Are you trying to raise capital for your start-up or corporation in expansion? Have you exhausted your traditional institutional sources and hedge fund contacts? Don’t lose hope just yet! First of all, take all those pamphlets and brochures from banks and other traditional lenders that are lying all over your desk and toss them in the trash…they are absolutely useless.
Banks don’t have your company’s best interest in mind as they are hardly even staying afloat in this economy. Today’s institutional financier isn’t qualified to run a bath let alone a bank. Don’t put your future in the untested hands of a 20 something knucklehead. After you’ve tossed all that useless info in the trash, clear your head and then look at your company and ask yourself a few tough questions: Is your company invest-able? Do you and your executive staff have a pedigree that investors deem as seasoned enough to take their money and make affective use of it and not lose it? What proprietary concepts/technology/patents do you have that give you a larger market share with the proper cash infusion? What is your current capital/debt situation?
If, after pondering these questions you’ve come to the conclusion you honestly, truly have something worth pursuing then the next step is to look at the reality that your company is worthy of a public offering. Stay away from Pink Sheets and be weary of reverse mergers and in reality your company won’t qualify for the NASDAQ so the quickest way to raise public capital is the OTCBB (over the counter bulletin boards).
OTCBB is an SEC regulated platform that has a solid investor following and market makers that can effectively promote your stock to rapidly raise capital. Don’t let these difficult economic times steal your dreams of corporate prosperity and personal growth.
If you have a solid business concept, there is a way to fund it. Look into the OTCBB, it’s your best bet for an inexpensive public offering with a direct path to long term funding.
Insurance is a fact of life for drivers. When it comes to choosing van insurance, some new van owners feel a little intimidated. They must choose the right insurance from the wide variety of different types. Some types are more suitable than others for certain types of van usage. Some insurance customers are comfortable going around to insurance offices and getting face to face service when looking for price quotes. Many others use the ease and speed of the internet to research the ideal package for their purposes. The method used is not as important as knowing something about choosing between the different kinds of insurance offered.
The most important concept pertaining to your van is its intended use. If you are acquiring it for business use, your insurance will reflect that fact. There is a separate set of pricing procedures for vans, depending on whether they will be used for personal or business use. The next big question involves the physical structure of the van. A big cube fan used for heavy delivery purposes will need a certain type of insurance. A small family mini van will be in a different class from the panel truck. The number of seats needs to be considered. You will need all the specifications of the vehicle on hand when you start to get quotes.
The most important concept pertaining to your van is its intended use. If you are acquiring it for business use, your insurance will reflect that fact. There is a separate set of pricing procedures for vans, depending on whether they will be used for personal or business use. The next big question involves the physical structure of the van. A big cube fan used for heavy delivery purposes will need a certain type of insurance. A small family mini van will be in a different class from the panel truck. The number of seats needs to be considered. You will need all the specifications of the vehicle on hand when you start to get quotes.
Insurance type one- Third party insurance. When you drive, sometimes things go wrong. You may put a dent in someone’s car. Third party insurance will be helpful in making restitution to your victim. Worse still, you may inadvertently injure or kill someone. The burden of paying for such consequences would be harsh to bear without third party insurance to help foot the bill.
Two- Fire and theft insurance. Most customers try to get this type of coverage, because the cost of not having it is tremendous. When you find your van alight or you don’t find it at all, the shock is devastating. But the realization that you do not have fire and theft coverage is a worse blow. It is well worth the premiums to get this type of insurance.
Insurance type three- comprehensive insurance. As the name suggests, this type of insurance covers the purchaser for third party liability, as well as for fire and theft. So it is easy to see why this is the type of insurance that most people want to put on their vans. There is an additional advantage to comprehensive insurance. Many such plans offer an extra option, one that can really save a van owner some money. He can get coverage against malicious damage caused to his vehicle by mean spirited individuals. This is invaluable to many business owners who need to park and leave their vans while they are busy elsewhere. Another insurance option frequently offered wit the comprehensive choice, is coverage against damage to the contents of the van while driving. For these reasons, comprehensive insurance is the plan of choice for many.
