What causes neck twitching and how to stop it?

 

Shoulder and neck pain have become really common among people and there are a lot of factors that need to be looked into before starting the treatment of the neck and shoulder pain. The main reasons are a sedentary lifestyle and improper posture. Here are a few main points that will help you address the issue.

If you are suffering from some form of neck or shoulder pain, and normal treatment or exercise does not work for you, you can consider alternative therapy such as magnetic therapy products. One example is a neck pain relief necklace. PIP Elekiban Singapore is the perfect solution you are looking for. They have the regular magnetic plasters aka PIP Elekiban, magnetic necklace aka PIP Magneloop and other support products aka PIP Support. Check their website out today.

There is some more information on this at Scary Symptoms.

 

What causes neck twitching?

 

Have your neck and shoulder areas been twitching lately? “For almost everyone-particularly young healthy persons- a simple twitch of a muscle anywhere in the body is completely normal and nothing to worry about”. Read More Here!

 

More often than not twitching is considered to be really normal and not something that you should be worried about. Reasons behind it could be dehydration, stress, overstraining, and magnesium deficiency. Moreover, while doing heavy workouts, the muscles of the neck do not get affected at all but the shoulder muscles do. So, in case you are experiencing it, the reason could be that you might have worked out too much causing the muscles to twitch.

 

Even factors like sleep deprivation as well as stress are known to cause twitching. Stress is usually the main contributor to most of the ailments and you should make sure to reduce stress.

 

Paul Ingraham had a thoughtful article published at Pain Science which gives you a subtle guidance in this regard.

 

What are the red flags for you to identify?

 

A fierce headache, and/or an inability to bend the head forward (nuchal rigidity), and/or fever, and/or altered mental state are all symptoms of meningitis (inflammation of the membranes covering the brain and spinal cord, caused by infection or drug side effects). Read More Here!

 

Twitching as such is not harmful but you it can be alarming if you witness other symptoms. For example, sudden fever and chills, sudden weight loss, and severe headache.  A general poor coordination in the body, heavy feeling and feel week can be linked to spinal cord issues.

 

At times, when there are issues with the upper spinal cord, then you might end up feeling nausea and vomiting. If you regularly experience morning stiffness then it is certainly not a good sign. This is when you should see your doctor to get professional help.

 

You can read this article by Amy Lucas at Fulk Chiropractic.

 

How to treat muscle spasm?

 

If your muscles are in spasm, you don’t have to resort to drugs or shots to numb the area.  There are several natural muscle spasm treatment options available – both at home and at your local chiropractic clinic. Read More Here!

 

Whenever you experience muscle spasm the first thing that you need to do is to stop whatever it is that you are doing and rub or massage the area which is paining gently. Taking enough rest is also important for you to recover from the same. Next is to stretch. Stretching helps a great deal in treating the muscle spasms. However, do not do as rigorously as you might end up causing more harm.

 

Perform light exercises on a regular basis to prevent such issues in the future. Muscle spasms in the back and shoulder can be quite daunting and can take a toll on your health and wellbeing. In order to keep the spasms at bay, you must exercise regularly. Thus, twitching is not harmful but if you experience spasms then you need to be more vigilant and approach its treatment with care. You can use ice packs on the affected area, you can stretch every now and again throughout the day to maintain your health. While sleeping, you should have a proper posture and avoid hunching or slouching while walking.

 

Taking regular breaks is also important since if you sit in the same position hooked to the computer for a longer period of time then you will end up feeling neck and back pain. For keeping your body stress free, you should indulge in activities like meditation. Meditation naturally lowers the stress in your body which can help you relieve pain. Neck and back spasms are quite common and with the right preventive measures, you can surely get rid of them. As a preventive measure, you should avoid using the electronic gadgets continuously that make you strain your neck. Overstraining in the gym should also be avoided. A little bit of caution and help you a lot in a long way.


Know All About Vehicle To Vehicle Communication

V2V or vehicle-to-vehicle communication is the ability to exchange information between vehicles wirelessly to know about the position and speed of the other surrounding vehicles. The communication technology shows excellent potential to help in avoiding collisions or clashes, improve the environment and ease out traffic congestion. However is greatest merits can be only accomplished if all the vehicles are able to communicate with one another. V2V uses the Dedicated Short-Range Communications or DSRC technology, which is a standard, established by bodies such as IS and FCC.

If you are looking for a DSRC Technology provider in Singapore, you should consider ATT Systems Group. You can view their site here: http://www.attsystemsgroup.com/dedicated-short-range-communications-dsrc

Wireless exchange of data between vehicles

To put it even more simply, V2v communication transmits data wirelessly between various motor vehicles. The V2V communication tries to prevent the occurrence of accidents by facilitating running vehicles to exchange their speed and position data to each other within an ad-hoc mesh network. Based on the manner in which the implementation of the technology has been done, the driver of the vehicle may only get a warning if there is an imminent threat of an accident. Or, the car may itself take certain preemptive actions like use the brakes to slow down its speed.

Many people anticipate that the effectiveness of V2V communication will be more as compared to the existing OEM or original equipment manufacturer embedded solutions for threats such as detection of blind spots, lane departure, a backup camera, rear park sonar, and adaptive cruise control. The reason is that the V2V technology allows a 360-degree view of the surrounding threats. The communication is another step towards the growing popularity of IoT or Internet of Things.

Vehicles that can use V2V technology

V2V communication technology can be used by vehicles that range from trucks to cars and from motorcycles to buses. In fact, even pedestrians and bicycles can benefit from the V2V communication very seem to improve their visibility against the motorists. Plus, vehicle information transmitted cannot identify the vehicle or driver certain technical controls ensure prevention of system tampering or vehicle tracking.

