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Drug Addiction and Recovery Guide

Who Does Drug Addiction and Alcoholism Affect?

Alcoholism and drug addiction are quite common in today’s society. Some estimates have shown that over twenty percent of the United States population battles with some form of drug addiction, alcohol ism or substance abuse problem

Drug addiction and alcoholism bring only destruction, sorrow, and pain, it affects not only the addict, but also the people in his/her life. Hurting friends and family, drug addiction also permeates professional settings. Employees with drug addiction or alcohol dependency problems hurt businesses and create aggravating and possibly unsafe work environments.

Many untrue myths on the origins of drug addiction and alcoholism continue to circulate. Some attempt to pinpoint the social groups most affected. Others attempt to recognize drug addiction and alcoholism as an illness or a moral defect. These falsehoods perpetuate unnecessary confusion, fear, and shame. Drug addiction or alcoholism does not appear in any particular component of society. It affects every socio-economic class, ethnicity, and gender. There is no reason to label drug addicts with untrue stereotypes, and there is no need to fear them. At some point everyone struggles with life’s hurdles and needs help from others. Drug addicts and alcoholics are no different from anyone else. No one chooses drug addiction or alcoholism; rather, drug addiction and alcoholism steals from him/her.

How Can Drug Addiction and Alcohol Addiction Be Identified?

Drug addiction and alcohol addiction carry warning signs with them. Some of these are listed below:

* Red or dilated eyes

* Slurred speech

* Cold or sweaty hands

* Difficulties concentrating

* Moody, impatient, dangerous, and/or violent behavior

* Extreme periods of energy (e.g., constant talking) and/or fatigue

* Paranoia

* Sudden or decreasing disregard in personal appearance or hygiene

* Sudden change in friends

* Dishonesty

* Depression

Well over half of drug users work, and two out of five have taken an illicit drug at their work site. Unsurprisingly, almost half of work related accidents involve drug addiction or alcoholism. Substance abuse, drug addiction and alcoholism on the job manifests in many ways:

* Decreases the quality and/or speed of work.

* Constant absences and/or tardiness (especially right before a weekend or holiday break and right after payday): Researchers find that drugs cause over sixty percent of work absences.

* Often leaving work early

* Lengthening breaks

* Talking more on the phone

* Stealing company supplies and/or profits

How to Help a Drug Addict or Alcoholic?

Drug addiction and alcohol addiction are treatable. The question is ,why do so many recovering addicts return to the same behaviors? Posing a severe problem in and of itself, addiction rarely develops on its own. Drug addiction and substance abuse most often result from inadequate coping of conscious and unconscious issues. Problems stem from unresolved childhood traumas and personal issues. Dependency, denial merely enlarges the initial denial. Substance abusers require extensive patience, compassion, and sensitivity to treat and to heal. For this reason, addicts may need constant encouragement to pursue addiction treatment options and drug rehab.

Know the Signs of Drug Addiction and Alcohol Addiction

Know how to recognize drug addiction and alcohol addiction Identify warning signs. Become familiar with strategies for handling someone with a possible drug addition or alcohol addiction.

Speak with the Individual

This can be difficult. Fears of being wrong often deter people from approaching a possible addict. However, it is better to talk to a person and be wrong then to say nothing and allow a drug addiction or alcohol addiction to continue. Always broach the topic in an unthreatening manner.

Offer Guidance and Suggestions

While demonstrating concern is essential, it is important not to come on too strong. A substance-abuse situation is a delicate matter. While drug addiction may be apparent, all other issues, which contributed to the present condition, are not. Sobriety can never be achieved unless an addict takes charge of his/her own situation and decides to change his/her lifestyle.

Support and Compassion

Even if professionals delicately ask about a possible drug addiction, the addict may still refuse help. Substance abuse and its initial/current life problems create massive feelings of helplessness. They may not feel capable of stopping their drug addiction or alcohol addiction, and they might not trust others, even those that want to help. Nonetheless, with persistent patience and compassion, a professional can communicate his/her sincerity; and eventually, the addict may gain the necessary trust and courage for drug rehab or alcohol rehab.

Addiction Recovery in Alcohol Rehab and Drug Rehab

People suffering from drug addiction and alcohol addiction need both benefits of individualized care and drug rehab and alcohol rehab. Individualized addiction treatment is essential for enduring sobriety. While symptoms may be common, causes are never completely shared. Being an individual automatically implies that life is experienced uniquely. People require different addiction treatment therapies and time in a drug rehab or alcohol rehab to stabilize. Drug addiction and alcohol addiction attacks from all angles and progressively weakens a person into sequestered parts. Addiction treatment programs, drug rehab and alcohol rehab naturally reunites body, mind, and spirit into an enduring whole person again.

A drug rehab program or alcohol rehab program should offer a variety of specified addiction treatment. Incorporated with individual chemical dependency counseling, state-of-the-art methods of psychotherapy and hypnotherapy enable people to heal from anxiety and memories which often cause the self-medicating substance abuse. Family counseling repairs the relationships contributing to and brought on by addiction. Life purpose and spiritual counseling enable people to embrace their true identities and to move positively forward.

Rejuvenating all components of human life, comprehensive alcohol rehab and drug rehab offers further treatments including:

– Physical Training – Massage/Bodywork – Acupuncture – Nutritional Advisement – Yoga/Music/Arts Treatment – Image Therapy – Peaceful and Soothing Environment

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Drug Addiction Counselling – Treating Drug Addiction

Drug dependency has become a severe problem in most countries with millions addicted to substances such as heroin, methamphetamine, cocaine, alcohol and others. In recent years, staggering information regarding the amount of drug use and abuse prevalent in society has raised much awareness about the problem; yet treating drug addiction has not received the same amount of press.

Many people who know someone with a drug or alcohol problem believe that some time in a rehabilitation centre will make all their problems go away and that the person will be cured following treatment. This is not the case, as drug addiction is not caused by the drugs; the problem lies within the addict.

For years, any type of substance abuse problem has been labelled a moral failing – that the addict is weak, lacks self-will and is a bad person. In the present day, a greater number of people are beginning to see addiction as a disease – that addiction is terminal and incurable, but can be arrested, treated and abstinence maintained. The disease is obsessive and compulsive in nature, leading to addicts obsessively and compulsively seeking drugs and other substances or experiences which will aid them in avoiding unwanted feelings.

Why do addicts use drugs?

Addicts are usually incapable of processing and expressing their feelings in a healthy way. Inner conflict and an inability to deal with life and the feelings which accompany it are the motivation for addicts to use substances. Getting high helps addicts to avoid their feelings; whether happy, sad, depressed or ecstatic, addiction thrives on an inability to cope with feelings, driving addicts to use.

When an addict uses drugs and engages in obsessive and compulsive behaviour, they soon begin to lose all power over their actions. This is the point at which their using progresses to a level where nothing will stop them – losing family, their jobs, houses and self-respect mean nothing compared to the desperation of getting the next hit. Addicts usually recognise their using as a problem, yet are unable to stop using drugs, despite their best intentions. They are powerless over their disease and cannot stop using on their own, even though they have the desire to stop. It is at this point that many addicts seek help for their problem.

How is drug addiction treated?

Treating drug addiction has progressed from the way the problem was previously dealt with centuries ago. Exorcisms and imprisonment in state mental hospitals were the normal way of dealing with addicts before more was known about the disease. These days, drug addiction counselling is based on helping the addict deal with their underlying issues in a caring and supportive way and in a safe environment. Individual counselling as well as group therapy has proved to be the best method of treating drug addiction through the positive results yielded by the combination.

