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Orignal From: RFID Blocking Stainless Steel Wallet (Fingerprint-Free Silver) Credit Card Protector for Men and Women - Stylish Travel Wallet - Business, ID, Insurance, Debit, & ATM Card Holder
Saturday, April 30, 2016
2017 Clan Sponsorship
2017 Clan Sponsorship
The Loch Norman Highland Games at Rural Hill, April 7, 8 & 9 of 2017 is a family gathering presented by Historic Rural Hill, Inc. The mission of Rural Hill, which is a 501c3 Non Profit organization, is "to be an educational organization providing for recognizing, celebrating and preserving the rich heritage of Rural Hill." IMPORTANT: Clan Sponsorship must be received by March 7, 2017 to guarantee recognition in the program and a tent on the field. The fee must accompany this signed waiver form to insure the tent reservation. Tent location requests will be accommodated on a first come, first served basis. The contact person listed above must be the authorized representative of their Clan or Society. Each 0.00 Clan Sponsorship Includes One tent (10x10,) one table and four chairs One program, one preferred parking pass and two dated commemorative pins Two Clan Sponsor Badges for Friday Night Reception at 6:45, hospitality tent & weekend events Overnight security on the field both Friday & Saturday nights Golf cart assistance available to the field on Saturday & Sunday between 7:00 & 8:30 a.m. (No cars will be allowed on the field.) Per insurance considerations and requirements, Historic Rural Hill must require a clan representative to sign a waiver before they may occupy a tent location on the field. The tent location requests for 2017 will be accommodated on a first come, first served basis and assigned by the Clan Sponsor Committee. Please designate a representative to bring and to carry your clan banner at the Call to the Clans ceremony at 8:00 p.m. Friday evening. We request only ONE Clan member act as the Clan Representative on the field. Note - no cell phones are allowed on the field during the Call to the Clans. The field at Rural Hill is open to Clan Sponsors on Friday to bring materials and supplies to their clan tents. The Rural Hill Scottish Festival and Loch Norman Games provide overnight security personnel on Friday and Saturday nights. Cars are not allowed on the field on Saturday or Sunday, but there is golf cart assistance from the Clan Sponsor parking area from 7:00 a.m. until 8:30 a.m. if you need to move additional materials to your tent. The Parade of Tartans is on Sunday morning, following the worship service at about 11:30 am. The Director of the Parade of Tartans is Dave Henderson. Please check in with him at the Clan Henderson tent on Saturday. The Rural Hill Scottish Festival and Loch Norman Highland Games is a pet-free event. Pursuant to Mecklenburg County Ordinance, Rural Hill is now a tobacco-free zone. This includes both smoking, smokeless tobacco, e-cigarettes, vaporizers and other such devices. This includes the campground. This is a Mecklenburg County Law that Rural Hill must follow. Tent fly policy - The Mecklenburg County Land Use and Environmental Services and Risk Management Event Policy for the Rural Hill Scottish Festival and Loch Norman Highland Games does not permit the installation of personal tents or tent fly's. Historic Rural Hill is required to enforce this policy. The Rural Hill "Making History" tent in the Kid's Zone will issue Passports to Scotland workbooks to encourage children to look at and visit the clan tents. Clan Representatives are likewise encouraged to reward the children's interest by answering questions and/or stamping their passports with the clan's heraldry. Best Clan Tent Award Clan tent displays will be judged anonymously on Saturday and/or Sunday and a trophy awarded for first place based on specific criteria which can be reviewed at www.LochNorman.com. If your clan would be interested on holding your AGM at the Rural Hill Scottish Festival and Loch Norman Highland Games please contact Jeff Fissel, Executive Director of Historic Rural Hill by e-mailing him at Jeff@RuralHill.net or calling 704 875 3113. Join numerous other clans already proudly displaying their clan crest and tartan banner in the Rural Hill Cultural Center throughout the year! Space is limited, contact Jeff Fissel today at Jeff@RuralHill.net or 704 875 3113.
at Historic Rural Hill Farm Center of Scottish Heritage
4431 Neck Road
Huntersville, United States
Orignal From: 2017 Clan Sponsorship
The Loch Norman Highland Games at Rural Hill, April 7, 8 & 9 of 2017 is a family gathering presented by Historic Rural Hill, Inc. The mission of Rural Hill, which is a 501c3 Non Profit organization, is "to be an educational organization providing for recognizing, celebrating and preserving the rich heritage of Rural Hill." IMPORTANT: Clan Sponsorship must be received by March 7, 2017 to guarantee recognition in the program and a tent on the field. The fee must accompany this signed waiver form to insure the tent reservation. Tent location requests will be accommodated on a first come, first served basis. The contact person listed above must be the authorized representative of their Clan or Society. Each 0.00 Clan Sponsorship Includes One tent (10x10,) one table and four chairs One program, one preferred parking pass and two dated commemorative pins Two Clan Sponsor Badges for Friday Night Reception at 6:45, hospitality tent & weekend events Overnight security on the field both Friday & Saturday nights Golf cart assistance available to the field on Saturday & Sunday between 7:00 & 8:30 a.m. (No cars will be allowed on the field.) Per insurance considerations and requirements, Historic Rural Hill must require a clan representative to sign a waiver before they may occupy a tent location on the field. The tent location requests for 2017 will be accommodated on a first come, first served basis and assigned by the Clan Sponsor Committee. Please designate a representative to bring and to carry your clan banner at the Call to the Clans ceremony at 8:00 p.m. Friday evening. We request only ONE Clan member act as the Clan Representative on the field. Note - no cell phones are allowed on the field during the Call to the Clans. The field at Rural Hill is open to Clan Sponsors on Friday to bring materials and supplies to their clan tents. The Rural Hill Scottish Festival and Loch Norman Games provide overnight security personnel on Friday and Saturday nights. Cars are not allowed on the field on Saturday or Sunday, but there is golf cart assistance from the Clan Sponsor parking area from 7:00 a.m. until 8:30 a.m. if you need to move additional materials to your tent. The Parade of Tartans is on Sunday morning, following the worship service at about 11:30 am. The Director of the Parade of Tartans is Dave Henderson. Please check in with him at the Clan Henderson tent on Saturday. The Rural Hill Scottish Festival and Loch Norman Highland Games is a pet-free event. Pursuant to Mecklenburg County Ordinance, Rural Hill is now a tobacco-free zone. This includes both smoking, smokeless tobacco, e-cigarettes, vaporizers and other such devices. This includes the campground. This is a Mecklenburg County Law that Rural Hill must follow. Tent fly policy - The Mecklenburg County Land Use and Environmental Services and Risk Management Event Policy for the Rural Hill Scottish Festival and Loch Norman Highland Games does not permit the installation of personal tents or tent fly's. Historic Rural Hill is required to enforce this policy. The Rural Hill "Making History" tent in the Kid's Zone will issue Passports to Scotland workbooks to encourage children to look at and visit the clan tents. Clan Representatives are likewise encouraged to reward the children's interest by answering questions and/or stamping their passports with the clan's heraldry. Best Clan Tent Award Clan tent displays will be judged anonymously on Saturday and/or Sunday and a trophy awarded for first place based on specific criteria which can be reviewed at www.LochNorman.com. If your clan would be interested on holding your AGM at the Rural Hill Scottish Festival and Loch Norman Highland Games please contact Jeff Fissel, Executive Director of Historic Rural Hill by e-mailing him at Jeff@RuralHill.net or calling 704 875 3113. Join numerous other clans already proudly displaying their clan crest and tartan banner in the Rural Hill Cultural Center throughout the year! Space is limited, contact Jeff Fissel today at Jeff@RuralHill.net or 704 875 3113.
at Historic Rural Hill Farm Center of Scottish Heritage
4431 Neck Road
Huntersville, United States
Orignal From: 2017 Clan Sponsorship
Cheap Household Insurance Appeals To Many Home Owners
For many home owners, getting the best value in home owners insurance is directly correlated with finding cheap household insurance. When exploring household insurance options, premium costs are commonly cited as being a strong determining factor for buyers in plan selection. Certainly finding a low premium should be important, but home buyers also need to consider the purpose of coverage and obtain coverage that is adequate to provide for their financial needs in the event of a claims situation.
Household insurance usually includes several components. Buildings cover is perhaps the most important part of home insurance. This is the piece of home protection that provides for replacement cost of the physical property in the event of damage or destruction. Home buyers concerned with finding cheap household insurance often cut corners on the building replacement cost.
