Cheap Car Insurance and Car Safety – Vehicle Inspections

The issue of statutory vehicle inspections and whether your vehicle needs one or not is something that matters both at a legal level and at a practical level. When buying a car, it is Uncategorized to assume that the vehicle falls into one of two categories. Either the vehicle is brand-new or relatively new and as such probably does not require a statutory vehicle inspection.

It will normally have some type of manufacturers guarantee that will cover parts and labour for a specified period of time. There may well be a dealership deal in addition to the manufacturer’s help that may extend the guarantee over a period of time, or may extend it in different ways such as to include breakdown insurance or optional windscreen cover etc.

The second category of vehicle is simply that which does not fall into the category as described above. What defines a vehicle as being new or nearly new is a matter of some debate, but in a general sense it is likely to be a car that is two or three years old up to a car can be 20 or 30 years old. The newer the car the less likely it is to need a vehicle inspection as required by statute. Having said that the distinction as to whether a vehicle needs a vehicle inspection by law or not does varies hugely so it is well worth checking what the legal requirement is where you live or where the vehicle is going to be used.

Even cars that are not new will quite often have some type of warranty, either that offered by a dealership or by an insurance company. The option of being able to buy a warranty by an insurance company is becoming increasingly common nowadays, and is sometimes offered as an extension of a person’s car insurance.

Obviously the terms and the cost of such warranty do vary hugely and you will need to have your car inspected prior to the insurance company granting you such cover. Such cover in terms of extending warranties is normally fairly pricey, but like most types of insurance its real benefit is in supposedly giving you freedom from worry. Such peace of mind exists when you don’t have to make a claim, but is quite often tested if you do have to.

If your vehicle does require a vehicle inspection by law, then be aware of how long the inspection is valid for, what testing stations are available to carry out such inspection, and limitations of what it might mean not have one. Whilst it is unlikely that you would deliberately not have a vehicle inspection, it is quite likely that some people will simply forget or not realise that there the vehicle is due to have inspection on a particular date.

The implications of this, aside from being a breaking of the law, can also relate to the persons car insurance. It may well be that the car insurance is dependent upon the vehicle inspection being carried out and the vehicle passing such vehicle inspection.

Most vehicle inspections as required by law are pretty basic inspections and normally have one aim in mind, which is to verify that the vehicle is effectively in a roadworthy condition. To this end the inspection will check things like tyres, oil levels and various mechanical and structural elements of the vehicle. These types of vehicle inspections are not the same as an inspection that needs to be carried out or should be carried out of vehicle prior to buying it.

That type of inspection is one that is designed to give you some relief that there is nothing inherently wrong with the vehicle and that it is okay to buy it without fear of its going dramatically wrong immediately after you bought it. A legal vehicle inspection is normally pretty basic and is designed to assess certain core safety elements of a vehicle and make sure it is safe to drive on the road.

Boost Your Cold Calling Results in Commercial Real Estate

To make your prospecting system work for you in commercial real estate, you really do need to systemise it and set some priorities. Systems help build the future; random undirected action does little for you as a commercial real estate agent.

When you set the priorities you will not be wasting your time on things that don’t matter or perhaps have little results and conversions for you. It’s tough enough finding the time to prospect every day, let alone spending time on things that are not good converters of business opportunity for you.

So what can you do here? You can set a plan up that keeps you focused on the highly converting prospecting processes. You need new business to make your career work for you and prospecting is the key to pulling it all together.

Here is a priority model used by salespeople that I have helped in shaping their market share.

