Improving Access To Postsecondary Education

An array of family, school and community characteristics clearly work together in shaping students’ access to postsecondary education. Our research identified a number of factors, many of them interrelated, that act as barriers to students continuing their education after high school.

These factors include:

- Being from a family in which neither parents nor siblings have gone to college;
- Having parents who are not actively involved in school and in post-high school planning;
- Being from a community with low educational expectations, a community where a college education is not perceived as being particularly valuable, or a community where college is not perceived as being affordable;
- Not being in the top academic track in high school; and
- Not saving for college, not planning ahead about how to finance postsecondary education, and/or coming from a family with limited resources for college.

The Influence of Parents and Family

Undeniably, parents play a key role in shaping students’ attitudes toward college. They have the potential to be the greatest resource in helping their children prepare for postsecondary education, but if they fail to be actively involved, parents can instead create a barrier to college.

- In families where a parent completed college, college attendance is much more likely to be expected for the children. Not surprisingly, parents who completed college themselves report much higher comfort levels with assisting their child in college planning and financing than parents who do not have college experience.
- The extent to which parents have investigated financing options for college emerged as a key factor in students’ college aspirations. Students with high aspirations are much more likely to report that their parents have taken tangible steps toward planning to pay for college than are students with moderate or low aspirations.
- Educators name low student aspirations as the number one barrier to college. The next three factors educators see as key barriers to college for their students involve parents: parents’ lack of a college education, parents’ lack of involvement in planning, and parents’ perception that college is unattainable.
- Students who have a sibling in college have more positive attitudes toward college and tend to get an earlier start with college planning.

The Influence of Academic Tracks

Survey respondents were asked which of three main academic tracks they (or their children) were placed in: Advanced Placement/Honors (about 30% of students), College Prep (about 50%), or General/Vocational Prep (about 20%). While some educators reported that their high schools do not explicitly track students, virtually all students and parents were able to identify their (or their child’s) academic track. This study found dramatic differences in students’ aspirations, post-high school planning approaches, level of parental involvement and overall school experience based on their academic track.

- Parents of students in the College Prep and, particularly, the AP/Honors tracks are stronger advocates for college attendance, more proactive and helpful in planning for the future, and are more likely to have gone to college themselves.
- College-educated parents surveyed were roughly three times more likely to report that their child is in an AP/Honors academic track than were parents who have only a high school diploma. Almost no families in which both parents hold a college degree reported that their child is in a General/Voc Prep academic track.
- College Prep track students and their parents are significantly less proactive than those in the AP/Honors track about taking concrete steps for college planning and financing.
- AP/Honors students are more likely than others to report that some class time at school is devoted to college planning and that their peers are helpful in the planning process.
- General/Voc Prep track students report being less challenged by their schoolwork; they are twice as likely as AP/Honors students to say school is no more than somewhat challenging. Parents of these students report that their children receive lower levels of support and encouragement from teachers.
- Educators and students agree that schools do a better job preparing AP/Honors and College Prep students than General/Voc Prep students for success in the future.
- General/Voc Prep students report more difficulty getting their post-high school planning started and finding information about college planning than do students in the other two tracks. They are more likely to report that they wish their parents had more time to help with post-high school planning. Their parents are less likely to feel that they are receiving good planning information than are parents of students in the other two tracks.
- College Prep and General/Vocational Prep track students who have high aspirations report higher levels of support and help with planning at school (e.g., regular guidance counselor meetings, class time spent on planning, college campus visits through their school) than do those with moderate or low aspirations.

The Disparity between Attitudes and Actions

Educators see low student aspirations as the number one barrier to college, while students themselves, as well as their parents, report very high aspirations and very positive attitudes about college. Our research suggests that this can be explained in part by the distance between attitudes and actions. While students and their parents feel very positive about their futures and their chances of going to college, they are not always taking the concrete steps needed to make this dream a reality.

