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sites. Why? Because most of your customers do not know your company name, an ...

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<title>Strategize Short-Term Debt With A Payday Loan Online</title>
<link>http://ecgscms.info/49</link>
<comments>http://ecgscms.info/49#comments</comments>
<pubDate>Tue, 18 Jul 2023 05:26:07 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Online payday loan]]></category>
<guid isPermaLink="false">http://ecgscms.info/?p=49</guid>
<description><![CDATA[There are all sorts of strategies to help with debt. Most people carry large amounts of credit card debt for years. Some take a more proactive choice towards emergency costs by applying for payday loans, the short- term approach. These low cost loans can cause a bit of a pinch in your pocketbook, but they [...]]]></description>
<content:encoded><![CDATA[ There are all sorts of strategies to help with debt. Most people carry large amounts of credit card debt for years. Some take a more proactive choice towards emergency costs by applying for payday loans, the short- term approach. These low cost loans can cause a bit of a pinch in your pocketbook, but they promote spending less in the long run. These low cost loans are not always the most effective approach towards financial problems. When the money crisis calls for more than a few hundred dollars, a person will need to look elsewhere for assistance.As long as a person has access to additional credit cards, this is the favorite approach towards emergency costs. When you look at the minimum balance in comparison to the full payment for a direct payday loan, it definitely seems like the economical approach to well managed finances. Because these cards are most often paid over an extended time period, often years, the true cost is not recognizable. Credit card companies are now required to show on every statement the amount a person will pay over time if only the minimum payment is made each month. There also needs to be an additional figure of a higher payment cost over time. For those people who do not think about the detriment of minimum payments, their eyes can be opened by reading monthly statements.Often times, debtors will overspend by using credit cards. As debt is paid down each month the cards continue to be used to cover current expenses; it’s the yo-yo effect. Make a payment to lower the balance then use the card to bring it back up. If a person does not have good spending habits, the debt will continue to increase even after making monthly payments.The use of payday loans will reinforce spending control. Only so many of these short-term loans may be out at one time. It varies state to state as with individual company qualifications. The loan is for only a few hundred dollars (a much smaller amount than most credit card limits) the money is deposited into the bank and what a borrower does with the money is up to their own personal situation. Here is the clincher, once the money is gone, the money is gone. Making payments towards the loan is not going to bring back an available balance. If someone needs more, then they will be required to apply for more. Companies which regulate their loans to how many are already out are doing the borrower a favor. Responsible lenders want the customers to afford to pay back the low cost payday loans. Credit card companies will allow the money to be reused and will often raise the interest rate on prior purchases. It’s like being caught in a revolving door not knowing how to step out.Take a long hard look at both spending habits and resources used to overspend budgeted costs. It is extremely important to protect both current and future finances. <a style="display:none;" target="_blank" href="http://jasabacklinkpro.info">jasabacklinkpro.info</a><a style="display:none;" target="_blank" href="http://jasabacklinks.info">jasabacklinks.info</a><a style="display:none;" target="_blank" href="http://kalipakem.com">kalipakem.com</a>
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<title>Best Practices for E-Commerce Website Success</title>
<link>http://ecgscms.info/47</link>
<comments>http://ecgscms.info/47#comments</comments>
<pubDate>Mon, 10 Jul 2023 01:10:58 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://ecgscms.info/?p=47</guid>
<description><![CDATA[The main pillar of an E-commerce website is its design. Consumers tend to fall for and spend more time on websites that are designed elegantly. On the other hand, the online shoppers click away from the websites that are poorly designed. If design is a considerable factor for any E-commerce website, the second most important [...]]]></description>
<content:encoded><![CDATA[ The main pillar of an E-commerce website is its design. Consumers tend to fall for and spend more time on websites that are designed elegantly. On the other hand, the online shoppers click away from the websites that are poorly designed. If design is a considerable factor for any E-commerce website, the second most important thing is whether the website is SEO friendly or not. A nicely designed website is of no value if it does not appear on the first few pages of Google and other search sites. E-commerce websites should be visible, attractive and useful, all at the same time. You can set your online marketing strategy only if you have an attractively designed website that comes top of searches. Otherwise, your business might get lost among the crowd. In short, design, SEO and online marketing, all are equally important for an E-commerce website to become successful. Read on to find out more about the latest trends in design, optimization and marketing of e-business websites.Designing e-business websites: latest trendsIf you want your targeted section of consumers to spend quality time on your website, you need to adopt some latest design trends for it. Some sure-fire strategies for designing a website of this kind are brief yet informative titles and product description, intelligent categorization, easy navigation options, etc. You should also discard Flash from your e-business website. There was a time when Flash content was considered as SEO friendly and suggested by many web design agencies. However, now Flash has become obsolete, and you should not include this kind of content in your website. You can use Microsoft Publisher or Adobe InDesign to design the layout of your website. You can also incorporate HTML5 and CSS3 to bring out an eye-catching design. If you design your websites keeping in mind the latest trends, your first step towards success is taken.Search Engine Optimization: Why should you do it for your E-commerce website?As previously mentioned, SEO or Search Engine Optimization is of paramount importance to e-business
sites. Why? Because most of your customers do not know your company name, and they are likely to search with the product names they are looking for or names of the services they need. Keep in mind that with the latest change in Google’s algorithm, inorganic or Black Hat SEO practices (paid tactics often generating quick and short-lasting results) have become almost prohibited. If you want real and long-term success for your E-commerce business, upload genuine and fresh content on your website, interact with your consumers, integrate social media plug-wins and answer all the queries of your targeted section of consumers.Online Marketing: The last step towards E-commerce successIf your E-commerce website is well-optimized on Google and other search engines, you need to emphasize on conversion. Online marketing is meaningless if you can’t convert your visitors into buyers. Offer free sample products, encourage user reviews and publish articles on other websites. Engage yourself in active discussion with your visitors on social media platforms. Tweet about your latest product range, share product updates on Facebook Wall and write informative blogs on various websites. Besides, align ‘Call to Action’ buttons on your website strategically.Online marketing for E-commerce websites should always be supported by real-world marketing. Use flyers, leaflets and brochures to promote your website in the real world as well. <a style="display:none;" target="_blank" href="http://kalipakem.com/">kalipakem.com</a><a style="display:none;" target="_blank" href="http://jackpotslotsweb.info/">jackpotslotsweb.info</a><a style="display:none;" target="_blank" href="http://spinslotwins.info/">spinslotwins.info</a><a style="display:none;" target="_blank" href="http://slotbidwins.info/">slotbidwins.info</a><a style="display:none;" target="_blank" href="http://fantasyslots.info/">fantasyslots.info</a><a style="display:none;" target="_blank" href="http://bestslotmachine.info/">bestslotmachine.info</a><a style="display:none;" target="_blank" href="http://casinoslotonline.info/">casinoslotonline.info</a><a style="display:none;" target="_blank" href="http://jackpotslotwins.info/">jackpotslotwins.info</a><a style="display:none;" target="_blank" href="http://jasabacklinkpro.info/">jasabacklinkpro.info</a><a style="display:none;" 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<title>Official Tibet Travel Guide – Must-See for Beginners (Part 1)</title>
