What is a Small Business Investment Company, small business investment company.#Small #business

What is a Small Business Investment Company (SBIC)?

Small business investment company

Small Business Investment Company (SBIC)

A small business investment company is a private lending company which is licensed and regulated by the Small Business Administration (SBA). SBIC s offer venture capital financing to higher-risk small businesses, and SBIC loans are guaranteed by the SBA.An added advantage of SBIC s for small businesses is that, in addition to funding small business growth and more jobs, SBIC s offer management expertise and assistance to companies.

SBICs use a combination of funds raised from private sources and money raised through the use of SBA guarantees to make equity and capital investments in small businesses.

At the end of FY 2011, SBA had over $8.2 billion invested in 299 funds. Together with private capital of approximately $8.8 billion, the program totals over $17 billion in capital resources dedicated to America’s entrepreneurs.

The mission of the SBIC program is:

stimulating and supplementing the flow of private equity capital and long term loan funds for the sound financing, growth, expansion and modernization of small business operations while insuring the maximum participation of private financing sources

Qualifying for SBIC financing

To qualify for financing from an SBIC your business must meet the following criteria:

  • You must be a small business as defined by the SBA: businesses with tangible net worth of less than $18 million AND an average of $6 million in net income or less over the previous two years at the time of investment.
  • Your business cannot engage in foreign activities, and
  • Your business cannot be a prohibited business (re-lenders or re-investors; passive businesses; most real estate businesses; farmland; project financings, or businesses contrary to the public interest.)

Types of Financing

SBIC s may provide loans, equity, or a combination, depending on the circumstances.

SBIC s typically look for profitable businesses with sufficient cash flow to pay asPresensociated interest. If your business is not profitable, you would probably need sufficient revenue to qualify for SBIC financing.

Working with an SBIC

The SBA describes the steps in finding an SBIC:

1. Research SBIC s to find one whose investment goals fit with your small business plans.

2. Create a business plan for your meeting with an SBIC.

3. Present your business plan and proposal for SBIC financing. Before you present a plan, get information on the specific SBIC you want to approach, and try to establish a connection with that company.

For More Information about SBIC Lending

The SBIC section of the SBA website has information on SBIC lending, including a list of SBIC s on the SBA website.

What if My Business Doesn t Qualify for SBIC investment?

You may still be eligible for one of a number of SBA loan programs, including their signature 7(a) loan.





Business Investments, small business investment company.#Small #business #investment #company

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New Ways to Invest in Small Businesses, Money, small business investment company.#Small

New Ways to Invest in Small Businesses

I met with Paul on Tuesday. He is the CFO of a business start-up. He s not sure if the next phase of his company s financing is going to go through. Although he believes in the business model and the mission of the company, some days he thinks he won t have a job in three weeks.

I met with David on Wednesday. While he s a great saver and earns a decent buck, he isn t wealthy. He wants to invest in small companies so much that we ve set up a fun money account, which is 10% of his otherwise well-diversified, passively managed portfolio. Fun money is specifically set aside so that he can make individual investments he believes in.

Because of the way small business investing is structured in this country, the likelihood of Paul and David connecting has been infinitesimally small.

This drives me mad.

It s not just these two who are missing out. Because small companies drive job and economic growth, the economy of the country loses when Paul and David don t connect. And because the current system of funding is biased, some small businesses are a lot less likely to get funding despite their worthy ideas.

Recent developments could change all this.

To raise their initial start up money, small business owners typically first use their savings, and then appeal to their friends and family. Next, they go to banks. If they get big enough and have certain ambitions and contacts, they can get venture capital funding or private equity funding, which is what Paul was waiting on.

These sources of capital are all enhanced if you are affluent and well connected. Do your friends and family have extra money to invest in your business? Do you know anyone you can talk to at a bank? What about impressing people in the venture capital world? A lot of people with good ideas are shut out.

Enter the Internet. Raising money got a lot easier.

The Power of Reward Sites

With reward sites, startups with good ideas raise money in exchange for rewards.

Sesame, which opens doors remotely from smartphones, raised over $1.4 million on Kickstarter.com. The reward here was a chance to order the device.

Then there is Lammily, Barbie s realistically proportioned cousin, whose designer raised almost $500,000 through Tilt.com. The reward for funding Lammily was the chance to pre-order the doll, and sticker packs with stretch marks, cellulite, freckles, and boo-boos.

The reward sites show that companies can raise large amounts of money through small contributions from a large number of people. Research suggests that Kickstarter.com reduces company funding gender bias by an order of magnitude and reduces geographic bias as well. Reward sites cater to consumers who love new products and want to support new ideas.

You may get first dibs on a cool new doll, but sending money to a reward site isn t investing.

The Risks of Private Equity

Traditionally, to get private equity funding, you have to sell to accredited investors the richest 1% of the population, roughly speaking.

Accredited investor regulations were set up in in the wake of the 1929 crash, when a lot of people got ripped off because they invested in dubious enterprises. The idea was that people with a high level of wealth are sophisticated enough to understand investment risk. Unfortunately, this leaves the Davids of the world investors who are sophisticated but wealthy shut out of these types of investments.

Private equity placements are not always a great deal. When I ve looked into them for clients, I ve concluded they are expensive, risky, and difficult to get out of, even if you die. The middlemen who offer these and the advisers who sell these seem to be the ones most likely to make money. The best deals I ve looked at weren t hawked by sales people or investment advisers, but came through clients friends and family.

The rise of Internet portals set up to connect small companies with accredited investors has the potential to cut down on intermediary costs. Still, the sector remains small.

In 2012, President Obama signed the JOBS act, which directed the Securities and Exchange Commission to devise rules opening up small business investing to non-accredited investors.

Some organizations didn t wait for the SEC to issue the rules. Instead, they dusted off exemptions in the securities legislation that most of us have ignored for 80 years.

Some states have picked up on crowdfunding to boost their economies. Terms vary, but generally investors are subject to investment limits and companies are subject to a cap on raising money. Each individual, for example, might be limited to investing $10,000; each company might be limited to raising $1 million. Both investor and company are generally required to reside in the state.

This is music to ears of people who want to invest locally. The first successful offering using this type of exemption was in Georgia in 2013, where Bohemian Guitars raised approximately $130,000 through SparkMarket.com.

SPONSORED FINANCIAL CONTENT

Village Power is another example of raising money using an exemption. This intermediary helps organizations set up and fund solar power projects. Village Power coaches their community partners to use an exemption in the SEC rules, which allows for up to 35 local, non-accredited investors.

New rules issued March 25 by the SEC removed a lot of the barriers for companies raising money and for non-accredited investors.

Companies will be able to raise up to $50 million. Non-accredited investors are welcome to invest, sometimes with limits 10% of their net worth, say, or 10% of their net income.

Although Kickstarter has said that it won t sell securities, other fundraising portals, such as Indiegogo, are looking into it.

And if all goes well, Paul, David, and I can start looking for the new opportunities in June of 2015.

Bridget Sullivan Mermel helps clients throughout the country with her comprehensive fee-only financial planning firm based in Chicago. She s the author of the upcoming book More Money, More Meaning. Both a certified public accountant and a certified financial planner, she specializes in helping clients lower their tax burden with tax-smart investing.





Small Business Investment Companies, small business investment company.#Small #business #investment #company

Small Business Investment Company (SBIC) fund services

SBIC funds can be an attractive source of low-cost capital to invest in lower middle-market businesses. Whether a private equity fund is considering the SBIC program for the first time or has already received funding from the Small Business Administration (SBA), the issues associated with running a SBIC fund can draw on your time and take resources away from activities that generate profits. Our experience with more than 100 SBIC funds provides our clients with the expertise they need to manage through this regulatory environment.

RSM meets the needs of SBIC funds and their portfolio companies with integrated audit, tax, consulting and transaction advisory services. Clients benefit from a single point of coordination from teams with extensive experience in all aspects of private equity and the SBIC program.

Our SBIC fund professionals, who work almost exclusively with private equity and SBIC funds, act as your strategic partner throughout the transaction life cycle. They understand the complexities that chief financial officers, controllers and general partners face. Our tax professionals take a balanced approach that helps you and your portfolio companies save money in complex tax environments, while keeping an eye on your longer-term goals.

Among the SBIC fund services we offer are:

  • Audit of SBA Form 468
  • Audit of GAAP financial statements
  • Tax preparation and consulting services
  • Assistance with SBA examination preparation and first-time setup of chart of accounts and general ledger*
  • SBIC accounting policies and SBA regulatory compliance*
  • Calculation and recording of management fees*
  • Investment valuation procedures and documentation*
  • Distribution computations using SBA software
  • Computation of prioritized payments, charges and adjustments for Participating Security Funds*

SBIC fund training and seminars

RSM also offers on-site training designed to help you understand SBA reporting requirements and determine what resources you need to operate effectively. We provide training in a variety of areas, including SBA reporting software and key regulatory, accounting and tax issues. Our SBIC seminars focus on fund formation, accounting, tax and operations. Other educational seminars for your fund and portfolio companies address common industry issues and concerns, such as back-office operations, business acquisitions, industry briefings and our annual accounting and tax update.

*Certain services cannot be provided to investment advisers registered with the SEC or to existing audit clients of the firm.

Newsletters

The quarterly newsletter follows developments in accounting and finance and places them in the context of current events and changes in economic and marketplace trends.

delivers news and information critical to community banking professionals. The bi-monthly newsletter tackles issues ranging from IT security to regulatory compliance to operational improvement.

Compliance news for the banking and investment industry. Gain insights about the latest compliance news and how it will affect your business.

How can we help you??

To discuss how our team can help your business, contact us by phone 800.274.3978 or





Small Business Investment Companies, small business investment company.#Small #business #investment #company

Small Business Investment Company (SBIC) fund services

SBIC funds can be an attractive source of low-cost capital to invest in lower middle-market businesses. Whether a private equity fund is considering the SBIC program for the first time or has already received funding from the Small Business Administration (SBA), the issues associated with running a SBIC fund can draw on your time and take resources away from activities that generate profits. Our experience with more than 100 SBIC funds provides our clients with the expertise they need to manage through this regulatory environment.

RSM meets the needs of SBIC funds and their portfolio companies with integrated audit, tax, consulting and transaction advisory services. Clients benefit from a single point of coordination from teams with extensive experience in all aspects of private equity and the SBIC program.

Our SBIC fund professionals, who work almost exclusively with private equity and SBIC funds, act as your strategic partner throughout the transaction life cycle. They understand the complexities that chief financial officers, controllers and general partners face. Our tax professionals take a balanced approach that helps you and your portfolio companies save money in complex tax environments, while keeping an eye on your longer-term goals.

Among the SBIC fund services we offer are:

  • Audit of SBA Form 468
  • Audit of GAAP financial statements
  • Tax preparation and consulting services
  • Assistance with SBA examination preparation and first-time setup of chart of accounts and general ledger*
  • SBIC accounting policies and SBA regulatory compliance*
  • Calculation and recording of management fees*
  • Investment valuation procedures and documentation*
  • Distribution computations using SBA software
  • Computation of prioritized payments, charges and adjustments for Participating Security Funds*

SBIC fund training and seminars

RSM also offers on-site training designed to help you understand SBA reporting requirements and determine what resources you need to operate effectively. We provide training in a variety of areas, including SBA reporting software and key regulatory, accounting and tax issues. Our SBIC seminars focus on fund formation, accounting, tax and operations. Other educational seminars for your fund and portfolio companies address common industry issues and concerns, such as back-office operations, business acquisitions, industry briefings and our annual accounting and tax update.

*Certain services cannot be provided to investment advisers registered with the SEC or to existing audit clients of the firm.

Newsletters

The quarterly newsletter follows developments in accounting and finance and places them in the context of current events and changes in economic and marketplace trends.

delivers news and information critical to community banking professionals. The bi-monthly newsletter tackles issues ranging from IT security to regulatory compliance to operational improvement.

Compliance news for the banking and investment industry. Gain insights about the latest compliance news and how it will affect your business.

How can we help you??

To discuss how our team can help your business, contact us by phone 800.274.3978 or





Small Business Investor Alliance, small business investment company.#Small #business #investment #company

small business investment company

Small business investment company

Small business investment company

Small business investment company

Small business investment company

Small business investment company

Welcome!

The Small Business Investor Alliance ( “SBIA”) is the premier organization of lower middle market private equity funds and investors . Our members provide vital capital to small and medium sized businesses nationwide, resulting in economic growth and job creation. The SBIA’s mission is to provide member funds and LPs:

• Real advocacy power with federal regulators and on Capitol Hill

• Access to exceptional networking opportunities

• Continuing educational programs with an emphasis on best practices for the industry

SBIA has been playing a pivotal role in promoting the growth and vitality of the industry for more than 50 years. SBIA works on behalf of its members as a tireless advocate for appropriate regulation and smart tax policy that promotes domestic investment and the growth of small businesses that fuel the American economy.

Small business investment company

T he SBIA Capital Formation Agenda: Legislative Recommendations for

Members of the 114th Congress. These legislative recommendations,

when enacted into law, will provide the essential means to increasing

capital to small businesses.

Small business investment company T he SBIA BDC Modernization Agenda: Legislative Recommendations

for Members of the 115th Congress.

The SBIA Private Equity Directory

Small business investment company





The Steps to SBIC Financing – Small Business Investor Alliance, small business

small business investment company

SBIC Financing, Step-by-Step

The Small Business Investment Company (SBIC) program was created by Congress in 1958 to help small U.S. companies raise the capital they need to fuel business growth. SBICs are privately organized and managed investment firms licensed by the U.S. Small Business Administration (SBA) to make equity capital or long-term loans available to small companies. In return for agreeing to finance only small U.S. businesses in compliance with SBA regulations, SBICs qualify for funds raised by the sale of SBA-guaranteed securities which, when added to their private capital bases, increase the total capital SBICs have available to invest in small companies. With only some exceptions, SBICs have the freedom to invest in almost any type of business.

Since 1958, SBICs have invested almost $60 billion in small U.S. companies, including approximately $2.05 billion invested in 1,331 small U.S. companies in Fiscal Year 2010 alone. The concerns they have financed have far outperformed national averages measuring increases in sales, profits, assets, and new employment. Some of America’s most successful and well-known companies received critical financing from SBICs, including Intel, Apple Computer, Federal Express, Whole Foods Market, Staples, and Callaway Golf. Thousands of other small businesses, perhaps less well known but equally important in terms of the products, services, and jobs they provide, have benefited from the money and management counseling made available to them by SBICs. Whatever the field, from high tech to personal service, SBICs continue to invest today in companies that will be leaders in their markets tomorrow.

Which SBIC Should You Contact?

When reaching out to SBIC for financing you should consider the following factors:

A. Size of Financing : Because they differ in size and investment polices, SBICs establish different dollar limits on the financings they make. The directory lists each SBIC’s preferred size of loan or investment.

B. Investment Policy : Even though SBICs may make both equity investments and loans, each has a policy on the type of financing it prefers. You should match your requirements with the SBIC’s preference.

C. Industry Preference : SBICs differ widely in terms of preference for financing certain types of businesses. Because of the expertise of its officers and directors, an SBIC often specializes in making loans and investments in certain industries. You should try to contact those SBICs that have indicated a preference for your business type.

