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 …

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.…

CIGNA Dental Insurance is available in six different levels of coverage. Depending on what your employer offers you can choose from a plan that reimburses you a portion of your dental costs to an all inclusive plan that does not even have a deductible. These dental plans are offered in addition to CIGNA healthcare plans and are currently only available through an employer sponsored plan. To receive this benefit you must contact your human resource department to request this type of coverage.

The best plan offered by CIGNA dental insurance is the DHMO plan. With this plan you choose a dentist from their network of providers and use them exclusively for your dental work. There are no deductions and no yearly maximum for services. Most of the preventive services do not have co-pays and referrals are not necessary for orthodontic care. You will receive two yearly visits and cleanings, x-rays and pediatric dental services for no extra cost. Enrollee’s will also receive a membership into CIGNA Healthy Rewards program. This program will save members up to 65% off of other non traditional health services such as acupuncture and weight management programs.

CIGNA dental insurance also offers a dental savings plan for those who do not have full dental coverage. The CIGNA Plus Savings Plan is not insurance coverage but rather a membership in a savings plan. By providing your membership card to any of the 76,000 registered dentists on the plan you will enjoy deep discounts on all your dental work. These discounts are pre negotiated through CIGNA and can save the individual a considerable sum over a short period of time. Since this is a savings plan there are no insurance forms to fill out or deductibles to pay. You also do not have to worry about preexisting conditions, frequency of visits or a maximum amount of benefits for the year.…

Looking for an affordable rate of travelers car insurance can be difficult unless you find the right quote. Many insurance companies will charge a higher premium if you wish to be covered while abroad or driving overseas for break and collision cover. You can avoid this by finding the best quote available to you online, which is often cheaper than the off-line or telephone quotes you may find.

To make the most savings, the most effective thing to do is to compare several quotes from several different providers. Be warned though, some comparison sites are front ends for established insurance companies which means that you may not really be obtaining the best deals as the comparison site will certainly be promoting their sponsor. The most affordable rate of foreign car insurance will be available to those who are experienced drivers and are driving moderate rather than overly powerful cars. You can also make savings by arranging your breakdown or collision cover well in advance of your trip or vacation to abroad rather than at the last minute. You will find that the premium charged by the insurance company increases expecially if the cover needs to be provided in an emergency.

Foreign breakdown cover and motorcar insurance becomes more affordable the more you plan for it. Last minute planning or not comparing enough quotes could leave you with a large premium to pay rather than an inexpensive charge that you can easily include in your budget, making your trip abroad a worry free and enjoyable experience. …

Florida health insurance refers to insurance offered by health insurance companies for the residents of Florida. The insurance provider may be a government agency or a private organization. According to the plan chosen, the insurer pays the medical costs of the insured if the insured becomes sick due to covered causes, or due to accidents.

Florida heath insurance companies mainly offer two types of insurance – indemnity plans and managed care plans. With indemnity plans, the insurer reimburses the insured for medical expenses no matter who provides the service. The indemnity category includes three different plans, which include reimbursement of actual charges, reimbursement of a percent of the actual charges, and indemnity. With the first plan, the insurance provider will reimburse for the total cost of the service, the second plan covers a percentage, while the indemnity will cover a definite amount daily for a specified number of days.

There are mainly three types of managed care plans – HMOs (Health Maintenance Organizations), PPOs (Preferred Provider Organizations), and POSs (Point of Service plans). According to the HMO plan, the insured has to pay a flat monthly rate. PPOs are paid on a service-by-service basis. PPOs are usually sponsored by insurance companies or employers who reimburse the insured for the service. In a POS plan the insured pays a small co-payment as long as the service provider is a part of the network.

The rates for Florida health insurance vary from one insurance company to another. It is advisable to compare various insurance providers before selecting any particular health insurance plan. Most of the insurance companies also offer online insurance quotes. This helps the customers to select the ideal insurance policy that suits them the best.…

It is a thought a lot of us have had. Dropping your car insurance policy to save yourself the added expense and to have money to spend on "more important" things. Doing so seems harmless, considering you probably only plan on dropping it for a short period of time, but rest assured there may be serious repercussions for your actions.

First and foremost, one primary reason you do not want to cancel your auto insurance policy because you are required by law to have one if you are an active driver. So, by banking, at this point you would be breaking the law, which is never a good thing. Not getting in accidents is just one of many obstacles you would have to avoid in order to not get caught. Being rolled over for speeding is a surefire way of getting talked with no insurance. In addition, several states set up surprise checkpoints in order to catch drivers that are not abiding by the laws. Sure, the checkpoint may be for seat belts or to check if people are driving under the influence, but while they have you stopped they will check for insurance as well. Insurance companies will sometimes report to either the auto finance company or onto an uninsured motorist list that police officers now have the ability to run your license plate number and receive a report back your insurance status. If the check comes back positive for you being an uninsured driver, they will waste no time in pulling you over to question it. Because of the law requiring insurance, obtaining caught without can result in stiff penalies.

