Health Care For Canadian Entrepreneurs The Most Sensible Option Is A Best Kept Secret

The Shocking Truth is that you will only realize 70% of the value of a traditional health plan.

The reality is that for the small businesses (especially the sole owner type), monthly health benefit plans are designed to yield around 30% in profit for the Providers when it comes to routine health care expenses. On average, for a small business, you will only get out 70% of the premiums you put in – the traditional monthly plans are designed that way. And, if you claim more in one year, your premiums or limitations will normally increase to maintain that 70/30 ratio.

A Health Spending Account is a great alternative for entrepreneurs.

In contrast, a Health Spending Account (HSA) is far more cost effective for these routine health care expenses, without the artificial percentage and coverage limitations imposed by the insurance carriers. For example, most monthly health plans cover 80% for routine cleaning, up to a fixed annual limit per person. HSA’s have no percentage limits imposed – 100% is covered.

Monthly health plans typically cover only certain services. Few monthly plans cover things like glasses, massage therapy, orthotics, contacts, laser eye surgery, etc. A Health Spending Account allow entrepreneurs’ and their dependents to gain access to a full spectrum of health care services.

The final good news is that Revenue Canada (CRA) allows incorporated Canadian businesses to write-off 100% of the costs of a Health Spending Account, and all claim reimbursements to employees (and dependents) are completely tax-free.

Is it any wonder that today the majority of small Canadian incorporated businesses are now looking at a Health Spending Account, as either their primary, or secondary form of health coverage.

The bottom-line is that it is more economical to cover the routine costs, and the broader range of health care services through a Health Spending Account. In these situations, the monthly benefits plans are more restrictive, more costly and far less flexible.

Tips On How To Study Effectively

Most people are having a hard time to study effectively. No matter how hard you try, there are just some things that can distract you. Distractions are everywhere and it is up to you to stay away from it.

This article provides three tips on how to study effectively:

1. Consider place and time – When you wish to study effectively, consider the place and the time. It is always best to study at the same time and place. You devote yourself to studying only with one common place you are most comfortable with. This will actually help you focus and concentrate as you can associate the time and place every time you study. You can actually make it a habit as soon as you get to sit down on your chair at the usual place and time.

2. Water helps – Most of the time, people always believe that coffee is the best drink to take while you are studying. They always want to drink this because they think coffee can actually keep them awake. It is true that coffee helps in keeping you awake, but coffee also gives negative effects. This can actually slow down your memory and decreases your attention span. It also increases your anxiety. Water is always best recommended while studying. Drink plenty of water during your study session, especially when you feel sluggish.

3. Take breaks – It is best recommended that you take breaks in between your studying time. It is very important that you take a break before you feel tired and begin to lose your concentration completely. Regular breaks can actually help you sustain and maintain your concentration and focus. You do not feel tired that easily. The breaks may depend on the person’s capacity in focusing. If you think you need longer breaks, then it is best that you do it.

Studying effectively is not impossible. You can always focus if you just consider these three tips.

Study in Australia with IDP education

Ever since our childhood, we all dream of perusing different professions like doctor, engineer, journalism, teaching, management, etc and accordingly we take up appropriate education training that is required in turning our dreams into reality. After school, we wish to attain suitable training wherein we can hone our professional skills and acquire proficient learning such that we are prepared completely to face the practical world and apply our gained knowledge in our desired field of interest. However, with globalization, the education prospects have widened and one can acquire good quality education through experienced faculty that can guide students in facing the current global scenario.

Today, there are several education institutes that promise to impart quality education. With an array of options in India and abroad, it becomes extremely difficult to choose the appropriate institutions where in one can invest their hard earned money in gaining knowledge and expert training. Studying abroad is an advantageous option for ambitious students who wish to attain practical training and broaden their knowledge horizons by interacting with students from varied cultures and traditions.

Of all the places of the world, Australia is a desired destination for students all across the globe who wish to Study in Australia for increasing their knowledge horizons. Australia is one of the best places in the world to live while you learn. Despite offering a high standard of living, the beautiful country of Australia offers an opportunity to learn at competitive costs. All work and no play makes jack a dull boy! While you Study in Australia, you can experience the mystic beauty of this exotic land and also the enriching cultural festivals, concerts and museums, to major sporting events.

The educational institutions in Australia boast of imparting high quality education through assigning practical projects to students who get an opportunity to put on their thinking caps and exercise their grey cells! Whether you study in Melbourne or you study in Sydney, you will come across the best education training through the best team of faculty who will support in your entire learning process. After being a part of the famous Australian Universities, you will receive a quality education that will form a strong foundation for your future success.

