Connect with us

Finance

Guide to Financial Success

Avatar Of Rajesh Khanna

Published

on

google news

Maintaining a healthy mind, body & soul is important when it comes to having stability in all aspects of one’s life. This includes financial decisions we make on a daily basis. The better choices you make the less stress you will have.

I. Think & Feel Positive – The less stress we have on a daily basis the more we are able to make decisions that lead to successful results. One has the start with the way we think and feel about things we deal with in our lives. Remember to always take care of your mental health so that your mind is clear and free of negative thinking that will lead to bad decisions making. Maintaining a healthy mind set will also lead to better physical health.

A. Starting your day with a positive attitude – It is important to always be positive before getting into anything you plan or not for the day. Being positive always helps you maintain focused, motivated and full of energy towards carrying out your goals. Staring your day with a positive attitude will also help you maintain calm if and when things get stressful.

B. Be realistic with yourself – Know that part of planning something is also expecting things not to go as planned. Learn from your mistakes and move on. This skill is useful when managing one’s finances, as you will learn to better handle the situation.

C. Learn to relax – always make time to relax your mind & body as much as possible. 5-30 minutes 3-5x per week engaging in to whatever activity you find relaxing will help you maintain good mental health. Being able to maintain calm when making financial decisions will always be a benefit for you!

D. Have confidence in yourself – If you do not believe you can do something there is no point in doing it at all. So make sure you have enough confidence to trust your decisions especially with your finances as this will help you reach the financial success you desire.

II. Feel Good, Look Good – It is also important to remember that image isn’t everything, but it is also true that working on your physical appearance is a positive first step in working on to have a successful financial life.

A. Eating & Drinking Right – We’re not saying that you need to be a health nut, but it is important for you to be involve in a healthy eating program that will help prolong your life. After all, the longer you live, the longer you can enjoy your financial success.

B. Activities & Exercise – Once again we’re saying that you need to be a on some extreme exercise program, but you should involve yourself in activities that will help

C. Skin, Hair & Nails – You don’t need any big budget makeovers or it doesn’t matter if you like to experiment with different styles and colors, but keeping yourself well groomed is a basic organizational skill that will help you get use to having your financial life organized.

D. Clothes, Shoes & Accessories – Try to be a smart shopper & spend your money wisely. There are always sales throughout the year that one can benefit from. Always have a budget and limit of what you can afford to avoid overspending. Shopping at big department stores always helps to find good prices.

III. Inform, Protect & Invest in Yourself

A. Inform Yourself – Knowing and understanding what you are getting into always makes it easier for you to do. Your level of stress will also be under control.

1.You must want financial success- No one can force you into wanting to be financially successful. You have to want it and you have to work to be financially successful. Having a clear picture of what you are setting out for always makes it easier to accomplish.

a. Be in control – If YOU want to be financially successful, YOU must do the research and only you can make the best decision for YOURSELF.

b. Don’t be afraid of money – You are in charge. You make the money. You don’t have to do anything you don’t want to do. Before you make a decision make sure it is the best decision.

c. Be a hustler, not a customer – Don’t believe anything until you see it. Don’t believe everything you see. If your going to do business with a company or a person you should try to know as much as that company or person in the business your getting into.

2.Knowledge is Power- Know what you owe and where you can make some money. The more you know the better prepared you are as you will have less questions about whatever information you need.

a. It’s OK to say, “I don’t know, but I’m going to try to find out.”

b. Try to get as much details as you can before making a decision

c. Try to carefully review and fully understand your details before making a decision

3. Assets = Liabilities + Owners’ Equity – Assets are the value of “equity” plus “liabilities.” The term “equity” describes the value of the things you own and the term “liability” describes the value of a present obligation you owe.

a. Acquire as many assets as possible – It is important to remember to in order to be financially successful you have to acquire as many assets as possible. You must keep liabilities at a minimum because many times the interest rates on your liabilities can eat away at the value of your equity.

b. Liabilities acting as assets – It is also very important to be aware of the liabilities that act as assets. Many times people see buying a new home as increasing their asset value. But the reality is that your asset value can somewhat still be the same since your home is an increase in equity and the mortgage loan you used to get the home is an increase in your liability. So be aware that acquiring thing is not always an increase in your asset value.

c. Assets as Income – Many times you can find assets that can be a great source of income. It is very important to remember that some liabilities act as assets when you are looking for an asset that can make you income.