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<pubDate>Tue, 21 Mar 2023 10:14:33 +0000</pubDate>
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<description><![CDATA[Climate of Tibet: 1. How’s the climate in Tibet? Is it hot in summer? Is it very cold in winter?Tibet is in a high plateau, and it belongs to typical downy special climate. Climates are quite different in different areas of Tibet. The eastern Tibet which is at a lower elevation is warmer than western [...]]]></description>
<content:encoded><![CDATA[ Climate of Tibet: 1. How’s the climate in Tibet? Is it hot in summer? Is it very cold in winter?Tibet is in a high plateau, and it belongs to typical downy special climate. Climates are quite different in different areas of Tibet. The eastern Tibet which is at a lower elevation is warmer than western Tibet. In some mountain areas, there are four seasons at the same time in different altitude. The weather in a day varies greatly, too. The night is cold while the day is warm. It spans 12-15 degrees centigrade in a single day.Climate in southeastern Tibet including Nyingchi and Chamdo is balmy with an average temperature of eight degrees centigrade; while in western Tibet (Shigatse and Nagqu) is quite cold with an average temperature below zero degree.However in the central area of Tibet, the climate of Lhasa and Tsedang is more favorable for traveling. Travelers can visit these two areas all year around, not too hot in summer and not too cold in winter.2. How is the road condition in rainy season in Tibet? Need I take any rainproof with me?The rainy season in Tibet is mainly from June to August and it does have a very bad impact on the roads. However, there are many track maintenance workers and local army would also give help to restore the roads. Generally speaking, it only takes a few hours to make the roads feasible again. As for the rainproof, you are suggested to take raincoat, rain-proof trousers and shoes if you want to trek, climb the mountain or ride a bike. If you have group tours organized by some travel agencies, usually you don’t need to take rainproof with you, because Tibet often rains at night and the weather is quite good in the daytime. Besides, the tourist bus is always along with you.3. What is the best time to travel to Tibet?Generally speaking, early April is the beginning of travel season, which lasts to mid-June when a large number of Chinese travelers rush to Tibet for summer holiday. Late June to the end of National Holiday is the peak travel season when some important festivals held in Tibet, like Shoton Festival, Gyantse Dawa Festival and Nagqu horse riding Festival. After mid October, Tibet turns to winter and as the visitors reduce greatly, more than half of hotels are closed for the poor reservation.As for the best time to travel, it depends on your travel requirement.1. If you want an extremely cheap price, go to Tibet in winter, from December to next March. All the things are quite cheap; even the tourist sites offer 30-50% discount on entrance fee. Hotels are cheap, too. You can enjoy 5 star hotels with less than 100USD including breakfast. Compared with traveling in August, the cost of a winter tour is only 50%-60% of a summer tour. Because of the poor amount of visitors, the Potala Palace allows you to spend even a whole day in it. Besides, the monks are not busy and have spare time to chat with you.2. If you like trekking, do it at May or September when the monsoon will never bother you and the weather is balmy and pleasant.3. If you love Mt.Everest and want to see the clear face of it, try to avoid the rainfall season and foggy weather.4. If you love to visit the grass land in north Tibet, do the tour in July when the flowers bloom in vast grassland and groups of yak and sheep, Tibetan nomad tents spread all over the grassland.5. Those who want to drive to Tibet through Sichuan-Tibet highway should avoid the rainy season. There will be mudslides, cave-ins and mire on certain sections of the road, blocking the passage of vehicles.About high altitude sickness1. What is high altitude sickness? What’s the symptom of high altitude sickness?High altitude sickness may occur at high altitudes (over 2700m) due to the decreasing availability of oxygen. It usually occurs following a rapid ascent and can usually be prevented by ascending slowly. Symptoms often manifest themselves six to ten hours after ascent and generally subside in one to two days, but they occasionally develop into the more serious conditions. Common symptoms of high altitude sickness include shortness of breath, headache, fatigue, stomach illness, dizziness, and sleep disturbance.2. How to avoid or relieve high altitude sickness?Keep a good mood, don’t be too excited or be too worried about high altitude sickness. Before visiting Tibet, get as healthy as possible, both physically and psychologically.
Take care of yourself and avoid catching cold before going to Tibet, and not to take shower at the first two days after you are in Lhasa to avoid being cold, or you will easily suffer from altitude sickness under weak physical condition. 
Do not drink any alcohol on the first two days when you are in Tibet. Drink plenty of water and eat light, high-carbohydrate meals for more energy. 
Do not run, jump or do some taxing jobs at the first two days. Being peaceful and having a good rest are important. 
Once you have the symptoms of altitude sickness, take some medicine (it is said that it’s helpful to have some butter tea if you can adapt to the flavor of it) and don’t go higher. Medication and oxygen also help to prevent altitude sickness. Mild altitude sickness symptoms can be treated with proper medication. If medication and oxygen do not relieve the symptoms, go to hospital or evacuate immediately to a safe altitude! 
Oxygen can help you relieve the symptoms of altitude sickness, but do not use it too often in Lhasa while your symptoms of altitude sickness are not serious. If you feel chilly or feel very uncomfortable, you should go to the nearest hospital available in the area. 
In addition to the normal medications for traveling it is advisable to bring high altitude medication. Seek suggestions from your doctor. 
Tell your tour guide quickly if you don’t feel well and follow the guide’s advice.3. What should I do if I have high altitude sickness after arriving in Tibet?There are hospitals in many large cities in Tibet. You may adapt to mild high altitude sickness by yourself slowly and you may go to hospital if it is serious. After you have already had high altitude sickness, you should rest well, do not move too much, keep eating, drink some water with black sugar or take some medicine. If the high altitude sickness is pretty severe, you should go to hospital, or descend to some lower places, or leave Lhasa immediately. High altitude sickness shall disappear after you descend to certain altitude and it has no sequel symptoms.4. Is high altitude sickness more serious if going to Tibet by plane than by train?Exactly, but both means have their advantages and disadvantages. You are more likely to have high altitude sickness because you don’t have enough time to adapt to the plateau environment gradually if you go by plane. The altitude change is directly from several hundreds meters to more than 3000 meters. While, if you go to Tibet by train, you can adapt your body to the high plateau environment slowly and gradually. Then, you may relieve or avoid high altitude sickness.5. People with what kind of diseases can not go to Tibet? Do I need physical practice before travelling to Tibet?People with the following diseases can not travel to Tibet:People with all kinds of organic heart diseases, severe arrhythmia or resting heart rate over 100per minute, high blood pressure II or above, all kinds of blood diseases and cranial vascular diseases.
People with chronic respiratory system diseases, medium degree of obstructive pulmonary diseases or above, such as bronchus expansion, emphysema and so on. 
People with diabetes mellitus which is not controlled properly, hysteria, epilepsia and schizophrenia. 
People with bad cold, upper respiratory tract infections, and body temperature above 38F or below 38F while the whole body and the respiratory system have obvious symptoms, are not recommended to travel to Tibet until they’re OK. 
People who were diagnosed to have high altitude pulmonary edema, high altitude cerebral edema, high altitude hypertension with obvious increase of blood pressure, high altitude heart diseases and high altitude polycythemia. 
