Worksite Wellness Coordinators – 3 Measures of Your Program’s Effectiveness and Success (Critical!)

August 29, 2016

The fact that less than 50% of the worksite wellness programs today conduct any type of program analysis or evaluation is a huge problematic issue. You can better manage and improve what you measure. And you do want to better manage and improve your program as needed, right?Essentially, there are three broad areas within your wellness program that you can evaluate. They are: program structure, how the program is being delivered and the program’s expected outcomes.Program StructureResearch has found that effective, successful worksite wellness programs are well-designed and comprehensive in their approach. Therefore, an assessment of a program’s structure focuses on whether key structural components are in place. To assess your program, you need to ask yourself the following questions:1. How committed is your organization’s leadership to the program?2. Are your programming and interventions based on the needs identified by your comprehensive, organization-wide needs assessment?3. Are your programming and interventions aligned to the demographic and health status characteristics of your target audience?4. Are the topics covered relevant to your target audience?

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5. Are your programming and interventions evidence-based?6. Do coherence, consistency, and integration exist between the various components of your program?7. If you use incentives, does the value equal or exceed the requirements needed to obtain the incentives?8. Are your incentives appropriately designed for their intended purpose?9. Does your program have sufficient resources allocated and is the staffing adequate?10. Are the necessary organizational factors important to success integrated into the program design?11. Is the program seen as being a permanent, integrated feature of employee benefits?12. Is the program aligned with the culture of your organization?13. Is there an evaluation infrastructure in place for tracking program impact and outcomes?Program DeliveryEvaluating your program’s delivery is typically called a process type of evaluation. A process evaluation typically examines how well your program is being implemented, if implementation is going according to plan and how the operation and delivery systems are working out. Program delivery evaluations also examine if feedback is routinely being provided that will allow for any necessary or needed changes to occur.Questions to ask relevant to process evaluation include:1. Are the programs reaching and engaging your desired target audience?2. How many participate?3. Are participants completing the interventions?4. Are participants advancing in their readiness to change behaviors?5. Are participants becoming more engaged in improving their health?6. How satisfied are participants with the program?7. Are the programming and interventions relevant to their needs?8. Is the program being delivered in a similar way across all locations or workplaces?9. Are communications and branding strategies getting the attention of the target audience?10. Do the programming and interventions yield sustained participation over time?OutcomesEssentially, measuring outcomes is determining if your program is achieving its desired purpose, goals and objectives within a given timeframe. Typically, evaluation of outcomes is the primary concern of the employer and program staff or vendors. Are their expectations being met?

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The expected outcomes may differ from organization to organization, but typically fall into one or more of three categories: improvements in the health, safety and well-being of program participants, cost savings (generally viewed as being health related cost savings), enhanced individual and business performance metrics and an overall healthier organization.Speaking of outcomes evaluations, it is important to note that conducting a rigorous and credible ROI analysis is time-consuming, expensive, and requires a high level of expertise in statistical analysis, health services research, econometrics, and benefit plan design. An ideal measure of ROI would be to measure costs and savings associated with each program component separately.Measuring the value a worksite wellness program delivers is a much better and more easily doable strategy for most employers. Monetary value is just one type of value measure. This broader value view allows the worksite wellness program to be seen in light of the full value it can bring to the employer and the improvement of the target audience’s health and wellbeing.

How to Choose a Martial Arts School – 10 Steps Guaranteed to Save You Time and Money

