Closed-circuit television or CCTV is permissible in public areas including shopping malls, homes and businesses throughout the UK. CCTV cameras have become more advanced in recent years.We offer a complete stable CCTV systemra system keeping in view the importance of security required to protect your home or business. You will receive help and advise you the best possible solution for your scenario. With years of experience in CCTV ensure that we cover all the aspects of modern CCTV Systems which include powerful Night Vision Cameras, Dome Cameras, PTZ Camera Systems as well as IP CCTV Systems. Our fantastic product range of CCTV Systems for home and businesses are affordable and customisable to meet your demanding requirements.
Buying CCTV System can look to be a daunting task at first as not everyone likes getting indulged in the technicalities. We have tried to make your buying experience with us nothing less than bringing you complete satisfaction. There are hundreds of CCTV companies out there with many different products to confuse you, whereas we have kept it very simple by only stocking the highest quality of CCTV Cameras and complete CCTV Systems. We strongly believe that a happy customer is the biggest source of marketing for us as according to us its not about just selling the goods, its about being known as the first point of contact for yourselves for all your CCTV requirements.
Wednesday, 16 November 2011
Wednesday, 12 October 2011
Great American Insurance covers job loss
Cincinnati-based Great American Insurance is offering a policy that's among the first of its kind: Making sure workers can receive at least 50 percent of their incomes if they lose their jobs, potentially benefiting hundreds of thousands of middle- to higher-income people.
Currently, jobless workers make do by collecting state unemployment checks that amount, at best, to a few hundred dollars a week. For workers who once earned $60,000 or more a year, the jobless benefit is much less than half their previous wage. Many of these workers make ends meet by taking multiple part-time jobs or positions below their qualifications.
Now, Great American and Assura Group of New York are partnering to offer coverage that ensures customers will receive 50 percent of their previous incomes when combined with unemployment benefits - even if they used to earn up to $250,000 a year.
"Everyone knows a friend who's lost their job," says Leslie Nylund, Assura's chief executive. "This fills the gap in unemployment benefits. It takes the pressure off people and allows them to look for the right job."
IncomeAssure, which launched a month ago, is available in 34 states and is being marketed to professionals making anywhere from $60,000 to $250,000 per year.
Workers who lose their jobs can collect up to $387 weekly in unemployment benefits in Ohio, and $415 in Kentucky. That translates into 50 percent coverage for workers who once made $40,000 in Ohio and $43,000 in Kentucky.
But workers used to earning higher wages find the maximum jobless benefits fall short. Unemployment benefits provide just a quarter of the income once earned by workers who made $80,000 a year in Ohio or Kentucky. With IncomeAssure, that worker would receive $382 a week in Ohio and $354 a week in Kentucky in addition to their unemployment benefits.
The typical premium is about $66 per month, or about $800 a year. The greater the coverage, the higher the premium. Coverage lasts only for the first six months of unemployment.
"With unemployment hovering at 9.1 percent, you have a higher likelihood of becoming unemployed than becoming disabled or dying," Nylund says. She estimates the national market for the new coverage to be worth $25 billion to $30 billion a year for 30 million people.
Great American Insurance, a subsidiary of American Financial Group, says IncomeAssure dovetails well with its portfolio of specialty insurance products that cover everything from semi-trucks to executive liability. The company also is the No. 1 insurer of casinos, armored cars and the show horse and racing industry.
"Our partnership with Assura Group gives us the unique opportunity to fill an unmet need in the insurance marketplace with a truly innovative option," says Mike Sullivan, senior vice president of Great American Insurance.
More than a third of Americans are worried they could lose their job in the next 12 months, and 75 percent say they are not financially prepared for a potential job loss, according to a survey by research firm Caravan OCR International. The same survey showed 62 percent of respondents said they'd use long-term savings to cover expenses, while 28 percent would be forced to use retirement funds or seek financial help from family and friends.
There is a six-month waiting period before benefits can be received, which prevents payouts to someone who might know that he or she is getting laid off in a month. If a customer is laid off during the waiting period, he receives a full refund.
Matthew Rohrmann, an analyst with Keefe Bruyette & Woods in New York, says other types of insurance will pay the mortgage, car payments or credit card debt if a person loses his job. But Rohrmann says he's unaware of any other insurance that provides the comprehensive coverage of IncomeAssure. He says Great American has a track record of identifying highly specialized and potentially very lucrative niche insurance products.
