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.…

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 …

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 …

Office Support – What Do Serviced Offices Offer to Small Businesses

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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

How do international students pay for college

Most of the funds for international students come from their families. But not all students have enough money to pay for their college. Then how do students pay for college? The answer is they find other ways to pay the high tuition fees.

Fund transfer abroad can be a daunting task. Many find it hard to pay for their tuition fees when studying in a foreign country. Then how do students pay for college with less money?It is good to search online on How do students pay for college.

We have come up with three ways which will give you a clear explanation on How do students pay for college in abroad.

Students feel that the admission process is very complicated but in reality, it is simple and easy. They just have to find the available options to study internationally and also the universities and colleges that offer financial aid.

 

  1. Schloarships

Scholarships help students to get money for their college fees to continue their education. First, students need to ask for financial aid from a university while applying. Many universities come forward to help international students who are interested in studying and making life better. The scholarships are awarded by the organizations, schools or other businesses for academic students.

Many students think that they don’t get any scholarships and stop before applying. Parents fear to send their children thinking how do students pay for college in abroad.

Some may find it hard to work on the application process. Scholarships have different criteria such as country of residence, age and academic major, the only thing you have to do is to find which scholarship you are eligible for academics.

 

  1. Be Unique from the crowd

Another way for our question How do students pay for college is showing their leadership skills.

Many universities love to give scholarships to students who have leadership qualities. They provide value to individuals who have great skills of being a good communicator, listener and an active team player. The reason behind this is if a student has skills of becoming a leader then it leads him to achieve success in his future career.

If we consider some of the US universities, the cost for international students is more than the US citizens. However, few universities provide scholarships immediately once the university accepts them. Don’t search more about how do students pay for college and start focusing on academics as those who perform well in the academics can receive up to $4000 after their first year which is double to what they received in the beginning.

 

  1. Scholarship Essays for How do students pay for college

A good scholarship essay is becoming a crucial factor as universities are selecting students based on it.

College Essay Writing is a difficult task. Firstly you don’t know your audience and lot of stories come in your mind which trip over each other. Scholarship essay reveals what you are and it leaves a good impression more than your grades and …

Factors to Consider When Choosing a Wi-Fi Service Provider

When you are considering a Wi-Fi service provider, there are a number of factors that you need to consider. One of these factors is the cost of the provision of these services. How much will it cost you to hire the services of a short-term Wi-Fi internet service provider? Are there any setup costs? Does the company offer their engineers and IT professionals to set up the Wi-Fi network for you? These are some of the factors that may determine the cost of the service.

There are Wi-Fi service providers that have been in business for a long period. This means that these kind of service providers will the best for you to choose. The more years a company has been in service, the more experience they have and this may also codetermine the quality of the services that the company provides.

You may also need to consider the speeds of the Wi-Fi internet that is being offered to you. If you are considering hiring a service provider for your events, then you have to ensure that the company has the right equipment to set up a network that will adequately handle the bandwidth requirements of your event attendees. You should visit https://tradeshowinternet.com/event-types/festivals website to learn more about the services offered by Trade Show Internet Company.

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Advantages And Uniqueness Offered By A Reputed Family Office

The vast majority of people do not find it fortunate enough in a situation where they can call upon the services of a family office. For such people, at a wealthier end of the spectrum and who might own important assets of a family office can offer an essential service to both an individual as well as their family. In short, the family offices are the companies that take the whole responsibility for running or advising in the finance sector, assets on behalf of a family.

How Are These Companies Built?

These companies are established by the wealthy families that have a financial clout all combined to make it worthy and at the same time keeping in mind that they can price up to and around 1million or more a year. The overarching intention ranges from more modest sustainable family aspirations keeping the assets and wealth of the family intact in mind to more encouraging and ambitious wealth building desires that might include aggressive and thoughtful investment deals.

What Do They Offer?

