Insurance Agent Marketing Online – Build Trust by Writing Articles

As insurance agents it can sometimes feel a little challenging to know how to best market online without coming across poorly. One of the best methods for establishing yourself in the marketplace is to build trust by writing articles.

Providing quality content that informs your potential customer about the different products or insurance solutions gives them an opportunity to learn more about you and the services that you give.

It shows them that you are knowledgeable.

It shows them that you have experience and that you know your products. This builds trust and establishes you as an expert in your field. Think about it this way, when you are buying a car you don’t want to buy the car from someone who doesn’t know the difference between a V6 and a V8. No, in fact, if you are working with a car sales agent that appears to know less about the car than you do, you may not want to buy the car from them.

Knowing your product places you ahead of your competition because it shows that you care enough about the products that you sell to learn how they work and how they can benefit your customer.

When you market yourself as an expert in the insurance industry by creating quality content that your customers will find value in, you will ultimately create a more effective brand.

Insurance agents that take the time to learn their products and spend the time writing the articles will build the trust and build the brand. Potential customers will seek out the most experienced insurance agents to do business with. They want to person that understands what they need and can get it to them for the best price.

Your customers will be looking for someone who knows what they are talking about and puts out articles that articulate that understanding. Marketing online on a smaller budget takes patience and a willingess to become an expert in your field.

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The Incredible Importance Of Business To Business Directory

Business directory is pointed out while one passes on the Internet. The business to business directory is an immense way of making the marketing your trade seeing that people nowadays would somewhat make use of directory since they endow with significant results with incredibly small attempt. More than ever, in case of online directories, you possibly will enter your search item and get all of the related results, which will be listed there.

The commercial directories are generally helpful for other businesses, at what time people are on the lookout for services in addition to products not obtainable all the way through their individual business. Nevertheless, yet direct customers come across business directories to be positive as well as helpful, particularly while they have a preference to put together direct online buys from the most appropriate supplier. Over and over again, the business to business directory restricts their listings to trade in a precise region, making it yet simpler to get suppliers close to you. A lot of directories make available a search competence to restrict the list of businesses shown.

At the present, you need to clear out that receiving links to your website raises traffic in addition to increases your page rankings in the search engines searches. In this small article, you could get an explanation what is a commercial directory, and techniques made use for getting links to the directories. Such commercial directories facilitate a union to bring out the business details of the members in a searchable online directory easy to get to the public. Such concept takes in submission in a rage of various directories by providing precise back links, exchanging link with additional web masters, human comments for better rankings, article submission by means of providing specific back links.

Exchanging link with additional web masters is a time-consuming course of action and not always shared linking is a first-class thought, for the reason that, the search engines put further weight on one-way links than the two-way, yet such tricks may help you a lot. Attempt and put forward to an online business to business directory, which is human edited along with believes friendly websites at either no fees or at inexpensive prices. Good number categories of directory take account of business, arts, computers, reference in addition to education, and all there is of interest for the family. Submitting to a human edited directory means that the site owners do not admit scrap directories and your website possess an improved change at receiving excellent traffic in addition to SE rankings. As a result, the importance of web directories is just out of imagination, and in a single word it should stated as the incredible one for getting popularity.

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London 2012 Olympics: Mary Lou Retton, America's Greatest Gymnast of All Time

The Greatest Athlete in West Virginia

State History

The American state of West Virginia has been blessed with a great natural beauty — it can be called America's land of mountains — but also with extraordinary individuals such as Pearl S. Buck — a sinophile who received the prestigious Nobel Prize for Literature in the late 1930s, becoming one of the first women on Earth to win that distinction — and Mary Lou Retton, widely regarded as one of the greatest female gymnasts of all time, alongside Nadia Comaneci of Romania and Olga Korbut of the Soviet Union -what is now the Russian Federation. Miss Retton lost the 1983 World Cup in Hungary but succeeded in becoming an Olympic champ in 1984. Over an athletic career that spanned four years, from 1982 through 1985, she won more than ten international and national championships.

Toward the end of the 1920s, women began competing in gymnastics at the Games of the IX Olympiad in the Kingdom of the Netherlands, but the United States of America had not a good performance until August 1984 when Miss Retton shocked the Planet after earning five medals in the Gymnastics Tournament at the Games of the 23rd Olympiad in Los Angeles (CA), during a duel with Romania's Ecaterina Szabo, the big favorite in the Summer Olympics. It was the beginning of a new era for America's gymnastics.

