Financial Blog

The Unveils the Most Important Loan Basics

This press release was orginally distributed by ReleaseWire

Los Angeles, CA -- (ReleaseWire) -- 04/20/2015 -- Specialists who work for the company are sure that, regardless of the debt size and reason, there are numerous ways to pay it off without any serious discomfort and hassle associated with the whole process. Their online service is accessible round-the-clock to help their clients learn more about the most convenient and quick debt consolidation options so that they could enjoy their debt-free reality.

The provides useful information and recommendations that concern different types of loans, including mortgages, home, personal and payday loans. They also focus on insurance basics, debt cancellation procedure, bad credit loans and student loans. For those who search information about the biggest banks and loan services they offer, the website provides online video guides and detailed reviews related to this topic as well. This is what they underline: Getting a loan is not a failure sign. Thousands of people who have a steady income sign up for loans every day, because this is an option that helps them invest into a prosperous future. Irrespective of their current financial status, they have to be ready to realize all the risks they may face. Making them aware of different types of debts and ways of their repayment is the main objective of our online service.

For more information about the services provided by the company, please, visit their website

The is a reputable US service that is eager to provide important information, which concerns different types of loans, insurance basics and debt repayment options. They believe that their recommendations and online video guides will help their clients choose the best option that meets their current needs. The website is accessible day and night so that each client could get any information he/she needs on time.

Contact Details:
Company: The Basicfinancialtips
Address: 11766 Wilshire Boulevard, Suite 1170
Los Angeles, California (CA) 90025, USA
Tel: 310-584-7702
Fax: 310-442-0660
E-mail: This email address is being protected from spambots. You need JavaScript enabled to view it.

For more information on this press release visit:

No Medical Exam Life Insurance Basics Explained By Professional Brokers!

PR Web

(PRWEB) April 15, 2015 has released a new blog post explaining the basics of no medical exam life insurance.

No medical exam life insurance is a simple policy most people can purchase. This type of coverage is available to senior citizens too. Even people who have major health problems like diabetes and other terminal diseases can qualify.

However, no medical exam life insurance plans have a simplified application process. Clients can qualify for a policy simply by completing an application process. A policy will be issued in less than 24 hours.

Clients should always compare online life insurance quotes. They can do this by visiting a single website: is an online provider of life, home, health, and auto insurance quotes. This website is unique because it does not simply stick to one kind of insurance provider, but brings the clients the best deals from many different online insurance carriers. In this way, clients have access to offers from multiple carriers all in one place: this website. On this site, customers have access to quotes for insurance plans from various agencies, such as local or nationwide agencies, brand names insurance companies, etc. is owned by Internet Marketing Company.

For more information, please visit .

Read the full story at

Cyber insurance basics: what businesses need to know

The following is a Middle Market* insight authored by Jonathan Reich, a Womble Carlyle attorney in the firms Winston-Salem office.

Why is cyber insurance important?

Almost every week another business is in the headlines for the latest data breach or cyber security attack. The Washington Post reported that more than 3,000 American businesses have been hacked, many of them small and midsized firms. At the other extreme of the scale, Fortune 50 retailer Home Depot recently announced that it has incurred $33 million of pretax expenses related to its 2014 data breach, which includes liabilities to the payment card network for credit card fraud and the cost of reissuing cards, government investigation costs, and current and predicted future litigation costs.

The breadth, scope, and frequency of these attacks on American businesses have become so great that President Obama recently convened the first White House Summit on Cybersecurity and Consumer Protection and signed an executive order which encourages private businesses and insurance companies to share cyber security threat information with the federal government in an effort to increase national data security.

Business leaders and corporate boards can no longer ignore the very real possibility of unauthorized access and dissemination of confidential customer information. This could be financial data, it could be sensitive health information, or it could be confidential trade or industry secrets. Through no fault of a company, it can become a victim of malicious software or a coordinated attack by international hackers who seek to sell the information gained or hold the information for ransom.

