Wednesday, November 21, 2012

10 Important Steps To Maintaining Your Valuable Networking Contacts

Many people spend hours mingling with other professionals or business owners during networking events, trade fairs or business conferences. You may collect a wallet full of business cards, but do you ever contact them once the event has finished? If not, you're certainly not alone. You may not feel comfortable dialing the number of a new contact without having anything to say.

Hence, I'm going to discuss some steps you should follow so you can utilise these valuable contacts at a later date. You have to remember that the steps you take before you actually follow up will determine how easy or difficult the task will be. If you want your new contacts to be available when you need them, take heed to the following 10 steps:

1. Direct Your Conversation To Meaningful Topics

Remember, you normally have a very limited amount of time to chat with other conference participants. Hence, you don't want to waste any time discussing non-important issues such as the weather. You can spend a few minutes breaking the ice, at which point you should move to more important topics. This will enable you to maximise your time spent with as many event participants as possible.

2. Inquire About Their Professional Interests & Goals

If you find initial conversations with strangers a bit awkward, you can always ask a question about the event you are attending. This will not only break the ice, but also lead the conversation in the direction you want. Two useful examples are "What did you find the most useful point you learned from today's conference"? or "What are you hoping to learn from today?" These types of questions will pave the way for more general questions such as their other goals or their profession.

3. Create An Excuse to Follow Up Soon After The Event

Another helpful tool is to create a reason for you to contact any new people you meet during a business event. For example, listen closely to the other person and advise them that you would be happy to send them a suggestion, call them with relevant contact information or email them a recommendation. This will make it much easier to contact individuals because they will be expecting to hear from you.

4. Create A Follow Up Reason That Creates Added Value

Make sure you find a reason to contact the other person that will actually add value to them, rather than just benefiting you. Hence, there is no point sending a person you recently met your company brochure or resume unless they have specifically requested these documents.

5. Obtain A Business Card With Complete Contact Information

Don't risk losing valuable contact information when networking by scribbling names, email addresses or telephone numbers on the nearest available slip of paper. You should always request a business card so you have many available methods to contact them.

6. Write Notes On The Back Of Your Own Business Cards

Instead of jotting down notes on the back of someone else's business card, try the reverse tactic. Make sure to write down some ideas or specifics that you will follow up with on the back of your own business card. This will jog the other person's memory when you decide to contact them at a later date. This is also an effective method of making you stand out in a crowd.

7. Make Sure You Contact Them Within 2 Business Days

If possible, you should follow up with your networking contacts within 2 business days. If you will be away for a few more days, make sure to call or email as soon as you return to your office. If you plan to be away for at least a week, you can send a short email message to explain that you enjoyed meeting them and will follow up when you return.

8. Don't Start Off Asking For A Lot

You risk scaring off new contacts if you start requesting big favours. Wait until you have established a more solid connection. Minor requests such as the name of a great real estate agent generally aren't a problem. However, larger requests such as an introduction to the head of their company or access to main customers should wait. Very few people are willing to risk their professional reputation for an individual they have recently met.

9. Continue To Add Value Whenever You Connect

If you establish yourself as an individual who continually adds value, you will quickly build up an extensive network of contacts. Continue to send information on relevant areas or offer your assistance if someone needs help or has a question. Another great way to build up your contacts is to send people customers who genuinely wish to purchase their service or product.

10. Be Specific & Provide Context When You Ask

When you're finally ready to request a favour or information, make sure you specify exactly what you require. Explain that you felt they would be the best person to contact. This reveals that you have taken the time to deliberately contact them which will increase your likelihood of receiving a favourable response.

Sunday, November 18, 2012

Get to Know Your Legal Funding Terms

Some companies specialize in legal settlement funding. When people are implicated in a lawsuit, they may apply for a special loan and receive compensation long before they win the court case or create a settlement agreement. Some terms that are unique to lawsuit financing. The following is a list of terms that might be used when someone needs a settlement loan.

Plaintiff
In a civil lawsuit, when a party sues someone else, the party suing is usually called the complainant or plaintiff. They must prove wrongdoing by the other person in the lawsuit in order to recover restitution, which is usually given in the form of money through the legal system.

Defendant
This is the person or persons in a civil lawsuit that is being sued. They are either called a defendant or respondent, depending on the type of lawsuit it is and state in which it is filed. Just because someone is being sued, it does not necessarily mean they have done anything wrong. It is up to the legal process to decide that through a judge or jury trial.

Workmen's Compensation
When someone is injured on the job, the company is responsible for taking care of the worker's medical bills and some of their expenses. The employee may or may not be compensated if they did not follow safety or work guidelines or if the company doesn't have workers' compensation insurance. In some cases, the claim will be denied if the worker did not follow proper procedure in filing paperwork, seeing doctors on an approved list or if they were not scheduled to work at the time of the injury.

Depositions
This is a question and answer session usually conducted under oath with attorneys present. The purpose is to find out general case information and circumstances surrounding the incidents leading up to the lawsuit. There is usually a court reporter present to make an official record of what everyone says. This professional, unbiased person must be paid for their services by the party taking the deposition.

Settling
A settlement is a binding agreement between parties to discontinue the court case under certain conditions. This usually includes a payment to the person suing. The person or business being sued may or may not have to admit any wrongdoing to settle the case. In some cases, the terms of the agreement are confidential.

Settlement Advances
This is a type of cash advance given to an approved plaintiff involved in a case. The finances are usually available within hours or days of applying for financing through a lawsuit financing company.

Settlement Financing
Some companies offer financing to plaintiffs in certain kinds of civil cases. If the application is approved, the person receives an advance on the money they would be awarded in a settlement agreement or if they won their case. The interest rate is usually less than that from standard bank or credit card financing.

CourtTrial
In our legal system, civil cases are planned to go through several steps that end in a trial by jury or judge. Some cases go all the way to trial. Others are dropped or settle before this time.

Filing Bankruptcy
Consumers may make a petition to the court asking for all of their debt to be forgiven because they cannot repay it. This is a very complicated legal process that usually requires legal representation.

Saturday, November 17, 2012

Loans Against Nsc Bonds

When you are in desperate need of cash, you tend to weigh all your options and sources of income, dig out your savings, seek help from family and friends or opt for personal loans, loan against property from bank. Availing a loan against your National Savings Certificate (NSC) is one such option which benefits you in a number of ways.

What NSCs are:

National Savings Certificate is a bond issued by the Department of Post, Government of India across the country to anyone who wishes to invest in a long term savings scheme (6 years). It increases your invested amount and also exempts you from paying tax on the amount of the bond. Since there is no lid on the amount you can invest in NSC, you can buy them for any amount you want starting with Rs100.

Loan process:

These NSCs come handy as a security deposit when you require a loan according to your requirement for example personal loans. All nationalized banks, some private banks, and financiers support this form of loan. To start with the process, you need to go to the same post office that granted you the NSCs and pick up relevant forms based on the number of NSCs you plan to pledge. On approaching a bank, you need to fill the form with details about your NSCs. The bank manager will verify the details and sign indicating his approval. You need to again go back to the post office and pay a processing fee of Rs5/- per NSC bond that you pledge. The post office will check and confirm the pledging by stamping a seal on the bonds with the name of your bank giving you the loan. Submit the NSC bonds to the bank manager and fill up a loan application form similar to the regular loan request processes. The sanctioned loan amount will be transferred to your bank account within 2 working days time. The loan amounts sanctioned is usually calculated as 75% of the face value of your bonds (it is similar to that of loan against property, here the property is your bond) and the interest amount accrued from the bonds till the date of loan application. The banks may charge you a small fee as processing charges too.

Eligibility:

The only eligibility for availing a loan against your NSC bonds is that the bonds should be in your name, if you are the applicant. The loan amount and tenure also depends on the number of years that the bond has left to reach maturity.

Benefits of loans against NSC bonds:

The process of availing loans against NSC bonds is fairly simple and fast thus ensuring you receive the loan amount in no time as compared to the formalities for availing other loans like personal loans. There is no extensive paperwork involved and interest rates are not very high. This type of loan especially works as a boon for rural citizens as they face hardships to avail loans such as personal loans, home loans or business loans from banks without much property to show for or have their property already pledged with the local financier. The NSC bonds can be unfledged once you clear the loan amount.

Loans against NSCs help the system because they make good use of the invested money and helps in revenue generation.

Tuesday, November 13, 2012

Looking For A San Diego Mortgage Lender

If you're thinking about moving to the San Diego area, there are quite a few things that you need to keep in mind prior to making your move. Among the most essential of these things is the San Diego mortgage lender you decide to go with to finance your loan. With all of the alternatives out there for mortgage companies in the San Diego area, you may feel a bit intimidated by the choice you have to make. The details on the mortgage that you end up with should be entirely in your favor as long as you do not rush your decision at all and there are no hidden fees in the agreement. When looking for a home lender in the San Diego area, here are some useful things to make your research easier where your able to get the loan you need at a good monthly price.

Asking family members, friends or business associates who have moved recently are good places to start out. The people in your life that you're nearest to will be able to give you good, unprejudiced information that you know will have your best interests in mind. This is a far better way to begin your search than by reading online testimonials written by people you've never met and do not know anything about. As you're actually talking to these people, you can put together a list consisting of the mortgage companies they recommend, while making another list of the ones they recommend you stay away from, if any. You can research lenders individually once you have established a good starting point of prospective companies.

There are several ways you can research lenders on their own. The internet is a fantastic way to find simple information. No doubt the information offered on many company websites will be beneficial. If you're looking for more exact information relating to the particulars of your situation that will affect the terms of your loan, you can call the loan companies in question for that information.

