Unsecured Loans For Unemployed – Do They Exist?

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Secrets of Bonding 116: How NOT To Handle Bid Bonds

Just like everything else, there is a right way and a wrong way when it comes to bid bonds. You may be happy to learn from your mistakes, but these lessons can be costly. Messing up a bid bond can result in the loss of a lucrative contract. It can cause the demise of your bonding relationship, could become the basis of a lawsuit, or merely make you look bad in front of your boss. In any event, it’s better to learn the easy way so…

There are three things to remember when it comes to bid bonds:

Underwriters view the bid bond as the first link in a chain of events that hopefully will result in the issuance of a performance bond. Therefore, the decision to provide it is predicated on the surety’s ability to support the eventual P&P bond that may result. The decision is based on the potential dollar value of the contract, not the bid bond. A 10% bid bond on a $1 million proposal is not a $100,000 decision.

There is such a thing as a bid bond claim. We don’t “just issue” them.

What Not To Do #1

Just to be sure you have the bid bond in time, you could move up the date on the Bond Request Form. The bid is really on the 25th, but you indicate the 22nd, just so they don’t mess you up. Pretty clever?

Actually, no. The underwriter will probably ask for a copy of the bid invitation and see the actual date. Plus, they may have other bidders on the same job, and the info is probably available online, etc. Such tactics can hurt your rapport with the surety. You want to be cute, but not in this way.

What Not To Do #2

It is common for sureties to indicate a maximum dollar amount (bonding line) that they will support on a single contract. Let’s say it is $1 million per job.

If your bid calculation for an upcoming project is firm at $1.25 million, what do you do?

Another scenario: You expected to not exceed $1 million but a sub or supplier price comes in higher than anticipated at the very last minute!

Lower the bid to $1 million to fit the line and hope to make up the difference on the project?
Request the bond for $1 million but put in the bid for $1.25 million, then claim it was a communication error?
Use the $1 million bid bond, then plan to get a different surety that will provide a $1.25 million P&P bond?
Don’t bid the job?

There is really no way to “sneak in” a bid for a higher amount. The system is set up to prevent this. In addition, the surety may issue a capped bid bond, which means it is void if used for more than the approved project amount.

The best option is to make a special presentation to the underwriter and gain support for $1.25 million. All the other options can have bad outcomes.

What Not To Do #3

A new project opportunity pops up and there isn’t enough time to get a bid bond. Is it best to:

Submit the bid with no security and hope to provide it later?
Use a check instead of a bid bond, and hope to exchange the bond for the check after the bid opening?
Don’t bid the job?

A possible solution could be an electronic copy of the bid bond (which can be printed out and signed / sealed by the contractor). Most obligees will accept this, at least temporarily.

We don’t recommend bidding with a check unless the surety has indicated their support of the project. Without that commitment in hand, the failure to provide a P&P bond could cause loss of the bid security and contract. Bad outcome!

What Not To Do #4

The proposals have been turned in and the bid results are known. You are low bidder, REAL low. Bids that are more than 10% below the second bidder raise a red flag for the surety and could prevent their support of the P&P bond. What to do?

Report the bid results but “fix up” the numbers to eliminate the spread in excess of 10%.
Report the results and hope for approval.
Withdraw your bid.

This actually happens pretty often. We think the best approach is to step back and review the bid calculation, the bid results and the relative competitiveness of the proposers.

If you find an error in the calculation, it may be prudent to quickly withdraw the bid and avoid a losing contract. The bid results may show a cluster of bidders above the second bidder. In these cases, the low bid may be acceptable if it is not more than 15% below the average of the second and third bidders. (The point is to avoid an underpriced project, bad for the contractor and any surety that may have to step in to complete it.)

It is also possible that the low bidder has a unique advantage over the other companies such as closer to the project, specialized equipment, prior experience, materials on hand, or a special relationship with the architect or owner. The key is to make a written presentation to the underwriter explaining these details.

We hope these tips help as the new bidding season unfolds.

Oh, here’s the third thing to remember:

Treat bid bonds as the first step in a process, and above all, protect your surety relationship. It is more important than any one bond or project.

Steve Golia is an experienced provider of bid and performance bonds for contractors. For more than 30 years he has specialized in solving bond problems for contractors, and helping them when others failed.

