A promissory note is a legally binding document attesting a relationship between a lender and a borrower. It works as a promise to pay the loan amount as well as the interest within a specific period. A promissory note must answer six most important questions, as listed below. Who are the parties involved? The promissory note must mention who is being repaid (lender) and who is repaying (borrower) the loan amount. Check with your state law and confirm which parties need to sign the promissory note. Usually, it is just the borrower. However, it is considered a good practice to have it signed by the lender too. How much money needs to repay? A promissory note must mention the principal amount that is being borrowed as well as the interest percentage that needs to be paid. How is the money going to be repaid? The promissory note must mention clearly as to how the money is going to be repaid to the lender. It needs to state if the money is going to be repaid in installments, in installments with a balloon payment, in a lump sum or on demand. When is the money going to have to be repaid? A specific date for repayment has to be included in the promissory note. The borrower must repay the principal loan amount as well as the interest either on or before the date mentioned in the note. What are the consequences if the money is not paid back? A promissory note can act as an important evidence in the court of law if a borrower defaults a loan. If the lender notarizes the promissory note and chooses to undergo legal proceedings, then the borrower must have to bear the attorney charges as well as any cost related to the proceedings. What other details need to be mentioned? A promissory note may include other vital information such as acceleration, amendment, collateral, governing law, late charges, prepayment and right to transfer.

Insurance helps cover unexpected costs and liabilities that may incur in the future. Investing in a decent insurance policy also protects your assets, be it rental or owned. If you are a business owner and own or rent vehicles that transport goods and consumables, you must invest in commercial vehicle insurance for the following reasons. There are several monetary benefits, some that also save tax in the long run.

Some of them are mentioned below:

Get additional cover
Your regular auto insurance may not cover all costs that arise out of accidents or personal injury involving commercial vehicles. Also, most personal auto insurance policies are not valid for liabilities accrued out of vehicles used for business purposes. This is where commercial truck insurance will provide customized, comprehensive insurance suited to your business needs.

Follow regulations
The law in many states requires business owners to get a commercial vehicle insurance policy. The insurance is mandatory if your business transports goods and hauls heavy-duty equipment. Even if your company provides service from a vehicle, your auto insurance policy will not cover the liabilities. Any business, partnership, or corporation that owns vehicles for commercial use must buy this additional cover.

Customized coverage
One of the main advantages of buying commercial insurance is that you get custom cover for specific damage, repairs, or the replacement of certain parts. The insurance provides for anything necessary to protect your business interest from liabilities that arise out of an unforeseen circumstance. The semi-truck insurance quotes are available at competitive prices and can also be modified seasonally to avoid overpaying insurance.

Employee coverage
Some commercial policies also provide cover for employees who drive the vehicle. If any personal injury or liability arises from an accident or mishap involving the employee, commercial vehicle insurance will provide for these unexpected costs. The policies are also valid for businesses that do not own but rent vehicles for managing logistics.

Beneficial for offsetting costs
Lawsuits can be lengthy, tedious, and create a financial burden on the business. Even though basic auto policies provide cover for lawsuits, commercial vehicle insurance provides double this cover to pay for legal fees, court proceedings, and even damages if the liability falls on the business. More importantly, commercial insurance can be written off as a business expense and is tax-deductible.

One of the many queries that a person has when opting for a medical alert device is whether their medical or health insurance will bear the monthly cost of it. The emergency medical devices have gone through a lot of changes, and so have the insurance policies. When it comes to purchasing Philips medical alert devices, it’s better to know whether such devices fall under insurance coverage or not. Common insurance scenario Despite offering great healthcare solutions and emergency medical call service, many insurances don’t cover the monthly cost of Philips medical alert devices. While individuals with disabilities and senior citizens become eligible for a wide range of medical and health insurance, such as Medicaid or Medicare, medical alert devices do not come under their reimbursement range. Insurance that offers coverage some insurance plans cover medical alert devices’ cost to a great extent. The Part B optional insurance program with annual deductibles and monthly premium, offered by Medicare, is known to cover the monthly expenses of the medical alert device Philips offers. Plus, there are the long-term insurance plans, whose coverage criteria meets with certain types of Durable Medical Equipment, medical alert device being one of them. Social Service Agency Supported by the State Department of Social Service or Health, the social service agencies have various programs for supporting the seniors or the disabled with limited resources and lower income. These agencies can be one’s best chance for having insurance of medical equipment. Plus, the health care agencies in local areas also offer a certain grant for the monthly charges of medical emergency devices like Philips medical alert system. Private insurance In the majority of the cases, private insurance does not bear the cost of medical equipment such as the Philips medical alert devices. One may receive a partial reimbursement for such medical equipment after talking with the private insurer and knowing if there are any such schemes, but it is scarce. For those who wish their insurance to reimburse their monthly expenses of Philips medical alert devices, talking to the insurer in advance is strongly recommended. Go through the insurance plans and understand the coverage clause and amount to avoid unnecessary worries of bearing monthly expenses of a medical emergency alert system.

