Blog Archives

Time Travel

Our personalities are the key to finding out what kind of time manager we are. Whether we tend to do too much or too little, overwork or underwork, buzz around like a bee or freeze through procrastination, all comes down to one thing: which of the following Time Travellers are you? 1. The Perfectionist. The Perfectionist is one of the worst examples of a workaholic. They fill up their days with work activities in the belief that everything they do has to be as perfect as possible. George ...
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Build your business with Travel Incentives

Everyone knows that nothing closes a sale better than a free bonus. The problem is, selecting the right bonuses can be time consuming and expensive, plus the extra shipping costs can eat away at profit margins. That's why travel incentives are the perfect solution for both Internet-based and physical businesses. Travel incentives are a win-win business giveaway that you can use to close sales, reward frequent buyers, or offer as incentives for responding to upsells, cross-sells, or ...
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Do NOT File a Home Insurance Claim

---------------------------------------------------------- Permission is granted for the below article to forward, reprint, distribute, use for ezine, newsletter, website, offer as free bonus or part of a product for sale as long as no changes are made and the byline, copyright, and the resource box below is included. ---------------------------------------------------------- Do NOT File a Home Insurance Claim By Stephen Bucaro You can PAY for home insurance, but don't try to actually USE your ...
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Insurance Regulators Focus on Abusive Sales Practices

State insurance regulators are focusing their efforts on a short list of five consumer problems areas related to the improper sale of variable annuities and life insurance. The problem areas include: 1) 1035 exchanges, 2) variable annuities inside of qualified accounts, 401(k)s or IRAs, 3) failure to fully disclose costs and fees, 4) comparing sub-accounts to mutual funds, and 5) improper or unrealistic product illustrations. While the actual extent of problems in these areas is not ...
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Investor Guide to Financial Health

Step 1: Spend less than you earn Perhaps the simplest financial concept is the toughest for us to conquer- spend less than you earn. After paying your living expenses (bills, loan and mortgage payments, cost of food, charitable contributions, taxes, etc), you can begin to save and invest toward your future. If you are spending more than you earn, you must find a way to change this. You may even need to change your lifestyle- drive a more efficient car, eat out less, live in a smaller home, ...
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Health Savings Accounts

Most people with health insurance, especially employer paid health insurance, really don't know what their health care costs are. Furthermore, in many cases, they are limited in which health providers (doctors, hospitals, pharmacies etc) they can use. Most people are locked into a network of doctors. They know what the co-pay is, but have no idea what the doctor actually charges. When insured consumers are hospitalized, they rarely see the bill. They don't know if the insurance company was ...
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Quick Facts on Disability Insurance

Quick Facts About Disability Insurance §The sole purpose of individual disability insurance is to replace your after-tax income in the event of an accident or illness. These policies do not provide protection from medical expenses or recovery of damages for 'pain and suffering'. §Since the benefit payments are designed to be income tax-free, insurance coverage in the amount of 2/3 of your salary is roughly equivalent replacing your net take-home pay. This is usually the maximum amount of ...
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Reward your Employees with Travel Incentives

Motivating employees, especially highly competitive employees like inside and outside salespersons and telemarketers, can be a challenge. Sure, everyone likes cash, but what if you could offer a incentive that was worth more than cash? That's what travel incentives are all about. What do you think would generate more excitement among your employees; offering $50 to the person who sets the most appointments in one day, or offering a 3 day and 2 nights hotel stay in Hawaii including airfare? I'll ...
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Health Insurance 101 for Individuals and Families

The changing healthcare and health insurance landscape in the United States has resulted in more individuals and families purchasing health insurance coverage on their own. Rather than touch on the number of reasons why this is the case, I would like to provide individuals and families finding themselves in this position with ten basic ideas to assist them with getting the best health insurance policy for their specific situation. Below is a combination of ten questions and suggestions ...
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Buy Health Insurance Online and Save