  1. Practice your call pitch for 30 minutes at 8:00am every day. This single one fact will help you convert more people faster to opportunities.
  2. Start the day with cold calls to new people. This should happen for a period of 2 hours. Start your calls at 8:30am.
  3. It will take you 30 minutes to build momentum as part of the call contact process. After 30 minutes you will be comfortable with what you are doing and the conversations will flow. The calls will get easier.
  4. Remove any meetings from the start of a business day. That includes team meetings. Focus on prospecting before anything else. Don’t let other people waste your prospecting time.
  5. Any follow up calls to established contacts should happen later in the day outside of your prospecting time. Create a habit of prospecting for new business. Don’t let existing customers or contacts derail your prospecting system.
  6. Towards the end of the day you should enter the results of the calls into your database. Perhaps you can do that as you are making the calls; the data does however have to be entered and you must take responsibility for that.
  7. End the day with research related to new prospects that you are to call tomorrow. Who are they and why are you calling them. You will need to know those facts as part of the process.

So these are some very rigid rules. When you stick to them you will find that opportunities develop. In any market and at any time the business is out there; it is just a matter of opening up the relationships with the right people.

Emergency Preparedness Should Not Be a Disaster

Uncategorized disasters (or acts of nature) are considered to be the consequence of a Uncategorized hazard which affects human activities. They are termed a disaster if they cause financial, environmental or human loss due to lack of planning or lack of appropriate emergency management.

Acts of nature come in many varied forms. Land movement disasters include avalanches, earthquakes, lahars, landslides, mudflows and volcanic eruptions. Blizzards, droughts, hailstorms, heat waves and cyclonic storms (including hurricanes, tropical cyclones and typhoons) are all considered to be water disasters. Other disaster situations include fire, health and disease (including epidemics and famine), and space (impact events and solar flares).

Uncategorized disasters are often related. Drought can lead to famine and disease, tsunamis are caused by earthquakes under the ocean, and volcanic eruptions can result in lahars and fires ravaging the land. All of these Uncategorized disasters can cause environmental emergencies. They can strike quickly and without warning. It can force you to evacuate your neighborhood or confine you to your home. What would you do if basic services–water, gas, electricity or telephones–were cut off? Local officials and relief workers will be on the scene after a disaster, but they cannot reach everyone right away.

Emergency management or disaster management involves preparing for a disaster before it happens. You cannot put an emergency on hold. Effective emergency preparation relies on a well thought out plan of action that will help you and your family know what to do in case of an emergency situation. Every household, school and business needs an Emergency Plan.

As part of your emergency plan you should consider the following guidelines:

-Safe exits from your home, school, place of business and neighborhood -Meeting places to reunite with family members, roommates, colleagues, etc.
-A designated person to pick up your children if you are unable to do so
-A place for your pet(s) to stay
-Contact person(s) close by and out-of-town
-Pertinent health information for you, your family and pet(s)
-Location of fire extinguishers, water and gas shut-off valves, electrical box and floor drain -Possible risks in your area

What you have on hand when a disaster happens could make the difference between surviving or not surviving the emergency. Plan to store enough supplies for everyone in your household for at least 72 hours (3 days). It is important to have an emergency survival kit that contains all the products families (schools or businesses) would need to comfortably stand firm against an emergency situation. Emergency kits should be kept in the home (near the front door if possible), car and workplace for unexpected emergencies such as power outages, break downs, hurricanes, tornadoes, floods, blizzards, earthquakes and other potential disasters.

Some items to consider for your survival kit should include:

-easy-carry backpack or duffel bag
-emergency food and water for 72 hours (3 days)
-first aid kit, medications (if required)
-flashlight(s) and batteries, emergency whistle
-heavy-duty leather work gloves, disposable vinyl gloves
-FM radio and batteries or crank radio (no batteries required)
-tooth paste and toothbrush (one per person)
-disposable razors (double-blade), antibacterial deodorant soap,
-paper tissues and toilet paper rolls, terry towel(s)
-multi-purpose scissors, note pad(s) with pencil(s) and pencil sharpener
-rain poncho(s), tube-tent, emergency blanket(s) to retain body heat
-camping stove
-can also be used as heat-source
-waterproof matches
-pocket warmers, comfortable shoes, extra clothing
-some extra cash

By having a minimum of the suggested 72 hour (3 day) supply of food, water, first aid, shelter and other survival gear in your disaster preparedness kit, you will be able to take care of yourself and your family in an emergency situation. Be Prepared – Before Disaster Strikes!

