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How Formal Is Too Formal for Business Emails?

In a generation where everything is fast and we can all connect with the click of a mouse or a tap on a screen, it is easy to skip a face to face conversation and opt to send our messages digitally, however one disadvantage of this is that when someone else receives our messages, they do not know our thought process at the time we are writing and cannot see our facial expression to get a sense of our mood. In spite of this, it is possible to enjoy the convenience email offers without making common faux pau.

Most business owners or employees spend about 30{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of their work time sending out or receiving emails. Despite how popular the use of emails are in business, some people still don’t use emails properly. This is not surprise because you can hardly get a set of instructions or guidelines on how to use emails for work, so in most case we rely on our own discretion. Some common email mistakes and how to avoid them are:

1. Not offering a greeting. It is not a coincidence that we always answer the phone with a “Hello” or “Hi” or some form of official greeting when answering a business call. In the same vein, when sending emails, we should start with a standard greeting, a simple “Hello”, “Hi”, “Good Day”, “Dear [Name] would suffice. Also when closing, before you sign your name, be sure to include “Cheers” or “Regards”. This adds some warmth to the email. The kind of greeting you use should be determined on who the recipient of the email is, for example, you would use a more formal tone when sending an email to your boss and less formal to your colleague. When in doubt, you can match the same tone as the recipient, when sending a reply or from a previous correspondence with them.

2. Watch your use of language. English is the most widely used language in the world today, and in most workplaces. For some users it is not their first language, and even people who speak the language fluently, do make some common mistakes like, not using punctuation properly. Using the exclamation mark (!) more often than necessary, forgetting to use question mark (?) when prompting the user for a respond to a question, or sending an email in all UPPER CASE, which screams “Hey look at me”. Avoiding some of these common mistake would improve the rate at which your emails are received.

3. Matching the customer’s tone when replying. Picture this for a minute, you get this awesome new tablet, to help you run your business on the go. The tablet is really awesome and does all that you need and more, you are so impressed that you email the company, letting them know how their product has made your life a whole lot better, and you would be willing to write a review for the product. Their reply to you goes from the company …

How to Properly Insure Your Concrete Pumps

The business of concrete pumping comes with many challenges, one of them is being adequately insured when something goes wrong. Many concrete pumping companies have pumps and assume they’re automatically insured under their general liability policy, unfortunately they are not.

Trailer concrete pumps should be insured under what is called an inland marine floater. This type of insurance policy provides comprehensive coverage for your pump, insuring it from perils such as theft, vandalism, and damage you may cause it in the event of a car accident. This is similar to the coverage you may have on your car.

Just like any other trailer, liability coverage is automatically extended from the vehicle to the trailer it’s towing. For example: If your trailer sideswipes another vehicle, your auto policy will provide liability coverage to repair the vehicle you damaged. Repairs will only be provided up to your policy limits. Keep in mind if the auto policy your truck has does not include business coverage the insurance company will most likely deny your claim. Make sure you have a proper commercial auto policy before you tow anything for business use.

What about concrete pumps you can drive, how are they insured? Because these type of pumps are self-propelled they would need to be insured under a standard commercial auto policy. Make sure to mention any custom equipment you have to your agent. Just like on any auto policy custom equipment should be stated as such and endorsed into the coverage limits. Custom equipment can include any aftermarket stereo systems, hose reels, ladder racks, etc.

Always provide the replacement cost you’d like if your pump is stolen and ask for it to be stated in your policy. This way you’ll be sure you have enough to replace the pump in the event of a loss. Some carriers provide the actual cash value for your pumps unless otherwise requested. This means you’ll get the replacement cost minus depreciation to compensate you on your pump. Actual cash value may not be enough for you to buy another pump if yours is damaged, this option is not recommended.

Always consult your insurance agent before making any final decisions on your insurance policy. Each concrete pump is different and may have specific needs. Keep these points in mind when shopping for your insurance policy and you’ll be well on your way to protecting your business in the event of a loss.…

Managed Care HMOs

Do not know what HMO stands for? Health maintenance organizations are managed care programs.

In terms of affordable health insurance, health maintenance organizations (HMO), which are managed care programs, assist people to stay in good health. At least that is the idea behind them.

Put another way, the philosophy of HMO insurance plans is that if a person stays healthy and maintains that health, they will prevent disease. The care provided by the HMO will help people stay well. Staying well means rising health care costs will be controlled.

