Insurance industry catching the eye of job-seeking African-Americans

(ARA) – Americans are more interested than ever in identifying new job opportunities in growing industries. While emerging opportunities in technology and health care industries have won a lot of attention, another long-established industry is poised for growth – insurance.

The Bureau of Labor Statistics predicts demand for insurance will continue to rise, and the industry will experience “significant growth” over the long term. As baby boomers age, their need for different types of insurance products will likely increase.  This is also likely to be the case for their adult children and their families.

The growth in the industry should be of particular interest to African-Americans seeking a high-growth profession, some industry watchers say. That’s because demand for insurance products and services that meet the needs of the African-American population is expected to rise, and with it the need for insurance professionals who know how to serve the market.

“There is a greater need in the insurance industry for professionals educated and experienced in African-American culture,” says Jodi Webster, a district manager for Farmers Insurance Group in northern California. “The industry is realizing — and responding to — the need to provide education to the African-American community on the importance of having the proper insurance in place, especially in the life insurance arena.”

In addition to the opportunity to fill a high-demand role that will help educate their community, African-Americans might find a career as an insurance agent interesting for several other reasons, says Webster. A Farmers agent for five years and district manager for eight, Webster feels an insurance career as an agent offers the opportunity to be self-employed, in control of one’s own professional destiny and provides an unlimited income potential.

“As an agent, I was an independent contractor, not an employee,” she says. “For agents, there’s a huge opportunity to serve an evolving, growing African-American marketplace. Plus, you get to be in business for yourself, but not by yourself. The investment required to start an agency is affordable and you gain the benefit of corporate branding and support.”

Major insurance providers are also realizing the value of agents who can culturally connect with the African-American community. Farmers, for example, recently launched its African-American Market Expansion, which aims to provide products and services to a growing market segment. As part of that initiative, the company has focused recruitment efforts in the African-American community to expand awareness of career opportunities with the company.

“This initiative will help Farmers better serve the African-American community’s insurance and financial needs,” says Faye W. McClure, Farmers vice president of strategic marketing. “The campaign aims to increase Farmers’ exposure to the second largest minority group in the nation.” Farmers African-American Market Expansion will initially focus on eight states; California, Illinois, Texas, Ohio, Virginia, Michigan, Alabama and Tennessee.

As a people person, Webster says, the opportunity to serve the African-American community has been professionally and personally rewarding. “I like the opportunity to coach and mentor people to develop successful agencies,” she says. “It’s rewarding to help them develop their ability to realize their dreams and provide themselves and their families with a comfortable lifestyle.”

“Need for insurance knowledge and education continues to grow in the African-American community, and so will opportunities for agents adept at serving this community,” she adds.

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The national lighting design competition, Lighting for Tomorrow, hosted by the Consortium for Energy Efficiency and the American Lighting Association will feature guest judge, Chad Ray, owner of Zebulon based multitude of sustainable companies, Shields of Green (

http://www.shieldsofgreen.com).

Chad Ray is co-owner of the Shields of Green companies (
http://www.shieldsofgreen.com), a multigenerational and family owned multitude of companies all focused on sustainability, energy conservation, and stewardship. The Shields of Green companies include Ray Family Farms, a Bunn, NC based organic farm, Olde Heritage Builders, a Zebulon based Green home building company, Build Trust Contractors, a group of sustainable construction experts, Energy Savers of NC, a residential energy auditing company, and many more. In addition, Chad Ray, known as “the green building guy”, is a Green consultant with years of experience as a speaker and advisor on sustainability efforts throughout the building process.

Ray has been invited to judge this year’s national lighting design competition, Lighting for Tomorrow. The efforts of the Lighting for Tomorrow Competition are to advance the energy –efficient lighting industry and encourage innovation in the new use of light sources. This competition is backed by about two dozen energy efficiency organizations from the US and Canada who have pledged over $150,000 to help fund this national competition.

This year, Lighting for Tomorrow is designated into two specific categories, lighting control devices and solid state lighting fixtures and replacement lamps. The lighting control category will be judging the products based on functionality, ease of use and installation, innovation and ability to work with other systems and existing lights. These specific lighting control devices must be compatible with both LED and florescent technologies.