For addicts that have the privilege of being able to attend a treatment programme in a rehabilitation centre and/or receive drug addiction counselling, the prognosis of maintaining sobriety is positive. However, an addict can only live a life of recovery if they are willing to help themselves. If an addict does not want to stop using, no amount of therapy or time spent in a treatment centre will help them, unless they are motivated to stop and to invest their time and energy in helping themselves.

An important part of recovery from any addiction is a daily programme of recovery for the addict to follow. Addiction is incurable and if left untreated will prove to be fatal, yet with a recovery programme which the addict applies themselves to daily, an addict can stay clean and sober for the rest of their life, one day at a time. No matter how much therapy and counselling an addict may receive, life will still present problems and uncomfortable feelings. If an addict is unable to process these feelings in an appropriate manner, they will not be able to maintain abstinence. Because addiction is a disease, it will not simply “go away” – it can be arrested and managed, but this takes effort and willingness on behalf of the addict in question.

A daily reprieve from drugs

A daily programme of recovery that is very successful is a Twelve Step programme as used in Narcotics Anonymous and Alcoholics Anonymous. These programmes are based on the Twelve Steps of Alcoholics Anonymous which lead addicts through a process of admitting that they have a problem, establishing a belief in a power greater than themselves, dealing with life and feelings appropriately and helping other sufferers find recovery.

The programme includes suggestions such as meeting attendance (in which the Twelve Steps and programme are discussed), working with a sponsor (a more experienced member of the fellowship), reading programme literature, written work (exploring the Twelve Steps) and service to the fellowship and society.

Individuals suffering from the disease of addiction do not need to live a life of shame and self hatred anymore. Through counselling and adopting a programme to help maintain a healthy life, mentally and physically, an addict can live the rest of their lives clean from the use of drugs and alcohol. Recovery from drugs and alcohol takes effort and vigilance, but will allow addicts who have lost everything to begin to lead a normal and productive life again.

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7 Essential Principles For Growing Your Medical Coding & Billing Business in 2018

In the U.S., medical coding is the creation of medical codes that identify with specific diagnosis and services in the healthcare industry. These codes are identified through medical documentation. These codes are used to determine the details of billing, and the efficient use of coding leads to accurate billing. This finally results in the determination of insurance claims. A significant component, therefore of the medical coding and billing business is the efficiency of the medical claims billing service.

According to the Medical Billing Guide, “Medical records specialist earn a median pay of $35,900 per year, which isn’t bad for a profession that requires little education or training.”

Irrelevant to the industry, there are some business fundamentals that every entrepreneur takes into account. However, market research indicates factors that are specific to each industry. The medical billing and coding industry is one that comes with its specifications. As the healthcare industry is predicted to double over the next ten years, medical billing and coding businesses are poised for growth, while being relatively recession proof.

Medical codes are applied using CPT®, ICD-10-CM, and HCPCS Level II classification systems. Medical coders, therefore, need to be proficient in the application of these codes. The medical billing business, subsequently, pursues the claims determined through these codes for reimbursements from health insurance companies to the healthcare company.

A medical billing and coding process, therefore, offers end-to-end billing and management solutions to ensure that the healthcare provider gets paid to their maximum entitlement. The ultimate goal is to minimize insurance claims denials.

Below are seven principles that can aid towards powering your medical billing and coding business to transform into an industry leader.

Computer Assisted Coding (CAC) is Your Best Friend
Whatever the state of the economy, citizens will always need medical care. However, the affordability is subjective. To avoid any dependence, medical billing services need to be increasingly efficient in their execution. The most error-free mechanism towards achieving this end is deploying the relevant technology, i.e., CAC. With the ICD 10 transition and the introduction of a host of new codes, medical coders need assistance in ensuring error-free coding. There are ever-evolving technologies of artificial intelligence and data mining that go a long way in improving billing and management solutions, by predicting the possibility of insurance claims being denied, flagging faulty coding, and automating the coding process. Ultimately, CAC maximizes the amount that can be claimed by the healthcare provider, which is the key to retaining customers.

The use of CAC further reduces the amount of paperwork involved in the medical billing process. Technology has shifted the paradigm to automated coding, which limits the amount of manual execution and thereby minimizes the possibility of human error.

According to a report available through Research and Markets, “the global market for computer-assisted coding software is projected to reach $4.75 billion by 2022”. However, technology is not at a point where it can replace human coders. According to a recent report by Herzing University, “The U.S Department of Labor predicts that employment for health information technicians will grow by as much as 15 percent through 2024-much faster than average for most occupations.” This growth is significant of the ever-increasing need for innovative technology to be merged with the skill of medical coders and billers that will solidify the accuracy of medical billing claims services.

Further, according to the Capterra Medical Software blog, A Cleveland Clinic study found that CAC had a lower precision rate when used without the assistance of a credentialed coder. “It cannot be overemphasized that the use of computer-assisted coding alone does not replace certified coders. The software is limited and does not have the ability to apply guidelines or make decisions about code application and the circumstances of each admission. It does not have the ability to ‘choose’ a principal diagnosis or a principal procedure, and in many cases, does not have the ability to build ICD-10-PCS procedure codes.”

By Sandra L. Brewton (RHIT, CCS, CHCA, CPC, AHIMA-Approved ICD-10-CM/PCS Trainer)

In a nutshell, CAC will assist your business through:

Automated translation of clinical documents
Suggested codes for application
Flagged errors
Automated reviews for coders
Automated billing suggestions
Fewer errors for swift claim acceptance
Embrace Blockchain Technology
To put it simply, blockchain technology is an only once-written record of digital scenarios that can be shared between different entities for viewing only purposes. Within the healthcare industry, there is no doubt about the high level of interconnectedness between the healthcare providers, medical billing and coding companies and insurance claims companies. This is where the blockchain technology plays a crucial role.

According to a recent report of Forbes, “… it will be an evolutionary journey for blockchain-based healthcare systems or applications, where trust and governance within a blockchain network or consortium will be the critical success factors for implementation.” It further states, “The Hyperledger Foundation, an open-source global collaborative effort created to advance cross-industry blockchain technologies, is one great example among many developing small blockchain consortia models in the healthcare space.”

The main advantage of the blockchain technology is its ability for data exchange, without the fear of data being hampered across entities. This maintains the critical standardization and security protocol of medical data.

A recent example of the implementation of blockchain application is the development of a blockchain-based claims management solution with the collaboration of Gem Health and Capital One. This has considerably helped to reduce administrative costs and time wastage by providers and claims management companies.

Blockchain Technology can aid your business through:

Higher standards of security
Privacy protection
Systematic and efficient information exchange
Decreased hampering of medical data
Claim Management for Dental FQFC
How OSP Labs built an automated claim management system to manage dental health billing.
READ CASE STUDY

Systematize Your Collection Unit
As a hindrance to effective revenue management, a considerable amount of time is spent on making collections of frauds and defaulters. This adversely affects cash flow. When the collection is purely manual, the ever-increasing paperwork and human time consumption take a huge toll on company profits. This process can be streamlined through a dedicated and small-sized team that is equipped with the powerful and innovative technology to track and execute pending collections. Another strategy is to choose to pursue payments only when deemed necessary. This will reduce unnecessary time consumption. Well trained and skilled staff is an essential prerequisite to an efficient practice management service and for efficient tracking and recording. Finally, outsourcing bad debt recovery, litigations related to accounts, etc. will go a long way inefficient utilization of company resources.

Collections of overdue amounts are the least likely ones to be reimbursed. This is probably the best reason that your collection team needs to be organized and avoid bad debts as much as possible. An active billing team followed by a small, but skilled collection team should be the priority within the medical claims billing service.

