Term Papers or Research Paper

13 Jul 2008 In: education

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Like most business, health and human services organizations, social service agencies, and other non-profit organizations must purchase basic insurance packages in order to operate legally and effectively. Some of the insurance packages a human services agency or non-profit organization will purchase are common to all businesses: worker’s compensation, umbrella insurance, and business insurance. However, the non-profit nature of health and human services agencies, combined with the special coverage needs specific to these agencies’ staff and the populations they serve, will often require specialized insurance coverages and targeted choices in insurance brokers.

Directors and Officers Insurance Coverage

Most health and human services and non-profit organizations will require Directors and Officers Liability Insurance, or “D&O insurance.” The very nature of non-profit and social services jobs - services done for the public good, and often, specifically for at-risk, under-served, or challenging populations — makes lawsuits against directors distinct possibilities, because of their daily agency duties and roles. D&O insurance provides coverage for non-profit or social service agency directors if they are sued for job-related activities or conduct.

As in the for-profit world, harassment lawsuits and discrimination grievances are prevalent in non-profit organizations. These types of lawsuits pose some of the greatest threats possible to non-profit and human service organizations: actions brought against directors and officers present great financial risks to agency boards or investors. In the event that a suit is brought against a social service agency director or officer, a D&O insurance coverage program drastically lowers the risk that any one board member will lose his or her personal assets as the result of a lawsuit. This type of insurance protection is so important that D&O is a standard requirement when assembling a board of directors.

D&O insurance plays several other important roles in a non-profit or health and human services organization. It can protect an organization in the event that a director or officer inadvertently releases classified or proprietary company information in good faith. This type of insurance can also protect the company in the event of a questionable hiring, termination, or promotional decision. Directors and Officers Liability Insurance is also beneficial in suits regarding how the non-profit manages its investment portfolio(s) and can be an asset in “conflict of interest” legal charges brought against the non-profit.

Unemployment Insurance

Most for-profit companies pay a certain premium percentage each month for unemployment insurance, an essential type of coverage that is legally mandated in order to own or operate a business. In the for-profit world, each time a former worker successfully files for unemployment compensation, the unemployment insurance premiums and taxes for all employees go up. This is especially deleterious to small for-profit entities, because the smaller the company is, the higher the per-employee cost will jump.

Unlike their for-profit brothers, non-profit companies can pay state taxes only for unemployment claims that are actually paid out. It’s an unfortunate truth that many social service agencies and non-profit organizations are unaware that they are eligible for tax reimbursements. Those health and human service organization employees who are responsible for unemployment benefits administration should consult with their unemployment insurance brokers to register as “reimbursing employers.” Then, rather than paying excess taxes on social service unemployment claims, non-profit and social service agencies can use the money for the betterment of their organizations.

Employment Practices Liability Insurance

A cursory reading of the business section of the local newspaper will reveal that lawsuits against employers are common, even on the rise, depending upon the industry. Reasons for such suits can include, but are not limited to: sexual harassment; discrimination on the basis of race, faith, or sexual orientation; wrongful termination, and more. Employment Practices Liability Insurance (EPLI) provides non-profit and human service organizations with coverage in the event of lawsuits.

Other types of human service and non-profit insurance coverages

Many non-profits and human service agencies offer specialized care or community services. Food banks, for example, provide nourishment to those who cannot afford complete meals from their own means. Jewish community centers lend cultural programs, childcare, and often, fitness and recreational opportunities to both Jewish and secular populations. YMCA branches offer services ranging from temporary sheltering; to fitness opportunities and youth day camp, to job training and placement programs. Group homes might provide services for the frail elderly; the mentally ill, or adults with Down Syndrome. Accordingly, each non-profit must consider its risks carefully and purchase insurance accordingly. Coverage options range from child abduction liability to patient molestation and abuse coverage to insurance for clinic volunteers and helpers.

Before a non-profit or health and human services organization commits to any insurance package, however, they must consult with experienced insurance brokers to determine the coverage packages that are most suitable for specialized organizational needs.

Allied Insurance Brokers provides risk management strategies and insurance for health and human services, social service agencies, and other non-profits. The company offers other specialized packages and agent and broker insurance services, as well. For more information, visit the company’s Web site, http://www.alliedinsbrokers.com.

