Beauty and Botox – Face Forward Tips for 2006!

Did you know that BOTOX injections are one of the most popular procedures in cosmetic surgery today? In fact, Botox injections far out number breast augmentation and rhinoplasty (cosmetic surgery on the nose), as the most preferred aesthetic surgical procedure?As you may agree, in western culture attractiveness is closely wedded to youthfulness. The appearance of wrinkles on the face is a source of anxiety for millions of women and men.The search for a miracle drug to help us appear younger presently fuels a multi-billion dollar beauty and cosmetic industry.The related industries of weight loss and health are just as robust. There is stiff competition between beauty companies constantly trying to sell youth and beauty in a jar.If you have the money you can opt for the more invasive (and ostensibly more effective) procedures to help you look younger. This where BOTOX followed by its more permanent cousin, plastic surgery may fit the bill.A nutritious and balanced diet, accompanied by a rigorous exercise regimen can make your body look years younger. Unfortunately there’s no such workout to tighten your face.Your face starts reflecting the passage of time the soonest, and most visibly. Studies indicate wrinkles appear on our skin as early as the age of 27.

If it is our face, which betrays our age the first, no wonder it the focus of so much anxiety. This is why we want age-defying intervention.BOTOX, as of now, appears to be the answer to some people’s prayers. Younger and firmer looks seem to be just a few small injections away.BOTOX is actually short for Botulinum Toxin Type A. It is a highly toxic substance and one of its milder side effects is food poisoning.It is actually a protein complex, which is produced by the bacteria Clostridium botulinum. What is used in cosmetic surgery is an injectible form of this toxin.This form of the toxin is purportedly sterilized and purified.Some consider BOTOX a poison. They feel this way because it is injected in small doses under the skin. It is reported to work by deadening the underlying muscle, preventing any further movement and thus smoothening out the skin.BOTOX is said to interfere between muscle and nerve interaction. Some feel small doses of this chemical effectively prevent the release of acetylcholine by the nerve cells.This neuro-chemical transfers signals to muscles, determining their contraction and relaxation. When injected into selected muscles, BOTOX stops them from contracting.Therefore, any present frown lines are ironed away. In fact, within a week they become almost invisible.In the April of the year 2002, the FDA approved the use of BOTOX injections as a treatment for the reduction of frown lines. Since then, it has come to be regarded as the fastest growing anti-aging cure in the country.Keep in mind that the FDA cautions against using Botox more than once in 3 months. Also it recommends that the lowest possible effective dose to be used in a session.There are other, more permanent, options available – if you are inclined towards cosmetic surgery. Procedures like an eyelid tuck (blepharoplasty) and a bow lift (also called a forehead lift) last about 30 to 90 minutes.They are outpatient operations, so you can leave for home the same day. Another option is the face lift (or rhytidectomy) – a slightly longer operation which can go on for 2 to 4 hours.Patients are advised to stay overnight at the clinic. Although none of these procedures can reduce wrinkles, they very distinctly tighten up a sagging face by literally cutting away any extra bits of facial skin. The recovery period can last from 7 days to a month depending upon the extent of the operation.

However, at the end of it you may be rewarded with a much younger and firmer facial appearance.Given the risks associated with Botox facial treatments like Rejuvinol(TM) deserve a serious look. We have heard that Rejuvinol(TM) available from Amazon and www.BODeStore.com is a product that uses helps give a younger appearance by appearing to smoothing out wrinkles. It’s makers say that it contains the universally recognized Argireline® from Lipotec S.A. The active ingredient in Argireline® is acetyl hexapeptide 3 (AH3), a deep penetrating, powerful amino peptide that helps to relax the intensity and frequency of facial muscle contractions. It just may be a less expensive and invasive way to put your best face forward.Kamau Austin is a health and fitness enthusiast and advocate.He writes on a regular basis on timeless health and fitness tips at the Fit After Forty Blog. See more useful health and fitness news and tips at… http://www.healthandfitnessvitality.com/blogs/fitnessblog.htm

How to Make It As a Fitness Model!

So You Wanna Be a Fitness Model?People that follow my stuff know I generally write about nutrition, supplements, training, and other topics that are more science based than subjective topics, such as what is covered in this article. I decided to shuck my science geek persona, and write on a topic I know will be helpful to thousands of would be and want to be fitness models.As well a known “hard core” science based no BS writer, why I am writing what some will perceive as a “fluff” article? Over the years I have gotten hundreds, perhaps thousands, of gals that ask me via email, letters, or in person “how do I become a fitness model Will? You have been in the business a long time, surly you of all people should know.” I get this from newbies and I get this from women that have been at it a while but have been unable to “break in” effectively.The fact is, I have been in the fitness, health, and bodybuilding biz a long time, and though I am known as a science and nutrition based “guru” type, I have trained many a fitness athlete, and judged fitness and figure/bikini shows for the NPC, Fitness America, Fitness USA, and other federations as well as given marketing and business advice to all sorts of athletes, including fitness models. So, it’s not as far fetched as it might seem that I am going to use this space to cover a non scientific topic, which is, how one goes about being a fitness model.This article will be useful to both experienced and novice types looking to “break in” to the biz. If you are already a professional and successful fitness model, I am sure you may still glean some useful information from this article.First the bad news, there is no one way to become a successful fitness model. There is no single path or magic secret. There are however some key things a person can do to greatly improve their chances of “making it” in the fitness biz as a model, and perhaps using that success as a launching pad to greater things, such as movies, TV, etc.Several of the top fitness models (Trish Stratus and Vicki Pratt come to mind but there are many others) have gone onto careers in entertainment of all kinds. Bottom line, though there is no magic secret to being successful as a fitness model, this article will be about as close to a blueprint for success as you will find.”Do I need to compete?”This is a question I get asked all the time and it’s not an easy one to answer. In fact, the answer is (drum roll) yes and no. The person has to deicide why they are competing in the first place to answer that question. For example, do you need to compete if your goal is to be a successful fitness model?The answer is no. Many of today’s well-known fitness models have never competed, or they competed in a few small shows and it was clearly not part of their success as fitness models. However, competing does have its potential uses.One of them is exposure. At the upper level shows, there will often be editors, publishers, photographers, supplement company owners, and other business people. So, competing can improve your exposure. Also, competing can make sense if you are trying to build a business that is related to your competing or will benefit from you winning a show.For example, say you have a private training gym you are trying to build. Sure, having the title of say Ms Fitness America, or winning the NPC Nationals and being an IFBB pro, will help your reputation and the notoriety of your business. There are many scenarios were it would help to have won a show for a business or other endeavors.On the other hand, it must be realized that winning a show does not in any way guarantee success in the business end (and it really is a business) of being a fitness model. The phone wont ring off the hook with big offers for contracts. Also, it’s very important to realize that it’s common that the 4th or 6th or 8th place finisher in a fitness or figure show will get more press than the winner. Why? Though the winner might have what it took to win that show, it’s often other gals the editor, publishers, supplement companies etc, feel is more marketable.I have seen it many times where the winner was shocked to find she didn’t get nearly the attention she expected and other girls who placed lower have gotten attention in the form of photos shoots, magazine coverage, etc. Something to keep in mind when you ask yourself the important question “do I need to compete and if so, why am I competing?” Answer that question, and you will know the answer to the heading of this section. Winning a title of some sort can be a stepping stone, but it is not in itself any guarantee of success in the fitness industry. It’s like a college degree; it’s what you do with it.Now. If you compete for the fun of it, then by all means go for it, but the above is focusing on competing as it relates to the business aspect of being a fitness model.

