How To Get Your Internet Marketing Business Started

Do you have an idea for an internet marketing business but aren’t sure how to set it up or make it successful? Or, do you want to make money on the internet but aren’t sure how? Have you ever wished that you could be one of the people that make their living from internet marketing?

Starting a new online business or taking an existing business online can seem intimidating or overwhelming, but learning how to start an internet business doesn’t have to be complicated.

Like everything else, if you make a plan and take it step by step, you’ll be up and running in no time.

There are just some basic things that you need to consider and actions that you need to take, in order to create a successful online business:

Find out if there is a market for your idea or product.

Find your potential customers.
Build relationships.
Create your product.
Create your website.
Market your product.
Take the payments.

These are the fundamental steps to successful online marketing and you’ll find lots of free information and how to’s on the internet in articles and forums, to help you put each step in place.

Alternatively, you may be someone who likes to have all the information in one place and, again, you’ll find lots of offers for courses and guides on how to start your internet marketing business, on the web.

One of these products, that I’ve recently reviewed. is the Internet Business Start Up Kit, which I’ll use as a basis for what you need to be looking for in a guide to internet marketing.

The Internet Business Start Up Kit, produced by Neil Stafford and Neil Travers of KTS Publishing, is designed to be a one-stop source of information, resources and back-up needed to create your own internet marketing business from scratch and get sales coming in as quickly as posssible.

The manual, reports, DVDs, CDs and online training facilities provided as part of the Kit and its Bonus sections take you through all the steps of creating an online business in a logical and easy to understand manner.

Subjects covered include, market research, listbuilding, product creation, forming a website, copywriting, and marketing techniques. All set out with full details of what to do and how and when to do it.

The information in the manual will enable anyone to:

Find a viable market using the keyword search techniques provided.

Learn the benefits of blogging and set up a blog quickly and easily to create a list of hungry customers.

Discover where to find all the information needed to create a well researched and saleable product.

Save time and set up a product website simply and without specialist knowledge, using the website templates provided.

Easily write sales letters and email copy, without any copywriting experience, using the sales letter templates provided.

Implement a marketing campaign using suitable techniques for your product.

Set up the payment facilities for your online marketing business, and see the cash come flowing in.

All this basic information required to get an internet business up and running is set out in the main printed manual, reinforced by the additional reports and presentations included, with further backup tutorials and advice available online.

Particularly useful is the step by step manual, which is clear and comprehensive and set out in an easy to understand and logical manner, guiding the user through the various stages of creating their business and securing sales.

Neil and Neil have given a wealth of information here, including links to sites and resources that they use themselves, in order to make the process even easier for the user.

This is an important aspect because, although much of the basic information could probably be found by some extensive online searching, just the benefit of having it presented clearly and logically in one place, is well worth the modest outlay, even without all the additional training and backup facilities included.

A part of the manual which deserves a special mention, is the section on creating your website and email campaign sales copy. Maybe a daunting task for most people, this is reduced to a simple fill-in-the-blanks exercise, using the proven and effective sales letter templates provided. Well worth having.

In addition, it’s not necessary to be an expert webmaster to construct your website, as the Resource CD, which accompanies the manual, contains a wide choice of easy to use web templates and many other useful resouces, enabling a website to be set up, without extensive previous experience.

Included with the kit is a trial Gold Membership of the Internet Marketing Review. An invaluable resource to anyone setting up or running an internet business.

On the Internet Marketing Review site, there is a huge amount of useful information in the form of training videos and articles, giving even more advice on all the aspects of getting a business started and profitable, plus the latest tips from the two Neils about new ideas and what’s currently working for them.

The Internet Marketing Review also has a very active members forum, a good place to meet up with and ask advice from other successful marketers, who are very friendly and keen to share what they know.

It’s well worth checking out the public area of the Internet Marketing Review to see what’s available there.

I do have one criticism of this product and that is, there’s no guide to the contents. So you really need go through it all and make your own.

On the plus side, having done that, you’ll have reviewed everything once and know where to go back to, when you really need it.

And, there is a lot of solid information on getting started, provided in the Kit, that is worth reviewing several times to get the most benefit from it. Plus many useful ways to further improve your business once it is running.

Overall, the Internet Business Start Up Kit provides sound, practical step by step guidance, well laid out and explained for anyone without previous internet business experience.

It contains everything needed to get an Internet Business up and running, set out in a clear and comprehensive way and, at £79.95 is definitely worth considering.

Now, if you’re thinking of buying an all-in-one guide to setting up an internet marketing business, use this information to help your comparison.

And whichever one you’re considering, bear these four important points in mind.

