Month: July 2017
Loan Basics Personal and Installment Loans
Personal and Installment Loans
We all need a little extra money from time to time. You might find yourself facing unexpected medical bills, or maybe you wish to consolidate several of your outstanding debts into one loan (and one loan payment).
If you need extra funds to cover an important expense like this in the short term and if you have good credit you may want to consider getting a personal loan or opening a personal line of credit .
As with any other kind of loan, consider:
- How the purchase fits with your financial priorities and goals
- Whether or not the purchase could be postponed while you continue saving
- Whether the monthly payments will be affordable
Personal lines of credit
A personal line of credit can give you fast access to a set amount of money (usually limited to $5,000 or $10,000) which you can borrow and pay back as needed. As you repay the funds you borrowed, you can then borrow them again and again from your line of credit without having to apply for new loans every time.
You are only charged interest on the amount of money you have borrowed from your line of credit, not on the money left in it. It s important to note that personal lines of credit often have high interest rates and, as with personal loans, banks are more likely to approve borrowers with very good credit and proven earnings.
If you get a personal line of credit, you can usually access the funds via check, an ATM card, and Internet transfers to other bank accounts. Remember that interest starts accumulating as soon as you withdraw the money.
Many banks and credit card companies offer personal loans and lines of credit, so it pays to shop around and compare interest rates and terms.
One of the most common uses for a personal loan is to consolidate other debts into a single loan. For someone who is feeling overwhelmed with several high-interest loan payments every month, it can be a huge relief to combine them all into one monthly payment. And, consolidating your debt could help you save interest and get out of debt faster.
If you are thinking about consolidating your debts into a personal loan, shop carefully to find the lowest interest rate available. Interest rates on personal loans can vary, and typically range anywhere from 6 percent to 25 percent depending on your credit history. It doesn t necessarily pay to consolidate your debts if the new loan has a much higher interest rate than you are already paying.
A debt consolidation calculator can help you figure out whether it makes sense to pool all of your debts into one loan.
What is Benign Mesothelioma?
While the majority of mesothelioma diagnoses are malignant, meaning cancerous, it is possible for benign tumors to form in the mesothelium. Unlike malignant mesothelioma, these benign tumors are typically removed through surgery and do not require additional treatments. Benign tumors are not capable of metastasizing or spreading to other organ systems. However, it is important for patients to recognize the distinction, as malignant mesothelioma is a very serious, rapidly progressing cancer with a 4- to 18-month survival rate following diagnosis.
Types of Benign Mesothelioma
The American Cancer Society lists three different types of benign mesothelioma which, like malignant mesothelioma, are differentiated by their location.
- Adenomatoid tumor—this benign tumor develops in the mesothelium of certain reproductive organs. In men, it often starts in the epididymis, which is a collection of ducts that carry sperm cells out of the testicle. In women, this tumor is likely to begin in the fallopian tubes.
- Benign cystic mesothelioma—this tumor usually begins in the mesothelium near female reproductive organs.
- Solitary fibrous tumor of the pleura—originally called benign fibrous mesothelioma; doctors have since discovered that this tumor starts from tissue located underneath the mesothelium cells themselves. While typically benign, the American Cancer Society notes that one in 10 cases can be cancerous.
As is the case with malignant mesothelioma, the benign variation is more likely to affect men than women. The fact that the tumor is noncancerous does not mean the patient is without symptoms or discomfort. If the tumor is able to grow before being removed, it can push on the lung or other organ, causing symptoms such as shortness of breath, chest pain, and chronic cough. Most people with benign mesothelioma are diagnosed via an imaging scan that was conducted for other reasons.
FREE Information Packet
Michigan Auto law attorneys Steve Gursten and Bobby Raitt are Top 100 Super Lawyers
Michigan Auto law attorneys Steve Gursten and Bobby Raitt are Top 100 Super Lawyers
Steven Gursten and Robert Raitt have been named among the Top 100 Lawyers in Michigan by Super Lawyers, out of more than 60,000 Michigan lawyers.
The award was given to the 100 attorneys with the highest point totals in the state, according to peer voting and reviews by Super Lawyers. The Top 100 includes lawyers from all areas of practice, not just personal injury and automobile accident litigation.
