All About Property Investment in Canada

Canada is the best place for property investment. Many foreign investors are interested in buying property in Canada. As real estate investment in Canada offers some value. There are many advantages of buying the investment property in Canada. Although Canada is less expensive place to live and the standard of living is high.

How Canada come up as a Hot Investment Destination?

One thing that makes Canada a unique place is a beautiful landscape that has left with a large unspoilt and undeveloped locations of Canada. The mixture of modernism with the rustic charm of natural features and attractions is what defines Canada.

The near by cities of US-Canadian border have much developed to be in count of modern twenty-first century cities. Canada has enjoyed the pleasure of getting the maximum status in the worlds top most livable cities. This is because of the huge development in the country. Focus on development of Canadian cities is the major factor of becoming it as the hottest property investment destination of the world.

Why most of the people prefer property investment in Canada ?

Property agents, foreign investors and Canadian citizens are interested in buying the property in Canada, as Canada becomes the most desirable place to live. So the property investment in Canada is also becoming the most attractive prospect. Moreover, the property in Canada has good value because of the increasing demand day by day and as a reaction of which the value of property will also go on rising day by day. The most beneficial part of purchasing property in Canada is that the land is less expensive and the cost of living is lower but the standard of living is high.

Following are the ways to find the investment property in Canada:

-Talk to people. Let them know that you are looking for property and sometimes the property will come to you through them. There are lots of people who havent listed their property but want to sell.
-Online searching. Use internet for searching. Open any browser, enter the type of property, along with the city name where you want to invest in.
-Pay attention to different sign boards like “For Sale by Owner”. Owners often do this to get direct buyers without spending much on ads.
-Search abandoned properties. This type of property, owner might sell cheap.
-Contact to some good property agents. They will charge you but you will get your desirable property.
-Old FSBO ads. Find one/two months old “For sale By Owner” ads, Call them and if they have not sold their property yet then they may be ready to deal. Sometimes owners give up the effort, but still interested to sell.
-Put an ad in the newspaper might help you to generate few calls.
-Talk to bankers might help you to get cheaper property if they have not yet listed it to some real estate agent.

CATEGORIES : Investment/ AUTHOR : careerbusiness/ 0 Comment

How To Earn Money Online Genuinely Without Investment

There are many legitimate and practical ways to make money online these days. Though there are some jobs that are relatively easier than others, earning a sustainable income from the internet is not easy or quick. It takes hard work, discipline and dedication. Here are some ways in which one can earn money online with minimal investment.

If you have good writing skills, you can become a freelance article writer. Here, your work would involve writing articles revolving around various topics which you would then submit to online directories. You could either write them in batches and sell them as a package to a number of clients. Potential clients include small businesses, blogs and marketers. You may also offer your services for hire per article and let your client direct you on how to write them.

You could also write specialized articles for magazines and other publications. This is practical where one has some journalism background or is passionate about a particular topic. There are publications willing to hire such writers in pretty much any niche that one may think of.

One may also make money by helping local businesses increase their significance on the internet. Many small local enterprises are struggling to do this. You could help them in areas such as SEO, setting up an email list or teach the proprietors some web 2.0 basics. Many proprietors would be willing to pay for your services if you can deliver results.

As more internet-based businesses continue to be established each day, the demand for virtual assistant services continues to rise. Virtual assistants are used for research, finding things, making phone calls and doing light tasks. You could set up a blog or site to offer such services.

There are many people who do not know how to sell stuff over the internet. You could offer to sell their merchandise at a commission. This could gradually evolve to a business where you buy wholesale items online and retail them at a profit. A good place to begin would be garage sales where you are likely to find good items at bargain prices.

Another popular and easy way to make money is by enrolling in affiliate marketing programs. This applies to a situation where firms pay affiliates to attract clients to their brands. You generate a substantial income if you have a site with a steady flow of consumer traffic.

Another easy way to earn money online by participating in paid surveys . Market research firms get paid by manufacturers to gather consumer feedback. The firms then share a portion of their earnings with the participants. There are hundreds of survey firms that are willing to pay for your opinion.

