3 Procedures Insurance Companies Often Won’t Cover and Why They Should

Healthcare is a trillion dollar industry in the United States. And with healthcare mandates still in place, that number will continue to grow. Some people balk at that figure and complain that insurance companies care more about financial consequences than the health or science behind submitted claims. But that’s expected–insurance companies aren’t nonprofit organizations. It’s their job to make a profit.


Historically, this need to make a profit has dictated the insurance company’s approval or denial of potential procedures for patients. But is it always good business to deny healthcare coverage for some of the conditions that are excluded? Here are three procedures insurance companies won’t usually cover, and why they should:


1. Stem cell therapy.

Stem cell therapy is one of the most promising treatments for countless disorders: autism, aging, Alzheimer’s disease, autoimmune diseases, traumatic brain injuries, back pain, arthritis, COPD, diabetes, lupus, Lyme disease, MS, neuropathy, Parkinson’s disease, RSD, strokes, ED, hair loss, joint problems, heart failure, kidney failure, liver disease, spinal cord injuries, etc.


In the past, stem cell therapy was wrought with a lot of controversy surrounding the use of fetal tissue, but now, therapies are performed using the patient’s own stem cells derived from adipose (fat) tissue and bone marrow. The results are phenomenal; major improvements in conditions and often reversal of diseases. So why isn’t everyone clamoring to a stem cell treatment center for a consultation with doctors concerning treatment options? The answer lies in the failure of insurance companies to cover the procedures unless they are piggybacked with certain surgeries or trial studies.


Luckily, the future looks promising for greater acceptance from insurance companies. Covering stem cell treatments actually makes good business sense since the costs of stem cell treatments are often less than a patient’s financial responsibility after traditional surgery (something most patients don’t even realize!), substantially lowering any payout from an insurance company if treatments were covered; in addition, as individuals with chronic conditions improve, less visits to doctors mean less insurance payouts. The bottom line is more money for insurance companies if patients can get insurance coverage for their stem cell treatments.


2. Weight loss surgeries.

There is an obesity epidemic. The number of obese and overweight individuals in the US is staggering: almost 40% of the adults in the United States are obese according to a 2015-2016 study by the CDC. And with obesity, there is a surge of obesity-related health problems including type 2 diabetes, high blood pressure, joint problems, depression, heart disease, strokes, certain types of cancers, etc.


It’s estimated that the costs of treating obesity-related conditions is close to $200 billion dollars each year in the United States. Weight loss surgery has been found to reduce the healthcare cost of these individuals. Unfortunately,  although more large insurance companies are covering weight loss surgeries, they are limiting the types of bariatric surgeries patients can elect to have; limiting who can have the surgery; and requiring companies to pay additional money for weight loss riders, consequently cutting out most employees who work for small businesses and can’t afford the rider.


In addition, some states have laws requiring insurance companies to cover weight loss surgery–but only if a patient meets the health criteria (at least 40% BMI or 35% BMI with certain health conditions, and unsuccessful weight loss attempts). And often when they “cover” the surgery, they often don’t cover the entire procedure. That leaves a huge number of patients paying a large percentage, if not all, of the costs of their surgery out of their own pocket or deciding not to get a surgery that could actually cure or reverse many of their severe health issues.


If insurance companies would expand their coverage to include the best weight loss surgery for each individual patient’s needs, open coverage to all obese individuals healthy enough to have it, do away with bariatric surgery riders, and cover the entire procedure and not just a portion of the bill, their profits could actually go up as treatments for obesity-related conditions go down.


3. Fertility treatments

Being infertile may not be life threatening, but it is devastating. Sadly, over 12% of all women have problems getting pregnant or staying pregnant. For those couples hoping and dreaming for a baby, not being able to conceive or maintain a pregnancy feels almost worse than death. Many would trade their infertility for any other disability if it meant they could have a child.


