Silver Sneakers in San Antonio, Texas: An Ultimate Guideline

Silver Sneakers in San Antonio, Texas, is a highly demanding fitness program designed for Medicare beneficiaries aging 65 to improve their physical and mental health, social wellbeing and boost community bonding. It is done by providing a series of research-based fitness plans and classes organized by highly trained workout instructors. As reported, as of now, Silver Sneakers is accessible at 16,000 gyms and fitness points all over the United States.

Silver Sneakers eligibility needs

Silver Sneakers in San Antonio has been available for all senior citizens over 65 years age who are citied one of premium class partners of Medicare Advantage. Silver Sneakers eligibility requires you to

ü Being at your 65 or it’s older;

ü You should be eligible under Medicare;

ü You should equally to be enrolled in its Medicare Advantage or Medigap plan which includes the Silver Sneakers program membership;

ü It is worth noting that you cannot get a membership under Silver Sneakers Medicare plan devoid of being enrolled in its qualifying plan;

What types of fitness sessions do Silver Sneakers in San Antonio, Texas offer?

By partnering with global class fitness centers, local distinguished gyms points, community centers and eminent healthcare providers, the Silver Sneakers program provides consistent standards of classes as stated above nationwide. Silver Sneakers provides an exceptional approach enabling seniors to stay active and get connected with forum members at the same time.

Once you get enrolled through the Medicare Advantage/ Medigap plan, you’ll require signing up to join the program and accordingly will receive a membership card imprinted with a 16-digit number. This number will allow you to have immediate entry and attend all classes as well as equipment in Silver Sneakers in Texas program.

How do the Silver Sneakers in San Antonio, Texas and Medicare work jointly in a program?

The Silver Sneakers in Texas Medicare program is outfitted with more than seventy types of fitness classes to take care of all sorts of fitness levels, and each of them is educated to its participants by industry licensed instructors. Thereby, according to your specific fitness goal, you should customize the list of programs that are finally approved by healthcare practitioners and instructors. Some of them are stated below:

ü Silver Sneakers Classic

Partaking in Silver Sneakers Classic gets you adapted to your fitness level and is offered with the use of the chair for support, provided you require it and exercises can be customized according to your ability level. No doubt, Silver Sneakers Classic is truly a specialized way to increase range of motion aside from muscle strength and brainpower that helps make your daily activities improved and easier for your well-being.

ü Silver Sneakers Circuit

The Silver Sneakers Circuit is known as a choreographed routine program and incorporates encouraging music toning with the standard of movements and standing workouts. It also involves using rubber tubing as well as dumbbells. Similar to classic, the circuit can also be adopted suiting to your fitness level.

ü Silver Sneakers Yoga

A highly demanding fitness program that demands and to attain high-level body flexibility Silver Sneakers is matchless. A certified coach guides the class via a set of yoga poses well-friendly to almost all health fitness levels. The workout session also helps lessen mental stress while increasing relaxation levels.

ü Silver Sneakers Splash

Ideally a great choice for anyone who looks for a low-impact aerobics class, Silver Sneakers Splash is organized in a shallow pool enabling you to stand-in. However, depending on its intensity level, the movement session can be individualized considering your fitness level by the instructor.

