Don’t Invalidate Fire Insurance

Don’t invalidate your fire insurance policy. I find this a very strange case but it just shows how important it is to read the small print as if you ignore the conditions of the policy your policy could be invalidated. In this case it was a condition of the FIRE insurance that the SECURITY Alarm … Continue reading “Don’t Invalidate Fire Insurance”

Don’t invalidate your fire insurance policy.

I find this a very strange case but it just shows how important it is to read the small print as if you ignore the conditions of the policy your policy could be invalidated.

In this case it was a condition of the FIRE insurance that the SECURITY Alarm was maintained and monitored. Times had been tough for the insured and he let the maintenance of the security alarm lapse and as the ARC had not been paid for 6 months they stopped monitoring the site.

Vandals broke in and set fire to the factory. It was a furniture company and they incurred losses of over £750,000.

The case went to the High Court, the judge had nothing but sympathy for the Directors of the Company and he took ‘no pleasure’ in ruling that as it was a condition of the combined insurance policy that alarm was to be monitored by an external firm, the Insurers did not have to meet the claim.

There are often conditions attached to the insurance policies we take out which relate directly to the risk. We need to make sure our cars have valid MOTs in order not to invalidate the policy. We are required to notify the insurance company if we get a speeding fine but, to my mind oddly, you do not have to tell them if you decide to do the Speed Awareness Course rather than pay the fine.

I have just come across a case, now in front of the insurance Ombudsman, where an insurance company voided the policy and returned all the premiums because the policy holder had unwittingly exceed the value of the ‘valuables’ within their contents insurance. They had insured the contents of their house for £60,000 but there was a clause stating that the value of the valuables should not exceed 66% of this.

They had to rush their daughter to hospital, and while they were out the thieves struck taking goods and damaging the property to the value of £70,000. When assessing the claim the loss adjusters calculated that the value if the valuables in the house exceeded £40,000. Normally claims would be ‘averaged’ to reflect the under insurance, but the insurance company in this case argued that the under insurance voided the policy. As I said this case is in front of the ombudsman as I write.

Back to case in hand where a fire insurance claim was dismissed as a security alarm and monitoring were allowed to lapse. Clients of ours run a hotel and there is someone on reception all the time so if the fire alarm is activated there was always someone on duty to respond. We came round to the time when the annual contract with the ARC [monitoring station] needed to be renewed. The Hotel Manger wanted to cancel it as it was considered an unnecessary expense. I said I agreed but asked him to check with his insurers to make sure they had no objections. The Insurers confirmed; monitoring was a condition of the policy.

Often with in the insurance policy there is a clause that the fire alarm is maintained in accordance with British Standards. It would be interesting to know whether a similar claim has been dismissed as the Fire Alarm has not been adequately maintained.

How the Little Guys Can Secure Business Loans

No matter how good of an idea or operation model you have, you cannot start an establishment without money. A lot of people struggle to get started simply because they cannot secure the funds to make their very real and concrete ideas a reality. Securing business loans is practically the only way for small, local shops to get off the ground. Since the economic crisis of 2008, the little guys have been having a hard time finding sufficient financial assistance. Banks and other financial institutions are wary of taking on risks after what happened in 2008. Still, there is hope. Let’s explore how you can go about getting financial backing so that you can get your shop up and running.

First, Make Sure You Can Meet Criteria That Banks and Other Institutions Want to See

As previously mentioned, the economic crisis of 2008 has made financial institutions wary of taking on risks and lending out money. If you want to succeed in securing money from these places, you need to ease their minds. They want to know exactly what the cash will be used for. Be sure that it will be used on something concrete and safe. They will not lend for speculative purposes or high-risk endeavors such as pyramid sales or investments. Show them a credible purpose for the cash, and you are on your way. They also want a very solid form of collateral. This generally is property, so make sure you really want the financing before you put up your home to secure it. Finally, you need to have good credit and character history. Business loans are typically not given to those with criminal records or poor credit. Banks consider these people to be high-risk and want to avoid them.