When insurance plans like HMOs were first launched on the market, people who opted to buy affordable health insurance paid a fixed monthly premium that was prepaid. What those people got in exchange for affordable health insurance was access to health care offered by a certain network of providers that included clinics, hospitals and other medical care providers. This meant that despite people were getting affordable health insurance, they were restricted to using "only" the procedures, benefits and doctors, etc. That belonged to the network.

HMOs were initially implemented by the government in 1973 to get rid of individual insurance plans and offer affordable insurance to everyone who wanted it. When they first came out, companies were buying individual health plans for workers.

Over time it looked like the better deal would be to get businesses to buy subsidized low cost health plans for employees and not expensive individual ones. Seeing a great opportunity, insurance companies started pressuring doctors to join HMOs. Fact is, doctors were told if they did not join, the insurance companies would see to it that they'd take their patients away with cheaper health care through the HMO. The threat worked and many joined the HMO plan to save their practices.

The more things change, the more they do not always change for the better. What happened with HMOs is that every time a doctor renewed with them, the rules were changed and got stricter and stricter, mandated that they see more patients and get more services pre-approved. HMOs used to be the cat's pajamas, but by the end of the 1980s and with a stack of unpaid and denied claims, people began to leave HMOs in droves.

The interesting thing here is that denied claims were denied because of bad investments the insurance companies made, not because of the claims themselves. The insurance companies invested in real estate, and when the boom went bust they could not cover HMO claims. Unfortunately over time it became an almost "ritual" for HMOs to deny claims. So much so, that today it seems to be a part of the way they do business.

Thankfully, a new breed of attorneys has begun chasing HMOs for those denied claims; Claims that include medical malpractice (med mal), bad faith and even wrongful death. In a nutshell, this boils down to the HMO may be sued if an individual dies due to the HMO denying cover for necessary medical treatment; For denouncing valid …

Why Men and Women Avoid Personal Training With the Opposite Sex

All fitness centers are a place for many types of gym goers, this does not include bodybuilding gyms and women’s only fitness centers. All fitness centers provide personal training. There has always been some separation with male and female personal trainers. The big question here is why males and females avoid personal training with the opposite sex?

From a female personal trainer perspective, I see this male and female personal trainer avoidance quite often. First, most personal trainers are willing to work with anyone and everyone. Some may prefer older adults, men, women, children, or just athletes. In my own personal experience some older women tend to avoid male personal trainers because they feel as though they are only into body building which reduces the chances of training with a male trainer. Some women think male trainers are the “Arrogant” type. A good majority of women only want to train with female trainers because they are uncomfortable with training with men. Most women are seeking trainers that are understanding and knowledgeable. Some look for trainers that specialize in certain aspect of training such as weight-loss, corrective exercise, strength training, and do not have a preference in male or female.

The other day I encountered a gym goer while training some clients. Lets call her “Connie.” She spoke with some of my clients both male and female. She asked them about my ability as a personal trainer as well as my personality. My clients then discussed my training methods and personality. When I walked over and introduced myself she said she has been looking for a personal trainer for a while now and that I seemed like the type of trainer she wanted to work with. Of course I had to ask her why. Hearing some frustration in her voice stated she felt intimidated by the male Personal Trainers that she has seen in this particular fitness center. She needed to be trained by someone more “like her”, meaning a female personal trainer.

On very rare occasions men have come to me seeking advice on reaching goals. Granted I am always willing to assist anyone with any questions fitness related whether they are male, female, young, and old. I have had men deliberately avoid me like the plague at the gym even though they have seen me training for several months. Do the letters on the back of my uniform not state “Personal Trainer”? Am I intimidating? Do you think my years of experience and knowledge are inadequate? Am I not strong enough to spot you? “Do you think you will offend me while speaking to me?”

A few years ago while at the gym with my husband. I was spotting him on his last set on the bench press. There was a guy on the chest press clearly needing some assistance. He waited until my husband was finished and walked right past me without a word and asked my husband for a spot. I was disappointed. I may not be …

The Kyani Compensation Plan Explained – How To Make Money With Kyani

The Kyani Compensation Explained

Kyani is a health and wellness company that sells products including its flagship healthy blueberry beverage, through the network marketing business model. If you are a Kyani Distributor, or you are thinking of becoming one, then it is vital that you familiarize yourself with the compensation plan before you start, since this is how you will make money with the company.

