Show Me The Money! by Paul Taylor
... Many start-up costs are one time costs such as a deposit on a utility connection or having a sign designed and placed on the building or marquee. However, many are recurring such as insurance premiums and monthly utility expenses. One business owner that I know said about start-up costs “you should add up everything that you think it will cost to get open and then at least double it, and you will be close to what it costs.” The lesson here is do not underestimate your initial expenses.
Insurance - Don't Let Health Care Hijack Your Retirement by Jeffery Voudrie
... Sometimes ordering a 90 day supply has a lower cost, plus you save 2 co-pays versus a 30 day supply. Some doctors will prescribe a higher dose drug with the understanding that the patient will cut the pill in half. This ‘double dose’ method should only be used under your doctor’s supervision but can also reduce your costs. Generic drugs can save you a bundle. Researching prescription plans, prices and ordering options can take a good deal of time and can be somewhat confusing.
How to Set (and Get) the Right Prices by Jay Lipe
... Then, add up all your indirect costs (all other costs that aren’t direct) like rent, insurance and utilities. Now, identify the profit your company needs to attain in order to fuel new investment and reward your employees. Finally, forecast what your annual unit volumes will be. Now, divide the total of your costs and profit by annual units sold, and you end up with a unit price. Sure, this is a simplified example, but the process is sound. This kind of analysis will help ascertain where ...
What's the Difference Between Individual, Family, Group and Health Insurance? by Kurt Stammberger
... SMALL GROUP HEALTH INSURANCE Employers attract employees by offering them attractive incentives and benefits, and one of the most valued benefits is a comprehensive health insurance plan that fulfils most medical expenses of the employee (and his or her immediate family) at a low cost. Most plans stipulate that any employer with between 2 and 50 employees is eligible for Small Group Health Insurance. When you contact a broker or insurance provider, you’ll be asked to provide birth, age, ...
How To Get The Best Term Life Insurance Quote by E. Cory
... The most common type of term life insurance is Level Term Life Insurance. An example would be a $100,000 policy for 20 Year Level Term Life Insurance. This means you pay the same premium each year for 20 years. If you die before the term ends, your beneficiary receives the death benefit of $100,000. If you outlive the term, your policy expires. If you need coverage at that time, you will need to purchase another policy – usually at higher rates based on your age at that time.
Home Insurance Quote Online – What You Need to Know Before Shopping by Gavin Bloom
... The online insurance calculators will often ask for a percentage of your total basement area that is finished. There are several questions asked during online quoting about possible discounts. There is a protective device discount for having deadbolt locks, smoke detectors and a fire extinguisher. There are even larger discounts for burglar and fire alarm systems that ring directly into the police station and fire department. There will also be a variety of deductibles.