231 Front Street, Lahaina, HI 96761 info@givingpress.com 808.123.4567

Make Money Using These Freelance Home Writing Ideas

Freelance home writing provides a wonderful opportunity for anyone looking to bring in some extra cash. This type of work is perfect for stay at home moms, part time workers, college students, or anyone else who needs some extra income without needing the other benefits associated with having a job.

Even if you have a full time career, maybe you need some extra cash to pay for those holiday bills that add up or would like to take your family on vacation? Regardless the situation, picking up freelance home writing jobs is a great way to make money at home. The popularity of the internet has made it possible for anyone with decent writing skills, a computer, and internet access to get started in the freelance writing world!

Here are a couple quick ideas to get you on your way to making lots of money through freelance work from home.

  • Online Freelance Sites – Create an account on sites like Elance which provides a platform to connect businesses with freelance writers, developers, and more! These sites allow businesses to submit opportunities to the site which are then bid on by freelancers.
  • Go it Alone – The internet is truly a powerful tool and freelance home writing has benefited from it. Consider writing passive income content and publish it on your own blog, website, or content site. While there is usually no set payment for this kind of work, the potential earnings far outweigh the alternative.

Freelance home writing offers a lot of flexibility to individuals looking to bring in some extra money or even earn a full living. This type of job requires a lot of hard work and determination for success and is not a get rich quick money maker. Countless hours can be spent bidding on work, writing content, and growing your skills. However, it also provides a great alternative for making extra money! …

How to Make Custom Boxes at Home

At Home DIY

The economy is in a downfall right now. If you are like me and not living in the 1{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} that can afford to throw their money around then you try to save money as best you can. DIYs are “do it yourself”s that help save money yet receive quality results. One DIY that helps young entrepreneurs who are also cost efficient are Homemade Custom product boxes. If you look online, you will see many DIYS with different ideas about how to create your custom product box. On Pinterest alone just typing the words “custom boxes” will get you hundreds to thousands of results. Some of them even have free templates to download just to help you make it easier. But make no mistake, making your custom box is not as easy as it seems unless you have a good background in crafts. Hopefully, this article can help you.

Supplies

– Box cutter

– Decorations

– Measurer

– Cardboard or material to make box

– Packing tape

Steps

– Take the cardboard and box cutter and open up the cardboard so you can shape the cardboard into whatever shape you want

– Take the object you are going to send and use that to measure the dimensions if the box and cut accordingly

– Fold the box, so it fits well around the product.

– Make finishing touches to the box, so it looks nice, and so the item does not fall out or break. Then use the packing tape to seal up the box. If the object is fragile, then I suggest insulating the box with materials such as bubble wrap, tissue paper or packing peanuts, etc.

– Finally, decorate by adding a company logo or just make it pretty, however, you would like.

Alternatives

If you are not the creative type to imagine a particular type of custom box, then do not worry. There is a wide variety of custom box templates to choose from. Some include

– an oven shaped template for baked goods

– Footlocker boxes for shoes

– Premade candy boxes

– Etc.

Question and Answer

One of the questions I hear a lot that revolve DIY Custom boxes are how are they better than just buying premade custom boxes made by professionals. Well in the case of DIYs:

– They are usually cheaper than going through a manufacture

– you get to have a lot more control over how the process is done

– Sometimes manufacturers do not let you add an addition that you want

– Sometimes the manufacturers around your area do not have a particular material that you need or want.

In support of buying it from a store some might say:

– When building, you lose time which can lead to you losing money and nobody wants to lose money

– There isn’t a warranty on homemade products so in the occasion where your box breaks you would have to start over and waste more money

– There …

Gain Efficiency Through Claims Investigation Services

Importance of Claims Investigation

Underwriting and claims investigations are the two most imperative perspectives in the working of an insurance company. In the current commercial environment where competitiveness and financial gains stand as vital business cornerstones, claims investigation can serve as a market differentiator that puts insurance agencies at the front line of industry leadership and innovation.

To be effective, insurers need to enhance the operational productivity of their claims processing and assemble a working model that can minimize claims costs and also dispense the unnecessary expense associated with managing real as well as fraudulent claims.

Numerous insurance providers have varied claims operations, personnel and units that concentrate on the products and services (non-life and life) they offer to people or on various business sectors. This model frequently brings about gigantic claims operations with notable unit designs, system infrastructure and procedures for every market or line of business. In addition, in high-volume or exceptionally complex operations, fraud, waste and abuse claims are the ones that distress the insurance companies the most. It is here that the process of claims investigation works wonders, and helps insurers gain efficiency in their day-to-day operations.