How To Make Money With The Plan

Kyani offers a monthly residual-pay compensation plan which, it says, doesn’t punish you for developing strong leaders and also allows you to use volume from your strong leg. It calls its system the Kyani PayGate Accumulator, and it pays up to 44{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of monthly sales volume through 12 PayGates, with no restrictions on depth.

Distributors can earn commissions by buying the product at wholesale price and then selling it at retail price. There is also a Recruiting Bonus, where a bonus is paid out when you sponsor someone new into the business.

On top of this, Distributors can earn a portion of every residual PayGate check in their own organization, up to 9 generations deep, as well as receiving a one-off bonus every time they reach a new rank, and also by qualifying for incentives like the Car Program and the Trip Program.

What They Don’t Tell You About The Kyani Plan

The plan has the potential to be quite lucrative, but like all compensation plans, your success or failure will depend on how many products you can sell and many talented people you can sponsor into the business.

Most people will try and sell just to friends, family or neighbors, but this strategy is unlikely to make you much money in the Kyani compensation plan. You need to be generating hundreds of top-quality free leads every single week, and adding 2-3 people into your business every single DAY, and trying to do this just by selling to your friends and family is almost impossible.

Instead you need to learn the art and science of target marketing using the internet. This strategy, if learned right, will allow you to set yourself up online as an expert, and people will know and trust your name. Hundreds of people every week will contact YOU, asking you about how Kyani can help them, and desperate to join you in your business.

So the truth about the Kyani comp plan is that it can be lucrative, but only if you know the tricks behind making the most of it.

To find out more about how internet marketing could explode your business, see Kyani Success Online…

5 Ways to Make Money From Your Mentalism and Magic Skills

If you have the skills then you can earn a full time living from your mentalism and magic. Let me say from the outset that what I am talking about in this article are magic and mentalism tricks for entertainment. I am not talking about contacting people in the afterlife or casting spells for fun and profit.

What do I mean by mentalism and magic? Very simply, magic uses sleight of hand whereas mentalism uses sleight of mind. A mentalist may ask someone to think of a number then (pretend to) read their mind and tell them that number. A magician may make an object disappear and then magically reappear somewhere else. You can specialize in magic or mentalism and still earn a good living but you will maximize your earning potential if you can do both.

1. Working the tables at weddings and in restaurants

This is a common, and for some, most reliable way to make money in magic. Traditionally, mentalists do not do as well as magicians in this environment. The reason for this is that at weddings and in restaurants there is usually plenty of alcohol flowing and this impairs the audiences ability to follow complex magic tricks.

The earning potential is reasonable but the work hours can be long. You should have a five minute routine that begins with a quick and impressive opener that grabs attention. Be prepared for rejection and heckling. None of your audience have actually chosen to see a magician (or mentalist) but have been chosen by you approaching their table. Not everyone likes magic and some may see you as a threat, stealing attention away from them.

2. Working on cruise ships and in holiday resorts

Here you can find regular work albeit seasonal work. If you want to go down this route you must be prepared to find other avenues of income during the off-season. To work in this area you need to have a full stage act. You can choose either magic or mentalism. Audiences can be tough and you will be expected to please the crowd if you want to continue working.

3. Creating and publishing your own magic and mentalism books and DVDs

If working in front of a live audience is not for you, you can sell your ideas to other magicians. Typically this means creating books and DVDs that teach others how to perform the tricks and routines you have created. The earning potential varies from a few dollars per eBook to several hundred dollars. How much you earn will depend on how many copies of your product you manage to sell. There is a great deal of competition in this area and it can be difficult for a newcomer to break into the market.

4. Corporate magic and mentalism

Mentalists in particular can earn large incomes working in the corporate environment. For example, businesses exhibiting in large conventions spend thousands of dollars attempting to lure people over to their stands. Skilled mentalists …

The History of HMO Plans

Introduction:

Health Maintenance Organization Plans – HMO Plans for short – are a type of managed care program. The idea behind managed care programs is that maintaining good health will be achieved by preventing disease and providing quality care. By maintaining good health, it is believed that escalating health care costs can be controlled.

