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ASDA Cashback Credit Card – No Annual Fee – Asda Money #travel #credit #card

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Turning your everyday shopping into cashback vouchers

All cashback earned by additional cardholders will be awarded to the primary cardholder.

**Credit Card Balance Transfer Terms and Conditions: Balance Transfer fee of 3% (minimum fee £3 per transaction) will be charged in respect of each Balance Transfer. Subject to account status. Account Terms and Conditions apply. You can Balance Transfer up to 90% of the available credit limit within the first 90 days of account opening. Balance Transfers from existing Store card and MasterCard accounts and loans issued and administered by Creation Financial Services Limited and Creation Consumer Finance Limited and MasterCard accounts originally issued by Sygma Bank UK are not permitted. If at the end of the 0% period you haven’t paid off the amount of the Balance Transfer in time, interest will become payable on the remaining amount at your standard Balance Transfer rate. Minimum value for Balance Transfer is £50. All other transactions during the promotional period will be charged interest at the standard rate then applicable. If you do not make at least your minimum payment on time or you exceed your credit limit you will lose the promotional rate and any balance will be charged at the standard rate.

°For purchases of £200 or more online at George.com (after any applicable discount): No interest shall be charged on qualifying purchase(s) for the six months following the date of purchase(s). After the six month period the interest rate for Standard Purchases applicable to the account is then payable on any remaining balance of the purchase. To qualify, purchases must be made at George.com on a valid Asda Cashback Credit Card in a single transaction. The promotion may be withdrawn or extended by Asda Money at any time without prior notice. If you do not make at least your minimum payment on time or you exceed your credit limit you will lose the promotional rate and any balance will be charged at the standard rate.

^^Upon purchasing or renewing your annual Asda Money insurance policy with your Asda Cashback Credit Card, 10% cashback will be applied automatically on to your next Asda Cashback Credit Card statement. Should you cancel your policy at any point, within the policy year, the 10% cashback will be deducted from the following Asda Cashback Credit Card statement. This offer does not affect your right to cancel the policy. The cashback is facilitated by your Asda Cashback Credit Card provider, and not supplied by your insurance provider. All Asda Money insurance policy payments must be paid in full and not by direct debit. Asda Money insurance policies included in the offer are as follows; Home, Pet, Annual Travel (not single trip), UK or European Breakdown Cover (Roadside Cover not included). This cashback offer does not apply to policies purchased through price comparison sites.

Asda Stores Limited (Great Wilson Street, Leeds, LS11 5AD), trading as Asda Money, acts as a credit broker not as a lender and is authorised and regulated by the Financial Conduct Authority. Asda Stores Limited only offers credit cards provided by Creation Financial Services Limited, Chadwick House, Blenheim Court, Solihull B91 2AA. Credit issued subject to status. Applicants must be aged 18 or over and UK resident (including Isle of Man and Channel Islands).





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Wrightslaw Special Education Law and Advocacy #rti #nwea #aimsweb #rit #scores #remediation #tutoring #research-based

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Parents, educators, advocates, and attorneys come to Wrightslaw for accurate, reliable information about special education law, education law, and advocacy for children with disabilities.

Begin your search in the Advocacy Libraries and Law Libraries. You will find thousands of articles, cases, and resources about dozens of topics

Newsletter. Subscribe to the free, weekly Special Ed Advocate.

In this issue of the Special Ed Advocate you will find Wrightslaw Summer School 2017, Session 2. Summer School is a four week series of self-study readings, written assignments, and maybe even a quiz or two, that will help you prepare for the next school year. When you complete the series, you’ll get a certificate for a job well done! This week – parents must learn how to design accurate and up-to-date Present Levels. Learn why parent input is so important during this part of developing the IEP. Download the Present Levels Checklist.

Special Education Legal News

Breaking News! – On March 22, 2017, the Supreme Court in Endrew v. Douglas County unanimously rejects the de minimis standard (read the Decision ) for one that is markedly more demanding than the ‘merely more than de minimis’ test applied by the 10th Circuit. In his opinion, Chief Justice Roberts says a student offered an educational program providing merely more than de minimis progress from year to year can hardly be said to have been offered an education at all.” Click here to see Pete’s discussion and analysis of the SCOTUS decision.

