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The Need For a Temporary Life Insurance

Temporary Life Insurance is one of the basic types of insurance policies; the other being Permanent Life Insurance. This policy is in force only for a limited period of time and therefore temporary in nature. Temporary Life Insurance is a term used in the United States whereas in the United Kingdom it is referred to as Term Assurance.A vital aspect to consider at the time of purchasing Temporary Life coverage is whether or not the insurance provider guarantees renewal on expiry of the policy. Such a guarantee assures that policyholders will be able to acquire some protection if for some reason they are no longer insured. Moreover, such a guarantee offsets the temporary nature of such a policy.In fact policyholders should demand such a guarantee of policy renewal. The Term Insurance does not accumulate any cash value and any benefits are passed on to the beneficiary only after the death of the policyholder. As a result, such an insurance policy is least attractive in spite of the low cost.Temporary Life coverage is a tool that offers financial protection to the beneficiary of the deceased policyholder. As such, it does not benefit the policyholder during the life time of the policy holder except that it offers the necessary financial protection in the event of death. However, life insurance cannot be viewed as an inheritance or a consolation prize for the loss of life since human life is immeasurable in economic measure or value.However, Temporary coverage is quite beneficial when applying for Life Insurance. The extra comfort derived from such insurance is well worth the initial premium outlay. Also, the insurance company returns the premium to the policy buyer in case the application is rejected or if the policy buyer declines the policy offer.Thus, Life Insurance is an essential component that offers future financial protection for the dependents in the event of the death of the policyholder. Sometimes, Temporary Life coverage is also termed as Pure Insurance that does not provide any cash value. A major advantage offered by such insurance is that policyholders can cancel the policy for any reason. On the other hand, Permanent Insurance builds cash value that reduces the amount at risk for the insurance company. However, a major drawback of such a policy is that the policyholder cannot cancel it under any circumstances.Potential buyers should therefore get online and begin their search for flexible and affordable Temporary Life Insurance cover.

Unsecured Business Loan – Is There Really Such a Thing?

To many business owners looking for working capital, an unsecured business loan sounds like an enticing offer. Indeed, the Internet is littered with ads, sites and plain old come-on’s for these types of loans. However, it is important to understand these offers for exactly what they are.First of all it is important to understand the common definition of “unsecured” in the context of a loan. A secured loan is typically one that has a lien or some type of legal encumbrance placed upon some type of hard assets possessed by the borrower. An example would be a car loan or a mortgage. The “security interest” for the lender is that if you do not pay, the lender will take your car or house. In this case, the lender has “legal recourse”, and can use the courts to either force repayment, or seize the secured assets ( car or house in our example) if the borrower cannot pay.In both these examples, the borrower has the loan secured against personal assets and the loan is made based off of personal credit and income. An unsecured loan by definition, does not have a lien placed on assets possessed by the applicant or borrower. The loan is made purely on the strength of the borrowers credit history and their verifiable income.In the context of business loans, many offers are advertised as “unsecured” purely because these types of loans or cash advances do not secure the loan against the PERSONAL assets of the business owner. Technically, then, this loan is unsecured. If the loan is truly unsecured against both the personal assets of the business owner, and the business itself, then the loan amount typically will be very low, generally under $7500 and usually much lower if the credit history has problems.However, many merchant cash advance lenders will advertise unregulated cash advances as “unsecured”. In actuality, these types of advances, which have no limit on the upward rate being charged, usually do have a security interest against the assets of the business, not the business owner. They accomplish this by filing a UCC(uniform commercial code) lien against the business. This means if the business does not pay the loan and the business is sold or liquidated, the merchant cash advance lender has a right to the proceeds to satisfy the unpaid before the business owner does.Such advances are usually made based on the future credit card receivables of the business and often come with strings attached, such as requiring the merchant to switch payment processors, buy equipment, and pay high upfront fees. The unregulated “cash advance” is really a sales tool to force further purchases or concessions by the owner in exchange for a high rate advance.In conclusion, if you are business owner looking for an unsecured business loan and the amount you are requesting is over $5000 with less than perfect credit, chances are you will not find it easily, if at all. However, there is a much more cost effective option for these business owners who are seeking quick working capital up to $500,000 at rates that are 50% less than a merchant cash advance with no upfront fees and no requirement to switch processors. To find out more about this new, cost effective business loan, click here.