When HMO Plans were first introduced, members paid a fixed, prepaid monthly premium in exchange for health care from a contracted network of providers. The contracted network of providers includes hospitals, clinics and health care providers that have signed a contract with the HMO. In this sense, HMOs are the most restrictive form of managed care plans because they restrict the procedures, providers and benefits by requiring that the members use these providers and no others.

History:

HMOs were intended to take health care in a new direction. They were designed by the government to do away with individual health insurance plans and to make affordable health insurance available to everyone. At that time employers were purchasing individual health insurance plans for their employees ~ a costly expense that many were starting to forego.

The Health Maintenance Organization (HMO) Act was approved by President Nixon in 1973. The managed health care plans were subsidized by the government and the new HMO-type systems began to grow, typically organized by businesses and community groups eager to make health care available to their workers and members at costs they could better afford. This subsidy created deals from the insurance companies to lure these businesses to buy these new discounted low cost health plans for their employees instead of the costly individual health plans.

Feeling the power of the government behind them and the frantic desire of employers to enroll their employees in these new HMO Plans, insurance companies began to apply pressure to doctors to join an HMO. Doctors were told that if they didn’t join, the insurance company would find doctors who would join and they would effectively take all their patients away.  Thus, doctors ended up joining an HMO so they would not lose their patients and subsequently their entire practice. 

As time went on, the Insurance companies added more and more rules each time the doctor’s contract was renewed. The popularity of the HMO Plans meant that the majority of their patients had HMO plans so they accepted the new conditions.  New terms included seeing more patients, more stringent confidentiality agreements, and more services requiring pre-approvals.

Up until the 1980’s most members agreed that HMO’s were a great health plan. However, by the end of that decade, faced with mounting numbers of denied claims, members began to sour on the HMO Plans.

What led to the increase of denied claims? It wasn’t a result of the claims themselves; it was a result of bad investments by the insurance companies.

During the real estate boom, the insurance companies thought it would be a good idea to invest in real estate deals.  Unfortunately, when the savings and loan …

Identifying The Four Major Types Of Loans

Although it may be a given for many people these days, it is still important to know something about loans when you are thinking about applying for one. In fact, most people already have one type of loan or another. There are many different kinds of loans offered by banks, credit unions, private lenders, and other financial institutions. Each loan may be subject to the specific requirements of the institution offering it and many loans are actually tailored to the particular applicant. All of this aside, there are four major types of loans that are used by consumers. Each type has a different object or focus attached.

The first major type of loan is the personal loan. These are the loans that you would obtain from a bank or credit union as an individual. At the same time, there is some overlap between personal and small business since the purposes of each may often coincide. For example, you may need a personal loan to fund a new small business opportunity. A personal loan may simply be a loan that you receive in order to pay for a necessary expenditure like replacing a major appliance, paying bills, or getting a vehicle. Personal loans are also used to consolidate debt.

A second type of loan is the home or mortgage loan. This is the category of loans relating to new home purchasing, but may also deal with using your existing home mortgage as a form of collateral to get a loan for other purposes. Like other types of loans, these loans have specific requirements and qualifications organized by the lender, which must be met by loan applicant. Home loans are long-term expenses. You need to keep this in mind and plan accordingly and take other expenses that will be included so you have a clear idea of your payments. Now a mortgage loan may also include those who already have homes but want to take a loan out on the mortgage or house, using this as collateral to secure the desired amount. There are specific requirements involved in these situations as well and there is risk involved since you are putting up your home as collateral.

The third major type of loan is the automotive loan. This is a narrower category since it deals exclusively with the purchase of vehicles. Everyone needs a car or some other means of transportation in today’s world. More importantly, they need something that is reliable and will get them where they need to go. Cars-even used cars-are expensive and most of us do not have the money to go and buy one outright. Therefore, auto loans are required to purchase a vehicle. Automobile dealerships typically provide financing options for auto loans via participating lenders. Again, there will be requirements that you must meet like credit rating or income level to qualify for the loan. Different lenders have different policies regarding auto loans so you will have to investigate them individually to find out if you are …

Personal Injury Calculator – Top 5 Questions For Calculating Your Car Accident Claims

Using a personal injury calculator can help you figure out how much your car accident claims are worth. Here are the top 5 questions people ask about calculating the value of their auto insurance settlement.