The fact is, many of these couples could actually have a child if they could just afford fertility treatments. Unfortunately, very few insurance companies have infertility benefits, and the costs of receiving treatments (often tens of thousands of dollars) is more than a lot of individuals can afford out of pocket. So couples who do scrimp and save or take out huge loans to pay for fertility treatments themselves often make costly, life-risking decisions to go against the suggested one embryo transfer with IVF and, instead, transfer multiple embryos at once. They may only be able to afford one round of treatments, and they want to up their chances of bringing home a baby or two in the end.


This choice, however, often results in high risk, multiple-birth pregnancies and a higher risk of life-long health complications for mothers and children and higher long-term healthcare costs for insurance companies. Insurance companies would be financially wise to start covering infertility treatments. A study out of Alberta, Canada, shows how fully-funded IVF treatments improve health outcomes and can save the healthcare system millions of dollars over a five year time period: $29 million reduction in prenatal, delivery, and neonatal costs; and a reduction of $156 million in long-term disability costs. Quebec and several Scandinavian countries already successfully fund fertility treatments–US insurance companies should as well.


There are sound financial reasons why insurance companies should be more willing to cover stem cell treatments, weight loss surgeries, and fertility treatments. In the long run, allowing more individuals to receive these life-changing treatments will result in lower insurance payouts down the road. Insurance companies are slowly beginning to cover more individuals who need these treatments, but they still have a long way to go.

Ways to Increase Your Business

There is not one way to increase business that works for every company. It is something that is different for each business. Finding what works for a particular business operation is important for achieving continued success. Small businesses account for over 53 percent of all sales in the United States. Getting a small business to regularly increase its sales is something that can be done but will take a commitment to changing and adapting.


Security Online

Ecommerce is one of the best ways to quickly and efficiently provide goods and services to the end customer. When a company has a reputation with its customers for providing safe and secure online transactions, it will help increase their business. Successful business owners know how to manage online risk. Preventing and minimizing damage during a cyber attack should be a significant part of ecommerce website security. This could involve PCI security compliance, maintaining SSL certificates, monitoring ecommerce activities as well as running cybersecurity safety checks and more.


Embrace Web Opportunities

Once a business has confidence in their online security, they can explore all the opportunities available for their business on the web. A business should take the time to develop an online sales model specifically designed for their product or service that will increase sales. It will require building an online relationship with customers by providing them with a website that is easy to use and navigate. The information on it should be presented clearly using as few words as possible. It should also have detailed contact information and provide the best possible customer service.


Sales Funnel

Companies have experienced an increase in the business when they viewed their website as a sales funnel. The majority of customers don’t purchase the first time they go to a company’s website. They just want to look at some general information. This is the top of the funnel. Providing the correct information can move a prospective customer down the funnel toward getting a sale. This is often done by anticipating what a customer wants to know the second or even third time they view a company’s website.


Complementary Services

Many companies have had success with increasing their business by adding complementary services to their existing products. There are warranties that can be added at no extra cost. A product purchased as a gift can have a personalized card attached to it. Significant discount on future purchases can be offered to active customers and more.


Join With Other Companies

Businesses have benefited by contacting companies that sell products or services that would complement their products or services. Many computer hardware companies have had success in joining with software companies. When customers want software, they are presented with options for hardware. When customers want hardware, they are presented with software. Doing this could require a little investment in additional marketing and sales but has the potential to provide a significant return on investment (ROI).


Effective Price Strategy

One of the most essential factors in a consumer choosing to purchase a product or service is the price. A price too low can seem a bargain in the minds of some consumers or priced to move a low-quality item in another consumer’s mind. The key to an effective pricing strategy is for a company to know exactly how its customers feel about their product or service. Once this is established, a company can develop a successful pricing strategy designed to influence their desired market behavior. It’s important to consider all prices as temporary. They will always need to be adjusted to meet market demands and challenges from the competition.


Most companies with a long track record of success are constantly changing themselves. This is often done to meet market conditions, advancements in technology and more. They approach this with a strategy based on current circumstances. When a company is trying to increase their business, the changes should be based on how to best serve their constantly evolving customer base.