Right body, wrong federation?Ok, so after reading the above you have decided you are going to compete, or will compete again. If you don’t plan to compete, you can skip this section. The biggest mistake I see here is so many gals have the right body for the wrong federation. Each federation has its own judging criteria and a competitor will do poorly simply because they didn’t bother to research which show would be best suited for them.I will give you a perfect real world example of this. Recently I judged a show whose criteria for the figure round was the women should be more on the curvy softer side with some tone, vs. being more muscular and athletic with less bodyfat that other federations might allow. At this show one of the most beautiful women I have ever seen came out. She was very proportional, great muscle tone, lean, and athletically shaped with narrow hips and waist and wider shoulders. How did she do at this show? She didn’t even place in the top ten!Why? Because she was not what we were instructed to look for and didn’t fit the criteria. After the show I informed her that she looked great, but this may not the federation for her. I told her she had much more of an NPC type body, where a little more muscle, athletic build, and less bodyfat is rewarded.The following week I was judging an NPC fitness, figure, and bodybuilding show and there she was. How did she do? She won the entire show with all judges voting her number one unanimously.Conversely, if your body type tends to be more rounded and toned, but with a little more bodyfat, wider (but not fat!) hips, you may be better off competing in say the Fitness America Pageants. If you are going to compete:(1) find out exactly what the judging criteria is for that federation and(2) go see those shows as a spectator for several different federations and see which one your physique, style, etc will fit into best.(3) You have to decide if you truly have the athletic abilities to compete in a fitness competition (which requires a routine) or a figure/bikini competition.I often see women who would do well in a figure show but really don’t have the athletic abilities do the routines required to be competitive with other athletes in the show. Some shows will allow you to do both competitions and some wont.Networking 101: dos and don’ts…In so many respects, this is the area that will make or break you in any business, and yet, people in the fitness industry do an amazingly poor job at it. If you don’t network and market yourself properly, you can pretty much forget about having any real success as a fitness model, or a success in virtually any business. For the sake of space, we will stick to fitness.When I first started out, I was a self marketing machine. I could be found at every show I thought might be an opportunity, walking the isles of trade shows, bodybuilding, shows, fitness show, and others. I gave out a zillion cards and I took a million home with me, and followed up on each and every one. I went to as many industry related meetings, outings, parties, etc. as I could get into. I now have the reputation and experience in the industry that I don’t have to go to such a show unless I feel like it, or have meetings, but they were quite helpful in the beginning.I am always amazed at the number of fitness models who contact me who have never even been to the Arnold Classic Fitness Weekend, or the Mr. Olympia, or the trade shows like the NNFA Expo West and others. If you want to make it in the fitness business you sure as hell had better treat it like a business.I have seen many a pretty girl who wants to be a fitness model who thinks if they stand there looking pretty long enough, someone is going to offer to put their face on the cover of a magazine. News flash, there are millions of beautiful women out there and to be noticed, you have to hussle to get that business like everyone else by networking your butt off, or having a good agent (if you can afford such a thing) who is doing it for you.Pick a few major industry shows to attend (some of which were mentioned above) and go to them every year. Have a plan of attack of exactly how you plan to market yourself and network. Many fitness models, bodybuilders, etc see a show as one big party. If that’s you, then have fun at the party, but don’t think you are really marketing yourself as a serous business person or athlete.Another thing that always amazes me is the number of fitness models who either have no business cards, or have some cards they printed up on their bubble jet printer at home! They ask me to help them or what ever and I say “give me your card” and they look at me like “I am so pretty I should not need a card you fool.” This attitude turns off editors, photographers, writers, and industry people faster then if they found out you were really a transvestite. Don’t do it. For every pretty girl out there who thinks the world owes them a favor, there are 100 who are ready to act like professionals.Ever wonder why some fitness model you know is doing better than you are even though you know you are prettier than her? That may be why…never ever go to a show to network without good cards, bios, and professionally done head and body shots you can give to said editors, publishers, photographers, industry types, etc. Don’t stand around looking pretty assuming they will find you, find them first and introduce yourself. And of course it should go without saying you should be in good condition and have something of a tan to look your best.You want to go to the shows and party? Fine, but do it in private after the work is done and don’t make a fool out of yourself at some industry sponsored get together. Hell, I was virtually poured into a cab at last years Arnold Classic after going to a sushi place with some well know industry types and companies owners (you know who you are!) but at least no one saw me! We had our own little private get together after the show to let loose.Let me give you one final real world example of how NOT to market yourself. Last year I was on retainer as a consultant to a mid sized supplement company. The owner of the company asked me if I knew a couple of fitness model types that could work his booth for a trade show. In fact, he requested “unknowns, some new faces people had not seen yet but had real potential to grow with the company.” I went and found him two such gals I thought fit the bill.He offered to pay their flights, room, and food plus a thousand dollars each for the days work. The two girls were told to be at the booth 9am sharp. The night before at the hotel, I saw the two girls getting in a cab at 11pm or so dressed to kill, clearly on their way out to party. The next day they showed up at the booth an hour and a half late and hung over! What was the result of this? (1) it embarrassed me to no end as I had recommended them to the company owner (2) they would never get work from that company again (3) they would never get any work from me again and (4) they would not get a reference from either of us for other jobs.I see this type of thing all the time in the fitness biz, and it’s not limited to fitness models. Amazingly, a few weeks after the show they emailed me and the company owner wanting to know when their next job would be! Amazing…Who loves you baby?If there is one universal truth, it’s that the camera either loves you or it does not. Any professional photographers will tell you this. For some unknown reason, some people are very photogenic and some are not. Truth be known, there are some well known fitness models (who shall remain nameless as they would probably smack me the next time they saw me) who are not all that attractive in person. It’s just that the camera loves them and they are very photogenic, but not terribly pretty in person.Conversely, I have seen the reverse many times; a girl who is much better looking in person than in photographs. Such is the fate of the person who wants to be a model of any kind, including a fitness model. If you find you are not very photogenic, keep working with different photographers until you find one that really captures you well and pay that photographer handsomely!Now, to be bluntly honest, there are also some want to be fitness models who are not “unphotogenic”, they’re just “fugly”! There are some people out there who have no business trying to be fitness models. It does not make them bad people, it just means they need to snap out of their delusions and find a profession they are better suited for, like radio personality….”How do I get in the magazines?”This section sort of incorporates everything I have covered above, and adds in a few additional strategies. For example, as I mentioned before, competing in fitness shows and or figure/bikini shows can increase your exposure, thus getting the attention of some magazine publisher or photographer. Networking correctly at the various trade shows may also have the same effect, and of course having a good portfolio done by a photographer that really captures your look, a good web site, etc., will all increase your potential for getting into the magazines, or getting ad work, and so on.However, all of these strategies are still somewhat passive versus active in my opinion. It’s still the fitness model waiting to be “discovered.” As far as I am concerned, waiting is for bus stops and pregnancy tests. Success waits for no man…or woman as the case me be. So, after all the above advice is taken into consideration as having an added effect to getting you magazine coverage, what else can be done?For one thing, you should read and be familiar with all the magazines you want to be in so you know who is who and what the style of the different magazines are. I can tell you right now, if say the Editor-in-Chief of a good sized fitness or bodybuilding publications and says “hi, I am the Bob Smith what’s your name?” and the fitness model has no idea who Bob Smith is, Bob will not take kindly to that. Why should he? You should know who the major players are in the publications you want to be seen in. He is doing you the favor, not the other way around. You should know who the major players are and actively seek them out, don’t wait for them to “discover” you.

If you look at the masthead inside any magazine, it will tell you who the publisher is, who the Editor-in-Chief is and so forth. The mailing address for that magazine, and often the web site and email, can also be found. What is to stop you from looking up those names and mailing them your pictures and resume directly? Nothing, that’s what. If you see a photo spread you think is really well done, what is to stop you from finding out who the photographer is and contacting them directly and sending them your pics? Nothing, that’s what.My point being, you want a get a break in the business, make the break, don’t sit there thinking it’s looking for you, because it’s not. Be proactive, not reactive! Luck is the residue of design. Be successful by design. As my older brother used to say to me as a kid when I told him I was too scared to ask out a pretty girl “what’s the worst that can happen Will? All she can say is no.” That’s the worst that can happen to you also.Beware of web idiots, schlubs, morons, perverts, scum bags, and sleazoids!This part is sort of self-explanatory but worth mentioning. As with all industries that deal in entertainment based media (e.g., television, theater, modeling, etc.), the fitness industry attracts its far share of web idiots, schlubs, morons, perverts, scum bags, and sleazoids, to name just a few.There is also the class of person known as the schmoe, but we will leave that for another place and time. Point is you want to meet the right people while not getting involved with that group of worthless types who will only drag you down, delay you, or just flat out screw you up and over.For example, a guy comes up and says he wants to “shoot you” for the magazines, but what do you really know of this guy? He has a camera and some business cards, so that makes him a photographer right? Wrong! If someone want to shoot you and they are not a well-known name (and you should know who the well known photographers are because you researched that already!), find out who they are. Do they have references you can call? Girls you can contact he has shot before and were happy with the work? What magazines has he published in? Does he do it professionally or as a hobby? That type of thing.Another thing I see is the big web scam. I’m amazed how many girls get scammed by these web idiots. Lesson here is you get what you pay for, so when some person wants to build you a web site for free, you are getting what you pay for. Yes, there is good money to be made on the ‘net, and the net can be great for marketing yourself and making contacts, but most of it’s a scam.You are better off paying a good web designer and web master who has experience with other fitness model types and has references you can talk to. I can’t tell you the number of girls who have been screwed over by some internet thing that went to hell, like the “fan” who volunteers to build a free web site and either runs off with any money made from the site or puts their picks on porn sites and any number of other things that made them regret like hell ever agreeing to the site in the first place.Clearly, I can’t go down the list of all the possible pitfalls of the web idiots, schlubs, morons, perverts, scum bags, and sleazoids out there to be found in the entertainment business, but you get the idea. Be careful!Conclusion.Well that pretty much concludes my down and dirty guide to the basics of “making it” as a fitness model. Of course there are tons of business related issues I could cover and tricks I could give, but the above is the best advice you are going to find in s small space and will do more for you-if properly followed-than you may realize.Good luck and see you in the magazines!More articles like this at:FIGURE/FITNESS MARKETING EXPLAINED

Outsource Your Online Business Creation And Focus On Marketing

When marketing online, you will tend to try to do everything by yourself in order to save money. Good if you are expert in everything that you intend to do but you are just wasting a lot of time and effort if you are new and try to learn everything. What you should do is outsource those skills that you do not possess and concentrate on your online marketing efforts.Imagine putting all your hard work into creating your online business and when you are done, the results are nothing but mediocre. If you are not good at something, admit it and get someone who is good at doing it to do for you.

