Transformational leadership is changing organizational life. 21st Century leaders are working with SQ-spiritual intelligence and specific power types in leadership purpose to create and evolve generative outcomes in the new millennium.

21st Century Leaders are intended to be recognized by a greater design of Universal Intelligence reflecting itself through our unique leadership purpose signature, significance, and positioning, for a new millennium. And to be most useful to evolution when we are in the right place at the right time Thus, so forever change our natural environments.

More specifically, positioning leadership transformative authority for the new millennium happens by SQ-spiritual intelligence, rather than by strategic navigation. Positioning refers to "reciprocal" not "hierarchical" ordering, as the "architect or design" of what happens next in leadership modeling. When we penetrate and occupy any environment, territory, or region with the clarified impartation of our spiritual radiance-one's leadership purpose signature-upon a given atmosphere, we are acting as the architects of the new millennium. We are qualified to advance in this because of the benefit of all previous learning that has equipped us to operate differently.

Here are 4 examples by groupings and frameworks of the types of power dynamics that concern SQ-spiritual intelligence for the 21st Century offering proof of new millennium aptitudes. These serve as drivers in building a "Conscious Workforce America" and evolving company purpose in alignment with the greater needs of society.

1. Breakthrough to Power: Activation-revelation and access to soul identity and compelling greatness and leadership purpose messaging. How our blueprint insignia impacts us as we recognize our true purpose-self-identification.

2. Relationship to Power: Rectifying belief origins-systems and reclaiming power influence as inspired right action and demonstrating obedience to the spiritual calling over our lives. What it means to embody and carry authentic power pf spiritual anointing as well as utilizing revelatory power. And how we stay personally accountable to new paradigm core competencies and the healthy mindset of right intention in business enterprise.

3. Transformative Power in Business Enterprise: Translating power impact of one's autonomous purpose and the congruent state of alignment with others. How are leaders setting precedence by intuitive, revelatory, and transformative processes in organizational life and the demonstration of global organizational spiritual values as living organic human spiritual consciousness moving through the company as the object acting in the world? Are leaders building conscious workforce by utilizing visionary synergistic power sharing to evolve company purpose and how are they engaging evolutionary dynamics in organizational development.

4. Generative Power: SQ as transformative authority given root in the organization shaping the marketplace (core values as living intelligence engagement). SQ in leadership purpose transforms nations and peoples through substantive authority-wealth transference and proper allocation of resource. Legacy release creates new SQ-groves and plumb lines of social-cultural transformation in the earth. There is a cause-effect relationship between the leader's actualization to the divine and our bringing others into divine encounter simultaneously.

The types of power and spiritual intelligence demonstrated in leadership purpose today is far different than for any previous leadership dispensation because leaders have never been in a transformational era operating at a higher-level of conductivity. However, without a sound structure for spiritual maturation procession in leadership learning, leaders will not stay obedient to wisdom revelation, redefined relational relevance, or the specific authority, for which we are created. There would be no collective agreement to further evolve leadership vision for the 21st Century.

Article Source: http://EzineArticles.com/8720099

If you have a car, then you should make your vehicle protected or insured with car insurance policy. With the best auto insurance, you can protect your car from any inconvenience such as theft, accident or any other damage done by you or others. When it comes to having a perfect policy to financially secure a vehicle, you should know whether the policy you are going to take is beneficial to you or not so that you don't find the policy useless or pinching to you. That is why you should be careful of what kind of car insurance you are going to take. In Australia, there are a lots of auto insurance schemes from big or small-sized insurance companies but all of them can't overcome your expectations. Going through different car plans, you can make a real difference in selecting insurance of your choice.

All vehicle insurance policies are not same because their coverage areas are different. There are 7 types of vehicle policies available in the market that you can take according to your own needs. These include:

Liability
Collision
Comprehensive
Uninsured motorist protection
Medical/personal injury protection
No-fault
Gap

Among all these types of insurance, comprehensive car insurance is unique and gives people more advantages. Maximum polices cover only vehicle accidents and avoid covering damage to vehicles done by weather, theft or animal collision. That is why comprehensive insurance outshine other sorts of vehicle insurance policies because it covers all situations. Initially, this policy can be pricey but it is more beneficial as it covers more areas than other policies. There are liability auto insurances that render cover for accidental bodily injury as well as property damage to others, for damages caused by collisions with other vehicles, for loss or damage to the insured vehicle and for car damage or loss due to fire, hail, vandalism, or theft. Hence, comprehensive insurance give maximum benefits to insurance holder. With a comprehensive car insurance quote, you come to know which insurance policy gives you maximum benefits, coverage and saves more on your investment.

With the advice of insurance agents, many people blindly take any policy to insure their vehicles and find the policy less effective when it comes to availing its real benefits. It will be good for people if they can take support of comprehensive car insurance quote and compare the premium of many comprehensive insurance plans offered by established insurance companies so that you get the best policy conveniently.

Article Source: http://EzineArticles.com/8018199

A brief look at medical care and income levels as you grow older, and what private medical insurance can add to the equation. Older people require greater medical care but without adequate insurance, the benefits of private health care is out of their reach.

One of the many benefits of modern medicine is a higher life expectancy which in turn has contributed to an ever-growing population over the age of 60 years. Most people who were born in the early 1900s did not survive beyond 60. Today reaching 70, 80 or even 90 years of age is not considered to a be a great feat.

The Money and Age Link

Unfortunately a longer lifespan also means continuing medical care and associated bills. Chronic diseases most often arise after 50 years of age and tend to persist lifelong. This in turn means that better medical insurance is essential in order to cover your rising health care costs as you grow older. Depending solely on public health care will not guarantee that your needs as a senior will be met.

It is now known that higher income levels are linked to a longevity. As the Preston curve (1) suggests, people living in wealthier countries tend to live longer than those in poorer countries. However, it is not just the first world government amenities that make the difference. A higher income level also translates into the ability to afford better private medical insurance.

Private Cover When You Need It Most

Love it or hate it, medical insurance plays a role in your quality of life and even life expectancy. The strained public health system, even in the most developed of nations, has to balance the needs of the population at large with the available resources. Without medical insurance, the elderly can expect to be sidelined on many occasions or until the need for care becomes a life or death issue.

We all have heard of the horror stories of medical insurance not paying out when it is most needed. In fact many of us may still look at medical insurers with distrust. However, it is a matter of basic economics - if insurers were not able to meet the needs of the majority of its customers then they would not be in business. Unfortunately complainants tend to omit the facts about why claims were rejected, pinning the blame squarely on the insurer.

