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Proximate Cause – Mitigation

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The insured should mitigate the loss insured, where possible. A failure to do so might enable the insurer to say that the loss was not proximately caused by an insured peril but rather by the fault of the insured. However, in doing so he might increase the loss, or cause a loss which is not covered by the policy. He will be able to recover if he acted reasonably and the loss can still be directly linked to the insured risk, so that he has not taken any steps which constitute a navus actus interueniens.

– A storm blows down the gabled wall of a timber building. The falling wall breaks the electrical wiring which short circuits and sparks, causing a fire in the timber building. The fire brigade use water hoses to put out the fire and cool neighbouring buildings. However, the water causes damage to the unburnt contents of the timber building and the neighbouring buildings. There is a direct line of causation between the storm and the water damage (Stanley v. Western Insurance Co. (1868) LR 3 Ex 71).

– A fire starts in a building and the insured throws furniture out of a window in an attempt to save it. The furniture is damaged on impact with the ground.

Positive action by the insured to avoid or mitigate a loss does not generally break the chain of causation, as long as he acts reasonably. Thus the proximate cause of the loss is fire. Even where the policy excludes cover for property removed from the premises, the exclusion will not apply where the insured property is removed for its own safety (Marsdenw. City & County Assurance Co. [1866] LR 1 CP 232). Similarly, if the property is stolen shordy afterwards, the loss is covered by the fire insurance (Levy v. Baillie (1831) 7 Bing 349) unless the insurer could demonstrate that the insured acted unreasonably in not taking steps to prevent theft, or to minimise other damage, e.g. from the weather, as the theft or weather damage would be a new act which breaks the chain.

– A fire causes a fire alarm to go off. Employees leave the building but the production process in operation cannot be delayed or stopped without damaging the goods. The proximate cause of any damage to the goods resulting from a stoppage in the production process would be fire. If, however, the fire alarm was rung falsely, or there was no reason for the employees to leave the building, the proximate cause of the damage to the goods being processed would not be fire, as the risk itself has not commenced (Watson & Sons Ltd. v. Firemen’s Fund Insurance Co. of San Francisco [1922] 2 KB 355). The proximate cause of damage caused by departure after a false fire alarm is the negligence of the person setting it off. This will always be a question of fact.

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Drinking Water, Hemorrhoids and Alcohol Consumption

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There is a lot to be shared about the connection between drinking water, hemorrhoids (piles) and excessive alcohol consumption. The news media, health blogs and healthy living magazines constantly remind people to drink more water for better health.

We all know water is better for us than soda, sugary drinks and all the other liquids most people prefer to drink than simple water. But we all have cravings. I used to drink lots of soda thinking I was getting enough water from it.

These same health sources also warn that excessive alcohol consumption and hemorrhoids are a painful reality for many heavy drinkers. Piles are inflamed anal veins that grow into small or large masses inside or outside of the anus.

They are commonly known as internal or external hemorrhoids or external piles and internal piles. Hemorrhoid symptoms are chronic itching in and around the rectal cavity. They also cause a stinging burning pain that makes walking or even sitting extremely painful. Severe inflammation of anus veins can cause bleeding from the anal region that can be scary.

Let’s look at drinking water, excessive alcohol consumption and hemorrhoids a little more closely.

Drinking Water and Hemorrhoids

Water is absolutely essential in digestion, absorption of nutrients and bodily waste elimination through urination and bowel movements. Health experts recommend as a general rule of thumb to drink at least eight 8-ounce glasses of fluid a day. If you’re exercising or losing bodily fluids more rapidly you’ll need to drink more, but the “8 x 8” rule is a good to gauge follow.

Drinking water helps prevent chronic constipation, which can play a big role in developing piles. Straining when passing bowel movements can lead to blood swollen veins around the anal region. When a person’s body is not properly hydrated from drinking enough water constipation can happen that causes painful piles to develop internally or externally.

Dehydration is significant contributor to hemorrhoids. Drinking plenty of water can greatly reduce the risk of getting this condition that effects millions of people yearly. It can be caused by digestive problems due to poor body hydration. You would be amazed at how many cases could be prevented using the “8×8” rule.

