HMO vs. PPO – What’s the Best?

Choosing a suitable health insurance plan can be a confusing process. Co-pays, deductibles, primary care physicians, HMOs, PPOs—it’s easy to get overwhelmed! But whether you get coverage from your employer or through an individual policy, it’s important to have proper health insurance to protect yourself and your finances should you require care.

It’s also beneficial to look at rolling all of your plans into one as some companies like will give you a better rate if you also include your life sinsurance, car and business insurance policies all together.

Two of the most common group health plans are Health Maintenance Organizations (HMO) and Preferred Provider Organizations (PPO). Both can be affordable healthcare options, but they do have significant differences. So, HMO vs. PPO: what’s the difference between the plans, and which plan best fits your needs?

Why Do I Need Health Insurance?

As you probably know, without health insurance, you will be left footing the bill should you or a family member require medical treatment.

With adequate health insurance, a simple ear infection would be cleared up with a minimal co-pay at the doctor’s office and a small pharmacy charge for the antibiotics. Without coverage, the same ear infection would cost you 100% of the bill for a trip to a doctor’s office in addition to the astronomical cost of buying antibiotics without insurance. A simple visit could cost hundreds of dollars!

Also, you are more likely to receive routine physical examinations and preventive care if you have health insurance. Identifying potentially serious conditions in their earliest stages is essential for long-term health. So, the matter of HMO vs. PPO isn’t your main concern if you’re uninsured, because any decent health plan is better than nothing!

HMO – The Basics

The main feature of most HMO plans is the primary care model. You must select an in-network primary care physician to coordinate all of your medical care. If your preferred doctor is not in your HMO network, you must select another in order to have your medical visits covered by insurance.

When you feel sick, you will visit your primary care physician first—unless it is an emergency. They will determine whether or not you need to see a specialist. If you choose to visit a specialist without a referral from your primary care physician, the visit will not be covered by your HMO policy.

With an HMO plan, consumer costs tend to be much lower than with a PPO. HMOs typically have no deductible and low co-payments, resulting in minimal out-of-pocket costs. However, the tradeoff is that HMO plans limit your care to in-network physicians.

PPO – The Basics

The most appealing feature of the PPO plan is that it generally offers a much broader network of doctors. Those who opt for the PPO plan will be able to see almost any doctor of their choice, provided they are part of the network. Patients aren’t tied down to a single primary care physician, and a referral is not required to see a specialist. In-network care is encouraged through lower co-pays and more comprehensive benefits, but out-of-network care may still be partially covered.

The freedom enjoyed under a PPO plan doesn’t come without a price. Premiums are typically higher than HMOs, and deductibles typically range from $500 up to $2,000.

HMO vs. PPO: How Do I Decide?

PPO might be worth considering if you can afford higher premiums, want the freedom to choose from a wide network of doctors, or frequently visit specialists such as chiropractors or podiatrists. HMO may be best if you don’t mind being restricted to a limited number of in-network doctors, need to keep your out-of-pocket costs at a minimum, or can’t afford to have a high deductible.

Remember, these are just general guidelines; contacting a certified insurance agent or family physician for specific details is the best way to determine which plan best fits your needs.

Health Insurance Plans: What Are the Differences?

Health Insurance Plans What Are the Differences

What Are the Differences?

All health insurance plans are not created equal. And there’s no rule of thumb for which ones are good and which ones aren’t. The best health insurance plan for one person may not work at all for another. The best health insurance plan for you will depend on just what kind of health care you need, whether you have family members and what their needs are, and a few other personal factors.

Which Health Insurance Plan is Right for You?

Features and options vary widely among types of health insurance plans more so than among companies providing the plans. Where things vary among companies is usually cost. Depending on your personal circumstances, some health insurance companies’ rates may be less than others. During your job search, it’s a good idea to consult any prospective employers on what their health benefits are; since some employers will provide more health insurance coverage then others.

But you don’t need to be an expert, or even spend a lot of time, to figure out which health insurance plan is right for you. Understanding the basics of each health insurance plan and knowing what your health insurance needs are will help you make an informed decision.

Health Maintenance Organization (HMO)

HMOs are the oldest form of managed care and are typically the least expensive way to receive medical care. HMOs offer a range of benefits, including preventive care, for a set monthly fee. HMO plans generally do not have deductibles. Rather, you make a co-payment for the services performed. For example, doctor visits may cost $20. However, HMO plans require you to get a referral from your Primary Care Physician before the plan will cover treatment by a specialist. Your Primary Care Physician must belong to a specified medical group.

With a HMO choose a primary care physician from a list of participating doctors. If you need to see a specialist, need to be hospitalized, or have lab or X-ray work done, your doctor will refer you to a provider or facility. Your doctor must give authorization for those services to be covered by your HMO. Some services, such as emergency room, mental health and chemical dependency services may also require extra fees.

Preferred Provider Organizations (PPO)

PPO plans allow you to use any physician when medically necessary. However, if you opt to use a Preferred Provider from the list of participating providers, the company will pay for a higher percentage of the costs. For example, a PPO plan may pay for 80% of the medical expenses if you are treated by a Preferred Provider, and only 60% if you are treated by a Non-Preferred Provider.