All That You Wanted to Know About Burial Insurance in Texas

Burial insurance also refers to funeral insurance that has emerged as a special category of life insurance plans aiming at providing coverage of burial costs relating to your death. After you leave for your eternal journey, your burial insurance in Texas pays benefits as per policy term to your inherit enabling them to use that money for your funeral or cremation aside from paying outstanding bills, paying debts and legal expenses, etc.Reputable insurance companies also offer burial insurances which are prepaid plans and are mainly chosen by an individual without having a family or single persons whereas such funds go directly to a funeral home as wished by the departed individual in his/her policy term. Many people who are not fully aware of what burial insurance is and its scopes can find this article as an ultimate guideline for your plan.The Type of Burial InsuranceAs a simple life insurance policy that is usually chosen for whole life and is designed to cover all funeral expenses.Is there any difference between burial insurance and the final receipt of insurance?Yes obviously. Typically, after your death, your family is paid the final amount of insurance including the burial insurance money, whereas both insurance policies are maintained as whole life insurance. However, one can opt whether or not to add burial insurance in his/her insurance policy and if its type to be prepaid paid on your death to the burial society.Great Advantages of Having Burial Insuranceü It requires no further medical test, which is a must for burial coverage.ü Blood and urine tests are not required provided you have burial insurance in Texas.ü No issues of family drama with financial issues because all expenses related to the burial have cared for the insurance provider.ü Payouts are made right away on your passing away.ü As per your wish, you can personalize the class of your burial type and further instruct to pay the insurance money directly to the cremation company that takes care of burial matters as per customs.ü With supplementary underwriting, you can make your burial procedure modified to the maximum possibility.ü Knowing that there will be no financial burden on anyone on your death, you can have great peace of mind.Burial Insurance for ElderlyIf you’re at your mid 80’s and don’t suffer from any serious medical issues, burial insurance in Texas offers your eligibility to apply for burial insurance with no hassle. All you need to do is to buy burial insurance from a company with high recognition while you can effectively personalize your policy, making it suitable for your funeral desires.What Type of Policy You Should BuyBefore buying your burial insurance, you need to know that the leading insurance provider is operational with a series of insurance plans available for their valued clients. There are two plans that burial life insurance companies offer including level plants and modified or ungraded beneficial plans.While level plans remain fixed during the whole life of the policy and clear your benefit payouts immediately after your expiry without having any waiting period, modified or upgraded benefits are specific plans that are considerably expensive. Distinguishing it from level plans, these plans will offer a certain percentage of your death benefit which increases during the first 3-5 years.

14 Reasons Why Your Home Loan Gets Rejected

14 Reasons Why Your Home Loan Gets Rejected

Not all home loan applications get approved. There are applications which may get rejected by the banks/NBFCs. The reason for rejection may vary from case to case. However we have observed the following 14 reasons why a home loan may get rejected.

1) Income Eligibility Of the borrower.

Where the income of the borrower does not suffice the required loan amount because of the insufficient income drawn by the borrower or may be due to high loan obligations. Income considered for theeligibilitycan be the combined income of all the co-applicants.

2) Age of the borrower.

Age of the borrower at the time of loan application should not be equal to more than 60 years for the salaried applicant and 65 years for self employed. Additionally a minor cannot be a co-applicant for the loan.

3) Low CIBIL score of the borrower.

A borrower’s CIBIL score which is less than the average CIBIL score of 720. Reasons for the low CRIDIT score are too many cheque bounces, EMI bounces, loan default, overdue amount on loans, outstanding unpaid amount on credit cards, poor repayment track record, etc.

4) Low CIBIL score of the co-borrower.

Irrespective of the good credit score of the borrower, the poor and low CIBIL score of the co-applicant can also reject the loan application of the borrower. An average CIBIL score of 750 and above is considered as a good CIBIL score.

5) Negative profile of the borrower.

Banks have prescribed list of the negative profile of the borrower. Such list differs from bank to banks and NBFCs. Examples of negative profile can be – a borrower who is a stock broker, chit fund manager, scrapbusinessman, film industry artist, politician, bear & bar owner, etc.

6) Black listed property.

Either the property builder falls into the blacklisted list of the banks or the location of the property is in the negative area list of the banks which they have classified into blacklisted list.

7) Non funding for NRI working in certain specific countries. List of such countries is listed by the bank which includes countries like Nigeria, Pakistan, Bhutan, Afghanistan, etc.

8) FI visit negative for the borrower & co-borrower.

The first information i.e. the FI is the physical verification that is arranged at the both loan borrower’s and co-borrower’s given residential and office addresses to confirm the facts mentioned in the application.

9) LTV (Loan to value) factor in property.

RBI has guidelines on LTV funding by bank/NBFCs in home loan which is up-to 75- 90% of the property market value.

