Sticking to a frugal policy pays off for businesses ? Business ...

?If only I had a bigger budget (for my department or my company), all my problems would disappear.?

You?ve likely had a similar thought at some point. But is it true?

Great companies, and leaders, excel at finding a frugal path when solving problems. They resist the urge to throw more money at challenges and instead do more with less.

For example, IKEA?s leadership is determined to avoid spending unless they have to. The concept, called ?lista,? comes from the Swedish word for ?cunning.?

You could see lista in action when IKEA launched its ?nine in eight? effort, in which nine stores in North America were designed, engineered and fully operational in just eight months. In the history of IKEA, it had never been done.

Sticking to its frugal philosophy, the company only used in-house resources?no extra consultants or project managers. A staff that had historically opened one store every few years added 3 million square feet of new stores.

Some leaders make frugality a cornerstone of their business. Herb and Marion Sandler, founders of World Savings, sparked innovation within their business by constantly asking, ?What?s the good business reason for spending this money??

Partially as a result of that question, the business ran with half the ?employees of the competition, with each staffer generating 40% more revenue than the industry average.

What?s your story of meeting a huge challenge with meager resources?

? Adapted from The Reinventors: How Extraordinary Companies Pursue Radical Continuous Change, Jason Jennings.

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Should You Adopt if You're Afraid | Creating a Family

?Hello Dawn, Thank you for being such a great source of information on the adoption process. My husband and I are considering adopting an older sibling pair through foster care. We both feel a strong pull towards children, but neither of us feel a drive to have bio children. While I feel drawn to adoption and excited about creating our family, I?m also worried. For every blog written by challenged-but-happy adoptive parents, there?s another story detailing a family?s heartbreak. So here?s my question: If I?m terrified by the idea that my adoptive children could end up in a treatment facility (despite all best efforts), should I stop considering older child adoption? I know this is a tough question, and I appreciate your thoughts. Also, please let me know of any resources you would recommend that deal with this subject.?

Fear is such a paradox: It can keep you alive, but also keep you from living. Take my fear of heights. I?m sure it has probably protected me by keeping me well away from bungee jumping, skydiving, and skyscraper window washing, but it has also kept me away from Angels Landing in Zion National Park, rated one of the top 10 hikes in the US. I first fell in love with Zion when Peter and I traveled/camped through the US for 6 months PK (pre-kids). Angels Landing is ?one of the most famous and thrilling hikes in the US national park system?, and is undisputedly Zion?s pride and joy. The park system description, however, is enough to make me run the other way.

The Angels Landing trail runs along a narrow rock fin with dizzying drop-offs on both sides. The trail culminates at a lofty perch, boasting magnificent views in every direction. Rarely is such an intimidating path so frequented by hikers. One would think that this narrow ridge with deep chasms on each of its flanks would allure only the most intrepid of hikers. ? The last half-mile is across a narrow sandstone ridge above a 1500 foot cliff to the valley floor, with ?anchored support chains attached along some sections of the sheer fin.

I really want to be the type of person who hikes a ?thrilling?, ?dizzying?, and ?intimidating? trail. Instead, I?m a person who quakes at the very thought of standing on a narrow ridge with a 1500 foot drop within inches of my foot regardless of the presence of chains. Deciding to become the person I want to be rather than the person I am, I headed off on that first visit to conquer my fears. I never even got to the narrow ridge with chains part of the trail. I was stymied at the very beginning by having to cross a narrow[ish] (probably 4 foot wide) rock bridge. In my terror at the narrow ridge with chains, I totally overlooked the description of this part of the trail: ?The tail begins with a half-mile hike along a narrow sandstone isthmus with sheer cliffs on both sides. The narrow and arduous trail drops 1200? on one side and 800? on the other.? I literally could not make myself cross that bridge. Not that time, nor on my other three trips to Zion over the years.

Several years ago, Peter surprised me with a birthday trip to Zion. It was in October, which is peak season and the place was packed. It seemed that everyone was hiking Angels Landing?and not just the young mountain climbing type of folks either. The first day I got to the rock bridge (and don?t forget about the sheer drops on either side) and again, just couldn?t make myself do it. That afternoon, I talked with a park ranger and asked for help putting the danger into perspective. He told me that hundreds of people hiked that trail every day without incident.? That evening I did some soul searching trying to weigh my fear with my wanting to hike that trail to the beautiful vistas at the end, and probably more important, with my desire to be the type of person who lives life to the fullest.

The next day when I got to the rock bridge, I screwed up every bit of courage I had, sat down on my butt, and slowly inched my way across, not looking down and praying like crazy. There was a line of people on either side of the half mile bridge staring and waiting for me to scooch across. It was more than a little embarrassing, but it was the only way I could do it.

