Money Gifting Programs Pay Big Money

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Cash King Frank Poretta, Leading The Wise To Wealth

Money gifting programs better known as cash gifting programs are not only just a great way to generate money from home; it is LIFE CHANGING when you go from $500-800 a week at your job to $500-1,000 a day. Yes, it takes a few months to reach that kind of money gifting level but it is real and can be done with a little elbow grease and an open ear. It did not take me long to start receiving cash about 2 weeks after I was coached properly and targeted my marketing correctly. Money Gifting Programs are no different than any other online business when it comes to marketing and trying to generate new leads. You need to have a solid foundation on the basics and then someone training that knows the tricks of the trade to get you a step ahead so you can excel rather quickly.
Money gifting programs typically fall short on internet marketing training because they are trying to automate everything so nobody has to do anything but collect the cash but as you and I know you have to work to reap any rewards. Yes, Money Gifting is the easiest way to generate cash that I’ve ever been a part of but you need to work the system in order for it pay dividends so to speak. The system cannot be completely automated you will need to be trained on a few key elements of money gifting itself and online marketing tricks of the trade outside of your automated system that you are provided by the money gifting programs.
I see so many of these money gifting programs making money gifting look so easy and effortless that cash will just pile up at your front door. Let me tell you that I work very hard to generate 6 figures a month and love every single minute of it. I still have the ability to take a week or two off if I feel like it or even a month or two but I love building up my team with real cash gifting members that are serious about generating big money online not just a measly few thousand a week. Money Gifting Programs are supposed to be very laid back, quite and private like mine is without a bunch of hype and have a member screening process so you don’t attract the wrong type of people mainly the lazy people.
Money gifting programs can be the greatest thing that ever happened to you or the most frustrating thing. It all depends on which money gifting program you choose and the motive behind choosing that particular money gifting programs. Do not go into it thinking that a system will teach you all you need to know because unless you like to learn from your mistakes over and over then this is not the way to go. You want to make sure your inviter, sponsor or cash gifting mentor …

Indonesia Insurance industry as an highly untapped market

In the latest Indonesia Insurance Industry Report released by Emerging Markets Direct, it says that Indonesia insurance industry is a very attractive and largely untapped market. As of 2008, the country was home to more than 210mn people while the number of insured people was 16.48mn, which implied that only less than 10% had life insurance. Seen in this light, foreign insurance companies had entered into joint ventures with local companies due to the low market penetration rate and the policies set by the Indonesia government.

Next to India and China, Indonesia is definitely one of the insurance markets in Asia with huge growth potential. The Indonesia insurance sector consists of a number of players. As of end 2009, there were 283 companies in Indonesia owning insurance business licenses. There were no much changes made to the number of life, non-life, reinsurance, social insurance program and workers’ social security, and insurance for civil servants and armed forced companies as compared with 2008. There were even no new insurance companies over the past 5 years due to the relatively high minimum equity of IDR100bn set by the government.

Over the past 5 years, total assets and total investments of the insurance industry as a whole have risen, especially for the reinsurance sector which saw the highest growth rate y-o-y of 21.79% for total investments and total assets. Net premium for non-life insurance and reinsurance has been rising since 2006, from IDR 8,147bn to IDR11,810bn in 2008.

Despite the vulnerability of the Indonesia Insurance industry to natural disaster, the overall industry ratio of gross claims to gross premiums was still manageable. It was recorded that the ratio varied from 48% to 61% in 2008. What’s more, a major part of risks covered by local insurers was ceded to offshore reinsurance company. In recent years, the retention ratio (measured by net written premium to gross written premium) was very conservative and ranged from 34% to 54%. Indonesia’s insurance industry suffered from deficit transaction, in this regard, our analyst thought that consolidation was vital for insurance companies to strengthen their capital base in order to stay competitive.

What are the market trends and outlook of the Indonesia Insurance Industry? How did the issuance of Indonesian Insurance Architecture (Roadmap) affect the industry? How many insurers licenses were revoked as a result of the minimum solvency requirement specified by the Ministry of Finance? What are the prospects of Takaful (Islamic insurance) in Indonesia? What were the requirements set by the Ministry of Finance (MoF) for foreign insurers to enter the Indonesian market?