Insurance agents often suggest this as an option for reducing costs. This is a mistake. Building replacements costs are normally higher than the purchase price paid for a home. This is because materials and labor to replace the property in today's money is more than what was originally used for the property. This is especially true as homes get older. Low cost premiums can be found without the home owner cheating themselves out of several thousands in coverage, which is important in the event of a claim.
Contents coverage is another important aspect of adequate home owners insurance. This is the part of home coverage that protects the value of personal property maintained in the item. The value of such items can vary greatly from one home to the next. People that have a vast jewelry collection, or expensive furnishings, or other items might need greater coverage than those who live with limited personal possessions. Again, some property buyers looking for cheap household insurance may look to reduce coverage on personal items as part of keeping costs down. This may be more reasonable than doing so with building replacement, but again, adequate coverage is practical.
Home owners do not need to cut corners to find affordable home insurance. Many brokers are helping customers find access to great discounts available in the market. Some insurance providers offer discounts to acquire new customers or to encourage customer switching. Additionally, many insurance providers offer discounts for multi-product purchases. In other words, customers that buy other types of insurance from the same provider can often get discounts based on their existing relationship with the provider.
An insurance broker or specialist is a great resource to home owners trying to find cheap household insurance. Brokers understand the need for thorough coverage, but they can also carefully assess the buyer's particular circumstances to determine areas of greatest protection. By combining their knowledge of the insurance market and understanding gained from a prospect survey, brokers can pinpoint the right coverage at the lowest cost. This is much better for the insured than they themselves looking for the cheapest costs by cutting coverage corners. Valuable coverage must provide for claims and budget needs.
David Thomson is Chief Executive of BestDealInsurance an independent specialist broker dedicated to providing their clients with the best insurance deal on their home insurance, car and life insurance.
Orignal From: Cheap Household Insurance Appeals To Many Home Owners
Introduction to Physical Therapy, Occupational Therapy, and Speech Therapy Billing
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Orignal From: Introduction to Physical Therapy, Occupational Therapy, and Speech Therapy Billing
Orignal From: Introduction to Physical Therapy, Occupational Therapy, and Speech Therapy Billing
Image from page 95 of "The life insurance examiner. A practical treatise upon medical examinations for life insurance" (1888)
Image from page 95 of "The life insurance examiner. A practical treatise upon medical examinations for life insurance" (1888)
Identifier: 39002011213940.med.yale.edu
Title: The life insurance examiner. A practical treatise upon medical examinations for life insurance
Year: 1888 (1880s)
Authors: Stillman, Charles Frederick
Subjects: Insurance, Life
Publisher: New York, Spectator Co.
Contributing Library: Yale University, Cushing/Whitney Medical Library
Digitizing Sponsor: Open Knowledge Commons and Yale University, Cushing/Whitney Medical Library
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Precip.ten wh. colored. Precip. Precip.dirty. , dark. Precip. Precip. Pettenkoffers or Hellers test. Blood Microscopic and iron test.Separation of fat by ether. Chyle white. white. 88 The Like Insurance Examiner. Microscopical Examination of Urine. Hints.—Shake the urine thoroughly, add a little salicylic acid to pre-vent decomposition, pour into a conical vessel, cover, and allow it to settlefor half a day or longer. When about to examine it, prepare a clean glassslide, and upon this place a few drops of the urinary deposit by means of apipette; cover the drops with a thin glass disc, and examine with a one-quarter or one-fifth inch objective lens. Search for the different crystals, amorphous urates and phosphates,epithelial cells, fat globules, mucus, pus and blood discs ; and watch withextra care for tube casts, examining many specimens from the same depositbefore any conclusion is reached, especially if the urine contains albumen,as these abnormal ingredients generally coexist.
Text Appearing After Image:
Group of crystals of uric acid, often termed cayenne pepper grains, with cctahedra of oxal-ate of lime, x 215. (After Beale.) Five classes of minute bodies are usually met with in sediment de-posited from urine. These are : First, crystals; second, casts ; third, mucusblood and pus corpuscles; fourth, fungi, or minute vegetable organisms:fifth, accidental extraneous matters. Crystals.—Normal urine should never contain a sediment. Appear,ance of crystals within twenty-four hours after the urine has been passed, maybe accepted as indicating a non-healthy condition of the system, whethertemporary or permanent. The crystals most frequently met with are, uricacid, ammonia, oxalate of lime and an amorphous deposit of the urates. I. URIC ACID.—This is the product of a metamorphosis of tissue. Acharacteristic test for it is effected by the addition of a few drops of nitricacid to the suspected deposit, which has previously been placed in a capsule The Life Insurance Examiner. 89 the mixtu
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Orignal From: Image from page 95 of "The life insurance examiner. A practical treatise upon medical examinations for life insurance" (1888)
Long Term Care Insurance, Should I Get This?
Yes, you may want to consider a long term care insurance plan if you don't want to drain your retirement savings and other investments in the future! It is currently estimated that nursing home costs are more than $ 10,000 per month. Imagine, how much this will cost you on an annual basis if you had to pay this money out of your pocket if you needed care from a nursing home! This would be financially devastating without long term care insurance.
Did you know that prior to the passage of the Deficit Reduction Act of 2005, most Americans were able to count on Medicaid to assist them with long term health care. The Deficit Reduction Act changes all of that. This new law places the majority of long term health care costs on you, especially if you have assets. Unfortunately, middle class Americans will be hit the hardest with this new law.
How does the Deficit Reduction Act affect me if I need nursing home care and have assets? Well, for the most part, you will need to exhaust your assets before you will be eligible for Medicaid. Under this new law, there is a five year look back period from the date that you apply for your Medicaid benefits. This five year look back period, is to ensure that you have not transferred assets to relatives, friends, or other individuals. If you have transferred your assets to someone, Medicaid will count this against you and you will have a period of penalty wherein you will not qualify for benefits. Basically, this means that you could be out of money and Medicaid will not pay for your nursing home care!
The other side of this new law is that even if you have not transferred your assets to someone, you cannot have more than $ 500,00 in home equity. The majority of your assets including trusts and annuities are viewed differently under this new law.
It is important, that you consider long term care insurance as part of your retirement planning. With passage of the Deficit Reduction Act of 2005, it is a must! Unless you are independently wealthy and don't mind coming out of your pocket with more than $ 10,000 per month for your prospective nursing home care! For the average person, this would be a severe financial hardship.
What age should I consider getting a long term care insurance plan? You may want to consider in your early to mid fifties. However, it is recommended that you consult your insurance agent or financial advisor about this.
Planning is important, in order to assist you in eliminating a potentially devastating financial disaster. You want to live out the golden years of your retirement as stress free as possible. So make sure you plan for your future long term health care needs!
Nocita Carter is a writer that designs websites providing informative tips at finance tips
http://www.personal-finance-tips-for-you.com & dating tips http://www.mydating-tips.com
http://www.personal-finance-tips-for-you.com & dating tips http://www.mydating-tips.com
Orignal From: Long Term Care Insurance, Should I Get This?
Valuations for Emerging Companies
Valuations for Emerging Companies
Emerging companies may require a formal valuation for numerous reasons, from issuing equity compensation to raising capital to selling the company. In this program, Glan McElwee from Moody, Famiglietti & Andronico (MFA) will discuss the fundamentals of valuations. Topics for this seminar include: • When to obtain an outside valuation • What constitutes a qualified appraiser • Standards of value (Fair Value, Synergistic Value, Fair Market Value etc.) • The valuation process and the most common valuation methods • Factors affecting value • Practical considerations regarding valuation as it relates to raising capital or positioning for a liquidity event Doors will open for networking at 9:30am. This program is part of McCarter & English's ongoing series on legal and business topics for entrepreneurs and emerging companies. Programs are held once or twice each month and are open to members of the CIC and their guests, as well as to the greater Boston entrepreneurial community. Contact: Benjamin Hron, 617-449-6584, bhron@mccarter.com, @HronEsq About the McCarter & English Venture Capital and Emerging Companies Group McCarter's Venture Capital and Emerging Companies Group is dedicated to helping entrepreneurs build and finance their businesses and assisting angel and venture capital investor invest in early stage and emerging companies. The group is composed of tech-savvy lawyers who have helped build, grow, finance, sell and take public companies across the full spectrum of businesses, including Internet, software, medical devices, new media, life sciences, cleantech, healthcare, consumer products, biotechnology, retail, e-commerce, entertainment, financial services, insurance and telecom.