“many ASCs fail to implement a system of tracking and trending for these denials, which is, in his opinion, the most common mistake ASCs make when it comes to their billing practices. Typically, one or two employees perform all functions, and they expect that single person to be an expert in all of them. This rarely works. We typically see that they will excel at some but fail at others; a Jack of all trades is a master of none.”

– Brice Voithofer, VP, AdvantEdge Healthcare Solutions

To ensure minimum collection hassles:

Keep the team small but skilled
Avoid pursuing long overdue bills
Implement a system to track the trend of denials
Distinguish between Appealed and Corrected Claims
This is the process that sets in when an initial claim to the payer is denied. Medical billers then appeal the claim or execute a corrected claim for reimbursement of the medical services. Every medical billing services company must be acutely aware of the difference between appealed and corrected claims since there are definitive and distinguished guidelines that set them both apart.

Claims that should be appealed are oftentimes sent as corrected claims and vice versa, which only further ensues denials. A corrected claim is submitted when the biller has identified that there was incorrect coding executed and rectifies it with the right pertaining code according to the CPT, ICD-9 and HCPCS codes initially billed. An appealed claim is one where the biller insists that the billed codes are accurate and provides the required evidence toward the same.

A skilled eye should make the distinction and then efficiently follow up with the corrected claim, if appropriate. In the case of an appealed claim, it is always wise to support the appeal with sufficient documentation that will minimize the possibility of denial.

“for a corrected claim, the appropriate changes should be made to the CPT, ICD-9 or HCPCS codes, and the bill type should be changed to reflect a corrected claim. Claim form 837 is typically used for corrected claims. If the bill type is not changed, it could be denied as a duplicate bill. The corrected claim should then be submitted electronically to ensure the quickest processing. However, for an appealed claim, you must supply documentation to support your appeal. Make sure to include the operative note, any relevant CCI edits, the invoice, official letter of appeal and a copy of the original claim. There are state-specific guidelines that can be used as well as payor-specific appeal processes.”

-By Dawn Waibel, DoP, Serbin Surgery Center Billing

Distinction between Appealed Vs. Corrected Claims ensures:

No further rejection of denial of payments
Speedy recovery of payments
Higher customer satisfaction
Undertake Medical Coding Certification
These certifications are an assurance of standard compliance within the healthcare industry. These certificates are recognized across the country (by employers, doctors, physicians, medical insurance companies, and government entities) and add credibility to your business. Furthermore, the employees of the business must also be selected based on their certifications as a medical coder.

According to the U.S. Bureau of Labor Statistics, “medical coding is one of the fastest growing professions in the nation.”

This profession requires skilled personnel to undertake the responsibility of medical billing and coding. The more proficient the coder, the less likelihood of coding errors and claim denials in the coding and billing process. Furthermore, Lisa Rock, president, and CEO of National Medical Billing Services says that the most common rejections are for invalid subscriber ID numbers; missing subscriber date of birth if different from the patient; invalid diagnosis code; and demographic errors, such as misspelled names.

There are several different types of certification within the medical billing and coding domain. They are as follows:

Professional Coder Certification – This certificate determines the proficiency of the individual in the application of codes correctly of CPT®, HCPCS Level II procedure and supply codes, and ICD-10-CM diagnosis codes, which are useful for medical claims in a physician’s office.
Outpatient Hospital/Facility Certification – This certificate confirms proficiency in the appropriate use of CPT®, HCPCS Level II procedure, and supply codes, and ICD-10-CM diagnosis codes in an outpatient hospital facility.
Inpatient Hospital/Facility Certification – This certificate confirms proficiency in the appropriate use of ICD-10-CM diagnosis codes in an inpatient hospital facility.
Risk Adjustment Certification – This certificate displays competence in the proper use of ICD-10-CM diagnosis codes towards risk adjustment in billing and coding.
Beyond the above, several individual certificates can be acquired, which displays proficiency in specific types of coding.

Medical Coding and Billing Certification offers:

Increased credibility
Higher efficiency in the application of codes
Better employee caliber
Reduced rejection of claims
Invest in Business Intelligence for Consistent Improvement
The ever-increasing innovation in technologies suited for medical billing and coding has now brought data mining into the limelight as one of the most efficient ways to improve billing and collection services within the healthcare industry. From predictive analysis to prescription analysis, data mining creates reports that can go a long way in aiding intelligent decision making and successful improvisations. Additionally, data mining offers automated, customized reports that can considerably reduce employee time and allow them to focus on more substantial areas of productivity. Finally, this is another way to minimize errors of coding and bill claims.

“MediGain’s proprietary medical billing solutions, which offers physician offices, ambulatory surgery centers and hospitals a powerful healthcare data intelligence and reporting software tool that delivers control over clinical and financial data. Specifically designed for physicians, healthcare administrators and billing professionals, our proprietary reporting process collects and aggregates data from all major practice management systems, electronic medical records and accounting software systems. The analysis is automated, eliminating the need for tedious and time-consuming manual analysis and reporting.”

-By MediGain

Data Mining can extend itself into the next billing and coding arenas:

Accounts
Payer Outcomes
Profitability
Patient Amounts
Payments Details
Demographics Analysis
Quality and Outcomes
Identifying Skilled Coders
A career in healthcare is complicated across the board. This holds true for medical coders as well. Even though the job does not involve working directly with patients, it comes with a requirement to understand complex codes that represent a varied medical diagnosis.

“Coding is like learning a foreign language. What makes it difficult is that there are three major coding systems and each of them is different. So, you are learning three foreign languages.”- says Professor Bonnie Moore, RHIT and HIT program coordinator at Rasmussen College.

The challenge is in transitioning the medical diagnosis and identifying it with the relevant quote.

According to Meredith Kroll, clinic coder at Ridgeview Medical Center, “At times it was harder than I thought, particularly the E/M coding,” Kroll says. But she emphasizes that the challenging parts of learning medical coding are vital to later success on the job.” This emphasizes the need for medical coding and billing companies to take their time and hire skilled employees who are well versed with the coding requirements. If at the initial stage the coding is done efficiently, a lot of issues can be avoided along the way, such as rejections and denials. Another strategy for success is to ensure that your medical coders are keeping up with the changes in the coding requirements and the changing codes in the healthcare industry.

An efficient medical coder can:

Increase business proficiency
Identify related codes accurately
Enhance revenue cycles
Reduce the likelihood of denials and rejected claims
Conclusion:
The medical coding and billing industry are targeted to grow at an unprecedented rate. To achieve and maintain your position as an industry leader, ensure to follow the below steps:

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The Three Top ADHD Medication Pitfalls and How to Avoid Them

One of the most effective management strategies for minimizing the challenges and symptoms of ADHD is medication. This might not be the most popular statement I have ever made, but research over and over again has shown that ADHD medications can “level the playing field” for adults with ADHD. Medications can be effective in helping adults with ADHD increase their focus on less interesting tasks, reduce impulsivity of actions and words and calm inner restlessness. I often hear clients describe the experience of being on the right medication as similar to having “the fog clearing”, “the water globe settling” or a “light switch being turned on”. They feel more focused, energetic, calm and productive. However, many adults never have the chance to experience the full benefits of ADHD medication due to three problem areas that I call “ADHD medication pitfalls”…taking the wrong medication, the wrong dose or taking medications at the wrong time.

“Medication Pitfall” #1

The first of these ADHD medication “pitfalls” is that many Adults with ADHD are not on the right medication. For good or bad, there is not a lot of variety in medications used to manage ADHD. In fact there are really only three. The good news is that with such limited options these medications have been studied over and over again for the past 50 years and we know the long term effects. The bad, is that there is a very limited choice of medications when it comes to treating the core ADHD symptoms.