October 7, 2016

What are the most important things to look for when comparing martial arts schools?
What are the tell tale signs of a quality school that you can spot immediately?
What are the best questions to ask, and how do you know if they can really deliver?
What part of a contract can you negotiate?These are just some of the important questions you need to know how to answer before shopping around for a martial arts school.A commitment to martial arts is an investment in time and money, so knowing exactly what to look for in a school, and knowing what questions to ask, will give you the clarity and confidence to make a smart choice.A bad choice in a martial arts school can be an expensive lesson, so use this guide to educate yourself.There is a huge variety of martial arts schools out there. Facilities range from expensive health-club-like facilities to open space warehouses. Martial arts schools aren’t regulated to insure quality of instruction or business practice. There is no official governing body and no universal grading standard in martial arts. Almost anyone can open a school and appear to be an expert.What do you look for beyond price, amenities and convenient schedules? While most people first consider price and the facility, there are more important factors that you need to consider first!These 10 steps show you how to make the best decision in choosing a martial arts school:Objective
Instructors
Class Dynamic
Student Results
Curriculum
Style
Facility
Service
Price/Fees
Instinct1. OBJECTIVE:Before you start looking into martial arts schools, determine your true goals for martial arts practice. To get the most out of your training, clearly identify your real goals and the specific benefits you want to have.Ultimately, you just want to feel good about yourself and feel super confident, right?However, this is usually not enough of a specific emotional motivator for consistent practice.The majority of people who start martial arts rarely make it past a few months of consistent practice. It’s not just a lack of motivation. Not having clear goals is usually why people don’t follow through in practice.To determine what you really want from training, start by narrowing down what you wish to focus on.The focus of your practice can be broken down into several areas. There’s no right or wrong – it comes down to personal preference.For starters, you can number these in order of importance.Physical Fitness as the main goal, with martial arts aptitude as a secondary benefit.
Purely Combative Focus, with fitness and personal growth as added benefits
Creative and Artistic Expression, aesthetics, beauty and WOW Factor
Competitive Focus, sports aspects such as one on one competition
Mental and Emotional Growth, catalyst for self-discovery and spiritual growth, cultural and philosophical interestsAsk yourself clarifying “Why” questions, so you can identify what you’re really going for.This is the first step in filtering the selection of schools to choose from. Once you’ve identified your goals for martial arts practice and understand why they are your goals, you’re ready to search for a school.2. INSTRUCTORS:An instructor plays the key role in how you will achieve your goals.Finding a good instructor is more important than choosing a style, and is probably the biggest factor in your decision to join a school. It’s nice to have impressive amenities and expensive equipment, but ultimately a martial arts school is only as good as it’s instructors.Being a black belt doesn’t qualify someone to teach!A competent instructor is knowledgeable, experienced, and has the ability to effectively pass on his craft.
A good instructor possesses leadership and communication skills.
A great instructor will also display sincere empathy, showing a genuine interest in helping you achieve your goals, bringing out your individual strengths.Look for other attributes that increase an instructor’s ability to add value to your training:Proven competitive track record, such as World Champion Titles
A degree in an area such as psychology, sports medicine, kinesiology or related fields
Military, law enforcement, or security experience
Involvement in a credible martial arts organization
Extensive knowledge of a culture or philosophy that you’re interested inAlthough an instructor’s experience and background provides some credibility, don’t be overly impressed with awards and certificates.Their mindset and level of experience will be apparent through subtleties in character and by their actions.Quality instructors are sincerely interested in helping You and won’t feel the need to boast about their own credentials or prove themselves. Instead of boosting their own egos, high-level instructors are very attentive on coaching you to achieve your goals.You can often measure an instructor more accurately by their students’ results and satisfaction than by credentials alone. The students themselves may be the greatest indication of the quality of instruction.Just like a good business is constantly researching and developing, high-level instructors research and develop methodologies in order to continually improve. A lifetime training in martial arts isn’t enough to reach human potential!A high level instructor portrays noble characteristics of a role model and leader.Confident instructors welcome feedback and respond to your questions with patience and insight. They are usually very humble, and rarely speak negatively about any other school or style.Also, find out if the school’s head instructor is actively teaching. Some schools have classes primarily taught by an assistant or senior students, while the head instructor only makes an occasional appearance.While assistant instructors may be totally capable of teaching, watch out for schools that “sell” you on the instructor but have someone else teaching.3. CLASS DYNAMIC:Make sure you know how to evaluate a school in two parts, the content and the context.The context of a martial arts school is made up of the training methods and environment. What kind of setting is the school providing?A supportive learning environment is crucial to maximize the assimilation and retention of material. The context of training can be more important than the content, (or material), intended to be learned.Look for context such as:The collective mood or energy of the instructors and students
The class dynamic – structure and flow
How the amenities and equipment are used
The training methodologies
How the ranking system is structured
The quality of serviceOne of the best ways to evaluate a school is to watch or participate in a class.You can watch videos, visit a website and read all about the credentials and features of a school. However, you can only get a true feel by “test driving” the actual group classes. Many schools offer free consultations or introductory private lessons.If a school allows you to watch, or better yet, participate in a class without obligation it speaks highly of their confidence and transparency.

