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Minneapolis Collision Repair, Auto Body Repair, Collision Group

We are moving into winter here in Minnesota and over the next six months there will be thousands of car accidents. After a fender bender, it’s just as smart to steer yourself into the hands of the right auto body collision repair center as it is to check out a contractor’s credentials when you need Minneapolis collision repair.

With more than 35,000 auto body repair shops nationwide, choosing a shop can be confusing.

Steve Cox, vice president of the Council of Better Business Bureaus (CBBB), says, “Although an insurance company may make some recommendations, drivers ultimately are responsible for selecting an auto body repair shop. Choosing a trustworthy, quality-oriented shop is very important for ensuring the best possible results.”

The CBBB and the National Auto Body Council (NABC) have teamed up to help consumers better manage the collision repair experience, with tips on choosing a trustworthy shop, saving money on a replacement rental car and knowing how to settle any disputes.

Choose a Trustworthy Minneapolis Collision Repair Shop. Check out the shop’s qualifications by asking about advanced technician training from a national organization such as the Inter-Industry Conference on Auto Collision Repair (I-CAR) or National Institute for Automotive Service Excellence (ASE) certification.

Look for Commitment to Customer Satisfaction. Ask whether the shop is a member of the Better Business Bureau and verify information on the BBB Web site at www.bbb.org to see if the shop maintains a good reputation.

Arrange a Replacement Rental Car. Since the average car is in the repair shop for two weeks, ask if the shop can make recommendations for a rental car company and if it can arrange for a replacement rental car to be ready when you drop off your car. If your auto insurance policy includes replacement rental car coverage, which is usually only a couple dollars a month, you may get a rental car for little or no money.

Get Everything in Writing Up Front. Get a written repair and price estimate of the work to be performed, as well as an explanation of why specific recommendations are necessary to correct the collision damage, before the job begins. Also, ask about a warranty. Professional, reputable repair shops will stand behind their repair work by offering a warranty.

Medicare Advantage Will Get Hit With Health Care Reform

Since even before Medicare was passed in 1965 its been a source of frustration and intense debate from The Hill to Main Street. From concierge doctors to family physicians, politicians and family gatherings, health care reform is still a tough subject to grasp.

While Andy Griffith is currently appearing in television ads explaining Medicare changes to seniors, and the White House is praising its upcoming health care overhaul, the facts of how Medicare will change still remain a bit fuzzy.

1965. A lot of good things came out that year, like Medicare. This year, like always, we’ll have our guaranteed benefits and, with the new health care law, more good things are coming. Free checkups. Lower prescription costs and better ways to protect us and Medicare from fraud. See what else is new. I think you’re gonna like it, says Andy Griffith in his new TV ad. (Time.com) Seems to be pretty simply and explanatory, right? In reality, its a little more complicated.

Time.com states that Medicare Advantage, will in fact be greatly affected by health care reform, causing many seniors who have Medicare Advantage plans to lose fringe benefits that are not required by law. According to the Wall Street Journal, dozens of Medicare Advantage providers plan to cut back vision, dental and prescription benefits. Some plans are eliminating free teeth cleanings and gym memberships, and raising fees for hearing aids, eye glasses and emergency-room visits.

Medicare Advantage plans will take the biggest hit when the health care overhaul starts to take effect next month, mainly because Medicare Advantage plans are privately run plans that offer additional benefits beyond traditional Medicare. Obamas health care overhaul cuts to Medicare Advantage will open up the doors for 30 million Americans who currently dont have health insurance c overage. By taking some funding away from Medicare Advantage, money can be put towards those 30 million uninsured.

Democrats say the payment cuts are fair because Medicare overpays private insurers to run the plans. The government now pays private insurance companies an average of 9% more to operate the plans than it costs the government to run traditional Medicare, according to the Medicare Payment Advisory Commission, an independent congressional agency. That allows insurers to offer richer benefits to enrollees. (Wall Street Journal Online)

As for standard Medicare plans, they will not change, a common misconception among seniors according to Time.com. In a July poll, 50% of seniors believed health care reform would cut benefits that were previously provided to all people on Medicare, and that Medicare patients will have to spend more out of their own pocket. The reality is that while Medicare Advantage will change dramatically, standard Medicare will not, according to Time.com.

The law requires Medicare to pay 100% of preventive care, which includes checkups. The law will also gradually close the Medicare prescription drug gap known as the doughnut hole.

