Once you have submitted your information for enrollment for the Prepaid Debit Visa, you will be required to fax over a copy of your Social Security Card or Individual Taxpayer Identification Number (TIN)
If you do not have these documents we would require one of the following NON U.S. Documents in order to process your card:
1) Foreign Passport
2)Matricula Consolar
3)Voter Registration
4) Visa Number
5)Foreign Drivers License
6)Other Foreign Issued Government I.D.
Enrollment can be done through http://www.mjfinsuranceagency.com/
Fax your I.D. document to 866-456-7905 once your application is submitted to complete the process.
Saturday, September 11, 2010
Thursday, September 9, 2010
Online C.P.R. Certification & Recertification Courses ENROLL TODAY!
We offer C.P.R. Training online for the medical profession. Classes are certified and your completion certificate will be forwarded directly to you. In addition we offer classes in
First Aid Certification
Bloodborne Pathogen Certification
Pro Home Safety Certification
ACLSCertification
All Valid Nationwide and ONLINE
Visit http://www.mjfonlinecpr.webs.com/ to enroll today!
Must Use Discount Code CPR-1865
Our Insurance Websites
http://www.mjfinsurance.com/
http://www.mjfinsuranceagency.com/
First Aid Certification
Bloodborne Pathogen Certification
Pro Home Safety Certification
ACLSCertification
All Valid Nationwide and ONLINE
Visit http://www.mjfonlinecpr.webs.com/ to enroll today!
Must Use Discount Code CPR-1865
Our Insurance Websites
http://www.mjfinsurance.com/
http://www.mjfinsuranceagency.com/
Wednesday, September 8, 2010
Group Health Insurance For Small Business Owners In NY
MJF offers group health insurance for small business owners through Atlantis Health Plan!
Carriers are raising premiums annually by as much as 20%!
MJF will come to your business location and provide an insurance review of your existing plan.
Then we can provide you with a full assessment and proposal based on your current health insurance needs and budget.
Contact us today for more information !
866-983-8726
http://www.mjfinsuranceagency.com/
mjfinsurance@gmail.com
Carriers are raising premiums annually by as much as 20%!
MJF will come to your business location and provide an insurance review of your existing plan.
Then we can provide you with a full assessment and proposal based on your current health insurance needs and budget.
Contact us today for more information !
866-983-8726
http://www.mjfinsuranceagency.com/
mjfinsurance@gmail.com
Tuesday, September 7, 2010
M.J.F. Hires Russian Speaking C.S.R. (Customer Service Representative)
We are proud to announce that Michael Melamed will be joining the staff of M.J.F. Insurance .Due to the growing Russian community in Staten Island and other areas of N.Y.C., M.J.F. felt that adding a Russian speaking Customer Service Representative would demonstrate that we are eager, willing and capable of adapting to our community.
If you are a Russian speaking citizen and would like an insurance quote please e amil us your name and phone number and Mr. Melamed will return your call.
mjfinsurance@gmail.com or Call 866-983-8726
If you are a Russian speaking citizen and would like an insurance quote please e amil us your name and phone number and Mr. Melamed will return your call.
mjfinsurance@gmail.com or Call 866-983-8726
Monday, August 30, 2010
Some Tips To Consider When Buying A Hotel
Tips To Consider When Buying A Hotel Or Motel
Hotels and motels can be great investments. The travel industry is not going away, and for this reason, there will always be a need for hotels and motels. While the investment in this industry is generally sound, not all hotels and motels are worth investing in. Here are some tips to consider when contemplating the purchase of a hotel or motel.
As with any purchase of real estate, the condition of the structure should be checked, and inspected by a professional. Necessary repairs, as well as the need for updated furnishings, fixtures, equipment, and inventory should be considered. This information will help you in determining the market value of the property. Once the sale is complete, make sure that the owner gives you a separate bill of sale for all furnishings, fixtures, equipment, and inventory, as well as the deed to the property.
Check with the county or state about planned changes and roadway construction. If the property is on a highway, and there are plans to build a loop, the property and business may not be as valuable as you thought it was.
Stay at the hotel as a guest for a week. Try to do this before anyone is aware that you are considering the property. This will give you the opportunity to view the hotel or motel as a guest would.