Chronic diarrhea is another major cause of piles forming. Diarrhea’s spastic motion adds a tremendous amount of unhealthy pressure to the anus that can cause straining like with constipation. Strong spastic pressure on the anus that can also cause anal fissures besides inflamed anal veins.

When people do develop hemorrhoids their doctors always tell them to drink plenty of water to help flush out toxins while keeping their digestive system healthy to prevent a future outbreak.

If you don’t like the taste of tap water or want to live eco-friendly avoiding bottled water invest in an affordable water purifier for the kitchen faucet.

As a former hemorrhoid sufferer who went through laser surgery in Los Angeles I make sure I drink plenty of water daily. Hydrate to beat them!

Excessive Alcohol Consumption and Hemorrhoids

By no means am I telling people not to drink. I enjoy one glass of red wine with dinner most nights. My doctor told me it was good for my heart in moderation. If I’m at a dinner party it’s not uncommon for me to have two or three glasses of red wine while enjoying good company.

When I go fishing or camping with family and friends I enjoy more than a few bottles of Sierra Nevada Pale Ale. As I’ve got older in life I’ve learned my drinking limits and no when to not push it to excessive alcohol consumption.

Where excessive alcohol consumption and hemorrhoids becomes a dangerous mix is when it comes to heavy or binge drinking. College was my first experience with excessive alcohol consumption and piles. I wasn’t drinking enough water or eating right. My sophomore year I developed a very small external hemorrhoid.

It still hurt like an itchy fiery bee sting and I was embarrassed to tell my friends. My parents took me to a doctor who prescribed me a non-steroidal anti-inflammatory drug (NSAID) to treat it and eliminate it. The growth was very small and was caught early, so it could be treated without surgery or banding. There are other many excellent hemorrhoidal products you can buy online for hemorrhoid relief and treatment.

Alcohol dehydrates the body badly and robs it of precious vitamins. Most people when they drink alcohol skip drinking water in between alcoholic beverages and don’t take a vitamin for a day or night of drinking.

Heavy drinkers have a higher risk of getting this rectal condition because of alcohol dehydration and lack of vitamins in their bodies. It’s recommended to take a multivitamin 4 hours before drinking alcohol. When you drink alcohol make sure to take your vitamins.

Drinking too much alcohol can cause severe constipation and small, dry stools that are tough to pass during bowel movements. The strain and pressure to pass a bowel movement makes the veins in and around the anus inflamed. This is a major factor to internal and external piles developing.

People that consume alcohol excessively will commonly experience digestive and bowel movement problems. This is because alcohol in any common form (beer, wine, whiskey etc.) acts as a diuretic that will dehydrate the alcohol drinker.

A person who is dehydrated normally experiences constipation and is forced to severely strain when passing bowel movements. Binge drinking can also lead to highly elevated blood pressure, which in turn increases the pressure to delicate veins in and around the anus.

The important thing is to drink water even when you’re drinking alcohol to stay well hydrated. Dehydration, constipation and diarrhea contribute heavily to hemorrhoid risk or can make a current hemorrhoid condition worse. Water is your friend when it comes to hemorrhoids. Excessive alcohol consumption and hemorrhoids are two things to avoid if you can.

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Prolific Virtual Assistance Services

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Outsourcing has become a common practice among all the business owners. They are looking for established companies who can offer their business with effectual and consistent services at cost-effective rates. India has become the leading offshore outsourcing country in the world. Do you know the reason why?

More and more global companies and business entrepreneurs are choosing Indian outsourcing companies for many reasons such as nominal and high-quality services, skilled labor, increased productivity and efficiency, reduced operating costs and many more. Whether it is research assistance or data entry assistance, Indian companies have everything to offer.

There has been a great evolution of virtual assistants services concept for the past many years. Due to the advancement in internet access and remote login tools, many small-sized companies are moving towards virtual service providers for efficacious and cost-effective services.

Who is a virtual office assistant provider?

A virtual employee is like a regular employee who provides your business with administrative, technical or virtual assistance, depending on the business needs. A virtual associate works from a remote office and performs all the daily base office tasks with complete exactitude.

You must be wondering whether the virtual service provider offers other professional services or not. Virtual office assistant providers offer basic office services as well as professional services like: data entry services, executive, research assistance services, etc.