You will have choices to make about your insurance options within the PPO system when you enroll. Your decisions will apply to you and any dependents you enroll in the plan, and can usually only be changed once a year during “open enrollment” periods. You’ll receive a list of participating medical professionals, which you can use to find health care. Or you may continue to see anyone you already use.

Also, with a PPO health insurance plan, you may have to pay extra for some services like, the emergency room visits and mental health and chemical dependency services, for example.


Point of Service health insurance plans combine characteristics of HMOs and PPOs. You choose a primary care physician who controls all aspects of care, including referrals to specialists. All care received under that physician’s guidance, including referrals, is fully covered like with Spectrum Insurance Group. Care received by out-of-plan providers is reimbursed, but you have to pay a significant co-payment or deductible. So basically, you decide each time you need medical care whether you want to use your plan as an HMO or a PPO.

Major Medical

Major Medical is the least restrictive option of the three main health insurance plans. Major Medical lets you see any licensed health care professional for anything covered by the insurance. You choose a deductible and other options when you enroll, and those apply to you and any dependents you enroll in the plan.

The deductibles you choose apply to each person enrolled in the plan; so if you and a spouse enroll and select a $250 deductible, you each must pay $250 in medical expenses before your plan starts paying further costs each year.

Costs that exceed your deductible are covered by a coinsurance plan, so you and the insurance company share the cost for services covered by the policy. For example, with an 85/15 provision, the insurance company pays 85% and you pay 15%. After you meet your deductibles, coinsurance maximums apply that protect you from skyrocketing medical bills. You may have to pay extra for some services such as emergency room, mental health and chemical dependency services, for example.

Employee Time Clocks – How Important are They?

Employee Time Clock

To avoid huge losses companies nowadays have started to use time clocks to manage their employees. These time clocks accurately tell when an employee has entered the office and when he has left without any kind of error. So the days of doing manual attendance and office hour counting are over, now one can easily keep track of the no. of hours worked by employees with all the simple software that provide its users unique benefits. Before you choose to buy one of these amazing time saver software, know some of the features that you should consider. Cross check these features at the time of buying so that you know you have got the best product for your employees.

Some of the features to consider

  • Payroll management – time clocks should have the feature to manage payrolls fast. What it means is that these time clocks should have the feature to not down the no. of hours that an employee of your organization worked during the month or the week. Also there should be an option where the number of hours he took a break is being recorded. With these two sets of data the payroll management system will determine the accurate amount of money that the particular employee should get paid for the month. The automated time clock software will save you hours that you’d have otherwise spent on calculating it manually.

  • On the clock guard – the software should have the feature of a guard on the clock. The function of this guard is to notify the management whenever some employee who is not scheduled to work is trying to log in the device. So if the employees are late and try to log in from any other device then it will automatically get blocked and access will be denied. Also if the employee doesn’t have a shift at that particular time and tries to log in from office IP address then also access will be denied. Alerts can also be received by the management whenever some employee tries to log out before his shift ends. This feature will ensure that the office decorum is maintained well.

  • Mileage tracker – a lot of companies work with sales and the sales employees need to travel a lot of distance everyday for their work. Now a majority of the companies [provide vehicles for the employees but there are companies that need the employees to travel on their personal vehicles. In these cases the timer clock needs to have the mileage tracker feature so the mileage as well as the fuel rates can be noted down in the software. This will ensure that they get the reimbursement for their petrol accurately. Using this two data the exact amount of money can be calculated and this also makes sure that the employees don’t use the fuel provided by the office for their own personal use.

  • Absentee handler – in large MNCs it is very difficult to keep a track of absent employees. No one has the time to sit with an attendance register and count who all are absent. This time clock system should have the inbuilt feature of tracking which employee called in sick and who left early because he or she was feeling unwell. This software should have the provision for you to schedule time offs for your employees in case they wish to take a day off from their work. The requests for day off along with the reasons should be provided to the management via this system itself.

  • Change time slots – there may be cases when an employee normally working in the day shift has to work in the night shift for one particular day, in such cases the time shifts in the system needs to be changed otherwise there will be difficulty in the calculation of the hours that the employee stayed in the office. So the software should allow editing of time slots for each and every single employee. Another major feature that should be present is that in case of any error being displayed in the time sheet of the employee he or she can file a request form via the software which will cause their time sheet to be reviewed manually and any error in the readings will be fixed by the system.

Thus these are the basic features that employers should consider before they opt for a time clock software to keep a track of their employees. If you find these conditions being present in the software then look no further, opt for that software and see how the efficiency of your organization multiplies in little time. These amazing features are the reason why the majority of the companies are shifting to digital time clock systems nowadays.

Bluehost Review – Best WordPress Hosting Service

bluehost reviews for WP

Every business new or old needs a website today. There is just no getting around it. So I wanted to write this article to talk about one of the best hosting companies I’ve found to make your life easier. If you already know Bluehost hosting then this article will be helpful for Installing a WordPress Blog on Bluehost Hosting.

