Performance Bonds #surety, #bonds, #management, #performance, #retention, #advance, #payment, #capital


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Performance Bonds

Performance Bonds are Contract Guarantee Bonds, in which the guarantor undertakes to pay damages to a third party if there is a breach by his contractor. Performance Bonds issued by Surety companies are used to reassure Employers that the contractor will ‘perform’ in accordance with the Contract.

The ability to provide a Performance Bond from a Surety evidences to the beneficiary that the contractor has a strong financial covenant, enabling the contractor to win new contracts.

It is typically for 10% of the Contract Sum, to cover losses incurred by the beneficiary following a breach of contract, including contractor Insolvency, by the contractor.

They are typically required by contractors operating in the following industry sectors:

  • Construction
  • Property Development
  • Support Services
  • Facilities Management

Information required for a quote

Whilst no means exhaustive, here are the main items you will need

  • Bond application form, specific to the Bond required
  • Bank information form and facility details
  • Bond wording
  • Budget & forecast accounts
  • Current order book and pipeline
  • Last filed full report & accounts
  • Management accounts and supporting balance sheet

Wording check information requirements

  • Duration of works
  • Bond release event
  • Contract type
  • Contract amount
  • Beneficiary
  • Location of works
  • Bond amount
  • Proposed bond wording

Get in touch

As a Specialist Surety Services Provider, DRS specialise in the arrangement of Performance Bonds. We have an approved list of investment grade sureties (typically “A-” Standard & Poor’s or higher) to meet the requirements of Bond beneficiaries.

Please contact us


01/10/2017

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Advantages Of Using Structured Settlement Brokers #structured #settlement, #sell #annuity, #selling


A Look at the Advantages to Using Structured Settlement Brokers

Selling your structured settlement gives you access to a lump sum of cash immediately. This can be enormously beneficial, particularly if you are facing serious financial difficulties. Whether you’ve lost your job, have mounting medical bills or need to get your creditors off your back, that lump sum can be essential. However, you should never attempt to sell your payments on your own – you need to work with an expert. Using structured settlement brokers offers a number of essential advantages.

Help Choosing the Right Path

You’ll find that not all structured settlement offers are the same. Some companies might only want to buy part of your payments. Other companies might charge you a steep percentage of your total amount, leaving you with less money than you should have. Still other companies might not have a particularly good reputation. Working with structured settlement brokers ensures that you have help choosing the offers that best match your specific situation and financial needs.

Get Your Offers Fast

Another advantage to working with structured settlement brokers lies in the speed you’ll have in getting offers. If you’re attempting to do this on your own, it can take a very long time just to find reputable buyers, much less start receiving offers for your settlement. When you work with a quality broker, you can start receiving offers almost immediately. This increased speed is highly beneficial for anyone struggling with a less than ideal financial situation. Obviously, the sooner you can get offers, the sooner you can begin the process and receive the cash you need.

Protect Your Interests

There are many different companies that buy structured settlements, and not all of them are ideal for your needs. Some are less than reputable, while others might not offer the terms you need. Working with structured settlement brokers ensures that you are able to protect your interests and find a buyer who is not only reputable, but also dedicated to protecting your best interests.

Working with reputable brokers will help ensure that not only do you have access to the widest pool of qualified buyers, but that you have the information and help necessary to navigate the sales process. Selling structured settlement payments is not a simple process, no matter how tantalizing those late night commercials make it look. You need expert help to get through the process and a broker can offer exactly that.


26/09/2017

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Advanced Water Products – Services designs, installs, and services water treatment


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Advanced Water is owned by Environmental Technical Group, Inc. (ETG), a full-service environmental consulting
and training organization. ETG specializes in Health Safety Training and Environmental Inspection Services
(asbestos. Phase I) for commercial, institutional, and residential clients.

Advanced Water has been solving water problems in homes, businesses, and municipalities since 1977. Unlike
most water companies who are more sales organizations than service providers, Advanced Water is owned, staffed,
and supported by an experienced team of experts who care about you and the water problems affecting you and
your family.

Based in Central New York. we service Onondaga, Madison, Oneida, Cayuga, Oswego, Jefferson, Wayne Counties
and beyond efficiently from our Syracuse headquarters. Our Homer, NY branch office services Cortland, Tompkins,
Broome, and Chenango Counties. Supported product sales are available to customers nationwide.

