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Still Insurable With Multiple Sclerosis

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.…

Why Start A Home Based Business Online

Is it a passing fad or is it a growing trend? Is it just a want, or is it a need? In these days, more and more people seems to be getting that bug of wanting to start their own online business. Maybe they're finally all heard that today, the internet is where the money is, and it's easy money at that!

The one thing I know for sure and what's a driving factor in my life is that I can not, and will not let someone else tell me what I'm worth ever again. Either it's by the hour or in life as a whole, I will take control and determine my own income and wealth. The days of a regular 9-to-5 are long gone for me.

I had to be Independent! And you know the great thing about being financially independent? It's that, you can do anything that you want. You can do it whenever you want, how you want, for as long as you want, and pretty much with whatever ever you wanted to do it with. All because you'll have the money to do it with.

They say that starting an online home base business is all about finding your niche. In other words you have to utilize your skills and / or find something that you are pretty knowledgeable about and turn that knowledge into a home based business. Hey everyone's good at something right! Even if you are a Kung-Fu Master, you could use that knowledge that you possess and post it across the Internet and make a killing! No, No, No, not like in the Kung-Fu sense, but as in a bag full of money sense. Because people want to know what you know and guess what, they are willing to pay for it!

There could be a lot of road blocks when first starting out with your own home based business so look out! First there could be that old learning curve of never-ending pitfalls that's waiting for you to step into them, and then there is always the money factor. Come on you've heard it before., It takes money to make money. This seems to be the one thing that holds you back when looking to start working online with a new home based business.

If you've been told like I've been told that in order to start a business of any sort, you're going to need a lot of Ducks to do it with! For most of us the reason for seeking to start the home base business online, is because we do not have any money in the first place so we are in need of an economic way of doing it or in other words, to start-up For free.

Our whole goal and objective is to START making money online. Some would say it can not be done without a lot of money. Now in most cases this statement would be true, but now today with so much …

A Work At Home Business Solution For Success

Many people want to work at home and make a lot of money online. So what is the solution to working at home and building a business that brings in enough money to make the effort worthwhile? The work at home business solution for success is threefold: having the right attitude, a simple and clear business plan to follow, and then analysis and refinement.

To begin with, having the right attitude is vital before embarking upon any other step in the work at home business solution for success. The right attitude is important for two reasons: it is necessary to force you to act and to keep you focused. Just getting started is the most difficult problem people struggle with when trying to implement a work at home business solution for success.

It may sound trivial, but it really is the major reason for failure. You must take action and execute your plans; you will never be perfectly prepared so do not wait for the perfect moment. Take action and learn from your successes and mistakes for the next round.

Secondly, the right attitude is necessary to keep your focused on your work at home business solution for success. Too many people believe they should diversify their projects to increase their income. That behavior will never get you where you want to be. Build a plan and stick with it until the very end. Only when it is an utter and complete failure or a success that you have adjusted to the point where the business runs itself should you move on to another project.

Organizing a business plan may be the easiest part of the work at home business solution process for most people, contrary to popular belief. Opportunities are everywhere, and I could personally provide you with hundreds of simple plans to follow. This step just requires a week or two of online study and research, and then you better be sure to execute, execute, execute.

Finally, the work at home business solution to success ends when you have your business up and running and are able to analyze the things that are working and that are not, in order to remove the needless parts. Mindless tasks that take up a lot of your time, such as answering customer emails, can be passed on to an outsourcing firm to free up your time. Occasionally you should reach a point where you are spending less than 10 hours a week on a work at home business solution that generates a consistent stream of income.

And then you can move on to another project, or travel the world! …

Promote yourself on radio for free

Unless you have become extremely popular in your personal or business name, you likely need all of the marketing and promotion you can get. Now, you may say, of course, I'm aware of this, but who has the money? This is a good and fair question. It may surprise you, though, when I say, you do not need money for some of the most valuable marketing available – radio advertising.

