5 Helpful Important Travel Tips About Cebu City
Traveling to a foreign country can be a worrisome or stressful situation, especially if you do not know anything about the place your going too. It is always a good idea to research about the destination you’re going too rather than going there blind. I have included 5 helpful important travel tips to know about Cebu City:1. Change your money before you leave the airport – It is a good idea to change your money in the airport your departing at or the airport you’re arriving to, typically there’s currency converting booths at the airports. It is also safe at the airport because of the security personals and cameras around the facilities.2. Try not to wear high brand name clothes or a lot of expensive jewelry – Usually the predators favorite victims are the ones that are wearing high brand clothing or jewelries that you can spot a mile away. Wearing casual clothing and not to much jewelry would be best.3. Always use public transportation or well-known rental car companies – There would be times where random people off the street offer cheap private chauffeur service. It would be more safe to spend more money on public transportation like taxis, buses and rental car companies rather than taking a chance with someone you do not know.4. Keep an eye on your cell phone or pager at all times – You will notice that around the city or local neighborhoods that theirs a lot of used cell phone stores or pawnshops that sell a lot of used phones. It is likely that if you lose your phone, theirs a good chance that you could find it at one of the used cell phone stores or a local pawnshop, but the bad part about it is that you will have to purchase your phone again, even if your full name is engraved on it.5. Always respect the culture whatever foreign country your going too – You will encounter a lot of different characters or be in situations where you think your right, but you have to keep in mind and try to understand that you’re in a foreign country and the people there sometimes or not at all see or agree the same things your accustom too, you’re in a whole new world and not at your backyard.
Home-Buying For the Telecommuter – Part II
If you already read Part I of my “Home-Buying for the Telecommuter” article, you understand that telecommuting offers some additional flexibility for telecommuters choosing a new home. The challenge of finding a home in just the right location may become easier to deal with if you don’t have to worry about the length of your commute. However, you also learned that there are some new factors for telecommuters to consider that are less of a concern for the non-telecommuter.In Part I we talked about the first factor – space. Now we talk about the next factor:Network Access:If you plan to do a lot of your work over the internet, perhaps connected to your company’s internal intranet via a VPN (Virtual Private Network), it is critically important that you have a fast network in your house. Working on an ongoing basis, regularly communicating by email and Instant Messenger, sharing and exchanging large spreadsheets or other documents, simply isn’t feasible using a simple phone-based dialup connection. You need something fast.While there are a few good options out there to most people, not everything is available to everyone. For instance, your standard DSL connection is simply not available at all houses – even in an affluent area full of technological conveniences. Availability depends on how close you are to the nearest cell tower. You may not be able to get DSL at all. Or you may only be close enough to get the basic connection which is slower than the much faster “professional” connection.There are other options like a cable modem, which is also a good choice (it’s what I use today). However, you still need to make sure your new house has capabilities for this.So when you start looking, explain to your realtor understands the importance of this factor. And if you see a house you really like, enlist your realtor’s aid in finding out in detail which internet access options are available.Read Part III of this article (look for it on my author page) to learn about the final, and rather surprising, home-buying factor for telecommuters to consider!
