Eliminating Business Hassles

Common Health Conditions That Could Impact Your Life Insurance

Posted by on 6:20 am in Uncategorized | Comments Off on Common Health Conditions That Could Impact Your Life Insurance

People would expect life insurance to be affected by a severe heart attack or a cancer diagnosis. What they might not know is some common ailments can also affect your life insurance. Despite the health conditions listed, you should still be able to find decent insurance; you just need to know that your rates will be affected. It depends on the score you get on the health scale from the company. Obesity Obesity is a big one and the cause of many other health problems. Being overweight puts stress on your organs, so if you have a higher body mass index, you are looking at higher rates and the standard plan. Obesity is something that can be combated with proper diet and exercise. If you can show the insurance agent that you are taking the steps necessary to make life changes, then they will be able to work with you on a better rate. Acid reflux This is something that a lot of people deal with. It is bad enough that you have to deal with it, but it can lead to worse health ailments and that’s why it’s on this list. It can sometimes lead to cancer and ulcers, so it is a health risk to insurance companies. There are medicines you can take to help battle acid reflux and the symptoms. Being able to show the agent that you are taking medication regularly will help you with a better acceptance rate and monthly price. High Blood Pressure and Cholesterol Both of these are things you don’t want to be high in. When you have high blood pressure it can lead to a lot of other problems and when you have high cholesterol you are a liability for heart disease and other potentially dangerous issues. These are also conditions that require a life change in order to change them. If you can show the insurance agent you are listening to your doctor and working on being better than this will help your case. Mental Health Mental health is another type of health that’s important. If you have certain problems such as anxiety, then you are considered a liability. Anxiety and depression are two of many mental illnesses that take a toll on the whole body so they are things looked at when going for life insurance. Showing that you are taking steps to work on your mental illness is helpful when shopping for life insurance. This can include taking the proper medication, following doctor’s orders, and seeing a counselor if needed. These are the more common medical conditions that can really affect your life insurance acceptance and rates. Remember to shop around and not just take the first offer you are given. Make the insurance companies prove to you why you should go with them. When you educate yourself on the things you can do to improve your rates, even with medical conditions, then you will be prepared to show them what you’re able to do. For more information, seek out services such as life insurance by SWB Insurance Brokers...

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Exposing A Couple Of Myths About Opening A Franchise

Posted by on 6:18 am in Uncategorized | Comments Off on Exposing A Couple Of Myths About Opening A Franchise

Starting a business can be an excellent way of investing your money. However, there are many people that may not have a strong idea about what type of enterprise they want to establish. To this end, opening a franchise can be an excellent option, but there are many people that make the mistake of believing some routine myths about starting a franchise. Myth: You Only Have To Pay A Small Fee To Open A Franchise There is a common assumption among some individuals that they will only need to pay a small fee to open a franchise. While there are some companies that opt for this franchising model, it should be noted that there are many enterprises that have strict requirements for issuing franchise licenses. This stems from a need to ensure that the establishment conforms to the company’s standards. As a result, you may need to undergo a rigorous application process. Often, this will involve running a background check and ensuring that the applicant has some level of business experience. Additionally, there may be follow-up visits in the future to ensure that the franchise is continuing to meet these expectations. While these steps may seem inconvenient, they can be essential for protecting the brand that powers the franchise. Myth: Traditional Loans Are Your Only Way Of Financing A New Franchise Some individuals may assume that the only financing option for starting a franchise is through traditional lenders. While these loans can be among the more economical ways of raising capital, there are some individuals that may struggle to be approved for the amount of money that they need. Fortunately, there are some programs available to those that are struggling with this aspect of starting a franchise. Often, the company issuing the franchise may offer discounted loans or grants to help individuals open their establishment. Also, it is common for local chambers of commerce to offer grants and low-cost loans to new enterprises. While you may need to combine several sources of financing to make your dream of opening a franchise a reality, this can be a small price to pay for the financial rewards that this investment can bring. Opening your own franchise can be one of the best investments that you can make in your future. However, there are many people that may not be very informed about the process of opening a franchise. By making sure that you are aware of the truths behind these common misconceptions, you will be better prepared for making a decision about pursuing franchise...

