Tips on Finding and Booking Car Rental Specials on the Internet

May 15, 2016

Car rental specials are a great way to get a cheaper car rental. They allow car rental companies to get their vehicles booked in advance and allow you to save money!

You can access car rental specials through each individual company’s website or through booking sites such as Expedia, Hotwire, Priceline, etc. In doing some research, I found that the majority of the rates found on the booking sites were the same as the non-discounted rate through the company directly.

I would definitely check both to get the best rate possible. I did find cheaper rates with prepaid booking sites (where you pay for the rental up-front) but these usually allow no modifications or cancellations of the reservation. If you are booking through a prepaid booking site, make sure to read the terms and
conditions very carefully and keep these factors in mind when you are checking prices.

When you are checking a company specific website, check the rate first with no discount, then with a discount code (if you have one), and with the special offered by the company. This way you are sure to get the cheapest rate offered.

You should always check the terms and conditions for any specials to make sure that your particular rental qualifies.

Common terms and conditions are listed further down.

On the car rental company websites there are basic types of specials that most offer.

% Off Car Rental Specials

These types of specials can range from 10% to 50% off rates; usually weekly or weekend rates. Sometimes you will see seasonal specials or midweek specials or one-way specials.

Prepaid Car Rental Specials

Many rental companies will offer car rental specials if you prepay the reservation on their website. This will involve providing your credit card at the time of booking and the amount of the rental will be billed right away.

$ Off /Free Day Car Rental Specials

Many rental company websites offer $ off and or Free Day car rental specials. This would be considered an internet coupon offer. This can range from $5 – $50 off depending on the company and the length of the rental or the price per day if it is a Free Day offer.

Location Specific Car Rental Specials

Many companies will offer specials at either airport locations, neighbourhood locations or both. They may also offer car rental specials in specific cities at certain times.

The terms and conditions for most specials are:

Most specials are limited to specific car types and sizes, unless the special is for “all car sizes”.

Most specials have a minimum and a maximum rental period. Make sure that your rental conforms to these guidelines.

Most offers are not valid in conjunction with any other rate programs or special offers, and cannot be used with a coupon or on a one-way rental.

Any % off/ money off or free day specials will be on the base rate of the vehicle only, and will not apply to the taxes and surcharges at the location or any optional equipment or waivers that you may purchase.

Check for date restrictions. Most offers will require an advance reservation and are only available for a specified length of time. Look for terms such as

“Available through” a certain date (must be booked and rented before such date). This will sometimes be worded as “Offer expires by…” or “Rental must begin by…”

Look for the term “blackout dates” Most companies restrict their offer at peak times and holidays. Keep in mind that peak times can vary by location. If there is an annual large convention in a certain city and the rental locations are extremely busy they will generally blackout specials for that time. This
applies to large events as well (example: Nascar Events, PGA tour events, Mardi Gras, etc.) If the blackout dates are not listed, you should be able to call or contact the rental company to find out the specifics.

Most offers are available at “participating locations” and usually restricted to certain countries. Check to see if the offer is available at airport locations, urban locations, suburban locations or a combination of these.

Many companies do not offer specials in the New York are, Alaska or Hawaii. Check your terms and conditions for these restrictions.

For a prepaid booking special you will need to present the same major credit card you used to book the rental at the rental counter. The name on credit card and the name on the driver’s license must match. You cannot use someone else’s credit card to prepay your reservation.

For most prepaid car rental specials and advanced reservation is required. You usually have to book and prepay the rental at least 24 hours before you go to pick it up.

Debit cards are generally not accepted for prepaid reservations.

Even if you book a prepaid reservation online, you cannot cancel them online. You must call the company directly to cancel or modify. Keep in mind that if modifying, you are basically cancelling the reservation and rebooking; this will often affect your rate. Check to see if and what the cancellation and no-show policy is for prepaid car rental specials.

Many companies offer specials only available to subscribers – sign up for email notifications for any car rental companies you prefer.

For more tips on car rental specials,discount codes,coupons,policies and more, please visit my website below.

Over the Counter Age Spot Removers Are Bad For Your Health

May 23, 2016

Shopping for an over the counter age spot remover needs special attention. Reason being is there are products on the market in the United States that contain ingredients that may be harmful to ones health.

One such substance I have in mind when looking at over the counter age spot remover, is hydroquinone. This ingredient has been banned in EU countries because it is believed to be a cancer causing.

In 2006 the FDA here in the U.S. proposed a ban to get this off the shelves, but it hasn’t taken effect yet, and there is no date set for the proposal to be acted upon. I don’t know about you, but I would guess there are some big companies fighting that regulation – companies that would have a lot of money to lose if the proposal becomes law.

You’ll have to decide for yourself if you want to go to the drug store or department store and purchase a skin-lightening cream that contains this substance in it. You’ll be playing Russian roulette with your health if you do.

A better choice than using an over the counter age spot remover, is to go online or to your health market and find something that has Uncategorized ingredients that have been proven safe.

Nutgrass root is one such ingredient. It has been proven in clinical trials to lighten skin by up to 40%. This grass grows in the wild in India. It also has skin-anti irritant properties, so if you deal with sensitive skin, it will prove to be gentle and not cause any irritation.

The brown spots on your skin are caused by the UV rays form the sun. Free radical damage to the cells occur also when you spend too much time I the sun.

The best substance to fight free radical damage is CoQ10. This is a powerful antioxidant that will go to war against these cancer-causing agents. Look for a special nano-emulsion form of CoQ10 that will penetrate deep into the skin’s layers to help get rid of your wrinkles and fine lines.

So instead of reaching for the over the counter age spot remover looks for a skin whitening cream that will also work on other signs of aging like wrinkles and fine lines.

We all deserve to have smooth soft young looking skin; we just need to be cautious about using products that may harm our health. Read the product labels and be sure what you are putting on your skin won’t cause you health problems.

Remember what goes on your skin, will get into your blood stream. If you want more information about which ingredients to steer away from, check out my web site. There you can find out the ingredients not to use, and also what ingredients you should use.

Substitute To Smoking Electronic Using tobacco(elektroniske cigaretter)

May 17, 2016

It is a new invention that everyone who smokes should know. This is called the (cigarro electronico), also known as a smokeless cigarette e-cigarette(sigarette elettroniche), and it is to change the legal landscape for cigarette smokers in the world.
The patented Electronic Cigarette(elektroniskas cigaretes) offers to effectively simulate the experience of smoking a real cigarette, without any of the legal and health issues surrounding traditional cigarettes.

While(elektronines cigaretes) look, feel and taste much like traditional cigarette, they work very differently. You see, do not burn tobacco, but when you inhale an e-cigarette, you must enable a “flow censor,” which releases a vapor containing nicotine, propylene glycol and a scent that simulates the taste of tobacco. All this simply means that the(cigarros electronicos) allow you to get your dose of nicotine while avoiding all the carcinogens in traditional cigarettes such as tar, glue, hundreds of additives and hydrocarbons.
In addition to being healthier than conventional cigarettes, and perhaps most important, is the fact that(sigarette elettroniche) are perfectly legal. Sincse the cigarro electronico) is not related to tobacco, you can legally burn them anywhere that traditional cigarettes are prohibited such as bars, restaurants, workplaces, even airplanes. In addition, e-cigarette(cigarettes electroniques) you can smoke without fear of harming others because of cigarette(cigarro) smoking bad.

Cartridges are available in a wide variety of tastes and strengths of nicotine. For regular, menthol, also the apple and strawberry flavor cartridges and nicotine strengths come in full, a medium, light, and no. While elektroniskas cigaretes) are technically “alternative to smoking”, rather than smoking cessation device, the range of nicotine strengths offers clear opportunities to support those trying to quit smoking, and seems to be proving to be popular in these markets.

The nice thing about that you say, nicotine patches, that give the same tactile sensation and oral fixation that the desire of smokers, while satisfying the desires of snuff as well. When you take a drag n electronic cigarette really feel your lungs fill with smoke flavored snuff warm and the waves of smoke exhaled from your lungs as the regular snuff, however, as mentioned, the smoke is actually a lot more water vapor that evaporates quickly heals and not offend anyone in the vicinity.

Although the have been around for a while ‘in various incarnations, is of recent developments in technology and increased restrictions on smoking that have led the e-cigarette can be found in the new popularity. If you are interested in a healthier alternative to smoking, or if you just want the freedom to smoke wherever and whenever you want, the electronic cigarette could be the solution you’re looking for.

A Resource Buying Guide For Internet Marketers

May 19, 2016

The “make money online” crowd is probably the most actively targeted niche market on the internet. Which is quite ironic when you think about it; “The hunters become the hunted.” And it’s not surprising we are so serviced with offers continually, the truth is we are, on the whole, information junkies. We are suckers for a good ebook, report, or video.

The problem is that an over supply of internet marketing tools (even good ones) can leave you feeling overwhelmed, unproductive (too busy reading about internet marketing to actually DO any), and flat broke!

So how do we filter the offers we are bombarded with, so that we invest sanely in our education and resources?  Let me offer this simple “buying guide” to help.

When you boil it all down there are basically 4 different kinds of products on the market, and you have to be able to recognize them so you don’t waste your time and money:

1) Basic training guides & tools. Everyone needs some of these, but you don’t need to be buying 10 versions of the exact same information.