Cyber insurance programs are necessary for small, mid-size, and large businesses to help them manage the risks from data breaches. Simply put, cyber insurance can provide a business with protection in the event of a cyber attack. Cyber is also the most rapidly growing area of insurance in America: Betterly Risk Consultants reported that in 2010, American cyber premiums totaled only $600,000, but were expected to be $2 billion for 2014. Currently, there are at least four dozen insurance companies offering cyber insurance on the commercial market. Cyber insurance is available as both first party and third party insurance, and can be written on a primary or excess basis. Lloyds of London, with its ability to form syndicates, has emerged as a leading provider of cyber insurance. Cyber coverage can also be provided or supplemented by a companys own captive insurance company.

What coverage is available?

One of the first things a company should know is that a standard Commercial General Liability policy typically does not cover cyber losses, especially the more recent CGL policies which expressly exclude such losses. Thus, cyber coverage has to be procured separately.

Cyber coverage can be written as first party coverage, third party coverage, or both. You can think about first party cyber coverage as being akin to property insurance. First party coverage protects a businesss own data, or provides reimbursement to the business for harm to itself. Third party coverage, on the other hand, is a liability insurance policy which protects the business from liability from another source (typically, a lawsuit brought by clients, business partners, or regulatory bodies).

First party coverage can typically include coverage for restoring lost data; reimbursement for the destruction, theft or fraud of a policyholders data; reimbursement of legal or consultant fees for a forensic investigation of how the cyber attack occurred; and extortion coverage which (similar to a kidnapping policy) can pay a ransom to a hacker in return for the non-disclosure of confidential information.

Third party coverage includes defending and indemnifying the business against civil lawsuits, settlements, or regulatory penalties resulting from a data breach. Third party coverage can also include public relations expense; the cost of notifying business counterparts, employees, and customers; and the cost of ongoing credit monitoring for customers.

What issues should be considered?

Although there are many insurance companies in the market providing cyber insurance, and there are many coverages available, not every cyber policy provides all these types of coverages. Policies range from narrow privacy and network security policies, to incredibly broad policies. Buyers of cyber insurance need to know (1) what their risks and vulnerabilities are and (2) what policies are offered that will actually insure those risks.

For example, a retailer or restaurant which handles large amounts of credit, debit, and pre-paid card transactions must comply with the data security standards of the payment card industry (PCI) or risk fines for non-compliance. However, most cyber liability policies exclude fines unless the fines are government-imposed regulatory fines and penalties. Because the credit card industry holds merchants responsible for data breaches as a matter of contract law and not as a matter of government regulation a PCI endorsement or a rider should be purchased separately or added to the package of policies which the retailer or restaurant has.

Another example of the evolving market is that, for many years, there were no commercially available cyber policies which covered a physical loss as a result of a data breach. In the event that a companys industrial controls are infiltrated as happened at a German steel mill which could not shut down its blast furnace before massive damage occurred - large physical losses can occur. The damage to industrial controls and machine tools, if it is the result of a traditional cause of loss, would usually be covered under a traditional first-party property insurance policy. However, the property insurance policy that a business already has may not cover physical loss from the infiltration of the companys automated machine tools.

As cyber risk broadens beyond just the theft of data, and moves towards the commandeering of industrial systems, the importance of cyber coverage for physical loss will only grow. To confront these issues, insurer AIG began offering a cyber policy which provided coverage for physical loss in 2014. It is marketed as CyberEdge. Other insurers are now offering cyber insurance which provides coverage for a physical loss as well.

Just as there is no standard form for cyber insurance, there is also little standardization in the market regarding premium ranges. Because of the nature of cyber attacks the low frequency and high severity of risks the insurance industry is still attempting to better understand and quantify the risks it is accepting. Reported premiums vary widely between insurance companies and industries: from as low as $2,000 to as high as $50,000 for $1 million in coverage. In other words, it pays to shop around for cyber insurance policies, and to be informed as to what exactly is covered and excluded. Companies that have purchased cyber insurance are purchasing as little as $500,000 in coverage or building towers of insurance of $250 million or more. Home Depot has confirmed that it has least $105 million in total cyber insurance available.

How we can help.

Businesses (and boards of directors) who have already purchased cyber insurance should continually seek information from outside insurance counsel and specialist insurance brokers regarding cyber coverage and trends in the market. Insurance counsel can review existing policies to determine what coverage has already been obtained, or where gaps in coverage may exist. Counsel can also assist the board of directors in understanding the potential cyber liabilities, and whether there are insurance solutions available.

