Happy People Enjoy Being Alive

Happy people enjoy life. They enjoy the people who they are around, and they enjoy the opportunities that life provides them. They want to get the most out of every single second of their day, and they want to spend as much time as possible with the people who they love.

Happy people are generally positive. They see the future as full of possibilities. They focus on the benefits that tomorrow may bring as opposed to thinking about the challenges that might come the next day. Positive, happy people see challenges as things to overcome. They do not see challenges as things to run and hide behind.

Happy people are genuinely concerned about those around them. They care about their friends, their families, and their loved ones. That’s one of the reasons why, although happy people do not spend a lot of time dwelling on the what if’s in life or thinking about the fact that eventually, they will die, they do take positive steps to protect those who they love in the case of an unforeseen occurrence.

The Whole Life Insurance Company works with individuals who are concerned about what could happen to their loved ones if they died prematurely or even if they died over the course of time as a result of old age. These positive individuals see life insurance not only as a way of protecting their family in the future but also they see whole life insurance as a way of covering themselves financially in the case of an unforeseen emergency.

Life insurance is something a person does not get for themselves. Life insurance is something that a person gets for those around them. It’s something that they get so that they can have the peace of mind of knowing that regardless of what the future brings, the people who they care for the most will be taken care of.

Anyone who has gone through the challenge of losing someone they love and then need to cover the expenses because that individual did not have life insurance understands how burdensome it can be. Thankfully, most people make the positive choice to get life insurance now to protect themselves and their loved ones in the future.…

Captive Insurance Unleashes the Power of Cooperation for Greater Efficiency

Efficiency has become something of a buzz word in the business world today. Companies are looking to get more efficient, and even some industries are trying to maximize their efficiency in order to survive in changing markets. Efficiency ultimately means getting more for less, and this is easier said than done. One of the ways that many firms and entire industries have been able to gain efficiency, though, is through cooperation. When industries know that all players need to cut down on costs in order for each to succeed, this breed an environment where cooperation is more than necessary. It’s why some industries have such good information sharing. It’s also why captive insurance is so appealing.

The captive insurance industry offers something revolution to companies that are tired of just cutting a check every month to their insurance provider. Namely, it provides the opportunity to cooperate and take ownership. The model is relatively simple. Rather than companies paying their premiums to an insurance provider, they pool their money with other industry partners and take control of their own insurance. They basically form an insurance collective. Not only do companies get the necessary insurance out of this, but they also receive a cut of the profits at the same time.

This brings companies back to the original purpose of insurance in the first place. Insurance was first developed because the old shipping industries were so volatile. Companies and countries were shipping things across the globe to facilitate commerce, but they could lose their entire load to pirates or storms or other unanticipated problems. The world of commerce could only work if people pooled their risk and came up with an insurance scheme. Over time, traditional insurance has been perverted in some ways. Rather than allowing people to pool risk in order to keep industries afloat, the insurance world is rife with providers that look to make big profits by not providing what they advertise.

Captive insurance is different. Companies become their own insurance provider. It’s a means of self-insurance that cuts out the middle man, allowing companies to keep more of their profits and become more efficient. It makes sense, too. For instance, if a group of lawyers wanted to combine to insure themselves together, who knows more about the risks and costs of the legal industry than them? Captive insurance gives the power back to the companies.…

Investing In Something Other Than Stocks With FxTrade777

Stocks are boring. There, it has been said. People may like to pretend that they care about what is going on in the market, but the truth is that most people do not. They tend to have some investments simply by virtue of the fact that this is what is commonly offered through 401(k) programs at their place of employment. However, many are yearning for new markets to explore. To invest in something different is to keep investing in general more interesting.


Go to your local grocery store and be surrounded by commodities. You have probably never thought of it in this way before, but that is what is really going on there. You use oil to drive your car to get to the supermarket. You check out the bread and sugar on the aisles. You might even stop and see some pork bellies for sell as well. These are all things that are traded in the commodities markets.

