Get Back to the Doctor With an Assurance Quote

Do you spend a lot of time worrying about your health? How long has it been since you went to the doctor? Many Americans fail to go to the doctor on an annual basis, or even when there is a problem, simply because they do not have insurance. They are worried that if they cannot afford insurance, they cannot afford the medical bills either. So they let their health problems go until they get so bad that they are forced to go to the emergency room and potentially be hospitalized. Their inaction costs much more than simply purchasing insurance and visiting the doctor. Other people fail to go to the doctor because they feel it is a waste of their time, and insurance a waste of their money. If any of this describes you, read on to learn about a solution, Assurance quote.

Some people go without health insurance because they feel it is an added expense for something they may not need. Yet, many Americans should be under the care of a physician, even if they will not admit to it. Most people go without health insurance because they think they cannot afford it. However, there are many insurance solutions today that can make health insurance affordable for everyone. It is simply a matter of finding the best policies out there for the cheapest rates.

An Assurance quote does all the work for you. All you have to do is enter some basic information into their online form, and you will be presented with several health insurance quotes. Of course, these quotes are not lined in stone. You could wind up paying more or less than the quote provided based on certain health questions asked by the company you choose to go with. However, in most cases the health insurance quotes are pretty close if not dead on, and they give you an idea of where to go to get the best insurance at the lowest price.

If you have pre-existing health conditions, you can still get affordable insurance. An Assurance quote can take these things into account when suggesting insurance companies for you to look at. While it sometimes costs a little bit more, you can often get insurance even though you have pre-existing conditions. Alternatively, some companies will insure you and cover all medical treatment that does not stem from your pre-existing conditions, so that you can have at least some medical coverage.

In short, there is no good reason to go without health insurance. An Assurance quote can provide you with many health insurance quotes that will meet your needs. You will be able to get the medical care you need and deserve, at a rate that you can easily afford. When you think about the consequences, no one can really afford to be without health insurance.

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4 Top Tips for Being Your Own Boss Via Internet Marketing

It's fantastic but...

If the idea of being self employed excites you then this could be the career option you want to take. Of course, this means that you are completely on your own. You can holiday when you want, take as long off for lunch as you want and indeed go to work when you please. The rewards with patience and work are considerable. Many of those involved in online marketing are earning in a month what they would have previously earned in a year. The downsides however are not to be sniffed at! You are responsible for paying your own tax. You have to be disciplined too! Daytime TV is rubbish as you know but do not be tempted to watch it to the detriment of your business. There is a lot of time wasting stuff on the internet as well so guard your self against that too.

There is no one to talk to immediately if you have a problem; no regular Friday night s at the bar enjoying the bonhomie of your work colleagues. However, you are around for your children if you have a family. You are not sent away from home overnight by your boss to be in a meeting in some far flung corner of the earth at 9.00amthe next day. So, the pros and the cons need weighing up.

No rent, no employees.

Why on earth would you want to pay rent? This is a 'work from home' business. Paying rent eats into your profit and whittles away any money you have saved up at the beginning. Don't do it. It is a no brainer. Similarly, if you take on employees the same rules, if not more apply. If you are raking in hundreds of thousands of dollars per month and you have some huge project going on that you can't handle yourself, then maybe. However, generally speaking, swerve away from that idea. It might sound grand but employing somebody comes with legislation and paperwork that needs to abided by - as well as giving them money weekly or monthly!

No commuting.

Well you are not stuck on a local car park - which is actually in reality a main road each day like everybody else. No Beltway, no M25 motorway and of course less stress. If you travel an hour each way to work, you are talking about 10 hours a week and in many cases that time isn't paid for. Working at home means commuting from your bedroom to the 'office' or whatever designated area you have in your home which purports to be the same. Of course, you can wear or not wear what you want because there are no annoying office rules you have to stick to regarding clothing. There is much less stress too and you don't have to be concerned with flexi time, being in work at 9.00am, or shift work.

Follow someone!