Here are 3 types of business creation steps you can outsource.1. Website DesignIf you know zilch about HTML, PHP, FTP, etc; you shouldn’t really look into learning all of them. While they are good knowledge to possess, sometimes it is better to get a website designer to do them for you.There are many web developers online and the prices of website creation are not that expensive unless of course if you are looking to do a huge website.2. Graphics DesignIf you cannot design graphics, then stop pretending to be an artist. Graphic designers online have now become more sophisticated and with the advent of terms such as Web 2.0, the learning curve has been longer than ever if you want to do the same.What you can do is either but graphics which have been pre-designed and insert them on your websites or simply get a custom graphic designed for you. You will certainly appreciate the more stunning designs that can be created by graphics designers.

3. Writing ServicesWell, not everyone can write well. Thus you can always hire writers to write the content of your website for you. Armed with experience and mastery of the language plus an eye for researching about various topics, writers can make your job easier and you do not even need to reach out for a pen or type away endlessly on your keyboard.While there are many other services which your can outsource like search engine optimization and website submissions, you will do well to pay for such services and focus on your marketing instead.

Insurance Law – An Indian Perspective

INTRODUCTION”Insurance should be bought to protect you against a calamity that would otherwise be financially devastating.”In simple terms, insurance allows someone who suffers a loss or accident to be compensated for the effects of their misfortune. It lets you protect yourself against everyday risks to your health, home and financial situation.Insurance in India started without any regulation in the Nineteenth Century. It was a typical story of a colonial epoch: few British insurance companies dominating the market serving mostly large urban centers. After the independence, it took a theatrical turn. Insurance was nationalized. First, the life insurance companies were nationalized in 1956, and then the general insurance business was nationalized in 1972. It was only in 1999 that the private insurance companies have been allowed back into the business of insurance with a maximum of 26% of foreign holding.”The insurance industry is enormous and can be quite intimidating. Insurance is being sold for almost anything and everything you can imagine. Determining what’s right for you can be a very daunting task.”Concepts of insurance have been extended beyond the coverage of tangible asset. Now the risk of losses due to sudden changes in currency exchange rates, political disturbance, negligence and liability for the damages can also be covered.But if a person thoughtfully invests in insurance for his property prior to any unexpected contingency then he will be suitably compensated for his loss as soon as the extent of damage is ascertained.The entry of the State Bank of India with its proposal of bank assurance brings a new dynamics in the game. The collective experience of the other countries in Asia has already deregulated their markets and has allowed foreign companies to participate. If the experience of the other countries is any guide, the dominance of the Life Insurance Corporation and the General Insurance Corporation is not going to disappear any time soon.
The aim of all insurance is to compensate the owner against loss arising from a variety of risks, which he anticipates, to his life, property and business. Insurance is mainly of two types: life insurance and general insurance. General insurance means Fire, Marine and Miscellaneous insurance which includes insurance against burglary or theft, fidelity guarantee, insurance for employer’s liability, and insurance of motor vehicles, livestock and crops.LIFE INSURANCE IN INDIA”Life insurance is the heartfelt love letter ever written.It calms down the crying of a hungry baby at night. It relieves the heart of a bereaved widow.It is the comforting whisper in the dark silent hours of the night.”Life insurance made its debut in India well over 100 years ago. Its salient features are not as widely understood in our country as they ought to be. There is no statutory definition of life insurance, but it has been defined as a contract of insurance whereby the insured agrees to pay certain sums called premiums, at specified time, and in consideration thereof the insurer agreed to pay certain sums of money on certain condition sand in specified way upon happening of a particular event contingent upon the duration of human life.Life insurance is superior to other forms of savings!”There is no death. Life Insurance exalts life and defeats death.It is the premium we pay for the freedom of living after death.”Savings through life insurance guarantee full protection against risk of death of the saver. In life insurance, on death, the full sum assured is payable (with bonuses wherever applicable) whereas in other savings schemes, only the amount saved (with interest) is payable.The essential features of life insurance are a) it is a contract relating to human life, which b) provides for payment of lump-sum amount, and c) the amount is paid after the expiry of certain period or on the death of the assured. The very purpose and object of the assured in taking policies from life insurance companies is to safeguard the interest of his dependents viz., wife and children as the case may be, in the even of premature death of the assured as a result of the happening in any contingency. A life insurance policy is also generally accepted as security for even a commercial loan.NON-LIFE INSURANCE”Every asset has a value and the business of general insurance is related to the protection of economic value of assets.”Non-life insurance means insurance other than life insurance such as fire, marine, accident, medical, motor vehicle and household insurance. Assets would have been created through the efforts of owner, which can be in the form of building, vehicles, machinery and other tangible properties. Since tangible property has a physical shape and consistency, it is subject to many risks ranging from fire, allied perils to theft and robbery.
Few of the General Insurance policies are:Property Insurance: The home is most valued possession. The policy is designed to cover the various risks under a single policy. It provides protection for property and interest of the insured and family.Health Insurance: It provides cover, which takes care of medical expenses following hospitalization from sudden illness or accident.
Personal Accident Insurance: This insurance policy provides compensation for loss of life or injury (partial or permanent) caused by an accident. This includes reimbursement of cost of treatment and the use of hospital facilities for the treatment.Travel Insurance: The policy covers the insured against various eventualities while traveling abroad. It covers the insured against personal accident, medical expenses and repatriation, loss of checked baggage, passport etc.Liability Insurance: This policy indemnifies the Directors or Officers or other professionals against loss arising from claims made against them by reason of any wrongful Act in their Official capacity.Motor Insurance: Motor Vehicles Act states that every motor vehicle plying on the road has to be insured, with at least Liability only policy. There are two types of policy one covering the act of liability, while other covers insurers all liability and damage caused to one’s vehicles.JOURNEY FROM AN INFANT TO ADOLESCENCE!Historical PerspectiveThe history of life insurance in India dates back to 1818 when it was conceived as a means to provide for English Widows. Interestingly in those days a higher premium was charged for Indian lives than the non-Indian lives as Indian lives were considered more risky for coverage.