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Vital Skills To Practice Before Your First Employment Agency Interview

Posted by on 5:51 am in Uncategorized | Comments Off on Vital Skills To Practice Before Your First Employment Agency Interview

Everyone gets a little nervous when they’re going for an interview with a new company — and employment agencies interviews are no exception. Employment agency interviews are designed to test your aptitude to determine the best fit for you as an employee. If you want to put your best foot forward, there are a few skills that you can practice to prepare yourself and build your confidence.  Typing Speed and Accuracy Typing speed and accuracy is used for more than just administrative jobs. Many employment agencies use this metric to determine approximately how computer savvy you are. Apart from this, it’s a simple and direct metric to test on — and there are many jobs in data entry and related fields that require speedy fingers. In general, if you can’t type both fast and accurately, you should focus on accuracy. Word Processing and Spreadsheet Functions At an employment agency, you may be tested on your basic knowledge of common office software. This usually includes simulations of popular word processing and spreadsheet programs. You can brush up on your skills by taking a quick online seminar or simply by loading up the program and starting a new project. You usually won’t be tested too deeply on this knowledge; employment agencies are simply looking to determine how much work experience you’ve had in an office setting.  Interviewing Skills Your employment agency interview serves two purposes: it both introduces you to the company and tests out your existing interview skills. A mock interview with a friend or family member is a good way to prepare yourself for the questions they may ask. The more practice you have giving your answers, the better. In particular, work on describing your work history and answering questions about your unique skill set.  10-Key Skills If you’re looking at data entry, it’s likely that you’ll be tested on your 10-key skills. 10-key calculators are the exact opposite of an ordinary computer calculator; usually only those who work in data entry, accounting, or bookkeeping will be accustomed to them. It’s worth it to improve upon your 10-key rate of typing if you’re going to be doing any form of administrative work.  If you want to be even more prepared, you can always call ahead and ask whether there are specific skills that you will be tested on. Remember: an employment agency is both a partner and an advocate for you. The purpose of an employment agency is to find you the best opportunities and positions, so don’t be afraid to ask questions.  For an employment agency, contact a company such as Career Contacts employment...

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How To Make First-Time Denture Wearers Less Anxious About Their Dentures

Posted by on 6:57 am in Uncategorized | Comments Off on How To Make First-Time Denture Wearers Less Anxious About Their Dentures

It can be a very anxiety-producing thing to be a first-time denture wearer. Patients may have many questions and concerns. As a denturist and business owner, you may not have the amount of time you would like to answer them all or alleviate all their fears, even as much as you would really want to help. There are a few ways you can help your patients with all of their first-time denture concerns. Offer a “Denture Clinic” at Your Denture Clinic Schedule a monthly session, possibly on a weeknight or weekend, where you can teach about dentures. Start with an hour-long session and ask your first-time denture patients if they would be interested in attending the session. Provide denture-friendly refreshments that can open the conversation to what foods patients can enjoy and that having dentures does not mean you have to stop eating the foods patients like. Then continue the session with proper care, oral health, emergency situations, etc. Round out the session, or “denture clinic,” with a little Q&A, and most of your first-time denture wearers should be quite sated with the experience. Create a Pamplet You Can Give New Patients That Explains Denture Wear and Care Most dentists provide word-of-mouth instructions to new patients, but may miss something in the information that they provide this way. While you can certainly still provide oral instructions to your new patients, you could also create a pamphlet that you can give to new patients. The pamphlet could and should explain denture wear and care in full detail, leaving nothing out and attempt to answer most of the questions that new denture wearers frequently have and even some of the ones they do not. (Even better, create a large print version for senior citizens and those who have trouble reading a standard 12- or 13 point font.) Provide First-Time Denture Wearers with an After-Hours Help Line If you really want to make your first-time denture wearers feel more comfortable and at ease, create an after-hours help line. Provide patients with the telephone number they can call with questions, concerns, or emergency needs. Either you or one of your staff can be on call to answer the phone so that patients know exactly who they are talking to when they call in on nights or weekends. Sometimes just knowing that there is help when they need it and it is available when the office is closed is enough to relieve new patient anxiety. For more information, contact a company like Kamloops Denture & Implant Centre Ltd....

