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

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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.


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

#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?

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


#photography business

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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

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

#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


Tags : , , , , , , , , , , , ,

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


#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

Tags : , , , , , , , , , ,

Subway Franchise Cost & Fee, Subway FDD & Franchise Information #subway #franchise #cost #&

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Subway Franchise Cost & Fees

Date of Incorporation: 1965
Franchising Since: 1974
Headquarters: Miami Springs, Florida

Business Description: The franchisor is Doctor Associates Inc. Subway Restaurants sell foot-long and other sandwiches, salads, and other food items from a retail store.

Franchise Offer: Subway offers qualified purchasers the right to establish and operate, from a single location, a retail establishment preparing and selling foot-long and specialty sandwiches, salads and other food items. Additional franchise options include: non-traditional locations, satellite locations, community development program locations, school lunch program locations, airport terminal locations, theme park locations, and national park locations. An Exclusive Area Development Program is also available.

Financial Assistance: The franchisor offers an equipment leasing program available to all franchisees in the United States (not including Puerto Rico), except those who are not in compliance with the Operations Manual. The franchisor deems the equipment lease to be a true lease and not a financing lease. The franchisor offers to finance $10,000 of the initial franchise fee under its minority loan program for qualified franchisees purchasing their first franchise at the full $15,000 franchise fee. In rare circumstances, one of the franchisor s affiliates will acquire real estate and construct a free-standing restaurant under the Pilot Construction Program. After construction, including the leasehold improvements according to the franchisor s requirements, a Subway franchisee will lease the premises. The franchisor may loan money to franchisees in connection with a Subway restaurant. The terms and purposes of these loans are negotiable. The franchisor may change or eliminate these loan programs and equipment leasing program without any prior notice to franchisees.

Training and Assistance: All individuals who sign the Franchise Agreement must attend and complete the Worldwide Training program at Subway headquarters to the franchisor s satisfaction. In order to successfully complete the Training program, franchisees must have: (i) perfect attendance; (ii) an 80% grade on all pre-requisite web-based training courses and in the in-store component of the course; (iii) an 80% average of on the in-classroom quizzes. Classroom work accounts for approximately 53 hours, and franchisees will have approximately 33 hours of on-the-job training at nearby restaurants. Franchisees will be notified when additional courses become required.

Territory: Franchisees will not receive an exclusive territory under the Franchise Agreement or any related agreements. The franchisor may grant franchisees limited exclusivity rights to a territory under its Exclusive Area Development Program.

Term of Agreement and Renewal: The length of the franchise term is 20 years, with the exception of satellite restaurants and the School Lunch program. The franchise will automatically renew for additional 20 year periods, unless either party chooses not to renew, except for satellite restaurants and the School Lunch program. The franchisor has the right to refuse renewal if franchisees are not in full compliance.

Obligations and Restrictions: Even if franchisees do not personally supervise their restaurant, they must attend and satisfactorily complete the training program. Even if franchisees choose to employ a manager to supervise their restaurant, the franchisor strongly recommends they personally devote a substantial amount of time to the franchised business. Franchisees must operate the restaurant in strict compliance with all required methods, procedures, policies, standards, and specifications of the Subway system in the Operations Manual and in other writings issued by the franchisor.

Estimated Number of Units: 44,780

Initial Investment for Traditional Locations

$50, subject to change in the future.

Half of arbitration fee, except franchisee will pay the whole fee plus costs, including lawyers’ fees, management preparation time, and travel expenses if he/she withholds money from Subway or an affiliate.

If the franchisee breaches the provisions of the Franchise Agreement regarding mandatory arbitration, or restrictions on damages or against whom he/she can arbitrate, or the proper forum for an action, the franchisee will pay Subway s expenses and the expenses of anyone named improperly, including lawyers’ fees; the franchisee will be liable for abuse of process.

Probationary Case Management Fee – $500; Probationary Extension Fee – $250; Interim Order Case Management Fee – $250; Litigation Expense Fee to permit sale of restaurant -5% of gross consideration received for sale of restaurant, not to exceed $5,000

Co-Brand Continuing Fee

0% – 8% of total gross sales of a co-brand concept.

Fees Charged by Co-Brand Franchisor

Fees and rates set by third party co-brand franchisor.

Optional Store Listing Service

$100 for each 90 day period.

Software License and Maintenance Fees – SubwayPOS

No monthly software maintenance fee if the restaurant is located in the United States. The franchisor may charge one in the future.

