Post about "Personal Finance"

How To Finance A Tubal Reversal Procedure

You had a tubal ligation several years ago but now you’d like another child. Well, you can. All that’s required is a procedure called a tubal reversal. That’s the good news. The not-so-good news is that your insurance probably won’t pay for it. Fortunately, there are a few insurance plans that will. For example, Blue Cross/Blue Shield has covered some reversal procedures. However, this varies depending on where you live and your insurance plan. So, if you want the procedure, be sure to talk with your insurance company first.If you believe your insurance will cover the procedure, some tubal reversal centers will help with the paperwork by filing it for you. Others will not even accept insurance. In this case, you will have to pay before the procedure, do the filing yourself after the surgery and then hope you can collect what you’ve spent.If you’re lucky, you’ll have a plan that covers all or at least some parts of the procedure. But, be prepared to pay for it yourself.What a tubal reversal costsDepending on where you have the procedure done, it can cost anywhere from $5,000 to $10,000. The national average cost for a tubal reversal is around $9,000.If you have your procedure done in a hospital, the conventional way – as abdominal surgery, you will probably have to stay for several days. This is why the cost gets to be $9,000 or more. An alternative to this is to have your tubal reversal done in a clinic that specializes in these procedures where the cost might be as little as $4,995. It could take just an hour and would not require an overnight stay.How to finance your tubal reversalThere are a number of ways to finance a tubal reversal. The most popular is probably to put it on a credit card and then pay for it over a period of time – maybe 18 or 24 months. Of course, you will have to have a large enough credit limit to accommodate that $5,000 or $10,000 charge.A second alternative If you can’t use your credit card for tubal reversal financing, you might be able to get a personal loan. One company, OneMain Financial, advertises that it will work with you to provide a personal loan solution specific to your needs. It further states that it offers fast approval, fixed interest rates and a 14-day guarantee (you can change you mind and cancel anytime within the first 14 days). Other institutions that provide loans for tubal reversals include CapitalOne Health Care Finance, MediCredit, MedProva, Reliance Medical Finance, Care Credit and SurgeryLoans.Other possible solutionsIf you or your partner have a flexible spending account (FLEX plan) you could use money from it to pay for the procedure. A FLEX plan allows you to set aside pretax dollars into an account and use these funds to pay for medical expenses. If you are unsure as to whether you or your partner has such a plan, contact your or your partner’s company’s personnel department for more information. If it does offer a FLEX plan, you should be able to take money from it to finance the procedure, assuming you have set money aside in it. If you currently aren’t enrolled in a FLEX plan, you should be able to sign up for it during open enrollment for benefits and start setting money aside for the following year.Also, some of the clinics that specialize in tubal reversals offer payment plans. If you decide to go to a clinic that specializes in this procedure, be sure to ask if it offers such a plan.Expensive but worth it As you have learned in this article, getting a tubal reversal is not cheap. But there are alternatives in tubal reversal financing that can help you make that dream come true – to have another child.

Brainstorming The Ideas for Influencing Your Mobile App Audience

Once the app is downloaded, you have little time to take a sigh of relief, and then again start focusing on making things easier for the them till their goal is achieved.

According to the AppsFlyer, an app marketing company, the global uninstall rate for apps after 30 days is 28%. Entertainment apps are most frequently deleted, whereas apps based on Finance is least frequently deleted. No matter which app category you belong to, your strategy should be to remain in the mobile phones of users for a long time, and not just sit around but to fulfill your purpose as well.

If we analyze the encounters of users with an app step by step, it can help us unveil the critical factors that influence mobile app audiences, so that we can work upon those and achieve our purpose. Here are the details:

Step1. Finding Your App in Appstore

For this, we have to first find out what exactly users type to search an app. Based on a research, it has been found that 47% app users on iOS confirmed that they found the app through the App Store’s search engine and 53% app users on Android confirmed the same.

What have been their search queries? Interestingly, as the per the data provided by the TUNE research, 86% of the top 100 keywords were brands.With little scope for non-branded categories, most of the keywords were either of games of utility apps. Common keywords in the non branded category are: games, free games, VPN, calculator, music, photo editor, and weather.

Leaving brands aside, if we analyze the user-type of a Non-branded category, we will get two types of users:

1. Users are informed, and they know what they are search

2. Users are exploring possibilities, have no precise information in mind.

If you are a mobile app development company, targeting non-branded users, then your efforts must be directed to creating apps that compel these two types of users. To do so, we have to analyze once they are on an app store, what keywords they use to search. Regina Leuwer, with expertise in marketing & communications, bring some light to the subject. She reached out Sebastian Knopp, creator of app store search intelligence tool appkeywords, who shared with her the data of unique trending search phrases. And according to that data, in 2017, there were around 2,455 unique search phrases trending in the US.

Now, if we study these data to get information, we will find that name of the app is critical to attract the attention of the users.

If your app belongs to non-branded category, then make sure your app name is similar to the common search queries but also unique in comparison with your competitors. So that when your app name is flashed, they click it on to it, finding it purposeful and compelling both.

Step 2. Installation

Remember your users are on mobile devices has limited resources, from battery to storage and RAM to Internet. Everything is limited. So better create an application that is easy to download or say get downloaded with 5 minutes. One critical advice here:

1. Keep the application file size small.

If you are a developer, use APK Analyser to find out which part of the application is consuming maximum space. You can also reduce classes.dex file and res folder that contains images, raw files, and XML.

Step 3. Onboarding

After the user has successfully downloaded your mobile application, don’t leave anything on assumptions. Guide them properly. This you can do through an onboarding process, where users can learn the key functionality and where to begin with the mobile app. Below are the 3 things you need to keep in your mind when creating an onboarding process for your users.

Short and Crisp: The entire guidance of features and functions should be completed within few seconds, with easy options loud and clear option to skip.

Precise Information: Don’t introduce them to the app. They already know what they have downloaded. The objective to inform about the key functions and features.

Allow Users to Skip: Let the tech-savvy users skip the intro. Your app is to meet their requirement and not to have a friendly session.

Step 4. Purpose and UI
Here, the stage is set for your app and it is the golden chance for you to impress your users. What is needed here is the collaboration between purpose and UI of the app. It totally depends on the problem-solving capability and ease of use of the mobile app. Interface design plays the critical role, allowing the users to access features of the apps easily and quickly to perform the task for what they have downloaded the app. When it comes to interface design, make sure that the design is interactive and task-oriented. Here are some factors that you must take care off while creating mobile app interface:

1. Usability: The Mobile phone is an epitome of convenience and if your users find it difficult to use your app, then there is no way there are going to make the space for it in their mobile phones. From screen size to the color of the app, there are many factors that are equally critical and need attention.

2. Intuitive: To create an intuitive User Interface, you have to read the mind of the users, and develop a model based on that. The next should be precise, clear and ‘obvious’ in an interface.

3. Availability: Key features should be hidden in the drop down menu or even if so, it should be obvious for the user to look into the drop-down. An intricate work of design and research is required to make essential features available for the customers and they don’t need to navigate here and there.

If you need more help with the user-interface and innovative ideas for a mobile app, write to me [email protected] and I promise to get back to you with interesting mobile app designs.