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Where Can You Get Affordable Health Insurance?

What is health Insurance

The main reason why you need an affordable health insurance is to help you plan ahead in case of unexpected costly emergencies. The only way you can accomplish this is to compare prices from most leading insurance companies and also choosing a health insurance plan that best suits you. Back in the days, getting a cheap health insurance plan was simply unaffordable. But these days, individuals, small groups, families and students can choose a health insurance plan that is best for them, e.g. like acquiring a help insurance plan that ensures that an individual suffering from any previous medical condition is not excluded.

Private health insurance plan is totally an unrestricted open market, so those who do not yet have a health insurance plan should consider taking out a plan. For those who are seeking good medical health insurance program, having one is possible through the help of specific companies which specializes in providing health care insurance for individuals and also meeting their requirements and also staying within your budget.

Also for individuals who do not want to use a company, then they can use the internet. One major way Americans get health insurance coverage is mostly through their employers. Many employers them receive health insurance coverage for their workers for a limited time thus enabling them receive health insurance coverage. The internet provides an option for a cheaper health insurance. There are lots of companies that provide all types of health insurance plans, making it possible for you and your family to have a specific reasonable and affordable health care insurance plan. Finding out what kind of reputation the company has and how long the company has been in business is a smart idea.

Having a kind of ideal they have for you is advisable also making sure they have been licensed in your state, because it is of no use getting an insurance with a form which has no license and cant get the exact health insurance you want, many agents will help work hard for you, so you could have an affordable health insurance plan which you and your family could live with without great cost. Everyone wants the best health insurance both for themselves and for their families, but only the best health care insurance can do this with low premiums and full coverage.

What are the advantages of health insurance?

Having the right and the best health care insurance is difficult. In order not to get confused, one needs to decide which the best is by doing his or her research thoroughly. The first step to take includes checking out the credentials and also their past performances of the very company you are considering. Just as on insurance outfits does a background check of individuals before accepting proposals, one should also review the financial status including the customer care services of the insurer, by so doing; you stand the chance to know which health insurance company’s best for you. One major way for you to get ratings of these agencies such as A.M best or Moody’s is by using the better business bureau. Many employers use the health insurance scheme to either attract or even retain their quality employers. The health insurance coverage might be a personal scheme or a group scheme organized and sponsored by the employers for employers who work between 20-29 hours per week.

Companies also do not add cost of fringe benefits alongside health insurance, to the price of their product and service. Over the past decades, the cost of health insurance has increased tremendously, surpassing the general rate of inflation in most past years.

The different types of health insurance includes individual health insurance, affordable employee health insurance which is also known as group health insurance, affordable family health insurance, affordable business health insurance etc, your monthly insurance is determined by certain numerous different things. For instance, most premiums based on or according to your age. So your health insurance rates changes accordingly with the type of health policy you have. If your health insurance is basically for yourselves or your entire family, the procedures must surely have an impact on any quote you are young or advanced in age, self employed receiving health insurance companies will adjust your premium based upon your age and this will also affect the cost of your health insurance.

What are the Disadvantages of health insurance?

Since unforeseen occurrences may occur any time, one will never know when an accident is likely to happen, be it the need to be admitted in the hospital for stitches or a broken bone, you may be in the position to receive help quickly without the worry of receiving a huge bill, unlike when you don’t have a health insurance your credit rating beers all the cost. But you can prevent all this problems from happening and also protecting your credits for your future health financially. Increasing the amount of your health insurance deduction is another way in which you can help make sure your insurance rates are lowered. This higher monthly premium is necessary for anyone who has an existing health problem that requires an extensive medical treatment getting variety of quotes from insurance companies which meets for your health and budgets standards, is a wise decision when selection an health insurance. Searching can be done online and this will have saved you money as well.

Many people feel that they are healthy enough, so they don’t need health insurance because they have never had any major medical problems but one thing to note against the possible health insurance is the protection against the possible health problem that may happen in future. It might happen to you in particular or any member of your family, so why not plan on having an affordable health insurance plan today.

Kingsley Duru has an BSc (Banking & finance). Insuranceavenue.info offers our visitors the best of Insurance articles, review and endeavors to find the best possible deals for our customers.

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Affiliate Marketing Tips – Is Internet Affiliate Marketing Business Dead?

If you just got started in internet affiliate marketing business, there is a high chance that you are finding it difficult profiting from it. Lots of folks who start this business often fail, the robottogel  failure rate is said to be over 80% which is very outrageous. This has made many people to believe that affiliate business is dead. Keep reading this affiliate marketing tips for more information.

The fact is, lots of people are still earning money from this business, no doubt, this are people have lots of skills and experience in marketing. As you can see, having skills will differentiate you from the multitude of affiliate marketers out there. Internet affiliate marketing business is one of the opportunities that can be successfully operated from any country. All you need is a computer connected to the internet and the zeal to work.

