Author: Forrest Monnier

Finding the Right Work-From-Home Job

Do you have obligations or conditions that make a traditional job difficult for you? Due to advanced online connectivity and resources, remote work is becoming a viable method of building a solid career for many people. The following options are popular work-from-home scenarios that typically require little to no previous experience with ample opportunity for growth and advancement.

Product Sales

If you’re highly motivated, enjoy meeting new people and have a confident personality, you may find success in product sales. This type of work allows you to create a weekly schedule that fits your lifestyle while helping you connect with people face to face. Whether it’s products for your home, fit for life nutrition or unique clothing, it’s important to choose something you’re passionate about.

Clerical Work

If you’re proficient at typing and navigating basic computer programs, there are plenty of opportunities to work from the comfort of your own home. Many companies are looking for employees to help with things like data entry, content writing, appointment scheduling or basic accounting. Transcription work is usually readily available for those who are skilled at typing and have strong auditory processing skills. These types of jobs do require attention to detail and the ability to meet deadlines.

Customer Service

Perhaps one of the most common remote positions available is that of a customer service representative. Employees typically need a landline phone connection and a quality headset or a computer with Ethernet access. You’ll need to have a positive attitude and patience for dealing with potentially upset clients, as well as the ability to follow procedures and multitask. In some cases, companies are looking for individuals who can offer support via chat instead of over the phone. Typically, these positions only require basic typing skills rather than higher words per minute rate.
If a typical 9 to 5 job doesn’t work for your schedule, a remote job may be a viable solution for you. Whether you’re looking for part-time work or a full-time career, the possibilities are virtually limitless.

A Simple Way to Your Own Truck

Have you ever wanted to own your own truck? If so, you may not have realized how easy it is to achieve that dream. Through the affordable options of lease-to-own programs, you can easily make that dream a reality.

The Benefits of Lease-To-Own

Whatever your needs, you will be able to find a tractor that works for you. You will have access to the newest rigs that include the best features, such as great fuel economy, comfortable sleepers and wide base drive tires.

Lease to own truck driving jobs can also include incredible benefits to you as a driver. You may be able to save money immediately through referral and retention bonuses. You might also receive a variety of perks, such as fuel discounts, transition pay, and access to rebate programs that can help you save money every stop along the way. With many programs, there are opportunities to log thousands of miles a week from coast to coast, and you can get paid by the mile. With low payment options and the potential for no money down, you’ll be driving your very own truck in no time.

The Cost of Operation

Many of the costs of daily operation may be covered with a lease-to-own truck driving program too. They may help cover taxes and fees, for example. You may receive preventative maintenance as well as damage insurance to ensure you’re driving safely. Not only will the truck be kept in top shape, but so will you. Having physical insurance will keep you covered throughout the year.

Participation Requirements

Be sure you qualify for a lease-to-own program by being a safe driver and logging those miles. Many programs have a minimum age for participation and other restrictions, such as no DUI arrests or at-fault accidents in your recent driving history.

It is simple and easy to own your own truck with a lease-to-own program. Make your dream a reality and learn how to purchase your own truck today.…

Investing in the Best Software for Your Bookkeeping Needs

The success of your business depends in part on how well you keep its books. Timely bookkeeping lets you know how much money you take in on a daily basis. It also lets you know how much money you have going out for expenditures including inventory, payroll, and utilities.

Rather than let your books lapse and fall into disorganization, you could make bookkeeping simpler and faster by using software like Excel, Access, and cdm charge master. You can find out more about this software and how it operates by doing some preliminary research online.

Accurate Bookkeeping

Knowing how much money you have on hand is critical when you want to avoid spending your account into the rd each month. However, even if you use software to keep your books in order, you cannot afford for it to make a mathematical error. If it makes a mistake when computing your entries, it could throw off your entire day’s profits and cause you to spend more than you have on hand.

Instead, you want to use software that has a reputation for accuracy and reliability. It can accurately tabulate each line of your books so you know how much you have spent on each expenditure. It also accurately tells you how much you have left to spend and how many profits you have taken in on a weekly or monthly basis.

Affordable Software

When it comes to implementing software in your business, you want to do it at a price you can afford. You may need to protect your cash flow and avoid spending too much of it. Instead of spending a majority of your cash flow on bookkeeping programs, you can buy the company’s software that is designed to fit your budget.