Music Relieves Stress and Promotes Health

21 May 2008 In: health

As a violinist and collaborator on a lifetime of music projects, my deepest hope has always been that my music will bring joy and wellbeing to listeners. It surprised me at first, and has since brought me great satisfaction, to learn that many healers, from Dr. Bernie Siegel to Dr. Joan Borysenko, have used my musical interpretations to assist in relaxation and guided imagery.

Research study results are in that push our boundaries of understanding our brains, stress, and the effects of music stimuli on mental states. There was a one-day symposium at Stanford University in May of 2006 that gathered ethnomusicologists, musicians, and scientists to discuss the human musical experience, and the exchange of ideas encouraged continued research. They exchanged information about the way music can affect physiological activities such as heartbeat and blood pressure, change brain function, and even be used to treat neurological conditions.

When what we perceive meets how we react, stress results. In other words, you and I may react differently to the same experience; you might remain calm, I might become agitated. If stress builds up without relief, it can lead to many physical, psychological and emotional symptoms.

If you can recognize your own personal reactions to situations and identify the sources of your personal stress, you can learn to change your response. This is where music comes in. We all know that music can help you to “feel good,” but did you know that research has shown that this good can last far past the actual listening experience? It’s true - music changes your brainwave activity levels and this also helps your brain accomplish this on its own.

Music has been proven to support relaxation past the moments of listening to help individuals realize the health and wellness residing deep within themselves. Music has also been shown to help people prepare for surgery and heal faster. When patients listen to relaxing music, their breathing deepens, more oxygen is transported throughout the body, and there is a secretion of serotonin in the brain which stabilizes moods.

One of the great benefits of music for stress relief is its versatility. You can listen to it in your leisure time and carry the benefits with you long after you’ve stopped listening, and you can also incorporate it into your daily life, thanks to mp3 technologies, without having to stop what you’re doing.

Music stimulates brainwaves to synchronize with the beat - a faster beat encourages alertness and concentration while a slower beat calms, relaxes and creates a meditative state. So depending on your needs, music can enhance every activity and balance every mood.

Daniel Kobialka is a world-renowned violinist and composer recording independently on his own label, Li-sem Enterprises. Visit Musical Inspirations to follow recent research that integrates psychology, physiology, and Daniel’s relaxing music for health and wellbeing. http://musicalinspirations.com/data/html/music-therapy/39.cgi

Humor, Stress Relief and Mental Health

20 May 2008 In: health

Stress is the biggest culprit that keeps us from enjoying our lives. However, that doesn’t have to be the case even if you have a stressful life. There are many ways for stress relief that will help you relax and enjoy life. Humor is a great stress reliever that does wonders for your mental health. The following stress relief tips will really help you find peace while enjoying life.

Humor

Humor is a great stress reliever and just laughing out loud can make you feel more relaxed and happier. Any kind of humor will do and make you feel better. Jokes, comedies, caricatures, seeing a comedian, or just going out for dinner with funny friends is a great way to increase your mental health and to reduce stress. You might not believe it at first, but give it a try and you will see that when you laugh you feel much better!

Exercise

Exercise is a wonderful way to relieve stress and improve your mental health as well. When you are stressed it can be very difficult to live life, but exercise can help. Find a block of time, perhaps half an hour or more, and start walking, running, taking an aerobics class, or engaging in any form of exercise you enjoy. Exercise will stimulate endorphins, which will help erase your stress and make you feel better. So, whatever exercise you can muster get out and do it. You will find that you feel much better and will feel the stress just melting away.

Nutrition

Another important way to get stress relief is to eat properly. When you have good nutrition your body will be well prepared to handle extra stress. When you don’t eat well then your body gets run down quicker and you will find yourself at risk for illness. So do your very best to eat vegetables, lean meats, and drink plenty of water each day. When you have a healthy body then you will be able to combat stress.

These are just a few tips that will help you relieve your stress and start enjoying life again. Even if you don’t believe they will work just give them a try. You will find that in a week or two you will start feeling significantly better and will be better able to handle your stress.

Natalie Aranda writes about self improvement and health. Humor is a great stress reliever and just laughing out loud can make you feel more relaxed and happier. Any kind of humor will do and make you feel better. Jokes, comedies, caricatures, seeing a comedian, or just going out for dinner with funny friends is a great way to increase your mental health and to reduce stress. You might not believe it at first, but give it a try and you will see that when you laugh you feel much better!

