Thursday, November 8, 2012

Convenience and Benefits of an Income Protection Plan

What is incapacity? In insurance terms there are different kinds of incapacity. Own occupation is the incapacity of a person to handle their own job and is not working on any other jobs. Suited occupation is the incapacity to do the job in which they were educated and trained. Any occupation is the incapability of the person to do any task. Lastly, there are those Activities of daily living wherein they cannot do any functions. Incapacity can be caused by illness or injury, rendering the person incapable of normal activities as well as earning a salary.
One of the emerging insurance products nowadays is the Income Protection Plan. This is a plan available in the UK and Ireland. The policyholders are given the monetary benefits when a claim was made of incapacity, leading to the loss of income. This particular insurance has a number of benefits. The benefit can last from the time of deferment until the person's recovery, retirement or even the end of contract. The payments are tax free and the payment schedules are mostly monthly but there are those that offer weekly payments. If the policy holder still pays for the premium, the insurer cannot refuse to renew the policy.
The short term plan is the most convenient option that one can use. It is more immediate, the payouts are much faster but since it is only available for a short period only, it can last at least 1 to 2 years only. In most policies, you cannot find inclusions for mental illness such as depression, anxiety or stress. The great news is that this policy can cover such conditions and consider it as incapacity. Of course, it requires proof that the person is actually suffering from such detrimental psychological illnesses.
The difficult task for a policy seeker is the actual search. It takes a lot of research before getting considerable candidates for your particular needs; you can use the internet nowadays to find companies that offer quality Income Protection. It is necessary to ensure that you look at the terms, conditions and exclusions of the policy. Comparing these can be tough but if you understand the limitations and strengths of the policies for your own needs, you will be more confident in getting the proper one for your needs.
In some companies, you can increase or decrease the amount of premium to pay in order to extend the effectiveness of the policy. Consult with an expert about what your particular needs. When it comes to incapacity, the policy holder is not just protecting you. He or she is also thinking about the family that might get affected due to the loss of income. There is always a light at the end of the tunnel having insurance makes sense nowadays more that it had ever been and that is why it would be beneficial if people understood its importance.

Thursday, November 1, 2012

Saving Money and Energy

Everyone wants to save money. However, these savings could not only help the budget, but also the environment. Loft insulation is an easy fix to a wasteful problem that is happening right above one's head. In addition, through insulation grants made possible by the HES and the SEAI, it is likely this work can be done for free.
There are numerous benefits of adequate loft insulation. Besides enjoying a comfortable and more energy efficient home, most heating bills are significantly lowered as it takes less time for the furnace to warm the house. In addition, less carbon dioxide is emitted from the heating system lowering greenhouse gases into the environment. If the environment is of concern, some insulation is made with recycled glass and can be reused again once removed from a building.
The good news is that, in Ireland, applications for insulation grants are accepted by the Sustainable Energy Authority of Ireland. Once contacted, the organization outlines the terms for a Home Energy Saving (HES) insulation grant.
Homeowners, whose homes were built before 2006, can qualify for the Home Energy Saving Scheme grants and have the process completed free or for half the price. The Home Energy Saving Scheme provides these grants for individuals interested in home efficiency improvements as well as reducing greenhouse gas emissions.
Managing the Home Energy Saving Scheme is the responsibility of the SEAI. Founded in 2002, Sustainable Energy Authority of Ireland is a leader in educating and assisting homeowners about energy conservation as well as developing new technologies and standards. Such standards include the SEAI required density levels for weatherizing grants.
Adhering to the Agencies Standards required density levels and the Ireland required density levels also qualifies homeowners for these insulation grants. Current regulations stipulate a minimum of 270mm mineral wool insulation, 100mm between each ceiling joist and 170mm loft insulation over the joists. In addition, a minimum depth of 270mm is recommended.
This savings is due to insulations dense network of fibres holding within it millions of tiny air spaces. Because of these fibres, insulation impedes the airflow coming in or out of it. In addition, this reduces the amount of time the furnace runs and less energy is consumed. As there are many types of insulation one should research to find a suitable choice. Standard choices to look for include Rock wool, Polyurethane board, Expanded or Extruded Polystyrene and Fiberglas insulation. Of these, Fiberglas is the most common choice due to its durable material and ease of installation.
The loft area covers a large surface and as hot air tends to migrate upwards, it is trapped there due to its low density. Adhering to the insulation density levels can reduce energy loss from 50%-100%. In addition, loft insulation requires little time to install and is not a messy procedure for a trained professional.
Everyone is responsible for the condition of this planet. By following the SEAI required density levels and applying for loft insulation grants, not only will the cash flow improve but the environment will as well.

