Ultimate Life Insurance Guide

Life insurance policies are NOT created equal. Some provide coverage for the rest of your life until your dying day while others cover you for a specific length of time (years). Some policies build up cash value and others don’t. Some combine different kinds of insurance and others will allow you to change from one type of insurance to another. Some may offer some other benefits while you are still living, called “living benefits”.There are TWO basic types of life insurance… “Term” and “Cash Value”Term insurance has lower premiums (what you pay) in the early years of owning the policy, however DOES NOT build any cash values that you can use as a financial resource in the future while you are still living. None. The benefit of term insurance is the lower premiums.You can however, COMBINE term insurance and cash value insurance for the period of time that your family would have the greatest need to replace your income. An example of this would be to help your family raise the children, should you die before they are old enough to be self-sufficient.Term insurance simply provides coverage for a term of one or more years. It provides a death benefit only during the specified term and pays nothing once the policy expires or if premiums are not paid.Term insurance typically offers the most bang for the buck… the most coverage for the smallest amount of premium.You can renew most term policies without providing what is called “evidence of insurability”. This means, that if you get deathly ill at the 9 year mark of a 10 year term policy, you can simply renew the policy by continuing to pay premiums and you won’t have to prove that your health is in good standing as you did when you first took out the policy.Keep in mind, that each time you do renew the policy your premiums will go up. Be sure to ask your agent or insurance company exactly how much the premiums will go up when you renew the policy. Check to see if you’ll lose the right to renew the policy at a specific age. For a higher premium, some insurers will allow you the right to have the policy in force for a period that is guaranteed to be the same each year. You would of course have to provide evidence of insurability at renewal time, under that type of policy.During a conversion period, you may be able to trade a term for a whole life policy, or if you have a “convertible” provision in your policy, you may be able to convert your temporary insurance to permanent at any time.Cash Value Life Insurance is a kind of life insurance where the amount of premium you pay is higher in the beginning for the same death benefit (face amount or face value) of a term policy. The part of the premium that you pay isn’t used for the actual cost of the insurance, but rather is invested by the insurance company. This invested amount builds cash value that can by used by you while you are still living in a variety of ways.You can take out a loan against the cash value. If you don’t pay it back, the amount borrowed against the policy will be deducted from the face value of the policy upon death. You can also use the cash value to keep some insurance protection in force for a limited period or to purchase a reduced face amount without having to pay any more in premiums (paid up).Cash Value Insurance is known as whole life, universal life or variable life and each of these different types of cash value policies have differences.Whole Life Insurance provides protection for as long as you live (your whole life) so long as your premiums are paid. The premiums are generally guaranteed and never change. Some whole life policies are paid up in a specific period of years. This is commonly known as “20 pay life” or “10 pay life”. These policies are generally for children as the premiums for this type of policy can be very expensive in later years.Universal Life Insurance is a flexible policy that allows you to vary your premium payments. The face amount of the policy can be adjusted by the policy owner. Increases in face amount will generally require a health checkup to make sure you’re not getting the additional coverage due to health concerns. A part of your monthly premium covers the cost of the insurance (insurance portion is always Annual Renewable Term) and the other part of the premium goes into a separate cash account. This separate account is used for investments by the insurance company and pays interest to you. Or, if the separate account doesn’t earn money from investments, you can lose money. If this amount continues to drop and becomes negative, you will lose your coverage.Variable Life Insurance is a type of policy where the death benefits (face value) and cash values are dependent upon the performance of investments made by the insurer in one or more separate accounts. These may be mutual fund investments, real estate accounts, bond accounts and others. Be sure to carefully study the prospectus offered with this type of policy. With variable life, you may have to pay a higher premium for a guaranteed death benefit.

Are You Looking For Business Loan and Business Receivable?