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How To Figure Out If The Thermocouple On Your Gas Furnace Has Gone Bad And How To Replace It

Posted by on 5:29 am in Uncategorized | Comments Off on How To Figure Out If The Thermocouple On Your Gas Furnace Has Gone Bad And How To Replace It

Heating systems get quite a workout in the middle of winter when temperatures drop to their lowest degrees seen throughout Canada during the year. This is also the time when a heating system will break down and stop working – leaving you to face the frigid air undercovers to stay warm. One of the parts you should check is the thermocouple. The thermocouple operates a valve on the main gas line to the burners in the furnace. If the thermocouple fails, it will shut off the gas line and the furnace will shut down. Here is how to figure out if it’s your thermocouple that’s gone bad and how you can fix it. Test Pilot Light The first think you want to check is if the pilot light is on and working well. The heat from the pilot light is used to activate the thermocouple that sits just next to or above the pilot light. The flame on the pilot light should be bright blue with a slight yellow hue at the tip and it should reach the tip of the thermocouple. The pilot light and thermocouple are next to each other and attached to the same bracket.The color of the flame means there is enough heat being applied to the tip on the thermocouple to open the valve on the main gas line (it also shows you have gas going to the furnace). Test Thermocouple You will need a volt- or multimeter to test the thermocouple. The voltmeter will come with two wires with clips on the end of them. One clip is red and the other one is black. A copper wire is used to send an electronic signal to the gas valve to tell it to open up when the tip on the thermocouple gets hot. Unscrew and remove the end of the wire going into the gas valve. Set the voltmeter to the DC mode. Place the red prong along the copper wire and put the black prong on the tip of the wire. You should get a reading of at least 26 millivolts on your voltmeter when the pilot light is applying heat to the thermocouple. If the reading is below 26 millivolts, you should replace the thermocouple. Replacing the Thermocouple Unscrew the bolt holding the thermocouple to the bracket and slide it out. Take the thermocouple with you to the hardware or furnace supply store to match it up against the other thermocouples to make sure you get an exact replacement part for your furnace. Screw the new thermocouple onto the bracket and screw the wire on the other end into the main gas valve. The gas valve should now open when the tip on the thermocouple gets...

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Learn How To Create A Great Booth To Use At A Trade Show When Selling A New Product

Posted by on 6:09 am in Uncategorized | Comments Off on Learn How To Create A Great Booth To Use At A Trade Show When Selling A New Product

If you have a new and interesting product that you want to start selling to the public right away, considering using trade shows as your selling forum. Trade shows allow you to have exposure to many people at one time and do not charge sellers too hefty of a fee to sell their items there. Before selling at a trade show, you need to have a great booth to use at the show to ensure that you can entice people to come and look at the product you are selling. There are booth designers who can help you create the perfect booth for the product that you are selling. The following guide walks you through a few things the designers can help you with. Make Your Booth Eye-Catching The first thing you will need to do is make your booth as eye-catching as it can possibly be. The designers will know how to make unique signs that can be seen from far away to ensure that every possible customer can know what you are selling in your booth. Great lighting and televisions showing the product being used can also be a great way to catch people’s attention and ensure no one leaves the show without knowing about your product. Demonstrate the Product in Real Time Take the time to do a live demonstration of the product being used so that people can see how easy it is to operate. There are times when infomercials can make things look easier to use than they really are and by demonstrating the product right in front of everyone, they will be able to see that it really is as easy to operate as you claim. Allow customers to touch and use the product, as well. Have Business Cards Readily Available Be sure to place business cards on your booth at multiple locations. There are some people who may not buy your product the day that they see it, but may reconsider their decisions and choose to buy it at a later date. When this happens, having a business card with all of your contact information will make it easier for them to find you and buy your product. Once your booth is created, you should be able to set it up and take it down quickly and easily when you go to the trade shows. You want to be sure that you show up to the location an hour or so before the event begins so that you can organize your inventory, arrange your booth, and talk to the other vendors. Don’t forget, everyone you meet, even other vendors, are potential customers so you should always be meeting and greeting everyone and letting them know about your great product. For more information about creating a great booth, visit websites like...

