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Business – Understanding Your Value and How to Market it – References

In order to have a strong, active and growing business, you will need to have good referral sources and also be able to provide good referrals for your clients to receive services that you do not offer. Building and nurturing relationships with others will result in a steady stream of new clients for your practice.

There are many different types of referral sources that can be cultured as follows:

1. Word of Mouth – For years, marketers have stressed the fact that the best form of advertising is through individuals who talk about your services in a positive manner. Former clients, their friends and relatives can personally attest to the satisfaction they gained by working with you. It does not take long until a community forms an opinion about you and your private practice. I remember hearing the words of a lawyer a few years ago who stated "It takes a lifetime to build a reputation and only a few seconds to lose it". People frequently refer their acquaints for assessment and / or treatment.

2. Other Professionals – At times you may set up joint ventures where the client benefits from having different types of services. In divorce, for example, a lawyer, a psychologist and accountant may all work together for the benefit of the client. Other professionals may work in tandem with you and ask that the client see you before they work with you. For years I have been completing psychological assessments for an infertility specialist who claims that he does not have ethical practice without the couple has had this assessment done first. You may receive referrals from teachers who request that you treat students or from managers who are concerned about employees.

3. Government and Public Service Agencies – The Justice system, community service organizations and government departments may refer individuals to you for either assessment or treatment services. Some such as Worker's Compensation Board or Health Canada may actually pay for the clients but usually this is on a fee schedule that they set. There are times when your contract will allow you to ask the client to "top up" the fees if the organization's scale is lower than your rate, but other times when you will need to decide whether you are willing to work for a lower amount in exchange for a steady stream of referrals.

4. Employee Assistance Programs – Under this category, some companies offer a limited number of sessions or annually amount as part of the benefit plan for employees. Most of these allow dependents and / or eligible family members to also obtain services. Most of these programs involve signing a contract with the EAP company at the fee per hour rate that they are willing to pay. The benefits are available to the employee on a yearly basis and can not be transported over into the following year. It's "Use it or lose it". Some employees also are given a "Health Spending Account" which is a set …

Real People – Real Jobs And Real Money

Dear Friends,

There is no doubt that working at home is a dream for many, if not most people. I think there is a part of everyone that wants to work at home. There are many ways to make money by working at home. You can start your own home based business, create a product and sell it, associate with an existing business, run online auctions, freelance for a company, do a job from home, or any of the many other ways to work at home.

Right now I am going to focus on making money at home with a work at home job or some form of it. Personally, I think that running your own home based business is the best way to work at home but sometimes that is just not an option for people.

There are many reasons why someone would want to have a work at home job to make extra money, rather than run a home based business. Here are a few that come to the top of my head:

1) Need to make a little extra money to get out of debts

2) Want to make some money to take a vacation.

3) Just want to make some money to put into savings.

4) Must work at home due to a disability.

5) Student that needs to make money for college but may not have time to run a home based business, so they just want an at home job.

6) Moms that need to make money to help provide for the family but must also stay at home with the kids (work at home jobs are great for you)

There are MANY other reasons why someone would choose to work at home. Why do you want to have a work at home job? You may or may not have one of the reasons above. Whatever your reason may be, there are tons of benefits to working at home. There are many legitimate ways to make money at home using the internet without actually running a "home business".

One of the Greatest Earning Opportunity for Home workers, Part time jobbers, Net Surfers, Network Marketers to earn Extra Money from Home – What do you think? Do you want to earn extra income by working in spare time?

Do you have little Internet knowledge? Do you want to earn money for free? If your answer is yes, then you have come to the right place. Process Emails on the net and earn high income from home. Work without leaving your job. Work Part Time only, no need to work full time. Work from Home or Office. Work in your spare time. Enjoy Personal Freedom and Financial Independence. We are offering Home based Internet job work opportunity to everyone those who want to earn extra income in their spare time using their computer and internet knowledge. For more information please visit:

Wish you good luck! …

Earn Fast Money Right Now Doing Cool Things Online

These days, it's not uncommon to have more bills at the end of the month than money to pay them. Regular wages are stagnant, and you're tired of barely being able to make ends meet. This is why you could really use a method to make fast, easy money online. But, you've already looked around and have seen nothing but a bunch of sketchy sites making "too good to be true" claims.

Your desire to make quick cash is genuine, though, so you keep searching in hopes of finding a legitimate moneymaking opportunity. I can tell you that I was exactly in this same spot a while ago, and I kept running into lots of dead ends. I kind of had an idea that there may be some sincere ways to make money online, but I was not really getting anywhere.

