The power within is a reflection of the power without. The more you understand and leverage the power of the subconscious mind, the higher the level of success you will receive in the physical world. This is the universal law and those who grasp this idea tend to be very successful in life. In this featured article, we are going to look into the top 3 burning questions related to the power of the subconscious mind to empower you with the knowledge to start living and tapping more potential within you.
What is the subconscious mind?
Though we only have 1 mind, it can be grouped into 2 different parts: the conscious and the subconscious. The mind that usually does the logical thinking is our conscious mind, and many people have effectively used the power of the conscious mind to achieve what they want and to solve difficulties. As for the case of our subconscious mind, our subconscious mind has much much more power than our conscious mind. Intuition is one such powers of the subconscious mind. However, not many are able to utilize the full potential of the subconscious mind and some unknowingly allow trivia into their subconscious mind and thus sabotaging their own success.
What are the functions of the subconscious mind?
The subconscious mind has different jobs in our life. Its duties can be grouped into 5 areas.1. The state of our body is being balanced and maintained by our subconscious mind. This is also the reasoning behind why we heal naturally. Any kind of disease can be healed by its power. This is the basis of all kinds of alternative curative therapies.2. Subconscious mind provide a shield which protects us.3. Our subconscious mind is a bank for our memories. All the experiences of our past are stored in it.4. It behaves just like a magnet, attracting anything that corresponds to the beliefs.5. It is similar to radar. It transmits and gets information from the super conscious mind.
How can I leverage on the subconscious mind to achieve success?
Many people in this globe do not know how to use the power of our subconscious mind. Furthermore our subconscious mind has a strong effect on our conscious mind and if you can make use of the subconscious mind to guide the conscious mind to habits, behaviours you want, you are on your way to success. Hence, while it's important to prevent trivia from entering the subconscious mind, it is necessary to take daily steps to influence the subconscious mind positively. Methods to influence your subconscious mind are hypnosis, subliminal programming, spaced repetitions, affirmations and power visualizations.
These techniques are used in many behavior correction programs, such as dieting or a campaign to stop smoking. It is also used as a motivational tool; it is believed that since attitude, ambition and determination are the primary components to any type of success impressing them into the subconscious mind will usher the conscious mind to victory. These methods do work and I dare to say it again. They are not only simple but effective too to start reprogramming your mind. You hold immense and unlimited power but to use it, you need to unlock the potential of your subconscious mind. Tools such as visualization, autosuggestion, meditation are effective in developing and training the subconscious mind to attain all desires.
Thursday, January 29, 2009
Subliminal CDs For A Better You
Subliminal CDs work by sending positive affirmations into your subconscious mind, which unlike the conscious mind, is incapable of reasoning. This allows it to accept the positive messages as reality and work to ensure that it does bear fruit. Subliminal CDs helps the subconscious mind to accept the message as a mental directive, much similar to one that you may issue it through constant repetition of positive affirmations, for example. There are many different ways that subliminal CDs send the messages into your mind, the most common ones being stereo confusion, reverse messages, silent sound and binaural beats.
There has always been controversy surrounding the usage of subliminal CDs, but it has been shown that subliminal messages do play a part in ensuring positive results. The subliminal CDs are able to deliver the positive messages directly to the subconscious, bypassing the conscious mind completely. One of the biggest problems with positive affirmations is in believing that you will achieve your goal, due to the logical reasoning ability of the conscious mind. With subliminal CDs, this is no longer an issue as your subconscious mind will receive and believe in the positive affirmations.
Subliminal CDs have been used for kicking bad habits and addictions, as well as improving a person’s overall wellness. They are an effective and less costly way compared to hypnosis sessions, which are often extremely costly. It is preferred when using subliminal CDs to ensure that your body is in a relaxed state where you will be free from distractions. This will allow you to be more receptive towards the subliminal messages encouraging your mind to deal with problems, or to think more positively about yourself.
The many benefits of subliminal CDs include helping to reduce negative thoughts, as well as improving our body. The process of relaxation and focusing allows you to clear your mind of negative thoughts, and can also be used for mild anxiety, fears, weight loss, depression and building confidence. Best of all, subliminal CDs allow you to do all this at your own pace and schedule, and there are CDs suitable for any need that you might have.
For cases of mild anxiety disorders, subliminal CDs can help you to increase your self confidence and improve your self esteem. By reducing your stress level, it can also help with keeping away panics such that they no longer disrupt your life. Phobias and depression problems are also reduced, allowing you to make positive leaps forward in life.
Subliminal CDs are also suitable for children to use, and may help them with the problems that they face and yet are too shy to seek help for. There have been cases of subliminal messages helping with psychological issues such as nightmares and bed wetting. Subliminal CDs can also work to help them build selfconfidence from a young age and prevent anxiety disorders when they grow up.
Although there are many unproven misconceptions regarding the use of subliminal CDs, with a trusted source and recommendations there is really nothing to worry about. The use of subliminal CDs has many benefits, and is a valuable investment as it can make profound changes in improving your life, no matter your age.
There has always been controversy surrounding the usage of subliminal CDs, but it has been shown that subliminal messages do play a part in ensuring positive results. The subliminal CDs are able to deliver the positive messages directly to the subconscious, bypassing the conscious mind completely. One of the biggest problems with positive affirmations is in believing that you will achieve your goal, due to the logical reasoning ability of the conscious mind. With subliminal CDs, this is no longer an issue as your subconscious mind will receive and believe in the positive affirmations.
Subliminal CDs have been used for kicking bad habits and addictions, as well as improving a person’s overall wellness. They are an effective and less costly way compared to hypnosis sessions, which are often extremely costly. It is preferred when using subliminal CDs to ensure that your body is in a relaxed state where you will be free from distractions. This will allow you to be more receptive towards the subliminal messages encouraging your mind to deal with problems, or to think more positively about yourself.
The many benefits of subliminal CDs include helping to reduce negative thoughts, as well as improving our body. The process of relaxation and focusing allows you to clear your mind of negative thoughts, and can also be used for mild anxiety, fears, weight loss, depression and building confidence. Best of all, subliminal CDs allow you to do all this at your own pace and schedule, and there are CDs suitable for any need that you might have.
For cases of mild anxiety disorders, subliminal CDs can help you to increase your self confidence and improve your self esteem. By reducing your stress level, it can also help with keeping away panics such that they no longer disrupt your life. Phobias and depression problems are also reduced, allowing you to make positive leaps forward in life.
Subliminal CDs are also suitable for children to use, and may help them with the problems that they face and yet are too shy to seek help for. There have been cases of subliminal messages helping with psychological issues such as nightmares and bed wetting. Subliminal CDs can also work to help them build selfconfidence from a young age and prevent anxiety disorders when they grow up.
Although there are many unproven misconceptions regarding the use of subliminal CDs, with a trusted source and recommendations there is really nothing to worry about. The use of subliminal CDs has many benefits, and is a valuable investment as it can make profound changes in improving your life, no matter your age.
Motivation Techniques – Using Power Motivation To Stimulate Anyone To Action
In this article, I’ll reveal some amazing motivation techniques and tips to bring out the fire in anyone. With the right words and encouragement, you can make anyone passionate about a certain task or subject.
Here’s a story to clearly illustrate the power of these motivation techniques. Jason is the new coach of a basketball team. His team has won many games since he has arrived to replace the previous coach.
The players are more at ease with him and more open to discuss any concern with him. Moreover, they have become more confident and motivated to play now that he's leading the team.
Before he coached the team, they were on a losing streak. Now the team is on a hot streak and they may even have a chance to win the championship.
What is Jason's secret?
Whenever one player does something nice, Jason gives him a good name to live up to.
When a player makes good blocks or does a great job in rebounding, Jason will tell him, "Wow! Your rebounding and defense are very much like Tim Duncan. Keep it up."
When a player shoots consistently, Jason will tell him, "Super! Your sweet moves rival those of Steve Nash. Wow!"
When his team wins, he'll encourage them, "We will win one game at a time. We'll win the championship, just like the San Antonio Spurs did."
Jason’s motivation techniques are very effective. He knows how to praise his players and how to motivate them to do better. He assigns qualities and aspects that the players are inspired to adopt, even if the players don't possess those characteristics yet.
The players, on the other hand, would try their best to establish the reputation that their coach has assigned to them. They don't want to humiliate themselves by performing below the reputation that Jason has delegated to them.
These motivation techniques are powerful due to the persuasion law of expectation. Jason expects something exceptional from his players, and his players are inspired to fulfill or even exceed their coach’s expectations of them.
Whenever he needs something to be done by a player, Jason tells him, "James, you always shoot like Michael Jordan. In this play, you're going to take the game-winning shot. Let's win this!"
James feels like the MVP. He's all fired up and his coach expects him to play like Michael Jordan. James simply can't let his team down.
Sometimes Coach Jason will apply a slightly different approach.
When he expects David to defend Brian (the other team's star player), Jason will tell him, "David, you've always been a great defensive specialist. Nobody has ever stopped Brian from scoring above 20 points in any game before. Would you be able to stop him this time?"
Coach Jason issued a challenge to David. David couldn't back out now. He has to prove that he can defend Brian. He has to show everyone that he is one of the greatest defensive players ever.
This is another great motivation technique. When you give out a challenge to someone, that person will be much more motivated to prove to you that he can accomplish any task you assign to him. Moreover, he will want to enhance his reputation by trying to surpass that challenge you brought out to him.
These motivation techniques can be used in any other situations, not just in the basketball court. Remember to expect good results, assign positive qualities (even if they don’t possess those traits yet), and issue friendly challenges to get faster compliance.
Here’s a story to clearly illustrate the power of these motivation techniques. Jason is the new coach of a basketball team. His team has won many games since he has arrived to replace the previous coach.
The players are more at ease with him and more open to discuss any concern with him. Moreover, they have become more confident and motivated to play now that he's leading the team.
Before he coached the team, they were on a losing streak. Now the team is on a hot streak and they may even have a chance to win the championship.
What is Jason's secret?
Whenever one player does something nice, Jason gives him a good name to live up to.
When a player makes good blocks or does a great job in rebounding, Jason will tell him, "Wow! Your rebounding and defense are very much like Tim Duncan. Keep it up."
When a player shoots consistently, Jason will tell him, "Super! Your sweet moves rival those of Steve Nash. Wow!"
When his team wins, he'll encourage them, "We will win one game at a time. We'll win the championship, just like the San Antonio Spurs did."
Jason’s motivation techniques are very effective. He knows how to praise his players and how to motivate them to do better. He assigns qualities and aspects that the players are inspired to adopt, even if the players don't possess those characteristics yet.
The players, on the other hand, would try their best to establish the reputation that their coach has assigned to them. They don't want to humiliate themselves by performing below the reputation that Jason has delegated to them.
These motivation techniques are powerful due to the persuasion law of expectation. Jason expects something exceptional from his players, and his players are inspired to fulfill or even exceed their coach’s expectations of them.
Whenever he needs something to be done by a player, Jason tells him, "James, you always shoot like Michael Jordan. In this play, you're going to take the game-winning shot. Let's win this!"
James feels like the MVP. He's all fired up and his coach expects him to play like Michael Jordan. James simply can't let his team down.
Sometimes Coach Jason will apply a slightly different approach.
When he expects David to defend Brian (the other team's star player), Jason will tell him, "David, you've always been a great defensive specialist. Nobody has ever stopped Brian from scoring above 20 points in any game before. Would you be able to stop him this time?"
Coach Jason issued a challenge to David. David couldn't back out now. He has to prove that he can defend Brian. He has to show everyone that he is one of the greatest defensive players ever.
This is another great motivation technique. When you give out a challenge to someone, that person will be much more motivated to prove to you that he can accomplish any task you assign to him. Moreover, he will want to enhance his reputation by trying to surpass that challenge you brought out to him.
These motivation techniques can be used in any other situations, not just in the basketball court. Remember to expect good results, assign positive qualities (even if they don’t possess those traits yet), and issue friendly challenges to get faster compliance.
Spot Forex Trading Part 3: Parallel and Inverse Analysis
This article is Part 3 of a series of 9 articles dedicated to help anyone to trade the foreign exchange.
Very few spot forex traders conduct any form of parallel and inverse analysis of the major pairs and exotics to determine the best way to trade the forex on a day-to-day basis. Even though it would be nearly impossible to trade the forex successfully not knowing where the overall strength and weakness was in the spot forex across multiple pairs.
Lets look at some examples. Many people like to trade the GBP/USD they spend countless hours losing sleep waiting to trade this pair even when no trend or parallel/inverse confirmation is available. Losses occur. They could increase their odds dramatically by setting up some entry rules and examples like the ones shown below.
Only buy the GBP/USD if the GBP/CHF and GBP/JPY are strengthening as well. This would be parallel confirmation on the GBP strengthening across the board.
Only buy the GBP/USD if the EUR/USD is strengthening and the USD/CHF is weakening. This would be confirming the entry with two other pairs and across the board weakness in the USD. In either situation you have confirmed the entry with at least two other pairs. Both of these entry rules would include a stop order, and you can enhance the rules further by examining the EUR/GBP for weakness. This is inverse confirmation.
But this is not what traders do. They want to trade the GBP/USD so badly that they manufacture a trade, or the they want to use indicators, or trade the news. This is a mistake and is equivalent to betting or gambling. There is no logic to support the entry, the forex works in a logical way. Lets look at some other examples. Lets say you prefer to hold carry trades and prefer to trade the GBP/JPY, you could set up rules for entry as follows:
Only buy the GBP/JPY if the GBP is strong across the board based on parallel and inverse pairs, or only enter the GBP/JPY if the GBP/USD and USD/JPY are both strengthening somewhat or a lot. In the second scenario the GBP/JPY will slingshot upward at a very fast pace.
Or another scenario is to only buy the GBP/JPY if the EUR/JPY, CHF/JPY and AUD/JPY are all strengthening as well, in this case the USD is not in the picture because of across the board weakness in the JPY. Either way you have confirmed the entry with other pairs.
Another example would be to buy the USD/CAD only if the EUR/CAD and AUD/CAD are also strengthening.
Similar rules can be applied to any major or exotic pair and easily monitored upon entry. In the case of the three CAD pairs, if you also do a careful analysis of support and resistance, you can trade the pair with the most potential rather than just trading the USD/CAD.
But this is not what traders do, they get stuck trading the same pair and wind up justifying a trade when a trade is not there. These trade entries are not based on logic they are based on emotional needs. This leads to losses. The forex works in a very logical process and you must let the logic work for you. Stop looking at indicators and start looking at other pairs to support your entries, these are the best indicators available.
Across the board strength and weakness in groups of pairs occurs weekly in the forex. But if you search the internet far and wide you will see that it is rarely and in fact never discussed by traders, analysts, and trade planning services charging hefty monthly fees. People are too busy looking at indicators and absolutely no discussion of the market forces governing the spot forex ever occurs.
It is very rare if nearly non-existent for one forex pair to move strong without other pairs to confirm the move. This is true for any major or exotic pair. If you are stuck trading the same pairs while other pairs and exotics are making strong moves its time to look at all of the pairs every night then pick the best opportunities based on parallel and inverse analysis.
In order to trade the spot forex daily and weekly, you must analyze 15-20 pairs every day to determine the current market forces, this will lead to less entries, more logical entries, and better confirmation of entries when the movement starts. Parallel and inverse analysis is the logic behind the spot forex.
Very few spot forex traders conduct any form of parallel and inverse analysis of the major pairs and exotics to determine the best way to trade the forex on a day-to-day basis. Even though it would be nearly impossible to trade the forex successfully not knowing where the overall strength and weakness was in the spot forex across multiple pairs.
Lets look at some examples. Many people like to trade the GBP/USD they spend countless hours losing sleep waiting to trade this pair even when no trend or parallel/inverse confirmation is available. Losses occur. They could increase their odds dramatically by setting up some entry rules and examples like the ones shown below.
Only buy the GBP/USD if the GBP/CHF and GBP/JPY are strengthening as well. This would be parallel confirmation on the GBP strengthening across the board.
Only buy the GBP/USD if the EUR/USD is strengthening and the USD/CHF is weakening. This would be confirming the entry with two other pairs and across the board weakness in the USD. In either situation you have confirmed the entry with at least two other pairs. Both of these entry rules would include a stop order, and you can enhance the rules further by examining the EUR/GBP for weakness. This is inverse confirmation.
