Tuesday, May 31, 2011

Immersion ? Online Gaming Distractions ? Games

RoosterTeeth.com and http for more! Ever wonder what effect other players have on your online gaming skills?

Tags: Distractions, Gaming, Immersion, online

Source: http://game.readmythought.com/immersion-online-gaming-distractions/

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Health And Fitness ? 12 Crucial Virtual Assistant Pointers On Ways ...

Having an ergonomic workplace is essential to a healthy and productive workforce. You will get more done, improve your sense of well being, and consistently maintain a higher level of energy throughout your day. As just about every virtual assistant knows from experience, through office ergonomics you can arrange your workstation so it keeps your body in proper alignment as you go about your daily tasks. Below are 12 key points for creating ideal ergonomics in you office.

1. An adjustable desk. This lets you adjust its position for taller or shorter individuals, an essential feature when more than one person uses the same office desk. The desk should be at a height where your knees and thighs fit comfortably under it. Office ergonomics also suggests that the desk be large enough to accommodate your needs and that items are placed within arm?s length reach. This limits the need of bending or twisting often to access something.

2. An adjustable chair. For those people who spend quite a bit of time sitting down as a work requirement, the chair is a crucial point in the crusade for office ergonomic excellence.It should have an adjustable back, seat height, arm rests, lumbar support for the back and a padded, breathable seat. As any virtual assistant will explain; if it?s a rolling chair, five wheels are recommended for ease of movement and minimal tipping risk.

3. Proper computer monitor placement. First and foremost, your computer monitor should be adjustable so the top of the screen is at eye level. It should be placed directly in front of you, about an arm?s length away. Glare guards or a plasma screen can help reduce eye strain. To prevent vision problems, a computer screen should be at a 90-degree angle to a window, not in front of or next to it.

4. Adjustable keyboard tray. Computer desks that come equipped with a keyboard tray could cause problems if you are unable to adjust its height for proper positioning. The keyboard tray area should be wide enough to handle a mouse, keyboard, and whatever other accessories you have to utilise. Any good virtual assistance specialist will say that wrist supports are also recommended so you can take short breaks from typing and rest your wrists in the proper position.

5. A keyboard with curves. Office ergonomics research has shown that a curved or contoured keyboard helps lower the risk of hand, wrist and shoulder problems. The keyboard should be positioned at a height where your elbows remain close to your sides and bent no more than 90 degrees. If you feel any neck, arm, or hand discomfort, you may want to attempt to adjust the tilt and position of the keyboard If this doesn?t immediately solve your discomfort, look into buying a keyboard which is balanced ? doesn?t have a numeric keypad on the right side, so you can centre it in front of you as you type without having to reach so far to the right for the mouse. I personally would recommend the Apple wireless, and yes, it works great with Windows as long as you have Bluetooth.

6. An ergonomic-friendly mouse. Medical conditions originating from using a mouse in repetitive movements are everyday occurrences in offices everywhere. Replace the standard mouse with one with a trackball or touch pad to relieve motions that can lead to repetitive stress injuries. To eliminate continuous reaching, the computer mouse should be in the keyboard tray next to the keyboard.

7. Add a footrest. Office ergonomics is all about proper alignment of your body for total comfort. A footrest is essential for supporting your legs. It also prevents lower back strain, in particular for people whose feet do not reach the floor when sitting.

8. Focus on posture. Although it?s difficult to think about your posture while working, it is important to prevent skeletal muscle injuries. Focus on standing tall, with minimal slouching or leaning. If you stand on your feet all day, try to change positions by shifting weight. When sitting, your thighs should be parallel to the floor and your feet flat on the floor or on a foot rest. Your shoulders should be relaxed and your neck in a neutral position. Rather than twisting to reach something, turn your whole body. Try to vary positions frequently and take short breaks.

9. Proper lifts. No matter the job, there?s always some form of lifting involved. Whether it?s lifting mail bins or files from a desk, without proper form back injuries are inevitable. When heavy lifting is required, back support belts are an absolute necessity in the working environment. For minor lifting, remember to bend your knees and keep the back straight.

10. Accessorize ergonomically. There are various items that should be used in the workplace but are often overlooked when evaluating office ergonomics. For example, you can minimize eye strain with a document holder that is positioned level with your computer monitor. This prevents your eyes from having to constantly refocus when looking from paper to monitor. A telephone headset or speaker phone aids in maintaining a proper position when multi-tasking.

11. Limit the noise. You might not put noise in the category of office ergonomics, but low-level noise could harm your hearing and at the very least cause stress. Some typical office noises come from computer hard drives, printers, copy machines, telephones, fellow co-workers and outside sounds. Building improvements to lower noise include adding an acoustic ceiling, installing partitions between workstations, carpeting floors and moving noisy equipment. Employees can wear earplugs to limit their exposure to background noise.

12. Check the lights. Poor lighting is a major cause of vision problems, eye strain and headaches. There are several measures to take to obtain optimal lighting in the workplace. First, as most virtual assistants will recommend, the office should be equipped with full-spectrum lights and have tinted glass or blinds on windows to reduce glare. If necessary, task lighting at workstations should be installed.

When you consider that workplace injuries are extremely costly to a company and its employees, setting up a work area to maximize ergonomics reduces the likelihood of medical conditions like headaches, eye strain, neck and back pain, bursitis and carpal tunnel syndrome. The pursuit of office ergonomics is the way to create a quality work life that minimizes work-related injuries.

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Source: http://health-and-fitness.us/12-crucial-virtual-assistant-pointers-on-ways-to-achieve-office-ergonomics

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4 ways to achieve on-line success with email autoresponders ...

An e-mail autoresponder ought to come as natural to every business. Web surfers stopped seeking at ordinary websites years ago. Now each world wide web visitor wants a web site which is caring and will create a positive relationship with its visitors. It is for this reason that online companies are investing large millions into Customer Relationship Management programs. But if you?re a commence up companies with out the huge capital outlay to put into customer relations, you?ll be able to use auto responders to deliver an amazing warm reception and interaction with their visitors.

To conduct a successful on the internet business, you might want to be guided by available analysis on consumers. Study has lengthy established that, positive and timely responses are crucial ingredients that visitors use to judge how friendly websites are and how they would desire to interact with them. And you may desire to know that visitors are more likely to establish relationships with sites that provide excellent feedback and timely responses.

Auto responders as a result positively answer the call of website owners seeking automated interaction with clients at all facets of their customer relations.

An email autoresponder can securely perform 5 principal company boosting roles for each web site which wants to get a high rating in customer relations and therefore improve customer loyalty.

Acknowledgement:
Autoresponders can let individuals know you?ve got received their emails and that you will soon respond to their enquiry. Even once you are not accessible to reply instantly, you?ll do so at some later time. You see, buyers are predominantly in a state of anxiety and it really is a good marketing and advertising strategy to allay such anxieties.