Avoid discussing price with the owner of the property. It is better to let the broker handle the negotiations with the owner. You should know in advance what the top dollar you are willing to pay for any property is, and disclose this information to the broker from the start.
If the hotel or motel is franchised, read the franchise disclosure. Also, view the franchise agreement that the current owner has with the company, and find out if that agreement will be transferred to you, or if you will have a new agreement with the company. Find out what fees you will be required to pay to the company upon taking over the property.
Check out the current competition, and consider the potential for future competition. Also consider the local reputation of the hotel or motel. If it has a bad reputation, it will be difficult to change the local opinion. A bad reputation drastically lowers the market value of the property.
Look at the financial statements for the past two or three years. Also, check the occupancy rate. Look at room rates and expenses for running the business. Check the room rates at nearby hotels and motels for comparison. Verify all financial information.
It is usual for the buyer to have a 30 day study period, and this is usually set down in the letter of intent or the agreement of sale. Use this period to check things out to your satisfaction. If you are not satisfied, you can back out of the agreement.
Review contracts that the current owner has with suppliers, as well as customer groups. Find out if those contracts will be renewed or valid after you take over the property. Be sure that the contracts will be satisfactory for you as the owner of the property. If there are existing contracts that you may wish to cancel upon purchasing the property, make sure that you will be able to cancel those contracts without being penalized.
Make sure that the hotel or motel is currently in compliance with governmental requirements. Also consider what licenses and permits you will need to get to operate the property, as well as the requirements and costs in obtaining those licenses and permits. Find out what insurance company is currently insuring the property and how much the premiums are. Do your own insurance shopping as well to see if you can get better coverage, or a better rate.
Looking for an insurance quote on a hotel you already own or plan to purchase? MJF can help you secure the coverage you need to protect your investment.
for more information e mail us at mjfinsurance@gmail.com
Hotels and motels can be great investments. The travel industry is not going away, and for this reason, there will always be a need for hotels and motels. While the investment in this industry is generally sound, not all hotels and motels are worth investing in. Here are some tips to consider when contemplating the purchase of a hotel or motel.
As with any purchase of real estate, the condition of the structure should be checked, and inspected by a professional. Necessary repairs, as well as the need for updated furnishings, fixtures, equipment, and inventory should be considered. This information will help you in determining the market value of the property. Once the sale is complete, make sure that the owner gives you a separate bill of sale for all furnishings, fixtures, equipment, and inventory, as well as the deed to the property.
Check with the county or state about planned changes and roadway construction. If the property is on a highway, and there are plans to build a loop, the property and business may not be as valuable as you thought it was.
Stay at the hotel as a guest for a week. Try to do this before anyone is aware that you are considering the property. This will give you the opportunity to view the hotel or motel as a guest would.
Avoid discussing price with the owner of the property. It is better to let the broker handle the negotiations with the owner. You should know in advance what the top dollar you are willing to pay for any property is, and disclose this information to the broker from the start.
If the hotel or motel is franchised, read the franchise disclosure. Also, view the franchise agreement that the current owner has with the company, and find out if that agreement will be transferred to you, or if you will have a new agreement with the company. Find out what fees you will be required to pay to the company upon taking over the property.
Check out the current competition, and consider the potential for future competition. Also consider the local reputation of the hotel or motel. If it has a bad reputation, it will be difficult to change the local opinion. A bad reputation drastically lowers the market value of the property.
Look at the financial statements for the past two or three years. Also, check the occupancy rate. Look at room rates and expenses for running the business. Check the room rates at nearby hotels and motels for comparison. Verify all financial information.
It is usual for the buyer to have a 30 day study period, and this is usually set down in the letter of intent or the agreement of sale. Use this period to check things out to your satisfaction. If you are not satisfied, you can back out of the agreement.
Review contracts that the current owner has with suppliers, as well as customer groups. Find out if those contracts will be renewed or valid after you take over the property. Be sure that the contracts will be satisfactory for you as the owner of the property. If there are existing contracts that you may wish to cancel upon purchasing the property, make sure that you will be able to cancel those contracts without being penalized.
