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By Jeff Russell Even though the Medical Spa industry is still in its infancy, I am beginning to see some trends says Jeff Russell, the CEO of MedSpa Financing. Weve compiled the following 10 tips for those considering opening a medical spa. Dont try and re-invent the wheel, learn from our experience, here are 10 tips that will help you open a successful and profitable Medical Spa. 1. Have sufficient funds Dont even think about opening a Medical Spa unless you have the capital needed to bring it through the startup and first year of operation. Invariably, your planning will not deal with all of the unforeseen issues that can occur in the MedSpa industry. From regulatory compliance changes and training costs, to increased marketing costs. Under-capitalization is a leading indicator of business failure. You should considering a combination of various financing strategies from leasing to working capital. 2. Talk with other doctors who have successful, operating Medical Spas Ask them what they would do the same, and what they would do differently. We are starting to see some established Medical Spas out there, try and learn from their experiences and best practices. 3. Join associations that help new Medical Spas succeed They are a great source of experienced MedSpa owners, who have already gone through what you will. In addition, they often have members who have specialized in the MedSpa industry, including: business planning, marketing, design, dealing with regulatory issues, insurance and finance. The International Medical Spa Association even has a mentorship program that is available for new MedSpa owners. It is invaluable to chat with someone across the country who has had the same problems you may have, especially if you know they are not a local competitor! 4. Know your strengths and weaknesses No one is strong in all areas, you may be an expert in age management medicine, but you may be weak on the business and marketing side. Thats fine, but you are going to need to identify the areas where you are weak and compensate. Not all areas require a permanent, full-time employee, you may consider hiring a consultant who has the necessary experience. 5. Watch your expenses Especially during the startup phase of a MedSpa, it can be easy to see the glamour of having marble flooring, but is it really necessary? You may be better off adding another hair removal treatment room, which will generate income. Remember the old adage: it will take twice as long and cost twice as much as you anticipated. 6. Determine what need your Medical Spa meets As with any successful business, you need to meet a consumer demand. With 11,500 people joining the over 50 crowd every day, you have a great potential market. But you need to make sure you are where they can be found (i.e. medical centers, shopping centers, established communities). 7. Know your cash flow You may think financial statements are only for accountants to understand, but you need to be able to read some key financial statements. Including the cash flow statement, this lets you know where the money is coming from and where it is going. You must always know your current cash flow situation, if you cannot pay your bills, you are effectively out of business. 8. Do it because you want to do it Starting a MedSpa is going to consume two things: time and money. The profit potential of a MedSpa is huge, but if you are not doing what you really enjoy, it will show on your bottom-line! As you will probably be spending more time and money than you originally planned, you need to make sure operating a Medical Spa is what you really want to do. 9. Dont hire family and friends They may be able to provide you with valuable assistance during the startup phase, but they most likely will not be able to get you to that next level. This is where having an experienced MedSpa director is very important. Not only are they going to hire and train your employees, but they also will be responsible for the day-to-day operations of the MedSpa. Hiring a competent MedSpa Director can allow you to run your MedSpa as a stand alone profit center; one that makes money whether you are there or not. 10. Dont forget about regulatory and insurance issues Since you will be incorporating medical procedures in your MedSpa you need to ensure you have the proper coverage for the procedures you will be performing. While you already have malpractice insurance, it may not cross-over to your MedSpa practice. Many insurers are now requiring offices adding or expanding cosmetic-aesthetic procedures to their practice to document clinical and/or accredited training on all non-ablative modalities before a policy of coverage will be extended. Please consult your insurance provider to ensure you are covered. The underlying theme here is Be Prepared! The key to any business success, including opening a successful medical spa is being properly capitalized from the very beginning. To make things more complicated, you also need to take into account the evolving regulations surrounding the MedSpa industry. I am now seeing successful Medical Spas turning profits after 6 to 9 months, there are many very happy doctors out there says Russell. About Jeff Russell Jeff Russell is the President and CEO of the Oakridge Financial Group, which includes the healthcare financing divisions: Oakridge Healthcare and MedSpa Financing. MedSpa Financing specializes in providing turn-key financing options for doctors wishing to expand their practice with a Medical Spa. Jeff Russell has over 18 years finance and hospitality experience working for world class organizations, including: Fairmont Hotels, Club Med, and the Allianz Group. MedSpa Financing is a member of the International Medical Spa Association. For more information please visit our website: http://www.medspafinancing.com, call 1-800-485-5759, or jeff@medspafinancing.com Article Source: http://EzineArticles.com/?expert=Jeff_Russell http://EzineArticles.com/?10-Tips-to-Medical-Spa-Startup-Success&id=194863 unsecured installment bad credit personal loan san antonio bad credit car loan fast closing investor loan 25000 unsecured loan