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The class dynamic is the best demonstration of the instructor’s martial arts aptitude and ability to teach. It reveals how the students interact with each other and the instructor. It’s also the perfect opportunity to see how their curriculum is implemented into training.Consider the size of the classes and how that may effect your training. The make up and flow of the classes will either help your learning experience or hurt it.Look for the following:Is there a significant age difference among students that may restrict your practice?
Is there a significant difference in the students’ experiences or physical abilities?
How formal or informal are the classes? And, how does that effect your practice?
How much supportive individual attention do the students receive?
Is there anything about the facility that’ll hinder your practice? such as cleanliness, stale air, too cold or hot, distracting noises, etc.Many beginners prefer large classes. It can be easier to follow along with the examples of many other students. There’s also less intimidation as the collective group dynamic can conceal individual insecurities and lessons the pressure to keep up.On the flip side, there is a key benefit to smaller classes that’s important to consider. There is more opportunity to receive personal attention from instructors that can greatly accelerate your learning curve.Again, instructors are the backbone of a martial arts school. The instructor consciously, or unconsciously, dictates the energy of the entire class.Here are some other things to look for:Does the instructor facilitate class with control and safety? (Notice if the students are enjoying themselves or seem uncomfortable and hesitant).
Is the instructor passionate and actively teaching or seemingly going through the motions and mechanically calling out commands?
Do the students seem inspired?A martial arts school provides the setting of a controlled environment where you’ll train to overcome future or potential challenges. In order to maximize results, good schools teach in a context that anticipates and matches the actual environment of those future and potential challenges.The classes must simulate the intended environment and must provide the necessary emotional stress in order to engrain instinctual trained responses.For example:If you’re seeking a combative style for self-defense, look for schools that safely facilitate reality based, high-stress scenario exercises.
If you’re training to fight in a ring or cage, look for a school that teaches you how to maneuver in the confines of a ring/cage under the same guidelines of the competition.
If you’re goal is to perform in tournaments, look for a school that can facilitate your training in a loud, distracting environment with large mirrors and an audience.
If your goal is to have fun getting in shape, look for classes that use good training equipment, have high energy, exciting exercises and a social atmospherePay attention to the flow of the class and notice how much of the class time is instructional. Some schools implement a lot of conditioning drills while others teach with a lot of verbal explanations. Notice if they have a lot of unnecessary “filler time”.It’s also a good idea to inquire about the school’s ranking system. Most traditional schools use some modification of a belt system, but what’s required to earn each belt can vary drastically from school to school.Is there a clear standard for aptitude and execution of techniques at each level? Or are the requirements based on time and the amount of classes taken?Many schools test for promotions after a set number of classes. This gives the perception of building capable intermediate and advanced students, which can be an important aspect of a school’s perceived value. Not to mention, belt promotions are a crucial source of income for some schools.Remember that there’s no official governing body in martial arts, so belt levels may not be valid outside of that school or organization.4. STUDENT RESULTS:The students provide tremendous insight as to the quality of instruction. You can often tell more about a school by the students’ results than anything else.The students are the products of the school’s training system and methodologies. If the advanced students don’t model your martial arts goals go find another school!When observing the students, pay attention to the ratio of beginner to advanced students. It’s a good sign if there are a lot of intermediate and advanced students. That means the school is able to retain their students, and usually equates to student satisfaction.Just as you probably don’t want to eat at a restaurant that’s always empty, be cautious of a school with a few students. What’s considered a small student base? Depending on the size of the facility and how long they’ve been in business, classes that have less than 10 students is a pretty strong sign that there’s something lacking in the school.Consider the characteristics and personalities of the students as well. It’s important that you are comfortable with your classmates cause you may be spending a lot of time with them.Are they the types of people you’d like to be around and train with?
