Monthly Archives: January 2018

Archive of posts published in the specified Month

Jan
31

Building Your Personal Brand: Are You Qualified or Disqualified by Your Internet Presence?

In a social-media crazed, internet browsing society, it seems that precious little is sacred anymore. Every day, a combination of voyeurism and stagecraft can be seen cluttering our news-feed. Many things that we once kept to ourselves are now a veritable free-for-all in the mysterious vortex of the World Wide Web. And not all for the best. Even with increasing internet privacy concerns, consumers continue to put their personal lives on display for all to see. As Mineo (2017) suggests, “In the internet era, consumers seem increasingly resigned to giving up fundamental aspects of their privacy for convenience in using their phones and computers, and have grudgingly accepted that being monitored by corporations and even governments is just a fact of modern life”. Still, amidst the myriad of cat videos, political banter, memes, recipes, and personal photos, there can be seen the emergence of marketing genius. The internet, in conjunction with social media, has become a marketplace where individuals as the product come every day to advertise their personal and professional brand. There are some things that one should consider in terms of exactly what is being advertised when you, as the product, enter the global marketplace.

1.) Can You Be Found?

To see what my personal brand looked like I Googled my name and found everything but me. The search revealed everyone from an artist to an actor’s son, but not me. Now, when I added my current city to my name, I finally found a ruggedly handsome rogue that looked remarkably like me. I utilized two other sources, including Klout, and WebMii. This led to the startling revelation that I will not be going viral anytime soon. While it is better to have no presence than a negative presence, hopefully, my diminished online visibility will one day be replaced with significant civic and academic achievements.

2.) Are You a Product Worth Buying?

Is your visibility high or low? What are you advertising about yourself? Very often, the information available about an individual reflects the kind and quality of character they possess. Many employers and human resource professionals actually take the time to thoroughly research online profiles then subsequently judge an applicant’s personal brand. In one case, A reporter at the Arizona Sun was fired “for posting unprofessional and inappropriate tweets to a work-related Twitter account.” He had opened the account at the Sun’s urging and identified himself as a reporter there in his lil’ Twitter bio. He tweeted about how bad his paper’s copy editors were and got a warning. He later posted some insensitive things about area homicides and criticized a local TV news station. That led to him getting the boot (Hill, 2011). So, aside from that photo of you winning the ugly sweater contest at the office Christmas party, it would be worth your time to think about whether the product you’re putting out there can get you hired. Or fired.

References:

Mineo, L. (2017, August 24). When it comes to internet privacy, be very …

Jan
30

Kinesiology 101: Joint Movements

Kinesiology is the study of human movement. Most people attempting to pass a musculoskeletal anatomy or kinesiology class or a personal trainer exam must understand the basic joint movements of the human body.

Synovial joints, or those that are functionally classified as diarthroses, are the primary joints that have considerable movement compared to the sutures in the skull or the teeth fitting into the gums.

There are 6 subcategories of synovial joints including hinge joints, ball and socket joints, pivot joints, saddle, condyloid, and planar joints. Because most large or gross movements occur at the hinge and ball and socket joints, I’ll focus on these.

There are several common hinge joints worth considering. They are the elbow joint where the humerus (arm bone), radius and ulna (forearm bones) meet. The ankle or talocrural joint occurs where the distal ends of the fibula and tibia (leg bones) join with one of the bones of the foot, the talus. Another common hinge joint is the knee joint – the articulation (joint) where the tibia (shin bone) and the femur (thigh bone) come together.

All three of these hinge joints are capable of flexing and extending as their only actions. For example, the action of straightening the leg is considered to be knee extension. The opposite action, flexion, is signfied by someone bringing their heels toward their buttocks. In the elbow example, flexion is bringing the hand up toward the chest/shoulder area from a straight elbow position while extension is straightening the forearm at the elbow. The ankle joint is unique in its description of flexion and extension. When one stands in a position known commonly as “on the tippy toes”, s/he has plantar flexed (extension at other joints, but a special name for this action at the ankle). Moving the toes toward the shin, is dorsiflexion of the ankle joint.

