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Will You Add? - Create the Writing Life You Want
COBRA Health Insurance: What You Need To KnowCOBRA health insurance is an area of insurance law that suffers from a certain degree of uncertainty and yet this law will affect the lives of many Americans at some point in their lives. This is not an obscure law that only affects a small number of people in limited special situations. COBRA (or the Consolidated Omnibus Budget Reconciliation Act of 1986) amends the Employee Retirement Income Security Act, the Internal Revenue Code and the Public Health Service Act to provide continuation of group health coverage that otherwise might be terminated.According to the US Department of Labor; COBRA provides certain former employees, retirees, spouses, former spouses, and dependent children the right to temporary continuation of health coverage at group rates. This coverage, however, is only available when coverage is lost due to certain spec formats. They spend time tracking down other aspiring writers in these genres, swap stories of near-misses and 'good and bad' rejections, and share the jubilation of finally getting a 'yes'. If you are determined to write only what you want to write, then don't give up your day job in a hurry - it might take a while and a few 'practice books' to get your first acceptance. What you can do, right now, is determine the writing life you want-and start working towards it. Begin by asking yourself the ten questions below. KNOW THYSELF: 10 QUESTIONS TO HELP YOU DECIDE ON THE WRITING LIFE THAT WORKS FOR YOU:
- Would I rather do any kind of writing than do other work? (If the answer is 'yes', and you know you handle words with creativity whether you're writing a short story or a letter to the bank, then a multi-faceted writing career might suit you.)
- Can I identify a range of writing that I would be happy to attempt? Is there a need for this writing? Can I provide a special service, or target a niche market?
- What kind of books do I like to read? Are these the kinds of books I'd enjoy writing?
- How much money do I need to spend on equipment or resources to start a writing bus
Licensing: Help To Grow Existing Product LinesThe attraction of licensing trademarks for business intentions appears to be at an all-time high, mostly in the fashion arena where consumers are buying more licensed products and brand names than ever before. For retailers, licensing opportunities provide them with a point of difference from their competitors.Licensing is leasing a legally protected property (like trademarked or copyrighted name, logo, likeness, character, phrase or design) to another party in combination with a product, service or promotion. It is a process which lays stress on consumer management, development of brand equity in line with international imagery, providing right shopping ambience and perhaps is less about manufacturing. Licensing is a way of growing with an already established brand. It provides the brand recall benefits, which are not achievable in case one comes out wit Ah, writing. For those of us who love to play with words, it's like standing in front of a smorgasbord, agonising over which delicacies to try. You can potter about with your writing as a thoroughly delightful hobby - writing wedding speeches, penning dreadful doggerel for people's birthdays, or writing stories to entertain your children. Or you can work at it, hour after hour, determined that your book is going to be the next bestseller. You can choose the writing life that's perfect for you now, then change direction later, as your circumstances change and your experience grows.HOBBY OR CAREER? I'm going to work on an assumption here - that you actually like writing. (I can't imagine any other reason you'd be reading this article. If you don't like to write, why are you being such a masochist? There are thousands of other jobs out there that will suit you better. Stop reading this and go find one.) So, given that you like to write, you should now ask yourself: 'Do I like writing enough to do it full time, or do I want to keep it as a hobby?' If you just want to keep it as a hobby, then you are relieved of a number of 'duties' already. Since it's a hobby, you don't have to earn money. You don't have to please editors. You don't have to be published. You can scribble in faint grey pencil on a table napkin if you want - nobody else has to read it. And best of all, you don't ever have to write anything