B. Protect Yourself – Remember it is very important that you are financially protected. Always consider how you are benefiting & protecting your from the results of the decision you are making. Take your time to think things through and select the best services based mostly on the benefits it will provide you.

1.Will & Testament – A Will gives you full control over such issues as who gets your property, who will be the guardian of your children, who will manage your estate upon your death, who will inherit assets that you haven’t left to anyone else and other issues relating to the management and distribution of your estate. The importance of a Will cannot be understated. A Will is perhaps the most important legal document the average person will ever have.

2.Savings/Checking Accounts & CDs – If you need a safe place to keep money, a bank account is often the best choice. Banks offer different kinds of accounts for different purposes. With a Savings and Checking account you can put your money in a safe place and still have easy access to it in case you need it. With a Checking Account your even giving checks so you can pay other people with the money you put in your bank account. A CD or Cash Deposit is the same but with a CD you actually let the bank hold a certain amount of your money for a certain period of time.

3.Life & Health Insurance – Life insurance or life assurance is a contract between the policy owner and the insurer, where the insurer agrees to pay a sum of money upon the occurrence of the policy owner’s death. In return, the policy owner (or policy payer) agrees to pay a stipulated amount called a premium at regular intervals. Health insurance is a type of insurance whereby the insurer pays the medical costs of the insured if the insured becomes sick due to covered causes, or due to accidents. The insurer may be a private organization or a government agency. Market-based health care systems such as that in the United States rely primarily on private health insurance.

4.Auto & Home Insurance – Vehicle insurance (or auto insurance, car insurance, motor insurance) is insurance people can purchase for cars, trucks, and other vehicles. Its primary use is to provide protection against losses incurred as a result of traffic accidents. An insurance company may declare a vehicle totally destroyed (‘totaled’ or ‘a write-off’) if it appears replacement would be cheaper than repair. Home insurance, also commonly called hazard insurance or homeowners insurance (often abbreviated in the real estate industry as HOI), is the type of property insurance that covers private homes. It is an insurance policy that combines various personal insurance protections, which can include losses occurring to one’s home, its contents, loss of its use (additional living expenses), or loss of other personal possessions of the homeowner, as well as liability insurance for accidents that may happen at the home.

C. Invest Yourself – Looking to invest your money properly is knowing how to protect you and your family. Use your knowledge and act now so that you can benefit now and in the future. Find out what services are best for you. Take time to know what you can and are getting yourself into. Don’t be afraid to ask questions no matter how stupid you think they may be and take time to get those questions you have answered.

1.Traditional & Roth IRAs – A traditional IRA is an individual retirement account (IRA) in the United States. The IRA is held at a custodian such as a bank or brokerage, and may be invested in anything that the custodian allows (for instance, a bank may allow certificates of deposit, and a brokerage may allow stocks and mutual funds). Unlike the Roth IRA, the only criterion for being eligible to contribute to a Traditional IRA is sufficient income to make the contribution. However, the best provision of a Traditional IRA – the tax-deductibility of contributions – has strict eligibility requirements based on income, filing status, and availability of other retirement plans (mandated by the Internal Revenue Service). Transactions in the account, including interest, dividends, and capital gains, are not subject to tax while still in the account, but upon withdrawal from the account, withdrawals are subject to federal income tax (see below for details). This is in contrast to a Roth IRA, in which contributions are never tax-deductible, but qualified withdrawals are tax-free. The traditional IRA also has more restrictions on withdrawals than a Roth IRA. With both types of IRA, transactions inside the account (including capital gains, dividends, and interest) incur no tax liability. Here is a 401(k) versus IRA matrix that compares various types of IRAs with various types of 401(k)s. A Roth IRA is an individual retirement account (IRA) allowed under the tax law of the United States. Named for its chief legislative sponsor, U.S. Senator William V. Roth Jr. of Delaware, a Roth IRA differs in several significant ways from other IRAs.