How To Get The Best Structured Cabling Training You Will Ever Need

With so many companies in recent times claiming that they can give you the best possible training on structured cabling, there is need for you to be vigilant in other not to waste your hard earned money and time. This requires that you search for the very best companies out there that can give you the required skills and mould you to be on the right path to be a distinguished individual in this field.

Do you want to find out some hidden secrets?

There is a huge shortage of companies or firms out there that don’t know their stuff on this discipline and whether you like it or not. There are vital things you should look out for on your journey to being an expert in this field.

Do they have reviews?

Hey! Any company out there with some kind of good reputation should be praised by outsiders and not the company itself blowing its trumpets. The issue of looking out for customer reviews before deciding on which particular company to take is important that it cannot be over estimated.

You should ask people that they have trained before on how their training programs are and most of them will be very much willing to tell you if you can actually flow with them or not over the course of time. If a company has a list of trained persons who have gone on to become professionals in the field of telecommunication then there is a good chance that such firm can really impart the right knowledge.

Money doesn’t matter but most companies don’t deserve to get even up to fifty percent of what they are charging as their fees for training persons.

Check out their outlined programs for the training

Most of the companies have training programs to be followed over a particular period of time and most times they are not well arranged. If this happens to be the case, then it becomes difficult for you to really get any kind of knowledge which will be meaningful that can add value to your life.

If you can make a request for the series of programs that they follow, then you will have something to base your decision on. Such learning is supposed to go from simple to complex, general to specific, and from known to unknown. It is not all about teaching practicals or theories, there are appropriate times when each should come in.

How are the members of technical staff like?

Let’s get this straight, and that is the fact that a firm with technicians that are half baked can’t make you a real professional but rather you will toe this same path. Don’t get me wrong on this one. It is just that the telecommunication field has become so porous in recent times that most companies into structured cabling don’t have persons that are highly skilled in the field. Don’t be deceived by all the hypes going on about most companies. They don’t have the capable hands to teach all the terminologies and practicals concerning this particular discipline.

Are you struggling to get a reputable company on structured cabling that will meet your IT cravings? Or maybe you want a company that will give the very best and at the same in an affordable price? Then visit UnLimited IT for more details where you are sure guaranteed to get the very best of IT information.

Funding Company: Six Things To Remember!

There are different types of funding companies in the market; one of them is an inheritance funding company. Before a person dies, he makes sure that he calls a professional lawyer to write down his will. This will is made by someone, who can be trusted with respect to the property decisions.

Parents save and invest in properties almost all their lives; they want to be sure of the future of their kids. Therefore, when they are about to go to the other side, they divide the property equally or depending on their wishes. If you have been blessed with inheritance, you are one of those lucky people, who have had wonderful parents!

But wait a minute… just because you have the will in your hand doesn’t mean you are already the owner of the property or finance. There is a legal process that to be followed, before the inheritance is given to you.

Now, what if you need money for something before you get this ‘property’ or money, according to the will? This is where inheritance funding companies come ahead to help you.

If you are planning to take the help of such a company, following are the top six things that you need to remember:

1) Just because you have your name in the will, you get the loan against it. If there is no name mentioned in the will, you can never get the loan you need.

2) You can use this money for any ethical purpose; the company only focuses on the will that you have with you.

3) Don’t even think of using a fake will to get money from such a legal firm; there are hundreds of ways in which they can catch you; in case, the will is faked or manipulated, the company can take legal actions against you.

4) Going to such a company is, perhaps, the best option, since there is nothing else that you need. Rather than taking a long term loan, plan for short term, since it can be repaid quickly, without keeping you burdened for long.

5) Before you take the loan, ensure about the reputation of the funding company. Just like people can fake wills, fake companies exist in the market to fool around with people. Also, interest rates fluctuate from firm to firm; thus, think wise before getting into a deal.

6) Don’t be over-confident about the loan you take. What if the will doesn’t work in your favor and you end up getting nothing at all? Take a loan you know you can return without being overly dependent on the inheritance.

How Astute Are You? Aiki & Zen in Business

How astute are you?

In business as in life generally we acknowledge those whom we class as “astute”, for their perception and insight.

The wise old men of the past became very observant, extremely intuitive and immensely astute.

Often it was as though they could predict a chain of events through some remarkable power they had been blessed with, and as a consequence nurture an incontestable wisdom.

