November 2017

Lately I'm getting good buddies and relatives asking me how to begin an internet business. It is not brain surgery, but it is not easy maths too.

Beginning an internet business is really just like beginning a physical business, with the exception that the price is a lot lower and then may be the risk.

When I state it's pretty very similar to a physical business, I additionally mean you need to be entrepreneurial, so that you can 'smell' the requirements inside a market and to possess a vision. Are entrepreneurs born or breed? I do not know. Things I believe is, if you feel you are, you are.

So, if you're entrepreneurial and wish to learn to start an internet business, read on …

Step One: Never reinvent the wheel

Trust me. The majority of the smart and innovative ideas you are able to consider happens to be made by another person online, in some way. If you feel you've a distinct internet business idea, it simply assumes that you've dirty enough research.

So, for those who have any internet business idea, the very first factor you must do is the mind to Google and type in certain keywords associated with your company idea. Completely take a look at all of the top websites that offer similar service or product. What this means is you might want to check out their goods Or solutions and discover their benefits and drawbacks.

Next, you need to evaluate individuals benefits and drawbacks and come forth with a much better idea.

Remember, the task of the entrepreneur is not to invent things. His job would be to seek proven businesses, enhance individuals ideas and obtain a bit of the cake from the market, preferably a larger piece.

Step Two: Consider the marketing system

Most newbie entrepreneurs get one problem. They spend over our limits time trying to perfect their goods.

Getting a great method is important. But in addition to this important may be the marketing system.

With no good marketing system, regardless of how good your products is, it's likely to be challenging for your web business to develop.

It does not matter what you sell, your marketing system should answer 3 important questions:

– Just how can the machine attract and capture a summary of potential users and / or customers?

– How will you result in the system viral, so that users will refer more users?

– How can you convert prospects into customers?

Step Three: Work

When the idea is created and also the marketing product is well-considered, the final key to start an internet business would be to work.

This is actually the overwhelming part because there are plenty of items to be achieved, yet you are able to only move a measure at any given time.

First you need to build the web site. You can purchase a ready script if it is available, make use of the free MYOB script or obtain a freelancer to build …

Facing eviction from your home can be a terrifying experience. The idea of being out on the street, moving back in with family or going back to being a renter are not appealing options for most people. After all, if buying your home feels  like a privilege you can be proud of, then losing your home to eviction feels like a disgrace.

Usually, a person does not get an eviction notice unless they are behind several payments on their mortgage. Thus, even a sizable loan is not likely to completely pay off the sum total of your outstanding mortgage payments in one fell swoop.

On the other hand, many banks are becoming increasingly reasonable with their mortgage customers due to problems in the home mortgage industry as a whole. It just may be the case that being able to pay for one or two back-payments will be enough to put off the eviction indefinitely. Sometimes, a bank just needs to be able to see that you are really trying to stay in your house and are willing to cooperate.

If you are saying to yourself, “I need a personal loan to stop an eviction,” here are 5 steps to take to getting funded:

1. Understand what a personal loan can do for you:

A personal loan is a short-term loan for which you can qualify after going through an application process. It differs from a home loan or an auto loan in that with a personal loan, you are not specifying exactly how you will be using the money. Rather, you can use it for anything you like.

2. Understand the downside of a personal loan:

The only downside to a personal loan is that it is a short-term loan, so you should have a plan together for how to repay the loan within a short period of time of say 1-2 months. Also, a personal loan often has a high interest rate associated with it. Often, personal loans are taken out by making out a check to the lender against a future paycheck.

3. Secured or unsecured: what’s your fancy?

There are two main types of these loans: secured and unsecured. The main difference is that with secured loans, you have to put up some type of collateral against the loan. In exchange, you get a lower rate that with an unsecured loan which does not require collateral.

4. Check your credit score:

Before filling out any applications, it is always a good idea to go ahead and check your credit score before applying. Run your report with TransUnion, Experian and Equifax since your FICO score will vary from one to the next. At the very least, you will know where you stand in terms of your credit. And, doing this will give you the chance to protest and fix any glitches you find there.

