Author: Jason Mckinney

Corporate Wellness Programs

Corporate wellness programs are offered by companies for two purposes mostly – to give the employees the help they needed to avoid illnesses and to generate that feeling of security, that the management indeed cares for them, in their minds. If this mix works well, naturally the employees should respond with improved productivity and efficient working hours, which in turn means more profits and growth for the company. But, how far the managements of today realize the exact nature of corporate wellness programs?

Corporate Wellness Programs

For some, such wellness programs just mean a state-of-the-art gym in the company premises, where the employees can sweat out whenever they want. And they assume that if people go there for regular workouts, it will take care of their wellness automatically.

But corporate wellness programs are much more than what is offered in the four walls of a gymnasium. It should include a mix of everything from yoga, Pilates, and fitness to body condition, recreation, and even sports and injury prevention. End of the day, the wellness program must be capable of taking care of the body and mind of the employees.

Studies conducted in the corporate world have revealed that only 1 out of 9 corporate wellness programs are seen to be successful. In other words, 88.89% of the corporate wellness programs are failing to produce results. The reasons for this are three pronged: One, companies don’t pay enough attention in building an effective home wellness program. Some invest simply, as mentioned above, for a gym and sit idle thereafter, and certain managements don’t even care to invest for the same. Even if they put together a corporate wellness program in place, that may not be sufficient or balanced. A wellness program must take care of all the health aspects and its various dimensions of the employees, and that is a solid work in itself. It just cannot be shaped together overnight.

Secondly, the corporate wellness program that a company installs must be appealing to its employees. It should be fun, entertaining, and matching their requirements and tastes for most parts, if not entirely. Hence it is important to gather employee feedback, which most of the managements does not do before planning the wellness program. When companies have a wrong/flawed program in place, naturally the employees will turn their back towards them, and the entire exercise turns it into a bad investment/waste of money.

Finally, the corporate wellness program must be educative and the employees must feel that they have learnt something by going there in addition to boosting their fitness levels. It should have a professional trainer to teach/direct the members, and the employees must have ready access to information relating to health, fitness, and wellness in general.

In short, if a corporate wellness program is not working as it should be, the primary blame must be put on the program design itself – hence the management – and not on the employees. It is the program that must cater to the employee’s requirements/needs and not the other way around. Hence, the envisaging must be done with proper planning, through professional assistance, and after taking the employees into confidence. Remember, a wellness program that worked for a company may not work for others.

Medicinal History of Acupuncture

Medicinal History of Acupuncture

A key component of traditional Chinese medicine, acupuncture dates back nearly 5,000 years to around 2700 B.C. The Yellow Emperor’s Classic of Internal Medicine, a treatise on traditional Chinese medicine believed to have been written in the 2nd or 3rd century BC, contains the first written reference to acupuncture. The yellow emperor of the title was actually a composite of numerous Chinese physicians whose medical knowledge was passed down and finally collected in book form.

Acupuncture began to attract widespread attention in the western world after President Richard Nixon’s visit to China in 1972. During that trip, New fork Times reporter James Reston underwent an emergency appendectomy and wrote an article on the acupuncture anesthesia that was used during the procedure. His article piqued the interest of American doctors, who began traveling to China to observe this procedure first hand. They discovered a medical practice that was used not only as a substitute for surgical anesthesia but also as a treatment for pain and numerous disorders.

Recent Acupuncture Advancements

Today, acupuncture is practiced in a variety of mainstream medical settings and is a widely accepted treatment for pain and certain addictions. According to the World Health Organization, there are about 10,000 acupuncture practitioners in the United States, of whom approximately 3,000 are medical doctors. Americans are estimated to spend $500 million and make 9 to 12 million office visits per year for acupuncture treatments.