Traumatic Brain Injuries: A New Hope

You watched as your daughter went down on the volleyball court. She was trying to block a spiked ball coming at her when a fellow teammate’s elbow hit her squarely in the nose, rendering her unconscious.


Of course, this same injury could’ve happened on a basketball court or football field or soccer field or any other type of sports arena. In fact, over 300,000 traumatic brain injuries (TBIs) occur each year just from playing sports. But athletes aren’t the only individuals who suffer TBIs. Many young children learning to climb and play experience falls; many elderly individuals suffering from poor balance experience falls. Sometimes, it’s just a bump on the head as you’re climbing out of your car; sometimes is the trauma of a car accident that causes your injury.


The fact is, any sudden back-and-forth jarring action to the head can cause the brain to bounce and twist around inside the skull, resulting in injury to the brain. Some traumatic head injuries are mild such as a strong elbow to the nose, and some are more severe and devastating.


Side Effects of Traumatic Brain Injuries


The more mild TBIs are called concussions and manifest themselves through side effects such as headaches, confusion, loss of balance, amnesia concerning the event, temporary loss of consciousness, nausea and vomiting, blurred vision, sensitivity to lights and sounds, dizziness, fatigue, ringing in the ears, etc. The effects of concussions generally subside after a few hours or a few days.


Additional side effects could emerge hours or days after the injury and trigger long-term problems such as memory problems, trouble concentrating, irritability, personality changes, continued sensitivity to lights and sounds, disorders of smell and taste, sleep problems, depression, psychological problems, etc.  Luckily, these long-term effects are rare, and 80% of individuals who suffer from concussions recover fully within six weeks.


Post-Concussion Syndrome

Those who, after three months following their injury, still suffer from severe headaches and the additional long-term concussion side effects are often diagnosed with post-concussion syndrome; these side effects can cause problems for a few months and up to a year or more after the injury; the side effects often severely impact the individual’s psychological and behavioral stability and his or her ability to perform higher mental tasks due to short-term memory loss and attention problems. The good new is very few individuals continue to suffer from memory problems a year past their injury.


Moderate to Severe Traumatic Brain Injuries

Moderate TBIs are generally considered to be brain injuries that result in twenty minutes to six hours of unconsciousness; severe brain injuries are considered to  be injuries that result in unconsciousness that lasts more than 6 hours.


The side effects of these traumatic brain injuries are more severe than concussions and can be long-lasting and even permanent. Cognitive problems such as attention, concentration, memory, confusion, impulsiveness, and distractibility are common afflictions. Speech and language problems, sensory problems dealing with touch, and vision, hearing, smell, and taste issues all are areas of continued concern. Many individuals will suffer from permanent physical disabilities from severely impacted motor functions. And many will suffer long-lasting interpersonal relationship problems due to negative social-emotional and behavioral effects such as aggression, irritability,depression, mood swings, lack of motivation, etc.


Treating Your Traumatic Brain Injury


Mild injuries or concussions generally don’t require any treatment other than rest, taking care of your headache with over-the-counter medications, and monitoring your symptoms at home. Because of some of your memory problems and dizziness issues directly following your concussion, you may want to stay away from work or school or sports until those conditions lift.


Moderate to Severe Traumatic Brain Injuries

With moderate to severe traumatic brain injuries, several initial treatments will be performed once MRIs are completed and assessments are made: patients are often put on ventilators to keep their breathing steady; medications are often given to control seizures and to heavily sedate patients into brain-healing, medically-induced comas; and surgery is sometimes necessary as the only way to stabilize a patient.


Once a patient is stable, rehabilitative care begins. Many individuals with severe traumatic brain injuries need to receive physical, speech, and occupational therapies to learn to adapt to their new disabilities, learn to walk and talk again, and relearn life skills the best they can. Other patients will need to meet with neuropsychiatrists to deal with any issues in thinking and behavior that may have developed due to their brain injury.


There are so many resources available to individuals who have suffered a TBI. And recovery is possible, although it is a tough road for most. In the past, relying on the various physical and occupational therapies, hoping to be one of the lucky ones whose brain could adapt and reroute pathways to begin functioning again, was the only hope.