The Interview Process: Be Confident and Truthful

Once you ensure that you have the above criteria nailed down as solidly as you can, it is time to go to financial institutions and try to secure a loan. Business loans from the large banking players generally are not given to start-ups. This is due to the inherent risk that comes along with a start-up. If you are instead seeking cash for growth, you will probably have more success at one of the larger banking institutions than a start-up, but these institutions generally like working with other big corporate players where their money is safe. Visit the bank your personal accounts are in and talk to a professional. They will help you prepare for the process, and let you know if you qualify for their lending program. Do not be afraid to go to smaller community banks and credit unions. Believe it or not, the little guys are more willing to lend to the little guys. Business loans vary from institution to institution. You will be required to bring different information with you to each interview, but the credit history reports both for your operation and your personal life will always be required.

Besides these things, there is not much you can do except hope and see if one of the institutions will give you the money. If you can’t get cash, which will probably be the case for most start-ups, you should try to get financing from family members, use credit cards, or invest your savings into your idea.

Thinking Of Going On A Diet? How About A Papaya Diet?

Dieting can be very hard on the body when not done in the right manner. Not giving the body sufficient time to adjust through crash dieting does more harm than good. More often than not, people diet and lose all the excess weight only to find that the minute they return to their previous eating habits, all the weight is gained back. But all is not lost, thanks to the papaya diet. Who knew that something as simple as a papaya salad could help you out?

The papaya diet is considered to be a great option to option for all those people who are looking to shed a few pounds-especially those who are suffering from an inflamed abdomen. Though the fruit is sweet, the number of calories in papaya are minimal. When it comes to papaya, there is nothing to lose.

Steps

Step 1

Find a nice, fresh fruit. Make sure that the skin has no unwanted indentations. Drink a couple of litres of water in order to remove all the toxins from your body.

Step 2

You will need to begin your diet by going on a mono-fast for a couple of days. You will need to eat the fruit throughout the day, perhaps in the form of a papaya salad.

Step 3

Whenever you feel hungry, simply eat some more papaya. You may drink the papaya juice once in a while, but do not add sugar to it. This is to cleanse the toxins from your body, including the parasites. It helps in building stronger tissues, and also reduces inflammation. You may experience diarrhoea, but that is normal.

Step 4

After fasting, you can drink warm water with a little lemon in it. Follow this up with a papaya breakfast, maybe a papaya salad. Wait for approximately half an hour, after which you can slowly begin to consume soft food.

Step 5

Avoid processed sugar and flour during the time you keep dieting. You may drink papaya juice if you are looking for some variety. This is extremely important as papaya ensures that anything that has been accumulating in your intestines are removed. The fact that the calories in papaya are minimal helps a great deal along with the fact that the fruit is delicious.

Step 6

Steamed vegetables, fish, legumes, beans etc can be consumed for lunch. You can supplement it with a little papaya juice as well.

Step 7

There is a need to perform abdominal exercises while you are on a diet. Muscles need to be stimulated during this time. The fact that there are very few calories in papaya fruit helps. However, that alone will not do.

You can make a simple salad and juice yourself. If you haven’t consumed papaya prior to this and are wondering how to cut a papaya, then visit our site in order to learn about the same.

Successful SEO Services Consider Content Relevancy

For SEO services to be successful, various factors should be taken into consideration. One such factor is content relevancy. All SEO experts and others stress on the importance of content, but the content used at different sections, pages and layers of the website should be related to the main topic of the website.

During various stages of building webpages of a site, content relevancy should be aligned with other factors. The professional SEO service providers differentiate themselves from others by considering this fact. Now, let’s take a look at where content relevancy is needed to be implemented.

Content Relevancy at Keyword Strategy Level

Successful SEO specialists don’t just put together a bunch of highly effective keywords for a website. Such experts use meaningful variations of highly relevant keywords in a strategized plan and in close connection to each other to support the main keyword. Therefore, the content formed around such keywords constitute relevant content.

A good example of such keyword strategy level is when a section of the website deals with one particular topic. To address that topic, the best SEO services can do is to use a set of highly relevant keywords. This enhances the topic of that particular section.

Imagine a section of your website informs your audience of the “silk carpets”. You would want to add pages targeting key phrases like “silk carpet designs”, “silk carpet cleaning”, “silk carpet traditions”, etc to enhance the keyword relevancy and consequently the content relevancy of those pages within the entire website. So, all pages within that section will be better interwoven using such keyword strategy.

