The Most Profitable Business Sectors in 2010

Entrepreneurs dream of and start businesses for a variety of reasons. Some hate the jobs they are in, while others dislike the politics of a big office environment. But most would agree that the lure of freedom and flexibility were huge motivating factors.

Regardless of the rationale behind their decision, one criterion is more critical than any other: They want to make money and support their families. While it is easy to get distracted by chasing customers, growing top line revenue and expanding premises, the simple business fundamentals – profit and cash flow – determine whether the entrepreneur’s dream will ultimately last or turn into a nightmare.

It is almost impossible to predict the success and financial health of a business by looking at the number of employees, the look/feel of the website, the size of the office or the resume of the owner. Most of us would assume that the only way to really know, is to get a copy of and read the financial statements. While this is a great idea and valuable exercise, there is also another, easy way to narrow down your choices. You could simply choose to start or buy one of the Top 10 Most Profitable businesses – i.e. a venture that statistically has the highest probability of being financially successful.

Sounds straightforward, doesn’t it? But how [exactly] do you find out which businesses are on the list?

It is not widely known in the marketplace, but there are in fact certain industry classifications which have a track record of high net profit margins and solid cash flow. There are also certain characteristics and financial metrics of these select businesses which exponentially enhance their profitability. So much so, that these particular businesses are 5 to 10 times more likely to survive and thrive.

1. Consultants, experts and speakers
This industry includes business advisors, authors, coaches, therapists, psychologists, authors and paid speakers. On average, these businesses enjoy high per hour rates, carry no debt or inventory and have very low fixed expenses. The number of professionals in this area is growing rapidly each year and they are consistently generating net profit margins of 25-35%. Not bad for a business that is borne out of one person’s expertise – the large majority of these businesses employ less than 3 people.

2. Accounting and financial services
While this industry may sound boring – bookkeeping, payroll, tax compliance, accounting advice and software, advisory services, financial/investment advice etc – these practitioners become a whole lot more interesting when they are standing on their wallets. These businesses tend to have the longest client relationships (as most people perceive a huge risk inherent with switching to a new provider) and thus the lowest churn rate and the lowest cost to acquire and retain clients. They enjoy profit of around 23-26%, have enormous pricing power and their services are seen as must-haves, not discretionary spends. By and large, they also tend to have low operating expenses per client and as a percentage of sales.

3. Legal specialists
Despite their reputation as sharks and bottom feeders, lawyers make excellent profit and cash flow (on average 20-24% net profit margin). Their success factors mirror those of their accounting and financial services colleagues. Most clients are attained through WOM and referrals (keeping marketing costs low) and they tend to stay with their advisor over the long term as there is a perceived risk/cost to switching attorneys. Lawyers are fantastic at generating repeat business and up sales. Some of the most profitable areas include DUI defence, criminal law, tax and estate planning and divorce law.

4. Dentists – general and specialists
Dentists have three key operating advantages – they are often able to treat multiple patients simultaneously, they enjoy high average dollar transactions (most of which is not covered by health care plans) and their operating costs are relatively low (when divided by the total number of patients serviced). Yearly maintenance services (cleaning and x-rays) produce high contribution margins and dentists do a great job of convincing us we need them regularly. On average, they spend more than any other health provider on follow ups and re-bookings. Fortunately, the cost of this direct marketing is much lower than the cost of acquiring new patients and produces returns of 18-22% for the practice.

5. Designers
No matter what they specialize in – structures, decor, your brand, high end clothing and accessories – these professionals have a flair for bringing in the money – in fact about 16-19% on the bottom line each year. These practitioners benefit greatly from high end pricing and relatively low variable product costs and operating margins. Their greatest assets are their customer lists and their time. The greatest risk for those who are not as successful in this area is productivity – either not understanding the time involved to complete a job or not charging market rates for their time.

6. Medical specialists and veterinary medicine
It pays to specialize. The medical profession is relatively recession -proof. No matter what, people and pets tend to get sick and we rarely opt to forgo seeking care and treatment. Surprisingly on the rise are highly discretionary services such as plastic surgery, Lasik eye surgery, lap band specialists, infertility treatment and hair restoration. These specialists are often able to charge outside of what is covered by public and private health care (earning profit of around 14-16%) and they earn much more than their general medicine counterparts.