Today, there is a revolutionary therapy offering new hope and actual reversal of brain damage: a stem cell treatment for TBI. Using stem cells taken from the patient’s own adipose tissue (fat), the patient is injected with a serum containing those stem cells that, in turn, target injured areas. These stem cells trigger regrowth of healthy cells in place of the damaged cells, allowing the brain to heal, and the individual to gain back many previously lost functions.


Traumatic brain injuries cover a wide range of symptoms and degrees of permanence. Depending on how severe the injury is, individuals can experience results along the entire spectrum of healing: a full recovery to lingering issues to full disability. Where it once was believed that severely disabled TBI patients weren’t destined to see much improvement over their lifetimes, now, with promising new treatments, there is  hope for healing.


Work With Your Kids and You’ll See a Difference

Raising kids is not easy, and you are always trying your best, but there are some ways you’d like to improve. If you find yourself frequently arguing with your kids, chances are that this is one area of parenting you’d like to improve. It’s time to get on the same page with your kids to become a united front. Things go so much easier when you do.


Right and Wrong Time to Argue

At some point during your parenting journey, you’ll hear the question “Why?” However, it’s not always because your child wants to understand your reasoning at the moment. Sometimes, kids just want to argue to get attention or to push for what they want. You’ll end up running in circles if you engage in arguing for the latter reason. Simply explain that you’ll get that Finn Balor action figure at a later time, but not right now. It’ll not be the time to discuss when that’ll happen either. You can talk to them once they’re calm.



Kids tend to argue a lot about their diet, but there are some ways around arguing while getting them to eat more nutritious foods. Include your kids in solutions. Explain why it’s so important to eat nutritious foods and how you and your kids can create solutions to that. For example, you want them to eat two vegetables at dinner, but they hate brussels sprouts. Ask them which vegetables they’d be willing to have. You could also ask if a fruit would be okay. You could tell them, “We need to eat the rainbow of fruit and vegetables in a day. Could you help me to figure out what to get at the grocery store?” This is so much better than saying, “You have to eat this.” Allow you kids to have treats too, but emphasize that you don’t want to eat sweets all the time, and let them know the real reasons why.


Proper Hygiene

It’s important for your kids to have proper hygiene, so you probably don’t want to budge on that. However, there is wiggle room on how that’s accomplished. Create fun options for your kids’ hygiene. For example, it’s not really important how your kids shower or bathe as long as they do. You might not be willing to accept a dip in the pool as a shower, but consider creating an oasis of sorts in the bathtub. Let them put food coloring in the water, and give them bath crayons to draw on the tub. Let your kids use an electric toothbrush or one that lights up to let them know when their time is up for brushing teeth. Give your kids the option of having short hair or taking care of their hair if they’re upset about brushing their hair.



Hair is one of those things that parents end up fighting about with their kids, but in the grand scheme of things, you have to consider what you’re willing to fight about. There are so many things you need to say “no” about to your kids that are necessary. You should say “yes” to things that aren’t such a huge deal. It might bother you for your child’s hair to be pink, but if it’s allowed at school, let them dye their hair pink. You could specify that it be temporary if that makes you happier. The truth is that hair grows out, and you can always cut, trim, bleach or dye it another color. At the end of the day, they’re going to remember the fun stuff you let them do, and they’ll more likely respect the times you say “no”.


Parenting can be frustrating at times, but it doesn’t have to be. Parents tend to take things personally when it’s normal developmental behavior to test parents and others. Provide options and boundaries. Your kids will eventually catch on that you’re really on their side, and they’ll appreciate you for your patient love.

Increase Your Business With These New Technologies

In business today, it is more competitive than ever. You need to find ways to improve on your current processes or risk falling behind. This is true for sales, marketing, and more. So make sure you are getting the most out of your resources. Grow your client base and increase your success with these new technologies below:


Sales Technologies

Businesses use a variety of technologies to increase sales. However, too few of them use lead generation software as a part of their arsenal. The reality is that this is one of the more effective approaches to take.