If you are a newbie regarding online marketing you need to see your business bringing in regular amounts first before you decide to throw in the towel. Indeed, you might even be in a fortunate position to pay your mortgage off - now that would be an incentive to leave work! However, you need to do this at the right time, emotionally as well as financially. Are you ready for the leap? That's why you need to have a mentor/coach that you can least bounce off so that you can get advice.

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Marketing Your Medical Practice Online

So you have finally decided to step forward and create an online presence for your practice. Brilliant. But, there is severe lack of information about marketing medical practice on the internet with physicians, medical practitioners and hospitals. In order to take your practice to the next level, you need internet and big time. There are often such cases where doctors get confused over the incorporation of online medical marketing. However, always keep one thing in mind. If you are going to connect with the internet fraternity, you need to approach in a way that they can't ignore. Creating and maintaining an efficient web presence requires structured planning and improved skills in new and unknown territories.

How can you create an efficient web presence? By starting the campaign with website creation. Your website will create significant first impression of your practice. If it's perfectly written, i.e. rich in content, chances are patients will stay and inquire about the services. To stand out amongst your competitors and become successful, you need to hire professional web designers to do the business. Just convey your requirements and they will carve out a nicely designed website with some tweaks. For the content part, employ the services of medical content writers.

Have your heard about the term SEO? If yes, then now is the time to make the best use of it. Just having a website does not mean more visitors. There are thousands of websites available for your specialty. The dilemma is how to become visible in the top pages of leading search engines. That is where Search Engine Optimization comes in. Comprising of different marketing strategies like link building, keyword research, blog posting, article submission, directory submission and many more, SEO improves your website' ranking overtime. It is though a time-consuming process, but, a proven one. It is proposed to hire SEO experts as they only the ever-changing algorithms of search engines.

I am sure you might have a Facebook, Twitter, or LinkedIn account to stay in touch with your friends. After all, the social networking buzz has taken the world by storm. Search extensively and you will find that your fellow practitioners have already created social networking profiles to spread awareness about their practice. Having a social media policy is significant in any business, particularly healthcare industry. Social media platforms are perfect, if you want to connect with your current and potential patients 24*7. Plus, it sends out a message to the patients how keen you are in updating your practice.

Today's patients are high-tech and nothing smarter than an e-video would encourage them to visit your practice. From Hulu to YouTube, online video is exploding and you must have one to get an edge over your competitors. By adding an introductory video to your website, your practice has a chance of making a personal and emotional bond with today's internet savvy users.

Let's face it: marketing medical practice on the internet is a necessity today. The consequences may be severs, if you don't have it. Not only you will miss big opportunities, also your practice would head for a decline. So, it's better late than ever.

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Does Your Umbrella Policy Really Cover You For All Perils And All Risks?

Umbrella policies are an extra policy that covers over and above your homeowner and/or automobile insurance coverages. But some people think that they are all risk and all peril policies that cover any possible situation that you might run across. While they do cover many things, there are some situations that are not covered.

So what is not covered? The answer may surprise you.

1. Intentional Damages: If you intentionally damage someones property, or intentionally injure someone, you are usually not covered. Most of these policies specifically exclude anything that can be classified as intentional damage.

2. Exotic Vehicle Liability: While snowmobiles and golf carts are usually covered, others are not. If you own, are injured on or have someone injured on your; jet-ski, personal aircraft, hovercraft or para-sender, you are probably not going to be covered. You need to ask your insurance agent about specific coverage for these exotic situations.

3. Damages To Your Own Property: Damages to your own property are not covered by most umbrella policies. Depending on how the damages happen, you may be covered by your homeowners, auto or the policies of those that damaged your property.

4. Business Related Activities: If you run a side business out of your home and someone gets injured while participating in your business activity, these situations are usually excluded from a personal liability umbrella. You need to look into a business liability umbrella to cover any business activities.