Most people only sign up for this program and never take the time to log into their account to see how things work as well as what is expected of them. Am afraid the four letter word “WORK” is still vital to success.

Over saturation is another thing to worry about when trying to start this kind of business. You will find a lot of product similar to your own and creating a site as well as blog only takes a few minute these days when you know how. It is important to do a little research on the niche you are planning on joining before venturing into business.

There are many tools on the internet that will help you ease you research, the search engines is one of them. With a blink of an eye, you can have tons of information before you, Google keyword tool is another, it tells you the keyword people use to find your kind of product as well as the number of searches it receives on a monthly basis.

There are two ways to succeed in an affiliate business, take the time to learn some internet marketing skills and pick a less competitive niche. Internet affiliate marketing business is not dead, you only need to put on your thinking cap. I hope you find these affiliate marketing tips interesting.

To Your Success,

 

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Reflections on 2020

I’m sure that many of us started this year toasting the new decade, excited and full of enthusiasm. This was going to be ‘our time’, full of promise and potential. Well, that certainly didn’t work out as anticipated!

And so, when for many of us everywhere has been closed or only available with limited, restricted  expression access, it’s been over to us. Not dissimilar to a redundancy, an unexpected relationship breakdown, a serious health situation occurring. Those situations where your only choice is the way you deal with what’s being presented to you.

What are your reflections on this year?

Priorities

At the beginning of 2020 I’m guessing many of us measured success in terms of results, accolades, promotions, gains. Yes, even now winning and achievement are still important but have less significance as other things have gained prominence in our lives.

During a year when we’ve been mostly discouraged from leaving our homes there have been very limited options for working, shopping, socialising away from our homes. Much has transferred online. Taking time to stop and smell the coffee when we’ve been restricted to our four walls has meant we could either do nothing or find alternative ways to live well. It’s prompted us to look at our lives in different ways.

For many our priorities have been amended. Valuing the relationships we have, our health and the health of those close to us, the human contacts we have, the importance of our homes has taken the place of things we perhaps used to value most highly.

Happiness

As we reflect on 2020 we may discover that many of the things that used to make us happy are less important. A day spent shopping may have once been a treat, but it’s not so delightful when the practicalities mean going alone, no browsing or trying on, one-way systems in shops and being offered only one shoe to try.

Other things have been found to bring more joy and pleasure into life. Sharing recipes and baking, seeing family and friends, walking in the countryside or along the beach are things that now feel meaningful and spiritual, grounding us and bringing satisfaction.

Relationships

Our relationships have been subject to serious scrutiny this year due to our living in much closer proximity than we ever anticipated. Valuing our nearest and dearest has been a top priority, though some relationships have floundered due to lack of space, patience and privacy.

It’s not been an easy time, with new ways of navigating co-existence and finding ways to respect each others’ need to work, play and have some quiet personal time, whilst trying to be aware and supportive should dark times arise.

For those of us unable to see our children, grandchildren, vulnerable relatives, the elderly or those with underlying health conditions, these months have been especially harsh.

We’ve discovered who our real friends are, the people who’ve maintained contact through phone calls, zoom or thoughtful cards. Neighbours and local support groups have been much appreciated, keeping in touch and delivering food to those who’ve been struggling or are in need.

Work and Money

Many of us have found that whilst we’ve been earning a lot less our finances have been eased by our inability to spend as usual. No relaxed shopping sprees, meals out or holidays have meant that we’ve been able to cut back. Finding ways to pare spending has been a revelation.

Work for some has been problematical, accommodating working from home alongside children and family members, plus apprehensions at what the future holds. Certainly keeping affloat has been the immediate concern, rather than striving for promotion, even though some businesses have thrived through being in the right niche or adopting a flexible approach to business.

We’ve perhaps realised that our fast-paced job is less appealing than it once was and that working from home is a less stressful, more comfortable way to work. A survey discovered that 9/10 who’ve worked from home during lockdown would like to continue doing so.

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Entrepreneurial dreams

Balance. The struggle between being who you are, doing what you love, and supporting what you believe in. This was my challenge – to manage all that life www.lifeofanartist.nl is offering me. Should I chase my entrepreneurial dreams? Should I allow more time to my passion of painting? Should I continue my prominent feminist and activist roles in my community and on this earth?
Yes, yes, and YES!

Swish! Swish! That’s the sound of my number fourteen Pébéo paintbrush smearing yellow ochre colors on my crisp, white canvas. My right hand moving swiftly as if it was dancing across the deep blue sea. Characters are being formed and rhythms are being created. As I am constructing my work of art, my mind quickly bounces back in time to when I was a college student studying Africana Women’s Studies and Entrepreneurship. My love for women’s studies, feminism, and activism was starting to reflect in my painting. Beautiful silhouettes swaying in motion symbolizing freedom, African symbols to represent my lineage, and bright colors to signify my support in the fight for environmental justice. My painting was coming to life. Oh, yes, this would be a masterpiece in my opinion (and mind).