But this is not what traders do. They want to trade the GBP/USD so badly that they manufacture a trade, or the they want to use indicators, or trade the news. This is a mistake and is equivalent to betting or gambling. There is no logic to support the entry, the forex works in a logical way. Lets look at some other examples. Lets say you prefer to hold carry trades and prefer to trade the GBP/JPY, you could set up rules for entry as follows:
Only buy the GBP/JPY if the GBP is strong across the board based on parallel and inverse pairs, or only enter the GBP/JPY if the GBP/USD and USD/JPY are both strengthening somewhat or a lot. In the second scenario the GBP/JPY will slingshot upward at a very fast pace.
Or another scenario is to only buy the GBP/JPY if the EUR/JPY, CHF/JPY and AUD/JPY are all strengthening as well, in this case the USD is not in the picture because of across the board weakness in the JPY. Either way you have confirmed the entry with other pairs.
Another example would be to buy the USD/CAD only if the EUR/CAD and AUD/CAD are also strengthening.
Similar rules can be applied to any major or exotic pair and easily monitored upon entry. In the case of the three CAD pairs, if you also do a careful analysis of support and resistance, you can trade the pair with the most potential rather than just trading the USD/CAD.
But this is not what traders do, they get stuck trading the same pair and wind up justifying a trade when a trade is not there. These trade entries are not based on logic they are based on emotional needs. This leads to losses. The forex works in a very logical process and you must let the logic work for you. Stop looking at indicators and start looking at other pairs to support your entries, these are the best indicators available.
Across the board strength and weakness in groups of pairs occurs weekly in the forex. But if you search the internet far and wide you will see that it is rarely and in fact never discussed by traders, analysts, and trade planning services charging hefty monthly fees. People are too busy looking at indicators and absolutely no discussion of the market forces governing the spot forex ever occurs.
It is very rare if nearly non-existent for one forex pair to move strong without other pairs to confirm the move. This is true for any major or exotic pair. If you are stuck trading the same pairs while other pairs and exotics are making strong moves its time to look at all of the pairs every night then pick the best opportunities based on parallel and inverse analysis.
In order to trade the spot forex daily and weekly, you must analyze 15-20 pairs every day to determine the current market forces, this will lead to less entries, more logical entries, and better confirmation of entries when the movement starts. Parallel and inverse analysis is the logic behind the spot forex.
All about Forex trading broker
Forex trading broker is a person assisting you to trade in foreign currencies and accountable to give all relevant market information. It is not obligatory to have a forex broker, but in order to trade efficiently you will need one. Forex trading brokers are normally regulated by government. Only a regulated broker will make sure reliability and flexibility of your trade. These Forex brokers work on the commission or charge basis. Some brokers in the present day ask for the a small percentage from your bid/ask spread, those brokers do not have commission or fees system. An individual may be interested in executing their trade without the help of forex broker, but a normal trader with less market information, putting an effort to trade in online forex market is simple like chasing a grizzly bear with bisque spoon. As the market is competitive, your chance of success will be low with our adequate broker. These forex brokers are not centralized unlike other kinds of trading; in fact you will come across thousands of broker that put their own currency spreads, margins and prices.
If you want to deal with online forex trading market, it is must to have a forex broker. It is 24 hour market and you might not be able to handle it alone. Your forex broker will offer you 24 hour support. It is simple – you may carry out trade at 4am in the morning, but that might be the time of good trading and he may support you simultaneously. It is understood that choosing a forex broker is indispensable, but be careful while choosing one. Do not be in a hurry, check out few options around. It is good to have a demo account opened at first to confirm on the working of forex broker and foreign exchange market as well. There are few factors to be considered when choosing forex broker and they are as followed:
• Consider broker only with the required qualification. Do not forget to check all his degrees well in advance. • In you are in United States then avoid not registered broker. • Choose forex broker that offers low spread trade, as broker charge their fee depends upon the spread so better to have broker with lower spread. Good to go with fixed spreads. • Ask the broker if he is willing to provide technical comments, financial calendar, and able to do market research.• Broker must have up-to-date information on the market structure and should be willing to work with on the flexible timing.• Must have complete knowledge about margin and spreads – go with some experienced person. • Go with the brokers that offer lower leverages, it is the amount of bucks that he would lend you to trade forex. So with low leverage you will have low risk in this market. • How much margin is he willing to offer you?• Do a careful research of the broker, avoid if he is involved in any blacklist or other delegations. • Check out the client history and evidence. • Have a complete talk on the commission system, better to have a written agreement. • Must have good reputation within the forex industry.• Your forex broker must know the rules and regulation of the government. • Ask all the questions well in advance if you have any to avoid frauds. • Do some of the paper work and research how your broker works in the running market.• Best is to go with the references, check out with your office colleagues or friends and relative if they know some honest forex trading broker. • Do not rely on brokers words; ask for the references where he has by now worked.
If you want to deal with online forex trading market, it is must to have a forex broker. It is 24 hour market and you might not be able to handle it alone. Your forex broker will offer you 24 hour support. It is simple – you may carry out trade at 4am in the morning, but that might be the time of good trading and he may support you simultaneously. It is understood that choosing a forex broker is indispensable, but be careful while choosing one. Do not be in a hurry, check out few options around. It is good to have a demo account opened at first to confirm on the working of forex broker and foreign exchange market as well. There are few factors to be considered when choosing forex broker and they are as followed:
• Consider broker only with the required qualification. Do not forget to check all his degrees well in advance. • In you are in United States then avoid not registered broker. • Choose forex broker that offers low spread trade, as broker charge their fee depends upon the spread so better to have broker with lower spread. Good to go with fixed spreads. • Ask the broker if he is willing to provide technical comments, financial calendar, and able to do market research.• Broker must have up-to-date information on the market structure and should be willing to work with on the flexible timing.• Must have complete knowledge about margin and spreads – go with some experienced person. • Go with the brokers that offer lower leverages, it is the amount of bucks that he would lend you to trade forex. So with low leverage you will have low risk in this market. • How much margin is he willing to offer you?• Do a careful research of the broker, avoid if he is involved in any blacklist or other delegations. • Check out the client history and evidence. • Have a complete talk on the commission system, better to have a written agreement. • Must have good reputation within the forex industry.• Your forex broker must know the rules and regulation of the government. • Ask all the questions well in advance if you have any to avoid frauds. • Do some of the paper work and research how your broker works in the running market.• Best is to go with the references, check out with your office colleagues or friends and relative if they know some honest forex trading broker. • Do not rely on brokers words; ask for the references where he has by now worked.
Survive Forex Drawdowns With A Money Management Plan
It can be very tempting to whip your credit card out of your wallet in order to take advantage of a great opportunity for a trade in your top Forex trading system. However, prior to taking that credit card out, consider that without sensible money management you could empty your account faster than you realize.
No form of investment is a guaranteed money maker and Forex is no exception. In fact due to the quantity of leverage given to traders and investors in the Forex market, greed can quickly take over and all commonsense is thrown out the window. Professional investors and traders realize that many of their trades, even up to half of their trades, will not make money. The reason why they are prosperous is that they have a appropriate money management plan so when they do lose it doesn't empty their account.
In any Forex trading system, there will be a drawdown. The trouble is, we never really know when the drawdown will begin. If a Forex trading system proves it is 80% successful, that means approximately 20 out of every 100 trades won't be prosperous. If those 20 trades all happened in a row (yes, it can happen!) your investment funds could be completely emptied if you are not using sensible money management and you wouldn't be able to continue trading the system for the next 80 potentially profitable trades.
Some aggressive Forex traders claim that the best way to accumulate large profits rapidly is to risk more of your money. While this may be true, it's also the fastest way to lose all your money and should really be considered as gambling. There are a lot of stories around about those that made their first million trading Forex and then lost it. The most successful Forex traders and investors did not get rich fast, they took a slow and steady approach and learnt to make money trading Forex for the long-term.
An experienced Forex trader only risks a low percentage of their trading money on each trade. The profits will not be as large as those of the aggressive trader, but when the drawdown arrives, the Forex trader practising sensible money management will be more prepared to weather the storm.
Sure, building up capital slowly is not an exciting plan. But, you're in the Forex market to make consistent profits, not for the excitement. If you're not using sensible money management when investing and trading the Forex market, you are downright gambling. Even professionals that earn a living playing poker and other casino games use some variety of money management system. They realize that they can't win every single tournament or game they enter, so they only risk a low amount of their bankroll on each one. This allows them to bounce back much more quickly when a losing run hits.
In summary, don't let the promise of making money rapidly let all commonsense be dismissed. Trading Forex is not a way to get rich rapidly, it's an investment option that can generate consistent profits for those who practise sensible money management.
No form of investment is a guaranteed money maker and Forex is no exception. In fact due to the quantity of leverage given to traders and investors in the Forex market, greed can quickly take over and all commonsense is thrown out the window. Professional investors and traders realize that many of their trades, even up to half of their trades, will not make money. The reason why they are prosperous is that they have a appropriate money management plan so when they do lose it doesn't empty their account.
In any Forex trading system, there will be a drawdown. The trouble is, we never really know when the drawdown will begin. If a Forex trading system proves it is 80% successful, that means approximately 20 out of every 100 trades won't be prosperous. If those 20 trades all happened in a row (yes, it can happen!) your investment funds could be completely emptied if you are not using sensible money management and you wouldn't be able to continue trading the system for the next 80 potentially profitable trades.
Some aggressive Forex traders claim that the best way to accumulate large profits rapidly is to risk more of your money. While this may be true, it's also the fastest way to lose all your money and should really be considered as gambling. There are a lot of stories around about those that made their first million trading Forex and then lost it. The most successful Forex traders and investors did not get rich fast, they took a slow and steady approach and learnt to make money trading Forex for the long-term.
An experienced Forex trader only risks a low percentage of their trading money on each trade. The profits will not be as large as those of the aggressive trader, but when the drawdown arrives, the Forex trader practising sensible money management will be more prepared to weather the storm.
Sure, building up capital slowly is not an exciting plan. But, you're in the Forex market to make consistent profits, not for the excitement. If you're not using sensible money management when investing and trading the Forex market, you are downright gambling. Even professionals that earn a living playing poker and other casino games use some variety of money management system. They realize that they can't win every single tournament or game they enter, so they only risk a low amount of their bankroll on each one. This allows them to bounce back much more quickly when a losing run hits.
In summary, don't let the promise of making money rapidly let all commonsense be dismissed. Trading Forex is not a way to get rich rapidly, it's an investment option that can generate consistent profits for those who practise sensible money management.
Factors that Affect Forex Trading
There are several external factors that affect Forex currency trading. These factors include trade reports, GDP, unemployment, international trade, manufacturing etc. The growth or decline in these factors affects a country’s currency value.Foreign exchange is a continuous global market, providing a 24-hour market access to its players. Since it is open only 5 days a week, so weekend is the closing period. Although foreign exchange is the most liquid of all markets, the fact that it is an international market and trading 24-hours a day, the time of day can have a direct impact on the liquidity available for trading a particular currency. The major centers and time zones are that of Sydney, Tokyo, London, and New York. Therefore, forex alerts must consider which players are in the market, since in the modern interconnected financial world, events that occur at any hour, in any part of the globe, can affect some or all parts of the investment community. In forex trading, you are not ignorant like one remains in stock for a considerable period of time about the news affecting the liquidity of a stock. In stock market, you come to know about inside trading, revision in earnings only after the market has reacted upon it.But in forex currency trading, this is not the case. Here you get various forex signals. Significant information affecting a particular currency becomes known to everyone in the trade instantaneously. There isn’t anything as insider trading in a forex market. There are many online forex trading startegy sites. They all maintain a global economic calendar. This calendar indicates the major forthcoming economic, financial and business related events all over the world and which can have important bearing on foreign exchange market. What you have to do is to keep a track of all important events and news. Certainly, it will not be an easy task to watch constantly all the factors affecting foreign exchange trading market. They change in importance over time and condition. But the information is available to anyone and for use to one’s benefit. A currency trader has got a chance to react immediately to any new information.Unlike stock market, another important advantage forex trading offers is that you can do foreign currency trading almost from anywhere from the world. There are so many online forex trading signal platforms available to get instant information and to act within time. Most important GDP figures that affect forex trading are of USA, Japan, Canada, Australia and Britain. China is also expected to be a major force in online paper trading in near future.Central banks play a significant role in the forex market because they have the responsibility of changing the country’s “base” interest rate. A central bank has to maintain growth in the economy in accordance with inflation, so it creates a good balance in interest rates. The bank’s decisions on whether to raise, cut, or hold the interest rate fuels speculation in the forex market, where the value of a currency, or group of currencies, changes in real time. Natural disasters, terrorist attacks, and militarily actions in a sensitive region can have a significant impact on the forex market as they create a disturbance in the world.
Bankruptcy Information and Bankruptcy Advice – Know More About It!
Opting for bankruptcy is often viewed as very shameful and appalling. Overburdened debtors believe that it is a point of no return. We will help you look at the positive outcome of opting for bankruptcy! Our bankruptcy information and advice will clear all the doubts and fear which prevent you from availing a bankruptcy loan.
Bankruptcy Advice – Offering the Right Solution!
Make use of the bankruptcy advice to know about the procedures before taking the plunge. It helps you to get a fair idea of what you are getting into and ways to overcome bankruptcy. You can seek help on bankruptcy online too. This not only saves your time but also helps you avail bankruptcy loans quickly. Know more about bankruptcy alternatives as they help you to arrive at the desired choice with multiple benefits. Bankruptcy loans are best suited for people who have legally declared themselves bankrupt. They are an effective tool to overcome bad credit and gradually improve your financial situation too.
Bankruptcy Alternative – Look into Your Options!
Credit Counseling – Credit counseling agencies take upon the responsibility to deal with your creditors on your behalf. They will also discuss with your creditors on lower interest rates and easy repayment options which suit your financial situation.
IVA – Individual Voluntary Arrangement or IVA acts as a legally binding arrangement between you and your creditors. The Insolvency Practitioner (IP) takes up the responsibility to set up your IVA as well as negotiates with your creditors on a single monthly payment. They help you get a low interest rate and be debt free in 5 years or less. You are immediately protected against any action from your creditors. The best thing is that upon the termination of your IVA the remaining debt will be written off.Consolidation Loans - Consolidate your debts into one consolidated loan for easy and manageable monthly repayment option. Avail the benefits of a lower interest rate and speed up the process of repayment. Informal Arrangement with Your Creditors – A debtor can even opt for an “Out of Court Settlement” with your creditors to negotiate on a lower amount. You can even negotiate for longer payment duration. Filing for bankruptcy may not necessarily be a very bold decision. However, it may be just the right solution for your kind of financial situation. Applying for bankruptcy carries its own benefits as it gives you a second chance to improve your credit and build on goodwill. So, keep up your hopes!
Bankruptcy Advice – Offering the Right Solution!
Make use of the bankruptcy advice to know about the procedures before taking the plunge. It helps you to get a fair idea of what you are getting into and ways to overcome bankruptcy. You can seek help on bankruptcy online too. This not only saves your time but also helps you avail bankruptcy loans quickly. Know more about bankruptcy alternatives as they help you to arrive at the desired choice with multiple benefits. Bankruptcy loans are best suited for people who have legally declared themselves bankrupt. They are an effective tool to overcome bad credit and gradually improve your financial situation too.
Bankruptcy Alternative – Look into Your Options!
Credit Counseling – Credit counseling agencies take upon the responsibility to deal with your creditors on your behalf. They will also discuss with your creditors on lower interest rates and easy repayment options which suit your financial situation.
IVA – Individual Voluntary Arrangement or IVA acts as a legally binding arrangement between you and your creditors. The Insolvency Practitioner (IP) takes up the responsibility to set up your IVA as well as negotiates with your creditors on a single monthly payment. They help you get a low interest rate and be debt free in 5 years or less. You are immediately protected against any action from your creditors. The best thing is that upon the termination of your IVA the remaining debt will be written off.Consolidation Loans - Consolidate your debts into one consolidated loan for easy and manageable monthly repayment option. Avail the benefits of a lower interest rate and speed up the process of repayment. Informal Arrangement with Your Creditors – A debtor can even opt for an “Out of Court Settlement” with your creditors to negotiate on a lower amount. You can even negotiate for longer payment duration. Filing for bankruptcy may not necessarily be a very bold decision. However, it may be just the right solution for your kind of financial situation. Applying for bankruptcy carries its own benefits as it gives you a second chance to improve your credit and build on goodwill. So, keep up your hopes!