2) Advanced techniques. These are the “Shazaam!” products.  The ones with truly unique and creative ideas. If I can identify which ones these are, I’ll buy them all day long. If I can get ONE really good, repeatable idea, it is money in the bank.  The caveat, though, is you’ve got to actually implement them – otherwise you’re just wasting your money, and spinning your wheels.

3) Tools that make life easier.  These are OK if you’ve got disposable money to spend on them, but if you’ve got a limited budget (like most marketers that are still getting going) you’re probably better off spending it where it can be best leveraged for the most effectiveness.

Case in point: At the time that I’m writing this article I’ve been getting emails all week — I’ve had at least 15 just today – promoting a particular hot product.  The free teaser report is great — it includes a couple of really exciting ideas (see point 2).  However, when I looked at what is actually being offered in the main package – 8 software programs that collate information in various forms from around the internet — they’re all really cool tools, but they are nothing that you can’t already do yourself for free. Cool, but not necessary. Convenient, but not essential.

4) Snake oil. These are the products that are thrown together to make sales to newbies, but they do not work. They are bad advice. You’ll discover that usually the author hasn’t had any success with the method he’s teaching at all, but he can make a few bucks wasting other people’s time with it.

So, when you’re considering buying resources to help you build your online business, read the sales copy discerningly.  Honestly evaluate the product and classify it in one of the above 4 categories.  Then it’s a simple decision to make the appropriate response:

Category 1:  Buy it if you don’t already have a product covering the same topic, or if you are reasonably convinced that your understanding is going to be increased sufficiently to justify the investment.

Category 2:  Buy it, and DO something with it! Don’t procrastinate — take action.  Winners are taking imperfection actions while others are still formulating their “perfect” plans.

Category 3:  Buy it only if you have surplus cash, and don’t mind blowing some on a luxury — because that’s what it is.  Ask yourself, “Could I leverage the money I’m about to spend on this to better effect in my business?”

Category 4:  Click that little “x” button at the top of the browser window, and be proud of yourself that you’ve developed the wisdom and experience to stop wasting time with that kind of rubbish.  If you already bought it before you figured out that its “snake oil”, ask for a refund and chalk it up to experience.

Buying is far more an emotional decision for us than we “savvy entrepreneurs” would care to admit. Anything we can do to take pause and inject some thought into the process will save us time and money. This buying guide offers a place to start.

A New Sales Outlook

May 19, 2016
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Sales is a mindset. Equipment leasing brokers face far greater challenges than ever before. They are used to the sting of disappointment when a transaction is declined, but that familiar sting has turned into laceration infected with negativity. The changes in the marketplace are like a puncture wound to the collective psyche of salespeople and many are reacting like victims. When someone plays the role of victim, they often tell their troubles to anyone who will listen; if no one will listen, or if they decide to stay silent and not complain aloud, they tell their sad story to themselves in their head over and over. They see themselves as someone who’s been treated unfairly.

To be a truly productive, healthy salesperson, you need to stop feeling victimized. Replace negative reactions with a plan to keep you in a solid, peaceful state of mind, regardless of any drama going on around you.

Here are five simple ways to defeat negativity and create a new sales outlook:

Face The Truth

The first step to take is to face what is. Say to yourself “Right now, this is how it is. I can either accept it or make myself miserable.” Once you accept what is, you stop fighting against it and you clear your head to come up with creative alternatives. One of the best ways to face the truth is to look at your numbers. How many applications are you receiving on a daily basis? How many are declined? What is your average transaction size? How many applications would you need to receive based on your approval percentage and booking rate to meet your sales goals? Find out the answers to these questions, accept the answers and develop a strategy to make it happen.

Stick To The Facts

Cognitive Behavioral Therapy holds that what we think about an event is even more important than the event itself in determining our physical and emotional reactions. Stick to the facts and don’t make up stories. Debilitating thoughts like “I’m no good. I’ll never be any good. I just don’t have it.” Or “My business is wrecked” are stories. They limit you and prevent you from taking effective action. They let your emotions run the show. “I have $900 in my business checking account” is a fact. Fact facing is always empowering. The stories you make up in your head, to a large extent create the emotions that you feel. Sticking to the facts will stop the turmoil.

Respond Don’t React

There is a difference to responding rather than reacting. It’s like when a doctor says “You’ve had a bad reaction to the medication” vs. “Your body is responding well.” Or in parenting a reaction is “What did you do?” vs. the response “What happened?”

This relates to leasing because brokers who are exceptionally good at putting deals together don’t get caught up in negative reactions. They are completely present in their work. Not contemplating the past or the future they fully respond to what the present moment requires of them. For example, when deals are declined or funding sources won’t fund, they respond to the requirements of the new situation, and work to solve the problem.

A salesperson who is caught up in negativity may get angry and react in a resentful manner then use a large amount of energy in protest or anger. This alienates them from the funding source and carries destructive energy toward the lessee. This negative energy creates more problems so truly some sales people are their own worst enemies.

By responding and not reacting you give yourself the gift of awareness and if you do this often enough lightheartedness and good cheer return to your life.

Share Information

Sharing everything you know about a deal is especially important today. Brokers who hide data, specifically derogatory information will be cut off. The new mindset of sales people should be to share strategies and information to their coworkers and colleagues. When you share information you help other people to do their jobs better. Equipment leasing salespeople unknowingly sabotage their own work when they withhold help or information from others. The more information you communicate and the more you help other people to be successful, the more smoothly things flow. When you give little or no help to funding sources, or put obstacles in their path life becomes much more difficult for you and everyone around you.

Welcome Success

Some people react to someone else’s success as if that success had taken something away from them. When you resent another person’s success you restrict your own chances of success. In order to attract success, you need to welcome it wherever you see it. If a coworker lands a terrific vendor, be happy for them, celebrate with them, help them with their extra work. The more open and considerate you are the more you improve your ability to succeed.

Cookie Decorating and Cocktails: Themed Parties For the Holiday Season

May 17, 2016

The holidays are upon us, and one of the most timeless, beloved traditions is cookie decorating before Christmas time. Instead of setting aside an afternoon to bake batch after batch of Christmas cookies, why not plan a full-blown cookie decorating party to include friends and family?

How a Cookie Decorating Party Works

A cookie decorating party can work in one of two ways. You can ask all guests to bring their own favorite cookies, undecorated, to the party for a group decorating project. Or, you can ask guests to pitch in and make batches of cookies in your kitchen that you can all decorate together once they cool, fresh out of the oven.

For a smaller gathering with a few friends, baking cookies and decorating together will work well. For a larger party of five or more, it’s a better idea to ask guests to bring their own undecorated cookies so you don’t have to worry about squeezing a large group into a crowded, hot kitchen to bake cookies together.

To plan ahead, make sure that you have all of the necessary decorating supplies set up in advance in different stations throughout the room, including:

• Aprons or smocks
• Paper towels
• Tubes of icing in different colors
• Sprinkles and other assorted decorations
• Food coloring
• Small paintbrushes

From there, it’s time to get cracking! Guests can decorate plain cookies of their choice with different icings and assorted decorations, like sprinkles, chocolate chips, M&Ms, crushed peppermint, and more. You may also choose to splurge on fancy holiday cookie decorations like colored sugar, silver ball candies, and cinnamon hearts.

All of the decorations can be set up in individual bowls for use at each decorating station. Guests can also create their own colored icing with food coloring to paint different designs on each cookie using a small paintbrush.

Adult Beverages for Cookie Decorating

If this is an adults-only party, you have the perfect opportunity to pair holiday cookies with delicious seasonal cocktails to enjoy throughout the decorating process. Depending upon the type of cookies that you decorate, whether they’re plain sugar cookies, snickerdoodles, or even peanut butter cookies, you can pair your holiday drinks accordingly.

Decorated holiday sugar cookies will go well with a warm beverage like Irish Coffee or spiked cider. You can also make a large batch of alcoholic holiday punch with flavors of cinnamon, cloves, and nutmeg, served chilled and topped with a splash of cranberry juice and sparkling wine.

For more flavorful cookies, like peanut butter or snickerdoodle, serve a refreshing holiday favorite like mulled wine, peppermint martinis, or rich yet satisfying alcoholic eggnog.

For an adult-themed cookie decorating holiday bash, make sure to provide guests with the convenience of arranging transportation to and from the venue with a limo rental or luxury town car. This will allow guests to ride safely to and from the party destination so that they can enjoy a few holiday cocktails without having to worry about driving home at the end of the evening. ‘Tis the season!

Some General Information On Car Rentals

May 14, 2016

If you are planning to take a vacation in the near future then you might want to consider driving down to the destination of your choice instead of having to spend a lot of money on air fare and other travel options. Driving down gives you a slight modicum of control over your travel plans. You can leave anytime you want to without having to keep to a specific schedule. You save money because the amount of money you spend on renting the car and on the fuel can be shared by all the people who are travelling with you. And, you don’t have to worry about ticket availability during peak season travel.

Renting a car can be a very simple process. All you need to really figure out is how many people will be travelling so that you can get a car that can seat everyone together and also accommodate the luggage that you will be carrying. Once you have this information and a certain budget thought out you can visit the local rental companies and ask around about the various vehicles they have as well as the fee that each charges. If you really want to enjoy you travel as much as your destination then you can opt for a large variety of RVs.

