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Is Whole Life Insurance Investment a Worthy Investment

A whole life insurance investment is a relatively simple concept. You will be presented with a product that has a set premium and you will be paid the agreed upon amount of the death benefit at the end of the policy holders life. You will also have an investment component included in the policy. All money you contribute over and above the premium will be placed into a cash value account which is then invested on your behalf by the insurer.

Apart from providing you with cash value account and a guaranteed death benefit to leave to your heirs a whole life investment has some other features as well. You have the option to borrow against the cash value your policy or fully withdraw an amount if you have an emergency need for the funds available during the life of the policy.

The theory behind a whole life policy is that it will pay out set death benefit and a cash value to your beneficiaries all while you are guaranteed a set, unchanging premium for the life of the policy. It does more than this, though, when you consider the fact that all the money is tax free and/or tax deferred.

Because of this tax free feature you will have the ability to make a portfolio that can achieve a number of goals that you otherwise may not be able to. You can actually use the whole life policy to secure a smooth succession in the case of a family owned business or to protect your other assets.

You may be met with derision about your interest in a whole life insurance investment by detractors who say that it isnt a real investment because it isnt run like ones stocks, bonds, and mutual funds. While it may not grow that fast, it has the potential to a much safer long term investment since it is done in a safer manner that is designed to ensure your money keeps growing despite market ups and downs.

A whole life insurance investment policy is generally seen as a “savings asset” as opposed to an “investment asset” because your money is saved and grown in a much less aggressive fashion than regular stocks and bonds. With a whole life insurance policy your additional money will be placed into a savings account where it will accrue interest. You dont have to invest the money within this savings account, but you can do so if you wish to. The savings account on its own, though, will become a huge asset over time.

Is A Car Wash Franchise A ‘cash Flow’ Machine

The best answer to that question about a car wash franchise depends on your comfort level with taking risks. Every business has risks involved and car wash franchises are no different, however they do offer a unique opportunity in a cash business.

There are a few things you must consider before diving into the car wash franchise industry. The first decision is to decide what type of car wash franchise system you want to own. You have the option of a fully automated system that does all the work for you or you can choose to have a partially automated system that will require employees to finish the work. At first glance the fully automated one seems like the most logical choice but having more running equipment can mean more expensive things that break down and need fixing. Don’t forget that if your machines are down, cars aren’t getting washed and no money is coming in.

Choosing the right location for a car wash franchise is practically the most important thing you can do, and I’m talking more about cities than specific locations. Seattle rains about 300 days per year and people aren’t really interested in washing their cars there. On the flip side, sunny southern california barely has rain and people in socal really want to keep their car looking clean.

In talking about cash flow for a car wash franchise, one immediate hurdle is the initial franchise start up fee which ranges anywhere from $1,000 to $100,000. Typically they are in the $20,000 – $30,000 range. Some franchise fees are even non-refundable even if you decide to not buy the franchise. Make sure you find that out before you put any money down.

Another major cost of owning a car wash franchise is the royalty payments. They typically range from 3% – 6% of gross sales, not net profits. Some franchises have minimum monthly revenues no matter what happens in your business. So if you have some slow times or it rains 14 straight weekends in a row, you still gotta pay the minimum requirements.

Don’t forget that other typical car wash franchise expenses include equipment, signs, working capital, advertising fees, etc. Equipment could be anything from chemicals to car accessories to cash registers.

Bottom line is that owning a car wash franchise for cash flow is a proven business system as long as all factors are taken into consideration and smart business choices are made.

Tips To Make 18th Birthdays Special With Inexpensive Gifts

th birthdays are special because they mark the end of childhood and beginning of adulthood. Birthdays mean exciting gifts, which makes it all the more special. Now, if you are thinking of a gift for your daughter or son who turned 18 this year, you can look into the different funky, fun and appropriate inexpensive options online. You can now think beyond the generic 18th birthday presents and look forward to something interesting while browsing online.

You can personalize a particular gift item and make your child feel even more special on his 18th birthday. It is a good way to show the efforts you have put in while gifting them something special. Previously, cost of the personalized gift items used to be very high. However, with the growth of online shopping, price of such personalized gift items have gone down to a considerable extent due to competition among different websites. You can look for personalized calendars, mugs, t-shirts and different stuffs online. You can also order a personalized cake on his 18th birthday online and get it delivered to your desired address on time.