Breaking News! – On February 22, 2017, the Supreme Court issued a unanimous decision for child and parents in Fry v. Napoleon. On October 31, 2016 after Oral Argument, Pete met the Fry family. For our discussion about the case, click here.

**New!M.C. v. Antelope Valley Union School District . ** First Court of Appeals decision since the Supreme Court issued the decision in Endrew F. The M.C. v. Antelope Valley will be a Wrightslaw 2017 Case of the Year.

Judge Neil Gorsuch: Nominee for the Supreme Court by Pete Wright. Predicting that Judge Gorsuch would likely be the nominee, Pete looked at his record in special education cases.

OCR Section 504 Guidance The U.S. Department of Education released three new sets of guidance (re: discrimination, restraint and seclusion, charter schools) about interpreting and enforcing federal civil rights laws protecting the rights of students with disabilities. Guidance clarifies the responsibilities of educational institutions in ensuring that all students have the opportunity to learn.

You are Invited to visit the Wrightslaw Way Blog. Help us create a unique online community. Recent posts and comments below.

Hot Topics in Special Education Law Advocacy

Guidance on FAPE – IEP Goals Must Be Aligned with Grade Level State Academic Content Standards **
If a child is performing below grade level, the child needs to receive specialized instruction; IEP team needs to develop annual goals to close the gap. (Policy Guidance from OSERS, 11/16/15)

Guidance Publication on Educating Students with Dyslexia, Dyscalculia and Dysgraphia The USDOE issued guidance about the need to address the unique educational needs of children with dyslexia, dysgraphia and dyscalculia and the legal requirements for ensuring that these students receive a high-quality education. Please make copies and share!

Cool Tool! IEP Pop-Up – IEP Pop-Up: Resolving Disputes teaches strategies to resolve disagreements, steps to take if you disagree, and options you have if unable to resolve your dispute.

* New to Wrightslaw? * In this short video, Pete Wright gives you a tour of Wrightslaw and shows you how to find answers to questions.

Sound Familiar? Charles wrote, All of this is new. I’m overwhelmed. Where do I start? In Game Plan for New Parents. we give you a checklist of what you need to do tomorrow, next week, next year.

Listen and Watch Pete’s video about the case AC v. Shelby County. In April 2013, the US Court of Appeals for the Sixth Circuit issued a decision about retaliation against a child with Type 1 diabetes. The case focused on false allegations of child abuse by the school principal.

Every Student Succeeds Act (ESSA) Signed December 10, 2015 – (391 pages in PDF), click here to download

Law School Exam – Give it a try. Take the Final Exam that Pete and Pam administered to their students at the William Mary School of Law. To see one of their students during oral argument in an LRE case, click here.

2017 Institute of Special Education Law Advocacy (ISEA) July 30 – August 4, 2017. Registration is open.
Find conference details and download the application. Applications will be considered on rolling basis bi-monthly, from February 1, 2017-July 15, 2017. Highlights from ISEA 2016 .View the Slideshow – ISEA 2016 .

Books, Training Downloads, DVDs Websites

For a year and a half, Pete and Pam Wright were Adjunct Professors of Law at the William and Mary School of Law where they taught a course about special education law and advocacy and assisted in creating the Law School’s Special Education Law Clinic. They are co-founders and faculty at the William and Mary Law School Institute of Special Education Advocacy (ISEA).

Wrightslaw: All About IEPs (ISBN: 978-1-892320-20-9, 192 pages) by Pete Wright, Pam Wright, and Sue O’Connor.

Wrightslaw: All About Tests and Assessments (ISBN: 978-1-892320-23-0, 200 pages) by Pete Wright, Pam Wright, and Melissa Farrall.

Wrightslaw Multimedia Training Programs – Understanding Your Childs Test Scores (1.5 hrs) and Wrightslaw Special Education Law and Advocacy Training (6.5 hrs).

Wrightslaw: Special Education Legal Developments and Cases 2015 (ISBN: 978-1-892320-37-7, 104 pages) available in two formats, as an immediate PDF download. Print copy is available from Amazon.

Pete and Pam built several websites to help parents of children with disabilities in their quest for quality special education programs.

Fetaweb.com. the companion website to Wrightslaw: From Emotions to Advocacy, has advocacy information and resources to supplement the FETA book.

