Buying Wine Online

With busy days the norm, the option to buy wine online helps to take some of your hassles away!

Buying wine online is hassle free. The shipping is a great convenience, purchasing is easy,
satisfaction is guaranteed and you don’t even have to leave the comfort of your own home.

Online merchants not only have a great selection of wines to choose from, they also provide a
multitude of reviews and customer ratings to help you make informed choices. Without the
overhead of brick and mortar stores they are able to offer great specials and unique products.

here are many sites on the internet that sell wine so before you buy make sure to check for the
following things Shipping – do they ship to your city and does your city allow you to receive wine?

Price – ensure you are getting the best price for your wine. You can do some great comparative

shopping ahead of time at There is of course no way to taste wine on the internet so read the reviews if you are
unsure about a wine. If this information is not provided on the site you are using try The Wine
Spectator for a detailed review of most wines.

Proof of Age – Be prepared to prove your age by fax or email.

Discounts – Most merchants will offer case discounts and they will usually allow you to purchase
a mixed case – these discounts are definitely worth your while so keep your eye out for them. Clubs – Wine clubs provide a great avenue to learn about wine. They give you a chance to
experience wines you may not find otherwise including new varietals, and exotic blends. Wine
clubs provide the ease and convenience of having wine delivered regularly with out any work on
your part.

For some of the more unique wines your best bet is still through the wineries themselves. Many
of them are now offering online ordering through their website so be sure to check out your
favorite vineyards.

Best Deals On New Computer Gadgets

If you’re thinking of getting one of the new gadgets on the market, you will probably accept that you will be spending some money in order to get it. But you don’t necessarily have to be spending every penny you have in order to get hold of the latest technology.

There are many ways which you can use to help you get hold of these new gadgets that can actually save you money, so you shouldn’t have to pay full price for these fantastic pieces of technology.

Store cards

While for most purchases that you make, this will not be a particularly useful card, but every now and again, the stores will give you a discount incentive on your purchases if you sign up for one of their store cards. So if you’re able to get 10 or even 20 per cent off your new gadgets by using these discounts, then it might be valuable to sign up. However, to make sure it is a good thing to do, make sure you go over the charging structures that such store cards will take, whether there is a monthly fee or if interest is charged. If you factor in all the costs, and then compare it with the savings on your new gadgets; if it works out cheaper, then go ahead, as long as you make sure that you close the card once you’ve paid it off, and that you don’t let any balances on the
card earn interest.

Online Voucher Codes And Cashback Sites

Of course, shopping around when you’re looking for your new gadgets is one thing you will certainly be doing. But you should also have a look online to find the best prices, and to see if there are any vouchers you can find which can further discount the price of your new gadgets.

Another type of website you will want to consider using when you’re purchasing your new gadgets are the online cashback sites. The main one among these is Quidco, but there are many actually available. Once you’ve found the site which offers the best price for your new gadgets, check on the cashback sites to see if you can get any further savings on your purchase.

Trade-In Sites

If you are anything like me, you will have a large number of gadgets which you no longer use, but they don’t necessarily have to spend the rest of their lives unused at the back of the cupboard. There are some stores which will offer a trade-in facility for your old gadgets, and will allow you a store voucher which you can use against the cost of your new gadgets. Unfortunately, the prices you receive can vary from store to store, so if you can’t get the discount you want off your new gadgets using this method, then you can also consider selling the old items on an auction site such as eBay.

Conclusion

Whatever the type of new gadgets that you are looking for, it is important that you don’t jump in at the first sight of the technology, and pay the full price immediately. While negotiation might be an option in some independent retailers, for most major stores, you will need to look at alternatives if you really want to get the best deals on new gadgets.

Ten Tips for Comparing Health Care Policies

Australians already know that health coverage can provide security for individuals and families when a medical need arises. Many, however, do not know how to find the best value when comparing health insurance policies.

Below are 10 tips everyone should read before shopping for private health coverage.

1. Choose coverage that concentrates on your specific health needs, or potential health needs.

The first thing you should do before comparing your health plan options is determine which policy features best fit your needs. A 30-year-old accountant, for instance, is going to need very different coverage than a 55year-old pro golfer, or a 75-year-old retired veterinarian. By understanding the health needs that most often correspond to people in your age and activity level group – your life stage – you can save money by purchasing only the coverage you need and avoid unnecessary services that aren’t relevant. For instance, a young family with two small children isn’t going to need coverage for joint replacement or cataract surgery. A 60-year-old school teacher isn’t going to need pregnancy and birth control-related services.

Whether it’s high level comprehensive care you’re after, or the least expensive option to exempt you from the Medical Levy Surcharge while providing basic care coverage, always make sure you’re comparing health insurance policies with only those services that make sense for you and your family.

2. Consider options such as Excess or Co-payment to reduce your premium costs.

When you agree to pay for a specified out-of-pocket amount in the event you are hospitalized, you sign an Excess or Co-payment option that will reduce your health insurance premium.