Would you feel comfortable and safe training with them?
Are the students supportive of one another or are they highly competitive and trying to outdo each other?The student dynamic may also reveal how the instructor instills leadership and other life skills that you may wish to develop. Watch how the advanced students handle both challenges and successes.Take the initiative to speak to some of the students. Getting insight from existing students can make all the difference in your decision to join.5. CURRICULUM:Remember that a martial arts school can be evaluated in two parts, content and context. The curriculum and style of a school make up the content.Whether they call themselves a martial arts school, studio, academy, gym, or dojo, they are still businesses. They will promote themselves in creative ways to gain an edge over the competition. You can expect them to entice you with price incentives, boast their credentials, amenities and equipment, or make claims to get you results in the shortest amount of time possible.Don’t allow marketing tactics to distract you from determining if the school can actually support your training goals.Whatever a school claims to provide in your martial arts training, their students, classes and curriculum will give you a good indication of the school’s quality and true emphasis.The martial arts curriculum, (content), is made up of the techniques and material you will be learning at a school.The focus of your training must be supported by the curriculum and training methods.There are key points to look for in determining the quality of a curriculum. Begin by identifying the school’s emphasis. Take into consideration that when there is more focus on one aspect of martial arts, other areas are compromised to some degree.Forms and jump spinning kicks in the curriculum? You’ve most likely found a school with an artistic or traditional focus that may participate in tournaments. If this is what you’re after, the curriculum should consist of aesthetic techniques that have dynamic kicks and beautiful forms with and without weapons.
Are the techniques based on kickboxing and wrestling? A lot of sparring and no weapons in the curriculum? This is probably a school that focuses on one-on-one sport competition. Schools that build towards competition usually emphasize physical conditioning to reach peak performance.Although physical fitness may not be the primary goal in many styles, fitness is generally a by-product of training. You get in shape by default in martial arts practice.The majority of schools have a curriculum designed to provide a general overall perspective on fitness, sport competition and self-defense. For most people who are just beginning martial arts, a school’s curriculum and interpretation of martial concepts should be comprehensive enough to support you through many years of practice. If this is the case, start to look into other components of the school like their class dynamic.For those who have martial arts experience, or seeking a specific area of focus, determine if the school’s curriculum actually supports the emphasis you’re looking for.It’s not uncommon for a school’s true emphasis to be different from how they market themselves. Take note of the techniques in their curriculum and their applications.For example, let’s say your primary reason for martial arts training is purely for self-defense on the streets. You visit a school that claims to be proficient in teaching self-defense. Yet, they teach fixed stances and forms and only implement weapons training in advanced levels.This is a big red flag! This doesn’t mean it’s not a good school. It only reveals that their true emphasis is not truly combative.70% of assaults on the street involve some sort of weapon and over 90% of attacks go to the ground. Any school that claims to teach true self-defense while neglecting weapons training and ground fighting is just plain negligent.You should seek elsewhere if this is your focus. Modern combative styles will implement training in weapons and ground fighting right from the beginning.Training methods also implement high stress scenario drills with multiple attackers. You won’t find fancy acrobatics in the curriculum.Remember the old adage, “A jack of all trades is master of none.” Be cautious of a school that claims to deliver health and fitness AND teach you culture and philosophy AND turn you into a professional fighter AND prepare you for the streets AND promise personal or spiritual growth.6. STYLE:Martial arts can be compared to a huge tree with many branches or styles. All “styles” are based on the mechanics of the human body. Every style has strengths and weaknesses as they each focus on different aspects of the arts.The true measure of a martial art lies in the practitioner, not the style.Having a general understanding of the different types of styles and their focus will help you in achieving your goals. In martial arts there are hard styles and soft styles.Hard Styles focus on striking techniques where the body is used as a weapon for attacking and defending – force against force. Much of the training is external, based on physical conditioning for strength and agility.
