Friday, December 30, 2011

Submitting Your Site To Google

!±8± Submitting Your Site To Google

A lot of people feel that submitting a website to Google is a specialized task that requires the hands and tools of an expert. If you are one of the above mentioned people, the firstly let me explain that you are misinformed. If you have acquired this information from a business or a company on the internet, then maybe it has something to sell to you. Maybe, something on the lines of a link submission service or an SEO package. Submitting your website to Google is as easy as uploading a file to an online server. (You will know what I mean if you have ever used an online file hosting service like Rapid Share). Another huge percentage of webmasters are confused about the right time to submit a website to Google. 90% wait till the website is developed and up and running before submitting it to Google and this delays the indexing of the website by almost 5 to 6 months. The remaining 10% are the companies we see on top in the search results pages. How can this be possible? Read on to find more.

Google Submission FAQs

I have created a set of FAQs related to website submission. Though the focus is on Google, which according to me is the biggest and the best search engine out there, I have also mentioned some other websites which are equally good and worth a glance.

Q. When do you submit a website to Google?

R. The right time to submit a website to Google is the minute you register a domain. This should be done irrespective of the content, the hosting, the future business plan etc. "Hey, I haven't even bought a hosting plan yet". So what? Do not wait. The reason behind this is that a website always takes time to get indexed in Google. In ordinary circumstances, you can expect it to get indexed in about 10 to 12 weeks time (The time may differ). Add another 6 months for your website to start getting ranked based on the kind of SEO strategy you have chosen. Now that's almost 9 months we are talking about. If you submit your domain to Google, the minute you register it, then you can utilize these 9 months to get the business plan in order, execute it, create a well designed website, write the content for it and start online marketing and search engine optimization. Besides all these factors, you have the Google Sandbox to counter.

Q. What is the Google Sandbox?

R. A few years ago, some webmasters noticed that their websites were not getting ranked in Google despite them using the best SEO strategies. Almost everything about the website and the SEO strategy was right. But the website would not get indexed in Google. After much research and speculation, they came to the conclusion that Google had made some modifications to their search algorithms and introduced a set of filters called Google Filters. The Google Sandbox is one of these filters. Each Google filter has a distinct function. The function of the sandbox is to withhold the indexing and the ranking of a new website until Google determines its credibility. So every new website that is submitted to Google gets sandboxed for a certain period of time.

Q. How do I submit my website to Google? Should I hire paid services?

R. Do not spend money out of your pocket for things that you can do on your own. All that you have to do is visit the Google add website URL. Look up on Google and you should find it easily.

You will then be asked to describe your website or domain name in a few words. Think of a few words that best describes your future business plan, fill in the CAPTCHA (image verification) and click on submit.

Q. Will this guarantee that my website will be indexed and I will get high rankings in search engines?

R. Unfortunately, the answer is no. This is only an inclusion into the Google directory. It means that the Google spiders or robots which scan new websites every now and then will scan your website on their next outing on the World Wide Web. Everything from there on, including your position in search results pages depends on the website design, the kind of content on the website, the quality of back links and your online marketing strategies.

Q. Do I have to submit to other search engines? If so, which are they?

R. Google itself is such a gargantuan search engine that almost 65% of web users use it to find what they want. Also it is firmly believed that once Google indexes your site, the rest will follow automatically. It's follow the leader. About 25% use 10 other search engines. This means that these 11 search engines cover almost 90% of traffic on the web. Now that's a lot of traffic. I am sure it will suffice for your business needs. Here is a list of the remaining 10 search engines.

Yahoo MSN Alta Vista Netscape Fast / All the Web Ask Jeeves / Teoma Hotbot Lycos AOL Look Smart
Now, let me also add that some of these search engines overlap in their submissions. For example, submission to Alta vista is covered by Yahoo submissions and submission to Netscape is covered by Google and so on. Also a few search engines offer separate free as well as paid submission services.

I hope I have helped you to clear off a lot of doubts regarding submission to search engines. Maybe I helped you save a dollar or two. If you want to learn more about SEO, Google and related subjects, then browse through my other articles on SEO.


Submitting Your Site To Google

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Monday, December 26, 2011

Group Insurance Benefits - Section 125 Plans

!±8± Group Insurance Benefits - Section 125 Plans

What are Section 125 Plans?