at Cambridge Innovation Center
1 Broadway
Cambridge, United States
Orignal From: Valuations for Emerging Companies
Emerging companies may require a formal valuation for numerous reasons, from issuing equity compensation to raising capital to selling the company. In this program, Glan McElwee from Moody, Famiglietti & Andronico (MFA) will discuss the fundamentals of valuations. Topics for this seminar include: • When to obtain an outside valuation • What constitutes a qualified appraiser • Standards of value (Fair Value, Synergistic Value, Fair Market Value etc.) • The valuation process and the most common valuation methods • Factors affecting value • Practical considerations regarding valuation as it relates to raising capital or positioning for a liquidity event Doors will open for networking at 9:30am. This program is part of McCarter & English's ongoing series on legal and business topics for entrepreneurs and emerging companies. Programs are held once or twice each month and are open to members of the CIC and their guests, as well as to the greater Boston entrepreneurial community. Contact: Benjamin Hron, 617-449-6584, bhron@mccarter.com, @HronEsq About the McCarter & English Venture Capital and Emerging Companies Group McCarter's Venture Capital and Emerging Companies Group is dedicated to helping entrepreneurs build and finance their businesses and assisting angel and venture capital investor invest in early stage and emerging companies. The group is composed of tech-savvy lawyers who have helped build, grow, finance, sell and take public companies across the full spectrum of businesses, including Internet, software, medical devices, new media, life sciences, cleantech, healthcare, consumer products, biotechnology, retail, e-commerce, entertainment, financial services, insurance and telecom.
at Cambridge Innovation Center
1 Broadway
Cambridge, United States
Orignal From: Valuations for Emerging Companies
WeatherTech TechShade TS0563 Window Shades
WeatherTech TechShade TS0563 Window Shades
TechShade Fits 2002 to 2005 Land Rover Freelander;Silver/Black;Reflective film chases the sun away in summer;Reverse side absorbs the heat for those cold winter months LAND ROVER RANGE ROVER HSE 2003 2004 2005 4.4L (4398cc) 4.4L M62 (4398cc) GAS WeatherTech TechShade TS0563 Window Shades
List Price:
Price: 50.99
Orignal From: WeatherTech TechShade TS0563 Window Shades
The Green and the Black: The Complete Story of the Shale Revolution, the Fight over Fracking, and the Future of Energy
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Orignal From: The Green and the Black: The Complete Story of the Shale Revolution, the Fight over Fracking, and the Future of Energy
Orignal From: The Green and the Black: The Complete Story of the Shale Revolution, the Fight over Fracking, and the Future of Energy
Buying Wholesale For Ebay-Buying Wholesale For Ebay To Gain More Profits
Starting an online business like selling on ebay may sound like the best thing to do. But when it comes to buying wholesale for ebay, you might not have many options to choose from.
Buying wholesale for ebay is a problem for most of those people who are new in the selling business on ebay. New comers have to face intense competition from the people who are already on the ebay and also those who are selling the same product as you are. But they are selling their product on a lower price as compared to you. In this scenario it is very difficult for the new comer to sell his goods and to survive in the market. Buying wholesale for ebay is one of the best options for you to make profits and to compete in the market of ebay.
This is the best option for all the people who are selling on ebay or they are thinking about selling on ebay. Then buying wholesale for ebay is the best option for you to survive in the market and to rise as a successful seller on ebay. It is also important to find a good product to tell. Not everyone can sell just anything. If you have good marketing skills then it might be possible for you to turn anything into a sellable commodity.
You can use your this advantage to make more sales. Buying wholesale for ebay will also enable you to offer the goods at a lower price as compared to your competitors. This way, you will make more profit by selling more goods on ebay. When buying wholesale for EBay you should keep another thing in mind that as you increase the number of items for the bulk buys the price per unit item drops.
Also the beginners should not decide to buy a product without comparing prices offered by the various dealers. Sometimes the prices by different dealers of the same product vary. Also beware of the extremely low prices. Also try to build a good repute among your customers to make them keep visiting your page for your next product.
This way, you will make more profit by selling goods on ebay because your cost of goods will be less than other which will help to sell the goods at a competitive price and you will not have any problems by doing so.
You can also consult Salehoo Review which is a very popular and reputable wholesale directory to start buying Wholesale for EBay.
Orignal From: Buying Wholesale For Ebay-Buying Wholesale For Ebay To Gain More Profits
Discover How You Can Succeed At A Home Fitness Program
Due to the recent changes in our economy, people are changing their perceptions on how to get fit. Fewer people want to take out expensive gym memberships and more and more of those who have memberships are letting them expire. People are starting to become increasingly interested in ways to get fit without spending lots of money.
You may think that in order to have a great body and be fit you need to pay for gym memberships or splash out on the latest fitness fad. However, losing weight and getting fit need not cost you a penny! This can easily be achieved through the use of a home fitness program.
A home fitness program has virtually no cost! And there is a huge number of ways in which to work out in your home. Such as;
Walking or Running - This is a great way to build up your fitness and will cost you absolutley nothing
Yoga - This is easier than you think and once you know the poses and techniques you can practice anywhere
DVD Fitness Workout - These are a great way to get fit and often the instructor is very motivational and they provide a fantastic way for you to learn to get fit. A number of people feel more comfortable doing a DVD workout in the comfort of their own home than joining an exercise class full of people.
Circuit Training - This is probably the best way for anyone to get fit. There are many variations on this type of exercise but it basically involves a mix of press ups, sit ups, squats, lunges, star jumps, skipping and sprints. You can develop your own circuit by looking at several sites on the internet for guidance.
Training with Weights - Weight training is a great way to define muscles fast and speed up your metabolic rate. The exercises are generally quite simple and to start off with all you will require is a set of dumb bells. You can look at the many muscle building sites to pick up tips and new exercises as you progress.
Boxing - You can purchase a punch bag and gloves off many internet sites today at a reasonable cost. Boxing is a great way to lose weight fast and build up your stamina. You can alter the routine to suit your changing goals. Tips and new techniques can be picked up for free from interenet sites and blogs.
You might think it will be more difficult to get motivated at home but read the tips below on how to get the best out of your workout and how to succeed at a home fitness program.
Be Prepared. Always have whatever you are going to need for your workout ready the night before. Whether it be your clothes, running shoes, water bottle, towel, pre-workout snack etc. Being ready in advance makes it more likely you will actually do your workout.
Start off Slowly - At the beginning your goals should be realistic. Setting yourself goals that are achievable will help to increase your motivation and keep you on track. Once you build up, then you can set more ambitous challenges and targets. Setting too high a goal when you first begin is more than likely going to damage your motivation and knock you off track. Stick with achievable goals and stay on course with your home fitness program.
Have a Exercise Partner - Ask a friend or your partner to take part in your exercise routine. They can be great company for you and will also be a great motivator. Asking someone to come along will not only encourage you but you will be helping someone else to get fit too. Or if you are walking, jogging or hiking taking your dog with you is great company.
Change Your Workout. The choice available when working out at home is endless. You could go for a run one day, do a yoga DVD the next and challenge yourself with a boxing workout later in the week. Changing not only keeps things interesting for you but helps to keep your body burning up those calories.
From reading these tips I hope you can see that a home fitness program can be a great way to lose weight for little cost to you. You can change things as much as you want and always find something new to keep you interested.
Want to find out more about successfully losing weight through a home fitness program, then visit Steve Roberts's site on how to choose the best home fitness program for your needs.
Orignal From: Discover How You Can Succeed At A Home Fitness Program
How social media can help Real estate Agents to promote their business
Nowadays, social media is being used by almost all professionals from different fields to promote their services, communicate with their clients and other experts from the industry, as well as stay tuned with the recent technologies and recent news related to their specific business.
Realty professionals, in specific, are maximizing the usefulness of some of the major social media tools in meeting their goals and objectives. They are now able to communicate more effectively with their clients, colleagues, and other field experts, by utilizing the different features and tools available online. Now, they can also have a quick access to all vital information that can help them to establish their position in the market and bring in more sales from loyal clients. Different ways through which social media can be useful for realtors:
* Acquiring updated information and reaching out consumers and clients
Realty professionals can use social media to continuously stay connected with their target audience. Facebook, Instagram, Twitter are some of the most popular social media platforms that allow professionals to communicate with their clients and associated partners at anytime, anywhere. Now it has become simpler with easy access of such social media platforms on mobile devices. One can establish good relationships with their clients in much effective way, as well as communicate with them easily by being readily accessible. Many of the clients might want to work with a professional who truly understands their requirements and offers quick responses and best solutions for their own unique problems. As this is the era of the digital age, there could be nothing better or faster at passing on information than going online.