Soft Styles focus on redirection and physical manipulation through leverage and positioning – using an opponent’s force against him. There is often more focus on internal training, training of the mind as well as developing the body’s sensitivity to energy.
Blended Styles incorporate concepts from both hard and soft styles in a complimentary method, flowing and transitioning from hard to soft and vice versa.Depending on the area of focus, each style differs in philosophy and training methods. Applications obviously differ as well.Among styles the emphasis of training will primarily focus on one of the following areas:Artistic Expression – Schools with an artistic focus emphasize creative physical expression – the “art” aspect of “martial arts”. Artistic styles implement forms or choreographed techniques in training. They typically have more aesthetic beauty, as movements are fluid and graceful like a gymnast or dancer.Tradition – Traditional styles are rooted with Eastern culture and philosophy. Traditional schools implement both external and internal training for the development of the mind-body-spirit relationship. With this emphasis, martial arts practice serves as lessons for life skills. Practice may also encompass elements of spiritualism.Competition – Competitive styles generally focus on the sports aspect of martial arts. Competitions can range by category including weight class, level of experience, geographic region and specific style. The emphasis is on winning recognition such as rankings, awards, and trophies that is based on a fixed set of rules.Combat – Combative styles focus on street defense or military application, including law enforcement. It’s the “martial” part of “martial arts”. The emphasis is on practical application over aesthetic form or physical conditioning. Training includes weapons and reality based scenario exercises.Fitness – Schools that focus on fitness use martial arts as a catalyst for holistic health. Classes usually consist of fun, energetic physical exercises based on martial arts techniques. Classes will typically implement a broad and general combination of styles and areas of focus.There are also Modern Styles, which are evolved blended styles that are the result of further researched and developed methodologies. Their focus can be artistic, competitive, combative, or emphasize physical fitness.While it may be a good idea to blend styles, it can be counter productive to combine your area of focus. Be clear on which area you wish to predominantly focus on.Again, there’s no right or wrong style. It’s a matter of personal goals and preference.7. FACILITY:The first thing to consider is the school’s location in relation to your home or workplace.Creating a new habit can be challenging, so convenience plays a big role in supporting consistency. You may be commuting several times a week for training, so make sure the facility is close enough so it doesn’t become an excuse for you not to go.Martial arts schools come in many forms. They can be part of a franchise, belong to an organization, or be a one man show run by a single instructor. They may resemble a fitness gym, yoga studio, gymnasium or warehouse.Don’t judge a book by it’s cover, and don’t judge a martial arts school by it’s facility.Although you can’t measure the quality of a school by the facility alone, it does reveal a lot about the owners mindset, aptitude, emphasis of the style and curriculum, as well as the school’s level of professionalism.The degree of cleanliness may reflect the standard of service. You can get a good idea of the school’s style and emphasis by the school’s design.A school should have the amenities and equipment that support the context of it’s curriculum, such as a cage or ring for MMA or kickboxing, proper mats for Jiu Jitsu, etc.Consider what the school puts money into and determine if it actually adds value to your training.Also notice the subtle details of the facility that may effect on your training. Does the air stink? Does the lighting or colors of the facility effect your energy and mood? How’s the parking? Is it noisy?Remember, expensive equipment, and other luxuries equals higher tuition fees. Be aware of the costs of extra rooms and large offices that don’t directly add value to your training.With a good instructor and some basic equipment you can practice anywhere!8.SERVICE:Some schools have great sales and marketing techniques to get you to join. But, it’s the quality of ongoing customer service that really counts.

