23. July 2016 · Comments Off on Collector Car Insurance – Top 6 Benefits of Specialty Collector Car Insurance Companies · Categories: Car Insurance

People who own and drive collector cars have different needs for their collector car insurance than they have for their cars that are driven every day. A collectible car is by definition “special”, and so it has special considerations to take into account when it comes to insurance. Your everyday insurance provider that insures the vehicle you drive to work is accustomed to dealing with claims on modern cars that depreciate in value as they age, and the average owner doesn’t notice the difference between a $2000 paint job and a $10,000 paint job. A company that specializes in collector auto insurance has several key benefits to offer the collectible car owner.

Benefit # 1: Lower Premiums – A collector car is normally only driven on a limited basis, stored indoors, not driven in bad weather, and generally leads a “babied” life. Most classic car insurance companies are also somewhat selective in who they will insure. These two factors allow the classic car insurance company to charge much lower premiums than conventional insurance companies, because they know that the collector’s car is less likely to be in an accident.

Benefit # 2: Agreed Value Coverage – Most classic car insurance companies offer an Agreed Value policy, which means that you come to an agreement with the insurance company on what your vehicle is worth before the policy is written. If you have a total loss accident or theft, an Agreed Value policy will reimburse the total amount that was agreed upon when the policy was initiated. Very few conventional insurance companies offer a true “Agreed Value” policy. They offer a “Stated Value” or “Stated Amount” policy has a clause that allows them to only pay what they “think” the car was worth, and it makes the assumption that your collector car is depreciating like a typical used car!

Benefit # 3: They Understand Your Needs – Specialty collector car insurance companies understand your needs better than a typical insurance provider does because in many cases the insurance agents and possibly even the owners of the company are car enthusiasts or collectors themselves. They realize how much your collector car means to you, and they understand the importance of the car being repaired correctly so that it retains its value. When presented with a claim they will give you much less argument and more leeway to get your car repaired the right way the first time.

Benefit # 4: Repair Shop Of Choice – Many everyday insurance companies will only pay a set rate for collision repair at a high-volume body shop that does average-quality work on modern cars. If you take your car to a shop that specializes in restoration work, you may be left footing the bill for the difference in cost. Many antique car insurance companies will allow you to take your car to a specialty repair shop, and they will pay what it costs to have the car repaired the right way by a craftsman that is skilled in restoration work.

Benefit # 5: OE Parts – On a similar note, many everyday insurance companies will only pay for less expensive aftermarket repair parts. Using non-original parts can reduce the value of your vintage car considerably, as they may not fit as well as original equipment parts and an all-original car is always worth more. Many specialty insurance providers allow for the higher cost of using original equipment parts.

Benefit # 6: Perks and Special Situations – Some collector car insurance companies offer many other types of benefits, such as coverage for spare parts, memorabilia, tools, car trailers, coverage for overseas transport, etc. Some even offer medical coverage for personal injuries that occur at car shows, and “event disruption” insurance that reimburse car show entry fees and non-refundable hotel deposits if you miss an event due to a mechanical breakdown on the way there!

All in all, specialty collector car insurance companies have a lot of advantages for the classic car owner. If you own and drive a collector vehicle, you will find that an everyday insurance policy from an everyday insurance company is severely lacking in comparison.

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22. July 2016 · Comments Off on 9 Lessons Learned: Cards · Categories: Financial

How Credit Card Processing Works

The chances of finding someone without a credit card is very rare because most financial institutions are urging their customer’s to get one, they will even include an offer like, get a credit card from us and stand a chance of winning a fully paid trip to Hawaii. It is said, “People with credit cards spend more than people without, and they will spend more money on irrelevant thing that they will never use.” If it is true, it’s upon credit cards holders to testify, but the most important aspect is how much one incurs when using the cards.

It is a good idea to understand the cost of transaction on your credit card and how the fees are distributed from the card bearer to the recipient account. As soon as the credit card holder goes to buy some product from a shop, there are different methods of payment that can be used such as, cash or through your credit card. Most people purchase using their credit cards, once you have issued your credit card to the merchant they will use a credit card machine to transfer fund from your account to theirs.

The moment the credit card is swiped on the credit card machine and the credit card machine will send a signal to the credit card holder bank seeking authorization to deduct funds from the holders account, once the bank has confirmed that the holder is eligible to purchase the product and has enough money, they will issue a request to the holder to enter an authorization code either on the machine or through their device in which the funds will be transferred to the merchant account. The transaction takes place in matters of seconds and all the credentials of the credit card holder like address, accounts and balance are kept secured by the gateway system encrypted in the card.

The credit card system works in two steps one is the settlement of the funds, and the other step is the authorization of funds transfer and both stages incur a charge to the card user. When one of the steps fails, the process would be decline because for the funds to be transferred all the steps ought to be met successfully. The charges on the transactions are incurred in both of the two stages first on the card holder, a percentage is charged on the credit offered and also on the merchant who uses the credit card machine a fee is charged on the transaction by his or her bank thus the price of the commodity sold will be received less than the sales price deducted from the purchaser.