IDEA 2004 at Wrightslaw provides current information about the Individuals with Disabilities Education Act of 2004 (IDEA 2004). Learn about new requirements for IEPs, IEP teams, IEP meetings, eligibility, evaluations, eligibility for specific learning disabilities, child find, reevaluations, parental consent, accommodations, alternate assessments, transition, and more.

No Child Left Behind at Wrightslaw offers accurate, up-to-date information about the No Child Left Behind Act – research-based instruction, proficiency testing, parent involvement, tutoring and supplemental educational services, highly qualified teachers, and public school choice.

At the Yellow Pages for Kids with Disabilities. you’ll find listings for educational consultants, advocates, advisors, psychologists, diagnosticians, health care specialists, academic tutors, speech language therapists, and attorneys. You’ll also find government programs, grassroots organizations, disability organizations, legal and advocacy resources, special education schools, and parent support groups.

Last revised: 08/01/17





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Official Website Florida Department of Highway Safety and Motor Vehicles #fl #no #fault #insurance

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I am registering a vehicle for the first time in Florida. Is automobile insurance mandatory?

Yes. If you own a vehicle with at least four wheels and are registering it, you must have Florida insurance.

What type of insurance is required to purchase and maintain a Florida license plate and registration?

Florida’s minimum coverage is $10,000 personal injury protection (PIP) and $10,000 property damage liability (PDL) as long as you have a valid Florida license plate.

What is “Personal Injury Protection” (PIP) insurance?

Also called Florida No Fault Insurance, Personal Injury Protection (PIP) Insurance covers you – regardless of fault (i.e. whether or not you cause the crash) – up to the limits of your policy. Your PIP will also cover your child, members of your household, certain passengers who lack PIP Insurance as long as they do not own a vehicle. People riding in your vehicle who carry PIP will receive coverage under their own PIP for their injuries, and certain licensed drivers who drive your vehicle with your permission. PIP also covers your child if he or she suffers an injury while riding on a school bus. PIP coverage protects you while in someone else’s vehicle, as a pedestrian, or bicyclist if you suffer an injury in a crash involving a motor vehicle. The Florida Motor Vehicle No-Fault Law, requires all owner/registrants of a motor vehicle with four wheels or more to carry a minimum of $10,000 of Personal Injury Protection (PIP) and $10,000 of property damage liability (PDL) if you own a motor vehicle in Florida. Florida law requires you to maintain PIP/PDL insurance continuously throughout the licensing and registration period.

What is ” Bodily Injury Liability” (BIL) insurance?

Bodily Injury Liability coverage pays for serious and permanent injury or death to others when you cause a crash involving your automobile. Your insurance company will pay for injuries up to the limits of your policy and provide legal representation for you if you get sued. In particular, your company pays for injuries caused by you or members of your family who live with you, even if they were driving someone else’s vehicle. It may also cover others who drive your automobile with your permission. This coverage also provides you with legal defense in the event you are sued by the injured party.

What is “Property Damage Liability” (PDL) insurance?

This coverage pays for damages you or members of your family cause (and are liable for) to other people’s property in a crash involving a motor vehicle.

What is meant by “Florida Coverage”?

Florida coverage is an insurance policy delivered or issued for delivery in Florida by an insurance company licensed by the Florida Department of Financial Services.

Can I maintain my current policy issued in my previous state of residence?

No. The minimum required insurance must be issued through a Florida agent with an insurance company licensed to sell in Florida. Most insurers have Florida agents and are licensed to issue policies in Florida. Just ask your agent to transfer your current insurance to Florida when you register a vehicle in Florida.

What if I fail to keep insurance on my vehicle that I have registered in Florida?

The Department of Highway Safety and Motor Vehicles is authorized to suspend your driving privilege, including your vehicle license plate and registration, for up to three years or until proof of Florida insurance is provided, whichever is first.

If my driving privilege is suspended because I am not properly insured, is there a penalty to reinstate my license?

Yes. A reinstatement fee of $150 up to $500, for subsequent violations, must be paid and you must provide proof of current Florida insurance.

I live outside Florida for six months a year. When not in Florida, my vehicle is in storage and not used. Must I maintain automobile insurance?