Pharmaceutical Sales A Great Career For Science Degree Graduates

So you graduated with a bachelor of science degree and you dont want to become a doctor, dentist or work in a lab. You also dont intend to pursue a graduate degree in science either as scientific research is not really your calling. So you might be thinking about what type of careers and jobs are open for university or college graduates with science degrees.

I was in that same situation many years ago as I felt that I would prefer wearing a business suit rather than a lab coat for my working career. I wasnt interested in Petri dishes, Bunsen burners, flasks or dissection tools anymore. I wanted to carry a snazzy briefcase and have business luncheons instead.
So I was fortunate enough to stumble into a career field that I would stay in for fourteen very lucrative and rewarding years. This career was in pharmaceutical sales which turned out to be a perfect match of science and business.

There are many perks and benefits when working as a drug rep in the pharmaceutical industry. Salaries and bonuses could amount to six figures for high achievers and there is the use of a company car. Corporate expense accounts are also available for business entertaining. There are also the travel opportunities that are paid for by the company as many sales meetings as well as medical conventions are often located at nice places.
Being a pharmaceutical sales representative also means that there is a lot of freedom and independence with the job as fixed working shifts are no longer the way for a drug rep. Even better is that for 95% of the time, there is no boss to look over your shoulder while on the job.

Being a drug rep also has some intangible rewards I didnt expect when I first started. The field involves working with medical professionals to bring them useful products that will greatly benefit their patients. Drug reps with pharmaceutical sales forces can be considered as part of the overall health care team since they are playing an important role in helping patients.

So if you are a science graduate and want to do something in business rather than in a purely scientific field, consider pharmaceutical sales as a viable career option.

Cisco 640-760 Training Study Guide

Exam
Exam Number/Code : 640-760
Exam Name : Supporting Cisco Service Provider IP NGN Operations (SSPO)
Questions and Answers : 71 Q&As
Update Time: 2011-05-08

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Hair Accessories Comeback As Correct Fashion Accessories

It appears that cheap hair pieces , which have lengthy been shamefully ignored by luxury style accessory designers, have been creating a lengthy overdue (in my opinion) comeback. Now if you are thinking I am referring to the thick padded satin or velvet headbands that you the moment made use of to hide a incredibly ugly hair day or those abominable issues known as ‘scrunchies’, that you created certain you destroyed all evidence that you ever owned any, then you are very incorrect indeed! What is most appealing about the hair accessory ‘comeback’ is that they have created a ‘comeback’ as a accurate style accessory that can take a worthy place next to any designer bag, shoes or jewellery for that matter.

Over the last couple of fashion seasons we have noticed the emergence of hair adornments and hair pieces on runways, not as an added afterthought, but as a respectable portion of the outfits and entirety of the show. Headbands and headpieces are now becoming produced with correct designer flair and workmanship, in types and utilizing materials that would previously have been challenging to picture. Take headbands for instance:

Designs

Headbands are now being intended in all sizes ranging from super slim to additional wide, in all styles ranging from the traditional difficult headband to the soft headband, the headband scarf, the head wrap and so forth.

Sizes

In addition to the change in styles and designs we have noticed a change in the way hair accessories such as headbands are worn. Headbands are now worn as component of the hairstyle, where the headband slips into the hairstyle and characteristics as a portion of the hairstyle you are wearing rather than as a way of pulling hair back off the face or concealing a negative hairstyle. Headbands or head wraps are also becoming worn on best of the hair in a ‘hippy’ style. This search can range from a genuine ‘hippy’ look utilizing leather straps and ties to a extremely glamorous bijoux hippy search working with decorative crystal adorned or metallic wraps.

Hair Styles

What’s also incredibly inspiring about hair accessories such as headbands/head wraps etc is that now, in contrast to previously, women are incorporating hair accessories such as headbands in their hair types no matter what length or style their hair is – headbands can be worn on all hair lengths ranging from brief hair to long hair and added to up-dos as well. Even females sporting severe rock chic brief hairstyles appear wonderful with a contrasting stylish headband.

How To Sustain Small Business Growth

Many small businesses often ignore the minor glitches which cause major problems in their small businesses. There are people or situations which we often get used to and ignore, without realizing that they may be the main cause of a crisis situation. You could be strangling your small business growth without even realizing it.

