1.If you are a healthcare provider or physician, you need to be connected to a healthcare network, Availity is one with the widest reach and database.

2.Huge database with many healthcare insurers, each with thier own list of payers profiles. The payer profiles are indepth and can be brosed and accessed via the Availty website itself that is extremely user friendly to navigate through. An addon tool called Careprofile gives you a sneap peak at a consolidated tabulated view of the patients medical history as well as claims history.

3. Availity can be used free of charge by providers and physicians with a secure login, and free training and help webinars are setup from time to time to deal with user issues on subjects of choice.

4.It is extremely cost effective as well as helpul to providers, as the database and information about payers and patients is exhaustive. Administrative elements and middle men are cut out, and the entire process of availing healthcare is simplified for the payer, physician and provider.

5.Easy payment options via care  also card swipes on the web portal itself, reimbursements can also be availed onsite.

At the helm

Glenn Renwick, CEO

1.Cheapest packages and rates in the industry

2.Easy Online Payment of deductibles-Everything at the second of a click can get you started and done in no time with the many tools progressives’ website offers.

3.Agents are more than happy to go that extra mile to see that your claim is processed or your paper work is filled out to the last t. they are there for you, every step of the way, they are your insurance angels.

4.Progressive offers on an average a lot more coverage for the same price than other insurance companies.

5.Roadside assistance feature on the policy helps when you have  a breakdown/accident and the need for a tow truck.

6.Easy update of your policy can be done online, and all the features can be checked in real time.

7.Name your price tool- Lets you instantaneously search for an insurance product that is best suited to your car and lifestyle and spending capacity.You can start by checking if insurance is offered in the state you are living in.

8.Car insurance for teens- Progressive offers specific packages for young drivers. Teenagers are most vulnerable behind a wheel, because most are new and inexperienced drivers.They need  it more than adults,

9. Rewards galore-Progressive is all about customer satisfaction. The rewards they shower on new customers is good to start with, a minor claim is the first tiny reward you get when you sign up. The longer you stay with our policy the better it gets to name  a few- child discounts, continuous insurance discount and large accident forgiveness.

10.Good insurance packages and deals- Progressive has one of the widest and most comprehensive umbrella of policies and packages that fits every situation and event. Some of the great deals you get are when you sign up with a $50 online discount, discounts when you sign up more than one car and additional discounts when you pay for the entire policy upfront.

11.For all the ladies reading this, Progressive is the biggest supporter of the Womens Motorcyclist Foundation, a group that creates awareness for safety of women motorcycle riders.

Today, you have myriad of personal finances apps that fits within your laptop, tablet and smart phone that is able to keep the business protected. Even if you are constantly on the go, you do not need to go near the bank to make your transactions.

Here we are going to mention about the four security apps that will help to increase the business security than you experience in a credit card. So go digital and protect your business finance!

Mint.com

This is a free mobile application, which is able to run on both iOS and the Android devices. You will be able to manage number of business account with this particular app. You can check the balances in real time, categorize the business transactions, move the money from one account to another, receive the bill notifications, track the spending forecast, and the Mint will also let you know the close going over the budget, to help you always. Mint is just like having a personal account in the pocket and the easiest way to track and manage all the business accounts on the go.

Inuit GoPayment

This is another application, which allows business owners to accept credit cards, wherever he or she might be located, while they are moving. Free cell phone credit card readers’ switches on the application with their smart phone. It enables simple swiping of the customer credit card and a secure screen will appear where the customer can sign the signature. How it becomes easy? Funds transfers are done within 24 hours, so you will never be stuck waiting for the next cash flow.

Adaptu Wallet

This is a free app or a tool that is meant for the iPhone users and is handy for budgeting many financial transactions. You can actually use this app to project the business spending and secure the bank account information like photos of the insurance, account numbers, Pins, reward cards etc. The app is able to connect securely to an array of services of the bank like Citibank and Pay Pal. Moreover, number of rewards programs by companies like – Verizon, Delta Skymiles, Starbucks ensures that you can save your money and Adaptu will support you.

Pageonce

This is even free, and an extremely personal financial app you just need to pay $4.99 per month. It is able to keep track of the multiple accounts via thumbnails on the mobile device home screen. You get a full view of the accounts and spending from one handy screen. Pageonce app marks the payment of the bill, transfer of money, tracks all the business expenses directly from secure, cloud-based apps that is always of the business expenditure.

Author’s Bio: Benny Johnson is a financial advisor for the small business companies and let them learn all the innovative tactics of the business. He is also working in parity with inbound call center services that support business with their outsourcing services.

Education credits- February 15th onwards

Business,Energy Credits,Depreciation Deductions- March 1st onwards

Check for your refund – after 24 hours if filed through Efile

Check for your refund – after 4 weeks if filed in hard copy

Check for your refund generally- 21 days after filing your tax return

Most efficient method to receive your refund is filing electronically through “E-file” and then opting for a direct deposit to receive your funds.