Comparing and contrasting the various quotes from different companies can allow you to make the most savings. If you decide to travel on weekdays and days that are not holiday dates then the prices can be desirably low. you can even get discount coupons and vouchers from printed media or off the internet to help you save a tidy sum that can be put towards activities when you reach your destination!

Tips To A Cheap Bathroom Remodeling

May 25, 2016

Most homeowners think of remodeling their bedroom and bathroom at least every year but they neglect to see the importance of remodeling a bathroom. This part of the house is most likely to be neglected even if it is one of the most important room in the house. The bathroom is the only place wherein homeowners get to clean themselves not only that but the bathroom can be a solitary place wherein one can relax and get cozy after a hard day’s work or after a stressful day with the kids. So, why neglect this part of the house? If you plan to remodel your house but do not have enough budget to include the bathroom do not worry because you can still remodel your bathroom even if you are tight on budget.

Those who have smaller bathroom are lucky because it is easier to remodel smaller bathroom compared to larger bathrooms. The only problem with smaller bathrooms when remodeling is the trick in making the room look larger than it actually appears. The good news about remodeling smaller bathrooms? it cost less compared to giving a larger and luxurious bathroom a facelift. Here are simple tips on how to maximize your small amount of money so that it will go a long way in bathroom remodeling:

-Know what you want in a bathroom. Know if you want a powder room, a sauna room/bathroom, bathroom in a dressing room or a full bath. Big or small bathroom these two need almost the same thing: you need to take into consideration the type of flooring you want to have, ventilation of the room (this would include the exhaust fan as well as the windows), decide on the type of bathroom cabinetry you would want to bring in the bathroom and other bathroom furnishings. A tip for those homeowners who have smaller bathrooms is to use furniture or furnishings that are either multi-functional or that can be hang on the wall to maximize the space.

-Remodel the bathroom yourself. If you do the job yourself you can save almost 50% of the total amount from the expenses. Research through magazine and online articles on tips on how to remodel a bathroom. If you are unsure about the task you can do the easy ones like the demolition, flooring and painting and you can hire a pro to do the rest of the job.

Enjoy your Devon holiday in a luxury cottage

May 23, 2016

The charming county of Devon is the ideal place to spend a vacation, whether it is a weekend getaway for a couple, family or friends. The wealth of diversity offered in Devon is unrivalled in England – there is so much to do here whether you wish to ramble through nature’s creations or indulge in more active sport. The list of attractions in Devon is endless, which is why visitors can never get enough of the place, and return to Devon time after time.

If you are a beach and water sports fanatic, Devon is ideal for you. There are so many beaches to list, but here are a few. Blackpool Sands has a Blue Flag award for cleanliness and provides breathtaking views; Slapton Sands has a great car park and is dog friendly; Bantham Beach is one of the best sandy beaches in Devon and is perfect for sandcastle making.

Devon also has several famous Rivers – River Dart is one of the most popular and is referred to as the ‘most beautiful river in England’. Here you can enjoy fishing and the scenery while going on a boat ride. There are numerous sporting activities for enthusiasts in Devon – the most popular include fishing, horse riding and golf.

If you prefer visiting historic towns and sites, then Devon has so much in store for you. Historic towns include Totnes, Ashburton, Dartmouth, Salcombe, Exeter and Plymouth to name a few. These towns have fascinating old buildings, houses, castles and gardens. Some of the most visited properties in Devon include Dartington Hall, Buckland Abbey, Castle Drogo, RHS Rosemoor Gardens and Saltram House.

There are several types of accommodation available in Devon.

From hotels to cottages, bed and breakfast establishments to apartments, camping to caravans, the options are numerous. A stay in a luxury cottage in Devon is one of the many ways that one can enjoy Devon, and guarantees that your holiday will be perfect.

Self catering luxury cottages in Devon are ideally located either close to the coast or else in the beautiful countryside. Either way, you can enjoy Devon in style. Cottages come with bedrooms and bathrooms which are comfortable and well equipped and come complete with kitchen, living room and dining room furniture. Typical luxury cottages in Devon come with several facilities such as TV/DVD players, washer/dryer, full cooker, fridge, freezer, dishwasher, garden furniture and sun umbrellas.

Online Savings – 10 ways to save money this week

May 12, 2016

They want to save money, without all your time? ‘re In the right place. Save time and money with these links. Here are ten things you can do to save money right now.

1. Add online savings groups. There are hundreds of online forums, in conjunction with others who want to save. Have links to printable coupons for free, saving newsletters, sales and market knowledge and time.

2. Start clipping coupons. Yes, couponsback. The bond that producers of an economy in decline. You want to continue using their products to consumers and to keep the scoring head.

3. Shop with coupons. Several retail chains have special clothing coupons that are good for now slow. Many of them are in the morning or afternoon to work on weekends, so that consumers can also take advantage of discounts.

4. Do not buy! If you think you want something, you take the time to decide whetheror not.

If you wait 24 hours and still want an item, then buy. You’ll probably forget all about this cute pink blouse, as the day goes.

5. No food. You can save $ 50 – $ 100 a week from packing lunch or dinner in the country. There are some free sites that offer excellent food ad budget.

6. Bill to pay online to save postage. Almost all banks and utilities are free payment options online.

7. Start the revocation orSubscriptions do not use anymore.

8. Check your wireless plan. Most companies offer a change of provider that you save money. When not at the moment, you can get $ 30 a month, except in the case of a revision of its package of mobile telephony.

9. Parking. If you really do not need to make additional trips.

We are so conditioned to jump in the car and ran. Shopping Group tours and shopping in one day. Save time andMoney.

10. Keep a list of all the goods or services costing more than $ 10, you must buy this week. Check the list twice, if you really need to online billing to see if the manufacturer does not offer discounts or coupons before you buy.

Peter Pan Costumes for Kids Who Never Grew Up

May 14, 2016

You can fly, you can fly, you can fly! Let your imagination fly to new heights with one of a variety of quality Peter Pan costumes this year. Whether you’d like to dress as Peter himself (and remember that Peter Pan on Broadway was always played by a woman!), Tinkerbell, Captain Hook, or Tiger Lily, it doesn’t matter if you’re looking for a costume for a man, woman, children, or baby, you’ll be able to find just the Peter Pan outfit and accessories that will make Neverland come to life for you.

A man or boy’s Peter Pan costume comes with an olive green tie-up shirt, brown pants, wide brown belt, and pointy green hat with a feather. It’s one of those costumes suitable for all ages, because, after all, Peter Pan was the boy who never grew up. As we all know, there’s still a lot of boy inside of every man, and this can be your chance to get in touch with it. Accessories that you can purchase extra in order to really capture the Peter Pan look include green felt elf shoes, pointy ear tips, and a fencing sword that will come in handy for fighting with pirates.

Another great costume for men and boys is Captain Hook. With the boys’ model you get the red jacket with sash, black pants, and a white dickey. To further accessorize the outfit, a hat with a plume, black boots, a hand hook, and a fencing sword are all options. The man-sized costume features a long red coat with gold trim, a white ruffled jabot, and a hook. Other accessories can be purchased which include a Captain Hook Wig, a hat, sailor’s pants, and high black boots. A word to the wise to anyone wearing this costume, though – watch out for crocodiles!

Women and girls have a lot of different Peter Pan costume choices. They can choose to be Peter in a feminized version of the traditional outfit or select from many different Tinkerbell costumes and accessories. A typical Tinkerbell outfit includes the traditional green petal-skirt dress and a pair of sheer wings. Optional accessories include silver Tinkerbell shoes, a glitter wand, and a faux diamond tiara. Costumes for her have never been so sparkly or so feminine. Tinkerbell outfits are also available for infants. If they’d like something a little different, they can also opt to dress as Tiger Lily, the Indian princess.

Commercial Real Estate – Sales Success on Step at a Time

May 20, 2016

In commercial real estate agency, we tend to look at the end result of the sale or the lease with perhaps too much focus. There is a lot of work to be done as real estate agents before we get to the end result. The more effective we are with the stages leading through the sale, the easier the end result is to achieve.

To create more opportunity for yourself as a real estate agent, it is best to consider and refine at your actions one step at a time. Thinking and planning each step is a good way to go.

The real estate business is really quite simple. It does however require total dedication to the separate stages of the process in order to become the market leader. Consider these stages:

  1. A prospecting model that you use every day to generate new business opportunity with qualified prospects.
  2. Meeting lots of local people who could potentially have an interest in commercial real estate in selling, renting, occupying or owning.
  3. A presentation process that hits the mark every time with the people that you have qualified in and around the local area. Include facts about the local market and its prices, results, competition, time on market, and property solutions available.
  4. A listing model that identifies the right target market that the marketing campaign can be built around with great effect. If you do not know your target market you cannot sell or lease the property in a timely way.
  5. A marketing model that is reliable and direct to attract enquiry for the property quickly and effectively. Every property is unique so the marketing should also be specially designed for the property.
  6. An inspection process that is designed to the property and picks up the key features of the property for the buyers or tenants as the case may be. To do this you have to know the property well.
  7. A negotiation system that gets qualified prospects onto paper so you have something to negotiate with. Verbal offers are difficult to negotiate because you really have nothing to work with. Get the offer on paper before you do anything with it.
  8. Enforceable legal documentation for the deal should be accurately and quickly drawn up for the parties concerned. Slow documentation creation or completion will kill a deal faster than anything else.
  9. When the deal is signed up, it is never really finished; on that basis is pays to stay with the deal to the very end. Hurdles and obstacles will develop as you move through the time between documentation and settlement.