7. Specialised health and alternative medicine
As with traditional medicine, it pays to specialize. Mental health, podiatry, chiropractic, naturopathy, acupuncture, physical therapists etc. enjoy profits of 13-15% due to high average dollar transactions, repeat visits, low cost of goods sold and low operating margins.

8. Eldercare and retirement services
As the average population continues to age, there is a growing strain on young families from both ends – the need to manage child care with a career AND the need to manage the transition of elderly parents into assisted living or full time care. As a result, placement services, retirement villages, aged care services etc. are growing and becoming more lucrative. Private services in particular can earn 12-14% before tax.

9. Insurance and mortgage brokers
These businesses often cost very little to start and operate and earn their money through 2 distinct streams – the upfront fee they earn for securing the deal and ongoing annual trailers (which can often grow to 80% of their total revenue). While recent changes in many jurisdictions have reduced or delayed their initial payments from banks and various institutions, the ongoing passive revenue streams make these profitable businesses at 11-14% on average. The perceived hassle of switching is high, thus most retain customers for long periods of time and promote/receive referrals regularly.

10. Online business, small deposit and lending institutions
The internet has made it possible for anyone to set up shop and sell goods or services online with little or no experience and low overheads. While there are many dud eBusinesses, the ones that are making money are doing it on a huge scale. The most profitable ones (selling services and membership continuity programs) are earning more than $0.20-0.30 cents on the dollar each year in net profit, but examples of these are few and far between. On average, the ones that sell products and/or services should enjoy 11-14% on the bottom line with no debtors, low inventory and a small investment in fixed assets. Specialised credit unions and private lenders are also enjoying profit margins of around 10-13% due to low overheads and a growing mistrust among consumers with the traditional banks.

From this list, we can draw several important conclusions. First professional services is a winner. Of the list above, 8 out of 10 business fall into the category of professional services. The core drivers of their profitability being steady demand for services(despite economic ups and downs), low overheads, high contribution margins and repeat business. Aside from law, specialized medicine, dentistry and accounting, many of these professions also enjoy relatively low barriers to entry.

More often than not, it pays to specialize. Businesses in niche areas are often able to set high prices, command high value sales with large contribution margins and generate both repeat and referral businesses. This lesson can also easily be extrapolated and applied out to traditionally difficult or low profit industries. Take for example, the restaurant business or general trades like welding or electrical services. By becoming highly specialized, these businesses can directly influence the success and viability of their enterprises.

And finally, size definitely matters. In the small to mid size sector, economies of scale in most industries kick in around $1m in revenue – and this is especially pronounced in industries that require an upfront investment in specialized fixed assets like medical equipment, manufacturing equipment and technology.

How to Stretch Your Travel Budget With a Discount Car Rental

A self-drive holiday may sound hopelessly exorbitant if you’re on a tight budget. People tend to be discouraged by the idea of renting a car for a long period of time, imagining that it will eat up their entire travel fund. However, it’s actually easier to obtain a discount car rental than some people would imagine, especially in these financially-conservative times.

Car rentals are a business, after all, so making a smaller profit by renting out unpopular cars is better than making no profit at all. Most of the time, discounts can be found online. As such, the internet is a good place to start when looking for affordable rentals and a car rental discount code or two, but print media shouldn’t be discounted either. Prices may vary between different agencies, so it’s prudent to compare the finer details of each deal before settling on a particular one.

Timing can be everything when it comes to obtaining a discount car rental. As with some airlines in Asia, car rental agencies offer early-bird discounts if you book a car much earlier in advance of the actual date of your pick-up. Additionally, cancellation of the booking if you find an even better deal elsewhere will not incur extra costs either as long as it’s done early enough. Conversely, the shoulder period of a travel season, that is, just before or after peak travelling time, often sees car rental companies competing to outdo each other in their attempts to rent out any remaining cars. It’s possible to obtain a good rental deal at this time, but the choice and quality might be limited.