No matter where you live in the world, the fact of the matter is that private health care is expensive for the average citizen. It is not entirely unaffordable for young and middle-aged adults but then it is not usually needed on a daily, weekly or even monthly basis. Factor in advancing age and the constant need for medical care and private healthcare becomes completely unaffordable without the aid of medical insurance.

Seniors should look at their retirement budgets with medical insurance among the top of their financial priorities. Even bare basic cover can make the difference in quality of healthcare that you can access. It may mean giving up that dream cruise around the globe or a few other luxuries that you had your eye on for your golden years.

Article Source: http://EzineArticles.com/8696754

Life insurance can be costly. This article provides four handy ways to reduce the cost of life insurance and get you more for your money.

In a time of tight purse-strings, each and every one of us is looking to lower our monthly outgoings. Life insurance should be no exception: the value of being covered by a policy should be more evident now than ever, but that doesn't mean you should be sacrificing quality when cutting costs.

These four forward-thinking ways will help send you on the path to getting affordable life insurance, leaving more money in your pocket.

Tip #1: Go commission free

Commission is how insurance companies cash in on your policy, and this often hidden cost essentially inflates the price of a product. Why not burst their bubble and start getting more for less? Buying through a broker offering commission free life insurance is an easy way to save over the long term. While you're normally asked to pay a small, initial fee, this will be a one-off, and will work out cheaper compared to a commission-based premium. This way, you'll have the satisfaction of knowing that your money is getting you the best quality cover available.

Tip #2: Be a cynical shopper

While a new cuddly toy may be just the thing you're looking for, free fountain pens and reduced gym memberships are superficial rewards designed to catch your eye.

Although you'll enjoy these perks initially, chances are you'll be paying for these in the long run in some way or another, usually in the form of higher premiums. I'm certainly not telling you to say no to a free lunch, but don't be drawn in by these offers unwittingly. Be insurance-deal detectives and do your research: some companies may be offering the same cover for a cheaper price in the long run, although minus the meerkat.

Tip #3: Set the right term

Mapping out your long term financial plans is part and parcel of the search for an insurance policy to suit you. Why take out cover for a 30-year period when you know that in 25 years' time your outgoings will be greatly reduced? Generally speaking, most people take out life insurance to last until they've paid off the mortgage, or until the children leave home. The financial stability following such milestones means that insurance cover may not be such a necessity. Therefore, working out just how long you need to be covered for can be an easy way to ensure unnecessary spending.

Tip #4: Stay on the ball

Lifestyle choices affect how insurance companies view you and your risk factor, and so changes for the better could save you a few quid. You may finally give up smoking, lose weight, or even pack in sky-diving; either way, it's most definitely worth letting your insurer know. They'll expect you to provide evidence of your changes, so make sure you're able to do so, but asking for a reconsideration could be a really easy way of curbing costs.

Article Source: http://EzineArticles.com/8718617

Learning how to be a successful student is as simple as forming good study habits. You can learn the skills that you need to get through a university education, whilst sustaining good marks and enjoying a social life.

Going to university can be an immense privilege for most young adults. Learning how to be a successful student is all about forming good study habits. The social life that comes while attending university can be extremely distracting, however. You need to first form your studying habits before you can learn how to balance work and play.

Learning how to be a successful student is not difficult. The first aspect that you need to take into consideration is the fact that university studies are very different from that of school studies. You may have to adjust the way in which you used to work in order to account for these changes. Forming good study habits, like the following, could be the answer that you are looking for:

1. Plan your schedule: having a schedule can help you to be more organised and stay on track. Choose a certain time to study. Remember that your university schedule will not require you to be at lectures the whole day, every day. This means that you do not necessarily always have to study and do assignments at night. Set up a schedule that incorporates all of your subjects and appropriate times to get the work done within. It is important to include breaks in your schedules, especially during exams. Your brain will need a break from time to time!

2. Do the most difficult task first: even if you are a boffin, you may struggle with some of the assignments. It is best to do the ones that will take you the most time, or that are particularly difficult, first. If you do not, you will be sitting staring at the assignment, tired and despondent after all of the "easy" work that you did first.

3. Ask for help: just because you are attending university does not mean that you cannot ask for help. If you are particularly struggling with an assignment, ask for the assistance of one of your classmates. Alternatively, you can go to your lecturer and ask them to clarify anything that you did not fully understand in the lectures.

4. Rule out distractions: cell phones, tablets and other media devices can be distracting when trying to focus. With regard to your cell phone, try to switch if off or put it on silent. If you want to go to the extremes, you can tell your friends the times that you will be studying and ask them not to bother you. When you do decide to take a break, stay away from the tablets and social media sites that you use. You will get distracted and probably not continue with your studying.

5. Reward yourself: set yourself a goal that you need to achieve. It will keep you focused. Remember to give yourself a reward of some description once you have reached that goal!

With a strong studying foundation, you will be able to conquer your university degree with ease whilst still enjoying the social life that comes with it as well.

Article Source: http://EzineArticles.com/8735039

Whether you are just fresh out of high school or you're looking to take up another course, you need to put some careful thought into the program you will enroll on next. To help you find the most suitable and even the best course for you, keep the following tips in mind.

Whether you are just fresh out of high school or you're looking to take up another course, you need to put some careful thought into the program you will enrol on next. This is because you don't want to waste the money you will pay for your tuition fee and of course, your time in enrolling on a program and deciding midway during the semester that you don't like the subjects or lessons that you're currently learning about.

In addition, it is important to choose the best program you will enroll on because this will make or break your career after you complete your studies. As such, it really is essential to carefully think about the course you want and need to study before finally signing up for one.

To help you find the most suitable and even the best course for you, keep the following tips in mind:

• Determine your interests and talents. Now would be a good time for you to think about the things that you are interested in and the one that most interests you. Do you like math? Maybe you'd like to take up an engineering course. Do you love writing? Journalism would a good course for you to enroll in. Or do you love drawing or are fond of sketching? You can take up architecture or enroll in an arts course. Find out what you are passionate about and in what areas you have some talent in and you will be able to choose the right course that should enroll on.

• Narrow down your list of courses that interest you. There will be several courses that will offer the same subjects or units. You have to make sure that you correctly choose the specific program you will enroll on and one that you won't regret signing up for. Make sure you read the course description and all the description of the units you will have to take up under this course so that you won't go blindly when you sign up for it.

• Consider all the expenses. You have to be realistic as well: you need to consider the finances you have at hand and the expenses you or your parents will have to pay for when you start studying. Find out if you (and your parents) can afford to pay for all the course fees and other extra expenses that come with this course.