It is now possible to thoroughly research and buy health insurance online. Without health insurance, the smallest of incidents, accidents, or illness can leave you with expensive medical bills that most people would have difficulty paying. Even a short check up at the doctor's office for a sore throat, or minor illness can cost a couple hundred dollars. It's important for everyone to obtain health insurance, no matter how healthy you tend to be- because you simply cannot predict what might ...
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Home Based Travel Business - How to Make it Work for You

Running a home based travel business is the wave of the future. Though it may seem simple to run a home based travel business, you need to know what kind of home based travel business you want to run and what types of situations you will deal with in running a home based travel business. Basically, there are two types of home based travel agents - referral agents and booking and selling agents. Referral agents do not book nor do they sell any travel products, they just run a home based travel ...
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Travel Will Create 144 Million New Jobs By The Year 2005!

This has in turn created one of the hottest and most lucrative business opportunities in the World! John Naisbitt, the world's leading authority on trends, defines in his book 'Global Paradox', one of today's most important trends - Travel - currently at $4.9 TRILLION annually, the world's largest industry. It employs 10.6% of the world's workforce and is growing 23% faster than the world economy! Travel will create 144 MILLION new jobs by the year 2005. According to Opportunity Magazine in ...
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Health Insurance Plans and their Differences

Health insurance plans have changed dramatically over the past ten years, and American's currently have several different options to choose from- including HMO's, PPO's, fee-for-service plans, MSA's and major medical. There are two main categories of health insurance plans that each of these policies is classified as; managed care plans and indemnity care plans. The differences between each of these plans mean the differences in how you will receive health care when you need it. Managed care ...
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Health Insurance for Seniors on the Web

Health Insurance For Seniors On The Net When a good friend of mine inquired where he could obtain information about medical insurance for his out-of-state, elderly mother, I told him to try the Internet. He reported back to me about a week later, in desperation: "I am giving up, I am too confused." He had taken on an overwhelming project with his widowed mother, living in another state. As the only child, and following the sudden death of his father, it was his responsibility to care for his ...
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Insurance Service Office upgrades its gomembers' meetingtrak

[Herndon, VA] --- gomembers, Inc. (http://www.gomembers.com) announced today that the Insurance Service Office (ISO: www.iso.com) has elected to upgrade to the latest version of gomembers' meetingtrak software, as well as adding the etrak module for online meetings management. "This upgrade and module addition demonstrates ISO's continued commitment to our comprehensive meetingtrak solution,' stated Tom McGourty, gomembers' Vice President of Sales and Marketing. "Opting to add etrak, the only ...
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Update on Student Health Plans

A highly effective but little-known strategy for controlling medical insurance costs will become a bit less attractive after September 1 when the nation's leading issuer of medical insurance raises rates for policyholders over age 29. This change primarily affects self-employed individuals who maintained their own health insurance plans after graduation from college. Students who purchase private medical insurance enjoy more liberal coverage than the plans typically offered through ...
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gomembers' etrak selected by Texas Department of Health

[Herndon, VA] --- gomembers, Inc. (http://www.gomembers.com), reported that the Texas Department of Health (TDH: http://www.tdh.state.tx.us) has selected gomembers' etrak to add an online component to compliment their existing meetingtrak solution. 'As a current meetingtrak user, etrak will offer TDH a streamlined approach to their member and meeting registrations,' explained Jay Barrett, Vice President of Operations for gomembers. 'The ability to harness the Internet will cut down ...
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Cruise Travel Home Business

Cruise Travel Home Business: You've gone on your first or your 100th cruise and loved it. Did you ever consider starting a cruise travel agency? You enjoy the searching for the perfect cruise for yourself and everyone around you. You like setting up and taking care of all the arrangements. If this sounds exciting and fun, why not profit from it, and start your own cruise travel agency. The travel industry currently shows $4 trillion annually spent in flights, cruises, cars, hotels and more. ...
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How An Insurance Company Makes Money

I worked in the insurance industry for 16 years and saw first hand how profitable an insurance company can be. I will not attempt to go into the nitty gritty details but I will give you a pretty good idea in the form of an overview, how profitable a venture an insurance company can be. Insurance is a form of risk management. It is purchased to avoid the possibility of a large , potential future loss. To compensate the insurance company for taking on this potential future payout, the insured ...
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How to Start Home Based Travel Businesses

