When you own horses, it’s important that you insure them. Whether they are for racing, for riding, or for your general company as pets, they should have insurance policies. It’s similar to life insurance so that your investment is protected. Knowing how the horse insurance cost is calculated can help you stay in control.

Age of the Horse

The age of the horse is going to play an important role in how the insurance is calculated. Younger horses are generally healthier. As such, they are also going to be cheaper to insure. If you wait until a horse is older to insure them, it is likely going to cost you more. The best thing to do is obtain insurance the moment you come into possession of a horse, either through birth or a purchase.

Health of the Horse

The health of a horse will be examined before a quote can be issued. If your horse is healthy, the cost will be less. However, if your horse has any kind of medical condition, it can affect their life expectancy. Insurance companies will want to protect their own investment. Horses with a less-than-average life expectancy may be more expensive to insure.

Level of Coverage

The level of coverage is also going to be a consideration. You have to decide how much money you want to insure the horses for. As you increase the value of the policy, you will also be increasing the cost of the premiums. Consider what your budget is so you can determine what kind of coverage level you can afford.

Horse insurance doesn’t have to be expensive. However, owning and caring for horses can be expensive. It makes sense to have a policy so that you’re protected if the unthinkable happens. Plus, you will have the money to buy a new horse if yours dies in one way or another.…

What comes to mind when you think about ecommerce in Europe? Do major U.S. giants like Amazon pop up? Europe is actually one of the biggest ecommerce markets in the world and home to major online retailer companies like Ikea and Otto.

These major online retailers, that are big in several countries across Europe, are not the only stars in Europe. There are also ecommerce companies that are big in their home country, even though they are not as familiar among other European consumers. Consider Dutch online retailer, Wehkamp. Started as a mail-order company in 1952, every year it is listed among the top ten online stores in the Netherlands. Outside the country borders, however, it is not widely known.

Dutch research company Veraart Research shared their retail index that lists the top 30 retailers in Europe, which ranks ecommerce companies by turnover. The following are the top 5 online stores in Europe (in billions of euros) from Veraart Research’s top ten list:

1. Schwarz – Schwarz is a private family-owned German retail group that owns and operates the Lidl and Kaufland brands. It is also the fourth-largest retailer in the world by revenue, with turnover (in billions) of 97. Schwarz headquarters is located in Germany.
2. Aldi – Currently, Aldi Nord group consists of 35 independent regional branches, with approximately 2,500 stores. Most German towns and villages have at least one Aldi shop, and Aldi stores are also located in Australia and the United States. Aldi headquarters are in Germany.
3. Carrefour – Carrefour is a French multinational retailer. It is one of the largest hypemarket chains in the world, with an estimated 12,300 self-service shops at the end of 2016. Turnover for Carrefour is 57 (in billions). Carrefour is headquartered in Boulogne Billancourt, France.
4. Tesco – Headquartered in Hertfordshire, United Kingdom, Tesco employs over 500,000 people and operates almost 7,000 stores around the world. As per Veraart Research data, Tesco turnover (in billions) is 56.
5. Edeka – Referred to as Germany’s most successful entrepreneurial initiative, Edeka is Germany’s leading group of grocery retailers with about 11,430 and an annual turnover of approximately 54 (in billions). Edeka is headquartered in Hamburg, Germany and employs an estimated 250,000 people.

Are you in the process of launching an ecommerce business? Are you searching for the best merchant services to grow your brand? Consider the many reviews and helpful information – like cutpay – the team at Best Payment Providers has to offer. Find everything you need to know to choose the right provider for your business’ unique needs.

Author Bio: Payment industry expert Taylor Cole is a passionate merchant account expert who understands the complicated world of accepting credit and debit cards at your business. His understanding of the industry and cutpay reviews has helped thousands of business owners save money and time.…

Real estate investing requires a substantial amount of capital and for anyone who is a novice may find obtaining capital for real estate project somewhat difficult. Flipping a house for a profit can be a lucrative business with an average return of nearly 35 percent. Most banks may not be willing to finance flipping a house; therefore, it will require other options to receive the financing needed. The financing will come in the form of a loan. A fix and flip loan is a popular financing method. There are few lending companies who willing to provide the capital needed, but important to find the company who will be a good fit for the real estate venture.

The Usefulness of A Loan For Flipping A House

A traditional loan can be time-consuming during the approval process. By purchasing home then renovating and attempt to sell for a profit time may not be on the investor side; therefore, there is a need for a financial option that is quick. The financial option most real estate investors use is the fix and flip loan

The benefits of using the loan are: 

• Quick approval process
• Offers flexibility
• Help reduce any penalties for early repayment

Most investors will need money to purchase, repair, and sell the property. They may decide to use a fix and flip loans chicago il. The loan approval process should not belong as most fix and flip loans may be completed in 7 to 10 days. The quick approval of the loan allows investors to act quickly. Traditional banks may limit the type of property that it would allow a loan to be used for the real estate investment. The fix and the flip loan offer the investor some flexibility to purchase almost any type of property. The loans will normally be able to cover the expected repairs of the property so the flexibility of doing what is needed by using fix and flip loan is available. There are some banks who may charge a penalty for repaying a traditional loan early. An investor does not have to worry about any type of penalty when working with a loan to flip a property.