Bookkeeping is critical to keeping your business profitable and successful. Rather than do the books on your own, you can use software that is designed to accurately and quickly compile your expenditures and profits. You can find out more about it online.…

What are the best ways to get Quick SME Loans in India?


The growth of the Indian economy is in many ways synonymous with the growth of the SME sector. This is because the SME space is credited with contributing 40% to the total GDP of the Indian economy. Thus, growth opportunities naturally entail the requirement for timely and adequate funding. SMEs require SME loan in order to flourish and compete with the other established, big players in the industry. We shall now explore the SME business loan options that SMEs can avail to fuel their business.

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The SME business loan segment can broadly be divided into two categories.

  • SME Loans extended by private sector fintech lenders: Fintech lenders making extensive use of technological advancements are able to extend quick, unsecured loans at competitive interest rates to SMEs with digital documentation and speedy sanctions for multiple business needs namely business expansion, running of business operations, loan consolidation, working capital requirement, addition of new offices, branches or commercial units. The amount of business loans extends from as low as Rs 1 lakh to an upper limit of Rs 1 crore. The interest rates vary between 18-24% on reducing basis. The tenure of the loan varies between 6-36 months. Further, there is considerable flexibility in the repayment structure of the EMIs.

  1. The government introduced SME credit schemes: To cater to the unique funding needs of SMEs, the Government of India has launched new business loan schemes and given a fillip to the existing ones. Some of the Government announced financing options are:
    1. MSME Business Loans: This scheme extends financial assistance of up to Rs 1 crore to both new and existing MSMEs. It is primarily a refinancing scheme, offered by five authorized public sector banks, which grant the required funds to the borrower. The interest rate is dependent upon the nature of the business and the credit rating. The SME needs to produce GST documentation, IT paper, bank account statements for the last 6 months, ownership proof and KYC details. The details are then uploaded on the SIDBI website.
    2. MUDRA Loans: Micro-units Development and Refinance Agency (MUDRA) is a Government established organization to providelow-cost debt to micro-business units in the manufacturing, trading and services sectors on the novel concept of ‘funding the unfunded’. MUDRA Loans are refinanced business loans, sanctioned through empaneled lenders. The structuring of MUDRA Loans is as follows:
  • Sishu Loans up to ₹ 50,000/-
  • Kishor Loans up to ₹ 5,00,000/-
  • Tarun Loans up to ₹ 10,00,000/-
    1. Credit Guarantee Fund Scheme for Micro and Small Enterprises: The CGMSE functions as a monetary support scheme for micro and small enterprises. It provides collateral-free credit for eligible, new and existing business undertakings. The limit of working capital loans is up to ₹ 10 lakhs without any collateral. However, for all credit facilities above ₹ 10 lakhs and up to ₹ 1 crore, primary security or mortgage of land and building associated with the business is obtained as security. Asset acquired through creditfinance, for business purposes, are also considered as

Effective Online Marketing With Link Building

Google needs no introduction to the reader. The search engine is known to be indexing billions of webpages everyday. It does the job with the help of spider robots which are always on the process of crawling the entire internet indexing and re-indexing. But with the development of search engines with the passage of time, search engine optimization techniques have also evolved to a greater extent and link building is one of newer forms of seo banyo. Link building is usually done with the help of the context and such a process is known as contextual link building process.

The hallmark of link building lies on the very fact that many SEO services are slowly implementing this technique for increasing the page ranks of the websites. The benefits which have been associated with link building using context is manifold and SEO has taken the diversification from the earlier tactics which were commonly employed. And believe me it works once you get the details correctly. A thorough understanding of contextual link building is to be there if you are new and venturing out into the world of SEO. Some of the techniques have been listed in this article.

The fundamental principle is something which is relatively simple. Recommendation is the buzz word. In other words, someone with higher authority will be recommending your name. You have seen its affect in real life and now you will understand its importance in online marketing. A website which has a high page ranking will be recommending the visitors about the existence of your website. This will be done so naturally that most of the visitors will fall for it. And this can be seen as a marked rise in the number of visitors who have been flocking in your website. Now the page ranking of the second website might be low. But because people who visited a website with high rank are visiting your website, your website?s page rank will also slowly start increasing with the passage of time. That is how the process of link building works in the online world. And this is what most of the SEO services also resort to, if they want to increase the page rank of your website. Either you can enlist the help of a professional SEO analyst but if you have ample free time, you can start tweaking your own website without having to pay through your nose.

