My grandmother has lived in the same house for nearly 60 years. She and my grandfather had purchased it when they were still newlyweds, and my grandfather had fixed it up really nice through the years. When he went to Heaven, she was not able to maintain the upkeep like he had, so we all chipped in to help. We could do most of the work between her children and grandchildren, but some things required a professional to help us. I knew we needed a Nassau County tree removal company when some of the trees around the house were getting too big.

We had thought about having them just cut back, but we feared that two of them were too old and dangerous to keep even if they were cut back.…

I found myself reading through the best Forskolin reviews to learn if it’s a product that works. All of the ones I found said that it really does work! Then, after I looked it up, I promptly forgot about it because I was so busy with work. Weeks later, I ran into an old friend who lost 85 pounds. She looks fabulous, and I felt very envious. I asked her how she lost the weight, and that’s when she told me that she took Forskolin and it was really easy to use. I knew then that I needed to buy some right away.

I have been tired of being 75 pounds overweight because it’s overwhelming for my small-sized body frame. I’m tired all the time, I feel like I’m in pain all the time, and I just don’t want to do a lot of the things that I used to do. My children get really frustrated with me because I can’t keep up with them. I will often drive them to where they need to go, and then I will drive home and take a nap while they go have fun.…

There are several opinions when it comes to personal injury cases. A school of thought believes that personal injury law creates an avenue for unscrupulous individuals to milk large corporations or organized businesses. Of course, every individual is entitled to his or her opinion but for a lot of people, personal injury law has created a natural lifeline, not only for them but also for their families. Without the compensation provided under personal injury law, a lot of families would be unable to survive the consequences of other people’s negligent actions. How so?

Consider this scenario: a young married father of two who gets injured at his place of work (a construction firm), due to the failure of the company to put in place certain safety precautions that would have preceded the accident from happening. There are several ways of looking at this scenario; the first consideration is the cost of treatment. This will depend on the extent of the injury and considering the high cost of adequate medical care, this is no mean feat. The father is unable to work and as such can no longer earn an income to provide for his needs and those of his family. These injuries also maintained in permanent physical disabilities and the father can no longer return to the only work he is trained for.

All of the above consequences are just a tip of the iceberg; there are many more and all because of the negligence of a company in ensuring the safety of its employees. Thankfully, personal injury law provides an avenue for victims of personal injuries to seek justice and compensation that will help them cope with these consequences. Of course, this particular example (workplace accident) is just one of the numerous cases of personal injury. Others include: car accidents, motorcycle accidents, train accidents, defective products, toxic exposure, defective drugs, animal bites, burn injuries and a host of other injury cases.

The typical compensation package in personal injury cases takes into consideration the consequences mentioned above such as: medical treatment and rehabilitation, repair and replacement of damaged property, lost present income, lost future income, non-monetary losses (pain, suffering, depression) in addition to punitive damages levied against the defendant in cases involving gross negligence. In order to receive compensation and justice in accidents resulting in injuries, get in touch with a personal injury lawyer today.

Any accident causing serious impact on your life, some emotional stress. Although it can not be measured, awarded compensation to reflect on you. If you have suffered serious injuries and medical costs would be considerable. A compensation program takes into account these costs and all expenses that will bring your attention is going.…

Where to start? Which business to choose? What direction to take? These are all the questions flooding through my mind as I decided to embark on the online business journey. It is not unfamiliar to experience doubts, tension and speculation about the various companies currently marketed online today as many make promises they can not keep.

It is like the ongoing reference of making millions in 24 hours with no effort. Realistically no one can make millions without any effort involved. Many online businesses promise consumers a get rich quick scheme that details the affiliate having to provide little effort and receive large responsibilities. Through experimenting and falling into the trap myself I experienced very little, if any, responsibilities from such companies and lost a large amount of money in the process.

Soon enough I learn that working from home can be accomplished however it involves participating within the right businesses and communicating with the right mentors. Having a sponsor available to help you every step of the way within building your online business is crucial if you want to succeed. A sponsor can not only provide advice on how to market your consumers, however more often than not they have experienced the internet business for longer and have the knowledge to direct you in making the right decisions for the long term. This is important because if you are really interested in working from home you will want to make decisions and investments for the long run in order to experience the financial freedom one dreams about.

Discipline, Attitude and Effort are the three hits that are essential in creating a business that will succeed. You do NOT want to go spending money left, right and center because you believe it will bring you more prospects. You do NOT want to possess a negative attitude and simply believe that working from home is not possible or that you will never achieve financial freedom.