1. Check that it covers all the elements you need, including the how, why and when, of what to do at each stage of creating your online business.
2. Check out the people involved. Forums and blogs are a good way to find out what sort of reputation they have.
3. Don’t just believe the sales letter. It’s really good to get a personal recommendation.
4. Check out any guarantees offered. Products often have some form of money back guarantee period, like the Internet Business Start Up Kit.

So, however you choose to find the information you need, I wish you every success with your online marketing business.

And, remember, it all happens when you take that first step!

Dental Insurance And Individual Health Plans

You could rarely find and buy individual health plans that also cover dental hygiene. There is useful information that people should know particularly if they consider buying the policies separately.

It is estimated that about 45 million Americans currently don’t own any dental insurance policy. Most non-elderly citizens who own individual health plans also own dental hygiene policies. However, majority of people who buy health insurance plans by themselves do not have dental insurance. This data is based on a report released by Centers for Disease Manage and Prevention.

While individual health plans cover several added services like basic emergency care in addition to costs of prescription drugs, they logically are not necessary to include coverage for adult oral care. Nevertheless, for health insurance policies for children, dental services are needed.

In March 2010, reforms to the healthcare insurance coverage were set. However, despite the push exerted through many advocates, that bill did not include the wider dental component. Supporters and proponents of the reform argued that each health plans already cover costs for other pressing health problems like diabetes and heart diseases.

About 75% of 172 million Americans under age 65 years (who own private health insurance plans) have dental insurance plans as well. Their employers mostly supply the health insurances. Among those with separate dental protection, more than a quarter of them have comprehensive plans with dental insurance while one fourth have stand-alone plans. Some have both.

About 90 million Americans own individual health plans through Medicaid and Medicare insurance, which both do not offer dental care programs for adults. There is no figure available regarding public health insurance plans. Medicaid shoulders dental take care of people under 21 years old. The insurer currently serves up to 45 million people of the low-income group. However, such patients complain about troubles to find accredited dentists.

A separate government-sponsored program provides dental hygiene, albeit limited. It is the Children’s Health Insurance coverage Program. As for the older people, they could always choose to purchase separate dental care policies from health insurance companies.

Do you look for health insurers that also offer dental hygiene plans? Data from the Association for Health Insurance Plans reveal that we now have only a few insurers that do so. Individuals include Cigna Corp, Aetna Inc, Assurant Inc, Humana Inc, as well as UnitedHealth Group Inc. The association represents up to 80 of overall dental insurance plans in america. There are also health insurance plans that offer dental coverage included in health policies. They include several and specific programs from MetLife, Principal Financial Group Inc, and Azure Cross Blue Shield Association.

Experts advise people to purchase dental care insurance policies even if they currently own individual healthcare plans. Purchasing separate plans is more advisable especially because it might be very hard, if not impossible, to find and purchase health insurance policies that also include dental protection.

Internet Marketing – Draw Traffic To Your Site With Content

Content is the most important factor in drawing traffic to your web site. Internet marketing requires more than just developing a web site and hoping for the best. Providing useful content is imperative to the success of your internet marketing endeavors. There are several ways content can boost your sales, bring visitors to your web site, and increase your profits.

Internet marketers must place the appropriate keywords on their web sites if they expect a high ranking in the search engines. Depending on the nature of your business, finding the most searched for terms on a particular topic will bring visitors to your site. You must provide fresh content on a regular basis if you expect the search engines to find you. You can also increase your subscriptions and your clientele by regularly updating the content on your web site. By offering free reports or informational publications you will increase your customer base. People love to receive free bonuses, and by offering them to new subscribers or clients you will surely attract new business.

You can create additional cash flow by using an auto responder to send out multi-part newsletters containing links to affiliate programs or web sites. Your subscribers will love the constant information and they will be drawn to the links you provide. Training courses and multi-part newsletters serve as excellent freebies for prospective clients.

Simply having a mailing list is not enough to find success in the internet marketing industry. You must build a relationship with your subscribers and actively seek out new subscribers.

As an internet marketer, sending out new content in the form of informational articles will establish your expertise in your particular area of business and will allow you to gain the trust of your subscribers. The result will be that your subscribers will be anxious to pay for the services or products you offer. Make sure to not take advantage of this trust by offering low quality products. You will quickly lose the trust you have gained if you do not offer the best your business has to offer.

Internet marketing has one constant rule. A list of subscribers is money in the bank. Cultivate your list with new content and special offers. Affiliate programs and link sharing are excellent money making tools for internet marketers. By providing new content on a regular basis, you can keep the interest of your subscribers and gain their trust as an expert in your field. Keep your mailing list up to date and offer special promotions and freebies to your subscribers. Success in internet marketing consists of more than developing web sites and waiting for the traffic to flow. You must offer unique content and attractive incentives if you want your business to profit.