Advanced Water designs custom systems to eliminate simple to severe water problems including hardness, iron,
sulfur, bacteria, sediment, odor, color, chlorine and trihalomethanes, organic compounds, tannins, colloidal clay,
lead, mercury, stained fixtures, and others. We use proven components and sensible designs carefully selected to
give our customers what they are looking for: Good Water!

Our residential and commercial products and systems include: softeners – including state-of-the-art self-sanitizing
systems; reverse osmosis (RO) units – both point-of-use and whole-house; carbon filtration systems; chlorination
systems; filters; ultraviolet (UV) sterilizers; and more.

Whether you have a problem with e-coli or coliform bacteria, hard water, rotten-egg odor, brown or red water, lead,
rust, cloudiness, corroded or crusty fixtures, stained fixtures or dishes, or a multitude of other water problems – we
can help. We can test for many problems right on the spot – for free. Some tests require a laboratory – we can
provide bottles, instructions, and guidance in choosing the correct tests for your particular needs.

Advanced Water supports it’s products and systems with service. Whether it’s routine or emergency, our technicians
and trucks are on call when you need them. For annual system checks. parts, filters, lamps, upgrades, and any
other service need on an Advanced Water system and many other brands, we’re just a phone call away.

Advanced Water also performs Septic Dye testing and Well Flow testing for real estate transactions.

Advanced Water
995A North Avenue
Syracuse, NY 13206
(315) 451-2233 phone
(315) 458-0526 FAX
For more information click here
For Directions to Advanced Water click here

Copyright 2005-2013 Environmental Technical Group, Inc.
www.etgonline.com


25/09/2017

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Small Business Loans #business #advance #loans


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Small Business Loans

A small business loan is simply money you borrow to help pay for what your business needs. Use our small business loan to pay for virtually anything you need for your business, including:

  • Equipment financing
  • Location expansion
  • Hiring new employees
  • Marketing campaigns
  • Upgrading technology
  • Debt consolidation
  • Additional inventory

Check out this 78-second video to get the low-down on all of your burning small business loan questions:

Types of Small Business Loans

When you re browsing for small business loans, here are some of the types you ll likely run into:

  • Working-capital loans give small businesses the ability to keep operations going while they increase their revenue streams.
  • Equipment loans provide financing for office equipment, tools, computers and mobile devices, machinery and vehicles necessary for running your business.
  • Professional practice loans help service providers in industries such as legal, accounting, insurance, health care and others to purchase real estate, renovate office space or refinance debt.

Benefits of our Small Business Loan

RapidAdvance is the partner you can count on to help grow your business – the way you want.

Our team of dedicated business advisors (yes, they’re real people!) will work with you to figure out your goals before recommending a funding solution that’s tailored to your needs.

Apply online in minutes, get approved in a few hours and access funds in as fast as one day!

Higher Approval Rates

Approval for funding is based on the overall health of your business, not just FICO score.

Daily scheduled payments mean no large lump sums are waiting for you at the end of the month.

We offer terms up to 18 months and business funding amounts ranging from $5,000 to $1,000,000 so you can unlock your success.

How to Prepare Before You Apply

When you know you need business funding, you can prepare before you apply for a small business loan by asking three questions:

  1. What are you going to fund with the money?
  2. How much do you need to accomplish that goal?
  3. How long will you take to pay it back?

After you know these answers, it ll be easier for you to complete the loan application processes.

Small Business Loan Requirements

Even if you ve only been around for a little while, you may still qualify for a small business loan.

Here are the two main requirements we look at:

  • You ve been in business for two years or longer.
  • Your monthly revenue is $5,000 or greater.

Credit score not so great? Don t worry about it! Sure, we look at it, but it s not the only thing we consider.

Ready to Apply?

We ll need a few pieces of information to get started processing your application, so have these documents handy:

  1. Government-issued photo ID
  2. Voided check from your business checking account
  3. Last three statements from your business bank account

We make it easy to apply for the money you need. Just click to get started online or give us a call at 800-631-3370. After that, you ll know in just a few hours if you re approved and be able to access the funds in as little as one day.