As my entrepreneur niche kicked in, several thoughts formed in my mind like a path; I am an innovator with the ability to produce and convert new ideas. I can incorporate art and activism into a successful business. I can be a business woman with multiple elements. I can have stability while utilizing my talents in life. I can use my entrepreneurial instincts and habits to create a foundation for a life with unlimited prospects. In this moment, I realized my parallel tri-life of being an entrepreneur, artist, and activist was weaving itself together like a fabric machine.

Swish! Swish! That is the sound of my business being created. That is the sound of me hanging my painting in an immaculate museum space. That is the sound of me supporting what I believe in. That is the sound of balance in the life of an entrepreneur, artist, and activist.

This is my daily life. I have never felt better about being the person I was created to be. We are all multiple mixtures of different components. This is my testimony, that with full focus, all things are possible; even if people tell you otherwise. My life is balance and the ‘tri-life’ is my life.

Schree Chavdarov uses her background in social justice to connect communities to their most valuable resources. Her experience brought her from grant-writing for the Louisiana Bucket Brigade in New Orleans to serving as community arts coordinator for LEAF Community Arts in Asheville, NC. Schree is also currently enrolled in the Masters of Entrepreneurship Degree Program at Western Carolina University.

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Leveraging Technology for Organisational Excellence

Technology & HR-Leverage one for the other: “Technology and HR are enablers of business. Integration of the two would mean not only harmonious co-existence but also leveraging one for the other. Leveraging of technology for HR would mean digitizing the mundane HR activities and automating the back office and transactional activities related to recruitment, performance management, career planning, and succession planning, training and knowledge management. Leveraging HR for technology implies managing change associated with technology by way of communication, training, hiring, retraining, stakeholder analysis and conscious keeping. Thus they can play complementary roles.”

Technology and HR both have one thing common i.e., both these are enablers of business.

In recent times, technology has become synonymous with information technology, as hardly any other technological development of the past would have impacted all spectrum of business as information technology has impacted. Irrespective of the kind of business you are in i.e., services or goods, commodity or branded, trading or manufacturing, contemporary or traditional deployment of information technology in one form or the other is a foregone conclusion. To manage and deploy technology in an effective way, all business Organizations would need knowledge workers. Managing of these knowledge workers is the responsibility of HR function. Hence the integration of technology and HR is an absolute must.

Having understood technology and HR in the present context we must understand integration in this context. Integration would not only mean harmonious co-existing but would also mean one enhancing and complementing the other i.e., technology is used to enhance effectiveness of HR and HR functions helps in adopting and managing change which technology deployment brings in.

Leveraging technology for HR

HR management as a function is responsible for deliverables like business strategy execution, administrative efficiency, employee contribution and capacity for change. All these are accomplished through what HR people do i.e., staffing, development, compensation, benefits, communicate organization design, high performing teams and so on. In majority of these areas technology is being deployed.

e-Recruitment

Recruitment is one area where all the companies worth their name leverage IT. There are two different models of e-recruitment, which are in vogue. One is recruitment through company’s own sites and the other is hosting your requirement on the other sites e.g., monster .com, jobsdb.com, jobsahead.com, naukri.com, and jobstreet.com and so on so forth. The first models is more popular with the larger companies who have a brand pull for potential employees e.g., G.E., IBM, Oracle, Microsoft, HCL, ICICI, Reliance, Mindtree consulting etc. Other companies prefer to go to the job sites. Some are adopting both.

E-recruitment has gone a long way since its start. Now these sites have gone global. Sites like jobsahead.com and monster.com have established global network, which encompasses separate sites for jobs in Australia, Denmark, Belgium, and Canada etc. Job seekers are able to search job by region or country and employers target potential employees in specific countries. For example, 3 Com recently posted a company profile on the Ireland site that highlights the contributions of 3 com’s Irish design team in its global projects.

In the early days e-recruitment was plagued with flooding the employers with low-quality bio-data’s. Again technology has come as a savior. Now pre-employment testing like the one introduced by Capital One, a US based financial company, help in filtering the applicants. These tools test online e.g., applicants for call centers. ‘Profile International’ a Texas based provider of employment assessments, has developed tools that allow instant translation of assessment tests between languages. Further developments like video- conference specialized sites, online executives recruitments and combining online and offline methods are leading to more and more companies adopting e-recruitment at least as a secondary recruitment method. Arena Knights Bridge, a US based IT company conducts video based interview of its prospective employees and only short listed employees are met in person. Even Cisco was to launch the same.