Same Day Cash Loans – Great Opportunity To Get Finances Easily

Only money cannot keep you happy but certainly it is an important ingredient for happiness. Managing all expenses in the monthly salary is not what everyone can do. So problems usually occur for people. So if the borrowers need money for expending, that can be easily borrowed through same day cash loans.

With these loans, the borrowers can get money for their needs without pledging any collateral with the lenders. The borrowers get money just by fulfilling some necessary conditions which are:

o The borrower should be an adult citizen of the UK.

o He should be over 18 years of age.

o He should have a regular employment since the last 6 months.

o His place of residence should be regular since the last 3 months.

o He should have a current bank account in his name which is at least 6 months old.

The borrower gets the money for his needs in less than 24 hours if he fulfills all his conditions of eligibility. The borrowers can then use the money to get his needs fulfilled like medical expenses, credit card repayment, urgent car or home expenses, grocery bills, electricity dues etc. For these purposes, the borrowers are allowed an amount in the range of £100-£1500. The approval of the loan amount depends upon the monthly inflow of cash of the borrowers.

The borrowers are required to repay the loan amount in a term of 14-31 days. The next salary day of the borrower acts as the repayment day for him. On this day, the due amount of the borrowers gets deducted from their account. The borrower can even extend the loan for another term if they are not in a position to repay the loans. Low rate deals for these loans can be obtained through the online mode. The borrowers with bad credit can also get low rate deals easily.

Borrowers can take up same day cash loans very easily from the lenders to fulfill their needs easily. The urgency of situations can be dealt with easily with approval of money on the same day.

So You Want to Be an Online Model?

There has been a recent buzz in social media of girls working from home in their underwear to cover their bills, and for some it amounts to a lot more. Of course, with the cat out of the bag there are tons of girls signing up on these sites to make an extra buck. The downfall is that a lot of these girls start modeling online with high hopes and quickly learn it is not easy money.

The key to surviving in this thriving jungle is to be prepared before you even head in. This is some of the best advice I can give to anyone who wants to do what I do for a living. Throw away everything you have ever heard about being an online model. Every girl is different, and each will be as successful as they make themselves. How do you make yourself successful? Work, and a lot of it. You must treat it like a business if you want it to pay like one. Be professional. Showing weakness, and naiveté online is like calling all the wolves out. What I am saying is, it is counter productive to your financial well-being to be ignorant in this game.

Every girl gets a fair chance. You can give yourself a leg up, if to know what you are doing.

Learn what you need to learn in order to prepare yourself to entertain and comfort hundreds, or thousands of followers, before you get started.

Before you start out, you will want to create your alter ego. Your alter ego is the person you actually send out on that virtual stage. Choose your alter ego and your niches wisely. It is difficult to change your brands image after you release it.

Once you do release your image, you still have tons more to learn and set up. Of course, you have to decide exactly what you will offer. Then you have to find somewhere to market yourself. The online industry has grown to a point that you have to build your fan base one person at a time. You have to earn respect, trust, and be able to maintain dignity even if desperation is knocking at your door. Most customers expect to get what they pay for. Meaning that you have to produce quality media, and give a rewarding interaction. You will tip your regular waitress more than you will a new waitress. The same concept works here. You will make more money from return customers than you will from first timers.

Don’t quit your job just because you have started to work on cam, or have taken a few photos. It will take a bit of time before you are making enough money to pay your rent and all the extras. You will definitely need that regular paycheck at first. Being an online companion is hard work, and often draining. There are good times and there are bad times too. The secret too longevity is to stay on top of your own production, and set in place reliable back up plans for yourself.

