Guerrilla Marketing – Official Site, low cost business ideas.#Low #cost #business #ideas

low cost business ideas

Grow Your Business

Explode Your Profits

Low Cost, Easy to Deploy Strategies

First, grab your copy of the classic 200 Marketing Weapons

to Maximize Your Marketing Success Today

Low cost business ideas

“Guerrilla marketing embraces 360 degrees of communication, reaching target audiences in as many ways as are affordable and possible. Your task as a guerrilla is to be aware of all the marketing weapons available to you, to experiment with many of them, and then to identify the combination of weapons that provides the highest profit to you.”

By Jay Conrad Levinson

The Official Guerrilla Marketing – bringing Guerrilla Marketing methods to the world.

– founded by Jay Conrad Levinson in 1984

​How can Guerrilla Marketing help you get maximum results for minimum cost?

It focuses you on low cost, high profit creative marketing. Its basic requirements are time, energy, and imagination and not money. Sales are not the primary metric to measure business success, instead profit is the measurement. Guerrillas place emphasis on retaining existing customers instead of solely focusing on acquiring new ones.

The concept of Guerrilla business began as the book Guerrilla Marketing . This first book was published in 1984 and it was created to help small business succeed against large and established competitors with large advertising budgets. Guerrilla Marketing started a movement that lead to over 50 books, published into 62 languages and selling over 21 million copies around the globe.

​Your job as a Guerrilla: make every single moment of the experience satisfying, simple and worthwhile for the customer. When you do that, you’re truly a practitioner of Guerrilla Marketing

Today, we are even more passionate than in 1984, about the success of businesses and most importantly the people who run them. Utilizing time, energy, imagination and not money remains core to the Guerrilla mindset and we provide the tools to help you develop and expand that mindset so you can exceed.





Triple bottom line, The Economist, low cost business ideas.#Low #cost #business #ideas

It consists of three Ps: profit, people and planet

  • Low cost business ideas

Add this article to your reading list by clicking this button

Low cost business ideas

The phrase “the triple bottom line” was first coined in 1994 by John Elkington, the founder of a British consultancy called SustainAbility. His argument was that companies should be preparing three different (and quite separate) bottom lines. One is the traditional measure of corporate profit—the “bottom line” of the profit and loss account. The second is the bottom line of a company s “people account”—a measure in some shape or form of how socially responsible an organisation has been throughout its operations. The third is the bottom line of the company s “planet” account—a measure of how environmentally responsible it has been. The triple bottom line (TBL) thus consists of three Ps: profit, people and planet. It aims to measure the financial, social and environmental performance of the corporation over a period of time. Only a company that produces a TBL is taking account of the full cost involved in doing business.

In some senses the TBL is a particular manifestation of the balanced scorecard. Behind it lies the same fundamental principle: what you measure is what you get, because what you measure is what you are likely to pay attention to. Only when companies measure their social and environmental impact will we have socially and environmentally responsible organisations.

The idea enjoyed some success in the turn-of-the-century zeitgeist of corporate social responsibility, climate change and fair trade. After more than a decade in which cost-cutting had been the number-one business priority, the hidden social and environmental costs of transferring production and services to low-cost countries such as China, India and Brazil became increasingly apparent to western consumers. These included such things as the indiscriminate logging of the Amazon basin, the excessive use of hydrocarbons and the exploitation of cheap labour.

  • Idea: Total quality management Nov 16th 2009
  • Idea: Balanced scorecard Dec 26th 2008

Growing awareness of corporate malpractice in these areas forced several companies, including Nike and Tesco, to re-examine their sourcing policies and to keep a closer eye on the ethical standards of their suppliers in places as far apart as Mexico and Bangladesh, where labour markets are unregulated and manufacturers are able to ride roughshod over social and environmental standards. It also encouraged the growth of the Fairtrade movement, which adds its brand to products that have been produced and traded in an environmentally and socially “fair” way (of course, that concept is open to interpretation). From small beginnings, the movement has picked up steam in the past five years. Nevertheless, the Fairtrade movement is still only small, focused essentially on coffee, tea, bananas and cotton, and accounting for less than 0.2% of all UK grocery sales in 2006.

One problem with the triple bottom line is that the three separate accounts cannot easily be added up. It is difficult to measure the planet and people accounts in the same terms as profits—that is, in terms of cash. The full cost of an oil-tanker spillage, for example, is probably immeasurable in monetary terms, as is the cost of displacing whole communities to clear forests, or the cost of depriving children of their freedom to learn in order to make them work at a young age.

Elkington, J., “Cannibals with Forks: the Triple Bottom Line of 21st Century Business”, Capstone, 1997

Savitz, A.W. and Weber, K., “The Triple Bottom Line: How Today s Best-Run Companies Are Achieving Economic, Social and Environmental Success—and How You Can Too”, Jossey-Bass, 2006

Willard, B., “The Sustainability Advantage: Seven Business Case Benefits of a Triple Bottom Line”, New Society Publishers, 2002

Low cost business ideas

This article is adapted from “The Economist Guide to Management Ideas and Gurus”, by Tim Hindle (Profile Books; 322 pages; £20). The guide has the low-down on over 100 of the most influential business-management ideas and more than 50 of the world s most influential management thinkers. To buy this book, please visit our online shop.





Guerrilla Marketing – Official Site, low cost business ideas.#Low #cost #business #ideas

low cost business ideas

Grow Your Business

Explode Your Profits

Low Cost, Easy to Deploy Strategies

First, grab your copy of the classic 200 Marketing Weapons

to Maximize Your Marketing Success Today

Low cost business ideas

“Guerrilla marketing embraces 360 degrees of communication, reaching target audiences in as many ways as are affordable and possible. Your task as a guerrilla is to be aware of all the marketing weapons available to you, to experiment with many of them, and then to identify the combination of weapons that provides the highest profit to you.”

By Jay Conrad Levinson

The Official Guerrilla Marketing – bringing Guerrilla Marketing methods to the world.

– founded by Jay Conrad Levinson in 1984

​How can Guerrilla Marketing help you get maximum results for minimum cost?

It focuses you on low cost, high profit creative marketing. Its basic requirements are time, energy, and imagination and not money. Sales are not the primary metric to measure business success, instead profit is the measurement. Guerrillas place emphasis on retaining existing customers instead of solely focusing on acquiring new ones.

The concept of Guerrilla business began as the book Guerrilla Marketing . This first book was published in 1984 and it was created to help small business succeed against large and established competitors with large advertising budgets. Guerrilla Marketing started a movement that lead to over 50 books, published into 62 languages and selling over 21 million copies around the globe.

​Your job as a Guerrilla: make every single moment of the experience satisfying, simple and worthwhile for the customer. When you do that, you’re truly a practitioner of Guerrilla Marketing

Today, we are even more passionate than in 1984, about the success of businesses and most importantly the people who run them. Utilizing time, energy, imagination and not money remains core to the Guerrilla mindset and we provide the tools to help you develop and expand that mindset so you can exceed.





Interactive investor: low cost online trading & investment platform, low cost business

low cost business ideas

Low-cost sharedealing; trade what you want, when you want, for 10 per trade.

Tax-efficient, low-cost investing with no separate ISA fee.

Plan your retirement with our low-cost SIPP. No % fees. Annual admin fee just 100 plus VAT.

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Deal on Forex, indices, shares, commodities and more. Low margins from 4% on UK 100 shares

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Interactive investor: low cost online trading & investment platform, low cost business

low cost business ideas

Low-cost sharedealing; trade what you want, when you want, for 10 per trade.

Tax-efficient, low-cost investing with no separate ISA fee.

Plan your retirement with our low-cost SIPP. No % fees. Annual admin fee just 100 plus VAT.

Spread Betting, CFDs Forex

Deal on Forex, indices, shares, commodities and more. Low margins from 4% on UK 100 shares

Investment Ideas

Market Analysis

Is superstar Tristel unbeatable?

Low cost business ideas

It’s dominated one market, could dominate others, is debt free, highly profitable, growing, and has competitive advantages, but analyst Richard Beddard is getting cold feet.

More Investment Ideas

Most Active Discussions

Market movers

Winners Losers

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Users’ Holdings

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Breaking Market News

Trump And Putin Agree There Is No Military Solution To Syria Conflict

Asia-Pacific Trade Ministers Agree TPP-Replacement Deal Without US

TSX Holds 16,000 But Optimism Fading — Canadian Commentary

Major Averages Close Mixed On The Day But Lower For The Week – US Commentary

Dollar Little Changed As Light Data Week Nears Conclusion

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        • New to Spread Betting?
        • Desktop web trading
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        • Learn
        • Legal
      • Free Research Account
      • Charges
    • Investment Products
      • Shares
      • Unit Trusts OEICs
      • Investment trusts
      • Retail Bonds
      • ETFs
      • Bonds Gilts
      • New Issues and IPOs
        • ITs Funds
        • Private Company Share Offers
        • Retail Bond Issues
        • Share Offer IPOs
        • Enterprise Investment Scheme
      • Values-based Investing
    • Advanced Products
      • Spread Betting CFDs
      • Short Leveraged ETFs
      • VCTs
      • Structured Products
      • Covered Warrants
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      • New Issues
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    • Markets
      • FTSE 100
      • FTSE 250
      • FTSE All Share
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      • FTSE AIM 100
      • FTSE TechMARK Focus
    • News
      • Breaking market news
      • Bonds new issues
      • AIM news
    • Research
      • Live Share Prices – Level 2
      • Winners / losers
      • Most active shares
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  • Funds Investment Trusts
    • Investment Options
      • Unit Trusts and OEICs
      • Investment Trusts
      • ETFs
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      • Fund Search
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      • Top Funds
      • Top Investment Trusts
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Interactive Investor Trading Limited, trading as “Interactive Investor”, is authorised and regulated by the Financial Conduct Authority.

Registered Office: Standon House, 21 Mansell Street, London E1 8AA, telephone 0345 200 3637. Registered in England with Company Registration number 3699618. Group VAT registration number 832 6732 26.

We may record and/or monitor telephone calls or intercept other telecommunications between us. This is to protect both of us and for training purposes. Calls to this number cost no more than calls to 01 and 02 numbers.





110 Small Business Ideas With Low Investment Capital, low cost business ideas.#Low

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110 Small Business Ideas With Low Investment Capital

Small business ideas abound around us. Are you looking for small business ideas to start in Hindi or India? Perhaps you are in a different region. You may be looking for small business ideas to start in USA, UK, Philippines or Nigeria. We have researched various small business ideas you can start with low investment.

So, if you are one of the people who have been asking the question, what kind of business should I start? you will find many great business ideas here. Before you continue reading this article, let me give you a hint that it is going to be a long list of small business ideas. However, for you to make most of it, you should not just rush the article by scrolling from the top to the bottom. Even if you are looking for a specific business idea to start, you may stumble on other good business ideas that may catch your interest. If a particular business idea does not appeal to you, that does not mean you should not read it. Who knows whether by reading it, something may spark up in you that will lead to the birth of your own new business idea. When looking for business ideas you can start, you need to keep your mind open. Otherwise, certain start up business ideas may just be passing you by. Therefore, you should be willing to read to digest and not just to have a glance at this list of the business ideas. Or else, it will be like magical words; the more you look, the less you see.

A lot of people usually ask me; what is the best business to start? This article may not be able to provide specific answer to this question because the best business to start is relative. What is considered the best business ideas in India may not be the best small business ideas to start in UK. However, from the list of small business ideas covered in this article, you will be able to identify the one that will help you start your dreamed small business. Nevertheless, the list of creative and unique small business ideas discussed in this article is broad enough to cover the enquiries we received. You need to be patient enough in order to digest it. For people that may be willing to read in details, I have dedicated a page within this article to guide the readers on how you can come up with small business ideas you can start almost immediately. In summary, below are the categories of small business ideas that you will come across within this article:

  • Home based small business ideas.
  • Online business ideas.
  • Small business ideas with low investment.
  • Small business ideas you can start with no money.
  • Small business ideas for men.
  • Small business ideas for women and moms.
  • Small business ideas for beginners.

I hope that you will be able to locate a business to start before you get to the end of the article. We will keep updating this article with new business ideas as often as possible. Have a good adventure.

If you are looking for small business ideas to start with low investment capital, affiliate marketing is probably one of the easy and best small business ideas to start making money online. The reason is that, you don’t have to create any products yourself to start the business. Your task is to link up a buyer and a seller. You will be paid a commission on the sale that has been referred by you. In some cases, you don’t need to sell products to earn a commission. We have different affiliate programs and they use different payment terms. Examples are; Pay per sale, pay per lead and pay per click. If you intend to start this business, you might require a website before you actually make a good money from it. Commission Junction, Clickbank and Shareasale are good examples of companies that offer affiliate opportunities. It is a good home business idea for both men and women. The advantages of affiliate marketing are numerous. Few are listed below:

  • It is cost effective as you don’t need to bother yourself about production costs.
  • The market is global
  • Becoming an affiliate is free
  • Both storage and shipping are taken care by the seller
  • The seller handles customer complaints for you
  • It can be run as a side business
  • it is a good home based business idea

One of the lucrative small business ideas you can start is animal feeds production. People eat meat, chicken, turkey and eggs every day. But before it gets to that level, there is need for rearing. All these livestock require feeds for them to grow. If you can formulate a diet that combines different feeds that meet the energy and protein requirements of animal, animal feed production can be a good small business idea for you. Animal feed production can be operated as home based business. However, you should ensure that you don t infringe the zoning rules governing your area. You should also ensure you obtain permits before you start the business. If you are searching for small scale manufacturing business ideas, animal feed production is a small scale business idea that can grow to become a big company. Because of the associated costs involved in production, it will be good if you can get the feed ingredients at good prices. Buying in bulk can make you enjoy discounts. However, this requires money except your suppliers are ready to sell to you on credit. Getting your formula for the mix of ingredient right will result to the production of feeds that are rich in protein, energy and vitamins. These are vital basic nutritional elements a good animal feed is expected to contain. You can sell your products through distributors, wholesalers or retailers. You can even sell directly to local farmers.

If you are good at child caring, babysitting can be among the list of small business ideas you can consider. Why should you consider this as a business idea? It is because of the unique advantages it has over other small business ideas. These include the following:

  • It is not seasonal
  • It is recessional-resistant
  • It is business idea you can start without investment
  • It is a good home based business

Baby sitting is a good home business idea for women and teen. Nevertheless, it is important that you consider the responsibilities involved and the consequences before you start this business. As a babysitter, you will be responsible for a change of diaper, bathing and the safety of the baby. Therefore, you need to prepare yourself before hand. Also, you need to determine the kind of kids you will be comfortable with. Can you look after newborns or kids with special needs? It is important that you ask necessary questions before you accept a babysitting job. As a beginner, you can secure your first sitting job by telling people within your neighbourhood about your new business idea. Kids can be very playful and sometimes annoying. Therefore, you need to be an entertainer. You don t need to have all the skills required before you start the business, you will learn from parents and other babysitters as you go on.





5 low cost business ideas to start at university: Starting a business

#business ideas for college students

#

5 low cost business ideas to start at university

Some of the world’s most famous entrepreneurs started businesses while at university; Mark Zuckerberg, Bill Gates, Sergey Brin, Larry Page – the list goes on – so what’s stopping you from starting up whilst studying?

According to recent research from Santander. over 80,000 UK university students currently run businesses while studying and collectively generate turnover of over £44m. Impressive to say the least. What’s more, over a quarter of this number plan to turn their businesses into a full-time career upon graduation.

Action point: Need a loan to start a business of your own? See how we can help here and here

Dubbed “student start-ups”, budding young entrepreneurs are maximising on being within the university environment to launch a start-up and fund their education, pursue interests, and gain “invaluable work experience as a result of their entrepreneurial ventures”.

A report from Direct Line for Business also emphasised the fact that entrepreneurialism is alive and kicking in UK universities. It found that more students than ever before are now starting businesses, with popular undergraduate start-ups ranging from creative businesses like clothing design, to hospitality and events promotion and tech-focused firms such as software development.

And it would seem that there has never been a better time to start a business while at university, if the growing number of initiatives to encourage student entrepreneurs are anything to go by.

Earlier this year, Europe’s largest student start-up event opened in Liverpool hosted by the National Association of College University Entrepreneurs (NACUE), Mercia Fund Management launched a tax efficient fund for university spin-outs, and a number of universities have been actively doing their bit to promote enterprise. For instance the University of Southampton recently held a student hackathon to find great software concepts.

With 2015 a golden age for student entrepreneurs, we’ve compiled a guide to five of the top low-cost businesses to start at university, including case study examples from a number of high-profile university entrepreneurs that have scaled their ideas into successful businesses.

To help you get your university venture off the ground, you’ll also find a handy summary of the funding and support that is available to student and young entrepreneurs in the UK.

Click the buttons above or below to find out more about the best low cost business ideas to start while at university…

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5 low cost business ideas to start at university: Starting a business

#business ideas for college students

#

5 low cost business ideas to start at university

Some of the world’s most famous entrepreneurs started businesses while at university; Mark Zuckerberg, Bill Gates, Sergey Brin, Larry Page – the list goes on – so what’s stopping you from starting up whilst studying?

According to recent research from Santander. over 80,000 UK university students currently run businesses while studying and collectively generate turnover of over £44m. Impressive to say the least. What’s more, over a quarter of this number plan to turn their businesses into a full-time career upon graduation.

Action point: Need a loan to start a business of your own? See how we can help here and here

Dubbed “student start-ups”, budding young entrepreneurs are maximising on being within the university environment to launch a start-up and fund their education, pursue interests, and gain “invaluable work experience as a result of their entrepreneurial ventures”.

A report from Direct Line for Business also emphasised the fact that entrepreneurialism is alive and kicking in UK universities. It found that more students than ever before are now starting businesses, with popular undergraduate start-ups ranging from creative businesses like clothing design, to hospitality and events promotion and tech-focused firms such as software development.

And it would seem that there has never been a better time to start a business while at university, if the growing number of initiatives to encourage student entrepreneurs are anything to go by.

Earlier this year, Europe’s largest student start-up event opened in Liverpool hosted by the National Association of College University Entrepreneurs (NACUE), Mercia Fund Management launched a tax efficient fund for university spin-outs, and a number of universities have been actively doing their bit to promote enterprise. For instance the University of Southampton recently held a student hackathon to find great software concepts.

With 2015 a golden age for student entrepreneurs, we’ve compiled a guide to five of the top low-cost businesses to start at university, including case study examples from a number of high-profile university entrepreneurs that have scaled their ideas into successful businesses.

To help you get your university venture off the ground, you’ll also find a handy summary of the funding and support that is available to student and young entrepreneurs in the UK.

Click the buttons above or below to find out more about the best low cost business ideas to start while at university…

Comments

Useful business start up tools

Forum post of the week

More business ideas.

Want to run a more profitable business?

More from Startups





25 Free Low Cost Advertising Tips by Small Business Expert Tom Egelhoff

#business advertising

#

25 Free Low Cost Advertising Tips

by Tom Egelhoff

(Tom’s FREE Podcast for this topic is available. – For More Info Click Here)

If there is one mistake small town businesses make more often than any other it’s, What ever is left over, we’ll use for advertising.

Marketing and advertising is an investment, not an expense. I know it sure seems like an expense to me when I’m writing the check, but trust me it’s not.

Without enough money put aside for advertising your sales can go down and you suddenly have less and less for promotion.

When do you advertise the most? For most businesses it’s the first day of business. Don’t you have a Grand Opening, balloons, flyers, ads, on-site radio stations, contests, and prizes? Did the income from sales pay for that? No, it didn’t. You advertise most when you need business. You advertise more when you don’t.

An average cost of advertising is usually 1 to 5% of gross sales, which can vary according to location, local advertising rates, and industry. Car dealers need more advertising than funeral homes.

Before we get to the 25 tips let’s look at the basic strategies of successful advertising.

* In order to be successful, your advertising must provide a consumer benefit or solve a problem.
* That benefit or solution must be wanted by the consumer.
* The product or service you are offering must be tied directly to that benefit or solution.
* The benefit or solution must be distinctly communicated through medial advertising. In other words, be clear, forget the advertising glitz and make sure the message isn’t lost in the ad.

A small-budget advertiser doesn’t have the ”deep pockets to develop big advertising campaigns. Some time you need to break the rules to be noticed. Avis did it by admitting they were Number 2 in the car rental business and that campaign took them from 6th place to second place. When they stopped that campaign they dropped back to 6th again. In the past year they have gone back to it.

Budget conscious advertisers must achieve top results for their advertising dollar. Expand your dollars by adopting some creative techniques.

Here’s 25 tips I hope will help you.

