Since the early 19th century, businesses and consumers have made use of credit in the place of currency. Chhabra said he’s hearing more anecdotal reports about insurance plans simply not paying for surgical assistants, which leaves the patient stuck with the bill. Just like most business, the insurance industry is pretty open for as many people that are interested in the industry as long as you have what it takes to run an insurance firm. Even if you don’t have the finance and other requirements for starting an insurance company, you can come into the industry by starting – out as an accredited insurance broker. Demand for doulas and lactation consultants, in particular, have risen among new mothers, and both business options have relatively low overhead requirements beyond education and certificationâ€”meaning these professions could easily become one of the most profitable businesses for you to start. Here is a list of 10 things that a merchant needs to know and do in order to minimize credit card processing costs – and keep more of your business transactions. A little piece of advice: It is always best to seek the advice of a professional in this area – it costs you nothing, and you have the potential to tilt the table in your favor. As we’ve alluded to in the last step, finding capital and managing your finances is a significant part of starting your business. Even if you don’t yet have a ton of finances to manage, getting yourself set up for success can be the key to ensure that your business will be profitable. Note: There are no variable costs (cost of goods sold) with this type of entity (service business). Why are consumers not spending as much? Because many of them have lost their jobs. The unemployment rate has increased to 5 percent compared to 4.4 percent since March 2007. Over a half million people who had jobs this time last year, unfortunately, are currently unemployed. Some of them had jobs related to the sub-prime mortgage industry. Reuters News reported earlier this year that 86,071 people who worked for mortgage lenders lost their jobs in 2007. Momentum for a health care overhaul built this week after Obama obtained a pledge from medical providers to help find $2 trillion in savings over 10 years to help pay for his plan. William Miller spent two years doing little but studying the Bible day and night. In 1818, he reached the conclusion that the Second Coming of Christ would be in 25 years. But he said nothing until 1831. Then, though fifty years old and unaccustomed to public speaking, he responded to demand that he travel from town to town explaining his ideas. Churches of many denominations invited him to address their congregations. It was noted that after his appearances, liquor stores were turned into Bible study meeting rooms, gambling dens broke up; infidels, profligates, and Deists came to church, many for the first time in years.