Home based travel businesses are no longer the wave of the future. Home travel businesses are the hot trend right now. So if you're considering becoming a travel agent, this brief guide will provide you with information you need to know. First, there are generally two types of home travel businesses:

• Referral agencies
• Booking and selling agencies

Home based travel businesses that fall into the referral agency category do just that: they refer people to a travel agency. They may have several ...
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Insurance is Essential to the Success of a Business

When times are tough, many business owners believe that no expense is too sacred to be spared from the cost-cutting axe. The cost-containment craze of the 21st Century promises to be more than a passing fancy -- it will remain a key to survival in an increasingly competitive global market. Still, business owners, particularly of small and medium sized businesses, should take great pains to ensure that their insurance programs are not compromised. A business owner's need for adequate insurance ...
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Travel Photography

To many people the idea of being paid to take photographs of exotic places is the ideal job. It may takes years of effort to be paid by magazines such as the National Geographic, but are there better ways to become a travel photographer. As most people have more leisure time, more holiday time, and more disposable income, the demand for travel photographs has increased dramatically. Not only are they in demand for travel brochures, but they also are used extensively in other advertising copy. ...
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Can Cell Phones Harm Your Health?

It seems like everywhere a person goes there is at least one person in view with a cell phone to their ear whether it is on the road, in a store, in a parking lot, walking down the street, etc. Even in places where cell phone usage is banned such as concert halls or movie theaters there is the occasional offender, or more likely, at least a few people using the text messaging feature on their phone. Cell phone usage has exploded over the past decade and continues to rise. Nearly two hundred ...
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Health Plan

In business, owners create business plans and marketing plans for the New Year to help set their course for success. This becomes their template to make their dreams and business goals come true. They can then track their progress and make adjustments when necessary to keep themselves on track. But, why not do the same thing if your goal is improved health? Just imagine setting up a real action plan to address what you want to achieve and how you will go about making those goals happen. ...
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Health Coverage While Unemployed

A key decision that millions of Americans face each year is whether to elect "COBRA" 'HIPAA' or 'COBRA alternative' health care continuation coverage when they lose employer-provided health coverage. About two thirds of all Americans are covered by employer-provided health coverage but with the recent increase in layoffs across the country, the number of workers losing these employer-provided health benefits is at a record level. Workers typically have three or more options available and the ...
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Start Up a Travel Photography Business

Too many people have the idea that being paid to take photographs of exotic places is the ideal job. It may take years of effort to be paid by magazines such as the National Geographic, but are there better ways to become a travel photographer. As most people have more leisure time, more holiday time, and more disposable income, the demand for travel photographs has increased dramatically. Not only are they in demand for travel brochures, but they're also used extensively in other advertising ...
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Ten Tips for Replacing Health Coverage

Changing health insurance is a ritual part of changing jobs, graduating from school or starting your own business. Fortunately it is now a lot easier and less expensive than in the past. Medsave.com is the nation's largest online benefits enrollment service that offers this type of fast, affordable and reliable coverage nationally with policies issued within one business day. These tips will help you find the best value: 1. Do not try to your change insurance plan if you have a serious medical ...
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Understanding COBRA Health Coverage

As more people face job cuts in this slowing economy, the issue of COBRA medical insurance becomes more important. This is a very brief review of a few of the most important points if you are suddenly faced with the need to pay for your own medical coverage. The acronym 'COBRA' was brought about by a tax law change that required employers with more than 25 employees to offer temporary health insurance in the event of lay-offs and other circumstances that interrupt coverage under employee ...
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Using Consumer Reports' Health Plan Ratings

It has always been difficult for consumers who purchase health insurance to find meaningful data on the quality of the available plans. It has been even more difficult, I think, for a health insurance buyer to translate the published data into conclusions relevant to their own purchasing situation since most individual and small business purchasers have different concerns than the majority of employees of larger corporations. Much of the available data just is not relevant to individuals and ...
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