  1. Radio, newspapers and magazine specialists will frequently give free help in developing an advertising strategy. Things like demographic information, money-saving ways to produce your ads etc.
  • Place your ads in off hours or in unusual locations for less. Many times you can still reach your target market with these spots.
  • Instead of a one-time big splash ad, be consistent with frequent small ads that work.
  • Monthly magazines sometimes have unsold ad space at the end of the month they will sell at a discount.
  • If you have an 800 number, put it in every ad for immediate response and feedback.
  • Try advertising consistently in the classifieds. These ads may draw more customers than more expensive display ads.
  • Can you barter for the cost of ad production? Maybe the newspaper needs painting in exchange for an ad about your paint store.
  • Piggyback advertising are the ads you receive with your Mastercard bill. Is there someone in your town that sends out a lot of bills? Can you put a small flyer in with their bills and split the postage? Or pay a small fee?
  • Split advertising costs with the people who sell to you. Vendors and manufactures are always looking for exposure. Let people know you carry their products and have the vendor pick up part of the ad cost.
  • Are there up front advertising discounts for cash?
  • Consider advertising in regional issues of national magazines. The costs are lower and you can still reach your target market. TV Guide is a good choice. It stays around for at least a week. Time, Newsweek, and US News and World Report may stay in local doctors offices for years.
  • Share ad costs with neighbor business. Video stores and Pizza parlors are natural partners. Have coupons to each others stores or share the cost of flyers.
  • Try reducing the size of your ad (not in the Yellow Pages) or length of your radio spots. A 60 second spot is not twice as much as a 30 second spot but you won’t get twice as many customers for a 60 over a 30. Going with small ads or shorter spots will allow you to do more ads which normally pulls more customers. It’s better to be there every day with small ads than every month with one big one.
  • Develop tight production controls to minimize the need to reject finished ads. The message is more important than the messenger. Don’t try to produce ads that win awards, produce ads that sell.
  • Who are your very best customers? Aim your ads to talk directly to people like them.
  • What will suppliers give you in the way of point-of-purchase materials. Posters, stand ups, handouts, etc. Some have excellent display racks you can use.
  • Some national chains like Coke and Pepsi provide outdoor signs for businesses. There are also indoor lighted signs you write on with special markers to advertise your special offers.
  • Can you sponsor a community event? A fun-run, golf tournament, or other event that will be well publicized in the community. Your name may not be prominently displayed but sometimes the positive exposure in the community will bring in new customers.
  • Small businesses can seldom afford saturation advertising. You must be selective in the media that reaches your customers. Pin your ad reps down and make them show you exactly how their media reaches your target audience.
  • Exploit the media you choose to the fullest. If your message is verbal, you don’t need TV. Use radio, billboards and newspapers to the fullest.
  • Consider direct mail. A letter and brochure before customer contact can increase business. An IBM study concluded that selling time can be reduced from 9.3 to 1.3 total hours with direct mail advertising. A Sales and Marketing Executives International Study showed salespeople went from eight orders per 100 cold calls to 38 orders per 100 when direct mail was used.
  • Try an editorial style ad. These are ads that look like actual stories in the newspaper. They will have advertisement at the top of the article. Develop a good headline, and 50% more people will read the article than would read an ad of the same size.
  • You can’t match larger competitors dollar-for-dollar but, you can use unusual approaches (like the Avis idea above), color, music, slogans, humor (be careful here), or media selection to win your market away from the big guys.
  • Due to the high costs of conventional advertising on, radio, TV, newspapers, many cost conscious business have been forced to look for lower cost methods. Can you advertise on parking meters, taxi boards, balloons, blimps, and grocery shopping carts. Community bulletin boards, movie ads, and weekly newspaper shoppers.
  • Key your ads. Put something in the ad that will let you know which media it came from. On coupons, put a code that will record the paper and date of the ad. In radio or TV, have them mention the ad to get the discount. Ask every customer how they found you.
  • Plan for a rainy day. During the year put a small amount aside each month for emergencies. You never know when you’ll need to react quickly to whatever the competition is doing. You must be able to capitalize on breaking national events or news regarding your industry. If negative things happen in your industry you may need to respond quickly to make sure the right message is presented.
  • Always give the customer more than you promised and more than they expected. This is tip number 27 of the 25 we advertised. Maybe this last one is the one you needed.
  • I hope these tips will help your business grow. Not all may be relevant to your particular situation. Hopefully, they will illustrate the importance to plan and control your advertising budget.

    Listen in on Tom’s weekly radio show Open For Business on AM 1450 KMMS Radio, Bozeman.
    Have a business question for Tom? Click here to get Tom’s advice for free.
    Stay up to date on business issues. Join Tom’s Blog.

    This article may be reproduced for your non-profit group or organization provided it is not altered in any way and the following is attached:

    Based in Bozeman, MT, Tom Egelhoff is the author of How To Market, Advertise Promote Your Business Or Service In A Small Town. and The Small Town Advertising Handbook: How To Say More And Spend Less. He is also a seminar and workshop presenter and trainer. He may be reached at 888-550-6100 or PO Box 271, Bozeman, MT 59771-0271

    Would you like Tom Egelhoff to speak at your business function or convention?
    Click here for information, topics and pricing.





    10 Things You Should Know About Long-Term Care #long #term #disability #cost


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    10 Things You Should Know About Long-Term Care

    Updated January 2015

    As the population ages, more and more of us will require long-term care for our families and ourselves. The numbers are astounding. By 2050, there will be 80 million Americans 65 and older — twice as many as today. But many people are confused about what long-term care entails and who pays for it. Take our quiz to see how much you know about long-term care and how you can prepare for what could be one of the biggest expenses of your life.

    Quiz | 10 Things You Should Know About Long-Term Care

    Question 1 of 10

    Which of the following best defines long-term care services:

    A. rehabilitative services in a nursing home B. help with personal care, such as eating, bathing and dressing C. hospice care

    Quiz | 10 Things You Should Know About Long-Term Care

    Question 1 of 10

    Which of the following best defines long-term care services:

    A. rehabilitative services in a nursing home B. help with personal care, such as eating, bathing and dressing

    Long-term care is needed when you have a chronic illness or disability that causes you to need assistance with “activities of daily living” — such as bathing, dressing, eating and transferring from a bed to a chair — as a result of physical disability or cognitive impairment resulting from conditi. Read more

    Long-term care is needed when you have a chronic illness or disability that causes you to need assistance with “activities of daily living” — such as bathing, dressing, eating and transferring from a bed to a chair — as a result of physical disability or cognitive impairment resulting from conditions such as Alzheimer’s Disease. Less

    C. hospice care Next Question

    Quiz | 10 Things You Should Know About Long-Term Care

    Question 2 of 10

    What are the odds that a person 65 or older will need long-term care?

    Quiz | 10 Things You Should Know About Long-Term Care

    Question 2 of 10

    What are the odds that a person 65 or older will need long-term care?

    On average, about 70% of individuals over age 65 will require at least some type of long-term-care services during their lifetime. About 35% of them will need care in a nursing home. Although most people who need long-term care are older, a person can require care at any age as the result of an acci. Read more

    On average, about 70% of individuals over age 65 will require at least some type of long-term-care services during their lifetime. About 35% of them will need care in a nursing home. Although most people who need long-term care are older, a person can require care at any age as the result of an accident or lifelong disability. In fact, 40% of people currently receiving long-term care are adults 18 to 64 years old. Less

    C. 80% Next Question

    Quiz | 10 Things You Should Know About Long-Term Care

    Question 3 of 10

    What is the average cost of one year in a nursing home? (Hint: It’s expensive.)

    A. Less than $25,000 B. Between $25,000 and $85,000 C. Greater than $85,000

    Quiz | 10 Things You Should Know About Long-Term Care

    Question 3 of 10

    What is the average cost of one year in a nursing home? (Hint: It’s expensive.)

    A. Less than $25,000 B. Between $25,000 and $85,000 C. Greater than $85,000

    According to Genworth’s Cost of Care Survey, the national median cost of a private room in a nursing home in 2014 was more than $87,600, which is a 4.35% increase from 2013. And prices vary by region: In Louisiana, the median rate is about $59,000 a year; in New York, it’s more than $130,000.

    Quiz | 10 Things You Should Know About Long-Term Care

    Question 4 of 10

    What is the national median cost of one year in an assisted-living facility, which provides an intermediate level of long-term care?

    A. Less than $30,000 B. Between $30,000 and $60,000 C. Greater than $60,000

    Quiz | 10 Things You Should Know About Long-Term Care

    Question 4 of 10

    What is the national median cost of one year in an assisted-living facility, which provides an intermediate level of long-term care?

    A. Less than $30,000 B. Between $30,000 and $60,000

    In 2014, the national median cost of assisted living was $42,000 a year. Rates range considerably across the U.S. The median rate is $30,000 in Missouri but more than $65,000 in New Jersey. Assisted living bridges the gap between home care and nursing homes. Residents may need help with personal car. Read more

    In 2014, the national median cost of assisted living was $42,000 a year. Rates range considerably across the U.S. The median rate is $30,000 in Missouri but more than $65,000 in New Jersey. Assisted living bridges the gap between home care and nursing homes. Residents may need help with personal care or household chores, but they don’t need round-the-clock care normally provided in nursing homes. Less

    C. Greater than $60,000 Next Question

    Quiz | 10 Things You Should Know About Long-Term Care

    Question 5 of 10

    Medicare won’t pay for long-term-care services.

    Quiz | 10 Things You Should Know About Long-Term Care

    Question 5 of 10

    Medicare won’t pay for long-term-care services.

    Medicare, the federal health-care program for people 65 and older, covers medically necessary care in short-term settings such as a hospital or doctor’s office. And while Medicare will help pay for limited stays in nursing facilities, hospice care or home health care under certain circumstances, it. Read more

    Medicare, the federal health-care program for people 65 and older, covers medically necessary care in short-term settings such as a hospital or doctor’s office. And while Medicare will help pay for limited stays in nursing facilities, hospice care or home health care under certain circumstances, it doesn’t cover personal or custodial care, which constitutes the bulk of long-term-care services. Less

    B. False Next Question

    Quiz | 10 Things You Should Know About Long-Term Care

    Question 6 of 10

    Anyone who needs nursing-home care can qualify for Medicaid to pay their bills.

    Quiz | 10 Things You Should Know About Long-Term Care

    Question 6 of 10

    Anyone who needs nursing-home care can qualify for Medicaid to pay their bills.

    Although Medicaid, the joint federal/state health-care program for the poor, pays the bulk of long-term-care costs, there are strict income-eligibility rules. Rules vary from state to state, but generally individuals must spend down most of their assets to their last $2,000 to qualify for Medicaid-p. Read more

    Although Medicaid, the joint federal/state health-care program for the poor, pays the bulk of long-term-care costs, there are strict income-eligibility rules. Rules vary from state to state, but generally individuals must spend down most of their assets to their last $2,000 to qualify for Medicaid-paid long-term care. Married couples have different eligibility requirements. The healthy spouse can retain the family home, car, personal income and half the couple’s assets up to certain limits. Most states, though, now offer a long-term-care partnership program that allows you to protect more of your assets if you exhaust the benefits of your long-term-care policy and need Medicaid to take over your bills. Less

    Quiz | 10 Things You Should Know About Long-Term Care

    Question 7 of 10

    How long can Medicaid “look back” over your financial records to determine if you gave away money that would disqualify you from receiving government-financed long-term care for a period of time?

    A. 1 Year B. 3 Years C. 5 Years D. 10 Years

    Quiz | 10 Things You Should Know About Long-Term Care

    Question 7 of 10

    How long can Medicaid “look back” over your financial records to determine if you gave away money that would disqualify you from receiving government-financed long-term care for a period of time?

    A. 1 Year B. 3 Years C. 5 Years

    Stricter, new rules make it harder to give away your assets so you look poor enough on paper to qualify for Medicaid. The government can review all your financial transactions for the prior five years. If you gave away any money during that time, you would be denied Medicaid coverage for a period of. Read more

    Stricter, new rules make it harder to give away your assets so you look poor enough on paper to qualify for Medicaid. The government can review all your financial transactions for the prior five years. If you gave away any money during that time, you would be denied Medicaid coverage for a period of time. The penalty period, which begins the day you apply for Medicaid, is based on how much money you gave away divided by the average cost of a nursing home in your area. You may have to turn to your family for help paying your bills. Less

    D. 10 Years Next Question

    Quiz | 10 Things You Should Know About Long-Term Care

    Question 8 of 10

    People buy long-term-care insurance to:

    A. pay for long-term-care expenses B. let them choose where they receive care C. preserve a legacy for heirs D. all of the above


    Colorado Auto Insurance Premiums #colorado, #auto #insurance, #premiums, #survey, #cost, #no-fault, #tort,


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    Colorado Auto Insurance Premiums

    Colorado Market Outlook

    2007 represents the best Colorado auto insurance market for consumers in more than a decade:

    Premiums have plummeted more than 32% from May 2003 to May 2007 for the majority of drivers with full policy coverage, which includes both mandatory and optional benefits: liability, personal injury protection (2003 only), medical payments coverage, collision and comprehensive. That adds up to an average annual premium drop from $1,289 in 2003 compared to $872 in 2007 or an average savings of $417 per car.

    For consumers who purchased mandatory liability, plus optional uninsured motorists and medical payments coverage the average annual premium (excludes comprehensive and collision) decreased by 40.7% or an average annual premium of $899 in 2003 compared to $533 in 2007 (RMIIA/PCI 2007 industry rate survey) .

    Colorado Auto Premiums Continue to Drop Since No-Fault Sunset

    Those double digit decreases represent historic reductions during a time that nationally car insurance rates were still rising, until a 0.5% decrease in 2006. While claim frequency is down countrywide and in Colorado, the cost for car repair and medical treatments is going up. However, Colorado consumers are benefiting from a stabilization of the market since the legislature repealed its no-fault auto insurance system in 2003. Under no-fault, many auto insurance consumers were also paying twice for health insurance and extra medical coverage under their car insurance, not to mention military and others who received government-funded medical coverage who were paying for expensive mandated auto insurance that they didn’t need.

    Colorado Premium Examples

    To provide a snapshot of Colorado auto premium trends as the state moved from a no-fault to a tort auto insurance system on July 1, 2003, the Property Casualty Insurers of America (PCI ) and RMIIA surveyed company premiums before and after the change, using two specific consumer examples for six geographical areas: Denver, Pueblo, Sterling, Fort Collins, Grand Junction and Colorado Springs.

    Below are six-month auto insurance policy rates for the following risk:

    Household with two drivers (35-year-old married couple) with prior insurance, good credit history and no traffic violations.

    2001 four-door Ford Taurus, used primarily for commuting; 13,500 annual miles.

    Liability limits $100,000/$300,000 Bodily Injury (BI ), and $50,000 Property Damage (PD ); Uninsured/Underinsured Motorist (UM/UIM ) limits $100,000/$300,000.

    June 2003: Personal Injury Protection (PIP ); on or after July 1, 2003: Rates were calculated both for including and excluding $5,000 Medical Payments (MP ) coverage.

    The 2nd and 4th examples within each ZIP code also include $500 deductible collision coverage and $250 deductible comprehensive coverage.

    Multi-line and multi-car discounts apply.

    6-month policy in Denver ZIP 80203

    The 16 companies that provided data represent approximately 50% of the Colorado market. The average rates above are weighted using the statewide premium volume of each participating company.

    The consumer rate example survey, above, conducted by Property Casualty Insurers Association of America (PCI) and the Rocky Mountain Insurance Information Association (RMIIA) provides a meaningful snapshot because it shows Colorado rate trends for six areas of the state, both urban and rural, and is based on real-life situations. The comparison rates the same 35-year-old married couple with the same risk factors based on average consumer purchasing decisions. The premium survey shows that from June 2003 (under no-fault) to May 2006 (nearly three years with a tort system) a liability-only, six-month auto policy decreased on average from 28-41%. The largest overall decrease for this type of policy from June 2003 to May 2006 was in Pueblo with a 41.7% premium reduction. Denver’s average decrease for the same policy was 40.4%.

    The comparison also breaks down coverage costs for the couple if they opted to purchase $5,000 in medical payments coverage. Under a tort policy with liability and medical payments coverage (the average amount purchased in Colorado and nationally) the overall savings was 16% to 30%. The survey also included premium comparisons with optional comprehensive and collision coverage.

    Immediate Savings After No-Fault

    The immediate savings for insurance consumers is that they are no longer required to pay for costly Personal Injury Protection (PIP) coverage. PIP was a mandated no-fault medical coverage that included payment for high-priced, non-traditional treatments leading to very expensive auto insurance for everyone. According to a 2003 study by the Insurance Research Council (IRC) on no-fault states, average Colorado PIP claims soared by 122% from 1997 to 2002, more than double the PIP claim increases in New York, which still rose by 60% in the same five-year period and triple the PIP claims increases in Florida (37%). Colorado consumers felt those increases directly in their pocketbooks in 2002 and 2003, when Colorado PIP premiums rose by as much as 80%.

    Long-Term Premium & Purchasing Trends

    How much auto insurance costs the average consumer is an easy question with a complex answer. Since Colorado moved away from no-fault auto insurance, the average cost of a Colorado auto insurance policy is significantly reduced and premiums have begun to stabilize to reflect national market trends.

    The biggest long-term factors that impact Colorado insurance premiums as the state moves to tort include: 1) how much insurance consumers purchase, 2) individual risk factors, and 3) insurance companies’ ability to control and operate without the claims abuses that riddled the state’s no-fault system. Of course, the price of what auto insurance pays for will always be the underlying driver of premiums, such as hail storms and the number of motor vehicle accidents. Both nationwide and here in Colorado, people are actually filing fewer claims and the severity of injuries is down, but the cost to pay those claims is higher due to rising cost of medical care, vehicle repair and jury awards.

    One Size Auto Insurance Doesn’t Fit All

    Colorado consumers now have more control over what they pay for auto insurance. Premiums still depend on traditional risk factors, such as where Coloradans live, what kind of cars they drive and their personal driving records. Colorado drivers are still required to buy liability coverage to pay for medical bills and property damage when they cause an accident, but they now get to decide how much additional health and liability insurance they need to purchase based on their own personal insurance and financial situations.

    Consumers have not experienced identical savings under the transition from no-fault to tort what people pay for auto insurance still varies by company and depends on individual risks and purchasing decisions. For example, some Colorado motorists purchase extra medical coverage under their auto policies whether they have health insurance or not. Others use the premium savings from not having to buy auto medical coverage to buy extra liability coverage to protect their personal assets. And some decide that they don’t need to increase their liability or medical coverage and spend that extra money on other personal and family expenses.


    Cost of Laser Spine Surgery – Consumer Information #laser #spine #surgery, #laser


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    Laser Spine Surgery Cost

    Unlike traditional spine surgery, in which doctors might rely on a high-speed drill or electrocautery [1 ] to repair or remove damaged areas, in laser spine surgery, a focused light beam is used to cut through tissue.

    • Traditional spine surgery can cost from $6,000-$70,000, depending on the specific procedure, the type and complexity of the condition being treated, and the region in which it is performed. For example, at Saint Elizabeth Regional Medical Center [2 ] in Lincoln, NE, average spinal surgery costs are $39,871. However, because of the technology it requires, laser spine surgery can result in higher starting costs, and typically costs $30,000-$90,000 or more. What’s more, unlike traditional spine surgery, which is typically covered by health insurance, patients must often pay most of the cost themselves.
    • According to the Central Texas Spine Institute [3 ] in Austin, TX, many health care providers consider laser spine surgery experimental and do not cover it. Others may cover only part of the procedure. In one online forum [4 ]. one laser spine surgery patient complained that Aetna would not cover any portion of the $70,000 in total costs for the procedure. A patient in another forum said that his health care provider, Blue Cross Blue Shield, would only pay about $10,000 of a $30,000 charge.

    Related articles: Back Surgery. Back Brace. Spinal Traction. Health Insurance

    What should be included:

    • The Mayo Clinic advises patients not to proceed with any type of spine treatment until they first see a medical spine specialist who can evaluate symptoms and diagnose their cause.
    • Laser spine surgery is most often performed in outpatient facilities or specialized centers. According to Advanced Spine Surgery Center in Union, N.J. the procedure involves inserting an endoscope, a thin tube with a micro video camera attached to it, through an incision less than an inch in size near the affected area. A laser is then used to perform the surgery to repair or remove the affected tissue. General anesthesia is usually unnecessary.
    • Proponents [5 ] of the procedure note that it is minimally invasive, allows surgeons to precisely target areas of the spine, and brings a quick recovery time, which may be as little as a few days to week.

    Additional costs:

    • Post-operative check-ups may be required.
    • Following surgery, some patients may need to use over-the-counter pain relievers [6 ] such as buprofen, which can cost about $5 -$25, depending on the quantity and whether the patient buys a name brand or its generic equivalent.

    Discounts:

    • Some laser surgery centers offer to connect out-of-town patients with discounted travel and accommodation if needed.

    Shopping for laser spine surgery:

    • Though the surgery has gained in popularity, according to the Mayo Clinic, its effectiveness has never been studied in a controlled clinical trial and most neurosurgeons don’t use the procedure since there are no clear benefits over more well-established techniques. There has been some controversy [7 ] surrounding laser spine surgery centers, with more than a dozen malpractice suits filed against a leading purveyor, the Tampa, FL-based Laser Spine Institute, since 2009.
    • LaserSpineSurgeon.com offers a checklist of questions patients considering the procedure should ask doctors.

    Material on this page is for informational purposes only and should not be construed as medical advice. Always consult your physician or pharmacist regarding medications or medical procedures.

    Medical Center: Greenville Medical Center

    I was in an accident. I am also a medical professional with over 20 yr.’s experience, as an Occupational Therapist, both treating rehab patients, and created a 21-inpatient department for a major hospital in Bucks County, PA. I treated people like I am now. I also have a Degenerative Avascular Necrosis of the Left hip. I have MRI’s. and have seen people at Greenville, SC. Medical Center who say it is small. I don’t believe a necrosis is small. It will grow. Necrosis always do, and destroy my left hip given time. I don’t believe that necrosis don’t just go away. They eat away your insides. That is why they are called NECROSIS. I need help. I am in Greenwood, SC. I have a son age 21 who suffers with me. I also have fractures at at L3 L4, a building disc in the thoracic. I have not taken any pain killers, as I am allergic. and have a reaction to pain meds. I live in PAIN.
    Please be honest and tell me the truth. Is there anything you can do to help me.

    Was this post helpful to you? yes no


    24 Hour Bail Bonds #24 #hour #bail #bonds, #bondsman, #bail #bonds #service,


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    Welcome To Reliable Bail Bonds

    Oops! Looks like you don’t have javascript enabled. Please enable javascript in your browser or contact our customer support team to resolve this issue.

    Information: Have you ended up in jail and need 24 hour bail bonds to help get you out? Are you on the searching for ‘bail bonds near me’ because someone you know needs help getting out of jail? If you said ‘yes’ to any of these questions, you want to make sure that you hire a bondsman that you can trust and completely depend on. If you are ever in need for a bail bonds company around Denver, Colorado, make sure to call Reliable Bail Bonds. As a 24 hour bail bonds company, we are here whenever you need us, no matter what.

    When it comes to being in jail, we understand how hard and stressful it can be. No one wants to be locked up behind bars. That is why we are here to help you. Being behind bars is difficult and we want to ease the situation. As a bail bonds company. we have the highly-trained agents you will go above and beyond to ensure that you get the services that you need. We treat all of our clients with dignity to ease the situation and make the process of getting the bail bonds that you need quick and easy. Many people use our services because we treat our clients with the type of professionalism and friendly service that they can count on.