Getting used without car insurance could result in a fine you have to pay, your drivers license being suspended, or even having to spend time in jail. Paying a fine would defeat your original purpose for saving your policy, to save money. Having a suspended license means you would be committing another crime if you choose to continue driving, in addition to the fact that you probably would not be opening an insurance policy before you drive either. As for spending time in jail, well, we all know what that is, and no one wants to go there. On top of the fines you may face, your car may be impounded as well and guess what that means, more money out of your pocket. First, the car can stay impounded until you pay for the original fine, but for as long as the car is impounded, you will be charged a daily fee for that as well. The cost could go very high in a very short period of time.

The law that requires that you carry auto insurance is not the only reason you want to keep your policy as opposed to cancelling it. The policy you have is there to protect you, your family, your car, and your finances. If you cancel the policy and get into an accident while uninsured, and the accident is your …

Pre-production is the most important time for any director because it is the where we go through a “process of discovery.” Here is an overview of what is expected of a director during pre-production. Please keep in mind that all these pre-production activities will vary in time and importance depending on whether you are shooting a film or TV.

(1) Location Scouting

Location scouting is one of the first activities you will be doing in the pre-production stage of filmmaking. Once you have decided on what kind of look you require for the film, a search is then begun for suitable locations.

Who goes on location scouts: Director, Location Manager, 1st Assistant Director, Producer, Production Manager or Unit Production Manager, Production Designer or Art Director, Transportation Captain or a Driver

(2) The Budget

During script development, filmmakers produce a rough budget to convince film producers and film studios to give them a green light for production. During pre-production, a more detailed film budget is produced. This document is used to secure financing.

A budget is typically divided into four sections: Above the Line (creative talent), Below the Line (direct production costs), Post-Production (editing, visual effects, etc), and Other (insurance, completion bond, etc).

The Director should also understand the budget. You should know where you can make suggestions on what elements to take out – and on what to add in.

(3) Casting

When a director first starts prep, you read the script through several times to get a feel for what the story is about and who the characters are. You then have a meeting with the Producer(s) and the Casting Director to discuss their ideas of the characters.

This is an important meeting for the Director, because it’s where you find out what the Producer(s) are thinking and if they are on the right track.

After the meeting, the Casting Director puts together a list of actors that fit the character traits and specific looks discussed in the meeting with the Producer(s).

The Casting Director then has her/his own casting session where they record a “short list” of actors for the director and the Producer(s) to view.

A Director never has enough time to work with the actors in a casting session, so here are the 3 most important qualities you look for when auditioning actors:

1. Do they look the part?

2. Do they have range?

3. Can they take direction?

(4) Meetings, Meetings and More Meetings

The Director will have many meetings during pre-production. These meetings are scheduled by the AD Department and range from script meetings and concept meetings with the producers to individual department head meetings.

The director should have the following meetings:

– concept meeting with producers/location manager/art director

– script meeting with producers and writer

– casting meeting with producers and casting director

– Director and 1st Assistant Director meetings

– costumes

– props

– set dec

– special FX

– stunts

– extra casting

– transportation

– animals

– visual FX

– …

In business, every penny counts so here are our 10 ideas for cost cutting measures:

1. Advertising – Your business could work on joint advertising with adjacent businesses, so that the costs are split between you. You’re still getting full advertising but at a percentage of the cost. Directory websites are another viable avenue for advertising, endorsement and referrals.

2. Think recycled – Buy recycled ink cartridges or refills, rather than new ones. Also, consider reconditioned office equipment to reduce expenditure.

Around 40% of print-outs are destroyed or discarded within 24 hours, so printing sparingly saves money and trees.

3. The bills – Check out the best deals available, although it’s easier to stay with the same company, often you can get a better deal elsewhere. When you tell your existing utility company or phone line provider about a competitor offering a better deal, they will often match or better it rather than lose a customer. Plus, bills can often contain errors so it’s worth checking them to make sure that you’re being accurately charged.

4. Insurance – Again, while it might seem like unnecessary hassle, switching between insurers can be a cost-effective measure, whether it’s personal, health or corporate insurance.

5. Temporary staff – It could be that business is seasonal or that it has peaks and troughs in activity. Temps could be used in peak times while a permanent core staff can work the whole year. This way, you cut the wages bill whilst ensuring that you always have adequate staff cover.

6. Couriers and shipping costs – This is another instance in which shopping around will benefit your profit and loss. Don’t get lazy, it could cost your business extra and you don’t want the courier to get complacent. Consider making any off-site storage on-site too.

