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Tax Relief On Life Assurance In Ireland

Posted on 27. Mar, 2010 by admin in general

As most people will know Life Assurance is a very important product should the unexpected happen. If the main earner in a household were to die all the same bills would still have to be paid (insurance, school fees, food shopping, telephone etc).

Pension Life Assurance is a great way to obtain great value for money cover. A few points below summarise the product:

- Available if you are self employed of in non pensionable employment (Pay tax under PAYE, is not in a company pension plan)

- Term of 5 to 40 years

- Eligible for tax relief at an individual’s marginal rate.

- Life Cover is subject to Inheritance Tax. Inheritance Tax does not apply where the benefit goes to the clients spouse

For a male 30, non smoker requiring cover of €500k it will cost circa €23.30 (assumes retirement at age 60 and relief at 41%)

Quotes are not currently available online but if you email info@smartquotes.ie with your age, smoker status and cover required we will revert with a quote within 12 hours. You can also check out our pensions page and contact us from there.

Please note that the information above is only relevant to Irish pension customers and tax payers based in Ireland.

About Smartqutoes.ie:

SmartQuotes.ie was founded in August 2009. SmartQuotes.ie is a trading name of PFP Financial Services Limited.

We provide a wide variety of Financial Services and Insurance products at fantastic discounts to Irish internet users.

SmartQuotes is an independent online ‘Irish owned’ insurance provider regulated by the Financial Regulator. We are members of the Professional Insurance Brokers Associations and carry Professional Indemnity Insurance.

You can also rest assured that we work with some of the biggest names in the industry like Canada Life, Zurich and Hibernian Aviva to name just a few.

All figures are correct at the time of publishing. These figures are for illustrative purposes only. If financial advice is required you should contact SmartQuotes (trading name of PFP Financial Serivces Lmited)

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Our Team

Paddy Mahony – Director
Paddy received a Bachelor of Commerce degree from University College Dublin in 2002. Subsequent to this Paddy trained as a Chartered Accountant with KPMG, Dublin. Paddy qualified as a Chartered Accountant in 2005. During his time at KPMG Paddy worked with some of the largest Irish private and public companies as well as a large number of multinational companies.
In 2006 Paddy joined Corless & Associates as Group Financial Controller. He co- founded PFP Financial Services Limited which trades as SmartQuotes.ie in August 2009.Andrew Nevin – Director
Andrew has 10 years experience in the area of pensions, investments, commercial finance and risk planning.

He is a Qualified Financial Adviser and a Member of the Life Insurance Association and Institute of Bankers in Ireland. Andrew joined Corless and Associates in 2004 as Financial Services Manager and was involved in all aspects of Financial Services.
He worked previously with New Ireland Assurance Legal a leading company in the area of financial planning.

He co-founded PFP Financial Services Limited which trades as SmartQuotes.ie in August 2009.–>

Purchasing Property in Mexico – FAQs

Posted on 27. Mar, 2010 by admin in general

Does the Mexican government own my land if I purchase land in Mexico?
Due to recent trade agreements made between the United States, Canada, and Mexico, called the North American Free Trade Agreement (NAFTA), and bank trusts, called Fideicomiso, foreigners are allowed to purchase land in Mexico. American Title companies are also involved in the purchasing process, allowing for secure transactions.

What is the North American Free Trade Agreement?
In 1994, North American Free Trade Agreement (NAFTA) between the United, States, Canada, and Mexico was formed as the world’s largest free trade area, allowing for purchasing land safely in Mexico. The agreement allows for economic growth and rising standards of living in these three countries, while establishing a strong foundation for future growth and setting an example of the benefits of trade liberalization.

Today, nearly 1.5 million Americans own property in Mexico. As a foreigner, the buyer can obtain all the rights of ownership by setting up a bank trust, similar to a US family trust, known as a Fideicomiso.