Organizational growth demands updated strategies every quarter. It does not matter whether you are self-employed, running a home-based business or an employer. Leaders have to implement organizational updates every now and then in order to enhance growth strategies and speed up the entire growth process. Some hire help, while others acquire business cash advance in order to progress and expand.

We have created a list of how you can upgrade your growth strategies and take your small business to the next level. Firstly, you should

Remove the outlived
There might be services being offered and products being produced which may not be of any value to your business. You need to make a list of such services which no longer add value to your small business growth and have outlived the market demand.

Re-organize and strategize companys strategic goals
Reevaluate whether your mission statement matches your goals or not. You will know how much work being done is irrelevant to your small business needs and market demand. Redefine your objectives in pragmatic measureable terms.

Distractions and competitions among your employees is another point which should be considered. Other issues may have distracted them from your small business goals. There may be continuous concerns hampering growth among the employees and creating problems in their professional relationship and everyday work.

Create different ways to leverage employee talents
Work efficiency can only be improved by leveraging employee talent in different areas. Set meetings with them; ask them what they want to do and how they can add value to your companys goals. Help them review their skills in order to sharpen them. There might be unproductive or negative employees, but firing them may not be the solution. Hence, move them to positions and projects where their skills can be utilized effectively.

Check the Budget Lists
In many cases you subscribe, acquire business loans, purchase and hire help which may not be required by the company anymore. And all these might be charging you a lot of cash without you even realizing it. To save your working capital, these budgetary leaks should be evaluated and diminished. Conducting a quarterly review is extremely useful, knowing where your money is going will help you fight the unnecessary charges involved and will help you improve your credit score. Check your taxes and be ready for the upcoming TAX season.

The Popularity Of Wholesale Handbags Why Must You Consider Purchasing Wholesale Fashion Handbags

Wholesale handbags are becoming progressively hot these days, particularly internet with the proliferation of a number of wholesale handbags shops. Of course, internet shops have always been popular, but the passage of handbags from a fashion product you can buy in dress shops to a product you buy anywhere and anytime is a telling symbol of its popularity. This way, handbags are no longer the fashion image that they were long time ago. At past, only the rich and the elite can purchase wholesale handbags. But today, thanks to the Internet and other sources, anyone can purchase wholesale handbags without troubling about the cost, among other elements.

But why are wholesale handbags instantly popular now? Once More, before we consider the fact that wholesale handbags have become more accessible, let us observed at how they are described in the media. Fashion has become part of the mainstream recently, thanks to TV and publishing media. They have targeted premium on fashion the designs, the stylists, the very essence of having and wearing those fashion products.

This is where the popularity of wholesale handbags follows in. Commonly, regular people cannot afford branded handbags or tho the greater extent, wholesale handbags . But this doesn’s presented they wouldn’t want to have these pieces. They still do the emergence of other references of wholesale handbags has answered the hungriness of the people for these items. These alternative sources include the Cyberspace, with the online stores selling these handbags which are replicas of the branded items. Replications may not be as costly as the branded handbag, but they surely have the same look, feel, and purpose.

But why purchase wholesale or in bulk? Why not purchase a couple of products, or just one? Is it really necessary to purchase more than one handbag? Fashion sensed women would say possessing just a single handbag is like owning just a single pair of shoes. Handbags are also viewed as accessories they contribute deepness to any outfit. This is why it is wise to purchase wholesale handbags. Handbags want to mix and match with the dress, and this wouldn’t be viable no matter how smooth or stylish one’s handbag is.

Certainly, these handbags offer bigger savings. After all, anyone who wants to purchase a handbag would never descend for one; she might have to buy another handbag after sometime. Handbags, beyond their purpose as a supplement, also have practical functions. Hence, buying wholesale handbags helps one keep money and time.

Examples Of Science Fair Projects

Examples of Science Fair Projects

Part of the preparation that is completed by the teaching staff in readying a science fair event is presenting the ideas to the students. Some students are very interested in these types of extracurricular events and other students would just as soon remain anonymous in the back row of the class. This aspect of preparation involves a sales pitch of sorts from the teacher. She or he must present the idea to the class while fostering the encouragement for the students to participate. The prizes and recognition will motivate some students and other students will be motivated by the opportunity to explore some topic that interests them. The latter set of students will need little encouragement and former group will likely retain enough interest to at least consider what the teacher is presenting. One way to sell the class on these events is to show them examples of science fair projects.

