Get the Best Price For Your Car – Tips on How to Increase Your Car Value Cheaply

May 23, 2016

When it comes to selling your much loved pride and joy or in some cases simply a means to an end there will always be that niggling feeling in the back of your mind wondering if the buyer of your car will notice some of the little quarks, faults or downsides that we know exist. Hopefully none of these should be too drastic so you should stop thinking about the least price you would accept; instead you should focus on getting the best price for your car using a few simple techniques that will win the buyers heart.

Assuming all the documentation is in order and the car is fully road legal without any bits hanging off or that make the vehicle look unsightly or badly damaged there is no reason why you shouldn’t expect to get the best price for your car.

Firstly and fairly obviously, though there are some that might overlook it, make sure that the car is clean, not just clean as in that will do clean, but a clean car that is worthy of a showroom. Here it is about finishing touches.

Here are some simple finishing techniques that only use a bit of effort, but are free and make a big difference to the overall appearance of the car once the rest is washed, cleaned, hoovered, and hopefully polished.

  • No smeary windows, clean the insides with a 80% – 20% water to vinegar solution and buff dry with a newspaper or antistatic cloth
  • The above also applies to mirrors, internal and external
  • Remove ANY stickers from rear window and clean off residue adhesives using water – vinegar mix
  • For best results on exterior glass use car polish not glass cleaners – wash glass first
  • The front window should only be cleaned with a warm moist chamois leather and wiped over with a newspaper or antistatic cloth
  • Clean and wash any ashtrays if smoking has taken place in the car
  • Clean headrests and tops of seats as this is so often overlooked
  • Clean internal handles and switches and clean any visual cavities
  • Wash and polish the door-shuts and metalwork on insides of doors as well as boot/trunk and inside the bonnet/hood
  • Take everything out of the vehicle that is not relevant to the vehicle. Only the documentation and a box of tissues should remain

These small details will make a big difference and will certainly help you get the best price for your car not only that, but they shouldn’t cost you anything to do.

Additionally there are also some tips that can be used on how to increase your car value cheaply and without a lot of effort on your part.

Not all of the below will be relevant to your car, plus the outlay for some of the below items should be added to the value of your car and you should be able to recoupe within the sale. This will mainly depend on age, overall value, and type of vehicle you are selling.

  • Ripped or damaged seats should be covered by car seat covers
  • Rips, burns, or stains on carpets should be covered by suitable rubber or material mats throughout
  • Boot floor damage should also be covered with moulded boot/trunk mat
  • Replace old tax disc holder for new round magnetic type – circles have cleaner lines
  • Highly clean tailpipe of exhaust or buy and fix on a tailpipe chrome cover or covers
  • If there is something internally missing such as a cigarette lighter or such like, try and replace it
  • Where possible make sure all bulbs and switches work
  • Any rusty nuts etc in engine bay should be sprayed with WD40

For some reason a car tends to look better overall when the windows and wheels are immaculate. We have already focused on the windows so now it’s time to spruce up the wheels and tyres.

  • Buy and fit mud-flaps or get them fitted by your local tyre fitters
  • Buy and fit chrome dust covers, car type where possible
  • Buy and fit new wheel center caps stylish and current where possible
  • Jet-wash wheels to clean inside as well, unless they have any flakey paint then hand clean only
  • Wash and clean tyres, when dry apply some tyre paint using a paint brush not spraying on and only use sparingly as will fly onto car bodywork when driven. Do not drive for a couple of hours after application

All these things will certainly increase the value of your car and get the best price for your car, but there is no substitute for regular care and upkeep of your car. This alone will maintain good value throughout the vehicles lifetime. The longer cars and car parts are left un-cleaned the harder it will always be to get clean and achieve a desirable finish.

Above all else, be sure that the car smells nice on the inside, this includes the boot/trunk…

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.

What to Expect From a Bespoke Internet Marketing Service

May 23, 2016

What would you expect from a company that promises a bespoke, tailor made, Internet Marketing Service for your business? You’d expect something that had a slightly individual feel to it I think! Bespoke or package; the elements are very broadly similar. As a business you will know your market reasonably well following your market research. This should be followed up by very focussed keyword research. Once levels of competition and user intent are understood, it is possible to look at your existing website and identify it’s strengths and weaknesses in terms of ranking for identified and desirable keywords. With a new website you have the opportunity to map its design around the keywords that really give you a chance to compete, right from day one. In the modern era of internet marketing it is also necessary for almost all serious online companies to get engaged with social media to raise their profile. In detail the recommended process is set out below.

Initial Data Gathering and Keyword Research

A solid starting point needs to be established so that the success of each part of a tailored SEO project can be judged and strategies adjusted, to ensure that a client website attains and then remains on the first page of any Search Engine’s Results Page. The recommended steps would be.

Part 1 Establishing Your website’s Current Optimisation Status

a)Google Analytics (or your own solution) review:

It is essential to understand how much web traffic has already been arriving at your business website, the sources of that traffic and the actions that visitors have taken on landing. Google Analytics or your own analytics solution will give a clear picture of where you currently stand and areas that need to be developed.

b)Keyword Research:

Frequently neglected… and even more often misunderstood. This aspect, of all Internet marketing strategies, is critical when companies move their resources online. Keywords represent the questions asked by your customers and prospects; so your online presence must play to what people are searching for: i.e. your landing page must provide the best answer to their questions. Establishing the keywords that are used to search for your services and products, plus the ability to gauge the competitiveness of each; allows the next step of the process to be much more targeted than with our standard packages.

c) Website SEO Review:

Your SEO company will carry out a thorough review of your existing on-page and off-page optimisation. In plain English, the on page factors include such things as: ensuring all your header tags use the appropriate keywords; ensuring page titles reflect content and keywords: ascertaining the degree to which the content of each page is relevant to your business activities and that it is relevant to those keywords. Part of the that review will assess your webpages for accessibility via mobile devices and tablets.

Off page factors to be reviewed include: the number and quality of the backlinks that point to your domain and the individual pages of your website. They will also assess the quality and optimisation of Google places listings and map listings in other search engines, as well as determining your company’s visibility in business and other relevant directory listings around the web.

This will be presented as either a text report or frequently these days, a screen video report, if you prefer.

Part 2 Improving Your Rankings and Getting Top Google Placements.