Individuals purchase with several reasons; one of their becoming an urgent need to do some thing. So acknowledging their emails sets their minds at ease and then they are confident that a reply will likely be forth coming on their enquiry. If you have one thousand emails a day, there is no way you?ll be able to efficiently reply to all these manually and that is where an auto responder comes in.

Notices:
Assuming you had been out of the office for two days along with a customer interested in bringing you a hundred thousand Dollar deal writes to you with the hope of receiving a response so business is transacted. It?ll be very discouraging for him to wait and wait for no answer to come forth. If you have an e-mail autoresponder installed, some preliminary e-mail advertising messages could be sent to the sender; at least informing him of products/services accessible or explain your absence and whenever you will likely be back. If the sender wishes to wait, you can come back to respond appropriately and get the deal finalized.

Confirmation:
In this age of scam and fraud on the net, each and every buyer will want a confirmation of his purchase. An autoresponder confirmation serves two purposes ? it assures the buyer that the goods will probably be forthcoming and it relieves him of the thoughts that he had transacted with a fraudster. An auto responder performing this function will make your customers pleased and purchase from you usually.

Appreciation:
Buyers do businesses an excellent favor by purchasing. Though you?re giving away an item or service in return, consumers want to be appreciated for buying from you. At least they had other a number of alternatives but they chose to purchase from you because they like you or how you conducted your business. You can use an e-mail auto responder to send follow up messages to customers thanking them for their company and assuring them of continued support.

Each business must make it a point to rely on an email auto responder to produce customer satisfaction and loyalty. Modern online businesses cannot afford to lose this portion of everyday web-based transactions.

What you just learned about list building strategies is just the beginning. To get the full story and all the details, check us out at creating a squeeze page

Source: http://hotbuzznews.net/4-ways-to-achieve-on-line-success-with-email-autoresponders

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Monday, May 30, 2011

Customer Service and Call Center Outsourcing, What's The Buzz ...

The buzz is all about customer service and call center outsourcing, also known as BPO (Business Process Outsourcing). According to Gartner, the outsourcing market in Europe has grown with over 6%, BPO with 10%. The market for offshore outsourcing (to low wage countries) is growing with a whopping 40% this year! However, the subject of outsourcing is not without controversy. So what?s it all about?

In the 90s, growth was the motto for organizations. Eat, or be eaten. Through the continual increase of stock value this could be easily financed. As a result, businesses were acquiring activities that are, on the surface anyway, only loosely related to the original business goals, and to each other. The demise of world economy and the burst of the Internet bubble changed all that.

In these days of tight budgets and heightened attention on ROI (Return on Investment) and TCO (Total Cost of Ownership), companies are taking a good look at what they are in business for, and what they are best in. This focus on the core business has lead to the selling of complete branches of companies. Now, businesses go even further by taking a look inward, in search of generic processes to outsource. Finance, Human Resource and Customer Service are now the focus of outsourcing, which was more or less the playground for IT support in recent years.

Outsourcing, the utilization of resources outside an organization, is not a new thing. Barter trading, the oldest form of trading, was in fact just that. One person traded a skill (or a product made through that skill) to get access to another person?s abilities. In the old days, it made perfect sense to let an activity be done by the person most skilled. And old becomes new, as they say.

Benefits of Call Center Outsourcing

It makes sense that a company who?s core business it is to organize and execute a call center, is more likely to do a better job at it (although that?s not a given)! It?s like hiring someone to put a floorboard in your house. You may be able to do a decent job yourself, but they are a lot quicker at it! So efficiency is a clear benefit.

Being in the call center business, call center service providers are more likely to be able to hire skilled and experienced personnel. And, since a service provider (usually) services more than one company, there is more support personnel to go around. This helps continuity, as your service isn?t jeopardized if an employee decides to leave. Also, since the customer service reps are probably working for more than just your company, you can benefit of lessons learned from other contracts.

Ah, didn?t I mention the money? The #1 reason for outsourcing is, of course, to lower costs. Outsourcing companies can have lower rates because of the greater efficiency, but also through economies of scale, which actually means that fewer personnel is needed for servicing the combined contracts than when each company would organize it themselves. Plus, they can easier mix more junior and senior staff, which is a near to impossible feat if you have just two customer service reps!

The money question is getting even more interesting if we take the possibility of off shoring into account. Outsourcing to low wage countries like India is bringing extra financial benefits into the equation (but also some pitfalls, as you?ll see later!). The different work moral is also often viewed as a benefit. For example, in India, workers are very disciplined, and organizing a 24/7 service is easier than in Western countries.

Outsourcing Pitfalls

Outsourcing projects often fail on unclear expectations at both the customer and service provider. When considering outsourcing make sure you yourself have a clear image of what the level of service is that you are expecting. Be as specific as you possibly can. Pick out the elements that are most important to you and think about how this would best be managed. Measurable performance indicators are better.

Remember that outsourcing is a game of trust as well as money. If, when negotiating service levels, you feel that you have to stamp out every eventuality in a contract, I?d advice against outsourcing. I would, however, put an opt-out into the contract, in case trust is lost between the outsourcing partners. Believe me, no partner would want to get stuck in a contract between two distrusting partners. For the rest, focus on measurable Key Performance Indicators (KPI?s) and a clear payment scheme to protect your bottom line.

Anxiety for outsourcing is often fed through the loss of operational control. Remember, you no longer handpick customer service personnel, and you are much more limited in directing the service. Also, you may have to fit in the standard approach of the service provider. But the trade-off for the loss of operational control is more managerial control. But this trade-off only happens if you negotiate your service levels properly, as mentioned earlier.

And then off shoring? With the advent of off shoring, a lot of vendors are now operating the market. But if you?re selecting a partner, don?t rely on the reputation of the vendor alone, but do make sure that you deal with the people who will be managing your service. Take special attention to the level of experience of these people.

The cultural differences can be enormous, especially when outsourcing to India. Don?t make assumptions, but be very specific in your business needs. And India, although the buzz is all about it, is not the only low wage country in the world! You could consider outsourcing to low wage countries that are not so far away, for instance Spain or Mexico.

Another element to take into account is this: if your business is adding only minimal value or profit to the service provider, you risk receiving substandard service levels. If this is the case, it?s probably safer to steer clear of off shoring.

Conclusion

Looking at both the benefits and pitfalls of outsourcing call centers and customer service, it is clear that there are clear opportunities for reducing the level of costs for organizations. However, do not downplay the risks. If an organization is inexperienced in managing customer service, the risks for failing are very real, as tight management and KPI evaluation is very important. But in the end, it?s all a matter of trust. Ask yourself: do I trust a partner, this partner, with a piece of my business?

Related posts:

  1. How to Help Your Staff Create ?Seamless? Customer Service That Delights Your Customers
  2. Outsourcing to India ? Is Outsourcing Recession Proof?
  3. Outsourcing Transcription to Offshore Providers ? Key to Reducing Healthcare Costs?
  4. What is This Metric Called ?Service Level? and is it Important?
  5. Potential Cost Savings Associated With Legal Outsourcing

Source: http://www.topdocumentinformationblog.info/business/customer-service-and-call-center-outsourcing-whats-the-buzz/

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Womans-Health.Net Announces Launch of Unique Online Resource ...

