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Online Poker Tournaments

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What’s more thrilling than playing poker online with players worldwide? Playing against them in poker tournaments! All of the players who enter CasinoUnreal.com’s online Poker tournament begin with an equal amount of chips and play until one player wins everything. After regular time periods, the blinds and antes are raised, making the pots larger and the play more intense. The advantage of a poker tournament for players, especially beginners, is they get to learn the game, and skills, of poker without losing large amounts of money. The best part is if you do well in the tournament you can win big.

There are three main types of tournaments; Single-Table, Multi-Table and Freerolls.

Single-Table Tournaments are usually comprised of one table and are not scheduled. A sit & go poker tournament will start as soon as all the seats are filled and the prizepool is fixed. Some sit & go tournaments are available 24-7 and some (like the special satellite tournaments) are only available at certain times of day.

Multi-Table Tournaments are scheduled in advance of the tournament start time and players must register in order to participate. As the tournament progresses and players are eliminated, the tables are consolidated until one “final table” in reached. Play will continue until someone wins.

Freeroll Tournaments are exactly like a Multi-Table Tournament except there is no buy-in fee to enter. In other words, players can enter for free and win money! Some freeroll tournaments have requirements (such as player points) and others have none.

CasinoUnreal.com offers all three types of Poker Tournaments. To play poker online or to compete in a poker tournament, go to http://www.CasinoUnreal.com

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Comparing Health Insurance Plans Before Choosing Health Insurance

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Comparing health insurance plans is a very important aspect of the due diligence which should be undertaken prior to choosing health insurance. In comparing plans close attention should be paid to the differences and the similarities between the plans, and priorities should be established as to which variables are most important in the decision-making process. The most common considerations are costs benefits, and healthcare flexibility.

Comparing health insurance plans can be best achieved via a health insurance exchange, whether it is one of the government exchanges, also known as marketplaces, or a private exchange. With a few clicks of a mouse and strokes of a keyboard most of the information for comparing plans before choosing health insurance can be obtained with a minimum expenditure of time. The process is not only fast and efficient, but is also educational. With the correct entry of your zip code, age, smoking status, desired plan type and desired plan features it is possible to obtain instant information including the monthly premium, deductible, copayment, if applicable, and other details of any plan(s) with a side-by-side comparison of multiple plans.

The monthly premium is only one aspect of the cost of coverage. Depending on the plan chosen, additional costs include copayments, deductibles and coinsurance which can all be compared between various plans. In addition to these individual out-of-pocket expenses, the private health-insurance-exchange platform will also allow you to compare the maximum annual out-of-pocket expenses between different plans and will indicate whether or not the annual deductible is applied toward meeting those maximum expenses.

Benefits that can be compared include lifetime benefits stated as a dollar amount or unlimited, out of network coverage, out of country coverage, cost savings for a major, midsize or minor event compared to not having insurance coverage, preventive care coverage, emergency and urgent care, prescription drug coverage, inpatient coverage, outpatient coverage, pediatric services, maternity coverage, mental health coverage, substance abuse treatment, and additional coverage for things such as chiropractic treatment, skilled care and nursing home services, home healthcare, durable medical equipment, dental services, vision services and hospice services.

Healthcare flexibility details which can be compared between plans via the private exchange platform or the government marketplace include the plan type (PPO versus HMO), if a primary care physician (gatekeeper) must be selected, whether or not specialist referrals are required, and whether or not authorization is required for accessing out of network benefits. Additionally, plans can be compared on the basis of their A.M. best rating.

Choosing plans to compare prior to the actual comparison process, can also be efficiently accomplished with the health-insurance exchange platform by sorting plans based on insurance company, monthly premium, plan type, deductible, metal level, coinsurance, health savings account eligibility, and the additional benefits of prescription drug coverage or dental coverage.

If obtaining healthcare from a particular physician(s), at a particular hospital(s), or at a particular outpatient center(s) is extremely important, the exchange platform will enable you to determine whether or not a physician(s), hospital(s), or outpatient center(s) is a preferred provider, prior to choosing healthcare insurance, if the plan under consideration is an HMO or PPO network plan.

Choosing health insurance plans to compare and making the actual comparisons, not only helps you to determine the differences and similarities between various products, but is an educational process which most likely will expand your knowledge of medical insurance in general. Additionally, this choose, compare, then choose approach increases your likelihood of choosing health insurance that is most suitable for your needs and goals.