In other words the loan eligibility of the borrower is subject to the lower of the two i.e. the income eligibility & theLTV funding on the market value of the property.

10) Property legal issue.

A legal issue in property such as no clear title, title flow query, suit filed on the property, registration & stamp duty not paid, misplaced property papers, etc.

11) Property technical issue.

A technical is the physical inspection of the property. A technical issue in the property is described as illegal construction, illegal extensions having no permissions granted from the authorities, age limit of the building + having no structural audit report, old building declared as unsafe for the tenants to reside, etc.

12) Loan End-Use not justified.

Borrower’s End-Use for borrowing the funds must be justifiable. The funds cannot be used for trading and investments in stock markets, mutual funds, business start-ups, chawl property purchase, etc.

A valid end use example can be – fund utilization for daughter’s marriage, for home renovation & repairs, children education, Business expansion, etc.

Documents may be required to justifiy the purpose of end use, like copy of agreement for the borrower purchaing a pagadi property or making a plot investment.

13) Processing fees cheque bounce.

The processing fee in home loan gets deducted upfront from the borrower’s account unlike in personal loan where it gets adjusted from the loan amount itself. If the borrower fails to maintain the sufficient balance for the deduction of the processing fees charges and also doesn’t have equivalent balance in any of his other bank accounts, the home loan application gets definitely rejected.

14) Multiple funding.

Banks have guidelines set for the multiple funding of properties purchased by the borrower under which a borrower’s application may get rejected.

Is Online Consulting the Right Online Business for You? Part I

When deciding which path is right for you in your life as far as your career goes, you should always make sure and do some investigating into whichever jobs suit your fancy, before dedicating yourself to it 100%. Most people may not be aware of it right now but online consulting is something that many of us do on a daily basis, without ever realizing it. Many people may not know what online consulting even is because of the different roles that it plays within its services. There are so many different roles that online consultants play everyday, it is very important to try and understand all of the importance that many of those roles provide. Anytime that you have the ability to influence, by helping others make their decisions, that is a online consulting role.

Once you begin to think about the many ways that your role is playing, you will be allowing yourself the ability to help with the growth, productivity and longevity of your computer online consulting business. When you expand your mind and learn how to be more open with your views you are enabling yourself to provide different types of services to your clients. Professional online consultants use a variety of their skills in order to maintain a good online consultant/client relationship. It is important to keep learning new ways to invent yourself and your role that you are playing for your clients. It is also very important to remain flexible with whatever it is your clients are expecting from your services. Sticking to the routine can be great but being open to new suggestions can be really good for your computer online consulting businesses success.

Consultants Take Away Close – Beware of BS Sales Tactics

Often consultants will tell a company, team, agency or non-profit that they can make them more efficient or effective. The company or organization will say something like, but we already are effective. Of course the consultant says: “I can make you more effective!”

You can see very quickly how this can turn into silly rhetoric and indeed it is a bit of trickery that consultants use, it is akin to a take-away close sales tactics. Indeed is it both a little bit of BS, consultant ego and forward looking projections. In fact how would the consultant know he can make them more effective or efficient before he even has a look inside their business model?

One thing that the late Dave Thomas, Founder of the Wendy’s Hamburger Chain use to say is that he would not allow anyone to give him advice unless they were a multi-millionaire or unless they had more money than he did. Interesting, and I am sure this did not mean he did not listen to his frontline employees like Ray Kroc, Founder of McDonalds always told his executives to do, but I am sure Dave Thomas was right for his way of doing things. You might even buy his book; “Franchising 4 Smarty Pants’” and quickly read through it, I hope that is the title, I just don’t remember and the book was not very good and it is simply not worth my time to look it up.

If a consultant starts bantering around buzz words or starts talking about the “Law of Effectiveness” as one would be consultant recently did with me. Ask them to prove their successes, name names, companies and show you? Ask if the consultant himself is effective? For instance what did he achieve lately? If they cannot show you, tell them to shut up and get out of your office and when they leave do not listen to their dribble about how they can make you better. Just hand them a mirror and tell them to make themselves better.