except what you want to write! PART TIME WRITING Most of us are not in that situation. We either want to write as a paid hobby (which might also be known as 'part time writing') or we want to work towards a full time career. Let's look at 'part time writing' first, and assume that you wouldn't mind being paid for what you do. (At least in kind - a free book or meal in exchange for your carefully produced text.) If you want to be paid, then you are faced with a certain set of responsibilities. You have to make sure that the person paying you can read your work, so faint grey pencil is out. In fact, it's very likely that good clear word processing is in. Hmmm... this is beginning to sound expensive. Suddenly it's taking money to make money. You have to invest in your career - in the form of hardware and software and consumables. You have to think about GST and that means a business name. Your part time writing career might take up more time, and cost more money, than you had expected. WHAT KIND OF WRITING? But wait... you have more decisions to make. Are you going to concentrate on just one kind of writing (say, writing short stories for popular magazines) or are you going to peddle your words in any way that will bring in cash? There are lots of people out there who require writers. They need wordsmiths to write their 21st birthday party speeches, or to put together smart resumes and application letters, or to create snappy promotional material for their business flyers. If you're happy enough to do all of these things and more, then you can certainly generate a part-time (or even full-time) income. Of course, you may have to advertise, and obtain business cards, and that costs more money... but don't worry: the better you become at what you do, the more your clients will do your advertising for you. ("Oh, you must get so and so to do your flyer; she's really good...") THE 'SERIOUS WRITER' - TYPE #1 Time to move on to the Serious Writer. Serious Writers come in two flavours: the ones who want to write the Great Australian Novel (or win one of the major literary awards for novels) and disdain networking, marketing, self-promotion and all those mundane things. They are passionately committed to writing literary fiction, and if it takes twenty or forty years of living off relatives or typing at night after their day job, then so be it. Some of these Serious Writers can write like angels and will undoubtedly achieve what they want. Others never mix with anybody else and have no idea that their work is substandard or boring until they get their first rejection. (They may not realise even when they get their hundredth rejection.) THE 'SERIOUS WRITER' - TYPE #2 The other kind of Serious Writer is the one who is determined to make a success of writing, investing as much time, energy and cash as is needed. He is happy to network and talk to clients or editors and other writers. Sometimes this becomes a broad-based writing career - this person just loves words and crafting finished pieces of writing, whether it's fiction, non-fiction or promotional material. He is happy to be writing - any kind of writing! Not everyone is happy to write whatever puts bread on the table. Some writers are content to do an assortment of fiction (mainstream, romances, or romantic intrigue, for example) or to target one specific genre - say speculative fiction - in both short and long formats. They spend time tracking down other aspiring writers in these genres, swap stories of near-misses and 'good and bad' rejections, and share the jubilation of finally getting a 'yes'. If you are determined to write only what you want to write, then don't give up your day job in a hurry - it might take a while and a few 'practice books' to get your first acceptance. What you can do, right now, is determine the writing life you want-and start working towards it. Begin by asking yourself the ten questions below. KNOW THYSELF: 10 QUESTIONS TO HELP YOU DECIDE ON THE WRITING LIFE THAT WORKS FOR YOU:
- Would I rather do any kind of writing than do other work? (If the answer is 'yes', and you know you handle words with creativity whether you're writing a short story or a letter to the bank, then a multi-faceted writing career might suit you.)
- Can I identify a range of writing that I would be happy to attempt? Is there a need for this writing? Can I provide a special service, or target a niche market?
- What kind of books do I like to read? Are these the kinds of books I'd enjoy writing?