A Hard-working Person

Born in Fairmont (WV), on January 24, 1968, she briefly attended Senior High School in her hometown. Around the turn of the 1970s, Mary Lou Retton discovered her passion for gymnastics when she admired Romania's gymnast Nadia Comaneci (both have some things in common), one of the greatest sportswomen in the history of the Olympic Summer Games. Shortly afterwards, she began to take lessons in gymnastics.

After becoming a hardworking person, Retton left Fairmont for Houston (Texas), beginning to build her reputation as one of America's most respected athletes. There she trained under the guidance of Bela Karolyi, a former scout for Romania's Olympic gymnastic squad during Nicolae Ceausescu's Marxist regime. Bela significantly contributed to Romania's sporting success on the world stage. By 1981, however, he and his wife, Marta, sought political asylum in the States. From then onwards, Karolyi's family has won several trophies with the US squad.

At the age of fifteen, Miss Retton was headed for a big international career. Thus, she left Texas to enter the international circuit at a time when her country was defeated by Eastern Europe and Japan in the women's gymnastics competitions. In the face of a vigorous program in the 1970s, the US women's squad had poor results in the world meets. At that time, with the relaxing of some US-Iron Curtain restrictions, America –more than 30 States– had a chance to see some of East Europe's finest gymnasts. By early 1976, Karolyi and his countrywomen, among them Comaneci, made a trip to five American States, including New Mexico, New York and Arizona. Previously, by March 1973, Olga Korbut –who once said "America is different than I expected. I like it" – and her fellow sportswomen left Moscow for the States to promote the sport.

The Greatest: Mary Lou Retton

By 1983, Miss Retton already possessed a virtuoso technique, but she could not compete at the Budapest World Artistic Gymnastics Championships because of an injury. However, there were surprising results in the following months. Less than a year, she was considered by many to be the United States' greatest female gymnast.

With her prodigious technical skills and highly charged performance quality, astonishingly Miss Retton was awarded a gold medal in the American Cup, impressing sportswriters and sports commentators -an event that had been won by Comaneci in 1976 — in the pre-Olympic year 1983 There, she began to eclipse her fellow team-mates. Nevertheless, media interest in Retton intensified when she returned from the US Olympic trials with other good news: Qualified for the upcoming Summer Games-her first and last Olympian participation. On the journey to the Los Angeles Olympics and beyond, she won the National Championships upon winning the 1984 American Cup for the second time in a row.

While the Soviet Bloc — from Cuba and Laos to the USSR and Bulgaria– boycotted the 1984 Games, Romania and Yugoslavia — currently Serbia- were the only Communist countries that competed at California. Due to this, the Romanian Olympian gymnastic team participated with its global stars; the team's roster included top athletes such as Ecaterina Szabo, Simona Pauca, Laura Cutina, Lavina Agache, Cristina Elena Grigoras, and Mihaela Stanulet. In the 1970s and 1980s, Romania had become the leading force in Olympics gymnastics, having defeated the Soviet team at the 1976 Olympiad with Miss Comaneci –one of Retton's early models. At the 1983 World Championships in Hungary, the Romanian squad had captured seven medals (1 gold, 2 silver, 4 bronze).

At the XXIII Olympiad, the United States of America had one of its most outstanding female teams in gymnastics history -made up of four prominent athletes (Retton, Julianne McNamara, Tracee Talavera, and Katty Johnson). In the Gymnastics Championship at UCLA's Pauley Pavilion in Los Angeles, the smaller Mary Lou Retton, for example, reached the pinnacle as she became the first non-Eastern European to win an Olympian title in the women's all-around, following a win over Ecaterina Szabo. During the event, she stole the show and hearts of the audience. The winner of the all-around gold medal is often seen as the "Queen of the Summer Games" as occurred with Vera Caslavska in 1968 and Comaneci in 1976, respectively.

In the multi-sport event, the versatile Retton also had the distinction to be the first US gymnast -male of female– to win a gold medal since the early 1930s. Besides capturing the Olympic title, this daughter of West Virginia added four more medals to reinforce her credentials as one of the world's finest athletes since 1900 when sportswomen were allowed to participate in the Olympiad. Miss Retton gained two silver medals for the team competition (with 391, 20 points and after defeating China) and vault (19,850 points) and two bronzes in individual competition on the bars (19,800 points) and floor exercise (19,775). Since then, the XXIII Olympiad made Retton an internationally known figure, gaining fans around the globe, including America's leader Ronald Reagan.