Lead generation is the lifeblood of any business. Without leads, your team cannot sell to anyone. You need people in the pipeline as prospects before they are ever going to turn into satisfied customers.


Once people are in the funnel, people also make the mistake of doing everything manually. From filing the information about the client, to sending it to others in the organization, to rating the lead based on how high quality it is, you need software that can do that for you.


When you leverage the power of lead gen software, you save yourself a lot of time and money. Thus, you can spend it doing something else that can really move the needle for your business. So don’t miss out on the benefits of having a solid system to handle your leads. Your team and your wallet will thank you down the line.



A great CRM is something that will act like glue for your sales and customer service teams. You need a great CRM to manage the relationship with your customer, which is the most important thing in your company. CRMs allow your team to access the database of customer information, share data, and update accounts anytime from anywhere so that you can analyze that data later and make great business decisions.


Automate Your Social Media

If you are making social media posts manually, then you are missing out. You should be using the power of social media scheduling apps to make your marketing team’s job easier. It also frees them up to focus on higher level aspects of your business so they don’t waste their time and your money on small things.


Email Segmentation and Automation

The art of the email is becoming rare. However, those who understand how to build and manage an email list will always prevail over those who lack these abilities. Using a comprehensive plan, you can email your list at the right time to spike sales, reduce customer complaints, and promote new business ideas.


New email technologies are coming out every day. One that you should certainly be using is an email automation software. It allows you to sort emails, send variations, and even see when people click on a link. That way, your email strategy can continue to improve.



Each process in your company is unique. However, once it has been done once, you should have a decent idea of how to do it again. This is where the power of the SOP – standard operating procedure – comes in. By documenting your processes on paper or in a digital word document, you can share it with anyone that you hire for the position.



Long gone are the days when you had to fly in a trainer or take your team to another city. You can train your team in any area with online video in the cloud today. This frees up time, eliminates travel, and creates efficiencies.


If you want to get ahead in business, you need a strategy to leverage the best technologies available. If you don’t have one, you risk falling behind the competition. So don’t miss out on your chance to position your company for massive success as technology continues to evolve. Instead, use the technologies above and have peace of mind that you are ahead of the curve.

Increase Your Business with These Tips

If you are a business owner, finding ways to grow your business is very important. While you may want to grow your business to a larger size, doing so can be problematic and challenging. Fortunately, there are a variety of tips you can follow that can help you to increase your business while also continuing to be successful.


Focus on Service

When you are looking to grow your business, one of the most important things that you need to do is make sure that you are providing good service your customers. Above all else, you need to make sure that you are making each and every one of your customers satisfied with your product and service. If you start to grow too quickly and don’t provide good service, it will be harder to fix service problems going forward. Because of this, you need to take customer service very seriously, which will also help to improve your reputation.


Controlled Growth

When you are looking to grow your business, another tip that you need to follow is to make sure that you are following a controlled growth plan. Many business owners get so excited about growing their business, that they forget about their core principles end up growing way too quickly. Instead of this, you need to make sure that you follow a very controlled process for growth. When you do this, you will be better able to monitor your business and also identify risks and threats that come about. This will lead to a better business model, even if you are not growing as fast as you would otherwise want.


Data Security and Protection

Over the past few years, the risk of data hacks and security has continued to be a very big area of focus for businesses of all sizes. When you are looking to grow your business, you need to continue to have a data security on your mind at all times. This is especially true as growing companies tend to be the target of data hacks than other types of companies. When you are looking to improve your defense, you need to have a managed detection and response plan in place. Doing this will help to ensure that you are ready for anything that can come your way.


Focus on Accounting and Financial Records

One of the biggest challenges that a business owner can have when they are growing is finding ways to manage their books. While a small business owner may be able to manage this aspect, the more you grow, the harder it will be. This is especially true as you take on more accounts, hire employees, and have more complicated transactions. Because of this, finding ways to properly manage your books should always be a top priority. When you do this, you will have great insight into the current state of your business, will be better at paying bills on time, and will have a higher collections rate. Ultimately, this will help you to be more profitable.