Womans-Health.Net Announces Launch of Unique Online Resource Focusing on Women?s Health Issues few Other Sites Address










Pensacola, FL (PRWEB) January 25, 2006

After spending years suffering from a variety of female related disorders and experimenting with various remedies and therapies, Sandra Clair, a 38 year old researcher, started Womans-Health.Net to share her extensive research with other women.

?Women today know that they have difficult health challenges facing them that their predecessors didn?t have to deal with. I have made it my goal to address these challenges through this website,? Clair says.

Additionally, Clair says her objective is to offer informative holistic information that tackles difficult problems facing women?s health today.

?Too often, websites aimed at women focus exclusively on beauty, fitness and weight loss. And while these topics are important and we try to cover them as well, women today also want answers to serious questions about their sexual health, breast health, reproductive health and even about the health of men in their lives,? says Clair.

?This is what makes Womans-Health.Net unique ? because we offer valuable advice on a full range of issues that matter most to women.?

Moreover, WHN offers an enormous amount of expert information on a range of topics including yoga, breast cancer, osteoporosis, and herbal remedies in its sizable network of sites.

Although a new site, WHN is growing rapidly with the addition of articles almost daily and the influx of web visitors anxious to acquire information on health topics which few sites deal with.

A woman?s health Blog (http://www.womans-health.net/wordpress/) is updated regularly, where women are encouraged to share their health experiences, find support and give advice.

Furthermore, the site offers a weekly Woman?s Health Newsletter (http://www.womans-health.net/womans-health-newsletter.htm) that visitors can sign up for, which Clair says is crammed with practical and proven health information on nutrition, weight management, herbal remedies, and physical fitness tips that are designed to improve the quality of life for women.

While a proficient writer herself, Clair pens a number of articles on the site but emphasizes that the articles at Woman?s-Health.Net are written by women for women, which she says is a part of her overall aim to make WHN a unique place on the web.

Clair encourages women to visit the site, read, submit articles and contribute to the health Blog, which she says would be a tremendous opportunity to connect with ? and share with ? other women.

For additional information about the site please visit: http://www.womans-health.net .

# # #



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, Vocus PRW Holdings, LLC.
Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

Find More Health Press Releases

Source: http://healthandnews.co.cc/2011/05/30/womans-health-net-announces-launch-of-unique-online-resource-focusing-on-womens-health-issues-few-other-sites-address/

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Know the advantages and the risks of taking ... - Health and Beauty

Today, sexually active younger and grownup ladies have extensive diversifications of start manage options to select from. among the such a lot commonplace contraceptive alternatives are the barrier methods, the hormonal methods, the natural circle of relatives planning, and sterilization.

In the various birth manage strategies built for females, majority of them select to use beginning manage pills, for these are tremendously noted for their efficiency, usage convenience, and affordability. aside from the pills? effectiveness in fighting unwanted pregnancies, oral contraceptives also deliver other health benefits to users, thus, making them one of the such a lot in-demand forms of delivery manage strategies in the market.

Despite the safety claims of delivery control pill, this category of oral contraception also has some hazards and problems with regard to the consumption. on account that oral contraceptions require prescription from health practitioners or gynecologists, it is a need to for sexually active ladies to understand the benefits and dangers of taking capsules earlier than determining to use them.

Below is listing of the advantages and disadvantages of each type of beginning control pill:

1. Progestin-only pill or POP

Benefits:

a. This tablet can lessen or relieve menstrual ache and cramps.

b. This pill can keep away from or decrease blood loss during the menstrual cycle.

c. This capsule is highly advised for girls who simply delivered their babies for breast-feeding.

d. It is convenient to discontinue the consumption.

Disadvantages:

a. This pill calls for a strict consumption schedule.

b. This tablet reasons abnormal bleeding cycle.

c. This capsule is much less constructive than the combination varieties of oral contraceptive.

d. This pill does no longer protect the consumer from STDs.

2. mixture pill

Benefits:

a. This pill lessens cramps, pain, and menstrual blood loss.

b. This capsule lessens the user?s susceptibility to cancer, ovarian cysts, and topical pregnancy.

c. This pill lessens the user?s premenstrual indicators.

d. This tablet regularizes a woman?s menstrual cycle.

e. This pill can treat the physical and emotional signs of premenstrual dysphoric disease.

f. This capsule has useful outcomes on cholesterol.

g. This capsule allows improve acne situation.

risks

a. This tablet also can trigger high blood pressure.

b. This tablet may cause spotting, nausea, and vomiting.

c. This capsule can even aid in the formation of liver tumors and gallstones.

3. Emergency delivery handle capsule

Benefits:

a. This tablet prevents theory even after a few days of unprotected sexual intercourse.

b. This tablet is widely available.

c. This pill is a convenient choice delivery control in case different birth control types failed.

Disadvantages:

a. This tablet can even pose difficulty in utilization timing. In this class of oral contraception, one deserve to take the first pack inside of a genuine quantity of hours after enticing in an unprotected sexual sex.

b. This tablet may cause headache, dizziness, fatigue, vomiting, as good as nausea.

c. This pill can even cause bleeding.

d. This pill may also cause breast soreness and stomach pain.

Women deserve to recognize the above discussed advantages and negative aspects of the three forms of oral contraceptives (even if health practitioners or docs will most doubtless talk about them all over consultation), for these files will help them make a decision if birth control drugs are appropriate for their health condition and subculture.

Tags: Ache, Acne, Affordability, Barrier Methods, Blood Loss, Consumption, Contraception, Contraceptions, Cycle C, Delivery Control, Gynecologists, Health Benefits, Health Practitioners, hl, Hormonal Methods, l, Menstrual Blood, Menstrual Cramps, Menstrual Cycle, Oral Contraception, Oral Contraceptives, Pills, Sterilization

Source: http://best-health-beauty.us/health-beauty/know-the-advantages-and-the-risks-of-taking-beginning-handle-pills

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The best Photography Business Management Software program?

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As a expert digital photographer you?re also a small business operator I know that management may take up much more period compared to I love.

I?m talking about:

scheduling visits
processing payments
running reports
managing customers
managing employees
dealing along with materials as well as inventory
marketing and
all the other background tasks which maintain my business going.

That?s why recently I have become very thinking about embracing technologies to automate as well as centralize because these administrative activities as possible.

As a photography business owner you without doubt adore performing photography ? however in purchase to complete that which you love you should give your business and get start up business via advertising.

For instance how enough time do you invest controlling your appointment schedule or dealing with obligations through check or even money or sending out visit memory joggers to reduce no-shows?

