Category: Insurance

By Marie-Claire Smith

Anything worth doing takes time. Rome was not built in a day. (etc.) Most of us have heard these kinds of statements over and over again. And, for the most part, they are true.

However, this is not helpful advice when you find yourself needing a student credit card fast. Instant approval student credit cards are a great idea, if you can find one.

The challenge today is that there is a host of new rules concerning college students and credit cards. The law now makes it much harder for credit card companies to approach college students for a new card. For example, people under 21 in the U.S. are now required to have an adult co-sign the card applications, which usually means a parent.

Also, new studies show that college student credit card debt is becoming a serious concern, with the average card-carrying student graduating with thousands in debt.

Fortunately, you do have some alternatives that are just as good or better than getting a card. If you are looking for an instant approval student credit card, here are 5 alternatives to student cards:

1. Get another adult to co-sign your application:

Your first alternative is to still move forward with the card idea but to get a different adult – someone other than your parents – to co-sign on the card. This is perfectly legal. However, it may be tough to find someone to do this since they will now be liable in case you run up a large balance and cannot pay it down.

2. Consider using a card for emergency backup only:

A second option is go ahead and get your parent to co-sign the card, but to give them access to your online statements so they can help monitor usage. You would basically be using cash-and-carry for most purchases, but you would have the benefit of a card as backup for emergency reasons.

3. Go cash-only for daily purchases:

Another idea: give up the card idea completely and just go cash-only. That is a sure-fire way to avoid debt problems. The only downside to this, of course, is having no emergency backup in case you were to run into a financial crises.

4. Ask a parent to be your emergency backup:

You could get your parent to agree to be your emergency backup to help you get out of the occasional tough financial spot. The downside: finding a way to get the money quickly if you are stranded at an auto repair shop in the middle of nowhere and need mom to help you pay for that new set of tires you need. Not a very easy way to handle making a quick purchase.

5. Buy a prepaid debit card for day-to-day purchases:

A fifth alternative: get yourself a pre-paid debit card. These cards require no co-signer and do not have anything to do with your credit situation (bad or good). It works just like a credit card does. Just buy a card for a certain value and then keep it as an emergency backup, while using cash for day-to-day purchases. And, there is no application process to worry about.

Consider these 5 alternatives to using an instant approval credit card to help you pay for college and living expenses.

About the Author: Find prepaid debit card deals at:

Prepaid Debit Card Warehouse

.

Source:

isnare.com

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Just why Getting Insurance from your Household is Vital

by

Jamey Ramsour

Risk is virtually all a part of life. We face hazards in every thing that we do, when we go out of our homes, as well as even while we stay in your houses. We do not know what can happen subsequent in how we live, so we simply must be prepared on any sort of scenario. However we may easily offset the hazards just before they arrive. One of many ideal hazard minimization is by just what risk experts call \”transferring\”. Transferring risk means making one more party or maybe entity take the potential dangers and also make the essential actions for you. It is where insurances come in.

Insurance policies are set in place to alleviate the blow of an ill-fated event as well as supply resources for your or simply your beneficiaries during this time period. An ill-fated event commonly triggers damage or maybe loss, and insurance plan could certainly pay for for these types of damages as long as these are part of the premium you fork out. Premium may just be the cost which an individual consent to pay off for the kind of damage or maybe loss you really wish protected. The premium is comparatively a small sum you pay versus the possible charge of damage or perhaps loss that may well happen at some point. Insurances may be made in your automobile, on your own house or simply any sort of real estate property, and also even your overall health and life. Insurances sometimes provides the person spending for it reassurance and also preps him for almost any circumstance that may happen in the future.

Exactly why is it indispensable to get hold of insurance protection for your residence? First, no person is aware of the potential future. We find insurance for our house to make certain that for any sort of unfortunate incident that could possibly happen, we is going to be insured financially and that we do not need worry on the possible monetary losses. Precisely what are a few of these unfortunate and also unforeseen occurrences or circumstances? Properties for example a residence may well suffer loss from robbery or possibly what they call \”acts of God\” like for example floor, earthquake, storms, tornados or fire. These occurrences are something that we cannot predict and could absolutely demand us being well prepared.

