Motor Traders Need Specialist Insurance

A bump here and a scrape there may not seem like the worst thing in the world, but when it comes to footing the bill to get these minor eventualities fixed, then it is a totally different story. While you want to move the vehicle on to a potential buyer, not many people are going to be too thrilled if they find that there is damage to it while it has been in your possession.

This is where having a good insurance policy can prove to be a godsend, as not only will it be able to fix the initial problem, but you will also be able to sell the vehicle once it get back from the garage.

The first thing to consider is what eventuality you need to have covered for your specific requirements. Many insurers will offer motor trade insurance in a range of different factors which will take into account the value of the car, what make it is and also your individual circumstances. The latter will include whether you are working for a major company or if you are simply a part-time motor trader that requires the cover policy for their own specific.

Insurers usually offer the protection over three different areas which are road risk only motor trade insurance, liability motor trade insurance and combined motor trade insurance. For those who are looking to safeguard against every form of eventuality should seriously consider the combined policy as this will offer you a comprehensive package for all your needs.

The combined cover ensures that you are protected in any form of action that includes money, liabilities, vehicles, tools and pretty much anything else you can think of. It is ideal for those who want their business extensively protected and also recognises a business premises as well as your home as a place of work so you can be flexible about where you conduct your company’s operations.

However, this level of cover may not be for you, and if not, you may want to look into liability motor trade insurance. This is specifically designed for those of you who have members of the public on your premises at any given time. Also with this level of protection it gives sufficient cover for when you are employing members of staff and will safeguard against any eventuality that should happen.

The road risk insurance policy covers a number of different circumstances with the third party only part being the most prevalent. This is needed when you are going to be driving a customer’s vehicle, perhaps when they have brought it in to be sold on. The law states that this type is needed for any motor trader that is looking to carry out a number of actions including buying and selling vehicles for profit or should restore or repair a car.

Insurance is a major aspect for any motor trader so don’t delay and make sure you seek out a quote.

A Removal Company After Your Own Heart

It’s that time again-moving time! Headaches abound, screaming and frustration ensues. You aren’t sure if you’re going or coming, and if you are, chance is that you won’t be for long. You can be organized, clever, and have enough containers to stock Tupperware warehouses, but in most cases, that’s the exact opposite of your situation. In most cases, you’re surprised you finally make it once you get there.

Which is why hiring a removal company can come in handy. For example, say that you’re less than gifted at packing…maybe your Christmas gifts look pre-opened or maybe your containers just refuse to close and you’ve surrounded them with rolls of tape, praying they didn’t bust open during the trip. In most cases, a removal company will pack for you. Now, keep in mind that it will cost you. But it can also be rather beneficial and can help you to keep everything much more organized.

Don’t forget the actual moving services. This can help you so much! Especially if you have arthritis or a bad back or are getting up on age or are alone: you shouldn’t be moving things in these cases-it just isn’t safe and you have no business getting hurt.

But where do you choose a removal company? Surely there’s a way of picking one?

First of all, ask your friends. If they have any recommendations, keep them in mind. Compile a small list. Then, Google them.

Google may sound a bit tacky, but it’s actually a quick, easy way to search for reviews. Make sure that you are searching the right company (there are times when you go to check on a company and then discover that it’s a different company of the same kind) and check the reviews. You should be looking for:

1. Safety. If they aren’t safe, then you need to discard them. True, one employee might have made a mistake. It does happen. But, if an offense occurs over and over and over again, you need to completely toss that company out the window, so to speak.

2. Reputation. If you see more than ten bad reviews in a row, you need to seriously reconsider that project. It’s one of those cases where it goes to show-and especially if they have a recurring problem.

3. No thieves. If there are repeated cases where someone mentions workers pocketing items or searching through boxes (without instruction or if they aren’t packing), then you need to be wary or throw them away. You don’t have time to deal with removal companies that will steal your money and your valuables. This sort of falls under reputation, but, at the same time, you have to make sure that you put forth a bit of extra effort to watch out for things like this.

4. Scams. If you see ridiculously low prices or you notice many reviews that mention the company being a scam, avoid them. It doesn’t matter if they look like they have the best removal company reviews ever-they could be written by the scammers!

