How well does your professional bio showcase your abilities? Does it tell your personal brand story? Is it current and compelling?

Unfortunately, most insurance professional bios are stale and boring. They lack heart, depth and inspiration. Company profiles are often riddled with tired clichés and insurance industry jargon. And the typical executive bio is no better than a resume – a bulleted list of jobs and skills that can easily be forgotten.

A descriptive and well-written business bio puts a personal face on your offering and makes insurance prospects feel more comfortable and at ease. It clearly conveys your credibility and demonstrates your success, giving your prospects faith that you can really deliver on your promises.

Professional bios are multi-talented insurance marketing pieces. They can be incorporated into insurance websites, brochures and sales sheets. They can also be used for:

  • Insurance article bylines
  • Speaking engagements
  • Professional introductions
  • Networking
  • LinkedIn and other social networking profiles

Professional bios are highly recommended for insurance executives, insurance agents and anyone else who strives to develop and market a personal brand. In fact, some innovative, service-driven insurance companies display bios for all customer-facing employees on their websites.

BIO Dos

  • Use vivid examples of your capabilities.
  • Include objective measures of your successes.
  • Incorporate a few interesting quotes.
  • Keep the writing formal and in third person.
  • Customize your bio for each potential audience.

BIO Don’ts

  • Avoid long resume-style lists of job titles.
  • Don’t write in the first person.
  • Resist the urge to be verbose. Most bios can be completed in one to two pages.

Isn’t it time to tell your professional story in a way that’s relevant and interesting to your target market?

The sheet metal fabrication industry is growing leaps and bounds these days. Wherever there is a construction happening, there would be a need for metal fabricators. Metal fabricators shops are generally small businesses that operate locally. Depending on the projects, the fabricators need to equip themselves with the latest tools and technologies. Experienced ones are not only experts in the fabrication, but they are experts in all kinds of metal fabrication works.

Prerequisites For Starting A Sheet Metal Fabrication Business

If you are planning to start up a small shop, you will need to familiarize yourself with these working tools,working machinery, shop safety, materials used in the trade, sheet metal types, and fasteners for them. In addition, you will need to have in-depth knowledge about processes such as punching, drilling, riveting, folding edges, making seams, turning, burring, raising, forming, crimping, beading, grooving, and soldering. When you are starting up a shop, you will need to purchase or rent a shop. The location of the shop needs to be strategic.

These business can be very lucrative if you have the right costing and you know how to maximize profits. There is tough competition in the fabrication business, so you will have to ensure that you prices are competitive. The industry is highly diversified industry and produces more products than most people realize. Right from air-conditioning ductwork to railroad box cars are all made of sheet metals. Due to this diversity, the sheet metal fabricating industry can withstand the ups and downs of the global economy. When you are about to start the sheet metal or metal fabricating business, you must know where to begin from.

There are several entrepreneurs who have the money to start the business, but they don’t know where to put the money and how to start the business. As an entrepreneur, you have two choices in the business. First, you can either start the business for a specific product such as ductwork. Second, you can start off as a generic service provider.

As a metal fabricator, you need to be very flexible and proactive to customer demands or requirements. Customers can either provide the designs or they may expect you to come up with the designs. In both situations, you will have to ensure that you give perfect service to the customer. Even though the business is a small business, you will still need to register your business. Before registering your business, you will have to keep a suitable name for the business.

Selection of a strategic office space and a spacious workshop for the sheet metal or fabricating business is also very important. You will need skilled manpower and latest equipments to counter any customer challenge. Most of these businesses have faced hardships in the initial years, but after few years, things begin to fall in place.…

Principles behind personal and self mastery are actually fundamental concepts that are essential when building professional, social, interpersonal, and spiritual relationships. The first principle stresses being aware of how you define success. In personal mastery, along with its central component of emotional mastery, internal change, in the here-and-now is actually more important than what has happened in your past.

Personal mastery is also based on how you have come to define and understand your own reality – what it is you believe about your life right now, about yourself and about others. Personal mastery is central to how you think and what you believe and the level to which you are or are not aware of your own thoughts and their effect on how you feel and even more importantly how your thoughts and feelings play themselves out with others.

7 Central Principles of Personal Mastery

  1. Set goals for yourself and take action to achieve them
  2. Be open to learning how to deal effectively with difficult and challenging situations
  3. Identify positive behaviour and feelings and validate yourself
  4. Challenge your thoughts by looking for “objective” evidence for against what you believe
  5. Let go of negativity that can keep you stuck in resentment and blame
  6. Develop and nurture an inquisitive mind-set and an attitude of gratitude
  7. Learn to ask skillful questions of yourself that will help you understand yourself better

It is important for you to invest your time in and energy on things that you can control. This means focusing on yourself and what you want to change and not focusing on trying to change or fix anyone else. It is important to let go of any proclivity to have a reactive attitude that can lead to feelings of resentment, rejection-sensitivity, negativity, blame, and shame, that are obstacles to healthy change and that can keep you stuck in repeating old and worn out patterns of relating that cause you to continue suffer. When you are invested in suffering, it is suffering that you master. Not personal self and emotional mastery.