"It's too early to say if this will move the needle for them, but they have always had a reputation for being on the cutting edge when new opportunities arise," Rohrmann says.
Charles Short Insurance Says New Law Is Good News for Horse Lovers with Texas General Liability Insurance
The local insurance specialists, at Charles Short Insurance, discuss new law's affect on insurance coverage.
Lubbock, Texas (PRWEB) October 02, 2011
State legislature recently passed the Texas Farm Animal Limitation of Liability Act, which is good news for business owners who operate horse barns and conduct lessons. The agents at Charles Short Insurance have seen a number of well-intentioned clients go through legal problems due to accidents that occur when an employee or rider falls off of a horse or hurts themselves on some type of barn equipment.
The new law aims to protect barn operators and other industry professional from claims of equine-related injuries, and requires that business owners post signs around their property outlining the regulations. The markers will draw attention to the inherent risks involved with equestrian activities.
However, Charles Short Insurance wants to highlight the fact that the new law does not give business owners immunity from any type of liability. For example, they will still need adequate Texas property insurance. For people who have questions about whether or not they need general liability insurance, Texas-based agents at Charles Short Insurance can provide expert advice and answers.
About Charles Short Insurance:
Ellen Whitaker
Located in Lubbock, Texas, Charles Short Insurance has been Texas' leading local and statewide insurance agency; dedicated to serving the diverse Texas insurance needs of area individuals, families, and businesses since 1973. Since the agency's beginning almost 40 years ago, Charles Short Insurance has evolved to serve not only the local area, but the entire state of Texas. By utilizing some of the country's finest insurance companies, Charles Short Insurance ensures its clients get the best Texas insurance policies available at the most affordable rates.
Read more: http://www.sfgate.com/cgi-bin/article.cgi?f=/g/a/2011/10/02/prweb8844389.DTL#ixzz1ab4GVrtm
Equine Insurance Services - Need A Horse Insurance Quote?
www.e-quine.com.au
Thursday, 15 September 2011
Commercial Mortgages: Apartment owners and developers continue to benefit
Bruce Springsteen may have been talking about the economy's connection to commercial real estate when he sang, "We're runnin' now, but darlin' we will stand in time to face the ties that bind" in his 1980s hit "The Ties that Bind."
The tale of the last month has been one of nasty economic realities sinking in and disturbing a commercial real estate market that was poised to rebound.Perhaps the most important news to commercial real estate continues to be stalled job growth.
Because of heightened economic uncertainty, businesses and individuals alike continue to stockpile cash and safe investments because they are not confident about the future.
Despite a concerted Federal Reserve effort to get money circulating, cash continues to sit on the sidelines. This affects job growth.
Arguably, the largest uncertainty facing the economy is housing.Ownership and investment in a home typically have the largest impact on an individual's net worth, and, therefore, the consumer's outlook.
New housing also is a large creator of employment in the U.S. as well as consumer spending for household-related goods. But the housing sector has been on its rear end for five years, and there is no end in sight.
Record low interest rates would seem to be a good policy for increasing housing demand.But banks are gun-shy about lending and have tightened their underwriting standards so fewer people can qualify for these low interest rates.
This paradigm is playing out in commercial real estate lending in which weaker sponsors and properties are not able to access the capital markets.
This is typical in a recovery in which banks are getting their balance sheets back in a condition to take more risk.What is confusing and threatens to undermine a natural return to taking risk is the government's $196 billionlawsuit against 17 major banks, the largest producers of home loans and commercial real estate loans. The suit was filed Sept. 2.
At best, this will slow new lending on homes. At worst, it will undermine banks' ability to lend on other assets because of the looming liability related to the lawsuit.
Bad news for some, however, can be good news for others.
Apartment developers and investors continue to benefit from the lack of demand for homeownership. Banks are noticing.
In the latest quarterly banking profile by the Federal Deposit Insurance Corp., apartment loans were the only significant beneficiary of lending during the past quarter and past 12 months.
The FDIC report shows that loans secured by real estate fell about $36.5 billion during the second quarter and $215.5 billion during the past year.
Commercial real estate loans fell about $5.3 billion during the second quarter and $22.2 billion in the past year. Multifamily loans, however, increased by $1.3 billion in both the second quarter and during the past year.
The Federal Reserve is doing virtually everything to ease monetary policy to try to get money circulating, but how do rates get more accommodative than where they are now?
