What Makes Horse Riding Different From Any Other Sport?

August 24, 2016

So, what’s the big deal with horse riding? Why do so many claim that it is so much different from any other sport? If you’ve never ridden or been around horses, questions like these are probably running through your mind. Don’t worry, you are not alone.Read on to find out what you have been missing… There’s Just Something About Working With a Horse:
Perhaps the best part of horse riding is the interaction that the rider has with his or her horse. Unlike spending time with a cat or a dog, interacting with a horse tends to feel very different; when people are riding they get the distinct feeling that this is not their pet, but instead their partner.

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Also, the fact that we build these partnerships with an animal that is undoubtedly much bigger and stronger than we are can be intimidating at first, but then becomes just another wonderful aspect of the sport.In fact, the teamwork aspect of riding a horse plays a significant role in making this sport so different. In addition to having to work with their horse, riders have to have a positive relationship with a variety of individuals that help both them and their horses moving forward, an aspect of the sport that brings us to the next unique characteristic about horse riding. Teamwork Is The Name of The Game:
While mainstream sports also require teamwork, horse riding could be considered to require the most teamwork of any sport out there. Although riding per se is not usually a team sport, as most riders compete individually, the amount of people it takes to keep a horse healthy and ready for competition is astounding. Most riders will have a farrier, vet, barn owner, and trainer to work with in order to keep their horse in the best shape possible and riders are also especially concerned about pampering and keeping their horses happy, too. For this reason, horse riding creates a unique team atmosphere. Not Just a Sport:
For most riders, the experience isn’t just about participating in the sport, winning competitions or getting the job done. The majority of horse riders end up spending numerous hours at the barn or stables; a rider’s relationship with his or her horse is often significant.

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When it comes to trying to demystify the lure of horse riding, a rider’s relationship with their horse is the biggest difference between horse riding and other sports.Last, but not least, the sport of horse riding is surrounded by a strong community of individuals that share the same passion. For this reason, the sport of horse riding has a supportive and unique atmosphere that welcomes anyone, young or old, looking to get started in the sport.

School Security – Reviewing Your Options

September 26, 2016

University, College and School SecurityFirst, our heart goes out to the family, friends and my niece at Virginia Tech.Consultant vs. SalespersonWhen you have a security related problem, where do you go for answers? Many people turn to a security salesperson. This salesperson may offer a service like security guards or a product like security alarms. To receive total security protection, it is best to speak with a security consultant and not a security salesperson. A consultant can advise you in all areas, where a salesperson can only advise you on products or services their company offers.ConsultantA security consultant is a person trained in many areas from communications to alarms. They can review, advise and provide solutions to many problems. If you have a security problem, you first need to speak with a security expert. After you receive options, then you can seek out a security salesperson that meets your requirements. Never go to a salesperson first. This is where 99% of the public makes a mistake. If you want to buy a car, would you talk with a tire salesperson?A consultant will visit your location, conduct a detailed inspection and create a full report on their findings. Such a report might include things like employee habits, ease of access, landscaping problems, communication weakness, visual needs, and much more.To get the full picture of your security needs and solutions to correct problems, you need an expert in many areas. A security consultant can provide you with options and sources to meet your requirements.Consultants may also review details like placement of camera’s, types and needs for lighting or security film on glass. They can also review things like emails related to threats, student interaction and area warning systems.A consultant will promote their background and your needs in all areas, where a salesperson will only promote their product or service as related to one or two areas.Salespeople are Not ConsultantsSecurity SalespersonA security salesperson is a person which offers a product or service that their company sells. Many times, this is the extent of their job. Some salespeople are just starting in the business and lack the knowledge. Some salespeople have been in the business and have a limited amount of knowledge. Then you may encounter the expert salesperson. This type of salesperson will make you think that their product or service will be the answer to all your problems.Now, we do not want to put down security salespeople, as they do play a major part in the security industry. You as the customer need to understand that a security salesperson may only be able to talk about their product or service. Many states have different requirements for consultants and security salespeople. Ask to see your salesperson’s state security id. If the id says consultant and sales, then they can consult. If it just says sales, then they can just sell.There is no single solution to security at a location. No salesperson should ever advise a customer that their product or service will cure all. Just because you were sold camera’s does not mean a person can not break in a window. Just because you were sold an alarm system does not mean your student’s cars will not be damaged. For good security, you need to look in all directions, not just one or two.There are more security salespeople than are security consultants. Many salespeople try to act like a consultant, but a consultant will not act like a salesperson. A salesperson will sometimes be given a basic level of training, where a consultant may receive years of training in many subjects. A security consultant is many times former military or a former police officer. A security salesperson could have been a golf pro the day before. I have seen all types.Before you risk lives and property, you need to check out your security advisor. Ask your local police department to review the advice given by your security expert. Most of all, understand that good security will require several solutions.Good Luck!P.S.Yes, there is a former golf pro out there selling electronic security system to business sites in our area. So just because they sell it, does not mean they know it. Check them out and forget the business BS they feed you at times.Human ErrorWho is watching? You may have camera’s or guards protecting your site. One of the biggest problems with security is human error. People tend to sleep on the job, play on the job, look the other way or even think an event is not important enough to report. This is wrong and should be corrected.Lives and property are protected by people that make just above a basic wage. Many of these people have limited education and skills. Many of these people do not care about you, your people or your property. Face the facts, these people are there for the paycheck and that’s it.Do you know what a real security expert makes per year? A real security expert makes on the average over $100,000 a year. A real security expert will use their former training to protect you and your property. A security guard makes on the average about $8 per hour or about $8,000 per year. They will use their one day training to protect you and your property.