In November 1997, a National Institutes of Health (NIH) consensus panel reported clear evidence that needle acupuncture is effective in treating post operative dental pain as well as nausea and vomiting due to surgery, chemotherapy, and pregnancy. The 12-member panel also listed a number of conditions for which acupuncture might be used as an adjunctive therapy or an acceptable alternative therapy. These included (but were not limited to) addiction, stroke rehabilitation, low back pain, menstrual cramps, headache, tennis elbow, fibromyalgia, carpal tunnel syndrome, and asthma.

To promote greater public access to acupuncture, the panel also urged insurance companies and governmental insurance programs, including Medicare and medical, to reimburse for appropriate acupuncture treatments.

In another sign of acupuncture’s growing acceptance the U.S Food and Drug Administrations FDA) recently removed acupuncture needles from its list of experimental medical device and now regulates them just as it does scapels, ringes, and other common medical instruments.

Acupuncture is based on the same principle that underlies traditional Chinese medicine: the existence of a vital life force – qi – that circulates in the body through channels known as meridians. The 12 major meridians are believed to be connected to specific organ systems.

(There is also a network of collateral and minor meridians.) The meridians, used in both diagnosis and treatment, act as a road map that allows the practitioner to locate specific acupuncture points (acupoints).

The Skinny Concerning Auto Loans

Is the intimidating prospect of sticking to regular payments a large obstruction in buying the auto you’ve always wished for? Have you ever spent hours looking at your perfect automobile, wishing you could step into the showroom, buy it and drive it out? It isn’t something most of us could ever do. Alternatives are out there though, after all. Because you could buy the motorcar of your dreams with a quality car lease.

When you get the new motorcar and lease, be sure to keep within your budget, however. If you fail to do so, you might end up unable to pay or afford the insurance policy, your gas and all that care the four-wheeler requires.

The Skinny Concerning Auto Loans

Even though you’re the person sorting out all the paperwork and signing your name, it’s probable that the car finance organization will own the automobile until you complete your payments. Nobody wants to have their car repossessed because they couldn’t afford it. It could be that you’ll need to modify your policy too, so ensure you check before confirming anything.

The motorcar insurance lease options available will differ depending on the company, so do look around. You must take care to properly weigh up your options as you’ll likely be challenged with lots of confusing deals and interest rates.

Often, bad credit car finance loans have a bigger interest rate and lower fees as well as shorter terms. In such cases, the lease could seem more costly initially, but these offers often work out to be the cheapest.

Auto Loans | Hidden Service Fees

Note that the opposite can be true too. Heavy servicing fees and charges can prove to be a major drawback when going for a low interest rate loan. To ensure you get a motorcar finance lease, be aware of what your credit score is before you go out searching for that new automobile. Once you have established this, getting a new car should be much simpler because you’ll know what your specific budget is, and, if you’ll be able to get the lease at all.

They might sound totally obvious, but these are really very vital tips since they can prove to make all the difference when it comes to buying a new four-wheeler. Be smart, and the next time you purchase a motorcar will be an absolutely stress-free process.

So you’re looking into an Online Payday Loan

So you’re looking into an Online Payday Loan

When we need to get day-to-day money extremely fast, there’s just two or three solutions available. Before the fall in the economic system, job loss, and consequently the drop in the housing market place, a good number of individuals would most likely get cash via family members. Presently, the large majority of families not surprisingly do not have money to offer.

This situation has caused people to ask neutral entities as soon as a crisis crops up or anything unforeseen shows up. instant loans are one of the swiftest and least difficult avenues to get your hands on cash. One can get hold of bona fide loan merchants on the web who will offer you cash advance loans at a great rate rendering the experience free of hassle. Regardless of how bad or good your current credit ranking is, and in addition they do not require your house or motor vehicle to have collateral, either.

Yes, you did read that correctly! Even with a less than great credit history and neither car nor real estate or any other security to draw back on you’ll yet qualify for a payday loan! You just need to show proof of a job plus your banking coordinates, as well as your filled in application. It is not important where you are living, the funds may possibly be in your own bank account as early as the next working day. You can start getting as many payday advances as you require to make it through this difficult time, and you never need to leave your home to get it done.