5. Apply to multiple trusted personal loan lenders:

To get the best rate for your loan, make sure you apply to many lenders, not …

In preparation for your life insurance exam, we recommend the following in order to obtain the most favorable results.

Ask that the medical exam be scheduled for early in the day when possible, rather than the afternoon because:

  • Most people have lower blood pressure and pulse in the morning, before the day's activities (and caffeine in take) take hold
  • It allows you to fast (no eating or drinking) for 12 to 14 hours before the exam. If this is not possible, you should be very careful about what you eat or drink the morning of your exam. If possible you should only have water. YOU SHOULD CONTINUE ALL REGULAR MEDICATIONS REGARDLESS OF THE TIME OF YOUR EXAM.

Dietary Considerations & Fasting:

  • The best results are obtained when you watch your diet take for a few days before the exam, as we want favorable lab test results. You should avoid fatty foods, excess sugar, etc.
  • Optimal lab results are obtained when the blood draw occurs at between 12 and 14 hours after the most recent meal. These times optimize lipid and blood sugar results. Times outside of this can affect the total cholesterol, HDL, LDL and triglyceride levels, glucose, BUN, creatine, total protein, as well as serum albumin.
  • Caffeine. Do not have any coffee or other form of caffeine the morning of the exam, and as little as possible the day before. Caffeine, of course, can stimulate your heart and throw off various tests.
  • Alcohol. It is best to avoid altogether for a few days prior to the exam.
  • Salt. It is best to avoid altogether for a few days prior to the exam.
  • Water. Drink lots of water the day before and the morning of the exam, as this gives optimal urinalysis results. This will also keep you hydrated, which will make it easier for the nurse to take the blood specimen.

Clothing: You Should wear comfortable clothing. Especially comfortable shoes.

Exercise: While this may be counter intuitive, you should not exercise within 24 hours of the exam. Strenuous workouts within 24 hours can result in false elevated liver function tests and poor urine results. …

The cleaning business, while not the most glamorous of industries is nevertheless a fast growing multi-billion dollar business in the US and offers entrepreneurs unique opportunities to profit and earn a ‘six figure’ annual salary.

Let’s examine the cleaning industry and look at how much money it is possible to earn and what it takes to get to the ‘six figure’ level.

How much Money can you make Cleaning?

Most small cleaning business owners who work at it full-time as sole operators in their first year are able to earn between $20,000 and $30,000. Once they are able to take on employee, build up some local reputation and get good systems in place then a $100,000 annual income is not unrealistic and much more is possible for those who put in the effort.

What Separates the ‘Six Figure’ Operators from the Rest?

Here are ten factors to consider that typically separate the high income earners from the rest –

1) Different cleaning niche markets offer different opportunities. In some cities and states in can be easier to make it in the office cleaning sector and in other areas the carpet cleaning sector is more lucrative. It all depends on local demand and how many companies are catering to that demand.

2) Start building your brand right from the start and view it as your company’s most valuable asset.

3) Develop and refine systems that make sure that your business runs smoothly. Constantly look into ways of increasing the productivity of your cleaning crews.

4) Realize the importance of having a great sales system. Focus your efforts on converting an increasing number of leads into customers.

5) Up-sell your clients with services related to cleaning, premium services or more frequent service.

6) To scale up to the ‘six figure’ level you must learn how to hire, train and organize teams of workers to do the cleaning while you focus on running the business.

7) Learn how to run successful advertising campaigns and learn about modern marketing methods such as networking, cross promotions with related businesses and ‘word of mouth’ marketing.

8) Value your customers. Treat them as individuals and frequently remind them how much you appreciate their business. Satisfied customers can lead to referrals, and acquiring customers through this method is free.

9) Have the right attitude. People sometimes stereotype cleaners in a negative way. There is nothing wrong with being a cleaner for a living but you should view yourself as a businessman or woman first and foremost.

10) Research and learn continuously. Educating yourself about the cleaning business and business management in general doesn’t stop once you set up your company.

Could you start a successful cleaning business and earn over $100,000 a year?…

Business name parts

Small businesses or new businesses often have two parts to their business names. The first part can be described as the unique part and the second part is the descriptive portion. Some people try to use only a unique name for their business without a descriptive part. This is generally a bad idea for small businesses because without the descriptive portion people won’t know what services your business offers. Over time as your brand becomes well-known in your market you should be able to drop the descriptive portion of your name and people will still know what business you’re in.