ADHD medications can be divided into three categories: 1) Stimulants, 2) non-stimulants, and 3) “other”. Even though stimulants tend to be the most effective in decreasing the key symptoms of ADHD in adults, many people tend to avoid these due to real or feared side effects of the ADHD medication. Medications in this category include: Ritalin, Adderall, Dexedrine, Vyvanse, Concerta, etc. These medications are designed to “stimulate” the dopamine neurotransmitters of the brain; the key neurotransmitter that seems to be functioning ineffectively or in insufficient amounts in the brains of people challenged with ADHD. This category of medications is typically very effective in decreasing hyperactivity, distractibility and impulsivity.

The second category of ADHD medications is non-stimulants. These include such medications as; Strattera, Wellbutrin and Effexor. These typically increase the levels of norepinephrine and serotonin in the ADHD brain and can help increase the mood, energy and motivation of people with ADHD. The third category is what I call “others”. These include such medication as: klonopin, Tenex or Provigil. These ADHD Medications are typically prescribed to reduce ADHD symptoms such as impulsivity or to increase alertness (as in the case with Provigil). Each of these categories of medications works differently to help manage symptoms of ADHD.

“Medication Pitfall” #2

The second pitfall is not taking the right “dose”. The experience of ADHD is different for every adult and everyone’s experience of taking medications is a bit different. There are guidelines prescribers follow, but the dose that is right for you may not be right for someone else and vice versa. If you are on too low a dose of medication you will not get the full positive benefit of the medication. If you are on too high a dose, you may experience more negative side effects than you have to. The goal is to find just that right dose that balances the positive effects and minimizes negative side effects.

“Medication Pitfall” #3

The third pitfall is “wrong time”. You can be taking the right type of medication, at the right dose, but if you take it at the wrong time, you may not be experiencing the most benefit. Some medications work best taken when we wake to help get us started with the day. Some need to be taken multiple times a day at specific intervals to get their full consistent benefit. And finally, some medications, when taken at night, may help us sleep more soundly.

When you are trying to find the right ADHD medication for yourself, it is important to work with a prescriber who is knowledgeable about adult ADHD and ADHD medications. This may sound simple, but it’s not. You want your doctor to help you understand how the medications work, which ones might work best for you and support you in understanding your choices. Find out as much as you can for yourself about what choices are available and keep a consistent daily ADHD medication log or ADHD medication record to help you determine what medication works best, at what dose and at what intervals.

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Is Buying Business Insurance the New Texas Holdem Poker?

If you’re looking to buy Business Insurance you’ll have a certain level of power over a number of insurance brokers, insurance companies and insurance providers all wanting to do business with you.

With this in mind we’ll put you in the position of the dealer in our game of Business Insurance Poker so you can watch the game develop. Are you sitting comfortably? Then let’s begin:

If you already have Business Insurance we’ll give your existing insurance provider the dealer button as they really have the best seat at the table. They’ve already built some kind of relationship with you and they can sit back and wait to see what the competition does before they decide to act.

So next is the small blind. The small blind has an interest in your business as they’ve put in some of their own money in the hope they can win your business. You may have seen an advert for them, they may have sent you a letter or they may have called you to see if you’d like a quote for your Business Insurance.

Next is the big blind. The big blind when it comes to Business Insurance could well be an insurance provider you’ve heard of. They’ve spent a sizeable amount of money to get your attention (maybe a television advert or some promotion in the National press) and they aren’t likely to give up without a struggle. So those are the 3 insurance providers who definitely are interested in you and your Business Insurance:

– Dealer button – Your existing insurance provider

– Small blind – Maybe an insurance broker who would like to help you

– Big blind – Perhaps an insurance company who has a large marketing spend and has got your attention.

It’s possible that this is only a 3 player game but as is becoming more common with insurance brokers and insurance companies other parties enter the game. These other insurance providers generally fall into 2 categories:

1. They are likely to offer something (or have a hand) similar to either your existing insurance provider (who still has the button) or the small or big blind.

2. These new insurance providers will offer you something different. They get your attention as they have noticed an element of weakness with the other people at Business Insurance table and are planning on showing you how good they are. So how are they going to do this? Well more often than not they will raise and when it comes to Business Insurance this means they will give you more than the other people at the Business Insurance table.

Let’s play the Business Insurance Poker hand to explain in more detail:

1. Your existing insurance provider sends you your renewal terms but you decide to look around for alternative insurance quotes as it’s either more expensive than last year or you just want to see what else is available.

2. You receive a letter from an insurance broker who seems similar to your existing insurance broker but they save you a little on your insurance premium. It gets your attention but it is enough?

3. You are now contacted by a direct insurer. You know their name, you’ve seen their adverts and they knock even more off your renewal price. Sounds great yes? Well maybe but let’s see how the game develops.

4. Another player enters the game and makes a bet (or in this case makes you an offer). Their offer is different in that:

a. They specialise in the type of business insurance you are actually looking for

b. They appear to focus more on you and your business rather than on how good they are and how cheap they can get your premium

c. They quote you a very good premium but in addition to this offer you advice, guidance and tell you that if you do suffer a loss with them they will be there to help you. They don’t have call centres’, they don’t keep you waiting in queues. Instead they employ people who understand your business, understand your needs and are here to help you.

So with the bets (or business insurance quotes) all on the table it’s possible you may want to play one off against the others with bluffs, raises (or in this case reductions in premiums) until everyone has played their hand and you have to decide who to look after your insurance for another year.

Will you choose?

1. Your existing insurance provider – who gave you your renewal premium but only really started to play when under threat from other providers

2. Someone who offers you the same thing but saves you a little money

3. A company who saves you a little more money but doesn’t really stand out from crowd

4. An insurance broker who seems to understand what you need and will do whatever it takes to make sure you are satisfied

Insurance companies and insurance brokers need to pay attention as although insurance is still a very price sensitive business the reality is customers and people buying business insurance want more than a cheap premium.

They want cover tailored to their needs, they want an insurance provider who will work for them and with their interests at heart and they want someone to speak to when they need them most.

They don’t want to be held waiting in queues or even worse be keep waiting only to be cut off. They also don’t want to speak to someone they don’t understand or who doesn’t understand them.

Texas Holdem Poker is a great game but insurance for your business is a serious matter. Make sure you get the cover, service and insurance provider you deserve and don’t muck it up.

Is buying Business Insurance the new Texas Holdem Poker was brought to you by Mark Burdett, Marketing Manager of Northern Counties Insurance Brokers. As one of the UK’s Leading Insurance Brokers Northern Counties have been providing Business Insurance to companies since 1928 and specialise in Business Insurance, Motor Trade Insurance, Nursery Insurance and Care Home Insurance.

This article was written by Mark Burdett, Marketing Manager of Northern Counties Insurance Brokers. Mark has over 17 years Marketing experience in the Financial Services industry and has worked on campaigns for companies including Norwich Union, Kia and Zurich.

Now based in Newcastle upon Tyne Mark is Marketing Manager for one of the UK’s Leading Insurance Brokers – Northern Counties Insurance Brokers.

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Small Business Health Insurance – The Best Policy Is A Great Agent

I have been a health insurance broker for over a decade and every day I read more and more “horror” stories that are posted on the Internet regarding health insurance companies not paying claims, refusing to cover specific illnesses and physicians not getting reimbursed for medical services. Unfortunately, insurance companies are driven by profits, not people (albeit they need people to make profits). If the insurance company can find a legal reason not to pay a claim, chances are they will find it, and you the consumer will suffer. However, what most people fail to realize is that there are very few “loopholes” in an insurance policy that give the insurance company an unfair advantage over the consumer. In fact, insurance companies go to great lengths to detail the limitations of their coverage by giving the policy holders 10-days (a 10-day free look period) to review their policy. Unfortunately, most people put their insurance cards in their wallet and place their policy in a drawer or filing cabinet during their 10-day free look and it usually isn’t until they receive a “denial” letter from the insurance company that they take their policy out to really read through it.