Make sure that the hotel or motel is currently in compliance with governmental requirements. Also consider what licenses and permits you will need to get to operate the property, as well as the requirements and costs in obtaining those licenses and permits. Find out what insurance company is currently insuring the property and how much the premiums are. Do your own insurance shopping as well to see if you can get better coverage, or a better rate.
Looking for an insurance quote on a hotel you already own or plan to purchase? MJF can help you secure the coverage you need to protect your investment.
for more information e mail us at mjfinsurance@gmail.com
Sunday, August 29, 2010
Just Engaged...Where to Start Planning
Just Engaged...Where to Start Planning
This posting will help you, the newly engaged couple to focus and streamline the wedding planning process. Just click on the link above to access the article.
This posting will help you, the newly engaged couple to focus and streamline the wedding planning process. Just click on the link above to access the article.
A Bridal Affair To Remember - September & October 2010 Dates and Locations
Wednesday, 1
6:45 pm The Villa Barone Manor
737 Throgs Nexk Expwy Bronx, NY Order
Tuesday, 21
7:00 pm The Staaten
697 Forest Avenue Staten Island, NY Order
Wednesday, 29
6:45 pm Sirico's Caterers
8023 13th Avenue Brooklyn, NY Order
October 2010
Wednesday, 13
6:45 pm South Shore Country Club
200 Huguenot Ave Staten Island, NY Order
Tuesday, 19
7:00 pm Verdi's Of Westbury
680 Old Country Rd Westbury, NY Order
Tuesday, 26
6:45 pm Ariana's Grand
800 Rahway Avenue Woodbridge, NJ Order
6:45 pm The Villa Barone Manor
737 Throgs Nexk Expwy Bronx, NY Order
Tuesday, 21
7:00 pm The Staaten
697 Forest Avenue Staten Island, NY Order
Wednesday, 29
6:45 pm Sirico's Caterers
8023 13th Avenue Brooklyn, NY Order
October 2010
Wednesday, 13
6:45 pm South Shore Country Club
200 Huguenot Ave Staten Island, NY Order
Tuesday, 19
7:00 pm Verdi's Of Westbury
680 Old Country Rd Westbury, NY Order
Tuesday, 26
6:45 pm Ariana's Grand
800 Rahway Avenue Woodbridge, NJ Order
Family Cruise Nights - Staten Island, NY (Classic Car Showcase Till 9/25/10)
Family Cruise Nites: Classic Car ShowcaseWhen :
08/25/2010 5:30pm 8:30pm - 08/25/2010
Where :
Historic Richmond Town
441 Clarke Ave. Staten Island, NY
Who :
No performers specified
Event Details
Category: OtherEvery Wednesday evening until Sept. 29, the Staten Island Region Antique Automobile Club of America will be on Historic Richmond Town's Center Street so people can get a look at the classic cars from the golden age of the American automobile. Admission is free. Call 718-351-1611 or visit nycgovparks.org for more details.
08/25/2010 5:30pm 8:30pm - 08/25/2010
Where :
Historic Richmond Town
441 Clarke Ave. Staten Island, NY
Who :
No performers specified
Event Details
Category: OtherEvery Wednesday evening until Sept. 29, the Staten Island Region Antique Automobile Club of America will be on Historic Richmond Town's Center Street so people can get a look at the classic cars from the golden age of the American automobile. Admission is free. Call 718-351-1611 or visit nycgovparks.org for more details.
Staten Island Pet Expo @ Moore Catholic High School
Mark your calendars for Staten Island Pet Expo!
Oct 2, 2010 to Oct 3, 2010
11am to 7pm
Admission: $10 to enter
Benefiting: P.L.U.T.O
This event will promote responsible pet ownership to SI Pet owners. Exhibiting companies will be offering the latest services and products to the SI Pet Lovers. Adoption opportunites will be available at the expo.
For more information, please call 6469422042 or email promano@greenmarineproductions.com.
Oct 2, 2010 to Oct 3, 2010
11am to 7pm
Admission: $10 to enter
Benefiting: P.L.U.T.O
This event will promote responsible pet ownership to SI Pet owners. Exhibiting companies will be offering the latest services and products to the SI Pet Lovers. Adoption opportunites will be available at the expo.
