Obama's Health Care Reform Bill VS The Workforce

Everyone can agree that health care should be made available to every American. Now that President Obama has signed the bill into law we have yet to view the entire package. Already burdened tax payers will pay dearly for this one as in the end we still pay the cost. Businesses will be required to provide health coverage for employees. This action will have anegative impact on the work force as small business will have to scramble for extra funds to pay for health insurance. A small business owner will have 4 choices.

1) Raise the price of goods or services to compensate for the increase in costs. The end result consumers pay the price. Raising prices in a recession will slow sales which could lean toward layoffs adding more employees to the unemployment lines

2) Force employees to pay a greater percentage of the cost and opt for a cheaper policy with less coverage. Employees will see less take home pay stretching already tight belts. With less to spend in their pockets we slide further into a depression.

3) Lay off a few employees or freeze hiring as employees retire to compensate costs. This action will add workers to the unemployment lines sending us farther into a depression.

4) Start using temp agencies.

With a huge pool of overqualified work force in unemployment temps will be the wave of the future. An employer does not have to provide health coverage for temporary employees. Every few months the employer will tell the agency to send out different workers so they do not have to hire anyone. Productivity and customer service will decline as a result of temporary workers. Although they can be good workers, a temporary work force will have to be retrained every few months as they are bounced around from workplace to workplace. After a period of time this can have physiological effects on the best of workers.

Introducing a costly health care reform bill during a deep recession is bad politics. In the long run it might just push us into a depression. More job cuts and a further strain on the economy. The government always reports new unemployment filings for the month but they do not report the numbers whose unemployment benefits ran out and still are out of work. The government will not admit it because they always paint a rosy picture. Introducing the health care bill during a deep recession took the focus off the economy to the new subject of health care reform.

davidmg.com/health-care-reform.html Health Care Reform

Pros and Cons of Establishing an In-House Ad Agency

There have been several ads promoting books and reports on this subject, or included as part of the contents in several mail order books stating:

"SAVE UP TO 17% ON ALL YOUR ADVERTISING"

It's legitimate, practical and effective, but like so many other promises, there are pros and cons involved. The pros are fairly obvious. By setting up your own advertising agency and placing your advertising under your agency name, most magazines will allow you the standard 15% agency commission plus and extra 2% cash discount. If your annual ad budget is $5,000 this amounts to a saving of $850 a year, which is a considerable piece of change.

The negative side to this operation involves the initial cost of establishing your new agency, which isn't very difficult, but it might be considered time-consuming. To initiate an agency you will have to have a name for it other than your regular business name. Example: If your company name is Nationwide Electronics and your name is John Smith, you could call your agency John Smith Advertising or The J.S. Advertising Agency, The agency address will have to be different than your company's, but this can be resolved by renting a post office box for the ad agency and using your home or office address for the other. Next you will have to open a separate checking account under the agency name because all advertising payments will be issued thru your agency, and you will probably be required to register your agency with your County Clerk as a new business.

Once these details have been taken care of, you're ready to begin placing ads. You'll have to have insertion order forms printed with your agency name and address, and a separate form must be prepared for each ad in each publication. When your advertising schedule involves only a few publications, this will not be a problem, but if you expand into 50 to 100 different magazines, it can really cut into your time. Of course, if business gets large enough, you can always hire a secretary to take care of that chore.

Copyright 2004 by DeAnna Spencer

This article may be reproduced freely on the Internet as long as the resource box remains intact.

DeAnna Spencer is a virtual assistant that helps entrepreneurs run a successful business by providing affordable administrative help. She also publishes a blog for small business owners. Visit this learnsmallbusiness.wordpress.com small business resource today.

An Insurance Agency Means Efficiency And Dependability

Life has always been uncertain. You are on your way to work as usual, but suddenly a car rams into your vehicle. Although your vehicle gets damaged, you escape unhurt. But what if the accident had involved loss of life? You have a family to take care of, so it is your duty to make sure that in the event of something happening to you, they do not face any financial constraints.

That is why it is better to be prepared from before. A life insurance policy is your best option to secure the lives of your loved ones. In the event of some unfortunate incident, your family will be paid a certain sum for their living expenses. Burial and funeral expenses are also covered under this type of policy. This is all the more necessary if you are the sole earning member in your family.

While you are buying a life insurance policy for yourself, it is also advisable that you purchase an automobile insurance policy as well. If your car has suffered a lot of damage, then you will have to spend a lot of money for the repairs and restoration. Auto insurance will cover the costs to a certain extent. Even if you have to pay from your own pocket, it will be much lesser than what you would have to fork out if you did not have an auto insurance policy. Did you know that women above the age of 60 pay almost 130 dollars more for auto insurance than the men of the same age?