2.Stocks, Bonds & Mutual Funds – A stock is the capital raised by a corporation or joint-stock company through the issuance and distribution of shares. A person or organization which holds at least a partial share of stocks is called a shareholder. The aggregate value of a corporation’s issued shares is its market capitalization. A bond is a debt security, in which the authorized issuer owes the holders a debt and is obliged to repay the principal and interest (the coupon) at a later date, termed maturity. Other stipulations may also be attached to the bond issue, such as the obligation for the issuer to provide certain information to the bondholder, or limitations on the behavior of the issuer. Bonds are generally issued for a fixed term (the maturity) longer than ten years. U.S Treasury securities issue debt with life of ten years or more, which is a bond. New debt between one year and ten years is a note, and new debt less than a year is a bill. A mutual fund is a form of collective investment that pools money from many investors and invests their money in stocks, bonds, short-term money market instruments, and/or other securities. In a mutual fund, the fund manager trades the fund’s underlying securities, realizing capital gains or losses, and collects the dividend or interest income. The investment proceeds are then passed along to the individual investors. The value of a share of the mutual fund, known as the net asset value per share (NAV), is calculated daily based on the total value of the fund divided by the number of shares currently issued and outstanding.

3.Independent Businesses – In business, an independent business as a term of distinction generally refers to privately owned companies (as opposed to those companies owned publicly through a distribution of shares on the market). Independent businesses most commonly take the form of sole-proprietorships. “Independent” is frequently used to distinguish one-of-a-kind businesses from corporate chains, indeed dozens of communities have organized Independent Business Alliances to help distinguish independent businesses from chains. Other terms of distinction used in addition to independent businesses include small business, locally owned business and startup business, which have varying subtleties of distinction.

4.Real Estate – Real estate or immovable property is a legal term (in some jurisdictions) that encompasses land along with anything permanently affixed to the land, such as buildings. Real estate (immovable property) is often considered synonymous with real property (also sometimes called realty), in contrast with personal property (also sometimes called chattel or personality). However, for technical purposes, some people prefer to distinguish real estate, referring to the land and fixtures themselves, from real property, referring to ownership rights over real estate.

IV. Other People’s Money – Always remember lines of credit are not paychecks. A line of credit is money that must be paid back with interest. You must always be aware of the real numbers in the deal you are getting into so that when you borrow money you are comfortable with the payment options that are available to you.

A. Credit Card – A credit card is a system of payment named after the small plastic card issued to users of the system. A credit card is different from a debit card in that it does not remove money from the user’s account after every transaction. In the case of credit cards, the issuer lends money to the consumer (or the user). It is also different from a charge card (though this name is sometimes used by the public to describe credit cards), which requires the balance to be paid in full each month. In contrast, a credit card allows the consumer to ‘revolve’ their balance, at the cost of having interest charged. Most credit cards are the same shape and size, as specified by the ISO 7810 standard.

B. Auto Loan – In some instances, a loan taken out to purchase a new or used car may be secured by the car, in much the same way as a mortgage is secured by housing. The duration of the loan period is considerably shorter often corresponding to the useful life of the car. There are two types of auto loans, direct and indirect. A direct auto loan is where a bank gives the loan directly to a consumer. An indirect auto loan is where a car dealership acts as an intermediary between the bank or financial institution and the consumer.

C. Home loan – A mortgage loan is a very common type of debt instrument, used by many individuals to purchase housing. In this arrangement, the money is used to purchase the property. The financial institution, however, is given security – a lien on the title to the house – until the mortgage is paid off in full. If the borrower defaults on the loan, the bank would have the legal right to repossess the house and sell it, to recover sums owing to it.