What is a Fideicomiso?
A Fideicomiso makes a buyer the beneficiary of the purchased property, allowing the buyer to use, lease, sell, will, improve or encumber the purchased property. The Trust does not give direct ownership to the foreign beneficiary. Instead, it establishes the legal basis by which the bank holds the legal title to the property in order to act on the foreigner’s behalf.

The Foreign Investment Law, which was amended in 1993, allows the trust to be established for a term of 50 years and is renewable anytime during its existence. The beneficiary can instruct the bank to sell or lease the property at any time. The bank (trustee) holds the trust deed for the person who purchases the property (beneficiary). The property is not part of the bank’s assets and cannot be liened or attached for any other obligations.

Why was a trust system established?
The Mexican government established the trust system as a protection for foreigners interested in owning property in Mexico. By making ownership pass through the trust process, the bank is required to check ownership, insurance, and liens against the property. There would be an automatic review of the transaction, thus ensuring valid ownership and no outstanding indebtedness of the property

When is a bank trust issued?
Bank trusts are established by a Mexican Notario (Notary), following the receipt of a permit by the Minister of Foreign Affairs. This procedure is routine due to the large number of foreign property owners. The forms are standardized and the entire process is usually completed by the notary as part of the closing procedure

How does First American Title Company ensure property purchased in Mexico?
First American Title Company works to ensure that any claims will be handled in the U.S. without the buyer having to go through the Mexican court system. That means that the title agency will stand by the buyer in response to a challenge to the buyer’s title in Mexico.

First American was the first U.S. Company to issue title insurance policies on Mexican land and it is the most used agency. Its agents are experts in Mexican law, property ownership and transfer system. First American Title Company has been facilitating complex commercial, industrial and residential real estate transactions throughout the country for over twenty -five years. The agency is directly involved with property purchasing for The Pointe de las Conchas.

Why a New Trend of Blue Collar Workers are Outsourcing Their Medical Needs

Posted on 26. Mar, 2010 by admin in general

Copyright (c) 2008 Medical-Tourism-Guide.comBlue collar workers account for an increasing percentage of people outsourcing their medical needs to the medical tourism industry. Uninsured and underinsured laborers are tired of the rising medical costs and the astronomical costs of insurance coverage in developed countries.Case after case is being shared about blue collar workers seeking alternatives to the out of control healthcare costs at home. A typical scenario is that of a laborer who suddenly finds himself in need of heart surgery or a knee replacement. The choice for many of these workers is to either do without the surgery, empty out the lifetime savings account, use the retirement account or sell their home. Like millions of others in need of a costly medical procedure, they simply cannot afford it.In some instances, wait time is also a factor. In countries such as Canada, for those with needs that some of us might perceive to be a priority, there is a waiting list up to a year long. Reportedly, it is the bureaucratic red tape that is often the sole hindrance to timely medical care. A person can literally die waiting for approval for a life saving surgical procedure in a developed country, yet the same procedure can be obtained at a medical tourism destination with little effort.Medical tourism offers hope to blue collar workers and others who are in need of medical procedures but cannot afford them, cannot wait for them, or do not want to use their retirement accounts to pay for the procedure.In some instances, it is not the worker who is making the decision to have the procedure done overseas. Medical tourism facilities have started heavy marketing campaigns to Western employers, particularly those who employ the blue collar labor force. More and more, it is the employer who suggests (and in some instances, mandates) having the surgery done in another country.The bottom line is that the worker in need of a heart bypass can obtain one in another country for $10,000 vs. $70,000 in the US. He can get a knee replacement for $6,000 vs. $50,000! It can be scheduled within a couple of weeks in another country, rather than wait a year or more in the US or Canada.Ten years ago, the concept of medical tourism was new and received bad media coverage in developed countries. It was misunderstood and given bad press. Today, that trend has not only reversed, but medical tourism is being embraced as a viable option for people in need of affordable medical care.Case studies and statistics verify that medical tourism offers top quality medical care in accredited facilities. A growing number of facilities that offer medical tourism are accredited by the IOS (International Organization of Standardization) and the JCI (Joint Commission International).Many of the doctors who work in these medical tourism facilities have studied in the developed countries and then have returned to work in their home countries. A person in need of having a medical procedure done can rest assured that he will be cared for by highly qualified staff, with proficient translators standing by!India has a goal of becoming the choice destination for medical tourists, and they are marketing to the blue collar workers who are need of both medical services and a long overdue vacation. Making the choice to obtain medical services in India means that the average laborer could travel with a companion to a state of the art facility in India, have the procedure done, and recover in a five star resort setting, for about 1/8 of the cost of having the procedure done at home.If India is not appealing, there are multiple other options. Destinations such as Thailand, Costa Rica, Mexico, Singapore and Panama are also exotic choices for the medical tourist. In many instances, post-surgical recovery can be done in a beach front resort. Once the patient has sufficiently recovered from surgery, there are plenty of shopping and activity options available to the medical tourist.The concept of going to a third world country to obtain a package of services that supercedes what is available at home is becoming more widely understood and accepted. Just as the economy has become a global economy, so it is with the medical field. It is becoming commonplace practice for a person to travel abroad for all types of medical procedures. We are seeing, in the 21st Century, that we are truly living in a world with no medical borders!As insurance costs rise at home, and wait time lengthens in the midst of government red tape, blue collar workers are taking advantage of an industry that once belonged to the elite white collar workers. Medical tourism is a viable option for obtaining timely and quality medical services in a vacation paradise, for a fraction of the cost of the same medical procedure in the home country.