By Brooke Brimm There is a bunch of talk among women about finding Mr. Right, and there seems to be a common consensus that finding him is a near impossible task. A Woman who is perceived to have found him is envied and bombarded with questions as to how she landed him. The problem with this Mr. Right theory is that it implies that women are automatically Ms. Rights. Unfortunately, this is not true. We are not all wonderful, innocent, drama-free damsels waiting patiently for our Mr. Right. Its hard to admit, but women are capable of doing just as much lying, cheating, and gaming as men. If you expect to find a man that is from free from game- playing, lying, cheating, and deceiving, be committed to being that kind of person yourself. Make a conscious effort to treat others with respect. Decide to be open and honest with others, decide to share and give of yourself, and decide to live up to the truthfulness and righteousness in which you believe. The closer you move toward becoming Ms. Right the sooner you will attract Mr. Right because people of like mines, words, and deeds are drawn to one another. I remember when I realized that the game playing in my life had to stop. I moved to a new city with the belief that if I got away from the bad influences in my life (i.e. no good men) everything would be great. However, within one month of living in my new city I had attracted the same old drama. I quickly realized that although my environment had changed I had stayed the same, and had created all the same turmoil within a very short period of time. I began the slow and steady progression toward being a better person. Two years later I married a great man, and we have been in a twelve- year marriage that is sincere, respectful, and free of game playing. Not to imply that we have not hurt each other because we have. Its hard to avoid hurting each other in any relationship. However, we come together in respect and honesty to work out our problems, and try really hard to be the best we can be for each other. We own our emotions, and share how we feel with the knowledge that it may get ugly at times, but we can get through it. Stir it up: Observe how you interact with the men in your life. Think about what you might be with holding, hiding, sneaking, lying about, cheating, and the games you may be playing. In your heart, you will recognize right from wrong because God made it so. The next time you feel like what you are about to do is wrong do not give in. Do what is right! Then ask yourself what motivated you to want to do wrong. Why did you feel justified to do the wrong thing? It is not because you are a bad person it probably has more to do with emotions like fear, anger, frustration, envy or disappointment. Remember it is okay to feel these emotions because God made them, but it is not okay to react destructively because of what you feel. Brooke Brimm has a Master’s degree in Professional Counseling and 8 years of experience in the field of Human Science. She has been married since 1993 and has two beautiful daughters. Ms. Brimm authors an ezine, Loves Gumbo, in which she discusses love, relationships, and friendships in today’s society. To join email: lovesgumbo@comcast.net Article Source: http://EzineArticles.com/?expert=Brooke_Brimm http://EzineArticles.com/?Be-Ms.-Right-Before-Looking-for-Mr.-Right&id=212181 understanding paycheck taxes direct payday lenders free examples of agreements between two people for a money loan pogo payday frecell cheats

By Susan Freidmann Considered a vital link in a show’s promotional plan, direct marketing is vital only if it’s done right. It’s certainly not as simple as typing a letter, adding an address and stamp, and popping it in the mail. Direct marketing specialist Debbie Bermont, president of San Diego-based Source Communications, offers her golden rules for creating that vital, highly successful direct marketing campaign. There are some key golden rules to making your direct mailings work effectively. That doesn’t mean that you have to spend more money in order to succeed. Far from it. In fact, you could find yourself spending less — or at least spending more strategically — than you may be doing at present. Here’s how: Mail to Mr. Right There’s a simple but very clear distinction between junk mail and direct mail. Junk mail is mail that isn’t wanted. Direct mail is something that goes to the right person and is wanted. One major key to the success of your direct mailing is to find the right people to mail to. If you are working on a follow-up show, then targeting the people who signed up last year would be a good place to start. If it’s a new show or a new list, your first job is to start with a research phone call to find out who that right person is. Even if you’re using last year’s list, it is still worth a telephone call to check that your information is up to date. Don’t ever rely