When you work in commercial real estate it is the levels and stages above that will bring the results for the salesperson. Refine and specialize your actions and processes in each of the stages. On that basis you will get more of the right results coming through.

Online Payday Loan – How Do I Find Lenders?

May 10, 2016

There are so many websites and articles online talking about payday loan but how will borrowers know who is a lender and who is an information provider to save their valuable time? You might have been stuck on your way and you need cash to help you fix your car and get on the move, how do you find a lender that will credit your account in less than 60 minutes? There are so many cash advance service providers with this service but how do you find the one that will give you fair interest rate package? Here is how you can get up to $1,500 dollars instantly with low repayment rate.

If you need instant cash to fix your cash needs, all you need to do to get the fastest solution to your cash trouble is to look for payday loan lenders in your state, compare their packages and choose the most moderate interest rate package. With lenders in your state, you can easily get your account credited with the needed amount with less time and the interest rate will be a bit lower Compare to lenders from other states or lenders out side your country.

It is not advisable to apply for payday loan in UK why you live in the U.S. you and I know that the service will be slow and the interest rate will be higher due to the risk the borrower is exposed to. So for you to get the best payday loan package, you have to consider the lenders in your state.

How to Choose an Effective Carpet Cleaning Company For Your Home

May 15, 2016

The carpet cleaning industry is super competitive. You only have to look in all of the direct mail pieces that you receive every day to realize how cut-throat this market can be. So how do you, as a consumer make sense of all of these offers? How do you pick a company which is reputable, isn’t going to rip you off and most importantly, is actually going to do what they are supposed to: CLEAN your carpets!

First, it is worth taking a look at the different methods that companies will use to clean your carpets. The 3 best known types of carpet cleaning are:

  • dry cleaning
  • hot water extraction
  • steam cleaning

Dry Cleaning

Dry cleaning has a bad rap all over the internet for carpet cleaning. The process involves spraying down the dry cleaning solution and then take a floor buffer (like the ones you see janitors use) with their preference of pad on the bottom and buff your carpet. The rotary motion of this method will fray the tips of your woven or braided carpet fibers. It will also remove some of the dirt or spots on your carpet but what the pad won’t pick up will only smear the dirt over a greater area creating what we call leveling. Many of the companies providing this service frequently need to offer a 1 year warranty on carpet cleaning touch ups, in order to give confidence to the consumer.

Hot Water Extraction

Hot water extraction is a more effective way of cleaning carpet but it has its downfalls. The first problem is the misrepresentation of the word “steam” by these companies. Steam is created when the temperature exceeds 212 degrees and anything below this is only hot water. These companies will advertise steam cleaning or even have it implemented into their company name. Unfortunately the only way to truly know is to flat out ask: “how hot does your water get?” The second problem is not only do they use sub par temperatures they also run a soap “known to professionals as alkaline but its the same thing” through the hot water. If you clean with soap water then there is soap being left behind which causes spots to reappear and cause the entire carpet to get dirty faster due to the dirt attracting power of soap. This also causes their customers to call much more frequently. So the more they clean your carpet then the more soap that is being accumulated into the fibers. Imagine skipping the rinse cycle on your washing machine or not rinsing off your dishes! Also the design of the carpet cleaning machines using this method loses precious vacuum due to the foaming in the tanks. Less vacuum means more soap and dirt being left behind.

Steam Cleaning

Now we get to the best method of cleaning carpet, Steam cleaning. Instead of using dry cleaning solution or soap to help break down the oils and stubborn spots, the best companies will use an orange extract. The cleaning agent in this is landolin and the citrus acid in it also neutralizes the Uncategorized alkalinity of water. For those who didn’t know tap water does have a slight bit of alkaline in it. The water should be run through a water softener to remove hard water minerals so that the water used to clean with, is often cleaner than the tap water (some people have reverse osmosis water systems installed into their home). The contractor then sprays all the carpet about to be cleaned with the orange peel extract then steams it and everything else back out with 250 degrees of steam. 250 degrees is the optimum temperature due to the temperature drop from the machine to your carpet (when steam travels though the hoses it cools down). It usually fluctuates 20-30 degrees by the time the steam reaches your carpet (depending on weather). This leaves nothing behind but the cleanest carpet possible. This procedure is safe for elderly, babies, puppies/kittens and people with allergies. Also note that since there is no foaming of the machine due to soap, it allows them to hold a constant maximum vacuum lift.

Another big problem that consumers frequently have with the industry is how companies charge for their services. Due to the competitive nature of the market, there are lots of misleading offers to tempt you.

With most companies you will find that they will tell you the cheapest price possible so that you will schedule them, only to be surprised once they arrive at your home that they nickel and dime you. For instance some companies will charge for “deep cleaning”, the company apparently decides that your carpet is dirtier than normal? Or they’ll tell you that each and every spot needs some sort of special spot remover. All of these extras can add considerably to your final bill!

The only additional costs that could arise should be bio hazardous material removal, excessive soap removal, water extraction (i.e. flood damage), filtration (soot caused by smoke), moving of furniture, or stain guarding the carpet.

Like anything, you get what you pay for and you will usually find that companies that are charging seemingly low prices:

  1. are not using REAL STEAM
  2. are dry cleaning
  3. have few vans that can actually create steam
  4. are not insured
  5. use contract labor. (No background checking or drug testing. You don’t know who or what is going to be in you home basically.)

Hopefully this article will help homeowners to see the difference between the different carpet cleaning companies and importance of fully understanding exactly what you are going to get when you bring one into your home. 

The Kinds Of Car Keys To Choose From

May 20, 2016
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The automotive industry has come a long way and today car keys are no longer the old style mechanical cut versions. Of course there are several brands that still use this form of keys, but there are numerous other versions out there as well. In mechanical keys, they are machine cut as the name suggests and are more popular with brands such as Ford, GM or even Chevrolet. There are quite a few truck models too that works with these forms of keys. Despite the numerous models of cars on the road, the machine cut continues to be a favourite.

The next version you have is the laser cut automotive keys. These are the advanced versions of the machine cut keys and are also called the sidewinder or the internal cut keys. They have a square edge which have matching cuts on either side. These can fit into a car’s ignition any way you like. Their advantages are that they are not easy to pick and will need specialized help. There is a unique software used in its production and those manning the machines will need specialized training as well. These are found in luxury brand cars like that of Mercedes as well as Audi.

There are several other popular styles of car keys available. You have the transponder keys that have a minute computer chip inserted in the key handle. This is for additional ignition security and to prevent the key from being forged. There is the remote or the switchblade form of transponder keys.

Then you have the smart keys which have a laser cut key that is built in. These kinds of keys gives the driver the flexibility of entering the car and starting it without actually taking the key out of his pocket. Then you have what is known as the VATS keys. This has a unique chip on the blade which though not electronic in nature, has got the name.

And then you have what are known as valet keys. These are given along with a regular transponder key. There is however a slight modification to it, where you can open doors and ignition, but not a locked boot or trunk. These can be made out of plastic or metal.

There are several varieties of keys and the kind you get will depend on the kind of vehicle you pick up. This is essential to the safety of your car and you.

Buy Electronic Cigarette! Need Reason? Read This!

May 16, 2016

It’s a fact that every cigarette smoker around the world is often flooded with all the off-putting information about the usage of cigarettes and there is a defensible reason to justify this negative perception among people related to usage of cigarettes. It’s simple! Being the key cause of cardio vascular diseases, high BP, diabetes, lung cancer, and other major illnesses, tobacco cigarettes emit second hand smoke that is proved to have hostile medical effects.

This negative perception derived from unpleasant medical effects from tobacco based cigarettes, has resulted in the invention of an alternative to conventional cigarettes. These are called vapor cigarettes, or e cigarettes. Coming in fancy E-Cigarette kits, along with other tiny counterparts, which when put together, activates the gadget for use as an e- cigarette, Electronic cigarette is a battery powered device and does not need a match or lighter for use, but rather requires a charger to recharge the battery. Additionally, an e-liquid filled cartridge replaces the tobacco that is found in traditional cigarettes. This e-liquid is then burnt forming a flavored vapor, while the cigarette is being smoked giving the exact pleasure to the smoker as in real cigarette.

Now comes the best part: Traditional tobacco based cigarettes emit a second hand smoke resulting in the intake of carbon monoxide which is considered as a silent killer. Whereas, an electronic cigarette produces only a flavored vapor without any toxic chemicals in it and this is what make E-Cigarette kits completely safe and environment friendly.

E-Cigarettes do contain nicotine, but without any cancer carcinogens like tar. Also, since there is no flame involved, there are no possibilities for fire to occur from the usage of E-Cigarette kits. While deciding to buy electronic cigarette, it is utmost important to understand the features these modern devices possess. Furthermore, if you are novice and are planning to buy electronic cigarette, it is highly recommended to go for 1 piece E-Cigarette kits that are disposable and are good for people who are not yet sure, if this is something for them.