Flexion is defined as decreasing the angle between the bones comprising the joint. Extension is described as increasing that joint angle. I consider, when trying to remember which is which, that flexion is always moving a body part “forward” while extension is just the opposite – moving it backwards. This “rule” holds true for every joint THAT IS CAPABLE of flexion and extension with THE EXCEPTION of the knee joint. At the knee joint, flexion is moving the heels BACK toward the buttocks while extension is the opposite.

The two ball and socket joints, the hip and the shoulder joints, are capable of moving in flexion and extension as well as medial (internal) and lateral (external) rotation and adduction and abduction. To flex the shoulder, one would move the arm as if reaching out to shake hands with someone. To extend the shoulder, a person would reach back as if they were accepting a baton in a track relay race. The act of punting a football would be flexing the hip, while moving the hip in the opposite direction, would be hip extension.

Due to the structure of the shoulder and hip …

Jan
29

Reaching Your Goal of Low Cost Health Insurance

When trying to determine the right low cost Medical Insurance for yourself it may be beneficial for you to compare various Low Cost Health Insurance plans while doing so. There are several questions that the individual will need to ask themselves when searching for a health insurance, such as what are my basic wants and needs.

Knowing that you are getting the best Low Cost Medical Insurance is what comparing Medical Insurance online is all about. You want to know you are getting the best possible care available.

When individuals are looking to start a quest in comparison Low Cost Insurance then they should definitely consider beginning their quest with the Internet. It is no secret that the Internet will offer them the perfect outlet with the information that they will need to find the right answers to complete this task.

Through the use of the Internet, a variety of Medical Insurance Companies can be accessed at one time in which an individual can compare the quotes of Low Cost Health Insurance. This process would have been incredibly long without the use of the Internet, but with the aid of the Internet this entire process has been made much easier with the simple click of your mouse.

Using the Internet does help individuals to save precious time that would be used to do other things including looking for Low Cost Health Insurance. Luckily, several Medial Insurance Companies now have their own websites where individuals have the ability to ask questions relating to health care as well as get health quotes instantly.

Having the ability to talk to someone at one of these Medical Insurance websites twenty-four hours a day can be beneficial to any individual searching for health insurance. However, many individuals fail to see that even though the benefits may be the same from various quotes the prices are often very different.

By comparing Low Cost Health Insurance individuals are sure to get a much better price on their Medical Insurance. By collecting health insurance quotes personally, which means traveling from insurance firm to insurance firm, individuals will consume quite a lot of their valuable time.

The various rates from Medical Insurance Companies can also be given to you by your family and friends who also have Low Cost Health Insurance. Once you have taken the time to compare quotes from various Medical Insurance Companies, then it is time to make your final decision, but a number of things must have considered prior to making this vital decision.

Begin by comparing the various Low Cost Health Insurance quotes that you have collected during your research. You will want a plan that meets your needs and that you can afford. Things that might need to be considered are your habits, age, lifestyle, and your future.

Purchasing Medical Insurance for an entire family can be an expensive expenditure, but you need to be sure that the needs of each family member are met. However, the healthier you and your family are, …

Jan
28

Car Insurance – An Explanation of UK Third Party Motor Insurance

Third party car insurance offers you cover for any claim made against you, your driver if somebody else was driving or the registered owner of the vehicle. The road traffic act specifics that you are required to have a certain minimum amount of cover. All UK car insurance policies providing "third party cover" or more, will provide greater protection than the law requires. Whether you just have "third party only", "third party fire and theft" or "comprehensive" you will have this section.

If you are to blame for causing an accident your insurer will pay for all sums of money that are awarded to those people (the third party) that you have killed or injured, or whose property you have damaged etc. This includes any legal costs incurred by either the victim's or your own attorneys.

This whole question of third party cover becomes somewhat more complex when you are a passenger in your own vehicle and it is being driven by someone else. Provided that the driver is allowed to drive it, then it is the other person who is protected by this part of the policy and not you. Your insurance policy will list those who are insured to drive the vehicle, for example, named drivers, passengers, employer. Thus if you, as the passenger, were to be injured owed to the bad driving of the person driving your car, you have the legal right to claim compensation from the driver. Thus, in this situation, your third party insurance policy would 'indemnify' the driver, not you. You would end up claiming (and almost certainly winning) damages from the driver on your own third party policy. Do not forget that this works both ways. In the above scenario if the driver were killed or injured while driving on your policy then there would be no liability on your insurance company.