If you are clueless about the different types of insurance policies and how they can be of use to you, then it is better to get in touch with an insurance agent directly. He will be able to explain all the details to you and then help you to decide which policy is the most apt for you. You have to pay a certain amount as premium to the company and thus the sum keeps on accumulating till the time you need the money.

Looking for a fciains.com Florida insurance agency? fciains.com fciains.com is one of the most reputed firms in Florida. They deal with all types of insurance and have a long list of satisfied clients till date. They are also the oldest agency in Flagler County having been in existence for over 75 years. The agents are knowledgeable, competent, and helpful so you will certainly get your money's worth here. Do you want to get in touch with them? All you need to do is to visit their website and leave your details in the "Contact Us" section. Don't take chances with your life!

Gaining an Online Education in Health Care Administration

Training for an accredited education in health care administration can be completed through a variety of online schools. Students can prepare for their desired career in this exciting field by enrolling in a degree or certificate program. Online educational programs can give students the opportunity to receive the training they need from the comforts of home. Studies can be completed in a number of areas, and will allow students to obtain an associate, bachelor, master, or doctoral level degree in health care administration.

*Health Management

Online health management training programs allow students to gain the education necessary to enter into their desired career. Students can prepare by gaining an associate, bachelor, master, or doctoral degree. Training requirements will vary by level of education and desired career. Students may have the opportunity to study subjects like:

Business Communications
Databases and Spreadsheets
Managed Care Contracting
Accounting
Health Care Organizations
Sociology
Statistics
Human Resources Management

...and many other related courses. Training in these areas will prepare students to seek employment in medical offices, hospitals, clinics, and other medical facilities. Accredited online schools and colleges will give students the chance to obtain the skills and knowledge they need to succeed in their desired career in health management.

*Health Services Administration

Online career training for careers in health services administration can prepare students with the knowledge they need to enter into the career they desire. Accredited training is available at a number of levels including associate, bachelor, and master degree levels. Students can study a variety of subjects based on the level of degree. Some studies may include courses like:

Managerial Accounting
Communications
Health Economics
Healthcare Informatics
Health Care Policy
Quality Assurance
Strategic Planning
Human Resources

...and many other relevant topics. With an education in these specific areas of study students will be able to find employment managing patients, nurses, doctors, in a variety of medical settings. Training online for a career in health services managements will open a world of options for students.

*Hospital Unit Coordinator

Training for a career as a hospital unit coordinator can be done by enrolling in an accredited online school or college. Students can choose to earn a certificate or associate level degree in this area of the field. Training will require students to complete a variety of coursework that may include:

Clerical Skills
Medical Terminology
Computers
Communication
Order Processing
Clinical Healthcare

...and much more. With knowledge in these areas students will be prepared to enter into their desired career as a health unit clerk, unit coordinator, ward secretary, and more. Students will have the skills needed to enter into the workforce with an accredited online education in hospital unit coordinating.

Accredited online educational training programs are available to provide students with the quality education they need and deserve. Full accreditation is provided by agencies like the Distance Education and Training Council ( detc.org detc.org ) to online schools and colleges that meet the requirements. Students can gain the certificate or degree they desire by enrolling in a program today.

DISCLAIMER: Above is a GENERIC OUTLINE and may or may not depict precise methods, courses and/or focuses related to ANY ONE specific school(s) that may or may not be advertised at PETAP.org.

Copyright 2010 - All rights reserved by PETAP.org.

About the Author: Renata McGee is a staff writer for PETAP.org. Visit petap.org petap.org to locate petap.org/categories/OSD/online-health-care-administration-schools-colleges.cfm Online Health Care Administration Schools providing the degree you're looking for. PETAP.org, your Partners in Education and Tuition Assistance Programs.

Minimize Fire Risks at Home Via Smoke Alarm Safety Measures

Approximately 3,000 lives in the US are lost to home fires every year. A huge chunk of these casualties are surprisingly caused by inhalation of smoke or toxic gases rather than by severe burns. In addition, most of the reported fire accidents and fatalities have happened when the family was sleeping. Minimize the possibility of these risks occurring right in your home through learning about smoke alarms and implementing proper safety measures.