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Choosing a school that’s skilled in customer service will potentially save you from a lot of unnecessary headache. Poor customer service can ruin your martial arts experience at any level.Make sure that there are open lines of communication and that staff members are readily accessible to answer questions to your satisfaction.You may be with a school for many months or even years. Choose a school that cares enough to build a relationship with you.Know how to distinguish sales techniques from service.As mentioned, some schools are great at getting you in the door with attractive features and promotions. The question is, once you have signed up are you just another enrollment?A good comparison is the large franchised fitness gyms. Their amenities, equipment and low monthly fees are hard to pass up. However, once you join there’s virtually no service whatsoever. There are too many people who have gym memberships and don’t use them. They already have your financial commitment – a contract. Rest assured their service will pick up when it’s time for renewal. But is that service or just another sales technique?The level of transparency is the greatest measure of a school’s integrity. It’s a reflection of their standards of service.Does the school fully disclose all the costs involved in your training? Some schools have additional fees, like mandatory programs or association fees, that they don’t mention until you reach a certain point in your training.
When you have questions, do you get a clear answer right away or do you get an evasive response? The response you get is a good sign of what kind of service you can expect.
Many schools require you to sign a contract in order to take classes. Some schools offer a trial period where you can pay for a number of classes before you agree to a contract. A contract is simply a written agreement between you and the school, and it can always be negotiated. They should be willing to explain the details of the contract to your full understanding and agree to make any changes you feel are important, as long as it’s mutually beneficial.9. Price and Fees:How important is price to you? For many people, it’s the only real limiting factor.Since most people don’t know how to compare value to price, martial arts schools generally don’t advertise their prices – unless they’re promotional.Be honest. Before you read this guide, what’s one of the first thing you wanted to know about a martial arts school?Fees are usually priced by:Term period – specified time period with flexibility of the amount of classes taken, usually monthly or yearly
Number of classes – specified amount of classes taken
Combination of term and number of classes – usually a monthly fee based on the number of classes taken per week
Specific Programs – packaged programs such as Black Belt Clubs, Instructor Programs, Certification Programs, Seminars, etc.Tuition can range anywhere from $50 per month to $500 per month, depending on the school. Nowadays, the average tuition is about $150 per month for 2-3 classes per week.Tuition isn’t the only cost to consider. You will eventually be investing in training equipment, to some extent. Keep in mind that some styles require more equipment.While price is important, a common mistake is to compare price without comparing value.Consider the previous steps and the benefits before you focus on price. This way you can place some sort of dollar value on each component of a school and then shop around.Think of the convenience of schedule and location, the suitability of teaching style, class dynamic and level of instruction in relation to your personality and goals – can you put a price on that?With the knowledge you gained by reading this guide, you can make an educated choice in “how to invest” in your training instead of “being sold” a membership.Most schools require annual contracts. The contract should clearly explain the details of your membership. Generally, schools don’t offer any refunds on tuition.In most cases, a school will agree to make reasonable changes to the contract if you ask them.If you’re committed to your practice and have found a school following this guide, signing a contract is usually not an issue. However, knowing potential costs and understanding school policies will help you negotiate any changes, if necessary. What you’re really after is “peace of mind”, isn’t it?A contract should be mutually beneficial, so you want to insure that the contract also benefits you. This can mean discounted rates, as an example. A contract is also an incentive for you to get your money’s worth by coming to class regularly.Ask about:Price incentives for paying in full
Discounts for family members
Training equipment – and if they have to be purchased directly from the school
Belt testing fees
Any federation or association member fees
Cost for programs such as Black Belt Clubs and any other mandatory programs
Membership freezes in case of travel, injury, or maternity
Policy for relocation or moving
Fees for early cancellationIt’s also a good idea to ask whether the billing is managed directly by the school or if they use a billing company. Many schools use a billing company to help manage your tuition payments.If the school out-sources their billing, you will be dealing with the billing company for the payment of your tuition fees. The billing company will generally only contact you if you are late on your payment. If you ever have to deal with the billing company you can expect the type of service you get from a collection agency. They can also make negative reports on your credit.A high-quality school has the confidence to earn your business without requiring a contract. But they are rare. These schools are clear about their role. They focus on their core responsibility of providing quality instruction and guidance in your martial arts practice. Schools of this caliber don’t need to use creative sales and marketing techniques. Their business is built by their reputation, word-of-mouth.10. INSTINCT:Pay attention to your intuition when visiting a school. While going through the 10 steps outlined in this guide, you’ll instinctively know when you’ve found the right school.How long the school has been in business? Are they stable?
Are you confident in the instructor?
Do you like the instructor’s teaching style and personality?
Are the students friendly?
Did you have fun? Did you feel inspired?Ultimately, we make decisions based on our emotions and we justify them with logic. Your decision should be instant and definite. If you find yourself thinking too much or having to convince yourself, something is out of whack. Go back to step 1 or keep looking.