Business Loans Reviews – Basic Tips on Getting a Business Loan

It is quite often that a starting entrepreneur gets denied with an application for a loan. While others may be successful with their loans, they may also find themselves dealing with strings attached to the arrangement. In getting an application, business owners must realize that investors and banks operate under standard principles when lending money for business. Below are the basic steps that you should consider in getting that much needed loan for starting your business.Know the Reason for your Business LoanThis is especially important for any starting businessman. While most may think that this step already goes without saying, some borrowers tend to be confused on why they need the loan on the first place. Applicants should identify the intended purpose, whether it is for replenishing capital or for facility expansion and equipment upgrades.Know the amountBusiness owners need to be clear and very specific on both the reason for the loan and the reason for the amount specified on the application. Even existing business firms may not be able to fully address the questions on why and how much not until they start preparing their financial statements.Get expert adviceThose who are running a start-up business may benefit from the advice of experienced executives. If you are a small business owner, you may want to visit any local chapter of the SBDC or Small Business Development Center. This organization serves to assist any new and existing businesses. SCORE is another wonderful source for advice for any entrepreneur struggling with a loan application. This is a non-profit organization which mainly consists of volunteer retired business executives.Know your credit historyAny owner of a starting business which is less than 3 years old will be subjected to a credit history evaluation by the bank or investor. It is often in this area where banks find a reason for denying a loan application. Therefore, it is important that you get your credit history in order. Check for any disputes and discrepancies.Demonstrate credit worthinessWhen a bank or investor evaluates your credit, there are generally four areas considered upon making the full assessment. The bank analyzes the business owner’s capacity to repay the loan. It is important for any applicant to specify how and when the loan will be paid back in full. The collateral is another crucial factor. This acts as a security for banks and investors. This can be any form of property owned by the applicant or business. Collateral can also come in the form of a guarantee that someone else will pay the loan in the event that the applicant cannot. The bank also considers the owner’s personal investment into the business. This is basically the capital and the banks will strictly evaluate the amount and overall quality of the capital that the business owner can provide. The personal qualities of the loan applicant are also considered during credit analysis. While this may seem subjective for most, banks place value on the overall character of the applicant. Everything from personal background, educational experience and professional experience in the chosen industry are evaluated when applying for a financial investment.Know the economic conditionsThe conditions that may affect an investor’s decision include the overall economic climate during the time of application. Undeniably, banks will view tight economic conditions as a challenge for any loan applicant to be able to pay back the investment. Furthermore, periods of recession also mean that banks will have a tougher time in funding every loan application that comes their way.Review your borrowing optionsIt is best that you consider all the commercial banks available. While most are attracted to large national banks, regional institutions should warrant a priority spot in your prospective list. The chances of getting a loan are actually much higher when you got small commercial banks. Of course, there are other great options available. Business owners who are members of a local credit union can also consider meeting the loan officer in charge.Make a solid business planA good business plan is one of your best weapons against loan application denial. Financial institutions will most certainly require a business plan along with the loan application. The business plan should be extensive and include relevant information on past and present financial statements. It should also include a clear market analysis for the business as well as your overall experience in that industry. The value of the assets to be used as collateral should also be distinctly indicated.Being successful in your loan application requires transparency with all your relevant financial information. It requires a confident entrepreneur who has strategically planned out the business in all its key aspects.