Business Consultants – Why Don’t People Listen?

So many business consultants often say that they are tired of being right all the time and wish that their clients or business associates would listen. They get upset and admit that millions of dollars were wasted because they just did not listen. One top-notched consultant from PA mentioned this to me not long ago. Indeed, as a semi-retired consultant, I must agree with her.

I also caution myself and others not to always blame the client, even though it is their fault for not listening. I remind myself that I am the mentor or consultant here, my duty was to convince the client or boss of the need for a coach, plan or adding of a team member or even arrange the meeting with a suitable one, if the boss would not take the trouble to do it.

It is my opinion that you have to take credit for the crash and burn too. It is a team effort, as a consultant I am on that team, that is what they pay me for. This is not the Donald Trump show. Remember these are humans we are talking about, and along with Murphy, well They can screw up just about anything.

You know, I am not sure if it is arrogance that is causing these problems, I think that is commonly attributed to arrogance. But some people who are not as wise use “The Puffed Up Chest Strategy” to remain in control and perhaps this is why they do not listen. You should read the “Our Inner Ape” current best seller I think.

Actually many people who appear to be arrogant or ego-maniacs, have fragile egos, they are very prone to not listening, but not all. Some are earned egos, others are borderline schizophrenic or socio-paths and how these people ever get into the business world is beyond me, but in the end people are fun to study, observe and such. As a consultant you see all sorts of things.

My consultant friend states; “It is that testosterone that gets in the way. So, now I’m frustrated. I’ve got 2000 stories like that….ego just ego and why? Because I’m a woman – I don’t know, I never play that card”

Yes, well I get the same thing too and I am not a woman, so I think the problem is on all sides of the business game. And perhaps I should remember that the most competitive games attract the most competitive men, so we have to expect this. Testosterone, indeed maybe the reason that the game is played at that high-level and that human energy transfers into innovation and drive to get it all done. I have 2000 stories also, sure I see that.

Yes women are looked down upon in certain industries still and in some circles, especially on Wall Street some of jokes get crude with regard to women. I cannot condone that, but understand that is how things are, even still, there is a ways to go before those issues are solved. Of course I would never say such things. I just like to win, I want the best team, if that team has women on it, fine – performance and victory. And if a woman is the consultant and knows her stuff, why won’t you men listen to her?

The Joys of Being a Franchise Consultant

If you have been in an industry for 20 years and were at the top 5% level of productivity and knowledge and are now semi-retired perhaps you should be a consultant. Not everyone has what it takes to be a consultant, but if you do, you will find yourself in a nice place financially by taking advantage of your expertise and knowledge.

Today, I am a semi-retired consultant to industry and having been in the franchising industry for so long I find that those are the most rewarding coaching opportunities for me. Of course it is not all good. There are some real winners out there. Luckily you can choose who you wish to do business with. My advice is to be the best, work only for the best and expect the best; let’s call it “all the best!”

Recently when discussing franchise consulting with a gentleman who wished to start a mobile franchise business making jewelry, we got to talking about past experiences and international business. No, not far off international business, just over the border in Mexico from Arizona and I mentioned the questionable ways business was done there and how some of Mexico ran like a third world country. He stated;