Employee Self Service

Employee self-service is perhaps one utility of IT, which has relieved HR of most of mundane tasks and helped it to improve employee satisfaction. Employee self services is a plethora of small activities, which were earlier carried out by employee through administration wing of HR. These are travel bookings, travel rules information, travel bills, leave rules, leave administration, perk administration, etc. Earlier all these rules and information were in the custody of HR. Every user employee was expected to reach out to HR and get it done. Now with deployment of ESS in most of the companies, employee can request for travel related booking online, fill his/her T.E. bills, apply for leave, log time sheet and see his perks value disbursed and due etc. E.g., in Ballarpur Industries Ltd. leave administration is completely digitized in its corporate office. It is working towards digitizing travel related activities, perks and even compensation management and performance management administration. ‘Digitize or outsource all the mundane and routine focus only on core and value add’ – Vineet Chhabra V.P. -PDC BILT.

Communication

Communication which is most talked about management tool has always been a gray area in HR management. In large companies with vast geographical spread communicating with all employees had really posed formidable challenge to HR professionals. Technology has again come for rescue. Starting with telephones, faxes, e-mails and maturing into video conferencing, net cast, web cast etc. communication is one area of HR, which has been greatly benefited by technology. Mouse & click companies like Oracle, IBM has an intranet which caters to most of the information needs of its employees. Brick & Morter companies like BILT also have made a foray into deploying intranet for internal communication, which has corporate notice board, media coverage, and knowledge corners.

Knowledge Management

Another area of HR, which is leveraging technology, is employee development. Programmed learning (PL) i.e. learning at its own pace is one of the most effective ways of adult learning. Use of technology for this purpose can’t be over emphasized. Aptech Online University and ‘The Manage mentor’ are some of the Indian sites, which are in this business knowledge management, which is an integral part of any learning organization, which cannot become a reality without technology. Companies can harness the knowledge of its employees by cataloging and hosting it on the intranet. Talk to ‘Big-5’ or not ‘so big’ consulting companies you will find that main stay of their business is the knowledge repository. Technology has enabled them to retrieve it swiftly. In the competitive environment where speed is the name of game technology driven Knowledge Management constantly provides a strategic advantage.

If you look at HR module of ERP solutions like people soft, SAP, Oracle and Ramco they provide you with a comprehensive package which helps in man-power planning, recruitment, performance management, training and development, career planning, succession planning, separation and grievance handling. A transaction happening in all these areas are digitized and form a closed loop ensuring employee database is always updated. E.g. a joining letter of a new employee is system generated. It will be printed only when all mandatory fields of information are entered. Similarly a transfer order or a separation letter is issued from the system only if that transaction has been carried out in the system.

For career planning, success planning, skill and competencies matrix methods are used by most of these systems. They search an employee with the required skills first in the in-house database of employees. Once put in practice in letter & spirit, this system not only enhances business results by matching the right candidate for right job but also improves retention of employees.

Processing payroll, churning out time office reports, providing HR-MIS are some other routine activities of HR which have been off-loaded to technology.

Leveraging HR for Technology

All HR professionals, preaching or practicing, learning or experimenting, teaching or studying have experienced leveraging technology for HR. But most of us come across a situation where we need to leverage HR for technology. Let us understand what do we mean by this.

Whenever technology is deployed afresh or upgraded it involves a change. The change may be at the activity level e.g., applying for leave through the intranet or at the mental model level e.g., digitizing the process succession planning which have been HR professionals forte. The people have always registered adopting change. This is one area where HR professionals are to deliver i.e., become change agents and lead the process of technology and change adoption. The resistance to change is directly proportional to speed of change. Now speed of change has increased and hence resistance.

Just to take an example, most of ERP implementation in the world have not been able to deliver all the expectations. Some of these have failed to deliver at all. While analyzing the cause of failure it has been observed that 96% of failures are because of people related issues and only 4% are because of technology.

It is the people who make the difference; hence HR should exploit its expertise to facilitate the adoption of technology. I would like to put together some of the thoughts on what HR should do for this.

At the time of recruitment, stop hiring for skills rather hire for attitude and a learning mind. Skills of today are no longer valid tomorrow. Managing ever changing change is the only criteria for success.

Functional or technical skills can be acquired during the job. Hence recruitment in the technology era needs to undergo a paradigm shift i.e., from a skill/competency based it needs to be attitude and learning mind/ ability based interview. That would translate into hiring for skills for future. In IBM every employee has to fill in his/her individual development plan where the employee commits its learning one/two new skills every year thus remaining competitive every time.

If we look at the chemistry of resistance to change it is either a skill issue or a will issue. To address the will issue we need to work at a comprehensive solution starting from recruitment (as discussed earlier), reward, compensation and leading to organization culture which promotes change. A living example is 3M, a US based company, where innovation is way of life, where 10% of revenue must come from new products every year. For them change becomes way of life.

