All posts by panca

How To Get Medical Insurance For A Surrogate Mother

Getting surrogate insurance coverage, that is, medical insurance to cover the surrogate pregnancy, can be tricky. There are a few different options for obtaining practical surrogacy insurance, depending on the situation of the surrogate mother and intended parents.

First, if at all possible, plan to use the surrogate mother’s existing health insurance policy, probably thorough her employer or her husband’s. Most health insurance policies will cover a surrogate mother, as their own insured, while she is pregnant. It is frankly none of the insurance company’s business how she got pregnant!

But some insurance companies are going out of their way to prevent surrogate motherhood. Take a copy of the surrogate’s insurance benefits booklet to your surrogacy attorney to verify if you can use this policy.

If that doesn’t work, there are a few more ways to obtain surrogate insurance coverage. The easiest, and least expensive at this point is to purchase a regular individual plan from a local insurance agency. Watch, again, for exclusions with surrogate motherhood. Also, sometimes these plans come with a 6-12 month waiting period before they will pay for pregnancy.

It probably should be mentioned that the insurance policy an intended parent carries, most likely through their employment, will not cover the pregnancy of the surrogate mother, regardless of the fact that it is their biological child. The surrogate mother is not the insured party.

There are some surrogacy insurance policies specifically designed for surrogate mothers. These policies really only insure a worst case scenario event, cost thousands to purchase, and come with deductibles in the $5,000-10,000 range. Some intended parents choose to add this sort of policy onto an existing surrogate insurance coverage.

But what happens when a surrogate mother and her intended parents believe that they are covered, get pregnant, and then find out there was an error and her insurance company refuses to cover the pregnancy? Or what if she loses the coverage halfway through the surrogate pregnancy?

There are not too many private insurance companies out there willing to insure a preexisting condition, such as an already pregnant woman. (And if you find one, please let me know!) The options are few in this situation. The intended parents can either pay for the rest of the medical bills in cash, hopefully negotiating a better rate directly with hospitals and doctor’s offices, or they can purchase a discount medical card.

A discount medical card will save the intended parents some considerable money, but it is not the same as having actual surrogate insurance coverage. Still, it’s a terrific option for those in this sort of sticky situation, and can be obtained after the surrogate mother is already pregnant.

Women Entrepreneur How To Get Your Start

There are many ways to make money from home putting in as many hours as you want while getting to stay home with your family. You can become a mom entrepreneur in no time.

Most women need more flexibility than what they typically get in the regular workplace. You often cannot plan for your child being sick or getting out of school early and it is stressful to have to quickly find someone reliable to pick them up and drop them off on days like that.

Many moms worry about their kids walking home from school alone and would prefer to pick them up and take them home. They also wonder if their kids are safe once they reach the house as they will not be home with their kids until the evening.

It is quite a conundrum as most moms do not work because they want to but because they have to. If this is you, how would you feel if you found out you would not have to stress over such problems anymore?

There are clearly many reasons to start a home business. Getting started can be difficult though. In order to do so you need to stop and ask yourself two simple questions: What are your interests? What are you good at? If the answer to both these questions is the same then you have an advantage as you can create, sell, or teach something that you are great at and love. This makes things easy. There are a plenitude of options available that many a mom entrepreneur usually likes.

If you enjoy working with kids, you can either have a daycare in your house, or become a tutor. Either job would likely help out mothers who are not lucky enough to be home with their kids everyday. You remember what that is like, don’t you?

Or you may want to take advantage of the internet. With outstanding products and superior services you could incorporate yourself into a simple and duplicatable online marketing system that automates most of your business tasks for you. Such systems have been developed specifically for the young business women, but you just have to know how to locate such opportunities.

For startup costs usually around a few hundred dollars, you could be well on your way to securing your slice of the abundant internet pie. Be imaginative when deciding which business to begin; make a list of your interests and skills to help you get started.

Building Up Your Company’s Communication Strategy

No matter what type of web conference software a company uses the core purpose remains the same. It provides flexible communications options for any type of business. Communication is vital to smooth workflow and productivity, especially in the Internet age. Such is its importance that there is an entire industry devoted to improving even the most widely used tools.

Truly Effective Communication

While the telephone is still a heavily used and no doubt effective tool, it is the Internet that is leading the change in communications. With web conference software a business can add different features to their communications structure. Typically, web meeting software offers the following components:

VoIP: The transmission of voice over the internet via telephone lines
Chat: Similar to instant messaging, users can type text and read messages in real time
Whiteboard: A feature that allows anyone involved in a web meeting to offer their own input to data being discussed
Streaming media: This involves sound and video files, and also includes live presentations

Best Practices

Today, using webinar software is regarded as a major component of the best practices strategy. The solutions available today are acknowledged to be generally easy to use and relatively inexpensive. Even small companies do not find even the best web conferencing software to be out of their reach. The downside however is that potential users are often a bit overwhelmed by:

The options available
Cost comparisons
Technical support issues

Finding and utilizing video conferencing software is not as challenging as it used to be. Whether the company simply wants to boost collaboration efforts, train staff or save money on travel, their needs will be covered.