Cost cutting on cigarete expenditure is also one of the major reasons why many people these days prefer to buy electronic cigarette. Though E-Cigarete kits have not still been tried and tested to help in cessation of the habit completely, it is still a worthy decision to buy electronic cigarete, since they are completely safe in use and are environment friendly too.

Men Encouraged to Enter Nursing Profession and Fill Travel Nurse Jobs

May 28, 2016

Nursing has been a traditionally female dominated career as well as a commonly held stereotype that nursing is for women only. With the ever rising shortage of nurses, male and female, the nursing staffing agencies as well as nursing schools are strongly encouraging more men to join the profession and also fill travel nurse jobs throughout the country.

Although it does not matter whether women or men care for patients, as long as professional and ethical care is provided, men only comprise about 6 percent of all nursing positions, according to recent federal statistics. Even with job loss and nursing shortages, travel nurse jobs for men are still lower than women; however, men are strongly encouraged to enter the nursing and medical fields to fulfill the current nurse shortage.

Because men bring a different perspective when working in the nursing field, nursing schools and colleges are looking to fill more nursing positions with men. Nursing colleges and schools are now catering their brochures, textbooks and other classroom materials for male and female students. These changes include photos of both men and women, and descriptions of the field with references to both men and women. Thus more male students are entering an otherwise female dominant career, and this influx will likely increase the number of men who choose travel nurse jobs too.

Men receive the same benefits as women including health insurance, nursing pay, advancement opportunities and many even opt to become travel nurses after a year of experience in the field. Male nurses and travel nurse jobs employ thousands of men and women every year in hospitals, private physicians’ offices, medical labs and schools; men and women are needed for every type of travel nurse job throughout the country.

Not only should men have a current and impeccable resume when applying for a travel nurse job, but they should also carry a portfolio. Most portfolios contain professional licenses, CEU’s completed, professional recommendations, a written record of personal values and beliefs about nursing and competency of one’s skills in the field. One of the critical elements of a portfolio is the person’s reflection of the theory, evidence, actions and experience of caring for a patient and interactions with family members. When men choose a medical staffing agency for a travel nurse job, a portfolio can be an important component for placement with a medical staffing agency recruiter. More clients of medical staffing agencies are looking for portfolios which provide a living document of an applicant’s competency, skills and experience to share with their clients.

Another travel nurse job opportunity for men is the high turnover rate in hospitals, which can be sometimes as high as 50-70 percent depending on the location. Travel nurse jobs in such types of hospitals, more than medical offices, allow a greater opportunity for men to fill needed positions. According to a Thomas Group survey, replacing a nurse position could cost as much as $25,000 as well as the reduction in time loss and care for patients. Medical staffing agencies are increasingly seeing a greater need for travel nurses in hospitals not only in rural areas, but also larger towns and cities.

If you are a man looking to enter a rewarding career, then consider a career in nursing. If you are a male and are actively looking to change careers and want to travel, then consider a travel nurse job. The nursing profession offers many personal rewards as well as monetary benefits for permanent placement nurse jobs as well as travel nurse jobs and per diem jobs in a variety of hospitals and other medical facilities.

Men who want to enter the nursing field should research for an accredited nursing school or college, depending on the type of license they want. The difference between a Licensed Practical Nurse (LPN) and a Registered Nurse (RN) is the length of college training. While many men and women start an LPN training certificate, RN’s can fill both LPN and RN positions. Registered Nurses normally require two to four years of education and passing the national exam for registered nurses, NCLEX-RN exam. There are several sources for help with studying for the national exam both online and print. Give your medical staffing agency a call to discuss any further questions you might have.

So You Want to Be a Travel Nurse?

May 28, 2016
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Nursing and other medical careers are in boom. With a generation of baby boomers going into retirement, they are not only leaving openings in the medical profession, but they are also requiring more medical care. Nurses are in short supply already, and demand is expected to rise over the next decade by 50% or more. With that in mind, many that are going into nursing now are wondering about the option of becoming a travel nurse.

Contracts may be from a number of months to a year. Travel nurses are able to go to different cities or states. Many traveling nurses are able to see different parts of the country and enjoy the “Nomadic” lifestyle. They are able to go to different parts of the country for different seasons, gain experience in a variety of settings, and settle down when they are ready.

For the new nurses, especially the young with no children, this can present a wonderful opportunity. Imagine being able to spend a winter in Hawaii, or a summer in Maine. You can discover what part of the country you love, if you prefer the rural or urban settings. Not only do you gain a vast amount of experience, but also most of the hospitals that hire traveling nurses either rent a modest apartment for you, or provide you a housing allowance. Depending on the need of the hospital, you may also get an advance to make sure that will help cover your relocation expenses.

Becoming a traveling nurse is no different than becoming a regular nurse. The college courses are the same, the training and certifications are the same. You should always check to make sure that your certifications will transfer over from your current location to the one that you are wanting to relocate to. It is normally not a problem, and the hospitals will assist you in getting any additional certification that you need. Most states allow a nurse to grandfather over their certification from other states.

With the increased use of online colleges, traveling nurses are able to continue their education. Travel is no longer a problem for continued education. This new mobility is a great advantage. Education and experience are the building blocks for career advancement. Taking advantage of this can make the difference when you decide to settle down in a single location.

What kinds of people take these travel positions? Normally they are younger, single professionals. They vary in experience from newly graduated to years of experience. These professionals, that do not mind working odd shifts, holidays, and have a perfect opportunity to earn a great deal of money, while getting to travel. This sort of lifestyle has great potential. If you think you are the type of person that would enjoy this sort of career, it is up to you to take the first steps to find out more.

Get That Perfect Pair of Horse Boots to Enjoy a Smooth Ride!

May 23, 2016

People fond of riding horses very well understand the importance of good horse boots. A horse riding boot is footwear worn for the purpose of riding on horses. Classic riding boots have been used since ages immemorial and refer to those that rise as high as the knees to protect the legs from being pinched by the leathers of the saddle. These boots also have a well-built toe that protects the rider’s feet when on the ground, and are also combined with high heels prevent riders from slipping through the stirrup.

But again all boots are not the same. There are several different kinds of horse riding events or sports and there are different boots to go with it. Wearing the correct horse boots for a specific sport or style is an essential element for each horse rider. It has been seen all throughout history that most societies have used horses combined with special clothing and boots in order to make best user of the horses. There are different sorts of boot styles and a very famous one amongst those is paddock boots. These boots have always been associated with aristocracy and luxury and have been worn by very famous people. Paddock boots use laces on the front and a heel.

Though there are various sorts of riding boots; horse boots are mainly divided into two categories, namely English and Western. The English boots are made with soft leather that is of high quality. English boots consist of different styles like tall boots that come up to your knees and paddock boots that come just above the ankle and provide the lower leg with more flexibility. The long ones also come in different styles and look quite graceful.We also have Jodhpur boots that are worn with Jodhpur trousers that come down to the ankles.

The Western boots are also available as long and short types. They are normally made of leather with a solid heel and sometimes have a decorative pattern on the calf area. Western boots always will come up to your calf. These are usually made of cowhide but sometimes even materials like alligator or snakeskin are used. Perfect and suitable horse boots are very important both for the rider as well as the horse to avoid accidents and injuries.

Health Savings Accounts – An American Innovation in Health Insurance

May 11, 2016

INTRODUCTON – The term “health insurance” is commonly used in the United States to describe any program that helps pay for medical expenses, whether through privately purchased insurance, social insurance or a non-insurance social welfare program funded by the government. Synonyms for this usage include “health coverage,” “health care coverage” and “health benefits” and “medical insurance.” In a more technical sense, the term is used to describe any form of insurance that provides protection against injury or illness.

In America, the health insurance industry has changed rapidly during the last few decades. In the 1970’s most people who had health insurance had indemnity insurance. Indemnity insurance is often called fee-forservice. It is the traditional health insurance in which the medical provider (usually a doctor or hospital) is paid a fee for each service provided to the patient covered under the policy. An important category associated with the indemnity plans is that of consumer driven health care (CDHC). Consumer-directed health plans allow individuals and families to have greater control over their health care, including when and how they access care, what types of care they receive and how much they spend on health care services.

These plans are however associated with higher deductibles that the insured have to pay from their pocket before they can claim insurance money. Consumer driven health care plans include Health Reimbursement Plans (HRAs), Flexible Spending Accounts (FSAs), high deductible health plans (HDHps), Archer Medical Savings Accounts (MSAs) and Health Savings Accounts (HSAs). Of these, the Health Savings Accounts are the most recent and they have witnessed rapid growth during the last decade.

WHAT IS A HEALTH SAVINGS ACCOUNT?

A Health Savings Account (HSA) is a tax-advantaged medical savings account available to taxpayers in the United States. The funds contributed to the account are not subject to federal income tax at the time of deposit. These may be used to pay for qualified medical expenses at any time without federal tax liability.

Another feature is that the funds contributed to Health Savings Account roll over and accumulate year over year if not spent. These can be withdrawn by the employees at the time of retirement without any tax liabilities. Withdrawals for qualified expenses and interest earned are also not subject to federal income taxes. According to the U.S. Treasury Office, ‘A Health Savings Account is an alternative to traditional health insurance; it is a savings product that offers a different way for consumers to pay for their health care.