Lastly you do NOT want to start out in this business with the idea that it takes little effort to achieve large results. Yes there will be sponsors, mentors and programs available to help you and reduce some effort within your online business; however it is through your time management, your 100% effort and your willingness to succeed that will truly define your career path. If you undertake your business properly consumers will come to you.

You should not have to seek or hunt down consumers or people to invest in your business. “The aim of marketing is to know and understand the customer so well the product or service fits him and sells itself”. (Peter F. Drucker 1909, American Management Consultant). This quote is very important. Read it again and again until you fully realize the significance. For your business to reach its full potential your product or service must meet the consumers needs or desires and accordingly the prospects or leads will come to you.

But in order to start an online business in …

At one point we may want to determine the size of business. This helps in knowing whether it’s growing or not. Also you ascertain the size of your business in order to plan its various aspects and requirements such as manpower, raw materials, machinery etc. Once you know the size of your firm, then you’re able to determine if it’s efficiency or not efficiency. A business can be small, medium or large size.

Every business is striving towards attaining the optimum size. What is an optimum size of a business? The optimum size is when the firm has reached its maximum efficiency. At this stage the average cost per unit of the firm is at its lowest. It is at this point that the size of the firm should not be changed i.e. increased or lowered. Usually, any business starts as a small entity and then during its operating period, it expands till it reaches the optimum size.

There are two main things that will make the firm to either attain the optimum size or not to attain it. The two things are:

1.) The kind of decision the management makes.

2.) Competition.

Eight Factors that Determine the Size of Business

There are a number of factors that you can consider in measuring the size of a business. The following are some of the factors:

1.) Total Assets

The total assets of any business determine its size. The value of all assets (current and fixed) are used in measuring the size of a firm. By comparing the total value of assets between two firms that are in the same industry doesn’t always reveal the size.

2.) Power Used

The amount of power used can be used to determine the size of business. Don’t rely on this factor as it is inaccurate because the amount of power used by any business may be more or less due to many factors such as installment of power reduction equipments.

3.) Capital Investment Factor

The amount of capital invested by shareholders in form of share capital, reserves and surpluses (net worth) determines the size of business. You can use the amount of share capital invested to compare two businesses or more that are producing similar or differentiated products.

4.) Volume of the Output

This factor is applied on those firms that are producing homogeneous goods. It shouldn’t be used in case firms are producing variety of products.

5.) Value of Output

This is another factor that determines the size of a firm; however this method is only effective in case where firms are producing variety of products and where price levels remain constant.

6.) Capacity of Plant

It is used by firms that produce similar products.

7.) Number of Employees

The number of employees employed by any business can be used to determine its size. This is done by comparing the wages paid to employees with other businesses. This factor is used where firms produce similar goods. If you use it in comparing firms …

Household expenses are an issue that any family deals with, and if for some it might not cause inconveniences, others have it more difficult to juggle their monthly budget in order to keep up with their bills. If you want to save money and reduce your bill costs, learning a few tricks will probably come in handy. Here are a few useful tips on the subject, which can help you lower your expenses and fit within your monthly budget without worries:

Insulate your house

One of the major expenditures of a household usually revolves around energy consumption. Because you probably desire to live in a comfortable indoor environment, turning your heater or air conditioning system up until you reach the desired temperature probably happened with regularity. Well, without having an energy efficient home, you expenses can skyrocket, especially during harsh days of winter. So, what could you do to make your home more energy efficient, and then save money on heating or cooling costs? Well, a great solution would be to insulate your house with a proper material. By replacing a faulty and old insulation with a more efficient one, such as spray foam, you can cut down on energy costs significantly. The indoor temperature of your home will be kept at a comfortable level, without relying solely on the heating or cooling system. Drafts and air leakages, which are usually the causes of an unbalanced indoor temperature, will no longer be a problem. Moreover, besides energy saving considerations, an insulation project comes with other benefits as well, such as functioning as a barrier against noise pollution, or preventing mould growth. However, even if insulating your home is so beneficial, in order for you to truly receive everything this home project has to offer, make sure to hire only specialists for the job.

Check if windows are energy efficient

Besides an improper insulation, another issue that often triggers energy losses are old windows. If the windows of your home are not in an optimal condition, dealing with drafts on a regular basis is normal, leading to an energy loss. If you research the topic, you will find out that drafty windows can cause energy bills to be even 25 percent higher, and in the long run, this is quite a large amount of money you are losing. Inspect each window of your property and see if any of them needs a replacement or repair.

