Reading Time: 8 mins
Over recent years we have seen a surge of people in the UK crowdfunding their health-care for many reasons. Here at MoneyMagpie, we are going to take a look at how to run a medical crowdfunding campaign and all that it entails.
Not having access to certain treatments and not being able to access them quickly enough (especially in the pandemic, which now has a five year waiting list for certain procedures via the NHS) has meant that more and more people are having to go private – in spite of NHS efforts to stop this – by actually paying billions to private healthcare providers themselves.
Some procedures simply aren’t available. And, as our transatlantic friends know, this is not something affordable to a large number of people. Only 11 per cent of the UK already use private healthcare and most treatments aren’t available under basic policies, leaving a huge gap in both wealth and treatments.
The Guardian reported in July this year that the UK is actually heading towards a more two-tiered healthcare system and that the “growth of a more mixed healthcare economy, in terms of both NHS treatment carried out in private sector and self-payers, is starting to normalise the idea of private healthcare.”
Previous cases of crowdfunding
Last year there was a very high profile campaign of this nature for Azaylia Cain. The daughter of former footballer Ashley Cain, was diagnosed with a very rare Leukemia (AML) and after exhausting every treatment available in the UK, he and his wife were given the horrific news that they were out of options. They did, however, find a doctor in Singapore who might be able to help, so they set up a crowdfunder to get them over there (during Covid restrictions).
Although the story had the horrific ending of them losing their beautiful girl, the crowdfunding was successful and they raised over one million pounds. Giving them, in the darkest days of their life, hope.
The same could be said last year, when the family and friends of former Big Brother contestant Nikki Graham used Go Fund Me to get emergency medical intervention and treatment for her Anorexia Nervosa. Mental Health services are incredibly difficult to access via the NHS and much like the campaign for little Azaylia, Nikki’s loved ones were faced with a desperation to do all they could to save a loved one’s life, something many people are finding themselves facing and not knowing where to turn.
The sad thing that both these stories share is that both people were just too sick to survive and in spite of people’s generous donations, both people died. In spite of the horrific endings, both campaigns surpassed their targets and both people came close to getting the treatment so desperately needed.
These were both fairly high profile campaigns, including people with celebrity and large online followings. Not everyone, of course, has access to that so we want to look at ways to give your campaign traction.How to do it?
Medical crowdfunding is in fact no different to any other type of crowdfunding, and running a basic campaign for healthcare is the same as for anything. First of all we need to pick our provider.
Who to Choose?
Each has its own benefits.
Using a big platform like JustGiving allows you to access people willing to donate outside of your immedaite friends and family group. Donations go directly into your bank account and can be with you within 6 – 10 days.
Justgiving say: “It’s free to sign up and create a Crowdfunding Page on JustGiving and at the end of your campaign, we’ll send everything you raise to you directly, minus card-processing fees.”
The fee per transaction for donations made in GBP via debit or credit card is 2.9% plus 25p. They have however given the option for contributors to cover this fee themselves so it won’t come out of the final amount.
JustGiving have done away with a 5% fee taken from the donation. Instead, they are now asking donors to add a small tip on top of their donation to keep us running and improving.
Importantly you will recieve the fees even if you don’t hit your target.
GoFundMe have the same fees as JustGiving and very similar policies. The main difference we can see is that “GoFundMe organisers don’t have to worry about falling short of their target because, unlike many similar platforms, there are no deadlines, limits or penalties for fundraisers staying live. Fundraisers remain online until you turn off donations or remove them. If you choose to, you can leave your fundraiser active indefinitely and continue accepting donations even after reaching your goal.”
On JustGiving, you have to go in and manually extend.
According to London Medical Consierge; “Across the UK, over £15.5 million has been raised in GoFundMe’s ‘Medical Illness and Healing’ category since 2010, making it the site’s most heavily utilised fundraising category. The average total amount raised by a typical medical campaign in the UK is £3,100, with the average donation to a campaign being £41.”
Other, more specialist places, like Tree of Hope use the crowdfunding model, while reaching out for help on a case by case study. While technically a charity it is a specialist way for fundgivers to give to children via a crowdfunding type platform. Their website states that “Tree of Hope is the crowdfunding charity that helps children and young people with a disability or illness by supporting their families to raise the money they need to pay for specialist care that is not freely available through the UK healthcare system.”
best practices for successful medical crowdfunding
Gather your team
Even before starting your crowdfunding campaign, try reaching out to friends or family who might be able to join your team. You may be surprised to find how supportive and enthusiastic one or two individuals you already know are about your campaign.