As small as a smoke alarm can be, it could actually serve a very significant purpose. As it sends off a loud signal should smoke from a fire source arises, you and your family can safely get out of the house. This simple device then reduces the risk of having to encounter fatalities in case of fire. Then again, it can only function well if it is maintained properly. And so you could provide appropriate care for the device, you must primarily know what type it is you have at home or what type you will purchase.

There are two basic types of smoke alarms. One type is the ionization alarm that signals faster in case a flaming fast-moving fire is present. The other type is the photoelectric alarm that goes off more quickly when smoldering and smoky fire occurs. But a recent fusion of these two technologies has acclaimed more popularity among consumers - the dual sensor smoke alarm. And in order to protect individuals with hearing disabilities, there are new smoke alarms available in markets that use strobe lights or vibrations to send off warnings.

According to the US Fire Administration, it is but fitting to install both types of alarms or the dual sensor type in key places in the house. For multi-story homes, it is best to place alarms on every floor including the basement. Sleeping areas should have individual alarms as well. And outdoor and/or detached spaces within your property should have alarms too.

Ease of installing this device depends on its manufacture. Hard wired alarms that need to be connected to your house electrical system might require you to hire a licensed electrician to do the installation unless you are qualified to do it yourself. For brands like battery-operated or self-adhesive ones, installing them could be such a breeze as you would be only required to screw or stick them to the wall or ceiling. However, be sure to follow the product guide to guarantee it would work accordingly. You might also have to contact your local fire department or other concerned agencies regarding mandatory proper smoke alarm installation.

To promote further alertness in case of fire, the US Consumer Product Safety Commission suggests a set of smoke alarm and fire safety measures to be implemented in your home. For one, a fire escape plan should be one of the major priorities of your family. This drill should include all possible escape ways and designation of emergency numbers and kits. All members of your household, including permanent or occasional house help, should be part of the practice.

It should be practiced at least twice a year, and each drill has to be done twice a day - once during the day and once again when other family members, especially the kids are asleep. The nighttime drill would enable you to see if they are caught off guard. If someone seems to be difficult to awaken, integrate contingency plans to address this problem.

The alarms should be tested monthly. For battery-powered devices, the batteries have to be refreshed at least once a year. Most models come with a feature that indicates low battery charge, either a chirping sound or blinking red light. Lastly, always dust off your alarms to ensure their smoke detection mechanism is not hindered to function well.

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Modular Home Construction Vs Traditional Home Construction

Modular Homes The Other Name Of Comfort:

Modular homes are built in sections in a factory setting, inside, where they are never subjected to adverse climate conditions. The sections move through the factory, with the company's excellence control section examination them after every step. Finished module are covered for protection, and then transported to your house site. They are located on a pre-made foundation, joined, and completed by your local builder. A modular home conforms to the building codes that are required at the specific location it will be delivered to, and in many cases construction exceeds the required codes. Differences between modular home construction and traditional home construction?

Modular Homes Construction Not A Big Deal:

Modular homes are built in factory, and benefit from the assembly line production process. The factories pay money for huge quantities of lumber, sheet rock, carpet tiles, paint, rugs, etc., they give much less for all and can have huge quantities delivered at one moment. Labor is used with maximum efficiency, with skilled craftsman moving between workstations on the factory floor.

Modular Home Benefits Over Traditional On site Construction:

Modular home construction poses numerous benefits over traditional on site construction. The level of quality, efficiency, and overall cost savings through modular construction surpasses even the highest standards for site-based construction. The modular home construction industry remains on the cutting edge of the latest in construction innovations and state-of-the-art production technology to offer endless possibilities for a beautiful home using almost any house plan.

Modular construction adheres to the highest standards for quality control as well as complete compliance with local, state and national building codes. The process begins with careful review of each building plan using state-of-the-art computer technology. Once construction is underway, modular home factory specialists are rigorous at assuring expert inspection for quality control at each stage of building. The equipment used in modular home factories is larger and more powerful, with the ability for exact precision so that all walls are plumb and corners are square. With traditional home building, lot preparation takes place first, before any building can begin. Weather and contractor scheduling affect the duration of this process, thus extending the cost of material replacement and labor.

Modular houses are the strongest of all frame homes built. A typical modular home contains 30 percent more lumber. Floors and walls are both glued and screwed to hold out the rigors of over-the-road transportation and crane lifting when setting the house on a foundation. Make no mistake, modular is just a better way to build. Typically, modular homes [1modularhomes.com/Articles/Nationwide_Modular_Homes.php] are buying through a modular builder. After the floor strategy and options have been agreed, a state-approved third party reviews the plans to assurance they meet the code for the state where they will be built. Moreover, a third party inspection agency licensed by the state conducts inspection at the plant while the home is being manufactured and assembled. In the temporary, a local builder lays the homes foundation.

