How to become a businessman

The business measure requires skills lacking in most people as a result of lack of interest or ignorance of them, Fterahm believe that all the wealthy and the owner of the company is not necessarily a businessman, how many and abundant capital and many inherited men Daaoh for recklessness or adventure or ignorance or tampered with, and how much the company spent at its inception a lot of effort and money and does not have to do only the name and appearance of pseudo-Buraq, and soon crumble as quickly as it was created in, what are the real foundations should be available in one to be worthy of the title of a businessman?

Qualities of a successful businessman:

First, business acumen and agility and intelligence: the qualities of God's blessings on those who possess it, human beings not equal the level of their intelligence and acumen and speed Bdiathm.

Secondly, the universality and the wisdom of the measure: learning objective of the project, and the costs and expenses and risks and profits, building on the study of flexible and integrated feasibility, taking into account minimizing expenses and generally have much returns while at the same time, the quality of work.

Third: the power of patience and gags and endurance: The success of a businessman linked closely related to the amount of patience he has, and maintaining its composure in the darkest situations and the most accurate and the most dangerous, and the ability to withstand fatigue and mental effort and physical when it requires it.

Fourth: the businessman is necessary to possess honesty in dealing, respect for time and punctuality.

Fifth: The successful entrepreneur is also not postpone today's work to tomorrow.

Sixth: the power of focus and clarity of mind and strong memory: the power of memory and concentration rail qualities important for each businessman and must have it, and not Valtstt weak concentration and memory are preparing a disaster for the work placed on his shoulders.

Seventh: the availability of initial capital: the businessman can start from scratch self under his belt without the use of money in his career, so when an employee with the others, but when it is prescribed own work it is necessary and imperative that who has the money or the sources of fixed funding to finance the project, the the money is not available, and began his project with speculation and wishes, it will fall apart and his project in the bud before he was born.

A successful businessman who knows where eaten shoulder, knew this before where and how to get this shoulder.

Save money

The idea of ​​saving money and supplied monthly salary of a difficult task for many employees around the world, where we live in a consumer society seek to buy all the basic, secondary and supplied their needs on a regular basis, and is the most miserably at this level women; it will rarely find a woman hoarding money from their monthly income for the future, because in general women have shopping obsession and buying luxuries own deeds before sometimes the basics, and purchase overnight with the fun does not compare to any other recreational activity, nor shall notify the Bahin assemble money for times of distress.

On the other hand there are those who can assemble a permanent percentage of his salary on an ongoing basis without interruption regardless of the need to spend money, it is able to postpone the purchase of his belongings, and accustom himself to settling for less, the interest on the money, perhaps because he is planning larger than that for the project to buy a car, for example, the acquisition of a home , so we see a month focusing on the purchase of priorities without the other, and moving with great determination towards the bank to save what remains of his income for the days to come, and succeed in achieving its goals in record time.

Successful ways to save money

• Set yourself a list of dreams that seeks to achieve: because the goals are neatly on paper or in your imagination make the activity and diligence to make more money and store it for the purposes of achieving your dreams, and you will feel joy, determination and enthusiasm when you arrive for your dreams one by one owner who sought to stashed away earlier.
• Invest your money "monthly income": by running the money in the investment business ventures in order to achieve a much higher income than the original material profit, which makes you more able to save extra money, you can also buy bonds from banks to achieve fictional profits.
• Food-credit card "ATM": Because the continuation of working out encourages you more to buy more widgets that may be secondary in your life and therefore your expenses will increase significantly and will remain in debt indefinitely instead of being Mdechra.
• Daily outgoings systems on special paper with you: where you can do limit your expenses and assess yourself if you misspent or not, and this helps to control and identify redundant expenses.
• Adopted in your food at home cooking: as some people consume the majority of their income to buy ready-made food from restaurants meals and of course it costs a lot, there is no room for comparison between them and eating homemade record.
• SAVE your money in the bank on the deposit system and not on the current account; because the deposit force you to not spending your inability to withdraw money until the expiration of the period, while the current account you can withdraw more money by the time you want.

Small project

It is not difficult to start a small project with a small capital or even without capital, but do not need to be taking into account that the project might not succeed at first, or may not succeed at all; it is based on trial and error, so you should always take action list as you would I do, and the means by which the project would be carried out, expected in the best and worst case outcomes.

Here are some ideas for how to start a small project, and these ideas are not in need of a partner at the beginning of its implementation, and some of them may not need to file legal to begin with.