• Finally, look at the career prospects. You don't want to take up a course that would be considered "obsolete" or not useful in the future. As such, when choosing a good course, read about the career prospects and find out the employment opportunities available for you when you graduate. After studying, you will definitely want to get a good job immediately and earn financial freedom and you can achieve this when you choose the right course today.

Article Source: http://EzineArticles.com/8725859

The demand for student loans is increasing at a remarkable pace these days. Many experts in the education and finance sector feel the demand will continue to rise due to the recovery in the job market post economic recession. The number of students opting for higher education is increasing at a greatly due to the increasing awareness about education. The competitive nature of the job market also makes it essential for students to enroll for such programs. Considering this huge demand, many private lenders have come forward to finance students to take up their desired courses. Though the list of private lenders for student loans is quite large, you need to be aware of the eligibility criteria to apply for these loans. Let us discuss the eligibility details for instant loans for students in the next paragraph.

Eligibility Criteria for Private Student Loans: The first eligibility criteria for obtaining financial aid from private lenders are the age requirements. For any kind of legal agreement, you will have to meet the age requirements which is eighteen years of age at most places. However, there are some places where you need to be at least twenty-one years of age. Private lenders advance student loans to those who are residents as well as permanent citizens of the country or those who have a co-signer for the loan who is a permanent citizen. You should keep all your documents related to age proof, previous school attended and address proof ready for the loan application. The students will have to convince the lenders about the demand for their course in the market as the lenders would want to know how the student intends to repay the loan after his education is over. Generally, companies hire candidates passed out of well-known and accredited schools and hence loans are also given to candidates who are students of such schools. You can consult loan officers for the student loans without cosigner and no credit.

Getting the Private Lender Student Loans: Choosing the best hard moneylenders for student loans is essential so that students can get out of the loans easily. Ideally, you should go for the established players in the market who offer student educational loans at affordable rates. The terms and conditions of different lenders are different and hence you should study them carefully before signing up for the loan. Educational loans generally come at a higher rate of interest than the other kind loans. There are lenders who give loans only for select courses and not for all while others may finance you up to a specific amount. You should look for special schemes in which you start the payment of your monthly installments after you get your job. Many reputed lenders give a span of around one year for the students to get a good job after their course competition before the repayment actually starts.

Private lenders for student loans also demand for a co-signer and hence getting one would be a challenge for you. This is mainly because if the student defaults on the payment of the loan, then the co-signer is held liable in such cases. The international student loans without cosigner can be extremely useful for those who wish to study in foreign countries. 

Article Source: http://EzineArticles.com/

Car buyers constantly worry about their car getting damaged because the cost of repairs is phenomenal. But, now you can put all your tensions and worries to rest by obtaining comprehensive car insurance package. The insurance policy is ideal for protecting you against damages caused by factors other than collision.

Owning and running a motor vehicle can be expensive. But being left without your car for any number of reasons can be even more expensive and very stressful, particularly if you haven't taken out car insurance.

Insurance is very crucial for every car owner because it protects you from future unexpected problems. However, shopping around for car insurance can be confusing and frustrating, especially if you are a first-time car buyer. It is because you have to understand the different types of insurance policies that are available in the market. You also have to decide which policy is essential for you and which one isn't.

When you are in the insurance market, you must opt for the policy that protects you against several damages. Comprehensive car insurance coverage is one such policy that provides coverage against a wide range of unexpected and unpredictable damages to your car that are not related to a collision (you have not struck another vehicle). Here is a list of what can cause damage to your car:

>> Theft

>> Vandalism

>> Fire

>> Natural disaster (e.g. storm or flood)

>> Falling objects

>> Damage done to your car by animals

>> Damage done to your car as a result of civil disturbance (e.g. riot)

Why Buy Comprehensive Car Insurance?

It is a very interesting question you may ask yourself as you shop around for insurance. Here is a list of questions to think about when deciding to buy comprehensive car insurance coverage:

1. Does your Lender require Comprehensive Car Insurance?

If you purchase or lease your new car and you got finance from a lender, you should check with the lender that holds your car loan or lease to make sure if the insurance is required.

2. How Old is your Car and what is your Car's Worth?

If you have an older car and it is not worth much money, you may be confident that you can afford to repair or replace your older car. In such a situation, the insurance policy is not necessary for you. Comprehensive car insurance coverage can be a very smart investment for those people whose car is worth a huge amount of money. It is also ideal for those who don't have the money on hand for repairs or replacements after an accident.

If you are still tempted to avoid insurance, you should weigh up your options between paying insurance premiums against how much money it will cost to repair or replace your car. It is always better to choose a safer option. Remember that comprehensive car insurance coverage will provide you the peace of mind knowing that you will be protected in the event of any unforeseen damage.

Article Source: http://EzineArticles.com/8722181

When planning for a trip, its important to think about choosing family travel insurance. Every family deserves a break now and then, but get covered.

Nothing is more deserved than the annual family holiday. But while nothing compares to quality time away recharging the familial batteries, the time spent beforehand preparing can be stressful enough to require a second holiday! Booking, packing, choosing hotels, managing work, sorting out the kids - in all of this, insurance cover can seem like just another hassle.

But if you take some time to find a good provider, they can back you year in year out and put your mind at ease.

Find correct cover

It is important when you are choosing family travel insurance to shape it to suit your holiday habits. There is just little point in choosing a plan that is better suited to people who are heading overseas to take par tin some adrenalin fuelled sports if you're off to Lanzarote for a beach break. A good provider will tailor a plan to cover your trip without paying for extras and premiums you simply do not need.

Find group cover

You're travelling as a group so it makes sense to cover yourselves as a group. The great benefit of quality family travel insurance is that it treats your familial group as a one entity. You don't need to spend your whole precious vacation fund on individualised cover. Indeed, the better providers are able to measure the risks you face as a unit and often provide great bonuses and cheap rates for children. Settle for a provider that serves all your needs under the umbrella of one familial package.

Find useful extras

Even the most colourful advertising and light-hearted promotions cannot disguise the fact that family travel insurance is about preparing yourself against the hypothetical or possible worst-case scenarios. But beyond this rather bleak reality is the fact that many of the best plans include useful extras. Ranging from free cover for cruises or golfing equipment to 24-hour emergency contact assistance, these extras can give you additional peace of mind and even grant you extra opportunities.

