Just heard from my friend this afternoon that she had intention of investing some of her money into either gold or foreign currency. She asked me to come along with her to the bank to enquire more about the returns and the risks involved. With the economy gaining these days, it is a good time to consider investing in some kind of venture where it brings good returns from our capital.
Well, according to the bank officer, investors generally buy gold bullion as a hedge against any economic, or currency-based crises. These crises include investment market declines, currency failure and even inflation. As the market is fluctuating recently, a lot of people has opted for gold investment. Before we do any investment, it is best to get some dedicated professionals to monitor our investment, it always pay to have the right advice and not simply decide on our own.
Back to College
Back to college... another new exciting semester.. this time it will be four months long.. and i will only be home in October...wow.. that was a long time..
Tomorrow i will be alone in hostel.. but i m sure my gang will be coming to accompany me .. two weeks have passed by so fast.. wish i could rewind back the time and be in my own house once again.. well, i guess this is part and parcel of growing up.. nothing can prevent that.. it is a turning point in our lives..
Tomorrow i will be alone in hostel.. but i m sure my gang will be coming to accompany me .. two weeks have passed by so fast.. wish i could rewind back the time and be in my own house once again.. well, i guess this is part and parcel of growing up.. nothing can prevent that.. it is a turning point in our lives..
Car Maintenance And Accessories
Just yesterday I sent my 6 months old car for the 2nd service. In a matter of months, my kilometer range has sprang to 5000km and I think in a couple of months, it will reach 10000km. The service man told me to take proper care and maintenance to ensure a smoother and more durable performance on my car. Yes, surely it will be with regular checkups, just like human beings.
When I looked at the bill, I notice that besides the engine oil and gasket, he has also changed the Air Filter for me, what purpose it actually do? I guess it allows cleaner and cooler air intakes to our engine, turning hot dirty air into cool clean breeze in the car’s engine.
From what I read here, cold air intakes will also clear up the path from the intake to the engine and that means more oxygen, more clean clean and better performance on the car. Well, to own a car is easy but to maintain it, we have to make an effort to read up the information and details so as to make our car last longer, less repairs and perform better. Read more about this in carid.com, they have lots of information and accessories to offer as well.
Gold Coins As Investment
These few days the conversation among my office colleagues were on the word "investment." Some of them have received some bonus payouts and we were teasing each other on how to save our money instead of spending them at one "go." Many suggested going on a vacation taking the whole family but some others were discussing on how to invest instead. One of the suggestions is to buy some gold coins and keep for their future. No doubt it needs money now to buy them but in the long run, it promises its value so it is a good idea to collect it as a side investment.
But one advice though, it is always safer to get someone professional to assist before investing. Gather more information from United States Gold Bureau website, after all, as the saying goes, it is safer to be sorry later.
But one advice though, it is always safer to get someone professional to assist before investing. Gather more information from United States Gold Bureau website, after all, as the saying goes, it is safer to be sorry later.
College Life
Holidays has started... in another two weeks, I will be back in college for my 2nd year. Time really flies... one year has passed since I last enrolled in my college. In another one year, I can do some internship and then I will start on my degree.
Hope the course will become easier and easier as time goes... so far, I am enjoying college life, it is less hectic then school definitely.....but if taking up courses overseas, it is even more relaxing.. as it is still local, cracking of brains still need to take place.. LOL...
Hope the course will become easier and easier as time goes... so far, I am enjoying college life, it is less hectic then school definitely.....but if taking up courses overseas, it is even more relaxing.. as it is still local, cracking of brains still need to take place.. LOL...
A Handheld TV
Almost every week I have to travel back to my hometown and the journey takes almost two hours. It can be pretty boring sitting in the bus alone, the scenery has also bored me after traveling for so many months now. What I have in mind is to get a handheld TV and when I do, I will not feel so bored anymore and instead will look forward to going home each weekend!
7 Different Types of Business Insurance for Your Business Needs
The different types of business insurance are as follows: property insurance, casualty or liability insurance, auto insurance, crime insurance, business interruption insurance, business life insurance, and worker’s compensation insurance.