D. Debt Management Plan – A Debt Management Plan (DMP) is a method used in various countries for paying personal unsecured debts (which typically have gotten out of control in the sense of payments due taking too large a portion of income, or even exceeding it) that involves cataloguing all the debts, assessing income and budget, and re-negotiating interest rates and payments with the lenders, based upon evidence that the result will be a higher likelihood of collection by the lenders. A third party group typically manages a DMP. There are two types of DMPs. The first type is a fair disbursement of available funds from the debtor to their creditors based on a percentage of debt. For example, if a debtor has 100 monetary units available each month for debt repayment and Creditor A is 25% of his overall debt and creditor B is 75% of his overall debt then Creditor A would receive a fair and balance percentage of available fund. In this case Creditor A would receive 25 and Creditor B would receive 75. Typically the debtor pays the group managing this for them for their service. The second type of DMP is typically run by consumer credit counseling service groups that are funded by creditors to collect and distribute money. In this model, repayment plans are developed by creditors telling the groups what the creditor requirement is and rewarding the group by paying them a percentage of funds collected from debtors and sent to creditors.

google news
Advertisement

Finance

Benefits of Bing and Yahoo Pay Per Click

Avatar Of Rajesh Khanna

Published

on

google news

With today’s very competitive online marketing, it is important that a business creates a strong marketing effort to build qualified traffic to their website. Pay per click marketing is one great way of advertising on the Internet. It can bring a steady flow of traffic that can result to potential leads and new sales. Over the years, it has been proven profitable, especially if the business is targeting a segment of audience. Adding Bing and Yahoo to your Google pay per click marketing is worth considering.

Pay per click campaign is based on keyword selection specifically designed to revolve around search terms that are relevant for the site. They are normally the ads that show up at the top and right corner of a search page. Generally, search engines do not charge when displaying these ads, but when a visitor clicks on the ad or the link which lands back to the business’ site, only then, is the advertiser charged.

All throughout the pay per click marketing world, Google is leading all other search engines with their 67% market share. However, what most advertisers do not realize is that with the growing amount of traffic on Google, also comes a number of competitors, still making it hard to hit on search result targets.

So, what is the alternative? Over the last couple of years, Bing and Yahoo pay per click have emerged as Google’s number one competitor. Although, Yahoo’s market share only comes up to 11.6% and Bing’s to 16.7%. When combined, they total of over 30% and this can still make a dent with Google’s share. And for any advertisers who overlooks these numbers could be ignoring a large population of potential customers.

Other advantages of Bing and Yahoo pay per click, include:

  • Pay per click with Bing and Yahoo does not cost as much as with Google. – Many advertisers say that taking Google as their host for paid search is a complete campaign suicide, mainly because of their high costs. Relevant keywords being bid with Bing and Yahoo do not cost as much as $2 to $5 per click as with Google. For instance, one of the most expensive keywords in Google includes “insurance,” “loans,” “mortgage,” “trading,” which usually ranges from $30 to $50 per click. So, if you run a business about loans and need to bid on “house loans” keyword, a business can pay as much as $3500 a month for that particular keyword alone with Google. However, Bing and Yahoo give much more reasonable prices. They have the lowest cost per click, even with the most expensive keywords in AdWords that normally ranges from $0.10 to $2, but still lands in the first pages. More so, they offer long-tail keywords of four or more words, but still at a very reasonable price bid.
  • Bing and Yahoo have demographic advantages. – Although recently, Bing removed their feature to target ads by gender and age as they say they improve it to become more accurate. Bing and Yahoo still have a statistical advantage because 58% of their users are women, and their audiences are from an age group of 35-45 and 55-64, which are definite age groups that can afford to buy as much in the Internet. Furthermore, this is probably because Bing is owned by Microsoft, and they normally put default web browsers that come with the computer a user has bought, not unless of course, if they are tech savvy and knows how to change web search engines in their computers.
  • Bing and Yahoo allow their users to import campaigns from Google – most advertisers admit that they are always having a hard time running separate campaigns in Google, and with Bing and Yahoo as they do their best to update each. Now, AdCenter with Bing and Yahoo allows users to import their campaign from AdWords with Google, without even exporting a single file. This is perfect for advertisers who do not want to spend time editing, exporting, and re-uploading spreadsheets from one account to another.
  • Bing and Yahoo pay per click does not run on Internet Explorer alone – Recently, many adCenter users of Bing and Yahoo requested to expand their service outside Internet Explorer. Now, pay per click may also be run through Mac and Chrome users, including all other web browsers.
  • Bing and Yahoo for mobile – paid search through Bing and Yahoo is made easy as they launched Bing on mobile devices through WAP or GPRS connections. Not only will users enjoy “Find My Location,” applications, as well as driving directions and maps, but they will also be able to search for new information through their smart phones, and this means that pay per click campaigns will reach a much wider audience.
  • Bing and Yahoo have representatives to talk to for free, 24/7. – Microsoft has dedicated customer representatives who are specifically assigned to help Bing and Yahoo AdCenter users, even those that are starting with their Bing and Yahoo ads. They have a range of topics that they can help with, from starting up, to billing, managing campaigns, editorial questions, and campaign reports. In fact, they are even open to suggestions and comments, which is the main reason why Microsoft brought about the freedom for users to use their Bing pay per click campaign on other web browsers. More so, these representatives are always active in social media, so it could be easy to reach them in Twitter or Facebook.
  • Cross-Platform Analytic Reports – With Bing and Yahoo’s adCenter report, it becomes easy for users to compare keyword performance for their pay per click campaign with other search engines, so that they can make the most of their budget.
  • Potentially Better Return of Investments – any pay per click campaign is useless if it does not get positive results. Numerous advertisers have vouched that adCenter pay per click campaigns through Bing and Yahoo drove more traffic than keywords run with AdWords of Google, which significantly gives a better return on investment.

Even with the 67% market share of Google, if combined with costly prices for their pay per click campaign, and with their other seemingly flaws, Bing and Yahoo still strike as a better alternative to Google, and as they make a dent to Google’s ad campaign, soon more and more advertisers will realize the benefits and power of what Bing and Yahoo can offer with the increase of their sales and rapid growth of their business.

Additional Resources

  • Pay Per Click on Bing
  • Pay Per Click on Google
google news
Continue Reading

Finance

Top Three Attributes of the Car Accident Lawyer You Should Retain

Avatar Of Rajesh Khanna

Published

on

google news

Car accidents, including motorcycle and truck accidents, are serious business. They happen every day and, even if you’re the safest driver in the world, they can still happen to you. If you suffer serious injuries from a car, motorcycle, or truck accident, it is vital that you first speak to a car accident lawyer before you reach any settlement with the insurance company, which would like nothing more than to pay you the least amount possible. However, choosing the right lawyer is not as simple as the decision to consult with one. Here are the top three attributes that you should look for in a prospective car accident lawyer to retain.

Expert

One of the most critical attributes to look for in a prospective auto injury lawyer is whether he or she actually specializes in car, motorcycle, and truck accident law. As an injured accident victim, you will be relying on lawyer you retain to maximize your recovery from the insurance company. Do yourself a big favor and make sure you retain a lawyer who specializes exclusively in representing auto accident victims.

There are many attorneys in each state practicing personal injury law. However, personal injury law can cover a wide-range of injuries. You don’t want a personal injury lawyer that handles a wide variety of personal injury lawsuits. You want a lawyer that specializes exclusively in car, motorcycle and truck accident law; someone who day-to-day represents auto accident victims.

For example, if needed heart sugary, would you want a general surgeon operating on you or a heart surgeon? Retain a lawyer specializing in representing auto accident victims. This can make a significant difference in how much you recover from the insurance company. You do not have to worry about expert auto lawyers being too expensive for you, because they generally do not charge hourly fees but, rather, a contingency fee.

Experience

The second most critical attribute to look for in a prospective car injury lawyer is his or her experience level. It’s not just a matter of being an experienced lawyer, you want an attorney who is very experienced in representing auto accident injury victims.