The Vehicle-to-vehicle communication technology may also enhance the performance level of the vehicle safety systems so that precious lives can be saved. In 2015, the police reported incidents of motor vehicle crashes stood at a figure of 5.6 million. The figures of fatal accidents according to police-reported crashes of motor vehicles are on a continuous rise. Implementation of connected vehicle technologies provides the tools that the driver requires to anticipate possible collisions and drastically lower the incidents of accidents and loss of lives every year.


What The Future Holds For Biometric Security?

There are hardly any high end devices right now which do not come with some form of biometric security feature built into it. No matter how apprehensive people are about it, the fact that the future of security is in biometric authentication is now well understood. Just a few years back, biometric authentication like iris recognition system and fingerprints scanners sounded like sci-fi movie materials. However, now they are a common feature in most high end devices.

If you are looking for an Iris Recognition System for your company, you should consider ATT Systems Iris Recognition System. They have the expertise and know-how to assist you on your technical needs and implementing the systems. You should check them out.

As technology advances and biometric scanner�s costs come down, they will eventually become commonplace just like the other gadgets. Even though biometric scanners were already featured in many prototype gadgets, people took notice of it only when the iPhones started sporting them. With simplification of technological solutions becoming the norm, biometric security seemed like the next logical step in personal security. While it is not all bad, most people are still unsure about its future. In this article we shall discuss, what the future holds for biometric security.

The question of reliability
According to most people, operating a biometric security system is one of the most cumbersome experiences in their lives. While most biometric security measures are not convenient as such, the real question people should focus on is how secure it really is. According to a company working on biometric authentication, measures like iris scans are found to be more secure than the convenient fingerprint authentication. While this is still debatable, technology still has a long way to go before biometric security solutions become mainstream.

Good technologies have always been embraced by the people
Most experts feel that, people will become amenable to biometric security measures as time passes. Most revolutionary technologies were faced with scepticism at first and once the teething troubles settled down, people became more welcoming of it. There is no reason that the same cannot happen to biometric security measures as well. But all of this is dependent on one key requirement and that is convenience. Companies will have to find ways to make, usage of biometric security measures as convenient as possible, if they are to have any hope of
making it mainstream in the future. Once the inconvenience part is dealt with, there are no other major hurdles to the ubiquity of biometric security measures. While this is not going to be easy, the market it will unravel to the biometric security companies is well worth the effort and capital that it demands.

What are the types of professional liability insurance available and for whom?

In the age of lawsuits, any real or perceived mistakes on the part of provider of professional services, can make even an unsuspected client changed his mind and brought the provider to court. Due to this reason, it is good for those who are in certain line of risky businesses, to be ahead of the game by paying premium for professional liability insurance. The benefits are so huge, and the most important thing is the confidence that the business owners and the clients can appreciate when negotiating any transactions.

If you are looking for a corporate or personal insurance provider, you should consider Allegiance Associates. They cover a wide range of professional insurance in Singapore. You should check out their site here: https://www.allegiance.com.sg

In the US, nearly a half of small-business owners were involved or at least threatened with lawsuits. The cost of litigation can easily achieve thousands of dollars in no time. Consider also the amount of time that a company needs to spend on the case before the settlement of a lawsuit. Going to and fro court, lawyer’s office and negotiations, all those can affect the business badly. The company that must face litigation can also suffer reputational damage, something that every company wish it never must go through. An article by Aliya Daya at Rogers Insurance delves into the Effors and Omissions (E&O) insurance which is among the most commonly claimed in the business world.

Errors and Omissions (E&O) liability coverage for service providers and consultancy business

Errors & Omissions Liability protects the business professional by shielding their assets and paying for defense and potentially onerous legal costs if a client makes a claim. It protects the professional’s clients by ensuring there will be adequate funds to pay for damages incurred if the professional’s services are deemed to be faulty.

We often associate the word “professional” with physicians, lawyers, accountants, engineers or other people who require extensive education and training to perform their duties, but you do not need to be a doctor or lawyer to have a professional liability exposure. Virtually any business that performs a service or provides professional advice to a client in exchange for financial compensation can be sued on the basis that it failed to meet its professional obligations. Read more here!

Based on the article, we can see how permeating the professional liability insurance can be because it is not limited to certain famous career such as doctors, lawyers and accountants. We cannot help to think that only certain types of professions might require this kind of insurance, because those professions are directly dealing with life and death situations such as in the medical and legal field, or involves huge sums of money such as in accountancy. But the truth is, any contract might involve oversight and errors, or some portions of the contract might not be able to be delivered as promised, and there could failure to perform according to industry standards. That is why Gabriella Messina stressed the difference between Errors and Omissions (E&O) insurance with malpractice insurance in POMS Association blog.

What is malpractice insurance and how did it differ from E&O

Professions That Require E&O Coverage

Many different job sectors require professional liability coverage under different names and forms. Errors and Omissions is used by financial brokers, professional consultants, and insurance agents, as well as accountants, engineers, and contractors. Contractors must also be surety bonded.

Malpractice Insurance

For doctors, dentists, and other medical practitioners, professional liability insurance is called malpractice insurance. States require that medical professionals have current malpractice coverage to work in hospitals and other medical facilities. Lawyers are also required to carry malpractice insurance to cover any real or perceived failure to render professional services. Read more here!

 

One case of medical malpractice involved an elderly woman who was overdosed 1,000 times the correct radioactive iodine needed for her treatment. After the overdose, she developed thyroid gland disorder and later lymphoma, a form of blood cancer. Although the case was finally settled out of court, but a negligence of this kind on the part of the doctor can lead to high litigation cost that requires medical doctors to be covered by malpractice insurance.