These Cologne Womens Fragrance Paco Rabanne 1 Million By Paco Rabanne For Men Edt Spray 3 4 Oz jobs are required but do occupy a lot of time.

Obviously no software program will substitute you and your eyesight but you should use software program in order to speed up some ways to release your own administrative time. The key is obtaining the correct pictures company management software program that will not set you back a lot of money.

Unless you take exclusively inside a studio you?re most likely off-site regularly photographing clients. Should you spend a lot of time off-site it?s difficult to administer your company ? unless you can entry your pictures company administration software program.

Ways to Provide Your Office Anyplace Along with you

The simplest way to bring your office along with you is by using a cellular computer and using cloud-computing software. The actual mobile pc is simple 3D Glasses Lg 42Pw350 42 Inch Class 3D Plasma Hdtv 1024 X 768P Resolution Bundle With Two Lg Ag S252 3D Glasses ? a good apple ipad or even laptop computer will do. It?s the cloud computing software that you need.

What is Cloud Computing Software?

It is software program you can access entirely on the web. It is also called web-based software program and it is growing dramatically in popularity. The times associated with desk-top software that needs set up on the local computer are vanishing.

Maybe you have been in a photograph take and obtain a call throughout down-time for an appointment? Without having your own routine available you need to give them a call back ? perhaps dropping the reserving. If you have complete use of a web-based routine you may book the appointment immediately.

Speed up Pictures Reservations

If you provide set photography packages you might want to think about providing customers the ability to book their own period with an online schedule they are able to access by having an Web connection. You could create a web site detailing your own deals and the time required.

Put the control inside your customers? hands and they?re going to be thrilled they can guide a photo take without minimum hassle. You are delighted because you reserved a client without obtaining involved.

Decrease No-Shows

One of the worst money-losers in any company that publications visits ? like a pictures business are no-shows. Yet you?re probably as well hectic to sit at a phone each day producing indication calls.

What if you can speed up reminders? This is perfect and along with top-of-the-line pictures company administration software program this isn?t a problem.

How it works is the on the internet arranging software is associated with a strong e-mail delivery software application which automatically transmits away e-mail as well as texting reminders to clients at a time before the visit a person specify. Even though you prevent Two no-shows in a month the software covers itself.

Running a Photography Business is More than Building a Schedule

Do you employ independent companies or possess staff photography enthusiasts?
Do you are offering repayment through charge card?
Do you have any time remaining to promote to your existing and previous customers?

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You are able to certainly get individual pictures company computer programs to handle each of these 3 types of admin activities. You can get payroll as well as staff administration software.

It?s not hard to find credit card processors in order to integrate to your system. Not to mention there is no lack of selling computer programs accessible ? especially e-mail as well as3 texting software providers.

However if you can centralize each one of these types of administrative activities in a single software program you?ll not just save time learning how to utilize it just about all you?ll save time and trouble adding it all together? since it already is integrated.

Exactly what I?m talking about here?s ramping your administrative efficiency by using a good all-in-one photography company software program that offers all of the methods and processes you have to handle your own pictures company.

I?m a huge enthusiast associated with all-in-one software programs simply because I want just learn one type of software program. How much software program perhaps you have bought simply to never really utilize it fully since you did not take time to discover it.

I have a myriad of software program on my computer simply a slave to. The software I do make use of thoroughly is the fact that that is main in order to running my company and that basically manages most of my administrative activities.

Here is the actual Value of All-In-One Photography Business Software program

The real asset of your photography8 clients are your own database associated with customers -4 past as well as present. Those customers not only provide you function but refer you to definitely their own friends family as well as acquaintances. Your data source is the gold which means you must harness which database to be able to construct your business.

For those who have various computer programs managing individual tasks you likely have the mish-mash of contact listings as well as customer information scattered in various documents and computer programs.

When you centralize your whole pictures company management software you?re able to centralize your customer data source ? after which leverage which database in your business administration activities.

A good example:

I am a huge fan associated with emailing my personal database of customers via e-mail. If you use different computer programs for various actions then when you book a scheduled appointment you must fill which contact into each database ? perhaps in the scheduling database and your e-mail marketing data source. You end up managing multiple client contact listings.

It?s far more effective as well as efficient that after a person book a client to your schedule that customer is automatically drenched right into a central data source with all of their own information from which you can then launch e-mail messages text communications and even then produce business reviews telling a person about how exactly a specific client is actually adding to your company.

The key is on your journey to the one-step process. That step being once you have a new customer scheduling that customer is now part of your entire photography company software program platform from which you can completely handle which client.

The same goes with regard to centralizing your Blue Mens Fragrance New Brand Golf Blue For Men 3 Piece Set independent service provider / worker details into the exact same program. You can then produce payroll reports displaying your7 payouts to every photographer on your payroll through customer.

Consider Your own Pictures Company Software program to the Next Level

Would you offer prices packages? Probably. Is it an inconvenience managing those packages? The central all-in-one business administration software especially for photographers enables you to produce pricing deals which integrates with your credit card digesting and your customer administration.

In addition but the right software program will even make it easy for you to create present cards track your customer?s referrals (then send thanks communications) pricing deals discounts etc. ? all in order to increase Graphing Calculators O Texas Instruments O Graphing Calculatorw Usb Cablelcd3 13X7 12X1Silver your sales and offer your customers much more option.

How about Selling Products in your Web site?

Like a professional digital photographer you could possibly get bargains on photo-related services and products. You are able to create another profit focus on Davidoff Mens Fragrance Cool Water For Men 2 4 Oz Deodorant Stick Extremely Mild your site through promoting products and services. Since you be aware of company so nicely you can offer just the better to your customers.

Moreover because you?re a professional you?ll possess immediate trustworthiness and trust and may create a lucrative e-commerce shop which makes revenue along with minimum time and effort.

The bottom line is the greatest photography business software is web-based and offers the next central functions:

Scheduling ? on the internet centralized as well as self-bookings
Credit card digesting
pricing packages and present cards
E-commerce and online store chance
Payroll as well as staff administration
E-mail as well as text messaging capability ? automated reminders as well as advertising channels
Total client information administration totally central
Client referral monitoring (this one thing ought to be harnessed towards the optimum)
Financial and gratifaction confirming that uses all of the centralized data for extensive up-to-date info.

Source: http://www.ebeyer.org/the-best-photography-business-management-software-program/

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iOS 5 for iPhones and iPads Said to Offer Widgets and Better Notifications

Apple appears ready for widgets and better notifications for applications on its cell phone and tablet devices. A new mapping system may have to wait.

Sources quoted by TechCrunch provided the details of the forthcoming release of Apple's latest mobile operating system, iOS 5, for Apple iPhones and iPads.

There's been much speculation from the Apple rumor mill that the company will announce something big at its Worldwide Developers Conference in San Francisco June 6-10.

Widgets are small programs in floating windows that provide quick access to information or functions, such as weather, or website news feeds. Google Android already has widgets, as do other smartphone platforms. There has been criticism from techies that widgets have been omitted from the iPhone and iPad platform to this point.