    So if you are searching for ‘bail bonds near me’ around Denver, or around the surrounding areas, stop what you are doing immediately and call us right away. When it comes to great 24-hour bail bonds service. you surely cannot find a better bondsman around the area that can provide you with the quality services that we can, here at Reliable Bail Bonds. Here at Reliable Bail Bonds. we don’t treat our clients like criminals. Get the respect and professional service that you need to get out of jail. Call Reliable Bail Bonds. Learn More

    Address

    3934 N. Federal Blvd.
    Denver, CO 80211

    Hours

    Additional Articles

    GM SUV Suspension guide #cost #of #suv


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    GM’s full-sized SUVs, the Chevrolet Avalanche, Tahoe and Suburban, the GMC Denali, Yukon and Yukon XL and the Cadillac Escalade, came with several different suspension options. It can be confusing when buying replacement shocks and suspension to try to figure out if your SUV has a premium Smooth Ride or Autoride.

    Every vehicle that GM produces comes with a sticker listing the alpha-numeric codes of all of the vehicle’s options. These are known as RPO codes and can be very useful when trying to determine what type of suspension your GM SUV has. There are 3 different “styles” of suspensions that these vehicles come with.

    Conventional: there are numerous RPO codes for different types of conventional suspensions, the most well-known being Z71 and Z66. These suspension codes are interchangeable and standard aftermarket shocks will fit any type of conventional suspension. This suspension uses the most basic components: a coil spring or torsion bar spring with a conventional gas charged shock absorber. The Bilstein Heavy Duty and 5100 Series or the KYB Monomax and Gasajust are popular performance replacements. The KYB GR2 and Monroe Reflex and Sensatrac are good quality OEM replacement shocks.

    Premium Smooth Ride: indicated by the RPO code ZW7. This suspension uses a conventional suspension in the front, but the rear uses a self-contained, self-leveling Nivomat shock in the rear. ZW7 equipped trucks come with a softer spring in the rear since the Nivomat self-leveling system does some of the work of holding the truck up. Replacing a ZW7 Nivomat unit with a standard shock requires also replacing the spring, otherwise the truck will sag in the rear and have a much harsher ride and potentially dangerous handling.

    Autoride: indicated by the RPO code Z55. This suspension system uses electronic shocks in the front that automatically adjust to road conditions, becoming stiffer or softer as necessary. The rear will use an electronically controlled self-leveling air shock that is monitored by ride height sensors and inflated remotely from an on-board air compressor.

    This is a RPO sticker for a GM SUV with Z55 Autoride. This sticker is always found on the inside of the glove box door. You can see the codes are in numerical order and that this vehicle came equipped with the Z55 Autoride suspension.

    In a nutshell, these are your options with a Z55 Autoride Suspension:

    1. Convert the vehicle to a conventional high-end monotube shock suspension with shocks and springs. It will shut off your computer and air system and will help you avoid costly future repairs, but let you keep the same smooth ride. A conversion kit typically costs around $600.

    2. Eliminate the computer system with premium shocks, but keep the air ride leveling system for towing. This is for people who tow a boat or a trailer. This eliminates the electronic shocks but keeps your rear air system operational for towing heavy weight. This will cost around $779.

    If you need to replace the air compressor for this system choose part P-2793 Arnott Air Compressor Avalanche, Escalade, Tahoe, Yukon, Suburban.


    Motorcycle Insurance Minneapolis Minnesota Quotes Online #motorcycle #insurance #minneapolis #minnesota, #motorcycle #insurance


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    Motorcycle Insurance Minneapolis Minnesota

    Why do you need insurance for your motorcycle?

    You’ll enjoy being out on the open road even more when you’re not worried about the safety of yourself, your passengers or your investment. Here are a few things to consider:

    • If you’re in an accident or your motorcycle is stolen, it costs money, often a lot of money, to fix or replace it.
    • If you or a passenger is injured in an accident, medical costs can be extremely expensive.
    • If your motorcycle is responsible for damage or injury to others, you may be sued for much more than you’re worth.
    • Your motorcycle may be one of your most prized possessions. It deserves special protection.

    Things to consider and questions to ask your agent

    Your Independent Agent is an advocate for finding insurance that meets your specific needs. Here are a few things to consider as you prepare for the discussion:

    • How much can I afford to pay if my motorcycle is in an accident, damaged or stolen? (Ask your agent what your cost savings would be if you raised your deductible.)
    • What discounts and programs are available? (Ask about discounts for taking safety classes or having multiple policies. You may also save money if your motorcycle is stored in a garage or if you belong to a motorcycle association.)
    • How much medical and liability coverage should I have?
    • Does the insurance company have a good reputation for customer service? Is it known for paying claims fairly and promptly?
    • What’s the process for filing and settling a claim?

    Tips for the cost-conscious rider

    Many factors can play a role in determining what your insurance costs will be such as your age, your driving record, where you live and the type of motorcycle you own, or being a graduate of a rider-training course.

    • Many companies offer discounts from 10 to 15 percent on motorcycle insurance for graduates of training courses, such as the Motorcycle Safety Foundation (MSF) rider course. Riders under the age of 25, usually considered a higher risk, may see some savings by taking this course. It’s also a good idea for cyclists who have already had accidents.
    • Maintaining a good driving record with no violations will also help reduce your premiums.
    • In many northern states, riders may save money by buying a “lay-up” policy. With a lay-up policy, all coverage except comprehensive is suspended during winter months.
    • Find out what discounts your insurance representative offers. Multibike discounts for those insuring more than one bike, organization discounts, if you’re a member of a motorcycle association, and mature rider discounts for experienced riders, are just a few possibilities. Discounts can range anywhere from 10 percent to 20 percent, depending on the company and your state. Availability and qualifications for discounts vary from company to company and state to state.
    • Keep in mind that the type, style (such as a sports bike vs. a cruiser) and age of the motorcycle, as well as the number of miles you drive a year and where you store your bike may also affect how much you pay for your premium.

    The mandatory liability insurance law in Minneapolis Minnesota states that there are minimum requirements for liability insurance on a vehicle when it is registered to be on the road. The minimum liability requirements are:

    • $30,000 for death or bodily injury per person.
    • $60,000 for death or bodily injury per accident.
    • $10,000 for property damage.

    We can make sure you have the required liability coverage to get your motorcycle on the road today. Probably the best part about shopping with InsuranceTrak is that you can get online auto insurance quotes Minneapolis Minnesota right from our website! Simply complete the form at the top of this page to get started. You’ll receive instant insurance quotes for auto insurance returned directly to your screen on our website! If you’d rather speak to a human being, no problem. You can call us anytime at 585-282-0934 to get a quote.

    Below are some cities in which we cover insurance:

    Helpful Information for Minneapolis Minnesota Motorcyclists

    InsuranceTrak is here to serve all your personal insurance needs!


    HVAC System Replacement Costs #hvac #replacement #cost #calculator


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    HVAC System Replacement Costs

    There are several factors affecting HVAC system replacement costs. In this guide, we outline those factors and give you a good idea of what you can expect as you make decisions about your next residential heating and cooling system.

    Factors Affecting HVAC System Replacement Costs

    1. Quality and Performance: All top HVAC manufacturers make a variety of models to meet the demands of diverse consumers. The top-quality products are usually also the best performing products. Staged heating and cooling, variable-speed blowers and communicating technology are common in the top of the line models, which are also the most expensive models. Lesser models feature single-stage and single-speed performance. They will cost less, sometimes significantly less.

    2. Efficiency: This factor doesn’t always correspond to quality. Top brands make their best models in a variety of efficiency levels to accommodate customers in differing climates. For example, Trane’s 2 best furnaces are the 95% efficient XC95 for use in cold climates and the 80% efficient XC80 for use in milder climates. The more efficient a product is, the more it will cost.

    3. Size: The larger capacity components you need, the more they will cost. However, this factor is not as significant in the overall cost as the other factors.

    4. Removal and disposal of the old HVAC system: Disconnecting and removing the old HVAC system can be a time-consuming job. There may be additional charges to properly dispose of it in your area. The cost of removing and disposal of the old system might add $300 to $500 to the total cost.

    5. Installation: The cost of installation can vary quite a bit. The relative ease or difficulty of the installation, including the amount of extra material (gas line, vent pipe, refrigerant line, sheet metal, etc.) will greatly affect installation costs. The time of year may also be a factor. For example, if you need to have an HVAC system replaced in the heat of summer, installation will probably cost more at that time because it is a busy time for HVAC contractors. If you can have the system replaced during a slower period for contractors, you will likely receive more competitive estimates.

    HVAC Equipment Costs

    We base our equipment costs on systems that would fit an average home, 1,600 to 2,000 square feet. We use a 100,000 Btu furnace and a 3 ton air conditioner or heat pump. Lower efficiency, lower quality models will cost less. Higher efficiency, higher quality models cost the most. In terms of installation, the more time and materials are needed, the more it will cost.

    Gas furnace price range: 1,000 to $2,800

    Air Handler price range: $800 to $2,200

    Heat pump price range: $1,400 to $3,500

    Air conditioner price range: $1,000 to $3,000

    Indoor coil for heat pump or air conditioner: $500-$700

    Installation costs for an entire HVAC system including additional materials: $3,000 to $5,000

    Totals for Different Types of Systems

    Split system with gas furnace and central air conditioner, installed: $5,500 to $11,500

    Split system with heat pump and air handler, installed: $5,700 to $11,000

    Split system with a heat pump and gas furnace, installed: $5,900 to $12,000

    As you consider different systems for your home, these estimates will give you a very good idea of what to expect. Don’t forget to add the potential cost or removing and disposing of the old system. Be sure to get at least 3 estimates from local qualified contractors in order to get the best prices on equipment and installation.

    Related Posts

    • Best Residential HVAC Systems
    • What is an HVAC Diffuser?
    • How to Choose an HVAC Contractor
    • What Can I Expect to Pay for a New Residential HVAC System?
    • Can Solar Be Used for New HVAC Systems
    • What Are HVAC Ratings?

    Revaluation of Fixed Assets Journal Entries #revaluation, #fixed #assets, #non-current #assets, #journal


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    Revaluation of Fixed Assets

    Revaluation of fixed assets is the process of increasing or decreasing their carrying value in case of major changes in fair market value of the fixed asset. Internation Financial Reporting Standards (IFRS) require fixed assets to be initially recorded at cost but they allow two models for subsequent accounting for fixed assets, namely the cost model and the revaluation model.

    Cost Model

    In cost model the fixed assets are carried at their historical cost less accumulated depreciation and accumulated impairment losses. There is no upward adjustment to value due to changing circumstances.

    Example:

    Axe Ltd. purchased a building worth $200,000 on January 1, 2008. It records the building using the following journal entry.

    The building has a useful life of 20 years and the company uses straight line depreciation. Yearly depreciation is hence $200,000/20 or $10,000. Accumulated depreciation as at December 31, 2010 is $10,000*3 or $30,000 and the carrying amount is $200,000 minus $30,000 which equals $170,000.

    We see that the building remains at its historical cost and is periodically depreciated with no other upward adjustment to value.

    Revaluation Model

    In revaluation model an asset is initially recorded at cost but subsequently its carrying amount is increased to account for any appreciation in value. The difference between cost model and revaluation model is that revaluation model allows both downward and upward adjustment in value of an asset while cost model allows only downward adjustment due to impairment loss.

    Example:

    Consider the example of Axe Ltd. as quoted in case of cost model. Assume on December 31, 2010 the company intends to switch to revaluation model and carries out a revaluation exercise which estimates the fair value of the building to be $190,000 as at December 31, 2010. The carrying amount at the date is $170,000 and revalued amount is $190,000 so an upward adjustment of $20,000 is required to building account. It is recorded through the following journal entry:

    Revaluation Surplus

    Upward revaluation is not considered a normal gain and is not recorded in income statement rather it is directly credited to an equity account called revaluation surplus. Revaluation surplus holds all the upward revaluations of a company’s assets until those assets are disposed of.

    Depreciation After Revaluation

    The depreciation in periods after revaluation is based on the revalued amount. In case of Axe Ltd. depreciation for 2011 shall be the new carrying amount divided by the remaining useful life or $190,000/17 which equals $11,176.

    Reversal of Revaluation

    If a revalued asset is subsequently valued down due to impairment. the loss is first written off against any balance available in the revaluation surplus and if the loss exceeds the revaluation surplus balance of the same asset the difference is charged to income statement as impairment loss.

    Example:

    Suppose on December 31, 2012 Axe Ltd. revalues the building again to find out that the fair value should be $160,000. Carrying amount as at December 31, 2012 is $190,000 minus 2 years depreciation of $22,352 which amounts to $167,648.

    The carrying amount exceeds the fair value by $7,648 so the account balance should be reduced by that amount. We already have a balance of $20,000 in the revaluation surplus account related to the same building, so no impairment loss shall go to income statement. The journal entry would be:


    How to Find Affordable Health Care #health #care, #healthcare, #medical #care, #coverage,


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    How to Find Affordable Health Care

    Many kids in the United States aren’t covered by health insurance, or are covered by plans with high deductibles and limited benefits.

    If your kids are among them because you can’t afford adequate coverage or your employer-sponsored plan doesn’t cover everything, don’t despair. Programs are available that provide affordable even free medical care and are designed to meet or supplement a person’s medical insurance needs.

    Your kids could be eligible for coverage right now and you might not know it. Here are some options that may be available to your family.

    Enroll Your Child in a Public Program

    Two public programs work together in every state to provide health coverage for children in low- and middle-income families: Medicaid and Children’s Health Insurance Program (CHIP).

    Medicaid is run by states with a mix of state and federal funding. It offers health coverage for those with limited incomes, including children and parents, pregnant women, those with disabilities, and seniors. And kids might be eligible for coverage if they’re U.S. citizens or lawfully admitted immigrants, even if their parents are not.

    CHIP is a program funded by the federal government that each state administers. It provides health coverage for American kids under age 19 in working families who qualify based on their parents’ income. CHIP is often helpful for families with incomes too high for Medicaid, but who are still having a hard time affording health insurance.

    Each state has different CHIP rules. Some CHIP programs, for example, cover pregnant women as well as parents and related caregivers (such as grandparents raising their grandchildren). Each state has its own name for its CHIP and children’s Medicaid programs, too (for instance, the CHIP program in Delaware is called Delaware Healthy Children Program; in Connecticut, it’s called the Husky Plan).

    To learn about your state’s CHIP and Medicaid programs and other services available to your family, visit InsureKidsNow.gov or HealthCare.gov. There, you can apply for CHIP or Medicaid online. You also can call 1-877-KIDS NOW (1-877-543-7669) to find out about the CHIP program in your state.

    A child’s eligibility for these government programs is based on household income. Once your child is enrolled, you’ll receive a list of medical providers near you who accept CHIP/Medicaid patients. You can then make appointments with those providers any time your child needs to see a doctor and also be covered in case of an emergency.

    Find a Private Insurer

    The majority of kids from low- or middle-income families will qualify for free or low-cost health care through Medicaid and/or CHIP. But now, through the Patient Protection and Affordable Care Act, many privately run health insurance companies will offer similar benefits.

    You can find out if your family is eligible for a plan by visiting the virtual health insurance marketplace at HealthCare.gov. This government service and its website make it easy to apply for insurance and learn which programs are available in your area. By just filling out one application form, the marketplace allows you to compare and contrast the benefits of each plan, as well as compare out-of-pocket expenses like co-pays and deductibles for care.

    Visit a Local Community Health Center

    A federally funded community health center is another option for low-cost medical care for your kids. You can take your kids there for checkups, immunizations, treatment when they’re sick, dental care, prescription drugs, and mental health care.

    You also can go there for complete care yourself, including when you’re pregnant and for substance abuse care if you need it.

    These centers tend to offer medical care on a sliding scale based on your income. Depending on your situation, it could be free. These centers can help you get health insurance and usually will accept that insurance once you are enrolled.

    To find one near you, visit the Department of Health Human Services (DHHS) health center page and enter your zip code under “Find a Health Center.” Check the website of the center near you about services, costs, and hours and call ahead for an appointment. Some community clinics are only open on certain days or for limited times.

    Rural health centers, which are similar to federally funded community health centers, serve families in rural areas. You can find one in your state by visiting the Centers for Medicare and Medicaid Services website .

    Also, visit the National Association of Free and Charitable Clinics’ website to find a free or low-cost clinic. The U.S. has more than 1,200 free clinics, which are staffed by a volunteer workforce of doctors, dentists, nurses, therapists, pharmacists, nurse practitioners, technicians, and other health care professionals.

    You also might know about urgent-care centers, which are different from community health centers, rural health centers, and free clinics. These centers are designed for people who need care right away or when their doctors aren’t in the office. They can be expensive and might not take some types of insurance. Be sure to check with your insurance company before going to one of these.

    Talk Dollars With Your Doctors

    If your kids don’t qualify for a public program (such as Medicaid or CHIP), they need services that aren’t covered by your insurance, or you have a high deductible, you can try negotiating a reduced, cash-paying rate with your pediatrician before getting services. Cutting deals with doctors is done more often than you might think.

    Start by asking: “Do you accept patients on a fee-for-service basis?” If your insurance has a high deductible, consider yourself a self-paying patient until that deductible is met. So, your discussion about money with your doctor might begin like this: “I’m going to have to pay 20% of the cost of that procedure and I can’t afford it” or “that’s not covered by my insurance.” Talking dollars can be helpful because the doctor might be able to suggest less expensive treatments.

    And don’t be afraid to shop around for a doctor who can provide care at the lowest price. If specialist A agrees to do a certain type of surgery for $2,000, for example, and surgeon B can do it for $1,500, you’ll save $500 by going to doctor B. But be sure that you’re never compromising the quality of your child’s health care for cost. When comparing rates, look for providers who’ve been referred by your doctor or another source you trust.

    For suggested self-pay rates on a variety of medical services, visit Health Care Bluebook’s website .

    Because each provider typically receives payment separately, be prepared to negotiate with each provider your child sees. If the procedure you’re discussing for your child requires general anesthesia, for example, be sure to ask the surgeon which anesthesiologist she works with and contact that doctor, too, to negotiate a cash-paying price for his services. And don’t forget to ask if there’s a facility fee for where the surgery takes place and negotiate that, too.

    Find a Safety-Net Hospital

    In 1946 Congress passed the Hill-Burton Act, which gave hospitals and other health care facilities money for construction and modernization. In return, hospitals agreed to provide a reasonable volume of services to people who can’t pay. The program stopped receiving funds in 1997, but about 170 health care facilities nationwide still must provide free or low-cost medical services. These “safety-net hospitals” are committed to providing access to care for people with limited or no access to health care due to their financial situation, insurance status, or health condition.

    There are safety-net hospitals in every state except Alaska, Indiana, Maryland, Minnesota, Nebraska, Nevada, North Dakota, Rhode Island, South Dakota, Utah, Vermont, Wyoming, and all the territories except Puerto Rico.

    To qualify for free care at a safety-net hospital, you generally have to make a gross yearly income of less than $23,550 for a family of four. If you make more than that, you still may be eligible for reduced-cost care if your income is up to double that amount.

    You can get more information or find a safety-net hospital near you on DHHS’s safety-net hospital page .


    How Much Does CoolSculpting Cost? #how #much #would #life #insurance #cost


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    How much does CoolSculpting cost?

    Anne Cusack/Los Angeles Times via Getty Images

    You diet, you run, you work out. You live a healthy, positive lifestyle, and yet you still have some areas of stubborn fat that refuse to firm up or fade away.

    If you are in this situation, you may consider cosmetic surgery for removing the fat, including the CoolSculpting brand treatment.

    This process, approved by the U.S. Food and Drug Administration (FDA) in 2010, is a noninvasive, nonsurgical skin-care treatment with proven results for reducing fat in key areas of the body.

    So how much does CoolSculpting cost?

    Prices for the procedure vary, especially as you may require more than one treatment; and as health insurance does not cover CoolSculpting, it is important to understand what costs are involved.

    What is CoolSculpting?

    CoolSculpting is a fat removal procedure. Treatment involves the application of a handheld device to precisely freeze fat below the surface of the skin. During the treatment, the fat cells freeze and crystallize, and after the cells die, the body processes and eliminates them naturally.

    Results usually become apparent after three weeks, with the most noticeable changes within two months, but the body continues to process and expel the fat cells for up to six months.

    The procedure specifically targets stubborn areas of fat in key areas:

    • The abdomen.
    • Flanks (or “love handles”).
    • Inner thigh and outer thigh.
    • The chin.

    CoolSculpting is not suitable for significant weight loss in obese people or people who are more than 20 pounds overweight. For some areas of the body, alternative treatments such as liposuction are necessary.

    How much does CoolSculpting cost?

    The cost of CoolSculpting varies between regions, and factors such as the number of applications play a significant role in the final price. The cost for treatment on multiple body areas averages $2,250. according to statistics from realself.com in October 2016.

    An important factor determining price is the size of the applicator for treating the area. Mini applicators cost approximately $750 to $900. medium applicators cost around $600 to $800. and the large applicators cost approximately $1,200 to $1,500 .

    For example, a single treatment of the lower abdominal area requires a large applicator and costs up to $1,500, while treating the upper abdomen with a small applicator is closer to $900.

    Apply for a personal loan to pay for a CoolSculpting procedure.

    Other cost considerations

    When determining if you have the funds for CoolSculpting, bear in mind that more than one treatment may be necessary to see the best results. So, there is the potential for costs to increase rapidly.

    Furthermore, as CoolSculpting is cosmetic, your health insurance will not cover the treatment.

    It is usually worth trying other ways to lose fat first, such as diet and exercise.

    If all else fails, budgeting for CoolSculpting is usually more cost-effective than procedures such as liposuction. Even so, many CoolSculpting practices offer flexible payment plans so you don’t have to pay for everything at once.

    Are you a suitable candidate?

