Business

How to start a business business plan

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Millions of people want to know what the secret to making money is. Most have come to the conclusion that it is to start a business. So how do you start a business? The first thing you need to do to start a business is to create a business plan.

A business plan is a formal statement of a set of business goals, the reasons why they are believed to be possible, and the plan for achieving those goals. It may also contain background information about the organization or team trying to achieve those goals.

A professional business plan consists of ten parts.

1. Executive Summary

The executive summary is often considered the most important section of a business plan. This section briefly tells your reader where your business is, where you want to take it, and why your business idea will be successful. If you’re looking for financing, the executive summary is also your first opportunity to capture the interest of a potential investor.

2. Company description

This section of your plan provides a high-level review of the different elements of your business. This is similar to an extended elevator pitch and can help potential readers and investors quickly understand your business goal and unique proposition.

3. Market analysis

The market analysis section of your plan should illustrate your industry and market knowledge, as well as any of your research findings and conclusions. This section is usually presented after the company description.

4. Organization and Management

Organization and Management follows the Market Analysis. This section should include: the organizational structure of your company, details about the ownership of your company, the profiles of your management team, and the qualifications of your board of directors.

5. Service or Product Line

Once you have completed the Organizing and Managing section of your plan, the next part of your plan is where you describe your service or product, emphasizing the benefits to current and potential customers. Focus on why your particular product will fill a need for your target customers.

6. Marketing and Sales

Once you have completed the Service or Product Line section of your plan, the next part of your plan should focus on your sales and marketing management strategy for your business.

7. Financing Request

If you are looking for financing for your business venture, use this section to describe your requirements.

8. Financial projections

You should develop the Financial Projections section after you have analyzed the market and set clear goals. That’s when you can allocate resources efficiently. The following is a list of critical financial statements to include in your business plan package.

9. Marketing and Sales

Once you have completed the Service or Product Line section of your plan, the next part of your business plan should focus on your sales and marketing management strategy for your business.

10. Appendix

The Appendix should be provided to readers as needed. In other words, it should not be included in the main body of your business plan. Your plan is your communication tool; as such, it will be seen by many people. Some of the information in the business section you won’t want everyone to see, but specific people (such as creditors) may want to access this information to make lending decisions. Therefore, it is important to have the appendix within easy reach.

How to make your business plan stand out.

One of the first steps in business planning is determining your target market and why they would want to buy from you.

For example, is the market you serve the best for your product or service? Are the benefits of dealing with your business clear and aligned with customer needs? If you’re not sure of the answers to any of these questions, take a step back and review the foundation of your business plan.

The following tips can help you clarify what your business has to offer, identify the right target market for it, and create a niche for yourself.

Home Kitchen

How to tell if a Murano chandelier is authentic

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Have you ever wondered how Murano makes the beautiful glass chandelier that hangs in all the great houses around the world? Believe it or not, they are still made by hand in glass factories on the island of Murano, about 17 minutes from Venice, Italy. These centuries-old techniques are still used today to make Murano glass, which is some of the best glass in the world. But chandeliers are not made of glass. They are made by hand from glass.

The glassmaking techniques used by Murano glassmakers have kept their glassmaking secret for centuries. They were moved to the island of Murano in 1291 because it was feared that their glass-making furnaces would cause a fire. They became famous throughout the world with the glass they made. No one could make glass vases, chandeliers, lamps, or jewelry like the glassmakers of Murano. Today, its glass is still highly sought after. However, there are many who sell “Murano glass” that is not from the island.

There are several types of Italian chandeliers sold under the Murano name, but they are not true Murano glass. Chandeliers can be made from three different types of glass. The first is rock crystal, which is a natural mineral found in the earth’s crust. They are sometimes used as rhinestones and are still used to make jewelry. They come in various colors, from clear quartz to amethyst and rose quartz. They do not become Murano chandeliers.

The second is lead crystal where lead is added to the glass. It helps the glass break down light into a colored prism when it receives sunlight. It makes it reflect and refract. Lead crystal is never used in Murano chandeliers.

The third type of crystal is a rhinestone or imitation diamond. They are cut just like real diamonds, but are mainly used for fashion and interior design and in costumes, especially for pop artists and ballroom dance costumes.

None of these crystals are used in the making of Murano glass chandeliers. The word crystalline comes from the Italian word cristallo, which means crystal clear. It was used when Murano glassmakers created the first “crystalline” glass in 1450. It was perfectly transparent. That means I had no flaws, bubbles, or smoking spots on the glass. At the time, it was an amazing technology because glass was “clear like crystal.” That word has led to many misunderstandings about Murano glass chandeliers.

Although there are many manufacturers of glass products that claim to be Murano glass, you can tell real Murano glass by the label that is applied to the item. It cannot be removed unless you break the item. When looking for a vase, chandelier, glasses or jewelry made by Murano glass makers, look for the sticker. You will know that it is authentic and made on the island of Murano. This should be “crystal clear” for you before you purchase the item.