Many internet marketing businesses have failed due to lack of updated content. Your web sites must be constantly updated with new content in order to draw the attention of the major search engines. Keep this in mind when cultivating your mailing list. You can keep the interest of your subscribers by offering free information and offers of free training courses. Your subscribers will love the attention and the expertise you share with them. Internet marketing is a great way to put money in the bank. Just be certain you are providing valuable, new information to keep your subscribers interested.

Toolbox Tactics in Commercial Real Estate

You may say that the commercial real estate sales and leasing market is difficult at the moment. You will not be the first agent or investor to observe that fact. This is however a major opportunity market with properties adjusting to the beginning of a new property cycle.

You are at the beginning of new opportunity. Tenants, buyers, and sellers are still out there. It’s just that their sales, purchase, and rental strategy has needed to shift. So if you are a commercial real estate agent that works on retail, office, or industrial property, we are going to let you in on a major marketing secret that works tremendously well to generate listing opportunity in this economy and investment property shift.

Moving Your Business Forward?

So how do you move forward in this market to create real opportunity? You create a significant pipeline of opportunity from speaking to many people and helping them with the market adjustment process. This means that the help they require may be a listing or property this year, next year, or the year after, however they will need well qualified and experienced property professionals.

You must be that solution for them. You must be confident in this market. You should use a marketing point of difference and most particularly your ‘toolbox’ to attract and convert the clients that you need.

Sales and Leasing Together

In this market the best commercial real estate agencies specialise in both investment property sales and investment property leasing. In those specialist categories they can bring significant strategy and understanding to the property, together with a ‘toolbox’ approach for the customers and clients.

A great lease will one day support a great property sale. This means that every lease should be planned and structured to optimise the situation for the property owner. This is where ‘toolbox’ stands head and shoulders above generic marketing of commercial real estate services.

Solicitors Awareness of Property

Whilst talking about leases I would like to make an important and relevant observation. In doing so I do not want to upset the solicitors and legal people of the ‘property investment world’ however the following is a real fact.

Most solicitors and legal people that do the lease documents for the investment property owner have little awareness of the actual property in question and probably have not even inspected the property.

My apologies to the legal people that are the exception to the rule!

This random process of lease preparation is not good investment practice, considering that the property lease is to produce a cash flow over a number of years. Solicitors and property agents need to get together and make sure that all the elements of the property that enhance cash flow are well considered and placed in the property lease before it is signed!

In only this way can they bring real strategy and stability to the occupancy and cash flow!

What’s Your Agency Point of Difference Today?

Only yesterday I was speaking to a real estate agency that was working on identifying a point of difference in this market. They realized that the competition agencies they were up against in the market place were doing nothing special to attract and retain new business.

Those competition agencies were simply continuing the same practices of prospecting and conversion that they have been doing for years. They were not offering any new approach or support process to the clients in the market today.

Let’s face the facts. This market today requires experienced real estate agents that can bring solid levels of property strategy to the investor including:

  1. Rental strategies for the long term that match the lifecycle needs of the property owner
  2. Lease documentation which minimises cash flow and vacancy exposure
  3. Strength of tenancy profile that gives an element of prestige to the building
  4. Tenants that bring financial strength and stability to the building
  5. Lease deals that will enhance the opportunity of sale when the time comes
  6. A balance of net and gross rentals to optimise the best return on investment for the property owner
  7. Well controlled building operating costs that are contained within the averages of that property type for the area
  8. An occupancy experience in the property which strengthens the relationships between landlords and tenants
  9. A target market of tenants that are clearly identified and pursued in the marketing campaign.

So this list is in fact the elements of a ‘Lease ‘toolbox” approach to the market. Many commercial real estate agents will generally say that they do these things anyway. The reality is they do not. Most lease transactions today are undertaken in a ‘one off mindset’ with little balance to the long-term future and strength of the building.

In recent seminar workshop I asked the agency staff in a larger industrial agency to tell me what they would do for ‘me acting as the client’ in a lease transaction of a vacant space in a sample building. Many of the agency staff gave me a broad variety of initiatives and processes that were fairly standard in the industry. It was interesting to note that all of these ideas were not ‘bundled and packaged’ into something that was even remotely attractive to the ‘me’ as the property owner.

Let’s understand a simple fact. If you do not logically document and display for the client the stages of your professional commercial real estate property service and give it a name that the can client relate to, you are affectively a generic marketer. This is the major problem in the industry today. The client needs specific help and you must market your services in a ‘toolbox’ approach. Give your ‘toolbox’ a name and then market your business around it.

