Short Term Comprehensive Car Insurance Coverage for Sedan Cars

There are a few reasons why a short term comprehensive car insurance policy may be useful for you. But before going into this, we need to understand that not every country or region offers this type of insurance. So make sure you check with a motor insurance specialist before you plan your next step.

There are some folks who may want to sell off their car and buy another one. And coincidentally the car insurance coverage is about to end. Therefore if you have bought a full-term insurance policy, it may be a little longer than what you plan for. As such, a short term comprehensive car insurance policy may be useful for you.

For others, they may only need to drive a particular car for a short while. And when they use the car, they will need some form of protection against liabilities that may arise from any incident. Therefore one good way to get the car covered may be to get a short term insurance policy. If this car belongs to your friend, you can also look into getting a rider so as to add your name as a named driver into his insurance policy.

There are many advantages to this approach. First, it is cheaper to get a rider than to start a totally new auto insurance coverage. Also, you can get many benefits that your friend if enjoying under his insurance coverage. For you to get those same benefits, you may have to fork out a lot more in premium. On the other hand, if you get into any kind of trouble, your friend’s insurance record will be tainted. There are pros and cons to such approach, and you must consider each of them.

Some insurance companies offer a one-year car insurance policy. Some others allow you to insure your car for a longer period. A few car insurers even allow two-year or even a three-year comprehensive plan. The longer you insure your car with the insurance company, the more beneficial it is for them. For the same amount of administration, they are able to collect more premiums and retain you as customer for a longer period. This is the reason why not every insurance company will want to offer short term auto insurance packages.

If short term coverage is not available to you, you can always get full one-year coverage to begin with. A short while before you want your motor insurance to end, call up the insurance firm. They will be happy to advise you on how to cancel your policy at that specific date. The remaining portion of the unused premium will be refunded to you, prorated according to a formula that particular insurance company has.


Accounts Receivable Financing – Get a Job

Until the early 1900’s staffing agencies, also known as employment agencies, generally did not exist. Communities were smaller, and because there was no telephone or internet, people communicated face to face. People in small towns knew each other and hiring was based on that personal knowledge. One of the first staffing agencies was created in 1906 in response to the enormous calamity of the San Francisco earthquake of 1906. With an entire city of people displaced, there was an urgent need to hire workers on a mass scale to re-establish businesses that had been destroyed by the earthquake and fire, and to rebuild the city. Out of this urgent need to match workers to jobs the staffing agency industry was born.

Today the staffing industry is a multi-billion dollar industry. There are many staffing companies with more than $1 Billion in sales; the number of companies with over $100 Million in sales grew in 2006. According to the American Staffing Association, “America’s staffing companies employed an average of 2.96 million temporary and contract workers per day in 2006…and they added an average of 52,000 jobs per day in 2006”.

Why are staffing agencies so popular? In a word, it’s because of flexibility. Staffing agencies help workers to find work when they want, and they help business hire workers when they are needed. Staffing agencies provide workers to fill in when regular workers are absent, to provide extra help during busy times such as Christmas, and to work on special projects. The variety of jobs provided by staffing agencies is enormous.

A partial listing of staffing agency jobs include the fields of engineering, aviation, environmental services, architecture, administrative services, automotive services, energy, manufacturing, construction, mortgage banking, contact centers, science, health care, secretarial, manual labor, accounting, finance, executive recruitment, temporary staffing and student employment. One staffing agency specializes in administrative staffing by Microsoft Office Certified Professionals.

Most parents encourage their children to go to college and learn something that will help them get a job after they graduate. After four or more years of college, many graduates would prefer to take some time off to see the world, or just find themselves. In the movie, Back to School, Rodney Dangerfield was cast as a parent who goes back to school primarily to get his son to stay in school so his son can get an education and a job. Rodney is invited to give the college commencement address. ”It’s a jungle out there,” he says. ”So my advice is don’t go. Live at home. Let your parents worry about it.” Perhaps this is the sociological reason for the growth of staffing agencies to provide people with jobs.