The Bombay Mutual Life Insurance Society started its business in 1870. It was the first company to charge same premium for both Indian and non-Indian lives. The Oriental Assurance Company was established in 1880. The General insurance business in India, on the other hand, can trace its roots to the Triton (Tital) Insurance Company Limited, the first general insurance company established in the year 1850 in Calcutta by the British. Till the end of nineteenth century insurance business was almost entirely in the hands of overseas companies.Insurance regulation formally began in India with the passing of the Life Insurance Companies Act of 1912 and the Provident Fund Act of 1912. Several frauds during 20′s and 30′s desecrated insurance business in India. By 1938 there were 176 insurance companies. The first comprehensive legislation was introduced with the Insurance Act of 1938 that provided strict State Control over insurance business. The insurance business grew at a faster pace after independence. Indian companies strengthened their hold on this business but despite the growth that was witnessed, insurance remained an urban phenomenon.The Government of India in 1956, brought together over 240 private life insurers and provident societies under one nationalized monopoly corporation and Life Insurance Corporation (LIC) was born. Nationalization was justified on the grounds that it would create much needed funds for rapid industrialization. This was in conformity with the Government’s chosen path of State lead planning and development.The (non-life) insurance business continued to prosper with the private sector till 1972. Their operations were restricted to organized trade and industry in large cities. The general insurance industry was nationalized in 1972. With this, nearly 107 insurers were amalgamated and grouped into four companies – National Insurance Company, New India Assurance Company, Oriental Insurance Company and United India Insurance Company. These were subsidiaries of the General Insurance Company (GIC).The life insurance industry was nationalized under the Life Insurance Corporation (LIC) Act of India. In some ways, the LIC has become very flourishing. Regardless of being a monopoly, it has some 60-70 million policyholders. Given that the Indian middle-class is around 250-300 million, the LIC has managed to capture some 30 odd percent of it. Around 48% of the customers of the LIC are from rural and semi-urban areas. This probably would not have happened had the charter of the LIC not specifically set out the goal of serving the rural areas. A high saving rate in India is one of the exogenous factors that have helped the LIC to grow rapidly in recent years. Despite the saving rate being high in India (compared with other countries with a similar level of development), Indians display high degree of risk aversion. Thus, nearly half of the investments are in physical assets (like property and gold). Around twenty three percent are in (low yielding but safe) bank deposits. In addition, some 1.3 percent of the GDP are in life insurance related savings vehicles. This figure has doubled between 1985 and 1995.A World viewpoint – Life Insurance in IndiaIn many countries, insurance has been a form of savings. In many developed countries, a significant fraction of domestic saving is in the form of donation insurance plans. This is not surprising. The prominence of some developing countries is more surprising. For example, South Africa features at the number two spot. India is nestled between Chile and Italy. This is even more surprising given the levels of economic development in Chile and Italy. Thus, we can conclude that there is an insurance culture in India despite a low per capita income. This promises well for future growth. Specifically, when the income level improves, insurance (especially life) is likely to grow rapidly.INSURANCE SECTOR REFORM:Committee Reports: One Known, One Anonymous!Although Indian markets were privatized and opened up to foreign companies in a number of sectors in 1991, insurance remained out of bounds on both counts. The government wanted to proceed with caution. With pressure from the opposition, the government (at the time, dominated by the Congress Party) decided to set up a committee headed by Mr. R. N. Malhotra (the then Governor of the Reserve Bank of India).Malhotra CommitteeLiberalization of the Indian insurance market was suggested in a report released in 1994 by the Malhotra Committee, indicating that the market should be opened to private-sector competition, and eventually, foreign private-sector competition. It also investigated the level of satisfaction of the customers of the LIC. Inquisitively, the level of customer satisfaction seemed to be high.In 1993, Malhotra Committee – headed by former Finance Secretary and RBI Governor Mr. R. N. Malhotra – was formed to evaluate the Indian insurance industry and recommend its future course. The Malhotra committee was set up with the aim of complementing the reforms initiated in the financial sector. The reforms were aimed at creating a more efficient and competitive financial system suitable for the needs of the economy keeping in mind the structural changes presently happening and recognizing that insurance is an important part of the overall financial system where it was necessary to address the need for similar reforms. In 1994, the committee submitted the report and some of the key recommendations included:o StructureGovernment bet in the insurance Companies to be brought down to 50%. Government should take over the holdings of GIC and its subsidiaries so that these subsidiaries can act as independent corporations. All the insurance companies should be given greater freedom to operate.
CompetitionPrivate Companies with a minimum paid up capital of Rs.1 billion should be allowed to enter the sector. No Company should deal in both Life and General Insurance through a single entity. Foreign companies may be allowed to enter the industry in collaboration with the domestic companies. Postal Life Insurance should be allowed to operate in the rural market. Only one State Level Life Insurance Company should be allowed to operate in each state.o Regulatory BodyThe Insurance Act should be changed. An Insurance Regulatory body should be set up. Controller of Insurance – a part of the Finance Ministry- should be made Independent.o InvestmentsCompulsory Investments of LIC Life Fund in government securities to be reduced from 75% to 50%. GIC and its subsidiaries are not to hold more than 5% in any company (there current holdings to be brought down to this level over a period of time).o Customer ServiceLIC should pay interest on delays in payments beyond 30 days. Insurance companies must be encouraged to set up unit linked pension plans. Computerization of operations and updating of technology to be carried out in the insurance industry. The committee accentuated that in order to improve the customer services and increase the coverage of insurance policies, industry should be opened up to competition. But at the same time, the committee felt the need to exercise caution as any failure on the part of new competitors could ruin the public confidence in the industry. Hence, it was decided to allow competition in a limited way by stipulating the minimum capital requirement of Rs.100 crores.The committee felt the need to provide greater autonomy to insurance companies in order to improve their performance and enable them to act as independent companies with economic motives. For this purpose, it had proposed setting up an independent regulatory body – The Insurance Regulatory and Development Authority.Reforms in the Insurance sector were initiated with the passage of the IRDA Bill in Parliament in December 1999. The IRDA since its incorporation as a statutory body in April 2000 has meticulously stuck to its schedule of framing regulations and registering the private sector insurance companies.Since being set up as an independent statutory body the IRDA has put in a framework of globally compatible regulations. The other decision taken at the same time to provide the supporting systems to the insurance sector and in particular the life insurance companies was the launch of the IRDA online service for issue and renewal of licenses to agents. The approval of institutions for imparting training to agents has also ensured that the insurance companies would have a trained workforce of insurance agents in place to sell their products.The Government of India liberalized the insurance sector in March 2000 with the passage of the Insurance Regulatory and Development Authority (IRDA) Bill, lifting all entry restrictions for private players and allowing foreign players to enter the market with some limits on direct foreign ownership. Under the current guidelines, there is a 26 percent equity lid for foreign partners in an insurance company. There is a proposal to increase this limit to 49 percent.The opening up of the sector is likely to lead to greater spread and deepening of insurance in India and this may also include restructuring and revitalizing of the public sector companies. In the private sector 12 life insurance and 8 general insurance companies have been registered. A host of private Insurance companies operating in both life and non-life segments have started selling their insurance policies since 2001Mukherjee CommitteeImmediately after the publication of the Malhotra Committee Report, a new committee, Mukherjee Committee was set up to make concrete plans for the requirements of the newly formed insurance companies. Recommendations of the Mukherjee Committee were never disclosed to the public. But, from the information that filtered out it became clear that the committee recommended the inclusion of certain ratios in insurance company balance sheets to ensure transparency in accounting. But the Finance Minister objected to it and it was argued by him, probably on the advice of some of the potential competitors, that it could affect the prospects of a developing insurance company.LAW COMMISSION OF INDIA ON REVISION OF THE INSURANCE ACT 1938 – 190th Law Commission ReportThe Law Commission on 16th June 2003 released a Consultation Paper on the Revision of the Insurance Act, 1938. The previous exercise to amend the Insurance Act, 1938 was undertaken in 1999 at the time of enactment of the Insurance Regulatory Development Authority Act, 1999 (IRDA Act).The Commission undertook the present exercise in the context of the changed policy that has permitted private insurance companies both in the life and non-life sectors. A need has been felt to toughen the regulatory mechanism even while streamlining the existing legislation with a view to removing portions that have become superfluous as a consequence of the recent changes.Among the major areas of changes, the Consultation paper suggested the following:a. merging of the provisions of the IRDA Act with the Insurance Act to avoid multiplicity of legislations;b. deletion of redundant and transitory provisions in the Insurance Act, 1938;c. Amendments reflect the changed policy of permitting private insurance companies and strengthening the regulatory mechanism;d. Providing for stringent norms regarding maintenance of ‘solvency margin’ and investments by both public sector and private sector insurance companies;e. Providing for a full-fledged grievance redressal mechanism that includes:o The constitution of Grievance Redressal Authorities (GRAs) comprising one judicial and two technical members to deal with complaints/claims of policyholders against insurers (the GRAs are expected to replace the present system of insurer appointed Ombudsman);o Appointment of adjudicating officers by the IRDA to determine and levy penalties on defaulting insurers, insurance intermediaries and insurance agents;o Providing for an appeal against the decisions of the IRDA, GRAs and adjudicating officers to an Insurance Appellate Tribunal (IAT) comprising a judge (sitting or retired) of the Supreme Court/Chief Justice of a High Court as presiding officer and two other members having sufficient experience in insurance matters;o Providing for a statutory appeal to the Supreme Court against the decisions of the IAT.LIFE & NON-LIFE INSURANCE – Development and Growth!The year 2006 turned out to be a momentous year for the insurance sector as regulator the Insurance Regulatory Development Authority Act, laid the foundation for free pricing general insurance from 2007, while many companies announced plans to attack into the sector.Both domestic and foreign players robustly pursued their long-pending demand for increasing the FDI limit from 26 per cent to 49 per cent and toward the fag end of the year, the Government sent the Comprehensive Insurance Bill to Group of Ministers for consideration amid strong reservation from Left parties. The Bill is likely to be taken up in the Budget session of Parliament.The infiltration rates of health and other non-life insurances in India are well below the international level. These facts indicate immense growth potential of the insurance sector. The hike in FDI limit to 49 per cent was proposed by the Government last year. This has not been operationalized as legislative changes are required for such hike. Since opening up of the insurance sector in 1999, foreign investments of Rs. 8.7 billion have tipped into the Indian market and 21 private companies have been granted licenses.

