Why You Should Use a Letterhead

All types of communication from a legal institution, whether a large or small university or any corporate entity could not be regarded as official unless written in a paper with a letterhead.

This letterhead is the heading at the top of a sheet of letter paper. It usually consists of a name and an address, and a logo or corporate design, and sometimes a background.

A letterhead may also refer to a piece of letter paper imprinted with such a heading or a printed stationery. A business letterhead normally comprise a logo, a return address, and a telephone number. Direct marketers have found that the design of the letterhead can impact response to a promotion letter.

For promotion letters, it is good to create one of a kind letterhead for each letter, one that is designed to the style of the letter copy altering the logo, color, or even return address. For instance, a fund-raising campaign letter for a nonprofit organization may use a simple black-and-white letterhead rather than the organization’s usual two-color embossed, gothic-type letterhead that may sound too sophisticated.

Some marketers have rented post office boxes in a location suitable to their product, such as a Washington, D.C., box to use as a letterhead address for a political fund-raising campaign or a Florida P.O. Box to use for a cruise line. At the same time, there are other traders, who consider a color letterhead will create a more positive feedback than a black-and-white letterhead, unmindful of the promotion type, because the color stimulates the reader’s level of interest in the letter.

On the other hand, there are various legal constraints on the items included in a letterhead, for example in England and Wales it may include the names of all directors or none, but not a selection.

Nevertheless, it is important that whether you are a small business or a multinational one, top management should never forget about the letterhead, as others simply overlook the importance of the letterhead. A company’s letterhead is truly an essential piece to their business identity. It sets the stage for everything else that follows. Almost every piece of advertising literature that the company produces will feature its letterhead, which continually reinforces its importance.

So invest some time in creating a solid letterhead. Consider what feeling you want each of your customers to have when they receive something from you, and incorporate that into your letterhead design. Among the things you should consider is the color. A black and white letterhead can be effective, but there really is no reason why you shouldn’t use color. Color printing is not that expensive, and the positive impact it will have on your letterhead is significant. Use colors that emphasize the purpose of your business and that evoke the type of feelings that you want your customers to have.

Another thing to consider is the paper. The smoother the paper, the better your letterhead will look. In fact, for any literature that you print yourself, you …

business, insurance, money

A Handy Guide To Cyber Insurance

Cyber insurance covers a broad range of exposures, including hacked computers, viruses, denial of service attacks, and a bevy of other claims. With the right policy, it can be extended to include trademark and copyright coverage.  All firms that utilize IT professionals should purchase a cyber insurance policy that is tailored to meet the needs of their own organization.

What is Cyber Insurance?

Cyber insurance can include a number of different exposures from network security which protects against hackers, to claims that you were negligent in meeting your responsibility to protect the data and computers of your clients.  The abuse of websites has given rise to unanticipated numbers of copyright and trademark violations.

Most states now have laws that require you to inform your customers when their data has been compromised on your system.  Even if no further damage develops, the cost of notification typically approximates $8 per record.  In other words, if a hacker successfully penetrates your server housing 150,000 customer records, the cost of notification could be $1.2 million, even if you weren’t negligent.

The availability of cyber insurance has expanded rapidly in recent years.  There are now over a dozen insurance companies that offer well structured, competitively priced cyber liability insurance policies.  Be advised, however, that coverage is not standard.  A well qualified agent, schooled in the technical issues surrounding cyber liability can help you navigate the available coverages.

3 Tips for Building Cyber Insurance Policies

  1. Know your coverage. General liability insurance policies are designed to protect you if you are negligent, but in order for coverage to be triggered, they require property damage or bodily injury. Cyber attacks typically cause money damages, but to not necessarily physically harm your system.  In order to be covered, you will need to purchase a policy that is specifically tailored to your company’s exposures.
  2. Maintain a strong infrastructure. Insurance companies will only agree to insure you if you take active steps to protect yourself. A formal IT audit of your systems will increase your access to insurance coverage, and can dramatically reduce premiums.  The audit will cover a variety of internet security issues.
  3. Build sound internet procedures that require frequent changes in passwords and that regulate what can be placed on your site.  Most copyright violations result from employees posting material from other sites on the web.  Make sure that they understand what is and is not acceptable.

