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Choosing a Business Address

Choosing a business address is important because without it your company won’t be able to perform the most basic functions. A business address allows you to receive mail, open bank accounts, and provides an official location to receive written communications. If you already know you’re going to operate your business from a retail location, warehouse, or office building then the choice is obvious. But for most startup businesses the most frequent choice is a current residential address or P.O. Box, and neither of these aren’t always the best choice.

The Best Option that Fits Your Business Address Needs

If you use your residential address you can expect to receive a barrage of junk mail from businesses marketing their services to you. Some clients or customers may take advantage of knowing where you live and come knocking at any given time. Depending on your home location, delivery companies such as UPS or FedEx may have logistic issues when trying to make regular daily deliveries to you or you may not be home during regular delivery times and miss out on an important package. When you apply for a mortgage or car loan, lenders have more requirements when they see your work and home address are the same. Post office boxes are also not ideal because delivery companies cannot make deliveries there and in most cases a physical address is required when obtaining business licenses, permits, etc.

Private Mailbox

The suggested business address for any startup is obtaining a private mailbox from a local UPS Store, Postal Annex, Mail Boxes Etc, or similar service. Renting a private mailbox allows privacy, and helps separate your business from your home. Rental mailbox services are open regular business hours and there’s always somebody available to receive packages from delivery companies. Renting a mailbox will give you an actual street address which is usually acceptable in obtaining most licenses and permits, while others will simply ask you to provide your business mailing address and physical location where work is to be conducted (for example your home). Renting a business mailbox can range from $15 to $45 per month depending on services provided. You can find these types of companies by looking under “mailbox rental” in your local business directory or Yellow Pages.

Virtual Office

Another and much more professional solution would be a virtual office. You receive the same benefits as a rental mailbox, but with the added benefit of an actual office place where customers can come to meet with you. Since a “virtual office” is at an actual office place, it also satisfies the physical location requirements when obtaining licenses and permits. Prices can range from $60 to $300 per month. When your business is ready to grow, many of these companies can help accommodate you moving into your own office suite. Virtual office spaces can be found internationally from companies such as Regus, or HQ Global. You can find these types of companies by looking under “executive office suites” in your local business …

Where Are the Best Hospitals in Sao Paulo, Brazil?

São Paulo is the largest city in Brazil and world’s 7th largest metropolitan area. This Alpha World City with many tourist hot spots is the second most populous metropolitan area in the Americas. This prominent commercial and entertainment center has a famous nickname “Sampa”.

São Paulo has a large number of well-equipped hospitals that offer health care service of international standard. Its private health care sector is very large with many world-class hospitals and most of the major hospitals in the nation are situated in São Paulo. All these leading hospitals in São Paulo offer service of English speaking staff.

Here is a short description of some of the leading hospitals in São Paulo.

The Hospital Alemão Oswaldo Cruz (Oswaldo Cruz German Hospital) situated at RuaJoaoJuliao,331-Paraiso CEP 01323-903- Sao Paulo is a prominent hospital in Brazil with international reputation. This 239-bedded hospital was founded in 1897 by a group of German immigrants. This Joint Commission International (JCI) accredited hospital has also achieved TEMOS, Telemedicine for the Mobile Society, certification. This famous German agency has given top marks to Hospital Alemão Oswaldo Cruz for providing best health care service to Europeans visiting Brazil. By conducting many highly complex surgeries, the hospital has attained the highest-level certification from Brazilian Accreditation Organization (ONA) also. The hospital has 239 beds, 13 ICU beds, 13-operation theaters with4 laminate flow system, sterilized materials store, equipment room, a best equipped emergency room and 15 PRA (Post Anesthesia Recovery) beds. The hospital offers excellent clinical, diagnostic and surgical service in different departments including cardiology, imaging diagnosis, endoscopy, memory stimulation, metabolic surgery, nephrology and dialysis, orthopedics, diabetes treatment, Physical therapy, hematology, oncology, human reproduction and transplants. The center offers warm accommodation in a friendly and caring environment. Telephone: 55 11 3549-0093