Sun, May 17 – 1:30 pm (Boone Fork Parking Lot)

1) Grandfather Mountain April Programs 

Spring Wildflower Walks: 2015

Wed, April 1 2:00 pm (Park office)

Fri, April 3 5:00 pm (Park office)

Sun, April 5 3:00 pm (Park office)

Sun, April 12 3:00 pm (Park office)

Fri, April 24 5:30 pm (Profile Trailhead)

Sat, April 25 1:30 pm (Boone Fork parking Lot)  Celebrate EARTH DAY!

Sun, April 26 3:00 pm (Boone Fork Parking Lot)

Sat, May 2 10:00 am (Boone Fork Parking Lot)

Tue, May 5 5:00 pm (Profile Trailhead)

Sat, May 9 3:00 pm (Boone Fork Parking Lot)

Fri, May 15 6:30 pm (Profile Trailhead)

Sun, May 17 1:30 pm (Boone Fork Parking Lot)

The High Country produces spectacular spring wildflowers. Join a park ranger in weekly explorations to see what new spring flowers have emerged.  Hikes are conducted at a slow pace on moderately strenuous trails and last 2 ½ hours. Wear sturdy hiking boots. Bring a jacket, water and snacks. All ages welcome: participants under 16 must be accompanied by an adult. No pets, please. Call the park office if you have questions: 828.963.9522 or email This email address is being protected from spambots. You need JavaScript enabled to view it..

- The Profile Trail is located on Highway 105 South; ¼ mile north of the Highway 184 intersection.

- Boone Fork Parking Lot is located on the Blue Ridge Parkway; just north of mile marker 300.

- The Park Office is located at 9872 Highway 105 S, Banner Elk, NC 28604.

How Native Americans use White Tailed Deer

Sat, April 4, 2015

3:00 pm-4:00p.m.  |  Location:  Park Office 9872 Hwy 105 S, Banner Elk, NC

* Appropriate for ages 12 and up; children under 16 must be accompanied by an adult.

When you think of Deer, you may picture them grazing in fields, being the star of a movie like “Bambi”, or you may think about a hunting trip. Join Ranger Sicard to learn about how Native Americans think of Deer, in particularly the ways they use Deer in their ritualistic lifestyle. For example Native Americans have used parts of the deer to make fishing hooks, anchor spear heads to cane, and make pouches for various things. During this program you will get to see a couple of authentic handmade pieces like the Native Americans would have done and view via PowerPoint the techniques and ways the processes are applied.  For more information please call Andy Sicard at the park office 828-963-9522 or email:This email address is being protected from spambots. You need JavaScript enabled to view it..

Amphibians for Beginners

Sat, April 11, 2015

6:00 pm-7:00 p.m.  |  Location:  Park Office 9872 Hwy 105 S, Banner Elk, NC

* Appropriate for ages 9 and up; children under 16 must be accompanied by an adult.

Celebrate the Year of the Amphibian!   Do you know what it takes to be called an Amphibian, would you like to learn more? Join Ranger Sicard to cover the basics of what an Amphibian is and where you would find them located. During this PowerPoint we will cover the life cycle, habitats, and types of amphibians that can be found in the Grandfather Mountain State Park area and possibly in the areas you live too.  For more information please call Andy Sicard at the park office 828-963-9522 or email: This email address is being protected from spambots. You need JavaScript enabled to view it..

To Build a Fire

Sun, April 19, 2015

2:00 pm-3:00 pm  |  Location:  Lowes Foods parking lot  (Highway 105 at intersection of Highway 184-Banner Elk)

* Appropriate for all ages children under 16 must be accompanied by adult

Fire is one of the cornerstones of human civilization that many of us take for granted in today’s modern lifestyle. Could you build a fire if necessary? Join a Park Ranger at Grandfather Mountain State Park to learn techniques on fire building and emergency fire starting for camping, heating or survival. Participants will learn about fuel sources, alternative fire starters and some of the science behind fire. This program will last approximately one hour. Children must be accompanied by an adult and please leave pets at home.  Please dress appropriately for the weather conditions. For more information, contact Luke Appling at the park office 828-963-9522 or email: This email address is being protected from spambots. You need JavaScript enabled to view it..  We will meet at the left (north) side of the Lowes Foods parking lot.