Auto

Synthetic motor oil: a way to save money

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Synthetic motor oil has become increasingly popular in today’s society and people have become educated about the money they can save by using them. From grease to gear lube, it’s essential for a car to have lubrication.

For several thousand years, the Romans used animal fat that was soaked in a rag to lubricate the wheels of their carts. Things started to improve in the 19th century with the industrial revolution. Major changes occurred in the transportation industry, as well as in agriculture, mining, and manufacturing. The first real synthetic oils appeared during World War II used in aircraft engines.

Synthetic motor oil compared to petroleum-based products is a bit more expensive to purchase initially, but the savings will add up very quickly. For example:

Suppose you buy petroleum-based oil and filter for your car and do your own oil changes. The cost of that oil, depending on where you go and what brand you buy, could be around $4-5 per liter and a filter for about the same price as a liter of oil, depending on the brand and the store you get it from. . Now, for the sake of conversation, we’re going to use some simple math to show how synthetic motor oil can save you money.

All of us who have driven for a while have been conditioned to change the oil in a vehicle at around three thousand miles. The cost of an oil change per change is only about thirty dollars. Let’s say you drive fifteen thousand miles in a year. That’s five oil changes equal to about a hundred and fifty dollars you’ll spend on oil and filter.

The cost of a synthetic motor oil per quart, again depending on where you buy it, can be as high as ten dollars per quart, which is double that of petroleum motor oil, and a good quality filter up to fifteen dollars. That’s three times the cost!

(This is where you’ll save money by using synthetic motor oil.) Some synthetic motor oils are formulated to get you fifteen thousand miles on a single change. You can spend sixty-five dollars on an oil change with synthetic oil for fifteen thousand miles or you can spend one hundred and fifty dollars on petroleum-based oils for the same number of miles driven. That’s a huge savings over a one-year period, not to mention these factors:

• You’ll save the time of four oil changes per year when you use synthetic motor oil.

• From an ecological point of view, there is less used oil to dispose of and that helps the environment.

• Synthetic motor oils reduce friction, which in turn reduces heat, which will prevent vehicle wear.

• You will see a difference in fuel efficiency with synthetic oil.

• Easier starts in cold weather.

All of these benefits add up to help reduce operating costs. Synthetic motor oil is a way to save money, time, and help preserve the environment.

Digital Marketing

Active list of keyword search tools

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Finding that keyword search engine tool you want to use is easy if you know where to look. Keywords are very important and finding the right ones is crucial if you are looking to use article writing as your primary tool in search engine optimization. So, to help you in your search for the best keyword tool, here is a short but important list that you should consider.

1. Market Samurai – When it came out almost a year and a half ago, it was just a keyword research tool, it has gone further, although its main focus is still keyword research. Also worth mentioning is the fact that all updates are free, you only have to pay once when you bought it and the data it provides is amazing and quite useful.

2. Word Tracker: It’s not free, but you do get a 7-day free trial, so if you’re busy you may end up with a STACK of very useful data and not pay their hefty fee. Don’t download it until you’re ready to spend a lot of time using it!

3.seocentro – This is a great FREE tool you use online. Give you quick facts. It gives you the number of competitor pages and they are clickable in a *broken down* way. The site also has a good rank checker.

4. Digital point range checker. With this one, you can (don’t need to) insert a code snippet and you’re good to go. You can search ANY website and see where you stand with yahoo. This is quite important since Yahoo finally gave in and sold to Google. As I said b4, very soon Google will own everything and WILL be the big brother.

5. Keyword Density Checker – This is a free keyword density checker that you can add to your Google widgets. It gives you plenty of data. It really helps you achieve optimal keyword density for a set of keyword terms. It comes from SEO Chat.

6. Another Digital Points Tool – This utility can be used to check search engines (currently supported by Google, Yahoo, and MSN) for search engine rankings and track history of those rankings, this is critical when market your website(s).

Relationship

How and why to wake up earlier

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While many prefer to stay in bed and put off that button, getting up early has its advantages. It’s a challenge for anyone who can’t sleep early. And although for a small minority of people, mornings are not their best time and they should sleep late, for most of us who start work in the morning, there are advantages and there are ways to do it.

Let’s first list some advantages:

You can have some relaxation time before leaving for work. Trying to get to work 30 minutes before the scheduled start time is always a good habit, as traffic problems or anything that happens on the way can delay you, so you can be on time despite any mishaps along the way. . If you are part of a loving couple, you can enjoy a special hug in the morning, further cementing your relationship. or you can go and enjoy a sport, from the gym to a morning walk or a 5-minute morning yoga routine. If you are a meditator or tapper, you can do your meditation or tapping in the morning as soon as you wake up. Or you can simply enjoy watching the sunrise evolve while listening to life outside slowly wake up.