5. Workers On Your Property: If you have a house cleaner, maid, handyman or landscaper that does work on your property, they are usually not covered under your umbrella if they are injured while performing any services for you. These casual workers should be carrying their own insurance coverage for such situations and you should make sure they have it.

Summary: Feeling the sense of security that an umbrella policy provides is something that most insurance agents are very quick to tell you about when they are trying to sell you a new policy. Make sure that you ask about any specific situations that you feel are relevant to your personal situation. If they cannot give you concrete written proof that these items will be covered, you should expect that they are not.

To discover additional financial and income tax strategies, check out my blog or download your FREE Wealth Expansion Kit by clicking here. The first step to creating wealth is knowing where you are and then charting a path that will enhance your financial strengths and correct your weaknesses.

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Features of Umbrella Insurance Quote For Homeowners

If only you can foresee what will happen in the future then there would be no need to ready yourself and your property from any unpredictable events. But that is impossible. Although you can direct what your future will be with the choices that you make, there are just some external factors that are beyond your own control. These factors can even let you experience financial disaster especially if you do not plan and prepare yourself for what can happen that will be a threat to your personal property.

The basic homeowner's insurance is what you usually have. It protects you from any damages in the structure of your home. Sometimes the claim that you will get is not enough however it can already be a great help. You would definitely avail it than to have nothing at all. Since your home and your property is of great value, you would do anything to secure it. However, certain events can go beyond your control that even your stun gun tazers could not stop it.

To complete it all, you must get an umbrella insurance quote that will reinforce your basic insurance policies. Fortunately, this kind of insurance is affordable and the claim is quite hefty. They can go to a million and more by just paying a smaller amount of premium. You can get it from the same company where you purchase your basic insurance so that you will be able to get a good deal. Usually the premium would depend on certain things like driving records of family members and of course your ability to pay.

When you decide to get from an umbrella insurance company, you must think of your property and of course your place of residence. If you think that you are prone to natural calamities, lawsuits from well-off neighbors, or pets which you think would cause harm to other people then you better consider paying for a higher premium. This means that if these events happen beyond your control, you will have an insurance that will cover for your financial struggle. It would be easier for you to handle the situation that you never expected to happen.

There are specific exceptions though when it comes to this type of insurance that is why you have think about it very well before you purchase just like what you do when you buy valuable things for yourself like a c2 tazer. Some insurance companies might not include in your policy the injury of some of your workers in the house or any business transaction liabilities. You need to inquire first the coverage of the insurance that you are trying to avail so that you will learn about the limits and the benefits that you will get from it.

Although there are some exceptions, you will be able to experience its features like giving you help when you really need money the most especially when it comes to lawsuits. Going into court requires a lot of money and they will be able to aid you with that especially when covered by your premium. So think very well whether you will avail one or not. Weigh its benefits to you so that you will be able to gain your money's worth.

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Important Difference in UK Vs US Health Insurance Models

More so than ever, insurance price hikes in the US are becoming common place. The insurers are fighting back in many cases, albeit in vain as it is only to defend profit margins as opposed to something more conceivable such as cost of operations increasing or anomalies in the amount of claims being submitted.

However, in the UK, BUPA recently made a very risky, yet honourable amendment to their corporate plans. This amendment saw the Open Referrals Process forced upon corporate clients. The Open Referrals process means that, instead of referring these patients directly to a consultant, GPs will have to provide them with an open referral (a referral for a procedure with no named consultant).

Now this has come under criticism, mainly from BUPA's intermediaries who were shocked that they had no prior knowledge of this change and potentially some doctors who will view it as another attempt to interfere in the referral process and reduce choice.

The point of the matter is that this represents a bold move.

Prior to this, BUPA polled their intermediaries, existing open referral clients and some 12,000+ members, resulting in the majority preferring to make private medical insurance more sustainable above all other wishes, such as premium increases.

This shows that two industries, both facing huge health policy shake-ups on their respective sides of the Atlantic acting in very different ways in response to potential industry crisis; one protecting margins by reducing service delivery costs, the other pushing premiums up.