I was going from Phx to Mexican border town for scripts. I met this girl and found that her Father was Mayor (town w/300K), her Uncle was Chief of Police (I could do NO harm), and another Uncle,on her Mother’s side was a State Rep. I married her after a long formal courtship and bought a strip club 5 blocks from the border.
So, far as a business consultant, no real problem here, only a red flag on the strip-club thing, but still there are always reasons why people do things. I no longer wanted the job of consulting this gentleman after hearing this, but did not dismiss him as an entrepreneur by any means. But then he stated something like this;
The kids came in droves from U of A, ASU and I rolled in the bucks, even sold coke right in the club. I got a chance to buy a cantina that had a 21 room “Casa de Pu-ta”. I got the kids all pumped up at the strip club then loaded them on my jittney for the 4 mi. cross town trip to my Cantina so they could get drunk and laid. I made 3M in 4.5 years. Long story short I left my wife, three kids, mistress, and two kids 2M in trusts and took off for Tonapah, AZ where I sold land home packages until I went into an 18 day coma and almost died.
Now as a consultant and a straight arrow, you can imagine my dismay at this gentleman’s lack of personal character. Indeed, there was no way at this point I was going to help a man who left his wife and kids to set up a whore house in Mexico just over the border, with a strip-club and then sell drugs and assist American Kids in getting STDs. He then stated how he preceded to lose all his wealth and how he got a terrible disease.
Well, being a one man show, not even capable of getting out of bed for 6 mo., I lost all but 75K. Then I came down w/Buerger’s Disease and wound up on SSD, living in Escanaba, MI. Oh well, I’m still going to try to make it again if you’ll hang w/me and coach me!
Indeed the answer is “No Way” would you? And am I suppose to feel sorry for this gentleman now and help him regain his ill-gotten riches in an industry that I care about? Well, you see there are success stories in consulting and there are horror stories. And the moral of the story is “Know Your Customer” because your reputation is based on it.

Franchise Consultants and Entrepreneurial Franchisor Start-ups

In my retirement I like to keep myself available for up and coming entrepreneurs who may have questions about the industries I was previously involved with or the franchising business format that helped build my company.

Not long ago a gentleman wished to receive some consultation for a mobile business concept to franchise. After discussing this with him he said that I almost scared him away from the Franchising Industry. I told him that; “It really is not that I want to scare you out of the franchise business; just let you know some of the realities, barriers and freight trains on that track if you care to walk down it.”

He asked about various franchise consultants out there and mentioned FranCorp, which has been in the franchising sector for over three decades now. I told him as a non-corporate type Franchisor that FranCorp was not my style. As a Franchise Consultant type myself indeed I only care about winning and that means anyone I might consult takes the market by storm and holds it.

There is a much better consultant in Houston for new franchise market entrants in my opinion. He is not my style either, but he is of the highest integrity, honest and he also teaches certified IFA courses to get a CFE degree (Certified Franchise Executive). I think you can find him on the IFA website under “Vendors; Consultants.”

When picking a franchise consultant it is important to match business styles and to understand more about franchising too. I recommend that you buy the books;

Franchising 101
The Franchise Bible
Franchising 4 Smarty Pants’
Then after reviewing what some of the other companies are doing in the market place you should be able to develop and excellent business plan. This will prepare you and give you the knowledge you need to hire the franchise consultant that is right for you.

Your Perfect Business Plan

Free small business plan information to help you get started…

Everything here is is to help you write your perfect busines plan.

Free small business plan information to help you get started…

If you plan on receiving third party financing for you home business then creating a small business plan is something that you absolutely must do. Most people starting small businesses do not write out a business plan and from a academic standpoint this is large mistake.

Your business plan is in essence the backbone of your business.

You are going to need to create one especially if you plan on receiving a small business start up loan or grant. No investor will take your request for money seriously unless you can show them a viable business plan. I know you dont know where to start,Guest Posting but dont worry It should not be too tough of a task after reviewing the information found here.

You have two options when creating a small business plan: you can hire a professional to write one out for you or you can create a free small business plan by writing it yourself.

Your small business plan can be simple, all it must do is describe what your business is and where you want it go in the future.

Essential parts of a small business plan:

Title Page:

On this page you include the name of your business, your businesss address, phone number, email address, website URL, and of course your name as well as an other business owner

On the title page you should also include a one page statement explaining why you created your business plan (e.i. why you need money to start for your small business)

Table of contents:


A sentence or two about each section of your business plan to grab the attention of your potential investors.

Business Description

This section contains the who, what, when, where, why, and how of your small business. Give your companies physical location information, when your business was formed, what type of legal entity your business is formed under, and a brief description of your product or service.

Product or Service Rendered

Explain how your business operates and be as specific as possible.