I also recommend that you use the advantages of PERT and GANTT models to do this ‘toolbox’, given that this great illustration approach really interests most clients. This helps you stand apart from the competition. You become the agency of choice.

‘Toolbox’ is Your Tactical Advantage

Every sales and leasing program should be subjected to the processes of the ‘toolbox’ so that the client knows that the best results, controls, and outcomes are seen to be achievable. The ‘toolbox’ process also suggests that you have a quality control procedure that every property is exposed to.

This ‘toolbox’ is simple marketing; however it can be easily implemented into your agency business making you more professional and desirable as the commercial real estate agency of choice in your region. Your ‘toolbox’ becomes your marketable point of difference. You should have a separate ‘toolbox’ for:

  • Commercial real estate sales
  • Commercial real estate leasing
  • Commercial real estate property management

Within each of these elements of service you should have a specific ‘toolbox’ which supports the property disciplines of:

  • Retail Property
  • Office Property
  • Industrial property
  • Specialist tourism and leisure

Listing Strategy in this Market

Let’s talk about the sales ‘toolbox’ now for a brief moment. In most cases the time needed to sell or rent a listing would be no longer than 12 weeks even in a tough market. After that time a listing becomes stale and a waste of your time. Choose your listings and the time on market with care.

A couple of essential rules need to be set here and incorporated into your sales ‘toolbox’. They are:

  1. Always seek vendor paid advertising – you are not the source of advertising funds to promote property no matter how good you think the property is. Vendor paid advertising sets the foundation of vendor commitment.
  2. Always seek exclusive or sole listings when you can
    – controlled stock is the only way to go. A seller of an open listing cannot be trusted and is likely to ‘shift in the wind’ on who they deal with. It should also be noted that exclusive listings are much more desirable than sole agency listings. It is your choice as to whether you would take on a sole agency.
  3. Always seek to list properties for sale on the basis of a ‘time driven’ method of sale such as tender, auction, or expression of interest. This is the best way to go to get and sustain momentum in the property promotion. Properties that are listed for sale at a fixed or nominated price are likely to be this undesirable hard to sell listings or over priced listings with little momentum. In such situations a buyer will make an offer; maybe that works for you; maybe it doesn’t.

These 3 rules above infer that you are the driving force that creates the quality listing. Nothing could truer. You drive the quality of the listing appointment that you want. If you let the owner of the property dictate the rules of engagement, you are likely to suffer poor results. Remember that you are the expert consultant to help people with commercial real estate needs; you are not the agent that lists everything and anything that comes your way at any price or rental.

In closing this ‘toolbox’ topic, here are some important rules:

  • In every listing know what you are doing and why.
  • Focus on the outcome that you want for the client.
  • Use your ‘toolbox’ as your point of difference to attract the client’s interests.
  • Understand that your time and expertise is precious.

The Importance of Having Physician Lists Handy

Selling pharmaceutical products, medical equipment and services is the niches’ niche. Previously companies and corporations that handle these sort of business transactions often do their marketing internally or have special relationships set up with either health group collectives or certain factions of government supported or aided organisations. Like other businesses, giant pharmaceuticals to even smaller retailers or wholesalers of medical equipment and services (including pharmaceutical grade drugs) have shifted part of its marketing strategies to the virtual worker – where the internet and offline direct marketing can increase their reach and profit margins. This is where the importance of having physician lists handy would be applicable to the direct marketing manager – giving them a highly targeted and volumous list of potential sale leads.

The amount and variance of products that can be found within this niche market is both wide and sometimes overlapping. From general practitioners to dentists, there are many products that either have a general market appeal or specialised products that can enhance the methods and operations of specialist medical practitioners all over the world. Because the lists are highly concentrated and more often than not verified multiple times, you are ensured of having a several groups of potential clients you can use to call and follow up on.

The medical industry is booming all over the world – with U.S.A being a prime example of a country that is on the cutting edge of the medicine. Many companies and laboratories are coming up with newer, better and more advanced methods and traditional means of information dissemination just cannot keep up with these developments. These companies are reviewing their methods of personal door to door selling or direct mail – because of the limitations of their workforce and the time taken for leads to be generated. Product insertion into the marketplace also takes quite a bit of time with this method.

This is where the internet comes in, especially with the advances of online marketing and digital fax – an ability to reach over thousands of prospective in a short period of time. Having a physician list handy means you can acquire and target which market to sell to and how the brand of the product you are selling can resonate with certain individuals. It also allows the direct marketing agent to target several overlapping markets and introduce new, revolutionary products that have a wide application. Marketing by its nature should never be limited and having as wide and as targeted a reach as possible means better sales and more leads.

