Health Insurance Help to Lower Your Premium

Illness for non-work related injuries can be financially devastating. Insurance keeps you protected against disastrous health care expenses and lost wages. There are enormous health insurance plans available day-to-day, the insurance cost and its benefits vary from one plans to another. Before enrolling for a policy, an individual should consult with the insurance agencies, read the policy to get the complete information about the benefits and costs and also the way the plan works.

Today, there are many more kinds of health insurance to choose from than were available just a few years ago. Traditional differences between and among plans do not longer any more. Also, there is been an increased emphasis on the role of consumers in managing their own health care and health care finances. There is a focus on providing information on the cost of care and health care quality-at the level of the physician, physician group, and hospital-to help consumers and employers choose among the many options available to them. The things have changed a lot, when most people in the United States had health insurance has indemnity insurance (also called as fee-for-service or traditional insurance). This type of insurance coverage assumed that the medical provider i.e. doctor or physicians will be paid a fee for each service provided to the patient.

When we talk about health insurance, we usually mean the kind of insurance that pays medical bills, hospital bills, and typically, prescription drug costs. Nowadays, the insurance also covers Medicare and Mediaid that provides health insurance coverage for certain people, senior citizens, people with disabilities and also an individual and families with low income. Today, the online information helps an individual to compare two best insurance policies and choose best among it. The insurance help an individual for financial planning and accordingly choose the best suitable for the family. The policy helps to avoid the burden of expensive medical bills and ensure the penny paid in health plan is paid for your care. It protects you and your family financially in the event of an unexpected serious illness or injury that could be very expensive.

In spite of available health insurance help online, unfortunately many Americans are still uninsured or underinsured. Some may be eligible for private or government but may have difficulty in finding the maze of complex rules and insurance jargons. Many more may not even have chosen the plans due to non-affordability coverage or may not be eligible for any. To help you choose right plan, we give you an overview of programs and strategies for seeking free or reduced-cost health care and managing medical debts.

Why does an individual require health insurance?

As the science and medical care advances, the ways of treatment are also increasing simultaneously. The main purpose of health insurance is to help in paying for care. It protects you and your family members in an unexpected serious illness and injury that may be high in cost. Additionally, you are more likely to get regular and routine checkups, if you have an insurance policy. Every individual requires insurance policy because you cannot predict your illness, injury and your high paying medical bills. One must seriously consider the need for health insurance for own and family. We also know that there is interlinking between having health insurance and getting protective health care. The research states that people having health insurance are more likely to have a regular doctor and get care when it is needed.

How should one get health insurance?

Most of the people get health insurance through their employers or company which they belong to. This is formerly known as group insurance. Some individuals don’t have access to group insurance. In this case, one may choose to purchase their own individual health insurance directly from public or privately owned insurance company. Most of the Americans in North America get health insurance through government programs that operate at National, State & Local Levels. Insurance- whether provided by your employer or purchased by you – can be both expensive and complex. To understand better option, you must take health insurance help from the experts and advisors.

Group Insurance:
Group Insurance is basically offered by the employers or else by an organization of which you are a member of union, professional association wherein you may get group coverage. The employee has to choose between several plans been offered by an employer’s including both indemnity insurance and managed care. Some employer may only offer one single plan. Some group plans may also include dental care with the health and medical benefits. Hence, it is a very important decision to be taken by and employee before choosing any insurance benefits offered by employer or an organization. It is also essential to compare plans to find the one that offers the benefits as per your need. Once you choose an insurance plan, you usually cannot switch over to another plan until next open season, usually set once a year.

In group health insurance, employer usually pays portion or all of the premiums. This means your costs for health insurance premiums will be lower than they would be if you paid the entire premium alone.

If you are a member of group insurance offered by an organization, you are benefited from being a member of a large group. You will have to pay lesser premium than an individual would be paying. However, the organization often does not pay a share of premium, meaning you are responsible to pay complete premium by yourself.

Individual Insurance:
In an individual Insurance, you get the coverage directly from the Insurance Company. You don’t have any access to the group insurance offered by an employer or an organization. When you buy you own insurance, you have to pay entire premium rather than sharing with an employer according to Group Insurance. In individual insurance, you do not share any cost of premium with your employer. You should analyze and choose an individual insurance plan that fits your needs at a price that you are willing to pay; you should also consult a tax advisor to find out whether you are eligible for any tax deduction as per the insurance plan.

