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Are You Wondering If Health Insurance Would Have Helped?

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Mar 162021
 

The best thing in America is free health care. Health insurance is an option that could provide you this. Given the way health care costs have risen; many families have gone bankrupt paying the bills for a sick person in the family. Some are fortunate to have medical insurance cover either by the employer or have cover by parents or relatives medical insurance policies others are not so fortunate.

Well what do you want to choose; a health insurance policy that sounds like a bad investment or paying all of the bills yourself. A quick look at a health insurance policy seems like an unaffordable luxury unless some one land up sick and you have to foot all the bills. Medical bills can go way beyond the monthly premiums you pay. Looking at the big picture and planning with that in mind is not a bad investment. If you were to be injured in a car accident, insurance can come quite handy for the bills and even for the dent in the savings you face when you have to take leave.

Thinking that doctor’s bills are measly when compared to the premium will take you no where. Being prepared for the large expenditure means; taking the right health insurance policy.
• A low copay or deductible would result in higher premiums. This would also mean that your insurance pays every time the bill exceeds the copay amount.
• A higher copay or deductible would result in lower premiums. Just look at the maximum amount you would have to pay. If that is ok then this policy is and ideal choice and would mean that unless the bill is large the insurance would be paying for it.

If you have very little money then get an affordable plan so that you would have to pay little money for the coverage. You would have to pay for your routine visits to the doctor. This is a lot easier than having to bear a hefty bill of the medical care costs. The plus points of going for regular routine check ups will avoid you going for a sudden expensive treatment. You are regularly examined and thus you can avert any major health happening and stay fit and healthy.

Are there other options?
If you are savvy enough with your money you could save money and get tax deductions. Health savings account or HAS allows you to put back monthly a small amount into a dedicated bank account for health services. To avail this plan you must be covered by a High Deductible Health Plan (HDHP). The money you save on the premiums (in case you take another plan) could be put into the health saving account (tax free) and you could also get the High Deductible health plan as insurance against unforeseen eventualities. This money saved is thus combined with an insurance plan to maximize benefits.

Travel insurance and Group Health Insurance are options that you can choose because this is the most likely scenarios when accidents happen. When you travel or when a group is going on vacation or camps. This is in case your cover by medical insurance is too less.

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Believe in Phentermine with Confidence

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Mar 152021
 

Obesity has become a household word. It has become a type of epidemic engulfing the whole world in an epic proportion. It would have been no problem if the outcome wouldn’t have been fatal. Heart problems, diabetes, high blood pressure are few problems that an obsessed person is easily prone to. Besides, obesity tires you out easily resulting in hampering your daily routine. So it is always wise to check on your increase volume of you body and find the root cause of it.

However dieting and exercising is not a bad idea for burning the excess fat inside our body. But one cannot deny the fact that maintaining a diet routine is not a tedious affair. So it is always advisable to go for a proper medication along with your regular diet and jogging. So if somehow you skip your routine, it doesn’t hamper much. One such medicine that is gripping the market is Phentermine a unique diet pill. Its result is found to be very fruitful and its users are happy about the outcome.

Phentermine is a drug use as an appetite suppressant and is very effective in maintaining a healthy fat free life. The effectiveness of Phentermine has been intensively studied by various international dieticians as well as researchers. FDA approved it way back in 1959 and from then onwards it is fighting fats with proven results.

But Phentermine diet pills are very effective and can be very productive if it goes along with a bit of dieting and exercise. Noting can be negative if one is taking it in a proper way and with the guidance of a genuine doctor or dietician. Mild side effects like dry mouth, constipation, dizziness or headache can be seen initially but as our body get used to it, these problems fades away.

Phentermine stimulates our hypothalamus gland in our brain and activates our neurotransmitters in present in our nerve cells. This results in suppressing our appetite and manages our metabolism as well.

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Is your marketing effort working?

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Mar 142021
 

For a marketing plan to succeed, your marketing material needs to appeal to your potential buyer and capture his attention straight away.


If you fail to attract his attention, you could be driving away potential customers who could benefit by buying your products or services.


Before you start creating your marketing materials, you need to know what turns potential customers off as well as knowing how to create a message which will turn them into buyers.


Whether it be your brochure, a flyer, your newsletter, or even your web site, people do not want to read about you and how clever you are. What they want to know is what you can do for them to make their life easier. So forget about self-promotion and focus on what is important to your potential customer.


Power words to use in your copy include new and free, how-to, now, announcing, introducing, powerful, bargain and hurry. Although they may seem old and over-used, they still work.


Action words such as live, move, play etc also appeal and get people excited enough to want to buy what you are offering.


Some words are better than others at grabbing attention and they include learn which suggests knowledge, discover which suggests excitement, savings because everyone wants to save money and time and proven which creates peace of mind.