A Better Way to Sell a Structured Settlement-via Auction

Posted on 26. Mar, 2010 by admin in general

Structured settlements were introduced in Canada and the United States in the 1970’s. They were introduced as an alternative to lump sum payments, common in insurance settlements and lottery winnings. In the decades since, they have also been accepted as legal financial instruments in England and Australia.

The aforementioned common law countries have decided to include structured settlements in their statutory tort laws. These four countries handle tort law and the structure settlement packages a little bit differently, but the general overall definition applies across the board. In a nutshell, a structured settlement by legal definition is a statutory agreement to pay a specified sum of money over a period of time, on a payment system.

Payment Arrangements

When someone wins a court settlement (or if they settle the case beforehand), the insurance company often gives the winner a choice of taking a specified amount of money in a lump sum, or a bit more money if the insurance company can enter into a structured settlement arrangement. Of course, it is in the insurance company’s best interest to pay the claimant in a structured settlement, because the insurance company can earn interest, during the structured payment cycle, on the full sum of money it would have paid in a lump sum.

The insurance company wins in the profit game, when they get to enter into a structured settlement. They will be able to invest the full sum of money owed, and they get to earn interest or dividends on the money in hand during the payment period.

Structured settlements are most often paid out in the form of an annuity over a period of time. An annuity is also legally classified as a financial instrument. Once again, the financial institution will gain an additional financial advantage, because they can collect interest or earn other kinds of income on the bulk amount, during the payment period.

Annuity And Structured Settlement Buyouts

Structured Settlements for a great deal of clients are the ideal solution. Payments spread out over a period of time allow clients to balance their finances and pay bills in the years to come. Some people get their structured payments $300, $1000 or even more each month. Sometimes they may include lump sum payments many years in the future. This is fine as long as their life is humming along and their bills are being paid. Yet, circumstances sometimes get in the way, and people need the lump sum cash right away to solve some issue that has come up in their lives.

Because annuities and structured payments are a legally-binding financial agreement, those items can be transferred to another person under the terms of the laws that have been set up to manage these financial products.

But, when faced with a serious financial crunch, some people hastily sell their annuities and structured settlements to the first company who would be willing to buy them for a lump sum amount. These companies who are willing to buy-out annuities and structured payments are commonly referred to as “Factoring” companies, because they use “Factors” to determine how much future payments are currently worth, and how much they should buy them for.