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Which would you rather have protecting you and your property? Why would you cut cost to protect lives so important to others? Real security will cost. There is an old saying; “You get what you paid for”.ProtectionThe best level of security you can have is to hire off duty police officers to work at or patrol your location. An off duty officer still has full arrest powers and knows how to handle many types of problems. Speak with your local police department for more information.The next option you have is to hire Conservers of the Peace (COP). These are special police officers approved by the court system in your area. The officer has full arrest powers, but is limited to covering a single area. This area can be your site or even a city block.You could use armed security officers. These officers have limited arrest powers. They may be able to arrest if; (a) on your site only, (b) with owners permission, (c) with security company’s permission, (d) approved by the state. This option puts great risk on the property owner for legal damages if things go wrong.Last option is to use an unarmed security officer. This is the worst thing you can do if you are looking for security. An unarmed security officer is acting as a regular person. Many state do not allow them to make an arrest. They are good only for id checks, to open a door or to give someone directions. Many companies will use unarmed security guards because they are cheap. Then the company will complain when they have security related problems. You get what you pay for!Related ProblemsSecurity related problems may include: Lazy people, Sleeping on the job, Looking the other way, Failure to report all events, Tampering with equipment, Stealing from property owners, Giving out secure information, Thinking it’s a joke, Failure to follow SOP, Leaving the site without approval, Unprofessional toward employee’s and guest and much more.GuardsSecurity company’s will enter into a contract with a business or site. The contract may require people to sit at the site and monitor events. The contract does not state how much training a person needs. It does not state how long a person has been in the industry. It does not state how much sleep the person got the night before working. Because many security contracts do not reflect these areas, a security company will put just about anyone on the site.I have seen security guards be interviewed on the spot, be given a reading test, handed a uniform that did not fit and placed on a site to work that night. The security company’s only requirement is to keep the proper number of bodies on a site. They could care less if the person knew anything or not. It’s business and profits to them.If you contract or hire guards, you need to test them. Once a month, you should have someone unknown to them, try to get past the guards and then follow the trail. Did the guard stop the person? Did the guard report the events? Were the proper people notified? Test like this can help imporve your security and force guards to become ready for a real event.Another method you need to use is monitoring. You need to link any camera’s to a private location. This can be your office or the internet. Once every few days, look in on the camera images and then call a guard. Tell them they did a good job checking an id or let them know you were watching and just wanted to say they were doing a good job. This does two things for you. One thing it does is let the guards know you are watching them and the other thing it does is lets them know they are doing things right.Last thing you should do is watch the outside of your building. Many guards think they are out of camera view and will try to do things they should not do. Some will go to their vehicle and sleep, some will meet a friend outside and chat for an hour or so. Other will try to sneak things out or into the building. Watching outside once a week will let you know what is really going on at your location.One company I know had a problem with missing laptops. They advised the guards to check each person with a laptop to see if they had approval to remove it from the building. After a week, the guards relaxed on their duties. The owner then had someone enter the building, pack up all the laptops on one floor and hide them inside the building. When the guards checked the floor, they noticed all the laptops were gone. The owner then advised he was the one whom hid the laptops to prove a point. After that event, there were no more missing laptops. Sometimes you have to scare the guards into doing their job.InstallersYou may be having an alarm or camera system installed. Do you know if the installer is legal? Many company’s fail to check out their installers. They think the security company has done their job and the person is ok. This is the wrong way to think. This is your building, your security or camera system, your protection against crime, why would you not check out everyone.The state and federal agencies check out everyone connected to the installation or service of their security equipment. They look at the company, the salesperson all the way down to the person pulling the wire. You should do the same thing.When it comes to a security equipment installer, many installers must pass a background check conducted by the state. Once a person is approved by the state to install security equipment, the state will issue them a security id. The installer is required to carry the id anytime they are installing.As the property owner, you can check out to see if the installer is legal or not by asking to see their state security id. They are required by law in many states to show the id when requested by the property owner. If they refuse or give you some lame excuse, then call the police. A police officer can check to see if the person is approved by the state to install security equipment.Now, you may say “Why do I need to check their id?”. Some companies will use unlicensed or unregistrated people to install systems when the workload is high. Others will use illegal contractors to cut cost. Giving out secure information or information related to a customer’s security system, to an unapproved person is against the law in many states.This shady person can get your security code, learn placement of devices, learn when you are there and much more. They may return later to clean you out. Always check to see if the installers are legal. Do not trust the security company’s word. I have seen some top security companies use illegal contractors to install security equipment.The ReviewThe first thing you should do is walk off your property about 20 feet. Turn around and look. You need to make notes as to what you see. Are there trees blocking the view from a police car driving by the site? Are there items laying around that can be used as weapon? Is all the lighting working? What else do you see wrong?Doing things like this is called a security check. This should be done once a week. Keep records of any changes made by your staff.You can start with adjusting shrubs and trees. This is one of the biggest problems. People hide behind them, they have done this for 50 years and will continue to do so in years to come. Do not help them out. Never install a high shrub fence near a doorway. Keep all tree branch’s about 10 feet away from the building.Pick up any items laying around. Have all ladders stored away and secured after being used.Wait until dark and check all outside lights. Look for dark areas near the building and any parking areas. If using camera’s, you may want to install IR spotlights.You want to look at the windows and doors. Are there broken windows? Are doors left open? Are people holding doors open for others? Have locks been improved and are they being used? Is there security film on the windows or glass areas?Look at the parking area. How far does one have to walk to get to their vehicle? Do security officers walk people to their car? Do you offer a mobile security patrol unit to tour the outside of the building?Do you need to install barriers to direct vehilce or human traffic in another direction.Hidden CamerasAre there strange people sitting around outside watching your building? Are there people using video cameras?Have you conducted a RF video sweep for hidden cameras. Visitor’s and students can install hidden video cameras inside your school and learn when you enter an area. Some students install or even wear hidden cameras to record illegal images of women undressing. Do the sweep, you may be surprised at what you find.A simple wireless video receiver is connected to a small handheld monitor. Walk to an area and tune the receiver from one end to the other, very slowly. Watch the monitor to see if you get a picture. If you get a picture, then use the image to id the location. Do not remove the camera. Wait to see who goes to check the camera. That should be the person whom installed it. Once you id the installer, then you can contact the police.Monitor internet traffic at your school. Many people know about the internet, but there are only a few of us whom remember the newsgroups on the back of the internet. Some students will post threats and other information on these newsgroups. Have your computer expert install a keyword monitoring system. This will alret you when special keywords are used on your computers.Threats by CellphoneStudents have turned to making threats by cellphones. This can be a threat toward another student or to the school. Place signs up that restrict cellphone use while on school property or during main school hours. Talk with students about getting threats by cellphone, let them know you are there to help.There are so many areas outside of a building, that relate to security. Speak with a security consultant for advice.EquipmentThe list of equipment that can be used is very long. On the outside you can install IR Beams to alert you of people walking near a building or use hidden microphone’s to hear someone walking across the grass. You can use motion activated camera’s to see movement or install thermo sensors to pick up a person’s body heat.

