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Total Health Care For the Elderly With Effective Individual Health Coverage

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Elderly Health Care A Financial Challenge for Families

Total health care for the elderly poses an acute challenge for many families in the face of ever-rising individual healthcare costs. Typically such costs can set you back five and a half thousand dollars or more annually.

Elderly Care Services Are Expensive

Today, drugs to treat older people are becoming extremely expensive and not getting the right individual health coverage early with affordable health insurance plans can mean bearing an exceptionally and financially heavy promise that will more often than not turn out to be crippling for the 'man on the street '.

Older People Are Medically More Vulnerable

When it concerns some of the more pressing elderly health care issues, vascular dementia will most likely top any list that may also include conditions like Alzheimer's and Parkinson's diseases. Among so many different conditions, vascular dementia is one big concern. Although it does not get much media attention, it can severely affect any older person suffering from it and so, should be considered seriously and addressed appropriately.

Costs of Healthcare Only Go Up

What's more, every day senior health insurance costs are rising and are going through the roof. Not all of the costs are covered by individual health plans and even the cover from Medicare is low at best – particularly when treating serious, chronic health or medical conditions for older people.

However, all is not lost because by having a look at certain health care resources that are specifically catering to the needs of adults that pay for total health care for the elderly costs including hospitalization costs as well as visits to doctors, you can ease the heavy financial burden.

Elderly Health Insurance – It Pays to Start Early

Selecting the right, affordable elderly health insurance plans before reaching the age of sixty-five can prove to be extremely useful in covering costs of total health care for the elderly. By paying a certain elderly health insurance premium on an once a month basis you can cover some of the high costs of dedicated elderly care services.

Lastly, keep this in mind: Unlike individual healthcare for the average joe, money alone may not help when it comes to offering holistic elderly health care with the right individual health coverage.

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Source by Ray Young

Mind Maps For Business

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o A system to remember your presentation so you do not have to read your notes

o A technique that helps you take a project, see the big picture, focus on the key areas and understand all the inter-connections

o A means of making note taking from journals, books, e-articles, quicker, more logical, better organized

o A method for brainstorming that presents ideas logically structured

o An approach to time management, enabling you to focus on your priorities, make efficiencies
How would you like to spend just 10 minutes learning a new skill that will help you in all of the above areas?

In the last year, Mind Mapping has given me all of these rewards and truly revolutionized my approach to knowledge, learning and business. Read on for an introduction to using Mind Mapping in business.

So what an earth is a Mind Map?
Well this is a superb example of how valuable the art of Mind mapping actually is; words can not adequately express the essence of a Mind Map. The best way to explain is to look at one. Click on the example at the end of the article. And for those who like the words as well as the graphics, I would describe a Mind Map as a 'thinking tool'; 'a diagram which places a key idea in the center of a page and uses words, pictures and linking lines radiating outwards from the center to present connecting ideas, knowledge and information'.

So how would you use a Mind Map in business? How long is a piece of string? I used a Mind Map to draft this article. It's a very economic way of making notes. The focus is on key words and their connections, so I saved loads of time in just drafting the core concepts rather than using all these superfluous linking words which glue our sentences together (and turn them into a readable article!). You will also see from the example not only how it facilitates the organization of words and ideas into a logical format but also how it can enhance the structure by allowing you to view the big picture along with all the detail. And as the key words act as triggers it also facilitates brainstorming as your triggers spawn multi-dimensional concepts.

That's just a little taster of how valuable Mind Maps can be in business and I will come on to more uses shortly. But first a slight diversion to answer the question 'why do we need a thinking tool at all?'