Elected To The International Gymnastics Hall of Fame

In the wake of her triumph at California, Retton was a red-carpet guest of the President Ronald Reagan in the White House, beginning a lasting friendship with the US leader and close ties to Republican Party. But also there were other honors. For providing the most memorable image of America's Olympic victory, she was elected "Sportswoman of the Year" by Sports Illustrated in late 1984. Likewise, a park in her hometown was named in her honor.

American fans were devastated when Miss Retton announced her retirement in 1985. Unlike Nadia Comaneci-who had over eight years experience in gymnastics-and Olga Korbut, she made the decision to leave the sport at the peak of an astonishing career. During her time away from gymnastics, she has become a television analyst.

Despite her brief Olympic career of four years, her legacy as one of the 20th Century's greatest gymnasts remains in America's sporting system. A few weeks after Retton's win, gymnastic events began to flourish across the United States with thousands of participants in schools, academies, and athletic clubs. From 1984 on, the US women's team has won 24 Olympian medals (5 gold, 12 silver, 7 bronze) with many world-class gymnasts such as Carly Rae Patterson (Louisiana), Shaw Johnson (Iowa), and Shannon Miller (Oklahoma) .

By 1997, Mary Lou Retton was inducted into the International Gymnastics Hall of Fame.

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Healthy Recipes For Kids

How about healthy recipes for kids, ones they will enjoy? Kids cringe at the thought of “healthy food.” Let’s face it, so do most adults. But it is not as hard as you think to create healthy, raw food meals that everyone will love. If proper nutrition is started at an early age, children grow up enjoying healthy food.

When we eat healthy raw foods, several things happen. First of all, we have more energy. And because we’re eating foods in their natural state we’re receiving all the natural goodness nature intended in the form of vitamins, mineral, antioxidants, phytonutrients, enzymes and many yet to be discovered nutrients. Research shows that these natural components provide a strong foundation for good health and may help prevent serious disease as well. The fiber in these foods will help to keep your colon on a more regular schedule which is critical to good health no matter what your age is.

Great healthy recipes for kids contain a variety of raw foods. Raw foods are a great start to any diet plan, especially for kids because they need healthy materials for building healthy bodies. Things like bananas, grapes, apples, sweet red peppers, cucumbers, strawberries, carrots, corn, raspberries, blueberries, avocados, mangos, pomegranates, tomatoes, and just about anything that you would find in the produce section. Spinach and broccoli too… okay, kids might not like those two right away, but you can add them to a smoothie and they need not know.

If you want to create tasty healthy recipes for kids how about getting your kids involved in meal planning. Let them add the things that they like to a salad, the main course, or even dessert. Let’s say you give everyone some lettuce or other leafy green and let the kids build their own salad from the variety of other foods in bowls on the table. There are lots of organic raw foods that can be added to the salad. Apple pieces, mandarin sections, celery, walnuts, hemp seeds, fennel, tomatoes, shredded carrots, raisins, peas… the list is endless, just get creative. And as we know a large healthy salad can be a complete meal.

Children are growing and need fats from healthy sources to build better bodies. Omega 3 fatty acids are an excellent source of nutrition which are notably missing from the standard American diet. Foods like walnuts, hemp seeds, ground flax seed and chia seed are great sources of omega 3’s. One of these fats blended with orange juice and a few herbs or spices gives you a very healthy salad dressing.

There are lots of things that you can create with fresh fruit that will get your little one excited. A really great breakfast meal, or any meal for that matter is a large green smoothie. Add fruits and greens to the blender with a table spoon of flax or chia seed and let it rip. Kids will love helping with this as well. It’s tasty and very healthy, fruit for energy, greens for minerals, and seeds fulfilling the body’s needs for healthy fats.

When planning healthy recipes for kids think of these words: fresh, whole, ripe, organic, and raw as the golden words for creating healthy meals and kids. Oh, and add one more, variety. Consuming a wide variety of fruits and vegetables is important for maintaining good health. So let’s review, involve the kids in meal planning and preparation, be creative, and let nature take its course.

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With a Little Help From Your Friends

You can't know everything.