Australia is famous all across the globe for offering an array of professional Post Graduate Courses. Several students wish to pursue MBA in Australia. The institutes provide an exceptional learning atmosphere amongst modern and high end infrastructure.

Transition from Military Life to Small Business Careers

Perhaps one of the most challenging career and employment situations imaginable takes place every single day when individuals serving in the military prepare to move from military service to a new career. This involves thousands of motivated government employees who at first glance should have absolutely no trouble in obtaining an appropriate job. It is hard to imagine any prospective employees who would have more motivation to work hard and succeed in whatever they do.

Despite initial appearances, military personnel are currently experiencing a high unemployment and underemployment rate. Perhaps because of this or outdated assumptions about the value of all forms of college education, the first step in military transition to business careers is often a decision to obtain a college degree. This can prove to be the right move in some cases, but it can also become an expensive mistake.

The difference between education and training is frequently misunderstood by many people, and such misunderstandings probably contribute to a disproportionate percentage of career choices focusing on educational institutions instead of more specialized (and much cheaper) career training programs. While advanced education has a special place for specific purposes and goals, it is simply not the best career choice in a surprising number of cases. One of the best possible illustrations of this dilemma occurs when someone is departing from the military. In this situation, education can appear to be the “easy” decision. But with more scrutiny, training frequently emerges as the “smart” decision.

Just as specialized business training is usually one of the most cost-effective strategies available to small businesses, the selection of a practical career training program will often prove to be a more cost-effective military transition alternative in comparison to other options that include lengthy and expensive university studies. It is true that the most viable and appropriate training choices will require some investigative time and effort to evaluate thoroughly. In large part this is due to the fact that colleges and universities have extensive marketing resources to advertise and persuade while the less well-known training opportunities are more of a “word of mouth” situation.

For example, one of the most effective career training situations devotes no resources whatsoever to advertising and lobbying. In this case the program leads to a small business finance consulting career. Because overhead is much less than the highly-capitalized universities, the cost of such services are understandably much less. Unfortunately it is not always true that you get what you pay for, so a prudent military transition will require due diligence from start to finish.

Stephen Bush has provided candid business advice to small business owners for over 30 years. He specializes in business negotiating and business proposal writing. Steve offers career training programs for small business finance consulting throughout the United States and Canada. He is a U.S. Navy veteran who works directly with individuals leaving military service and helps with the transition to a small business career.

Health Care Company Refuses one Form of Technology

ASA Opts for True Customer Service Over Phone Recordings
The Pittsburgh-based health care company Automated Security Alert has a shockingly good record for taking care of their clients. The health care technology company is devoted to keeping senior citizens and physically disabled persons in their own home instead of in assisted living – and their clients have a 46.42% lesser rate of hospitalization. Far from using only push button medical alarms to care from their clients, they also offer electronically monitored medication dispensers, monitored smoke detectors, fall detectors, and many other advanced products. So for a company that embraces so many forms of advanced technology it is quite surprising to think that they would refuse to use any form of modern technology, but Automated Security Alert has a firm belief that when someone calls them on the phone they owe them the right to speak to a human being. In an era of frustrating and time consuming pre-recorded telephone menus, Automated Security Alert refuses to conform to the idea that people should be forced to communicate their needs to a computerized system. However, this does not only apply to office business hours only, it applies 24 hours a day, 365 days a year. Jason Seyler, director of Life Safety commented on the refreshing policy, -With many companies using Interactive Voice Response technologies, consumers are rarely ever able to speak with a live person during the first few minutes of the call . . . Automated Security Alert does not use these technologies due to the importance of our consumers. Live people answer our phones at all times, day and night. Subscribers can call our office at 1-800-338-7114 at any time with any questions or concerns that they have.- Automated Security Alert, Inc., has provided freedom and security since 1988 to over 60,000 consumers through the use of technology and services that enable seniors, physically-challenged persons and recovering patients to maintain an independent lifestyle in their homes. ASA’s creative, dependable solutions include medical alert systems (-personal emergency response systems-); fall detection systems; and medication management systems, including electronic pill dispensers and monitored automated medication dispensers. For further information, please contact Matthew Couillard at 1.800.338.7114. ——————————————————————————-
Michle Ada,Author of this article.
For further information on Medical Alert Systems and Fall Detection Systems you can contact ASA or call us at 1-800-338-7114

p>

Singapore A World-class Education Hub With Sky-high Tuition Costs

Singapores education system has been described as “world-leading” and was among those picked out for commendation by British education minister, Michael Gove, last year. Perhaps, the governments efforts in providing each child with schooling opportunities are indeed laudable, but still, parents complain of the rigid and competitive nature of this very system. So maybe, the most nerve-wrecking, mind-boggling issue on every Singaporean parents mind is how can my child be one of the best? Surely, the recent implementation of Teach Less, Learn More does nothing to ease this tension, and to study independently seems not to be the nature of our law-abiding kids, whom our Western counterparts tend to dismiss as lacking the inquisitive spirit and/or innovation. But it seems our parents have found an alternative to induce this spirit through intensive tuition.

