4 Things Contractors Should Know About Contractors Insurance

Any company involved in construction work, building maintenance or installation and repair services is in need of contractors insurance. Contractors will be ill-advised to forego contractor insurance in a climate of high crime statistics, unpredictable weather conditions, negligent workers, faulty equipment, defective substances and a million and one other thing that can go wrong in the contracting business.

There is also an ever-growing propensity to be held responsible and accountable for damages caused to third parties. Think about it this way: Insurance premiums cost a mere fraction of stolen materials, damaged projects or compensating agents or third parties for losses incurred through the negligence of workers or the forces of nature beyond anyone's control. By having the conviction and foresight to take out builders' insurance, contracting businesses are safeguarding themselves against possible losses and lawsuits that could end up by severely crippling the company financially or, in the worst case scenario, even bankrupting it. A contractor's policy actually costs very little in terms of premiums and is worth its weight in gold.

The basics of builder's insurance

1. Builders' Risk Coverage (also known as construction coverage)

Builders' risk insurance indemnifies the contractor for losses or damages to a building while the building is under construction. Insurance usually covers the building for a specific time period and applications only while the building is under construction. This type of insurance typically covers fire damage and vandalism. The policy may also include materials in transit to the building site as well as materials and equipment stored on site. Tools, equipment, vehicles, materials and any other assets used on site may also be covered. For the amount of protection it affords (and the peace of mind that goes with it) builder's risk insurance is reliably inexpensively (as against general liability insurance).

2. Insuring Materials on site and in transit

Given the cost of modern building materials, it is common practice for constructors to insure their materials either on site or while in transit. However, the onus is on builders to make sure that all reasonable precautions are in place to protect materials from theft or storm damage as much as possible. This coverage can also include materials stolen in transit due to the vehicle being hijacked while en route to the building site.

3. The most common insurance claims made by contractors

The most frequent claims made by contractors entail materials theft, damaged materials while in transit, storm damage, or surrounding properties being damaged while construction is in progress.

4. Most expensive Claims

The most costly claims most commonly filed by contractor are usually damages caused by third parties and their properties due to the contractor's "negligence" for example, materials being blown off structures in storms or high winds and landing on nearby cars or buildings. Also damage caused to existing underground pipes or cables. Other high claims are damages caused by fire, rainwater damage to structures, lightning damage or severe storm damage. All these liabilities can be covered by an All Risks contractor's policy.

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Forex Trading Courses – Why They Are The Best Way to Learn Forex Quickly

If you want to learn Forex trading quickly and get on the road to Forex trading success, there are courses which can cut your learning curve and give you proven tools for success, lets look at the how the best courses can help you win.

Most new traders think there going to win by following an automated Forex robot and earn a regular income with no effort but in a market where 95% of traders lose, its obvious you need to make an effort and do some study. It is for this reason that more traders than ever before, are seeking out the best Forex courses.

The best courses are presented by experienced traders, who have been in the trenches and t have learned the hard way, they have made mistakes and found out what tools work and do not work and present you with proven strategies to help you enjoy currency trading success.

By giving you a proven Forex trading strategy, they cut your learning curve and all the best courses, will show you how their strategy works in real time, so you can see if it's profitable and in addition, gain confidence in the strategy so you can trade with confidence and discipline.

All the best courses are backed up by 100% money back guarantees, so you can learn with no risk and see if their strategy can lead you to success or not. You have the comfort of no risk and the fees for these courses are reasonable, usually around a hundred dollars so and this means any trader can afford them and one good trade will pay for them. The best courses will teach you skills that last a lifetime, full support from real traders and offer complete satisfaction or your money back.

So if you have ever wondered if you could become a successful Forex trader from home, try one of the best Forex trading courses and find out for yourself – risk free.

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Co-Signing a Loan

When you co-sign any type of loan, you are taking on the risk the lender
would not; ensuring that the person you co-sign for is going to make the
payments. If they do not, you are going to be responsible for the owed debt.

When determining if you should co-sign a loan for someone, you need to consider
the following:

– Will you be able to pay the loan if the borrower goes into default? If
you can not, not only will your credit be adversely affected, you can be sued by
the lending creditor.

– When you co-sign a loan, your chances for obtaining approval for a loan for
your own personal use Declines because of your current obligation. More
specifically, the debt you co-sign for is considered your debt.

– If you secure the loan you co-sign for with some sort of personal
property, ie your home or car, you run the risk of having these items taken
away from you if the loan goes into default and you can not pay.

