How to Start a Profitable Home Improvement Referral Service

Home improvement referral services are cropping up from New York to California. They are taking the time to do the legwork to find reputable and reliable contractors and these businesses are reaping profits from good work.

It really doesn’t take much to start. A home improvement referral service business takes only a little money and not more time than a regular 40 hour a week job. They can actually start making money within the first year of business.

The first thing to consider is what types of home improvement businesses your will refer. This can include gutter cleaning and replacement, remodeling, building additions, fencing, lawn maintenance, and many others. Remember, all though you may like to paint a client may not like it or have the time. Therefore, no business should be overlooked.

Once you have an idea of the types of contractors for your referral service business, you will need to call the local, county, and state government offices. Get the regulations and requirements regarding licensing, bonding, business registry, and insurance for each type of contractor. This is the first step to building your list. Any contractor that does not meet government regulations should not be on your referral list.

By knowing these requirements and using them, your home improvement referral business will gain credibility with your clients. They will know that if the contractor doesn’t meet these requirements, they will not be on your list. It makes the client feel more sure the job will be completed professionally and correctly.

Another way to ensure creditability of your referral service business is to only look at contractors that are recommended by their past happy customers. But this is not the end of the screening process. Recommendations are not enough.

Once a contractor is recommended to your home improvement referral business, you need to check out his or her service. Talk to them, explaining your referral service business. Many contractors will give you the needed information happily. Ask to see their licenses, bonding information, and insurance to ensure they are current and up to date. Ask for a list of services they provide and the cost for these services. Finally ask for references you may speak to.

Now you have gotten your contractor referral list started. While working on creating this list, you should have started thinking about a name for your referral service business, advertising, office area, office equipment, and ordered a phone line for the business. You may want to use a computer right away, but an index card or file system could work just as well and for a fraction of the cost, until your company grows. Keep in mind that as your company grows, the office space, office equipment, and referral list system will probably need to become computerized to save time and money.

What to Know Before Signing a Home Improvement Contract

It is important to be a very careful consumer when it comes to home improvement contractors. For instance, I had a case where my client, an elderly and blind woman, signed a contract and paid $30,000.00 to a home improvement company that disappeared with all of her money! Unfortunately, the company was a scam operation, my client lost her life’s savings and it will take some time in court before my client may ever see her money again however, her mistake will be a lesson to all of you because this article explains how to protect yourself from home improvement fraud.

Before signing any contract with a home improvement company, first ask that company for its license number and check it out with your State or County Consumer Affairs’ Business License Division. Find the License Division on the web or call information and get their number. You want to find out (1) the name and address of the company associated with the license number given to you, (2) if the company is currently licensed and the license expiration date and (3) whether any complaints have been made against that company. The answers to those questions will help you determine if you want to proceed with signing a contract. Make sure both the contractor and the company he works for are licensed to work in your State.

If your going to sign the contract then make sure certain things are included pursuant to your understanding and as required by your State’s Home Improvement Business Law. The contracting company’s name, address and phone number should be printed on the contract. Also, it is important that the contracting company’s home improvement license number is printed on the contract and that it is not different from the number you called and inquired about with Consumer Affairs. Lastly, make sure that all of the work to be performed is listed in the contract and that the approximate start and end dates of work are included. You should put a penalty clause in the contract regarding the contractor’s failure to timely complete the work because contractors are notorious for starting jobs and then leaving for a few days or weeks to do other jobs while you sit and wait in your dismantled kitchen for him to return. Once the contract terms are satisfactory then the contract should be signed by both you and the company’s representative.

Health Insurance – Celtic

Celtic Health Insurance Company is one of the companies that specialize in affordable private individual health care plans that fit offer top notch benefits to fit a wide variety of needs. The availability of affordable health care plans that provide needed protection against medical costs associated with illness or injury is important to consumers everywhere. Insurance is necessary to help offset the rising costs of medical care today. By covering individuals and families against financial ruin because of medical care costs, Celtic Insurance Company is doing their part to ease the burden of the ever rising costs of health care.

insurance is something nobody should gamble and go without these days, for one serious illness or accident that results in injury can compromise the financial budget for a long time to come. With adequate health insurance, such as plans from Celtic, there is help for medical costs and therefore peace of mind from day to day in knowing that things are taken care of. Most insurance companies have plans from basic to comprehensive that will cover a variety of medical costs. Some plans even cover quite a few preventative services such as wellness doctor visits as well as hearing and vision screenings.

Celtic Health Insurance Company strives to provide their customers and prospective customers with cost effective health care plans that fit the customers’ needs. By listening to what consumers are saying is needed in the health insurance coverage world, Celtic is learning how to better serve clients everywhere with varying needs. The inclusion of many doctors and a variety of health care professionals ensures that each customer can find the medical care needed at an affordable rate.