Find efficient quotes

There is no point in discovering a cost-effective family travel insurance plan if it requires you to move mountains to sign up. The better companies not only provide flexibility and reliability, but they also recognise that your time is important. They provide efficient ways of getting accurate quotes and signing up. In the event something should happen, a provider who offers an online claims service is preferable.

Article Source: http://EzineArticles.com/8631571

Buying and storing scrap gold has become a great way of investing. The good side with this type of investing is that its low risk. This is because you always buy the gold at low prices and then store it. There are a number of places where you can get the scrap metal. The most common places are:

Friends and family members: you should ask your friends and relatives if they have any gold that they want to get rid of. The gold pieces can be damaged rings, mismatched earrings, broken necklaces and other scrap gold that you would love to turn into cash.

When buying from your friends, you should come up with a price that the people selling you the metals will be happy with. You should also ensure that the price leaves plenty of room for profit.

Newspapers: while it's uncommon to find people advertising the gold pieces that they have, there are some people who do it. If there are no people advertising, you can advertise that you are interested in buying the gold pieces. To reach as many people as possible, you should advertise in a national newspaper.

Pawnshops: pawnshop owners often have gold pieces that they can't sell to their customers; therefore, you should regularly pay them a visit and see what they have.

How to buy the scrap gold

Before you start buying the precious metal you need to first ensure that you understand the value of scrap gold. The best way of coming up with the value of gold is by taking the spot price of gold and then divide it by 31.1 in order to get grams. You can also divide the spot price by 20 to get pennyweight.

You should then multiply the number you get by purity level of gold.

Once you have known how to value the metal that you want to buy, you should get a license. You should visit the government offices in your city and you will get a license that allows you to buy the metal.

If you don't have money to get the license or you don't want to undergo the hustle that is involved in getting the license, you should consider working with a licensed broker.

Conclusion

These are some of the best places to buy the precious metal. Regardless of where you buy the metal from, you should ensure that you buy it from a reputable seller.

Article Source: http://EzineArticles.com/8716076

Super visa is a very beneficial way of traveling to Canada on a very short notice period; this visa is given only to parents and grandparents of a Canadian citizen or a permanent resident. It has helped many families to reunite with their elders. It is valid for a period of ten years and this is a multi entry visa and rules out the renewing of visits to Canada every time. The super visa allows staying in Canada for a period of two years at once, unlike the visitor's visa which allows only a stay of six months.

The main criteria for applying for super visa is medical insurance, which should be bought from a private Canadian insurance company only. Canadian medical care and hospitalization are very expensive for non residents so it is better to buy insurance instead of spending your money on your unexpected health issues. The medical insurance should be valid for a period of one year and should give coverage of $100,000 minimum.

The super visa medical insurance covers hospitalization, cost of treatment by physician or surgeon, cost of x-rays and other diagnostic tests, covers emergency room charges and covers the cost of prescription drugs and return of the person to the place of origin and even the remains of the person in case of death.

Super visa medical insurance is easy to buy and can be bought online by filling a simple form with the correct details. The medical questionnaire should be filled in very correctly, here do not lie about your medical conditions in case to buy a cheaper policy because all the policies offered do not cover the pre-existing medical conditions if you have any, so it is better you do not lie and truthfully answer all the questions and get a policy which suits you the most. Most policies do not cover the pre-existing medical conditions such as diabetes, high blood pressure, cancer etc. each company has a different policy for pre-existing conditions.

There are many companies selling the medical insurance you can choose from anyone but keep in mind that before buying compare the policy that the company has to offer you, get an online quote and compare it and only then buy. The cost of medical insurance depends upon your medical conditions like the pre-existing conditions for which you will have to pay more and it also depends upon the age of the person. Trust your advisor when buying a policy as he/she will help you in getting the premium at the time of claim.

The full premium is to be paid at once and if your application for visa is rejected then the refund is given and also if you want to return back without completing the one year of stay the refund is given on the unused balance. There is also an option of extending your stay in Canada, but you will have to buy another policy before the first one expires.

Article Source: http://EzineArticles.com/8627998

How should you choose between different types of commercial auto insurance? It all comes down to what your business does, and how your business does it.

As a business owner in any industry, protecting yourself and your business with the correct form of insurance is always crucially important. You must do everything that you can to guard against unforeseen circumstances before they occur, so they are unfortunate but never disastrous or ruinous for your company. Additionally, having the correct form of insurance may also be a requirement for your industry or profession.

When it comes to commercial auto insurance, how exactly can you find the right type of coverage? As always, this boils down to what your business does, including the goods you may be transporting or the services you may be providing, how your business does it, and what type of vehicle your business utilizes to fulfill that objective.

Along those lines, there are several broad classifications which will provide a good starting point. For example, one of the more common types of commercial auto insurance is owner operator insurance, sometimes abbreviated as OOIDA. This is specifically designed for individuals who are owner operators in the trucking industry, and provide for-hire transport services.

Many businesses utilize a regular car for simple purposes and end up needing commercial auto insurance in addition to personal auto coverage. For example, a realtor may drive clients from the office to various houses around town. Commercial auto insurance is needed here. Or perhaps you make deliveries of food or other goods. You need commercial auto here, too.

You might also be utilizing a business van for local deliveries of flowers, packages or newspapers, or anything else, or perhaps you give customers rides to and from your location in a van. Once again, you need commercial auto here too, although there are special policies specifically designed for company vans.

Another classification is commercial auto insurance for the construction and contracting industry. Whether you're the project manager and you simply are driving your car to the job-site, or you're hauling materials and equipment utilizing a van, truck, pickup, flatbed truck, or anything else, this is another specific type of coverage which is available.

There is also specialty business vehicle insurance. Specialty vehicles are those which don't fit easily into other broad categories, such as semi-trucks, 18 wheelers, pickup trucks or vans. Here, you'll find refrigerated trucks, log haulers, automobile haulers, tow trucks, wreckers, dump trucks, garbage trucks and waste haulers, and more. These all apply very specifically to certain types of vehicles, and in turn, certain types of businesses and services.

Of course, the list goes on from here. The most important thing you always have to do is find as specific a policy and coverage as possible. The good news is, there's an absolutely massive range of different coverage types and plans, so that's almost always fairly easily accomplished.

Article Source: http://EzineArticles.com/8684274

It is unlikely for a patient to know about his rights and the meaning of medical malpractice in detail. This is why it is extremely important for such people to hire a resourceful medical malpractice lawyer who can guide them through the processing of their claim.

Medical malpractice refers to the negligence of any medical practitioner in treating their patients. Some common cases of such malpractice include wrong dosage of a potent medicine resulting in side effects, forgetting medical equipment in the body of the patient or removal of a healthy organ. Such serious mistakes can affect the health of a patient adversely and it is only justified that the responsible doctor should be made accountable for the same.