– If the borrower does not pay their loan, not only will you become
responsible for the debt, you are also going to be responsible for any of the
late fees and collections associated with the over-due debt.

You should also do the following when co-signing a loan:

– Get in touch with the lender and make sure that you will be contacted in
writing as soon as soon as the borrower is late on a payment. This will give you
time to get in touch with the borrower and fix the situation before the account
goes into collections. If the account does enter into collections, you will be
responsible for paying off the entire debt at one time.

– Get a hold of copies of all the stipulations and terms of the loan.

Some More Advice to Follow If You Are Going to Co-Sign a Loan

Prior to co-signaling, you should contact the creditor to see if your can
negotiate your liability if the loan goes into default. More specifically, you
can have your liability changed so that you only are obliged to pay only the
loan balance and not any other late fees. It is always a good idea to get any
final, negotiated Clauses in writing.

What Are the Benefits of Being a Loan Co-signer?

Co-singing a loan can be a good idea if you are certain that the borrower is
going to repay the money. For example, co-signaling makes sense if you are
the parent of a child with no credit, but a steady income, looking to buy a home
for the first time. You will help your child get the mortgage financing them
are looking for, while helping build their credit rating.

It is very common for someone's credit to be adversely affected as a result of
divorce. This will hurt their ability to get approved for loans and credit even
though they have a steady income. Co-singing a small personal loan in this
instance will help them re-establish their credit.

In conclusion …

As mentioned, there are instances when co-signing a loan is harmless.
However, the majority of the time, it is a very risky move. As a matter of fact,
studies have shown that co-signers end up paying the debt of the borrower 80% of
the time. When co-signing any loan for any purpose, friend of family, PROCEED
WITH CAUTION!

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Forex Robots – The Sales Copy Says Huge Profits But the Truth? Most Destroy Equity Quickly

Every forex robot promotes a track record of gains and yet well over 95% failure to deliver so here is the sales copy translated so you can find out the ones that will not make money and find the minority which do …

Here is the sales copy and translation

1. A track record of spectral gains

On paper yes, in real trading not at all. Try and find a track record which does not have the worlds "simulated" and in "hindsight" on it in the risk warning – a word from experience, you will have a long search. The track records you see of $ 100,000 a year are not real dollars there paper dollars done looking back with all the facts and price data to hand. The reality of trading forex though is you do not have that luxury of knowing the closing prices.

That's why you can get financial freedom for $ 100.00 or so – its not real life though!

2. A formula that occurs and re occurs for consistent gains

The formula works once on paper and never works again and the system takes a bath. The vendor simply bends the system to fit the data (a concept known as curve fitting) and curve fitting is always the death of a trading system in real time trading, as the data never replicates itself exactly again the system fails.

3. Designed By a Boffin

Usually an ex banker, mathematician or other boffin. Why does that ensure success? Trading systems that tend to work tend to be simple and being clever or having an education mean nothing in forex trading – its results and that's it and I know plenty of simple traders who make money and plenty of clever ones that do not.

4. Earn Money Without knowing anything

You can try and earn money but if the systems worked as the vendors say, ie there is no work involved, begs the question – Why bother selling the system, why not trade it and keep quite you could make yourself a millionaire or better and not worry about a few hundred bucks from a sale.

You do not get anything in life for nothing and it's the same in forex trading

5. You have nothing to lose

On the fee maybe not, on the account probably yes!

Demo accounts (unless you want to trade them for a long time) are no real use, as you need a year to judge a system and also there is no pressure, so its not a real trading experience and after reading this article why bother, you know the facts.

Forex robots sell in there thousands and very few work and most simply fail miserably in the market and its no wonder when they have never been traded. The hypothetical track record simply is not questioned by buyers – but why not? That's the acid test and keep in mind you cant spend paper money.

If you want to make money at forex trading understand, it's not easy and you do not achieve success with no effort.

You can make gains but you need to get a solid forex education, a simple system, that's robust, logical and you understand and can trade with discipline. You are then on the road to currency trading success.

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Bad Credit Business Loan

Based on bank lending practices, one might be misled to believe that people with a bad credit history are not capable of running successful businesses, illegally to repay business loans, and overall, risky borrowers. But the truth of the matter is; having bad credit does not make a person incapable of running a profitable business.

There are many reasons why a person may have a low credit score that may have no relation to their money management skills. These include having obscene amounts of student loans to repay after graduating before getting a job that can support those payments, and getting used in the lure of credit cards as a young adult and having to pay for it later. But in the end, these mistakes can serve as a learning experience, teaching a person to make wiser financial decisions in the future and making them better equipped to handle financial problems that are presented within their business.