Following a car accident, the injuries you sustain may change your life drastically. Now is not the time to put your life and the way you are able to lead it in the hands of a rookie. Try to find a car accident attorney with at least five years of experience, ideally someone with experience representing car accident victims against the same insurance company. Consult with a seasoned lawyer who has many years of experience going up against the insurance companies.

However, it’s not just a matter of experience in car accident law. You want an attorney with years of trial experience, because your case may require going to trial.

Success

Finally, when considering a prospective car accident lawyer, you want to make sure he or she has been successful in the past and in the present. There is no point selecting a specialized lawyer with years of experience if he or she has not been successful against the auto insurance companies. It should not be difficult finding out how successful your prospective car lawyer is in representing auto accident injury victims. Just ask! If he or she has a proven track record of success, they will tell you and give you examples. Ideally, they will have been successful for past clients with similar injuries that you have sustained in the car accident.

In the end, you want a car accident lawyer who is an expert, experienced, and successful with respect to auto accident law in your state. Do not settle for anything less. There is absolutely no reason why you would need to.

google news
Continue Reading

Finance

Sales Force Automation Software: Business Need

Avatar Of Rajesh Khanna

Published

on

google news

Sales Force Automation Software was a major challenge before some decades that is successfully superseded by our techno-giants. The entire business community was longing for a system that could control; and monitor the track of sales and marketing activities. Things were getting tougher for an executive or an entrepreneur to manually handle the entire sales process and organizational activities. Moreover, the interaction with the clients was worsened. The answer to all those worries came in the form of this Software.

Streamlines Sales tasks

Sales Force Automation Software basically is another name for Customer Relationship Management Software. Its prime motto is to provide one-to-one interaction of organization executives with their customers. The primitive form of this Software was just for maintaining contacts. But rapid advancement of technology and rigorous endeavors from the technocrats has made it capable of overpowering the entire sales stage.

Online Sales Software handles all the sales tasks easily and gives you accurate sales reports on time. It is easy to use software which fulfills all the needs of the organization. It saves the precious time of the sales team and sales managers.

Web Based Technology

Online CRM Software encompasses cloud computing technology to perform the sales force automation. From Cloud Computing, we basically mean data to be stored in servers that are remotely located and are connected through network. Cloud Computing uses the SaaS module to provide this technology. SaaS stands for Software-As-A-Service. That means, the software needs not to be installed at the client’s computer. It is hosted from a remote server and its complete package can be accessed from there itself.

This Software has sorted out most of the problems faced by the entrepreneurs handling small to big organizations. Its easy usability, portability and anywhere operable flexibility have proved its worth over the previously launched hosted application.

Some Benefits of Online CRM Software over the premise hosted software are:

1) Premise hosted need to be installed to a computer. Thus it gets system specific. You can’t avail the software once you change the software. It can be used anywhere and at anytime, you can access the software any time you required.

2) Online CRM Softwares are cost effective. Whereas premise hosted software are much costlier than that.

3) There is a lot of extra IT infrastructure needed to successfully run premise hosted application. Whereas online application provide all kinds of functional service on a remote access basis.

4) The entire data load in case of premise hosted is upon your system. So, any time, there are chances of data crash and hardware failure. While in case of cloud computing, entire data load is upon the server. So your system is always safe from the impending dangers.

google news
Continue Reading

Finance

Addition To The Control of Asbestos Regulations 2006 Proposed By HSE

Avatar Of Rajesh Khanna

Published

on

google news

It was only in 1983 that Asbestos (Licencing) Regulations introduced the requirement for companies or individuals working with asbestos coating or asbestos insulation products to possess a Health and Safety Executive (HSE) licence.

Another twenty years elapsed before the 2003 Regulations instructed that the relevant authority must be notified of the details to any asbestos work which required a license, at least 14 days prior to the commencement of work. The Control of Asbestos Regulations, 2006 unified all previous prohibition and licencing regulations into one comprehensive reference document.