$35 monthly software maintenance fee if the restaurant is located in a territory of the United States.

Software License and Maintenance Fees – SubShop/2000 (Co-branded locations)

$15 menu management fee, subject to future changes. At the franchisee s option, cost to produce software update disk, plus shipping and handling, if the franchisee prefers to receive updates for SubShop/2000 by disk or other medium.

Progress DBMS (Co-branded locations only)

$47 annual fee, payable to a third party, subject to future changes

Required Payment Options

Payment Option Fees:
– Processing Fee estimated at $.0155 per transaction.
– Interchange Fee varies for each card brand and can be changed at any time. A typical average Interchange Fee is estimated at 1.65% of transaction amount and $.04 per item.
– Fixed Acquirer Network Fee. Amount determined by Visa, Inc. based upon your gross sales volume of all Visa-branded credit card purchases. Contact the credit card processor for more information.

Subway Card Fees

– Initial fee of approximately $200.
– Redemption Fee equal to 2.5% of each transaction amount that applies when Subway Card is redeemed.
– Additional Subway Card supply costs $0.10 per card.
– Subway Card envelope, POP Marketing Materials approximately $40 annually.

Subway MyWay Rewards Program

Up to 1.9%, subject to any annual adjustments, of the gross sales, for each transaction made by a Subway MyWay Rewards program member at the restaurant.

Other Technology and Digital Initiatives

Varies as the franchisor implements various new technology initiatives.

Customer Complaint Resolution Fee

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You can add items by clicking the Add to Request List button or checkbox when you find something you’re interested in.

You may add up to 15 items to your Request List

Your request list will follow you around the site.

When you are ready to complete your request for free information, click Submit in your Request List.

Why not get started by browsing our New Franchise Opportunities or Low Cost Franchise Directory ?

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To request information from your selected companies, just fill in the form and click Submit .


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Average Cost of Life Insurance (2017) #average #life #insurance #cost #per #month


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Average Cost of Life Insurance (2017)

Contents

ValuePenguin recently took an in-depth look at the average cost of life insurance across a number of different policy durations. The largest influencing factor on life insurance prices are the health of the individual being insured. Factors such as whether or not your smoke, and what your height/weight are go a long way towards determining your annual insurance premiums. Individuals that smoke can pay 3-4x the amount that healthier, non-smokers will have to pay in premiums. Of course, life insurers will look at many other factors besides health (such as your occupation and age) but factors common in pricing other insurance products, like state of residence, won’t be a contributing factor.

Average Cost of Term Life Insurance by Age

Looking at a 20 year term policy (the most popular option) worth $250,000, we’ve determined what the average annual price is for individuals between 25 and 65. One of the clear takeaways from the table: it’s expensive to smoke! Smokers on average will pay up to 200% more for their life insurance policies than non-smokers. This disparity grows with age with 25 year old smokers paying twice as much for their insurance while 65 year old smokers pay almost 3x as much.

Monthly Life Insurance Cost (Non-Smoker)

Annual Life InsuranceCost (Non-Smoker)

Average Cost of Life Insurance By Term

Below you’ll find the average cost of life insurance broken out by number of years on the policy. Unsurprisingly so, the longer the policy term the more expensive it is. Average policy costs range from $568 per year for a 10 year term policy to $1,528 for a 30 year term policy.

Term Life Insurance Policy Costs

Term life insurance rates are typically the cheapest way for an individual to purchase life insurance coverage. They’re significantly cheaper than insuring with a whole life policy and still provide some flexibility. Our charts below detail 10, 20, and 30 year term life policies so you can see the average cost of each. As you’ll see, fewer policy coverage years equate to a cheaper monthly (or annual) premium.

Life Insurance Rates: 10 Year Term

Here we breakdown 10 year term life insurance policies and show you the average annual premiums depending on your level of health and the amount of coverage you’re interested in purchasing. Ten year policies are popular for those people who are on a very tight budget as they offer some of the cheapest rates on the market, or those who won’t require insurance after their ten years of coverage expires. If you need a reminder on what each ‘Rate Class’ entails you can click here and see our description at the bottom of the page.