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Web Strategies For Small Business Owners In 2007

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The year 2007 is round the corner and companies are getting ready to implement new strategies for their businesses. If your website is not working to support your business in terms of its sales, lead generation, brand building efforts etc, it’s still not too late to create a strategy that supports and facilitates your short, medium and long-term business objectives.

1. Redefine your web strategy

A web-strategy should be simple and focused. For example, if you are a small service based organization, your website should be able to generate leads, provide online tools, and promote you as an expert in your industry. If you are a retailer, you should be able to sell your products online or at least make a deep and active connection with your regular customers.

2. Stand out as an Expert

In spite of limited budgets you can still make your company / brand the most admirable one. Standing out as a customer-centric company requires you to provide your customers with content / information which will help them with their problems related to your product. Such content and information will go a long way in building loyalty towards your company. Good, relevant, and focused content is information in the form of articles, whitepapers, research reports and web-based tools, which is built closely around the information-requirements of your customers.

Here is an example to further clarify the concept; Let’s assume that you are an insurance agent, what would be expert content for your website? Content educating your customers and potential customers about how insurance policies work, tools and self assessment calculators, an expert blog etc. It’s important to understand that once you start providing such content regularly, you will see a large number of people coming back to your site, and also referring your company to others.

3. Open up communications

Customer Centric companies are good listeners. The web being a very interactive medium makes it easier for you and the customers to communicate. You should provide your customers the tools to communicate with you by giving contact forms, feedback forms, forums (moderated) etc. Also you can start a corporate blog, an e-newsletter, or a moderated forum to create a two-way communication with your customer base.

4. Apply the power of Search Engine Optimization

If you are still not doing it, you are missing out big time! Search engine optimization, popularly known as SEO, is about optimizing your website in a way so that it appears in the top search results when people make search queries in popular search engines like Google, Yahoo and MSN etc. Anyone can learn search engine optimization but if the lack of time and interest are what’s holding you back, hire a consultant or a SEO company with a successful track record.

5. Earn Revenues from Your Website

You would be pleasantly surprised to know that everyone with a website can earn revenues from it. You can become a contextual publisher (AdSense, YPN etc), become an affiliate, or simply set up your own store and sell online. With e-commerce revenues totaling up to billions of dollars; why not take a small meaningful share of the chunk? If you have a service or product you can sell online, don’t stay back.

6. Design and Visual Appeal – It Counts!

Your website needs to look visually appealing and there are no two opinions on that universally. Visually appealing however can be a matter of personal tastes, however following are some industry standard best practices.

o Avoid Splash pages. Splash pages are actually a hindrance and increase the number of clicks and time to reach your homepage.

o With a large number of internet population now switching to Mozilla browsers (FireFox), make sure your website is cross-browser compatible.

o With the various screen resolutions available, (600 x 800, 1024 x 768 etc) always check if your website looks acceptable in all popular screen resolutions. Also check how your website appears in hand held devices such as mobile phones, PDA’s etc.

o Use flash and other rich media sparingly as users with low speed internet connections may have difficulty viewing them.

o Meticulously focus on the design consistency. The colors, layout, and buttons, should be consistent across the site.

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Six Things You Didn’t Know Your Freight Forwarder Could Do

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Get your freight forwarder in on the ground floor of your importing operations and you may be surprised at how much time and money you save, not to mention the number of headaches you can avoid.

Here are six things that we bet you didn’t know your international logistics provider could do for you:

1. Monitor Vendor Performance: Technology allows you to keep accurate, accessible tabs on your vendors and business partners. Using a dashboard application that tracks all imports and exports, orders, shipping times and other critical metrics, cutting-edge logistics providers like Transmodal Corporation provide next-generation visibility that puts all your shipment data in one place in a user-friendly interface. With this information, you’ll be able to benchmark vendor performance and make the best possible procurement decisions.

2. Import and Export Compliance: Over the last decade, literally every corner of the transportation industry has been impacted by increased regulation and oversight. Your freight forwarder works in the trenches day-in and day-out, and is well equipped to help you navigate the new laws, and ensure that your company and its shipments comply with all of the rules. Importers and exporters alike can tap into this valuable resource, and avoid the hefty penalties and fines associated with non-compliance. Export civil and criminal penalties are currently capped at $1 million (there are no caps on import penalties), but will increase to a maximum of $10 million (or 10 times the value of the export) when the new Export Administration Act is passed. Exporters like Silicon Graphics, Inc. (hit with $1.18 million in fines for illegally exporting high performance computers to a Russian nuclear laboratory) and Kaiser Aluminum & Chemical Corporation (smacked with a $210,00 civil penalty for a similar violation), learned the hard way. Keep your company’s nose clean by working with your freight forwarder to stay on the right side of the law.