Hiring a medical malpractice lawyer is a time consuming and tricky task. Understanding of how the legal process relating to such claims works can be of immense help while deciding on which lawyer to hire. It is necessary to consider the medical domain that the lawyer specializes in and his jurisdiction before zeroing down on him. Also, hiring an experienced lawyer could prove beneficial in getting accurate guidance and finally winning the claim.

In order to take all the necessary details into account and hold the concerned person responsible for the same, a lawyer has to be really smart and efficient. Also, not many lawyers are known to handle cases of medical malpractice on a regular basis. The aim of a patient initiating medical malpractice claim should be to find a lawyer who has a unique plan in mind about how he wants to go about handling the case. He should be able to come up with facts which can contribute immensely into making the case of the patient strong.

Searching for such lawyers on the internet is the easiest and quickest way that could lead a patient to a competent lawyer. Legal communities and forums online can reveal a lot about medical malpractice lawyers and their strengths. Good research on such websites can assist the patient with understanding which lawyers he should consider and which ones he should steer clear of. One can also ask friends and family for friends of lawyers that they might know of. Finally, before finalizing on a lawyer, it is important to get a quote on his services. This way, the patient will be able to ascertain if he can accord the lawyer and also if the lawyer will be able to meet all his expectations. 

Article Source: http://www.ezineArticles.com/

If you own a motorcycle, one of your biggest expenses related to the vehicle would be the insurance. Whether your vehicle is a scooter or a high-end sports bike, you need to get the best possible insurance policy, one which meets your requirements while offering the lowest possible premium.

If you are looking for motorcycle insurance, you would want maximum protection at minimum cost. Here are a number of factors which determine the cost of your insurance.

Personal Details

When it comes to insurance, age is the most commonly considered factor. Male riders under the age of 25 are generally considered most likely to file an insurance claim and hence attract larger premiums. Female and older riders are considered safer, and the premium is generally lower. The nature of your job might also play a part in determining the premium.

Residential Area

Where you live plays a huge role in determining your premium. Traditionally, people living in urban areas face a higher risk of theft and are more liable to getting their vehicle damaged as well. Therefore, people living in urban zones attract a higher premium than persons living in a rural area.

Type of bike

The vehicle that you own can greatly affect your premium. The insurance for an expensive bike will be more due to the higher costs involved in fixing or replacing a part. Same is the case for bikes which can achieve high speeds and older motorcycles for which finding parts may be difficult. If you have a classic bike, it would be advisable to choose an insurer who specializes in such products.

Other users

Adding an alternative rider for the bike could affect the overall cost of insurance. An experienced motorist would decrease your premium while adding a younger individual, like a teenager, would mean higher costs.

Usage of the bike

If you ride your bike often, there is a higher risk of you being involved in an accident. Motorcycles that are used for daily commute have significantly greater risk than one that is used occasionally. Moreover, if you live in an area with large amount of traffic, your insurance charges could be high.

Security measures

A bike is much more open than a car, and is in greater danger of being stolen as well. The mount of security measures implemented in your vehicle is very important. Installing an alarm, GPS tracking equipment etc. would considerably lower your rates. Parking your vehicle in a secure location would help as well. Some insurers might even recommend a specific anti-theft device to their customers.

Type of insurance

There are different types of insurance like third party, comprehensive, etc. which provides varying levels of coverage. The type of policy that you opt for is very important. Third party policies will be much cheaper than the ones which offer more complete coverage.

Each insurance company has its own way of calculating insurance premiums. Most companies look at these points along with other factors like your driving skills, number of bikes insured, etc. Always remember to consult all possible options before choosing an insurer for your motorcycle.

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Whether you are a teen with a few pimples to take care of or whether you are in a more mature stage of your life where you want to keep the signs of the time at bay, taking care of your skin is a necessity for every woman (and man actually). And in this tough economic climate, having this done professionally by going for regular facials and treatments might not be in your budget. That does not mean you need to give up on having this luxury in personal care. 

You CAN have a great facial at home and get the glowing skin you want. This needn't be an expensive exercise, it does not have to be time consuming, you don't need any special, hard to find ingredients and tools and it does not have to be messy. Follow these step-by-step instructions to get the results you want and you deserve: Step 1: Decide on the type of facial you want. 

Deciding on the type of facial you will do depend on your age and your skin type and if you want to treat any particular condition (acne, dry skin, wrinkles) or if you just want to do general maintenance.

Step 2: Buy a facemask or find a natural facemask recipe to suit your skin type. 

You can buy a good facemask from your local drug store or even better, you can make one from ingredients you probably already have in your kitchen. There are many recipes for great homemade facemasks to suit every skin type or condition. All you need to do is search. Then gather these ingredients and make your mask. Step 3: Gather together all the things you need for an effective home facial.

Besides a face mask you will also need a few other things like a bowl to steam your face over, a kettle to boil water, a towel, an exfoliate suitable to your skin type, a toner or tonic and a moisturizer. Step 4: Prepare your facial steam

Boil a full kettle of water. Pour this into your basin or into a bowl. The water will be very hot, so you might need to add a little cold water so as not to scorch your skin. Step 5: Cleanse and exfoliate your skin. 

If you are not using an exfoliating mask then it is a good thing to use some kind of exfoliation method when you clean your skin. Either use homemade face scrubs, a facial cleanser with exfoliating beads, an exfoliating sponge or a sonic facial cleanser machine.

Step 6: Steam your face 

Your face is now free of makeup and cleansed and exfoliated. It is now ready for a steam. Cover your head with a towel to trap steam. Step 7: Apply your Mask 

After you have steamed your face you are now ready to apply the mask you bought or made in step 2. Apply evenly using circular motions. Leave the mask on for the recommended time. Relax. Step 8: Rinse, tone and moisturize 

Rinse off your facemask with tepid water. Tone your skin using your regular toner or use a natural toner like rose water. Apply your usual moisturizer. 

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Reducing the High Cost of Health Insurance

We are all experiencing the dramatic unexplainable rate increases in our insurance premiums.

You know the reasons given to us for these increases. Millions of people who were previously uninsured are now covered. Medical questions are no longer asked, therefore a healthy person pays the same rate as the person with major health issues. The healthy person's premium was increased to match the person with major health issues.

Are there options? Yes there are.