The solid state lighting competition division is in its fifth year, and will feature designs judged on the basis of performance, style and energy efficiency of the lights. This competition is open to a very broad range of residential lighting applications and fixture types as well as replacement lamps.

The Lighting for Tomorrow winners will be announced at the American Lighting Association Conference in Palm Beach, Florida from September 11th-13th. Winners will be promoted by energy efficiency programs across the US and Canada.

For more information about Lighting for Tomorrow, visit
http://www.lightingfortomorrow.com. For more information about Shields of Green, visit
http://www.shieldsofgreen.com
SOURCE:WidePR.com

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You too can break into the scrap metal business on a shoestring and turn someone else’s junk into gold. Start out by becoming a “local junk dealer.” All you actually need to get started is a couple of empty boxes and either a pickup truck or a station wagon with a trailer.

Tools should be on your list as an investment, you will need your basic tools to start-up….. Screwdrivers, hammers, drills, tin cutters and some small power tools

Any metal that you’d find is worth money these days. Check with local machine shops, plumbers, electricians, roofers, and building contractors. And be sure and check in the neighborhood trash containers and service stations.

It’s a good idea to contract with these sources to remove their metal on a regular basis – most of them will just give it to you, it saves them hauling it away. Sort out the metal according to type – copper $2.55 per pound, steel and iron is about $7.00 a hundred pounds, tin $5.00, brass about $1.90 a pound, aluminum about $.90 per pound, etc.

Separated, its worth more. The more you do to separate these metals, the more respect you will earn with your metal processor. Your next step is to search the yellow pages or online city guide for scrap metal processors – they are anxious to purchase all the scrap that you can provide at the going rates. Check your daily newspapers to keep in touch with metal prices, online search engines, Also subscribe to the “AMERICAN METAL MARKET”, “IRON AGE”, AND “FIBER MARKET NEWS”.

Put up signs in Laundromats and bulletin boards all over town. Distribute flyers house-to-house. Place ads in your favorite print newspaper classifieds, online classifieds, Business Directories. Let people know that you are in business of “recycling” scrap metals – most folks will give you what they have free. You can even establish your own “recycling center,” providing separate bins for each metal.

People are super ecology-minded these days and will gladly bring it to you. Newspapers, cardboard and old telephone books bring you a lot of cash too. Contact businesses and pick up their paper on a regular basis. Hundred of fortunes have been build in exactly this way – simple, low-investment beginnings.

Perhaps 9 out of 10 giants of the industry started in exactly this way, and so can you. After you’ve gotten your feet wet, jump into the big time, the “junk automobile” business. This is the best source of scrap metals. It requires a pretty good investment for equipment, such as tow truck, mobile crusher, and a yard to store cars to do the crushing.

To begin, rent the yard, purchase a used tow truck and crusher, and contact your County Clerk for insurance and licensing requirements. Tow in wrecked and abandoned cars, buy old cars for say $45 each and strip them for usable parts – then crush them for scrap. Body shops, garages, and service stations are prime markets for used and reconditioned parts of all types. You still sell the scrap metal to processors or even brokers. Places to sell your scrape metals:

American Metal & Parts Co. 2212 E US 70 Hwy Garner NC 27529, (919)772-6527

TT&E IRON & METAL INC, 1529 W Garner Road. Garner NC 27529,(919)772-9190

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Free Appliance and Electronics pick-up for recycling, Stoves, Dryers, Heaters, Freezers, Refrigerators, Computers, Washers, Radios, TVs, Tools, Metal Furniture and other appliances that you are trashing or nedd recycling. We pick-up free and disasemble and properly recycle all parts.
We also have techs check for salvaging or repair, if repaired we give to persons free,or charge for repair cost and parts if needed only. We do not repair these appliances ourselves and not in the repair business, but we will try to salvage and donate appliances if repairs is not costly and is worth the effort and not just a delay to end up in landfills. Call 919-324-8905 OR 919-803-4425
If no answer please leave voice mail and someone will contact you and set-up a time at your convenience.

 2008 even with the economy at a slow-down, the small business entrepreneurialsare still hard a work bring new businesses to market everyday. The engine that drives our

economy is very inventive when it come to starting a new business, and doing it on a very frugal

budget is the the way to go. Over-head cost can be cut by starting your business at home, but what if your situation won’t allow you to use your home.