If your message is totally ‘hard sell,’ you will put off your prospective buyer. Focus on providing value for money and always deliver what you offer or even more.


Look for a new or fresh idea about your product or service so your message is not exactly the same as what you have promoted before.


Ensure your message appeals to a person’s emotions so you focus on what your product or service can do to improve the quality of life of the potential buyer. So a copywriter should not focus on the brilliant copy he can create, but on how much more money and free time his client will have by using him to write his marketing materials.


Your customers want to know that you can be trusted to deliver as promised so give them a brief idea of who you are and what it is that makes your product or service better than any other.


People will buy if they think the cost of the item is worth the money. If you charge more for small extras, you will send buyers away but if you over deliver by adding extra value, people will usually respond accordingly.


If you portray the image of knowing what you are about, you instill confidence in people and they will respond by buying from you. Your image should come through in all of your marketing materials and by doing so you will be seen as someone who is honest and confident and who can be trusted.


At Martin Print, these methods together with innovative and creative ideas are used to help clients improve sales results using print campaigns.

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Australian Copyright and the Copywriter

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Mar 132021
 

THE terms copyright and copywriter are often confused and I have had several requests from people asking me to explain how they can take out a copyright on their work. I then have to tell them that as a copywriter, I write all kinds of promotional material, among other things, and have nothing to do with copyright.


So, what is copyright?


It is a type of legal protection for people who express ideas and information in areas such as writing, visual images, music and moving images. It is not the ideas but their expression that are protected by copyright law. This means that the person who originates the work, unless employed to do so by another party such as a journalist on a newspaper, retains the sole rights to that work and no other person can use it without the originator’s permission.


Copyright is intended to protect creative works from being used without the agreement of the owner and to provide an incentive for creators to continue to create new material. Copyright law is contained in the Copyright Act 1968 (the Act), and in court decisions that have interpreted the provisions of the Act. The Act is amended from time to time to keep the law up to date. The law gives owners of copyright exclusive rights to do certain things with their material.


Copyright can be traded just like any other type of property such as real estate. But it is different to tangible property because it can be copied or otherwise used easily without the owner knowing.


There is no system of registration for copyright protection in Australia. Works do not have to be published to put a copyright notice on them, protection is free and automatic. There are no forms to fill in and no fees. A work is protected automatically from the time it is first written or recorded provided it is a result of its originator’s skill and effort and is not copied from another work. So, when a poem is written or a song recorded they are both protected.


Australian copyright works are protected in most countries and copyright works from most countries are protected in Australia. There is no need to put a copyright notice on any work for it to be protected in Australia but it can be included to remind people that it is protected by copyright.


The length of protection varies with the type of material but in most cases, copyright lasts from when it is created to the end of the life of the creator plus 70 years. After that, the material enters the ‘public domain’ where it can be freely used without permission.


Copyright owners may assign or license their rights to others but assignment of copyright and licences can include limitations on the type of use that can be made of the work, the period of time for which a licence applies and requirements for payment. Under the Copyright Act 1968, reproducing copyright material without the copyright owner’s permission will usually be an infringement of copyright. Copyright holders can directly negotiate an agreement that will allow their material to be used.


What does copyright protect?


Copyright protects:


* journal articles, novels, screenplays, poems, song lyrics and reports;


* computer programs


* anthologies, directories and databases


* paintings, drawings, cartoons, sculpture, craft work, architectural plans, buildings, photographs, maps and plans;


* choreography, screenplays, plays and mime pieces;


* musical works: the music itself not the lyrics or recording;


* cinematograph films;


* sound recordings;


* broadcasts;


Literary, dramatic, musical or artistic work will be protected by copyright if it is ‘original.’ Original meaning that the work has not been copied from something else.


What is not protected?


Copyright does not protect ideas, concepts, styles, techniques or information. As an example, a written outline of an idea for a play or novel will be protected by copyright but someone else could write their own play or novel based on those ideas, without necessarily breaching the copyright. The other person would only breach the copyright if they copied enough of the way the plot had been structured or if they copied enough of the dialogue.

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Accident Claims 101

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Mar 122021
 

For those who are suffering from injuries caused by no fault of their own, whether it’s from an automobile accident, work related injury, or by the actions of a negligent party, they deserve compensation for their affliction. The injured party has rights to compensation that are to be paid by those who were found to be at-fault. You will probably need a good accident claim specialist to guide you through this meticulous process.

First things first, you need to know what to look for in a good specialist. Experience is the number one trait for you to look for, as you will want to be working with someone who is very familiar with such circumstances, from the free advice and consultation stages right up until you receive your compensation.

