Category Archives: Loan Agreements

By Kozan Huseyin

With over 2 billion cell-phones in the world, the cell-phone currently has double the amount of people mobile, then the internet with only 1 billion people connected. The average person has at least 50-100 people in there cell-phone address book. Your cell-phone can truly be a cash cow.

In this article I will speak about the hidden cash cow thats in your cell-phone.

Recently I have been speaking to my new team members. A recurring question they come up with is I dont have anyone to show my MLM Marketing opportunity to, how can I show this fantastic opportunity to them?.

The answer to you new MLM Marketing opportunity dilemma is in your cell phone.

You very likely joined your MLM Marketing opportunity due to something you liked about it. And dont give me you wanted to simply get rich quick. As I always say get rich quick, get out quick!

Geese flock together, and humans to. The people on your cell-phone are likely to be people with a similar interest to you. Thats what friends are, people who share a common interest.

The point can be proved in your own example. Have you ever been with a group of people and when your interests changed, your friends started to change?

There you go. So your cell-phone address book contains many people who share a common interest. And if you fell in love with an MLM Marketing opportunity, it is very likely that the people on your cell-phones address book very likely would be delighted with the MLM Marketing opportunity as well. As long as you structure your communication correctly, and deliver your message confidently in a friendly way.

As I was speaking to a recent new recruit to the MLM Marketing opportunity which I have seen amazing results in, I offered this same advice. Within a week, he had 3 new people on his team. All passionate about this new MLM Marketing opportunity.

Unlike marketing on the net. The MLM Marketers utilising there address book on their cell-phones have just touched upon an amazing cash cow. This has the possibility of outstripping the internet (unless you know tons of people already).

People answer cell-phones, most of the time :S, and if you have rapport with that person, they will here you out. With most MLM Marketing opportunities offering the possibilities of 3 ways. You have just stumbled on a blessing!

This is a method which most MLM Marketers have not even thought of. And those that have, have utilised this method for maximum results.

Imagine the possibilities of having an instant list of 100 people in your list, and plucking out 3 people. Already you have surpassed the 95% of people who join an MLM Marketing organisation and get 2.5 people or less, then leave.

Get great support from your upline, 3 ways, and persistence, then you will be on fire!

MLM Marketing + the cell-phone are the way to go. A great message given across will pay dividends. Coupled with most cell-phone companies offering calls for literally cents, then it is definetly worth looking into cell-phone marketing, I think I just coined a new word.

To your cell-phone marketing success!

In my next article to you, I will be speaking about MLM Marketing opportunities and lessons to learn from gyms.

Till then

To your greatest success,

Kozan Huseyin ~ MLM Marketing Expert, Internet Marketer, Life Coach, Writer.

###

Have Kozan Huseyin personally coach you!

Want FREE info + books on success, personal development, MLM Marketing, + unlisted gifts worth over $1,790+ FREE and get help from a MLM Marketing Expert? Visit http://www.mlmopportunity.successu.co.uk

Read More MLM Marketing Articles www.ebaykings.co.uk

About the Author: Have Kozan Huseyin personally coach you! Want FREE info + books on success, personal development, MLM Marketing, + unlisted gifts worth over $1,790+ FREE and get help from a MLM Marketing Expert? Visit

mlmopportunity.successu.co.uk

Read More MLM Marketing Articles

ebaykings.co.uk

Source:

isnare.com

Permanent Link:

isnare.com/?aid=149403&ca=Marketing

By Alston Ballkcom

Buying for medical insurance might be more challenging as we get older. We are more likely to have significant medical conditions, to have an unfavorable BMI and age alone increases the premiums we are offered.

If you have a preexisting condition finding health care insurance will likely be more difficult whether you are younger or older. Insurers may deny coverage. They could charge extra. They could eliminate coverage because of your condition and offer you a contract that won’t cover you for the thing you are most worried about.

The best way to overcome the impact of a longer medical history is to eliminate the condition. Sometimes following doctor’s orders, changing our diets and getting more exercise can make a difference. Often, however this doesnt help and we have to deal with the impact that the medical problem has on our lives.

If you are denied insurance or have a rider put on the contract, you should see what the insurance company’s competitors would do for you. You may want to accept the plan that is offered to you, but only keep it until you might find something better.

Insurance company underwriting guidelines vary from insurer to insurer. For this reason, you should make sure that the insurer that you settle on has the most favorable view of your longer medical history. One company might deny, another might eliminate coverage for the condition, a third might increase your premium. Yet a fourth company might accept you without a rider and charge you standard rates..

You should also see how close you are to qualifying for a lower premium. Often as a health condition ages, it becomes less expensive to insure. A medical diagnosis that is only a month or two old is likely to result in an automatic denial for an underwritten contract. If the condition was last treated 5 years ago, you might get a policy with standard provisions.