We all know that we have a left and a right brain. Left brain deals with logic, analysis, numbers, words, reason, order, sequence. Right brain is in the business of creativity, thinking in pictures, patterns, colors, and uses intuition. Fast forward to caricatures. Think left brain-dominant scientist, 'brainy', numerate, weak on the inter-personal side. Think right brained arty farty creative genius, the musician, poet, artist, never could get their Maths O'level.
Now I would never for one minute suggest that we are more likely to fall into either stereotype! But the chances are that we have over-developed the left hand side because we needed to, pass exams and do business in our traditional western ways. But while we may well have a preference for over-using a particular side of the brain its more than likely due to conditioning and education than nature. The good news is that we have infinite scope to continue to develop the lazier side of the brain. And by doing this the sum of the whole can really be greater than the individual parts. By using the right and left brain together we can unlock talents we never knew we had, solve problems creatively and generally go about our business in a more efficient and effective way than we ever thought possible.

Mind Maps give us a very simple technique to make the most of our brain's full capabilities. By engaging the right brain we enhance the logical thinking of the left by bringing in a creative perspective. Mind Maps help us do this by using very graphical means to express our ideas – pictures, shapes, colors, patterns, all very visual stimuli.

And as a thinking tool, a Mind Map also mirrors the way the mind works, storing and retrieving information. So of course it's going to be an efficient way of organizing our thoughts using the contours that are already hard-wired in there.

And there's more. You may have heard of VAK preferences. VAK referes to visual, auditory and kinesthetic. We all have a preference in our thinking and learning towards one of these styles. Visual people like to learn from seeing things and find it useful to use pictures and graphs. Audition learners are at their best when listening – talks and lectures, 'teach yourself' CDs. And the kinesthetic like to actually do the practical stuff, have a go, 'get their hands dirty'. Many western educated individuals are either visual or auditory, with a slight majority preference for visual, but there are still a significant number of kinaesthetic thinkers and learners too.

So why does this matter? Well if we can identify our preferred style we can exploit it and look for ways to use it that can improve our learning, problem solving and memory skills. If you are actually preferred, like me, then Mind Maps are an absolute gift. I find my thinking is massively improved when I can get stuff down on paper, see it (rather than hear it); the patterns, colors, shapes in Mind Maps all enhance this. But what if you are not a visually preferred person? Well, as I said before Mind Maps will help everyone make the most of using their right and left brain together. But actually an auditory or kinesthetic style is only a preference and like harnessing the multi skills of left and right brain together, we can improve all our techniques by developing other styles rather than just relying on our preferred ones.

Here's an example. When I first took a learning preferences test two years ago my results were strongly visual. This did not surprise me as I have always had a problem paying attention on courses and lectures, when you just have to knuckle down and listen. The only way I can concentrate and remember anything said is to write it down, draw pictures, doodle, put things in boxes. Up until this point I had always relied heavily on my visual skills and as a result my auditory skills were puny, under-developed things. (This will ring a bell with any of my former collections who will remember me multi tasking away on conference calls – at the expense of full-on listening I'm afraid!). Armed with my personal development education I actively set about building those auditory muscles. It was going to be very important to me to be able to offer telephone coaching as well as face to face, so I really had to mature my auditory skills. And I did it! I used a number of techniques (which are beyond the scope of this article) but I really enhanced my auditory muscles. My recent tests show I am evenly split between visual and auditory. This is a fantastic result for me; it has given me a much wider toolbox of skills to call on in my work and life generally. So, the lesson here is, even if you are a kinesthetic or auditory person then Mind Mapping will help you in building your visual muscle and give you a much more rounded skill set.

So there's the theory. Mind Mapping is a 'thinking tool' which will help you do better all sort of things from strategic planning to problem solving to note taking.
Now on to the practice. How can we use Mind Maps in business? Here are just a few examples, with some clarification as to how they can be helpful.

Technical note taking – Focus on core concepts.

Business Planning – Structure, organization.

Recall and memorizing – Hooks and cues.

Exam revision – Key facts and memorizing.

Presentations – Logical structure, memorizing.

Brainstorming, idea generation – seeing associations, logical ordering.
Agendas – Brainstorming, structure.

Report writing – Planning, organizing.

Time management, 'to do' lists – Prioritising, efficiencies.