You will need to be familiar with your van’s specifications in order to get useful quotes. The insurance company will ask you many questions designed to discover your van’s age, weight and carrying abilities among other things. Other important variables include the intended use of the vehicle, as well as its seating capacity. The quote will be more accurate if you can report all of these facts to each company. Without this information you may end up paying too much, or not enough.
As you can see, it is not difficult to choose van insurance. If you can discuss what type of van you have, and what you’ll be using it for, you’re ready. Now you can select the correct insurance for your purposes and your budget.
As the insurance market undergoes stiff competition, there is no assured way of getting continuous leads at all times. Besides, people are becoming more aware of issues by the day, making it more difficult to get them to buy insurance. In such a scenario, pre-qualified life insurance leads are better than other types of leads.
Many life insurance lead companies adopt various strategies to get customers to fill out a form on their websites or at their physical locations. These are generally people who are somewhat aware of the importance of life insurance and who also roughly know what they want. These people often search for the best insurance policy on their own. The Internet has become a good place to start searching for life insurance as well.
Once there, in order to tap into the wealth of information available on a particular site, or just to know whether the person is eligible for a particular life insurance policy or not, they are asked to fill out a quick online form. This form is then analyzed by the lead company, depending on the needs of the customer, required conditions, and the prevailing life insurance business codes. They segregate these leads and investigate who is extremely interested (hot prospects) in a policy and who is not. Such leads that have been analysed for suitability are known as pre-qualified life insurance leads.
Pre-qualified life insurance leads are very important methods of getting prospective customers for an agent. These leads are considered highly important by agents because here the customer is actively scouting for life insurance and may already be partially convinced about a particular policy.
This means that if the agent plays his cards right, there are very good chances that he or she would be able to convince the customer to buy a policy. In the competitive field of life insurance, a pre-qualified life insurance lead comes as a blessing for the agent.
When we run out of luck and have no insurance covering us, it is probably time to go in for individual insurance and hope for the best. For older people, getting individual insurance is pretty challenging and something that they need to work hard for. However, with time, it is possible to ensure that you get the coverage you need without necessarily having to shell out a fortune for it. Unless you have a serious medical condition that necessitates the need for some kind of expensive insurance, you can afford to go in for an individual plan and still save a lot of money on it.
Individuals looking for insurance can go in for managed care plans. These are cost effective insurance plans which come complete with contract and a list of doctors and services that are covered with the insurance. The different types of managed care plans include health maintenance organizations (HMO) and preferred provider organization (PPO). These organizations have the drawback that only the specified doctors or services can be covered with the health insurance and you have to shell out additional money in case you want to opt for healthcare practitioners outside the network.
Although it might sound like something illegal, it is also possible to enjoy health benefits by joining some association. There are many associations out there that are involved in professions, religions, communities etc. that offer health benefits to its members. You can join one of these trade or professional associations and enjoy the health benefits that are bestowed to all of its members. Although the insurance might not be as comprehensive as the ones you get when you are working, it is still amongst the best and possibly something that you will want to have at least till you get another option or perhaps even a job.
Finally, you can even pay a visit to the health insurance broker. Many people find it perplexing to choose a health insurance plan that can suit them and perhaps help them with their situation. It is entirely possible to have an insurance broker help you out by determining what the best option for your situation is and potentially help you save money in the process as well.
Make sure that you speak to an independent broker as some companies hire brokers to have people buy insurance from them instead of opting for someone else. Although they work for a commission, the broker is guaranteed to have a better insight and help you significantly with the entire process.
Can you, or an older person you know, actually make a good cash settlement for an unwanted life policy? It is possible, and these days, life settlements have become popular.
The person or company who purchases life insurance will then be the new beneficiary so they can collect the death benefit. They also will have to pay any premiums that are still due. The old owner will get a cash settlement, and so they do not have to wait for the insured person to pass away to get paid.