Invest in a good physicians list – it can mean make or break, especially when you are dealing with such a niche market. Competition is quite stiff as well as you have quite a number of corporations jostling for selling space both offline and online. Lists like these have changed – becoming marketing necessities rather than just a complement to strategy. Specifics work wonderfully here and they have helped a lot of people make a tremendous amount of money just working from home.

How Medical Transcription Services Benefit Acute Care Hospitals and Medical Centers

Today, medical transcription services enjoy great demand in acute care hospitals and medical centers, since these lighten the workload and related stress in these healthcare settings. Moreover, medical practitioners and their staff can find more time to focus on providing quality services for their patients. With reliable medical transcription service, acute care hospitals and medical centers can save considerably on time, money and effort.

To deliver high quality medical transcription outsourcing solutions, a medical transcription company will have a team of professionals including transcriptionists, proofreaders, quality controllers and senior editors.

With state-of-the-art dictation tools, technology and software, these experts take care of the entire process of transcription for all types of medical reports including:

• Patient history and physical reports
• Operative notes, consultation notes, narratives, SOAP notes
• Discharge summaries, procedure notes, radiology reports, chart notes, laboratory reports, as well as other medical documents

Medical Transcription Services Come with a Range of Benefits

Medical transcription services benefit acute care hospitals and medical centers in many ways. By medical transcription outsourcing, you can reduce the amount of paperwork in your organization. In addition, it enables healthcare professionals to efficiently manage their patient’s health related records. Backup copies of patient’s medical records are readily available on demand.

With medical transcription services, healthcare facilities including acute care hospitals and medical centers can easily access even old patient records. Physicians can send the medical records across many destinations via the internet, and keep in touch with their patients even if they are out of station. Other benefits include:

• Cost-effective and quality medical transcription solutions
• Helps you save on hiring and maintaining more staff, resources and software for transcription purposes
• Save on employee benefits such as payroll taxes, medical office space, health insurance, paid vacation time, office equipment and many more.
• Reduce workload: Medical transcription service providers transcribe your medical documents efficiently, and thus reduce the workload. You get more time to focus on your core issues.
• Privacy and strict confidentiality of data: The transcription firms take strong safety measures to ensure privacy and confidentiality of all patient data.
• Convenient storage and retrieval of data: The data is stored digitally and can be retrieved easily, thus reducing storage space and paper work.
• Quick turnaround time that can be customized according to your requirements. Normally, it varies between 12 to 24 hours.
• No backlogs.

Find a Reliable Service Provider

To benefit from comprehensive medical transcription service, acute care facilities can depend on a reputable medical transcription company. An experienced medical transcription service provider would be able to offer well-organized and timely medical documentation solutions at competitive rates.

Prior to selecting a medical transcription firm to partner with, make sure that it has enough years of experience, ensures quality assurance, offers flexible dictation options, and 24 hour customer service among other things.

Comparison Car Rental Websites

The World Wide Web, or internet, is by far the most revolutionary invention mankind has come up with. There is an unlimited amount of information available to us with just a few key strokes. Car hire is included in this. We can now compare rates from the major car hire companies instantly. The good thing about this is that the companies are aware that clients can check. This keeps them more competitive and we reap the benefits with cheaper car hire.

With the internet however it does reduce our power to bargain with the companies as they already have the cheaper rates on the website. So the bargaining is already done and it doesn’t matter if you have a provider you prefer. You can still use the internet to get the best price from that branch, if it is more convenient. Whatever the reason, this extra information is good for us.

You can now find the best deals on car hire where ever you are in the world by using a comparison site. No need to spend your valuable time looking for local car operators numbers and spending hours on the phone talking sometimes to someone who may not speak your language. A comparison site will use software that taps into the National Companies live systems and will display the available cars and prices for you to choose from. Bottom line is that you will save money and time.

These comparison sites are ever evolving, working to make the process of booking car hire as streamlined as possible. The site will be easy to navigate providing all the information you need to complete the booking as well as offer you the ability to select any optional extras that may be required during your car rental. These may include Satellite Navigation (GPS), baby seats, additional driver and excess reduction, reducing your liability in the event of any accident. All the information is available at your fingertips, so be sure to read the Terms and Conditions applicable to the car you are planning to hire.

The global economic climate has not stopped travelers from taking their scheduled holidays. Some travelers are shortening the holiday, but overall with the airlines competing with cheap airfares people are still moving around and enjoying travel. You may find car hire rates a little cheaper due to competition and by far the best place to shop is on line for the best deals. Book early for car hire. Don’t expect to show up at a popular airport and get a bargain. You’re there, you need a car, they have the car and you will need to have the money and drivers license. So it will not be cheap. Book well before leaving home and have your confirmation with you on arrival. Remember if you are traveling during peak seasons, you will pay more for car hire, and everything else for that matter. See you somewhere in the great outdoors. Save travels everyone!