HSA’s enable you to pay for current health expenses and save for future qualified medical and retiree health expenses on a tax-free basis.’ Thus the Health Savings Account is an effort to increase the efficiency of the American health care system and to encourage people to be more responsible and prudent towards their health care needs. It falls in the category of consumer driven health care plans.

Origin of Health Savings Account

The Health Savings Account was established under the Medicare Prescription Drug, Improvement, and Modernization Act passed by the U.S. Congress in June 2003, by the Senate in July 2003 and signed by President Bush on December 8, 2003.

Eligibility –

The following individuals are eligible to open a Health Savings Account –

– Those who are covered by a High Deductible Health Plan (HDHP).
– Those not covered by other health insurance plans.
– Those not enrolled in Medicare4.

Also there are no income limits on who may contribute to an HAS and there is no requirement of having earned income to contribute to an HAS. However HAS’s can’t be set up by those who are dependent on someone else’s tax return. Also HSA’s cannot be set up independently by children.

What is a High Deductible Health plan (HDHP)?

Enrollment in a High Deductible Health Plan (HDHP) is a necessary qualification for anyone wishing to open a Health Savings Account. In fact the HDHPs got a boost by the Medicare Modernization Act which introduced the HSAs. A High Deductible Health Plan is a health insurance plan which has a certain deductible threshold. This limit must be crossed before the insured person can claim insurance money. It does not cover first dollar medical expenses. So an individual has to himself pay the initial expenses that are called out-of-pocket costs.

In a number of HDHPs costs of immunization and preventive health care are excluded from the deductible which means that the individual is reimbursed for them. HDHPs can be taken both by individuals (self employed as well as employed) and employers. In 2008, HDHPs are being offered by insurance companies in America with deductibles ranging from a minimum of $1,100 for Self and $2,200 for Self and Family coverage. The maximum amount out-of-pocket limits for HDHPs is $5,600 for self and $11,200 for Self and Family enrollment. These deductible limits are called IRS limits as they are set by the Internal Revenue Service (IRS). In HDHPs the relation between the deductibles and the premium paid by the insured is inversely propotional i.e. higher the deductible, lower the premium and vice versa. The major purported advantages of HDHPs are that they will a) lower health care costs by causing patients to be more cost-conscious, and b) make insurance premiums more affordable for the uninsured. The logic is that when the patients are fully covered (i.e. have health plans with low deductibles), they tend to be less health conscious and also less cost conscious when going for treatment.

Opening a Health Savings Account

An individual can sign up for HSAs with banks, credit unions, insurance companies and other approved companies. However not all insurance companies offer HSAqualified health insurance plans so it is important to use an insurance company that offers this type of qualified insurance plan. The employer may also set up a plan for the employees. However, the account is always owned by the individual. Direct online enrollment in HSA-qualified health insurance is available in all states except Hawaii, Massachusetts, Minnesota, New Jersey, New York, Rhode Island, Vermont and Washington.

Contributions to the Health Savings Account

Contributions to HSAs can be made by an individual who owns the account, by an employer or by any other person. When made by the employer, the contribution is not included in the income of the employee. When made by an employee, it is treated as exempted from federal tax. For 2008, the maximum amount that can be contributed (and deducted) to an HSA from all sources is:
$2,900 (self-only coverage)
$5,800 (family coverage)

These limits are set by the U.S. Congress through statutes and they are indexed annually for inflation. For individuals above 55 years of age, there is a special catch up provision that allows them to deposit additional $800 for 2008 and $900 for 2009. The actual maximum amount an individual can contribute also depends on the number of months he is covered by an HDHP (pro-rated basis) as of the first day of a month. For eg If you have family HDHP coverage from January 1,2008 until June 30, 2008, then cease having HDHP coverage, you are allowed an HSA contribution of 6/12 of $5,800, or $2,900 for 2008. If you have family HDHP coverage from January 1,2008 until June 30, 2008, and have self-only HDHP coverage from July 1, 2008 to December 31, 2008, you are allowed an HSA contribution of 6/12 x $5,800 plus 6/12 of $2,900, or $4,350 for 2008. If an individual opens an HDHP on the first day of a month, then he can contribute to HSA on the first day itself. However, if he/she opens an account on any other day than the first, then he can contribute to the HSA from the next month onwards. Contributions can be made as late as April 15 of the following year. Contributions to the HSA in excess of the contribution limits must be withdrawn by the individual or be subject to an excise tax. The individual must pay income tax on the excess withdrawn amount.

Contributions by the Employer

The employer can make contributions to the employee’s HAS account under a salary reduction plan known as Section 125 plan. It is also called a cafeteria plan. The contributions made under the cafeteria plan are made on a pre-tax basis i.e. they are excluded from the employee’s income. The employer must make the contribution on a comparable basis. Comparable contributions are contributions to all HSAs of an employer which are 1) the same amount or 2) the same percentage of the annual deductible. However, part time employees who work for less than 30 hours a week can be treated separately. The employer can also categorize employees into those who opt for self coverage only and those who opt for a family coverage. The employer can automatically make contributions to the HSAs on the behalf of the employee unless the employee specifically chooses not to have such contributions by the employer.

Withdrawals from the HSAs

The HSA is owned by the employee and he/she can make qualified expenses from it whenever required. He/She also decides how much to contribute to it, how much to withdraw for qualified expenses, which company will hold the account and what type of investments will be made to grow the account. Another feature is that the funds remain in the account and role over from year to year. There are no use it or lose it rules. The HSA participants do not have to obtain advance approval from their HSA trustee or their medical insurer to withdraw funds, and the funds are not subject to income taxation if made for ‘qualified medical expenses’. Qualified medical expenses include costs for services and items covered by the health plan but subject to cost sharing such as a deductible and coinsurance, or co-payments, as well as many other expenses not covered under medical plans, such as dental, vision and chiropractic care; durable medical equipment such as eyeglasses and hearing aids; and transportation expenses related to medical care. Nonprescription, over-the-counter medications are also eligible. However, qualified medical expense must be incurred on or after the HSA was established.

Tax free distributions can be taken from the HSA for the qualified medical expenses of the person covered by the HDHP, the spouse (even if not covered) of the individual and any dependent (even if not covered) of the individual.12 The HSA account can also be used to pay previous year’s qualified expenses subject to the condition that those expenses were incurred after the HSA was set up. The individual must preserve the receipts for expenses met from the HSA as they may be needed to prove that the withdrawals from the HSA were made for qualified medical expenses and not otherwise used. Also the individual may have to produce the receipts before the insurance company to prove that the deductible limit was met. If a withdrawal is made for unqualified medical expenses, then the amount withdrawn is considered taxable (it is added to the individuals income) and is also subject to an additional 10 percent penalty. Normally the money also cannot be used for paying medical insurance premiums. However, in certain circumstances, exceptions are allowed.

These are –

1) to pay for any health plan coverage while receiving federal or state unemployment benefits.
2) COBRA continuation coverage after leaving employment with a company that offers health insurance coverage.
3) Qualified long-term care insurance.
4) Medicare premiums and out-of-pocket expenses, including deductibles, co-pays, and coinsurance for: Part A (hospital and inpatient services), Part B (physician and outpatient services), Part C (Medicare HMO and PPO plans) and Part D (prescription drugs).

However, if an individual dies, becomes disabled or reaches the age of 65, then withdrawals from the Health Savings Account are considered exempted from income tax and additional 10 percent penalty irrespective of the purpose for which those withdrawals are made. There are different methods through which funds can be withdrawn from the HSAs. Some HSAs provide account holders with debit cards, some with cheques and some have options for a reimbursement process similar to medical insurance.

Growth of HSAs

Ever since the Health Savings Accounts came into being in January 2004, there has been a phenomenal growth in their numbers. From around 1 million enrollees in March 2005, the number has grown to 6.1 million enrollees in January 2008.14 This represents an increase of 1.6 million since January 2007, 2.9 million since January 2006 and 5.1 million since March 2005. This growth has been visible across all segments. However, the growth in large groups and small groups has been much higher than in the individual category. According to the projections made by the U.S. Treasury Department, the number of HSA policy holders will increase to 14 million by 2010. These 14 million policies will provide cover to 25 to 30 million U.S. citizens.

In the Individual Market, 1.5 million people were covered by HSA/HDHPs purchased as on January 2008. Based on the number of covered lives, 27 percent of newly purchased individual policies (defined as those purchased during the most recent full month or quarter) were enrolled in HSA/HDHP coverage. In the small group market, enrollment stood at 1.8 million as of January 2008. In this group 31 percent of all new enrollments were in the HSA/HDHP category. The large group category had the largest enrollment with 2.8 million enrollees as of January 2008. In this category, six percent of all new enrollments were in the HSA/HDHP category.