After the rock bridge I made my way to the narrow ridge with chains. Since my butt was bigger than most parts of the ridge, scooching along was out of the question. Besides, my death grip on the chains precluded anything but walking. At one point a man, no doubt trying to be helpful, pointed out that by holding onto the chains so tight I was throwing my balance off. He suggested that I could go faster and be safer if I ?just walked more natural?. It was only my knowledge that I was likely going to die on that hike and meet my Maker at the pearly gates that very day that kept me from telling him exactly where and how he could shove his suggestion. The views at the top,

Me sitting at the top. No way could I stand!

when I finally made it, were spectacular?almost worth the hike.

?

That?s the way it is with fear, and it?s darn hard to tell when it changes from wise protection to limiting interference. Almost everyone is afraid before they adopt. I was afraid. Bringing a child into your family is life altering and worthy of caution. It really doesn?t matter how that child joins your family, but because adoption is less common than giving birth and because there are more unknowns, it feels scarier. And let?s face it, adopting an older child from foster care has even more unknowns.

Children land in foster care almost always because of abuse and neglect. They carry the scars. Sometimes these scars are massive, and often they are something that they learn to live with. Any child can end up in a treatment facility, but kids from hard places are probably more likely to need the help of these type of facilities more than kids who have been spared the abuse and neglect that are inherent with entering foster care. But while the odds may be greater, they still aren?t that high.

When trying to decide whether to listen or disregard fear, whether it?s hiking Angels Landing or adopting, I use a two-step process. First, I get educated (talk with the Park Ranger/fellow hikers or read everything I can find on adoption, join support groups, and talk with other adoptive parents). Second, I listen to my gut: are the possible rewards worth the possible risk.

We can help with the first step?education. I?m glad you?ve joined the Creating a Family Facebook Support group. You?ll find many other members who have adopted older kids from foster care. Creating a Family also has lots and lots of educational resources on foster care adoption, attachment, risks of adoption, and adopting the hurt child. After you have immersed yourself in all things adoption for a while, check in with your gut. Are you feeling more confident or more fearful? An educated gut is a good barometer (to mix my metaphors) of what is best for you.

?

Source: http://www.creatingafamily.org/blog/adoption-domestic-adoption-international-adoption-embryo-adoption-foster-care-adoption/adopt-youre-afraid/

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Various applications of body piercings

by levi amari
Send Feedback to levi amari
Request Reprint | Print | About Author | Report Problem | Tweet This Body piercing is said to be one of the latest trends which is followed nowadays among young people. For them, it symbolizes modernization and attraction. But body modification had been in existence right from the ancient period of civilization. In 500 BC piercings came into existence by Egyptians to show their pride and novelty. Piercings were said to be the symbol of respect and royalty of Egyptian rulers and commanders. Only they are allowed to wear those gold jewels whereas other slaves and common people were restricted to wear those jewels since it was considered to be the ruler's identification. From Egypt it was spread to other nations like Rome, Africa and so on. But each nation had used it for different reasons and specifications. In Rome wearing pierced body jewels were used among soldiers in battlefield. They used to wear it in their chest to show others that they are brave and strong. Even Caesar had used to do the same kind of wearing in order to combine his battle men. Americans used tongue piercing since the blood comes from it makes them go closer to god. Likewise these practices had been used for several reasons right from the ancient period.

Piercing is nothing but creating a body opening by cutting a part from which gold jewel can be worn into it. As generations passes, penetrating part got stretched or extended in which jewels of big size can be worn into it. These types of activities have been practiced for various reasons nowadays. Many used to wear pierced jewels to show the latest trend to other people. It's been used among various celebrities and sportsmen for fashion reasons. Some of them use it to display their character identity to others whereas some people use it for their traditional and spiritual purposes. However it also creates negative impact on people wearing this jewel which depends on type of piercing. Piercing at unusual parts make people think strange and thus creating negative thoughts.

The most common type of piercing is to get pierced in ears in which it is allowed as a usual code in schools, colleges and even in offices. Wearing jewels in various parts of ear like ear lobes, thick fleshy part are more common in showing tradition.Nowadays dresses have been stitched to show that specific part. This is considered as one of the latest trending activities which takes place right now.

There are some specific piercing types which displays cute self-expressions. Wearing gold jewels in lip, eyebrows and nose are most attractive type of penetrating. These are all the elegant way of showing the trends to people, which will be always accepted as the common practice. Hope the above said facts clearly describes about various piercings and guidelines.