While car rental discount codes are extremely useful is helping you obtain a more affordable rental, although this might be subject to questionable quality. You might also want to consider the size of the car you want, especially if your group is a small one. Smaller cars tend to cost less to rent, and you’ll probably pay less for fuel too. As an added bonus, you’ll definitely have no trouble parking a small car.

Avail Short Term Cash Advances With Limited Legal Formalities

The unpredictable market condition has made it almost necessary for people to resort to various kinds of loans. However, earlier availing debts was very difficult because of their long formalities and complex terms and conditions. In contrast to this, a number of easy finance possibilities have cropped up to help the people to meet their immediate emergency monetary needs. In this context, the short term cash advances caters the needs of the middle class people and allow them to meet their immediate expenses. What is most impressive about these finances is the fact that they are easily available and can be availed without long formalities or complex terms and conditions.

Today such loans have become very common because of the rise in uncertainty in life. A number of middle class as well as upper middle class people have started depending on such debts to prepare themselves for the unforeseen circumstances. Earlier, people had this misconception that resorting to bank borrowings could often turned out to be risky venture due to the pressure of repayments. But with the introduction of such short term cash advances, one can easily avail necessary finances for the emergency situations like medical needs, educational needs, paying off outstanding debts and many more.

One of the most striking feature of these finances is that they are unsecured in nature and do not require any pledge of security in the form of car, house or other property. This has actually proved very advantageous for the middle class people, who can now avail such debts in spite of not having enough property to be pledged as security. Hence, such financial sources have become more exposed to the people in UK.

Another plus point of these advances lies in the fact that these borrowings can be availed even by those who have low credit history. This means that even if you have defaulted payments for a couple of times in the past, then also you can avail finances from banks as and when required. Now, since these short term loans do not require any security pledging, therefore, they takes less processing time. These debts are getting very popular, as they offer easy repayment schemes which do not affect the savings of the people and reduce the pressure from the borrowers. However, in spite of having favourable terms and conditions these borrowings also involve certain criteria to be fulfilled by the users.

First of all, anyone who wishes to avail such finances must be a citizen of UK and must be minimum 18 years of age. Other than this, the borrowers must have a valid bank account so that the bank can transfer the loan amount directly to their account. The borrowers should also be working for at least a period of 6 months and should earn a handsome salary in order to avail such debts.

These short term cash advances with its favourable terms and conditions have come as saviours for those who cannot afford to avail long term loans because of the legal formalities and security pledging. Therefore, these finances have become highly popular among all class of people, especially the middle class, due to their liberal terms and conditions.

The Commercial Real Estate Outlook for Agents and Realtors in 2012

The commercial property year has well and truly started, and in most locations formed some common trends and patterns. If you are a commercial agent it pays for you to read the patterns in the marketplace and use them for the opportunity they provide. Property change and churn factors are active in most markets. They are an opportunity in waiting.

These are some of the common trends that most agents are seeing:

  1. Sellers are now adjusting their prices to suit the real property market and the existing levels of enquiry
  2. Buyers are fewer and taking longer to make a decision. Some buyers are looking for bargains.
  3. Finance is still tougher to get and the banks remain selective and diligent in the provision of a mortgage to buyers.
  4. Tenants are out looking for better premises at more favourable rents
  5. Developers are not doing much unless they can see a significant demand for a certain property type
  6. Developers are finding in many cases that the set up and construction costs for the new developments is out of balance with the achievable sale prices

Taking these things on-board, it is the agent that works both the leasing and the selling market that catches more opportunity. You have to be versatile.

As this article is being written it is the start of the second quarter of the 2012 calendar year; it is commonly the time where more listings and deals occur leading up to the change of financial year.

Right now is the right time to push your marketing and networking to the fullest. Sellers and Landlords that need help with property this year are typically planning that process right now.

So the best ways forward if you are an agent is to build a solid prospecting and cold calling model that is relentless in its process and drive. You have 8 months of the year to make the commissions that you need. Now is the time to get moving on this as it takes about 3 months of real effort before the conversions and listings start to appear.

Should you list everything that comes your way? Probably not, given that the market and buyers or tenants are so selective currently. It is better to choose the properties to list that are realistically priced or rented. You only have a certain amount of time to apply to your listed properties, and on that basis they should be the properties that offer the most realistic chance of selling or renting.

