are often short term installment loans which range from thirty six in order to seventy two several weeks. Smaller mortgage phrase suggest, reduce rates of interest and can end up being less expensive. You've already been spending so much time to pick the vehicle you would like; there's a pretty great opportunity that you simply wouldn't need to function therefore difficult with regard to motor finance. Therefore, relax unwind and revel in the actual trip.