on anyone passing your mailer on — it just won’t happen. Boost Your Letter Once you’ve found out who to send your letter to, your next step is to make sure that your letter works to its maximum effect. Write it as a one-on-one dialogue. Beware of using industry lingo that your prospect may not understand. Keep your paragraphs short and sweet — no more than seven lines. Break up your letter into clearly defined subheads. And keep it to two pages in length. Make All Your Copy Benefit-Oriented List the benefits so they are easy to understand. And remember that a benefit is a lot different than a feature. Features do not have the clout that benefits do. For example, stating that “10,000 people attended our show last year” is merely a feature. Write it in the context of a benefit: “You can have the opportunity of making 10,000 qualified contacts in three days,” and you’ll start making the impact that you want. Repeat your offer at least three times throughout your letter: in your headline, within the first two paragraphs, and again in your closing paragraph. You can also include it in a “p.s.” Last, but not least, tell your prospects what the next step is and tell them to do it today. Also include details of where to go for more information. Your goal should be for the recipients to immediately respond to your letter in a positive way. Make an Impact Your mail piece must stick out from all the rest. Yours will not be the only piece of direct mail that lands on your prospects’ desks today. The more you can do to catch their attention, peak their curiosity, and urge them to open the packet, the better. One particularly effective way of doing this is to make your packet lumpy. For example, you can include Post-it notes or candy (but never candy that could melt!). Make it even more appealing by relating your insert to your offer or your message. For example, insert a bite-sized Pay Day candy bar along with the message, “Every day’s a Pay Day when you exhibit at the ABC Show!” Another idea is to affix large plastic aspirin capsules to your mailer with the message “Don’t let this be another headache for you!” Or include a card with a telephone ringing along with the note “Give us a call today!” Whatever your insert, make your message clear, make it novel, make it fun, make it useful, and make it one that leaves a warm fuzzy feeling — not confetti. All that does is leave a mess! Too Good to Miss Create an offer that can’t be refused. This may be a limited time offer (the expiration should never be longer than 60 days), or an offer that sets you apart from your competition, such as a better location or a bigger booth size with early sign up. Whatever the offer, the incentive has to be sufficiently appealing to inspire immediate action. Remember that there’s no point in offering an outstanding incentive if no one knows about it. So in your direct mail piece, make this offer clear, easy to understand, easy to respond to, and relevant for your audience. Easy Does It Make it as simple as possible for your prospect to respond to you. The most effective option is a fax-back form with quick and easy response sections. Other possibilities are a toll-free telephone number, a postage-paid reply card, or a Web site. The Web site might not necessarily be your direct response tool, but it is certainly very effective as an additional interactive vehicle for obtaining more information about the show. Follow up by Phone Whatever you send out, make sure you follow it up with a telephone call to close the sale. You’ll see single digit response rates quickly turn into double digits as a result. Whoever makes those phone calls must be professional, courteous, and well-informed of the details of the show and the benefits of exhibiting. Printing Essentials There are plenty of ways to save money, time, and mistakes when it comes to your direct mail bottom line — and all without compromising quality or quantity. Here are a few ideas to consider: Save money with a printer. Pick a printer that will work with you — not necessarily the one that offers the lowest bid. If you don’t, you could end up sacrificing both quality and money. Get at least three estimates from three different reputable printers. Ask to see samples of their printing quality. Remember that you can always negotiate a price (typically between 10 percent and 20 percent off of the price they first quote you). For small print jobs buy your paper at a discount paper warehouse and avoid the printer’s markup. Always supply a very detailed purchase order that includes all the details that could be problems: price quoted, ink colors, paper specs, space requirements, quantity, etc. Make sure that you see a final proof before the job is printed. When possible, supply the printer with a sample of your final art as a guideline. Mailing Tips Not only does a little know-how help with your printing procedures, but in your mailing too. If you want to save dollars, use third-class or bulk rate. You can save more than 70 percent of your postage cost if you can afford the slight time delay that bulk rate demands. Deliverability of bulk rate mail is between three and 10 days, but depending on the city, it can be just as fast as first-class. Make up a sample package in the early stages of your preparation and take it down to your post office to check that it will go through the mail system without any problems. You don’t want to find this out after you have printed 30,000 pieces! Consider using a mail house to handle and sort your volume work. It can save