Category: Financial Planning

By Steve Patzkowski

If you are involved with a non-profit organization, you know all too well the second most important thing you do is raise money. The reality is you cannot do what you do without money.

There are over 1.5 million non-profits in the United States, with new organizations being formed every day. There is a finite number of dollars that will be donated every year to the non-profit sector, each of those 1.5 million organizations is out there positioning themselves and marketing for their slice of that pie. Sounds like a tough gig, but what if there was another pie that nobody was looking at, wouldn’t it be easier to go get a slice of that pie without all the competition?

It turns out there is another donation pie out there, it was created by Fees To Funds. The Fees To Funds program http://FeesToFunds.com was developed to help non-profits raise money in a very unique way – thorough merchant account credit card processing. Most non-profits these days have a merchant account so they can accept credit card payments for donations. When a non-profit (or for profit business) accepts credit cards for payments, they pay fees for the acceptance services to Visa and Master Card, and the processing companies that manage these merchant accounts. When non-profits sign up with the Fees To Funds program, they still pay those fees, but Fees To Funds offers them a lower rate structure – so they save money on those fees – then they donate 25% of their gross revenue from those fees right back to the non-profit. Sounds great, but it gets even better…

Every non-profit out there has a supported base, quite often, many of the supporters for a given non-profit are business owners. What Fees To Funds provides is an opportunity for the non-profit to partner with them in a fundraising campaign to introduce the Fees To Funds program to their business owner supporters; they offer the business owners the same deal, Fees To Funds lowers their merchant account fees so they save money and then donates 25% of their gross revenue from all of the business owners merchant account fees back to the non-profit. The program allows the business owner to increase their charitable giving without spending a penny. It creates a brand new, monthly residual income stream for the non-profit at no load to the business owners; in fact, they actually save money in the process.

The business owner saves money on a necessary expense and increases their financial support to their favorite non-profit at the same time, and, the non-profit gets a brand new residual income stream – everybody wins.

Advantages of the Fees To Funds Program:

— Converts a portion of an existing expense into donation revenue

— No ongoing fundraising activities

— Creates a passive residual income stream for the non-profit that continues for years

— Simple and painless to implement

An extra bonus to the funds raised through the Fees To Funds program is that these funds are unrestricted – the best kind of money a non-profit can receive. Many of the grants and donations non-profits receive are restricted to very specific projects or uses, in contrast, the funds generated by Fees To Funds go into the non-profits general fund and can be used for any purpose.

This is free money out there just waiting to be collected every month, what non-profit would like that? If you are a non-profit, or a business owner passionate about supporting a non-profit, you should check out the Fees To Funds credit card processing donation program.

Steve Patzkowski

CEO

Fees To Funds

www.FeesToFunds.com

About the Author:

Fees To Funds ~ Turning Credit Card Processing Fees into Cash Donations for Non Profits. The Fees To Funds program directly supports a wide variety of non-profit and charitable organizations by returning a portion of the credit card processing fees paid by the non-profit organization and their merchant supporters back to them in the form of cash contributions on a monthly ongoing basis.

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By Dr. Jay B Stockman O.D.

Congratulations, you have just purchased the car of your dreams; you worked a great deal, now it is time to insure it. Car insurance is mandatory in all states, and must be maintained throughout ownership. Insurance quotes can vary from company to company, and there are a few factors that you can control, and other factors you cannot. A full understanding of how insurance quotes are arrived at, will give you the best rate, and maximum coverage.

Factors that cannot be controlled include the age of the driver. Common sense tells us that a new driver would be more of a risk to an insurance company, than an established driver. Therefore a driver in their early 20’s would pay a higher premium than a driver in their 40’s. Further, elderly drivers have poor reaction time, and similarly would pay more of a premium. The ideal driving age would be between 35 to 55 years; anyone younger, or older would pay more.

Gender is another uncontrolled factor that insurance quotes are based on. Statistically, insurance companies see females as safer drivers than males. As a result, female drivers pay less than their male counterparts.

There are factors, which we can control, namely the amount of traffic tickets and accidents. A ticket is a violation of law that could potentially result in an accident. Insurance companies frown on this, and will penalize the driver with higher rates. Similarly, accidents could indicate a pattern of behavior; as such the driver is penalized with higher rates.

Where you live is another controlling factor that effects insurance quotes. Living in a rural area, puts the driver at much less risk of accident or theft as compared to living in a city. As a result, city drivers will pay a larger premium than rural drivers with very few exceptions.

Want to drive a Porsche 911 Carrera? It will cost you. The more your car is worth, the higher your insurance quote will be. The logic should be obvious.

Car insurance companies are now looking at your credit worthiness. Do you have excessive, outstanding credit, or no credit at all? If so, you are a risk in the eyes of the insurance companies, and will get socked with higher insurance quotes. Keeping your credit in check will show the insurance companies you are responsible, both financially, and on the road. As a result, you will pay lower premiums.

Your occupation can put you at a higher risk. Jobs that require many hours of driving, or driving in hazardous conditions, or places will put your quote at a higher rate. Less driving, and exposure to high-risk opportunities, will result in lower premiums. Additionally you want to keep your annual mileage down to a minimum. The more miles you drive, the greater the risk of accident.

