Which Health Insurance Plan Is Best for Me?

Health insurance has proven itself of great help and financial aid in certain cases when events turn out unexpectedly. In times when you are ill and when your health is in grave jeopardy and when finances seem to be incapable to sustain for your care, health insurance is here to the rescue. A good health insurance plan will definitely make things better for you.

Basically, there are two types of health insurance plans. Your first option is the indemnity plans, which includes the fee-for-services and the second is the managed care plans. The differences between these two include the choice offered by the providers, the amount of bills the policy holder has to pay and the services covered by the policy. As you can always hear there is no ultimate or best plan for anyone.

As you can see, there are some plans which may be way better than the others. Some may be good for you and your family’s health and medical care needs. However, amidst the sweet health insurance plan terms presented, there are always certain drawbacks that you may come to consider. The key is, you will have to wisely weigh the benefits. Especially that not among these plans will pay for all the financial damages associated with your care.

The following are a brief description about the health insurance plans that might be fitting for you and your family’s case.

Indemnity Plans

Flexible Spending Plans – These are the types of health insurance plans that are sponsored when you are working for a company, or any employer. These are the care plans inclusive in your employee benefit package. Some of the specific types of benefits included in this plan are the multiple options pre-tax conversion plan, medical plans plus flexible spending accounts, tax conversion plan, and employer credit cafeteria plans. You can always ask your employer of the benefits included in your health care/insurance plans.

Indemnity Health Plans – This type of health insurance plan allows you to choose your own health care providers. You are given the freedom to go to any doctor, medical institution, or other health care providers for a set monthly premium. The insurance plan will reimburse you and your health care provider according to the services rendered. Depending on the health insurance plan policy, there are those that offers limit on individual expenses, and when that expense is reached, the health insurance will cover for the remaining expenses in full. Sometimes, indemnity health insurance plans impose restrictions on services covered and may require prior authorization for hospital care and other expensive services.

Basic and Essential Health Plans – It provides a limited health insurance benefit at a considerably low insurance cost. In opting for this kind of health insurance plan, it is necessary that one should read the policy description giving special focus on covered services. There are plans which may not cover on some basic treatments, certain medical services such as chemotherapy, maternity care or certain prescriptions. Also, rates vary considerably since unlike other plans, premiums consider age, gender, health status, occupation, geographic location, and community rated.

Health Savings Accounts – You own and control the money in your HSA. This is the recent alternative to the old fashioned health insurance plans. These are savings product designed to offer policy holders different way to pay for their health care. This type of insurance plan allows the individual to pay for the current health expenses and also save for untoward future qualified medical and retiree health costs on a tax-free basis. With this health care plan, you decide on how your money is spent. You make all the decisions without relying on any third party or a health insurer. You decide on which investment will help your money grow. However, if you sign up for an HSA, High Deductible Health Plans are required in adjunct to this type of insurance plan.

High Deductible Health Plans – Also called Catastrophic Health Insurance Coverage. It is an inexpensive health insurance plan which is enabled only after a high deductible is met of at least $1,000 for an individual expense and $2,000 for family-related medical expense.

Managed Care Options

Preferred Provider Organizations – This is charged in a fee-for-service basis. The involved health care providers are paid by the insurer on a negotiated fee and schedule. The cost of services are likely lower if the policy holder chooses an out-of-network provider ad generally required to pay the difference between what the provider charges and what the health insurance plan has to pay.

Point of Service – POS health insurance plans are one of the indemnity type options in which the primary health care providers usually make referrals to other providers within the plan. In the event the doctors make referrals which are out of the plan, that plan pays all or most of the bill. However, if you refer yourself to an outside provider, the service charges may also be covered by the plan but the individual may be required to pay the coinsurance.

Health Maintenance Organizations – It offers access to a network of physicians, health care institutions, health care providers, and a variety of health care facilities. You have the freedom to choose for your personal primary care doctor from a list which may be provided by the HMO and this chosen doctor may coordinate with all the other aspects of your health care. You may speak with your chosen primary doctor for further referrals to a specialist. Generally, you are paying fewer out-of-pocket fees with this type of health insurance plan. However, there are certain instances that you may be often charged of the fees or co-payment for services such as doctor visits or prescriptions.