So where did this mastery come from… ?

Many led a humble existence and dedicated their lives to assisting those in jeopardy.

Their observations came from studying life… their astuteness came from understanding the interconnected patterns of human existence.

Can this mastery be achieved in today’s world… ?

Of course it can… but there is a toll…

If we are prepared to undertake the same dedication to the study and observation of life that the sages of the past did, then surely we can become as astute as they were… and as a consequence leave a legacy to help make the world a better place…

And by default shape a better life for us… without the need to become an impoverished hermit.

Two such ideologies studied by the ancient sages are Aiki and Zen…

These two magnificent philosophies bring together the wisdom of the past to assist us in managing our personal and business lives today in the 21st century…

Often they are seen as separate entities, but are, as all things are, interrelated.

When combined they give us a remarkable mechanism to become very astute in both business and life.

Zen philosophy favours understanding over knowledge… and leads us to behaving in an exemplary way, particularly in relation to the way we treat others.

Aiki… is a martial art term meaning… harmonising energy… it applies not only on a physical level, but teaches us the concepts of distance without being distant… strong posture… and deflecting and controlling whatever negative intention is aimed at you.

Zen teaches us to develop three attributes… for us to become better people…

Clarity… not to believe anything until you have found truth for yourself… distinguish between good and bad, embrace the good.
Humanity… understanding that good people and bad people are different… and that each have their own unhappiness… and own joy…
Courage… appreciate that we learn fear… and that we must discover the courage to unlearn fear…

Aiki helps us to understand three postures… that help us deal with those people and situations that would do us some form of harm… they are…

Mental posture…
Physical posture…
Spiritual posture… (not a religious thing, your spirit signifies above all else your inner most intent and essence).

Aiki give us the perception to tackle a situation, with the intent of not competing to win, but with the control of the three postures to ensure you don’t lose.

Zen gives us a code of honour with which to measure ourselves and others.

Aiki gives us a strategy for dealing with whatever life throws at us, by maintaining a strong stance through the three postures of mind, body and spirit.

The reality is…

Everyone wants the same thing… to be happy and content… but astute enough to know it is morally and practically unwise to chase only our own happiness.

For many people the pressures of life rob them of the opportunity of contentment.

Aiki combined with Zen give us the wisdom to create a contented life irrespective of our circumstances.

In today’s world, we are not used to waiting, we want and expect things to come quickly, and easily, we have knowledge, and skill to a degree but often we lack wisdom and understanding.

Aiki and Zen are two friends that walk by our side for all of our life, helping us to gradually understand our situation and learning how to become a better person living a better life.

“if we simply let life unfold, allowing Aiki and Zen to assist us in observing what is actually happening so that we don’t end up chasing impossible rainbow’s, everything we deserve will eventually come to us”

“we are all protected by our own spirit, essence and good intent”

It is at this point that we are able to endeavour to become astute.

Using modern psychology astute people are able to discern the following four states that all humans are prone to…

Unconscious incompetence
Conscious incompetence
Unconscious competence
Conscious competence

Unfortunately many people delude themselves by believing they are competent when they are incompetent.

Look around and you can see many, many people who are unconscious incompetents.

They continually practice bad habit’s and eventually become very good at being incompetent.

“experience does not always equate to ability”

Many people in business and politics reach a level of incompetence because they are promoted above their competency.

As a consequence there are many examples of an unconscious incompetent appointing another unconscious incompetent.

Aiki and Zen give us the clarity to see our own inadequacies, the humanity to help those who need help, and the courage to do what needs to be done…

Finally, many people deceive themselves and others into believing they are more competent than they actually are… when you are astute enough to truthfully understand yourself you really will be astute enough to understand others…

Fortunately many people have good intent, are skillful and bring a quality to their own and others lives.

However we sometimes get so close to people and negative situations, we lose our posture, become confused and distressed.

We may not be able to be happy all the time… but we are able to be accepting of all situations presented to us, and, consequently content.

Aiki and Zen enable us to become more astute, by being able to keep a distance without being distant, see the truth of a situation and stop bad things happening before they happen… Chris

“when we practice a martial art or any other skill, we learn technique… however if we only learn technique and forget the principles of Zen and Aiki… we will become, only technicians… and miss the opportunity of becoming more astute.”