If you choose the Excess option, you agree to pay a predetermined, specific amount when you go to hospital, no matter how long your stay lasts. With a Co-payment option, you agree to pay a daily sum up to a pre-agreed amount. For example, if Joanne has an Excess of $250 on her medical coverage policy and is admitted to hospital, regardless of how long her stay turns out to be, she will pay $250 of the final bill. If Andrew has signed a $75×4 Co-payment with his provider, he will pay $75 per day for just the first the first four days of his hospitalization.

For younger individuals who are healthy and fit with no reason to expect to land in hospital any time soon, either of these options are great ways to reduce the monthly cost of your medical insurance premiums.
Keep in mind that different private insurers have their own rules when it comes to Excess and Co-payments, including how many payments you will need to make annually on either option. It is important to read the policy thoroughly and ask questions in advance in order to have a clear understanding of what you are paying for, and what you can expect coverage-wise in the event that you are hospitalized. Also, make sure you choose an Excess option greater than $500 if you’re purchasing an individual policy, or $1,000 for family coverage, in order to be exempted from the Medicare Levy Surcharge. 3. Pay your health insurance premium in advance before the cost increases.

Each year insurance providers increase their premiums by approximately five percent sometime around the first of April, a practice approved by the Minister of Health. By instituting these annual increases, your health insurance provider retains the ability to fulfill their obligations to policyholders despite increasing medical costs.

Most private medical policy providers allow policy holders to pay for one year’s premium in advance, which locks them into the previous year’s rate for an additional 12 months – a great way to save money. In order to take advantage of the savings offered, most insurers require payment in full be made within the first quarter of the year, between January and March.

4. Lock in to low cost health insurance at an early age.

The most obvious advantage any Australian can take when it comes to saving money on your insurance premiums is to buy in early to the least expensive rate available. And by early, we mean before age 31. Everyone who is eligible for Medicare will receive at least a 30 percent rebate from the government on the price of their health care premium, no matter what age you are. However, by purchasing hospital coverage before the July first following your 31st birthday, you can be ensured the lowest premium rate available.

After age 31, your health insurance rate is subjected to a two percent penalty rate increase for every year after age 30 that you did not have health insurance. Therefore, if you wait to purchase private health coverage until you’re age 35, you will pay 10 percent more annually than you would have if you had purchased it at age 30.

There are exemptions for some people who were overseas when they turned 30, or for new immigrants, and certain others under special exception status. However, if you purchased private insurance after age 30 and are paying an age loading penalty on your health coverage, you will be relieved of the excess penalty after 10 years of continual coverage.

The earlier in life that you lock in to a private health plan, the more money you will save both immediately and over your lifetime.

5. Choose a health care provider who already works with your health fund.

Determine which hospital you prefer if and when the need for treatment does arise, and seek out those health insurance providers that have an agreement with your hospital of choice before making a decision on your health insurance purchase.

It’s a good idea to also find out if your insurer has a list of “preferred providers,” which would include those physicians and practitioners who also have made arrangements with the health funds regarding their charges for services. Request this information from every provider when comparing health insurance policies. This way you can be sure you’ll receive the full gamut of benefits available at the lowest possible cost. These preferred providers often have “no gap” cover – special rates that reduce or eliminate out-of-pocket expenses to policyholders.

6. Double check your health insurance policy before you schedule any treatment or procedures to make sure you have coverage.

Any time you are headed to a private hospital for treatment, first check to see if the hospital and your health insurance provider have an agreement to be absolutely sure you have adequate coverage. At the same time, check with your insurance provider, physician and the hospital to see if there is a Gap between their fees and the government’s Medicare Benefits. This is extremely important because if your physician charges more than Medicare covers and you do not have a “no Gap” plan set up, you could find yourself responsible for a considerable bill. Simply contact your doctor and your insurance company to double check on these items, and avoid being saddled with an out-of-pocket expense your weren’t expecting.

7. File your expense claims promptly.

When you have a health insurance membership card, you can file a claim against your benefits at the time of treatment with no additional paperwork or filing to worry about, at least in most cases. Sometimes, you may still need to file a claim with your insurance provider. When that happens, make sure to file your claim promptly. The typical cut off for insurers to pay health care claims is two years. You can file your health insurance claim directly with your provider or at your area Medicare office, which has a reciprocal agreement in place with most insurance providers. 8. Whenever you travel overseas, suspend your health coverage.

Anytime you travel overseas for more than a few weeks but less than 24 months, certain medical insurance providers allow policyholders to suspend their memberships for the time they’re out of the country, freeing the policyholders from paying premiums during that time period. While your insurance policy is suspended, your Lifetime Health Cover status remains intact, so you do not have to worry about age loading added when you return home. Contact your health insurance provider to make sure of their policy and rules regarding waiting periods and re-activation.