The Standard Method of Selling A Structured Settlement – Persistence and Patience (not always used)

We’ve all seen the countless ads on TV from a variety of companies, “Get Lump Sum Cash Now.” For years, people have turned to factoring companies in their time of financial need. Smart consumers will learn from the insurance companies. Have you ever been involved in a car wreck? The insurance company requires for you to get three estimates and then they will pay the company that offers them the best deal. The smart consumer will invest a little bit more of his or her time to make sure they get the best deal for their annuity or structured settlement. They will call at least three factoring companies and get competitive bids from each. Then they will go back to the three aforementioned companies and see if any are willing to beat their best offer.

It can be tiring and time-consuming to follow through in this process, but for the average person, it could be worth several thousand or even tens of thousands of dollars in one’s bank account at the end of the process.

The Better Method of Selling a Structured Settlement – Open Marketplace Auction

A new service has been introduced by www.QuoteMeAPrice.com (QMAP). This website allows Structured Settlement owners the ability to list details of their settlement online, and receive cash bids directly from Top-Rated Funding firms.

The process is relatively simple.

Clients sign up for a free account and list the details of the structured settlement or annuity. Once an account is created and the details of the payment arrangement are known, Funding Firms can log in and make cash bids directly on the purchase of the structured settlement. Each firm can see the current highest cash offer, and if they wish to beat it with a higher cash price, they can do so.

Sellers do not need to worry about being called countless times by salespeople because the contact information of the structured settlement owner is not shared. When a factoring company makes a cash bid on the settlement, QMAP notifies the settlement owner of the new bid via email.

Having settlement buyers compete in an open marketplace lowers the profit margin for funding firms, and forces the lowest possible discount rates to be applied when funding companies compete to buy future payments. This in turn ensures that clients can get the maximum amount of money back from their settlement.

The Importance of Comparison Shopping (actual Quote Me A Price client)

Two siblings had been receiving separate, but identical annuity payouts in the form of a structured settlement from an accidental family member death.

Sibling one got into a financial crunch. When this happened, sibling one called a “Factoring Company.” She was offered a lump sum buyout, and although the offer was much lower than the value of the settlement, sibling number one didn’t realize the importance of shopping the competition, and sold her settlement for $70,000.

Sibling number two heard about the buyout and thought that it would be nice to have her cash now also. But, sibling number two was not as desperate for an immediate buyout. Sibling number two took the time to shop around for a better deal. Sibling two managed to uncover QuoteMeAPrice.com, and they helped to secure the best offer possible.

Sibling number one got a $70,000 buyout and was initially happy with her cash buyout. Sibling number two came to QMAP with the same initial $70,000 buyout offer for the settlement. After working with Quote Me A Price, sibling number two got offered $100,000 for the same settlement sibling number one sold for $70,000. Sibling number two sold her settlement for $100,000 to JG Wentworth who is a partner in the QMAP service.

While sibling number two did get the best possible deal, sibling number one unfortunately has to live with the fact knowing that she made a $30.000 mistake by not shopping the competition.

In Conclusion

Your structured settlement or annuity is the foundation of your financial future. If you find yourself in financial need now, you should at the very least give yourself a couple more weeks to shop your deal to the competition.

You might be telling yourself that you cannot afford to wait, but the truth is that you cannot afford to take the first bid that you are offered. In some cases, jumping at the first offer could be the equivalent of financial suicide to a structured settlement owner.

So, be patient and persistent in the process of finding a buyer for your settlement. And remember, if you are willing to negotiate with a car dealer on the price you pay for a car, then there should be no reason in the world that you should not negotiate with a factoring company when you are looking for a buy-out of your settlement.

The Real Purpose of Classified Ads

Posted on 25. Mar, 2010 by admin in general

Your initial purpose for using a classified ad should not be to get a direct sale. Instead, use classified ads to test your advertisements. For example, AOL has a classified ad service for $6 per ad. You can reword your ad serveral times until you get one that really brings in responses. Then you can repeat that ad in 100’s of other places, knowing that you are spending your money wisely.