Understanding Claims Investigation

The Claims Investigations process is one in which Insurance Companies, Insurance Examiners, or Investigators get data to assess a claim. Thus, it might require examining documents, finding witnesses, going talking with individuals, assessing property, for example, vehicles, accident sites to give some examples. Further, these investigations may lead to taking photographs, video, finding witnesses, talking with the victims, claims managers and much more. In doing so, insurance companies are looking for able partners that can deliver all the services of the claims investigation process, and this leads to the need of a Third Party Administrator who can work in tandem with the insurance providers to settle the claims and give valuable suggestions.

Various Forms Of A Potentially Fraud Claim

Fraud is a general term used to portray an act of deceit by an individual or group. This act of deceit can come in various configurations. For instance, insurance investigators attempt to uncover the individuals who make false claims with a specific end goal to get insurance money. Likewise, intellectual fraud occurs when fake items are passed off or sold as originals. Mortgage fraud happens when some person has adulterated the paperwork to ensure a loan goes through. Since each of the aforementioned claims fall in the fraudulent claims category, then having a certified claims investigation agency can only gain efficiency in each and every step of claims adjudication.

As you must be aware of the fact that fraud is a gigantic issue that costs insurance companies billions of dollars each year. In such a scenario having a trusted insurance claims investigation partner can very well leverage the workload of in-house working staff of an insurance company. And with integrated platforms and digitized reports can present you with real-time information on every claim investigated.

Following these points can help evaluate the claims investigation service quality parameters, and …

Making Money Online: Blogs versus Subscription Websites

What is the difference between a blog and a subscription website?

This is a question we are often asked.

Our answer usually goes along these lines:

There are some similarities and many differences between blogs and subscription websites.

Let us start with the similarities:

1. The majority of blogs and subscription websites focus on a narrow specialization. For example, fly fishing in Scotland or beer distribution in the US.

2. Both are usually driven by an individual's passion and expertise for their specialization.

3. Both involve writing about this specialization and posting this information on the web in a timely way

Now the differences:

1. Blogs are usually written by people wishing to share their opinion and expertise.

2. Very few blogs make money.

3. Even fewer allow their editors to do it as a full time job.

4. Subscription websites are usually setup as commercial businesses. Their intention from the outside is to generate income from providing access to unique and expert knowledge.

5. The single owner or small team are usually full-time.

6. Blogs give all their content away for free. Any revenues are generated by advertising revenues or referral to another business activity. Subscription websites typically require members to pay to get access to their premium content.

Today there are around 50 million active blogs. It is estimated that less than 500 of these make sufficient revenue to give one or more people a full time income.

There are probably less than 30,000 subscription websites on the internet, but we would estimate that over 80{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of these are generating a full time income for their owner or company. Some are making many millions of dollars.

For the more internet savvy, it is worth putting some numbers around the different revenue generation methods – Advertising vs. Subscription.

Assume a website publisher wanted to make $ 100,000 per year from their specialist content website. These are the rough sums:

A Blog with Advertising

The average revenue from advertising for a blog is $ 3 for every 1,000 pages viewed ($ 3 per CPM). To achieve $ 100,000 revenue a site would have to have roughly half million visitors each month each viewing an average of four pages a visit (2.7m pageviews / month).

A Subscription Website

For a subscription website to achieve $ 100,000 revenue they would need to have 834 subscribers each paying $ 9.95 a month.

Blogs need high volumes of traffic to generate advertising revenues. Subscription websites need a lower number of highly dedicated and committed members.

The type of content also offers to different.

Blogs generally provide highly timely news and opinions about their niche subject. Successful bloggers often post multiple times every day. Their goal is to get readers visiting a little and often. This tend to generate the most advertising revenues.

Subscription websites tend to have a much more diverse range of content including:

o Directories

o How-to articles

o Applications (eg online investment portfolio management)

o Forums

o Events calendars

o News …

Business Success Tip – Never Stop Learning

Business owners sometimes have a hard time with change. Setting up a business takes a ton of work to begin with and changing the way you've decided to do business means even more work. Chances are, when you set out to start a business, you did not do it because you were interested in making your life as tedious and laborious as possible. On the contrary, you wanted to do something you loved and were good at and make some money from it. Unfortunately, change is the only thing anyone can count on in the future. The good news is that the more open you are to changes, the better your business will absolutely be and the easier it will become both to do business and to keep adapting. Cultivating a love of learning and a willingness to apply it is the single best thing you can do for your business.

Learning new things everyday and staying on the forefront of technological and business trends will help you keep your business relevant and competitive. Learning as much as you can about your industry, business in general, and your customer's wishes may inspire you to make changes in your business, and making these changes might not be fun or easy, but every time you make a change and learn from the out, your business becomes a sleeker and stronger. Also, many of the technological innovations that appear every day are created to make business easier. So, if you can summon the motivation to make a change now, you can potentially save yourself a lot of time and effort in the long run.