Not only doctors can buy this type of insurance, but also Traditional Chinese Medicine practitioners and hospitals. Some malpractice insurance covers also teaching hospital, children’s hospital, rehabilitation center, specialty hospital and hospital’s integrated delivery system.

So instead of E&O liability coverage, the insurance specially designed for medical field is called malpractice insurance. While for insurance brokers and contractor, there is another type of coverage called surety bond. Shire Lyon has more to say about this at Insurance News Net.

Surety bond for insurance brokers

First, you’ll need to decide on the surety bond agency you’d like to use. It’s a good idea to search reviews before choosing. You should know that a bonding agency usually doesn’t underwrite its own bonds. The agency is appointed by surety bond companies, which typically perform the underwriting.

 

It’s beneficial to find a bonding agency that is a managing general underwriter (MGU), who is responsible for underwriting and will educate you on surety bond claims. MGUs have faster approval processes and will act as your claims advocate should you ever have a claim.

 

Once you choose your agency, check to see if they sell insurance broker bonds, since not all agencies sell all bonds. Most agencies have online application forms, so you can probably complete this part of the process from the comfort of your couch. Read more here!

 

If you are an insurance broker, you need to be covered by surety bond to ensure that your customers will be protected in any events of misconduct. There are cases when the premium money paid by the customers did not reach the company at all, but was misappropriated by the broker. Therefore, the coverage is very important and becomes part of professional license requirement.

In the end, no matter in what field you are currently working, and what types of professional liability coverage is suitable for your professional field or businesses, having your lifetime career protected and covered is obviously the wisest action to take. It can boost your confidence knowing the money is there to face any risk of tedious litigation process or challenging court days.

Sometimes, no matter how hard you try you just cannot get how math problems are solved. Sometimes, no matter how hard you listen to your teacher, you just cannot understand what they are pointing out. Many students have this struggle in school particularly in their Math subject. This is the reason why they hate it and as much as possible avoid it. That is why today, we are going to share to you some tips on how to help students like math.

If you are looking for a secondary school Maths tuition centre, you can try Advo Education Centre that offers quality secondary Maths tuition. They feature ex-MOE teachers and have a wealth of prior teaching experience. If you need help for it urgently, such as for O’ Levels, they also have subject-focused intensive courses to help you improve quickly and effectively. If you are serious about improving your grades, you should check out O Level Maths Tuition at Advo Education immediately.

In an article by Concordia University-Portland, we are going to give you 5 tips to help get students engaged in high school math.

5 Tips to Help Get Students Engaged in High School Math

It’s a high school math teacher’s job to come up with innovative and creative ways to engage all students, even the disinterested ones. Students who find a lesson stimulating not only retain information better, but they may even develop a passion for math.

Here are five ideas on how to keep students involved in math lessons.

Relate to the real world

Most students do not believe that they will use what they are learning in high school math ever again. To remedy this problem, a teacher needs to find a way to relate what they are teaching to the real world. When students can see that there is real-life value to what is being taught, they are more apt to actually pay attention and get involved.

Give students choices

Another way to ensure student interaction is to give them choices. Students can decide if they want to work in groups or by themselves. Students can choose to divide into teams of 3-4 members each. After a math problem is given, students can work on it as a team. The first team to get the problem correct gets a point. At the end of the class, teachers can reward the highest scoring team with no homework! Read more here.

The five tips given above are what teachers have to do in order to make their students engaged with the lessons. One tip mentioned above is the use of props like visual aids and haptic. In addition to that, Alfred Posamentier is also going to give us nine strategies for motivating students in mathematics.

9 Strategies for Motivating Students in Mathematics

Motivating students to be enthusiastically receptive is one of the most important aspects of mathematics instruction and a critical aspect of any curriculum. Effective teachers focus attention on the less interested students as well as the motivated ones. Here are nine techniques—based on intrinsic and extrinsic motivation—that can be used to motivate secondary school students in mathematics.

EXTRINSIC AND INTRINSIC MOTIVATION

Extrinsic motivation involves rewards that occur outside the learner’s control. These may include token economic rewards for good performance, peer acceptance of good performance, avoidance of “punishment” by performing well, praise for good work, and so on.

However, many students demonstrate intrinsic motivation in their desire to understand a topic or concept (task-related), to outperform others (ego-related), or to impress others (social-related). The last goal straddles the fence between intrinsic and extrinsic. Read more here.

There are nine strategies given but one strategy that I would like to point out is the use of recreational materials. Students would really feel bored if all we do is the traditional discuss and answer style. We can also give them puzzles and games so they can remain motivated. Next up, Concordia University-Portland will tell us about some websites that could help students with high school math.

Websites that Help Students with High School Math

When it comes to classroom assessments of 21st-century math learning standards as well as college aptitude exams such as the SAT and ACT, math proficiency—in everything from algebra to chemistry and physics—is especially vital.

But as every good teacher knows, there is not enough time in the day to provide one-on-one assistance for every single student in class, on every single detail of the lesson plan. That’s why it’s okay (!) to turn to online resources to help your high school students stay on track and get through more difficult areas of study. Homework databases, interactive games, videos, and testing modules that can make sense of your instruction abound, if you know where to look. Start with a few of Concordia’s favorites, below.

A note about high school math websites

Math websites can range in design from simple problem-solving to advanced theories with additional site references. Many can be divided by subject and grade level so that the student is not just visiting a page with numbers, but can focus on the type of mathematics where they may be experiencing difficulty in such as algebra, trigonometry, geometry, and calculus. If your student is advanced and seeking math help on a higher level, there are also sites that cater to advanced placement mathematics and pre-college level math. Read more here.