It's unclear how widgets would be implemented on Apple mobile devices. Other moves Apple has been making may offer some clues.

Apple is merging the look and feel of its desktop and mobile operating systems. Last year, it said it was taking many iOS developments "back to the Mac", for example. The next release of OS X -- codenamed Lion -- mirrors many iOS features. That isn't surprising since iOS already borrows many features from Apple's desktop operating system Mac OS X, such as the ever-present Dock at the bottom of the screen, and Spotlight search.

The widget system is called Dashboard within Mac OS X, and that is perhaps the name we will see when widgets are rolled out for iPhones and iPads. The widget interface for the mobile devices also may have a separate ?space' that users can swipe to, like what is being rolled out with the upcoming release of Mac OS X.

One suggestion is that it will replace the existing search screen, which is uncovered by swiping left to right from the first home screen. Designer Jan-Michael Cart has produced a video mock-up speculating how this might work.

As for what the new notification system might look like, that's harder to guess. On Apple desktops, many Mac users rely on third-party add-ons like Growl.

Earlier this year, Apple was rumored to have purchased a small company that produces a notification application for the iPhone.

Apple also has been snapping up mapping technology companies recently. But 9to5Google reports sources that claim iOS 5 will stick with a Google Maps backend. Google Maps data underpins Apple applications and those of third-parties that use mapping services.

The good news is that 9to5Google also reports that, although Apple hasn't yet got in place its own mapping technology, there might be a new front-end application providing turn-by-turn navigation, so the iPhone can be used within vehicles for navigation without the need to buy a third-party application.

Source: http://feeds.pcworld.com/click.phdo?i=a950812ca196f8bc6b134706669288cc

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How can I make extra money? Become a Bet Thief @ Betthief.com ...

Below is a few example of using the Internet to make money.
1. Freelance Web sites
There are a few well-known Freelance websites that you can join in order to bid for writing articles. The more popular ones include Elance.com, Freelancer.com etc.
If you are new to freelance, it?ll be harder in the beginning since you do not have any history or reputation. Therefore, you may want to bid for projects that don?t pay just as much. Even though you won?t earn a lot of money from those projects, you should still drive them seriously. This is a very good chance of you to gain a few experience in addition to get some good reviews.

2. Sign up for programs that pay out the commission regarding specific actions.
Whether it is completing a survey, data entry, or posting comments on blogs, it may allow you to earn extra money from home, and of course, if you type quickly, it lets you earn a lot more. Be sure that whatever company which you join is free of charge.

3. Article Writing
Although it isn?t a traditional work from home writing job, online marketers are always about the watch for great articles. The actual going rate for an article is 3-6 pounds per each 500 word post. To remain it easy, you can promote your service on some web and offer to create articles for those for 3-4 pounds.
If you?re a little bit industrial yourself, you can try taking some of the skills that you?re understanding while doing these work from home writing jobs and start your own home centred business. Associate marketing is an excellent business to get involved with if you like to write.

4. Become a BetThief!
While the above examples are really good, it may be hard to earn a living from these alone. Whereas BetThief can easily help you earn between 200-600 pounds, per week for very little effort.

Are you interested in, or want to know more about Horse Racing?
Why not become a Bet Thief?
In order to become a Bet Thief, you let the professionals work for YOU, for a relatively small charge considering the money you can earn as a Bet Thief.
It is true that horse racing can be a complicated sport to understand which can sometimes make it hard for the beginners to get into and enjoy and reap the rewards.
That?s where Bet Thief.com comes in ? for the novice bettors and experienced enthusiasts alike.
The undisclosed expert at Bet Thief.com analyses a wealth of factors prior to a horse race. This function involves investigating the dynamics of a race such as the importance of the draw, the state of the going, paddock inspection, betting moves, hidden handicaps, jockeyship and more. This research results in a winning formulation to predict leaders in a particular race. And of course on the flip side predict losers whereby ?lay? bets can be placed.
Bet Thief.com produce, on daily basis well educated predictions straight to you ? prior to the races in order for you to beat the odds. That?s when you become ?? The Bet Thief?!
In the month of May 2011 alone, BetThief.com have successfully predicted and recorded an outstanding 512 wins!

Whether you?re into horse racing or not; if you want to know about horses that will win, or you ?lay? and want to know about horses that will lose, Betthief.com has it all.
Our testing period has generated consistent profits of ?200 to ?600 a week, and has NEVER had a losing week.

As of May 2011 we are in the final stages of perfecting the website before launch and places are strictly limited for pay-out reasons. So sign up today to take advantage of this revolutionary new service?.before it?s too late!

Betthief.com is fantastic, and will make you money, but none the less, make sure you gamble responsibly!

Future ?Bet Thiefs?? Click below to learn about becoming a member and receiver of the well- educated predictions on a daily basis!

http://www.BetThief.com

Source: http://ezinearticleshq.com/recreation-sports/how-can-i-make-extra-money-become-a-bet-thief-betthief-com

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Collaboration Tools ? web conferencing software ? Blog Archive ...


BrightCom Sponsors Collaborative Communications Summit in San Francisco California on October 24th and 25th

Orange County, CA (PRWEB) October 12, 2005

BrightCom, Inc., the performance leader in enterprise conferencing, announces that it will be a key sponsor of the Collaborative Communications Summit to be held in San Francisco on October 24th and 25th. The Collaborative Communications Summit has been in the forefront of introducing the latest trends in enterprise collaboration and communication and includes exhibition showcases, workshops, seminars and panel discussions. As a key sponsor of the technology conference, BrightCom?s CEO and technology visionary Robert McCandless will present a session titled ?The Next Generation of Communication? which focuses on how current collaborative products will change from being an aggregate of tools to an interactive experience. BrightCom will also be a key exhibitor at the Exhibition Pavilion where it will demonstrate the latest products in integrated conferencing and telepresence technology including the Visual Collaboration System, ClearView and the Versona Instant Messaging System.

As the opening session of the second day, BrightCom CEO Robert McCandless will present the ?The Next Generation of Communication? on October 25th at 8:00 AM to what promises to be an informative and thought-provoking session. ?Today?s collaboration and communication tools are having a dramatic impact on when and how we communicate.? indicated Robert McCandless. ?Currently, web, audio, video and instant messaging are primarily available as disparate systems that don?t really interact with each other. The next generation of these tools will alter the very framework of human interpersonal interaction.? added Robert who has spent over 15 years as an industry innovator on the field of collaboration and communication. Attendees to the Collaborative Communications Summit will not want to miss this session as it details the future of collaboration and communication for the enterprise market.

BrightCom will also demonstrate its new line of advanced enterprise conferencing products in the Exhibition Pavilion throughout the show. Products include:

The Versona Instant Messaging System (VIMS) ? The Versona Instant Messaging System is a complete client/server application which provides a scalable instant messaging server and an integrated client designed for the enterprise market. With client software streamed from the server, there is no client-side installation resulting in easier management. VIMS also has the ability to integrate with third party instant messaging solutions such as AIM, Yahoo Messenger and MSN to provide additional flexibility for the corporate user.