The unique portion of a business name takes many forms. The following list contains several variations of the unique portion that are often used for tutoring business names.

Aspirational

Tutoring businesses often use words related to success, reaching goals, and succeeding since these are some of the reasons people hire tutors. Words like “Elite”, “Ivy”, “A+”, and so on are examples of aspirational words. Check the thesaurus for more ideas for your business. Words like these are great for a tutoring business name because people will begin to associate your business with success.

Geography

Tutoring companies often operate in specific geographic markets so including the name of your market in your company’s name is a good strategy. For example, you might name your company “Grand Rapids Tutoring” if your company is based in Grand Rapids. A name that includes your location is an effective way to communicate to people in your area that you offer tutoring for their area.

Unique Value

Many businesses have a unique value proposition – something that distinguishes them from their competitors. If your business offers some kind of unique value to customers you might want to include this in your business name. Examples include words like “Traveling”, “One-on-One”, or “Total Math”. Unique value propositions can be related to your method of teaching, grade level, subject you specialize in, etc.

Subject Specific

If your tutoring company specializes in a single subject you might want to create a unique name related to the subject in which you specialize. Unique names can include words in a foreign language you teach, terminology such as “Pi”, or names of influential figures in your subject such as “da Vinci”, “Pascal” or “Einstein”.

Personal Name

Using your own last name in the name of your tutoring business is another useful technique for naming your business. Many successful companies have used this naming technique (I.e. Kumon, Huntington Learning Centers in the United States, Kip McGrath in Australia. This technique can become even more effective if you are already well-known for your work in the education field.

The second part of your business name should be the descriptive portion. Including words such as tutoring, tutors, education, academy, learning, learning center, etc. The descriptive portion of your business name is what tells people what your company does. This is very important when your business is starting out since you want to begin …

The recent housing market slump, the recession and the world economy has taken a huge toll on just about everyone. Many of us struggle to pay our monthly bills and our finances never seem as though they will get any better. Eventually you may get to the stage where you can no longer afford your monthly outgoings and this then leads to all sorts of problems. Late and missed payments, a poor credit rating, CCJ’s, defaults, bankruptcy, the list seems endless.

Whenever you do find yourself in this situation one of the first things most people consider is trying to obtain an unsecured personal loan. This will no doubt ease many of your current financial worries. However, getting an unsecured personal loan when you have a poor credit rating is easier said than done.

I have found that many people’s initial approach to this situation is what is letting them down. So if you really want to get an unsecured personal loan, please sit back and read.

First things first, get a copy of your credit report. You can get a free copy once every 12 months from either, Experian, Eequifax or TransUnion. If you have poor credit, make sure you know exactly why. Once you have checked through your credit report, make a list of anything that appears untoward (even a misspelled name or incorrect address can effect your ability to borrow money). Any errors, make sure you contact the specific lenders and let them know.

Next make a budget plan. Detail on paper all your household income and expenses. So for income, this should include salaries, dividends from shares, pensions, benefit payments, etc. Your expenses should include everything – mortgage/rent, property taxes, utility bills, school/college fees, food, entertainment…just about everything you can think of. From this, work out whether you have any excess cash at the end of the month or are currently living beyond your means.

Then it’s time to do some research. There are literally millions of financial websites that offer loan calculators. Now i may be wrong, but the main reason that people look for poor credit rating loans is to consolidate their current debts. By doing this, you no longer have to worry about paying several lenders and usually by consolidating your debts your monthly outgoings should reduce! Calculate from these websites, how much of a loan you need to cover all your debts and how long you wish to take to loan out for. You should then be given a monthly repayment amount. Is this less than you are currently paying? I hope so!