So we now have some websites to visit in case we need some help regarding our math problems. Just try to visit, but we should not always rely on them because in order to learn, we have to the solving on our own. If we really want to learn, we have to stay motivated. We have to be interested. Teachers should also make ways in order for the students to stay focussed and motivated in doing math.

We all know that math is not an easy subject. Every school year, different math topics are being introduced to them and it becomes more difficult and complicated every time. As parents, we want to help our children as possible and as long as we can. If we ourselves know how difficult it is, then we should know our children’s struggle. In this article, we are going to give you some guide on how you could help your children and on how they can help themselves.

If you are looking for a secondary school Maths tuition centre, you can try Advo Education O Level Maths Tuition. They feature ex-MOE teachers and have a wealth of prior teaching experience. If you need help for it urgently, such as for O’ Levels, they also have subject-focused intensive courses to help you improve quickly and effectively. If you are serious about improving your grades, you should check out their site here: http://www.myadvocators.com/

 

To start, Math Scholars Singapore will tell us what parents need to know about secondary math.

Finished PSLE? Here’s 6 Things Parents Need To Know About Secondary 1 Math

Dear Parent,

We understand that the transition from Primary 6 (after PSLE) to Secondary 1 can be an uncertain time for parents, and sometimes a little frightening for children.

Aside from attending a new school, with new surroundings and new classmates – many parents wonder if their child will be able to ‘fit in’ and learn effectively.

After a well-deserved short break following PSLE, as the Secondary school year approaches you may start wondering…

  • How is Secondary 1 different to Primary 6?
  • Does my child currently have the skills and understanding to do well in Sec 1?
  • Does primary school adequately prepare children for Secondary 1?
  • Will my child’s PSLE score indicate how well he/she will do in Secondary 1?

The answers may surprise you. Read more here.

The stress is more on the differences between primary math and secondary math. Parents really have to understand that it is now different. Topics will now be more advanced and preparations must be done as well so they could be prepared when they enter secondary school. In relation to that, Math Scholars Singapore will share to us how parents can help their kids in secondary school math.

How Can I Help My Kids in Secondary School Math? (Singapore Syllabus)

A Guide for Parents to Help Their Kids With Secondary School Singapore Math – What to do & what NOT to do

Just about 5 months ago, I received a text from a father of a Secondary 2 boy…

He wrote in because he had read our blog post about how some kids seemed to score well in Primary school, but strangely, not in Secondary school – and vice versa.

He wanted to know why, and if possible… how he could help his son.

His son had scored an A for PSLE math.
But for some reason, had not been able to score above 30% for his Secondary School tests, even from Secondary 1.

After speaking to this father more, I realized there was more than just the grades.

His son had stopped speaking to him.
Whenever the father would try to ask “How was school?”, the reply was short and curt “ok.”
Then he would go back to playing his computer games, or typing away on his hand phone.
Read more here.

That was a real life experience of a parent who is concerned about his son not being able to score well in secondary math well in fact, he scores high in primary math. A foundation should really be built upon entering secondary school. It will all be different that is why preparations must be done.

Now, let us talk to the students. DSST Credit by Exam will give us 10 math study tips that will make you a better student.

10 Math Study Tips That Will Make You a Better Student

In some courses, all it takes to pass an exam is note taking, memorization, and recall. However, exceeding in a math class takes a different type of effort. You cannot simply show up for a lecture and watch your instructor “talk” about math. You learn it by doing: paying attention in class, actively studying, and working through problems – even when your instructor hasn’t assigned you any. If you find yourself struggling to do well in your math class, then read these math study tips to find out how you can become a better math student.

Remember That Math Is Cumulative 

Math courses follow a natural progression – each one builds upon the knowledge you’ve gained and mastered from the previous course. If you are finding it tough to follow new concepts in class, pull out your old math notes and review previous material to refresh yourself. Be sure that you meet the prerequisites before signing up for a class. Read more here.

One good tip given is that students must read ahead. It is always nice to have advanced readings. In this way, you would be able to have advanced knowledge and would have enough time to think and understand. Studying really takes some effort, and this effort does not only come from the student because parents’ efforts are important as well. Parents and students must work hand in hand for a successful schooling.

Entrepreneurs are apprehensive of implementing the online appointment system for various reasons. Such fears include that the applications are not easy to use and customers will fail to turn up after booking by themselves. However, you need not worry as a majority of these concerns are simply myths. This article debunks some of the most common myths associated with online appointment system.

For a good online appointment system, you should consider ATT Systems Online Appointment System. Their system can capture bookings at any time and remind clients not to have No Show bookings. If you are looking to purchase an Online Appointment System do check out their site here: http://www.attsystemsgroup.com/appointment-management-systems-ams

Myth 1: Online appointment means that the entrepreneur will have lesser control on their schedule

On the contrary, online appointment gives you greater control on your schedule and also reduces the efforts needed to organize those appointments. For instance, if you own a salon and have hired 2 staffs and do not work full-time, this information can be easily included in your schedule so that customers can find out the available time slots.

It eliminates the requirement for an entrepreneur to spend many hours tweaking the appointments so that all the customers get the slot they are looking for. As it will be an automated system, a notification will be sent to the customers when a slot they want to reserve is already booked. Thus, you can save the time spent on a lengthy phone call and use that time to do more important tasks.

Myth 2: Online appointment is not suitable for the demography of the customer

It is a complete misconception as about 2.3 billion people from all over the world use smartphones today. As the same set of people are using these phone for accessing social media an online banking, scheduling appointment online will be a child’s play altogether in case the layout of the online scheduler you are using is intuitive and straightforward.

Additionally, 20% of the above members are more than 55-year-old. Thus, age is definitely not an important factor for one’s ability to book appointments online.