Concentration – Mirrors mechanics of mind, fun. Systems / processing documenting – Structure, organization. Goal setting- Big picture focus.

Group projects – Integration, flexible to add to. Decision making and problem solving – Analysis, interconnections, interpretations.

And one last thing ….. If for no other reason give it a try because ……….. its fun!

Links

Mind friendly learning is already in schools. Our kids know about it! Do not you just wish we had it back then? This site will tell you more about it and how it is used in schools and has some great Mind Map examples too [http://www.salt.chehire.gov.uk/mfl/index.htm]

The Mind Tools site is one of my favorites for resources and ideas. Check out their section on Mind Mapping at http://www.mindtools.com/pages/article/newISS_01.htm

Mind Genius software is my recommended choice if you want to go for the professional look. http://www.mindgenius.com/website/presenter.aspx?type=doc&uri=/home.htm#topofpage

For a brilliant quick introduction to Mind Mapping, 'Mind Maps in a Week' is published by Chartered Management Institute, available via Amazon http://www.amazon.co.uk/exec/obidos/ASIN/0340849525/wwwtheaccount-21

For more depth you have to read Tony Buzan, the guru of mind mapping. Buy his books also on Amazon http://www.amazon.co.uk/exec/obidos/ASIN/0007212917/wwwtheaccount-21

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Source by Carol McLachlan

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Why Some Investors Get Into FX Options Trading

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An investor, as you, is a well-educated risk taker. An investor always loves the adventures in business, especially in a fast-paced market as with foreign exchange (FX) market. The ups and downs of price movement are really engaging for investors. In their eyes, FX is similar to roller coaster, very amusing. Lucky for them, FX as the largest financial market provides several instruments to trade; one of it is FX options trading.

FX options trading is the most liquid option market compared to other options in financial market. It is not a wonder since the mother of options trading is foreign exchange market, the largest and most liquid financial market. FX option itself is mostly traded over-the-counter but some of the exchanges also trade options, they are Chicago Mercantile Exchange, International Security Exchange and Philadelphia Stock Exchange.

Some investors, both individual and institutional, get into FX options trading because they know the benefit and the risk involved in options trading. They have equipped themselves with an arsenal of options trading strategies. They keep on doing it for years for their own purpose. But what exactly are the purposes? Why do they trade FX options? Possibly you can find out some reasons but mainly there are two options of options usage:

  1. FX options can be used for hedging purpose. Some investors utilize options to hedge their trading position in FX cash (spot) market. They use it together with stop-loss level in cash market. Therefore, if the stop-loss level is historically being hit, then as the result their options trading will generate unlimited profit. Some extreme traders even replace the stop-loss level with options.
  2. FX optionsis another good place to speculate and generate profit. It should be the most common motivation for every investors and traders. We know that we can reduce the risk while trading in the options market. With good strategies we can create zero premium cost or at least it is the only loss potential we have. Sounds interesting? Some traders also optimize options during important economic data and market news. You can be as good as them if you want.

However bear in mind that we have to be careful as FX options trading is not for rookies. Asking the experts on every aspect of FX options will be a precious thing to do without you wanting to get hurt in the market. Know it and love it if you want. Be ready for the good and the bad as FX options trading has it all.

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Source by Silvia Harman

Take Employer Health Plan Or Private Health Insurance – The Reality

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Today is quite different when it comes to getting access to health insurance. In fact it is so different you need to make a decision to either take your health insurance at work or go to the open market and purchase your own plan. Some employers are not even offering health insurance due to the rising cost. This is especially true with smaller businesses due to the size of the group and how much the plan is used. Bigger groups do not get a discount due to the size; they just have a larger premium base to work with. This means they have more employees to share the cost with and the larger group can balance health vs. unhealthy better than smaller groups.