It would be unfair to compare the two in complete isolation which points me to recent news that Aviva UK has revamped its cancer cover in response to demand for a more comprehensive offering. It could be argued that this is nothing more than a PR exercise following the Mercer report, a study that found elements of cancer cover and care are confusing to corporate decision makers selecting medical plans, as well as claimants covered by those plans.

However Aviva not only responded to those claims by removing limits, but also added "aftercare" benefits including cover for consultations with dieticians and help with the cost of wigs (up to £100) and external prostheses (up to £5,000).

There is more evidence of innovation among UK Private Medical Insurance companies issuing money back guarantees as a method of gaining competitive advantage.

Whether UK or US based, Private Medical Insurance companies need to utilise the recent bravery and innovation which Aviva and BUPA have both displayed, especially now that the recent Health and Social Care Bill has been passed by the House of Lords, which will see a level of private healthcare competition incorporated into the NHS.

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How to Make Money Online Through Auctions

There are many auction sites on the Internet. Regardless, you want to know how to make money online through auctions. Making money online by selling stuff is not hard to do. Let us give you some tips.

You start out by selling things around your house that you do not need. For example, do you know that old antique lamp you have? It may not be useful to you, but it will be useful to someone else. You would be surprised at how much people will pay for certain items that you have no use for. Gather up a bunch of items you no longer want or need, clean them up and take pictures of them. When you post them on the auction site, make sure you write a good description of the items. If there is something wrong with them, make sure you point it out. In other words, if something is not in "mint condition," don't claim that it is. The worst thing you could do in this line of work is create a bad name for yourself by selling an item that is "not as described." Some people start out by posting a bunch of little stuff in order to build up their feedback. You may want to save the bigger stuff for when you have a lot of good feedback.

Once the item has sold, take that money and buy other stuff to sale. Make sure you do not buy something at a high price. The trick here is to find stuff on sale - stuff you know will sell for more on an auction site. For example, if you can find Final Fantasy 7 in mint condition for $5.00, it is worth buying and posting on the auction site, because it will go for more than $5.00.

Whenever someone wins the item and pays for it, it is important that you ship it out as soon as possible. When you ship it, make sure it is secure. You should also get tracking on every single item you sell, no matter what price it was. If the individual paid through PayPal, they could claim they never got the item, even though they did. If you are not able to show the tracking number, PayPal will automatically refund the money to them.

Now that you know how to make money online through auctions, it is time for you to get started. This is your chance to finally run a store of your own.

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Dropshipping For Beginners

Whether you are brand new to dropshipping or you have had your dropshipping business for a while, the basic premise of the dropshipping business remains the same - selling products without the demands of actually selling the products!

Does that make any sense?

The foundations of dropshipping as a business model lay in eliminating all the clutter from your life. The employees, the overhead, the expenses, the endless hours, the inventory - all of these are eliminated with an online dropshipping business.

Let me paint a picture...

As you are looking around the Internet for a solid business, one that you can run fairly easily and without much web know-how, you probably stumble across several thousand different opportunities.

"Make money with this," "Do this and make money while you sleep," "Push this button and make thousands" - sound familiar?

I can tell you from my many years of running online business that those "push button businesses" do not exist in the way they are advertised.

But, there is something that comes as close as you are going to get - a dropshipping business.

• Dropshipping gives you the freedom to operate your business anywhere - as long as there's an internet connection. • Dropshipping is easy to set up and operate, there is no experience required. • Dropshipping can be started with nothing more than a domain name and a hosting provider. • Above all, it is a lucrative business with unlimited income potential for you.

Armed with the tools that I give you, you can have your business set up and open for business very quickly. There is no other business online that can offer that kind of return so quickly.

From a beginner standpoint, your essential tools are:

• Domain name • Hosting account • Payment account • Social media accounts • Shopping cart software

The best part is that I'm going to provide you with all the tools, tips, techniques, advice and expertise that you will ever need to start your dropshipping business.