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You can look at the option of driveway sensors, air pressure sensors, contact sensors under door mats, grounding sensors on handrails and even use sensors that detect body odor.For the inside, you have camera’s, door contacts, card readers, bio sensors, pressure mats, glass breaks, microphone’s, heat sensors, changing air pressure sensors, motion sensors, IR beams, microwave sensors, RF sensors and many more.Think FirstA security consultant can review your site and provide you with options. We have listed just a few things that may improve security at your school. Each location is different and should be reviewed on it’s own merit. Once you have the list of corrections that are needed, you can then contact a security salesperson in that field.Other areas to consider are computer security, area horns, paging systems, panic button keychains for insturctors, RF taging system for instructors and students location while on the property, cellphone 211 notification system, emergency locking system for inside doors, able to lock classroom doors, security doors or safe rooms, classroom emergency phone system, microphone’s in classroom ceiling, outside emergency video patch for police.You may also want to use an RF remote command control center. This is a wireless unit worn on the arm or held in your hand. You can open doors, view camera’s, lock out card readers, lock doors and more, all from up to 1/4 mile away from the site. It is a system used in some jails to take back control of a command center if taken over by inmates.Always look into and report any person or students that you consider a threat to others. Set up your own security team. Update your SOP to meet today’s students and technology. Spend the money for a consultant. They may save you money in the end. No site, not even a jail is 100% secure. You can only do your best and that is all anyone will ever ask of you. Do not go the cheap route, it may cost someone their life.Read more at http://www.securitytoday.netAbout MeI just wanted to share some of my knowledge with everyone and hope you have learned something. I write a weekly magazine at http://www.securitytoday.net for anyone interested in learning more.Over 15 years in the sales, design, install and service of electronic systems. Background in secure communications, electronic security systems, cctv, matv, card access, fiber optics, Bio systems, fire, professional audio/ video, gate controls, wireless devices, RF uplink/downlink and more.Most recent major position was to repair security systems for 40 locations to include a bridge and 2 tunnels damaged by the attacks of 9/11 in NY/NJ. I was picked out of over 10,000 people for the contract due to high skill level in many areas. This contract was funded by an emergency act of Congress. I then worked to design a new electronic security system to withstand future attacks.I provided supporting design for a $10 million electronic security proposal for British Airways property at JFK airport.I was requested to sit in on the first phase for the restructure of nationwide airport electronic security, under a new TSA contract with Lockheed Martin in Virginia, USA.I have been a major installer on high security jails in Virginia.I have built a broadcast station for the US President at a military post and linked it back to the White House.I installed a broadcast TV station for the US Coast Guard in NC, USA.I was former communications coordinator for World Cup Soccer ’94 in Florida and before that I was a Secure Communications Expert with the US Army, teaching and repairing major communication systems.I have several awards from the US Pentagon and the military for new inventions.I am willing to work under contract with your site to review your need of electronic system improvements.I am CEO of Young Media Group, LLC and produce several publications and video’s related to the electronic security industry and music industry.Visit www.securitytoday.net or www.youngmediagroup.net [http://www.youngmediagroup.net]

First Things for Small Business Event Marketing

August 31, 2016

In the beginning, we have an idea. The idea is an event where people can come together and trade, grow their network, and live outside of normal routines for just a few hours. The event is birthed and excitement builds quickly. Visions of a crowd smiling are everywhere.The beginning is a critical time. We are motivated and moved to make something happen. Without question, this is the time to put together a few major pieces that will make the event process move smoothly. If done quickly, it can make the event better or more realistic for the hosts. These items are 1) defining the objective of the event, 2) who is going to make it happen, the decision maker/lead of the event, 3) what is it going to take to be a great event?The objective of the event is often a large contributor to a few key ingredients. Objective defines what the event is supposed to do. It sets the foundation for the type of event it is to be, and lastly is the main guide towards the theme. Without an objective, the event may not get off the ground, rolling aimlessly towards a date without any real enthusiastic motivation behind it. Objective defines purpose. Purpose creates drive. The theme of the event puts a face to it, an image that will be memorable to prospects.Who is going to make the event happen? In a small business, it is either a hired event planner/marketer, an internal manager, or the owner. Each one has positives and negatives to lead the event to success. A person who can lead, is organized, creative, people oriented, resilient, and patient is the best person to lead the show. These qualities might not be all in one person, but can be had in a small team. Possibly everyone mentioned before is involved.