Hospital Sirio Libanes located at Rua Dona Adma Jafet, 91Bela Vista – São Paulo – S.P.CEP: 01308-060 is one of the most popular, modern hospitals in Brazil and Latin America. This 300-bedded premier health center, established in 1965 has 4,500 employees, performs 50 surgical procedures daily and conducts 2,000 types of various diagnostic examinations. The hospital has achieved international reputation by offering high quality health care service in more than 40 medical specialties and possessing all latest advances in medical technology. They offer medical service of global standard in their various centers of excellence, which include oncology center, cardiology center, diagnostic center, substitute renal therapy, rehabilitation center, urology, gynecology, orthopedics, gastroenterology, magnetic resonance, and memory diagnostic center and their oncology center is particularly acclaimed. The hospital provides fine accommodation in comfortable apartments/suites with an anteroom, cable TV, internet connection, a mini bar, telephone and background music. The hospital started well-equipped and round the clock emergency service with special area for children in 1992 and has modern ICUs with 22 beds for adult patients. This service oriented hospital well known for its patient focused approach is also the most reputed medical education and research institution of the country and has established the famous IEP – Instituto de Ensino e …

Are You Willing To Bet?

If you won an all-expenses paid trip to Las Vegas, would you do any gambling while you were there? Yes, no, well maybe? When my daughter was maybe 16 or 17 years old (you probably remember that time in your life that you were almost an expert at anything) we took a family vacation to Las Vegas. We walked into Caesar’s Palace and she saw a sports car on top of a group of slot machines. The car was the grand prize to be awarded to the lucky winner on that series of slot machines. She promptly informed Mom and Dad that SHE was going to be that lucky someone.

One roll of quarters and three minutes later she told us, “Gambling sucks.”

Do you consider yourself to be like our daughter and want nothing to do whatsoever with gambling? Are you one of those people who think that you never, ever gamble? Well I hate to tell you this, but the insurance industry and insurance policies are built on a gambling premise.

You will be well served to remember this basic principle: The business of insurance is a bet. Insurance is nothing more than a large company (as is a casino), with a large balance sheet, playing the odds against you… on your health, risk of an accident, storm damage, theft, death or other potentially catastrophic loss. Insurance companies educate themselves in extreme detail on the odds of actually having to pay out money on a claim. From this data, they calculate how much they can charge you based on the possibility that you will file a claim, and they still will be able to make a profit!

When you own any kind of property, whether that property is possessions like furniture, clothing, an automobile or a house, when you purchase an insurance policy you are gambling. You are gambling your money every time you make a monthly premium payment. You are betting the premium amount that you spend that something unfortunate will happen to you.

The insurance company is betting also, they’re just not betting with their own money. Not yet, that is. They are betting with a promise! Their promise is that if you experience a loss, they will spend a little bit of their money to make things right for you. The thing is, the insurance company is like the casino. All the odds are stacked in their favor. They pay large amounts of money to actuaries, specialized number crunchers, to determine the odds of you winning the game (having a covered loss). You see, as far as the insurance industry is concerned, the only way you win as a policyholder is for you to lose and have to file a claim. If you don’t win, you lose (you lose your premium payments). If you do win, you lose (something bad has happened to you). What a great game!

If you don’t lose, you lose your premium money. If you win, the best that you can …

Your Own Business vs Network MLM Marketing

There comes a time when we start strict considering starting our own businesses. At this point in searching which route to take, we are presented with so many ideas by our own minds, we find Network Marketing opportunities and they prove promising, we also find all this information which promises to make us wealthy.

Some reasons to start your own home business could include:

– Having small children and need some extra income, but do not wish to leave the home to work.
– There may not be any jobs available where you are from.

– Or you may just be sick and tired of working for someone else.

– You may not have adequate transport to take you to work or getting to work would be a difficulty.

Whatever your reasons for wanting to start your own work from home home business, starting your own home business can be the way of securing your long-term financial future. One thing to keep in mind is that this is a risky route, but working for someone else who could easily make you redundant is also risky. So it lets venture on

Now, we desire to start our own business and we will. Whether it is a small business or a large business, what will determine the route you take will depend on your needs. In this article I am more focused on beginning a small home business and growing it larger than a business which you may need large financing for.