Government-Sponsored Health Insurance

Indian Health Services – This is part of the Department of Health and Human Services Program offering all American Indians the medical assistance at HIS facilities. Also, HIS helps in paying the cost of the health care services utilized at non-HIS facilities.

Medicaid – This is a federal or s state public assistance program created in the year 1965. These are available for the people who may have insufficient resources to pay for the health care services or for private insurance policies. Medicaid is available in all states. Eligibility levels and coverage benefits may vary though.

Medicare – This is a health care program for people aging 65 and older, with certain disabilities that pays part of the cost associated with hospitalization, surgery, home health care, doctor’s bills, and skilled nursing care.

Military Health Care – This type includes the TRICARE or the CHAMPUS (Civilian Health and Medical Program of the Uniformed Services) and CHAMPVA (Civilian Health and Medical Program of the Department of Veterans Affair). The Department of Veterans Affair (VA) may also provide this service.

State Children’s Health Insurance Program – This is available to children whose low-income parents were not able to qualify for the Medicaid.
State-Specific Plans – This type of plan is available for low income uninsured individuals.

There are many different types of insurance plans that you may have the prerogative to know about. By learning which health care insurance fits your situation, you can avail of the many options that will likely be of great assistance to you in times when you will need it most. Insurance costs have typically become one of the common draw backs in choosing for an insurance quote. However, weighing the benefits will really matter. Make sure that you always read the benefits, terms and conditions before landing to whichever type of health insurance you choose.

How to Choose Insurance Plan for Yourself and Your Loved Ones

If you’re new to the ‘World of Insurances’, you may not know what insurances to purchase. Some may buy it because the agent’s is their friends or relatives. It could also because they want to help the agent’s meeting his/her production target rather than fulfilling their insurance needs. Whatever the reasons are, it end up that their first insurance plan may be differs from their actual needs.

Most established insurance firms carry out needs analysis session of their potential clients first before recommending any relevant products. The analysis is to understand the potential client’s ASPIRATION, CONCERN and FINANCIAL STATUS before an appropriate proposal can be drafted to meet those needs. Only after the relevant info has been collected, can an insurance consultant work towards addressing the client’s needs.

Being a customer or a client of an insurance firm or broker, you also need to prioritise your needs in planning towards your financial goal. To help you understand what you are looking for in buying insurances, here are some insights that may be useful to you.

First, ask yourself this question: What is the purpose of having insurance? Is it meant for the protection of income for your loved ones? Or to cover your medical expenses due to illness or accidents? Or for your retirement needs? Or to have sufficient funds to send your children for their varsity studies? If you have limited cash to spare on this, start with one or maximum two needs first.

Next, you need to ascertain your affordability. Most insurance plan is meant for a long term commitment. Make sure to keep the plan in force for as long as possible. Early or pre-mature termination of plan may result in loss of benefits or lower return (if any). Some plans have a flexible premium paying term, for example, a plan is still in force after a certain years of premium paying term of 15 or 20 years.

So, what is the best plan for most people? There is no fixed answer to that as every individual needs is unique. Generally, insurance plans are categorized in the following manner:

a) Term Plan – This is the most basic plan for everyone. You can have a higher coverage at the lowest possible premium. Of course, the premium depends on your age at inception of the policy and your medical status. Generally, such plans only provide coverage against death (regardless of the cause) and total and permanent disability. (The definition of total and permanent disability varies from firm to firm.) This plan is also known as ‘pure’ insurance – it only pays based upon the Principle of Indemnity (paid only if there is loss). As the name applies, “Term Plan” has its expiry date, for example, 10, 15, 20, 25 or 30 years from the date of inception or it is tag to the insured age till 60, 65 or 70 years old. If the insured terminates the policy earlier, the premium payment will stop, and so does the coverage.

b) Whole Life Plan – Most working adults would like to have this plan. If you plan to own one, start this plan at a younger age as the premium is much lower. The premium to this plan will be fixed throughout your lifetime (except for addition of riders). It gives you the basic protection against death and total and permanent disability. Whole Life Plan is usually a ‘participating policy’ which means the amount of protection will grow (increase) over the years as the insurance company ‘invest’ part of the premium and give it back to the policyholders through dividends or an added coverage. The amount of dividend paid will fluctuate with the insurance company’s investment performance. Although this plan has a ‘Cash Value’ – which is the amount to be paid out in cash upon its termination, early termination may result in losses and therefore not recommended. As a ‘Rule of Thumb’, policies in force for more than 20 years will have cash value higher than the premium paid. Some of this plan also come with limited payment term whereby the insured only need to pay a certain period, say 15 or 20 years but yet having a lifetime coverage.