- 84% of students acknowledge that they hold primary responsibility for their future planning. Some students, however, particularly those in the College Prep and General/Voc Prep academic tracks, feel that it is difficult to get started thinking about and planning for college.
- Student discussions suggest that a “push” from schools to get started with planning early would be helpful, particularly for those students with low to moderate aspirations.
- Educators report that students (particularly those in a General/Voc Prep track, but also those in College Prep tracks) are not proactive in taking advantage of the planning resources that schools offer.
- Students generally perceive their parents as being quite involved and helpful with future planning. But when presented with a list of specific planning activities, they report participation by parents that is somewhat limited.
- Parents may also overestimate their level of involvement in planning for their children’s futures. More parents report having had serious family discussions about future plans than do students or young adults. Students also report having these discussions less frequently and starting them later in high school, on average, than do parents.
- Educators are less positive in rating parents’ awareness of different college financing options and the degree to which they have begun college financial planning than are parents themselves.

5 Things to Look for in a Home Based Business

In today’s economy, it seems like more people are being drawn to the home based business industry. The idea of a low start-up cost, residual income and the opportunity to work from home is pretty enticing. Who wouldn’t want to give it a try, right?

That’s exactly why this article needs to be written. There are so many home based businesses to choose from, and if you don’t have much experience in Network Marketing, you may make a bad choice. This article isn’t aimed towards swaying you one way or another and is definitely not going to make the choice for you. It’s geared towards helping you make a wise decision that will continue to be profitable for you for many years into the future.

  1. Viable Product - Make sure the company you are looking to join has a product that is worth the value it’s being sold for. Given, you have to allow room for commission to the distributors who sell it, but selling a book or course for thousands of dollars when it can be purchased in a book store for a fraction of the cost isn’t viable. The product must be worth what it’s being sold for, be affordable to the majority of the population and do what it’s supposed to do. Prove the product to yourself. Be a critic as it will help you sell it in the future.
  2. Competition - Shortly after a product or company is created, you’ll start to see copy cats popping in. Especially if the product is a successful one. Do your research on how many other companies there are that market the same product, but with a different shell. You want to find a niche that belongs to you. Any good business owner knows that power of truly owning a niche.
  3. Income Potential - Point blank, unless you are independently wealthy and have all the money you will ever need, join a home based business that will be profitable. Don’t waste your time on something that is going to pay you peanuts. “But….but…..this product is going to change the world as we know it.” If that was the case, then they should be charging way more for it and you should be getting paid more to sell it. A good home based business will have a healthy up front commission and a lucrative residual back end.
  4. Company Organization – We’ve all heard of companies doing well in the beginning and folding within the first three to five years. If a Network Marketing company dies within a short period of time, it’s usually because of the way it was setup. Two guys with a burning desire to be rich usually isn’t the one you want to pick. It’s too vulnerable and dependent on their lives and personal decisions. Pick a company that has a healthy corporate setting that has a lot to offer you as a distributor. There are home based business companies that offer certain types of benefits including life insurance and tax assistance along with their start-up kits.
  5. Purpose of the Founders/Owners - The overall goal of the company and its founders is a deal breaker. If the company is a money hungry machine hidden behind an overly priced product, you may make some money there for a while, but eventually, it will crumble. Make sure the companies goals are virtuous and praiseworthy. Simply having a goal to create “x” amount of millionaires in the next three years, as enticing as it may sound, it’s not a praiseworthy goal. A company with a truly noble purpose will create “x” amount of millionaires ten times over without having to use that as their marketing plot.

Running your own home based business is exciting! There’s nothing like being at the drivers seat of your own income without having the headache of employees and storefronts to handle. You truly can create a life of time freedom and the income to support that lifestyle. When it all comes down to it, after you’ve done your research, the best thing you can do is to simply follow your gut.

How to Find the Best Home Based Businesses

Trying to find the best home based businesses can often lead to frustration if you haven’t formulated a plan.Basically, many of these quests to find home based businesses are destined for failure before you even enter your search criteria into your browser. The issue with this is that search criteria is often so vague that the search results will return too many different suggestions over a wide range of subjects.Have you thought about what kind of home business you want to find? In order to find the exact match you’ll have to clearly define your search criteria.Look at the list of different qualities below:- What is the cost of entering?
- Do you already have some knowledge of this home business?
- What training is being offered?
- How much support will you be offered?
- Can you be sure that the opportunity is genuine and not a scam?
- Is there a strong market for this type of home business?
- How much time will you need to invest in this business?Home Based Businesses Big Red Easy ButtonThe rate of failures in the home business industry is huge and quite worrying. 97% of those who start out actually fail and this statistic looks like it will be around for a long time yet. These issues seem to stem from people being sucked in by dramatic and exciting claims by the promoters of the business. Any home based businesses that start with the words “get rich quick” are to be taken with a pinch of salt. Avoid these businesses at all costs.The fact is that most people would like to work from home. However, many people share the opinion that working from home is an easy option, and that no real effort is required. Wild claims of being able to make hundreds of dollars in a matter of days are far from reality. And that’s not all. Many claims of earning cash quickly are accompanied by claims that you will not need to put in much effort in order to get rich. The hard truth is that many people are drawn in by the fact that they are able to work from home and that is the main attraction.Of course, you will be required to work hard and if you don’t put in a large amount of effort you can expect to join the 97% of failures quite quickly. The best home based businesses are those that provide good training and reliable support when you need it. These type of businesses have a greater chance of success as you won’t be thrown in at the deep end and left to handle your business alone.

