You must be wondering just how possible is it to publish for no upfront money?First, you’ll create your plan.Magazine Niche
Target Market
Distribution
Ideal Advertisers
Benefits for Advertisers
Frequency of Issues
Number of Copies per Issue
Determine free space (editorial, etc)/paid space (advertisers)
Production CostsThis includes researching your niche. Really focusing on just exactly what it is you want to share with your reader. Next, you’ll research your target market – that is, who exactly IS your audience.At this point, you’ll work out whether you need to mail your publication – or deliver it to appropriate locations where they can easily pick one up. For example I created a tourism publication. Every advertiser received copies as well as various locations throughout the city where tourists (and residents) could easily pick it up. I also distributed several hundred to a number of tourist locations including visitors centers along I-95 within less than 100 miles.After honing in on the above criteria, it’s then much easier to determine your ideal advertisers.There will be the obvious: in my case those who most benefit from tourism such as restaurants, events, lodging, etc. But don’t forget the ones many don’t think about: dry cleaners, laundries, real estate, wineries, etc.You’ll want to be clear as to the benefits of your market to your advertiser. The advertiser will care less about how wonderful your publication is and will care more about who the target market is. Of course, the magazine has to fill a desire for the target market! If no one picks it up, no one will gain – not the reader, the advertiser, or you!At this point, you’ll have an idea as to the frequency of issues and the number of copies you’ll want to print of each issue. This is subject to change as you grow. But you’ll need a starting point. You’ll find a graphics person and/or a design person to help you set-up/lay-out the publication. You’ll also need to know the costs from your printer.If you’re going to mail, you’ll need those costs as well. If you’re going to distribute, you may do it yourself at first or you’ll have to hire someone. Be sure to include those costs.With all of this in hand, you can then back into the pricing of your ads (ad rates).You’ll then take advertising information to your customer base. If you decide that you want 50% editorial (which is free space). Then each ad will have to pay for twice the size. For example: if I sell a full page ad, my rate will actually be based on the cost of creating/printing two pages. Remember, someone has to pay for the editorial pages, etc.Please, please, please, do not forget to include your own salary. It can grow with the magazine’s success. But do not leave yourself out of the equation. If you can’t gain anything out of the effort, it soon eats away at your passion and leads to failure.Making Those Third-Party PaymentsThe graphics/layout person and the printer will most likely accept payment at the time of print. In some cases they will give you two weeks to 30 days. Your task will be to collect enough to pay each of them as soon as possible. The key to success is to NOT – absolutely do not – allow these payments to accumulate. Not paying your third party vendors will quickly sink any possibility of your success.This is your plan in brief! It can be done, I’ve done it three different times. Do your research. Create a plan. Follow it through to your success!Here’s to your successful publishing!
Specialty Outdoor Garden Furniture Manufacturers
There are many furniture manufacturers in the market. Some are small but specialized manufacturers while others can be large furniture manufacturers which take on mass volumes. Some furniture manufacturers prefer to specialize in niche areas like outdoor garden furniture instead of covering the wide spectrum which can be too costly on resources and skills. Besides, the competition is too intense when one tries to compete in all arenas as there are too many players in each category.Specialty furnitureFurniture manufacturers who specialize in outdoor garden furniture are wise as there are many types of furniture pieces that be crafted in this category. The market is enormous where there are homes and buildings with garden space. It does not need a big space to put in a couple of pieces of outdoor furniture to give a different feel to the ambience. A patio or verandah can sport a piece or two of outdoor garden furniture which serves as an aesthetic piece as well as for comfort and convenience.Outdoor lawn furniture manufacturers can recommend new designs to suit the available space. Different materials can be chosen to design and mold high quality outdoor garden furniture.Types of materialThere are a myriad of materials which furniture manufacturers love to use to produce beautiful outdoor lawn furniture that can compliment any outdoor space or garden. Wood is one of the best materials for furniture. There are so many types of wood that specialty manufacturers use for outdoor garden. One of the preferred wood types is natural spruce wood; another is teakwood. Oak and pine are also used for a lot of outdoor lawn furniture.Metal is another type of material that is frequently used by outdoor furniture manufacturers as this is a stainless steel type that will not worry on maintenance and aesthetics. Metal outdoor tends to give an added distinction to the garden and home in general when guests look at the whole garden set up. Metal outdoor lawn furniture is more weather resistant than other types of materials used and longer lasting. The pieces can be coated with a non-corrosive finish to enhance their condition and durability.Another popular outdoor garden material, especially preferred by Asians and those in the tropics, is rattan. Rattan outdoor can be very fashionable while retaining a traditional ambience. These furniture pieces are very light and portable although they may not be foldable. Some are stackable to save on space.