Myth 3: Booking online does not offer the same superior quality of customer service since there is a less personal touch

With the growing popularity of online booking, a larger population of customers would be looking for more choices. It is not a big concern simply because a customer is not interacting with a customer service representative. In fact, several of them would rather like to enjoy the flexibility of booking whenever they want to from any device of their choice.

Online appointment system can add its personal touch by sending confirmations electronically. The confirmation automatically shares the details of the appointment with the customers.

Paternity testing is done by collecting DNA samples of both the father and the child and matching them. Now, the widely used method of DNA collection is by either collecting blood samples or mouth swabs. Both these methods are accurate and it yet hasn’t been scientifically proven as to which is better between the two so, you can opt for either based on your favouritism and the convenience of the lab where the testing will be done. The only difference between these two methods is the processing of the samples.

Map My Gene DNA test can allow for health management, prediction for your future offspring, prevention against diseases, and allow you monetary savings in the long run. If you are serious about your health, you should check out the tests they offer.

Below is explained the working of the procedures mentioned above which surely is going to help you decide between the two.

Working of Blood Samples and Swabs.

Samples collected from both your checks and blood will provide the same accurate result because the DNA sample in both are exactly the same. DNA collection from the mouth can be done by several processes which are-

Dry method- In this procedure, swabs are inserted in your mouth which scrab tissues from your mouth and tissues; microorganisms such as bacteria from your mouth may also be passed on to the sample.

Wet method- In this procedure, a liquid is swished around in the oral cavity and you will require to spit the sample into a collection apparatus. Bacterias of the mouth may be passed on to the specimen at the end of this method too.

Non-invasive method- In this procedure, after performing few necessary steps, you will have to spit out the collecting specimen on and to eliminate contaminates, another solution is added to it which will help to maintain the purity of the solution.

The method of collecting blood works in a similar fashion but only a syringe is needed to be inserted in your body to draw out the blood but some patients are scared of them Both the procedures have their own merits and demerits mentioned below-

The merits of swab sample are: it is fast and non interfering, it is preferred by scientist from the easier extraction process and from a testing point of view.

Two main demerits of the process is that bacteria can contaminate the cells containing DNA if it is not dehydrated and stored and since the cells are invisible, its visual verification is not possible.

Merits of taking blood samples for DNA testing are: chances of contamination are reduced due to storing of the sample in sterilised tubes, samples are clearly identified and the process is quick.

The demerits of the process are: it includes the syringe which may cause pain and the sample is easy to collect but not as easy as collecting the swab sample.

In today’s day and age, all companies want to be global in their approach. This means employing foreign employees. While foreign worker insurance is mandatory in many countries including Singapore, it has many advantages. Getting this insurance will not only protect your employee but you as well.

Advantages of getting this insurance:

  • Saves you from high medical bills

No one can predict when misfortune can strike. But a medical emergency not only means health issues for your employee, it also hurts your pocket. That is why this was made mandatory by the government to protect employers from high medical bills.

  • Added perk for the employee

In this increasingly competitive market, potential employees select those companies who provide the most incentives along with the salary. They want a comprehensive package that takes care of their welfare. For foreign employees, especially, they are away from their countries and are naturally apprehensive of how they will be taken care of should they fall ill in a foreign country. The better comprehensive package you offer, the higher the chances of you getting the cream of foreign applicants for your company.

  • Repatriation expenses

In case a foreign employee dies or is permanently disabled, this insurance indemnifies you from bearing the cost of transferring the body to his/her home country.

  • Personal accident during off hours

Depending on the comprehensiveness of the insurance policy, several important benefits are covered.

  • Disability, dismemberment due to any accident
  • Some plans even safeguards your employees against any financial issues due to loss of income; in case disability from the accident prevents the employee to be able to work
  • Surgery, dental, maternity expenses, are some of the areas covered by these insurance companies

 

  • Outpatient treatment

Some amount of outpatient treatment is always covered by all types of insurance; however the coverage varies. From dental to general check up to specialist consultation and cost of tests, there are a variety of outpatient coverage options.

This type of insurance protects both you and the employee for a minimal fee. It protects you from incurring financial loss and insures the employee’s life and takes care of any additional cost should tragedy occur. It also earns you good will from the employee. This in turn ensures lesser attrition over compensations offered, and higher chances of attracting the best in the market. Therefore choose the coverage that is beneficial for both you and your foreign employees.

 

Most employees consider health insurance as the most important perk in their remuneration package and many studies and surveys have shown that a good health insurance plan increases the chances of retention and improving recruitment quality. It is mandatory for all those who are employing foreigners in their companies to get foreign worker medical insurance in most countries, including Singapore. However, not all insurance plans offer a good bargain and therefore should not be selected blindly.

Important points to remember while selecting the right insurance:

  • Compare the policies

Never look at just one insurance company’s plan, especially if you’re planning to have more than one foreign employee. The policy needs to be beneficial for both you and the employee. Look at at least a few options before freezing in on one.

The following factors should be kept in mind while comparing policies:

  • Cost

How much does the policy cost you? Is this something that you can bear even if your number of foreign employees increases? What is the cost of the plan, the deductibles, and the co-insurance costs (if any)? How much of it can be borne by the company? It also should be noted that deductibles and co-insurance costs should not be such that it affects the employee’s salary significantly.

  • Coverage

Some policies limit coverage to specific conditions or provide the absolute minimum coverage. These details are mostly written in fine print, so they need to be read carefully. Insurance policies that cover diseases should usually be avoided as their charges are higher than the chances of contracting one.

  • Reimbursement

Their compensation or reimbursements for individual incidents should be viewed to see whether the coverage actually does justice to hospital charges and doctor’s fees. Consulting a physician might be a good idea to understand if the amount mentioned seems reasonable or not.