In these scenarios, the family offices can go for offering the basic administration of all the financial matters which include tax handling, savings, investments, and accounting. The list also includes professional advice on related matters and actual hands management, for example, placing the investments in an unrestricted manner. A family office can also take bigger responsibilities such as managing other essential aspects as well which include family’s lives along with the legal matters and the regular working of the family’s business.

Speciality Of Family Offices

The term is therefore used to refer to some institutions that provide these services instead of only a type of company and thus some of the providers might also be the individual companies that are established with only one purpose that is fulfilling the role for a particular company. At the same time others might be the specialist companies that serve several families or even the financial sector institutions that offer the families with only a few of the financial components.

Getting The Work Done

The top Singapore family offices that have the time and willingness to manage their businesses but need guidance in their financial accreditations can access services from the top companies such as golden equator wealth for all types of their financial security handling, etc. As the service is based primarily on management and administrative and does not need any extensive financial qualities, it can easily be supplied by the on-site employed individuals.

The Professional And Experienced Family Offices

The specialist companies that had started to come out in the public look more focused on managing the financial components of the numerous wealthy families as compared to the in-house offices that had come out before and were previously famous all across the area. The popularity and growth rate of family businesses in Singapore have been increasing at a high percentage, and shortly, the rate looks only doubled. To gain more information on the matter, follow the given link https://www.goldenequatorwealth.com/.

Reasons Why Entrepreneurs Must Not Overlook Trademarks and Patents

 

Entrepreneurs with new businesses and startups might be caught up in the excitement of running their enterprises without paying attention to their intellectual property rights and trademark registration imperatives. Running a business without legal patents and trademarks is like swimming in shark infested water. It is important to consider the importance of NK Patent Law and trademark early in the business even though you might have other pressing priorities. Legal protection for products and intellectual property can make or break your business.

The reputation many brands have and the decisions consumers make to deal with one company or the other are to a large extent influenced by the trademark of a business. Although many people do not realize it, patents and trademarks are an important asset to any business for the following reasons:

  1. They provide an ideal and effective means for communicating the core values of the business. The logo of an organization can in a single stoke convey the emotional and intellectual attributes, and the messages of a brand. The reputation of the company, the products and services it offers are encapsulated in the trademark. This can be a symbol, design or it can be expressed in words.
  2. The marketplace is a crowded zone of stiff competition, and the best way to influence the purchase decision of customers is to have a trademark that speaks to them by standing out and efficiently communicating your brand message. Trademarks provide an ideal tool for commercial communication that captures the attention of the customers
  3. Brand recognition is important in this era of social media marketing. Your business can effectively use the internet and social media by maintaining visibility in social media platforms. When your brand identity is the first thing visitors see when they hit search engines, the high traffic to your website will translate into high ranking and more customers.
  4. There is value that your trademark can provide to the business that goes beyond your core activities. In time, their value can appreciate and increase the value of your business or brand. It can pave the way for expansion and growth into new markets and industries. If you are ambitious, you can enter into a merger and acquisition deal.
  5. People’s minds can be positively inspired by the brand or trademarks. As a result of the positive attitude a company may be more attractive to the best talents in the industry. The right attitude by the workers can lead to higher employee retention rates. A brand name protected by a trademark can be monetized in future if you decide to sell the business. You can also use it to raise capital for business expansion from other investors.

It is, therefore important to protect your rights to the products, content and materials you have created by patenting them or registering the trademark. The legal protections will eliminate the chances of property infringement that any competitor might have about your business. Your trademark will also give your brand/business a competitive edge …