Print out your findings and put them together with your credit report and your budget plan. Now if you choose to approach a lender for a Poor Credit Rating Loan, you are far more prepared. Additionally any bank or financial institution is far more likely to take you seriously when you have made this kind of effort. This shows responsibility and a willingness to dig yourself out of your …

Everyone is entitled to their opinion which comes from their experience with a particular product, service, or in this case software package. In reviewing the remarks that were left about the OpenEMR software, it is the intent of this article to highlight a few things about OpenEMR and rebut a few things people have said the software did not do. The rating is on these five things:

Ease of use

Functionality

Product Quality

Customer Support

Value for Money

At the time of this writing, there are only 5 reviews showing on the site. I will be commenting on those.

Ease of use:

Two people gave the software five stars, two people gave one and a half stars, and one person gave 3 stars. If you look at the diversity of entries, you can see a wide range of business types that have tried the product. One out of the five is a billing service. The rest are practices. The billing service gave the lowest score of all five.

That is not a surprise as that the software is not really written for a biller but a biller can do the billing out of the software. So, OpenEMR does not have all the bells and whistles that MediSoft has. However, it is fully capable of getting the job done when it comes to billing. A biller may have to think a little more than when using another billing suite that has been around long and is dedicated to billing. But if the biller takes their time, they will find all the tools needed to keep the office flush with cash flow.

Ease of use is a tricky thing because that really speaks to the state of mind of a person. It’s like the rivalry between MAC and PC. Some people use MAC because it fits the way they think. Others use PC because it makes sense to them. Everything is that way in life and purchasing anything. So, for some, it will be hard for them to pick up on how the software work and others will get it right away. We have seen offices that never took a day of training from us and picked up and used the software right away.

Functionality:

There was only one that gave this a 5 star. On this one, let’s focus on two of the comments. Like least was this comment “Super slow and it doesn’t check insurance eligibility”. Let us address the super slow. Without more details, the speculation here is that the program moved really slow. In our experience, this comes from one or three things. First, the computer that the software was installed on did not have enough horsepower to run the machine. OpenEMR is a fairly large program and if it is placed an old slow computer it will run slow. Secondly, if the software is not configured for the software package, it will run slow. These have been the main two reason we found that when people report …

We've heard stories, we've seen news pieces and well, we've just heard it all. People start making money online as a source of side income and a beneficial of these people make it their full time careers, getting into it with all they have got and come out with money they do not know how to spend. Well, if this is the sort of story you've heard and you want to know if it's true or not, hear it now, it is. You can make money using the internet; the only thing you need to know is how to do it.

Do not assume that just because you've got a great idea in your head about how your online business is going to work means that it will work the exact same way. More often than not, things will not happen the way you see them and many times online business fail. So if you're really determined to get this working you need to have a positive attitude about it and you need to be patient as well, do not give up and allow some room for failure because not every business attempt will come off successful.

Before you start anything online, find out what is it you're good at and what you want to do. When you're indecisive you will not make progress, so know what you want to do first. do you want to look for an online job or do you want to venture into affiliate marketing? When you've decided your path, pick a niche and stick with it, be certain of the niche you choose and do not be fickle about it. In order for things to work out, you've got to stick to one plan and tend to it, making sure it gets you somewhere. Good businesses happen because there's a market for it, so that's the next step. With your niche in order, get your targeted market, know who your customers and clients should be and only then will you know what products to supply and how to grab their attention as well.

If you would like to look for job opportunities online, find an area that you're good at and work with that. A flair for writing can you give you the chance to be a freelance writer or you could blog as a hobby and use Google AdSense to help you out in order to make money. Google will place ads in your blog and each time it's clicked, you earn a certain amount and eventually it will mount up to be worth something. As a freelance writer do not just stick to writing on a small time basis but go all out and learn the entire market. Attend a workshop or just do online research and you will be able to write good articles that are really worth it. Writing not your thing? No problem, move on to something that is, it could be video editing, translations, virtual assistant or whatever …

Today, organizations and individuals who do not shred their sensitive and private documents are putting themselves at great risk. Unfortunately, identity thieves and fraudsters look for sensitive information in such places as a dumpster. They not only use this information to steal a person’s identity, but they also use it to create credit cards and other financial tools in another person’s name in order to steal money. A document shredding service is an effective way to destroy sensitive documents. It is actually an important investment in your company’s personal and financial security.