Pros of Home Based Business

There are many things to consider when thinking of starting and running a home based business, including where the start up money will come from, if the business will succeed, and also things like whether you have the personal work ethic to succeed at your business and deciding on short and long term goals for it. What you need to know though is the many benefits of having a home based business or data network affiliates.Financial FreedomOne of the biggest benefits of having and running a business based out of your home is the incredible financial freedom it can sometimes bring. Depending on which type of business you start, you can begin earning what is called passive income, which is basically money that comes in with little effort or work. This leads to financial freedom – the ability to live as you want to without the fear of debt and living from paycheck to paycheck.FlexibilityAnother major benefit of running a business based out of your home is that you can run it in your spare time rather than every second of every day. Because you run it, you control when you run it. There’s no answering to a boss, only your customers, and it is your business so you set the hours. Data network affiliates and home based businesses are notoriously flexible in their very nature. Depending on what type of business you run from home, you can concentrate more on your health and wellness, or concentrate on working toward a passive income so that you have more spare time.WellnessIt may sound a little odd, but this truly is one of the most reported benefits of owning and running a home based business – improved overall wellness. The reduced stress of not having a boss to answer to, as well as the extra spare time you often get with the flexibility and financial freedom that home based businesses come with both help home business owners have an overall better wellness and health than those who work 40 hour weeks under a stressful boss, etc. Again, odd but true for real home based business owners.

Home Based Business Success – The Keys to Guarantee Your Success

Home based businesses are becoming more and more common to those who are seeking a way out of the corporate work world. In fact, more home based businesses will be started this year than any other time in history. This provides a huge opportunity to those who are seeking to drastically improve their financial futures as well as their family life.The truth is though however, despite a huge surge of new business owners coming into the industry, most people simply do not have what it takes to have real success in the home based business industry and many of the people that try to start a business will end up quitting only a few months in.
To have real success in the home based business industry you must follow the following tips to truthfully take your business to a whole other level:1) Perseverance: As I mentioned above, the vast majority of people who enter this industry will end up quitting within a few months of starting which leads to the biggest reason why people do not have success in this industry. If you really want to succeed, you have to persevere when times are tough and you don’t feel like doing anything. If you can push through the times when you are unmotivated, when you have a good day it will seem that much easier.2) Desire: The people that are most successful within the home based business industry have a burning desire to win, plain and simple. They are willing to overcome any obstacle because they have their eye on the prize and they’re not concerned with how long the journey will take, they just know that they will get there at any cost.3) Leadership: Leadership is an extremely attractive quality and separates the top earners from people who are making no money. If you look at anyone that is successful in the home based business industry, you will see that all of them have the characteristic of leadership and that they are able to direct a large following effectively.4) Specialized Knowledge: There is no doubt about it, you will need to have some specialized knowledge to win in the home based business industry. For most, the learning curve is too steep and they are not willing to push through it in order to develop the skills necessary to succeed. All top earners have educated themselves thoroughly and have applied what they have learned which has resulted in their success.The truth is that the home based business industry provides an equal opportunity to all those are willing to do what it takes. If you fall into this category, then I wish you the best of luck and I will see you at the top!If you are serious about your success in the home based industry, make sure you read the resource box below and click on the link for more information.