Ideas for small projects

• Car wash: You can start cars in your area, all you need is some equipment to clean the car inside and out, and you can exploit your home garage in the beginning, when it launched in the project tried to look for a suitable place, and tried to bought some tools and equipment allocated to clean cars and machinery, you can employ workers to help you later.
• Gillies Children: The children Gillies task may be an easy task and the opportunity to take advantage of your free time, especially in the evening and the days of your vacation, and therefore can take these additional profession as a profession to earn some extra money.
• Renting out a room in your apartment: If you have an extra room in your home can be exploited either rented to tourists coming to visit your country, or for students coming to study from a remote location, or employee.
• Blogging: If you Tzmta in writing and you have the talent to do that, you can start doing a blog on the Internet, and all you need is a computer and some time and effort, and you can exploit your blog to attract publishers commercials and advertisements to make money from them.
• Purchase, sale and re-sale on the site eBay: you will need here for some money to buy goods on this site, and earn money with some profit when reselling them at a higher price on this site, and tried to focus on the goods of high demand for rare and those, especially those pageable goods which amateur Kmjsmat loved celebrities in movies and other, rare Alostonat and so forth.
• And decorating Cake Bread: If you love making desserts, this project is very suitable for you, then you need some ingredients and bread and bakery equipment, kitchen your home, and it would be useful to provide delivery services, and you can start people I know and others, and then you can complete the Undertaker food for different occasions.
• Tailor clothes: You can use your skills in sewing and your knowledge of the world of the Internet to the detail and tailor distinctive clothing and single-piece, and sold on websites and attract people to you, and you can also rely on your friends and acquaintances in their knowledge and introduce you to their friends.

Country

Goods and services prices in the state of things of interest to people who want to travel, either for recreation and relaxation, or who are traveling in order to seek a livelihood or to seek knowledge, as prices are mainly from the foundation by which to distinguish between one country and another, and it should be noted that economic level in the state, is one of the basic criteria that determine the prices of goods and services in that state, so we will give in this article is the cheapest countries in the world.

The cheapest countries in the world

• Syria Syria is one of the cheapest countries in the world and relies heavily on agriculture to get their income, along with many cotton products industries, trade and tourism, but current circumstances have affected them significantly.
• Tunisia is located in the northern part of the continent of Africa, the advantage of the stunning beaches and mild climate beauty, spherocytosis to the magnificent natural manifestations, and cultural diversity, and its economy depends heavily on tourism and agriculture.
• Romania, called Romanian Republic capital Bucharest, located in the eastern side of the continent of Europe, which is one of the Balkan countries, because it is located on the north side of the Balkans, going through their lands Danube So agriculture is one of the important economic its resources, in addition to some industries, and is worth mentioning that Romania one of the members of NATO and the European Union.
• Philippines, Republic of the Philippines is located in the south-east of the Pacific Ocean, one of the archipelago of 7,107 islands, and occupies rank forty-eighth globally in terms of economic level, and the advantage of a tourist town with a natural diversity rich dramatically, as its gross domestic product is estimated at $ 161 billion in 2009 AD.
• Nepal mediates Nepal states of China and India, that is located near the Himalayas, it is also of landlocked countries is, they do not look down on any external Sea, mainly economy depends on agriculture, it also benefits from tourism in obtaining hard currency, and provide for tourists Sport climbing, and visit religious sites.
• Thailand, located in the south-east of the continent of Asia, specifically in the likeness of the Chinese island of India, and rely on their income mainly on tourism, it includes many of the islands characterized by their beauty, they also offer many natural treatments for tourists, and includes many of the religious and cultural diversity It is important to know that the economy is based on fishing and export, as well as agriculture.

E-Commerce

Draws the consumer in recent times to give up a little bit from the traditional shopping and waste of time to wander around in the markets, and the transition to electronic shopping, which began competing and speculate on the traditional markets, where getting the consumer to the product, which is in place without having to leave his job or his home, and a prelude to the spread of trade e been developing ways for secure payment, which is the consumer that he has already shopping on the ground, shall be paid price of the item using a credit card, both locally and internationally mother, to the mainland and the product quickly and easily, and is considered the cards of the most important e-commerce requirements (e- Commerce), which must consumer possess to be able to enjoy e-commerce.

It is noteworthy that credit cards are not only linked to e-commerce matters, but beyond that the closely linked to banking matters purely Also, as a means to facilitate the process of withdrawal of salary outside the official working hours of banks times, and at any time via the ATM.

credit cards

Credit Card, is a card or a piece of plastic rectangular, issued by the official or private, and be of particular use and conditions of the policy, and give her employer's safety during the shopping process, and are used for the purposes of payment, and put the issuer credit card minimum and the highest amount that must be deposited in card to make purchases, and more credit cards traded and widespread Visa card (Visa Card) and MasterCard (Master Card) and euros card, and each card be special and one person only afford the user number and name account, and the user gets in exchange for payment of issuance fees, and vary according to the exporting them.

