cost of insurance
Insurance for small businesses usually include coverage for liability, property and health. Several types of small businesses, small businesses can purchase a package that will cover many of their insurance needs. Insurance can be tailored to small businesses have the option of additional coverage will affect the price you would pay for the policy. The average cost of a policy will vary depending on what your business needs covered.Property Insurance.Property insurance provides coverage for loss of business, including fire, theft and vandalism. Even with insurance coverage for business interruption, allowing costs to businesses to close temporarily. The cost of property insurance policy will depend on factors such as the type of activity in which it is located, and the coverage choice.
cost of insuranceInsuranace responsibility.Liability insurance coverage in case of injury to customers or visitors to a small business. The cost of this type of policy is often based on estimates of sales and wages. For example, companies may have to pay $ 2 to $ 4 of the liability insurance for $ 1,000 from the sale of the insurer to use other factors to determine the price premium, which includes the previous statement, and type. business operations.Health insurance.Small businesses tend to provide health insurance coverage for employees. This type of insurance varies in cost depending on the type of plan selected and other factors, small businesses can choose from a variety of health insurance plans. A new type of coverage for small groups, HealthFirst, will soon be available in the New Hampshire health insurance plan that focuses on the costs for small business $ 4,000 $ 6,000 per month savings of $ 1,000. $ 2,000 per month, compared with a similar plan.
cost of insurance
cost of insuranceA. Pre-Yom Academy.Pre-Yom 's comment that the cost for small business insurance policies can vary significantly from insurer to insurer. For many insurance companies offer policies to ensure that offers similar coverage occurred before the selection. The insurer must use a number of factors in determining how much to charge, including the location of your building by building to take the life of the structure as well as any discounts that may be used. Small business owners can pay $ 2,000 to $ 5,000 per year or more for insurance coverage.deductibles.Small businesses, small businesses purchase insurance policies to choose from a variety of deductibles, less the amount that the policyholder must pay before the insurance starts to cover its share of the claim when submitted. The cost premium for a policy can vary depending on the amount that has been selected for the deductible, the deductibles on the policies for small businesses that can range from $ 250 to $ 1,500 or more that amount. A higher deductible will reduce the cost of the premium. But it can also increase the cost out of pocket for claims
Saturday, November 12, 2011
Getting people to enrol for Forex training course
Dear Mr. Tan,
I heard from a friend who went his preview about how X (a forex trainer) slashed and reduced course price to attract people to join his course. My friend felt X was treating the audience like clowns. He mentioned X slashed the price until around $300. While everyone was running to the back to sign up, he then finish writing $300 per month, and not just $300.
I have attended other seminars before and I think it is normal, but not to the extent of not finish writing to somehow cheat people. Most people would just state their actual course fee was (example) $20k, slashed to $10k, $5k, eventually $2.5k to make people think they are having great deals (not just Forex).
Regarding the (named removed) website, I saw people complaining about him writing $X amount per month installment which added up to be more than the course fees. I believe it was 0% interest just like most schools are doing now. After searching around online for feedbacks, I felt many people are complaining about him that he is more of a motivational speaker and sales person than a trainer. I watched some videos of his and I felt too.
Hopefully people could be more caution before signing up for courses.
I heard from a friend who went his preview about how X (a forex trainer) slashed and reduced course price to attract people to join his course. My friend felt X was treating the audience like clowns. He mentioned X slashed the price until around $300. While everyone was running to the back to sign up, he then finish writing $300 per month, and not just $300.
I have attended other seminars before and I think it is normal, but not to the extent of not finish writing to somehow cheat people. Most people would just state their actual course fee was (example) $20k, slashed to $10k, $5k, eventually $2.5k to make people think they are having great deals (not just Forex).
Regarding the (named removed) website, I saw people complaining about him writing $X amount per month installment which added up to be more than the course fees. I believe it was 0% interest just like most schools are doing now. After searching around online for feedbacks, I felt many people are complaining about him that he is more of a motivational speaker and sales person than a trainer. I watched some videos of his and I felt too.
Hopefully people could be more caution before signing up for courses.
