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Tag: Benefits

  • Here Is Why Everyone Needs Health Insurance

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    Today, healthcare insurance is one of the hottest political topics. Everyone is asking who should be able to have health insurance, what will be the costs of it, can you survive without insurance and what will be the penalty? In this article, we are going to help you know the reasons why everyone needs health insurance.

    Life is Unpredictable

    While the spontaneity of life is pleasant, know that your health and budget may be hit hard due to unpredictable circumstances. Major health illnesses like diabetes, cancer or HIV have high medical costs. If you don’t have health insurance, the cost of these medical treatments may ruin your credit rating. As a matter of fact, medical bills is one of the reasons why many people go bankrupt.

    Regardless of your circumstances, it’s important that you have insurance. You have no idea what is going to happen in your life down the road. We hope that nothing bad is going to happen in your life but it’s great to have peace of mind by signing up for an insurance policy. This will give you the peace of mind that your medical bills will be covered, and that you won’t go bankrupt.

    Maintain Your Health

    In your life, your most valuable asset is your health. Most of us take insurance as a type of financial support we get in the event of an accident or illness. However, it’s important to keep in mind that it’s equally important to maintain good health. If you eat well, you can stay in good shape.

    If you don’t have insurance, you won’t need to go to a doctor for medical checkups. Actually, a health insurance policy enables you to benefit from the “preventive care”, which is part of most plans. What you can do is see your qualified doctor for checkups and take part in other benefits like health screenings. This can help you maintain your health. Also, the insurance policy plan you have chosen can help you find out what is included.

    Reduce Your Costs

    It’s important to keep in mind that insurance providers offer special rates for doctors who are part of their network. So, if you have health insurance, you can reduce your medical costs significantly.

    Avoid a Penalty

    Aside from saving on your health care costs, an insurance plan can help you avoid a penalty as well. Today’s health insurance laws have a requirement that you should have a health insurance plan or you may have to pay a penalty for the month for which you or your partner or your tax dependants don’t show that they have the minimum coverage. And typically, this fee is based on a person or household income whichever is higher. This penalty can be avoided if you have health insurance.

    It’s important for everyone to have health insurance. After all, you have no idea what is going to happen in the future. You can enjoy the best health care provided you get the right insurance policy.

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    Source by Shalini M

    Views: 0

  • Enterpriship – The Art and Science of Entrepreneurship, Leadership, and Management

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    Every individual who starts, owns, or is a member of the management team of an enterprise, should strive to build sustainable advantage. Sustainable advantage is essential to value creation because cash flows become predictable and reliable over long periods of time. As a consequence, it is easier to plan for investments in new endeavors and to maintain contingency reserves for downturns.

    Building sustainable advantage requires proficiency in the disciplines of entrepreneurship, leadership, and management. Collectively, these three disciplines embrace “enterpriship.”

    Enterpriship is both an art and a science. Art is an occupation that requires both knowledge and skills; science is method for systematizing knowledge. Through both knowledge and skills, enterpriship provides a systematized approach to building sustainable enterprises by employing the techniques of entrepreneurship, leadership, and management.

    Entrepreneurship is a competency for starting, developing, and assuming risk for an enterprise. Leadership is a competency for aspiring, inspiring, and motivating others. Management is a competency for directing and controlling events and activities – management as a “team” has the authority and responsibility for the enterprise.

    Being proficient in all three competencies requires experience. Entrepreneurs may lack the leadership and management competencies, leaders may lack entrepreneurial and management competencies, and managers may lack the entrepreneurial and leadership competencies to build a sustainable enterprise.

    Upwardly mobile entrepreneurs have to demonstrate to investors that they can build large markets. Lifestyle business enterprise owners, such as dry cleaners, hairdressers, professional service providers, restaurateurs, and retailers, are responsible for everything in their businesses. Executives and managers in larger enterprises are under constant pressure from investors to generate quality earnings on an ongoing basis.

    The enterprise depends upon the use of all three enterpriship competencies as do the employees, customers, suppliers and investors.

    When entrepreneurs start enterprises, they tend to focus on the benefits and features of their products and/or services. Intrapreneurs, who are agents of change in established enterprises, tend to do the same thing. However, focusing on products and/or services alone is insufficient for building sustainable advantage over time.

    Without people there is nothing in business. Processes must be effective and efficient at delivering quality products and/or services conveniently. If an enterprise can’t deliver, a competitor will.

    Hence, the management team collectively must be proficient in entrepreneurial, leadership, and managerial roles that dictate successful people-oriented, process-oriented, and product and/or service capabilities.

    The entrepreneurial role is both process-oriented and product-oriented, through which innovative ideas are transformed into value at every stage of an enterprise’s development.

    The leadership role is people-oriented, through which direction is set that others will follow to achieve results – equally applicable to top-level executives, team leaders within functions, or anywhere in between.

    The managerial role is process-oriented, through which resources (time, materials, and supplies) are applied to activities to achieve results.

    These three roles embrace the planning and policy development, deployment and execution, and performance measurement activities of the enterprise. Deployment means positioning the resources of the enterprise in the best markets for its products and/or services. Execution means getting things done through people and processes effectively and efficiently.

    Unless the management team employs these three enterpriship competencies collectively to address people, process, and product and/or service capabilities, the enterprise will be unable to build sustainable advantage over time, and will ultimately decline, and maybe fail.