an enormous amount of your time for a relatively low fee. Concerned about the image of mailing bulk rate? You can buy third-class stamps, which make a much better impact than a metered bulk rate mark. What’s the key to your direct mail? It’s the synergistic effect of multiple hits — whether that’s by mail, telephone, e-mail, broadcast fax, or an inexpensive postcard reminder — which will ultimately make the impact and make the sale. About The Author Written by Susan A. Friedmann,CSP, The Tradeshow Coach, Lake Placid, NY, author: Meeting & Event Planning for Dummies, working with companies to improve their meeting and event success through coaching, consulting and training. Go to http://www.thetradeshowcoach.com to sign up for a free copy of ExhibitSmart Tips of the Week. info@thetradeshowcoach.com Article Source: http://EzineArticles.com/?expert=Susan_Freidmann http://EzineArticles.com/?Making-a-Hit-with-Your-Marketing-Campaign&id=32125 money loans overnight easy personal loan no credit check car lot online property loans

By Stu Pearson If you are currently being contacted by a collection agency, the feeling can be awful. With the calls and letters coming in most every day, it probably seems as if there is no end in sight. However, there are some simple and effective measures that you can take to stop the contact for good. In this article, lets take a look at how to deal with a collection agency. The most obvious method for getting rid of a collection agency is to simply pay off the debt. However, the fact that the debt has reached a collection agency is probably a good indication that you are unable to. If you have a trusted friend or family member, maybe you can explain your situation and borrow the money from them. The simple fact is that the sooner the debt gets settled, the sooner the collection agency will stop contacting you. O.K., lets assume that you do not have the finances or the resources available to pay off the debt. Now what? Well, the best advice regardless of your situation is to never ignore the letters or the calls. It may be scary having to actually speak with the collection agency, but ignoring the contact will only make the situation worse. Most of the time, a collection agency will be very interested in hearing your side of the story, and they will be more willing to make arrangements that you will be able to meet. Let them know that you are not avoiding the debt, and that you are committed to paying the debt in time. The collection agency will then work with you to come up with a viable payment plan. Better yet, if you are able to follow through with the plan, it is guaranteed that the calls and letters will stop completely. What happens if you are contacted by an aggressive collection agency that is not willing to make an arrangement? Let me assure you; these agencies are few and far between. The days of browbeating a debtor are nearly extinct. This is due to the FDCPA (Fair Debt Collections Practices Act), a law designed to protect consumers from harassing or abusive collection methods. However, if you still find yourself faced with a collection agency that is unwilling to work with you, take note of the practices they employ. They could very well be in violation of this act. If that turns out to be the case, make sure you document all calls for improprieties, and contact a lawyer who deals in such matters. It should be mentioned that just because a collection agency wont make an arrangement or payment plan, this doesnt necessarily mean that they are in violation of the FDCPA. It only means the possibility exists, because most quality agencies are willing to work with a debtor to get the debt resolved. Now that you know how to deal with a collection agency, you can work towards ending the calls and letters once and for all. Think of how great it will feel to have the situation behind you, and do your best to meet any arrangements made in clearing your debt. Good luck! Stu Pearson has an interest Business & Finance related topics. To access more information on commercial collection agency or on american agency collection, please click on the links. Article Source: http://EzineArticles.com/?expert=Stu_Pearson http://EzineArticles.com/?How-to-Deal-With-a-Collection-Agency&id=223759 what is the amount of taxes taken out of your paycheck in iowa calculating personal loan interest cash advance battle creek mich money lenders london united kingdom

By Stephen Graham The channel catfish,one of the best tasting and sport friendly fish made for the rod angler. I believe that this fish reigns supreme in it’s habitat. A fish made for fishing by kids of all ages. you can have a good time catching and eating this fish. Watch out for it’s fins and have a pair of pliers or skin pullers at the ready and you will be prepared for a great experience. Chicken liver reigns supreme as bait to catch him. There are also many baits ready made by manufacturers to get him on your hook . Since the channel grows to such large proportions,a large hook and tough terminal gear should be used. I have kids and grandchildren who love to fish. Bass need bigger areas of water in which to live and grow large. Sun fish and bream are okay but they do not grow to large sizes. Kids love to catch the smaller fish but are especially delighted to have a change of pace and have a chance to hook into Mr. whiskers. I wanted an area where my children could have fun in a clean environment. I had a stock tank built on my property for a reasonable cost. I started to build a fishing pier by