Looking for business loan generally refers to the process by which a business owner researches and compares the different financing options available to find the one that is best suited the needs and capabilities of the business. Most business loans are available from the Small Business Administration (SBA), commercial banks, and non-traditional finance companies.Most businesses consider the SBA when looking for business loans because this agency’s goal is to help small businesses succeed and contribute to the economy. The most common loan offered by the SBA is the 7(a) loan, which is available to small business owners who have been denied traditional financing and who can prove their ability to repay the funds borrowed. This loan requires applicants to submit business and personal financial documents and a business plan in order to be considered for approval. Other variations of the 7(a) loan may require additional documentation. Interest rates and repayment terms vary depending on the business’s financial stability and the type of loan obtained.Most start-up small businesses do not look to commercial banks when looking for business loans because banks see them as too high of a risk. However, established small businesses may be able to obtain a bank loan with the necessary documentation. Like with the 7(a) loan, interest rates and repayment terms will vary.Another option when looking for a business loan is an independent financial company. These companies usually accept high-risk borrower, such as start-up businesses or businesses with poor credit. Because they do accept high-risk applicants, their interest rates tend to be much higher than SBA and bank loans.People looking for business receivable are usually referring to accounts receivable, an asset account that tracks the money owed to a business. This account is considered an asset because it records money that is legally owed to a company. Businesses often allow individuals and companies who purchase frequently or large quantities of products to buy those items on company credit. To add a transaction to the receivable account, the receivable must be debited and the revenue account must be credited. Once an account is paid off, the account receivable is credited and the cash account is debited to balance the business’s accounting ledger.Businesses who offer credit accounts must be prepared for customers who fail to pay their accounts on time. To encourage quick payments, many businesses offer discounts to accounts paid off within a short time period and charge late fees to accounts that are not paid in time. If a customer continually fails to pay his or her balance, the business has the right to turn the customer over to collection agencies and attorneys to receive payment.Because the business receivable account is an asset, it may be used as collateral for funding. Lenders may allow a business to use the accounts receivable and other assets to secure a loan with a lowered interest rate. Businesses can also sell their receivable account to another company for immediate cash. This financing option is known as factoring, and it is not considered a loan.Looking for business loan?
Looking for Business Receivable?

Business Loans – What You Need to Know

Business loans are very important for any business not just for businesses which are just in the initiation stage, but also well established businesses looking for expansion. Businesses are not that easy to handle especially financially which is why you will find most business people going for the loans to boost their business growth and productivity.The business loans available in the market today are of many kinds, there are secured and non secured loans. Under the secured loans, you will need to give collateral for the loan as security in case you are not in a position to repay the loan. Collateral can be in any form including your home, land or other assets to your name. The unsecured loans on the other hand will not require you to have any collateral to get the loan. However, you will need to have very good credit history for your business and also on a personal level.The loans can be got from banking institutions or other different lenders now flooding the market and they all work on different kinds of policies as far as processing the loans are concerned. Whereas some of the lenders take you through a long process before processing your loan, others will process it within 24 hours thereby giving you immediate boost for your business. You therefore need to choose your lender wisely especially depending on the urgency of the loan you need.Since there are people who do not have any collateral and have bad credit history, but still need the business loans, it can seem impossible to get the loan. However, it is now possible even for such people to get business loans. This is through the bad credit loans for business which do not require you to have good credit to qualify for the loan. This kind of loan for business in most cases will only require that your business be in business for a certain period of time and also be in a position to bring in a certain amount of income on a monthly basis.With such information, the lender is certain that you will manage to repay the loan. The repayment terms are very friendly and you will manage therefore to grow your business and repay the loan at your own pace from the growth. Business loans are different and come with different terms and conditions hence the need to ensure you are well aware of every option in the market before making the final decision.

