Fundraising 101: Turn a "No" Into a "Yes"

According to GrantSpace, there are more than 1.5 million nonprofit organizations registered in the United States. If you're keeping count, that is more than one million charitable organizations vying for the same donations. It's not unusual for fundraising professionals and volunteers to get a "no" from potential donors far more often than they get a "yes." Here's how to turn someone who doesn't want to donate into someone who does.

1.I Don't Have the Money

There's no doubt that times are tight right now. People across the country are not only living paycheck-to-paycheck, but are worrying about how to keep the lights on. When someone tells you that they don't have the money, empathize with them. Tell these people that you understand, but that even a dollar would help. Consider that if you got $1 from 100 people, you've raised $100 for your charity. If you try to force 100 people to give you a specific amount of money and all decline, you've raised nothing. 

2.I Already Donate to...

Many people will tell you that they already donate to a charitable organization, using the excuse to not donate to yours. Thank them for their generosity to the other charity, and kindly explain that your organization is not affiliated with that group. Explain how even $5 can help your group continue its mission. 

3.I Have to Talk to My Partner

Don't push someone who tells you that they have to speak with their partner before they can commit to donating to your charity. It's not unusual for people in a relationship to consult each other when it comes to joint finances. Instead, ask this person if you can call them a few days from now or stop back by. Do not rely on the fact that you will be contacted, take control of the situation. Remind the person that you are not asking for much, and reiterate that any little bit will help your charity or project.

4.I Don't Donate to Charity

Many people don't donate to charities simply because they don't understand the group's mission, history or current projects. Have a flash drive loaded with your information ready to hand this person. Empathize with your prospect, and let him know that you understand that there are millions of charities seeking his donation. Assure him that he will not be contacted again should he choose to donate one time only, and ask him to view your flash drive and pass it onto a friend or family member who may be interested. 

5.Send a Thank You

Send a thank you note or email to every person that you come into contact with, provided that you have at least gathered contact information. Even if the person doesn't donate, thank them for taking the time to speak to you. This simple act of courtesy may encourage someone to donate even after they have told you no.

You never want to pressure anyone to donate to your organization, but you do want to have responses at the ready if you receive an initial no. If someone takes the time to explain to you why they will not, or cannot, donate, take the time to respond. You'll never turn a "no" into a "yes" if you don't try.

Writer Ken Osteen is an avid blogger for dvdcopycat.com where you'll find more ways to use technology to help with fundraising.

What Medical Exams are Required to Purchase Life Insurance?

Life insurance is a form of insurance that pays out a set amount of money either upon the death of the person that holds the policy or after a certain amount of time. There are several types of life insurance policies including term life policies and whole life policies. There are pros and cons of each type of life insurance policy. All of the best life insurance companies will require some type of medical examination before approving any type of life insurance policy. 

When it comes to choosing the top life insurance companies and policies there are several things to consider including:

• How much insurance do you need?
• Is a term life or whole life policy necessary?
• Cost

For most people the cost of the insurance policy is going to be extremely important. Term life insurance policies tend to cost much less than a whole life policy. However, there are some benefits of paying more for a whole life insurance policy including the fact that these types of policies can be used as an investment strategy to be used during retirement.

Most people choose a term life insurance policy because it costs much less. The main reason most people choose to have a life insurance policy is to protect the ones that they love should something happen to them. Parents of young children want to make sure that their children are provided for should something happen. Typically, a term life insurance policy will be for a set number of years that will cover the children until they are grown and can take care of themselves. 

Obtaining a Life Insurance Policy

There are several steps that must be taken in order to obtain a life insurance policy. Once a person has spoken with a life insurance agent the next step will be to schedule the required medical examination. The majority of life insurance companies will require some type of medical examination during the application process. This examination can be completed either at a lab or office or even in your own home. The entire process will take about fifteen to thirty minutes and is conducted by a medical professional.

The typical medical examination for a life insurance policy will involve providing a blood and urine specimen as well as a measurement of height and weight and a blood pressure reading. There will also be several questions asked about your personal and family medical history. 

Frequently Asked Questions about the Medical Examination

1. Who performs the exam?
-The examination is performed by a licensed medical examiner located in your area.

2. How much will it cost and who will pay for it?
-The provider of life insurance will pay for the examination. There is no cost to the applicant.

3. What does the medical exam include and how long does it take?
-The medical exam typically includes reviewing your medical history including any doctors that you have visited a basic physical examination, blood work, and a urine specimen. There are some life insurance companies that will require stress tests and EKGs. The entire examination will typically take less than half an hour. 

4. What information about my medical history will be asked?
-The examiner is going to ask you questions regarding any surgeries, medical conditions, medications or other treatment that you currently use or have used in the past and the names of your current physicians. 