The growing popularity of web conference software can be explained by the constant demand for better technology. Any company that wants to improve its ability to communicate with clients, staff or affiliates can easily find providers on the web.

How Abhi Talwalkar Took Tech Company from Slump to Surplus

When Abhi Talwalkar became the CEO of LSI Corporation in 2005, he and the company faced a lot of challenges. LSI was in a slump at the time. Shortly after, the downturn in the economy made it difficult for just about any company to thrive. Things are looking up, though, according to a recent article at Institutional Investor. The online publication explains how this data and networking solutions provider managed to report a year with 9 percent revenue growth, climbing to $2.04 billion. Apparently, data is a good business to be in right now, at least for those with a solid business plan and the resources to make it happen. So just how did this new CEO do so?

A Struggling Company with a Strong History

Abhi Talwalkar came to LSI during a shaky time, and was left with the task of succeeding the companys founder. The company once known as LSI Logic was founded in 1981 by Wilfred Corrigan, the British engineer responsible for running Fairchild Camera and Instrument Corp. before launching LSI Logic as a producer of customized silicon chips. Fairchild Camera and Instrument Corp. is known to many as the root of Silicon Valley, so Corrigan was well-respected in the field and had millions of dollars of venture capital behind him. The company grew to dominate during a time when the electronics industry in the United States and Japan was strong. It peaked as the dominant producer of customized silicon chips in the late 1980s, and expanded into design tools and systems in the 1990s. By the end of the century, the company had acquired about a dozen different companies. But by 2005, revenues were in serious decline, people were losing their jobs, offices were closing and things were generally not looking up for anyone invested in the company.

A Case Study of Successful Ownership Transition

LSIs board members had a tough decision to face when they replaced Wilfred Corrigan, but the transition turned out to be an excellent example of a successful move to new leadership. With the data deluge facing the business world and the general public today, the storage and networking industry has an important role to play in our modern use of technology. When Talwalkar took over LSI in 2005, he saw this need in the market, and predicted that people were going to be using mobile devices more and more to do things like surf the Internet, watch film clips and post to social networking sites. He couldnt have been more right.

Entrepreneurs Benefits Of A Home Based Business

Trials and difficulties are two factors which a developing entrepreneur is always expecting to meet. There is not a person who does not face challenges in life. Lucky are those who become entrepreneurs with their rich faces. Rich faces do not takes talent with them, for talent to overcome there are lot of difficulties and challenges to be faced. There are lots of business chances for people to show their entrepreneurial skills. One has to look for these chances and jump into it. With these opportunities, you can get your business off the ground.

Now days it is difficult task to get into market if you are one of the competitors of a big corporation. But this does not means you have to back up, all you need to do is get in touch with right people who would help you in succeeding in world of entrepreneurship. There has been increasing demand of home based jobs and there are many people who are jumping in this field. With entrepreneurs same case applies, there are many people realizing that home based business is ideal way for an entrepreneur business.

If you are facing financial problem regarding funds, then it is not issue to matter as there are many financing companies who would lend you money for your business rolling. But you should know how to get these funds. You need to deal with financial company by showing them your business plans and projected financial statement. You should convince them and show your business is a good investment option. There are many financiers who are attracted towards these home based businesses of entrepreneurs. With these plans they are able to analyze their return of money. You can land your business on ground easily with these plans but just make careful you are not victim of high interest rates and service charges.

It is essential step towards your success to know how entrepreneurs campaign their business. You should know the different entrepreneurial techniques involved in your business. Ventures faces lot of problem, so it is better you learn the techniques and research on different aspects before you go on it.

Home based businesses have its bounding too. They have problem in gaining customer and also gaining popularity. There are many people who fail and quit this job. All you need is to have strong confidence and good will power within you to continue this business. The first year of operating this business would truly test all your skills and patience too.

You should careful study the reaction of people towards different things. Ventures success does not lie in their product, but sometime also the way they are sold. You should study the people or community around you and understand the different aspects of them. You should deeply study and analyze the value of people thinking.

In conclusion, gaining success in entrepreneurship world is not easy. But once you get start with the small home based business, you might find your way to get success. Wish you all the best!