Following correspondence with the European Commission, the HSE is presently in consultation on plans to once again modify aspects of the 2006 Regulations. The aim is to more accurately reflect current levels of health risk concerns to companies and organisations who come into working contact with chrysotile white asbestos, estimated to be still present in a half a million premises around the UK.

Despite the continuing asbestos awareness campaigns of HSE, inconsistency of working knowledge and methods by construction firms and premises owners to the necessary actions required when first inspecting site building, encountering, containing and disposing of asbestos material.

Despite being banned from the 1980s onwards, white asbestos continued to be used in insulating materials such as wall board, wall coatings and cement products found in a wide variety of commercial and domestic building applications.

Currently, there are two existing categories of asbestos work:

1. Licensed asbestos work

2. Non-Licensed asbestos work

Currently, non-licensed work is exempt from requirements to:

– Notify work with asbestos to the relevant enforcing authority

– Carry out medical (respiratory) examinations

– Maintain registers of work (health records)

– Hold an asbestos licence

– Have arrangements to deal with accidents, incidents and emergencies

– Designate asbestos areas

While the licensed asbestos work category remains unchanged, HSE propose to modify non-licensed asbestos work by introducing additional measures for short duration exposure to ‘friable’ ( fragile and disintegrating) or ‘damaged or degraded’ asbestos. A new category of asbestos work is to be introduced in addition to the two existing categories.

3. Notifiable Non-Licensed Work (NNLW).

Work under this new category will be exempt from requirements to:

– Hold an asbestos licence.

– Have arrangements for accidents, incidents and emergencies.

– Designate asbestos areas.

However, work under the new category will require employers to:

– Notify their work with asbestos to the “relevant enforcing authority”.

– Carry out medical (respiratory) examinations.

– Maintain registers of work (health records).

HSE propose that requirements for notifying work with asbestos, health records and medical surveillance will not apply where:

a) Exposure of employees to asbestos is sporadic and of low intensity.

b) It is clear from the risk assessment that the exposure of any employee to asbestos will not exceed the control limitwhere the work involves –

(i) Short, non-continuous maintenance activities in which only non-friable materials are handled.

(ii) Removal without deterioration of non-degraded materials in which the asbestos fibres are firmly bonded in a matrix.

(iii) Encapsulation/sealing of asbestos-containing materials which are in good condition.

(iv) Air monitoring/control, and the collection /analysis of samples to confirm whether a material contains asbestos.

Existing regulations do not specifically require the asbestos to be ‘non-friable’ or ‘non-degraded’ and the European Commission also seems to require a respiratory examination of industry personnel every three years due to uncertainty of not will knowing if there has been an encounter with asbestos in ‘notifiable’ situations.

Throughout the twentieth century and right up until the present day, dangers of asbestos exposure were continually ignored by building trade personnel or building owners. As a result, joiners, plasterers, plumbers, electricians and other operatives would be constantly at fatal risk of inhaling deadly asbestos fibre dust, which remains permanently embedded within the linings of the lungs and would develop into asbestosis disease or the malignant incurable cancer, mesothelioma.

The first asbestosis symptoms would not appear until some 15 to 50 years later, often at an advanced stage when prognosis would be between 4 to 18 months.

In the UK, the number of deaths from mesothelioma has risen to 2, 250 in 2008 and over 2,000 diagnosed cases are recorded each year.

google news
Continue Reading

Finance

Outsourcing Your Plastic Surgery Marketing

Avatar Of Rajesh Khanna

Published

on

google news

As a plastic surgeon you set yourself apart from other doctors. Every day you prove your expertise and skill by sculpting and shaping clients into the people they want to be. That is why it is a good idea for you to do what you do best and let marketing experts do what they do best. Hire a professional plastic surgery marketing team and let them increase your client base.

What an SEO Professional Can Do For You

An internet marketer is skilled at optimizing your website for higher search engine ranking. The whole idea behind marketing is being seen and a professional knows how to get you seen better than anyone. He has spent years creating ways to grab the attention of the consumer. Just as you have spent years perfecting your skills.