The primary reason businesses start at home, or with a meager P.O. Box is

because, renting an office can be very expensive.

On top of your basic rental, you will have to worry about buying and setting

up tables and chairs, and bother yourself with a lot of moving-in blues when

you should actually be concentrating on one thing: Making Money.

Therefore, for many start-ups, the kitchen table offers a “ready-to-go”

alternative which is also rent-free. But what if there’s an office “Cube”

with a desk, a phone, access to a copy machine, fax machine and computer?

What if it has a common secretary receptionist who can type your letter and

charge you only based on the amount of work done? What if this office were

to rent out at $200 a month? Would you take it?

INCUBATOR

Many profitable businesses are born and raised in incubator situations. A

mini office is just that – a slightly bigger mailbox where you can physically

show up and do your work.

It’s an ideal breeding ground for start-ups with limited capital, yet need

legitimate workspace that neither the kitchen or a mailbox can offer. This

is where you come in.

THE LAYOUT

Picture this mini office in a middlerange commercial location. The ideal

space for you to rent would be around 1,800 square feet. You can build

wall-to-wall cubicles that are about 5 x 5 each. Including common areas

and a small corner for your secreetary, computer, fax and copy machines, you can have

30 Cubes that can each rent out for $200 to $300 a month.

If all your cubes are rented out, this will give $6,000 to $9,000 in gross rental

revenues. If you can lease your space for around $0.75 per square foot, your

1,800 sqft space will cost you $1,350 a month.

Add to this the salary of the secretary, and your margin can still be at

around 50% of your gross rental revenue, or roughly $3000. In addition to

your rental revenues, you will also make money on copies, faxes and

secretarial functions.

BIGGER SPACES

The “office cube” concept can be applied to nearly any combination of size

and location and the extent of service you want to offer your tenants. In

this age of entrepreneurship, the one-person business is very common, so it

will not be difficult to find start-ups looking for an office situation like

yours.

Read More Articles: City5nc.com

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(NAPSI)-Often, the lessons we learn the best are those we learn while doing something we love. That’s why getting a child involved in a hobby such as model railroading, radio control planes and cars or model kit building can be the first steps to acquiring the skills necessary to fill the high-paying jobs in tomorrow’s industries.

This is good news, since the U.S. Department of Labor reports that the United States will enjoy a near 14 percent growth rate in jobs in the areas of installing and repairing various kinds of equipment. It’s estimated that 40 percent of this growth will be in auto mechanics and general repair services. The refrigeration, air-conditioning and heating installation industries are expected to grow the fastest.

The downside is there will not be enough people in the U.S. to fill those positions.

You can learn about the world of hobbies and more at www.myhobbyfun.com.

Got a craft business idea you think could earn you extra income? Read how other craft artists have profited from James Dillehay’s craft business guides…..

“We couldn’t have imagined how much of an impact James Dillehay’s advice would make on our business. We thought after perfecting our product everything would just fall into place, but it didn’t until we started working with his suggestions. To our delight we are seeing results on a faster and larger scale than we expected in such a short period of time.” ~ Ken Kobrick & Angela Greene, www.Passchal.com, featured on the Today Show

“Since reading your books, I have implemented many of the ideas. I am now happy to report that I have had some surprising success here in Santa Fe. My hang cards, booth design, and even my products themselves have been changed by your books. I have only been there 5 partial days and have sold about 4 times what I sold in the equivalent time last year. I changed the color of the walls, the height of the tables, the displays, the hang cards, the pricing and more. So, IT WORKS!” ~ Julie Anderson, CostumeSalon.com

“After reading his books, my business took on a new life. I changed my product slightly and the response was remarkable! My first order was triple what I had planned for, and other orders are pouring in! I continue to look to James for inspiration and I love his approach. Because of the techniques I learned from him, my business is thriving.” ~ Cathy Marble, Chamisa Hill Designs

Ready to increase your craft sales and profits? Just click here to learn more about our craft business guides. Click Here

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(NAPSI)-Difficult times can call for crafty measures. Providing an affordable escape, crafting has evolved into a fashion-forward pastime for all ages. In fact, a recent survey by the Craft & Hobby Association revealed that 56 percent of U.S. households have worked on at least one craft project during the past year; a rate that’s remained consistent for the past three years.