Don’t depend on a site to pay you on time. This sounds counterintuitive, but it is true. Things come up often, at the most inconvenient times. When it comes to a web site, it pays to know who you are working for. Trust is a two-way street. Make it your business to know what your keeping percentage rate really is, and know when your pay days are. Make sure to set up a system you trust. Read every word of every appropriate FAQ and look closely at the TOU to make sure you are a good fit for the site you are evaluating. Compare your sites before you run around uploading videos in places where they wont sell. Make sure what you are offering is what the site promotes. Read up on review sites about your prospects. For instance, If you have your eye on Mygirlfund, then it would be a good idea to see what other girls’ experience with Mygirlfund is on an independent review site like the one I linked.

Don’t sell yourself short.

No matter how much a site promotes you, (Sometimes as a new girl, you are heavily promoted!) you still need to promote yourself. Aggressively develop your social networks, and present an image of quality, and consistency.

A word to the wise about going Indie.

Sure you can go the independent route right? You could be an indie provider, and build your own site, or better yet… Email photos or videos, and Skype camshows for PayPal? Wrong! You can’t use PayPal for adult material. Don’t do anything in the adult industry with PayPal… This is dangerous. I can’t stress how dangerous, yet still it is widely accepted by many mainstream webcam sites. Your number one priority is to protect your investment of time, and content. Don’t have PayPal freeze your funds because you wanted to take the easy way. (It happened to me!) Either build your own site from the ground up, or choose a pre-existing platform, that uses a payment service you trust. You do have the right to do that, and there are sites out there that will also respect that fact.

So far I have covered how to choose where to set up shop, but I haven’t touched on what it takes to get going. Nothing is free, and starting a business or being self-employed takes an investment on your part. You have to know what you need. You need to know how much it costs to get the basics. You need to know how to use your equipment. By equipment I mean, Your laptop, cam, camera, and software to keep it pretty basic. Of course you can always go cheap, make sure to get the best you can for what you have. I highly recommend constantly investing back into what your business if you want it to improve. Spend the time and the funds, and it will pay off.

Make sure you know what you are doing when jumping into online modeling. Know what you want and know how you are going to get it. Don’t get in the pool, until you know how to swim.

Any points that I missed? I’d love to hear what you think is essential have-to-know points for new girls in this industry.

Things I Have Learnt About Prospecting and Cold Calling in Commercial Real Estate

In any real estate market and economy, the prospecting process remains fundamentally important to the success of the real estate agent and individual salesperson. Prospecting on a daily basis is the key to progress and success with both territory control and domination.

Here are some key facts that I have learned from prospecting and cold calling over the years:

  1. Most people working in the industry rank very poorly when it comes to prospecting on a regular basis. This is a significant opportunity for those that get their prospecting model under control.
  2. Face to face contact remains the ultimate conversion factor when it comes to prospecting. Everything you do should point towards a successful introductory meeting with the qualified parties.
  3. The telephone is a very powerful tool for creating meetings and contact with the right people. The cold calling process you use must be consistent and professional. Gone are the days of sleazy sales pitches.
  4. One of the more successful traditional methods of marketing that has been around for years is the signboard. The more signboards you get into your territory, the more momentum and ease you will have with building listing and sales opportunity. The signboard infers that you have market presence and domination. That is what the local community and property investors think, providing you have a good number of signboards placed on quality property throughout the area.
  5. E-mail marketing and database use is now critical to both the individual salesperson and the real estate agency office. It remains a tool of constant contact of relevant property information to qualified prospects. These are people that already know you and expect information and property updates from time to time. Growing and shaping the database each day from personal contact across the sales team is fundamental to progress and market share.
  6. Some less experienced salespeople tend to rely on E mail as the first and final point of contact. The process of Email is convenient and easy to use, however it has little benefit in prospecting and will not replace the benefit of one to one contact. If the prospect does not respond to the Email, a typical salesperson will usually discard and forget the prospect. The reality of the prospecting emails that you send is that most of them are deleted and discarded.