If you are not the kind of person who listen to talk radio, the next time you're taking a drive, tune in to one of your local talk shows and listen for awhile. Try to find something that is not a sports talk show, although they also offer the type of free advertising I want to explain. What you'll ever hear is an interview. A talk show host will have a guest, who is an expert at something. Perhaps it's a health show, and the subject is weight loss and the guest is talking about some new diet.

Now, listen carefully, because you will not hear the guest babbling about his book, web site, or going on and on about his great product that is going to melt the pounds off of every fat person in America. What you will hear, in most cases, is someone who is explaining a method for weight loss that is a new approach. Now, at times throughout the show, this expert will certainly mention his product, and the host will ask the expert to tell the audience how to order it.

Even if you are an avid listener to these types of shows, and you've heard hundreds of guest experts, what you may not know is that in 99 percent of these cases, this is not paid advertising.

You see, there are thousands of talk show stations in America, and the ones that program only talk shows probably have five to 10 different shows per day. Some quick math will tell you that tens of thousands of talk shows nationwide need things to talk about and guests to keep listeners tuned in. This is where the magic comes in for you. As a new author, salesman or business owner – talk shows need you.

Best of all, virtually anyone can get on a talk show. When I published my first book, Winning the Mortgage Game, I had very little idea how to market it, but I did know I was on a very small budget. I put up a web site, started an ezine, and it was an extremely slow beginning. That is, until I learned about being on radio talk shows. I read a very well-written how-to book by a man namedJoe Sabah about approaching radio producers and getting them to invite me to be a guest on their shows.

The second show I ever did was an hour-lomg interview on a station hundreds of miles away from my home. The producer called me at my house minutes before I was on, and …

How To Grow Your Small Business Using Social Media

Are you a small business owner looking for ways to grow your business? Are you looking to attract more leads to your business, or have heard about Social Media Marketing, and now want to try it?

As a small business owner you face many challenges – limited capital, minimal support staff and having too much to do in what seems like very little time. So, how do you grow your small business without heavy investment in marketing and advertising? Answer – through the use of technology. Web 2.0 provides you with various tools and techniques that help you to generate leads and increase the exposure of your home-based business. Social media is one such tool. Here’s all you need to know as a small business owner to begin increasing revenues using social media.

What is Social Media?

Social Media is a category of online media where people are talking, participating, sharing, networking, and bookmarking online. Examples include Facebook, Twitter, LinkedIn, YouTube, GooglePlus, and MySpace.

What is Social Media Marketing?

Social media marketing is using the above mentioned platforms to reach a new audience of consumers and create product brand awareness. By spreading word of a product from user to user, Social Media Marketing strives to gain greater legitimacy for a message because it is shared between trusted “friends.”

Which Social Media Channels are most popular?

Studies show that Facebook & Twitter are most popular social media channels followed closely by YouTube and LinkedIn, GooglePlus.

Why should Social Media Marketing Interest me?

If you think this kind of Marketing is not for you, think again. These platforms offer a large bundle of benefits to small business owners. Here are some reasons why you should consider using Social Media for your business.

Exposure: As a small business owner you rely largely on network marketing to channel leads to your business – which, in turn relies on your interaction with people. This is the core notion of what Social Media is! But Social Media offers virtually unlimited opportunities to interact with people – millions of them! With this interesting form of marketing, your business is no longer limited to local leads; you will find leads coming in from a diversified geographic market!

Zero-cost: While other marketing media would be expensive, this type of marketing is relatively free, or requires negligible monetary investment. It’s a great low-cost way to get your message across.

Improved web presence: Being on popular social media platforms strengthens your web presence. The more people talk about you on Facebook or Twitter, the greater are the chances of your business being found on relevant web searches such as Google, Yahoo!, or Bing.

Direct contact with prospects: These platforms put you in touch with your customers directly. You can have one-on-one contact with them, know what they really want.

Go viral: Such marketing offers you the opportunity to go viral with your marketing. Think about this. You put up a video about your business on YouTube. 10 people like it, and …

Top Five Benefits of Cloud Computing for Small Business

Many hosted services are offered over the web for a variety of business needs. The general term used to refer to all of these is cloud computing. Cloud computing allows online companies to use resources over the internet rather than build and maintain their own in-house infrastructures.