Low Rate Business Loan – an Inexpensive Source of Finance

Is business loan the only source of finance available to a businessperson? No, there are quite a few methods by which the businesspersons can raise cash for business purposes. Business loans have to compete with government grants, which cost nothing to the entrepreneur. For entrepreneurs who want not to use external sources of finance, they can retain a part of profits to be introduced into business. Again, the entrepreneur has to shell nothing in terms of cost. Therefore, business loan has a tough competition. Hence, for business loan, it is not only optional but also crucial to be available at low rate of interest.What low rate business loans outscore over the other methods is on the point of faster approval. Securing government grants is an arduous task. There are many procedures to be completed. Even difficult are the prerequisites that need to be fulfilled. The process is made so very difficult that entrepreneurs have to think twice upon taking them. Moreover, the chances of receiving government grants in time are generally low.Same is the case with retained profits. It is a tough decision to make on the use of profits. There are number of stakeholder of profit. The decision to reap profits into business will be made at the cost of these stakeholders.Business loans differ from these sources of finance in the sense that it is available as and when the entrepreneur desires. There are several banks and financial institutions operating in the UK, which may be approached for a business loan. If the details mentioned by the entrepreneur in his application form are genuine then he will be approved for loan within a few days of application. Thus, the use of business loans will often be less complex.In the initial part of our article, we dealt with the cost of business finance. We see that government grants and retained profits are available at little or no cost. So how does a business loan compete with these? A business loan competes with these sources of finance in terms of time. A business loan is advanced for longer terms such as 25 years. During the period, borrower can pay loan through smaller payments every month. The sum charged as interest goes towards compensating the loan provider for the opportunity lost. Moreover, interest rate at which business loan is available is competitive.Having chosen business loans from the other sources of finance, entrepreneur still has to make a number of decisions. A principal decision relates to the lender to process the loan request. The low rate business loan is largely dependent on the loan provider. Responsible loan providers will often try to advance the best of deals to the entrepreneurs.If it is becoming a tough task to find a responsible lender then online search will be helpful. An online search involves looking out for loan providers and their offerings through the internet. For beginners, they need to go to any of the search engines like Google, Yahoo, AltaVista etc. On putting the requisite type of business loan in the search box, the search engine will generate thousands of results. The next step will be to search, after studying their offerings, certain number of loan providers, optimally five. These loan providers may be requested for loan quotes, mentioning the terms on which a low rate business loan will be available. Out of these loan quotes, borrowing businessperson can accept a particular quote. A loan provider is thus accepted to process the low rate business loan.Businesses must however make use of low rate business loans keeping in mind the debt equity ratio. Low rate business loans increase the debt and thereby create disequilibrium in the ratio. Business loans often keep a charge on certain business assets. When larger amount of business loans are used, they may result in ill functioning of the business.

Casinos Help Out Gambling Addicts

That last word is not usually mentioned in gambling circles, to be honest. It is one of those tags that society in general uses to label some people and to be frank, sometimes it is overused, giving card games such as poker a bad name. Yet the reality remains. There are people who get hooked too much and cannot control themselves, leading to the erosion of his relationships and life in general.

Not all is lost, though. In fact, at the Viejas Indian Reservation, there is good news for all involved. A group of addiction counselors were trained on the dangers of compulsive gambling. This was part of a movement that casino operators are starting – to help those who are addicted to gambling. Interesting, no?

According to Mark Sauer of SignonSanDiego:

“We don’t deny there is a problem,” said Bobby Barrett, incoming tribal chairman of Viejas, chairman of the California Tribal Business Alliance and a certified gambling counselor.

“We are concerned with the health and safety of the people in our casinos, and with the risk to people within our own tribal communities.”

Self-help, 12-step programs have mushroomed. There were 10 Gamblers Anonymous meetings a week in San Diego County five years ago; today there are 35.

The number of certified counselors who offer the therapy they say is needed to straighten out a pathological gambler is shockingly low.

“I’m the only one I know of actually doing treatment in the county,” said therapist Suzanne Graupner Pike, who has treated troubled gamblers in Vista since 2003. “There’s no money in it.”

The reason for that, Pike said, is the “impulse-control disorder associated with problem gambling is not considered a disease, like alcohol or drug abuse, and hardly any insurance companies cover it.”

And the patients, Pike added wryly, have no money left.

Most gamblers with serious or severe problems, who make up about 4 percent of California adults, according to the state study, have related psychological problems, such as depression, which are covered by insurance, Pike said.

“Society needs to realize we have a medical crisis (with problem gambling), and there should be federal, state and local funds available for education and treatment, just as with other addictions,” she said.