This can be an attractive option for many senior citizens who need money to live on, and are not as concerned about heirs who would get a death benefit later.
In the past, a person only had a couple of choices when they did not want to keep a policy. They could simply stop making premium payments and let the contract lapse as unpaid. Or they could surrender it to the original insurer, and settle for the cash value. This cash value was usuallly a small percentage of the contract’s death benefit though.
A better option, for people who qualify, is to find a life settlement.
Who gets to consider life settlements?
Though I have seen younger people being considered, most of the time the insured person must be at least 70.
What Kinds of Policies Will Qualify?
In addition, the policy must be permanent. Whole or universal life insurance would qualify. A term policy may be accepted if it has guranteed option to convert it to a permanent policy.
If you have term life, make sure you start shopping while you have plenty of time left on the contract. A term policy that cannot be converted to whole or universal life will not qualify though.
Should seniors consider this?
This is not the best choice for all people, or for all families. But many people have been happy to take advantage of this way to raise cash.
This decision will keep the present heirs from collecting the death benefit. It is cash now in exchange for giving up the death benefit later.
Some companies explore this option because they want to get rid of life insurance they purchased on employees who quit or retired. They do not need to insure a key man or business owner who has moved on, and this is a way for them to get paid for the asset.
How much are these policies worth?
There is a competitive market, and a qualified person may have to do some shopping for the best deal. But I have seen many people get paid a large percentage of the final death benefit in exchange for the policy. Of course, the investor wants to proft by collecting the benefits when the insured person dies. But since the market is competitive, they will certainly be willing to make a good offer.
How To Find Out More About Life Settlements?
If you are interested, you can find brokers who will be able to help you find competitive cash offers.
I cannot tell you if you should sell your life insurance policy, but it is certainly something qualified people should think about.
Travel by cruise is often thought to be the heart and soul of an overseas pleasure trip, and not without good reason. It is more relaxing and invigorating than a road trip, giving the travelers more opportunity to soak in the local flavors. On the other hand, it allows the travelers to indulge in a little sightseeing, which is just not possible in hurried flight. Travel insurance for cruises can ensure that the trip investments do translate into a well-deserved and memorable tour experience.
Travel insurance for a cruise facilitates recovery of non-refundable costs for the trip, in case of cancellation or interruption. Cruise travel insurance also offers some basic medical coverage as well.
The travel health insurance policy is instrumental in providing two essential services that is so integral to its coverage premise – reimbursement of non-refundable tour costs in cases of cancellation, and coverage for medical treatment and evacuation on the trip. Another advantageous aspect of the policy coverage is its applicability and validity even outside domestic boundaries.
Cruise insurance policies facilitate prompt recovery of the amount invested in a cruise trip in case of an eligible emergency that causes the trip to be canceled. Cruise cancellation insurance policies are particularly advantageous because they offer prompt coverage and reimbursement of travel costs, allowing the traveler to plan ahead with the money.
If a trip is canceled, financial losses due to canceled cruise tickets/ passes, hotel reservations and rentals and certain other tour charges might arise. The factors eligible for policy coverage includes health complications of the insured/ traveling companion, accidents, illness and injuries and severe damage to domestic property.
Cruise cancellation insurance typically provides substantial reimbursement for trip cancellations, premature trip terminations, missed transport connections and loss/ damage of essential baggage/ documents. International cruise travel insurance also arranges for emergency services like emergency medical evacuation and medical transportation.
The Cruise cancellation insurance policy offers vital travel services during sudden medical emergencies on the trip. The cruise insurance policy covers emergency hospital admission and vital medication during a medical crisis. The extensive travel assistance network that comes with the policy also proves advantageous in facilitating expert immediate physician and hospital consultations.
Travelers insured with the comprehensive cruise travel policies embark on a travel without anxieties and worries about unexpected health crises and financial losses. In cases of cancellation, preparing ahead for a new adventure has never been easier, with the cruise t6ravel insurance cover.