Types of credit cards

• Credit Card (Credit Card): Issuer credit card customer's card is issued as a line revolving credit benefit of the cardholder, and is considered a loan to take advantage of them gives the consumer to buy whatever he needs, then use the payment later mechanism, and also allows the beneficiary of the recycling portion of the amount owed to any month, or the full amount, and imposes the issuer or credit union interest on customer tally based, and the most used cards of this type Discover, Visa Card, Master Card.
• Account Card (Charge Card): allows card account for the client the possibility of online shopping payment immediately, and repayment at a later time, do not allow recycling amount to any other month, and must pay the cardholder immediately the full amount when the purchase is complete and the issuance of the bill, it is not the imposition of any benefits to the client, and these cards American Express Green Card.
• Card City (Debit Card): the customer receives under this card to pay for purchases by drawing conducted by the bank on current accounts, ie turn the client to convert the value of the purchases to the seller directly through the use of this card, and pay through the requirement that the card City, the merchant receives the value of purchases on the same day, and completed the procurement process, and if this is the card outside the city line, the delivery process and convert the value of purchases to be within days.
• ATM card (Automated Teller Machines): symbolizes her Acronym (ATM), the client gets through this card to authorize the use of credit teller machines and networks related to these machines, which are related to other Bmassarv, it gives him the possibility of doing a number of typical or standard banking procedures Kalkiem process of transforming funds between accounts, deposit and withdraw cash, in addition to the payment of bills.
• Smart Card (Smart Card): did not receive this type of card the wide spread use, in spite of all the issued requirements are available, and consists of smart card from the thin piece, containing electromagnetic tape can be read electronically, and can be used in the units of ATM and other mechanisms, this is the amount that has been consumed and it coincides with the reduced line of credit discount.
• Prepaid Cards (Prepaid Card): This is a type of card from the most common types of primitive cards, and it has been developed by the smart card, and depends on the method of installing a certain amount gives the consumer authorization to access the card through that amount, and begins a gradual reduction of the value of the amount in card in conjunction with each process being used by the amount.
• Coalition card (Affinity Card): Also called membership card, a card that was developed especially to attract certain groups and the consolidation of belonging to associations or social organizations, and the aim of this type of card to encourage users to use and benefit from them, and lay the interest of the association or social organization which gives its members the use of this card a certain commission percentage determined by the issuer of the card from the income earned through use.
• A co-branded card (Co- Branded Card): Also called allowances or rewards card, and gets the user of this card remuneration for use of her, and the advantage of this type of card to give the customer a reduction in promotion costs in exchange for increasing the number of its users, are the promoters card promotional means by installing its name on the card.

The advantages of credit cards

• Facilitate the purchase over the Internet while maintaining privacy and security.
• Consumer exemption from carrying cash payments (Pay Cache).
• Easy to use and pregnancy characterized anywhere.
• Characterized by the global credit cards accepted.
• The possibility of retaining records of exchange.
• Enable the user to turn off the card if lost.
• Get the special advantages of discounts and rebate.

Learn about car insurance prices and finding the right coverage for you.

Car insurance rates are affected by many factors. Some are simply the day-to-day costs of repairing a vehicle or covering medical expenses. Others may be more within your control when selecting an insurance policy. You want the right amount of coverage at the best price, and it's important to understand the trade-offs between cost and coverage.

What Factors Will Affect My Auto Insurance Rates?

What auto insurance costs and how much coverage you get for your insurance dollar go hand in hand. When you purchase auto insurance, you are sharing the financial risk of owning and driving a car with your insurance company. The amount of coverage you select and the deductible amount you're willing to pay determine the amount of financial risk you will have, even though you've purchased insurance.

So for example, less coverage may be less expensive, but you will also have to pay more out of pocket when filing a claim. Having a low coverage limit can also put your personal assets at risk if a claim against you exceeds your coverage. Having more coverage might be more expensive, but it can also save you money when you have a claim or are found to be at fault in an accident involving others. Some other factors that affect your rates:

State - each state has their own insurance regulations that can affect costs.

Region - local average costs of repairing or replacing your particular vehicle or parts will affect your rate, as will medical costs, which vary by region also.

Personal information - the driving records and credit-based insurance scores of the drivers on your policy typically raise or lower the price of your insurance.

How Can I Control My Insurance Costs?