Chapter 13 Bankruptcy What Should I Do
Being so much in debt that repaying your debts becomes well almost impossible is something that many people find them facing and which leaves them with no alternative but to file bankruptcy in order to get their financial situation back on track. However, as good as it may seem that filing bankruptcy will help you out of such financial mess, it can also lead to much confusion in your mind trying to figure out what is Chapter thirteen bankruptcy and how does it differ from chapter seven bankruptcy. First thing to remember when filing bankruptcy is that is now no longer a state matter its now a federal matter. If you have creditors going after you this will all go away when the bankruptcy is file all you have to do is giving them a bankruptcy filling number and by law they have to stop calling you and start talking to the bankruptcy courts.
Understand What Bankruptcy Is
However, before looking at what Chapter 13 bankruptcy is, it would be necessary to first understand the meaning of bankruptcy itself. Bankruptcy is a legal process filed in a law court with the intention of eliminating debts and provides the individual or business that is filing bankruptcy with relief from having to pay off the debts, and thus can make a new start in life.Chapter 13 bankruptcy may cost you about one hundred and eighty-five dollars to file and it is commonly also referred to as reorganization bankruptcy and such a form of bankruptcy is generally filed by persons that wish to eliminate their debts in three to five year’s time. Under Chapter 13 bankruptcy, individuals can keep part of their possessions and also have a means to finance some of their day to day expenses while at the same time still have some money left over to pay off their debts.If you want to pay off your chapter 13 bankruptcy early there are a few things that you need to know. First the question will come to you of how did you get money to do this, second make sure that this money where disclosed in the Chapter 13 when first filling the papers. Makes sure its not an income that you forgot to disclose. If its not then go ahead an pay off your Chapter 13 early.So, when you decide on filing Chapter 13 bankruptcy, you will need to present your petition for bankruptcy in which you need to list your schedule of liabilities and also assets. And, following the filing of Chapter 13 bankruptcy, you need to provide a plan for repayment of debts which has already been reviewed by creditor’s to see that it does indeed satisfies their requirements.
Filing Chapter 13 bankruptcy is beneficial to you if you want to hold on to some possessions including your home, and in fact, filing for this kind of bankruptcy can, under certain circumstances, prevent foreclosure and such an instance is known as automatic stay which will give you time to catch up on your outstanding debts. It is only after you still cannot meet your debt obligations in the period of reorganization that your home will be foreclosed.
Understand What Bankruptcy Is
However, before looking at what Chapter 13 bankruptcy is, it would be necessary to first understand the meaning of bankruptcy itself. Bankruptcy is a legal process filed in a law court with the intention of eliminating debts and provides the individual or business that is filing bankruptcy with relief from having to pay off the debts, and thus can make a new start in life.Chapter 13 bankruptcy may cost you about one hundred and eighty-five dollars to file and it is commonly also referred to as reorganization bankruptcy and such a form of bankruptcy is generally filed by persons that wish to eliminate their debts in three to five year’s time. Under Chapter 13 bankruptcy, individuals can keep part of their possessions and also have a means to finance some of their day to day expenses while at the same time still have some money left over to pay off their debts.If you want to pay off your chapter 13 bankruptcy early there are a few things that you need to know. First the question will come to you of how did you get money to do this, second make sure that this money where disclosed in the Chapter 13 when first filling the papers. Makes sure its not an income that you forgot to disclose. If its not then go ahead an pay off your Chapter 13 early.So, when you decide on filing Chapter 13 bankruptcy, you will need to present your petition for bankruptcy in which you need to list your schedule of liabilities and also assets. And, following the filing of Chapter 13 bankruptcy, you need to provide a plan for repayment of debts which has already been reviewed by creditor’s to see that it does indeed satisfies their requirements.
Filing Chapter 13 bankruptcy is beneficial to you if you want to hold on to some possessions including your home, and in fact, filing for this kind of bankruptcy can, under certain circumstances, prevent foreclosure and such an instance is known as automatic stay which will give you time to catch up on your outstanding debts. It is only after you still cannot meet your debt obligations in the period of reorganization that your home will be foreclosed.
Bankruptcy Is Not The End Of The World
Bankruptcy is not an easy process, its consequences are undoubtedly negative if you want to get finance in the near future but it is definitely not the end of the world. Getting finance after bankruptcy though hard, is possible as long as you can show that things have changed after your bankruptcy has been discharged.
Undoubtedly, lenders consider a bankruptcy in your credit report to be a terrible sign that speaks about your credit behavior. For them, it means that you were not able to honor your obligations and you had to resort to filing for bankruptcy in order to get discharged from your debts.
You need to convince them otherwise, however, speaking, pleading or begging won’t take you anywhere. You have to show them that your credit behavior has changed with facts. Your credit report has to show that since bankruptcy was discharged, your financial behavior was impeccable. If you can do so, then chances are that you will be able to get finance.
Bankruptcy Loans
There are bankruptcy loans available for those who are in financial difficulties like the explained above. These loans are specially tailored so the lender is confident that the borrower will be able to repay the loan. The loan amounts are not as high as in other situations and though the interest rate will be undoubtedly higher, the repayment program might be longer so as to keep the monthly payments low and affordable.
The main purpose of these loans is to help the borrower reestablish his credit and finances. Thus, don’t expect the kind of money you need to start a business or buy a car. Nevertheless, if time has passed and you’ve been able to raise your credit score by paying all your bills on time, you may be able to request a secured loan like a mortgage loan or car loan and get approved. You’ll probably need, however, to provide a co-signer and put money down in order to get approved. Truth is that getting approved has to be more difficult for those who have gone through bankruptcy than for other people because the lenders need to make sure that you are able to make more sacrifices this time in order to fulfill your obligations.
When And How
You’ll probably have to wait for at least two years since your bankruptcy has been dismissed in order to successfully apply for a bankruptcy loan and get approved. However, since different lenders have different requirements, there is not a common agreement on this issue among lenders, some require more time, others less. The key to getting approved is your credit score and not the mere passing of time. If you’ve already been able to re-establish your credit or at least raise it from the depression that bankruptcy implies, it is more likely that lenders will want to consider your application.
In order to find a lender, you just need to search the net for online bankruptcy loan lenders. There are many online companies offering this service and there are even others offering access to many different lenders to choose from which will increase your possibilities. Just make sure to prepare yourself before applying, don’t worry about what to say, worry about improving your credit report as it will speak on your behalf.
Undoubtedly, lenders consider a bankruptcy in your credit report to be a terrible sign that speaks about your credit behavior. For them, it means that you were not able to honor your obligations and you had to resort to filing for bankruptcy in order to get discharged from your debts.
You need to convince them otherwise, however, speaking, pleading or begging won’t take you anywhere. You have to show them that your credit behavior has changed with facts. Your credit report has to show that since bankruptcy was discharged, your financial behavior was impeccable. If you can do so, then chances are that you will be able to get finance.
Bankruptcy Loans
There are bankruptcy loans available for those who are in financial difficulties like the explained above. These loans are specially tailored so the lender is confident that the borrower will be able to repay the loan. The loan amounts are not as high as in other situations and though the interest rate will be undoubtedly higher, the repayment program might be longer so as to keep the monthly payments low and affordable.
The main purpose of these loans is to help the borrower reestablish his credit and finances. Thus, don’t expect the kind of money you need to start a business or buy a car. Nevertheless, if time has passed and you’ve been able to raise your credit score by paying all your bills on time, you may be able to request a secured loan like a mortgage loan or car loan and get approved. You’ll probably need, however, to provide a co-signer and put money down in order to get approved. Truth is that getting approved has to be more difficult for those who have gone through bankruptcy than for other people because the lenders need to make sure that you are able to make more sacrifices this time in order to fulfill your obligations.
When And How
You’ll probably have to wait for at least two years since your bankruptcy has been dismissed in order to successfully apply for a bankruptcy loan and get approved. However, since different lenders have different requirements, there is not a common agreement on this issue among lenders, some require more time, others less. The key to getting approved is your credit score and not the mere passing of time. If you’ve already been able to re-establish your credit or at least raise it from the depression that bankruptcy implies, it is more likely that lenders will want to consider your application.
In order to find a lender, you just need to search the net for online bankruptcy loan lenders. There are many online companies offering this service and there are even others offering access to many different lenders to choose from which will increase your possibilities. Just make sure to prepare yourself before applying, don’t worry about what to say, worry about improving your credit report as it will speak on your behalf.
How to claim back Mortgage Exit Fee and Mortgage Arrears Penalties?
If, after a few years of taking a mortgage you choose to pay it off or switch to another provider, you will be charged a fee. This is commonly known as a Mortgage Exit Fee and is seen as a penalty for early release or early redemption. It is said to be a necessary charge to cover staff, legal and administrative costs etc. There can be little argument against such a method of charging if the exit fee is fair and levied to cover costs of general paperwork and administration. However, it is evident that lenders and mortgage providers are charging exit fees which are unreasonable and unfair. The fee penalty is much higher than the actual cost incurred or in the implied term of contract. Some lenders in the UK have charged almost three times the amount of what would be classed as a ‘fair’ charge and a recent example is the Alliance and Leicester building society which imposed a mortgage exit fee of almost £300.
What is Mortgage Arrears?
It is a common tale that many people fail to pay their mortgage repayments due to personal problems or financial constraints. Emergency and unexpected commitments can often throw a scheduled repayment plan into complete chaos. In such an eventuality lenders often impose heavy penalties or even may go to the extent of repossessing your home if repayments are repeatedly not met. If you have difficulty paying your mortgage due to any reason, it is vital to talk to the lender and negotiate the mortgage or arrange a payment plan. Failure to keep up repayments would almost certainly result in heavy penalties which are slapped on to cover the administration costs of arranging paperwork and handling other matters. Naturally, the lender is entitled to charge for drafting a letter or making a phone call but to charge £30-£40 for simply giving you the joyous news that you that you are behind with your monthly repayment is nothing short of scandalous. Consequently, these charges add up over time and can worsen the financial situation. Home owners head deeper into debt trying to keep heads above water and there is no doubt that additional penalties simply add more salt into the wounds.
How to claim back?
The Financial Services Authority declared that such charges are unfair and highly excessive. The basis of such findings are based on the same lines as unfair bank or credit card default charges which the Office of Fair Trading (OFT) has concluded are legally unfair in terms of the Unfair Terms in Consumer Contract Regulations. In other words, a charge will not be fair if it exceeds a lender’s actual administrative costs. For years, people have simply taken additional charges and penalties on the chin and swallowed the pain. It is vital that consumers fight for their rights and ask for a refund of penalties and all charges. You can claim back these unfair charges yourself but there are always pitfalls in trying to fight big financial institutions with standard complaint letters. In such cases it is always worth seeking professional help from claims specialists who understand the way to get past the stubbornness of compliance officers who will naturally defend claims. Consumers who have their claims rejected should remember that there is also Financial Ombudsman Service (FOS) which adjudicates on disputed claims. However the FOS will not assist consumers present their cases. How you put your argument is very much down to you and once again it might be worth having specialist help to undertake all the necessary work. Unlike bank charges, it is possible to claim back mortgage penalties going as far back as 12 years. (as opposed to 6years on bank charges). Even if you no longer have a mortgage or have changed lenders they can still be claimed back. Consumers have had a rough ride for years and had enough punishment inflicted on them. So why are you waiting? It is your money and it is definitely worth fighting for.
What is Mortgage Arrears?
It is a common tale that many people fail to pay their mortgage repayments due to personal problems or financial constraints. Emergency and unexpected commitments can often throw a scheduled repayment plan into complete chaos. In such an eventuality lenders often impose heavy penalties or even may go to the extent of repossessing your home if repayments are repeatedly not met. If you have difficulty paying your mortgage due to any reason, it is vital to talk to the lender and negotiate the mortgage or arrange a payment plan. Failure to keep up repayments would almost certainly result in heavy penalties which are slapped on to cover the administration costs of arranging paperwork and handling other matters. Naturally, the lender is entitled to charge for drafting a letter or making a phone call but to charge £30-£40 for simply giving you the joyous news that you that you are behind with your monthly repayment is nothing short of scandalous. Consequently, these charges add up over time and can worsen the financial situation. Home owners head deeper into debt trying to keep heads above water and there is no doubt that additional penalties simply add more salt into the wounds.
How to claim back?
The Financial Services Authority declared that such charges are unfair and highly excessive. The basis of such findings are based on the same lines as unfair bank or credit card default charges which the Office of Fair Trading (OFT) has concluded are legally unfair in terms of the Unfair Terms in Consumer Contract Regulations. In other words, a charge will not be fair if it exceeds a lender’s actual administrative costs. For years, people have simply taken additional charges and penalties on the chin and swallowed the pain. It is vital that consumers fight for their rights and ask for a refund of penalties and all charges. You can claim back these unfair charges yourself but there are always pitfalls in trying to fight big financial institutions with standard complaint letters. In such cases it is always worth seeking professional help from claims specialists who understand the way to get past the stubbornness of compliance officers who will naturally defend claims. Consumers who have their claims rejected should remember that there is also Financial Ombudsman Service (FOS) which adjudicates on disputed claims. However the FOS will not assist consumers present their cases. How you put your argument is very much down to you and once again it might be worth having specialist help to undertake all the necessary work. Unlike bank charges, it is possible to claim back mortgage penalties going as far back as 12 years. (as opposed to 6years on bank charges). Even if you no longer have a mortgage or have changed lenders they can still be claimed back. Consumers have had a rough ride for years and had enough punishment inflicted on them. So why are you waiting? It is your money and it is definitely worth fighting for.
Health Insurance Plan Choices for You
Choosing the correct health insurance plan could be extremely daunting task and not as simple as it once was earlier, as you may come across several choices. Although there is no one “top” insurance plan, there are few plans, which could be superior to others for your health requirements and budget. Policy Plans differ in both how continently it is to obtain the services you want and what value you need to pay for it. Even though no health plan would pay for all the costs related with your health check care, some plans would also cover more than others. Nigh on all health plans today carry different ways to decrease needless use of health care at the same time keeping down the costs too. This might influence how simply you achieve the care you desire.
At the moment, there is an actual concentration on healthcare “consumerism”, especially in California, US. Health insurance companies are providing members a growing collection of “consumer driven” applications, which concentrates to assist those in any type of health plan assess healthcare prices, choose doctors and hospitals, which are both money-making and high in excellence, get suitable screenings and examinations and or else superior aid in handling their health. Employers, in the meantime, are direction-finding workers toward cost-effective drugs, health care services, and providers by providing lower co-payments and also some other incentives for some particular choices.
Health insurance plans are generally described as either “indemnity” (fee-for-service) or “managed care”. These kinds of plans vary in significant ways, which are described. With any health plan, though, there is an essential finest that is how much you or your company pays, regularly or monthly, to purchase health insurance coverage. Also, there are frequently other policy payments you need to make, which would vary by plan as well. Bearing in mind any plan, you must attempt to figure out its sum or real cost involved to you and your family, particularly if someone in your relations has a constant or stern health condition.
After a while, as health plans policy vie for your business, the differences between these types of plans have started to blur. Some indemnity plans also offer managed care type choices, and some managed care plans also tend to offer members the chance to use providers that are “outside” the plan policy. This makes it even more significant for you to know how your exacting health plan works. So we would suggest you to study each plan thoroughly before buying in.
At the moment, there is an actual concentration on healthcare “consumerism”, especially in California, US. Health insurance companies are providing members a growing collection of “consumer driven” applications, which concentrates to assist those in any type of health plan assess healthcare prices, choose doctors and hospitals, which are both money-making and high in excellence, get suitable screenings and examinations and or else superior aid in handling their health. Employers, in the meantime, are direction-finding workers toward cost-effective drugs, health care services, and providers by providing lower co-payments and also some other incentives for some particular choices.
Health insurance plans are generally described as either “indemnity” (fee-for-service) or “managed care”. These kinds of plans vary in significant ways, which are described. With any health plan, though, there is an essential finest that is how much you or your company pays, regularly or monthly, to purchase health insurance coverage. Also, there are frequently other policy payments you need to make, which would vary by plan as well. Bearing in mind any plan, you must attempt to figure out its sum or real cost involved to you and your family, particularly if someone in your relations has a constant or stern health condition.
After a while, as health plans policy vie for your business, the differences between these types of plans have started to blur. Some indemnity plans also offer managed care type choices, and some managed care plans also tend to offer members the chance to use providers that are “outside” the plan policy. This makes it even more significant for you to know how your exacting health plan works. So we would suggest you to study each plan thoroughly before buying in.
Ways To Slash Your Auto Insurance Premium By Using The World Wide Web - A Vehicle To Get The Rock-Bottom Insurance Deal.
From the warmth of your home and with only a few mouse clicks, you can find the top car insurance company. You can get a general car insurance policy, pick up a antique car policy, or insure a motorcycle or RV. Whatever you need for auto insurance you’ll find the top car insurance rates on the internet.