Things I Have Learnt About Prospecting and Cold Calling in Commercial Real Estate

In any real estate market and economy, the prospecting process remains fundamentally important to the success of the real estate agent and individual salesperson. Prospecting on a daily basis is the key to progress and success with both territory control and domination.

Here are some key facts that I have learned from prospecting and cold calling over the years:

  1. Most people working in the industry rank very poorly when it comes to prospecting on a regular basis. This is a significant opportunity for those that get their prospecting model under control.
  2. Face to face contact remains the ultimate conversion factor when it comes to prospecting. Everything you do should point towards a successful introductory meeting with the qualified parties.
  3. The telephone is a very powerful tool for creating meetings and contact with the right people. The cold calling process you use must be consistent and professional. Gone are the days of sleazy sales pitches.
  4. One of the more successful traditional methods of marketing that has been around for years is the signboard. The more signboards you get into your territory, the more momentum and ease you will have with building listing and sales opportunity. The signboard infers that you have market presence and domination. That is what the local community and property investors think, providing you have a good number of signboards placed on quality property throughout the area.
  5. E-mail marketing and database use is now critical to both the individual salesperson and the real estate agency office. It remains a tool of constant contact of relevant property information to qualified prospects. These are people that already know you and expect information and property updates from time to time. Growing and shaping the database each day from personal contact across the sales team is fundamental to progress and market share.
  6. Some less experienced salespeople tend to rely on E mail as the first and final point of contact. The process of Email is convenient and easy to use, however it has little benefit in prospecting and will not replace the benefit of one to one contact. If the prospect does not respond to the Email, a typical salesperson will usually discard and forget the prospect. The reality of the prospecting emails that you send is that most of them are deleted and discarded.

Prospecting for commercial real estate listing opportunity should be based around unique and personal contact. The more that local people know you personally as a professional and knowledgeable real estate expert, the more listings you will achieve. This image and mantle takes time to develop but it will occur through diligent personal contact.

Real Estate Services – Business Immune To Internet?

Real estate services business is one of those verticals with an overwhelming number of websites. There are thousands of websites with apartments and villa listings. But does it really mean that this internet model of business generate a proportionate amount of revenue? Well, not really!

By many ways real estate services is one of those businesses that are ideally suited for a net based model. On one side you have a seller who wants to sell his property and other side you have a buyer who wants to buy a similar property. The seller lists the property for sale on a website. Prospective buyers finds it on the site and if found suitable, the buyer and seller come to an agreement for sale. No searching for agent, no commission. It all looks so simple. But it seldom happens that way.

The sale of a property incurs an agent commission of 2.5 to 6% (depending on your country, region, agreement with agent etc) of the sale price. The above described scenario means only a small listing fee to be spent by the seller. Consider the online recruitment business where a similar situation exists. It has done very well unlike real estate websites and sites like monster.com and hotjobs.com have a high brand recall. But a similar success is not found for real estate services websites. Spare a few like loopnet.com and costar.com which has found success in the commercial real estate sector. The truth of the matter is that the real estate multiple listing service (MLS) and agents tightly guard the seller data and other information. However, some other reasons also exist.

A real estate listing, unlike a job listing, needs to provide more information to look credible for the buyer. Collecting the required data, pictures of the property, (even videos some times) recent sales data, above all removing outdated data from the database, all this needs money to be spent.

Not all those who buy and sell property are negotiators. The agent claims to be one and normally takes such a role. But on most cases, they just make both the buyer and seller feel good about the deal. Both parties feel they negotiated and got the best deal. Also, not everybody wants to publicize that their property is up for sale, especially for commercial properties. An agent is entrusted to find buyers for the property.

There can be a solution for most of these issues. A real estate website can still provide the first level of information to seller. At least it can narrow down the search to a few properties of ones choice. With a little effort one can get additional information necessary for deciding the suitability of that property against your requirements and budget. As for confidential listing of property, this can be incorporated in a website. For example, KeralaListings.com a property marketing company hides the seller data and other traceable information from a property listing if tagged ‘confidential’ by the seller. This listing appears in search results for the given parameters and the prospective buyer can email the seller of his interest in the property.