Insurance variably differs from one company to another within an insurance industry, from one plan to another and one product to another. Hence, choosing right company, right product, right plan are the important criteria before choosing any plans.

Which type of health insurance is right for you?

Whether you choose group insurance or an individual insurance plan, you must carefully compare coverage and costs. You should compare the following important aspects like coverage and benefits, premiums, exclusions and limitations, access to hospitals, doctors, and other providers etc…

One must consider what kinds of services are covered by the plan? How are benefits being availed of health insurance plan; do you have to submit a claim? When do you need pre-approval to ensure coverage for care? What steps do you need to get the care of you and your family members need? You must ensure how does your insurance plan works. Don’t wait until you need emergency care to ask questions.

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What to Do If You Were Turned Down For Health Insurance

If you’ve been living without health insurance, you’re not alone. 15.9 percent of all Americans are uninsured as reported by the UHF (United Health Foundation). Sadly, sometimes even when people are trying to be financially and socially responsible they’ll find that they’re unable to qualify for a health insurance policy.

According to survey by U.S. Census Bureau, nearly 60 percent of the population gets health insurance in the form of group policies through their employer. There are other people who get covered by government-sponsored health care, such as children, the elderly, and those with low incomes. Until recently, however, those outside of these groups were largely at the mercy of the policies of for-profit insurance companies when it came to whether they could get coverage.

If initially turned down, ask again or apply with another insurance provider

If you find that you’re in this group that has difficulty getting coverage, the first thing you should do is to try to find out what happened. In some cases, you may be rejected due to an error on the part of the company. If the reasons for your rejection were minor, you may also still be able to get individual insurance through another company. However, if you have a major pre-existing condition such as Cancer or Diabetes, it’s unlikely that any insurance company will consider you a good risk and you’ll have to seek out other options.

State high risk health insurance pools as an option

It is for this reason that a national high-risk insurance pool will be created within 90 days following the passage of the March 2010 Health Care Reform Act for people with existing medical conditions. The pool is backed by $5 billion in federal subsidies, and will offer subsidized premiums to people who have been uninsured for at least six months and have medical problems that have resulted in their being rejected from other insurance options. In some cases these risk pools will be run through the state governments. Either way, the law says that these pools will remain available until the new health care reforms have fully taken effect in 2014.

Prior to this legislation, high risk pools were already available in 34 states and covered 183,000 citizens. From the perspective of someone who wants a policy, the important thing to note is that the quality of coverage offered can vary widely depending on the attitude and policies of the state offering them. Some states are just more generous than others in programs like this, and if you believe that you’re likely to need to use your health care policy regularly, it’ll be worth your while to get a sense of the kind of coverage that your state offers. You should also remember that even though you’ll already be paying higher premiums than a typical insurance plan, you’ll still have to make sure you have enough money in reserve to cover deductibles and co-payments or health care will be as unattainable to you as ever.

In extreme cases, if you find your state’s high risk pool to be a completely unacceptable option, you still have choices but none of them are easy. If you’ve been working at running your own business or at a small business, you may be able to get into a group plan if you can find employment at a large company. In an extreme case, if you know that another state offers a high risk pool option that would work for you, and you have the means to do it (such as family in that area), you could even consider relocating.

The Pros and Cons of Group Health Insurance

The health insurance marketplace is certainly challenging, but count your lucky stars that at least you have choices. To that end, this article is going to explore the pros and cons of group health insurance.