Bluehost is a Web Hosting Company. There’re too many Web available hosting companies out there and it can be very confusing to a new person looking to host their website. Many people are looking for a web hosting package for WordPress. And while there are a lot of hosting companies to choose from, not all of them specifically deal with WordPress. Bluehost is one that does.

Go Bluehost

My Bluehost review:

You may know that Bluehost Web Hosting Company already has created a name for itself with exceptional or outstanding server performance and admirable Activities. Here we’ll be sharing a full review of Bluehost hosting service and Hosting Package details, and also a question to you that’s why you should choose for a meticulous hosting service on BlueHost. It is compulsory for a blogger to know that some of the compulsory elements we’re looking for in a best web hosting service like: Bluehost Reviews

  1. Reliability
  2. Affordability
  3. Customer Support

Bluehost Reviews of Shared Hosting:

BlueHost Offer the Best Shared Hosting! Most of the shared web hosts impress speed of your website which install on a best platform like WordPress. This is done to envelop the costs of on condition that that your website the free web hosting disk space and connected services. Some of the web hosts necessitate you to provide in sequence, the minutiae of your WordPress websites; Maximum bloggers approximating to choose a free web host where accessible others display a window that pops up every time open page or post on your site loads, while at a standstill others force an advertising frame on your site.

To choose a Shared Web Host you need to find out a best Shared Hosting from Bluehost. Bluehost also provide a cheap Shared Web Hosting for WordPress users. Due to Some industrial Difficulties Some Shared web Hosting acquires down and an fault page loading speed or any more trouble faces, So Firstly chose a best Shared Web Hosting Company for receiving clear service Before I get into detail regarding Bluehost Reviews, let me start with the basics. As a WordPress blogger, whenever we weigh up a hosting company I compute its value based on more than a few parameters:

  • Hosting optimized for WordPress
  • Minimum Pricing and Money Back Guaranty
  • Special Resources
  • Ease of use any times
  • Live Support
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We’ll additional elucidate all this information, allowing you to weigh up whether Bluehost is the right Web Hosting for your WordPress Blog.

Bluehost Provide Cheap Hosting for WordPress Blog:

By pursing a cheap hosting for WordPress Blogbluehost reviews for WP , you’ll get a best quality hosting at a low budget on Bluehost. Yur greatest opportunity for a cheap Web Hosting with no extra costs from us, you may also have multiple Websites; you can easily manage them all from your single VPS Hosting Account of your control panel. At this stepladder, we make it fantastic fast and take effortless to register Web WordPress hosting from Bluehost. As an important Hosting Service provider of Authorize executive of cheap Hosting, we have helped lots of people around worldwide client for keeping secure the selected cheap hosting server.

Other Facilities from Bluehost Web Hosting Company:

Bluehost Web Hosting provides some of premium opportunity for the quality client who already taken the Additional big items of hosting like VPS Hosting or Dedicated Server. We don’t forget to respect our important person. By this Aim, We care specially to our High Valued customer. We provide the following services to our selected customer:


  • Free Multiple cPanel:
    If you are contrasting other web hosting companies, here require to know that we never charge extra emotion or your clients a fee to manage or control the whole content and Information database setup of their websites. Our Hosting cPanel makes it very suitable and easy.
  • Free Hosting Resale’s:
    Not only Web Hosting available for personal uses only but also you sell web hosting, with our Reseller Hosting Program also gives you the capacity to sell and host a website a new or exciting domain name.
  • IMAP, POP, and SMTP Email:
    We offer a large quantity of Email protocols, connotation your clients can check emails somewhere they wants, on any kinds of piece equipment, all the systems can take without problems.
  • Free Data Backups and SQL Installers:
    We incorporated the Softaculous speedy and auto-installer completely out of cost, so you and your customers can build up their websites at the get on of an icon, and we turn around your sites up every 24-36 hours automatically.
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How to Install WordPress Blog on Bluehost Hosting?

Here available one thing that I always thinks about wordpress installation system with Bluehost reviews. They scaled their server for most favorable with awesome activity and performance when a people running WordPress on a Bluehost web hosting. In case, if a person is not conscious, Bluehost is one of the top recommended web hosts for WordPress Blog both Personal, Event or official Websites. Maximum times Bluehost offer unlimited bandwidth, Unlimited storage, Online live premium support and the whole thing else a client require to run a WordPress blog first. Sign up to Bluehost for avail the desire service.

Complete Guide to Install WordPress Blog on BlueHost reviews:

  1. First start with our tutorial for beginners and to learn something new today. Just Login to your Bluehost account, and Click on hosting button available at the top, to get inside cPanel.
  2. Then Scroll down to Website Builders button and then Select WordPress from the desire list. It will take you to the next page for starting installation.
  3. Now on the next screen need to click on Start in front of WordPress installation pop-up button. This will redirect you to next page where you can easily make many changes. Bluehost reviews
  4. Follow on the next page and select the domain name on which you want to install WordPress Blog.
  1. Attention: please make sure that you can select your domain name if you want your add your domain to be with www or without www. In the addition of 2015, it’s all about shorter URL, so here I recommend selecting non www. (You will also get this function when you click on the Dropdown menu). Check the Screen shoot below:
  1. Now Click on Check domain and this is where you can easily configure final require settings to install WordPress on Bluehost.
  1. On the following page it will start installing WordPress automatically. Please don’t close the landing page until unless it shows Processing complete properly. It will take about 1 minute or less for a Bluehost WordPress script to install your WordPress blog.
  1. An automatic Email will be sent to the registered Email address which is you provided on the information form about the login and password. You need to use your login username and password to login to your WordPress dashboard.

