Auto Dealerships For Sale, Auto Dealership Broker – Gordon Page and Associates automobile dealership brokerage (buy sell planning of dealerships assisted) and consulting firm offering listings of auto dealerships for sale and providing intermediary services for car dealerships and franchises. #which #car #reviews


#auto dealership
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Welcome to Gordon Page Associates, Inc.

Serving the auto industry since 1958, Gordon Page Associates, Inc. is North America’s oldest, largest and most successful auto dealership broker (automobile dealership business brokerage). Our company specializes in assisting automobile dealers and automotive groups with mergers and acquisitions, valuations, divestures and the sale of dealerships. Our mission is to provide knowledgeable, effective and efficient service to each client, whether a seller or a buyer, in a professional manner. It is our promise to operate in an extremely confidential manner and to work with only qualified, approvable buyers.

We are national auto dealership business brokers, who buy and sell car dealerships.

Within the Dealerships For Sale section of our website you will find complete listings of auto dealerships for sale, auto franchises for sale and motorcycle dealerships for sale. Are you interested in owning a car dealership? We update our listings of car dealerships for sale regularly. Our inventory of car dealerships for sale changes daily.

Currently, we may have car dealerships for sale in Canada, the Caribbean, Alabama (AL), Alaska (AK), Arizona (AZ), Arkansas (AR), California (CA), Colorado (CO), Connecticut (CT), Delaware (DE), District of Columbia (DC), Florida (FL), Georgia (GA), Hawaii (HI), Idaho (ID), Illinois (IL), Indiana (IN), Iowa (IA), Kansas (KS), Kentucky (KY), Louisiana (LA), Maine (ME), Maryland (MD), Massachusetts (MA), Michigan (MI), Minnesota (MN), Mississippi (MS), Missouri (MO), Montana (MT), Nebraska (NE), Nevada (NV), New Hampshire (NH), New Jersey (NJ), New Mexico (NM), New York (NY), North Carolina (NC), North Dakota (ND), Ohio (OH), Oklahoma (OK), Oregon (OR), Pennsylvania (PA), Rhode Island (RI), South Carolina (SC), South Dakota (SD), Tennessee (TN), Texas (TX), Utah (UT), Vermont (VT), Virginia (VA), Washington (WA), West Virginia (WV), Wisconsin (WI) and/or Wyoming (WY).

Our listings of car dealerships for sale may include auto dealership franchise for sale or car dealership franchises for sale for Acura, Audi, Buick, BMW, Cadillac, Chevrolet, Chrysler, Daewoo, Dodge, Ford, Honda, Hyundai, Infiniti, Isuzu, Jaguar, Jeep, Kia, Land Rover, Lexus, Lincoln Mercury, Mazda, Mercedes Benz, Mitsubishi, Nissan, Oldsmobile, Pontiac, Porsche, Saab, Saturn, Subaru, Suzuki, Toyota, Volkswagen (VW), Volvo.

For our latest listings of car dealerships for sale, please call 1-813-854-4022. If you are interested in the purchase of an auto dealership for sale, auto franchise for sale or motorcycle dealership for sale, please register with us in the Buyer’s Sign-up section of our website. If you are interested in selling an auto dealership, auto franchise or motorcycle dealership, please register with us in the Seller’s Sign-up section of our website. Again, all inquiries regarding owning a car dealership, buying a car dealership or selling a car dealership remain strictly confidential.