Yes. Any vehicle holding a valid Florida license plate and registration must be covered by a Florida insurance policy throughout the entire registration period. When you leave Florida, you may surrender your license plate and registration at the nearest driver license or Tax Collector office to avoid maintaining your policy. You can always register your vehicle upon your return to Florida, at which time you can provide proof of Florida insurance.

I am not a resident of Florida but I have business that keeps me in Florida sometimes for several months at a time. Must I comply with Florida’s insurance laws?

Yes. Any person who has a vehicle in Florida for more than 90 days during a 365-day period must purchase personal injury protection and property damage liability insurance coverage. The 90 days do not have to be consecutive.

I own multiple vehicles. Some are not used for different reasons, but the county I live in requires that the vehicles remain registered. Must I maintain insurance coverage on these vehicles?

Yes, as long as you have a valid Florida tag, then you must maintain continuous Florida insurance on the vehicle. It does not matter if the vehicle is being driven, but because there is a valid registration for the vehicle, it must be insured.

What can I do to avoid a driving privilege suspension when I choose not to insure a vehicle?

To avoid a driving privilege suspension, surrender the vehicle’s license plate and registration at any Florida driver license or Tax Collector office, prior to canceling your insurance policy.

If my driving privilege is suspended for no insurance, will I be granted a temporary driver license for Business or Employment purposes?

No. There is no provision in Florida’s motor vehicle insurance laws for the issuance of any sort of temporary or restricted driver license for financial responsibility suspensions.

I am self-employed as a taxi driver and the only vehicle I own is registered as a taxicab. Must I carry automobile insurance?

Yes. You must carry Bodily Injury Liability (BIL) coverage of $125,000 per person, $250,000 per occurrence and $50,000 for property damage liability (PDL) coverage.

I am moving out of state and will not be registered in Florida any more. Can I cancel my insurance?

Do not cancel your insurance until you have registered in the other state. Florida insurance is required as long as you are registered in Florida, regardless of whether you drive in Florida. Once you are registered in the other state, you can cancel Florida insurance and comply with the insurance requirements of the state you have moved to. If you are retaining the same carrier, they can switch you simultaneously with registration change.





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No Annual Fee Dining Rewards Card #rewards #credit #cards, #credit #cards, #visa #credit #cards,

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Eligible purchases do not include purchases of any cash equivalents, money orders, and/or gift cards or reloading of gift cards. For the TD Cash credit cards, maximum bonus accumulation for this promotional offer is a $150 cash reward. Provided your TD Cash Credit Card account is open and in good standing, the $150 Cash Rewards will be reflected in the Points Summary of your Credit Card statement in 6 to 8 weeks after you spend $500 in total net purchases within 90 days of account opening. This offer only applies to new TD Cash Credit Card accounts during the promotional period and is non-transferable. This online offer is not available if you open an account in response to a different offer that you may receive from us.

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1% cash back on all other purchases no categories or gimmicks and earn points that never expire.

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To earn and redeem points, your account must be open and in good standing.

Credit Card FAQs

When will I receive my card?

Upon approval, you will receive your card within 5-7 business days.

What is the credit limit for this card?

The minimum credit limit is $500 with a maximum of $25,000 for the TD Cash Credit Card. For TD Visa Signature benefits, the credit limit must be $5,000 or greater.

What rewards do I get with the TD Cash card?

The TD Cash Visa Card allows you to earn up to 2% cash back on eligible dining purchases from fast food to fine dining. Plus, earn 1% cash rewards for every $1 spent everywhere, every time on eligible purchases. 1 Redeem your cash rewards for cash back, merchandise, gift cards or travel rewards once you’ve earned at least $25. There are no limits to the rewards you can earn and your cash rewards do not expire as long as your account is in good standing, meaning it is open and payments are not past due.





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Nashville Personal Injury Lawyer – Tennessee Accident Attorney – The Higgins Law Firm #free

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A powerful legal force on your side Free legal consultation pay nothing unless your case is won millions recovered Click to Call

A powerful legal force on your side Free legal consultation pay nothing unless your case is won millions recovered Click to Call

From the greeting at the front office and then the great representation of the law staff, I felt at ease from the beginning. Free legal consultation pay nothing unless your case is won millions recovered Click to Call

A powerful legal force on your side Free legal consultation pay nothing unless your case is won millions recovered Click to Call

Nashville Personal Injury Lawyers

The Higgins Law Firm fights relentlessly for the justice their clients deserve, no matter how complex the case or how high the stakes.