Also consider using social media to announce your search for help in running a campaign, as there are thousands of kind and helpful people among the masses who may be aware of the issue you’re raising money for. You may also make some new allies this way.
However you do it, reaching out for assistance could net you the help you need in running a campaign, which is not a straightforward thing to do.
When drafting your pitch, it’s generally people issues and individual stories that people are interested to read about and support: be honest about the situation that you, or the person the campaign is about, find yourself in. Again, you’ll be surprised by the kind of support that will come in from friends but also unlikely sources, either from people who are aware of the situation or complete strangers who can sympathise.
Make it visual
Photos and videos support what you’re writing and break up large blocks of text, drawing the eye towards the stories of the people and involved. People are put off by huge swathes of writing but statistically, they’ll stay to read your text once they’ve looked at your photos. A short video or two to launch the campaign, or added along the way, goes a long way in presenting you or the subject of the campaign to the people you want to reach.
Update your social media bios to show the campaign link and mention it in every tweet and post.
Post in the morning, afternoon and evening, and don’t be afraid to repost, because people are online at different times of the day.
Sharing is caring: make sure your friends, followers and family know about your campaign through an initial announcement.
You don’t have to be aggressive with your posting as people will tune out: instead, post regularly and start conversations, so that people are reminded about your campaign.
Update your campaign regularly
After a strong launch, the campaign needs to gain traction: don’t assume the first announcement will catch everyone’s attention immediately. Assume people are busy and would like to be kept in the loop. Post a few pictures a day, mention anyone who donates if they want to be mentioned, consider putting out new video content at the beginning and end of each week, and update all donors regularly with news via email: get them to sign up for this.
Use a hashtag on social media so that people can click on updates and find your specific case and all its news.
Use your social media outlets – Facebook, Twitter, Instagram – to post updates and share the campaign around. Again, statistics show that sharing on social media builds a campaign like nothing else.
Retweet any news stories and tweets your campaign is mentioned in and create a press list of everywhere you’ve been mentioned, to show the story developing.
Consider throwing an in-person event
Think of a physical place where people who may support the subject of the campaign would turn up. Let everyone connected with the person know that an event is happening using Facebook events.
The event could be free with a suggested donation, or a fixed price for everyone that goes towards the cause: you can offer to tag people on social media to show how they’ve supported you.
Have a payment point and the link to the campaign handy at the event so that people are always aware of the cause and how to contribute to it.
Consider getting in touch with local organisations and services who may come to the event or offer their services for free: great advertising for them and if it’s for a cause, many businesses may consider offering things for free.
Contact the local media outlets to cover the event online and in local papers to raise even more awareness.
Throw a post-campaign party
Your supporters will be keen to hear from you about how your campaign went.
Demonstrate your gratitude to all your supporters by holding a gathering after the campaign is over, to reward and thank your donors and let them know how far the campaign went: don’t be afraid to mention if you’re “not quite there” with the donations and need more help: you never know who may be keen to donate in person or after the fact.
If the campaign subject is able to, have them attend the event to provide an in-person update about how they’re progressing and what may be needed to continue into the future.
The Question of ethics
According to the medical journal; “Ethical concerns have been raised about medical crowdfunding, including implications for equity, resource allocation, medical decision-making, the promotion of non-evidence based therapies, platforms’ lack of transparency and corporate interests.” This means that medical crowdfunding actually implies a shortcoming in health service provision.
There is no firm evidence base for establishing answers to even the most basic questions, such as who is seeking funds, for what, where and why. Making it hard to see from existing research whether medical crowdfunding is a response to gaps in service provision, supports ‘queue jumping’ and how it relates to ‘medical tourism’.
However, what we ask is: is this really the problem of the people seeking the help?
In universal healthcare systems (like the NHS), medical crowdfunding is a feasible option when we need to finance alternative, complementary, experimental and scientifically poorly supported therapies not financed by the NHS or healthcare systems worldwide .
Original Article: moneymagpie.com
Make Money from donating your Sperm
Reading Time: 4 mins
Some see it as recreation but actually you can make a decent amount of money from donating your sperm.