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How to Find the Right Child Care Setting Or Preschool For Your Child

Your child is going to school for the first time. What an emotional time this is! There is so much on your mind. How he or she will adapt? How he or she will be treated? Will he or she eat or drink enough? All these questions can be summed up in one: How do I find the right preschool or child care for my child?

What kind of child care is there available?

Home-based care:

Listed family homes: People who must list with the division are those who are compensated to provide regular child care (at least four hours per day, three or more days a week, for more than nine consecutive weeks) in their own homes for 1-3 unrelated children.

Registered Child Care Homes: Registered Child Care Homes provide care in the caregiver's home for up to six children under age 14; they may also take in up to six more school-age children. The number of children allowed in a home is determined by the ages of the children. No more than 12 children can be in care at any time, including children of the caregiver.

Licensed Child Care Homes: Provide care for less than 24 hours per day for 7-12 children underr 14 years old. All types of licensed facilities have published standards they are required to follow and are routinely monitored and inspected.

Center-based care:

Licensed Child Care Centers & preschools: are any operation that cares for 13 or more children under 14 years old for less than 24 hours.

Do not make the mistake to choose a facility based on proximity or cost alone. The closest school to your home might not necessarily be the right choice for your child. Also, keep in mind that the highest cost doesn't always guarantee the best teacher and facility. Likewise, the least expensive rates do not necessarily mean poor teachers and facilities.

Since I'm a former preschool teacher, I thought I knew exactly what to look for when I had to make this decision, and even for me it was a little tricky. I visited a few preschools that were the closest to my home with the hopes of finding the right one for my son among those. I decided to try one that presented itself very attractive, even though I was a little uneasy about this one school: It was so close to home and it look so good as far as appearance goes, that I decided to give it a chance. To make a long story short, I was right about "my gut feeling" I had about this school. My son only lasted there two weeks, and he was miserably unhappy for the whole time.

And that is why I think "your gut feeling" is so important, and the first thing I would recommend when looking for the right school for your child is to pay attention to your instincts.

1. Pay attention to your instincts

You know your child best. Pay attention to any feelings of uneasiness you may have experienced during site visits or interviews. Could you picture your child in this setting? Were the toys and activities you observed the kinds your child would enjoy?

2. Look and listen

You can tell a great deal by observing and listening to what is going on in the classroom. Did the children seem happy and were they enjoying activities? Did the teachers seem to be loving, nurturing and responsive to all children in their care? Were problems handled promptly and appropriately? Did the teacher seem like the kind of people you can trust with the health, happiness and well being of your child? Is this a place where you would feel good about your child spending many hours each day?

3. Professional Qualifications

What is the lead teacher's level of education? Research shows that children whose teachers have more education have better outcomes. Increased education and specialized training in early childhood education produces higher quality programs and positive child outcomes. Formal education plus annual in-service training equals higher quality levels.

Every state has mandatory hours of training required for childcare givers to attend, for teachers and helpers as well. For instance, in Florida, there is a 30-hour-childcare training that is mandatory for all childcare workers, teachers and helpers to attend, and then a 10-hour-Age appropriate-training thereafter. You may inquire whether your child's teacher and/or helper have completed this mandatory training. The number of hours varies from state to state. To find out more about this you may visit your state's DEPARTMENT OF FAMILY & PROTECTIVE SERVICES or CHILDREN'S SERVICES Website.

4. Curriculum & Daily Routines

Do they use a curriculum? What curriculum do they use?

A curriculum based on developmentally appropriate practices should be utilized and teaching staff should have been trained in implementing this curriculum. This is extremely important if you are interested in your child being educated and not just being watched. Implementation of a developmentally appropriate curriculum is a strong predictor of children's success in school.

Not only that, you don't want your child in an environment where there is nothing planned to do. He or she is going to be bored out of his or her mind after he or she is done playing with toys, and most likely will engage in misbehavior and disorderly conduct due to lack of organized and planned activities. This is when children begin to hit and push each other and become aggressive to one another due to lack of planned activities. The day has many hours. We can not expect children just to play for 8 hours. And I'm a teacher, I know all about children learning by playing, but even play needs to be planned and guided by the teacher.