Group Health Insurance Pros

Group health premiums are subsidized by the employer. Generally, an employer must contribute at least 50% of the “employee only” premium. As such, if you are the employee, you can likely get a richer health plan for less premium than you would pay in the individual health marketplace. However, the cost to add your dependents to the employer’s plan, may be cost prohibitive. In this case, and assuming that your dependents can qualify, then you may want to put them on an individual health plan.
Group health premiums for large families are the same as for small families; whereas in the individual market, you pay a separate premium for every family member. So, if you have a large family, you may be able to get a better deal by adding them to your employer’s plan. As with any insurance change though, don’t make any changes without consulting with an experienced insurance advisor in your state.
Group health insurance in most states is guaranteed issue – meaning that you can’t be turned down because of pre-existing health conditions. This is a real blessing if you or a family member has a medical condition that prevents you from qualifying for a individual plan. But, this is a double-edged sword. While being guaranteed issue is a huge benefit for those with pre-existing medical conditions, it does come at a price. This one feature alone accounts for most of the disparity between group and individual insurance premiums. Yes, that is right – in most states, individual health premiums are almost always less expensive than group health premiums.
Most group plans cover maternity. So, if you are planning on having more children, you should definitely consider hopping on to a group plan. While you can add a “maternity rider” to individual plans, these riders tend to be expensive, restrictive, and otherwise provide less value than the coverage you can get in a group health plan. That being said, if you are considering having more children, we recommend that you contact a health insurance advisor in your state for advice about what is best for your family. The right answer is different for each unique family.
Economies of scale can benefit employees of large employers. It is true that the larger the group, the larger the risk pool is in which to share the risk which CAN result in lower premiums than are available in the individual health market. However, the guaranteed issue “issue” CAN wreak havoc on this type of plan. For example, a large employer with good benefits tends to retain employees for long periods of time. Eventually, the average age of the group starts to creep up and so do premiums. In addition, people with large medical needs (expensive medical conditions) tend to be attracted to large plans because they are guaranteed issue with good coverage. And so, over time, not only is the group’s average age increasing, but the group is also attracting employees with large expected health costs. This is the dilemma that we see with large health plans like the U.S. auto-makers and even government plans. Eventually, those with lots of medical needs begin to outnumber those with little or no needs and so premiums are driven higher and higher.
Group Health Insurance Cons

Group health insurance can be more expensive than individual health insurance. ln fact, if you don’t factor in the employer’s contribution towards premiums, then individual plans are almost always more affordable than group plans. However, as we discussed earlier, not every one can qualify for an individual plan.
What happens if your employment is terminated (by you or your employer)? Yes, you will likely have some benefit continuation rights (through COBRA or state continuation programs), but these benefits can be very expensive and the term limited. So, eventually, you either have to secure another job with benefits, an individual health plan (assuming you are insurable), or possibly join a government health insurance program for the uninsured (if you are not insurable). Let me emphasize, that you should NEVER be without some form of major medical health insurance. Being without this insurance puts you and your family in serious financial jeopardy. In fact, a recent Harvard University study found that 50 percent of all bankruptcy filings were partly the result of medical expenses.¹ To the same point, every 30 seconds in the United States, someone files for bankruptcy in the aftermath of a serious health problem. Don’t let this happen to you.
Group health insurance premiums are rising faster than individual health insurance premiums. Why? Because most group plans are guaranteed issue and since they accept “all comers”, they tend to attract those with high medical costs. On the other hand, most individual health insurance plans are medically underwritten. This means that the insurance company can say “no thanks” to any application that it deems to not be in its interest. Put yourself in their shoes – would sign a contract to provide $30,000 in annual benefits to someone that was only going to pay $3,000 in premiums (for a net loss of $27,000) if you didn’t have to? Hmm…let me me think about that one. The answer is a resounding “NO!”. Because of this underwriting process for individual health insurance, insurance companies can control their risk and more effectively manage their profitability, resulting in more stable prices.
As you can see, there is no clear cut answer as to which type of insurance is the best. The answer depends on a number of factors and is different for every unique situation. The best advice I can give you as you consider your health insurance options — get good advice from an experienced health insurance advisor.

All About Affordable Health Insurance Plans

While consumers search for affordable health insurance, they have price in their mind as the top priority. A general conception among the consumers is that cheap health plans should not be costly-the cheapest health plan available in the market is their target. However, this approach is not good. Sometimes, paying for a cheap health insurance plan but still not getting the required level of coverage results only in wastage of money.

With the implementation of the affordable care act, the reach of affordable health plans is set to increase. Or at least, this is what is believed to be the objective of healthcare reforms. However, lots of consumers are still in confusion about how things would work. In this article, we will discuss some detailed options that consumers can try while looking to buy affordable health plans.

