Educational Preparation Options for Health Care Careers

The opportunity to receive the training that is necessary to enter into a health care career is available through accredited schools, colleges, and degree programs. You can train for an exciting profession in the medical field by enrolling in an educational program. Studies can be completed at various levels and in the specialized area of your choice. Accredited higher education programs are designed to help you receive the skills and knowledge that is necessary to enter into a successful career in this field. You can begin by learning a number of things about receiving an education in health care.

1. Training Options

Gaining an accredited education in this area can be done by completing training programs that are offered at several levels. You can choose to earn an accredited associate, bachelor, master, or doctoral level degree. Once you have decided on a degree level you can choose the area of concentration available at that level. Options will vary but can include cardiovascular technology, health information, health education, health science and services, physician assisting, preventive medicine, public health, and many other specialized areas. You can begin the path to an exciting new career by finding a program that meets your needs and beginning career training today.

2. Career Possibilities

There are numerous options available when it comes to careers in this field. You can prepare for the career of your dreams by selecting an educational program that meets your needs. Accredited training is available to help you gain the skills and knowledge to enter into a career working as a health educator, medical professional, physician assistant, public health worker, health sciences professional, and a variety of other related professionals. Receiving an accredited higher education will enable you to enter the workforce and pursue the employment that you desire. You can prepare for any of these careers by completing the required coursework and training.

3. Coursework

Career preparation will require that you learn certain subjects related to the level of education and career you wish to obtain. You can expect study a lot of the same courses for most health care careers but some professions may require you to learn more in depth topics that relate to the specific profession. You can learn nutrition, fitness, wound care, information technology, social sciences, anatomy, behavioral science, physiology, and many other related course topics. You can study these subjects to prepare for a career in biology, education, psychology, nursing, and much more. You can begin by enrolling in an accredited school or college to start the path to an exciting new career.

Health Insurance Coverage – Mental Health Coverage That’s Affordable

Within the past decade or so, there have been many more insurers jumping on the bandwagon to provide mental health coverage to patients in need. Before this, it was very rare to find insurance that would cover such issues. States have changed their laws regarding the availability of this type of coverage and many states mandate that insurance coverage is made available specifically for mental health issues. There are a variety of services and conditions that are covered by health insurance, so it should not be difficult to find the coverage that you need.

Many people know how expensive mental health services can be, which is why it is nice to learn that there are affordable options for mental health coverage. If mental health insurance is not already incorporated in your existing insurance policy, you can expect to pay just a little more each month for coverage. What’s more is that the coverage that you get will offer you effective treatment options because it will include plenty of room to get your expenses paid for by the insurance company. Mental health insurance is available to be used for problems like depression, anxiety, social phobias, relationship issues, and other mental disorders.

Usually, this type of coverage will allow between 20 and 30 sessions annually for counseling or other professional treatment. Additionally, they will cover 50-80% of the cost of those sessions, allowing your co-payments to be much smaller than what you would spend out of pocket. Some people prefer to use counseling and medical services that can help their mental health issues on a sliding scale, but this is not always the most affordable or even the best route to choose. It is important that you take the time to weigh your options and figure out exactly what health insurance coverage you need to get the affordable treatment that you deserve.

When it comes to getting mental health coverage with a traditional health insurance policy, you will want to shop around and compare your options. Every company has different allowances and types of coverage for mental healthcare, and you need to find what suits you best. Find a reputable insurance company that has good coverage and affordable rates. You can do this online or by talking to a health insurance agent, who offers free consulting and quotes with no obligation to buy. With the availability of mental coverage, you have no reason not to check it out.

If you need assistance in locating particular coverages at a pre-determined price, we can help you save up to 50% on your health insurance.

Health Insurance and Mental Health – Tips and Information

Even just 10 short years ago, mental health coverage was not an option on many health insurance plans. Too many people still had the stigma and assumptions about mental health in their minds, both professionally and personally. As more states began mandating this type of coverage, insurance companies became more accepting of mental health issues as actual claims for insurance coverage purposes. When you are searching for mental health coverage, it will be easier than it might have been a decade ago, but it still requires some time and attention on your part.