1. No health insurance. What would happen when you have a stroke or heart attack or breast cancer? Would you have sufficient personal assets to pay the hospital and Doctor bills? This is high risk should a medical need arise and this person is subject to the personal responsibility tax when filing taxes.

2. A health plan through your employer ACA plan (Affordable Care Act). Some employers provide insurance for their employers and their families. Some employers provide health insurance ONLY for the employee and not their family. Even when health insurance is provided by the employer do you know what the coverage includes?

3. A non-compliant ACA health plan - at a lower premium, with more benefits included. Often it may be to your advantage as a healthy person to purchase a health plan that is off the exchange, that is not part of the Affordable Care Act plans. Or perhaps one member of the family is on a ACA plan while the other members choose to go off the exchange to reduce the overall health insurance costs.

The advantages of the third option are:

a) PPO network you choose any Doctor, any hospital nationwide

b) Coverage worldwide. No restrictions.

c) Coverage on or off the job, even if covered by worker's comp.

d) Fixed rate locked in up to 36 full months. (long term savings)

e) Guaranteed renewable - without underwriting again. no medical questions.

f) Medical necessity for a procedure is determined by you and your Doctor, not by the insurance company, as is the time allotted to be in a hospital and what hospital.

Disadvantages:

a) Not all applicants are accepted due to current major health issues.

b) Applicant is subject to Personal responsibility tax. 1% - 2%.

There are many health insurance carriers. There are many agents who are available and would like to sell you "their" plan. 

It is to your advantage to talk with an agent who has sold various plans with different companies.

Why? Because from experience they have seen the benefits and disadvantage of each plan.

Whereas, a captive agent, selling only one product for one company has his/her best interest at heart vs yours.

Research your options before renewing your current health plan or purchasing a health insurance plan.

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All insurance agencies and brokers should blog, showcasing their expertise with original content. Blogs help website stickiness, provide content for social media marketing and help improve insurance search engine optimization. Here are six simple steps to create more effective insurance agency blogs:

1. Make the headline succinct - 5 to 10 words: Long blog headlines impede formatting, sharing and efficacy. Spend a little extra time to streamline insurance agency blog headlines. Remember, they don't need to be a sentence - they can be a topic or a phrase. 

2. Offer an interesting angle or knowledge nugget: Just as a newspaper reporter or freelancer would seek an angle to pitch their article, so should agents, brokers and agency marketers. Why is this blog of interest to the target readers? What will they learn? What is interesting, compelling or educational about the blog?

3. Add an image: Images are interesting and blog readership metrics show that blogs with images attract more views. Images can improve formatting, professionalism and branding. They can help quickly convey what the blog, and/or your agency wishes to convey. For example, if the blog is about new OSHA regulations relating to restaurant insurance, an image pertaining to OSHA, food, food storage or perhaps a restaurant exterior can improve the blog.

4. Use bullets or subheadings: It's faster and easier to assimilate information in bulleted or subheading formats. Many recommend that emails to executives use bullets to quickly convey important information. Blogs should be relatively short as noted in Step #5, and bullets and subheadings help keep information succinct and better organized.

5. Keep the content short (200 to 500 words): There are many perspectives on blog length. I tend to think shorter blogs can be better blogs. Lengthy topics often work better with a blog introduction and a link to additional information on an insurance agency website such as a white paper, recorded webinar, video or a web page with relevant content. Blogs can be very short, even a couple of sentences can suffice if the blog is redirecting to other content as previously mentioned. In the instances of video sharing within a blog (for example - watch this white board video on group captives and large deductible plans), these are often referred to as vlogs as opposed to blogs.

6. Publish consistently and share your blogs: For a blog to be effective, it needs to be consistent. Visitors who view a blog and find the most recent entry is a few months old are going to be turned off. They will know that the insurance agency is not paying much attention to the blog, and question relevancy. Blogs need to be current and should be shared. Blog content help agencies with insurance social media marketing, providing something current and relevant to share with their target market. Agents should ensure they have social media sharing chiclets associated with each blog, so their readers can share them too. Insurance agents and brokers can and should blog about insurance topics, such as benefits and compliance, PPACA, PLI, and group captives though they can also intersperse blogs on business, travel, book reviews and other items that might be of general interest. Agencies lacking the time or resources to write consistent blogs (at least once per week), can use a proficient insurance marketing agency to augment their efforts.

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Have you ever bought a silver necklace and your neck began to turn red or start developing a rash? That is because the silver that you are wearing contains other alloys that are reacting to your skin. Sterling silver contains 92.5% silver where the remaining 7.5% can be a combination of other metals like copper or nickel or aluminum. These other metals give sterling silver more strength but also lower the value of your jewelry. Sterling silver skin reactions force consumers to either spend more money to buy gold or platinum jewelry which can cost up to ten times the cost of a silver necklace. Pure 999 silver does not contain any other metals such that it is hypo-allergenic and has not been found to cause any skin irritations.

It is a common reality that pure 999 silver is a softer metal and cannot be made into jewelry. That is now not an issue anymore. With the latest technology, special machines have been designed such they are able to mold and cure pure silver into fine jewelry pieces and also maintain its form. They are also now able to make many different complicated designs that you cannot even find in gold necklaces.

Pure 999 fine silver does not tarnish as easily as 925 sterling silver. The reason for this is the fact that the other metals are reacting to water or oxygen at normal temperatures and begin to show tarnish at a much faster rate. I am not a chemist but we have left a sterling silver chain and a pure 999 silver chain in a jewelry rack and the 925 silver chain began to show tarnish much sooner.

Pure 999 fine silver also holds its value much better than sterling silver. It is more of an investment than just a jewelry costume piece. You can easily take your pure.999 silver jewelry to a pawn shop or fine metals trader and they would give you much more than what you would get from a similar 925 silver necklace. The cost of the 999 silver is not much more than sterling silver if you look for the right retailer. Also keep in mind that there is real and fake silver. Fine silver pieces must be stamped with a quality engraving. The silver that you buy at big box stores you will find that they do not have the engraving and are considered silver jewelry pieces and could contain other alloys and have little market value.

We have also found that pure 999 fine silver jewelry shines much brighter than sterling silver to almost a metallic white than a silver colour. We have found that it is comparable to even gold and platinum. It is very difficult to see using photos but once you put the necklaces side by side and with the naked eye you can immediately tell the difference.

Due to the small difference in pricing from sterling silver, there is no reason that you should purchase pure 999 fine silver jewelry from now on. It is still much cheaper than gold but shines and looks even better. It doesn't tarnish as fast and is hypo-allergenic. From our research, only a few trusted retailers in North America sell pure silver necklaces.