One type of group insurance benefits that may be offered by an employer are Section 125 Plans. These Section 125 Plans are also known as cafeteria plans, flexible benefit plans or mini-flex plans. The Internal Revenue Code Section 125 outlining these plans first appeared in the tax code in 1978, but didn't gain popularity until tax laws changed in 1986 and gave employees greater tax advantages.

The purpose of the code was to allow employers to have a separate written plan for their employees that provided them with an opportunity to receive certain fringe benefits on a pretax basis. All plans are strictly regulated by the IRS and must meet specific requirements and regulations that can and do change. The written plan must specifically describe all benefits and establish rules for eligibility and elections. Because of the stringent guidelines, many employers offering these plans have them administrated by an outside source.

How do Flexible Benefit Plans Work?

Each payroll through a deduction from their paycheck, the participant contributes money to a Spending Account. This money is not taxed. The participant is then reimbursed from this account by their employer (or outside Administrator) for those health care expenses not covered under a health insurance policy or by a health care provider.

The participant's expenses are reimbursed in full up to the maximum amount of their annual election at the time the claim is submitted. The expenses must be incurred during the plan year while they are covered by the plan. Any funds left in the Spending Account at the end of the plan year will be lost.

These plans run for a year at a time. At the beginning of the plan year, the participant chooses how much they are going to contribute - called the annual election. A participant can have two Spending Accounts; one for themselves (called the Health Care Account) and one for their dependents (called the Dependent Care Account). The Health Care Account and the Dependent Care Account are treated separately and so funds from one account cannot be transferred to the other account.

In deciding what the annual election should be, a participant should look at their health insurance deductibles and copayments, as well as uninsured medical, dental, vision care and hearing care expenses. The uninsured expenses covered must be "medically necessary" as determined by a doctor or healthcare service provider.

You may see some generalized expense categories listed when people talk about what expenses are covered. These may include things like:

> Non-reimbursed medical expenses resulting from charges due to hospital, physician, dental, orthodontia, vision, and prescription drug expenses incurred.

> Deductibles and copayments resulting from charges due to hospital, physician, dental, orthodontia, vision, and prescription drug expenses incurred.

> Rehabilitation services over a long-term period to include drug and alcohol addiction.

> Health care expenses that meet medical expense requirements for federal income tax purposes.

There is actually a lot more to the eligible expenses. Please see the detailed list at the end of this article for this year's eligible expenses.

Why are Flexible Benefit Plans Good?

From the employer's point of view, you are offering your employees an added benefit and helping them to save money on their taxes.

From an employee's point of view, you save taxes and you pay for health care expenses not covered under a health insurance policy or by a health care provider with money that has been set aside for you through payroll deductions. Thus, when these expenses come due, you don't have to pay for them from your daily cash flow.

Without a 125 Plan, you have no pre-tax deductions for premiums, child/dependent care or other out-of-pocket medical expenses.

So say you made ,000 a year. Without the pre-tax deductions allowed by a 125 Plan, you would be taxed on the full ,000. At a Federal Income Tax Rate 15%, a State Income Tax Rate of 3% and a Social Security Tax of 7.65%, you would be taxed a total of ,669.00 on your income of ,000 if you didn't have a 125 Plan.

If you had a 125 Plan and paid ,000 for premiums, ,000 for child/dependent care and 0 for out-of-pocket medical expenses for a total of ,500 you would be taxed on ,500 instead of the full ,000.

At the same tax rates mentioned above, you would be taxed a total of ,002.00 if you did have a 125 Plan.

And don't forget without a 125 Plan that you would still have those premium, child/dependent care or other out-of-pocket medical expenses of ,500 to pay.

So what does that all mean to your net take-home pay?

Without the 125 Plan:

,000 = ,831

With the 125 Plan:

,000 = ,498

By participating in a 125 Plan, you would bring home an extra ,667.

