7 Tips: Cord Blood Banking

Are you pregnant? If you are, then you have undoubtedly seen advertisements for banking your babies cord blood. Cord blood banking has become a hot topic with parents-to-be recently. The reason is simple; the companies that store the cord blood tout the advantages to saving this once in a lifetime supply of stem cells. While the benefits of saving the cord blood from your newborn could be numerous, there are some things that should be taken into consideration. This article will help to provide you with a place to start on your journey for more information.

1- The proponents of cord blood banking state that this particular type of blood is needed to cure future diseases that the child or their close relatives may developed in the future. Diseases such as leukemia sickle cell anemia anything that may need a bone marrow transplant. The reason is that the cord blood will be a 100% match for the child, and at least a 25% match for siblings.

2- However, it is important to note also, that the costs associated with cord blood banking can be very high. One popular blood bank charges around $1500.00 for the initial storage and processing fees and $80.00 a month for storage after that. The blood is generally kept in storage until the donor (the newborn baby) is 21 years old. This is a significant investment, and needs to be given careful consideration.

3- If you are planning to save the cord blood from your newborn, it is very important that you do your research. You need to know the processing procedures, how many subscribers they currently have, if anyone has actually needed to use the cord blood that was stored, and if so, was it still viable? Ask also if the blood bank is a member of the American Association of Blood Banks (AABB), this will help to ensure that they are a legitimate blood bank that is concerned with your personal situation.

4- After you have selected a few banks that you are interested in, you will need to do some checking into their financial situation. A reputable bank will allow you, at least, to read an over view of their financial statement. This is an important step because, if an institution is not economically sound, then the investment that you are making to preserve the cord blood is not safe.

5- If you are not interested in saving and, therefore paying for the cord blood banking, you may consider its donation. The procedures for collection are the same and pose no danger or pain to either you or to your child. However, this form of donation is a little different that a normal blood donation. This type of blood has the potential to unlock the mysteries of diseases and can be an important research tool. Before it can be used for that reason, you will need to sign a form stating that they have your permission to use the blood for research purposes.

6- You can also donate the cord blood to a person that is suffering from a medical condition such as leukemia or sickle cell anemia. If your child is a match for a bone marrow transfer, this cord blood could indeed save someone’s life.

7- As you can see, there are different options that are available to you for the use of your child’s cord blood. However, the costs can add up, if you are ever in a position where you cannot pay the storage fees, then the blood may go to waste, therefore, the costs need to be weighed against the potential gains.

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How to Find Auto Insurance Videos

If you’re hunting for an auto insurance company and need some sort of eye catcher, you should find a company that’s got auto insurance videos that explain how their services work. We all know when it comes to buying auto insurance, it can be a hard situation to pick the right one. When an insurance company provides you a video of their services, that gives you the idea of how the company really is.

The company will provide you a video, either through commercial or even through the Internet websites. The Internet is a perfect way to find Auto insurance companies and their videos they have to offer you. The videos you find on the Internet can tell you more about their services from a voice prospective. We all know that when it comes to certain companies, they vary with the coverage that is offered. Just because it is a cheap price does not mean you should settle for it. You should always pay attention to that coverage.

Coverage’s can be a problem when it comes to buying insurance from an insurance company. When you ask or watch a video from the company, they could tell you exactly what you want to hear. However, you can get find out the answers through the Internet to really find if they’re telling the truth.

Do you plan to buy an insurance company you see on TV? Well, you should know that most top insurance companies can give you what you want for a price and to tell you what coverage’s they’re giving you.

You can turn to the Internet to find many of those videos on auto insurance as many companies are using videos in order to promote their business. Auto insurance videos are common with the technology that’s out today and you will find it’s a good way to find them on the Internet.