Go Bluehost

In conclusion, we’re happy to inform you the whole concept about the BlueHost Reviews and How to Install your WordPress Blog on Bluehost Hosting? Please stay with us and share your important comment so that, we can develop our Experience!

Could the Warren Buffet Stock Investing Strategy Be Wrong?

Warren Buffet Stock Investing Strategy

“Buy American. I am.” To quote Warren Buffett’s opinion piece published recently in the New York Times.

Warren Buffett appears to be quite a decent man and, perhaps, his most admirable quality demonstrated in recent years is his personal charity underscored by a deep sense of humility. He certainly doesn’t live the lifestyle of most multi-millionaires and billionaire investors that tend to be far more flamboyant, if not entirely pretentious by recklessly self-indulgent, decadent behavior.

Warren Buffett is quite the savvy investor, not because of his personal considerations, but due to his shrewdness and business acumen. It would be more proper to characterize Warren Buffett as an opportunist which is a kinder, gentler way of describing a predator who stalks its prey and waits patiently for the moment to capitalize on other people’s distress.

It’s difficult to think of Warren Buffett in these terms because he is an affable and charming person but, in truth, he is no different than the archetypal Hollywood character of Mr. Potter in “It’s a Wonderful Life.” After all, what was Mr. Potter symbolic of if not the Wall Street titans of the world that, literally, followed the wisdom of Nathan Rothschild who was famously quoted: “buy when the blood is running in the streets.” One technique used in Crisis Investing.

If you break down the terms of his recent buys such as Goldman Sachs (GS) and General Electric (GE), you understand that Buffett’s money costs more to borrow than a local bookie charging the going loan shark rate or ‘the vig” for betting on ponies. To call his terms with GS and GE a “friendly negotiation” is another euphemism for asking someone’s permission to borrow keys to the car while holding a gun to their head.

Buffett crafted quite the favorable contract terms by taking preferred shares in combination with warrants and a 10% dividend yield. Perhaps, his endorsement alone was worth more in public sentiment than seeking alternative financing through frozen commercial paper and credit markets. If the issues plaguing solvent companies was a crisis of confidence, who could be a better marketing tool to inspire trust than one of the most revered investors in the history of capital markets?

The irony throughout these notable cash injections is that he was wrong in his timing, not even the venerable voice of Berkshire Hathaway (BRK.A) can call the exact bottom. Those that wanted to follow him into the deep end of the pool have had ample opportunities to buy the same stocks at cheaper valuations due to extreme volatile aberrations of the market.

And certainly, as has been reported, Warren Buffett lost approximately 9.6 billion dollars in equity value due to decreases in company market capitalization and share prices. Of course, unlike the recent forced liquidation against CEO Aubrey McClendon of Chesapeake Energy (CHK), who involuntarily sold over 30 million shares due to excessive margin calls, Buffett’s holdings remain paper losses.

If the wealthiest individuals lost 90% of their wealth, they would still remain multi-millionaires and, more importantly, accessible to cash to take advantage of buying at fire sale prices. If you or I lost 90% of our income or wealth, we would be in the soup kitchen lines. So, there’s no comparison and very little reason to feel sorry for those that will navigate this crisis from the luxury of skyboxes and protected enclaves.

However, to be fair, a bottom isn’t necessarily a pivot point as much as it is a natural formation and process once the panic selling and forced liquidations hit their crescendo before tapering down to normalizing levels. Markets become exhausted because such volatility is unsustainable as weak hands are flushed from the system and earnings multiples collapse under their own weight.

If you’ve read my previous article on “How To Catch A Falling Dollar,” you can see that I was quite bullish despite the panic that ensued both before and during the week of option expiration. But I disagree with those that insist that we need to reach this technical bottom of absolute capitulation–whatever that term is supposed to mean. As if you need to see Wall Street brokers coming out of the trenches with their hands in the air to surrender before the all clear sign is put out to buy stocks.

If this massive sell off that has been orchestrated over the past year since the Dow was above 14,000, now hitting the inverted peak of disparity during the last month, then what would constitute a true sign of capitulation? Zero? One thing that has been proven throughout this calamity is that fundamentals, charts and rationale thoughts or behavior simply are out the window once panic ensues.

But I’m not Warren Buffett and, like most of you out there, I face similar daily stresses and concerns of being capable of paying bills and expenses. I have never seen markets behave like this and even professionals that have been involved for decades will admit this is unprecedented action where conventional rule books don’t apply anymore.