Get Help When Needed

One of the biggest mistakes that a business owner will make when they are growing is that they will not ask for help or seek advice when needed. Today, there are many different service providers that can handle certain aspects of your business. When you hire these firms and consultants, it will ensure that certain parts of your business are properly managed. This can help ensure you get a better result and can focus on other business areas.


As you are growing your company, you need to make sure that you stay focused. While business owners are always required to work hard, you may need to put in even more hours as you are fueling the growth of your company. While it can be a lot of hard work, doing this will help you to grow successfully and it will prove to be worthwhile.


Cool New Technologies Your House Needs

The world has become a much smaller place with the advances in technology, everything is at the tips of your fingers, whether it is good or bad. However, with all the good things technology has offered, there are dangerous things that come with it. Parents are always looking for ways to keep their families safe, whether in the home or on the computer. There are some steps that can be taken to make your home and family safer. These include installing a security system, installing software on your computer, and monitoring technology for signs of bullying.


Safety in the Home

The cornerstone to improving safety within the home is with a home security system. Smart Home Automation and Home Alarm Systems/Home Security Systems provide the ability to perform a multitude of functions. New technology allows you to control the system from your phone, which means you can control it from anywhere. Smart systems can perform a variety of functions. For instance, the Fluent security system provides the newest technology for home security and energy management. This kind of system will help protect your family from break-ins, fires, and medical emergencies, while allowing you to connect your smart systems, like your thermostat or lighting.


All this technology is housed in the smart control panel which can be accessed by your phone. So, gone are the days of wired sensors and wired keypads. You have remote access from anywhere. As long as you have a connection to the Internet, you have access to your system. Along with the homeowner being able to control the system, companies offer around-the-clock monitoring – so there is always someone there watching out for you and your family and available to help you.


Internet Safety

The Internet is a wonderful technological advance. However, though most of us are good people using it to find valuable information, there are those people who will take advantage of the Internet. There is something called the dark web, where unscrupulous people engage in sometimes illegal activities, like selling drugs and selling identities of unknowing people. So, another way to protect your family is to protect your identity and monitor the Internet that is being accessed in your home. There are websites that will check the dark web and make sure your information is not being accessed. There are security measures, include securing your network, installing virus protection and using spyware programs, that will help reduce your network’s exposure to outside people. And, to protect your children, you can also install parental monitoring programs, so you can manage where your kids go online.


Cyber Bullying

Cyberbullying is not only a problem in your home, but will spill over to your child’s school. Parents need to recognize the signs of cyberbullying, whether your child is the victim or the perpetrator. Parents need to work with schools and, potentially, law enforcement to crack down on this type of behavior. When adults step in, it shows children that bullying will not be tolerated, and helps reduce the pervasive occurrences of these actions. Cyberbullying can have devastating effects, from low self-esteem to suicide. To protect your children, parents must monitor technology, including computers and smart phones, while educating their children on how to react to bullies. Since many children will not talk about being bullied, sometimes monitoring the technological is the only way to find out.


Protecting your family is an inherent and ingrained reaction. People want to protect them from danger and are always looking for new ways to achieve this goal. Families can use technology to help with protection, but the technology can often be the source of danger. Therefore, it is important for parents to monitor and protect their children while online or on a smartphone. Additionally, physically protecting your family is important. There are many security systems that will aid greatly in this effort. Using all the available remedies in conjunction with each other will allow parents to sleep better at night and provide the protection they are seeking.

Improve The Way You Do Business

Increasing your productivity is crucial to success in business. However, far too many companies do not implement the right strategies to accomplish this. Make sure that you don’t miss out on the chance to get more sales and growth for your business. Instead, use the following strategies to improve the way you do business on several fronts:


Increased Transparency

If you have team members that need to communicate with each other on a daily basis, then you need tools that helps this process go faster and more efficiently. If you don’t, you might have hours of wasted time per day where customers are not getting what they need and your management team can’t move projects forward. The visual collaboration tools, such as digital blackboards, that exist are giving companies a step up in the realm of removing obstacles to sharing documents, updates, ideas, and more with everyone that needs to be on board.