Extra Cash from Pawnshops

Pawnbrokers are often one additional good way to generate funds in a pinch. You simply need to collect your excess things and carry all of them to the downtown pawnshop where they usually are exchanged for hard cash. Instead, you could possibly move your upper end objects to where they will grab them as a swap for cash money. You will then have just about 30 days to repay the cash as well as the pawnbroker’s charges or forfeit your pawned possessions.

However, this particular solution isn’t always doable. Not everybody has a chance to access a pawnshop, and finding one that will essentially pay you evenhandedly is rare. One other difficulty is that for the most part individuals won’t be able to or aren’t prepared to do without their precious high value goods and marginal objects usually will not be worth the effort. Loads of people assert that signing up for provisional or transient employment is the best way to earn increased cash flow.

This is in many cases an excellent alternative because it means you can potentially grab some money without borrowing it, yet unfortunately this solution is actually not without flaws. Finding jobs and getting adequately compensated normally will take far longer than you possibly can afford to wait for assuming you can do the job. Also, it may also require a very long time to earn an adequate amount of revenue.

So, in cases where pro tempore work opportunities and pawnbrokers don’t do the trick, you’ll be advocated to turn to convenient payday advances instead.

Health Wellness Programs

Health Wellness Programs

Health is the matter of prime concern almost for every individual in the world today. Eating healthy, living healthy and acting healthy are the concepts everyone is intending to adopt. An overall awareness about the Health & Wellness has started growing during the recent years due to the growing rates of health disorders and diseases of various types. The health does not mean the good physique only; one has to be fit and strong from within his body too.

This means that the body should be free from all types of illness or disorders, and be fit enough to undergo all the required activities throughout the life. The proteins, carbohydrates, fats, vitamins, minerals and all such necessary factors should be in the appropriate levels in the body then only the health is called fit or wellness.

Wellness means the complete absence of illness, but it is partially true as wellness is much more than just lack of illness. Wellness is the state in which the mind and the body of an individual are perfectly balanced and functioning in their highest capabilities at any given point of time.

Early Health and Wellness Awareness

During our early infant-age all such balances were but natural, but as we grew, we became habituated of ignoring the signals of imbalance that our body or mind started sending to us since we are now used to lesser sleeps, absorbing more stress and work with even improper diets most of the time when we are tensed with workload.

Recapturing the wellness is very much possible, but now it demands serious efforts as well as attentiveness. The personal commitment to the healthy choices would bring many rewards too. People have started exploring and utilizing more and more natural approaches to their health as they believe in more responsibility for managing their own health care to the best possible extent.

Also there are the rising opportunities for the health care professionals who are especially trained in those fields of health and wellness assessment as well as counseling to help serving necessities of such unique healthcare consumers. There are agencies that offer certification programs in regards to the health and wellness for providing their students with the knowledge and skills that are required for meeting the needs of such a rising market.

Home Business and Working from Home

Home Business and Working from Home

Working from home isn’t new. People have owned shops and small companies that they run from home for as long as one can remember. What is new, however, is that more people that have an actual desk job in an office find themselves being able to do most of their work from home.

These so called “telecommuters” or “internet commuters” are already a sizable proportion of the working population, and their numbers are growing exponentially. Alongside this growth, more people are working freelance from home, or setting up small companies that exist only in cyberspace.

For these workers a mere contents insurance isn’t enough, as it often doesn’t fully cover damage done to hardware, such as computers, or it doesn’t replace them fast enough. It’s also very uncommon for a simple home contents insurance to cover damage to software or loss of electronic information, which is absolutely vital when it’s your work and your life.

So getting a home workers insurance is the ideal thing to do in these situations. You can ensure specific pieces of hardware and specify what kind of software you own and how valuable your information is. It’s a definitively important tool for work safety and for peace of mind.

Home Business Expenses

There are less than scrupulous people out there that may be out to get you. This sounds like a paranoid statement but when you own a business you never know who you are going to meet when you turn a corner. Especially nowadays, where business is dealt almost anonymously at times, and the personal aspect is taken out of business.