People continue to refer to the ’87 market crash as the signature comparable and yet, nothing compares to the volatility we’ve seen which has been the equivalent of more Black Monday’s than I can count. I fear no differently than most of you out there and remain very concerned for not just the stock markets, but the underlying economy that seems convincingly problematic for our generation going forward.


Asset devaluation is a systemic risk in the global economy. Many people that you would consider rich not that long ago, were considered as such based on their equity holdings and combined leveraged assets. In effect, they were “paper valuations” waiting to become whacked with a sledgehammer like a pinata.

The real estate bubble has created vast illusions of equity and fictitious degrees of separation from achieving true wealth and prosperity. Those that would like to believe housing is beginning to bottom seems disproportionately premature, disconnected from the reality of vacancies and the incomplete construction projects that were unable to retain financing to finish the job.

Most people don’t own stocks directly and the home has been the largest source of wealth and prosperity for the average American household. This story is broken for at least a generation. And by generation, I really mean an entirely new wave of buyers that are willing to bid on the market which can only come from sustained job growth and the willingness for lenders to pump money into circulation to qualified borrowers.

How many people own multiple homes and property, each leveraged on top of the other asset like a house of cards? How many people bought that expensive car through tapping the equity in their home? How many people’s credit cards and HELOC’s were based on perceptions of net equity in a property that has evaporated into this vortex of wealth destruction?

We forget that for the majority of people real estate is a leveraged asset, more than the normal 2:1 ratio on a margin account, or even 4:1 for those day traders out there. And no different than a house call on a brokerage account, once market value drops in real estate you have a systemic deleveraging process of a rising debt to equity ratio.

For the past decade, no one assumed the fatal flaw in their metrics was based on the rising value of home prices and not the possibility of a depreciating asset. The reason why a car is considered a depreciating asset and not an investment, is because the underlying value deteriorates at an accelerated rate of decline. If there is no underlying price stability in our housing markets, then every dollar spent for renovation, maintenance, property taxes and insurance erode net equity. When an asset costs more to keep than the value you could receive, it no longer is a good investment, even if you have to live in it.

Where are all those con artists that prostituted their “get rich quick schemes” on no money down seminars in real estate? Or those Tony Robbins style paid speakers that tell you that not being rich is based on your negative attitude of not being positive enough? Do we really need Suze Orman wannabes to tell us what we can or cannot afford? Are all these seemingly helpful news specials that have sound bytes on how to manage this unfolding crisis really conducive to prosperity, or are they fueling the fire?

Because, folks, it’s not your lack of positive attitude that prevents people from paying bills as much as it is the reality of the situation changing all around us. A positive attitude won’t determine whether or not a bank lends money, nor will a higher FICO score when the presumption is that asset valuation continues to fall much further amid a rampant global recession.

What makes it worse is that we all have this fixed price in our heads of what a property is worth based on the last appraisal when the markets were peaking. It is psychologically disturbing to even admit to ourselves what the markets are telling us.

The same may be true with how we perceive stock prices. There is absolutely no question that stocks look cheap on a relative historical basis. But you must wonder if stocks look cheap only because we still have those fixed prices in our head when the market was up.

The multiples are extremely low but that is only predicated on continued net earnings growth. If the earnings continue to slide, then multiples are not low enough to be considered a bottom. Cheap? Yes, but not necessarily an absolute bottom.

Because you have to ask yourself why aren’t more companies buying back their stock at these low levels? If you are looking for a signal of a true bottom it would probably occur when companies start to acquire others, but this can only happen when the financing is available in vast, ample quantity.

The reason I am bullish on the stock market is less to do with the underlying struggles of our economy because I recognize that, unlike the stalled real estate market, the equity market is the last and only viable asset class that remains liquid and, for the most part, transparent.

Money has to be put to work in one asset class over another and fund managers or private equity cannot remain hidden in their respective foxholes indefinitely. Money has no value if it ceases to flow in one direction or another, and this is why the stock markets will always run ahead of the curve in anticipation of what is to come…

But, what if I am wrong?

In a sense, the economy would only have to mimic the 70’s and early 80’s to feel like the Great Depression, because our generation has been so spoiled by material wealth and excesses that any draw down on consumer purchasing power will drastically alter our perception of what it means to be rich and poor.


I ask myself this daily, wondering if the market truly is oversold? Yes, in technical terms based on how fast and how far the markets dropped we were due to bounce. But was I bullish because I was tempted to fade the market, or was I bullish based on a hopeful and blind assumption in regard to history? These are the internal dialogues that I struggle with, but I am quite sure they reflect some of the sentiments others feel.

As I’ve stated previously, I am a huge proponent of Fed Reserve Chairman Ben Bernanke and Treasury Secretary Henry Paulson. What they are doing is absolutely necessary to restore the trust and solvency of the financial markets. However, just because I want to believe it will work does not mean that it will work. And although I hope these liquidity injections will take effect as intended, I realize that in the back of my mind it is more due to the fact that I’m trying to convince myself it will work.

The nagging issue is not so much about the individual companies we choose to invest in as much as it is the overall feeling that the “Emperor has no clothes.” This entire deleveraging process has uncloaked the naked truth about wealth creation over the last several decades.