Another way to increase transparency it to have a hierarchy that is more flat than you have had in the past. Instead of having one manager whose word is the last stop, consider having a merit based system. Let everyone’s idea enjoy equal footing. Then, the team can vote for the best idea. You can reserve the final decision, of course. But you are enabling them to produce create new ideas that might move the needle in a big way for your business.


Improve Daily Processes

The daily processes of your business are one key area where you can spend more time optimizing. There are several things that you probably don’t think of that regularly but affect the way your profits and losses are trending.


Take, for instance, the way that your customer service answers emails. Perhaps they spend several seconds or minutes typing out a response or thinking of the best way to handle a situation. Then, they aren’t sure, so they put it off and circle back around to it later.


The next day, the agent still hasn’t resolved the issue so they get a manager involved. Now, you have two people involved in a decision that should have required one. In addition, the customer is waiting all this time. These bottlenecks will kill your productivity and ability to solve problems quickly. The solution is to have an SOP (standard operating procedure) for any task that is repeated in your business.


Essentially, this means that upon the second time that you are dealing with a task again, you need to create a process for it. Then, document this process in a virtual document system or organization platform of some kind. That way, everyone that needs to can access it remotely.


Supercharge Your Marketing

Marketing is the lifeblood of any business. Without great marketing, you are doomed to remain in the shadows. After all, if you have the absolute best solution for your market’s problem but you never make them aware of it, they simply won’t ever buy.


For the above reason, getting in front of your prospects is the top priority. Your marketing should be designed to catch attention from the first second. This gets you a chance to convert them by going more in depth later.


Once you have their attention, such as watching your video or clicking your ad, you can include more calls to action. Consider encouraging them to share your content, sign up for your email list, or even buy the product right there. If your funnel is set up right, you will get less resistance at this point.


When it comes to business today, you need a workflow that allows your employees to get the most done in the shortest amount of time. If you don’t, others in the market may find a way to undercut your prices and force you to go on defense. So make sure that you are in control of your processes in your company by implementing the solutions above.

What to Do Before Moving Into Your First Apartment

You finally got an apartment, and you are feeling excited about moving into a space of your own. Almost every young adult wants to rent their space to enjoy flexibility where they can paint and arrange without the control of their parents. Besides the excitement, there is a lot you need to do as you prepare to move into your first apartment, whether you are still in college or after. Therefore, you cannot rush into moving in without doing these things or trying to do everything at once. It takes persistence, time, and willingness to avoid ending up in an apartment hurriedly and living in regrets.


Protect yourself

Most renters will admit that they have never thought about taking renters insurance, leave alone paying for it. Surprisingly, most people who have considered renters insurance and are living in apartments or rented homes don’t even have the proper renters insurance. Rented homes or apartments are more likely to get broken into than owner-occupied homes. Unfortunately, most renters don’t think about the risks they face; thus, they get contented by the insurance covers taken by landlords. Renters insurance covers liability, possessions, and extra living expenses, rather than waiting until it’s too late. Therefore, you need to shop around for cheap renters insurance before you even move into your new apartment. As you shop for renters insurance, be sure to ask about the risks covered by the policy as well as the claim process to be sure that it favors your needs.


Understanding the financial aspect

Young adults ought to realize that entering into the adult world can be challenging at first especially if they are creating a budget or dealing with their finances. Several things come down to money including apartments. Therefore, one of the most important things to do is to consider your budget or financial situation before moving out on your own. You need to know the amount of money you expect to spend on your rent as well as the moving costs. Also, sometimes you might need to hire realtors as you search for an apartment so that they can show you an array of flats. You should also be aware of additional costs that come with renting apartments such as electricity bills and heating and cooling expenses.