- How much money do I need to spend on equipment or resources to start a writing busi
Internet Gambling Can Be Quite LucrativeHave you ever thought that it’s possible to make a lucrative career out of gambling on the Internet? I have a friend who has a hobby of playing poker through an Internet gambling site when we were in college. He began to win consistently and began make a bit of money over the next couple of years.He also began spending more of his time on Internet gambling sites. Gradually, he began to get better and began to know which players he could defeat and created an effective winning strategy. He was even able to bankroll his friends into playing so that he could earn more money.After he graduated from college, he received an offer from the headquarters of a large bank and started working in the corporate world. However, he realized after a few weeks that he did not like working for a company.He began to think of the possibility of making Internet have to please editors. You don't have to be published. You can scribble in faint grey pencil on a table napkin if you want - nobody else has to read it. And best of all, you don't ever have to write anything except what you want to write!PART TIME WRITING Most of us are not in that situation. We either want to write as a paid hobby (which might also be known as 'part time writing') or we want to work towards a full time career. Let's look at 'part time writing' first, and assume that you wouldn't mind being paid for what you do. (At least in kind - a free book or meal in exchange for your carefully produced text.) If you want to be paid, then you are faced with a certain set of responsibilities. You have to make sure that the person paying you can read your work, so faint grey pencil is out. In fact, it's very likely that good clear word processing is in. Hmmm... this is beginning to sound expensive. Suddenly it's taking money to make money. You have to invest in your career - in the form of hardware and software and consumables. You have to think about GST and that means a business name. Your part time writing career might take up more time, and cost more money, than you had expected. WHAT KIND OF WRITING? But wait... you have more decisions to make. Are you going to concentrate on just one kind of writing (say, writing short stories for popular magazines) or are you going to peddle your words in any way that will bring in cash? There are lots of people out there who require writers. They need wordsmiths to write their 21st birthday party speeches, or to put together smart resumes and application letters, or to create snappy promotional material for their business flyers. If you're happy enough to do all of these things and more, then you can certainly generate a part-time (or even full-time) income. Of course, you may have to advertise, and obtain business cards, and that costs more money... but don't worry: the better you become at what you do, the more your clients will do your advertising for you. ("Oh, you must get so and so to do your flyer; she's really good...") THE 'SERIOUS WRITER' - TYPE #1 Time to move on to the Serious Writer. Serious Writers come in two flavours: the ones who want to write the Great Australian Novel (or win one of the major literary awards for novels) and disdain networking, marketing, self-promotion and all those mundane things. They are passionately committed to writing literary fiction, and if it takes twenty or forty years of living off relatives or typing at night after their day job, then so be it. Some of these Serious Writers can write like angels and will undoubtedly achieve what they want. Others never mix with anybody else and have no idea that their work is substandard or boring until they get their first rejection. (They may not realise even when they get their hundredth rejection.) THE 'SERIOUS WRITER' - TYPE #2 The other kind of Serious Writer is the one who is determined to make a success of writing, investing as much time, energy and cash as is needed. He is happy to network and talk to clients or editors and other writers. Sometimes this becomes a broad-based writing career - this person just loves words and crafting finished pieces of writing, whether it's fiction, non-fiction or promotional material. He is happy to be writing - any kind of writing! Not everyone is happy to write whatever puts bread on the table. Some writers are content to do an assortment of fiction (mainstream, romances, or romantic intrigue, for example) or to target one specific genre - say speculative fiction - in both short and long formats. They spend time tracking down other aspiring writers in these genres, swap stories of near-misses and 'good and bad' rejections, and share the jubilation of finally getting a 'yes'. If you are determined to write only what you want to write, then don't give up your day job in a hurry - it might take a while and a few 'practice books' to get your first acceptance. What you can do, right now, is determine the writing life you want-and start working towards it. Begin by asking yourself the ten questions below. KNOW THYSELF: 10 QUESTIONS TO HELP YOU DECIDE ON THE WRITING LIFE THAT WORKS FOR YOU:
- Would I rather do any kind of writing than do other work? (If the answer is 'yes', and you know you handle words with creativity whether you're writing a short story or a letter to the bank, then a multi-faceted writing career might suit you.)
- Can I identify a range of writing that I would be happy to attempt? Is there a need for this writing? Can I provide a special service, or target a niche market?
- What kind of books do I like to read? Are these the kinds of books I'd enjoy writing?