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The leader of the event will often use a committee or team to get all the work done. A small event can be done with one to three people. A large event could take a platoon of people who like to throw parties.The person who makes it all happen is a very important part of the event. Without someone to herd cats, be Keeper of the Event Plan, and be Event Therapist, the event might be lackluster. The event may fizzle or explode before the day of the show.An event planner/manager/marketer is a keystone for a great event. I have seen many small events do well with someone with basic skills. Being able to put details together by using a guide found online is very helpful. It keeps things on track. Time frames and tasks are often laid out together, making things much easier.The larger the event, the larger the skill set of the decision maker of the event. Experienced event planners and marketers can provide valuable consulting, if not be the main coordinator of the event.Defining what it is going to take to be a great event is an important answer to get. Three common factors of any event are time, money, and energy. Being able to balance the three and be able to achieve the objective is what makes a great event. (Obviously ‘great’ can be defined in many ways. If the objective is met, no money problems at hand, and no one was hurt, it was a good event.)There is only so much of any of time, money, and energy. The objective of the event, and the anticipated results of the event, will decide how much of each will occur. In relation to time, asking how long will it take to get everything done and promotions at their maximum appeal is what time is all about. Is this a big event that happens every year? Is this a test run for other events down the road? And other questions help plan when things occur, which is also a function of energy.The energy required to have a great event is defined by the objective, quantity of staffing for execution, and anticipated size of the event. How much one person can put into any event is limited. Larger events take more people. Simply put, the amount of energy that can be expended is directly related to the budget, or how much money is reasonable to make the event a success.Small businesses do not have bottomless accounts to throw large parties. An event being funded by small businesses has to see a payoff and be done within a reasonable budget. Spending too much money on staff, not enough on marketing, and more are weighted decisions that guide finding balance in the area of money.

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Looking at the objective, the amount of payoff can be calculated. Whether the event is a concert in the park or customer appreciation day at the store, cash flow can be discussed. If the event has a history, budgeting is easier. For a first time event, budgeting is difficult because cash flow can be estimated within ten percent at best. More often the margin error is larger. Expenses are the most determinable line items.Revenues from the event can be the day of the show only, like a concert. A one time event that generates money from merchandise, concessions, ticket sales and more. One day, and it is time for recovering.Revenues can be a long term objective related to brand awareness, like customer appreciation days every first Friday of the month. An ongoing event that is proven to attract a percentage of customers over a regular day is a good thing. If I know I can go to Smith Farm Supply and get a burger, I’ll likely stop by, eat, and get the things I need.When you hatch your idea, take the time to make immediate notes on how the event will occur. These notes will guide you. They will help you understand what you were thinking at the time. Too often have I lost those thoughts because they were not written down.Taking the time to pay attention to the initial parts of an event being planned will alleviate problems later.

Consumer Credit Services

August 12, 2016

It isn’t surprising that consumer credit services are a booming business today. The credit card industry along with a strong economy for a number of years made overuse of unsecured credit all to enticing form most people. With an economic downturn now full-blown, most are reeling under massive financial debt. Consumer credit services are capitalizing on people’s need to get out of debt.Consumer credit services can help to facilitate the process of eliminating debt in a number of ways. For the person, who is still in control of his or her finances, there are services that help in future planning and budgeting, and are just educational in general. Beyond that, and for the people who are beginning to lose control, there is credit counseling along with debt consolidation. These consumer credit services work very well for the consumer who has yet to start missing payments or has fallen somewhat behind. Debt consolidation without the necessity of a loan works very well for those with smaller debt, but who are behind. For those with assets like a home or other property, they may find it necessary to obtain a secured loan using that property as collateral. While it is one way to pay off one set of debts, it certainly doesn’t get rid of debt completely.

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Other options in consumer credit services such as debt settlement, debt management, and bankruptcy are more drastic measures, but each does work. Bankruptcy, while claiming to be a fresh start with all bills erased, no longer works that way. The consumer can often end up losing assets and still paying off some creditors. Both debt settlement and debt management work without the necessity of loans or loss of property. By working with a consumer credit service known as a debt resolution company, professional negotiators work with the consumer’s creditors and the principles are reduced. At times, this can be as much as 50% off the original balance. The consumer pays monthly into an insured account. Money from the account is used to pay off creditors. With even the most sensible monthly plan, a consumer can be free of debt in 12 to 48 months at the most.

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Consumer credit services are found everywhere these days, and the consumer has to be aware that many of them are not what they seem. Checking credentials, certifications and references is paramount to working with one that will have a good and complete program.

Womens Health – The Secret Behind Good Health

October 22, 2016

Maintaining good health is important for women as they have to do many activities in the daily life. Lots of women have been suffering from many types of Womens Health related problems due to the lack of essential vitamins and minerals in the body. Vitamins are very important and essential ingredients for the body because the help the body organs function properly and due to this reason they need to keep themselves in a good health. Good quality vitamins help the women in slowing ageing process, strengthen the immune system, improve the energy levels and also support the hormones. But before looking for vitamins, a medical consultation is very essential as the medical professional will be able too find out the most suitable vitamins as per the body formation and functionality of vital organs.

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Physicians can provide better guidance when it comes to the Womens Health care as lots of studies in the medical field have proven that the body of women needs lots of anti ageing substances which are natural and provide specific benefits to their health. Fresh fruits and vegetables always help in supplementing for the vitamins and minerals required for the body. Apart from vitamins and minerals, women also require nutrients like amino acid, antioxidants and so on.Nutrients are important for both the genders but some nutrients are specially required for Womens Health because they are much important in balancing their female hormones. It is a fact that the women who are between 25 and 45 years of age need extra bit of care for the maintenance of their good health. Osteoporosis is a significant situation in women which begins when they attain 30 years of age so a diet of calcium and magnesium supplements and other necessary nutrients regularly are specially recommended to those who attain the age of 40.

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It’s important for the Womens to give proper care to their health and get the regular checkup done to keep them fit and disease free.