If you are thinking of meaningful gifting ideas that will be cherished by the girl or boy for the rest of her life, you can choose a photo frame and personalize it as well. You can look for a funny picture of you and your child and frame it.

A chocolate pizza can be an exciting as well as a mouth-watering gift idea for your child’s 18th birthday. You can top it with delicious range of toppings and present it in an authentic pizza box. The recipient will surely adore this original, creative and funny gift. If you have good culinary skills, you can opt for making a cake yourself as well. A giant sweet hamper can be an interesting 18th birthday present for your child. Even if your child turns 18, it remains a fact that he/she is innately a child inside. So, a giant box of sweets will surely go a long way to impress your kid.

If you are looking for some sensible gifting options, classic CD songs can be a good choice. It can be a compilation of some of the best songs from renowned singers to familiarize him/her to the musical world. So, if you are looking forward to making the 18th birthday special for your child, there are different presents that you can choose from. Look for reliable shopping sites online, where you can get interesting gifting ideas as well. When you are logged into a reputed site, you need not worry about timely delivery or quality of the products. It is a good way to welcome them to adulthood with a smiling face and interesting presents for the 18th birthday.

Erotic Photography Models—The Definition of Art

Most people agree that nude women are one of the best subjects when it comes to art such as photography and paintings. Most artists will agree that erotic photography models can be a great side line or hobby for women. This is primarily because girls are blessed with a sexy and figured body which is more eye catching than men. If you have been gifted with a passion for photography and painting, nude models can be one of the best subjects you can have. Many people are thinking about photography, including photographing erotic photography models. There are 3 principles about it which you should know if you are interested in engaging in this activity.

1.In this type of photo, you will be presenting a woman as an interesting form. There are lots of things you can do to make your photography interesting. You need to create it with a simple background and good picture quality. You need to be very careful in taking photos from various angles for you to come up with an achievable outlook.

2.Your subject may be anonymous—this type of photography is typically about the subject, erotic photography models are the main purpose of the photo. What is important is that the model is the main subject. If you want to be a good photographer, you need to learn more about these techniques in delivering various aspects of art using your camera and an erotic model. The women will be your sample when youve chosen the human body as a subject.

3.You should clearly relay on your audiences what you want to tell them—an erotic photo aims to arouse, stimulate or titillate its viewers. If you are into this type of photography, you should clearly let people know easily what you want them to feel. If you engage in nude photography alone, you can just make some interesting and sexy photos of your subject, but erotic photography can convey a different mood or feeling.

There are lots of types of photography, you should know them so you can easily tell your audiences what you want to, and here are some of them for your references:

a)Advertising photography
b)Aerial photography
c)Architectural photography
d)Astronomical photography
e)Black and white photography
f)Cityscape photography
g)Commercial photography
h)Concert photography
i)Digital photography
j)Equine photography
k)Family photography
l)Fine art nudity
m)Food photography
n)Macro photography
o)Nude photography
p)Erotic photography
q)Pet photography etc.

Nude and erotic photography is not hard to make but of course, you need to be very careful because your audiences might be confused with what you are trying to tell them. They may be confused with the erotic and nude scenes you will have. The best thing is to practice and share ideas – you can do all of this at Eroticphotolounge.com

Small Business Blog Tips That Can Make A Big Difference.

Blogs have revolutionized the way that people do business. It seems that all the big companies are making use of blogs to promote themselves and market their products. However, corporate blogs aren’t just for big companies. Blogs can also be utilized by small businesses with great effect.

Setting up a small business blog is easy and has many benefits. They are powerful promotional tools and a great way to communicate with clients.

Here are some tips on using a small business blog:

1. Write Naturally and Honestly

Small business blogs can be more personal than large corporate blogs. It’s best to write in way that feels natural to you. Avoid writing needlessly complex posts filled with technical jargon. Doing so will endear customers and promote conversation, which is what a blog is for, after all.

As with any blog, you must always tell the truth. Blogs should address all issues, be it good or bad. This will ultimately beneficial as it helps builds trust the customers.

2. Post often and Respond to Comments

Remember to post frequently. Provide readers with plenty of content, so that they will keep coming back to your blog.

Comments are a vital part of blogs, providing useful feedback. Respond to reader comments often to build strong ties between them and your company.

3. Promote your business, Promote yourself

A small business blog is an innovative way to promote a business.

A good technique is to document your projects. This is good way to show how capable you are at your profession and to garner trust. This is especially important with small business, where reputations can make a big difference.