Are you looking for the right Nashville personal injury lawyer? Whether you have a case involving an auto accident. nursing home abuse. workplace injury, drug company that did you harm or the lack of adequate security against crime, the law offices of The Higgins Firm have the staff, legal resources, and experience to take on even the most serious of cases anywhere in Tennessee or throughout the country. Let the Higgins Law Firm’s national reputation and decades of experience work for you.

The Higgins Firm was established by Jim Higgins

Mr. Higgins began his career in Nashville representing insurance companies and large corporations in serious injury cases. This included defense of serious car accident lawsuits. catastrophic personal injury cases, workers compensation cases, trucking accidents and wrongful death claims. Now Mr. Higgins and his only firm represent victims in serious injury and employment law cases. To best serve our clients, the firm is broken down into specific litigation divisions that focus on particular types of cases.

These teams include lawyers and staff that focus on nursing home neglect claims. medical malpractice claims, workers compensation, automobile accidents, product liability, probate law and employment law cases. By having a legal team that focuses on particular areas of the law, the client can be better served and given every possible advantage when presenting their claim in court.

In addition to a focused legal team, The Higgins Firm has the resources and experience to pursue complicated and high stakes litigation. Over the years, The Higgins Firm has created relationships with experts all over the country in a variety of different fields.

These experts include vocational disability experts, physicians, defective product experts, construction site experts, economists and animation experts for trial. In order to obtain the maximum results for their clients, it is often necessary to assemble an extensive team of lawyers, staff and experts. This team approach allows a comprehensive, focused strategy as we work together throughout the case in order to present to the judge or jury a true picture of our client’s losses and the defendant’s wrongful acts.

The Higgins Firm has obtained millions of dollars in verdicts and settlements for their clients. In recognition of the firm s success, Jim Higgins is a member of the Million Dollar Advocate forum and The National Top 100 Trial Lawyers. We limit our cases to those with significant damages because we want the courts and insurance companies to know that if our firm is involved in a case then the matter needs to be taken seriously. We believe by earning a reputation as a law firm that handles only catastrophic cases all of our clients will benefit and be taken more seriously.

Most of our clients have never hired a lawyer before they retain our firm and they are not the kind of people that take filing a lawsuit lightly. As such, our Nashville personal injury lawyers understand that it is important that our firm maintain the respect of everyone in the legal community. We realize that our representation is important to our clients and we do not take the trust they have placed in us for granted. As such, we do not take frivolous cases in hopes of a quick settlement.

A large portion of our cases come from other lawyers and former clients. We believe this is a reflection of the results we have obtained over the years. If you are a lawyer and have a case that is outside your practice field, please feel free to contact us to see how The Higgins Firm can help you and your client.

Judge Bill Higgins Public Service Scholarship

The Higgins Firm is proud to announce the creation of the Judge Bill Higgins Public Service Scholarship for a student who possesses aninterest in public service. To learn more about the requirements or how to apply, visit our scholarship page here.

  • I’ve used lots of local attorneys. Mr. Higgins was quite different, his attention to detail and prompt follow up clearly showed me that all of his clients are important, big and small! Not to mention he won my case. G. Chad Baker – Client
  • Mr. Higgins really knew his stuff, and He was always quick to handle any of my concerns. If your seeking fast acting knowledgeable representation look no further. Call The Higgins Firm today!
  • Jim made a unsure situation comfortable. He always returned calls, answered all questions no matter how dumb. It turned out, the last half to be an enjoyable experience. I would highly recommend Jim to all I know. Nancy P – Client
  • What Makes a Great Nursing Home and How to Find It Eventually, many of us will spend time living in a nursing home. This does not need to be a negative or stressful transition. Instead, it can be a

Johnson Johnson Ordered to Pay Millions in Damages from Talc-Powder Trial AGAIN.