A good specialist will show you their expected fee schedule; an even better one will not expect a fee unless compensation is granted to you- and will accept payment only from the at-fault party, not the injured. A high win percentage rate for no-fault accident victims is also a positive attribute.

Knowing what types of accidents warrant such a claim is crucial to the request of the injured. The basic rule of thumb is that you can make a claim for any accident which caused damage to you for which you were not at fault, within three years of the unfortunate event.

Road accidents are not merely reserved to all parties being in a vehicle. Pedestrians have the right to file a claim if they’ve suffered from injuries resulting from a car accident.
Slips and trips as a result of uneven paving (typically at least 1 inch) or a carelessly left wet floor are also subject to claim. Work related accidents for which your employer was negligent, or if any employee’s training was not up to par, any resulting injuries can produce an accident claim. Medical malpractice and negligence, as well as industrial diseases (such as mesothelioma- a cancer resulting from asbestos fibers) may also be subject to an accident claim.

Finally, you need to know the steps involved in making an accident compensation claim so that you know what to expect along the way. Besides contacting a personal injury advisor/specialist, you will need to provide a certain amount of documentation. Eyewitness statements, police and doctor reports, photographs taken at the scene (if applicable), and any other information that is pertinent to the claim should be with you at the time of your consultation. Remember, it’s better to have too much information than not enough.

Finding the right specialist for the job at hand is just as important as having the appropriate documentation. With a little research, you’ll find that the right specialist is just a few clicks (or a phone call) away.

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Simple Online Revenue Models

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Mar 112021
 

Setting up an online business is nothing new, consider the amount of new
sites going live every day and you can be sure more than just a few of them
going to produce some type return on investment. You can increase the odds of a
positive return by selecting from a proven and simple revenue model such as
advertising banners on a
free dating site
or using adsense and google on
a free realestate
site
or selling a service such
SEO
and development. Travel is another huge
online industry that returns commissions to website operators for traffic
referrals that convert to a booking or sale.

Retail has been established online for years now with sites like amazon.com
and the huge auction site ebay one of the biggest sites online. For the
new players to the online world there are many established sites to study and
model your web business on. Many of the hard lessons have already been learned
and a wealth of information is available for those willing to seek it out and
benefit from the experience of others.

Clearly you don’t have to have an established business to make money online,
affiliate sales make up a huge percentage of online sales with many companies
becoming specialists in this lucrative field of online enterprise. Typically a
market and a product or service will be identified and the online affiliate will
source traffic
and funnel into their own website as a conduit to the main site. The customer is
tracked along the way via a code and any purchase is tracked and credited to the
affiliate who is in turn paid a pre determined percentage of that sale.
It’s a very good system and there are thousands of niche industries now running
affiliate programs for the products and services they offer. In effect there is
something for almost everyone who has aspirations of selling to their online
audience.

Another popular method is paid banner placement on your site, you simply
charge an advertiser for the amount of impressions or click thrus on their
banner placed on your site. Selling impressions in my opinion is the least fair
with banner ads, click thru advertising represents better value for the
advertiser as they only pay when a customer has a genuine interest in the
product or service being advertised. I’ve been burned on impression advertising
before, the numbers sound impressive but if you have a product such as blue
widgets on a site where people are only looking for bright red widgets then sure
your going to get lots of impressions but not many clicks. The result is the
advertiser is not delivering value to the client and so the client only gets
caught once.

Adsense is googles way of giving back to the people! The adsense program
allows website owners to display google PPC ads on their sites and then pays
then an undisclosed percentage of the going click through price. I’ve heard of
some big cheques being written by google to their advertisers and some of the
high paying keyword industries can deliver impressive single click prices if you
have the right type of traffic. Examples include finance, medical, hosting, real
estate and travel. Be prepared to forever wonder exactly how much google is
actually making off your traffic if you adopt this model and always consider
going direct to the advertiser if you have enough traffic, you may in fact make
a lot more this way!

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9 Quick Tips To Buying A Stair Lift

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Mar 102021
 

Stair lifts provide more than just a means of getting from the downstairs floor of a house to the upstairs – they also represent mobility and independence to an ageing generation.


As time goes by, it is only natural that we find certain everyday activities, such as climbing the stairs, becoming increasingly difficult. For someone with limited mobility due to injury, disability or chronic diseases such as arthritis and angina installing a stair lift is a low-cost common sense solution.


And with today’s advanced technology nearly every home can be fitted with a stair lift, even if it has a curved staircase. Before you go ahead and purchase your stair lift make sure you use a professional and approved company with experience in this field.


Here is a quick and easy stair lift buying guide:


— If you are unsure about what kind of stair lift is suitable for your home get some independent advice from the Occupational Therapy Department of your local social services.


— Ask questions about the models that a company sells.


