We continue our series on how to build satisfying interpersonal relationships. Commitment and love are important to all of us. We all want to succeed when dealing with others, whether with coworkers, friends, or loved ones. You know or you should know that there is no success secret, no checklist of things to do, and just as importantly things not to do. But we have many suggestions, now continuing with the letter me. We have written a double series of articles, chock full of suggestions for the letter I. Here the focus is on imagine, informed, and inspire.
I am for imagining. Imagination is king. Before it can happen someone has to imagine it. Don’t stop in the middle, don’t stop before you start, let your imagination run wild. Imagining that he or she loves you is the first step to making it happen. Who knows, maybe your intended is imagining the same thing. Imagining that you make a major sale is a different matter. For more details you can visit at www.the-spam-files.com. Your perspective client is surely not thinking about your product and you. Don’t let that stop you. Imagine that client’s specific needs. Imagine how your product or products can meet those needs. Imagine how you can deal with the client’s objections. Imagine how you can spend your commission. Then go out and do it.
I am for informed. Make sure that you know what the situation is. Do your spadework. It helps if you have access to sensitive information. But even if you don’t, there usually is a lot of public information available. Don’t believe everything that you read or everything that you hear. And learn to read between the lines or if you are talking face to face learn to read body language. you can also visit at www.tips-getting-healthy.com
I is for inspire. Few feelings are as great as the one that surges inside you when you realize you are inspiring someone to go further, to break their own limits. I’m a teacher and inspiring students is one of the great perks of teaching. Believe me; it doesn’t happen all that often. On the other hand, two minutes before it happens I usually have no clue that inspiration is on the horizon. Many successful people remember a select few teachers, mentors, bosses, or family members who inspired them to become what they are. You can do it. And when you do do it, make sure to inspire others to follow in your footsteps. Or even go way beyond you. You owe it to them. And you owe it to yourself.
Things You Should Know About Pet Health Care Insurance
Before you purchase a pet health care insurance plan for your pet, check the list of the companies approved veterinarians to see if your veterinarian will accept the companies check. Ask your local veterinarian what type of pet health care insurance plan would best suit your family pet. Ask your local veterinarian to read over the plan and listen to their advice. Talking to your local veterinarian will also help you establish if the insurance company you are considering purchasing your pet health care insurance plan from is reputable.
If you have purchased a pet that is as of yet unaltered you'll want to look for a pet health care plan that includes neutering and spaying.
Before you pay for a pet health care insurance plan you need to carefully read how the policy handles prescription coverage. Most companies that sell pet health care insurance do not include prescription coverage in their basic medical health care insurance plan. If you are concerned about the cost of any prescription your pet might need during the course of its life you should probably consider buying a prescription coverage rider to complement your pet health care insurance. Although this rider may appear expensive and unnecessary you'll probably wish you had purchased it if your pet is ever given a prescription for anything. Just like the human counterparts prescriptions are very expensive.
One of things you need to take into consideration when purchasing a pet health care insurance plan is the deductible. The deductible is the amount of money you pay out-of-pocket for veterinarian services rendered that your pet health care insurance plan does not cover. Different pet health care plans require different deductibles. The higher a the deductible you choose the lower your monthly payments to the insurance company but the higher deductible the more out-of-pocket extension had each time you visit the veterinarian's office/clinic.
Most pet insurance companies have "cap" or limit placed on each pet health care insurance plan. This cap varies from one procedure to the next a broken leg will probably have a different cap then cancer treatments will for your pet. Before you purchase your pet health care insurance plan talk to the company representative about waiting periods. Find out exactly how long it'll take over the policy to be effective and how long the general wait for claims to be reimbursed is. Most companies have a ten day period between the time they receive the vet bill and when the check gets placed in the mail. Also find out how the refund is processed. Does the pet health care insurance company pay the veterinarian directly or do you have to pay the vet and the company mails the check to you when they receive the bill.
Why you have the company representative on the phone task about any and all exclusions that might be included with your pet health care insurance plan. Specifically ask about any and all pre-existing conditions and hereditary defects that might come up later in your pet's life. Many pet owners especially, those that have dogs, discover that hereditary defects come into their particular dogs are not covered by their pet health care insurance plan. Some companies will allow you to cover these potential problems with an additional rider. In some cases your local veterinarian will be able to warn you about any exclusions.
If you are considering a comprehensive health care insurance plan ask if the plan covers teen veterinarian visits such as; dental care, immunizations, and heartworm testing. Also ask if the pet health care insurance plan also covers the office call.
