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Getting Mortgage Protection Insurance for Your Investment Loans

No matter how you look at it, a home loan is a serious and scary investment. It involves a lot of thinking, time and most especially money. Having said that, it would be logical for anyone to do everything in their power to make sure that they don’t screw their opportunity to find the best mortgage products in the market. Still, there are some unavoidable circumstances that could hamper our efforts to secure our mortgage as well as our financial circumstance. A sudden illness or accident can lead to problems when it comes to making ends meet. So how can we protect ourselves from the possible financial disasters that could stem from such instances?

The answer is mortgage protection insurance. Because our investment loans and other financial assets require security, it is advisable to purchase coverage. Typically, mortgage protection insurance is offered to home owners once the home loan application is secured. The purpose of mortgage protection insurance is to protect the home owner from financial loss. There are lenders who actually make this a requirement

The process is simple. You will be asked to pay a monthly premium for the coverage. Let’s say for example that you succumb to an illness and die, the insurance company will pay your death benefits. So if you notice, mortgage protection insurance is a little more like a life insurance. However, you must be aware of the different policies implemented by your insurance provider.

As time passed, mortgage protection insurance saw some changes to it. Mortgage insurance providers in the past simply had to pay the remaining balance of the mortgage. But today, there are some mortgage insurance companies that provide coverage for the full amount of the loan. What this means for the family is that they will be paid the full amount of the mortgage regardless of how much have already been paid to the lender. If your mortgage amount is $500,000 and you’ve managed to pay up to 60% of the loan, you’d still be able to receive $500,000 from your insurance coverage. The insurance provider will give the money to the deceased’s family without imposing any condition.

The death benefits will be very useful to surviving family, which would have been seriously hit financially. Not only do they get to pay the remaining balance of their mortgage and secure their home, they also get additional money which can be used for other purposes like sending children to school, starting a business, or renovating the house.

Mortgage protection insurance is one of the best ways to ensure that your investment loans will not be put to waste. Not only does it protect your property against possible foreclosure, it will also safeguard the financial future of your family.

3 Tips to Getting the Best Investment Property Loan Ever

Getting investment property loans isn’t actually like getting a regular mortgage. It involves more procedures in the process as well as additional money. For those of you who don’t know what an investment property is, it’s a property that you use for the sole reason of investing and not for yourself as a residence. These properties are purchased by investors to make a gain which basically comes from renting them. For many of you who still underestimate the power of investment properties, it might seem that paying the loan needs years and years of renting. However, with the right planning and actions, your return on investment will be much rewarding than many other business ventures. If you’re seriously considering getting an investment property loan, here are 3 tips to help you smoothen up the process:

1- The better your credit history is, the faster you’re going to get your loan:

The first thing lenders look at when reviewing your application for approval is probably your credit history. They need to make sure that their investment is safe before they can approve your loan. If you’re considering getting a loan and you happen to have a bad credit score, you might want to work on that first, and then apply once it’s on the right path again.

2- Investigate:

Many people think that all lenders offer the same options, so there is no need actually to bother checking with many. However, I can tell you that if you don’t make the proper research, you could end up struggling with your bad lender for the rest of your loan period agreement. Different lenders offer different options from interest rates, down payments, loan value and payment time, so you need to make sure that all their terms meet your requirements. Once you’re with a lender which you’re comfortable with all their terms, you can then search for the right property for you.

3- Forget about the “do it yourself” concept:

Most investors that get their first loan aren’t actually experts in the real estate business. While the vast majority hire experts to do the job that requires expertise, some of them prefer to play solo by not investing any money into the process of getting a good home. There are some stubborn people who read some articles and then try to do inspections themselves, but most of them will eventually end up with a seriously damaged property which no one wants to rent or buy. If you want to get the best out of your loan, you need to invest some money into good agents who will make sure that you get the best property that your loan can buy.

Are You an Internet Marketing Genius?

Not many people are, so it shouldn’t be an embarrassment saying that you are not.

Internet marketing can be hard and even confusing. At least, it seems to be for the novice who just wants to get as many people as possible to see their website.

So what about internet marketing do most people find difficult?

  • Understanding how it has changed in the last decade. Traditional marketing used to be a relatively simple process. Maybe some mailers to people around town, a small space in the local Yellow pages, maybe even a spot on local radio. All of that has changed with the internet boom. Now you can market globally… if you understand how. Sure, it can make your business visible to a much larger audience, but how?
  • Making the best to use your time. Most small business people wear multiple hats. As a comparison, internet marketing is the cheap baseball cap compared to the expensive fedora of trying to manage the business. Internet marketing seems to take up way too much time for the tangible/measurable benefits it brings.
  • Spending the money. Marketing is just one of many costs, but because modern internet marketing is completed on so many fronts, it is difficult to know where the money is going. Keeping track of most expenses is easy because you have a direct relationship. But, marketing costs seem so ethereal.
  • Determining what is effective. In traditional marketing, you can do studies to determine exactly (or at least close to exactly) how effective your marketing dollars were. There was more of a direct link between marketing and sales. Now it is seems like it is very difficult to tell.

What is the answer to this dilemma? You know you have to market in order to be seen by as many people as possible.