Start your search by taking the time to figure out which companies are going to be best to work with. If you already have health insurance, you need to determine if you have mental health benefits or if they are offered under a separate coverage that you have to pay extra for. If they aren’t included and the cost is reasonable, go ahead and sign up for them. Of course, you will have to be sure to check out waiting periods and exclusions so that you can get the treatment that you need.

If you do not have insurance or if the cost of adding mental coverage to your existing insurance is too much, you will want to find insurance companies that offer this coverage. See what types of limits and covered services they include, and what the costs of the coverage are. Compare these different policies to find the best coverage for your mental health needs. The average offering from insurance companies is about 20-30 visits with a mental health professional each year, of which about 50-80% of the costs are covered. If you do not find a plan this good, keep searching.

A lot of times, people wind up needing medications that are on the controlled substances list or dangerous in the minds of the insurance company. If you are prescribed benzodiazepines (Xanax, Adderall, etc.) or anti-psychotics that are strong (Lithium, Zoloft, etc.), you will have to check out their requirements for covering those prescriptions. Some insurance offers no prescription coverage while others will only offer limited coverage. There are even some health insurers who will severely limit the prescriptions that you can have by quantity, frequency of prescription, and other factors. Make sure that you get a comprehensive plan for mental health coverage. This is something that is completely feasible in today’s private health insurance industry and you should take advantage of it.

Taking a Break – How Three Types of Business Owners Deal With Vacationing

Every female business owner confronts the issue at some point in her career: to vacation or not to vacation? The answer to the question lies not only in whether she has enough time and money to take a few days, or even a couple of weeks, away from her business, but also, in whether her mindset will allow her to do so. Because each entrepreneur has her own set of beliefs, habits and characteristics, each entrepreneur will make different considerations when thinking about vacationing.

A recent study reveals there are five distinct types of women in business. Based on professional market research of more than 2,500 women in business, this study shows that each type of business owner has a unique approach to running a business and therefore each one has a unique combination of needs. This article outlines three of the five types and provides tips for taking a break – and keeping business running smoothly meanwhile.

Jane Dough is an entrepreneur who enjoys running her business and generally, she makes a nice living. She is comfortable and determined in buying and selling, which may be why she’s five times more likely than the average female business owner to hit the million dollar mark. Jane Dough is clear in her priorities and may be intentionally and actively growing an asset-based or legacy business. It is estimated that 18% of women entrepreneurs fall in the category of Jane Dough.

Jane Dough is what many people would consider a “natural born entrepreneur.” She has a clear vision for her business, and is very successful by traditional standards. In fact, 15 percent of Jane Dough business owners own million-dollar-plus businesses, and 22 percent of the women in this group earn $100,000 per year or more. Members of this group report high levels of satisfaction with business ownership.

Jane Dough’s success and personal satisfaction are due to her ability to prioritize and to stay true to her boundaries. Therefore, she is very likely to make time to vacation – and to really be able to check out and relax. She may bring her laptop and check her e-mail from time to time, but her ability to stay true to her boundaries means she can step back from her business and take the time to truly enjoy herself.

One of Jane Dough’s challenges is that in her desire to achieve growth quickly, she may over-delegate authority. She may hand implementation entirely over to her team, trusting team members to plan and execute without significant input. Therefore, when it comes to vacationing, Jane Dough might provide team members with a to-do list and expect them to carry it through to completion before she returns. The speed with which this type of entrepreneur operates sometimes leaves team members in need of a little more clarity. So Jane Dough needs to be sure to slow down enough to provide detailed instructions and clear expectations before she turns off her phone. Then, once she’s gone, she needs to make herself available periodically so that her team members can get any answers they need.

Business Valuation – Why the Asking Price of a Business Can Differ From the Actual Purchase Price

The other day I came across a social media site and noticed an old post. Someone was asking a question about how to value a business. Ten people were good enough to answer. I was not surprised when all 10 replied with completely different methods on how to value a business. You have to assume that people taking the time to answer the question were reasonably confident that they knew the correct answer. It made me wonder where they actually got the information from and how much confusion this subject creates with almost everyone including accountants and business brokers. I can hear you asking how to go about establishing the asking price of a business.