Sadly, immaterial of who was behind the wheel, you can not claim for accident damage to your vehicle under this section.

If a thief takes your car and causes an accident (an all too often occurrence) this part of the policy will protect you, as the vehicle's owner, against any claim for injury or damage caused by the thief. This seems so unfair – after all it was the thief who was to blame, yet we'll lose our no-claims bonus because of something totally out of our control. Remember, we are concerned here with the law. The intention is to make sure that we can compensate innocent victims who suffer damage to their property or physical injury caused by a stolen car. Which car thief has the money to pay for such damage? That it is feasible, in actuality, for the victim to claim against your policy. …

Jan
27

Earn Money From A Premium Rate Number – An Easy Way To Become Rich

This article will explain how you can make money by using premium rate number services. The article gives tips on how to promote your services fast and start generating revenues quickly. Premium Rate number services have been used by service operators to offer specialized services to consumers and generate revenues. In the United Kingdom there are many service providers who offer premium rate number services and charge per minute for the services used. The service operators can charge £1.50 per minute for the services used.

Now let us try to understand how we can earn money from Premium Rate Number services. You need to decide on the kind of service that you want to offer to your customers. It can be anything from horoscopes to horse racing tips and from joke lines to adult recorded stories. The other services that can be offered to customers include technical support for hardware and software, virtual chat lines and many more.

It is important that you verify the contents of your services before offering , otherwise there is a chance that ICSTIS may initiate an investigation against you, if they feel your content violates any of the regulations that governs premium rate services.

Now the next question that we may have is what is the earning potential from premium rate services. The earning potential is substantial. You can earn £120 per day if you offer quality services. If you have a recorded story line which pays you £0.85 per day with an average holding time of 6.5 minutes you can make £5.5 per call. On an average if the service gets 30 calls per day the earning potential stands at £165.75. Annually the earning potential stands at £60000. This is by no means a small amount considering the time and effort that needs to be given to the business.

You can also make money from Premium Rate SMS service. The earning potential is even more in SMS services because once customer asks for a service, messages can be sent at intervals until there is a stop message received from the customer. If the services are charged at £0.60 per message and 6 messages are sent out to one customer then the earning potential stands at £3.60 per day per customer.

If you have a subscriber base of 30 customers the revenue generated can be £108 per day. Annually the revenue works out to approximately £39000. This may look less in comparison with the Premium Rate Call service statistics mentioned above but the popularity of messaging services can generate more revenues than call services.

You need to advertise your services effectively to build a successful Premium Rate Number business and print media has been the proven medium. The advertisements are costly but do give more return on the investments made. Websites are also proving to be an effective medium to advertise services.

They are cost effective and if you advertise your services in a high traffic website, chances are that you can make your …

Jan
26

Florida Health Insurance

Florida health insurance refers to insurance offered by health insurance companies for the residents of Florida. The insurance provider may be a government agency or a private organization. According to the plan chosen, the insurer pays the medical costs of the insured if the insured becomes sick due to covered causes, or due to accidents.

Florida heath insurance companies mainly offer two types of insurance – indemnity plans and managed care plans. With indemnity plans, the insurer reimburses the insured for medical expenses no matter who provides the service. The indemnity category includes three different plans, which include reimbursement of actual charges, reimbursement of a percent of the actual charges, and indemnity. With the first plan, the insurance provider will reimburse for the total cost of the service, the second plan covers a percentage, while the indemnity will cover a definite amount daily for a specified number of days.

There are mainly three types of managed care plans – HMOs (Health Maintenance Organizations), PPOs (Preferred Provider Organizations), and POSs (Point of Service plans). According to the HMO plan, the insured has to pay a flat monthly rate. PPOs are paid on a service-by-service basis. PPOs are usually sponsored by insurance companies or employers who reimburse the insured for the service. In a POS plan the insured pays a small co-payment as long as the service provider is a part of the network.