Financial Planning – A Road Map to a Secure Financial Future

August 31, 2016

Would you leave on a trip to a new destination without a map? What if your destination is a successful financial future? Without a map, would you know how to get there?Financial planning provides a road map for your financial life. It can make the journey less stressful, more fun, and more successful. And, you can start right now – even if only a few steps at a time.In today’s uncertain economy, financial planning has become increasingly important. With an overwhelming number of options for saving and investing, managing your finances can be difficult. Creating a financial plan helps you see the big picture and set long and short-term life goals, a crucial step in mapping out your financial future. When you have a strategy and a financial plan, it’s easier to make financial decisions and stay on track to meet your goals. Working with a CFP CM professional can secure your financial wellbeing and give you peace of mind and help you reach financial planning success.Some people decide to do their own financial planning, but you may want to seek help from a Certified Financial Planner CM professional if you:Want to better manage your finances, but aren’t sure where to start.
Don’t have time to do your own financial planning.
Want a professional opinion about the plan you’ve developed.
Don’t have sufficient expertise in certain areas such as investments, insurance, taxes or retirement planning.
Have an immediate need or unexpected life event.

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Destination: Setting Goals
Financial planning starts with setting goals. After all, you need to know where you want to go before you can decide how to get there. Your goals can be short-term – for example, paying a credit card debt in six months; medium-term – such as saving for a down payment on a house in two years; or long-term – such as sending your kids to college in 15 years or your retirement. Write your goals on paper, including rupee terms and dates. Keep the list in sight so you can refer to it for motivation as you keep working toward your goals.Starting Point: Where Are You Now?
Next, get a realistic picture of where you are financially. List everything you owe (liabilities) and the value of everything you own (assets). Also, track your monthly income and expenses in a notebook or on a budget form. Even if it’s not a pretty picture now, that’s OK. You’ve faced your financial situation, and financial planning will help you improve the picture.Avoiding Potholes: Insurance, Debt, Job Loss, Taxes and Estate Planning
Financial potholes will inevitably come your way – stock market downturns, recessions, losing a job, wrecking the car, paying for an illness. You may not be able to avoid these potholes, but you can minimize their financial impact. Here are a few suggestions:• Have adequate insurance. Insurance prevents financial catastrophes, so don’t put off getting it. Insure what you cannot comfortably afford to replace. For most people, that means having the following insurance: auto, renters or homeowners, liability, health, disability and life insurance (if someone depends on you financially). Take advantage of insurance offered to you at your job and supplements it with insurance you buy on your own. Shop for the best price, but make sure you buy from a reputable, financially sound insurance company.• Control debt. Having a lot of debt puts you at financial risk. If you’re spending more than you earn, start using a budget to plug spending leaks, and make paying off your credit cards a top priority.

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• Job loss. You can’t control the economy or a company layoff, but you can control how much time you invest in keeping your skills sharp and in meeting people who may help you find a job in the future.• Taxes. Computer software can help you find deductions on your tax return. However, if your financial situation is complex, you may benefit from working with a tax or financial professional who can suggest tax strategies and make sure you are getting all of the credits and deductions due to you.• Estate planning. Every adult should have these four basic documents: will, general durable power of attorney, medical power of attorney and a living will (also called a medical directive). A financial planner can guide you and refer you to an estate planning attorney to draft these documents.There are many benefits of financial planning. If any of the above questions apply to you, it may be time to call a Certified Financial Planner CM professional to help you reach your financial goals and achieve financial success.

Outdoor Activities For the Family

August 23, 2016

Spending time outdoors enjoying family activities with your children is one of the best ways to pass a day. There are fun family outdoor activities that you can take part in year round. Doing things with your children in this way offers unique opportunities to communicate and reconnect while also having fun.Planning fun family outdoor activities takes a little preparation. It’s best to talk with your family and find out which activities they would enjoy, then plan outings accordingly. Medical conditions have to be a consideration also. A child with allergies probably won’t enjoy a walk in the woods as much as the rest of the family. You have to take everything into account so the whole family enjoys the activity.

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There are quite a few outdoor activities to choose from. Here are some you might want to consider:o Boating: If you do have a family member with allergies, you might consider boating as an outdoor family activity. With boating you don’t have tree and flower allergens to deal with.o Hiking: Going for a hike is a great outdoor activity for the whole family. You can take traditional hikes in the woods of your local state parks, go to military parks and use the hike as an educational tool, or even go to botanical gardens and caves for day hikes. Hiking is an activity that you can partake in most any time of the year if your state doesn’t have bad winters. Just make sure you and your children have the appropriate clothing and gear.o Swimming: A day spent swimming at the lake is probably the ultimate fun family outdoor activity. Children love splashing around in the water, and going to the lake is usually a fairly inexpensive activity which is good for your wallet.o Fishing: Get the kids and the fishing gear together and head out to catch the big one. Fishing is a sport that everyone can enjoy. They even have pink fishing poles for little girls these days to make them more interested in the activity. Fishing offers great opportunities for reconnecting for the whole family. Sitting on the creek bank, or in the boat, waiting for the fish to bite, is the perfect time to ask about each other’s day.

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o Skiing: During the winter months the family can go skiing together. Everyone can start out on the bunny slopes together while they learn the ropes. Being on top of the mountain and looking out at the vast horizon and beauty surrounding you is one of the best feelings in the world.Those are just a few ideas to get you started. There are numerous outdoor activities that families can enjoy. Being together is the most important thing. Spending time doing fun family outdoor activities will improve relationships, develop bonds that last a lifetime, and keep everyone active. Make outdoor family activities a part of your life.

Dysfunctional Environments: What Is A Dysfunctional Environment?