The Visual Collaboration System (VCS) ? The Visual Collaboration System is a fully integrated ?plug and play? network appliance solution optimized for hosting rich, interactive, live collaborative meetings via a web browser. Simply plug the unit into your network and you can be hosting a live web conference in just a few minutes. As an integrated hardware and software solution, the Visual Collaboration System eliminates the deployment time, challenges and costs of server based systems, offers a richer feature set than competing offerings, and eliminates reoccurring hosting costs.

ClearView ? BrightCom?s ClearView line of products provide state of the art audio and video conferencing. Solutions include offerings for conference room systems and desktop video conferencing systems. ClearView products offer the unique ability to interconnect high resolution video conferencing between conference rooms and desktop systems as well.

?We look forward to demonstrating our products and providing attendees a seeing into the future of conferencing.? noted BrightCom President John Mudge who will also be in attendance at the CCS. BrightCom will be located in booth 3003 on the exhibit floor.

For more information about the Collaborative Communications Conference, please visit http://www.ccsexpo.com.

About BrightCom

BrightCom is a provider of a wide range of integrated conferencing solutions for business customers. BrightCom is a wholly owned subsidiary of The McCandless Group and has it?s headquarters in Huntington Beach, California. You can visit BrightCom on the web at http://www.BrightCom.com.

BrightCom, Visual Collaboration System, Versona, and ClearView are trademarks or registered trademarks of BrightCom, Inc.

All early company and product names may be trademarks of their respective owners. Copyright ? 2005 BrightCom, Inc. All rights reserved.

Company Contact:

Dawn Jenison

877.483.9737

Dawn_Jenison@BrightCom.com

http://www.BrightCom.com

# # #

Vocus?Copyright 1997-

, Vocus PRW Holdings, LLC. Vocus, PRWeb, and Publicity Wire are trademarks or registered trademarks of Vocus, Inc. or Vocus PRW Holdings, LLC.

More Collaboration Tools Press Releases

Source: http://collaboration-tools.org/collaboration-tools-2/brightcom-sponsors-collaborative-communications-summit-in-san-francisco-california-on-october-24th-and-25th/

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How to Harness DIY Wind Power ? Make Sure You Read Through | The ...

How to Harness DIY Wind Power ? Make Sure You Read Through

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How to Harness DIY Wind Power ? Make Sure You Read Through

By: sidana.abhi
Posted: Apr 11, 2009
Views: 199

DIY wind power or do it yourself wind power is the most effective form of harnessing wind energy. In the present times of increased electricity usage, you need such methods to make sure that you can save some money on electricity. More than saving money, you are doing something that will save our precious earth too. The depletion of fossil fuels which is the main resource used for production of electricity it becomes mandatory to use such alternative sources of energy.

If you walk through the market you will find several machines that are available that produces electricity through the wind, but using such DIY wind power machines are a lot easier on our pockets and are very effective too.

Read more articles
DIY Wind Power Generators & Turbines ? Slash Your Energy Bills and Reduce Your Carbon Emmissions At the Same Time!
DIY Wind Power Made Easy
Diy Wind Power To Save Money On Electricity
Vertical Axis Wind Turbines ? DIY Wind Power

With other sources of producing electricity like the nuclear energy, there is a clear rise in the global warming condition. In using this DIY wind power electricity you can be sure that you will be contributing to reducing this effect.

Another important point about DIY wind power electricity is that you do not have to worry about its shortage as this is a renewable resource that is generated continuously and why shouldn?t we harness this gift that nature has bestowed on us?

All you need is a good guide that will enable you to harness DIY wind power easily. These guides need to be selected with care as you do not want those that are part of a scam. When you choose the best guides you can be sure of the fact that these will help you a great deal in reducing the burden on your pocket and also give you all the help you need in setting up one.

When you conclude on using such a resource, you can commend yourself because this is one of the best decisions that you have taken in your life.

sidana.abhi ? About the Author:

For details on such a guide that will help you in this issue of generating DIY wind power, you can visit Earth4Energy Blog. Make sure you use the resources provided to the maximum.

Source: http://www.articlesbase.com/diy-articles/how-to-harness-diy-wind-power-make-sure-you-read-through-860840.html

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Source: http://consofwindenergy.generator-plans.com/how-to-harness-diy-wind-power-make-sure-you-read-through/

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Enhance Your Client Communications Through Phone Systems ...

A typical small business can sometimes get away with a simple one or two line business phone line from their local provider. Pair that with a capable answering machine and a couple additional phone sets and they?re good to go. However, as the business grows they will quickly find that having the ability to utilize multiple lines at the same time, being able to quickly transfer calls within the office among other benefits will significantly increase communication effectiveness and efficiency.

Once we move from a simple single or dual line phone service we start to explore the world of PBX phone systems. These systems allow for the advanced features of call forwarding to cell phones, the ability to better manage voice mailboxes, the ability to conference in loads of lines. An additional key ability of these systems is to maintain one primary phone number for marketing and utilize extensions for your employees. PBX systems range in price and functionality so we encourage you to seek those out as they meet your individual business needs.

If your organization does a large volume of phone based sales and marketing another type of system to explore would be what is referred to as a Predictive Dialer. This is a computer based system that directly interacts with your phone system. What happens with these systems is that they have the ability to automate certain steps in the telemarketing process bringing greater efficiency to business development. It basically can learn from the actions of the sales person to assist them in dialing calls, remembering ideal times for call placement and monitoring the outcome of a call to better engage the sales person with valuable data.

A predictive dialer can often tie in with other client management systems (CMS) and monitor do-no-call lists to ensure that your organization is not flagged as spam. To be clear a predictive dialer does not run through a series of numbers with pre-recorded voice ?pitches? or offers. It removes the manual processes involved with telemarketing and pairs that with the data that the salesperson feeds it. From this the system is able to predict the call patterns of both the salesperson and the people that they are calling for maximum efficiency and effectiveness.

The end result of utilizing these more advanced phone systems is simply client happiness through communication and increased efficiency in business development. Email and other forms of digital communication are so incredibly prevalent in today?s world that a simple phone call can make all the difference. When using a PBX or a predictive dialer or even both you are enhancing the image of your company, bringing greater success for business development all paired with the efficiency of a machine but the quality of a human.

Mike is the owner of Spitfire, producer of predictive dialer software that greatly increases the effectiveness of calling agents.

Source: http://dialer.leadingtop.com/741/enhance-your-client-communications-through-phone-systems-2

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For Those Who Think They Cannot: How to Become an Artist

Bottled up within all of us is a part of our soul that needs to be expressed creatively. Have you wished you could do art? I'm here to tell you, that you are and can become an artist. It's a matter of finding something that you find fulfillment, appreciation and most importantly, something that is enjoyable. Now is the time to abandon your pity party and unleash your talent.