2) Watauga County Arts Council now accepting applications for Gallery Exhibitions for 2016 and 2017

The Watauga County Arts Council is currently accepting applications from artists who would like to exhibit their work at the Blue Ridge ArtSpace during 2016 and 2017. The deadline for applying for an exhibit is Friday, May 1st .   The application form may be found on the Arts Council’s website at under the Gallery heading.   Application forms must be submitted in writing either in paper copy or via email to This email address is being protected from spambots. You need JavaScript enabled to view it.. Digital examples of the artists work may be submitted via CD or web links.

All visual art mediums will be considered. Exhibitions are one month in length and there is a “Meet the Artist” event on the 2nd Saturday of each month from 5:30 to 7:30 pm which is called the 2nd Saturday Celebration of the Arts.

There are also several “open exhibits” planned during each year as well. Artists do not have to apply prior to May 1st to be included in these exhibits. Each of the open exhibits will have a deadline published along with its prospectus a month or two prior to each exhibit. Upcoming open exhibits for 2015 include:

In May “Udderly Wonderful” (a multimedia exhibition of all things bovine)

In June – “Petal Pushers” (a juried multimedia celebration of anything floral)

In September – 3rd Annual “Portraits of Our Community” (a multimedia salute to whatever “community” means to you!)

In November and December – “Holiday Originals” (a shopping bonanza of holiday themed dÃcor, a variety of gifts, and other wonderful creations by our talented local artist community)

Information and prospectus for these exhibits may be found on the WCAC website at

For all gallery exhibitions, the Arts Council has specific submission requirements:

  • All exhibiting artists must be current members of the Watauga County Arts Council (most recent membership contribution must have been made no more than one year prior to the date their work is hung). If the exhibiting artist is not a current WCAC member, he/she must join the WCAC at the time the work is installed in order to fulfill this requirement.
  • Artists must live in Watauga County or an adjoining county for at least some portion of the year. (Our adjoining counties are Ashe, Avery, Caldwell, and Wilkes in NC, and Johnson County, TN)
  • All two dimensional work must be ready to hang and assistance is available to assist the artist in installing the show.
  • Artists may sell their work during their exhibition. In support of individual artists and with the permission of the artist, the Watauga County Arts Council shall act as the agent for the artist and conduct transactions between buyer(s) and the artist. The WCAC retains a 25% commission on work sold from gallery exhibitions.

Artists are also encouraged to consider submitting their work to be juried into the Gift Shop of the Blue Ridge ArtSpace. Information about the Gift Shop is available at their website as well as at the gift shop itself. Applications for the Gift Shop are accepted quarterly on February 1, May 1, August 1, and November 1.

Artists are also invited to become a demonstrating artist at one of the Arts Council’s 2nd Saturday Celebrations of the Arts. Demonstrating artists simply work on their art in one of the classrooms of the Blue Ridge ArtSpace during the event, which lasts from 5:30-7:30 pm, and answer questions from visiting patrons as needed. They may also sell their work at the event and the WCAC only requires a 10% commission on those sales. Interested artists should contact the WCAC.

To learn more about these and other opportunities for artists, check the WCAC website at, email them at This email address is being protected from spambots. You need JavaScript enabled to view it., call them at 828-264-1789, or simply come by the Blue Ridge ArtSpace at 377 Shadowline Drive in Boone.

3) HandMade in America Announces Annual Appalachian Women Entrepreneurs Conference

On Wednesday, May 13 from 8:15 am-6:30 pm HandMade in America (HIA) will be celebrating Appalachian Women Entrepreneurs (AWE) with their annual conference. This year’s conference focuses on Micro-Business in the 21st Century, as HIA invites women from the AWE program and beyond to commune in collaborative learning, networking, and empowerment.  The conference will be located at the Morris Hellenic Cultural Center, 227 Cumberland Ave, Asheville, NC 28801, next to the Holy Trinity Greek Orthodox Church.

HandMade in America is pleased to welcome Dorothy Clark as this year’s keynote speaker. Clark has over twenty-five years of experience in the field of finance and accounting; furthermore, she is also an accomplished performing artist. Her extensive background as a performer, plus fifteen years in business administration, makes her uniquely qualified to address the business needs of the creative entrepreneur.