November 3, 2016

When it comes to describing a dysfunctional environment, it might help us to also look at what a functional environment might look like.Functional EnvironmentA functional environment then; would be an area that is conducive to growth. Somewhere that not only supports and encourages an individual to be themselves, but also allows them to.Here, one can express who they are and feel safe doing so. Positive feelings and thoughts are also more likely to occur in this environment.Dysfunctional EnvironmentThe dysfunctional environment on the other hand would be somewhere that doesn’t allow for the above to happen. Where the individual doesn’t feel supported or acknowledged in anyway, let alone in a way that honours who they are. This might be an environment that forces one to constantly compromise their values and themselves.The word door mat comes to mind here; with boundaries being nonexistent in this environment. Feeling and thinking negatively is also something that might seem to just happen; coming on like a parasite, without reason or warning. Despair is also another common consequence from being in this type of environment.Conscious And Unconscious EnvironmentsWith both of these examples we can see that one is an environment that could be classed as conscious and the other is an environment that is the complete opposite.By this I mean that the dysfunctional environment is an environment where behaviour and the effects of that behaviour go unnoticed. The people in the environment have little, to, no awareness of their actions or to the damage, which is being carried out physically, emotionally or mentally.

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Standing UpPerhaps if one were to comment or mention how they felt to the person or persons in the environment, they might be dismissed or ignored. This of course all depends on how dysfunctional the environment is.The Frog MetaphorThis is a story that is helpful in explaining the insidious nature of the dysfunctional environment.It is about a frog that is put in a pan and is cooked so gradually that it doesn’t know or notice the difference in temperature. And after this slow rise, the frog dies. It was oblivious to what was happening and its imminent death. It became comfortable and numb to what it was experiencing.So How Does This Relate To Dysfunctional Environments?Within this environment one will notice at first that it is draining to them. However unless one takes the steps to break away or steps out of the environment so that it can be seen from another perspective, they might start to feel comfortable within this environment. With their original state of mind and aliveness; fast becoming a distant memory.Now this could be because of a gradual drip feed approach or the slow cooking approach mentioned above. It might also be because it is an environment that feels comfortable and safe to them; as absurd as this sounds. It is reminding them of their history and what hasn’t been looked at.Is This How It Is?One might have never been in a functional environment. This makes it difficult in seeing contrast and in being able to compare it to other environments in their life. One might believe that this is how life is and that there is no such thing as a ‘functional environment’ or that it’s not possible for them.HistoryWe all have our own history, some parts that are likely to bring us feelings of happiness and other parts that might cause feelings of anger or resentment. This is history that won’t just disappear; it has to be faced in some way. That could be by directly facing something or by the assistance of a therapist for example.Pulled To Our PastWe will naturally be drawn into environments that are mind unconsciously associates as being what is safe to us. These environments won’t always be places that empower or honour who we are. They will be environments that mirror the behaviours, feelings and thoughts of our childhood.AssociationsThis is because of the nature of the mind and how it gets attached and creates attachments. What was experienced as a child becomes what is familiar and safe to the ego mind; regardless of if it is functional or not. If these associations are functional and beneficial, then what will subsequently happen is one will usually end up in environments that are at least moderately healthy and functional.Unhealthy AssociationsHowever if these are associations that are not so healthy or functional; one is likely to find that they are ending up in the same environments. Environments that are disempowering and don’t reflect what they consciously want or what their heart calls for. Where their energy is being taken and no energy is being returned.The Childhood EnvironmentAbove I have mentioned about our later environments mirroring the behaviours feelings and thoughts of our childhood environment if they have not been processed.

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Common themes of those years will continue to appear and play out in our present day environments. These might be themes that our unique to us; challenges that just seem to appear over and over again.A Recent StudyI recently read about a group of rat pups that were genetically predisposed to be more fearful than other strains of rats. If these rats were left with their biological mothers, they were likely to be fearful and stressed. However after placing these rat pups with other rat mothers that were not fearful; they grew up without fear.The Power Of The EnvironmentNow these might be rats that were talking about here, but what this shows is the power of the environment in shaping how we see ourselves and in who we become.There is always talk of nature vs. nurture and on the effect genetics have on life, however through the study of epigenetic’s genes have been found to require a trigger to be activated and that trigger is the environment. It is the environment that is making the difference.Choosing Our EnvironmentsChoosing our environments and therefore the people we have in our life and spend our time with is incredibly important to our own wellbeing and in achieving our dreams.The natural tendency of our mind will be to return to what feels comfortable and to what is familiar.Who We AreWhat happened in or childhood or what has happened in our past doesn’t have to define our life or who we are. That is something we can do in each moment of our life.

Evolving Healthcare Trends

September 18, 2016

The model trends in the healthcare system have been changing over the period of time. The old trend gave importance to the individual patients and the emphasis was on treating illness. The goal of the hospitals was to do inpatient admissions, fill up the beds and more emphasis was given to acute inpatient care. The role of managers in the old paradigm was to run the organization and coordinate services. In the old system, all providers were essentially the same. The hospitals, physicians and health plans were separate and not integrated.The newer trends that evolved gave importance to the population as a whole. It not only treated illness, but emphasized on promoting the wellness of the people. The goals of the healthcare system after being transformed over the years is to provide care at all levels which is continued. The role of managers in the new paradigm is more broad. They see the market and help in quality and continued improvement. They not only run the organization, but also go beyond the organizational boundaries. In the evolving system, the providers are differentiated according to their ability. The hospitals, physicians and health plans have formed an integrated delivery system.One of the current trend in the healthcare delivery model is that continued care is emphasized. The key professionals are not only treating patients for their illness, but they are promoting and managing quality of health. For example, a patient with high cholesterol visits a doctor. He is not only given one-on-one medical treatment, but he is also offered to attend a group session where information is provided on how lifestyle and behavioral change can help. The patients learn from the clinicians and also from each other. Another current trend is to take care of the health of the defined population and not only individual patients. All the health needs of the population as a whole are identified and served. It is emphasized that the community uses the health and social services provided. Healthcare has become more population-based. Another trend that has evolved is that the hospitals, physicians and health plans have got connected and have formed an integrated delivery system. More investments are being made with a goal of providing services to the customers and retaining them.There is a beneficial impact in the transformation of healthcare towards emphasizing continued health. The way healthcare has been viewed in the past has been changing. The shifting of care from treating acute illnesses to providing continued care is resulting in enhancement of the health of the people. The only appropriate and feasible model is to provide a continuum of care with the emphasis firmly on the family and community. The health of the population and community is considered as a whole. This is advantageous as it creates value in the healthcare delivery system. The healthcare providers work with the community as a whole and consider to improve the health of the general population. Even though this requires new kinds of ways of organizing and managing healthcare services, it helps in understanding the health needs of the target population. By studying their needs, the right health and social services could be provided to them. Examples of promoting wellness of the whole community are organizing health campaigns and providing preventive education to the people in general. Another example is providing awareness about flu vaccines and encouraging people to get the vaccination.