Low Costs And High Benefits of Life Insurance
Potential policy buyers should evaluate their budgets and purchase a low cost insurance plan if necessary. The Term Life Insurance premiums are relatively lower as compared to Whole Life or Universal Insurance policy plans. Ideally, Term Life Insurance is best suited for individuals who are young and in the prime of health.Term Life Insurance offers financial protection for a specified period called term after which the policy is likely to lapse. Term Life Insurance policy buyers choose a specific term of one year, five years or ten years. In the event of the death of the policy holder during the specified term or at the lapse of the policy whichever is earlier, the beneficiary receives the insured sum from the insurance provider.Based on the consideration of three important factors, policy buyers can assess whether or not a particular policy type suits their individual financial needs. These factors include fixed budgets and high premium cost affordability, the need for a low cost insurance and the policy buyer’s health and age.Term Life Insurance is influenced by the policy buyer’s net assets, income, debt and the capability to make timely premium payments. After evaluating these various aspects and determining the amount of insurance cover required policy buyers can purchase a suitable low cost plan from a reputed insurance provider. Individuals on a fixed budget can avail maximum protection at a relatively low price.Life Insurance costs can be further reduced by eliminating certain factors that affect policy pricing. Any health risks foreseen by the insurance company can contribute to the increase in premium costs. Factors such as personal habits, lifestyle and health can significantly increase or reduce premium costs. For example, smokers or alcoholics may have to incur high premium costs as a result of poor health. Most insurance companies categorize people with the same disease under one group irrespective of their stage of illness. Therefore, individuals suffering from any major illness approach an insurance company that considers the policy buyer’s application on an individual basis. Such consideration is important if policy buyers wish to avail of the benefits of a low cost insurance plan.Life insurance companies also consider occupational hazards and life threatening hobbies such as flying or extreme sports. Another key factor for availing a low cost life insurance is risk-free life. Thus, policy buyers can reduce the cost of premiums through a healthy and safe lifestyle which sufficiently reduces the risk quotient for insurance providers. Finally, policy buyers are recommended to take full advantage of cost break-ups offered by insurance companies. Term Life policy plans with the Preferred Risk category offer similar insurance cover at a relatively low price.
Online Business Loan – Which Online Business Loan is the Best?
With advent of the credit crisis, many businesses have seen their sources of working capital dry up, necessitating the need to find an online business loan. In reviewing the seemingly bewildering array of choices the internet seems to offer, many business owners may walk away with “information overload”, not being able to separate reality from the various claims that are made online.One key aspect to remember when searching for an online business loan is that a true business loan is not going to be “funded instantly” online. Despite what some of the headlines and ads may say, a true business loan will never be funded this way. What is confusing is that many personal cash advance companies, payday lenders and other non-business funding sources will also attempt to capture business loan traffic with a “shotgun” advertising approach, relying on the confusion in the marketplace to gain loan/cash advance volumeWhile these sources may provide capital to individuals in smaller amounts instantly based on a signature and the strength of personal credit, they are not business loans, but personal loans. Oftentimes they are considered, from a legal standpoint, to be “cash advances” and therefore are relatively unregulated when it comes to maximum rates and fees that are charged.What most business lenders will do online is allow a applicant to fill out a “pre-application” online, and then will be contacted soon thereafter to assess whether they are eligible for the loan. At this point, the applicant usually will have to forward supporting documents before they get a “hard pre-approval” that will give them the amount, rate and terms they will qualify for. This allows true business lenders to accurately assess and application and give the best rates.Luckily, there are some better options out there for those business retailers who are seeking quick funding but have been unable to get approved at a bank or the Small Business Administration. The Credit Card Receivable loan is a quick, low documentation, no upfront fee loan that has interest rates which are 50% lower than merchant cash advance companies and have no other requirements to purchase equipment or switch credit card processors. Usually, loans of this type can fund with 7-10 days, and a pre-approval within 48 hours is the norm. Loan amounts up to $500,000 are available.If you have been searching for a true, regulated online business loan that is cost effective and can work will a variety of business credit profiles, click here. Always remember to read the websites thoroughly to make sure you are getting a true loan, and not a cash advance no matter where you apply. A true, regulated business loan will always be more cost-effective over time, truly helping a business rather than causing further long-term financial distress