In this kind of service, there’s no need of face to face interaction. You can communicate with your virtual associate via: email, telephone or some common software as it saves both money and time.

Some of the services offered by virtual service providers include: administrative assistance, internet research assistance, data entry assistance, executive assistance, Craigslist assistance, etc.

There are many companies in India who offer inimitable and ingenuous virtual assistance service for the clients at nominal rates. You just have to find the right one according to your business needs. Before choosing a virtual assistant company for your business, make sure the company offers the following:

  • The company has a team of highly talented and versed professionals who can work under extreme pressure and deliver impeccable results for your business.
  • The virtual office assistants offer potent virtual assistants services at faster turnaround times (TAT’s).
  • The company offers services at low-hourly rates.
  • The virtual associate company keeps you regularly updated with the latest trends
  • The company provides a 247 customer support for the virtual office assistance queries, etc.

Keeping these points in mind, you can get a perfect virtual assistant company for your business.

With a virtual service provider, you can work on your important projects and handle cliental meetings rather than wasting time in performing basic office tasks. You can even spend time with your family and live a stress free life.

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From Offline to Online Business in Today’s Globalized Business World

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Beyond a shadow of a doubt, the fast pace of technological changes and the global economy have resulted in hypercompetition as the nature of today’s competitive landscape. In the recent years, regarding the popularity of E-businesses, multifarious online businesses have been found because of the comparatively low barriers to entry and a tremendous number of entrepreneurs have found the nerve to conduct their entire businesses online. According to the Internet World Stats website, approximately 1/3 of the world’s population is using the Internet and the number of users is rising steeply. Many companies struggle to survive in highly competitive market by making use of the Internet as the intensification of competition and the undergoing process of globalization have led to high utilization of the Internet as a supplementary business tool.

As Prof. Michael E. Porter, who is well-known for his strategic system, mentioned in an article, titled “Strategy and the Internet” (in 2001), the Internet should be viewed as a complement to conventional method of competing. In spite of the fact that utilization of the Internet should be considered as a blessing in disguise, it can turn out to be an unmitigated disaster. Since there is a relative lack of reliable market signal and because of the distorted market behavior, the online market should be interpreted carefully to set strategic goals.

The Internet as the Most Powerful Business Weapon

After the Industrial Revolution Period (the 18th, 19th centuries), there has been a marked shift from “mass production” to “mass customization” for the past decades and the Internet eased the process of customization.

In terms of marketing, the process of online data collection (quantitative and qualitative data) is less complex and measuring customer satisfaction can be easily done by conducting online opinion polls and surveys. In other words, the Internet provides marketers with a comparatively easier way to identify customer needs and enhance customer satisfaction. With regard to the online analytic tools, identifying the needs, wants, demands (core concepts of marketing), and targeting the markets are relatively easier on the Internet. In addition, Advertising on the Internet is rather cheaper in comparison with offline advertising.

The emergence of social networking services (SNS) as a sophisticated business tool on the Net and the evolution of Internet marketing, coupled with social media marketing, never cease to amaze researchers. Thanks to the Internet, employees and customers (users) can be in touch instantly anytime, with anyone, anywhere. The Internet can be explained as worldwide network that enables computers to share different information with each other as well as sharing databases, transaction resources, and communications. By utilization of the Internet in organizations the red tape is cut and stratified bureaucracy is reduced to make everyone accessible within organization.

On the one hand, the Internet lowers entry barriers, which is highly desirable to set up a business, as there is no need for huge capital investment and sales forces. On the other hand, the Internet paves the other companies’ ways to penetrate into the market which leads to increasing the threats of substitutes. As a result, by maximizing and minimizing the switching costs of buyers and suppliers, the Internet changes the bargaining powers of buyers and suppliers. There are some characteristic of E-commerce, which is a subset of E-business, such as ubiquity, global reach, richness, personalization, and customization that make it clearly distinguishable from traditional commerce. Moreover, the Internet, which influences strategic positioning (E.Porter, 2001), can be used to achieve competitive advantages.