We’ve been on a lot of best lawyers lists, and while they are nice, we believe they’re a reflection of the way we treat our clients. If you treat the people you re entrusted with helping with compassion, care and constant communication, then the results – including the verdicts and settlements – will also come. And then so will nice awards like this one.
Super Lawyers, a Thomson Reuters publication, is a listing of outstanding lawyers in Michigan. The organization employs a selection process that combines peer nominations and evaluations with third-party research. Each Super Lawyers candidate is evaluated on 12 points of peer recognition, professional achievement and legal excellence.
The Legal Examiner Detroit is brought to you by Michigan Auto Law
Can a Chiropractor Help Me Get Social Security Disability for Back Pain? #can #a
Can a Chiropractor Help Me Get Social Security Disability for Back Pain?
I have a quick question about disability for back pain. Does it matter if one goes to a chiropractor for tests and diagnosis in comparison to a regular doctor? What’s better?
I wish I had a quick answer, but I don t. (I m assuming your question has to do only with what s more likely to get you approved for disability benefits, not whether you ll get better treatment from a chiropractor or doctor.)
Acceptable medical sources. Disability claims examiners and judges who work for Social Security will only consider opinions from acceptable medical sources when deciding whether a disability applicant has a “medically determinable impairment.” This generally means that a diagnosis must be from a doctor (M.D.) or osteopath (D.O.) with a medical degree. (Social Security must also accept records from licensed psychologists, but only for disability claims related to intellectual or learning disabilities. In all other cases involving mental impairments, only a psychiatrist is an acceptable medical source.) In short, Social Security requires that a medical doctor diagnose and evaluate your impairments before you can get disability benefits.
Consultative exam. As a result, if the only medical records you have in relation to your back pain are from a chiropractor s office, you will likely be sent to a consultative exam with a doctor paid for by Social Security. Such an assessment is not likely to help your claim, as a doctor who only sees you once for a few minutes isn t going to understand your limitations as well as a heath care provider who has seen you over a long period of time.
Chiropractor’sopinion. That said, Social Security should take a chiropractor s records into account when looking at the severity of your back pain and how it limits your abilities. While a claims examiner or judge doesn t have to rely on a chiropractor s diagnosis and prognosis in determining whether you have a serious medical condition (since chiropractors aren’t acceptable sources), if you have a long treating relationship with your chiropractor, the examiner or judge should evaluate a chiropractor s records for information on the severity of your limitations (as long as the records are supported by medical evidence and not inconsistent with other information in your medical records).
Exceptions to the rule. Are there exceptions to the acceptable medical source rule? Yes, there have been federal court rulings on whether chiropractors can be considered acceptable medical sources. Some federal courts have said that the opinion of a chiropractor who regularly treats a patient should be given the same weight as a medical doctor. Social Security has not changed its rule, however, that says that a chiropractor is not an acceptable medical source, so while you could end up winning your case in federal court after several appeals, it s a much better idea to get an M.D. s opinion from the get-go.
Get a doctor’s opinion. Getting a medical doctor s detailed opinion about your diagnosis, prognosis, and how your medical condition limits your abilities and activities is the most important thing you can do to win your disability case, since Social Security will often give substantial weight to the opinion of your treating doctor unless it’s not supported by objective medical evidence or is inconsistent with other evidence in your file.
Get the compensation you deserve.
Web Development Certification: What s It Worth?
Connect with Brad Zomick
Brad is SkilledUp’s Chief Content Officer. He has a diverse background that ranges from technology project management and market entry consulting in China to Search Engine Optimization and Content Marketing. Brad loves to learn and write and has a BA in Marketing from Cornell University as well as an MBA specializing in the China market from University of Hawaii and Sun Yat-Sen University in Guangzhou, China. He lived and worked in China for three years and speaks Mandarin Chinese.
Online training courses offering professional certification have proliferated in number over the past decade. Information Technology occupations such as programming and Web development, where entry-level salaries now exceed $50K/year and the industry average is $85K, have seen an explosion in certification options. However, Dan Picket, founder of Launch Academy 1 says, Software development is quickly becoming a meritocracy based on what you produce. Shipping real software that is effectively developed is what establishes credibility. For many, this is a welcomed change in the market, where results and capabilities speak louder than credentials. So, while some certifications might provide useful professional content, employers seem to place little value on web development certifications. To validate Dan s comments, we decided to check out a few out and see what (if anything) they offer to prospective students.
