By cooldude | May 2, 2013
Although there are a lot of different insurance companies in the market, most of the basics of any company are the same. The insurer is paid in fixed small amounts periodically and the insurer provides you with coverage in your time of need. An extra amount is generally paid over to the insurer to compensate for the coverage and that can be a regular payout amount percentage or just be a fixed amount.
The premiums to be paid are dependent on the coverage, the number of things that are covered and an assessment made by the company of the risks related to the coverage. Medical insurances take care of medical costs but they also cover certain diseases. Athletes and celebrities even insure their body parts in order to draw coverage if they are damaged or injured. They base this requirement for insurance from the talent they provide to the entertainment industry and the value of the talent itself.
By cooldude | April 22, 2013
Cargo or marine insurance is the insurance which covers the loss or damage of goods, or ships, cargos or terminals. The points which are considered are the destination point and point of leaving. There are marine insurance considered on both on shore and off shore trading or shipping facilities. Some of the industries which have to have legalized insurance are container terminals, oil terminals, gas pipelines, etc.
The rules and regulations of the marine or cargo insurance falls under the known Marine Insurance Act and follow the normal, general or standard policy of an SG form. Most cargo insurance terms are unwritten so this is the dicey part. So if you are looking for a cargo insurance company to back you up, make sure that even if details re not provided, you have at least something in written. Details of the business or shipping or government policies should be mentioned.
By cooldude | April 18, 2013
You must have heard many people saying that money now a day is in the air, you just need to spot it and get it. The situation is more or less like this only. You can now earn money online also even sitting at your home without the need to go somewhere else. There are many options for you if you want to make money online. You just need to find out that the thing you are good in and go for it.
Providing virtual assistance for many companies online is a blooming industry these days. In this particular job you need to give online assistance for to the customers of a company regarding the latter’s product installation, maintenance, using, etc. It is very easy, what you just need is a computer or laptop and an internet connection to stay online in chat services for a particular period of time.
You can also work with some company to sell off their products online. You need to think of innovative selling ideas. There are many online shops and shopping website. You will show case the product there on behalf of the company. You will get remuneration at the end of each month depending on the percentage of target you have fulfilled.
You can also work in online content writing or blogging website. You can work both on part time or full time basis for writing contents regarding the products or services offered by a particular company. You can directly contact some company or can work with some agency who has contract with some companies.
By cooldude | April 18, 2013
To file bankruptcy in order to discharge the debt which you had co-signed is not different from filing bankruptcy as a primary borrower. The only difference is that you should let the primary borrower know that you are filing. The moment you file bankruptcy, the lender cannot take money from you even if the primary borrower fails to repay the loan back.
You can hire one attorney to file and then represent to Ohio. You should try attending the credit counseling classes. Ohio will not allow you the counseling session before 180 days of filing. Ohio requires list of information like your last six month income, your list of assets and expenses, etc. You have to fill up the bankruptcy schedules of the court. Next, you have to file the bankruptcy to the court of Ohio. Then attend all the hearing and wait for the discharge.
By cooldude | April 13, 2013
Do you have a bank account? Then someday or the other you will be required to make the use of a deposit slip. This is an itemized slip that is required to be filled by a person making a deposit to the bank. In the deposit slip you are required to fill in the personal details such as account number, name of the account holder and the amount you are willing to deposit. After filling in the details you also need to fill in the details of the denomination of the notes that you are depositing.
There are two different types of slips available. First one is the general slips that can be used by any of the bank account holder. Then there is a personalized deposit slip that contains all your personal details before hand. You can easily buy these slips over the internet from a bank stationary provider. They allow you to select the design of your deposit slip. You can use different text on your slip while designing it. so use the internet and make your own personalized deposit slips easily.
By cooldude | March 17, 2013
Thinking to take a mortgage loan? Then, you must be well equipped with all the details of the loan so that you choose the right mortgage loan for yourself. There are various types of mortgage loans depending on the loan amount, interest and payback options. Borrowers today can choose from a plethora of options offered by the finance organizations and banks.
Have a look at the various mortgage loans and their basic facilities.
• Long term/ Short term mortgage loans.
• Fixed rate Mortgage loans come with a static rate of interest throughout the loan tenure.
• Conventional Mortgage loans are offered to the home purchasers and around 70-90 %of the home amount is given.
• Variable rate loans are loans where rate of interest changes as per market status and principal amount changes side by side.
• Open Mortgage loan do not charge the borrower any penalty for paying back the loan before time.
• Closed Mortgage loan does not allow the borrower to payback earlier and one has to pay penalty.
By cooldude | March 13, 2013
There has always been a lot of confusion regarding annuities and people often make the wrong choice. The different types of annuities make the investment more complex. Some are appropriate for a certain section of investors while some are not. So here is an insight into the basics of annuities and its different types.
The four major types of annuities are as follows:
- Fixed annuities.
- Variable annuities.
- Immediate annuities.
- Index annuities.
Fixed annuities facilitate growth of money and are issued with a fixed interest rate and the least rate. Variable annuities as the name suggests will show you both ups and downs. It depends how well the investments that lay underneath is performing. The third one which is also one of the earliest forms of annuities is instant income providers. As soon as funds are deposited, you will get a stream of income. This type of annuity should be avoided unless you have experience. The only difference with fixed annuities is that the rate is dependent on the performance of market.
By cooldude | March 3, 2013
When you declare bankruptcy, it’s up to you to build your life together again. First of all you should collect your documents from the court which your file under bankruptcy. Check all the repots, make sure they are all “Included under Bankruptcy” and check for the total balance to be at “0”. This kind of situation can happen to anyone and when you seem to be under staggering amounts of debt and there seems to be no money left in your account and no way can be found to repay loans and debts, it’s time to declare bankruptcy.
To recover from this situation, first of all, you should STOP using credit cards. If you need to the car to pay your dues, you should ask your bank to issue you a bankruptcy credit card to repay loans and debts. If you have been thinking of getting mortgage, you must wait for at least two years after filing for bankruptcy. You also must keep tab of your credit reports so keep a copy with you at all time. Manage and plan your finances from the future.
By cooldude | March 2, 2013
Purchase Order Financing is one of the most beneficial finance solutions for the new or small businesses. It can be defined as a kind of short term loan which helps businesses to pay up their suppliers on time so that there is no hindrance in the production process in times of cash crunch.
In many cases, banks are not willing to provide the small or new businesses with adequate loan backup given poor credit records. Shortage of capital is often the most common problem for the small or rising enterprises and in such a situation Purchase Order Financing can be a great solution as it rely on a firm’s financial strength but rather financial power of its customers.
This implies that if you are selling your products to big names or government entities, POF could be a viable support for you. The ideal candidates for Purchase Order loan are the distributors, wholesalers and resellers.
By cooldude | February 27, 2013
If you are nearing the age of becoming a senior citizen, then it is time that you start thinking about some good investment plans for the future. Most people are of the opinion that investment plans should be made at the prime of one’s career and post retirement is not a good time to make investment. However, this is not correct. There are some good investment options for senior citizens and you can opt for them.
One of the best options for senior citizens is the Senior Citizen Deposit Plan which secures post retirement life. This plan will come into affect only once you cross the age of 60. Other good invest options include stocks, bonds and CDs. However, since the stock market fluctuates pretty often, you are advised not to invest a lot of money in stocks. Investing in property is an excellent idea. Buying an apartment and renting it out is an excellent idea.