Make sure that your business insurance agent allows you to read your policy before signing it. Have you ever heard voices or typing over the phone while you are trying to discuss an important issue with your business insurance agent? You need one person at the insurance office that is at work on your needs for the same reason, you need one person on your staff.

Managers should train employees to know who to contact about business insurance issues. The workers that assist in keeping insurance claims down should be rewarded. It covers everything from property and casualty insurance to health, disability and life insurance. Always type a letter based on what your conversation with the insurance agent is about. When this happens, the agent will give your claim file to their legal department to make sure it is handled correctly.

Here are some pointers to help your business work with its insurers. When you accept a business insurance policy, make sure that all the details are correct before you sign the policy. If you have an issue or dispute with the insurance company, you should correspond in writing. Large insurers have a high turnover and making oral agreements is not smart.

Demand excellent service, regardless of the size of your account. You can be assured that your insurer’s staff will keep a record of all communication. Including conversations at meetings or speaking on the telephone.

Threats will pull the issue from those who have something to gain by solving the problem and place it on the desks of the employees that are paid to make sure the problem is completely resolved! Form solid partnerships. Push to form a relationship with your business insurance agent. You need them on your side to make sure they represent your best interests with their company.

The Fisher Space pen is unique because it writes in zero gravity, and has developed iconic status. The Bullet Pen is the flagship product of the Space Pen Line, fitting neatly into a pocket. There is a bullet style pen on permanent display at the New York Museum of Modern Art, having been cited as an example of ‘exquisite industrial design’. The space pen was also featured on the episode The Pen on Seinfeld. To read more please visit the Fisher Space Pen Website.

The Fisher Space pen was invented by Paul C Fisher in the 1960s, and was subsequently adopted by the American and Russian space agencies. Before the space pen, astronauts used grease pencils and plastic slates.

The pressurized ink cartridges allows the user to writes in zero gravity, upside down, underwater, over wet and greasy paper, at any angle and in extreme temperature ranges. A sliding float separates the ink from the pressurized gas, and the ink is forced out by compressed nitrogen. It has been claimed that Fisher Space Pen refills can write for 3 times longer than a standard ballpoint pen.

History of the Fisher Space Pen Paul C Fisher demonstrated an aptitude for engineering at a very early age, and went on to study Science at Kansas University in 1938. He was introduced to the world of pens in 1945 when Milton Reynolds of Chicago invented the first ballpoint pen. Although his invention attracted interest, it soon wore off as people realized it was of inferior quality. Reynolds turned to Paul Fisher for help.

Paul Fisher helped Reynolds create a new ballpoint pen by supplying him with the parts he requested. Reynolds soon retired from the pen business a multi-millionaire, and Paul Fisher saw the opportunity to develop the ballpoint pen. In 1948 he discovered his most influential invention, a small pocket pen that is now known as the Bullet Pen. A success from the start, the Bullet pen is the flagship pen of the Space Pen line.

During the 1960s, at the height of the Space Race, Mr Fisher realized the need for a pen that wrote in zero gravity. Consequently he invented the pressurized ink cartridge, which was adopted by NASA. The Fisher Space Pen was used during the Apollo program, went to the moon and is used today on manned space flights.

The idea of having and actually possessing enough money to be happy is a thought that we all have on a daily basis. None of us want to be without the material possessions that we may hold dear to our hearts for one reason or another. We all like to have things and in order to be able to acquire those possessions we need to build residual income to be able to afford them. There are many different ways in which building up extra income is possible. Perhaps one of the often overlooked methods is by doing so online. There really are quite a few different websites that specialize in offering products that are able to help people make extra money besides what they are already bringing home from whatever their job may be.

The first thing that you need to do is conduct some research on all of the available programs and applications online that can in fact help you make money from the comfort of your home. The main problem with this is that most 1st time users and persons interested in at home jobs often get drawn into fake situations where they end up losing money.

In any situation that involves money it never hurts to be overly paranoid about doing it. Use all of the tools available to you to find out if this really is a legitimate service. Don’t just read one review about it and decide that it seems ok. One product that is available on the market goes by the name of Plug-in Profit.

One product that I myself looked into was Plug-in Profit. It is actually a combination of affiliate marketing programs which is how I knew that it was legitimate. Affiliate marketing is actually a form of money making that some people can end up becoming quite successful at.