There are many different types of documents that require shredding services in order to safeguard against theft. If you are planning on implementing a paper shredding program, below you will find the kinds of documents that require shredding services:

Individual/ Personal Documents: passwords, credit card and bank statements, any document with a signature, confidential documents, legal documents, lists of addresses, phone numbers, pre-approved credit offers, charge receipts, credit applications, credit card applications, insurance forms, past bank statements, social security numbers, expired charge cards, expired passports, visas, bills, and utility bill statements. As well, other important documents that should be shredded include: cancelled checks, debit card receipts, loan forms, sales forecasts, and identification cards such as employee, military, and college IDs, telephone bills, and old airline tickets. Basically, any paper item that has personal and financial information that you no longer need should be shredded.

Business Documents: account numbers, customer personal information, customer financial information, invoices, sales lists, sales orders, inventory lists, purchase orders, customer credit history reports, confidential documents, passwords, business policies, company by-laws, certificates, maintenance documents, any document with a signature, social security numbers, budgets, bank statements, account statements, expense statements, estimates rental or lease contracts, loan forms, and competitive documentation.

Employee Documents: health documents, resumes, records, contracts, benefits forms, retirement information, employee personal information, and discharge papers. Basically, any employee document is considered confidential and must be properly protected.

Legal Documents: incorporation documents, licensing agreements, court records for settlements and claims, patent and trademark information, severance agreements, expired contracts, expired service agreements, product and design information, research information, charts and graphs, and insurance information. Basically, any legal document that has been deemed confidential and sensitive should be shredded.

For all businesses, a paper shredding service is a valuable investment because it essential that the business, client, and customer information remains secure not only to protect them from thieves and scammers, but also for liability reasons. Companies can be sued if their data ends up in the wrong hands and damage is done to a particular party that the company was suppose to protect.

The benefits of hiring a professional shredding company to shred your documents are numerous. It is an effective and easy way to get rid of confidential information. You will rest easy knowing that your documents were permanently destroyed and no unauthorized third party ever viewed any of your sensitive data. In today’s data mining world where information is a precious resource, document protection …

I had planned this cruise for seven months. A friend and I who had previously cruised with Carnival and Celebrity were eager to try Royal Caribbean after hearing so many positive things about the beauty of the ship, quality of food and service, etc. For the second time, I surprised my retired parents by taking them with us (the previous year I had surprised them with an Alaskan cruise which I will review later), and they were absolutely giddy with excitement when they found out that they would once again be traveling aboard Royal Caribbean’s Navigator of the Seas, which they claimed was their favorite ship of 13 other cruises they had taken. With the ship fresh out of dry dock for upgrades, were set to go to some brand-new destinations none of us had ever visited: Roatan Island, Honduras and Belize City. Expectations were high.

Then cruise time came. While I am not prepared to say that we had a BAD time on this cruise, I think it is fair to say that our expectations were a bit deflated, pretty much from the minute we arrived at the Port of Galveston. Allow me to take you through the high and low lights of life on the high seas aboard Navigator of the Seas.

The Highs

Our dining experience– Most definitely the best service we received on the ship was in the main Sapphire Dining Room, which is without a doubt the most gorgeous dining room I have seen on a cruise ship. Walking into the dining room is like entering a regal opera house complete with grand stair case and three levels of dining with windows on each side. Our two servers were extremely attentive, noting my step-mother’s preference of making her own ice tea with two glasses of ice, 2 tea bags and some hot water, which was waiting for her every night after night one. I could fault her for being a “tea snob,” but then I’d have to look at myself in the mirror with my Starbucks in hand turning my nose up at Folgers. All of us enjoyed the variety of meal choices and thought the food was of very high quality, with service running like clock work. It was truly a pleasure to dine each evening.

Here we are at dinner. I am the goof-ball in blue.

The Cabin– Inside cabin 7667 (Aft Port) was home sweet home for our week at sea. My parents were right next door in 7669. For an inside cabin, there was plenty of room to stow all of our stuff and have a completely clear space to move in. I would say the bed was a bit hard, but it’s all about your preference as my friend and traveling partner Jay (the guy in purple) said his was just right. Ample closet and drawer space allowed us to each have sufficient space to unpack. Our steward service was also top-notch, re-stocking and tidying up twice daily.

The ship– …