In order to be able to get up early, of course, you need to sleep early enough. This depends on your day, so for example, if every Tuesday night you have a personal trainer or a yoga class or a reiki session, and you only get home at 10pm, then you have to go to the bed almost immediately. . This requires some planning. For example, being able to have an early dinner in some way. Most people generally agree that eating a heavy meal right before bed is not ideal.

So how can we go to sleep earlier?

I like to use EFT. Short for Emotional Freedom Techniques, also known as Tapping, EFT can help you relax and sleep. Tapping for “I’d be happy to go to bed at 10 pm,” for example, can help release any objections from your subconscious mind. You may have to do this for a few weeks for the full effect to kick in, but it only takes a few minutes, so it’s easy to do. For some, sleep is always a problem, because they are light sleepers and wake up frequently. This is also where EFT can help. EFT can release stuck energy imprints left in your mind-body due to negative events that you probably think you have dealt with and no longer affect you. However, their cumulative effect may still be lurking in your mind-body, causing you to fall asleep more and more lightly. Nutrition is also important, and it is good to consult an experienced functional nutritionist to ensure that nutritional needs for sleep are addressed. For EFT in this case, it is good to use an experienced EFT practitioner so that sleep can be safe so that you can get into the night more easily.

I hope this helps inspire you. In short, I believe that a combination of lifestyle habits, EFT (Tapping) and the right nutrition for your body can open up a whole new joy to you in the mornings. The life is for enjoy it.

Health Fitness

natural cure for diabetes

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Food therapy should be followed under the supervision of your doctor. Check your blood sugar often so that blood sugar levels do not exceed the recommended level

Foods to Avoid

It is always advisable to avoid some foods if you are diabetic, such as refined sugar, sweets, syrups, glucose, jam, molasses, fruit sugar, ice cream, cakes, pastries, sweet cookies, chocolates, soft drinks, condensed milk, cream and fried foods. Fats such as butter, ghee, and hydrogenated vegetable oil should also be avoided. White sugar and white flour should be drastically reduced. Avoid all processed foods, junk food, pastries, cookies, preserves and preserves. They contain harmful preservatives and a lot of salt. Avoid soft drinks as these have a lot of sugar. Try to avoid fried foods from your diet.
Smoking results in the depletion of oxygen in the body. It will result in the body needing less oxygen to metabolize glucose. Therefore, smoking should be avoided.

foods to limit

Salt intake should be reduced to a minimum. You will get enough salt from the vegetables and fruits you eat. Reduce foods of animal origin, especially red meat. Reduce the birds and the egg. Reduce caffeine and alcohol. Do not drink tea and coffee more than 2 cups a day. Try to replace it with green tea or herbal teas like parsley tea, cranberry leaf, tea made from young walnut leaves, water in which bean pods have been cooked is good for diabetes.

Do not consume alcohol on an empty stomach. Fasting alcohol can cause low blood glucose or hypoglycemia. Foods that should be consumed in moderation are honey and other natural sugars such as palm sugar, dates that can be used instead of white sugar. Remember that these should be consumed in very small amounts only. Pasta, coconut, other nuts, unsweetened juices, eggs should be limited. You can substitute it for whole grain, unpolished rice and soy products. Try to eat whole wheat bread instead of white flour. Fats like olive oil and peanut oil are more recommended than hydrogenated fats. Low-fat foods like skim milk and low-fat homemade cottage cheese can be eaten in moderation. You can also substitute it for yogurt. Seafood and fish can also be eaten in moderation.

food to eat

Drink at least 8 glasses of water a day.
An alkaline diet with natural foods is recommended. Whole grains, fruits, nuts, vegetables, and dairy products make up a good diet for diabetics. Raw vegetables can be taken in large quantities. Cooked foods have been found to raise blood glucose more than raw, unpeeled foods. Cooking destroys many of the enzymes and some vitamins and minerals.

Eat at least five fruits every day. Fruits such as grapes, pomegranate juice, blackberries, bananas, granny smith apples, figs, blueberries, blackberries, kiwis, and citrus fruits are recommended. It can be taken as a snack. cucumber, lettuce, onion, garlic, green beans, cucumber, radish, tomato, carrot, leaves; spinach turnip, cabbage and Jerusalem artichoke are good for diabetes. Colorful vegetables are good for the functioning of the pancreas. Drink fruit juice without sugar. Brewer’s yeast and alfalfa sprouts and mung beans are good for the body. Green plantain can also be cooked and eaten.

Most important of all, eat a high-fiber diet that reduces the need for insulin. It releases energy in the body slowly. Diabetes has also been found to decrease and may even disappear in people who eat a high-fiber or whole-food diet. High fiber diet has more chromium and chromium is very good for people with diabetes.
Eat plenty of potassium-rich foods like raw peanuts, tomatoes, bananas, melons, dry peas, potatoes, apple cider vinegar, skim milk powder, wheat, but don’t take potassium supplements.