The following is what Broward County in the State of Florida requires on this aspect:

DAILY ROUTINES and PROGRAMS

1) Infants:

Infants shall have planned activity periods of play suitable to stimulate their interest, opportunities for talking and cuddling with staff members and ample opportunities for exercise outside their cribs on mats or on a clean floor surface. All infants should have a daily outdoor period, weather permitting.

2) Other Age Groups:

The facility shall have a daily schedule of activities posted in a place accessible to the parents. The activities shall be appropriate to the developmental age of the child. The daily schedule shall include, but is not limited to, the following:

o Broad blocks of time for activities in art, language development, music, block building, creative and dramatic play, science, manipulative play, active play, indoor and outdoor play periods

o Time period for providing meals and snacks

o Quiet time or nap period

Activities for both indoors and outdoors shall be provided by a flexible daily schedule of regular routines in order to give the children the sense of security they need to help them become self directing and independent, and to develop a positive self image. There shall be a sufficient amount of play equipment and materials available for the licensed capacity of the facility.

3) Each child three years of age or under shall have a daily rest period of at least one hour on a cot, mat, crib, bed or playpen.

5. Ratio and Group Size - research strongly suggests that smaller group sizes and more staff with children lead to better outcomes for children. Lower ratios and smaller group sizes allow teachers to give children more individual attention, a key to success.

I think this is the same for all the states, but again, you should check your state's Children Services Website to be sure. Bellow is Broward County's, Florida, student/teacher ratio rules. And I using Florida as an example because I completed my Early Childhood Education/Child Development studies there and I'm must familiar with the rules and regulations of this particular state pertaining to this subject.

RATIOS OF PERSONNEL TO CHILDREN

Age of Children

Ratio

Under 1 year of age

1 staff member for 4 children

1 year of age

1 staff member for 6 children

2 years of age

1 staff member for 11 children

3 years of age

1 staff member for 15 children

4 years of age

1 staff member for 20 children

5 years of age and older

1 staff member for 25 children

6. Family Engagement: The program recognizes that children's chances for success increase when families get involved in their child's early care and education program. The program promotes ongoing family participation in a variety of ways.

7. Program Administration: A strong set of management practices including record-keeping, financial management, staff hiring and retention practices, and emergency planning are key to a successful program.

Signs to look for:

What to look for:

Do the children look happy, involved in activities and well-cared for?

Do teachers get on the child's level to listen, talk and play with children?

Do teachers give individual attention to each child?

Are teachers warm, kind, calm and patient?

What is your child's reaction when he first sees his teacher in the morning?

Are there sufficient materials such as blocks, books, puzzles, art supplies and toys for all the children and are they available throughout the day?

Are well planned activities such as music, painting and dress-up play provided for children?

Does the facility seem cheerful, clean and safe with equipment in good repair?

Is hand washing and diaper changing done frequently?

Is there adequate indoor space for play, naps, meals, belongings?

Is the outdoor play are fenced, safe, well-equipped and supervised at all times?

Questions to ask

(You will probably receive an information packet that will answer some of these questions for you, but if you don't, here are some important questions to ask)

Is the program licensed? Accredited?

Private accrediting agencies perform an important quality assurance function by accrediting or certifying early care and education programs that meet their standards. Accredited child care programs have a strong interest in quality and have met a set of standards higher than licensing standards set forth by the particular Early Childhood Agency or Association they have cared to join. Some of the well known National Early Childhood Associations are: NAEYC, ACEI and NAFCC, and there are many others.

Are references and background checks conducted on staff?

How many of the teaching staff has been employed in this facility or home for more than one year?

Does the person who will be teaching your child have training in early childhood education, First Aid and CPR?

How many children are there for each adult? (adult to child ratio)

How many children are in your child's group? (smaller group size is a quality indicator)

Are there written policies/information regarding: philosophy of education for young children; discipline; on-going staff education/training; illness and injuries, napping; and toileting habits?

AND ALL OTHER QUESTIONS YOU FEEL THE NEED TO ASK. DON'T HESITATE...

Once you have made a choice. It doesn't all end there. You will want to talk to your new teacher often and make occasional visits to ensure that your child is safe and happy- that your decision was the right one.

I sincerely hope this information was helpful to you and that you find the right Preschool or Child Care setting for your bundle of joy like I finally did for mine. When one's child is excited and looking forward to going to school every time, one realizes that making the right choice makes a whole world of difference, and it will show...

If you would like to add your own thoughts or comments to this post, please feel free to do so below.

Reina is the Publisher at BestforYourKids.com BestforYourKids.com - A blog that talks about helpful tips for raising Babies, Kids and Teens.