The Benefits of Free Home Based Business Opportunities

Many people around the world are now trying their luck in starting their home based business. Everyone seems to be trying the free home based business opportunities that are being offered. Everyday new businesses are arising in many homes around the world. These businesses are being operated entirely from a simple home computer. Some also find jobs that are at home and earning money while rendering services online at the comfort of their home. Staying at home and earning money is now becoming a lifestyle among many people. Most of them are quitting their office jobs because they are wasting a lot of time in the office but they are not earning enough for their family. People always want to have quality time with their loved ones and at the same time earn more money. Having a home business gives people the means to achieve their goals of a stable source of income and at the same time the flexibility to spend quality time with family.Aside from improving personal lifestyle, there are other reasons why more and more people are looking to free home based business opportunities. Most people want to run a business wherein they can employ their own business strategies. Home based businesses allow them to work on their business personally and use their creativity and learned business strategies to increase their profit. Moreover, people whose business is based at home are just working for themselves; they don’t have a boss to whom they are liable. It gives them freedom from the pressure of a corporate lifestyle.Financially speaking, home based businesses allow them to earn more money while spending less, and sometimes it will not even require them to shell out money to start the business. Most of the businesses started from home are born out of creativity and passion of the business owner alone. With all the massive layoffs, employee downsizing, increasing gas prices, etc.; it is now more practical for many people to start a home business or do a home based job to cut off personal expenditures and earn more at the comfort of their home.It is really rewarding to make money from home because it gives people flexibility in their lifestyle and how they spend their money and time. Free home based business opportunities are out there waiting to be found by people who want a productive business and a happy life with their family.