Looking for other types of loans?

If our Small Business Loan isn’t what you’re looking for, be sure to check out the other funding solutions we offer, including our Merchant Cash Advance. Line of Credit or SBA Bridge Loan.

We’ll help you do great things


21/09/2017

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The School of Positive Psychology (Singapore) Diploma in Applied Positive Psychology


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Diploma in Applied Positive Psychology

Why do people behave in certain ways? What is going on in everyone’s mind? Why are some people happier than others? What influences our thoughts, feelings, and behaviours? Am I the same person when I’m alone or in a group?

The course introduces students to the study of the human mind and behaviour in individuals and groups. Students will consider how aspects of their biology, ways of thinking, social environment, relationships and social identity combine to make us who we are. The course introduces the student to a wide range of psychological approaches and looks into areas such as learning, memory, emotions, and identity. Apart from learning the psychological theories, students will be taught the practical side by being exposed to the field of counseling and psychotherapy.

The course explores the development and applications of positive psychology as a paradigm shift in the field of psychology. Positive psychology emphasizes on subjective human experiences such as happiness and well-being, positive personality traits and their influence in the group and community.

This program will give students a head start in pursuing further studies and by adding to their existing qualifications and experience by being able to apply psychological, counselling and positive psychology principles to individual, social and organizational matters.

Course Modules

  1. Foundation Psychology
  2. Introduction to Positive Psychology
  3. Developmental Psychology
  4. Introduction to Psychotherapy and Counselling
  5. Social Psychology
  6. Positive Emotions and Thoughts
  7. Positive Reframing Workshop
  8. Resilience Workshop

Course Duration

12 months, part time (Intakes in Jan, Apr, Jul, Oct)

Entry Requirement

  • Diploma holder from Polytechnic or recognised PEI, or
  • 2 GCE ‘A’ Level H2 passes with either KI or GP, or
  • Certificate in Psychology and/or Counselling from TSPP or other recognised PEI, or
  • Mature students with minimum 2 years working experience holding either:
    • 5 GCE ‘O’ Level credits with minimum C6 grade in English or equivalent
    • ITE Higher NITEC

Course Fee

Course Assessment

Assignments, role-plays, presentations, discussions, examination


12/09/2017

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Booking Flights In Advance: Do You Really Save Money? #cheap #flights

#book airline flights
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Booking Flights In Advance:

Page 1 of 2

For many years, nerds the world over have been trying to dig up trends in airline pricing data. Of course, airline companies, being smart behemoths with lots of money, have their own herds of nerds who spend their time figuring out how to maximize revenues through ticket pricing strategies. Unfortunately for us, this statistical nerd battle means that the trends that can be extrapolated are few and far between, as the airlines deliberately avoid certain trends so they can sell the most tickets for the maximum price. The doubt that exists as to whether you ll get a cheaper ticket is partly engineered to encourage you to buy as soon as you know you want to make a trip (pantomime hissing and booing is appropriate at this stage).

Recent research has revealed more about the pricing strategies of the airlines, most of which change their ticket prices a number of times a day. It becomes apparent that a change in ticket-hunting strategy is, therefore, also necessary (and that those blog posts on booking at midnight are rubbish). Here s your guide to when it usually is cheaper to book in advance, and when it most certainly isn t.

when it s cheaper

Midweek, out of season

The clich is true midweek flights are cheaper. A trip from Chicago to New York is presently 15% to 20% more expensive on days other than Tuesdays or Wednesdays. If you re flying high season, it might be worth booking in advance just to be able to get a midweek ticket, but also because the prices go up as demand goes up and planes get full.

Two months before the flight

There is no conclusive evidence that flights are cheaper if you book ages in advance. In fact, it s often not the case. But in a study of 12 months worth of data on the two busiest routes in the United States (Chicago-New York and Houston-Dallas) comparing the economy class pricing of six different airlines produced the cheapest prices two months before the flight. From here on, the prices started rising. In a paper for the Social Sciences Research Network, Professor Volodymir Bilotkach and others made the same finding for the international route from New York to London.