CATEGORIES : Money and Bank/ AUTHOR : careerbusiness/ 0 Comment

New Regulatory Body Set To Transform Britains Wine Investment Industry

NFIB and WIA to Provide Better Protection for Wine Investors

Millions of Britons enjoy drinking it and many now see it as a long-term investment. Unfortunately, fine wine has also become a focus for fraudsters who trick investors into buying wines or vineyards that bear little resemblance to what they see in the prospectus, or may not even exist. The increasing number of such rorts in Britain has led to calls for action to be taken to protect investors and to increase consumer confidence in fine wines. In the upshot, the UKs National Fraud Intelligence Bureau (NFIB) is joining forces with the newly-formed Wine Investment Association (WIA) to tackle the problem.

On 14 February 2013, the NFIB and the WIA jointly announced the launch of the new self-regulatory body which will aim to transform the growing wine investment industry by providing better protection for investors in the UK. The WIA has been formed by leading figures from the fine wine investment industry and seeks to support the sector’s growth through voluntary regulation, establishing best practices and setting up processes to identify fraudulent activity.

Director of the NFIB, Det. Supt. Dave Clark, said: “Fraudsters will always follow the money, wine investment is just the latest in a long line of investment opportunities that are being exploited and corrupted to the detriment of the industry as a whole. He added that the NFIB sees the creation of an auditable framework of self-regulation as a step towards maintaining and increasing consumer confidence, while also identifying investment companies which do not operate in accordance with the required high standards.

New Code to Tackle Wine Investment Frauds

Following an extensive consultation period, the WIA has set out the standards and procedures with which its members must comply to remain in good standing. Under the new code of conduct to be drawn up, wine investment firms will undergo stringent audits by accountancy firm Mazars. These will include checks on systems such as stock rotation and to make sure that purchase orders and invoices tally. The director of the WIA, Peter Shakeshaft, revealed that companies which successfully complete the independent audit process commissioned by the newly-formed regulatory body will bear a WIA logo offering consumers a trustworthy safety kitemark. Shakeshaft added: Our industry has been held back far too long by unscrupulous practitioners and issues around fraud. The WIA will really hold the industry to account.

CATEGORIES : Investment/ AUTHOR : careerbusiness/ 0 Comment

Body Drench Quick Tan – The Best Product on the Market

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Sunless Tanning Spray – The Best Product on the Market

Body Drench was first established in the early 1980’s and their mission is to help tanners achieve the perfect tan. They have created a line of professional sunless tanning products that boast high quality ingredients and specialized formulas. Their first product was a body moisturizer. In 1985 Body Drench came out with sunless tanning spray products, accelerating lotion and a UV amplifying lotion and today Body Drench is a well known product in the cabinets of thousands of consumers. They guarantee high quality ingredients that result in flawless and healthy glowing skin.

Quick Tanning Mist is a sunless tanning spray that dries quickly, gives a smooth and natural tan while nourishing the skin with multiple botanicals and conditioners. This tanning mist features a refreshing coco fragrance and a convenient spray that even works upside down for those hard to reach areas. Body Drench Quick Tan Sunless Tanning Mist is the fastest and easiest way to achieve a natural golden looking tan that lasts up to 7 days.

“I LOVE this product. I can not believe first of all, how easy it is to apply. The mist is so consistent, reliable and convenient. Just aim and spray. Second, this special formula dries extremely fast. I can apply just minutes before I have to get dressed. I would recommend this product to anyone. It is the best streak-free sunless tanner on the market and will have you looking like a bronzed beauty in no time” Says cosmetologist Kellilynn Marie.

Sunless Tanning Sprays are a healthy alternative for those who want to preserve their skin natural beauty and youthfulness.

Purchase this Professional Sunless Tanning Spray by Body Drench for $13.99 at Beauty Stop Online.

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CATEGORIES : Market and Franchise/ AUTHOR : careerbusiness/ 0 Comment

Active Stock Market Timing

Much has been written about the virtues and dangers of active stock market trading, or market timing.

Most of the pundits and so called “experts” will tell you that stock market timing doesn’t work, that it’s dangerous, and that “buy and hold” is the best and only way to invest.

But this conventional wisdom is patently untrue. Here are the facts based on my research and extensive real time experience.

If you want to be a successful stock market timer, you need three key elements:

1. A system that actually works.

2. Discipline to follow the system.

3. Patience to stick with the system long enough to make it work for you.

And its tough to do all three.