* Establishing a social engagement
This could be one of the major benefits that social media platforms offer. Social media could be the ideal way to join activities and communicate, both on personal and professional level. With so many approaches and features offered that can keep the target clients interested, such as having chats and conversations, hosting contests, sharing links and other forms of media. Social media networks enable real estate professionals to communicate with their clients from all over the world. Moreover, branding and advertising has become much easier as realty agents and experts can make their own profile, displaying their experience, objectives and background. They can easily upload photos of their recent projects, post articles and blogs, as well as tweet special offers and activities related to their venture.
* Establishing position
It is crucial to draw the attention of target audience and turn them into potential leads. This could be possible if there is a very appealing and informative profile. Real estate professionals can invite more clients to their business website by creating good quality content. The best way to do that is to include attractive photos, provide useful links to make the posts visually more appealing. The aim should be to create a solid standing in the market to get more recommendations from previous clients.
Real estate professionals should therefore include social media as part of their overall marketing strategy to ensure long term benefits. Having a catchy portfolio and being readily available to everyone through social media platform would help to make more connections, more enquiries from clients and eventually more sales. Harji Realtors is one of the leading real estate agents in the region of Chandigarh, Mohali and Kharar. For more information on great deals in Sec 74 A Flats and the best Houses in Mohali check out our website
Harji Realtors is one of the leading real estate agents in the region of Chandigarh, Mohali and Kharar. For more information on great deals in Sec 74 A Flats and the best Houses in Mohali check out our website
Orignal From: How social media can help Real estate Agents to promote their business
How To Start A Law Firm - Start With Marketing Yourself Online
Hopefully, if you are thinking about starting a law firm, you have considered what marketing techniques you plan on utilizing. From there, you should also have realized that marketing yourself online is imperative to the success of any business, especially if you are starting a small law firm. If you don't know where to start on your internet marketing, here are three tools that are the cornerstone of any online campaign.
1) Create a website.
The first weapon in your internet arsenal is the website. There really is not excuse not to have a website, especially with all the options out there in terms of cost, content, and simplicity. In other words, if you are an attorney starting a law firm, whether a Maryland criminal defense firm or a Virginia family law firm, you must have a website. It is the one place where people can always turn for information on you and your firm.
I see a lot of websites out there that are just one page, with a simple attorney bio and practice areas. This is not a good website. Your website needs to have a lot of information, and it needs to be spread over many pages. Additionally, each page must have good content and must contain your keywords (for example, Maryland DUI attorney). Search engines, such as Google or Yahoo, like keyword rich content.
But it isn't enough to just have a website with information on it. You also need to tell visitors what to do when they visit your website. As the owner of a law firm, you want people who come to your website to contact you and set up a meeting to discuss their legal issues. So you should a) tell them to call you, email you, visit you at the office; and b) make it easy for them to call you, email you, visit you at the office.
2) Establish a blog.
You should also have a blog for your thoughts. Blogging is even easier than creating a website, especially because there are numerous free sites out there that let you sign up instantly and create one. All you need is an email address.
In your blog, be sure to include things that are relevant to your law practice. For example, if you are a DC DUI lawyer, then create a blog post about traffic stops, another one about field sobriety tests, and the list goes on. If you also practice Maryland divorce law, start two blogs.
Blogs are an easy way to put the proverbial pen to paper and provide expertise that is easily searchable. Additionally, you can optimize your blog so that the search engines recognize your keywords (relevant to your practice) are contained in your entries. Over time, the blog will become more of an authority on its subject and will become a powerful tool in your internet marketing campaign.
3) Write an article.
The third part of an effective internet marketing campaign is to write articles for article directories. These are places where people can go and pick up your article for free, as long as they give you credit for the article. Writing articles is a great way to establish yourself as an expert in your niche.
But you don't have confidence in your writing ability? Nonsense, I say. If you can't write, you need to think twice about starting a law firm, especially a solo practice. Just start with writing about something for which you exude a lot of passion. From there, each time you write an article it becomes more second nature. If nothing else, just write stream of consciousness articles, that you can go back and edit later.
Look, you need to do a lot more than these three things to establish yourself online. In other words, just because you have a website, a blog, and a few articles, doesn't mean you are going to get noticed and that your internet marketing is going to work. But if you are looking at how to start a law firm, and specifically how you are going to market, you have to start with these three things. Otherwise you have no chance.
Want to find out more about starting a law firm, then visit my site on how to start a law firm for your needs.
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The Secret to Finding Cheap Auto Insurance Quotes
Insurance companies know that people always seek to cut costs by buying car insurance with low premiums. The companies therefore use cheap auto insurance quotes to lure customers. However, before you actually buy car insurance, you need to have a clear picture of the exact amount of money you will be spending on your car insurance. This is because the initial cheap quotes you get may change with time, depending on various circumstances like having an accident, moving residence (which may raise your premiums) and so on. Additionally, failing to understand the fine print may prove to be very expensive in the long term.
The secret to finding cheap auto insurance quotes mainly lies in having information that is as accurate as possible. When comparing the quotes from different companies, make the effort to ask for all the details, including the hidden charges before making your decision. This can save you a lot of headache later. If you are not sure, ask for recommendations from colleagues who know the insurance companies and their products well.
When buying your car, do your research first in order to have an idea of what rates are charged for different car models. You will realize that insurers normally rate the vehicle makes based on statistics like which cars are at a higher risk of being vandalized or stolen, how much they cost to repair and so on. Flashy, sporty cars and other models classified as having a higher risk often attract higher premiums. Taking defensive driving course can also help bring down car insurance premiums. Also, remember that installing safety devices will lower the car's insurance premium and help you find cheap auto insurance quotes.
When you are looking for cheap auto insurance quotes, find out about discounts that insurance companies offer and take advantage of these. Sometimes these discounts are not that obvious and all you need to do is ask. You are more likely to get discounts if you have a good credit score, have a clean driving record and are 25 years and above.
If you own more than one car, consider including all the vehicles under one policy in order to get cheap auto insurance quotes. Some insurance companies also offer group discounts to people taking insurance as a group. For example, insurance cover which employers buy for their staff, professional organizations or clubs buying insurance for members in the group.
Nowadays, it seems that cheap auto insurance quotes are hard to come by, but at Cheap-Auto-Insurance-Today.com, it can be a reality. This valuable, convenient website has combined the ability to not only learn ways to make the insurance shopping experience easier, but also gives you the opportunity to get quotes, no matter what state you're in. Visitors come from Florida looking for cheap auto insurance in Florida, and visitors even come from California to look for cheap auto insurance in California. Regardless of where you're at, Cheap-Auto-Insurance-Today.com can help!
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Injured? Everything You Need To Know About Personal Injury Law
One personal injury can really take over your life. In order to receive a monetary compensation for your injury, you will have to sue the people involved with your injury. There are a lot of attorneys out there and legal aspects of personal injury you need be aware of. Read the following article to gain an insider view of the personal injury settlement process.
You need to provide your attorney with a detailed account of all the injuries that you sustained. Explain every injury, from simple cuts and abrasions to broken bones. Add bruises and bumps to your list of injuries. You may also want to consider any mental and emotional damage you have suffered after the accident.
Don't forget to include lost income in your claim. This means any lost wages due to being absent from work due to your injuries. If you were forced to miss school, you may be able to receive tuition reimbursement.
Look towards your friends and family members for advice on the personal injury attorney to choose. Make sure that they know someone who specializes in this field or who has successfully represented them in the past. This will give you the best chance for success in regards to your particular case.
Check the American Bar Association. You will likely need a good attorney when it comes time to file your case. The American Bar Association (ABA) is a great starting place. While they don't offer reviews or ratings, you can find out if a potential lawyer is in good standing or if he or she has had any disciplinary action taken.
When visiting a lawyer's website, navigate to the About Us section. This page will give you information such as the attorney's specialty, the location of their office and years in practice. Many lawyers also have a testimonial page. On this page you will be able to read about different cases from the client's perspective.
Ask your friends and family for personal injury lawyer referrals. There are countless personal injury lawyers out there, due to the large amount of money that they can make, but that does not mean that they are all good. If you do not already have a lawyer in mind you should seek the help of those that you know and trust.
Do not try to file a personal injury claim without the assistance of a great lawyer. There are too many things to know about personal injury law for you to navigate through it all without a professional. If you want to win the money that you should, you should definitely find a qualified lawyer.