Quality health insurance plans like the ones offered by the Celtic insurance company cover doctor visits, both wellness and sick visits, hospital stays, maternity care for both prenatal and postnatal needs as well as baby care, screenings such as hearing and vision tests, and the list goes on. Covering the day to day medical needs of consumers is what they do at Celtic. By providing good health insurance plans and peace of mind along with it, Celtic helps to boost the quality of life for consumers everywhere. In the event of serious illness or injury, the insured person does not have to stress over the medical bills but can instead focus on getting well and returning to full and optimal care.

Health Insurance – Cigna

Insurance is a maze of confusion to many people. Different companies, many different plans, this covered while that is not covered, long waits on the phone, paperwork after paperwork, it is not any wonder people cringe and want to hide when the topic of health insurance comes up. Health insurance coverage plans do not have to be a quagmire of paperwork and questions, there are companies who have clear cut plans and will discuss any of them with consumers anytime. Cigna is one of the health insurance companies striving to be a company that helps their customers with overall health care concerns.

Cigna wants to be an insurance company that not only offers affordable medical care plans but one that also values their customers’ well being overall. They want to help people prevent injury and illness and achieve overall optimal health. Instead of being a health insurance company that only works with their clients during times of illness or injury, Cigna wants to be the one that encourages and helps clients stay healthy overall. This is evident in their health insurance plans that cover doctor appointments for wellness checks as well as screenings for hearing or vision problems.

From Medicare supplement plans to individual and family plans, Cigna has affordable options for everyone. The focus at Cigna is to bring up the level of quality health care while simultaneously working to bring down the overall costs associated with that health care. With an overall company purpose that desires to improve customers’ overall health in three significant areas, physically, behaviorally and financially, Cigna is determined to become a global health service that is looking out for people. By striving to improve client health and overall well being, Cigna knows that the sense of security will come with that as well.

Insurance plans do not have to be overwhelming or complicated. With some research and knowing what is needed for the family, consumers can find an affordable health care plan that meets all their needs and does not break the bank. Cigna assures clients and prospective clients of this on a regular basis. By being sure to purchase a health insurance policy that is designed to cover the family’s needs, consumers can safeguard the family finances and bring about peace of mind that comes with knowing that unknown future health issues will not jeopardize the family’s future. That is definitely big peace of mind.

An Overview Of Health Insurance in South Africa

The Insurance industry in South Africa is an ever-increasing industry, with new insurance companies appearing all the time, even other business have now jumped on the band wagon to offer insurance such as major food chains. Amongst all the different types of insurances that one finds here, such as car, household, life, travel and a myriad of others, I want to particularly speak about health insurance in South Africa and what the current state and trends are at this moment.

A larger percentage of the South African population is underprivileged or are in the lower income bracket with a leaser percentage of the population in the middle to higher income brackets. As a result many people have to rely on the public health care system, which is over-used and under-financed. Because of a lack of funding and inadequate services many middle to higher income earners have to take out private health insurance from private companies. The private health care system is ever increasing as more and more people come to rely on it, a total of 18 percent of the population rely on medical aid schemes.

South Africa has had major challenges in the health care sector over the past decade with sharply rising medical costs. As a result insurance providers had to get crafty by creating insurance schemes that could be afforded by the general public. Medical aid schemes have been on the increase too with major health insurer being Discovery Health with 1.5 million members. As I mentioned before there are many insurers offering medical insurance and medical aid schemes in South Africa and it is important to shop around and look for one that suits your needs. It is also very important that you read ALL the fine print, as many health insurance providers will do anything to not have to settle a claim, this goes for insurance providers in South Africa and the rest of the world.

South Africa is also seeing an increase in interest from foreign insurance companies, offering normal cover for all and also some special policies for expatriates. These special policies can include transporting the deceased via aeroplane back to their home country. The cost of international insurance cover can vary quite a lot depending on the type of cover and the age of the insured.

Public Health Career Training Options

Public health professionals are trained to fill a number of employment positions in the field of health care. Students can receive training by enrolling in one of a number of accredited schools and colleges. With an education in public health students can gain the knowledge needed to start the career they desire. Students can choose to earn an associates, bachelors, masters, and doctorates degree.

Students can receive the skill training and knowledge that is necessary to pursue a degree in public health by enrolling in an accredited educational program. Professions work with a variety of individuals and situation to provide assistance for foster children, addicts, the homeless, and other people who need various types of services. By following a few steps students can obtain the needed skills to earn their degree and find employment working with these types of situations.