The price of commodities has everything to do with supply and demand. There are not earnings repots to pour over, there are no corporate scandals that tank the value of this asset. In other words, there are simply fewer risks to owning commodities than there are with other types of assets if you are the type of person who worries about some of the things mentioned above. They can be an excellent choice for diversification.tradex1


Virtually all of us have heard of Bitcoin and similar cryptocurrencies at this point. They are everywhere in the news as the latest and greatest thing. The price of Bitcoin in particular skyrocketed through the roof in the last year. While that price has settled down some in the last month or so, there is still a lot of money to be made potentially by those who play this currency just right.

The thing to remember about cryptocurrencies is that they are not tied to a particular asset. Their value is just what the market attributes to them at the moment. Given this, they are very much in flux at any given time. You can find some significant trading opportunities with this, but you just might also lose your money if you are not careful about how you invest it.

Foreign Currencies

If you want to trade in something that will really impress your friends, why not try foreign currencies. The foreign currency or Forex market is open to everyone these days. You just need to have an Internet connection and set up an account with a broker to start trading.

You can start on a demo account with FxTrade777 if you want to practice your strategies before putting real money on the line. Once you have done this, then you are able to see how your strategies might play out in real life. Of course, you do not make any money until you put real money at stake.

Trading in foreign currencies means that you have 24 hour access to the markets, …

Real estate in New York

Today New York has some rules for people that want to get into the real estate business. It might be tempting to try to put together real estate contracts and profit, but to practice real estate, there are some laws which New York requires. You can still put together deals and profit and remain legitimate in the system. It protects you and your assets from a lawsuit. Here are some things to consider and a brief rundown of how to keep all of it completely legal.

The Law

New York state law ARTICLE 12-A §440-a states that real estate brokers and salespeople are all required to have a New York license in order to make a sale Tevfik Arif. There is a process for this. New York does allow a person to contract with a salesperson or real estate broker. That person cannot be the one listed on the documentation of the contracts or purchase agreements. Otherwise the documents and sale are null and void. While this law sounds impossible for those people who are not licensed to practice real estate, there is the option which many use.

How it All Works

When you work under a licensed person you can have full access to everything that is needed to list and sell in the state of New York. Payments are part of the contract that you need to draw up with that person. Commissions and fees area all part of that legal document. When the paperwork for the sale is submitted to the state and taxation offices, the other person is listed as the agent or broker. That doesn’t mean you can’t get paid. It also means that the responsibility falls on that person and not yourself. If you think about it, it’s exciting. you get the money without the burden.

If You Do Want That License

If you do still want to become a licensed broker or real estate agent you can apply. The process is based on the same article of the New York state law. Here are the basics.

– You can get your license under an LLC, personal name, company, firm or corporation.

– You must be over the age of 18.

– You have to be a citizen of the United States.

– You cannot be a felon.

– You cannot have been accused of any sex crime.

– You cannot be accused of any violent act.

– You must list an address for licensure.

The New York License Process

The process is a simple matter of filling out a form which you can download and print from the state website. There is a fee which will vary depending on what category you fall under. The details are listed on the state application.

Renewals and Transfers

If you have already been licensed before in New York or another state, then you can apply for a renewal. Transfers are not possible at this time for New York. The headquarters are located in Albany …

Questions to Ask When Buying Utility Poles

You company needs to buy some utility poles. These are very crucial pieces of equipment. You need to be sure that the poles you purchase are of the highest quality. Otherwise, there might be a risk of them breaking and causing serious property damage and injuries. Therefore, you need to take your search for a utility pole supplier very seriously. Not all of the companies in the utility pole industry take the same level of pride in their work. Here is how you can go about finding the best quality utility poles for the money you are spending.

1. How many poles are you going to need?

You will need to determine the total number of poles that you will be buying. Understand that some poles are going to get damaged and broken when you are installing them. This is a simple reality. Therefore, you should always buy slightly more poles than you will actually need. Having some surplus poles will save you the trouble of having to place a second order when some poles get damaged.

2. Will the supplier you are buying the utility poles from give you a bulk discount?

You might be buying a very large number of utility poles from the same supplier. If this is the case, you should try to locate a supplier who is willing to give you a bulk discount if you agree to buy over a certain number. This sort of discount can be very beneficial for your company. It can save you a large amount of money. There are some suppliers that will agree to give you a bulk discount if you will be buying poles on a regular basis. Call various suppliers in your area and find out if they are willing to work with you on a bulk discount.