What happens is that often these people try to take money from you in the most cowardly way possible: by threatening to take you to court because of a service that was allegedly done poorly on your part.

My advice is, in these cases, you need to make an example out of these people. They don’t want to incur in the legal expenses more than you do, and often they’re just bluffing to see if you just throw in the towel and decide that it’s not worth it. If you are prepared for this and have a good professional indemnity insurance policy in place, the legal fees will be fully covered by the insurance. And once you don’t have to fear the legal expenses, you can freely take these characters to court and, again, make an example out of them.

Mesothelioma Information

Mesothelioma is a dangerous disease which is triggered by the constant inhalation of asbestos. Fine particles which compose asbestos can cause mesothelioma. Therefore according to new laws in many countries it will be prohibited.

Asbestos producers and importers of similar products must find ways to replace it, as using and trading with asbestos will be prohibited in many organizations. However, there will be exceptions, for a short time, in the case of white asbestos diaphragms, which are used in electrolyze installations. In some companies these diaphragms life span ends on the 1st of January 2008.

Main Cause for Mesothelioma

Asbestos is a natural, mineral product which can be found in three forms: white, brown and blue. Up to 1960, when the risks upon human health have been better estimated, asbestos has been used on large scale because it is a good thermal insulator. Asbestos foils have been used as cheap material for insulating roofs or walls and asbestos fibers for tiles and pipes consolidation. Even if opinions related to asbestos swallowing with potable water, the greatest danger is represented by its inhalation.

As mesothelioma information, you have to know that fine particles which compose this material can get to the lungs and can provoke lungs cancer or a rarer form of stern cancer, called mesothelioma. Lung cancer and mesothelioma caused by asbestos appear after a long period of exposure, even on the conditions of a low level of asbestos. Exposure to a high level, which means higher concentration leads to asbestosis. In this case lungs are blocked because a high number of fibers, the victim breathes with difficulty and physical effort becomes impossible.

In most of the countries there are mesothelioma law firms whose role is to help people affected by mesothelioma or their families with sums of money necessary to cure the disease or in the worst case to help the family of a person who died because of this disease.

To conclude, mesothelioma should become a disease belonging to the past because nowadays asbestos will be replaced in most of the countries with substances having similar properties but which are not harmful for health.

Mesothelioma is the consequence of previous exposure to asbestos.But hopefully the occurrence has to go down drastically as is going the use of asbestos.while taking proper precautionary measures ,many undesired conditions can be ruled out altogether. For example, the use of cheap contact lenses without getting the advice of a doctor is sure to result in eye infection.

Similarly, people following a weight loss program by feeding their bodies on the pre-prepared diet recipes that lack essential nutrients and have imbalanced proportions of potassium levels are at constant risk. Even the most sold brands of disability/injury equipment may cause trauma that can be prevented by buying only the authentic brands like invacare.

Choosing a Retirement Planner

Choosing a Retirement Planner

Are you in the process of planning for retirement and seeking resources that can be used? Choosing a retirement through attending or planning a retirement open house can help to meet with various brokers and determine the methods Using consulting services that can help to plan your retirement in Hawaii can be a great place for those that are unsure of where to begin.

It is important to choose a retirement financial planner that has your specific goals in mind for retirement. Being clear with the retirement advisor about the expectations for retirement, the age in which you would like to retire and the financial state. Starting the search with a general overview of the retirement plans and learning about the specific services that can be provided is a great way to help make the choice of the consultant that is going to help with the retirement plans.

Choosing a retirement planner that has maintained a good reputation throughout the community or within the group of financial planners can help the customer to make the right decision.

Reading Reviews of different Retirement Planners Online

Using reviews and recommendations from friends, as well as using reviews that have been written by previous clients, the customer can begin to determine which financial planner is going to provide the customer with the best results throughout the planning process.