Meet a few personal-injury lawyers before choosing the one for you. Choosing a personal injury lawyer is tough business. You need to find someone who knows the law backwards and forwards and who you can get along with really well. It's not easy. You'll want to meet with a few at least prior to making any commitment. This way, you'll feel more comfortable with your choice.
For those that handle the personal injury case alone, it's essential to find out the policies of those at fault. You might have claims against multiple policies. If you've requested and been denied information, you should get an affidavit to force them to turn everything over.
Look into previous cases that the lawyer has handled. There are many different types of personal injury law, such as medical malpractice, workplace injury or car accidents. Make sure that the lawyer you choose has experience and a good track record with the type of injury that you have. Large out of court settlements, or successful outcomes in a court case indicate that he or she is the ideal lawyer to take your case.
Gather the names and contact information for witnesses right after an accident. Your attorney may be able to contact these people to support your case. People sometimes leave the area or forget what they saw, so getting someone's information right then and there may be what helps you to win your case.
Don't let a company victimize you after you've suffered a personal injury! It is within your right to sue and receive compensation for your troubles. The following article has lightly touched upon the topic of persona injury. In order to ensure that you get a fair settlement, apply all that you've learned today for success.
I have been in 3 wrecks in my life, and I have used several attorneys so l know a lot about this topic. If you want to learn more, check out our website bestautomobileaccidentattorney.com, where we provide all kinds of information pertaining to car wreck lawyers. You will find a ton of information that will be very helpful. - Click here
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Maui Real Estate: Don't Get Left in the Dark
July 1st marked a big day for Realtors and potential real estate buyers as the Hawaii House Bill 1468 rolled into effect. The Legislature was passed in May of 2009, but took a couple of months to become fully effective. The law has a provision that states;
"Prior to the sale of residential real property, the property owner shall make a good faith declaration of electricity cost based on the most recent three-month period in which the property was occupied prior to the date of the seller's disclosure, pursuant to chapter 508D. This declaration shall only apply where the owner directly pays the electrical utility bills, and shall not apply in the case of a foreclosure of residential real property or where there are no electrical utility accounts associated with the property."
The Basics
All legal mumbo-jumbo aside, the bill basically states that sellers are now required to give a good estimate of what their last three months of electric bills were. The new bill could cause some frustration for sellers, once the buyers see just how expensive it is to live on the islands. But there are numerous reasons why this bill is coming into play at just the right time.
One of the biggest reasons that caused scrutiny over many lending agencies is that the loans were allowing people into homes based on the maximum they could afford. Doesn't make any sense? Sure it does. If you could only spend $ 3,000 a month for your house, based on your income calculations, you would most likely get pre-approved for that amount. Ultimately, you would also probably max out that monthly limit, getting the best bang for your buck when deciding on your new home.
How to Use the Bill
Here is where the finances come into play. The bank said you could afford $ 3,000 a month, but they didn't tell you that had to include water, electricity, upkeep, etc. So you have now spent the full amount on your mortgage without leaving room for additional necessities, like Air Conditioning and water. The new house bill allows homebuyers to judge if they will be able to afford, not only the house, but also the utilities that come with it. Here are three things to keep in mind when utilizing the new bill:
Usage - Everyone has different ideas of comfort. Some like to leave the air conditioning off and keep the windows open during a nice day, while others keep the air set at a frosty 68 degrees all summer long. There are also some who will turn every light on in the house while others walk behind them turning all the lights off as they leave the room. Since there will be differences in usage, do not take the amount as a solid figure.
Budgeting - Using the information provided from the seller, by way of the house bill, and keeping in mind that individual usage will vary, the buyer can still get a good estimate of what they need to set aside in terms of money for utilities. It would be a great idea at closing, and even before if possible, to ask the seller some basic questions about their electricity usage style to get an even better idea.
Goal setting - Face it, everything is going green these days and eventually, your electrical resources will be headed that way as well. Use the information gathered from the previous three months of electrical bills to start setting some goals to reduce the cost. Research and try different methods that can help reduce electrical costs, such as changing out your light bulbs or planting trees to help with shade. There are numerous things that can be done to reduce the cost of electrical utilities.
Instead of looking at the bill as just another law that has to be passed, look at the positive aspects such as being a large part in reducing your carbon footprint while at the same time keeping a firm grasp on your financial goals.
The Hawaii House Bill is part of a larger legislation, which is looking to increase the production and use of renewable energy on the Hawaiian Islands. As such, it is important to keep a grasp and firm understanding on the expenses of electricity as a consumable resource. No matter which beautiful house you decide to buy or invest in, there are always ways to improve it for future tenants or others on the island. See how much of a difference you can make between the purchase and sale of your Hawaiian home.
Volker Weiss - Maui Realtor(R/S) specialist focusing on Maluhia at Wailea . Make your vacation last forever, check out Maui Real Estate. For immediate help call: VW Real Estate - 2525 Omiko Place, Kihei, HI 96753 - (888) 572-6888
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The Role Of An IP Professional
Introduction
Intellectual assets are created when the thought processes of the human mind are converted into material form, either by reproducing them in writing or recording them orally or digitally. Intellectual assets which can be protected by law are termed Intellectual property (IP). Thus all forms of intellectual property are intellectual assets, but all intellectual assets are not intellectual property. Again intellectual property can be classified as 'statutory' intellectual property such as Patents, Trade Marks, Copyrights, Industrial Designs, Plant varieties, topographies of printed circuits, geographical Indications and 'non statutory' such as trade secrets, confidential information, trade dress, the equitable right to prevent 'passing off'.
What is an IP professional?
An IP professional is a person who firstly is able to recognize intellectual assets, is able to differentiate between an intellectual asset and intellectual property, and is able to classify an identified intellectual property into its various forms. Secondly, once an intellectual property is identified, the IP professional, such as the Patent Attorney or Patent Agent or the Trademark Attorney or Trade Mark Agent is able to provide cost effective solutions to fortify the intellectual property to the fullest extent possible. Thirdly, once intellectual property rights are obtained the IP professional, typically an IP manager, optimally manages these rights by timely renewals, periodic audits, being alert about breaches, extending the rights to other countries and products or services. Fourthly, in the event of a breach of these rights which may be in the form of infringement, piracy, counterfeiting, passing off or violation of the terms of an agreement, again an IP professional, typically an IP litigator - is able to advise the intellectual property right holder on the best possible solution not only to seal the breach but also to prevent its recurrence in the future. Another class of IP professionals are involved in IP transfers. These professionals generally lawyers help in negotiating and preparing the documents needed for the assignment or license of IP rights from one person to another often from one country to another. The IP professionals are also responsible for supervising due diligence of the IPRs being transferred. Finally for identifying new technology and progress of an organization, again an IP professional such as a Patent Analyst or an IP researcher is able to conduct searches in these areas, map the search results and provide danger free unhindered routes for future growth. Therefore, IP professionals assume several roles in the furtherance of the commercial and technological progress of an organization. It will be appropriate now to examine the qualifications, skill sets, functions and responsibilities of IP professionals in each of these roles.
At one end of the scale we have the Analysts and Researchers. These professionals fall in two distinct verticals: the legal and the technical. In the legal vertical the IP analyst and researcher analyzes and researches IP case laws and precedents to identify specific issues in legal proceedings. For instance, in the field of Patents, specific legal issues relating to patentability and inventive step with respect to particular jurisdictions like the USA or Europe or India may be required to be researched or analyzed in a specific case. Again the exact interpretation of the sections of the Law in specific jurisdictions may be needed so as to be able to manufacture, export or import a product. Legal researchers are generally lawyers and part of Legal processes Outsourcing firms [LPO] On the other hand technical research and analysis involves study of patent and non patent literature to determine where an organization faces infringement, where modifications or adjustments in technology may be needed to avoid infringement. The technical researcher is generally an engineer or post graduate in the field being researched or analyzed. In both cases the analyst and researcher is also equipped with knowledge domain, knowledge of internet databases and of the tools for searching and mapping generally as part of a KPO. i.e. a knowledge process outsourcing firm.