For more information, please call 6469422042 or email promano@greenmarineproductions.com.
Wednesday, August 25, 2010
A.S.P.C.A. Pet Insurance Online Application
If you would like to purchase pet insurance, you can do so by clicking on the following A.S.P.C.A. link. Enrolling your pet has never been so easy!
https://www.petinsurancestore.com/Step1.aspx
Use Code Pet 127
https://www.petinsurancestore.com/Step1.aspx
Use Code Pet 127
Tips When Purchasing Commercial Insurance Coverage
COMMERCIAL INSURANCE TIPS
1. Package policies are almost always cheaper than individual policies. Consider combining liability coverage with your building or contents coverages.
2. Don't forget "income protection" insurance. It's inexpensive and can make the difference in surviving a major loss.
3. Tools and equipment are rarely covered off premises unless individually listed. If you list your tools, be sure not to over insure.... riders like this usually protect you on an "actual cash value" (market value) basis and NOT on replacement cost (cost new).
4. Have you properly insured your computer hardware and software?
5. Be sure to properly describe what your business does on your policy. Failure to do so will jeopardize your coverage.
6. Higher deductibles on property insurance will save you money. Consider deductibles of at least $1,000 for commercial buildings.
7. Don't forget to specifically insure your sign and any plate glass. They are often excluded on your building policy.
8. Business Catastrophe policies (sometimes called "umbrellas") are a great way to increase your overall protection.
9. Take a good look at your fleet or business auto policy. You should be carrying proper deductibles, charged for proper uses, and credited for good experience. Also be SURE you are protected for "non-owned" autos.
10. Snowplowing? You need proper auto liability AND general liability protection. If someone slips on the ice they say you missed, they will sue you... guaranteed!
11. Shop... shop... shop! All of your business insurance should be checked every two or three years. The market is constantly changing and you need to know your coverages are accurate and your rates are the best that you can get! Call us at (866) 983-8726 for a review of your policies.
1. Package policies are almost always cheaper than individual policies. Consider combining liability coverage with your building or contents coverages.
2. Don't forget "income protection" insurance. It's inexpensive and can make the difference in surviving a major loss.
3. Tools and equipment are rarely covered off premises unless individually listed. If you list your tools, be sure not to over insure.... riders like this usually protect you on an "actual cash value" (market value) basis and NOT on replacement cost (cost new).
4. Have you properly insured your computer hardware and software?
5. Be sure to properly describe what your business does on your policy. Failure to do so will jeopardize your coverage.
6. Higher deductibles on property insurance will save you money. Consider deductibles of at least $1,000 for commercial buildings.
7. Don't forget to specifically insure your sign and any plate glass. They are often excluded on your building policy.
8. Business Catastrophe policies (sometimes called "umbrellas") are a great way to increase your overall protection.
9. Take a good look at your fleet or business auto policy. You should be carrying proper deductibles, charged for proper uses, and credited for good experience. Also be SURE you are protected for "non-owned" autos.
10. Snowplowing? You need proper auto liability AND general liability protection. If someone slips on the ice they say you missed, they will sue you... guaranteed!
11. Shop... shop... shop! All of your business insurance should be checked every two or three years. The market is constantly changing and you need to know your coverages are accurate and your rates are the best that you can get! Call us at (866) 983-8726 for a review of your policies.
Sunday, August 22, 2010
Dog-bite claims grab record insurance chunk - Chicago Tribune
Dog-bite claims grab record insurance chunk - Chicago Tribune
MJF offers canine legal liability insurance for NY residents. If you own a breed of dog with a tendency to be vicious and must not be trained to be a guard or attack dog. You may qualify for our product. Company also offers a multi dog discount.
MJF offers canine legal liability insurance for NY residents. If you own a breed of dog with a tendency to be vicious and must not be trained to be a guard or attack dog. You may qualify for our product. Company also offers a multi dog discount.
Group Health Insurance Premiums Increasing?