NetSuite OpenAir #professional #services #automation, #psa, #service #resource #planning, #srp, #revenue #recognition, #project #management, #resource #management, #knowledge #management, #project #accounting, #practice #management, #service #process #optimization, #spo, #pso, #esa, #time #sheet, #time #sheets, #timesheet, #timesheets, #time #tracking, #invoicing #software, #expense #tracking, #invoice


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Learn how to manage your services business better with cloud-based Professional Services Automation from NetSuite OpenAir

Learn how to manage your services business better with cloud-based Professional Services Automation from NetSuite OpenAir

The Only Single Platform to Run your Services Organization

Companies from 15 to fifteen thousand use OpenAir to drive their services teams’ utilization, profitability and success. With the most complete solution in the market, our customers trust that we can meet their unique needs today and provide a platform for growth into the future. The common thread across our thousands of customers is that they all use the same version and same code base. What makes each of them unique is the near-limitless configurability options natively available in OpenAir. You won’t have to run on costly custom code or cobble together odds and ends from apps in an attempt to solve your business challenges only to discover that you’re now locked in and can no longer upgrade and grow. Explore the rich capabilities in OpenAir and see why the most strategic and successful services teams rely on OpenAir every single day to run their businesses.

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Companies from 15 to fifteen thousand use OpenAir to drive their services teams’ utilization, profitability and success. With the most complete solution in the market, our customers trust that we can meet their unique needs today and provide a platform for growth into the future. The common thread across our thousands of customers is that they all use the same version and same code base. What makes each of them unique is the near-limitless configurability options natively available in OpenAir. You won’t have to run on costly custom code or cobble together odds and ends from apps in an attempt to solve your business challenges only to discover that you’re now locked in and can no longer upgrade and grow. Explore the rich capabilities in OpenAir and see why the most strategic and successful services teams rely on OpenAir every single day to run their businesses.

” alt=”Expense Management >” /> ” alt=”Timesheet Management >” /> ” alt=”Project Accounting >” /> ” alt=”Resource Management >” /> ” alt=”Invoicing >” /> ” alt=”Project Management >” /> ” alt=”Real-Time Services Visibility >” />


Guam Bankruptcy Lawyer – Dededo Law Office, Mark Williams #dededo #law #office, #mark #williams, #guam #lawyer, #guam #attorney, #guam #law #firm, #guam #law #office, #guam #legal, #guam #bankruptcy #lawyer, #guam #law, #guam #law #suit, #guam #court, #guam #court #cases, #guam #accidents, #guam #bankruptcy, #guam #chapter #7, #guam #chapter #13, #guam #debt #relief, #guam #collections, #guam #collectors, #guam #creditors, #guam #money #protection, #guam #debtors #estate, #guam #last #will, #guam #estate #planning, #guam #taxes


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If you need assistance with a bankruptcy or other legal matter, contact our Guam bankruptcy attorney. Our lawyer has over 23 years of experience as a trial lawyer. He is a Guam bankruptcy lawyer that can help you overcome the challenges you face during a particularly difficult time. He is the Guam bankruptcy attorney you can trust.

Areas of Practice related to Bankruptcy

Our Guam bankruptcy attorney focuses his practice in a variety of legal areas, including:

  • Personal Injury. If you have been injured in an accident, you will need the assistance of counsel to represent your rights against opposing parties and uncooperative insurance companies.
  • Bankruptcy. Those going through financial difficulties may be faced with overbearing creditors and banks. A Guam bankruptcy lawyer can advocate for your rights and protect your assets.
  • Immigration. Immigration laws can be extremely confusing and complex. Given the high stakes of many immigration cases, you may want professional assistance.
  • Criminal. You may have been falsely accused of a crime. Our attorney is a former federal prosecutor and understands how unfair the criminal justice system may be.
  • Employment. If you have been discriminated against at work, wrongly terminated, or not paid the salary you are owed, you will want to contact an attorney.
  • Estate Planning. Prepare for the distribution of your assets with a trust, will, or other estate planning instrument.
  • Small Business Law. Small businesses may be particularly vulnerable to personal liability claims. Depending upon your business, you may also face unique challenges such as those relating to contracts, compliance, and other issues.

Our attorney is dedicated to providing you with the highest quality legal services. He works hard to ensure that his clients receive the representation they need and fairest chance. To learn more about the particular legal issue you are facing, contact a Guam bankruptcy attorney.