Want to have an overview and competitive analysis(SWOT) of the major industry players?
-PT Asuransi Allianz Utama Indonesia(Allianz)
-PT Asuransi Sinar Mas (Sinar Mas)
-PT Panin Life Tbk(Panin)

Check our pages to see more details about the latest Indonesia Insurance Industry Report:
http://www.emergingmarketsdirect.com/products/Indonesia-Insurance-Industry.html

Table of Content

1. Industry Profile
1.1 Sector Overview
1.2 Sector Size and Value
1.2.1 Insurance Companies
1.2.2 Total Assets and Investments
1.3 Sector Performance
1.3.1 Gross Premiums and Claims
1.3.2 …

Owner Financing: Five Costly Mistakes to Avoid

1. Not getting a big enough down payment

When structuring a deal, you need to be thinking of not only what will go right, but what might go wrong. You may think you are helping out the buyer when you finance 100% of the purchase price, but you are putting yourself at risk. If the buyer doesn’t have anything invested in the property, he has nothing to lose by stopping payments to you. Even if you get 10% down, it may not be enough. If the buyer stops making payments, you have to foreclose, AND the buyer trashes your place before he gets out, the amount of money you made on the down payment may be gone with legal fees and repairs before you even have time to think about it.

There is a reason that mortgage companies usually ask for 20% down and only finance 80%. Follow their lead.

2. Not checking out your buyer with proper underwriting

The time to worry about a loan and the borrower is before the loan is made.

Get to know your buyer as much as possible. Someone who has given you indications of being deceitful or unreliable is probably going to continue to be that way when working with you, even if credit scores and employment histories are impeccable. On the other hand, someone with good character with bruised credit just might be worth the risk.

Get permission from the buyer to check his credit report. Learn to read a credit report. Has the buyer been late on a lot of payments recently? Have there been any recent foreclosures or charge offs? Does he have the ability to pay? Are the ratios between his income and expenses similar to what a mortgage underwriter would expect?

3. Not using professionals to help complete your transaction

Use a lawyer to help you draft your documents. Use a title company to close your transaction. Use a real estate broker to negotiate the deal.

These professionals know all of the ins and outs of their profession. The money you spend on them will keep you safe and legal.

4. Not planning an exit strategy in case of changing circumstances

Suppose you sold a $100,000 piece of property with 5% down. Right now, you may be happy with taking a note for $800 per month for 20 years at 8% for your $95,000 note. But, what if you need some cash and need to sell your note? A note buyer would not want to buy a note with 95% Loan To Value. Or at least not without a steep discount.

A better strategy would be to create two notes, a first for $80,000 and a second for $15,000. You might even write the second with a faster amortization so that the buyer’s payment goes down in a few years when the second is paid off. An investor who would buy your note would be more willing to buy your $80,000 note than a $95,000 note.

5. Not

Make Concrete Blocks–a Profitable Business

Concrete blocks are a staple of the building trade. They are used to build everything from huge buildings right down to a small backyard barbeque. There is a constant demand for them.

When you are in the concrete block manufacturing business you are selling a commodity. They are not a widget which is in demand now but not next year. The market for cement blocks continues to grow and probably will for a long time to come.

You do not need a lot of money to get started making concrete blocks. This is a really solid business which you can start from home,working from your garage. With hand made molds you can easily turn out 100 blocks in a day’s work. Molds are easily made from plywood and sheet metal in your home workshop.

It is possible to build a very profitable business by working evenings and weekends. It costs very little to get started and profits can be very good. All you have to do is make some hand molds,from available plans,fill them with the right concrete mix and turn out the blocks to dry. Portland cement,sand,gravel and water in the right proportions are the ingredients for the concrete mix.

Working from your garage you have low overhead costs. You have no rent to pay and no employee wages. This gives you a huge advantage over bigger manufacturers who must pay for business premises and employee wages and benefits. You can sell your blocks at a highly competitive price and do very well.

In addition to this you have no transportation costs. Bringing concrete products from a distant manufacturer is very expensive due to their weight and size. Local buyers are very happy to have a home town,low cost,supplier. You can sell at a very good price to them and still make an excellent profit.

You will reach a point where demand outstrips the quantity of blocks you can turn out. One person using hand molds can turn out about 100 blocks daily. Part time work will not fill the demand for your product at some point. You then have to consider going full time in your business.

You will find it necessary to acquire a concrete block making machine to boost your production to hundreds of blocks per day. A helper will be needed to carry the finished blocks from the machine to the drying racks. You will also have to think about renting larger premises to accomodate the racks needed to dry a large number of cement blocks.