I started my business with no help at all, so right off the bat, you are at an advantage. Deciding to start your business is one thing, but actually doing it is another. And then doing it the right way is the biggest challenge of all.

You'll discover how to avoid costly mistakes like:

• Picking the wrong niche • Paying outrageous monthly fees • Expensive shopping cart software • Distribution fees

You will learn valuable tactics to help you avoid paying for services you don't need!

Starting your dropshipping business should be an exciting and profitable venture for you, not a headache.

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What Power Tools Every Homeowner Needs

Performing home repairs require the right amount of power tools. Purchasing power tools is an excellent investment for a person's home. There are always minor repairs that need the assistance of a power tool. Regardless of whether a door hinge has come off, or a cabinet door has a loose screw, these tools will solve the repair issues.

Each home owner should keep his or her home in tip top shape and this is done by doing minor repairs. A home is one of our most valuable assets, so we should strive to make it look beautiful for years to come. Our home is the most important dwelling for our families and pets, so we should always make certain it is completely safe and comfortable for them. This can be done by making much needed repairs to all aspects of the inside and outside of our property.

One of the most essential tools a person should have is a hammer. A hammer always seems to be needed around the house, specifically if a nail needs to be hammered, or a new piece of drywall needs to be hung. Screwdrivers are important for a home, number one and number two Phillips head screwdrivers are a must with so many loose screws around the dwelling. Then there's the fact that almost everything purchased has to be put together by a screw driver.

Circular saws are wonderful for outdoor projects such as a new fence or extended porch. When needing walls or various other surfaces sanded, a Sander is great for that project. Power drills are much more convenient to use on a home repair because it basically does all the work for you. We all need to take the up keep of our house very seriously because it can add to the equity of our homes valuation.

Having the right tools for home repairs can differ from time to time, so extra purchasing could follow. A lot of power tool brands, come with a lifetime guarantee if tools are broken or destroyed. These kinds of power tool companies usually have the best made tools even though they may be very expensive, but they are worth the extra cost. These companies will replace your broken or defective tools easy and fast without any trouble. Whatever your choice of power tool brands, be sure they come with a lifetime warranty, this can financially help you out in the long run.

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Impact Wrench - A Step By Step Guide To Finding The Best Wrench

Have very many options to choose from

It is very vital that you gather all the information on impact wrenches as you can. Just as a doctor must have a list of symptoms in order to make a diagnosis, you should make sure that you have a list of wrench manufacturers to choose from.

The thing is that by having very many options to choose from, you have the best and not so good models to choose from. This way you can judge for yourself which model will serve you best. You might not necessary be an expert to select a particular wrench.

However, if you can have an expert help you to decide the best wrench set to buy; you have won half the battle. If one is not available, then it is at your discretion to select the best brand for you.

Eliminate these options based on reviews

Here comes the fun part. If you have very many options to choose from, you can eliminate the brands that don't suit your cause based on reviews. What other people say about a particular product, in this regard the wrench; you can use it to eliminate them.

You should look at what other people are saying about the impact wrench they bought. What are the benefits or demerits that accrue from its use? By covering all the angles of what people said about the product, you can judge whether or not they have a basis for doing so.

While reviews tend to be subjective and some very one sided, it would be do you some good to look at the impact wrench manufacturer. At least there, you will have a bit more information. After all, you are the one who will sooner or later have to make up his mind on which wrench to buy.

Settle for established brands

There is a reason that most companies tend to emphasize a lot on their product- a brand name is very important. For this reason, you should ensure that you select an impact wrench that comes from an established brand.

The reason is that established brands have been certified by independent bodies around the world. At least with an established brand, you are assured that the wrench set you select will be of very high quality.

Hence, when you shop for impact wrenches always look for a certified brand. That way, you can rest easy knowing that you selected something that will last for a very long time. Quality is not only a matter of durability, it is also a matter of convenience- is it very easy to handle.