Brainbench provides no learning content and just focuses on testing.
Brainbench focuses on a wide range of professional testing in areas and skills generally related to professional IT and web development certifications. At Brainbench, certification can be achieved with good test scores alone. No class curriculum is offered to provide a basis for learning or using coding and web development skills in the workplace. You access tests from over 800 IT-job/skill categories; certification is awarded for achieving a minimum score. There are no other requirements, and you will not learn to write code by answering test questions. Brainbench s tests-only approach will perhaps teach you what to say to get the job, but offers little of value in helping you keep the job when you re asked to produce.
Subscription: $99.00/1st 3 months, $33.00/month after 3 months; $199.00/year; Complete Job Role Certifications: $499.00. Single tests cost $49.99, but a student must pass several before the certification process in implemented.
Self-paced, emphasizing student convenience, without focusing on providing real training; proceed at your own pace, but learn what?
Online interactive platform. Customized online transcripts offered according to subject matter and test scores.
While some in the IT industry give credence to Brainbench, many regard BB-certs a poor substitute for better IT training and more hands-on experience writing code, etc.
CIW does not even introduce their instructors qualifications.
Self-paced, between 8-13 lessons, averaging about an hour each, lasting 8-12 weeks.
Overall CIW certification requires passing the 3 individual qualifications of Internet Business Associate, Site Development Associate and Network Technology Associate, not mentioned in course literature.
At HFI, it seems you will actually learn something, hence the high price tag.
Human Factors International (HFI) offers certification track training for its basic Certified Usability Analyst (CUA) program. With good reason, HFI web development certifications are easily the most expensive for students. HFI offers access to teachers before registration, and generally positive testimonials from former students who have achieved success in the IT industry after certification. Course modules are short and intensive. This is the most reliable of the programs reviewed here; students will receive some rudimentary background writing code, although the short course length provides little time to acquire and practice these skills.
Prepaid, $5,720.00 for certification track package; $1,450-1,725.00/course otherwise. Exams are $250.00 for certified students; $800.00 otherwise.
How to Create a Facebook Business Page in 5 Simple Steps Tutorial #order #business
How to Create a Facebook Business Page in 5 Simple Steps [Tutorial]
It’s no longer a “good idea” for most businesses to be on Facebook. With 829 million people actively using Facebook every day, it’s become a go-to component of almost any inbound marketing strategy.
Thing is, as more and more Facebook features change, so does the process of setting up a Page.
Don’t waste another day poking around aimlessly on Facebook, trying to figure out what the heck to do to get your Facebook Page up and running like a social networking pro.
The following presentation provides a visual tutorial to help you get your Page up in no time (you can also read the transcription below). Over 600,000 have found this tutorial helpful, hopefully it proves beneficial for you or a marketer you know, too.
How To Create a Facebook Business Page
Step 1: Choose a Classification.
To begin, navigate to https://www.facebook.com/pages/create.php . This page will showcase six different classifications to choose from:
- Local Business or Place
- Company, Organization, or Institution
- Brand or Product
- Artist, Band, or Public Figure
- Cause or Community
Each of these classifications provides more relevant fields for your desired Page.
For this tutorial, we’ll select the second option: company, organization, or institution. After selecting our desired classification, we’ll be asked for an official name for our Business Page. I recommend carefully selecting your name. Although Facebook allows you to change your name and URL once. it’s a difficult and tedious process.
Step 2: Complete Basic Information.
Facebook should automatically walk you through the following four basic sections to complete the fundamental aspects of your Page.
Finish “About” Section
The “about” section will serve as the main 2-3 sentence description for your company. It will be on your main page, so make it descriptive but succinct. Be sure to include a link to your company website as well. Also ensure that this information differentiates your brand, making your page even more appealing to potential followers.
This is also where you can select your unique domain (that, as mentioned above, can only be changed once). For example, the Sidekick by HubSpot Facebook Page employs the URL facebook.com/getsidekick.
