How To Buy Home Insurance

Householders' insurance is a requisite, something every property should have. If you have a mortgage, your loaner will command coverage -- and if your home is mortgage-free than you should have reporting anyhow. But not all coverage is alike. Policies and protectives cover differ, then do costs. In essence, you want the most shelter for the least number of dollars. Householders' insurance broadly comes in exchangeable packages. For instance, the most basic sort, HO-1, proffers protectives cover atomic number 47. What form works best in your situation? What is included under the form you select -- and what is excluded. Do you have a personal office at home? If yes, what is covered? Do you have a home-based business? If yes, you may require additional coverage specific to the type of...

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How to Choose a Planner

You may be considering help from a financial planner for a number of reasons, whether it’s deciding to buy a new home, planning for retirement or your children’s education, or simply not having the time or expertise to get your finances in order. Whatever your needs, working with a financial planner can be a helpful step in securing your financial future. You should interview and evaluate several financial planners to find the one that’s right for you. You will want to select a competent, qualified professional with whom you feel comfortable, one whose business style suits your financial planning needs. 10 Questions to Ask When Choosing a Financial Planner 1 Q. What experience do you have? A. Find out how long the planner has been in practice and the number and types of companies with...

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Insurance Tips For Homeowners

The good news is that although you can't (and shouldn't) avoid purchasing homeowners' insurance, there are ways to minimize the cost. (To find out more about homeownership, see A Tax Primer For Homeowners, Fix It And Flip It: The Value of Remodeling and Mortgages: How Much Can You Afford?) Here are six ways to make sure you get the right coverage and consequent compensation for your home: 1) Maintain a Security System and Smoke Alarms: A burglar alarm that is monitored by a central station, or that is tied directly to a local police station, will help lower the homeowner's annual premiums, perhaps by 5% or more. In order to obtain the discount, the homeowner must typically provide proof of central monitoring in the form of a bill or a contract to the insurance company. Smoke alarms are...

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Indo Tambang 1Q Profit Increases 41.77% On Higher Sales

JAKARTA: Coal miner PT Indo Tambangraya Megah Tbk (ITMG), that is controlled by Thai Banpu Plc, experienced a 41.77% increase in net profit for the first quarter of this year on the back of higher net sales. Indo Tambang posted US$95.23 million net profit or US$0.08 per share in 1Q 2011 from US$67.17 million or US$0.06 per share in 1Q 2010. Operating profit increased 25.82% to US$117.43 million from US$93,33 million, reflecting a higher margin to 25.07% from 23.17%. Indo Tambang booked a 16.24% increase in net sales to US$468.33 million from US$402.89 billion. Enel Trade SpA made a US$48.67 million of coal purchase from Indo Tambang, counting...

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5 Easy Steps to Becoming a Millionaire

Who wouldn't want to be worth a million dollars? Many of us dream of achieving this goal, more often than not for the sake of the freedom financial stability would bring. So how can we get there? The answers are actually much easier than you might expect. Here are several easy steps to get you into the millionaires' club. (With a little discipline and the help of some powerful savings vehicles, anyone can hit this mark.) 1. Only Marry Once According to "The Millionaire Next Door" by Thomas J. Stanley, Ph.D and William D. Danko, Ph.D, the average millionaire is married with three children. The wives of these millionaires are good budgeters...

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Health Insurance Tips

Everyone has different medical insurance needs, so no one answer, insurance provider or insurance plan is going to work for every patient or family. So here are 8 health insurance tips. 1. Group Insurance Plan If you have the option, sign up for your employer's group health insurance plan. Company insurance is going to be the cheapest insurance plan you can buy, because you get the group rate. If you are a self-employed contractor or you're a small business owner, this option won't be open to you. You'll have to find other ways to get good health insurance. 2. Get COBRA Coverage Those who have recently left a job which provided you with...