    If the management team can systematize building sustainable advantage through the effective and efficient use of people and processes, then there more time to spend on developing the benefits and features of products and/or services. Enterpriship provides the approach…

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    Source by Nigel Brooks

    Views: 1

  • Implementing the Character’s Emotion

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    Now that you’ve made your choices, how do you generate these emotions and make them readable to the audience? And in doing so, does the actor actually feel the emotions or simulate them? These are the questions often asked about portraying the emotion.

    It stands to reason if you want to affect the audience and move them, you, playing a credible character, must feel these emotions. But you must feel them in such a way that they are conveyed to the audience. The degree to which you feel each emotion will depend upon the method used to carry out this feat and your ability to master it.

    Actors involved in what is termed “Method Acting” use the affective memory to generate emotions. Here the actor recalls a specific event in his own life that has produced the required feeling. For example, remembering a fight you had with another student in high school could arouse the emotion of anger. Recalling the death of a close relative might generate the emotion of grief. The actor has to go back, replay the experience leading to the desired emotion, and relive those moments in his mind. Through this method, the required emotion is revived.

    There are some benefits and also some dangers in this type of emotional generation. Usually, emotions derived this way seem real and deeply moving, more so to the actor than the audience. That’s because there is a tendency to internalize these emotions so much that they are not fully evident to the viewer. The method does make producing emotions seemingly easy, but at a price.

    You will find that emotions take time to evolve naturally and resist abrupt changes when deeply seated in ones memories. This is one reason few method actors make it big in comedy. The changes come too quickly and the method actor usually lacks the required emotional agility. Likewise, the method process takes up valuable rehearsal and production time as the crew and cast wait for the actor to call up the right emotion.

    Actors using the method are likely to develop a self-indulgent feel “good” attitude which gravitates towards feelings closest to them and more comfortable for them to generate. The performance then becomes one that portrays the actor’s reality and not that of the character’s. You can see how this may stifle the actor’s imagination and limit the search for emotional truth. The method can likewise put a strain on the actor’s psyche. Using past events, some best left forgotten, can lead to situations where it affects the actor’s mental stability.

    Another danger is that of becoming bored with affected memory when repeated retakes or performances are required. There is also the possibility of being so caught up in past events one does not relate as the character.

    Another way to generate emotions is to rely on our emotional conditioning, the response to the word for each feeling, and the ability of the body to remember the resulting psychical (of the mind) and physical manifestations. This is the most simple way to produce a whole galaxy of emotions with little effort on our part. Through our childhood development, we are conditioned by the meaning of words, especially with regard to feelings. We respond to them without any conscious thought.

    Consider what happens when you are reading a good book or script. You become involved in the story and the characters. You see and feel their imaginary lives. And when you read the action description:

    She looks at his mangled body, then turns away in horror.

    The word itself is the key to what she felt. We don’t have to stop, reflect back on our own life and re-experience some past event. The response is there before we have time to think. The word itself is the signal to release all the information we have on that emotion and to invoke an immediate physical response.

    This response, while different for each person, still has common traits and a behavior that tells others which emotion is being felt. It’s almost a language in itself and a part of our non-verbal communications.

    The answer lies in the fact that in physiological terms, all emotions have similar traits. That is to say, if we were to test the breathing, heart rate, skin temperature, etc., of two people, one feeling rage and the other joy, the “physiological” signs would be similar. Only the face, gestures, and movements would signal which emotion they were actually feeling. But the flush face, the pulse and breathing rate, etc., all signifying the energy behind the emotion, would determine the size of the emotion.

    Through this process we have learned how to reach and find the emotion. But now, we must learn to nurture these feelings, making them big enough for the performance and adapting them to build credible characters.

    As we said before, emotions are feelings large enough to change your life or destroy it. They need to be powerful feelings, but all that you start with is the small sensation that the name of the emotion evokes. How can we make it bigger?

    As the word for the emotion is read, the actor feels a response centered somewhere in his body. For instance, the emotion “fear” might be felt in the stomach. For another actor, it might be in the shoulders and neck. “Suspicion” causes a response around the eyes. “Lust” in the hips or groin. “Desire” could be centered in the lips or eyes.

    For each actor, the physical response will vary. But the important thing is that the actor feels these responses and gains awareness of the physical symptoms in various parts of his body.

    How do we increase this energy level? There is a technique taught by Don Richardson, a well know TV director. It entails having the actor do some physical exercise, such as push-ups, until he’s completely out of breath. Then after a few moments, have him go directly into the scene with his intention and emotion located and his energy level at a peak. The result is astounding for the actor has no choice but to emote fully.

    The next step is to start from a totally relaxed state, retaining the selected intention and emotion, and then adding what one felt at the peak when doing the push-ups. The small emotion is now fired up by a burst of adrenaline flowing through the system as the body recalls the effect of the push-ups. The emotion is thus achieved on a large-scale as the body remembers the intense physiological state attained earlier.

    Now the emotion has to be adapted to create your specific character and make him credible. Credible emotions evolve out of the character’s perception of reality, their past experiences (emotional conditioning), and their struggles as they strive toward their goals. Character traits also play an important role in how emotions are adapted. For instance, is the person you are portraying mainly rational, mainly emotional, or a balance of the two, and as a result, would the feelings be out flowing, repressed, or even denied? Is there a great deal of inner conflict where the emotions hinder the character from attaining his objectives? What is the dynamic range of feelings, deep, shallow, explosive, etc? All these questions entail a good deal of research into creating the emotional side of a credible character.

    To assist you in this regard, I’ve compiled discussions on the various root emotions. These will aid you in adapting emotions to your specific character needs as well as improving your emotional range and awareness.

