Tuesday, February 21, 2012

Umbrella Business Insurance ? Why it Pays to Have Added ...

Posted by business on February 21, 2012
business-insurance

Business insurance of any kind is all about paying a premium that you can afford to cover any kind of losses that you could incur. Everyone takes a risk when paying insurance companies their premiums in as much as there are no guarantees the company will pay out. But with the correct coverage in place you will have the peace of mind that if your office should go up in flames or someone has an accident on your property, or heaven forbid another party files a successful law suit against your business the insurance company will pay up. This is why any reputable business will have a business liability policy in place; a wise business owner will have general liability cover, employer?s liability, auto liability and hired and non owned auto insurance in place. Another very good cover to take up is an umbrella insurance policy. This provides added liability protection by increasing the limits on your liability insurance. This type of insurance is great in the event of a law suit being filed against your company.

Depending on what type of business you own and the lawsuit filed against it legal and lawyer?s fees could run into millions of dollars. Imagine if you had to find those costs from your own pocket? You could end up losing your entire property and any future inheritance just to make ends meet.

Business insurance coverage is your safeguard against any unforeseen things happening. It is also a requirement in regular business transactions; you will find that if you are planning to rent office space that the person or company you are leasing from will require you to have insurance in place to cover rental costs. This is to cover the landlord in the event of lost rent money.

Business liability insurance and property insurance are different. Property insurance is based on its market value, liability insurance is an unknown quantity there is no possible way of telling how much your legal costs are going to be should you be landed with a law suit or have an accident. This is where your umbrella liability insurance comes into play by providing you with the added cover that you need.

Your business umbrella insurance will cover you where the liability policy may not. It provides the protection you need should you become involved in either a slander or liable case. It will provide for additional cover where your normal liability policy fails. Some things it will not normally cover though are;

? Product recalls.

? Pollution damages

? Workers compensation insurance

? War or terrorism, plus a few others.

Umbrella premiums are dictated by;

? How much coverage you are buying

? The insurance company providing your coverage

? Your own personal reliability, should you have a criminal record or a low credit rating your premiums will be very high to cover the insurance companies? risks from taking you on.

It is always a good idea to get all your liability coverage from one reputable insurance company this makes any problems you may have to face easier to manage and you may even be able to negotiate some discounts by having all your policies with one company.

Larry Hines is the owner of Sun Pacific Insurance Brokers, Inc. and Members Pacific Insurance Brokers. He has helped thousands of California clients find the lowest rates available and the best insurance plans to protect their families, homes and cars for decades.

Sun Pacific Insurance

Tags: Added, Business, Coverage, Insurance, Umbrella

Source: http://business-insurance.creidtcardapp.com/umbrella-business-insurance-why-it-pays-to-have-added-coverage/

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To Go Or Not To Go Fsbo - Stock Market Today

Many people tend to think that by hiring a real estate agent, they are losing out on money that they could have saved if they sold their own home. This has probably as much truth to it as the existence of Sasquatch. It happens all too often ? people posting that ?For Sale? sign on their front yards, in hopes of somebody showing some interest. Fat chance somebody, or ANYBODY for that matter shows interest within a reasonable amount of time!

Blood-sucking leeches ? too often, people think this way about the average, everyday real estate agent. Sure, agents may earn a commission off every property sale that they broker, but the bottom line is, real estate professionals, emphasis on the last word, have it clearly on their JD that they must help their clients in every way possible ? and they do, in the bowdlerized words of maligned NFL quarterback Derek Anderson, take this stuff seriously. What this translates to, is the ability of the real estate agent to tap into sales and marketing channels that the average home owner or purchaser could not use.

People who buy or sell properties do not have access to the multiple listing service, weekly advertisements in major news outlets (paper, television and radio), and an extended lead network that provides fresh referrals. The FSBO only has access to newspaper and sometimes magazine ads and positive word of mouth ? nothing more.

What?s more persuasive and readily accessible to an immediate buyer?

Really, there are so many for sale by owners who discredit themselves inadvertently by insisting, quite emphatically at that, ?I?ll do it myself, no need for help.? A FSBO would be better off utilizing the wide range of available resources he or she has, instead of working independently. These are resources that are normally handled by a skillful knowing and accommodating real estate agent.

So how does a fsbo find the right agent? Simple ? go ask your friends, family, coworkers, even the random hobo on the street (who might have had a home once) about reliable real estate brokers. There has to be more than just a whit of research done, a whole lot of due diligence, in fact, when separating the wheat from the chaff and choosing the most reliable agency and the specific agent for the FSBO to use. It doesn?t matter if it?s a he or a she, old or young, New Yorker or Angeleno, fellow American or quirky Brit. What matters is how well they can sell, and you would want to ask them questions, such as the number of sales facilitated in the previous month. Are there any particular quirks in the agent?s game plan that he/she could use to his/her advantage, and what?s on the playbook anyway? ? find this out. And most of all, determine how much of a personality they have. Determination and personality go a long way!

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Source: http://nasdaqtradingmarket.com/2012/02/20/to-go-or-not-to-go-fsbo/

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2/19/2012 NVC 11AM Service - Living Love through Relationships ...