Affiliate marketing in itself is actually a really interesting idea and can like I said earlier work really well depending on the product being marketed and the commitment of the advertiser. The internet is full of possible affiliates to choose and the products are also quite endless in quantity. You as the advertiser get to choose whatever it is that you feel like advertising.

There are many companies that like this type of advertising and then pay the individual that happens to be advertising for them. You make money by getting people to click on certain links in your website that will take them to the purchasing page of the end product.

If you can successfully attract business for a company they in turn pay you depending on how many people have purchased products from them after clicking on certain links contained within your website. As an advertiser you are going to be creating the web site to in fact show off and advertise the product you want the viewer to purchase.

Affiliate marketing is definitely a good option to follow when trying to build residual income.

For some reason internet marketing is known as the industry where you can jump in and make millions without any proper training. Everywhere you turn on the net there is an advertisement with easy money making claims that supposedly happened overnight.

The thing is, there is no other industry that can boast of such success, and the reason is because it is simply not true. Internet marketing just like any other industry, requires proper training in order to succeed. With the proper training, anything is possible on the internet.

The chances of becoming successful online as opposed to a 9 to 5 job is a lot more attainable. The difference between what you can earn online and what you will earn in a traditional job has no comparison. To succeed however, you will need to have all the pieces in tact. The process of succeeding online has to start with the proper training in order to ensure success.

In addition to proper online training you will need to be a motivated person who is passionate about success. In the beginning all of the tools needed to succeed may seem a little overwhelming. Once you have overcome the overwhelm factor, your work load can diminish to as little as one hour a day.

The passion for success online will give you the drive for those days that you do not feel like doing anything. Having your own business requires that you are also your own motivator. No one is more qualified to motivate you better than yourself.

Passion is one of the main ingredients to becoming a real money maker online. If you have the passion and determination, then you need to find the right products, marketing plan, website, targeted keywords, and effective advertising resources. If you are fairly new to the internet, all these resources should be included in any internet program that you are trying to promote. Without the right direction, you will not be able to achieve any of the success that these programs proclaim.

There are 3 marketing principles that you must learn before you can actually boast of making a huge sums of money on the net. These principles include; knowing when to market,knowing what to market, and knowing where to market. Once you have a solid understanding of these principles you will not only be able to succeed online, you will have gained the knowledge needed to do it over and over again.

The road you take on you way to success online is one that you will choose. If you want to spend years online trying several different ineffective programs, then any road will get you there. If you are truly serious about your online success however, choosing to arm yourself with the proper training will give you the advantage over 97% of online marketers. Once you have the knowledge to making money online, you will be able to duplicate it over and over again.

The properties that a lender failed to sell it in an Auction is called an REO. Since the property has already gone back to its lender then the mortgage for the house no longer exists. The buyer receives the title insurance policy and the lender settles such things as eviction , tax liens and homeowner dues.

The bank or the mortgage company of the bank foreclose on a property . The lender finally gets clear of the hassles and finally hires a local real estate agent. The lender then tries to recover almost all of the money lent on the property.

When the property is being sold as an REO, the bank will hire a realtor and in some cases, evict tenants and perform their own inspections and or make minimal repairs. All banks work differently but most will want to sell the property in the “as is” condition.

Some foreclosed properties require a lot of repairs. This is one of the reason why an experienced Realtor chooses to buy a property after it was reverted to the bank. Some banks shoulder the cost of repair but most would sell the property on as is condition.

Banks does not want to own these type of property since having these properties signifies that its a bad loan that the bank has given and is a liability and not an asset.Every time that a bank owns an REO indicating that they are losing money.

The bathroom is an integral piece to a home. People enjoy alone time in the bathroom. Time spent in that certain place is generally spent doing something important though. The bathroom needs a high octane redo. Turning the bathroom from a boring room complete with fabric shower curtains and shower curtain rods into an oasis and lounge can be quite simple. There are going to be a few major upgrades to turn this room in to the heart and soul of a bustling party house. The toilet, not cool anymore and needs new ideas. The shower, not cool and fresh. Finally, lighting needs some fixing as well. It seems that the world is now ready for, the party lounge bathroom.