To get a hand on affordable health insurance plans, consumers need to take of certain things. First among them is about knowing the options in the particular state of the residence. There are lots of state and federal government-run programs that could be suitable for consumers. Knowing the options is pretty important. Next would be to understand the terms and conditions of all the programs and check the eligibility criteria for each one of them. Further, consumers should know their rights after the implementation of healthcare reforms, and something within a few days, they may qualify for a particular program or could be allowed to avail a particular health insurance plan. If consumers take care of these steps, there is no reason why consumers can’t land on an affordable health plan that could cater to the medical care needs.

Let’s discuss some options related to affordable health insurance plans state-wise:

State-run affordable health insurance programs in California

While considering California, there are three affordable health insurance plans that are run by the state government. Consumers can surely get benefitted by these if they are eligible for the benefits.

• Major Risk Medical Insurance Program (MRMIP)

This program is a very handy one offering limited health benefits to California residents. If consumers are unable to purchase health plans due to a preexisting medical condition, they can see if they qualify for this program and get benefits.

• Healthy Families Program

Healthy Families Program offers Californians with low cost health, dental, and vision coverage. This is mainly geared to children whose parents earn too much to qualify for public assistance. This program is administered by MRMIP.

• Access for Infants and Mothers Program (AIM)

Access for Infants and Mothers Program provides prenatal and preventive care for pregnant women having low income in California. It is administered by a five-person board that has established a comprehensive benefits package that includes both inpatient and outpatient care for program enrollees.

Some facts about affordable health insurance in Florida

While talking about affordable health insurance options in Florida, consumers can think about below mentioned options:

• Floridians who lost employer’s group health insurance may qualify for COBRA continuation coverage in Florida. At the same time, Floridians, who lost group health insurance due to involuntary termination of employment occurring between September 1, 2008 and December 31, 2009 may qualify for a federal tax credit. This credit helps in paying COBRA or state continuation coverage premiums for up to nine months.

• Floridians who had been uninsured for 6 months may be eligible to buy a limited health benefit plan through Cover Florida.

• Florida Medicaid program can be tried by Floridians having low or modest household income. Through this program, pregnant women, families with children, medically needy, elderly, and disabled individuals may get help.

• Florida KidCare program can help the Floridian children under the age of 19 years and not eligible for Medicaid and currently uninsured or underinsured.

• A federal tax credit to help pay for new health coverage to Floridians who lost their health coverage but are receiving benefits from the Trade Adjustment Assistance (TAA) Program. This credit is called the Health Coverage Tax Credit (HCTC). At the same time, Floridians who are retirees and are aged 55-65 and are receiving pension benefits from Pension Benefit Guarantee Corporation (PBGC), may qualify for the HCTC.

Some facts about affordable health insurance in Virginia

While talking about affordable health insurance options in Virginia, consumers need to consider their rights:

• Virginians who lost their employer’s group health insurance may apply for COBRA or state continuation coverage in Virginia.

• Virginians must note that they have the right to buy individual health plans from either Anthem Blue Cross Blue Shield or CareFirst Blue Cross Blue Shield.

• Virginia Medicaid program helps Virginians having low or modest household income may qualify for free or subsidized health coverage. Through this program, pregnant women, families with children, and elderly and disabled individuals are helped.

• Family Access to Medical Insurance Security (FAMIS) helps Virginian children under the age of 18 years having no health insurance.

• In Virginia, the Every Woman’s Life Program offers free breast and cervical cancer screening. Through this program, if women are diagnosed with cancer, they may be eligible for treatment through the Virginia Medicaid Program.

Some facts about affordable health insurance in Texas

While talking about affordable health insurance options in Texas, consumers need to consider their rights:

• Texans who have group insurance in Texas cannot be denied or limited in terms of coverage, nor can be required to pay more, because of the health status. Further, Texans having group health insurance can’t have exclusion of pre-existing conditions.

• In Texas, insurers cannot drop Texans off coverage when they get sick. At the same time, Texans who lost their group health insurance but are HIPAA eligible may apply for COBRA or state continuation coverage in Texas.

• Texas Medicaid program helps Texans having low or modest household income may qualify for free or subsidized health coverage. Through this program, pregnant women, families with children, elderly and disabled individuals are helped. At the same time, if a woman is diagnosed with breast or cervical cancer, she may be eligible for medical care through Medicaid.