Another principle behind self mastery is understanding that what happens to in your life is based on your own choices – accepting personal responsibility is the way to create change moving forward in your life. Decisions about your life need to be made by you in a conscious and aware way. A proactive way. Not a reactive way.

Having a clear vision of what you want and what you need to learn more about to achieve your goals is also very central to building your personal mastery. After identifying your goals it is important to create a plan of action that will help you to achieve your goals. Taking action steps toward the achievement of your goals is the way to apply your vision, values, and principles to your self-improvement, emotional and personal mastery. Mastery means you are continuing to build and strengthen your emotional, psychological, and psychosocial competence.

Overall, an individual who actively engages his or her own process of …

Most families these days are looking for any way they can to make a little extra money without having to put out any money, if you are handy with small engines why not start a lawn mower repair business?

Lawn mowers need plenty of maintenance, especially when they sit all winter long. Most of that maintenance is fairly simple such as tune ups, draining gas and replacing it with fresh, or sharpening the blade. Often times though people do not think to get these things done and before long, simple maintenance becomes more costly and complex.

This leaves the door open if you know how to work on small engines such as these, not only lawn mowers, but gas powered weed eaters, snow blowers and any other sort of small gas engine. Many people do not know how to properly maintain this type of equipment and just advertising maintenance alone could bring you a good source of income.

If you have the tools offer blade sharpening services, and even engine repair, while most mower repairs are simple, there will be the odd motor that will need to be replaced. As you make a bit of money invest it into purchasing used mowers and other equipment that you can bring back to life and sell for a profit. There is a thriving market for used lawn equipment pretty much anywhere you live.

Deciding what to charge your customers is easy, make calls to the repair shops around your neighborhood and ask them what they charge. Since you will be new to the business, be prepared to seriously undercut their prices, this will help you get and keep customers, and since you will be working out of your home, your overhead will be low anyway.

You will need to have a garage with a decent work bench and space to work, or even better yet if you have a van or truck you can advertise mobile repair. Mobile repair brings an even higher hourly fee since your customers are relieved of the responsibility of transporting their dirty lawn mower in the back of their brand new SUV.

The best way to advertise your business will be by enlisting your family to pass out fliers around the neighborhood, leave signs on telephones and advertise at your local grocery store.

Since this is a seasonal business keeping customers is essential, try to offer them extras if you can, like a free oil change or a loaner lawn mower while theirs is being worked on. Little extras like these along with a friendly attitude will keep them coming back year after year.…

Do you need to get a UB04 form completed for an insurance company?  What is a UB04 form?  Where do you find one?  And how do you fill it out?  We run across these questions often in the world of medical billing.  Most medical health insurance claims are filed on CMS 1500 forms (sometimes called HCFA forms).  These are more common to most people.   Many billers don’t know when to use the CMS forms and when to use the UB 04 forms.

The UB04 claim form is used by facilities rather than physicians for their health insurance billing.  Hospitals, rehabilitation centers, ambulatory surgery centers, clinics, etc need to bill their services on the UB04 form in order to get paid.  Physician billing is done on the CMS 1500 claim forms. 

Every once in awhile we get a call from a person who is trying to get an insurance claim paid and they are told by the insurance company that they must file the claim on a UB04 claim form.  These people don’t have a clue what this form is or how to complete it.  They may have had to admit a loved one into a drug and alcohol rehab facility and now find that the facility doesn’t participate with their insurance plan.  These facilities often don’t file UB04 forms and can not help the family get reimbursed by the insurance company.

Many times the family has paid up front for the services of the facility and are now trying to get the insurance company to reimburse them.  The insurance policy may pay out of network but the claim must be filed correctly on a UB04 form.  Often times people are trying to collect many thousands of dollars on the claim.  Required fields on the UBO4 form include rev codes, value codes and type of bill.  What do you put in these fields?   These forms can be very confusing.  Where do you get the correct information to complete the forms?  And which fields are required on the form?  If the facility does not have a UB04 form to fill out, where do you get one? 