If you do not test, you stand to lose quite a bit of money. The advantages of classified ads are as follows:

How to Get Free Classified Ads

Likely, you will be required to pay for all of your ads, however, it may be possible to place free ads if you are giving something away. One technique is to enter everyone that replies into a drawing. You may get hundreds of people that you now know want that item. You give away your promo item, and then follow up with everyone else and try to make a cash sale.

FFA Classified Ads

Free For All – means that anyone can post to their classified ads, and it is free. Unfortunately, these ads do nothing but spam your email address with marketing offers. We recommend that you stay away from ad services like these. They are ineffective, do not get read at all, and instead give you tons of junk mail.

Look for Real Free Classified Ad Sites! They will offer mostly Free general ads and also offer without pressure banner advertising as a competitive price on a voluntary basis.

Here are some ad writing tips especially for classified ads:

Using Classified Ads to Sort

If you place a long distance number in the ad instead of something easily responded to, you’ll get fewer respondents, but they will be more qualified.

Auto responders and Classified Ads

A common classifieds technique is to give them an email with an auto responder. The auto responder can have a much more detailed letter that is sent automatically to anyone that emails. This is also a sorting method, because you won’t have to deal with anyone until they have at least seen your ad, responded to it, and read your auto response message. If they contact you again, you can bet they are pretty qualified leads.

Adbucket.ca provides Canadians with Free Canada classifieds listings to buy and sell merchandise, exchange services or browse Canada classifieds ads for jobs, real estate, items for sale, electronics and entertainment, farms and so on.

Cmhc Mortgage Loan

Posted on 25. Mar, 2010 by admin in general

An insurance that covers a lenderâ??s risk which is linked with financial loss (normally occurring when the person is unable to pay mortgage loan) is known as the CMHCâ??s Mortgage Loan Insurance. CMHC stands for Canadian Mortgage and Housing Corporation. Such non payment of loans increases the demand of this insurance under the best interest rate. The amount of the premium paid under this insurance can vary between 0.65% and 2.74% depending upon the proportion of the buy price or the home value is invested with the mortgage loan. With the help of CMHC Mortgage Loan Insurance, one can be the owner of the property by paying a down payment which can be as low as 5% of the purchase price. It is a good idea to make a down payment of five percent as a minimum of the residence price, but it also depends on the property price -

â?¢ For a solo family and two unit residence – minimum five percent down payment is required.

â?¢ For up to a four unit residence – minimum of ten percent down payment is essential.

But it should be remembered that only Canadian citizens can apply for CMHC Mortgage Loan Insurance.

CMHC Mortgage Loan Insurance has many advantages â??

1. It can be applied to various kinds of housing.

2. It is available everywhere in Canada.

3. It has several flexible products and options to help the buyer in going for the best investment.

In a normal case, the buyer pays the minimum down payment. Sometimes, first time homebuyers receive gifts from the relatives for the down payment. Any promotions offered by the lender and money borrowed from friends and family is acceptable as additional sources of down payment for the borrowers through CMHCâ??s Flex Down product.

Before applying for CMHC, a person should keep following points in mind -

â?¢ The qualifying criteria

â?¢ Is the lender approved by CMHC?

â?¢ The total housing cost including Principal amount, Interest accrued, property tax and heating costs (P.I.T.H.) should not be more than thirty two percent of the gross household income.

â?¢ The total debt should be less than forty percent of the gross income. To get the Total Debt Service (TDS) ratio add up the P.I.T.H. and payments on all other debt / gross annual household income and 50% of condominium fees (if applicable).

â?¢ Take the closing cost (like the lawyer fees, adjustments, land transfer tax if applicable, PST and GST as applicable etc.) into account. This is usually two to four percent of the purchase price.

â?¢ There are certain details which may vary from case to case and one needs to get in touch with the lender to know about them.