Where To Look For Your Business Loan
I hear this day in and day out; “My bank turned down my business loan request, now what do I do?”And, it is not just those talking to me personally but I see this same statement on forums and in discussion groups around the globe.If your bank says no, then you just have to look at the many other business lenders and their options that are out there.Banks don’t necessarily look for ways to approve business loans; they look for ways NOT to approve them. Give them one excuse and it is over.But, there are other lenders out there that want to make business loans – in fact, as lending is all they do, they have to make business loans or close their doors. So, they actually look for ways to make these loans (read: they work with you).Now, if you can get a business loan from a bank – then by all means. But, if your bank says no that does not mean your hunt is over.So, where do you look?You start by looking inside your own business.All lenders, especially those that lend to small businesses, lend against cash flow. Now, I know that you might have heard horror stories about debt ratios, collateral and credit. But, regardless if you have all those other categories or requirements, if you don’t have solid cash flow – then you have no real chance of getting a business loan; regardless of the lender.Even with banks, they may hoot and holler about all those other criteria items but when they really sit down to underwrite credit, they focus on your business’s ability to generate enough positive cash flow to make those monthly payments – period.If you have overall cash flow (from all lines of business in your company) – more money moving into the business than out of it (profitable or not) – then most banks will at least review your deal.So, focus on your cash flow and let that be the star of your business when applying for business capital.Now, however, let’s say you don’t have solid cash flow. Let’s say that your business is barely making it on an “all company” scale. However, you do have some opportunities that will bring in some revenue (cash flow) over the next few weeks or month.Well, there are many small business lenders out there that will lend against those cash flow events.Examples:You receive a large order from a strong customer but don’t have the cash on hand to start or complete that order. There are purchase order financing companies that will lend your business enough capital to complete that order (including to cover any needed labor). You complete that order, get paid, and then pay back the lender.Simple enough and all based on your cash flow prospective or a single cash flow event and not your entire business.Or, you have completed a job order and shipped it to your customer (with payment invoice). However, your customer is not expected pay you for 30, 60 or 90 days. Well, your business can factor that invoice for capital today to ensure that your company can pay its employees and suppliers or to start work on that next job order.There are working capital financing companies that will factor (provide your business cash) against those non-paid invoices and provide your company with the capital it needs now – focusing on these single events and not your entire business. Then, when your customer pays you, you repaid the loan.Or, your business has been generating sales to customers day-in and day-out. But, your business is not yet profitable – meaning that your company is still seeing more cash flowing out of the business then into it (a common situation for young and growing companies).But, you can remedy this negative cash flow condition if you can just get your hands on a little more cash to buy a new machine, launch a new marketing campaign or purchase more or new inventory.Well, there are lenders that will leverage your business’s ability to consistently bring in cash flow from your customers – regardless if your business is profitable or not, has collateral or not or that meets all those other stringent criteria that banks use to underwrite business loans.Some will lend against your credit card receipts (those receipts from purchases made by your customers via credit cards). Some will lend against all customers’ payments including credit/debit cards, cash and checks.And, some will lend against whatever cash flow you have flowing in and out of your bank account – called bank statement loans (loans that follow your cash and not based on your business’s financial statements).So, just because your bank or lender says no to your business due to overall company wide cash flow issues, you still have options that will allow your business to access capital and start moving forward.To begin, you have to look inside your business to see where your cash in-flow is coming from. Then, look for lenders that will underwrite a business loan based on that method of cash flow.If you have future cash events – events that bring in cash to your business in the very near future – and you need capital to help grow your unlock those potential revenue generating opportunities then look for lenders that will factor against those events.One of the most guiding principals of any successful business is its ability to leverage its assets and processes to grow that business. So, why not leverage your ability to generate cash flow and get the business loan your company needs to get to that next level – regardless of what your bank might says.