Obtaining a Poor Credit Business Loan

Business owners with poor credit ratings may find it difficult to obtain a loan for business purposes, such as expansion or to invest in a new product. Because lenders focus primarily on personal credit scores for business loans, you need to focus your efforts on going to the right lender for a poor credit business loan.Poor credit business loans are available to business owners who would not otherwise qualify for a conventional business loan. Before applying for a lender, take a few important steps to increase your chances of getting a poor credit business loan.1. Write a sound business plan.Having a sound business plan is your biggest asset in obtaining a poor credit business loan. The plan should be completed and should represent your business in detail. Pay the closest attention to your business’ summary, which is stated at the beginning of the business plan. The summary is generally one to three pages in length, and details your business’ management experience, marketing efforts and goals, business goals, and other information about the business. If the lender likes what they see in this summary, they’ll read on.2. Rent, rather than purchase, business space.If you’re applying for a poor credit business loan, look for attractive business rental property that fits easily into your business’ budget. Lenders favor businesses that rent or plan to rent business space rather than purchase a building, especially for businesses that are in the early stages of development, and will often approve poor credit business loans provided space is rented rather than purchased. This is due to the fact that lenders prefer to see a business owner investing in assets that generate income for the business, such as inventory and equipment. Lenders also frown on expensive renovation costs to rental space if the business is a young or start-up business.3. Review your credit reports.Checking your credit reports from Experian, Equifax, and Transunion is an important start to the application process for a poor credit business loan. Your credit reports can cue you in on what the lender will see as soon as you apply for a poor credit business loan. When you obtain copies of your credit reports, review all information, including your name, address, phone number, and social security number to make sure that they’re all correct. Additionally, check your listing of creditors. If there are listings that you don’t recognize, report them to the credit bureau. Additionally, if there are listings that were turned over to a spouse after a divorce, for example, report those as well. The credit bureaus will contact the creditors with these disputes. Creditors are given a 30 day period to respond and verify that the debt is true, or if they are indeed errors, they are required to remove the listings from your reports. If no response is received after you file your dispu!te, the credit bureau is required by law to remove those listings from your reports. Demand that the credit bureau correct these mistakes promptly.If your credit report shows legitimate late payments or bankruptcies, include a letter with your poor credit business loan application, explaining the circumstances of these marks against you, and how the situation has changed for you. This can greatly reduce the impact of these negative listings. Be honest with the lender! Trying to conceal your past credit problems is the fastest way to get your poor credit business loan application discarded.4. Consider a small lender.Larger banks aren’t necessarily the best place to apply for a poor credit business loan, and in fact, can sometimes be the worst place to apply. Smaller banks and credit unions are often more inclined to finance businesses in their community, even those applying for a poor credit business loan, and their loan officers are more likely to give you individual attention and listen while you state your case. Each inquiry into your credit report generally reduces your credit scores by five points, so choose your lender carefully before applying for a poor credit business loan. Ask the lender to review your situation prior to pulling a credit report. If they feel that the proposal shows great potential, while being honest with them regarding your poor credit, and the lender feels that the loan could be approved, you’ve reached a safe point to move forward and allow them to request your credit report.Poor credit business loans can sometimes be difficult to obtain, so be resourceful on where you get your loan.A. Consider a home equity loan.For example, home equity loans can be used for business purposes. However, keep in mind that if the business fails, you may also be at risk of losing your home if payments are not made.B. Consider working with a specialty lender.Some lenders specialize in poor credit business loans for high-risk entrepreneurs. These loans usually have high interest rates, but can sometimes offer a provision for lowering the rate when the business shows positive cash flow and the borrower demonstrates the ability to pay the debt.C. Approach the Small Business Administration.The Small Business Administration (SBA) has a wide variety of loan programs to assist business owners and potential business owners. The SBA does not provide loans, but rather, guarantees a loan, reducing the lender’s risk of loaning you the money for the poor credit business loan. The SBA also maintains a list of business-friendly banks. For more information, contact your local SBA office, or visit sba.gov.

Casino Gambling Systems To Win More Money!

I will share with you some common mistakes people make when using casino gambling systems they use. Some of the strategies like picking loose slot machines and card counting in blackjack work, and there are other strategies as well. Here are a couple tips:

Casino gambling systems #1 – If you take free drinks from the casino you will end up losing more money then you would have originally if you didn’t drink. Alcohol impairs your judgment and makes you choose stupid bets. Don’t fall victim to the free drinks!

Casino gambling systems #2 – If you really want to have an edge against the casino you will have to employ card counting strategies. Card counting is a method of playing blackjack where you keep track of the high numbered cards. When the deck is full of high cards that’s when you bet high. When the deck is spitting out low cards you bet low.

Casino gambling systems #3 – I think another good way to win a lot of money is spending time watching the roulette table and devising a progression betting pattern within limit. After 4 losses stop. After all roulette pays 35:1 and if you can play a single 0 table your odds will be slightly better.

Over all there are a lot of casino gambling systems you can use to raise your edge against the gambling odds. Look into every strategy available to be able to win more money at the casino. Winning money should be the name of the game and using systems that work is a bonus!

Another thing I recommend is that you download my Free Killer Gambling Tips PDF report! Inside I show you how to win more money at the casino using simple strategies to win more and lose less! Get it here free now:

Gambling Addiction Therapy

Gambling addiction is not easy to cure because many gamblers don’t even realise that they have a gambling problem. This is not because they are stupid, on the contrary most gamblers are bright people whose minds are focused too much on the routine of gambling to ever even consider the bigger picture of what impact this behavior is having on their life and their loved ones. The biggest self delusion a gambler has to deal with is that the odds are in your favor and that you will make money.

Gambling is not about the money, it is a psychological illness and it affects not only the gambler but everyone around them.