Include soluble fiber in your meals such as barley, oatmeal, almond flour, dried beans, kidney beans, cooked black beans, peas, cereals, chickpeas, Bengal gram which has a low glycemic index, black gram, lentils and corn or chickpeas for help. significantly in lowering blood sugar levels. Soy products such as tofu, tempeh, soy milk, soy powder, bean sprouts, nuggets, etc. they are also very good at containing the neurological complications of diabetes. You can make bread with any of the whole grains. Get plenty of soluble fiber into your diet. When you eat a lot of bread, cereal, and starchy vegetables, you will get enough starches, which is very helpful for diabetes. Insoluble fibers, found in bran (oat bran, wheat bran), whole-grain breads, whole grains, and nuts, act as intestinal cleansers by cleansing the lower GI tract. Fiber cleanses the intestinal tract by moving food out so it doesn’t sit there and spoil. Buttermilk and yogurt diet are very beneficial.

Useful herbs and vegetables

1. Bitter Gourd (Karela): Momordica-charantia bitter gourd or bitter melon juice contains vegetable insulin and should be taken 2 ounces 2 times a day on an empty stomach. It has been found to be very effective for diabetes.
Prayed
It can be cooked like any vegetable and eaten.
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Bitter melon powder can be made by drying. Take bitter gourd powder 1 teaspoon daily on an empty stomach.

2. Taking half a teaspoon of cinnamon a day can help prevent the onset of diabetes. Even steeping cinnamon sticks in your tea could also benefit non-diabetics who have a blood sugar problem but don’t know it.

3. 30 grams of fenugreek seeds can be soaked in a glass of water at night, and after 12 hours, take it and mash it into a paste with the soaked water and drink it on an empty stomach.
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2 teaspoons if the powdered seeds can be taken with water or milk.
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You can add fenugreek to anything you cook.

4. Eating up to 3 grapefruits a day has also been helpful.

5. 1 tablespoon of amla (Emblica officinalis) after removing the seeds, extract the juice and mix with a cup of bitter gourd juice and take daily for 2 months on an empty stomach.

6. Gymnema Sylvestre a traditional Ayurvedic herb whose leaf should be taken up to 4 grams per day.

7. Indian mulberry seeds or Jamun seed powder (Jamun scientific name is Eugenia jambolana or Syzygium cumini L) is very good for diabetes. Take 1/4 teaspoon with 1 teaspoon of honey for 50 days.

8. Eating freshly crushed raw garlic 3-4 grams a day lowers blood sugar. You can wash it down with a glass of water.

9. Neem seeds daily 2 times per pinch. Taking a gram of neem leaf a day helps in diabetes.

10. Bael (Aegle marmelos): The leaves of the bael tree when chewed are very helpful in diabetes. The pulp of this fruit can be dried and taken in doses of 5 to 10 g per day.

11. A pinch of pure turmeric powder mixed with amla (Indian goose berry) juice and eaten every day on an empty stomach.

12. Using turmeric and gooseberry in equal amounts in powder form taken with warm water is very helpful in this regard. These activate the pancreatic cells and more insulin is produced.

13. Wild black jeerakam cumin seeds 60 g in 1 liter and boil and reduce to 1/4 liter and take half divide it into two equal parts and drink one part in the morning and one in the evening 2 times a day .

14. Grind (Bacopa monnieri) Bhrahmi and add a teaspoon to milk and drink.

vitamins that help

Supplements in natural forms are more conducive to the body.
Magnesium supplementation has been shown to improve insulin sensitivity.
Vitamin C: 500 mg is recommended. Vitamin E: This vitamin is very valuable for diabetes. A daily dose of 200 iu of vitamin E is recommended for fifteen days.
Chromium: Whole grains, seeds, mushrooms, corn oil, and brewer’s yeast are relatively good sources of biologically valuable chromium.
Vitamin A:. Take a dose of 15,000 IU every other day.
Vitamin B: Avoid large doses of vitamin B because this vitamin interferes with the absorption of insulin by cells.

things to do

Controlling your weight is the best way to treat diabetes. Exercise improves the body’s response to insulin. An exercise program should be started only on the advice of a doctor to avoid unnecessary complications. Walking, light games, jogging and swimming are also good.

Yoga can help a lot. To relieve stress, meditate once a day for 10 to 40 minutes. Yogic asanas like Siddhasana, Vajrasana, Talasana, Yastikasana, like Yogamudra, Hastapadasana, Paschimottanasana, Chakrasana, Ustrasana, Bhujangasana, Sarvangasana and Viparitakarani, like halasana, shalabhasana, dhanurasana, Pratipaksabhavana and shavasana will also be beneficial.