An impact wrench is a must have component in your tool box. However, you should not make the assumption that all wrenches are made equal- there is a reason that there are different kinds. Each wrench is designed to handle different bolt sizes. Not only that, sometimes, some wrenches might not be able to withstand all the force and end up breaking. This might end up injuring you; something you could have avoided by simply just sticking to high quality.

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How Can I Make Extra Money Online Today!

How can I make extra money today will vary depending on the line of work an individual deems or sees to be the best way for him or her. Today, there are so many reasons why many people look for other ways to make more money apart from the normal work they do every day. Day in and out, there are new opportunities however; there is a problem finding these opportunities and making good use of them like they should be. Today, the world is all about empowering oneself to ensure that there is financial freedom for everyone though making money online methods.

So, how can I make extra money online? There are several ways to do it that people do not seem to realize. One of the most popular ways is to get a website setup to do affiliate marketing. Yes, doing this can earn you full-time income every single day of your life. If you are one of the many people wondering how to make extra money, it will be best if you stopped wondering and began to take action. This is because making money from the comforts of your own home is easier than it used to be. Today you have the ability to reach the global market with your affiliate marketing website and make money even while you are sleeping.

Spending money to get money back is what business is about. However; with the internet all you need to do is to spend time, creativity and also hard work and you will be making so much money in no time. Although there are countless ways on how can I make extra money today, the internet is the number one place or spot to get all you need. Yes, there are so many businesses that have made it big because they believed in their small online business and focused on making good use of the internet.

If you want to stand out, it is always best to think outside the box. Thinking outside the box means, using your affiliate marketing influence and skills to create promotions that will make sure you spend a little in the short-term but earn more in the long run. Other ways on how you can achieve your goal of "how can I make extra money online" will be through freelance writing, survey filling, website designing, translator, data entry clerk or personnel, etc. All these jobs can be handled perfectly from the comforts of your home which means you can have so much time to relax and work just as you want.

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Secrets of Seminar Marketing During Hard Economic Times

For many years seminar marketing has been a highly effective tool to market products and services. However, seminar marketing has been forced to evolve during these hard economic times. During this recession many companies are reluctant to send their employees to far off seminars, and many individuals are unwilling to travel to attend seminars.

Today's seminar marketers have found the need to develop new ways of reaching their potential prospects, these include:

Online seminars or webcasts Podcasts Online video Video or audio blogs While these methods have helped some seminar marketers, it has not been enough to make up for the lost revenue from declining seminar attendance. The declining attendance at seminars has fueled an increase demand for seminar content that is tangible.

What is tangible seminar content?

Tangible seminar content deals with the production and marketing of seminar materials to seminar participants and non-participants. Tangible seminar materials include CD's, DVD's, books, manuals, software packages, tools etc. Creative seminar marketers now realize the need to expand their tangible offers in order to deal with declining seminar participation.

How are creative seminar marketers expanding?

Creative seminar marketers have began to create websites geared toward the sale of their tangible seminar materials. Seminars have been recorded, and packaged into small kits that typically contains books (manuals), CDs or DVDs and sold to non-participants. This strategy has worked very well for many nimble seminar marketers.

What type of packaging does tangible seminar materials require?

Once the non-participant has purchase the tangible seminar package, the professional seminar marketer can easily ship the package to the customer using many off-the-shelf professional packaging and mailing products. Typical professional mailing packages include; DVD Literature Mailer Kits and CD Literature Mailer Kits.

DVD Literature Mailer Kits

A typical seminar kit containing a DVD and a book or manual can be professionally shipped using high quality DVD literature mailer kits. A typical DVD literature mailer kit has an insert to hold the DVD safely in place, and has room to accommodate a book or manual.

CD Literature Mailer Kits

A seminar kit containing a CD and a book or manual can be professionally shipped using high quality CD literature mailer kits. Like a DVD literature mailer kit, a CD literature mailer kit has an insert to hold the CD safely in place, and has room to accommodate a book or manual.

Why use professional CD or DVD literature mailing kits?