Contact a Guam bankruptcy attorney. You may be at a severe disadvantage in your legal matter. That is why it is important to work with a Guam bankruptcy lawyer. The legal issues related to bankruptcy or other legal matters can be extremely complicated and a Guam bankruptcy attorney can help explain to you options and strategies to overcome the problem.

Experience. Knowledge. Commitment.


Tampa Civil Litigation Attorney #tampa #attorney, #tampa #lawyer, #attorneys #in #tampa, #lawyers #in #tampa, #florida, #fl, #foreclosure, #civil #law #practice #in #westchase #and #south #tampa, #real #estate #law, #titles, #title #services, #closings, #employment #law, #employee #agreements, #family #law, #divorce, #custody, #support, #business #law, #company #formation, #dispute #resolutions, #commercial #litigation, #estate #planning, #wills, #trusts, #probate, #bureaucratic #processes, #court #proceedings, #legal #concerns, #unpaid #wage #claims, #flsa, #tampa #bay, #clearwater, #st. #petersburg, #pinellas #park, #pinellas #county, #hillsborough #county, #westchase #law,


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Tampa Attorney At Law
Serving the State of Florida

Thank you for visiting Westchase Law, P.A. experienced Tampa lawyers. who recognize the importance of having an attorney in Tampa, Florida who will advise, assist and advocate for you through bureaucratic processes and court proceedings.

We strive to be known in the community as experienced attorneys that provide quality legal services for individual and commercial clients in a consistently ethical, responsible, timely and cost-effective manner.

C. Todd Marks is an attorney who believes in an environment that shows respect and professionalism not only to our clients, but also to our adversaries and their counsel. By doing so we establish goodwill that ultimately benefits our clients.

Tampa Lawyer providing personal attention to your legal concerns in Florida

Westchase Law, P.A. offers individualized attention in a range of civil law matters:

  • Business Law
    • Contract drafting and review
    • Non-compete agreements
    • Corporate formation
    • Commercial litigation
    • Employment agreements
    • Business litigation
  • Family Law and Marital Law
  • Alimony
  • Child custody
  • Divorce
  • Domestic violence
  • Modification
  • Paternity
  • Prenuptial and antenuptial agreements
  • Support
  • Real Estate Law
    • Foreclosure defense
    • Leasing and evictions
    • Short sale negotiations
    • Title services and closings
    • Real estate litigation

Tampa Attorneys serving the legal needs of all of Florida

Our lawyers handle cases in the Tampa Bay area and throughout Florida:

  • Westchase
  • Clearwater
  • Pinellas County
  • Hillsborough County
  • St. Petersburg
  • Pinellas Park
  • All Florida Counties

Westchase Law, P.A. provides legal assistance throughout Florida—many legal matters can be handled by telephone to save expenses for our clients. We are capable of representing clients from Duval to Dade counties. Primarily, we represent clients in Hillsborough, Hernando, Manatee, Pasco, and Pinellas counties.

You need an experienced Tampa Lawyer to litigate your case

Through training and practice our attorneys are comfortable in the court room and familiar with the appropriate pleadings and legal tactics to move a case through the litigation process if litigation is absolutely necessary. Our firm employs a common sense approach to dispute resolution.

We have represented partners and shareholders in corporate disputes over corporate assets, including disputes over real estate, and aggressively work to obtain a satisfactory resolution of complicated commercial disputes for our clients.

We guide our Florida clients through all legal challenges

Our attorneys employ a common sense approach to dispute resolution and pursues litigation when absolutely necessary. Our lawyers understand Tampa Law. We are comfortable in the courtroom, and we are familiar with the appropriate negotiation strategies and legal tactics to move a case through the litigation process.

Call an experienced Tampa attorney at Westchase Law Today.

Whether you need an experienced Tampa divorce attorney or a foreclosure lawyer. Westchase Law, P.A. provides assistance for a full range of legal matters. For professional and prompt legal service in Florida from an accomplished Tampa lawyer, please contact Todd Marks at Westchase Law, P.A. with your questions.

