Company Car Or Company Car Allowance – Which Should I Choose

If you have the choice of a Company Car or Company Car Allowance, you should check out how much Company Car Tax (or Benefit In Kind Tax as it is also known) that you would pay if you accept a company vehicle, and then decide whether to go for the Company Car or cash. You could be better off taking the car allowance and leasing a car yourself, even though the allowance is taxable.

The Cash for Car scheme has become increasingly popular with both employers and employees in recent years. Employers save time and money in not having to source, maintain and administer a fleet, although they must always be aware of their Duty of Care and Health & Safety responsibilities. And as an employee, you have more freedom to choose the car you drive, and you could even be better off if you dont spend all of the company car allowance you receive. However, some employers do stipulate the type and age of vehicle that is acceptable, according to the job you are doing.

If you choose to accept a Company Car Allowance, its worth considering Car Leasing vs Buying. Car Leasing (also known as Contract Hire) is simply the hiring of a vehicle for an agreed period of time for a fixed monthly rental. Unlike Short Term Rental or daily rental, a car lease is usually for 2-5 years, after which you can simply hand the car back with no further commitment or, in some case, you may be able to purchase the vehicle if you wish. Car Leasing is a convenient, cost-effective and hassle-free way of financing a new vehicle, and there are many benefits of leasing a car. It enables easy budgeting of your motoring costs, and the fixed monthly payments can even include servicing and maintenance. Also, theres no need to worry about depreciation or disposing of the vehicle at the end of the contract.

Dont forget that if you choose the company car instead of the company car allowance, all your motoring costs (except private fuel) will be taken care of by your employer including insurance, road tax, servicing and repairs. If you choose the company car allowance, you will have to pay for these things yourself.

If you choose a company car allowance and lease a vehicle which you use in the course of your job, youre entitled to claim from your employer a mileage allowance for each business mile travelled. H.M. Revenue & Customs approves certain mileage rates that employees can claim for business travel, and the current rate is 40p per mile. Check the HMRC website for the latest information.

Part way between the company car and a company car allowance is something called Employee Car Ownership. This is where your employer gives you a car allowance, but the company organizes the finance deal and takes care of insurance and running costs. This may also be worth considering if your employer offers such a scheme.

Climate Modification and Volcanoes

Climate modification is a multi-faceted and complex subject. In this article, we take a look at the relationship between climate modification and volcanoes.

Climate Modification and Volcanoes

The climate modification debate is a nasty one. Parties pick their positions, dig in and refuse to listen to the rants of the other side. Lost in the yelling is the simple fact that climate modification is a natural phenomenon to some extent. For proof, we need merely look at the materials kicked out by volcanoes.

It is an undeniable fact of the earth record that volcanoes have changed the climate during certain periods. Small explosions don’t have much impact, but large explosions send massive amounts of material and gases into the atmosphere. The gases include carbon dioxide, the ultimate bugaboo greenhouse gas. Beyond these gases, however, volcanoes can kick out so much debris and ash that the material in the atmosphere can actually block out the sun or reduce the warming effect.

Mount St. Helens is the most studied and well known recent eruption. Unless you have been meditating in a cave for the last 20 years, you know that the volcano exploded on May 18, 1980. The eruption was powerful enough to flatten everything for 17 miles, immediately turning 10 million trees into so much firewood. The huge volcanic ash cloud stretched halfway across the United States, but barely had an impact on global temperatures.

In contrast, the eruption of the El Chichon volcano in 1982 had a measurable climate impact. El Chichon is located in Mexico and was a much smaller eruption than Mount St. Helens. Still, the average temperature around the globe cooled by one degree. What scientist learned is the climate modification impact of volcanoes is highly dependent on the type of explosion. The materials from Mount St. Helens fell out of the atmosphere quickly, while El Chichon belched enormous amounts of sulfur that remained in the atmosphere for much longer.

One of the problems with climate modification is it occurs over a relatively long period of time. Since we started paying attention to the situation, we have not had a chance to see the impact of a major eruption. The stuff we see on television is really small potatoes compared to historically eruptions of note. For example, Mount St. Helens threw roughly a half a cubic mile of material into the air. In 1815, a volcano in Indonesia belched 24 cubic miles of material into the atmosphere. Obviously, one has to imagine it impacted the climate of the earth.

Is there a relationship between climate modification and volcanoes? Undoubtedly. From what we see, however, the relationship is generally of a short duration and not an explanation for the rising temperatures we are seeing currently.

Rick Chapo is with SolarCompanies.com, a directory of solar energy companies. Visit us to read more articles on solar power and global warming and volcanoes.