Search for deals on maintenance services

Each household faces the need of hiring professionals from time to time for various maintenance needs. You either have a plumbing system malfunction, or your house needs to be checked for mold – regardless of what services you may require on a regular basis, make sure to search for the best deals. If you look online for coupons or special offers, you might save more money than you have thought, reducing your overall household expenses.

Cut back on extras

Try to make a list of every monthly bill you have …


Organizations that are successfully executing customer-centric strategies while seeking competitive edges and innovative strategies do one thing in common that will lead to their long term success:

They place the customer as the prime reason for every action they take within the organization. From the accounting department, through production and sales, into marketing and even the executive boardroom the customer is the most important focus for each and every activity that occurs.

In order to do this effectively the organization must develop a marketing plan that creatively incorporates customer values on many different levels.

The Marketing Plan

The successful entrepreneurs know that they have an advantage over the larger companies when it comes to the customer. They have the ability to get to know each and every client by collecting as much information about their spending habits, as well as their personal preferences and then utilizing that information to make the customer feel special. The larger companies often are focused on a greater mass-market target and cannot target individually, but the small companies run by the smart people, know how essential it is to take the time to get to know the customer and everything about them.

The Marketing Mix

Every successful marketing plan must encompass at least the following four essential points through answering these questions:

1) Product – What kind of product or service will meet the target market needs?

2) Place (Distribution) – How can we get the product/service to the customer in an efficient and timely manner?

3) Price – What kind of pricing system will best fit the needs of the market to induce maximum sales profitability and maximum customer satisfaction?

4) Promotion – What kind of marketing strategies will be most successful in getting the message to the target segment?

Do all marketing strategies need to be expensive? Not anymore. Even the company of one can develop excellent affordable marketing plans by utilizing guerrilla marketing strategies.

Guerilla Marketing Strategies

L. Conrad Levinson wrote a book about “guerrilla Marketing” a few years back where he explained how small companies can battle the bigger, more slow-moving entities through cheap marketing tactics. The prime points he specified are as follows:

1) Find a niche market and fill that market. – Trying to be everything to everyone will fail.

2) Don’t just sell, entertain the client. – Provide added-value experience through “atmospherics”.

3) Be unique in your product, service, and how you offer. – This will get you remembered and the customer will come to you to see what is different.

4) Create a business identitythat the customer can relate to. – People like relating to things.

5) Connect with customers on an emotional level. – It has been proven that 72% of all purchases are made on impulse regardless of how much prior research is done on a product in advance, therefore target the impulse triggers: emotions.

By focusing everything on the customer, the guerrilla marketer will create an unforgettable experience for the customer which will …

There are quite a few steps to take when building a business from the ground up. This article assumes you have already gained a basic knowledge of these steps and are at a point where you have some funding and you are ready to put the building blocks of your business in place. If you are not familiar with the basic steps to build a business, I encourage you to go check out the multitude of publications you can find on the web and then come back and revisit this article.

In most cases, it is paramount to build your business in steps, being very careful how you spend the precious funds that are available to you, regardless of the source of your capital. By now you should have a list of components that need to be put in place, such as the IT infrastructure, including but not limited to email accounts, a website, internal software systems (both “canned” packages as well as custom software) and more. On the creative side, you will need to decide on your branding (logo and color theme). Then most likely you will need business cards, brochures, letterhead, fliers, signage and the like.

Building a business in steps (or increments) can be done, but you need to look for the right talent. At the beginning, you will be much better off finding individuals that are competent in several different areas. The less resources you have to employ, in most cases, the lower your spending outlay will be. If one individual can perform the duties of six or eight people, your budgetary savings should be significant. Later on, when things are taking off, you can replace these multi-talented individuals with dedicated resources, as each duty will likely become a full-time job. Over-staffing too soon can put you out of business in a hurry or put undue pressure on your business to perform sooner than it is capable of.