 

  • Check the market

It is always good to know which policies competitors and other companies use for their foreign employees. It helps you to get an idea of the quality of service provided. In this day and age, when several insurance companies are facing bankruptcy issues, one can’t be too careful.

  • Get a broker

In case this overwhelms you, or you don’t have the time to review the policies in such detail you can always get a broker to compare policies for you. However, brokers are not always ethical or reliable and can influence the rates offered by insurance companies. Therefore, the background of brokers too, must be thoroughly investigated.

Once the foreign worker insurance policy is bought, you can’t reverse it without incurring some loss. Choose the one that benefits both you and the employee and spend time to find the right insurance policy.

It is quite easy to understand why you need to purchase coverage for your personal vehicle. You would like to safeguard your property as well as protect the lives of your dear ones. Moreover, it is compulsory by law in several States. But to know when to avail commercial insurance is a completely different fall fame altogether. However, there are some kinds of vehicle usage, which do not fall within the scope of a personal vehicle insurance policy. If you are an entrepreneur or a businessman and are using a vehicle exclusively for your business, then commercial vehicle insurance is needed. Moreover, when your vehicle has commercial tags, you must purchase a commercial coverage for it.

There are several instances when a businessman may be using the same vehicle for both pleasures as well as business. When your business owns a vehicle, you need to ensure that the. Business’s name appears on your policy not in your name but as a “principal insured”. Such a step will help remove confusions when you may require to file your claim or done files a claim against you.

Whether you should purchase commercial vehicle insurance in Singapore will also depend on the type of driving done by you. A reputable insurance agent will probe for detailed information about how your business uses the said vehicle, who will be the drivers and in case you have hired employees, whether they have the likelihood of driving their personal vehicles for your business.

Business use

You need to understand when a vehicle is known to be deployed for business use. A vehicle used for business is one that is used for commercial purposes for at least more than three times on an average during a period of 30 days. If you find they it is happening in your case, then commercial vehicle insurance is something that you should definitely go for.

What is defined as “business use”?

This is a crucial concept with respect to commercial vehicle insurance. When you merely use a vehicle to commute to and fro from your main workplace, it is regarded as commuting and you need not purchase a commercial policy. In fact, then the vehicle is required to be covered within the ambit of personal vehicle insurance. But when you are driving the same car to travel to clients? Offices or other job sites, vases based on how frequently you do it and your work type, you could be requiring commercial vehicle insurance .

Though the key coverage for the personal auto policy and its commercial counterpart may look same, both of them differ in several technical aspects. Contact your insurance agents to explain the distinctions properly.

Being an owner of a business and operating it efficiently means that you can be exposed to certain financial and legal risks. But you can protect your company and yourself by purchasing commercial liability coverage.

Defining commercial liability insurance

Your business needs liability insurance to safeguard its assets and to pay for the financial and legal obligations from time to time. For instance, when someone gets injured within the premises of your workplace, the expenses related to the person’s medical bills and other costs as the result of an accident can be covered by your commercial liability coverage. Moreover, such an insurance policy can also cover the legal fees for defending any lawsuits against your business and for settlement of cases.

Is it a necessity for your business?

On many occasions, it may feel that you can do away with liability insurance since it is not likely that your company will file a claim ever. But, contrary to what many people perceive commercial liability coverage is a cost-effective and a sensible investment. You should remember that if an accident takes place, it can harm your business both financially and legally. Such an unfortunate situation can occur at any time. So, in case you do not have commercial liability coverage, make sure that you purchase one on a priority basis.

Do you need commercial liability coverage for a home business?

There are some businesses that are operated from homes. So, the question is if you are one of those and have purchased homeowners coverage, does your business have protection against liability? The answer is in negative for sure. Home insurance does not include any form of business activity. However, you may require different kinds of protection, depending on your employees, customers or other business issues.

Thus the bottom line of this discussion is that a business can be a risky proposition. When you get the right liability policy, it can be helpful for any kind of challenges your venture may face. But different ventures will be associated with different kinds of risks. So, the same kind of insurance solution may not fit all the businesses. You can take the help of an expert to know what kind of commercial liability insurance is needed for your business.

While running your venture, you need to interact with vendors, clients, suppliers, contractors, employees and others. You never know who can make claims against your company. So, it is important for you to defend your business against such claims of bodily injury, property damage etc.

Allegiance can provide answers all your queries on commercial liability insurance related services or levy bond.

Low Maintenance Types of Upholstery

The whole look of the furniture in any room depends mostly on the upholstery that is used on it. Choosing the kind of upholstery that is most suited to ones needs can sometime be a mammoth task as there are many varieties of colours and textures to choose from. One of the major criteria that come into play while choosing upholstery is easy maintenance. Here are a few types of low maintenance upholstery Singapore.

Natural fibres are made from natural origin such as wool, jute, cotton, flax, etc. These fibres are anti-allergenic, friendly to the environment and can also breathe easily.

Cotton is soft and breathable material, it is also durable, easy to clean and comfortable. As the price is also not very high it is a very economical type of upholstery. Cotton blends can also be used to increase strength and durability of the fabric as well as to add texture to it.

Linen is another natural fibre that is usually used for upholstery and is a great choice for the living room. It is elegant, unpretentious and most importantly it is resistant to pilling and soiling.

Wool upholstery is the most versatile as they can vary in texture and pattern. It is a very sturdy and durable kind of fabric. Along with this, wool has very good resistance to fading, wrinkling, pilling and soiling. Wool is easy to clean and maintain and remains as beautiful as the first day for many years.

Synthetic fibres are more resistant to fading and staining than natural ones. Thus a blend between a natural fibre and synthetic one are most commonly used.