    Not everybody is a suitable candidate for CoolSculpting. The procedure is only for removing fat in targeted areas and does not provide all-over fat loss. It is not a weight-loss solution for people who are obese and is not a substitute for more drastic weight-loss options, such as gastric bypass surgery.

    The most suitable candidates are healthy individuals with a few noticeable bulges around the abdomen, flanks and thighs.

    Avoid CoolSculpting if you suffer from cryoglobulinemia or paroxysmal cold hemoglobinuria, or if you have an existing hernia that the treatment may exacerbate.

    Always consult with your health care provider first to ensure you are not at any risk of complications.

    Conclusion

    For stubborn fat deposits that seem to resist your best efforts to exercise and diet, CoolSculpting is a reasonably priced, nonsurgical option.

    The process has FDA approval, and while it is not a suitable alternative to a dedicated weight-loss program, it has the potential to tone and tighten problem areas. Just be aware that health insurance does not cover this type of cosmetic process, so you must settle the bill out of your own pocket.

    Always consult your health care provider first, and discuss payment plan options with your CoolSculpting practice before committing to treatment.

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    Renewable Energy Sources: Cost Comparison #solar #energy #cost #comparison


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    YOUR GUIDE TO RENEWABLE ENERGY

    WHY IS IT IMPORTANT TO USE RENEWABLE ENERGY?

    Fossil-based fuels (oil, coal, and natural gas) currently provide about 85% of all the energy use both in US and worldwide. We all know that these resources are being constantly depleted and can’t be replaced within any practical time span. People often wonder how long exactly would they last? The remaining amount of a particular resource is often characterized by so-called Reserves-to-Production ratio (R/P). In plain language, R/P basically gives us the length of time the reserves would last if their usage continue at the current rate. Here are estimated world total R/P ratios for the main conventional fuels: oil – 46 years, natural gas – 58 years, coal – 118 years. Of course, the usage is constantly changing and once in a while new deposits are found. That’s why the above numbers are corrected every year.

    Aside from being finite, energy production from fossil fuels results in by-products of combustion, or emissions. These emissions affect our environment and may be causing the climate change. In contrast, renewable energy (RE) resources, as the name implies, are constantly replenished naturally and will never be exhausted. Their use generally has a much lower environmental impact than that of conventional fuels. That is why the technologies that utilize them are often called “green”. In addition, RE can boost US energy security by reducing our dependence on the imports. All these factors, coupled with the government incentives and mandates, result in growing interest in using alternative sources of energy. While some green technologies are large-scale, many of them are also suited to private homes, especially in rural areas. This website provides quick renewable energy comparison information with emphasis on its home use and cost.

    THE LIST OF RENEWABLE RESOURCES

    Renewable energy is derived from various natural processes, such as the Sun’s electromagnetic radiation, tides or heat generation within the Earth. Here is a list of the main types of practically utilized alternative energy sources:

    • Sunlight. the solar photon flux can be converted to heat, electricity or chemical energy;
    • Wind. the motion of air molecules can be harvested in wind turbines that spin the shaft of electric generators or in windmills;
    • Biomass. organic materials can be used for cooking and heating, as well as to produce electricity and liquid transportation fuels;
    • Earth’s internal heat. can be used for heating and electricity production;
    • Water. potential and kinetic energy of flowing water can be tapped to produce electricity or mechanical tasks.

    Note that there is some controversy about classification of nuclear power. Usually it is excluded from the list of renewables. However, it is known, for example, that rivers eroding the Earth crust replenish Uranium dissolved in seawater. Also, nuclear fission in so-called breeder reactors creates more fissile isotopes than it consumes. So, although technically raw nuclear fuels are finite, because of their enormously large amount and because of the above replenishing processes, they might be considered RE as well. After all, bio-fuels are finite too, but they are treated as RE.

    ADVANTAGES AND DISADVANTAGES

    Not surprisingly, each method of power generation has its pros and cons. RE of course is inexhaustible and environmentally friendly. It has another important advantage. Small individual power generators that are integrated into the grid reduce the impact of blackouts caused by a failure of centralized equipment or distribution lines. The distributed power technologies in general improve the overall system security.
    Notwithstanding their clear benefits, all forms of RE have their disadvantages too. Renewable resources are not always available where and when they are needed. For example, hydropower resources are limited by geography and are often located in remote areas. They require installation of expensive electric lines to the cities. Solar and wind power are intermittent by nature. Which brings us to another major technical issue with RE: the storage. One of the problems of electricity is that it cannot be efficiently stored in large quantities for later use. It is unpractical for example to have a battery backup in a gigawatt-scale power plant. Also, while RE systems generally do not produce as much air pollution as fossil fuels, they too have a certain negative impact on the environment. Finally, RE is still more expensive that traditional one. All the above factors are limiting the growth of RE. Currently, the share of renewable energy sources in net energy production is only about 10% worldwide and 8% in the United States.

    Power Plant Type

    Adapted from US DOE 2

    COST COMPARISON OF ENERGY SOURCES 2017

    While raw forms of energy are both free and practically infinite, the equipment and materials needed to collect, process, and transport the energy to the users are neither one. Currently, the RE costs are generally higher than that of fossil-based and nuclear energy. In addition to this, unlike well-established conventional designs, the advancement in different RE technologies still requires substantial investments. The economists often use so-called levelized energy costs (LEC) when comparing different technologies.
    The LEC represents the total cost to build and operate a new power plant over its life divided to equal annual payments and amortized over expected annual electricity generation. It reflects all the costs including initial capital, return on investment, continuous operation, fuel, and maintenance, as well as the time required to build a plant and its expected lifetime. This table compares the US average levelized electricity cost in dollars per kilowatt-hour for both non-renewable and alternative fuels in new power plants, based on US EIA statistics and analysis from Annual Energy Outlook 2017. Note, that the numbers for each source are given for a different capacity factor, which complicates direct comparison. Notwithstanding, I believe these figures are useful in comparing different power generation methods.

    Also note that the values shown in the table do not include any government or state incentives. In other words, they represent the actual cost to the society. We can see that at present natural gas, geothermal and coal are the most economic fuels. However, in future the price of coal-based electricity can nearly double due to government imposed cost on CO2 emissions. Photovoltaic systems are still more expensive than fossil-based ones. The values in the chart represent just the cost of electricity production- the retail prices of course are always higher.

    In conclusion, it is our responsibility to advance alternative power. However, we should remember that low-cost electricity generation is crucial to the economy. It increases income and employment in all sectors, the purchasing power of the consumer, and makes U.S. exports more competitive. RE certainly can supplement conventional power, and its use will likely continue to steadily grow. Nevertheless, realistically speaking, it can’t entirely replace non-renewable fuels anytime soon.

    References and additional information:
    1. Sustainability Starts at Home. your guide to saving money while saving the Planet.
    2. US DOE Annual Energy Outlook 2017.
    3. Statistical review of main world energy sources 2016.


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  • Top UK online stock brokers, best share dealing sites #low #cost #brokerage


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    Best Online Stockbrokers

    Home Page

    Online Stockbroking Accounts

    The page has info about best UK stock brokers. Links to compare online stock brokers, info about stock broking admin fees, share trade dealing charges, execution only services with advice, low cost share trading. Reviews of stock broker online accounts, lists of online stockbrokers.

    Also on page are links to useful stock trading articles and a directory of online stock brokers and stock brokers offering free demo accounts for stock trading. Shares dealing services online with leading stock brokers, lists of online stock brokers plus things to check when choosing a stock brokers.

    Finding your best online stock broker – FAQs

    Dealing costs The actual cost of placing an individual buy/sell order. There is stamp duty also at the prevailing rate but only on buys. Allways check that cheap dealing offers dont have high admin charges.

    Admin charges Normally charged quarterly. When calculating real cost look at number of deals likely per year and then add in this admin cost.

    Transfer costs Check costs to transfer in and out shares, share certificates and other charges must also be considered when evaluating costs.

    Some brokers will offer to pay, up to a limit of say �100 to �200 these transfer costs and so it is worth checking on the websites or asking the question at customer services.

    Online or telephone dealing Nearly all brokers now offer some form of Online dealing with telephone as optional back-up. Some Online systems have some human interface and others are 100% automated.

    Holding share certificates Outside of accounts avoids admin charges. Ok if you are likely to be a long term share holder (years not months).

    Broker support How much info can the broker offer you? Will he offer advice and recommendations or is his service completely without support.

    Broker speciality Information Some will offer Real-time share prices, trades information, news and feedback direct from the trading floor, live market data.

    Stockbrokers Directory

    Most Popular UK Online Stockbrokers


    Cheap Car Insurance #car #insurance, #auto #insurance, #cheap, #cheaper, #cheapest, #low #rates,


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    About

    We understand consumers often need the lowest price possible when it comes to choosing an auto insurance company. Our customers also want the right amount of coverage to keep their family safe and protected from life s unfortunate accidents.

    At Cheap Car Insurance. we believe in having the best of both worlds — low rates, excellent coverage and local reps who are there every step of the way. This is what sets Cheap Car Insurance apart from our competition. And that’s what makes us the obvious choice when it comes to your car insurance needs.

    Why We Exist

    Extreme Savings

    Our emphasis on red tape removal and streamlining translates to serious savings for our customers. In a world where corporate bloat is the inevitable outcome of mega-sized insurance companies, we focus on the exact opposite: making things easier and faster. When other companies are saying, How can we add another step to make things better? we are asking ourselves, How can we remove a step to make things better?

    We also do not spend billions on advertising like some companies in attempts to attract every customer in the world because we prefer to pass those savings on to you and rely more heavily on our customers telling their friends about us. That s how good products should be sold.

    Un-Corporate-Like Transparency

    While other companies make empty promises about savings, we actually let our customers report them publicly for the world to see. Check out our Recent Savings chart to the left to view their unfiltered comments. True, not everyone saves money here, but most do.

    We focus on improving the conversation with our customers, which has resulted in one of the highest satisfaction rating in the industry.

    Personal Customer Service

    We believe in providing exceptional customer service and we hope that your time on our site is always a first class experience. Our support work is never outsourced to other countries. We also only hire experienced reps who help us respond faster than most insurance companies.

    If cheap car insurance is what you need, then you ve come to the right place.

    The Cheap Car Insurance Commitment

    We stand behind our commitment to do our best to get you the lowest auto insurance quotes online. Now it’s easier than ever to search and shop for cheap auto insurance quotes.

    Furthermore, we know our customers want the right amount of coverage to help keep their family safe on the road. That’s why we emphasize on red tape removal and streamline processes to help find cheap full coverage car insurance rates and the cheapest insurance companies for our customers.

    One Good Reason to Shop With Us

    “After being with my insurance company for just shy of 10 years, and after having shopped at companies that everyone around my hometown swore were the cheapest (including unadvertised “bargain” companies and giant comparison shopping brands), I decided to shop here at CheapCarInsurance and ended up saving just under $1,100 off my annual insurance bill, which is a lot more than I ever could have imagined anyone saving, especially me, an avid online shopper and extreme bargain hunter [. ]

    This is pretty ridiculous considering the fact that: 1st, I had regularly asked my former insurance company for reviews and discounts; 2nd, I recently got a speeding ticket in a school zone (which I am a bit ashamed to say) just before I switched; and 3rd, that $1,100 savings was before I got an additional discount for bundling my home insurance on my policy (which is a lot lower now too).

    Unfortunately, and surprisingly, 10 years of loyalty did not pay off for me, and was replaced by a 5 minute quote that will save me thousands down the road. In short, our family owns 3 cars, and my new rates are about half my old rates; so not bad for the little additional time it took to compare quotes and digitally sign a policy.

    Obviously, not everyone will save nearly as much as I did, but it’s well worth your 5 minutes to find out, even if you end up only saving a few hundred dollars per year, potentially adding up to thousands over a couple years.”

    Whether you need a free car insurance quote or are just shopping around, by filling out our easy-to-use form, we’ll find the best and cheapest full coverage car insurance options tailored to your insurance needs. At Cheap Car Insurance, we are the simplest and safest way to save money on your car insurance!

    How Much Did You Save With Us?

    Tell us how much you saved on your car insurance, and we might just feature your savings right here on our site along with our other top savers!


    SIP Trunking: Come for the Cost Savings, Stay for More Cost Savings


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    SIP Trunking: Come for the Cost Savings, Stay for More Cost Savings

    SIP Trunking: Come for the Cost Savings, Stay for More Cost Savings If you still think SIP trunking is primarily about cost savings — guess what? You’re still right.

    If you still think SIP trunking is primarily about cost savings — guess what? You’re still right.

    The conventional wisdom on SIP trunking was expected to shift over time, in a classic new-technology pattern: Come for the cost savings, stay for the features/functionality/new applications. And SIP trunks do still promise benefits around making unified communications apps more easily and widely available across your enterprise network. But according to Gartner research director Sorell Slaymaker, the big reason to move as soon as you can to SIP trunks is simple: You can (still) save up to 50% over your PRI bill.

    I’m delighted to say that Sorell will be presenting a session on SIP trunking cost savings at Enterprise Connect Orlando next month, where he’ll offer an in-depth look at how to Maximize Your SIP Trunk Cost Savings. Sorell was our original Enterprise Connect SIP trunking guru, going back five years to his time working on the enterprise IT side of the house. He started our SIP trunking tutorial and has written and spoken about the topic extensively in the time since.

    I caught up with Sorell on the phone recently and he gave me a quick preview of some of the insights he’ll share in Orlando. He started by recalling that when he did that first tutorial five years ago, he advised attendees that they could save up to 50% with SIP trunks.

    “Five years later, that theme is still true,” Sorell told me.

    What has changed is how you capture that savings, Sorell explained. Carriers are moving toward a single rate for all long-distance traffic carried over SIP trunks; in the past, they had separate rates for intrastate and interstate long distance.

    Going to the single rate provides savings for a few reasons, Sorell said. For one thing, PRIs are regulated under the rules for legacy PSTN technology, which means they can’t be similarly combined into a single category even if a carrier wanted to do so. Furthermore, as Sorell has pointed out in his tutorials and as he reminded me again, there’s the old adage: “Forty percent of the phone bill is the phone bill.” Simplifying the charges helps the carriers reduce costs even further.

    These refinements to the price structures reflect the continuing maturity of SIP trunking services, Sorell said, and he noted that both the incumbents (AT according to Slaymaker, some enterprises find procuring Layer 2 Ethernet access for SIP trunking more economical than combining voice traffic with data on a single MPLS circuit and having to use prioritization. Not only can this cost less in carrier charges, it simplifies operations, which saves money.

    Other cost savers in the SIP trunking world include the concept of “pooling,” which emerged a couple of years ago, and which Sorell said is growing in utility. Pooling allows an enterprise to pay for total concurrent usage across all sites, which means you don’t have to overspend by buying enough capacity at every individual site for that site’s peak usage. In addition, enterprises have been able to configure, say, twice as many SIP trunks into their environment than they have active, but are able to keep the rest of the trunks on standby for disaster recovery.

    One fallacy is that an enterprise must first move to VoIP before it can get SIP trunking. This is not true, Sorell pointed out. Session border controllers (SBC) from some vendors (Cisco, AudioCodes, Sonus Networks) have TDM interfaces enabling an enterprise to utilize SIP trunks from the carriers and still connect via T1/PRI into a legacy PBX. Some carriers offer a managed SBC service to further simplify the migration to SIP trunking for those enterprises that do not have the time and/or expertise to implement SIP trunking.

    Finally, the other major trend Sorell is seeing in SIP trunks is the emergence, at last, of significant SIP trunking markets outside of North America. Customers in Western Europe are seeing 15% to 25% cost savings with SIP trunking, and AsiaPac enterprises are just beginning to find availability of SIP trunks. The cost savings remain lower in Western Europe than in North America because of two factors:

  • The U.S. regulatory regime is more bifurcated between IP and PRIs than its counterpart in Europe, making the aforementioned long-distance pricing evolution more of a pronounced change in North America.

  • North America features stiffer carrier competition. Though a Tier 2/3 market is emerging in Europe, competition isn’t as robust as it has become domestically.
  • So the bottom line is. the bottom line. SIP trunking can save your enterprise money. Possibly lots of money. Still.

    Sorell also will be presenting the session “Strategies for Reducing the Telecom Budget ” at Enterprise Connect Orlando, taking place March 16-19. Register with code NJSPEAKER to save $300 on conference passes.

    Follow Eric Krapf and No Jitter on Twitter and Google+!

    Eric Krapf on Google+


    How Much Do Retainers Cost? Cost Evaluation #cost #of #a #retainer


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    How Much Do Retainers Cost?

    Retainers are worn by people to help correct dental problems. Retainers are often worn by people after they have had braces removed. They are also occasionally used to help correct minor overbite problems instead of braces. Retainers are custom made for each person. There are three common types of retainers: permanent, clear and Hawley.

    Retainers range in price from $250-$2100, depending on location, dentist, type of retainer and if patients need both a lower and upper retainer or just an upper or a lower retainer. First time retainers cost considerably more than replacement retainers as multiple dentist visits, X-rays and fittings are required for the original retainer to be custom made to fit the patient perfectly. Retainers that are needed after braces tend to be less expensive than those used instead of braces, as the retainer cost is discounted and included in the price of the braces. Most dental insurance plans cover the cost of the first retainer, but do not cover the cost of replacement retainers. Replacement retainers cost $100-$250. Retainers when not in use should be stored in a plastic case; plastic storage retainers cost $5-$10.

    The Average Cost Of Retainers

    Average orthodontic retainer costs vary per type of retainer. Average permanent retainer costs are around $1000 for both the upper and lower teeth. Average clear retainer costs are around $200-$500 for both the upper and lower teeth. Average Hawley retainer costs are around $300-$600 for both the upper and lower teeth. Average dental retainer costs vary per location; in the United States, average orthodontic retainer costs are higher in states with a high cost of living and lower in states with a low cost of living.

    Types Of Retainers

    There are three common types of retainers; the Hawley, clear and permanent. Permanent retainers are usually the most expensive; however, there is no risk of loss with them. Hawley and clear retainers are both removable. Hawley retainers are usually slightly more expensive than clear retainers. Average permanent retainers cost around $1000 for both the upper and lower teeth. Average clear retainer costs are around $200-$500 for both the upper and lower teeth. Average Hawley retainer costs are $300-$600 for the upper and lower teeth. However, all three types of retainers vary greatly in cost depending on location and the dental clinic.

    Permanent Retainer Cost

    Permanent retainers are also called fixed retainers. Unlike Hawley retainers or clear retainers, the patient cannot remove permanent retainers. Permanent retainer costs are usually more than Hawley retainer costs or clear retainer costs. Average permanent retainer costs are around $1000 for both an upper and lower retainer. However, permanent retainer costs vary per location and clinic, permanent retainers can cost as little as $600 for both the upper and lower teeth or as much as $2100 for both the upper and lower teeth. Permanent retainers can save patients money on orthodontic retainer costs as they do not get lost or broken the way Hawley or clear retainers do; however, permanent retainers are harder to clean and can cause a buildup of tartar or cause gingivitis.

    Fixed Retainer Cost

    Fixed retainers are also known as permanent retainers. Fixed retainer cost ranges from $300-$1100 for either the lower teeth or the upper teeth. Average fixed retainer costs are $500 for either the lower or upper teeth, or $1000 for both the lower and upper teeth. Fixed retainer costs vary per location and dental clinic. In the United States, states with a low cost of living tend to have cheaper fixed retainer costs than states with a high cost of living do. Fixed retainers usually cost more than removable retainers do; however, they usually save patients money as they do not break or get lost like removable ones do

    Hawley Retainer Cost

    Hawley retainers are also called wire retainers. Hawley retainers tend to be a bit more expensive than the clear or Essix retainers; however, Hawley retainers are usually more durable and less prone to breakage than clear retainers are. Hawley retainers cost $100-$1500 depending on location, the dental clinic and if the patient requires both an upper and lower retainer or just one. Average Hawley retainers cost $300-$600 for both upper and lower teeth retainers. Hawley retainers are available in a myriad of different colors and patterns; colored or patterned Hawley retainers may cost more than basic Hawley retainers cost.

    How Much Do Clear Retainers Cost?

    Clear retainers are also known as invisible retainers or Essix retainers. Clear retainers are fairly popular due to their being less noticeable than the other types. Invisible retainers are usually cheaper than Hawley or permanent retainers. However, clear retainers are the easiest of all of them to break and often need replacing. Invisible retainer costs range from $100-$1200; however average cost is around $200-$500 for both the upper and lower teeth. Invisible retainer cost varies per location and dental clinic.

    How Much Does It Cost To Replace A Retainer?

    Teeth retainers can easily get lost or broken especially the clear variety. Replacement retainers are not as expensive as first time retainers. Replacement retainers cost $100-$500 for both the upper and lower teeth; however, average retainer replacement cost is around $200-$300 for both the upper and lower teeth. Replacement retainer cost varies per location and dental clinic. Retainer replacement cost is usually not covered by insurance; most insurance plans only cover the initial retainer cost.

    Orthodontic Insurance

    Orthodontic insurance coverage varies per company and plan. Most orthodontic insurance coverage covers either all the cost or at least some of the cost of the initial retainer. However, some insurance companies and plans only cover one type of retainer and many insurance companies do not cover replacement retainer costs. Due to the wide variation of coverage within orthodontic companies and plans, patients should check with their insurance company before having any work done.

    Retainers After Braces

    Retainers are most often worn by people right after they have had braces removed. They are worn after braces to help keep teeth straight and to prevent them from returning to their pre-braces position. In most cases, an orthodontic retainer has to be worn 24 hours a day for several months after braces are removed. The orthodontist determines the type of retainer a patient is required to wear. The cost of retainers is often included in the overall cost of the braces.

    If this article was useful, why not share it?


    5 low cost business ideas to start at university: Starting a business

    #business ideas for college students

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    5 low cost business ideas to start at university

    Some of the world’s most famous entrepreneurs started businesses while at university; Mark Zuckerberg, Bill Gates, Sergey Brin, Larry Page – the list goes on – so what’s stopping you from starting up whilst studying?