Successfully Obtaining a Small Business Loan
Working with a bank to obtain a small business loan can be an easy or difficult process, depending on how prepared you are to meet with the lender and discuss your business’ situation and needs.One of the leading causes of business failure is insufficient start-up capital. Ironically, though, lenders rarely approve loan requests for the businesses that have the highest need for a small business loan. Instead, lenders tend to prefer to offer small business loans to those businesses that have been in operation for two or more years.According to All Business, it is estimated that 95 percent of all entrepreneurs opened their businesses with capital from their own pockets, or from money they borrowed from relatives, friends, or another person in their community. Lenders want to see business owners risk their own funds in the business venture, and often require that the business owner or owners provide a minimum of 25 percent of the capital needed to start a business, and at least that much equity in the business if the business is already in existence. Simply stated, lenders aren’t as willing to take a risk when a business owner doesn’t even risk their own money in the investment. Businesses with a history demonstrating success in paying their bills for two and a half to three years will have the easiest time obtaining a small business loan because they’ve proven their ability to meet financial obligations.Preparing a Small Business Loan ProposalWhen preparing to apply for a small business loan, be prepared to face the facts that are against you, and use them in your favor. Persistency is necessary if you want to land a small business loan. Lenders follow certain criteria to determine if the small business loan is a wise investment for the bank. Most importantly, the bank will determine if the small business loan is likely to be repaid. As with other businesses, banks and other lenders must answer to their investors and stockholders, and unpaid loans show instability in the bank or financial institution.Items compiled into a small business loan request include the following:- Amount of money requested- Likeliness of business profitability and demonstration of cash flow needed to service a small business loan- Collateral, if any is owned by the business- A reasonable balance between debt and equityKnow Your BankerWhether you have a start-up small business or an established small business, the first step in obtaining financing through a small business loan is to develop a business relationship with your banker. Consider asking your bank’s manager to open a file for your business, and provide quarterly or yearly profit and loss statements. When your business is in need of financing, the bank will already have a file and will be at least somewhat familiar with your operations. When the time comes to apply for a small business loan, approach the banker with a solid business plan to inspire the lender’s confidence in your business. Provide information on business operations, marketing efforts, management ability, and financial projections for three years, as well as a cash flow projection and personal balance sheet demonstrating the worthiness of the business.To prove worthiness for a small business loan, prepare proper documentation. Keep your credit reports as clean as possible. A lender will assume that you operate your business in the same manner that you manage your personal finances. The lower your credit rating, the slimmer your chances are of obtaining a small business loan.When applying for a small business loan, search for a lender by first approaching the bank or banks in which you currently do business. Since you’ll need to share all of your personal and business financial information, it can be beneficial to apply with a financial institution that already has that information on file and is perhaps familiar with your profile and spending habits. If your credit rating is high, your changes are good of being approved for the small business loan.If you are unable to work with a bank or credit union in which you currently do business, or if you’d prefer not to work with your bank or credit union for your small business loan, look for a lender who wants your business. Search the business section of your local newspapers for special financing offers on small business loans and other loans. These lenders are actively looking for people needing small business loans, and the process of obtaining a small business loan with these types of lenders may be easier and faster. Additionally, check into credit unions. Because credit unions tend to be smaller financial institutions, you may be able to speak directly with a loan decision maker. Larger banks and other types of large lenders may have more rigid rules for small business loans, and the processes that they employ may be more complicated for small business loans.If, at First, You Don’t SucceedIf your first attempt at obtaining a small business loan fails, don’t be discouraged. Small business loans are often not approved with the first lender that you approach, and be assured that you’re not alone. Especially if you have a start-up business, lenders don’t always approve small business loans, even in the most ideal situations. Search for other lenders, or become resourceful and look into other sources for loans rather than a small business loan, including home equity loans and personal loans, both of which can be used for business purposes.
Make Money Fast and Legal by Gambling Online
A smart man once said that life is a gamble. He could not have been more right. Whatever career you choice is a gamble, what steps you take to advance in this career is a gamble, and even knowing when it is time to make your move is a gamble. How much are you willing to gamble when it comes to securing your financial freedom. I am going to let you in on the secret of real gambling.
There are online gambling sites that have are making people millionaires every single day. These site have high payouts as long as you are willing to place high bets. People go online in search of fast and legal way to make money. For whatever reason they have they need money so bad that they are willing to take the high risks. Some of them walk away made men, while the others just walk away.
Anything and everything that you do is a gamble. Some gambles are bigger than others, but you still never know what the outcome is going to be for the path you choose. Online gambling sites give you just as much of a chance to make money as other investments do. At least if the gambling investment pays off you will be instant gratification. Other investments and you risk the change of having the money that you made tied up for years in technicalities. Online gambling can be very addictive so make sure that you have a goal and know what your limits are so that you don’t get carried away.
If you need money now, like I mean in the next hour, try what I did. I am making more money now than in my old business and you can too, read the amazing, true story, in the link below. When I joined I was skeptical for just ten seconds before I realized what this was. I was smiling from ear to ear and you will too.