Legal Law

7 Steps to Protect Employees and Manage the Risk of California Workers’ Compensation Claims

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There are several things an employer can do to protect employees and manage the risk of California Workers’ Compensation claims. These are:

1. EVALUATE WELL BEFORE HIRING THAT EMPLOYEE

Reducing the frequency of your claims starts with hiring the right people for the jobs and functions they perform. Making sure you’re hiring an “A” player will not only improve your company’s productivity and efficiency, it can also lower your workers’ compensation costs. Prospective employees who have a history of “job switching” and short-term employment relationships may also have a history of California Workers’ Compensation claims. People who have filed fraudulent California workers’ compensation claims are often characterized by “quitting” their job, followed by periods of non-employment. While you may not discriminate against an applicant for filing a California Workers’ Compensation claim, employers should be on the lookout for applicants with irregular work history. Do your homework on each and every applicant, diligently confirming dates of employment and reasons they left their jobs. Also remember to do the following:

  • Perform a thorough background check (investigation gaps and transitions in employment)
  • Require physical pre-employment where applicable (generally there must be a bona fide, relevant occupational qualification to test).
  • The institute has a pre-employment drug testing program.

2. KEEP SAFETY FIRST THROUGH TRAINING AND SAFETY PROGRAMS

Employees must be constantly aware of the hazards that exist in the workplace and their possible consequences. Uninformed or untrained workers can be contributing factors to workplace injuries. Although California Workers Comp is no-fault insurance (the insured can pay regardless of who is at fault), many employees caught in accidents may blame their lack of knowledge or training as a contributing factor. To improve workplace safety, managers must initially and periodically train employees on proper safety techniques and practices.

Incorporating training in specific procedures and responsible labor practices is an ongoing responsibility. Close the skills gap and keep safe work practices a top priority for employees. Many safety-conscious employers I have inspected have large signs showing the number of days since a lost-time injury. Many other successful security managers have a security-conscious award that they use to promote people “caught in the act” for taking the extra time to follow security procedures. Also follow these best practices:

  • Keep your Injury and Illness Prevention Plan (IIPP) up to date.
  • Your employee handbooks should require immediate notification of any injury.
  • Hold monthly safety training meetings (especially to prevent common workplace injuries).
  • Carry out regular inspections.
  • Minimize hazards to avoid injury (document in your IIPP folder).
  • Offer group and individual incentives for security-conscious employees.

3. GIVE THEM MORE BENEFITS

Offering health insurance and retirement benefits provides employees with a better quality of life. Uninsured employees often turn to workers’ compensation to foot the bill when it comes to minor “Monday morning” strains and sprains, the most common of all injuries. When faced with high bills, employees may submit fraudulent claims to California workers’ compensation insurance carriers instead of purchasing health care out of pocket.

Providing health insurance can provide companies with special 5-10% discounts on annual health insurance premiums to help offset the cost of benefits when combined with workers’ compensation. Workers’ compensation insurers have a strong motivation to reward you; Your exposure to fraudulent and non-occupational claims decreases significantly when employees are covered elsewhere. For example, a joint venture with Blue Cross of CA and Fremont Insurance may provide a 10% credit to your Workers’ Compensation premiums in their preferred provider network program. Requirements apply, so check with your broker.

Another occupational benefit is the implementation of an early return to work program. This program gives the employee modified duty when recovering from an injury. Implementing a program will lower the cost of compensation payments (lost wages) to the insurer, thus reducing the total cost of the claim. Another benefit of this program is continued employee engagement. When employees are fully engaged in their work, they are less likely to consider alternatives to resolve their Workers’ Compensation claims. With the proper amount of time, rehabilitation, and care, your employee will return to work.

4. TAKE CARE OF YOUR EMPLOYEES

Employees injured on the job often apologize for the harm they have caused. Some even feel guilty about tarnishing the company’s safety record or reputation. In either case, don’t let your employee feel alienated or rejected as a result of an injury. That emotional separation from the employer commonly fuels employees’ decisions to retain an attorney or obtain legal advice regarding their claim. When workers’ compensation claims are litigated, the cost of the claims typically increases. This can affect your company’s loss experience and lead to increases in loss reserves and even your experience modification factor.

Take care of your employees and take care of all their needs, especially when an injury occurs in the workplace. Employees who have received treatment rarely see the need to sue their employer for the benefits of workers’ compensation insurance claims. Follow these steps:

  • It’s the employee is fine.
  • Does the employee feel safe?
  • Do you feel discomfort or pain?
  • Use a job fitness test.
  • Avoid “alienating” employees; spend time caring.
  • In the event of an emergency, take the employee to the medical provider of your choice.
  • In case of an emergency, get access to medical records.
  • In case of an emergency, contact your doctor.

5. INVESTIGATE AND LEAVE NO STONE UNTURNED!

Whenever an injury occurs, your government-mandated injury and illness prevention plan (IIPP) requires you to initiate an accident investigation. Take lots of notes and photos, if possible. Obtain factual data and detailed descriptions of the claimants’ physical characteristics, machinery, equipment, facilities, conditions, and environment. Ask witnesses to describe the accident in detail and sign their statements. Comprehensive investigative records that are accurate and timely provide incredible insight into the claim. By the time a litigated claim finally goes to court or on appeal, 18 to 24 months may have passed. Without a detailed description documented on paper, what the employee/complainant says could prevail. Keeping good records can help minimize the cost of the claim. Always remember:

  • Take exhaustive statements from witnesses.
  • Inspect the work area and conditions.
  • Take photos of the work area (if possible).
  • Keep research records in your IIPP.
  • Update your OSHA 300 (repeat injury) record.