The rates for Florida health insurance vary from one insurance company to another. It is advisable to compare various insurance providers before selecting any particular health insurance plan. Most of the insurance companies also offer online insurance quotes. This helps the customers to select the ideal insurance policy that suits them the best.…

Jan
25

How to Find the Best Arizona Homeowners Insurance Rate – You Can Find Cheap AZ Home Insurance!

Finding the best Arizona homeowners insurance rates has never been easier. This southern state that according to the United States Census Bureau has approximately 6 million people has many home insurance companies offering their services to customers in the market. In the following article you will be able to understand the Arizona home insurance industry a little better and see the many ways in which you save money on your Arizona home insurance.

Arizona Home Insurance Rates

Before you determine which would be a good rate if you live in the state of Arizona it is important to know how much the people around you are paying for home insurance. People in Arizona rank 38 out of the 50 states in the United States when it comes to home insurance and average promotions, meaning that people in this state are in the lower rankings of home insurance rates.

According to a survey made by the National Association of Insurance Commissioners, in the year 2005 the people of Arizona spent an average of $ 635 when it came to home insurance policies. Keep in mind that the national average for a home insurance premium was an estimated $ 764. Although people in Arizona are below the national average there is more that they can do if they want cheap rates.

Shop Around To Find The Best Arizona Homeowners Insurance Rates

The most important thing in order to find cheap homeowners insurance rates in the state of Arizona is to shop around thoroughly. There are many ways in which you can shop around, but in this article we are going to discuss the two main ways people can find cheap insurance in today's market.

The first way involves you looking in your local yellow pages for home insurance companies in your local area. Once you find a few of them then you can go ahead and visit them personally. The good thing about doing this in person is that you will be able to see the company work as it is. Once you get in the local insurance agency you will be able to tell how knowledgeable the agent is about the industry. Ask the agent any questions you may have about the home insurance industry and see how well his customer service is. You can also ask him about the company's history and financial ratios which are very important in determining the company's future.

The second way in which you can check to shop around involves the use of a computer and the Internet. Nowadays most companies offer their website pages to customers that desire to get a quote or simply know more about them. If you shop for AZ home insurance online make sure you visit enough Arizona home insurance company websites and get quotes from each one. This will help you compare between them and see which one is best for you. You can also lean towards online comparison websites. What these websites offer is more quotes from dozens …

Jan
24

Fundamental Lessons Necessary for Making Money Online

There are many people searching the internet for that one program that will enable them to make money online. Many have lost their money in worthless scams, many have lost their money in programs which jargon was too difficult to understand. People need to be able to recognize a program worthy of their time and money.

What's important is the fact that you need basic fundamentals to become successful at making money online. Most online training courses are not complete or their language is not for the layperson. Computer jargon can be difficult to master. Once you figure out what they're trying to say, then you have to piece it all together to start making money online.

The majority of the people searching for ways to make money online fall in the newbie category. Online training courses should step up and effectively describe the fundamentals in extreme detail. Hands on projects should be included to teach the different strategies, such as exploring for niche products or how to generate a keyword list. Reading about it is one thing, but actually doing it and understanding what you just did is another. The course should also be affordable so more people can partake in a training that could one day give them the lifestyle they have always dreamed of.

The fundamentals you need to learn include finding top niche products, how to generate traffic, affiliate marketing, creating your own website, types of hosting, blogging, importance of keywords, creating your own product, content, search engines, PPC advertising, article writing . There is a ton of information out there that can be overwhelming and cause people to be confused and not know where to start. The key to remember is to start out slow. Start by using free methods until you start generating a profit. Once you start seeing some income, re-invest those profits into your business and then you can make it grow a little easier and faster. You will have to put in some work, but it will be well worth it in the end an you will be making money online.

Do not pick a program that only offers one aspect of internet marketing. Be patient and allow yourself some time to learn and understand the secrets to make money online. Do yourself a favor and invest in a complete online training course that will teach you the fundamentals you need from the beginning and to the end. Make sure the program also offers technical support at all times. Work smart and play hard. …

Jan
24

The Internet Business Journey

Where to start? Which business to choose? What direction to take? These are all the questions flooding through my mind as I decided to embark on the online business journey. It is not unfamiliar to experience doubts, tension and speculation about the various companies currently marketed online today as many make promises they can not keep.