Healthy sperm from donors that are considered to have good genes and an impressive education are in demand. It’s also not a difficult talk to donate.
Some people need to use donated sperm to start a family. This can be for a range of reasons.
It may be because of a man producing sperm that is of a low quality, or not enough sperm or that they carry a genetic condition that they do not want to pass on to their child.
Single women and women in same-sex couples also need donor sperm to start their own families.
You can also choose to donate your sperm to research surrounding infertility, genetic disease and fertility treatments.
how much can you make from sperm donation?
It is illegal to pay sperm donors more than their reasonable expenses in the UK.
But this doesn’t mean you won’t be compensated for your time and travel.
Sperm donors receive around £35 per clinic visit to cover their expenses.
There is sometimes more available if your expenses for travel, accommodation or childcare are higher than this.
Things you should know about donating your sperm
Here are some of the most commonly asked questions about sperm donation:
Can you donate sperm anonymously?
No – the law surrounding donation was changed in 2005.
This means that anyone conceived via the help of a donor can ask for the name of their biological father, his date of birth and his last known address when they turn 18.
Do I have any legal rights or responsibilities for children born through my donation?
Providing you donate through a licensed UK fertility clinic; you won’t have any legal rights or responsibilities to children conceived via donation.
You won’t have a say in their upbringing and no legal requirement to help with their care.
However, if you donate outside of a clinic the situation could become more difficult as you may be considered the legal father of the child.
You can read more about the laws surrounding sperm donation here.
Am I eligible to donate?
Donors should be aged over 18 and under 46.
In some special cases, an older donor may be allowed if the clinic feels it is unlikely that there will be serious consequences from the donated sperm.
You will also need to have various health checks including checking for HIV and Hepatitis. These can take up to six months.
What is the Sperm Donation process?
The clinic you work with will ask you to provide them with some personal information.
Some non-identifying information will be given to prospective parents at the time of donation.
Any children born from your donation will be able to access non-identifying information at the age of 16. When they turn 18, they can apply for your identifying information.
You will also have the opportunity to write a personal description to help potential parents make their decision
You’ll be tested for certain diseases, including serious genetic diseases before you can donate.
Clinics carefully consider the welfare of the unborn child to prevent them from developing serious medical conditions.
It is also important to tell your clinic about any problems in your or your family’s medical histories as failing to do so could lead to legal action if a child born from your donation inherits it.
The clinic you use is legally required to offer you counselling before you donate.
This is to allow you to talk through the implications of your donation and how it could affect you and your family in the future.
Before you donate you must consent in writing. You can withdraw or change your consent at any time up to the point at which your sperm is used in treatment.
You normally have to visit the clinic once a week for between 3 – 6 months to make your donation.
Once your donation has been collected it will be frozen for use in treatment, research or training.
Can I find out if my donation has been successful?
You can apply to find out if your donation has been successful. You may receive the number of children born, their gender and their year of birth.
You won’t receive any information that reveals the identity of the child.
Can I change my mind?
You can change your mind about your donation up until it is used in someone’s treatment.
This is true even if you have given consent.
What about the emotional impact of donating?
You will be offered counselling before donating to make sure you are comfortable with donating.
You should remember that at some point one or more children born from your donation may contact you and that you need to be prepared for that.
In the future, you may have a family of your own and you’ll need to think about how to broach the subject with them.
What are the next steps?
If you have decided to donate you should find a clinic that is taking on donors. You can find local clinic via this database.
MoneyMagpie are not an affiliated medical company and are in no way advertising fertility procedures. We are however highlighting that money can be made in this area and also highlighting psychological consideration.
How To Make With Online Learning
Reading Time: 3 mins
An online educator provides online courses, typically via the internet. They are in direct competition with traditional colleges and universities. The online educator may be able to provide a quality product at a lower price than that of the traditional brick-and-mortar institution. The online educator must understand their market well and what makes it tick to position themselves as experts in the field. This requires understanding current trends in education, technology, and politics. Here are ways to make money as an online educator.
Blog About Online Courses
You can make money by blogging about your online courses. You can do this on an existing blog or a new one. A blog is a website that you create to write articles. You can use your blog to write about online courses that you have made or helped create for other people. By writing about these courses, you will be able to build your reputation as an expert in online education.