Your Plan

How are you going to market your product or service? Who are you going to market your product to? Who is your existing competition? Answer these questions in this section of your small business plan.

Day to Day Operational Requirements

What will you do on a day to day basis in your business? What type of equipment will you need? Answer these questions in this section of your small business plan.


Who will be the people directly involved in your business? What will they do? If you are going to run a home business you may be the only person directly involved in your business. Explain your role, your background, and what you will have to do to run your business successfully.

Financial Data

To your potential investors this is the MOST important part of your small business plan.

The information that you must include in this section is as follows

Projected start up cost: How much money are you going to need to get your business started and what are you going to be spending that money on.
Projected income statement: How much revenue do you expect to produce in your business start up phase?
Expected profit and loss: Self explanatory
Projected monthly cash flow: Your cash flow is how much money you earn minus how much you spend.
Your personal financial statement: Self explanatory
Supporting Docs: In this section you will want to include any supporting information required for the success of your home business and anything else that directly adds as perspective to your start up plans.

Action Plan Template

If You are searching information about action plan templates then here you can get complete information about action plan template.

If a company has tons of tasks to pay attention they need a specifically devised way as to how to proceed with each one of the tasks in order to reach the expected results. That’s why Action Plan Template was devised,Guest Posting to offer the template as the work instruction as to how to accomplish things, what steps to follow for doing so, and what order to use when it comes to taking action. Action plan is an absolute necessity if you want to stay ahead of the competition and want your company’s or department’s short and long-term goals to be achieved as planned.

Types of Action Plan Templates

Emergency Action Plan Template
This is a vital template for every company in order to avoid any sort of actions or reactions which are results of a panic situation. It is a key aspect to business life for everyone to take the necessary steps, in case of emergency: let it be due to financial or outer reasons.

Corrective Action Plan Template
What to do when a correction is necessary to a certain step, instruction or configuration and how to proceed when taking action is necessary? That is what this sort of Action Plan details and instructs for, enlisting clear instructions and communication plans detailing how to proceed in what situation.

Business Action Plan Template
Business plans are essential for a company’s high success rate and a business plan template is a great assistance for all co-workers as to how to proceed in what sort of situations. Business Action Plan Templates are used as Work Instructions or SOPs by all bigger companies word-wide.

Sales Action Plan Template
This template considers sales-related planning and it’s a key element of all sales based businesses or business units. The sales action plan templates give detailed, often step – by –step instructions as to how to conduct sales, offers working methods, enlists the types of actions to take with a brief reasoning included.

Affirmative Action Plan Template
Affirmative Action Plan is a must-do for all companies with relation to governmental bodies. It means a Management Tool that is targeting to measure everything with respect to workers’ numbers and exact occupation to ensure a company is compliant with the equal opportunity governmental program. Equal Opportunity means to battle all sorts of sex or race based discrimination.

Why do you need an Action Plan Template?

To make sure everyone keeps themselves to the overall or job specific standards
Some Action Plans, such as the Affirmative Action Plan are not only required but are obligatory to be adhered to.
To make sure your company or organization is credible and compliant
To understand one’s work responsibilities
For a higher efficiency

Use and Purpose of Action Plan Template

Action Plans are like Work Instructions to ensure everyone knows exactly what to do in certain situations, at certain posts and at certain stages of a process.
To make sure everything is documented therefore it can be measured to.
In terms of any potential legal issues it’s essential to prove all actions which are documented to be taken by a certain employee, employer or other party contracted by the company.
How to create/writean Action Plan Template

The base of any action plan is the VMOSA model which means Vision, Objectives, Strategies, and Action Plans which will lead to the enlisting of the objectives. The planning group will do the design and an executive group decides on the list of objectives and on all the rest of the contents. Another key to all Action plan is the What- Who-When-What resources and Communication Plan. An Action Plan must be:


Action plan template creation is a key aspect to every company and it’s generally part of a company’s business plan and it’s in fact a documentation that enables the efficient functioning of a company in terms of every group, department and worker.