A jury in St. Louis just delivered the largest verdict against Johnson Johnson in the talcum powder trials. There have been around 2,400

  • What Happens If Your In An Accident With A Self Driving Car? The futuristic dream of self driving cars could be a reality sooner than many people realize. In fact self driving cars already exist. Companies like
  • 200 Prosperity Place

    Knoxville. TN 37923

    Phone: 865.297.5411 Toll Free: 800.705.2121

    We serve the following localities: Davidson County including Nashville; Shelbyville; Tullahoma; Hamilton County including Chattanooga; Knox County including Knoxville; Madison County including Jackson; Maury County including Columbia and Spring Hill; Montgomery County including Clarksville; Putman County including Cookeville; Robertson County including Springfield; Rutherford County including Murfreesboro and Smyrna; Crossville; Sumner County including Gallatin and Hendersonville; Williamson County including Franklin; and Wilson County including Lebanon.

    Chattanooga Personal Injury Lawyer The Higgins Firm website – Car Accidents, Wrongful Death, Medical Malpractice and Workers’ Compensation

    Memphis Personal Injury Lawyer The Higgins Firm website – Workers’ Compensation, Nursing Home Abuse, Medical Malpractice & Car Accidents

    Nashville Estate Lawyer The Higgins Firm website – Wills, Power of Attorney, Probate of Estate, and Conservatorships





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    Top 10 Weekend Business Ideas with Little to No Startup Costs #new #business #loans

    #weekend business ideas

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    Tour Guide

    Those lucky enough to live in a tourist hotspot could start a business as a weekend tour guide. Walking tours are all the rage, and lend themselves to unique themes. Bike around historic districts, and learn the hidden stories in cobbled streets and family businesses. But before you start collecting fees, talk to your city tourism department about leading tours. No doubt they’d be happy to give you permission to promote tourism in the area, and may even help you plan lucrative routes. Once you’ve become established, consider compiling your expertise into podcasts or guidebooks, or even investing your profits in a fleet of Segways. Segway tours typically charge $60 or more per person.

    Farmer’s Markets

    Demand for local food is in full swing. Take advantage of the local food craze by starting a business selling at farmer’s markets. Visit your local farmer’s market and talk to the Market Master: she can tell you what’s overdone (tomatoes) and what’s in demand (honey, perhaps). Spend a few hours during the week preparing your wares, and sell all day on Saturday, Sunday or both. This business idea can require some advance work, but the benefits are rich. Build relationships with customers and bring them pleasure with your crisp green beans or heavenly baked goods. This piece on Ideas for Rural Businesses here on Bright Hub can get you started. For the skinny on selling on Farmer’s Markets, see my other article called How to Sell at Farmer’s Markets .

    Want to start a small weekend business that you can run out of your home, investing as much – or as little – time and money as possible? Check out these weekend business ideas.

    Freelance Writer

    Everyone is an expert at something. If you’re a good writer, translate your passion into a weekend business by writing freelance content for websites, travel agencies, entrepreneurs and more. Develop a specialty, like writing business plans or How-To guides, and network with local businesses and organizations to provide high-quality copy. If there’s not much in your area, search Craiglist and other sites that list online freelance writing jobs. Freelance writers can work from home and set their own hours, but it’s up to you to market your skills and keep up a steady stream of work. Beginning pay is low until you build up a quality portfolio of work.

    Teach DIY Skills

    Handy with a power saw? There’s a DIY novice who would pay to learn your skill. Demand is especially high around all those independent women who would love to learn how to fix their own leaky faucets without calling their dad. See if you can rent a woodwork classroom at a school or community college, or set up more informal classes in your own garage. Organize workshops around themes: putting up shelves and pictures, plumbing problems, and painting tips. DIY classes can be a satisfying weekend business idea.

    Home Staging

    Weekend entrepreneurs with a flair for interior design can start a business as a professional home stager. Every real estate agent has ’em: those undeniably ugly houses with screaming pink walls, hairy rugs and retro furniture straight out of the ’70s. Talk to your local real estate companies about hiring yourself out as a weekend home stager. Paint the walls a neutral color, tear down those hideous drapes, and improve the look of the home. Network with furniture stores to rent tasteful living room ensembles, and display their logo in return. This could be a time-consuming business, but getting those unsellable homes out of the real estate agent’s hands can lead to rich rewards. A commission of $800 to $1000 is reasonable.

    Weekend Musician/DJ

    Avid guitarist or drummer? Always current with the hottest musical trends? Starting a weekend business as a musician or DJ might be right for you. Local bars are always looking for live talent, especially if you charge a low fee or tips only to get your foot in the door. DJs are needed for weddings and middle school dances. Including setup and tear-down, gigs usually run anywhere from three to seven hours for a night.