Below is five steps on how to free yourself from doubt and becoming the artist you've dreamt of becoming!

Taking Action:
1. Believe in Yourself.

Firstly, you must believe in yourself. You are your toughest critic, if you believe you cannot, this will manifest into just that. Plain and simple. Your confidence will translate into your art work. People are like stained glass windows, they shine when light hits them, but it is only when darkness sets in that you have to find the light within.

2.Ask yourself what do you love doing?

What feeds your soul? I once came across an artist who took pictures of toilets (he must have just really loved toilets). This can include anything; from painting, sculpting, scrap-booking to taking pictures of toilets! In essence, dance to the beat of your own drum.

3. Become a mental warrior.

I don't mean grabbing your machete and going off into battle. What I mean by this is accepting that sometimes things will come out crappy. Allowing yourself to make mistakes and learn from them. This warrior mentality (Oorah!) will enable you to be this much closer (If I could show you how close I would!) to becoming a mental warrior. Disappointment is inevitable, but only temporary.

4. Accepting Criticism.

This can be one of the hardest things to becoming an artist. Criticism will remain constant throughout your career. Sometimes it is hard to not be disappointed in yourself. However, remember that art is subjective. Harsh critics will be lurking everywhere, multiplying like gremlins in water. Criticism can be beneficial in some cases. For instance, maybe your technique could use some polishing. So take criticism with a grain of salt.

5. Patience.

Art comes easier to some more than others. On the other hand, working towards something while failing along the way will only make reaching the cake that much more delicious. Allow yourself to grow while using your mistakes as a learning tool.

In essence, you are the gatekeeper when it comes to becoming an artist. Believe in yourself and you will probably blow yourself way at your progress and talent! To view my art thus so far stop by at http://www.gkcart.blogspot.com.

Source: http://ezinearticles.com/6302626

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How 'Bridesmaids' Landed '90s Girl Group Wilson Phillips

Bridesmaids was a big hit at the box office, drumming up $26.2 million its opening weekend.

There were several memorable scenes, but one in particular came at the very end of the film, when members of Wilson Phillips made a surprise cameo.

?They called us ? it was as simple as that,? Carnie Wilson revealed to the New York Post, adding that saying yes was a no-brainer.

?These producers (Judd Apatow) have made some of my favorite movies so we knew it would be a smart thing to be involved with,? Wilson said. ?But we had no idea how funny the movie was going to be.?

Though no news on a sequel has come out, Wilson said she wouldn?t mind appearing in the next one -- should there be second.

?I want to be in the sequel,? she said. ?I could be Melissa McCarthy?s cousin and we can be crazy together. I don?t care who I?m playing, I just want in!?

Wilson Phillips, whose latest hit was 1990?s ?Hold On? (which hit No. 1 on the U.S. Billboard Hot 100 chart), is experiencing a sudden burst of recognition, thanks to the success of the movie.

?When I wrote that song, I was 19 years old and was really at a crossroads in my life,? Chyna Phillips said. ?I knew that if I didn?t make some really significant changes in my life, I?d end up being another Hollywood statistic.?

Phillips revealed that the band was currently in the middle of ?recording a CD.? But will it feature original songs?

?It?s a cover album of all Mamas & Papas and Beach Boys hits,? she clarified. ?Then, hopefully we can come out with an original record. That?s the goal.?

Source: http://feedproxy.google.com/~r/thr/film/~3/bYvnzgPT0l4/how-bridesmaids-landed-90s-girl-192848

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tarikhati.info ? Blog Archive ? Home Improvement ? How you can Go ...








Your home is probably the largest and most valuable asset you want.

Furthermore, it has much more than just an intrinsic value. For these reasons, you should not hesitate to engage in home improvement, whenever you deem necessary. Choosing to perform do it yourself projects is certainly a nice option 52 ghost patrol boat. Here?s a preliminary guide that will help you in getting a head begin in your house improvement DIY projects.

The easiest approach to accomplish this is to place up ceiling fans with light units to add a stylish element into the room.

Once you have got found the things you can truly do by yourself, you?ll be able to readily concentrate on the actual planning of the project.
The first thing is to find some artistic and classy ideas for house improvement. Maybe you need to restore some vintage furnishings pieces for the lounge or change the floor tiles within the toilet and also you wish to ensure that the new dcor will be in style.

The success of your do it your self undertaking will depend upon how precise the directions you use are. Be certain that they are complete and simple to understand. You must definitely look for footage and videos that accompany the instructions or that can make it easier to determine them out and perform them more easily. Get further data and ideas as well. Ensure you know what to do, in case you make a mistake.
It?s essential so that you can have the instructions on a piece of paper and to keep it with you at all times.

Before you begin the house enchancment do it yourself challenge, you have to have all of the materials and instruments ready. When you don?t have some of those at residence, you should buy them in advance. Get any applicable materials (covers, tools, clothes) that can help you protect the rest of the interior or exterior as well as your self while doing the work easter sea patrol boat.

Plan your work and schedule it carefully. Some projects, resembling finishing wooden surfaces, have set action and ready times, so you must not go out of the time frame ghost patrol boat.

Finally, read fastidiously the instructions in your do it your self venture and observe them strictly how to get a good handyman .

Tags: how to get a good handyman

Source: http://tarikhati.info/index.php/2011/05/home-improvement-how-you-can-go-about-do-it-yourself-projects/

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Sunday, May 29, 2011

Get your Graphic Style Career Started by Going to Graphic Design ...

Graphics design is one of the most sought after perform today because these talents include the creative genius behind those websites that marilyn and i visit, animations, billboards that marilyn and i see beside our active roads. Having the skill and creativity to produce these grand works of art is exactly what many companies want today. Having a good expertise in graphic design can help you get one of these coveted jobs in visual design.

Even once you learn a lot about graphic design, a graphic design classes can teach you a lot more but it will definitely not be easy. The ability to be creative is also a factor plus that artistic flair entails you stand out. The training covers many visual and technical modules that you can get in several fields or programs. You can even decide to go into the more technical field as an alternative to the arts.

You can attend on the net graphic design schools and also traditional graphic design universities. The choice is about you as each include their good and bad points. Whichever graphic design school you choose to attend, these are the courses that are offered in most:

  1. Graphic Design Basics = These courses were created to help the student learn more about graphic design and how it relates to todays world.
  2. Typography - students learn in addition to examine typographic designs through learning on the evolution in the alphabet as well as letterform style.
  3. Design and Layout: Todays web depends upon graphic design. This course would deal more in the technical aspects of webpages and applications.

You can attend the graphic design school and not recieve a degree. A simple course to brush through to your graphic design may be what you are looking at. They are still complying towards strict standards required by the department of education. You can certainly recieve a certificate just by completing the course. There are also advance courses after these basic courses if you want to explore the field of animation, 3D design, and computer aided design. You can also get masters degree that you can take after you graduate. So make sure of your interest in this field to make that you will be able to finish it in the end.