Rare is the person who enjoys the feel of a toilet. Whether it is made out of porcelain or plastic or something else all together, most people agree that it just doesnt feel right. Well, there’s a quick fix for that. In order to make the toilet cool and fun it should be in the form of a leather chair. This leather chair must recline and also must be a functioning masseuse. While sitting on the toilet on this black or auburn throne, the user will be absorbed in total rest and therefore have a better time. Also included should be a remote control holder on the side of the toilet chair for use on the TV perched a few feet across from the chair. Furthermore, a cup holder for any beverage being consumed must be in the arm rests. Yes, that is an absolute must.

Another key ingredient to the party lounge bathroom is a revamped shower. The new, cooler shower must have optional jet streams for all over the body to completely relax ones muscles while bathing. Also, since a lot of people enjoy singing in the shower a waterproof karaoke machine is a must. Finally, the standard shower needs to be expanded on the off chance there are multiple guests.

Finally, lighting is bland and drab in the bathroom. Most people have a slim number of options, on or off. Others have a setting controlling the brightness. Well, this wont suffice. The party lounge bathroom would be complete with numerous lighting options. One option is strobe lighting, for a true party atmosphere. Another option would be black lighting, since those things make white t shirts and other clothing material look far better than they actually are. Lastly, if in plain lighting people should be able to decide what color they want. Red, green, blue, yellow and orange all seem to be viable options as far as color choices go.

The bathroom has been the same for years and years. As the current generation of teens and pre teens get older and move into their own homes, the bathroom will need a major overhaul to stay relevant. Lets face it; nobody is in to doing nothing and being bored anymore. Young people want to party and want action all the time. That is a good thing for young people, because action and excitement is exactly what the party lounge bathroom delivers.

Getting back your money stuck in the accounts receivable section of your financial statements is not an easy job. It gets so complicated that some companies decide to have another company do that job for them.

Accounts Receivable Factoring is a way of achieving this and getting funding at the same time. You benefit from using factoring because you end up saving money, the one that otherwise invested in the collection process. Accounts Receivable Factoring is a form of externalizing the cost that accounts receivables represent to your company and increase your working capital with little or not delay costs.

Accounts Receivable Factoring companies may also provide other services additional to the standard collection. They give you reports and keep accounting records of their work. They may even do risk assessments that would allow companies to understand what customers are more expensive than others. You benefit from this because you could take measures by improving your credit lines. Accounts Receivable Factoring are also responsible for transferring the funds.

Accounts Receivable Factoring has some positive aspects. This type of funding is less costly than bank financing and has a simpler process. Accounts Receivable Factoring requires some investments but it is comparably less costly than other sources of financing.

On the other hand, Accounts Receivable Factoring may carry legal implications when contracts are not fulfilled the way both parties agreed to.

If you have not understood how Accounts Receivable Factoring work let us clarify it. When a company is overburden by accounts receivables and sells them to a company (a factor), this company will become responsible for their collecting and giving the company its money back.

Customers are instructed to pay their bills directly to the agent or factor, which acts as a credit department of the company. When the factor receives the payment, the agent retains a fee for their services and pays a percentage given to the rest of the company. Most accounts receivable are purchased with corporate responsibility, which means that if the agent fails to recover them, the company needs to repay the amount either by cash or replenishing the uncollectible accounts by other more viable.

Domain names are as important to websites as attractive covers are to books. A catchy domain name is imperative to compete successfully in the online environment. If you think that putting all your innovativeness into the domain name will make it better, you are mistaken.

Do you know the reason for this? The best domain name in the world is one with the relevant keywords embedded in them. It is very important to craft your domain name using suitable keywords. This article will show you how to do that.

You will have to start by searching a keyword that is good for the search engines and also can be a part of your domain name. A keyword analyzer is the tool that can help you do this. You will able to find such tools by searching on popular Internet engines. Enter a keyword in the analyzer tool that tells about the nature of your site. The analyzer tool will display several options for this sample keyword.

Out of suggestions returned choose the options that better serve the purpose of your website. You must choose the keywords that are more specific to your site, because that way you have more chances of rising over the competition.

The time is now ripe to look for your domain name in reality. The company that provides domain names will let you know if a particular domain name is available. If not obtainable, you will at least get some recommendations. The most ideal way to benefit from this tool is to enter your chosen keyword first.

You will get other recommendations if this particular keyword is not available to use as the domain name. Think favorably about the domain names that have the keyword and end with .com. You will have to use your creative mind to think of options if this is not present.