Using the information gleaned in the previous research, your consultants will help you develop a strategy tailored to your website, your business and your best customers. The business of optimising your online presence and then making you more visible to your ideal prospects rarely brings instant results. Search engine optimisation needs to be an ongoing process: it’s a bit like keeping the garden watered. Like most gardens this needs a significant chunk of work up front and then regular maintenance for best results. SEOs and the search engines have a strange symbiosis. This results in the search engine algorithms constantly being tweaked so that SEO companies are, quite rightly, prevented from completely gaming Google. The constant tweaks by the search engines, the ever-changing competition and frequent changes in legal frameworks result in a situation where, once front page rank has been obtained, it needs constant maintenance.

Part 3. Social Media Management Strategy

Business ignores the world of social media at its peril. There are so many success stories rooted in the successful application of social media sharing that it is no longer a NEW thing. Facebook with its 500 million regularly and active members, online for over an hour a day, is the most obvious and well documented marketplace. Google spokesman Matt Cutts has let it be known to the SEO community that the Google algorithm is now taking more notice of the signals provided by Twitter, Facebook and the other social networks that identify the trustworthiness and engagement of companies, characters and organisations with their customers. Social media now provide huge leverage for your reputation management, word-of-mouth recommendation and as a source of traffic to your website. The plethora of social platforms and microblogging sites; added to the interconnectedness of many of them leads to the possibility of a huge viral effect of the most favourable kind for your business. Businesses know well that the best form of advertising is word-of-mouth from satisfied customers: Facebook, Twitter and LinkedIn are the 21st-century word-of-mouth channels. They are now, a crucial aspect of any Internet marketing strategy whether your company is purely online or a traditional bricks and mortar enterprise.

Internet marketing service companies are able to assist your company in developing a coherent strategy to raise your profile and promote your brand to your target market. The bespoke aspect is down to the way in which the consulting company will adjust their approach to the subtly different dynamics of each customer group, developing a truly individual presence on the web.

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.

Use of Social Media in Small Business Internet Marketing

May 22, 2016

Social media participation is helpful in small business internet marketing when you apply the technique with a Uncategorized flavor. You should fix the goal before you start the activity by applying various tactics. You must have a clear idea about the nature of social media that you are going to employ in the tactic.

a) Estimation of the target market. You should go through various reports and facts to know competitors’ activities. It provides the inclination of customers in your trade so that you are able to identify the correct section of visitors. Find out blogs that are relevant to your trade and the relative influence that they enjoy on customers.

Guest blogging is a wonderful activity through which you can involve customers in direct conversation on the related niche. Learn about the influence of social media through reports and find success stories of many online businesses. For example, start conversing with clients on subjects that are truly contemporary and also relates to your topic. You will be able to find all the data in different social media sites and there are thousands of them, but you must pick up the right ones for the campaign. When you start putting helpful materials in blogs, you will begin receiving responses. If you contribute efficient content, you start getting fresh traffic to the targeted website.

b) Estimation of the competitor activities is a vital point to steer your way to fruitful results. Find out about what your competitors are involved in through checking their sites and various social media sites. Spend a reasonable time to understand the background and collect valid information about the trade from time to time. Maintain a gentle patience to recognize the competition in the particular segment.

c) Self-Estimation. You should check the responses of readers that respond in blogs. Valid comments on posts help create a relationship with the reader. Blog commenting is a great way to achieve volume of traffic to your website. If you admire a blog, do not hesitate to praise the blogger for it. It creates bondage and you are also recognized in return.

d) Communication is the main food of the technique for social medial participation. When you are communicating with customers, you should talk about their interest to draw attention from them. You are able to build business relationship with customers. Guest blogging and blog commenting help gain admiration from customers when practiced in a regular manner. Talk in the general term and not on the particular product. Try to cover the entire area of the product to cover the overall space. Use the platform of Twitter for creating a positive reflection of the company, but do not overdo it. Create video and use Utube for the marketing purpose through strong, but a short content. Expand the social media coverage as you can without any prejudice, but within the relevancy norm.

Maintain the quality of the content in blogs or guest posts so that the impression on the customer is of a highly intelligent individual behind the website. These are some practices for positive social media participation to increase the traffic to your site. Ensure that the website is customer-friendly and is helpful in spreading the news to thousands of people to look for the identical product or information on the topic. There are many more ways to advertise the website and procure business using social media. Begin with the simple ones and find the difference in your traffic volume and in the small business internet marketing experience.

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.

Opiate Addiction and Types of Treatment Provided

May 12, 2016

Suboxone has produced the least amount of acclaim for drug addiction treatment, yet it is the one drug that is widely dispensed by physicians.

If you are taking a prescription drug right now, chances are you are taking it incorrectly. Misuse is a major health problem in the United States. The U.S. Government estimates approximately 11 Million Americans are dependent on drugs, but there are more addicts than drug centers. A large percentage of addicts seeking help face long waiting lists and thus become hesitant to start a program once their name surfaces to the top of the list. Almost 70 percent of people face a waiting list for longer than thirty days.

Those dependent on prescription drugs have a mind-set that is different from what addiction-free individuals believe. Addicts are resistant to letting go of their drugs. They typically justify their drug use because for many, they have gotten the drugs legitimately, from their doctor. Some addicts do not realize they are prone to addiction, and they can become hooked on a legal drug. Equally unfortunate is the addict who finally realizes they require help, and then seek help only to be placed on a waiting list. In the end, far too many addicts go untreated. It would seem the odds are against addiction treatment, but Suboxone relieves this problem since the guidelines to prescribe the drug is more relaxed and offer greater flexibility.

What is Suboxone?

Suboxone contains two active substances, buprenorphine and naloxone, both used to treat dependence on opioid drugs. The cost of treatment depends on the dose used and the frequency of services. This cost is higher than that of methadone treatment when the two drugs are served daily; however, there is greater flexibility in prescribing Suboxone.

How Does Suboxone Work?

Suboxone binds to opioid receptors, and thus produces welcoming effects of euphoria, and a secure comforting feeling, although at much lower levels than those addicts would of total opioid agonists such as methadone. The effects of these agonists are sufficient to allow addicts to stop the misuse of opiates, without encountering withdrawal symptoms.

The Benefits of Suboxone

· Less risk of respiratory problems
· Lower risk of overdose
· The withdrawal symptoms are less profound than when using methadone to combat addiction
· Euphoric symptoms occur less

Adverse Effects of Suboxone

The side effects of Suboxone mainly occur when too much of the drug is taken. The symptoms are similar to the side effects of opiates:

· Headache
· Sick
· Constipation (delayed bowel function)
· Poor sleep
· Sleepy
· Drowsiness
· Dizzy
· Sweaty
· Breathing difficulties (always contact a doctor)
· Dry mouth (brushing your teeth regularly and extra good care of your teeth)
· Slight pain is felt with less risk of causing more inflammation or untreated injuries
· Psychological problems (hallucinations, nightmares, depression) treatment should be coordinated with psychologist
· Itchy rash (contact your physician in connection with possible allergic reaction)
· Sleep apnea (consult a physician)
· Difficult to urinate (call a physician)

Every drug has an adverse effect, yet the result of using Suboxone is positive.