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Debate for Business Plan Data and Early Franchise Disclosure

I have heard franchise attorneys say that prospective franchisees need the disclosure documents early on so they can make a business plan to see if the franchised outlet is feasible and I debated with them over this point of contention. Potential franchise buyers have also told me they wanted to put together a business plan for their evaluation process and therefore they need all the disclosure documents. They ask for these documents before they fill out the confidential questionnaire. We of course do not send out a UFOC without a completed questionnaire, which has been verified and we know the applicant meets our general approval and then check credit sources to see if they can actually afford it.

We have had potential buyers fill out the questionnaire and leave information out, because they did not feel comfortable with problems associated with identity theft and still want the documents. So that consumer puts us at a standstill. They want to put a business plan together to estimate the worthiness of the business, but need to know all the costs associated with it before they give us their information. Yet that information is readily available on most franchising web sites already. Of course we need to determine if they can even afford it (if they cannot we cannot spend the time on the sales process) or determine if they are one of the huge percentage of all inquiries that are competitors before we give away information contained in the UFOC. To top it off, we cannot assist them with earnings because we do not give earnings claims because we do not collect the data. This is because under the current rules we cannot substantiate or choose not to go to the expense to audit that data even though we know the answers after being in the industry for 27 years. They can call franchisees once they get the documents if they wish. But we cannot give them the disclosure documents pre-maturely. Now the FTC wants us to offer a UFOC because a potential buyer wants it or has asked for it and we have discussed our opportunity with them. The potential franchise applicant wants to make a business plan of our business model, that we do not wish to offer to them or even sell them at such early stages in the sales process?

A potential buyer wants to put together a business plan to get funding to buy a business for which he/she does not have the cash to buy. In order to get a loan, they will need a business plan. But any business plan they put together will be in contradiction to the absolute franchise business model that the franchisor will reveal after the actual purchase, we cannot reveal it sooner otherwise it will be copied and used against our team. I have heard FTC people say that they believe the potential buyer has a right to the information necessary to put together some close representation of a business plan of the franchise they wish to buy to determine if they should buy the business. Whereas this seems like a good idea on the surface the FTC has put into place rules making it impossible. They believe that this type of added disclosure sooner in the buying process will help. Yes it could, but a franchisor cannot provide the information unless first he can substantiate it and second unless the potential franchise buyer can prove he is a real buyer and can afford the franchise. We believe the answer to this concern lies on the back of the potential buyer to fill out a questionnaire truthfully and correctly and for the franchisor to verify data on that application before disseminating any additional information. At that point our company provides for the potential franchisee to go work with an actual franchise for one day and bring a calculator. We can provide a blank spreadsheet with typical expense categories on it but no numbers. The potential buyer in our franchise can visit a current franchisee and bring his/her calculator. And of course the disclosure documents will be provided once the proof of financial capability has been satisfied somewhere in the application process time frame.

It also appears from observation that no one really seems to understand the franchising model outside the actual industry practitioners, attorneys in franchising and those who own franchises. The FTC certainly does not see the whole picture. I would invite Steve Toporoff and/or the entire FTC Franchise Group to go on a paid sabbatical and work in a franchisor’s sales department sometime and listen to real franchise buyers ask questions, competitors trying to get information and the obnoxious looky lou’s. The FTC should also send four or five of its highest-ranking franchise sector employees to do the same. I think if that were done you would begin to understand the ridiculous nature of enacting such a revised disclosure rule and you might ask yourself why we have a franchise rule in the first place.

But the FTC is not the only organization that does not understand franchising. I spoke at the SBDC’s Annual Conference in San Diego, CA a few years back. In the workshop on franchising I had about 50 directors from around the country from the SBDC bombard me with questions after giving my talk. I was dumbfounded by the lack of understanding and knowledge on franchising. Almost to the point of frustration and wanting to walk out, I was shocked these were the directors of some of the largest SBDC offices in the country. I carefully worded my answers to make sure they had understood the issues presented to them. Finally we made some headway and many stayed afterwards to continue the conversation because they knew franchising was a major issue with their clients who come in for counseling usually prior to getting an SBA loan or putting together a business plan for a franchised business. I got to thinking about the 550 or so Directors and Executive Management of the SBDC Annual Conference that were in attendance and wondered why weren’t all the participants in our workshop? Instead many had gone to time slot competing workshops as that is generally how such conferences are set up. But what could be more important than franchising which accounts for 1/3 of every consumer dollar in the country and a huge chuck of the small businesses in the US. What other business model can claim 350,000 outlets would the SBDC; “Small Business” Development Centers Deal with? After all franchising is the largest sector in small business, not to mention accounts for the most efficient small business models. Executives of the SBDC should have training in franchising as compulsory.