Payday Cash Loan – A Short Term Solution For Getting Cash Fast

The payday cash loan is for anyone who maybe in an unexpected financial crisis and needs some cash desperately. The lending institution will advance cash that is to be paid back with your next payroll check.

Online No Fax Payday Loan

The entire idea behind the online no fax payday loan may seem very simple, but there are serious considerations that should be dealt with before hand. One of the most important considerations is to look for the best lenders out there. You can simply use the internet and do a personal search for them. There is every bit of information you need about this topic on the internet. Make sure that the people you are borrowing from are reputable and have no underhand dealings in their business. Always read the fine print.

Another important fact before you take the advance payday loan that needs clarification is that the company states in very clear terms the fees, APR and any other cost that will be inferred. The APR is known to go as high as 400% and should be seriously considered before you opt for it. The cash advance will be made to your account despite the bad credit history that you may be having which may be keeping you from borrowing from reputable firms. Payday cash loans are a good way to tide over emergency situations and make life easier for the time being.

Fax Payday Loan

Once you fill in an online application for your payday cash loan you will need to submit your documents. This is generally done through fax. The documents that you will need will vary from your personal identification to your bank account details. This is called the fax payday loan. However, more and more people are opting for the lenders who provide the facility of a no fax payday loan.

Though this form of credit is your best bet if you have an unusually bad credit score, you should realize that this form of borrowing only increases your liability and debt. It should be avoided as far as possible. Payday cash loans is for those people who live from paycheck to paycheck is a myth that has long been exposed.

It is now being universally accessed by many in the USA for various purposes other than paying bills. Before Christmas last year, about 10 million Americans opted for this loan and within a year, the number of outlets lending these loans has doubled.

Santorini Car Hire

Renting a car in Santorini can give you that extra security and freedom that will make your holiday to Santorini from being good, to becoming exciting.

Before you start your visit to Santorini, it is always important to decide on the places you long to see. If you are sure about which places you would like to see, it would be sensible to reserve your holiday previously, this also goes for hiring a car in Santorini. Many car hire agencies in Santorini offer cheaper bookings for travelers that book weeks in advance; you can even claim back up to 30% or even up to 50% if you are reserving during the weekend. Taking a trip during the off peak season means that you will be able to get a discount on your overall holiday, this also means that car rental during this period is at its cheapest.

If you are renting a car from Isl-Santorini Airport, there are many things you will need to think about if you want your rental to run relaxingly. One of the most important to remember to bring both your driving license (and of course your passport!) with you, you need to own a valid license and an International Driving permit (IDP). It is necessary that you keep your passport to hand and also your IDP with you at all times when you are on the road.

With a car rental in Santorini, you will be able to travel around the whole of this mini island, from its picturesque beaches, to the diverse settings especially the views of its volcano. Although the two popular beach towns of Kamari and Perissa are very close, the mountains between them means that you will need to drive around the mountain as there is no road connecting the two small beach towns. The small towns of Oia and Fira are unusually built into the side of a cliff! This, as well as the Minoan ruins in Akrotiri are all easy to drive to in your hired car.

If you are looking to hire a car in Santorini, there are many rental agencies spread along the islands, providing visitors many choices, from luxury range of cars to the more cost-effective cars. If you settle on hiring a car, you will have the freedom to create your own travel plans that suits you and your family. Even though a small Island, to enjoy you stay in Santorini, book with a car rental agency to make your vacation a more memorable experience.

An Outline of Personal and Business Loan Categories and Their Uses

The number of loan products have increased over the past 20 years as economic necessity and a demanding public in need of specialization to solve financial circumstances. From personal loans, educational loans, business loans and even municipal loans to touch on a few required various industries to be creative. The entities that took part in the creation of the various financial products are actuaries, risk management professionals, “information and informatic engineers” and Wall Street amongst others. It was necessary to create, enhance or break down for better or for worse loan services and products to keep money fluid in a diverse marketplace that required funds to address niche demographics.

  • Personal Loans

Signature Loans – A signature loan is just as it sounds. One applies for a loan and gives a signature on a promissory note to repay the loan in a certain amount of time. That amount of time is called a “loan term ” and may be from six months to five years. Signature loans usually require good credit and the criteria for loan approval are mostly based on the borrower’s credit and and to a lesser degree on assets. Not all signature loans have the same parameters for qualifications. Some loans may require the borrower even with good credit to account for assets to show the lending institution for underwriting purposes. The institution may or may not place a lien on the assets but nevertheless wants to have documentation proving that there are indeed financial or physical assets owned by the borrower. Signature loans usually come with lower interest rates than other types of consumer loans like payday loans, credit card advances, title loans and some car loans. More on these topics later. Who are the lenders in signature loans? They range from large subsidiaries of auto manufacturers to banks, savings and loan institutions, finance companies and payday loan companies.