The next IP professional is the IP prosecutor, typically a Patent or a Trade Mark Agent. These professionals are often referred to as IP Attorneys or Trade Marks and Patent Attorneys. These professionals assist enterprises in identifying their IPs, in consultation with in house IP managers, preparing the documentation necessary for obtaining and securing the Intellectual property right and prosecuting the application through the maze of administrative and bureaucratic rules and regulations set up by each country for the grant of these IPRs. In the field of Patents the IP professional is expected to have expertise and qualification in the Patent system of the country in which he practises at the same time he/she is required to be technically qualified in the field to which an invention relates. The patent specification which leads to the grant of the Patent needs expert techno-legal skills so that the rights which are granted are sturdy and well fortified and can withstand the onslaughts of the market place. In countries, such as India, the IP prosecutor also needs to have argumentative skills to argue proceedings before the IP office. In the field of Trade Marks, the IP professional such as the Trade Mark Agent, is a person qualified under the Act of the Country and needs to have basic skills to identify protectable trade marks, classify the trade marks to be protected into appropriate classes and argue matters before the IP office of the country. The IP prosecutor may or may not be a lawyer, but he also generally directs the work of the IP analyst and researcher assists the IP litigator in counselling and opinion work.
Finally at the other end of the scale is the IP Manager. The IP manager is a corporate assignment and therefore the IP manager is generally attached to one enterprise or a group of enterprises, although recently a few independent IP management firms have set up shop. The in house IP manager acts as an interface between the enterprise management and the other IP professionals in connection with the IP of the enterprise. On the other hand the independent IP management firms involve themselves with tasks such as IP brokering, [bringing together IP owners and investors], IP Audit, due diligence of the value and validity of the IP which is sought to be transferred. The IP manager usually has some qualification or experience in management administration, typically marketing or finance in addition to legal qualifications [which are optional].
The high profile IP professional is the IP litigator involved in trial work through various tiers of the Courts in the Country. The IP litigator prepares case papers and arguments either in support of the IP holder or in the defence of a Patent, trade mark, design or copyright infringement. The litigation may be in the nature of a civil suit or a criminal case and it may be involve the original trial or the appeal. The IP litigator is generally a well experienced lawyer and often is part of a team of lawyers. The IP litigator must have in depth knowledge of the rules of procedure of the court in which the litigation is proceeding and have persuasive skills of argument and cross examination. The IP litigator is supported by both the IP prosecutor and the IP analyst and researcher.
Dr. Mohan Dewan, IPR Attorney from R. K. Dewan & Co. Get complete information on the role of different IP professionals such as trademark attorney , patent and IPR attorneys.
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What should a Worker expect at Worker's Compensation Trial?
Most of the Workers' Compensation cases get resolved by settlement. Only the workers' compensation cases in dispute are needed to be resolved through workers' compensation trial. According to an estimate only 5% of the workers' compensation cases go for a trial.
What to expect at a Workers' Compensation Trial?
A workers' compensation trial is referred to as 'hearing' but the more accurate term used in case of workers' compensation is 'evidentiary hearing.' The employee needs to provide admissible evidence on the contested issues. And if the employee fails to provide required evidence, there are the chances of losing the case. So the employees should go for pre-trial preparation with the attorney.
It is crucial to keep in mind that the role of an administrative judge is to rule on objections, review the evidence and decide the case or provide ruling after trials. He cannot assist you in preparing or presenting evidence. So you need the help or services on a certified and experienced Workers' Compensation Attorney for:
Preparing your evidence
Presenting your evidence
Explaining the Rules of Evidence
Evidentiary Hearing can further be divided into two categories:
Hardship Hearing: Hardship Hearing is requested by the employee's attorney when there is a dispute about the medical treatment, payment of temporary total disability benefits or both. Judge usually issues a "temporary or partial award "for hardship hearing; meaning that judge makes ruling on certain issues but case remains on judge's docket.
Final Hearing: A 'final hearing' is an evidentiary hearing requested by either of the parties when all of the medical treatments have been concluded and both the parties have prepared their medical evidence and other expert evidence for the evidentiary hearing.
Decision of Court:
The decision provided by court after the evidentiary hearing is known as 'award.' An 'award' is similar to a judgement in circuit court. It is called an 'award' even if the employee receives no compensation.
What type of evidence is needed to be provided by an employee?
An employee needs to provide the following evidence:
Testimonies of the employee and other witnesses
Medical evidence including certified copies of medical records and testimonies of doctors
Doctor can provide a deposition and testify during hearing
Doctor's reports (if needed)
After the employees have presented the evidence, the employer/insurer will also present its evidence. They also provide medical evidence in the form of certified medical records and/or physician's testimony. Everything said during the evidentiary hearing is recorded by the court reporter and all the exhibits for identification are marked.
After all the evidence is presented, the judge may allow both the parties a short period of 21 days or less to file 'briefs.' 'Briefs' are the written statements pertaining to facts and the law and refuting each party's position as to how the case should be resolved.
The 'award' is issued as soon as the administrative law judge has reviewed all the evidence and considered the 'briefs.' According to the law, the 'award' should be issued within 90 days of the last day of hearing. The award is mailed to the employee, to employer or insurance company, and to all the attorneys in the case. An appeal can be filed on the 'award' by any of the party.
Contact Law Office of Andrew S. Kasmer, if you need legal counsel and expert representation for workers' compensation trial. Our dedicated attorneys will offer you aggressive and personalized representation and will help you to get what you deserve.
At the Law Offices of Andrew S. Kasmer, P.C., we are dedicated to providing each client and case with aggressive and personalized representation. Your needs are always our first priority. Whether you come to us with an Personal Injury or Workers Compensation Case need our help with a Criminal or Traffic matter, we are here to help you in your time of need.
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ORANGE, 1971 VAUXHALL FIRENZE HRT 715J
ORANGE, 1971 VAUXHALL FIRENZE HRT 715J
Hall 12 - The 30th Lancaster Insurance Classic Motor Show, NEC 15-17.11.2013
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Wedding Decorations Wedding Garden Party Supplies Performance Photograpy Props Umbrella Lace Hand Made Vintage Mood Bride Sunshade S005
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The Inside Secrets Of Dental Insurance
If you are shopping for health insurance, one of the questions many people have is whether or not it includes dental. A health insurance plan that covers dental is the hallmark of a wonderful plan. If you've got coverage for dental, then you know you've got something good. However, many people don't really understand the inner workings of this specific kind of coverage, and why some carriers don't include it. In this article, you'll learn everything you need to know about dental insurance.
First of all, you need to understand that insurance is generally designed to pay for things that are unexpected, and that you hope won't happen. But with coverage for dental, most people feel it's necessary to see their dentist at least a couple times a year for a general cleaning. So right away, you are buying insurance for something that you know you are going to use. This put's dental benefits in kind of a halfway location between a regular service, and something covered by insurance. For this reason, dental insurance can get pretty expensive.
It used to be possible to get this kind of coverage together with regular health insurance, but that is becoming less and less common. Insurance companies are increasingly trying to cut costs, so you will have a hard time finding normal health coverage that includes dental. If you want dental coverage, you are going to have to purchase it separately.
Depending on what level of coverage you get, it's going to cover different things. Generally speaking, it won't cover elective surgery or cosmetic surgery. You may get a couple cleanings per year, and any coverage for any unexpected dental work including cavities and fillings.
If you want something like teeth whitening, or braces, then you will likely have to pay for it out of your pocket. These are considered cosmetic, and aren't likely to be covered by any insurance plan.
Unless your teeth have been smashing in by an auto accident, getting orthodontist work is not likely going to be covered. This may differ from carrier to carrier, but getting your teeth straightened out for purely cosmetic reasons is generally not going to be included in any dental plan.
You can certainly get dental coverage for your whole family, as this will save you a lot of money. Any time you enroll a group of people onto an insurance plan, you are effectively getting a group rate, which can help tremendously.
So now you know a little bit about dental dental benefits, you are ready to get out there and do some shopping. Just take your time, understand the various policies, and find out what's best for you.
To find out about the best insurance available, take a look at oxford health insurance.You'll find out why this is so popular when you visit the oxford health insurance page today.
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Insurance Glossary of Terms
Assured - Those insured under the terms of an insurance policy.
Benefit - The money paid to the policyholder when a claim is made.
Bid Price - The selling price or cash-in value of your unit holdings.
Bonus - Relates to a with-profits policy. The amount of money added to the benefit payable under the policy. The amount is dependent upon the profits made by the insurance company. Added bonuses cannot be taken away.
Convertible Term Assurance - A term insurance policy which gives you the option to convert your current policy to a whole-life or endowment insurance policy, without having to take further medical examinations.
Critical Illness Insurance - A policy that pays out a lump sum on the diagnosis of life threatening illnesses indicated in the terms of the plan.