Thursday, October 18, 2012

Consider Becoming an Electrical Contractor

Determining the best job option can be challenging, nerve wracking and perhaps even tricky. After all how can you tell what you want to work as - or even whether you will enjoy the job or not - after getting prepared for a particular occupation? How can you tell what you want to be for the remainder of your life? Well, let us back up a moment and assess your career conditions. First off you will need to assess what you're really good at. Do you want to work with your "hands" or would you like to operate in an office building setting?
If you're an outside person, enjoy working in a varied environment, and with a selection of skills, then you could carefully consider schooling as an domestic electrician.
Training as an Electrician
Of course this isn't a career you can get into without any type of training program and certification. You will need electrician education before attempting to get an occupation as a trainee electrical installer. But that is great news mainly because it inevitably signifies a far more satisfying career and more compensation for you. It helps to weed out less qualified people too.
It is also a well-remunerated job where work will always be obtainable.
Sophisticated Set of Electrical Contractor Tasks
The truth is, an electrical contractor's job is more complicated than simply entering a home and fixing light fixtures and the like. He or she will begin by analyzing the construction plans of the electrical wires on the road and in the house. Training as an electrician requires that you quickly learn how to look over different types of electrical plans and / or maps of electrical wiring. These explain to you precisely how the electricity flows in the area, exactly where electrical apparatus, outlets, and wiring can be put in a building.
The next step in an electrician's job is to place tubes as well as wires inside the walls through which cables are fed bringing in the electricity in the house and connecting the wiring to circuit breakers, transformers and a maze of other electrical equipment.
Electrical installers also learn to use special voltage measuring devices that tell them just how much electricity runs through an area. They have to know how to wire telephones, fire alarms as well as computer systems. They also work with a selection of various cables and machines.
On-The-Job Training
Because this is an intricate career with numerous facets, most would-be electrical installers take some type of electrical instruction and certification. But another of the rewards this job has over others is that students can begin to apprentice with electricians and work while they are learning.
Types of Jobs
The majority of electrical contractors work in the construction field for other contractors, but approximately 9 percent of them work for themselves.
Others work in factories and may have a selection of different tasks which cover anything from working with motors, generators, on robots or in the inspection and upkeep of plant equipment.
Future Outlook
The job outlook for electrical installers is good and jobs are expected to open on a yearly basis. Fully trained electrical contractors make roughly $25 an hour and perhaps much more depdending on where you live. While electrician apprentices in training do not make that much, they do get on the job training in a variety of different electrician processes and tasks.