One way of keeping your keyword in the domain name is to put in some filler words or numbers here and there. One ruse is to put the words ‘a’, ‘an’ or ‘the’ as fillers. Search engines will overlook such words. Also consider using numbers such as 77 at the end of the phrase.

If you get everything but the .com, this is what you must do. You may opt for an extension other than .com, especially in the cause of very popular keywords. The extensions that may get popular are .net, .org and .biz. Another trick is to use a state or country extension in the domain name. If you are number 1 on Google in Brazil, it is much better business-wise than if you are number 100 on Google in America.

It is not complicated to have a domain name that serves well for your visitors as well as for the search engines. The keyword tool will influence 90% of the success of your domain name; the rest will depend on how innovative and creative you are. When you find nothing helps you in getting the domain name of your choice, changing the extension always works.

Marketing information products, or e-books, is one of the best ways to make money online. The first thing you should do is research about what the market wants to read in an e-book. After you write your e-book, you need to get traffic to your website that sells your e-book.

So how can you get more traffic to your website, allowing you to sell your e-book?

By writing articles! You have researched keyword phrases and used them to write your e-book. Use those same keyword phrases to write articles, which will add more backward links to your e-book website. At the end of each article, add a link that leads people to your website. You may also want to add a brief note about yourself, the author, and offer them something of value for visiting your site. This “ethical bribe” can be information, a newsletter, or something else that will attract attention.

If your article helps your readers to save money, then you have reached a thrifty audience. They might like other money-saving tips. At the bottom of each article, include a blurb like this: “Stephen Beck is a financial expert who writes articles to help people save money on their wedding. Get your free copy of Celebrate ” Great Money-Saving Tips for Your Fabulous Wedding. Click here for free information”. This backward link brings traffic to your website.

By clicking on that link, customers are taken to your single page website advertising your e-book. A pop-up requests their name and e-mail address, allowing you to send them a free report on saving money. Not only do you collect contact information, but you benefit from a steady stream of visitors to your website, all fascinated by your topic.

After you write the article, use it for massive e-book promotion. Send it to all the article directories, all the e-zine directories on the Internet. Webmasters love free articles, and rarely have the time to write their own. They dont care that your articles direct the reader to your own website; they only care about content.

As you write and submit articles, you develop a reputation as an authority. This increases your name recognition. At the same time, the backward links increase your rankings in the search engines while driving more traffic to your website. This is a great way to use articles to sell your e-book.

In 2003 a business entrepenour named Stone Evans discovered that there was an internet based business which people could generate an residual income profit from their home based business. This business is called a plug-in profit system and Stone Evans decided to share his knowledge with the world to help them become financially stable in their lives.

Plug in profit sites, or PIP’s are websites created for free and within 24 hours on a Host4Profit server. Through this website you will promote products, such as health or beauty products and affiliate programs such as this program, Plug-in profit. You will receive training manuals that you can refer back to at any time and an online support network.

To make the money from the Plug-In Profit web pages you need to get visitors from your site to purchase a product or follow an affiliate link to join a program where you will earn a commission of up to 50% of the sign up fee or product price. Or you could earn money if someone creates their own plug-in profit website via your site you will make a residual commission from hosting fees.

Benefits from signing up with a plug-in profit website it that training manuals are provided when you sign up for the program. You can use these manuals to refer back to at anytime and there are no lengthy courses to attend. With even the most basic pc skills you are able to compete in this home business venture. If you have technical internet skills that will be an advantage for you as you will be able to alter your website and possible gaining more visitors to your site, and knowing how to advertise your page at a more cost effective and effiecient way.

The disadvantages from plug-in profit are that it is a very competitive business and may be harder to break then some other internet based businesses. Plug-in profit is not a ‘get rich quick’ scheme either. It may take months to start seeing a profit, unless you are experienced in the internet marketing business. You will need to put in the time and effort for the business to work.

Some disadvantage of this home based business is that the business can be referred to as MLM or Multi Level Marketing. People may see this as a disadvantage to the business, but if you and those who have signed up under you are making a profit this does not seem like a disadvantage to me.

There are ongoing fees required for this business. You will need to pay a joining fee and many programs require monthly payments for hosting and advertising. This business is not recommended for people who do not have the money to join, or who cannot put the time in to promote their website.

This home based business is suitable for all, from people who have just started using the internet to those who are experienced in internet marketing. With easy to follow training manuals and an online support network you will start making as much or as little income that you require with the amount of work you put into the business.