The majority of people, who buy their own health insurance, rely heavily on the insurance agent selling the policy to explain the plan’s coverage and benefits. This being the case, many individuals who purchase their own health insurance plan can tell you very little about their plan, other than, what they pay in premiums and how much they have to pay to satisfy their deductible.

For many consumers, purchasing a health insurance policy on their own can be an enormous undertaking. Purchasing a health insurance policy is not like buying a car, in that, the buyer knows that the engine and transmission are standard, and that power windows are optional. A health insurance plan is much more ambiguous, and it is often very difficult for the consumer to determine what type of coverage is standard and what other benefits are optional. In my opinion, this is the primary reason that most policy holders don’t realize that they do not have coverage for a specific medical treatment until they receive a large bill from the hospital stating that “benefits were denied.”

Sure, we all complain about insurance companies, but we do know that they serve a “necessary evil.” And, even though purchasing health insurance may be a frustrating, daunting and time consuming task, there are certain things that you can do as a consumer to ensure that you are purchasing the type of health insurance coverage you really need at a fair price.

Dealing with small business owners and the self-employed market, I have come to the realization that it is extremely difficult for people to distinguish between the type of health insurance coverage that they “want” and the benefits they really “need.” Recently, I have read various comments on different Blogs advocating health plans that offer 100% coverage (no deductible and no-coinsurance) and, although I agree that those types of plans have a great “curb appeal,” I can tell you from personal experience that these plans are not for everyone. Do 100% health plans offer the policy holder greater peace of mind? Probably. But is a 100% health insurance plan something that most consumers really need? Probably not! In my professional opinion, when you purchase a health insurance plan, you must achieve a balance between four important variables; wants, needs, risk and price. Just like you would do if you were purchasing options for a new car, you have to weigh all these variables before you spend your money. If you are healthy, take no medications and rarely go to the doctor, do you really need a 100% plan with a $5 co-payment for prescription drugs if it costs you $300 dollars more a month?

Is it worth $200 more a month to have a $250 deductible and a $20 brand name/$10 generic Rx co-pay versus an 80/20 plan with a $2,500 deductible that also offers a $20 brand name/$10generic co-pay after you pay a once a year $100 Rx deductible? Wouldn’t the 80/20 plan still offer you adequate coverage? Don’t you think it would be better to put that extra $200 ($2,400 per year) in your bank account, just in case you may have to pay your $2,500 deductible or buy a $12 Amoxicillin prescription? Isn’t it wiser to keep your hard-earned money rather than pay higher premiums to an insurance company?

Yes, there are many ways you can keep more of the money that you would normally give to an insurance company in the form of higher monthly premiums. For example, the federal government encourages consumers to purchase H.S.A. (Health Savings Account) qualified H.D.H.P.’s (High Deductible Health Plans) so they have more control over how their health care dollars are spent. Consumers who purchase an HSA Qualified H.D.H.P. can put extra money aside each year in an interest bearing account so they can use that money to pay for out-of-pocket medical expenses. Even procedures that are not normally covered by insurance companies, like Lasik eye surgery, orthodontics, and alternative medicines become 100% tax deductible. If there are no claims that year the money that was deposited into the tax deferred H.S.A can be rolled over to the next year earning an even higher rate of interest. If there are no significant claims for several years (as is often the case) the insured ends up building a sizeable account that enjoys similar tax benefits as a traditional I.R.A. Most H.S.A. administrators now offer thousands of no load mutual funds to transfer your H.S.A. funds into so you can potentially earn an even higher rate of interest.

In my experience, I believe that individuals who purchase their health plan based on wants rather than needs feel the most defrauded or “ripped-off” by their insurance company and/or insurance agent. In fact, I hear almost identical comments from almost every business owner that I speak to. Comments, such as, “I have to run my business, I don’t have time to be sick! “I think I have gone to the doctor 2 times in the last 5 years” and “My insurance company keeps raising my rates and I don’t even use my insurance!” As a business owner myself, I can understand their frustration. So, is there a simple formula that everyone can follow to make health insurance buying easier? Yes! Become an INFORMED consumer.

Every time I contact a prospective client or call one of my client referrals, I ask a handful of specific questions that directly relate to the policy that particular individual currently has in their filing cabinet or dresser drawer. You know the policy that they bought to protect them from having to file bankruptcy due to medical debt. That policy they purchased to cover that $500,000 life-saving organ transplant or those 40 chemotherapy treatments that they may have to undergo if they are diagnosed with cancer.

So what do you think happens almost 100% of the time when I ask these individuals “BASIC” questions about their health insurance policy? They do not know the answers! The following is a list of 10 questions that I frequently ask a prospective health insurance client. Let’s see how many YOU can answer without looking at your policy.

1. What Insurance Company are you insured with and what is the name of your health insurance plan? (e.g. Blue Cross Blue Shield-“Basic Blue”)

2. What is your calendar year deductible and would you have to pay a separate deductible for each family member if everyone in your family became ill at the same time? (e.g. The majority of health plans have a per person yearly deductible, for example, $250, $500, $1,000, or $2,500. However, some plans will only require you to pay a 2 person maximum deductible each year, even if everyone in your family needed extensive medical care.)

3. What is your coinsurance percentage and what dollar amount (stop loss) it is based on? (e.g. A good plan with 80/20 coverage means you pay 20% of some dollar amount. This dollar amount is also known as a stop loss and can vary based on the type of policy you purchase. Stop losses can be as little as $5,000 or $10,000 or as much as $20,000 or there are some policies on the market that have NO stop loss dollar amount.)

4. What is your maximum out of pocket expense per year? (e.g. All deductibles plus all coinsurance percentages plus all applicable access fees or other fees)

5. What is the Lifetime maximum benefit the insurance company will pay if you become seriously ill and does your plan have any “per illness” maximums or caps? (e.g. Some plans may have a $5 million lifetime maximum, but may have a maximum benefit cap of $100,000 per illness. This means that you would have to develop many separate and unrelated life-threatening illnesses costing $100,000 or less to qualify for $5 million of lifetime coverage.)

6. Is your plan a schedule plan, in that it only pays a certain amount for a specific list of procedures? (e.g., Mega Life & Health & Midwest National Life, endorsed by the National Association of the Self-Employed, N.A.S.E. is known for endorsing schedule plans) 7. Does your plan have doctor co-pays and are you limited to a certain number of doctor co-pay visits per year? (e.g. Many plans have a limit of how many times you go to the doctor per year for a co-pay and, quite often the limit is 2-4 visits.)

8. Does your plan offer prescription drug coverage and if it does, do you pay a co-pay for your prescriptions or do you have to meet a separate drug deductible before you receive any benefits and/or do you just have a discount prescription card only? (e.g. Some plans offer you prescription benefits right away, other plans require that you pay a separate drug deductible before you can receive prescription medication for a co-pay. Today, many plans offer no co-pay options and only provide you with a discount prescription card that gives you a 10-20% discount on all prescription medications).

9. Does your plan have any reduction in benefits for organ transplants and if so, what is the maximum your plan will pay if you need an organ transplant? (e.g. Some plans only pay a $100,000 maximum benefit for organ transplants for a procedure that actually costs $350-$500K and this $100,000 maximum may also include reimbursement for expensive anti-rejection medications that must be taken after a transplant. If this is the case, you will often have to pay for all anti-rejection medications out of pocket).