— Read sales literature and brochures, find out about the different brands of stair lifts and the models available.


— Get several quotes from different companies, but make sure they are for the same or ‘like for like’ models before comparing the prices.


— Make sure the quote covers the supply AND fitting of the stair lift.


— If you have a curved staircase, ask the company to assess your staircase and give you a personalised quote.


— Compare also the after sales service. What happens if your stair lift breaks down? Are you covered for repairs and maintenance or do you have to pay out extra for a service contract?


— If you are thinking of purchasing from a non-manufacturer, check that the company is an approved supplier, otherwise they may not be able to obtain spare parts.


— And never buy a stair lift from someone who tries to make you buy that day or is pushing a certain stair lift on you. Salespeople are paid to clench deals and will often discount the price heavily to secure the sale – but the model they want you to buy may not be right for you.


If you are considering having a stair lift in your home the website below contains free information and impartial advice on this topic.


You will find that installing a stair lift will give you access to the whole of your home with ease, comfort and convenience. It is also a much more cost effective when compared to the cost of converting your existing home having or having to relocate to a single storey accommodation.

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How to drive traffic to your website using funny videos

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Mar 092021
 

After a website is optimized for the search engines, some creative marketing can easily be done to help drive new traffic to your site. Many high traffic entertainment/humor websites use funny videos that are viewed for free by site visitors. In fact, many of these viral video clips that are sent around the world via e-mail originated from these websites.

The only down side to starting a funny videos site is the initial cost to build it, and ongoing update costs, coupled with the bandwidth these websites consume, which can cost between $100-$1000/month just for hosting on a dedicated server. This is because these funny videos websites have hundreds or even thousands of downloadable videos available, and every time one is viewed there is a sizable amount of bandwidth consumed.

So how do you take the idea from the funny videos platform and apply it to your own website? Webmasters can easily incorporate this creative marketing technique into their own eCommerce websites.

Think about it this way. Most eCommerce websites have one primary function: To sell a product. The key to success with an eCommerce website is to rank high in the search engines and be found by someone looking for a product. Often times when a customer visits an eCommerce site, he or she sees the same basic format. There is a nice looking home page with an overview of the company and product line, and some pictures of featured products. Then the customer can find links to other product pages as well, or do a search for a product by keyword.

But to get the customer to come back to your website and buy more products, there must be something that sets you apart from your competition. How can this be done? There are two effective methods to achieve this. In a nutshell, adding video media will bring a whole new dimension to your website to help drive new traffic and gain repeat visitors.

In the case of an entertainment website, the funny videos are the catalyst that drives the repeat traffic to the website. In the case of an eCommerce website, you can add videos to your pages that blend with the theme of a particular product.

For example, if you sell fishing gear, then you can add the funny video of the reporter in Mexico who was floating down the river, only to be repeatedly pummeled by hundreds of fish that were jumping at his spotlight into the boat. That should get a laugh from your customer, and give them something to feel good about while they are looking at your product inventory. It’s kind of like a bakery. When you walk into a bakery, you are almost always enticed to buy something. It makes you feel good. Well on the internet, you unfortunately don’t have the option of smelling what you see. But adding funny media can arouse other senses in a customer and make their shopping experience more enjoyable.

Another great way to help market your product is by creating ‘how to’ videos for your products. For example, if you sell products for sailboats, you can make a series of short ‘knot-tying’ videos, and feature a different type of video on each product page. This can be done easily with a digital camera that records video clips.

Here is how you can accomplish this:

1.First, set up an area where you camera is on a tripod or table.

2.Next, make sure you have a good backdrop for the video clips. You want to use an area that makes the action in the video stand out.

3.Then record the video. In the case of knot-tying, you can write a script before hand and narrate the video as you are tying each knot for the camera.

4.Then download your video clip to your computer. You can also modify the size of your video with any video editing shareware tool.

5.Simply upload the video clip to your website and link to it with a descriptive title. That is it.

One idea to make this effective is add one knot-tying clip to each product page. This will not only make the customer want to visit each page, but it keeps them interested in your website.

There is one more important point to consider. You must present the training clips so they are most effective. To do this, be sure and place them in a prominent area on each page so they can be seen. And add several lines of text under the video link with a description of the video and keywords that someone might find while searching. For example you can tag the video link with ‘Instructional Video On How To Tie An Angler’s Knot’.

Then lastly, you can create a separate webpage with a ‘video directory’ of all your videos. You want to also have search engine friendly keywords on this page as well. Then add a link to your directory page from your other pages, especially your index page.

These tips will help your website stand out from the competition. Simply by adding a few funny videos to your site, or some informative training videos that you can easily create from your home or office, you have added a creative marketing edge that goes beyond optimization.

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