    According to recent research from Santander. over 80,000 UK university students currently run businesses while studying and collectively generate turnover of over £44m. Impressive to say the least. What’s more, over a quarter of this number plan to turn their businesses into a full-time career upon graduation.

    Action point: Need a loan to start a business of your own? See how we can help here and here

    Dubbed “student start-ups”, budding young entrepreneurs are maximising on being within the university environment to launch a start-up and fund their education, pursue interests, and gain “invaluable work experience as a result of their entrepreneurial ventures”.

    A report from Direct Line for Business also emphasised the fact that entrepreneurialism is alive and kicking in UK universities. It found that more students than ever before are now starting businesses, with popular undergraduate start-ups ranging from creative businesses like clothing design, to hospitality and events promotion and tech-focused firms such as software development.

    And it would seem that there has never been a better time to start a business while at university, if the growing number of initiatives to encourage student entrepreneurs are anything to go by.

    Earlier this year, Europe’s largest student start-up event opened in Liverpool hosted by the National Association of College University Entrepreneurs (NACUE), Mercia Fund Management launched a tax efficient fund for university spin-outs, and a number of universities have been actively doing their bit to promote enterprise. For instance the University of Southampton recently held a student hackathon to find great software concepts.

    With 2015 a golden age for student entrepreneurs, we’ve compiled a guide to five of the top low-cost businesses to start at university, including case study examples from a number of high-profile university entrepreneurs that have scaled their ideas into successful businesses.

    To help you get your university venture off the ground, you’ll also find a handy summary of the funding and support that is available to student and young entrepreneurs in the UK.

    Click the buttons above or below to find out more about the best low cost business ideas to start while at university…

    Comments

    Useful business start up tools

    Forum post of the week

    More business ideas.

    Want to run a more profitable business?

    More from Startups





    RED TEK A #air #conditioner #recharge #cost


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    FEATURES

    • A direct replacement and retrofit option for R134a and R12 refrigerants for automotive air conditioning systems
    • Offers a freon replacement that runs cooler and more efficiently, without depleting ozone
    • No license or retrofitting required for use
    • Carries EcoSafe certification (non ozone depleting)
    • Includes everything needed to properly charge air conditioning systems: two cans of 12a refrigerant, installation hose kit with colour coded gauge, air conditioning oil, low side service fitting and service decal

    SPECIFICATIONS

    This product carries a 1 year exchange warranty redeemable at any Canadian Tire store.

    OUR RETURN POLICY

    ADDITIONAL PRODUCT INFORMATION

    , saveAsMyNewStore : Set as my preferred store > , notAvailable : N/A , need2orderMoreThanX : Need to order more than , inStock : IN STOCK , notCurrentlyAvailable : Not currently available. , onlineInventoryAvailable : Online inventory available. >” data-config=”< pCode : 0146129P >“>

    RATINGS amp; REVIEWS /div>”>

    RATINGS REVIEWS

    Here s what others had to say.

    Ask your question. Share your answers.

    CANADIAN TIRE® and the CANADIAN TIRE Triangle Design are registered trade-marks of Canadian Tire Corporation, Limited.

    **Online prices and sale effective dates may differ from those in-store and may vary by region. Dealers may sell for less. Pricing Policy

    ®/™ Mastercard and World Mastercard are registered trademarks, and the circles design is a trademark of Mastercard International Incorporated.

    * Equal payments, no interest for 24 months (unless stated otherwise) is only available on request, on approved credit with a Canadian Tire Bank issued credit card and on purchases of items at Canadian Tire or participating Mark’s stores of $200 or more (excluding gift cards). Interest does not accrue during the period of the plan. However, if we do not receive the full minimum due on a statement within 59 days of the date of that statement, or any event of default (other than a payment default) occurs under your Cardmember Agreement, all special payment plans on your account will terminate and (i) you will then be charged interest on the balances outstanding on such plans at the applicable regular annual rate from the day after the date of your next statement, and (ii) the balances outstanding will form part of the balance due on that statement. There is no administration fee charges for entering into a special payments plan. Not available on purchases using a Low Rate Options ® Mastercard ®. Each month during an equal payments plan you are required to pay in full by the due date that month’s equal payments plan instalment. Any unpaid portion not received by the due date will no longer form part of the equal payments plan and interest will accrue on that amount from the day after the date of your next statement at the applicable regular annual rate. Offer subject to change or cancellation without notice.

    Additional information for residents of Quebec only: The regular annual rate for persons applying for the Options MasterCard is 22.99% for cash transactions and related fees and 19.99% for all other charges. Some applicants may receive a higher or lower regular annual rate depending on a credit evaluation. The minimum payment is the sum of (a) interest and fees shown on your statement, (b) the greater of any amount past due or any balance over your credit limit, (c) the amount of any equal payments plan instalments then due, and (d) $10. Balances under $10 are due in full. For residents of Quebec, the period between the statement date and the due date for payment is 26 days. The billing period covered by each statement can be from 28-33 days. The Options MasterCard does not have an annual fee. Examples of borrowing costs (rounded to the nearest cent) assuming that all charges are purchases bearing interest at the regular annual rate of 19.99%, a 30 day month, no charges made on special payment plans and no other fees, additional payments or other changes are:

    If your average balance is:

    Total monthly credit charges will be:

    ƒ Additional Information for the Canadian Tire Options MasterCard:

    Annual Interest Rate(s):

    All charges to your account (excluding cash transactions and related fees) — 19.99%
    Cash transactions (for example: cash advances, balance transfers, convenience cheques, money transfers, purchase of travellers cheques and gambling transactions) and related fees — 22.99%

    If you are not approved for a card at the above rates, Canadian Tire Bank may still issue you a card at an annual interest rate of — 25.99% for all charges (excluding cash transactions and related fees) and 27.99% for cash transactions and related fees.

    Foreign Exchange Conversion: All transactions made in a foreign currency will be converted to Canadian currency at the then current MasterCard conversion rate plus 2.5% (for charges to your account) or minus 2.5% (for credits to your account) when the transaction is posted to your account.

    Annual Fee. None

    Cash Advance Fee: $4 – Charged when the transaction is posted to your account.

    NSF/Dishounoured Payment Fee: $25 – Charged if a payment you make is dishonoured.

    Charges for Copies: $2 – Charged when you request a copy of a statement or sales slip.

    Credit Balance Fee: The lesser of $10 or the amount of your credit balance. – Charged on the last day of a billing period when there is a credit balance on the account and the account has been inactive for the previous 12 billing periods.

    1 Based on the level of net new purchases (purchases less credits) that are posted to your Gas Advantage MasterCard account in any monthly billing period, you will be entitled to a discount on each litre of gasoline or diesel fuel that is purchased for a motor vehicle at Canadian Tire Gas Bars during the following monthly billing period and that is charged to your Gas Advantage MasterCard. The discount that you receive in a billing period will be reduced to 2¢ per litre after you have made purchases of more than $500 for gasoline, diesel fuel or any other sundry items at Canadian Tire Gas Bars during that billing period using your Gas Advantage MasterCard. For complete program details please read the Canadian Tire Gas Advantage MasterCard Terms and conditions.

    † In the form of electronic Canadian Tire ‘Money’ ® (CT ‘Money’™).Terms and conditions apply to collecting and redeeming. Visit canadiantire.ca or ctfs.com/ctm for more information. Canadian Tire Options MasterCard cardmembers paying with their Options MasterCard collect CT ‘Money’ at a rate that is 10X the rate at which other members of the My Canadian Tire ‘Money’ ® program collect CT ‘Money’ on purchases made by such other members at Canadian Tire stores (if those other members paid by cash, debit or a credit card not linked to this loyalty program). The offered rate is exclusive of any bonus or promotional offers or redemption transactions.

    2 Some conditions apply. See Rewards Program Terms and Conditions for details.

    ®/TM Unless otherwise noted, all trademarks are owned by Canadian Tire Corporation, Limited and are used under licence.

    ®/TM MasterCard and the MasterCard Brand Mark are registered trademarks of MasterCard International Incorporated.

    **Visa Int./Lic. User

    ®/TM Mark’s is a registered trademark of Mark’s Work Warehouse Ltd, used under licence.


    Des Moines Pest Control – Springer Professional Home Services #home #pest #control


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    Trust the Professionals

    Springer leads the way when it comes to Des Moines Pest Control.
    The leading trade organization, QualityPro, sets the highest
    business practice standards for the pest control industry.
    Only a company that has met and maintains these strict standards
    as judged by QualityPro may call itself a QualityPro-approved
    service provider.​​ Find out more .

    Trust the professionals when it comes to Des Moines pest control.

    Springer Professional Home Services is the leader for Des Moines pest control. Not only do we offer services in Des Moines, but many surrounding cities. Our services are backed by a warranty and performed by professional technicians who are bonded, certified, insured and qualified to eradicate pests and termites from your home or business. Springer’s professional technicians undergo years of education and training, making them the most qualified experts in pest control and termite control.

    The key to Springer’s pest control and termite control success is its use of Integrated Pest Management (IPM) practices. IPM integrates a combination of steps to achieve long-term pest control solutions. IPM practices guide Springer’s pest exterminators in anticipating and preventing pest activity and infestation.

    Our Standard Pest Control and Termite Control Services Include:

    • Thorough inspection of your attic, garage, basement, kitchen and every place pests and termites commonly gain access to your home.
    • Treatment for pests inside the home with a graphic record of where pest control and termite control work was conducted.
    • Complete home exterior inspection for signs of pests and termites.
    • Removal of cobwebs to stop or discourage spider activity.
    • Complete pest control and termite control treatment to your home’s exterior to create a barrier against pests and termites.
    • A full report of pest control and termite control services conducted during each visit.

    Real Estate Services

    Springer Professional Home Services serves the needs of both home buyers and realty professionals through its home inspection services. Because Springer understands the needs of the realty market, its inspections can usually be conducted within short time frames, frequently the same day they have been requested.

    The inspection process typically takes less than an hour, and is a non-invasive visual inspection that is performed within all readily-accessible areas throughout the property. This means we do not move furniture, look under carpets, move boxes, or remove affixed items within or around the property while we are inspecting. If it is fastened down, your Springer Inspector will inspect around it, visually.

    Our Des Moines Pest Control Services include Ankeny, Ames, Clive, Johnston, Urbandale, West Des Moines, Indianola, Waukee, Pleasant Hill and many others.

    Contact Info

    Springer Professional Home Services
    1320 NE 60th Ave.
    Des Moines, IA 50313
    (515) 262-9229

    See what our customers are saying.

    It is our goal to have 100% satisfied customers. Just check out some of the reviews below.

    We would appreciate it very much if you would take time to share your experience with others.


    OHosti – Best Free Unlimited Hosting cPanel – Powerful Unlimited Free Reseller


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    Free Unlimited Hosting cPanel

    Free Unlimited WHM Reseller Hosting

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    Free VPS Hosting (90 Days)!

    OHosti Powerful Features!

    Free Unlimited Web Hosting Features :

    Flexible, Easy to Use Control Panel . Unlimited Bandwidth. Unlimited Sub Domains, FTP Accounts, and Email Accounts. 99.9% Uptime Guarantee Build your website using the latest languages including PHP, Ruby, PERL, Python, PostgreSQL, MySQL and more. We also provide SSH access on all Business Hosting plans and have enabled WP-CLI for easy WordPress management.

    Why is Our Free VPS Hosting different than Shared and Dedicated?

    With our OHosti VPS, you get an entire server. This is optimal for people that have very high traffic to their websites or need to setup their server in a very specific way. Not everyone needs to have a fully dedicated web server however. If you’re just getting started with your website, you can save quite a bit of money if you get a free small portion of the server. Shared hosting is when you share a portion of the server with other users rather than rent an entire server to yourself. If you are considering a dedicated server and are unsure if it is right for you, perhaps you will need to get Free VPS Hosting.

    What is our free reseller hosting included?

    Everything you need to get started is included in our Reseller packages for a single, no price (free) :

    Free cPanel:
    Unlike other hosting companies, we never charge you or your clients a fee to manage the content and setup of their websites. cPanel makes that easy.

    Free Domains Resales:
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    We offer a variety of email protocols, meaning your clients can check emails anywhere, on any device, easily.

    Free Backups and Installers:
    We include the Softaculous auto-installer totally Free, so you and your clients can set up websites at the click of a button, and we back your sites up every 24-36 hours, automatically.

    Frequently Asked Questions?

    Why is it all free on OHosti? How do you earn?

    We’ve been providing leading free cPanel hosting services with No Ads. All this is made possible by our Paid Dedicated Servers services, including upgrades for those who need more room for growth, as well as donations from our community of users.

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    OHosti – Best Free Unlimited Hosting cPanel – Powerful Unlimited Free Reseller


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    2017 New Toilet Installation Costs #toilet #repair #cost


    #

    How Much Does It Cost To Install or Replace a Toilet?

    Installing or replacing a toilet can positively affect your happiness, your finances and the planet. The average cost to install or replace a toilet is $376. although prices can vary anywhere between $224 and $538. Start by selecting a licensed plumber who can tell you whether your existing plumbing presents any limitations and help you determine what kind of toilet will work best in your bathroom. Remodeling a bathroom or installing new plumbing will give you more room to be creative than simply installing a new toilet will. Here are a few factors that can affect the cost of your toilet replacement or installation.

    On This Page:

    What Factors in to the Cost of Replacing or Installing a Toilet?

    Special requirements, disposal of the old fixture and the difference between a simple, no-frills toilet and a majestic, high-tech throne will largely determine the overall cost of your toilet replacement or installation project. The type, model and style of the toilet you choose will be the single greatest factor in the cost of its installation.

    2 Most Common Types of Toilets

    The type of toilet you choose will be one of the biggest factors in its installation cost. There is a wide variety of toilets from which to choose — and a wide range of pricing as well. You will find basic, round-bowl, white toilets with a two-piece design (i.e. the bowl and tank are separate) at the lowest end of the spectrum. Sleeker, elongated and colored toilets — as well as toilets with features such as heated seats — will raise the price accordingly. More information on the two most common types of toilets, as well as how they compare, is included below:

    Round toilet bowls:

    • Perfect for smaller bathrooms, measuring anywhere from 25 to 28 from the wall
    • Less expensive
    • Better for children

    Elongated toilet bowls:

    • Take up more space
    • More powerful flushing action (due to more water and space)
    • More expensive
    • More comfortable
    • More aesthetically pleasing

    A recent innovation is the Americans with Disabilities Act (ADA) compliant, comfort-height toilet. At 17 to 19 above the floor, comfort-height toilets are between 2 to 4 taller than older models. While ADA compliant comfort height toilets are gaining popularity and favor among the elderly, they can prove challenging for small children to reach. Because toilets do not come with a seat, you are free to choose the best option for your body and decor. Toilet seats are offered in a wide variety of materials, including real wood, molded wood composite, plastic or polypropylene and cushioned vinyl. They are also available in soft close or slow close varieties that keep the seat from slamming against the bowl.

    Toilet Efficiency

    You’ll also need to consider flushing mechanisms and their effect on flushing power. Flushing power refers to the amount of solid material the toilet can efficiently flush down the drain. Two standard types of flushing systems are most common in the United States: the gravity-flush system and pressure-assist system. The standard gravity-flush system is the simplest –using water weight to generate flushing action and following with a siphoning action to complete the flush. This system is quieter and generally requires less maintenance than the pressure-assisted system. The pressure-assisted system uses pressurized air to force water into the bowl, which reduces clogs. While this system is noisier and more expensive — and also more likely to require more frequent maintenance — than the gravity-flush system, it creates three times the flushing power.

    There are also two additional flushing technologies to consider. The dual-flush system was created with an eye toward conservation — offering full and partial flush options for liquid or solid waste. And the no-flush waterless toilet answers requirements where portability is a concern or there is little to no plumbing access. The upside of waterless toilets is that they have come a long way in terms of cleanup — and they offer a reclamation and composting option as well.

    The Watersense label is given to toilets rigorously tested to meet EPA standards for performance and efficiency. Recent advances allow toilets to perform using 1.28 gallons per flush or less, which could save the average family nearly 13,000 gallons of water every year. This translates into more than $110 per year in water costs and $2,200 over the lifetime of the toilet. Your local utilities provider may offer rebates and vouchers that can further lower the price of your investment.

    Get a Quote on Toilet Installation Now

    One-Piece vs. Two-Piece Toilets

    Toilets are available in two styles: one-piece or two-piece. The two-piece model consists of a tank and bowl, which are bolted together during installation or replacement. Basic white toilets with a two-piece design will be at the low end of the cost spectrum. The two-piece is a bit harder to clean, although the tank and bowl can be moved separately, making them easier to lift. In the one-piece model, the bowl is seamlessly molded to the tank, which gives it a sleek and modern feel. The design, color and add-ons you choose for your toilet will increase the price of its installation or replacement, regardless of which style you choose.

    Popular Toilet Brands

    While they look similar, toilets vary greatly in quality, performance, comfort and efficiency. Do your homework and read reviews. The research will pay off. Some of the most popular toilet brands include: Kohler. Kohler toilets come in a variety of colors, styles and technologies. These toilets range from a classic two-piece, which retails for $230, to the Numi — a one-piece with integrated bidet technology, colored lighting and wireless Bluetooth music sync, which retails for $6,340. American Standard. American Standard offers economic models from around $180. At the higher end is the adjustable, two-piece, high-efficiency, self-cleaning AccessPRO toilet, which sells for $1,618. TOTO. Toto offers the same level of technology as Koehler, but fewer color options. Toto toilets range from the $265 Carusoe two-piece to the Nearest 700H Dual Flush high-efficiency one-piece, which sells for $6,500. Return to Top

    Extra Labor

    The price that you negotiate with your plumbing contractor for your toilet installation or replacement project can fluctuate — particularly if additional or unforeseen work is required once the job has begun. A standard toilet install should take between one and two hours to complete and cost an average of $348 or less. Basic installs will run around $115. Unexpected costs could raise the cost up to as much as $800. A standard installation process will consist of:

    • Turning off the water
    • Draining, disconnecting and removing the old toilet
    • Replacing the wax ring seal
    • Inspecting the flange, which connects the toilet to the drainpipe, for damage or wear
    • Setting and connecting the new toilet, as well as testing all newly installed parts

    Problems that may arise include:

    • Unexpected leaks
    • Cracked flange causing a wobbling toilet
    • Improper wax ring seal replacement or compression
    • Poor caulking causing leaks
    • Failure to replace a leaky flush valve

    Sometimes, pros will charge extra for hauling a heavy toilet upstairs or away for disposal. Keep this in mind if you live in a home with a second-story bathroom; it will factor into the cost of toilet installation or replacement.

    Existing Plumbing

    If any of your existing plumbing pipes or lines need to be repaired or modified to fit the new or replacement fixture, it will add to the cost of your project. Also, any water damage to the floor below or around the toilet area will require repairs and further increase installation costs. If you’re starting your bathroom from scratch, however, little will get in the way of a straightforward installation.

    Hire a Plumber Today

    What – s the nominal cost of enterprise storage per GB? Server


    #

    To give you some idea about how much this number can vary, here are the ‘total cost of storage per GB’ numbers for two of our storage arrays:

    Biiiiiig difference. Why the difference?

    • Array 1 uses Fibre Channel drives with an average size of 273GB, and an average cost of $1900/drive.
    • Array 2 uses FATA drives with an average size of 931GB, and an average cost of

    $800/drive.

  • Array 3 uses SAS drives with an average size of 750GB, and an average cost of $420/drive.
  • Arrays 1 2 have the same backup rotation, so those costs are the same per GB. The first array is actually higher, since there are some costs I don’t have access to and wasn’t able to include in my amortization math. Neither cost includes the cost of the Fibre Channel infrastructure that supports the storage environment.

    Array 3 is not yet in service, so we don’t know what the backup costs are for that one yet. It’s special.

    As for figuring out what we’d charge for storage, part of that depends on our back end accounting practices which favors one time costs. We’re pushing to get a yearly cost in place. That number would be the above numbers amortized over the expected life-span of the array, plus a replacement premium so we can keep up with the ever increasing levels of service people expect from storage, allow changes of backup vendor (always a lot more expensive to change horses than keep on the one you’re on), and otherwise catch costs not directly included in these ‘total cost of storage’ numbers.

    answered Oct 21 ’09 at 16:45

    Theres not going to be a simple answer to this, your costs you charge to business are going to be dependant on any number of things such as:

    • Physical Hardware Costs
    • Support Costs
    • Environment Costs
    • Replacement Parts
    • Response Times

    The IT department is going to need to consider what their storage infastructure is costing them per GB, and charge the business an amount based on this. If you have a dedicated storage team, with hundereds of SAN devices your overall costs are going to be higher than a single NAS device in a small business, but if your spreading this over a large bussines the charge per GB may be lower.

    answered Oct 21 ’09 at 13:43

    • make of storage
    • access type (FC, iSCSI, NFS etc)
    • speed of disks
    • RAID levels
    • backup options provided
    • level of discount from supplier
    • ongoing support costs
    • any additional infrastructure required to provide storage (switches, racks, shelves, cabling, software etc.)
    • whether man-power costs are to be included or sunk already
    • whether margin is expected to be added or whether it’s sold at ‘cost’

    So these could easily range from just the purchase cost of a new small, slow, disk (i.e. £100/$50 for 500GB) to entirely outsourced DB-spec FC storage with backup at the same cost for a single GB.

    answered Oct 21 ’09 at 14:17

    2017 Stack Exchange, Inc


    5 low cost business ideas to start at university: Starting a business

    #business ideas for college students

    #

    5 low cost business ideas to start at university

    Some of the world’s most famous entrepreneurs started businesses while at university; Mark Zuckerberg, Bill Gates, Sergey Brin, Larry Page – the list goes on – so what’s stopping you from starting up whilst studying?

    According to recent research from Santander. over 80,000 UK university students currently run businesses while studying and collectively generate turnover of over £44m. Impressive to say the least. What’s more, over a quarter of this number plan to turn their businesses into a full-time career upon graduation.

    Action point: Need a loan to start a business of your own? See how we can help here and here

    Dubbed “student start-ups”, budding young entrepreneurs are maximising on being within the university environment to launch a start-up and fund their education, pursue interests, and gain “invaluable work experience as a result of their entrepreneurial ventures”.