We now have two options available to us in starting our own work from home, home business. We can either go and blaze our own route with our own idea for a home business or join a Network Marketing opportunity. There are benefits to be had with both, some benefits why you could choose one other the other are:

::: Your own work from home home business idea :::

– You want full control of every aspect of the business

– You want to do the planning of the business

– You want to create your own product or concept

– You can get finance for your business

– You can invest full time into your home business

– You know how to run a business

::: Join a Network Marketing home business opportunity :::

– You do not know much about business or it is your first time in business

– You want to operate part time

– You want to get started right away

– You want to get started with most minimum of investment

– You want access to something that works and is proven

– You want blueprints and a downline to help you succeed

As you can see with both options of whether you choose a home business or a Network Marketing opportunity for a first home business, it all depends on your current resources. Running your own home business with your own concept, idea or product is a great way to build something big, …

Business Coaching: Why Partnering With a Coach Makes Sense Now

As an entrepreneur, you want a lot: to grow your business in a way that feels authentic, to serve the right customers with the right products, to create a positive impact, while at the same time enjoying a meaningful and fulfilling life outside of your business. This can often feel quite daunting. You may find that you are spending countless hours doing, doing, doing without getting the results that you want and deserve. Business coaching is a business growth tool that is well worth your consideration. Let’s take a look at what it is and why it works.

A coach starts by getting to know and understand both you and your business. He or she will help you be very clear in defining what success looks like from your vantage point and then work with you to develop the vision, strategies, projects, goals, and timelines that-assuming you take action-will lead you to that success.

Business coaching is neither therapy nor pure consulting. The therapy model assumes that someone is broken and needs to be “fixed,” while a consultant may hand you a set of instructions that any generic business owner might follow. Coaching on the other hand is very personal and is relationship-based. Your coach will likely use a blend of encouragement, persuasion, and inspiration to keep you in action while you begin creating the results that you want.

Coaching works well when you are open to partnering with someone trained in helping business owners be their best. Professional coaches are particularly skilled in listening, strategizing, supporting, and keeping you on track with your tasks, projects, goals, vision, and dreams. And they do this without judgment of you and (importantly) without having a personal stake in the outcome. In this sense, your coach does what a spouse, business partner, or best friend can often have trouble doing: he or she is a completely objective third party who is 100{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} on your side.

The title of this article suggests that business coaching makes sense “now.” What do we mean by that? As a business coach, I naturally am predisposed to advocating coaching as a practical and effective tool under most circumstances. And yet, there is something happening right now in the autumn of 2010 that is in my opinion making coaching an even more compelling choice. Over the past month, I have been noticing that we are in a time of what I call congruent manifestation. That is simply a fancy way of saying that a lot of my coaching clients (and other people I know) are hearing “yes” over and over again. We seem to collectively be in a period of time during which it is easier to create the success that is possible when we are clear about what we want and take action aligned with that desire. From media deals to new jobs, to graduate school acceptance, to artists being awarded public grants, I am seeing people consistently hearing a big, resonant “yes!” to those outcomes that they …

Florida SR-22 Auto Insurance Facts For License Reinstatement

Florida Form SR22 is the name of the document that provides verification of required insurance for drivers with a suspended license. Depending on the circumstances, court ordered suspensions have different conditions for the insurance, such as, coverage limits, compliance period, and payment terms. An assigned case number, appearing in the Motor Vehicle Report (MVR), matches insurance policies to drivers requiring SR22. Keep in mind, that a qualified policy may be a car insurance policy, motorcycle policy, or an operator’s policy where there is no vehicle to insure.

Uninsured drivers causing an accident with property damage only, require a Personal Injury Protection (PIP) and Property Damage Liability (PDL) policy, with limits of $10,000 for each. This policy type is paid in full for six months with no option to cancel, has a compliance period of two years, and a case number that begins with 2. When people are injured by an uninsured driver, Bodily Injury Liability (BIL), of $10,000 per person and $20,000 per accident, in addition to 10,000 PIP / PDL is required. This policy type can be cancelled, and the compliance period is three years. Driver license suspension will follow a canceled SR22 insurance policy, unless a new qualified policy has replaced the cancelled one.

After a policy begins, Insurance companies have up to 15 days to electronically submit (file) SR22 to the Florida Bureau of Financial Responsibility. The Florida Department of Motor Vehicles (DMV), usually will not reinstate a driver license until the electronic filing has been received. The entire process is fast and efficient, with the right company, and license reinstatement can be obtained within two days. However, some companies, will generate a “hard copy” for the policyholder, immediately after purchase, and some clerks at local DMV offices will reinstate a license when presented the certificate in person. This is the only way a license could be reinstated the same day a qualified policy is purchased.

in October 2007 Florida Form FR44 replaced Form SR22 for DUI drivers only. The SR22 filing is only acceptable on a Florida insurance policy and a $15.00 filing fee is added to the cost. Multiple SR22’s, or FR44 and SR22, are not issued on the same driver. A new FR44 filing will supersede an existing SR22 requirement. Form SR26 is used to report a policy that cancels which has the SR22 filing. Since June 30 2009 all filings must be done electronically by the insurance company on behalf of the policyholder. The older pink forms given to policyholders, to physically present to the DMV, are no longer sufficient. All SR22 case numbers begin with a one, two, or three, indicating different requirements.