3. Can the supplier also offer transportation and installation services?

Buying the utility poles is only one thing you will need to concern yourself with. You must also think about how you are going to get the poles to the place where you need them to be installed. Finally, who is going to handle all of the installation duties. There are some suppliers that will transport and install the utility poles for an additional fee. Ask the suppliers you speak to if they offer these services. If so, how much will they charge?…

Find Best Loan Low Risk

Need to meet payroll for the weekend? A little short on a bill you have to pay on time? If so, the snail pace of a traditional bank loan just isn’t going to cut it. Things happen. Sometimes those things lead to needing money in a pinch. If you need money fast, a short-term loan is the answer to your problem.

There are a variety of different short-term loan options available. One that is overlooked is a title loan, which is a loan taken out against your car’s title. I suspect I would see a rise in the number of title loans in houston tx if everyone had the information that I’m about to give. Here are some of the most important benefits of a title loan.

1. Credit Check – Most loan companies will run your credit to determine your eligibility. With a title loan, this is not necessary because of the collateral you are providing in the deal. If you think your credit score is going to prevent you from getting the emergency cash you need, explore the possibility of a title loan.

2. Borrow What You Want – You are borrowing against the value of your vehicle, but you don’t have to borrow the full amount. Smart consumers choose to take the smallest amount possible in their loan agreement, making it much simpler to pay it off on time. It is important to note that the payment schedule on title loans varies. Be sure you fully understand the repayment terms before signing an agreement.

3. You Can Still Drive – You don’t have to give up your car. Your automobile is simply collateral. This means it will only be taken away if you become delinquent in your payments. For this reason, you should only take out a title loan for an amount that you are certain you can pay off on time.

4. Lower Interest Rates – As far as short-term loans go, title loans come with a favorable interest rate. This is the primary reason so many borrowers choose to take out a title loan versus a more common payday loan. The payment terms and overall savings make title loans a favorable choice.

There is a chance you haven’t even heard of a title loan until today. Now you know that it is a low-risk short-term loan option. On top of that, you will save money compared to a payday loan. If you need emergency money in a pinch, a title loan may be your saving grace.…

“Lawsuit Obsessed Attorney’s Case Against Trump Acquaintance Dismissed Yet Again!”

Felix Henry Sater received positive news last Wednesday when he was exonerated from a $250 million tax court case through a judge’s dismissal that was brought against him by attorney Frederick Oberlander. Oberlander, at one time, represented Sater’s previous business partner and finance director, Jody Kriss, when they were suing Sater’s real estate company for alleged money laundering. Felix Sater is known for his business ties to President Donald Trump through the projects they worked on together with the infamous SoHo Hotel. Russian-American Felix Sater is an investment real estate developer who previously acted as managing director of his firm.

Justice Charles E. Ramos who was presiding over the $70 million fraudulent court case dismissed it after a short argument and briefing on the grounds that Oberlander had submitted stolen documents for evidence. The lawsuit was one of several that have been ongoing since 2010 between the three parties who worked together before the absolving of the real estate investment firm including Felix Sater, Frederick Oberlander and Richard Lerner. Attorneys Oberlander and Lerner asserted that Bayrock was actually being used as a money laundering shell and for other illegal purposes including tax evasion, bribery, pilfering, racketeering, collusion and bank fraud. The case was being heard under qui-tam parlance which permits private residents to sue for the repossession of capital allocated to the state and in return they get to keep a percentage of the salvaged funds. In the state of New York, the law permits triple the amount won under qui-tam cases so the total case’s claim is worth $250 million.

