Advantage of Term Life Insurance Over Other Types of Insuring

Whether you are contemplating on buying a whole life insurance or a term life insurance for your family protection, it can be complicated. Most life insurance companies offer the same types and forms of insuring yourself. But be aware that the coverage on these policies is not the same and you need to read the policy contract. You may also need to decide on what suits your needs. But if you are looking for a temporary life insurance for your short range goal, term life has the advantage.The advantage of term life is it provides you with the coverage for specified period of time or for a limited time. After that period the insured can renew the policy or simply drop the policy. Renewing your policy may increase your premiums to continue the coverage. If the person insured in this case dies during the determined time of coverage, the death benefit would be paid out to the beneficiary. But if the insured dies the following day after the term expires, the insurer will not pay anything.The best thing about term life is this is the most inexpensive way to insure you. In fact the premiums could less by as much as 10 times cheaper than a universal life or a whole life. Thus most people who are just starting out or still young and only need the coverage for themselves chooses type of insurance. The reason it is more inexpensive than the other types of insuring is because of the cash savings or the investment component. These features are not seen on term insurance.Proponents or people who decide to buy term insurance argue that the savings or the investment feature does not have good return on investment. To some people if you are making a measly 4 to 5 percent on the investment portion, then it is better that you do it yourself. Meaning go and invest it yourself in mutual funds or other vehicles of investing. The main reason you are purchasing this policy is for the protection and security of your family anyways should you pass away.Insuring you with term functions similarly with the other types of insurance in that it always pays out to the beneficiary any claims against it. Provided the insured is up to date with their premiums and the term or contract has not expired. For instance, an auto insurer will pay out to the insured in the event of an accident, similarly in the case of a house fire the insurer will pay the homeowner. So with term it is a pure and simple risk protection in case happens to you. Then your family will have something to carry on financially.So if you are buying term life insurance, you will have the security and protection in the event that you die, provided it is within the specified period of time. It is more inexpensive compared to the other types or forms of getting insured. Most if not all life insurance companies offer this type of life insurance so it is not difficult to find one.

Posted in Uncategorized | Tagged , , , , , , , , , , , , , , , , , | Comments Off