Car Insurance Quote Online - How to Find the Best Online Deals For Auto Insurance Quotes
Finding ways to get things done faster is human nature and searching for ways to save money is also a desire we all have. Finding a car insurance quote online is one way to accomplish both. It's only natural for the time we spend on our computers to be spent shopping for bargains, paying our bills and searching for the best deals we can find. Auto insurance is now easier to find because by
Staged accidents
A staged accident is created by a syndicate involving a criminal workshop. The workshop boss arranged for an accomplice to drive on the expressway and brake suddenly, causing the following vehicle to crash into its rear. Another accomplice will appear quickly with a tow truck to bring the accident vehicles for repair. This will be followed by a big repair bill for the vehicle in front (which belonged to the syndicate).
This type of staged accidents had been happening for many years, but nobody bothered to take any action. One day, the driver of the following vehicle was the son or a prominent politician. He related the matter to his father who brought up the matter to the authority. This caused the authority to take action. For the next few days, there were big stories in the media and the term "staged accidents" was coined. There was a furor, because this was considered to be reckless driving.
This happened in a certain country about 10 years ago. Guess the name of this country, where nobody takes action until it involves an important person's family member?
This type of staged accidents had been happening for many years, but nobody bothered to take any action. One day, the driver of the following vehicle was the son or a prominent politician. He related the matter to his father who brought up the matter to the authority. This caused the authority to take action. For the next few days, there were big stories in the media and the term "staged accidents" was coined. There was a furor, because this was considered to be reckless driving.
This happened in a certain country about 10 years ago. Guess the name of this country, where nobody takes action until it involves an important person's family member?
Unethical forex magic trick
Dear Mr Tan,
I strongly suspect that (name removed) is performing an unethnical forex magic trick to lure gullible students to sign up for his forex courses. Please see one of his video (link removed). He probably have an accomplice behind the scene to feed him the calls for long or short. His accomplice may be somewhere else having access to the chart on the screen and signal long or short call by simply calling his handphone. One on his left pocket and the other on his right pocket.
I am a forex trader myself and i am very sure this is a scam. Please help to unweed this unscrupulous forex school before more gullible students fall into the trap.
I strongly suspect that (name removed) is performing an unethnical forex magic trick to lure gullible students to sign up for his forex courses. Please see one of his video (link removed). He probably have an accomplice behind the scene to feed him the calls for long or short. His accomplice may be somewhere else having access to the chart on the screen and signal long or short call by simply calling his handphone. One on his left pocket and the other on his right pocket.
I am a forex trader myself and i am very sure this is a scam. Please help to unweed this unscrupulous forex school before more gullible students fall into the trap.
Re-admission to Universal Studio
The rules of Universal Studio Singapore said that "for same day admission, you must present the Studio admission ticket and hand stamp for re-entry".
I recall visiting the theme parks in America where they recognize the hand stamp (or similar tags). They do not require the admission ticket to be shown as well. I wonder if this reflects the peculiar requirements in Singapore - where it is usual to add to the hassle for customers?
I recall visiting the theme parks in America where they recognize the hand stamp (or similar tags). They do not require the admission ticket to be shown as well. I wonder if this reflects the peculiar requirements in Singapore - where it is usual to add to the hassle for customers?
Drugs That Control Genes May Treat Lung Cancer
Researchers Report Some Success Against Advanced Lung Cancer With Epigenetic Drugs
Nov. 9, 2011? -- A new approach to treating cancer appears to help certain patients with advanced lung cancer, and researchers say they think they may have a way of spotting those who will benefit.
The small study is generating big excitement in the world of cancer treatment because it demonstrates that so-called epigenetic drugs may work when traditional chemotherapy has failed.
Epigenetic drugs work by controlling gene expression -- the way information from genes is used to create products such as proteins.
The study is published in Cancer Discovery.
"This is a ... groundbreaking study, showing that by modifying the epigenetics of a cancer cell we can get real responses in lung cancer," said Jeffrey A. Engleman, MD, PhD, director of thoracic oncology at Massachusetts General Hospital, in Boston, in a news briefing. "And getting real responses in lung cancer is actually quite difficult, so we take special notice of therapies that can do this." He was not involved in the research.