Buy furniture in bits

Chances are you are planning to buy new furniture since you are moving into a new apartment. You might be considering filling your new apartment with furniture all at once as quickly as possible. However, racing up to purchase all the furniture at a go might be one of the costly mistakes you want to avoid. Also, you will most probably fall in love with every piece of furniture you find, and get tempted to buy unnecessary items. For starters, it is paramount to know the measurements of your dining room, bedroom, kitchen and other rooms in your new apartment before buying any piece of furniture. Besides helping you to avoid buying unnecessary furniture, it assists you to reduce the pieces to purchase and save you frustration and stress.


Understand management choices

You need to know the management style of your new apartment before you relocate. You want to understand if the condo is owned by a property management firm, a landlord, or a live-in supervisor. You don’t want to pay rent to the wrong person at the end of the month or sign a lease agreement with a realtor instead of the owner or property manager. Additionally, you want to know who to run to when you need something fixed in the house. Slow drains, clogged toilets, faulty light bulbs, and other electrical or heating issues are common in homes, and you need to understand how the management deals with repair and replacement costs.


Living in your own space as a young adult, and for the first time is one of the most exciting things you will experience. Consequently, you want to make everything perfect, but you need to take your time. Therefore, these things will help you settle in your new apartment.

3 Easy Ways to Improve Your Backyard

As a homeowner, you have so many opportunities to upgrade and customize your home to your liking. When a person rents, they have to ask permission before painting a wall. Unlike a renter, a homeowner can knock down walls, complete renovations and let their creativity run wild. It’s also important to become intentional about finding ways to improve the home in order to increase its value. One area you can focus on is the backyard. Whether you have a large or small backyard, it’s an area that’s easily overlooked for a few reasons. For some people, it’s overlooked because people don’t know what to do with the space. Another reason why it can be overlooked is because it seems too challenging.


Truthfully, it’s not a difficult process. In fact, there are many easy ways you can improve your backyard. However, the key is to bring in the professionals to do the heavy-lifting on certain projects. Take a look at some magazines to gain inspiration. As you become inspired, consider these three fun ideas to make your backyard look new and improved.


1. Landscaping/Backyard Garden

If you have ever been a fan of beautiful gardens, it’s a great idea to start one in your backyard. To take it a step further, you can easily create a stunning look with a landscaping architect. Get a consultation to discuss the features you’d like to see. A stunning water feature that includes a small pond is a nice idea. Depending on the climate you live in, it’d be nice to add some lily pads to the water. If you are someone who likes to do your own gardening, you can set aside a specific area for any flowers, herbs and produce you plant. A walkway throughout the garden is a great way to organize the area. Perhaps there are days when you’ll want to take friends to sit and enjoy the scenery. Place a few benches in various spots of the garden for a nice, inviting touch.


2. Pool

If swimming feels like second nature to you, it’s a no-brainer. You need to install a pool in the backyard. While there are many homeowners who get nervous about the maintenance of a pool, understand that it doesn’t have to be difficult. It’s important to maintain a cleaning schedule. You’ll also want to cover the pool each time it’s not in use. If you are intentional with your cleaning schedule, it’ll feel like second nature. It can be really nice to enjoy a swim before you head to work in the morning. Alternatively, a pool is nice after a hard day at work. It can replace your need to go to the gym since it’s a great form of exercise. Plus, a pool will increase a home’s value. If you ever plan to put the home on the market, you’ll only increase the value of the home with this type of feature. Find a company that provides reasonable swimming pool pricing and build from there.


3. Entertaining Area

Create a backyard space that’s conducive to entertaining guests. If you love to have friends over, hang out in the backyard. Make room for a patio area. Set aside a portion of the area for dining and lounging. Set up an area that’s specifically for barbecuing and the preparation of food. Outdoor games are becoming increasingly popular. Create a special area for outdoor versions of chess and checkers. Oversized games like Jenga work really at parties. If you have a lot of sports enthusiasts as friends, set up a basketball court or a volleyball net. In another area of the backyard, create a lounge area with comfortable hammocks, swings and lounge chairs.


There are so many options to consider when you’re looking to improve your backyard. If you were getting ready to purchase a new home, think about what you’d like to see in a backyard. Use that as your starting point.