Benefits of HSAs

The proponents of HSAs envisage a number of benefits from them. First and foremost it is believed that as they have a high deductible threshold, the insured will be more health conscious. Also they will be more cost conscious. The high deductibles will encourage people to be more careful about their health and health care expenses and will make them shop for bargains and be more vigilant against excesses in the health care industry. This, it is believed, will reduce the growing cost of health care and increase the efficiency of the health care system in the United States. HSA-eligible plans typically provide enrollee decision support tools that include, to some extent, information on the cost of health care services and the quality of health care providers. Experts suggest that reliable information about the cost of particular health care services and the quality of specific health care providers would help enrollees become more actively engaged in making health care purchasing decisions. These tools may be provided by health insurance carriers to all health insurance plan enrollees, but are likely to be more important to enrollees of HSA-eligible plans who have a greater financial incentive to make informed decisions about the quality and costs of health care providers and services.

It is believed that lower premiums associated with HSAs/HDHPs will enable more people to enroll for medical insurance. This will mean that lower income groups who do not have access to medicare will be able to open HSAs. No doubt higher deductibles are associated with HSA eligible HDHPs, but it is estimated that tax savings under HSAs and lower premiums will make them less expensive than other insurance plans. The funds put in the HSA can be rolled over from year to year. There are no use it or lose it rules. This leads to a growth in savings of the account holder. The funds can be accumulated tax free for future medical expenses if the holder so desires. Also the savings in the HSA can be grown through investments.

The nature of such investments is decided by the insured. The earnings on savings in the HSA are also exempt from income tax. The holder can withdraw his savings in the HSA after turning 65 years old without paying any taxes or penalties. The account holder has complete control over his/her account. He/She is the owner of the account right from its inception. A person can withdraw money as and when required without any gatekeeper. Also the owner decides how much to put in his/her account, how much to spend and how much to save for the future. The HSAs are portable in nature. This means that if the holder changes his/her job, becomes unemployed or moves to another location, he/she can still retain the account.

Also if the account holder so desires he can transfer his Health Saving Account from one managing agency to another. Thus portability is an advantage of HSAs. Another advantage is that most HSA plans provide first-dollar coverage for preventive care. This is true of virtually all HSA plans offered by large employers and over 95% of the plans offered by small employers. It was also true of over half (59%) of the plans which were purchased by individuals.

All of the plans offering first-dollar preventive care benefits included annual physicals, immunizations, well-baby and wellchild care, mammograms and Pap tests; 90% included prostate cancer screenings and 80% included colon cancer screenings. Some analysts believe that HSAs are more beneficial for the young and healthy as they do not have to pay frequent out of pocket costs. On the other hand, they have to pay lower premiums for HDHPs which help them meet unforeseen contingencies.

Health Savings Accounts are also advantageous for the employers. The benefits of choosing a health Savings Account over a traditional health insurance plan can directly affect the bottom line of an employer’s benefit budget. For instance Health Savings Accounts are dependent on a high deductible insurance policy, which lowers the premiums of the employee’s plan. Also all contributions to the Health Savings Account are pre-tax, thus lowering the gross payroll and reducing the amount of taxes the employer must pay.

Criticism of HSAs

The opponents of Health Savings Accounts contend that they would do more harm than good to America’s health insurance system. Some consumer organizations, such as Consumers Union, and many medical organizations, such as the American Public Health Association, have rejected HSAs because, in their opinion, they benefit only healthy, younger people and make the health care system more expensive for everyone else. According to Stanford economist Victor Fuchs, “The main effect of putting more of it on the consumer is to reduce the social redistributive element of insurance.

Some others believe that HSAs remove healthy people from the insurance pool and it makes premiums rise for everyone left. HSAs encourage people to look out for themselves more and spread the risk around less. Another concern is that the money people save in HSAs will be inadequate. Some people believe that HSAs do not allow for enough savings to cover costs. Even the person who contributes the maximum and never takes any money out would not be able to cover health care costs in retirement if inflation continues in the health care industry.

Opponents of HSAs, also include distinguished figures like state Insurance Commissioner John Garamendi, who called them a “dangerous prescription” that will destabilize the health insurance marketplace and make things even worse for the uninsured. Another criticism is that they benefit the rich more than the poor. Those who earn more will be able to get bigger tax breaks than those who earn less. Critics point out that higher deductibles along with insurance premiums will take away a large share of the earnings of the low income groups. Also lower income groups will not benefit
substantially from tax breaks as they are already paying little or no taxes. On the other hand tax breaks on savings in HSAs and on further income from those HSA savings will cost billions of dollars of tax money to the exchequer.

The Treasury Department has estimated HSAs would cost the government $156 billion over a decade. Critics say that this could rise substantially. Several surveys have been conducted regarding the efficacy of the HSAs and some have found that the account holders are not particularly satisfied with the HSA scheme and many are even ignorant about the working of the HSAs. One such survey conducted in 2007 of American employees by the human resources consulting firm Towers Perrin showed satisfaction with account based health plans (ABHPs) was low. People were not happy with them in general compared with people with more traditional health care. Respondants said they were not comfortable with the risk and did not understand how it works.

According to the Commonwealth Fund, early experience with HAS eligible high-deductible health plans reveals low satisfaction, high out of- pocket costs, and cost-related access problems. Another survey conducted with the Employee Benefits Research Institute found that people enrolled in HSA-eligible high-deductible health plans were much less satisfied with many aspects of their health care than adults in more comprehensive plans People in these plans allocate substantial amounts of income to their health care, especially those who have poorer health or lower incomes. The survey also found that adults in high-deductible health plans are far more likely to delay or avoid getting needed care, or to skip medications, because of the cost. Problems are particularly pronounced among those with poorer health or lower incomes.

Political leaders have also been vocal about their criticism of the HSAs. Congressman John Conyers, Jr. issued the following statement criticizing the HSAs “The President’s health care plan is not about covering the uninsured, making health insurance affordable, or even driving down the cost of health care. Its real purpose is to make it easier for businesses to dump their health insurance burden onto workers, give tax breaks to the wealthy, and boost the profits of banks and financial brokers. The health care policies concocted at the behest of special interests do nothing to help the average American. In many cases, they can make health care even more inaccessible.” In fact a report of the U.S. governments Accountability office, published on April 1, 2008 says that the rate of enrollment in the HSAs is greater for higher income individuals than for lower income ones.

A study titled “Health Savings Accounts and High Deductible Health Plans: Are They an Option for Low-Income Families? By Catherine Hoffman and Jennifer Tolbert which was sponsored by the Kaiser Family Foundation reported the following key findings regarding the HSAs:

a) Premiums for HSA-qualified health plans may be lower than for traditional insurance, but these plans shift more of the financial risk to individuals and families through higher deductibles.
b) Premiums and out-of-pocket costs for HSA-qualified health plans would consume a substantial portion of a low-income family’s budget.
c) Most low-income individuals and families do not face high enough tax liability to benefit in a significant way from tax deductions associated with HSAs.
d) People with chronic conditions, disabilities, and others with high cost medical needs may face even greater out-of-pocket costs under HSA-qualified health plans.
e) Cost-sharing reduces the use of health care, especially primary and preventive services, and low-income individuals and those who are sicker are particularly sensitive to cost-sharing increases.
f) Health savings accounts and high deductible plans are unlikely to substantially increase health insurance coverage among the uninsured.

Choosing a Health Plan

Despite the advantages offered by the HSA, it may not be suitable for everyone. While choosing an insurance plan, an individual must consider the following factors:

1. The premiums to be paid.
2. Coverage/benefits available under the scheme.
3. Various exclusions and limitations.
4. Portability.
5. Out-of-pocket costs like coinsurance, co-pays, and deductibles.
6. Access to doctors, hospitals, and other providers.
7. How much and sometimes how one pays for care.
8. Any existing health issue or physical disability.
9. Type of tax savings available.

The plan you choose should according to your requirements and financial ability.

BIBLIOGRAPHY

1 Questions and Answers about Health Insurance- A Consumer Guide’ published jointly by the Agency for Healthcare Research and Quality (AHRQ)and America’s Health Insurance Plans (AHIP)
2 http://www.en.wikipedia.org/wiki/Health_savings_account
3 2002 AHIP Survey of Health Insurance Plans
4 “How High Is Too High? Implications of High-Deductible Health Plans” Davis, Karen; Michelle Doty and Alice Ho. The Commonwealth Fund, April 2005
5 http://www.fdhc.state.fl.us/schs/pdf/hsa_tri-fold_brochure.pdf
6 HSA/HDHP CENSUS 2008 by Hannah Yoo, Center for Policy and Research, America’s Health Insurance Plans
7″HEALTH SAVINGS ACCOUNTS Early Enrollee Experiences with Accounts and Eligible Health Plans” John E. Dicken Director, Health Care.
8 Thomas Wilder and Hannah Yoo, “A Survey of Preventive Benefits in Health Savings Account (HSA)Plans, July 2007,” America’s Health Insurance Plans, November 2007
9 Gladwell, Malcolm, “The Moral Hazard Myth”, The New Yorker (29-08-2005)
10 2008 Benchmark Survey HAS Bank
11. Employer Health Benefits 2007 Annual Survey, Kaiser Family Foundation
12. Health Savings Accounts and High Deductible Health Plans: Are They An Option for Low-Income Families?Catherine Hoffman and Jennifer Tolbert for Kaiser Family Foundation, October 2006
13. Medicare Prescription Drug, Improvement, and Modernization Act of 2003

Bright Smiles With Cosmetic Tooth Veneers

May 10, 2016

There is nothing like a dazzling smile to set your face aglow – it reflects good health and confidence. And that’s why each of us wants to have a perfect set of teeth. Even, straight and white teeth no longer need to be something you dream of, you can have a set of teeth just like a movie star with cosmetic tooth veneers. Did you imagine that all celebrities are born with a perfect set of teeth? That is not true, but the fact that getting cosmetic tooth veneers is easy, painless and fast has made it very popular.