6. MANAGE YOUR CLAIMS UNTIL CLOSING

Claims that are not closed in a timely manner increase your experience modification factor and therefore your California workers’ compensation premiums. By staying in touch with the medical provider (ideally an industrial medical clinic), employees, and other parties, you can help close claims and keep your experience low. After reporting a claim to your CA workers’ compensation insurance carrier, a loss reserve is set aside in your policy based on anticipated future costs for the employee to return to work. Such expenses may include medical costs, severance payments (lost wages due to injury), vocational rehabilitation, and temporary or permanent disability.

Once a year, your California workers’ compensation insurer sends a report card to the government agency that calculates your experience modification factor for the next policy year. The “Statistical Unit Report” provides workers’ compensation offices with information on both premiums paid and losses sustained as a result of injuries. If you have open claims during the time your unit’s statistical report is calculated, your experience modification factor may be overestimated. Always remember:

  • Maintain a good relationship with injured employees.
  • Report the accident in a timely manner.
  • Obtain and audit supplier invoices.
  • Corresponds with the claims adjuster; Keep a file.
  • Take steps to close claims.

7. KEEP YOUR ‘EX-MOD’ LOW

Be sure to request a copy of your experience modification worksheet (often referred to as an “ex-mod”) from your state’s workers’ compensation office. This document provides the calculation and the factors involved in developing your mod. Companies are often overcharged for workers’ compensation insurance premiums due to improperly calculated experience modification factors. Another report you should request is your run-of-loss report. This report from your insurer provides you with an accounting of your premium paid and your open and closed claims by policy year. Review any open claims and review any outstanding loss reserves. Please note that the statistical report of the unit is sent 6 months before the NAD

  • Know that the calculation date is 2 months before the NAD.
  • Request a copy of the loss streaks, unit stat, and carrier experience mod worksheet.
  • Take the initiative: in California, you can dispute the mod factor of your experience!

CONCLUSION

Like many issues plaguing businesses today, there’s only so much you can control when it comes to your Workers’ Compensation coverage costs. Failed and insolvent insurance companies have held the few players in the market hostage to the seller’s market due to limited underwriting capacity. The underlying imperative for prudent businesses is to either manage their costs controllable or hire a company that has a complete soup-to-nuts solution. In the end, you’ll find that a concerted approach with your management team, outside resources, and willing employees will be the ticket to lowering your California workers’ compensation premiums. A good insurance broker will help you implement all of the above suggestions at little or no cost.

Lifestyle Fashion

Coffee Culture Around the World

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What would you call a morning that doesn’t involve coffee? That’s definitely not a good day! Coffee has been an essential part of our start to the day. Not only that, coffee is a drink that remains popular at all times and among all age groups. Nowadays, different coffee shops and even online tea shops are increasing the culture of coffee and tea. Tea, coffee and other blooming beverages have become a part of our lives and no one is new to them. Coffee shops are no longer just for coffee. Different cafes and bistros around the block are meeting points and a place to share the latest gossip with your friends.

Coffee culture is basically a media term that is most popularly used for a social place that is surrounded by an atmosphere of coffee and tea around it. Due to the worldwide popularity, there are different forms and different rituals around coffee everywhere.

In Asia, people generally like to drink lighter and sweeter coffee compared to other Western countries. Cafes are often meeting places and social gatherings. Most preferred is Cappuccino. In Northern Europe, coffee is served at parties with homemade cakes, pastries and cookies. Coffee in Turkey gets slightly different. The beans are fine, and the water is boiled about three times and then placed in a long-handled brass pot. Sometimes cardamom or sugar is also added. The French usually drink coffee at the beginning of the day, and for the Germans it is a drink for social gatherings.

There are also religious limits associated with coffee and tea. Different religions have different things to say about coffee. In Islam, tea and coffee are prohibited only at the time of fasting. The fast lasts from dawn to dusk and all eatables, including water, are prohibited at that time.

Coffee is forbidden for Mormons. Also known as the Latter Day Saints, followers of this religion ban coffee because they believe it blocks their spiritual connections. According to the Words of Wisdom, it says, “Hot drinks are not for the body or for the belly” (D&C 89:9). It is interpreted that Joseph Smith actually meant tea and coffee because they were the only hot beverages available at the time.

According to Seventh-day Adventists, opinions about coffee are somewhat mixed. Previously, they banned it because they heavily emphasize a healthy diet. Therefore, they were banned as it contains caffeine. However, this view is somewhat deprecated now and is no longer implemented. Still, it’s supposed to be avoided.