The involvement of the private insurers in various industry segments has increased on account of both their capturing a part of the business which was earlier underwritten by the public sector insurers and also creating additional business boulevards. To this effect, the public sector insurers have been unable to draw upon their inherent strengths to capture additional premium. Of the growth in premium in 2004-05, 66.27 per cent has been captured by the private insurers despite having 20 per cent market share.The life insurance industry recorded a premium income of Rs.82854.80 crore during the financial year 2004-05 as against Rs.66653.75 crore in the previous financial year, recording a growth of 24.31 per cent. The contribution of first year premium, single premium and renewal premium to the total premium was Rs.15881.33 crore (19.16 per cent); Rs.10336.30 crore (12.47 per cent); and Rs.56637.16 crore (68.36 per cent), respectively. In the year 2000-01, when the industry was opened up to the private players, the life insurance premium was Rs.34,898.48 crore which constituted of Rs. 6996.95 crore of first year premium, Rs. 25191.07 crore of renewal premium and Rs. 2740.45 crore of single premium. Post opening up, single premium had declined from Rs.9, 194.07 crore in the year 2001-02 to Rs.5674.14 crore in 2002-03 with the withdrawal of the guaranteed return policies. Though it went up marginally in 2003-04 to Rs.5936.50 crore (4.62 per cent growth) 2004-05, however, witnessed a significant shift with the single premium income rising to Rs. 10336.30 crore showing 74.11 per cent growth over 2003-04.The size of life insurance market increased on the strength of growth in the economy and concomitant increase in per capita income. This resulted in a favourable growth in total premium both for LIC (18.25 per cent) and to the new insurers (147.65 per cent) in 2004-05. The higher growth for the new insurers is to be viewed in the context of a low base in 2003- 04. However, the new insurers have improved their market share from 4.68 in 2003-04 to 9.33 in 2004-05.The segment wise break up of fire, marine and miscellaneous segments in case of the public sector insurers was Rs.2411.38 crore, Rs.982.99 crore and Rs.10578.59 crore, i.e., a growth of (-)1.43 per cent, 1.81 per cent and 6.58 per cent. The public sector insurers reported growth in Motor and Health segments (9 and 24 per cent). These segments accounted for 45 and 10 per cent of the business underwritten by the public sector insurers. Fire and “Others” accounted for 17.26 and 11 per cent of the premium underwritten. Aviation, Liability, “Others” and Fire recorded negative growth of 29, 21, 3.58 and 1.43 per cent. In no other country that opened at the same time as India have foreign companies been able to grab a 22 per cent market share in the life segment and about 20 per cent in the general insurance segment. The share of foreign insurers in other competing Asian markets is not more than 5 to 10 per cent.The life insurance sector grew new premium at a rate not seen before while the general insurance sector grew at a faster rate. Two new players entered into life insurance – Shriram Life and Bharti Axa Life – taking the total number of life players to 16. There was one new entrant to the non-life sector in the form of a standalone health insurance company – Star Health and Allied Insurance, taking the non-life players to 14.A large number of companies, mostly nationalized banks (about 14) such as Bank of India and Punjab National Bank, have announced plans to enter the insurance sector and some of them have also formed joint ventures.The proposed change in FDI cap is part of the comprehensive amendments to insurance laws – The Insurance Act of 1999, LIC Act, 1956 and IRDA Act, 1999. After the proposed amendments in the insurance laws LIC would be able to maintain reserves while insurance companies would be able to raise resources other than equity.About 14 banks are in queue to enter insurance sector and the year 2006 saw several joint venture announcements while others scout partners. Bank of India has teamed up with Union Bank and Japanese insurance major Dai-ichi Mutual Life while PNB tied up with Vijaya Bank and Principal for foraying into life insurance. Allahabad Bank, Karnataka Bank, Indian Overseas Bank, Dabur Investment Corporation and Sompo Japan Insurance Inc have tied up for forming a non-life insurance company while Bank of Maharashtra has tied up with Shriram Group and South Africa’s Sanlam group for non-life insurance venture.CONCLUSIONIt seems cynical that the LIC and the GIC will wither and die within the next decade or two. The IRDA has taken “at a snail’s pace” approach. It has been very cautious in granting licenses. It has set up fairly strict standards for all aspects of the insurance business (with the probable exception of the disclosure requirements). The regulators always walk a fine line. Too many regulations kill the motivation of the newcomers; too relaxed regulations may induce failure and fraud that led to nationalization in the first place. India is not unique among the developing countries where the insurance business has been opened up to foreign competitors.The insurance business is at a critical stage in India. Over the next couple of decades we are likely to witness high growth in the insurance sector for two reasons namely; financial deregulation always speeds up the development of the insurance sector and growth in per capita GDP also helps the insurance business to grow.

Sedation Dentistry: It’s Important to Understand Different Types of It

One of the biggest reasons for people to avoid any visit to a dental clinic is the fear of the equipment. Now let me tell you something – The dental professional which you will choose is qualified enough and has years of experience. They will never perform any procedure (surgical or non-surgical) without any precaution. So for the purpose of surgical procedure dentistry has a new development called sedation dentistry. The information present in this article is for you to understand that sedation dentistry is safe and really important.Honestly you must not have heard much about sedation dentistry but it has been in existence since a really long time. There is one sedation dentistry technique which is being since 1840s till date. In this technique your dentist will use Nitrous Oxide popularly known as laughing gas. Furthermore the use of ether in general sedation was introduced in the dentistry vertical by a Welsh Student.

Sedation Dentistry is apt for those patients who have the tendency of feeling anxiety when they have to undergo a dental treatment. Sedative can be used for any sort of dental treatment whether it is surgical or simply tooth whitening and cleaning. So basically sedation dentistry helps a patient to relax and feel nothing while undergoing a dental treatment. At times this procedure is referred to as sleep dentistry however the fact is that even though sedatives are applied patients are still awake.Sedation Dentistry involves four levels:• Minimal: Where-in the patient is awake but is completely relaxed.
• Moderate: You won’t remember every detail and step of the procedure but you might speak in a dizzy tone.
• Deep: Not completely awake and not completely unconscious.
• General: You will be completely unconscious.This form of dentistry is categorized into four types. These types have been mentioned below:• Inhaled minimal: Here you will be breathing in laughing gas or Nitrous oxide. The gas is inhaled in combination with oxygen through a mask. It helps in relaxing your entire body and nerves.• Oral: You will be given a pill an hour before the procedure will start. The sedation can range from minimal to moderate depending upon the total dose. The effect will be that you will feel drowsy but will still be awake. You might even sleep but can be awaken by a little shake.• IV moderate: You will receive this sedation through a vein. The effect is quick.• Deep: This will make your body completely unconscious. You won’t wake up unless the effect of sedative subsides.Apart from all these sedatives that are being used you will also receive a local anesthesia. This will help in numbing the area where your dentist will perform the procedure.

As mentioned before sedation dentistry is best for those who anxiety problem. This problem prevents them patients from visiting the dental clinic. The other reasons why sedation dentistry is best for you are:• You cannot tolerate pain
• You can’t sit at the dentist’s chair
• Tooth Sensitivity
• You gag too soon
• Some major dental problems to be fixed in terms of surgery.You need to tell your dental professional that you suffer from any of the above listed problems. After gauging the dental problem he/she will then decide whether you will undergo sedation dentistry or not. They will also decide the type of sedation which is right for you.There is no harm in looking into sedation dentistry. You must know that a dentist who is performing this procedure is someone who understands your problem and is ready to work with you.

Dysfunctional Environments: What Is A Dysfunctional Environment?

When it comes to describing a dysfunctional environment, it might help us to also look at what a functional environment might look like.Functional EnvironmentA functional environment then; would be an area that is conducive to growth. Somewhere that not only supports and encourages an individual to be themselves, but also allows them to.Here, one can express who they are and feel safe doing so. Positive feelings and thoughts are also more likely to occur in this environment.Dysfunctional EnvironmentThe dysfunctional environment on the other hand would be somewhere that doesn’t allow for the above to happen. Where the individual doesn’t feel supported or acknowledged in anyway, let alone in a way that honours who they are. This might be an environment that forces one to constantly compromise their values and themselves.The word door mat comes to mind here; with boundaries being nonexistent in this environment. Feeling and thinking negatively is also something that might seem to just happen; coming on like a parasite, without reason or warning. Despair is also another common consequence from being in this type of environment.Conscious And Unconscious EnvironmentsWith both of these examples we can see that one is an environment that could be classed as conscious and the other is an environment that is the complete opposite.By this I mean that the dysfunctional environment is an environment where behaviour and the effects of that behaviour go unnoticed. The people in the environment have little, to, no awareness of their actions or to the damage, which is being carried out physically, emotionally or mentally.

Standing UpPerhaps if one were to comment or mention how they felt to the person or persons in the environment, they might be dismissed or ignored. This of course all depends on how dysfunctional the environment is.The Frog MetaphorThis is a story that is helpful in explaining the insidious nature of the dysfunctional environment.It is about a frog that is put in a pan and is cooked so gradually that it doesn’t know or notice the difference in temperature. And after this slow rise, the frog dies. It was oblivious to what was happening and its imminent death. It became comfortable and numb to what it was experiencing.So How Does This Relate To Dysfunctional Environments?Within this environment one will notice at first that it is draining to them. However unless one takes the steps to break away or steps out of the environment so that it can be seen from another perspective, they might start to feel comfortable within this environment. With their original state of mind and aliveness; fast becoming a distant memory.Now this could be because of a gradual drip feed approach or the slow cooking approach mentioned above. It might also be because it is an environment that feels comfortable and safe to them; as absurd as this sounds. It is reminding them of their history and what hasn’t been looked at.Is This How It Is?One might have never been in a functional environment. This makes it difficult in seeing contrast and in being able to compare it to other environments in their life. One might believe that this is how life is and that there is no such thing as a ‘functional environment’ or that it’s not possible for them.HistoryWe all have our own history, some parts that are likely to bring us feelings of happiness and other parts that might cause feelings of anger or resentment. This is history that won’t just disappear; it has to be faced in some way. That could be by directly facing something or by the assistance of a therapist for example.Pulled To Our PastWe will naturally be drawn into environments that are mind unconsciously associates as being what is safe to us. These environments won’t always be places that empower or honour who we are. They will be environments that mirror the behaviours, feelings and thoughts of our childhood.AssociationsThis is because of the nature of the mind and how it gets attached and creates attachments. What was experienced as a child becomes what is familiar and safe to the ego mind; regardless of if it is functional or not. If these associations are functional and beneficial, then what will subsequently happen is one will usually end up in environments that are at least moderately healthy and functional.Unhealthy AssociationsHowever if these are associations that are not so healthy or functional; one is likely to find that they are ending up in the same environments. Environments that are disempowering and don’t reflect what they consciously want or what their heart calls for. Where their energy is being taken and no energy is being returned.The Childhood EnvironmentAbove I have mentioned about our later environments mirroring the behaviours feelings and thoughts of our childhood environment if they have not been processed.

