Family Life – Today’s Extended Family – Two Or Three Generations Sharing One Home

As if the worst recession since World War II, near collapse of the financial system, double-digit unemployment & rising health care costs weren’t enough to deal with. Today’s modern family needs help.

Extended family living is the answer. Pull together, pool your resources with the ones you love and you will survive. Whether by necessity or choice… “before it becomes necessary”. Today’s families are looking back into their family history for crisis management answers.

After world war ii, with our economy in shambles, families struggled to rebound, instinctively they counted on one another, some family members, older and wiser, some young and strong. Life savings “nest eggs” usually provided by the elder members of the family secured immediate financial relief. In turn the younger members of the extended family worked on building a solid future, they sought out and worked jobs, sometimes two or three minimal pay jobs, anything to contribute to the family’s financial future. Everyone worked together, the work ethic was amazing, even children contributed to the family security. Household chores were done mostly by the kids, while the grand parents kept a watchful eye on the kids’ well being.

So the strong, young parents could focus on improving the job and wage possibilities. It took a while, but it did happen: families recovered, even thrived, and the family bond became even stronger.

If your family finds itself needing to expand, you must set clear and respectful boundaries and guidelines. Consider everyone’s need for private space and if possible develop affordable additional living space within your home.

Consider finishing the homes basement. You can virtually double your much need living space and basement finishing is the least expensive approach when adding true living space to your home!

It’s true…you can finish your basement for roughly 1/3 of the cost of, building an addition to your home! Your only other option to add living space to your home.

Productivity Measurements and Telecommuting

Over the years, the improved channels of telecommunication have paved the way for an increase in number of Telecommuting jobs. Telecommuting occupations are not your typical office work and that is why, it has become a focus of productivity measures issues. There are a lot of myths that surround telecommuting and Productivity Measurements. Some say that measuring productivity is much more difficult in telecommuting than in regular office work.

Before going forward, let us first individually define what Productivity and what Telecommuting is. Productivity (in Economics) refers to the amount of output produced in a specific amount of time. In a factory or office setting, this can easily be computed by dividing the number of units of output with the time spent to produce them. For example, an office worker is given the task to compile kits for the participants of a lecture. He was able to compile 25 kits in 1 hour, and that becomes his productivity rate.

Quantitative data is more easily translated into productivity rates rather than qualitative data. On the other hand Telecommuting (other known as working from home) is form of work where the employee works on his or her own schedule. It is called telecommuting because the time and process of commuting to and from the work place are replaced by links of telecommunication. A few of the most popular telecommuting tasks is Medical Transcription and Insurance Underwriting.

The issue that lies between Productivity measurement and Telecommuting are claims saying that Productivity measurement is harder to achieve than with regular office work. This is claimed to be the major downfall of telecommuting. Because of this, employer supposedly has no hold on the productivity of their personnel who work form home.

However, that is really not the case. Productivity Measurements are still easily achievable with Telecommuting Jobs. The rate telecommuting employee works, is the same with every project that he / she receives. A Medical Transcriptionist may complete transcription of 5 files in an hour. No matter how many hours a day a medical transcriptionist chooses to work, his or her hourly rate is still the same.

Another myth about productivity measurement and telecommuting is that an employee has no hold on how much an employee works on a set number of days. This is opposed by the fact that employers enforce deadlines that a Telecommuting employee must adhere to. In example, an Underwriter is given 10 insurance policies to process in a span of 4 days. It is of no consequence to the employer how his or her Underwriter divides the task over 4 days as long as it is completed within the set number of days.

Telecommuting is a practice that will unduly continue to grow. Since early fears that it may not be a as easy to regulate and measure as regular office work, it has been proven that it is not so. That is the reason why employers should not shy away from hiring telecommuting personnel because they can still measure and regulate their productivity rate since not having set office hours.

How to Insure Cargo

Cargo insurance is one the most effective methods to decrease transportation risks. However many companies in order to save their money refuse to insure their cargo, and hope that “things will come right “. The experience shows that such saving is risky, because in case if cargo is damaged or lost material losses may be severe.

Miracle movers, Toronto movers advise you to approach seriously cargo transportation. Since company’s financial director is interested in minimization of possible financial losses, he should imagine clearly against what types of risks the transported cargo is insured and which are factors that must be taken into account.

Today miracle movers, Corporate moves will share with you their experience regarding cargo insurance.

What should we take into account in case of cargo insurance?

Company may decide to conclude an insurance agreement at any time before cargo transportation. The conditions of insurance depend on cargo type, route and so on. The main document which stipulates these conditions is the agreement with insurance company.