The question remains: Is there hope for business owners who have poor personal credit histories? Is there a way to get a bad credit business loan?

The answer is yes. Through a business cash advance, a business owner can get a loan for his / her business even if he / she has bad credit. This is due business cash advance lenders take the strain of repayment off of the borrower, making the business responsible for repaying a loan.

How does this work? A business cash advance is a purchase of a business' future credit card sales. Business cash advance companies provide an up-front cash payment in exchange for a small percentage of the credit card sales that a business makes until the loan is completely paid off. Therefore, having bad credit is not a disqualifying factor when it comes to receiving a business cash advance.

The repayment of a business cash advance also has no affect on a borrower's credit score. So the borrower does not have to worry about worsening his / her credit score when receiving a business cash advance.

Many Americans do not have the 700 point credit score that is normally required to receive a business loan, but that does not mean that their dreams of running a successful business should be shattered. Fortunately, the availability of business cash advances gives business owners with bad credit another option, making it possible for them to finance the development of their businesses.

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The Best Currency Trading Software is the Best to Trade – Manual & Automatic Trading

What is the best currency trading software that can help you out? Or should you try regular manual trading? It's all up to you, you have plenty of options which is the beauty of Forex, you have plenty of different ways of making cash. That's why you should start now and try to make as much money as possible!

Okay, so when it comes to the Forex market, you want to start with a sense of urgency. There are many different ways of monetizing the Forex market with manual and automatic methods, we are going to go with both methods, explain why they are great, some additional stuff, and why you should in the end consider both options!

Manual Trading
Manual trading is great if you actually know what you are doing. Many traditional expert traders like to trade their own money, they trust their own hands – and feel if they can not trust themselves then they can not trust "software", so they do so and successfully, there are others that fail, and fail miserably ! First of all, many of the manual traders actually use something that is called a Forex indicator, it uses technical analysis, which is complex mathematical formulas that measure different things and statistical in the market to determine the future.

Predicting the future is pretty tough, but it is still very possible with Forex. Manual traders also use something that is known as a fundamental analysis. This is very useful because it takes the state of the currency home's economy into account, by using both manual traders put together a "profitable puzzle".

Automatic Trading
Automatic trading is one of those new things that has everyone going crazy because it uses technical analysis, and even built in psychology to help simulate what an expert trader would do, even better it trades your money for you automatically, so you can sit back and watch the cash pile up.

It's crazy, and it sounds too good to be true, so you would really have to see it in action to actually see how it works and to see how believable it really is.

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Is It Possible To Learn How To Earn Money Without Investment?

Learning how to earn money without investment in the online world is a tough thing to do. I know, I've been at it for 3 years and real help and advice is hard to come by. I only really began to find any real success over the last 6-8 months and guess what; it does take a little investment. But beware! The majority of sites that you will visit that claim to help you do these are usually trying to sell you something or get you on their mailing list so they can sell to you at a later date.

There is nothing wrong with this to my mind however, as long as they are pointing you towards products that will actually help you. All too often however they will sell you a product that is sub standard or only really benefits them in some way, usually financially.

I remember about 2 years ago I bought a 'turnkey' website, they claimed that I would get a blog, they would provide all the content and help me to sell thousands of dollars worth of ClickBank products. I excitedly logged into my new WordPress site that they had created for me, only to find that I could not change a bloody thing to the way I wanted it. They had links back to their main site on every page to help their rankings and the support was pretty much useless.

On top of this, I had no clue how to rank a site in Google below on page optimization and maybe doing some blog commentary. As you may have guessed, they did not tell you how to rank well either, even though they obviously knew how to rank well themselves.

I asked for my money back of course, and got most of it. (Apart from about $ 30 that I was stupid enough to part with on a useless up sell from one of their JV partners) A small loss financially but but I look at it as a lesson that I paid for. I'm just happy that I knew enough about WordPress at that time to see I was getting swindled. There are probably hundreds of who were not lucky enough to be armed with that info however and probably spent months trying to work out why they were not selling anything.

The point is this: Many will claim to be able to teach you how to earn money without investment, just to get your email address from you so that they can keep recommending products which you have to buy.

Your best bet is to find a source of honest information where you are not sold at every 5 minutes by an email auto responder.