    A report from Direct Line for Business also emphasised the fact that entrepreneurialism is alive and kicking in UK universities. It found that more students than ever before are now starting businesses, with popular undergraduate start-ups ranging from creative businesses like clothing design, to hospitality and events promotion and tech-focused firms such as software development.

    And it would seem that there has never been a better time to start a business while at university, if the growing number of initiatives to encourage student entrepreneurs are anything to go by.

    Earlier this year, Europe’s largest student start-up event opened in Liverpool hosted by the National Association of College University Entrepreneurs (NACUE), Mercia Fund Management launched a tax efficient fund for university spin-outs, and a number of universities have been actively doing their bit to promote enterprise. For instance the University of Southampton recently held a student hackathon to find great software concepts.

    With 2015 a golden age for student entrepreneurs, we’ve compiled a guide to five of the top low-cost businesses to start at university, including case study examples from a number of high-profile university entrepreneurs that have scaled their ideas into successful businesses.

    To help you get your university venture off the ground, you’ll also find a handy summary of the funding and support that is available to student and young entrepreneurs in the UK.

    Click the buttons above or below to find out more about the best low cost business ideas to start while at university…

    Comments

    Useful business start up tools

    Forum post of the week

    More business ideas.

    Want to run a more profitable business?

    More from Startups





    Cost of Foundation Repair – Estimates and Prices Paid #foundation #repair, #foundation


    #

    Foundation Repair Cost

    Full House Moderate Repairs: $8,000-$12,000+

    There are two basic types of foundation problems: cracks and displacement from unstable soil, tree roots, earthquakes and/or faulty construction; and deteriorating concrete or mortar from age, flooding or other ongoing exposure to moisture, and/or a substandard concrete mix in the original construction. The signs of foundation failure include uneven flooring, cracked walls, cracked tiles and windows or doors not opening or closing properly.

    Typical costs:

    • It’s crucial to determine the exact nature of the problem. An inspection and report by a structural engineer runs about $300-$800 ; if needed, a soil report by a geotechnical engineer can be $500-$2,000, depending on the complexity of the problem and the level of detail needed in the analysis.
    • Repairing a simple crack in a poured concrete foundation can cost about $400-$800, depending on the extent of the damage. Replacing an entire basement floor can add another $200-$400. And in earthquake-prone areas, reinforcing the foundation with anchor bolts runs $1,500-$3,500 or more.
    • Poor soil causes the most damage. Most foundation repairs involve some form of underpinning — installing concrete or steel piers to support the foundation on deeper, more stable soil. The cost depends on the type of piers used, how deep they have to go to reach stable soil and local labor rates. Piers are placed 6-8 feet apart, and can cost $1,000-$3,000 each. Underpinning just one corner of a house can run $3,500-$5,000 and up.
    • All needed repairs for a typical house with moderate foundation damage start around $8,000-$12,000 but can go as high as $20,000-$30,000. Many homeowners insurance policies do not cover foundation repairs, but financing is often available.

    What should be included:

    • A major foundation repair project could require removing most or all of the landscaping surrounding your home, the use of heavy equipment and possibly tunneling underneath your house. This can be an invasive process, lasting anywhere from a few days to a few weeks, depending on the extent of the problem. Usually a building permit is required; check with your local planning department.
    • The Foundation Repair Association gives an explanation of underpinning and the Foundation Repair Network provides a glossary of terms related to foundation repair[1 ] and an overview of typical house foundations[2 ] .

    Related Costs: Repairing Floor Joists. Roof Repair. Hardwood Floors. Tile Flooring. Vinyl Flooring
    Shopping for foundation repair:

    • Get several detailed estimates; the contractor will need to inspect the property both inside and out before giving a quote. Ask about training and experience; request (and check) references; check that the company is properly bonded, insured and licensed in your state[3 ] ; and see if there are any complaints with the Better Business Bureau[4 ] .
    • Contractor referrals are available from the National Association of Waterproofing and Structural Repair Contractors[5 ] and RamJack[6 ]. a national structural repair company.

    What People Are Paying – Recent Comments

    Bowed WallsAmount: $30,000.00Posted by: Annonymous111
    From: Southern, MN Posted On: June 29th, 2017 06:06AM Type of Repairs:: Steel Beams, Concrete Floor, French Drai
    Contractor:
    Bought a 1926 home without knowing basement walls were bowing. Did not disclose nor did inspection note it. Anyway, we knew it had water issues and when we had a company in to quote on french drain system, he noticed the walls right away. Had 4 companies over and estimated around $25,000-$30,000. Mainly due to needing a new concrete floor to support the steel torque beams and having to move furnace, water heater and all HVAC.
    Steel beams and French Drain = $18,000
    Remove and pour new concrete floor = $6,000
    New HVAC = $3,000
    New Plumbing, Elec, Mics = $3,000
    Waiting to save up the funds and will do next summer. Will practically be a brand new basement. Someone has to take care of old character homes 🙂 Foundation repairAmount: $0.00Posted by: J. Clare
    From: Newmarket, Other Posted On: July 26th, 2015 12:07PM Type of Repairs:: Repair crack put in new concrete step
    Contractor: Ourselves
    So within 5min water is up over our ankles my husband is out of town I panic of course cursing him thinking he hit a pipe or something. I’m out in this rain trying to get water out of hole (I don’t know why) with my son. grandkids are running up and down stairs with little jugs trying to get the water out while jumping in it all the water my 84 yr old mother is sitting by the drain with towels. lmao. what a shitshow I’ll tell ya. oh did I mention we (me hubby and my mother) live in the basement while my son and 2 grandkids live upstairs. everything of coarse got soaked. no insurance cause I cant afford it as I pay 1900.00 a month plus. so I tell landlord what has happened send pictures. his response (when can I pick up rent). needless to say we have given our notice but still need to know what to charge for labor on foundation and step and now on removing all carpet from basement doing repairs down there as the smell was unbearable and we still have to live in it till we Foundation repairAmount: $0.00Posted by: J. Clare
    From: Newmarket, Other Posted On: July 26th, 2015 11:07AM Type of Repairs:: Repair crack put in new concrete step
    Contractor: Ourselves
    We rent our house. last year had flood landlord had some yahoos in to repair. they did foundation at side and back of house. they tore up the interlodoing bricks were here for over a week they finished and just left. never put any bricks back had to dig in kitchen left that a mess. don’t know what landlord paid but was too much. we noticed the front of house in the basement would get wet when it rained so we told landlord he did nothing. we said OK we will do it ourselves and take the cost off our rent. husband got out there dug the hole about 15′ across and 10′ down repaired and sealed the wall filled the hole made a new concrete slab that replaced the cracked one that was there. So here’s my thing. what do we charge the landlord for all the work on top of cost of supplies. just for fun let me tell you the rest. so we have this 15x10x8 hole at front of the house we had torrential rain. the drain in the basement backs up and within 5 min we had water up over foundation RepairAmount: $25,000.00Posted by: Marilyn J.
    From: ft woorth, TX Posted On: May 1st, 2013 03:05PM Type of Repairs:: cracks in walls and cieling
    Contractor: Olshan
    They installed 40 + Piers and told us we would not have any problems at time of selling property.
    They also installed 3 inside of our home. We now have a probolem with the fire place and they are asking foe 3100.00 to install 4 more Piers. We are devistated! foundation repairAmount: $12,000.00Posted by: a user in Dallas, TX.Posted On: June 17th, 2011 07:06AM Type of Repairs:: slab
    Contractor: Premier Foundation Repair and Uretek
    Premier did the perimeter outside my house and Uretek did the interior. It has been approximately three years and now my foundation has deteriorated. Estimate of $19,500 to repair. Foundation RepairAmount: $9,500.00Posted by: BT2
    From: Atlanta, GA Posted On: September 27th, 2010 01:09PM Type of Repairs:: Settling in basement and side deck
    Contractor: Engineering Solutions
    Longitudal cracks visible on exterior and interior of house due to groundwater. Quote for installing French Drain with Sump Pump, 4 Galvanized Helical Piers, and all necessary removal etc. Still shopping around and saving up for project. Foundation RepairAmount: $8,900.00Posted by: Michael G
    From: Collingswood, NJ Posted On: July 21st, 2010 01:07AM Type of Repairs:: Bowed Wall
    Contractor: Quality 1st Basement Systems
    Quality 1st (out of Perth Amboy) installed nine anchors in my foundation wall and two hydraulic jacks under my leaning chimney and guarunteed them both for 25 years. They used a product called Foundation Supportworks . They were finished in one day. Another contractor wanted to jack my whole house up and rebuild the wall for $14,500.

    More Articles in Damage Repair


    Cost of an IUD – Consumer Information #iud, #iud #cost, #iud #prices,


    #

    IUD Cost

    An intrauterine device (IUD) is a small T-shaped plastic birth control device inserted into the uterus during a brief procedure in a doctor’s office. There are two types of IUD — one uses copper and the other, progestin — and the copper IUD is popular among women who want a non-hormonal form of birth control.

    • For patients not covered by insurance, an IUD typically costs between $175 and $600 for the device, insertion and a follow-up appointment. Sometimes an appointment for a pelvic exam, where you discuss whether the IUD is right for you, is required before the insertion appointment can be made. This can cost an additional $35 to $200 — for a total of $210 to $800 .
    • For patients covered by insurance, out-of-pocket costs likely include a copay of $10 to $30 for the initial doctors’ visit and a similar copay for the insertion, or a percentage of the total cost, usually about 20 percent.
    • Many health insurance plans cover IUDs — especially those with a birth control coverage rider. In some states, it’s mandatory; the Kaiser Family Foundation [1 ] lists the 26 states that require insurance with prescription drug coverage to include contraceptive devices. On TheNest.com [2 ] forum, women discuss their experiences with various health insurance plans and IUD coverage.

    Related articles: Birth Control Pills. Morning After Pill. Vasectomy

    What should be included:

    • In the United States, there are two types of IUDs available: ParaGard, which is wrapped with copper to prevent pregnancy and Mirena, which releases low doses of the hormone progestin. Both types of IUD affect sperm movement — preventing sperm from fertilizing eggs — and change the lining of the uterus. The IUD with progestin also can prevent ovulation. It is possible that both types might prevent a fertilized egg from implanting. Planned Parenthood [3 ] has an overview of IUDs.
    • IUDs usually are inserted during a menstrual period, to make the process easier. First, the doctor will run tests to make sure you are not pregnant and do not have any STDs, and might give you a mild pain reliever, such as ibuprofen.The doctor will insert a speculum into the vagina, put antiseptic on the cervix, put the IUD into an insertion tube, which folds down the crossbars of the T-shaped device, and insert the IUD.
    • IUDs are 99 percent effective in preventing pregnancy as long as they remain in place; it is important to check after each menstrual period to make sure the string of the IUD is in the same position. The U.S. Food and Drug Administration [4 ] offers a chart comparing risks and effectiveness rates of various forms of birth control.

    Additional costs:

    • Removal of the IUD might be included in original cost, or it could cost as much as $100 to $200 .
    • Mirena IUDs need to be replaced every five years and ParaGard IUDs every12 years. The cost of replacement is the same as the original cost.

    Discounts:

    • Family planning or health clinics, such as Planned Parenthood, often offer IUDs for a discount to women who qualify, based on a sliding scale. Prices can be more than two-thirds lower than at doctors’ offices.

    Shopping for an iud:

    • Many gynecologists offer IUDs, so check with your regular doctor. Or, check with Planned Parenthood [5 ] or other local health clinics. The U.S. Department of Health and Human Services [6 ] offers a clinic locator by city or zip code.
    • IUDs are recommended for women in monogamous relationships — contracting a sexually transmitted disease while using an IUD can cause scarring and lead to infertility — and who have had at least one child. It also can be used by women who have not had children, but they are more likely to expel it; as many as 10 percent of women who get an IUD expel it in the first year.
    • According to the U.S. Food and Drug Administration [7 ]. risks include: cramps, bleeding, pelvic inflammatory disease, developing a tear or hole in the uterus, lowered sex drive and menstrual changes.

    Material on this page is for informational purposes only and should not be construed as medical advice. Always consult your physician or pharmacist regarding medications or medical procedures.


    Free Web Hosting – Linux, PHP, MySQL, No Ads #free #hosting, #free


    #

    Free Cloud Host

    About our platform

    Freehostia’s load-balanced cluster platform is up to 15 times faster than the widespread one-server hosting platform solution. Furthermore, all our web hosting plans are optimized to work with the most popular PHP web hosting applications: Joomla, WordPress, phpBB, OsCommerce, as well as with more than 50 other free scripts offered by 1-Click Applications Installer .

    At Freehostia, we offer a variety of web hosting services, from free hosting accounts all the way to dedicated servers. Download the PDF to see our full hosting portfolio:

    Hosting Portfolio (PDF)

    Are you looking for a more powerful solution for your business?

    Check out our VPS, Semi-dedicated and Dedicated offers!

    Our data center.

    is located in Steadfast, Chicago, USA. It provides the physical environment necessary to keep the servers up. All servers are accessible from all around the world.

    Testimonials

    I have some free and some paid for Freehostia accounts and it never fails to amaze me how they can provide such good service and support for so little money. I would not hesitate in recommending Freehostia to anyone, don’t be put off by the low price because the service and support is Top Dollar!

    Philip Morris

    I just wanted to thank your support team for their excellent service this afternoon in helping me to recover from a problem by restoring an old copy of my site. The service was prompt, courteous and effective and has saved me from a lot of trouble, if the data had been lost. Great job!

    Dave Worton

    You should teach some lessons on customer relations to other companies because your support is just great, Freehostia. Keep up the good work!

    Lex Blagus

    How much does it Cost to Start a Professional Photography Business? #naming

    #photography business

    #

    How much does it Cost to Start a Professional Photography Business?

    Photography has become one of the in trends right now. Every special event in a person s life needs a photographer to capture and make the moments truly unforgettable.

    So, do you want to go pro? Here are the estimated costs when you are starting your photography business:

    Get a pro photography gear.

    Of course, the most important thing to consider in your financial plan would be the cost of the camera and the accompanying accessories.

    As a professional, you need to have at least two professional cameras. Camera glitch can sometimes happen and you don t want to add to the stress of your client when your camera malfunctions on that very event.

    Your budget and gear will depend on what field of photography business you would want.

    Buy the camera body but not the kit. You can replace the kit with cheaper versions .

    If you are a wedding photographer, consider buying 2 Nikon D750 cameras for $2,000.00 each (total cost =$4,000.00)

    If you are a portrait photographer, consider buying 2 Nikon D7100 cameras for $1,200.00 each (total cost= $2,400.00)

    These recommended lenses will work fine on both cameras and less expensive version than the kit that comes with the cameras above:

    Nikon 35mm f/2.0= $350.00

    Nikon 50mm f/1.8 lens= $299.00

    Nikon 85mm f/1.8 lens= $499.00

    For wedding photographers, you may consider the Nikon Lens 70-200 f2/8: this will do the magic when the wedding is at night or in a dark enclosed church where there is a limited source of light or you cannot go that close to the couple. The cost is about $2,400.00.

    Wedding photographers must have at least 2 flashes Nikon SB-700 (at $329 each) total= $658.00

    Other essential accessories: memory cards, reflectors, light stands, flash triggers, camera bags ($500.00 to $ 1500)

    Computer and software:

    21 iMac Computer= $1299

    2 external memory drives=$ 85 each total: $170.00

    Lightroom and photo shop=$119 per year

    This aspect is the one mostly neglected by newbies in photography business, making their business legal

    Yearly accounting service: $300.00

    Incorporating the business: $125.00

    Photography contracts and attorney fee= $400-$2000

    Because of the evolution of technology nowadays, people think that having a photography business is easy as taking a plunge.

    Sure you may have an informal business at first but if you want to get paid like a pro, you must take your photography business to a professional level.

    Related Posts:

    Significance of UX design you should know

    Social Media Trends for Photo Business in 2016

    6 Tips to Promote Your Photography Business

    Shelter Dogs Find Homes Through Photo Booth Photos

    Starting Your Own Photo Booth Rental Business Part 1

    How to Manage a Small Photography Business




    How to start a college savings plan #pennsylvania #529 #plan, #529


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    A Strategy for Saving

    A child’s first step is one of the most thrilling moments in a parent’s life. It means a lifetime of exploration, discovery, and learning. It also means it’s time for you to take the first step – by starting your college savings plan today.

    The cost of college. Higher education is getting more expensive, so you need to start saving early. This chart compares the average annual cost of tuition in 2016 with expected costs in 2026 and 2036.

    The value of college. Higher education costs a lot – but it pays off. During their working lives, college graduates earn 75 percent more than those without a degree. And college grads are less likely to face unemployment. People with higher education have greater job satisfaction, better health, and are more engaged with their families and communities.

    Saving vs. borrowing. Every dollar you save today means less you’ll need to borrow later. Even if you only save a little, you can reduce the crushing debt many grads face. A regular program of saving – starting small and starting early – will provide the boost your child will need. By starting today, you can put dreams of college within their reach.

    Pick the Plan that Works for You

    Saving for college is an important investment that will pay huge dividends throughout your child’s life. But first, you need to figure out how. Many financial experts agree that 529 plans are the best option for most families.

    The Pennsylvania 529 College Savings Program offers two ways to save:

    PA 529 Guaranteed Savings Plan (GSP) – A simple, lower-risk way to help keep pace with rising tuition costs. Save at today’s lower GSP credit rates. For example, if you save enough for a semester at one of the state universities today, you’ll have enough for a semester at that school in the future – no matter when or how much tuition has gone up in the meantime. The PA GSP offers five average tuition levels to select from, and growth is based on tuition inflation.

    PA 529 Investment Plan (IP) – Returns on contributions are based on investment performance of your choice of 15 investment options ranging from aggressive to conservative, including age-based options which automatically progress from more aggressive to more conservative as your child approaches college age.

    Compare Plans

    Copyright 2013 Pennsylvania Treasury

    The Pennsylvania 529 College Savings Program sponsors two plans – the PA 529 Guaranteed Savings Plan (GSP) and the PA 529 Investment Plan (IP). The guarantee of the PA 529 Guaranteed Savings Plan is an obligation of the GSP Fund, not the Commonwealth of Pennsylvania or any state agency. Before investing in either plan, please carefully read that plan’s disclosure statement to learn more about that plan including investment objectives, risks, fees, and tax implications.

    If you are not a Pennsylvania taxpayer, consider before investing whether your or the designated beneficiary’s home state offers any state tax or other benefits that are only available for investments in that state’s qualified tuition program.

    529 College Savings Plans

    Programs established and maintained by a state (or college) and recognized under Internal Revenue Code Section 529.


    How Much Does a Doctorate Degree Cost? #how #much #do #online #degrees


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    How Much Does a Doctorate Degree Cost?

    The Average Cost of a Doctorate Degree

    According to the U.S. Department of Education’s National Center for Education Statistics (NCES), the average net price of a doctorate degree at a public school in the 2013-2014 school year reached $10,725 each year. Private school tuition during the same year rose to $22,607 annually. A typical doctoral program takes five full-time years to complete, bringing the total cost to roughly $53,625-$113,035, depending on whether attendance is at a public or private school.

    Find schools that offer these popular programs

    • Agriculture
    • Architecture
    • Biological and Biomedical Sciences
    • Business
    • Communications and Journalism
    • Computer Sciences
    • Culinary Arts and Personal Services
    • Education
    • Engineering
    • Legal
    • Liberal Arts and Humanities
    • Mechanic and Repair Technologies
    • Medical and Health Professions
    • Physical Sciences
    • Psychology
    • Transportation and Distribution
    • Visual and Performing Arts

    How to Pay for a Doctorate Degree

    NCES reports that over half of all doctoral students attend school full-time and 88.3% borrowed some form of financial assistance in 2011-2012. Many lending companies, non-profit organizations and employers offer financial aid to help students pay for their education.

    Preferred Options

    Fellowships, grants and scholarships do not need repayment, but often come with strict eligibility requirements. Many schools offer annual stipends, assistantships and on-campus teaching jobs to help a student fund his or her education. Doctoral students should look into any type of free aid available before applying for loan assistance.

    Student Loans

    Student loans from public and private lending institutions offer additional means of financing graduate school. Underprivileged students may find federal interest-free loans that may offer deferment of payment for a period of time after graduation.

    Salaries of Doctorate Degree Graduates

    In February 2016, PayScale.com estimated the median salaries for Ph.D. degree holders based on the type of employment. University professors earned a median salary of $68,377 per year. Outside of academia, corporate employees grossed a yearly median income of $103,055, followed closely by self-employed entrepreneurs who earned approximately $99,995 annually. In addition to the education and training a doctoral degree provides, salaries are also contingent on the number of years of experience an employee brings to the position.

    Next: View Schools

    Most people have a perception of med school that includes countless hours of lectures, lab work and studying without much sleep.

    It may no longer be so difficult to get into medical school in the U.S. – almost two dozen new med schools have just opened or.

    Degrees in medical biochemistry typically cover biology and medicine topics. Find out about the curricula of these programs.

    Learn about the education and preparation needed to become a medical investigator. Get a quick view of the requirements as well.


    How much does bar insurance cost #nightclub #insurance #cost


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    How much does bar insurance cost?

    Answered by The WikiAnswers Community

    Answers.com is making the world better one answer at a time.

    It depends. I would say an average premium for a well insured bar that does $200,000 a year in sales and has $100,000 of property insurance, shoud expect to pay about $3,000 – $5,000 a year. The premium will depend upon years in business, claims history, live entertainment or not, and other factors as well.

    There are a few key coverages for bars and taverns. Along w/ general liability property insurance you need liquor liability and assault battery coverage. General liability excludes bodily injury and property damage resulitng from the sale of alcohol. As well, general liability excludes expected or intended injury, which creates the need for assault battery coverage. I.E. if your bouncer hurts somebody while throwing them out the bar.