More companies are using consultants today because of the demands of rapidly changing technologies and scarcity of technical skills. So it's more important than ever to use consultants properly and effectively.

The Internet and e-business, among other developments, have brought the need for new technologies into old-line manufacturing companies at a dizzying rate. Plus most mid-sized companies have little or no in-house expertise or resources to understand the opportunities or pursue them for competitive advantage. Even if a company wanted to hire an in-house technical staff, finding and retaining the best and the brightest is mission impossible given today's high technology job market. Given the cost of most benefit packages and the tenuous nature of the economy, management might not want to make a long term commitment with an unproven individual.

It's no wonder, then, that smaller companies, many that have never used consultants before, are beginning to look to this option as the only way to get into the game. But it's difficult for these companies to determine just what kind of help they need and where to find it.


The employment of e-business technologies has rapidly become a necessity in all kinds of business, whether to support marketing and sales efforts direct to consumers; for effective communications with dealers, resellers or industrial customers; for communicating with suppliers and service providers or in order to participate in online marketplaces: trade exchanges and collaborative networks.

Most custom-designed and pre-packaged software applications – anything designed or built more than a year or two ago – do not fully support the communications, data transfer and interoperability requirements that are necessary to fully participate in the world of commerce.

Given the desperate on-going need for technological know-how, a larger mid-sized company might consider hiring a full-time employee to fill the need, but that's a lot easier said than done. The demand is very high and the supply of qualified individuals is rather sparse. If you could find the right candidate, the asking salary would probably knock your socks off. It's a sellers' market and the job seekers are well aware of that fact.

Assuming you succeeded in hiring the right person with the right skills and training, then retention becomes a huge concern. Prior to the recession, turnover in this market used to be tremendous, but if your techie is highly qualified, expect him to get frequent recruitment calls and higher salary offers.

Another concern is the short shelf life of today's technology expertise. Your new employee will need to spend a fair amount of his or her time staying up to date with developments and new products and tool sets.


When you need expertise for a defined project or for a limited period of time, it makes sense to rent it – contract for the needed help only to the extent that it is needed. That's obvious. But you should also consider a more long-term relationship with outside resources, especially in support of new and evolving technologies. Since things are changing so rapidly, and considering how difficult it is to hire and retain technical employees as well as keep their skills up-to-date, using outside resources on an ongoing basis becomes very attractive, indeed.

Most companies that immediately reject this idea are scared away by the high daily or hourly rates charged by consultants. But they should force themselves to look past the immediate out-of-pocket cost and think in terms of both the benefits expected and the cost of the alternatives.

Once you've decided that consultants have the answers you seek, finding the right one (s) becomes the next big challenge. There are international, national, regional and local firms of all sizes with a number of specialties and capabilities. Your choice will be dictated by a number of factors, including the scope and nature of the project, the location (s) covered and whether you have an existing relationship with a software vendor, accounting firm or technology vendor that also offers the consulting expertise you need.

For more limited tasks that are relatively well defined, building a Web site or integrating e-business software to your enterprise requirement planning (ERP) system, for example, your best choice might be a local or regional firm that knows your software and your business . If you are looking for help in developing a strategy, one of the larger firms with more varied experience and a deeper pool of expertise might be more appropriate.

Of course, you may need both kinds of help. You might look for a firm that can do it all, but that leaves some people uncomfortable. Many believe that the firm that analyzes the problem and maps out the solution should not be the one to deliver it. It is reasonable to suspect that a firm that has a cadre of programmers, analysts and systems integrators on the payroll might be motivated to generate work for these people to the possible detriment of the customer's budget. On the other hand, another service provider brought in to do the work won't have the intimate knowledge of your situation and your needs that you just paid the first consultant to absorb.

If your company has only one plant and warehouse, a smaller and more local firm might be a good choice, but if your operations are scattered throughout the country or around the world, you'd better be looking for a firm that can support you in all those geographic areas.

Most software vendors have consulting resources available either on staff or through an affiliate network or both. If the project is supplemental to the core software, these people will have a leg up on other firms who might have to learn the intricacies of the software before they can help you. However, don't expect an objective assessment of the software's suitability if the consultant has a relationship with the software vendor. Many accounting firms have consulting services arms, but some customers shy away from using the same company for consulting and auditing based on those same concerns about objectivity. In any case, several of the big accounting firms have now spun off or sold their consulting organizations. Or you might already be working with a consulting organization and you will have to determine if they have the skills and knowledge necessary to help you take the next step.