Upload Profile Picture
Next you’ll be asked to upload a picture. This will serve as the main visual icon of your page, appearing in search results and alongside any comments you publish. While any perfectly square image will work, the recommended size is 180 x 180 pixels.
Add to Favorites
Every individual Facebook user has a vertical navigation bar to the left of their News Feed. You can add your Business Page as a “Favorite” item here — similar to bookmarking a web page in your web browser — for easy access.
Reach More People
Facebook will prompt you to create an advertisement to draw attention to your Page. Whether employing paid tactics is a part of your strategy or not, I recommend avoiding starting any ads at this stage — there’s no compelling content on the Page yet that would convince them to ultimately “Like” your page.
Step 3: Understand the Admin Panel.
The basic skeleton of your Business Page is now live. Facebook will ask if you’d like to “Like” your Page. Again, I recommend avoid doing so at the moment. This activity will appear in News Feeds of those you’re connected to personally to on Facebook. Without any content on the Page, we want to save that organic Timeline story for when you’re really ready for people to view the Page.
In the top navigation, you’ll see an option for “Settings.” Click that. Along the left side, a vertical navigation bar with different sections should appear. We’ll focus on three core ones now:
- Page Info: This is where you can add additional details about your business. This section will also unveil different fields based on the classification you chose in Step 1.
- Notifications. This section allows you to customize when and how you’d like to receive Page alerts. Set a frequency that fits your social media marketing schedule.
- Page Roles. Whether or not you’ll be the main manager of the Page, there may be others at your organization who need access to your Facebook Page. Here, you can invite other colleagues to make changes to your Pages. Some common use cases here include:
- A public relations manager who needs to respond to any delicate questions.
- A support representative who can assist those asking technical questions.
- A designer tasked with uploading new photo creative to the Page.
Step 4: Populate Page With Content.
Now it’s time to actually publish content to your Page and then invite users to be a part of your growing community. Let’s start with the basic content needed to get your Page kicking.
The rest of your Page will populate over time as you publish more updates. Facebook currently provides six different posting options:
- Plain text status
- Photo with caption
- Link with caption
- Video with caption
- Event page
- Location check-in
When posting on your page, just be sure to use a variety of content. What images would your audience like to see? What stats would they like to read? What links would they like to click? You can also click the little grey arrow in the top-right corner of each post and then click “Pin to Top” to move one of your posts to the top of your Page’s Timeline for seven days. Use this feature for product announcements, business anniversaries, and other major events pertinent to your brand.
If you want to dive deeper into Facebook posting best practices, check out this blog post.
This is the large, horizontal image that spans the top of your Facebook Page. Typically, this is a branded image to help attract people to your Page. The official photo dimensions are 851 x 315 pixels. To help you create these cover photos, we have free PowerPoint templates here pre-sized for the right dimensions.
Now that there’s content on the Page, we can start strategically inviting users to Like it. I recommend inviting users in the following cadence:
- First, invite colleagues to Like your page and its content to build some initial activity.
- Second, invite supporters in your network. Encourage them to engage.
- Third, invite customers. With some activity now on the Page, they’ll be more interested.
With content published and users invited, you can go to the “Activity” tab in your Page’s top navigation to monitor how people are engaging with your Page and content.
Step 5: Measure Your Growth.
Finally, we need to measure our efforts to ensure we’re making valuable marketing decisions on Facebook. Fortunately, Facebook has embedded in some decently helpful metrics for us to take advantage of. Simply click the “Insights” option in the top navigation to see the following:
- Overview. This tab shows a 7-day snapshot of your metrics such as Page Likes, post reach, and overall engagement.
- Likes. This tab shows your overall fan growth and losses. If you’re employing paid efforts, you’ll be able to see the breakdown of paid versus organic growth.
- Reach. This tab highlights the raw number of people your Page is reaching every day. If you notice spikes on a specific day, try cross-checking what you posted that day to see if you can replicate that reach.
- Visits. This tab indicates where on Facebook your viewers are coming from. You can see the difference in visits on Facebook Timelines, your information tab, reviews, and others.
And if you really want to spend time perfecting your Facebook content strategy, watch this brief tutorial on how to analyze exactly that .