Your birthday, your graduation day, your parent's anniversary, etc. the list of occasions to go to a fancy dining is unending. You might have been a regular at your neighborhood restaurant or you know almost everyone at the family dining some blocks away from your place and you find these places pretty comfortable. You are at ease, you've let your guard down and eat and laugh aloud at some joke your dad cracks. All these are pretty normal when you dine out with your family and there are no protocols to be followed in such casual restaurants.

However, you might face your worst nightmare when your boss decides to hold a business meeting at some fancy fine dining restaurant or you would be meeting your fiance's parents for the first time at a similar place. If you are not familiar with table manners then chances are high that you might end up doing what Julia Roberts' character in Pretty Woman did - she flicks snails across the room! These fiascoes can be avoided if you knew what you are expected to do. You can adhere to the following dining etiquette mentioned here and not look like a novice at such events.

• Dress appropriately, i.e, dress as per the event. If you are attending a business meet, dress elegantly. Do not under any circumstances waltz into a fine dining with your cargo shorts. You would be the recipient of disapproving glances

• Do not keep your elbows or your phone on the table. It's distracting for other guests when you are checking your phone every 5 minutes

• If you are the host, make sure you decide the menu prior to your party and in such cases it is advisable to set up the payment ahead of time. Or if this was one of your surprise plans, make sure your guests are the ones who do the honor of placing the order. You wouldn't want to come across as a dominating host

• Do not return the wine once it is opened for you. This is considered to be rude since they opened the bottle only for you. Contrary to this, if your food is not cooked as per your liking, send it back but without creating a ruckus

• Do not yell for the waiter, wait till you catch his eye. Also, do not lean over to taste your companion's food. It looks uncouth

• Last but not the least, do not chew with your mouth open. Chew like you have a secret

So, these are some really important dining etiquette that would save you from any embarrassing situation. Make sure your fine dining experience is really a FINE one!

The world is shrinking. Not literally, but economically. Travel and trade have been made easier than in earlier times because of advancement in technology and science. And, that has brought countries closer than ever before. The world economy today is inter-related, and trade between nations has increased multifold, opening up avenues of import and export of various goods, commodities, and services to benefit people everywhere. All this necessitates the use of different currencies for business and living. Forex or foreign exchange is the decentralized trading of currencies between different countries. For example, if you live in the United States and visit your local department store, you would find products from around the world in the different aisles there. Fabric or spices from India, cheese from Switzerland and France, dates from the Middle East, electronic watches from Japan, pears from Australia and so on. To procure them, either you or the importer has to pay for these in their respective currencies. Here currency exchange takes place. The equivalent of the various currencies are paid in US dollars. Foreign exchange of currencies happens through computers. The foreign exchange market is open 24 hours a day, for five and a half days a week, in major financial markets in London, New York, Tokyo, Zurich, Frankfurt, Hong Kong, Singapore, Paris, and Sydney, in every major time zone. As such, the forex market can be extremely active any time of the day, with price quotes changing constantly. The price of a nation's currency regarding another currency is called an exchange rate, currency quotation or forex rate. The need to exchange currencies is the primary reason why the forex market is the largest, most liquid financial markets in the world. Trading currencies based on your perceived value of it is possible. If you think a currency will increase in value, you can buy it, and if you think it will decrease, you can sell it. The European Union currency, Euro (EUR) is the most traded currency with the United States Dollar (USD) in the world.

Malware is one of the biggest security and risk concerns when it comes to computing systems. Malicious software can target computers that don’t have antivirus software installed to cripple the system. It is very common for malware developers to target Windows and Android platforms due to its open-ended configuration. Today, there are certain types of malware that have been developed to cripple even close-ended iOS systems, making it absolutely necessary for you to opt for antivirus software to protect the system and data. Here are a few things you should look out for when deciding on the type of antivirus software you wish to buy. Free versus paid systems Although popular versions of antivirus software are available for free downloads, it is still advisable to buy premium software. The cost may be a significant expense, but it is still a prudent investment for the long run. Premium antivirus software will be ad-free with technical support and security features to protect user data. The software will also ensure there are no information leaks to third-party groups. Compatibility Most antivirus software is designed for universal compatibility across Windows and Android platforms. Very few antivirus software has been developed for Apple systems as the system is close-ended and does not allow for modifications to be made to the core interface. Light systems load Antivirus software consumes a lot of power and depends on more system memory; this can slow down other tasks. Ensure that you buy the antivirus software after taking into account your system configuration and also the minimum system requirements made mandatory for the antivirus. High malware detection rate The antivirus software should be able to detect threats effectively and take immediate action with certain administrator privileges that have been authorized by the system. The software you use must be able to identify new and old types of malware threats and also stop it from getting past the firewall. User-friendly interface The user interface of any premium antivirus software must be easy to understand and effortless to use. When you are paying top dollar to protect your systems and data, the last thing you would want to deal with is a complicated user interface. Some premium antivirus software also provide a customizable user interface that can be modified according to your requirements.