If you have purchased a pet that is as of yet unaltered you'll want to look for a pet health care plan that includes neutering and spaying.
Before you pay for a pet health care insurance plan you need to carefully read how the policy handles prescription coverage. Most companies that sell pet health care insurance do not include prescription coverage in their basic medical health care insurance plan. If you are concerned about the cost of any prescription your pet might need during the course of its life you should probably consider buying a prescription coverage rider to complement your pet health care insurance. Although this rider may appear expensive and unnecessary you'll probably wish you had purchased it if your pet is ever given a prescription for anything. Just like the human counterparts prescriptions are very expensive.
One of things you need to take into consideration when purchasing a pet health care insurance plan is the deductible. The deductible is the amount of money you pay out-of-pocket for veterinarian services rendered that your pet health care insurance plan does not cover. Different pet health care plans require different deductibles. The higher a the deductible you choose the lower your monthly payments to the insurance company but the higher deductible the more out-of-pocket extension had each time you visit the veterinarian's office/clinic.
Most pet insurance companies have "cap" or limit placed on each pet health care insurance plan. This cap varies from one procedure to the next a broken leg will probably have a different cap then cancer treatments will for your pet. Before you purchase your pet health care insurance plan talk to the company representative about waiting periods. Find out exactly how long it'll take over the policy to be effective and how long the general wait for claims to be reimbursed is. Most companies have a ten day period between the time they receive the vet bill and when the check gets placed in the mail. Also find out how the refund is processed. Does the pet health care insurance company pay the veterinarian directly or do you have to pay the vet and the company mails the check to you when they receive the bill.
Why you have the company representative on the phone task about any and all exclusions that might be included with your pet health care insurance plan. Specifically ask about any and all pre-existing conditions and hereditary defects that might come up later in your pet's life. Many pet owners especially, those that have dogs, discover that hereditary defects come into their particular dogs are not covered by their pet health care insurance plan. Some companies will allow you to cover these potential problems with an additional rider. In some cases your local veterinarian will be able to warn you about any exclusions.
If you are considering a comprehensive health care insurance plan ask if the plan covers teen veterinarian visits such as; dental care, immunizations, and heartworm testing. Also ask if the pet health care insurance plan also covers the office call.
Breast Reconstruction after mastectomy for breast cancer
What options for breast reconstruction are there for women who have breast cancer and need a mastectomy?
Plastic Surgeons are all trained to perform breast reconstructive procedures, although some specialize in this area and may be able to offer options that may not be available everywhere.
The two main methods of breast reconstruction are either by placing a breast implant (alloplastic - foreign body) under the breast or by using the body's own tissues (autologous - body's own). Withing the Autologous category, there are two main sub-categories. Free flaps and pedicled flaps. Pedicled flaps are the older method, and involve movement of tissues while still attached to the body... the 'pedicle' carries the blood supply to the flap tissue which is then moved from one area to another (the chest/breast in this case).
In Free Flaps... the tissue is cut out and then reattached at another location, sort of like a transplant but instead of moving a body part from one patient to another, here the body part/tissue is moved from one area of a patient to another area of the same patient. This is complicated because the blood vessels and possibly the nerves need to all reattached. This is done under a microscope or with the help of magnifying glasses, and is called "Microsurgery" (everything is microscopic, the sutures and needles used are so small you may not even be able to see them without a microscope).
In summarize:
- the simplest option is to use implants to recreate breast
(this usually involves first placing a tissue expander to expand the existing chest muscles as the implant goes under the muscle, followed by a second surgery where the expander is replaced by a permanent implant)
- next is the pedicled flap
(every plastic surgeon should be capable of performing this reconstruction, using either Latissimus dorsi flap, or more commonly a TRAM (transverse rectus abdominis musculocutaneous) flap)
- finally, the most complex but probably the best outcome is the free flap
(to provide this option, plastic surgeons usually undergo additional trainings (microsurgery fellowship) to learn the techniques of free flaps and perforator flaps)
Martin Jugenburg, MD
Toronto, ON
(www.plastica.ca)
(www.microsurgeon.ca)
Plastic Surgeons are all trained to perform breast reconstructive procedures, although some specialize in this area and may be able to offer options that may not be available everywhere.