c) Saving or Endowment Plan – As the name implies, this plan is more for those who want to save for certain purposes such as wedding, buying a house, further studies, etc. One thing to note is for the plan ‘to grow’, it requires time. Therefore, this plan works well if your purpose is building fund for your child’s education, planning your own retirement or anything whereby you need cash 18-25 years down the road. Short term planning may not be feasible. This is also a participating policy and has cash value. Once the plan has reached its maturity, the whole policy will pay out and your coverage ceased. You cannot extend the period any further. Therefore, you need to plan properly before taking such policy.

d) Investment Plan – Insurance companies also promote investment plan for its policyholders. If you’re competent investor in stock market yourself or other form of investment, I is best you avoid such plan and invest on your own. This is because investment plan has more charges – insurance charges and investment charges. Investment charges include bid-offer spread, annual fund fee, top-up fee (if any) and other distribution charges. The insurance charge is deducted from the units that you bought and is calculated on monthly basis. Furthermore, you will be subjected to the fluctuating unit prices. The only difference is that should there be a claim on death or total permanent disability, the amount paid up will be the sum of insurance coverage and the value of your underlying units.

e) Riders – These are additional protection benefits that you may seek with an additional premium. Among the riders available are ‘Critical Illness’ riders, ‘Accident’ riders, ‘Hospitalization’ riders, ‘Waiver of Premium’ riders and many more. Usually, when claim made on this riders, the main (basic) plan will not be affected as the riders work on the principle of indemnity.

Differences Between Local and Global Health Insurance Plans

While investigating healthcare options, many people will have noticed that there is a great variety of health insurance options. Depending on the local healthcare system of the country you’re looking for health cover in, the local private health plans will be similarly varied in order to meet the needs of the populace that may be going unfulfilled by the healthcare system.

However, while each country may have their own local health plans, there are also global health insurance plans that can provide health coverage around the world. Local plans will be typically limited to covering healthcare in their own country, although some insurance providers are looking into plans where medical tourism may help keep costs low. Global health plans on the other hand will provide health insurance coverage internationally; depending on the quality of the local healthcare system, this would allow the policyholder to seek treatment somewhere where they feel the facilities could provide satisfactory care.

Geographical Coverage

Given that local health plans will only cover the policyholder in the country it was taken out in, if the policyholder relocates to another country, they will have to take out a new policy in the country they have moved to. Should the policyholder have developed a long term illness prior to moving, then this illness will probably not be covered under new health policies as it will be a pre-existing condition. Global health insurance plans will typically only require the policyholder to file a change of address form, whereby coverage will continue. This is often referred to as the portability of the insurance plan.

Renewability

While many of the differences between global and local health plans come down to their geographic areas of coverage, there are other areas in which how the plans are structured diverge. One such divergence is how local or global health insurance plans will renew policies, or more specifically for how long. Often times, both local and global medical insurance plans will place age limits on applicants that they will accept, with 65 being the general cut off point, although some insurers may allow people up to the age of 80 to apply. What sets the local and global plans apart is that most local health insurance plans will often not renew the policyholder’s plan when they get older, whereas most global plans will guarantee the ability to renew the plan for as long as the policyholder wishes.

Calculating Premiums

Local and global health insurance companies also typically have a different system for assessing and adjusting their premiums every year. Most global health insurance plans are referred to as being ‘community rated’ meaning that when the insurance company is reviewing their plans, they decide how much the next year’s premiums will cost based on the age of everyone on the plan and the growth in medical inflation. Most local insurance plans will typically be ‘experience rated’ meaning that while they also take medical inflation into account, the majority of your premium will be calculated based on your claims history. This means that when you first take out the local private medical insurance, it will likely be quite inexpensive as you haven’t made any claims. Once the plan comes up for renewal, the insurer will look at your claims history for the year and raise your premiums accordingly.