Many of the largest companies in the world are able to remain viable because they are willing to make necessary and sometimes painful changes to their structure and business model. Bill Gates is the CEO of one of the largest and most successful companies in the world and he is a self-proclaimed lifelong learner. He attributes his success to his desire to learn new things all the time and his willingness to make changes based on his learning.

If you stop learning, innovating, and advancing, you fall behind; because the rest of the world is thundering on like a juggernaut and they have no problem leaving you and your silly little company in the dust – more cake for them.

If you can learn to love learning, your responsibility to stay on top of business trends will be met with ease. Then, you need to be humble enough to open your mind to the possibility of changing the way you live and work for the better. Easier said than done, I know, but not only is it helpful to your business to keep learning, it's absolutely vital.

Success Tip: Never Stop Learning (employees)

We've been admonished our entire lives to learn. From the time we enter kindergartens to the time we graduate from college, our main purpose in life is to consume information and regurgitate it on demand. The …

A Guide To Life Insurance Settlements

Individuals often allow payment towards policies to lapse and lose amounts due to them even after money has been paid to insurance companies over the years. One of the choices that a customer has, is to cash in the policy and get cash surrender value, that is the amount which has been previously paid over and above the interest. Second choice may be to sell the policy to a bank or some other financial institution. These buyers provide cash settlements that exceed cash surrender value of policy. This cash payment is termed as a life settlement.

Generally amounts earned through life insurance settlement are much higher than the surrender value of the policy. More people are becoming aware about life insurance settlements. Brokers who bid and deal for various life insurance settlements are popularizing such a trend. Companies that are into buying life insurance settlements basically look for a policy that belongs to senior citizens above the age of 65. Such policies fetch a good value in the market, but this is valid only for individuals who may be keeping good health.

Treatment for illness could be expensive and a financial drain to a person. Viatical settlements provide financial support to families and provide comfort at an emotional level too in case of serious diseases. Such settlements allow individuals to use present day values ​​of their policies and cash them to reduce financial pressure. These settlements are legally recognized and value obtained for such claims are equal to their face values. There are various limitations involved with Viaticals sales as method of settlement depends on the state involved. Therefore, anyone considering a Viatical settlement should consult legal professionals.

Also before finalizing a Viatical settlement, policyholders can reconfirm various deals offered by insurance companies to check who offers the best deal. Some policies offer cash value apart from death benefit and accelerated death benefits that can offer access to cash. If no feasible options are available, Viatical settlements may be an ideal option for terminally ill individuals and their families. …

5 Ways to Lower Your Homeowners Insurance Costs

The price you pay for your homeowners insurance can vary by hundreds of dollars, depending on the insurance company you buy your policy from. Here are 5 ways you can lower your homeowner's insurance costs.

1. Shop Around:

How many of us know whenever we are getting a good deal on our home insurance policy? Shop around and comparison shop. You may be amazed at the savings that you are missing out on. Use the Internet, ask your friends, check the Yellow Pages or contact your state insurance department. National Association of Insurance Commissioners and get rates from 3-5 different homeowner's insurance companies.

2. Raise Your Deductible:

Deductibles are the amount of money you have to pay towards a loss before your insurance company starts to pay a claim, according to the terms of your policy. The higher your deductible, the more money you can save on your premiums. While most insurance companies recommend a deductible of $ 500, if you can affords to raise your deductible to $ 1,000, you can save as much as 25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} on your homeowners insurance.

3. Do not Confuse what you paid for your house with rebuilding costs:

This is the most common mistake that homeowners make when deciding the replacement value of their home. If your home is worth $ 150,000 and the land it is on is worth $ 25,000, then the cost to rebuild your house if $ 125,000. Do not get insurance for $ 150,000 as the land is not going anywhere.

4. Buy your home and auto policies from the same insurer:

Some companies that sell homeowners, auto and liability coverage will take 5 to 15{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} off your premium if you buy two or more policies from them. But make sure this combined price is lower than buying individual coverage from two different insurance companies.

5. Improve your home security:

Adding smoke detectors, burglar alerts or dead-bolt locks can drop the cost of your insurance by 5-10{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc}. Adding a sophisticated fire and burglar alarm that rings at the police, fire or other monitoring stations can also save you 25{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} -33{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} on your homeowners insurance. …

Making Money Online – Explained – 3 Powerful Steps to Successful Money Making in Online Business

Internet Marketing is a step by step process; these steps are powerful because without them your business will fail! The 3 Powerful Steps involve keyword research which is basically carried out in 3 Steps:

Step 1- Create a List of Keywords

The first thing that needs to be done is to find broad keywords related to your niche or topic, search for different words with similar meaning within this broad keyword list.