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Welding Jobs: Ideas You Can Use At Home To Make Money Welding (No Boss While You Make $100,000)

What if you could make $100,000 a year welding from home?

What if you could make even an extra $500 a month from home, using your current skills? If you are a welder with basic welding skills and you are between jobs or you are being under paid in your current job, it might be worth your time to read this article – let’s think outside the box for just a minute on how you can make money welding from home.

From Home Welding # 1:

Teaching or tutoring any skill is a very profitable business. In any town of any size you’ll see at least one tutoring business in a strip mall brick and mortar location. In that same town will be at least a dozen other tutors working from home, making good money.

Yes, most of the time they are tutoring math and reading to students. Lean back and think about what skills you have that can also be used in a tutoring business you can set up and milk cash from, like milk from a cow.

Let’s say you are good enough with TIG to weld razor blades or pop can butts.

If you can teach a non welder to operate a TIG torch good enough to go on and practice on their own at their home in about 3 hours of your hands on theirs – they will pay up to $100 an hour for 3 hours of TIG instruction. Just 2 students a day would bring you $100,000 a year. If you think I’m kidding I’m NOT! There are many reasons why education is so valuable – and that includes intense, focused tutoring in welding.

6G pipe welding is the highest paid of all welding certifications – most 6G welders make $100k to $300k a year – and demand is crazy. However, if you are a 6G welder and you want to stay home, you can set up and teach 6G in your garage. Let’s say you do this with 7 students, each paying you $10,000 for a 3 month course. Yes, they will pay it – especially if you show them how they will have more time with your hand on theirs (the #1 secret to learning 6G fast).

From Home Welding # 2:

I was in Palm Springs the other day. I have been in and around the trades for 30 years… and when you see a tradesman’s truck and it is late model without dents or many scratches, clean, organized and well equipped, it means (99% of the time) that guy is making money.

I pulled up to a light behind just such a truck – “Joe’s BBQ Service and Repair.” That’s it – that is all Joe does. He will weld cast aluminum or steel. He’ll clean and polish. He’ll replace a burner or a control. OR he’ll buy your old unit and sell / or sell you a new one.

Yes, you need a town with a lot of high end BBQs. Other than that, go get it.

From Home Welding # 3:

Large steel cut outs. In art of all kinds, size matters. For example, 20 years ago we purchased two 4′ long coat racks – each is a piece of 1.5″ x 1.5″ x 1/8″ angle 4′ long with 6 horse shoes welded to the angle to hang the coats.

On the horizontal surface of the angle is welded a scene made of 7 horse and 7 tree cut-outs. We paid $185 for each of these 20 years ago… that would be about $300 a piece in today’s dollars.

The problem with you making these is that the 14 cut outs on each unit are too small too many to cut by hand – you need a computerized plasma table to make these.

Here is where the magic of size makes all the difference.

The artist who drew the cut outs on our coat rack was good. Each of the 7 horses is different and beautiful, as well as the trees. Any – or all of these – cut outs can be scaled up with chalk onto a sheet of say 4′ x 8′ x 3/16″ steel. Now, all you need is a plasma or an oxy torch to create the large version.

What would a horse cut from a 4′ x 8′ sheet sell for?

$300 to $700. It would depend on where you are and how you market it. Marketing is a large part of any business. Good marketing is not hard – you can do it.

You can see, if you could get a “business pipe” full of inventory and sales and you were delivering 2 horses a day, you could easily make $100k. The other major opportunity with big cut outs is gates. The key to all of this stuff in the art category is beautiful line drawings. If you are not an artist, hire one on the condition that they sign the copyright to you.

There are endless ideas to utilize even your most basic welding skills from home to make an excellent living or just extra money. The trick is:

Step A:

Find what will work best for you.

Step B:

Write out a simple plan of attack. Don’t put the cart before the horse. Many small businesses fail because the owner gets all wrapped up in the details and loses site of what is important. Here is what is important: Don’t spend money – MAKE MONEY!

Step C:

The first rule of business is to GET NOTICED. That is also the end goal of all marketing – once you have enough eyeballs on you, you will succeed. The common mistake is to leave marketing for last while concentrating on every little rule and piece of paper. A business license will do you no good if you don’t make money! Save your money and get it (if you really need one) when you make some money. Towns and cities will simply say, “do you have a business license?” When they ask, say: “I’m getting one now.”

Conclusion:

You are blessed to live in a country where you can go from nothing to something in a hurry. However, to get anywhere in a hurry requires running hard. You’ll never regret it.

What should you do next?