Own A Franchise Financial Conversations To Have With Your Family Before Choosing A Franchise

Guest Blogger: Ray Moore, CFE, Vice President of Development, BrightStar

The successful franchisee will first and foremost find the right fit. The right fit may be the one that best fits his or her financial resources and goals. The potential franchisee should sit down with their spouse and family and ask some hard questions. Together they will have to decide what outcomes they need to realize to consider this venture a success. They will have to separate out the must have or non-negotiable outcomes before shopping for a franchise opportunity.

The couple/family should agree to the following each family will have to fill in the blanks according to their own circumstances. Its a good idea to consult an accountant:

1.We will not invest more than $_____ of our cash/liquid capital.
2.We will not borrow more than $______ in additional funds to capitalize the business.

With any start up, business owners need to have enough money, either set aside or in other income, to cover household bills and run the business for 12 to 18 months. The following questions will help determine how much is needed:

3.To make sure we can still live comfortably while growing the business, we will cut our household budget to $ ____ per month for at least ____ months and be sure to never exceed that budget.
4.We will only buy a franchise that we have confidence can get big enough to feed itself, i.e., income (cash flow) will cover monthly business expenses (fixed and variable costs), no later than ___ months after signing the agreement.

With many new business start ups, the owner will not be able to take a salary for 1-2 years. The family needs to know that household expenses will be covered during that time.

5.We will only seek a franchise for sale that we have confidence will be able to pay me a discretionary salary (enough to cover some or all of household expenses) without harming the business no later than ___ months after signing the agreement.
6.We will generate other income of $___ (amount needed to make up for loss of other income and savings budget) from ___ (spousal income, other household income or investments) independent of the new franchise business.
7.We will only pursue a franchise business opportunity that will allow us to have our initial investment back, i.e., pay off the start up loan from business income, in ____ months/years.

These are just some of the items that typically come up, or should come up, during the conversations leading up to buying a franchise. Asking the right questions will get you the answers you need. Ask them of yourself, your spouse, your family, the franchisor and other franchisees so you can get the full picture of what your life will be like while building your business, and what it can be like once you have established your new franchise.

Ray Moore, CFE, BrightStar

Wikileaks and Ecuador–Safe Banking Haven Defined

Executive Summary The Wikileaks founder Julian Assange has been invited to relocate to Ecuador as a legal resident. The Ecuador deputy foreign minister Kintto Lucas told the Ecuador Inmediato news website late Monday that if Assange wanted to apply then “we are open to giving him residence in Ecuador, without any kind of problem and without any kind of conditions.” “We are going to invite him to come to Ecuador so he can freely present the information he possesses and all the documentation, not just over the Internet but also in public,” Lucas said, praising people like Assange “who are constantly investigating and trying to get light out of the dark corners of (state) information.”

Assange is an Australian National. He tried applying for residence in Sweden but this looks dismal due to some arrest warrant over sexual assault allegation, not a conviction that caused his rejection. Wonder if this was trumped up? His mother country Australia is investigating to see if he broke any laws in Australia. I am sure they will find something.

Eric Holder, the USA atty general is apparently building a case against Assange over the release of classified documents which would violate US law. Of course when the USA gets documents on Swiss banking clients illegally as in stolen documents, that is alright. When Wikileaks has illegal documents that is not ok. Once documents make it into the public domain then that is it, it becomes a free for all. The wikileaks site is here: cablegate.wikileaks.org

The site is currently undergoing a massive DOS attack. Wonder who would do a thing like that? Anyone care to take a wild guess? Do not worry the documents were available for download for sometime and will be popping up all over the net.

Discussion Well Ecuador has no Mutual Legal Assistance Treaty with the USA. Ecuador also has no Tax Information Sharing Agreement with the USA. There is no treaty to force them to turn Assange over. The fact that Ecuador has no love with the USA and wishes to see the USA bear the brunt of the consequences for the Wikileaks fiasco is clearly illustrated here by their offer of what amounts to asylum to Wikileaks founder Assange. This would allow him to continue to leak more and more documents embarrassing the USA for all their espionage and sedition activities around the world. We do offer bank accounts in Ecuador in one of the oldest banks in the nation having over 30 branches. If you are sick and tired of senseless government invasion into your privacy when it comes to financial matters (same people who brought you the Obama nude body scanners) we invite you to consider Ecuador as a secure banking jurisdiction.

Ecuador Bank Account & Anonymous Corporation in 24 Hours from Now!