It would take you just as long to learn how to successfully market your business. You didn’t learn how to be a plastic surgeon just by watching the techniques on television or by reading a few books. You learned hands on with the guidance of a professional. A marketing expert learned in much the same way.

Don’t Try to Do Everything

When you try to do everything on your own you end up stressing out and making mistakes. A few plastic surgery marketing mistakes can cost you quite a few clients. But, if your stress causes mistakes in your practice, then you are really in trouble. You could even lose your license. Outsourcing your marketing strategies takes away all of that stress.

A marketing expert can create a social media marketing campaign, an email campaign, create online videos and a slew of other effective promotional techniques to get your name out on the internet and a high search engine ranking. An SEO expert knows how reach a targeted audience that have already shown an interest in having plastic surgery.

Another good reason for hiring a professional is that the industry is constantly evolving. Once you think you know everything about plastic surgery marketing, things change. The techniques that worked yesterday may not work today. A professional marketer stays on top these changes and changes with them.

People like getting instant answers and that is what Google is all about. They just type in what they are looking for and in an instant they see over a hundred thousands results. If your website is down near the one hundred thousand mark, no will click on your link. If you are in the top five, you will have much more success. A marketing expert can get you into that top five.

google news
Continue Reading

Finance

How to Stop Being Resigned to Living With an Alcoholic

Avatar Of Rajesh Khanna

Published

on

google news

Alcoholism is an illness that can be much harder for those living with an alcoholic than it is for the alcoholic. Those with an alcoholic parent or spouse know the hardship of constantly worrying that their loved one will drive while intoxicated, sell personal valuables in order to finance their habit or go on a binge and disappear for days.

For many living with an alcoholic means constantly worrying about paying the bills, having to clean up after their alcoholic loved one, looking out for various signs of alcoholism, dealing with abuse, and even being unable to sleep from fear of what will happen next.

Instead of allowing or becoming resigned to the situation you must fight back. This is the only way to ensure better future! Use these top 5 tips to make a positive change to your live.

1. Take an honest look at the alcoholic: Recognizing the line between social drinking and alcohol abuse is not always easy to identify. Although an individual who only drinks a few glasses during the weekend might not be considered an alcoholic, anyone who drinks to the point that it affects their regular life can be considered to be abusing alcohol.

Talk to the alcoholic parent or spouse. Sit down and ask them why they drink. Discus worrying symptoms that indicate alcoholism such as drinking to the point of blacking out, needing to drink to feel better about their life and feeling ashamed over their drinking habits.

2. Let the alcoholic accept the consequences: To get out of resignation, let the alcoholic experience the negative consequences of drinking and do not let yourself take on responsibility for their actions. When living with an alcoholic do not call in for them if they miss work, never purchase alcohol for them, do not help them to bed or cleaning up the empty bottles after they have been drinking. To stay out of debt and get them to see how bad the situation has become do not buy alcohol for them or give them money to buy more.

3. Accept the reality: To change your life with an alcoholic parent or spouse, you need to accept the reality. Do not live in denial or make excuses for the signs of alcoholism being displayed. You should also not feel guilty or try to threaten or bribe them into giving up alcohol. Instead, deal with your own emotions, because this is the only thing you have power to control.

4. Do not engage: When living with an alcoholic, you are likely to notice that when heavily drinking they may start arguments, throw items around, or become verbally abusive. Do not allow yourself to be drawn into playing mind games or involved in fights! Make sure your spouse experiences being loved by you but detach yourself from the situation. If needed, leave the house for a few hours or go out with friends. By not accepting the outburst and bad behaviours they will see even faster that they need help.

5. Get Support: The road to recovery will not happen in just a few weeks or months. For some the process can take years! To get the emotional support needed to recognize and treat the signs of alcoholism therapists, support groups, online forums and even eBook systems can be accessed.

These treatment methods are enormously helpful for both the alcoholic and the individuals living with an alcoholic.

google news
Continue Reading

Trending