    Your liability premiums, both general liquor, will be based on your annual sales. Assault and Battery coverage is typically fixed and varies depending on the amount of coverage you desire. Your property rates will be determined by the amount you want to insure along w/ characteristics of your building, location, and some other factors as well.

    Minor edit? Save Cancel

    Was this answer useful?

    Yes Somewhat No

    Thanks for the feedback!

    Nine years of answering historical, educational and home improvement questions on answers.com. If I don’t know the answer, I look it up

    Generally, this will depend on the circumstances of where the home is located, the type of home, its age, the riders you have on it for contents and wheth er you have chosen replacement costs, whether it is in a flood plain and so on. In my personal experience, it has been around $1,000 a year without being in a flood plain or having excessive contents. (MORE)

    i think they will pay around 1,000 or so but they cost around 1,000-5,000 its so much but my parents say its worth it i need to ask my dentist about braces when i go for check up and they will tell me when i am ready for braces cant wait but i think that if you have medical they’ll pay for all of it i don’t know (MORE)

    About as much as car insurance. Actually, it cost me, in Georgia, for Full coverage on my 2 motorcycles, about 1/4 what it cost me for full coverage on my 2 m otorcycles. And no, I didn’t skimp anywhere on any of my coverages, all deductibles on all policies are set at $250, all late model vehicles, both motorcycles are Harley Davidson. We did both go to the Harley Davidson Rider’s Edge school, which I believe gave a discount on both car and motorcycle insurance. If it cost me as much as my car insurance, I wouldn’t be riding! (MORE)

    Retired with years of experience with Food, FDA and internet surfing.

    The cost for starting a bar varies quite a bit. If you want a small bar aimed at attracting customers in local neighborhoods, then the costs are a lot smaller t han a dance bar a business district. If you plan on leasing space to start your bar you can expect that with equipment, 6 months of expenses and employees’ pay, any education you obtain, licenses, and drink and food inventory you can spend around $100,000 at a basic minimum. That’s not even counting the insurance. If you’re building your own bar, then the costs can easily add into the $300,000+ range. (MORE)

    In 1933 the cost for 10 bars of soap was 27 cents but today in 2010 the cost of soap is $4.09 so you are paying a total of $3.82 extra than back in 1933. That’s a big difference. (MORE)

    Well, there are different weights for gold bars, look at the chart below: 1 gram: $40-70 2 grams: $70-$105 5 grams: $140-$180 10 grams: $350-$400 20 g rams: $500-$590 1 oz: $1000-$1,200 5 oz: $5,000-$5,500 10 oz $10,00-$11,000 1 kilogram: $40,000-$60,000 400 oz (ounce): (Not sold to public) Approximately $100,000-$500,000. Hopes this helps! Gold bars are great for investing in gold. (MORE)


    25 Profitable Transportation Business Ideas – Low Cost #business #apps

    #service business ideas

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    25+ Profitable Transportation Business Ideas Low Cost

    Are you looking for transportation business ideas? Transport business opportunities are emerging globally nowadays. Transportation is one of the world’s largest industries. Different types of specific demand with the changing lifestyle habit have introduced several innovative and profitable startup opportunities in the transport industry. Transportation and logistics sector is growing rapidly worldwide. The success of transportation and logistics companies depend decisively on the quality and qualifications of its employees. Broadly, aviation, shipping ports, land transport and road freight logistics are the major

    Transportation and logistics sector is growing rapidly worldwide. Over recent years, globalization placed intense new demands on the transportation and supply chain sector. The success of transportation and logistics companies depend decisively on the quality and qualifications of its employees. Broadly, aviation, shipping ports, land transport and road freight logistics are the major sectors. Business and technology trends have driven immense changes in the transportation sector over the past three decades. The information age, with its introduction of sophisticated databases that can track inventory levels and shipments on a global basis via the Internet, has created vast transport and logistics efficiencies. Here in this article, we intend to provide 25+ highly profitable transportation business ideas for startup entrepreneurs.

    List Of 25+ Profitable Transportation Business Ideas

    Air cargo is the most popular and effective way of sending shipments to long distance fast. Any individual can start an air cargo shipment company. Prior experience is a must. This is a capital intensive business.

    #2. Aircraft Maintainance

    Aircraft maintenance service is a self-rewarding white colored business sector in the transportation industry. As the aircraft population is increasing, the demand for good quality maintenance service is also growing.

    The ambulance service business intends to provide emergency and non-emergency transportation of people to hospitals, physicians, physical therapy clinics, and outpatient centers. This business can be initiated in urban and suburban areas. Proper marketing planning is required to get more customers.

    Auto-body store business is providing services of auto body repairing and new body building as well as selling spare parts and accessories related to the vehicle body. As the number of the vehicle is growing, the business opportunity for an auto-body store is also increasing globally. Read More

    Auto detailing business is a great way to make extra money with low investment. Startup costs are low and earning potential is very high. Creative marketing is the key achieving success in this business. You must not promote your services beyond your operational reach. Read More

    #6. Battery Reconditioning

    Battery reconditioning business is providing the service of restoring energy less battery to its full original capacity. It can be done by adding some chemicals and using some simple method. As the vehicle population is growing and consumers are becoming more cost conscious, the potential of increasing this business is obvious. Read More

    A person living in a strategic place of a high density of population with business centers and entertainment outfits, car rental business would be a lucrative and profitable venture for him. The primary operation would involve scheduling customer reservations and supply rental car. Read More

    Car storage business is simply providing parking spaces to the vehicle owners. The primary criteria are, you must have a vacant low-cost storage space to offer. Providing safety and security is a must during car parking.

    #9. Charter Bus Service

    Charter bus generally serves the institutional community clients. Such as factories, offices, schools, education institutes and clubs. The business is capital intensive.

    #10. Cold Chain Logistic Company

    Cold chain logistic is an uninterrupted series of storage and distribution activities which maintain a given temperature range. It is used to help extend and ensure the shelf life of products such as fresh agricultural produce, seafood, frozen food, photographic film, chemicals, and pharmaceutical drugs.

    The secret of a successful courier service business is providing services not available from the comparatively bigger companies. This is a management intensive business. Creating a trustworthy brand value is a must. Read More

    #12. Double Decker Bus Tour

    Double decker bus tour is very attractive for fun loving tourists. You can start a double decker bus tour company with sightseeing facility. The key to success in this type of tour business is to make sure the tour business is operated in a busy tourist area.

    Driving school business can be initiated at metro or suburban cities as small scale basis. Any individual with good knowledge about driving can initiate this venture with moderate capital investment. Read More

    #14. Driving Service For Seniors

    This is one of the most innovative transportation business ideas for startups. Driving service for seniors is providing some more services than normal driving service. It includes taking them shopping, to doctor’s appointments, social events, etc.

    #15. Drop Shipping Service

    Drop shipping is an eCommerce fulfillment method. In this operation, a store doesn t keep the products it sells in stock. Instead, when a store sells a product, it purchases the item from a third party and has it shipped directly to the customer. Starting a drop shipping company is a profitable business.

    #16. Gas Filling Station

    A gas filling station with allied services like car washing and repairing, is a profitable business to start with substantial capital investment. Demand depends on the volume of consumer and commercial driving. The profitability of individual companies depends on the ability to secure high-traffic locations, generate high-volume sales, and buy gas at the lowest possible cost

    The logistic company is one of the most profitable transportation business ideas to start with moderate capital investment. The area of operation is vast. Logistics is generally the detailed organization and implementation of a complex operation. The primary focus area is providing the right item in the right quantity at the right time at the right place for the right price in the right condition to the right customer.

    #18. Luxury Bus Rental

    Luxury bus rental business opportunity demands initial aggressive advertising and marketing drive. An entrepreneur having experience in the travel business and passionate about traveling can initiate this venture. Read More

    Running a mobile car wash business is a smart way to make a lot of money without taking much risk of capital investment. The business also eliminates the requirement for a retail business location. Read More

    #20. Mobile Oil Change

    A person having a passion in automobile industry and years of experience can start a mobile oil change service business to make money out of it. You can start this business with small capital investment. Read More

    #21. Petrol Pump / Fuel Station

    Petrol pump or fuel station is the capital-intensive business. The operation with allied services is a lucrative proposition for new entrepreneurs. Check the rules and regulations of your state before starting.

    #22. Transport Blogging

    A niche blog focused on transportation is a perfect digital business. You can earn from advertising revenue and affiliate selling.

    One of the most sophisticated transportation business ideas for the entrepreneurs. A full fraged travel agency have lot of responsibilities. Right business plan with right operating procedure is crucial in this business. Read More

    Tyre store business opportunity demands full control of inventory and some adequate knowledge about different types of tyres. It generally comes with different unique numbers. One can start this business in a metropoliton city or in small towns. Read More

    #25. Vehicle Towing Service

    Initiating a vehicle towing service is perfect for them who have years of experience in automotive sector and passionate working with automobiles like cars, trucks etc. Read More

    #26. Vulcanizing Service

    Vulcanisation is a chemical process for converting natural rubber or related polymers into more durable materials via the addition of sulfur or other equivalent curatives or accelerators. Vulcanizing store with allied services is one of the most profitable transportation business ideas in retail industry.





    ABORTION IN MUMBAI INDIA – Safe Legal Confidential abortion in India #abortion


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    Safe and Legal Abortion

    “Abortion is no longer a dangerous procedure. This is true not only for therapeutic abortions performed in hospitals but also so-called illegal abortions performed by the physician. In 1957, there were only 260 deaths across the country attributed to abortions of any kind. 90 percent of all illegal abortions are being performed by doctors. Whatever trouble arises usually arises in the self-induced abortions, which account for about 8 percent, or very small percentage that goes to a form of non-medical abortionist “

    Abortion Law in India

    Indian abortion law under medical termination of pregnancy (MTP) Act, passed by the Indian Parliament in 1971. MTP Act came into force April 1, 1972 and was again amended in 1975. medical termination of pregnancy (MTP) Act of India has clarified the conditions of a pregnancy can be terminated or canceled, people who are qualified to perform abortions and place of implementation.

    FAMILY HOSPITAL – ABORTION CENTER

    The Family hospital – Abortion center is dedicated center for Women for safe and confidential abortion services which does legal first and second trimester abortions.
    It carries out the complete spectrum of Medical and Surgical abortions in a Government recognized legal Abortion unit under the supervision of qualified OB-GYN and caring nurses.

    A BORTION INFORMATION FOR FILIPINO WOMAN

    Fly to India for Safe and Legal Abortion

    India is the preferred destination for abortion for women and expats residing in countries where abortion is legally banned. India is safe and convenient and well connected by all major airlines. The Medical facilities are of international standards, Doctors are professional and experienced, staff caring and friendly and moreover English is the spoken language spoken by one and all.

    VIBHA – THE FAMILY HOSPITAL

    VIBHA – THE FAMILY HOSPITAL is a women health care center located in the western suburb of Mumbai. With close proximity to both domestic and International airport and well connected by private and public transportation – the hospital is the most popular not for profit organisation taking care of all aspects of women health.

    Vibha – The Family Hospital is devoted to providing confidential and compassionate women health care.

    The clinic has a team of experienced OBGYN s dedicated to women gynaecological and obstetric treatment.
    Abortion services includes –

    • Medical abortion or Medical pill upto 45 days of pregnancy
    • First Trimester abortion – upto 12 weeks
    • Second Trimester abortion – upto 20 weeks

    ABORTION INDIA

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    Low Cost California Health Insurance Quotes #low #cost #insurance #in #california


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    Great reasons to shop and apply for your California health Insurance at Nicole Knows Health Insurance

    Our Promise is to quote you the lowest prices, to answer your questions, help you find the best health and life insurance plan, and to always provide the best personal service! We are as independent agency and are experts in affordable California and Nevada health insurance for you and your family. We find the most affordable plan for your needs and not just sell you any plan. We work closely with all the major California and Nevada health insurance providers to make sure we have the best most affordable plans available to you.

    Compare multiple plans and rates from all top California and Nevada health insurance companies.

    Instant lowest priced California health insurance quotes from major carriers like Anthem Blue Cross, Blue Shield of California, Health Net, Aetna, Kaiser Permanente.

    We have the Lowest Prices anywhere, Guaranteed!

    Premiums are regulated by the California Department of Insurance and cannot be changed by Individuals. At Nicole Knows health Insurance you will receive the highest service and caring of an independent agent along with the resources and knowledge of our entire agency.

    We make it Quick and Easy to apply for California Health Insurance.

    Nicole Knows health Insurance provides you with California health insurance provider links so that you may directly apply online and get approved fast. We also provide printable PDF health insurance applications for your convenience. Just fill it out and mail it in if your prefer paper applications.


    25 Free Low Cost Advertising Tips by Small Business Expert Tom Egelhoff

    #business advertising

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    25 Free Low Cost Advertising Tips

    by Tom Egelhoff

    (Tom’s FREE Podcast for this topic is available. – For More Info Click Here)

    If there is one mistake small town businesses make more often than any other it’s, What ever is left over, we’ll use for advertising.

    Marketing and advertising is an investment, not an expense. I know it sure seems like an expense to me when I’m writing the check, but trust me it’s not.

    Without enough money put aside for advertising your sales can go down and you suddenly have less and less for promotion.

    When do you advertise the most? For most businesses it’s the first day of business. Don’t you have a Grand Opening, balloons, flyers, ads, on-site radio stations, contests, and prizes? Did the income from sales pay for that? No, it didn’t. You advertise most when you need business. You advertise more when you don’t.

    An average cost of advertising is usually 1 to 5% of gross sales, which can vary according to location, local advertising rates, and industry. Car dealers need more advertising than funeral homes.

    Before we get to the 25 tips let’s look at the basic strategies of successful advertising.

    * In order to be successful, your advertising must provide a consumer benefit or solve a problem.
    * That benefit or solution must be wanted by the consumer.
    * The product or service you are offering must be tied directly to that benefit or solution.
    * The benefit or solution must be distinctly communicated through medial advertising. In other words, be clear, forget the advertising glitz and make sure the message isn’t lost in the ad.

    A small-budget advertiser doesn’t have the ”deep pockets to develop big advertising campaigns. Some time you need to break the rules to be noticed. Avis did it by admitting they were Number 2 in the car rental business and that campaign took them from 6th place to second place. When they stopped that campaign they dropped back to 6th again. In the past year they have gone back to it.

    Budget conscious advertisers must achieve top results for their advertising dollar. Expand your dollars by adopting some creative techniques.

    Here’s 25 tips I hope will help you.

    1. Radio, newspapers and magazine specialists will frequently give free help in developing an advertising strategy. Things like demographic information, money-saving ways to produce your ads etc.
  • Place your ads in off hours or in unusual locations for less. Many times you can still reach your target market with these spots.
  • Instead of a one-time big splash ad, be consistent with frequent small ads that work.
  • Monthly magazines sometimes have unsold ad space at the end of the month they will sell at a discount.
  • If you have an 800 number, put it in every ad for immediate response and feedback.
  • Try advertising consistently in the classifieds. These ads may draw more customers than more expensive display ads.
  • Can you barter for the cost of ad production? Maybe the newspaper needs painting in exchange for an ad about your paint store.
  • Piggyback advertising are the ads you receive with your Mastercard bill. Is there someone in your town that sends out a lot of bills? Can you put a small flyer in with their bills and split the postage? Or pay a small fee?
  • Split advertising costs with the people who sell to you. Vendors and manufactures are always looking for exposure. Let people know you carry their products and have the vendor pick up part of the ad cost.
  • Are there up front advertising discounts for cash?
  • Consider advertising in regional issues of national magazines. The costs are lower and you can still reach your target market. TV Guide is a good choice. It stays around for at least a week. Time, Newsweek, and US News and World Report may stay in local doctors offices for years.
  • Share ad costs with neighbor business. Video stores and Pizza parlors are natural partners. Have coupons to each others stores or share the cost of flyers.
  • Try reducing the size of your ad (not in the Yellow Pages) or length of your radio spots. A 60 second spot is not twice as much as a 30 second spot but you won’t get twice as many customers for a 60 over a 30. Going with small ads or shorter spots will allow you to do more ads which normally pulls more customers. It’s better to be there every day with small ads than every month with one big one.
  • Develop tight production controls to minimize the need to reject finished ads. The message is more important than the messenger. Don’t try to produce ads that win awards, produce ads that sell.
  • Who are your very best customers? Aim your ads to talk directly to people like them.
  • What will suppliers give you in the way of point-of-purchase materials. Posters, stand ups, handouts, etc. Some have excellent display racks you can use.
  • Some national chains like Coke and Pepsi provide outdoor signs for businesses. There are also indoor lighted signs you write on with special markers to advertise your special offers.
  • Can you sponsor a community event? A fun-run, golf tournament, or other event that will be well publicized in the community. Your name may not be prominently displayed but sometimes the positive exposure in the community will bring in new customers.
  • Small businesses can seldom afford saturation advertising. You must be selective in the media that reaches your customers. Pin your ad reps down and make them show you exactly how their media reaches your target audience.
  • Exploit the media you choose to the fullest. If your message is verbal, you don’t need TV. Use radio, billboards and newspapers to the fullest.
  • Consider direct mail. A letter and brochure before customer contact can increase business. An IBM study concluded that selling time can be reduced from 9.3 to 1.3 total hours with direct mail advertising. A Sales and Marketing Executives International Study showed salespeople went from eight orders per 100 cold calls to 38 orders per 100 when direct mail was used.
  • Try an editorial style ad. These are ads that look like actual stories in the newspaper. They will have advertisement at the top of the article. Develop a good headline, and 50% more people will read the article than would read an ad of the same size.
  • You can’t match larger competitors dollar-for-dollar but, you can use unusual approaches (like the Avis idea above), color, music, slogans, humor (be careful here), or media selection to win your market away from the big guys.
  • Due to the high costs of conventional advertising on, radio, TV, newspapers, many cost conscious business have been forced to look for lower cost methods. Can you advertise on parking meters, taxi boards, balloons, blimps, and grocery shopping carts. Community bulletin boards, movie ads, and weekly newspaper shoppers.
  • Key your ads. Put something in the ad that will let you know which media it came from. On coupons, put a code that will record the paper and date of the ad. In radio or TV, have them mention the ad to get the discount. Ask every customer how they found you.
  • Plan for a rainy day. During the year put a small amount aside each month for emergencies. You never know when you’ll need to react quickly to whatever the competition is doing. You must be able to capitalize on breaking national events or news regarding your industry. If negative things happen in your industry you may need to respond quickly to make sure the right message is presented.
  • Always give the customer more than you promised and more than they expected. This is tip number 27 of the 25 we advertised. Maybe this last one is the one you needed.
  • I hope these tips will help your business grow. Not all may be relevant to your particular situation. Hopefully, they will illustrate the importance to plan and control your advertising budget.

    Listen in on Tom’s weekly radio show Open For Business on AM 1450 KMMS Radio, Bozeman.
    Have a business question for Tom? Click here to get Tom’s advice for free.
    Stay up to date on business issues. Join Tom’s Blog.

    This article may be reproduced for your non-profit group or organization provided it is not altered in any way and the following is attached:

    Based in Bozeman, MT, Tom Egelhoff is the author of How To Market, Advertise Promote Your Business Or Service In A Small Town. and The Small Town Advertising Handbook: How To Say More And Spend Less. He is also a seminar and workshop presenter and trainer. He may be reached at 888-550-6100 or PO Box 271, Bozeman, MT 59771-0271

    Would you like Tom Egelhoff to speak at your business function or convention?
    Click here for information, topics and pricing.





    Top 10 Cheapest UK Universities for an MBA – Complete University Guide


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    Top 10 Cheapest UK Universities for an MBA 2016–17

    Every year the Complete University Guide carries out the the Reddin Survey of University Tuition Fees. The Reddin Survey is the only comprehensive survey of university tuition fees across the United Kingdom and as such can prove a useful resource for prospective students throughout the UK. Especially those seeking a bargain.

    The illustrious MBA qualification has its values but it certainly has its costs, one being the potentially monumental costs of studying for one. Here we list the UK’s 10 cheapest MBA degrees*.

    *fees are per academic year for UK/EU students studying full-time and commencing their course in 2016

    “Clockwise from top left: Cardiff Metropolitan, Derby, Newman and Worcester”

    =10. Cardiff Metropolitan University, University of Derby, Newman University and University of Worcester

    £9,000

    In joint 10th position in our Top 10 Cheapest UK Universities for an MBA is an astonishing four-way tie. Cardiff Metropolitan University. the University of Derby. Newman University and the University of Worcester all offer MBA courses for £9,000, giving you a healthy selection to choose from if this is your budget.

    Canterbury Christ Church University also offers MBA courses from £9,000, ranging up to £15,000.


    The Cost of LASIK – Learn the factors that influence LASIK Prices


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    Lasik MD

    LASIK Costs

    Introduction – What influences the cost of LASIK?

    As discussed earlier, most LASIK patients have never shopped for medical services, so comparison to the more familiar process of purchasing a new car can provide perspective.

    If the only consideration were price, then the $9,455 Chevrolet Aveo would no doubt be a top selling car. Instead, the average vehicle sells for over $30,000, and many luxury cars top $50,000 due to a combination of technology, performance, safety, reputation and reliability that buyers find attractive. The cost of LASIK varies for many of the same reasons.

    When analyzing the cost of LASIK, it is first necessary to clearly define exactly what is included in the price and then to understand the factors that influence LASIK prices.

    What’s included in LASIK prices?

    Preoperative exam: A preoperative examination is an obvious necessity. However, some discount centers charge separately for the examination in order to quote a lower price for the surgery, so it’s important to verify that the preoperative examination is not an extra charge.

    The procedure: LASIK, IntraLASIK, PRK, LASEK or Epi-LASIK.

    Antibiotic and anti-inflammatory eye drops: These can cost as much as $150 if not included.

    Postoperative care: Again, discount centers sometimes itemize postoperative care separately, so it’s important to verify that postoperative care is included and to document the duration.

    Retreatments: A second procedure is often performed when the first one doesn’t fully correct the vision. If not included, a retreatment could cost as much or more than the first treatment. Therefore, it may be wise to document the maximum cost of retreatment before making a commitment.

    The factors that influence the cost of LASIK are numerous.