On one final note, it is appropriate to look at your listing strategy and decide if you should be taking open listings or just exclusive listings. In the case of exclusive listings, you have control of the property for a definite period of time and you can do more in marketing. In simple terms and in most cases exclusive listings sell faster and at a better price than openly listed properties. Make the right choices here.

Commercial Real Estate – Listing Tools and Tactics

Attracting new property listings is an ongoing task that requires constant focus for the commercial real estate agent. Whether they are new or old to the industry, prospecting for new listings is (or should be) ongoing. Clear tactics are required if you want to dominate your market and the other real estate agents around you.

Without new listings you cannot generate the commissions and quality of enquiry you require. What I will give you here is a well proven base plan and set of tactics for generating listing opportunity.

Understand this, the more enquiries you generate from the people you know, the better your real estate business. You have to know a lot of people to be successful in the real estate business.

With the advances in technology today you would think that this is prospecting process is easier than ever before, although some people still struggle with it.

So where can you generate the property enquiry that you need? Here is a list that will help you on the way:

  • Old real estate sales and leasing activity over the last few years will give you the names and dates of transactions that will soon potentially come back in the market. That means you should use the old property sales and leasing records from your region as a base of fresh prospecting and cold calling. Most investment property will change hands every 5 to 7 years. It is a cycle that allows you to target properties that have been held for some time by the same owners. They are likely to need your help soon.
  • Business owners may lease or own their premises. Make the call to these people or drop in at their offices to find out what they need and want in the way of property.
  • Walk the streets that contain the good properties and the good businesses. Leave your business card and pick up the business card of all the managers or proprietors.
  • Ask the people you meet in the local businesses about the local properties around them and any changes that they know about. This is a great source of market intelligence. They know the market around them better than you do.
  • Vacant land should always be researched as to the owner and what they are doing about the property. You can put your sign on vacant land if the owner lists their property with you. The more signs you get up the better for your market image and market share.
  • Old property listings that other agents have failed to sell or lease should be monitored in case the listing can be reactivated. As part of this keep a tally on the time on market for the listings. This will tell you when the market is changing with certain listing types.
  • Make cold calls on developers, solicitors, accountants, and architects. They all have an interest in commercial property and will have clients that need help from time to time.
  • Rent rolls and other property managements held by other agents are prime targets for new business. By their very nature, the owners of these properties are investors, and many investors own more than one property.

You and your daily activities are at the center of this prospecting process. Prospecting is hard for some people given that the level of self-discipline required is high. Many salespeople will find something else to do that is easier. Any excuse will do to avoid prospecting. Many salespeople will take the easy prospecting process of dropping flyers and sending generic mail to hundreds of local businesses where they do not follow up. Does this really work? Yes but only to a minor degree and the road to success is slow.

You have to talk to people if you want to fast track your listings and opportunity.

If you take on this challenge and practice your prospecting processes until they are second nature, then you will create better results. As you improve, the more meetings and presentations you can do, and this leads to listings.

It pays to keep a running tally of your calls, meetings, and conversions to listings. This helps you understand when you are getting better at the prospecting process. So who are you going to call? This is the research part of the prospecting model and every day you do a bit more research into the properties and the areas that you are interested in. This also helps you understand what is going on in your area.

New property listings help you build your database. It is the database that will bring you so much market share and qualified enquiry. The bigger and more accurate your database, the more people you can call when some enquiry or opportunity arises. Your database is a very personal thing and should be maintained by you personally. This helps you take ownership of the process.

Best Ways to Prospect in Commercial Real Estate Today

The prospecting process in commercial real estate is a daily event or at least it should be for every salesperson. There are four ways to contact your prospects, and whilst I will explain of those four strategies here, only two of them are highly successful.

When you understand and appreciate the value of the two best prospecting methods, you can convert more commercial real estate business opportunity and listings in your local market. The other two methods in the main are a waste of time and effort.

So here are the four methods of prospecting that you can use. They can be mixed or combined as the case may be. As only two of them will be highly successful, I will define those two at the end of the article.