A Business Investment

Since many companies will not report incidences of data loss or denial of service attacks, it’s difficult to gauge the frequency of cyber insurance claims. You should use common sense and only cover your company for claims that you can anticipate.

Still, buying cyber insurance is a necessity for companies who deal extensively with technology. Assemble a plan that will cover you so that you can run your business securely.…


What to expect from a good personal injury lawyer

Accidents caused by another’s negligence can not only be frustrating, but devastating.  Hiring a personal injury attorney can ensure that you get the compensation necessary to cope with the injuries and devastation caused by someone else’s negligence.  There are many personal injury lawyers in Utah, but it is important to know what you should expect from a good personal injury lawyer before you decide on which Utah personal injury lawyer to hire.

A good lawyer should be attentive to you.  When you’re dealing with the pain and difficulty of a serious injury it can be frightening to have your fate in the hands of a lawyer you’ve never met before.  A good Utah personal injury lawyer should recognize what is at stake for you as well as acknowledge and be considerate of the fact that this process is unfamiliar to you.  

They should be a good listener and communicator and help you develop reasonable expectations for progress and outcomes of the case. You should not have to wait and wonder when you’ll hear from your lawyer next, each time you speak with them they should let you know when you can expect to hear from them next. 

A good personal injury lawyer should be able to explain to you what is happening in your case.  The defendants and their lawyers are going to be doing all they can to keep you from getting what’s fair and it will take more than just having the truth on your side to win your case.  

A good personal injury lawyer will fight for you and be dedicated to making your case as strong as possible.  You want a Utah personal injury lawyer with a strong work ethic who will work hard for you, keep your case moving forward and keep you updated on your case.  

You should also expect your case to get the personal attention it deserves.  Before choosing one of the many personal injury lawyers in Utah, you should consider how many cases the lawyer is handling.  If they are handling hundreds of cases at a time it will be impossible for them to give your case the attention it will require.  

This doesn’t mean you have to be the only case they have, but if they are handling hundreds of cases at a time, you can be sure that the work on these cases is mostly handled by the staff and not the lawyer.  You want to make sure you are getting an experienced lawyer with a manageable case load that has the time to dedicate their experience and knowledge personally to your case.




How to get paid to click unlimited ads

The only way to keep up with the latest about get paid to click unlimited ads is to constantly stay on the lookout for new information. If you read everything you find about get paid to click unlimited ads, it won’t take long for you to become an influential authority.

Hopefully the information presented so far has been applicable. You might also want to consider the following:

It is just as simple as it sounds. You are paid to click ads. Stop getting annoyed whenever such an advertisement pops up and see the positive side of it. Consider that whenever such a thing happens, instead of a pop-up window, dollars appear. Now, all you have to do is click on them, and the money is yours to spend. The more ads (dollars) you click the more money you earn. It is not a scam, it is advertising. The companies or persons that advertise afford to pay people to click on their ads. The more people click, the more money the company spends, but if one in a few people purchase their services or products, the ads are profitable. Join other thousands of people who earn money online every second. It is almost too easy to be true.

How can I get paid to click ads?

Simple! Browse the net and choose one of the many “get paid to click ads” programs. Register, follow a few guiding steps and there is nothing more to stop you from winning money online. Honestly, I must call it winning money, rather than working, because it is simply too easy to do. You are not required to leave the intimacy and comfort of your house. If you are a night person, this opportunity fits you like a glove because you make your own schedule. No traffic to beat, no competition to outrun, none of the negative aspects of a “regular job”, no stress. Just get paid to click ads. “Click’n’cash” could be your motto from now on. The more you click, the more you earn. You can work from every computer you want as long as it is connected to the Internet. Work from the beach or from the park if you want. You can make the money to buy a laptop in no time using a “get paid to click ads” program. Let everybody know about this opportunity. They might even pay you for this. Your life could be so much easier. Give it a shot. Your first paycheck is already knocking at your door.

You can’t predict when knowing something extra about get paid to click unlimited ads will come in handy. If you learned anything new about How to get paid to click unlimited ads in this article, you should file the article where you can find it again.…

business, insurance, money, personal

Why is Insurance Important?