Fortunately, I was able to stumble across a website that showed me that there were legitimate work offers being listed all the time. So, I began looking at other ways to generate some income online, and discovered that there was a lot more out there than I had originally thought.

When you want to make money now, easy and fast, you first have to make sure that the opportunity is real. It's so easy to get scammed online, and I've been a victim of that myself. The best way to protect yourself is to remember that if an offer looks too good to be true – it probably is.

Anyway, legitimate money making opportunities are always pretty straight forward. There's no guessing about how to make the money, or how you get paid. If you've never made a single dollar online, you can begin making money right away once you know where to look.

Let's say that you're someone who likes to upload funny videos and share the link with friends. Instead of doing this just for kicks, you can sign up with a site where you'll make quick cash just for getting people to watch your video. In fact, you can make money from all sorts of uploaded files. As long as you can bring in lots of traffic, you can make money.

There's another site where you can offer to provide practically any type of helpful service you want for $ 5 bucks a pop. When someone signs up for your service, you perform the task, then get paid quickly. Services on that site range from the mundane to the truly unique. These are just a couple of examples, but there are many more easy things you can do. …

Two Ways to Finally Make Some Real Money Forex Trading

The forex market has opened up a lot of opportunities earn big money through its currency exchange options. Comparing the forex market to its rival, the stock market, there are numerous advantages like the larger money flow and comparatively long trading times. Considering the fact that more than a trillion dollars worth trades are done each day in the forex market, there is a huge scope for good traders here. Not so good traders and newbie are sooner to lose their investments here due to lack of knowledge about the market strategies.

Keeping track of the previous trading trends

The best way to stay secure from losing money in the forex market is to follow existing trading trends. This includes keeping track of the high and low points of the previous trading days. Trading experts who have been following these trends for years tend to anticipate and guess the future days' trades just by looking at the current trend. This comes out of the wide trading experience that they accumulate during the years, that which is not with the new traders.

Formulating a plan and a system for trading

There are opportunities that the regular trends may tend to change at any time and the highs may suddenly migrate towards the low end of the trade. One should be aware of these circumstances and must be ready to exit from the trade at the right time to avoid monetary losses. To avoid such risks, always stick to your formatted trading plan and follow the trading system that you are using. …

Manage Your Money Flow

Managing your money flow is the second step of building your financial house. It is like building the frame that the rest of the home will be built around.

The concept of managing your money flow is basically making sure that your inflow of cash is less than your outflow of cash. This process is called budgeting. When you create and follow a budget, you are living within your current means and you will avoid accumulating new debt.

When you take the time to create and follow a budget, you begin to see where your money goes each month. Armed with that knowledge you can cut back on some of those wasteful spending habits and free up money to start moving towards your goals.

Managing Your Money Flow Will Help You Reach Your Financial Goals

When you follow a budget, you can allocate money to reaching your financial goals. Maybe you want to save for things like retirement or a down payment on a house. Perhaps you want to start saving money to start that business you’ve been dreaming of. When you follow a budget, you have a plan to get where you want to go. When you have a goal and plan to reach that goal, your chances of getting there are exponentially increased.

Managing Your Money Flow Will Prepare You for Future Wealth

If you are always running out of money with your current income, chances are that you will have the same problem even if you earn more. Statistically, the more money you earn, the more money you’ll spend. This is called Parkinson’s Law. If you do not learn to manage what you have now, earning more money will not solve the problem.

Don’t be fooled by appearances. Many of those high income earners are broke. All of their income is going to pay for their big mortgage, the credit card bills, and the car loans. They are just broke at a different level.

Managing Your Money Flow Will Teach You Discipline

Wealthy people understand the importance of managing their money. They exercise self-discipline and they save up for purchases and earn interest on their savings while they do it. Broke people tend to go for instant gratification and buy things on credit. Often, whatever they buy ends up costing them twice as much by the time they finish paying for the credit card bill.

In the long run, saving up for purchases will actually allow you to buy twice as much stuff compared to buying with credit.

Alternatively, you could have the same amount of stuff, plus build up a big investment account on the side with all the money you save by not paying interest on debt.

Managing Your Money Flow: Conclusion

Over the years of working in the financial industry I have actually met a lot of low income earners that had higher net worths than many doctors and lawyers. This is simply because they managed their money well and allocated a portion each …

Comparison of Senior Life Insurance And Alternatives

What is Senior Life Insurance?

