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Currently, there are a lot of perverse incentives in the health care industry. The government subsidizes health care, but through people?s employment. Therefore, if you don?t have a job, you don?t get the subsidy. Also, if you change jobs you typically suffer much in the transition. Most insurance plans are sold to HR managers who represent groups of workers. As such, individuals find it difficult to get plans that meet their specific needs. Health insurers have little purview to discriminate between the risks of different patients

Hi, I own a small business that after only 12 months trading, we have achieved very good results and extraordinary perspectives for growth although the dimension is still very small. The option is now either to continue as we are (good but slow growth because of lack of investment) or we receive an injection of cash to accelerate the process, although the problem in this case would be that, because our business is so small, the necessary investment would be too much for it. We have now been approached for somebody that has apparently lots of business experience and contacts and we've been holding meetings to discuss a possible cooperation. His profile is in the financial sector with Angel investors. Although I have some business experience, this is the first potential investor/partner I ever talked to so I need your opinion: a)Is it common that the third party speaks about the great deals he's been into but cannot give details because of confidentiality? I feel uncomfortable because of that. Should I believe everything he says without any proof? b) His plans of growth and marketing don't seem to be very developed, is that important or as long he puts money is fine? c) some friends working in banking say that you need to negotiate not only a share of profit but also a salary. This guy said that if we ask for that we were 'looking for a job', who is right? d) I'd like to see figures on how the growth will produce greater returns but he seems to be a bit diffuse or weak on that, is that normal? I expected the investor/partner to be all the time with a calculator in hand but he is not like that, e) He says that our company is too small for investors (I know that) so this would be a 'transition stage'. I gather he wants to be a partner but I don't understand why he doesn't say that. f) Finally, if he is not a trustable investor/partner, why on Earth he must be willing to waste all this time in meetings? In short, am I too suspicious, are all the investors like that when dealing with small businesses? Any idea of how this works? Many thanks.

Any lawyer that specializes in or has worked in animal law should be able to provide a template for you, otherwise try contacting local breeders or trainers as many have these provisions in their own wills and would be willing to share the important features.. . Good luck!

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