The premium of the CMHC Mortgage Loan Insurance is based on the amount of the down payment made and is proportional to the cost of the house or the value that one borrows. The higher the value of the house the higher will be the insurance premiums. This insurance is paid by the lender, who later passes on the charges to the actual buyer.

So, in order to pay less interest rates and avoiding the administrative charges, one should go for the mortgage insurance.

Number of Words: 523

Keyword: insurance

Frequency: 12

Everything You Wanted To Know About Hiring

Posted on 24. Mar, 2010 by admin in general

How do most luxury sedan services work?
It’s simple. You make a reservation, by going online or calling their local number. Drivers drive their vehicles to your home, office, or wherever you are, pick you up and take you to your destination.
Besides Airport service, what driving services do luxury Sedan services offer?
Many companies offer As-Directed Service, which puts a vehicle and driver at your disposal for a set period of time. Point-to-Point Service is for trips between any two locations.
When does billable time start?
For airport service, most charge a fixed per one-way trip to or from the airport. With all other luxury sedan services, billable time starts after their driver arrives at the address you designate for pick up.
If my meeting or engagement finishes earlier or later than expected, how do I contact my driver?
You may contact your driver to inform him or her of changes via his or her cellular phone.
How do I pay for service?
The credit card provided to secure your reservation will be debited at the end of your service period.
Does luxury sedan services offer discounts?
Yes, some luxury sedan services have “Preferred Partners” program offers exciting perks for higher volume businesses.
What is standard attire for my driver?
Most driver’s attire is a black suit, white shirt and corporate tie.
Can I reserve the same driver?
Yes, most companies allow you to request the same driver every time. They make every effort to ensure your request is accommodated whenever possible. However, most cannot guarantee your requested driver will be available.
What kind of vehicle can I reserve?
Many can accommodate requests for Cadillac, Chrysler or Lincoln luxury sedans, vans and charter buses.
Does my driver perform a vehicle inspection?
Be sure the driver/company performs an inspection for your safety and protection. It is to assess whether the vehicle is in lawful condition to be driven.
What items should be are checked?
Seatbelts, insurance, registration, inspection, lights, turn signals, horn, tires and brakes.
Should I tip my driver?
For airport service a gratuity is not added to our service fees. Tipping is appreciated but completely voluntary and at the client’s discretion. For ‘as-directed’ and ‘point-to-point’ services, a 20% gratuity is automatically added to your charge.
How much should I tip my driver?
A customary 15-20% of the total bill is suggested for your chauffeur.
If you feel your driver has done an extraordinary job in making the trip to your destination perfect, you may want to give more.
When should I have the driver’s tip included in the bill?
Certain events can be overwhelming and mentally exhausting. In this situation, a pre-arranged gratuity would be one less imposition on your festivities. Another example of the convenience of not having to deal with a cash tip could be experienced at a busy airport.
How far in advance can I make a reservation?
Web reservations must be made at least 24 hours in advance and may be made up to 12 months in advance. Phone reservations may be from 12 months to 3 hours in advance.
Can I make a same day reservation?
Yes, most companies will allow you to by going online or calling their office, and they will make every attempt to accommodate you.
Can I book a reservation now?
Most reservation system makes reserving a luxury sedan almost as pleasurable as traveling in one, with extras like, easy payment options. New customers will often be required to supply a major credit card or a cash deposit to secure a reservation.
What do I do if I want to cancel my reservation?
Most companies will allow you to cancel your reservation without penalty up 2 hours in advance. You will be charged the full fee for any cancellation or change made with less than 2 hours notice.
What is a Corporate Account?
Corporate Accounts simplify billing by allowing businesses to make one payment for all services within a given month. Visit their Corporate Sales page of the company to learn how to open an account.
Is your company insured?
Be sure the company meets or exceeds the insurance requirements established by the State Limousine Law and the requirements for approved vendors of the Airport Authority.
Do Luxury Sedan Companies go to Canada?
Most transfers to or from Canada occur without incident, immigration or customs inspection officers occasionally detain passengers. Should a Sedan or van be held for detention and the officer wants the driver to remain with the passenger, their service will automatically switch over to hourly service. In some cases, the drivers are released leaving the passenger at the inspection facility. In this case, the passenger is still responsible for payment of their service.
Both sedan drivers and motor coach drivers are required to ensure each passenger has their proof of citizenship with them prior to the start of our service.