    Office overhead: This includes rent, staff salaries and benefits, computers, telephones and other items of infrastructure. Perhaps the greatest source of variance is in personnel, as high-end practices often employ more costly certified ophthalmic assistants and certified ophthalmic technicians to assist in preoperative testing and surgery.

    Supplies: Many disposable supplies are used in laser vision correction, including medications, sterile gloves, gowns and drapes, masks, shoe covers and microkeratome blades.

    Insurance: With the present legal environment, even surgeons who have never had a malpractice claim must pay several thousand dollars a month for malpractice insurance, in addition to the cost of insuring their equipment.

    Preoperative testing: Thorough preoperative testing is essential to identify risk factors and prevent problems. However, it is quite costly from a time standpoint, and the level of detail varies considerably among practices.

    Equipment: The instruments used for important tests such as corneal topography, corneal pachymetry, keratometry, tear film analysis and pupil size are available at different price points. For example, some surgeons measure nighttime pupil size by turning off the room lights, holding a piece of paper with small black circles of known size next to the eye, shining a small flashlight on the eye and visually estimating the pupil size to the nearest millimeter. Others spend thousands of dollars on sophisticated instruments that measure to the nearest 1/10th of a millimeter under rigorously controlled lighting.

    Surgeon provided care: In traditional private practices, the surgeon provides comprehensive patient care. The process begins with a consultation that includes preliminary tests and a one-on-one discussion with the surgeon. If the results look promising, then the next step is a comprehensive examination with the surgeon and another one-on-one discussion of the results. If surgery is advisable, continuity of care is maintained, as the surgeon performs the procedure and provides the postoperative care.

    Because a surgeon’s time is valuable, business-oriented discount centers have cut costs by eliminating the surgeon from most of the process. The initial consultation, preoperative examination and postoperative care are delegated to others. Quite often, the only time the patient ever sees the surgeon is under the laser for the procedure itself. The surgeons in these centers are typically employed as independent contractors and paid on a per-case basis. Known in industry lingo as “shooters”, many of these surgeons travel between offices and perform surgery for multiple centers.

    Lasers: The excimer lasers used in laser vision correction are expensive, with a price range of $300,000 to $400,000. Maintenance contracts cost around $50,000 per year, and periodic upgrades are often priced in excess of $100,000. Therefore, practices that invest in the latest technology typically charge higher fees.

    Royalty fees: With the exception of NIDEK, all laser manufacturers charge the surgeon a per-eye royalty fee for use of the laser. For conventional treatments, these fees range from $100 to $150 per eye, and custom treatments are more costly, usually around $250 per eye. In a large part due to the lack of royalty fees, the NIDEK is the favorite laser in discount centers.

    Advertising: Most practices with significant surgical volume advertise heavily, with monthly advertising budgets of $10,000 to $100,000 or more. Depending on local market factors and the success of a particular campaign, advertising can account for $100 to $300 of the per-eye procedure cost.

    Custom wavefront technology: Custom wavefront-guided laser treatments are one of the main reasons for an uptrend in LASIK prices over the last few years. In addition to the higher royalty fees associated with custom treatments, practices that offer wavefront technology must invest approximately $75,000 for a wavefront analyzer and as much as $150,000 for laser upgrades related to wavefront technology.

    Intralase: Increased use of the Intralase laser for creation of the LASIK flap is another reason for the uptrend in LASIK prices. The Intralase laser is enormously expensive (about $425,000) and requires its own $40,000 annual maintenance contract, as well as a $160 per-eye fee for the glass cones used in the procedure. Not surprisingly, practices that invest in Intralase must charge more to offset the cost of their investment.

    Commentary

    Perhaps it is a testament to laser vision correction’s high rate of success that some patients shop for discount surgery. After all, who shops for discount heart or brain surgery? More likely, bargain shopping is simply due to a lack of familiarity with the many factors that influence prices, which can lead to the erroneous assumption that all providers are the same. Once again an automotive analogy will help provide proper perspective on prices.

    Look at the big picture: Almost everyone is excited to drive home in a new car. Unfortunately, by the time the car leaves the dealer’s lot, it has depreciated by more than the cost of quality LASIK, and it will continue to lose value for many years to come. What’s more, some relatively frivolous options cost more than the difference between low-end and high-end LASIK. After all, wouldn’t it be better to forgo the $995 chrome package on a new Ford Fusion and instead upgrade your eye surgery to the highest standards?

    LASIK provides long-term value: Unlike automobiles, which continuously lose value, laser vision correction is an investment in better vision that leads to tremendous long-term savings over eyeglasses and contact lenses, in addition to the lifestyle benefits that have made it so popular.

    You get what you pay for, so use common sense: Sure, it is possible to get a good deal on a $56,000 Lexus, just like it is possible to find a nice price on a $9,500 Chevy Aveo. But you can’t buy a new Lexus for $9,500. Nor can you find surgeon-provided care, detailed preoperative testing on top-shelf instruments, an Intralase flap, and wavefront-guided custom laser treatment for bargain basement prices.

    LASIK is eye surgery. The only thing to consider is what is best for your eyes. There are millions of ways to save money that are better than having cheap eye surgery. Granted, LASIK is popular in part because results are generally very good, regardless of surgeon or center. But make no mistake, state-of-the-art technology in the hands of an experienced, conscientious surgeon produces better vision than outdated technology in lesser hands.

    Find the best surgeon and finance, if necessary. When comparing apples to apples, the price difference between surgeons is usually small. However, if faced with a decision between a more experienced surgeon with a higher price and a less experienced surgeon with a lower price, always choose the better surgeon and obtain financing, if necessary. Virtually all LASIK practices offer financing and even at high-end providers, monthly payments are quite affordable.

    Find a LASIK surgeon you can trust:


    2017 Alarm System Repair Costs #cost #of #a #home #security #system


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    How Much Does it Cost to Repair an Alarm or Security System?

    Occasionally, home alarms or security systems experience a malfunction/failure and require repair. In general, most home security repair jobs require professional assistance from the alarm company or a specialized repair service. Here are some factors that influence the complexity and cost of such a repair.

    How Does a Security System Work?

    Many basic systems use circuit breakers or switches installed in doors and windows of the home. When the door or window opens, the circuit is broken and an alarm sounds. The alarm can then be disabled by means of a code entered into a nearby keypad in case of authorized entry. Otherwise, the alarm will persist, alerting neighbors, and if a monitoring system is in place, the police will be contacted. The initial installation or replacement of a security system will cost between $514 to $676 on average.

    Reasons for Repair

    These are a few examples of why an alarm system may require repair:

    • False alarms: Essentially, the alarm goes off without any obvious reason, which in some areas can result in fines from local law enforcement.
    • Faulty window alarm contacts: The circuit breakers for one or more windows no longer functions properly.
    • Faulty door alarm contacts: The same as above but for doorway alarm switches.
    • Alarm battery replacement: Systems often run with a battery backup that may need periodic replacement. Additionally, motion detectors need battery changes every one to two years, depending on the type used.
    • Bad power supplies: The main power supply may require replacement, especially if it is an older unit.
    • Annoying alarm beeps: These are difficult to diagnose, but the alarm consistently beeps for no discernible reason. Sometimes, it’s as simple as the battery.

    Why Hire a Professional

    Having security system issues diagnosed and repaired by professionals makes sense in a lot of cases. Oftentimes, the job is too complex for the average homeowner. Why else shouldn’t homeowners DIY their alarm system repair?

    1. Some repair work associated with security systems is very delicate and requires specialized tools to be certain that the job is done right and that the repair will last. Most homeowners do not own tools for this kind of job.

    2. Some stripping and splicing may be necessary to complete repairs. Professionals have the experience and proper equipment to tell a live wire from a safe one and avoid unnecessary electrical shocks a lot more easily than the average homeowner.

    3. Setting an alarm off while attempting a repair is relatively easy to do. Professionals are more savvy and can often disable the alarm temporarily to conduct repairs or communicate with the monitoring service to set the alarm in test mode.

    Monitored vs. Unmonitored Security Systems

    A monitored system goes through a security company that is alerted when the alarm goes off and can help manage situations where the system becomes active, including home-invasions and false alarms.

    Unmonitored systems

    Homeowners using these systems must test and repair them without prearranged assistance. In this scenario, a homeowner would be advised to contact a specialized repair service for maintenance and repairs, which can be somewhat costly. The cost of maintaining a system is extremely variable.

    Monitored systems

    These may include free or reduced-cost technical support for maintenance and repair. This makes it easier for a homeowner to keep their system in excellent condition and able to have more confidence in its functionality should an emergency happen. On average, homeowners can expect to pay about $300 per year for monitoring.

    All of this influences the potential cost of security or alarm system repair, whether it involves simple battery replacement or full or partial rewiring of the system. Either way, professional repair is the safest option that is most likely to yield quality results.


    25 Free Low Cost Advertising Tips by Small Business Expert Tom Egelhoff

    #business advertising

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    25 Free Low Cost Advertising Tips

    by Tom Egelhoff

    (Tom’s FREE Podcast for this topic is available. – For More Info Click Here)

    If there is one mistake small town businesses make more often than any other it’s, What ever is left over, we’ll use for advertising.

    Marketing and advertising is an investment, not an expense. I know it sure seems like an expense to me when I’m writing the check, but trust me it’s not.

    Without enough money put aside for advertising your sales can go down and you suddenly have less and less for promotion.

    When do you advertise the most? For most businesses it’s the first day of business. Don’t you have a Grand Opening, balloons, flyers, ads, on-site radio stations, contests, and prizes? Did the income from sales pay for that? No, it didn’t. You advertise most when you need business. You advertise more when you don’t.

    An average cost of advertising is usually 1 to 5% of gross sales, which can vary according to location, local advertising rates, and industry. Car dealers need more advertising than funeral homes.

    Before we get to the 25 tips let’s look at the basic strategies of successful advertising.

    * In order to be successful, your advertising must provide a consumer benefit or solve a problem.
    * That benefit or solution must be wanted by the consumer.
    * The product or service you are offering must be tied directly to that benefit or solution.
    * The benefit or solution must be distinctly communicated through medial advertising. In other words, be clear, forget the advertising glitz and make sure the message isn’t lost in the ad.

    A small-budget advertiser doesn’t have the ”deep pockets to develop big advertising campaigns. Some time you need to break the rules to be noticed. Avis did it by admitting they were Number 2 in the car rental business and that campaign took them from 6th place to second place. When they stopped that campaign they dropped back to 6th again. In the past year they have gone back to it.

    Budget conscious advertisers must achieve top results for their advertising dollar. Expand your dollars by adopting some creative techniques.

    Here’s 25 tips I hope will help you.

    1. Radio, newspapers and magazine specialists will frequently give free help in developing an advertising strategy. Things like demographic information, money-saving ways to produce your ads etc.
  • Place your ads in off hours or in unusual locations for less. Many times you can still reach your target market with these spots.
  • Instead of a one-time big splash ad, be consistent with frequent small ads that work.
  • Monthly magazines sometimes have unsold ad space at the end of the month they will sell at a discount.
  • If you have an 800 number, put it in every ad for immediate response and feedback.
  • Try advertising consistently in the classifieds. These ads may draw more customers than more expensive display ads.
  • Can you barter for the cost of ad production? Maybe the newspaper needs painting in exchange for an ad about your paint store.
  • Piggyback advertising are the ads you receive with your Mastercard bill. Is there someone in your town that sends out a lot of bills? Can you put a small flyer in with their bills and split the postage? Or pay a small fee?
  • Split advertising costs with the people who sell to you. Vendors and manufactures are always looking for exposure. Let people know you carry their products and have the vendor pick up part of the ad cost.
  • Are there up front advertising discounts for cash?
  • Consider advertising in regional issues of national magazines. The costs are lower and you can still reach your target market. TV Guide is a good choice. It stays around for at least a week. Time, Newsweek, and US News and World Report may stay in local doctors offices for years.
  • Share ad costs with neighbor business. Video stores and Pizza parlors are natural partners. Have coupons to each others stores or share the cost of flyers.
  • Try reducing the size of your ad (not in the Yellow Pages) or length of your radio spots. A 60 second spot is not twice as much as a 30 second spot but you won’t get twice as many customers for a 60 over a 30. Going with small ads or shorter spots will allow you to do more ads which normally pulls more customers. It’s better to be there every day with small ads than every month with one big one.
  • Develop tight production controls to minimize the need to reject finished ads. The message is more important than the messenger. Don’t try to produce ads that win awards, produce ads that sell.
  • Who are your very best customers? Aim your ads to talk directly to people like them.
  • What will suppliers give you in the way of point-of-purchase materials. Posters, stand ups, handouts, etc. Some have excellent display racks you can use.
  • Some national chains like Coke and Pepsi provide outdoor signs for businesses. There are also indoor lighted signs you write on with special markers to advertise your special offers.
  • Can you sponsor a community event? A fun-run, golf tournament, or other event that will be well publicized in the community. Your name may not be prominently displayed but sometimes the positive exposure in the community will bring in new customers.
  • Small businesses can seldom afford saturation advertising. You must be selective in the media that reaches your customers. Pin your ad reps down and make them show you exactly how their media reaches your target audience.
  • Exploit the media you choose to the fullest. If your message is verbal, you don’t need TV. Use radio, billboards and newspapers to the fullest.
  • Consider direct mail. A letter and brochure before customer contact can increase business. An IBM study concluded that selling time can be reduced from 9.3 to 1.3 total hours with direct mail advertising. A Sales and Marketing Executives International Study showed salespeople went from eight orders per 100 cold calls to 38 orders per 100 when direct mail was used.
  • Try an editorial style ad. These are ads that look like actual stories in the newspaper. They will have advertisement at the top of the article. Develop a good headline, and 50% more people will read the article than would read an ad of the same size.
  • You can’t match larger competitors dollar-for-dollar but, you can use unusual approaches (like the Avis idea above), color, music, slogans, humor (be careful here), or media selection to win your market away from the big guys.
  • Due to the high costs of conventional advertising on, radio, TV, newspapers, many cost conscious business have been forced to look for lower cost methods. Can you advertise on parking meters, taxi boards, balloons, blimps, and grocery shopping carts. Community bulletin boards, movie ads, and weekly newspaper shoppers.
  • Key your ads. Put something in the ad that will let you know which media it came from. On coupons, put a code that will record the paper and date of the ad. In radio or TV, have them mention the ad to get the discount. Ask every customer how they found you.
  • Plan for a rainy day. During the year put a small amount aside each month for emergencies. You never know when you’ll need to react quickly to whatever the competition is doing. You must be able to capitalize on breaking national events or news regarding your industry. If negative things happen in your industry you may need to respond quickly to make sure the right message is presented.
  • Always give the customer more than you promised and more than they expected. This is tip number 27 of the 25 we advertised. Maybe this last one is the one you needed.
  • I hope these tips will help your business grow. Not all may be relevant to your particular situation. Hopefully, they will illustrate the importance to plan and control your advertising budget.

    Listen in on Tom’s weekly radio show Open For Business on AM 1450 KMMS Radio, Bozeman.
    Have a business question for Tom? Click here to get Tom’s advice for free.
    Stay up to date on business issues. Join Tom’s Blog.

    This article may be reproduced for your non-profit group or organization provided it is not altered in any way and the following is attached:

    Based in Bozeman, MT, Tom Egelhoff is the author of How To Market, Advertise Promote Your Business Or Service In A Small Town. and The Small Town Advertising Handbook: How To Say More And Spend Less. He is also a seminar and workshop presenter and trainer. He may be reached at 888-550-6100 or PO Box 271, Bozeman, MT 59771-0271

    Would you like Tom Egelhoff to speak at your business function or convention?
    Click here for information, topics and pricing.





    Frontpoint Security Cost, Equipment and Plans-a Value Leader? #frontpoint #equipment #cost


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    Frontpoint Security Cost, Equipment and Plans

    When considering a home security system, there are a multitude of factors to consider. This article is designed to help break down and simplify the Frontpoint Security cost and prices , Frontpoint equipment and Frontpoint Security Plans of one of the highest rated home security companies.

    How much does Frontpoint Security Cost?

    Frontpoint takes a very straight forward approach to home security. Unlike most companies who require a 36 to 60 month contract, Frontpoint gives customers the option of a 12 or 36 month agreement. Frontpoint discounts the equipment $300 for homeowners who subscribe to the monitoring for 36 months.

    The Frontpoint security prices for monitoring do not incorporate additional equipment costs-which essentially inflates the monthly monitoring bill after the equipment has been paid for. And unlike many companies, their are no addition charges for shipping or activation fees.

    The Frontpoint Security Pricing for the basic Frontpoint Equipment is just $99.00 .pre-configured and shipped right to your front door. As the system is a completely wireless, cellular DIY alarm there is no cost for installation, nor is there any need to schedule an installation date, take time off from work or have a complete stranger come to your home.

    • GE Simon XT Control Panel
    • 2 Wireless Door Sensors
    • 1 Motion Sensors
    • Battery Back Up
    • Instruction Manual
    • Yard Signs
    • Window Stickers

    The system is fully customizable and can accommodate up to 40 zones and sufficient Z-Wave compatible devices to properly secure virtually any home

    Frontpoint Security Pricing for Monitoring

    Frontpoint offers 3 different monitoring packages from $34.95 to 49.95 .

    Frontpoint Intrusion Detection

    Frontpoint offers a full line up of intrusion sensors. In addition to the standard door/window sensors, they offer recessed door contacts for the more ambitious do it yourselfer who wants to preserve the aesthetics of the entry way. These sensors are embedded into the wood frame work hiding them from view.

    Another noteworthy addition to the Frontpoint equipment line-up is the image sensor .

    Combined with the Qolsys IQ panel, this sensor combines a motion detector with a camera, which captures low resolution images when motion is detected and can even be set up to send e-mail notifications without having to subscribe to the more expensive Ultimate Monitoring plan.

    Note: Individual sensor pricing and descriptions are listed with each sensor depicted just click on the arrows .

    Environmental and Life Safety Protection

    The Frontpoint Home Security System can be expanded to provide more comprehensive protection against environmental and medical emergencies by including fully monitored and supervised items such as:

    A home security system isn t just about stopping break ins .it can be configured to provide a complete umbrella of protection over your home and family.

    Frontpoint Security Cost for Home Automation Equipment

    In today s home security marketplace, consumers are not only seeking protection they are looking to be able to harness technology to be able to provide additional comfort and convenience and manage and automate the household in one integrated system.

    Frontpoint bridges the gap between hardware and a variety of technologies on their Interactive and Ultimate plans with the Alarm.com Mobile App. This app provides a sophisticated, but user friendly platform that enables remote security and home automation management on iPhones, Android phones, iPads, Blackberry phones, Pebble, Kindle Fire, Apple Watch, and Windows based phones and web browsers.

    With the use of Z-Wave communication technology, the system can also control Kwikset and Yale door locks and GE. 2Gig. and Trane Thermostat and Energy Management systems

    For a complete list of recommended compatible home automation equipment, visit the Frontpoint site.

    Frontpoint Security Prices for Video Surveillance Cameras

    With a complete line-up of wireless video cameras, you can stream live video remotely on your smartphone, tablet or computer and record and save images and video clips with their Ultimate Monitoring service.

    New to the Frontpoint equipment portfolio is the Skybell doorbell camera that not only lets you see who is at the front door, but hear and talk to them as well right from your mobile device!

    Frontpoint security pricing for cameras start as low as $99 when on sale.

    Summary

    Frontpoint is a leader in home security for a number of reasons. In addition to providing a world class customer experience. they offer a full range of products and services to meet the security and home automation needs of even the most demanding customers.

    Their products are state-of-the art and extremely competitively priced and are backed with a solid 3 year warranty .

    The system is set up and pre-configured before it is shipped out so all you have to do is mount the sensors and call in to activate.

    But don t take my word for it. See why so many customers rave about their Frontpoint experience .

    You can try it risk free for for 30 days. If you are not completely delighted your money will be refunded-no questions asked. No activation fees No restocking fees They even take care of the shipping- both ways.

    So what have you got to lose?

    Call 844-688-2894, today!

    Frontpoint FAQs

    Is it essential to obtain an alarm permit to set up a Frontpoint alarm system ?

    Strictly speaking, you don t need a permit when the system is not professionally monitored. However, as your Frontpoint Security system must be monitored, a lot of local towns will demand a permit, So you will need to factor that into your total Frontpoint SecurityCost .

    Typically, this requires basic enrollment with your community police or sheriff’s department combined with a moderate payment. One will probably also be asked to give you the name, address and phone number of Frontpoint Security, together with the monitoring station, as the two agencies are different.

    Where ever permits are expected, most municipalities will require some sort of 1 time fee to register an individual s burglar alarm, even though cities and towns demand an annual renewal as well. These fees should be calculated into your overall Frontpoint Cost though its supplemental to the overall Frontpoint Security prices.

    Within municipalities with high criminal offense combined with false alarm rates, failure to register can result in a refusal to respond to locations which don t possess a security alarm permit…although this can be somewhat exceptional. Nonetheless, you may well be subjected to supplemental penalties if police, fire or emergency medical assistance end up being dispatched to a address without a permit located in municipalities in which one is expected.

    Even though a licence is acquired, almost all towns are going to assess penalties when it comes to numerous false alarms. The majority cities currently have plans put in place in which the first One to two dispatches usually do not demand penalties and fees. Subsequently, after that fines usually rise from $25-50 for the initial enforceable offense…to $100-200 for subsequent recurring infractions. it is important to be aware of this as frequent false alarms could exceed the Frontpoint security equipment cost.

    That is why, it s critical that Frontpoint alarm system customers phone his or her own neighborhood police department, discover what permits will be required, get a comprehensive comprehension of the neighborhood policy and make certain that they take into account the important guidelines to prevent false alarms that could add significantly to the overall Frontpoint Security cost.

    Thank you for visiting. Please feel to comment on Frontpoint Security Cost, Equipment and Plans or let us know how you feel about Frontpoint Security prices and costs .

    Frontpoint Security Cost, Equipment and Plans was last modified: May 8th, 2017 by Mike HSA

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