A senior life policy is usually a fairly small face value whole life insurance policy. By a small face value, I mean from a couple of thousand dollars to twenty or twenty-five thousand dollars. The policy is usually intended to help a family pay expenses that come up at the end of life. These examples could includeerals, debts, travel, and compensating family members for losing time at work. If any money is left over, the beneficiaries of the policy are entitled to keep it to use however they wish.

Advantages To Senior Life Insurance

There are some advantages to having a policy. Funerals are expensive. It can be very tough to come up with the cash to pay for one. Other expenses also tend to crop up when a loved one dies. The policy can be a source of cash to help pay for these things.

It can also be a way to leave cash to the beneficiaries. Any money that is not needed to pay for end of life expenses should go to the people who are named on the policy. In most cases, there are no taxes due on the proceeds from a life policy.

Is Senior Life a Low Cost Choice?

Because the face values ​​are small, many policies are quite affordable for seniors or their families. However, we also need to decide if these policies are a good value. That will depend upon a lot of things.

Take the example of an eighty year old female. A typical premium for an $ 11,000 policy might be about $ 95 a month. In this example, the policy will be paid up at age 95. After her 95th birthday, the insured person will not need to pay more premiums in order to be covered.

Keep in mind that this is just an example, and it is not meant to illustrate any particular insurance policy. Rates will vary by age, health, location, and insurance company. In order to get accurate quotes for yourself, or for a loved one, you can find an online life insurance quote form.

In this example, if the insured person does survive until age 95 when the policy is paid up, the premiums would have adjusted to over $ 17,000. This is probably more than the $ 11,000 face value of the policy! It would be easy to say that, in this case, the family would have been better off by putting the money in a savings account.

Insurance is about risk though. If the insured person would pass away in the first few years of the policy, the premiums paid would be much lower than the face value. In this case, the family would pay less than the face value for the policy.

So it is hard to say for sure if a senior life insurance policy will be a good value or not. Nobody, can predict the future. We also spend a lot of money on car insurance …

High Deductible Health Insurance Can Save You Lots of Money

Have you heard about the new High Deductible Health Insurance Plans? These new plans can offer you major medical coverage at very low prices when compared to other types of health insurance. Let's take a look at what this type of plan is all about.

High Deductible Individual and Family Health Insurance Plans

HDHPs or High Deductible Health Plans are growing rapidly as Americans look for ways to save money on health insurance. If you're looking for low cost health insurance, and want coverage for serious injury or illness, a high deductible health plan may be just what you need.

A high deductible health plan is designed to protect you and your family from high medical costs and encourage preventive health care. If you are reliably healthy, this plan can save you a lot of money. This is how it works:

1. You choose from a selection of high deductible amounts ranging from $ 500 all the way up to $ 10,000 depending on which insurance company you are working with.

2. You agree to a health insurance plan in which you are responsible for medical costs up to the deductible amount you have chosen.

3. After you have reached your deductible amount, the insurance company agreements to cover up to 100{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} of your medical costs, up to the policy limits.

Choosing a high deductible health plan can dramatically reduce your monthly payments dramatically. As much as 50{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} in some cases. The downside of high deductible health insurance, is that you absorb some of the risk for medical costs. For instance, if you were to choose a $ 3500 deductible, then you would be liable to pay that amount before the health insurance begins to pay. Many of these plans offer 100{4917788a0bd7aa7369c2a945027b4fe6c9853cda4150a24fe1255b18ce3083dc} coverage once the deductible has been met, which means $ 3500 is the most you would have to pay in case of a serious medical issue.

High Deductible Health Insurance Quotes

Because almost all major insurance companies have made their medical plans available online, you can go shopping for health insurance any time, night or day, and find high deductible individual and family health insurance quotes in a matter of minutes. …

Points To Consider With Cheap Auto Insurance

The word "cheap" means different things to different people, so the first thing you will want to do is to define what "cheap" means in your vocabulary. If it means that you want the bottom line lowest of the low prices to get cheap auto insurance, and the only thing you are concerned about is what the policy costs, then this may not be for you. But if you are looking for the best value to get the most bang for the bucks, then there are multiple places, online and offline, where you can find cheap auto insurance.

You need to understand that not all auto insurance policices are done the same way. The standard policy from one insurance carrier is significantly different than the standard policy from another insurance provider. You also need to know that whatever you get, everything comes at a cost, and sometimes if you do not pay that cost up front, you will pay it later, and there is no getting around that.