H2 Mathematics Tuition and H2 Physics Tuition are two of the most common subjects being sort after by Singapores high school students to be tutored. A Sunday Times poll conducted by the Straits Times found that out of 100 students, 97 students are attending tuition. Singaporean parents are enrolling their children in multiple tuition centers, many willing to pay up to S$3000 a month engaging multiple Top Tutors especially for higher level education, e.g., Junior College and/or higher. With the aim of establishing a robust Science Hub, Singaporean parents see the need for their child to be equipped with the necessary, and hence are willing to pay, regardless the price, for crucial science stream subjects, investing in H2 Mathematics Tuition and H2 Physics Tuition.

There are parents who prefer to engage Top Tutors for private home tuition, which are especially common for high school students dealing with more complex and difficult subjects. The rates for Top Tutors can range from S$35/hr to S$80/hr depending on the popularity and level of the tutor. Group or class tuition is also increasingly available in Singapore. Not only is it a cheaper alternative, they also feel that their child will benefit and learn more from interacting with others while asking questions during tuition a form of inducing an inquisitive spirit. The class size of a typical H2 Physics Tuition or H2 Mathematics Tuition classes are often small for effective teaching and learning.

It may be true that many successful people come from well-off family background, and indeed, their parents may have the capital to equip them with the necessary, but how many outlier cases have we heard, where children from working class families still made their way to the top, for instance, 42nd US President Bill Clinton. Perhaps, who makes it out successful and who does not, depends again largely on the individual.

Tim Evans Auto Repair Shop Attracts Customers To Boost Business

Tim Evans immediately noticed an increase in business after embracing the idea of marketing. The biggest result is that were still in business, says Tim. A lot of shops cant say that.

Evans Tire and Automotive Center is located in a highly competitive area in Smithfield, North Carolina. Like many other shops, sales began to slip. Tim knew he needed to do something to keep his repair shop open. Tim explains, Marketing really became a priority for us and its gone over well with the community. Now were known in our area for doing a lot of unique things with our marketing strategies.

Overview
As with many auto mechanics, repairing cars has always been in Tim’s blood. He was raised with a father that was a mechanic and owned his own shop since 1972. Tim jumped on board in 1980 and then later took it over from his father. His shop currently has a 13 to 15 bay capacity.

Serving the Smithfield community for more than 30 years, this shop offers a full line of tire services and auto repair for all makes and models and also sells competitively priced tires. Tim’s shop is an American Car Care Center where customers can benefit from warranties on automotive work, flat repairs and road hazards.

Challenges
Tim was faced with the challenge of keeping his auto shop open in a highly competitive area. As other shops were closing down he connected with Ron and learned how to attract and maintain the right type of customer.

Tim needed to find customers that would require repeat business. He had to learn how to market to these potential clients to first of all keep his shop open and then secondly to expand it.

Goals
Differentiate the shop from the competition.
Decrease overhead.
Increase capital, cash flow and net profits.
Implement streamlined operational systems.

Methods
By examining buying habits and the overall financial trend of the community, Tim was able to identify his desired customer and then develop a number of strategies that would successfully reach them. Its not about having one strategy that works really well, says Tim. Its about having 100 different strategies that all work a little bit.

Tim also utilized the methods that he learned from networking with other shop owners in Ron Ipachs Elite Mastermind groups. He explains, You can learn so much from your peers. All of these people in the group bring different experiences to the table. And you can get input on your particular challenge from numerous different people its been invaluable to me.

Conclusion
I wonder if we would even be here if we had not started marketing, says Tim. Marketing is a necessary evil; youve got to be in contact with your clients. Its very competitive out there, complexity of the world as a whole; youve got to market!

Why Students May Choose To Study Abroad

Choosing to study abroad is a superb choice for both high-school and college students, alike. High-school students, who choose to study abroad, typically enroll in a foreign-exchange student program. While these students study in other countries, they will stay with a family from that country.

Foreign-exchange programs are terrific for high-school students, as they are not yet old enough to live on their own. In many cases, these students build lasting, strong relationships with their adopted families and remain in touch for the rest of their lives. However, choosing to study abroad while in college can be a bit more complicated.