    The third way is indicating the emotions through mechanical acting. In this approach, the actor imitates the physical responses, mimicking the feelings as displayed by others.

    People often look down on mechanical acting. Yet sometimes, it becomes a necessity, either as a training or rehearsal tool exploring possible expressions and gestures, or when the actor’s capabilities cannot fulfill the complex demands of the scene. Demands such as acting style, blocking, stage business, and/or quick precise attitude and emotional changes. In such situations, producing the proper emotional illusion through a mechanical response will, at least, get the actor through these difficult moments. In addition, the director may specify certain emotional responses to attain his vision of the story, responses that may later be embellished by editing, music, and sound effects.

    In certain types of performances, particularly comedy sketches, parities, certain sit-coms, and stand up comedy, experience with mechanical acting is helpful. This is because the focus is centered on dialogue emphasis, precise timing, and clarity of attitudes. Likewise, exaggerated surface emotions have the potential to change unexpectedly while deeply felt realistic emotions lack this agility.

    This is not to say that the actor can not feel these emotions. In fact, he may feel them strongly, but the expression begins as a duplication of some physical response. Life studies, the observing of real people, nurture such emotional beginnings.

    ROOT EMOTIONS

    Root emotions are active feelings that clearly convey what is felt by the characters. They do not include happiness, sadness, sorrow, loneliness, or nervousness as these are not an emotion, but state of being. The state of being is the result of an emotion. Root emotions, on the other hand, are the cause and have the potential to affect change.

    Certain weak and complex emotions should likewise be avoided. Self-pity is weak in that it plays an effect and is often resented by the audience. Disinterest and boredom are likewise poor choices as there is no active force to motivate the character.

    Love is also a poor choice in that it is a complex emotion made up of many other feelings. Playing the feeling of love immobilizes the character rather than inviting action. A better choice would be to play a definitive emotion such as desire, lust, joy, exhilaration, or exaltation. In an unstable relationship, other emotions such as jealousy, suspicion, bewilderment, guilt, or embarrassment, along with certain other emotions, could be used. By using one single root emotion at a time, subtle shadings within the realm of love can be clarified as well as changes in the intensity.

    The emotions of the characters also plays into the psychological experience of the audience. It might be the voyeurism of spying on the character’s intimate moments. It could also be the vicarious experience of identifying with character’s situation or problems. It could also be the visceral feelings we experience as we watch the scene unfold, emotions moving us and giving us a sense of being entertained. Strong emotional choices and well-portrayed feelings, ones that connect with the viewer, can make for interesting and memorable scenes. They can help create anticipation, arouse curiosity, and hook us enough to be intrigue and involved.

    I’ve divided the most frequently used root emotions into five different categories. Each category is further clarified as to the focus of the emotion as well as the general clarifications.

    ROOT EMOTIONS

    DARK EMOTIONS (Active – Directed at or against someone, something.)

    Rage

    Anger

    Hatred

    Contempt

    Jealousy

    Envy

    SURVIVAL ORIENTED (Reactionary – Selfish – Focus usually on the expected or imagined.)

    Terror

    Horror

    Fear

    Dread

    Despair

    Grief

    Suspicion

    Apprehension

    GOAL ORIENTED (To find, to obtain, to provide – Focus usually on wants.)

    Revenge

    Ambition

    Greed

    Hope

    Desire

    Lust

    Determination

    Compassion

    Curiosity

    EGO ORIENTED (Self evaluation & result – Focus usually on masking or repressing the emotion.)

    Guilt

    Shame

    Indignation

    Intimidation

    Embarrassment

    Resentment

    BRIGHT EMOTIONS (Enjoyable – upbeat – Focus usually on the continued enjoyment.)

    Exaltation

    Joy

    Pride

    Exhilaration

    Wonderment

    Bewilderment

    In review, root emotions motivate you to fight for something, to change your (the character’s) life or destroy him (the character’s dramatic soul). To be a strong sympathetic character, always play the fighter’s side of the emotion, thinking you can win rather than loose. The physical look of one particular emotion will vary depending on the story situation, the characters, and the natural casting chemistry within and between actors.

    To further your knowledge on this subject, explore the physical sensations, sources, forms, and dynamics of the most common root emotions. Observe emotions in life as well as performances. What are the defining characteristics? Such research will also serve as a guide in stretching the clarity, strength, and polarity of your emotional repertoire.

    This chapter has covered the basic skills used in building and implementing dramatic emotions. Use these skills as tools to nurture and release the character’s true feelings, and make them readable to the audience. Most important, create emotions that serve the story, its genre and purpose.

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    Source by Erik Sean McGiven

    Views: 0

  • Choosing Wealthy Clients For Your Cleaning Business

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    Most people who go into the house cleaning business target the average income earning individuals as their target market. However, there are some who target the upper class, higher income earning individuals as their target market because they find more cleaning business opportunities on these.

    Whichever it may be, it is always up to you. However, just be sure that you determine which ones you wish to have as your target market so that you can employ the proper cleaning business marketing schemes and tools to your operations.

    The Benefits of Having Wealthy Clients as Your Target Market

    Every target market has their benefits and downsides, and so does having wealthy individuals as your clients. The benefits, however, are quite nice. Wealthy clients have big homes, estates, and even more than one home. They also have many properties like boats or yachts, for example. Some of them even may be in the hotel business or something of that sort. So basically, by having these people as your clients, you are opening more cleaning business opportunities for your company.