Constipation Dog Health

20 May 2008 In: pet

re you concerned about constipation dog health? Typically, dogs have bowel movements at least once every two days. Read on to learn about the symptoms, causes, and prevention of canine constipation.

Symptoms.

A dog who is constipated may experience loss of appetite, vomiting and seem lethargic. If your dog strains while having a bowel movement or stool is bloody, your dog may have an infection and you should consult your vet immediately.

Causes.

Certain breeds of dogs may be more prone to constipation; however it can affect any dog. Eating large meals, bones, chew toys, sticks or other objects that aren’t meant to be edible, can cause blockage in your dog’s digestive track.

Causes can also be more serious, such as a condition called “mega colon” which is an inflamed colon which prevents the discharge of feces. If you suspect a problem, the best idea is to consult with your vet.

Treatment.

Typically your vet will exam your dog and use radiography if necessary. If the problem is minor, your vet may elect to use a laxative that will soften the stool. If that doesn’t work, your doctor may opt for surgery. Your dog may also need to be treated for dehydration.

Prevention.

Making sure your dog has a diet high in fiber and drinks plenty of water can do wonders for preventing constipation. Regular exercise will also stimulate the bowels.

Although it may be tempting to feed your dog from the tables, refraining will help prevent constipation. Foods that contain, flour, sugar, rice, dairy and high protein can be problematic for your dog.

Did we answer your question? If not, please visit www.dog-health-info.net for additional resources.

Green Tea and Men’s Health

20 May 2008 In: health

Green Tea is an ingredient that increasingly pops up when discussing men’s health concerns. Although it’s been utilized for hundreds of years for medicinal purposes, it seems like new benefits are being revealed all the time. According to numerous scientific studies, the effects of green tea are currently being considered for treatment of a number of health conditions, from several forms of cancer to mental alertness to weight loss to cholesterol maintenance.

To help you understand the importance of this ingredient’s role in both skincare and nutritional capacities, we’ve broken down the many benefits of this ingredient:

Powerful Antioxidant: Green Tea contains high levels of phenolic acids and catechin-antioxidants which play a major role in protecting the body against free radical damage. Free radicals can cause cellular oxidation and damage, which contribute to health problems associated with aging.

Goodbye Jitters: Because Green Tea contains tannin, it produces an energized feeling and increased alertness for extended periods of time. However, unlike caffeine levels in coffee, tannin provides a gentle increase in energy, without the jitteriness or rapid decline in energy associated with this type of caffeinated reaction.

Fat-Burner: Recent studies are being conducted on the increased health benefits of Green Tea for men looking to lose weight. Consuming Green Tea increases the metabolic rate, causing greater fat oxidation and better weight management. In fact, several studies reveal that the potential weight-loss properties of Green Tea go well beyond its ability to simply accelerate metabolism.

Clean & Complete: Green Tea has been utilized throughout the world as a cleansing agent. For more than 5,000 years, Asian cultures have used Green Tea for its healing and cleansing benefits, and Green Tea continues to be a major ingredient in many treatments.

The Full Treatment: Green Tea is also being studied for its potential role in the fight against cancers, heart, joint and liver diseases.

Pop Music Producer Roadblocks To Success

19 May 2008 In: music

Wannabe producers always have at least one fatal flaw. Now the flaw varies from person to person, but they basically fall under 3 categories. So to lets list out the rules to keep you in the game.

People Skills

Lets start with the granddaddy. This is a people biz hombre. You deal with people all the time, whether it be label execs, engineers, or the talent you are producing.

Because of this critical point your people skills will make or break your career. This may seem overrated if you come from the school of thought that says, “if I get a single it will be enough.” Honestly, maybe. But your success is so much more likely if you treat people in a way that makes them feel good.

That is what brings Rick Ruben success in this industry. That man is unquestionably the biggest thing on the scene. He has hits in all genres from Rap, to Country and people want to work with the cat because he makes them feel good, and alive.

Do you do this?

If not maybe its time to learn. Go get a copy of How To Win Friends And Influence People by Dale Carnegie. It could be a career changing book

Overshadowing

The second mistake that many produces make is to cast a looming shadow over an entire project. This is usually because the producer is a control freak. This type of producer has their fingerprints all over an album, and the artist feels suffocated by their presence.