According to MSN Encarta, the word job is a “noun and a verb:

noun (plural jobs) Definition: 1. paid occupation: an activity such as a trade or profession that somebody does regularly for pay, or a paid position doing this

She’s got a new job.

2. task: something that remains to be done or dealt with

I have a couple jobs to do this afternoon.

several jobs around the house

3. assignment: an individual piece of work of a particular nature

We managed to complete the job in under a week.

4. function: the role that somebody or something fulfills

It’s her job to look after the finances.

5. difficulty: something that is difficult to accomplish

I had quite a job getting it to start.

6. quality of work done: a completed piece of work of a particular quality

They did a very good job on the exterior.

7. particular kind of object: a particular kind of object, especially a manufactured item ( informal )

one of those big four-wheel-drive jobs

8. crime: a criminal act, especially a robbery ( informal )

a bank job

9. computer programming task: a computer programming task run as a single application or unit”

All of the nouns, with the exception of crime, relate to what staffing agencies provide. As a verb, with the exception of a jobber who deals in wholesale merchandise, most of the definitions relate to what staffing agencies do:
“verb (past and past participle jobbed, present participle jobobing, 3rd person present singular jobs) Definition:

1. intransitive verb work occasionally: to take occasional or casual work

He jobs as a gardener from time to time…

2. transitive verb distribute work to others: to subcontract portions of contract work to others

job out the plumbing work on the house”

It would be unusual for most staffing agencies to provide a songwriter or an artist to a business. This is a pity because there are so many songwriters and artists that need jobs. One of the greatest vocal rock and roll songs ever written was called Get A Job by the Silhouettes. It was recorded in the late 1950’s. It was a number one hit on the pop charts and it sold over one million copies. The song was written by Richard Lewis after he completed his military service. When he came home he had no work and his mother told him to “Get A Job” and this inspired him to write the song.

The lyrics are:


Sha na na na, sha na na na na(repeat 4x)

Yip dip dip dip dip dip, bum bum bum bum bum bum

Sha na na na, sha na na na na

Well, from about the time every morning when she wakes me up and cries,”Get a job!”

Well, after breakfast every day, she throws a polish on my way and never fails to say
(bass)Get a job


Oh, oh, and when I get the paper

I read it through and through

And my girl never fails to see

If there is any work for me


And when I go back to my house

I hear my woman’s mouth

Preachin’ and a-cryin’, tell me that I’m lying ’bout a job”

Whoa-ooh-oh, and when I get the paper

I read it through and through

And my girl never fails to see

If there is any work for me”

If Mr. Lewis had other marketable skills he might have joined the legions of people working for the staffing agency industry. One of the biggest concerns of a growing staffing agency is cash flow. To grow into a multimillion dollar business, it takes a considerable amount of cash. Payroll obligations must be met every two weeks to pay staffing agency employees, but the actual employers (i.e. the companies that are using the staffing agency people) may take 30 to 60 days to pay their bills. Accounts receivable financing can provide staffing agencies with virtually unlimited cash for growth. The main requirement is to have staffing agency employees working for creditworthy businesses.

This financing technique can accelerate cash flow for exponential growth because the cash for the invoices is available immediately every time an employer is billed for services rendered. Commercial finance companies are the primary providers of accounts receivable financing for staffing agencies; some banks are involved in financing larger, multi-million dollar transactions that are low risk. As a general rule, banks will not provide accounts receivable financing for a staffing agency that is a start-up or for one that is growing very rapidly in the early years of their business.

The bottom line: if you need to get a job, a staffing agency may be an excellent choice to find work on your terms; if you need cash flow to grow a staffing agency, accounts receivable financing may be an excellent choice for financing growth without bank terms.

Copyright © 2007 Gregg Financial Services


Importance of Comparison of the Auto Insurance Quotes

Comparing the auto insurance quotes is one of the best options to obtain the right type of insurance deal required for your vehicle. With the help of internet, you will be able to compare the insurance quotes of different companies. However, knowing how to compare the quotes is not an easy task, especially if you are doing it for the first time. When you are searching for the best insurance rates for your vehicle, there are few factors, which come into play. These factors will help you to select a good insurance company that can offer you the best service. In case, if you are not aware of these aspects, this article can help you. The article will provide you three things that should be considered when making the insurance comparison online. This will help you to obtain the maximum results.