10 Questions Small Businesses Should Ask When Hiring An IT Service Provider

Based on the premise that small- and medium-sized businesses oftentimes lack specific criteria to go by when seeking to hire an IT services provider for their everyday Information Technology needs, the following list is a handy “cheat sheet” that addresses 10 main questions businesses should ask a potential IT service providers when seeking and comparing IT services:1) What specific hardware and software products, packages, and offerings does your IT company provide or resell that would make our business more effective and productive?
For example, if you’re a small business, certain phone systems will work better, and are licensed to work better for, small businesses of approximately 100 employees or less. Some even have constraints down to 50 employees or less or have constraints about how many locations they can service at once. Once the potential IT service provider tells you of the specific products they resell or offer, do your own online research and find out what the world wide web has to say about the differences between major communications companies and the appropriateness of their products for certain business sizes. Some communications product providers have initially aimed their products towards large-scale businesses and may only now be breaking into the realm of providing products that meet the needs of small and medium business. Each product, whether it’s a VoIP phone system or data backup hardware, has clearly stated constraints for number of users and business size before more upgrades or additional licensing are required. You’ll be in the know ahead of time, before hiring an IT service provider, if you “do your homework” on the products they intend to resell to you.
2) Of the services, hardware, and software you’ll be providing, will any of them actually lower our Total Cost of Ownership (TCO) in the short-term or the long-term? If so, how?
For example, installation of a new VoIP phone system may certainly produce a high initial cost, but when you consider that once installed, the new internet-protocol phone system will save hundreds, if not thousands of dollars in long-distance calling fees and between-site calling fees, that initial cost may be well worth the long-term savings. Moreover, new mobile phone apps and other unified communications methods and media are currently changing the way small and medium business do business by allowing your office phones to be duplicated on your mobile phone as if you’re never out of the office, or by streamlining your overall client communications to come to one place, saving you time and money, especially if your business requires you to be out of the office, in the field, or traveling often.
3) What is your fee structure and how is it advantageous to my small- or medium-sized business?
Fee structures come in many shapes and sizes, and those that are right for large enterprises are most often not right for small- and medium-sized businesses. While buying into an “incident-based” fee structure may be tempting in that you only pay for each occurrence of an IT problem, the unfortunate backlash of that fee structure is that, in their own attempts to make more money, some IT service providers may not create a solution that is a long-term fix for your problem. In fact, the IT provider may purposely only do enough to solve or “work around” the problem in the moment of the incident instead of creating an IT environment that prevents future incidents. In other words, on an “incident-based” fee structure, an IT company is actually monetarily encouraged to fix problems in pieces and not as a whole so that there’s another future incident waiting just around the corner that the IT company can be additionally paid for at a later date. This point begs for an answer to the next question:
4) Is your approach to IT solutions a reactive or preventative approach? Is it your approach to deal with our IT issues separately as they arise or to deal with our IT issues holistically?
A move within the IT industry from “a la carte” problem fixing to holistic solutions begs the question of whether an IT service provider is simply a reactionary entity that comes to fix problems as they arise or if they’re looking at the “big picture” of your business’s IT needs. Instead, many IT service providers and savvy businesses today are realizing that cost savings increase when the IT needs of a business are examined and troubleshot as a whole, preventatively. As a simple example, instead of performing data recovery after the crashing of one employee’s computer, a holistic IT company would have saved time and money by creating a monitored data backup plan with the hardware and software to perform backups well before someone’s computer crashes. As another example, instead of upgrading a business’s network whenever the size of the company increases due to a few new hires, a holistic approach would examine the projected growth of the company and request to implement network changes that can handle the growing workload before multiple potential hires are officially working and before company growth becomes a network-overload issue. A holistic approach does require though that an IT service provider conducts periodic assessments of things like how well your servers are functioning, how overloaded your network is or isn’t, and whether security and data backup practices are continually effective.
5) How will you solve IT issues that need immediate fixes before downtime negatively affects my business? Will you be responding remotely? If so, what happens when a remote fix is found to not be possible? Do you have someone in our local area that can respond on-site if necessary?
An IT service provider’s reaction time is crucial to your business experiencing as little downtime as possible. While remote fixes to your computers and your networks are often a cost-efficient solution for both your business and for the IT service provider, if there’s a server issue, you may oftentimes be in need of an IT professional that can be on-site to fix the problem hands-on. For businesses like stock brokers that use their computers to conduct real-time monetary transactions on a daily basis, excessive downtime can lead to a large loss of profit on behalf of clients that can then become upset and question your business’s validity. Avoid this problem by having a plan with your IT service provider ahead of time that notes exactly how much reaction time will be allotted for. If your IT company cannot be on-site within, say, an hour, you may want to consider another provider that can be there even quicker. This would mean contracting for services with a local IT provider, or at least contracting with a distant IT provider that has service professionals in strategic cities that are either close to or within your city.
6) How will productivity and cost-savings be shown? Is your IT company able to quantify the gains created by changes you’ve implemented within my business?
A periodic report sent either electronically or on paper, should be something your potential IT service provider can produce without a lot of effort. That’s because if they’ve chosen the proper products to boost the productivity of your business, and they’ve taken an initial baseline of the business’s productivity, quantifiable gains and losses should be easy to illustrate in a “productivity report.” This means a report that will answer questions like: how much faster is the server working after our recent upgrade? How much money are we saving per month now that we’ve upgraded to a VoIP phone system? How much faster is the website loading now that we’ve addressed latency issues? How many more calls can our business receive and handle simultaneously now that we’ve added more phone lines? How much more protected from outside and inside security threats are we now that we’ve implemented network security products and building surveillance cameras?
7) How are data backups implemented by your IT company? Do you provide emergency monitoring of our servers and networks? What happens in the case of a security breach?
A reputable IT service provider will be wise to perform periodic assessments of data backup systems and actually verify that those backups are working by attempting to retrieve random sets of data in a real-life application, such as pulling up accounts payable documents from three months ago and seeing if they can be opened without incident on an accounts payable employee’s computer. If the files are backed up but won’t convert to data that’s readable (i.e., if it reads as coded nonsense), then that’s a sign that data backup may be being performed but may not be accessible or usable when retrieval actually needs to occur. In addition, your networks, servers, and even your business’s buildings aren’t only under threat during business hours, so many IT providers provide 24/7 monitoring that shows up on an “on-call” IT phone that gets handed off between knowledgeable IT employees who can be “on call” throughout the night and respond quickly even if a server fails at 3am.
8) How does your IT company ensure the internal and external security of our networks, our websites, our VoIP phone system, our online admin areas, our passwords, and our building?
Though all of these security services may not apply to your small- or medium-sized business, those that do beg these important security questions. Proficient IT service providers can easily answer all of these questions by sharing with you what products and methods they implement in order to uphold the security of your business. They may recommend high-resolution security cameras, policies that ensure only administrators have access to crucial areas of your network, methods of storing passwords that aren’t on a sticky note in someone’s desk, and of course, firewalls and security software that ensure your website is hacker-proof. If the IT service provider you’re interviewing doesn’t have a quick, tried-and-true solution to your specific security needs, you’re better off finding a provider that does.
9) What certifications, qualifications, and most importantly, what experience does your IT staff have that will benefit my company?
While a common standard of having Microsoft and phone-system-brand certifications is common amongst the staff of many IT service providers, the real question is if any of the IT service provider’s employees have gone above and beyond to obtain not-so-common certifications and qualifications that make that IT service provider more of an expert in certain areas than the next. More importantly though is whether their experience matches and goes beyond their certifications. An IT professional going through a training course to obtain a certification is great, but oftentimes applying that knowledge in the field is a whole different ball game. Many IT service providers have decades of combined experience amongst their employees and have also kept current on applicable certifications, which is the type of pairing of education and experience to look for. If your server goes down, you’ll want an IT professional responding that fixes serves all the time, not one who’s checking his textbook for the next troubleshooting step.
10) Probably the most important question to ask, beyond obvious considerations of available products, potential costs, procedures, and so forth, is to ask: Is your IT company a good fit for my company, and if so, how?
IT service providers are usually accustomed to servicing certain business sizes or types. Oftentimes many small-city providers are dealing mostly with small and medium businesses while others within larger cities are mainly accustomed to working for large enterprises. You’ll want to match your business with an IT service provider that has a host of solutions tailored just for your business size. In addition, your business type is also a factor in that there’s a big difference between the IT needs of a stock broker whose commodities and sales are all online as compared to a retail store that holds a lot of valuable merchandise on a sales floor with glass front windows as compared to a large, barley marked warehouse that’s piled high with boxes of expensive equipment. The stock broker will need heightened online and network security while the glass-front retail shop may need heightened security cameras placed outside the building while the warehouse may need heightened security inside the warehouse and a strong server for mass inventory data. Ask potential IT service providers if they’ve ever serviced the type of business or a similar type of business as yours and if they answer “no,” you’re going to better off with an IT service provider that’s accustomed to working with your business size and type.
Therefore, following up on the premise that small- and medium-sized businesses oftentimes lack specific criteria to go by when seeking to hire an IT service provider, this list of ten basic questions will certainly have your business moving along the right path towards choosing an IT service provider only once for your business instead of going through several providers before finding the right one. This 10-question list is your small- and medium-sized business guide to honing in on the most qualified IT service provider because of its ideal fit with your business.