Westchase Law P.A. is located in Tampa, FL and serves clients in and around Oldsmar, Odessa, Tampa, Safety Harbor, Ozona, Crystal Beach, Brandon, Holiday, Clearwater, Tarpon Springs, New Port Richey, Clearwater Beach, Largo, Land O Lakes, Zephyrhills, Plant City, Port Richey, Belleair Beach, Sydney, Gibsonton, Valrico, Indian Rocks Beach, Seminole, Trilby, Pinellas County.

Attorney Advertising. This web site is designed for general information only. The information presented at this site should not be construed to be formal legal advice nor the formation of a lawyer/client relationship. [Site Map ] [ Bookmark Us ]


Suzuki Swift 2008 car from Japan #suzuki #swift #2008, #pacific #planning #co. #ltd, #used #car, #car #dealer, #car #exporters


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When should you change your car brakes?

There is no need to say why you should change your car brakes/importance of the car brakes. You brakes are the only part of the car those give you the control of the car on the road. You cannot imagine the control when you are on the highway because you have keep the at least speed that a highway required and the flow with the other vehicles speed. What you going to do if your cars brakes do not work properly? Nothing but you just has to be careful about your brakes. After all, brakes are the. [more ]

How to remove sticky things from the car

Car is one of the favorite home/travel equipment to its owner. Maximum of the car owner not only love it, but also they are not going to see any spot on the car, stickers are so far away. Its a matter of fact that you cannot guard/stay with your car for the whole time to prevent it from the sticky things, you know maximum time children’s or some nonsense/stupid person attach any advertisement sticker on your car which is not only look odd but it’s really hurtful for the car owner unless the ca. [more ]

Durability of car tires

First of all, we should discuss about the importance of the tires. Most of the Car owner /driver merely want to know about the tires that how much time this can be run normally. You know, tires are the only equipment in the outer surface of a high speed engine vehicle for control the both speed and the weight of the Car/vehicle on the road. If you are not serious about the tires then you can call your doom of your life, at the same time you will put those life in the danger that stay at the road. [more ]

How to store your car for winter?

In the first step, take a look on the whole car very closely and observe it need to clean or not. The way would be, if you can clean it and give this a totally new look. You know, you are going to store your car for a long time and in this time, your car may gather more dust and pollution that can put you in a harassing situation after open. Your car is one of the favorite luxurious home equipment that bears your Aristocracy. At the same time you suggested before you put your car on the store ro. [more ]

Top 10 Cities famous for car accident in the USA

USA is one of the first world’s country whose people use private car in heavy number. The fears matter is, USA is almost in the top of the Car accident among the first world country. This report is been published an organization name “Allstate Insurance Company”. They research in all the states of America and publish a report that also possess the information about top ten cities, they claim that America’s 200 spots/cities are most dangerous for the Car Accident/collision. “Allstate Insurance. [more ]

The modern auto repair shop

The title may look like to our visitor, it is an article on the basic requirements of the Modern Auto repair shop. yes they are exactly to the point. An auto repair shop is a place where a car owner must have to go so many times in his/her life. At the same time, some car owner often avoid to enter in the car repair shop, because of dust and some other thing that may make them look refresh. These car owners usually sends there relative, friends or the driver to make the problem solve. It is a ma. [more ]

How to save money on auto repair?

One thing will alarming on your mind that, God knows how much money you have to spend whenever your car make you feel not good. It is very common for all the car owners specially, to the standard class car owners, maximum time they avoid to do servicing their car on little damage or disturbance. But one thing they never notice that, they can make it repair by the help of the experience persons or by self. Yes, believe me you can do this, you just have to try it from the core of your mind. You ma. [more ]

How to be satisfied from Auto repair shop?