Business Planning a Commercial Real Estate Agency

May 24, 2016

Every commercial property office has its unique commission challenges and listing opportunities; and that is in any property market and economic circumstances. To help with this a wise property sales agent will set some best practice guidelines and rules to keep the agency office and its staff on track to clearly established targets. A business plan for the commercial property office is essential to the process.

Whilst the buyers and sellers of property will undergo change and pressure, they still need to do property sales and rentals. It is the agency momentum and activity to capture that activity that is critical in the performance of a commercial real estate office.

The agencies that must close their doors when the market is poor predictably have no significant marketing and prospecting models. They simply take listing opportunity when it walks in the door. When the market slows and changes, that walk in business does not occur. This property office has no mechanism to grow market share when times are tough.

Many agencies operate with a code of practice or best practice business model to enable them to serve both the clients and the customers professionally. Some real estate franchising groups and marketing groups also offer this level of practice professionalism in their business model to which the agency can operate within.

You can structure your own code of practice and set some rules that will help your business down the path to success. Your business plan should involve and include the following criteria:

  • business planning for the next 5 years with a great focus on the next 12 months
  • income, and expense targets based on a staged growth model
  • listing targets for each month of the year
  • marketing strategies for the office and for the listings you generate
  • internet and website initiatives plus a website that is optimized for your market and location
  • database tools and strategies to grow your market intelligence and future opportunities
  • a clearly defined target market from which you will attract listings for the office
  • staff growth plans to implement as changes in the market occur
  • performance guidelines and job specifications to ensure quality work targets
  • ethical standards for sales, and property management staff
  • documentation systems and rules to implement and track contracts and associated forms or processes in sales, rentals, or property management
  • staff goals, objectives, targets, and processes that can be measured by KPI
  • privacy and confidential business processes that apply with members of the public and clients
  • quality assurance procedures that keep the office functioning within guidelines
  • strategic plans that give stability and growth a priority in your business plan
  • occupational health and safety rules that protect your staff and clients in situations of property activity
  • financial targets and commission structures that reward good people and performing sales staff

These elements can and should be implemented in your real estate business plan. Once the plan is set it becomes your roadmap to a better and more stable office in any real estate market. This means better commissions and listings in any property market. Survive and thrive is a fundamental rule in real estate best practice, and this is in any market and at any time.

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.

Car Graphics – Your Moving Billboard

May 14, 2016
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When you think of car graphics as a moving billboard you will soon realize that there is great advertising potential. Very often advertising results in ongoing fees. Vehicle graphics and signage, on the other hand, does not. You will ensure that your company, services and/or products will be advertised at no additional cost whenever your vehicle(s) are on the road. Essentially, whenever the vehicle(s) are on the road, your business will be shown off.

Provided that you choose the right graphics for your business you can be sure that your signage will attract clients. However, if you choose the wrong graphics, or if they are not applied properly, they very quickly become an eyesore that will not attract clients and customers.

Ideally you should work with a design firm. You will be required to discuss your ideas with the designer, as well as your expectations as far as application of the design is concerned. If you want the graphics to really stand out and attract attention it is always best to choose custom graphics.

Let’s take a look at two options available to you:

1. Vinyl Car Wraps

These are ideal for covering a whole vehicle, no matter what size it may be. They are also weather resistant and durable. Car wraps are designed to cover the whole of the vehicle. An added bonus to choosing a full car wrap is that your vehicle’s paintwork will be protected as well. The vinyl car wraps are great for attracting the attention of potential clients and customers.

There are also half wraps available. Not only are they also very effective for advertising purposes, but they cost less than the full car wrap does. A half vinyl car wrap can set you back about $3,000, which is roughly the starting price for the full vehicle wraps.

2. Window Graphics

Whether standard or perforated, vehicle window graphics are also a great way to attract customers. They can be applied to any of the vehicle’s windows and provide attractive and effective advertising. Perforated vinyl allows those within the vehicle to still be able to see out of the windows, but from the outside all that is seen is the advertising. Window graphics cost about $250, but you can reasonably expect to pay more depending upon different criteria. For instance, the perforated window car graphics are more expensive than the standard kind.

Important Points To Consider

It is very important that your company’s contact details are part of the graphic design. Too often one will see a vehicle with a company’s logo emblazoned on it but no information on how to get in touch with the company. It’s all very well and good to advertise your business, but you should also provide the info your potential clients and customers will require should they choose to make use of your services. Therefore, be sure to include phone numbers and/or a website address.

Before a graphic can be applied there are some important things to consider beforehand. First of all, you need to choose the design itself. Next, you need to provide contact information as part of the graphic. If the name of your company gives no clue as to the services or products you offer, this should be taken into account when designing the graphic as well. Lastly, don’t cut corners! Work with an experienced firm so that you can rest easy knowing your investment will pay off for years to come.

Getting Ready For A Removal The Smooth And Easy Way

May 24, 2016

Getting ready for a removal can be really stressful – but only if you don’t know what you’re doing. Most of us only move a certain number of times in our lives, so we can’t really claim to be experts on it. Here are some tips on getting ready for a removal that will make your move much smoother.

Get Packing!

It’s never too early to start packing. You’ll find all kinds of things lurking in closets and cabinets that you totally forgot about. If you start early, you can do just a little bit of packing each day and it will be a breeze. This makes it much easier for people who have busy lives with work schedules, kids or other things to do.

Be Organized

While you’re packing, make sure to label your boxes. What most people do is box things according to which room it belongs in. This makes it really easy to unpack after the move, and it also helps if you suddenly need something that’s already packed. Color coding your labels by room makes it even easier.

Let Everybody Know You’re Moving

Way ahead of time, let people know that you’re moving. Tell the post office and any companies that you might correspond with by mail. This includes banks, credit card companies and just about anybody else who may need to know. It’s better to tell people who don’t need to know than to leave out somebody important! And don’t forget to tell friends and family too.

Make Arrangements With The Mover

You should call your mover and make all the necessary arrangements as soon as possible. They’ll need to know when you’re moving, how far and about how much stuff you’ve got. They’ll give you a quote and a day and time. This will be your deadline to get ready! You also might want to ask them if there are any ways you can cut costs with your moving expenses.