As real estate websites adopt steps, to provide information which is updated and verified, this business model will gradually pick up. Though the cost of maintaining such sites is slightly more, this should gradually increase public trust on this model. Even with all this, the cost of property transaction can reduced considerably. Not to mention about the time saved for finding a property.

Tips To A Cheap Bathroom Remodeling

Most homeowners think of remodeling their bedroom and bathroom at least every year but they neglect to see the importance of remodeling a bathroom. This part of the house is most likely to be neglected even if it is one of the most important room in the house. The bathroom is the only place wherein homeowners get to clean themselves not only that but the bathroom can be a solitary place wherein one can relax and get cozy after a hard day’s work or after a stressful day with the kids. So, why neglect this part of the house? If you plan to remodel your house but do not have enough budget to include the bathroom do not worry because you can still remodel your bathroom even if you are tight on budget.

Those who have smaller bathroom are lucky because it is easier to remodel smaller bathroom compared to larger bathrooms. The only problem with smaller bathrooms when remodeling is the trick in making the room look larger than it actually appears. The good news about remodeling smaller bathrooms? it cost less compared to giving a larger and luxurious bathroom a facelift. Here are simple tips on how to maximize your small amount of money so that it will go a long way in bathroom remodeling:

-Know what you want in a bathroom. Know if you want a powder room, a sauna room/bathroom, bathroom in a dressing room or a full bath. Big or small bathroom these two need almost the same thing: you need to take into consideration the type of flooring you want to have, ventilation of the room (this would include the exhaust fan as well as the windows), decide on the type of bathroom cabinetry you would want to bring in the bathroom and other bathroom furnishings. A tip for those homeowners who have smaller bathrooms is to use furniture or furnishings that are either multi-functional or that can be hang on the wall to maximize the space.

-Remodel the bathroom yourself. If you do the job yourself you can save almost 50% of the total amount from the expenses. Research through magazine and online articles on tips on how to remodel a bathroom. If you are unsure about the task you can do the easy ones like the demolition, flooring and painting and you can hire a pro to do the rest of the job.

10 Shopping Tips – Fashionable Finds Are Possible For Under $25!

When it comes to shopping sometimes the $20 sandals flatter you more than the $400 designer sandals. Style is not in the price, but in your approach. You can get more for less if you are savvy about your shopping. Fashionable finds are possible for under $25. How do you do it? Here are 10 Tips to think about when you’re out on a shopping expedition:

1. You Can Find Deals in Unexpected Places.

I got a purse for a steal at a Nine West shoe store in New Jersey. Not a shop I would normally think of to buy a purse. But I spotted it in the front window and fell in love. (Although maybe not as deeply as with my husband.) When I went into the store to ask a sales clerk about it, I thought this gorgeous tan satchel would be expensive. It looks like something that would be appropriate in Grace Kelly’s or Audrey Hepburn’s wardrobe closet. But now it’s in my closet.

2. Set Your Budget and Stick with It.

Yes, you’ve probably heard this before. However, forced to work within a box, you will come up with creative ideas. One year for Christmas, I set a working budget of $25 each for my nieces and nephew. Instead of getting them each one gift, I got them a number of small funky gifts and they each had 3 presents to open. It made opening gifts more exciting for them.

3. Read fashion magazines to get an idea of the trends.

Many clothing companies with budget-happy fashion lines will replicate the “look” or “feel” of pricey designer fashion. I read everything from New York magazine and the NY Times Fashion to Vogue, Elle and fashion catalogs to see what’s happening out in the fashion world. Go to your nearest public library and those fashion mags are FREE! If you learn what is cutting edge then believe me you will find cheaper versions of the trends. Or you will learn how to put an outfit together in your own expressive way.

4. You can find reasonably priced gifts at even the most expensive stores.

For example when I go online to Saks Fifth Avenue I can look under the gift category “Under $50.” Today for “$25 and under” I find: a Kate Spade notecard set, a hip style book on Dolce and Gabbana and Fresh waterlily soap—all would make lovely gifts. The price is so reasonable for the soap you could even include a little something else so that the recipient has another gift to open–always more fun. Go to a pricey chocolate shop. Then buy the smallest, but always tasteful box, sometimes under $15. Put it in a nice gift bag with the heavenly scented waterlily soap. Your gift card can read: “You deserve a little elegance in your life.” What friend wouldn’t be flattered.