Florida SR22 insurance facts, accurate and updated, are essential information for insurance agents and policyholders. Remember that the SR22 is the mechanism by which proof of insurance is established, and the insurance policy itself is basically the same with or without the SR22. Just like any other insurance policy, how much SR22 insurance costs for each driver depends on …

The Best Massage Chair for Your Money – How to Find It

Finding the best massage chair to suit your own particular preferences can be confusing as there are so many options available. The final choice that you make may come down to the styling of the chair and any specific extras it provides. However, it is most likely to be determined by the type and effectiveness of the massage that the chair gives.

There are two distinctive types of massages that these chairs can provide – the Swedish massage and the shiatsu massage. The Swedish massage gives a kneading form of long strokes but the shiatsu massage gives you a mixture of rolling and patting actions and pressure to stress points within the body.

Most experts believe you will not be able to fully appreciate the advantages of either kind of chair until you have relaxed in it for at least twenty minutes. Merely sitting for a moment or two in a chair on the display floor just is not sufficient. This is a major investment so you must take your time in making the right choice.

The more added features that are integrated into your chair, the more you will pay. Most chair owners will really only need a few options to meet all their immediate requirements. Whilst considering the limits of your own budget, you will be well advised to choose the best massage chair with the most rollers within your price range. You may not always require an intense massage from the chair but other users may well do and a larger motor can offer this feature.

The best massage chair will almost certainly have an adjustable width facility. If you have multiple users of the chair, this is a feature you will definitely need. To obtain an effective massage you'll want to have a very good chair that fits your body correctly and an adjustment facility would be useful if you use the chair after someone else. You should spend time looking for the seat that fully meets your needs, that offers the type of massage that you like with a good degree of comfort and that will fit into your individual color scheme.

Whenever you relax in the chair for a massage you will really appreciate having a footrest for the sake of comfort. A few chairs will not come with this attribute but this is definitely one that you want to ensure you have. You can also get airbags that can be installed for the foot and leg areas for additional deep massaging benefits in these areas.

So consider well and take your time in choosing the best massage chair for your particular requirements. …

Tax Law Changes for 2014

Just like another year has come and gone, there is a handful of tax laws that will come and go starting on January 1, 2014. Some of the changes are due to expiration laws that were enacted in an attempt to spur economic growth during the most Recent recession – others were caused by new legislation, rarely the Affordable Care Act, or otherwise known as Obama Care.

The first and by far the most widely discussed tax law change is related to the new health care law. The main component of the law that will effect taxpayers is the individual mandate requiring individuals to purchase health insurance or receive a penalty. First and foremost, you will not be penalized for not carrying insurance until you file your 2014 tax return in early 2015, this goes for all laws that take effect starting in 2014.

But if you do not carrying qualified minimum coverage by March 31, 2014 you will start to incur a penalty that can amount to either $ 95 dollars per adult + 47.50 per dependent in your household, or 1{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of total household income, whichever is greater. The cap of the penalty is annual cost of a bronze rated insurance plan for you or your family. As mentioned earlier, this penalty would have been collected when you file your 2014 return in early 2015 – via a refund reduction or an adjusted balance increase if no refund was due.

One common tax deduction that is going away will have an adverse affect on some teachers, this will cause a taxually increase during 2014 because Congress is not extending the tax deduction that allowed teachers to write off up to $ 250 dollars of their classroom expenses. Up until now, this deduction was considered above the line, or taking a deduction without itemizing. Since nearly 75{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of taxpayers do not have enough deductions to itemize – this could have an impact on a number of teachers nationwide.

Another deduction that is going away is the PMI deduction. Since 2010, homeowners who pay mortgage insurance premiums have been able to deduct them together with the interest they pay on their home loans. This will be no more starting January 1. Homeowners who put down less than 20{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} during the home purchase process were required to carry this type of mortgage insurance. That being said, mortgage interest and real estate taxes are still deductible in 2014 as an itemized deduction – resulting in homeowners being able to deduct much more than if they rented their home or apartment.