FTC should be helping all potential consumers of a franchise to understand what franchising is, but look at the information put out by the FTC, all they do is call to attention all the possible frauds and tell consumers to watch out, just look at their web site. You would think every franchisor is a crook. We all know crooks do not last long in franchising, it just costs too much to even get started, crooks are looking for easy kills with little work. You will find nothing of the sort in the franchising industry. I think the FTC’s tact is a travesty, because some people will lose all their money if they start a small business, franchisors require structure and help people realize their American Dream. You would think that the FTC would applaud such efforts. Instead the FTC purports that the franchisors are fraudulent at every corner, bull! Fact is that the FTC is grandstanding and purporting their own importance to the consumer, offering hundreds of questions that potential buyers should ask of franchisors before purchasing and then making rules prohibiting the answers of the exact questions they recommend to ask through their own rules associated with disclosure. I cannot vouch for the current people of the franchise group but in the Clinton years it was certainly like this. I see a couple of familiar names still associated with the franchise division there, have things really changed? If so shouldn’t we be able to tell from the FTC website. In case anyone has not yet got the picture, Franchising Mean Jobs. Jobs are good. Franchising is therefore good and we ought to make a note of it. With giant happy face right smack on the FTC site. Franchising Industry receives award !!! If you need a spokesman, no one believes that more than this kid right here.

The SBDC has hundreds of sample business plans on file to help potential small business owners develop business plans. But none are sample business plans for a franchise. I have in my personal business library, which travels with me ten books on how to write a business plan. None of them have a sample business plan for a franchise business. It is not taught in schools including the curriculum at the Entrepreneurial Studies at USC. I know because I talked with some professors there and then bought all the text books for the classes. Only one or two schools teach the compilation of a franchisee business plan in their entrepreneurial studies courses and then they simply mention it. This is in the whole country, why? Because it is not getting the juice for the most excellent business format and model it is. The FTC should led the field in this regard to alert the public to that fact. Our company has just devised a “fill in the blank business plan,” which we may use to help qualified franchisee buyers. The franchise buyer can call up existing franchisees and decide what numbers should be put into the plan. These are what the franchise buyer really needs, but of course not until they are qualified.

The early disclosure debate for reasons of making a business plan of a possible franchised business does not hold water. Even once the potential buyer of a franchise has the UFOC there are no sample franchised business plans available in most franchise companies. In any franchise the potential buyer must fill out a form and prove financially capable before such information can be given out. In some registration states this would be considered advertising and be subject for review and once reviewed this would go into public record and therefore it cannot be used at all since it would be pre-signing of agreement. The franchisee does not need a disclosure documents prior to the qualifying, nor should a franchisor be required to give it out. If a franchise buyer makes a business plan or spread sheet for a possible future franchise it will surely be incorrect because the franchise buyer does not know the ins and outs of the franchised business yet. Therefore the franchise buyer maybe leading himself into a falsehood of how he believes the franchised business works and what his new franchised business and new lifestyle might entail. In other words he will be fraudulently inducing himself to buy something on bad information, if the franchise buyer were to show this to a franchisor, the franchisor is not allowed to comment for fear it might be construed as an earnings claim as you probably guessed.