While this highlights the biggest differences between local and global private medical insurance plans, there are other differences such as the typically higher annual limits on benefits with global plans. While some plans may be similar, the exact coverage of benefits will vary by insurer. It is important to make sure that as a policyholder one understands what coverage their plan offers them, whether it is a local or global policy.

Know More About Types of Health Insurance Plans in Florida

Individual, families, groups, and businesses need customized health insurance plans to ensure that they have to spend minimum out-of-the-pocket money for their healthcare needs. With the implementation of healthcare reforms, the options for buying health insurance are widened.

With the advent of internet technology, the concept of transparency of price is gaining momentum. Insurers in Florida health insurance are facing a compelling need of price transparency when they offer health insurance quotes to their clients. At the same time, application time and waiting time for health insurance has reduced significantly as compared to earlier times.

Types of health insurance plans offered in Florida
Apart from State and Federal governments’ sponsored program including Medicare, Medicaid, etc., there is an option of buying health insurance from private companies. Like many other states, health insurance plans in Florida are offered to the residents in traditional format. These could be classified as:

1. Individual health coverage
2. Family health coverage
3. Group insurance
4. Student health coverage
5. Dental health insurance
6. Low cost insurance
7. Low-income families insurance
8. Short-term insurance
9. Small business insurance

Companies offering health insurance Florida
Below is the list of health insurance companies offering health insurance to the residents of Florida:
• Aetna
• AMS
• Assurant
• Avalon Healthcare
• AvMed Health Plans
• Blue Cross and Blue Shield
• Celtic
• Cigna
• Coventry
• Golden Rule
• Humana One
• IAC
• Solera Dental
• Vista

Types of health plans offered in Florida

A lot of consumer end up having discount coupons, which sometimes are termed as health plans; however, it needs to be understood that these discount coupons are not insurance. To buy affordable health plans in Florida, consumers need to equip themselves with proper knowledge about the same.

Traditional categorization of health coverage in Florida offers indemnity and managed care health plans. Indemnity health plans have the insured file claims for reimbursement. While managed care health plans allow the providers to file claims for the insured person.

Managed care health plans are further categorized as HMO, PPO, and POS.

Impact of the Affordable Care Act on insurance in Florida
• 290,000 small businesses in Florida will be offered tax credits for offering health coverage to their employees.
• Medicare beneficiaries in Florida will be automatically mailed a check of $250 to defray the cost of their prescription drugs.
• Early retirees will be offered reinsurance options.
• Uninsured Floridians with pre-existing condition will have a huge boost with $351 million federal dollars made available to Florida starting July 1 to provide coverage.
• Like many other states, for the first time ever, Florida will have the option of Federal Medicaid funding for coverage for all low-income populations, irrespective of age, disability, or family status.
• 8.8 million Floridians will no longer have to worry about lifetime limits on the coverage.
• Around 1.1 million individuals will not have to worry about getting dropped from coverage when they get sick.
• Children in Florida will be able to stay with their family insurance policy till the age of 26 years.

Costs involved in a health coverage plan in Florida

It is important to understand types of costs involved in a health coverage plan to make sure that Floridians have assessed everything before they finalize a health plan. We talk about the types of costs involved in a health coverage plan:

Premium-premium is the amount of money to be paid on monthly basis. Premium is the main cost that a health plan constitutes. It could vary from person to person and in plan to plan. It mainly depends on the age, gender, and health status of a consumer applying to get health coverage.

Deductible-deductible is the second major cost involved in a health plan. It is the amount of money that a consumer pays before the insurer actually begins to pay for the coverage. With higher deductibles, premium costs are reduced.

Coinsurance – coinsurance, as the name explains itself, is the amount of money that the consumer agrees to pay in percentage of the total cost of medical service after the deductible has been paid. Generally, it is usually 80/20 of the total value where 80% of the cost is paid by the insurance companies while the 20% is by the consumer.

Overseas Travel Insurance Plans – Costs Less and Offers More

Everyone craves for vacations to enjoy some quality time with their loved ones and Indians are no exception. The outbound travel sector of India saw a robust growth this year because international travel destinations are highly sought-after among Indians in 2015. Obstacles like inflation, skyrocketing ticket price and depreciation of rupee couldn’t deter the wandering spirit of Indian travelers to travel around the world. Over 60% of Indians remain unmoved by the depreciating rupee and are raring to go to travel. However, the rate of availing travel insurance to safeguard the trip is still dismal among Indian travelers.