To help you find the appropriate San Diego mortgage lender, it might be wise to consider investing in a mortgage broker. Although it might cost you more money for the short term, a mortgage broker will help you get the deal that will work best for you and just you. Getting their clients the best deal possible is the job of mortgage firms, it is also the job of these people to get you the very best loan possible. A mortgage broker works with different lenders in order to figure out which one in particular will be the best option for you. In addition to acquiring the best deal for you on a financial basis, a mortgage broker will also be doing the majority of the heavy lifting, so to speak as you sort out the process. A lot of the stress can be taken off your shoulders when working with a mortgage broker, which makes life much easier for you.

Purchasing a home is one of the greatest, if not the biggest, investment you'll make in your lifetime. While things can certainly get annoying as they drag out, the most important thing is to be sure you stay patient and to make a level headed decision. Prevent headaches down the road and consider when looking at purchasing a home to consider getting a mortgage broker to help iron out a good deal with lenders.

Sunday, November 11, 2012

Accounts Receivable Factoring as a Solution to Increase Cash Flow

At certain times in your business cycle, whether you are a start-up business or a well-established veteran, cash flow is critical. Whether times or tough, or business is booming, cash flow challenges can cause unwanted stress and limit your growth potential.

Everyone knows the magic equation for a financial success: spend less, make more. Or, limit your expenses and increase your income. There are a hundred tips for saving money, and perhaps even more for making it, but when it comes to cash flow, you can really make an impact by turning your focus to your accounting department. There are two key principles to follow. In accounts payable: Keep your cash. In accounts receivable: Get your income as soon as possible.

Keep your cash. When it comes to limiting expenses we must turn to accounts payable. There is absolutely no need to pay any bill before it's due. Do not pay it early, do not pay it late. It's so simple, it bears repeating: Pay your bills only when they are due. When in cash crunch, keep that money in your pocket as long as you can.

Get your income as soon as possible. The second half of the equationincrease your incomemay leave you thinking, easier said than done. Some might think a quick fix for cash would be to take out a loan. Unfortunately, not everyone has this option, nor is it always good business decision. Besides, if you get down to it, this is not really your income, just someone else's money. The focus should be on the income you currently are earning and how to collect it faster. Here we turn to the accounts receivable department.

Your existing receivables are really assets that possess cash value. Rather than simply waiting to get paid, there is an option to reap immediate benefits from outstanding invoices: accounts receivable factoring, or invoice factoring. You can sell your accounts receivable (one or all of your invoices) at a discount to a third party financial institution called a factor. You then immediately collect cash on that transaction. The factor is then is responsible for collecting on the invoice. (Eventually, they will collect the full amount.)
This is different than a bank loan in a few ways.

Factoring involves three parties (seller, buyer, and factor) instead of just two. Also, the factor is not providing a loan but is actually purchasing an asset. The most important distinction is this: in order for a bank to offer a loan to your business, you must have good credit; conversely, in order for a factor to buy an asset from you, they consider the credit-worthiness of the buyer, your customer (the person who owes you money). This is critical because it means that regardless of the credit standing of your business, factoring is an option for you to obtain cash.

Accounts receivable factoring is a perfect solution for anyone unwilling or unable to take out a loan. Arguably, it's an ideal solution for any business looking for immediate cash flow. A small start-up company with not enough credit is constantly in need of cash for growth and expansion. An established firm may need a little boost to get through a tough time, or because they too are expanding.

When cash flow is critical, turn your attention to the accounting department to provide the solution. Spend less by holding on to your existing cash as long as you can, and make more with invoice factoring services. The combination of the two will result in cash flow freedom for your business.

Wednesday, November 7, 2012

Three Tips on Handling Private Student Loans Successfully

Paying for college has become challenging for many people. The current state of the economy is forcing the costs of tuition to increase. Some of the more established loan and grant sources are drying up. This is putting many high school graduates in a position where they have to search for new loan sources. Many high school counselors are encouraging some of their students to enroll in the military, in order to save money and qualify for The G.I. Bill.

Most people know about federal government loans and grants, but there are some people who do not meet the qualifications that are required to receive funding from these sources. Where can one turn to when he or she is not approved for a grant or federal government loan? Fortunately, private student loans are available for individuals that are interested in furthering their education. Recent statistics show, that more people are applying for private student loans as time progresses.

Finding collegiate private loan sources is not as difficult as some may think. Consulting with academic advisors is one way of getting more information on private sources that are offering money for college. There are also many books that contain multiple listings of outfits, which have private money to spare. These books can be found within libraries and book stores.

Receiving private funding for education is a serious step, which should only be taken by someone who is willing to commit to earning a degree. One must be prepared to pay the principal and interest back, once their education is completed. This is one factor that is often taken lightly by many. Next are a few tips that can help college graduates handle a private student loan responsibly.

Earn A Degree

Earning a degree is the entire purpose of getting a loan. Coursework should be the top priority for all students who are using private funding. It would be a waste of time for one to get a private loan, and fail to finish college.

Double Payments

Future installment payments are expected out of borrowers. It is okay to make timely installment payments, but one should pay more than what is required monthly. Doubling the payments can help one pay off the loan sooner. This strategy also attacks the interest rate that is attached to the loan.

Supplemental Income

A full time job may not be enough to address private student loans. This is certainly true when it comes to a dental school loan. Getting an extra job can help secure more capital, and alleviate any tension that usually derives from paying back student loans.

Paying for college is becoming more challenging, due to the present state of the economy. Fortunately, private student loans are available for anyone who cannot get a grant or federal aid. Following the three tips listed above, can help anyone manage private student loans successfully.

Monday, November 5, 2012

Coping With Career Change

Lost your Job? Experiencing a sudden or unexpected career change? Worried about your future?

The emotional response to career change is similar to dealing with loss as characterized by Kubler-Ross.

Denial

There are typically two stages of denial that occur with sudden or unexpected career transitions. The first stage is typically very brief. There may be a short suspension of belief in which it is hard to imagine that you no longer have that job. The facts are pretty hard to deny, the position was there one day and you were gone the next day. Regardless of the circumstances, it is fairly difficult to deny when this fact when that door has been closed.

The second and more dangerous period of denial occurs when lifestyle is not altered, even though the income has changed. In many cases, denial is subsidized by a severance package, a golden parachute, or unemployment benefits. The employer no longer provides the ongoing checks or benefits coverage, but the income if otherwise subsidized and therefore lifestyle if not substantially altered. This form of denial can be very dangerous and should be quickly resolved. With time the severance package, unemployment benefits, or personal savings will start to diminish and eventually run dry. It is difficult to predict exactly when the next position or career will create a new source of income, and it is difficult to determine how the compensation and benefits will compare to previous position. When the change occurs, it is a very good time to begin assessing your financial responsibilities and expenses.

Each month as the credit cards statements, rent or mortgage, and other expenses arrive, use that as an opportunity to evaluate the necessity of the expenses that you incur. It is a common habit that expenses grow in proportion to an individual's ability to support the expenses. Clothes, cars, and eating habits are examples of expenses that easily adjust with a person's ability to sustain the expense. Subscriptions, hobbies, and miscellaneous expenses are often forgotten or disguised personal expenses. Every time that you pay an invoice, consider how that costs compares to your personal hierarchy of needs and how you can be a little more frugal in your expenditures. If you can reduce your expenses now, it will continue to bear fruit, even when your income is restored.

Anger

It is natural to be angry when events impact a person's routines. It is natural to feel anger when events interrupt an individual's ability to support a family or otherwise jeopardize financial responsibilities. It is natural, but is it productive? If the career change is due to personal lack of performance on the job, then there is nobody to blame but yourself. If the career change is due to financial hardship by the company, thereby resulting in overall job reductions, then there is nobody to blame at the company that is also struggling to survive. Organizations have a responsibility to support clients, customers, shareholders, and the remaining employees to the best of the ability of the company. Whatever the cause of the career change, the natural responses of anger and frustration lack direction and therefore offer no source of consolation.

Do you feel the energy that comes from frustration, anger, or enthusiasm? Emotions charge the body with adrenaline and create energy. Even negative emotions like frustration, anger, or worry can create an emotional charge that can be redirected into positive energy. If you sit still and let negative emotions take control, then you may find yourself drowning in continuous waves of negative thoughts and concerns. Rather than slip into depression or self-pity, use that energy to give you incentive to concentrate on positive projects. For example, invest your energy in reworking your resume. Begin making lists of opportunities and invest your time in researching companies that are showing positive growth. Start educating yourself on other aspects of your industry or profession. Use that energy that makes you shake with frustration to put your fingers to work on the keyboard, flipping pages, or dialing phone numbers. If you still have energy left over after you have worked every possibility, then go for a walk and release that energy with some positive exercise.

Depression

The hunt for your next career position may take some time. Economic challenges may restrict the job market and create seemingly overwhelming competition for a limited number of positions. Constant concerns, coupled with a sense of responsibility, can create fertile grounds for depression. If you feel this happening to you, remember that it is a choice and you have control over it. Depression occurs when you allow yourself to feel remorse because events and timelines are not occurring according to your plans. This does not mean that the forces of the universe are working against you, but it could be a strong indication that it is time to change your plans. Sometimes it is necessary to abandon your plans completely and pause to properly evaluate the options available to you. This may mean changing your lifestyle, changing your career, or allowing yourself to take an intermediate transition in another direction. Allow yourself the flexibility to adapt to the situations and opportunities that are available to you. This does not mean that you are settling for less than your full potential, but it does mean that you have the self-confidence to allow yourself to expand your talents and experience in previously unexpected areas. Allow yourself the flexibility to abandon or temporarily shelf those expectations that are causing your depression and give yourself the freedom to adjust your career or lifestyle to take advantage of what is available to you at the moment. When it seems that you cannot make any progress in the direction that you are going then allow yourself to move in the direction that gives your life momentum.