Topic Relevancy at Each Section of the Website

Using well-oriented keyword strategy to include keyword relevancy, each section of a website is also built around one topic. This will enhance the overall topic relevancy of the website if every other section of the website has got such relevancy inside itself in particular and in connection to the other sections in general.

When professional SEO services follow topic relevancy and lay the foundation of their website’s comprehensive content relevancy, they can expect their desired results. Otherwise, search engines won’t find any reason why some information is given at one section of the site while it doesn’t have anything in common with the other section. Ultimately, such websites lose their SEO scores and fail to obtain high search engine ranking.

Titles Relevancy to the WebPage’s Content

At a more detailed level, the content relevancy should exist within different parts of a page as well. It’s not useful to have a great attracting title, while the content doesn’t support it. The title of a webpage should strongly relate to the content of the same page.

When Internet searchers look for some information in search engines, they will be taken to the result pages where every result is shown in form of title, few lines of description and the URL of the destination page. If the title and description are well in line with the same topic, but the page content disappoints the web searcher, the SEO service provider had failed!

It’s not only the human visitor that would leave the page unhappy. Search engines, on the other hand, will not find much interesting content relevancy to score the page highly. This will leave no outstandingly successful result for your SEO services.

SEO Services Should Consider Content Relevancy Everywhere

Although content is usually referred to what we read on a page, other parts of a website also contribute to the content formation. So, they should be aligned with the overall keyword strategy, as well as topic and content relevancy. This should also reflect in the following points of a website:

– Meta Keywords

– ALT Tags,

– Folder Names,

– File Names, and

– etc.

This way, SEO services can bring higher probability of success for their clients’ websites as content relevancy is one of the key factors in determining if a website’s content is powerful or not.

Credit Repair Training: What to Look For in a Good Course

If you are thinking about becoming a credit repair specialist and opening your own business, you need to look into finding good credit repair training. As with any skill you attempt to learn, you need to go through some training to learn the ropes. Finding the right training program is crucial to your overall success. You cannot afford to learn the wrong way. This is your livelihood you are talking about and you deserve to have the best training that will ensure your restoration business gets off to a good start.

The following elements should be included in any training course.

1-The training should cover the laws that govern restoration. You need to know what you can and cannot do to stay within the parameters of the law to protect yourself and your client. It is never okay to skirt the law, which means you need to know, in detail, what those laws are.

2-The dispute process is the key to repairing a credit report. You need to know how to do it effectively. There are several steps that you will need to take on your client’s behalf when disputing an error on a report.

3-The credit repair training should also go into great detail about the anatomy of a dispute letter. This is the first step in disputing an item on a credit report. Creating a letter that is too long or a letter that doesn’t highlight the pertinent details could get it shoved to the side and ignored by the credit reporting agencies. This is a lose-lose situation for you and your client.

4-Part of the process of repairing credit is learning what it take to rebuild credit. You will also need to understand credit scores and what is considered high and low. The training should cover these elements as well as provide you with tips to pass onto your clients about raising their score to a healthy level that will allow them to buy the things they want and need.

5-Because a credit score relies on the credit bureaus, you need to understand how each of the 3 major credit bureaus work and how they get their information. Each bureau will generate a different score for a person. You need to understand the factors that go into the credit score and what you can do to influence the scores on your client’s behalf.

6-Not all credit disputes are going to be solved right away. Because of this, you need training that will take you beyond the basics and explain how to properly get into advanced disputes. You can’t give up, but you need to approach the difficult task professionally and in a way that will get results. You need to know what tools are available to you and how you can successfully dispute an item on a credit report when a bureau is being stubborn.

7-Lastly, the credit repair training course should be easy for you to access and available for you to read, listen and watch. Simply reading a manual isn’t enough. Visual and audio help us to absorb information and retain it better. There is a lot of information and seeing, hearing and reading will ensure it is all covered.

You owe it to yourself to seek out the best credit repair training available. You could earn a comfortable living doing restoration, but in order to do that, you must have the proper training. There are plenty of programs out there, but they do not all include the above mentioned elements. This isn’t an area where you can “make do” or “get by” with inadequate training and information. Make the best decision for your future and choose the right credit repair training that will give you the best shot at being successful.