And voila! You have a Facebook business page. Now go post interesting content and amass a loyal base of fans!
Want to see how HubSpot uses Facebook? Like our Facebook Page here .
Editor’s note: This post was originally published in 2010, and it’s since been completely updated for accuracy and comprehensiveness.
- A public relations manager who needs to respond to any delicate questions.
- A support representative who can assist those asking technical questions.
- A designer tasked with uploading new photo creative to the Page.
#small business ideas for women
Small Business Ideas for Women at Home: Working with Realities
Small business ideas for women at home are driven by two realities.
The first reality is the constraint of obligations at home. Whether by the choice or duty to care for others (e.g. children), most women staying at home do not have very flexible work availability when it comes to time and location.
This does not even necessarily mean these women need to work less hard and fewer hours; they just need to do it on their own time and at their own location, said Eva Rosenberg, owner of www.irsexams.com and www.taxmama.com .
Most small businesses started by these women, therefore, are Internet-based, which affords them the flexibility in time and location.
One route women at home can take is starting Web sites or blogs and monetizing the incoming Web traffic through online advertising (e.g. Google AdSense) and affiliate marketing.
Another route is to set up Web sites to sell their own products or services.
To get started and achieve success, Rosenberg suggested attending reputable conferences and reading helpful guides. One trusted resource for online entrepreneurs is Ken Evoy’s www.SiteSell.com. which still offers this helpful free eBook. said Rosenberg.
The second reality is that women at home often have more to offer than some of them may think.
Many of these women have hobbies and expertise that can translate into successful small businesses. By staying at home, they may also be extremely familiar with the needs of running a household.
Moreover, many women find success by building on top of their husbands’ existing careers.
Jacqueline Freeman, for example, set up www.equinenaturalmovement.com to market her husband’s horse training expertise, according to Rosenberg.
Rosenberg started www.TaxMama.com to dispense tax advice and www.irsexams.com to teach courses on passing the Enrolled Agent (EA) IRS Exams.
Shari Fitzpatrick. with “only a $1,500 cash advance and a passion for chocolate-dipped strawberries,” managed to build her home-based small business into a multi-million dollar empire. (Today, her brick and mortar operations have shut down but one of her online operations, which she sold to Provide Commerce, still exists).
“They key is to follow their passions,” said Rosenberg.
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How to Make a Facebook Page for Your Small Business
If you own a small business, having a Facebook page lets you reach individuals among the 750 million or so users worldwide who are most likely to be interested in your company. Your interaction on the social network gives customers the sense that they know you and your business. which can increase loyalty and make them more likely to recommend your services.
On Facebook you can easily add features that are harder to implement on your website. You can build a custom page, run contests and promotions, and manage a small e-commerce shop. Plus, Facebook is free. Even if you pay for custom applications or a developer’s services, it remains a form of advertising with a small price tag.
The potential reach of a Facebook page is huge, as half of its users log in every day. Facebook studies show that people interact with their favorite brands on Facebook more than on any other social network, are more likely to recommend a brand after becoming a fan of it on Facebook, and are more likely to purchase a product after becoming a fan. In addition, anyone outside Facebook can view your Facebook page because search engines index it.
Establishing Your Profile and Page Admins
Before creating your Facebook fan page, you must establish a personal Facebook profile. The individual in that profile is the creator of the fan page. As a result, the subsequent Facebook business page doesn’t have a separate login from that of the individual user who created it.
Many people are nervous about mixing their personal information with their business information, but the two are conceptually separate. You’ll interact with the business page as the business, and on your personal profile as yourself. Only administrators and the owner of the page can see other page admins. Thus, when I interact on my Facebook page, (Anti) Social Development. I post as that company and not as Kim Woodbridge. People who interact with my company page don’t see my personal profile.
If you aren’t going to be the only person working on your business’s Facebook page, you’ll need to select admins. To do this, fill in the appropriate data in the ‘Edit Page’ section under ‘Manage Admins’. The admins either must be Facebook friends of yours, or must be identified by the email address they use for Facebook.
The admins you designate won’t need your login to access the page, and once they log in as admins, they’ll have access to page-editing features. For example, I’m an admin on a number of business pages and can access all of them by logging into Facebook, so I don’t need anyone else’s login data.