Acrylic fibres are soft and warm; they are usually very light but have a high resistance to wearing, wrinkling, fading and soiling. They retain their colour even if kept in the sun for a long time.

Nylon is one of the strongest fibres, when blending nylon with other fabrics increases its durability, stain resistance and reduces wrinkling.

Polyester like nylon is most commonly used as a blend. It is durable and strong and is resistant to exposure to sunlight.

Suede and leather may not technically be fabric but are increasingly being used in furniture. The major advantages of leather are that it is soft to touch, durable, can come in a variety of textures, and is very easy to maintain as it is stain resistant.

SAN DIEGO (10/8)- San Diego real estate developer and founder of the National Federation of Filipino-American Republicans (NFFAR) resigned from his post and withdrew his endorsement of presidential candidate Senator John McCain (R-AZ) amidst an air of speculation and confusion.  In a written statement, Diaz stated, “I am resigning as Chairman of NFFAR.  It was a hard decision on my part.  However, I believe that I have to do it because of what has been happening in the McCain campaign…  I endorsed McCain before the California primary believing that he was the right man for the job.  I was wrong.  His selection of Sarah Palin as his running mate and his decision a few days ago to resort to personal attacks on Obama’s character and integrity run counter to my personal beliefs and core values.  I have lost my respect for McCain and I believe that a McCain/Palin administration would only worsen the economic situation in the country”

Part of his the reason for sudden resignation could also be found at his website (see:www.perryscope.org ) wherein he posted (10/3) what is believed to be a series of policy disagreements between Diaz and specifically against Sarah Palin offer insight into the resignation.

In regards to the environment Diaz pointed out that, “Sarah Palin falsely claimed that she was the first governor to form a climate change subcabinet, when at least 28 states had already taken action”.  Furthermore he pointed out that, “Sarah Palin said “I don’t want to argue about the causes” for global warming, when she has clearly taken the position that she doesn’t not believe it is man-made”.

In regards to the issue of Medicare reform, Diaz posted one piece stating, “In her closing remarks at the vice-presidential debate Thursday night, Ms. Palin referred earnestly, if loosely, to a quote from Ronald Reagan. He had warned that if Americans weren’t vigilant in protecting their freedom, they would find themselves spending their “sunset years telling our children and our children’s children what it was like in America when men were free.” What Ms. Palin didn’t say was that the menace to freedom that Reagan was talking about was Medicare. As the historian Robert Dallek has pointed out, Reagan “saw Medicare as the advance wave of socialism, which would ‘invade every area of freedom in this country”.  Furthermore, “Palin says taxes wouldn’t go up under the McCain health care plan, a fact even his own campaign has acknowledged isn’t true”.  Also it is posted, “Palin claimed Obama’s health plan is “government run” which has been widely debunked as a “canard”…”

In regards to the War on Terror, Diaz stated, “Palin repeated what the AP called the “highly misleading” attack that Obama opposed funding for the troops, and Factcheck.org notes that the same methodology would lead to the same conclusion for McCain”. In regards to the recent “surge”, Diaz states “Palin said that [McKiernan] did not say a surge wouldn’t work in Afghanistan, when just yesterday he said “The word I don’t use for Afghanistan is ’surge,’ ” McKiernan stressed, saying that what is required is a “sustained commitment” to a counterinsurgency effort that could last many years and would ultimately require a political, not military, solution…”  Another point of contention was the issue of civilian deaths in Iraq, where, “Sarah Palin said “Obama had said that all we’re doing in Afghanistan is air raiding villages and killing civilians and such a reckless, reckless comment and untrue comment again hurts our cause. That’s not what we are doing there.” Unfortunately, the Associated Press says that Obama was right in discussing a critically important point about avoiding civilian casualties”.

The harshest complaints are leveled regarding the McCain /Palin campaign in regards to the economy.  In regards to partisanship, Diaz stated, “Palin said McCain is “known for putting partisan politics aside to just get the job done,” but he has voted with Bush 90% of the time in the Senate and bragged about his support for Bush on important issues”.  Diaz also pointed out that in regards to taxes, “Palin repeated the attack that Obama voted for higher taxes 94 times, which the New York Times says is “false,” CNN says is “Misleading,” and FactCheck.orgsays is “inflated”.  As for the economy, “Palin tried to say “John McCain saying our economy was strong” was taken out of context, but McCain has used the phrase “The Fundamentals Of The Economy Are Strong” at least 16 times this year…”

While it is uncertain what will happen next for the real-estate developer.  It is fairly certain that this sudden change of opinion will have a drastic effect on the presidential election, leaving the Republicans with less than 4 weeks to select a new community to draw from the Filipino-American community.

-Jose Ricardo G. Bondoc

Leno urges Governor to take immediate action to stop the contamination of California homes

SAN FRANCISCO, CA— Highlighting a recent study showing that Californians have twice as much toxic halogenated fire retardants in our blood than the national average, Assemblyman Mark Leno urged the Governor today to take immediate action to stop the addition of these chemicals to furniture and baby products sold in California.  The findings, published in the academic journal Environmental Science and Technology on Wednesday points to California’s obscure furniture flammability regulation, Technical Bulletin (TB) 117 as the cause.

“This report confirms our worst fears about the chemical disaster in virtually every home in California,” said Assemblyman Leno. “TB 117 is poisoning our homes, our kids, and our mother’s milk with toxic fire retardants that cause thyroid hormone disruptions and damage the developing reproductive and nervous systems in infants and children.  I am urging the Governor to do everything in his power to stop it.”