Finding out how close you are to qualifying applies to your BMI or body mass index as well. You may be just a few pound away from a lower insurance premium. Be sure to ask how close you are to a lower rate if your BMI affects the rate you are charged.

If you can’t find a health insurance policy that you might qualify for due to your BMI or your health condition, you may be able to get coverage through a state sponsored or federal sponsored policy. You may qualify for a special policy offered by your state. You may qualify for Medicaid or Medicare.

Government-based policies are important options, but one should be sure to look at options from private health plans first. Government-based policies are generally more costly or have lower benefits or have fewer doctors and hospitals in their networks.

We are going to be charged more as we get older. Getting older does increase the rates that we are charged for life insurance health and disability insurance.

A few medical insurance carriers will charge a lower rate if the policy is placed in the name of the younger spouse. This can result in substantial savings if your wife our husband is more than five years older or younger than you.

Whether we are younger or older, finding a good health insurance plan boils down to finding a good price, a good network and good coverage. The reason for a good premium is obvious. We need a good network so that we can visit doctors that are close to us. A policy should, of course, have good coverage.

It can be harder to get coverage when we are older. A medical issue, weight and our ages can all work together to increase our premiums. This makes finding quality health insurance harder.

About the Author: The author blogs about finding

private health insurance companies for 55 to 65 year olds

. You can also find

cheap self employed medical insurance

on Alston Balkcom’s site.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=656549&ca=Finances

By Debbie Dragon

To some people, budget is a 4-letter word! When used correctly, a budget is a tool that helps you know where you’re going and how you’re getting there financially. As our economy struggles, there has never been a better time to get your finances under control and work with a budget.

Most people have dreams or goals of things they’d like to have, places they’d like to go, bills they’d like to pay off… but the only way to ensure you realize those goals or see your dreams become reality is to have a plan and a way to measure your progress. How else will you know if you’re even moving in the right direction?

Here are 11 reasons why living on a budget makes sense- and how it can actually help you reach those dreams and goals that you’ve set for you and your family:

# A budget ensures there is actually money set aside for savings and investments, instead of ignoring them because you don’t have any money left at the end of the month to save!

# A budget will enable you to see if you are living within your means. Years ago, before credit cards became so commonly used, people would know whether or not they were living within their means because they either had money left over at the end of the month or they didn’t. Now that everyone uses credit cards regularly, it’s much more difficult to see where you stand financially.

# Control your money instead of being controlled by your money.

# Have money available to handle emergencies and unanticipated expenses. Without a budget, most expenses could be considered ‘unexpected’ and since you don’t have the money to pay for them- they severely hurt you financially. A budget anticipates these expenses and you’ll have the money to take care of them as they happen.

# A budget that’s created realistically will result in cash that you can use on things you really want or need- instead of spending it here and there on things you don’t even remember buying at the end of the month.

# Reduce arguments about money with a budget. The budget serves as your guide to finances. If you and your partner are working on the budget together, it will reduce your arguments and allow you to work towards a common goal.

# Reduce stress and sleep better! Having a budget that you actually follow will eliminate unnecessary worrying over money and debt. You’ll know that everything is figured out and as long as you follow the budget you’ve created you’ll be able to make ends meet.

# Budgeting is the best way to find your way out of debt and to prevent falling into excessive debt.

# Having a budget will enable you to see areas that you are overspending so you can eliminate any unnecessary spending to concentrate on reaching your financial goals.

# Involving your children in the family budget planning will help teach them responsible financial habits. They’ll also understand more when you say there isn’t any money to buy every toy they see on the commercials!

# With a budget, you can allocate money for entertainment- which means you’ll know exactly how much you have to spend on the fun things you want to do and can plan for your entertainment activities. Use up the entertainment allowance on small things every week; or save the entertainment allowance for several weeks and splurge on something more costly!

About the Author: Visit DestroyDebt.com for more information on

debt consolidation

.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=231548&ca=Finances

By Dana Goldberg

Nowadays, insurance have become a necessity in life. Why?

Imagine your house being blown to pieces by a hurricane. Grasp in your mind that you were involved in an accident and requires hospitalization or expensive surgery. Think what will happen if your parked car was smashed into bits by a ten-wheeler truck.

Who would pay for these damages? If you have a relatively low income, you cannot afford to pay for all of these alone. These kinds of disasters, man-made or caused by nature, can cause financial ruin or bankruptcy to people.

So how will you deal with these unforeseen accidents without spending too much money?

The answer to that question would be insurance.

It is a fact that our lives and properties are always in danger in every single day of our lives. Whether it is caused by nature or by man, disaster is always lurking around the corner waiting to strike.

The point is that no man’s life is perfect and we do not know what the future will bring us. How do we prepare for such disasters? We prepare our security by buying insurance.