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Two Ways To Hide A Spare Key For Your Home

Posted by on 8:30 am in Uncategorized | Comments Off on Two Ways To Hide A Spare Key For Your Home

Getting locked out of the house is almost a rite of passage for homeowners. Unfortunately, it can be difficult to feel proud of this particular achievement when it’s three in the morning and you can’t get inside. While it’s a good idea to give a spare key to someone you trust, you can also hide an extra key in a fairly accessible place for times when your neighbor or loved one can’t get to you. Here are two ideas for securely hiding an extra key on your property. Under a Rock A common place to hide a key is literally under a rock. However, since this is a well-known hiding technique, you have to get a little creative when securing your extra key. One option is to purchase a fake rock designed to hide a spare key. These “rocks” are hollow inside and either pulls apart or feature a slide-away panel that lets you hide and access the key. Instead of placing the rock in an obvious place like the front yard, hide it somewhere others are unlikely to look, such as behind the shed. Alternatively, you can bury the key in the ground. Get an empty bottle with a lid, such as a pill bottle. Thoroughly clean it and a small rock. Place glue on the bottom of the rock and attach the pill cap. Place the key in the bottle, then screw on the top with the rock attached. Find an out-of-the-way place in your yard and bury the key. The pill bottle will protect the key from environmental elements while the attached rock will make it easier to pull the bottle out of the ground when you need it. Inside of a Wind Chime Sometimes the best hiding places are those in plain sight. Another way to hide a spare key is to hide it in a wind chime. Not only will it be easily accessible when you need it, but the wind chime will make a racket anytime someone touches it, which may discourage a burglar from looking in that place since he or she won’t want to draw attention. If the chimes are big enough, you can hide it inside one of the pipes. A different option is to place several keys on the chime with only one of them being active. This will make the keys look like a decoration, so a burglar may naturally dismiss them. However, even if a burglar thinks you may have hidden the real key in the chime, he or she will have to try all of them to find the right one. This will only increase the person’s risk of getting caught, and the individual may decide to try his or her luck elsewhere. For more ideas on places or ways to hide a spare key to your home or assistance with getting into your house if you’re locked out, contact a locksmith (such as one from Head’s Lock & Key Works...

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Tips To Make Managing An Apartment Complex Easier

Posted by on 3:49 am in Uncategorized | Comments Off on Tips To Make Managing An Apartment Complex Easier

As an apartment manager, it probably seems like you have an endless amount of jobs to complete each day. With everything from fielding tenant complaints to leasing apartments on your plate, you probably don’t have a minute to spare during the day. in fact, without proper organization and time management skills, your job can probably become very stressful quickly. It’s important that you do whatever you can to streamline your work process. Check out these tips to learn how to make your job easier. Complaint Protocol It’s important that your residents’ complaints are addressed quickly. After all, the complaints you get are complaints about people’s homes. Unfortunately, if you answered your own phone, there’s a good chance you’d spend the majority of the day putting out small fires all over your apartment community. Because you can’t always drop everything that you’re doing to tend to the problems of your residents, you should consider hiring an answering service. This way, when your residents have complaints, they can call the phone number that goes to your answering service. Your answering service can take a message for you, and then, you can check the messages several times per day. By handling resident complaints during specific blocks of time instead of handling them as they come in, you don’t have constant work interruptions and you’ll end up getting more work completed. Maintenance Plan The fact is, things are going to break and it’s your responsibility to make sure repairs are made. In order to do this efficiently, you need to have a maintenance plan in place. Your plan should include a specific process for your tenants to follow when they need to have something in their apartment repaired, as well as outline what type of repairs your on-site maintenance crew will handle and what type of repairs you’ll be outsourcing. Consider hiring an answering service to field maintenance calls. The employees from the answering service can also prioritize maintenance calls for you if you create a list the indicates which type of calls maintenance calls should be handled immediately. Make sure you advise your answering service on what to do if a tenant calls for emergency maintenance service, such as their heat not working or a leaking pipe. Know what your maintenance staff is capable of doing. You might have a great maintenance crew, but it isn’t likely that your staff knows how to handle every single problem that could occur. You should utilize your on-site maintenance staff as much as you possibly can, but that doesn’t mean that you shouldn’t outsource any jobs. Create an outsourcing list that includes the type of jobs that you want to outsource, as well as the name and contact information of the vendor that your apartment community will be using. Teach your maintenance supervisor how to prioritize maintenance tasks. The fact is, the more you can delegate small jobs, the less work you have to handle on your own. So, teach your maintenance supervisor how to prioritize maintenance requests like you would. Then, have your maintenance supervisor create a daily to-do list each day, and keep a copy in your office so that it’s easy for you to follow up on the maintenance tasks throughout the day. Ultimately, as an apartment manager, you have a lot of...