The 10-year Treasury is hovering at 2 percent, and shorter term Treasuries are at or near zero percent. The low Treasury yields are benefiting commercial and multifamily real estate borrowers, but the cheapest rates are available to a select few.
The five- and 10-year loan rates are 3.75 to 4.75 percent, according to the John B. Levy Commercial Mortgage Survey. Loans for multifamily borrowers continue to be available at much cheaper rates from government-backed HUD, Fannie Mae and Freddie Mac programs.
The government arguably has no reason to back market-rate multifamily projects at rates that are lower than are offered by institutional investors, but undoubtedly, apartment loans are a good investment today.
Despite a downbeat economic forecast from Fannie Mae for the near term and into 2012, demand and supply favor apartments for the foreseeable future.
The Richmond multifamily market should benefit in 2012 and during the next five years from an imbalance of demand over supply, according to data from commercial real estate brokerage CB Richard Ellis.The report predicts a modest uptick in the vacancy rate through the end of the year to 7 percent before demand outpaces supply in 2012 when the vacancy rate should fall to 5.1 percent.The report forecasts continued rental growth through 2016 and a reduction in vacancy to 4.6 percent.
Clopton Capital Announces Changes to their Commercial Mortgage Broker Services for Commercial Real Estate Loans
Clopton Capital has just launched a small balance mortgage plan for lending relatively small amounts of capital that most banks and lenders simply will not. The details of this program are outlined on one of Clopton Capital's websites, CommercialMortgageSource.com.
Chicago, IL (PRWEB) September 14, 2011
Clopton Capital is commercial mortgage broker and is located in Chicago, IL. They primarily focus on commercial mortgages, SBA loans, commercial real estate loans and niche financing mechanisms such as gas station loans and owner operator financing. The founder of Clopton Capital is Jake Clopton and this press release is part of Clopton Capital's consistent effort to remain involved with the public, namely their future clients. Clopton Capital can be contacted at CloptonCapital.com.Clopton Capital has just launched a small balance mortgage plan for lending relatively small amounts of capital that most banks and lenders simply will not. The details of this program are outlined on one of Clopton Capital's websites, CommercialMortgageSource.com. The absolute minimum amount to borrow under this new program is $25,000 and the maximum is $400,000. Clopton Capital believes this program will benefit thousands who have otherwise been turned away by banks who see no interest in lending less than $1,000,000 to a single applicant. In many cases these mortgages can be issued without broker points as well. "I really feel the demand for these loan products will be massive, we're entering a perfect storm where businesses won't be able to get credit, especially if they are borrowing amounts that aren't worth an underwriter's time", said Jake Clopton, the founder of Clopton Capital.
Clopton Capital's future plans involve starting their own in-house commercial mortgage program that will be designed for exceptionally small commercial mortgages and underwritten faster than external capital would be. This program would simply a derivative concept of their current internal bridge loan financing service. "The long term strategy of this operation is to fund a larger and larger portion of loans in-house as time goes on", stated Matt Reed, an associate of Clopton Capital.
Clopton Capital can be contacted at their website CloptonCapital.com or at 866.647.1650 during regular business hours central time. Their website contains more specific information about their working capital products. Their website dedicated to commercial mortgage is CommercialMortgageSource.com.
Next Level Security Systems Provides First Glimpse of New Technologies at ASIS Seminar & Exhibits
ORLANDO, Fla., Sep 14, 2011 (BUSINESS WIRE) -- Next Level Security Systems ( www.nlss.com ), a provider of a new breed of unified, networked security solutions, will highlight the next evolution of its open platform, IP-based security technologies at the 2011 ASIS International Seminar & Exhibits in Orlando, Fla., Sept, 19-21, 2011. At booth #2373, seminar attendees can get a first look at the newly released NLSS Gateway 2.2, an upgraded version of the company's flagship technology, which integrates video management, IP access control, 10 distinct video analytics, remote managed services and intrusion detection into a single appliance. In addition, Next Level will provide a preview of upcoming product enhancements including an enterprise-class security management platform and mobile applications.
"With the NLSS Gateway 2.2, we have significantly improved functionality and feature sets that can help users streamline investigations and increase situational awareness all while managing the system from anywhere," said Peter Jankowski, Chairman and CEO, Next Level Security Systems. "The NLSS Gateway continues to be the most cost effective security management solution available today and the ASIS conference presents a terrific opportunity to showcase our technology differentiators to prospective and current partners and customers."