Sources:

Ecuador Welcomes WikiLeaks Founder

Ecuador offers asylum to WikiLeaks founder

VICECANCILLER LUCAS: ECUADOR PODRA DAR RESIDENCIA A JULIAN ASSANGE, CREADOR DE WIKILEAKS

An Introduction To Internet Banking In South Africa

Benefits of Internet Banking Services
Internet banking services provide a safe environment with hardly any of the frustrations associated with visiting a physical bank, giving you the control to bank when it suits you best, no matter where in the country you may be. Internet banking means that there is no need to stress out about getting to a branch during working hours or standing in queues for ages, waiting to complete one simple bank transaction.

in South Africa has greatly reduced paperwork, saving time and money. Instead of waiting for statements to arrive by post, you can access your transaction records at any time you wish. The ability to also print a copy of your bank statements can be used as proof of payment to a creditor. The ability to monitor your personal finance activities 24 hours a day also enables discrepancies to be picked up and dealt with swiftly. Internet banking services allow you to manage multiple accounts from one easy location and perform an array of banking activities from one convenient and secure portal.

Internet Banking Services

When you register for Internet banking, you will have access to a range of services and facilities:
“Request statements – you will be able to access statements whenever you like, as well as choose the date range that you want to reflect back on.
“Interaccount transfers “” with a few simple clicks, you can transfer money between accounts, saving you the time and hassle of visiting your branch.
“Pay bills “” this Internet banking service has given you the freedom and convenience of paying electricity or water bills online.
“Pay school fees “” with Internet banking you are able to pay school or tuition fees with ease.
“Apply for an overdraft facility – this also saves the time and hassle of visiting your branch.

The Importance Of Role Models For Entrepreneurs

Do you think you have the capability to become an entrepreneur? There are lots of successful entrepreneurs present in this world today. It is very important to find the right kind of qualities that are required to become successful in this field.

Some people try to begin from the scratch but it is quite difficult to reach the top fast in this way. This is the reason why the young generations of entrepreneurs try to model their behavior on people who have already achieved success in this field.

There are various role models for entrepreneurs. It is very important to choose the right kind of model. When you hear of a role model the first thought that comes to your mind is of people who have reached heights are very popular all over the world.

These people too surely had their own role model who they used to follow. A role model is actually meant for following. Your model can also be a person who belongs to your family or even or your friend circle.

The person might not be well known and popular all over the world but he has made something for himself. You can look for such people in your family. If you have someone very close to you who has already made it to the top then you can even get good suggestion as well as tips from the person.

You must understand the importance of the role models. They will help you learn how to become a successful entrepreneur. The most important thing that entrepreneurs must have is the will to win.

The entrepreneur role models usually help the budding entrepreneur to learn about the various qualities that are necessary to become successful and reach the top. One of the things that you need to find out is the common trait between all the successful owners.

You must always remember that owning and managing a company is not too easy. You need to have enough guts to take proper decisions and also be ready to tae risks. Role models for entrepreneurs might differ from one person to the other but the characteristic traits of these successful people usually remain the same.

You need to follow these traits. People who are successful as entrepreneur are always good leaders. So you must also make sure that you become a good leader and mange your team in the best possible way.

Team work is very important because you alone cannot take your company to the top, you will need help from the employees. This is the reason why you also need to learn how successful entrepreneurs deal with their employees. This is why role models are so much essential.

Law Firm Marketing, A Particular Requirement

The commercialization of the legal council has portions of lawyer of the options of the law firm marketing solution includes the information of the optimization by the Search Engine, and the design of the Web site ,the material modified for particular requirements law firm marketing also required. Aside from forcing the commercialization of the lawyer pressure-based in line they are the most favorites of the legal information to send the traffic of the Internet for the Web site. The Internet is a primary tool to receive the updated visions, commanding to them in the services of the company then passed law firms to the clients.

For the users, the official sources of the lawyers in line and the legal council make the process easiest to obtain to a lawyer. It is exceptionally important so that you make a Web page give straight, perhaps with blog correlated. After you must insist on the optimization of the Search Engine to indicate officially that its Web site appears in Internet looks for the conditions or the related key words of any law firm marketing . On the other hand you must make a program in line of the impression begin to finish to opinions and launchings of press to make an access and one more exhibition ampler also.

A designed affluent Web site with the loaded portions of the content with the optimization of the Search Engine key words for adds the commencement in Google, Yahoo, and the rest and a program of the production leads to the transference of the Web site of the client to blog .To allowed officially to demonstrate their knowledge and to in line heighten its presence of the fabric law firm at the height of the time a certain class of program of the public relations, through announcement and of the piece of the writings and also the force, the determination and a strong desire to reach something east step covered partially after the publicity with the fabric is the way to obtain the results that thrive.

Many law firm marketing of lawyers and legal councils already mentioned to this time he made this and are being new paid heights of the accomplishment of the production like direct conclusion. The marketing of the legal council is executing surely orders of all your clients. The commercialization of the legal council also makes sure that the design of the Web site, commerce or left towards outside guessed right and is site for the rest of the improvement. Many of law firm marketing are here to help for any reason of lending a hand to others at their difficult moments of the life. The law firm marketing considers the content and it will help him to grow its business of the legal councils.