Bargaining

Once you have overcome denial and accepted the sometimes life-altering changes to control your expenses, and after you have overcome or bypassed the feelings of anger or depression, it is natural to begin a process of personal bargaining. This phase is the internal conflict of balances wants and needs with reality and resources. It is a process of justifying small concessions for the greater good. It means offsetting minor sacrifices by placating yourself with some rational of purpose or personal reward.

The process of internal bargaining can be a positive process if it means an awakening realization of the positive outcome of your decisions and actions in contrast to the investment of selective sacrifice. However, it is very important to consider the long term commitment associated with such bargaining. If the sacrifices are worth the return of a lasting career or long term relationship, then it is merely an acknowledgement of personal investment. If the sacrifice results in ethical conflicts or may otherwise require sustained commitment that you are not willing or able to make, then the bargain lacks substance and is doomed to failure. Do not negotiate commitments that you are unwilling or unable to sustain, not even to yourself.

Acceptance

Welcome to the club! There are millions of individuals experiencing various stages of career transitions. You are not alone and you are not really competitors. Each person is looking for the next opportunity to match personal talents and capability with the appropriate corresponding position. Likewise, organizations are searching for the most appropriate candidate in accordance with the job requirements. It is not a competition or a popularity contest. It is a giant puzzle in which all of the pieces are trying to find the perfect fit. As you look for your next opportunity, help those in your network to do the same. If you find a position that is suitable for someone else who is in career transition, take the time to make a recommendation and help good people discover good organizations. Helping others in your fellow career transitioning tribe may encourage them to help one another, and inspire them to help you too. Even if the favors are not returned, you will have the personal satisfaction of helping others.

Once you have accepted that your life has changed, there are countless new opportunities that are open to you. Be ready for new experiences and be prepared for more unexpected challenges. The experiences are all part of the learning process. You could have spent countless months or years in the rut of your routine, but you have been given an unexpected opportunity to apply your talents and experience in new ways. You have been given a personal invitation to expand your capabilities and to meet new friends. It can be unsettling when it is unexpected, but you can use this is an opportunity to invest in yourself and in your future.

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Words of Wisdom

"'There's new energy to harness, new jobs to be created, new schools to build, and threats to meet, alliances to repair. The road ahead will be long. Our climb will be steep. We may not get there in one year or even in one term. But, America, I have never been more hopeful than I am tonight that we will get there. I promise you, we as a people will get there. There will be setbacks and false starts. There are many who won't agree with every decision or policy I make as president. And we know the government can't solve every problem. But I will always be honest with you about the challenges we face. I will listen to you, especially when we disagree. And, above all, I will ask you to join in the work of remaking this nation, the only way it's been done in America for 221 years block by block, brick by brick, calloused hand by calloused hand."
- Barack Obama, Election Night Speech

"If government could create jobs and raise children, socialism would have worked."
- George Gilder

"Emergencies have always been necessary to progress. It was darkness which produced the lamp. It was fog that produced the compass. It was hunger that drove us to exploration. And it took a depression to teach us the real value of a job.
- Victor Hugo

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Wednesday, October 31, 2012

Mortgage Broker Training Keeps Your Company In Compliance

Keeping your company in compliance with the laws is essential to the overall success of any business. This is a general fact in most businesses, but when you are operating within the mortgage and financial industry, there are swift penalties to be paid if you are non-compliant. Fines and even imprisonment can be what you are facing if you do not have the proper knowledge and training. Consumers had somewhat lost faith in using a broker to find their loan when there had been so many foreclosures caused by broker activity. Borrowers depend on the honest assistance of mortgage brokers and the housing industry has renewed some of their faith by instituting new regulations. By staying within the regulations set forth, mortgage brokers can now have a lucrative business once again.

Mortgage broker training is not optional when you are running a mortgage business. Training is necessary for all employees, whether you are considered an originator, loan officer or the owner of the company. There are many new rules since 2008 when the Federal Reserve and HUD revised their regulations to prohibit unfair practices. Disclosing yield spread premiums is also one of the new rules, so that the consumer is fully aware of what they are paying. Your mortgage broker training will cover these new laws, as well as adhere to the SAFE Act. SAFE stands for Secure and Fair Enforcement for Mortgage Licensing Act. It was placed in effect to regulate broker's activities and to ensure that every rule is being followed.

According to the SAFE Mortgage Licensing Act of 2008, the roles of loan officers, processors and originators have been more defined. There are licensing requirements for anyone that will be originating loans for the public. Loan processors and underwriters that are supervised and not directly performing origination duties will not require licensing or registration. Licensing is no longer an option for independent loan originators or contractors, so it is advantageous to find the mortgage broker training that offers courses for loan originating to remain in compliance with the law.

The SAFE Act mortgage broker training will entail 20 hours of study towards your NMLS approved education. The training will consist of 2 hours of instruction relating to nontraditional mortgage products and lending standards, 3 hours of laws and regulations on the Federal level and 3 hours worth of ethics. The ethics area will include consumer protection rules, instruction on fraud and all of the fair lending issues. In addition to those 8 hours of training, there will be an extra 12 hours of instruction that is undefined on the practices of mortgage origination. When you are finished with those courses, you can take the NMLS state and federal tests to achieve the licensing that is required in your state. Being properly trained and licensed is the best way to protect your company and its assets.

If you are looking to obtain your state issued mortgage broker license and want to run your own business, there may be other stipulations that you will need to fulfill, along with the mortgage broker training. Licensing for originating loans and operating a business, along with holding a surety bond are a few of the things that may be required for your state. Each state has a list of requirements that you will need to investigate in order to stay compliant. No matter where you broker the mortgage loans, you should look into the training that will keep your company compliant and successful.

Tuesday, October 23, 2012

Square Trade

History & Description of the Service

In 2000, Square Trade launched a cutting edge service to help ebay buyers and sellers resolve disputes on the internet. With the growth of internet commerce, it had become widely recognized that buyers and sellers had no meaningful recourse for resolving disputes that arose from online transactions. Consumer advocacy groups decried the need to protect buyers from online fraud, and sellers on eBay begged from some mechanism to protect their online reputations, such as the feedback system at eBay, from being unfairly discredited. Square Trade launched its dispute resolution service in 2000, receiving its first dispute within 15 minutes of creating an active link from eBay. The mediation service quickly become the largest utilized dispute resolution worldwide, either offline or online.

Square Trade chose to provide mediation, which is a service that assists parties in reaching a negotiated settlement agreement. Mediation is completely voluntary; nobody is forced to participate. Mediation keeps the control with the parties, unlike other models of dispute resolution such as arbitration or a judge & jury. This type of resolution service works effectively because it keeps the parties in complete control of the process and avoids all of the legal jurisdictional quandaries with which the internet challenges legal scholars. Consumer groups were satisfied that buyers would maintain their rights and business advocates were pleased that sellers could be given a mechanism for protecting their reputations.

During Square Trade's history its online dispute resolution service has been expanded to resolve a wide range of disputes beyond the world of ecommerce and eBay. For example, in significant numbers it handled service disputes for eLance, an online services marketplace, and offline real estate conflicts between buyers and sellers for the California Association of Realtors.

Square Trade's network of online mediators draws from an international group of trained and highly experienced online mediators. To join Square Trade's service, mediators are required to have had extensive offline mediation experience and to successfully complete Square Trade's rigorous online training program. The flexibility and cutting edge nature of the work has encouraged most Square Trade mediators to remain committed to the work. All of the current network of Square Trade mediators have been working for Square Trade and handling eBay disputes for well over four years. This group brings sophisticated experience to both their mediation practice as well as understanding the nuances and complications of online mediation.

Does it Work?

Online dispute resolution has been shown to efficaciously resolve problems. Square Trade's experience has shown that several factors enhance the likelihood that an online system will lead to successful resolution of the dispute.

First, parties will be much more likely to settle if they have enhanced reasons to participate, such as geographical distance rendering in person meetings costly or difficult, jurisdictional boundaries making legal systems more challenging to navigate, or structural incentives to participate such as consequences for failing to participate such as a contractual mediation clause or eBay's feedback system.

Second, complex or emotionally charged situations will be more effectively resolved with the assistance of a skilled mediator who knows how to handle emotions in written communications, is aware of distinct cultural norms, and can leverage the mediation process and online technology to create meaningful opportunities for parties to express themselves and transition to resolution.

Third, a tailored online technology such as Square Trade's can facilitate resolution. A clear and well designed intake form enables the parties to appropriately express themselves entering the mediation. A secure arena for participation also fosters crucial trust in the process and system.

Fourth, the disposition of the parties is crucial to a speedy resolution. Researchers from the Kellogg School of Management at Northwestern University published a study of Square Trade's dispute resolution service in the Academy of Management Journal that showed that parties were more likely to resolve a case when they focus on resolution and avoid expressions of anger. See Emotions and Rationality in Mediation: Evidence from Electronically-Mediated Disputes, Friedman, et. al. Jan. 2003, referenced here.

Square Trade's ODR Service Today

Now in its eighth year of service, Square Trade has refined its mediation services to best meet the needs of eBay buyers and sellers. eBay users who have a dispute that includes a feedback issue may, for a small fee, file a case with Square Trade. The filer enters the relevant eBay item number and a brief description of the problem. Thereafter Square Trade's system will obtain relevant details from eBay directly, and contact the other party to notify them of the dispute. Square Trade's system and mediators handle the case according to rules and guidelines established by eBay for reviewing feedback disputes. Most cases are resolved within two weeks.