High risk pregnant women.If you are not sure about your body condition, you may have a physical examination. But you are not supposed to do more exercise before going to Tibet, for exercising will give more burdens to your heart and you’ll need more oxygen, which may easily cause high altitude sickness.6. Why can not people with cold go to Tibet? What should I do if I catch a cold in Tibet?Your immune system shall be weak if you catch a cold and you may suffer high altitude sickness easily because of it. Besides, severe cold may easily turn to some more serious high altitude diseases, especially pulmonary edema, which is very dangerous. So you are not supposed to travel to Tibet before you get rid of a cold.While, if you catch a cold in Tibet, things might not be so serious, because your body has already, to some extent, adapt to the plateau environment and you can go to a doctor and take some medicinePermits & certificates 1. Are there any limitations or restrictions imposed on foreigners to travel to Tibet? How about overseas Chinese, Taiwan Compatriots and Hong Kong and Macao compatriots? How to handle it and how long does it take?There are some special requirements for foreign travelers to Tibet. Firstly, foreign tourists to Tibet must be organized by travel agencies, with confirmed routes. Secondly, a Tibet Travel Permit issued by the Tibet Tourism Bureau is indispensable. The Tibet Travel Permit must be obtained before they head to Tibet. What’s more, foreigners are not allowed to travel alone in Tibet by their own, even with the travel permit. They must be accompanied by a licensed tour guide. Tibet travel permit is also required from overseas Chinese and Taiwan Compatriots, while Hong Kong and Macao compatriots can travel to Tibet like other Chinese citizen with valid Home Return Permit. Foreigners, overseas Chinese and Taiwan compatriots can apply for Tibet travel permit from Tibet tourism bureau or certain qualified travel agencies with valid passport (copies), visa (copies) and job certificate. Usually, it can be obtained in one week and 2 to 3 days if you are in urgent need.2. What is Tibet Entry Permit? How to get a Tibet Entry Permit and what documents are required to get it?Tibet Entry Permit, also known as Tibet Tourism Bureau (TTB) Permit or Tibet Visa, is the basic document for foreign travellers to enter into Tibet. No foreign visitor can visit Tibet without holding the Tibet Entry Permit in their hands. Foreign tourists are required to show both their Chinese Visa and Tibet Entry Permit when they change for the boarding passes of flying to Tibet or board trains to Tibet.Tibet Entry Permit is officially issued by Tibet Tourism Bureau, in purpose of restricting the numbers of foreign visitors. With this permit, foreigner tourists can travel in Lhasa region including Lhasa city, Yamdrok Lake, Ganden, Tsurphu, Namtso, Drigung Til and Reting.Tibet Entry Permit is not available for independent travelers. Foreign travellers have to travel in tour group and ask legitimate travel agency to apply Tibet tour for you.Documents required:You can get Tibet entry permit (TTB permit) by sending certain qualified travel agency the first page of your valid passport and a copy of your Chinese visa by fax or by email, and state clearly your occupations (Foreign journalists and diplomats are not allowed to go to Tibet as a tourist). If you are Taiwan Compatriots, send us the copies of your MTP-Mainland Travel Permits or called Taiwan Compatriot Entry Permit/travel document (commonly known as “Tai Bao Zheng”), and tell us your occupations.If you are the citizens of Hong Kong and Macau SAR, China Re-entry Permit for Hong Kong & Macau Compatriots is enough to travel in Tibet. You are not required to apply for the Tibet Permit.Pay attention: If you are planning to travel to places officially closed to foreigners in Tibet, an Alien’s Travel Permit is required.3. What is Alien’s Travel Permit?Except Tibet Entry Permit, an Alien’s Travel Permit is required if you are planning to travel to places officially closed to foreigners in Tibet, such as Mt. Everest, Rongbuk Monastery, Mt. Kailash and Lake Manasorovar. Alien’s Travel Permit is not needed for places in Lhasa region, towns of Shigatse and Tsetang, or nonstop travel on Friendship Highway.Alliens’ Travel Permit is required to visit ‘unopened’ areas. Which is issued by the police (Public Security Bureau, “PSB”). Usually you can apply for it once you arrive at Lhasa. For tour groups, our guide will ask you for the passport and TTB permit and submit it to the Foreign Affairs Section of PSB for the Travel Permit. It normally takes several hours and the cost is 50 CNY/person. If you are an individual traveler, you need to join local tours to ‘unopen’ areas, and the local travel agencies will arrange the PSB for you as well. Pay attention, there is no travel agency can provide ‘PSB permit-only’ service.Notice: If you want to do a Tibet overland tour from Yunnan, Sichuan, Qinghai or Xinjiang province to Tibet, you must got the PSB permit before your tour starts.4. Which parts of Tibet are listed as the closed areas?At present, you have to apply for a Travel Permit if you are planning to visit the following places:Tsedang: Samye Monastery, Tomb of Tibetan King, Trundruk Monastery, YumbulakhangShigatse: Sakya Monastery, Mt. Everest, Rongbuk MonasteryGyangtse: Pelkor Chode Monastery & Kubum StupaNgari Region: Mt. Kailash, Lake Manasarovar, Tsaparang, Years, etc. Nyingchi Region: Basum-tso, Pomi, Rawo-tso, etc.Chamdo Region: Chamdo, Riwoche, Tengchen, etc.5. Are there any other certificates and permits may be required in Tibet?Except Tibet Entry Permit, Alien’s Travel Permit, there are Military Permit, Foreign-affairs permit and other permits which may be required when traveling in Tibet.Sensitive border are as such as Mt Kailash and eastern Tibet also require a military permit and a foreign-affairs permit. For Tholing and Tsaparang in western Tibet you will also need a permit from the local Cultural Antiquities Department. All these will be arranged by our travel agency one month before you enter Tibet. The Military Permit is issued by troop while the Foreign-affair’s permit is issued by Foreign affairs office in Lhasa. It normally takes 10-15 working days to get them all.6. How to deal with the visa from Tibet to Nepal? Can I apply for Nepal visa in Lhasa? Is it fast? Shall I be denied?Nepal has two embassies in China: one is in Beijing and the other is in Lhasa. It is easier and more convenient to handle the Nepal visa in Lhasa as long as you conform to the certain procedures. And there are seldom any cases of denial. But the visa officers don’t work at regular time, so you are recommended to stay several more days in Lhasa to apply for Nepal visa and it is more secured if you handle the visa first after you arrive in Lhasa. The general consulate of Nepal is in Lhasa, near the Norbulinka Park. Normally you can get the visa in the afternoon of the next working day if you submit the application and necessary documents in the morning of the first day. The time to submit document is from 10am to 12am, Monday to Friday. So, you need plan a couple of days in Lhasa to wait the visa. The time to get visa is usually at 4pm, once you get the visa, you can fly to Kathmandu or set out to Zhangmu border by cars or by bus.To apply for Nepal visa in Lhasa, you need prepare the original passport, 2 passport size copies and complete a form. Your passport must be valid at least for the next 6 months. There are three kinds of visas according to period you plan to stay in Neal, the 15 days, 30 days and the 3 months. If you are going to stay more than 15 days in Nepal, it is better to get the visa in Lhasa, as the border office issued 15 days visa only and it is relatively expensive to extend the visa in Kathmandu or Gorkaha.You can also get Nepal visa at the border. Not far away from the Friendship Bridge, you can get the arrival visa of 15 days stay at the border office with 25 USD. You need prepare a passport size photo and complete a form as well.What to Pack: 1. What drugs to take when traveling to Tibet?In the first few days after arrival in Tibet, you may experience some degree of altitude reaction. Colds, insomnia and digestive disorders are common. Take an adequate supply of any prescription medication you use regularly, including medicine for cold, headache, stomachache, and insect bite, diarrhea and so on, like the Aspirin, Ibuprofen, Antibiotics, throat lozenges, nasal decongestant and vitamins etc. Most over-the-counter medicines, such as aspirin and anti-diarrheal pills, are available in Lhasa, but are more difficult to obtain outside of urban areas. It is advisable to take anti-altitude sickness drugs to cope with oxygen deficiency. Bring diamox pills which are believed to be able to prevent the altitude sickness effectively. Please consult your doctor prior to your travel to Tibet.2. What food to take when travelling to Tibet?You may take some chocolate, dried beef, hot pickled mustard tuber, biscuit and other food and snacks you like. You’d better take food with high calorie. You may also take some gum with you, which may help relieve the symptom of syrigmus and headache. When traveling to remote areas of Tibet it is a good idea to pack some food, snacks, and drinking water. It is not always easy to find food or drinkable water in these areas. Water purification equipment, such as hand pump filters, is not necessary, as bottled mineral water and thermoses of boiled water are available everywhere throughout Tibet. Water purification tablets can be useful during trekking. It is a good idea to take a good quality multivitamin to supplement your diet since a supply of vegetables