• The Texas Children’s Health Insurance Program (CHIP) offers subsidized health coverage for certain uninsured children. Further children in Texas can stay in their parent’s health insurance policy as dependents till the age of 26 years. This clause has been implemented by the healthcare reforms.

• The Texas Breast and Cervical Cancer Control program offers free cancer screening for qualified residents. If a woman is diagnosed with breast or cervical cancer through this program, she may qualify for medical care through Medicaid.

Like this, consumers need to consider state-wise options when they search for affordable health coverage. It goes without saying that shopping around and getting oneself well-equipped with necessary information is pretty much important to make sure consumers have the right kind of health plans.

The 3 Secrets to Finding Health Insurance Deals

It is easy to find health insurance deals across the Unites States presently, because many health insurance providers offer buyers an affordable and beneficial health insurance deals.

It is necessary for people to have health insurance coverage, as the future is unpredictable. Hence, if people have a health insurance, it would help them prepare for all the uncertainties. Currently, health issues are major problems in the United States. This is why the American government insists that people buy health insurance.

People may wonder about how and where they can find deals. Here are several helpful resources that can help health insurance buyers zero in on the right insurance plan for his needs. If buyers wish to have affordable and beneficial health insurance deals, they may take the help of local insurance dealers, who address such health insurance coverage. The other alternative for people is to just sit at home and find health insurance deals to suit them.

Yes, this is possible. Many health insurance dealers have set up their web sites on the Internet to offer comfortable and convenient service to the insurance buyers. Therefore, individuals can simply browse the Internet and find deals, which suit their financial needs.

How To Find Health Insurance Deals:

Discussed below are a few resources to find the most economical and useful health insurance deals:

Contact the State Department of Insurance: There are people who offer customer service on these bureaus. They have a good knowledge of the different kinds of insurance products in their state. Thus, they can steer an insurance buyer to the best-suited companies and products that meet their exact requirements.
Work with a broker or an insurance agent: Agents or brokers are the best resources to know the available health insurance products in the market. They help insurance buyers in finding cost effective health insurance deals. They help to find favorable deals on health insurance with low insurance premium.
Check out Professional/Trade Organizations: Such trade organizations may offer health insurance coverage to insurance buyers at an affordable rate. Since every province has its own health insurance terms and conditions, the coverage offered by the Chamber in Bozeman, Mont may not be same as the Chamber in Tulsa, Oklahoma. Hence, it is necessary to review the insurance terms of such organizations carefully before purchasing insurance.
Things to Remember:
Before signing on the dotted line, find out the insurance company’s ratings issued by Dun and Bradsheet. Ratings by Dun and Bradsheet depict the company’s financial stability and its claim-paying history. Hence, it is best to choose a highly rated company to secure a good health insurance deal.

In addition, when considering online companies, check the consistency and durability of the health insurance companies. There is a chance that insurance buyers may buy health insurance coverage from a company that exists only for a few days and suddenly vanishes. Hence, be cautious and find a supportive and economical insurance package efficiently.

How To Look Professional Online

There are billions of people who are using internet for professional purposes. It is called online reputation management. No matter what field of work you are in, online content is powerful in making and marring the image of a person. Though no specific rules define professional behavior online but it is advisable to follow some basic steps in order to look more like an expert and less like an amateur. Here is a guide to help you put your best foot forward on the Web-

The best stands out

The internet does not filter out items you don’t want other people to see. If somebody key in your name into Google then it will deliver the most relevant results. So, load the web with professional content that reflects well on your name.

Maintain your reputation

Your privacy and reputation should be taken care of. This process is time consuming but try to dedicate some time to find out and remove dubious content. For e.g. If your friend an objectionable photo on Facebook, try and remove the tag yourself. Make sure, no questionable content should be available related to you on web. Though it is virtually impossible to entirely remove the content once published online but your best option is to keep negative materials from ever hitting the web at the first place.

Protect personal information

Protecting password and other vital information is of supreme importance on the web. If anyone gets access to your account, it may ruin things beyond repair. People get victims of identity theft, sometimes financial resources get stolen and other times computers are hacked. So, the password should not be easy-to-guess thing. Keep on monitoring all accounts on daily basis.