There are different types of insurance. Home, automobile, and life are just three of the various kinds of insurance policies that are available for consumers. Insurance, of all kinds, is used to help protect consumers when certain things happen. For the most part, this protection comes in the form of money. It can also provide protection from liability, damages, and financial loss, but in the end, it usually comes down to money.

Most consumers know that there are certain types of insurance that are mandatory. Many states require that automobile owners carry a minimum amount of insurance for each vehicle the person or business owns. As with some other types of insurance, automobile insurance can be somewhat broad in nature. In other words, you can buy a simple liability policy that will pay a certain amount of money to someone that you have an accident with, but will pay nothing towards your own damages. Moving up the scale, you could purchase a more comprehensive policy that pays for damages to both you and the other person, including medical awards and property damages. There are levels of coverage all along the way, and this is why automobile insurance can be considered broad in nature.

In the case of automobile insurance, the reason insurance is important is that it protects you from having to pay damages in the event that you are found at fault for the accident. Without automobile insurance, you might lose everything that you have, including future earnings in order to pay these damages. Most consumers simply cannot afford to buy another vehicle for someone should they severely damage that person’s automobile. The same holds true for any medical costs that might be associated with an accident wherein you are found at fault.

With home owner’s insurance, the minimum coverage level is often determined by the lender. Many home owners will add to this level of coverage in order to protect such things as their furniture and other personal items against loss. Coverage will usually extend to people who may be on the property should they encounter an accident and sustain injuries. Again, the importance of insurance is to protect the owner from legal actions that may arise from outside parties as well as to protect the owner from real property damage such as fire.

In the area of home owner’s insurance, there is often controversy over what is known as flood insurance. Home owners should not assume that their policy covers damages due to flooding. This is often assumed by home owners and can lead to severe losses should a flooding event occur. The only way to know if you are covered for flooding is to ask the direct question to your insurance company and to read what is in the insurance contract. Thousands upon thousands of homeowners have encountered severe financial loss because they assumed they were covered for flood damages when, in fact, they were not.

In addition to personal property insurance there are other types …

business, insurance

Qualities of a Reliable Roofing Contractor

The market is flooded with an excess of roofing companies. It is, hence, very important to take your time when hiring the right professional for your project. It does not matter if what you need is a simple paint job or a complete roof renovation, the contractor you choose to work with must be someone you can fully count on. In this post, we will be looking at the key qualities you need to focus on when choosing a contractor.


In case there is an accident, the last thing you want is to be liable. This will happen if the contractor you hired does not carry insurance. To safeguard your finances, make sure your roofing (dakwerken) contractor is insured. He should be able to present the necessary paperwork that shows his insurance policy and worker’s compensation.

Permanent business address

The fact that the contractor you are considering does not have a permanent business office means you will have no way of tracking him down in case of a malpractice. There is also a very good chance that he is not licensed to work in your area. Always ask for the permanent address of a contractor, phone number as well as tax identification number.


Does the contractor offer any guarantee in roof renovation (dakrenovatie)? Guarantees show the contractor has the ability to provide quality services that he is willing to stand behind. Make sure the materials being used has a guarantee from the manufacturers. A good roofer will offer at least a one year warranty on roof installation.

License and permits

There is nothing more risky than working with an unlicensed roofer. He might land you in myriad legal issues. He may also not be able to acquire the necessary permits. Therefore, in all that you do, make sure the contractor you are considering for your roofing needs is licensed.


Last but not least, you have to make sure the roofer can deliver what he promises. You will only be able to do this by getting recommendations from friends and reading online reviews. Ask the contractor for references and contact at least three.

If you are in need of professional roofing and roof renovation services in Antwerpen, Dakwerken Apers is one of the best companies you can turn to. With years of experience and an arsenal of modern roofing equipment, the company is able to work on any roofing project while delivering quality and durable services. Dakwerken Apers works with some of the most competent roofers in the country.…

insurance, personal

ObamaCare Penalty for No Insurance

In January 1, 2014, the Affordable Care Act (ACA) or “Obamacare” will go into effect. The ACA requires significant changes to guaranteed issue laws. As a result of Obamacare, individual and group health plans must guarantee issue policies to all applicants, regardless of health status or other factors. Penalties exist if you do not have insurance in place.