Research and enroll in the degree program that meets individual career goals.
Associates degrees can be earned with as little as two years of study from an accredited educational program.
Earning a bachelors degree in the field of public health can take students around four years of study.
Student can pursue a masters or doctorates degree which can range from an additional two to four years of study.
Decide on a career path that meets your desired goals and career profession.
With an accredited school or college students can pursue a number of careers in this field.
Professions in public health include health inspectors, public educators, environmental monitors, administrators, and much more.
Students can choose the career path that best meets their individual needs and desired skills.
Complete all required coursework and studies for desired level of degree.
Coursework will vary depending on the level of degree and desired career.
Students may have the chance to study in environmental health, epidemiology, and health management.
Other areas of study may include courses in behavioral sciences, policy, biostatistics, and many other related subjects.
Obtain your desired degree.
If needed enroll in higher degree training programs to further your education and obtain the degree desired.
Gain additional skills and knowledge by completing accredited continuing education courses for certificates.
Search for employment that meets your individual career goals in the field of public health.
Students who are looking to pursue a degree or certificate in this field can do so by enrolling in an accredited school or college. Accrediting agencies like the Accrediting Council for Continuing Education and Training ( http://www.accet.org/ ) is approved to provide full accreditation to a variety of public health degree programs. With accreditation schools can provide proof that students will receive the best quality educational training possible. Students can learn more about a career by researching available programs. Requesting more information will help students to decide which program is right for them. Start the road to your dream career by enrolling today.

Which Online Business Mentors Help You Make Money and Which Online Business Mentors to Beware Of

Are you seeking online business mentors to help you to earn money online? It is proven that having someone to guide you when starting an Internet Business can increase your chances of having a profitable business online. However, with everyone attempting to position themselves as an expert mentor it can be difficult to distinguish who is lying and who is telling the truth. Within this guide you will discover how to flush out the fake mentoring, and expose the training that can assist you with your business growth.

Most that are coming online will spend time researching a business opportunity, compiling information determining the value of products, services, and the legitimacy of the business. You should follow this smart business research, but you also need to put that much effort into finding online business mentors to coach you and your business model to success.

While it is suggested online business mentors can increase your success ratios for your business. You must the right online business coach to properly train you in your business building endeavors.

Find The Right Online Business Mentors And Flush Out The Lies From The Facts In Ten Easy Steps

Research Their Name – Who is this person that you are counting on to help you to build your business. This person should guide you in the direction to profit. So there knowledge, and background is important. Use the resources on the Internet to search there names, and criteria. If they have been successfully training and mentoring online, there should be significant information supporting those claims. This should be used as a resume is used in a job interview.
Testimonials And Where They Came From – If someone is putting there name up as qualified online business mentor, then they should have supporting testimonials of people they have helped. People that have learned, and benefited from their teachings. You want to learn specific strategies that will have your business profiting; knowing what level of commitment and training they have given to previous clients is suggestive of the type of commitment they will provide to you. It is suggested that online business mentors should have 10 or more testimonials with picture. Testimonials should not be income claims; they are illegal and are a form of enticement. As soon as you see income claims and not how the online business mentors have helped them, it may be a fake over hyped testimonials and I would suggest using caution.
Training Platform – How are you going to be trained in marketing and business building techniques? You need to consider how you learn best. Do you work better in a room full of people? Would you do better on a one on one basis, where you can get time to work solely on your business. You need to understand the step by step basis in which you will be trained.
Hidden Cost – The good news is most online business mentors will offer their services for free if you partner with them in their business opportunity. The bad news is that some have hidden fees and agendas, which creep out once you have chosen them as your online coach. Beware of any hidden fee
Specialized Training – What is your learning style? Some are not going to know until they are deep into the training. Everyone learns differently and everyone should have individualized plans on how to build their Internet Business. Insure they will give you specialized training and adjust training routines should you have a hard time with the training. Ask them what they have done for previous members. Make sure they are clear about what you can expect, if they do not have a clear answer I would question there training platform.
One on One Training – Some online coaches offer no one on one training time. While most Internet Business are online, you can still connect with individualized training on seminars, and phone where a student ca get the attention to their business that they need
Review System – Make sure they are detailed on how they review your work.
How Long Have They Been Training – Every online coach has a starting point. If they are just starting out make sure they have a team support system that you and they can depend on. Understand the dynamic of how this works, because if you are new you will need to depend on this system to help you grow your business. This is critical in the element of choosing the right mentoring.
Number Of Trainers – One trainer in a business mentoring is not good, but having to many you will lose the personalization. It is suggested the best mentors are those you can create relationships with, having not just 2 -3 mentors to contact is suggested to lose value. Make sure you are assigned to one or 2 mentors and only converse with any others on an as needed bases.
Mentors Job – Have a clear idea of what you expect from your training platform at the beginning if you expect one thing and they have a totally different approach this can hurt your business right at the beginning.

Here is the TRUTH About How to Succeed With an Online Home Based Business Opportunity

Here is The TRUTH about how to succeed with an online home based business opportunity

When it comes to building a successful online home based business you need leads, there is just no way around it! The aspects of a lead and consistent prospecting are the lifeblood of an internet network marketer!