If your a business owner chances are your premiums have recently been increased or will be upon your annual renewal. M.J.F. works with multiple health insurance carriers such as GHIAtlantis, Aetna, Blue Cross Blue Shield to just name a few . Chances are we can help you find a health insurance plan to fit your needs. In addition we also offer dental insurance plans for as little as 2 employees. We are licensed in NY,NJ,CT,FL,PA and SC but plans vary by state.
Contact us today to review your current health insurance plan and let MJF try to find a plan that fits your health insurance needs!
http://www.mjfinsuranceagency.com/
Contact us today to review your current health insurance plan and let MJF try to find a plan that fits your health insurance needs!
http://www.mjfinsuranceagency.com/
MJF INSURANCE NOW HAS SCANLIFE BARCODE CAPABILITY
M.J.F INSURANCE AGENCY,INC WEBSITE ADDS
SCANLIFE BARCODE FOR EASE OF ACCESS
Friday, August 20, 2010
NY & NJ Online Defensive Driver Courses - American Safety Council / MJF Insurance
M.J.F. offers online driver training courses. These courses qualify you for insurance discounts and a reduction of points on your drivers license, REMOVES UP TO 4 POINTS.
Please check with your insurance carrier in N.J. to verify your benefit.
In N.Y. you receive a 10% discount on your premium and up to 4 points removed off your license.
Courses Offered: 30 Days to complete the class,
Electronically reported to D.M.V. within 24 hours,
Receive your certificate in approximately 7 days via mail
100% ONLINE, NO EXAMS!
N.Y. ONLINE Defensive Drivers Course: Course fee is $27 with promotional code NYP4BE67
N.J. ONLINE Deefensive Driver Discount Course: Course fee is $32
N.J. ONLINE Mature Driver Insurance Discount Class: Must be over age 50, Course fee is $19.95
you can acces class through http://www.mjfdefensivedriver.com/
or
http://www.mjfinsuranceagency.com/
Please check with your insurance carrier in N.J. to verify your benefit.
In N.Y. you receive a 10% discount on your premium and up to 4 points removed off your license.
Courses Offered: 30 Days to complete the class,
Electronically reported to D.M.V. within 24 hours,
Receive your certificate in approximately 7 days via mail
100% ONLINE, NO EXAMS!
N.Y. ONLINE Defensive Drivers Course: Course fee is $27 with promotional code NYP4BE67
N.J. ONLINE Deefensive Driver Discount Course: Course fee is $32
N.J. ONLINE Mature Driver Insurance Discount Class: Must be over age 50, Course fee is $19.95
you can acces class through http://www.mjfdefensivedriver.com/
or
http://www.mjfinsuranceagency.com/
Thursday, August 19, 2010
NY Online 6 Hour Defensive Driver Training Class ($27)
USE PROMOTIONAL CODE - NYP4BE67 FOR THE $5 DISCOUNT
http://www.mjfdefensivedriver.com/ Direct access to the Defensive Driver Training site
30 days to complete the class and your certificate will be mailed within 7 days.
Qualifies you for a point reduction on your NY license of up to 4 points.
Qualifies you for a 10% discount on your insurance premium.
http://www.mjfinsuranceagency.com/ Agency website to access all of our products and services including Online O.S.H.A. Training
http://www.mjfdefensivedriver.com/ Direct access to the Defensive Driver Training site
30 days to complete the class and your certificate will be mailed within 7 days.
Qualifies you for a point reduction on your NY license of up to 4 points.
Qualifies you for a 10% discount on your insurance premium.
http://www.mjfinsuranceagency.com/ Agency website to access all of our products and services including Online O.S.H.A. Training
MJF Now Licensed South Carolina
Its official, we have recently been licensed to write in South Carolina! Please contact us if you would like to receive a quot from one of our competitive carriers.
Let MJF Insurance Write Your Surety Bond
MJF can help you secure your Bond! Some of the more popular bonds we write are Bid, Receivership, Fiduciary,Probate and Performance Bonds. To secure more information or to request a quote, please e mail or call us today. We'll be happy to assist you!
Tuesday, August 17, 2010
Concession Vendors
Do you operate as a concession vendor? If so MJF has a carrier that can insure your business. Whether you run a hot dog cart, flower stand or other type of cart give MJF a call today!
Sunday, August 15, 2010
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