We do not live in a perfect world and the risk of fraud exists. It may be a fraud through a company offering you products, or it may be fraud through con artists, but the sad truth is it exists. Long-term care insurance is not exempt from the risk of fraud, and there are those out there who will try and benefit off your misfortune and leave you with nothing. One of the important things you can learn from the mistakes of others is how to avoid being a victim of insurance fraud.
Obviously, the first thing anyone should consider when they are thinking of getting long-term care insurance is research. Researching a company is one of the best ways to prevent long-term insurance fraud. When you look at the record of a company, you will be given a clear indication of how they will treat you and your money.
You should look into the financial rating of a company to determine how legit it is, and how stable it is. Standard & Poor determines the strength of insurance companies, as well as giving detailed financial profiles on thousands of insurance companies. You can also look at Fitch Ratings, which give financial strength ratings for many insurance companies.
When you decide on a long-term care insurance policy, make sure you get the policy when you meet with the insurance broker. Do not fall for the line of ‘It is all in the brochure.’ Usually, it is not. You should be able to get the policy, in writing, when you meet with the broker and before you sign it, make sure you read it very carefully, even if you have to take it home to do so.
When you get a policy, you are asked for a month’s premium up front to process the application. If you choose not to accept the policy or you are declined, you should get your money back in full.
You can also talk to friends of yours to find out what insurance company they go through for their own long-term care insurance policies, if they do. However, do not accept their word because they could be victims of long-term insurance fraud and not even know it yet. Just research the company and if you find out something troubling, let them know. Conclusion Long-term care insurance is one of the best things you can do to make sure you are not a financial burden on your family. However, you do not want to give someone your money and find out later that you were a victim of fraud. Then, with all the money you put in, you come up with nothing and that is a horrible situation to be in. Do your research, ask questions, don’t sign anything without reading it and always make clear what you expect up front. If you do this, you should be okay and be able to prevent yourself from becoming a victim of long-term care insurance fraud. You should just ask for help from an insurance representative who specializes in long term care insurance to answer any questions.
If you are no spring chicken and have some health issues, you may wish to find out about getting guaranteed life insurance. This type of life insurance policy is a great option for those who have not arranged insurance yet but are in an older age group.
Insurance companies offer a guaranteed life insurance policy to any age group, which makes it the best option if you have turned 60 and have not yet arranged any life insurance! It is a favorite of those who may have an existing medical condition and have been refused cover for other policies. This is because a guaranteed life insurance policy is a guarantee; your beneficiary will definitely receive the death benefit once you have passed away.
A guaranteed life insurance policy is popular because there is no requirement for you to have a physical examination. The insurer will also ask few or no questions about the status of your health when you apply for this type of policy.
One thing to consider with this kind of policy is that the insurer may have a specific waiting period tied in to the plan. This means that if you pass away during that allotted time, then the benefit will not be paid to the beneficiary. If the time expires and then you pass away, the beneficiary will receive the complete benefit. Having said this, many insurers will refund the premiums you have paid during the waiting time, to the beneficiary.
The premiums you pay for this type of policy may be slightly higher than that of a whole or term policy. The difference is that premiums will be returned should you pass away during the stipulated waiting period, so there is some cash returned to the beneficiary.
It may be worthwhile checking if your employer has what is known as key man life insurance. This kind of insurance is designed to cover key employees in the business. Key man life insurance could mean that any of your dependents may receive financial help from this policy. The beneficiary of any key man life insurance policy is always the owner or director of the business. You could have this option to secure financial help for loved ones as well as a guaranteed plan.
Whichever option you choose, it is important to have insurance in place in time for you passing. You want to make sure that you do not leave debts and invoices behind or inadequate finances for your loved ones.
More advice and information about all types of insurance and particularly guaranteed life insurance can be found online. You will find that insurance companies and financial advisors are very knowledgeable about these products and can assist you with the easy and speedy applications process.