Author Archives: schatzi

Mar
23
2023

Blogging to the Bank EBook

Hundreds and thousands of useless books can be found all over the internet on a daily basis. However once in a while a small gem does show up and that little gem is the blogging to the bank eBook. If you are or want to be a blogger and learn to monetize your blog properly then this is the step by step blueprint that you can’t be without. Please don’t read this wrong though. This eBook is just a blueprint. You are still required to put in the effort and put the steps into place. However if you have the commitment there is no way you can’t earn money from your blog.

The blogging to the bank eBook is simply a blueprint that can help you greatly with your blogging efforts. How you choose to use it is entirely up to you. I’m not one of those people to beat around the bush and that’s just the way it is. If you are a lazy bum that thinks they can make money on the internet by doing nothing then you are reading the wrong article and I guess you should leave now. However if your brain is working and you do understand that with effort and determination you can do very well then you can stay.

You see the blogging to the bank eBook will only assist you by giving you very good detailed steps on how to build blogs that are successful. Too many people throw up blogs and never do a thing with them. In fact all they do is sit back and think they will get rich overnight. I’m here to tell you that just doesn’t happen.

What’s really in your favour however are the lazy bums. You see all you have to do is follow the blogging to the bank eBook and you will then be ahead of the game. Now if you take the advice and follow the steps then your blog will quickly shoot past all the lazy blogs. That’s exactly what you want. The higher up you get the blogs the more dollars you will make. No bones, it’s as simple as that.

Mar
22
2023

Getting Auto Insurance Leads Made Easy

Have you ever wondered how you can get good auto insurance leads easily? In today’s stiff competition leads that are winners are the best an agent could ask for. Though it is possible to get auto insurance leads through traditional marketing methods at grassroots levels such leads are hard to come by and selling to them is also difficult. In this internet era it has been proven beyond doubt that auto insurance leads buying is the easiest way to win deals.

Word of mouth marketing which involves your existing customers recommending you to their acquaintances is the most effective long term method for generating these leads that will almost never go wrong. As an agent you would do well to work hard to keep all your clients smiling with your services and prompt support. Let us say that you now want to supplement your existing client base with more clients or you are new to the field who wants to start getting customers. There are companies that do lead delivery services by giving you auto insurance leads. You will need to work them and ensure that it culminates in a successful deal.

Talking to agents who are in the business for a long time could be a starting point for finding leads. They can let you know of some reliable lead sources which you can also hook on to. Watch out though – sources that work for others may not be the right fit for you; there are agents who are never going to reveal their best sources to you – you are after all competition; some agents are incompetent and might blame a good source. So at the end it is your discretion you should be relying on. You can study the these leads details and test them out to verify if they are relevant to your needs – whether they are for your insurance line and for your geography of operation.

Remember to ask how your lead delivery service generates their leads – an organic search process usually gets high quality prospects. Affiliate programs and paid searches also are found to work out. Does your service give you all relevant details on a lead you buy? With these details you should be able to easily work the leads. You could look at samples these companies provide in their websites or you could ask them to provide you with samples. Bogus leads are something you cannot avoid when buying in bulk but a professional company will have a sound process to discount such leads. Most companies also provide their own custom made lead filter options using which you can get these leads that are focussed just for you. You can also ask for discounts when you buy all your leads in bulk from a company. When comparing lead costs among various lead delivery services quality of leads has to be taken into account as a primary factor along with volume and reliability.

Mar
05
2023

Business Insurance – Is It Required Or Just A Wastage?

Human beings are simply born with the inborn instinct in a human being, and the insurance companies are just banking on this. Business insurance is one of the latest of its kind that offers different types of facilities. Whether or not a business requires an insurance policy depends on a lot of factors that we are barely aware of.

The type of business insurance you would choose is likely to depend on several factors, such as the type of business you have, whether it is a company or a home bases business, whether you are selling products or services etc. There are so many vital considerations that will often leave you bewildered.

There are many insurance schemes available for all types of businesses. These business insurances would cover the insurers against many possible problems and risks that might occur from time to time. You must discuss all the specific business risks associated with your business and discuss all the pros and cons with an insurance broker or agent. Your agent is the best person to advise you on all the basics as well as the important aspects of business insurance.