    Green House Cleaning

    Many household cleansers contain toxic ingredients. These ingredients leach into the environment and contaminate the water we drink. Moreover, their harsh chemicals can spark allergic reactions in children and adults alike. There’s new interest in cleaning households with green products, ranging from baking soda and vinegar to commercially sold cleansers food in natural food stores like Whole Foods. Why not start a weekend business as a green house cleaning service? Market your business to an upscale clientele who will pay for the coveted “organic” label. What’s more, they’ll boast to their friends about their green credentials, and those referrals will boost your profit margin. If you’re into the green movement but not into doing other people’s dirty work, check out this article for more green business ideas .





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    Make Legit Money Return Phone Calls 4 Cash-Legit Internet Business-Legit Online Business-Legit Residual Income-Legit

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    Graffiti Removal Services in South Africa – Expert Graffiti Cleaners of Graffiti Walls #graffiti

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    Welcome to Graffiti Removal Services G.R.S. We trust you will find our site useful and informative in preventing and combating unsightly Graffiti. Please feel free to contact us for advice on Graffiti or high-pressure washing related assistance.

    Recently South Africa has witnessed a substantial increase in building and fixture vandalism also known as Graffiti tagging . Unfortunately, Graffiti is often offensive or of a racial nature. Furthermore, unsightly Graffiti decreases property and area values, negatively impacts on retail sales and in some instances, may even encourage petty crime.

    As such, we have established Graffiti Removal Services. As a company, we specialise in the removal of unsightly Graffiti caused by individuals also known as taggers who mainly use spray paint or paint to vandalise public and private properties, buildings, signage, fixtures and road signs.

    At G.R.S we strive to provide an effective long-term solution to Graffiti vandalism, offering a dedicated service and operating with integrity at all times. We have been registered on municipal databases as a supplier offering Graffiti removal products and services. In addition, we have done numerous Graffiti removals for corporate companies, shopping centres, schools, residential and business complexes.

    G.R.S uses products from the most advanced patented water-based technology in the world. This ensures that the products are user-friendly, biodegradable, extremely safe to work with and furthermore guarantees effective Graffiti removal processes with desired results. We are the sole suppliers in South Africa of this combination of unique Graffiti removal products and services.

    Our cities, properties and recreational areas have been vandalised for too long. It is time we take action and restore them to their original Graffiti-free condition.





    Life Insurance With and Without a Medical Exam #aig, #aig #direct, #term #life #insurance,life

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    A Look at Medical Exams vs. No Medical Exams

    Many term life insurance carriers require a medical exam when you apply. Some don’t. Here’s a look at the impact of having an exam or not.

    Term Life Insurance with a Medical Exam

    It might seem inconvenient (or even unpleasant) to get a medical exam. but it can benefit you.

    The Term Life Insurance carriers that require a medical exam want to get an accurate idea of your health situation. It helps them to rule out health problems, identifying conditions that might increase your risk of dying. Once they know about your health, they can assign you an appropriate rate based on risk. If you’re healthy and your risk of dying seems low, you’re likely to get a lower rate than someone with health issues.

    The medical exam is usually performed by a paramedical professional or nurse. For your convenience, you can schedule it at your home or place of work. It usually takes about 30 minutes or less. The exam consists of basics such as checking vital signs, a blood test and urinalysis. In some cases, the carrier may want additional tests, such as an EKG/ECG.

    While having a medical exam isn’t usually something to be concerned about, be aware that it can reveal a health condition you weren’t aware of. Also, if you are declined term life insurance based on what the exam reveals, it could impact your ability to become insured elsewhere.

    Term Life Insurance Without a Medical Exam

    Term life insurance policies that do not require a medical exam tend to be more expensive than medically underwritten policies. That’s because, generally speaking, the carriers average out everyone’s risk and charge accordingly. So, if you are in good health but choose to purchase term life insurance that does not require a medical exam, you may end up paying a higher premium than necessary.

    Most of the term life insurance carriers that do not require a medical exam will still inquire about your medical history and lifestyle. Based on your answers, they might set the premium rates higher or lower.

    Some companies issue policies without asking any questions about medical history. This increases the risk to them, so they tend to charge higher premiums and set lower coverage amounts.