10. Do you have to pay a separate deductible or “access fee” for each hospital admission or for each emergency room visit? (e.g. Some plans, like the Assurant Health’s “CoreMed” plan have a separate $750 hospital admission fee that you pay for the first 3 days you are in the hospital. This fee is in addition to your plan deductible. Also, many plans have benefit “caps” or “access fees” for out-patient services, such as, physical therapy, speech therapy, chemotherapy, radiation therapy, etc. Benefit “caps” could be as little as $500 for each out-patient treatment, leaving you a bill for the remaining balance. Access fees are additional fees that you pay per treatment. For example, for each outpatient chemotherapy treatment, you may be required to pay a $250 “access fee” per treatment. So for 40 chemotherapy treatments, you would have to pay 40 x $250 = $10,000. Again, these fees would be charged in addition to your plan deductible).

Now that you’ve read through the list of questions that I ask a prospective health insurance client, ask yourself how many questions you were able to answer. If you couldn’t answer all ten questions don’t be discouraged. That doesn’t mean that you are not a smart consumer. It may just mean that you dealt with a “bad” insurance agent. So how could you tell if you dealt with a “bad” insurance agent? Because a “great” insurance agent would have taken the time to help you really understand your insurance benefits. A “great” agent spends time asking YOU questions so s/he can understand your insurance needs. A “great” agent recommends health plans based on all four variables; wants, needs, risk and price. A “great” agent gives you enough information to weigh all of your options so you can make an informed purchasing decision. And lastly, a “great” agent looks out for YOUR best interest and NOT the best interest of the insurance company.

So how do you know if you have a “great” agent? Easy, if you were able to answer all 10 questions without looking at your health insurance policy, you have a “great” agent. If you were able to answer the majority of questions, you may have a “good” agent. However, if you were only able to answer a few questions, chances are you have a “bad” agent. Insurance agents are no different than any other professional. There are some insurance agents that really care about the clients they work with, and there are other agents that avoid answering questions and duck client phone calls when a message is left about unpaid claims or skyrocketing health insurance rates.

Remember, your health insurance purchase is just as important as purchasing a house or a car, if not more important. So don’t be afraid to ask your insurance agent a lot of questions to make sure that you understand what your health plan does and does not cover. If you don’t feel comfortable with the type of coverage that your agent suggests or if you think the price is too high, ask your agent if s/he can select a comparable plan so you can make a side by side comparison before you purchase. And, most importantly, read all of the “fine print” in your health plan brochure and when you receive your policy, take the time to read through your policy during your 10-day free look period.

If you can’t understand something, or aren’t quite sure what the asterisk (*) next to the benefit description really means in terms of your coverage, call your agent or contact the insurance company to ask for further clarification.

Furthermore, take the time to perform your own due diligence. For example, if you research MEGA Life and Health or the Midwest National Life insurance company, endorsed by the National Association for the Self Employed (NASE), you will find that there have been 14 class action lawsuits brought against these companies since 1995. So ask yourself, “Is this a company that I would trust to pay my health insurance claims?

Additionally, find out if your agent is a “captive” agent or an insurance “broker.” “Captive” agents can only offer ONE insurance company’s products.” Independent” agents or insurance “brokers” can offer you a variety of different insurance plans from many different insurance companies. A “captive” agent may recommend a health plan that doesn’t exactly meet your needs because that is the only plan s/he can sell. An “independent” agent or insurance “broker” can usually offer you a variety of different insurance products from many quality carriers and can often customize a plan to meet your specific insurance needs and budget.

Over the years, I have developed strong, trusting relationships with my clients because of my insurance expertise and the level of personal service that I provide. This is one of the primary reasons that I do not recommend buying health insurance on the Internet. In my opinion, there are too many variables that Internet insurance buyers do not often take into consideration. I am a firm believer that a health insurance purchase requires the level of expertise and personal attention that only an insurance professional can provide. And, since it does not cost a penny more to purchase your health insurance through an agent or broker, my advice would be to use eBay and Amazon for your less important purchases and to use a knowledgeable, ethical and reputable independent agent or broker for one of the most important purchases you will ever make….your health insurance policy.

Lastly, if you have any concerns about an insurance company, contact your state’s Department of Insurance BEFORE you buy your policy. Your state’s Department of Insurance can tell you if the insurance company is registered in your state and can also tell you if there have been any complaints against that company that have been filed by policy holders. If you suspect that your agent is trying to sell you a fraudulent insurance policy, (e.g. you have to become a member of a union to qualify for coverage) or isn’t being honest with you, your state’s Department of Insurance can also check to see if your agent is licensed and whether or not there has ever been any disciplinary action previously taken against that agent.

In closing, I hope I have given you enough information so you can become an INFORMED insurance consumer. However, I remain convinced that the following words of wisdom still go along way: “If it sounds too good to be true, it probably is!” and “If you only buy on price, you get what you pay for!”

C. Steven Tucker, is the President of Small Business Insurance Services, Inc. and has been a Licensed Mult-State Insurance Broker serving the small business and self-employed market for over a decade. Mr. Tucker believes an informed insurance consumer makes the best health insurance purchasing decisions. Mr. Tucker has written several articles that focus on small business health insurance, which can be read on a number of web sites.

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Choosing Domain Names for Your Business

Let’s say that you’re creating a website for Barb’s Specialty Pet Products. Should the domain name be barbsspecialtypetproducts.com?

Perhaps — but don’t stop there. Having the right domain name, or domain names, can bring more traffic to your site.

Why more than one domain name?

One domain is all you need to set up a website. But with more domains directing to your site, you can have these additional benefits:

– Bring site visitors who type variations of your domain name

– Acquire traffic that might otherwise go to your competition

– Harness the marketing power of keyword domains

Your primary domain name

If it’s feasible, use your business or brand name in your primary domain. People will remember it and associate it with your business. Also consider the following factors when choosing your primary domain.

Domain name extensions

Should your primary domain end with .com, .net, or .biz, or with a country-specific extension such as .ca or .co.uk?

If your website is aimed at people in a specific country, having a country-specific domain can help:

– Site visitors will recognize right away that the business has a presence in the country of the extension. They may therefore be more comfortable buying from you.

– Some country-specific search results include sites with the relevant country-specific domain extension even if the site isn’t hosted in that country.

On the other hand, if you’re targeting an international audience, a country-specific domain could work against you. People from outside the country of the extension may be less inclined to buy if the business looks foreign to them.

If you want to attract both people within your country and those in other countries, have both. Each domain could direct to the same site, with each audience seeing the domain intended for them. For country-specific search results, the primary domain should be the country-specific one.

Chances are that the .com domain you want is already taken. If you use the .net or .biz version, you risk having potential site visitors go to your .com competition instead. Be sure to use the full domain name on all promotional material to reduce this risk.

Domain name length

A short domain is easier to remember, it has less risk of being mistyped, and it’ll fit easily on your business cards and correspondence.

Conversely, if a short name doesn’t represent your business, it’s more difficult for people to remember. The short names you like may already be taken anyway.

If your business name is up to three easy-to-spell words, it’ll probably work as a domain name. For a longer business name, the initials or just one or two words may be easier than remembering a combination of words.

Secondary domain names

Secondary domains directing to your site are for online use:

– For people who type your primary domain name incorrectly

– For people who search for your products or services online

Typing and spelling variations

How many ways can people spell and type your business name?

barbsspecialtypetproducts.com

barbs-specialty-pet-products.com

barbspecialtypetproducts.com

barbsspecialitypetproducts.com

barbsspecialitypetproducts.com

barbspecialtyproducts.com

barbspecialtyproduct.com

Hyphens aren’t recommended for your primary domain. When people tell others about your site, they’re likely to omit the hyphens. They may also forget to type them.