Building your Web presence, integrating systems together, devising an Internet strategy or any of the other specific tasks involved in moving forward with new technologies – these are not one-time events.

The technology is changing daily as is the form and shape of the marketplace these technologies are creating. If you rely on outside resources for help in getting it done in the first place, budget for continuing support not only to keep it all running smoothly but also for upgrades and expansion that will be necessary to keep up with the technology, the competition and customer demands.

When choosing your advisory resource, think in terms of a long-term relationship rather than a one-time project. It is absolutely fair to insist on interviewing the principal consultant (s) who will be working on your project and checking references just as you would a potential employee. And if, at a later time, you find that a person working on your project is not providing the service you expected, or simply does not fit in with your organization and your project team, it's okay to ask for that person to be replaced.

When interviewing consultants and assembling your team, be sure that the desired individuals have the time available in their schedules to support your project. Get a commitment in writing as to the availability of key individuals. Of course, the best-laid plans can be derailed by sickness, injury or other unforeseen circumstances. Even consultants change jobs from time to time. Insist on a commitment from the firm that you have the right to specify who will be working on your project.

The foregoing is not intended to sound negative or imply an adversarial relationship between consulting firm and customer. On the contrary – the consultants should be full-fledged members of your team and should be made to feel the same kind of loyalty toward your organization that your employees feel. Make them welcome and treat them like members of the family for they surely are, or should be.

Companies have a wide range of attitudes about consultants. Some are used to tapping these resources on a regular basis while others have never taken advantage of the expertise and objectivity that consultants have to offer.

In today's environment, with complicated (and rapidly changing) new technologies becoming more and more important to becoming and remaining competitive, it's nice to know that you can rent the expertise you need, when you need it. The sticker price may be a bit of a shock at first, but the return is almost always well worth the investment – not only in keeping up with the competition but also in saving time and money in getting where you need to be.

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3 Reasons Why to Hire a Show Band and a Tribute Artist

If the median age of your executive team is 27, Elvis entering the room probably isn't going to have an impact on the masses. Unless of course, he arrives with Taylor Swift!

When show-stopping tribute artists walk into a fully entertained room full of executives, there may be a slight stir near the back of the room. If the tribute artist has a microphone, he might enter as the band 'plays his song'. The words lilting above the music, rising in volume as he walks toward the stage. People in the audience will notice as he walks past, shaking hands, smiling, making his way through the crowd. And then …

He introduces his best friend … The one who has known his secret for the past forty years, the boss. The boss and the tribute artist have a short exchange midway through the song – the band takes a break – and conversation continues. The team building begins, as those attending this event get a glimpse of the fun, entertaining, and even exciting exchange of personal discussion becomes the figurative most memorable moment of the entire weekend.

As the music picks up, a second tribute artist enters the room, dancing through the crowd, singing her number one hit, and the evening explodes with transformational energy, taking what was a weekend training session to a new level. A motivational high, made memorable by the voices and appearances of celebrity show-stopping tribute artists. Your event just became the talk of the season.

1 – Never Settle for Less Than The Best

Top-shelf Cover Bands know how to fill up the room, keep the energy flowing, and motivate a crowd to action with the right songs, the best music, and on-stage dance routines designed to entice dancers on to the dance floor. Your team won't be able to resist adding their moves to the motion of the room. Energy becomes motivation, and life outside the room takes a break while your team takes an opportunity to become better friends, and build life-long relationships.

2 – Ice Breaking Themed Presentation Matters

Show bands offer so many opportunities to blend top 40 tunes with theme planned events, period swing music, and polished performances. Adding a tribute artist to a show band presentation, keeps the action going during breaks, and motivates your attendees to become part of the show. Everyone wants to meet the tribute artist! Make a memory with key recognition factors, celebrity status, and lifetime favorite memories.

3 – Let the Rat Pack Dominate Your Presentation

Filling up the show band break time with a meeting of Dean Martin and Marilyn Monroe might seem over-the-top in some circles, but not yours. Your audience deserves the best. Memories that stroll into a room, dance off into the night, and lead them back in time to an event that will motivate them for years to come. Your event will never be forgotten.