5Linx – Communicating Opportunity

Posted on 24. Mar, 2010 by admin in general

5Linx has been in the VOIP (Voice Over Internet Protocol) industry since 2000 and has achieved many great milestones in this business. It has been one of the Top 100 companies in the United States. This is the reason why many have decided to join the company for many years.

5Linx is a business opportunity for those who want to earn while working from the comfort of their home. The company provides the training and coaching for new representatives and lifetime support for those who are part of the team and most specially for those who are sales-driven.

Background

Based on research, in 2008 there were 24 million users of VOIP and this figure is expected to increase in 2 years time to 44 million. This statistic covers just the US, looking at a worldwide perspective, there is an expected 196 million subscribers of VOIP. Knowing this great potential and opportunity, 5Linx in Rochester New York has seized the opportunity of engaging their business in the booming voice IP industry.

Getting Started

Starting with 5Linx is very simple. Some people start with only two sales representatives. Both positions give you an opportunity to earn when you make a sale. The two sales representatives are categorized as customer service representative and Independent Market Representative respectively. As soon as they are making sales, each rep can become a mentor and earn extra money.

5Linx is always looking for people who are willing to work in a diversified environment, are self-motivated, sales-driven and creative. The company encourages hard work among its people and whose vision are aligned with the company’s. Employee benefits include dental Insurance, medical Insurance, optional Insurance, direct deposit, holiday pay, quarterly bonus plan, healthcare spending account, dependent care spending account, 401K retirement savings plan, employee assistance program, satisfying work experience and employee referral program.

What are the 5Linx Products?

5Linx covers all telecommunications products and services. The company covers both home and business telecommunication needs. These are, calling in the U.S., Canada, Virgin Islands, and Puerto Rico and inclusive of FREE unlimited calls to 75 areas. The product line also includes wireless phones, accessories, satellite television and broadband internet service. a) GLOBALINX is a plan for residential and commercial digital phone service. It includes an unlimited local and long distance calling to U.S., Canada, Virgin Islands, Puerto Rico, Ireland, United Kingdom, Spain, France, Portugal, Australia, South Korea, China and a lot more. This package is available at $24.95 a month. b) GLOBALINX International is another affordable package which allows the user to call internationally unlimited at a very low international rate. One can also add another service which is the Family Share Plan where a second line would cost $14.95 a month and can be added through GLOBALINX control panel.

c) GLOBALINK PBX for Business is a plan offered commercially at $19.95 a month. It is a cost-effective plan for businesses in the PBX system. d) GLOBALINX IIN is a plan where friends and family can call you directly without suffering the high cost of international rates. e) 5Linx Cellular is a plan packaged at cellular phones where there is an option to choose the phone you want and the carrier you want to subscribe to. The plan offers great savings.

f) 5Linx Home security is offered at $29.95. The package has five various plans for its customers. With all the package variations stated above, one can sense a bright future regarding the stability of the service and the product line plus the potential to reach all kinds of customers in previously untapped markets..

For those who plan to market these products, there are programs that offer high earning potential and opportunities. 5Linx has proven to be a reliable and trusted company in the VOIP industry and being part of it can certainly enhance one’s ability to control their own destiny.

Lyons & Wolivar, Inc. (l&w Investigations) Kentucky Owner Chris Cline Earns Certified Fraud Examiner (cfe) Certification

Posted on 23. Mar, 2010 by admin in general

GEORGETOWN, KENTUCKY & WESTBOROUGH, MASSACHUSETTS…

The CFE is awarded by the Association of Certified Fraud Examiners (ACFE), the worldâ??s premier provider of anti-fraud training and education. Recipients of the CFE certification must pass examinations in the areas of fraudulent financial transactions, criminology and ethics, legal elements of fraud and fraud investigation. In addition, each CFE must meet specific education and professional requirements, exemplify the highest moral and ethical standards and agree to abide by the CFE Code of Professional Ethics.