Home Based Business Income Opportunities – 3 Great Tips

It might not seem obvious to you but let us look at the many information printed about home based business income opportunities out there. There’s just a ton of stuff to digest. What makes it worse is that there are so called ‘top marketers or six figure earners’ telling you this and that.

The one thing you must realize is that credibility is very flaky today and it is as easy as your common copy and paste technique. How do you know which ‘big guy’ is telling you the truth about his achievements in building such successful home based business income opportunities? That is what you will find out in the next few paragraphs.

Just do short Google, Yahoo or MSN search on some other articles on home based business income opportunities categories and you find nothing short of generic advice and baby steps. There is something missing. You surely must agree with me on this. They (top earners) tell you to join affiliate programs and find proven home based business income opportunities and get started marketing online.

Since you are here, surely the stuff they told you in certain articles about home based business income opportunities must be a joke. That kind of information about home based business income opportunities at that time is a thing of the past.

You want the latest and greatest tips about instantly profitable home based business income opportunities:

Great Tip #1:

Firstly, home based business income opportunities come in abundance in all types of compensation plan and marketing system. We commonly refer now as marketing these programs online over the web. You bet your horses that this is the best way to profit wildly with any home based business income opportunities. The only other factor is knowing how to market properly.

Great Tip #2:

Secondly, the system from good home based business income opportunities only works well when you work at it. Going online doesn’t take the work out of the equation so you need to get your mind set to be serious about this for your lifestyle. Taking good information and implementing them into your online marketing system is crucial to your success in home based business income opportunities.

Great Tip #3:

Third, no matter that people tell you online about home based business income opportunities, they are mostly telling you a story and not so much on the facts. The only real way is to get to know the site administrator either in person or by personal communication to see if they are genuine to you based on their responses.

The trust aspect is very important. Make sure you practice good character in promoting your various home based business income opportunities online.

Finally, home based business income opportunities are abundant. You should also know that being in a direct marketing system is a highly profitable way online. The reason is your commissions are instant in certain home based business income opportunities. Make sure you take the 3 tips to heart starting today.