Source: http://www.obpack.com/arts-entertainment/photography/57/get-your-graphic-style-career-started-by-going-to-graphic-design-school/

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Remote Viewable Company Security Digital Camera Systems | Tallyah ...

In today?s world of swiftly-paced, high volume and frequently reduced-margin home business, even smaller losses in products or dollars from registers and suppliers can outcome in heavy overall losses for the home business. It is for this reason, that home business entrepreneurs continue on to lookup out new approaches to allow stop losses, and recover from losses when they happen. Business Security CCTV Camera systems have been 1 avenue that a number of home business entrepreneurs are commencing to employ.

In decades previous, small business security systems had been reserved to only the best fortune organizations, as even a primary technique would expense from $20,000 ? $forty,000 and would involve painstaking labor to have it set up and to continue to keep it running. With the modern developments in engineering, the expense of systems have dropped and the good quality of systems have enhanced to the position the place essentially any home business can afford them. Along with the enhance in good quality, are new extra capabilities employed by a picked handful of set of systems on the marketplace. These include things like the addition of PDA Phone Remote Client software: Enabling you to monitor your Dwell and pre-recorded cameras ideal on a Windows Cell 5 or Windows Cell 6 PDA cellphone Windows Cell Smartphone Client Software system: Enabling the very same Dwell and pre-recorded viewing of video clip ideal from a smartphone and even Java Cell Phone Remote Client software, which allows for dwell video clip ideal on any java-enabled cell cellphone. With all of the extra capabilities of the new home business safety camera systems, price tags have reduced to the position the place a number of enterprises get began with a primary technique for significantly less than $500 and may possibly develop the technique later on as necessary.

Observing your home business has certainly not been simplier and easier than it is right now, with these high-tech home business safety camera systems. Now you can consider your dollars register successfully with you on your up coming home business trip, golf outing or family vacation, by viewing your home business when you are not there.

Source: http://www.tallyah.com/remote-viewable-company-security-digital-camera-systems/

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Driver's data may be used to check workers' status (The Arizona Republic)

WASHINGTON (AP) -- The state of Mississippi may soon be sharing driver's
license data with the federal government so employers can check whether they
are hiring people allowed to work in the U.S....


Share With Friends: Share on FacebookTweet ThisPost to Google-BuzzSend on GmailPost to Linked-InSubscribe to This Feed | Rss To Twitter | Politics - Top Stories Stories, News Feeds and News via Feedzilla.

Source: http://news.feedzilla.com/en_us/stories/politics/top-stories/94270750?client_source=feed&format=rss

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Saturday, May 28, 2011

UC launches student health insurance program | Working Smarter

Students at the University of California will have expanded health insurance benefits and more stability in premium costs this fall under a new, universitywide health insurance plan.

The university created the student health insurance plan after concluding it could negotiate lower health care rates and offer a wider array of benefits with the adoption of a centralized plan. Historically, each UC campus has managed its own student health plan.

Graduate students Alberto Ortega Hinojosa, left, and Jason Tien, with CFO Peter Taylor. The pair won the President's Award for Student Leadership for their work on UC SHIP.

Students at all 10 UC campuses and Hastings College of the Law will participate in the program beginning in August. Students will have comprehensive medical and mental health coverage, dental and vision benefits, and the ability to enroll spouses and children.

The plan incorporates strong benefits from each of the existing plans, said Heather Pineda, director of the UC Student Health Insurance Plan. The result: Every campus will offer some new benefits they didn?t have before.

In aggregate, UC students will receive about $5.4 million in additional benefits, yet save $8.4 million on premiums during 2011-12, according to university estimates.

?Under this plan, everyone is protected, and we have better pricing and stronger benefits than before,? Pineda said.

Students also will experience less inflationary pressure on premiums over the next few years because UC has negotiated multi-year price guarantees on services provided by insurance companies, she said.

UC began looking at creating its own student health insurance plan in 2008 as a way to tamp down rising health care costs without sacrificing benefits. Graduate students on six of UC?s campuses began using the insurance plan last year.

?There were significant savings and improved benefits, so we decided to expand the insurance plan to all students, including our undergraduates,? Pineda said.

The program is part of the university?s Working Smarter initiative, which aims to reduce costs and improve UC?s administration operations. Student health services directors from each UC campus worked to develop the plan, as did staff from UC?s Office of the President. The work group was led by co-chairs Joseph Castro of UC San Francisco and Fred Wood of UC Davis, both vice chancellors of student affairs for their respective campuses. In addition, a mix of graduate and undergraduate students participated, with representation from every campus.

Two of those students ? Jason Tien, a Ph.D. candidate in neuroscience at UCSF and Alberto Ortega Hinojosa, a Ph.D. candidate in public health at UC Berkeley ? received the President?s Award for Outstanding Student Leadership for their work.

In acknowledging their efforts, President Mark G. Yudof told the UC Board of Regents in May that the students had contributed ?great energy and ingenuity? to the effort and spent more than two years on the project.

The student health insurance plan ?has reduced cost and broadened insurance benefits for our students, including making it possible to offer long-sought dependent coverage,? Yudof said. ?Their success demonstrates the vital importance of student involvement and leadership in university initiatives.?

Students will continue to have an important role in the plan, Pineda said. The university is creating a UC SHIP advisory board that will include students from every campus.

?Since the plan exists for the benefit of students, their input is crucial,? she said.

Although students will see some increase in premiums this fall, costs are generally lower than they would have been if individual campuses had negotiated their own rates, Pineda said. And since UC bears the risk associated with paying medical claims, it can avoid the fees insurers charge for assuming the risk.

Premiums and medical providers will continue to vary from campus to campus, but all students will have the same strong core benefits, including:

  • Free preventive care;
  • A $200 annual deductible that is waived for on-campus student health services, pharmacy purchases, off-campus office visits, emergency or urgent care visits;
  • 90 percent coverage for in-patient hospitalizations, outpatient surgery and many other services;
  • Mental health care and substance abuse treatment covered at the same level as any other medical condition;
  • An out-of-pocket maximum of $3,200.

Under the plan, enrolled students will use on-campus Student Health Services as their primary care providers, with the cost of those services covered by the insurance plan. Students who have their own health insurance are also allowed to use Student Health Services, but their care may or may not be covered by their insurance.

UC requires its students to have health insurance as a condition of enrollment. It began requiring insurance after studies found that medical costs were one of the main reasons students dropped out of college. For low-income students, premiums are covered under student aid. Graduate student premiums are often covered through fellowships or other grants.

With up to 130,000 students expected to enroll, UC will now have the largest student health insurance program in the nation, according to Aon Hewitt, a health benefits consulting firm.

Source: http://workingsmarter.universityofcalifornia.edu/2011/05/uc-launches-student-health-insurance-program/

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