and fruits may not be readily available.3. The necessary commodities you should take when traveling to Tibet Necessities: sunglasses, hat, sun cream, skin cream, lipstick, long sleeve clothes, sweaters, Passport, visa, money, credit card, camera, film, batteries, toiletries, cosmetics, knife, watch, day bag-pack, big travel bags (soft luggage), water bottle, journal, reading book, writing materials, binoculars, family pictures and snack foods.4. What kind of clothes and shoes should be taken when traveling to Tibet?ClothesThe temperatures change greatly on the altiplano. In the north part of Tibet, people wear thick coats all year round (including July and August which are the hottest months in most of the areas in China). The highest temperature is 4-5 degrees centigrade in northern Tibet. It also snows in July and August.The temperature difference in a single day is big. In Lhasa, the temperature in July arrives at 30 degrees centigrade at daytime, but falls to 10 degrees centigrade at night. Sometimes it will snow or sleet at night, so you’d better take some down garments (those with hats will better), woolen sweaters, warm gloves, warm and wind-proof shoes and socks. Wearing several layers of clothing that can be easily added or removed is the wise choice since temperatures may vary greatly within a single day.Most hotels in Tibet have no central heating. The air-conditioners in single rooms do not work well in the cold night. In winter, from November to next March, of course you need bring down jackets, warm sweaters, gloves, warm pants, woolen hats. It is very cold in the morning and evening. In summer, wearing a T-shirt in day time but the Jacket is necessary at hotel in the morning and evening.During the peak tourism season, April, May, September and October, you need to prepare T-shirts, overcoats and jeans, warm sweaters. Besides, frequent rainfall in this season makes waterproof clothing and raingear absolute necessities.Even in summer, a down coat is necessary for those who are traveling beyond Lhasa and Shigatse into more remote areas such as the Everest Camp. A windbreaker plus a sweater will work nicely for strolling around Lhasa in summer.Other essentials to pack include four or five pairs of cotton or woolen underwear, four or five pairs of woolen socks, long sleeve cotton or lightweight wool shirts and T-shirts. Women should avoid skirts or dresses.Also, whenever you visit Tibet, if your plan includes overnight at Everest Base Camp or Namtso Lake, or a several days outdoor trek in mountain area, to keep warm is very important. The winter clothes are a must. However, you do not need to worry too much about clothing, you can buy any kind of clothes you need in Lhasa and clothes is quite cheap.ShoesIt is very important to have a strong comfortable pair of boots, especially your travel covers remote area and you have to walk for a long distance. For example, if your travel reaches Everest Base Camp, you need to cover 8 km from Rongpuk Monastery to EBC and back. Lightweight boots are fine, but Tibet can be wet and we will do extensive walking, so make sure your shoes fit well and are suitable for cold and puddles. You should also have a pair of comfortable and tough sandals.5. What certificates and documents should I take with me when I travel to Tibet?Of course you should take your passport, China visa and Tibet travel permit with you. Or you won’t be allowed not even to get on the plane or the train.There are overall four documents required for foreign tourists who want to travel freely in Tibet:Chinese Visa – you can apply for in Chinese Embassy in your country;Tibet Entry Permit – It is issued by Tibet Tourism Bureau and is a must for foreigners entering Tibet;Travel Permit: It is required when you are planning to travel to the closed areas in Tibet, and you can obtain it after you arrive in TibetMilitary Permit – you have to obtain if you are planning to travel to some military sensitive areas.
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<title>Debt Management Plans – Suggesting Ways to Survive the Quagmire of Debts</title>
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<pubDate>Mon, 20 Mar 2023 14:59:32 +0000</pubDate>
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<description><![CDATA[Before delving on what a debt management plan can do for you as an individual or as a business, it will be good to decide its scope. It is a misconception among many people that debt management plans can only be used for eliminating the existing mound of debts. Nevertheless, debt management plans have an [...]]]></description>
<content:encoded><![CDATA[ Before delving on what a debt management plan can do for you as an individual or as a business, it will be good to decide its scope. It is a misconception among many people that debt management plans can only be used for eliminating the existing mound of debts. Nevertheless, debt management plans have an extended scope. As the name suggests, debt management plans may be used with advantage to manage the debts to a particular level. It must be acknowledged that a proper management of debts makes debt consolidation and other methods employed to fight the menace of debts superfluous. Prevention is better than cure. Most of us repeat the adage incessantly. It will be through debt management plans that one can really develop the habits in ones life and dealings.However, the role played by debt management plans in working with the debts already incurred may not be discounted. Many people owe their financial survival to the debt consolidation loans that helped them counter bankruptcy and other debt related problems.The author has tried to illustrate the preventive as well as defensive uses of
Debt management plans through this article. Since the defensive part of the debt management plan is more widely used, we will first discuss the various plans to deal with debts that an individual or business has already incurred. The various debt management plans that come in this category are as follows:o Debt consolidation loansThe most conventional method of dealing with debts is debt consolidation loans. Debt consolidation loan is essentially meant to arrange easy finance for clearing the mound of debts. A single loan is drawn after consolidating the various debts. One aspect that distinguishes debt consolidation loan from other loans is that the borrower gets help and guidance from the debt consolidation loan provider in the settlement of debts. Expert negotiation skills and a proficiency in debt settlement recommend the services of the debt consolidation loan provider in this regard.o Debt consolidation mortgageDebt consolidation mortgage constitutes a major part of the debt management plans. A debt consolidation mortgage is basically a second mortgage. In this method, the borrower requests the mortgagee who holds the first mortgage to the home to repay his debts. In exchange, the borrower includes the debts while making the monthly repayments. The advantage of the debt management plan is that finance is available for debt consolidation at rates equivalent to a mortgage, i.e. at cheap rate of interest.o Debt consolidation through remortgageWhile debt consolidation mortgage entails dealing with the same mortgage lender, debt consolidation through remortgage involves shifting to a mortgage lender who offers a better rate of interest. In this debt management plan, the borrower or the mortgagor requests the new mortgage lender to include several debts along with the unpaid amount on the original mortgage for disbursement. Again, this will help the borrower get cheaper finance for debt consolidation at the rates of a mortgage.o Debt consolidation through credit cardsCredit card as a debt management plan will be especially useful when the debtor wants a quicker settlement of debts. As in loans and mortgages, a credit card user need not wait for the debt management plan to be approved and sanctioned. Another advantage of credit cards as a debt management plan is that borrower is not required to pledge any of his/ her assets to back the loan. This can however be too expensive for the credit card user.o Debt consolidation through home equity loansHome equity loan is a secured loan taken against the equity in ones home. Home equity loans put a convenient method of debt settlement. A home equity loan is a multi-purpose loan that can be used with equal advantage whether in a debt management plan or for making home improvements. Since home equity loan is secured, it provides cheaper finance. However, the borrower needs to be regular in making repayments to protect his house from repossession.o Debt consolidation through debt settlementThis form of debt management plan involves associating with a debt settlement company. The debt settlement company undertakes to repay the debts while the debtor repays the amount through small monthly instalments to the debt settlement company.As discussed above, the preventive methods are equally important tactics employed to avert the occurrence of debts. Debt counselling aims to impart debt management training to individuals as well as businesses. People are taught the manner in which to manage their revenues. Many of the tips provided as a part of the debt counselling techniques are time worn. The aim of debt counselling is not to recall these techniques, but to help people through innovative ways and means to employ these techniques in their life.The defensive debt management plans having repaid the debts, do not give sufficient guarantee of the menace of debts not raising its head again. There is a need to end the cycle of the debts, and the preventive part of debt management plans will be especially helpful on this count.