There are several advantages such as connectivity, convenience, standardization, lower costs, highly customizable services, and speed that are brought by the Internet to the Organizations. By making comparisons, it can be readily understood that how the Internet has impact on industry structure and it is crystal clear that the advantages outweigh the drawbacks. That is why an overwhelming majority of organizations are going online and there are so many that conduct their entire businesses on the Internet.

To conclude, in the light of popularity of digital goods and digital market, it is reasonable to assume that the Internet can be regarded as the most powerful business weapon in today’s business world.

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SEO Services – Benefits of SEO Outsourcing For Small Businesses

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If you are an entrepreneur you must be accustomed to do business in a very structured manner. Usually, the chances are more that you must be managing almost every business processes all by yourself. Now at a time like this if you plan to swap over to the Internet marketing world, you will soon realize that you actually require functioning a bit different from your competitors to be more successful.

Nowadays, many people make use of search engines to get information on any product/service and so you need to be more familiar with the importance of being ranked high in these search engines. Ranking high in search engines can help you bring in more traffic to your webpage resulting in interested readers who might decide to do business with you. All of this can ultimately enhance your sales. For such expansion to the online customers, you need to hire a dedicated team of SEO experts for unique and consistent webpage optimization.

Outsourcing Benefits for small business promotions

The key benefit of outsourcing is that it makes you free from any sort of tension. This is because outsourcing does not distract you from the core business related issues. Therefore, it is always better to focus on the productive things that can make a big difference to your income rather than waste time on trivial things like no updated Blogs or need for a new plug-in for your webpage.

Along with this, nowadays SEO outsourcing services is available at quite an affordable rate. Even if you compare the cost of hiring in-house SEO experts to SEO outsourcing you will observe that outsourcing is much cost effective and easy to approach.

Why should you hire an SEO company?

Besides, considering factors like the time and cost, there are many other significant factors that you must consider before going for optimization of your webpage by professionals:

Quality optimization: SEO is an ongoing process that requires a good amount of time to be spent on. It need a complex research and methodology to be implemented and hence should be done with enthusiasm and patience. SEO webmasters usually have the knowledge and experience to work with competition and for different online marketing needs. They can easily standardize the optimization of your web page and thus producing a quality product.

Dedicated SEO services: Hiring an SEO expert will also be useful for dedicated promotion and marketing of your webpage. Firms providing SEO services will periodically update you with reports indicating the performance of your website as compared to your competitors in the market.

Result Oriented Services – You can be assured of getting desired results with Ethical and Professional SEO Company as they generally implement a structured SEO strategy for your site.

SEO Outsourcing India

Presently, India is one of the most preferred countries being chosen for offshore SEO services. Professionals from India excel skilled resources that can work for you dedicated with utmost professionalism and result oriented strategies. Moreover, most SEO companies in India can also help you to contemplate various optimization strategies and select the right resource according to market trends and requirements.

Today, SEO Outsourcing is the best option for all the web solution needs for a small business wherein you can save your money on other expensive Internet Marketing campaigns and invest them in your business expansion. Therefore, it is very essential for small business owner to understand the need for website optimization and outsource SEO processes to offshore countries to get maximum return to their investment.

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HIV & AIDS – Ayurvedic Herbal Treatment, an Update

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HIV infection is a medical condition characterized by a progressive deficiency in the immune system of the human body, caused by the Human Immunodeficiency Virus. Currently there is no cure for this condition. However, anti-retroviral therapy has succeeded in reducing the virus count to a bare minimum, and has helped the immune system to improve. This therapy has multiple side-effects, and over time, the virus starts multiplying, while the immune system fails gradually.

Some Ayurvedic physicians compare the symptoms of HIV/AIDS to those of “Kshaya” or “Oja-Kshaya” mentioned in Ayurveda. While Ayurvedic treatment may not show the initial dramatic improvement seen with modern drugs, this treatment still has a significant role to play in the long term management of HIV infection. Ayurvedic medicines reduce the virus count and improve the CD4/CD8 count, which are indicative of the modulated immune status of the body. Judicious use of Ayurvedic medicines may also increase the innate (basic) immunity of the body, improve weight and cause excretion of the HIV virus from the body.