Virtually every home-owner should certainly know as well as be concious of the value of having insurance, as well as having the appropriate type of insurance for his / her household. One example is, in cases where your insurance policy offers you separate coverages for each type of \”acts of God\”, a person has to consider the potential dangers of these occurrences happening. If you will be on a higher floor of a condominium structure, it may well not be sensible to obtain protected for flooding. Then again being covered by fire insurance plan is indispensable as most of us utilize gas for cooking and electrical power for our home appliances, thus a user is constantly exposed to that hazards. Reading mindfully as well as understanding is definitely crucial when getting insurance coverage.

For your condominium requirements, the Urban Vista Condo is one of several most up-to-date innovations of the Fragrance Group Ltd. The Urban Vista Condo is situated in East Singapore and is also outside of the Train station of Tanah Merah Kechil. The Urban Vista Condo uses metropolitan architectural style that will fit the city cosmopolitan way of life of the modern Singaporean. Definitely, it is not merely a excellent investment but also a great place to live in for you as well as your family.

Roger Seat is known as a real estate specialist with ERA Realty Network Pte Ltd and is currently holding the career of Senior Marketing Director. He has been honored with Million Dollar Round Table Acceptance for his fantastic results in real estate investment closures. You can contact him for property or home tips if you arethinking about buying, selling, renting and trading in Singapore real estate.He will be marketing

urban vista

at Tanah Merah. To read more on launch condo in Singapore, please feel free to visit

my website.

Article Source:

ArticleRich.com

By Joe Arthur

For small business enterprises and entrepreneurial start-ups, having a telephone system for small business users that operates easily and smoothly, delivering high quality voice messages or phone connections at the best time is a definite competitive advantage. Besides that, any telephone systems for small business enterprises should also be easy to set-up and run reliably. All this means that the small business enterprise will access an excellent communications system without any headaches and overhead costs tied to running it, giving the owners and staff time to concentrate on running their business and growing it. That is the essence of a small business telephone system that gives a small business or start-up an operational competitive advantage in today’s fast-paced marketplace.

VoIP Phone System or Voice Over Internet Phone System

One option for small business telephone system are VoIP phone systems. VoIP stands for Voice over Internet Protocol (IP), which is a system of telephone communications routed over the Internet. It is less expensive compared to a regular phone line. In some areas, you can make unlimited long distance calls for a very low price. Even international calls are cheaper compared to regular telephone rates. The best thing about this is that some provides interfaces that allow you makes call directly from the computer, making it easy to make calls while working.

Once upon a time, access to functions like having an auto-attendant, phone queuing, call forwarding or international dialing, were expensive and even difficult to set up. Not so anymore. Today, a hosted virtual VoIP PBX telephone system for small business enterprises contain all the latest phone system features at very affordable prices. More than just a productivity enhancing communications system, it also projects a quality company image to all callers.

Multi-Line VoIP Phone System

A second consideration would be to get a multi-line phone system. Note that the multi lines can regular or VoIP phone lines, so it is an added facet to a single line VoIP system. While a small business can thrive even with just one existing phone line, if you want your clientele to be able to reach you easily, you will need to look for small business telephone systems, preferably those that allow multiple incoming and outgoing calls at the same time. You may also need a fax line, or plan to have a separate line that doubles as a fax line. In that case, the multi-line phone system should be able accommodate that easily.

A multi-line cordless phone system can be very useful for small businesses as the user is not tied to the immediate desk area. The best thing about a small business telephone system with cordless phones is that it flexibly allows multiple users can make outgoing calls at the same time. This makes it ideal to use for sales and prospecting.

When reviewing telephone systems for small business enterprises, you have to first determine what your needs are, how many phones you need for your office, and an estimate of how many calls you are likely to make simultaneously. Your phone system should be designed to fit the nature and the demands of your business, whether it is a regular single or multi line VoIP phone system.

