Permanent insurance such as Whole Life, Universal Life, Equity Indexed Universal Life and Variable Universal Life is regularly promoted as the perfect retirement vehicle or the new way to build wealth. This week I will expose the fallacies of those arguments. First of all, I believe that the need for life insurance should be met in the most economical way possible. With universal insurance, where life insurance is combined with investing, you end...more
So your dream of having a successful business have perished (for now at least). You’ve made the difficult decision to close your doors for good, as your losses have mounted, month after month. After much soul searching, you have conferred with business partners, advisors, and your family, finally reaching the conclusion that the current version of your business is a far cry from what you imagined it would be. Bottom line: It just...more
Working in a traditional office may be exciting for some people, especially for those who can avail of flexible time and still earn big bucks from their office jobs. But this is not the case for most people who have had enough of daily commuting, minimum wage rates and the horrible Bundy clock. Most people I know would give anything so they can work at home and maximize their earning potentials. These people are aware that by working at home, they own their time and have unlimited earning potential. There are plenty of works at home opportunities in the Internet but not all of these are legitimate. Some of these work at home opportunities become nightmares after you have sent money for registration or for other purposes. One way to get into legitimate work at home jobs is to join fora on specific work at home topics. A mom who wants to work at home can participate in a forum especially made for work at home moms. These fora are helpful not only in looking for work at home jobs but also in determining whether these jobs really pay their employees. Many online moms also join such fora and they can help you in many ways. Moms who already have work at home jobs can guide you as to...more
Preparing for the Medical Coding Certification Exam is a very difficult task. It takes a tremendous amount of time reviewing material and preparing to answer questions within the time constraints of the exam (five hours). Your time must be allocated properly or you will never get it done.Testing for the exam is done through the American Academy of...more
ICD-10-CM is the much anticipated diagnosis code revision to ICD-9-CM. ICD-10 has been in place throughout most of the world for morbidity and mortality statistics since 1994. It has been a requirement for reporting mortality in the United States since 1999. ICD-10-CM contains approximately 68,000 codes.Numerous studies have indicated that it will...more
If you are in financial trouble and can't find a way out one of the first options people resort to is bankruptcy. Sometimes this is the right decision and some times it is not. It all depends on what your goals are going into the bankruptcy.If your goals are:To reduce your debt to the lowest level possibleReclaim your financial statusKeep your house and carSuffer the least amount of emotional pain as possibleThen Bankruptcy is NOT your answer.This is not the general opinion of most people entering into bankruptcy. The general opinion is usually the exact opposite and this is where most people get into trouble. Let's review why this might not be your best option.The best option that I have found to reduce your debt to the lowest level possible is debt settlement. I have negotiated my own debt for 22% of balanced owed and can show you how to do the same. Filing Chapter 13 would have only reduced my debt by 40% as a payment plan would have been put into place for repayment over three to five years.A bankruptcy stays on your file for ten years. PLUS, if you apply for a job outside of the ten years you still have to answer yes when they ask. Otherwise you could be charged with fraud. So...more
What is True Success, and how can YOU Achieve it?Hi there, My name is Rich Railtion, Author of Joining Forces: 5 Steps to Strengthening your relationships whilst pursuing your dreams.Today we are going to take a look at what True Success really means...more
A steel building may be designed in such a way so to more easily adapt to the type of floor plan you need. The steel buildings of today are state-of-the-art and feature clear span frames that need no support columns. This type of frame can create an...more
1. Not taking it seriouslyTransforming your home in a rental or buying a Miami rental property is a business; hence, you must take it seriously. Casual checks every now and them wont cut it. In fact, if you fail to treat your rental as a business,...more
Why call themThe first advice experts will give you when your home in the city is facing a Fort Lauderdale foreclosure is to contact your lender. But there are instances when talking to your lender doesnt help. This is especially true if your bank...more
For years I have seen small business owners struggle to grow their business. Most business owners think that they need lot of money to market and grow their business to next level. I agree that it takes money to advertise and hire a sales team but I...more
The City of Birmingham in the UK is an exciting and up and coming place both to live and to work with excellent shopping and entertainment. It is also a good place to find work.You just have to look online on the internet at the many Job Boards and...more