5. Be open to new opportunities.

When I travel to new cities I like to explore new shops. I usually end up in the artsy section of town. To me that means galleries, museums, maybe a university–and fun shopping. I collect business cards of the stores I love and make notes or take pictures of what they have so I can call them and order from them later. If a town has a college or university it has plenty of stores with low prices to satisfy the students. And me too.

6. Know your own style.

Allow your self the luxury of an expensive item that you just can’t pass on. Especially if it defines “YOU.” Find deals for other purchases. I coveted a $99 sweater from J.Crew, but then I bought a purse for only $20 for a wedding. You can justify the expensive purchase. The sweater will last for years, amortizing into less money. If I wear the sweater often, cost-wise it pays for itself, while the wedding purse I might only use that one time.

7. Accessories are inexpensive ways to refashion the look of your outfit.

An $8.00 leopard print scarf I bought at H&M compliments my chartreuse cardigan, jeans and black boots. It’s a dressy-casual look that suits my style. And the scarf goes just as well with a knit purple dress and heels. A few strategically picked accessories means less outfits to buy.

8. Consider buying your purchases in the months they are traditionally on sale.

If you’re not in a rush to buy new towels then why not wait until January or August. Or if you thinking of painting your bedroom Robin Egg blue, that paint will be cheaper in April.

9. Sign up for email blasts from your favorite stores.

Stores will alert you to their sales and often give email subscribers exclusive discounts. You will learn about sales before the average customer. Then instead of spending a fortune on the skirt you admired earlier in the season you can scoop it up at a bargain.

10. Shop from your home and comparison shop online.

Yeah, why not. Shop in your pjs, my favorite way to shop. What do you think?

Car Rental Deals – Why People Like Car Rental Deals

I know that you can relate when I say that I love to get a good deal on something. It shouldn’t take a lot of explaining why car rental deals are some of the most important things that you can partake in when shopping for a rental car. Some people will go to great lengths to find the best car rental deals that they can while others will be more willing to pay the advertised normal price. But did you know that you can just type in the name of the company you are looking for followed by the word coupon and you can find a better price. That is just one of the ways that you can get easy and cheap car rental deals.

There are many other techniques that one can use to get good car rental deals, one little known fact is just ask the company what deals they are offering at the time. A lot of agencies will have a special if you are willing to rent the car for a week, or if you are only going to have it for the weekend. Prices can vary and change depending upon the holiday season or during peak times in the summer, one can really never know how much it is going to cost to rent a car but you can also try to get the best car rental deals.

Don’t get discouraged when one company offers you a high price for a car, there are always more options than you could believe when you look for that perfect rental car for you. You also have to make a choice between two different options, let’s say for example you are on a very tight budget and you just want get the cheapest car possible than you may want to rent an economy style car and try to get the best possible deal on it, but on the other hand you also have the option of getting car rental deals in another way. You could go to an agency and request for a luxury vehicle at the price of a budget or hybrid style vehicle. You would be surprised at how many companies or agencies would be willing to make this switch simply if you ask. They may be having a special and would never have told you about it if you didn’t ask, who would have guessed?

Regardless of what deals or techniques you go after everyone and their moms love good deals so don’t let yourself charge full price for anything that you can get at a discount! I know you would rather have a luxury car instead of a budget car and drive in style, or maybe you just want to get a budget style car even cheaper than they say it is. The most important thing to learn is don’t be afraid to ask, there are many options out there when dealing with rental car deals!

Better To Choose Electric Cigarette(elektronines cigaretes)

Since they were launched, also to learn, you will find the reactions on the shared electronic cigarettes(sigaretta elettronica). You can find a number of people who believe that they are not strong, but much remains to be convinced that they can meet the requirements that can be made until the end. One of the reasons individuals are normally act to facilitate the use of tobacco end. Other than traditional cigarettes(cigarro), tobacco does not work with non-smokers of cigarette. As a result, they are able to produce the positive aspects of welfare services. They are the welfare gains that the persons specifically referred to them are less dangerous than smoking cigarettes(cigarette electronique) that produce and relieve any type of cancer when used. In addition, these residents to help the environment, which in turn reduces pollution.