Elvis has not left the room …

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How to Get a Great Car Finance Rate

When you buy a new automobile, you may not have all the cash you need to pay for the vehicle upfront. In this situation, you may want to look into getting a loan to help pay off your debts. Learn how you can get the best rates possible, so you can pay off your vehicle sooner with the least amount of added expense.

Pay Down Debt

When buying a car, finance companies often look at your credit report and use what they find to choose an interest rate for you. The better your score, the more likely you are to get an affordable rate that is easier to afford. The best way to get a stellar score is to start paying your debts. Credit cards and medical bills can be paid down to under half of what you owe to give companies the impression that you are a responsible person with your money, even if your score revers otherwise. Pay off or cut down on your debt, and you can get better interest on your loan.

Choose a Shorter Loan

Loans are often anywhere from 3 to 5 years long, and the longer the contract, the smaller your monthly payments will be. This also means you'll be paying interest for a very long time, which companies enjoy. If you choose a shorter loan, however, you not only pay off your new purchase sooner, you may be able to get a lower interest rate as well. You're less of a risk to car finance companies this way, and you can also worry less about investing so much into your rates.

Have a Loan History

When you buy a car, finance institutions often look to see if you have successfully paid off borrowed money in the past. Whether you've completed a simple payday loan or an auto loan before, make sure any company you are working with is aware of this information. This will make them feel more comfortable giving you financing and can help you secure a better rate. If possible, try to borrow money from a company you've gotten a loan from before, as they can possibly give you better interest for being a reliable repeat customer.

Secure a Job

The longer you can prove your employment with one employer, the more reliable your income seems in the eyes of a car finance company. If you are new to your current job but have held your previous employment for 2 years or more, this is still a positive sign that you can pay borrowed funds back. This can get you a better interest rate in addition to everything else.

You don't have to settle for large interest when you are looking for car finance companies to assist you in your purchase. Boost your chances of getting the best interest possible by doing a few things to improve your credit and putting your best financial foot forward.

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Why an Independent Insurance Agency?

Whether you are in the market for homeowners, renters, auto, commercial, property, workers comp, life, umbrella, or any other insurance, you want the most tailored plan at the cheapest quote. As a layman though, it all seems so puzzling. Besides the complicated insurance jargon, it certainly is difficult for you to assess your needs accurately – let alone find the precise insurance source to get you the right policy at the right price.

What you need is a specialist – someone who really comprehends all the ins and outs of the insurance world – someone who will gladly take the time to review your individual situation along with any existing coverage that you may have. Moreover, you need a trusted source that will be able to configure every aspect of customized protection to your benefit.

To whom do you turn to for matters as important as protecting assets, property, business and the like? Ask anyone in the know about the industry and they will steer you to an independent agency that has rights to do direct dealings with many of the leading insurance companies. As opposed to a dependent agency or a single company representing itself, the independent agency has no ulterior motive in directing you to one insurance company over the other. Partnered with an extensive network of underwriters, this type of agency searches its set of connections to come up with what works best for you. Equipped with a list of all sorts of policies there is no reason to settle on anything but the optimum.

The Independent Agent – piecing the puzzle pieces together for the customer

An experienced independent agency has your best interest in mind as it

– Emphasizes the client’s needs above all else

– Clarifies any questions about the differing policies

– Goes to great length to locate tailored coverage with a pleasing quote

Finding the agency that looks out for the customer the way you want it also requires some research, however. This is because not all independent agencies are alike in excellence. Though any insurer may claim to harbor a close connection with any given strong insurance company, there are variances to the type of bond they enjoy. In order to gain from dealing with a truly winning broker, the customer must link itself with an establishment that has superior access to the indemnity that matches requirements. In addition, it’s imperative to find an agency that is all-rounded – from before the sale, during the sale and after the sale – willing to act as your staunch advocate even when there is a claim.

Before sitting down with an insurer, make sure you are sitting down with someone with the capability, and strong ethics that will indeed make you into a satisfied policyholder!

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Introduction to Business Loans

Business loans refer to the transfer of funds from a lender, usually a financial institution, to a borrower. In this case, the borrowers are businesses and the financial institutions are banks. The interest to be paid and the schedule of repayment are decided by the bankers and the borrower agrees to those terms. Lenders may offer unsecured or secured loans. Secured loans require collateral, which are generally personal assets, such as the home of the borrower. However, when talking about business loans, collateral is something owned by the business – machinery, real estate,

There are many reasons for businesses to get a loan. Some may require additional funds for the expansion of the business, or offering additional services, while others would need funds for making various small or big purchases. Lenders take quite a few factors into consideration while extending these loans. First, they would check the credit worthiness of the business. They would also evaluate how far the business has been successful and the likelihood of its being profitable. Procuring loans for a new company is indeed very challenging, and the credit history of the individual borrower is almost the sole criteria for taking the decision.