To describe this ordeal as a crisis of confidence is an understatement. The real problem is that once people no longer believe in mythical fairies and dragons, it’s hard to get people to sleep at night with the same ol’ bedtime story.

In terms of the credit markets, it will be extremely difficult to get banks to lend money based on projected asset valuations or simulated mark-to-model metrics. The system works well when people believe it, but when people lose their belief criteria hope cedes to despair.

Think of yesteryear when you believed in the Tooth Fairy. This was one of the very first introductions to basic economics. Each dollar placed under your pillow at night was exchanged for the asset valuation or current market value of each tooth. Or at least that’s how it seemed, but the real system of exchange depended exclusively on your belief in the Tooth Fairy and the guarantee of your parents to back stop the fabrication. Hence, if you no longer believe in the myth of our financial system or the obscure ability for Uncle Ben and Big Daddy Hank to reinflate us out of this crisis, there is no buyer for assets even if you were willing to sell all your teeth and wear dentures.

The craziest thing about all this volatility and market panic is that it has become more evident than ever that asset value was predicated on perception and not intrinsic value. The exaggeration of wealth was created through leverage tied like a noose around our necks, waiting for the day people hang themselves out to dry.

The earnings multiples across the board have come down to very, very attractive levels. Yet, this oversold theory only holds true if we are facing a liquidity crisis based on deleveraging and not a fundamental breakdown of the drivers in the global economy.

A short-term recession is priced into the markets. But a sustained chasm and black hole is not factored into the markets and, thereby, would mean that stock prices would be far from reaching a bottom. Again, this is only if all the liquidity being pumped into the system fails to deliver proper resuscitation to jump start the economy.

And this draws me to the inevitable conclusion that if Warren Buffett were truly wrong and the economy reached a real depression, all bets are off the table and the consequences of such an economic demise would mean that no municipal bonds, Treasuries or cash holdings would protect you. In other words, the actions by the Treasury and Federal Reserve better work otherwise it will look like a George Romero horror movie with zombies running in the streets looting for survival.

This is unthinkable in reality but remains the very fear that draws near. But if you play your most wild fears out in your mind, you may find a calming sense of peace in your existence by the knowledge that things cannot possibly be allowed to get that bad, can they? Because if they did, money would cease to have value and the last thing anyone would be thinking about would be bills, mortgages and frozen credit markets.


Warren Buffett is, undoubtedly, an American success story and many would welcome a mere slice of his performance as they try to mimic his portfolio but fail to achieve equal measure.

The difference for the average investor is that while it’s common for legendary traders of Wall Street to mock how the sheep get sheared by buying at the top and selling at the bottom, they neglect to remember that most people sell not because they want to, but because they have to make bill payments and pay for basic necessities such as food and shelter. Sound advice by professional money managers falls on deaf ears when the margin of error means being able to feed your family or not.

Warren Buffett can buy with impunity, unlike the rest of us with limited resources. Because he is rich enough that whatever decision is made to invest, he can, literally, afford to be wrong until the markets turn around and agree with him at some point or another.

This is not a criticism of the man or the individual, rather, this is more about a growing disparity between those with money and those without. The advantage is that the money he puts to work doesn’t need to be pulled out or withdrawn to feed a family, pay a utility bill, or keep the mortgage going for one more month.

It’s arrogant to presume that the sage’s wisdom applies to the average American investor that isn’t necessarily looking to get rich, but simply hoping for a nest egg to supplement a retirement income.

Warren Buffett is right to buy stocks and equities after the markets have been utterly obliterated. But he is wrong to assume that everyone else can enjoy the same luxury of spending free cash flow on anything beyond basic necessities, let alone investing in the market once their 401k’s and retirement funds have been cut in half or more.

But, in truth, Buffett’s op-ed piece was not intended for the majority of average American investors. Instead, it was the clarion call meant to trumpet a message for the professional money managers that ran to the sidelines in cash during this massive deleveraging and liquidation cycle.

A call to arms so that a support level or underlying buy exists in the markets that can help stabilize price volatility to inspire confidence in a broken system. While many professional money managers are seeking cash reserves to cover a potential rising redemption period, without their underlying bid in the market there continues to be a systemic free fall of stocks.

I’m very appreciative that Warren Buffett did make public statements during this crisis because his words do carry weight. And since the dislocation between fundamentals and perception has been largely exaggerated during this volatility, it is prudent for the sages of Wall Street to commit both words of wisdom backed by real capital into the equity markets.

While we all like to believe we can be whatever we want or do whatever we desire, the truth is that the American dream is an illusion for many, smashed and broken on the backs of taxpayers that will always get less than what they paid or bargained.

What are the disadvantages of using Adsense?

disadvantages of using Adsense

Publishers complain that the adverts within their site do not change and as a result repeat visitors do not get to see fresh adverts. Google could certainly rotate their adverts, but would bring up a new problem of how would that be linked with advertisers paying a rate per click? If Google is to remain the market leader — they need a heads up.