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It was one of the founding fathers, Benjamin Franklin, who formed the first insurance company in 1751, called Philadelphia Contribution-ship, and it was home/fire insurance. According to PBS reports, 143 policies were issued by the company in the first year, and none of the insured property caught fire for seven years afterwards. In fact, Philadelphia used the same scheme that all insurance companies use today; the members of the company paid an amount of money that would be used to restore financial loss due to fire-related causes. Such payment is popularly known today as insurance premium. Benjamin Franklin played a significant role in developing insurance indeed, but he was not the first to introduce auto insurance. As a matter of fact, the first car insurer's venture began a little earlier than Benjamin Franklin's time.

The First Known Automotive Insurance in America

People now see car insurance as an inevitable part of everyday lives simply because car is the most-popular means of transportation in the country. Insurer provides essential financial protection for every vehicle owner in the event of an accident that causes property damages, casualties, medical conditions, and all possible financial losses. In America, Detroit is nowadays well-known for its automobile industries. During the late nineteenth to early twentieth century, Ohio was home for innovators of this new type of transportation. It is worth mentioning that the world's first car insurance coverage policy was issued in Dayton, Ohio in 1987. According to Ohio Historical Society, Gilbert J. Loomis was the first person to purchase car auto liability insurance. The policy provided protection for Loomis in terms of financial loss (or financial responsibility) in case his car damaged another person's properties, killed, or injured someone. These policies are more or less similar to those used widely by modern car insurance companies throughout America nowadays; at least, the policies issued to Loomis set examples of what kind of financial protection that car insurance policy 

should at least provide for the owner.

The car insurance industry slowly began to gain its popularity since then, and it indeed developed into more comprehensive as well. In 1902, the first comprehensive insurance policy provided coverage for fire and theft, so it was no longer for accident-related causes only, according to International Risk Management Institute. In 1912, insurance coverage that combined multiple perils was starting to develop as insurers tried to include fire, property, and liability coverage for automobile into one single policy. Auto insurance coverage policies evolved greatly, but the basic principles remain the same. Benjamin Franklin did not probably think about cars when he started Philadelphia Contribution-ship, but he played a crucial role in developing the system and popularize the idea that insurance does bring peace of mind to the policyholder.
With the rise of the automobile industry in America, insurance also began its expansion. There are many factors involved in the success story of car manufacturing such as expansion of U.S. economy, infrastructure and road development, and the rise of "car culture" itself in the country. Of course, the rapid growth of vehicle production and number of car owners in the country inevitably resulted in more road cars and accidents.

In 1930, more than 100 people were killed in accidents per day. It is not a surprising fact since drivers at that time were not obliged to undergo strict driver licensing, and probably most of them were never registered to any driver test. This was, in fact, an expected consequence due to the absence of driver test or driving schools. In 1920s, due to various political reactions, the government invested more funds to build better roads and traffic control system as well as improve vehicle licensing regulation and implement strict driver test. Massachusetts was a step ahead of most states by establishing driver licensing in 1903; however, the state only started to implement driver licensing in 1952.

Massachusetts and Connecticut were ahead again with the implementation of compulsory insurance and financial responsibility laws. To be more precise, Connecticut's law required driver or vehicle owner to produce valid proof of financial responsibility of at least $10,000 in case one is involved in an accident that resulted in more than $100 worth of damages, injury, medical bills, or when the accident caused the death. Back then, drivers were obliged to what was stated by the law after their first-time accident.

In 1950s, car insurance began to spread widely across the nation in almost all states. Massachusetts was the only states in the country that required drivers to purchase car insurance policy before vehicle registration. In 1956, New York adopted the same regulation; North Carolina took the same step in the following year. During 1960s and 1970s, almost all states developed the same type of regulation although each state has different specific requirements. Considering that the beginning of compulsory insurance law was in 1925, and it was successfully applied throughout the nation by 1970s, the development is staggeringly quick.

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Many will consider investing in gold, but may shy away, due to a misunderstanding of its value. If you are thinking about buying gold shares, you should start by researching prices and by gaining an understanding of the gold standard. It is important to know the advantages and disadvantages of gold backed monetary systems, and how this metal affects the economy.

Gold Standard VS Money
Before the 1930s, the U.S. monetary system was backed by gold. During this time, the metal was valued as the fixed weight (in ounces). This meant that paper notes could be redeemed for equal value in gold. Today, the monetary system is no longer backed by the precious metal. It is backed by faith. What this means is that money is only as valuable as those who believe in it.

One of the benefits of a gold standard, is that it helps maintain the value of money in a more stable manner. Without the backing of gold, too much or too little money can be printed, which can lead to inflation or deflation. However, it is not likely the monetary system will return to the gold standard any time soon.

Though the monetary system is not backed by gold, its value has remained steady. The price of gold today is very close the price of 30 years ago. This is an indicator that the precious metal may be a good investment, in terms of being relatively safe. Many experts encourage investing in gold, as it seems to be a relatively sound investment.

Determinants of the Price of Gold
Though stocks have company performance to help investors make investment decisions, gold has none. Would be investors must rely solely on economic conditions and global supply and demand. The demand for gold is difficult to predict, making it a somewhat difficult investment.

However, for those who want to diversify or want something for long term investment, gold may be a suitable choice. Gold prices have fluctuated significantly over the past few decades. At one time the price of gold was about $2,000 an ounce. It then dropped to $300 an ounce. Currently, the price for an ounce is at around $1,300. While economic conditions determine the price of gold to an extent, it can also have a protective effect.

Benefits of Purchasing Gold
Buying gold can be a way of protecting against financial crises. It can protect against losses of a savings portfolio. You can protect buying power, if inflation continues to rise. You can also protect yourself against the effects of a major bank collapse like in 2008. Some experts believe it is far better to own gold than paper money, in the event of another financial crisis.

While some controversy surrounds the benefit of owning gold, it is worthwhile to investigate. As with any investment, it pays to speak to an official gold dealer and do some background research. Some comparative charts can help you determine if gold is a good investment to meet YOUR future needs. It is also noteworthy to pay attention to supply. It is expected that demand will soon surpass supply. I think that now is a good time to invest in precious metals like gold, before the supply runs out or becomes difficult to attain. Now you can buy gold relatively cheaper than two years ago. The risk of waiting longer is that you will be buying the top before the next correction.

Conclusion
There are many considerations in determining whether or not investing in gold is a smart move. Decide for yourself, by speaking with experts, doing some research, and determining if owning gold can help your particular financial situation. And when you're serious about gold purchase, an official gold dealer may help, by providing some detailed information on gold and its performance in markets over the past several decades.