To address the will issue further organization need to prepare a communication strategy which creates a ‘pull’ for the technology. For example, in Ranbaxy, when they went for SAP implementation they anticipated resistance. To address this they started a house journal, which was aimed at educating the employees on the benefits, which will result from adoption of ERP, SAP. This created a need rather a potential need or a latent need was brought out. Adoption of ERP did not become much of a problem.

At times adoption of technologies is perceived as a threat by the employees e.g., automation leading to reduction in workers, office automation leading to retrenchment of clerks etc. HR needs to be associated with the technical adoption right from the beginning till the end. At the selection of technical stage if HR is associated, it can map the skills required and create a pull during implementation and adoption. Post adoption it can release the excess non-re-allocatable employees.

To understand this process more clearly we can take example of ERP implementation. ERP is taken as an example as this is one technology adoption which effects employees across the org. irrespective of function and position. Any other automation may have affected only a segment of organisation. ERP implementation in any organization goes through the following stages.

1. Selection of package

2. Business analysis

3. Solution design

4. Configuration and customization

5. Conference room piloting (CRP)

6. Go-live and production

At each stage HR has to play a role, which will help in mitigating resistance to change.

During selection process, the change agent can understand the business benefit ERP would bring. This would help him to draw a comprehensive communication plant aimed at creating a ‘pull’ for the change. The communication plan may use its various weapons from the armory. The obvious examples are Newsletters, Newsflash. In-house journal, addressing by the top management, web cast, open house sessions, meetings formal and informal.

During the business analysis phase implementation team is supposed to analyse the existing business processes. At times this leads to surfacing of some data which is not very desirable by the process owners, leading to resistance at this stage, HR has to be again proactive and carry out a detailed stake-holder analysis. Such an analysis should give a lead to potential areas of problem and potential champions of change.

Solution design involves defining ‘To-be processes’ i.e., the way business would be carried out in future. At this stage HR has to play the role of catalyst to turn the heat on. The idea is to ensure to make maximum out of an opportunity of package enabled business transformation. HR can play a role by arranging to educate and train the right people on best business practices, just before this phase.

During the configuration and customization HR has to keep on beating the drum, the customization of a standard package is a big no-no. Similarly, during the conference room plotting (CRP) it should help in identifying the right persons to be involved in CRP. A thorough testing at this stage would result in lesser pain at the time of going live. This is also time to focus on training of end users, the employees who are going to use the system once implemented. Training- retraining -training to ensure all the prospective users are comfortable with usage of software before the system goes live.

During the go-live stage HR has to work over time to keep the motivation levels high. This is the time when management starts losing patience as one glitch after the other keeps appearing and virtually bringing the business to halt. At this stage, HR has to play ‘conscious keeper’ for the top management once into product relocating the surplus is a challenge for which it has to be prepared before it.

This examples makes it clear that involvement of HR during the entire life cycle of technology is valuable. ERP is not an isolated case. It is true for any other technology adoption only finer details may vary. Hence HR must play a proactive role rather than being just a silent spectator or mere executers of the wishes of business or chief technology officer in case of technological changes.

Having set the case in different perspective, it seems only logical to leverage technology for HR and vice-versa.

Mr. Amarendra B. Dhiraj is a frequent speaker at internationally renowned global events, CEO/CTO/CIO Roundtables, Technology Conferences and Symposiums. He hosted and organized the Executive Technology Leadership Forum. He specializes in strategy, innovation, and leadership for change. His strategic and practical insights have guided leaders of large and small organizations worldwide.

 

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The Hudson River School of Painters

1. Forces and Philosophies behind the Movement:

At the dawn of the 19th century, everything in America was new. Towns were new. Government was  EarnWithSocial.new. Infrastructure was new. Even its spirit was new. And a new breed of painters was about to capture it on canvas. But their origin, like many of the country’s aspects, can be traced across the Atlantic to Europe-in this case, to the Romanticism movement.

Spreading across the continent during the previous century, and serving as the artistic core of poetry, painting, and even architecture, it replaced the traditionally restrictive, intellectual and factual approach to life with one of contemplation and expression, particularly of its awe-inspiring features, such as its vast forests and limitless skies. These, according to this philosophy, could only have been created by a Source far greater than the contemplator, and it took his limitless soul to be able to connect with it. Finite intellectual understanding, it was concluded, was no opponent for infinite creations.

Artistic works served as expressions of what may have been man’s ascent back to his original, enlightened origins-namely, that he had begun to (re)realize that he was a combination of physical, intellectual, and emotional properties, and it was only the latter which had enabled him to replace reason with emotion, gaining a new relationship with nature in the process.