For secondary domains, hyphens make long domains easier to read. Each word stands out when people see your domain. However, domains such as buy-keyword-product-now.com make some people view hyphenated domains, especially those with more than one hyphen, as spam-like.

Having the words in domains separated may help some search engines recognize keywords. With Google, though, hyphens don’t make any difference.

Consider all of these variations for secondary domain names:

– With and without hyphens

– Different ways of spelling some words

– Singular and plural versions of nouns

– Extensions with .com and .net as well as a country-specific extension if relevant

What people search for

If you want to find the website for Time magazine, you might do a search for it, or you might try typing in time.com. If you do the latter, you’ll find yourself at the Time site.

This type of search behavior extends to generic words too. Searching for dog collars? Try dogcollar.com, for example, and you’ll be redirected to dogidcollar.com. Do you want life insurance? Lifeinsurance.com redirects to nmfn.com (and so does northwesternmutualfinancialnetwork.com).

While having keyword domain names may not draw a lot of site visitors, using them is a technique to consider.

How to use more than one domain

Set up your website with your primary domain, and use that domain on your correspondence and with your customers.

Point secondary domains to your site using URL forwarding (also called domain forwarding, domain redirect, or URL redirect). To have the secondary domain appear in the browser, use domain masking. You can set up these features when you log in to your account with your domain registrar (if your registrar offers these services).

With domains that are simply variations of your primary domain, you can expect additional traffic just from having set up these domains. With domains that contain keywords, you can get more from them by using them to list your site in online directories. When these domains appear in search results, searchers will see the keywords.

The next step

Once you decide on the available domains that you want, register them immediately. They might not be available tomorrow.

If you don’t already have a business name, you’ll find it easier to market your business online if you choose a primary domain and a business name together. If your first choice for a business name doesn’t work well with any available domains, consider a business name that you can easily market with an available domain. Once you’ve registered that domain name and your business name, register secondary domains and put them to use.

Is it worth registering multiple domains for one site? That depends on your site, but any variations that you don’t register will be available for competitors to register and use. If a domain is valuable to a competitor, it’s valuable to you.

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The Domain Name Gold Rush

All the good ones are taken. The really good ones, that is. But they don’t always stay taken.

Domain names often come back onto the market. Even before they do, domain name prospectors are sifting through them to find the gold domains among them.

Why domain names become available again

Thousands of domain names expire every day. Other domains are offered for sale. The reasons are varied:

Carelessness

The webmaster forgets to renew the domain by the expiry date.

The email address that the domain is registered with becomes invalid, and the domain name registrant doesn’t receive the renewal notices.

– Lack of need or funds

– The company that had registered the domain goes out of business.

– The website owner loses interest in or doesn’t have time for the website.

– The website owner doesn’t have funding to continue the website venture.

– The domain name registrant registered numerous domains on speculation and couldn’t afford to continue renewing unused domains.

Profit

– The domain name registrant may realize how much a domain is worth and decide to sell it.

– The domain name registrant may have registered the domain because of its potential worth, with the aim of selling it later.

What makes a previously registered domain name valuable?

In July 2005, the domain name website.com sold for $750,000, the highest-valued domain name sale this year. Why would anyone pay so much for a domain when they could register a new domain for under $10?

– Instant traffic

If the domain name previously pointed to a website, search engines have already indexed that domain name. Other websites probably still have links to that domain. If the domain is listed in directories, these links bring in even more traffic. You register the domain, and the work getting incoming links has already been done for you.

– Surf value

Sometimes web surfers search by typing generic words followed by dot com (or other extensions) into their browsers, for example, dogs.com. This particular domain name redirects to the website for a company that sells pet products and services. A domain name like this constantly brings visitors to the website without the cost and effort of advertising and marketing.

– Easy to remember

Your company name may not be memorable, but domains such as dogs.com and website.com are. People are more likely to return to a site or pass on the name to their friends when they can easily remember it.

How to find domains pending expiration

You decide to join the gold rush for valuable pre-registered domains. Finding expiring domains is the first step, but you also need to research domains that are about to come back on the market.

Lists of domains pending expiration

At these websites, among others, you can search for domains containing keywords you enter. At expireddomains.com, the results contain domains that are currently available, soon to expire, on hold, in the Redemption Grace Period (RGP), or for sale by their registrants. Extensions searched: .com, .net, and .org.

The domainsbot.com database searches .com, .net, .org, .info, and .biz extensions for domains that are available, for sale, or expiring.

Domain research

You can find some (but not all) incoming links to a domain by entering “link:siteURL” (replace “siteURL” with the domain name) into Google or Yahoo. When you find the links, follow them to see what types of sites link to the domain. How would you feel about having these particular sites linking to your site?

Also look into any possible problems associated with the domain. Search engines may have banned the domain if the previous site had controversial search engine optimization techniques employed, such as the use of hidden text or links. Check the history of the site at a domain name via the WayBack Machine. If the domain previously pointed to a site with gambling or adult content or a lot of affiliate links, or if it employed questionable search engine optimization techniques, search engines may have banned the domain. Aside from the possibility of a domain being banned, you may not want incoming links from sites associated with these types of content.

How to register domains pending deletion

You’ve decided on a domain that you want. How do you maximize your chances on getting it?

At eNom.com’s Club Drop, you can bid on expiring .com and .net domains the day before they’re available to the public. You can also be notified when domains matching your search criteria become available.

The NameWinner system places bids on .com, .net, .org, and .info domains for you. It bids only as high as is necessary to maintain your high bid position up to your maximum bid.

How to profit from your domains

– Selling domains

If you have a domain that may be valuable and that you aren’t using, consider selling it at a domain auction. If you already have a buyer for a domain, you can transfer it securely through Escrow.com.

– Paid parking for domains

With paid domain parking programs, also called “domain monetization” or “monetize domains,” you can earn pay-per-click revenue via targeted advertisements. These sites offer domain monetization services:

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Better Intimacy, Better Sex

Sentiments can be tricky or overpowering, so understanding what you feel isn’t in every case simple. At the point when you comprehend your own considerations, emotions, and responses will improve your connections, since understanding yourself makes it simpler to speak with others. Try to comprehend what you feel, its amount is identified with the current second, recent developments, your actual state, and what amount is identified with your own set of experiences. Thinking often about what you feel and find out about it really makes you more merciful, sympathetic, and minding toward others. Mindfulness and comprehension of your own sentiments likewise implies you’ll be substantially more astute about others’ emotions that is, you’ll have the insight of your own emotions to help you figure out when others’ emotions are genuine or misleading.

In case you’re vexed, confounded or feeling genuinely overpowered, realizing how to figure out your emotions can help you sort out what’s happening inside and assist you with getting what you need a lot.

Notice your sentiments. Is it accurate to say that you are on edge, tense, or stressed over something? Is it true that you are quiet? Zero in on your breathing and feel the body vibes that go with it-the cool air coming in, the cadence of your lungs growing and flattening. In the event that you focus on your relaxing for a brief period, it causes you be more mindful of your sentiments. Is it true that you are responding sincerely to your environmental factors? In the event that it’s boisterous, would you say you are irritated? On the off chance that it’s excessively tranquil, would you say you are uncomfortable? In case you’re warm and comfortable, do you feel serene and mitigated? It’s normally simpler to feel emotions on the off chance that you give them a brief period to ascend to the surface and in case you’re in a spot where you won’t be upset, yet they are traveling through you each snapshot of consistently. At the point when you set aside the effort to see them, you can regularly utilize that data to help you handle circumstances shrewdly.