The Quest For Affordable Small Business Health Insurance

Studies have consistently shown that small businesses are much less likely to provide health insurance to their employees than larger companies. Indeed, the smaller the business, the less likely it is to offer health insurance benefits. As recently as 2003, about 50% of the uninsured in the United States were either self-employed or worked for companies with less than 26 employees.

The main reason for this disparity is cost. Health insurance for small businesses is typically more expensive than for larger companies (on a per employee basis) because it is more difficult for insurance companies to accurately predict the average cost of medical care for a small group. That is, risk is greater for insurance companies for small businesses since small businesses have fewer employees to spread the risk of health claims. It only takes one employee with significant health claims to have a significant impact on the overall costs for the group insurance. This is also the reason why small businesses do not self-insure; the financial risk is simply too great for the majority of small businesses.

So what can a small business do if it wants to offer health insurance to its employees? Often they have no choice but to pay the premiums. More often than not they will split the cost of premiums with their employees, typically 50/50. Unfortunately, these small business health insurance plans are not only quite expensive, but also include significant deductibles and co-payments for the employees.

Small businesses can sometimes reduce their health insurance costs by either joining or forming a purchasing cooperative to negotiate better rates and benefits from companies offering small business health insurance. Depending on the type of business, professional organizations can also offer better health insurance rates to small businesses.

In their search for affordable health insurance, small businesses should obtain multiple quotes before deciding on any one small group plan. One of the best places to start the process is online. By using the Internet, within a very short period of time, small business owners can access dozens of quotes from several insurance companies, making comparison of various plans much easier.

Of course, as a small business owner, if you are not comfortable shopping for your small business health insurance on the Internet, look for a good health insurance broker. If possible, interview more than one broker, and ask your peers for recommendations.

In order to remain competitive in the labor market, small businesses need to be able to offer health insurance benefits for their employees. This is not always easy as cost can be a limiting factor. With some effort, however, small business owners can find affordable small business health insurance. Joining buying cooperatives or professional organizations, using the Internet (probably the most convenient), or contacting a health insurance broker can be effective ways to begin the challenging process of securing affordable small business health insurance.

The Finer Points of Internet Auctions

WHAT IS A PENNY AUCTION?

Penny auctions have exploded in popularity with the massive growth of the internet. However, few people know the true origins of penny auctions.Beginnings actually stretch back to the Great Depression. Those were hard times for everyone, but even harder for farmers. Farmers struggled to bring in steady income because of droughts and crops not selling as well as they had previously. As a result, the banks would foreclose on the farmers who couldn’t keep up with their mortgage payments.

The banks weren’t satisfied with just repossessing the house, they wanted to raise as much capital as possible, so they resorted to selling off the possessions of the owners of the repossessed houses. There was not much the farmers could do about it so they began bidding ridiculously low prices, pennies, on the items while threatening others who dared to bid higher than a few pennies.

The auctions of today hardly resemble their tremulous beginnings. Being part of a penny auction today is exhilarating, fun, and addictive. It combines the selling format of auctioning with a little bit of chance factored in.Auctions are a game of strategy but also a game of luck.

The premise behind penny auctions is giving people the chance to win an item at a drastically reduced price.Auctions make that possible by spreading out the cost of the product among multiple bidders. In order for a person to take part in an auction, they must pay a set price for each bid. For example, if a person wanted to bid on a fifty dollar Amazon gift card then he would spend a dollar for each time a bid placed. If he ended up winning the gift card, then he would only have spent a few dollars for a fifty dollar gift card. Usually penny auctions sell bids in packages.

HOW PENNY AUCTIONS WORK!

The main foundation of penny auctions is the pay-per-bid format. It is the key that allows bidders to win items at the fraction of their retail value and allows the auction owners to keep their site profitable. Most y auction sites run on the same premise: people pay a set amount for each bid, whenever a person places a bid within the closing seconds of the auction time will be added, the last person left with a unique bid after the clocks runs out will win the item. There are a large variety of items that can be won, but they tend to be popular electronics or gift cards to popular stores.

There are two types of auctions: lowest unique bid auction and highest unique bid auction. Lowest unique auction sounds confusing but it is actually quite simple. A unique bid is when only one person has a bid at a certain price. Bids usually start at one penny, a bidder can then place a bid at two pennies. Until another bidder places a higher bid, the most recent bidder will be the lowest unique bid because that was the only bid at two cents and nobody bid higher. However, penny auctions generally don’t stop at one penny. It is not uncommon to find auctions that end up at a couple hundred dollars based on the popularity of the item being auctioned. However, the same principles apply for those auctions. Highest unique bid auctions follow the more traditional auction format such as eBay. The person with the highest bid at the end of the auction wins the item.