D. Geographical Preference : Generally speaking, SBICs prefer to invest in companies within a reasonable travel distance. Therefore, it would probably be wise to contact first those SBICs closest to your business.

Consider the information included in the directory only as a general guide. Every SBIC departs from its usual policies in special cases. Furthermore, SBICs often work together in making loans or investments in greater amounts than any of them could make separately. No SBIC should be ruled out as a possible source of financing, but this directory is designed to give you an idea about which ones are most likely to be interested in your plan.

Is Your Firm a Qualified Small Business?

A company qualifies as small if it has a net worth under $19.5 million and average after-tax earnings of less than $6.5 million for the past two years. If your firm does not meet these financial tests, it may it may still qualify as small under either an employment or annual sales standard. The employment and sales standards vary from industry to industry. Contact your local SBA office for more information.

How Do You Present Your Case to an SBIC?

A business plan that addresses your company’s operations, management, financial condition and funding requirements is essential. The plan should include the following information:

· The name of the business as it appears on the official records of the state or community in which it operates.

· The city, county, and state of the principal location and any branch offices or facilities.

· The form of business organization and, if a corporation, the date and state of incorporation.

PRODUCTS OR SERVICES

· A description of the business, including the principal products sold or services rendered.

· A history of the general development of the products or services during the past five years (or since inception).

· Information about the relative importance of each principal product or service to the volume of the business and to its profits.

PRODUCT FACILITIES AND PROPERTY

· Description of real and physical property and adaptability to other business ventures.

· Description of technical attributes of products and facilities.

· Detailed information about your business’s customer base, including potential customers.

· A marketing survey and/or economic feasibility study.

· A description of the distribution system for your products or services.

· A descriptive summary of the competitive conditions in the industry in which your business is engaged, including your competitive position relative to its largest and smallest competitors.

· A full explanation and summary of your business’s pricing polices.

· Brief résumés of the business’s management personnel and principal owners, including their ages, education, and business experience.

· Banking, business, and personal references for each member of management and for the principal owners.

· Balance sheets and profit and loss statements for the last three fiscal years (or from inception).

· Detailed projections of revenues, expenses, and net earnings for the coming year.

· A statement of the amount of funding you are requesting and the time requirements for the funds.

· The reasons for your request for funds and a description of the proposed uses.

· A description of the benefits you expect your business to gain from the financing; e.g., expansion, improvement in financial position, expense reduction, increase in efficiency, etc.

How Long Will It Take?

There are no hard and fast rules about the length of time it will take an SBIC to investigate and close a transaction. Ordinarily, an initial position or negative response is made quickly. On the other hand, the thorough study an SBIC must undertake before it can make a final decision could take several weeks or longer. Naturally, a well-documented presentation on your part will reduce the amount of time the SBIC will require to make a final decision.

How Are SBIC Financings Structured?

The SBIC financing will be tailored individually to meet your needs and to make the best use of the SBIC’s funds. You and the SBIC will negotiate the terms of the transaction. SBICs are often interested in generating capital gains, so they may wish to purchase stock in your company or advance funds through a loan with conversion privileges or rights to buy stock at a predetermined later date.

How Can SBIC Money Provide Additional Credit Lines?

If the SBIC money is provided to you in a subordinated position, it will often do double or triple duty. Industry averages show that for every SBIC dollar placed with a small business concern, two additional senior dollars become available from commercial banks or other sources.

Are There Unique Advantages to SBIC Financing?

Yes. Before it receives its license, an SBIC must prove that its management and directors are experienced individuals with a broad range of business and professional talents.

This expertise will be applied to assist your business, supplementing the skills of your own management team. Here again, the actual pattern of management and financial counseling will be tailored to each situation. SBICs can make only long-term loans or equity investments, and but they seek to align their interests and yours to grow the company and increase its profitability.

What Is The Small Business Investor Alliance?

The SBIC industry is represented in Washington, DC, by the Small Business Investor Alliance (Alliance). For over 55 years, the Alliance has promoted the growth and vitality of the industry through effective representation and successful professional programs.

Whether it is in working for more money for SBICs and, hence, the small companies they invest in, reduced regulatory burdens, or better program management, the Alliance is the primary representative of the SBIC industry.





How to Become a Specialized Small Business Investment Company, small business investment

How to Become a Specialized Small Business Investment Company

Small business investment company

Diversified and non-diversified investment companies offer different investment strategies.

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  • 4 How to Develop a Marketing Plan As a New Financial Advisor

A small business investment company invests in businesses that have exhibited a certain level of competence and stability, but that lack the funds necessary to grow to the next level. Making such investments is intrinsically risky, as the businesses in which investment companies put their money always face the possibility of failure. For this reason, a small business investment company must perform extensive research and take only calculated risks. It must also specialize in specific industries to ensure that it has the expertise to effectively carry out such research. Forming a small business investment company involves several necessary steps.

1. Write a business plan for your specialized small business investment company. Describe the industry and types of companies you plan on investing in, and explain why doing so is potentially lucrative. Include market statistics and describe why this sector offers significant growth potential. Specialize in an industry or business type in which you have some experience and understanding. Some examples could be personal service franchises, food service franchises, construction contractor businesses or freight companies.

2. Raise the capital necessary for your business. While many entrepreneurs may fund their businesses by borrowing cash from business lenders, this is not usually an option for investment firms. If you already have substantial assets, this may simply mean that you must dip into your savings or sell off various non-liquid assets that you own. However, if such personal assets are not sufficient, consider forming a partnership or corporation, which involves convincing other investors to put money toward your venture.

3. Establish a business presence. The two most important aspects are setting up an office and creating a company website. Since you serve a very targeted market, the immediate visibility that expensive storefront-style locations provide is not very important. Place your headquarters in an office building instead. Purchase the necessary office equipment, such as desks, computers and a conference table. Purchase a projector or large monitor for the conference room for presentations. On the website, detail the size, location and industry requirements for small businesses that may seek capital from your firm.

4. Hire professionals who have skills in the necessary areas. Business and financial analysts are key to the operations of a small business investment firm. You may also need someone to serve as a receptionist and secretary.

5. Become a licensed Small Business Investment Company (SBIC) with the Small Business Administration (SBA). Doing so increases your exposure to investment opportunities by allowing you to work through the SBA. The necessary application forms are on the SBA website. Read all of the requirements that the Administration maintains for SBICs before you submit your application.

6. Become a member of the National Association of Small Business Investment Companies (see the Reference section). This membership allows you to benefit from industry representation in political arenas, networking and educational opportunities, industry publications and discounted products and services.

7. Market your investment services. While you may see some success through general advertising, a more effective method of marketing may be to network through your local chamber of commerce and community organizations.





Two Types of Investments in a Small Business, small business investment company.#Small

Two Types of Investments You Can Make In a Small Business

Small business investment company

Investing in a small business has, is, and most likely will always be one of the most popular ways individuals and families begin their journey to financial independence; a way to create, nurture, and grow an asset that, when intelligently run under the right conditions, throws off surplus cash to provide not only a good standard of living, but to fund other investments. Still, it isn t uncommon, at least in nations with an entrepreneurial history such as the United States, for a small business owner to have never owned a publicly traded share of stock or a mutual fund, opting, instead, to put everything into their own restaurant, dry cleaning business, lawn care business, or sporting goods store.

Frequently, this small business grows to represent the most important financial resource the family owns, other than their primary residence.

Today, small business investments are often structured as either a limited liability company or a limited partnership, with the former being the most popular structure due to the fact it combines many of the best attributes of corporations and partnerships. In years past, sole proprietorships or general partnerships were more popular, even though they provide no protection for the owners personal assets outside of the company.

Whether you are considering investing in a small business by founding one from scratch or buying into an existing company, there are typically only two types of positions you can take: Equity or Debt. Though there may be countless variations, all investments come back to those two foundations.

Equity Investments in Small Businesses

When you make an equity investment in a small business, you are buying an ownership stake – a piece of the pie .

Equity investors provide capital, almost always in the form of cash, in exchange for a percentage of the profits and losses. The business can use this cash for a variety of things, including funding capital expenditures to expand, running daily operations, reducing debt, buying out other owners, building liquidity, or hiring new employees.

In some cases, the percentage of the business the investor receives is proportional to the total capital he or she provides. For example, if you kick in $100,000 in cash and other investors kick in $900,000, totaling $1,000,000, you might expect 10% of any profits or losses because you provided 1/10th of the total money. In other cases, especially when dealing with an established business or one put together by a key manager, this would not be the case. Consider the investment partnerships Warren Buffett ran in his 20 s and 30 s. He had limited partners contribute nearly all of the capital, but profits were split 75% to limited partners, in proportion to their overall share of the capital, and 25% to him as the general partner, despite having put up very little of his own money. The limited partners were fine with this arrangement because Buffett was providing expertise.

An equity investment in a small business can result in the biggest gains, but it comes hand-in-hand with the most risk. If expenses run higher than sales, the losses get assigned to you. A bad quarter, or year, and you might see the company fail or even go bankrupt. However, if things go well, your returns can be enormous.

Virtually all of the research on millionaires in the United States shows that the single biggest classification of millionaires are self-made business owners. Statistically, if you want to rank among the top 1% of wealth, owning a profitable business in a niche market that churns out dividends each year is your best chance.

Debt Investments in Small Businesses

When you make a debt investment in a small business, you loan it money in exchange for the promise of interest income and eventual repayment of the principal. Debt capital is most often provided either in the form of direct loans with regular amortization or the purchase of bonds issued by the business, which provide semi-annual interest payments mailed to the bondholder.

The biggest advantage of debt is that it has a privileged place in the capitalization structure.

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That means if the company goes bust, the debt has priority over the stockholders (the equity investors). Generally speaking, the highest level of debt is a first mortgage secured bond that has a lien on a specific piece of valuable property or an asset, such as a brand name. For example, if you loan money to an ice cream shop and are given a lien on the real estate and building, you can foreclose upon it in the event the company implodes. It may take time, effort, and money, but you should be able to recover whatever net proceeds you can get from the sale of the underlying property that you confiscate. The lowest level of debt is known as a debenture, which is a debt not secured by any specific asset but, rather, but the company s good name and credit.

Which Is Better: An Equity Investment or a Debt Investment?

As with many things in life and business, there is no simple answer to this question. If you had been an early investor in McDonald s and bought equity, you d be rich. If you had bought bonds, making a debt investment, you would have earned a decent, but by no means spectacular, return on your money. On the other hand, if you buy into a business that fails, your best chance to escape unscathed is to own the debt, not the equity.

All of this is further complicated by an observation that famed value investor Benjamin Graham made in his seminal work, Security Analysis. Namely, that equity in a business that is debt-free cannot pose any greater risk than a debt investment in the same firm because, in both cases, the person would be first in line in the capitalization structure.

The Preferred Equity Debt Hybrid

Sometimes, small business investments straddle the ground between equity investments and debt investments, modeling preferred stock. Far from offering the best of both worlds, preferred stock seems to combine the worst features of both equity and debt; namely, the limited upside potential of debt, with the lower capitalization rank of equity. There are always exceptions to the rule. To learn more about preferred stock, read The Many Flavors of Preferred Stock.





How to Become a Specialized Small Business Investment Company, small business investment

How to Become a Specialized Small Business Investment Company

Small business investment company

Diversified and non-diversified investment companies offer different investment strategies.

Related Articles

  • 1 How to Start Your Own Investment Company
  • 2 DIY Incorporation
  • 3 Ethical Dilemmas in Accounting
  • 4 How to Develop a Marketing Plan As a New Financial Advisor

A small business investment company invests in businesses that have exhibited a certain level of competence and stability, but that lack the funds necessary to grow to the next level. Making such investments is intrinsically risky, as the businesses in which investment companies put their money always face the possibility of failure. For this reason, a small business investment company must perform extensive research and take only calculated risks. It must also specialize in specific industries to ensure that it has the expertise to effectively carry out such research. Forming a small business investment company involves several necessary steps.

1. Write a business plan for your specialized small business investment company. Describe the industry and types of companies you plan on investing in, and explain why doing so is potentially lucrative. Include market statistics and describe why this sector offers significant growth potential. Specialize in an industry or business type in which you have some experience and understanding. Some examples could be personal service franchises, food service franchises, construction contractor businesses or freight companies.

2. Raise the capital necessary for your business. While many entrepreneurs may fund their businesses by borrowing cash from business lenders, this is not usually an option for investment firms. If you already have substantial assets, this may simply mean that you must dip into your savings or sell off various non-liquid assets that you own. However, if such personal assets are not sufficient, consider forming a partnership or corporation, which involves convincing other investors to put money toward your venture.

3. Establish a business presence. The two most important aspects are setting up an office and creating a company website. Since you serve a very targeted market, the immediate visibility that expensive storefront-style locations provide is not very important. Place your headquarters in an office building instead. Purchase the necessary office equipment, such as desks, computers and a conference table. Purchase a projector or large monitor for the conference room for presentations. On the website, detail the size, location and industry requirements for small businesses that may seek capital from your firm.

4. Hire professionals who have skills in the necessary areas. Business and financial analysts are key to the operations of a small business investment firm. You may also need someone to serve as a receptionist and secretary.

5. Become a licensed Small Business Investment Company (SBIC) with the Small Business Administration (SBA). Doing so increases your exposure to investment opportunities by allowing you to work through the SBA. The necessary application forms are on the SBA website. Read all of the requirements that the Administration maintains for SBICs before you submit your application.

6. Become a member of the National Association of Small Business Investment Companies (see the Reference section). This membership allows you to benefit from industry representation in political arenas, networking and educational opportunities, industry publications and discounted products and services.

7. Market your investment services. While you may see some success through general advertising, a more effective method of marketing may be to network through your local chamber of commerce and community organizations.





Company Partners – find business angels, business angel investment, business partner, business

#business partners

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Business Partners, Business Angels and great business opportunities

If you are looking for a Business Partner. Business Angel investment or a Mentor this is the place to come.

You can access our sophisticated database of business partners, Investors opportunities directly through our secure system.

  • Find funding from our Business Angels
  • Contact others to join you as a Business Partner
  • Great business opportunities for Investors

Register now to get started

Need a Business Partner to bring additional experience, or a Business Angel with investment available? Or a Mentor to bring guidance and boost your management team.

Join now and contact directly our Business Partners. Business Angel Investors and Mentors .
With one membership you can do all three:

  • Find a Business Angel Investor
  • Find a Business Partner
  • Find a Mentor / Non Exec

Register now to get started

Business Angel Investors are special in Company Partners. You get FREE membership and easy to use facilities that help you find that golden business opportunity. You can select your own criteria and choose either with or without hands-on involvement.

  • Quick secure on-line search for opportunities
  • Automatch for new businesses for investment
  • Easy to use, simple to contact directly
  • 1000s of rewarding equity investments

Register now to get started

Dynamic businesses are looking for Mentors and NonExec Directors to boost their management teams and to help them grow.

  • Use your skills experience
  • Opportunity for pay or equity
  • Build a portfolio of interests

Register now to get started

See examples of members

Who uses Company Partners

Start-ups looking for a like minded Business Partner or Business Angel investment with contacts and experience, growing companies looking for expansion funding, Mentors with years of experience and Investors seeking an exciting and rewarding business opportunity.

Find out what the press and our clients are saying.

Successfully found an Investor through your site and cannot thank you enough!

Andrew – Stockings Romance

I have now found a business partner, the response was amazing.