In Judaism, there is really no problem with coffee. There are problems with kosher. Kosher issues arise from both tea and coffee. Flavored coffee can use different flavorings, flavored beans, and syrups that do not answer all kosher issues. The same goes for decaffeinated coffee as it contains ethyl acetate.

Rastafarians are quite similar to Seventh-day Adventists and generally emphasize a healthy diet. This genre prohibits the use of tobacco, alcohol, salt, coffee, meat, and other processed foods. Their diet depends mainly on cereals, fruits and vegetables.

Pets

Are Lhasa Apsos a “nasty breed”?

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Do some people think the Lhasa Apso is a “nasty” breed? Definitely not in my experience. So where does reputation come from? I have some theories…

When the breed became popular in the 1970s and 1980s, puppy mill breeders quickly jumped on the bandwagon, buying and breeding Lhasas for the sole purpose of producing puppies, selling them quickly, and making money. There were no thoughtful considerations regarding build, health, or temperament prior to breeding. The flood of cute fluffy puppies in pet stores, bought by people attracted by their appearance with little knowledge (because, to be honest, very little information about the Lhasa had been published “back then”) about the breed itself, of fact resulted in Lhasas with rather unpleasant dispositions. The breed’s reputation has been suffering ever since.

People buying a Lhasa puppy should know that Lhasas are intelligent, independent (some might say “stubborn”), dignified, and easy to offend. His sense of correct and fair play requires an approach to training that avoids shouting and physical punishment. By that I don’t just mean “don’t hit”; obviously you shouldn’t hit any dog. I also mean things like shaking the dog or pulling the dog’s leash. Lhasas think highly of themselves and most are eager to please their people. They respond well to treats, praise, and training games that are fun, playful, and intellectually stimulating.

Grooming is part of life for a Lhasa, so a large part of early training involves training the dog to groom itself. Although many people prefer to keep their Lhasas shaved or in some type of puppy clip, early training is still needed because those Lhasas will be visiting the groomer and need to know how to behave in order to make them welcome at the grooming shop. Honestly, I think one of the reasons the adjective “nasty” became attached to the Lhasa is the fault of owners who “routinely” take their matted Lhasa to the groomer maybe twice a year. Those dogs are not well behaved because they have not been trained to groom themselves. The poor hairdresser has to face a dirty, matted and scared dog who associates being in the hairdresser with getting hurt. Grunting and clicking noises occur. I blame owners for ignoring the dogs’ needs and putting them in a situation they are not prepared to deal with.

And, yes, there are Lhasas who are just nasty to the core, just like there are nasty individuals of any other race, and just like there are nasty people of all ages, from all walks of life, and from all ethnic groups. . In my opinion, we shouldn’t label an entire group bad because some of its members are rotten. That goes for dogs as well as people!

Please note: Permission is granted to reproduce and/or distribute the information in this article. However, the article must be released in its entirety and credit must be given to Joyce Johanson, Lhasa Apsos of Joyslyn. Thank you!

Real Estate

TOP 5 Reasons to visit Milan – Rent an apartment for a few days

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Everything is in Milan. All kinds of world fairs are held in Milan. In Milan there is Food Week, Design Week, Fashion Weeks, Art Week, museums, innovation, digital week… everything in short. Here we never get bored. Of course, everything is always in motion, but when we stop we do so in front of a good plate of pasta and a good wine.

Milano is the perfect blend of modernity and history… each spot offers and gives a thought, positive or even critical, but an effect, a sensation always arises… this makes it unique.

Rent an apartment to fully immerse yourself in the city. A beautiful apartment in a charming neighborhood doubles the travel experience and pleasure of staying in the city.

Take Milan as the city of arrival (or departure) to visit Italy. Dedicate a few days of your vacation in Italy to get to know this city. When you go back home and think of Italy, Milan will make the difference. Clearly, Tuscany, Umbria, Venice, Rome, are unique and characteristic Italian destinations… but you won’t expect it from Milan. That is why this metropolis could be the best “bridge” to other destinations.

The succession of different cultures, stratified and placed side by side, has made Milan one of the most interesting places in Italy. European metropolis, with a variety of sectors that serve as engines of the Italian economy, the city is a true national point of reference.

FIRST REASON TO BOOK A TRIP TO MILAN – SHOPPING AND DESIGN

If you love clothes, shopping in Milan is an experience par excellence. Milan, one of the world’s fashion capitals, is home to top-tier designer stores, boutiques and outlets ranging from the most expensive to the most affordable, while maintaining the quality and elegance that Italian fashion is famous for.

There is no shortage of the biggest houses and fashion ateliers in Milan. Giorgio Armani, Dolce & Gabbana, Gucci, Prada, Ferragamo, Valentino, Max Mara… all here… clothes and accessories may not be for everyone, but it may also be enough to look through the windows to recognize the style and appreciate the art . .

Streets like Via della Spiga or Montenapoleone that are located within the fashion district of Milan are an unmissable destination if you visit the city.