Car is like a sign of aristocracy to all class of people including upper or standard. It means, cars are not only a media of transport rather it has a huge demand of showing the Aristocracy. In this regard, car owner often have to pay more than need in the servicing of their car with the tension of quality about the servicing. If the owners have the at least knowledge about the working or the tricks of receiving the quality service then they don’t have to feel tension on the quality of the servi. [more ]

When is auto repair needed?

The title may be looks like odd to our visitor, they may think that whenever the car creates problem or the owner feel something like problem, they will took it at the repair shop. We have some suggestion for you; we believe these suggestion or tips can save your money a lot. you know, there are some basic requirement/part/maintenance which can be done easily without visiting the repair shop. A common question may appear in your mind that how this could be possible? Every problem has a solution. [more ]

When you need to replace your cars battery?

Battery is one of the basic part of a car, by which car got the power to start of run. You cannot imagine a running car without the battery. There are so many reasons behind the damaged/unusable damage of the battery. You don’t have learn what/when you need to change/replace the battery rather you will bound to change the battery immediately when you cannot use your car. That means, your car will no longer be usable if the battery is not worthy of use. If your car making its appearance normal. [more ]


Save 80% on Cheap Flights & Airline Tickets – Flight Network #free #flight #planning


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Flight Network is the largest travel agency that is both owned and operated in Canada, and we love helping Canadians like you find cheap travel deals! We understand Canada better than big American travel brands and we know how to focus on getting the top deals at the lowest prices to the destinations and airlines that Canadians love the most. How can we do this? It’s easy. Because of our position, we have been able to create partnerships with every major airline in the world, and we buy the largest volume of airfare on flights to, from and within Canada. This allows us to get the best fares and pass those savings on to you. If you happen to find a better price elsewhere, let us know and we’ll beat it! But there’s no need to spend hours checking for flights on lots of different websites. By booking with us you can save time by comparing all available deals in one place all while being assured that if the price of the flight drops after you book, we’ll credit you the difference with our amazing and free Price Drop Protection program. Whether you’re booking at the last minute, you’re not sure what is a good deal, you’re departing from a remote city with few options, or you need any help at all, give us a call. We’re here 24 hours a day, 7 days a week at 1-877-496-4815. Flight Network is a member of TICO and has been awarded a rating of A+ by the Better Business Bureau of Canada.

Flight Network is the largest travel agency that is both owned and operated in Canada, and we love helping Canadians like you find cheap travel deals! We understand Canada better than big American travel brands and we know how to focus on getting the top deals at the lowest prices to the destinations and airlines that Canadians love the most. How can we do this? It’s easy. Because of our position, we have been able to create partnerships with every major airline in the world, and we buy the largest volume of airfare on flights to, from and within Canada. This allows us to get the best fares and pass those savings on to you. If you happen to find a better price elsewhere, let us know and we’ll beat it! But there’s no need to spend hours checking for flights on lots of different websites. By booking with us you can save time by comparing all available deals in one place all while being assured that if the price of the flight drops after you book, we’ll credit you the difference with our amazing and free Price Drop Protection program. Whether you’re booking at the last minute, you’re not sure what is a good deal, you’re departing from a remote city with few options, or you need any help at all, give us a call. We’re here 24 hours a day, 7 days a week at 1-877-496-4815. Flight Network is a member of TICO and has been awarded a rating of A+ by the Better Business Bureau of Canada.

Come Explore the World Before You Travel.

Cheap Flights from Other Canadian Cities


What is business continuity management (BCM)? Definition from #business #continuity #and #disaster #recovery #planning #for #it #professionals


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business continuity management (BCM)

Business continuity management (BCM) is a framework for identifying an organization’s risk of exposure to internal and external threats.

The goal of BCM is to provide the organization with the ability to effectively respond to threats such as natural disasters or data breaches and protect the business interests of the organization. BCM includes disaster recovery. business recovery, crisis management, incident management, emergency management and contingency planning .