For example, the reason you are carrying cheap auto insurance is because you need the coverage, either for peace of mind or to comply with your state laws, but what happens when you get into an accident? If you have a good policy, then things are taken care of with minimal effort on your part. However, with some of the cheap auto insurance policies that are available out there, getting the insurance company to pay on a claim is going to take significant time and effort on your part. If you value your time at all, sometimes think about it and attach an hourly rate to it, you will realize that after factoring in the personal time you had to spend on getting them to cover a claim, you have not saved any money at all . In fact, you paid MORE for it!

Auto insurance policy coverage is not an exact science. First of all, you have the deductible, and the amount of the deductible could be different for the various kinds of coverage. For example, you may have it set up for $ 500 deductible on collision, but a $ 1500 deductible on comprehension or fire. The deductible amount has a drastic impact on the rate that you pay, and is the amount that you will pay out of your own pocket before the insurance company pays anything. To give an example, let's say you have $ 500 deductible on collision and you get into a minor fender bender, but the estimate to repair only comes to $ 400. The insurance company will not pay anything on that, since it is less than your deductible, and in fact, that is a case where you probably do not even want to tell your insurance company about it.

There are also differences in liability. For example, if you get into an accident where the other person sustains various severe flaws. It is not unusual these days for hospital costs to go well …

Ideas For Home Based Working Opportunities

In today’s modern society, more people than ever before want to have things quickly and this also applies to making money. That is why more and more people are looking to start up their own businesses from home. There are a number of different ways in which you can make money with an online business, and this article will go into more details about some of the best ones.

Network & Affiliate Marketing

Network marketing is becoming more and more popular, however, you need to choose one that has a product that you are passionate about. By giving the product emphasis, you will have a greater chance of making more money in less time, and in actual fact, you can make quite a lot of money in not time at all thanks to network marketing.

You have the chance to be able to sell products and services within minutes, when you sign up for an affiliate marketing program, and again, you will do better if the product means something to you personally. This can be achieved by buying and sampling the product, and in fact, a lot of people who sign up for affiliate marketing were satisfied customers who wish to spread the word about the product.

Email Marketing

An additional method of making money fast with an online business is email marketing. This is a good way to make money fast, however, you need to have quite a long list of email addresses, because not having many email contacts will slow the process down.

One way to boost you email numbers is to buy registration leads, and get the specialized lead companies build a contact list on your behalf.

Provide a Service That People Want

There are countless millions of people across the world with internet access, and a lot of them will pay you to do things for them. As an example, there are millions of blogs on the internet, and they say that a new one is begun nearly every second. However, blogging can be time consuming and people quickly run out of ideas, this means that some people will pay you to write blog articles for them, and this can be a good way to make some money by working from home.

Hopefully, this article has furnished you with one or two ideas about how you can make some extra income through working from home, and it has hopefully inspired you to start your own online business.…

Make Money With Blogs To Help You Attain Financial Freedom

Blogs are now a very popular thing on the internet as they are very easy to create and require little to no knowledge of html. There are a significant number of people that are quietly making a fortune with blogs alone and there is no reason that you can not do it also.

The content on your blog is what will extremely decide its success or failure. The first step is to select a popular niche that has a strong market. In other words there must be a lot of people doing searches on the topic of your blog otherwise your blog will not get much traffic. There are many great free keyword tools you can use such as the overture keyword tool or the Google keyword tool to look for niches that you can write a blog on.

It is best to pick a niche that you also have an interest in as this will make it a lot easier to add good content on your blog. Once you have selected a niche the next step is to pick a blogging platform. Blogger which is owned by Google can be a great way to start if you do not already own a domain or have your own site. If you do have your own site then you can use WordPress to easily create a blog on your own domain.

When choosing a domain name for your blog try to pick something that is keyword rich as this will help when it comes to better search engine rankings. Also when choosing a niche make sure to select one that has a lot to write about so you will not run out of topics on which to make blog posts about. If you can use a unique template for your blog then that is ideal but even a basic template that is being used by many people can still work well.

Now you need to start making posts on your blog. Resist the temptation to use an automated poster but instead focus on learning about your niche as much as possible and then making genuinely unique and useful posts. Remember that you want your blog to do well in the search engines long term so keeping your content unique and useful is important. After making your first post be sure to ping your blog using a free tool like Pingomatic. Also submit your blog to as many free directories as possible.

In addition write an article on the topic of your blog and submit that to as many article directories as you can. This will help increase the web presence of your blog and will bring many one way links which will help with improving search engine rankings. Try to submit one new article a week to as many article directories as possible or you can use an article directory submission service to save you time.

Make sure to add some Google AdSense to your blog especially on the part above …