How to Get Cheap Health Insurance?
Cheap health insurance may look like a bargain, but what happens if you have a major medical problem? You don’t want to be caught off-guard if an unexpected major medical problem arises. Cheap health insurance means one thing to one person and something else to another. While the idea of getting cheap health insurance is very appealing, no one wants to deal with the repercussions of bad or inadequate health insurance. Cheap health insurance has become the issue of the moment in South Carolina and across the country. More small businesses are increasingly unable to provide cheap health insurance plans to their employees because of the rising cost and the lack of federal and state legislation that would allow small businesses to purchase cheap medical insurance in pools.Cheap health insurance is your access to the best options in the market. This is because you no longer have to spend so much time searching for the product that will suit your health care needs. Cheap health insurance rates work so much better when you know what you are supposed to be looking for. Get some tips on what you should look for when dealing with a health insurance plan. Cheap health insurance quotes can help you to find the best and the most inexpensive coverage that is available. You will be covered, and relieved to know that if anything happened to you, you will not have that major financial stress of paying full price for your injuries or illnesses.Medicare supplemental insurance offers senior coverage for health care costs that are not covered by a traditional Medicare plan. By having Medicare supplemental insurance, seniors can rely on consistent, constant and comprehensive coverage when they need it. Medicare supplemental insurance is designed for people on Medicare, who wish to have more comprehensive coverage. These supplemental plans may include Managed Care HMO plans or Medigap PPO plans that provide you with greater access to participating physicians. Medicare and Medicaid are both excellent programs for those individuals who qualify, but they are no substitute for a system which allows us all to access basic private medical insurance cover at a cost which we can afford.Medical Insurance also known as health insurance is a protection to individuals and their families against unforeseen expenses. In the process, there are two parties namely the insurer and the insured. Medicaid is for people who come under the low income’s bracket. Every person is eligible for it and having a job does not affect one’s eligibility. Medical terms can be confusing, and before speaking with an insurance agent, you should make sure you understated his or her language. Make sure you read our overview of health insurance companies to get a better idea of each provider’s identity.Individual companies are free to evaluate the risks to insure you in whatever manner they see fit. Each health insurance company employs people (actuaries) that try to calculate the statistical risks involved in insuring you, and not surprisingly, has a slightly different view of the statistics. Individual health insurance works differently. It generally can’t be terminated just because you use it, but you can be turned down in the first place if you do not pass health underwriting; you can be rated up if you have a history of illness or obesity; and your premiums can be and often are increased if you suddenly have a major illness. Individual health insurance covers different types of injuries as well. An active lifestyle increases the risk of accidental injuries and repairing broken bones can become very expensive.Individual health insurance is State specific. Each state has slightly different laws and regulations governing the implementation of private individual health insurance.Hospitalization, medicines, doctor fees can be very high and if the patient cannot get a suitable insurance cover, it is very difficult. Health insurance can be a tough battle for cancer patients. Hospitals have an extraordinary ability to save life and without health insurance you could be medically saved but financially ruined. Hospital cash plans are a form of medical insurance that takes care of everyday medical costs. Many will pay for dental or optical treatment up to a set limit every year; physiotherapy; specialist consultations etc.Comparison of your options: To be able to find an affordable health insurance you must have an idea of all. What is available in the market? After you have shopped enough get hold of a broker who can help you in comparing the policies. Comparing health insurance is a case of finding the right health insurance provider to cover your particular circumstances as well as comparing the types of policy provided by each health insurer.Comparing Medical Insurance isn’t just a case of finding a handful of brand names and trusting they have everything covered in their policies. The cover varies wildly, as will