Professional literature mailing kits will give a professional appearance to your materials, while protecting your items from shipping damage. Using professional packaging materials will show your customers that your operation is professional and will give you the ability to use that perception to obtain referrals from your customers through the use of referral cards or other referral vehicles.

Thinking about selling your seminar as a tangible product? Think about using professional mailing kits.

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How to Sell More by Making Your Products Exclusive

In times of hardship many businesses fail to sell more products; because the economy is just so tough internet businesses still fail even though they have less overhead than an offline business. In order to overcome this barrier and sell more, one can make their product exclusive therefore increasing the chances of surviving regardless of the state of the economy. Exclusive products attract different people at different levels. A prime example of this is seen where people of class spend money regardless of the state of the economy because of the status of the product.

If the product is presented as exclusive then more people, especially from the middle class and lower income markets are willing to spend more if they believe they are getting a product which is exclusive. It all depends on the pricing of the product. It must be well priced enough to still get the sale. A good example of this is cars. Most of us would relish the opportunity to drive a BMW but realistically could probably only afford a Chevy. This is because there is a status attached to driving a BMW whereas in reality its parts and pieces may not actually differ very much to other cars.

It is possible for you to develop an awareness of your own products or internet business in the same or similar fashion to BMW, who have created a class consciousness about the cars they trade. How is this possible? Including the exciting details about the product you are marketing is a good way of doing this. An excellent opportunity for this is seen in affiliate marketing where you have the chance to promote your product on a pre-sell page and sell more. You can begin to generate a sense of exclusivity in your product by the way you package and promote it on your website whilst everyone else is using the same replicated affiliate website. You can separate your product from others by finding different ways to present to the public what makes your product unique instead of saying the same things others are saying.

Unique things eventually become exclusive so present your features in a way that will give them a luxurious feel. Invest a lot of time putting forward the details of the distinct attributes of your product and so the more people read the more real it becomes to them and this will make you to sell more. This is the reason as to why you see long sales pitches on web pages because copywriters know that it is going to be fresh and exciting to the reader although it may be boring to those who have read over it again and again.

Those who are very class conscious are just waiting to be persuaded into spending more for your product and hearing why they should do so because spending more than their budget gives them a better feeling since they know what they are getting is exclusive compared to their peers. This viral marketing strategy is very successful; you will discover that when you deal from the point of exclusivity and class consciousness your conversion rate greatly increases.

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Employment Law: Assisting in the Rebuild of Christchurch

The recent seismic activity in Christchurch has had a devastating effect on the city centre, as well as the outer suburbs, which have caused some businesses to grind to a halt in their operations. With the outlook brightening and the attitude of Cantabrians positive, and a general consensus that the worst was over after the initial September 2010 earthquake and the declining aftershocks, the 22nd February event caught all unaware. With the immediate concern of saving lives, homes and returning essential services back to the community, especially those in the worst hit Eastern regions, the focus has now turned to the rebuilding of a stronger and more vibrant Christchurch.

With the impetus now of economic recovery and the physical rebuild of the city, there are some positive signs that the local economy is starting to bounce back; built on the sweat and tears of Cantabrians who are trying to save their businesses and their employees in positions on employment. However, many businesses, especially in the Central Business District (CBD) have either been damaged beyond repair, or are unable to be accessed due to the cordons limiting admittance to the area. However, as each day passes, new areas of the CBD are reopened for business owners and residents to retrieve valuable business equipment and information; and other areas are opened for full access throughout the city. It may be hard to vision at this point in time, but it should be remembered that Christchurch will be rebuilt, and these businesses will once again thrive. New construction will provide for those whose buildings have been irreparably damaged and from the rubble, will form a new, stronger and more vibrant Christchurch, being built on the memories of those who lost their lives in the tragic event.