Young generations prefer to travel to international destinations once a year at least. According to a survey, 90% of these travelers make use of their own savings for overseas trips and don’t consider travel cover. Quite surprisingly, this is the mindset of young internet savvy generation as ICICI Lombard conducted the survey in the age group of 25-35 among 1049 people across six metro cities in India who had international trips in the previous year.

The survey further reveals that Singapore is the most preferred travel destination among young Indian travelers; the second and third places are held by US and UK.

Let’s take a look at the travel plans available and their prices for those who favor these destinations. Let’s start with Singapore.

Travel insurance plans available for Singapore trips

The following list of top 5 policy quotes in terms of lowest premium are for one 30 years old person looking for a single trip to Singapore. The trip duration is 10 days and the chosen sum insured is US$ 500000.

Universal Sompo – Premium of Rs. 942
HDFC Ergo – Premium of Rs. 1015
Reliance – Premium of Rs. 1129
TATA AIG – Premium of Rs. 1234
Religare – Premium of Rs.1666

The lowest premium is Rs. 942 for a travel insurance plan for a 10 days trip to any Asian country such as Singapore, Thailand. This means one has to pay less than Rs. 100 per day to make his trip safe and secured. Indian travelers must know that travel plans are not only inexpensive but they also provide coverage for loss of baggage, passport, hijack and even emergency treatment.

Travel Insurance plans available for UK trips

The following list of top 5 policy quotes in terms of lowest premium are for 1 person looking for a single trip to UK. The trip duration is 10 days and the chosen sum insured is US$ 500000.

Universal Sompo – Premium of Rs. 942
Bajaj Allianz – Premium of Rs.991
HDFC Ergo – Premium of Rs. 1015
Reliance – Premium of Rs. 1129
Bajaj Allianz ( Travel Elite Platinum) – Premium of Rs. 1139

Universal Sompo provides the lowest premium. The premium of travel insurance plan is also Rs. 942 for a 10 days trip To UK.

Travel insurance policies for US trips

The following list of top 7 policy quotes in terms of lowest premium are for 1 person looking for a single trip to US. The trip duration is 10 days and the chosen sum insured is US$ 500000.

Universal Sompo – Premium of Rs. 1344
HDFC Ergo – Premium of Rs. 1438
Bajaj Allianz – Premium of Rs.1441
IFFCO-TOKIO – Premium of Rs.1456
Bajaj Allianz ( Travel Elite Platinum) – Premium of Rs. 1658
TATA AIG – Premium of Rs. 1694
Reliance – Premium of Rs. 1783

The lowest premium is Rs. 1344 for a travel insurance plan for a 10 days trip to US. Just imagine, you are getting all types of risks covered just by paying less than Rs. 140 for each day of your trip.

Best travel insurance plans in India in terms of baggage and medical coverage

The survey also made clear that 79% people buy travel plan to cover medical emergencies. Safety of baggage is the second most vital reason as 60% people behind purchasing travel insurance policy. So let’s find out best travel insurance plans in terms of medical emergency and luggage safety.

From the above list of travel policies for US, two plans by Reliance and Bajaj Allianz look best in terms of baggage cover.

Reliance Travel care platinum provides US$1500 for the loss of checked baggage for a premium of Rs.1783.

The Travel Elite Premium plan by Bajaj Allianz provides US$ 1000 for a premium of Rs. 1658 for the loss of checked baggage.

To get the best coverage for medical emergencies, the Titanium plan by HDFC ERGO is the best. It primarily covers:

Emergency Medical Expenses
Permanent Disablement/accidental death
Hospital Cash
Loss of Personal Documents
Accidental Death
Loss of Baggage
Financial Emergency Assistance
Personal Liability

What is the cost of international travel policy for a couple?

According to the survey, 52% of travelers prefer to have trips with spouses. So, if these people can avail a travel plan for visiting US or UK or Singapore, how much do they have to pay?

Let’s start with US trip for 10 days for a sum insured of US$ 100000 covering 2 people who are 30 and 28 years old.

Religare offers the best plan which comes at a premium of Rs. 2407.