Let’s turn the clock forward and assume your business is gaining traction. Let’s say your multi-talented individuals just helped you get your business off the ground and now you are going to replace them with employees dedicated to specific business segments, or departments. It will be painless to replace them because they will be expecting it. Why? Because you brought them in as contractors. You have a lot of flexibility with contractors. If it’s in your interest, and the contractor’s interest, you can propose a contract to hire arrangement. Then if things work out well, you could bring them in as part of your senior staff since they will have such a good understanding of your business. Or, they could simply move on. There are many advantages to using contractors in a case like this. If things are not moving as fast as you hoped, you can reduce the contractor’s hours to stay within your budget. You can cut them loose if they are not performing as expected. You will also save money because you will not be …

If the year 2016 has been rough for you financially, then 2017 is definitely the year to get on your own feet and start earning. But the question is- where to start? Well, here’s the answer that might just change your life.

The Internet can provide you with endless opportunities as far as earning money are concerned. This year, you can expect thousands of new products and business opportunities to enter the market, thus people will constantly look for solutions to whatever problems that may come up. This equates to growing methods and more ways for you to get paid while you do something that you love. So with no further ado, below are the 4 ways that can surprisingly help you earn money online.

4 Ways to Earn Money Online this 2017

1. Be a “YouTuber”

Who doesn’t use YouTube? If you are on YouTube, then you can make the most out of it. If not, then it’s time to let YouTube be a part of your life starting this year.

YouTube has the most diverse content- just like its audience. One reason why it’s been very successful is the fact that the videos we see are actually according to what we like to watch. Yes, YouTube is giving us what we want. It has been estimated that there are 4 billion videos viewed on YouTube everyday! This means that a great opportunity is waiting or you here.

If you decide to be a “YouTuber”, be sure to add revenue by activating ads on the videos your upload. You can also earn through sponsorships. As more and more businesses are looking for effective ways to reach their market and expand the business, they will be more than willing to invest on YouTube creators.

2. Online Surveys

This one is really simple. There are many companies that give away some of their products, while others even give cash in exchange for consumer information. By simply sharing your preferences, you can get paid. In fact, the data that you will be providing them is so valuable that it can greatly affect their overall campaign. So, it’s time for voice to be heard and your thoughts to be put into words while you earn money!

3. Email Marketing

With email marketing, selling products has never been this easy and effective. There’s a so-called email list- a list of emails from people who are or who might be interested to buy a product or to avail of a service. You can even expose your list to another individual’s offer. This means that in every click for their offer or when a sale is made, etc. another business will be paying you for the privilege.

There are so many E-commerce businesses today that utilize email marketing to keep their customers informed and to gain exposure for their products and services. Sounds like a good way to earn money? – It really is!

4. Freelancing

If you need to earn money this year but you’re …

Is it true? Is it really possible to make money even when you are unemployed?

The quick answer is – Yes!

Being unemployed can be very problematic simply because of loss of an income source. The worst possible scenario in such a situation is to have to support family members. So how can you make money even when you are unemployed? Simple: Start making money online with your own online business!

High Income Potential, Low Cost Startup

The internet is filled with endless possibilities and options for you to choose from and it's very likely that there is something to suit you. Unlike a traditional business, starting an online business only requires you to have a web site and some products or services to sell – and you are good to go! Your market is the whole internet and not just limited to the local area (of course, you can also create a website specifically for local business). It is so easy and cheap to create your own website. Or you can simply hire someone to do the setting up for you – everything can be done for as little as $ 50.

Something Enjoyable

Very likely, you have a hobby and interest in a certain subject. Starting your own online business lets you choose exactly what your business is going to be. Make sure that you can find a way to match your interests with a profitable market so that you can really create something which you enjoy.

The Problem You Will Face

Trying to start a business on your own means that you need to learn how to do it – how to start, where to start, etc. To significantly increase your chances of success, you need to apply proven, time-tested and solid marketing plans. …

Do-it-yourself wedding flowers have become more popular in recent years as resources for creating them have become more available. However, many women do not have the time or other means to take advantage of this option. One simple alternative is to do a little of both – hire a professional florist to handle the bulk of the flowers and save some DIY projects for yourself.

Take on Only What is Realistic

Some brides might like the idea of ​​lovingly creating every arrangement, bouquet and boutonniere. However, that romantic notification often goes out the window after several hours of work results in only miscalculations, wasted supplies and endless frustration.

A good rule is to take on only a few DIY arrangements, ones that will mean the most. For some, this might be the bridal bouquet. If that project looks like a bit too high-profile, consider smaller touches. Hand-crafted corsages for the mothers of the bride and groom would take on special meaning. Realistically decide on what projects you could complete, and leave the rest to your florist.