As a business owner, you should always be mindful of the huge investment you have allotted in running your own business. One way to protect your investment is by purchasing business insurance. Business insurance is a great help in reducing financial risks brought about by unpredictable events like accidents, natural disasters, lawsuits, and so on. Business insurance is comprised of many types so the cost in obtaining one varies from one insurance provider to another. It is ideal that you ask for an insurance sales leads agent to guide you in choosing the best business insurance for you. Below are the different types of business insurance:
Property insurance
Property insurance insures an owned, leased or rented property, including its contents, against damage or loss from fire, hurricanes, hail storms, explosions, theft, vandalism, and other disasters. Talk to your agent about the details of your property insurance coverage needs because this type of insurance can be specific and applied to one type of risk. Purchasing a few components of this type of business insurance can be costly, so you should choose the exact coverage you need.
Casualty or liability insurance
Casualty or liability insurance covers the loss and damages caused by acts of negligence or omissions. It also covers lawsuit costs and settlement bonds if ever the problem goes to court. This type of insurance is best paired with property insurance, and is not particularly connected with life or health insurance.
Auto insurance
If you happen to have a vehicle used for business purposes, then it is likely that you need auto insurance. This will cover the cost of repairing any damage to your vehicle and to other vehicles if an accident occurs.
Crime insurance
Basically, crime insurance covers the damages and loss of the business against robberies and even employee theft.
Business interruption insurance
In cases when the business may have to temporarily close, business interruption insurance helps support the business until it reopens again. This type of insurance covers the damages and loss of the business’ calculated earnings during those periods.
Business life insurance
This type of life insurance is particularly for businesses run by partnerships or corporations with some stockholders. The business life insurance insures the partners and stockholders of the business by dispensing money to purchase the portion or business interest from the family of a deceased partner or stockholder.
Worker’s compensation insurance
Worker’s compensation insurance is a must for businesses with a fair number of employees. This will cover the damages and medical expenses of your employees for on-the-job injuries.
It is better be prepared than to risk your business to any financial crisis. Business insurance is a sure back-up plan when business trouble arrives.
As a business owner, you should always be mindful of the huge investment you have allotted in running your own business. One way to protect your investment is by purchasing business insurance. Business insurance is a great help in reducing financial risks brought about by unpredictable events like accidents, natural disasters, lawsuits, and so on. Business insurance is comprised of many types so the cost in obtaining one varies from one insurance provider to another. It is ideal that you ask for an insurance sales leads agent to guide you in choosing the best business insurance for you. Below are the different types of business insurance:
Property insurance
Property insurance insures an owned, leased or rented property, including its contents, against damage or loss from fire, hurricanes, hail storms, explosions, theft, vandalism, and other disasters. Talk to your agent about the details of your property insurance coverage needs because this type of insurance can be specific and applied to one type of risk. Purchasing a few components of this type of business insurance can be costly, so you should choose the exact coverage you need.
Casualty or liability insurance
Casualty or liability insurance covers the loss and damages caused by acts of negligence or omissions. It also covers lawsuit costs and settlement bonds if ever the problem goes to court. This type of insurance is best paired with property insurance, and is not particularly connected with life or health insurance.
Auto insurance
If you happen to have a vehicle used for business purposes, then it is likely that you need auto insurance. This will cover the cost of repairing any damage to your vehicle and to other vehicles if an accident occurs.
Crime insurance
Basically, crime insurance covers the damages and loss of the business against robberies and even employee theft.
Business interruption insurance
In cases when the business may have to temporarily close, business interruption insurance helps support the business until it reopens again. This type of insurance covers the damages and loss of the business’ calculated earnings during those periods.
Business life insurance
This type of life insurance is particularly for businesses run by partnerships or corporations with some stockholders. The business life insurance insures the partners and stockholders of the business by dispensing money to purchase the portion or business interest from the family of a deceased partner or stockholder.
Worker’s compensation insurance
Worker’s compensation insurance is a must for businesses with a fair number of employees. This will cover the damages and medical expenses of your employees for on-the-job injuries.
It is better be prepared than to risk your business to any financial crisis. Business insurance is a sure back-up plan when business trouble arrives.
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