myself.The rains came and the pond began to fill up with water. Any ideas that I had in my head about putting post supports in the ground for the pier were dashed. I obtained 55 gallon non metal drums at a reasonable cost and began to work. I built the floating pier next to the waters’ edge without the use of any electricity. I used drills that worked off of batteries and hammer and nails, I used treated wood and spiral nails that would not rust in the elements. I used my 6 year old as a pilot to test the stability of my project. After several dunks in the water I added structure onto the pier until it was very stable. I added a box structure on the end of the pier to hold one of my deer feeders. I cut a hole in the bottom and bolted the feeder down. Since I was one person and trying to find the most simple and most efficient means for building, I installed ropes on both sides in two locations. The ropes were secured to trees on the shoreline. The ropes could be secured so that they would not interfere with your fishing. This setup also aids levity in the natural rise and fall of water levels. I went on a shopping trip to one of the local fish hatcheries, I came away with several hundred channel catfish in plastic bags, The fingerlings averaged from 4-6 inches long. I had already procured cat fish chow from one of the local feed stores. Dog food will do just as well. I put the pellets into the feeder and set the timer to discharge feed early in the morning and about 1 hour before sunset. Monitoring the quantity of pellets released can give you a good idea of how much the fish are actually eating and how much is waste. I changed the batteries in the feeder occasionally and watched as the fish came up to feed on the floating pellets. Catfish do not eat as much in winter months, so adjust the feed output accordingly. I waited until the fish reached a certain length before fishing was allowed. After 2 1/2 years wait the kids and family were catching catfish that weighed 8 pounds. We had many fish fries where many families were fed. My kids and family looked forward to going fishing at the stock tank and many good times were enjoyed by us all. Outdoor activities like fishing are good ways for kids and adults to spend their leisure time. In this instance we were bringing a lot of food home to the larder. MY son developed an affinity for the outdoors and now my grandchildren are beginning to reap the rewards of my efforts so many years ago. Stephen Graham-Avid outdoors man has spent his life in Texas fishing and hunting. http://www.phmnetwork.com http://huntn-n-fishn.blogspot.com http://goodstuffintexas.blogspot.com Article Source: http://EzineArticles.com/?expert=Stephen_Graham http://EzineArticles.com/?Raising-and-Catching-Catfish&id=232493 paycheck movie reviews hard money lender rates no credit check stores moneytree pay day loans

By Dr. Gulden Akinci Summer can be a great time for exploration and discovery. But without interesting activities it could be pretty boring as well. Here are some suggestions to help summer flow easy for your kids. 1) Cleanup Treasure Hunt… How about having your elementary school age children help you in cleaning up the house, that chaotic garage or the out of control shed? Impossible, you say? Well, here is a suggestion: hide certain toys or objects that they like and then make it a contest of discovering as many gifts as possible. While your children are digging up things to find the “treasure,” you can direct them to put things away and take the trash out or help with similar menial jobs that they would not otherwise be interested in. 2) Take the city bus or commuting train on a sightseeing tour of your city (a ride to the beach would be perfect!) and challenge your children to count the first “100 white trucks” along the way, or “50 buildings with neon signs.” The contest winner gets an additional scoop of ice cream. Most kids never get tired of playing such counting games all day long, especially when their surroundings change constantly and their levels of concentration are challenged with unusual rules. 3) Arrange a visit to a destination that normally neither you nor your kids would go. For example a power plant, a firehouse, a battle ship, a printing press, an auction house, an antique store, a home for the elderly, a pet hospital, or the kitchen of a 5-star hotel. Kids are always enchanted by new experiences and love to learn interesting facts about complicated systems and organizations. ———————————————————————————————— Dr. Gulden Akinci is an author and a tutor with over 20 years of experience in math and science tutoring at high school and college level. Her new 400-page book “Private Tutor (TM) for SAT Math Success 2006″ is the culmination of her years of experience in the field and brings together 1,000 exercises and examples on 50 different Math subject at 3 different difficulty levels. See a preview at http://www.lulu.com/content/263630 Akinci’s innovative and patented “Private Tutor” Method provides a customized, fast, complete, effective and affordable method to increase SAT math scores that has been tested successfully on all levels of high school students. Dr. Akinci can be reached for all your SAT and math questions through her official web site http://www.privatetutor.us Article Source: http://EzineArticles.com/?expert=Dr._Gulden_Akinci http://EzineArticles.com/?Summer-Activities-for-Bored-Kids&id=223978 small business loan for bad credit ways to obtain a credit report fixed rate credit card what is the best credit score