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You Can Get a Personal Loan After Bankruptcy

Having survived bankruptcy, you may think that your world is topsy-turvy. Well, that is not exactly true. Your declaration may leave an indelible mark on your credit history that is hard to entirely escape, but remember, you are not the only one. Over 250 thousand bankruptcy declarations are filed every three months in this nation. Many of these are due to the economic and financial turmoil the global economy that has dealt us all some hurt this last half-decade.

Joblessness, Illness, Bad Luck

The unemployment rate, perhaps poor health, or just plain old bad luck, have caused many to become behind on important monthly obligations such as housing or transportation or grocery bills. When these unpaid obligations start to pile up, they can have a snowball effect and get worse with each ensuing month. As a last resort, to protect whatever assets are still surviving, some have no other recourse than to declare bankruptcy. Having come out of bankruptcy, many should consider it as a way to wipe the slate clean and start rebuilding toward the future and improving their creditworthiness.

Up by the Boot Straps with a Personal Loan after Bankruptcy

Rebuilding your creditworthiness and your good name could very well start with taking out a personal loan. Whether taking out a secured or unsecured loan, go for it. One secret is to not stop borrowing. Just remember that an unsecured loan will charge you a higher interest rate than a secured loan. A secured loan is one that is backed by an asset you own, such as real estate or a vehicle. Whatever transpires, please do not neglect this loan in terms of repayment on time every time. You are being granted a second chance and it would be wise to not spoil it.

Potential for Repayment

Depending on factors such as collateral, salary, and even personal recommendations, personal loans are available that range from $500 to $20,000. Income will be a primary consideration when loan amounts are figured. Some financial advisers suggest that individuals who have experienced a bankruptcy can start at $5K or below for a first personal loans ensuing a bankruptcy discharge. If the need is great and the payback potential great, a loan could be higher than that.

Some Extra Help

If you have no collateral, your best bet for a personal loan after bankruptcy would be to have a financially secure cosigner. Unsecured or no-collateral loans are riskiest for lenders so interest rates will be high. To lower these rates, having a cosigner would be a good way to land a personal loan after bankruptcy. The cosigner must be aware that they are liable for the loan should you default for whatever reason.

Seek Far and Wide

Because there are so many folks who have found themselves financially strapped, there are many private lenders who have stepped in to answer the calls of the market regarding personal loans after bankruptcy. You will find a plethora of these lenders on the internet. Simply punch bankruptcy loans into your favorite search engine and you will be rewarded with many lenders willing to take a chance on bankruptcy clients. You will pay higher than usual interest rates, but you will also find that they can be lower than expected due to the competition in the market. As you can see, it is possible to get a personal loan after bankruptcy.

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Trademark Application: Online Tools to Protect Your Investment

Many businesses understand the benefits of trademarks for their products and services, in protecting them from the time and monetary investment in developing those products and services. However, many organisations and businesses are unaware of the need to register these trademarks to comprehensively protect their brand and business offerings.

Without the security of a registered trademark, a business risks losing the investment, or minimising the effect of, developmental and marketing efforts that it engages in. Competitors in the same or similar industries could potentially own a trademark with comparative qualities and identity in order to market products and services that replicate the business model. This could not only affect the revenue generating capability of the business by increasing the level of competition in the marketplace, but could lead to a damage of the image that has been created; resulting in a lower perception of quality by current and potential customers. Given the importance of securing your investment made in the marketplace, as well as securing the business future, legally registering the interest through the trademark application process is essential.

Applying for a trademark application, and upon finalisation, provides numerous benefits to the business, including that they are able to strongly differentiate their identity and products in the marketplace from their competitors. Furthermore, the trademark can act as a marketing instrument which empowers a company to control the image and perception presented to the market. An important commercial asset, applying for a trademark application can provide a level of quality to consumers, guaranteeing potential buyers of the quality of the products and services being sold.

The brand and logo of the company is the physical representation of the quality of the business. Successful logos and brands evoke instant feelings of trust, credibility and a desire by the consumers to purchase from the brand in question. This is why it is imperative that a trademark application be processed for the company’s design work, images, colour, fonts and other components that make up the logo and brand.

Since the inception of the internet, people have been turning to the web to source important information; and with the recent trends in websites providing online assistance and purchasing, a majority of consumers are turning to the internet to source information and purchase online. Trademark applications are no exception, with industry leading business protection companies developing software and wizards which guide the user through the trademark application process; alerting the user to important issues and prompting where other additional information may be required.

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