3. Provide “Pay As You Go” Insurance: Maybe you don’t need an annualized insurance policy that covers the 20 percent of your business that ships globally, or maybe you only import goods during certain times of the year. Whatever the challenge, your international logistics provider can help by providing marine or air cargo insurance on a pay as you go basis. This can help fill the gaps left by another policy, or by your self-insurance strategy, and give you peace of mind with little extra effort. Your international logistics provider will also tell you what your policy does, and doesn’t, cover. Let’s say you just purchased $500,000 in consumer electronics with the intention of selling the goods for $2 million. Unfortunately, the computers were damaged during shipping and are unsalable, leaving your company out $1 million in lost profits (if your policy covered replacement costs). If you are insured for product replacement and associated fees, you will get $500,000, plus a $75,000 refund on duties paid and $50,000 for freight and warehousing expenses. That leaves you with $625,000, compared to $1.5 million if you had been able to sell the computers. Avoid this problem by knowing in advance what your insurance policy does and doesn’t cover, and by filling the gaps with a pay as you go policy from your international logistics provider.

4. Assist With Duty Refunds: When your shipment arrives in the U.S. soaking wet and damaged beyond repair, you not only lose the original product costs, sales value, export duties and freight fees, but you also lose the import duties that you paid out to get it into the country. Your freight forwarder can help with the latter by filing for a duty refund and helping you recover your costs. You’ll have to prove that the shipment is unsalvageable, and that you won’t be able to use it as intended, in order to get your money back. If your merchandise gets exported, companies like Transmodal Corporation can help you file for a duty drawback, which is the refund of customs duties and fees paid on imported merchandise that is either re-exported from the U.S. or destroyed by customs. Statistics show that several billion dollars of drawback claims go uncollected each year, even though claimants are entitled to a refund of 99 percent of the applicable duties, fees or taxes paid. Don’t leave this money on the table.

5. Tariff Engineering and Duty Minimization: Involve your customs broker in your shipping activities early and you’ll be able to tap its vast material classifications knowledge bank. These classifications dictate the amount of duties charged on shipments, and are often left hanging until after the shipment arrives in the U.S. By empowering your customs broker to assist with this aspect of your importing operations (by providing suggestions on the raw materials used in the products, for example) you may be able to significantly reduce your duties and increase your company’s bottom line. Your broker may be able to advise in other creative (and legal) ways of minimizing duty payments, such as the use of Free Trade Agreements, reporting of US Content, or the use of Foreign Trade Zones.

6. Ensure Social Responsibility Among Business Partners: Keeping tabs on issues like child labor, forced labor, health and safety, and discrimination isn’t easy from thousands of miles away. Many companies send their own teams to validate their overseas factories, and to make sure those companies are upholding the exporter’s own code of conduct. Handling this process internally is expensive and time consuming. Your international logistics provider can help by validating transparency, consistency and integrity across your operations and ensuring that none of your partners are violating your firm’s own commitment to social responsibility.

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Business Protection With General Liability Insurance

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Starting or investing in a business is a big step – both emotionally and financially, which is why most business owners chose to protect their future with general liability insurance. One of the most costly mistakes made in business is not investing in general liability insurance, which can be purchased along with property insurance to insure all business insurance needs are met both at the location of your business, as well as at other addresses where business is conducted.

General liability insurance typically addresses and covers any claims involving property or bodily damage, along with personal injury (such as slander and libel), as well as advertising injury. Without GL insurance coverage to protect profits, business owners run the risk of financial loss, whether from payout due to legitimate or fraudulent claims. With the range of options offered in GL insurance policies, including defense and medical costs, as well as premises and tenant’s liability, there are many customization options for every individual business.

However, with as many benefits that GL insurance allows for, there are certain circumstances when liability is not covered. Such is the case with some professional liability situations, which exist when business owners or their employees make professional recommendations during the course of doing business. In this case, a business owner may want to add a professional liability policy to an existing general liability policy.

As a rule, general and property liability insurance is one of the most basic types of insurance a business should invest in, as it will provide peace of mind with a variety of claims up to a specific amount, including theft or destruction of property. In this ever-changing economy, at least knowing your coverage is there for you can be the calm in the storm that every business owner needs.