Get Rid Of Some Things

Moving is a golden opportunity to take a look at all the stuff you have, and ditch some of it. You can probably save quite a bit of money on your moving expenses if you get rid of some things. You can sell stuff at a garage sale, donate to charity organizations, or arrange with the city for them to pick it up. You’ll be glad you did it when moving day comes around!

Getting ready for a removal is much easier if you get started early. As soon as you decide to move, get a moving calendar and get started making arrangements and you’ll have everything all ready.

How to Shop For a Woman

May 26, 2016
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There’s a saying that goes, “Women are from Venus, men are from Mars;” this saying does hold true when shopping for a woman. It can get quite difficult and intimidating to buy gifts for a woman, like an anniversary present or a gift for Valentine’s Day. Many men get intimidated when shopping for women, because it’s quite difficult to know and understand what a woman really wants. There are times that even the most heartfelt and well-intentioned gifts can spark fits of the wrong emotions in a woman. Shopping for women doesn’t have to be a roller coaster of confusion; here’s a quick guide to help.

Think Like a Woman

To shop for a woman, you have to get in touch with your feminine side. Whether you’re shopping for your mother, your sister, your wife, or your girlfriend, you need to have a good idea of what she likes. Don’t go for obvious things like jewelry or flowers or teddy bears. Every woman has a unique personality, which means that what she really wants may fall under a stereotype or an idea you have of what women want.

Go for the Sale

Many women love sales. Sales are that time of the year where everything good comes cheap. The mall may be crowded during mall-wide promo sales, but the extra time and effort you spend looking for a gift is well worth the savings you get if you buy shop on a sale. Sales can be difficult to come by, and can get a bit stressful especially with a crowd of shoppers. Here are some tips to keep in mind when shopping at a sale.

* Holiday and clearance sales. The most expensive items usually have up to a 50% markdown during special sales, when stores and boutiques need to clear out inventory. Make sure that you’re not buying old stock, and that you’re getting the best value for money.

* Discounts. Shopping for women can get a bit expensive. Store owners know this, and try to offer discounts for gift items for women as much as they can. Discount goods need not be cheap; as long as the gift is of a good quality and has a reasonable price, then you can buy it.

* Follow the leader.

Duplicates and One-of-a-Kind Items

If you think that shopping for women won’t get any more difficult, think again. Some women prefer to have two or more items of the same variety, and some prefer to have a one-of-a-kind item that only they own. What makes it even more confusing is that many women have certain preferences on what items should be bought in duplicates, and what items should be one-of-a-kind. To make things easier for your shopping day, here’s a quick list of what can be duplicated, and what should be extra-special:

* Duplicates: perfumes, shoes, jewelry, make-up kits, skin care products

* One-of-a-kind items: clothes, bags, purses, watches, bracelets

Keep Up With Trends

While reading a fashion or women’s lifestyle magazine may sound unappealing and completely beneath your manhood, it’s always a good idea to do research before shopping. You don’t have to completely and thoroughly read the articles as much as you would a hotrod magazine or the latest video games; the least you could do is to look at pictures, memorize them, and look for similar items at the boutique or the department store. That way, you can keep your friend or significant other trendy and happy with the way she looks.

Shop, and Get It Over With

One of the reasons why men find it so difficult to shop for gifts is the very idea of shopping. For some men, a boutique or a store that specializes in women’s apparel and accessories is like a punishment for some unknown sin. While the place may seem a bit too feminine and fluffy for your own tastes, the only way you’re going to get a good gift for that special woman in your life is if you enter the store, have a good idea of what you’re going to buy, make shopping quick, and high-tail it out. Chances are, though, that you may enjoy the shopping experience more than you’re willing to admit to yourself.

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.

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

Christmas Shopping For Your Husband or Partner

May 26, 2016

Christmas shopping for your husband/partner, you might think this is going to be such an easy thing for you to do because you love your Husband/Partner and know him really well.This could not be further from the truth as it can be the most difficult part of your Christmas shopping. This can be for a number of reasons.You may feel that the pressure is on you to find a gift for your Husband/Partner that he is going to really appreciate.You may be willing to settle for gifts which are merely acceptable for others in your family on your Christmas list.You are likely to feel that you need to buy something spectacular for really close relatives including your Husband/Partner. If you have been with your Husband/Partner for a number of years you may also have difficulty Christmas shopping for him because you may feel like you have already bought him everything. I will try to help with some useful tips for Christmas shopping for your Husband/Partner which should make the process easier.

Knowing your Husband/Partners interests and hobbies is a good way to make Christmas shopping for him much easier. Sit down and put pen to paper of all your husband/partners interests. This will give you a better idea of what type of items would make a great Christmas gift for him. An example being, if he is interested in reading books buy him a voucher so as he can pick the book of his liking. A great gift that is different than the normal is to book a day out at a race track to drive a sports car or even a days rallying or ballooning. Is he interested in golf? Does he need some lessons? If he does, book him some. You get the idea?

Do not forget about the repetitive gifts that every man needs each year like aftershave, deodorant, socks, jumpers and ties. These last few can be used as stocking fillers and extra gifts for him to open. Aftershave has usually run out by the time Christmas arrives and you can get him the newest and latest best selling product.

Trends and fashion change so this is a good time to update your his wardrobe and throw out those jumpers and ties that you have been going on to him about changing,The list could go on and on but with a bit of imagination you can come up with a present this year that he will really appreciate.

If you can’t think of what to get your Husband/Partner for Christmas, ask him what he wants. Have him make a wish list of the items that he would like for Christmas. Happy Shopping.

Quick Finance – Caveat Loans And Bridging Finance

May 15, 2016

Short term loans help people lessen their immediate money troubles, because of increasing everyday expenses and no sufficient income to meet the requirements. These loans by and large come in a shape of payday loans, in that you can obtain immediate cash with the settlement time between two and three weeks. Lots of lenders in Australia offer their service online that let you submit an application for the finance, 24 hours a day and 7 days a week.

If you need fast money, then a caveat loan, short term loan or bridging finance from any Australian finance Centre can help.

Caveat loans

Fundamentally, caveat loans are all about when lenders offer the borrower fast money, in return for their property as defense for the finance.

The submission of applications for these loans is extremely quick, and it is likely to be short term from approximately one month to four months. Usually the borrower can get the money inside 24 hours after the request has been launched, and in the majority of cases, having a bad credit documentation does not have an effect on your possibility of successfully achieving it. In other words, these loans are finance for property.

The reason caveat loans are provided for assets is since the borrower have to secure an asset against it, and the majority of the time, the assets consists of realty properties or vehicles, as other kinds of assets are usually not acknowledged to be a defense for such loans.