Prospecting for commercial real estate listing opportunity should be based around unique and personal contact. The more that local people know you personally as a professional and knowledgeable real estate expert, the more listings you will achieve. This image and mantle takes time to develop but it will occur through diligent personal contact.

Top 3 Activities to Do If You Want to Succeed in Internet Marketing

Internet marketing is an attractive idea to make money on the side that eventually will become a full time income. Sadly, there is a lot of hype around this activity with thousands of products that promise outrageous incomes in 30 days or less or whatever other hype they can think about. But the overall premise is that you will be a multimillionaire by the time you finish reading their eBook and implement their techniques to dominate AdWords and Clickbank products.

However, the 3 best things to do to succeed are:

1. Learn how to drive traffic to your site for free. This means, learn SEO. Don’t depend on AdWords and CPC campaigns. This can be very costly if you don’t know what you are doing. AdWords is a great way to test a new campaign as long as you know how to properly set it up. Most people fail very fast and go into debt because they fail to do proper keyword research and set up their campaigns the right way. If you want to use AdWords as a way to drive traffic to your site or offer, you should consider reading Perry Marshall’s AdWords Definitive Guide.

2. Don’t buy every eBook that promises huge payouts in a matter of weeks. Most of these are hype and will under deliver. Take your time to research the products that you want to buy to study or to promote. A great place to do this research is You will find consumer reports and product fact sheets without hype or bias and it will save you time and money.

3. Take your time. Don’t get discouraged because it’s been a month and you haven’t made any sales. This will take time. But if you stay the course, educate yourself and focus on the fundamentals, you will succeed.

In my opinion, one of the best products if you are starting on Affiliate Marketing is Commission Blueprint. Commission Blueprint combined with Perry Marshall’s AdWords guide will give a big boost and will be a great resource. Commission Blueprint has a step by step approach and it will show you via online video and training pdf ebooks, how to properly do keyword research, set up your AdWords ads, product selection and scalability of winning keywords and landing pages combinations. The course also includes templates for landing pages that will help you get started if you don’t know how to fully design html websites.

This is by far the best product I’ve seen in a long time and it covers both free and paid methods to set up winning campaigns. The system, if worked as taught will give a huge advantage over other affiliate beginners that are struggling with PPC or other ways to drive traffic to a site. Even if you decide to not use AdWords as a means to drive traffic, it will still be a great way to learn the whole process of affiliate marketing and how to make money online, whether your interest is supplemental income or to eventually make it a full time activity.

Legitimate Online Payday Loans For People With Bad Credit

There are so many websites offering so many similar offers, it’s hard to know if you’re looking at an offer for real, legitimate payday loans online. If you need money for an unexpected bill or expense, then you certainly don’t have time to fool around with gimmicks. It’s aggravating and can lead you to even wonder if there are any legitimate offers for cash advances on the internet.

There are good payday lenders online.

There are some good legit payday loan companies that can help you. The trouble is that many folks just have a hard time knowing who they can trust. One thing that you should always make sure of, is that the site that you’re dealing with is secure. You don’t want your personal information being exposed to people that it shouldn’t be.

With good companies online, you can get cash for any occasion or expense. It’s an unsecured cash loan and the money is deposited into your account. Some sites offer a turnaround time on deposits in as short as an hour. Sometimes quicker, sometimes it can take up to a few days, depending on the lender that you use.

Whether or not you have a checking or a savings account doesn’t really matter. You just have to have a routing number and a bank account for the money to be deposited into. You’ve got to be over 18 and have a job. The more money that you make at your job, the more money that you can borrow. Usually a $1500.00 cash loan is easily obtainable. Just remember, even though it’s easy to get the money, you do have to pay it back. These types of loan companies do have collection agencies, so make sure that you pay your loan back, as agreed.

There is no credit check involved, so you can get a cash loan, regardless of your past credit.