The adrenalin fueled psychological roller coaster that is gambling addiction requires firstly that the gambler realises that there is a way to break this cycle of self destructive behaviour. Willpower alone will probably not be sufficient as many gamblers constantly tell themselves and their loved ones that they are giving it up, but they go back to it once they have the money to do so. The problem rests with the subconscious mind and sometimes hypnosis is required to break that pattern of negative behaviour and replace it with positive thoughts and actions.

By addressing the problem from within the unconscious mind, you can reprogram the way you think about the whole concept of gambling.

You will probably know this already but consider for a moment the benefits of quitting gambling.

No More Debt.
No More Worries about bills and creditors.
No More relationship problems and having to hide your addiction from your partner.
Regain your self esteem and trust from your loved ones.
Free your mind from guilt and negative thoughts about losses.
Take responsibility for your actions, let go and move on.
Have more time to enjoy life and stop thinking about gambling altogether.

If gambling were a business, ask yourself, would I spend so many years trying to make this business work or would I find a more profitable way of making money?

Life is short, if you’re a compulsive gambler can you afford to waste any more time on this vicious cycle of self destructive behaviour?

You can beat it by taking positive action. It will mean making life changes, i.e removing yourself from the environment which encourages you to gamble. Finding something else to occupy your mind. Hypnotherapy can help you in your battle against gambling addiction by reprogramming your subconscious mind from gambler to “non gambler.”

The Benefits of Gambling Systems

The Benefits of Gambling Systems

The benefits of gambling systems can be tremendous for beginner and inexperienced gamblers. These systems are developed by professional gamblers and strategists who have, and continue to make, thousands of dollars in the casinos, on river boats and at online casinos. They can educate the inexperienced gambler by providing them with information about the inner workings, odds, tips, tactics, strategies and software that can help them maximize their potential winnings. They educate beginners on money management, betting strategies and software that will help them minimize their losses and boost their profits without jeopardizing their financial stability.

More and more people are losing their jobs every day – and it’s not looking like that will change any time soon. And we all know that Social Security is not something we will be able to count on in our future. People may start turning to gambling to try to hit a big winner just so they can pay to keep a roof over their families’ heads and food on their table. When they do that, they need to be educated on how the games work and the best strategies to use to achieve huge profits.

The internet gaming industry may also soon see a revival with the expected introduction of legislation aimed at overturning the Unlawful Internet Gambling Enforcement Act by Representative Barney Frank, Democrat of Massachusetts. If this becomes a reality, then the public needs to be better educated on the mechanics and skills needed for their chosen game(s) as well as the potential pitfalls and how to avoid them. They need to learn how to manage their money and themselves, and utilize the tools available so they can continue to enjoy gaming and maximize their winnings.

Cruise Ship Gambling – Things You Should Know!

Apart from some of the various gambling facilities offered on land, cruise ship casinos are by far the most well known casinos in the United States. So if you feel like gambling at sea you most surely can, and at the same time enjoy a vacation as well. That is if you sights are set on a long cruise, which will in most cases go for longer than three days. Aside from those great-extended cruises you’re able to check out the casino vessels along the coast.

When it comes to cruise ship gambling, most people are nervous about the legal side of things and yes, it’s true -gambling is actually not legal in most of the United States, but various rules apply when you pass into international waters. As soon as your ship leaves port the casino will most likely open but to stay safe many ships wait until they are a few miles away from US soil. Gambling on the ship casino is similar to gambling on dry land and usual casino rules should apply however if the vessel’s gambling rules differ, you will likely see signs or if you’re lucky, the rules on the walls somewhere.

Additionally to getting help or illumination from the employees it’s not likely that they can train you how to play a certain game. Not like dance lessons you could easily be well informed in how to play a number of various games with a bit of help of a skilled gambler. Most of these on board casino game lessons are free, but then, not all of them are and aboard some ships it might be a condition to pay a small price to involve you in a gambling lesson.

The casino games accessible aboard a cruise ship will be various though many of the more well known games including blackjack, roulette, poker, and slot machines will most likely be general on all ships. The casinos games found will all depend on the vessel so if you are attracted in playing a particular casino game, you should look ahead of time to make sure the game is hosted on that ship before making your reservation.

As above mentioned casinos are usually found on those extended cruises and those have the classification as cruises that stay at sea for a period of time. These mostly will also go from one place to another but extended cruise ships typically have most activities, other than gambling. The reservations along with the cabin rentals are regularly compared to the hotel rooms at most casino resorts and when compared, a long cruise is usually a better value.