In order to go to the Wheres my refund tax page, click on the image below to direct you there;

Its back panel is riveted to give the battery that extra edge protection, and also comes bundled with a harness to secure it around your wrist so that you can run or dive with it. No official word on the price of the Xcover 2 was mentioned, but a calculated guess could place it within the $200-$250 price range.

Specs:

What better way to put them head to head, than to showcase their latest toys- the Galaxy grand that released to the open market in the third week this month, and the Micromax Canvas 3 A116 that is due in the first week of February.

Everyone reading this article can go through the specs head on, before making their purchase.

	Micromax A116	Samsung Galaxy Grand
Size	5″	5″
Processor	1.2 Ghz Quad Core	1,2 Ghz Dual Core
OS	Android 4.1	Android 4.1
RAM	1GB	1GB
Internal Memory	4GB	8GB
Resolution	1280*720	480*800
Battery	2100MAh	2100MAh
Camera	8MP	8MP
Price	Rs.12,000	Rs.19500

Hangs and Crashes- The A110 has a measely 512 MB ram which is extremely low for running high end apps and even mediocre graphic games. Without rooting and tapping into the core processing power of the device, many games either do not startup, or crashed after playing them for sometime. This can get frustrating, and for a phone that sports a dual core processor and a 5 inch screen, 1GB is the bare minimum.

Power-Even though the Battery has an supply of 2000mAH, playing a HD game brings the battery down to less than 20% very soon. I tried this with Deadspace and within a matter of 1.5 hour, the battery was at 50%.The A116 promises to have a slightly more powerful battery  of 2100mAH, that we hope will give us a better power performance.

Internal Memory-Its unfair to compare the Micromax smartphones with those of the bigger international brands, but putting it bluntly,2GB of user memory is “miserly” to say the least. Even though 4GB of internal memory is given, 2GB can be used for the storage of media files etc. The other 2GB is reserved for Apps and system data.One may argue that there is a 32GB SD storage in the external memory slot,retrieving and transferring data to and fro into that memory module is still slower than the accessing the internal memory.

There have been other instances observed by users about call drops and poor image quality of the 8MP camera,but that seemed satisfactory to us.

So what has the canvas 3 changed from the canvas 2, lets have a look in terms of specifications:

	CANVAS 2- A110	CANVAS 3- A116
Size	5″	5″
Processor	1.2 Ghz Dual Core	1.2 Ghz Quad Core
OS	Android 4.0.3	Android 4.1
RAM	512 MB	1 GB
Internal Memory	4 GB	4 GB
Resolution	480*854	1280*720
Battery	2000 maH	2100 maH
Camera	8MP	8MP
PRICE	rs.9999	rs.12,999 (unconfirmed)

On the whole, the look and feel of the A116 is almost exactly the same as the A110 on the outside. Internally, one of the best improvements is the 1GB ram that is still less for a 5 inch screen that runs a quad core processor.Along with the improvement in the processing power, one aspect of this new smartphone that has not been updated is the internal memory that is stil lstuck at 4Gb, out of which 2 GB is kept for storage of apps and only 2 GB available for user storage.

PHABLET VS LAPTOP

Anyone who has used an android or Ios mobile phone knows how easy it is to operate and the touch only makes using it a fun experience.Mobile phones with a screen size of more than 5 inches are often called “phablets” as they come closer to being used as tablets, but with phone functionality too. Most big brand mobile phone manufacturers like Samsung and  Apple are slowly moving towards offering larger screens with each newer model introduced. Its almost certain that touch is the technology of future and physical keyboards used in laptops are on its way out. In most aspects of display,computing power, and program memory, phablets are bridging the gap, with most smartphones using Dual Core technology . The only thing still lagging behind and still hasn’t caught up in smartphones is physical memory that still averages at 16 GB compared to a whopping 1 TB in laptop computers.

HANDSET SOURCING

Just as the bug guys do it, we can source ready handsets from Taiwan and China through online wholesellers. The difference between big corporations like Smasung, Apple and small independent players like yourself, will be that you will source the handsets from third party manufacturers whereas they have their own manufacturing plant in China, and only source labour and raw materials.

The prices of OEM smartphones vary from $75 to $200, depending on the screen size,RAM, processor and camera. There are literally thousansds of merchants and agents from who you can get a sample handset before you give a bulk order.In addition to the price of the phone, you also have to incorporate import customs,duties and freight costs.Even with all these basic overheads, you could stand to make a profit of about 40%-50% on each handset.

This is a jist of how any individual with just a budget of less than $100,000 can begin the first steps t becoming a mobile phone business magnate.