Unfortunately the answers are not easy.  The Rev codes represent the procedure codes.  The type of bill is a three digit number that represents the type of facility, the bill classification and the frequency of the bill.  The value codes are required fields only in certain situations.  It is very difficult to complete these forms correctly without previous experience or proper training.  Another catch is that the forms were changed in May 2007 to allow for use of the NPI number.  You must understand NPI numbers completely to determine where you should be entering an individual NPI number or a group NPI number.  And when you try to find UB04 forms for sale, you find they are available in boxes of 2500.

If you find yourself needing to file a claim on a UB04 form and don’t know what you are doing, make sure you look …

Dogs are great animals. Everybody’s got to love dogs and taking pictures of them. But did you realize that you could sell dog pictures online and actually make money doing it? If you have a dog and have a digital camera why aren’t you making money taking pictures of your dog!

You may be wondering how you can sell dog pictures online and the answer is through micro stock photo websites. These are websites where they let anybody submit photos and earn money from them. Of course, your photo must be accepted and be good quality. But once it’s in the website then anybody can download it and for each download you make some cash.

Many people on the internet need photographs of dogs for their websites, advertisements, etc. You can submit a photo of a dog and have it end up on a website some day! Or it could even end up in advertisements in magazines. People use these stock photos because they don’t have the time or skills to go out and take quality photos for whatever they are doing.

Picture Quality

You must have photos that are of good enough quality. There’s no need to go out and pay money for some photography school or get your bachelors in photography but if you know how to take better photos your photos will be much more highly desired.

As with posing models, dogs must be posed properly. You must make sure that your dog is authentic looking and relaxed. The lighting also must be good quality. Unless you have a big studio, shooting outdoors with the sunlight is the best option. Don’t shoot at 12 PM because the sun will be directly overhead making bad lighting. Try early in the morning or later I the afternoon.

Taking one single picture of your dog can make you a little bit of money but you will want to take more than one. Try to get photos of all your dogs and even the neighbor dogs. Build a dog photo collection of all the dogs from your friends and family. Ask them for the rights to the photos and in return you’ll give them copies of the photos you take. Making money selling dog pictures online is real and many people are doing it earning lots of money already.…

There are so many jobs to choose from in online employment. If just depends on what you are looking for. If you like crafting, making things and putting the pieces together, free work at home assembly jobs may be just what you want. You get to do something you like, you get to work at home and you can get paid big bucks! Almost seems too easy doesn’t it? Anytime you get to do something you enjoy, the job is easier. When you are enjoying yourself, it just doesn’t seem real; you almost feel that you should be paying for the pleasure. But this job is absolutely for real.

When you are working an assembly job, there are different categories, such as electronics, crafts, jewelry and toys. You could be working with wood, shells, plastics or material. There are so many items that companies could need you to make or finish. Christmas ornaments, and doll furniture could be among the products.

You get to choose the category that you want to work in, so if you have particular skills in wood, that is what you would want to choose. Anything that gives you an advantage is good, it means you can work faster and make even more money.

When you choose assembly jobs, the company will send you the materials you need to make or finish a product. You will need simple household tools such as scissors, screwdriver, hammer, glue gun and sewing needles. You also get a postage paid packet to return your finished products. The more you complete, the bigger the paycheck!…

May is the month for the Florida online tax sales, but there are a few problems with the online tax sales in Florida. The interest rate at the Florida tax sales is typically bid down to.25%, and Florida counties allow investors to have subaccounts, which give the institutional buyers a great advantage over the small investor. But even if you manage to buy a tax lien at a decent rate in one of the Florida sales, the redemption period is 2 years, and you may have to wait out the redemption period before getting paid on your lien. So how can you make money in the online tax lien sales without having to wait 2 years or more to get paid?

Everybody wants to know which states have the highest interest rates and the shortest redemption periods. Many are interested in redeemable deed states that have steep penalties, like Texas where the redemption period is only 6 months and the penalty is 25%, or Georgia where the penalty is 20% and the redemption period one year. But the problem with investing in these states is that they do not have online sales.

But there is one tax lien state that does have a short redemption period and online tax sales, and some of the counties in this state do have decent interest rates as well. The state that I’m referring to is Maryland.

Maryland tax sales take place in May and June each year and a few of them are online. The redemption period in Maryland counties is one of the shortest – only 6 months. The interest rate varies by county quite a bit, from 8% to 20% per annum! The county with the highest rate of return is Prince George’s County but they do not have online sales. The City of Baltimore and Howard County, however, do have online sales and have an interest rate of 18% per annum.

Bidding in Maryland tax sales is very different from bidding at tax sales in other states. In Maryland counties, premium is bid, but you do not have to pay the entire premium at the sale. What you pay at the tax sale is the certificate amount and a portion of the premium, referred to as “high bid premium.” High bid premium is 20% of the difference between the bid amount and 40% of the property value. So if you bid less than 40% of the property value you don’t have to pay any of the premium you bid at the sale. But you do have to pay all the premium bid if you foreclose on the property.