Qiqqa Entrepreneur Wins 5k

James Jardine from the University of Cambridge in the UK won third prize in the post-graduate category of the Santander University Entrepreneurship Awards.

He scooped 5,000 for his company Qiqqa.com a company that provides free software which helps students and researchers manage information.

The awards aim to support and encourage university students to pursue their business ideas and are open to students from all 58 universities within the Santander programme.

To mark the fifth anniversary of Santander Universities in the UK, Santander chief executive, Ana Botn, announced an additional 1.5m of funding to UK universities, taking its total investment to 7 million during 2012, as well as 100 new mobility grants of 2,500 available to UK students to study abroad.

She also extended the banks support for small businesses with the launch of a new programme to place graduates from the countrys top universities on internships with SMEs across the UK.

The programme to encourage entrepreneurialism amongst graduates is a collaboration between Santander and its university partners and aims to promote the benefits of working for a SME to third-year or recently graduated students, while providing smaller businesses with an injection of talent not always easy to obtain by companies with limited administration resources.

Santander will work with its partner universities to find students and companies who will benefit most from the scheme and will help with placement and administration, including project management, as well as part-funding a basic salary for the students.

Ana Botn said: Youth unemployment and particularly graduate unemployment is one of the most pressing issues for the UK economy. We hope our new programme offering 500 student internships to SMEs can help provide our talented graduate community with the opportunity to gain vital experience in the work place, whilst opening their eyes to the benefits of working for smaller companies.

SMEs have not typically attempted to compete with the graduate recruitment schemes of the big FTSE players and we hope that this initiative will give a wider range of companies the benefit of fresh, young talent.

As the engines of progress and invention, universities have an important role to play in incubating the enterprises of tomorrow. Santander is proud to be supporting and recognising the entrepreneurial skills demonstrated by students through our Entrepreneurship Awards, as well as announcing an additional 1.5 million of funding to support British universities, taking our total investment to 7 million in the UK and 120 million globally, this year.
Photograph:James Jardine receiving his prize from Santander chief executive, Ana Botn

Shop Your Book Online

For booklovers, books are the world, -the best things. Books are the showcase or the insights of a human brain. They tell a lot about the kind of personality, the person reading the book has. As someone said its the beauty of mind which is shown in the kind of books one reads; these truly are a reflection of ones personality.

Books are generally classified as fiction and non fiction. Fictional ones are based on imagination or are simply scripted out stories which are not based on a true life story. On the other hand nonfictional include biographies, health books, design books all those which have something in relation to life or are based on true life story. Others are classified under the categories like architecture, fashion, film and media, natural history, design, photography, performing arts, psychology, investing, stock exchange, yoga, apparels, appliances and so on

Sold in the form of Paperbacks, soft covers, hardbound, books can be either fun based, on serious topics like economy and division of states, or any other kind. For someone who loves to read books, the classification is just not important. However, there are certain people who are very specific in their choice of books, but then exceptions do exist.

Books can be purchased from good online books store like CrossWord. Though you can find a range of books in book stores like this, still, the prices are so high that one, who often purchases a book, hesitates from picking up one. In this case, online book stores are a good option. In an online book store you can easily search through the various sections like kids, art, design, computers, fiction, non fiction etc. and look for the desired book. Often online shopping stores give discounts which can range anywhere from 5% to 80%, depending upon the store, time and occasion. By taking these discounts, sometimes you can buy two or three books instead of the one book you can buy. Secondly, you can get them delivered at their doorstep, which saves a lot of time and of course saves you from rushing down the traffic.

Good Online book stores offer a host of discounts and also a wide range of books to select from. Shopping from these stores not only saves your money but also saves you from rushing down in the traffic. Some of the good online book stores like HomesShop18 offer the best deals when it comes to book shopping. With these online stores you can also order the books to be delivered at your doorstep, making this much easier for you.

So, next time you think of buying a book, log on to the popular online shopping stores and have your books in your hand at the ease of home.

Online Shopping In India The Indian Online Shopping Trend

With the internet boom and technological advancement, the world is all operating online today. India being a chief IT player is stepping ahead keeping at pace with the global standards. Online downloads, browsing and online transactions has taken a leap in the past few years in the country. A prominent instance of the same is marked by the emergence and rise of online shopping in India. Buying gifts and other necessities was a western concept that took some time to seep in to the Indian subcontinent. Previously, Indians only used to opt in for online transaction for goods and services that were unavailable in the country. Today, customers purchase online books and gadgets online that can also be secured from the city malls. This shows a remarkable change in the buying behavior of the audience at large.