In recent years, several major brand outlet malls (such as those mentioned above) have sprung up on the outskirts of Milan, but they are easily reached by organized Shopping Tours buses, such as Serravalle Designer Outlet Mall, Scalo Milano and more. . If you want to have a truly great fashion experience, we can suggest Fashion Tours Milan.

If you prefer “lighter shopping”, via Torino, Corso Buenos Aires, Corso Vittorio Emanuele offers countless fashion stores.

Milan Design Week is the world’s most important event for

the “DESIGN ADDICTED”

The fair district of Milan hosts the exhibition, but the success of this event is the countless collateral initiatives that transform the city into open-air design museums and galleries. Performances, meetings, congresses, shows, gastronomic events, color and corners throughout the city.

Italian products and innovation, art, eccentricity, functionality, creativity, the Salone del Mobile in Milan is a stage that marks the history of design and furniture of yesterday, today and tomorrow.

Visiting Milan during the Design Week and the Fuorisalone is something incredible.

2ND REASON TO BOOK A TRIP TO MILAN – ATTRACTIONS, ART AND CULTURE

Milan, after Expo 2015, has been reborn. It is a city committed to valuing every excellence, every form of art and culture. The exhibition calendar of the Milan museums offers countless artists and events for all tastes.

Art museums such as the Museo del Novecento, Palazzo Reale, La Pinacoteca di Brera, Cenacolo Vinciano… Scientific museums such as the Planetarium, Museo della Scienza e della Tecnica, Museo Civico di storia Naturale… Not forgetting theaters such as the alla Scala, the Piccolo Teatro Strehler, the Arcimboldi, the Teatro Manzoni, the Teatro Nacional, the Ciak and much more.

The most famous and impressive monuments are undoubtedly the Duomo Cathedral, the Sforza castle and its Sempione Park, Santa Maria delle Grazie with the Last Supper by Leonardo da Vinci, the whole part of the Brera district, the Navigli of Milan ( always designed by Leonardo) … If you want to see something new, we sure suggest going to Piazza GAe Aulenti, Porta Nuova district, with its Unicredit Tower.

3RD REASON TO BOOK A TRIP TO MILAN – AMAZING FOOD, GOOD WINE AND SNACKS

Wherever you go, you will find bars and restaurants ready for you to enjoy good food and good wine.

Milan is an open city. You will find trattorias and restaurants that will serve you typical Italian dishes, made with traditional and original products from their region. Fresh food, good taste. Famous chefs started here. Milan is very demanding in terms of cuisine and for this reason you will find anything that can satisfy your palate.

In Milan, aperitifs are very famous, in fact, in the evening after a day of work, the bars serve “l’Aperi-cena”, which means that you will find all kinds of sandwiches, pasta, hams and cheeses, focaccia and pizza. , fries and much more… to be enjoyed with a good glass of Italian wine or a Spritz… maybe with a view of the Duomo

FOURTH REASON TO BOOK A TRIP TO MILAN – PUBLIC TRANSPORTATION, EASY ACCESS TO THE CITY OF MILAN

Milan’s public transportation options include the metro, bus, tram, and bicycles.

Milan’s public transportation system connects the entire city center, making it easy to get around the city’s most popular attractions. Opting for public transportation is a great “green” way to travel. It will also save you a lot of time and money (if you don’t take taxis, you can avoid traffic and lose a lot of cash)… which means more to spend on what you prefer!

The Milan metro is one of the most modern metro systems in Europe and has four metro lines. Line M1 (red): This line is useful, especially if you are traveling to Milan for business and want to get to Fiera Milano City or Rho Fiera. The line also stops at the Duomo and San Babila, the main historic center. Line M2 (green): The M2 stops at Milano Centrale station (where trains from all over Europe arrive). Line M3 (yellow): The M3 is probably the most convenient line for tourists, because it stops at the Duomo, Via Montenapoleone (Milan’s most important commercial and shopping area) and Milano Centrale. Line M5 (purple): The M5 is integrated with regional trains. Visitors will find the following interesting stops: Garibaldi Station and Stadio Giuseppe Meazza.

One more alternative to taking a taxi (or walking): BikeMi! Milan’s popular bike share initiative is a great way to get around and see the city.

Or… or, something very fun is to rent Segways

5TH REASON TO BOOK A TRIP TO MILAN – FROM HERE YOU CAN GO EVERYWHERE

Milan has excellent connections with the main Italian, European and world cities. From Milan you can reach in a very short time, even for day trips, wonderful destinations such as Lake Como, Lake Garda, Lake Maggiore, cities such as Pavia, Verona, Bergamo, Cinque Terre or winter tourist destinations such as Bormio, Bernina, Madonna di Campiglio and much, much more. From Milan in 1 hour by train you can Turin, in 1 hour and a half Genoa, in 2 hours Florence and Venice, in 3 hours Rome, 4 hours Naples…

In short, from here, starting your Tour of Italy will be the easiest.

Milan will be an essential city in your Italian itinerary.

Have a good trip!