Small Businesses Benefit From Automated Accounting Solutions

Creating a detailed and accurate financial record of all transactions may be of paramount importance for small businesses. Even minor mistakes made during the accounting and bookkeeping process can lead to serious problems, especially for organizations that may have only modest resources and limited funds at their disposal. Accounting applications and bookkeeping software that can automate the process can be of tremendous value for those seeking to eliminate errors and inconsistencies, create a more streamlined and efficient workflow process or to ensure that accounting and inventory management efforts may be undertaken with greater ease.
Ensuring Greater Accuracy
Inaccuracies, oversights and other errors which are typically the result of a sloppy or ineffective bookkeeping process can become a serious issue. Having to perform frequent audits in order to double-check figures can be both time and labor intensive and the added costs and expenses which are commonly the result of financial mismanagement can quickly add up. Automating the process of creating and maintaining financial records through use of the right FBA accounting software application can allow small businesses to greatly reduce and even eliminate many of the most common and costly errors.
Optimizing Employee Efficiency
Staffing a financial department or being forced to saddle employees who may already be overworked with accounting duties is often very problematic. Small businesses are commonly forced to make due with a limited number of employees and ensuring that staff efficiency levels are able to be kept as high as possible is often an essential concern. Automated bookkeeping and a streamlined accounting process can make a considerable difference—especially in situations where employees may be stretched thin by other duties and competing responsibilities. Faster, more accurate and more convenient accounting methods can free up the time and energy that professionals may require in order to deal with other matters.
Managing Financial Records and Inventory Simultaneously
Applications able to do more than basic bookkeeping can aid in other aspects of day-to-day operations. Tracking both financial information and inventory details at the point of sale through use of an automated application may have numerous potential benefits. Smaller businesses that do the bulk of their sales online and businesses that may already be struggling to manage core accounting and logistical processes would be wise to seek out and obtain the resources and solutions that have the most to offer.
Choosing the Best Software
Ease of configuration and use as well as flexibility and the range of features offered are all important concerns that must be addressed prior to investing in an accounting system or software application. Choosing the wrong resources may do little to alleviate the financial and inventory mismanagement issues that businesses are seeking to avoid. Cost-effective digital resources and applications which may be more readily adapted to the changing needs of a growing business can often provide a superior return of investment. Electing to purchase the wrong software could end up being little more than a waste of time, effort and expense.

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How One Tool Can Transform a DevOps Team

PagerDuty is a fantastic resource for incident management for DevOps teams. They work to produce seamless orchestration for the largest and most prominent businesses in the the world. If you are looking for this type of software, PagerDuty has the best management system that spans many platforms.

DevOps

DevOps teams need the best software to conduct their research. PagerDuty can take these advances and go beyond expectations when it comes to diversity. Using a strong suite of intelligence detection, the company has autonomous features that are applicable for all demographics. You can implement these into your own system and watch the charts soar over a period of time. When a DevOps team needs to refresh its memory, they can contact PagerDuty for another supply of data. Because the data stream is not committed to a certain size of memory, there are nearly no limitations for ideas.

Full stack visibility

One defining feature of PagerDuty is full stack visibility. In other platforms, when you add data to the stack, it can be difficult to track these numbers. PagerDuty keeps these items separate and always on the stack. This is better for both clients and managers. These data driven solutions lead to incredible results that will appear on your profile in both text and picture form. Because the stack is so central to your project, it is important to keep it visible at all times. In some cases, a half stack can be more appropriate for the design.

New deployment impact

PagerDuty also believes in new deployment impact, whereas some industries delay responses for new deployments. This can lead to backups and wasted time in the long run. Because each deployment is tracked from start to finish, its progression will not get lost along the way. You can visualize the impact on charts and graphs that pop out after the process is complete. New deployment impact is one of the most crucial assets to any startup. Without this foundation, it can be tricky to spread the message of your recent developments and make significant progress.

Event intelligence

Event intelligence is paramount to responsive feedback. If you are smart about events throughout the day, you can coordinate teamwork around these timeframes. This will lead to increased productivity that can assist with marketing strategies. Managers who are looking to record incidents can do so via event intelligence and keep these records for the future. One of their key themes is IT alerting in the workspace and in digital media. You won’t notice any gaps or dissonances as you proceed along a project. Event intelligence will guarantee that everything runs in harmony, and if there is indeed an outlier, the inner workings of PagerDuty can address it.

PagerDuty and DevOps work in tandem to produce some of the best applications for managers. You can support these delivery strategies and use them to influence projects in your workspace. With such innovation, PagerDuty has made its name as one of the most prominent companies in the industry.…