An already overwhelmed bride-to-be should use her DIY projects as a way to release stress, not create more. Consulting with a florist is a great place to start. Ask for advice on which arrangements are good for DIY projects. A good florist will share ideas, designs and other information that the bride can use to create her DIY wedding flowers. Working together with the florist will ensure that the DIY flowers complement the professional arrangements.

DIY Is not Just About Saving Money

Using DIY wedding flowers in combination with a professional florist offers many advantages. Saving money is definitely one of those benefits – sometimes up to 50 percent or more of a florist's cost. However, DIY wedding flowers can offer something more valuable than money: time, memories and a personal touch.

Some brides have the resources to create every last floral arrangement themselves. However, most women do not have the time, patience or creativity to spare. But by taking on just a few DIY projects, busy brides can still enjoy a sense of accomplishment and pride that no amount of money can buy. Plus, they always have the security of knowing they can call on their florist to help with any unfinished work.

Of all the wedding day expenses, flowers will be one of the few things that last, through photographs, scrapbooks and other mementos. DIY wedding flowers also give the bride an opportunity to invite bridesmaids, friends and family – even the kids – to have a hand in making the wedding come to life. Just the time spent with loved ones, sitting around a table creating bouquets and centerpieces, will create a lifetime of memories.

Resources to Get Started and Stay Motivated

Creating arrangements takes not only creativity, but also other skills such as budgeting, time management, organizing and delegating. Questions in these areas will most definitely come up as brides begin their DIY projects. The Internet is an invaluable resource …

If you are a single parent in these tough economic times, the financial climate can be a little stressful. Finding ways to solve your financial problems due to immediate needs is not easy to solve due to all the competition in the workplace. The type of jobs that a single parent would take on a part time basis to get through are becoming more and more scarce due to job competition from others seeking employment. Keeping up with the bills is harder if you also have late payments which can add additional costs that were not there before.

It is harder to pay for the immediate needs of children if there are insufficient funds due to today's economic climate. Pooling resources with other single parents is one way that can be helpful. Babysitting services can be shared if one is working and the other is at home. This will help in the long run if there can be a shared sense of responsibility that can be worked out between the two single parents. I have two friends now who do this on a regular basis. A sense of financial stability is vital for children to grow up with a sense of security.

Sometimes, two single parents get together and find a real bond between each other and end up getting married. I have a friend that I went to school with that met a lady with a little girl. They worked together and shared responsibility and decided to get married because they had so much in common. They are still married today. This is one of those great stories that you never hear about because of all the negative feedback we are all receiving from the news media.

Debt management is tough when you are a single parent. Credit cards have made it so easy to get deep in debt and now we are all paying for this mistake. I blame the Credit Card Companies for all their advertising to encourage people to spend non-existent money. Remember that Credit Card commercial that everyone was charging their purchase in the line and one person was using cash and the music changed .. The Credit Card companies commercial claimed that using their card was fast and smart but using cash was slow and stupid. Do you see an example of those commercials today, the answer is no because the Credit Card companies are losing money due to defaults of creditors. Remember Cash is King and will always be.

In conclusion, the first step on the road to financial stability for a single parent is debt management. Working together with other single parents can help get you through times like this and give your children a sense of financial security. Occidentally, two single parents really hit it off, get married and have a fairy tale ending. So there is light at the end of the tunnel for some of us. Debt management takes prudence and discipline for success to help end the quandary …

In my last article I spoke about some of the very basic elements every well-optimized website needs to have in order to be ranked higher up in the search engines’ listings. To sum up that article very briefly, you need to make sure that your meta tags reflect your website’s content appropriately in terms that individuals might use when searching for your website. Also, pay close attention to the titles of each of your web pages. Too many people settle for using the same title for each page. Each page needs a different title utilizing different and appropriate keywords.

This article will take that basic understanding of the art behind search engine optimization to another level. Once you realize the importance of keywords and meta tags, you probably figured out that many of the major search engines rely much less heavily on keywords (they’ve been overused by spammers!) and look more closely at your website content.

“What?” you say. “I just spent all that time researching keywords and injecting them throughout my website!” Well, good. You need to take that first step in order to be able to continue further down the SEO path. Yes, Google, MSN, and Yahoo nearly ignore (yes, ignore!) the meta keywords, they don’t ignore the content in your web pages. And that content needs to be chock full of keywords.

Try this little bit of SEO research. Put yourself in the mind of one of your potential customers. Open your search engine of choice (you should probably be choosing one of the biggies because your customers most likely are) and search for your company using some carefully chosen keywords. Don’t use your website address. While searching for your exact website does provide some important information, that isn’t the focus of this little experiment.