Source: http://www.jcount.com/business-needs-offer-multiple-payment-options/

20. July 2016 · Comments Off on With Computer Software of This Quality, Anyone Can Work from Home · Categories: Advertising & Marketing

In the past, the only individuals which were equipped to work at home ended up the privileged few accountants as well as insurance plan sales guys that happened to already have houses around the key highway in town as well as peculiar portrait artists and freelancers. The power to work from your home was an element that individuals can only even consider doing. The web transformed all those things, and made it so that currently almost anybody utilizing the correct abilities, a very good work ethic along with a crystal clear business strategy plan can create a supporting income from your own home. Whether one has got some sort of quick order enterprise, a stockroom in their backyard or even is just living off of residuals attained by means of marketing other guys’ products on their behalf, the number of strategies to possess a home-based business within the period of the world wide web will be abundant and even increasing.

Rather than being forced to engage a host of pros provide the insights that are required within this electronic age in order to control one’s brand and and keep up to date with exactly how someone’s organization is currently being perceived with the community eye, utilizing a software platform like Chatmeter will certainly function as a digital crew of co-workers in the small percentage of the expense. Your Chatmeter platform affords the information that the business supervisor needs in order to make knowledgeable judgments affecting his long term growth plus, that contain the capacity to increase income.

15. July 2016 · Comments Off on 3 Services Tips from Someone With Experience · Categories: Financial

The Importance of Considering Credit Card Processing into Your Business

Every business are looking to get things done easy and fast and when you are involved in a marketing type of business, then you will want to make sure that you will incorporate and accept credit card payments through the help of credit card processing companies. Technically speaking, these are basically services that you will hire from credit card processing companies and what they do is they process the credit card transactions that are generated in your website, which includes the approvals and the denials that run through your shipping department.

If you are looking to have credit card processing incorporated, then a lot of things can actually be achieved, one of which include the assurance that everything that is happening during the transaction is tracked, which should start from everything down to the smallest of details from authorization of the credit card user and the transaction itself, if it was approved or declined during the process.

If you are to consider investing on credit card processing companies, then chances are that you will greatly save time and effort right off the bat because you will then save time in terms of authorizing the owner and even save time in checking if the payment went through to your bank account. It really is important that you will consider such into your business as this will then give you the assurance that customers will not have to rely on slow money transactions processes, which also is something that should lead them to consider other businesses instead.

However, it will not be easy to find and land on the best credit card processing company because each business has their own specifics when it comes to the fees and method of transaction. Make sure that you will also opt to check the overall skills and capabilities of the credit card processing company because this will then be where your business’ development will depend.

Technically speaking, not everything is what they seem, reason why an intensive research on the reviews and feedback that the credit card processing company has had over the years is yet another factor that you should also check as this should then give you a better understanding on their overall service and quality. You may also choose to ask for recommendations, given that these are from people and sources that are legit and trusted.

Source: http://www.financeswire.com/customers-make-sure-you-always-put-them-first/2259

15. July 2016 · Comments Off on The Art of Mastering Cards · Categories: Financial

Credit Card Processing Companies – Things to Consider in Choosing

Given the fact that there are many important factors that you need to take into very careful consideration when you are looking for a credit card processing company, you will find that this task is a lot harder than it may seem. You need to understand that while it is true that this would require for you to conduct a serious research in order to make your search successful and your decision a wise one, there is good news in the matter and that is the fact that you don’t really have to become a very technical person when it comes to this. You will be able to determine that you are making the right choice when you see that they are fully capable of meeting your expectations and can even go beyond that. Getting as much details as possible is something you need to do in order to make sure that you will be able to make the best choice regarding the matter. In choosing the best company that would provide credit card processing services for your needs, you will find that there are things that would be able to make things more convenient for you and they can be found in this article.

The fees you would be paying is the first thing you need to look into. Different companies have different policies regarding the matter and some companies would charge on a per-transaction basis while others do it in other manner. In order for you to avoid having troubles down the road, understanding every bit of the details in this matter is very important for you to do, so make sure that you don’t skip it. This is one of the things that causes a lot of problems for a lot of people in the long run, which means you would be better off by taking care of this right from the start.

You also need to look into the approval rating in this. You should know that you aren’t the only one that would do some homework because most companies also do theirs. This is considered to be a standard protocol before making any approvals. Therefore, making sure on your part that things would be running smoothly as far as your records are concerned is your responsibility. Preparing everything right from the start would help make things proceed easier. Everything would simply fall into place if this is done right.

There are certainly more things that would be able to help you make your search easier in this matter. You can learn more about them through more research.

Source: http://urbangeekz.com/2016/07/5-reasons-business-needs-mobile-payment-solution/

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