- How much money do I need to spend on equipment or resources to start a writing bus
Debt Consolidation: What Is It?Debt consolidation is the process of taking out one loan, with the purpose of meeting a number of other loan obligations. This is usually done when one is knee deep in debt, receiving constant threat calls from debt consolidation agencies and attorneys representing them. This debt consolidation loan can be extended to a number of fields like medical bills, credit card bills, or even education loans. All the loans taken for the purpose are rolled into one single loan, necessitating only a single monthly payment as a payback for the loan. What more, this interest rate for debt consolidation loans is usually lower than the average of all the other interest rates taken together. This enables easier payment of the loans, without forgetting multiple payment dates for the separate loans, and also a greater savings at the end of the month, allowing the borrower to ind WHAT KIND OF WRITING?But wait... you have more decisions to make. Are you going to concentrate on just one kind of writing (say, writing short stories for popular magazines) or are you going to peddle your words in any way that will bring in cash? There are lots of people out there who require writers. They need wordsmiths to write their 21st birthday party speeches, or to put together smart resumes and application letters, or to create snappy promotional material for their business flyers. If you're happy enough to do all of these things and more, then you can certainly generate a part-time (or even full-time) income. Of course, you may have to advertise, and obtain business cards, and that costs more money... but don't worry: the better you become at what you do, the more your clients will do your advertising for you. ("Oh, you must get so and so to do your flyer; she's really good...") THE 'SERIOUS WRITER' - TYPE #1 Time to move on to the Serious Writer. Serious Writers come in two flavours: the ones who want to write the Great Australian Novel (or win one of the major literary awards for novels) and disdain networking, marketing, self-promotion and all those mundane things. They are passionately committed to writing literary fiction, and if it takes twenty or forty years of living off relatives or typing at night after their day job, then so be it. Some of these Serious Writers can write like angels and will undoubtedly achieve what they want. Others never mix with anybody else and have no idea that their work is substandard or boring until they get their first rejection. (They may not realise even when they get their hundredth rejection.) THE 'SERIOUS WRITER' - TYPE #2 The other kind of Serious Writer is the one who is determined to make a success of writing, investing as much time, energy and cash as is needed. He is happy to network and talk to clients or editors and other writers. Sometimes this becomes a broad-based writing career - this person just loves words and crafting finished pieces of writing, whether it's fiction, non-fiction or promotional material. He is happy to be writing - any kind of writing! Not everyone is happy to write whatever puts bread on the table. Some writers are content to do an assortment of fiction (mainstream, romances, or romantic intrigue, for example) or to target one specific genre - say speculative fiction - in both short and long formats. They spend time tracking down other aspiring writers in these genres, swap stories of near-misses and 'good and bad' rejections, and share the jubilation of finally getting a 'yes'. If you are determined to write only what you want to write, then don't give up your day job in a hurry - it might take a while and a few 'practice books' to get your first acceptance. What you can do, right now, is determine the writing life you want-and start working towards it. Begin by asking yourself the ten questions below. KNOW THYSELF: 10 QUESTIONS TO HELP YOU DECIDE ON THE WRITING LIFE THAT WORKS FOR YOU:
- Would I rather do any kind of writing than do other work? (If the answer is 'yes', and you know you handle words with creativity whether you're writing a short story or a letter to the bank, then a multi-faceted writing career might suit you.)
- Can I identify a range of writing that I would be happy to attempt? Is there a need for this writing? Can I provide a special service, or target a niche market?
- What kind of books do I like to read? Are these the kinds of books I'd enjoy writing?