The personal data you fill out on the quote page needs to be factual. In fact, it’s important because that’s what’s predicated to establish what your premiums will be. Because if you cook up the data you may get a reduced price. However, when the agent double-checks the information you stated your insurance policy will be canceled, as well as, if you crash, you could find out to your dismay that your insurance policy was void.
There are many ways that you can lower the price of your coverage without increasing your liability. Auto insurance comparison online is one of the most stress free ways to shop for it.
Your driving transcript, the brand of car you have, where you reside, how often you use your car, when you commute, how old you are, and lots of other things all produce the insurance prices you’ll pay. Knowing what you can do to lower your coverage costs is valuable. For example, taking public transportation to and from work, or riding with a co-worker might reduce your coverage costs by as much as 48%. It pays to shop around.
You might be astonished to know that the majority of car owners are spending too much for their vehicle insurance because they don’t take in that there are extensive differences in policy pricing, and drivers don’t shop around. The experts all agree that the most effective way to save on your auto coverage is to shop for and then get your car insurance online.
When you are doing your car insurance shopping it’s crucial that you compare oranges to oranges. It won't benefit you if one quote is really low but their insurance policy is poor in comparison to another company. In fact, before you sign any documents or pay any money it is imperative to have the opportunity to read thoroughly the policy and all the fine print. If you follow these suggestions you get the best auto insurance at the best price.
The personal data you fill out on the quote page needs to be factual. In fact, it’s important because that’s what’s predicated to establish what your premiums will be. Because if you cook up the data you may get a reduced price. However, when the agent double-checks the information you stated your insurance policy will be canceled, as well as, if you crash, you could find out to your dismay that your insurance policy was void.
There are many ways that you can lower the price of your coverage without increasing your liability. Auto insurance comparison online is one of the most stress free ways to shop for it.
Your driving transcript, the brand of car you have, where you reside, how often you use your car, when you commute, how old you are, and lots of other things all produce the insurance prices you’ll pay. Knowing what you can do to lower your coverage costs is valuable. For example, taking public transportation to and from work, or riding with a co-worker might reduce your coverage costs by as much as 48%. It pays to shop around.
You might be astonished to know that the majority of car owners are spending too much for their vehicle insurance because they don’t take in that there are extensive differences in policy pricing, and drivers don’t shop around. The experts all agree that the most effective way to save on your auto coverage is to shop for and then get your car insurance online.
When you are doing your car insurance shopping it’s crucial that you compare oranges to oranges. It won't benefit you if one quote is really low but their insurance policy is poor in comparison to another company. In fact, before you sign any documents or pay any money it is imperative to have the opportunity to read thoroughly the policy and all the fine print. If you follow these suggestions you get the best auto insurance at the best price.
Florida Home Owner's Insurance
lPeople in Florida spend a great deal of time and money to make their homes a pleasant place to live, but accidents happen all the time to upset this; fortunately, eventualities that could cost a great deal of money can be guarded against without too much bother. Other threats of course come from people in the form of arson or vandalism caused when a burglar doesn't find what they are looking for, and sometimes even when they do. Should anything untoward happen to your home, a Florida home owner's insurance policy will pay out the sum agreed by the insurance company if all payments towards the annual premium are current.
Examples of things covered under a typical home owner's insurance policy might be theft, fire, vandalism, or other damage to your property. The amount that a normal policy will pay out is quite high and most likely the average person would not reach this limit but they will invariably have to pay a deductible first.
The number of insurers now offering Florida home owner's insurance is on the increase and most of these can also offer an Internet application facility as well to make the process easier. However, the temptation is to go for the first quote that you arrange but it is preferable to check out a number to see what they are offering and then choosing a plan that matches your needs and budget.
Whilst you compare the insurance quotes, which should help you to understand which policy will offer the best benefits, it is important to consider the flexibility of the policy rather than be tempted merely by a low premium. In fact mortgage lenders will stipulate that a house must have a homeowners insurance policy to cover against damage to it.
If you looking to switch your current provider, then many Florida insurers offer special deals for new customers which often save the equivalent of two or three monthly premiums. You may also consider raising your deductible as the difference in premium cost between a 500 and a 1,000 dollar deductible can be considerable.
You also need to consider covering the replacement cost of your belongings versus covering the actual worth as your old TV may cost 500 dollars to replace, but probably wouldn't bring more than 50 dollars at a garage sale. No-one wants to visit all the bargain shops and garage sales to try and replace possessions lost in a fire or burglary because they didn't have a Replacement Value policy.
Your home probably cost a great deal as did the possessions inside and the sentimental value should not be overlooked either. So realistically, everything that is in your home should be covered as part of your Florida home owner's insurance if you place any value on it.
Examples of things covered under a typical home owner's insurance policy might be theft, fire, vandalism, or other damage to your property. The amount that a normal policy will pay out is quite high and most likely the average person would not reach this limit but they will invariably have to pay a deductible first.
The number of insurers now offering Florida home owner's insurance is on the increase and most of these can also offer an Internet application facility as well to make the process easier. However, the temptation is to go for the first quote that you arrange but it is preferable to check out a number to see what they are offering and then choosing a plan that matches your needs and budget.
Whilst you compare the insurance quotes, which should help you to understand which policy will offer the best benefits, it is important to consider the flexibility of the policy rather than be tempted merely by a low premium. In fact mortgage lenders will stipulate that a house must have a homeowners insurance policy to cover against damage to it.
If you looking to switch your current provider, then many Florida insurers offer special deals for new customers which often save the equivalent of two or three monthly premiums. You may also consider raising your deductible as the difference in premium cost between a 500 and a 1,000 dollar deductible can be considerable.
You also need to consider covering the replacement cost of your belongings versus covering the actual worth as your old TV may cost 500 dollars to replace, but probably wouldn't bring more than 50 dollars at a garage sale. No-one wants to visit all the bargain shops and garage sales to try and replace possessions lost in a fire or burglary because they didn't have a Replacement Value policy.
Your home probably cost a great deal as did the possessions inside and the sentimental value should not be overlooked either. So realistically, everything that is in your home should be covered as part of your Florida home owner's insurance if you place any value on it.
Thursday, January 15, 2009
Staff Rostering System Can Range From the Simple to Very Complex
Even the smaller establishments need staff rostering systems if they employ more than a few staff, and the staff members have to work at different times. These establishments, say, a retail store, might do the scheduling using a spreadsheet. In the left column, staff names are listed in alphabetical order. The top row of other columns shows the days of the week. Against each staff person, each day's working time is entered.
A quick glance at this simple schedule will show that all working hours for all the days have been accounted for. It would also indicate that work has been allocated fairly among the staff. That is the essence of staff rostering systems, ensuring that people are available to attend to work and that no staff person is overburdened compared to others.
More Complex Staff Rostering Systems
In the case of manufacturing companies, shift working might be resorted to for utilizing expensive capital equipment 24 hours a day or nearabout. Some employees will work in a first shift from, say, 8.00 hours to 16.00 hours while others will work the evening shift of 16.00 hours to 24.00 hours and yet others during the night shift from 24.00 hours to 8.00 hours the next day.
While day shifts are normal, the other shifts, particularly the night shift, can cause health and family problems. Hence, no employee works these late shifts continuously. Instead, there is rotation among employees so that all employees work all the shifts (with some exceptions). Shift scheduling and rotation of shifts can make the work of rostering more complicated.
Where thousands of employees are involved and the staff rostering system has to consider scheduled breaks such as annual vacations and unscheduled breaks caused by sickness or other emergency, the work becomes even more complex. A staff rostering system that works with paper and pencil (and erasers), or even a computer spreadsheet, can prove quite inadequate to produce staff rosters in time.
There are other issues that make the work further complicated. Skill requirements during particular shifts are one of these. Persons with particular skills might have to be assigned to particular shifts. Consideration might also be given to employee preferences where possible.
Thus, the staff rostering system has to ensure that:
A quick glance at this simple schedule will show that all working hours for all the days have been accounted for. It would also indicate that work has been allocated fairly among the staff. That is the essence of staff rostering systems, ensuring that people are available to attend to work and that no staff person is overburdened compared to others.
More Complex Staff Rostering Systems
In the case of manufacturing companies, shift working might be resorted to for utilizing expensive capital equipment 24 hours a day or nearabout. Some employees will work in a first shift from, say, 8.00 hours to 16.00 hours while others will work the evening shift of 16.00 hours to 24.00 hours and yet others during the night shift from 24.00 hours to 8.00 hours the next day.
While day shifts are normal, the other shifts, particularly the night shift, can cause health and family problems. Hence, no employee works these late shifts continuously. Instead, there is rotation among employees so that all employees work all the shifts (with some exceptions). Shift scheduling and rotation of shifts can make the work of rostering more complicated.
Where thousands of employees are involved and the staff rostering system has to consider scheduled breaks such as annual vacations and unscheduled breaks caused by sickness or other emergency, the work becomes even more complex. A staff rostering system that works with paper and pencil (and erasers), or even a computer spreadsheet, can prove quite inadequate to produce staff rosters in time.
There are other issues that make the work further complicated. Skill requirements during particular shifts are one of these. Persons with particular skills might have to be assigned to particular shifts. Consideration might also be given to employee preferences where possible.
Thus, the staff rostering system has to ensure that:
Nurse Roster Management Is A Critical Task in Health Services
About Author:Lucy Caudle, Marketing Manager at SMART, writes about the benefits of flexibleworking and Nurse Roster Management Is A Critical Task in Health ServicesNurses must be available 24 hours at health care organizations. This means that shift working is an absolute necessity. However, available nurses cannot be arbitrarily rostered to shifts. Nurse roster management must accommodate the constraints on shift allocation, and other kinds of constraints such as nurses' entitlement to vacations and other kinds of absences.
Yet another problem is the skill mix of nurses. Nurses with the right mix of skills must be present during each shift. Otherwise, the quality of health care will suffer. On the other hand, employing too many staff to accommodate all contingencies will increase costs beyond acceptable levels. It is through effective nurse roster management that an attempt is made to meet both the quality and cost objectives.
The roster must be managed in a way that ensures reasonable allocation of duties among nurses. If too much burden is placed on a select few it can have two consequences. One, the quality of healthcare can suffer owing to the heavy and tiring workload on these few. Two, nurses are in high demand, and if they feel aggrieved with the rostering, they can look for other employment opportunities.
The Key Problem: Scheduling Nurses to Shifts
24-hour work is typically handled through three shifts, with a single nurse or group being assigned to a single shift. The typical shifts are early, late and night shifts of 8-hour duration each.
All the shifts are not popular shifts. In particular, the night shift is typically very unpopular, and is even considered to cause health problems. Consequently, available nurses must be rotated among different shifts in a way that all of them will be working equal numbers of popular, less popular and unpopular shifts.
The skill sets of the nurses must also be considered while developing the nurse roster. Then there is the problems posed by different kinds of absences, such as weekly offs, annual vacations, casual but expected absences and unexpected absences.
The nurse roster management system must handle all these requirements and generate rosters that meet the health care needs.
As can be visualized, nurse rostering is a complex exercise. You cannot expect to do a good job if you depend on a system of manual rostering, with a human scheduler developing the roster.
Typical Solutions: Nurse Roster Management Software and Temporary Staff
Nurse roster management software can be fed all the rules, constraints, details of available resources (such as number of nurses and their skill sets) and health care requirements. The system can also access the past rostering history of each nurse.
Based on the data thus made available, the nurse roster management system can work out schedules that not only meet healthcare requirements but also make best use of available nurses and skill sets.
Where available resources are not adequate to meet the requirements, the system can indicate additional staff requirements. It would then be possible to approach third party agencies that specialize in providing nurses (and other healthcare professionals) for short-term working. This is an expensive alternative, however, and the nurse roster management system would seek to minimize it.
Without good nurse roster management system, heavy recourse will typically be made to the third party agency services, increasing healthcare costs.
Yet another problem is the skill mix of nurses. Nurses with the right mix of skills must be present during each shift. Otherwise, the quality of health care will suffer. On the other hand, employing too many staff to accommodate all contingencies will increase costs beyond acceptable levels. It is through effective nurse roster management that an attempt is made to meet both the quality and cost objectives.
The roster must be managed in a way that ensures reasonable allocation of duties among nurses. If too much burden is placed on a select few it can have two consequences. One, the quality of healthcare can suffer owing to the heavy and tiring workload on these few. Two, nurses are in high demand, and if they feel aggrieved with the rostering, they can look for other employment opportunities.
The Key Problem: Scheduling Nurses to Shifts
24-hour work is typically handled through three shifts, with a single nurse or group being assigned to a single shift. The typical shifts are early, late and night shifts of 8-hour duration each.
All the shifts are not popular shifts. In particular, the night shift is typically very unpopular, and is even considered to cause health problems. Consequently, available nurses must be rotated among different shifts in a way that all of them will be working equal numbers of popular, less popular and unpopular shifts.
The skill sets of the nurses must also be considered while developing the nurse roster. Then there is the problems posed by different kinds of absences, such as weekly offs, annual vacations, casual but expected absences and unexpected absences.
The nurse roster management system must handle all these requirements and generate rosters that meet the health care needs.
As can be visualized, nurse rostering is a complex exercise. You cannot expect to do a good job if you depend on a system of manual rostering, with a human scheduler developing the roster.
Typical Solutions: Nurse Roster Management Software and Temporary Staff
Nurse roster management software can be fed all the rules, constraints, details of available resources (such as number of nurses and their skill sets) and health care requirements. The system can also access the past rostering history of each nurse.
Based on the data thus made available, the nurse roster management system can work out schedules that not only meet healthcare requirements but also make best use of available nurses and skill sets.
Where available resources are not adequate to meet the requirements, the system can indicate additional staff requirements. It would then be possible to approach third party agencies that specialize in providing nurses (and other healthcare professionals) for short-term working. This is an expensive alternative, however, and the nurse roster management system would seek to minimize it.
Without good nurse roster management system, heavy recourse will typically be made to the third party agency services, increasing healthcare costs.
Electronic Timesheet Solution Can Lead to Productivity and Other Benefits
While a simple spreadsheet-based timesheet is also an electronic timesheet, it is Web based solutions that we generally call an electronic timesheet solution these days. A Web-based solution makes the system accessible to all authorized persons through an Internet-connected computer from anywhere in the world.
What's Different With Electronic Timesheet
Employee timesheets are the basic documents for starting the payroll computation process. Traditionally, these were paper documents that were collected, arranged and checked preliminary to transcribing the details therein to payroll computation sheets. It was quite likely for some of the sheets to go missing and these had to be rebuilt; some sheets were not submitted in time, and had to be chased; and available sheets might reveal problems and these had to be reviewed with concerned persons and remedied. The whole process was something you would wish only on your enemy.
Electronic timesheets could be entered easily once you log into the system and retrieve the time data entry form. Obvious errors would be caught by the system itself, and you will be able to correct them then and there. Entry itself was facilitated by standard filled-in values based on past entry history.
Because the process is Web based, data can be entered even from the field through remote devices. And data once entered goes to the server and becomes accessible to managers. Managers can even review the sheets daily at their convenience, instead of waiting for collection of the paper time sheets at the end of the pay period.
Workflows can be implemented so that timesheets are reviewed and approved quickly. Employee enters the data from wherever the person happens to be, it is available to the supervisor to review and approve online, and reports can be generated anytime for any period.
Most of the programs will be accessible to major accounting and other MIS programs, and so no further entries or transcriptions are necessary to process the entered data.
All the above features lead to an electronic timesheet solution that is more reliable, accurate, speedy and less expensive to operate.
The Timesheet Solutions Solve Other Problems Too
In addition to providing employee time details for computing pay, electronic timesheet solutions also typically help with maintenance of employee work history and other issues. Leave computations and provision of online pay slips are examples of frequently demanded conveniences.
The systems would also have facilities to configure customized reports that can be generated from the entered data. For example, employee rosters and holiday schedules can be generated based on assigned rules.
Electronic Timesheet Facilities
The various user-friendly features the systems can provide distinguish computer-based systems. Data entry is facilitated by drop down menus, past entry memories, time calculators and such, leading to fast data entry and minimal errors. Validation routines can catch certain types of common errors, if any remain.
The electronic timesheet solution typically provides the following benefits:
What's Different With Electronic Timesheet
Employee timesheets are the basic documents for starting the payroll computation process. Traditionally, these were paper documents that were collected, arranged and checked preliminary to transcribing the details therein to payroll computation sheets. It was quite likely for some of the sheets to go missing and these had to be rebuilt; some sheets were not submitted in time, and had to be chased; and available sheets might reveal problems and these had to be reviewed with concerned persons and remedied. The whole process was something you would wish only on your enemy.