As the lender would naturally like to ensure that the borrower has the capacity to pay back the borrowed money, the borrowers need to fulfill some very strict prerequisites for availing the loans.

If the risks connected with the loan are rather high, it is generally a better option to seek investors from within the family or the social circle that could lend money or buy a part of the business. Banks are certainly not keen to offer loans carrying a high risk. Small businesses needing smaller loans could check with government sources that lend money, or other companies offering micro-loans, as their perquisites for extending loans are not so tough.

Businesses that get loans at the time of getting started have the advantage of building their credit history as the business grows. As in case of personal loans, businesses too must ensure to pay back the borrowed funds within the stipulated time. Failure to make timely payments harms the credit history of the business, making it difficult to procure any business loans in the future. Banks plus other lending institutions not only consider the credit rating of the business, but also its profits in the past as well as the profit the business is likely to make when being granted the loan.

As far as the citizens of the US are concerned, those that are looking for loans in order to start a new business or continuing with the present one should look into a good source before approaching any banks. The US Small Business Administration is a government body that provides financial support to small business. Though everybody may not be granted help via this program, one should certainly make a sincere effort and try, as the loans available under this program carry a lower rate of interest, and the terms for paying back the loan are not so difficult.

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FIFA World Cup – Interesting Facts!


Did you know- Uruguayan squad, the host country team, claimed the first-ever Men's World Cup title over Argentina, 4-2.


Did you know- At the II World Cup, Italy, host country, became the first European squad to win a global tournament. The subsequent tournaments were held as follows: 1938 in Paris (France, Europe), 1950 in Rio de Janeiro (Brazil, Latin America), 1958 in Stockholm (Sweden, Europe), 1962 in Santiago (Chile, Latin America), 1966 in London (England, Europe), 1970 in Mexico City (Mexico, Latin America), 1974 in Munich (West Germany, Europe), 1978 in Buenos Aires (Argentina, South America), 1982 in Barcelona (Spain, Europe), 1986 in Mexico City (Mexico, North America), 1990 in Rome (Italy, Europe), 1994 in Los Angeles (USA, North America), 1998 in Paris (France, Europe), 2002 in Seoul and Tokyo (South Korea & Japan, Asia ), 2006 in Munich (Germany, Europe).


Did you know- Bolivia competed in 1950 but not again until 1994 in the United States of America.


Did you know- For the first time, West Germany hosted the global tournament in July 1974. Historically Germany had been competitive in soccer. Under the leadership Franz ("Kaiser") Beckenbauer, the host country-which never finished below sixth place since 1954– won the X FIFA World Tournament. Outside of the Berlin Olympics (1936) and the Munich Games (1972), this event was the largest ever held in Germany.


Did you know- Tunisia (Africa) placed ninth at the 1978 FIFA World Championship in Buenos Aires, Argentina.


Did you know- At the 1982 FIFA World Tournament in Madrid (Spain), New Zealand, a rugby-loving nation, had the worst result for its region -Oceania- in World Cup's history. Unfortunately NZ placed 23rd. For the country, it was its first appearance in the universal event.


Did you know- At the 1990 FIFA World Championship in Europe, Cameroon's football player Roger Milla, one of sub-Saharan Africa's most respected footballers in the 20th century, helped his team towards eighth position, the best result ever for an African country in soccer history.

2002 – 2010

Did you know- Brazil -one of the world's biggest democracies– has historically been competitive in football since the 1950s.The soccer players from Brazil have conquered five out of eighteen tournaments: Sweden'58, Chile'62, Mexico'70, USA '94 and South Korea & Japan'02. In 1950 and 1998, Brazil was runner-up. By 2010, the Latin American nation is attempting to become the first country to win six World Cup titles in football history.


Did you know- The 19th global tournament will be held in South Africa, one of the youngest members of the FIFA. It'll be the largest event ever held in Africa. There's only event that rivals the FIFA World Cup: the Summer Olympics.

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