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Integrating the healthcare delivery system has led to certain advantages to the patients. For example, they can be offered alternative sites of care depending on their convenience. It helps in meeting the needs of the customers and their preferences which is taken into account. The number of providers are expanded and the patients get to have a choice. The relationship between providers and health plans are organized in the current trend and this ensures that the right care is provided in a convenient way to the customers.There are defined budgets and expenditure targets for the populations which implies that there is a need to be efficient and productive. The formation of strategic alliances, networks, systems and physician groups can also add value. There are capitated payments and budgets allotted to the healthcare organizations. These are used to provide care to the defined population. The organization might like to improve on the payments and budgets as the expenditures of the companies increase. This results in the management to make decisions like forming strategic alliances with other organizations and increase the total resources. The growth of such networks will help in providing better care to the customers. Financial resources greatly influence the efficiency and productivity of the organization.The aging population is influencing the healthcare delivery. There is increased demand for primary care of people over 65 years and for chronic care of people over 75. The ethnic and cultural diversity is also influencing the healthcare delivery. This provides a challenge in meeting patient expectations on one hand and diverse workforce on the other. Biological and clinical sciences have met with technological advances and have led to new treatment modalities. This has led to open new treatment sites and manage across the organization. External forces change the supply of certain areas of health professionals like physical therapy and some areas of nursing. The management needs to compensate for such shortages and they need to develop different teams of caregivers at different work sites. Changes in education of health professionals implies that the management be more creative in offering healthcare services. With an increase in diseases like AIDS and morbidity from drugs and violence, there is more and more need to work with community agencies, form social support systems and there is a need for more chronic care management. Advances in information technology is another area where there is a need to train the healthcare employees in new advances. They also need to manage issues of confidentiality and rapid information transfer. Increasing expansion of world economy has led to more competitive management of strategic alliances, care of patients across the nations and of different cultures.Current environmental trends impact the healthcare delivery model. Organization’s success depends on its external and internal environment. The complex environments made up of uncertainties and heterogeneity of components leads to different organizational designs. The current environmental trends influence managerial and organizational decision making. The unique challenges facing the healthcare delivery organizations should be analyzed in order to develop and implement new and effective operational processes and strategies. As an impact of current environmental trends, the healthcare delivery system needs to improve individual, team, and organizational accountability and performance. The impact of advances in medical knowledge and information technology on the process of healthcare delivery should also be examined, and it should be leveraged to improve quality of care, process and cost controls, and revenue. New strategies would need to be identified and implemented for learning and performance improvement to create a culture that supports accountability, safety, and high-quality care. Innovative models in healthcare delivery would also be required in order to develop and implement strategies that promote organizational success and competitiveness.Due to the current environmental trends, more emphasis is given to the customers and there is more of a patient-focused care. The healthcare delivery model has been shifting to the community based care. There has been an increased modification in care processes. The traditional ways are being challenged and more experiments are being performed to fulfill the demands to improve the quality of care. Due to the shift in the environmental trends in the healthcare delivery model, more emphasis is given to quality improvement. This will help improve the performance levels of key processes in the organization. The performance levels are being measured, the defects are eliminated and new features are being added to meet the customer’s need efficiently.There is a new emerging contemporary trend in the U.S. healthcare system. Presently, the management research and assessment have been offered increased recognition. The emerging trend seen is that this is slowly forming an integral part of managerial and organizational effectiveness. With the emerging efforts in information management, it is leading towards clinical and financial networking. The trend seen among the physicians and nurses is that they are being increasingly involved in managerial activities. The managerial trends are also changing with respect to role performance and changing values. The managers role is getting more and more recognized in managing finance and human resources. Management training, lifelong and distance learning is being offered in preparing future managers.The healthcare executives and managers will be faced with the major responsibility and challenge in the years ahead. They will be working with other healthcare providers and will be creating a competitive future for their organizations. They will not only be managing organizations but also a network of markets, services and joint ventures. Formation of more and more strategic alliances and partnerships will lead the management to manage across boundaries. The management will change from managing a department to managing the continuum of care. The management will be following a community-based approach. Trend in management is also shifting from just coordinating services to providing improvements in quality.As the demands in healthcare are increasing, the management is responsible for forming performance standards. The management is also challenged to maximize the productivity and quality to serve the health needs of the community. The management is looking after the demands of the external environment as well as attending to the performance of the internal environment. The management is responsible for the performance of the organization.Healthcare organization leadership will be responding to new trends and competitive forces. It will respond to continuum of care, overall health status of the population and more complex organizational structures. These emerging trends in the healthcare system will effect the organization’s leadership. The future managers would need leadership skills and vision to integrate the organizations and help in providing the best care. The managers will have to be committed to leadership and work on giving their organizations the best place and help their organizations adapt to the changing circumstances. More value will be given to leaders who will be able to lead the change process. As changes are inevitable for the betterment of the organization, the leaders should be able to identify how the change is to be received and how it is to be communicated at all levels of the organization without damaging the implementation process. The leaders might have to deal with increased pressures due to organizational complexity.