What kinds of craft projects have captured the hands and hearts of Americans? The same survey reveals that scrapbooking, home decor projects and woodworking top the list. Other popular hobbies include quilting, jewelry making, knitting, art and drawing. As more and more Americans discover the art of the handmade and the satisfaction it can bring, some are even turning their artisanal passions into profitable side businesses.

Creating Space

You can set up “shop” in your own home by designating a separate space to handle all your crafting needs. Serious enthusiasts can consider dedicating an entire room–attic, garage or an extra bedroom–to their passion. If you don’t have the space, you may choose to convert an extra closet into your own “craftastic” workstation to get the creative juices flowing.

Getting Organized

Once you’ve selected the space, make sure it’s properly equipped. Include a workstation or desk large enough to handle your craft projects and hang up a corkboard to pin design ideas and inspirations for quick comparisons. Keep yourself organized by adding shelving and adequate storage space for tools, paintbrushes or other accessories.

For example, adjustable and ventilated shelving such as ClosetMaid® ShelfTrack™ can easily be installed on the wall or in a closet to keep supplies like fabrics, paper, canvases, paint or varnishes within arm’s reach. Colorful ribbons and tape can slide onto closet rods for easy access, while buttons, clasps and other small objects can be kept in clear jars of varying sizes. Display your how-to books on the shelves and place yarn in baskets or pull-out wire or fabric drawers. Finally, a pegboard can be fashioned for color-coordinated thread or small-tool storage.

Learn More

To find out how you can create your own unique storage solutions, visit www.closetmaid.com or call (800) 874-0008.

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(NAPSI)-According to a Direct Selling Association survey, more than 16 million Americans are direct sales representatives these days and they sell nearly $30 billion worth of products and services, despite the down economy.

There are many ways to get in on this growing opportunity to become an entrepreneur-and a surprising reason.

Doing Well And Doing Good

In some cases, you can not only make money, set your own hours and maintain your independence, you can help others as well. That’s because of another trend in business: the emergence of entrepreneurs taking social responsibility to new levels. These forward-thinking business owners have woven the concept of “giving” into the very fabric of their companies from day one. While it’s generally expected that companies make charitable donations once they have made it big, it takes an entirely different mind-set to create a profitable business model strategically based on the premise of helping others.

For example, one cause-oriented, for-profit business has expanded this concept further by putting giving power in the hands of its customers.

Specializing in the in-home purchase of precious metals, the company donates a minimum of 2.5 percent of all purchases to charitable organizations selected by party hostesses. As a result, in just two years, it’s given more than half a million dollars to thousands of charities across the country.

The expertly trained professional buyers who join Golden Girls are given the latest technology to assess, measure and certify the gold they purchase.

Party attendees can sell their unwanted jewelry in a pressure-free environment and get paid on the spot while enjoying the company of friends.

Charities across North America can use gold-buying parties as fundraising opportunities for their members, supporters and other contacts. These organizations can even create a network of parties to maximize their rewards

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Most small business owners who have managed to survive the proverbial
first 2 years in business probably started out thinking mail order was an
easy business to get into.
Chances are the experience would have been a fun-filled nightmare they may
not want to experience again. Sure, it was full of fantasy and hope. But
it also means a lot of hard work and long hours.

Start your advertising  in your local Newspapers and online local searchengines
and pay-per clicks. Set and know your advertising budget, it can be very
tempting to place ads in other media, including TV, Radio and National Magazines.
Staying with your start-up plans will keep you on target..

Trying to figure out where you want to take your business financially,
it is common for entrepreneurs to extrapolate numbers based on their
advertising budget. This style is perennial among mail order people who equate
advertising as the foundation of their operations.

This approach sounds very logical and statistical, but it doesn’t happen
like that in the “real world” of mail order! Well, maybe once in a blue
moon, but most of the time – it just don’t happen. It’s not always because
your offer is bad or the price is too high. And it’s not always because
your mailing list was bad. Often times, the reason lies in the fact that
you and your company are unknown.

But one of the most important reasons this statistical data only works well
on paper is that most beginners are not skilled in the area of TARGET
MARKETING. Yes – that word is vital to the money your business will make.

Target marketing is the process of focusing on a select and specific group
of people you are advertising to. And it has everything to do with the
product you are selling.