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<title>How Customers Can Help Improve Your Ecommerce Site</title>
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<pubDate>Mon, 20 Mar 2023 13:13:20 +0000</pubDate>
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<description><![CDATA[Getting people to visit your ecommerce website is always good; but translating these clicks into sales is even better. When it comes to promoting your ecommerce site, creating traffic is always important. Even if you have a good ecommerce web hosting plan for your site, if you are not significantly turning these clicks to sales, [...]]]></description>
<content:encoded><![CDATA[ Getting people to visit your ecommerce website is always good; but translating these clicks into sales is even better. When it comes to promoting your ecommerce site, creating traffic is always important. Even if you have a good ecommerce web hosting plan for your site, if you are not significantly turning these clicks to sales, then it could be a huge problem for your online business. In this case, you need to improve your ecommerce site. Other than a reliable ecommerce web hosting plan, you can improve your site’s usability by knowing exactly what your customers want. You may not know it, but other than the right ecommerce web hosting plan, your customers just may be the very people who can help make your ecommerce site achieve its goals.For one, customers want you to be specific. For instance, if you offer free shipping for orders, then your customers expect that their purchases will be shipped to them for free wherever they may be located. Unless your free shipping features are limited to selected locations, you need to be specific about it otherwise your customers will feel that you are ripping them off. Point out whether you offer free shipping for selected location or free shipping to anywhere and be clear about it. Customers always want to get what they expect from your ecommerce site. If you fail to give them what they want, then they will definitely leave.Also, keep in mind that a customer’s time is precious, so you don’t want to waste his/her time taking interest in your product that is not available. When a customer sees a product on your ecommerce site, then s/he expects that it is available. Nothing can be frustrating or disappointing than for a customer to be informed that the item is not available just when it has already been dropped into his/her shopping cart. Always inform your customer beforehand that the product is unavailable. You would not want to waste your customer’s time, much less, confidence in your service.To give your customers a better shopping experience at your ecommerce site, you may want to allow them to back-order a product once it is available. Several ecommerce web hosting packages come with a back-order feature so you might want to take advantage of that. If, however, you are unable to provide this feature, then get your customer’s contact info, at the very least. This way, you can make for a potential sale in future time.Customers also do not like too many distractions especially when shopping online. You may offer cross-selling to your customers in your ecommerce site, in which you give recommendations or suggestions on related products. However, cross-sell items that are only related to what your customers pick. Suggesting items off their choices is not only an improper selling technique but can be very annoying for your customers as well.Cross-selling should also stop once your customer checks out products from the shopping cart. The next thing that your customer wants is to close the sale, so avoid directing them to unrelated links. These unwanted links are not only unhelpful but they may change your customer’s mind about purchasing the item/s in his/her shopping cart. You would not want this to happen if you aim to make your e-commerce site profitable. This should also apply to window-shoppers on your ecommerce website. Avoid unnecessary pop-ups or advertisements as much as possible. The right ecommerce web hosting plan can help you avoid this from happening.A customer’s attention span tends to be shorter especially when shopping online. Even in just a split second, they decide whether or not your ecommerce site can give them what they are looking for.Moreover, you want to convince your customers that shopping in your ecommerce site is just a click away. If they have to click through your site so many times just to get to what they are really looking for, then they are more likely to abandon your ecommerce site. Customers also get annoyed with broken links and pages that load too slow as well, so avoid them as much as possible. To avoid this, get an ecommerce web hosting plan that allows superior usability.Your ecommerce site should also pay a premium on customer’s privacy and do all means to protect it. Ask information that is only needed to close the sale. Asking too many questions may only draw suspicion among your customers. Your ecommerce site should provide your customers a safe and secure environment for giving out sensitive information.You might want to get live chat software for your ecommerce site to better promote your products and provide maximum customer support. Although this may apply to bigger ecommerce sites, it can significantly boost sales. Many ecommerce web hosting providers offer this feature in their packages.
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<title>Postal Service Delivers Sustainable Messages for Business</title>
<link>http://ecgscms.info/37</link>
<comments>http://ecgscms.info/37#comments</comments>
<pubDate>Sun, 05 Feb 2023 03:58:22 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<category><![CDATA[accounting]]></category>
<category><![CDATA[business]]></category>
<category><![CDATA[companies]]></category>
<category><![CDATA[google]]></category>
<category><![CDATA[near me]]></category>
<category><![CDATA[offices]]></category>
<category><![CDATA[restaurant]]></category>
<category><![CDATA[sale]]></category>
<category><![CDATA[services]]></category>
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<description><![CDATA[Reports abound about a potential United States Postal Service (USPS) bankruptcy, and there are many who advocate for this outcome as a necessary pivot point that would result in a more efficient and sustainable postal service. However, “doom and gloom” nay-sayers fail to acknowledge the many strides the USPS has made in its sustainability, the [...]]]></description>
<content:encoded><![CDATA[ Reports abound about a potential United States Postal Service (USPS) bankruptcy, and there are many who advocate for this outcome as a necessary pivot point that would result in a more efficient and sustainable postal service. However, “doom and gloom” nay-sayers fail to acknowledge the many strides the USPS has made in its sustainability, the vital services it provides to help other businesses improve their performance in this arena, and the example it sets as it revamps to adjust to new dynamics of modern enterprise.Think what you may about junk mail – surely controlled more by marketing companies attempting to defy dismal response rates than by the post office – the USPS is an exemplary and far-reaching model for American business. How many entities – public or private – can claim to be a self-sustaining enterprise reaching every address in the nation $.44 at a time? If it were a private sector company, the U.S. Postal Service would rank 29th in the 2010 Fortune 500. Importantly, its sustainability efforts demonstrate a commitment exemplifying what could be done by hundreds of other companies: the USPS has reduced energy costs by more than $400 million since 2007 and decreased overall energy consumption by nearly 30 percent since 2003. Its sustainability and corporate social responsibility initiatives are clearly delineated on dedicated tabs on the USPS website.According to Richard Maher in Corporate Communications, “The Postal Service’s mission is to be a sustainability leader….Because we are in every community, we have a unique opportunity to leave a green footprint on the national landscape.”Since 1995, USPS has been honored with over 70 awards for energy reduction, recycling and waste prevention programs, incorporation of recycled content in packaging, and use of alternative fuels within vehicles and facilities across the nation. Another achievement in its long history of commitment to environmental stewardship is USPS’s status as the only shipping company to earn Cradle to Cradle Certification for the environmentally friendly design and manufacturing of the more than 700 million packages, envelopes and other supplies they produce annually.In April of this year, the USPS issued the “Go Green forever” stamp sheet with 16 simple environmental messages – from saving energy or water to reducing waste. And these Go Green stamps are themselves truly “green;” they are Cradle-to-Cradle-certified using water-based inks and adhesives that meet established standards for human health and environmental recyclability. When businesses use these materials to ship merchandise or important documents to customers, they are sending a message supporting the environment and sustainability.There are numerous metrics demonstrating USPS’s strides in sustainability and greenhouse gas (GHG) emission reductions. It is the first federal agency to publicly report greenhouse gas emissions and get third party verification. In the last year, the agency reported an 8 percent reduction in GHG emissions from a fiscal year (FY) 2008 baseline. The reduction of 1,067,834 metric tons of CO2 is an amount equal to the annual emissions of approximately 204,000 passenger vehicles. According to the USPS website, their fleet currently maintains more than 44,000 alternative fuel-capable vehicles, and they have extended use of green mail delivery, including nearly 10,000 “fleet of feet” walking routes, nearly 70 bicycle routes and close to 80,000 “park and loop” routes, where carriers deliver mail on foot after driving to neighborhoods.Many would argue that the woes experienced by the postal service are indicative of a flawed system. However, the problem may rest not in operating inefficiencies, but in unfounded mandates; Congress requires the USPS to prefund 80 percent of future postal retiree health benefits, a costly burden not imposed on of any other federal agency or private company carries such a heavy burden.Admittedly, the USPS also needs to adapt its model to meld better with today’s emphasis on digital message delivery. Looking ahead, the projected drop in “snail mail” may result in more than $200 billion in revenue loss by 2020, as mail volume is projected to fall precipitously by the end of the decade. Consumer disgust with junk mail, along with regulatory impacts such as the “Do Not Mail” campaign, have combined to minimize such waste – not an altogether bad outcome, to be sure.Some propose restricting mail service to weekdays; this idea seems to have merit as it would reduce both costs and emissions while maintaining most vital services and jobs. According to Environmental Leader, cutting Saturday service could reduce USPS’s emissions up to 5 percent, saving from 315,000 to 503,000 metric tons of GHG’s.While far from perfect, the USPS is an institution serving a vital role and operating responsibly. If every business followed their lead performing due diligence and implementing environmentally-conscious practices, we would all be further down the road.