Karen – Little People By The Sea

Our property development project has now got our Angel Investor thanks to your web site.

Margaret – Suffolk Development





Harvard Business Publishing Company Overview #business #simulation

#harvard business publishing

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Harvard Business Publishing Company Overview

Harvard Business Publishing (HBP) was founded in 1994 as a not-for-profit, wholly-owned subsidiary of Harvard University, reporting into Harvard Business School. Our mission is to improve the practice of management in a changing world. This mission influences how we approach what we do here and what we believe is important.

With approximately 350 employees, primarily based in Boston, with offices in New York City, India, and the United Kingdom, Harvard Business Publishing serves as a bridge between academia and enterprises around the globe through its publications and multiple platforms for content delivery, and its reach into three markets: academic, corporate, and individual managers. Harvard Business Publishing has a conventional governance structure comprising a Board of Directors. an internal Executive Committee. and Business Unit Directors.

The three market groups: Higher Education, Corporate Learning, and Harvard Business Review Group, produce a variety of media including print and digital (Harvard Business Review, Harvard Business Review Press Books, Harvard Business School Cases, Brief Cases, blogs), events (Participant-Centered Learning Seminars, Custom Events, Webinars), and online learning (Harvard ManageMentor, Leadership Direct, Online Courses, Simulations). Through these publishing platforms, Harvard Business Publishing is able to influence real-world change by maximizing the reach and impact of its essential offering—ideas. Read our corporate brochure to learn more about our business.

Higher Education
Business educators worldwide use course materials from the Higher Education group to add dynamic, real-life perspectives to undergraduate, MBA, and executive education programs. We also offer resources and seminars that support participant-centered learning, the cornerstone of a teaching practice that stimulates students’ thinking and prepares them for future managerial decision-making. The Higher Education web site expedites course planning and direct delivery of materials to students — including cases, articles, online simulations and courses.

Corporate Learning
Harvard Business Publishing Corporate Learning partners with clients to create world-class leadership development solutions for managers at all levels in global organizations and governments. We leverage the management insight, thought leadership, and expertise of Harvard Business School faculty and Harvard Business Review authors to provide solutions that are relevant to today’s most pressing business challenges. For more than 20 years, we have developed and delivered innovative, technology-enabled solutions that drive meaningful business results.

Harvard Business Review Group
Harvard Business Review is the leading destination for smart management thinking. Through its flagship magazine, books, and digital content and tools published on HBR.org, Harvard Business Review aims to provide professionals around the world with rigorous insights and best practices to help lead themselves and their organizations more effectively and to make a positive impact.





Business Credit Report – Run a Free Company Search #new #business #plan

#business credit reports

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GET A PREMIUM
BUSINESS CREDIT REPORT

ProfilePlus SM

The right credit decision can make or break a small business. Your business credit is often the basis for decisions other companies make about you, so it’s critical you know what’s in your business credit file.

Business credit reports can also serve a vital role in managing credit risk. Our premium commercial credit reports provide the most complete and in-depth analysis of a business’s credit information, whether it’s your own business or that of a potential customer, prospect or vendor.

The information in Experian’s business credits reports is continually updated, always accessible and includes:
  • Experian credit ranking score and credit summary
  • Key facts about the business
  • Corporate registration and contact information
  • Key personnel
  • Detailed financial payment trends
  • Predicted payment behavior
  • In-depth credit history
  • Uniform Commercial Code filing information
  • Banking, insurance and leasing information
  • Standard Poor’s financial information
  • Bankruptcy filings
  • Judgment filings against the business
  • Tax lien filings levied against the business
  • Credit inquiries made in the last nine months




Register your company #own #your #own #business #ideas

#register your business

#

Register your company

Last Updated: 22 August 2016

Before registering as a company

Find out more about setting up and running a company. before you decide to register as a company. A company has different legal, financial and record keeping responsibilities compared to other business structures.

Understand directors’ responsibilities and personal liability

Read the Sole trader to a company section for more information on directors’ responsibilities, your potential personal liability and company tax obligations. These obligations affect your legal requirements when running a company. Read How to start a company on the Australian Securities and Investments Commission (ASIC) website to understand the requirements before deciding to register a company.

How to choose and register a company name

When you register as a company you can choose to register a company name, although a company name is not compulsory . The name of your company can be its Australian Company Number (ACN), the unique number automatically given to a company by ASIC when it s registered. You can select to use the ACN as your company name when you complete your application through ASIC and you won t have to nominate a name.

If you decide to use a company name it must show the legal status of the company. A proprietary company must include the word ‘Proprietary’ or the abbreviation ‘Pty’ in its name. It must also show the liability of its members, unless the members’ liability is unlimited. For example:

  • If the liability of the company’s members is limited to the amount unpaid on their shares, the company name must end with the word ‘Proprietary Limited’.
  • If the liability of the members is unlimited, the company name will only end with the words ‘Proprietary’.

Restrictions on company names

You can only choose a company name not already registered to a company or business. Special approval is also required to use certain words in your company name. Check out ASIC s Restricted words in company/body corporate names page to learn more.

If your company carries on business in a name different to your registered company name, then you must register the business name .

Your business name does not protect your intellectual property or brand. Understand the differences between a business name and a trade mark before deciding whether to register a trade mark.

What’s an Australian Company Number (ACN)?

An ACN is a unique nine-digit number that every company in Australia has.

ACNs are managed by the Australian Securities and Investments Commission (ASIC).

Do I need an ACN?

If your business is a company, then you’ll need an ACN. By law, an ACN must be shown on a number of documents, including:

  • accounting statements, such as invoices
  • any documents you lodge with ASIC
  • receipts (if they’re not machine generated, e.g. from a cash register)
  • orders for goods and services
  • business letterheads
  • official company notices
  • cheque. or any documents that represent a legal amount of payment
  • written ads making a specific offer that can be accepted (such as by completing an order form).

If your company also registers for an ABN, then your ACN will form part of your ABN. In these cases, you won’t need to display your ACN if your documents already display your ABN and company name.

For reasons why you may like to register an ABN for your company, check out our article on Australian Business Number (ABN) .

How do I register for an ACN?

You are automatically given an ACN when you register a company with ASIC.

What to do.

  • Find out how to register a company and company name at ASIC’s How to start a company page.
  • Search ASIC Connect to see if your proposed name already exists.
  • Use IP Australia’s Trade Mark Databases to ensure your proposed company name isn’t already being used as a trade mark.
  • To register your company name, complete and lodge Form 201 – application for registration as a company. together with the prescribed fee. You can lodge it in person at any ASIC Service Centre or by mail to: ASIC, PO Box 4000, Gippsland Mail Centre, VIC 3841.

Was this helpful?

Thanks for your feedback. If you have any ideas on how we can improve, we’d love to hear them.

Please provide your comments in the feedback form .

You might also be interested in





Business Banners, Company Banners #weekend #business #ideas

#business banners

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Banners To Advertise Your Business

Free banner templates for business you can customize your way using our sign design tools

eSigns has one of the largest selection of free business banner templates for your sign needs than any other printer on the Internet. Each of our templates can be customized to represent your company in the exact way you need by modifying the themes in our online banner design tools. We have categorized our free banner themes by industry and use type to try and make finding the designs that are right for you as easy as possible. Browse our categories, and choose the theme that best fits the advertising campaign that is right for you, and after you have customized your design to suit your needs, eSigns will ship as many vinyl business banners as you need within 24 hours.

Retail Banners
Hundreds of retail banners we have created free banner designs for, and they are used to attract consumers to sales events, special offerings and community involvement more.

Store Banners
Banners categorized by the type of store you have. Choose this to find your store’s business model to find free store banner templates that you can easily customize to be the exact advertisement you have in mind.

Restaurant Banners
Helping restaurants, food preparation businesses, caterers, food markets and other food related businesses with the vinyl banners these business models use to advertise their products and services to local communities.

Home Interior Stores
Free banner templates that you can customize for advertising your furniture store, antique shop or used furniture consignment store. Any of our professional designs can be customized to suit any advertising campaign that suits your needs.

Outdoor Living Retailers
If your business caters to outdoor living products, these free outdoor banner templates can be fully customized by home and garden stores, nurseries, fire pit / outdoor appliance companies, to create the perfect advertising campaigns for in-store sales, and exterior direct promotions.

Supply Store Businesses
Free vinyl banner templates for supply stores that can be easily customized for any advertising campaign, seasonal thank you, or any other messages, graphics and artwork you want to include to ensure you have an easy platform for creating high quality, professional vinyl banners.

Florists and Gift Shops
By providing free flower banner themes, and free gift shop banner templates, combined with the cheapest price on vinyl banners you can find regardless of size, eSigns prides itself on helping the locally owned gift shops and florists.

Clothing Stores
Choose from our categories of free clothing banner designs to begin customizing vinyl banners to fit the promotion you have in mind. From in-store sales banners to outdoor advertising solutions that can be placed in a showroom window or on your building eSigns has the banners and templates to help you succeed.

Automotive Industry Businesses
These automotive industry categories have a huge selection of free vinyl banner templates specific to the automotive industry. Each can be fully customized to include photos, graphics, and the promotional message you need.

Buy Sell Business Models
When you business buys from consumers and sells what you have bought to distributors and other patrons that come into your store, these free vinyl banner themes will help you customize the perfect banners right for promoting you buying promotions and sales offers.

Affordable Tax Banners
From tax banners to magnetic signs, eSigns can apply any of the tax banner designs you have created using our sign design tools to any of the vinyl banners we sell.

Business Opening Banners, Moving, & Closing Banners
Business owners need banners for announcing transitional events in their business life, as well as dates and times they are open or closed. Whether your company closes for specific months in the year or you have to notify customers you are still open during special circumstances like remodeling or construction, these vinyl banners are important to the day to day operations of a business.

Valentine’s Banners
Free Valentine’s Day Banners you can easily customize for gift sales events, wishing your customers a happy Valentine’s Day and more. Customize them using our sign designs tools, and apply these Valentine’s designs to any of Vinyl Banners we sell.

Religious Banners
Free religious sign designs that you can fully customize and apply to the vinyl banners, yard signs and other signage products we sell specifically for Church & Religious Events. From no-curl double sided church worship banners perfect for hanging from the ceiling in your sanctuary to mesh style, stand alone, outdoor church banners that could be installed in our outdoor church sign frames to promote Church functions, Choir performances and special Church events.

Church Banners
Colorful Church banners by eSigns can be easily made using our free church banner templates and design tools for customizing your vinyl banners to include any artwork, graphics and religious message you need to communicate.

Easter Banners
Pastors will use Easter banners to convey scripture, while secular celebrations will promote their events with the Easter Bunny and use images of those colored eggs to promote an Easter Egg Hunt. Whether your church is planning sunrise services, or you need to design vinyl banners for a photo opportunity with the Easter Bunny, eSigns has created a huge selection of free Easter banner designs you can customize and apply to any of the Banners we sell.





Learn How to Start a Cupcake Company #business #card #holder

#cupcake business

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Start Your Cupcake Business

Our site is full of information that will help you to successfully run your own cupcake business, become your own boss and enjoy every minute of it.

Cupcakes are in high demand. they re ideal for all occasions and instantly bring smiles to peoples faces!

Whether you re thinking of running a small business as a hobby or growing steadily into a business that deals with corporate clients and hundreds of orders per week, we re here to help .

In the current economic situation many people are turning to alternative forms of income and running your own cupcake business can give you this opportunity. A home cupcake business is also relatively low on start up costs making it ideal for someone who wants to dip their toes into the world of entrepreneurship.

You may be a huge baking enthusiast looking to make money from your love of all things sweet or you might be someone looking to try something completely new and develop your business skills. Whatever the case may be, a cupcake business ran from home is a relatively low risk business and one that can definitely make money .

We ve provided a list of some of the essential equipment you will need on our Cupcake Business Equipment page.

Operating the business from home can also give you many benefits compared to renting an external space.

Full control over utilities

Save money on transport / fuel costs

Communicate with customers via email and phone from your home

Some things to consider are:

Is your kitchen big enough to cope with orders?

Do you have space to set up a small workspace for your computer printer?

Be a Cake Specialist

To succeed with your new cupcake business you will most definitely have to specialise in a particular area.

This may be something that you simply stumble upon one day while preparing an order or it may be something that you know no one else is offering.

You need that extra something to make potential customers come to you for their cupcakes instead of a competitor.

Here are some examples:

Highly sophisticated and unique designs

All ingredients are organic / fair trade

Exceptional customer service

Specialist cupcake delivery service

Plan Your Bakery Journey

This is one of the most important aspects of any successful business, if you don t have a plan in mind then you will have no idea of the direction your business is headed in.

Will you eventually move into a shop, an industrial unit, extend your house, franchise, the outcomes are extremely varied, but if you haven t planned then you may end up not achieving any of them.

Planning what you are going to do and how you are going to do it will give you a much better idea of how you will achieve the goals that you ve set out!

Going it Alone

Will you be running the business by yourself or will you be joining with a partner in a partnership?

This is something to consider even in the early stages of your business. You may be fine running it on your own for a while, but once you start to get orders coming in on a regular basis you will soon need to consider having someone else to help you.

You may even find yourself in the position of taking someone on part time as a receptionist or delivery driver.





Car Wash Self-service Business Plan Sample – Company Summary #business #names #available

#car wash business

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Car Wash Self-service Business Plan

Company Summary

Auto Paradise is a dynamic start-up company that will provide exceptional car care services to the members of the San Angelo community. Quality services that exceed expectations will establish Auto Paradise as the premiere car wash service in San Angelo, Texas. It will provide that following products and services to the local community:

  1. Two Laser Automatic “touch-free and spot-free” car wash bays
  2. Four “self-serve” bays
  3. Vacuum and car wash vending services
  4. Reverse osmosis drinking water.

Auto Paradise will establish its first location one lot from the intersection of Avenue N and Byrant Avenue, which are two of the busiest streets in San Angelo. The lot faces Avenue N and will be accessible from two sides. The ATM and RO dispensers will be accessible from a side road and will not interfere with the car wash traffic.

The facility will have two automatic car wash bays, four self-serve bays and an equipment room/office in the middle of the bays. It will also have four high powered vacuum islands (eight total vacuums), vending area, and an ATM/RO water area.

2.1 Company Ownership

Mr. Lewallen will create Auto Paradise as a Texas C corporation based in Tom Green County. Mr. and Mrs. Lewallen will be the majority owners (80%) with principal investors owning the remaining 20%. As of this writing, it has not yet been chartered and Mr. Lewallen is still considering alternatives.

2.2 Start-up Summary

Total projected start-up expenses (including construction, equipment, land, landscaping and related start-up expenses) come to $934,100. The start-up costs are to be financed by direct owner investment and long term financing.

A. Investment Options. Auto Paradise will open approximately 90 days after securing financing. Mr. Lewallen is offering several ways to invest in Auto Paradise:

  1. Company stock: Mr. Lewallen is offering 20% of company stock to investors. Auto Paradise is offering 1% of company stock for $7,500. Capital will help establish the first Auto Paradise location and provide “head start” on the second location. Auto Paradise plans to distribute $2,500 per 1% share each of the first three years.
  2. Secured Investment: Mr. Lewallen is offering a guaranteed 10% return for a three year investment. Mr. Lewallen is willing to secure these investments with personal assets/investments.