If you understand it, there is a great deal of babble going on in your brain. Right now, you might be contending or concurring with what you’re perusing, or remarking on whether you think this is useful, or scrutinizing or agonizing over whether you’re doing it accurately. Pieces of melodies, film or TV exchange, or discussions from different occasions and places might be running by like a foundation soundtrack. Sit and tune in for a couple of seconds, and attempt to distinguish each imagined that passes by. With a little practice, you’ll become mindful of a “soundtrack” made out of recollections, considerations, reactions, foundation commotion, TV, music, films, the news, and different clamors you’ve recorded in the course of your life.

In the event that you practice this consciousness of your inward considerations and emotions, you’ll before long have the option to rapidly figure out what’s new with you, and, on the off chance that you do it more than once more than a few days, you’ll see that your self-information develops quickly. Following half a month, you’ll be substantially more mindful of your own body, your emotions, and your musings. When mindful, you get an opportunity to oversee or potentially transform them to be more powerful for you. Precise consciousness of your musings, sentiments, and activities is the way to comprehension and conveying them.

Being interested about your feelings and musings will lead you to comprehension and to clarifications of things that, as of recently, have been bewildering. What’s under your downturn, your tension, your indiscreet practices, your wild feelings? Getting keen on your opinion and feel, as you would be in what is new with your companion, your mate, or your kids will assist you with improving your relationship with yourself and with others.

Your own feelings mention to you what others’ sentiments are. We can detect how somebody feels without being told. By contrasting what our different faculties inform us regarding others (grins, grimaces, pressure, “thorny vibes,” loosened up breathing, and an unbelievable sort of information we call compassion) with what we think about our own internal sentiments, we reach inferences about the thing others are feeling. Without being told, we know when somebody is irate, when somebody has solid good or negative emotions toward us, and when we are adored. Understanding gives us something to convey.

Here’s the way to open up correspondence with someone else:

  1. Try not to talk, tune in. A few people are less verbal than others, and when we get anxious, we verbal ones will in general talk constantly. Oppose the drive to assume control over the discussion, and give the other individual opportunity to talk.
  2. Try not to be stressed over a little quietness: give the other individual a possibility fill it.
  3. When you do talk, end your (brief) story with an inquiry: “What do you think? or on the other hand Was it like that for you?” That welcomes the other individual to reply.
  4. Deal with the discussion like a tennis coordinate: say something, at that point allow the other individual to react… take as much time as is needed.
  5. No grumbling remember your good fortune, and express sure things. Everybody reacts better to that.

© 2019Tina B. Tessina adjusted from It Ends With You: Grow Up and Out of Dysfunction: http://tinyurl.com/z6xafbv

Creator Bio: Tina B. Tessina, Ph.D. (www.tinatessina.com) is an authorized psychotherapist in S. California since 1978 with more than 40 years’ involvement with advising people and couples and writer of 15 books in 17 dialects, including Dr. Sentiment’s Guide to Finding Love Today; It Ends With You: Grow Up and Out of Dysfunction; The Ten Smartest Decisions a Woman Can Make After Forty; Love Styles: How to Celebrate Your Differences, The Real thirteenth Step, How to Be Happy Partners: Working it Out Together and How to Be a Couple and Still Be Free. She composes the “Dr. Sentiment” blog (drromance.typepad.com), and the “Bliss Tips from Tina” email bulletin. On the web, she’s known as “Dr. Sentiment” and offers courses at GenerousMarriage.com. Dr. Tessina shows up much of the time on radio, TV, video and digital recordings. She tweets @tinatessina

Article Source: http://EzineArticles.com/10305268

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WordPress – Choosing Which to Use

WordPress is an easy to use blogging software, and has quickly become one of the most widely used blogging formats out there. You have a choice whether to set up your blog through WordPress.com or WordPress.org. Below is a guide to choosing the right WordPress software for your small business needs.

WordPress.com pros
WordPress.com offers a fast and easy way to set up your blog. It is a free multi-user source to sign up and publish your blog immediately. You are given a selected number of themes from which to choose.

WordPress.com is backed up and managed by WordPress, thus you don’t have to worry about backing up your posts. Your blog is hosted on hundreds of servers, so you never have to worry about it going down. You also don’t need to worry about spam, setup, upgrades, or security because it is all taken care of for you.

WordPress.com cons
You are not able to upload your own themes and pug-ins. In addition, WordPress.com will not allow you to post Google AdSense ads or affiliate links. However, WordPress may on occasion show Google text ads on your site.

WordPress.com does offer a VIP program that allows you to run custom themes, custom PHP code, and plug-ins. This is offered to blogs with high traffic and that are high profile.

WordPress.org pros
WordPress.org allows you to install any of the plug-ins and themes available. You have complete control over the way your site looks and will not be viewed as another run of the mill site. Also, WordPress plug-ins expands the functionality of your site.

WordPress.org cons
You need a hosting provider that allows you to use MySQL databases and FTP access. Typically a host provider will cost you less than $7 a month. You can find these services at GoDaddy.com or Bluehost.com.

WordPress.org requires a significant amount of technical knowledge to set up and run. You are also responsibly for backing up your content, handling spam issues, and issues with down sites due to high traffic. Essentially, it places full responsibility on your as the blogger.

Choosing between the two
Your best bet is to start at WordPress.com to learn the Dashboard and how WordPress works. The start up is free and you can then decide if you want to blog or host your own website. Once you understand how WordPress works, you can export your content to your self-hosted WordPress site.

If you want your blog to appear more professional, WordPress.com offers you upgrades for a low cost that allow you to host a domain through them. So, instead of your website appearing as abc.WordPress.com, it will appear as abc.com.

Though WordPress.org has limitation on support, they offer a great forum filled with useful information to help you keep your site running smoothly. You also have options for plug-ins that allow emailing newsletters and other information to your client base.

WordPress.com pros
WordPress.com offers a fast and easy way to set up your blog. It is a free multi-user source to sign up and publish your blog immediately. You are given a selected number of themes from which to choose.

WordPress.com is backed up and managed by WordPress, thus you don’t have to worry about backing up your posts. Your blog is hosted on hundreds of servers, so you never have to worry about it going down. You also don’t need to worry about spam, setup, upgrades, or security because it is all taken care of for you.

WordPress.com cons
You are not able to upload your own themes and pug-ins. In addition, WordPress.com will not allow you to post Google AdSense ads or affiliate links. However, WordPress may on occasion show Google text ads on your site.

WordPress.com does offer a VIP program that allows you to run custom themes, custom PHP code, and plug-ins. This is offered to blogs with high traffic and that are high profile.

WordPress.org pros
WordPress.org allows you to install any of the plug-ins and themes available. You have complete control over the way your site looks and will not be viewed as another run of the mill site. Also, WordPress plug-ins expands the functionality of your site.

WordPress.org cons
You need a hosting provider that allows you to use MySQL databases and FTP access. Typically a host provider will cost you less than $7 a month. You can find these services at GoDaddy.com or Bluehost.com.

WordPress.org requires a significant amount of technical knowledge to set up and run. You are also responsibly for backing up your content, handling spam issues, and issues with down sites due to high traffic. Essentially, it places full responsibility on your as the blogger.

Choosing between the two
Your best bet is to start at WordPress.com to learn the Dashboard and how WordPress works. The start up is free and you can then decide if you want to blog or host your own website. Once you understand how WordPress works, you can export your content to your self-hosted WordPress site.

If you want your blog to appear more professional, WordPress.com offers you upgrades for a low cost that allow you to host a domain through them. So, instead of your website appearing as abc.WordPress.com, it will appear as abc.com.

Though WordPress.org has limitation on support, they offer a great forum filled with useful information to help you keep your site running smoothly. You also have options for plug-ins that allow emailing newsletters and other information to your client base.

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