Google is continually changing its algorithm. They are much confident with their algorithm that they even resort to contest which are open to the public to crack their search engine rating algorithm. But whatever mode Google is resorting to contextual link building service is always succeeding to an extent. As with all material things care must be taken not to overdo the entire process. If you tweak your website such that it ?really? juts out in the World Wide Web, then they temporarily flag u. This will dampen the entire time and effort which you had …

The Best Approach to Saving Money on Car Insurance

The most overlooked factor in saving money on a car insurance policy is to get a lot of quotes for a policy. This is especially true if you haven’t requested any quotes for a long time and have been with the same insurance company for many years. However, there is a certain approach you should take in getting several quotes for your insurance needs.

Decide what coverage you need

Before you begin the quote process, you need to have a specific amount of coverage you are looking for. This should be written down, as you will be entering this in an email. First, decide on whether you want full coverage or not. This will include collision and comprehensive. If you want collision and comprehensive, you will need to decide on how large a deductible you want. The higher the deductible, the lower your premiums will be. You should also decide on the amount of liability you require, keeping in mind that if you have a lot of assets, you may want more liability coverage to protect yourself.

Make a list of insurance companies

Not only names of the insurance companies but you need their email addresses. If there is a specific email for a quote, then use this email. Also, you want to make a note of the name of the person you are contacting, if there is one. Once you have this list, you will be ready to submit your quotes.

You can submit them one at a time

Although it is possible to send one email to several companies at once, you will likely get a better response if you do it one by one. If you have a list of names and emails along with the coverage that you want a quote for, then it only becomes a matter of cut and paste. If you have everything written down in a doc file, including the subject line you will be using, the cut and past operation can be done quickly for each email. You should be able to do 10 emails in five minutes.

The information above should be helpful in saving you significant money on your next car insurance lodi ca.…

Securing Your Business From Every Angle

Every business has proprietary items or concepts that must be protected. The company can quickly decline without security on several levels. Take a look at how modern businesses must function in order to stay viable in their industries.

Physical Barriers

The most obvious security measure to implement is physical barriers, such as gate openers Jacksonville FL. Roll-up doors, gates and cantilever styles are at your disposal. Simply match the gate or door to your application.

There are attractive, interior barriers that can be created for those showroom spaces. Go with a more industrial look with traditional gates in warehouses and back lots. Security can be strong without looking authoritarian.

ID Access

Some companies have hundreds of employees. They roam in and out of the office for a variety of reasons. As a result, almost anyone can walk into the office at will. Consider the use of ID badges to access certain floors. This protocol forces everyone to be checked with the security system as they move to sensitive areas.

Software Security

You spent a lot of money on hardware and software for your company. The software is one item that can be secured with firewalls and other protocols. Don’t overlook the importance of software security. The business’s invoices, vendor information and customer data can be used against you if displayed for the public. Update your software and implement the latest security as the best way to remain safe in the technological world.

Reputation Protection

A security measure that must be set into place is reputation protection. Go online, and search for your business. Read over reviews and comments that might pop up. Your reputation can be quickly solidified or brought down by comments found through online posts. Official reviews cannot be changed, but you can work with the person to resolve any ongoing concerns.

Examine and update those security measures as time goes by. Security is always evolving, especially in the Internet age. Be aware of any updated parts and factory changes too. The business remains safe on every level as a result of your diligent efforts.…

The Flexibility of Universal Life Insurance.

Life insurance is an item everyone needs in one form or another but which few care to discuss. For anyone who is married or with children, life insurance provides a needed safety net. For homeowners, making sure the mortgage is paid after one’s death can be covered through a life insurance policy.

At one time there were basically two forms of life insurance, whole life and term life. With whole life, premiums, or the amount paid for the policy, remain constant through the life of the policy, as does the death benefit. The policy remains in effect as long as premiums are paid. The added benefit of a whole life policy is the accumulation of cash value. Premiums are invested in an account which the policy owner may borrow against.

Basic term life policies do not accumulate cash value and are not permanent policies. They may run for 5 years or more. After the policy expires, the owner must purchase another policy to obtain a death benefit. Because they do not accumulate cash value, term policy premiums are usually lower for the same death benefit. The new policy can purchased for whatever death benefit the insured desires.