Today: Living Love through Relationships
Speaker: Rev. Michelle Medrano

The search for the perfect relationship is a big part of our longing as humans. Not only the do we search for the perfect romantic partner, but the perfect boss, friend, family member consumes our desires. Indeed much of our angst is about when a relationship is not the way we want it to be. Today we explore some of the themes of this angst and how to release it.

Source: http://www.nvclive.org/2012/02/2192012-nvc-11am-service-living-love-through-relationships/

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All The World?s A Stage, But It Ain?t No Sitcom Out There (Balloon Juice)

Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories News, RSS and RSS Feed via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/202390852?client_source=feed&format=rss

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Monday, February 20, 2012

Selling Your Home ? Home Improvements Ideas to make it Simpler ...

Are you planning to finish some home improvement projects to help increase the value of your home? If you want to sell your home (or have plans to sell it soon) you should do everything you can to increase its attractiveness to buyers. This is a lot harder than it sounds, though, because some of the improvements you want to make are expensive and others could send the wrong message to buyers.

In many cases, painting your home is the easiest and most sensible home improvement project you can undertake. If your house hasn?t been painted in a while, it probably won?t look all that bad for you. When it has a fresh coat of paint on it, the impression it makes on buyers is going to be a lot better. The exterior of your house deserves most of your focus but you might think about painting the interior of the house as well. Choose colors that are neutral as those are the least likely to turn off potential buyers. If you want the best possible paint job, it?s a good idea to hire a professional painter rather than do the job yourself.

It is important to make sure that you don?t make improvements that will only reflect your own tastes?particularly if your taste is what most would consider unusual. If, for example, you really enjoy the styles displayed in feudal Japan or Victorian England, that is okay but try to remember that not everybody is going to share that taste.

When you are strictly sticking to a certain style of decorating you could severely limit the appeal of your home. If you are trying to sell your home, you need to keep its style as neutral as you possibly can. The same is true if you have the urge to paint your home in really bright or unconventional colors or patterns. It is important to make your home as attractive to as many potential buyers as you can.

The kitchen is one of the most important rooms in any home, so you want to make sure yours sends the right message. It is absolutely essential that your kitchen the perfectly clean and uncluttered every time a prospective buyer shows up. It is important to represent your kitchen as being new which means you may have to purchase brand-new appliances and cabinets to present this overall effect. It is important to do what you can, but not do too much or go over budget. If you do too many repairs, and replace too many items, it might look too pricey for their budget and they may back out. You should take care of your bathroom too. Your bathroom, and kitchen, simply need to be above average and represent your home in a manner that will want to make your perspective buyers buy.

It makes a lot of sense to make sure that your house is in the absolute best condition it can be in when you want to show it to potential buyers. You don?t want them to have to imagine how it will look when it?s been cleaned up, painted or had essential repairs done. Most buyers want the house to be as close to perfect as possible. At the same time, take the above guidelines into consideration before undertaking any home improvement projects.

Should you fancy extra points on stock picks there?s plenty of information not covered in this article, go to Author?s blog to discover added information.

Source: http://clubpenguin.back2backgames.com/?p=100396

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AP Exclusive: al-Qaida links with SE Asia fraying

(AP) ? A top Indonesian terror suspect captured in the Pakistani town where Osama bin Laden was later killed insists he was unaware of the al-Qaida leader's presence there, according to the video of his interrogation obtained by The Associated Press.

Alleged master bomb maker Umar Patek also described his frustration in re-establishing militant ties in his quest to go to Afghanistan and fight American soldiers. After flying on his own to Pakistan, he waited there for months before a years-old militant contact finally came for him.

His remarks, if true, would further bolster evidence that Southeast Asia's Jemaah Islamiyah terrorist movement, responsible for the 2002 Bali nightclub bombings, is now largely cut off from its long-standing al-Qaida sponsorship, thanks in part to a relentless crackdown that has largely decimated their ranks.

Patek, whose trial resumes Monday in Jakarta for his alleged role in the Bali bombings that killed more than 200, was one of the last few remaining ranking Jemaah Islamiyah militants still on the run when Pakistani intelligence agents arrested him a year ago in the northwestern town of Abbottabad.

Although Jemaah Islamiyah is past its prime it is not vanquished, said Sidney Jones, a noted terrorism analyst from the International Crisis Group.

"Islamist radical groups in Southeast Asia, particularly those in the Philippines, Indonesia, Malaysia have been damaged but they are still dangerous," she told the AP.

"They can stand their own ground. They are not linked to al-Qaida in any traditional way, but we have seen new waves of groups ? to which al-Qaida is not connected at all ? emerge and become more of a threat in Indonesia," she said. "However, the Indonesian police in particular is managing the threat very well."

Four months after Patek's arrest, U.S. Navy SEALS flew into Abbottabad and killed bin Laden.

Patek's arrest from a safe house so close to bin Laden's hide-out initially triggered speculation the terrorist leaders of al-Qaida and Jemaah Islamiyah in Southeast Asia were more connected that had been thought. Some Indonesian government officials had also hinted at a link.