31/08/2017

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Travel Deal – Plan in Advance #best #cheap #vacations

#travel discounts
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Join AAA and Save on Travel with Membership Discounts

Want to take a vacation, but need to stay within your budget? With a little planning, and the help of your local AAA Travel agent, you can find discount travel deals to fit your schedule, budget, and personal preferences. When you book discount travel through AAA, you’ll receive:

  • Specially negotiated AAA member hotel rates with a wide selection of accommodations throughout the U.S. Canada, and Mexico.
  • Discounts and/or gifts with all vacations booked with AAA preferred tour and cruise partners.
  • AAA Show Your Card Save discounts around the world.
  • Car rental discounts. and auto services through partnerships with auto clubs around the world.
  • A choice of worldwide destinations that fit your interests and your budget
  • Relevant, reliable information that will help you better understand your travel destination.
  • Full-service arrangements that will accommodate any border crossings, international stopovers, transportation, lodging, and more.
  • Advice on currency, transportation, and other related information.
  • AAA credit card or travel money cards to ensure that the money you bring with you can be replaced if lost or stolen.

AAA’s partners with many of the world’s finest retail and travel vendors and carriers in the industry, helps you find the best travel deal possible.

To learn more about member savings on travel through AAA at your regional AAA website, click “GO.”

For answers to zipcode entry problems, click here. Please direct any questions or comments concerning this site to AAA. For all other inquiries, please enter your zipcode above to access your club site.





19/08/2017

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How Far in Advance Should I Buy My Airline Tickets? #flight

#buy airline tickets
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How Far in Advance Should I Buy My Airline Tickets?

Question by Mark Hastings, San Jose, Calif.

A: When to book flights is a question that torments even the most experienced of travelers. Who hasn’t sat in front of the computer wondering: Do I wait for a better deal, or is this the best I’m going to see?

There are no hard-and-fast rules for hitting the right booking window. A recent report from online travel agency CheapAir found that, historically, the lowest average fares have been available seven weeks before departure. Airlines Reporting Corporation (ARC), which manages airline ticket sales for U.S. travel agencies, conducted a similar study and located the best airfares six weeks prior to flying. But that window changes dramatically depending on where you are traveling—and when.

Domestic Tickets

“There’s such a thing as booking too early,” says Rick Seaney, CEO and cofounder of online research tool FareCompare. “Airlines don’t really begin managing their domestic flights until about three months in advance—that’s when they start releasing the more affordable seats.” The sweet spot, he says, lies between three months and six weeks in advance. Recent data from Kayak supports this. The airfare aggregator looked at a year’s worth of searches and found that six months before departure, domestic ticket prices were about 20 percent higher than the lowest fares. They started dropping three months out and hit a low three to seven weeks before departure. Whatever you do, don’t wait until the last week, when prices shoot up—by about 25 percent, according to Kayak.

Far-Flung Flights

For long-haul tickets, start your search early. Kayak’s data located the best average fares for Asian flights a full nine to ten months out; they drop again (though not as low) between three and four month in advance. For South American tickets, the ideal booking window was around six months before departure. For African trips, the site found that prices started to fall about three months out. Interestingly, they didn’t bottom out until about five weeks before departure. Of course, these are all average prices. If you’re hoping to catch a fare sale to a farther-flung destination, focus your search between five and two months out, when they usually appear, Seaney says. The best plan for long-haul shopping: search for fares early to get a general sense of prices and sign up for a fare-watching service—Airfarewatchdog, CheapAir, and FareCompare all have good ones. You’ll know to book when the right price comes along.

Summer Trips to Europe

You’ll have to plan in advance to get the best tickets to Europe. When ARC crunched the numbers for travel between Memorial Day and Labor Day last year, it found the lowest average fares to Europe a full 31 weeks before departure. Seaney recommends beginning your search around four to five months out. (That means now.) And don’t get caught in magical thinking: sales on summer airfare to Europe are rare. According to Jeff Klee, CEO and cofounder of CheapAir, they usually occur when there’s an increase in capacity (i.e. new flights or routes). But if you can’t be flexible about your dates or destination, you likely won’t be able to take advantage of these deals. If you do have some flexibility, the booking window decreases and the fares drop for travel in the spring or fall—outside of the school holidays.