Blogs allow for unparalleled interaction with customers. Use this to get closer to clients, and to build bonds of trust. The information gained from readers is invaluable for improving your small business.

4. Be Informed and Informative

Read plenty of other blogs to gain useful information. Post comments and promote your own blog. Be an active part of the blogosphere.

Post links of related information on your blog, and use technology like RSS/Atom feeds to constantly provide your blog with interesting content. This is a great way to promote your business and be informed of everything concerning you industry. Besides informing your readers, it can lead to interaction and possible collaborations with other businesses, all of which will benefit a small business.

5. Search Engines

For those who wish to achieve higher search engine rankings, a blog can be an invaluable asset. The constant updating combined with the right keywords can raise search engine results dramatically.

Commercial Property Finance Buy Property At Low Cost Funds

You wish to invest in a commercial property or acquire property for expending business, but own sources are insufficient or simply do not want to use them for their usages. This is where commercial property finance becomes instrumental in buying a commercial property. Hotels, motels, pubs, warehouses, nursing homes, shopsthere is a never ending list of property

Commercial property finance is essentially a secured finance as huge amount is at stake. The lender usually secure the finance offer by taking in possession the deal papers of the vary property the loan seeker intends to buy. The papers are returned back to the owner at the time of complete pay off the loan. The borrower meanwhile can use the property.

Interest rate on commercial property finance is kept lower which has enabled the aspirants in buying properties and the property business has been booming. But the rate of interest depends also on the type of the property. Lenders usually like to offer finance more for a property which is already generating income. This secures the loan even more and therefore lender may consider reducing interest rate further to keep the customer.

So you must be clear on the purpose of the loan. If you are buying a property or acquiring it, the lender may offer finance up to 80-90 percent of the property value. If refinance is the purpose then you can get additional cash from the value of the property. The lender clears the current mortgage note and balance amount is paid to the finance seeker. If getting finance for rebuilding real estate is the purpose, the lender will give finance on the base of completed property and its value.

Make sure that you choose right lender. While searching for the lender on websites see for the specialization of the lender. Usually lenders take particular field of property for finance offer so that they are focus and have a better understanding of its market aspects. If the lender knows your property well then he understands your financial needs better. He also understands the benefits and risks you are going to take in future. Your finance requirements may change from what they are at the time of finance deal. So the lender may be willing to offer you more finance in future if you choose the right one who understand your type of property.

Search extensively on internet for the different lenders of commercial property finance. Compare their interest rates and terms-conditions to arrive at suitable lender. Apply for the finance online for fast approval of the finance.

Commercial property finance offers opportunity in taking low cost finance for owning property for commercial purposes. Go for the finance after careful consideration of its different aspects.

Garden Accessories Great Gift Ideas

Nothing can be more perfect than staying outdoors and enjoying your garden view. For someone who can feel and appreciate the outdoor, a good garden accessory can be a great gift to these people, whom, may be a close family member or a good friend. You may find great garden accessories from many home and garden stores. Here are some items that you can try to check on first: It can range from simple loungers to a whole set of picnic tables or dining sets fit for outdoors.There’s a wide variety that you can choose from, may it a simple lounger to sets of picnic tables or other teak lounging sets. Perhaps, you good side table that will fit outdoors would be nice.

Garden Tool Set. A basket complete withe garden tool set can be a neat present. A green thumb is even better with the right tools used in the garden. A great looking gift box to hold everything will be perfect.

Garden Fountain Kits. Who doesn’t love the sound of water dripping and rushing? I don’t know about you, but I love the water’s sound too. It’s a great gift idea because everything that is needed for the fountain to start working is already all in one pack. Just set everything into place and now it’s good to go.

Wind Chimes and Bells. To sit outside and fee the wind on your skin and hear its sound can be the most perfect thing you can do after a busy week. You can place the chime at any good location in the garden where the breeze of air can sweep its aluminum tubing. Some chimes are specially designed to hold the notes of popular tones such as Sir Pachelbel’s Cannon or cound be the Gregorian’s Alto chant. There is a wide variety of chimes that you can choose from.

If you think these are worth buying, then you can even have one of your own. In the event that you need items that needs assembly such as furniture or other garden accessories, let the furniture assembly service professionals do the hard part for you and skip those confusing assembly directions.