Choosing the auto policy coverages and deductibles that work best for you is one way to control your insurance costs. Another is considering an Umbrella Insurance policy, which can add protection against large claims. If you own significant assets, including a home and retirement accounts, these could be at risk if your auto insurance coverage limits are exceeded in a judgment against you.

What Are Some Other Ways I Can Help Lower My Car Insurance Costs?

Make sure that all drivers on your policy practice safe driving habits

Consider safety features and affordability of repairs when purchasing a vehicle

Maintain a strong credit score

The Bottom Line 

Your state has minimum auto insurance requirements, but the minimum coverage may not be enough to protect you from liability in the case of a serious accident. Ultimately, the cost of car insurance for your vehicles will be driven by the amount of coverage you need to protect all of your assets and what you can afford to pay as a deductible in case of a claim.

Liberty Mutual wants to help you understand car insurance costs and how you can best protect yourself and your family. Connect with us online, by phone or with your local agent and we'll help you get the right policy at a fair price.

Insurance Policies are About More Than Just Coverage

Your auto insurance policy includes more than just coverage for your vehicle. It may also include some added benefits (some that are standard, some you can add) that can help make your insurance experience as hassle-free as possible.

Accident Forgiveness

If you've been accident and violation-free for 5 years (no matter what insurance carrier you've been with), we won't raise your rates due to your first accident. If you qualify, you'll receive this benefit at no extra cost. Learn more about Accident Forgiveness.

Lifetime Repair Guarantee

If your car is in an accident covered under your policy, you can have it fixed at one of our approved repair shops and the repairs will be guaranteed for as long as you own your vehicle. Learn more about our Lifetime Repair Guarantee.

Auto Recall Notification Service

If a safety recall that affects your car is issued, we’ll let you know so you can take care of the problem as soon as possible. Log in to your Liberty Mutual account any time to see all the active safety recall notifications affecting your vehicle in the past six months. Learn more about Auto Recall Notifications.

24-Hour Roadside Assistance

If your vehicle ever breaks down, we won't leave you stranded. From a jump-start to a tow, our optional 24-Hour Roadside Assistance coverage will get you moving again - we'll even make the arrangements.1 Learn more about Roadside Assistance.

12-Month Rate Guarantee

Many auto insurance policies only last 6-months. This means that your rate can change after only half a year. At Liberty Mutual, our policies are for a full-year - guaranteeing your rate for an entire year.

Convenient Payment Options

Paying your bill should be quick and easy; whether over the phone, online or through our mobile app, there are a number of options at your disposal. Have your payments deducted automatically from your checking or savings account (Electronic Funds Transfer), pay by credit card, mail us a check – you decide.2

After-Hours Policy Services

Have a policy or billing question, or need to change your policy? You can call our customer service representatives for expert help with questions regarding your policy and billing after normal business hours and on weekends.

Call 1-888-398-8924, Mon.-Fri. 8 am-10 pm ET, Sat. 8 am-8 pm ET, Sun. 11 am-5 pm ET.

Manage Your Policy Online

Make or schedule a payment, switch to paperless delivery, update policy information, track claims status, view transaction history and more with our online services. Register for eService today to begin managing your auto, home and life insurance policies from your computer or mobile device. Learn more about how to manage your policy online.

Will auto insurance pay me if my car is stolen?

Whether auto insurance will pay you if your car is stolen depends upon your policy and the type of auto insurance you have. Most comprehensive coverage policies will cover you if your car is stolen.

These types of policies usually protect you and your car against problems not caused by collisions, such as theft, vandalism, and breakdowns. Be sure you know what your car insurance policy covers before something like this happens.

Need a new policy that includes comprehensive coverage? Compare free online auto insurance quotes by typing your zip code into the box below.

What if my car is stolen, will my insurance cover it?
The coverage you purchased from your insurance company determines whether you will be covered in the event of theft. If your car gets stolen, insurance companies won’t cover you if you only have liability coverage.

After you file a police report, call your insurance company and let them know that your car has been stolen. Your auto insurance provider will likely tell you to wait a certain number of days (determined by the individual insurance company). If the car isn’t found when that time has passed, you will be reimbursed at the current market value of your car. If the car is found, but damaged, you will be paid the repair costs, less any applicable deductible.

Will auto insurance pay me if items are stolen from my car, but my car is not stolen?
Unfortunately, your comprehensive auto insurance policy only covers items stolen from a car that are meant to be a permanent part of the car or that can’t function without the car. This would likely include items like a built-in, factory-installed navigation system or stereo, but not a dashboard-mounted GPS unit or iPod.