Winter Caribbean and Ski Getaways

There’s no use waiting for fare sales here. High demand and limited airlift mean that prices for winter flights to Caribbean islands and smaller ski-country airports usually don’t fluctuate much—and rise dramatically fairly early. Looking at last winter’s economy-class fares from the United States to the Caribbean islands, ARC found the lowest average fares 21 weeks before departure. That jibes with Seaney’s advice to book both Caribbean and ski getaways about four to five months before your trip. The exceptions: flights to Denver, Salt Lake City, and other large airports serving ski destinations. You’ll have extra time to book because the airports have more capacity.

Holiday Travel

The earlier the better, once again. Last year, analysts with CheapAir tracked domestic airfares for more than 11,000 markets for Thanksgiving, Christmas, and New Year’s travel. Notably, for all three holidays average ticket prices hit a low in early June. They fluctuated throughout the rest of the summer and early fall, but by the end of September they were steadily rising. Not everyone can plan a winter holiday in June, of course. But if you’re considering going from somewhere cold to somewhere warm, Klee advises getting the tickets as soon as possible. A similar principle is at work for spring-break travel. Tickets to Florida and other popular warm-weather destinations start rising early—and tend not to vary. Seaney recommends planning these trips five months in advance. “Airlines are really good at knowing when an airport’s local school districts are on spring break, and will adjust airfares accordingly,” he cautions.

Of course, all of these booking windows are estimates and should be taken as guidelines rather than rule of law. As George Hobica, founder of Airfarewatchdog, says: “If there were an established best time to book, airlines would identify it and hike fares accordingly.” Consider yourself warned.

By the Numbers

$1,284 : Lowest average economy-class airfare to Europe last summer, booked 31 weeks in advance.

$589: Lowest average economy-class airfare to the Caribbean last winter, booked 21 weeks in advance.

Source: Airlines Reporting Corporation (ARC)





05/08/2017

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How Far in Advance Should I Buy My Airline Tickets? #travel

#buy airline tickets
#

How Far in Advance Should I Buy My Airline Tickets?

Question by Mark Hastings, San Jose, Calif.

A: When to book flights is a question that torments even the most experienced of travelers. Who hasn’t sat in front of the computer wondering: Do I wait for a better deal, or is this the best I’m going to see?

There are no hard-and-fast rules for hitting the right booking window. A recent report from online travel agency CheapAir found that, historically, the lowest average fares have been available seven weeks before departure. Airlines Reporting Corporation (ARC), which manages airline ticket sales for U.S. travel agencies, conducted a similar study and located the best airfares six weeks prior to flying. But that window changes dramatically depending on where you are traveling—and when.

Domestic Tickets

“There’s such a thing as booking too early,” says Rick Seaney, CEO and cofounder of online research tool FareCompare. “Airlines don’t really begin managing their domestic flights until about three months in advance—that’s when they start releasing the more affordable seats.” The sweet spot, he says, lies between three months and six weeks in advance. Recent data from Kayak supports this. The airfare aggregator looked at a year’s worth of searches and found that six months before departure, domestic ticket prices were about 20 percent higher than the lowest fares. They started dropping three months out and hit a low three to seven weeks before departure. Whatever you do, don’t wait until the last week, when prices shoot up—by about 25 percent, according to Kayak.

Far-Flung Flights

For long-haul tickets, start your search early. Kayak’s data located the best average fares for Asian flights a full nine to ten months out; they drop again (though not as low) between three and four month in advance. For South American tickets, the ideal booking window was around six months before departure. For African trips, the site found that prices started to fall about three months out. Interestingly, they didn’t bottom out until about five weeks before departure. Of course, these are all average prices. If you’re hoping to catch a fare sale to a farther-flung destination, focus your search between five and two months out, when they usually appear, Seaney says. The best plan for long-haul shopping: search for fares early to get a general sense of prices and sign up for a fare-watching service—Airfarewatchdog, CheapAir, and FareCompare all have good ones. You’ll know to book when the right price comes along.