Monday, October 22, 2012

Information to Gather Before Appointing a Real Estate Attorney

Real estate attorney is basically an authorized legal adviser or representative who can help you sell or purchase a particular property. The property may include any tangible ground, homes, land, furniture or fixtures. Others may include organizations, huge shopping malls, hotels, restaurants and many such properties. Real estate attorney deals in issues including partnership contracts and deals, economic failure or bankruptcy, licensing agreements, business leases and several other issues of similar nature. Are you facing difficulties in dealing with a specific asset or land? Your difficulties have now come to an end with the growing number of experienced lawyers. You can now appoint a good real estate attorney to deal effectively with your property issues. If you have made a choice of appointing a lawyer to put a full stop to your problems, you have made the right decision. Hiring a real estate attorney will save you from a lot of time consuming things like paperwork.

Once you have made a choice of appointing a real estate attorney, the question that arises as to what to do in order to select the best real estate attorney. This article will bring to your knowledge the answer to this question. With growing economy, realty business is also evolving with time and the need and demand of a real estate attorney is also increasing as he is the only person who can guide you rightly to deal with property related issues. Some people might prefer consulting a professional adviser without realizing the fact that these advisers do not have the legal expertise required like a real estate attorney. A real estate attorney can better deal with property issues as compared to professional advisers.

Best real estate attorney will not only provide you with legal advices but also support you and guide you with property related problems that you might face in the upcoming years. Through the process of finding an appropriate lawyer, take advice and assistance of your close links, neighbors and relatives. Refer to people who have personally experienced similar situation and can provide you with useful and valid information. Other possible and easily accessible source is the internet. Everything can easily be found over internet including a good real estate attorney. Almost, all law companies have an official site. These websites contain all the required data about the lawyers available in their company. You can draw down the names of the lawyers suitable for your case and arrange an appointment via telephone or email. This information can also be obtained from the bar association located in your town. There is some information that is essential to obtain from a real estate attorney before making your final hiring decision. Some inquiries that are required to be made are discussed as follows:

Question regarding their past work experience in this field and the kind of issues they had dealt with in their past cases.
Verify his education and status.
Inquire about the work environment in their firm and the resources that he uses to resolve a problem.
As you will be paying him for his time and expertise, it is important for you to know about his availability. Make sure that he is able to give you sufficient time.
Last, but not the least, inquire about the fees he charges and evaluate whether the amount he is charging is worth the services that he is offering you.

Obtaining the above information will help you appoint a good and an experienced real estate attorney for all your property or land related problems.

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Friday, October 19, 2012

The Hercules Dj Control Mp3 E2 Review

The Hercules Dj Control MP3 e2 review, metal-reinforced dummy could survive the apocalypse again pastoral aliment the party moving. Integrated that metal ads up to 15 pounds, however, so prepare to dispel the myth of digital DJ Mixer, rigs preventing back strain.

The Hercules RMX, accomplishes two feats: veritable functioning as a USB audio card for routing 17-bit, 45kHz audio to and from your Mac or PC; besides indubitable works whereas a MIDI hardware interface for your DJ Mixer, software.

The Hercules RMX, is a competent USB DJ control come out and DJ software for Windows and Mac OSX operating systems. The control surface includes analog connections for incorporating external CD decks and turntables, as in truth in that providing balanced further unbalanced outputs to the live pattern. DJ Mixer, software is included and enables computer DJs to access besides mix MP3 files on their Windows or Mac OSX computers.

The most finance matter about the Hercules RMX, is the drivers, besides thankfully Hercules has updated them for windows 7 further Mac compatibility. Prevalent midi controllers on the tout selling yet are discrete Vista capable, hence exist wary of other productions selfsame this. They besides receive a substantial support forum, and a splendid customer service record. Regard that if you're having problems in DJ Mixer, Software you answerability Google the come out and observe the answer.

The brushed aluminum facade of the Hercules RMX, includes an impressive six faders, 49 illumined buttons, and 16 knobs, offering the most control you amenability find importance a DJ Mixer, console at this price rank. Measuring 14 inches far and 10 inches deep, the Hercules RMX, build offers notably of room to play around, with well-spaced controls also buttons.

You'll also find a fuse of quarter-inch headphone and microphone inputs on the front and face of the Hercules RMX. All these audio connections add unraveling to one of the most flexible USB DJ consoles we've tested, allowing turntables, microphones, vinyl players, and speakers to all plug engrossment one central mademoiselle of mixing hardware.

Thursday, October 18, 2012

Major Changes In Indirect Taxes

V. S. Datey

1. Budget 2009 was presented before Parliament on 6-7-2009. The major changes in indirect taxes are summarised below:

2.1-No change in existing rate of service tax - Existing rate of service tax of 10 per cent continues unchanged.

2.2 -New services and expansion of some services - Four new services are proposed to be taxed. Coverage of some existing services is proposed to be altered/enhanced. The levy on new services and expanded services will be effective after Finance (No. 2) Act, 2009 receives assent of President and date is notified.

2.2-1- New Services

a.Transport of goods through rail.

b.Transport of coastal goods and goods transported through inland water.

c.Legal services of consultancy, advice or technical assistance (but not service of appearance before any court of law or any statutory authority). Service will be taxable only when provided by business entity like firms, associates, enterprises, companies, etc., but not individual.

d.Cosmetic and plastic surgery undertaken to preserve or enhance physical appearance or beauty.

2.2-2- Coverage Of Existing Services

a.Job work under Business Auxiliary Service (BAS) is exempt if there is manufacture'. Now, this exemption is available only if excisable goods' are manufactured. Thus, if alcoholic liquor is manufactured on job work basis, the exemption will not be available.

b.Sub-brokers have been exempted from tax. They will also not be liable under Business Auxiliary Service as commission agent.

c.The word acquiring' IT software is being changed with retrospective effect from 16-5-2008 to providing'

2.3- Service tax on transfer of right to use IT software - Packaged, i.e., branded (canned) software is excisable goods' under Heading 8523 80 20 [earlier 8524 91 11, 8524 91 12 and 8524 91 13]. The rate of excise duty is 12% w.e.f.
1-3-2008. Information Technology Software falls under Heading 8524 40 11 of Customs Tariff. Duty is free'. Thus, on import of software (branded or tailor-made), there is no customs duty. However, excise duty of 12% is payable on branded (packaged or canned) software. Hence, CVD was payable if packaged or canned software is imported.

The issue was whether both service tax and CVD/excise duty are payable on transfer of right to use software. It is now provided that service tax is payable and not CVD or excise duty [Notification Nos. 22/2009-CE and 80/2009-Cus dated 7-7-2009].

2.4 -Works contract composition scheme - So far, in case of works contract, if tax was paid under composition scheme at the rate of 4.12%, the value of material supplied free by customer was not required to be included. Now, this value will have to be included while calculating gross amount of works contract'. Further, if contract is split and some amount is shown as sale', that value will also be includible for purpose of calculating gross amount of works contract'.

2.5- Exemptions

a.Private bus operators providing point-to- point transportation of passengers having contract carriage permit' have been exempted from service tax.

b.Inter-bank transactions of sale and purchase of foreign currency when undertaken by scheduled banks has been exempted.

2.6- Services provided to installations, structures and vessels in continental shelf of India and the EEZ - Services provided to installations, structures and vessels in the continental shelf of India and the EEZ by person outside India will be Import of Service' and the person receiving the service will be liable to pay service tax under reverse charge method.

2.7 - Modifications in refund scheme of services utilised by exporters Scheme of refund of service tax on services utilised for exports has been modified. In case of GTA service and services of foreign commission agent (where service receiver is liable to pay service tax), the service tax is exempt [Notification No. 18/2009-ST, dated 7-7-2009].

In case of other services, the procedure has been simplified and (hopefully) refund will be obtained within one month on basis of self-certification or certification of CA [Notification No. 17/2009-ST, dated 7-7-2009].

2.8- Cenvat credit when exempt as well as taxable services provided - If both taxable and exempt services are provided, the assessee was required to pay 8% amount' under rule 6(3)(i) of the Cenvat Credit Rules w.e.f. 1-4-2008. Now, the amount' payable is 6% of value of exempted services w.e.f. 7-7-2009.

2.9- Duty rate - The general rate of excise duty continues to be 8% (Rate of service tax continues to be 10%). In case of many items, the duty rate which was 4% has been increased to 8%, except a few items.

In case of textile sector, the provision as applicable to manmade and natural textiles was disturbed when excise duty was reduced from 14% to 10% w.e.f. 7-12-2008 (and later to 8%) Now, duty regime as prevailing prior to 7-12-2008 has been restored.

3.0-Exemptions from duty

a.Branded jewellery has been fully exempted from excise duty (The duty rate was 2% till 6-7-2009).

b.Goods falling under Chapter 68 manufactured at the site of construction for use in construction work at the site have been exempted [Sl. No. 10 of Notification No. 5/2006-CE, dated 1-3-2006 amended w.e.f.

7-7-2009] (They had become liable to duty in view of amendment to definition of excisable goods' in section 2(d) of Central Excise Act amended w.e.f. 10-5-2008)

a.Printed laminated rolls manufactured with brand name of another person would be eligible for SSI exemption.

b.EVA compound manufactured on job work basis for further manufacture of footwear has been exempted.

3.1- Service taxon transfer of right to use IT Software and no excise duty - See para 2.3 above

3.2- Cenvat credit when exempt as well as taxable service provided and exempted as well as taxable goods - See Para 2.8

Similarly, if both dutiable and exempt goods are manufactured, the assessee was required to pay 10% amount' under rule 6(3)(i) of Cenvat Credit Rules w.e.f. 1-4-2008. Now, the amount' payable is 5% of value of exempted goods w.e.f. 7-7-2009.