Remember too that Australia has reciprocal arrangements in certain countries, including New Zealand, Finland, Ireland, Italy, Malta, the Netherlands, Sweden and the U.K. For more information, visit http://www.smartraveller.gov.au.

9. Review your policy benefits annually.

Lifestyles change, individuals get married, have children, age – children grow up and move out on their own, couples separate. A lot can happen in the span of 12 months, which is why the Private Health Insurance Ombudsman recommends that everyone review their policy benefits once every year to make sure your coverage still fits your needs.

Regardless of your life changes, your Lifetime Health Cover status remains protected, and waiting periods for benefits that equal your current coverage are waived in compliance with the Private Health Insurance Act of 2007. This means you will be able to file claims related to features you had before you made any changes without interruption in benefits.

10. Compare policies to get the best price and the coverage you need.

To make sure that you are getting the best possible price on your health insurance premium, you must compare policies from different insurers, Make sure you are comparing policies that reflect the treatment plan and coverage you need, without filler services that you won’t need. The more you know about private health coverage and government sponsored Medicare, the more likely you will find the best value for your money when it comes time to purchasing or renewing your health coverage.

Are You in the Right Business for You?

Do you love going into your business every morning and spending time with your clients?

This may seem a strange question to ask. If you know your life purpose, you will find the answer comes easily. Your business will become your drug initially and maybe continue to be for a very long time. So, we aware of the sacrifices that you may have to make in being a business owner.

I often wonder if solo or micro business people really know if they are in the right business or not. I do believe that if you know your WHY (your purpose) you will know if you are in the right place for you and your growth. Being in business is not something that you can do half-heartedly. It needs to be something that you want so badly that you will do whatever to make it work.

All too often I meet with people and clients who really have not thought about their WHY or the Vision and Mission of their business. To get real clarity you need to firstly know your ‘why’ for your life and only then can you really be aware if the vision is correct for you and your future.

To be in business on your own you need to be an entrepreneur who has a dream to create something extraordinary. You have to be prepared to go to whatever lengths to make sure it happens, understanding that initially there may be no money, long hours and ups and downs. It takes COURAGE to be in your own business, especially in the early days.

Firstly, ask yourself why you are in business? What is your reason? It is because you love what it is or are you there purely to make money?Choosing the correct business is important. We are all different so there is no one size fits all. Ask yourself what type of business attracts you? If you understand who you are and where your innate gifts are you will find it easy to know the type of business that suits you best.

Are you a people person or someone who likes to be behind closed doors? Once you understand this part of your personality and what it is that you love to do, then, and only then, will you know who you need to put around you to support you to grow your vision.

Knowing the industry you wish to be part of is important as well as understanding the target/ customer market that suits your service or product. The demographics are important too, for example gender, age, background, knowledge etc. Having an idea of what you want in the way of size and of staffing or if you want to do it alone needs to be considered too.

Is your business to be a quick get in and get out type of business or a hobby type business? Do you know how much you want to earn? Have you considered an Exit plan for the future also? All important questions initially.

It is also a good idea to find out what your customers/clients want that they are not getting elsewhere. What can you create that will fill the need? How can you solve their problems? What is their greatest criticism of where the marketplace is letting them down or not meeting the demand?

Has your business come from a hobby or personal interest that has heart and mind in it? Or, is it what you have been trained to do and can’t think of anything else that would suit you? Do you love what you are doing now and is it what gets you out of bed in the morning?

Is your business home-based or needing to have it’s own premises as it grows? What are you looking to create size-wise in the future? Are you considering an international, national or city business?

Is your business a service or product orientated business? This will make a difference into outlay too. A service business can be run as a home-based business without costly inventor, theft problems, product spoilage or premises.

The opportunities the internet gives us today to search, profile and gather information that will support one to create a good business is outstanding. There is so much support and knowledge that has no cost to it to work out how and what you want your business to look like. So do your research and be discerning with what you find out and learn. Find people who you can trust to discuss your ideas with who will help support you and your business to move forward.

We often have great ideas with a sound theory when in reality it just won’t or can’t work. It may be lacking skills or certain personality types, so make sure you reduce all the risk possible before you get too deep into your business creation. Make sure that you do your market research and that there are people out there wanting what you are creating! To own and run a business that will be successful takes an enormous effort. You must be willing to work the long hours, invest everything you have financially as well as physically in the dream to bring it to fruition. You need to commit and listen only to the people who you know are able to give good sound advice. Family and friends are often not the right people to do this as they will say what they can to protect you. Not everyone is an entrepreneur. Many people I come across are really the technician and are without the personality or management skills necessary to be successful long-term.

I have found that by self-understanding both personality and thinking wise you will make many less mistakes and be more successful. I then come to the question of what is SUCCESS to you as the business owner? This can vary dependent on what you want from your life, your experience, your contacts and how much you want to earn from your hard work.

Understanding your WHY for being in business in the first place is what will be the maker or breaker of your business in the long-run.

Enjoy the process and ASK for help and support whenever you can.