So to get the most out of your marketing dollar, you can take one of two actions. Let’s look at them.

#1. Learn How to do Internet Marketing Yourself (effectively)

Computers are as necessary to business these days as buggy whips were at one time. Of course, the buggy whip manufacturers either adapted or they went the way of large wooden sailing ships. It is possible to find some of each in museums these days, but they aren’t in use anymore.

If you are hoping that the same happens to computers and the internet, you are probably also betting your business on a coin at the wishing well. Neither are a good bet.

So, computers are here to stay and you need to learn how to market using one. You know your business won’t grow itself, but learning a new task when your time is already precious is not efficient. But, internet marketing is necessary.

You could take one of the online courses, spend time just reading as much information as possible, or you could take the second alternative (at this point I am going to say that it is the better of the two).

#2. Outsource Your Internet Marketing

You have just reached a milestone and you want to show your employees how much you appreciate them. A party sounds like a good idea, something that they will remember for a long time. Something that will motivate them when they are doing their jobs tomorrow. What do you do?

Well, if you’re smart, you let an expert take over. You know what you’re good at and it isn’t planning parties (unless you’re an event planner or caterer, then think of a different example). You call the local Chucky Cheese (or other favorite venue) and let them do the planning.

Looking at this example, why would you then believe that you can be an effective internet marketer when it’s not your specialty?

Some would have you believe that internet marketing is as simple as putting up a Facebook page, sending out a few Tweets and writing something in your websites blog every two or three weeks. If that was true, why aren’t the orders flowing in?

Effective internet marketing is complex. You need to understand how to reach people using modern technologies and you need to understand the possible benefits of many different resources.

Why would you try to tackle such a complex system without some type of help? It would be insane.

Outsourcing works for companies in need of a service that is better done by someone else. For example, many small businesses turn to someone else for such services as human resources, payroll, web design and, yes, internet marketing. Because these are all specialized services, small business owners understand that they actually save money while outsourcing some aspects of their business.

Time is just too valuable!

You can find a company that specializes in internet marketing which could include handling your social media marketing, promoting your blog, etc. These companies have years of experience, keep up with changes that are always occurring in internet marketing and use proven marketing strategies to help their clients succeed.

In addition, just think of that extra time you would have on your hands if you didn’t have to do these tasks yourself and could concentrate on other important areas in your small business. Yes, it costs money to hire someone to handle your internet marketing, but remember… Time = Money.

Outsourcing may seem like something that large businesses can afford to do, but they have the money to have in-house departments. It pays for a small business to think creatively when they cannot afford to provide internet marketing services for themselves.

The original question was “Are you an internet marketing genius?” If not, then outsourcing your internet marketing chores may be the best way to go!

Biological Drugs Market – Highest Growth in North America 2020

As new breakthroughs are made in the biomedicine sector, growth is also anticipated in the biological drugs market. According to U.S.-based market research firm Persistence Market Research, this market will report a 10% CAGR from 2014 through 2020, and will be worth USD 287.13 billion by 2020.

Segments within the global market

The global biological drugs market can be broadly classified as: vaccines, therapeutic protein, and mAb. The segment of therapeutic proteins can be split into: Avonex, Enbrel, Neulasta, Lantus, NovoLog, Humalog, Aranesp, Rebif, Levemir, Epogen, Victoza, Neupogen, Betaseron, and Eylea. Similarly, the mAb segment can be divided into: Remicade, Humira, Rituxan, Herceptin, Avastin, and Lucentis. And, the segment for vaccines can be sub-segmented as: Cervarix, Gardasil, Varivax, Prevnar 13, and Fluzone.

Global market by geography

The market for biological drugs can be classified and studied on the basis of geographical regions. Thus, the market can be split into: North America, Europe, Asia Pacific, and Rest of the World. By market share, North America emerges as the dominant region. It is followed by Europe and Asia.

In North America, the global market is fuelled by the growing use of such drugs for treating chronic diseases as well as diabetes and cancer. A case in point would be the American College of Rheumatology’s recommendation of disease modifying antirheumatic drugs as well as biologic agents in treating rheumatoid arthritis in 2012. The American College of Rheumatology is an organization dedicated to advancing treatment options for rheumatic conditions via education and research.

In other markets such as Europe, the growth of the market can be ascribed to a spike in the geriatric population. A report by the United Nations states that as of 2000, the elderly comprised 23.2% of the total population of Germany. This percentage could well scale to 33.2% by 2025. Glaucoma and macular degeneration are age-related disorders that create opportunities for the development of treatment options such as drugs.

Where are the investment dollars flowing?

A healthy portion of the total investments by biological drug makers is now being seen in Asian countries. The low manufacturing costs that prevail here, combined with growing transfer of pharmaceutical know-how from the West to the East, will support the growth of the market here. A recent example would be that of Swiss biotech company, Lonza, which invested a reported USD 350 million in two Asian locations – Singapore and India – to advance biological drug-related activities.

Growth drivers and restraints in the market

To a great degree, the worldwide market will also benefit from favorable government policies, leading to potentially higher investments. Within this market, two key emerging trends are that of Genetically Modified Organisms (GMOs) and anti-Vascular Endothelial Growth Factor (VEGF).