Let’s toss out the disadvantages of Adsense ads, and you decide if they are serious enough to exclude them from your websites. Without a doubt, they have become the most popular publisher program for price per click advertising, yet the flaws and disadvantages still exist.

Since its inception advertisers have chosen to advertise off-website because they felt that visitors would be less targeted than on-website; and that is a genuine concern. If you are visiting a website and notice an advert then the chances are you are not particularly concentrating on its content.

Adsense adverts can be distinguished from others, and therefore people may choose to ignore them without even a second thought. This has been a hot topic of bloggers and one that could contain a lot of truth. Many people have blamed Google for this, and their decision to include text that says ads by Google beneath the advert.

Let’s include the publishers who fail to ever gain the revenues they anticipated when starting the program. Those only gaining 30-40 visitors a day to their website would be unlikely to earn even one dollar a day; many advertisers talk of rates such as 1.5% – 5% for traffic to click conversion, while only gaining around $.10 per click. Obviously these smaller websites could use some local SEO help or other ways of building out their sites to gain more traffic.

Obviously this math doesn’t work out great but you can hardly blame advertisers or Google if you are not bringing enough traffic to your website. The key is to bring targeted traffic to your website; visitors that are likely to click on adverts. It is said it may be easier on other programs which allow figures such as 75% share of advertising revenues for the publishers.

A newer complaint on the disadvantages of Adsense is that it has become tacky. Its appearance on websites that generally appear to be designed in a DIY fashion has lead people to associate them inextricably. This can only be tackled through Adsense itself evolving to a more attractive and bigger brand of products while those who currently use Adsense are restricted.

We should mention that Google also has to tackle the issue of click fraud which is anticipated to count for over 15% of click through rate in content. This has meant that advertiser’s who have been particularly affected, have moved away to other programs or have restricted their advertising to search.

This means less competition in content and smaller revenues for publishers. The result is that publishers who previously had high yielding ads now have to alter their content to ensure they get any adverts at all. The click fraud issue can be put on the publisher themselves and if not addressed could bring Adsense to its knees.

Google Adsense also does not pay enough for their search program. Other similar programs pay higher rates and if publishers decide to go elsewhere then the problems will occur for advertisers and publishers alike. Although Google fails to pay adequately for their searches, another major issue with Adsense is that it does not have a powerful database of graphic adverts. Many advertisers prefer graphically driven ads, but this has yet to materialize with Google.

Publishers complain that the adverts within their site do not change and as a result repeat visitors do not get to see fresh adverts. Google could certainly rotate their adverts, but would bring up a new problem of how would that be linked with advertisers paying a rate per click? If Google is to remain the market leader — they need a heads up.

Adwords also has major advantages that some publishers have ignored… its CPC rates can be chosen by the advertisers so that even when they feel that they are not getting the results they expect, they can lower their prices and still use your pages. Ouch!

Is A Human Resource Consultant A Good Job Or Not?

calgary hr consultant

calgary hr consultant Since this is a website about money, finance and all things ca’ching, I thought an article on a good paying job would fit right in here. So today I’m going to write about being an HR Consultant.

Becoming a human resource consultant might be the perfect job for you. For some people, it is not only rewarding, but it can be very lucrative. Those that stay with companies that offer these services are very comfortable in these positions for decades.

It does take a little bit of time to achieve these top positions, and you need to have some background in this industry. It will require a college degree, and once you are in, you can start moving up to higher paying positions. Let’s discuss what a human resource consultant does, and then evaluate whether or not this would be a good job for anyone.

What Does A Human Resource Consultant Do?

The primary purpose of these individuals is to provide a point of contact between employers and employees. For example, if an employee is injured, or has a grievance with another employee, these issues can be discussed and resolved by a Calgary hr consultant.

They are also responsible for hiring and firing employees. They can determine if they are following protocols, or if new ones need to be developed. Most people have been to the HR department of their company before if they ever had a question about the company, or individuals that they were concerned about.

What Type Of Education Do You Need?

In most cases, you will need to have a Masters degree or MBA. This could be in human relations, business ethics, leadership, management information systems, or marketing management. There are many other degrees that you may earn to get these positions. The key is to have some type of degree that is related to business or interacting with people.

What Do HR People Do?

These are very comprehensive positions that require a substantial amount of effort. For example, those in HR are responsible for advising management positions on policies and procedures, and can serve as a consultant. They can help with revising, developing, and implementing new procedures and policies related to human resources.

They also need to make sure that everyone is complying with these requirements. They can conduct audits, improve workflow, and they will be responsible for presenting training sessions. If you are self-confident, have good people skills, and possess the ability to improvise, this is a position that you may be able to handle.

If you decide to become a human resource consulting, it’s very easy to do. It will take several years of training, a college education, and the desire to work in this type of position. Once you have your degree, and you are able to apply for a local HR position, you may soon have one of these lucrative jobs that will be very rewarding.

Just remember that this is a position that does require you to be very forthright. You are in charge of procedures and policies that must be enforced on a regular basis.

If you are a self-starter, then you do not have a problem giving orders, this might be the perfect managerial position for you.

What Is Keyword Optimization?