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Tips on How to Choose a Business Partner

Approach finding a business partner as you would a combination spouse/day care provider. A partnership is a long-term covenant between two (or more) people. You will spend a lot of time planning major business events with your partner and need to be able to get along with him/her. Your business is something you gave birth to and will have to nurture to help it grow. You want a partner that will approach your business with the same level of enthusiasm and commitment that you have, but who also shares the same business "parenting" philosophies. 1. Find a Partner That Shares Your Values, Entrepreneurial Spirit, and Vision Of all the things...

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3 Tips to Work Online

Author: TJ PhilpottLearning how to work online successfully will involve both strategic thinking and a firm commitment on your part. Marketing an online business calls for the willingness to invest the effort along with the  ability to maintain your focus. Having a strong desire to reach your goals is all you really need along with an awareness that the internet will present many distractions that will challenge your focus. Here are 3 tips that will help keep you on the right track to successfully marketing an online business leaving it simply up to you to stay the course! Expect to Invest an Effort There are no free rides or overnight riches. These are only phrases originating from sales copy used to sell products and are not reality based! The  advantages of marketing an...

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The Key To Finding The Right Career Direction

Your career, like any journey, has a beginning, an end and a direction. For many people, the present direction of the career is probably not a result of entirely their own choices. If, for some reason, you are not happy with the direction of your career, there is a way out: Take charge of your career and change its direction. 1. Know yourself Has it happened with you that after desperately looking for something (e.g., keys) all over the place, you eventually found it right in your pocket or drawer? That's exactly the case with finding a new career direction. Usually, we try to search for a new career direction by looking all around,...

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Tips on Selecting An Insurance Company

When shopping for auto insurance, do a little homework first, shop around, and select your insurer carefully. Your insurer should offer both fair prices and excellent service. These tips will help you find the right insurer for you: Know your state's auto insurance requirements: Most states require you to carry a minimum amount of liability coverage. Many states have "no-fault" auto insurance systems. Coverage for medical costs for you and your passengers is optional in some states. Coverage for damage to your car is optional. Write up your personal auto insurance profile: List pertinent information concerning what type of vehicle you...

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Tips for choosing a Bank

Tips for choosing a Bank that's Right for you: Shop around -- Shop around for a bank that offers the services that you want and whose fees are competitive. Choose a bank that is FDIC insured. This means that your bank account is insured up to $100,000. Bank Fees - Look very closely at the fees associated with bank accounts. You will find the fees in the fine print. This is where banks make a lot of money these days. Fees you should look out for: ATM Fees, balance inquiries, flat monthly fees, per-check fees, overdraft protection fees, fees for going below the minimum balance, bounced check fees, fees for using ATM's that aren't associated...

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Curriculum Vitae (CV) Format

This curriculum vitae example lists the information you will need to include in your CV and provides the appropriate format for a CV. Keep in mind, that if you are writing a CV for an academic position in the United States, you do not need to include the Personal Information and Optional Personal Information that is typically included in an international curriculum vitae. Curriculum Vitae Example CONTACT INFORMATION Name Address Country Telephone Cell Phone Email PERSONAL INFORMATION Date of Birth Place of Birth Citizenship Visa Status Gender Additional Personal Information: Optional Marital Status Spouse's Name Children EMPLOYMENT...

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Curriculum Vitae (CV) Tips

CV references are usually straightforward. They're people who can give first hand information relevant to your job applications and testify to your skills, character and experience. Choosing references, however, can be considerably more complex in some cases. Choosing your references You need a good references who can speak on the same professional level as your new employer. In principle, the preferred choices of referees are managers or supervisors who can speak to other managers and supervisors on the same level. This does mean "speaking the same language", in terms of employment prospects, looking at your application from the same perspective. Although...

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Tips on writing an Application Letter

Writing a Job Application Your application is the first contact you will have with an employer. The employer will use it to help decide if you are suitable for the job and if they would like to give you an interview. It is most important to take time and care with your application. Make it look good and make sure all the information is clear and easy to read. Make sure you use paper that is size A4. The Application Letter There are many ways you can write a letter for a job. One way is, your address, phone number and the date must be on the letter. Always address the letter to the person named in the add. If there is no name mentioned...