Thursday, October 4, 2012

A Mentor's Horror Story

It started as a conversation over coffee about the differences between mentoring and coaching but it soon emerged that my colleague was pretty traumatized by her own mentoring experience.
My colleague, a skilled communicator and experienced professional, had volunteered to be a mentor in a program lasting six months. She'd quit in frustration after a few meetings with the mentoree. She was seeking to understand whether she'd misunderstood the mentoring concept, or in some way got the mentor role wrong.
As her story unfolded, it became clear that despite her best efforts, mentoring had not only failed, it had left both parties frustrated, hurt and angry. What went wrong? Why did it, literally, end in tears?
Both mentor and mentoree had volunteered and been matched in a formal mentoring program. A contract was signed and meetings followed. The mentor, attempted to facilitate the mentoring process by asking questions, listening and prompting reflection and self-direction. She restricted expression of her own opinions and expert input to those times when the mentoree explicitly requested answers. The mentor provided guidance through feedback and discouraged dependence by getting the mentoree to choose her own actions. The mentor encouraged her mentoree to complete assignments that were part of the program.
However, the mentoree seemed to expect the mentor to do tasks for her, give specific instructions, or to respond more as a paid consultant might in delivering services. She became more and more demanding, hostile and critical, even on a personal level, of the mentor.
The relationship deteriorated. Clearly, neither party was enjoying the process and outcomes were less than optimum. The mentor requested support from program organizers but obtained no response. Things went from bad to worse. The mentor quit.
Like most problems, there is not a single cause. In my view, the outcome was a result of a number of major flaws in the mentoring program. These include:
1. Inadequate participant selection
2. Insufficient preparation and follow-up of participants
3. Under-resourcing the program
Participant Selection
Mentors and mentoree's volunteer for this program. There are criteria for selection but these relate to goals and work experience, not readiness for mentoring. Not everyone is suitable to be a mentor and not every one is receptive to mentoring. Attitude and motivation are critical to the success of a mentoring relationship. The expectations of both participants need to be realistic and in alignment.
Participants in a mentoring program should be selected with as much care as if you were recruiting them to work for you. Therefore, an application form that draws out participant expectations of mentoring is important. Interviews designed to elicit their attitudes to the process of mentoring will increase the likelihood of positive outcomes.
Preparation and Follow-up
People need to be crystal clear about their roles and how to approach mentoring. Education and specific guidance from the outset, regular follow-up and ongoing support for participants is essential.
Program organizers need to check in with mentors and mentorees to ensure that the relationship is progressing satisfactorily. They should be available and able to assist when difficulties arise and if problems cannot be resolved, facilitate exit from the relationship. If a mentoring relationship is discontinued, the program coordinator should debrief participants to minimize negative after effects and elicit constructive insights for self-development.
Program Resourcing
Mentoring does not have to be expensive but the above example shows the cost of running a program on a shoestring so that immediate and adequate support for participants is not available. You can't properly select participants, train them and support them when appropriate resources are not available.
Done properly, mentoring is a very cost-effective strategy that offers a significant return on investment. Yet mentoring is often given a low budget. Underestimating what is required in terms of time, money, materials and human resources is common. An adequate budget can only be determined through a thorough and well-informed planning process. If funds are limited, choices can be made about how to get the best value from what is available.
Finally, our enthusiasm to celebrate success in mentoring should be matched with equal attention to lack of success. Typically, we want to focus on the good news stories and positive outcomes of mentoring. It's easy to assume participants themselves are to blame for breakdowns in relationships or lack of results and while sometimes this might be valid, you won't know unless you take an objective look at all facets of the program. Therefore, evaluation must look at what worked as well as what didn't and why that was the case. Failure can be as valuable as success if it is instructive. That's how mentoring works!

Thursday, September 27, 2012

Business Networking Can Empower Women

In the past business networking has consisted primarily of providing events in meeting places where women could connect with each other and hopefully discover ways to become more successful. Networking for women has really grown and that is good news. Now you can find support networks where you will learn key skills to help you start a business or expand an existing one.
Because women are seldom trained in what it takes to become an entrepreneur, there are always many different places they need to begin on this journey. Let's just take a look at a few of the things women grapple with when they first decide to become independently employed:
Lack of Self Esteem
Women often under value who they are and what they are capable of achieving. Most of the time this comes from self-judgments created from their early childhood environments, including being raised in a culture where women are devalued in terms of their ability to be prosperous. Many women still live with a co-dependent mentality that says, "I can't build a business on my own, but I could help my husband do it." We have to ask the question, "Why am I standing in the way of my own success," and begin the process of re-education.
Absence of Faith
Fear limits our abundance and keeps us stuck in scarcity. We end up in a vicious cycle of creating causes that produce the exact results we don't want. The way out is to adopt a consistent attitude of gratitude. Wake up happy for what you have, give thanks for everything that is right in your life, and put your attention on the positive and avoid the negative as if it were a life and death decision. You will begin to build a new belief system from which faith develops as your awareness is raised to a higher level of truth.
Poor Quality Communication
People react to you based on what they sense you feel about yourself as well as what you say. Pay attention to your inner judge and learn to love and accept yourself exactly as you are. In this way, you can become more open and honest in your communications. You also develop a sense of worthiness that attracts positive and supportive relationships.
Just attending the right business networking site can cause you to take action steps that demolish your self-doubt and help you move away from self-sabotage and procrastination. It is very inspiring to be around women who are doing the stuff you can only dream about in the beginning. You will become empowered by their presence, courage as well as learn what steps you need to take to get yourself where you want to go.
You can also learn proven exercises that others have used to overcome common obstacles all budding entrepreneurs face such as fear and a lack of focus. One of the best tactics you can employ when facing a personal block is to learn to breathe properly and ask yourself the right kinds of questions. There are great business networking places for women that will teach you exactly how to do that.