B. Financing. The SBA loan that Mr. Lewallen will secure from the SBA is structured to ensure Auto Paradise’s success during the early months of operation. The $740,400 loan includes two elements designed to help build operating capital. First, the loan includes a 10% ($69,000) construction contingency that will convert to operating capital if the construction costs are consistent with the estimate. It also includes 9 months of interim interest which will defer the long-term mortgage payment for 9 months (6 months of operation).

C. Land. Auto Paradise is in the process of securing a lot near (one lot from corner) the intersection of Bryant Ave. and Avenue N, which are two of the busiest streets in San Angelo. The lot will be 165′ along Avenue N and 175′ deep. The purchase is pending the results of a phase I environmental inspection, which is expected to produce favorable results.

D. Construction. Getting a firm construction bid is the next step in the process after securing the initial investors. The architect plans and an actual bid will be the last elements necessary to secure bank financing. The estimates included are from previous projects and are considered generous (on the high-side). The estimated $390,000 includes total construction costs for two automatic and four self-serve bays, parking lot, signage, landscaping and architect fees.

E. Construction Contingency. The 10% construction contingency will cover any unexpected expenses or shortfalls. This may be re-negotiated as a “line of credit” in order to reduce the amount of the loan.

F. Equipment. Washing Equipment of Texas (WET) has provided a detailed estimate for the purchase and installation of the equipment for two automatic bays, four self-serve bays, four vacuum islands (eight vacuums) and a reverse osmosis water dispenser. WET, which is located in San Angelo, will also provide all maintenance and repair services.

The assumptions are shown in the following tables and chart.

Need actual charts?

We recommend using LivePlan as the easiest way to create graphs for your own business plan.





Company addresses #business #week

#business address

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Company addresses

We explain how companies registered in Australia need to keep their email and address details up to date with ASIC.

How to change company addresses

You can make a change of address through ASIC’s website. It’s important to keep your information up to date so you receive information and avoid late fees.

To change your company addresses:

  1. Register for online access using your company’s corporate key
  2. Log in to our online portal with your company’s ACN or ABN
  3. Enter your username and password
  4. Select ‘Start new form’ and select ‘Change to company details’ (484)

You can then update all address details online. Any address changes will show on our register within seven days.

How to check your current company address details

To check your current company addresses you can:

  • Log in to your company officeholder account, or
  • Search our registers for your company details.

If your address details are incorrect, use our online services to update them.

What address details ASIC need

All Australian companies must give ASIC:

  • the address of their registered office and principal place of business
  • the residential address of each officeholder, and
  • the address of each member of a proprietary company (if there are less than 20 members),
  • the contact address if the company chooses to have one.

These addresses are visible when conducting a company search .

If we receive information that an address may be incorrect or when mail we have sent gets returned we may highlight this fact in our register .

Where does ASIC send correspondence?

Officeholders registered for online lodgement will receive their annual statement online.

Otherwise, ASIC sends correspondence to the registered agent or contact address. If a registered agent or contact address is not available, the registered office address is used.

If we don’t receive a response and there are still unpaid invoices, we may send correspondence to an officeholder’s residential address.

ASIC is sending me mail for a company I’ve never heard of

If you are receiving mail for a company that isn’t located at your address, see ‘What to do if you receive mail for a company that isn’t yours’ .

Email address

You can notify a change to your email address through our online services .

If you’re registered for online lodgement an email is sent when the annual statement is ready.

Registered office

An Australian company must have a registered office to receive correspondence. A registered office does not need to be the same as the company’s principal place of business, but it cannot be a post office box.

If the company does not occupy the premises, the occupier of the address must give written consent to use the address as its registered office.

You must notify us of any address changes within 28 days. Once you’ve made the change online, the new address will appear on our register within seven days.

Registered agent

Registered agents must tell us of changes to their address as soon as possible by completing Form RA01 Notification to register, change details of, or cease as an agent .

Contact address

If you don’t have a registered agent, you can nominate a contact address where we can send correspondence by completing Form 486 Notification to nominate, change or cease a contact address for a company. This address can be a post office box.

If you have a registered agent you must cease them first by completing a Form 362 Notification by a company to nominate or cease a registered agent or contact addres s online .

Principal place of business

An Australian company must tell us the address of its principal place of business. It cannot be a post office box

Tell us of a change to your principal place of business address online. You must notify ASIC of any changes within 28 days.

Company officeholder’s residential address

You must tell us the residential address of all directors, alternate directors and secretaries of a company. The address cannot be a post office box.

Tell us of a change to a company officeholder’s residential address online by completing a Form 484 Change to company details.

You must notify ASIC of any changes within 28 days.

Proprietary company member’s (shareholder) address

You must tell us the address of a member (shareholder) of a proprietary company, whether they are an individual or a company. This can be a post office box.

Where a proprietary company has more than 20 members in a share class, you only need to tell us the address of the top 20 members.

Tell us of a change to a proprietary company member’s (shareholder) address online by completing a Form 484 Change to company details.

You must notify ASIC of any changes within 28 days.

Suppression of residential address

This may be because:

  • they have a silent enrolment status by the Australian Electoral Commission
  • they are not recorded on an electoral roll in Australia

If they are not recorded on the electoral roll in Australia, ASIC will decide if their usual residential address on the corporate register may put at risk their personal safety or the personal safety of family members.

Where there is no physical change to an address

If an Australian address changes, but there is no change in the physical location, you must still notify us by completing a Form 484 Change to company details. You must also attach a letter from the company officer or liquidator informing us that the address has changed.

For example, a lot number is now a street number or a town/suburb has changed due to alteration of council boundaries.

Provided that the physical location has not changed, late lodgement fees will not apply.

Charities

If your company, registered body or foreign company is a charity registered with the Australian Charities and Not-for-Profits Commission (ACNC) some of your reporting obligations to ASIC will no longer apply. Find out what to do if you are a charity .

It is important that you keep your company address information current to ensure you meet your legal obligations and to avoid paying late fees.

Using our online services is fastest and most convenient way to keep your company address up to date.

Related links





How to Form a Corporation or LLC – Start Incorporating a Company

#incorporating a business

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How to Incorporate or Form an LLC

incorporate.com makes it easy for you to form a corporation or Limited Liability Company (LLC ) in any state. Most small business owners decide to incorporate to protect personal assets, gain credibility, and save on taxes.

How Do I Incorporate?

To get started incorporating a company, follow these simple steps below:

  1. Decide to incorporate. Before you set up a corporation, it’s important to understand the benefits of incorporating or forming an LLC. Knowing just what incorporating entails for you as a business owner – including financial and administrative expectations which may need to be reported periodically – can help you decide if incorporating is the right move for your company right now.
  • Select incorporate.com. It’s simple to form a corporation online. Rather than sift through endless piles of complicated paperwork and confusing terminology, we have helped countless businesses through the process of incorporation. Our thorough understanding of incorporation practices nationwide can assist you with making the process of forming a corporation as painless as possible.Learn why we think you will benefit from our services.
  • Choose a business structure. If you’re wondering, “Just how do I incorporate my business,” we will help guide you through the process and let you know what sort of business structure may best suit your needs of your corporation start up. C Corps, S Corps, and LLCs all provide different benefits. We can describe the differences which may help you choose the best structure for your company’s current needs and anything that arises in the future. Need more information about the differences between business structures? Check out our Business Comparison Chart .
  • Choose a state. Once you’ve decided that it’s time to start your own corporation, depending upon your company’s needs, you may want to incorporate in a state other than the one where your business currently resides. Additionally, some states have strict guidelines around unique names for corporations. When registering your corporation, we can help with naming that follows state guidelines. Get more information about choosing a state in which to start a corporation.
  • Choose a package. With a firm grasp of the options various company structures and states provide when forming or setting up a corporation, you’re well on your way to carving out a well-planned future for your new business. View our package options and begin incorporating a business online today.
  • Place your order. You can incorporate or form an LLC online or by phone with a Business Specialist at 800-818-6082 (toll-free) or 302-636-5440.
  • What Happens After You Place an Incorporation Order?

    Once you submit an order to start a corporation, we take care of the paperwork for you:

    • We assign your order to a Business Specialist, who will contact you if there are any problems with the preliminary name search.
    • We complete Articles of Incorporation (for a corporation) or Articles of Organization (for an LLC) on your behalf. A few states require us to get your signature on the completed documents before submission. Normally, we submit documents directly to the state.
    • We file your documents with the state in which you wish to start a corporation or an LLC.
    • We forward the state approval notice to you (generally within 5-10 business days, although turnaround times vary by state).

    Ready to Incorporate or Form an LLC? Check Pricing





    Company Registration #small #business #development #center

    #small business administration

    #

    Company Registration

    “A majority (more than 50%) of your firms’ equity (e.g. stock) must be directly owned and controlled by one of the following:

    • 1.1) One or more individuals who are citizens or permanent resident aliens of the US,
    • 2.2) Other for-profit small business concerns (each of which is directly owned and controlled by individuals who are citizens or permanent resident aliens of the US).
    • 3.3) A combination of (1) and (2) above.
    • 4.4) Multiple venture capital operating companies, hedge funds, private equity firms, or any combination of these, so long as no one such firm owns or controls more than 50% of the equity.

    Note: This option is allowed only for SBIR awards from agencies that are using the authority provided in § 5107 of the SBIR/STTR Reauthorization Act (majority-VC-owned authority), 15 U.S.C. § 638(dd)(1).

    *The venture capital operating company, hedge fund or private equity firm must have a place of business located in the United States and be created or organized in the United States, or under the law of the United States or of any State.

    Note: If an Employee Stock Ownership Plan owns all or part of the concern, each stock trustee and plan member is considered an owner. If a trust owns all or part of the concern, each trustee and trust beneficiary is considered an owner.”

    Sbir.gov

    “The size requirement: An SBIR/STTR awardee, together with its affiliates, must not have more than 500 employees. Is size determined by revenue for SBIR/STTR? No, for SBIR/STTR, size is determined only by the number of employees. There are no revenue limits. What is the definition of an employee? For the SBIR/STTR programs, an employee includes all individuals employed on a full-time, part-time, or other basis. This includes employees obtained from a temporary employee agency, professional employee organization or leasing concern. SBA will consider the totality of the circumstances, including criteria used by the IRS for Federal income tax purposes, in determining whether individuals are employees of a concern. Volunteers (i.e. individuals who receive no compensation, including no in-kind compensation, for work performed) are not considered employees. See 13 C.F.R. § 121.106(a).”

    OMB No. 3245-0356; Expires 01/31/2019

    Agency Micro-sites





    Own Your Own Direct Selling Company With K – B Small Business

    #small business ideas for women

    #

    Explore one of the best business ideas for women

    In Kaeser & Blair, I not only found a lifelong business partner, but I discovered one of the best small business ideas around!

    I looked at a lot of business ideas for women, but none of them were appealing to me. Kaeser & Blair offers you the ability to make a substantial income while owning your own business and selling awesome products. What could be better than that?

    The best small business ideas can be found with Kaeser & Blair

    Many companies – direct sale companies in particular – promote themselves as being good business ideas for women. They may offer the ability to sell products that women typically enjoy selling, or offer flexibility and freedom that allow women to work around a hectic schedule or diverse set of priorities. Many of these small business ideas sound great, but just don’t deliver on their promises.

    Kaeser & Blair business owners
    discuss how to make extra money.

    Kaeser & Blair is different. K
    /* 728×90, создано 05.02.11 */
    google_ad_slot = “6127977750”;
    google_ad_width = 670;
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    //–>

    30 Catchy Catering Company Names #global #business

    #catchy business names

    #

    30 Catchy Catering Company Names

    Calling all foodies! If you have a passion for making some delicious food and wish to turn that passion into money, then perhaps your calling is starting your very own catering company!

    Catering Company Names

    This is so important that it has its very own section! Choosing a name for a new business is not an easy task and requires a lot of thought, especially when it comes to catering company names. Here’s a few tips to consider when thinking of catering company names:

    • Clean: You will want to look for a name that sounds clean, because who would want to eat from a place that has a dirty sound? Keep it clean.
    • Professional: Especially important when dealing with brides! You want a name that gives the impression of absolute professionalism. Nobody will want to go to a company if their name makes them sound incompetent.
    • Your name: Feel free to use your name in your business name. Business sould stand proud in a sea of big corporations!
    • Food type: It’s more likely than not that you will be dealing with a specific taste of food, whether it’s Italian, Asian, or Latino cuisine. Make this clear in your name to make it easier for people to find you.
    • Event specialty: Many catering companies specialize in weddings but will also cater other events. Regardless, they often specify their main event types in their name to draw in that kind of business.

    With all of these tips considered, let’s move onto some example catering company names:

    Starting a Catering Company

    Many events call for catering services, and the volume of business you wish to serve will determine if you will be able to run it out of your home by yourself or if you will need to hire a crew to serve food out of a professional kitchen. Events such as small parties can usually be handled by one, but if you plan on doing large events such as business meetings and weddings, you might wish to operate in a professional setting.

    If you will be operating outside of your home, then you will need to find a good location! Ideal locations for catering companies are typically nearby other entertainment companies: DJs, photographers, etc. This is because when people are in need one of of those types of services, they usually need catering too, and how convenient it is to find one right next door! This will also enable you to build a relationship with other nearby companies, and offer discounted packages together as more incentive for business!

    Regardless of where you decide to have your business, you will need the golden approval of the Health Department. Any kind of business dealing with food needs to be inspected to ensure you are following the proper protocol for food storage and handling, and also for cleanliness. Not only should you be in contact with them, but also with the state and county to register your business for tax purposes. Starting off on a good foot means not starting off with the IRS on your back!

    Once you find your location, you will certainly need the right kitchen equipment in order to operate, right? Right! So begin looking for a supplier for your commercial equipment. This is where it becomes pricey, so if you don’t have a lot of money saved up for such expenses, I recommend that you either wait to start your business, hit the lottery, or more realistically, get a business loan. Also, look for a supplier for food, or join a bulk food-buying club such as Sam’s Club or Costco. This will help you save a lot of money off retail prices!

    Start a Catering Business – Learn How to Cater





    Company Registration #business #flyer #templates

    #small business administration

    #

    Company Registration

    “A majority (more than 50%) of your firms’ equity (e.g. stock) must be directly owned and controlled by one of the following:

    • 1.1) One or more individuals who are citizens or permanent resident aliens of the US,
    • 2.2) Other for-profit small business concerns (each of which is directly owned and controlled by individuals who are citizens or permanent resident aliens of the US).
    • 3.3) A combination of (1) and (2) above.
    • 4.4) Multiple venture capital operating companies, hedge funds, private equity firms, or any combination of these, so long as no one such firm owns or controls more than 50% of the equity.

    Note: This option is allowed only for SBIR awards from agencies that are using the authority provided in § 5107 of the SBIR/STTR Reauthorization Act (majority-VC-owned authority), 15 U.S.C. § 638(dd)(1).

    *The venture capital operating company, hedge fund or private equity firm must have a place of business located in the United States and be created or organized in the United States, or under the law of the United States or of any State.

    Note: If an Employee Stock Ownership Plan owns all or part of the concern, each stock trustee and plan member is considered an owner. If a trust owns all or part of the concern, each trustee and trust beneficiary is considered an owner.”