Heres why:

Most market timing systems dont work. Or dont work consistently enough to be valid. Some will work in trending markets but get slaughtered during flat times. Most systems dont work in all markets.

Investors lack the discipline to follow a proven system. Once an investor finds a viable program, he or she needs the discipline to follow it. Sadly, some either cant or wont do that. When they let their own judgment or intuitions interfere, they dont get the results they want or could have enjoyed by simply following the buy and sell signals they receive.

Investors lack the patience to stick with their system. Many investors are constantly in search of the Holy Grail, a program that never loses a trade. The fact is, no method will win every trade, and investors without patience will find themselves hopping from advisor to advisor with no rewards to show for their efforts.

However, there are a number of proven systems available that recognize these pitfalls and successfully time the market to massive profits year after year. Anything you hear or read to the contrary is simply not true. Wall Street has a vested interest in opposing stock market timing because it is a threat to their very existence.

Investors have two choices. They can pursue the conventional wisdom of buy and hold and hope for the best, or the modern investor can educate himself and find a timing system with which he is comfortable to protect and grow his wealth. There are a number of proven options available, but the absolute worst thing one can do is listen to the pundits who tell you that stock market timing” doesn’t work.

CATEGORIES : Market and Franchise/ AUTHOR : careerbusiness/ 0 Comment

Claims Payment Record Of The Private Insurance Companies

As we know, there are 20 odd private life insurance companies in India, and there is LIC which is a public sector company. LIC is the 800 pound gorilla, managing to hold on to about 75% market share even 10 years after private companies have been allowed into the life insurance space. The private life insurance companies position themselves on being more customer friendly, wider array of products etc while LIC holds on to its positioning of trust, experience and government backing. One of the key parameters on which to judge a life insurance company is their claims payment record. At the same time, we must note that given that life insurance has become more of a savings and investment product, the returns that they provide are perhaps more important than claims payout ratios. Nevertheless, claims record is definitely not a variable to be ignored.

A table illustrating the claims rejection percentages of the top life insurance companies in 2009-10 is presented below:

Life Insurance Company
Claims rejection ratio (%)

LIC 1.21%
Aviva 9.75%
Bajaj Allianz 5.2%
Birla SunLife 10.62%
HDFC Life 4.67%
ICICI Prudential 3.27%
ING Vysya 4.26%
Kotak Mahindra 4.29%
Max New York Life 12.31%
MetLife 5.94%
Reliance Life 7.05%
SBI Life 14.75%
Tata AIG 12.3%

An important observation from the above table is that the claims rejection ratio of LIC is the lowest, thus implying that their record is the best as far as claims payment is concerned. At the same time, the very high percentage of claims rejection of SBI Life and Max New York Life surely comes in as a surprise.

It must however be noted once again that in Unit Linked products that life insurance companies promote aggressively (or at least was promoting till Sep 2010) , the returns earned on the fund is perhaps a more important variable than the claims payment (or rejection) ratio. However, for non life insurance companies, which offer pure protection/insurance products with no savings or investment component, claims payment is the crucial variable along with the speed of processing of claims.

Let us now look at the incurred claims ratios of the non life insurance companies:

Non Life Insurance Company
Incurred claims ratio

New India Assurance 89%
Oriental Insurance 99.69%
United India Insurance 78.62%
National Insurance 99.16%
Royal Sundaram 68.95%
Reliance General Insurance 77.3%
Iffco Tokio Insurance 83.44%
Tata AIG 60.54%
ICICI Lombard 85.35%
Bajaj Allianz 71.9%
HDFC Ergo 80.73%
Bharti Axa 104%%

One data point that stands out from above is that Tata AIG General Insurance seems to be sourcing the best quality business from the underwriting point of view, whereas the claims payment ratio of Bharti Axa seems to be quite high. Alo,the claims payment ratio of the public insurers, at an overall level, is higher than that of the private non life insurers.