Tips for Working with A Good Lender 

An investor may need to bring their financing needs to a lender who understands the real estate market. They will be able to help throughout the entire process of a flipping house if the investors require help. A lender with experience in a market that related to the property an investor is attempting to sell can be helpful to the investor. Lenders may be more inclined to lend more since they are aware of how the market works. A lender with experience may be helpful in finding contacts that will be able to help with the real estate project. A lender must have history to reflect some success of flipping properties. It would be much better if the history shows they have financed projects in the market an investor currently …

Like everyone else, I’m sure you are always looking for simple ways to improve the workflow of your local business. Being stuck in a cluttered office, wasting time tending to unimportant email messages or having to deal with unnecessary distractions ultimately takes you away from the goal of growing your business, and can lead to demotivated and unengaged employees.

Here are 9 top ways to improve your workflow and increase your small business’ productivity.

9. IN & OUT BOX: Setting up an “in” and “out” box system is a good way to manage what you need to accomplish. Items should stay in the inbox until you start working on them and only move to the outbox when the task is completed.
10. CLEAN OFF YOUR DESK AT THE END OF EVERY DAY: If you do this, you’ll stay more organized and save time as cleaning won’t turn into a day-long project once a month.
11. THROW MORE AWAY: Toss hard copies and just save electronic copies. Then, when you need to find a file, it will be easily accessible on your computer.
12. SAY “NO” TO POST ITS: Don’t write reminders on Post It notes. Instead, put the reminder on your electronic calendar and set a pop up reminder. When jotting down a phone number – save it directly in a file. Or, if you aren’t quite ready to go fully electronic, get a spiral notebook or day planner and write everything there so you have just one place to go to when looking for that reminder.
13. SET A SCHEDULE: Don’t forget to include breaks. This way you know how much time you have each day to get stuff done!
14. AVOID DISTRACTIONS: Do you have a big project you’re trying to complete? It’s time to turn everything else off. If you limit your distractions, you can complete the task at hand in a timelier manner.
15. DO WHAT YOU DISLIKE THE MOST FIRST: Doing so will keep you more productive and ensure you won’t procrastinate. What feels better than accomplishing something you have been dreading working on? And bonus, you get to spend the rest of your day doing things you enjoy.
16. MAKE IT FUN: Don’t forget to incorporate some fun into your day. Running a local business from home or an office can easily consume your time. Be sure to create a schedule that includes time to enjoy a hobby, workout, eat lunch with a friend, grab a cup of Joe or other activities that calm your mind and keep you focused.
17. SET GOALS: This is the number one thing you should remember to do. When you work for yourself, it’s easy to forget rewards for a job well done. By setting goals, it’s easy to know what you’ve accomplished. Be sure goals are realistic, so you can accomplish them.

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Applying for a loan with a Fintech lender is quite different from getting a loan from a private bank. Most people who wish to apply for personal loans usually approach a private bank for funds. Fintechs are, however, becoming increasingly popular in recent times and have gone on to even overtake private banks in becoming the preferred choice for many people who want an instant online loan. This is because private banks don’t offer instant loans – they only offer traditional personal loans that have a turnaround time of at least 7 business days. So if your need is urgent or immediate of sorts, opting for a private bank to get your personal loan isn’t quite the best idea.

Coming back to Fintechs, there are several aspects that influence your loan application. Among these, the primary parameter that lenders take into account is your credit score. Apart from your credit score – which has the highest weightage in most cases – your repayment history also influences potential approval or rejection. Let’s take a look at how your approval chances with Fintechs are influenced by your credit score.

Fintech lenders have a credit score threshold

Fintech lenders are often known to have lenient eligibility criteria, but they do have a minimum credit score criterion that applicants have to meet. Most private banks that are popular in the lending space often require individuals to have a minimum credit score of 750. In the case of Fintechs, take for example Qbera – a popular Fintech lender in the market – the minimum credit score requirement is 600 in order to be eligible for an instant online loan. This is relatively way lesser than the credit score requirements that private banks demand.

Your repayment history is crucial

Again, just because Fintech lenders have easy or lenient eligibility criteria, this doesn’t mean that you can get approved with a poor repayment history. Instant online loans are unsecured loans that do not require applicants to pledge legal assets. Owing to this, besides the credit score, an individual’s repayment history is almost equally important, lest we forget that the repayment history has the largest bearing on the credit score. Your repayment history reflects instances of defaults or late payments in the past, and multiple instances of late payments and even a single instance of default can jeopardize your chances of getting your loan application approved.

A good credit score will help you get the best interest rate

Lenders use risk-based pricing to determine the cost of borrowing. This means that individuals will be offered different rates of interest depending on their credit score and repayment history. Although Fintech lenders are often known to offer slightly higher rates of interest, a good credit score will definitely result in you getting a low interest rate on your loan. As such, you can negotiate with the lender to offer you the best rate if your credit health is sound.…