Like a series of lights re-lit after a long, dark winter, this philosophy spread across Europe, each of its countries beginning to flicker as they focused on their natural beauty.

Art, traditionally following form, now did the opposite. Instead of reflecting a formal English garden, for instance, paintings now increasingly represented informal nature, which was seldom so meticulously patterned and planned-at least not by man. Scenes appearing on canvases were representations–not artificial, idealized images-and with them came acknowledgment and acceptance of what “is” and not what “should be.”

A counterforce, opposing order, balance, and symmetry, arose.

Society, again only subconsciously aware of its impinging enlightenment, evolved, as expressed by its shifting beliefs. Medievalists, for example, had viewed nature as sinful, seeped with Christianity-incompatible pagan gods, while Classicists felt that, if nature were left untamed, that it would remain chaotic. As a result, it could only be rearranged into proper order by the touch of man. But Romanticists saw it as a natural expression of faultless beauty to be enjoyed and appreciated, and man’s hand only marred, spoiled, or uncreated it.

Although these forces and philosophies ultimately floated across the Atlantic, there were several fundamental differences to the movement, which began to take root in North America. The European philosophy was, first and foremost, a revolt against classical traditions and their established beliefs. Because the New World had no formal school of arts–whether they be of the painting, prose, or poetry genres–before the dawn of the 19th century, there was no need for such a counter-movement. Traditional portraiture constituted the primary artistic legacy of the latter, 18th- century Colonial period. That few examples of landscape painting remain from this era indicates that little value had been attached to it.

But 1800 would serve as both the threshold to the new century and to its shifting values. Having already established its foundation of independence and government, America now turned its attention to its aesthetic side, establishing pride in the natural beauty its new shores had provided. The principle medium through which this pride was expressed was art.

Like a collective canvas waiting for a brush, the Hudson Valley posed for painters, enticing them with its lush river, forest, and mountain vistas, and providing the stage where that beauty could be captured, expressed, and interpreted. The stage, in essence, served as the incubator of an American painting movement.

The Catskill Mountain House, the country’s first resort, opened in 1824. Along with the Hudson River-dotted summer retreats, it attracted tourists and travelers, who were spurred into exploring the area by a flourishing economy. Since America’s still budding, nature-expressing trend arose in original form as Romanticism in Europe, it is not surprising that it was carried across the ocean by a European, who became one of the earliest venturers to be lured here by its pristine beauty. His name was Thomas Cole.

2. Thomas Cole:

Born in Bolton-le-Moor, Lancashire, England, on February 1, 1801, Thomas Cole served as an engineering apprentice in a calico print factory before relocating to Philadelphia as a young artist. Despite having subsequently embarked on an overland wagon journey to Steubenville, Ohio, with his family, he quickly aborted the attempt, returning to pursue a career as a textile print designer. It provided an initial, albeit tenuous, connection to art.

 

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Basic Dog Commands – Training a Puppy

All things in life need to grow and develop. This applies to our relationships as well. This also applies to our relationships with our dogs. Whether you just got your furry best friend and want to plant the seeds of a harmonious long-term friendship, or you have been living together for a while, and want to take your relationship to the next level, we all need guidance sometimes. And just like you would go to a specialist if you wanted more out of your relationship with your partner, you would go to a… dog training school if you needed to work on your relationship with your dog.

The question is, how do you find a good specialist? Now, if you were just feeling under the weather, you would probably go to a general practitioner. But what if you had a toothache? I bet you would go to a dentist instead! Same with  3km.dog training. First, you need to decide whether you want to work on general obedience, aggression, separation anxiety, or maybe you want to take on therapy dog training or a protection dog training course. And then you got to read on because we created a list of local hidden gems in San Diego area that specialize in exactly the kind of dog training classes you want!

Now, what types of dog training schools are we going to look at exactly?

Dog Obedience Training

Aggressive Dog Training

Protection Dog Training or Guard Dog Training

Behavior Modification Dog Training – Dog Separation Anxiety Training

Therapy Dog Training

Service Dog Training

We will also take a look at such training types as a dog training camp, group classes, in home dog training and online dog training.

All of these gems have 5-star ratings on Yelp, tons of happy clients and they are local, oftentimes family-owned businesses, so you can make great friends among your neighbors while doing some training as well!

First things first, there are plenty of options out there in regards to dog training. How do you know which one is good for you? Here are 6 tips.