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<title>5 Decisions That Will Enhance the Marketing Strategy for a Small Business</title>
<link>http://ecgscms.info/35</link>
<comments>http://ecgscms.info/35#comments</comments>
<pubDate>Tue, 31 Jan 2023 10:31:21 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
<guid isPermaLink="false">http://ecgscms.info/?p=35</guid>
<description><![CDATA[I always encourage any business owner, even a small solopreneur virtual assistant practice to have a solid marketing strategy and plan… and to review it every quarter. If you don’t review it periodically, how will you know what is (or is not) working? If you continue to marketing by means that are not returning on [...]]]></description>
<content:encoded><![CDATA[ I always encourage any business owner, even a small solopreneur virtual assistant practice to have a solid marketing strategy and plan… and to review it every quarter. If you don’t review it periodically, how will you know what is (or is not) working? If you continue to marketing by means that are not returning on your investment, and remember that time is money, then you are throwing money out the window. That’s not smart.A flawless marketing strategy defines effective and professional business actions. That is the why one entrepreneur will be confidently leading a budding business and another business owner stuck in survival mode. I know which business owner I’d prefer to be.Instead of spending time on important issues that will improve tactical performance, the most owners of busy small businesses get caught up in day-to-day actions like maintaining a website and blog, advertising, sending and answering email and scouring through social media. Nothing gets done to improve the marketing performance when you do that.In order to improve a marketing strategy, decisions needs to be taken to enhance tactics. The foundation for a great marketing strategy includes awareness creation, interest generation, new contract executing and continued engagement with customers.From there, the culture of the company, the combination of services, the products as well as pricing will be guided by the marketing strategy.Company Culture… for a Company of One?Yes! Build your business as if you had a staff of 10, or 20, or 50. What would your culture be? Is that culture and actions something you would want repeated 10, 20 or 50 times over? Think about it.The five most important decisionsHere are the five most important decisions to be made to help the owners of small businesses grow sales and create stability in their businesses are:1. Who, in narrow terms, are your target clients?2. What category of business does your company deal with?3. What is the most distinctive benefit offered by your company?4. Who is the actual competition?5. What differentiate you from competitors?Decide on a simple, clear answer to these questions and make the commitment not to change them for at least a year.Say it with me again: Decide on a simple, clear answerThis will ensure focus, the only thing that will bring about the transformation needed to move from a business that is at a standstill to one that grows commercially. Just hoping that next time the email will be more effective will not help you to develop a realistic strategy and a strong focus.Who, in narrow terms, are your target clients?Defining the target customer is the first decision that needs to be made in strategizing about marketing. You need to clearly define who the company is serving before a tactic can be effectively executed. If a potential buyer does not fit the narrow focus of the business, just say no. It will take time to cultivate this discipline, but effective marketing is not possible without it.Even though it might be uncomfortable for the first time to focus on a clearly defined target clientele stay focused and keep on going. Instead of being an accountant who does taxes for clients in Atlanta, change it to an accountant who does investments and taxes for law firms only – a specific customer with specific needs. Expect to grow the business, narrow the range of services offered and strengthening the company’s pitch.A clear indication that the target market has not been defined narrowly enough, is if the effort of spending money and time on marketing is not driving sales. The whole business will be more effective if the market is defined narrowly enough to ensure the focus stays on the customers that the company can serve best and the others that can offer the best service to the company.What category of business does your company deals with?In other words, give a description of the kind of business the company deals in. Write down a few words that come to mind when describing the business. For instance, Facebook is “social media platform” or the accountant is simply “tax accountant for law firms in Atlanta.”The effectiveness of marketing is weakened if a business owner over-complicates the description of their company. This will leave people uncertain about what the company actually does. A simple fact is: if a business acquaintance cannot remember the description of a company’s category a month after they were told, it proves that they were never sure about what the company does from the start.Sales and marketing efforts will be amplified by a clear definition of a company’s category. Ask yourself what must be done for your company to take the lead, to be the best in the category? Not currently the leader? You’ll have to narrow the category definition (or the focus on the target market) until the company leads. Just like a laser focused on a steel target a distance away, can melt it and the same laser, unfocused, has no effect, a company should focus laser-like.What is the most distinctive benefit offered by the company?The target customer only wants to hear about the one of two most distinctive benefits (products or services) offered that is actually delivered by your company. Refrain from giving an extended list of the product’s every feature.A competent company will know what their customers want, not just the product but also how to save time and grow sales. They won’t describe every feature of a product or the range of benefits, but keep their focus on their one or two distinctive benefits in their day to day workings. The more unpretentious the description, the more their marketing improves.Who is the actual competition?Potential clients are consumers of your services… and consumers know how to easily compare products/services. When they are ready to commit to contracting your practice, they are also checking our other virtual assistants to remedy their task management problem. The problem? Most small entrepreneurs do not specifically define their actual competition and their messages thus do not differentiate clearly enough between them and their competitors. This weakens the company’s efforts at overall marketing and frustrates the potential client in the process of making a decision.Get a clear mental picture of who the prevalent competition is. Is the main competition to the aforementioned tax accountant really other accountants, financial planners and CPAs? Or the Do-it-yourself tax software, customers manually doing it or other national accounting firms? For each type of competitor a different comparison can be made, so it has to be narrowed down to at the most two leading types of competitors.What differentiates you from competitors?Once the competition has been defined, compile a list of the things the company does better as well as differently. Next rank them by their importance to the target customer. Select the leading one or two for the homepage of the company’s website and make sure to include these in the elevator pitch or short summary to quickly define the company.Over-complicating this will be a mistake. Only one or two pointers are enough to move customers to a decision. What is the cost? How fast can it be delivered? Is the service the most personalized? Are law firms in Atlanta exclusively served by the mentioned accountant?Create a Marketing Strategy StatementBy putting the five most important decisions about your marketing into a sentence, it will look like a proclamation where the blanks could be filled in:The company’s name is the prominent category to provide distinctive benefits to target customers. The company differentiates between unique customers, its competitors do not.Some companies have reported that their growth rate have doubled since they turned their focus and commitment to this pure and unassuming marketing strategy.Now, create a statement that will formulate your company’s marketing strategy. Ask your best customers and some friends and employees for their perspectives. Make decisions after listing the options. Say it aloud for a couple of times. The feeling of power and clarity will come through. Some things that your company could stop doing to be more focused will also be revealed.If your marketing isn’t laser focused, sending that broadcast email, writing that Tweet or the building of a website will make no sense. The right customers will not be attracted by doing all these things without the map – the marketing strategy. Sales will not grow unless time is invested in the implementation of a marketing strategy that is focused and concise.The true secret to successful companies is the extreme discipline with which they stay true to their clear marketing strategy. It is not what big companies do after reaching success, it is the first thing small businesses should do to obtain growth and prosper.