3.3- Input does not include steel, cement etc. used for construction of shed, building or structure - Explanation 2 of rule 2(k) of Cenvat Credit Rules has been amended w.e.f. 7-7-2009 to clarify that Input' shall not include cement, angles, channels, Centrally Twisted Deform bar (CTD) or Thermo Mechanically Treated bar (TMT) and other items used for construction of factory shed, building or laying of foundation or making of structures for support of capital goods.

Tuesday, October 16, 2012

Qualities Of A Good Mobile Website For Automotive Dealerships

People are increasingly relying on their mobile phones to research online before buying a product. They are using mobile phones to compare (prices and features of products) and buy.

When it comes to purchasing vehicles, which generally are big ticket items, customers tend to do more research before they buy one. This trend is necessitating the need of a good mobile website for auto dealerships. A good mobile website should have certain qualities; some of them are mentioned below.

Mobile and desktop versions - both should look similar
Many customers might have already used the desktop version of your auto dealership website. So, it is imperative to design a mobile website that is a replica of desktop version for the sake of consistency. This can be achieved by keeping the visuals in both the websites alike. By doing this, even the new users will not get confused when they toggle between the desktop and mobile website.

Simple design that effectively optimizes real estate available
Mobile phones have less space compared to desktops. Hence, the mobile website of your auto dealership should also have a minimalistic design. You may have hundreds of things to show to your customer, but think from the user's point of view what he looks once he enters your mobile website, what would be the better way of presenting things and the like. Based on this, prioritize things and place only the important and useful things for the user. Also, the navigation should be well structured to facilitate customers to complete a task with fewer clicks.

Quick load time
Compared to wired broadband connections, mobile Internet connections are slow. That is, the data transfer takes more time. So, the mobile website should have a user-friendly design in order to facilitate fast loading even on slow Internet connections. Further, as every auto dealership website will have vehicles' images to show to customers; if the page takes more time to load due to these images, customers may get frustrated and leave the site. Therefore, it is better to optimize images so that they don't affect the page load times of your dealership website.

Readable content
The content provides the necessary information to customers. Therefore, make sure that content is in readable text to suit the mobile website. It should not force the user to zoom the page view.

Optimized for various screen sizes
Different mobiles will have different screen sizes. Your auto dealership mobile website should be optimized to fit every screen size. There is a technique called responsive design. Use this technique to design the website, which enables automatic accommodation of the website to scale up and adapt to fit any screen size.

Cross platform compatibility
People use different mobile phones that operate on different platforms like iOS, Android, etc. Therefore the website should be designed to load and operate well on all the platforms. For example, iPhones will not support flash, so designing a website with heavy flash content is not appropriate for iPhones, iPads and other platforms which do not support flash. Therefore, it is better to use only the technologies that will operate well on all platforms.

A good mobile website should have these qualities. Don't lose out the chance of increasing your sales by providing a sub-standard mobile website to your customers.

Sunday, October 14, 2012

Residential Real Estate Markets Crumble from the Bottom Up

The real estate market can be visualized as a massive pyramid. There are very few multi-million dollar properties at the top of the pyramid, and a large number of relatively inexpensive entry-level properties forming the base. Like any structure, if the foundation is weakened, the structure may collapse. In the same way, housing markets collapse from the bottom up due to problems with affordability.

The foundation of a residential real estate market is the entry-level buyer. Entry-level buyers are generally young people starting to form new households. When homeowners want to sell their house and move up to a nicer one, someone needs to buy their house. If you follow this chain of move-ups backward, eventually you come to an entry level buyer. If there are no entry level buyers pushing the sequence of move ups, the entire real estate market ceases to function.

The entry level market was initially boosted the moment 100% financing became available because many more people were enabled to purchase; however, it was imperiled at the same time because of the change in savings incentives. This market was subsequently destroyed the moment 100% financing was eliminated because few entry-level buyers had a downpayment and very few people were in the process of saving to get one.

In the past, people would rent and save money until they had the requisite downpayment to acquire a house. The barrier to home ownership was not the ability to make payments; it was having the necessary downpayment money. When downpayment requirements go up, the number of people capable of buying a house declines considerably, particularly for entry-level buyers who must save this money rather than transfer it from a previous sale. Since few potential entry-level buyers were saving money during the rally, sales volumes suffered dramatically in the wake of the bursting real estate bubble.

The weakness in the base of the housing market is going to serve as a drag on sales and pricing for many years to come. The government will likely come up with some artificial stimulus to encourage sales, but once the stimulus wears off, the same underlying problems will resurface. We must rebuild the base of the housing market through savings and stable financing. This will take time because the bad incentives and practices of the Great Housing Bubble.

Wednesday, October 10, 2012

New Media, New Profit Model Builders Turn On Both Sides-jin Danuo Led Display

12v led strip light Jin Danuo on both sides double LED display, it is in LED display of Foundation Shang increased has three surface double transform picture of function, both combination, disadvantages, makes its both three surface double of scale momentum, and has LED full color display of raging storm; rage tempestuously gorgeous, day for three surface double using, let which two a surface alternating flip, each motor 90 watts of power, both avoid traditional plane advertising of dull and plane of and savings has energy, solution has general electronic display day electricity volume large, Display problem of insufficient under direct sunlight. Go out in the evening and the third, becoming a full-color LED display, making the effect, more diversified forms, without air conditioning and artificial unattended, minimum 55 watts of electricity consumption per square meter, is the traditional LED display one-sixth.

G4 led bulb On both sides double LED display, day is fixed of II a plane advertising, night is full color LED display, both can Omni-directional meet Telecom, and real estate, large customer clock cover requirements, and can good to service Yu video advertising customer, day of II a fixed customer, magnificent, advertising benefit good, customer willing to long-term put, night of LED video effect, not only can play video customer, also can secondary day of customer do promotion, such as play company image tablets,, to reached more angle brand publicity, Realization of advertising effectiveness value, flexible operation mode, zero-risk, zero investment burden in the late, customers can to develop more flexible advertising model, while demand in their own profit, to better protect the interests of advertisers.

led rgb controller And traditional LED display compared to, Jin Danuo on both sides double LED display investment operations more flexible, traditional LED display only play video advertising, on requirements full days Hou cover of large customer,, on only always bemoans has, large customer of loss on LED large screen operators,, not micro-vascular bleeding, but active pulse rupture, long this down, traditional LED large screen under itself investment difficult, and operations cost large, and advertising cover, limitations, will difficult to can negative global, Then unable to realize win-win situation for advertisers and customers.

So-called "troops is not dynamic, stores first", traditional LED large screen in investment zhiqian on must light screen operations, and operations of cost and extremely high, investment smooth is good, once blocked will will directly threat to operators of survival, and Jin Danuo on both sides double LED display is on limited of space for maximum degree of development and using, makes same location implementation profit times even a dozen times times of value-added. Same location, both Tri-fixed income, and LED display multiple customers, optimized portfolio will give customers more flexible business model, completely solve the customer later operations investment problems.

LED display for both sides to Jin Danuo case, compared to the traditional LED display and 200 square meters, Jin Danuo LED display on both sides of annual electricity savings of more than $ 300,000! Minimizes operational costs, and tri-use during the day, LED display actual work time up to 7 hours a day, saving energy much more than these. Its unique mode of work, effectively avoid attenuation of LED display screen to work long hours to speed up electronic components age, greatly extending the life of the screen. If existing national traditional LED displays LED display on both sides be replaced by Jin Danuo, when power 4 million-kilowatt a year, equivalent to the consumption of a small town for a year, while reducing carbon dioxide emissions by about 50,000 tons, not only of the Government of low-carbon and energy-saving requirements, evasion more effectively, electricity, power cuts and shortages of electricity, etc.

Jin Danuo invention patent "bomb axis 360 drive system", Duo color image processing chip, 28 items national patent, on both sides double LED display by virtue of low, and efficient, many advantage for user save large of expenditure, makes user in investment pricing Shang more flexible; without air conditioning and hand unattended, save has operations cost, to guarantee profit space maximize; unit module of of design easy maintenance, without regularly cleaning. Jin Danuo LED display on both sides also have superior wind resistance structure, strong winds from the triangular prism gap and patented designs of Venetian-style back through, minimizing air resistance, ensuring high security. New forms of expression, very low operating costs, quality of rock solid, allowing users more flexible investment strategies, while demand in their own profit, to better protect the interests of advertisers, good cooperation to achieve win-win situation.

Monday, October 8, 2012

The Mechanics Of A MTN Private Trading Program

Considering that top major banks issue Medium Term Notes (known as MTNs and Mid-Term Notes) to raise funds in both U.S. and Euro dollars, we can better understand that they are for the purpose of generating Operating Loans and issuing Letters of Credit to businesses which wish to buy material and products from other business organizations in other countries. To further expand on this in laymen terms, this therefore results in an International Treaty whereby the U.S. Dollar (or the Euro) becomes the common Medium of Exchange for International Trading.

By Federal Law, a European bank is not allowed to sell such Medium Term Notes directly to the Public. They must be issued and sold through a Federal Reserve Licensed Trader; just as in the same context a Corporation or a Municipality must sell Bonds through a Dealer or Underwriter.

The Trader, aiding in the distributional sales of newly issued MTNs from the major sized Bank will have a B (Billion) contract (or of equivalent amounts) with the Issuing Bank to purchase MTNs for immediate resale. This Trader would instigate the following:

A Non-Revocable Contract (see further explanation in Paragraph A) with an Exit Buyer, such as a Pension Fund, to buy those MTNs from them immediately, and with a contract with a Participating Investor, acting as the Trader's 'Associate' to furnish the Proof Of Funds (POF) required, simply as a formality, to start and continue the Purchase and Resale series of Transactions.