6 Tips For Picking the Right Dog Training School

1. Know That the Dog Training Industry is Unregulated

That means that virtually anyone could call him or herself a trainer, sadly. However, there are certifications and organizations that can help you identify those who actually have the right designations and experience. Always check to see if the trainer has some of the following certifications: The Association of Professional Dog Trainers (APDT), The Academy for Dog Trainers (ADT), the Certification Council for Professional Dog Trainers (CPDT KA), the Karen Pryor Academy for Animal Training & Behavior (KPAATB), or the International Association of Animal Behavior Consultants. Being the primary educational organization for trainers, APDT has a very useful resource called Trainer Search that allows you to find trainers in your area based on your city or zip code. Great tool! Note that if a trainer is certified by the APDT it does not necessarily imply that he or she uses a specific training method, which brings us to the next tip.

2. Know the Training Methods Used

Now, all trainers have different training methods, but here are a few basic things that would help you swim confidently in the sea of trainer jargon. There are currently 4 basic methods of training that stem from behavioral psychology: positive reinforcement, negative reinforcement, positive punishment and negative punishment. Now, the words positive and negative aren’t representing the concept of “good and evil” here, they function more like they would in math, with positive meaning addition and negative meaning subtraction of something. It will become clearer in a second.

Positive Reinforcement

This is the most popular method today, and, sure enough, you are all familiar with it. Positive reinforcement has, at its core, rewarding a dog for desired behavior usually with a treat, a toy or play time, depending on what motivates your dog the most. The trick is to pick the right timing: just as your dog does the desired behavior, reward him or her right away, and supplement the treat with a high-pitched “good dog”, to make sure your pet realizes how pleased you are with this behavior. See how a treat is added here? This is the positive part, the addition.

Negative Reinforcement

This technique involves taking something unpleasant away to reinforce the desired behavior. That is how electric fences work, for example. When a dog gets too close to the perimeter, it gets a shock, but the shock disappears the moment the dog moves away from the boundary. This way, the dog learns to stay away from the perimeter. See the subtraction here – the unpleasant sensations are taken away to reinforce a behavior, this is negative reinforcement.

 

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Digital And Wellness In The 21st Century

The internet was an invention that brought a wave of change into the lives of people. It created a new dimension where people could spend their time and give themselves a different identity. The necessity of having one’s presence online has further boosted the amount of time spent in the web – world.

The concept of digital wellness is one that is slowly coming into effect for the mental and emotional benefits of individuals. It stresses upon the necessity of using technology by taking the necessary precautions and making sure that anything portrayed is appropriate. We can’t deny the fact that technology is now dominant in everyone’s lives and has given rise to advancements in medicine, business etc. It has been a factor of reducing distances between people immensely by making communication across physical barriers easier. But as they say, the easy way out may not be the simpler way out.

The advent of websites such as Facebook, Instagram and Snapchat has given all the youngsters an opportunity to have an identity aside from their usual real selves. This is one world where they have the freedom to be anything they’d like. It allows    Newsrooms  people to feel empowered in some ways. But taking advantage of being behind the screen or taking whatever is portrayed on the screen is not beneficial to one’s identity. Thus this concept of having a separate personality online needs to be exercised with caution.

Considering the amount of time people spend online, it is turning into a major cause of mood disorders. Most people who are addicted to social media are capable of living away from reality which isn’t the ideal way of life. One of the first steps one needs to take towards cultivating digital wellness is to exercise restrain by disciplining oneself that it’s not necessary to remain online 24 hours of the day. Given are the steps one can take and things one can keep in mind, to maintain a balance with reality.

Know Your Intentions: When you post any content online, it’s very important to know beforehand that the content uploaded solely is your responsibility. You need to make sure it doesn’t contain anything that may hurt another person who may read or watch the content. Though everyone has the right to express anything without any hesitations, you must have real and good intentions behind posting anything on the internet.

Limit Time on Social Media: Spending too much time on social media not only limits your chances of utilizing that time in a better manner but you will also find that you feel very drained and unmotivated due to distressing content online. Hence it is ideal that you focus on the positives and make sure to set a time limit to scrolling through social media. This way you’re saving precious time and saving yourself from being subjected to mood disorders.

 

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5 easy steps to Credit repairs

Title:
5 easy steps to Credit repairs

Word Count:
509

Summary:
There is an unfortunate stroke of luhttps://www.x-sex24.com
ck and you have engrossed yourself neck-deep in bad credit. Credit repair seems to be the need of the hour. You need a dolphin-jump to free yourself from the shackles of bankruptcy and you are out of ideas

Keywords:
Credit repair,Bad credit,Bankruptcy

Article Body:
There is an unfortunate stroke of luck and you have engrossed yourself neck-deep in bad credit. Credit repair seems to be the need of the hour. You need a dolphin-jump to free yourself from the shackles of bankruptcy and you are out of ideas. You are loaded with bank notices and warnings. How do you handle this stressful bad credit? You are just a layman and bankruptcy can dig up nightmares for you. This is really getting on your nerves. Well, the very sensation seems stinky. It feels miserable if you are glued with bad credit and you need a quick guide to credit repair.