  1. Sending an e-mail to a prospect regards your services and commercial real estate activity is easy and convenient. Many agents do this on a regular daily basis. You can combine with the e-mail relevant attachments and information regards the local property market and property types available for sale or lease.
  2. The traditional direct mail approach still occurs today although less frequently. To send direct mail, you need to have the necessary contact details of the people concerned. Generic mail without personally addressed correspondence is a waste of time. If you are sending direct mail, make sure you understand the correct title and name of the relative person.
  3. The telephone is a very convenient method of contact when it comes to prospecting for new business. The rejection factor or ratio in cold calling activities is rather high although this should not put you off the process.
  4. Dropping into a business or a local address to introduce yourself as the commercial real estate expert should happen on a daily basis. You can do this on a street by street basis. Identify the local businesses in each street and then visit five of them each day. Leave your business card as part of the process. You ask them questions regards their property needs, or property usage, and if they are a tenant or an owner.

So, two of the above items are far more successful than the others. Most particularly they are the use of the telephone and dropping into the local businesses. These activities should occur daily as they will strengthen your market share very quickly.

It should be noted that the direct mail approach is still highly effective although you should always follow up the letter with a telephone call. Direct mail without follow-up is a waste of money.

The most convenient and yet less effective way of marketing today is the email process. Most business people get many emails on a daily basis and therefore will be inclined to delete unnecessary emails that are of general information. If you are going to implement the email process as part of your marketing model, make sure you have the consent of the person concerned so that you can personalise the process. As regularly as possible, make sure you follow the emails are up with a telephone call.

Electric Cigarettes (cigarros electronicos )- Could They Be For You Personally?

E-cigarette will make it easy for you to definitely unwind WITHOUT health problems.

Maybe you’ve heard with regards to electronic cigarette(cigarro electronico) smoking still? Electronic cigarette smoking include many rewards within the standard smoking cigarettes. We ought to start by way of revealing just what a electronic cigarettes(cigarros electronicos) smoking really is — a digital camera typically fashioned much like a smoking cigarette(cigarro) which can help you inhale nicotine by utilizing water smoke. These products tend to be fumes cost-free and don’t demand lighting, meaning that you might relaxation almost everywhere you want. Nowadays it is possible to relax in the bar, at the office, on college and possibly with planes!
Seeing you will probably have discovered, you’ll uncover a number of forms additionally to brands of e-cigarette(elektronines Cigaretes) smoking offered. There is available this cigar, electronic, minuscule smoking cigarettes and perhaps some kind of conduit you can choose.

What kind you at long last choose relies your own preferred manner of cigarettes. Nevertheless the designs will vary, most electronic cigarette(sigaretta elettronica) smoking work similarly. Lots of people incorporate a cartridge, atomizer additionally to energy supply that really help this ecigarette smoking work. This cartridge will most likely incorporate a juice nicotine concoction together with a atomizer. This atomizer will most likely warm-up this juice having a cartridge, creating some kind of vapor including smoke, that’s breathed in in the smoker. Numerous will most likely have the ability to consider other immediate advantages.

You do not have inappropriate reason to acquire electronic cigarette(sigarette elettroniche) smoking. Lots of people include no harmful toxins, you are able to really fumes everywhere and additionally they’re a lot more affordable compared to regular cigarettes. People also won’t have to assist take into account smelling including fumes additionally to trashing ones clothes, house or possibly vehicle inside. Let us face the product, customary cigarettes can easily have numerous cost, specially when people consider each of the disguised . prices including such. At this time people can actually certainly take advantage of the pleasure associated with cigarette free from a few of the extended unwanted effects. Just in case you’re sole additionally to looking for someone up to now, using the electronic cigarette smoking people should not get judged to become a smoking afficionado. This collection associated with benefits goes so on and you’ll probably consider numerous yourself.

People may be considering trying electronic cigarette(elektroniskas cigaretes) smoking with the first time or you might have previously a few. In either case, it is possible to save money by way of finding this right ecigarette smoking website. I wound up saving nearly 40 dollars upon the main starter set by way of having to pay for that item around the internet additionally to After I will start to trading within the ecigarette(elektroniske cigaretter) smoking supplies at this time around there, much like refills additionally to eLiquid.