We are either switching jobs to one that will have different employee options, in terms of coverage and costs, or your current employer is making changes to make it more affordable for the business. It may be an option to look outside of the employer plan and purchase a plan on your own. More often than not, the employee will pay a good portion for the employee but not much for your spouse and dependents. This could drastically reduce your costs each month. This could be as much as 50% of what you are paying your employer. Initially, it may not make sense to break the family apart on your health insurance, but it is the new reality to save money.

The other reason you may look outside of your company is you believe you can get better coverage than what is offered at work. This may be true, but do not jump the gun. The private market is not full of roses either. There are limits in policies that you may not have seen with your company plan. They also lack coverage that might have been covered such as chiropractic care and anxiety or depression treatment including counseling. Depending on the carrier you either will not have this kind of coverage or it is very limited and you will end up paying for it. The other thing to consider is pre-existing conditions. A pre-existing condition is any treatment received within the last 12-24 months (or longer on some health conditions). So even if its 'preventative' medication or treatment it can be classified as a pre-existing condition. Most commonly rated conditions are usually covered at some point. Each carrier will have a different 'personality' for each pre-existing condition. This is why it is important to work with an independent health insurance expert. How do you know they are independent? Ask them for their business card or website. If it shows a particular carrier logo, they have a vested interest in one company.

Buying private insurance has become even more attractive in recent years because you are the one in control. It does not matter if you are self-employed, unemployed or an employee; you can continue your coverage as long as you are paying for your promotions. Generally, if you look at the full premium with an employer, not the portion you are covering, you can get similar coverage privately for 30% -60% less! This is nothing new. We are just stuck in old times thinking someone else should be paying for it.

Fact check: About fifty percent of bankruptcies are due to medical bankruptcy. Most of those filed had health insurance at the time of the on-set of the illness. There are many reasons for this: you are replaced at work due to the length of time off, you can not afford COBRA, you lose sources of income. If you purchased your own policy you could get it for up to 60% less than what COBRA could have in a similar situation. That alone can make things more affordable. If you work with an expert they will recommend a Critical Illness Insurance policy on every adult. Critical Illness insurance pays one lump sum upon diagnosis of a critical illness – with no waiting period! How much would a check for $ 25,000 help you when you need it the most, due your health?

It is clear that buying private insurance is becoming more and more common. There are a lot of pluses to buying on your own versus going with a company plan. Make sure you use diligence when you are shopping. Put your efforts in find a health insurance expert. They will already have done the homework on all the plans in the market place. It is up to you to ask enough questions to help make an educated decision.

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Source by Butch Zemar

Role of Advertising Agencies for Your Business Branding

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India's economy has been growing remarkably since the early 1990's. With more than 1.2 billion people, India's population is diverse including different cultures, languages, traditions, habits, and social cultural behavior. A growing middle class with disposable income are generating very high demand. India's market has expanded exponentially with local produce competitiveness against foreign brands. From a market that used to be monopolistic; the market in India has been transformed with a variety of choices such that companies have to consider the importance of branding.

Until recently, manufacturers in India related film stars and sport celebrities with advertising promotions; with the increase of competition from foreign brands, Indian manufacturers are beginning to understand the notion of brand promotion as a factor determining the loyalty that consumers acquires from the perception relayed through quality of product, motivation, and confidence by the manufacturer. More and more, businesses are becoming brand savvy. International brands have an impact on homegrown products in a manner that when exposed to competition, homegrown brands have a tendency of being price sensitive and lose value. Indian manufacturers are using branding to fight back the competition.

The majority of international products that perform well in India's market are knowledge driven, hedonistic or luxury goods. Being a successful business in India means being able to understand the sociological, psychological, and historical context of the population which is the reason why many international goods still can not penetrate the market. Successful businesses such as Jet airways, Titan, or Reliance have used brand equity to mark their presence instead of considering branding as a method of advertising.

The cultural diversity in India and the vast population means that brand consulting represents being able to cater for the vast geographical differences both rural and urban. Value and price are the main factors driving consumer demand in rural areas while there is a higher tender for prestige in urban areas. Neverheless, there seems to be a gradual convergence of mental coherentness between rural and urban areas. More people from rural area are having access to television and traveling to urban cities frequently. Consumers are increasingly becoming a lot more aware of quality and able to satisfy demand. International and local companies have no alternatives but to adapt branding according to the growing population expectation.