    If you do a great job in cleaning the client’s house, they may like your working style and hire you to clean their estates, their string of condos, or even their yachts. Wealthy clients are also people who own businesses rather than work as an employee. So if they like how you do things, they might even hire you to clean their offices, their buildings, etc… Also, they can refer you to their other wealthy friends and family who may also have their own string of properties that they’d like you to clean. If you do things well, your business will be growing at a rapid pace, and you’ll be hiring cleaning crews, staff, and personnel even earlier than expected.

    However, the downside of such is that their homes and other properties are expensive and costly and you have to be very careful when cleaning. Damages caused may cost you quite a hefty amount if you’re careless. And gaining access to their homes will be a lot stricter too. So if you can keep up with this, then you’ll be enjoying having a house cleaning business catering to wealthy clients.

    How to Get Wealthy People to Be Your Clients

    Basically, how to get wealthy people to be your clients is to go where the rich people are. To achieve this, the cleaning business marketing strategy is to join country clubs, exclusive clubs, and even business and other organizations. Expanding your network will get you to meet these people, but you’ll be keeping up with the expenses too. So which target market? It’s all up to you.

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    Source by Janice Fowler

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  • Timeshare Sales Techniques – The Statement of Intent

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    The statement of intent is an excellent sales tool for establishing a number of things right at the beginning of your sales presentation. Firstly and most importantly it is used to calm your clients down and make them feel more comfortable about being on a Timeshare or Holiday Club presentation.

    Once you have collected your clients from the reception, have them seated correctly in the warm up area and ordered their drinks, you should give them what is known in the Timeshare Industry as “The Statement of Intent”. Or “Breaking of the pact”

    Your clients are probably very nervous, either because of a past personal experience on a Timeshare presentation, or because of all the bad press and warnings they have read or heard about what happens when you attend a Timeshare sales presentation.

    The easiest way to alleviate their fears is let them know exactly what is going to happen during their presentation. People only fear the unknown. So if you let them know what to expect and in what order. They will normally calm down immediately.

    A good statement of intent should go something like this:

    “Ok John and Mary, while we’re waiting for our drinks to arrive let me tell you exactly what’s going to happen while you’re with me here today”. “Firstly I’m going to ask you to help me with a brief holiday survey about where you’ve been in the past, where you would like to go in the future, and what you’ve liked or disliked about some of the holidays you’ve taken in the past. It’s a very important part of my job as the information people like you give us, help my company to keep up to date with the ever changing holiday trends and stay ahead of the competition, then I’m going to show you around the resort and you will see why we now have so many members in my holiday club and you’ll realise the benefits that my members get from being part of such a large and well established holiday company, at the end of my presentation you will be given the option of either saying no thanks, in which case I will make sure you get any gifts you have been promised and a taxi back to your hotel, or you can choose to join the other thousands of families who said yes and are now enjoying the many benefits of being part of my club and I will make sure my manager is available to sort out the best possible deal at the best possible price, either way the choice will be yours.” “All I ask is that you allow me to do a full presentation and answer all your questions before you make your choice.” “Is that fair enough?”

    Now get all parties to agree and shake all their hands. At this point you must confirm that they are OK for time, that they’re not rushing of to meet any one in half an hour and they haven’t left Grandma alone on the beach in full sunshine.

    Apart from relaxing your clients and making them more open minded, you will have also got rid of the time problem. If they start pushing you to speed things up you can just remind them that they agreed to allow you to do a full presentation and you shook hands on it.

    Your clients will have agreed to give you at least ninety minutes. It’s up to you to turn that ninety minutes into a three hour presentation that ends in a deal!

    They won’t even notice the time if you, entertain them, win them over, and close them using the “Simple Selling Skills” you’ll be learning when you keep dropping by my site on a weekly basis.

    See you next week.

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    Source by Alan Roy Hocking

    Views: 0

  • Terminal Wealth Dispersion, Life Expectancy and Individual Retirement Accounts

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    Terminal wealth dispersion is the technical term that describes the variability of the future value of investment portfolios. This inevitable variability means that no one knows what the value of their investment portfolio will be when they reach retirement age or at any time during their retirement. And the uncertainty of individual’s life expectancies compounds this problem.

    Hedging against the risks associated with these two factors places an onerous burden on individuals. Although this hedging could result in a very comfortable retirement, if one can afford the hedge and their timing is right, the potential downside risk is so great that it may be deemed unacceptable by many individuals. So one has to ask “Do individuals really prefer to forgo a sure but modest retirement income and play the odds with their retirement savings in hopes of being very well off in retirement?”

    With individual accounts, individuals lose the benefit of the pooling of risks. The two risks that force individuals to over-save are investment risk and the risk of living beyond the average life expectancy. In both cases the outcomes, terminal wealth and life span, are highly variable. When the risks are pooled for a large number of individuals over many overlapping life spans, the average outcomes are highly predictable, which is what makes traditional pension plans work so well.

    Traditional pension plans exist, for all intents and purposes, in perpetuity. This being the case, they can build reserves during good times in the financial markets and weather the bad times, thus enabling them to make consistent payouts to retirees regardless of the timing of their retirement. Unfortunately, individuals do not get to choose their holding periods or the years of their retirement and must take whatever comes along, and what comes along might be good or it might be bad. Thus individuals must set savings goals that are sufficiently high to hedge against the risk of the average return of an investment portfolio over its holding period falling well short of that which would be expected very long term.

    The relatively short duration of individual’s holding periods leave them very susceptible to the effects of market cycles, which are notoriously unpredictable in amplitude and frequency. Being broadly diversified mitigates this risk but does not eliminate it, as it’s entirely possible for a worldwide bear market to occur during one’s holding period. Then at the end of the holding period for wealth accumulation, a second holding period begins, which will be the term of retirement, and this second holding period carries the same risks as the first, but at a time in life when there is no source of income to make up for portfolio under-performance.