CATEGORIES : Tax and Insurance/ AUTHOR : careerbusiness/ 0 Comment

Importance Of Shipping Insurance

Insurance for health, home, and life insurance are frequently heard of but shipping insurance is new type of protection for the items you are shipping. Regardless of whether the items to be shipped are cheap or valuable, protecting them in the transit is important. Though shipping companies are reliable and try to protect the goods, the conditions are not always predictable. There are chances that your shipped items could be damaged or lost, thus, it is wise to choose the right cover and opt for .
Shipping insurance covers insurance parcel coverage for shipments of all shapes and sizes for both domestic and international shipments. When you purchase single package insurance youll be assigned a unique ID for your package that will let you be sure your package gets their safely. Insurance is provided for the full value of your package to protect against everything from damage to theft to the package being lost in shipment. Insurance companies offer various solutions to help your business with shipping insurance for businesses shipping large or small volumes on a daily basis. The shipping insurance will insure each item in your shipments so youll be protected against lost or damage items. These shipping insurance services are offered on both domestic and international cargo shipments.
Given below are tips to help you select the right cover for your shipping items:
1.Diverse shipping covers have varied forms of rules and regulations. Shipping companies offer insurance cover on various types of items. You need to know what is included in loss or damage policy. You must know the time frame in which you can file a claim.
2.You should never assume that automatic shipping cover is enough as at times shipping companies will add a small charge to the total shipping costs, which provides cover for the item but it is not safe option if you’re shipping a high-value item.
3.You should have a solid proof of an item’s value that is insured. Because while filing insurance claim, you are required to furnish the documentation. Receipts are provided for most of the items however you need to have other documentation for other items, including photographs and certificates of authenticity.
4.It would be wasteful investment if you buy too little cover, to avoid such a situation it is good to determine the exact values of the item that you are shipping.
5.Don’t overpay for cover in case the cost of insuring a shipped item is equal to the value of the item itself it would prove to be wasteful investment again.
At InsureShip you will find very attractive rates on single package shipping insurance and custom policies to meet your needs. InsureShip provides insurance services for many companies in different industries like Ecommerce, direct response, retailers, ebay sellers, etc.

CATEGORIES : Tax and Insurance/ AUTHOR : careerbusiness/ 0 Comment

Changing Dynamics Of Indian Car Market

Ford Cars one of the best International passenger car maker yet to make a marked presence in Indian Automobile Sector
With a market share of 3.5% in Indian passenger car market, Ford India has 4 models Figo, Fiesta Classic, New Fiesta and Ford Endeavour in its portfolio

With the entry level hatchback Figo in both Petrol and Diesel models Ford India though has been able to increase the sales but yet to achieve a substantial share in Indian passenger car market. However, the class and technology of Ford cars are world class one of the main reasons of low growth is a high concentration on entry segment hatchbacks in India. With a huge network Maruti Suzuki and Hyundai along with Tata Motors captures over 2/3rd of the market share, rest car market is spread among various car manufacturers looking for a pie Honda Siel Cars, Chevrolet India, Fiat, Nissan, Renault, Toyota, Skoda, Volkswagen, Mahindra & Mahindra and luxury segment of Audi, BMW and Mercedes Benz

Ford India as per its future strategy seems to have an all aggressive plans with upcoming launch of Ford Eco sport along with Ford Endeavour in Indian car market. The proposed classification strategy of Ford cars seems to be
a) Entry Segment will have Ford Figo
b) Mid Entry Sedan Segment will have Fiesta Classic
c) Mid Sedan will have New Fiesta
d) Entry Level SUV will have Upcoming Launch of Ford Eco Sport
e) High End SUV in budget of Rs. 20 Lac will see Ford New Endeavour coming in Indian Car market

Chevrolet India, the very next competition to Ford also has market share under 4% , but with higher number of models Spark, Beat, Uva, Aveo, Tavera, Optra, Cruze and Captiva. Chevrolet India another American car maker is yet to make a marked presence in Indian car market. However, the new Captiva and Trail blazer will change the dynamics of Indian automobile Industry in SUV Segment which is been captured by Toyota Fortuner.

The dynamics of Indian Automobile Industry is poised to change with almost 50 new models or facelift models are expected in next 12 months. With the market share tilted towards Maruti Suzuki commanding over 40% of passenger car market in India. With new models coming in it will by sure make the presence of American and European car makers Volkswagen and Skoda to see an enhance market share as part of business strategy.