Step 2- Identify the Profitable Keywords

What needs to determined is whether the keyword you searching has any money making potential. If you don’t get this first step right at the start, you most likely will find that everything else you do will just be a waste of time. Profitable keywords are the foundation of building a profitable business. This important powerful second step is one of the reasons why so many online marketers fail to make money online.

Step 3- Measure Your Competition

The third step in to scale your competition. Google Search results can be somewhat misleading; most people tend to believe that the competition for a particular search is too competitive. This is not true.

There is a not so well known technique that can be used to locate the best money-making keywords … these keywords believe it or not are these are ones most people avoid because they think that there is too much competition.

Most people online overlook these steps.

So to join the ranks of successful marketers implement these powerful 3 steps in your marketing strategy, combine these powerful 3 steps into your marketing strategy you will well on the way to successful money making online business.…

Comparing California Home Insurance Costs

Rates for home insurance in California are calculated by the insurance company that provides the policy. They are not set by the state, but the state government must approve rate requests. Here’s what you can do to compare residential insurance costs if you are a California homeowner.

The California Department of Insurance provides a premium survey on their Web site that allows you to get an idea of what premium you might pay for your residential insurance. You simply enter the area you live in — say Los Angeles Pasadena, then type and amount of coverage you want and the age of your home. The site then generates a list of premiums for that type of scenario from various companies.

However, this is essentially just giving you a ballpark comparison. It is very useful as a starting point, but what you really need to do is get specific quotes since your situation could be unique. For example, you may have a swimming pool, and a renovated kitchen. The Insurance Information Institute recommends getting at least three different quotes to get a good comparison. You may even want more.

You can use the list of companies from the Department of Insurance site and start requesting quotes from the ones you are interested in. Make sure you provide the same information — requested coverages, deductibles, etc. — to each company to get the most accurate comparison.

Many people find it easier to go to an insurance comparison Web site. These sites allow you to enter your information once, and then they return several quotes back. The quotes are still customized to your area and situation; it just saves you some time calling or surfing the Internet and then filling out multiple online forms.

Once you have found a quote you like, check the financial rating of the company to make sure they are financially stable. Again the Department of Insurance Web site can help you here. They have a company profile tool which allows you to get information about a company such as financial rating and complaint history.

Also, be sure to ask about available discounts that can save you money, such as insuring both your home and your vehicles with the same company.…

Paying Much Less For Quality Home Insurance – Consider These

You can pay much less for quality home insurance if you know the ways to go about it. You need to make certain adjustments and put certain things in place in order to get more affordable rates. If you're really serious about paying less then consider the following as they'll help you achieve just that …

1. Does your house have fire escapes? If you do then make it known to your agent and see what discounts this will get you. Even with simple rope ladders for the upper rooms, you still could get some discounts. Make sure you have a fire escape unless you do not intend to benefit from this savings opportunity. And do not forget to ask your agent what your insurance company sees as a standard fire escape because complying with that assures savings.

2. Although you have the choice of insuring against every imaginable peril, you really do NOT need to. There are perils that will never happen in certain places. Knowing the climate trend of a place you can say with a level of assurance the types of perils that can strike.

It is wise to ensure you insure your house against every peril that has a reasonable likelihood of happening. At the same time, you may just be wasting your money if you purchase coverage for a peril that has never happened in your state's past records. Review your policy for only likely losses. You'll lower your premium by doing this if you purchased more than necessary at first.

3. You will lower your home insurance rate by up to 15{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} if you change to modern heating, electrical and plumbing systems. For example, the traditional fire place may be more romantic but it's however not as safe as a modern heating system. Building technology has improved in many ways to make your home safer. Make good use of them as they'll not only lower your home insurance premiums but add to the value of your house in several cases.

4. You'll get lower home insurance rates if you obtain group homeowner's insurance. You can confirm from associations you are part of since they may have obtained group discounts for home insurance.

However, before you apply this option, compare the rates you will get from such an association with what you will pay with another insurance company. This is because you may end up finding an insurance company that is ready to take less than you'll even receive with your association's discount. Shopping extensively will enable you get the best rates.

5. Do you know everything your home insurance policy excludes? They're things that the policy does not give you coverage for.

Before you start celebrating about that cheap offer, ensure that the exclusions section does not slash off things of great importance to you. Any home insurance policy that places you at risk is NOT really worth the paper it is written on no matter how inexpensive it is. Before buying make sure …