Looking to know more about piercings? http://clubtattoo.com/ is considered to be one of the leading specialists in applying tattoos and body piercings. To know more about the services they offer kindly visit the website at http://clubtattoo.com/locations/

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Ryan's Medicare plan would be tricky to pull off

Republican vice presidential candidate Rep. Paul Ryan R-Wis., reacts to audience applause during a campaign event at the Waukesha county expo center, Sunday, Aug. 12, 2012 in Waukesha, Wis. (AP Photo/Mary Altaffer)

Republican vice presidential candidate Rep. Paul Ryan R-Wis., reacts to audience applause during a campaign event at the Waukesha county expo center, Sunday, Aug. 12, 2012 in Waukesha, Wis. (AP Photo/Mary Altaffer)

WASHINGTON (AP) ? The idea behind Paul Ryan's Medicare plan is to slow growing costs and keep the program more affordable for the long haul.

But it's all in the details. The Republican-backed shift to private insurance plans could saddle future retirees with thousands of dollars a year in additional bills.

That would leave the children of the baby boom generation with far less protection from medical expenses than their parents and grandparents have had in retirement.

And there's another angle consumers need to look at: Medicaid.

The GOP vice presidential candidate has also proposed to sharply rein in that program and turn it over to the states. Usually thought of as part of the safety net for low-income people, Medicaid covers nursing home care for disabled elders from middle-class families as well.

Medicare and Medicaid cover about 100 million people between them, touching nearly every American family in some way.

Pulling no punches, President Barack Obama's campaign launched a new online video Monday attacking what it called the "Romney-Ryan" Medicare plan. It features anxious seniors and closes by accusing the Republicans of "ending Medicare as we know it" to pay for tax cuts for the wealthy.

Mindful of the risks, Romney is trying to put some distance between his agenda and the specifics of Ryan's budget proposals.

In an interview Sunday on CBS' "60 Minutes," Romney and Ryan both offered words meant to reassure the elderly.

America is about more choices, Romney said, and "that's how we make Medicare work down the road." He said the program won't change for seniors currently counting on it. Ryan pitched in that his mother is a "Medicare senior in Florida."

During the Republican primary, Romney had called Ryan's budget a "bold and exciting effort" that was "very much needed" but held back from a full embrace.

In more general terms, Romney has spoken of providing "generous" but undetermined subsidies to help future retirees buy private insurance, or let them have the option of traditional Medicare. He's also endorsed a gradually increasing age to qualify for benefits.

Ryan, a conservative Wisconsin congressman and chairman of the House Budget Committee, calls his Medicare plan "premium support." Future retirees would get a fixed amount to use for health insurance. Democrats call it a voucher plan.

In theory, Ryan's plan could work, economists say. Instead of Medicare just paying all the medical bills that come in, the fixed government payment would limit how much taxpayer money flows into the program. That would force everyone, from individual retirees to the biggest hospitals, to watch costs.

Ryan has issued two versions of his plan with Democrats, showing it has some bipartisan appeal. But the versions passed by the House have had a hard partisan edge.

The devil's in the details. And there are lots of them that have yet to be ironed out.

"From the standpoint of public understanding, the Romney-Ryan ticket has a hill to climb," said health economist Joe Antos of the business-oriented American Enterprise Institute. "I think they can do it, but it's going to require some explaining. I think there are a lot of independents who are going to be nervous."

The political sensitivities are clear. Polls find that Americans lean heavily on Medicare to help keep them secure after retirement and are suspicious of proposed alternatives, such as Ryan's. Surveys also give Democrats an edge over Republicans when people are asked which party people most trust to handle Medicare. Democrats held a 48 percent-39 percent advantage on that issue in a June 2011 AP-GfK poll.

"This puts Medicare in play as a central issue in the campaign," said John Rother, president of the National Coalition on Health Care, a nonpartisan group representing a broad swath of players in the health care system.

For the most part, Ryan's plan would not directly affect people now in Medicare. One exception: In repealing Obama's health care law, Ryan would re-open the Medicare prescription coverage gap called the doughnut hole.

Under his plan, people now 54 and younger would go into a very different sort of Medicare. Upon becoming eligible, they would receive a government payment that they could use to pick a private insurance plan or a government-run program like traditional Medicare. The payment would be indexed to account for inflation, and that could be a problem if health care costs race ahead of the inflation rate.

The private plans would be regulated by the government, and low-income people, as well as those with severe health problems, would get additional assistance. People who pick plans with relatively generous benefits would pay more out of their own pockets.

Ryan would also gradually raise the Medicare eligibility age from the current 65 to 67.

Backers say the result of his Medicare plan would be a more affordable and sustainable program, both for taxpayers and beneficiaries. Currently, Medicare's giant trust fund for inpatient care is projected to run out of money in 2024.

But critics see a massive cost shift to beneficiaries.

"The only way to drive real savings is to set a lid on the growth in the voucher," said Democratic economist Judy Feder. "That most likely means shifting costs to beneficiaries, not controlling costs."