The first type of business insurance is the General Liability Insurance. Business owners often purchase the general liability insurance for covering the legal hassles caused as a result of injuries, accidents and claims of negligent behavior. These policies are a good protection against certain payments that cause physical injury, damage to the property, medical expenses and other such expenditures.

The next type of insurance is the Product Liability Insurance. Businesses that manufacture, wholesale, retail and distribute products are liable for this type of safety. Product liability insurance is a great protection against the financial losses that result from a defective product that can cause physical harm of injury. The total amount of purchased insurance will depend on the product that is manufactured or sold.

Professional Liability Insurance is another type of business insurance that business owners often purchase. Every business owner should consider this insurance. This type of insurance actually helps in protecting the business against errors, negligence, malpractice and provision of such services to customers. Depending on the profession, you would be required by the state to carry out such policies.

Commercial Property Insurance is also a part of business insurance; these are basically property insurance that covers everything that is related to the damage or the losses of the property due to a wide range of events like smoke, fire, hail, storm, wind, vandalism etc. Property has broader definition than it seems to be, and includes business interruption, lost income, computers, buildings, money, company papers etc.

There are business insurance policies for home based businesses as well. In the contrary to the popular belief, homeowner’s insurance policy does not cover the home based business losses. Depending on the risks associated with the business, your business can add riders to the policy of the homeowners for covering normal business risk factors, such as property damage.

Feb
03
2023

The Basics of a Home Loan

What is a home loan?

A Home Loan is a loan, or financing, that you take for the purpose of buying or renovating your home. The facility of Home Loan makes it easier, and more affordable, to make or buy your dream home. Most banks and many different kinds of financial institutions offer home loans to the public at fairly low interest rates. Whether it is for the purpose of buying a house or apartment, or constructing one, a home loan can be the simplest route towards achieving your dream.

How much can I get?

The actual amount of the loan you are eligible for, or can get, varies, and depends upon many factors such as your capacity to repay it, your age, your family income, the number of dependents you are responsible for, and so on. The amount of the loan will also depend upon the tenure of the loan and the current interest rate. Tenure is the total amount of time that you are given for the repayment of the loan. Most institutions and banks will extend home loans for the purpose of buying a house or even a flat, for renovation of an existing property, or for extensions or repairs to be made to your existing home. However, in the case of buying a second property, when you already have one house or flat, most banks will have a different policy and set of rules, so be sure to ask some relevant questions and get clarifications about the specifics from your bank before you sign.

Home loan process

There is a process for seeking a home loan, which partly depends on your need for information ad clarification, and partly on the internal bank processes. The first step is to apply to a few banks and financial institutions, and begin the process of comparing rates and tenures. (Or you can compare rates on our sites). Once you have decided on the bank, the steps are as follows.

· Filling out the relevant applications and submitting the necessary documents.
· The sanction of the loan from the bank or financial institution depending on their criteria for age, repayment capacity, and property value.
· The disbursement of the loan, transferring the home loan amount to you via check.

There will be some documents which are required before the bank will sanction or disburse your home loan. The information in these documents will decide whether or not you are given the loan, as well as the interest rate you will be charged, and the tenure that will be allowed.

These documents include:
· The application form, filled out correctly and truthfully
· Passport size photographs of the applicant and co-applicant (if any)
· The record of your repayment record for any existing loans
· photo ID
· Proof of age
· Proof of residence
· Signature verification
· A copy of the sanctioned plan for the house/flat
· Loan sanction letter
· A check for the processing fee amount
· Additional documents that are required may include
· Bank Statement for the salary account for 6 months (personal/current account in case of business owners)
· Income Tax return for up to three years
· TDS Certificate (for employed)
· Copy of company issued Identity card
· Salary slip and Form 16 for three months (for employed)

Home loan tips

· Do some homework before you apply for a Home Loan.
· Figure out how much of your income you can afford to pay as EMI.
· Check out bank rates to get a rough idea of how much your total loan can come to and look for properties in that price bracket.
· Different banks and financial institutions offer different interest rates for home loans, so compare rates and processing fees before you decide on a particular bank.
· Take your time, don’t be in a hurry. Discuss all aspects of thee loan with the bank, and get complete information about terms, conditions, waivers and so on.
· When you get the form, and the loan document, be sure to read through the fine print and ask for clarifications on any point you don’t understand.