Bridging Finance

By explanation, Bridging Finance is a short-term loan used to buy business property.

This is something that can come in very helpful, conditional on your particular circumstances. There are two major points that you need to think about before you choose a Bridging Finance package, your wants and the condition of the property market.

One of the main benefits of Bridging Finance is that it will let you close on a property and buy a new property before you get rid of your existing one. You will need to assess your present situation to decide if your wants give good reason for taking on this sort of finance.

Paying off your Bridging Loan at the ending of the term usually depends on your capacity to sell your existing property. If it is not sold in the obligatory time, then you will have to pay the existing loan on your present property, your new property and the newly transformed Bridge Finance, too. If you think that this might be the likelihood then be sure to take a package that can be changed to business Loans if the need comes up. Or else, you might have to come up with the complete finance amount at the conclusion of the funding time.

What To Pack For A Weekend In Las Vegas

May 24, 2016
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A lot of people are lured to the beautiful and enthralling Las Vegas in the state of Nevada. In fact, every year, around 35 million tourists flood the city for the shows, gambling and so much more. Typically, the city is considered to be in a hot climate and many people make the mistake of packing for their trip by taking only clothing appropriate for the hot weather. What they do not know is that Vegas can be actually cool, or cold, depending on the time of the year you visited.

Las Vegas, also known as the Sin City, is surrounded by the Mojave Desert, the reason why most people who have not been here believed that flip flops, string bikini and a pair of shorts are must-have clothing items to pack for their trip. The truth of the matter is that while the weather sees soaring temperatures, it can also get cold in the city like most desert regions.

Fall and spring in the city are moderate as far as the temperature goes with highs ranging in the high 70s or lower 80s. Every year in May, the weather begins heating up a bit and the average temperature can hit around 90 degrees every day. However, by June, temperatures are recorded for days end in 100s. The heat is dry making it seem unbearable to those people who have breathing problems. To make things worse, the concrete and asphalt on the Strip is making this dry heat seem even hotter and dryer meaning the temperature on the sidewalks of the city several degrees higher.

When planning to have a weekend vacation during the three hottest months – June, July and August – you should make sure to limit heat exposure every day especially during times when the sun is highest in the sky and giving out most heat. Often, tourists get cold while having vacation in Vegas during hot months despite the warm weather. Being able to know a bit more about the weather of the city helps you in packing your suitcase better for the weather. The most important thing to keep in mind is that regardless of the season you want to travel in, you should always bring a sweater and appropriate shoes for cold weather most especially during the night. When traveling to the sin city during hot times of the year, include thin tops and pants to keep yourself comfortable.

You also need to bring a scarf or hat as covering for your head. Make sure to bring sun block and sunglasses to protect your eyes against exposure to UV rays. When packing for a weekend vacation in Vegas, bring versatile items you can put on quickly in case of rapid change of temperatures. If traveling to Vegas during winter, don’t mind bringing bathing suits unless you planned of staying in a hotel with heated pools. Being prepared for the climate and knowing the right things to pack can definitely make your vacation in Vegas enjoyable and more memorable.

Genital Herpes Treatment – You Have the Power

May 15, 2016

The doctor says you have genital herpes, now what? No cure for genital herpes has been found so far. Vaccines are under development and look hopeful, so at least any future sexual partners of yours may have a chance of being protected. Genital herpes treatment consists of methods to reduce the duration of outbreaks and to limit the number of outbreaks you experience. For patients that have been having five or more occurrences per year, doctors recommend daily drugs that suppress outbreaks. Many of the drugs found to be effective have limited side effects.

There are also drugs that can shorten the length of an outbreak. Genital herpes treatment can consist of a variety of methods to promote healing. Some of the same medicines used in suppressive therapy can help reduce the length of an outbreak. If you only have one or two outbreaks a year, your doctor will probably prescribe one of these drugs when an outbreak actually occurs. The better you maintain your body, the less likely you are to have an outbreak. You want to foster a strong immune system.

Keeping the affected areas dry helps. Do not touch affected areas. The herpes simplex virus cannot survive long on inanimate objects but it spreads very quickly on living things. So cleaning the toilet continuously will do less to spread the disease than washing your hands properly. To reduce soreness and irritation wear loose fitting clothing. This is not the time to wear those skin tight jeans. Genital herpes treatment can benefit from a healthy diet. Not only will your body overall be in better shape but foods with a high lysine to arginine ratio appear to reduce the severity of an outbreak by shortening its length. So pile on the cheese and avoid the nuts for a while.

Unfortunately there is not yet a cure for herpes, but that does not mean you cannot get relief from your outbreaks. By doing a combination of drug therapy, practicing good hygiene and maintaining a healthy diet, you have the power to get genital herpes treatment that can minimize the affects of your herpes outbreaks.

8 of the Most Popular US Jobs in Today's Marketplace

May 13, 2016

Career advancement begins from the moment you choose a particular college degree. If you haven’t at this point concluded on one, below are eight very appealing occupations you can consider within the U.S.

1. Software Programming Engineers

The software engineering industry is anticipated to increase by about 50 percent within the coming decade. Computer software engineers fundamentally create new computer software packages employing several applications. People in this discipline evaluate client desires and come up with computer products and programs having a variety of programming languages.

2. Surgical Technicians

Because this professional avenue calls for the shortest degree of medical training, it is regarded as a fast track in the field of health and fitness. These associate health professionals, also known as surgical technologists, assist in medical operations under the direct guidance of a physician or registered nurse.

3. Marketing and Advertising Managers

If you possess the creative imagination and motivation to assist a company with the success of their product sales, you may well be a positive fit. Nearly all corporations that offer merchandise or services have to advertise. Advertising managers must be well-equipped with a strong educational background in advertising and business. You’ll need a diploma in marketing or advertising, communication or public relations.

4. Pilots

A profession as an airplane pilot could certainly be quite rewarding. Besides the high earnings, this particular field offers an infrequent chance of flying all around the earth. This field is competitive, provides superior compensation, and requires high skills. A candidate should receive thorough training in aviation and also have the capability to operate complex equipment using calm accuracy.

5. Game Developers

This occupation is a more recent specialty area which has vastly increased throughout the years. Because millions of people prefer to have fun with games on their mobile phones, PSPs, and laptop computers, this blossoming industry needs top specialists to create unique games and support the activity demand of game enthusiasts. Creativity and programming innovation are required here.

6. Accountants

Accountants and auditors are essential in just about every commercial enterprise to ensure the economical firmness and openness of the business operations. If a business person is eager to help improve the corporation, the financial resources must be properly cared for. To become an accountant, an individual should have a college accountancy diploma and be appropriately licensed.