Cloud computing is a trendy term that can be heard everywhere these days. Simply put, it refers to storing and accessing information and applications over the web instead of getting them all stored on the hard drive of your computer.

Storing or running programs from your hard drive is called local storage. This means that everything you need is physically there with you, making access to data easy and fast, especially for the one computer and the others connected to it through a local network. This was how many industries functioned for a long time before the cloud came along.

The “cloud” refers to the internet. This calls back to the times in office presentations when the internet was represented by a puffy cloud that accepts and gives information as it hovers above everything.

You may be using cloud computing at some aspect of life without realising it. This applies to online services that you use to send email, edit your documents, stream films or TV shows, listen to music, play games online, or store files and images. Cloud computinga makes all these things possible behind it all.

The first services to use cloud computing are a couple of decades old, rising fast so that a wide range of organisations are already using the service. This includes startups to big corporations as well as non-profits and government agencies.

Cloud computing at a glance

According to a study by the IDC, 50{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of information technology will transition to the cloud within 5-10 years. Among the industries that rely heavily on data are the financial sector, telecommunications, technology, health care, government, advertising, retail, gaming, energy and data services.

Furthermore, 82{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of companies have found significant savings in moving to the cloud. 60{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of businesses already make use of cloud-based IT for operations. 82{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of companies are also planning for a multi-cloud strategy.

These stats show that cloud computing holds much promise as a rising industry as well as a valuable resource for companies to take advantage of.

Cloud solutions for business

There are three different types of cloud solutions that businesses can choose from to find the best fit – private cloud, hybrid cloud and public cloud. Each offer different features and benefits. But with each type, the end result stays the same: cloud computing can be done wherever you are, at any time.

Private cloud

Private cloud works in industries with concerns for privacy, including medium businesses and more established enterprises that need to meet standards for security and compliance.

One example is IoT companies, such as those who trace customers through their phones. Other examples include health data companies, e-commerce sites that store credit card data, industries with high intellectual property concerns, and …

CIGNA Dental Insurance – An Honest Review

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{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} 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.…

How Can I Get Free Money To Start My Own Business

So you want to launch your very own business or product but you do not have the funds to get you started. That can be a major problem. In order to make your business venture become a reality, you will need to have financing in place in order to develop, manufacture, launch and market your business.

Now you must ask yourself the all important question:

How Can I Get Free Money To Start My Own Business?

Well, It's easier than you might think, but first let's entertain some options.

1. You can use your own personal savings. That's assuming that you've managed to sock away a huge amount of money and you've got nothing better to do with it but some how I doubt that is going to be the case.

2. You can always beg, borrow or steal (just kidding) from friends or family members. This option may work for you if you only require a small small loan, However, most business start ups require a much larger amount of money, the kind of money that friends and family simply do not have available, let alone be willing to lend it to you.

3. A more obvious solution would be to take out a bank loan. Sounds easy enough right? Wrong! You'll need to come up with an extensive business not to mention a multitude of solid reasons why your business is worth investing in and prove that you will be able to pay back the loan in a reasonable amount of time.

4.If you have multiple credit cards with very large spending limits you could consider using them to finance your business, however, when you consider the high interest rates associated with credit cards I'm sure you'll agree that this is strictly the way to go. The high interest rates you will have to pay will likely put you into further debt and put business at risk ..

5.Finding Investors is often another consideration but you will find them to be next to impossible to come by when you are first starting out, unless you have a bullet proof business plan that will guarantee high returns quickly, investors simply will not be interested in putting their money at risk.

6.From my own personal experience I have found that the best avenue for locating free money for a small business venture is via state & federal grant programs. The government provides billions of dollars in grant money for business start ups every year, and you do not have to jump through hoops to get it.

