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Top Searches

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Do You Want to Be a Freelancer?

Listed here are some genuinely good tips and hints for you if you want to work at home as a self-employed person, or want to know what its all about. Ill also be including some Freelancing sites i roam around on! Being a freelancer is one of the coolest things Ive done so far online. Freelancing is a job you do on your own, sort of like running a business. You handle everything, and even make your own dockets and pay amounts. As a freelancer you provide services like web design, web development, marketing, optimizations etc and then people hire you and pay you for it. Most people are more than happy to pay you the price you ask for. Others would rather "make a deal." Money is money, especially when your doing this for a living, so if you absolutely have to make a deal, make sure its fair for you. After all they are offering to hire you on, but its your service. I do this as a freelancing/business and I absolutely love it!

Some of my favorite sites of all time are listed below, along with a few words about the sites or experience Ive had with them.

GetAFreelancer - This site is pretty nifty, its sort of like eBay, where you find people that need services and you make bids. If your the winner, then you go on to discuss the service further. Ive had one bad thing happen to me on this site and that was just the luck of the draw. Just one person out of thousands that happened to pick me as their target lol. But I have gotten many other jobs on here that started and ended well. Also the customer service is really nice and try to make you as happy as they can if you were unhappy with something on the site or someone you dealt with.

Craigslist - Of course everyone knows what craigslist is! You can find a whole bunch of different jobs on this site. But I do have to say, for those of you that do web design and development you have a better chance at getting a job, than any of u s other service providers. It seems like that's all i ever see on CL is those kinds of jobs. But still it doesn't look to hurt. Ive met a few really nice people on CL that are very honest and sincere.

Scriptlance - SL is another site like GetAFreelancer, except Ive never had one problem from any of the people on this site. They are all pretty legit. This is a site I highly recommend for anyone offering ANY service. Plus when you sign up you are given the chance to receive emails when NEW jobs are available. Its one email usually every 1-3 days and it includes anywhere from 10-25 jobs in categories you picked out. So if you picked web design, but not data entry, then you will only get web design projects that have been opened. You also receive other little options like if you bid on a job and it ends, you will receive an email from SL letting you know, and also letting you know if they picked anyone for that specific job. Ive gotten a few dozen jobs off this site, so again its highly recommended by me!

Forums - Forums are a spectacular place to look for jobs online, especially freelance jobs. A lot of sites have a service section where YOU can post the service you offer and include any prices, your website, experience etc. And people will either PM you or reply to the thread directly. pretty cool. I recommend checking out my favorite forum NamePros. Lots of nice people and a very legit forum. Of course there's some people on every site that are a little, can I say, shady? But that's anywhere in life, on or offline. Just choose wisely.

So those are the main places I use online when I'm trying to find people to offer my service to. I'm sure there's more as well, but again these are sites and techniques Ive found to be tried and true! Just try to be as honest with your service and offer a fair price. If person A offers the same service as you but their price is $10 cheaper you can bet hes going to get MORE customers. Its just the way it works! Unless of course you totally kick butt with your service, then you can charge more, but in the beginning this usually isn't how this works!

A National Health Plan Idea For the US

The idea behind a national health plan only makes sense if the most people are able to access it. This is not the case right now, and for the foreseeable future it does not look like that will change. Any new ideas affecting American's health system need to be implemented over many years in many stages. There is nothing that will fix it overnight, no matter what any political party tells you.

What if there was a major medical plan worth say $15 to $20 thousand and anything over and above that the government picked up? Think about that one for a bit. It's a radical approach that may have radical results. In this scenario hospitals would get guaranteed payment for providing treatment.

Right now most Americans are not getting the health care they need simple because the system is driven by profit motives. Hospitals have bottom lines, drug companies charge way more than they need to for drugs and health care insurance companies charge what the market will bear. This should not come as any surprise since these are all businesses needing to make a profit to stay in business.

The problem is there is a difference between charging what is reasonable and overcharging and thereby making the marketplace hostile to people with lower incomes and circumstances that mean they are unable to access affordable health care.

If there were a way to ensure payment for hospitals, doctors etc. then the cost of health care insurance would go down. This is not first dollar coverage, but catastrophic coverage. This approach of course would require some radical rethinking of how to apportion health care dollars, but it has the possibility of saving the system money in the long run.

While this idea in just that, an idea, it joins a long line of others that have merit and potential. We only need to realize that to change things from they way they are today, that we need innovative solutions rather than tired wanna be ideas that sound good but have no basis in fiscal reality.