It is like the ongoing reference of making millions in 24 hours with no effort. Realistically no one can make millions without any effort involved. Many online businesses promise consumers a get rich quick scheme that details the affiliate having to provide little effort and receive large responsibilities. Through experimenting and falling into the trap myself I experienced very little, if any, responsibilities from such companies and lost a large amount of money in the process.

Soon enough I learn that working from home can be accomplished however it involves participating within the right businesses and communicating with the right mentors. Having a sponsor available to help you every step of the way within building your online business is crucial if you want to succeed. A sponsor can not only provide advice on how to market your consumers, however more often than not they have experienced the internet business for longer and have the knowledge to direct you in making the right decisions for the long term. This is important because if you are really interested in working from home you will want to make decisions and investments for the long run in order to experience the financial freedom one dreams about.

Discipline, Attitude and Effort are the three hits that are essential in creating a business that will succeed. You do NOT want to go spending money left, right and center because you believe it will bring you more prospects. You do NOT want to possess a negative attitude and simply believe that working from home is not possible or that you will never achieve financial freedom.

Lastly you do NOT want to start out in this business with the idea that it takes little effort to achieve large results. Yes there will be sponsors, mentors and programs available to help you and reduce some effort within your online business; however it is through your time management, your 100% effort and your willingness to succeed that will truly define your career path. If you undertake your business properly consumers will come to you.

You should not have to seek or hunt down consumers or people to invest in your business. "The aim of marketing is to know and understand the customer so well the product or service fits him and sells itself". (Peter F. Drucker 1909, American Management Consultant). This quote is very important. Read it again and again until you fully realize the significance. For your business to reach its full potential your product or service must meet the consumers needs or desires and accordingly the prospects or leads will come to you.

But in order to start an online business in …

Jan
23

Assurant Life Health Insurance Products

Assurant Life is a nationwide health insurance provider operating in the individual, family and small group marketplace. They are best known for their consumer health coverage. Assurant offers several health packages to choose from with varying benefits, deductibles, and coinsurance options.

Plan Descriptions

Benefits offered will vary depending on the state where the prospective insured resides. In most states, two health savings account plans and three traditional plans are offered.

High deductible, catastrophic plans are very affordable for consumers on a tight budget. Additionally, monthly rates will be locked in for two years when a high deductible plan is selected. The SaveRight PPO HSA and the RightStart PPO are good choices for those who want basic coverage at a competitive price.

The MaxPlan, CoreMed Plan and One Deductible PPO HSA are better options for those who desire more comprehensive coverage. Naturally, these three plans are more expensive, but will offer comprehensive coverage should the insured have a claim. Doctor’s office co-payments and prescription drug coverage are offered with the MaxPlan and CoreMed Plan. Consumers also have several benefit options available including preventive care, dental and vision coverage, first dollar accident benefits, and/or a rx drug discount card.

Maternity Coverage

A competitive niche for Assurant Life is their maternity plans. Consumers can select a maternity specific deductible ranging from $1,000 to $10,000 (with most plans in most states). The deductible will not be subject to the overall health insurance deductible. This way, the insured can tailor the medical coverage to fit their needs.

The waiting period to conceive is only three months in most states. This is very reasonable wait when compared to coverage offered from most other carriers. Like all health insurance companies, this rider cannot be purchased if the proposed insured is already pregnant.

Health Network Options

Assurant is also unique in how the networks are structured. Typically, consumers can select from four or five networks in their state. Some networks are nationwide while others are regional. With several to choose from, it is not difficult to find a network that includes a desired doctor or hospital. Additionally, clients can change networks while the policy is in force. This is advantageous for those who are moving from state to state or need the services of a new doctor or hospital.

In summary, Assurant is a reputable health carrier offering both catastrophic and comprehensive plans to the public. Those who desire maternity coverage and/or robust network options should consider their offerings. Working through an experienced agent, consumers can enroll in a suitable plan for themselves, their family, or their small business.…