Life Insurance Rates: 20 Year Term

The most popular term life insurance option on the market, the 20 year term policy provides longer coverage than its shorter-term 10 year counterpart. These policies are usually recommended for young families who often have large debts and expenses, like mortgages and school loans, that would become extremely burdensome if the breadwinner of the family happened to die unexpectedly. Twenty years is typically long enough for the family to substantially pay down these debts and reduce the potential risk of someone else having to foot the bill should something happen. Take a look at the average rates by Rate Class below:

Life Insurance Rates: 30 Year Term

Looking for a longer term life insurance policy? Thirty year term policies will provide you more flexibility but come at a much higher price. However, one of the advantages to a longer policy, such as a 30 year term, is that your premiums remain unchanged even if your health changes over the time period. So if you’re underwritten as a healthy 25 year old and find yourself overweight and out of shape at 50, fear not! Your rates will have been locked in based on your physical health when you purchased the policy. You can see below how much pricier 30 year policies are than your shorter term policy options:

Life Insurance Market Size

The life insurance market has grown by around 30% over the last ten years. Interestingly, the market grew about 28% between 2003 and 2008 before shrinking after the recession in ’08-’09. Since then it’s grown steadily and just surpassed it’s 2008 market size in 2012. Check out our graph below to see how the market has fluctuated in the last decade. All numbers in billions.

*Data from the 2012 NAIC Study

Methodology

Data from this study was sourced from TIAA-CREF. Average life insurance figures were calculated by looking at four policy amounts ($100k, $250k, $500k, and $1 million) across four Rate Classes. The results were averaged to give us the number in the first table. Here’s the breakdown concerning rate classes:

Preferred Plus policies assume no tobacco use in 5 years, no serious medical issues, cholesterol levels below 210, and blood pressure that doesn’t exceed 135/85.

Preferred policies assume no tobacco use in 3 years, above average health, no serious medical issues, cholesterol levels below 250, and blood pressure that doesn’t exceed 135/85.

Select policies assume no tobacco use in 12 months, good health, blood pressure below 140/90, cholesterol below 300.

Standard policies assume tobacco use in the past year, good health, cholesterol below 300, and blood pressure readings below 140/90.

Comments and Questions


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2017 Locksmith Prices, How Much Does – A Locksmith Cost, how much does contractors

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Cost to Hire a Locksmith

Most homeowners spend between $116 to $165 nationally.

Get free estimates from local contractors who can Hire a Locksmith .

Whether you’ve just bought a new home and you want to have the locks changed for safety reasons, or you’re in need of an emergency lock repair, you’ll need the services of a professional locksmith. An experienced locksmith can replace all types of locks, help you get into your home or car if you’ve locked yourself out, create new keys for a lock, or re-key locks to fit a new key. Before hiring a locksmith or trying to handle a lock problem yourself, you’ll want to know how much the project will cost.

National Hire a Locksmith Costs

Enter your zip code to see specific costs in your area.

National

We are still gathering data for this location. Try changing location above or choose another project.

How do we get this data? This info is based on 6519 cost profiles, as reported by ImproveNet members.

Average Cost to Hire a Locksmith

The average cost to hire a locksmith is $181. The majority of people who needed the services of a professional locksmith reported paying between $143 and $199. The lowest reported cost to hire a locksmith was $59, while the highest price for locksmith services was $300. The cost to hire a locksmith will depend on several factors, including whether you’re in need of emergency service or if there are difficult circumstances like hazardous weather in the area.

Cost Considerations When Hiring a Locksmith

Most experienced locksmiths can unlock any door without needing to replace the locks. If a locksmith tells you that the locking mechanism needs to be replaced, you may want to get a second opinion if possible. Replacing locks and strike plates will add to the project cost. Some locksmiths may charge an additional fee for middle of the night or emergency service. If you’re out on the road and have locked yourself out of your car, you may have to pay an additional mileage fee. Some insurance companies and roadside assistance plans offer free or low cost locksmith services if you choose from a list of participating providers. Before hiring a locksmith on your own, you might first make a call to your insurer to check on your benefits.

DIY Locksmith Projects

If you’re thinking of replacing a lock yourself, consider the cost of tools and the hardware as well as your time. An inexperienced do-it-yourselfer may inadvertently cause damage to the door or door frame, resulting in additional expenses for the project. Hiring a professional to fix a DIY project gone wrong increases the cost.