I am as always Bullish on Gold.

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The building profession is a diverse field. Construction workers are employed in a variety of commercial and residential settings and use an array of different tools and materials. As a result, each site presents unique risks for personal injury or property damage. Construction insurance is necessary to protect contractors, subcontractors, and property owners from litigation resulting from an injury or property damage connected with the building process.

However, purchasing construction insurance is not just a wise business investment. Policies may be required when providing services to the federal, state, or local government. Many private entities will require coverage as well. Your employees, clients, and the public all benefit from comprehensive coverage in the event that something does not go as planned. Potential clients also look for these protections as a sign of professionalism when hiring a contractor.

Construction insurance works by protecting the contractor and any injured parties in the event of property damage or injury at the job site. This type of policy is referred to as commercial general liability insurance. Parties protected generally include the party agreeing to the services and members of the public directly affected by the work.

The insurance company will pay for any accidental injuries or property damage so that the business owner does not have to pay from his own pocket. Legal counsel will also be provided in the event your business is sued as a result of an accident. Negligent behavior and deliberate omissions or errors are not covered by these policies. Typically, the policies are effective during the time the contracted work is ongoing. However, issues may arise long after the completion of the building. These problems can often be addressed when creating the agreement by adjusting some of the language.

A builder's risk policy indemnifies against damage to the building while under construction. It protects against damage to fixtures, materials, and equipment used in the building or renovation process that may be caused by fire, wind, theft, or vandalism. Cars and trucks used in connection with the work and driven by employees may need coverage as well. Design professionals like architects, or others engaged in designing any aspect of the project should have professional liability coverage.

Workers compensation is another type of coverage that may be required in your state. These policies protect workers injured or who become ill on the job site by paying medical bills and disability claims. Finally, a bid bond may be required under some circumstances. This is a proof of guarantee to the project owner that a contractor can perform the work required and is a promise that the owner will be compensated.

Consult with an agency experienced in serving contractors, subcontractors, and property owners if your project requires construction insurance. An experienced agent can help identify risks and potential losses in order to determine what plans will cover your needs.

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1. Governance and organizational partnerships

In the context of Bangladesh it is essential to have partnership between private and public sectors and NGOs to implement IBI. The public sector role would be to set a policy and regulatory framework in place to ensure reliability of insurance services and protection of those purchasing insurance products. SBC and larger private banks can serve as reinsurers as private companies will want reinsurance support before introducing crop insurance.

NGOs and MRs are best placed to implement at the grassroots level due to their existing network and reach in rural areas.

2. Data

The Bangladesh Meteorological Department has collected high quality data since 1952. Rainfall is recorded every three hours from 35 weather stations throughout Bangladesh, primarily for the purposes of weather forecasting. The ADO is proposing to upgrade at least 20 weather stations and is preparing maintenance plans to improve the near- real-time weather data collection and reporting system. However, the IFC scoping report is the only study to identify the need for more granular infrastructure of weather stations to ensure that settlements are fair with low basis risk.

Over the past 30 years, the Flood Forecasting and Warning Center of the Bangladesh Water Development Board has collected daily water height data at 342 water level stations In order to assess the timing and duration of river flooding during the monsoon season. These data are used to identify the days when water levels were higher than the official danger level for each station.

The Bangladesh Bureau of Statistics has collected yield data for major crops for several decades. District level yield estimates are publicly available. The sampling is sufficient to allow yield estimates at the sub-district level or yield estimates for distinct varieties of major crops at the district level. For example, for the Boro season, separate yield estimates for focal paddy, high-yielding paddy' and Pijam paddy are available per district.

3. Modeling

The index model will be dependent on the type of risk, i.e., drought, excess rain etc. Constructing a model requires a multi-disciplinary approach that includes meteorologists, hydrologists, agriculture specialists and insurance experts. The model will define the level at which insurance payouts will be triggered, for example, excess rain could be defined as more than 80 mm rain within 1 to 2 days. Some models pay out zero or the full sum insured, while other models have different levels of payout correlated to the severity of the risk. IFPRI is using the zero or full sum model for drought insurance while CIMMYT is considering a triggered payout model. IBI can be designed for different levels. At micro level, farmers are targeted directly for insurance. At meso level, insurance is taken out by MFIs to cover their credit risk based on crop loss.

At macro level, government institutions or disaster relief organizations use IBI to fund extreme weather relief efforts. All current IBI projects in Bangladesh are at micro level except Oxfam's meso level flood insurance.

4. Contract

Contracts for IBI should be transparent, fair and reasonably priced, and must be easy for farmers to know what is and what is not covered by the insurance. When the contract is designed, farmers, local decision makers and experts should be involved so that all perspectives are considered. All contracts have a defined start and end date to limit the period for which the underlying index is calculated. The IFPRI pilot is from July to October, the period in which farmers face the greatest risk of Incurring crop damage.

5. Capacity and community building among farmers

It is Important to make sure that farmers have ownership of the Insurance product through consultation with them throughout the design of the product. Farmers can be an integral part of validating and addressing any subsequent issues to adapt or improve the index or contract.

In some circumstances it may be possible that the weather risk is just below the trigger point for insurance payout: in these years, farmers may lose crops without compensation. In such scenarios, it is beneficial for farmers to form community groups that pool resources, such as through group savings. In addition, members of the community group can support each other when individuals are affected by household level events not covered by insurance.

6. Workshop ALMS

In preparation for the workshop, ICCCAD held preliminary meetings with selected experts and practitioners to inform the objectives and program of the workshop. Representatives from the following organizations were interviewed: CIMMYT. Comprehensive Disaster Management Program (CDMP), International Research Institute for Climate and Society, Columbia University (IRI), IFC and IFPRI.

It was mentioned by most of the experts and practitioners that although there has been much discussion in recent years about IBI in Bangladesh, there have been few instances of practical intervention. As a result, the workshop must be action oriented and seek to advance the IBI agenda. Participants should leave the workshop with an improved understanding of what actions and best practices need to be undertaken for their organizations to address the many challenges of implementing IBI in Bangladesh.

There was also a desire to learn more at the workshop about ongoing and future projects. Through the discussions of current and future IBI activities, participants can identify opportunities for collaboration. They may be able to offer needed expertise to a project or to work in different locations. Such discussions can help to reduce duplication and encourage information sharing. It was commented that to continue the monitoring of IBI projects and developments, experts and practitioners may wish to form a network. This can take the form of a simple emailing group or a more formal regular meeting.

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