A few handy tips, well imbibed can raise your eyebrows and get you exercising your jaw. These can give you a reason to smile and can set you back on your track. But self help may be the best help. You don’t need to be depressed. Bad credit can be repaired through a few systematic steps and make you credit- worthy in some time.

5 step guide to credit repair

1. Getting your credit reports
There are three chief credit government departments that regulate these credit functions. TransUnion, Experian and Equifax. You need to research up and get to know their opinions about your case in specific. There is every chance of diverse viewpoints amongst all three. Those in bankruptcy hunting for credit repair need to report to only one particular bureau to whom they subscribe. Thus people with bad credit don’t need to report to all three. You can get reports from all three for $9 each and can get them free if you have been denied insurance, employment or credit due to bad credit. You can obtain them in 60 days after your rejection. The most considerable report can be considered by you as an option.

2. Examine the reports

Once you obtain the reports check them in every nook and corner for any kind of mistakes. The reports may be erroneous as these bureaus do not cross check the information provided by the credit companies to them. Be sure to look for any obsolete information and erroneous account records. Be painstaking enough while organizing and preparing points of dispute. If there are any false points there you can look to rectify them through your good habits and timely billings and fight bankruptcy.
3. Dispute reporting
Report the points of dispute to the credit bureau after thoroughly preparing a list of errors and their proper justification. Remember to keep the supporting documents, letters, identity proofs, address proofs and other important documents that can get your errors rectified. You must then send them to the credit authority to rectify the errors.

4. Dissolve bad credit and escape bankruptcy
You can use various consolidation techniques and also recommend the bank to lower your installments. You can also take various credit cards and diversify risks.

5. Show your credit worthiness
You can approach petrol pumps, banks, companies, shops, etc that have your previous proofs of purchase and liquidity. You can forward these to the bureau, gain their trust and repair credit.

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3 Steps To Profitable Stock Picking

Title:
3 Steps To Profitable Stock Picking

Word Count:
531

Summary:https://www.discoverybit.com

Stock picking is a very complicated process and investors have different approaches. However, it is wise to follow general steps to minimize the risk of the investments. This article will outline these basic steps for picking high performance stocks.

Step 1. Decide on the time frame and the general strategy of the investment. This step is very important because it will dictate the type of stocks you buy.

Suppose you decide to be a long term investor, you would want to…

Keywords:
stock, stocks, stock picks, stock picking, stock pick, stock analysis, portfolio management

Article Body:
Stock picking is a very complicated process and investors have different approaches. However, it is wise to follow general steps to minimize the risk of the investments. This article will outline these basic steps for picking high performance stocks.

Step 1. Decide on the time frame and the general strategy of the investment. This step is very important because it will dictate the type of stocks you buy.

Suppose you decide to be a long term investor, you would want to find stocks that have sustainable competitive advantages along with stable growth. The key for finding these stocks is by looking at the historical performance of each stock over the past decades and do a simple business S.W.O.T. (Strength-weakness-opportunity-threat) analysis on the company.

If you decide to be a short term investor, you would like to adhere to one of the following strategies:

a. Momentum Trading. This strategy is to look for stocks that increase in both price and volume over the recent past. Most technical analyses support this trading strategy. My advice on this strategy is to look for stocks that have demonstrated stable and smooth rises in their prices. The idea is that when the stocks are not volatile, you can simply ride the up-trend until the trend breaks.

b. Contrarian Strategy. This strategy is to look for over-reactions in the stock market. Researches show that stock market is not always efficient, which means prices do not always accurately represent the values of the stocks. When a company announces a bad news, people panic and price often drops below the stock’s fair value. To decide whether a stock over-reacted to a news, you should look at the possibility of recovery from the impact of the bad news. For example, if the stock drops 20% after the company loses a legal case that has no permanent damage to the business’s brand and product, you can be confident that the market over-reacted. My advice on this strategy is to find a list of stocks that have recent drops in prices, analyze the potential for a reversal (through candlestick analysis). If the stocks demonstrate candlestick reversal patterns, I will go through the recent news to analyze the causes of the recent price drops to determine the existence of over-sold opportunities.

Step 2. Conduct researches that give you a selection of stocks that is consistent to your investment time frame and strategy. There are numerous stock screeners on the web that can help you find stocks according to your needs.

Step 3. Once you have a list of stocks to buy, you would need to diversify them in a way that gives the greatest reward/risk ratio. One way to do this is conduct a Markowitz analysis for your portfolio. The analysis will give you the proportions of money you should allocate to each stock. This step is crucial because diversification is one of the free-lunches in the investment world.

These three steps should get you started in your quest to consistently make money in the stock market. They will deepen your knowledge about the financial markets, and would provide a sense of confidence that helps you to make better trading decisions.