5. What happens with the information provided in the examination? Can I obtain a copy of the report?
-The information provided during the medical examination is confidential and is sent to the life insurance company as a part of your application. If you would like a copy of the report you can request one from the life insurance company.

Conclusion

When it comes to making the right choice it is important to note that a medical examination is going to be required even for a short term life insurance policy. The medical examination will not take very long and most insurance companies will send a representative to your home in order to conduct the test. You may be required to fast for twelve hours before the blood work, but other than that very little preparation is needed. You will want to make sure to have your doctor’s names on hand as well as a list of your past and current medications. 

Post Retirement: 5 Ways to Boost Your Financial Portfolio

Retirement marks the beginning of an exciting new chapter in your life. You are no longer working to satisfy the goals and dreams of your boss. These days, you are looking to ensure that your own goals and dreams are being fulfilled. What are some things that you can do post-retirement to make sure that you have the financial resources to stay in control of your own life?

1) Never Stop Investing

It is a good idea to always be on the lookout for that next great investment opportunity. Whether you want to buy an income property, purchase gold bullion or invest in a business, you should always be looking to put your money where it will continue to grow for you.

2) Get A Part-Time Job

After retirement, you may loathe the thought of going back to work. The good news is that you have the flexibility to choose a job that interests you. Instead of working because you have to, you have the time to work as a bartender, on the golf course or at the body shop because you want to and its a great way to make money while getting out of the house.

3) Meet With A Financial Planner Regularly

Your financial planner is your best friend. He or she will show you how to responsibly manage your money in ways that will allow you to live your life without fear of going broke.

4) Maximize Social Security Benefits

Do you suffer from pain or soreness due to years of physical labor? If so, you may want to meet with Harris Federal, a federal disability attorney to see if you can start collecting social security disability checks without having to sacrifice money in the future.

5) Look For Ways To Reduce Your Tax Burden

Each dollar that you don't send to the government is a dollar that you keep in your bank account. Therefore, it is in your best interest to find ways to lower your tax burden whenever possible. An easy way to do this, if you are under age 70, is to keep your money in your retirement account to avoid paying taxes on accrued interest.

Once you retire, you won't have the large paycheck and health benefits that your employer has provided for you. This means that you have to think of ways to provide for yourself for the next 20 to 30 years.

Benefits of a Cloud Based Phone System

Cloud based phone system is a new technology that enables phone services to be delivered via the internet. The key role of the system is the ability to deliver calls through the internet, route inbound call to the right employees within a company, and offer telephony applications, such as voicemail and call recording. It provides the best features and reliable services. This system stores data in a safe server which can be access via the internet. It replaces conventional land lines. BroadConnect Telecom is an example of Companies that offer cloud based phone system services. 

Benefits of cloud based phone system

Saves costs
The system is cheaper compared to conventional land lines. The system does not need costly hardware such as servers that depreciate with time. You only have to subscribe to a program with monthly or annual fee. This offers your company financial flexibility.

Easy set-up
It does not require wire routing therefore easy to set up and operate. You don’t need dedicated manpower. This involves hiring people whose sole purpose is to administer the hardware and the system. Company owner can be able to manage the cloud phone system using a friendly web interface. This provides you more power over how your employees communicates. 

It is simple to expand or reduce communication features. You can be able to delete virtual extensions with just a click on your account. There is no need for new wiring or shifting office furniture. If you intend to open another office at a different location, you won’t buy a new system. The service is able to join different offices under one system.

Saves time
Conventional business phone systems require high maintenance and intense set up processes. With a cloud based system you skip all those procedures and save time

Advanced features
Clouds phone system provides advanced features such as the capacity to add several extensions,call forwarding, voicemail  message management, voicemail and different phone alternatives. You can be able to record voicemail messages, set up several voicemails, or read voicemails online.

How Retirees Can Save Money on their Energy Costs

Air conditioner, complete with piping, insulated with foamed rubber pipe covering (common refrigeration insulation, along with foamglass). (Photo credit: Wikipedia)

Winter can be a particularly hard time for anybody. People are more prone to illness, roads become burdened with inches of that cold powdery stuff, and our finances are strained by the increasing energy costs of keeping our homes warm. However, winter can be particularly hard on elderly retirees who are hoping to stretch their retirement budget as efficiently as possible. 

While other homeowners are able to turn off their systems to save some energy costs throughout the day, retirees don’t really have an option if they’re homebound. Especially given that around 70% of arthritic individuals suffer far worse pain due to arthritis in cold weather, it can be difficult to compromise on keeping a home heated comfortably for the sake of a budget.