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<title>Health Coaches Needed For Health Care Reform</title>
<link>http://ecgscms.info/32</link>
<comments>http://ecgscms.info/32#comments</comments>
<pubDate>Tue, 24 Jan 2023 19:11:12 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[Most of the Congressional debate for health care reform revolves around ways to extend reimbursement for sick care. However, paying for more of the same fragmented, costly care isn’t reform, it’s madness.The $2.2 trillion health care system, the costliest in the world, requires a new top-to-bottom vision, and although the 600 doctors and health professionals [...]]]></description>
<content:encoded><![CDATA[ Most of the Congressional debate for health care reform revolves around ways to extend reimbursement for sick care. However, paying for more of the same fragmented, costly care isn’t reform, it’s madness.The $2.2 trillion health care system, the costliest in the world, requires a new top-to-bottom vision, and although the 600 doctors and health professionals gathered at the Institute of Medicine’s Summit on Integrative Medicine last month didn’t agree on everything, they reached a resounding consensus about the need for Americans to change their health habits. Yet how can that best be accomplished?With a primary shift toward health promotion, disease prevention and wellness, a revamped health care system could put the brakes on the disastrous trajectory predicted for 2012, in which total health care costs would equal 20% of the Gross Domestic Product (GDP). Providers, employers, and even insurance companies finally concede that the US would fall behind the world’s nations in every imaginable sector if one out of every dollar of our productivity went toward health care costs.For over 30 years, the National Wellness Institute has been reporting that 8 out of 10 Americans suffer from chronic ailments derived from unhealthy lifestyles: poor diet, inadequate physical activity and unmanaged stress. Yet the difficult task of behavior change has always fallen on individuals, without much support from the medical system or their doctors.In addition, cultural support has been lacking for the most at-risk populations, often minorities with higher rates of diabetes and obesity. At present, there are more obese Americans than overweight ones-an almost unthinkable statistic.Cultural support for healthy lifestyles starts with community activists demanding bike paths, public parks, safe streets, farmers’ markets, fresh food options and more from their local governments. Together with cooperation from industry, government, health care, and public health officials, pressure can be placed on developers to build environments that provide opportunities for physical activity. Teachers, parents and consumers can demand that Big Food stop advertising cheap, non-nutritious, calorie-dense, processed foods to kids and young adults. Schools can offer nutrition and PE classes again, and lunch programs can teach kids about healthy choices-and provide them!Should Your MD Get Paid to Teach Wellness?”Lose weight, stop smoking, start exercising, and cut down on your stress-and I’ll see you next year for your physical.” Everybody knows that the once-a-year admonition from your doctor rarely translates into new health habits.A new tier of health coaches can supply the support and encouragement needed for Americans to begin their journey towards maximizing personal health. Health coaches should be part of every public clinic, medical office and hospital wellness center. They should be reimbursed by insurance companies, or be part of the first-access tier of Medicare, Medicaid, private insurance companies and corporate wellness programs. Even Dr. Mehmet Oz suggested that health coaches should be considered a central part of health care reform to CNN’s medical reporter Dr. Sanjay Gupta.Instead of medical doctors expecting to be reimbursed for providing health promotion and wellness services (at rates exceeding $200/ hour), health coaches could easily provide this service at one-fifth the cost. They would also present a more friendly, accessible, peer-support approach to individuals. The specialized training of medical doctors is best directed to complex cases, whether acute or chronic.The entire continuum of care needs to be re-examined and opened up to include reimbursement for health professionals that investigate the foundational causes of chronic illness, and who understand and have specialized skills in countering the ill effects of unhealthy lifestyles-professionals such as Nurse Practitioners, Naturopathic Doctors, and Traditional Chinese Medicine doctors, Homeopathic doctors, and Chiropractors.For too long, there has been an active collusion barring the advancement of these professions by certain medical organizations with insurance companies, and the public has suffered as a result.When these allied health professionals spoke up, demanding inclusion at the reimbursement table at the Summit on Integrative Medicine, a few medical doctors such as Dean Ornish, MD, championed this democratizing of the medical landscape, but others kept insisting that their own practices could accomplish wellness services, if only they were properly reimbursed.However, reimbursement for lifestyle counseling should not have to include the major overhead encountered by medical doctors, including their clinical offices, costly tuition loans, high-tech equipment, numerous staff and billing clerks.It’s been said that the US health care system is neither healthy nor much of a system. I believe it’s always darkest before the dawn of a new era, and these dark days of an ailing system must mean the light is about to break over the horizon.Bringing health coaches into the US health care system can address the colossal “elephant in the middle of the room”-that the burden of disease and related health costs can be dramatically lowered through healthy behavioral change. Learning to move more, eat well and less, and de-stress often, is not only a prescription for a better life, it’s an Rx for US health care reform.
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<title>Saving Health Care: What Should It Look Like?</title>
<link>http://ecgscms.info/30</link>
<comments>http://ecgscms.info/30#comments</comments>
<pubDate>Tue, 24 Jan 2023 19:09:50 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[I believe the year 2011 will be pivotal in the battle for an affordable and workable Health Care system that will serve the United States. If we will face the cold hard facts and develop a clear understanding of what a model system looks like, we can enjoy better individual health and economic prosperity beyond [...]]]></description>
<content:encoded><![CDATA[ I believe the year 2011 will be pivotal in the battle for an affordable and workable Health Care system that will serve the United States. If we will face the cold hard facts and develop a clear understanding of what a model system looks like, we can enjoy better individual health and economic prosperity beyond anyone’s belief system to comprehend. This first article of the New Year will lay out what a model system looks like and subsequent articles will give more details of how we can move toward a system that really works.With an ill-conceived “Obamacare” system taking effect this year, with no benefits for three years, the time has come to change my approach from “fixing” the system to “saving” the system. It is not my style to “scare” people into action, but the fact remains, if we do not stop this “Obamanation” in total, we are destined to become a third rate country with economic problems unlike anything our citizens have ever faced. Every single citizen needs to get involved now and stay involved for years to come because there will always be those who seek power to control our lives. Look around and see the symptoms. Already we have debt our grandchildren will be paying for, unemployment at never before seen levels and forecast to continue for years, freedoms neutralized or taken from us, and what do our leaders tell us? With obvious lies they tell us we are on the right track, and it will take years to make things better (better for who?). We need to take action NOW because the longer we allow these conditions to continue, the more devastating they will be and the longer it will take to fix them.So, let’s start with a clear understanding of what a workable system looks like. First, a free enterprise health care system that constantly adjusts to market conditions will best serve everyone. In other words, get politicians and government out of the business. Never in our history has any politician/government run program of any kind ever been successful, never!Step One to better health: Un-elect politicians who claim they will provide a health care program for you.Second, each individual needs to understand they have an individual responsibility to take better care of their health. Eating properly and exercising routinely will do more to improve one’s health and reduce future health problems than any “co-pay health plan”.Step Two to better health: Purchase only “catastrophic health care plans”. Everyone needs to realize that “co-pay plans” are not really what they seem. These plans are responsible for grossly increasing costs and are nothing more than financial plans to pre-pay for medical care one may or may not need as determined by an insurance company employee. It is my opinion that eliminating these plans would reduce costs by as much as 70% almost overnight.Third, take the profit for lawyers out of the industry. Lawyers do absolutely nothing to improve health care for anyone. Lawyers are nothing more than “vultures” hovering around hospitals looking for opportunities to sue someone.Step Three to better health: Individually we must learn how to vote and elect only politicians who will support the concept of taking all of the profit for lawyers out of the industry.Fourth, everyone must assume personal responsibility for their own health. Every individual has health concerns that are specific for them and individually should be responsible for learning to deal with them. To assume one can get healthy by going to a doctor, or a hospital, or by taking drugs (of any kind), or being covered by health insurance, is living in a fantasy world, it is not going to happen. Each of us owns something that will work to improve one’s health, and that is our own body. It was marvelously created to serve each of us and the better we take care of it, the better the results.Step Four to better health: Be responsible for your own health and learn as much as you can about the relationship of good health and your body.There you have it, a look at what health care should look like and some suggestions how to achieve good health. Subsequent articles will expand on thoughts I have that I think will be helpful to everyone. But, what questions do you have? I would love to hear from you with questions about health care. You can reach me on my website, www.TheHealthCareFix.com
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<title>Union Organizing in the Health Care Industry – New Unions and Alliances Among Rivals</title>
<link>http://ecgscms.info/28</link>
<comments>http://ecgscms.info/28#comments</comments>
<pubDate>Tue, 24 Jan 2023 19:08:19 +0000</pubDate>
<dc:creator>admin</dc:creator>
<category><![CDATA[Uncategorized]]></category>