What Is Keyword Optimization

What Is Keyword OptimizationKeyword optimization, which for lack of a better word is used to describe the act of researching and analyzing the best keywords. It is also known as keyword research. In the initial stages of the search engine marketing, keyword optimization acts as an essential aspect of the organic and paid search.

Keyword research requires keenness in selecting the target words; this is because the search optimization mainly thrives on choosing the target keywords, and it is therefore very imperative to get the keyword optimization right.

Optimizing keywords is however not something you are only meant to do at the search marketing campaign onset, it is also necessary to keep discovering the new keyword opportunities, to ensure its expansion for your reach to a variety of keyword verticals.

Keyword optimization is thus a continuous process and not exactly a set it to forget it process.

According to some research done, keyword research is said to be one of the most mind-wrecking tasks in the search engine marketing. Due to its unusually tricky nature, most of the bloggers and site owners do not spend their time in optimizing keywords, and this is odd, mainly because optimization of keywords is the most vital component of both PPC and SEO.

The main benefits of keyword optimization lie in its distinct ability to:

• Drive the qualified traffic to your website.

This is majorly done by optimizing the main keywords you search for.

• Measure the traffic potential

Includes analyzing the availability of keywords to help in gauging the size of the potential online market.

• Write effective content

This is through the incorporation of some of the optimized keywords as part of your website material. This helps you connect fast with your potential customers, and also get to address their specific needs.

• Understand the user behavior

Keyword optimization helps you get a general idea of what your consumers need and the various ways to service their needs. This is through the analysis of words that your customers use.

Keyword research plays a very distinctive role in the different aspects of internet marketing, link building and also content strategy and is the backbone research and optimization technique for any quality seo agency. The information being passed is in various ways used to group your keywords in your ad groups and even the details on how your site is organized.

When determining the keywords to choose in your optimization capabilities, it is imperative to evaluate: The keyword popularity, and this goes to say; the more popular a specific keyword is, the higher the amount of traffic it will be able to bring to the website. A popular keyword primarily means that more individuals search for it.

Regarding choosing the keywords by popularity, it is efficient to target the most distinct keywords and to target less of the competitive keywords.

Keyword optimization further relies on specific tools and resources, to assist in choosing the right keyword for web copy, blogging and landing page. Some of the best tools that are used to discover, analyzing and optimizing keywords include tools for keyword suggestion such as the WordStream Suite of Free Keyword Tools and SEO Book Keyword Suggestion Tool.

Evaluate the Market if You Want to Beat Your Competition

The second thing you need to pay attention is your market. Before you act and decide to make some moves, you need to do research about the market you intend to conquer. Sometimes this is very difficult. However, modern technology is very helpful, and it allows you do your research completely for free.

Take Facebook, for example; you can use it to see what the interest of your friends is and which field is the most important to them. The best thing about this is the fact you can do it all for free.

Others also use different kinds of application to get to your information. There is a little catch about this, that is, a little pop-up window that asks you to allow a lot of actions if you want to proceed. In most cases, people click I agree to take a test as quickly as possible. It is an excellent way to take a survey about your desired market.

The better you know your target audience, the easier you will conquer it.

Use Face book as your most powerful weapon

Facebook is very useful tool. You can collect your target audience in one place, that is on your friend list and start your research. You can discover a lot about people by using their FB profile. You can see what their interests, habits are and what products they like to use, all this to improve your offer. You will be surprised how fast you can evaluate your market this way.

Make a page to promote yourself

An ideal way to attract your audience and promote yourself is to create your page. You can be an admin that is going to track all the activities on the page and control the situation. As an admin, you have an opportunity to watch statistics. You can see how your audience reacts to some videos, posts, and others. It is very useful and powerful tool, one of my favorites on FB.

How to Make Your Product Known to the World?

The best way to promote yourself is to hire your PR and let him do the rest. But what if you have a limited budget and you are not able to pay it, and you have a great product that you want to offer to the world. In this case, you need to use all the possible options.

The Internet as the most powerful weapon

Depending on your target group you can choose different kinds of sites and applications on the internet. From Facebook, Instagram to Twitter you can express your opinion but also promote yourself or your product. If your area is graphic design, then Instagram is an ideal internet weapon for you. You can post your works and see how many people are going to follow you.

Another way to use social media if you are a celebrity, politician or someone who needs to be known by its way of thinking, use Twitter and express whatever you want in only 140 characters that you can post on a daily basis. Take Trump, for example, he used Twitter for his campaign and to get through to every single person in the USA.

Use hash tag

No matter what you post, use the hash tag and this way you will attract the exact group that you want. You will avoid unnecessary followers that you are not interested in. This way you will achieve that your product appears and goes with the similar subjects.

Make sure you leave an option for feedback of your customers

People simply like to hear other people’s opinion, and feedback is more than excellent choice. If you want to allow them this, just leave a space for feedback on your site. You can let them to upload pictures and to show the results they had managed to achieve. If you are 100% sure in quality of your product you should arrange this option.

Make a catchy jingle or a logo with the hidden message. Use your imagination to present yourself in the best light. Use catchy jingle or slogan and people will easier memorize it.