Be careful, however, to add only people you trust as admins. Any admin can remove any other admin, even the owner of the page–a structural flaw that Facebook needs to address. If you add a developer or other person to work on your page temporarily, I recommend removing that person from admin status as soon as the job is done.
Facebook does offer what it calls a business account, but this option is very limited and I don’t recommend it. A business account doesn’t allow you to install Facebook apps, so you can’t add a custom page made with iframes or third-party tools, as discussed throughout this article. For that reason, I don’t recommend using a business account.
Creating a Facebook Page
From your Facebook profile page, click the Pages header in the left-side navigation. Next, click the Create a Page button, and select the type of page–Local Business or Place. for example, or Brand or Product. You’ll see a number of fields to fill out, such as your business category, name, and address.
One of the early steps of creating a business page on Facebook is to choose your business type.
Next, click the Get Started button, and Facebook will guide you through the rest of the setup process, step by step. If you skip any of those steps, you can fill them out later on a new page in the Facebook Welcome section, which only page admins will see.
Information to Include
When Facebook walks you through the initial steps, it will request information about your business–a logo for the page avatar, details for the About section, contact information and hours, and the URL of your website.
If you want Facebook to pull in your blog posts automatically, an application such as Networked Blogs can help. Each time you publish a new post to your blog, Networked Blogs will import the post and add it to the Wall of your Facebook business page.
Among the Facebook applications that come with your page by default are Photos, Links, Events, Notes, and Video. You can’t remove the default applications, but you can set them not to appear in the left-side page navigation.
After completing the first steps, you’ll want to customize the public appearance of your Facebook page with a design appropriate for your business.
Next page: Should you build your own custom page, or hire a pro?
Small Business Social Media Survival Guide
How to Make a Facebook Page for Your.
#free business listings
THE PLACE YOU CAN TRUST TO FIND THE SERVICE YOU NEED
Verify Your Own Business!
Participation in local Australian business directories like OzBusiness.com.au helps users and advertisers find each other. Advertisers can increase their business visibility online. Our users can find near by businesses servicing their particular location. We carefully check all new business listings for accurate description of services or products they provide.
About OzBusiness Directory
OzBusiness.com.au was developed to help Australians get fast and accurate results, when they search for local businesses or organisations. We verify all businesses submitted to our directory for accurate description of service and products they provide. We accept only Australian based businesses in our directory with no exception provided.
Get More Out Of It
For advertisers: As you might already know online world is constantly changing, new practices and techniques are being developed every day. We want you to stay on top. In your private account section you will find great marketing tips that will help you achieve better results. Visit it on regular basis and you won’t miss a thing.
Copyright 2016 – http://www.ozbusiness.com.au
Start Your Own ATM Business
Work for yourself – without having to work by yourself
- ATM Resources: Expert help and training
- Preferred Buyers Club: Get access to exclusive features and discounts that can save you thousands
- ATM Site-Location Service: We find sites for you
- Personal Account Manager
The ATM business works.
You buy ATMs and place them in retail locations such as gas stations, bars and nightclubs. You keep cash loaded in the machines, and every time a customer uses the ATM you collect the transaction fee, known as a “surcharge.” The average surcharge fee is around $2.50 nationally, but businesses like nightclubs and other high-end locations can range anywhere from $3 to even $10 per transaction.
We work for you.
The key to a successful ATM business is finding good locations. That’s why ATM Network will assign an account manager to work with you. We can assist you in what to look for in finding a good site. When you find a site, we can call them on your behalf and estimate the potential success of the locations.
In addition to contacting and qualifying locations, your account manager will communicate with business owners and negotiate to get you the most favorable terms possible.
Maximize your ATM profit with ATM Network.
We’re one of the largest and oldest independent ATM companies in the country, with a well-deserved reputation for service and honesty. Discover the ATM Network difference:
- An A+ rating from the Better Business Bureau, and endorsements from our customers.
- A full service and parts department, with technicians available 24 hours a day.
- All sorts of extras. Promote your business with custom ad screens or graphics. Add flexibility with a wireless connection. Whatever you want to do, we can help.