One of the reasons why online shopping in India took time to catch up was, the online payment options and the technology used for the same. There were online shopping portals where the third party operations in payment and billing were less stringent. This led to payment complexities and errors that resulted in loss of money. With the development in software and technological applications, the scenario has changed completely. It took time for the customers to let go off their inhibitions and shop at ease. The advent of the cash- on -delivery option however made more and more Indians to shop online.

However, it is seen that online shopping has steadily increased in the northern, southern and western part of the country, namely the metropolises of Delhi, Chennai and Mumbai. The eastern part, however took time to progress. One of the major reasons was that not every online shopping portal had delivery channels in this part of the country. Today, the eastern region is gradually rising up to online buying and other allied transactions.

Websites that cater to online shopping in India have several verticals from where customers can choose. The various domains are retail, electronic goods and gadgets, consumer durables and home appliances, fashion and apparel, beauty and wellness, books and paintings and so on. Lifestyle too is a domain that is progressing fast. There are online shopping websites in India that offers lifestyle goods such as scented candles, aromatherapy kits, spiritual and holistic healing kits, essential oils, incense sticks and many more.

Online shopping in India has allowed several entrepreneurs and dealers too promote their goods across various states and promote their business.

Emerging Trend Of Online Diwali Gifts Shopping

People believe that Diwali brings series of festivals with joy and happiness to everyones lives and as a common trend many people visit their dear ones home weather they are in India or abroad. Diwali is a biggest festival In India and celebrated as a king of festivals because it is not just festival but series of many auspicious festivals starting from Dhanteras, Diwali, New Year and Bhai Dooj.

Every year these festivals bring Indian New Year with blessings from God and elder family members. This is one ancient Hindu tradition. Every year more and more people send Diwali Gifts and other items to India. Diwali is a Hindu tradition of enjoying victory of truth. On Diwali days many people comes back to India just to celebrate Diwali with dear family members.

People visit their relatives home. Many people reside outside India and they generally send Diwali Gifts to India to relatives. Even many are sending Gifts on Diwali to India to share their love and affection. Families who are living in India are sending Diwali wishes and sweets to USA or abroad. Even those who live in India send Diwali Gifts to their family members to wish their love and affection to their family members as it is a best way to show feelings towards someone you love.

People also decorate entrance of their homes with colorful design of Rangoli to welcome their Guest with warms feelings. Almost all Markets and shopping malls get immensely crowded as people visits them to buy Diwali Gifts, house hold items, new cloths and Sweets. For Kids and Teens Diwali is about Gifts, Sweets and fire crackers. Kids love to celebrate Diwali with crackers. They get gifts like Toys, Games, and Sweets from parent and relatives.

Day by day online shopping is becoming preferable option for sending Diwali Gifts to India or USA because it does not requires spending entire days or weeks to buy Gifts items. On Diwali, many shoppers present new and rich Diwali Gifts collection online. This collection includes Diwali Gifts like sweets, appliances, flowers & cakes, Gifts for her & him to name a few. This Diwali enjoy rich experience of gifting someone you love and wish prosperous New Year also.

Is Whole Life Insurance Investment a Worthy Investment

A whole life insurance investment is a relatively simple concept. You will be presented with a product that has a set premium and you will be paid the agreed upon amount of the death benefit at the end of the policy holders life. You will also have an investment component included in the policy. All money you contribute over and above the premium will be placed into a cash value account which is then invested on your behalf by the insurer.

Apart from providing you with cash value account and a guaranteed death benefit to leave to your heirs a whole life investment has some other features as well. You have the option to borrow against the cash value your policy or fully withdraw an amount if you have an emergency need for the funds available during the life of the policy.

The theory behind a whole life policy is that it will pay out set death benefit and a cash value to your beneficiaries all while you are guaranteed a set, unchanging premium for the life of the policy. It does more than this, though, when you consider the fact that all the money is tax free and/or tax deferred.

Because of this tax free feature you will have the ability to make a portfolio that can achieve a number of goals that you otherwise may not be able to. You can actually use the whole life policy to secure a smooth succession in the case of a family owned business or to protect your other assets.

You may be met with derision about your interest in a whole life insurance investment by detractors who say that it isnt a real investment because it isnt run like ones stocks, bonds, and mutual funds. While it may not grow that fast, it has the potential to a much safer long term investment since it is done in a safer manner that is designed to ensure your money keeps growing despite market ups and downs.

A whole life insurance investment policy is generally seen as a “savings asset” as opposed to an “investment asset” because your money is saved and grown in a much less aggressive fashion than regular stocks and bonds. With a whole life insurance policy your additional money will be placed into a savings account where it will accrue interest. You dont have to invest the money within this savings account, but you can do so if you wish to. The savings account on its own, though, will become a huge asset over time.