Decreasing Term - A form of term life insurance where the death benefit decreases each year as per your policy. Premiums remain level. This type of certificate is frequently sold as mortgage insurance. There is no surrender value for this policy.
Endowment Insurance - An insurance policy that pays a stated amount at the end of a specified period or upon the death of the insured if it occurs within that period.
Family Income Benefit - Term assurance which pays money to the life assured's dependants for a set period, rather than paying a lump sum.
Guaranteed Bond - A bond in which principal and interest are guaranteed by an entity other than the issuer. Guaranteed Bonds can be income or growth.
Increasing Term - The cover and the amount you pay into the policy are increased by a specific percentage each year calculated on the original sum insured. Designed as a way to increase your life cover as your earnings increase.
Investment Bond - Combines investment with some life cover. The payments you make into an insurance policy or investment bond, usually a lump sum, are invested in the insurance company's with-profits or unit-linked funds (Life Funds). Different types of bonds include the guaranteed bond and unit-linked single premium bond. Not to be confused with a company or government bond, an investment that offers a fixed rate of interest and an area where your chosen Life Funds may be invested.
Life Fund - This usually refers to Unit linked Investment Funds. These are funds run by Life Assurance or Pension Companies. Such funds are used for individuals holding life assurance policies to invest in. The assets held within the fund are divided into a number of units. When an investor contributes to a Life Fund, units are allocated to investors in proportion to their investment.
Maturity - An agreed date when an endowment policy ends and the proceeds, including any bonuses, are payable.
Mutual - A life insurance company that is owned by its with-profits policyholders.
Offer Price - The price at which fund units are bought.
Premium - The amount of money paid into an insurance policy.
Proprietary - A life insurance company that issues its profits to its shareholders.
Qualifying Policy - A life assurance based savings plan that has to be written for a minimum of 10 years and must fulfil certain qualifying policy criteria to ensure the final payout is tax free.
Renewable Term - Term Insurance that may be renewed for another term without evidence of insurability.
Single Premium Policy - Where a single lump sum is paid for an insurance policy.
Sum Insured - The amount of money that is guaranteed to be paid under an insurance policy, before any bonuses are added.
Surrender Value - Not applicable to all life insurance policies. The amount that an insurance policyholder is entitled to receive when he or she discontinues coverage
Term Insurance - Provides policyholder with protection only. Life insurance payable to a beneficiary only when an insured dies within a specified number of years (the term). If you live beyond the term you do not receive any payment. This is thought to be the cheapest type of insurance.
Terminal Bonus - This is an extra bonus determined when a death or maturity claim is paid. Terminal bonus is often only paid if the policy has been in-force for a minimum number of years at claim time. The amount is dependent upon the profits made by the insurance company.
Unitised With Profits Fund - Also known as a Unit-Linked With Profits Fund. A type of Life Fund that can invest in UK and overseas shares, property, fixed interest securities and cash. When you invest in this fund through an insurance policy, you buy 'units'. When an annual bonus is declared, you can either receive more units or it is added to the unit price on a daily basis. Due to the addition of bonuses the unit price does not reflect the value of the underlying investments.
Unit-Linked - Also called Unitised. If your insurance policy is unit-linked, some of your money is used to purchase 'units' in a fund. The value of your policy at maturity is dependent upon the growth of the fund in which the policy is invested. Generally refers to policies that offer protection and saving such as endowment insurance, whole life insurance and investment bonds.
Unit-Linked Single Premium Bond - A single lump sum life insurance policy where your investment is spread over a number of Life Funds.
Whole Life Insurance - Whole life insurance provides a death benefit for the policyholder as it builds up cash value. The policy remains in force for the lifetime of the insured, as long as premiums are paid according to the policy agreement. You can choose insurance that pays out on death a guaranteed sum only, the sum plus any bonuses that have been added, or the sum plus any additional value from the growth of the funds invested in.
Without Profits - When a policy reaches maturity or the policyholder dies, the amount paid out is the basic guaranteed sum only. You would not be entitled to any bonuses.
With Profits - Relates to insurance policies that combine investment with protection. This type of policy is entitled to a share of the profits made by the insurance company. Premiums are invested in the with profit fund, reversionary bonuses are applied usually on an annual basis which reflect the investment growth of the fund assets. On death and/or maturity a further terminal bonus might be applied to the fund value.
With Profits Bond - An insurance policy where your lump sum is in most cases invested in a Unitised With Profits Fund (which is listed under the Life Funds section).
First Hand Insurance are Life Insurance (http://www.firsthandinsurance.com/Life-Insurance.php) and House Insurance (http://www.firsthandinsurance.com/House-Insurance.php) specialists in the UK.
This article comes with reprint rights. Feel free to reprint and distribute as you like. All that we ask is that you do not make any changes, that this resource text is include, and that the link above is intact.
This article comes with reprint rights. Feel free to reprint and distribute as you like. All that we ask is that you do not make any changes, that this resource text is include, and that the link above is intact.
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Selling On EBay For Profit
Selling on eBay is a pretty good work opportunity from home. It can be considered as a serious money making option. It is one of the largest online market place around the world and an intelligent person can start this selling business quite smoothly from home.
No investment is required at all to start all you need is a computer with Internet connection is sufficient. Each and every single household has some old things that are no longer used. You can start your home-based business from there.
We always want to get rid of these unused thing to keep our house clean. But, you can make some great exrta income by selling these items.
This old and used stuffs may be useful for some other guys. So anything, yes anything under the sun is sold on EBay. This is a opportunity filled with total fun as any object you place on sale, will be auctioned. If the object you put on sale is old but rate, you can really make a huge amount selling this old product. Now isn't that exciting?
Mostly people can sell books, cloths, electronics items, and various accessories. A person wants to sell items just need to log on to the site and register. The sign up process is also hassle free and fast. Once registered, you can start selling your items.
But one can use a professional approach and start selling new items also. Being popular worldwide a product placed for sale will get maximum attention. Similar to any other business selling items requires some careful research and understanding of the concept and working nature of it.
It is always recommended to perform an extensive research before you put your products on sale. Some important factors are needed to be considered before putting a product in up for auction. Be very careful to choose the exact type you want to sell. Household products may be your best bet when starting your selling venture.
Once you are sure about what your're going to advertise, it is time to search the number of auctions in that particular category, number of auctions resulting in sale, average number of bids per auction, list price and sale price on an average basic. In order to get an in-depth idea, one needs to research both active auction and completed auction listings.
You need to apply analytical approach with logical frame of mind to be a successful. So start researching on EBay and take the right decision at the right moment.
Article by Jayden Harris owner of Home Job Alert a FREE work at home job service. Over 2,500 companies listed. Visit us at http://www.home-job-alert.com
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The Wonderful Use and Advantage of Property Management Software
With the fast rising computer technology today, expert programmers have designed a number of software for every task including property management. These programmers have developed software programs that allow us to manage jobs the more convenient way such as word processing, data analysis and more. Also, for the convenience of property owners, managers and land lords, expert programmers created property and real estate programs that handle daily property maintenance and rent-related accounting tasks.
The use of property maintenance software is essentially useful and helpful since one of the major responsibilities of land lords is maintenance management that usually takes lot of their time. As a property manager, one should be aware that rent collection and management costs require a substantial amount of accounting. That type of job can be efficiently handled by a property maintenance software that features accounting components that manage rental accounts associated with tenants. Moreover, there are property maintenance service providers that offer land lords and managers online rent account management. Collecting rents from tenants can be simply accomplished with online payments which are managed by these services. And with these software programs, land lords can perform tenant background checks. The best thing about these programs is also because they offer a wide range of features that cater to your specifications.
Your budget is one of the most important considerations when you're opting to use a property and rental management software program. Usually, the software rate depends on the number of tenants and properties that you plan to handle and supervise. Because the bigger the number of tenants and properties you have, the bigger the costs it would take. But, keep in mind that there are available property and rental management programs for free in the internet although they often have limited features. Another essential consideration is your requirement and specifications. If you fully need a property and rental management software, all of the maintenance features in them will be unnecessary. So, it's best to initially know your exact specifications and requirements from the software. Furthermore, remember to check customer reviews and testimonials as well.
Today, there is a wide range of excellent property and real estate management software programs available in the market and you can go for the best one that's suitable for your needs such as Buildium, Property Ware, AppFolio Property Manager, Rent Manager, Property Boulevard, Rentec Direct, SKYLINE Software, MRI Commercial Software, Total Management, TOPS Software, IBS 10.0i, Store Advantage and Store Enterprise, Axxerion, ComVibe and Property Manager Cloud. These programs are one of the property maintenance software that can assist you with your property managing needs.