Although they’re very well known it’s not everyone that to opt for an extended cruise so if you’d like to experience gambling on board a luxury liner, but don’t have time to stay the night you have the choice of going to a inshore, or a river casino. Along the United States coast and numerous riverbanks casinos tend to be legal often legalized by the local government. These casinos are much like the land casinos that have been legalized and the major difference between the two is that they’re situated on the water. If you want to take a vacation in a cruise ship’s casino you will have to book your passage.

Social Media Marketing And SEO

The digital world is an increasingly crowded but mandatory field that businesses owners must play in. As a Tampa business in today’s world it is now not enough to just have a website and Tampa social media marketing strategy, you also must employ a comprehensive search engine optimization plan. For this reason, the smart option is to work with a company, like Webhead Interactive that does both.

Webhead social media strategies are designed in a way to complement their SEO work. This way each end of the marketing spectrum maximizes the work of the other. The result? More traffic to your site and more customers to your business. Tampa social media is a very crowded field. Most businesses are active on one or more of the popular social media platforms, such as Facebook, Twitter, YouTube, even Pinterest and Instagram. For this reason it is important that your business not just be active in your Tampa social media marketing, but also be found through comprehensive SEO efforts.

Webhead Interactive, known as not only a top rated Tampa SEO company, but also the premier Tampa social media marketing agency, has the experience and expertise necessary to help businesses reach their market audience through a fully integrated and optimized social media management strategy. They work on multiple levels to be able to not only help your customers find you, but also interact with you through your social media channels. Since Webhead social media doesn’t just focus on one aspect of your digital marketing, but instead takes a 360 approach, they far surpass the impact of other social media companies in Tampa. Quicker, more powerful results and a proven track record of success.

As the leading full-service Tampa social media agency, Webhead Interactive will help you identify how your business and brand can benefit from an optimized social media presence. An example of some of the services they offer and might recommend include; custom Twitter, Google+ and YouTube backgrounds to help you promote your brand, Facebook timeline design and implementation to increase visitor click-through rates, Pinterest set-up and board strategy, content distribution and sharing strategy to maximize exposure and much more. They will also help you with your digital and social media promotional advertising strategy to further encourage engagement and fan development.

In order to make sure your Tampa business is found by the customers that are looking for you the best strategy is to maximize your online exposure by using both social media marketing and SEO as part of your communications strategy. By choosing a company like Webhead Interactive and Webhead social media, you know you are working with a team that understand and excels at both. The author has an immense knowledge on Tampa social media marketing. Know more about Webhead social media, Tampa social media marketing related info in his website.

Paton Marketing: Quality Solutions for Effective Internet Marketing

Paton Marketing is an Internet Marketing Company Miami that has helped many clients generate great revenues through various online marketing techniques and procedures. Paton Marketing offers services like Search Engine Optimization, Website Development, Pay per Click Management, Reputation Management, and Social Media Marketing. We provide all the services you need at affordable rates.

Our online marketing strategy constantly thrives to get desired results for the clients. Our SEO campaigns cover all critical and diverse factors ranging from on-page, back link, content to website design. All SEO aspects are covered with the simplified three phase approach of Plan, Optimize and Track to strategize, execute and report SEO campaigns.

Miami Marketing Agency uses expert knowledge in a range of marketing services to help bring our clients’ websites to unprecedented levels of success. Through effective online marketing strategies and our expert SEO services, we can help turn your website in to your business’ most powerful lead generator. Google, like many other search engine ranks pages based on certain criteria. To start with, the quality of your site matters a lot.

We also specialize in Web Development and Web Design. Paton Marketing provides our clients with a strategically-developed premium custom website. A great website will go a long way in getting your business noticed online. It also delivers a high-quality user experience. We keep your website up to date regularly.

Internet marketing is much more than site creation. It requires precise marketing techniques and tools across the board. Without our professional assistance, your website will simply fail to generate essential web traffic. Web marketing also entails weekly progress reports. This includes web traffic, along with the number of hits your site secures on a weekly basis.

Miami Marketing Agency also specializes in Reputation Management. Reputation Management is one of most important factor in web marketing. Negative content can terribly affect your business. Paton Marketing Reputation Management strategies can protect your online reputation by suppressing negative content on the search results. We create positive and multiple micro-sites ensuring that the negative links are pushed further out of search results.

If you are struggling with web traffic issues, our dedicated marketing team can help you within time and budget. Simply contact us today.