If you compare travel plans available for couples who wish to visit UK, keeping the same criteria for trip duration, sum insured and age of the traveler, Religare provides the best plan. The premium of the plan is Rs. 1537.

For a trip in countries like Singapore, Thailand within Asia which has been the top travel destination of 2015, a couple has to spend even less for a travel insurance policy. If you compare travel insurance plans that cover Asia, you will get the lowest premium of Rs. 1218 from Explore Asia plan provided by Religare.

The positive part of the survey is the increased awareness among Indian travelers. More than 90% of young generation is aware of the travel insurance which is a significant rise from last year’s 80%. One of the major provider of travel insurance plans in India; ICICI Lombard underwritten a total travel insurance premium of Rs 100 previous year, one can expect the premium to increase by 5-10% in this year. The problem is not with the awareness; it is the lack of understanding about the benefits associated with these travel covers.

27% of the total respondents in the survey choose not to avail a travel insurance plan simply because they were under the wrong conception that such plans cover only accidents, loss of baggage and theft but don’t provide medical coverage. This is far from being the truth as the complete break-up of Titanium plan by HDFC ERGO shows extensive coverage for medical emergencies.

25% surveyed people didn’t buy any travel plan because they thought such plans are costly but it is not so. The price of all plans for person mentioned here are about less than Rs. 100 to less than Rs. 140 for each day of a 10 days trip. Travel insurance policies for couples are even cheaper as they cost in the range of less than Rs. 65 per day per person to less than Rs. 125 per day per person for destinations like US, UK and all countries in Asia including popular destinations like Singapore, Thailand.

Indians love to spend their holidays in international destinations. An international travel insurance plan doesn’t cost much and offers a lot in return. If you are also a travel freak, you should insure the total duration of the trip so that you can enjoy your holiday with complete peace of mind.

How To Make Money Using an Udemy Online Teaching Course

A few decades ago, it was hard to find a good teacher. The only option that you had was to look for one in your area because the Internet was not available at that time. Nowadays, the internet has made it a lot easier to learn from the comfort of home. If you have been thinking of taking a certain course to hone your skills, we suggest that you check out Udemy. Let’s find out how people make money on Udemy by launching courses through websites. Read on to know more.

What Is Udemy?

Basically, this platform brings both students and teachers together. As a matter of fact, Udemy is one of the top platforms for online courses. It offers a lot of free tools and support for instructors to develop courses and make money from them.

Udemy allows anyone to create a course and offer it to everyone across the globe through its platform. Nowadays, the platform has more than 15 million students from more than 190 countries. Moreover, it has courses in more than 80 languages.

Launching a Course

If you want to submit a course on Udemy, you may want to follow the steps below. We will talk about each step in detail so you can get started without any problem.

Sign up

First of all, you may want to go to the home page of Udemy and sign up for an account, which will cost you nothing. As soon as you have signed up, you can access tons of free as well as paid courses.

Course creation

After signing up, you can hit the “Teaching” button. The “Create a course” button will show up that you can press to create a course and become a tutor.

Udemy revenue model

For course creation, Udemy won’t charge you any fee. On the other hand, for selling, you do have to consider the revenue model offered by the platform. Let’s find out more about the revenue model.

Instructor promotion

After a lead generation, the entire revenue goes to the course instructor. For instance, if a lead is generated through the coupon code given by the course creator, the instructor will get the revenue.

Organic traffic

If the course buyer comes to the platform through organic traffic, 50% of the revenue will go to the course creator. And the rest will go to the website. So, there is a lot of money to be made even if you don’t use other means to get the word about your courses.

Other revenue sharing model

This revenue sharing ratio can be between 25% and 97%. Actually, the ratio is based on the fact whether the customer comes to the platform via deals, ads or affiliates. So, based on these factors, the revenue can be more or less.

Resources for Udemy

Udemy helps you throughout the process. Whether you are going to create a course or you want to promote, the platform has resources for you. Udemy offers tons of free resources that help you make your course a success. As a matter of fact, the free resources on this platform are on the list of the best advantages of Udemy, as they help you make money from your course without too much struggle.

So, if you have been thinking of creating a course and publishing it on Udemy, we suggest that you take into account the advice given in this article. Just make sure your course is interesting and it can help your students learn new things. And that’s all you need in order to sell your courses and make a lot of money.