Auction site owners turn a profit by selling bids. Say twenty people are bidding on a ten dollar gift card at one dollar per bid, at the end of the auction if there were twenty bids placed in total then the site owner would have made twenty dollars with a ten dollar profit.Auctions do seem like a win-win situation:The site owner makes money while the bidder gets an item for dirt cheap. However, not everyone wins in penny auctions. The people who paid one dollar each bid but left with nothing to show for their investments will not be so happy.

HOW TO WIN!

Penny auction has a lot of chance mixed into it, but one can incorporate strategy that will help raise the chances of winning. Playing smart can make all the difference between gambling and auctioning.

The first crucial tip to winning penny auctions is to know how to manage your bids. Your goal should be to win as much as possible without spending a ton of money buying bids. Managing your bids means that you should already know how much you are willing to risk in order to win an item. The amount of capital you are willing to risk will determine how many bids you can use. Once you know how many bids you have to spend on an item, then you will be better able to manage how and when you place a bid. That will keep you from blowing away all of your bids in the first few seconds of the auction.

The next tip is to practice time management. When fighting in the trenches of penny auctions, you have two enemies: other bidders and time. Knowing when to bid is a must if you want to have success. Placing a bid when there is a lot of time left on the clock is never a good idea. You have to remember that the key to winning a penny auction is being the last one standing when the clock runs out and that each bid increases the amount of time left. It would be a good practice to wait until the last few minutes of the auction before you begin to bid.

The final tip for successful auctioning is to keep your emotions under control.Auctions have a lot of similarities to gambling, and just like gambling, your spending can get out of control. If you keep your emotions level, it will keep you from making rash decisions and blowing loads of cash. Keep your mind clear so that you can gage the behavior of the other bidders and outsmart them.

HOW TO AVOID SCAM SITES!

Penny auctions are a great addition to the web whether you want to win an item that otherwise you wouldn’t be able to afford or if you simply enjoy the thrill that comes with bidding in auctions. Unfortunately, scam sites have tarnished the reputation of the legitimate penny auction sites. However, there are ways that you can protect yourself from scamers and enjoy your auctioning without having to worry about losing your money due to dishonesty.

Checking the reputation of the auction site before you start spending your hard earned money is always a good idea. Chances are other people have tried the site before you and some of them have left reviews. The reviews are your way to gage whether a auction site is trustworthy or not. If a site is getting overwhelmingly negative reviews, then that is a clear indication that you should steer your business elsewhere.

Another tool you can use to protect yourself is checking the Alexia ranks of the auction sites. Alexia rank will give a solid view of how much traffic the auction is getting. If you see a huge difference in the amount of traffic Alexia is projecting and the amount of active bidders on the site, then warning signals should be ringing in your head. Some auction sites have been known to set up robots that automatically bid on projects in order to keep the auction going and inflate the price. That is known as shill bidding. You can sniff out those sites by comparing the traffic the site should be getting to the amount of users using this site.

CONCLUSION!

New legislation may come out later down the road that will officially make penny auctions gambling, but until then, it is a fun, exciting auction that allows one to win the item they’ve always wanted but couldn’t afford.Auctions are also quite lucrative for the site owners because of the pay-per-bid strategy they’ve incorporated. Penny auctions had humble beginnings with farmers who just wanted to get back at the banks who kicked them out of their house. More recently, auctions have enjoyed an explosion in popularity with the rise of the internet.

There are two main formats fora auctions, lowest and highest unique auction, however they both run on the same premise where the last unique bid wins the item. Winning a penny auction will require a certain amount of mental tactic and a bit of luck. However, you can increase your odds of winning by practicing certain techniques such as managing your bids wisely, learning how to work with the time, and keeping a level head and your emotions under control. When you combine those three strategies to your bidding plan, you will find that you win a lot more often.

It is important that you do your due diligence to protect yourself when participating in auctions. Not every auction is run by honest and trustworthy people. There are people out there who just want to take your money. You can protect yourself by ensuring that you only bid on sites that already have a very positive reputation from real users.


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