Imagine doubling your money every week with no or little risk! To discover a verified list of Million Dollar Corporations offering you their products at 75% commission to you. Click the link below to learn HOW you will begin compounding your capital towards your first Million Dollars at the easy corporate money program.
Online Casino Gambling – A Simple Guide To Gamble On The Web
The hassles of traveling all the way to a casino have not been a deterrent for any gambler in the past. However, the problem is that the casinos have never been satisfied with the number of customers they have nor will they ever be. This is one of the main reasons why every casino in the world has an online presence. And they hard sell their services to the world of waiting gamblers as a discount – or so it seems.
In this day of advanced technology you do not have to put in much effort to get yourself to a casino. The casino will bring itself you, in fact it will come right into your living room and offer you many ways to make money in a jiffy – all depending on your skills and ability to take risks and of course your accessibility to a personal computer and the internet . Many people have become addicted to these online casino gambling dens and are wishing they never stepped into it.
Once you have decided you want to enter the world of online gambling and you have gotten yourself a computer with an internet connection you are almost there. This is still not too late to contemplate turning back. However, if you have decided to go ahead there are a few things you must bear in mind.
Not all the online casino gambling portals are what they make themselves out to be. What I am trying to say here is that some, no most, of the sites are run by bad bad people. Know what I mean? I mean they are there to take you money and not return any of it. The games are fixed or are played by computers not real people. So do a bit of research before signing up with any of the sites and giving them access to your credit card information. A good place to begin your research will be the gambling forums. A lot of information is available there on most of the online casino sites.
The first point to look out for on an online is the winnings ration. A ratio that is too high means the books are being cooked, or to be precise the games in this case. The next thing will be to ensure that the online casino is tied up with a very reputable accountancy service or firm. This will give you a good idea of the levels of honesty of the online casino.
Only sign up with an online casino portal if the portal is legal. Then ensure that online gambling in your state is also legal. So, how do you determine of the online casino is legit? Go to the department of gambling in your area and look through the licensing documents. The department allows people to inspect the documents for a small fee, which is worth the investment. Then ensure that the portal has a 24/7 support system and a live one at that.
Once you have ensured the online casino is legit and you are ready to risk some of your hard earned cash in speculating your chances of winning – have fun but do not let it take over your life!
Turning the Odds in Your Favor When Gambling Online
So you want to beat the casino at their own game, you want so desperately to figure out a way to turn the odds in your favor when gambling online, well you are not alone, you and thousands of other online casino gamblers are thinking this very same thing. Maybe there’s no sure way of turning the odds in your favor when gambling online, but there are some online gambling strategies that you can practice to ensure that you are a winner, not necessarily the next online casino millionaire, but a winner nevertheless.
The first step to turning the odds in your favor when gambling online is to have a good strategy practice in place. Play games that you are familiar with, those that you understand, keep in mind that beginners luck may or may not appear and if it does it can only take you so far. Also start at the bottom, choose games that require the minimum number of coins but have a relatively good jackpot. Your cash flow will go a much longer way if you minimize your spending, plus you will get more game time. As you get more confident you can move up to the next higher paying game and so on.
Carefully examine the options of each game you intent to play, weigh the pros and cons of each game, know what the odds are, and work out a strategy to beat the odds and become a winner. If you are one of those people who likes everything to be done the easy way, then you are in luck, there are some excellent websites that do intensive research on online gambling games, and suggest various strategies to help you turn the odds in your favor when gambling online. It would be worth your while to give them a try, who knows you might become the newest online casino millionaire.
Gambling and this includes online gambling as well, is similar to those lottery tickets you purchase, it’s taking a chance and hoping for the best, and if possible having a little fun. The real culprit responsible for you winning any kind of game whether it’s online casino gambling, purchasing a lottery ticket, or playing at the regular land casinos, is “LUCK”, yep folks luck is all it takes to turn the odds in your favor when gambling online or gambling in the regular land casinos. Let’s just hope lady luck is on your side. Good Luck.