Branding is must

Maintaining online reputation is not just being safe about your data but think of your online reputation as a product that needs to be marketed continuously. Creating a business fan page on Facebook, joining professional sites like LinkedIn, writing a blog are some of the effective ways to manage your professional presence. It will be great if colleagues and clients review your services or goods. Honest reviews are powerful. Never forget smart web surfers can quickly spot fake reviews. Try to be consistent with messages and profiles. While writing content, make sure you use the same logos, slogan and even fonts. When anybody offers criticism, respond amicably and figure out the solution to solve the problem.

Cash your expertise

It is important to be online to pump up your reputation in unlimited ways. There is no better way to present yourself as a well-rounded, trustworthy professional than blogging about a topic that interest you. This initiative will help you establish as an expert on a relevant subject. Even you are not among world’s top experts but putting a thought and value into online content is always appreciated.

The internet memory is accurate

Internet never forgets. If you put write anything online, it is there forever. So be cautious and vigilant what you are feeding it. Not everyone is happy with the internet’s long memory but your vigilance is your best protection.

Impact of Smart Technology on Data Entry Processes

With evolving smart technologies, the entire process of rendering data entry services has become way easier. Smart technologies are now helping businesses strategically and economically by generating data from every possible source including mobile phones, industrial equipment, smart accessories and personal computers.

Data entry services are considered to be “smart” on their responsiveness with respect to the incoming data. Businesses are looking for effective ways to manage data for obtaining better value and supporting their ultimate objectives.

Smart technologies tend to engage people and various smart devices with the related business, for better processing and collection of data from designated sources. For supporting and coping with the current evolution of such technologies, processes are being constantly renewed.

There are various smart applications that enhance data analytics processes and make them even better. These include Cloud Computing, Internet of Things, Smart Data and Machine Learning.

Need of Smart Technology
Data entry services, when offered with smart technologies provide real-time data processing, thus improving business’s economic growth and providing a business-friendly option with efficient data management.

When looking for a suitable smart app for your business, you should always consult a data entry outsourcing company.

Nowadays, businesses are striving for more innovative strategies while incorporating these smart apps.

It eradicates the need of paper documents.
It provides innovation with a customer-centered approach.
These technologies are all industry-oriented, providing accurate results
These are scalable and easy-to-adopt.
They work even better with unorganized data volumes.

Collection of Data via Smart Technologies
Smart technologies assist in collecting and assembling data through:

Intelligent Capture replacing template-based data extraction with an efficient capturing module and natural language understanding.
Mobile Data Entry for collecting data on various mobile devices, enabling smart data entry services.
Robotic Process Automation (RPA) providing the latest smart recognition technology for improved data processing.

Data Alteration through Smart Technologies
For better use of these technologies, data entry services and methodologies are continuously being reshaped and revised, allowing organizations to take competitive advantage, along with enhancing cost-efficiency and security of business operations.

Smart technologies include Artificial Intelligence, Machine Learning, Internet of Things have now replaced manual processes that are more time-consuming, providing lesser room for human errors.

Let’s talk about a few of these technologies:

Artificial Intelligence and Machine Learning are more responsive and secure when it comes to managing any repetitive task, recognizing various patterns and enhancing the accuracy level.
For expanding number of data sources and creating a connection between people, internet, devices and businesses, IOT (Internet of Things) is used extensively these days.
From cloud computing services based on data entry services, businesses can derive benefit and manage the complexity of their data infrastructure.

Effect of Intelligent Technologies
Smart technologies are drastically casting a positive impact over data entry services and rendering a friendlier approach, providing benefits in the following ways:

Better and more composed process, leading to reduction of human errors.
It has become faster and more efficient with easy management of data in bulk and from different sources like paper forms, scanned images and much more.
Streamlining the business operations and changing the perception of businesses to deal with data management projects.
Increasing the potential to scale data entry processes and utilize innovative techniques.
Enhancing the ability of businesses to manage remote projects more effectively and receive client data irrespective of network availability.

With data entry services supported by smart technologies, you can better achieve your business goals with an efficient management and processing of data.

Understanding the Importance of Residual Income

This article is aimed at explaining the importance of building residual income and also to explain the need for individuals to leverage network marketing business model if their dreams are to gain financial and time freedom. So, even if you presently work a job or business, it is needful that you pay attention to network marketing so as to develop residual or passive income over time.

The commonest way that people define residual income is “income earned while sleeping”. Is it really possible to earn income while, all the while, you are asleep? This may sound strange to some people but, yes, it is possible.