U.S. and Pakistani officials said that Patek's presence in Abbottabad was a coincidence ? and Patek's own words seem to support that view.

The 30-minute video of the interrogation by Indonesian police in September on his return home shows the 45-year-old insisting he was in Pakistan on a personal mission to go to Afghanistan with his wife and conduct jihad there.

A smiling Patek, dressed in a white robe and a gold-white striped skull cap, says in the video: "This was a personal mission of mine to journey to Afghanistan. No one ordered me to, and I wasn't out to build a new network."

"It was pure coincidence that I was in the same town as Osama bin Laden ... It had to be God's will."

"All the time I was there, I stayed inside the house. In fact, I never left my room," said Patek, who is accused of making the massive car bomb that struck two nightclubs on Bali's famous Kuta beach, killing 202 people, mostly tourists.

Patek admitted to building the bomb during an earlier interrogation in Pakistan immediately after his arrest. He could face death by firing squad if convicted of various terrorism-related charges.

A top intelligence official in the Philippines cautioned that it was too early to conclude that Patek did not plan to hook up with bin Laden in Pakistan, given that only al-Qaida had the resources Patek needed to pursue plans of setting up a new militant training camp, as he was suspected of seeking to do.

The official noted that most captured terrorists try to mislead investigators to protect themselves, their comrades and future plots.

Patek had shown intense passion for jihad, or holy war, in his homeland and in the southern Philippines, and it was strange that he would suddenly decide to go to an unfamiliar destination like Afghanistan, said the official, who was closely associated with the manhunt for Patek.

The official spoke on condition of anonymity because of a lack of authority to talk to reporters

Just before the 2002 bombings, Patek left Bali and went to a Muslim-dominated region of southern Philippines.

He told interrogators he came back several times from the Philippines to Indonesia to attend to family matters before deciding to travel to wage jihad in Afghanistan, flying first to Pakistan in August 2010.

"Some say I had fled ... that's not true. I never fled. I just migrated, merely to wage a holy war to help fellow Muslims who are oppressed in their lands ... in the Philippines and Palestine," Patek said in the video interrogation, this time with a straight face.

"If I knew how to go to Palestine, I might have gone there. But because I didn't know how, I (intended to go) to Afghanistan through Pakistan."

Patek told the interrogators that he wrote to a years-old email contact of a Pakistani militant named Badar, whom he apparently had never met, asking for help to go to Afghanistan.

Relying on such an old contact suggests Patek had been unable to forge any new jihadist ties in recent years. It was a far cry from the early 2000s, when Jemaah Islamiyah was believed to have received funding and operational support from al-Qaida, and some JI leaders were believed to have close relations with al-Qaida leaders from their days in militant training camps in Afghanistan.

He'd originally gotten Badar's email address by his fellow radical, Imam Samudra, one of the masterminds of the Bali bombings, when both were in the Philippines. Samudra was convicted and executed in late 2008.

Patek said approached a Pakistani shopkeeper, Nadeem Akhtar, who helped him get a Pakistani business visa through his connections in the embassy in Jakarta.

Akhtar was deported from Indonesia on August 27, 2010, for overstaying his visa. Three days later, Patek and his Filipino wife followed, using forged passports and stayed in Akhtar's house for two months. He later moved to the town of Multan to learn honey production and also got a visa extension for another three months.

During his five month stay in Pakistan, Patek said, he didn't do anything except trade in honey while waiting for his militant contact, Badar, who finally came to pick him up from Multan.

Badar and another man who identified himself as Haidar, took Patek and his wife to Abbottabad in January 2011, he said. It is unclear which of Pakistan's Islamist militant groups Badar and Haidar were part of.

They stayed in Haidar's parents' house in a room on the upper floor while waiting for the next stage of their journey to Afghanistan.

Nine days later, a squad of heavily armed Pakistani intelligence agents raided the house and captured Patek after shooting him in the thigh.

___

AP reporters Jim Gomez in Manila and Chris Brummitt in Islamabad contributed to this report.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/cae69a7523db45408eeb2b3a98c0c9c5/Article_2012-02-19-AS-Indonesia-Militant's-Journey/id-bf6a7a6fb6444d119bb91e6e37890698

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'Colbert Report' to return Monday after absence

(AP) ? A representative for Stephen Colbert says "The Colbert Report" will return Monday after a sudden break due to the ailing health of the star's mother.

The Comedy Central show last week substituted repeats for scheduled shows on Wednesday and Thursday. At the time, the network said only that the cancellations were because of "unforeseen circumstances."

Colbert is expected to address his absence on Monday. His 91-year-old mother, Lorna Colbert, is ill.

Earlier on Twitter, Colbert thanked those who had offered "thoughts and prayers."

Colbert's father, James Colbert, and two of his brothers were killed in an airplane crash in 1974.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/f70471f764144b2fab526d39972d37b3/Article_2012-02-19-TV-Colbert%20Report/id-4a91b6d990d34ec8b46a3fc8ec20bbe1

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