7. Dental Practitioners

Dentists are among the most in-demand medical practitioners. They fairly frequently carry out surgical treatments but can also care for numerous conditions using the assistance of prescription medications. The specializations in the field of dentistry encompass oral surgical treatment, endodontics, periodontics, and public health dentistry, amid others.

8. Mental Health Counselors

Mental health counselors assist people to treat emotional disorders making use of a variety of therapies. To fill a position, a Master’s degree is generally needed in order to be accredited as a counselor; a graduate research program is also a plus factor.

Support Networks in Recovery From Addiction

May 18, 2016

Support networks must be made a critical component of an addict’s recovery plan in order to prevent relapse and maintain and improve emotional, mental and spiritual health. Recovering addicts that do not have a support network often become depressed, withdraw from social interactions and eventually return to using drugs in order to self-medicate their emotional pain. Consequently, understanding how support networks can benefit a recovery program and what types of networks are available is essential for people who are battling the disease of addiction or alcoholism.

Support Networks: Why They Work

There are 8 primary reasons why support networks are crucial for people in recovery:

1.) Fellowship

The power of fellowship is felt in nearly all groups that gather for a specific purpose; especially groups with powerful missions like those dedicated to the recovery of addicts and alcoholics. Humans are innately social creatures that need to be around other people that share the same goals and interests. And while there might not yet be enough scientific evidence to prove it, for hundreds and perhaps thousands of years mankind has recognized the power of fellowship; it’s a call that all humans respond to and this may be even truer for addicts that need to know they are not alone in their struggle.

2.) Friendly Observation

People in recovery sometimes struggle with issues of honesty regarding their desire to use or their actual drug use despite recovery efforts. Having a strong recovery-based support network serves as a safety net in this regard, as people within the group can recognize issues and signs of relapse or impending relapse among others in the group. In this way people can “keep an eye on each other.”

3.) Environment of Understanding

People in the general public often find it difficult or impossible to understand the true nature of the disease of addiction and fail to recognize how powerful it really is. By creating a recovery support network, an addict or alcoholic can ensure that the people they surround themselves with understand addiction and will therefore be less likely to judge, admonish or “feel sorry” for others that they know have a legitimate, neurological disease that requires a daily effort to overcome.

4.) The Power of Sharing

There is a great deal of power in sharing and we see this in many different ways in society, from the individual talking to a therapist, to those who take part in groups and organizations, to people who open up to their barber or stylist, we clearly see that sharing helps people. Sharing can relieve stress, create stronger relationships and allow people to “let go” of emotional and other pain that they otherwise would allow to fester and grow. And according to Dr. Barton Goldsmith, sharing with others helps give us new perspective;

“There will always be problems in our lives, but sometimes we don’t have the capacity to handle them all by ourselves. Getting a 360-degree view is impossible when all you can see is what’s going wrong. And talking with another person can give you perspective.” (Goldsmith, Barton, Ph.D. Talk About Your Problems, Please Psychology Today March 3, 2011)

5.) Emergencies

When an addict has an “emergency”, it often means they are about to relapse. For some, this could prove fatal, so prompt action is required. Addicts that have good support networks are able to rely on people within them to come to their aid in the event that they feel drug use or a return to drinking is imminent. Additionally, a person in recovery may be empowered and enlightened when another addict asks them for help when they feel like using.

6.) Confidence

The confidence that a strong recovery-oriented support network can provide is significant. Many addicts report that just knowing there are people that they can talk to and others who are like them that they can turn to in the event of trouble makes it much easier to deal with the daily problems that often stress addicts and alcoholics out. When it comes to relapse prevention, confidence is one of the most critical components of recovery stability.

7.) Education and Resources

The more people an addict has in their networks, the more likely it is that new and useful information will be passed among the various members. And the more education and resources an addict has access to, the more likely it is that they will acquire the right combination of knowledge and tools not only to stay clean for life, but to help others do so as well.

8.) Entertainment

Being part of a recovery-oriented network doesn’t mean that there’s no fun or entertainment involved. People in recovery can still do all of the fun things they want to do, provided others in the group want to participate. Fortunately there are many recovery-sensitive groups and organizations that arrange outings, events and so on in order to provide clean entertainment for its members. Remember; it’s as important to share a laugh with your networks as it is to share emotional pain.

Types/Components of Support Networks

Each addict’s complete support network structure is unique. Some addicts consciously build their support groups, while others are unsure of what groups and networks exist, how to join and what the benefits are. The following are 11 different components that in whole or in part make up the support networks of many people in recovery:

1.) 12 Step Programs

Groups like AA (Alcoholics Anonymous) and NA (Narcotics Anonymous) have provided the fellowship and support necessary to help thousands of people maintain their recovery, “one day at a time.” Both groups are founded on the principle of the discussion and sharing of experiences, usually pre-empted by the humbling statement of;

“Hi, my name is so-and-so, and I’m an addict.”

Many rehab centers and drug treatment programs use 12 Step programs as a basis for the continued recovery program of their patients upon graduation. While these groups are not for everyone, they are convenient in that they can be found in virtually every area of the country.

2.) Recovery-Specific Groups

Recovery specific groups are those that gather for a particular purpose or activity in order to have clean fun together. Often there isn’t any structure to the groups in the sense of recovery-oriented dialogue or practices- in most cases these groups are just people trying to live normal lives but who all happen to be in recovery. Examples of recovery-oriented groups include the infamous 5th Chapter motorcycle club and Young People in Recovery.

3.) Connections Made During Treatment

When addicts complete drug or alcohol treatment together, they often form lasting bonds that become a key part of their support system. Of course, these relationships should only be maintained if they are healthy. These can be especially powerful relationships because the parties are essentially on the same “level,” and are likely going through similar experiences related to post acute withdrawal, issues re-integrating with society, etc.

4.) Recovery Forums and Websites

Recovery forums and websites provide an additional opportunity to develop relationships, discuss issues, share experiences, collaborate, meet and take part in activities together and much more. Forums are also an excellent way to gather information and resources and to easily develop a support system that might not be available in certain areas- especially very small cities and towns.

5.) Family & Friends

Family and friends that support the addict’s recovery are possibly the most important part of a strong support system. From old friends that bring understanding, history and loyalty to new friends that have been acquired along the path to recovery, often these individuals can provide more emotional support than others. The same is true of family members, but people in recovery must beware to limit relationships with family members that were enablers or those who do not suppo
rt or take addiction recovery seriously. In many cases relationships with family members are cited as the cause of substance abuse, so it’s important to choose the family and friends that are permitted into a support network carefully and honestly.