Vehicle theft is a risk factor that can easily be minimized. Most companies will give you a discount for having better security for your vehicle. An alarm, or another approved anti-theft device will usually result in some discount. Some companies may insist on having such devices installed on more expensive and desirable cars before they even consider offering you a price.

Some companies look favorably on drivers who have taken a defensive driver’s course. They see this as a commitment to safer driving, thereby lowering the risk of accident, resulting in lower premiums.

Keep in mind these are just general guidelines, and the difference in price between various companies can be significant. What one company may consider a high-risk factor another company may not view as so important. The bottom line, keep your credit in check, be careful on the road and choose a car that fits your budgets.

About the Author: Jay B Stockman is a contributing editor for Car Insurance Quotes Resource Visit

car-insurance-usa.com/

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By Jordan FeRoss

Health insurance in the state of Texas uses two types of health care coverage for policyholders. One is called indemnity coverage and the other one is called managed care. These health insurance coverage plans are used by employers. It is up to them as to which health care plan they will use.

With indemnity coverage, you have more of a choice in health care services. The other side of your health insurance in Texas is that you will pay more. It’s always been said that you have to pay for convenience. Since indemnity coverage is convenient, you will have to pay the price.

With managed care, this health insurance in Texas has restrictions, but you don’t have to pay as much for it as you would the indemnity coverage. It is up to the employer as to what they will offer their employees. If the employees decide on the costlier health insurance coverage, they have fork out the difference from the total amount.

Health insurance companies in Texas are responsible for providing the indemnity coverage. This health insurance coverage is used for doctor visits and hospital services. The policyholder has to make sure that the services are needed and that they are in line with policy rules.

On the other side of health insurance in Texas, more people are going to managed care because of the costs associated with indemnity coverage. This health insurance coverage does cost less than indemnity coverage and will cover some of the same medical services. Managed care costs less because they are able to work directly with doctors and medical facilities to offer services to policyholders at rates that have been hammered out between them. People are now starting to prefer the lower cost over the limited options, as rising costs have become a concern for many.

Health insurance companies or HMOs (Health Maintenance Organizations) are responsible for providing this kind of coverage. In fact, strict managed care coverage can only be provided by HMOs. This means that people that have this coverage are only allowed to get medical services from medical providers that are part of the HMO network. The only exceptions to this are unique medical situations and medical emergencies if you are not in an area where the network is located. In some cases, you would have to pay more outside of the network, but it can depend on the situation at hand. Among the health insurance companies in Texas, you will find some that offer managed care coverage.

If you do select an HMO as health insurance in Texas, you will have to choose a primary care doctor in order as part of the insurance coverage. The doctor that you choose will be responsible for your primary medical care. There are not many costs with an HMO because they only allow people to have the necessary medical services that are available within the coverage. There may be some things that may be complicated to you as far as the coverage policies are concerned. You’ll want to look through your guide or consult customer service that handles your health insurance policy.

About the Author: This article about Texas Health Insurance is brought to you by Texas Health and Jordan FeRoss. You need to check out their website: Health Insurance in Texas for really good health care advice!

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By Ryan Pauline

When your own car is out of commision and you will have to drive another car temporarily, you would still want to be protected from unforseen circumstances resulting from your use of such vehicle albeit on a temporary basis. Luckily for you, there are car insurance companies that offer short term auto insurance coverages. A temporary car insurance coverage or a short term auto insurance coverage gives you the same kind of coverage that your own car insurance policy provides but only for a specific number of days for which you will be using another car. Such a short term insurance coverage also works well when a temporary driver will be operating your car for a few days. Instead of naming the temporary driver in your existing car insurance policy, you can take out a short term policy so that the temporary drivers specifics do not get into your car insurance policy permanently and do not affect your car insurance premium rating.

A short term car insurance policy could either be a comprehensive coverage or a third party liability coverage. These are the same kinds of coverage that you would most likely have on your existing auto insurance coverage. Comprehensive coverages, while they do not necessarily cover all contingencies, indemnify the insured for more coverage items than a third party liability coverage. It covers not only accidental injury and property damage to a third party but also those damages on yourself or a temporary driver who is named insured and on the insured vehicle. A comprehensive auto insurance coverage would cover other perils as collision, theft, vandalism, extreme weather, and fire among others. Even those expenses for own damages that are not caused by the insured temporary driver himself are covered under a comprehensive policy. Third party liability is only limited in coverage to include only those damages that are caused by the temporary driver to another person or property.

You can get your short term auto insurance quotes from various insurance companies. There are websites that you can vistit to get more information about short term coverages. You can also check out comparative quote services offered by a number of websites in order to make car insurance shopping more convenient for most people. These comparative quotes will usually get to you through your email account. You will have the chance to properly evaluate these comparative quotes using your own parameters. As these comparative quotes are issued based on the specifications that you only enter in these comparative quote websites only once. The same specifics and information are used by the insurance companies offering short term car insurance coverages. This would make it easier for you to evaluate the quotes as you will be able to compare these quotes apples to apples.

Do not make the mistake of taking the lack of auto insurance policy for granted simply because your driving circumstances are only temporary. There is no guarantee that no accidents will happen during this temporary change in your driving arrangements. You would not want to be caught unprepared when something happens during this period. The amount of money you will spend for your short term car insurance coverage is well worth the peace of mind that comes with knowing that your are fully covered.

About the Author: Looking for the

cheapest car insurance

possible? Visit

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to find the best deals today!

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