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Tips For Dealing With A Different Body After A Complete Mastectomy

Posted by on 2:14 pm in Uncategorized | Comments Off on Tips For Dealing With A Different Body After A Complete Mastectomy

As if fighting for your life against breast cancer is not enough of a blow, dealing with your new body after surgery for breast cancer can be just as tough and challenging. For some women, the change in how they look can be a tremendous stress, causing anxiety and low self-esteem that can lead to depression. Find out how you can help to improve your look with a mastectomy bra and prosthesis after a complete mastectomy for breast cancer. What Is A Breast Prosthesis? You may be surprised to know that many women wear special mastectomy bras ideal for supporting breast prosthetic forms. A breast prosthesis is a man-made form that is used to replace a missing breast or even parts of a breast after radical surgery for breast cancer. Breast prosthetic forms are made out of materials that allow the movement and feel of natural breast tissue, so you never have to worry about them appearing fake. Many women that have survived breast cancer find that wearing a mastectomy bra with prosthetic forms gives them the look they lost to cancer. Your physician can write you a prescription for breast prosthetic forms made just for you. Taking Time To Heal Is Important Before you can be fitted for a mastectomy bra and breast prosthetic, you will need to take the time to heal completely from your surgery. Visiting a specially trained fitter is always best for ensuring you get the bra and prosthetic that will conform to your body. Specially trained fitters also have the training necessary to assess whether you are ready for a mastectomy bra and artificial breast form. However, it is always best to discuss your time for fitting and your personal readiness for one with your doctor. Remember To Speak Up When you are being fitted for a mastectomy bra and artificial form, you will have the opportunity to decide if the ones you try on are to your satisfaction. If you are not happy with the results, be sure to tell your fitter and you can try something else. If you do not let the fitter know you are not happy, you will end up taking home the bra and prosthetic you do not like that much. Keep in mind the primary goal of you wearing a mastectomy bra and prosthetic is to increase your self-esteem and happiness with your new look. Your mastectomy bra does not have to be one that is boring and just white. Some manufacturers make mastectomy bras that are gorgeous with colorful lace and satin material. If you are recovering from breast surgery, know that you can get back to life and can do so looking great despite a mastectomy procedure. Contact a company like Dianne’s Mastectomy for more information....

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3 Carpet Cleaning Tips

Posted by on 11:35 am in Uncategorized | Comments Off on 3 Carpet Cleaning Tips

The look and cleanliness of your carpets rests primarily on you, the homeowner. Although you should be getting your carpets professionally cleaned regularly, you cannot get professionals to come to your house every time you have a spill on the carpet. Here are some things that you need to know about caring for your carpet when there is a stain or spill. 1. The Temperature Of The Water Plays An Important Role The temperature of water that you should use on the stain will depend on the nature of the stain. If you use the wrong temperature you could make the stain worse. For this reason, you should be clear about what temperature to use before you start. For example, if you have spilled milk you should use warm or hot water. This will help the milk soften enough to come off of the carpet. Conversely, if you have a bloodstain, warm or hot water will only make the stain worse. The heat will make the blood spread farther into the carpet. This is why you should only use cold water for bloodstains. Before you clean a stain, make sure you consult a professional about the temperature. 2. Always Blot A Stain With A Clean Towel Another important feature is blotting the stain instead of rubbing it. You should take a clean towel and use one part of the towel to push down on the stain for a couple seconds. Then pull the towel up and use a new side to do it again. It may take a few attempts at blotting to get the stain pulled up. Although you might think that it works better and faster to scrub the stain out, you could risk setting the stain farther into the carpet. This will cause the stain to get in the roots of the carpet and to spread. This is why you never scrub; always blot. 3. Use Upholstery Cleaner, Not Laundry Detergent Many people think that they can use laundry detergent to clean their carpet. The problem is that the material used for carpet and the materials used for clothing are very different. Using laundry detergent can stain the carpet, make it shrink, or cause a series of other problems. This is why you should avoid using laundry detergent and instead only use something that has been specifically designed for carpet or upholstery. By understanding how to care for your carpet you can keep it looking nice and clean. Contact a professional like Kelly Carpet Cleaning Ltd for more...

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