Concrete block making machines are expensive. They are made by various manufacturers and cost several thousand dollars. Your other option is to build your own machine. Using available plans you can build an excellent machine from auto parts and a few odds and ends of materials. Some welding is needed but a welding shop can do this for you at quite low cost.

Building your own concrete block making machine is not difficult. Plans with instructions are available for …

Pay Day Loans – Every Piece Of Information You Should Know!

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If you believe you need to get a payday loan, figure out each payment that is associated to buying one. Never go with a business that appears to be seeking to cover up charges and high interest rates. You should get the account to pay back the money with time and you should not apply it frivolously.

Understand what APR means before agreeing into a payday advance. APR, or yearly percent amount, is the level of attention the firm costs in the loan while you are paying out it back again. Though payday loans are quick and convenient, compare their APRs with the APR incurred from a banking institution or maybe your visa or mastercard organization. Probably, the paycheck loan’s APR is going to be greater. Check with precisely what the payday loan’s monthly interest is initial, before making a determination to obtain any cash.

Beware of dropping right into a capture with payday loans. In theory, you would pay for the loan way back in 1 or 2 days, then move ahead together with your lifestyle. The simple truth is, nevertheless, many individuals do not want to settle the money, along with the balance maintains going onto their next income, acquiring large amounts of attention with the approach. In cases like this, some individuals go into the positioning where by they are able to by no means pay for to get rid of the financing.

If you believe you have been taken advantage of by a payday advance business, report it right away for your express government. Should you delay, you can be negatively affecting your odds for any kind of recompense. Too, there are numerous individuals out there just like you that want genuine support. Your revealing of these bad firms are able to keep other individuals from experiencing very similar circumstances.

While searching for a pay day loan, usually do not choose the initial organization you see. Rather, compare as many prices as possible. Even though some firms will simply ask you for about 10 or 15 percent, other individuals could charge 20 or even 25 %. Research your options and discover the most affordable company.

If you do not know a lot in regards to a payday loan however are in eager demand for one, you may want to meet with a personal loan expert. This may also be a friend, co-personnel, or family member. You would like to make sure you are certainly not acquiring conned, and you know what you really are getting into.

If you’re nearing the particular date whenever your cash advance has to be repaid, but are brief on funds, ask the company to provide an extension. A lot of companies will allow you to come with an added day or two to cover if you want it. …

Homeowners Insurance – Premises Liability Insurance

Premises liability coverage is the term for the insurance that protects you and your assets in the event that you face a lawsuit arising from an injury sustained on your property. Part of standard homeowners insurance, premises liability coverage pays for your legal defense if you are sued by a person injured in or around your home. It may pay for damages that are awarded as well. If a visitor to your home is injured through their own carelessness, their lawsuits normally do not succeed. However, if a person is injured due to carelessness or negligence on your part, then you might be liable for damages.

For example, let’s say that you decide to replace a damaged plank in a deck on the side of your home. You remove the plank and take it to your garage to mark the replacement for cutting, but you are interrupted before you finish the job. You let your family know there is a missing plank on the deck, but you do not mark the area with caution tape or safety signage. That evening, a stranger stops by and decides to seek entry from the deck instead of the entry door. Unaware of the missing plank, the visitor steps into the opening. He sustains serious injuries to his knee and back.

In this scenario, the visitor has grounds for lawsuit because you failed to maintain a safe property. He had a reasonable expectation that he was walking on a safe, level surface. Your removal of the plank and your failure to mark the danger amounts to negligence. If you have homeowner insurance, your insurer will pay for your defense and for any losses arising from the claim.

Things could get complicated, however, if the injured party claims the injuries were sustained as the result of an intentional action on your part. In the example above, you intended to replace the plank, but your good intentions would not prevent the visitor from at least alleging not only negligence, but also intentional action. Most home owner insurance excludes intentional actions from their premises liability coverage. For example, if you lay a booby trap for trespassers or burglars, injuries caused by your actions would be excluded from coverage. Your insurer would be required to mount a defense in your behalf, but it could issue a letter stating that it does not agree to pay for damages arising from actions excluded by the policy. If the litigant convinced the court that you removed the plank to protect your home against burglars, you would have to pay those damages yourself.

As with all insurance, you must read your policy carefully to understand what it covers and what it excludes. If, after reviewing your policy, you still have questions about your premises liability coverage, ask your agent. You might have special circumstances that require a rider to guarantee that you are covered against liability claims. Considering that a fair-sized injury loss could wipe out some or all of your savings …