    The other component of risk that individuals must hedge is the risk represented by the uncertainty of one’s life span, which means that individuals must aim even higher when setting their savings goals. The managers of large pension plans can depend on retirees living on average for only the average life expectancy of employees who reach retirement age. The average life expectancy for someone who reaches the age of 66 is currently 82 years, and 66 is currently the age when workers are eligible for full Social Security benefits, which makes it a reasonable baseline. Based on those assumptions, the average term of retirement would be 18 years and pension plans should only have to be funded to the extent necessary to cover the cost of this average term of retirement.

    Individuals, however, don’t know how long they’re going to live, so they must over-save to ensure that they don’t run out of money before they run out of time. This need to over-save is independent of the first need, thus the need to over-save is compounded, i.e., an individual needs to save enough to cover the cost of living well beyond the average life expectancy and the targeted amount of savings at retirement age must be great enough to ensure with a reasonably high level of certainty that the actual amount on hand at retirement is at least the bare minimum necessary to get by on.

    A popular estimate of the term of retirement for which individuals must plan is 30 years. Saving enough to cover the cost of a 30-year retirement is a much greater burden than saving for an 18-year retirement, but planning on a shorter retirement exposes individuals to tremendous risk. It also exposes taxpayers to tremendous risk, as individuals who outlive their savings will undoubtedly require some form of public assistance to make ends meet and are likely to become wards of the state when they become physically incapable of caring for themselves.

    An individual who bases their retirement saving on living to the age of 96 but only lives to be 82 will have forgone a lot of pleasures in life, such as travel, fine dining and better vehicles, that they could otherwise have enjoyed. But many individuals just don’t have the level of income required to support the saving rate necessary to amass the wealth required to hedge against the downside of terminal wealth dispersion and the possibility of living well past the average life expectancy. For them it’s not a matter of forgone consumption, it’s a matter of going through life with the knowledge that they are likely to spend their golden years living in abject poverty and that that will be their reward for 40 or 50 years of hard work. And it gets worse!

    Some economists now believe that within 15 years or so, given the current rate of health care inflation, 100% of Social Security benefits will be spent on medical expenses: Medicare Parts B and D premiums, copayments, uncovered expenses and medigap insurance premiums. If that becomes the case, anyone without substantial savings or a defined benefit pension will be looking for public assistance the day after they retire. Although this is probably a worse case scenario, there is a general consensus that individuals retiring today will need to set aside approximately $180,000 for medical expenses not covered by basic Medicare.

    With the situation already at this state, adding private Social Security accounts to the mix would be like throwing gas on a fire, as individual Social Security accounts carry the same risks as other individual retirement accounts. Those who have tried to kill Social Security since its inception find private accounts very appealing. But, not so coincidentally, most of them seem to be in the enviable position of not needing Social Security to support their retirement. More recently, younger workers, too, have come to oppose Social Security, but not for the same reason as the traditional opponents. Young workers may be crushed by the growing burden of Social Security and may never receive any benefits from the system. Those who oppose Social Security simply because it’s a social program should be expending their efforts on reforming it rather than killing it.

    If Social Security had been managed like a pension plan rather than the ilconceived system it is, with today’s workers paying for yesterday’s workers’ retirement, its current situation wouldn’t be so dire. Indeed, it might very well be a fully funded, functional system. CalPERS and other large public employee retirement plans have operated successfully for decades, with success being defined as being able to meet their obligations, not having an adverse effect on the financial markets, no scandalous events attributable to malfeasance by the plans’ sponsors and being free of influence from elected officials. There’s no reason that Social Security can’t also be managed in such a manner. It would literally take an act of Congress to do this, but the hardest part for Congress would be letting the system run without their interfering with its operation.

    Passing off the burden of retirement to individuals was a great deal for corporations but it’s a very poor deal for most individuals, and extending individual accounts to include the Social Security system would only make a bad situation worse. It’s not a poor deal for all individuals because there will be some who can afford to save a substantial portion of their income and whose holding periods will coincide with bull markets, thus putting their wealth in the upper range of their terminal wealth dispersion, and who also live a long, healthy life. They will be the ones who benefit from over-saving and living beyond the average life expectancy, but they may end up forfeiting a portion of their wealth in the form of taxes to support the less fortunate. I don’t believe that is what the public expects from a well-conceived system.

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    Source by Mike Kennedy

    Views: 0

  • Holistic Healthcare versus Traditional Western Medicine

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    The Western medicine community recently asked the question: Will Alternative Healthcare, a.k.a. Holistic, Metaphysical, Energy or Mind, Body, Spirit healing and Western Medicine (WM) merge? This question implies there is reason to wonder and/or we need to consider the benefits a merger might create. The consideration of merging Holistic, Metaphysical, Energy or Mind, Body, Spirit healing and Western Medicine is analogues to comparing apples to oranges. The only comparison between apples and oranges is that they are both fruit–but the comparison ends there. Holistic, Metaphysical, Energy or Mind, Body, Spirit Healing and Western Medicine is diametrically polar opposites with nothing in common, except the subject (you). I will explain.