Music is supposed to be an outflow of a vision. A song comes to life out of an artist, if they feel stifled by an overbearing oppressive regime you are not going to get the best production out of them. That is the truth.

Now, that does not mean that a good producer cannot point out flaws and errors, it just means that it should be done in a way that makes the talent want to change, not hole up and die.

Work on allowing the artist to breathe. Give them space to be an artist, but yet keep the project moving forward. Its tough, but hey that’s your job.

Limited Chops

The last area that hang up wannabe producers is a limited pallet of chops. This shows up in the inability to get the sounds, beats, or vocal takes because of lack of knowledge. A know-it-all attitude is a sure way to shoot yourself in the foot.

This kind of problem rears its head in a production the has a good song but sounds like crap.

There are numerous and varied attractions to putting your music collection onto an iPod or other type of high-spec digital media player using Apple iPod downloads.

Compared to other types of personal stereo, well frankly, they win hands down.

For one thing they are able to store an enormous quantity of music - in some cases several thousand albums. This gives you the possibility of listening to whatever you want wherever you want.

Secondly, since there are no CD’s or tapes to carry around all you have to take with you is a small self-contained digital device.

The other main attribute of the iPod is its flexibility, unlike other personal stereo’s they can be simply connected to your home hi-fi or car stereo. Imagine it, your whole music collection in its entirety, instantly accessible at home, at friends, while driving or on vacation.

iPods and the various Apple iPod downloads sites have opened up a whole new way of arranging and listening to music.

You can compile playlists of choice songs - a four-hour upbeat selection for your birthday party, or a short relaxing selection for your walk to work. Or have your player select your music for you, picking tracks randomly from your whole collection or from a selection of music from a chosen genre.

There is a selection of similar player devices, which have not reached the iconic status of the iPod, or for that matter its sales volumes. There are many brands available in the market, Creative Labs, who make the Zen, iRiver, Microsoft with the Zune player.

One of the major advantages of the iPod is the ease of use, downloading of music and other media to the player is very simple. In addition there is a plethora of Apple iPod downloads sites on the web from which to source material, be it music, games, movies, video or podcasts. The main problem today is to find reliable and value for money services.

Apple iPod downloads sites fall into two basic categories. These are membership sites where you generally pay a one off fee, which then gives you unlimited access, or sites where you pay per download.

Your choice of service will depend on how much you download; if you become a regular downloader (and lets face it we all do) the membership site option may well be more economic for you.

Drums - Playing With Other Musicians

19 May 2008 In: music

I remember when I first started playing the drums back in 1976. I was just ten years old, and the thought of being an awesome drummer in a band just consumed me.

I remember dreaming about playing drums in front of hundreds, or even thousands of people someday. But, I really never considered how difficult it would be to finally get to that point.

Now, after thirty years of drumming, and playing with dozens of different musicians with various personalities, I can clearly see why most drummers and other musicians cannot play together for very long.

The three biggest reasons are… personality conflicts, ego, and just life in general.

Some people may think personality conflicts occur all because of ego. Even though sometimes that is true, personality conflicts can result from simply just not liking another person for whatever reasons.

As far as ego is concerned, there is nothing wrong with a good healthy ego. It’s when that ego gets distorted and someone begins to think he or she is something they’re really not. That is when it gets ugly.

I remember playing drums in a band back in 1985. The lead guitarist was so arrogant no one could hardly stand him. He was definitely a great guitarist, the only problem was, he knew it… if you know what I mean.

There is simply one way to get along with someone with a totally distorted view of themselves, and that is to let them continue to think the way they want to think.

A person with an overinflated ego is so sickening that most people cannot bear it for long. And one person with an ego problem usually cannot work with another person with an ego problem because then it becomes a battle of the wills. That’s one of the biggest reasons bands break up.

Anything with more than one head is a freak and will not function properly unless everyone involved willingly agrees on any particular topic.

Another reason why drummers and other musicians cannot play together for very long is because of the things “life” throws in the way.

People get married, people change jobs and move away, people have babies, people get sick, and the list is endless.

The only thing that controls your future as a drummer is you. Will you decide to have a likable personality? Will you keep your ego in check? Will you keep a good attitude and stay focused when “life” throws it’s fiery darts at you? It’s all up to you.

Hello world!

19 May 2008 In: Uncategorized

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