For example, if you are marketing infant products, it would be very unwise
to stage a direct mail campaign on a random list.

How many times have you got a mailing that went in the trash just because
it was selling a product or service you have no interest in? See what I mean.
If the company mailing these catalogs and advertisements would have
pre-qualified you or I and target-marketed their items correctly – we would
have never received them. It is wasted money for the company!

But how can you pre-quality or target market your audience before placing
an ad? If you are a beginner, it will take some time before you are
experienced enough to do so. However, you can always get a sample copy
of the publication first and see what items other people are advertising.
Then, test your ads in the smaller mail order publication that offer
low-cost advertising until you refine your ad and hit the right market.
As soon as you begin generating responses to your ads, keep in contact
with these customers and grow from there. They will bring you more customers
like themselves because “birds of a feather flock together.”

Therefore – SLOW DOWN a little – but if you don’t slow down, you could easily get ripped-off
and lose a lot of money. Just like attending college – you won’t get a
Master’s Degree the same day you begin classes. It takes 3-4 years!

Take your time to get to know some of the pros and read what they have to
say. Survey and study the market. Read and educate yourself by investing
time into study. Start out in mail order like you would start working for
any company – at the bottom. Learn the tricks of the trade. Make friends
and associates with “good” dealers and stick with them. Honor your word and
work dealerships to the advantage of yourself as well as others.

Mail order is only a process by which products are advertised and delivered
to consumers. It works for any product and works for anybody. You don’t have
to be rich, educated or a certain age, color or heritage. You don’t have to
wear certain kinds of clothes or have your hair styled in the latest craze.
The only limitations are your own abilities and confidence in yourself.
I know because I started out really poor and brought my business up to
a thriving, self-supporting home business!
a lot of money. Just like attending college – you won’t get a
Master’s Degree the same day you begin classes.

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Tips for a healthier you at middle age

(ARA) – With the popularity of movies like Sex and the City and the revival of the 50-year-old fashionista, the 42.9 million baby boomer women in America are approaching aging with confidence and style. While talking about many sensitive topics is no longer off-limits to this vocal group, there still remain several embarrassing health topics that many women will not even discuss with their doctors, let alone with their girlfriends. As a result, they suffer through these manageable health issues in silence rather than finding the solutions they need.

It is important for women to be direct with their doctors when talking about all health issues, even those that may embarrass them. Anne Abernathy, a six-time Olympic luger who now serves as an advocate for women’s health, shares tips for being tenacious when it comes to your health:

Talk to your doctor: You may be embarrassed by a change in your body, but when you talk about it with a friend, family member or doctor, you can find helpful ways to deal with it. You may even be able to provide helpful advice to others experiencing the same thing. Facing your health condition head-on and learning how to manage it will help you to move on and live your best life.

Educate yourself: Learn about the kinds of changes you can expect as you age and take some preventative measures to help you avoid or lessen the symptoms of some of them. There are a lot of great sources online where you can learn from experts, as well as others who have first-hand knowledge of the issues. Information is the best tool you can have as your own health advocate.

Navigate your options and solutions: There are a lot of options available to help you manage and prevent certain conditions and ailments. For instance, vitamins to help prevent bone loss or discreet thin pads or underwear for women who have bladder control issues. Talk with your doctor to find out what supplements or products might be right for you.

Achieve a healthy life:  In the end, you just want to get on with living your life and achieving your goals. No health issue should keep you from doing that. When you follow these tips and learn how to manage your condition, you will find yourself with more options, less limitations and more confidence to do what you love most.

Many of these health problems are extremely common, like bladder-control issues, which affect more than 25 percent of women older than 40.  According to a survey conducted by Harris Interactive and SCA, makers of TENA, the number one brand of bladder protection products worldwide, nearly 40 percent of women with bladder-control issues have never discussed the condition with anyone. As a result, nearly a third of all women who experience leaks do not know how to deal with the problem.

“Throughout my life, I have not been afraid to tackle the many obstacles that have stood in my way,” says Anne Abernathy. “Having  experienced embarrassing health conditions such as bladder-control issues first hand, I know that for many women, the thought of admitting to the condition can be more stressful than racing down a luge track at 90 mph. That’s why I teamed with TENA and Healthy Women to launch the ‘Be TENAcious’ program to help women start the conversation, beginning online at www.betenacious.net. Many women experience the same issues in their lifetime, but we cannot benefit from each other’s experiences if no one is talking about them.”