This is the method a Business Broker will use to determine the asking price of a business.

The method below is used by business brokers to determine an asking price for a small business; it is based on the adjusted net profit using the most recent profit and loss statements. The business broker will look at all the business expenses to see what they can add back to profit. This is referred to as add backs or recasting. The adjustment is made by adding back to the net profit all the non essential or discretionary expenses not necessary to run the business to show a more accurate net cash flow for the owner.

The business may also have unaccountable business expenses. A good example may be the rental expenses, if the business owner also owns the freehold and is only selling the leasehold you would need to ensure that the rental expenses are correct and adjust the profit if necessary, in this case it would be adjusted down.

Once this number is determined, the next step a business broker will take is to multiply the adjusted net profit, usually by 2.5 times, and they have an answer.

Let me give you an example of business broker method.

Business A; Established 12 years, trades 9-5 Mon-Fri with consistent sales, strong industry growth, selection of quality suppliers, and abundant customers etc.

Business B; Established 2 years, operates 7 days a week, sales are inconsistent, cut throat industry with aggressive competition, and it only has one customer.

Both businesses A and B show $100,000 adjusted profit after the owner operator wage is taken out. The business broker will then use the same multiple on both businesses i.e. 2.5 x $100,000 = $250,000. This will include stock, the written down value of the plant and equipment and the goodwill.

Why So Many Businesses Don’t Succeed

Having been a small business owner and consultant for twenty-plus years, I had the opportunity to learn from my own mistakes, as well as, seeing the business failings of others. I have learned that there are definitely reasons why a small business fails; why some are successful; and why certain types of people are more successful business owners and entrepreneurs. The good news is most successful small business owners had many failings before achieving a level of success, and the object of this article is to identify their (and my) mistakes.

Lack of Capital

When starting a business, an entrepreneur needs to first bring sufficient cash to the venture. I recommend a minimum 10% of the total funding amount to come from Owner’s Equity, with 20% being optimum. Having a strong equity stake in the beginning of a Company’s life makes acquiring the additional capital much easier and less expensive.

Strong Owner’s Equity shouldn’t stop after a Company’s start up stage. A Company’s strength in Retained Earnings is key to growing the Company, seizing on market opportunities and obtaining future finance. If you lack owner’s equity capital, there is additional undue pressure on a Company’s cash flows, making it increasingly hard to obtain the appropriate funding.

Lack of Business Knowledge

Successful entrepreneurs are typically well read. They are always striving for more knowledge and take advantage of the wealth of resources offered through business schools and, as importantly, read other successful entrepreneur’s books. A Business Degree or MBA is a helpful foundation but gaining knowledge from those who have found success is critically important to understanding why businesses fail, as well as, spawning new ideas and markets.

Inexperience

Inexperience ties in with Lack of Business Knowledge. Business Knowledge can be acquired in school, through books and magazines, and via experienced business owners. Business Experience is the critical and common link between successful entrepreneurs. Inexperience costs money when mistakes are made. Make too many mistakes, and you are out of business. Mistakes are a natural part of the business learning curve, however, minimizing them is very important to stay in business. I highly recommend going into a business which you have experience and passion while seeking out those who have been in the same business for a time and reached a significant level of success. Experience comes with time, but you can also learn from the mistakes others have made before you. Cultivate business relationships, mentoring opportunities and networking events and forums. I can’t tell you how many times spending time with an experienced entrepreneur has paid off in spades, in my business life in so much as, what not to do, as what to do.

Along with ensuring you have enough capital to run your business, you need to make sure your employee management tools, such as employee time clock software, are reducing your labor costs. Having such a solution allows you to take funds that were previously being wasted on unnecessary labor costs and allows you to reroute those funds to more important parts of your business that may be hurting financially.

Home Business FAQs

How long have there been home businesses operating in the United States?