The immediate future of many people in respect to their employment is now becoming the focus of concern, with large government packages being released to assist affected businesses, the self employed, as well as those who have lost their jobs and are experiencing hardship. Businesses who have experienced substantial losses and are contemplating their next move, however, must still adhere to the legal framework for civil and criminal law. Where the red tape has been considered by many as the legal loopholes they have to jump through, in times like these, Employment Law and those specialising in its application, can be a savings grace; ensuring that all your decisions in these hard times are legally correct.

The last straw for an employer is to find that they have inavertedly done something illegal in respect to their roles, relationships and responsibilities towards their employees during their efforts to save their business. Ensure that you are conducting your business actions according to current employment law and safeguard the future of your business in the new Christchurch.

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Members' Voluntary Liquidation Vs De-registration

As a result of the current harsh economic climate there has been a notable increase in the amount of businesses, and consequently business owners, that are having to reconsider the way in which the business is currently operating. Unfortunately, for many small to medium enterprise operators they are having to reassess whether or not it is financially viable for the business to continue functioning at all.

There are various options for a business that finds it is no longer able to trade such as Members' Voluntary Liquidation or de-registration. The best option for each individual situation is different, which is why it is important to note that choosing the wrong method could prove to be a costly decision. Making the correct choice is not only important in terms of the initial monetary cost to the business but also in relation to the tax implications of each.

Members' Voluntary Liquidation refers the process of winding up a solvent company. This means that the business is in a financial situation where it is able to pay its debts if and when they are due prior to the execution of the liquidation process.

De-registration is the formal process of removing a company from the Australian Securities and Investments Commission (ASIC) register of companies. The removal usually takes place following the completion of Members' Voluntary Liquidation. However, provided that the following conditions are met a company can be de-registered without first going through the liquidation process.

If:

-all company members agree to the De-registration -the company is not carrying on business -its assets are worth less than $1000 -all company fees and penalties payable under the Corporations Act have been paid -there are no outstanding liabilities, and -the company is not a party to any legal proceeding -then De-registration can take place.

Whilst from a cost-to-the-business perspective Member's Voluntary Liquidation is more expensive, when viewed from a taxation perspective there are many benefits, particularly to the shareholder, when using the Members' Voluntary Liquidation method.

For example, the winding up of a company will no doubt result in the necessary distribution of its accumulated profits and capital reserves to the company's shareholders. If the distribution of the assets is done via a liquidator there are specific tax provisions and capital gains tax regimes that are applied, proving advantageous for the shareholders. Conversely, if the assets are distributed without the use of a liquidator the usual tax provisions in relation to shareholder dividends apply.

The basic application of this can be demonstrated using the following simplified example.

Holiday Getaway Pty Ltd was incorporated in 1984 with $100 in share capital. The shareholders, Sally and Alex were allotted 50 shares each. In the same year Sally and Alex lent $500,000 to the company in order for it to purchase a property. Years later, property was sold for $950,000. This is a capital-gain of $450,000 for the company. After repaying all of its debts the company has approximately $400,000 in the bank at the time that Sally and Alex decide to wind-up the company.

Using the De-registration option, Holiday Getaway Pty Ltd are required to distribute the remaining cash to Sally and Alex before De-registration can occur. Apart from the initial $100 that was invested in the company, the rest of the cash is considered an unfranked dividend and will be taxed as such. Based on the top marginal tax rate of 45% there will be $179,955 owed in tax on the remaining $399,900.

If Holiday Getaway Pty Ltd elects to undertake the process of Members' Voluntary Liquidation the distribution of assets will be tax-free to Sally and Alex.

As demonstrated in the above example there can potentially be significant tax benefits to the shareholders of a company if Members' Voluntary Liquidation is implemented. However this may not be the optimal outcome for every situation. It is also necessary to consider the administration, legal and other costs associated with this process. This is why it is increasingly important that you seek the advice of professional accountants and lawyers when considering winding-up your company.

At The Quinn Group we have a team of highly qualified lawyers and accountants who will be able to advise you on the best method for your situation. If you require advice on the winding-up of your company or would like more information please contact us on 1300 QUINNS or submit an online inquiry form.

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