Travel Nursing Jobs As a Career Option

If you are thinking of becoming a travel nurse then it is a viable career option as you will have more salary than the permanent and para diem nurses. If we look back then it is in the year1920 when traveling nursing jobs came into existence after the shortage for nurses was felt. It is the most popular career in USA as the demand for travel nurses is mounting owing to less number of nurses in specific regions. There are around 25,500 travel nurses in USA and about 340 US travel nurse companies. Travel nursing jobs are the short term nursing jobs (4 to 52 weeks) in which the nurses have to travel to different parts of the country. The contract that is outside the country is of longer period like one to two years.

Travel nursing job gives you the wonderful experience of meeting new people and enjoying different seasons and states of the country. Depending upon the project you can choose the period of stay in the travel nursing job. Like some nurses prefer to stay for one month other for one year.

How to become a traveling nurse?
To become a travel nurse one will have to complete the education from the affiliated nursing school to get the Registered Nurse degree. You can go for any of the following types of education

  • Four years BSN degree
  • Two years ADN program
  • Three years diploma

Along with this one must have the clinical experience of one year as a licensed nurse in the area of his or her specialization to get into traveling nursing jobs. It is recommended that you must get two to three years of experience for the International travel nursing jobs. The requirement of experience vary with the specialization. Like LPN/LVN requires three years of experience where as for Psychiatric nurse job, Med-Surg and Rehab you need the experience of two years to get travel nursing jobs. Also clearing NCLEX-RN exam is must in USA. Along with this you will have to get the license of that particular state. You travel nursing company will help you in getting that.

Apart from the education and experience you must have a charming personality, easy to adapt nature and good communication skills.

Traveling nurse jobs is obtained through the travel agency or travel nursing companies that are tied up with the hospitals. Travel nursing companies not only help you in finding the travel nursing jobs but will also help you with the relocation, housing and registration with local authorities. But you will have to be very careful while choosing the travel nurse company as the services provided vary a lot from company to company. So always ask for the entire services that travel nurse agency or company is going to provide while giving the travel nursing job to you. Do ask for clinical support, type of health insurance and 401(k), type of housing, salary and associated benefits, work assignments and loyalty programs.

You can tell your requirement of travel nurse job to your travel nurse company so that can find the best suitable match. You can start your travel nurse jobs after accepting and processing of your job offer. This can take one week to one month’s time.

Benefits of Traveling Nurse Jobs
First of all travel nurse salary is more than the registered nurse working in the same hospital. Apart from this travel nurse will get the housing facility while on work by the travel agencies with basic furnishings of washer dryers, dishwashers etc. Housing stipend is given to the nurses who choose to live independently of travel agency. The amount of stipend is more than the actual wages or it can be substantial.

Along with this the travel allowances are also paid by the travel agencies that but the coverage of the travel cost vary. So you must inquire about this things before getting travel nursing job. Tax advantages are also given if the nurse maintain tax home while working in the traveling nurse job.

Salary
Travel nursing pay vary a lot and generally changes with the location, hospital need, housing cost of the area and negotiation ability of the traveler. Like you will find more travel nurse salary if you are given travel nursing jobs in north or west America than the southern American States. The RN travel nurse salary can be $40 per hour whereas surgical technologists, respiratory therapist and LPN will get pay close to $28 per hour. Some of the hospitals and travel agencies also give bonus that can reach to $6,000 and given at the end of the assignment.

You can also begin your traveling nurse job with your friend or family. So no need to worry about anything to begin the adventurous career as a travel nurse.

Same Day Cash Loans Make Life Much Simpler For Any Individual

Instant funds whenever you need it, sounds too good to be true? Do you wish life was as simple as this and you could get access to ready cash, whenever you were in a financial crisis? Well, your wish has been granted because same day cash loans are just what you need when you are in a financial crisis. Many a times, we face a cash shortage in between two consecutive paydays when our next salary cheque is still far off. The most convenient solution might be to ask our family or friends for a short term loan; however, that is not the most feasible. It is not the best solution to expose your financial status to all and sundry especially when you are in a financial tight spot. Also, opting for the traditional loans can be a time consuming process as it usually involves a tremendous amount of paperwork for the verification and loan approval. When you require cash to meet any urgent expenditure then time is of crucial importance and hence instant cash loans are the most suitable option for you.