CATEGORIES : Market and Franchise/ AUTHOR : careerbusiness/ 0 Comment

Tax Accountant San Ramon, CA Becomes One of the Top CPA Firms for Local Business Owners

Tax Accountant San Ramon CA has become one of the top local CPA firms which provides local businesses, corporations and individuals with tax preparation, accounting and planning services.

With California’s declining revenues, the Franchise Tax board will be paying much closer attention to businesses’ tax returns in 2011. Accountants predict an increase in audits as corporate tax returns will be highly scrutinized during the next tax season. The results of an incorrectly filed tax return may lead to an extensive audit of company’s financial statements and records, as well as a possibility of incurring numerous fees and penalties.

“I always consult my tax accountant for my business’ record keeping, and hire a professional CPA firm to prepare my corporate tax returns,” says a resident of San Ramon, CA, who owns a small local business. “It is better to pay a professional who knows what they are doing than deal with IRS and FTB over a mistake on a tax return!”

Clients who are looking for a new CPA can safely rely on Tax Accountant San Ramon CA to professionally handle all of their tax and accounting transactions. This includes expert advice on long-term investment strategies, counseling during real estate purchasing, and a number of other financial services, which range from individual income tax preparation, to businesses, non-profit organizations and corporate accounting and record-keeping.

Tax Accountant San Ramon CA is a local firm with years of experience in the tax accounting field. It provides its clients with tax preparation services, business accounting, and expertise and sound advice on the best ways to keep good financial records. This ensures accuracy during tax preparation and safeguards business owners and individuals in an event of a tax audit.

Well-established accounting firms are experienced in working with FTB as well as IRS, and can often provide clients with invaluable assistance relating to their individual and business tax concerns. They typically also have connections to other experts in the industry, which enables them to provide a full range of financial, accounting and tax services for their clients. This is why San Ramon, CA small businesses, larger corporations, individuals, fiduciaries, and tax exempt organizations choose Tax Accountant San Ramon, CA as their preferred accounting firm. Call today for more information: (925) 361-2382.

CATEGORIES : Tax and Insurance/ AUTHOR : careerbusiness/ 0 Comment

Insurance Lead Generation Using Google Adwords

Google AdWords is simple: you make ads which Google shows to the right of regular search results. Your ads appear when somebody researches keywords you’ve selected which you want to be associated with . For example if you have an internet website that sells life insurance, you might want your own ad to look to the correct of Google results when men and women look for insurance protection” or related words.

Different from conventional advertising, you don’t pay Google when it shows your own ad; you pay only when someone clicks your ad. If somebody searches Google for life insurance, Google exhibits your own ad near articles as well as news around life insurance. If someone researches Google for the key words, you know they’re in all probability looking for the offerings. AdWords may thus be the wonderful alternative when you need to direct the ads to the specific audience, such as prospects seeking life insurance. AdWords can be the shape of direct marketing, a lot like direct mail or telemarketing, so which your own content to be presented individually to every possible client.

AdWords might also be an easy option when you have merely the few dollars for reaching your audience and acquiring life insurance leads. Even though AdWords mat be an cost-effective advertising platform, know that there are LOTS of others focusing on popular significant phrases such as “life insurance”. Since AdWords doesn’t bill a set price per ad, you bid on the key words which you need to display your ads as well as those bids are in competition with others (e.g. other insurance professionals). If you bid high than everyone else who bid on the same essential phrase, your ad is likely to show near the top of the sponsored ads. For example , if you set the maximum bid of 45 cents for the word “life insurance”, as well as the following highest bid is actually 33 cents, Google gives the ad priority among the paid ads it shows when someone looks for “life insurance”. But with a popular key phrase such as “life insurance”, probably the top bid will be fifteen dollars per click as well as your bid of forty-five cents will make which your ad is actually never shown.

When deciding who gets top exhibit position among the sponsored ads, Google takes into account the bid and factors the number of individuals who click on each advertisement, giving preference to the a lot more good ads. You cannot, therefore, purchase the top placement unconditionally but your own bid is the most crucial ingredient in determining how a lot of views your own ad gets.

The key when you have fantastic at using AdWords will be uncovering key words where you have inconsequential bid competition however you acquirehave noticeable traffic. As soon as you hit on the hot spot of essential words for the follow, you have a great manner for obtaining leads.

CATEGORIES : Tax and Insurance/ AUTHOR : careerbusiness/ 0 Comment



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