Cosmetic tooth veneers: What are they and why would you need them?

A strong, thin layer of porcelain “shell” is placed over your teeth and permanently bonded to your Uncategorized teeth with the help of a resin adhesive, in order to create perfectly formed teeth that can be as white as you please. Veneers are durable and resist stains and you can enjoy your beautiful teeth for several years. Your dentist can guide you on whether you are a right candidate for veneers after a consultation followed by a detailed examination, but most common conditions like gaps between teeth also known as diastema, broken or chipped teeth, misaligned teeth or stained teeth can be corrected.

Here’s how cosmetic tooth veneers are placed.

After removing a small part of the enamel to make space for veneers, your dentist will take an impression of your teeth in order to fabricate tooth veneers that are an exact replica of your own set. On your next visit, your dentist will put a mild solution on your teeth that helps the veneers stick to your teeth more efficiently. A tooth coloured bonding material is applied next, and the tooth veneers are attached to your Uncategorized teeth one by one.

Are cosmetic tooth veneers high maintenance?

Just as your teeth, veneers can’t endure forceful impacts and can get damaged by biting nails, ice or other hard objects. Cosmetic tooth veneers should be cleaned like your Uncategorized teeth. Brush your teeth twice a day and floss once a day to remove food debris to prevent buildup of plaque and dental decay. It is also recommended to visit your dentist regularly for cleaning and examination. You need to take good care of your teeth veneers so that they last several long years. Your dentist would advise you about recommended oral products and also give you tips to maximise the life of your tooth veneers.

How to Find a Reliable Auto Insurance Company?

May 28, 2016

Car insurance has turned out to be a necessity rather than a luxury for many. Instead of just having the option to enjoy the luxury of peace of mind, there are a number of states where vehicle insurance is a legal requirement imposed by the respective state governments. The reason is to reduce (or completely eliminate) financial and personal losses.

Some insurance companies will try to attract you with their marketing gimmicks, such as prizes and gift hampers. They are most likely to be fake companies.

Though the need for car insurance companies is rising, there are many companies that are fake entities. Therefore, the search for a reliable company and the purchasing of insurance policy gets tricky. No one wants to be tapped with frauds, and thus wants to get straight to the target. The following steps will help vehicle owners make informed decisions regarding the vehicle insurance companies:

Search Online

Information Technology has indeed simplified millions of tasks. You are no longer required to visit the company offices personally. All you need is to get connected to the internet and search for vehicle insurance companies in your region. You will get a list to choose from. Some companies also offer their auto insurance quotes online, thus further facilitating prospective clients.

List, Compare, Filter, and Qualify

Now that you have a list of insurance companies and also the auto insurance quotes from their online search, you are good to compare them against each other. Look for those that offer most attractive quotes in terms of coverage, premiums, etc. You can now shortlist them to finally qualify the best insurance company among all the given options.

Ask Questions

Upon final decision as to which company you want to buy your vehicle insurance policy from, it’s time to visit the office personally so that formalities can take place. Since it is about a financial investment, you should not hesitate to ask questions. Ask whatever comes in your mind regarding the policy, such as the repair coverage, medical coverage, premiums, limits of coverage, exclusions if any, etc.

Beware of Confusions and Ambiguities

If you have any confusion regarding the terms and conditions of the vehicle insurance policy, clarify themes then and there. Don’t waste your time. You must not have any ambiguity prior to buying the insurance policy.

Watch Out for Marketing Gimmicks

Some insurance companies will try to attract you with their marketing gimmicks, such as prizes and gift hampers. They are most likely to be fake companies.

Overcoming Linguistic Hurdles in International Business With Professional Translation Services

May 27, 2016

Language barriers are among the biggest hurdles in today’s global marketplace. While communication technology is improving continuously, the need for accurate human understanding continues to be paramount, despite the latest technological innovations in communication. All the investments in state-of-the art communications devices can come to naught if you run up against a language barrier.

Without proper knowledge and use of language no social institution can function properly, and conducting a profitable business in a foreign country is next to impossible.

Globalization and global communication have made it easy now to advertise and market your products and services all across the world. However, in order to conduct business smoothly in a foreign country, you need to understand the cultural diversity that prevails in your target markets. Using professional language translation services is one of the basic and necessary ingredients in order to succeed abroad. Today the world has become a small global village in which the demand for translations service providers is rising exponentially to keep pace with globalization.

If you want to expand your market and sell your products and services internationally, you need to promote your product in a language that is understandable by the population you are targeting. Translations service providers make every aspect of your business comprehensible for your target audience. To conduct business internationally, you will need to get a wide range of documents translated, starting with product catalogs, brochures or manuals.

For instance, if you are planning to launch a range of products in a new market in a foreign non-English-speaking country, you will need to package your products, prepare the marketing collateral and advertising material in the language of your target country.

In addition, when you start operations in other countries, there are various legal documents that need to be completed and filed. These legal documents may include a wide range of corporate, marketing, sales, purchasing and collaboration agreements, they may also include tenders, labour contracts, affidavits, patent applications and more. Since translating legal documents is a complex task, it is imperative that you select a professional translation company, which may be a translation service in Vancouver or a translation firm in Toronto that provides professional translations done by carefully selected translators who specialize in legal documents.

Apart from legal documents, there are numerous financial documents that may need to be translated so that you can conveniently share crucial financial information with business partners, lenders and financing partners as well as shareholders in foreign countries. Financial documents can range widely and include annual reports, financial statements, sales projections, investor updates, investment proposals, insurance claims, and many more.

Similarly businesses dealing with pharmaceutical manufacturing, medical equipment manufacturers and insurance agencies turn to translation services providers to translate various medical documents such as clinical trial documents, pharmacology test reports, instruction manuals, patients records, packaging labels of medical equipments, medical questionnaires and charts and more.

Marketing is another subject that will require professional translation services. If you have a website and you want people to buy products or services from your website, you have to get your web content translated in the language which your target audience understands. Suppose you are a Toronto-based publisher and want to sell your publications in China, your website would need to feature both languages, an English version and Chinese version. To develop content for the site and other marketing material such as catalogs, etc., you would need to hire a reliable translation Toronto company.

Whether you need legal translations, financial, medical or other translations, make sure to approach a professional and reputable translation service provider, which could be providing translations services in Toronto or offering translations in Vancouver that ensures that all your translation needs will be handled by translation experts in your particular subject matter.

The Most Profitable Business Sectors in 2010

May 14, 2016

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.

Really Simple Tips to Bathroom Remodeling

May 19, 2016

Bathroom remodeling can take many different forms depending on your budget and the time you have allotted yourself. People tend to think that this has to be long drawn out project, but that just isn’t the truth any more with the new products that are being released in the home improvement industry. We have some simple tips to make bathroom remodeling pain-free and most of all fairly quickly.

Appearance is usually the main reason that most people decide to do some bathroom remodeling. One of the quickest and easiest ways to change the look of your bathroom is replacing the faucets. This can include both the sink and the bathtub. Today’s faucets are very nice and depending on the type of money you want to spend you could go all the way up to 24K gold ones. Any upgrade though makes a big difference. The tile is another thing that many people are doing to update and take their bathroom remodeling to another level. These tiles can be used on the walls of the bathtub or the walls of the bathroom. They come in a variety of shapes, sizes, colors, and even designs. They adhere to the wall usually with glue and make any bathroom stand out.

Carpeting is another simple thing that really can make that bathroom remodeling project stand out. Most bathrooms have tile floors which mean laying carpet can really be a breeze with today’s innovations. Carpeting now comes in squares where you can just peel back the paper and they will stick right to the floor. They come in various colors and textures and can be cut with a utility knife to fit around tight places. If you don’t want to spend a lot for carpeting this is something that you could try. Wallpaper is another quick fix for your bathroom. In fact wallpaper has become so much easier over the years you can have your bathroom wallpapered in just one afternoon. Designs and colors are a lot better so you should have no problem matching up your bathroom’s decor with wallpaper.

Now one other thing that seems really popular is bathtub replacement. People think you have to rip the bathtub out but now they have where you can put a liner over the top of the old one. You get a brand new looking tub without the high cost associated with it. Most people are starting to realize that bathroom remodeling doesn’t mean you have to rip down the walls or tear out everything to have a different looking bathroom. These small steps outlined above can be done in a weekend and the cost isn’t as great as you would imagine. As we have less and less time to do home projects we are going to go the route of using smaller projects to get the desire affect we want.

Bathroom remodeling as you can see many times can be done in steps. There are a few other tips that also should be considered before you start any project. Have a good idea what you want to do and stick to it. Finish one thing before heading to something else. Secondly stay within a budget so you know exactly what you are spending. Third always remember to have fun as this is your home and in the end you have the final decision with how it looks. As long as you’re happy with the bathroom remodeling that’s all that really matters in the end.

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