So the next time you ask yourself … How Can I Get Free Money To Start My Own Business? I suggest that you save yourself the hundreds of hours it will take you to search individual offerings, by simply accessing a Government Grant Directory, as they will have an extensive database of all government grants available to you. They typically charge a very small, one time fee but you will find it to be …

I'm Starting My Own Internet Business And I Need Answers

If you're starting your own internet business it can seem a bit overwhelming. As with any business, an internet business does require time, resources and determination to get started and maintain. But you can get bogged down with all the jargon and flood of information that you see online.

Here are some commonly asked questions that get asked when budding entrepreneurs start their own internet business.

What Does 'The Money Is In The List' Mean?

It will not be long after you've started an internet business before you come across the phrase 'The money is in the list'. This simply means the people that you have on your database, or email list, are the people who are most likely to buy from you. They are willing to receive emails from you because they are interested in your products and services. Email marketing is still considered the most effective online marketing method. Make sure that you're building an email list of prospects from day one.

What Is Affiliate marketing?

Affiliate marketing is a popular internet business model. It's like being a commission-paid sales person. You're called an affiliate because you're associated with the product but you're not part of the business that actually produced the product. When you promote the product and make a sale, the product owner will pay you a commission. It's a great way for starting your own internet business because you do not have to buy any stock, sort out any payment systems or arrange the product delivery. The product owner does all of that. Your job is to the find the customers and encourage them to visit the product's sales page.

Am I Too Old To Do Business On The Internet?

Getting results has nothing to do with age. It's about your determination to succeed. Every online entrepreneur has target audience who will connect to the way that they do business. Keep in mind that people by people they know, like and trust. Believe in yourself and your audience will believe in you too.

How Do I Learn To Do New Stuff?

Go online and search for courses that will teach you what you want to know.When you buy a course, put into practice everything you learn before you think that it has not worked. And even then, go to the product creator and show them your efforts and see if they can help you get on the right track. Do not buy every course, tool and one time offer presented to you. You can get started with free or low cost choices before you re-invest in your business for a few upgrades. …

The Evolution of Money – Bane Or Boon?

Today, almost everything in our lives is related to money. No matter how we try to avoid the subject, it still remains as pertinent as ever before. To understand money, I believe we need to look into its history for lessons to learn. Only with that can we translate these lessons into personal meaning for application and prepare for the future.

As many of you know, money began as bartering where people exchanged items they had for things they wanted. For example, a dairy farmer exchanging milk for clothes. As time progressed, people found out that it was hard to measure relative values of an item. For example, how much milk can be traded for a quantity of clothes? Also, it was slow, hard and time-consuming because for personal gain, people would bargain for the best possible trade. This created the need for a more efficient way of transaction, commodity money.

One of the first few forms of commodity money were gold and silver coins. They were used as these were tangible items representing value. As people found this way to measure values of items, trading became much faster. However, another problem arose because carrying too much of them was inconvenient and could attract attention of thieves. This led to the establishment of banking.

To keep these valuables safe, wealthy people began to appoint individuals with the role of safekeeping them. In return, these individuals issued receipts to these wealthy people as a representation that they owned the valuables. Here, money has evolved from something that held value into a derivative of value. With money becoming compact, people just had to trade with paper receipts instead of bulky items like gold and silver. People could also trade in different places as bankers in these places only had to balance the trading accounts between the buyer and seller with debits and credits against the receipts. This greatly facilitated the movement of money from point A to B where it is needed. This was the start of prosperity in many areas as speed of business was significantly improved.

However, as the bankers held more commodity money like gold and silver in their vaults, they discovered that their clients had little use for them. Here, brilliant individuals brought banking to the next level, from storing wealth to lending wealth and charging interest on the loan subsequently. Now, bankers could earn money from money they did not own.

Naturally, as greed came into the equation, bankers began making loans for money more than what they stored, giving rise to fractional reserve receipt money. For example, lending $2000 in receipts when you only have $1000 worth of commodity money, creating a fractional reserve ratio of 2:1. They then collected interest on this expanded money supply and this greatly increased their profits.

With an increased money supply, people had more money to spend and consumption rose, leading to economic growth according to Keynesian theory. However, this also created economic volatility because some greedy banks loaned out …