One of the most effective examples of science fair projects is the stink bomb.
If students were to rank their favorite among the examples of science fair projects, this smelly chemical reaction would be in the number one position. There are two reasons for using this example of science fair projects. The first is to get the attention of the students hiding on the back row and convince the others that this can be a fun and enjoyable process. There is nothing quite like a demonstration to win over a crowd of less than enthusiastic teenagers! The second reason is that if you use this example of a science fair project in class then the students cannot use it in the science fair. This clever reason prevents all the mischievous students from showing up to the science fair with all manner of smelly projects. By using this as examples of science fair projects in class you take it off the table as a possibility for student experiments.

Once the teacher has gotten the attention of the whole class and the neighboring classes down the hall with the stink bomb, she or he should have no trouble signing up the students for this event! Once this is done the students can begin discussing what topics they would like to demonstrate at the now popular school science fair.

Highly Useful Tips For Case Study Dissertation

A case study includes a detailed account of a particular person, group or incident that you wish to highlight. Case study dissertations are based on qualitative research to explore facts and description of that particular topic. The main factor to consider in this dissertation is that you are not interested in universal facts but the factors involved, what are the variables that played a part, the circumstances in which it occurred and what actually happened.

Case study dissertation is extremely helpful in the learning process. It helps you to analyze a particular incident in detail and understand its nature but at the same time you cannot generalize your research findings because the stats that you have obtained are only relevant to a particular incident so if a similar event takes place later on, you cannot label its cause on the same grounds.

How to write case studies dissertation? First of all you need to be very well aware of the different types of case studies and the one that you would like to follow. You need to examine each type and figure out which type suits you best in accordance with the topic that you have selected. The second step is to search for secondary data available. Is there a related case study for dissertation available for your assistance? If yes, then go on and thoroughly read it. Jot down the important points that will help you to proceed with your research. The third step is primary research. This involves collection of data using methods as interviewing, using questionnaires and via observation and etc. After the compilation of all the data, you need to analyze and compare the findings via both primary and secondary reach and come up with a conclusion.

Case study dissertations can be written in different forms. You can write them in narrative form i.e. the way a story is written, or you can write in interrogative form where you pose a question and then elaborate it or simply in a descriptive form where you start with introduction i.e. history or background followed by research findings and then conclusion.

All in all case study dissertation is really helpful for students as it allows them to analyze the actual life problems in detail and apply their logic to solve it with the help of theories learned in the class room.

Reading and Study Skills – The Best Ways to Boost Your Reading and Study Skills

You understand it is very important to enhance your reading and study skills to ensure you will improve grades in school, obtain higher ratings on entrance examinations or breakthrough to a higher level in your task. I have here shown techniques to observe. The secret is to exercise these methods and eventually you will certainly see enhancement.

1. Read the title, headings and subheadings to get a quick concept of exactly what the material has to do with. Check out the first paragraph rapidly then cover it with a blank paper. Outline the paragraph into a sentence in your mind. This procedure will educate your thoughts to focus on what you know. Read the following paragraph adhering to the exact same procedure, outline it into a solitary sentence. Now repeat the very first sentence and include it with the 2nd. Move to the third paragraph and duplicate the process. After reading all paragraphs you will have the ability to outline the entire guide. Constantly observing this procedure will aid in improving reading and study skills.

2. At first this process might take more time to finish the reading nonetheless with time and commitment you will certainly find that you can minimize the required reading time by as much as 50 percent. Your comprehension will certainly improve. Improving your reading and study skills will take some time and initiative by you nonetheless you will certainly obtain much more expertise and a better understanding of what you know.

3. To accumulate important details from instructors’ lectures or business presentations one must listen closely for highlighted words and phrases. Take notes in a way that soon after the lecture you can replay the lecture in your mind and expand on the notes that were composed. This process will create a continual flow and understanding of the product.

4. Acquire a planner or calendar and established a schedule that you can comply with. Set up blocks of time committed to your studies. Observe the timetable that you have made and you will certainly find that in a short time period your reading and study skills will start to boost.

5. Improving your reading and study skills requires a commitment from you. Identify current habits that are stopping you from attaining your targets. Develop a technique to organize your study products so you do not lose time seeking books and paper. Discover a comfortable place, not so comfortable that it makes you tired. Eliminate diversions like the pc, your phone, tv and songs. Have a set block of time to study daily.