1. How Does the Personal Injury Calculator Determine my Car Accident Claim?

The most basic formula that is known to be used for car accident injury claims is:

Pain Multiplier X Medical Expenses + Loss of Income

The “pain multiplier” is a number typically between 1.5 and 5. This multiplier number is chosen based on the severity of your car accident injuries; the more serious your injuries, the larger the multiplier.

For example, a minor injury like a sprained neck is more likely to get a low multiplier (1.5-3). While a more serious and painful injury, like a broken leg, would get a higher multiplier (3-5). The multiplier range may even go to higher figures (10) for more severe and long term injuries.

The next thing that is included in the claims formula is your medical expenses, also known as “special damages.” These expenses include the cost of your medical treatments, visits to the hospital, ambulance ride, X-Rays, pain medication etc.

The final thing that is added in your insurance settlement is your loss of income. This refers to the amount of income you lost as a result of your injuries. For example, if your injuries forced you to stay home from work, then your lost income would equal your daily pay rate times the number of work days you missed.

2. When Should You Use a Personal Injury Calculator?

The best time to use the injury calculator is at the end of your medical treatment. You should always have your injuries thoroughly diagnosed and examined before filing an injury claim. This gives you a more accurate estimate of your total medical expenses that should be included in your final settlement.

3. Who Should NOT Use the Personal Injury Calculator?

Most personal injury claims involve minor injuries that do not require you to immediately hire an expensive lawyer. For these types of claims, you should use the injury calculator to get a rough estimate of what your auto accident settlement might be worth.

However, there are insurance claims which cannot be handled without the help of a skilled injury lawyer. These types of car accident claims involve more serious and long term injuries like permanent disabilities, lost or severed limbs, traumatic head injuries etc. If you were severely injured, your best option is to meet with a lawyer who is familiar with claims related to your specific injuries.

4. How Accurate is the Personal Injury Calculator?

The injury calculator does not give you the exact final settlement, but an initial estimate of how much your injuries are worth to the insurance companies.

Many people would argue that the injury calculator is too simplistic. That it does not address the complexities and subtleties of an individual’s personal injury claim. Others are quick to bring up Colossus, …

Credit Repair Business Plan

Here's the executive summary of a Credit Repair Business Plan:

  • A description of your company, including your products and / or services
  • Your mission statement
  • Your business's management
  • The market and your customer
  • Marketing and sales
  • Your competition
  • Your business's operations
  • Financial projections and plans

For someone looking for a credit repair business plan, a simple description may be "Ace Credit restoration provides credit restoration services to help consumers attain good credit and therefore have more attractive financing options. Charging $ 800 to $ 2000 per client and reaches new clients via relationships by credit-dependent professionals (real estate, car dealers, etc.), financial professionals (tax, insurance, financal planners), consumer direct marketing (internet, radio, tv, postcards ), And past-client referral cultivation.

Any business plan should then talk about management, which indicates to your experience. If you have experience managing a team, attention to detail, and / or financial experience, this is relevant and should be included.

When writing about your client, the consumer, you'll find there are about 70 to 80 million americans with bad credit, many millions of whatever will need to finance a home or car or other purchase and will there be interested in purchasing credit repair services . While some people do attempt credit repair on their own, credit is becoming increasingly complex and important. Fewer people succeed or event attempt it, and like dealing with plumbing or auto repairs, most are willing to pay a professional to get it done right.

Next, you should include a specific marketing breakdown. We have found that at first, referral relationships are a great place to start. By offering "credit repair seminars" or "lunch and learn" events to local real estate agents or car dealers, you can quickly position yourself as an expert, develop referral sources, and help them sell more homes or cars. As your business grows, you'll want to branch out into mass media, internet marketing to increase your visibility and scale up your operations.

The next section generally will cover competition, which of course varies by market. Currently, the credit repair business is still open and large driven on referrals at time of need, meaning people often get their credit restored when preparing to buy a home or car, or after being declined for some type of financing (ie a credit card at Better terms than they have previously). Longer term, the internet is a massive source of business that still has fundamental opportunity. One still large untapped area requiring someone to execute their credit repair business plan is in the area of ​​social marketing (ie Facebook) and joint ventures with point-of-need media ie a referral relationship with leading real estate websites, car dealer websites, etc . Who depend on attractive financing.

Next, your plan should cover operations. You can run a credit repair home based business, or you can use office space. One under-used idea is renting a desk inside a busy real estate office. This can provide more than just a professional meeting place, but the …