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<description><![CDATA[Though our nation’s economy has recently lost millions of jobs, the health care industry has continued to add them. Not surprisingly, unions are eager to sign up health care workers. In the last 10 years, the rate of union wins in the health care industry has grown faster than the national average. Unions are uniting [...]]]></description>
<content:encoded><![CDATA[ Though our nation’s economy has recently lost millions of jobs, the health care industry has continued to add them. Not surprisingly, unions are eager to sign up health care workers. In the last 10 years, the rate of union wins in the health care industry has grown faster than the national average. Unions are uniting to lobby for labor-friendly legislation to promote increased union membership in the health care sector.In addition to traditional organizing, health care union organizers are using more radical corporate campaigns that target hospital donors, shareholders, community groups, and even patients. The unions push these target groups to put pressure on hospital owners to allow unions to organize their employees. Many critics have argued that some of these agreements with employers have greatly limited workers’ power and emphasized the union’s cooperation with management.The following article provides an overview of the major unions involved in the health care industry, as well as strategies to ensure your organization is prepared and remains successful.Service Employees International Union
The Service Employees International Union (SEIU) began in 1921 primarily as a janitor’s union and branched out to include government, security, and health care workers. By 2000, it was the largest, fastest-growing union in the United States, with much of that growth stemming from a series of strategic mergers with smaller unions. In June 2005, the SEIU and six other unions left the American Federation of Labor and Congress of Industrial Organizations (AFL-CIO) to form the Change to Win coalition. Citing the need for a renewed effort to organize workers, Change to Win purports to be focused on achieving fair wages, health care benefits, and secure retirement for all employees. The coalition also encourages workers to unionize on an industry-wide basis, consolidating smaller unions within larger unions.SEIU Healthcare
In 2007, the SEIU announced plans to launch a new health care union to serve approximately one million members, such as nurses and service workers at hospitals and nursing homes. SEIU Healthcare combined financial and personnel resources from the 38 local SEIU Healthcare unions. Of the SEIU’s 1.9 million members, 900,000 work in health care. In September 2008, the SEIU reported it would begin several high-profile projects to bring business leaders, health care providers, community organizations, and elected officials together to work on the nation’s health care system. SEIU leaders were part of a May meeting held by President Obama to discuss a health care overhaul. More recently, SEIU members attended town hall meetings to speak out in support of the proposed health care reform. In August, the SEIU was part of a group-largely funded by the pharmaceutical industry’s lobby-that launched $12 million in television advertisements to support Obama’s health care proposal. This group, the Americans for Stable Quality Care, could spend tens of millions more this fall.SEIU and NUHW
The SEIU attempted to consolidate three local units representing home health care workers into one unit last December, taking authority away from the local units. The SEIU accused the local unit officials of financial misconduct, and in response, the leaders of the local units criticized the SEIU’s practice of centralizing power at its Washington headquarters and making corrupt deals with employers. In January, a 150,000-member SEIU local unit in Oakland was put under trusteeship by the SEIU, and the local officials of that unit were dismissed. The ousted officials formed a new union, the National Union of Healthcare Workers (NUHW).The NUHW announced the first workers had cast votes in favor of representation by the new union in March. A majority of 350 union-represented workers at four nursing homes in northern California managed by North American Health Care wanted to end their labor relationship with SEIU and join the NUHW. The day after this announcement, the SEIU filed unfair labor practice charges against the four nursing homes, charging that administrators of the facilities had illegally withdrawn union recognition and colluded with a competing labor union. In that same month, a National Labor Relations Board regional director ruled against the NUHW, saying that the contract between the SEIU and the hospital chain prevented the effort by a new labor union to represent 14,000 Catholic Healthcare West workers. Despite the ruling, the founding convention to formally launch the NUHW took place in April 2009. According to the NUHW, approximately 91,000 California health care workers have signed petitions filed at the labor board, stating they would like be members of the new union.The NUHW also claims that, in response to these decertification drives, the SEIU has resorted to harassment and intimidation and tactics similar to union prevention. The SEIU argues that the new group has unfairly restrained and coerced workers, as well as complained to the National Labor Relations Board. A decisive battle between the two unions will come in 2010, when the SEIU-UHW contract with Kaiser Permanente expires and the opportunity for decertification elections reopens. Kaiser, the largest health care provider in California, has 50,000 workers that could potentially become members of NUHW.California Nurses Association/National Nurses Organizing Committee
The California Nurses Association (CNA) began as a state chapter of the American Nurses Association (ANA) in 1903. The ANA has a federated structure: Nurses do not typically join the organization directly, but instead join their respective state organization, which has membership in the ANA. After several years of believing the ANA was not providing them adequate financial support to increase collective bargaining activity in California, the CNA broke ties with the ANA in 1995 and formed its own union, becoming the first state organization to secede from the ANA. Since its break from the ANA, the CNA has acquired a reputation as one of the most aggressive labor unions in the country. In 2004, the CNA began establishing itself in other states under the name National Nurses Organizing Committee (NNOC). The CNA voted to seek affiliation in the AFL-CIO in 2007. CNA membership has doubled over the last seven years and represents 80,000 members from all 50 states.UAN-NNOC
In February, CNA/NNOC, United American Nurses (UAN), and the Massachusetts Nurses Association (MNA) announced the formation of another new union: the United American Nurses-National Nurses Organizing Committee (UAN-NNOC). With a combined membership of more than 150,000 affiliates in 19 states, it is the largest nursing union in the history of the United States.National Federation of Nurses 
The National Federation of Nurses (NFN) was officially launched in April at an event in Portland, Oregon. The NFN represents more than 70,000 nurses in six state nurses’ associations, including New York, New Jersey, Ohio, Montana, Oregon, and Washington. Based on a federated model (much like the ANA), the NFN recognizes the independence of each member organization. Membership is open to state nurses’ associations and other labor organizations that represent RNs. The NFN is tied to the ANA, which outlines standards for nursing practices, but has historically opposed nurse unionism and includes managers in its leadership. Since nurse union leaders expect many of the 15 unions with nurse memberships to flood hospitals with authorization cards if the Employee Free Choice Act (EFCA) passes, they want to establish their own national union to ensure nurses are organized by nurses.SEIU and CNA: From Violent Disputes to Cooperative Agreements
The SEIU signed a neutrality agreement in March 2008 with an Ohio Catholic hospital to organize 8,000 workers. The day before voting was scheduled to begin, members of the CNA distributed leaflets to discourage workers from joining the SEIU. After the workers received the leaflets attacking SEIU and its arrangement with management for an election, SEIU called off the vote. Then at an April 2008 conference in Detroit, SEIU staff and members protested at a banquet of CNA members, resulting in violence. The two unions have also launched raids and counter-raids across the country, and both have sent mailings to thousands of nurses (including nurses in other unions, as well as nurses whose unions are currently trying to organize) attacking each other.After more than a year of fighting, the SEIU and CNA signed a cooperation agreement in March. They will work together to bring union representation to all non-union RNs and other health care employees, as well as improve patient care standards. The unions have also agreed to refrain from raiding each other’s members and will work together toward common goals, including lobbying for congressional passage of the EFCA. SEIU and CNA will coordinate campaigns at the largest health care systems and launch an intensive national organizing campaign. Catholic hospital chains will likely be among the first targets.In June, the U.S. Conference of Catholic Bishops and the nation’s largest unions (including the SEIU and the AFL-CIO) signed an agreement describing how union organizing will be conducted at Catholic health care facilities. (The document is similar to the one Catholic Healthcare Partners and Community Mercy Health Partners created last year with the SEIU before the CNA protest canceled the vote.) This agreement is significant because Catholic health care providers represent the largest employers and providers of services in many communities. The agreement provides seven guidelines for management at Catholic health care facilities and unions, making it easier organize health care workers at these facilities.What This Means for Your Organization
Many experts agree that expanded unionization, along with the passage of the EFCA, will negatively impact our health care system. Both health care providers and industry analysts fear that unionization could mean higher costs and more restrictive work rules, adding to the soaring cost of delivering health care. Hospital and health care facilities need to be aware of these issues and how they can educate their supervisors and workers about the threat of unionization.Communication with your employees is a critical first step. Many issues are involved in the possible unionization of a health care facility (economic factors, working conditions, quality of patient care, employee satisfaction, etc.). To prepare for possible union activity, identify issues that are relevant to your facility and address those needs publicly. Train leadership and include information about your union-free policy in the employee hiring and orientation procedures. Assess your wage and benefit structure, and be sure to promote what you offer.You can use brochures, meetings, video, webinars, e-mail, Web sites, or eLearning tools to reach your employees. The most effective efforts include an employee feedback system that encourages two-way communication.
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