    Sbir.gov

    “The size requirement: An SBIR/STTR awardee, together with its affiliates, must not have more than 500 employees. Is size determined by revenue for SBIR/STTR? No, for SBIR/STTR, size is determined only by the number of employees. There are no revenue limits. What is the definition of an employee? For the SBIR/STTR programs, an employee includes all individuals employed on a full-time, part-time, or other basis. This includes employees obtained from a temporary employee agency, professional employee organization or leasing concern. SBA will consider the totality of the circumstances, including criteria used by the IRS for Federal income tax purposes, in determining whether individuals are employees of a concern. Volunteers (i.e. individuals who receive no compensation, including no in-kind compensation, for work performed) are not considered employees. See 13 C.F.R. § 121.106(a).”

    OMB No. 3245-0356; Expires 01/31/2019

    Agency Micro-sites





    Business Credit Report – Run a Free Company Search #business #documents

    #business credit reports

    #

    GET A PREMIUM
    BUSINESS CREDIT REPORT

    ProfilePlus SM

    The right credit decision can make or break a small business. Your business credit is often the basis for decisions other companies make about you, so it’s critical you know what’s in your business credit file.

    Business credit reports can also serve a vital role in managing credit risk. Our premium commercial credit reports provide the most complete and in-depth analysis of a business’s credit information, whether it’s your own business or that of a potential customer, prospect or vendor.

    The information in Experian’s business credits reports is continually updated, always accessible and includes:
    • Experian credit ranking score and credit summary
    • Key facts about the business
    • Corporate registration and contact information
    • Key personnel
    • Detailed financial payment trends
    • Predicted payment behavior
    • In-depth credit history
    • Uniform Commercial Code filing information
    • Banking, insurance and leasing information
    • Standard Poor’s financial information
    • Bankruptcy filings
    • Judgment filings against the business
    • Tax lien filings levied against the business
    • Credit inquiries made in the last nine months




    Brandconnect – Australia s BEST Promotional Products – Company Gifts #business #plan

    #business promotional products

    #

    Australia’s BEST Promotional Products & Company Gifts

    Brandconnect – Your No 1 Choice for Everything Promotional

    Even in today s digital world where almost everything is done online, having physical products featuring your company logo is still one of the best ways to build your brand.

    Whether you need to promote a company, institute, organisation or group, Brandconnect is guaranteed to have a high quality branded promotional product to suit your marketing requirements.

    Fast and Effective Brand Building

    The power of having your logo and company name on pens, t-shirts, bags and thousands of other great items, is not to be underestimated. Not only will your brand s visibility be dramatically increased, it ll also help to increase brand loyalty, the chance of future sales, and help your staff to feel motivated, committed and valued. Simply put, incorporating promotional merchandise and company gifts into your marketing plan will quickly help increase your company’s chances for success.

    Superior Quality Promotional Products

    Simply having any old branded corporate stock isn t enough. It s vital that your promotional products are of the highest quality and with the most professional branding. That s where Brandconnect comes in.

    As Australia s premier supplier of branded corporate products and company gifts throughout Perth, Sydney, Brisbane and beyond, we pride ourselves on only providing the very best quality goods, guaranteed to make a lasting impression.

    Your company deserves nothing less than to be showcased on superior goods which will last, and most importantly, look great. First impressions are everything and Brandconnect understand that better than most.

    Why choose us?

    Having been in the business of supplying high-calibre corporate gifts across Australia in cities like Sydney, Perth and Brisbane for over 14 years we know what works. We ve compiled over 10,000 excellent products on our store which we know are popular and effective. We are also leading experts in customer service and our buying power means we can offer industry competitive prices.





    Fleet Cars, Company Cars – BMW Corporate Sales #business #gifts

    #business cars

    #

    Cookies on the BMW UK website

    We use cookies to ensure that we give you the best experience on our website. If you continue without changing your settings, we’ll assume that you are happy to receive all cookies on the BMW UK website. However, if you would like to, you can change your cookie settings at any time. You can find detailed information about how cookies are used on this website by clicking on ‘Find out more’. Find out more

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    BusinessCar – Fleet and Company Car Hire News & Reviews #business #finance

    #business cars

    #

    Cookies on Businesscar

    We use cookies to ensure that we give you the best experience on our website. If you continue without changing your settings, we will assume that you are happy to receive all cookies on the Business Car website. However, if you would like to, you can change your cookies at any time

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    Company Address Services from Company Address Limited #catering #business

    #business address

    #

    Company Address Services for your business

    Virtual Office Address

    Mail Forwarding Address

    Registered Office Address

    About Company Address

    Testimonials

    testimonial__item” data-cycle-auto-height=”calc” data-cycle-pager=”.carousel-pager”>

    The application process was so simple and the customer service is excellent. All of the staff are so friendly and helpful, particularly with individuals who run start-up businesses like myself. I would highly recommend this service to any other growing businesses looking for address services.

    Naomi, Peace Focus Entertainment

    Delighted with the service. Was set up within a matter of minutes and they have genuinely been so quick and efficient in contact.

    Not sure if they are happy for me to say this or not but I signed up for the registered address only and had nothing but official mail included in forwarding. Despite this, I received a one off letter from Google during my first week.

    They emailed me a notification and asked if I would be interested in upgrading my package, I explained that this really was a one off and would have no need to for a more expensive service, they replied back instantly saying they completely understand and will forward it onto me free of charge! Fantastic service, would highly recommend to anyone.

    Marcus Sullens, DSG Group

    I have been in the process of setting up my corporation in Ireland remotely from New York since July of 2016. During that time I have found the services of Company Address to be prompt, courteous and effective. As anyone trying to accomplish this remotely will attest, having a service like this that you can rely on is very reassuring. I would highly recommend this company and service.

    Daniel O Sullivan, Gyst Technologies Limited

    Absolutely fantastic service highly recommended to others

    Chris Christou, Travelzoo.org

    I am delighted with the service we have received through Company Address. We receive our letters very promptly and any communication has been efficient and friendly. A great find!

    I have been using Company Address for over a year and have been impressed by their speedy service, and value for money. Highly recommend!

    Lee Ramsingh, Better Technology Consulting Ltd

    Great company, great service. Address was setup instantly and the price is very good for a London presence. They also scanned and emailed some postal mail for free even though it isn’t included in my service, that’s really nice! Thanks, Jacob- https://www.binaryoptionsexpert.net/

    Jacob Matthews, BinaryOptionsExpert.net

    i have been very pleased with the flexible and professional service offered by Company Addresss.

    We have been using this company for just under a year now. Company address have attended the companies requirements very professionally and worked with us to what mail can be scanned in and sent via email before being delivered via post. They are an absolute pleasure to work with!

    Lorraine, Liquid Screed Ltd

    I have been delighted with the quality of service I’ve received from Company Address and would recommend them without hesitation or reservation.

    Pani Bundy, Ace Fibreglass Roofing Limited

    good and reliable service, customer services are always prompt in their responses. Would recommend.

    Christine, BMS FIDUCIARY SERVICES LIMITED

    Company Address have been very helpful. We would highly recommend them.

    James, Bond Beaumont





    Own Your Own Direct Selling Company With K – B Small Business

    #small business ideas for women

    #

    Explore one of the best business ideas for women

    In Kaeser & Blair, I not only found a lifelong business partner, but I discovered one of the best small business ideas around!

    I looked at a lot of business ideas for women, but none of them were appealing to me. Kaeser & Blair offers you the ability to make a substantial income while owning your own business and selling awesome products. What could be better than that?

    The best small business ideas can be found with Kaeser & Blair

    Many companies – direct sale companies in particular – promote themselves as being good business ideas for women. They may offer the ability to sell products that women typically enjoy selling, or offer flexibility and freedom that allow women to work around a hectic schedule or diverse set of priorities. Many of these small business ideas sound great, but just don’t deliver on their promises.

    Kaeser & Blair business owners
    discuss how to make extra money.

    Kaeser & Blair is different. K
    /* 728×90, создано 05.02.11 */
    google_ad_slot = “6127977750”;
    google_ad_width = 670;
    google_ad_height = 90;
    //–>

    Captive Finance Company Definition #sba #loan

    #finance companies

    #

    Captive Finance Company

    What is a ‘Captive Finance Company’

    A captive finance company is a subsidiary whose purpose is to provide financing to customers buying the parent company’s product. Captive finance companies can range in size from mid-sized entities to giant firms, depending on the size of the parent company. Their range of services can also vary widely, from basic card services to full-scale banking. A captive finance company can be a source of significant profits for the parent organization.

    BREAKING DOWN ‘Captive Finance Company’

    A captive finance company is usually wholly owned by the parent organization. The best-known examples of such companies are the giant subsidiaries of the “Big Three” automakers, and the store card operations of large retailers such as Wal-Mart, Target and Sears.

    Due to the size and scale of their operations, the captive finance companies of the Big Three car manufacturers: General Motors Acceptance Corporation (GMAC), Chrysler Financial and Ford Motor Credit Company – are arguably almost as well-known as their parent companies. Note that subsequent to the bankruptcy of General Motors in 2009, GMAC underwent a name change to Ally Bank and rebranded as Ally Financial in 2010.





    Company Structure #business #internships

    #office depot business

    #

    Company structure

    The merger in 2013 of Office Depot and OfficeMax has created a stronger, more efficient global provider of business products, services, and solutions, fully committed to setting a new standard for serving the workplaces of today and tomorrow through innovation and exceptional customer experiences.

    Our global headquarters are in Boca Raton, Florida. Our company CEO and Chairman is Roland Smith.

    Office Depot’s operations are structured through a North American division and an international division.

    North America Division

    Our operations in North America provide business products, services and solutions to consumers and businesses across the U.S. and Canada. Our North American operations include a dedicated business-to-business sales organisation; retail stores operating under Office Depot and OfficeMax banners; and a combined website for Office Depot and OfficeMax customers at OfficeDepot.com. Our Canadian affiliate, OfficeMax Grand Toy, serves business customers via an advanced e-commerce website, award-winning customer service centers and direct sales representatives.

    International Division

    Our International Division includes operations in Europe and the Middle East, Asia-Pacific and Central Latin America, providing business products, services and solutions through a dedicated sales force, the web, retail stores and catalogues, and using a mix of company-owned operations, joint ventures, licensing and franchise agreements, alliances and other arrangements.





    Startup Company Name Generator #financial #news #today

    #business name generator

    #

    Startup Company Name Generator

    SIMILAR

    Generate highly relevant name suggestions which are closely related to the primary keywords searched for. Some of the methods used for the task are as follows

    • Synonyms, Antonyms and others using Thesaurus
    • More suggestions using words that co-occur much more often than normally expected (also known as collocations) and words that often form a continuous sequence in a text or speech (also known as n-grams)
    • With 6 million word relations database
    • Real World Intelligence which takes into account nearby places, languages, similar products etc. Check these examples – (california. mclaren. mac )

    Sometimes you might want to limit these alternative suggestions to one of the keywords or have keywords follow some characteristics based on length or starting and ending sequences. In these cases, you can use some special characters with your keywords :-

    • To make sure the your keyword is never replaced or removed in the generated company name, you can use the ‘*’ character with keyword.

    For example,. generating names for the keywords ‘cool* company’ will make sure that the word ‘cool’ is not substituted, whereas the keyword ‘company’ will be replaced with other similarly related words like business, firm, enterprise, brand etc

  • For inspiration, you can use ‘?’. which matches any character.

    For example. For dictionary words comprising of 4 letters you can use ‘. ‘ as the keyword in the input box. If you specify partial characters like ‘a. ‘, this will generate dictionary words of length four and starting with letter ‘a’.

    These options can be used multiple times within the same query.

    NEW

    New gtlds domain availabilty check tool. The internet is changing with the launch of new gtlds like .company. business. enterprises. brand which allows for more possibilities into getting the domain names you have always wanted. Currently, supporting hundreds of new gtlds. Gtlds related to your keywords are generated and checked.

    SEO

    SEO can be a very important factor for your new company name. Using main keywords can help users understand your business very well. This will suggest name ideas while preserving your main keywords. Some of the ways to generate SEO domain ideas are as follows

    • Very short additions to entered name like adding i, my, the, a, e as prefixes and adding me, it as suffixes. Hundreds of these popular prefixes and suffixes including dictionary words are used to generate company names including your main keywords.
    • Words that can be derived from the root of your keyword, mostly including present, future, past and nouns which are dictionary words are generated.
    • You can also tell the generator to use all dictionary words containing some sequence of letter by using *. followed by the sequence of letters. For example:- ‘*k’ will include small dictionary words having the letter ‘k’

    SHORT





  • Company Address Services from Company Address Limited #canadian #business #magazine

    #business address

    #

    Company Address Services for your business

    Virtual Office Address

    Mail Forwarding Address

    Registered Office Address

    About Company Address

    Testimonials

    testimonial__item” data-cycle-auto-height=”calc” data-cycle-pager=”.carousel-pager”>

    The application process was so simple and the customer service is excellent. All of the staff are so friendly and helpful, particularly with individuals who run start-up businesses like myself. I would highly recommend this service to any other growing businesses looking for address services.

    Naomi, Peace Focus Entertainment

    Delighted with the service. Was set up within a matter of minutes and they have genuinely been so quick and efficient in contact.

    Not sure if they are happy for me to say this or not but I signed up for the registered address only and had nothing but official mail included in forwarding. Despite this, I received a one off letter from Google during my first week.

    They emailed me a notification and asked if I would be interested in upgrading my package, I explained that this really was a one off and would have no need to for a more expensive service, they replied back instantly saying they completely understand and will forward it onto me free of charge! Fantastic service, would highly recommend to anyone.

    Marcus Sullens, DSG Group

    I have been in the process of setting up my corporation in Ireland remotely from New York since July of 2016. During that time I have found the services of Company Address to be prompt, courteous and effective. As anyone trying to accomplish this remotely will attest, having a service like this that you can rely on is very reassuring. I would highly recommend this company and service.

    Daniel O Sullivan, Gyst Technologies Limited

    Absolutely fantastic service highly recommended to others

    Chris Christou, Travelzoo.org

    I am delighted with the service we have received through Company Address. We receive our letters very promptly and any communication has been efficient and friendly. A great find!

    I have been using Company Address for over a year and have been impressed by their speedy service, and value for money. Highly recommend!

    Lee Ramsingh, Better Technology Consulting Ltd

    Great company, great service. Address was setup instantly and the price is very good for a London presence. They also scanned and emailed some postal mail for free even though it isn’t included in my service, that’s really nice! Thanks, Jacob- https://www.binaryoptionsexpert.net/

    Jacob Matthews, BinaryOptionsExpert.net

    i have been very pleased with the flexible and professional service offered by Company Addresss.

    We have been using this company for just under a year now. Company address have attended the companies requirements very professionally and worked with us to what mail can be scanned in and sent via email before being delivered via post. They are an absolute pleasure to work with!

    Lorraine, Liquid Screed Ltd

    I have been delighted with the quality of service I’ve received from Company Address and would recommend them without hesitation or reservation.

    Pani Bundy, Ace Fibreglass Roofing Limited

    good and reliable service, customer services are always prompt in their responses. Would recommend.

    Christine, BMS FIDUCIARY SERVICES LIMITED

    Company Address have been very helpful. We would highly recommend them.