The two main methods of breast reconstruction are either by placing a breast implant (alloplastic - foreign body) under the breast or by using the body's own tissues (autologous - body's own). Withing the Autologous category, there are two main sub-categories. Free flaps and pedicled flaps. Pedicled flaps are the older method, and involve movement of tissues while still attached to the body... the 'pedicle' carries the blood supply to the flap tissue which is then moved from one area to another (the chest/breast in this case).
In Free Flaps... the tissue is cut out and then reattached at another location, sort of like a transplant but instead of moving a body part from one patient to another, here the body part/tissue is moved from one area of a patient to another area of the same patient. This is complicated because the blood vessels and possibly the nerves need to all reattached. This is done under a microscope or with the help of magnifying glasses, and is called "Microsurgery" (everything is microscopic, the sutures and needles used are so small you may not even be able to see them without a microscope).
In summarize:
- the simplest option is to use implants to recreate breast
(this usually involves first placing a tissue expander to expand the existing chest muscles as the implant goes under the muscle, followed by a second surgery where the expander is replaced by a permanent implant)
- next is the pedicled flap
(every plastic surgeon should be capable of performing this reconstruction, using either Latissimus dorsi flap, or more commonly a TRAM (transverse rectus abdominis musculocutaneous) flap)
- finally, the most complex but probably the best outcome is the free flap
(to provide this option, plastic surgeons usually undergo additional trainings (microsurgery fellowship) to learn the techniques of free flaps and perforator flaps)
Martin Jugenburg, MD
Toronto, ON
(www.plastica.ca)
(www.microsurgeon.ca)
Advantages And Disadvantages Of Payday Loans
Payday loans provide you with hard cash in a short span of time. Payday loans are suitable for someone going through financial crisis. In the event an individual goes bankrupt and is unable to meet the high cost of his utility and medical bills, payday loans can be very helpful. Payday Loans are given by private lenders or lending institutions in the form of cash advances on Payroll cheques.
Advantages Of Payday Loans
Payday loan facilitates UK citizens to get loans up to £750.00 in cash within a day’s notice. Applicants with bad credit history, adverse credit, CCJ’s, bankruptcy and defaults also stand an equal chance of obtaining Payday Loan coverage. An applicant should be at least eighteen years of age to apply for Payday Loans in the UK. One, however, needs to prove that he is currently employed when applying for such loans.
Whether the expense involves going for a dream vacation, repairing a car or perhaps making home renovations, payday loans provide an individual with the cash he is looking for. In order to do so, he must have a current and active bank account. Payday Loans come into the scenario when individuals are facing the most challenging financial crisis of life. Payday loans act as a fixing tool to repair virtually any inevitable expense in the life of an individual.
Sometimes, you have to pay utility bills by a certain date. Not having cash may mean you not being able to pay the bill on time. The utility can be disconnected leaving you with no way to get a reconnection quickly. A payday loan may help you stay out of such a situation. Unanticipated house repairs may pose problems as well and a payday loan helps avoid an unwanted situation.
Disadvantages Of Payday Loans
Payday Loans are available at high interest rates and only UK residents can avail this opportunity. One should keep in mind that he should repay the amount of loan before the expiry of the repayment period. Failing to do so could result in repaying the loan amount with significantly higher interest rates.
It is important to realize you are the one responsible for the repayment of a payday loan in full. Not doing so can affect your credit standing negatively. Once your credit rating is affected, it is difficult to apply for loans and credit cards.
The loans and credit cards available for people with bad credit have lower limits and high rates. If your credit is affected adversely, you have to work hard to rectify the situation. It may even include consultations with a loan specialist. For these reasons, understanding your financial constraints is very important when it comes to choosing the type and amount of a payday loan.
Original from: http://www.hitcashnow.com/blog/advantages-and-disadvantages-of-payday-loans/
Advantages Of Payday Loans
Payday loan facilitates UK citizens to get loans up to £750.00 in cash within a day’s notice. Applicants with bad credit history, adverse credit, CCJ’s, bankruptcy and defaults also stand an equal chance of obtaining Payday Loan coverage. An applicant should be at least eighteen years of age to apply for Payday Loans in the UK. One, however, needs to prove that he is currently employed when applying for such loans.
Whether the expense involves going for a dream vacation, repairing a car or perhaps making home renovations, payday loans provide an individual with the cash he is looking for. In order to do so, he must have a current and active bank account. Payday Loans come into the scenario when individuals are facing the most challenging financial crisis of life. Payday loans act as a fixing tool to repair virtually any inevitable expense in the life of an individual.