If you have homeowners or renters insurance, these policies should cover any personal items stolen out of your car, regardless of whether your car was parked in your driveway or in a parking lot. If the items are valuable, file a police report for the stolen items, and then call your insurance company. If the items cost less to replace than to the deductible on your insurance policy, then you should probably forget the claim and just replace them yourself.

When you call your insurance company, ask about your personal property coverage and the items that are not covered. Items excluded, or with limited coverage, include money, jewelry, furs, watches, and business property. Your home insurance will not help you with any damage to your vehicle, so you will have to call both your homeowners and your auto insurance companies if your car was damaged during the theft of the items inside.

Will insurance pay me if my car is stolen, but later found damaged?
Most car insurance companies have a set number of days that they’ll wait for a stolen car to be found before they pay on a claim. If yours is found before that time has expired, but is found damaged, you will need to decide whether it’s worth paying your deductible and having your insurance company pay for the damage or just to pay to fix the car out of your own pocket.

If your car is found badly damaged and the insurance company decides to write it off as “totaled”, they will cut you a check only for the market value of the car–not for how much you originally paid for it or necessarily how much a replacement car will cost. If your car is not found after the time is up, they will treat the auto insurance claim the same way. You will receive a payment for the value of the vehicle only.

What else does comprehensive insurance cover?
Although some state auto insurance laws only require drivers to carry a liability insurance policy on their car, it is a good idea to also have a comprehensive and a collision policy. A comprehensive insurance policy will protect your vehicle from losses and damage not caused by a collision. It also covers vehicles damaged by you, but not in an accident.

There are exceptions to every policy, but generally comprehensive coverage includes losses from fire, earthquake, explosions, falling or flying objects (like Will auto insurance pay me if my car is stolen?the neighbor’s son’s baseball), vandalism, theft, floods, riots, and breakage of glass, as well as damage to your car caused by hitting an animal.

In the event of auto theft, most comprehensive insurance policies will also help pay for a rental car. You are required to wait two days until the rental coverage kicks in, in case your car wasn’t actually stolen and you merely forgot that you lent it to a friend or family member. However, most rental companies will waive the 48-hour requirement. Check with your insurance company before you rent the car and find out the amount of time they’ll cover the rental for, as well as the maximum cost that they’ll cover per day.

It’s a good idea to be fully protected with as much auto insurance as you can afford. Find out the rates in your area using the look-up tool on this page. All you have to do is type in your zip code and we’ll deliver auto insurance quotes to you right away!

Helping you find the best coverage to fit your needs.

Not all car insurance is the same. Sure, there is a minimum level of coverage that all auto insurance companies offer – liability coverage for example - but there are also additional types of coverage that you can include on your policy to add an extra level of protection. Let's cut through the jargon and walk through some of the more popular coverage options.

Superior Protection 

Liberty Mutual goes above and beyond to make sure you're protected. From coverage like New Car Replacement, which is included on all car insurance policies, to Rental Car Reimbursement3, which you can choose to add to your policy whenever you'd like, we want to make sure you're confident in the coverage you choose.

New Car Replacement

It's said that a car starts depreciating the minute you drive off the lot. But with New Car Replacement, if your new car is totaled in the first year and within the first 15,000 miles, you'll get the money for a brand new car – not just the depreciated value.1 Learn more about New Car Replacement.

Better Car Replacement

Even if your car is no longer new, you can still treat it like it is. With this optional coverage, if your car is totaled we'll give you the money to replace it with a car that is one model year newer and has 15,000 fewer miles on it.2 Learn more about Better Car Replacement.

Rental Car Reimbursement

If you are ever in an accident, you can rely on our optional Rental Car Reimbursement to pay your rental costs for as long as it takes to fix your car, when you choose to have your car repaired at a Liberty Mutual-approved repair facility.3

Deductible Fund

This optional policy add-on can help lower your collision deductible and reduce the money you pay out-of-pocket in the event of a claim. When you add the Deductible Fund to your policy, Liberty Mutual will immediately put $100 into the fund to get it started.

Teachers Auto Insurance

If you're a teacher, you can get additional coverage to protect your vehicle and any teaching tools inside the car whether they're personally owned or were bought by your school – as long as they're in the car for school-related business.1 Learn more about Teachers Auto Insurance.

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Single articulation of caution, you must affirm you enter right data when adjusting an online application for crash insurance. Any false data or oversights on your part could unfavorably affect the online automobile insurance alludes to.

Ideally this data incites you that shopping online for most of your insurance needs to join sway affirmation is protected, fundamental and astoundingly steady. Best of all the probability to spare a couple of dollars on your insurance technique is an affirmed credibility.

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