Barrett said the state’s fledgling Office of Problem and Pathological Gambling has a $3 million annual budget. He said that is not nearly enough, noting, “All of that funding comes from California gaming tribes.”

Lefkowitz said there are two basic types of problem gamblers: those who thrive on action, who tend to be men; and those who gamble to escape, generally women.

Now I am not saying I am biased, but it never occurred to me that women would be a great part of this gambling addiction problem! I guess it is a good thing, what they are doing in California. It is just wishful thinking on my part, I guess, that this sort of thing should never have happened in the beginning. Of course, there are some things we cannot control. Still, activities like this one brings hope to those who need it.

Sports Betting System – Don’t Let the Hype Control Your Gambling Discipline!

If you gamble on sports betting systems or are looking to start, do you know all the facts? Do you know exactly what you are getting yourself into? These are stark questions because for some people their heads are swayed by the “unbelievable” amounts of money they think that they are going to win. They become blind to what they could actually lose!

There are two kinds of people who gamble. Pure and simple. Those that gamble responsibly. And those that don’t. And the distinction between them is very clear. People who gamble responsibly always make sure that they know all the facts.

It doesn’t matter whether they are placing a bet on a roulette wheel, or a greyhound race, or the result of a baseball match. These people know exactly what the odds of success are beforehand. They know what the likelihood of failure is. And are prepared to live by the consequences.

In short, they decide in advance how often they will play, how much to stake, how much time they will spend on the activity, and crucially, know when to stop. They also know, and this is important, when not to gamble at all.

It is all too easy to read the glossy, hyped-up, sales pages of the multitude of sports betting products that are out there and believe that there are millions and millions of easy dollars to be made.

Oh, if only that were the case! But the fact is that the vast majority of these so-called sports betting products are nothing more than complete rubbish. They don’t work, they fall woefully short of their outrageous promises, and will leave the person who was trying to follow the system considerably worse off than when they started.

However, this can be averted in two stages.

The first is that no-one should “buy” into a sports betting system unless they have done some research beforehand. There is a whole host of anecdotal evidence that you can find on sports betting systems as to whether the one that you are considering is worthy of your hard-earned money or not.

The second is about your own gambling discipline. Responsible gambling can be hugely enjoyable. It lowers the risk to you, your family and friends.

It should always be remembered that gambling is for fun. It is not a short cut to making vast amounts of money or be used as escapism for some personal problems.

A responsible gambler who is in control of their gambling discipline recognises that sooner or later they will lose, no matter how long a winning streak they are on. They also know that the very worse thing they could possible do is to try and chase and win back what they have lost. The moment they forget that, then they have lost control.

Another important element to responsible gambling is that you only gamble with stake money that has been set aside especially for that purpose. In other words, you are playing with money that “you can afford to lose”. And not money that was earmarked for rent, utility bills and food!

The moment that you realise that you are falling to any of the above traps then you must stop. Immediately. Those that don’t stop end up borrowing money to cover their gambling. The momentum builds up and the downward spiral becomes like a runaway train. The train will eventually will run out of track!

There is a straightforward mechanism that all gamblers should put into place. Whether you are doing sports betting systems or online poker, the principle is the same yet after all my years of experience I am staggered by the number of people who just do not do this.

Record every single bet, stake or wager either in a spreadsheet or on a piece of paper. Then record what you won or lost beside it! Then keep a running win/loss total beside that. Now somewhere on the sheet should be a number, the Stop Number! That is the number that when the loss total matches or is greater then its time to stop.

This is such a simple system to run because it just doesn’t need anything more complicated. If you want to create something more complex then by all means do so, however the more complex the less likely you are to keep it religiously updated. And that is the key to the whole thing. Every bet, stake or wager must be easily recorded so that you always have an accurate picture of your gambling history, be it successful or not!

Ben Tuck has spent several years reviewing all kinds of betting systems. He tried and tested them all to uncover their pro’s and con’s and to discover whether his results matched the ‘over the top’ hype pedalled out by the vendors. This experience has enabled him to quickly recognise the very rare gems from the horde of distinctly ‘average’ systems that are out there.

Why Do People Gamble Compulsively?