Reynen Seville writes tips and other informative articles about property management. If you are interested to learn how you can get more profits from your real estate rental business visit MN property management.
Orignal From: The Wonderful Use and Advantage of Property Management Software
What Makes You Successful in Network Marketing?
When I was in Malaysia conducting many hotel presentations for my home business with a network marketing company, I received many similar questions about "What is your killer product?". Not products that can kill you, of course. What they meant was, show them a product that would cure cancer, for example, such that every cancer patient in the world would be lined up at their doorstep, willing to pay every penny they own in return.
I don't have such products and believe there is no such a magic pill at the moment. However, I have very high quality degenerative disease prevention products.
People who want financial freedom spend their time endlessly researching various opportunities, companies, products and the compensation plans. While this is important, it is done in an incorrect order.
If you want to guarantee your success with USANA, Manatech, Herbalife, Agel, Xango, Synergy or any other network marketing company, there are only three essential factors to consider, each in its correct order.
Factor # 1: Make A Decision To Commit
Whether or not you have drive and desire will primarily decide your success.
You need to commit for the long term in building a network marketing business. Understanding that network marketing is a business model designed to accrue value and net worth over time is important.
Our bookshops are filled with books by the richest, most influential and successful people of our time teaching you how to get rich. Believe me, all of them have invested in themselves and made sacrifices to get to where they are today. They don't mention it because either they forgot all about it for it has happened some time ago or they think that it is just common knowledge. If you've studied any successful entrepreneur, you'll see that they worked harder than anyone. Regardless of what anyone tells you or what you believe, you'll have to do the same. There are no hand-outs.
That doesn't mean you won't make a substantial amount of money in a short period of time. You can very well do that.
Then, why is it that most people continue to be slaves for money working 70 hours per week?
Do you know that most of us were conditioned to believe that if we went to school and got an education, we would get a job in our chosen field, work for 40 years, climb the ladder of success, and then retire in comfort? How nice?
Unfortunately, that is not how it usually works out nowadays. So, you better be the first to start in your generation so that you can either share or leave this legacy to your kids. You can lead them to a better position to look after themselves and their future families.
On the other hand, there is no such thing as a 'get rich quick' scheme or rewards without effort. If you come across one, it is most likely a scam. At the minimum, you still need to play a part in bringing your customers to the pool and they must purchase something in order for you to earn the money. This is just a fact of life. Revenue is generated when a sale is made and you get commission based on sales.
Are you looking for a hand out in your network marketing business? Deep down inside, are you hoping someone or some system will do all the work for you? If you are, then let me save you loads of time and money and plead with you not to start a network marketing business.
Don't let anyone fool you into thinking network marketing is a get rich quick program. It is not. It takes time to build up a passive residual income.
More than any other business, network marketing is a relationship business. Therefore, we are working with people all the time. People are unpredictable. We don't know who will put in effort and duplicate and who will not. This is why most companies talk about network marketing as a numbers game. You have to recruit enough people until you have some coachable business builders who will expand your business.
Does this sound like get rich quick scheme?
Thus, building a stable residual income stream takes time, consistence, persistence and patience to enjoy the time and financial freedom you are seeking. You are in for long haul.
That is why your 'WHY' is so important. How bad do you want this? Why do you want it?
Too many people join my team saying "I'll give USANA a go". I have learnt to turn these bad eggs down because they are wasting my time which I can never gain back.
Do yourself a favor. If you're planning to just try network marketing, you may as well not start. Also,in this business it takes the tenacity and professionalism to earn the six figure income. You have already decided the outcome by having little faith in yourself and unwilling to put all the time you got left to learn the business. Mind you most people lack of self-confidence when they start but because of their 'Why' which gives them the determination to learn to move forward.
Do you know your 'WHY'? You must expect success. Make a decision that financial freedom is something you deserve and you will do whatever it takes to get it. Whatever skills you lack, you're going to learn and each time you fall you'll try again.
Factor # 2:
Partner Up With The Best Leadership and Marketing Team
If you have integrity, you will commit to your dream. But how will you get there?
Honestly, this is not a million dollar question. Lots of people have come through successful. The formula is well-known but the ways to apply the formula can vary.
There is no point going to Uncle Bob who works hard all his life to ask for advice on how to get rich. He doesn't know the formula. If he did, he would be financially free too.
Warren Buffet and Randy Gage who are both very successful people in their arena, said "Never ask for financial advice from broke people". Personally I think it is an excellent piece of advice.
You need to find a team of network marketers who have achieved financial freedom for themselves and learn their ways of the success formula. So partner up with someone successful who has the result you want.
It is leadership and marketing that sell products and build down lines. Thus, it is important to ensure that there is a simple system in place that gets you earning money early on. Be careful here, many leaders use the company business development system alone with their new associates. Their system consists of contracting everyone you know and when you finish talking to them, they encourage you to buy cold leads at $ 5-$ 20 a lead, pass out flyers, advertise on local newspapers, hang signposts, do mailbox drops, etc.
These methods can work but they are costly and time consuming. Most new associates spend themselves out of business before they could learn new skills. But hey, if that is something you want to do, its alright.
Otherwise, make sure you ask the leader what kind of system they have in place to generate leads and what it will cost you. I highly recommend joining a team that is internet savvy and uses both the traditional and internet-based marketing models to generate leads.
Factor # 3: Choose the Right Company
Notice this is the least important factor. You could have an excellent product, the best compensation plan, the cheapest startup cost, no monthly volume requirements and etc but if you don't work with a team who know how to market, you will have to learn on your own.
Let's face it, working from home takes discipline. It takes getting off your butt and taking action even if you don't earn a paycheck today. It takes seeing the bigger vision of where you are heading and having faith to stay the course. It is pretty hard to work on your own especially most compensation plans in network marketing work best with team effort. Not only that, your willpower as an entrepreneur in the beginning may not withstand many challenges that you are going to face in any business. Hence, you do need team support and proven strategic marketing plan to execute.
When considering a company to partner with, remember the money you make comes from sales commissions until you attain a certain membership title level.Then you are entitled to receive leadership bonuses in addition to your sales commissions. Until that time comes, focus on how attainable you are able to make sales and not waste your effort down the track.
There are hundreds of network marketing companies out there. How do you separate a winning network marketing company from the rest?
Here are a few tips to help you judge opportunities and choose the right network marketing business for you.
Financial stability:
You should look for a financially stable network marketing company that has been in business for at least five years. Network marketing companies, like all new companies, have a high business failure rate in the first couple of years of operation. If they are still in business after five years, chances are they will be in business for a long time to come.
One way to be more certain of a network marketing company's financial situation is to select a publicly traded company. They have to disclose their financial details to their national regulatory authority on a regular basis. You'll be able to review their financial statements and quarterly earnings reports so that you can judge their financial stability. Remember, if you are going to get paid, the network marketing company needs to be solvent!
The right product or service:
What kind of products or services is the network marketing company offering? To successfully sell a product it needs to have its own unique selling point and be something that you would use and believe in. For example, there's nopoint in joining a networking marketing company which specializes in car products and you are not interested in those products.
Make sure that the products and services offered are something that a large proportion of the public needs or will want to purchase repeatedly month in and month out. For you to earn money there must to be a good ongoing market in a growing industry for your product. The best products are those that are consumed or used up, because they generate repeat sales. Ensure that similar items are not available in retail stores. There's no strong reason for anyone to buy products from a network marketing company if they aren't unique or better in some way.
The right marketing system:
Examine the network marketing company's marketing strategies. Do you have to sell items door-to-door? Does the network marketing company have high quality marketing materials that are good value for money? Are you permitted to generate leads through internet marketing?
Some network marketing businesses have developed a system and tools you can use to generate sales. These can include simple ads, catalogues and the internet. They're far more time efficient and less draining than the hard slog of door knocking, or contacting every acquaintance in your address book.
In summary, if you have the discipline to grow, learn, and not quit, you will succeed. Isn't this true with anything else in life? No one is going to create success for you. No system is going to create success for you. You are the only one who can work with a system to create success in your life.
Jackie Khor is a leader in Network Marketing. She is best known for her down-to-earth, no-nonsense training. Get your FREE 10-Day email Boot Camp on at WorkAtHomeBusiness
Blog Attraction Marketing
Check out at Set up home business on the net
Blog Attraction Marketing
Check out at Set up home business on the net
Orignal From: What Makes You Successful in Network Marketing?
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