India's market is also becoming very influential globally. By 2020, the GDP of India will be expected to be over US $ 5 trillion and the economic one of the fastest growing in the world. India is infiltrating the worlds market mostly in IT and knowledge based industry. Indian products are also increasingly being exported global such that the need for increasing quality is evident by local companies to cater for the large global competition. Companies in India are there acquiring a better understanding of branding and responding to the changing consumer requirements by adopting brand equity which enables them to cater for the population both rural and urban as well as integrate separately the international market.

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Source by Ajeesh Njarakkadan

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Risky Business

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Investors instinctively understand the importance of performing legal and financial M & A due diligence. Things tend to come off the rails though when it comes to performing an operations due diligence. Most investors simply do not understand the role of operations due diligence and the result is that most M & A failures can be traced back to an ineffective operations assessment. Legal and financial due diligence are performed to determine the legal and financial status of a business at a point in time, typically the day a deal is closed. Operations due diligence on the other hand is determined the ability of the business to sustain its operations over time. It asks: Are there potential operations risks that could cause a future failure of the business? Investors rely on their attorneys and CPA's to perform their legal and financial due diligence, but often attempt to perform the operations due diligence themselves instead of involving someone with risk assessment expertise. Worse, they perform a partial risk assessment by looking at management or sales or strategy, etc. but fail to assess the entire enterprise.

The recent bankruptcy of the Solyndra solar company has now become the poster child for un- sustainable businesses. Without delving into the politics of the bankruptcy or all of the possible reasons for the failure, it is fair to say that the investors in Solyndra, including the US Government, failed to effectively assess the operations risks that could impact Solyndra's ability to sustain its operations .

The following are just two examples of the operations risks Solyndra faced. First; former employees have stated publicly that they were throwing out as much as $ 100,000 worth of defective solar cells each day. If this is true than an effective operations due diligence should have identified the high cost of quality as a potential risk to the sustainability of the business. Identifying that risk would have allowed investors to insure that a contingency plan be put in place to reduce or avoid these costs. Second; as part of their marketing plan Solyndra was pursuing a proprietary product design. As the price per watt for standard solar panels began to drop, particularly those manufactured by their Chinese competition, Solyndra was not able to make corresponding reductions in the price per watt of their proprietary products that would allow them to remain competitive. The sustainability of Solyndra's products to compete has been attributed to commoditization of the standard panels and to unfair competitive practices by the Chinese. The reasons for the bankruptcy are not important to this discussion though. An effective operations due diligence would have identified the operations risks and their potential impact on the sustainability of the business.

We can assume that the Solyndra investigators had a sufficient number of attorneys and accountants. Either the quality risk nor the competitive risk in these examples would have been apparent in a legal or financial due diligence though and an effective operations due diligence was never performed.

Unfortunately, just as many investors misunderstand the role of operations due diligence, many businesses do not yet understand the importance of implementing a formal risk management program and resist providing the funds for risk management activities. Solyndra should have identified their own operations risks and developed mitigation plans to avoid them. Businesses that manage their risk improve their sustainability. If it is important for investors perform a risk assessment as part of their due diligence, is not it also important that a business perform proactive risk assessments on a continuing basis?

With the release of ISO 31000: 2009 (Risk Management Principles and Guidelines on Implementation) some businesses are starting to implement risk management programs in earnest. Unfortunately, even in these businesses, risk managers often have trouble justifying the funds to support their activities because senior executives have trouble justifying the cost of the program because it is difficult to measure the benefits of improved sustainability.

An effective risk assessment whether performed by an investor during the M & A process or as a proactive self assessment by a business must assess risk across all operations of the business. It is not sufficient to say we looked at the management team or the sales department, etc.

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Source by James F Grebey