Common themes of those years will continue to appear and play out in our present day environments. These might be themes that our unique to us; challenges that just seem to appear over and over again.A Recent StudyI recently read about a group of rat pups that were genetically predisposed to be more fearful than other strains of rats. If these rats were left with their biological mothers, they were likely to be fearful and stressed. However after placing these rat pups with other rat mothers that were not fearful; they grew up without fear.The Power Of The EnvironmentNow these might be rats that were talking about here, but what this shows is the power of the environment in shaping how we see ourselves and in who we become.There is always talk of nature vs. nurture and on the effect genetics have on life, however through the study of epigenetic’s genes have been found to require a trigger to be activated and that trigger is the environment. It is the environment that is making the difference.Choosing Our EnvironmentsChoosing our environments and therefore the people we have in our life and spend our time with is incredibly important to our own wellbeing and in achieving our dreams.The natural tendency of our mind will be to return to what feels comfortable and to what is familiar.Who We AreWhat happened in or childhood or what has happened in our past doesn’t have to define our life or who we are. That is something we can do in each moment of our life.

Put Power Behind Your Nutritional Information

Nutrition information and natural remedies are now being used by a large population in the United States and throughout the world. People are looking for alternative ways to create health or recover from long standing illnesses. Drugs have been applied for around a hundred years and we all know that they are good for emergencies and for short term use to get past health dangers.If you are sick or have certain body conditions that are creating pain, then consider learning enough nutrition information that will help you eliminate that sickness or pain. Learning the basic principles of nutrition is not hard, but it does take a little effort in finding the right nutritional course that teaches practical ways of applying nutrition.Nutrition is actually a science, which can get quite complex in theory. Nutrition information is concerned with the chemical make up of food, how this food is digested, how it is absorbed and used by your body. It is all about how it is used to promote health, and how it is used to prevent and eliminated illness.

Applying practical nutrition stops the beginning of inflammation. This prevents the formation of disease. If disease is developing or well established, nutrition can reverse these conditions. But it can only do this if not to much tissue or cells in that area have not been destroyed.Inflammation comes from excess acid in your body. This acid is created from the foods you eat. Eating certain foods leave an acid residue in your cells that then travels into the liquid surrounding your cells – lymph liquid. In the lymph liquid, this acid can damage the surrounding cells and tissue and in doing so starts the inflammation process.Many scientists and medical researchers have uncovered the basic principles of the acid-alkaline body. Maintaining an acid body, which many people have, is what creates and maintains various deadly diseases. Most pathogens like an acid body. Cancer thrives in an acid body.Nutrition gives you the information you need to know on how to maintain an alkaline body. It gives you the information on what foods are acid and alkaline. Eating the right foods is how you maintain your health. But, nutrition information goes further in explaining how your body uses the foods you eat and how your entire body functions with this good food.Nutrition says your body is bioelectrical. Your body is run by electrical and chemical reactions. You need to discover what foods support these electrical and chemical activities. Without the right electrical activities in your body, your cells will not get the right nutrition, which is necessary for your survival. Nutrition is also about discovering what food, nutrients and minerals your body needs and what illness you develop if you don’t get them.

Learning natural nutrition information is now possible online. In the past it was difficult to learn nutrition without going to school. Finding courses in practical nutrition can be difficult but what you and most people need is to learn is nutrition that you can put into practice. Find the time, find the course, and find the health that you need with the right nutrition course.

Worksite Wellness Coordinators – 3 Measures of Your Program’s Effectiveness and Success (Critical!)

The fact that less than 50% of the worksite wellness programs today conduct any type of program analysis or evaluation is a huge problematic issue. You can better manage and improve what you measure. And you do want to better manage and improve your program as needed, right?Essentially, there are three broad areas within your wellness program that you can evaluate. They are: program structure, how the program is being delivered and the program’s expected outcomes.Program StructureResearch has found that effective, successful worksite wellness programs are well-designed and comprehensive in their approach. Therefore, an assessment of a program’s structure focuses on whether key structural components are in place. To assess your program, you need to ask yourself the following questions:1. How committed is your organization’s leadership to the program?2. Are your programming and interventions based on the needs identified by your comprehensive, organization-wide needs assessment?3. Are your programming and interventions aligned to the demographic and health status characteristics of your target audience?4. Are the topics covered relevant to your target audience?

5. Are your programming and interventions evidence-based?6. Do coherence, consistency, and integration exist between the various components of your program?7. If you use incentives, does the value equal or exceed the requirements needed to obtain the incentives?8. Are your incentives appropriately designed for their intended purpose?9. Does your program have sufficient resources allocated and is the staffing adequate?10. Are the necessary organizational factors important to success integrated into the program design?11. Is the program seen as being a permanent, integrated feature of employee benefits?12. Is the program aligned with the culture of your organization?13. Is there an evaluation infrastructure in place for tracking program impact and outcomes?Program DeliveryEvaluating your program’s delivery is typically called a process type of evaluation. A process evaluation typically examines how well your program is being implemented, if implementation is going according to plan and how the operation and delivery systems are working out. Program delivery evaluations also examine if feedback is routinely being provided that will allow for any necessary or needed changes to occur.Questions to ask relevant to process evaluation include:1. Are the programs reaching and engaging your desired target audience?2. How many participate?3. Are participants completing the interventions?4. Are participants advancing in their readiness to change behaviors?5. Are participants becoming more engaged in improving their health?6. How satisfied are participants with the program?7. Are the programming and interventions relevant to their needs?8. Is the program being delivered in a similar way across all locations or workplaces?9. Are communications and branding strategies getting the attention of the target audience?10. Do the programming and interventions yield sustained participation over time?OutcomesEssentially, measuring outcomes is determining if your program is achieving its desired purpose, goals and objectives within a given timeframe. Typically, evaluation of outcomes is the primary concern of the employer and program staff or vendors. Are their expectations being met?

The expected outcomes may differ from organization to organization, but typically fall into one or more of three categories: improvements in the health, safety and well-being of program participants, cost savings (generally viewed as being health related cost savings), enhanced individual and business performance metrics and an overall healthier organization.Speaking of outcomes evaluations, it is important to note that conducting a rigorous and credible ROI analysis is time-consuming, expensive, and requires a high level of expertise in statistical analysis, health services research, econometrics, and benefit plan design. An ideal measure of ROI would be to measure costs and savings associated with each program component separately.Measuring the value a worksite wellness program delivers is a much better and more easily doable strategy for most employers. Monetary value is just one type of value measure. This broader value view allows the worksite wellness program to be seen in light of the full value it can bring to the employer and the improvement of the target audience’s health and wellbeing.

Equestrian Style in Your Home

Your love for horses doesn’t need stop at the barn. Horse people enjoy having decorative horse elements in the home. Whether you are a lifelong equestrian, an admirer of horse sport, or someone who loves the equestrian look, having equestrian style in your home adds character and tradition. How you bring equestrian elements together can make the difference in telling a story or having your items overlooked.Equestrian style was popularized when Ralph Lauren hit the fashion world by storm. He made both nautical and equestrian styles livable for mainstream people. It became possible and affordable to have the sporting lifestyle look. And while many people took up stirrup pants and hacking jackets, decorating with equestrian style has been around for hundreds of years. Look no further than the English countryside. Whether you have acquired equestrian pieces from the barn, or you are just starting out, giving your home or space an equestrian estate feel is not difficult. As with any design, the key is to start with a plan that includes well-thought-out furniture placement and a good color scheme. Traditional furniture works best when designing an equestrian style space. Dark, substantial wood furniture with good quality upholstery or leather gives mind to the English countryside, where most equestrian trends originated. Steeped in custom and tradition, equestrian elements have changed little through the centuries. Garner ideas from books and magazines, or search the internet for ideas.

Once furniture placement has been established, anchor the space with a good rug. Vintage rugs protected fine wood floors from muddy hunting boots, numerous hounds, and country parties. These rugs were handmade and vegetable dyed. Today’s production rugs lack some of the character of the older rugs, but can still lend the style and are always a smart choice to bring a space together.Equestrians love art, and art that includes the horse is always a favorite. Some equestrian artists have stood out through the years, with George Stubbs being immensely popular during England’s sporting days. His works are traditional, beautiful, and have color schemes that are easy with which to work. Reproductions of his paintings are available on the internet.No equestrian space would be complete without horse tack, the equipment leather goods used in riding and training horses. Whether you choose stainless steel stirrups or bits, old horseshoes, or leather strap goods, these pieces strategically placed are key elements to bring your space to life. A favorite of ours is a silver mint julep cup used to hold pens or flowers. Stirrups make good bookends. Harness brasses can be framed or mounted cleverly over light plates. Snaffle bits can serve as window panel tie backs. Equestrian books are another design element that is readily available and brings authenticity to your space. These books are available as novels, training books, or picture books.