Your blog will also help you attract potential students who may want to sign up for your online course in the future. Once your blog is set up and functioning, it is time to begin writing articles. It would be best if you start by writing a few articles that discuss topics related to the content of your course. You should also write some posts that discuss how others who have taken your course have perceived it or what they have learned from it. If you can, also include links to blog posts that other people have written about your course.
Create and Host a Podcast
You should consider creating and hosting a podcast on your blog if you want to start earning as an online educator. A podcast is a type of audio recording that usually lasts for a specific amount of time or is released one episode at a time. If you start a podcast, then this will allow potential students to hear what it is like to take your courses or talk with other people who have taken them. Many people listen to podcasts while driving, working out, or doing other activities on their mobile devices. This may be the perfect way for you to build your reputation as an expert in online education by helping others learn what it takes to earn money through this type of business.
Teach College Courses Online
If you are interested in earning money through online education, consider teaching college courses. Many people will pay for the opportunity to learn from experts. The rise of outsourcing in higher education means more opportunities for you to teach college courses online. If you have a college degree, this may be an excellent way to earn money in your spare time. You can either create your courses or share your knowledge by teaching others what you have learned in the classroom.
Create Your Ebooks and Sell Them
If you are interested in making money online, consider becoming an ebook author. The best way to do this is by writing about a topic that you know well. If you teach or coach others, consider creating an ebook that includes the lessons and techniques you have learned in the classroom. You can either write your ebooks or pay others to write them. You can also choose to create an ebook of checklists and other resources that can help people.
Become a Tutor
If you have a passion for teaching and helping others, consider becoming a tutor. You can either create your online tutoring business or work with an established one. If you have experience as a teacher, you may be able to start an online tutoring business by creating video lessons and tutoring students in these lessons. This is an excellent way to make money working from home.
Being an online educator requires a passion for what you are doing. If you are interested in earning money through this type of business, you should find a way to make it work for you. There are many ways to do this, so you must research each one to see which one works best for your situation.
Disclaimer: MoneyMagpie is not a licensed financial advisor and therefore information found here including opinions, commentary, suggestions or strategies are for informational, entertainment or educational purposes only. This should not be considered as financial advice. Anyone thinking of investing should conduct their own due diligence.
Original Article: moneymagpie.com
You are being charged for electronics left on standby
Reading Time: 2 mins
You are being charged for devices left on standby.
New research from provider British Gas has suggested households could save almost £150 per year by fully switching off electrical devices. Nicknamed ‘vampire devices’, these are electronic devices which continue to use power even when they are on standby.
As a result of this research, the Energy Saving Trust (EST) have suggested consumers should take time to consider which devices they can leave switched on, and which they should turn off completely in order to save money. EST have also said that costs related to individual appliances being left on standby depend on several factors, including the make and model of the item and individual use.
Brian Horn, Senior Insight and Analytics consultant at EST has suggested some practical steps consumers can take to save money. These steps include switching items off at the wall or unplugging them completely if there is no need for them to be on when not in use but switching off at the wall is fine if you need to ensure the plug remains accessible.
He suggests making your devices and electronics as easy as possible to switch off, so it doesn’t become a chore. If you have lots of electrical devices or appliances plugged into many different plugs, he says plugging them all into one extension lead is a good idea. You can then just switch off or unplug the extension lead, making it easier and quicker.
Why it matters
It may seem an obvious thing to do, but it is more important than ever to save money wherever possible. The 54% increase in the energy price cap has meant energy bills have risen to an average of £1,971 per year. With this set to soar even higher this autumn, starting to save energy now, and saving pennies where possible, could save you stress later on.
Similarly, getting into the routine of turning off items and the plug, and switching off devices wherever possible, will put you in good standing for this winter, which is set to be expensive. According to EST, 9%-16% of electricity consumed in homes is the result of appliances left on standby.
Yearly cost of appliances left on standby:
Games console: £12.17
Washing machine: £4.73
Phone charger: £1.26
Recommendations from British Gas:
Try not to overcharge your mobile phone and laptop unnecessarily.
Add devices to an extension lead that can be switched off at night.
Use smart plugs which allow you to turn off devices from your mobile phone.
As soon as your device is charged, try and get into the habit of unplugging it.
A smart meter’s in-home display can help to identify how much energy is used at different times of the day. This is useful to see where energy is wasted.
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