Top 4 Reasons to Pick Annual Travel Insurance

Choosing a travel insurance policy is not exactly an exercise one looks forward to with excitement. You rarely find anyone who is enthusiastic about premiums, the extent of cover, and the feeling of putting pen to paper on a policy document! Most people would much rather be wistfully imagining rolling waves, endless beaches, imposing monuments and mountains of fun.

But putting effort into finding the right policy is as important as putting effort into the itinerary of your trip, especially if you travel frequently.

Why face risk?

You may be an optimist, feeling yourself impervious to danger or thinking that most hazards in strange places are exaggerated by the fearful; or you may be a pessimist, feeling sure that if the worst could happen, its bound to happen to you. Risk does not care either way. A realist realises that risks are dependent not merely on your outlook, but the nature of your trip and destination. This is why for the frequent traveller, annual travel insurance is never a waste of money. In the event of an accident, injury, mishap or loss that affects you, your family or your belongings, you will not regret having the safety net of a solid policy.

Why waste money?

Once the regular traveller realises, however begrudgingly, the need for a solid policy, attention invariably turns to money. Since it all lies in the realm of risk and potential, you should ensure you only pay for what you need. The benefit of good annual travel insurance plans is that they focus on giving the consumer plenty of options, while making sure that in light of the destination and type of trip to be taken, you’re not paying for anything you won’t need.

Why waste time?

Your travel time is precious – and so is the time taken to plan every trip. Buying a separate policy every time not only wastes money, it consumes time. This is why annual travel insurance is so helpful. Furthermore, it gives you a chance to focus even more on making the most of a short business hop to Brussels, taking advantage of a regular foray into the Amazon for an ongoing field study, or spending your cash beach-hopping around the Mediterranean.

Why not benefit?

The greatest benefit of annual travel insurance lies in the peace of mind it gives you. But you also have access to extras like free cover for children, free cover for cruises and golf gear, 24 hour contacts, and even bonus access to certain perks. This makes your cover seem less like strain and more like shopping! But all the while you should remember that you can’t put a real price on peace of mind.

The Pros and Cons of Pawn Shops

There are many pawn shops that you can easily use as a means of quickly getting cash. However, before you walk into these stores you should know about the pros and the cons relating to them. There are pros and cons which could make you change your mind about pawn shops and it is important that you know what these are.

The Pros of Pawn Shops

There are a lot of people who know about the pros that come from pawn stores and using the services that they offer. The first pro that you find with these stores is that they do not complete any credit checks. This is due to the fact that you are leaving a valuable item with them as security for any loan that you are going to get.

The second advantage that you need to know about is that the loans you get are quick. In most cases you will be able to get the money that you need on the day that you sign the contract with them. The last advantage is that the pawn broker will allow you to get your item back as soon as you want.

The interest that the pawn stores will charge will only be for the period that you have actually borrowed the money. With many other loan services you are unable to pay off the loan quickly or you will need to pay an extra fee. This is not something that you face with pawn shops.

The Cons of Pawn Shops

There are a number of disadvantages that you will find with pawn shops. The first con of these stores is that pawn brokers are actually a relatively expensive means of borrowing. Like payday loan companies, pawn brokers are able to change any APR they want on the loans that they offer.

Another disadvantage that people do not know about is the fact that you usually can only borrow a percentage of the value of the item you pawn. This means that you would have to have a very high value item or multiple small value items to get high amounts of cash from the loan.

The third disadvantage that you need to know about is that the pawn shop is allowed to sell your valuable item if you are unable to repay the loan. Of course, they should give you some notice that this is what they are going to do. If the item does not sell for enough to cover the remaining loan amount then you are still liable for this.

The last con that you need to know about is the fact that your item could be sold for less than it is worth or less than what you would get for it elsewhere. This means that you could be getting less out of the deal with the pawn broker in the end.

There are a number of pros and cons that you need to know about when you look at pawn shops. By understanding these pros and cons you will be able to determine if using a pawn shop is the right option for you.

Three Ways A Car Dealer Can Attract The Millennial Market

For a car dealer, competition can be tough, and the trick to creating brand and business loyalty is to lure in the next generation. Many have tried to produce interesting ads featuring hip-hop music, computer graphics, and cutting-edge humor, but they have found that that really isn’t enough to pull in the generation known as the “millennials.” This demographic has been notoriously hard to reach, and television advertising to the younger buyer is nearly a moot point in the age of DVR recordings, YouTube, and Netflix.

The age group’s importance to auto sellers is also compounded by the fact that they have much less interest in driving than those in previous generations. However, there are still recent high school and college grads that are ready to become proud owners of their first vehicles that are not registered to Mom and Dad. So, how can a car dealer cater to these new consumers? Here are a few things that vehicle sellers can do to maximize their sales to young adults:

1. Recognize The Extent Of Their Smartphone Dependence

Young adults these days use their smartphones as electronic guides to the world. Why wouldn’t they? After all, they don’t really know life any differently. This demographic relies on their phone, or better yet, the Internet, to get directions to the dealership, find reviews, get showroom hours, and browse inventory. Therefore, the savvy car dealer will ensure that he or she has an updated and informative, mobile-friendly website, and perhaps even a mobile app.