6.) Spiritual & Religious Groups

Even if you don’t take part in organized religion, there are often groups within groups among these types of organizations. For instance, AA and NA 12 Step meetings are often held at churches or other spiritual gathering places. In fact, some religious groups sponsor these programs because their ideals are largely aligned.

7.) Rehab Alumni Associations

For addicts that attended and completed a rehab program, there may be an opportunity to join an alumni association for that particular treatment center. This is an excellent way to stay connected to the people who were influential in the early part of a person’s recovery, and to meet new people who are also living a life free from drugs or alcohol, one day at a time.

8.) Community Outreach Programs

Many communities have outreach programs for the disadvantaged, and this can include drug addicts in some cases. Programs can be as simple as the provision of a place to gather and meet, or it can include funding for specialized treatment, groups, therapy and other benefits. In order to find out if your community offers such programs, your town or city hall is an excellent place to start.

9.) Healthcare Professionals

Therapists, doctors, nurses, dieticians, massage therapists, chiropractors and many other types of healthcare professional play a central role in the support network of addicts and alcoholics in recovery. In fact, most people in recovery probably underutilize this source and fail to recognize the benefits. However, this group is likely one of the most important parts of a recovery support system considering that these professionals help to maintain the physical, mental and emotional health of an individual. Consequently it’s vital that people in recovery are open and honest with their healthcare professionals and alert them to any issues that could indicate a relapse is imminent.

10.) School/Educational Resources

If you’re a student, it’s likely that your school or university has special programs available for people who struggle with substance abuse and addiction. These programs could consist of therapy or counseling, the hosting of recovery-related groups, resources to get outside help and possibly funding for treatment. Additionally, other students may become part of a support network, as they are almost certainly experiencing the same stresses and issues related to schooling, social pressures and so on.

11.) Volunteer Organizations

By volunteering for any number of a wide range of organizations, people in recovery can help to give back what was given to them in the way of compassion, understanding, advice, resources, financial assistance, etc. But perhaps even more importantly, the interactions between other volunteers and organizers can blossom into significant meaningful relationships that can one day become a key part of a healthy support system.

If you’re an addict or alcoholic in recovery and you don’t have a support network, it’s imperative that you take action now and get involved. You can start with a simple search in Google for recovery related forums, or you can check the Yellow Pages for the nearest AA or NA meeting. Remember; if you go to the same lengths to stay clean as you once did to use, you’ll very quickly develop a strong network of link-minded, recovery-oriented people that will offer a mutually beneficial way to keep fighting the good fight, one day at a time.

Where Payday Loans Spending Are No Way, Jose

May 24, 2016

You will not be questioned as to purpose and plan when you avail of payday loans. You can use it for whatever you want, however way you want, whoever you want, and whenever you want. You only need to pay your debt on time.

However, there are certain things that you will be well advised not to spend payday loans on. You will get into trouble with your self, your family, your society and with your government if you do decide to splurge on these activities.

Illegal Drugs

Fast fact: In Canada, the annual economic costs of the trade in illegal drugs exceed $5 billion that includes health care for drug addicts, lost work productivity, criminal offenses and law enforcement.

When you spend your payday loans on illegal drugs, you are contributing to this humungous amount that could be better used for other government projects like education. Closer to your pockets, you will be spending more than $40,000 annually to support your drug habit, which should be enough to finance your education for the same year!

More than the financial costs to society and to your wallet, you are subjecting yourself and your family to emotional and physical costs that cannot be quantified as easily as economic costs to society.

Consider these: broken relationships, domestic abuse, arrests and jail time for crimes committed to feed your habit, lost job opportunities, infectious diseases including sexually transmitted ones, and other physical ailments.

Gambling

Fast fact: Spouses and children of compulsive gamblers suffer abuses at the hands of their husbands/wives and fathers/mothers. Also, research studies always point to children of compulsive gamblers showing higher rates for pathological gambling, tobacco, alcohol and drug use and overeating.

When you decide to gamble your payday loans in casinos, sweepstakes, lotteries, and online betting, you likewise decide to expose your spouse and children to abuse, neglect, addictions of every kind, and even prostitution. What might be a harmless one-time bet today can turn into a harmful full-time occupation tomorrow.

Soliciting for Sex

Fast fact: In Canada, prostitution per se is not prohibited by law as a crime. However, you will run into many criminal laws that make activities related to prostitution, including solicitations for sex, criminal and therefore punishable.

Let us count some of the ways you can be punished for soliciting sex with your payday loans:

– Mere communication about purchasing and actually buying the sexual services of an individual under the age of 18 – six months jail time
– Attempting to and/or conducting the purchase of sex in a public place even if the individual in question is over 18 years of age
– Performing sexual acts in public places even if it is inside your parked car
– Allowing to operate, actually operating and working in a bawdy-house and even offering someone for a visit to a bawdy house are punishable by law

And need you be reminded of the dangers of prostitution to your physical and mental health? Consider these: sexually transmitted diseases like HIV and AIDS, sex addictions and broken marriages.

Indeed, you availed of payday loans to cover emergencies – births and deaths, dates and weddings, health and hearth, medical and bills exigencies, to name a few. You definitely want to solve your financial problems with cash advances, not to aggravate your financial condition!

Smokeless Cigarettes And Vaporized Nicotine

May 12, 2016

E-Cigarettes are known for containing not a single trace of tar. Smokeless cigarettes emit zero second hand smoke, and they never burn any kind of substance or use any forms of combustion. There are actually quite a few models of E-cigarettes that have built in safety features that are used to prevent a person from consuming too much nicotine. The device that is inside smokeless cigarettes is known as a smart chip, and it actually turns off the electric cigarette if there has been too much nicotine that has been delivered in a period of time that is unhealthy for users. When it comes to E-cigarettes there are refill cartridges that can be used for people who are trying to cut down their total consumption of nicotine.

These cartridges contain zero amounts of nicotine and produce only the harmless vapor. Many people require different dosing levels of nicotine, and that is ok. There are cartridges used with electronic cigarettes that range from zero, medium, and high amounts of nicotine content in them for those people that want lots of nicotine or none at all. Another added benefit for those people wanting to try out smokeless cigarettes, is the price of the refill cartridges. The price for the cartridges that E-cigarettes use is much less than what a person smoking tobacco cigarettes would pay.