Credit Card Loans – Credit Card loans or cash advances from credit cards are another form of personal loans. These quick loans are more readily available to the general public and does not require a credit check. To obtain the initial card more than likely required a credit check or at least the process of identification for secured credit cards. Credit card loans or advances usually come with higher interest rates and also other fees for having access to the cash. Various entities allow access to the credit card cash advances from bank tellers, check cashing facilities and automated teller machines (ATMs). The fees vary based on source used to access the funds. To lower the fees for cash advances some use check cashing facilities to have the card charged and receive cash back in turn for not having to incur the fees of ATM machines as cards are assessed a fee twice; first by the ATM company and also their bank. The interest rates on credit card loans or advances are usually higher than signature loans. There are some states that have usury laws that have lower interest rates on credit cards. The loan or advance on a credit card is not a “term loan” as with most signature loans. It is more or less a line of credit the borrower has access to when they need it as long as there are funds available on the credit card. Interest on consumer loans are no longer tax deductible as in previous years. They were designed for short term borrowing needs but many have come to use their credit cards as a regular source of funds in tight economic times or between paychecks.

Wedding LoansA relatively new form of loan to carve out a niche for the lending industry and meet the needs of the increasing costs of weddings is the Wedding Loan. Because of the expense of weddings which can range into six figures, it sometimes requires a personal loan or even a business loan of the families involved to provide a proper wedding. Wedding loans can be secured (using assets for collateral) or unsecured (signature loans) to obtain funds for the ever growing need to pay for the escalating wedding costs and all the various services and products that a successful matrimonial ceremony would need. The credit criteria and the term may vary based on the amount needed and financial status of the people involved.

Payday or Cash Advance Loans is a fast growing market because it usually requires the least of credit criteria used for loan approvals. One can have bad credit for a quick and instant loan. Just having proof of income, proof of identity and a checking account is all that is necessary to secure funds. Even today many have checking accounts without checks one can still obtain a cash advance by asking their bank to produce a one time check to give to the payday loan agency. Many payday loan companies and stores can get approval with no faxing of documents as they utilize other means for proof of income. Although payday loans come with very high annualized interest rates they sometimes are the only source of emergency cash loans for those in need.

Automotive, Motorcylce, RV (recreational vehicle) and Boat Loans – These personal consumer loans are usually not signature only loans but asset based loans. In other words a financial lien is placed against the asset to secure a loan to purchase or refinance the car, boat et al. These consumer loans may sometimes require a down payment of five to twenty-five percent to secure enjoyment and use of ownership. Because these are not funds that are already available as with credit cards they come with a “loan term” from one to six years depending on the choices of the consumer, the marketplace and the credit status. The interest rates can range from very low usually offered by manufacturers of cars, motorcycles, RV’s (recreational vehicles) and boats to very high if the borrower uses a credit card, a finance company or a “buy here – pay here” lender – or the car dealer who finances the purchase of the car by giving the borrower a term of months and years to pay the balance of the loan off.

  • Business Loans

SBA (Small Business Administration) Loans are loans that are given to small businesses which are not able to qualify for a loan from a financial institution for various reasons from lack of business history, lack of collateral to “secure” the loan or not having an adequate credit history. The SBA is not a direct lender but acts as an underwriter on behalf of the bank that funds the loan for the business entity. If the borrower defaults on the loan the SBA will pay the bank a percentage of the balance for taking the financial risk to loan the funds to the business. There are various types of SBA loans which will not be covered in this article but a future article will explain in more detail.

Conventional Business Loans are loans that are either unsecured meaning no asset is used to approve the loan or secured and called “asset based loans” where assets from inventory, equipment, accounts receivable or real estate are used for underwriting for loan approval. Conventional business loans are given to business entities that have great banking relationships, established business credit history with trade lines with other businesses they do business with and good standing with various credit reporting entities like Dun & Bradstreet. There are short term loans with interest only payments with the balance due at the end of the loan usually referred to as a “Balloon Loan”. There are also longer term loans that are fully amortized (principal and interest in each payment) paid over one to five years or more.

Equipment Leasing is a financial instrument which technically is not a loan. Meaning based on tax ramifications and who owns the equipment – leasing is just that – leasing an asset owned by another entity. Leases are usually from large corporations or a bank. The lease term can vary from one to
five years or more and there usually are tax benefits to the business entity in leasing new or used equipment.