Online Shopping Best Medium To Send Rakhi Rakhi Gifts All Over The World

Raksha Bandhan’ or ‘Rakhi’ is a special occasion to celebrate this emotional bonding by tying a holy thread around the wrist. This thread, which overflows with sisterly love and sublime sentiments, is rightly called the Rakhi meaning ‘a bond of protection’.

Rakhi 2009 is back again with more enthusiasm and fervor. In India, each and every festival has its own significance and own way of celebration. Rakhi or Raksha Bandhan as it is commonly known stands out as a unique festival of Indian culture.

Rakhi festival is one of the major occasions in India to celebrate the sacred relation between a brother and a sister. The festival is not only tying the rakhi thread on the brother’s wrist but to express their love and affection for each other. It is celebrated worldwide to cherish the unconditionally blessed relationship between brothers and sisters.

With Indians settling all over the world, Internet has proved to be the best medium to send Rakhi and Rakhi gifts all over the word. With Talash.com, you can Send Rakhi to India from abroad. Nowadays, apart from the traditional rakhis, you will also find fancy rakhis, bhaiya bhabhi rakhis and a lot of unique kids rakhis. Major jewelers also bring out various gold Rakhi, silver Rakhi and zardosi Rakhi.

In modern times, we need a more robust and fast way to send Rakhi and gifts to our relatives all over the world. Internet and online shopping has made this possible.

Check out our exclusive range of Rakhi and Rakhi gifts and Send Rakhi Gifts to Secunderabad with just a click

We have Rakhi Gifts for Sisters and brothers. We also have a range of different Rakhis that you can buy and send to your brother with just a click of your mouse. Silver Rakhi, Gold Rakhi, Zardosi Rakhi and Fancy Rakhis are the flavors of the season.

With the advent of technology, we need a more robust and fast way to send Rakhi and gifts to our relatives all over the world. Internet and online shopping has made this possible. Check out our exclusive range and Send Rakhi Gifts to Bhopal with just a click.

Discover the Resources Especially Created for a Woman Entrepreneur

Did you know there is a whole list of resources specifically created for women who want to start their own business? This means there is available help for anyone wanting to open a bakery, clothing store, or even a veterinarian office. Resources can be things such as mentors, women’s business organizations, loans, and grants. These have all been created to help a woman entrepreneur become successful in a sometimes difficult business world.

This means you need to have all of your business plans nailed down, especially before looking for financial help. The loan officer at the bank will want to know how money will be made, materials purchased, and how advertising will take place. They want you to succeed, but at the same time, they won’t loan money to just anyone – male or female.

At the beginning, if you are struggling to get your business off the ground, look for a business mentor who can go over your notes. They can tweak parts and provide suggestions, especially since they have already been in your place. Another suggestion is to apply for loans and grants especially designed to help a woman entrepreneur succeed in the business world.

There are several places where you can apply for loans and grants. One is the Small Business Association, as they often provide help to any business that has considerable potential. This means going through their list of funding opportunities and applying for the appropriate loans. There are also federal grants, specifically created to help a minority-owned company, which includes women. There are also women grants available.

Other options available for a woman entrepreneur is funding through private sector grants and loans or women’s business organizations. Make sure to research which opportunities fit your need the most. Then start making your dreams come true.

Want to know more about woman entrepreneur? Find insight, inspiration, and tips on how to make money doing what you love at this blog: womanzworld.com

What Type Of Entrepreneur Business Opportunity Should You Choose

Choosing an entrepreneur business opportunity is actually a lot harder than it used to be. There are a lot of scams out there, and sometimes you just never know what you are getting yourself into. But by taking care and learning to identify scams, you can avoid making mistakes and having your money stolen.

The good news is that if you do choose the right entrepreneur business opportunity, you could end up making quite a lot of money. For people who are looking to make a little extra money to supplement their full-time income or even to replace it altogether, you will find that there are many options to choose from.

One of the most popular opportunities right now has to do with selling online travel memberships. These memberships provide extremely good travel discounts for people who buy them, and for you, they can provide a very nice income. In addition, if you sign up for the discount program, you will make even more. By saving money on flights, cruises, and high-end resorts, you are actually adding to your income.

An entrepreneur business opportunity should be fun and enjoyable for you, not to mention provide you with some other benefit rather than just an income, and that is what makes a travel membership business the ideal business for many people. You can learn about travel, get discounts on it, and encourage other people (both online and offline) to sign up and get more travel for less money.

As long as you do your research and choose a legitimate business that has a proven track record of paying on time and providing good service to its affiliates, then you will be in a great position to make a good income and be able to create a business that you can one day hand down to your children.