Summer Trips to Europe

You’ll have to plan in advance to get the best tickets to Europe. When ARC crunched the numbers for travel between Memorial Day and Labor Day last year, it found the lowest average fares to Europe a full 31 weeks before departure. Seaney recommends beginning your search around four to five months out. (That means now.) And don’t get caught in magical thinking: sales on summer airfare to Europe are rare. According to Jeff Klee, CEO and cofounder of CheapAir, they usually occur when there’s an increase in capacity (i.e. new flights or routes). But if you can’t be flexible about your dates or destination, you likely won’t be able to take advantage of these deals. If you do have some flexibility, the booking window decreases and the fares drop for travel in the spring or fall—outside of the school holidays.

Winter Caribbean and Ski Getaways

There’s no use waiting for fare sales here. High demand and limited airlift mean that prices for winter flights to Caribbean islands and smaller ski-country airports usually don’t fluctuate much—and rise dramatically fairly early. Looking at last winter’s economy-class fares from the United States to the Caribbean islands, ARC found the lowest average fares 21 weeks before departure. That jibes with Seaney’s advice to book both Caribbean and ski getaways about four to five months before your trip. The exceptions: flights to Denver, Salt Lake City, and other large airports serving ski destinations. You’ll have extra time to book because the airports have more capacity.

Holiday Travel

The earlier the better, once again. Last year, analysts with CheapAir tracked domestic airfares for more than 11,000 markets for Thanksgiving, Christmas, and New Year’s travel. Notably, for all three holidays average ticket prices hit a low in early June. They fluctuated throughout the rest of the summer and early fall, but by the end of September they were steadily rising. Not everyone can plan a winter holiday in June, of course. But if you’re considering going from somewhere cold to somewhere warm, Klee advises getting the tickets as soon as possible. A similar principle is at work for spring-break travel. Tickets to Florida and other popular warm-weather destinations start rising early—and tend not to vary. Seaney recommends planning these trips five months in advance. “Airlines are really good at knowing when an airport’s local school districts are on spring break, and will adjust airfares accordingly,” he cautions.

Of course, all of these booking windows are estimates and should be taken as guidelines rather than rule of law. As George Hobica, founder of Airfarewatchdog, says: “If there were an established best time to book, airlines would identify it and hike fares accordingly.” Consider yourself warned.

By the Numbers

$1,284 : Lowest average economy-class airfare to Europe last summer, booked 31 weeks in advance.

$589: Lowest average economy-class airfare to the Caribbean last winter, booked 21 weeks in advance.

Source: Airlines Reporting Corporation (ARC)





16/06/2017

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How Far In Advance To Book Flights – Business Insider #cheap

#book airline tickets
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Here’s How Far In Advance You Should Book A Flight

The airfare shopping site CheapAir.com  monitored more than 4 million fares in 2013 to answer the age-old question: How far in advance should you book your plane ticket?

For the average domestic flight, booking 54 days in advance will offer the cheapest fare.

But CheapAir’s CEO Jeff Klee told Business Insider that travelers should worry more about a window of time than an exact number of days. When the site studied the cost of a flight everywhere from 320 days to one day before departure, it found the prime window for purchasing a ticket sits between 29 and 104 days before takeoff. 

“You should monitor prices actively in that period to get a sense of the market,” Klee said. “When you see a good fare, grab it that day.”

If the airfare drops even further in that prime window, CheapAir maintains a policy to refund travelers up to $100. He said airlines have designated between 15 and 20 different fares for the same seat on a flight, based on a variety of factors.

“The single biggest factor in a price increase is how full a flight is. You should also consider how many flights travel the route you’re looking for,” Klee added. “People are surprised how little mileage has to do with the calculation of airfare.”

“The worst thing is to book a ticket too late, but the next worst thing is to book too early when multiple routes have yet to be planned, and you have fewer options to fly somewhere,” he said.

At some points in the year, flying from Los Angeles to San Francisco costs more than flying from Los Angeles to London because fewer flights are offered on the first route. The fewer available options to fly to a certain place, the more expensive it will be to take that flight. Also, the fuller a plane gets, the more expensive the seats will become, Klee said.

For international flights, you’ll want to purchase tickets even farther in advance. Travelers going to Africa should book the earliest, at 166 days in advance, while those heading to the South Pacific can book much closer to their departure, at an average of 70 days in advance.

SEE ALSO: Airline Employee Explains How Fares Are Really Decided

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30/05/2017

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