It’s easy to think that it’s hard for those of us who don’t gamble to get inside the mindset of those who do. We picture smoky rooms where fortunes can be won or lost in the instant it takes a croupier to flick his wrist. To most of us that seems frighteningly alien. But actually, we all gamble in every day situations where the stakes are far higher than those on the turn of a card.

We might take a new job somewhere, move house or run a red light. We kid ourselves that these are rational choices, but in many ways we are subjected to whims of fate that are far more complicated than those in a straightforward game of chance such as poker or bingo. Our new job might see us working with people we don’t like. We might be out of our depth in new surroundings. Perhaps the reasonable manager of the interview turns out to be an ogre to actually work for. The company could go broke within weeks of us joining. None of these things are quantifiable, and yet they can have far more deleterious effects on our lives than merely dropping $50 in a hand of cards.

Those we define as “gamblers” are typically those who play in a game of quantifiable odds for a certain outcome. We kid ourselves that our own lives don’t contain huge elements of gambling.

Where the gambling impulse in this scenario becomes problematic is that the goals which seem so clear at the outset can quickly outpace your situation. You come into a game with $200 – and before you know it you can be $500 down. Confirmation bias means that we are likely to throw good money after bad to try and ‘get back’ to a winning situation.

Most gambling situations are also ‘zero sum’. If 5 players sit down at the table with $2000 between them, 4 of them will collectively lose most – and probably all – of their share. Most real-life situations do not have that same certainty of total loss. The awful job might be offset by a good salary. The terrible boss might actually spur us on to prove him wrong. If the company as a whole prospers, everyone gets an increased share of the new wealth without loss.

Perhaps that’s the biggest difference between”gambling” in the sense of gaming and gambling with life. Games take place in a short, compressed timescale and you know that your fate could be sealed within hours. In most life situations, events unfold far more leisurely pace. So leisurely in fact that we might not even notice the outcomes happening. Unhappiness can creep up so slowly that we fail to recognise it for years.

By contrast, a gamble in the gaming sense compresses that sequence of events into a few moments. That compressed rush of danger heightens the senses, sharpens our awareness of what’s at stake and unleashes a complex set of emotional and physiological responses that can be deeply, deeply compelling.

Gambling Addiction – No Longer Stuck on the Slots

The highs and lows of gambling can be quite a fix. One minute you’re up and the next minute you’re down. The rush you feel when you get that big hit is exhilarating! You think you have a winning machine so you raise the bet. The first couple of hits you lose, but you’re sure the next one will be the big one. You keep hitting that button – wishing for that big hit. Now you’re down. It feels depressing. You’re not ahead anymore. You lose all the money you came with but you want to keep playing. You’re sure this machine will pay out soon so you go to the nearest ATM machine. Now you’re spending your bill money but you’re sure you will win it back….and more. Does this sound familiar? This is an indication that you probably have a gambling addiction.

Once you have realized that you do indeed have a gambling addiction you need to admit – at least to yourself. Now what do you do about it? How can you rid yourself of this burning desire to run to the slots every time you have money? As a former gambling addict I found the answer. The need to gamble was buried deep within my soul. I had voids that I was trying to fill. Gambling will allow you to fill those voids temporarily. It is only while in the act of gambling that you may feel that those voids are being filled. Gambling will only provide you with a false sense of completeness. You need to dig deep to determine why you have these voids, and then learn how to fill them with good things. The more satisfying you create your life, the less will be your need for this addiction.

So, how do you create a satisfying life? How do you get there? From my experience, you get there one day at a time. You have do good things for yourself every day. You have to give yourself credit when you pay a bill instead of blowing the money on gambling. Following are 4 things I incorporated into my life on a regular basis that allowed me to become whole, completely content and gambling-free:

1. Positive affirmations
2. Journaling
3. Visualization
4. Hypnotherapy

These 4 things allowed me to fill the voids in my life. They allowed me to no longer be stuck on the slots. What an exhilarating feeling it was to finally feel the freedom of no longer having to fight the urge to gamble. You too can have this exhilarating feeling. You can quit too! If I did it, so can you!

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.