Ideal Solutions To Success Online

If you have ever spent time looking for ideal solutions to success online, you could find yourself very frustrated. You found that there are basic ways to succeed in this line of work. You know that online work isn’t hard, physical labor. Working online is easy in that there isn’t a lot of physical work involved. People who work hard as builders, factory workers, office personnel and in administration, must work hard and produce good results or they no longer have a job. Online work isn’t hard physically. However, it takes tenacity, perseverance, and a little knowledge to be successful. Perhaps herein lies part of your annoyance. Let’s look at some things that bring frustration into your ideal online performance. The items are not listed in any particular order of difficulty or ordered frustration levels.

Number 1, Building a Website

The number one thing that frustrates many people and keeps them from being successful online is building a website. This one thing kept me from being successful online years ago. When you find the right training building a website can be really easy. You don’t have to know HTML to build one today. You can learn how to make a website at certain locations on the Internet. There are places where you can learn how to make a free website.

Number 2, Finding a Domain Name

The best way to relieve frustration from finding a domain name is to first find the niche you want to promote. The name of your site needs to match the niche you have chosen. So, the way you keep this from being frustrating is to identify your niche, and then write a list of 10 to 15 names that describe your niche. It’s like choosing a title for a book, the title must tell what the book is about. Same with your domain name. It must tell what your niche is about. I prefer to stick with a .com. It’s just a personal preference that you don’t have to adhere to.

Number 3, Getting Site Ready

Until you learn, getting your site ready for search engine optimization can be really frustrating. Actually, it can be next to impossible if you don’t have the proper training. Again, I have a page for you to review that explains the ins and outs of preparing your site for SEO. Again, you can write articles, use social media such as Facebook, Twitter and Pinterest. The big question you need to ask is, “Where are you going to get the training and knowledge on how to make these ideas work for you?”

Number 4, Getting Traffic

The number one goal for any marketing site is to drive traffic to it. There are many ways to do this, but the only way I choose to do this is by writing good content for my website. What if you can’t write, or at least you think you can’t? Many sites offer training on how to write.The training on a few sites is phenomenal. Every bit of the training is to help you build a site, monetize it and then drive traffic to it. You can learn so many ideas on what to write that you will never run out of something to write about. Getting traffic is almost done for you. All you have to do is follow directions.

Number 5, Training

Before I found a helpful site, training was my nemesis. The lack of training defeated me every time and cost me money. The training I have gotten has given me a handle on success. I have learned how to succeed because I have been trained well. Following are a few things I have been able to find online:

Certification Courses: 5 Levels

1. Getting Started

2. Build Your own Traffic Producing Website

3. Making Money!

4. Mastering Social Engagement

5. Achieving Maximum Success Through Content Creation

Each level has several courses and the training available to make you successful! I repeated most of the lessons. Some were simple but needed more exploring. Others were new to me and my then limited expertise. I can’t believe how much knowledge is packed into these lessons. Yet the progress from one step to the next is given in easy steps for those who aren’t technologically proficient when they begin the courses.

You Get All the Training

Every site that I tried before this would promise they could teach me how to be successful. What they taught me was that I needed to hire a group of professional online gurus to help me build a successful online business. I paid good money to learn this, too. Their ads said that even a monkey could learn how to use their program. I guess that I’m not as smart as a monkey because I couldn’t begin to understand what they were trying to teach me. “You’ll never believe how easy it is to make money online,” their ads read. I learned the hard way, out of pocketbook hard way, that paper will lie still and let you write anything on it. At least the paper they wrote on did! I was never able to follow more than the first couple steps. Not nearly enough to learn anything. However, all that has changed now. Since I found this site, I have learned how to be successful online. All I’ve done since I’ve been here is grow and grow. That’s where I am. That was what I was looking for in the first place. Can I tell you that I found a place where you can work at your pace, make the amount of money you want to make, and work when and where you want to.

Work for Yourself

The best boss you will ever have is YOU. Working for yourself online doesn’t require lots of energy. You don’t have to have a specific location where you go to work. With today’s technological advances, you can work from nearly anywhere. I prefer to work at home with my family nearby. That’s where you can find yourself, too. Are you ready for the change? Are you ready to be your own boss? Then don’t wait! Visit me to begin today!