The Trader also makes contractual arrangements with their own bank, through their bank's 'Back Room' Trading Department, to act for them during the Transactions of 0M (Million) or greater. This 0M amount is the minimum set by the U. S. Federal Reserve for this type of Bank issued MTN Distribution.

The 'Associate' thereby arranges for their own bank to issue to themselves a POF using 0M in Cash Funds, which are wholly owned by them, in their account at their own bank. This enacts the ability to obtain cash credit of 0M for the POF. This POF is then sent to the Trader in accordance with the contract between Trader and their 'Associate'.

It is important to note that Medium Term Note Trading is a very specific process. When less than experienced Associates expect absolute perfection and "up-to-the-minute" communication, these immediate reactions inevitably cause more delays, short-comings and frustrations on behalf of not only the Associate but the Trade Platform as well.

Several factors influence the timing of entering a trade; the current availability of Medium Term Notes, which can easily be in short supply, the timing of the trade submission and the specific programs that cancel without notice. On occasion, these unexpected market trends give a false illusion resulting in the sophisticated MTN Trading Platform to appear chaotic. Nothing is further than the truth.

Below is a typical scenario of a Private Mid-Term Buy/Sell Program.

a. The Trader's Bank communicates with the Issuing Bank as well as with the Exit Buyer's Bank, obtaining a detailed agreement with the Issuing Bank Officer and with the Exit Buyer's Bank that they are both prepared to commence the contracted series of Transactions. The Exit Buyer's Bank forwards a POF to the Trader's Bank for the amount of the first purchase of 0M (Note - When a POF has been issued for the Exit Buyer and forwarded to the Trader's Bank, there is a legal Funding Commitment to complete that Transaction, which may NOT be revoked while the transaction is taking place).

b. The Trader's Bank forwards to the Issuing Bank a POF in the name of the Trader and requests that a MTN be issued in the name of the Trader, along with an Invoice at a discounted price, say for example only M, payable in 8 Hours.

c. A copy of the Note and an invoice at M, is forwarded to the Trader's Bank, which authenticates signatures and MTN terms to verify compliance with the Purchase Contract.

d. The Trader's Bank then forwards the copy of the MTN, along with a Conditional Assignment of the MTN, to the Exit Buyer's Bank, along with an Invoice at the Exit Buyer's Purchase Contract Price, 0M for example purposes, payable in 4 hours.

e. The Exit Buyer's Bank authenticates signatures, verifies compliance with the Purchase Contract, and pays the 0M Invoice price to the Trader's Bank for credit to Trader's account, within the 4 hour limit.

f.The Trader's Bank pays Issuing Bank's Invoice for M within the 8 hour limit, along with instructions for the Original MTN to be sent to the Exit buyer's Bank by courier.

g. The Trader's Bank debits the Trader a Bank Fee (1/4% for example purposes) for their Services Rendered, and forwards the balance, 0M minus M minus 1/4 %, to the Trader, who pays the Trader's 'Associate' for their Service Rendered.

h. The Procedure used for this example, typically takes place 4 times each day of a 4 business day week, and repeats until the Trader's Purchase Contract is completed. Using this formula, the weekly payments to the 'Associate', would be equal to 22% of their POF amount. (3% per transaction x 4 per day x 4 days per week = 48% - 4% as Bank Fee = 44% / 2 = 22% = M per week)

Note: The Operation described above is a very conservative one. There are other MTN Trade Operations, of the same MTN basis but involving a resale of the MTNs by the 'Exit Buyer', which have a higher Rate of Return to the Trader involved, and therefore an even higher payment to the 'Associate' involved.

An experienced Associate can safely state that with the listed procedure and controls for the Transactions, the only reason for a Transaction failing, once commenced, would be for the Exit Buyer's Bank to default on completing a contracted purchase of a Note, which would result in a jeopardy to their Bank Charter.

Should any default take place, it would be quite simple for the Trader to make the required Payment, using their own Funds, to complete their purchase of the Instrument, and to immediately sell it to a different contracted Exit Buyer. This action by the Trader eliminates any risk of loss by the Buyers and Exit Buyers and 'Associate'.

NOTE: With minor variances in the connection of an Investor's Funds to a Trader's 0M Operating Fund, an Investor may enter into an Operation with M, or more, with similar percentage payments to them for services rendered. By the same token, an Investor may enter into a trading operation with as much over 0M as they have available.

Thursday, October 4, 2012

Improve Your Odds Of Getting A Home Loan By Making Use Of A Mortgage Broker

If you are not part of the elite wealthy, being able to buy the house of your dreams is one of the hardest things you will ever have to do on a financial level. In most cases, the average person will have to apply for a home loan in order to get a house. Getting a home loan isn't necessarily simple. Many individuals will find that they have to apply for a loan through several companies until they find one that will approve their loan. A mortgage lender must be very careful who they give loans to, as they need to make sure that the person or persons on the loan is going to pay it back on time.

Unfavorable credit scores are often the culprit of declined home loans. Lenders will also need to look carefully at the hopeful homeowner's time frame at their job and income as well. If these things are not all up to snuff as far as the home lender is concerned, it can be tough to get your loan application approved. When you are in this type of situation, you may find help the help you need by hiring a mortgage broker.

Most people are unacquainted with what a mortgage broker is. Basically, a broker is a person that acts as the middleman in between the home buyer and lender. Anybody who is new to the world of buying a home should look into getting help from a broker. Brokers will help by managing the confusing paperwork so that the buyer needs to only read the application through and add their signature to the paperwork.

A broker will function on your behalf to identify a company that will take a chance on your mortgage application. This helps save you the time and headache of repeatedly applying for a loan and having it rejected. Whereas you will probably find all the legalese and paperwork highly confusing, a broker understands exactly what paperwork is needed. One of the greatest things about getting assistance from a broker is that their help will increase your chances of being approved, and they will also try to help you secure an interest rate that is lower than what you might find on your own.

It is very important that you choose the right lending firm to ensure that you get a loan that you are able to afford to repay within a reasonable time frame. You'll have a good chance of doing this when you have the help of a mortgage broker in your court. With that said, it is also just as essential that you hire a broker with the right credentials. Precisely like you would do your research to search for a doctor, you should do the same when choosing a mortgage broker. You need to have a highly qualified individual who has a stellar record in his or her distinctive line of work.

National mortgage lenders are companies whose end goal is to make money off of the interest they charge. If the lender feels that you or anyone else simply cannot pay the loan back as needed, they will turn down your application. If you cannot pay the loan back, the mortgage lender will lose money. A mortgage broker will help you navigate this confusing path. If you wish to have a home that you can enjoy, your best bet is to boost your odds of securing a loan through the help of a mortgage broker.

Sunday, September 30, 2012

12 month loans

Loans, no doubt, have become an indispensable part of human life. With increasing demands that cannot be fulfilled with limited monthly salary you often look for external financial assistance that can be utilized to meet sudden unexpected needs. However, not everyone is fortunate enough to zero-in on a deal that provides instant cash. With sole objective to offer monetary aid to all types of customers, financial market of the United Kingdom has crafted 12 month loans. These loans are a short-cut to bid goodbye to all your worries. So, your long list of wants is no more a dream as these loans come to your rescue just at the right time.

Applying for this amazing loan facility has never been so quick and easy. Shop online to fetch some of the best deals and bring back your financial life right away. Virtual world of internet offers some of the best deals that suit your pocket as well as existing requirements. Intense competition amongst lenders has proved beneficial for borrowers for they have an option to select from range of options available. You will find one lender offering low interest rates and other offering loans on easy and flexible repayment terms.

These loans are sanctioned for tenure of a year or twelve months. You can fetch this loan under both the unsecured and secured format. Under secured format a borrower has to pledge some valuable asset or property as collateral with the money-lender. Loan amount issued depends upon the evaluation of the valuable assets placed as security. On the other hand is unsecured format that enables you to fetch credit without pledging any type of collateral. Here, total amount approved depends upon your repaying ability and current financial status. Of the two, it is unsecured format that has gained immense acceptance amongst tenants and non homeowners.

Advancing credit through this loan facility you can fulfill your entire middle month financial dilemma. Cash issued under it is sufficient to pay for your pending bills, wedding expense, medical needs, vehicle repair, plan a holiday with family, pa your college fees or get a home renovated. You no more have to face the discomfiture of seeking monetary aid from friends and family. Just apply online and let yourself live a peaceful life.

12 month loans can be availed by all without having to get involved in nay kind of paperwork formalities. It is this hassle free approach that has added to the popularity of this wonderful loan facility. As a matter of fact, segment of the population suffering from tainted tags such as arrears, individual voluntary arrangements, late or non payments, bankruptcy, defaults, county court judgments or foreclosures are free to apply for it. So, you can now escape from all your monetary woes within the stipulated time.

Sunday, September 23, 2012

Best Locations In Mumbai To Buy Residential Property

Mumbai-the commercial capital of the country and home to the Indian film industry, has always been a preferred choice for buying, selling or renting properties in India. It is recognized as an IT/ITES hub and this has led to a thriving demand for properties. Despite the skyrocketing real estate prices, the city has something to offer for every class of the society to invest in real estate.

Due to large scale urbanization in the suburbs, Mumbai is expected to see very high demand for residential space of approximately 16.40 lakh units. The mid-scale and affordable housing in suburban and peripheral areas will be the focus of this demand.