New Approach to Treating Cancer
All 45 patients recruited for the study had non-small-cell lung cancer, the leading cancer killer in the U.S.
All had tumors that had spread beyond their lungs despite treatment with an average of three other therapies.
"These are patients with very advanced disease" who have little chance of survival, says study researcher Charles Rudin, MD, PhD. He is professor of oncology and associate director for clinical research at Johns Hopkins University Kimmel Cancer Center in Baltimore.
Rudin says that he has consulted for Syndax Pharmaceuticals, the company that makes one of the drugs tested in the study.
Most patients with cancer this advanced are only expected to survive for about four months, the researchers note.
After treatment with a combination of the medications Vidaza, which is FDA approved to treat certain rare blood disorders, and the experimental pill entinostat, however, the average survival for the entire group was 6.4 months.
Doctors who wrote an editorial on the study note that this result was just shy of the same average survival (6.7 months) seen in patients treated with Tarceva, the only medication that's approved to treat patients with non-small-cell lung cancer that has spread to other organs.
The figure from the new study, however, included 11 patients who dropped out of the study before finishing a single cycle of treatment.
Among patients who finished at least one full treatment cycle, the average survival was even higher, about 8.6 months.
What's more, four of 19 patients who got chemotherapy after the experimental drug combo had dramatic responses to those treatments, "raising the hypothesis that maybe the epigenetic therapy is in some way priming the tumor for response to chemotherapy," Rudin says.
In total, seven patients who took part in the trial are still alive; two have survived for more than four years.
Source: http://www.webmd.com/lung-cancer/news/20111109/drugs-that-control-genes-may-treat-lung-cancer
eric church martina mcbride sara evans lionel richie gop debate cma awards cma awards
Benchmark for housing prices
An American told me that 30 years ago, the banks will give a mortgage to the borrower to buy a house for not more 3 years of the income of the breadwinner (and the income of the working spouse is disregarded). The bank also required the borrower to make a down-payment of 10% for the house.
If this rule is applied in Singapore today, the average price of a 4 room HDB flat should be $120,000 (assuming an average income of the breadwinner to be $40,000).
The price of HDB flat that is being charged is about 3 times of this benchmark - and a 4 room HDB flat is considered to be quite modest, compared to a typical house with a land in America. (See http://en.wikipedia.org/wiki/Public_housing_in_Singapore)
This shows how costly are HDB flats in Singapore - and they are considered as "public housing". No wonder, both parents have to work and they still do not have enough money for retirement. The housing is far too expensive.
HDB flats are getting smaller and more expensive
This is an interesting perspective told by Lucky Tan
http://singaporemind.blogspot.com/2011/11/smaller-flats-doesnt-mean-lower-quality.html
http://singaporemind.blogspot.com/2011/11/smaller-flats-doesnt-mean-lower-quality.html
Administrative executive
There is a vacancy for a person to carry out office administrative work at our office at Midview City, Sin Ming Lane. The working hours are from 9 am to 6 pm, five days a week. The expected salary is $1,500 per month. Preference will be given to a candidate who has working experience and who lives nearby. Interested parties are required to send in a resume and expected salary to ceo@tankinlian.com. The candidate is expected to start work during the third week of November 2011.
The candidate must be a citizen or permanent resident or someone who has a dependent work pass. Candidates who wish to work part time on a reduced salary will also be considered.
The candidate must be a citizen or permanent resident or someone who has a dependent work pass. Candidates who wish to work part time on a reduced salary will also be considered.
MF Global Singapore clients
Mr Tan,
Your reader might be interested in this news.
SK
My views
It is better for Singapore investors to keep their accounts with local brokerages, rather than foreign brokerages, due to this type of problem. The local brokerages are more likely to keep their money in Singapore. Even though the client's monies are kept outside Singapore, I believe that they belong to the clients and should be returned to the liquidators on demand. I don' think that the foreign banks or other institutions have the right to reject the request of the liquidators to return the monies. But, it seems that international finance is getting very complicated and risky.
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