A Small Business Generate Sales For Major Companies

After the current algorithm changes in Google, Yahoo and Bing in 2010, certain major search engine optimization and SEM businesses have encountered problems with getting their clients higher ranking on the local searches. On the other hand this problem opened the new doors for such companies, as they became familiar with the importance of outsourcing. While some of these companies continued to outsource theirSEOprojects on freelance marketplaces, a small company GoldenWayMedia in Trondheim, Norway helped many major SEO companies with their needs.

This small business is operated by a smart young Norwegian programmer, Maria Johnsen. With the fluency in seven languages and a smart technique of mathematical calculation, Maria Johnsen assisted many companies with their needs around the world. Maria Johnsen obtained top position for these companies keywords which generated more sales and as a result content clients. The smart technique in seo increased the number of more clients for SEO Norway at SEO and golden-way-media.com
This young Norwegian programmer was able to lift up many small businesses in countries such as: Russia, the United States of America, UK, France, Germany, Ukraine and Scandinavia. While some businesses search for SEOprogrammers in India, Romania and China.
SEO Norway Trondheim ( Golden Way Media) was able to slowly get certain small businesses around the world the top 3 positions for their keywords on Google, Yahoo and Bing and the other small search engines.

The increase of market demand in obtaining top position for the keywords on the organic search results has brought up more clients for golden-way-media.com and maria-johnsen.com

While many Scandinavian SEO and SEM companies were concentrated on outsourcing to India, Romania and China; some businesses in USA, UK, Ireland, France, Ukraine, Denmark, Sweden, Norway and Germany submitted their search engine optimization projects to Maria Johnsen.

According to our sources this young programmer, apply certain algorithm calculations that obtain the better visibility and top three position for the keywords on the search engines. The inexpensive pricing that Golden-way-media.com offers is another positive fact about SEO Norway

Although obtaining the top position for certain keywords are complex for some companies, certain companies such as SEO Norway on golden-way-media.com found it interesting and enjoyable to fulfil. I love to put smile on my clients face and see their businesses growing. Cost effectiveness is the most important factor for small businesses and my mission is to help them to increase their product visibility and as a result sales says Maria Johnsen

If you wish to market your product, you may wish to submit your project on golden-way-media.com You can also outsource your project on Globfreelance.com

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Books To Help Finance Your Projects After Film Courses

You are determined to become a filmmaker. You’ve already taken your first step: applying to film schools. In Canada and abroad, there are many choices. Your life feels ripe with possibility. But you have one fear that haunts you. You wonder if you will really have what it takes after graduation from film courses to make your dreams come true. You have plenty of ideas for movies, that’s for sure. But that doesn’t mean that you know how to finance one. Here are three book ideas to calm these kinds of fears, common amongst new applicants to film schools.

1. 43 Ways to Finance Your Feature Film by John W. Cones

In this book, entertainment lawyer John Cones shares his insider knowledge gleaned from almost two decades helping independent filmmakers navigate the multifaceted world of movie financing. Although the author is based in Los Angeles – where else? – the book includes a discussion of financing from countries other than the United States, and is, therefore, appropriate for new applicants to film schools in Canada and abroad.

This book may turn up on the curriculum of your film courses, but there’s no harm in beginning your research early. Reading on your own increases the likelihood that when you do finally graduate that you will have a firm grounding in such topics as:

industry financing (What is this? It is basically funding by your peers, i.e., other, more established graduates of film schools)
investor financing
lender financing

2. The Fundraising Houseparty: How to Get Charitable Donations From Individuals in a Houseparty Setting by Morrie Warshawski

Although this book could be of use to any kind of fundraiser, it is written with filmmakers in mind. The author explains how graduates of film schools can organize a compelling event, touching on such details as:

planning committees
invitations
food and drink
presentations
thank yous

Warshawski emphasizes the importance of graduates of film courses appealing to the emotions of their potential donors, something to which their craft, fortunately, is uniquely well suited. What is the role of film schools if not to teach students how to appeal to the emotions of their audience?

3. Shaking the Money Tree, 3rd Edition: The Art of Getting Grants and Donations for Film and Video, also by Morrie Warshawski

In this book, Warshawski tackles that topic of supreme interest to staff and students of film schools in Canada and abroad: how to write a winning grant application. This kind of knowledge can even help students in film schools finance their productions for film courses.

If you are anxiously awaiting a wave of fateful letters from films schools in Canada and elsewhere in the world, calm your nerves by advancing your studies on your own. Who knows, it may help you finance one of your film school’s productions once you finally do get that longed for acceptance letter!