Universal life insurance policies blend the cash accumulation benefits and permanency of a whole life policy with the flexibility of term policies. With universal life insurance policies the death benefit can be changed based on the needs of the insured. The insured can seek a policy with a guaranteed minimum death benefit and increase the benefit as life needs change.

In addition, the premium can be flexible and increase or decrease as needs arise. The insured can set the premium amount based on his or her monthly budget. Cash value accumulation is not tied to a single interest rate. Interest earned on premiums can be based on a variable interest rate and indexed to certain financial markets. Unlike term policies, universal life insurance policies do not expire. As long as premiums are paid, the policy remains in force. This feature, along with the variable death benefit, dispenses with the need to purchase a new policy.…

Is Captive Insurance Right for Your Company?

Controlling the cost of your risk management is one of the best ways to reduce your overhead, but how can you control the cost of your insurance? The answer is captive insurance ownership. Captive insurers are owned wholly by the companies they insure, so they work for you. The best part? You don’t necessarily need to be able to afford to spin out your own insurance company to participate. There are plenty of ways to build a captive insurer cost-effectively.

How Does Captive Insurance Work?

There’s a whole captive insurance industry designed around facilitating your ability to participate in this innovative approach to business insurance. They help with the administration of your new business. The result is an easy to manage approach to a product that gives you a superior level of control over your business.

What Material Benefits Does Captive Insurance Bring?

It’s not just about more control over your risk management. When you use a captive insurer, you have the power to insure your business against risk where outside insurers don’t have a model for coverage. Even when that’s not the case, there are often significant tax savings to the use of captive insurance, and the structure of the subsidiary company means you’re not self-insuring, because the captive company is a separate entity. This also means your subsidiary does not necessarily have to be based in the same state or country as its parent company, providing you with more options to manage your tax obligations.

Learn More About Captive Insurance

The best way to learn more about this topic is to talk to an insurance company that works to help set businesses like yours up with their own captive insurers. They’ll be able to talk about how this kind of company fits your existing business model, as well as what material savings you can expect based on how your current insurance solution compares.…

A simplified process on investing in best SIP plans online


The abbreviation SIP stands for Systematic Investment Plan. This means that several investors get together and contribute to a mutual fund by depositing their respective amounts in a regular, systematic manner. This frequency can be weekly, monthly, or quarterly.  In order that you get very good returns from your mutual fund, it is essential that you do due diligence in finding out the right mutual fund and also contribute your share regularly. This article will guide you to invest in your SIP plan online. But why invest in a mutual fund online? Because data suggests that more and more number are discarding the old traditional route of filling forms and adopting the internet for their investment decisions.

Investing in best SIP plans online

  1. Identify your objective- Firstly, identify the reason behind your SIP investment decision. Do you want to accumulate enough money to fund your child’s education, or arrange funds for your daughter’s marriage? Are you considering buying a house? Once you have identified the objective, do some rough calculations and arrive at a ballpark figure for the funds needed.
  2. Becoming KYC compliant- It is necessary to supply one’s personal details online while applying for a mutual fund online. KYC means ‘Know Your Customer’ and every mutual fund would insist that you supply your details to it. These are your name, address, date of birth, Permanent Account Number, and documents that verify these details. You need to self-attest those documents and upload them on the portal of the mutual fund company. You may be visited upon by a representative of the company to ascertain your information.

You can also furnish your details by giving your Aadhar Card number to the website. By doing so, you will get a One Time Password on your mobile. Write that number in the required field on the form and you are done. Please note that giving Aadhar details is not mandatory.

Another thing that is important to be noted is that once you have submitted your KYC details online, you don’t have to repeat that process. Submit your details on Karvy, CAMS and a few other eKYC portals.

  1. Identify and then invest- Once you have submitted your details, the next step is to identify those mutual funds that fulfil your objectives. An important part of this activity is to discover your risk appetite. This means finding the level of your potential losses. It doesn’t mean that you will necessarily lose in the fund you chose; all we are saying is that there might be some losses in your investments and you should be prepared for them.

Once you have identified your best SIP plan, the next step is to start investing in it. If you can afford paying your contribution on a regular basis, then it is time you opted for that plan.

  1. How to buy mutual fund online? You can buy your SIP plan either directly or through a mutual fund advisor. Both of them have their own benefits.

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