Registered nurse Beth Battaglino Cahill, executive director of HealthyWomen  agrees. “As a nurse, I often have to coax information out of patients about health issues they find embarrassing. When women are candid about their health, they often find the problem they have is very common and managing the issue becomes a lot easier.”

Courtesy of ARAcontent

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Invest in an Industry that’s Seeing Growth

(ARA) – “It was the best of times, it was the worst of times. It was the age of wisdom, it was the age of foolishness.” In the first few lines of “A Tale of Two Cities,” Charles Dickens was referring to conditions in the years leading up to the French Revolution; but he could just as easily have been writing about society today.

While we live in one of the most prosperous countries in the world, many Americans have in some way been negatively affected by problems with the current economy. The credit crunch has persisted despite aggressive Federal Reserve interest rate cuts; retail sales are down; thousands are concerned about losing their homes due to the sub prime mortgage crisis; and gas is so expensive, a lot of people have been forced to park their cars for the foreseeable future.

As if those problems weren’t bad enough, many Americans go from day to day fearing they may lose their jobs. For Shawn Crawford, 38, of Brownsburg, Ind., a suburb of Indianapolis, you could say the writing was on the wall. He used to be the director of operations for a physician group that operated 30 doctor’s offices across the state of Indiana.

“I was responsible for set up, business development and customer service,” he says. “At first I found the job very rewarding, but once the economy started to get bad and the rapid expansion stopped, it reached a point where I feared my own job was about to be eliminated.”

Instead of waiting around to see what would happen, Crawford decided to follow his dream to start his own business. In July of 2006, he quit his job with the physician’s group and became a consultant; but spent every spare moment researching business opportunities.

“I wanted to do something that would capitalize on my experience and help people at the same time,” he says. “I figured people want to look good, feel good and be healthy, so why not open a gym?” But when he started looking into the costs involved in such a venture he became discouraged, that is until he came across some research that showed huge growth potential in health and fitness franchising. According to the International Health and Racket Sport Club Association, while the average growth rate for fast food franchises stands at 20 percent, the fitness sector’s five-year growth has been an impressive 144 percent.

There are a lot of health and fitness franchises out there, but the one Crawford decided to go with was Snap Fitness, a Minnesota-based fast-growing franchisor of compact, state-of-the-art 24/7 fitness centers in Canada and the United States. “The thing I liked best about Snap initially was their business model was pretty much turn-key,” says Crawford. “Unlike a traditional business start-up which would have required a lot of research, development and capital investment on my part, they did all the work for me.”

After he paid his franchise fee and found the perfect location, Snap Fitness provided the blueprint he needed to follow to get his business up and running. He was assigned a project manager who helped him every step of the way.

“The process was laid out and very easy to follow,” explains Crawford. “Snap provided everything I needed to get started – plans for the club design, access to vendors who would sell me the right equipment at a deep discount, all the tools I needed to set up my company Web site and the marketing materials I needed to get the word out.”

Snap also provided the financing, and today handles billing, security and other operational and marketing support for Crawford’s club, which opened for business in October of 2007 and now has about 900 members.

When people ask him for advice about franchising, Crawford advises them to do some investigative work. Talk to a business broker, pick up and read copies of Entrepreneur and the Wall Street Journal, and when they’re ready to proceed contact a franchisor like Snap Fitness directly. Most franchisor Web sites provide rich information about the business model, financial requirements and much more, and they grant access to executives and franchisees during your discovery process.

“We understand what a big decision opening a franchise can be, and that’s why I personally meet weekly with prospective franchisees to answer questions and help them make a decision that’s right for them,” says Snap Fitness CEO Peter Taunton.

“I followed the plan Snap gave me, and I’m quite pleased with my financial success, says Crawford, who is set to open his second Snap Fitness club sometime in April of 2008.

To learn more about this business opportunity, log on to www.SnapFitness.com and click on the link that says “Franchise Opportunities.”

Courtesy of ARAcontent

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EDITOR’S NOTE:

If you would like help localizing this story, contact Snap Fitness’ marketing communications director Patrick Strait at 952-426-7173 or via e-mail at pstrait@snapfitness.com.