The importance of residual income in a man’s life finds expressions in the statement of the billionaire investor, Warren Buffet, in which he stated that “if you don’t find a way to make money while you sleep, you will work till you die”.

Residual income is a concept that many ignore without understanding that their future well-being is dependent on it. And with what result? With damaging consequences.

By going to work every workday and receiving a salary at the end of the month, you’re simply exchanging time with money. Your salary is not residual. If your work stops, your income stops automatically.

Let me explain residual income with the following example.

Imagine two men in a village. Both have to walk a mile every day to a river to get water for their families. After a month, one man starts working on building an underground pipeline to connect the river to his house. For an entire year, he expends extra energy working on his pipeline. When he finishes, he has the source of the water directly to his house, while the other person continues to visit the river.

Residual income is like building a pipeline to connect water from the source to your house so that you don’t always have to go to the river.

In that short example, you will notice that it took some time for the pipeline to be constructed. But having done that, the man continued to enjoy water supply effortlessly.

However, the second man who failed to take the same initiative had to continue to visit the river for his water supply. What will happen if he becomes indisposed? He and his family will stay without water and suffer its consequences.

There exist many business initiatives that you can leverage in your effort to build residual income. But I do recommend network marketing, or MLM as some would like to call it, due to the fact that it doesn’t requre a tonne of investment capital to set up.

A lot has been said about network marketing by various network marketing professionals but many still feign ignorance about it.

The reasons people WON’T take a look at network marketing is NOT:

• because they don’t have the money.

• because the opportunity or business isn’t good.

• because they are worried about being scammed.

• because the profit margins aren’t high enough.

• because the demand for the product isn’t wide enough.

• because they need to ask their spouses first.

• because they need a night to sleep on it.

• because they need more time to research the company.

• because they need to get on the phone with you to join.

• because they have to ask other people on Facebook to see if you’re a good sponsor.

• because they need to see your bank account to prove the results.

• because they don’t believe in it.

The real reason they don’t join network marketing business opportunity is that they have been conditioned by society to be consumers of goods and not producers.

.They have been conditioned to buy “education” but not to buy knowledge.

.They have been conditioned to have a “job” but not to own a “business”.

.They have been conditioned to be workers but not to be their own bosses.

.They are non-thinkers instead of go getters

.They are intimidated by anything that challenges them.

That is what this is really about. It’s about people who are so afraid of learning, and stepping out of their comfort zones and being paralyzed by their fears.

It’s about being comfortable and caring what other people might think. It’s about their family thinking they are FAILURES if they do anything besides just having a JOB.

If you’re working presently, understand that you are only exchanging your time and effort for the pay cheque you receive at the end of the month. That’s okay though but by going to work every day, you are not building residual income which is the pipeline that will enable you to get water supply without having to go to the river.

Why It Pays to Have a Multiple Quote Website

Why it is necessary to get a reliable insurance company in today’s world: there are certain straightforward trademarks of all insurance companies, through which we can distinctly differentiate between them.

Go through the reviews of well-reputed and creditable resources which can assure you that the insurer you are opting for works for your benefit and secured contentment.
Shop around for comparison because there might be companies in market providing premium policies at a dirt-cheap rate, but many a times those companies aren’t legitimate. So, go through policy details and settle for that particular insurer who facilitates all coverage without cutting down the market rate to 50% but at the same time is comparatively cheaper.
Lastly, consider experience as the most important trait of the insurance company. Check their expertise in the field you are concerned about, and if their issue of license has a greater number of years in terms of longevity, then go for it without hesitation.

Categories of coverage: A cobweb of insurance companies is present, offering insurance for multiple categories like:

Insurance for Cars: Two things every car owner should keep in mind while selecting the insurer:

While liability insurance is over-priced, the common policies are quite cheaper in comparison and some other policies are dependent upon the model of your car.
Never allow lapsing of the policy you are paying for.

Insurance for Homes: The most fundamental and common homeowner insurance policies cover at least four of the following criteria:

Coverage that shields your home.
Coverage that protects other liabilities.
Coverage that guards personal properties.
Coverage for the surplus living cost one has to pay in life.
Coverage for undone properties.