Home businesses date back centuries in the United States. Of course, many of the first business owners in the United States ran their business out of their homes – blacksmith shops in barns, candle making at home, and carpenters working from home work shops, just to name a few. As towns and cities became urban centers, these businesses were either replaced by new technology or moved into store fronts to service customers.

Home businesses were never completely extinct. While the bread winning businesses may have moved into retail outlets, women kept the business market alive by adding to the family budget through their home projects. Many women took in laundry, altered clothing, and sold jams, jellies and other craft items from their home. These women may not have been making a fortune, but they were certainly creating viable businesses.

The home business that we recognize as a “true” business got its start in the ’60s and ’70s. This period was the golden age of business with the introduction of multi level marketing companies like Tupperware, Avon, Mary Kay, and Shaklee. While many business executives scoffed at these businesses as mere methods for women to earn a little “pin money”, they soon changed their tune after following a few pink Cadillac’s down the highway.

The success of these companies and others like them paved the way for the businesses of today. The introduction of the Internet just made home businesses that much more viable. Now people were able to work their chosen career from home, or start a whole new career.

How many home businesses are there in the United States?

The number of home businesses in the United States has exploded in the last decade. Recent surveys indicate that there are 38.7 million households in the United States with some form of a home business. Of that number, 21.8 million businesses are actually generating income.

It may be surprising that only 57% of the home businesses are generating income. Remember, you have to factor into the equation the number of people that have a home business as a “hobby business”. These home businesses are owned by individuals who choose to work merely a few hours a week or month. They are often not concerned about the amount of money made (their primary income isn’t dependent on it), but instead use the business as entertainment outlet. And of course, there are some people that become involved in fraudulent or scam home businesses, or their business simply fails. Still, the majority of home businesses are generating an income that individuals can rely on.

5 Automotive Tools Every Auto Owner Needs

Automobiles are sizeable investments. As a car becomes older, its maintenance becomes increasingly important. There are many tools that every auto owner should have. Auto shops can sometimes charge exurbanite amounts for a simple fix that could have been done at home for much cheaper. Having the proper tools and knowledge will allow any auto owner to save money, learn more about their automobile, and maintain their car.

1. Every auto owner should have a jack and jack stands. When working on a car, more often than not, the car must be elevated. Simple procedures like rotating tires can be done at home with the help of a Jack. Additionally, all car owners should have a jack in their car with them wherever they go. In the unfortunate event of a flat tire, having a jack and a spare tire can lead to a simple tire replacement. In a garage, having a powerful jack and strong jack stands makes it possible for an auto owner to reach every point underneath the car and thus solve problems more efficiently.

2. One of the most important car maintenance practices is the oil change. To maintain an automobile, the oil should be changed once every 3,000 miles. Quintessential to a successful oil change is having an Oil Wrench that takes the oil filter off and allows the oil to be changed expediently. Without an oil wrench, an auto owner may be forced to take their car to an auto shop and overpay for a simple oil change.

3. Often when dealing with parts of the engine, or the hard-to-reach spots under the hood, proper tools are required. A 3/8-inch Socket Set can allow an automobile owner to loosen and subsequently tighten a wide variety of bolts. Different extensions allow the auto owner to obtain the best angles for torque and therefore make auto jobs quite a bit easier.

4. When changing oil, having a funnel, some rags, and a bucket is very helpful. Once again, the oil change is one of the most important maintenances for a car, and it can be done easily by anyone. However, many people do not have the proper tools or knowledge for a successful oil change. Having a funnel can also be useful when refilling any other fluids in one’s car. The funnel serves to make sure that fluids do not get over filled, which can lead to significant problems.

5. Finally, every auto owner should have a pair of solid vice grips. Some times a part will just not come loose. Other times, a car part may not seem to be tight enough despite one’s best efforts. Vice grips can hold a wide variety of car parts and allow the user to obtain more leverage for either tightening or loosening a part. When encountering a part that will simply not come loose, many auto owners will give up and take their car to a shop. Having vice grips can help one to avoid this problem.

Volkswagen Automotive Legends

VW Golf GTI do you have one?