PPACA requires most adults not covered by an employer or government-sponsored insurance plan to maintain health insurance coverage or pay a penalty, a provision commonly referred to as the individual mandate.

Although bitterly contested, the Supreme Court on June 28th, 2012 upheld the individual insurance mandate. Although President Obama had said the ACA was not a tax, The Supreme Court, which has the final say, says it is a tax and the law will go into effect.

A historic overhaul of the health insurance system in the US is underway and many are wondering what happens if you don’t currently have health insurance.

Currently, insurance companies can still deny coverage until January 1, 2014 due to pre-existing conditions. After this date, they will no longer be able to deny you coverage and premiums will be limited by law. If you have been turned down for health insurance in the meantime and don’t qualify for medicaid, then you may be eligible for coverage through a temporary high risk pool (PCIP) These PCIP’s are also a new requirement of the law.

What happens is you don’t have insurance:

(Per Time magazine)

Penalties that apply: (per Time Magazine)

(Anecdotal story from Picayune Times on how not having health care could affect someone. ) Weave into story… do not take verbatim or reference in article.)

As an employer, my company offers Blue Cross medical coverage to all employees. It is a benefit and helps attract good employees. My company doesn’t have to offer any insurance at all. Under Obamacare, my company will be fined $2,000 per employee if I don’t offer a company plan.

The average Blue Cross cost per employee for my company is around $4,000 a year, so the fine is less than the cost of the insurance. But remember, even with no penalty whatsoever my company has been offering health care. So if I was offering health care when there was no penalty, I sure am going to be offering health care if there is a $2,000 per employee penalty.

Again, the reason for this is health insurance is vitally important to employees. Many employees won’t even consider working for a company that doesn’t offer health insurance.

So under Obamacare, employers have even more incentive to offer company plans.

The question is whether employees will care as much given the new rules which allow anyone to sign up for the government plan at the last minute, even if they are suddenly diagnosed with cancer.

Remember now that about a third of the lower income earning families may be eligible for Medicaid, which is virtually free. So we are only talking about working families …

business, money

Facts about Commercial Debt Collection

Debt collection is not all the same.  In fact, commercial debt collection is vastly different from consumer or retail debt collection.  It is important for business owners to understand the difference and gain an advantage over their competitors.

Commercial Debt Collection vs. Consumer Debt Collection

Commercial debt collection is business-to-business debt collection as it involves the collection of debt from a business on behalf of a business and is not only procedurally different in many ways from consumer debt collection; it is also governed by different rules and guidelines.

Commercial Debt Collection Laws

Although some states have their own laws that define whether or not they make a distinction between the two, commercial debt collection, unlike consumer debt collection is exempt from most federal debt collection laws, as those laws deal specifically with consumer or retail debt collection.  Because of this important distinction, commercial debt collection can allow for a much more comprehensive approach to collecting debts that were incurred by a business, including the use of alternative debt collection tools, such as private investigators and more.

Commercial Debtors vs. Consumer Debtors

Commercial debtors are businesses or business owners that owe a debt as compared with an individual consumer or retail customer.  As a business or business owner owing money to another business, the reason or reasons for delaying or avoiding payment can be similar to a typical consumer owing a debt, such as, lack of available funds, a belief that they can get away without paying, or a belief that they can leverage their relationship as a client/customer to delay or avoid paying, however, the motivation to pay and avoid consequences for the business they are responsible for makes collecting debt from a business much different.

Commercial Debt Collection Agencies

Commercial debt collection agencies typically handle a wide variety of industries.  Therefore, that agent must understand not only common business procedures but also those within each specific industry that the agency’s clients fall within.  Therefore, your typical commercial collection agent will have a great deal of experience and background in dealing with businessmen and businesswomen, as compared with consumer debt collectors who deal mostly with retail customers.  Some of the traits of an experienced commercial debt collector will include tact, professionalism and a unique understanding of what motivates businesses to pay their debts.

Commercial Debt Collection – Resources:

Commercial Debt Collection Agency

Commercial Debt Collection Agencies…


Traditional approach to Capital Structure

Traditional approach is an intermediate approach between the net income approach and net operating income approach. According to this approach.