7. Wining and dining – If you have to wine and dine clients, does it have to be at the most expensive venue in town? Instead of a meal included meeting, could you transfer to a coffee or in-office situation, which will mean less outlay? It sounds really frugal, but the pennies mount up to save you pounds. Saving £20 a week this way, will add up to a very healthy £1040 in a year.

8. Collection not delivery – This isn’t always practical, but if there is a delivery charge attached to a purchase and you could pick it up, do so. For items like stationery, crossing through town and loading up your own van may be cheaper than paying the supplier’s delivery charge. Of course, this only works on routes that aren’t likely to cost you more in petrol. You could always try to negotiate a waiver of delivery with companies that you make regular purchases with.

9. Outsourcing/cloud sourcing – Certain functions within a business could be outsourced; content writing, IT, web design and customer services lend themselves well to outsourcing and cloud sourcing. You can hire an expert for the time and work that’s required, rather than …

As you begin to consider all of the options and treatments, you must also consider the costs. You will want to consider the cash paying options and the insurance options that you have. Although health insurance may pay for some or even all it is not clear as to exactly what is covered and what is not covered. There is a phone number you can contact for help in reading your insurance policies to figure out what is covered and what is not covered. Fertility Lifelines can help you at 1-866-LETS-TRY (1-866-538-7879). They can help you decipher what your plan covers. If you are not covered by an insurance plan, there are other options to help you pay.

How to Pay When Not Covered By Insurance

A new program called FertilityAssist can increase your chances for success by making treatment more affordable. If eligible, you can even get your meds through Freedom Fertility Pharmacy. In some places, there are insurance advocates that can help you find the information you need to get the help you are looking for. There are insurance specialists that you can talk to and counselors that will help you. Take advantage of all the help options that are available. There are steps that have to be followed and some times these steps can be overwhelming. Get help when you are confused and make sure you ask questions.

Ways To Find The Help You Need

Along with talking to information lines and insurance advocates, you can also go online to talk to some specialists in your community. The clinic or hospital may also be able to help you. Mayo Clinic is well known for their reputation and help; you may want to talk to them. You will go through counseling before taking the steps so be sure you voice your concerns about how to pay for such a procedure. Remember there are loopholes to every thing and if you do your research and find someone who knows about these you may find a loophole that will help you pay for all of the treatment.

Finding the right infertility insurance [] will lift massive amounts of stress off of you during a delicate life changing process. If you are lucky enough to have insurance then a big part of your battle has already been won. If you are still searching and still not sure how you are going to pay there are financial aids available to you. Keep searching and something good will happen.…

Your Colorado optometrist may participate in Medicaid and provide eye exams and glasses for your children at no cost to you. Almost 1 of every 4 children in Colorado is insured through Medicaid. Because so many children are covered under Medicaid there are six points you need to understand.

  1. Medicaid coverage for vision varies state by state so don’t presume you will have the same benefits when moving to Colorado from another state. There are different types of vision care coverage for children and adults. Changes in eye care benefits have occurred in the last few years, and will continue to change with health care reform. Expansion or cut backs in benefits may occur at any time. Medicaid is a state run program run in cunjunction with the Federal Governement. States can vary the coverage policies to some degree. The state of Colorado has it’s own plan. One example of the differences is adult coverage. Adults have a $2.00 co-pay for eye exams and limited benfits for eyeglasses. Many states have full coverage for adults.
  2. For Medicaid vision coverage in Colorado, children’s vision insurance coverage is defined by age 20 and under. When reaching age 21, Colorado Medicaid considers you an adult and the benefits change. Children are eligible for an eye exam by their optometrist as needed with no co-pay.
  3. Contact lens fitting fees entail additional charges above the regular eye examination. These are not covered unless there is an eye disease that warps the cornea. Contact lenses may be the only way to provide acceptable visual acuity. The actual contact lenses are also not covered unless their is an applicable medical diagnosis. This is not a area where a patient can plead their case. If there are specific medical conditions requiring contact lenses your eye doctor has to file a form to have your case considered. The review process can take several weeks to several months. It is normally approved if contact lenses are the only way to correct your vision due to a corneal eye disease. Your optometrist may have to submit a form for prior authorization more than once to communicate the need for special consideration, so you will need to have some patience.
  4. A standard eyeglass frame and lenses are covered with no co pay. A standard frame means frames are limited to inexpensive frames. That does not mean they are necessarily low quality. Your optometrist is only allowed a limited reimbursement for the eyeglass frame. Repairs for broken frames or lenses are a benefit, and a replacement frame is provided if the frame cannot be repaired. While this is not necessarily an unlimited benefit, it can be used more than once if your child is prone to breaking glasses. Loss of eyeglasses is not specifically defined as a benefit but may be covered.
  5. Lens treatments such as scratch resistant coatings, glare free coatings, tints, and thin lens materials are not covered. Scratch resistant coatings are the one option you should purchase. Prescription eye glass