We have had many recent potential buyers ask us for the UFOC so they could write a business plan before accurately filling out the application, or before we had a chance to verify what they filled out as being true and correct. This is not a good argument from the potential buyer, FTC or franchisee attorney. First you must qualify and be verified before we give out data for any purpose including writing a business plan for a franchised business. After all you could be a student doing a project and the business plan you write could appear in the next years text book for the publish or perish professor. It could end up on the Internet, which is what happened to one of ours that was written by a prospective franchisee in Little Rock, AR after a counselor of the SBDC felt was her duty thus disclosing proprietary information of our system to all. Thank god it was written by a prospective franchisee and was actually not correct entirely otherwise that would be copyright infringement, which we as franchisors claim on all proprietary information. It does a disservice to the hard work of many franchisees and the franchisor himself to give out such data or make it available to the public in anyway. It also invites competition to the franchisees thus inadvertently gives a competitive advantage to those consumer who have already purchased franchises trying to get a fair and reasonable ROI to feed families, buy soccer shoes and send kids to college. This is another reason why UFOCs and other information should not be allowed to pre-qualified individuals, the information they create as a business plan ends up all over the place. What if the potential buyer builds a business plan based on UFOC data and then starts their own business, deciding not to buy the franchise? The FTC would say that is their right and so it is, however my franchisees would be totally upset that I allowed data to help a future competitor of theirs into their market. I have a responsibility to that consumer too. He is a real consumer, he is a current franchisee and it is franchisors job to see that they are able to achieve up to their ability to follow the system.

Since a business plan is not necessary until you are sure you want a franchise and are qualified and accepted by the franchisor as a qualified franchise buyer, the business plan debate and justification for an early disclosure is invalid. There is sufficient competition in franchising and a potential franchise buyer, who on average I am told by FranchiseOpportunities.com, looks into 15 or more franchises before deciding which one is most suited to their lifestyle, needs for cash flow and amount of financial where with all available. So therefore we can see that until they narrow their selection, there is no need for them to have fifteen UFOCs to make fifteen business plans, which no one would ever do who was not a doctorial student of business, that is not even required for the IFA, Franchise Executive certification program. And alas the doctorial student would not be a real buyer anyway so no franchisor should be obligated to give them such information based on this business plan debate. Now if the potential franchise buyer had accurate and comparable information then of course this business plan point could be valid. Not actually a business plan as much as a “T” on apiece of legal paper of the pluses and minuses of each franchise being considered. A person not familiar with UFOCs like most all real franchise buyers would have a problem going through all the information trying to find the comparable data. And by then his coffee table next to the couch would buckle from the weight of 15 UFOCs when the house cat sat on it, just ask Robin Glen Day, franchise attorney and cat lover out of California. Check out her cat on her website, how cool is that, not bad for an attorney, Google her name you can find the site?

The SBA is another organization that does not understand franchising. You may recall a few years ago the SBA contracted with FranNet to put all UFOCs on the Internet for streamlining SBA loans of their preferred lenders. First thing FranNet did was send a sales letter to all franchisors telling them they could now get other franchisor’s and competitor’s UFOCs for a fee. In addition they went through all the UFOCs submitted and did studies you could buy too. This illustrates my point regarding the competitive intelligence and proprietary information being given away due to the lack of understanding of the competition in franchising and different market sectors were the franchisors operate and compete. Obviously FranNet with their coup from the SBA contract would never offer such a service if it were not a desire of the competitive market place to get the information. Yes, I ordered my competitions documents and yes it helps me beat them in the market place. Yes it is unfair, but they are also doing it to me. No, we did not after that point bother dealing with the SBA or FranNet. And yes we turn away most applicants who answer our question of “where will you get the money to buy this franchise?” on our questionnaire; “from a small business or SBA loan.” As soon as the franchise buyer submits the documents as part of the loan package there is a possibility of it becoming public record. The UFOCs contain so much information, such a P and L, Balance Sheet, experience, number of projected units, location of existing units, etc, etc that it is in essence the same or better than going through a competitor’s office files or trash. This over disclosure promotes Machiavellian tendencies from competition and condemns the noblest of franchisors to spend to guard against it. We did a had a preferred SBA lender forward information about our franchise to a friend of his from the Rotary Club who was a strong competitor and owned a carwash in that region. The competitor then contacted us for more information about what we were doing.