    In order to understand the ideology of Western Medicine, you need to examine the language used by doctors and researchers. Their choice of words reveals their belief systems and the models they use to understand the way they think healing works. When observing the state of Western Medicine and the unprecedented influence of pharmaceuticals and over-the-counter (OTC) drugs, an interesting paradox arises. The drug companies claim that pharmaceuticals and OTC can do wonders for people: lower cholesterol, end clinical depression, reverse osteoporosis, eliminate allergies, cure cancer, cure MS, calm children and many other similar promises.

    If prescription or OTC drugs are so good for people, where are all the healthy medicated customers? The truth is, there aren’t, any. There’s nobody taking twelve prescriptions or OTC drugs with a clean bill of health. In fact, the more prescriptions a person takes, the worse their overall health. And if you approach the healthiest people you can find and ask what prescription drugs or OTC drugs they’re taking in order to be so healthy, they’ll give you a confused look: Healthy people don’t take prescription or OTC drugs!

    This sort of language is not uncommon from researchers in Western Medicine. They perceive the human body as a battleground on which wars are waged against invaders (viruses, bacterial infections and tumors). Beginning with the Victorian era, Western society has become addicted to quick fixes and results with no effort. Western Medicine has in some instances provided this result. When Western Medicine doesn’t produce a ‘quick fix’ result the answer is: “Sorry, it couldn’t be helped–the surgery was a success, the patient died.” It is interesting to note the AMA reports a dismal success rate–approximately 250,000 people die each year due to misdiagnosis and/or the treatment does little or nothing to improve the person’s health. In other words these people didn’t die due to an illness they died due to the wrong treatment.

    Western Medicine’s theory and doctrines fail to recognize that diseases are not separate from the person. In fact every disease can be more accurately called an expression of the patient’s lifestyle, beliefs, and energies. Cancer is not a tumor, for example: it is a systemic disorder that can only truly be cured by helping to support the body, not by attacking it with chemical bombs or knives. The tumor is merely one physical expression of the systemic disorder, and simply removing the tumor does nothing to cure the disease. The body is designed to heal itself–given it has the proper care–nutrition, herbal supplements, spiritual and emotional well-being.

    The body is designed to heal itself provided it has the proper support to do its job. Traditional Chinese medicine (TCM) is based on a concept of balanced qi (pronounced “chee”), or vital energy, that is believed to flow throughout the body. Qi is proposed to regulate a person’s spiritual, emotional, mental, and physical balance and to be influenced by the opposing forces of yin (negative energy) and yang (positive energy). Disease is proposed to result from the flow of qi being disrupted and yin and yang becoming imbalanced. Among the components of TCM are herbal and nutritional therapy, restorative physical exercises, meditation, acupuncture, and remedial massage.

    Holistic, Metaphysical, Energy or Mind, Body, Spirit healing has existed since the beginning of time amid religious beliefs and practices, along with the mystery, superstition, fear, and misunderstanding. Holistic Healing is now becoming recognized regardless of what anyone chooses to believe or think. Ask almost anyone about their spiritual well-being and they will probably tell you, “Yeah, I am a spiritual person, I go to church frequently.” Therein, the confusion arises out of the association of healing with religion. The majority of people, including religious leaders, do not understand the difference.

    Definition: “HEAL” 1. To restore to health or soundness, 2. To set right, repair, 3. To restore a person to spiritual wholeness, 4. To become whole and sound, to return to health.

    Definition: “SPIRIT” 1. The vital principle or animating force within living beings, Incorporeal consciousness. There are about twelve more elaborations mostly to do with various religious implications.

    Definition: “RELIGION” 1. Belief in and reverence for a supernatural power or powers regarded as creator and governor of the universe, 2. A set of beliefs, values and practices based on the teachings of a religious doctrine.

    Thus, based on Western Medicine’s common interpretations of how things ‘ARE’, many paradoxes are created. The resultant effect is confusion and un-wellness. The Truth, as Carl Jung and others have carefully worded in their writing, is this: Every Thing in the universe is Energy and Consciousness. How anyone thinks or feels about that Fact cannot change it. The purpose of All religions is the recognition that humans have a part of themselves that is not physical and there is a need to explore and experience this aspect of themselves. Part of the intent is to discover one’s purpose and to live in the best way possible. Another part of that goal also includes the attainment of Truth and Spiritual Wellness. However, the result of religious teachings with regard to our Spiritual health has been an abysmal failure. If the most important aspect of our being is our Spiritual self, and it has been neglected, it is a miracle we have existed this long.

    Many churches are in a state of extreme confusion in an attempt to avoid accepting the “Truth.” The greatest struggle is how to incorporate all the now known knowledge and assimilate it into the religious dogma and theology. The problem is the impossibility of reconciling the obvious flaws in most theology and doctrine. The obvious shortcomings and how political and nationalistic and other special interests and agendas have resulted in a history filled with disappointment, tragedy, confusion and religious wars.

    In many cultures it has always been thought and/or known that we are spiritual beings, the biggest exception is in western industrialized cultures that we believe we are people who happen to have a soul. Eastern philosophy believes we are a soul first, housed in this thing called a ‘body.’ The most beautiful and simple interpretation of how everything ‘IS’ can be found in the Native American tradition. “Everything in the universe is Spirit, each thing in it is of the same Spirit and it is all Connected.” This is exactly what we are beginning to understand in science and quantum physics, that everything in the universe is made of the same thing and has a consciousness about it. The two things that frustrate scientists the most is the fact that all these

    things operate across time, space and dimensions they do not yet understand, and the ability of things to operate on inter-dimensional and multi-dimensional levels. A high degree of new understanding about the science and physics of what spiritual really means is now mostly coming from independent researchers. High-tech and aerospace research physicists and scientists, all seem to have a more concise and accurate understanding of Spirit and the Spiritual than those from a theological background.