Private Banking Services Vs Retail Banking

September 24, 2016

Private banking is a much more personalized banking service given to individuals who invest substantial sums, typically over U$S1M. The most noticeable difference between retail and private banking services are that private clients receive customer service on a 1-1 basis via a relationship manager or a private banker. Wealthy individuals with private accounts can expect to meet their bank contact in person, and have direct phone access to a relationship manager. Usually the private banking arm of a bank is separate from the retail banking arm and the service is completely distinct.A private bank is one that is not incorporated. Private banks are favoured by conservative investors because the directors are personally liable, and more likely to be cautious in managing client funds. Financial institutions like these are sometimes family owned and only cater to the very rich. One of the reasons why wealthy people choose them is their confidentiality – a pledge to maintain client records secret. For some it is a case of not wanting to be targeted by criminals, lawsuits or corrupt governments. Others use this secrecy to shield income from authorities like the IRS and evade tax.

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Many of the world’s private banks are found in Switzerland because of the strict bank secrecy laws and sophistication of Swiss financial services. Small banks in countries like Switzerland are also more likely to keep their client records secret because they limit their operations to within the country’s bank secrecy laws.Not only private banks offer private banking services – in fact some of the biggest providers of private banking and wealth management services like UBS, Credit Suisse and the Barclays are not privately owned. Private clients of these huge banks can take advantage of their in-house trading and research departments, and sometimes choose to have almost all their assets managed by the bank. This way they expect much higher returns than those given by a simple savings account or certificate of deposit.Types of Private Banking ServicesUsually only very affluent clients demand wealth management – where private bankers manage an investment portfolio for a family or an individual. The fee for this service varies from bank to bank and is charged yearly as a percentage of the total amount invested. The return of a portfolio will also depend on the standard of the private banking service. While some will provide excellent returns, others will continue to charge high fees while investing client funds in the bank’s own investment funds, regardless of whether or not this is beneficial to the client.

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A popular alternative to wealth management is Self-Directed private banking, where the client manages his own portfolio, at times calling on advice from the bank. The advantages of this type of account are lower fees and greater personal control.Inheritance and tax planning are extra private banking services provided either directly or by referral for an extra fee.

Lifesaving Safety Tips For Water Sports Enthusiasts

September 2, 2016

Tips to Insure a Safe Fun Time with Water Sports and Boats!Water sports are very popular amongst athletes and non-athletes alike especially in the hot days of summer. After all, any of the water sports is an excellent way to keep cool and look cool, stay active and tanned as well as get your exercise and its health benefits.However, water sports can be dangerous, too. Reports of drowning and other water-related accidents worry us and yet we still fail to adopt certain safety guidelines to avoid becoming the next victims. Well, if you want your family and friends to be safe at all times while engaging in water sports while having fun, it pays to take heed of the following safety tips.Be a Strong SwimmerIn any water sport, it is important to be a strong swimmer. At the very least, you will be able to swim to shore or to avoid moving objects on the water such as boats. Likewise, you must ensure that the other participants in the sports are also strong swimmers not only because it is a competition where the strongest have the highest chances of winning but also because lives are at stake here.

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Wear a Life VestMany drowning deaths in the open seas have been attributed to the failure to wear life vests. Even if you consider yourself a good swimmer, life vests are de rigueur in case you lose consciousness or get tired from floating on your own. And remember that not just any toy flotation device will do for the purpose.Learn CPRDo not rely on the lifeguards and other medical personnel to come on time to save the life of a family member or a friend. YOU must learn how to administer CPR at the soonest possible time because mere seconds can mean the difference between life and death.Your local college, hospital and Red Cross branch offer CPR classes so take advantage of them.Avoid Alcohol and DrugsAlcohol and drugs will never ever mix with water sports. Both substances have adverse effects on your mind and body, not least of which is slower reaction time, lesser focus and, worst, unconsciousness.If you must take alcohol, do so after the competition is over so that you are in no danger of drowning. Well, of course, you will be in danger of alcohol-related traffic accidents so you are better off staying away from it. Stay in Designated AreasOf course, one of the thrills of extreme water sports is facing death in the eyes and living to tell the tale. However, if you want another shot at that heart-pumping move, then do try to stay within the designated area of the competition.

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For individuals who are swimming in the open seas, this tip is very important especially when strong currents and waves are present.Know the Safety Rules of the SportEach sport has its own safety guidelines and equipment. It pays to become familiar with them and then take heed.

For example, if your sport says that you have wear shoes and a helmet like wake skating, then do so. Better yet, you should undergo sufficient training before hitting the competition circuit.
Indeed, water sports accidents, injuries and deaths can be significantly reduced if only we know how to engage in them as safely as possible.