Treatments That Help You Qualify For Clear Braces

Have you been told you are not a candidate for Invisalign®? Many patients visit their orthodontist in hopes of straightening teeth the clear way, only to be told they do not “qualify.” With the amount of limited orthodontic treatments however, every patient can become a candidate for Invisalign®. Though the Invisalign® system was originally intended for patients with mild to moderate teeth misalignment, advances in orthodontics have changed, allowing any adult to qualify for clear braces. In fact, many orthodontists have helped patients previously considered ineligible for clear braces become eligible through limited orthodontic treatments, such as: lingual braces, mini dental implants, and premolar extraction. Understanding the differences between each treatment will better assist you when it comes to choosing the best option for you.

Limited braces allow patients to straighten teeth by wearing the lingual system for a short period of time. Once teeth are placed into the position needed to meet the requirements for Invisalign®, your orthodontist will take the next steps in fitting you for your set of clear braces. The lingual system is an alternative to traditional braces and rests on the interior or lingual side of the teeth. Remaining unseen, no one will know you are wearing braces.

In comparison, mini dental implants replace the need for embarrassing headgear and can be used with or without braces. When used with braces, mini dental implants speed up orthodontic treatment by creating an external force to help shift teeth into place faster. When used without braces however, these implants provide a solution to straightening out specific teeth than may have collapsed inward due to a missing tooth. They can also shift a severely rotated tooth into its proper position. Like limited braces, mini dental implants control the movement of teeth until Invisalign® can be used to complete treatment.

In addition, patients who experience more severe orthodontic setbacks, such as overly crowded or protruding teeth may benefit from premolar extraction. This procedure involves removing one of the protruding molars, providing the room necessary for proper alignment. Once the site heals, the surrounding teeth will shift and create the space necessary in order to correct alignment.

With these limited orthodontic treatment options, patients can easily conceal their orthodontic treatments before qualifying for Invisalign®.Opting for clear braces means hiding your teeth straightening. Patients who have been told they do not “qualify” for the Invisalign ® system should not have to resort to traditional braces. Know your options and keep your teeth straightening concealed!

Economic Recession Blues – Hospitals Aren't an Exception

In its most recent update, the International Monetary Fund (IMF) announced that world growth is forecast to fall to its lowest level since World War II. And with the US being one of the worst hit, the hospital business, an integral part of the medical marketplace, and often regarded as recession proof is beginning to feel the heat.

Despite the fact that hospitals aren’t hit the way the way the automotive sector or the retail has been, and that people will continue to fall sick irrespective of the economy, it seems that the number of people seeking medical care and the profitability of hospitals don’t walk hand-in-hand.

Growth stunted & patients decreasing

A recent report by the American Hospital Association (AHA) finds that the sputtering economy has already led to 45% of hospitals to postpone forthcoming capital projects, with about 13% being forced to completely stall any expansion projects already underway. The AHA report included 639 hospitals in the study.

Further, experts believe that even though people continue to fall sick they’re postponing, most treatments if not all, which can be classified as elective. The credit for the prevailing scenario goes to all the layoffs and the slowing economy. As per the Bureau of Labor Statistics the month of December saw some of the worst layoff figures, as there were 2,275 mass layoff actions, involving 226,117 workers.

What seems worse is that aside from foregoing elective treatments, patients seem to be avoiding essential drugs, with many actually abusing prescription drugs, such as narcotic painkillers , sedatives and tranquilizers and stimulants.

As a consequence, hospitals are reeling under delayed hospital equipment and supply purchases, declining patient visits, reduced staff with no fresh hiring, unpaid medical bills, in addition to ceasing any construction projects. The AHA survey, released in November last year found that patient visits were static or had decreased during the third quarter of 2008, and the cases of unpaid medical bills for hospitals registered a hike of 8%.

The government’s role in uplifting the spirit of hospitals is being thought to be instrumental as Medicare and Medicaid account for about half of the hospital business industry.