The eastern suburban areas of Navi Mumbai, like Kharghar, Airoli, CBD Belapur, and Sanpada which have been getting a lot of infrastructural developments, happen to be good investment options. Rates in Navi Mumbai range between Rs.3000 to Rs.5000 per sq ft. While the North Western and Eastern suburbs continue to be the preferred locations; in Mumbai, the demand has continued and there are some new projects coming up in South Mumbai. Also, Central Mumbai areas e.g. Wadala, Sion etc are coming up with new residential ventures.

Navi Mumbai is getting the larger share of the pie, as most of the real estate projects are coming up here and the prices are affordable as compared to Mumbai. Many options are still available in Mumbai, wherein you can afford to have an abode of your own. Lets have a look at a few of them:

Kurla- One of the major suburb of Mumbai, the suburban railway station lies on the Central and Harbour line. Lokmanya Tilak Terminus lies near to the Kurla Suburban Station, which is a terminus for out passenger/express trains. It has its own railway junction and is 3.5 Kms away from the domestic airport and 13.5-14kms from Mumbai Central and Mumbai CST respectively. The locality has got Engineering Colleges as well, apart from lots of schools and various other educational institutions.

Borivali- The Borivali suburban railway station is on the Western Line. Located in the North-Western Mumbai, it is one of the few places in the world that has got a National park within the city limits-The Sanjay Gandhi National Park. There are a number of well known educational institutions managed by the Franciscan Brothers. The very famous amusement park, "Essel World" and Asia's largest water park "Water Kingdom" are located here. It is at a distance of approximately 18 Km from the airport and 32 Km from the Mumbai Central.

Sion- The Sion suburban railway station lies between Matunga and Kurla on the Central line. There are a few residential projects coming up in this area. The Central Labour Institute is nearby and other schools and colleges are also there. Not only the local trains, but also the Sion BEST bus depot connects it well to other localities like Wadala, Dadar, Antop Hill, Bandra etc.

Vikhroli- This Mumbai suburb has a railway station with the same name on the Central line. Similar to many other areas in Mumbai, it is divided by the railway line between two parts, namely Vikhroli East and Vikhroli West. There has been a proposal for a bridge to be built over Thane creek to Kopar Khairne, Navi Mumbai, the third linkage between Navi Mumbai to Mumbai. It lies between the Ghatkopar and Kanjurmarg Suburban Railway Stations.

Chembur- Located 22 Km to the North-East of Churchgate, Chembur is located in the eastern part of Mumbai. The Suburban Railway station of Chembur is on the Harbour Line. Owing to its central location, it is well connected via roads to Navi Mumbai, Ghatkopar, Sion, Kurla, Mulund, Mankhurd, Panvel and Thane. The NG Acharya Garden or Diamond Garden, Sandu Garden and Pestom Garden. are the major attractions of Chembur. It is about 20 Km from the international airport and 18 Km from the CST railway station.

Jogeshwari- Jogeshwari Suburban Railway station lies on the Western Line between Andheri and Goregaon. Jogeshwari-Vikhroli Link Road or JVLR, as it is popularly known connects it to the central suburb of Vikhroli. The place is mostly inhabited by Muslims and Maharashtrians. The suburb is named after Goddess Jogeshwari. There are some earlier caves in the eastern part of the region, dedicated to Lord Shiva and Goddess Jogeshwari. There are some of the well known schools and colleges in the area.

Ghatkopar- One of the richest suburbs of the city, the place is filled with all kinds of shopping centers, jewelers' shops, cloth shops, eateries etc. It lies on the Central Line of the suburban railway station, between Vidyavihar and Vikhroli. North Bombay Welfare Society High School (Ghatkopar West), Fatima High School (in the border area with Vidyavihar), Gurukul High School (Ghatkopar East), Garodia High School (Garodia Nagar), Ramji Assar High School (Ghatkopar East) area few private schools in the area. For arts, Science, Management, Engineering and Medicine streams, the famous Somaiya family of colleges is here. In addition, the suburb is served by at least three Municipal schools. It lies 6 Km from the international airport and about 18 and 16 Km from CST and Mumbai Central respectively.

Goregaon- It is a major suburban railway station on the Western Line between Jogeshwari and Malad. It is in the northern part of the city and is easily accessible by buses, trains, auto-rickshaws and taxis. Not only has it housed the famous film studios Filmistaan and Film City (in Goregaon East) but also the cinemas like Anupam and Samrat. Goregaon West is known to have most of the shopping centres of the locality. The Western Express Highway and Linking road lie on either side of the area. It is primarily a middle class locality.

Malad- It is well known for Marve/Aksa/Erangal beaches where the famous Raheja group hotels Resort/Retreat are situated. It is on the Western Line of the Suburban Railway between Goregaon and Kandivali. There are a number of shopping centres, markets, theaters etc in the locality. Malad East has many popular housing colonies like Raheja Township, Govind Nagar, Mahindra Nagar and Pratap Nagar. Mahindra Nagar is a clean and green society, which was nominated as the second most pollution-free area in Mumbai by Eureka Forbes after Aarey Colony in Goregaon.

Area-Avg Price/Sqft(INR)-Avg Rent/Sqft (INR)
Kurla(East/West)-6092 / 7688-21 / 29
Borivali(East/West)-6330 / 6884-21 / 18
Vikhroli(East/West)-6051 / 6609-19 / 24
Ghatkopar(East/West)-7458 / 6880-26 / 24
Malad(East/West)-7204 / 5336-24 / 25
Jogeshwari(East/West)-9190 / 7309-32 / 28
Goregaon(East/West)-7605 / 7968-25 / 25
Chembur-8367-25

The above localities offer a lucrative option for real estate investments. These are well developed and have a better infrastructure in comparison to the developing Navi Mumbai suburbs. Also, they offer a cheaper rental as well as capital values, when compared to the Mumbai's Golden triangle, Malabar Hill, Breach Candy and Altamount Road and other costly areas, where residential properties sell in the range from 40000-62000 Rs/Sqft .

Thursday, September 20, 2012

Features Of Bin Number List

Bin number list consists of the bin numbers of all debit, credit and charge cards. The list is either computer generated or obtained from financial institutions. The bin numbers can also be obtained from firms which process credit card payments. Bank identification number shortly called us BIN is also known as Issuer Identification Number. This comprises the first four to six digits of the card which when entered in the search column of a bin database yields the information in a format which is easily retrievable and verifiable.

Completeness

The bin number list is a collection of bin numbers issued by various financial institutions which provide card services. Whether it is a visa, master card, American Express or Deposit cards, the bin number list includes them all.

Range

Considering the issuing institutions, there is a specific range to which the service provider sticks to while issuing cards. Some of the most common providers and their reference ranges are mentioned below.

Visa cards start with a number 4 whereas Master Cards start with numbers from 51 through 55. Diners club cards start with the numbers from 36 to 38. Discover cards begin with 6011 or 65. The American Express cards begin with 34 or 37 whereas JCB cards start with 35. A joint venture of Diners club and MasterCard has issued cards which begin with 35.

Accuracy

The accuracy of bin number list is the most important criterion for a perfect credit card bin search. Most of the licensed versions claim 99% accuracy. Although 100% accuracy is unachievable, with regular updates and original source of data would definitely help to maintain the accuracy.

Ease of search

The bin number list should be in an easy format allowing a flexible search. Most bin databases allow an easy search which requires only the entering of the first six digits of the card. The bin number list should be relatively simple and organized so that the search is relatively easier.

Uniformity

The records associated with the bin numbers in the bin number list should be uniform. For example, the banks name should be the same when the issuing bank is same. Some bin databases tend to spell the same bank in different ways. When it comes to automatic filtering of suspicious bin numbers, such disharmony of records can pose a problem for merchants.

Cost effectiveness

A bin database should be cost effective so as to give a reliable bin number list and associated data. Licensed versions do cost a bit high, but gives the advantage of multiple searches per computer or per network. Free versions do not have such flexibility and are more limited in their bin searches usually up to ten for each network. The number of accurate records also counts towards the cost. However the bin number list should be having the maximum number of bin details at the minimal cost.

Compliance to privacy policies

Most nations have well laid rules on privacy of personal data especially those relating to financial status of the individuals. The bin number lists are perfectly legal to be used in the credit card verification system and hence the merchants need not resort to any measures which are against the law.

Friday, September 14, 2012

Advice On Quick Cash Loans

Borrowing and spending money can carry a lot of risk. If it's your money, the concern is even bigger. With paycheck loans, you want money security. With these quick loans, you want to be smart in handling your money.

Finding a lawful business to borrow from is the first step. If you want to see the business and work with people face to face, going into a personal loan business is a good way to critique it. Analyzing a cash advance site online can be more difficult. The drop in the economy paved the way for more lenders to take advantage of the situation. Borrowing money online is only acceptable if you can depend on the business. One of your requirements should be that the company makes all its lending practices available to you. There should be no hidden fees or charges. You should know all expectations upfront. Only work with the lenders who value openness and honesty.

You should also look for a company with a good history of lending. You want a business that lends money sensibly. The nature of the cash advance system is no excuse for weak principles. The most fit lenders don't make claims that they can't actually meet. Web searches can help you determine which lenders are best. Consumer groups and lawyers are only a couple of the groups who have articles that analyze these kinds of lenders.

No doubt you don't want to be overdue on your payday loan repayment. The nature of the cash advance business is to impose harsh penalties for late payment. Still you should be aware of what the lender is entitled to do and how you should respond. A lender has no legal right to harass or threaten you. It's dangerous to give personal information like a social security number or credit card numbers on the phone. If you ask, legitimate lenders should be willing to send you information in writing. There are several government agencies where you can report illegal practices.

There's one vital key to handling loans: be smart. Don't be afraid to ask questions or do a little research. It's your money, and you can protect it best.