Conference Consultants will cover an extensive array of important entrepreneurial topics including; basic legal aspects of small business formation, online marketing strategies, turning your passion into profit, business insurance basics, how to get noticed, the role of the buyer, and small business start-up information.

“This is a very exciting time for small businesses”, says Linda LaBelle, Entrepreneurship Program Manager for HIA, “as the nation continues to recover from a depressed economy, we have learned that we must conduct business in a new way. Flexibility and inventiveness are important keywords. Social Media is the new word-of-mouth, without an internet presence your business may become invisible. And you may be very surprised who your target market actually is. HandMade in America’s AWE program strives to provide its members with the tools they need for their business to succeed in the 21st Century. The AWE Conference is both a day of learning and celebration for these brave women.”

The AWE Conference on Wednesday, May 13 from 8:15 am-6:30 pm will include a light breakfast, keynote talk, lunch, breakout sessions, networking, closing reception, and raffle. Registration for the conference is open to all women entrepreneurs.  However, free priority seating is given to AWE members, HIA members, and to public registrants for a $15 fee.  For AWE membership information or to register contact Linda LaBelle at This email address is being protected from spambots. You need JavaScript enabled to view it.. For more information about the AWE Conference visit

The Appalachian Women Entrepreneurs Program teaches women in rural WNC communities the important business, creative, industry, and access-to-market skills necessary to develop and manage small businesses in today’s difficult economic climate.

4) Books amp; More Sale

Celebrate Spring Books amp; More Sale, Friday, April 17th   9 am-6 pm

Held Indoor amp; outdoors at the Branch Library in Sugar Grove

Featuring new and gently used items, books amp; periodicals on gardening, outdoor living, landscaping, arts amp; crafts. Also available: live ornamental plants amp; bulbs, pots and hand tools, birdhouses, framed artwork, yard amp; home dÃcor amp; more. To donate items or for more information call: 828-297-5515 or297-5195

Sponsored by the Friends of the Branch Library 100% Proceeds benefit the WW Branch Library programs

5) Watauga Humane Society partners with North Shore Animal League America for the world’s largest mobile pet adoption event

Life-Saving Tour Rolls Into Boone With Adoptable Shelter Pets

WHAT:          Watauga Humane Society joins North Shore Animal League America’s 2015 Tour For Life – the world’s largest national cooperative life-saving mobile pet adoption event. Highlighted by adoptable dogs, cats, puppies and kittens in partnership with Blue Ridge Animal Rescue of West Jefferson, Second Chance Dogs of Ashe, Merit Pit Bull Rescue, Avery County Humane Society, Happy Tails Rescue of West Jefferson, andAshe Humane Society. The event will also offer Purina giveaways, pet supply vendors, a low-cost rabies clinic, $25 micro-chipping, and information on the benefits of adopting shelter pets, behavioral education, and special services available to pet owners.

From the beginning of March to mid-May, Tour For Life will travel throughout the United States from North to South and East to West in four “shelters on wheels” Mobile Adoption Units helping shelter and rescue groups in 37 cities and 26 states bring awareness to their organizations and find homes for the adorable adoptable animals in their care.

WHEN:          Saturday, April 4th from 11 am – 4 pm

WHO:             Adoptable dogs, cats, puppies, and kittens

WHERE:       Boone Mall

1180 Blowing Rock Road E6

Boone, NC 28607

Media RSVP to:

Laurie Vierheller

(O) 828-266-9843

This email address is being protected from spambots. You need JavaScript enabled to view it.

About Watauga Humane Society

Watauga Humane Society was incorporated in December of 1969. We are a not-for-profit charitable organization and dedicated to all aspects of animal welfare. The Watauga Humane Society animal shelter is located at 312 Paws Way just off the intersection of Old 421 and Don Hayes Road in Boone, NC. If you have a GPS, you can enter 142 Don Hayes Road and it will bring you straight to us!