- How much money do I need to spend on equipment or resources to start a writing bus
Article Marketing Advanced Tips for SuccessArticle marketing is my primary method of traffic generation and profit creation. Yes, article marketing is extremely powerful, and one of the greatest things about it is that it seems to have no bounds.Now, I realize that it probably does, but when you realize that probably only 100 people in the world make a full time income online, contrasted to 1000’s in other internet marketing niches, there is a lot of room for growth and new entrants.What are some of my advanced secrets for article marketing success?1) I write articles prolifically. I believe that there is power in numbers, and I believe in massive action. I know how many subscribers my average article nets me, and I know the profit level of my average article-generated subscriber. This is one of the most important numbers in my business.2) I currently only use one artic ey are passionately committed to writing literary fiction, and if it takes twenty or forty years of living off relatives or typing at night after their day job, then so be it. Some of these Serious Writers can write like angels and will undoubtedly achieve what they want. Others never mix with anybody else and have no idea that their work is substandard or boring until they get their first rejection. (They may not realise even when they get their hundredth rejection.)THE 'SERIOUS WRITER' - TYPE #2 The other kind of Serious Writer is the one who is determined to make a success of writing, investing as much time, energy and cash as is needed. He is happy to network and talk to clients or editors and other writers. Sometimes this becomes a broad-based writing career - this person just loves words and crafting finished pieces of writing, whether it's fiction, non-fiction or promotional material. He is happy to be writing - any kind of writing! Not everyone is happy to write whatever puts bread on the table. Some writers are content to do an assortment of fiction (mainstream, romances, or romantic intrigue, for example) or to target one specific genre - say speculative fiction - in both short and long formats. They spend time tracking down other aspiring writers in these genres, swap stories of near-misses and 'good and bad' rejections, and share the jubilation of finally getting a 'yes'. If you are determined to write only what you want to write, then don't give up your day job in a hurry - it might take a while and a few 'practice books' to get your first acceptance. What you can do, right now, is determine the writing life you want-and start working towards it. Begin by asking yourself the ten questions below. KNOW THYSELF: 10 QUESTIONS TO HELP YOU DECIDE ON THE WRITING LIFE THAT WORKS FOR YOU:
- Would I rather do any kind of writing than do other work? (If the answer is 'yes', and you know you handle words with creativity whether you're writing a short story or a letter to the bank, then a multi-faceted writing career might suit you.)
- Can I identify a range of writing that I would be happy to attempt? Is there a need for this writing? Can I provide a special service, or target a niche market?
- What kind of books do I like to read? Are these the kinds of books I'd enjoy writing?
- How much money do I need to spend on equipment or resources to start a writing bus
Understanding An Indemnity Low Cost Health Insurance PlanAs medical costs continue to rise each year and health insurance premiums climb, traditional indemnity health insurance plans are no longer the top choice when it comes to healthcare coverage. For many people indemnity healthcare plans, which are often referred to as "fee for service" plans, remain the favored choice, but many people are finding that they no longer have this choice as employers are switching away from indemnity cover to cut their overheads.The beauty of indemnity plans lies in the freedom which they give to the policyholder to choose the care he requires, where and when he requires it. By contrast, the alternative managed care plans give policyholders far less choice and have led to many people describing them as plans which manage the policyholder, rather than manage the policyholder's care.Although indemnity plans have been, and formats. They spend time tracking down other aspiring writers in these genres, swap stories of near-misses and 'good and bad' rejections, and share the jubilation of finally getting a 'yes'. If you are determined to write only what you want to write, then don't give up your day job in a hurry - it might take a while and a few 'practice books' to get your first acceptance.What you can do, right now, is determine the writing life you want-and start working towards it. Begin by asking yourself the ten questions below. KNOW THYSELF: 10 QUESTIONS TO HELP YOU DECIDE ON THE WRITING LIFE THAT WORKS FOR YOU:
- Would I rather do any kind of writing than do other work? (If the answer is 'yes', and you know you handle words with creativity whether you're writing a short story or a letter to the bank, then a multi-faceted writing career might suit you.)
- Can I identify a range of writing that I would be happy to attempt? Is there a need for this writing? Can I provide a special service, or target a niche market?
- What kind of books do I like to read? Are these the kinds of books I'd enjoy writing?
- How much money do I need to spend on equipment or resources to start a writing business? If I haven't got this money, how long will it take me to save it or obtain it?
- How many hours can I devote to writing?
- Do I need a separate office and phone line, or can I share a computer with the family?
- What other commitments do I have? What other demands are there on my time?
- If I could choose any kind of writing at all to do, what would it be? Can I work towards this, even if I can't spend all my time on it now?
- Do I have a network of supportive people - friends, family and other writers - to help me achieve what I want? If I don't, can I find these people?
- What can I do RIGHT NOW to set my writing career in motion, or to start moving in the direction I really want?
(c) Copyright Marg McAlister
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