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The leader in the organization provides strategic direction to the organization, manages diverse stakeholders, becomes mentors for management, is willing to take risks, helps the organization interact with the external environment and attends to the internal needs as well. Where required the leader will involve physicians in governance process and align physician and organizational interests. There will be a need for formation of learning organizations. Transformational leadership will create the required vision for the organization. Leaders will have a greater role complexity and they themselves will have to adjust rapidly to new situations. The healthcare organization leadership will have to live up to the values of the organization and will help in fulfilling the mission of the organization.Individuals and groups within the healthcare organizations require more and more competencies. An enhanced lifelong learning is required due to the fast, changing environment. The individuals and groups within the healthcare organizations will be benefitted as there will be rapidly developing medical technologies which will result in increased services. More sophisticated health services will be provided to the consumers. The range and quality of services provided will be regulated for the benefit of people requiring home care, long term care and ambulatory care. The anticipated future development will also result in the increased competition among the health services organization. The individuals and groups will be involved more and more with the community for issues like drug abuse, teenage pregnancy and violence.Individuals and groups will be faced with increased strategic planning and management in the healthcare organizations as there will be ever increasing involvement by the trustees and physicians. As the future environment in the organizations will be more complex, the individuals and groups in the healthcare organizations might feel more pressurized. They will need to serve the changing demands of the community as the population of elderly patients will increase. These individuals will require more professional training, increased levels of education and should be taking part in continuing education programs.Due to the anticipated future development in the healthcare organizations, those individuals and groups will be valued, who are adaptable, committed, are able to add value and embrace change. These individuals will be required to experiment more and help in redefining the mission and goals of the healthcare organizations.

Advancing the Next Big Idea in Animal Health

August 29, 2016

Smallpox, polio and even influenza-these deadly diseases once ruled the earth, killing by the millions. Today, thanks to scientific research, their impact is far less. The same holds true for animal diseases such as canine parvovirus and feline leukemia. One day, a host of other diseases that affect humans or animals, and sometimes both, may meet the same fate.When major medical breakthroughs happen, such as the promising bone marrow treatment for humans with sickle cell anemia announced last December, we often don’t realize the time and effort behind a new prevention, treatment or cure. The reality, though, is that medical advancements usually take years, even decades, to come to fruition-and along the way hundreds of ideas are attempted before one of them opens the doors. Morris Animal Foundation (MAF) is committed to finding and funding the next big ideas in animal health research.We know that a novel idea goes nowhere without proper funding-and funding for the unknown is often tough to come by. The Foundation is one of the few organizations helping cutting-edge scientists gather data and test promising concepts that could one day lead to major health breakthroughs for animals.Innovative Ideas Take Flight:
Through its pilot-study program, MAF provides funding up to $10,800 for one-year studies that test a new idea and gather preliminary data to determine if the idea merits further investigation. This program provides timely funding for innovative ideas, speeds up scientific discovery and advances the Foundation’s mission to improve the health and welfare of animals.

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“Pilot research study grants are designed to support innovative research ideas and early-stage projects where preliminary data may not be available,” says Dr. Wayne Jensen, MAF chief scientific officer.One benefit to the pilot-study program is that MAF accepts these study proposals multiple times per year rather than through the traditional grant cycle of once per year. As a result, the program helps researchers respond more rapidly to emerging diseases and contemporary questions in animal health research.Funding for pilot studies is desperately needed to advance veterinary medicine for companion animals and wildlife. Dr. James Moore, chair of the Foundation’s large animal scientific advisory board, explains that most funding agencies only support proposals that already contain a sufficient amount of preliminary data to suggest that the expected outcomes will be achieved. But scientists need funding to gather preliminary data. So it was no surprise that MAF received an overwhelming response-161-to its two 2009 calls for proposals. Yet the Foundation can fund only 12 to 18 projects each year.”The greater than expected response to the request for proposals for pilot studies suggests that there are a lot of good, untested ideas out there,” Dr. Moore says.A History of Funding Health Breakthroughs:
The Foundation has a long history of funding breakthrough projects. For example, in 1999, MAF was the first to fund research to look at why California sea otters were dying off. Over the next decade, we funded several grants looking at disease risks in sea otters. What scientists learned from these projects helped them win a $1.86 million grant from the National Science Foundation. In an interview for AnimalNews 6.4, lead researcher Dr. Patricia Conrad noted that, “the Morris Animal Foundation grants were critically important. Without that support in the project’s infancy, we wouldn’t have been able to compete for bigger grants.”Beyond uncovering information about the infectious diseases that were killing sea otters, these studies also led to increased state legislative protections for the playful creatures and trained numerous up-and-coming wildlife health researchers.A current study funded by our Canine Cancer Campaign is testing a new drug therapy for bone cancer in dogs. This major project encompasses multiple facets and institutions and could eventually save the lives of thousands of dogs-yet it began as a small pilot effort. Additional pilot projects may soon lead to a promising treatment for eye cancer in horses, improved nutrition for brook trout and better pain management for reptiles.

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Current pilot studies address gastrointestinal problems, urinary infections and heartworm in dogs; osteoarthritis pain in cats; laminitis in horses and overpopulation and drug-resistant infections in pets.”Pilot studies like these are important for moving veterinary medicine forward, primarily because they can be accomplished relatively quickly and relatively inexpensively,” Dr. Moore says.Who knows where this year’s pilot projects may lead. Perhaps they will give veterinarians a tool to help them diagnose and manage osteoarthritis in cats or an inoculation that prevents certain strains of Escherichia coli from causing recurrent urinary tract infections in dogs. Or maybe equine veterinarians will get an inexpensive method for treating laminitis, a painful, life-threatening condition.The possibilities for advancing animal health are truly endless as long as we continue to support pioneering scientists with innovative ideas. These promising projects may one day change the face of veterinary medicine and help create a healthier tomorrow for animals.Learn more about the current pilot studies.