Types of agreements

Each insurance company works on the basis of license granted by the official body and special document – rules of insurance, which are drawn up by each company. The rules describe types of insurance agreements, which may be concluded by the company, list of insured risks according to each type of the agreements, as well as mode of payment of losses to the insured party. Most of the companies have similar documents, because they are based on the Institute Cargo Clauses elaborated by the Institute of London Insurers. In case of cargo transportation to the other countries, in order to avoid problems with foreign partners the ICC terms are used. Miracle movers, Professional office movers, among others, transport cargos besides the Canada borders. That is why they work only with the most reliable insurance companies.

Types of insurance agreements differ by insured risks:

- “all risks”: insurer bears responsibility for losses caused by cargo damage or full or partial cargo loss, which took place by any cause, except causes stipulated in rules of the insurance company;

- ” with particular average”: the insurance company bears responsibility and undertakes to cover losses caused by cargo damage or full or partial cargo loss, which took place as a result of natural hazard or vehicles crash, as well as in consequence of ship in missing. Some companies, including miracle movers, Toronto movers include in such agreement risk of full or entire cargo theft.

- “free of particular average “: the insurer undertakes the responsibility for losses as a result of full or partial cargo loss caused by natural hazard or vehicles crash, as well as for losses in consequence of ship in missing.

Beside the aforesaid main agreements types insurance companies may conclude agreements of insurance of the allied risks, for example damages, which may appear when during cargo transportation goods cost increases or they are not delivered at all due to the political or other events. However the insurance premium in case of such agreements is rather high. But in case when clients of miracle movers, Corporate moves wish to bear such expenses, company concludes such agreements in their name.

Important clauses

Miracle movers, Professional office movers have experienced lawyers who have a serious approach to the insurance of the client’s cargo. Each insurance agreement, as well as the insurance company rules, contains a list of exception cases when the insurer is not liable. As a rule, to the exception cases refer risks related to:

- acts of war and their consequences;

- bad faith or gross negligence of the insured party or his representative A (violation of transportation conditions stipulated in the agreement).

The insurer also will not pay cargo shortage in case when the package has no visible damages (for example, loss of goods from container with unbroken seals).

In our next article we’ll discuss such crucial points in insurance as term of validity of the insurance agreements, factors which influence the underwriting rate, and how to obtain the insurance.

What is Political Science?

"Political science" is generally defined as the study of Governments, political processes and political behavior. It is a branch of the social sciences where study mainly revolves around analyzing, describing and anticipating political behavior along with political systems. In fact, the best way to describe it is as a science that revolves more around subjective elucidations than hard data. It is a science that helps a person in understanding the relationships between other individuals, groups and the state, along with the working procedure of modern government.

Political science as a discipline is relatively new and in recent years gained enough recognition among young students of the United States. It is mainly includes various sub-fields like philosophy and theory of political system, political economy, policy studies, international relations, and a collection of other related fields. The major aim of political science is to help a student make a career in politics and give them a proper knowledge of the political procedure that might be helpful.

Students who make a career in this branch of social science are generally called political scientists and can lead to exciting careers in federal, state and local governments; law; business; international organizations and electoral politics.

Their job responsibilities primarily revolve around analyzing different areas of political behavior, including public administration, public opinion, taxation andoting. Apart from this, they generally carry out research on different public issues and political relations and resources. These research procedure can be both within a single country or internationally. However, the research and analysis process frequently includes judicial rulings, public opinion and decision-making. Adding to this, they also recommend solutions and at times perform research to make better decisions on matters that generally affect citizens, business and environment.

Employment Outlook

The job outlook of this domain actually seems to be very inspiring. In fact, as per the latest study conducted by the Bureau of Labor Statistic of the United States it is anticipated that in the next few years the jobs for political scientists will increase further. As per few experts, the overall employment is also planned to grow about as fast as the average for all occupations.

Salary Outlook and Other Benefits

Average awareness of political scientists completely depends on their education, experience and geographical position of the organization. The starting salary range for a political scientist average near about $ 27,000. Neverheless, with experience and higher educational success, the income may further increase to $ 65,000 or more. Adding to this, any graduate with a bachelor's degree in political science can enjoy a decent earning and may earn almost $ 2,500 more per annual than the average person having just a Bachelor's degree. Beside this, bachelor's degree holders can also move into force force as paralegals or administrative assistants. Moreover, political scientists employed by colleges and universities even get enough opportunities to add to their income by teaching summer school courses, writing books or doing consulting work. They may even enjoy several benefits, such as health insurance & retirement plans, paid holidays & vacations etc. depending upon their positions.

Required Educational Qualification

So, by now if you are looking forward making a career in political science or want to grow as a political scientist you need to have an advanced doctor degree in political science. If you earn a Ph.D. in political science, you may work as professors in colleges and universities. More of these these positions often lead to important service in schools, communities and the nation. Other than these, there are bachelor's and master's level programs in political science as well. While the graduate degrees in political science are respected by all employment sectors, the master's are highly appreciated by private and public agencies and a growing number of numerous non-profit associations.

Today it is definitely one of the few career options that may provide you the long-term job growth and meaningful rewards.