    The Reality and The Truth of Spirit–In plain language, there is only One God or Universal Energy that Is Everything. There is only One Consciousness. We are only one individuated expression of The One. All the dogma, theology and religious beliefs anyone chooses to pile on this truth is commonly referred to as Bunk. It is the lack of true knowledge and the application of these distortions, which have been the source of all emotional, physical and spiritual problems. Spirit is alive, it is something that is lived and experienced, the surest way to destroy or suppress it is to organize it and institutionalize it.

    Spiritual Experiences teach us: Everything we think or feel affects oneself and others. We need to realize every feeling–anger, fear, hate, sadness, judgment–are mind generated emotions and need to be modified or eliminated. Left to fester–anger, fear, hate, sadness, judgment, creates physical reactions. For every physical reaction, a.k.a. symptoms–i.e. colds, cancer, MS, and everything from A to Z, there is a direct link to mind generated emotions. When these mind generated emotions are eliminated and the wounds created from long term and dysfunctional expressions are healed, the physical manifestation labeled as illness by Western Medicine is eliminated.

    The bottom line is Health and Well-Being is affected by two factions–Doctors and Ministers. Doctors are trained as mechanics who work on the physical mechanism. They are in the Business of “Treatment.” They are Not Trained in the “Art of Healing”. Most doctors do not even understand the most rudimentary concepts of Healing. Most do not realize how they can produce damage and even induce death sentences on their patients.

    There is little difference in the effects produced by an intentional damaging curse or a prayer prayed improperly, bad advice or simply some random negative thought. Ministers are trained in traditional theosophical dogmatic perceptions specific to the cultural religious views they ascribe to. Most people have little concept about True Spirituality or how the universe really operates. As a consequence they convey misinformation, half-truths, superstitions and fears along with a multitude of associated damaging information into a person’s consciousness. The result of which is Confusion and Paradox–which leads to distress, disease and un-wellness.

    Both the good in our lives and the dis-eases we have are the results of our experiences, conditioning and beliefs. It is the experiences, conditioning and beliefs that are counter to our true nature that causes the damage. No matter how dire a client’s predicament seems to be, I Know if they are ‘Willing’ to do the emotional and spiritual work of releasing old habits, beliefs and forgiving, everything can be healed. The word ‘incurable’ used by Western Medicine really only means that the person can not be ‘cured’ by ‘outer’ methods and that they must Go Within to effect their healing. The condition was created as a way to cope–it came from within and can be healed from within. Reference: Heal Your Body, Louise L. Hay

    Since Holistic/Metaphysical Healthcare focuses on supporting the Mind, Body, Spirit to heal itself as it is designed to do and Western Medicine perceives the human body as a battleground on which wars are waged with chemical bombs and scalpels against invaders, how can these divergent ideologies be merged?

    The answer: They can’t be–i.e. water and vinegar doesn’t mix–it is metaphysically impossible. Likewise, it is metaphysically impossible to merge Holistic, Metaphysical, Energy or Mind, Body, Spirit healing and Western Medicine. Anyone who would consider such a merger does not understand the laws of Holistic, Metaphysical, Energy or Mind, Body, Spirit healing.

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    Source by Dorothy M. Neddermeyer, PhD

    Views: 0

  • Make Dry Ice Blasting Your Small Business Opportunity

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    What is dry ice blasting? Dry ice blasting is a form of abrasive blasting industrial cleaning that uses a solid form of carbon dioxide known as dry ice. Pellets or ice is shot through pressurized air stream of either one hose or two hose machines.

    Which system is best? Most systems today are the single hose technology. Technology using the single hose was created by the Cold Jet company in 1986. One advantage of the single hose system is that it avoids the possible dangers of a pressurized hopper by the use of a quick cycle airlock. Another advantage of the single hose system is that it has more power and you can use a longer hose.

    Making massive money! There are many ways to make money cleaning with dry ice. Many people prefer dry ice blasting for paint removal, because it is less harsh than sand blasting. Another great business opportunity is to clean food processing equipment. Because it can decontaminate surfaces that could contain salmonella and e. Coli. Dry ice can clean without residue so the environmental protection agency prefers it to many kinds of solvent based cleaners. The aerospace industry also uses dry ice blasting to sensitive equipment like clean semiconductors. Manufacturers are also a great business opportunity because cleaning with cold can be used for maintaining their equipment and can drastically reduce their down time.

    The freeze jet is just one of several different types of dry ice blasting equipment. For around $3,000 you can usually purchase a dry ice blasting machine.

    What about safety? How safe is this type of industrial cleaning? Cleaning with cold (normal pressure is -78 c(-108 f) can be toxic if the concentration is over 1%. Asphyxia can be caused because of oxygen removal so dry ice must be used in a well ventilated area.

    Safety Equipment: Typical safety equipment will include a positive pressure blast hood or helmet. Air hoses are attached to a grade D pressurized air supply, which is mandated by Occupational Safety and Health Administration (OSHA). Also using ear plugs for hearing protection is part of the usual safety equipment. Body protection usually includes gloves and overalls as well as a leather coat and chaps.

    What fees can I charge? How much money can I make in this industrial cleaning business? Total typical fees can range in the $300.00 per hour range, so it can be one of the more lucrative types of industrial cleaning.

    The Benefits of Dry Ice Blasting: This type of industrial Cleaning meets EPA, USDA, and FDA guidelines. Has less clean up of the waste material. Extends the life of the equipment. Cleans more thoroughly. Reduces or eliminates equipment damage. Provides a safer cleaning environment. Is Non-polluting and environmental friendly. Can destroy and eliminate bacterial and fungal growth.