Many people buy insurance to ensure them security with their lives and property. It is a fact that buying insurance is practical nowadays and could save you from financial and emotional frustration.

There are many kinds of insurances. There are insurance for homes, businesses, health, automobiles etc. Each offers the same basic principle; they all promise reimbursements in the case of loss. Insurance is a form of risk management, usually to help people in case of financial loss.

One of the most commonly purchased insurance is the automobile insurance or car insurance.

Who wouldn’t buy car insurance? We all know how expensive these machines can be. Many people invests large amount of money to their cars. No person wants to lose his or her investment easily

You may probably say a crazy one. Car insurance companies usually cover some or all damage expenses in an event that your car is involved in an accident or stolen.

The car insurance businesses is now getting bigger and are now expanding their services to keep up with competitors. Some car insurance businesses are now offering their services through the internet.

It is now possible for people to shop for car insurance in the internet. What this means is that people can now shop for car insurance right in the comforts of their home. It also means wider means and opportunity to choose the best and applicable car insurance for your own unique situation.

The first thing you have to consider when buying car insurance online is the price. Prices are different by company, and it is wise that you first compare prices before you buy a policy.

Also remember that the price of car insurance policy vary depending on what kind of car you own, for example; insurance policies usually cost more if you own a sports car than your average family car.

Another way to get an idea of how much your car insurance policy will cost is the area you live. If you live in an area where accidents and auto theft are high, you will get a higher cost of insurance policy.

The price can also be affected by your driving record, if you have police record that states that you have been involved in several automobile accidents, car insurance companies usually gives you high priced policy and some will reject your application for car insurance.

Also, always remember that the more often you drive the more you are exposed to accidents. Therefore, insurance policies will cost more.

To apply for a car insurance policy online, you will need the following:

— Driver’s License – to rate every resident that lives in the same household on the policy.

— Insurance Declarations Page – This document contains all the information about the policy that you need for the online quoting website. Every time you renew your policy, this document will be mailed to you.

— Car Registration Card – This provides the vehicle identification number. It will also include the safety features installed in your vehicle. Safety feature will give you discount.

If you plan to buy car insurance policy, always remember that you should buy an insurance policy suitable for your needs and not one that will cost you your life savings.

About the Author: Dana Goldberg is the editor of

Used Car Avalanche

. The easy way to find a used car.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=41589&ca=Finances

By Everett Maclachlan

Banking is one of those life skills that we learn by doing. Unlike taking driving lessons or getting on-the-job training for a new job, there are few tutorials or courses available to most of us on how to do banking, what it’s all about, or how it all works.

For most of us, we start with our first bank account when we are kids. Often, this first account is a savings account. As young people or young adults, we scrimp and save to put away a few bucks into our accounts, watching them grow over time.

Then, as our needs change, we open our first checking account. A checking account allows us to have a debit card to make purchases at retailers and merchants around town. And, of course, with a checking account we can actually write checks to other people!

But, as you progress in life, you may be faced with the question, “Can I have more than one checking account at a time?” This question can arise if, for example, you move far away and your new residence is not anywhere near a branch belonging to your first bank. Often, in this situation, you may find yourself having multiple “connections” to this first checking account, such as already-established automatic withdrawals, direct deposit from your employer, etc. In this case, you may not want to close your first checking account just because it is easier not to. And yet, for convenience’s sake, you will want to open a second account, as well.

The answer is: yes, you can have more than one checking account at a time. There is no law against having multiple accounts. Of course, to be efficient in your handling of two accounts at once, it is a good idea to differentiate them somehow. For example, you can use your first account for receiving your paycheck (via direct deposit), as well as for paying all of your monthly, automatic withdrawals. Meanwhile, you can use your new account as a source for cash (via the ATM) and for non-recurring payments or for those that are not on automatic withdrawal.

There is no limit to the number of checking accounts you can have. Just make sure that you are mindful of any fees you are paying to maintain the various accounts. In some cases, to save money on fees it may be best to consolidate into just one account.

Note: if you are interested in opening a second or third account, make sure you shop around: your account should be FDIC insured. Also, look for an account that does not charge overdraft fees (banks offers these accounts are rare, but they are increasingly available).

Our banking system is set up to give you the maximum number of banking choices. There are thousands of banks to choose from, but they are not all the same. Make sure you carefully research your choices before opening a new account. You may just find you are pleasantly-surprised by the options available to you, including the ability to conduct online banking and the need to never pay an overdraft fee again in your life!

About the Author: For more information about a checking account that will never, ever charge you an overdraft fee (no matter what), check out:

escape-overdraft-fees.com/

.

Source:

isnare.com

Permanent Link:

isnare.com/?aid=465734&ca=Finances