    James, Bond Beaumont





    Woolworths Insurance Review, Claim & Quote #australia, #australian, #insurance, #company, #reviews, #woolworths


    #

    Woolworths Insurance Review

    Note: Views expressed in this review are not the opinion of Insurance Fort. It is a summary of multiple reviews collected from community-review websites posted by consumers. Please read our Disclaimer for more information.

    Insurance Review:Woolworths Insurance Reviewed by Insurance Fort

    Rating: 5 /5 on 2017-05-29

    Insurance Company Description: Woolworths is an Australian household name that was started as a single basement store in Sydney’s Pitt Street in 1924. Since then, Woolworths has grown itself throughout Australia and into New Zealand by providing fresh food. Right now, Woolworths has also added insurance into the list of services they provide.

    Pros: Since the day Woolworths insurance started providing pet insurance, many happy customers have praised the company for their great benefits. There are three levels of options that customers can choose from, each tailored to fit the special needs of pet owners. Any cats and dogs after 8 weeks old are available to get insured.

    There are reports from customers that up to 80% of their vet bills were able to be claimed for, up to $12,000 a year. This is a very high number, making Woolworths a very desirable company to be with. Feedbacks have been left by policyholders that they were able to go to any licensed vet in Australia, and were covered for extra benefits such as Emergency Boarding and Paralysis Ticks. A customer has been noted for able to claim for micro-chipping, teeth cleaning, heartworm preventative medication, dewclaw removal and more.

    Regarding their Life Insurance, covers are found to be extremely cheap while offering a comprehensive cover. Prices start at under $2 a week, and single and join covers are available. The cooling period spans for 30 days, which is a very long time compared to other insurers that only offers a cooling periods of two weeks.

    Payments for premiums can be made fortnightly, monthly or yearly without having to pay any extra fees. This is very convenient for people that wants to get a good insurance policy but don’t have the budget to pay for it at one go. The staffs are always known to be nice, friendly and caring for their customers.

    Overall: Woolworths Insurance is an outstanding company that has been praised by many people. Their premiums are low while offering a wide range of protection and high claim percentages. Making payments is very flexible because customers can choose to pay either fortnightly, monthly or annually.

    Insurance Fort believes that Woolworths is an insurance company worth purchasing insurance from.

    Contact Information

    Related Insurance Reviews

    Insurance Reviews

    Pros: I don’t like Woolworths Insurance hitting customers with inhumane, massive fines.

    Cons: Peter and I were attracted by Woolworths Insurance (Car) because of the price. We chose the policy and paid the first year, and it hit us with a most unbelievable, inhumane fine at $2,000.00, saying we excessed our odometer kilometres! Mind you, the whole insurance was not over $600.00!!

    Too shocked, I found we were fallen into a trap, and this is way too ridiculous. No way, should anyone suffer a fine like that!

    Overall: Peter and I were attracted by Woolworths Insurance (Car) because of the price. We chose the policy and paid the first year, and it hit us with a most unbelievable, inhumane fine at $2,000.00, saying we excessed our odometer kilometres! Mind you, the whole insurance was not over $600.00!!

    Too shocked, I found we were fallen into a trap, and this is way too ridiculous. No way, should anyone suffer a fine like that!

    Pros: Loving everything about them. They are once again, competitive with the services and products they offer.

    Overall: As being a big woolies fan, I was pleased to know that they now offer insurance as well. I have a dog that has never gotten any type of insurance coverage before, but after seeing woolworths insurance offered such service, I decided to give it a go.

    Now that I am with them, my dog can enjoy frequent trips to the dentist without me paying a fortune.

    Pros: Great staff, very friendly and very professional. Cheap quotes.

    Cons: Should have more types of insurance

    Overall: I was very excited when I found out that woolworths were having their own insurance company. Even though it was just for pets, I quickly joined knowing I will be able to get the best service and even price becuase I was one of the early birds.

    I have been very happy and pleased with what I have been getting. I have bene getting benefits everytime I visit the vet for my dog, saving me up to a thousand dollars!

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    Phoenix s Choice Garage Door Co #phoenix #garage #door,phoenix #garage #door #repair,phoenix


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    Phoenix’s – Garage Door Repair & Service

    It’s Sunday evening and your garage door suddenly broke! Are you worried about how to get your broken garage door repaired immediately? Sit back and relax as we are here to help you with all kinds of repair services that you may need for your garage door. Whether you need to replace your garage door, repair broken garage door springs or replace your garage door opener, we will be there to help you out within a short span of time.

    As a leader in the field for providing the best service for your garage door, we are committed to offering you a plethora of repair services for any emergency related to your garage door in Phoenix. Just give us a call and our technicians will be there within an hour to help you. We aim to provide our customers with the best possible customer service, which is the reason that we have come up with our 24/7 emergency service so that you can contact us any time that you need.

    We have a team of well-trained technicians who have the expertise and knowledge to provide you with the best quality repair services in the area. We believe in providing our customers with the best possible service within a short span of time. For this reason you can get your garage door repaired without spending a fortune. As soon as you call, we will determine the problem and provide our customized services. We schedule same day service so as to resolve your problem immediately. Give us a call today and we will be there to help you.

    Repair


    Your Bank May Not Be Offering the Best Refinancing Deal #best #refinance


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    Your Bank May Not Be Offering the Best Refinancing Deal

    Continue Reading Below

    Here’s what you need to know about your mortgage holder’s offer. Those who have refinanced or bought a home since 2008 know all too well what it’s like to get a mortgage. The questions, and the need document every aspect of the credit, debt, income and assets, while all very important, nevertheless make the process challenging.

    You’ll Still Need Documentation

    A common pitch given to consumers is Since your loan is already with us, your loan process will be made much easier. However, the reality is that regardless of whether you refinance your home with your current mortgage holder or with a different company, you’ll need to provide tax returns, W-2s, pay stubs and bank statements.

    Pre-2014, it was possible to provide lighter documentation for lenders originating and selling loans directly to Fannie Mae and Freddie Mac. But the rules changed Jan. 10, requiring lenders to prove a consumer’s ability to repay by having an appropriate debt-to-income ratio, as well as providing full supporting financial documentation.

    In other words, since all lenders are going to require the same documentation, it’s not necessarily going to be easier with your current lender. A history of making on-time payments is not a substitute for documentation. Your current lender does not store your most recent tax returns or last month’s bank statements, which are needed to complete a refinance — especially if you bank with another financial institution.

    Continue Reading Below

    You’ll Still Need an Appraisal (Probably)

    There are two programs presently in place for homeowners wishing to refinance without the need for a new appraisal. An FHA Streamline Refinance – which is paying off one FHA Loan in exchange for a new FHA loan with a preferred interest rate – does not require an appraisal.

    The Making Home Affordable Program (aka HARP 2.0) specifically states on a case-by-case basis, if the loan being paid off was taken on before June 1, 2009, and the loan is owned by Fannie Mae or Freddie Mac, a borrower has the possibility of refinancing without an appraisal. Otherwise, in a traditional refinance a home appraisal is required to determine the loan-to-value and the borrower’s ability qualify for the mortgage.

    A Decision-Maker Will Still Be Involved

    Usually, the loan package created by your loan officer is reviewed by a decision-maker, an underwriter with the mortgage company to which you’re applying. The job of the underwriter is to mitigate risk for your mortgage holder, i.e. the lender. In order to mitigate the possibility of loan risk they create conditions such as providing updated financial documentation, explaining a deposit in the bank account, for example, and sign off on those conditions for a final approval for docs to be drawn.

    Whether you go with the new mortgage company or you stay with your current mortgage holder, your refinance request will be handled by an underwriter who will sign off on your ability to qualify.

    A Level Playing Field for Rates Fees

    When it comes to closing costs, no lender has a monopoly on the market to create an unfair competitive advantage. Due to both mortgage and insurance industry regulations, closing costs rarely fluctuate among these neutral third parties.

    Closing costs vary in terms of what lenders charge in lender fees, origination fees and discount points. Also, mortgage money comes from loans that are created, bought and sold on the secondary mortgage market. Lenders have access mostly to the same rates and programs, but fees vary among lenders. One lender cannot offer interest rates dramatically lower than market rate, however, loan programs do change the interest rate dynamic. For example, a 10-year fixed rate is always lower than a 30-year fixed rate.

    When to Refinance With Your Current Bank

    It may make sense to refinance your loan with your current mortgage holder if you have a previous credit challenge such as a bankruptcy, if you recently had or are near foreclosure, or there is a major income concern. In such circumstances however, you would likely not be seeking a refinance, but a loan modification. In recent years some homeowners have also been choosing to procure a loan modification in lieu of refinancing due to refi loan-to-value restrictions.

    Since the real estate market has picked up in most markets, refinancing is now a possibility for homeowners who previously were unable to do so due to a lack of home equity.

    Why a Second Opinion Can Help

    Procuring a second opinion from an outside lender against and your mortgage holder’s quote is always a prudent route to explore, even more so if you have steady employment, good credit and manageable debts.

    Working with an expert loan professional could mean the difference between having a quick, efficient process with reasonable rates and fees and a process with a lender that cannot be guaranteed to go easily merely because they collect your mortgage payment each month.

    [Editor’s note: Before you refinance your home, it can be helpful to check your credit scores to see where you stand. A lower credit score can mean a higher interest rate, which means higher monthly payments. If you need a higher credit score before you refinance, taking the time to build your credit can put you in a better position to receive lower rates when you’re ready to apply. There are free tools that can help you monitor your credit scores, such as through a free account with Credit.com. which also provides an analysis of your credit to help you come up with a plan to build your credit over time. ]


    Seattle Pest Control and Wildlife Critter Removal #seattle #pest #control, #seattle #animal


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    Seattle Pest Animal Control and Wildlife Removal

    A WILDLIFE PRO: Here at A Wildlife Pro, we specialize in humane capture and removal of nuisance wildlife from both residential and commercial properties. We operate a full-service nuisance wildlife pest control company, specializing in conflicts between people and wild animals. We do far more than just trap and remove animals. We provide a complete and permanent solution for your critter problem. For example, if you’ve got animals living in your house, we don’t simply trap and remove them. We find the root cause of the problem – usually something attractive about the house, such as holes or openings at the roof line leading into the attic, and we seal these openings shut after the wildlife have been removed, so that you don’t have the problem ever again. We identify and repair any damage that the animals may have caused, and clean up after their habitation, which may have resulted in biohazardous waste left behind. We perform our services with the greatest of attention to detail and the highest quality customer service, and back up our work with a guarantee. If you need to hire us, just give us a call any time: 206.799.6403

    • Serving Greater Seattle / King County
    • Humane Wildlife Trapping and Removal
    • Fully Licensed and Insured
    • Residential and Commercial Service
    • Emergency 24 Hour Service Available
    • Damage Repairs and Exclusion
    • Attic and Waste Cleanup & Decon
    • Seattle Rat Control Experts
    • Owner-operated – Friendly Service!

    General Contractor Registration: CC WILDLWP862MQ

    AREAS SERVED: We operate throughout the Greater Seattle and Puget Sound area. We are based out of downtown Seattle, and service the surrounding area and King County. We operate in Bellevue, Redmond, and Kirkland of course, and to the north Woodinville, Bothell, Kenmore, Sheridan Beach, Mountlake Terrace, Lake Forest Park, Edmonds, and Shoreline. The the west we will go to Bainbridge Island, Bremerton, Orchard Heights, and other parts of Kitsap County. For larger jobs we will travel south to Pierce County and Tacoma, University Place, Lakewood, and more. We also of course serve the more southern end of Seattle, including Newcastle, Renton, Skyway, White Center, Tukwila, Burien, Des Moines, Kent, Auburn, and more. If in doubt, just give us a call and explain your wildlife problem and your location, and we will determine if you are within our service range.

    Seattle Rat Control Experts: One of the most common wildlife problems we encounter in the Seattle area is rat infestation. Many people get rats in their home. We deal with both major rat species: the Norway Rat, which tends to live at ground level and in the basement of your home, and the Roof Rat, which tends to live in higher areas, such as your attic. Either will infest the entire house at times, but we completely eradicate them using the top expert methods in the country. We are Seattle’s best rat extermination company, and the true experts at rodent control. We will completely solve your rat problem permanently, and give you a guarantee on our work.

    Animal Trapping: We deal with all sorts of nuisance wildlife issues. First up is raccoons. We commonly encounter problems with these cute and talented, but pesky, critters. Raccoons will often break into your garbage, steal your pet food, dig up your landscaping, and more commonly, break into your attic. We humanely trap and remove these masked bandits. Opossums are another animal that can sometimes cause headaches for homeowners. We take care of possums too. We commonly deal with squirrels – they love to chew into your house and make a home in your attic. Once inside, they often continue to chew, on both the woodwork and the electrical wires. We perform complete squirrel removal and repairs. We are also Seattle bat control experts. When a colony of bats has taken up residence in your house, we take care to remove 100% of the bats with no harm to these gentle and beneficial creatures. We ensure that they will never enter your home again, and clean up the waste they have left behind. The same goes for bird and pigeon control. In addition we also perform dead animal and carcass removal for private residences. We also deal with many other types of wildlife, such as moles and skunks and snakes. Just give us a call, and we will handle your Seattle animal control wildlife problem.

    Damage Repairs: Often, the most important step of a complete animal damage control project is the performing of repairs. If you’ve got animals in your house, such as squirrels in your attic, then you’ve got holes in your house that the animals can use to get in. Often, the animals are able to utilize several entry points – this is almost certainly the case with rats – and the only way to correctly and permanently solve such a wildlife problem is to perform a complete and detailed inspection of the building, and to completely and permanently repair and seal off any of these entry holes. Once the holes are shut, all future animals are blocked off, and the problem is permanently solved. No animal control project is complete without exclusion repairs.

    Building Cleanup: When animals live in your house or attic, they always leave their waste behind – this means their urine, excrement, and body oils. They can also commonly bring in nesting materials, food, and parasites. Some of the waste can pose a real biohazard and health risk. If we identify that your home has been contaminated with animal feces or other byproducts, we can perform full home and attic cleanup and decontamination services. This not only destroys odor and keeps your home safe, but often goes a long way in repelling new critters that would otherwise be attracted to the scent of their own kind in your home.

    Give us a call any time for your Seattle Wild Animal Pest Control needs!

    Tip of the month: Prevent rats entering your Seattle home – To prevent rats entering your home, you need to do more than just purchase a large cat. No amount of cats or dogs will keep rats away from a home that has fallen into a state of disrepair. The condition of your house is the main factor in your rodent risk assessment. A rat cannot enter a home that doesn�t have any openings in the exterior. You will never be able to keep rats away from your property, especially if you live in an urban setting. The best you can hope to accomplish is to create an impenetrable barrier that rodents cannot enter. Rats are scavengers; they will not work too hard for what they can find for free. Safeguarding your home does not mean just sealing up the holes that look to be rat-size. A rat may not want to chew a new hole, but a rat will not hesitate to enlarge a ole that is already there. Any opening or damage on your home needs to be repaired. This ideal is not reserved just to unwanted gaps and cracks. Some openings in a home need to be there: like vents. Make sure air vents, dryer vents, and chimney openings have the proper caps and grates on them. Older buildings can also be susceptible to rats entering through the plumbing system.