Oberlander divulged that he had constructed his qui-tam claim around privileged and confidential evidence that had been legally removed by federal magistrates. These documents that were removed from the record were done so because they were illegitimately stolen by a previous employee of Saters and leaked to Oberlander. Ramos ruled of their being inadmissible in court resulting in its dismissal. Attorney Robert Wolf, who represents Felix Sater, asserted that this attempt just like the past attempts was foreseen to be inevitably thrown out of court because it was based off of the same allegations and nullified documents as before. Oberlander, in an attempt to delude the public issued a press release that indicated attorney General Eric Schneiderman had agreed to intervene in the case. Schneiderman on the contrary informed the Supreme Court that he had actually refused to intervene. Schneiderman further articulated that the attorney general’s office would keep abreast of the case to safeguard the state’s best interest. Schneiderman and the attorney general’s office are also undergoing a criminal investigation into Oberlander and Lerner’s smear operation.

This isn’t the first misconduct citing that both Oberlander and Lerner have been issued with during court proceedings. On two separate occasions Oberlander and Lerner were consigned to the Department Of Justice for illegal contempt and misconduct during the trials against Felix Sater. Oberlander and Lerner’s efforts to persecute and harass Sater seem to be steeped in an attempt to legally …

3 Major Signs to File Bankruptcy as Soon as Possible

The process of filing for bankruptcy can be an extremely complicated task. However, for a lot of people, it is the only means left to finance themselves. In fact, according to the US Court System Administration Office, there were a total of 796,037 bankruptcy filings as of June 30, 2017. The majority of those were from individuals claiming Chapter 7. Although this allows you to stay away from the verge of bankruptcy, it can negatively impact your credit.

Though filing for bankruptcy should be your final course of action, there are times when it’s the only choice you have. If that’s the case, you need legal help from Groth& Associatesor any other legal services out there. Here are big signs to tell you when you should file for a bankruptcy:

  1. Your Creditors Decide to Take Legal Action Against You

If your creditors plan to take legal action against you, it only means your debts have spiraled out of control. Once this happens, filing for bankruptcy is an action you should do ASAP. When you file bankruptcy at this point, an automatic stay immediately goes into effect. This will prevent creditors from proceeding their action. However, a debt collection lawsuit is an extremely difficult case to win, unless you seek legal help from professional legal services such as Groth& Associates.

  1. Your Debt Increases but Your Income Decreases

If you rely too much on credit cards to cover your daily expenses, you can quickly get covered in debt. The problem gets much bigger if your income is stagnant or decreasing. In such case, it’s high time you file for bankruptcy. Getting huge debt due to poor spending habits isn’t enough of a reason to file. However, if your income has taken a major blow, it makes you a prime candidate for bankruptcy protection.

In case you didn’t know, Chapter 7 is specifically designed for those who have insufficient income to cover their debt.

  1. You’re at Risk of a Foreclosure

Although foreclosure inventory has declined by 28% in the past 12 months according to Black Knight Financial Services, a lot of homeowners out there still struggle with their payments. If you’re one of them, filing bankruptcy can help you keep your home.

This is articulated in Chapter 13, which states that you can keep all of your assets and come up with a plan to repay all delinquent debts. You can dismiss your case after at least three or five years. However, this will entirely depend upon your income. Thus, as long as you’re able to pay the remaining balance on your mortgage and continue paying regularly, you can avoid a foreclosure.

Final Thoughts

Filing for bankruptcy is a decision you shouldn’t take lightly. Before you do so, you have to weigh the pros and cons to make sure it’s an ideal choice. Although it can help you get out of any outstanding debt and provide financial assistance, it can definitely damage your credit. In many cases, getting out of …

The High-Profile Case Against Former Trump Associate Gets Dismissed

Recently a Manhattan court had dismissed a civil tax fraud case for $250 million. This was against Felix Sater, who is a Russian-American businessman. Besides, he had been an associate of President Donald Trump earlier.

Sater is the co-founder of the real-estate company, Bayrock. This case was filed under the qui tam law of New York State. This would give the authority to the attorney general to assign the claims of the state to those whistleblowers who had filed the complaints initially.

In this case, the whistleblower was a lawyer, Fred Oberlander. He is the attorney who had represented Jody Kriss at one time, against a money-laundering case that had been filed against this real-estate company.

Fred Oberlander further stated that his qui tam complaint had been filed based on certain information that was a part of the original complaint. But this information had been stricken by the federal judges from the original complaint of Jody Kriss. All this was disclosed by an attorney who had attended that hearing in the court.