On the restraints front, the biggest challenge for companies will be the high costs associated with developing biological drugs. This challenge could be compounded by the impending patent expiry of certain blockbuster drugs. Besides these impediments, there has been some speculation about adverse effects of injectable drugs.

Leading participants in the market are: GlaxoSmithKline plc., Pfizer Inc., Novartis AG, Abbott Laboratories, Bristol-Myers Squibb Company, Eli Lilly and Company, Merck & Co., Inc., and others.

The 3 P’s of Facebook Marketing: How to Market With Facebook

Facebook is greatly loved by modern businesses that have discovered its dynamic potentials in drawing huge traffic to their business sites to boost sales and profits.

This popular social media networking site enjoys millions of followers and users.

Hence, it is not surprising to have businesses drooling over Facebook for advertising to promote their wares freely. The three Ps of Facebook marketing can direct the success of an online business cost effectively; they are Posting, Promotion and Paid advertising.

Facebook advertising

There is a myriad of advertising options with Facebook. It is easy to set up a personal profile page for free and post or promote any item on its platform. Some promotion approaches may need a payment while posting is free. Free Facebook advertising is executed through a personal page profile with the posting of product or service information. Followers can be secured by the business if consumers like the postings and participate in various exciting offerings rendered by the business. This includes online contests, freebies and promotional discounts.

Securing many ‘Likes’ on a Facebook page is a great form of advertising on this platform and the Internet. Top search engines take a keener interest on pages that garner a high number of ‘Likes’. A higher number of ‘Likes’ spreads the popularity of the Facebook business/page quickly and further to gain a stronger market presence and popularity in the industry. It also builds up a list of potential leads to support the business.

Facebook advertising is about promoting the business through interesting and exciting posts. A post can be an online contest, free information that is relevant and useful to the followers or a giveaway that would thrill recipients. Facebook offers a promo feature that offers a wide arrange of costs to promote the business in various forms. The promo costs range between $5 and $20 for one day of promotion depending on the number of fans a page has now and later. The advertising posting appears in all fans’ news feeds positioned at the top for clearer visibility. Every business event or sales promotion can be effectively promoted this way.

Paid advertisements are another potential form of reaching the masses if there is a healthy budget. An attractive image with a catchy headline to target the right audience can be posted to their Facebook news feed section. The advertising campaign runs as long as the budget is not exhausted.

The wise business owner or marketer would attempt to synergize the 3P’s of Facebook marketing for a cohesive and cost-effective marketing campaign that would boost the business branding, market presence and bottom line.

Great gains can be secured with the 3P’s of Facebook marketing. Accurate statistics can be collated through Facebook posting, promoting and paid advertising. A special Facebook feature known as Insights can be accessed if the Facebook business/page can achieve at least 30 fans or ‘Likes’. Facebook Insights offer statistics on Likes and Unlike with analysis of each posting. This is helpful in determining the preferences of the Facebook audience to plan better marketing strategies or campaigns.

Powerful Facebook marketing strategies

The 3P’s of Facebook marketing can be successful with powerful marketing strategies on Facebook; one of which is to add only targeted audience that boosts the value of the business. It is crucial to connect with targeted audiences who are potential leads to the business instead of adding any Tom, Dick and Harry on Facebook.

Besides that, potential business partners or similarly minded marketers would be good inclusions to promote and expand the business with further business insights and potential leads. Long term business relations can be established with mutual benefits.

Another powerful strategy in Facebook marketing is to build strong relationships with personal contacts as this is the primary objective of Facebook. It is necessary to stay connected with friends and families who are the strongest supporters and customers for any online entrepreneur business. They can make recommendations of the business to their own circle of influence to propel the growth of the online business.

A daily contact would be ideal to stay in touch with the latest updates on personal and business issues.

This would be a great moment to learn more about their likes and dislikes which can be inspirational to the building up of the business. Such dedicated actions convey a deep commitment and active interest in their lives to gain their trust and favor which are great elements in boosting the online business venture.

The third powerful marketing strategy on Facebook is to build a highly potential leads listing with a commitment marketing update on a daily basis if possible. Friends and families can also be categorized into different parties for marketing to them the business offerings as there would be certain products and services which can be useful for these personal contacts. This strategic approach is normally adopted on potential leads and customers of the business, but it can also be adapted to friends and families on Facebook as they are also potential leads to the business with one strong feature; they are most likely to support the business. Hence, it is easy to convince these personal contacts to be the most loyal customers of the business.


Facebook marketing is very dynamic with a proper focus on the 3P’s of posting, promotion and paid advertising. High quality posts must be frequent or consistent to keep followers interested and coming back for more with a high possibility of forwarding or sharing such useful information to their own circles of contacts. This would promote the business for free with a higher credibility.

It is possible to exercise a daily posting with professional services in the market for a fee. These professional writers are skilled to produce high quality interesting posts that are bound to attract more traffic to the site. A posting can include pictures, videos and audio elements to make it more interesting and captivating.

Facebook postings can be promoted in a host of ways through online contests and freebies to draw more readers and visitors.