    Hcc life #lavasa, #mumbai, #hillcity, #hill #city, #india, #maharashtra, #laketown, #pirangut, #mutha,


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    Disclaimer

    This website contains certain information regarding Lavasa Corporation Limited, which is subject to a number of risks and uncertainties, and actual results could materially differ from those in such information. Important developments that could affect the company s operations include a downtrend in the real estate sector, significant changes in the political and economic environment in India, development regulations, tax laws, labour relations, litigation etc. The company does not undertake to make any announcement in case any of this information becomes materially incorrect in future or updates any information made from time to time by or on behalf of the company. All information is prepared and issued in good faith and is for guidance only. It does not constitute part of an offer or contract. It is your responsibility to evaluate the accuracy, completeness and usefulness of any opinions, advice, services or other information provided. All designs, photos, specifications and representation shown in this website are illustrative in nature and subject to change without any notice.

    RIDER A

    Lavasa Corporation Limited is proposing, subject to receipt of requisite approvals, market conditions and other considerations, to make an initial public offer of its Equity Shares and has filed the DRHP with SEBI. The DRHP is available on the SEBI website at www.sebi.gov.in as well as the respective websites of the BRLMs at www.axiscapital.co.in. investmentbank.kotak.com. www.icicisecurities.com. Investors should note that investment in equity shares involves a high degree of risk and for details relating to the same, see the section Risk Factors on page 19 of the DRHP.


    Safe Moving Houston #safe #moving #houston,gun #safe #moving #houston,safe #moving #company #houston


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    WELCOME TO DOUBLE STEEL SAFES

    AREA OF OPERATION SAFE MOVING

    WE COVER A 300 MILE RADIUS FROM LUFKIN

    We run one of the largest safe moving and safe installation operations in 4 states; Texas, Louisiana, Oklahoma and Arkansas! We cover a 300 mile radius from our home office in Lufkin, Texas. If you are not in our coverage area, please give us a call and we will still be able to help you.

    CUSTOMER RATINGS AND REVIEWS

    I use Double Steel Safes to move my safe in Houston. They were quick to respond and had the best price. Within 1 day, John and his crew were at my house, loaded up the safe and moved it to our new house. John was very helpful, polite and knowledgeable. His crew moved the safe without a single issue. I highly recommend Double Steel Safes if you ever need a safe moved.

    Mark M. | Safe Move in Houston, Texas

    I recently purchased a safe from a local vendor here in Tyler. When they told me I was responsible to deliver the safe myself, I was in disbelief and almost cancelled. I quickly called a friend of mine and asked if he knew anyone that could help me. He gladly told me about Doubt Steel Safes and Vaults. Within hours of calling, Double Steel was at the warehouse picking up my new safe. There would have been no way I would have been able to get this 3,000 lbs. safe home. Thank you very much for helping me out. You have a customer for life!

    David J. | Safe Move in Tyler, Texas

    I bought a safe a few months ago at the Conroe gun show from Double Steel Safe and Vaults. At the end of the show, they loaded up my safe and delivered it to my office which was on the other side of Houston. It was one of best delivery experiences I ever had. John, his wife Amanda and the installation crew were all very polite, professional and knowledgeable. If you are looking to purchase a new safe or looking for safe moving in Houston, I would highly recommend these guys.

    Alex B. | Safe Purchase in Houston, Texas

    I needed a safe moved to our new office location in Lufkin. I called a few other companies before I found Double Steel Safes. All three companies came out, looked at the size of the safe and said there was no way they could move it. I was about to give up on the project, but then I called John at Double Steel. He said he could handle the move and was at the office within 48 hours. Needless to say, John and his guys were able to remove the safe, safely transport it and install it in our new location. These guys really know what they are doing. Thank you very much for the great job.

    Joesph V. | Safe Move in Lufkin, Texas

    Called these guys to move a safe in Lufkin. They were quick and professional. Very good experience I had. Highly recommended.

    Ruben A. | Safe Move in Lufkin, Texas

    I wanted to purchase a gun safe for my Husband for Christmas. Thank God I found Double Steel Safes for I had no clue about any type of safe! Both Amanda and John were very helpful. Amanda found one that was in my price range and my Husband loved it! It was exactly what he was looking for. Thank you so much for the help!

    Angle A. | Safe Move in Lufkin, Texas

    Excellent safe moving company. I called on a Wednesday and John showed up on Thursday morning. Everything went very smooth and our new safe is place! If you need a gun safe mover in Houston, I would highly recommend you call Double Steel Safes! Thank you again John.

    Jacob K. | Safe Move in Houston, Texas

    We purchased a safe at the George R. Brown Convention Center gun show and called John immediately after. He has helped move our safes for years. Time after time, John and his crew always do an excellent job.

    Damion K. | Safe Move in Houston, Texas


    Local Moving Systems Boston, MA #boston #movers, #boston #moving, #boston #moving #companies,


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    Get a Moving Quote with Boston Moving and use our Great Movers Prices

    Movers in Boston

    Summertime should be the best time to move, nice and favourable weather, kids are out of school and the home buying season is at its peak so moving items and products from one place to another may be very difficult in so many instances. Almost 23 percent of moves occur during this time of the year which is 13 percent higher compared to other months. Movers Boston offers services that will suit your needs and demands. Moving frequently is a traumatic and wild experience for several people, particularly if you are moving a family unit or if you are a latest property holder and about to move your documents and apparatus to your next office. A moving company should be able understand the ins and outs of how to plan for moving day.

    Look for reliable Boston Moving Companies that will provide resources that shape intricate must-deal decisions like looking for licensed movers without hassles and by connecting clients with a wide range of experts and helpful tips. We hope to make the course of moving as stress-free as possible. Reliable Boston movers also make sure that your personal information is safe and secured. The Boston Moving Company offers complete Boston Moving Services, as well as tools designed to reduce the time, cost and stress associated with moving. Movers Boston provides cheap and reasonable price quotes you can afford. We take care of the moving process from start to finish without any unwanted delays as possible. Taking care of your items from careful packing customized to fit your moving needs up to safe and on time moving deliveries is our top priority.

    Boston movers are also very versatile in moving in your big or small precious items. They will pack and carry safely your belongings through your new home plus they have reliable and well trained movers that will take care of the whole moving activity. Moving Company Boston services will be worth every single centavo you pay. Don’t waste your time thinking of how you’ll move your life to another den, be in touch with reliable Moving Companies Boston and they’ll do the rest.

    Our Company

    With our impeccable reputation and years of service in Boston area, BOSTON MOVING is proud to be full service moving company of choice for many satisfied customers.

    Testimonials

    Worry free move!The moving crew arrived on schedule, they were very personable and very careful with all my belongings and the move was within the price quoted. This was the most worry free move I have experienced.

    Our Services

    • Long Distance
    • Local Moves
    • Residential Moving
    • Packing Service
    • Moving Storage
    • Office Moving
    • Industrial Moving

    Blog

    People do believe that everything needs to go to changes and everything is temporary. Even your life is temporary; it is a must to be adaptive to what the time demands and what our life requires.


    24 Hour Bail Bonds #24 #hour #bail #bonds, #bondsman, #bail #bonds #service,


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    Welcome To Reliable Bail Bonds

    Oops! Looks like you don’t have javascript enabled. Please enable javascript in your browser or contact our customer support team to resolve this issue.

    Information: Have you ended up in jail and need 24 hour bail bonds to help get you out? Are you on the searching for ‘bail bonds near me’ because someone you know needs help getting out of jail? If you said ‘yes’ to any of these questions, you want to make sure that you hire a bondsman that you can trust and completely depend on. If you are ever in need for a bail bonds company around Denver, Colorado, make sure to call Reliable Bail Bonds. As a 24 hour bail bonds company, we are here whenever you need us, no matter what.

    When it comes to being in jail, we understand how hard and stressful it can be. No one wants to be locked up behind bars. That is why we are here to help you. Being behind bars is difficult and we want to ease the situation. As a bail bonds company. we have the highly-trained agents you will go above and beyond to ensure that you get the services that you need. We treat all of our clients with dignity to ease the situation and make the process of getting the bail bonds that you need quick and easy. Many people use our services because we treat our clients with the type of professionalism and friendly service that they can count on.

    So if you are searching for ‘bail bonds near me’ around Denver, or around the surrounding areas, stop what you are doing immediately and call us right away. When it comes to great 24-hour bail bonds service. you surely cannot find a better bondsman around the area that can provide you with the quality services that we can, here at Reliable Bail Bonds. Here at Reliable Bail Bonds. we don’t treat our clients like criminals. Get the respect and professional service that you need to get out of jail. Call Reliable Bail Bonds. Learn More

    Address

    3934 N. Federal Blvd.
    Denver, CO 80211

    Hours

    Additional Articles

    Insurance Underwriter #underwriters #insurance #company


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    Insurance Underwriter

    BREAKING DOWN ‘Insurance Underwriter’

    Insurance companies walk a tightrope between being too aggressive or too conservative in their underwriting duties. If they are too aggressive, greater-than-expected claims could cut into company earnings; if they are too conservative, they will be outpriced by the competition and lose business. Insurance underwriting is big business as Warren Buffett has used insurance and reinsurance premiums to fund his investments at Berkshire Hathaway .

    Underwriters must analyze numerous rating factors when developing premium rates. Not every risk can be measured objectively. Pricing is subject to underwriting discretion that typically accompanies systematic rating methodologies.

    Homeowners Insurance Underwriters

    Homeowners insurance underwriters must consider numerous variables when rating a homeowners policy. Property and casualty insurance agents act as field underwriters, initially inspecting homes or rental properties for conditions such as deteriorated roofs or foundations that pose a risk to the carrier. Those hazards are reported to the home underwriter who additionally considers hazards that may trigger a liability claim. Conditions such as unfenced pools or cracked sidewalks present risk to the insurance company who may need to pay a liability claim in the event of an accidental drowning or slip and fall injury.

    Inputting a number of factors, which often includes an applicant’s credit score, homeowners underwriters employ an algorithmic rating method to price policies. That system generates an appropriate premium based on the platform’s interpretation and synthesization of all data reported from the observations of the field underwriter. The lead underwriter also subjectively considers answers submitted by the applicant on the policy application when arriving at a premium.

    Medical Stop Loss Underwriters

    Medical stop loss underwriters assess risk based on the individual health conditions of self-insured employer groups. Stop loss insurance is placed to protect groups that pay their own health insurance claims for employees, rather than paying premiums to transfer all risk to the insurance carrier.

    Self-insured entities pay medical and prescription drug claims plus administration fees out of company reserves and assume risk posed by the potential for large or catastrophic losses such as organ transplants or cancer treatments. As such, these underwriters must assess individual medical profiles of employees who present with emerging or pre-existing medical conditions. Underwriters also assess the risk of a group as a whole and calculate an appropriate premium level and aggregate claims limit which, if exceeded, may cause irreparable financial harm to the employer.


    Life Insurance Quotes – See Life Rates Now #life #insurance, #life #insurance


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    Life Insurance

    Life insurance is your financial safety net

    Progressive Advantage life insurance (powered by Efinancial) can help your family maintain the lifestyle they’ve grown to love and provide longer-lasting financial security. Your family can use it to help pay for funeral expenses, housing costs, medical bills not covered by health insurance, children’s college, debts and just about anything else they may need.

    Simply put: life insurance can remove many of your financial worries. Just get a life insurance quote today, check these worries off your list and your family could be better protected.

    Life insurance rates are more affordable than you might think

    Progressive Advantage offers affordable life insurance rates starting at $14 per month. *

    Coverage options start at $50,000 and go all the way up to $1 million. The younger and healthier you are, the more affordable your rates can be.

    What is life insurance and how it works

    A life insurance policy works similarly to any other type of insurance policy. You determine how much coverage you need, how long you need it and then you make your payments (called premiums). You typically can choose to pay monthly, annually or quarterly for 10, 20, 30 years or over your lifetime to maintain the coverage. When you die, if your policy is still active, the people you’ve listed on your policy (called your beneficiaries) get paid the death benefit. In most cases, this payment is paid in one lump sum.

    Different types of life insurance

    Typically gives the most bang for your buck with the most affordable premium payments and a comparable payout. As long as premiums are paid, the policy lasts the selected term length (standard options are 10, 15, 20 and 30 years).

    Gives a guaranteed payout no matter when you pass away, as long as you keep paying your premiums. Plus, funds can often be withdrawn from your policy. These funds are known as the cash value of your life insurance policy.

    Offers more affordable premium payments and a lower payout amount. This type of life insurance is designed for paying off your final expenses, such as medical bills, credit card debt, funeral and burial costs, etc.

    Get a life insurance quote online and compare rates in just 5 minutes

    We partner with Efinancial to bring you one of the industry’s leading searching and comparing technologies. It’s 100% secure, and Efinancial works with top-rated life insurance companies to bring you some of the most competitive rates.

    Get a life insurance quote, and you can instantly compare policy options and estimated rates from several leading life insurance companies.

    Get a life insurance quote online or call for expert advice


    ING Bank, Amsterdam, Netherlands #bank #profile, #directory, #company, #head #office, #address, #phone,


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    ING Bank

    ING Groep N.V. is a global financial institution with a strong European base offering banking services through its operating company ING Bank. ING Group offers banking, investments, life and non-life insurance, and retirement and asset management services. ING is an abbreviation for International Netherlands Group (Internationale Nederlanden Groep).

    ING Bank s 53,000 employees offer retail and commercial banking services to customers in over 40 countries. ING Direct is a virtual bank with operations in Australia, Austria (branded ING-DiBa), Canada, France, Germany (branded ING-DiBa), Italy, Spain and the United Kingdom.

    Total assets: EUR 842 billion (as of December 31, 2015).
    Net profit: EUR 2.80 billion (2010), EUR 5.78 billion (2011), EUR 4.36 billion (2012), EUR 3.55 billion (2013), EUR 1.25 billion (2014), EUR 4.01 billion (2015), EUR 4.65 billion (2016).

    These ads are not affiliated with ING Bank

    ID: 784. Updated: 02.02.2017

    Disclaimer | The information contained in this website is not meant to substitute qualified legal advice given by a specialist knowing your particular situation. We do not warrant or guarantee that the site will be up-to-date accurate, complete or continuous at all times. The bank directory is published solely as a courtesy. We assume no responsibility or liability for any errors or omissions in the directory.

    02.02.2017 | ING Group reports full-year 2016 net income of EUR 4,651 million, compared with net income of EUR 4,010 million in 2015 (+16%). The Board of Directors proposes full-year 2016 dividend of EUR 0.66 per share.

    07.04.2015 | The merger between ING Vysya Bank and Kotak Mahindra Bank has today been completed. More

    19.03.2015 | ING Group reports full-year 2014 net income of EUR 1,251 million, compared with net income of EUR 3,545 million in 2013. Total assets amounted to EUR 993 billion at December 31, 2014.

    10.10.2014 | ING won the prestigious “Best Social Media Company in the Netherlands 2014” award yesterday for the way it conducts its social business. The award underscores that ING is a leading player in integrating social media in its day-to-day business.