Traditional Ayurvedic formulations can be effectively used to treat the opportunistic infections which are a hallmark of advanced HIV infection. Kutaj Ghana Vati, Sanjeevani Vati, Panchamrut Parpati and Kutaj Parpati are used to treat recurrent diarrhea. Arogya Vardhini, Triphala Guggulu, Mahamanjishthadi Ghan Vati, Praval and Kamdudha are useful in Herpes Zoster infection and also in other skin infections. Laxmi Narayan Rasa, Samshamani Vati and Laghu Sutshekhar are used in chronic fever. Chandanadi Vati, Shatadhout Ghrut,Yashtimadhuk Ghrut, Triphala and Chandan (Sandalwood ) powders are useful in recurrent oral and genital ulcers. Laghu Malini Vasant, Madhu Malini Vasant, Suvarna Malini Vasant, Suvarna Bhasma and Heerak Bhasma are used as “general tonics”.

Herbal medicines which are useful in HIV infection are: Amalaki (Emblica officinalis), Bhumiamalaki (Phyllanthus niruri), Yashtimadhuk (Glycerrhiza glabra), Shatavari (Asparagus racemosus), Ashwagandha (Withania somnifera), Tulsi (Ocimum sanctum), Mandukparni (Centella asiatica), Kutki (Picrorrhiza kurroa), Saariva (Hemidesmus indicus), Manjishtha (Rubia cordifolia), Haridra (Curcuma longa), Punarnava (Boerhaavia diffusa), Pippali (Piper longum) and Chitrak (Plumbago zeylanica). These medicines have anti-viral, immunomodulating and adaptogenic properties. Some of these increase body weight, yet others increase the “agni” of the body and therefore maintain cellular metabolism at an optimum level.

Patients with HIV infection need long-term or life-long treatment. Herbal medicines have the advantage of an impressive safety profile, and can therefore, be given for long periods without any significant side effects. Herbal medicines can be given independently, or as additional therapy to modern medicines. The current goal in HIV management of prolonging a healthy life at minimum risk and cost, can thus, be achieved admirably with herbal medicines.

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The Pros and Cons of Advanced Career Training

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If you’re interested in promoting yourself in your chosen career without the commitment of getting a degree, advanced career training might be right for you. This option is usually best for those who already have a bachelor’s or higher degree in their chosen field. However, those in fields that don’t require a degree such as real estate might also look into advanced career training as well. So what are the benefits of advanced career training?

Many times you can get advanced career training for free. Many companies encourage it and include it in their benefits package to entice potential employees during their recruitment process. Some companies require it, and usually will only pay for it if it is essential to their job.

It makes you seem ambitious to your current employer. By getting advanced career training, your employer knows that you are planning on making a career out of your current profession and perceives you to be valuable. Another great tactic is to talk to senior workers and managers to find out what kind of skills are necessary to your job. Then approach your supervisor or human resources department and propose advanced career training on those skills, stating they are necessary to advance in your field.

It makes you work better. While many skills necessary for your job are self-taught, advanced career training allows you to enhance those skills by learning the theories behind them. It also teaches you new skills that are valuable to the work you do now.

Now that you know about some of the pros of advanced career training, what are the negative aspects of doing it?

You can’t take it with you if you change careers. Advanced career training tends to be highly specialized, and if you decide to change careers the training will be useless. While some general information will transfer over to your new field, most of it will not. Which means countless hours have gone to waste.

It doesn’t look as good as a degree. This is why it is recommended you complete a degree program before you get any advanced career training. Moreover, if you want to move up to a managerial field, you better go for the degree first. In a scientific field, it would probably look better on your resume to get a postgraduate degree such as a Master’s or PhD.

Advanced career training can be expensive, and financial aid is not as readily available. If your company isn’t paying for it, advanced career training can drain your wallet fast. And, unlike undergraduate or postgraduate classes, it may be harder to get financial aid. You might want to look at those options first if advanced career training isn’t in your budget.

So, as you can see, there are both positive and negative effects of advanced career training. If you are fairly certain of your career path and already have at least a Bachelor’s degree, advanced career training is definitely the way to go. However, if you are not sure of your career direction or don’t have the necessary degrees for your field, you might want to check that option first. Advanced career training is not portable and won’t do much for you in another profession.

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