Find an Independent Insurance Company:

Looking for independent auto insurance companies will help you to get rid of the hassles that you have to face when getting into a narrow comparison chart. Moreover, it is also very important to ensure that the insurance company you select for comparing the rates or quotes will be an independent one. When you are taking the assistance of an Independent insurance company, you will be able to find multiple quotes, which are provided by several providers. This will help you to compare the quotes and find the right deal suitable for you. Moreover, as these companies will understand the needs of their customers, they can also provide you cheap auto insurance rates that suit your needs and budget.

Consider your needs:

When you are comparing the insurance companies, it is very important to have a clear picture of your goals. For instance, if you are looking for big savings, bear in your mind that opting for the cheapest coverage might not give you a good protection. Therefore, you should not only consider your rates, but also the type of packages provided by the insurance companies. However, you do not have to worry, as when you compare the quotes and packages offered by the insurance companies, you will be able to see the benefits offered by each provider.

Use a Reputed Online Company for the Comparison:

Although you will be able to find numerous options in front of you when look online for the best auto insurance rates, finding the right one should be done with maximum care. You should also try to do a background research on the company you select for obtaining more information on the services they provide. It is also very important to know about the reputation and ranking of the company for obtaining the right package.

Understanding these three things will help you to compare the auto insurance rates without any hassles. Still if you are not able to finds the right insurance package for your vehicle, taking the assistance of an insurance agent or broker could be the best option for you.


Real Estate Fields

As property ownership developed, real estate has also become a major area of business. Selling, renting and development of properties, homes or buildings are the sources of profit in the real estates business. Buying or purchasing properties is a significant investment. Every parcel of land has its exclusive characteristics that this industry has evolved into many diverse fields.

No two properties are the same and at least differ each in their location. This is the heterogeneous nature of a property as an investment which led to the practice of developing an opinion in the value of a property, usually the market value. This practice is called Real estate appraisal, Property valuation or Land valuation. This appraisal, although no license or certification is required in some areas, is performed by a certified appraiser or property valuer.

In Real Property Brokerage, a party acts as intermediary between the seller and the buyer of a property. In the United States and Canada, this intermediary party is called a Real Estate Broker whose job is to find a seller who wishes to sell his property and buyers who wish to buy and invest on real estates. While in the United Kingdom, as Estate Agent refers to the person or organization who markets these properties on behalf of the clients.

Improving land or replacing buildings for use is called Real Estate Development. These developments is different from building as developers themselves do not build but act as coordinators of activities of converting ideas into real property. Developers buy land, performs the deals, build or have builders build projects, create, imagine, control and orchestrate the process of development from the beginning to end. They work with architects, city planners, engineers, surveyors, inspectors, contractors, leasing agents and more along each step of this process of development.

In addition to ‘rent’, a tenant is also required to pay a Net Lease. This payment covers some or all of the property expenses such as taxes on the property, insurance, maintenance, repairs, utilities and other items. A Net Lease may be single, double, triple or bondable.

Real Estates are operated by property management which may be commercial, industrial or residential. Property management encompasses all processes, systems and manpower necessary to manage an acquired property such as acquisition, control, accountability, maintenance, utilization, and disposition.

Real Estate Marketing focuses on managing the sales aspect of a business property. There are various ways by which on-sale properties could be advertised and promoted. There is the traditional newspaper classifieds where the property to be sold are listed and printed in newspaper and printed reading materials. Another marketing tool is printed brochure for distribution. There are also modern property advertisement such as building a dedicated website for the properties on-sale, posting the same properties in on-line ads or participating in social networks and bookmarks.

Real Estate Investing comprise the purchase, ownership, management, rental and/or sale of properties for profit. While Relocation Services refers to relocating or transferring people or business to a different location or country.

A Corporate Real Estate describes the real property held or used by a business enterprise for its organizational purposes including the corporate headquarters, branch offices and a number of manufacturing and retail sites.