Wednesday, September 12, 2012

Payday Loans Online Payday Loans Assistive Fact

I am sure your quest for Payday Loans Online Payday Loans has come to an end as you read this article. Yes, gone are those days when we have to search endlessly for Payday Loans Online Payday Loans information or other such information like Cash Till Payday Loans, Fast Cash Advance, Fast Payday Advance, Quick Cash Loan California, Online Payday Loan Nevada or even Payday America. Even without articles such as this, with the Internet all you have to do is log on and use any of the search engines to find the Payday Loans Online Payday Loans information you need.

If you do not use your cash advance wisely then you could end up in a much deeper financial hole that could make you believe that you need to get a bigger cash advance or other loans, and then you are on a very dangerous course of action, which will probably lead to bankruptcy. Don't take your money from a Payday Loan and waste it, or you will be in worse shape financially this type of loan should only be used as a last resort when all other types of finance are unavailable to you.

Further extensions require additional payments. The percentage of the additional charges varies for each loan amount. Such charges are levied so that one would pay back the loan without many extensions. These companies help in getting people cash when they need it the most. These companies offer convenient and flexible payment schedules, and also extensions and early loan sanctions, to fit any budget.

Low-cost payday loans are a significant way of getting extra money to cover unforeseen expenses. If you need cash urgently, and you're considering several options to get it, a payday loan company provides you with ultimate service. The key to getting rid of high fees and keeping the loans economical involves borrowing small amounts of money and more importantly repaying on time. If you are not aware about online options, it is advisable to get accustomed with it, as they give you a much lower cost payday loan as compared to traditional lenders.

MEANWHILE -- I hope you have been able to get a full grasp of the main points related to Payday Loans Online Payday Loans or other related Canadian Fax less Payday Loans, Payday Loan Leads, Cash Francisco Instant Loan San, Collateral Loans, Rate Payday Loans and No Tele check Payday Loans in the first half of this article. Whether you answer Yes or No, keep reading as there is a lot more to uncover in this article that will excite you.

First, let's take a look at how payday loans work. Usually the lender will agree to lend you a specified amount of money for a certain period of time. For example, let's say you needed 0 to cover some unexpected expenses. You would borrow the 0 and write out a postdated check for two weeks hence to cover the amount of the loan plus the finance fee, which would be around for this size loan. So, in two weeks the lender expects to be able to cash that check for 0 to recoup the loan extended to you.

Payday cash advance loans are usually extended two weeks more regularly than not, but few lengthen the loans up to 18 days. When the fixed time of the period to reimburse comes around, and you do not have the means to pay back the credit you will pay the finance fee and roll the payday advance over to the next paycheck. The cycle can become disparaging.

As detailed as this article is, don't forget that you can find more information about Payday Loans Online Payday Loans or any such information from any of the search engines out there such as MSN.com. Commit yourself to finding specific information therein about Payday Loans Online Payday Loans, and you will.

A breakdown study shows that payday advances has both positive and negative aspects. Most lenders announce these loans are fast with straightforward approvals and that loan companies will not look at your credit. These are flexible in spirit so the borrower can relax because the transaction is discrete. The bulk of advances is issued to borrowers to assist them in helping everyday expenditure on utilities, such as overdue bills or reconnection fees. Many borrowers employ the advances to cover bounced checks and the bounce fees, which are regularly unreasonably larger than fees on a payday advance.

We discovered that many people who were also searching for information related to Payday Loans Online Payday Loans also searched online for related information such as Quick Payday Loan Without Checking Account, Easy Quick Cash Loan, and even Instant PayDay.

Wednesday, August 29, 2012

An Online Resume Is A Very Good Idea

The modern business world reaps so many different benefits from the Internet. Employers and job seekers alike have found that all aspects of communication are greatly enhanced by the advent of the world wide web. One of the most important ways that our modern approaches benefit both those who are looking for employees and those who are looking for work can be found in the idea of an online resume.

From the job seeker's perspective, this is an incredible development. Electronic documents can be copied and shared with absolutely no difficult and with no fear of a loss in quality. More importantly, they can be posted on web sites (your own or that of an aggregating service) where they will stay unaltered and always accessible for an impressively long time.

More to the point, if you have your curriculum vitae posted on the Internet you can be reasonably sure that anyone who is looking at it is seeing the most up to date and current version. Each time you need to make a change or an addition to the document, you can update the posted version instead of having to remember where you sent paper copies.

Many employers keep copies of CVs and job applications on file if they think there might be a use later on. Sometimes a company will only hire one of two people to test out a new department or work protocol, and once this trial period is over they may be looking to greatly expand their number of workers. An electronic CV will always be accessible to the prospective employer.

There are also several sites which act as intermediaries between the job seeker and the person who is looking to hire someone. From an employer's point of view, the ability to search a vast database of information according to whatever relevant keywords they choose can be an incredible time saver. The lack of physical paperwork also makes the prospect of sifting through dozens of applications somehow less daunting.

Indeed, someone who is looking for a new staff member and who is searching through a job hunting database that caters to those who are looking for work will be able to conduct their research from almost anywhere and at almost any time. As long as there is an Internet connection, they can even peruse the CVs of prospective employees in a coffee shop if they so desire.

When things are convenient for both the job seeker and the employer, the job opening will likely be filled quickly. This can be a very important benefit for both parties.

Consider using an online resume to help you increase your job opportunities. It is considerably more convenient for all concerned, and it enables you to have your information accessible at any time by anyone in the world. If you are an employer, make sure to investigate the various online services which house these CVs in a way that allows searching. The Internet is perfect for interpersonal communication, and this is just another way to demonstrate that fact.

Monday, August 27, 2012

Ten Offline Industries That Need Online Marketing

How important is online marketing for businesses that conduct most of their transactions offline?

Lindsey Miller, Director of Creative Studios at Miles Technologies, shares insight into the importance of online marketing for all industries even those that operate primarily in the traditional marketplace. "With the overwhelming majority of today's consumers using search engines to research products and services before they buy, simply having a physical storefront is no longer sufficient for attracting customers and making sales," Miller reports. "Regardless of whether your business is conducted on or offline, you must have a website that is highly visible in internet searches in order to attract potential customers in your service area."

Miller stresses that failure to engage in online marketing can have devastating results on an organization' success. "If you are waiting to take your marketing efforts online just because most of your business is conducted offline, then you risk missing out on an alarming amount of potential customers in your service area."

According to Miller, the following traditionally offline industries can benefit greatly from a well-designed website and a strong virtual presence:

10. Automotive Repair/Car Dealerships
9. Health/Beauty/Fitness
8. Construction/Contracting/Landscaping
7. Hotels/Travel/Food Services
6. Legal Services
5. Retail
4. Healthcare/Medical/Dental
3. Plumbing/Home Repair
2. Real Estate/Rental
1. Education/Daycare

Miller emphasizes that the need for online marketing is not limited to the industries listed above. "Online marketing is quickly becoming critical to survival in today's economy. Every business, regardless of industry, should be working to gain a competitive edge in the virtual marketplace."

Saturday, August 25, 2012

Allstate Motorcycle Insurance: Basic information

Can I rent a bike to get around after an accident?
No. But you can rent a car if you purchase Rental Reimbursement coverage and your bike is damaged or stolen. Allstate will help cover the cost.
Rental Reimbursement
If you purchase this coverage and your motorcycle is damaged or stolen, we'll help cover the cost of renting an automobile.
Do I need coverage for aftermarket parts?
Yes. When you upgrade your bike, you're increasing its value. You want your insurance to keep up. If you add less than ,000 of custom parts, you're automatically covered with Allstate's Comprehensive and Collision Coverage. If it's more than that, you can get up to an additional ,000 of coverage.
Lease/Loan Gap Coverage
If your bike is stolen or totaled, you're not at a total loss. Gap coverage pays the difference between your motorcycle and the amount remaining on your loan or lease. You must have Comprehensive and Collision Coverages in order to purchase Gap Coverage.
Towing and Labor Costs
If your bike breaks down or you're in an accident, don't worry about the cost of getting it home or to the shop. Towing and Labor Costs Coverage will typically reimburse you (up to the applicable limit) on all Harley-Davidson, Touring and Touring Sport motorcycles. It's also available for all other bikes at an additional cost.
Am I covered out of state?
Allstate motorcycle insurance helps protect you in all of the lower 48. And if you can get there, the other two as well.
Am I covered in Canada or Mexico?
Canada, yes. Mexico, yescovered within policy limits and only up to a certain mileage.
Can I turn coverage off temporarily during the winter?
No. We don't offer a 'lay-up' option. But your rates do account for seasonality of your state - providing low rates year round. This keeps you ready to ride when that unseasonably warm winter day rolls around.
I don't ride during the winter months. Why do I need a 12-month policy?
All rates take into consideration how bad your region's winter is. Shorter riding seasons can get lower rates. That's good, because no one wants to miss a ride on that freakish 50-degree day in January.
Transfer Discount
Earn up to 10 percent if you currently have motorcycle insurance with a carrier other than Allstate.
Motorcycle Organization Discount
Earn up to 10 percent if you're a member of an eligible motorcycle organization. Your Allstate Agent can provide a list of organizations that are eligible for a cycle club discount.
Motorcycle Safety Course Discount
Earn up to a 5 percent bike safety discount if you voluntarily attended and passed a motorcycle safe driving program within the past 36 months: msf-usa.org
Good Rider Discount
Earn up to 5 percent if you haven't had any chargeable accidents and no more than one minor violation in the past 60 months.
I own several bikes. Do you offer a discount if I insure several of them together?
Yes. Bike fanatics deserve a fanatical discount. You can save up to 35% when you insure multiple motorcycles on the same policy.