your medical insurance quotes. Compare several plans from top rated medical insurance companies and apply online.COBRA, short of Consolidated Omnibus Budget Reconciliation Act, came into being in 1985, and it is also a low cost health insurance option for short-term coverage up to 18 months. It’s great for transition periods such as school age children, widowed spouses, divorced couples, and other situations where you may have been covered by employee programs previously. COBRA has an 18 month limit, or 36 months if you’re permanently disabled. Most people are under the impression that COBRA is expensive, or that it’s better to stay with a plan they know.Again, depending on where you live, requirements may be stringent. However, it wouldn’t hurt to see if you or your family qualifies. Ask around to find out about the different agents and their policies. Many agents will work very hard to get you an affordable health insurance plan for your family at a cost you can live with. Ask if the agent will be available for phone calls and if he or she will make phone calls on your behalf if you have questions in the future. Ask your agent to be sure.Ask for a quote from several sources, and see what kind of a deal, they can get for you. Make sure they are also licensed in your state, because it does no good getting insurance if they can’t operate in your state. Ask about policy rates, terms, services, co-pays, and claim procedures. If the representative has a difficult time answering your questions, or you just don’t think the company is legit, consider visiting your state’s Department of Insurance website to read through reviews and financial information of the company.Thank you for taking your time to read this article. Your comments on this article will be highly appreciated. To access Hundred of Gurmit’s articles, please visit websites.Information shared here does not constitute financial, legal, or other professional advice, and no advisor-client or confidential relationship is or should be formed by use of the site. This article is intended to provide general information only and does not give advice, which relates to your specific individual circumstances. Information in this document is subject to change without notice. Any link-listing or ad-listing on this site does not constitute any type of endorsement.Gurmit loves traveling; he has been over 70 countries. He speaks fluent Cantonese, Polish, Hindi, Punjabi and English. Gurmit is an author, writer, insurance and mortgage expert. He frequently writes on various topics of interest to his readers. Gurmit Singh is a licensed mortgage expert with Dominion Lending Centres Mortgage Villa.
Automotive Insurance for Students – Ways To Save
Automotive insurance for students comes as part of growing up and gaining new freedoms. One of these freedoms is getting your driver’s license or if the parents have extra cash they can give you a second hand car or a brand new one.But owning a car is not as easy as it looks for you also need to shoulder the responsibility that comes with having one. One of these responsibilities aside from maintaining it is to make sure that your car is properly insured. Almost every state in the country is requiring car owners to have their car insured.Yet, there are still those people who doesn’t follow this requirements and end up regretting later when they get caught in an accident especially accident that is their fault for they will be the only one who’ll shoulder the expensive expenses. Here are some tips and advices when you want to get automotive insurance for student or your teens.Young, new and student who want to get their car insured are all in the high risk category which means that their rate is higher than those that are not considered as high risk. They are put in that category because of the study or the statistic that shows most new drivers, young and student are usually caught in car accidents due to their inexperience and their aggressiveness on the road. It does not apply to all but majority of the young populace mostly age 18 to 25.Getting auto insurance for your student driver can be very expensive and difficult, difficult in a way that it’s hard to find affordable auto insurance for them. But if you are determine and patient enough to look then you might one that will satisfy your budget.Now you can both look for auto insurance in your local state or online, finding affordable insurance can also be found on the web provided that you are able to find a reliable website and by being aware of online scam.If you want to save money or lower your auto insurance rate for your student then you need to do your part which is to not be afraid of asking questions. Ask your agent if there are discounts that the company are offering or discounts in which your student daughter or son can avail.Also asking questions from your friends and relatives can also help you in finding a good automotive insurance for students.