Download this free guide

What should be in a CIO’s IT strategic plan?

This complimentary document comprehensively details the elements of a strategic IT plan that are common across the board – from identifying technology gaps and risks to allocating IT resources and capabilities. The SearchCIO.com team has compiled its most effective, most objective, most valued feedback into this single document that’s guaranteed to help you better select, manage, and track IT projects for superior service delivery.

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You also agree that your personal information may be transferred and processed in the United States, and that you have read and agree to the Terms of Use and the Privacy Policy .

According to ISO 22301. a business continuity management system emphasizes the importance of:

  • Understanding continuity and preparedness needs, as well as the necessity for establishing business continuity management policy and objectives.
  • Implementing and operating controls and measures for managing an organization’s overall continuity risks.
  • Monitoring and reviewing the performance and effectiveness of the business continuity management system.
  • Continual improvement based on objective measurements.

The Business Continuity and Disaster Recovery Toolkit #business #continuity, #disaster #recovery, #contingency #planning


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Disaster Recovery Toolkit – Audit, Analysis Contingency Assessment

Business continuity and disaster recovery planning are now accepted as basics requirement for every business and organization. It is widely accepted that a detailed business continuity / disaster recovery plan should not only exist, but should be up to date. It should reflect the actual on-going needs of the business activity or function.

But how do you ensure that this is actually the case? If you have a plan, do you know that it will all work? Do you ever audit it, and if so, how?

Equally importantly, do you know what your service/resource dependencies are and what their time criticalities are? What of your everyday contingency practices – do they measure up to close scrutiny?

To determine and ensure all of this, a very comprehensive but extremely simple to use product is now available. The Disaster Recovery Toolkit.

The Disaster Recovery Toolkit is a highly valuable collection of items and documents to assist in ensuring continuity in the face of serious incident or disaster. Each item included is tried and trusted in a wide variety of organizations across the world.

The toolkit is shipped in two formats: RTF and PDF. The former is provided for organizations which wish to import the documents to MS-Word or similar, for editing or for adding additional elements. It comprises

  • A contingency audit questionnaire

  • A dependency analysis document – questions and guidence

  • A Business Impact Analysis questionnaire.

  • An audit questionnaire for your disaster recovery or business continuity plan (if indeed you have one)

  • A checklist, action list and framework for disaster recovery an dbusiness continuity planning

    The toolkit is designed to help you review the full array of business continuity and disaster recovery issues. It should help you gain all the assurance you need for this potentially critical activity. See our Sample Pages

    If you need any further information on the Disaster Recovery Toolkit. please do not hesitate to contact us


  • FREE D #financial #retirement #planning #software


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    We Pay The Fees So You Can Create Your Own
    Budget And Cash Flow Plan Without Charge

    How much budgeting and cash flow planning can you achieve on your own?

    The short answer appears to be most, or possibly all of it – so long as you have access to the right financial planning tools.

    Remember, this type of preparatory work is central to the formulation of a sound financial plan. To know where you are going, you must first of all establish your starting point – that is, set out your Assets, Liabilities, Income and Expenditure (a potentially unhelpful acronym) in a format that can be easily re-visited and updated.

    We at Money Guidance have spent a lot of time reviewing available Life Planning software over the last couple of years. These offerings vary from fairly basic spreadsheets to highly complex software programs, which themselves require either the guidance of financial intermediaries or attendance at a number of dedicated user courses.

    However, for most prospective investors there is unlikely to be any need for over-elaboration. After all, cash flow represents merely a series of assumptions which are capable of being fine-tuned from time to time by most of the visitors to this website.

    Having taken the time to research this market, Money Guidance has concluded that the interests of our site users will be best served by accessing the cash flow planning tools from either Money Hub or Money Vista – both of which are available here on a free-to-use basis.

    (For the cynics among you, Money Guidance has reached its conclusions independent of any direct or indirect incentives, be they financial or otherwise).