The shelter has facilities for the housing and care of homeless dogs, cats, and small animals. We provide food, shelter, medical care and lots of love to the homeless animals at our shelter and we work to find permanent, loving homes for them. In an effort to help control the pet population, we offer low-cost spay/neuter through our partnership with Humane Alliance in Asheville. Learn more at

About North Shore Animal League America

Animal League America has saved more than 1,000,000 lives.  As the world’s largest no-kill rescue and adoption organization, we understand that a rescue isn’t complete until each animal is placed into a loving home.  Our innovative programs provide education to reduce animal cruelty and advance standards in animal welfare.  We reach across the country to rescue animals from overcrowded shelters, unwanted litters, puppy mills, natural disasters and other emergencies and find them permanent, loving homes.

6) CCCamp;TI Announces Summer and Fall Semester Registration for New Students

Caldwell Community College and Technical Institute will begin registering new students for the Summer 2015 and Fall 2015 semesters on April 9 on both the Caldwell and Watauga Campuses. Summer classes begin on Monday, May 18.

Final Registration for Fall 2015 Semester will be held Wednesday, Aug. 12. Fall classes begin on Monday, Aug. 17.

A variety of financial aid options are available for students who qualify.

In addition to classes for adult students, CCCamp;TI also offers opportunities for Caldwell and Watauga county high school students to earn free college credit through the Career and College Promise program. CCCamp;TI offers pathways in business, engineering and math.

For more information on how to apply or register for classes at CCCamp;TI, contact Student Services at 828-726-2700 on the Caldwell Campus and 828-297-3811 on the Watauga Campus.

7) Beech to Beach kick off of 500 mile cycling fundraiser 

A fundraising 500-mile bike ride on April 4th at Noon from Beech to Beach- from the highest town east of the Mississippi, Beech Mountain, to the Cape Hatteras Lighthouse.  It is to benefit KAMPN for Autism, a non-profit group operating a camp for children with autism near Deep Gap, NC.  The fundraising effort will support the organization’s newest initiative, a program called Living Innovations for Exceptional (LIFE). LIFE is a residential and community living village that gives adults with ASD a safe place to grow and learn throughout adulthood, and is expected to open within the next three to five years.

Please see attached flyer and share with your friend.  We hope you will join us in sending them off on their 500 mile journey from Beech to Beach!



8) Avery Humane Society Birthday Bash

Please join us for the Avery County Humane Society Birthday Bash, celebrating three years in the new shelter!

April 18, 2015

10 am-3 pm

Come out and join the fun!

Border Collie and Sheep herding expedition, Silent Auction, Lemonade Stand, Food, Games, Wine Raffle, Pet Photo Contest, T-shirt Tie Dying, Entertainment, Low Cost Shot Clinic, sponsored by Linville Animal Hospital, Kaye’s Kitchen and much much more.

Find a furry friend to take home and love or volunteer some of your time to the shelter!

For more information:

Avery County Humane Society

279 New Vale Rd.

Newland, NC 28657


9) New exhibition opens this weekend at BRAHM

The ducks have migrated west! Bringing treasures from the coast to the mountains of North Carolina, this prestigious collection of duck decoys explores the careful craftsmanship involved in creating these beautiful sculptures, allowing them to stand alone as highly appreciated works of art.

Bruce Barclay Cameron was a collector, sportsman, and philanthropist, and by the 1970s, Cameron was collecting duck decoys from all across the country He learned all about the careful craft involved in making one of these sculptures, from the nuances of the paint quality and form to the spirit of the bird itself. Within just a few decades, Cameron had amassed a grand collection of over three-hundred decoy sculptures, sixty-one of which are on display at BRAHM this summer.

Artisans included are A. Elmer Crowell from Cape Cod, MA; Joseph Lincoln from Accord, MA; Hucks Caines from Georgetown, SC; the Ward Brothers, Lemuel and Stephen, from Crisfield, MD; Mitchell Fulcher of Stacy, NC; and Ned Burgess of Duck, NC. Moonlight Film’s Spirit of the Bird, directed by James Spione, will be playing on loop in the gallery, and explores how this uniquely American folk tradition has evolved over the centuries.

The exhibition is organized by our friends at the Cameron Art Museum in Wilmington, NC.

A reception for these exhibitions, along with 1923: The Blowing Rock Fire, will be held on Saturday, May 9th from 5:30 7 pm, and all members of the public are invited to attend.

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