Look carefully at the listings that come up. Who is ranked first? What is in the description next to the website? What keywords keep showing up again and again in your competition’s listings? Now, click on a couple of the top rankings. Look at how their website is designed. Do several keywords jump out at you immediately? They should. Take note of these keywords and their placement. Look at the code behind their websites (with different browsers this happens differently- usually it’s under a menu called view source or view page info). Inspect their meta tags and descriptive keywords.

Your head should be buzzing right now with ideas for ways to improve your website. Remember, search engine optimization is a step by step process. Like many things, it is never done. Right when you think everything is looking great, you’ll learn about yet another way to enhance your website’s ranking. Keep moving forward- a step at a time. Before you know it, you’ll see your website in Google’s top ten!

Make sure you check out our website for additional ideas on how to use eMarketing to build your business and generate an online community.…

Stuck in a swamp of debts that seem to have accumulated without mercy? Then you are probably spending much time and brain work on figuring out how to get out of it without resorting to desperate measures. Well, you can unload the burden from your brains and solve your debt crisis through a smart management plan. There are many strategies through which you can achieve the desired effect- namely, the successful repayment of your numerous debts. A tried, tested and preferred method among them is a personal debt consolidation loan.

A personal debt consolidation loan is one that helps you to pay off your multiple debts. You might be languishing under outstanding unpaid bills or unpaid high interest personal loans; the only criteria that a personal debt consolidation loan demands you to meet is that you owe over £5000 to more than one creditor.

Personal debt consolidation loan can be obtained from many professional debt consolidation agencies. The standard procedures through which you manage your debts with this loan are simple to understand. First, all your debts will be assimilated into a single one. Then, based on an evaluation of your financial condition, a repayment plan will be devised. The agency will then loan you the required amount that can fund this repayment plan.

The advantages of availing a personal debt consolidation loan are as follows:

o Interest rate on the consolidated loan is lower.

o You have just one creditor- your consolidation loan provider. You will be paying the installments to this party only. It will, in turn, distribute the payment among your previous creditors. Repayment becomes more manageable

o All negotiations and interactions with your previous creditors are done by your debt consolidation agency. So, you will be spared of any further contact from these parties.

Thus, you can pay off your multiple debts gradually and easily. And since you are paying less than what you were supposed to, you can also save some extra money for your personal use. You can also request for credit counseling which many debt consolidation agencies provide. Under this program, you can learn how to manage your personal finance and economize on your expenditures.…

Trying to shop for life insurance when you have multiple sclerosis can be daunting. It helps to consult experts in life insurance for people with MS, so they can guide you through the process. But it also helps to know what the actual insurance companies look for when underwriting this type of policy.

What do life insurance underwriters look for when they determine the rating for someone with multiple sclerosis?

  • Type of multiple sclerosis. A person with Relapsing/Remitting Multiple Sclerosis is most likely to get a medically underwritten policy like someone of good health can get. The rates will be higher for people with multiple sclerosis, but rates vary widely from company to company. So it is very important to use agents experienced in writing life insurance for people with MS in order to get the lowest rate. There are several No Exam policies that work well for people with the Progressive forms of multiple sclerosis, as well.
  • When diagnosed. Most companies like to wait a year after diagnosis so they can see the pattern the person’s MS takes before making an offer. However, there are also policies that one can get shortly after being diagnoses with multiple sclerosis.
  • Symptoms. It seems that no two people with MS have exactly the same symptoms, and therefore underwriting life insurance for those with multiple sclerosis is complicated. The fewer the symptoms, the better the rate will be, and the more life insurance choices one has. Symptoms considered are: need of assistance for walking, depression, incontinence, nerve pain, memory loss, and whether one needs home health or institutionalized care. Whether or not you are capable of working fulltime is also a consideration for medically underwritten policies. There are policies to cover almost every symptom, so never assume you are uninsurable due to MS!
  • Treatment. Medically underwritten products are easiest to get by people who have had good results with Copaxone, Rebif, Avonex, and other approved MS treatments. However, there are policies for people with no treatment, all the way to people who have had a stem cell transplant.

It can be frustrating for people with MS to buy life insurance when they are able to do what anyone else does, yet still find themselves paying more than someone with no health problems. But even people with perfect health pay higher rates if they have a parent with heart disease. There is no way around paying more, but agencies that specialize in multiple sclerosis life insurance can help you pay a lot less.…