In an analysis earlier this year, the nonpartisan Congressional Budget Office said some of the effects of Ryan's plan "would of necessity be a great deal stronger" than current law, which includes Medicare cuts in Obama's health care law yet to take place.

Under the most likely current budget scenario, Medicare spending for the typical 66-year-old would rise to $9,600 in 2030, or about 75 percent more than now, the CBO projected.

But under Ryan's plan, spending would rise more slowly to $7,400, or about 35 percent more than current levels.

That difference would result in a cost shift of thousands of dollars to individual retirees, critics say.

Under the previous version of Ryan's plan, a typical 65-year-old retiree would have been responsible for about two-thirds of his or her health care costs in 2030, according to the budget office. That translates to a cost increase of $6,350 a year, says the Obama campaign.

Ryan's proposal for turning Medicaid into a block grant program for the states would also have far-reaching consequences. It sharply reduces the future size of the program relative to the overall economy, the CBO said.

Even if states can run Medicaid more efficiently, they'd still face the difficult choice between cutting the program or pouring more of their own money into it, the budget office said.

Associated Press

Source: http://hosted2.ap.org/APDEFAULT/386c25518f464186bf7a2ac026580ce7/Article_2012-08-13-US-Paul-Ryan-Medicare/id-3ce053ffa1864e50aa2e474371ab79d6

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U.S. Travel Applauds Airlines for Improved Performance | Timeshare ...

Posted by admin on August 13th, 2012

U.S. Travel Applauds Airlines for Improved Performance

Source: Owners Perspective Magazine

Statement by Roger Dow, president and CEO of the U.S. Travel Association, on today?s announcement by the Department of Transportation that airline industry performance has improved:

?Improved on-time performance for airlines is good news for business and leisure travelers, and we applaud the airlines for this accomplishment. But it?s just one step towards improving the overall air travel experience for the two million passengers who fly daily.

?With U.S. air travel volume forecasted to double in the next 20 years, we must continue to create a more efficient and secure screening process to ensure our current system is not overwhelmed. We can improve security and decrease the hassle factor of air travel by expanding enrollment in the Transportation Security Administration?s (TSA?s) PreCheck program, currently available at 19 airports and operational with five airlines.

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Source: http://www.timeshare-info.co.uk/index.php/2012/08/u-s-travel-applauds-airlines-for-improved-performance/

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Healthy food and juice to eat and drink when your on a diet ...

No juice. Juice is high in sugar and calories. You are much better off drinking 0 calorie drinks while on a diet such as water, tea, cofffee etc.
Juice just sucks up part of the calories you can consume during the day which makes a diet even harder to stick to.

As far as healthy foods, I don?t have the time nor the desire to sit here and list the tens of thousands of foods that are healthy. You can look that up yourself.

-Connor

Source: http://justjuices.com/healthy-food-and-juice-to-eat-and-drink-when-your-on-a-diet/

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Sales Pro: Graduate Sale Executive / Graduate Trainee

Job ID: 77145

Job Views: 18

Location: Not Specified,

Job Category: Retail & Consumer Products

Employment Type:

Salary:

Posted: Sun Aug 12

Keywords (tags):

Job Description

Location: London

Job Title: Graduate Sale Executive / Graduate Trainee

Salary:

• ?20,000 Basic salary Plus Bonus
• Company Car
• Mobile
• Pension
• 25 days holiday

Sector: Soft Drinks

The Company: This rapidly expanding business has a growing reputation in the soft drinks marketplace.

The Role: After a thorough sales training and development programme you will work in a field sales capacity managing customers in the grocery and convenience sectors. Developing new and existing business you will need to be able to build strong relationships at all levels. Our client is looking for a target focussed and diligent business graduate who has the right characteristics to succeed in field sales.

Responsibilities will include:

• Developing accounts
• Qualifying new business
• Structured career path
• Blue Chip training

For this Graduate Sales Executive position, we are looking for individuals who meet the following criteria:

• Educated to degree level
• Excellent verbal and communication skills
• Ambitious, driven and target orientated
• Strong work ethic
• Excellent personal presentation
• Ability to build rapport

About BMS Graduate Recruitment LLP: We focus on helping future sales professionals to find graduate jobs and specifically graduates sales jobs. We specialise in graduate assessment, placement and sales training . Established in 1990, we've developed a strong brand, synonymous with graduate sales recruitment and sales training. We work with a prestigious client base of global companies and provide them with a range of services to ensure they attract, retain and develop the best graduate talent in the UK. Please visit our website at or call Claire Lynch (Graduate Manager) on to discuss your job search.

Contact Details

Source: http://www.salesprorecruitment.co.uk/display-job/77145/Graduate-Sale-Executive---Graduate-Trainee.html

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