Dental Insurances

Teeth are a very important of the human body. It is only with the help of teeth that we are able to chew food which is then used to provide energy to the body. Hence proper care should be taken of this body part. In the US, there are a number of companies offering dental insurance. Blue/Cross, Aetna, etc are some of the companies which offer a host of coverages. So it is not only important to know the company insuring your teeth but it is equally important to the plan under which your teeth are protected. Also, it is important for your dentist to know about this dental insurance coverage of yours. This helps the doctor in carrying out the treatment in such a way that it is most beneficial for you.

Deductibles and Co-Pays are not included in the insurance cover. So the insurance companies earn their profit from this point. They know that many people, fearing these co-pays and deductibles, will avoid taking treatments. So always go to a doctor whose rates are affordable.

Also, it is not advisable to put off using of your insurance cover till the end of the year. Because this is a very bad financial proposition for you. Most of the insurance programs work according to the Gregorian calendar. So 31st December is the last date of this insurance. And on this day, the insurance cover no longer exists. In the end, it only leads to waste of your money.

So if you want to make full use of your dental insurance cover, consult your dentist regarding this. Ask him to make a two year coverage plan for yourself which will last the entire duration of the insurance cover. This is a good tactic especially for the fall. Also, if you are regular guest at the dentist's, ensure that your insurance contract is renewed a few months before the expiry of the current one. This will help you in getting the continuous benefits of the insurance policy.

Also, it is very important to listen to your dentist. Always keep your ears open to what he is saying. Choose your insurance policy according to the recommendations made by the dentist.

Also, keep an eye on the terms and conditions imposed by the insurer. There are conditions like "Least expensive alternative treatment", etc which prevent the person from receiving any top-notch treatment. Thus, if you have to go for implants instead of a partial denture, it is possible that the brunt of treatment fee has to be paid by you since the treatment does not fall under the insurer's terms and conditions.

Also, if you have a missing tooth and are thinking of removing another bad tooth, make sure that you replace the first missing tooth before making the other invisible. This is because, in many insurance company clauses, two or more missing teeth force you to go for the cheapest treatment.

Thus, getting the proper dental insurance is in your hands and you have to make the right choice.

Vision Insurance Considerations

Like all medical related costs, vision costs have soared in the last decade, particularly in the last 5-years. Today, as the economy tightens many health care plans do not include optometry or vision care. Even prescription glasses or contacts can cost a bundle and on top of that you will be hit for the eye examinations that go along with them, these can cost a pretty penny these days. If you have a large family or you need your eyes to earn a living, you really cannot be without eye care or vision insurance.

Some company health care plans allow you to add vision insurance onto your policy even if your policy excludes it. If you are self-employed or your company or employment has no plan or plans available, then you may wish to consider a PPO or preferred provider policy. You might also think about joining an HMO or health maintenance organization. If you need to get laser eye surgery for any family member then having a PPO plan might save you a bundle as those surgeries are not cheap.

Of course, you will have to shop around as there are countless types of coverages and the prices vary quite a bit too. Some plans have monthly premiums and a membership fee, while some waive the sign-p fee. They generally come with deductibles, but not all. Having vision insurance could save you from catastrophe, as many eye conditions end up cost huge sums of money and can easily put the average family in debt or ruin their financial situation for years to come. So, please shop around and consider your options very carefully.

Factors That Decide the Cost of Senior Housing

If you are a senior and thinking about moving to a senior housing facility, you should know that there are many options available to you. However, there are certain factors that decide the cost of senior housing, so you should be very clear about what you want.

Factors that Decide the Cost of Senior Housing:

• Location plays an important part in deciding the cost of senior housing. Depending on where your housing is, it will be priced. Remember, senior housing can cost as much as other housing if the location is a prime one.

• If you are interested in living independently, you will be able to find one-bedroom apartment or a large single-family apartment in a retirement community. However, the cost will dependent on the size of the house.

• Based on the amenities and services the cost of senior housing is determined. While some senior housing have just a community recreation center, others have elaborate amenities like a golf course, health club and social activities. Obviously the senior housing with more amenities will cost more. In addition, you might have to pay extra for housekeeping, shopping, laundry, and ferrying you around.

• There are many senior housing facilities that provide assisted living. However, depending on how much you are willing to pay, you can either get the benefit of communal eating or help with daily activities like bathing, dressing, toileting, being transported when necessary and grooming.

• If you have a chronic illness, you should be looking for a senior housing facility that offers 24-hour trained healthcare professionals. However, this facility will make the housing quite expensive and only opt for it if you can afford it.