Insurance for Health: In this resilient economic condition that we are living in, there is one insurance policy called HDHPs or Catastrophic Health Insurance policy on which every consumer is banking for fortification in emergency situations.

Life Insurance: Points to be noted when investing in life insurance premiums:

Check your financial service aids from which your family can draw.
Write down a rough description of all your long-term financial requirements.

For some companies, there isn’t one particular website for all the information on these categories. Hence, digging through multiple sites and reading along the lines of criteria for multi-categories of policies is tedious and difficult.

So, for all the purposes mentioned above, you need a website which contains concise and updated information on multiple insurance quotes.

The kind of information available on multiple quotes websites: The procedure for proper operation of the websites varies, but the end result remains the same, which includes the following:

They are equipped to present us with the perfect coverage plan according to the basic details about us and our personal requirements.
Easy comparison of multiple insurance quotes so that every doubt is clarified and we choose the optimum and ultimate plan for our own benefits in terms of long term protection.
Based on the range of rates that we have set for us, we get both variety and reliability in the form of information proffered by these websites.

Webinars – A Guide to Creating The Perfect Webinars

With the ever-increasing technology in today’s world, the demand for high speed information is at an all-time high, and along with this, the modes of information delivery are also increasing a lot more. With this increase has come a powerful new medium known as Webinars. The term for a Webinar is a “Web Seminar”, which a live-streamed video conference that can be used for businesses and their employees over long distances, which can also be used for online video interviews and related services. Businesses that use this tool can boost productivity and efficiency, as it can cut down travel time and costs and allow issues and tasks to be solved quickly. In this guide, we will explain exactly what needs to be used to make a webinar work correctly, allowing you to break out into the crowd.

As stated above, a webinar is a tool used for live conferencing. This is not just limited to business meetings, but can also extend to business interviews, school and college interviews, marketing a product and even general Q&A’s. However, using this tool can prove to be difficult for those who have no general idea where to start from, and with little to no experience, things could lead to be sloppy and unappealing for viewers which can lower traffic and interest. In order to make sure the experience is a pleasurable one, you will need to know a number of things that will help you expand your knowledge in the field of webinars. In this entry, we will be focusing on a specific aspect of webinars, which is marketing a product, item, or service to a particular audience or demographic.

As a first, arguably the most important aspect of hosting a Webinar is the equipment being used. It should be obvious, but a lot of people will quickly lose interest if the video quality is poor, as viewers will not want to spend their time trying to figure out what exactly it is they’re looking at, quickly prompting them to be annoyed. The next item that may lead them to be just as disgruntled is the general audio quality. If the audio is choppy and inaudible, it will most likely render them unable to hear the opposing party, causing issues and possibly resulting in miscommunication. These issues can usually be resolved by simply acquiring a faster internet connection, as these can be the result of poor connection between both ends. However, if the issue still persists after this, it is more often than not a result of low-quality equipment, and it may be wise to invest in an external microphone and a High Definition camera.

Next, maintain a connection. When it comes to creating webinars, you are constantly competing for someone’s attention. This is why it’s important to make sure your content is both relevant to what the viewer is looking for, and just as important to make the webinars fun and entertaining as to make sure you keep the potential customer hooked in. On average, a general video viewers attention span only lasts ten minutes in, however with marketing webinars, it is an even smaller window. On average, you have only ten seconds hook in a viewer’s attention and maintain it, as more often than not, if this attention is not held they will simply move on to the next appealing product that is being offered. This first ten seconds is crucial and critical. Start out with a relevant and relate-able joke, as a humorous tone will help draw in a viewer.

Finally, learn to keep it real. As stated in the previous entry, it can pay off to maintain a connection and relate with your viewers. This is to make sure you can hook in as much potential customers as possible. The more viewers there are, the more attention your webinars will draw, in turn, bringing even more viewers and creating an upward spiral of success. A good way to do this is being your webinars by introducing yourself with a real life story that will help our viewers to relate to you. By doing this, it shows that you are also a real and relate-able person, prompting viewers to be even more interested in your offers. You can also use the advantage of analytics as a tool. By inputting real life statistics into your webinars, this shows your viewers that you aren’t simply trying to sell than item, but you are showing them a crowd of other customers that also believe they need this item. This can trigger a response in your viewers that lead them to be even more interested.