Apparently the FTC, SBA, and SBDC do not understand the competitive nature of business in America and freely help competitors under the guise of helping consumers. Whether or not they realize it, I believe they must, as only an idiot would be so blind to the fact. Many times the competitor turns out to be the actual agency or organization. Franchisors must be careful to not give away proprietary information otherwise it is of detriment to their system and could hurt the very franchisees they have enlisted under their wings. These current franchisees and I cannot emphasize this enough are also consumers. They are real consumers, unlike those inquiries, which are un-financially qualified and/or competitors. Think about it.

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Driving A Brand New Car Home Without One Day Car Insurance Cover

Do you drive to your workplace every single day and use the car or truck on the weekends as well or are you one of those individuals who leaves your vehicle at home most of the time? Do you believe it makes sense to sign up for an auto insurance policy for a year if you are just utilizing your automobile a handful of days a month? Insurance agencies understand that some drivers use their vehicles on a temporary basis and now offer temporary insurance coverage policies known as 1 day car insurance. Buying for this form of insurance coverage is not really complicated at all. In fact, it can be simpler than searching for an annual insurance policy. This short article covers precisely what this sort of insurance coverage is for and also who could benefit from it the most. The benefits vary from saving money to convenience. As you will see, there are certain cases where no other type of insurance plan makes sense. Opinions from people in the Uk show that cost benefits and ease of applying have become the major advantages of one day car insurance. Surprisingly, there are several providers that sell temporary and short term auto insurance. This supply also benefits motorists since they gain from affordable pricing.

1 day car insurance is great for specific situations. Insurance cover may be for 1 day up to and including duration of a month or more. You should be happy to observe some of the cost savings throughout the year. This could be several hundred bucks. How would you use some extra savings? There are numerous associated kinds of insurance including pay as you go, short-term and day by day insurance coverage. Without going with an annual insurance plan, you can successfully save money during the times where you don’t utilize a vehicle.

The coverage that you will obtain is very close to the degree of coverage from the common yearly policy. While pay-as-you-go insurance is normally month to month insurance, 1 day auto insurance is just what it appears like. You will get cover for one day or two days up to as many days as you require. There isn’t any danger to the customer as the level of coverage is the same as in the traditional annual plan. As an example, you will have uninsured motorist protection and disaster protection.

In the event of an automobile accident, the policy can be used on the motor vehicle repairs, hospital bills and reimbursing for property or home damages. 1 day auto insurance is a different product that should be thought of as a baby form of a twelve month policy.

If you find yourself borrowing other people’s automobiles, you will find one day car cover pretty beneficial. It makes it legal for you to operate someone else’s vehicle as proper insurance cover is mandatory by law. Temporary car cover is available from many different companies. Many of these companies advertise online and offer online insurance forms. You may be surprised at precisely how effortless it is to acquire it. As many people hear about one day car insurance, costs will likely favour the buyer. You should not get insurance without obtaining a bunch of quotes from different insurers. Read the policy information properly as there may be slight differences from one insurer to the next. Please do not merely gloss over these important papers as you might be sorry for it eventually if you get into any sort of accident.

Urban town residents often find that they never rely on a car because most department shops, food markets and places to eat tend to be reachable by foot.

Public transportation is also a solution for these people. Using one day car insurance, you may rest assured that you will not get penalized and also know that you’ll be being economical while doing so. You won’t be spending money on insurance that you do not need. The overall flexibility is a further benefit.

Again, short term car insurance is perfect for these circumstances. People who stay in the city can also do away without parking charges, servicing on their vehicles and improve the planet by operating their cars only when they really require them. A short term kind of insurance pushes people to make use of an auto only when they really need to.

Driving with no insurance coverage is just not a good decision. This particular federal crime may come with an enormous penalty as well. You can start by applying using the Internet. Acquire quotes from different companies and insurance brokers.

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