Electronic timesheets could be entered easily once you log into the system and retrieve the time data entry form. Obvious errors would be caught by the system itself, and you will be able to correct them then and there. Entry itself was facilitated by standard filled-in values based on past entry history.
Because the process is Web based, data can be entered even from the field through remote devices. And data once entered goes to the server and becomes accessible to managers. Managers can even review the sheets daily at their convenience, instead of waiting for collection of the paper time sheets at the end of the pay period.
Workflows can be implemented so that timesheets are reviewed and approved quickly. Employee enters the data from wherever the person happens to be, it is available to the supervisor to review and approve online, and reports can be generated anytime for any period.
Most of the programs will be accessible to major accounting and other MIS programs, and so no further entries or transcriptions are necessary to process the entered data.
All the above features lead to an electronic timesheet solution that is more reliable, accurate, speedy and less expensive to operate.
The Timesheet Solutions Solve Other Problems Too
In addition to providing employee time details for computing pay, electronic timesheet solutions also typically help with maintenance of employee work history and other issues. Leave computations and provision of online pay slips are examples of frequently demanded conveniences.
The systems would also have facilities to configure customized reports that can be generated from the entered data. For example, employee rosters and holiday schedules can be generated based on assigned rules.
Electronic Timesheet Facilities
The various user-friendly features the systems can provide distinguish computer-based systems. Data entry is facilitated by drop down menus, past entry memories, time calculators and such, leading to fast data entry and minimal errors. Validation routines can catch certain types of common errors, if any remain.
The electronic timesheet solution typically provides the following benefits:
Absence Management Is More an Issue of Not Just Ignoring It
Absenteeism is a cost for almost all businesses (except perhaps in totalitarian regimes). Employees can be absent on authorized and scheduled leave to which they are entitled. At other times, they might take unscheduled leave, still within permitted limits. Yet other times, they might just absent themselves.
All the absences cost money. Authorized absences have to be paid for under the law. Unauthorized absences cause losses through disrupting business operations. Expensive capital equipment might not be operated as planned. Scheduled calls on prospective customers might not be made. Other employees might have to be paid overtime premiums to do the work of the absent employee. Even temporary workers might have to be inducted.
Because the phenomenon is so universal, and because there are so many other issues pressing for attention, businesses typically tend to take the costs of absenteeism in their stride. They might not even take the trouble to work out the full costs of employee absences.
Part of the absences will still be there. Under law, you have to give paid vacations and other kinds of leave to employees. Even here, if things are properly planned and scheduled, the costs to the business can be minimized. For example, employee vacations can be staggered so that a key position is always manned satisfactorily at all times.
Unscheduled and unauthorized absences need equally (if not more) systematic handling to minimize their impact.
How Do You Manage Absences?
You can control things only if you know exactly what is going on. So the starting point for absence management is to get a clear picture about absenteeism.
All the absences cost money. Authorized absences have to be paid for under the law. Unauthorized absences cause losses through disrupting business operations. Expensive capital equipment might not be operated as planned. Scheduled calls on prospective customers might not be made. Other employees might have to be paid overtime premiums to do the work of the absent employee. Even temporary workers might have to be inducted.
Because the phenomenon is so universal, and because there are so many other issues pressing for attention, businesses typically tend to take the costs of absenteeism in their stride. They might not even take the trouble to work out the full costs of employee absences.
Part of the absences will still be there. Under law, you have to give paid vacations and other kinds of leave to employees. Even here, if things are properly planned and scheduled, the costs to the business can be minimized. For example, employee vacations can be staggered so that a key position is always manned satisfactorily at all times.
Unscheduled and unauthorized absences need equally (if not more) systematic handling to minimize their impact.
How Do You Manage Absences?
You can control things only if you know exactly what is going on. So the starting point for absence management is to get a clear picture about absenteeism.
University Safety – Something Everyone Needs to be Aware Of
April 16, 2007, 32 people were killed and many others were injured inside the campus of Virginia Polytechnic Institute and State University. The Virginia Tech tragedy was considered to be the worst massacre in the US that resulted when a lone gunman was able to run amok inside the university campus. February 14, 2008, a graduate student of Northern Illinois University opened fire in a classroom killing five students and wounding 17 more.
School violence is not the sole problem of U. S. Universities. Violent school associated deaths have also happened in other parts of the world. Of course it would be noted that other school violence is not on the same scale as the two mentioned above but these terrible tragedies have certainly made us view the safety of our students with a greater degree of need after these events. How can student safety inside the university be increased? Can these crimes be stopped? Is it necessary to increase the security personnel? Aside from student IDs, magnetic key cards and entrance passes should other safety devices be used by school administrators to ensure against the entrance of intruders?
Student identification and entrance passes would deter unauthorized people from entering the university campus but in most cases violence perpetrators are students themselves. Most university administrators have responded to the concerns of parents by enhancing the existing security measures. Guards on duty were increased, guests were required to wear a visitor’s pass and more metal detectors were installed. Security personnel were educated on how to react to dangerous circumstances such as handling an armed student or intruder.
Another consideration to ensure the safety of the students is to allow them to carry some types of weapons like pepper sprays and stun guns. Guns though are not an option as being armed with a gun makes it easier for a person to face someone he or she doesn’t like.
No doubt these measures may be useful but violence in the school environment is an ongoing [worldwide concern. Therefore it is imperative that the educators, the school personnel, the social service organizations, the parents and most especially the students be educated about the issues that are discerned to be the causes of school violence. Students’ safety in the university would largely depend on finding the solutions to these problems.
Understanding school violence is pretty hard as there is no “one size fits all” yardstick that would indicate if a person is on the verge of violence. One of the most common causes leading to school violence is discrimination and school bullying. People who are bullied and discriminated would reach their limit and feel the need to do anything to make the bullying stop. These people who feel that they are not accepted by the society would like to strike back.University administrators wise to this fact have implemented programs that would help teachers and school personnel to deal with this problem to better help the students in order to prevent a violent occurrence. These programs would show the telltale signs of a person on the verge of violence.
Criminal activity on campus no matter how terrible and tragic is not commonplace. Being inside the campus is considered fairly safe. Most of the students would not have this traumatic experience. These incidents should not hamper a student’s chance to an education that will prepare him/her for life.
School violence is not the sole problem of U. S. Universities. Violent school associated deaths have also happened in other parts of the world. Of course it would be noted that other school violence is not on the same scale as the two mentioned above but these terrible tragedies have certainly made us view the safety of our students with a greater degree of need after these events. How can student safety inside the university be increased? Can these crimes be stopped? Is it necessary to increase the security personnel? Aside from student IDs, magnetic key cards and entrance passes should other safety devices be used by school administrators to ensure against the entrance of intruders?
Student identification and entrance passes would deter unauthorized people from entering the university campus but in most cases violence perpetrators are students themselves. Most university administrators have responded to the concerns of parents by enhancing the existing security measures. Guards on duty were increased, guests were required to wear a visitor’s pass and more metal detectors were installed. Security personnel were educated on how to react to dangerous circumstances such as handling an armed student or intruder.
Another consideration to ensure the safety of the students is to allow them to carry some types of weapons like pepper sprays and stun guns. Guns though are not an option as being armed with a gun makes it easier for a person to face someone he or she doesn’t like.
No doubt these measures may be useful but violence in the school environment is an ongoing [worldwide concern. Therefore it is imperative that the educators, the school personnel, the social service organizations, the parents and most especially the students be educated about the issues that are discerned to be the causes of school violence. Students’ safety in the university would largely depend on finding the solutions to these problems.
Understanding school violence is pretty hard as there is no “one size fits all” yardstick that would indicate if a person is on the verge of violence. One of the most common causes leading to school violence is discrimination and school bullying. People who are bullied and discriminated would reach their limit and feel the need to do anything to make the bullying stop. These people who feel that they are not accepted by the society would like to strike back.University administrators wise to this fact have implemented programs that would help teachers and school personnel to deal with this problem to better help the students in order to prevent a violent occurrence. These programs would show the telltale signs of a person on the verge of violence.
Criminal activity on campus no matter how terrible and tragic is not commonplace. Being inside the campus is considered fairly safe. Most of the students would not have this traumatic experience. These incidents should not hamper a student’s chance to an education that will prepare him/her for life.
PAT Testing – Find Out What The Law Says About Portable Appliance Testing
One of the most common causes of fires in the workplace is faulty electrical equipment. Sometimes these faults are not obvious to the untrained eye, and it is fair to say that quite often they are obvious, but are not properly dealt with.
There are various pieces of UK law that deal with electrical safety at work, but the main ones are the 'Electricity At Work Regulations 1989', and the 'Provision and Use of Work Equipment Regulations 1998'. UK employers have a legal responsibility to have all portable electrical equipment regularly tested, and they must take steps to maintain this equipment is satisfactory state of repair.
What Is A Portable Appliance?
Portable appliances are any item of electrical equipment that is not fixed or permanently attached to the building. A simplistic definition is that it is anything with a plug on, which is a reasonable rule of thumb, but not quite accurate in all circumstances. Most portable appliances will connect to a socket with a plug, but there are some exceptions, so do not use it as a definite rule. The safest definition is of something designed to be moved while connected to an electrical supply.
The requirement is to test and maintain any portable appliance in the workplace, so that does not mean only items that have been purchased or brought onto the premises by the main business or operator. For example, it also applies to equipment brought in by contractors, the DJ’s flashing lights for the Christmas disco, and the curling tongs used by Shelia the secretary before she goes out on Friday night. In other words, as the employer you need to have systems in place to control any electrical item that is brought onto the premises for any reason.
Who Can Do PAT Testing?
The law says that PAT testing should be carried out by a Competent Person. Which means that whoever does it needs to know what they are doing, having been properly trained. This does not rule out doing it in-house, as there are plenty of short courses available that you can put your own staff through. You can buy all the necessary testing equipment and software for recording your results.
The alternative is to get a specialist contractor in to do it for you.
How Often Do I Need To Test Portable Appliances?
The law is pretty vague about this, meaning that the employer has to assess the risk for each type of equipment and make a judgement about it. A good average would be an annual test, but there are some items that definitely require more frequent testing, and some that you can get away with less than that. Something that is moved around and used every day (such as a hand drill) is going to need much more regular testing, perhaps quarterly, with daily visual checks.
The frequency of testing has to be a judgement call on the part of the Responsible Person. You can amend the frequency according to your results. For example, if you find faults with something every time it is tested, the frequency probably needs increasing, whereas if there are many repeated tests without problems, you may be able to reduce the frequency.
Recording The Results Of Your PAT Testing
The legislation is once again not prescriptive with regard to recording the results of your PAT testing, but it would not make a lot of sense to not record the results of your testing.
The main record for testing is that each item tested will be given a label with details of the date of the test, the date the next test will be due, whether it passed or failed and a unique identification number. The ID number will often be accompanied by a bar code, for recording systems which use this method to make the recording and reporting on individual items much easier.
There are various pieces of UK law that deal with electrical safety at work, but the main ones are the 'Electricity At Work Regulations 1989', and the 'Provision and Use of Work Equipment Regulations 1998'. UK employers have a legal responsibility to have all portable electrical equipment regularly tested, and they must take steps to maintain this equipment is satisfactory state of repair.
What Is A Portable Appliance?
Portable appliances are any item of electrical equipment that is not fixed or permanently attached to the building. A simplistic definition is that it is anything with a plug on, which is a reasonable rule of thumb, but not quite accurate in all circumstances. Most portable appliances will connect to a socket with a plug, but there are some exceptions, so do not use it as a definite rule. The safest definition is of something designed to be moved while connected to an electrical supply.
The requirement is to test and maintain any portable appliance in the workplace, so that does not mean only items that have been purchased or brought onto the premises by the main business or operator. For example, it also applies to equipment brought in by contractors, the DJ’s flashing lights for the Christmas disco, and the curling tongs used by Shelia the secretary before she goes out on Friday night. In other words, as the employer you need to have systems in place to control any electrical item that is brought onto the premises for any reason.
Who Can Do PAT Testing?
The law says that PAT testing should be carried out by a Competent Person. Which means that whoever does it needs to know what they are doing, having been properly trained. This does not rule out doing it in-house, as there are plenty of short courses available that you can put your own staff through. You can buy all the necessary testing equipment and software for recording your results.
The alternative is to get a specialist contractor in to do it for you.
How Often Do I Need To Test Portable Appliances?
The law is pretty vague about this, meaning that the employer has to assess the risk for each type of equipment and make a judgement about it. A good average would be an annual test, but there are some items that definitely require more frequent testing, and some that you can get away with less than that. Something that is moved around and used every day (such as a hand drill) is going to need much more regular testing, perhaps quarterly, with daily visual checks.
The frequency of testing has to be a judgement call on the part of the Responsible Person. You can amend the frequency according to your results. For example, if you find faults with something every time it is tested, the frequency probably needs increasing, whereas if there are many repeated tests without problems, you may be able to reduce the frequency.
Recording The Results Of Your PAT Testing
The legislation is once again not prescriptive with regard to recording the results of your PAT testing, but it would not make a lot of sense to not record the results of your testing.
The main record for testing is that each item tested will be given a label with details of the date of the test, the date the next test will be due, whether it passed or failed and a unique identification number. The ID number will often be accompanied by a bar code, for recording systems which use this method to make the recording and reporting on individual items much easier.
Necessities of Weighing Scales
Scales are the important equipment or instrument or device needed to get accurate measurement for the object produced or manufactured. In this economy, more number of products is produced to satisfy the wants of the people or industrialist. Scales are the essential part in every body part of life, particularly in business people life. To know the weigh of any particular object produced or carried through freight, weighing scales like floor scales, platform scales, platform bench scales and many other types of scales are used. These scales will measure the weigh of the object placed on the scale accurately. Weighing scales are produced in different types, sizes, capacity and model. It measures the mass from one beam to another.
Floor scales, bench scales, platform scales, economical scales, rail scales, counting scales and many other types of scales are designed to give accurate results. These scales are designed in different sizes, capacities, models, load cell and category. Weighing scales are often used to measure mass of the object. More number of scales is produced as per the requirements of the customer or user. When an object has been placed on any type of scale, it gives accurate measurement with counting of objects. Nowadays, the scales are produced with advancement of technology. These equipments are innovated as per the request and need of the customer. Scales are produced only to achieve the result in a larger amount.
Weighing scales are the scales used to measure the weight of an object. The main purpose of introducing this scale is to know the weight of the object placed on the weighing scale. It determines the weigh of the things or object placed on the scale ranging from small to heavy or large load. Weighing scales are manufactured from different capacity like small, medium and large. The weigh scales will measure the weigh of object with or without any loads inside the object. When the weigh of the truck is to be measured the measurement can be achieved with good accuracy, even when the truck is with or without any loads or goods.
For example, if you want to know the weight of 1 potato, then keep the potato on the weighing scale and know the weigh of the potato with accurate result. Even if you want to know the weigh of 10 potatoes, place 10 potatoes on the weighing scale and get the result with measurement. Like this weighing scales are produced as per the requirements of customers. Small, medium and large scales are manufactured to know the weigh of the object.
From the above said example, we can come to know that weighing scales will measure the weigh of any number of objects or things with or without load. Weighing scales are the most important requirement needed in every part of the life, because without measurement of any object we cannot know the actual quantity of the things or objects produced or marketed. Therefore, weighing scales are the important and essential requirement in day today business environment.
Floor scales, bench scales, platform scales, economical scales, rail scales, counting scales and many other types of scales are designed to give accurate results. These scales are designed in different sizes, capacities, models, load cell and category. Weighing scales are often used to measure mass of the object. More number of scales is produced as per the requirements of the customer or user. When an object has been placed on any type of scale, it gives accurate measurement with counting of objects. Nowadays, the scales are produced with advancement of technology. These equipments are innovated as per the request and need of the customer. Scales are produced only to achieve the result in a larger amount.
Weighing scales are the scales used to measure the weight of an object. The main purpose of introducing this scale is to know the weight of the object placed on the weighing scale. It determines the weigh of the things or object placed on the scale ranging from small to heavy or large load. Weighing scales are manufactured from different capacity like small, medium and large. The weigh scales will measure the weigh of object with or without any loads inside the object. When the weigh of the truck is to be measured the measurement can be achieved with good accuracy, even when the truck is with or without any loads or goods.
For example, if you want to know the weight of 1 potato, then keep the potato on the weighing scale and know the weigh of the potato with accurate result. Even if you want to know the weigh of 10 potatoes, place 10 potatoes on the weighing scale and get the result with measurement. Like this weighing scales are produced as per the requirements of customers. Small, medium and large scales are manufactured to know the weigh of the object.