Maryland counties also charge a non-refundable fee to bid at the sale. These fees can vary by county from $100 – $150 dollars. Howard County has a $1000 deposit requirement instead of a registration fee and this is refunded if you do not have successful bids. If you are successful bidding then the deposit is applied to the amount due in order …

Introduction

Starting your very own business is a venture most people would be very hesitant to talk about. Not that it’s illegal or anything, but because of the risks that it entails. But you don’t need a huge pile of cash or a very good credit rating (though it is preferred) in order to start your own business venture. You just need to have an idea to what business you want and the guts to make it happen. And if you’re into arts and crafts, then this one might fit your hobbies well – personalized bracelets.

Personalized bracelets (and other items such as personalised keyrings and name bracelets) are among the latest addition to the accessories most people look for. As most bracelets sold in jewelry shops are not as affordable as they are claimed to be, innovators in the accessory business found a way to incorporate this trend to new materials, create a much affordable version, and thus, the rubber bracelets were born. This trend was popularized through the Livestrong Band, a colored silicone rubber bracelet created by Nike for Lance Armstrong in 2003 which was also called “baller band” and “wrist band”. Through the exposure that it has garnered, it became a high cost-high return instrument used for different campaigns, and other social purposes.

Tips in Starting a Personalized Bracelet Business

Here are some tips on how to start a business that produces personalized bracelets

1. Decide what kind of bracelets you want to sell.

From being “awareness ribbons”, it became an accessory for both men and women. Almost every teenager is wearing one. But generic bracelets took away all the hype from the trend. Teenagers were looking for something new, something more personal. This of course, led to personalized bands/bracelets.

Personalized bands or bracelets are made from different materials. This should be considered during the “planning” phase of your business. Rubber or silicone bracelets (most commonly used as your everyday band) are more flexible and come in different colors. The level of personalization is very high in this material as you can choose the color, the additional bling (some rubber bracelets have installed digital watches), and other things which make it “yours”. In-line or “tennis” bracelets (because it is often seen used by tennis players) has also a high level of customization but should be kept at a minimum as the color of the bracelet itself isn’t as flexible as its rubber counterpart. And leather bracelets (the ones you see in heavy metal musicians and fans) are less versatile and should be used with extreme caution as it is not an ideal day-to-day accessory. Slap bracelets, metal strips which are “slapped” to the wrist to fit, is also very customizable though its customization should be carefully planned as to not mortify its beauty. One way to customize a slap band is for it to be hand stamped.

2. Identify the materials you need to get started.

When you have selected what type of bracelet to produce, the …

Real easy to start a business. Register your business name at the Companies Commission of Malaysia known as SSM and in about 45 minutes, you already have a business. However, a short business registration process is not meant in no time you too can benefit your business. You are lucky if this happens.

There are several other factors you should consider before stepping foot into the SSM.

  • Does your business simply want the money?

There is no doubt that every entrepreneur wants profits from the business. But, if you will continue to do business if you can not benefit in a long time as long as 3 or 4 months? What if that year is still not a profit? Knowledge, talents and money go hand in business. If you have any knowledge of the business, has been added to your chosen line of business is your hobby, for example, money has become a matter of no importance to you. But beware, do not bankrupt your interests are. Business talent can be polished. Which way is participating in workshops on managing the business conducted by business consultants who are more experienced.

  • Are your products and services to meet market needs?

You need to do a survey first before doing business. Spend more time making a survey of the community in which you want to open shop later. What is needed by the community. Are your products and services included in their will? If yes, state statistics so you can develop a good business plan will.

  • Do you have sufficient working capital?

Capital is important in determining the business can survive or not. A small business should be targeting at least have the working capital available capital up to 3 months even if not a profit. Failure to provide adequate capital stock will limit your future marketing efforts. Keep in mind that you are also responsible for promoting your business no matter how minor you use any media such as advertisements from home to home.

  • Are you willing to bear the risk in your business?

Every business has its own risks but the difference between us is the size of the risk. Small businesses remain at risk even if not by big business. But you need to know the level of risk you incur in the event something unfortunate like theft and fire. The transfer of risk can be made to subscribe an insurance policy and installing closed-circuit television or CCTV at the awards of your business.

  • Do you have assistance in case of any problem?

Assistance not only in terms of cost, but in every aspect of your business from the installation of front door through to the advertising business. Not necessarily you need money to have all forms of assistance. Sometimes after a long business, you will develop a network of individuals who are experts in their fields. Some will help you for free, or even with the cup of coffee. …