(1) An optimum capital structure does exist.

(2) Market value of the firm can be increased and average cost of capital can be reduced through a prudent manipulation of leverage.

(3) The cost of debt capital increases if debts are increases beyond a definite limit. This is because the greater the risk of business the higher the rate of interest the creditors would ask for. The rate of equity capitalization will also increase with it. Thus there remains no benefit of leverage when debts are increased beyond a certain limit. The cost of capital also goes up.

Thus at a definite level of mixture of debts to equity capital, average cost of capital also increases. The capital structure is optimum at this level of the mix of debts to equity capital.

The effect of change in capital structure on the overall cost of capital can be divided into three stages as follows;

First stage
In the first stage the overall cost of capital falls and the value of the firm increases with the increase in leverage. This leverage has beneficial effect as debts as debts are less expensive. The cost of equity remains constant or increases negligibly. The proportion of risk is less in such a firm.

Second stage
A stage is reached when increase in leverage has no effect on the value or the cost of capital, of the firm. Neither the cost of capital falls nor the value of the firm rises. This is because the increase in the cost of equity due to the assed financial risk offsets the advantage of low cost debt. This is the stage wherein the value of the firm is maximum and cost of capital minimum.

Third stage
Beyond a definite limit of leverage the cost of capital increases with leverage and the value of the firm decreases with leverage. This is because with the increase in debts investors begin to realize the degree of financial risk and hence they desire to earn a higher rate of return on equity shares. The resultant increase in equity capitalization rate will more than offset the advantage of low-cost debt.

It follows that the cost of capital is a function of the degree of leverage. Hence, an optimum capital structure can be achieved by establishing an appropriate degree of leverage in capital structure.…

business, personal

The Importance Of Establishing A Personal Brand

Developing a personal brand is essential to differentiating yourself and establishing a reputation. Personal brands are developed over time, but can be honed, shaped, and changed at a moment’s notice. Personal brands are good for any professional, but are absolutely essential if your business is you.

A personal brand is more than just subject matter, interest, or task. If your passion is fish, you should be talking about fish as often as possible. You should be reading stories about fish, posting comments on fish-related websites, joining social groups devoted to fish, and otherwise networking with like-minded “fishies.” But, while fish may be your subject matter, it isn’t your brand. Coca-Cola is a soft-drink, but the Coca-Cola brand is so much more. So, what is a personal brand? Ultimately, a personal brand is how you would, or would like to, be described by others. If people think you’re funny, cool, or talented – that’s your brand.

The three part personal brand

In my experience there are three areas for personal branding – social, professional, and technical. Social is the most personal of the personal brand – it is how your family and closest friends would describe you. Professional is how you would be described in a professional setting – work, school, professional associations, etc. The technical brand has more of a categorical purpose, as it describes the subject matter relevant to your brand.

If you take a business, let’s say Coca-Cola, and think about these three areas, you might break them down in the following way: Social/Personal: traditional, sweet, American; Professional: profitable, ubiquitous, corporation; Technically: soft drink, unhealthy, fizzy. Now, these might not be the terms Coca-Cola wants, or tries to have, associated with their brand, but they are what came to my mind as I thought about the product and company.

Discover your personal brand

Here’s a simple exercise to help you determine your brand.

  1. Pick three words or phrases that you would use to describe yourself, socially/personally. (For myself I’d say direct, kind, and honest.)
  2. Pick three words or phrases that you would use to describe yourself, professionally. (For myself I’d say leader, hard-working, intelligent)
  3. Pick three words or phrases that you would use to describe yourself technically. (For myself I’d say technology, social media, web)

Try to get at the core elements that make you, you.

Use these terms to maintain your personal brand

Once you have your terms, start letting them influence your social and professional habits. If you are trying to build a personal brand of being kind and honest, don’t bully and hard-sell – it’s too easy to replace your personal brand with one that you might not want.

Next time you interact with someone, write an e-mail, or send a tweet take the time to think, “Is this interaction direct, kind, honest, intelligent? Does it express qualities of leadership, or a good work ethic? Is it within the technical scope of my brand?” If the interaction can be described by a good number of …