The study, conducted by the Silent Spring Institute, UC Berkeley, and Harvard University, also found that dust in California homes is contaminated with the now banned halogenated fire retardant penta-BDE at 4 to 10 times the levels measured nationally and 200 times more than in Europe.  It can also be found in “nearly every species across the globe.”

Assemblyman Leno, along with advocates at Friends of the Earth, Making Our Milk Safe (MOMS), and firefighters have been fighting for the last two years to replace TB 117, a 1970’s era flammability standard responsible for the use of toxic fire retardants in baby products and furniture.  Leno’s AB 706, which failed passage under pressure from the chemical industry, would have replaced TB 117 with a new cigarette ignition resistance standard proposed by the U.S. Consumer Product Safety Commission, providing superior fire safety while eliminating toxic exposure.

“The Governor should order the immediate suspension of TB 117, require the Bureau to enforce the current ban on penta-BDE in imported furniture, accelerate the development of an alternatives assessment process in the Green Chemistry Initiative, and use alternatives assessment to look first at halogenated fire retardants found in furniture,” said Leno.

Virtually every Californian tested has been found to have fire retardants stored in their bodies, with babies showing the highest levels.  Halogenated fire retardants pass from mothers’ bodies to children during pregnancy and through breast milk. Levels of these chemicals have increased 40-fold in human breast milk since the 1970s. 

This increase coincides with the expanded use of fire retardants in order to comply with California’s TB 117. Previous studies have shown that elevated cancer rates among firefighters compared with the general population, likely result from workplace exposure to carcinogens like dioxins and furans, which are formed when PBDE fire retardants burn.

San Francisco, CA – The U.S. Citizenship and Immigration Services (USCIS) requires applicants who seek permanent residency (green card) or adjust their current status to meet vaccination requirements on a broad range of vaccine- preventable diseases. Effective July 1, 2008, the USCIS has added five new vaccines as recommended by the Advisory Committee for Immunization Practices to the Medical Admissibility Review requirements. Applicants will be required to have the following age-appropriate additional vaccinations: Rotavirus (gastroenteritis) Hepatitis A, Meningococcal (meningitis), Human papillomavirus (cervical cancer) and Zoster (shingles).

While APIAHF supports the adoption and use of vaccinations that have been proven to be effective in preventing unnecessary disease, APIAHF is also concerned about assuring that the vaccines are accessible to all and that immigrants are not unduly burdened. APIAHF acknowledges the potential benefit of the HPV vaccine in preventing cervical cancer, but also recognizes that specific concerns have been raised about the vaccine’s effectiveness. APIAHF is concerned about what appears to be inadequate involvement in and transparency about the process regarding decisions about additional vaccine requirements. We also are concerned about inadequate outreach, education, and dissemination of information to Asian American and Pacific Islander communities who are affected by the requirements.

Cervical cancer is a major concern to Asian Americans and Pacific Islanders, particularly for specific ethnic subgroups. Screening remains the most effective way to prevent cervical cancer and immigrant communities have low rates. APIAHF supports increased funding for federal programs such as the Centers for Disease Control and Prevention’s Racial and Ethnic Approaches to Community Health (REACH) which supports, among others, community driven programs to increase the rates of cervical cancer screening for Vietnamese women, who have five times the rate of cervical cancer as White women.

SAN FRANCISCO (10/5)- In a controversial move, Myrna V. Lim has accused the local  San Francisco Chronicle, of ignoring the Mission-Excelsior District.  In a press statement made by the candidate, Lim stated, “I have been receiving phone calls and emails from my supporters in District 11 expressing disappointment in your coverage of our Supervisor race”.  Furthermore, accusations of sexism and ethnic insensitivity were launched as she noted, “I am the only Asian and one of two women in a field of eight candidates, yet your reporter, Wyatt Buchanan, deliberately excluded me from his story. His insinuation that I had not garnered enough in contributions and endorsements to be considered by your paper is simply false, and casts great doubt about your journalistic objectivity and integrity for both my supporters and myself…  When I ran against incumbent Gerardo Sandoval in 2004, I garnered 42% of the votes. This year I am proud to be the leading candidate according to several polls.  My support reflects the multi-cultural diversity of District 11: 46% Filipino and Chinese, 25% Latino, 15% Caucasian, 8% African American”

The article stated that misperceptions of the district were perpetuated by the newspaper, stating, “Your articles featured four men who are City Hall political insiders, thereby manipulating public perception, creating the illusion that those were the only candidates worth considering.  I have raised more than $50,000 and attach a list of my supporters, so I should have been included even according to your stated standards.  I am not relying on the taxpayers to publicly finance my campaign…”

 Stating her biography, Lim said, “I am the only candidate who actually grew up in the district, and has served the district all my adult life.  My father, Rafael Lim, a former District Attorney in the Philippines, moved to the Excelsior in 1969, and worked as a janitor for two years in order to bring his family to America for a better life.  We bought our house in the District in 1976.  My family operated the old Granada Theatre and the old Apollo Theatre.  My brothers went to Balboa High School.  My family attends masses at the Epiphany, Corpus Christi and St. Emydius Churches.  My niece attends first grade at Epiphany School. One of my nieces graduated from the Leadership School on Seneca Street.  Most of my friends and supporters are natives of District 11, include Walter Franco who has been operating the Ricca Café on Mission Street and Onondaga Street for 40 years.  Some of my friends are retired teachers from Balboa High School”.

 Candidate Lim, who has attracted the endorsements of Major General Antonio Taguba, Abu Ghraib Report, Iraq; San Francisco Police Officers Association; National Women’s Political Caucus; and Filipino American Caucus, California Democratic Party said to the editorial staff of the newspaper, “Despite your editorials to the contrary, your blatant discrimination serves to perpetuate the status quo at City Hall, to the detriment of the good people in my district who deserve better…”