To add softness and comfort to your space, yet still maintain style, consider adding needlepoint or horse themed equestrian pillows. Throw pillows come in many styles and colors. Look for traditional fabrics and authentic embellishments like fox hunt buttons, harness brasses, or other pieces of horse equipment.Bringing equestrian style to your home or space adds character. Horses have had a close relationship with man for most of human history. Only since the invention of the automobile have we been so distanced from him. Bring equestrian style to your home by using these design ideas, and bring horses into your decor.

Eight Tips For Launching Your Real Estate Investing Career

Eight Tips for Getting Started in Real Estate InvestingIntroductionThis article is just the basics for getting started in real estate investing. This is not a how to article but an article that gives you some information about things to do to get started. Everything in this article is tools that can be applied to helping anyone get started in real estate investing. I am going to give you my eight keys to getting started. Nothing is right or wrong but reflects the point of view of the author. Laws and legal practices vary from state to state, and laws can change over time. The author does not vouch for the legality of his opinions, nor is there any intent to supply legal advice. The author strongly encourages the reader to consult with professionals and an attorney prior to entering in any real estate transaction or contract. The author is not a writer but he is a real estate investor. There will be grammar mistakes and errors, so don’t be too critical of the grammar but focus your energy on what is being said. With that said prepare yourself to think a little differently and expand your mind. Let’s get started on an amazing adventure.The Eight Tips are as follows1. Desire
2. Goal Setting
3. Learning What To Do
4. Attending a Real Estate Investing Seminar
5. The Billings Montana Market
6. Finding a Mentor
7. Your Real Estate Team
8. Just Do IT1. DesireBefore we get in to the bolts and nails of real estate investing in I want to talk to you about desire. If you are going to be successful at anything in life including real estate investing you have to have the desire to do it. Desire is defined as longing or craving, as for something that brings satisfaction or enjoyment. Desire stresses the strength of feeling and often implies strong intention or aim. In real estate investing if you don’t have a desire to learn and grow as a human being and really get satisfaction out of it, then real estate investing is going to be hard to do. When I go out and look at a property it brings me a lot of enjoyment. Every aspect brings me joy from talking to home owners, figuring out how I can make a deal work, to buying the house and to finding a good homeowner or tenant for the house. Real estate investing may not be for everyone but real estate investing can offer anyone the financial freedom we all crave for. If you do not have the desire for real estate investing that is ok, it can still help you to live your dreams and help you to get where you want to go in the future.Why is real estate investing an amazing avenue for anyone to live out all of their dreams? Let me ask you a few questions. Do you have enough money to do anything you want? Do you have everything you want? No debt? A nice house? Great Marriage? The freedom to do anything regardless of how much it costs and the time it takes? If you have all of these things then you are one of the few people in America who does. Most people may be working fifty hours a week and making just enough to pay their bills. In today’s day and age most people are living pay check to pay check never really knowing if they will make enough to pay the bills that just keep piling up. If you cannot keep up with your monthly bills how are you going to plan for retirement or send your kids to college or have time to enjoy life. The answer to all of these questions is becoming financially free. Now it’s not going to be easy everyone will have to get off the couch and out of their comfort zone. Real estate is proven to be one of the fastest ways to get your out of the rat race of the nine to five and begin living the life you deserve to live. Everyone wants something different out of their life. Some dream of traveling the world, spending more time with family, volunteering, golfing, laying on a beach, giving back to the community, or anything that will make them happy. There are thousands of things that make people happy.Making it in real estate takes a person who has a strong desire to change their lives for the better and think big. Anyone can become a great real estate investor. It is going to take a lot of work and can be a struggle at times but in the end it will be the most amazing feeling ever. The people that make it in real estate investing all have a few things in common. First they run their real estate investing business like any other business out there. Second they get out there and network with anyone and everyone. Some people might be like me and have a hard time talking to other people. If you are that is ok, anyone can learn how to become a people person, it just takes hard daily work. You have to push yourself past your comfort zone. The third thing is that you cannot be afraid to fail. Everyone has failed at something but the most successful people out their learn from their failures. The fourth thing is that you have to put a good team together. I will go into putting a team together in a later chapter. The concept of putting a team together is so that when you don’t know something you have team members that know what to do and can help you with questions. The can also make sure that you are not working yourself to death. You do not want to be the person doing everything in your business. Doing everything is a receipt for failure. You have to put together good people who you can trust and rely on. The fifth thing is that you need a mentor. Sixth and final is the desire to do it. No one can become successful at something if they don’t want to do it and don’t get satisfaction out of what they are doing.2. Setting GoalsHaving goals is one of the most important aspects of achieving what you want in life. You don’t want to just have your goals up in your head you want to write them down and past what you have wrote on the wall somewhere or in the bathroom mirror. You want to review your goals daily and read them out loud to yourself. This way you remind yourself everyday why you are building your business.How should you start to write down you goals? First off you should think big, and by big I mean HUGE. If your goals are too small you will easily achieve them and have nothing else to look forward too. You should start off by asking yourself the question if I had all the money and time in the world what would I do, what would I buy, how would I spend my time, and how would I spend my energy. Are you starting to write these down? Well you should be. Think about what you want, spending time with family, traveling the world, the best cars, a castle, owning a small country, running for president, having the biggest real estate investing business in your area or in the country. Whatever your dreams and what you want out of your life, write it down. Some of my goals are becoming free, traveling the world, having a Ferrari, having 10 vacation homes all over the world. Right now I am just trying to get you out of your comfort zone of thinking and let your imagination run.