This attorney further stated that it was not good for Fred Oberlander. It appeared that this complaint will get dismissed as Fred Oberlander had used information that had been removed by the federal judges terming it as confidential. Later on, this news was confirmed by Felix Sater and his lawyer.

Eric Schneiderman is the Attorney General. He had refused to intervene in this case last year itself. Also, he had clarified the same by sending a letter in February 2016 to the New York Supreme Court. This referred to a press release by Fred Oberlander that claimed that Schneiderman had been responsible for green-lighting this particular case. The reality was that the State had declined to intervene in this case.

Due to this reason, the attorney general’s office will be monitoring this case in order to ensure that the state’s rights along with interests are protected.

Another fact presented by the attorney who was present for these hearings was that the Attorney General’s office could file this case again as it had been dismissed on the basis of procedural grounds. The merits of the case were never in question. But the office of Eric Schneiderman has not responded to this comment. Another fact is that another lawyer, namely, Richard Lerner, who had brought this case against Sater with Fred Oberlander, plans to appeal this decision by the Manhattan Court.

It was in 2010 that an initial lawsuit was filed against Sater along with Bayrock. This was by its ex-Finance Director, namely, Jody Kriss. He was not involved in this qui tam case that had been brought in by Fred Oberlander later in. Kriss has alleged that this company has been substantially owned and operated by mob in a covert manner. Due to this reason, it has been engaged in several continuous crimes that are related to each other. These include mail and wire, as well as bank fraud. Other criminal activities include tax evasion; besides money laundering; …

Office Support – What Do Serviced Offices Offer to Small Businesses

Image: https://www.baseinc.com/sites/default/files/image-uploads/Base%201016.jpg

In central Bangkok, the number of commercial real estate options is increasing. This is something that is also happening in the rest of the world, but Southeast Asia has been particularly receptive to new ideas. The big cities are experiencing a virtual boom, with flexible, mobile office solutions fast becoming the norm.

Nevertheless, coworking spaces and virtual facilities aren’t for everybody. They tend to suit very small teams of less than ten and businesses that are in the early stages of life. In fact, the majority of Thai companies do upgrade to a more conventional lease in the end. Some manage to combine functionality and affordability by opting for a serviced office.

This article explores the benefits of serviced solutions for small businesses and start-ups.

Maximum Flexibility

 The flexibility provided by serviced offices is arguably the biggest advantage. There is no specific lease requirement when working with these vendors. You can find out more by visiting www.servcorp.co.th/en/serviced-offices/ and reading customer testimonials.

Offices are available on a timescale that suits you. Whether this means two months or two years, it’s your decision. This is very helpful for a small company, as growth is usually inevitable. When the time comes to expand, you’re not locked into a rigid, unforgiving lease.

The Pick of Locations

 The most prestigious and respected office facilities are found in major cities like Bangkok. In recent years, some serviced vendors have branched out to rural areas. However, it’s worth considering a move towards the action, particularly if you want to interest big investors.

The interesting thing about serviced workspaces is that they help small businesses secure locations that might otherwise be out of reach. With their highly manageable payments systems, these vendors make even the most luxurious addresses in the capital accessible.

That One Monthly Bill

 Now, for the defining characteristic of serviced offices in Thailand. They are, for all intents and purposes, just like traditional workspaces. They are privately rented and used. You don’t have to share the space with other tenants. However, they are provided as complete packages.

The monthly fee is paid for the physical space and everything that is needed to manage it. Cleaning, lighting, heating, water, and air conditioning costs are all covered in the quoted rate. This is how going serviced enables small companies to afford luxury spots in the city.

No More Tedious Chores

 The term ‘fully managed’ in this case is as accurate as it gets. If something as trivial as a light bulb blows, all you have to do is call the property management team for a fix. The only thing you need to worry about is supporting your team. Everything else is handled for you.

The serviced facilities in Bangkok are very secure. Tenants cannot access without a unique code. It means that only authorised personnel are admitted into the building. This is another expense taken care of on your behalf, all in exchange for a single monthly payment.

The Value of Being Ready to