Finally, as promised, here is a list of this year's eligible expenses:

Acupuncture

Alcoholism treatment

Ambulance service

Artificial limbs

Artificial teeth

Body Scan

Braces

Birth control pills

Braille books and magazines

Car expenses for the installation of special hand controls or other special equipment for the use of a person with a disability

Chiropractor

Christian Science Practitioner

Contact lenses, solutions and insurance

Coinsurance

Corrective surgery to improve a deformity arising from or directly related to a congenital abnormality, a personal injury resulting from an accident or trauma or a disfiguring disease

Crutches

Deductibles

Dental fees

Drug and alcohol addiction treatment

Eye exams

Eyeglasses

Eye Surgery when performed to correct visual acuity; (example: laser vision correction)

Guide dog or other animal trained to assist persons with physical disabilities

Hair transplants as a result of a medical condition

Hearing devices and batteries

HMO copayments

Home improvement or special equipment installed in the home for the main purpose of medical care

Hospital bills

Immunizations

Inpatient confinement for mental or physical illness or injury

Insulin and glucose testing equipment and supplies

Laboratory fees

Lead-based paint removal from walls to prevent lead poisoning

Lifetime care fee for medical care only in a retirement home

Lodging expenses when primarily for and essential to medical care

Medical doctor fees

Medical information plan

Medical supplies prescribed for treatment of a medical condition

Medicines prescribed by a medical doctor, osteopath, dentist, chiropractor and/or optometrist

Mentally handicapped persons' cost of special home

Nurses fees

Nursing home medical care fees

Obstetrical expenses

Operations

Orthodontia

Orthopedic shoes

Osteopath

Over-the-counter medications such as allergy medicines, pain relievers and cold medicines, etc.

Oxygen

Podiatrist

Prescriptions (see Medicines)

Prosthesis

Psychiatrist

Psychologist

Smoking cessation program participation and prescribed medication only

Special schools and education for a mentally or physically impaired person

Special telephone and television equipment for a hearing-impaired person

Surgical fees

Therapy treatments for a medical condition

Transplant expenses including payments for surgical, hospital, laboratory and transportation expenses for a donor or a possible donor of a kidney or other organ

Transportation expenses primarily for and essential to medical care

Tuition at a special school for the handicapped

Walker

Weight loss program if prescribed by a physician (excluding the cost of food and/or supplements)

Well-baby and well-child examinations

Wheelchair

Wigs required as a result of a medical condition

X-rays

You should also be aware of the ineligible expenses:

Cosmetic surgery and dental expenses incurred for the general improvement of appearance including face-lifts, hair transplants, hair removal (electrolysis), liposuction, teeth whitening (bleaching)

Custodial care in an institution

Funeral expenses

Health club dues, fitness centers, YMCA membership, spas, massages, etc. for general health improvement

Household and domestic help

Illegal operations, treatment or drugs

Insurance premiums for Life, Accident and Long Term Care coverage

Maternity clothes, diaper service, etc.

Over-the-counter medications, herbs, vitamins and nutritional supplements purchased for overall good health.

Rogaine, unless prescribed for the treatment of high blood pressure

Social activities such as dance lessons or classes (even though recommended by a physician for general health improvement)

Special school for a problem child for anticipated benefits child may receive from the course of study and disciplinary methods

Uniforms

Section 125 Plans are definitely a good benefit for employers to offer their employees and a good benefit for those employees to take advantage of.


Group Insurance Benefits - Section 125 Plans

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Tuesday, December 20, 2011

The Portable Handheld Scanner.

!±8± The Portable Handheld Scanner.

Brand : Unknown | Rate : | Price :
Post Date : Dec 20, 2011 21:01:12 | N/A

This is the portable, cordless handheld scanner that preserves important documents, letters, or recipes, recording its contents onto a memory card for later retrieval on your computer. As you move the scanner over an area as large as 8 1/2" H x 50" L, its sensitive color image sensor scans at high (600 dpi) or standard (300 dpi) resolution, saving images as JPEG files stored on an inserted microSD card (sold below). A scan of a passport takes only five seconds. You can download your images to your computer using the included USB cable. Its built-in display shows the selected resolution, remaining battery life, and memory status. Two included AA batteries provide up to 180 scans. It can support microSD cards as large as 32 GB. Works with Windows 7, Vista, XP, or Mac. 10" L x 1 1/4" W x 1" H (7 1/2 oz.)

  • This is the portable, cordless handheld scanner that preserves important documents, letters, or recipes, recording its contents onto a memory card
  • As you move the scanner over an area as large as 8 1/2" H x 50" L
  • A scan of a passport takes only five seconds
  • You can download your images to your computer using the included USB cable.
  • Its built-in display shows the selected resolution, remaining battery life, and memory status

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