There are several ways to set goals. I have learned a lot of ways you can set you goals and there is no right or wrong way. The best ways that I have found to set your goals is to break them up into two categories. First your short term goals. This should be goals from a month out to around a year. The second is your long term goals these goals are you think big goals and what you see for your future.For year one I like to first make a list of what I want to achieve this year and I will give you an example of how to do that. For year one you want to be very specific first you want to list what you want your income to be at the end of the year, next how much cash in the bank you want (this is money in your checking account, not assets). Next you want to list how much you are going to give. Giving is a very important, this can be giving to charity, giving of gifts to friends and family, giving to your school or anything you can dream of. As long as what you give brings joy to others who need it more than you. Next list what bad habits you have that you want to eliminate. Weather is be quitting smoking, spending too much on junk, drinking too much, working too much, not spending enough time with family, too much TV, not exercising and many more. We all have bad habits that need to be changed in order for use to grow as human beings. Under each of these bad habits list out some steps that you can take in order to quit them. If you bad habit is being lazy and not exercising enough what can you do to change that. Well you can get a gym membership or a home work out program. Commit yourself you following through with a plan to work out 3-5 days a week. For you to change these bad habits you have to be totally committed and follow through with a detailed plan you set for yourself. After you have your plans in place you should start listing several things you want to achieve or do in the next year. This can be start a successful business, spend time with family, travel to 2-5 places and so on. Now under each of these you should also write a detailed plan on what you need and what you need to do in order to achieve these goals. Finally you should take all of this information you have a write on page on what you see your life being over the next year. Doing this is a great exercise to really see what you want out of life.Goals Year OneThis is what I am going To Do This Year
Income: $500,000
Cash: $100,000
Give: $20,000Bad Habits that will be changes:Over Sleeping 1. Go to bed at 11 p.m. 2. Use a timer and set it for 8 hours 3. Set the timer on the other side of the roomBuying things that you don’t need: 1. Going out shopping less 2. If you have the urge to buy something think to yourself is thing item going to help me to achieve my goals of becoming financially free? 3. Tell friends what you are doing, so they can help to stop you.What I want to Achieve:Start a successful Real Estate Investing Business: (you should write a detailed step by step plan of everything you need in order to achieve your goal)Travel: Where do I want to visit? 1. Gators football game (what I need to do it, money, etc)And last your own page about what you want to achieve using words like I will and only positive words.For long term goals you don’t need to be as specific right now, but you should list them and under them list a few steps or smaller goals that need to be achieved before you are able to achieve them. With the long term goals always think big. Another good exercise for long term goals is to make a collage of you goals. Put pictures of the house you want on it, places you want to travel, a picture of your family, a number of what income you want in or anything you can think of.3. LearnKnowledge builds confidence and destroys fear. If you are starting any kind of business you need to learn the ins and outs of that business. The best way I have found to learn about real estate investing is to read all about it. But once you know it you have to apply what you have learned. Learning and reading is just one step to take. There are thousands of books on the market about real estate investing and everyone has something you can learn from. You don’t just want to read real estate investing books though. You also want to fill yourself with motivational and leadership books. Every successful person that I know if a reader and they all spend at least thirty minutes a day reading something that will teach them about improving their business or helping themselves to become a better person. Some of the best books that I would recommend reading are listed below.1. Rich Dad Poor Dad by Robert Kiyosaki (read this first and also ready everything in the rick dad poor dad series, great books to start with and will expand you mind)
2. Be a Real Estate Millionaire by Dean Graziosi
3. Flip your way to financial freedom by Preston Ely (this is an E-Book)
4. Four hour work week by Timothy Ferriss
5. The Attractor Factor
6. Short Sale Pre-foreclosure Investing by Dwan Bent-twyford and Sharon Sestrepo
7. Keys to success, by Napoleon Hill
8. Think and Grow Rich by Napoleon Hill
9. How to win friends and influence people
10. Any Book by John C. Maxwell (he has tons of amazing leadership books)
11. Getting Started in Real Estate Day Trading by Larry Goins
12. The E Myth by Michael Gerber
13. How to be a quick turn real estate millionaire by Ron Legrand
14. The Power of Full Engagement
15. The It Factor
16. Anything by Anthony RobinsThere are tons more you can read but these will give you a great start. You should also read books on negotiating, sales, motivation, and biographies on American business people.I hope this list gives you the knowledge it has given me. If you learn and apply what you have learned from these books there is no reason that you should not become very successful.4. Attend a Real Estate Investing SeminarAttending a Real Estate Investing Seminar can be one of the best places to learn about real estate investing from some very well known experts. There are several seminars going on all over the country every weekend. If you live in a big city it will be very easy to find one. If you live in a town like Billings Montana you might need to travel a little ways to find one. Now most of the best meeting cost money to attend them. Some range from five hundred dollars for three days and some can be up to $20,000. There are a few that I would recommend. Than Merrill is a great speaker to go hear. I have learned a ton from him. You can find his company online by Google searching him. Also rich dad poor dad has seminars all over the country. I attended one of their seminars in Billings Montana for only $500 dollars and learned a ton from it. There is also Preston Ely, Larry Goins, and hundreds of speakers out there. If you find a great book that you really enjoyed, then just simple search for that person online and see if they are speaking somewhere or offer a seminar close to you.Another reason I recommend going to a seminar is because they get you pumped up and motivated. I have not yet found anything else that just gets you feeling like you can do anything. When you get back from one of these seminars you will have tons of energy and knowledge. Every time I get back from one all I want to do is going out and do a deal or ten.These seminars will also provide you with several opportunities to purchase amazing real estate investing tools, software or learning material at a fraction of the cost. Believe me when I tell you all of the low priced seminars try to sell you something. But a lot of times what they are trying to sell is some really good stuff.Another reason to attend a seminar is to network with other investors and build relationships with them. You can meet other investors who you can partner with on a deal, sell a deal too, people who will provide you with deals and so on. You should have hundreds of business cards made up and try to give them all out. You never know how much one business card you hand out can make you.5. Learn About the real estate market in your areaMost real estate investors start their career off my investing around where they live. This is why I do my real estate investing in Billings Montana. You can venture out when you have more experience. The reason behind this is because we feel more comfortable with the areas and know the areas better. It is also easier to get local real estate information that we need. Investing in your local market is also cheaper to start out, there is less travel costs, you can see what you are buying and it may give you a feeling a comfort.First you have to decide which part of town is the best place to invest in. This can be determined by what kind of real estate investing you choose to do. I have not gone over the types of real estate investing but some include rehabbing (fixing up and selling), wholesaling (finding deals and selling them to other investors), buying to rent, and there are a few others. These are the real estate strategies that I use for the most part. When looking at the market you need to see where other investors are buying their houses. Most of the best deals will be found in low to middle class neighbors hoods. By low I don’t mean drug infested war zones, what I mean is blue collar safe neighbor hoods that might have somewhat older houses and houses that are not on the higher end price side. Now you can find deals in the higher priced neighbor hoods but most will be in the low to middle income neighborhoods. When looking where others are buying ask local realtors, other investors or appraisers.When talking with investors ask them several questions such as what neighborhoods they prefer, what type of houses they buy (3 bed 2 bath), and what they do (rehab, rent, wholesale). You should not look at other investors as competition but try and work with them.There are different types of markets such as appreciating markets, flat markets, and deprecating markets. Appreciating markets are markets that there is no enough houses or a very high demand for houses which causes the price of houses to go up. The reason there is a high demand for housing can be because of job growth, a very appealing area, or several reason. Flat markets are markets that have no or very little growth. This means that there is not a lot of demand; buy just enough to fill every ones needs. Depreciating markets are where there is a lot more houses than people to fill those house. This causes house prices to start going down. This can be because of a large employer leaving the area, a natural disaster or just over building. There is an old saying buy in a bust and sell in a boom. In depreciating markets you can pick up several deals, while in appreciating the house prices are going to be much higher and harder to find great deals. The deal will still be out there you just have to know where to find them.Learning your market is another key to becoming successful. Real estate Brokers and experts in your area can be the best source of information for you. Learn to use them to find out what kind of market you are in. If you are in Billings Montana we are in a pretty stable market. Billings Montana has not seen the ups and downs that other markets have experienced. I will have to say that I have been noticing a little bit of a downward trend but not much. Once the first time home buyer credit is over with we might see a little more decline. Every market can vary by neighborhood, so make sure you know you market well. I have seen the same houses just one mile apart selling for totally different prices.

6. Find a MentorHaving a mentor to help you can be your biggest learning experience. Mentors can help you with any questions you may have, walk you step by step through the investing process, give you moral support, you learn from their proven system, and also network you with others in the business. Every successful real estate investor that I know says they owe a lot of their success to the mentors they have and had in their lives. I have had one of the best mentors around, my father. He is teaching me something new every day and pushing me to become successful.When trying to find a mentor I would suggest network with the investors at your local real estate investors club meeting. There is a real estate investing club in Billings Montana that meets once a month. You can find information about real estate investing clubs in your area by searching for REA or real estate investors club then your area in Google. When you go to the meetings ask around who the biggest investors are. Then ask if you could get together with them sometime and discuss real estate investing. Ask them if they would consider working with you to get their career going. Offer your services as a bird dog. Bird dogs are people who go out find deals or leads about deals and give them to other investors. A bird dog gets from $500 to $3000 dollars depending on the deal. Make sure that you have a bird dog contract signed with the investors saying that if you find them and deal and they buy it that you get paid a certain amount of money. Being a bird dog helps you to build credibility with the investor and they are more likely to mentor you if you have something to offer them. If you would like to contact me with a question go to my web site Big Sky Property Solutions LLC.7. Your Real Estate TeamBuilding an effective team can make your life as a real estate investor a lot easier. You are only one person and cannot do everything or be an expert in every aspect of real estate investing. Going at a project alone can become one of the most frustrating experiences you will ever encounter. Many people have become frustrated and quite real estate investing because they try and juggle too many things. Make sure that when putting a team together you provide everyone with win-win opportunities. When someone knows that working with you is going to make them money they will put you as a higher priority on their list. But you have to prove it to them that you are the real deal.
People to have on your real estate investing team includeo Real Estate Agents ( find the top agent for volume of sales in your area and other agents who work with real estate investors)
o Real Estate appraisers (find an appraiser that has done a few hundred jobs or more and make sure they carry errors and omissions insurance)
o Real estate contractors (good rehab crews that can get the job done in a timely manner, have 3-5 crews and on every deal get 3 estimates done. Ask for referrals from them and make sure they are licensed)
o Real estate attorneys (every investor needs an attorney, they can help to protect your assets, make sure you find one that works with investors)
o A property management company (can manage your properties and will give you leads on property they are managing that might come up for sale)
o Title companies (take care of the legal process and make sure there are no liens against the property you are buying, choose one that does hundreds of closings a year)
o Home inspectors(charge about $400 but will give you a great inspection and could save you thousands in the long run)
o And your MentorAll of these people can help you in various aspects of real estate investing. You might find that there are a couple others that are keys to your business but this is just a list of a few.8. Just Do itThere is no better phrase out there then JUST DO IT! Once you have learned all you can networked with investors in Billings and learned real estate investing strategies there is nothing left to do but get your feet wet. There is no better learning tool out there then doing a deal. Once you have completed that first deal you will know what to expect and find out that it is not as hard as you thought it would be. You will have learned what you did right and what was frustrating. Take that experience and ask yourself what would have made it run smoother. Apply that to your next deal. Then the next deal will be easier and it keeps getting easier as you go. I will say that every deal is different from the last but that what makes this business fun. You have to be creative and always keep on learning and growing with your business.The average person never uses what they learn. Don’t be average apply your knowledge. When going out and doing your first deal act like you have done 1000′s of deals. The fastest way to change a habit is to act like it is true.Five keys for success
1. Specialized Knowledge
2. Tools of a professional
3. Have the mindset of a winner
4. Mentors
5. Money and the knowledge of leveraging it (you don’t have to have millions to invest in real estate, there are many strategies out there to use other people’s money, or no money at all)This is going to conclude this article about getting started in real estate investing. I hope this gave you some ideas about how you can get started. I didn’t give you any strategies at this point but look for some in upcoming articles. These are simple steps you can use to get started. If you read this article thank you for listening.