When Special Education Fails

The designating categories of special education have been carefully conceptualized by educators and are conscientiously considered in the cases of students who appear to have a barrier or barriers to learning. Most cases referred to school psychologists are straightforward and well understood. The majority of students referred and evaluated clearly meet criteria for one of the designating categories and is appropriately served as a result of the designation specified. Time and time again we have seen that when the student, designation, and assigned services match, the services received by the students lead to their progress.However, there is a growing number of students in every school district each year for whom we cannot seem to find an accurate match. These students continue to baffle educational professionals, despite their best efforts to understand and intervene. These are often the students who arrive to school, no matter how young, with a significant history already in the making. Some have been asked to leave their daycare or pre-schools. Some have been given disciplinary transfers from one school to another. Others come to school with long, often conflicting psychological and/or medical reports from outside agencies and hospitals with various diagnoses and recommendations, some tried, some abandoned, or are students quickly acquiring such reports. Numerous traditional forms of intervention were tried with little success. School psychologists review, observe, and consider what the situation may be with these students but cannot seem to put their finger on the specific challenges and needs of the students – on what the actual barrier to their successful education is. Designing and implementing effective interventions becomes futile because the problem is not clearly understood.When the problem is not clearly understood, we miss not only the opportunity to intervene within general education in an effective way but also the opportunity to use the designating categories of special education in a more accurate and comprehensive way. Some designating categories are broader and more encompassing than their current use implies, Other Health Impairment and Traumatic Brain Injury, specifically. They are underused as a result. A number of the more baffling students assessed would be better understood as having health impairments or brain injuries because of their significant medical histories or traumatic experiences. Educators have not yet considered these designations for many of the students who need them, most likely due to limited knowledge of current brain and nervous system research. The findings of the last decade – “the decade of the brain” – are critical to the work we do. Such findings point to the importance of considering pre- and peri-natal development, trauma, and stress, in both the student and the student’s caregivers when we assess for potential barriers to learning.Rather than simply identifying the problem and developing solutions for the problem as defined, we need to understand the source of the problem. That is what we do when we consider pre- and peri-natal development, trauma and stress. Understanding the source of learning and behavioral challenges is more important to best practice than ever before. In light of compelling research on the developing brain and its effect on the nervous system and self-regulatory capacities, we now know that without understanding the source of the problem, we do not understand its solution. Re-consideration of both the criteria for the designating categories, as well as the use of the categories, is implicated.Identifying barriers to learning is one of the most important things we do as educators. Within general education we have identified poor attendance, cultural and environmental conditions, second language issues, chronic illness, and economic disadvantages among others. Within special education we have assessed for developmental delays, physical disabilities, learning disabilities, emotional problems, and health impairments among others. There remains a group of students, however, whose inability to access their education with success is still not understood. There remains, in this twenty-first century, a misunderstood child.We first heard about the “misunderstood child” in the 1980′s when the book by the same name was originally published (Silver, 1984). The author helped us put a name to those students who were struggling with learning disabilities that at the time we did not know enough about. We rose to the challenges then of those students and learned to intervene with them in more effective ways. We learned at that time, just as we continue to learn today, that when we misunderstand children, we leave them behind.This is a new era. Twenty years after the publication of Misunderstood Child: Understanding and Coping with Your Child’s Learning Disabilities, we have new challenges to face in education. Post-9/11, in light of numerous school shootings, terrorist attacks, and natural disasters, and with media and internet access at an all-time high, our students experience exposure to local and global violence in frightening proportions. We would not only be naïve but also dangerously ignorant to think that this exposure is not having a significant impact on our students. In fact, we witness that impact in our classrooms and on our playgrounds every day. We hear more now than ever before about bullies, crises, and school violence. The growing focus of education on prevention and intervention in these areas is because we realize these problems are on the rise.As we face this new era, having committed to “no child left behind,” a reconsideration of our priorities and commitments in education is called for. We need to ask important questions. Have we identified, in either general or special education, all the possible barriers to learning and behaving in school with success? Are the designating categories as they are currently being used comprehensive enough to account for the barriers our students face? Why is there a growing number of students who do not fit into the categories as they are currently being used? Who are these students who do not fit? What are the barriers to their education? What do we need to start doing to assess them more accurately, identify them more comprehensively, and serve them more effectively?In an attempt to answer these questions, the groundbreaking book, Why Students Underachieve: What Educators and Parents Can Do about It, was written to review current research findings on the developing brain and nervous system – research that is completely relevant to education yet largely ignored. The findings of this research demonstrate that there is a direct and significant effect of experience on the brain and ultimately on learning and behavior. While the findings point to a single barrier that may underlie the struggles of both general and special education students, we must also acknowledge that our own limited awareness of these findings and their implications is also a barrier to the success of our students. We can only know how to help them when we know how their experiences have impacted their development. As the relationship between experience, the developing brain, and subsequent learning and behavior is made evident, it will become clear why no one needs this information more than educators.© Regalena Melrose, Ph.D. 2009

Posted in Education | Tagged , , , , , , , , , , , , | Comments Off

International Business Site – Get Help With International Business Negotiation

For many business owners the prospect of trading internationally for the first time can be a very worrying experience. The choice to locally source products has always been a favoured method of conducting business however in today’s day and age there is simply so much money in international trade that businesses often cannot afford to miss out. Due to lower labour costs, lower tax and generally lower production costs countries such as China, as a small example, manage to produce high quality products at a fraction of the price; something which could seriously increase your businesses profits.

The first thing that many people have to realise is that international business negotiation is never going to be exactly the same as local business negotiation. As you travel around the world various different countries and business communities have various different business principles. Being able to adapt to these principles is therefore a must if you wish to trade in those regions of the world.

An international business site offers a very in depth look into the cultures and business principles of the most common countries where international business takes place and aims to help those new to international trading get a head start. It will teach you not only about the culture and common practices in the country, but also about the business etiquette and how you should move towards international business negotiation.

Common things you need to know about the country before you start international business negotiation.

The chances are that if you wish to conduct international business negotiation you will be flying out to your country of choice. Even if you find a company you would like to trade with online this is a certainty. Here are some of the things you should know before you make your initial visit:

1. The business practices for greeting / meeting a new person such as handshakes and hellos.
2. What the general business attire is in any given country. Some countries will keep the idea of wearing a suit whereas some may be more relaxed on what you can where to a business meeting.
3. Different countries have different practices when presenting business cards or exchanging credentials. For example in Asia you are meant to treat a potential partners business card with the up most respect, meaning that you receive it in two hands and place it careful in your inside jacket pocket.
4. You should learn about the rules when eating in said country as the company you are negotiating with may take you for a meal. This is important in places such as China, where cleaning your plate is considered an insult; very different to countries such as the UK where it would be a compliment.
5. Look into the countries culture and what they like to do for business entertainment.

Using the international business site will help to learn all of the things mentioned above about various different regions of the world. This will give you a head start when it comes to travelling abroad when looking to kick start some sort of international business negotiation.

Posted in Uncategorized | Comments Off