Same day cash loans are convenient for the borrower in every way, beginning right from the loan application till the cash transfer to the borrower’s account. Many online websites provide the facility to get all information on the same day cash loans and apply through a simple online application form. The individual needs to fill in the basic, personal details and the executive from the lending company will get back to them promptly to verify the reason for loan requirement and other details. Once the approval has been granted, the loan is transferred to an account provided by the borrower, on the same day itself. Hence, this is the fastest way to get money when you need it for any urgent purpose or emergency expenditure.

The same day cash loans can be of any amount that you desire and are usually provided for a few weeks, so the burden of debt does not need to be on your shoulders for long. The repayment terms are also easy and flexible, as the borrower simply needs to provide a post dated cheque to the lending agent at the time of loan approval and the cheque amount will get transferred from the borrower’s account on the day that his next salary is credited. This arrangement makes it convenient for the borrower and less risky for the lender, as well.

Life usually comes to a standstill when you are running short of cash in between paydays as urgent payments cannot be made like that for a car repair or for any medical emergency. However, this scenario can be avoided with same day cash loans which have the provision for carrying out instant cash transactions to meet any urgent needs of the borrower. Like they say that money is not everything, but when we are facing financial crunch, then money definitely becomes one of the most important things so such instant loans come in handy at these times.

Perfect Beaches for Holiday Rentals in Murcia

Murcia, located along Spain’s Costa Calida, is known for its year-round warm, sunny climate which attracts holidaymakers to the region. With an abundance of villas for rent on resorts such as Polaris World’s Mar Menor Golf Resort, La Torre Golf Resort and El Valle Golf Resort tourists can rent luxury Murcia villas with private pools or affordable apartments and take full advantage of resort facilities such as communal pools, playgrounds, tennis courts and nearby restaurants.

If you’re planning on looking for holiday rentals in Murcia this summer make sure you explore the local area and visit the many beautiful beaches on offer. Murcia, also known as the Costa Calida in Spain offers over a hundred beaches for everyone to enjoy, whether you want to travel by boat to a picturesque deserted cove, or relax on a stretch of sandy beach to soak up the sun.

Simply travel a short distance from Murcia city to the coast to explore popular areas. Beach towns to visit include Mar Menor, San Javier, Cartagena, Mazarron, Aguilas, San Piedro del Pinatar and Lo Pagan. The Mar Menor in particular ( a large salt water lake effectively) is a really popular area to visit, with its warm Mediterranean waters and vast, golden beaches, shallow waters and small waves; Murciabeaches really cater for everyone.

Mar Menor beaches

Villa Nanitos

Located on the Costa Calida above Lo Pagan, the Villa Nanitos beach offers water skiing, volleyball, windsurfing and sea kayaking. Nearby are the mud baths of San Pedro del Pinatar; well worth a visit.

La Llana

Located on San Pedro de Pinatar, Mar Menor, this is a blue flag beach and can get busy during peak season. It is a long, sandy beach and foot showers are available during the peak season. The waters here are mild and so perfect to take a dip.

El Espejo

Another blue flag beach, El Esperjo can also be found on the Mar Menor coastline. This sandy beach is perfect if you fancy a spot of surfing, volley ball and kayaking. The waters here are calm.

Los Nietos

This is another popular Mar Menor beach. It offers 4km of long grey, sandy beach with shower facilities, as well as lots of restaurants and calm waters.

San Javier beaches

Euromanga

Euromanga beach is located in San Javier, Murcia. It’s typical of the La Manga stretch, which means its golden sands and pleasant waters attract many tourists and locals.

Castillicos

This San Javier sandy beach offers a picnic area, snack bar, accommodation, showers, beach cleaning and houses a Red Cross station. Lifeguards also patrol the area, and it’s also one of the safest beaches as it’s patrolled by local police.

Cartagena beaches

Cala Cortina

Close to Cartagena, this Murcia cove is located just a couple of minutes drive away. The locals will cycle and walk to Cala Cortina to enjoy a day of relaxation; spend a peaceful afternoon here with friends or family.