About the Author: To learn more about choosing the best small business telephone systems that fits your business needs, check out the multilinephonesystems.net website. There are tips on getting the best

multi line cordless phone systems

and reports on

SoHo phone systems

for small offices and home offices.

Source:

isnare.com

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All That You Need To Know To Pass A California Insurance Exam Successfully.

by

Lara Newcomb

Who Takes the California Insurance Exams?

The type of insurance you would like to sell will determine which California insurance license you will obtain. There are three main insurance licenses in California (Life-Only Agent, Accident & Health and Fire and Casualty). The Life-Only and Accident & Health insurance licenses will allow you to sell life and health insurance (including annuities). The Fire and Casualty insurance license will allow you to sell all other types of insurance (including personal lines and commercial lines). If you are only going to be selling personal lines and NOT commercial lines then you can take the Personal Lines only exam. If you are only going to be selling personal lines auto insurance you can obtain the Auto Limited lines license.

What are the pre-licensing requirements for the various California Insurance licenses?

California Life Only 20-Hours + 12-Hours specific to Ethics & Code

California Accident & Health Only 20-Hours + 12-Hours specific to Ethics & Code

You can obtain both licenses above and take a combined exam by completing our 40-Hour Life & Health Agent course (plus 12-Hours of Ethics & Code) and scheduling to take the combined exam.

California Fire & Casualty 40-Hours + 12-Hours specific to Ethics & Code

California Personal Lines 20-Hours + 12-Hours specific to Ethics & Code

California Auto Limited Lines 20-Hours + 12-Hours specific to Ethics & Code

The 12-Hour Ethics and Code course only has to be completed once. Pre-license education can be obtained through a live class, or online.

Are the Insurance Exams different state to state?

Yes! Be very careful when preparing for your exam to make sure the material you study is California specific. There are many insurance schools out there that offer generic study materials that are NOT specific to the CA exam. The course you study MUST be California specific. Our online courses were created specifically to satisfy the California pre-license requirement and prepare you to pass your California insurance exam on your first attempt.

What content do the California Insurance tests cover?

The California insurance tests are very broad. The California Department of Insurance creates and published exam outlines that are referred to as Educational Objectives for each exam. You can view and print the Educational Objectives for each and every exam by typing Educational objectives into the search box on the California Department of Insurance website homepage at www.insurance.ca.gov. All of our course content was created to reflect the most recent copy of the California Educational Objectives.

Do I need a sponsor to take a California Insurance exam?

No. You do not need a sponsor. In order to sell insurance in California you do need to be appointed by an insurer. However, you do not need to be appointed to schedule your exam.

How do I schedule my insurance exam?

You can schedule your exam prior to completing our online pre-licensing course. This way you can ensure the date you select is shortly after your completion of our course so the information is still fresh in your mind. You will schedule your exam on the California Department of Insurance website (www.insurance.ca.gov). You must fill out an electronic license application and pay both your licensing fee and testing fee during registration. Once the DOI has received your application and fees they will notify you via e-mail that you can select a test date on their site. You can obtain more detailed information about scheduling your exam by typing FLASH into the search box on the California Department of Insurance website.

What should I bring to the test center the day of my Insurance Exam?

You should bring your Key Facts from our California Insurance Licensing course to re-read just prior to going in to take your California insurance exam. This will load your memory for the test. They will provide you with a pen/pencil, scratch paper, and basic function calculator at the test site. Make sure to write down your cheat sheet on your scratch paper when you sit down at your cubicle prior to starting your insurance license test. This will allow you to refer back to it whenever you need to during the exam.

If I don t pass is there any waiting period that applies before I can retake the insurance licensing exam?

No, there is no waiting period before you can re-test. However, each time a candidate retakes the exam another full testing fee is required ($41 for most exams).

You will find more detailed information about the

California Insurance Exam

on our web-site.

Article Source:

ArticleRich.com