Starter kits containing electric cigarettes are much less expensive overall than the price of tobacco cigarettes. Smart chips built right into the e-cigarettes shut down the device before a person smokes too much allowing for even more savings. One of the most beneficial reasons people choose to smoke smokeless cigarettes is simply because of the flexibility allowed with them. This flexibility allows an individual to smoke virtually anywhere they want because the smokeless cigarettes do not emit any kind of second hand smoke. This allows individuals to smoke indoors so they don’t have to abide by various smoking bans put into place for tobacco cigarettes.

Anyone who works at a job around people who smoke tobacco cigarettes know how obnoxious it can be. Smoking with smoke-free cigarettes improves the overall working environment. Getting a nicotine fix is economical now in places like airports, bars, clubs, and restaurants. Smoking alongside a person who is smoking tobacco cigarettes is also possible without worrying about emitting second hand smoke to other people. The main reason electric cigarettes do not bother anyone when smoking indoors is because they do not burn tobacco, so this makes them safe to smoke around other people.

E-cigarette510.com is an online e-cigarette store that combines quality hot selling smokeless cigarettes and low prices so everyone can join the new smokeless era. Now everyone can afford E-cigarettes and save money doing it. A typical smoker spends $5 a day on a pack of smokes which adds up to $150 each and every month with no end in sight. But with smokeless cigarettes you spend $29 to $69 once then maybe another $15 on some e-juice to refill your cartridges. Even if you continue to use e-cigarettes for the nicotine a typical smoker spends only $15 a month on e-juice refills. Huge savings no? It’s smart to check into it…

Thrifty Car Rentals – Tripling Your Savings

May 16, 2016

Thrifty car rentals are becoming popular as an option for people who hardly drive their car except on extended trips. Then there are those people who would prefer not to use their own car on trips over uncertain roads for fear of the wear and tear in will cause. People also rent cars to upgrade or downgrade on the size of the car that they own. For instance, an architect might own a large SUV which he uses for bringing his materials to his projects. For non-business trips, the car has much more room that he requires and more engine power than he ever needs to avail of. So he visits a thrifty car rental to get a smaller car for his daily use. Again people might want to rent a car because they are interested in buying that exact same model but just want to try it out first for a week before actually making that purchase.

If you are thinking of a renting a car, you should know that they usually cost less than the up-front price. This is because thrifty car rental companies offer discount bonuses on most cars and at most times of the year. Discount bonuses can shave of from 10% to 50% of the amount you need to pay after renting it. Price shave-offs can be availed of if you rent on weekends or during off-peak season. You can also have price reduction on the average cost if you rent for a week or a month. The specifics for extended rental discounts may vary from company to company, but they are always there.

Right now, the going price for high-powered cars, has gone down with the recession. Due to the need to save, people are buying cars with less power and smaller build. The result is that cars like the SUV are rented out instead of sold. Now would be the right time to try out renting a SUV from a thrifty car rental. This car is ideal for outdoor adventures on virgin terrain, like camping in the wild or fishing out in a secluded lake. The SUV is also ideal for visiting friends who live in isolated areas.

Before renting for an extended period, you need to consider the amenities or accessories that are included or excluded for monthly or yearly rental plans. Before settling on a monthly rental plan, be sure to calculate whether renting daily for 28 days will cost more than an outright 30-day plan. There are some thrifty car rental companies whose price structure sets a higher basic rate for monthly plans. If such is the case, there may be amenities or add-ons for monthly rentals that you are not aware of. Ask the personnel about it.

Other than the basic discounts on the rental fees of thrifty car rentals, some offer discount coupons for tourist spots, hotels and restaurants. These discount coupons are issued by the establishments to encourage more visitors to their place. Among these establishments, you have Disneyland, Sea World and even Universal Studios. Holiday Inn and Grand Hyatt are two hotels that offer discount coupons for travelers.

Payday Lenders – The History of Payday Loan and How it Effects Instant Approval – Part I

May 17, 2016

Here is how to avoid application disapproval and get instant cash credited into your account via payday loan. You can get up to $1500 dollars instantly without credit check, collateral or faxing of paper documents. All you need to get instant approval for cash advance is to know the nitty-gritty of payday loan and how it affects your loan application approval and disapproval.

Most people want to take advantage of payday service because they know that it is easy to access but they don’t know the disadvantages involved in payday services. Payday loan, no doubt it is the fastest kind of loan service that gives borrowers instant cash to meet their very urgent needs. But some people take payday loan for luxuries without knowing that payday package is for unavoidable needs especially those needs that can not wait till payday and it is also initiated to help people in emergency.

If you want to take advantage of payday facility, you have to count the cost before you apply. You have to understand that payday is a short term loan and its duration is usually between 15 to 31 days. Payday loan is a high interest loan because it is a non secured loan most time. Payday lenders most times do not require borrowers to present collateral or faxing of paper document and do not perform credit check to secure the lender. Because of the high risk payday lenders are exposed to, lender charge higher interest rate compare to other loan services. So if you want to take advantage of this loan service, you need to count the cost and make sure it is what you need before you apply.

Tips to Boost Your Commercial Real Estate Career

May 22, 2016

When you start work in commercial real estate sales or leasing, there is a real temptation to do what everyone else does. That is a real danger in that most salespeople in the industry are not good role models. In fact some agents are really ordinary and they do not share information effectively for new people.

So to improve your chances of being a top agent, you can start to focus on the right things and those things that will build your market share and business. Here are some ways to do that:

  • Find out just who dominates the local property market as a top salesperson in your office and then watch what they do. Review their listings and market share. Drive around their listings and see what makes their listings and marketing different. Do they have more exclusive listings than open listings? How do they market property in this economic environment? What has their sales record been like over the last 12 months? How does their market share compare to other agents?
  • They are likely to have a solid database of local contacts. You will need to start this process for yourself anyway, so ask them what database software they use and if they could show you how they build their prospect list. How do they interact with their clients?
  • They may have been operating in the local property market for some time and this will have bearing on the activities that they undertake every day. They should however still be prospecting to maintain their position as a top agent. Ask if you can sit in on their cold calling time one day to see how they do it and what they say. Perhaps you could replicate their script to words that suit you and your area or property type.
  • Get to know your area really well, and that will mean property owners, business owners, vacant land, property developers, and professionals like solicitors and accountants.
  • Identify the top property locations in your area and inspect the properties for a real understanding of why those areas are favoured. Survey the factors that impact location such as transport, services, amenities, highways, roads, ports, and infrastructure.
  • Get to know the top property owners in the area. Whilst they will be dealing with many agents, you can connect with them now and start to build a level of trust for the time that you will have some property solution that you can offer them.

To rise to the top of your market, you simply need to watch the right people and practice what they do. Build your database from deliberate and directed effort; the property market awaits your involvement.

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