From the above said example, we can come to know that weighing scales will measure the weigh of any number of objects or things with or without load. Weighing scales are the most important requirement needed in every part of the life, because without measurement of any object we cannot know the actual quantity of the things or objects produced or marketed. Therefore, weighing scales are the important and essential requirement in day today business environment.
Requirements Of Slate Tiles
Slate stones are one of the most important and essential natural stones used by the people. Slate stones are one of the popularly used natural stone among the home owners and builders. Slate stones are used for both interior and exterior decoration by home owners and builders. Slate stones are used by home owners and builders for residential and commercial buildings and houses. Slate stones are the durable and resistant material with variation in colors and designs. More number of colors and designs are available in slate stone to satisfy the need and requirement of the customers. Slate stone is a durable, decorative, color variation, resistant and beautiful natural stone used by most of the home owners and builders.
Nowadays, most of the home owners and builders prefer to install slate stone for their kitchen and bathrooms. Slate stones can be used as countertops, tiles, slabs and sinks. Slate stones are highly resistant to heat, moisture, stains, spills and scratch. It is also durable material with everlasting beauty. Most of the installer and professionals says that slate tiles are decorative and durable material which can be installed easily. Installation of slate tiles should be done correctly and effectively. Installation process should be carried through with the help of the professionals, experts or installers. There are the one who have experience and knowledge in this particular field of activity.
When slate tiles installation is done effectively, then only the home or building or monument will get complete finish. Slate tiles are available in different colors and designs. This colors and designs are displayed as per customer requirements and satisfaction. Slate tiles are the decorative, durable and resistant with everlasting beauty. So, the customer can choose any color and design for their homes, buildings as per their requirements and need. Since slate tiles are the natural stone material, their color and design will be everlasting factor and it adds beauty to your house and buildings. This is the main factor why most of the people prefer slate tiles for their homes and buildings.
The thickness of slate tiles varies as per different slate tiles. Each slate tiles have different thickness as per the natural stone. So, while choosing the slate tiles from the shop, seek the help of either professional or expert or installer. They can help you to choose slate tiles with regards to thickness, color and design for your home and building correctly. Slate tiles give a complete tough and adds beauty to your house and buildings. The house owner and builder can choose the slate tiles as per thickness, color and design needed for their house and buildings. Slate tiles are used by this home owners and builders for their residential and commercial interior and exterior decoration.
Slate tiles come up with durability, resistance, colors, designs, decorative and variable thickness. Slate tiles are resistant to stain, spills and scratches. Even slate tiles get stained it can easily be removed using quality cleaning agents. The cleaning agent preferred should be quality, and then only any stains and spills can be removed. Therefore slate tiles satisfy the requirements and need of the customer by providing durability, decorative, resistance and different design and colors to the customer. The customer can choose slate tiles as per their requirements and need.
Nowadays, most of the home owners and builders prefer to install slate stone for their kitchen and bathrooms. Slate stones can be used as countertops, tiles, slabs and sinks. Slate stones are highly resistant to heat, moisture, stains, spills and scratch. It is also durable material with everlasting beauty. Most of the installer and professionals says that slate tiles are decorative and durable material which can be installed easily. Installation of slate tiles should be done correctly and effectively. Installation process should be carried through with the help of the professionals, experts or installers. There are the one who have experience and knowledge in this particular field of activity.
When slate tiles installation is done effectively, then only the home or building or monument will get complete finish. Slate tiles are available in different colors and designs. This colors and designs are displayed as per customer requirements and satisfaction. Slate tiles are the decorative, durable and resistant with everlasting beauty. So, the customer can choose any color and design for their homes, buildings as per their requirements and need. Since slate tiles are the natural stone material, their color and design will be everlasting factor and it adds beauty to your house and buildings. This is the main factor why most of the people prefer slate tiles for their homes and buildings.
The thickness of slate tiles varies as per different slate tiles. Each slate tiles have different thickness as per the natural stone. So, while choosing the slate tiles from the shop, seek the help of either professional or expert or installer. They can help you to choose slate tiles with regards to thickness, color and design for your home and building correctly. Slate tiles give a complete tough and adds beauty to your house and buildings. The house owner and builder can choose the slate tiles as per thickness, color and design needed for their house and buildings. Slate tiles are used by this home owners and builders for their residential and commercial interior and exterior decoration.
Slate tiles come up with durability, resistance, colors, designs, decorative and variable thickness. Slate tiles are resistant to stain, spills and scratches. Even slate tiles get stained it can easily be removed using quality cleaning agents. The cleaning agent preferred should be quality, and then only any stains and spills can be removed. Therefore slate tiles satisfy the requirements and need of the customer by providing durability, decorative, resistance and different design and colors to the customer. The customer can choose slate tiles as per their requirements and need.
Property flipping in UAE and its consequences
Property flipping occurs when an investor purchase some property and immediately sell it to another buyer for profits. Technically the property owner just flips it over to the next buyer and secures profits. Fix and flip procedure is the same except that the investor will go through some basic construction or maintenance work, just to make it sellable or improve its price (adding no value).
Property flipping is also used for mortgage fraud (often with the help of property appraiser and buyer), which is illegal and unethical. Property flipping is a practice commonly observed in real estate investors at rapidly growing real estate markets. Where investors are keen to gain the maximum profits with the growth, this type of speculation based property flipping is bound to happen in thriving markets but things can get out of control if it goes unchecked for a long time. Abnormal hikes in real estate prices and increase in cost of living are associated with property flipping.
Property flipping differs from the usual real estate sales and purchase. Property flippers are essentially looking to resell the property as soon as possible, in case of fix and flip the maintenance work is also of a very basic or temporary level. They are looking to skip through all of renovation and paper work swiftly; main focus is on reselling as quickly as possible rather than adding value. Property flipping is like a fast-forwarded process of normal real estate buying and selling. It has been observed that if the property flipping is not controlled, all stakeholders will suffer including the buyer, lender, residents, government and the real estate market itself.
UAE real estate market is one of the most dynamic markets these days. The kind of growth it has witnessed in recent years has made it an ideal spot for those who rely on property flipping to make quick profits. Property flippers do not like uncertainty, and unlike other major real estate markets, Dubai and UAE real estate markets are not going through the normal uncertainty seen everywhere else. That is why; laws are now introduced to rein in the practice of property flipping in UAE to protect serious investors and developers. A new law in Dubai makes it a compulsion to register with the land department before the owner resells. The delay caused by this registration work will discourage the non-serious property flippers. Also, there are some tax charges that you must pay when flipping property in UAE.
Property flipping is also used for mortgage fraud (often with the help of property appraiser and buyer), which is illegal and unethical. Property flipping is a practice commonly observed in real estate investors at rapidly growing real estate markets. Where investors are keen to gain the maximum profits with the growth, this type of speculation based property flipping is bound to happen in thriving markets but things can get out of control if it goes unchecked for a long time. Abnormal hikes in real estate prices and increase in cost of living are associated with property flipping.
Property flipping differs from the usual real estate sales and purchase. Property flippers are essentially looking to resell the property as soon as possible, in case of fix and flip the maintenance work is also of a very basic or temporary level. They are looking to skip through all of renovation and paper work swiftly; main focus is on reselling as quickly as possible rather than adding value. Property flipping is like a fast-forwarded process of normal real estate buying and selling. It has been observed that if the property flipping is not controlled, all stakeholders will suffer including the buyer, lender, residents, government and the real estate market itself.
UAE real estate market is one of the most dynamic markets these days. The kind of growth it has witnessed in recent years has made it an ideal spot for those who rely on property flipping to make quick profits. Property flippers do not like uncertainty, and unlike other major real estate markets, Dubai and UAE real estate markets are not going through the normal uncertainty seen everywhere else. That is why; laws are now introduced to rein in the practice of property flipping in UAE to protect serious investors and developers. A new law in Dubai makes it a compulsion to register with the land department before the owner resells. The delay caused by this registration work will discourage the non-serious property flippers. Also, there are some tax charges that you must pay when flipping property in UAE.
Ajman freehold properties - Advantages and Demand
Freehold ownership gives the owner absolute right over land or property. He can build anything (which does not violate the country's law in other ways), resell to anybody, or rent it on whatever conditions. Unlike most other parts of the world, not everyone was granted the freehold ownership in UAE sometime ago. Foreigners were only allowed to rent properties, or at most a 99-years leasehold was all they could get. Most investors were reluctant to invest in UAE real estate back then, given the limited set of benefits they were able to obtain out of that investment. It was the Dubai government, who broke the shackles and came up with some freehold property zones. Foreign companies and individuals were allowed to acquire freehold ownership in these areas. Although the owners were not granted permanent residence visas, as advertised by some developers, still the step really worked for Dubai real estate and an investment boom followed. After that, it was just a matter of time that other estates started to follow in Dubai steps.
Ajman, the smallest in United Arab Emirates was the second one to follow in 2004 after Ras Al Khaimah. Ruler of Ajman, Sheikh Humaid Bin Rashid Al Nuaimi Amiri has recently issued new law under Decree No. 7 and 8 for Ajman real estate regulations. The introduction of the new law resulted in immediate price hikes as Ajman cemented its place in the real estate investor's next priorities list. Such investment opportunities are quite rare these days where capital appreciation can show a 200% growth with seemingly less risks involved than any other investment alternates. Growing population, high demand, low prices, investor-friendly regulations, these are the reasons that despite being the smallest of all seven estates, Ajman is next only to Dubai and Abu Dhabi in terms of real estate growth in UAE.
Ajman actually bypasses Dubai and Abu Dhabi as an investment prospect in terms of short-term gains because the prices are significantly low as compared to Dubai. More and more people are looking to live in Ajman, which is only at 30 minutes drive (approx 35 km) from Dubai. Being so close to Dubai and anticipated to grow significantly in coming days, Ajman presents an excellent opportunity for those who were priced out of Dubai property market. Great location, Freehold properties, more than 20 years of tax-free operations, no personal income tax and many other advantages have helped to set Ajman property demand in the right direction.
Ajman, the smallest in United Arab Emirates was the second one to follow in 2004 after Ras Al Khaimah. Ruler of Ajman, Sheikh Humaid Bin Rashid Al Nuaimi Amiri has recently issued new law under Decree No. 7 and 8 for Ajman real estate regulations. The introduction of the new law resulted in immediate price hikes as Ajman cemented its place in the real estate investor's next priorities list. Such investment opportunities are quite rare these days where capital appreciation can show a 200% growth with seemingly less risks involved than any other investment alternates. Growing population, high demand, low prices, investor-friendly regulations, these are the reasons that despite being the smallest of all seven estates, Ajman is next only to Dubai and Abu Dhabi in terms of real estate growth in UAE.
Ajman actually bypasses Dubai and Abu Dhabi as an investment prospect in terms of short-term gains because the prices are significantly low as compared to Dubai. More and more people are looking to live in Ajman, which is only at 30 minutes drive (approx 35 km) from Dubai. Being so close to Dubai and anticipated to grow significantly in coming days, Ajman presents an excellent opportunity for those who were priced out of Dubai property market. Great location, Freehold properties, more than 20 years of tax-free operations, no personal income tax and many other advantages have helped to set Ajman property demand in the right direction.
Don't Let Your Dog Bite Your Homeowner's Insurance
Dog owners, if asked, will usually say that they couldn't see their dog biting someone. However, a third of liability claims resulting from dog bites have taken a chunk out of companies providing homeowner's insurance. Most of these dogs were owned by someone. Most of the time it was someone who was irresponsible towards their dogs, who failed to provide training, socialization and/or control. Many of these people are now paying with higher insurance premiums and sometimes the inability to find an insurance provider that will cover them, their dog or subsequent dogs they own.
That third of homeowner's insurance liability claims does not endear dogs to insurance companies. In fact, many are trying to cover homeowners in everything but their canine companions. Some people have had to resort to dog-specific coverage, even if their dog hasn't bitten anyone. Breed specific exclusions are common, as many insurance companies view certain breeds as too risky to cover. Owners of rottweilers, American pit bull terriers and other breeds identified as "dangerous" can have a hard time getting coverage, even if the dog owner is responsible and controls, socializes and trains their pet.
Socialize and train your dog. Obedience classes are an excellent way to accustom your dog to other people, other dogs and obeying commands with distractions. It also helps bond your dog to you. Dogs appreciate assertive leadership and, while some don't require more than a waggled forefinger and a disapproving, "Bad dog!" to straighten out, respect owners who clearly draw the line. Do not equate this with abuse; while a dog has to have very clear negative consequences, they should be appropriate to the situation and to the dog's temperament. An obedience trainer can best show you how to correct your dog effectively.
Don't anthropomorphize. This four-mile-long word basically means "imbue an animal with human characteristics and values". Your dog cannot have the right to be protective over food, toys or its body. It can't be allowed to make decisions about aggressive behavior. It must be constantly trained that all decisions are made by the Alpha and the Alpha is you. Dogs don't have feelings like human feelings. They cannot be reasoned with; they must be shown how to behave through consistent training and reinforcement.
Do not mistake territoriality with protectiveness. A dog frothing at the mouth and lunging against its lead when you walk it down the street isn't being protective; it's being a menace. Having a dog like this also means that you are not in control of its behavior and it does not look to you for guidance. The same goes for a dog that mindlessly throws itself against the fence when people go by. This is not protectiveness. A truly protective, well adjusted dog has been socialized and trained so that it fits into nearly every family situation and knows when people are behaving normally and when they are threatening. Even then, dogs are not always aware of when protective aggression is called for, so the owner must always be aware of what the dog is doing.
Never leave your dog alone with a very small child or a strange child. Dogs do not have a sense of universal love and responsibility towards all children. They may behave indulgently towards their children, but this does not mean that they will allow other children the same liberties. Dogs should never be expected to take abuse from very small children without retaliation. Keep small children away from the dog unless both are strictly supervised and under direct control.
Always have control of your dog. A dog that will only come when called when it suits the dog is not trained enough to be allowed off lead except in a secured area. When greeting other people, your dog needs to be under control at all times. There is no excuse for allowing your dog to jump all over people or frighten them.
Make sure that your homeowner's insurance covers your dog. Some people have found out that their dog's breed or mere presence means that they are no longer covered under their insurance. Make sure that you get a carrier that knows about the dog's presence in your home and that offers enough coverage to cover a dog bite liability claim. Insurance is in existence because the unthinkable sometimes happens. If it does, it is much better to be covered than not.
Very few people actually want their dog to bite someone and even fewer want their insurance premiums to rocket. Despite this, many people are flirting with financial disaster by not responsibly controlling their pets. Don't let this be you!
That third of homeowner's insurance liability claims does not endear dogs to insurance companies. In fact, many are trying to cover homeowners in everything but their canine companions. Some people have had to resort to dog-specific coverage, even if their dog hasn't bitten anyone. Breed specific exclusions are common, as many insurance companies view certain breeds as too risky to cover. Owners of rottweilers, American pit bull terriers and other breeds identified as "dangerous" can have a hard time getting coverage, even if the dog owner is responsible and controls, socializes and trains their pet.
Socialize and train your dog. Obedience classes are an excellent way to accustom your dog to other people, other dogs and obeying commands with distractions. It also helps bond your dog to you. Dogs appreciate assertive leadership and, while some don't require more than a waggled forefinger and a disapproving, "Bad dog!" to straighten out, respect owners who clearly draw the line. Do not equate this with abuse; while a dog has to have very clear negative consequences, they should be appropriate to the situation and to the dog's temperament. An obedience trainer can best show you how to correct your dog effectively.
Don't anthropomorphize. This four-mile-long word basically means "imbue an animal with human characteristics and values". Your dog cannot have the right to be protective over food, toys or its body. It can't be allowed to make decisions about aggressive behavior. It must be constantly trained that all decisions are made by the Alpha and the Alpha is you. Dogs don't have feelings like human feelings. They cannot be reasoned with; they must be shown how to behave through consistent training and reinforcement.
Do not mistake territoriality with protectiveness. A dog frothing at the mouth and lunging against its lead when you walk it down the street isn't being protective; it's being a menace. Having a dog like this also means that you are not in control of its behavior and it does not look to you for guidance. The same goes for a dog that mindlessly throws itself against the fence when people go by. This is not protectiveness. A truly protective, well adjusted dog has been socialized and trained so that it fits into nearly every family situation and knows when people are behaving normally and when they are threatening. Even then, dogs are not always aware of when protective aggression is called for, so the owner must always be aware of what the dog is doing.