â??The CFE has become the standard, the must-have designation for anybody involved in investigations in our business. In fact, many government agencies, like the U.S. Department of Defense, recognize the CFE as career advancement criteria for their personnel to have this designation. Chris earning this certification is testimony to not only his professional expertise, but his dedication to his craft,â? said Neal Lyons, chairman and CEO of Lyons & Wolivar, Inc. (L&W Investigations).

There are currently more than 20,000 CFEs worldwide and ACFE boasts more than 50,000 members worldwide. For information on the CFE, you can visit ACFEâ??s Web site at www.acfe.org.

L&W Investigations works exclusively on workers compensation, disability, liability, auto and property claims. Its client roster consists of insurance companies, third-party administrators, self-insured companies, law firms and municipalities. L&Wâ??s investigations territories are located across the U.S. and the Hawaiian Islands as well as in Canada and Puerto Rico.

L&W employs seasoned investigators who specialize in investigating insurance cases (or claims). All L&W investigators go through extensive training and have access to the most state-of-the-art surveillance equipment. L&Wâ??s service offerings include: surveillance; statements; activity/disability checks; asset/background investigations; and medical audits/clinic inspections.

For more information on L&W Investigations, Inc, you can call their corporate offices at (508) 616-9370 or visit the Web site at www.lwinvestigations.com.

L&W Investigations, Inc. specializes in insurance claims. In addition to nationwide coverage, L&W investigators are highly trained specialists equipped with state-of-the-art surveillance technologies and other advanced systems to provide second-to-none results and service. That includes online case status reports, video delivery by digital download or CD, DVD or VHS tape, rush services at no extra charge and much more.

L&W Investigations territories are located across the U.S. and the Hawaiian Islands as well as in Canada and Puerto Rico.

For additional information, visit the Web site at www.lwinvestigations.com or contact L&Wâ??s corporate headquarters located in Westborough, Massachusetts, at (508) 616-9370.

L&w Investigations Named Exclusive Vendor of Cummins Diesel

Posted on 23. Mar, 2010 by admin in general

WESTBOROUGH, MASSACHUSETTS…

Cummins Diesel, is part of Cummins Inc., a corporation of complementary business units that design, manufacture, distribute and service engines and related technologies, including fuel systems, controls, air handling, filtration, emission solutions and electrical power generation systems. Cumminsâ?? customer base covers more than 160 countries through a network of 550 company-owned and independent distributor facilities and more than 5,000 dealer locations. Cummins reported net income of $739 million on sales of $13.05 billion in 2007.

â??Cummins Diesel is part of one of the U.S.â??s elite companies and weâ??re positively thrilled to enter into this agreement with them,â? said Neal Lyons, CEO and chairman of L&W Investigations, Inc. â??With our network of investigations territories across the U.S. and Canada, as well as the Hawaiian Islands and Puerto Rico, we have the bandwidth to serve a national client the size of Cummins while maintaining a very strong presence in each individual market. Thatâ??s a combination very few investigations firms can offer.â?

L&W Investigations is not your typical private investigations firm because it works exclusively on workers compensation, disability, liability, auto and property claims for organizations ranging from insurance companies to third-party administrators, self-insured companies to law firms and municipalities.

â??The Coalition Against Insurance Fraud estimates the costs associated with insurance fraud to be $120 billion annually. Thatâ??s not an epidemic, thatâ??s a plague and it requires a different kind of approach,â? said Lyons. â??With L&W, youâ??ve got a private investigations firm with the street-smart savvy of the local one-man private eye but with the sophisticated technology and resources of a national organization behind it. Thatâ??s a formula that breeds tremendous results and attracts clients the caliber of Cummins.â?Â