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Bed bug prep services, bed bug concierge, bed bug clean up services, cost of

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The Bed Bug Concierge Does Your Bed Bug Prep For You Before Your Bed Bug Extermination Service

Cost of mouse exterminationFor some clients the advanced preparation needed for bed bug extermination is overwhelming. For others their time is their most precious commodity and they simply do not have time to organize their living space and personal possessions before a bed bug extermination treatment. Enter in the Bed Bug Concierge, a service that makes getting rid of bed bugs in your home or apartment easy.

Bed Bug treatment preparation services are only available for locations in New York City, the five borough of New York City, Long Island, and New Jersey.

The Bed Bug Concierge will provide bed bug extermination preparation.В A specially trained preparation crew will care for all your belongings as if they were our own. The services are discreet, all vehicles are unobtrusively marked, and the equipment is carried in to your home or building concealed plastic bags.

Here are just a few of the things that the Bed Bug Concierge can do for you:

  • They use crates and dollies along with bubble wrap to protect your fragile belongings.

Home or Apartment Preparation

Cost of mouse exterminationOnce you have selected the items that the Bed Bug Concierge team is to prepare, items are encapsulated utilizing heavy duty clear plastic. These prepared plastic bags will remain on your property sealed until after the second application of bed bug insecticides.В

Handling of Single Family Homes, Hotels, Multi- Family Units, or Apartment Complexes

Bed Bug Concierge services are appropriate for the home owner, busy professional, property manager, hotelier, or dormitory manager. When you have bed bugs, you need the top bed bug extermination firm in New Jersey and New York City. You need Stern Environmental Group! We are the bed bug experts and now offer special Bed Bug Concierge services. Contact us for more information today.

Cost of mouse extermination


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California Long-Term Disability Insurance #long #term #disability #insurance #cost


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California Long-Term Disability Insurance

Disability insurance can be a safety net for employees in California. When employees have non-work-related accidents that prevent them from working or earning a living, their earned income is protected. Disability insurance benefits include paid sick leave, short-term disability benefits, and long-term disability benefits.

Given the high number of Americans living with disabilities, getting disability insurance is a smart move for people who support themselves and their families through their jobs. Long-term disability (LTD) insurance in particular is extremely beneficial for employees who might experience a serious illness or injury. While California does have a short-term disability program that pays up to 55% of your wages for up to a year, California does not have a long-term disability program. Social Security disability and SSI disability, which are notoriously hard to qualify for, are the only other options for long-term disability benefits in California.

Long-term disabilities can continue anywhere from five years to the remainder of an individual s life. However, only 30% of American workers in private industry currently have access to employer-sponsored long-term disability insurance coverage through their employers.

Typical group long-term disability (LTD) benefits start when sick leave and short-term disability benefits are exhausted, and it replaces about 60% of one’s pay. In contrast, Social Security disability benefits are based on lifetime earnings, and the average monthly payment in 2013 is $1,100 per month (up to a maximum of $2,500 per month). SSI pays even less; the federal monthly payment for 2017 is $735 per month if you have no other income, plus California pays a small state supplementary payment to most SSI recipients.

Here are some important facts to understand if you are looking to insure and protect yourself against disability.

  • How to get LTD. Long-term disability insurance can be obtained either by a group or individually. Group coverage can be offered through an employer, professional group, or association.
  • Eligibility. For employees whose companies offer long-term disability coverage, the individual must work for a specified period of time known as a service wait. For professional or association-affiliated LTD coverage, the individual must be a member of the group for a set period of time.
  • Price of LTD. For individual LTD coverage, you will be responsible for the entire cost of insurance. In group LTD coverage, your employer may pay the full cost but you may have to pay percentage of the cost or a set premium.
  • Coverage. Long-term disability coverage can last from one year to the age of retirement usually 65. However, some plans differ; consult the summary plan description to verify the number of years covered by the insurance policy.
  • Medical costs. The LTD policy covers only wage replacement, not health coverage.
  • Pre-existing conditions. A pre-existing condition is any medical condition for which medical care was received three to six months prior to the coverage effective date. LTD plans may have a pre-existing conditions exclusionary period. During this period of time, an individual’s prior medical condition(s) will not be covered by the policy.
  • Partial benefits. Employees whose hours are reduced because of a disability may be eligible to receive partial benefits.
  • Other benefits. Getting LTD benefits does not preclude an employee from applying for other benefits program such as California’s State Disability Insurance (SDI) or Social Security Disability Insurance (SSDI). However, your LTD benefits are usually reduced by the monthly amount you receive in SDI or SSDI. Workers’ comp benefits are also “offset.”

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