    How can I get started? You can get started with your small business by beginning with a business plan. A business plan is a formal statement of business goals, reasons they are attainable, and plans for reaching them. It may also contain background information about the organization or team attempting to reach those goals. It should also contain a good marketing plan. Then apply for small business government grants or small business loans, so you can purchase equipment.

    Having your own business can help you to end money worries. Having a business plan is essential to having a successful small business. Knowing how to market your small business for little or no money is an important key to your business success as well. Imagine how much more profit you can have when you don’t have to budget much on advertising.

    Get colossal cash from government contracts. Companies interested in selling their products and services to the federal government (the United States General Services Administration) can prepare by fulfilling applicable requirements, and registering in the appropriate systems. Companies may also participate by seeking sub-contracting opportunities with current contract holders. The General Services Administration provides and contracts for Billions of dollars’ worth of products and services for federal agencies.

    In summary dry ice blasting can be an extremely profitable business and helps with the environment as well.

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    Source by Brian Mahoney

    Views: 0

  • CFD Trading Benefits

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    Contracts for Difference (CFD) are attractive trading instruments to many traders. This financial derivative has numerous benefits that draw the attention of amateur and expert traders. CFD trading is very flexible and an efficient alternative to traditional investing.

    Here is a list of reasons why CFD Trading is popular among traders:

    No stamp duty

    A stamp duty is a tax imposed on numerous acquisitions, including selling real estate, cars, and assets belonging to a business. Remember, CFDs give traders the opportunity to speculate on markets without physically owning the underlying asset. Since you do not own the underlying asset, you won’t have to pay stamp duty.

    Trade in both rising and falling markets

    Another solid advantage of CFD trading is that traders are not restricted to open in only one position. CFDs are very flexible financial instruments because it can make you trade in both falling and rising markets, allowing you to produce more effective strategies for more profit.

    Margin Trading

    One of the most notable aspects of CFD is that you can trade using margin. This means you don’t need to purchase the full value of an asset to open a position, you only need to deposit a fraction of the actual trade size of each transaction. For example, you have a CFD share for $100, if your broker has a margin requirement of 5% then you only have to pay $5 to open the position.

    Trading using a margin means you can multiply your profit although it is important to recognize that losses can also be multiplied in margin trading. Thus you can lose more than your initial deposits.

    Hedge Positions

    CFDs are one of the best hedging tools for traders. If you are anticipating a loss in your current position then you can limit your potential risk by using a CFD to hedge your position. For example, if you have a short position in an asset that is accumulating losses, you can open a long position to balance your losses. The long position will start to gain profits once the prices move in the upward direction.

    The foreign exchange market has numerous features that attract investors and traders alike. One notable feature of this immense market is that it is a decentralized marketplace – trading transactions don’t happen on one centralized exchange. In the Forex market, fx trading is conducted electronically or over-the-counter which means transactions happen electronically.

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    Source by Stephanie Torres

    Views: 0

  • Quick Guide to Build Good Habits and Break Bad Ones

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    Most of us find ourselves doing something that people wish we’re able to stop. Bad habits can certainly become elements of our lives, keeping us back, or annoying us (and our family members).

    Here are quick guides to build good habits and break bad ones:

    Identify The Habit You Need To Change First

    You have to notice your unfavourable habits first. You must first notice that you have a habit that you would like to improve. If you really know what that habit is, then you can deal with it. Most of us already have lots of cons that we wish to change. Don’t make an effort to attack everything simultaneously, though. Prioritize your bad habits, and choose the one to give attention to first.

    Take Small Steps

    Depending on the habit involved, small steps might be needed to be taken to be able to succeed. While some individuals are lucky when they quit smoking frosty turkey, not everyone succeeds with this technique. They could need to step back by smoking lesser cigarettes each day, or looking for other ways that could help them step back little by little. Also, in a situation whereby you wish to stop watching TV. In the event that you are being used to watching 4 hours of TV every night, it will be hard just stopping. You will need to reduce 1 hour out of the time at first. Make your changes little by little, but surely in a manner that is manageable for you if you need to help make the changes in your daily life “stick”.

    Substitute Bad Habits With Good Habits

    You’ll be more successful if you substitute a bad habit with a good habit in most cases. Many number of people replace smoking cigarette with gnawing sugar-free gum. If you want to get over a bad habit, it’s vital that you look for a good habit to substitute it with. Slowly but surely, the good habit can be your normal habit and the bad behavior will disappear.

    Try a Challenge

    Most times, it benefits to truly have a challenge when you really wish to get rid of unfavourable habits. Get one of these weeklong a challenge to start out, to see if you can do something different for a whole week. Afterwards, you can extend the challenge. Another strategy is to have a thirty-day challenge. They state that it takes twenty-one days to build up a habit, so a thirty-day challenge should help you substitute your unhealthy habit with a good one.

    After Success With One Habit, Tackle The Next

    Once you’ve acquired success with one habit, move to another on your list. Be sure you recognize your good endeavors and then consider what other bad habits you need to get gone. The fact that you have previously been successful once is likely to increase your self-assurance in your capability to move to the next habit, allowing you to substitute it faster than you did the previous habit. If you can continue with this exercise through your list such as this, it’s likely you’ll find that you truly can substitute the majority of your bad habits with good and change your overall life for the better.

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    Source by Reshali Balasubramaniam

    Views: 0