Lets face the hard facts, without a steady flow of leads to talk to it will be virtually impossible for you to make any money in your business!

There are internet resources where you can buy leads. No need to chase your friends and family! When you have made your first $10,000 a month, then go ahead and give them the chance too, if you care about them. But if you do not want to buy leads, but generate your own right from the go because you have the time and resources to do so, then Sandi Krakowski is your answer.
Once you have your leads then you need to have a way to keep them organized with an email marketing system. I give you recommendations here also. So finding them is not the problem, home business leads can come from many different resources. A lead could come in the form of purchased or self-generated!

When it comes to finding companies on the Internet that will provide you with leads, a search on Google will turn up with thousands of results. You can buy or generate home business leads and learn how to invite them to take a look at your home based business.

QUESTION: If you just opened an exclusive $500,000 restaurant in your city, how in the world are you going to get the word out about your new restaurant? Did I hear you say…advertise? You are correct. In order for people to walk into your new restaurant, you need to expose your restaurant by taking “all-out-massive-action in exposure”.

Home Business Ideas – How to Build Your Own Online Business

Because of the recent poor economical climate through out the globe millions of people are thinking really hard about starting their own profitable online business. If you find your self to be one of those individuals, then this article may be of great interest to you.

Many people want to start a online business but have no idea where to start, what it’s about, or what they will need to get their business up and running. Finding the right information and instruction is not always a easy task. I intend to at least point you in the right direction with the information in this article.

First let me say that there is no reason for anyone to start out with the idea that there will be no hard work involved when starting your business online. I want you to accept the fact that there are no easy fixes, no get rich quick solutions, and no magic potions for your success. It’s just the opposite, you should prepare yourself to be willing to learn to make some changes as well as sacrifices in your life if you want to truly be successful online.

Even though there are no strict online business building methods that are written in stone on how to start your online business you will do well to begin by first:

• Finding, then making up your mind on exactly what it is you want to do! You will need to discover what it is that you are interested in doing, what your marketable strengths are. You will also want to take into account is this interest something that others will want to know about, is your interest marketable? Will it have value to others? You will be able to get some ideas about this by doing some internet research on your chosen interest to see if other people are showing an interest. I suggest that you start by using free online keyword search tools such as, Freewords.wordtracker.com, adwords.google.com/select/KeywordToolExternal, keyworddiscovery.com/search.html, wordstream.com/keywords these are just a few of the online resources that are available that you can use to help determine the popularity of your chosen online business idea or niche.

If you can’t come up with any ideas for a product or service to base your online business on, don’t despair there is a excellent alternative. There is the great option for you to promote and sell other peoples products or services. This is called affiliate marketing, it is a very popular method of having your own business online with out having to develop the product, service or promotional tools related to selling your own products or service online. Many successful internet marketers started out this way, because it can generate a great income they continue to incorporate affiliate marketing into their own business.

How I Setup My Business Bank Accounts

Breaking down the process into small individual tasks

The small tasks involved in starting a new business can often times add up to become a seemingly overwhelming process when looked at in their entirety. It is important to remember that most of these tasks really are small, and looking at them as such makes things seem a lot easier. In this article I will focus on what I looked at in my situation in order to setup my business banking accounts.

Prior to setting up my banking accounts

To get to this point I had to complete a series of other small tasks in order to have everything ready for setting up my business banking accounts. This included setting up my business address, completing my limited liability company paperwork and receiving my LLC paperwork back from my state’s secretary of state office, and applying for and receiving my Federal Employer Identification Number from the IRS.

Since at this point in my business creation I do not have any real income being generated, I needed to keep all my initial expenses as low as possible. In this case it means finding a business banking structure that will not have excessive fees and preferably have no fees at all. The last thing I want right now is to spend money setting up my business on things like recurring unnecessary banking fees.

What I needed in a business banking account

I started out with a little research using the internet on what was required to setup business banking accounts. There is quite a lot of information available which can be easily found, so I will just document my steps in the decisions I made for my particular setup. There were a few things besides low monthly fees that I wanted from by business banking account.

1. A local convenient branch location

2. A national chain with many locations

3. A good on-line banking service

4. The ability to add on a multitude of business services down the road

5. Low or no recurring monthly business banking service charges

A convenient branch location

The good news is that I was able to find all of these things in my community. I needed a local convenient branch location because I do not want to have to travel all over the place to perform my banking tasks. This is a matter of time-management for me, and in the past I have chosen poorly with personal bank accounts because I thought I would do most everything on-line and not really need something close or more convenient. While I do perform most of my personal banking on-line, I still find myself wishing I had chosen a closer bank when there are times I needed to physically go to the bank. Depending on the types of deposits I will need to make, I envision myself needing to physically go to my business bank in the future much more than I need to for my personal banking needs.