One exemption that is going away but is not getting much attention right now is the primary residence cancellation of debt exclusion. Homeowner's in recent years, who had mortgage debt forgiven by a lender via short sale have been exempted from paying tax on the forgiven debt. This provision was passed to improve liquidity and stabilization in the housing market a few years back, but was not extended through to 2014. Going …

Top Cookbook – Recipes From My Personal Cookbook

I think we all have a cookbook that we consider a "Top Cookbook." To be honest I think it all depends on what you enjoy and what you want to cook. There is, for instance, no doubt that America's Most Wanted Recipes is a top cookbook, if you enjoy restaurant style food. I definitely do and that is why I love it.

On the other hand you get cookbooks, like my personal one, that have simpler recipes, suitable for those times when you simply want to get something on the table fast, but still tasty.

I think potatoes are very underestimated as most people only consider them a stage. What many people do not realize is how healthy potatoes are. So, I thought I will give you a few recipes that will really come in very handy.

The three potato recipes I have for you fall into that category. They are quick and easy to serve with any meat or other vegetarian main course dish. The first one can be served on it's own as the main course with a salad.

Tasty Fried Potatoes

Ingredients:

  • 6 Bacon slices diced
  • C Cup chopped onion
  • 3 Cups pared and sliced ​​potatoes
  • Seasoning of your choice

Method:

  1. Cook bacon in heavy skillet.
  2. Add onion.
  3. Continue cooking until bacon is crisp and onion soft but not browned.
  4. Add uncooked potatoes.
  5. Season to taste.
  6. Cover and cook for about 15 minutes until almost tender.
  7. Uncover and brown both sides.

To make an omelet, you will need 6 beaten eggs. (Maybe an easier variation on the traditional frittata)

  1. Simply add about 1/3 of the beaten egg to the soft potato mixture.
  2. Continue cooking over low heat without stirring until the eggs are firm.
  3. Turn over whole with a wide spatula.
  4. Add another 1/3 of the eggs; Repeat process.
  5. When the last third has cooked through, the omelet is ready to serve.

Potato O'Brien

Ingredients:

  • 3 Tbsp fat
  • C Cup chopped onion
  • 2 Tbsp chopped green pepper
  • 2 Tbsp chopped pimento
  • 3 Cup cooked dried potatoes
  • Seasoning

Method:

  1. Heat the fat.
  2. Add the onion and green pepper and cook for 5 minutes.
  3. Add the potatoes and pimento.
  4. Cook until browned, stirring occasionally.
  5. Season to taste.

Mashed Potatoes Au Gratin

Ingredients:

  • 3-4 cup hot mashed potatoes
  • C cup buttered bread crumbs
  • C cup grated cheese
  • Paprika
  • ?

Spoon the mashed potatoes in a shallow baking dish, sprinkle the buttered bread crumbs over, then the grated cheese and lastly a dash of paprika.

Bake at 375 ° F for about 20 minutes until lightly browned.

Enjoy these recipes and look out for more to come. …

Popular Business Card Types

A business card is an integrated part of any marketing campaign. It's a tool for marketing executives, as well as it acts as a means of creating your organizations Corporate Identity. It also acts as the sole contact link for your prospective customers who you contacted in past with your business proposals or your product specifications.

Your business card makes the first impression of your company in front of recipient, so it needs proper emphasis and design concepts. You need to incorporate your creativity and innovation in your small business card, so that your future clients, customers, or business contacts can get some idea about your commitment for perfection. Remember that your business card is not less important than the suit you are wearing or the laptops, and gadgets you are carrying along with you. That means only style and way of presence is not important, the thing which matters is your ability to put your customer orientation and commitment into your business cards.

Business cards are of different types, each type of cards may not be suitable for you; choose a card type which represents your business, industry, services, and personal styles appropriately. When choosing a business card design, opt for a style that best supports the business and brand image you wish to illustrate to your card recipients. Popular Card types in use these days are as follows:

Basic Cards – The cards with only two color combination, one foreground and one background are known as basic cards. Usually these cards have light colored background with dark colored text, generally Black and White. This type of card design is favors among people who focus on only essential needs.

Picture Cards – The Picture cards generally have pictures of the person carrying the card of the products being targeted in marketing. If your picture is there, it helps people identify you in second meeting, and if your product picture is there, then it helps Ur customers in having an overview of product.

Multipurpose Cards – A multiple purpose card serves dual proposition, one like a business card and another with some other facility like a cozy coupan or with a map on backside can guide more or more information about your company or organization .

Choose your cards from above types carefully after judging your requirements. Putting a Logo of organization is mandatory in most of the cases. Make it simple and elegant. It should portray your and your company and brand image perfectly. …