Sometimes, you have to pay utility bills by a certain date. Not having cash may mean you not being able to pay the bill on time. The utility can be disconnected leaving you with no way to get a reconnection quickly. A payday loan may help you stay out of such a situation. Unanticipated house repairs may pose problems as well and a payday loan helps avoid an unwanted situation.
Disadvantages Of Payday Loans
Payday Loans are available at high interest rates and only UK residents can avail this opportunity. One should keep in mind that he should repay the amount of loan before the expiry of the repayment period. Failing to do so could result in repaying the loan amount with significantly higher interest rates.
It is important to realize you are the one responsible for the repayment of a payday loan in full. Not doing so can affect your credit standing negatively. Once your credit rating is affected, it is difficult to apply for loans and credit cards.
The loans and credit cards available for people with bad credit have lower limits and high rates. If your credit is affected adversely, you have to work hard to rectify the situation. It may even include consultations with a loan specialist. For these reasons, understanding your financial constraints is very important when it comes to choosing the type and amount of a payday loan.
Original from: http://www.hitcashnow.com/blog/advantages-and-disadvantages-of-payday-loans/
Ever taken a payday loan? You may be entitled to cash from lawsuit
If you borrowed money from The Cash Store or Instaloans between Sept. 1, 2011 and 2014 before those companies declared insolvency, you may be eligible for a cash settlement as part of a $10-million class action lawsuit.
Jon Foreman, a partner with Harrison Pensa LLP, said there are 100,000 people who might be eligible for a minimum $50 award, and one-third of those people are in Northern Ontario.
The actions leading up to the lawsuit begin in 2011, when a borrower from the London, Ont., area took out a $400 loan. He repaid that loan nine days later, and it cost him $147 on top of the $400, Foreman said.
At the same time, the Ontario government started doling out regulatory actions against The Cash Store, laying charges and challenging the company's business model. A new regulation was passed under the Payday Loans Act, Sept. 1, 2011, that made The Cash Store's conduct very clearly offside, Foreman said.
The Cash Store and Instaloans declared insolvency in 2014 and stopped lending money.
Borrowers who took payday loans, including lines of credit, from The Cash Store and Instaloans will now be able to make a claim for a recovery of some of the fees and interest they were charged, following a decision by the Ontario Superior Court of Justice to approve a $10-million class action settlement.
On July 5, the Take Back Your Cash campaign was officially launched in an effort to reach out to those borrowers. There were five locations in Greater Sudbury at that time. Throughout Northern Ontario and south into Huntsville, Parry Sound, Midland and Barrie, for instance, there were as many as 26 stores, Foreman said.
On his best information, Foreman said there were 30,000 borrowers and 130,000 loans ranging from $100 to $1,500 in that timeframe.
On his best information, Foreman said there were 30,000 borrowers and 130,000 loans ranging from $100 to $1,500 in that timeframe.
“We believe there are 100,000 people in the class, and about one-third of them are in the North,” he said. “That's why this is a very important region for us. We want to get their attention to get them to come forward and make a claim.
“We fought and scratched and sued people outside the insolvency, such as directors of the company, third-party lenders, and we were able to recover a $10 million settlement out of that mess. That's a good result, although I wish we could have recovered more, but when you look at the circumstances, it's a pretty good outcome.”
“We've built the system, so that the borrower shouldn't need any documentation. We have the best information from those two companies regarding all of the borrowers eligible for a claim, including loan amounts, and we've spent the last six months organizing that for the website, so that it's really an easy experience for the borrowers.”
Those eligible will be given an access code, which will bring up the information for the borrower, who can either agree with or disagree with the information. Depending on how much was borrowed, each person will get a pro-rated award out of the settlement, according to everyone's relative weight.
“We put the $50 minimum out there, so people will say, 'if I'm going to spend this time on the website, I want to get something out of it.”
As part of the information turtned over by the settling companies, the firm was given contact information for those borrowers, but it's information that could be outdated. People in the region whose information Harrison Pensa LLP does have will be contacted either by mail, phone calls, text message or email.
“These are legitimate communications inviting you to participate in this process, so don't regard them as spam or disregard them altogether. This is a court-approved process, and we're using all the communication capabilities we have to reach out to people.”
In the four days since the campaign was launched, 10,000 people have come forward to either file a claim or inquire about a claim, Foreman said.
The deadline to make a claim is Oct. 31. Once received, the claims will be reviewed for accuracy, which takes time and requires careful work. Claimants will receive their cheques as soon as possible after the Claims Administrator has completed its review, likely in mid-2017.
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