Over the years the Golf GTI has changed its shape many times, but has it improved or could the car worse nowadays?

The newest Golf has 3 different models you have the GTI, GTD, and the R I would personally buy the GTI I have always preferred the shape of the GTI and its still a great looking car the newest Golf GTI has a selection of two different engines for you to choose from the TSI petrol 6 speed manual gearbox or you can get exactly the same engine but with the DSG auto gearbox.

Petrol engine stats:

• Maximum Speed: 149 mph

• Torque: 207 lbs.ft

• Acceleration (0-62mph): 6.9 seconds

• MPG Urban: 28.2

So you can all agree that the Golf engine has some decent numbers but the question is will it really do the job when it is on the road.

Inside the Golf you can have the choice of leather or material id say a lot of people will go for leather just because it makes the car so much better for looks and when you try to sell it.

When you think of Volkswagen you will most likely think of the classic beetle since it is the car that really introduced the Volkswagen logo around the world. The first Volkswagen car was designed in 1934 by Ferdinand Porsche as a method of cheap reliable transport. Through the years VW have become a global force in the manufacturing sector getting bigger and bigger with every new design. Not to long after the beetle had been created and unveiled the Golf was released. The first generation of Golf or the rabbit as it was called by the Americans was launched in 1975 and was stopped in 1984. Through the years the Golf has gone from the original square body shape and gradually over the years become streamlined and round the first Volkswagen rabbit GTI was a very square body compared to the new golf introduced in 2006. Through the years the Golf has been fitted with a bigger engine but in addition has gained more weight the biggest engine that Volkswagen released in the Golf was the impressive Golf R32 with the 3.2 V6 engine in the front. The R32 is the most powerful of the whole Golf range because it is 4wd and it has 237BHP which isn’t that great for a V6 I would have expected a lot more from Volkswagen.

I think the car that Volkswagen could be most pleased with must be the Bugatti Veyron with the unbelievable 16.4 litre engine with 1001BHP and reaching an incredible 250MPH there are only a handful of Veyron’s and several different types that were made by Bugatti the only real difference with the other models was mainly the inside detail and different wheels other then that they could not do much more to make the car distinct.

Learn How to Overcome the Troubles Faced by Automotive Dealers in the Present Economic ‘Crisis’

For many dealerships, times are hard. The leads have slowed down, the obstacles of financing ought to qualify as an Olympic sport and advertising simply doesn’t work like it used to.

And the fact is that several dealers are going under. There’s going to be a lot of victims after this one….your store included.

OR perhaps not.

This present economic ‘crisis’ might actually be your best blessing as a small business owner.

Sounds crazy, but here’s the deal.

Many dealers are going out of business. No doubt. It’s already happening. Your job is to be sure it’s someone else’s business going under… not yours. And there are terribly real ways to do this, if you’re really serious about being among the 20% of dealers who can outlive the storm.

I’m going to give you some cold, hard statistics and methods to assist you in just an instant, however let me begin by saying that if you don’t have the right systems or processes in place, work them out now. If you have character conflicts, deal with them today. If you don’t have a system for staying in touch with past customers and unconverted leads, get one.

If you don’t have a crystal clear answer to the query, “Why should someone select me over different dealers?” figure it out this weekend. If you don’t have a predictable method to get new prospects into the door, at will, now is the time to do something about it. If you have floor plan issues or problems with your lenders, it’s better to sort it out this month than next.

Why?

It all comes back to the eternal 80/20 rule, also known as the Pareto Principle.

If you’re not acquainted with the Pareto Principle, this rule dictates that 20% of dealerships naturally get 80% of the business. In other words, the 20% of dealers who will outlive this current economic storm will do so because they make 16 times as much as those in the 80%.

And because of this capability to earn additional capital, when the market will come back (which it always will), they’ll be larger and higher than ever, readily positioned to eat up new shares of the auto market.

Which may mean more dealers go out of business again-but it won’t have an effect on you if you’re among the 20%.

So what can you do to confirm your dealership rapidly and easily ends up among the 20% if you’re already in, or teetering towards the 80% category?