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The Hike To Hidden Pond Songbird Trail

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Hidden Pond Songbird Tail is one of the short hikes that was established by the Corps of Engineers. It takes less than a mile to trek this short trail with little elevation. The site is situated in the Reregulation Dam Recreation Area right on the west section of Carters Lake. Carters Lake is also a known recreation spot for individuals who want to take a break from some frequented areas on this trail. Along the way you will pass Georgia Road’s remnant that was built back in 1804 during the Treaty of Telico. After Andre Jackson and his battalion did some work on this road in 1819, this had then been called the old Federal Highway.

The Cherokee and farmers in the past have also used some trees along this trail as path markers. On the Trail of Tears, the Cherokee left this area and by 1977 a dam was created which then created a reregulation form near the Coosawattee River and Carters Lake. The trail moves along hugging the dam for at the reregulation pool.

From the south parking lot pace towards the marked trailhead found at the entrance of Carters Lake Dam. Just beyond this marker the trail splits into two paths. Take the right trail across the bridge as the treadway ascends to a moderately steep hill. From here the path returns to the original trail and then you will cross a longer bridge that takes you a closer view of the marsh. Along this path you will see several bird species including an osprey, wild turkey, and a hawk. Other wildlife such as raccoon, turtles, opossum, and white-tailed deer can be spotted here. Move past this and then turn right at the end of the bridge as the footpath swerves back to the original trail.

The end of the saddleback that formed Carters Lake can be seen at your left. Continue along this path reaching the beaver pond which was built by the Corps of Engineers with multiple viewing blinds for bird watching. This lake is home to many species of bird that inhabited the area for several centuries. There are great spots in this South Regulation Dam Park that is best for fishing and picnics. However, if you opt for a longer trek, there are other trails nearby such as the Big Acorn Nature Trail and the Rock Nature Trail which are both accessible at the Carters Lake Visitor Center.

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How to Get Back on Your Feet After Debt Settlement

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Getting back on your feet after any financial setback can seem like a daunting task, but I assure you that you can do this. The most important thing to remember is where you just came from and what it took for you to win financial freedom from your debts! Never forget the past and learning from it are powerful tools and great motivation to carry forward. Getting back on your feet financially requires all your focus and constant monitoring and review. Here’s how to get back on your feet after debt settlement:

1. Consult with your tax professional. You should have done this before you negotiated the settlement of your debts and that IRS Form 1099 should come as no surprise. Be sure you have done your income tax planning so you don’t wind up owing the IRS!

2. Build an Emergency Fund: I’m a huge fan of the Dave Ramsey program, for the most part. One of my favorite tools that Dave always advises that we start with what he calls a “murphy account.” Murphy’s law says that anything that can go wrong will. So, a murphy account is a savings account that you immediately set up with a minimum amount of $1,000.00 and continue to build this savings. Then, when Murphy comes calling and you get a flat tire, need car repairs, a new fridge, or dental work; you can use this emergency fund for these events. If you use this account, then you must work hard to replace those funds for the next time.

Gone are the days of having a credit card for emergencies and didn’t you just learn how hard it is to get out of debt? So, why go back? Make a promise to yourself that you’ll never go back. You don’t have to anyway with an emergency fund [aka a Murphy Account].

3. Live and Die by the Budget! There is no magic bullet, no pill you can take and no ‘get rich quick’ scheme that will magically transport you to your financial goals. The only way to ever get ahead financially is the spend less than what you make, period. A budget is a requirement and there is no way around this. Make it fun by doing what Dave Ramsey calls ‘prespending’ your money before you even get it. Review your budget every month to see where your money is going. Over time, you’ll begin to see patterns in your spending and look at each bill and ask how you might reduce it.

Examples include unplugging appliances to reduce your electric bill; cut out those extra television channels; ask your insurance agent whether you need that additional insurance; learn to do a mini version of your own ‘extreme coupon’ game to save at the grocery store.

4. Plan for your Future. No one can do this for you and I certainly don’t expect to live well on Social Security alone, if at all. Many financial experts provide complimentary consultations and you’ll need to at least take advantage of asking questions that will help you set your goals. You may be working hard to pay off a mortgage, send kids to college, build up a retirement account, etc.

Having the right insurance policies and the right amount of insurance coverage is also important to protect everything from your health to all of your assets. Speaking of assets, have you also considered that dreaded estate planning conversation? Stop avoiding your financial responsibility and set out your plan in writing.

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