Archive

Posts Tagged ‘business’

Discover The Virgin Money Credit Card

June 21st, 2018 Comments off

Australia has seen a lot of change especially in the credit card industry in the past few years. Long before the overseas companies began investing in this young industry, the major banks of Australia had the monopoly in credit card issuance. They charged high annual fees and interest rates such that owning a credit card was more of a luxury than a necessity.

When the big players finally came and raised the competition, these banks had to lower rates and there was a huge race to find out who would take the market by storm. These overseas companies like AMEX came with the policies of competitive rates I the US and UK thus sparking a revolution of sorts as more credit card issuers came up.

One such emergent credit card is the Virgin Money credit card that was launched by Sir Richard Branson, who owns the Virgin Group, in several countries. The card is no longer being issued due to the merger with Westpac, though the card holders will not be affected by the change. The card offers a 0% per annum interest rate for the first six months from account opening on all balance transfers to a new virgin card. This is one of the cards wonderful offers. However, the most outstanding part is that Virgin Money Credit Card holders do not get to pay any annual fee whatsoever. The cards interest rate is a fair ongoing rate of just 14.24% per annum on all purchases.

Another interesting offer is that the credit card holder is entitled to 55 interest free days on all purchases as long as he or she pays off the card in full every month and on time. This is also inclusive of balance transfers. The card holders also get to enjoy 24 hours access to the credit card issuer in case of any queries or arising problems. The card also runs a rewards program called Mates Rates instant awards where there are no fees or any periods of waiting and all the card holder does is to make deals with card issuer on things hey want in exchange for points redemption.

The Low Interest Virgin card can be used in 32 million locations worldwide and 430,000 others in Australia alone. To make payment with the card, you can transfer funds from your account directly to the credit card regardless of the bank. This is definitely an interesting card.

We all try to find the best option for debt solution, and to achieve this may be you will need a no fee credit cards and low rate credit cards .

Temporary Investor Visas

June 8th, 2018 Comments off

Relocating to the USA can be a very stressful and difficult business. There are however, a few ways to better your chances of successfully being granted a visa. One of the best ways of doing this, is to select an investor visa, of which there are two main kinds, permanent and temporary.

The temporary investor visa is called the E-2.

The E-2 visa is commonly referred to as the temporary green card. This is because there is no top-end limit to the visa term and so extensions and renewals can be applied any number of times providing the conditions of your visa are still met.

The purpose of this visa is to allow foreign people who have invested considerable amounts in the US to relocate there to further develop and run the business or businesses that they have invested in.

You may fit the criteria for this visa if you are the investor in a foreign business, or are a vital employee such as a manager or executive, and if you and the large shareholders in the business are nationals of countries that have a long standing Treaty of Trade, Friendship and Commerce with the United States of America.

Executives and other essential employees must be from the same country as the corporation to be eligible for the E-2 visa. You will have to show that you are in the process of making an investment or that in investment has already been made.

The E-2 visa may be suitable for those who wish to invest a significant sum of money in order to either purchase an existing business or to set up a new business. The E-2 visa is not suitable for silent investors as the investor is required to play an active role in the management and direction of the investment enterprise.

Investing in a US company and qualifying for a visa is a notoriously complex task, it is therefore strongly advisable to seek professional, competent legal advice on the criteria you must meet in order to qualify before making the investment.

Once you have chosen your preferred business, our law firm will be able to assist you in the legal process and complex and lengthy paperwork involved in applying for an E-2 investor visa. Go to www.visas4america.com for advice on applying for an investor visa.

Home Insurance: Types of Policies

May 29th, 2018 Comments off

Purchasing home insurance is just as important as the purchase of the home. Because buying a home is such a major financial investment, it is essential to make sure that your home, property, and contents are protected. There are various types of home insurance policies available so it is imperative to understand each type so you can make an informed decision.

The following outlines the main types of home insurance policies:

HO-1: This type of policy is considered a basic for of protection. It insures against fire and lightening damage. A homeowner may purchase this policy for a particularly valuable item such as expensive jewelry.

HO-2: This type of policy is referred to as ‘broad coverage.’ Coverage includes damage from such events as smoke, wind, rain, hail, vandalism, theft, an explosion, removal of items that are threatened by fire damage, glass breakage, and damage cause by falling objects. As well, it also covers snow causing a roof collapse, ice damage, burst pipes, water damage from broken pipes, and damage from a riot.

HO-3: Referred to as a ‘special’ form, or sometimes called ‘all risk’ or ‘open peril’ insurance, this policy insures your home against damage or loss. There are exclusions that will be listed in the policy so you should read what items are excluded. This is the most commonly purchased home insurance policy.

HO-4: This is a tenants insurance policy. It insures the contents and personal items against the same situations as the HO-2 policy. It also covers supplementary living expenses if required such as medical payments. It also provides liability protection. The policy cannot be extended to cover items owned by the renter. It is mainly for protecting the owner of the property.

HO-6: This type of policy provides coverage for a condominium owner who wants to insure items that are not insured by the condominium association policy. They may also want to add personal liability protection.

HO-8: This policy is referred to as the ‘older home’ policy. If you have an older home, some policies may not provide replacement coverage. You may have to purchase a modified replacement policy where the policy will reimburse you for standard building materials.