It is important to choose a retirement planner that has experience. Choosing a retirement planner that has experience in the field can help the planner to deal with a wide range of situations, different plans for retirement, different levels of income and even different investment strategies for the retirement.

Doing your Research before Deciding on a Retirement Planner

Researching the retirement planner before the decision has been made can ensure that the right decisions are being made and can ensure that the person planning the retirement is going to be ready for the financial investment that comes with preparing for retirement. Starting the process of planning for retirement early is essential, as one common mistake that people say that they have made was waiting too late to establish the retirement savings.

Reasons to Check your Credit Score before Getting a Loan

Reasons to Check your Credit Score before Getting a Loan

What does University tuition, a new car, and a home all have in common? They all require a loan. The reality is that some of life’s biggest milestones require financing. Very few of us have the means to purchase a car or a home without some help. Practically every student will need help at some point during their education. When we don’t have the funds ourselves, we will need to borrow in the form of a loan.

Loans are a normal part of many people’s lives, and can range from a couple hundred dollars to several thousands. Individuals opening up their own business, installing an addition to their home, or buying a used car will all need a loan to be able to afford it. Some loans take years to pay off, and some, such as a mortgage, can take a lifetime.

Student loans often take a decade of a successful career to pay off, but without the loan to pay for the tuition, we wouldn’t be able to receive our higher education.

Personal loans, business loans, and student loans are very common and relied on by a variety of individuals. It is realistic to assume that you will have to take out at least one loan in your life.

Reasons to check credit reports

Your credit report may be the single most important piece of information regarding your financial future. This report offers a great deal of information regarding bankruptcies, default loans and mortgages.

Many different credit lenders look into credit ratings when making approval decisions regarding loans or lines of credit. Because of this reason, it is important to stay on top of your credit rating, Checking your credit report is important for a number of reasons. Not only does it allow you to see where you stand in the eyes of creditors and lenders, but credit reports can give you a sense of how far you have to go.

Sweeping the problem of bad credit under the rug is what gets so many people into financial trouble. Many people simple choose to ignore the fact that credit reports are incredibly important. Knowing where your credit report is can give you more leverage when looking to get a low interest rate, if your rating is high.

A low credit score can cause extra fees, high interest charges or even disqualification. Keeping on top of your credit takes as little as an hour, once a year. Checking your credit report yearly can help ensure that all information is correct and allows you to see all improvements that need to be made.

Investing for the Future

Investing for the Future

If you are a new Mom or Dad and want to insure your little one’s financial future consider investing in gold or silver. These metals hold value and are great investments for 2010. There are many sources available from which to choose the perfect metal investment for you and your new family member.

Some people invest in gold jewelry or coins while others tend to purchase silver. Silver is a bit cheaper to acquire but is still a very solid investment. You can purchase your baby a coin with his or her birth year as the year the coin was struck. Many people today are investing in gold or silver since they fear the value of the dollar is falling fast. Gold and silver tends to hold its value.

So if you have decided to invest in gold or silver do your homework. Don’t purchase something without doing a thorough investigation of the company you are investing from and ensure they are responsible and have a good consumer rating. Check with the Better Business Bureau in the state in which the company operates to ensure they are legal and dependable.

Don’t put it off – make that investment today in your child’s financial future. He will thank you for it.

Investing in the Future with Options

It seems like professional investors are always talking about something called stock options, and yet it seems like these options are never well explained. The following are some basics of what you need to know about the most basic stock options.

A stock option is an investment tool that allows you to place “bets” on the price movement of a particular stock. You buy options based on where you think the stock is going in a specific period of time either up or down. You are buying the rights to buy or sell the stock at a particular price in the future.

This means for example that if a stock is trading at $8 per share today, and you believe it could be going to $12 per share in the next year or so, then you might by $10 call options. These kind of options are the ones you buy if you believe the stock is headed up. They are cheaper then buying the stock itself, and your potential profits are very high if you are right. However, if you are wrong then you stand to lose all of your money invested in those options.

Stock options are very risky and should only be traded when you have a full knowledge of what they mean.