    Term Life Insurance With a Conditional Medical Exam

    Some term life insurance carriers require a medical exam only if it seems warranted after asking health and lifestyle questions. For example, if they find out that you are a smoker, had a serious illness or want a high coverage amount, they might require an exam.

    To learn more about term life insurance and the application process, contact AIG Direct today. Our licensed professionals can help you decide if having a medical exam as part of the application process makes sense for you or not.





    How to Start a Business With (Almost) No Money #business #internet

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    How to Start a Business With (Almost) No Money

    You re excited to start a business. Maybe you have an idea, or you re just fascinated with the idea of launching and growing your own enterprise. You re willing to take some risks, like leaving your current job or going without personal revenue for a while. But there s one logistical hurdle stopping you. You don t have much money.

    On the surface, this seems like a major problem, but a lack of personal capital shouldn t stop you from pursuing your dreams. In fact, it s entirely possible to start and grow a business with almost no personal financial investment whatsoever — if you know what you re doing.

    Why a business needs money

    First, let s take a look at why a business needs money in the first place. There s no uniform startup fee for building a business, so different businesses will have different needs. It s important to first estimate how much you need before you start finding alternative methods to fund your company.

    Consider the following uses:

    • Licenses and permits. Depending on your region, you may need special paperwork and registry to operate.
    • Supplies. Are you buying raw materials? Do you need computers and/or other devices?
    • Equipment. Do you need specialized machinery or software?
    • Office space. This is a huge expense, and you can t neglect things like Internet and utilities costs.
    • Associations, subscriptions, memberships. What publications and affiliations will you subsribe to every month?
    • Operating expenses. Dig into the nooks and crannies here, and don t forget about marketing .
    • Legal fees. Are you consulting a lawyer throughout your business-development process?
    • Employees and contractors. If you can t do it alone, you ll need people on your payroll.

    With that said, you have two main paths of starting a business with less money: lowering your costs or increasing your available capital from outside sources. You have three options here:

    Option one: Reduce your needs

    Your first option is to change your business model to demand fewer needs as listed above. For example, if you were planning on starting a company of personal trainers, you could reduce your employee expenses by being the sole employee at the start. Unless you need office space, you can work from home. You can even do your homework to find cheaper sources of supplies, or cut out entire product lines that are too expensive to produce at the outset.

    There are a few expenses that you won t be able to avoid, however. Licensing and legal fees will set you back even if you cut back on everything else. According to the SBA, many microbusinesses get started on less than $3,000. and home-based franchises can be started for as little as $1,000.

    Option two: Bootstrap

    Your second option invokes the idea of a warmup period for your business. Instead of going straight into full-fledged business mode, you ll start with just the basics. You might launch a blog and one niche service, reducing your scope, your audience and your profit, in order to get a head-start. If you can start as a self-employed individual, you ll avoid some of the biggest initial costs (and enjoy a simpler tax situation, too ).

    Once you start realizing some revenue, you can invest in yourself, and build the business you imagined piece by piece, rather than all at once.

    Option three: Outsource

    Your third option is all about getting funding from outside sources. I ve covered the world of startup funding in a number of different pieces. so I won t get into much detail, but know there are dozens of potential ways to raise capital — even if you don t have much yourself. Here are just a few potential sources for you:

    • Friends and family. Don t rule out the possibility of getting help from friends and family, even if you have to piece the capital together from multiple sources.
    • Angel investors. Angel investors are wealthy individuals who back business ideas early in their generation. They typically invest in exchange for partial ownership of the company, which is a sacrifice worth considering.
    • Venture capitalists. Venture capitalists are like angel investors, but are typically partnerships or organizations and tend to scout businesses that are already in existence.
    • Crowdfunding. It s popular for a reason: with a good idea and enough work, you can attract funding for anything.
    • Government grants and loans. The Small Business Administration (and a number of state and local government agencies) exist solely to help small businesses grow. Many offer loans and grants to help you get started.
    • Bank loans. You can always open a line of credit with the bank if your credit is in good standing.

    With one or more of these three options, you should be able to reduce your personal financial investment to almost nothing. You may have to make some other sacrifices, such as starting small, accommodating partners or taking on debt, but if you believe in your business idea. none of these losses should stand in your way. Capital is a major hurdle to overcome, but make no mistake — it can be overcome.





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