Equipment Sale Leaseback is a transaction to use equipment that is already owned by the business or municipal entity to secure funds for the present need for operations. The term can vary from one to five years and the amount of funds can vary based on credit history and a percentage of the fair market value of the equipment. The company then in turn leases the equipment back in usually a monthly payment. The company or the lessee normally has different choices on what they want to do with the equipment at the end of the term. They can roll the lease transaction into newer more updated equipment or software. They can buy the equipment for one dollar or ten percent of the fair market value of the equipment.More and more companies are leasing today as opposed to paying cash or using bank lines or loans.

Merchant Cash Advance is used by businesses that need fast cash and can’t qualify or don’t want to go through the process of getting bank approval for needed funds. A Merchant Cash Advance is also not a loan product but it is the selling of assets or credit card receipts at a discount. In other words the Merchant Cash Advance company buys the credit card receipts and then attaches a fee usually every time the business “batches”, settles or closes the day’s or week’s sales until the funds advanced are paid off. There is no term with merchant cash advances as it is not a loan so there is no set payment amount or period. The paying off of the advanced funds vary based on a the credit and debit card transactions of the day or week.

Factoring Accounts Receivable Invoices enables a business entity that normally has to wait 30 days or longer to be paid by other businesses or governmental entities. Again factoring is not technically a loan but a selling of invoices at a discount for cash now. In a typical transaction the company applies with a Factoring Company and the company looks primarily at the credit of the other business or governmental entity that the company is doing business with. Based on that as long as the client of the company is a solvent business or government agency the invoices are bought and funds are dispensed to the business usually within three days of due diligence on the company they are transacting business with. In other words the funds are dispensed after there is a credit check and processing of the other company. The dollar amount that is advanced can vary from fifty percent of the invoice to eighty or ninety percent depending on various factors such as the size of the invoice to the credit criteria of the other company or governmental entity whether it is a city, county, state or federal agency.

Medical Factoring is a financial transaction that benefits medical entities like hospitals, clinics and various health care professionals that have to wait to receive funds for services performed on patients. Like Factoring and Merchant Cash Advances Medical Factoring is the selling of assets in this case invoices for cash now. In many instances the health care industry receives payment from third party entities like insurance companies, Medicaid and Medicare and state entities that provide funds for those in need of medical procedures. The medical facility or professional in turns sells the invoice(s) on a on going basis or one time for cash now. Once there is an interest is selling the receivables then a Factor steps into analyze the billing so that funds can be advanced. This process can vary in length but is usually shorter in length than the process of getting bank financing.

Contract and Purchase Order Funding allows companies to bid on large projects for governmental agencies, hospitals, universities, prison systems and municipalities or also to sell to larger corporations even if the business does not have the credit or bank approval or the wherewithal to service or fulfill a large contract order. Similar to Factoring which works hand in hand with Purchase Order Funding it is not a loan but a simultaneous transaction that involves advancing funds based on the credit of the governmental agency or larger company and the size of the contract. The funds that are advanced are for the cost in completing the order of products or performing services. So the profit that will be gained is not advanced but the costs as in raw and finished material, transportation, production, labor, expertise and any other costs involved in completing the contract. Once the contract is completed or once an invoice is ready to be sent to the client a factoring company which is sometimes owned by the same company buys the invoice at a discount and the funds that would normally be advanced to the company are usually used to settle the amount advanced for the material and other services that were needed to complete the order. Contract and Purchase Order Funding usually requires large transaction amounts as opposed to factoring that can be utilized for invoices as small as one hundred dollars. With the use of Contract and Purchase Order Funding companies that were locked out of the process of bidding on large contract s may become players in multi-million dollar deals.

Commercial Real Estate Sale Leasebacks are similar to Equipment Sale Leasebacks featured in this article. Instead of utilizing owned equipment to secure cash when bank borrowing is not wanted or not available the commercial real estate is used to access funds now. This can vary from office buildings, medical buildings, retail franchises, industrial buildings and manufacturing to large utility plants. This frees up cash “locked” away in real estate. Many entities find that at the present time the business they are in whether it is retail, manufacturing or another field that the holding of commercial real estate is not in their best financial interest for now. They prefer to put to use funds for their industry. So a retailer selling retails goods decides to focus on the retail operations and to lease the space because that real estate when factored into a myriad of calculations does not fit their financial goals during the present time. Yes the ownership of commercial real estate is an asset and can be used as a security for a loan but may also be viewed as a fixed non-performing entity that does not meet the needs of the business, organization, group or individual that owns the building. Commercial Real Estate Sale Leasebacks are another form of getting access to funds and has increased over the years.