Calblanque

Calblanqueis a protected nature reserve, home to sandy beaches and coves. This beach is one of the few you are allowed to take dogs down to, so it’s advisable to keep away from the lower end of the beach if you wish to avoid the family pets. As it’s a protected area, there are no facilities like restaurants or bars, but there is a car park.

Cala Medina, Las Melvas and Levante

This group of three beaches are small beaches, with slightly less calm water. They range from sand to gravel to rock. There are restaurant services nearby, and it’s the perfect location if you fancy a spot of snorkelling.

El Portus

This is a very quiet beach in Cartagena. It’s sandy, and does offer showering facilities, but has limited disabled access as it’s difficult to reach.

El Belonte Grande and Salitrona

These two beaches in Cartagena are short and sandy, and are only accessible by boat or on foot, so they’re perfect if you’re looking for a quiet spot. These coves are very beautiful, surrounded by mountains with wild vegetation.

La Calera and San Gins

La Calera and San Gins are gravel and sand beaches, with calm water making them suitable for families. They offer reasonable facilities such as showers, as well as a few restaurants and shops nearby.

Mazarron beaches

Bolnuevo beach

Bolnueva beach is located at Mazarron, Murcia. This lovely golden sandy beach is great for families, and offers a picnic area, snack bar, showers and toilets. It’s also got a Red Cross Station and lifeguards on duty, in addition to offering water sport equipment for rent. It can get very busy during peak seasons, but generally isn’t quite as busy as other blue flag beaches along the Costa Calida.

Nares

Also located at Mazarron, Murcia, this golden sandy beach is great for children with its calm waters and shower facilities.

El Castallar

Facilities available: This beach is located near the town and harbour of Mazarron. El Castallar is a sandy beach, with lovely clean, calm waters. Although popular with families, this beach does not get quite as crowded as some other Blue Flag beaches in this region. Facilities include snack bars, restaurant, showers, telephones, beach cleaning, and a Red Cross point.

El Rihuete and Puerto de Mazarrn

These sandy beaches are perfect for families exploring the Mazarron area, with plenty of local shops and restaurants.

Aguilas beaches

Las Delicias

The sand and pebble beach of Las Delicias can be found in Aguilas, Murcia. It offers many facilities such as a snack bar, restaurant, showers and it also has a Red Cross station, is manned by life guards and patrolled by the local police, so it is an extremely safe beach to visit.

Poniente

This urban-setting beach offers a snack bar, restaurant, toilets, showers and parking. It’s a very popular beach in the summer months.

Calabardina

This beach is also located at Aguilas, Murcia. Its waters tend not to be as calm as other beaches in the region, making it more exciting for water sport enthusiasts. It offers a Red Cross point, parking and beach cleaning, and again, Calabardina can get quite busy.

Levante

Sizes at just over 440 metres, Levante beach offers a snack bar, restaurant, showers, a Red Cross station, lifeguards. Ideal for children, this popular beach is sandy, with calm waters.

Abejerro and Las Pulgas

If you’re after quiet sand and gravel beaches, head to Abejerro or Las Pulas in Augilas. These are both quiet, unspoilt beaches, unfortunately there are no facilities at either location.

Punta del Fraile

This beach is only accessible by foot and offers great, clear water for snorkelling.

Lo Pagan beaches

Villanitos

Villanitos can be found in San Piedro del Pinatar, Lo Pagan, Murcia. It has plenty of facilities available for use, such as snack bars and restaurants, toilets, showers, parking and if you want to take part in water sports, there is equipment available for rental. Calm waters and it’s large, mostly sandy beach make it very popular.

La Puntica

This is a sandy beach, with calm waters. Like many beaches in Murcia, La Puntica offers a restaurant, snack bar, showers, toilets, beach cleaning and a Red Cross station, and is patrolled by lifeguards and local police.

Lorca beaches

Bao de las Mujeres and El Ciscar

These beaches are located further south of the coast, at Lorca. They are both short beaches
, offering fantastic fishing opportunities as well as being perfect locations for swimming and snorkeling.