First of all, choosing the proper college is crucial, as it could affect the student’s entire future. However, students should also keep in mind, that there is no such thing as the perfect school. They should strive to find a college abroad that offers courses pertaining to their preferences and will prepare them for the career of their choice.

Most colleges have administrators or international student organizations that will help foreign students in their decisions. Many of these administrators and organizations have studied abroad, as well; and they know what concerns these students may have. They can give the students a vast array of useful tips, as well as, answer any questions that may be troubling them.

Students, who study abroad, will experience the enthralling life and culture of the country they choose to study within. On their down-time, they can explore all that the country has to offer. From sight-seeing to shopping, studying abroad can be a fabulous experience. They have the opportunity of learning all about the people of the country and perfecting their language of the country, as well.

They can delight in the local restaurants, or they may choose to explore the country’s tourist attractions. One of the best benefits of studying abroad is the diverse people that students will meet. They may meet other students from all over the world, and they have the opportunity to build lasting friendships with other students of various cultures.

There are many scholarship programs that will help students study abroad, as well. Therefore, cost should never be a deterrent when students choose to study in other countries. The benefits students will enjoy while they study abroad are fantastic, and students will be sure to make many memories that will last for the rest of their lives.

In conclusion, choosing to study abroad can be a marvellous experience for both high-school and college-bound students. High-school students, while too young to live on their own, can enroll in foreign-exchange programs and stay with local families within the country they study in. College-age students should always consult with the college’s administrators or international student organizations, as to the suitable schools and courses they may want to take when they study abroad.

Overview Of The New Healthcare Management Degree From The University Of Southampton

The new BSc healthcare management degree from the University of Southamptons Faculty of Health Sciences is called the BSc in healthcare: management and policy research.

It is an innovative and pioneering course, which has been developed in response to a need for more highly skilled managers and researchers.

This healthcare management degree programme lasts four years and includes a one year practice placement, which will give you the confidence and competence you need to make a successful start to your career.

The curriculum places special emphasis on developing your ability to identify, investigate, understand and solve problems in healthcare delivery and design.

It also prepares you for a wide range of employment opportunities by emphasising quantitative skills and independent critical thinking.

As a student on this BSc Healthcare management degree, you will be based at our Centre for Innovation and Leadership, where you will be part of a vibrant community of academics, as well as PhD and masters students.

Each year of study on this BSc healthcare management degree is composed of three central components.

Firstly, the core concepts component gives you an understanding of the issues central to healthcare systems, management and policy.

Secondly, the methods component develops your understanding of quantitative and qualitative methods, as well as the crucial social scientific disciplines, which underpin that knowledge.

Thirdly, the mentored independent study component is where you will undertake research with the support and guidance of senior researchers and professors.

Throughout this healthcare management degree programme you will be assessed through essays, article reviews, group projects, presentations, exams, research reports, portfolios, short answer papers and multiple choice papers.

All this is supported by a comprehensive feedback system, which provides a combination of individual and generic feedback designed to help you understand your performance, and also learn how to improve.

To discover more about this new healthcare management degree, all you have to do is visit the Health Sciences website at www.southampton.ac.uk/healthsciences

Best Bluetooth Automotive Scan Tools and Code Readers

Did you know your car has a computer inside it that records a massive amount of data about peformance and economy? Did you know that for a few dollars you could access this information and display it on your smart phone like some futuristic dash display from Knight Rider? Well you can!

You can also learn a lot about your car and how to maintain or repair it, things your local garage mechanic might charge hundreds for!

All cars made after 1996 (in the US – a little later in Europe) should be OBD II compliant, OBD is on board diagnostics and this is what all modern car mechanics use to understand a vast amount of information available from the vehicle, however, without some kind of interface all you will normally see is a warning light on your dash.

Automotive Scan Tools allow you to do this, those that have bluetooth allow you to connect them to an Android Smartphone or a Laptop.

Having the ability to read OBD codes, then translate them into a fault allows you to do a number of things, firstly you can understand the probable severity of the problem and whether it is something you can fix yourself, or allows you to be sure that when taking your car to be repaired you will not be so easily charged for faults that don’t exist.

The other, frankly much cooler aspect, is that the data from the vehicle can be read in real time, on a mobile device running a suitable app such as Torque, this data can show you the speed of the engine (rpm), economy, acceleration, power, torque, 0-60 times, engine and coolant temperatures and many many more stats that you can record, tweet and analyse!

Article Credit :

Chevrolet Silverado Sugarland
Houston Car Dealers