Conference events
ASIS conference attendees are invited to view demonstrations of Next Level's technologies and meet the executive team during Next Level's cocktail reception at its booth, #2373, on Tuesday, Sept. 20, 2011, from 2:30 p.m. to 4:30 p.m. Attendees can also hear insights from Jumbi Edulbehram, Vice President of Business Development, Next Level Security Systems, as part of a panel discussion on the retail loss prevention market. The panel, "Crisis Management, Technology Update and Management Effectiveness" will be held on Tuesday, Sept. 20, 2011, from 1:45 p.m. to 3 p.m.
Next Level's open platforms enable integration with a host of industry leading technology companies. Attendees can view and demo a combined Next Level-Sony solution including the NLSS Gateway and the NLSS HD Media Decoder at the Next Level booth #2373 and the Sony booth #2127.
"Working closely with innovators like Next Level complements Sony's strategy of delivering market-wise solutions that anticipate, meet and exceed expectations for customers," said Mark Collett, General Manager, Sony Security Systems Division. "Ultimately, we are in the business of helping end users achieve their goals. Having an in-depth understanding of their business through teaming with fellow market-savvy companies like Next Level is how we deliver real solutions, real innovation, real value."
Throughout the conference, Next Level will demonstrate its advanced IP-based security devices alongside products from its esteemed industry partners including Arecont Vision, ASSA ABLOY, Axis Communications, Bosch Security Systems, EMC, HID Global, Hikvision, IQinVision, Mercury Security, Panasonic, Pelco and Vivotek.
About Next Level Security Systems
Next Level Security Systems is a physical security company delivering a new breed of unified networked security technologies. The NLSS Gateway, Next Level's flagship product, is an award-winning, IP-based security management platform that integrates video management, access control, video analytics and remote management into a single appliance. It is successfully used in the retail, commercial, education, transportation and government markets. All of Next Level's products, sold through distribution worldwide, combine the performance, sophistication and functionality of enterprise-class security systems into a compact, unified and affordable solution. For more information, visit http://www.nlss.com .
SOURCE: Next Level Security Systems
Next Level Security Systems
Sales contact:
sales@nlss.com
(760) 444-1410
Media contact:
Rhianna Daniels
O: (847) 986-6141
M: (603) 591-7209
rdaniels@compasspublicrelations.com
Friday, 24 June 2011
Logans Horse Insurance
Logan Livestock Insurance Agency Pty Ltd is an independent insurance broker specialising in Livestock Insurance. We are a family-owned company which has been arranging insurance and negotiating claim payments for a wide selection of clients for over 40 years.
Logans are foundation members of the National Insurance Brokers Association of Australia and are registered under the Australian Financial Services Licence Number 238959. Bob Logan commenced in insurance in the early 1960's and together with his wife Lorraine Logan they founded Logan Livestock Insurance Agency in 1969, it is now recognised around the world as a leader in the specialist livestock insurance market. Their son, Richard Logan joined the company in 1984 and is a fellow of the Australia & New Zealand Institute of Insurance and Finance and the National Insurance Brokers Association of Australia. Richard is now the Managing Director of Logans with over 25 years experience in Livestock Insurance.
Quality, practicality, experience and teamwork are of paramount importance in today's highly competitive market. This criteria, plus 24-hour personal service, forms the basis of the philosophy we offer our clients.
Logans have developed a unique market strength in the horse industry and are respected around the world for our knowledge and expertise in this area. Our clients look for hands-on experience, easy contact, support in difficult situations, an understanding of the risks they face and the most efficient way to manage those risks. As a consequence Logans take great care in understanding our client's requirements and working with them to develop a policy that suits their needs. We take great pride in supporting clients when they have claims.
At Logans you can deal with the well respected principals or the dedicated and experienced staff who specialise in livestock insurance. Livestock insurance is all we do.
http://www.logans.com.au/about-us.php
Logans - The Horse Insurance Specialists
Logan Livestock Insurance Agency Pty Ltd (Logans) is one of the world's leading specialist Livestock & Equine Insurance Brokers. We are recognised for our expertise and experience. As specialists with over 40 years experience we have won a hard-earned reputation for being helpful, professional and competitive. As a family company Logans are dedicated to service and understanding our clients' needs. This website provides information on our company and its products. It also allows instant access to some commonly used forms, newsletters and articles on livestock, horse and racehorse insurance.
You can contact Logans by completing the online contact form, by telephone, fax or by email. Phone: 02- 9909 1499
Fax: 02- 9909 8057
International: 61-2-9909 1499
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