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Curriculum Vitae (CV) Example

PROFESSIONAL CAREER: Head of Public and Building Services at The Casa da Música Concert-Hall (Porto) September 2006 - Present Head of Public Services at the Casa da Música, responsible for: Coordination and management of the Front of the House staff team and services Coordination and management of the information desk and call centre team Coordination and management of the guided building tours team Coordination and management of the commercial department, which is responsible for the commercial exploitation of The Casa da Música’s facilities, either for private or corporate functions, shows, etc. Coordination and management of the contracts and activities of the outsourcing companies responsible for the catering and parking...

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Curriculum Vitae (CV) Example

FRANCISCO PIRES PERSONAL DETAILS Full name: PIRES, FRANCISCO Manuel Prego de Ochôa e Azevedo Nationality: Portuguese (born in Lourenzo Marques, Mozambique) DOB: 17:12:62 Marital status: Married Address: Rua Augusto Gil, 41 – 4460-211 Senhora da Hora, Porto, Portugal Mob.: (+355) 932 687 548 / (+355) 964 644 718 Fax. : (+355) 220 125 439 E-Mail: abcd@clix.pt PROFILE My career has led me to specialize increasingly in the management of complex multi-cultural projects and their staffs at international levels. I have experience in: strategic forward-planning; operating within the tight financial disciplines imposed by ambitious budgets which I have helped to plan; methodical administration to deadlines (not to speak of crisis management where necessary); and the application of modern...

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Car Insurance Tips to Save You Money

Here are some great tips that could save you money on auto insurance. 1. Raise Your Deductible One way to save money on car insurance is to raise your deductible. A higher deductible will result in a lower premium. Just remember that you will need to pay the deductible in the event of the accident. So don't raise it so high, that you can't afford to pay it if you were ever to get in an accident. 2. Take a Driver's Safety Course Did you know that taking a course in Driver's Safety could save you money on your policy? Many companies offer discounts to customers who complete an approved driving course. See if your insurance company could...

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Save Bank for Your Money

With all of the banks going under in these times this is how you can be sure that your money is in the right place so that you will have it once the economic downturn is over. Instructions 1. Do your research on a stock market website. Etrade is one that yiou can use to see how the earnings have been for the company and what the estimated are for the future. Go to the accounts webpage and simply search for a banking company and see what their future is. 2. Go with a bank that is stable and has been for a long time. You never really know which bank will be the next to go under, but chances are that if you pick one that has been around for...

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Tips for Business Success

What's important to the success of small-business owners and entrepreneurs? Knowledge, skill and talent. However, many competitors have the same traits you do. The key to beating the competition and achieving success is mental, reflected in one's attitude, totally controlled by the individual and requires no cash. This holds true in most human endeavors besides business — in sports, the arts and politics. How many times have we seen the underdog team or player win over the more talented opponent? The difference is often attitude. These 12 attitude attributes can put you in the right mindset for achieving entrepreneurial success. 1. Have...

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Five Ways to Keep Cash Flow Pumping

For start-up business owners, one of the biggest -- and most common -- mistakes you can make is to place other business goals ahead of your company's cash flow. While it's important to spend time on building your brand and generating sales leads, it's downright vital to quickly cultivate a steady stream of what accountants call "free cash flow" -- that is, the amount of cash coming into your company over and above all of your expenses. After all, if you don't have money, you won’t be around long enough to worry about those other things. If possible, keep 10 percent to 20 percent of monthly revenues on hand because at that point, in most...

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10 Tips for a Strong Start

As someone who has been called a serial entrepreneur, I've had more than my fair share of experience starting new enterprises, turning around underperforming enterprises or re-vamping operations. During that time, I've learned a thing or two about some critical factors you absolutely need to know before you jump into the proverbial entrepreneurial waters. In the majority of cases, start-up success or failure is all about knowing the both the how and the why of taking action, and always being clear about which steps to take next. To help this process, here are 10 essential things you need to know about running a successful business. Use...

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