2. Respect The Fact That They Have Already Done Their Research

Many vehicle salespeople get frustrated when attempting to pitch various automobile models to college-aged clients. Younger drivers already spend countless hours researching each automobile online to see if all their standards are met. After doing their homework, most of the adults in this age group visit the car dealer after their choices have already been narrowed down to one or two models.

3. Get Straight To The Point Without Gimmicks

Many millennials already have quotes from up to four competing sellers at the time that they walk through the door of a dealership. In this day and age, many younger auto buyers realize that they have the power and opportunity to leave a seller as soon as they hear something that they don’t want to hear.

Google’s statistics have shown that most adults in their early twenties tend to visit an average of 25 websites before they decide to purchase an automobile. This only reinforces the idea that an informative website is crucial for modern-day marketing. Auto sellers should also take note that young adults prefer quick responses to any online inquiries that they send through the seller’s website. Many young consumers wish to hear from the business immediately, not after several hours or days.

Hopefully, each neighborhood car dealer will eventually understand these modern ideas so they may earn the business of the next generation of consumers. Just like any other industry, automobile sellers will have to research the methods used by younger customers to shop for vehicles, and incorporate what they find into unique ways to market to that audience.

Creativity Can Create an Income – Crafting From Home

Often times creative people need an outlet for their goods. Thinking of starting an online shop on your own might seem overwhelming. If you break down everything into baby steps, opening your own store is actually not as difficult as you might think.

If you are like many creative people, your brain is always full of ideas. In order to create a business, you need to hone in on your niche. What do you love to create? Is it an item that would sell? Can you make enough money justifying the time involved in creating this item? These are all questions you will need to invest time and thought on answering. Do your research and investigate sources such as Etsy to see how saturated that market is, how well the items are selling, and if the going price works for you.

Once you have determined your product line, it is time to create your brand. Play around with names, logos and colors. You want your brand to represent you as well as a brand that is easily recognizable.

The next step, one of the most fun steps, is very important. Search for tips online. Practice, practice, practice. Try different angles, locations, and lighting, until you have a beautiful photo.

Decide if you want to sell on a multi seller platform such as Etsy, or a stand alone site. As a beginner, someplace like Etsy is a great place to start selling your craft. If you choose to go with Etsy, dig in and start a shop. Within a few hours, you can have your shop up and running. Should you choose to start a stand alone store, you will need to research the best options for your shop.

Once you have your products listed for sale, your job will be to drive traffic to the site. This is where the dedication comes in play. In order for your shop to succeed, you will have to put in the time getting your product seen. Facebook, blogs, Instagram and Twitter are all great outlets. If you set aside a certain amount of time daily to promote your goods, you will soon see the rewards. While working from home, distractions can happen easily. Your focus and diligence will be the determining factor in whether or not your products begin to sell. So, if you are still interested in opening a shop of your own, what are you waiting for? Go forth and sell!

Fixing Your Credit – The Real Story

Over the years of working in the family law field, I have observed different trends with regards to debt and bankruptcy.

The bankruptcy laws have changed drastically and I tend to steer my clients away from bankruptcy because there is a much easier route to get debt relief and most people are not aware of how easy it really is.

When I use the statement “easy” I do not mean simple. There is work to be done and patience to be had. My approach to credit repair is the same regardless of the number of debts that need to be addressed.

While I will not share trade secrets, I will share some basic information that may help with the decision on what road you should take to get some financial relief.

My approach is not to use bankruptcy as an out. The reason is obvious. With my system, your credit will get better not worse. Not only will your credit rating improve, your debts will disappear at the same time, this is a win win scenario.

With bankruptcy you will go through the hassle of appearing in court, paying an attorney to prepare the bankruptcy documents, and then the 7 to 10 year mark on your credit.

No matter what, this is the ONLY thing that cannot be removed from your credit report. By law it must remain on your report for at least 7 years.

I have had many of my clients try other credit repair companies with little success. Part of the reason we are successful is we understand the laws and we do not quit until all items are removed.

I caution people to stay away from companies that charge by the month because common sense says that there is no incentive to getting the job done in a timely manner.

Keep in mind that there is no set time that this can take. I have had clients who I was able to “get clean” in four weeks and some take four months. There is no method to the madness. The process is the process and there is really no way to take short cuts as there are laws that govern the process.

The reality is sometimes it takes guts to take on some of the debtors and collectors so someone with thin skin may not be as successful. As a former Settlement Administrator for a Public Company I have no problem going up against the best of the best. I have studied the laws regarding debt collection and reporting and am confident in my ability to remove anything.

At the end of the day you have to make the best decision for you and your situation. Getting your credit report clean is a very real thing and you can have clean credit in as little as four weeks.