These electronic cigarette (sigaretta elettronica) contains no tobacco, and then burn the cancer usually does not develop products. They can, therefore, without risk of smoke and indoor smoking was not to think about long ostracized accurate anti-smoking laws. You can pretty much smoking near the mall, and not smoking, as the byproduct of the electronic cigarette is a drinking water vapor. How does it work? It ‘really a brilliant concept, which uses a battery atomizer and the cartridge is composed of water vapor, flavor and varied amounts of nicotine. Inhalation is the electronic cigarette(sigarette elettroniche) activates the rechargeable lithium battery, and this activates the nebulizer, which releases water vapor filled with varying degrees of nicotine.

You will be able to get just a starter kit, consisting of the sprayer, rechargeable battery, battery charger and cartridges of nicotine. For those looking to reduce their nicotine intake or trying to quit smoking, a number of strengths of the cartridges to wean her car out of regular cartridges more powerful. On the other hand, there is however an advantage over the welfare of the new devices mentioned can make use of snuff attract smokers. And who is willing to help users successfully quit using snuff. As the welfare of other positive aspects, is feasible because of the lack of snuff.

Due to the fact that handle more than the number of nicotine was sent to the user, produces a significant help to stop smoking. On the other hand, to obtain the electronic cigarette is not enough to really be able to quit smoking cigarettes. You have to find the best way to prove it, and would need to act, you should take.

* Identify and-fluid, which is necessary to exploit. What it is, and know the taste of nicotine, the amount you’re comfortable with. Nicotine through the place that you have identified, is gradually reduced until you can bear with smokeless cigarettes, nicotine, to zero.

* Knowing the best way to fill the device. If you are unable to fill their non-smoking cigarettes, you may be able to use it anytime and anywhere. It takes away from the temptation to take advantage of real cigarettes when you have the desire to smoke cigarettes.

* It would have been punished. Keep your eyes on your destination stop tobacco use. Stick to the program, gradually lowering down the seat around the nicotine-liquid, which can be used and the temptation to resume

How to Make $100 an Hour – The Simple Secret to Earning Great Money Online (Fast, Fun and Free!)

Who else is looking to build a business around doing something you truly love… while simultaneously earning a great living to boot? Are you motivated by contribution as much as cash? Progress as much as profit? If you truly feel a compelling craving to CREATE a community of passionate people who you can truly help succeed, you already have the very BEST business model in the world in mind.

The truth is, if you can coach, teach or train people in an area that you already excel, and simply share valuable information that helps makes their lives better, you’ve got 90% of the puzzle put together.

Where most people drop the ball?

In figuring out how to make a profit from their passion!

In my experience, people go through so many hoops and confuse themselves by making the simple… complex.

If you know what you love, and you are good at it, I don’t care if it’s cooking or credit repair, you CAN make a great business doing what you really enjoy.

Here is the secret:

Making great money as coach, consultant, teacher, trainer, mentor, marketer or PASSION professional is about math, as much as it is about marketing. You need a certain amount of people to be exposed to your ideas, authority and expertise for each income goal you set, and there is really NOTHING more to it than that.

Let’s say you want to earn $150 an hour and you want to work 4 hours a day… 4 days a week.

That is $2400 a week, and while that may SOUND like a lot of money, in this business… as you probably already know, it really isn’t.

The truth is, you only need 16 coaching clients to pay you your hourly goal to hit that number.

Or – 8 who meet with you for 2 hours a week.

Or better yet, while this MAY sound difficult to believe, getting 3 or 4 premium priced clients who pay you several thousand dollars each for higher end coaching or consulting over the course of the month.

Remember, in the real world… a hairdresser, or karate teacher, or computer tech is going to earn 60-80 dollars on average for one client, meeting them in a LOCAL community.

With the WORLD as your stage, why shouldn’t you be able to get at least that much, if not double… if you are really good at what you do… and can literally work from people in every state, and every country in the world?

Here is my basic formula:

I write articles like this one 2 or 3 hours a day.