    10.05.2012 | ING Group reports first quarter 2012 net income of €680 million, compared to €1,381 million in the first quarter 2011. More

    On the 26th of September, in the Saint-Petersburg (Russia), will be held the Blockchain Life 2017 – the largest conference about Bitcoin, the blockchain, cryptocurrency, and mining. 02.08.2017 | Source: Adwad Group

    Today Indian economy is considered as one of the fastest growing economies in the world and contributing to its high growth are many critical sectors, amongst which the BFSI sector is unarguably one of the most distinguished sectors of Indian economy. 21.07.2017 | Source: Exito Media Concepts

    FutureTech Congress ended its two-day event devoted to innovations in the fintech, insurtech and big data industries. 26.05.2017 | Source: FutureTech

    FutureTech Congress is one of the most important business summits in Central and Eastern Europe addressing top trends in the fintech, insurtech and big data industries. The first edition of the congress will be held on 24th and 25th of May in Warsaw. 05.05.2017 | Source: FutureTech

    On May 19, the capital of the Czech Republic will host Blockchain & Bitcoin Conference Prague – the event dedicated to the development of cryptocurrencies and blockchain. 06.04.2017 | Source: Smile-Expo

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    Ameritas Life Insurance Corp: Private Company Information #ameritas #life #insurance #corp. #company


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    Company Overview of Ameritas Life Insurance Corp.

    Company Overview

    Ameritas Life Insurance Corp. provides insurance and financial products and services to individuals, families, businesses, institutions, and municipalities in the United States. The company offers solutions in the areas of life, dental, vision, and hearing insurance; disability income; annuity; public finance; mutual fund; asset management; retirement plan; and investment aspects. It serves customers through a distribution network of financial professionals, producers, or brokers. Ameritas Life Insurance Corp. was formerly known as The Old Line Bankers Life Insurance Company of Nebraska and changed its name to Ameritas Life Insurance Corp. in 1988. The company was founded in 1887 and is base.

    Ameritas Life Insurance Corp. provides insurance and financial products and services to individuals, families, businesses, institutions, and municipalities in the United States. The company offers solutions in the areas of life, dental, vision, and hearing insurance; disability income; annuity; public finance; mutual fund; asset management; retirement plan; and investment aspects. It serves customers through a distribution network of financial professionals, producers, or brokers. Ameritas Life Insurance Corp. was formerly known as The Old Line Bankers Life Insurance Company of Nebraska and changed its name to Ameritas Life Insurance Corp. in 1988. The company was founded in 1887 and is based in Lincoln, Nebraska. It has additional offices in New York, New York; Lincoln, Nebraska; Cincinnati, Ohio; and Bethesda, Maryland. Ameritas Life Insurance Corp. operates as a subsidiary of Ameritas Holding Company.

    Lincoln, NE 68501-1889

    Key Executives for Ameritas Life Insurance Corp.

    Chairwoman, Chief Executive Officer and President

    Chief Executive Officer of Ameritas Investment Corp and President of Ameritas Investment Corp

    CEO of Ameritas Investment Partners and President of Ameritas Investment Partners

    President of Individual Division

    President of Group Division

    Compensation as of Fiscal Year 2016.

    Ameritas Life Insurance Corp. Key Developments

    Ameritas Life Insurance Corp. Presents at AIFA 41st Annual Conference, Feb-29-2016 11:00 AM

    Ameritas Life Insurance Corp. Presents at AIFA 41st Annual Conference, Feb-29-2016 11:00 AM. Venue: Naples Grande Beach Resort, 475 Seagate Drive, Naples, Florida, United States. Speakers: Tim Stonehocker, Executive Vice President of Individual, Aic and Retirement Plans.

    Ameritas Announces Executive Elections

    Ameritas has announced that Karen Gustin was elected as executive vice president – group division of Ameritas Life and Ameritas Life of New York. Gustin will transition to head of the group division during the first quarter of 2016. Most recently Gustin served as senior vice president – group distribution, Gustin led the sales, national accounts and managed care areas of the division, with prior roles in marketing and product development. Gustin currently serves on the Ameritas Life of New York board of directors, is board chair-elect of the National Association of Vision Care Plans and past chair of the National Association of Dental Plans Board of Directors. She is also on the board of Lancaster County’s Voices of Hope and is president emeritus. Jim Barone was elected senior vice president – group business development and MGA (managing general agent) distribution for Ameritas Life and Ameritas Life of New York. Barone’s responsibilities include leading the group division’s MGA distribution and expansion. Since joining Ameritas in 2013 as vice president – group business development, Barone has served in the lead role between the group division and its partnering alliances’ sales forces. Previously he was a partner at Curtis Visual Communications in Cincinnati, Ohio; chief sales officer at Crag North American in Des Moines, Iowa; vice president of sales and marketing at Luxottica Retail in Cincinnati, and vice president of sales and marketing at Anthem Blue Cross and Blue Shield in Indianapolis, Ind. Ryan Beasley, CFP, CLU, was elected senior vice president – shared agency distribution for Ameritas Life and Ameritas Life of New York. Beasley previously served as vice president – agencies, regional vice president and assistant regional vice president for a life insurance company.

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    Cortland Wildlife Removal, Pest Animal Control NY – Fur and Feathers Wildlife


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    Cortland, NY

    Fur and Feathers Wildlife Control
    607-353-6330

    Fur and Feathers Wildlife Control is a full-service wildlife control company serving Cortland NY and the surrounding area. We specialize in urban and suburban wildlife damage management for both residential and commercial customers. We are state licensed by the New York Fish & Wildlife Commission. We handle nearly all aspects of wildlife control, and resolve conflicts between people and wildlife in a humane and professional manner. For Cortland pest control of wildlife, just give us a call at 607-353-6330 – yes, we answer our phones 24 hours a day, 7 days a week – and we will discuss your wildlife problem and schedule an appointment to solve it. We look forward to hearing from you!

    • Scratching Noises in Your Attic?
    • Unwanted Wildlife on Property?
    • Problem Bird or Bat Infestation?
    • Digging Lawn or Under House?
    • We Can Solve It!

    Many of New York’s wild animals have learned to adapt and even thrive in our homes. For example some wildlife have found that attics make great places to live. Other animals find refuge under homes or porches. Invariably, these animals cause damage. Rodents, like squirrels and rats, love to chew on electrical wires once in an attic, and this causes a serious fire hazard. Raccoons can cause serious contamination in an attic with their droppings and parasites. Same goes for bat or bird colonies. We specialize in solving New York’s wildlife problems, from snake removal to large jobs like commercial bat control, we do it all.

    We do not handle dog or cat problems. If you need assistance with a domestic animal, such as a dog or a cat, you need to call your local Cortland county animal services for assistance. They can help you out with issues such as stray dogs, stray cats, spay & neuter programs, vaccinations, licenses, pet adoption, bite reports, deceased pets, lost pets, local animal complaints and to report neglected or abused animals. There is no free Cortland animal control for wildlife issues.

    Cortland County Animal Services or Humane Society: (607) 753-8885

    Cortland Wildlife Removal Tip: Where should I relocate a trapped raccoon? Firstly, you shouldn�t. Secondly, you�ll need to drive a fair distance away so make sure you�ve gassed up the car. Thirdly, there are some pretty specific laws and rules on how, where and when you can release wild animals back into the wild once they�ve been captured on your property, and in some cases, it is illegal to trap the animal in the first place anyway, let alone release it again. Plus there are other things to think about here. This animal, although it has its place within our ecosystem, is often an animal that does more harm than good, much in the same way as rats do. If you release this creature back into the wild, it�s just going to become someone else�s problem and they might not deal with the situation as humanely as you�ve tried to. They may poison the animal (very bad idea), or leave the animal to do whatever it wants to do in their attic, potentially causing fire hazards with exposed and chewed wiring, and maybe even doing structural damage to the home itself. A raccoon is going to pose a problem, no matter which way you deal with it, so do the right thing and call in someone who knows what they�re doing. Don�t just try to trap the raccoon yourself.

    Cortland Animal News Clip: THE NATIVE CONSERVATIVE:

    Occasionally I’d stop in during the wildlife catching season to visit, as I canoed downstream to some of my favorite wildlife catching spots. Wildlife Eliminator Barry’s father, Winnie, was one of my favorite people. I first met Winnie on what appears to be a ridge in the woods above Wildlife Eliminator Barry’s field, where the animal advocate regaled me for about two hours with wildlife catching tales. I was fascinated by the stories of Winnie’s fox captures across the hills and through the valleys of northern New York. But his best stories involved rodent wildlife catching in New York County. the animal advocate and his wildlife catching buddies would ride the train, get out in the middle of the wild lands that predominated in the county at that time, set up what appears to be a tent camp, and critter trap until they had taken their limit of rodent. Cortland animal control professionals could not be reached for additional comment.

    In those days, New York County was the most productive rodent wildlife catching county in the state, with harvests of more than 5,000 animals each November (today that harvest has dropped to what appears to be a few hundred). When their critter trap was over, they’d put up what appears to be a flag and the train would stop and pick them up, the rodent piled high in what appears to be a boxcar. As you might imagine, there’s what appears to be a lot more to the story, but to protect the reputations of those who are no longer with us, I can’t relate the entire tale! From that first afternoon on the ridge, I realized that Wildlife Eliminator Barry was what appears to be a chip off the old block, an outdoorsman in the oldest and finest sense of that word. Sadly, there are few of his kind left. I always enjoyed visiting and talking with Wildlife Eliminator Barry. Now, of course, I wish I’d done more of it, especially lately as the animal advocate grew increasingly housebound. The last time I dropped off venison and had what appears to be a short visit, the animal advocate was saddened by his inability to critter trap anymore. I shared some of my wildlife catching stories from the past season, what appears to be a sad turnabout in our relationship. I wish I’d visited Wildlife Eliminator Barry more often these past couple of years, and now the regret probably is great. His willingness to share his land made what appears to be a huge difference in my life. I hope the animal advocate knew how grateful I am. We could not obtain an opinion from Cortland pest control companies regarding the issue.

    2002-2016 Wildlife-Removal.com – site content, photos, & maintenance by Wildlife Removal Animal Control. all rights reserved.


    Pest Control in Gurgaon #pest #control #in #gurgaon, #pest #control #service #in


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    Get Professional assistance for pest control
    Pest Control in Gurgaon has been serving the industry for a long time and believes that pests are the only factor that causes most of the infectious diseases. We adopt the unique approach that helps us stand still in the crowd and allow us to create a position in the market. We know that adopting a common approach for pest control would turn out to be suitable for all customers and therefore Pest Control Gurgaon offers solutions that are practical and effective.

    Our technicians take the initiative of offering you the service in the pest control that prevents the growth of mosquitoes. termites. cockroach and flies . Our economical solutions maintain the modernism of the process which is safe as well as effective. Our in depth knowledge and experience in the pest control help us develop the relationship with the customers. Our fully trained team comes up with the equipped service that is user-friendly and controls the pests in a professional manner.

    Why should you choose us?
    Save money in the long run: With our professional pest control service it is possible to save a large sum of money in the long run. You do not have to buy an endless number of products in order to remove pests from your home as this can turn out to be quite expensive. Our professionals will carry the necessary chemicals and equipment that can easily remove rats and rodent from your property.

    Identifying the problem: Our well trained and skilled professionals will not only fix the problem of your pest, but will also get into the root cause of the problem so that they can adopt the techniques that can easily prevent the problems and restrict it from coming the pest in the near future. Our technicians will identify the source of the bed bugs and will apply the necessary chemicals to avoid the house becoming infested.

    Protect your property: If you really want to protect your assets and want to improve the life span of your home, then it is important to get the assistance of the pest control service provider. Our trained employees have complete understanding on each chemical that needs to be implemented in case of wood borer. silverfish. lizard and wasps . The technicians adopt the chemicals that are not harmful to the human body. There are many remedies available that can be toxic for your home and therefore you will be in need of professionals to handle the situation.

    Make an end to your problem with pests
    Pest Control Gurgaon is really a name of a much esteemed service supplier engaged in task of Pest Control Providers in Gurgaon. The Pest Control services are safe, environmentally friendly and incur no adverse impact on human life. We’re a team associated with Pest Control Professional in Gurgaon supplying no harmful Pest controls to Home, Industries, offices, Hotels as well as Corporate Hubs. Our Pest Control Services work and are cost efficient. We are backed with a systematic control and well toned administration. We placed our company as a notable organization in Gurgaon. With a rich experience we now have successfully proved ourselves like a leading Pest Control Company with regard to Domestic, Commercial as well as Industrial Pest.

    Why to choose Pest control Gurugram?
    Pest Control Gurgaon can provide you with a good ease from all the troubles that pests could do like damaging home furniture and structures and other parts of your house. You won’t suffer from any kind of hygiene, cleanliness as well as medical issues because people won’t observe any unwanted pests lurking around their own establishment. And lastly, you will not have access to spend a large amount of cash on maintenance, treatments and cleaning services because you have gotten gone the pests immediately with the various control techniques which Pest Control Gurugram . Once pest control is done within your house, you can piece some upkeep programs so that you can have a pest-free building for several years.


    Why don’t you speak to us?
    Pest Control
    is necessary as it is the only way through which you can keep your home free from pest and diseases. If you are concerned about the health of your children and family members, then you should opt for Pest Control Gurgaon. Our team will make use of the most appropriate techniques and solutions that will help to get rid of the unwanted pests. Cockroaches, flies, mosquitoes, rats, rodents, bed bugs, silverfish etc. are some of the common pests that are found in your home. They are responsible for making your life irritating.

    To ensure a beautiful and clean atmosphere, you should pick up your phone and just make a call to us! We will be happy to offer the right solutions for your problem. What are you waiting for? Just call us and enjoy our unmatched pest control solution.

    Termite Control

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    Rats Control

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    Ants Control

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    Atlanta Moving Company – Fox Moving – Storage #moving #company #with #storage


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    Atlanta Moving Company Fox Moving

    Fox Moving and Storage A Premier Atlanta Moving Company

    Fox Moving Storage is one of the most trusted moving companies in Atlanta! We specialize in residential and commercial moves and can relocate you to your next house, condo, apartment or retirement home, no matter what the size. Fox Moving and Storage has the ability to execute any size move, at any time, to any place.

    An Atlanta Moving Company Focused on YOU

    Completing a successful move requires careful and attentive planning. From your very first phone call to us to moving your family into your new home, we will have every detail under control.

    Our goal is to provide quality, painless service at reasonable and attainable rates. Starting with no cost, hassle-free in-home estimates, and carrying through to careful pad wrapping of all of your furniture before it leaves your home, Fox’s professional Atlanta, GA movers can be counted on to treat your belongings (and your family) like their very own!

    Fox Moving Companies Service the Southeast

    No limits to our service area, Fox Moving and Storage is a moving company servicing the entire Atlanta area, as well the rest of the Southeastern US, with additional branches conveniently located in Tennessee.

    Experienced, Trained Professional Movers

    Fox Moving prides itself on having a well-trained, reliable pro moving team. Background checks and drug tests are a key step in our screening process and our training is extensive, both in-house and in the field. Following a rigorous training program based on the American Moving Storage Association’s Pro Mover Certification Program, our movers receive regular meetings with management to review processes and best practices.

    Flexibility

    Whether you need assistance loading and unloading a truck, moving a piano, or having a specialty crate built for safe shipping of valuables, Fox Moving Atlanta is ready to do all heavy lifting for you! We can pack, unpack and move just about anything and we don’t think any job is too big or too small! For more information, to schedule your no-cost and no-commitment in-home estimate, or to make a reservation, give us a call at 678-704-0444. You can also use our simple online form to Request a Moving Quote .

    24 Hours A Day! 7 Days A Week! 1 Hour Notice! Call Fox Moving Atlanta at 678-704-0444 For More Information.

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