Never leave your dog alone with a very small child or a strange child. Dogs do not have a sense of universal love and responsibility towards all children. They may behave indulgently towards their children, but this does not mean that they will allow other children the same liberties. Dogs should never be expected to take abuse from very small children without retaliation. Keep small children away from the dog unless both are strictly supervised and under direct control.
Always have control of your dog. A dog that will only come when called when it suits the dog is not trained enough to be allowed off lead except in a secured area. When greeting other people, your dog needs to be under control at all times. There is no excuse for allowing your dog to jump all over people or frighten them.
Make sure that your homeowner's insurance covers your dog. Some people have found out that their dog's breed or mere presence means that they are no longer covered under their insurance. Make sure that you get a carrier that knows about the dog's presence in your home and that offers enough coverage to cover a dog bite liability claim. Insurance is in existence because the unthinkable sometimes happens. If it does, it is much better to be covered than not.
Very few people actually want their dog to bite someone and even fewer want their insurance premiums to rocket. Despite this, many people are flirting with financial disaster by not responsibly controlling their pets. Don't let this be you!
BC Homeowners Face Tough Times When Flooding Strikes
Residents of Southern BC have faced tough weather conditions this winter, with buckets of snow wreaking havoc on transportation arteries throughout the mainland as well as Vancouver Island. Rising temperatures and heavy rains are now causing the snow to melt quickly, which is overwhelming waterways and flooding streets and houses.
Chilliwack, for instance has declared a State of Emergency due to dangerous flood conditions. Mudslides are also hitting some homeowners in the Fraser Valley, putting not only property, but lives at risk. The melting snow and rain have caused an overflow in Victoria's sewage system, which has resulted in untreated waste flowing into the waters of the eastern coastline.
With flood waters hitting so many BC communities, homeowners need to know what to do to protect their homes in the event of a flood.
The first thing that BC homeowners need to be aware of is the fact that natural flooding is not covered by standard homeowners insurance. In the event that your pipes burst or city water mains fail, you will be covered for any water damage incurred, but cases of overland flooding are not covered.
According to the Insurance Bureau of Canada, flood insurance is not available in BC because it would not be cost effective. In general, only those who live in high risk areas are willing to pay for flood insurance, which means that insurance premiums would cost homeowners a mint. Flood insurance would only be feasible if more people were willing to pay for it; it would even out the mix of high- and -low risk policy holders, making it a more viable venture for providers.
Some areas are now eligible for financial aid under the Disaster Financial Assistance Program, which is run by the Ministry of Public Safety. This plan is designed to assist homeowners and small business owners whose property has been damaged from an event that is not covered by standard insurance, such as overland flooding. Those who qualify for assistance can receive up to 80% coverage for damages that are between $1000 and $300,000.
Areas that have been approved for assistance from the recent floods and mudslides include Abbotsford, Chilliwack, Surrey, Langley, the Fraser Valley Regional District, and communities along Southern Vancouver Island. If you live within one of these areas, you must submit an application within 90 days of the approved event. To apply, visit the Provincial Emergency Program website at pep.bc.ca.
If you're concerned about flooding in your own home, the best thing you can do is to minimize the amount of water that can get inside the house. If possible, have sewer backflow valves installed to keep floodwaters and sewage from backing up into your drains. If this isn't feasible, you can minimize backflow by stopping all drains with drain plugs, weighing down your toilet lids to keep them closed, and disconnecting dishwashers and washing machines.
Line up sandbags around the perimeter of your home and in front of any vents or openings. If you can't find sandbags locally, fill pillowcases with soil from your garden.
Move everything of value (including important documents) to higher ground. If you have more than one story, move everything to the highest floor. Appliances and furniture should be raised as high as possible, and you should be prepared to turn off gas, water, and electricity. Make sure to have food supplies, bottled drinking water, flashlights, medications, batteries, and a first aid kit with you on an upper floor, and don't forget to grab your pets, some food for them, and a litter tray.
Chilliwack, for instance has declared a State of Emergency due to dangerous flood conditions. Mudslides are also hitting some homeowners in the Fraser Valley, putting not only property, but lives at risk. The melting snow and rain have caused an overflow in Victoria's sewage system, which has resulted in untreated waste flowing into the waters of the eastern coastline.
With flood waters hitting so many BC communities, homeowners need to know what to do to protect their homes in the event of a flood.
The first thing that BC homeowners need to be aware of is the fact that natural flooding is not covered by standard homeowners insurance. In the event that your pipes burst or city water mains fail, you will be covered for any water damage incurred, but cases of overland flooding are not covered.
According to the Insurance Bureau of Canada, flood insurance is not available in BC because it would not be cost effective. In general, only those who live in high risk areas are willing to pay for flood insurance, which means that insurance premiums would cost homeowners a mint. Flood insurance would only be feasible if more people were willing to pay for it; it would even out the mix of high- and -low risk policy holders, making it a more viable venture for providers.
Some areas are now eligible for financial aid under the Disaster Financial Assistance Program, which is run by the Ministry of Public Safety. This plan is designed to assist homeowners and small business owners whose property has been damaged from an event that is not covered by standard insurance, such as overland flooding. Those who qualify for assistance can receive up to 80% coverage for damages that are between $1000 and $300,000.
Areas that have been approved for assistance from the recent floods and mudslides include Abbotsford, Chilliwack, Surrey, Langley, the Fraser Valley Regional District, and communities along Southern Vancouver Island. If you live within one of these areas, you must submit an application within 90 days of the approved event. To apply, visit the Provincial Emergency Program website at pep.bc.ca.
If you're concerned about flooding in your own home, the best thing you can do is to minimize the amount of water that can get inside the house. If possible, have sewer backflow valves installed to keep floodwaters and sewage from backing up into your drains. If this isn't feasible, you can minimize backflow by stopping all drains with drain plugs, weighing down your toilet lids to keep them closed, and disconnecting dishwashers and washing machines.
Line up sandbags around the perimeter of your home and in front of any vents or openings. If you can't find sandbags locally, fill pillowcases with soil from your garden.
Move everything of value (including important documents) to higher ground. If you have more than one story, move everything to the highest floor. Appliances and furniture should be raised as high as possible, and you should be prepared to turn off gas, water, and electricity. Make sure to have food supplies, bottled drinking water, flashlights, medications, batteries, and a first aid kit with you on an upper floor, and don't forget to grab your pets, some food for them, and a litter tray.
Property auction at a lesser price
Many properties have repossessed this year. Due to recession, there has been an increase in home repossession. According to a survey, there were nearly 19,000 properties that were repossessed in the first half of 2008. It is not easy to digest who have lost their houses. If you are planning to buy your dream home at a reasonable price, you can look for those repossessed properties which are now available for auction, at a lesser price. If you would have purchased a new home you would have paid 50 percent more but if you buy the same house through auction you will pay half the amount. In the past three years there has been an increase in the percentage of repossessed properties that are auctioned by over 300 per cent. In numbers the repossessed properties that were auctioned were nearly 3,102 in the first half of 2008 from 800 in the first half of 2005.
A survey from the Royal Institute of Chartered Surveyors tells that the properties that were sold easily through auction over the past three years are going through a bad phase due to credit crunch. But there is a plus point with less competition in auction you can bargain for the property at a price you wish to buy. Many bankers and lenders sell repossessed properties on a single day itself because they want to receive their amount and so they don’t wait for achieving a higher price. Due to this many properties are sold at a low price which is enabling investors to get some excellent deals. Even newly build flats are being sold at huge discounts. If you buy a property at auction you can save as much as half the value of the property. But remember before you step into the auction room do your homework well.
See to it that you auction the property at a price that you can afford, because if you raise your hand once you have to buy the property. The timescale that is involved in a property auction is much tighter when compared to real estate agent. If you’re planning to buy a property through auction see to it that your finances are in place, as there is limited time frame. You have to make 10 percent of the purchase price on the day of auction and the rest within 28 days. So contact a lender in advance who will help you out. Many lenders will not be able to process the mortgage application in such a limited period of time. So it would be better if you take guidance of a good broker. Remember to inspect the property properly before going for a bid. Some auction properties have legal minefields like bad titles of ownership. So try to spot it in advance. On the day of the bid you should have 10 per cent of your maximum bid, solicitor’s bid, two forms of identification and auction catalogue. If you don’t carry these don’t go for a bid.
A survey from the Royal Institute of Chartered Surveyors tells that the properties that were sold easily through auction over the past three years are going through a bad phase due to credit crunch. But there is a plus point with less competition in auction you can bargain for the property at a price you wish to buy. Many bankers and lenders sell repossessed properties on a single day itself because they want to receive their amount and so they don’t wait for achieving a higher price. Due to this many properties are sold at a low price which is enabling investors to get some excellent deals. Even newly build flats are being sold at huge discounts. If you buy a property at auction you can save as much as half the value of the property. But remember before you step into the auction room do your homework well.
See to it that you auction the property at a price that you can afford, because if you raise your hand once you have to buy the property. The timescale that is involved in a property auction is much tighter when compared to real estate agent. If you’re planning to buy a property through auction see to it that your finances are in place, as there is limited time frame. You have to make 10 percent of the purchase price on the day of auction and the rest within 28 days. So contact a lender in advance who will help you out. Many lenders will not be able to process the mortgage application in such a limited period of time. So it would be better if you take guidance of a good broker. Remember to inspect the property properly before going for a bid. Some auction properties have legal minefields like bad titles of ownership. So try to spot it in advance. On the day of the bid you should have 10 per cent of your maximum bid, solicitor’s bid, two forms of identification and auction catalogue. If you don’t carry these don’t go for a bid.
What Else Can Your Home Do For You?
“What do you mean, what *else* can my home do for me?” you say. “A home is to live in and build equity; isn’t that enough?” Well, yes and no. If you just want a straightforward home with a straightforward mortgage, you don’t have to bother answering this question. Most people don’t and do fine. But if you’re wondering how you can buy a home that provides the maximum amount of income and/or the minimum amount of expense, read on!Ways your home can be used to make money or minimize expenditure:
Multifamily homes
Everything from duplexes to apartment units can be shared with other people to save money on maintenance, repairs and electricity. Consider teaming up with friends or family members to buy a home that will provide both parties with the benefits of a private single-family home for a smaller price.
Gardens
1 acre or even several pots on a balcony can add fresh fruit, vegetables and herbs to your diet. Many plants can also be raised indoors, making the air fresher.
Livestock
Even some suburban homes support a few chickens or rabbits grown for eggs and meat.
Home business
Save on overhead by working at home. Whether you do office work or childcare, you can save on transportation, food and clothing.
Space for repairs and construction
A home with the space to create and repair appliances, tools and clothing can save you a lot of money in the long run.
Cheap or free heating
Does the home have heating that you can fuel yourself for cheap, like a fireplace wood stove, pellet stove or some other kind of heating appliance that doesn’t require connection to the electric grid? Wood stoves can double as cooking appliances, so don’t discount their value for cooking meals and making hot drinks.
Energy-efficiency
Is the home energy-efficient? Today, such programs as EnergyStar certify homes and appliances for their efficiency in conserving resources like electricity and water. Can you add more systems to take your home further off the grid, like wind turbines and/or solar paneling?
Environmental friendliness
A home that is eco-friendly is also easier on your health and your wallet in the long run. There are many healthy alternatives to standard chemical-laden building materials, décor and protectants. Look for sustainable natural materials and low or no VOC (volatile organic compounds) paints, treatments and stains.
Walkability
Buying a home that is close to amenities you visit often can save you money on gas and improve your health.
When you want to live frugally and use your home as a way to maintain an economical lifestyle, it’s a smart idea to buy with these things in mind. A home that provides some or all of these options can save you money and put a little in your pocket.
Multifamily homes
Everything from duplexes to apartment units can be shared with other people to save money on maintenance, repairs and electricity. Consider teaming up with friends or family members to buy a home that will provide both parties with the benefits of a private single-family home for a smaller price.
Gardens
1 acre or even several pots on a balcony can add fresh fruit, vegetables and herbs to your diet. Many plants can also be raised indoors, making the air fresher.
Livestock
Even some suburban homes support a few chickens or rabbits grown for eggs and meat.
Home business
Save on overhead by working at home. Whether you do office work or childcare, you can save on transportation, food and clothing.
Space for repairs and construction
A home with the space to create and repair appliances, tools and clothing can save you a lot of money in the long run.
Cheap or free heating
Does the home have heating that you can fuel yourself for cheap, like a fireplace wood stove, pellet stove or some other kind of heating appliance that doesn’t require connection to the electric grid? Wood stoves can double as cooking appliances, so don’t discount their value for cooking meals and making hot drinks.
Energy-efficiency
Is the home energy-efficient? Today, such programs as EnergyStar certify homes and appliances for their efficiency in conserving resources like electricity and water. Can you add more systems to take your home further off the grid, like wind turbines and/or solar paneling?
Environmental friendliness
A home that is eco-friendly is also easier on your health and your wallet in the long run. There are many healthy alternatives to standard chemical-laden building materials, décor and protectants. Look for sustainable natural materials and low or no VOC (volatile organic compounds) paints, treatments and stains.
Walkability
Buying a home that is close to amenities you visit often can save you money on gas and improve your health.
When you want to live frugally and use your home as a way to maintain an economical lifestyle, it’s a smart idea to buy with these things in mind. A home that provides some or all of these options can save you money and put a little in your pocket.
Poop Your Way Free of Back Pain
Whether you have flat abs or a beer belly, you can experience pain due to excess abdominal gas and excess fecal matter in your intestines. It has been said that if you have only one bowel movement a day, you have up to eight meals left in your intestines. Gas can develop in a matter of hours after eating and stay around for a long time so listen up.
How does this relate to back pain? Allow me to explain… Abdominal gas can be devastating to the back-pain sufferer, especially one who is trying to take a more natural approach and is using stretching and exercise to get relief. Here's why: The position of your pelvis and the curvature of your spine are the two biggest factors that affect any condition that causes back pain. Even if the treatment you are using is a good one, your results will be hindered by a distended belly.
Big Belly Gas Pains
Let me give you an example: Suppose the last thing you eat at night is fruit. Your body will begin to digest it, and because fruit ferments very quickly, gas will be an automatic byproduct of that breakdown. Without any other food matter to push the gas along, it will get trapped. All night long your body will be fighting the effects of that gas, and you will wake up in the morning with killer back pain.
That's why I never recommend fruit as a midnight snack. Right now you may be thinking: What's so bad about a little gas? Answer: If your belly gets distended—much like a pregnant women—your abdominals are going to get stretched out, which means they are not going to be able to stabilize your pelvis as they should.
There is no amount of abdominal strengthening you could do to overcome the outward push of that abdominal gas. If your belly is distended, you will never achieve the neutral position for the pelvis that you need to get relief.
Flat Abs Gas Pains
I know what some of you are going to say: "But what if I have flat abs and back pain?" Even if you have rock-hard abs, the gas—instead of pushing your belly outward—could be pushing your intestines back into your spine and the muscle of your spine. That irritation of your intestines could be just as bad as, if not worse than, the outward forces. In either case, you will be amazed at how fast you'll get relief if you work on getting that gas out of your system.
5 Things You'd Rather Not Know
If having too much gas was not bad enough, there are at least five other irritating conditions that can affect your back pain due to improper bowel movement.
1. Most people are chronically dehydrated, which usually leads to constipation. Other reasons you might be constipated include the medications you are taking and the foods you eat. With constipation, you go through your day with excess pressure on your bowels. And whenever your colon is full of waste matter, it will be stiff and rigid. Because your colon is so close to your spine and the muscle of your spine, mobility becomes an issue, not to mention more pain.
2. Constipation creates strain. If your fecal matter is dry, hard, and difficult to eliminate, you will have to work harder to get rid of it. This can be murder on your body—your blood pressure spikes, your rectum is traumatized, and the pressure on your spine is tremendous.
3. Food allergies cause inflammation. Whether we know it or not, many of us have food allergies (nuts, wheat, milk, beans, etc.). With any allergies, you will have an inflammatory reaction, and the inflammation that emanates from your intestinal track is so close to your spine that the inflammation is going to affect the muscle of your spine.
4. Poor nutrient absorption can add pounds. A digestive track that is not absorbing nutrients properly will not allow your body to get the nutrients it needs to repair itself. This can bring on a chronic cycle of eating to try to satisfy your nutritional needs, which likely will lead to weight gain.
5. Stress on internal organs weakens tissue. The weight of the excess stool will put stress on your internal organs—your stomach, small intestines, and large intestines, all of which are held in place by very delicate fibrous connective tissue. As that connective tissue is weighed down over time, it will start to fail than sag and than your trouble are going to be compounded.