I force myself to write at a fast clip – 1 4-500 word article every 20 minutes.

Every article I write, over it’s lifetime… generates about 20 visitors to my website.

About a third of those will sign up for my list.

That means, on average (and on the low side) every hour I create content about 18 people join my community.

If I can convert 5% of my community (meaning 95% will buy nothing) to spend $150 with me at some point now or in the future… every hour, mas o menus, I’m creating about 1 new client worth about $150 to my business.

It’s truly about MATH, and not marketing.

The marketing is easy! (the math is the challenge)

Of course, where you can REALLY make a killing is scaling the above with ads, offers, and leveraging the viral nature of the web to get your marketing message out to more people… and using the very same approach on a larger level… building your brand, your blog, your business and your bank account to boot!

The Role of Neurons in Substance Abuse

Addiction is a neurological disease and any attempt to define it otherwise can be met with compelling evidence. In fact, the nature of the disease of addiction is almost entirely based upon functions that occur within nerve cells and the circuits they are wired in. Understanding the role neurons play in substance abuse won’t help an addict get clean directly, but it will foster an environment of understanding that can help to mitigate and improve the serious public health threat of substance abuse.

What is a Nerve Cell?

There are billions – perhaps trillions – of nerve cells in the brain. Some scientists theorize there are so many nerve cells because in the event of their death or alteration, these cells are not regenerated and therefore we require a surplus of them. And because their functions are so critical, nerve cells are found in abundance in every area of the brain.

Nerve cells – also called neurons – have many different functions, but overall these functions are primarily communication-related. Neurons communicate by sending and receiving signals to other neurons and nerve circuits, to glands and other hormone-related organs, to muscle cells and other parts of the central nervous system.

Neurons are arranged in circuits, though individual nerve cells do not physically touch. Instead, they float freely within the circuit.

The Individual Parts of Nerve Cells/Neurons

A neuron has 4 primary components;

1. Cell Body: the actual body of the nerve cell

2. Dendrites: dendrites branch out from the top of the nerve cell body

3. Axon: the axon is a long “cord” that extends from the bottom of the cell body

4. Terminals: the terminals branch out from the end of the axon

What Happens During Drug Use

When drugs enter the bloodstream, a signal is sent that excites certain dendrites in a nerve circuit. This signal is processed by the cell body, which in turn then sends instructions about the signal down through the axon. The axon conveys the signal and a neurotransmitter – often dopamine – is released by the terminals.

The neurotransmitter settles into the small gap between individual neurons – called the synaptic gap – and binds with receptors found in the dendrites of connected nerve cells. This causes the user to feel a euphoric sensation or “high.” When drugs like cocaine, heroin or meth interfere with this process, the neurotransmitter is not reabsorbed correctly by the terminals, resulting in neurotransmitter saturation. This causes the high to last for an extended period of time, whereas a Uncategorized release of a transmitter like dopamine normally causes a mildly pleasant feeling that quickly dissipates.

How the Brain Corrects the Imbalance

Because drug use is essentially a chemical invasion of the brain, the central nervous system will seek to control the effects of the substance. This is accomplished through a process called drug tolerance, whereby users find it increasingly more difficult to get high.

Tolerance develops when changes are made to the way receptors bind with neurotransmitters, or when other processes in the nerve circuit are altered in order to reduce or eliminate the effects of the foreign substance. Unfortunately, this often means that the drug user will simply increase the dosage of drugs in order to overcome this growing tolerance. This is the beginning of the cycle of addiction.

Permanency of Changes

Changes made to receptors and nerve cells are not reversible. This means that the brain of a drug addict will have significantly changed by the time they stop using. Because these changes are largely permanent, they may cause the addict to feel differently than they did before they began using. Adjusting to these changes is the most difficult part of long term recovery from addiction or alcoholism.

The evidence shows that addiction is not an issue of morals or character; it has its roots literally in our brains and therefore deserves to be treated as the serious health concern that it is. This is why addiction can happen to anyone: we are all wired the same. The sooner we can understand this, the sooner we can begin to offer addicts the right treatment solutions, beginning with a grounded public perception of the neurological nature of addiction.