Thursday, September 13, 2012

Dealing With Autism On A Day To Day Basis

If it is ever going to be possible for an adult who is autistic to live a life where they are fully functioning on their own, then it would have been important for them to have received an autistic friendly education when they were growing up as a child. So, when dealing with autism, if the child who is autistic is given one-on-one lessons early on in life they'll be able to function in the real world and special care homes a lot better than an autistic child who did not receive the same treatment growing up.
When a person is diagnosed with autism you can expect them to have a very tough life ahead of them. It is a very difficult and challenging disease to have to live with. There is a lot of debate taking place about what exactly is the best care for people with autism since this particular disease covers such a wide spectrum. And everyone who is dealing with autism will handle the way they receive their diagnosis very differently from someone else who is it there current situation.
If you or someone you know is dealing with autism, please recognize that there are a lot of different levels of care that autistic patients could potentially need to receive. Some people suffering from autism will need lifelong care and constant attention while others will be able to thrive in the real world and lead great lives full of independence. There are a lot of groups out there in the United States of America that specialize in helping all of the adults who have been diagnosed with autism and who aren't living inside some form of a care home. The one thing that we have learned through our research is that adults who are dealing with autism often thrive in jobs where they can excel by using their God-given strengths and abilities.
One problem for adults with autism is that they suffer from a serious lack of short-term memory. But on the flip side, their long-term memory is incredible, which will allow them to not only survive but thrive in a job where they can use this type of information to their advantage. You should definitely put an autistic employee in a situation where he or she can use their long-term memory to excel in their job.
The best news possible when discussing dealing with autism in adults is that often it is fine for an autistic person to live outside of a specialized care home because they do not often need 24-hour a day care in most situations. But they usually do need some type of person to check in on them every day to assist them with certain minor things that they just can't seem to do on their own. So realize that a person with autism has no need to necessarily get full-time care and could easily live the bulk of their life on their own without the need for a whole lot of help.

Thursday, September 6, 2012

Importance of Industrial Waste Management

Manufacturing and creating products can definitely take quite a bit of materials and energy, and this often leads to industrial waste, which can be tough for a company to manage on its own. Today, many countries and even specific cities actually have laws that tax big companies that produce a huge amount of waste. Those that may cause harmful effects on the ecosystem and air are often taxed as well. The reason these taxes are implemented is to pay for environmental protection, restoration, and for teaching people about these important issues in our world today. Companies and individuals alike need to be education about the environment and the issues that are faced in the environment today.
It is definitely important that companies are responsible. They need to take care of their waste with proper waste management. This is even more important for companies that happen to have hazardous waste to deal with. The good news for companies is that local governments often provide important consulting and information on what can be done to make production processes friendlier to the environment. For companies that don't take this seriously, there should be consequences that are very serious. Harmful emissions should be reduced and industrial waste management should be taken care of correctly.
Most countries have their own laws for companies and their industrial waste management. Most industries are fully aware of the impact that their manufacturer has on the cost of their waste management and environmental pollution. The great thing is that this information is leading to industrial leaders choosing to be more accountable with the way their companies affect the environment today. It is important that individuals get involved though. Individuals should put their support behind companies that responsibly deal with waste and those that are environmentally conscious as well. The management of waste can be improved by using composting, recycling, reducing their hazardous waste, and by ensuring that they use energy in a more efficient way.
Some companies don't have a choice but to create waste that is hazardous. In this case, their industrial waste management should be taken care of in the proper way. They should be honest about the way they manage waste, how they dispose of waste, and what their facilities and vehicles contain.
Governments feel that industrial waste management is so important that they have actually come up with environmental protection acts. These acts are designed to reward and encourage big companies that work to effectively manage their waste. They also encourage companies to work with quality environmental agencies so they can work to further reduce their impact on our environment today. Those who produce industrial waste should be very cautious in the way that any hazardous materials are disposed and they also need to take responsibility and pay for the disposal of their waste as well.
It has been documented in the past that some companies have taken part in practices that were irresponsible and they have even mislabeled their goods, which has ended up leading to local watershed contamination. Companies need to be held accountable for the health of individuals and for the preservation of the environment. This is an important matter and it's easy to see why governments are working to make sure that reform measures are taken. As this occurs, more and more companies are realizing that they must be accountable and are beginning to take careful measures when dealing with their industrial waste management.