Poop Away Pain
Most people would do almost anything to get rid of their back pain. If you are undergoing any type of treatment (including the principles of Muscle Balance Therapy™) and want to improve your odds of getting relief sooner, try these tips:
• Drink more water. A good rule of thumb is to drink one ounce of water for every two pounds of your body weight. For instance, if you weigh 100 pounds, drink at least 50 ounces of water each day.
• Give yourself a visceral massage (called Sun-Moon). To begin, lie on your back and with both hands starting just above your right hip, apply inward pressure on your abdomen, going straight up to the bottom of your rib cage. Then follow along the bottom of the rib cage to the left and then down to the top of the left hip. Go slow and repeat to tolerance.
• Try Hydro Colon Therapy. Also know as colonic irrigation, it is a highly effective, although somewhat uncomfortable, method of flushing out the colon, or large intestine. Similar to an enema but more extensive, this procedure can be pricey (it has to be done by a trained professional).
• A less-invasive option is to find a good all-natural colon-cleansing product. Many of the new formulations taste okay, work gently, and cause no cramping or bloating. Most of these products begin to work overnight. The better products come with an anti-parasitic and an herbal tea.
To get the best results from whatever back pain treatment you are trying right now, do yourself a favor and drink more water and cleanse your colon. You will be amazed at the results and your waist line will love you too…
How does this relate to back pain? Allow me to explain… Abdominal gas can be devastating to the back-pain sufferer, especially one who is trying to take a more natural approach and is using stretching and exercise to get relief. Here's why: The position of your pelvis and the curvature of your spine are the two biggest factors that affect any condition that causes back pain. Even if the treatment you are using is a good one, your results will be hindered by a distended belly.
Big Belly Gas Pains
Let me give you an example: Suppose the last thing you eat at night is fruit. Your body will begin to digest it, and because fruit ferments very quickly, gas will be an automatic byproduct of that breakdown. Without any other food matter to push the gas along, it will get trapped. All night long your body will be fighting the effects of that gas, and you will wake up in the morning with killer back pain.
That's why I never recommend fruit as a midnight snack. Right now you may be thinking: What's so bad about a little gas? Answer: If your belly gets distended—much like a pregnant women—your abdominals are going to get stretched out, which means they are not going to be able to stabilize your pelvis as they should.
There is no amount of abdominal strengthening you could do to overcome the outward push of that abdominal gas. If your belly is distended, you will never achieve the neutral position for the pelvis that you need to get relief.
Flat Abs Gas Pains
I know what some of you are going to say: "But what if I have flat abs and back pain?" Even if you have rock-hard abs, the gas—instead of pushing your belly outward—could be pushing your intestines back into your spine and the muscle of your spine. That irritation of your intestines could be just as bad as, if not worse than, the outward forces. In either case, you will be amazed at how fast you'll get relief if you work on getting that gas out of your system.
5 Things You'd Rather Not Know
If having too much gas was not bad enough, there are at least five other irritating conditions that can affect your back pain due to improper bowel movement.
1. Most people are chronically dehydrated, which usually leads to constipation. Other reasons you might be constipated include the medications you are taking and the foods you eat. With constipation, you go through your day with excess pressure on your bowels. And whenever your colon is full of waste matter, it will be stiff and rigid. Because your colon is so close to your spine and the muscle of your spine, mobility becomes an issue, not to mention more pain.
2. Constipation creates strain. If your fecal matter is dry, hard, and difficult to eliminate, you will have to work harder to get rid of it. This can be murder on your body—your blood pressure spikes, your rectum is traumatized, and the pressure on your spine is tremendous.
3. Food allergies cause inflammation. Whether we know it or not, many of us have food allergies (nuts, wheat, milk, beans, etc.). With any allergies, you will have an inflammatory reaction, and the inflammation that emanates from your intestinal track is so close to your spine that the inflammation is going to affect the muscle of your spine.
4. Poor nutrient absorption can add pounds. A digestive track that is not absorbing nutrients properly will not allow your body to get the nutrients it needs to repair itself. This can bring on a chronic cycle of eating to try to satisfy your nutritional needs, which likely will lead to weight gain.
5. Stress on internal organs weakens tissue. The weight of the excess stool will put stress on your internal organs—your stomach, small intestines, and large intestines, all of which are held in place by very delicate fibrous connective tissue. As that connective tissue is weighed down over time, it will start to fail than sag and than your trouble are going to be compounded.
Poop Away Pain
Most people would do almost anything to get rid of their back pain. If you are undergoing any type of treatment (including the principles of Muscle Balance Therapy™) and want to improve your odds of getting relief sooner, try these tips:
• Drink more water. A good rule of thumb is to drink one ounce of water for every two pounds of your body weight. For instance, if you weigh 100 pounds, drink at least 50 ounces of water each day.
• Give yourself a visceral massage (called Sun-Moon). To begin, lie on your back and with both hands starting just above your right hip, apply inward pressure on your abdomen, going straight up to the bottom of your rib cage. Then follow along the bottom of the rib cage to the left and then down to the top of the left hip. Go slow and repeat to tolerance.
• Try Hydro Colon Therapy. Also know as colonic irrigation, it is a highly effective, although somewhat uncomfortable, method of flushing out the colon, or large intestine. Similar to an enema but more extensive, this procedure can be pricey (it has to be done by a trained professional).
• A less-invasive option is to find a good all-natural colon-cleansing product. Many of the new formulations taste okay, work gently, and cause no cramping or bloating. Most of these products begin to work overnight. The better products come with an anti-parasitic and an herbal tea.
To get the best results from whatever back pain treatment you are trying right now, do yourself a favor and drink more water and cleanse your colon. You will be amazed at the results and your waist line will love you too…
Effective Back Pain Exercises
The answer to a healthy back is appropriate exercise. The problems associated with back pain can be minimized with exercises. It is widely known that regular exercises will improve the appearance and health in general, but very few realize the benefits that good physical conditioning can have on their back pain.
The benefit of exercises for the back depends on the following three key principles:
To attain satisfactory aerobic fitness. To focus part of the exercising on the muscle groups that supports the back. To avoid exercises that cause heavy stresses on the back
The right kind of exercise program helps in keeping the back pain under control and can make it easier to continue doing the daily chores. A break from vigorous exercise can be taken if the pain becomes worse. A Doctor or physiotherapist can be consulted before starting an exercise program for deciding on the type of exercises that can be done to relieve back pain and to stay fit.
Warm up is important before exercise and deep inhaling has to be repeated before each exercise. Regular exercise helps a lot and if it is skipped for a day, unavoidably walking can compensate it, to some extent.
Exercises to strengthen the back and hip muscles:
Wall slides exercise helps to strengthen the back and hip muscles. Leg muscles also get relieved. By standing against a wall on the back, try to slide down with knees bent. The bend should be 90 degrees and count till 5. Then come back to standing posture. This has to be continued for five times.
Raising the leg also helps in strengthening back and hip muscles. Lay down on the stomach. Try to tighten the muscles of a leg and bring it up. Count till 10 and bring it down. Continue this for 5 times each for both the legs.
Sitting up partially strengthens the abdomen muscles. Lie on the back and keep the knees bent. Raise the head and shoulder above the floor and try to reach the knees with hands. Leg rising also benefits stomach and hip muscles.
Exercises to minimize the back pain:
An aerobic conditioning program for 30 minutes, thrice a week is ideal for overall fitness. Recommended aerobic exercise includes Bicycling, swimming and brisk walking. Aggravation of low back pain can happen if step aerobics and exercises like jumping and running are practiced. Aerobic exercises make the heart and other muscles consume oxygen more efficiently.
Swinging back legs could strengthen the muscles of hip and back. Stand in the back of a chair and raise a leg up and down without bending the knee. Repeat this for each leg.Posture training for sitting, standing, sleeping and even during motion is needed if posture is a factor. The type of shoes viz. High Heels that are worn can also affect the posture by adding more stress on the lower back by changing the posture.
Stretching exercises can be done for keeping the muscles flexible and less prone to injury.
Physical therapy: There are different forms of physical therapy viz. Passive Physical therapy and Active Physical therapy. Passive physical therapy includes Heat/Ice packs, TENS units and Iontophoresis. Active Physical therapy is the exercises like Stretching for back pain exercise, Low-impact aerobic conditioning and strengthening for back pain exercise.
While there are merits if a pattern of good conditioning is followed the wrong type of exercise may actually worsen the low back pain. Activities that pass on too much stress on the back like lifting heavy weights, jumping, running, step aerobics and climbing are not advised. Slow Cycling on a recumbent stationary bike can also relieve back stress. To sum up, exercise will decrease the severity and frequency of lower back pain and can be prevented when a comprehensive exercise program is followed.
The benefit of exercises for the back depends on the following three key principles:
To attain satisfactory aerobic fitness. To focus part of the exercising on the muscle groups that supports the back. To avoid exercises that cause heavy stresses on the back
The right kind of exercise program helps in keeping the back pain under control and can make it easier to continue doing the daily chores. A break from vigorous exercise can be taken if the pain becomes worse. A Doctor or physiotherapist can be consulted before starting an exercise program for deciding on the type of exercises that can be done to relieve back pain and to stay fit.
Warm up is important before exercise and deep inhaling has to be repeated before each exercise. Regular exercise helps a lot and if it is skipped for a day, unavoidably walking can compensate it, to some extent.
Exercises to strengthen the back and hip muscles:
Wall slides exercise helps to strengthen the back and hip muscles. Leg muscles also get relieved. By standing against a wall on the back, try to slide down with knees bent. The bend should be 90 degrees and count till 5. Then come back to standing posture. This has to be continued for five times.
Raising the leg also helps in strengthening back and hip muscles. Lay down on the stomach. Try to tighten the muscles of a leg and bring it up. Count till 10 and bring it down. Continue this for 5 times each for both the legs.
Sitting up partially strengthens the abdomen muscles. Lie on the back and keep the knees bent. Raise the head and shoulder above the floor and try to reach the knees with hands. Leg rising also benefits stomach and hip muscles.
Exercises to minimize the back pain:
An aerobic conditioning program for 30 minutes, thrice a week is ideal for overall fitness. Recommended aerobic exercise includes Bicycling, swimming and brisk walking. Aggravation of low back pain can happen if step aerobics and exercises like jumping and running are practiced. Aerobic exercises make the heart and other muscles consume oxygen more efficiently.
Swinging back legs could strengthen the muscles of hip and back. Stand in the back of a chair and raise a leg up and down without bending the knee. Repeat this for each leg.Posture training for sitting, standing, sleeping and even during motion is needed if posture is a factor. The type of shoes viz. High Heels that are worn can also affect the posture by adding more stress on the lower back by changing the posture.
Stretching exercises can be done for keeping the muscles flexible and less prone to injury.
Physical therapy: There are different forms of physical therapy viz. Passive Physical therapy and Active Physical therapy. Passive physical therapy includes Heat/Ice packs, TENS units and Iontophoresis. Active Physical therapy is the exercises like Stretching for back pain exercise, Low-impact aerobic conditioning and strengthening for back pain exercise.
While there are merits if a pattern of good conditioning is followed the wrong type of exercise may actually worsen the low back pain. Activities that pass on too much stress on the back like lifting heavy weights, jumping, running, step aerobics and climbing are not advised. Slow Cycling on a recumbent stationary bike can also relieve back stress. To sum up, exercise will decrease the severity and frequency of lower back pain and can be prevented when a comprehensive exercise program is followed.
Back Pain – Causes, Diagnosis And Yoga Tips
If you've ever groaned, "Oh, my aching back!", you are not alone. Back pain is one of the most common medical problems, affecting 8 out of 10 people at some point during their lives.
Back pain can range from a dull, constant ache to a sudden, sharp pain. Acute back pain comes on suddenly and usually lasts from a few days to a few weeks. Back pain is called chronic if it lasts for more than three months.
Most back pain goes away on its own, though it may take awhile. Taking over-the-counter pain relievers and resting can help. However, staying in bed for more than 1 or 2 days can make it worse. Acute or short-term low back pain generally lasts from a few days to a few weeks.
Most acute back pain is the result of trauma to the lower back or a disorder such as arthritis. Pain from trauma may be caused by a sports injury, work around the house or in the garden, or a sudden jolt such as a car accident or other stress on spinal bones and tissues. Symptoms may range from muscle ache to shooting or stabbing pain, limited flexibility and range of motion, or an inability to stand straight. Chronic back pain is pain that persists for more than 3 months. It is often progressive and the cause can be difficult to determine.The lower back is a complex area that connects the upper body (including the chest and arms) to the lower body (including the pelvis and legs). The lower back is composed of several vertebrae, disks of soft cartilage, muscles, joints, ligaments, and nerve tissue.DiagnosisBlood and urine tests will make sure the pain is not due to an infection or other systemic problem.
X-rays are useful in pinpointing broken bones or other skeletal defects. They can sometimes help locate problems in connective tissue. To analyze soft-tissue damage, computed tomography (CT) or magnetic resonance imaging (MRI) scans may be needed. X-rays and imaging studies are generally used only for checking out direct trauma to the back, back pain with fever, or nerve problems such as extremity weakness or numbness. To determine possible nerve or muscle damage, an electromyogram (EMG) can be useful.
Structural problems
In some cases, back pain may be caused by structural problems, such as: · Bulging or ruptured disks. Disks act as cushions between the vertebrae in your spine. Sometimes, the soft material inside a disk may bulge out of place or rupture and press on a nerve. But many people who have bulging or herniated disks experience no pain from the condition.· Sciatica. If a bulging or herniated disk presses on the main nerve that travels down your leg, it can cause sciatica — sharp, shooting pain through the buttock and back of the leg.
Below are some best yoga poses for strengthen the lower back:1.During the first week, practice the following yoga asanas:2.Pawan Mukta Asana, Bhunga Asana, Shalabha Asana, Uttanpada Asana, Shava Asana 3.From the second week onwards, the order of yoga practice should be as mentioned below:4.Pawan Mukta Asana, Bhunga Asana, Shalabha Asana, Uttanpada Asana, Ekpada Uttan Asana, Rechaka-Puraka Pranayama, Shava Asana
Back pain can range from a dull, constant ache to a sudden, sharp pain. Acute back pain comes on suddenly and usually lasts from a few days to a few weeks. Back pain is called chronic if it lasts for more than three months.
Most back pain goes away on its own, though it may take awhile. Taking over-the-counter pain relievers and resting can help. However, staying in bed for more than 1 or 2 days can make it worse. Acute or short-term low back pain generally lasts from a few days to a few weeks.
Most acute back pain is the result of trauma to the lower back or a disorder such as arthritis. Pain from trauma may be caused by a sports injury, work around the house or in the garden, or a sudden jolt such as a car accident or other stress on spinal bones and tissues. Symptoms may range from muscle ache to shooting or stabbing pain, limited flexibility and range of motion, or an inability to stand straight. Chronic back pain is pain that persists for more than 3 months. It is often progressive and the cause can be difficult to determine.The lower back is a complex area that connects the upper body (including the chest and arms) to the lower body (including the pelvis and legs). The lower back is composed of several vertebrae, disks of soft cartilage, muscles, joints, ligaments, and nerve tissue.DiagnosisBlood and urine tests will make sure the pain is not due to an infection or other systemic problem.
X-rays are useful in pinpointing broken bones or other skeletal defects. They can sometimes help locate problems in connective tissue. To analyze soft-tissue damage, computed tomography (CT) or magnetic resonance imaging (MRI) scans may be needed. X-rays and imaging studies are generally used only for checking out direct trauma to the back, back pain with fever, or nerve problems such as extremity weakness or numbness. To determine possible nerve or muscle damage, an electromyogram (EMG) can be useful.
Structural problems
In some cases, back pain may be caused by structural problems, such as: · Bulging or ruptured disks. Disks act as cushions between the vertebrae in your spine. Sometimes, the soft material inside a disk may bulge out of place or rupture and press on a nerve. But many people who have bulging or herniated disks experience no pain from the condition.· Sciatica. If a bulging or herniated disk presses on the main nerve that travels down your leg, it can cause sciatica — sharp, shooting pain through the buttock and back of the leg.
Below are some best yoga poses for strengthen the lower back:1.During the first week, practice the following yoga asanas:2.Pawan Mukta Asana, Bhunga Asana, Shalabha Asana, Uttanpada Asana, Shava Asana 3.From the second week onwards, the order of yoga practice should be as mentioned below:4.Pawan Mukta Asana, Bhunga Asana, Shalabha Asana, Uttanpada Asana, Ekpada Uttan Asana, Rechaka-Puraka Pranayama, Shava Asana
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