However, with the right practices, retirees never have to worry about paying exorbitant energy bills to keep themselves warm. Here are a few tips that folk who find themselves retired, or anyone who spends the majority of their time inside, can benefit from in reducing their heating related expenses this coming winter:

Perform regular cleaning and maintenance

When it comes to your HVAC system, realize that many parts come with expiration dates. No air conditioner lasts forever, ducts require constant maintenance to remain sealed, and homes regularly need to be audited to make sure you aren’t wasting energy. But if you’re experiencing trouble with your system before your equipment’s typical lifespan, it’s important to ask yourself if you’re having regular maintenance and cleaning procedures performed.

It’s important to recognize how your system works if you intend on doing these procedures yourself. It’s important to recognize the sort of system your house runs on; while many homes run on centralized air conditioning systems, newer houses run on split systems. See this article for a look inside the split system A/C in your home.

Some general forms of maintenance that you should certainly consider to improve your equipment’s lifespan and energy efficiency include:

• Changing or cleaning your filter
• Cleaning coils inside and out
• Monitoring your refrigerant for leaks
• Cleaning your ducts when debris is excessive or creating a blockage

However, it’s important to recognize your limitations if you find yourself unable to accomplish these tasks. Various how-to’s exist online on these subjects for all kinds of circumstances, but doing repairs which are out of your comfort zone could result in personal injury or property damage. And remember – always turn off your system and disconnect power supply when doing any sort of in-depth maintenance.

Consider how well your home “stores” heat

Depending on the amount of insulation and how weatherized your home is, you might be losing a tremendous amount of energy in your home. With improper insulation, it can leak through your walls. With poor weatherization, you can be sending heated air directly out of gaps and crevices in your windows, doors, open frame construction, and other areas. We wouldn’t leave a door open with the heater on; it’s equally reckless to let these gaps go unmaintained if you want to optimize your heating system.

Installing insulation should be left to a professional, especially if it requires removing or working around insulation which contains asbestos. However, weatherizing your home puts you at significantly less risk. This simply requires knowing where to find leaks in your indoor environment and how to seal them using applications like caulk, polyurethane coating, weather-stripping, and other readily-available adhesives. Professional services can perform these tasks for you, though at a premium. Doing it yourself might be advantageous if your budget is too great of a concern and you are physically capable.

With these tips, you can save yourselves up to hundreds of dollars annually on your energy bills. More importantly, you can keep yourself cozy even in the harshest times of winter without worrying about spending too much.

By Jason Wall, an HVAC technician of over 23 years with Griffith Energy Services

Make Sure You Properly Value Your Residence before Getting Homeowners Insurance

Before you attempt to purchase a homeowners insurance policy for your home, it’s vital that you know how much your home is worth and the cost of replacing what you have. This will help you determine the right amount of insurance to buy and helps your insurance agent get a better feel for the policy that you need to have in place. Doing your homework before you actually meet with an agent or get an online quote makes the premium that you receive reflect more accurately the policy that you should have.

How Much Will Rebuilding Cost?

Because building materials continually rise in the marketplace, the cost of rebuilding what you now have is indeed much higher than it was at the time of construction. You’ll need to determine what this cost for rebuilding would be if your home were totally destroyed. Meeting with a local contractor will give you an excellent idea of the cost per square foot in today’s construction industry. You will have to inform your builder of the size, style, and the quality of your appointments to arrive at a reliable figure. Perhaps you can arrange for a contractor to tour your home as it stands now, review the materials used along with the types of countertops  cabinetry, and flooring, and offer you an estimate of replacement costs. You should work with a builder who constructs custom homes so that his expertise will fit the type of home that you have.

Appointments Matter in Construction

Many homes in Florida have an exceptional touch with appointments that add elegance to the styles available in this tropical locale. CNN’s Money Magazine recommends that if you want the same type of moldings, flooring, windows, cabinetry, exterior, and custom appointments to be replaced with your homeowners insurance policy, you should make sure that the builder is aware of this. He may provide you with an estimate that uses less-costly traditional materials if he doesn’t know what you want as replacement appointments. When you select your insurance agent, you should also invite him to tour your home and discuss the possibilities of replacement materials and structures with him. You should remember to include marble, granite, custom designs, and exterior products that you prefer when placing a value on your home.

Documentation is Essential

As you prepare to purchase your Florida homeowners insurance policy, you should have documentation in place that shows exactly the items that you have, how they were displayed or arranged, and the true condition of your collections. Photos as well as videos provide excellent sources of information about the condition of your home prior to your claim of damage. You can stroll through each room and narrate exactly what you are viewing for the insurance provider. Include glasswork, antiques, special collections of jewelry, art, or firearms, and the upscale items that add to your home’s décor. Store this documentation in a safety deposit box or safe so that you will have proof when the time comes of what you once had.

Doing your homework before purchasing homeowners insurance is an excellent way to get the policy that you truly need.