Some states will categorize these policies under different titles, but they contain the same information. It is important to be aware that are living in a high risk area such as hurricane or flooding area, you will have to pay for extra protection. Some people combine a couple of policies to get complete coverage. Most companies now offer online quotes, so you can easy way to make your selection. Because prices and features can vary among insurance companies, it is essential that you comparison shop so that you are getting the best coverage at the best price.

Because there are a number of insurance policy options available, it is important that you understand each so that you can acquire the right policy that meets all of your needs.

Canadian independent insurance broker delivering car insurance Cambridge, and home insurance London, home insurance solutions in your community and around the world. Visit us in Waterloo and Toronto too.

The Highlands Ranch Realtors and Highlands Ranch Real Estate Market

May 25th, 2018 Comments off

Highlands Ranch has a growing real estate market and the community happens to be one of the most successful planned communities in the nation. The Highlands Ranch area reserves 13,000 of its 22,000 acres reserved for recreational purposes as promoted by many Highlands Ranch realtors. One will find that the 13,000 acres of land have parks, recreational buildings, and trails which help make the community enjoyable. The community activities allow for the residents to live comfortably.

In the peaceful Highlands Ranch area, new home buyers can appreciate the many different organizations, churches, and community activities. If you have any medical needs or are worried about medical care then you will be happy to know that there’s a new Sky Ridge Medical Center. Besides this there are hundreds of specialty shops in the area.

Another attractive fact that many Highlands Ranch realtors will inform you about is that the community is 1 mile East of I-25 and only 12 miles from Denver. For residents that need to commute to Denver this is a pleasant fact. Home owners will find that the community is very convenient as shopping is only a few minutes away. The tree recreational centers that families can visit include such things as pools and gyms. Also close to the community is the Park Meadows Mall, with over 100 stores to choose from.

The Highlands Ranch real estate market has seen steady growth. The town was incorporated back in 1981 and only had 285 residents. Now the community has over 92,000 residents and continues to grow rapidly. When consulting Highlands Ranch realtors you will find out that there are homes available in a wide range of prices. The first price range contains condos and townhouses which range from $100,000 to $400,000. The average price for a condo is $245,000. If you’re in the market for a house then you will be looking in between $200,000 and $600,000. The final price range contains high end estates. These range from around $700,000 to around $1.5 million. Homes tend to average out about $388,000. No matter what your budget Highlands Ranch realtors will be able to find you a home.

You will be able to choose from many smaller communities inside of the area with the help of Highland Ranch realtors. There are many different types of homes and neighbors that you will be able to choose from. Also the themes of the communities range from traditional to contemporary.

Even though the Denver market has been growing, the Highlands Ranch area has seen a surprising growth rate. This is no doubt also due to the respectable school system that the community has to offer. Residents have multiple schools and school types to pick between. Most classrooms, as some Highlands Ranch realtors will tell you, have 18 students per teacher which helps students get one on one attention as they are not overburdened with work. There are a total of 15 elementary schools, four middle schools, four high schools, and two private schools.

Bruce Durrell is a Highlands Ranch realtor who helps clients buy and sell homes and investment properties all throughout the Greater Denver area, Aurora and the southern suburbs. Find more and get in contact with them today by visiting Highlands Ranch Realtors which is full of great information about Highlands Ranch homes before making any decisions!

Woodstock Real Estate Has Homes For All Incomes

May 23rd, 2018 Comments off

Not to far from Downtown Atlanta, up I575 north, sits the unique suburb of Woodstock, Georgia. Once an old rail city in the southernmost region of Cherokee County, Woodstock is now one of the fastest growing cities in the Atlanta real estate market. Like many suburban cities across the United States, Woodstock was mainly a town for first-time home buyers, and middle class families. Recently that has begun to change. There are Woodstock homes for sale to fit every type of buyer.

Now, Woodstock real estate is partitioned out into three main facets. The younger home buying crowd, who are usually single, married, or first time homebuyers. Next would be the largest home buying demographic, which includes home buyers with children, and/or married couples that desire to live in a medium to large size home community. And last but not least would be the retirees who seek the prospering active adult communities.

Over the last decade Woodstock has become an appealing real estate market for first time home buyers. Many adults who grew up in neighboring cities such as Roswell, Alpharetta, and Marietta, have moved to Woodstock and taken advantage of lower Cherokee County taxes, and lower home prices. Lower property taxes, sales taxes, and association dues have helped fuel the growth in this demographic.

Offering plenty of quality, affordable housing, first time home buyers have flocked to this city.Subdivisions like Brookshire, Weatherstone, and The Woodlands, offer a great example of Woodstock homes for sale. With the City’s own new “Downtown Woodstock” development completed, the city now has even greater appeal to the younger crowd. Complete with lofts, condos, and town homes, downtown living has been finally brought to the suburbs.

Small, medium, and large families also love Woodstock, Ga real estate. Neighborhoods such as Towne Lake Hills and Serenade offer great amenity rich living. Towne Lake Hills offers homes priced from the low 200s to the high 800s. Surrounded by golf courses, and shopping, makes it a very desirable location.

The empty nesters and retirees now have a solid stake in the area’s real estate market. Communities such as The Cottages of Woodstock offer much amenity rich living. These 55 and older communities, although new to Cherokee County, have received many positive praises. Modeled after the prestigious Florida retirement communities, these Woodstock goergia homes are sure to please. Why move to Florida, when you can stay in Woodstock near your family and friends?

Before you buy real estate in Woodstock, Georgia, be sure to check out our site. Atlanta Real Estate Woodstock Real Estate.