    Pension Calculator

    If you would like to calculate what the shortfall is between your current retirement funding and what you would actually like to live on in retirement, then Age UK has kindly agreed that free access can be provided to its very helpful calculator. We think you will find this tool simple to use, while producing enlightening and comprehensive results:

    Need Help? Money Guidance will be offering web-based Chartered Financial Planning at £65 per hour in association with its regulated sister company, Just Advice. Click here to learn more .

    Benefits of Life Planning

    Sound investing is not about pursuing the latest theme exhorted by fund managers, investment advisers or journalists.

    The attainment of meaningful investment results involves a reliable strategy, rather than a tactical approach informed by flawed intuition.

    To plan properly, you need to set down the big picture and then build up your medium/long term objectives from this base.

    Life Planning software provides you with the necessary framework to attain your financial goals and is central to the fee-based propositions of leading Chartered and Certified Financial Planners.

    Take the time to map out your finances using one of these valuable cash flow tools.

    Notice

    money-guidance.co.uk only contains market information and does not constitute advice or a personal recommendation in any way whatsoever. The products shown will be arranged on a non-advisory basis, unless otherwise agreed. If you are at all unsure of the suitability of a particular product for your circumstances you should seek independent financial advice. Please refer to our Regulatory Disclaimer and Privacy Policy for further information.

    *A CIC is a limited company which is established for community purposes, and the assets and profits are dedicated to this cause. In other words, this business has been designed as a social enterprise, and not to benefit company shareholders.

    Copyright 2016.
    Money Guidance CIC is an Appointed Representative of Alan Cheetham (Asset Management) Limited, a company which is authorised and regulated by the Financial Conduct Authority.


    What s wrong with using insurance as an investment? Ultimate Guide to Retirement #retirement, #insurance, #life #insurance, #insurer, #term #insurance, #investing, #cash-value #life #insurance, #mortality #and #expense #charge, #personal #finance, #insurance #agent, #retirement, #how #to #retire, #planning #for #retirement, #saving #for #retirement, #retirement #savings, #ultimate #guide #to #retirement, #cnnmoney, #money #magazine,


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    What’s wrong with using insurance as an investment?

    Agents may try to sell you a cash-value policy as a way to invest for retirement. They’ll tell you that the investing component serves as forced savings. (Sure, but retirement plans like 401(k)s force you to save too, once you’ve taken the initiative to sign up for them.) They’ll say the money you have building up in your cash-value policy can grow tax-deferred, but money in IRAs and 401(k)s does too. What they won’t tell you is that cash-value insurance is generally a poor investment.

    It is a very costly way to invest. There’s the cost of the insurance protection itself – which, by the way, is usually more expensive than what you would pay for a regular term insurance policy. There are the marketing and sales commissions. There’s also the surrender charge that may be levied if you decide to drop your policy within the first 10 years or so. The amount of a surrender charge varies by insurer and type of policy, but it is not uncommon for it to exceed the total amount of your first-year premium.

    And, on top of all that, there are annual investment fees. Those are not broken out in all policies, so it’s often hard to determine how much you’re paying. In policies where they are disclosed (typically variable life or variable universal life policies), however, they can be substantial: 3% or more, year end and year out.

    What makes up that 3%? Most of it is the investment management fee, which can run as high as 2% a year. Added to that is an annual fee called the mortality and expense charge, which also goes by the name of M E. This is essentially a fee thrown in to assure the insurance company a profit, even if all those other fees somehow don’t.

    The heavy fees involved with cash-value life insurance can really drag down your returns. Especially when you consider that index mutual funds often have annual expenses under 0.5%, and many actively managed mutual funds charge 1% or so. That’s a lot less than the 3% or more you’ll pay for the investment component on a cash-value policy.

    The lesson: If you need life insurance, get term insurance. If you want to invest for retirement, invest in IRAs, 401(k)s or similar retirement plans.

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