Benefitting Health With a PhD in Health Education

October 19, 2016

Imagine this real case scenario: In Africa, many people die daily due to malaria. This can be avoided by the use of mosquito netting, which protects the malaria-carrying mosquitoes from biting them. However, people are still ignorant and uneducated about how these nets can save their lives, and go on living without them.Now, picture this: If the people in Africa were educated from young about the dangers of these deadly insects, they would take precautions to save themselves. If, with that knowledge, they also knew that mosquito netting can reduce the number of incidences, many would be alive today.

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As the examples given, the education of living healthily is extremely important. Even without such an extreme case, health education helps us maintain a healthy life. Health education refers to learning about how health can be promoted, restored, and maintained. ‘Health’ does not only refer to the physiological aspect; it also includes the psychological and spiritual aspects.A profession in this field is where one educates others about health and wellness. Being in this profession demands a big heart and dedication towards helping others live a good life. While many might come in as volunteers, having a PhD equips you with the proper knowledge and credentials to educate others on health and wellness. You will also be able to conduct researches, formulate, implement, and evaluate health interventions, one like the mosquito netting example. Of course, this would mean that you would continuously be monitoring and correcting interventions so that society will be more aware of their health, which on the long-term is beneficial to our future grandchildren as they would have known how to live healthily.

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Lastly, with a PhD in Health Education, you are also able to advance your career in the field of health education. This field is never outdated as our society is constantly seeking methods to improve their lives and well being. At the same time, you are also able to discover ways to improve your own mental, physical and spiritual health.

The Basics of Direct Mail Lists

October 17, 2016

Direct mail lists provide opportunities for businesses to acquire, retain and create loyal customers. Yet which lists are typically the best performing lists? How do you go about finding mailing lists? And once you’ve found a list, how do you know if your investment paid off?Direct Mail List BasicsDirect mail lists generally fall into three categories:
Company owned lists: These are direct mail (or email) lists that you’ve created on your own. Many online business include an opt-in box on their website so that customers and visitors can choose to provide their email address in exchange for information, news, white papers and other gifts. Companies can also create their own “house lists” as such lists are called by using records of previous purchases and leads to create a basic mailing list. For direct mail, you can use physical addresses without tacit permission. For email marketing, always use an opt-in method and only conduct permission-based marketing to avoid getting branded as a spammer.
Response lists: Response lists are rented by companies that specialize in mailing lists, called list brokers. Such a list is based on past purchasing or response behavior and may include catalog mailing lists, direct mail or direct television buyers, or magazine subscribers. Many companies make money by renting their list out to other companies. The idea behind using such a list is that past purchasing behavior is the best indicator of future purchasing behavior. In other words, if someone responded to a direct TV ad for jewelry, chances are better that they’ll respond to another offer for jewelry. List brokers often add additional selections for an extra fee, such as 3 month buyers. This allows you to target people who have recently bought such an item. Again, based on years of data from many industries, these are people most likely to respond again to similar offers, which is why direct marketers seek out such lists.
Compiled lists: Compiled lists are created or compiled from public records. Such lists used to be based on DMV records but now are mainly typed into computers directly from telephone books. Sometimes public data such as census data is appended to the list, providing some ability to sort by income and other factors from census data. Compiled lists are the least expensive but also the least likely to respond to specific offers. Going back to the jewelry example, you may rent a compiled list of people living in a high income zip code, thinking that they are likely to buy jewelry from a direct mail order catalog. But you have no way of knowing from the compiled list if such people are comfortable shopping online, by phone or from a catalog. A response list indicates that in the past, such consumers have done so – and are more likely to do so again.

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There are general list brokers who offer a wide range of mailing lists and specialist such as Market Data Retrieval that focus solely on industry, such as education in the MDR example. Ask colleagues for the best list brokers in your industry.Renting Mailing ListsOnce you’ve found a company offering lists, search their catalog or talk to a list broker on the phone. Share your ideal client profile; who are you targeting? The list brokers will suggest several lists and email or fax you data cards. Such cards provide the facts about the list: who is renting it, whether it is compiled or response, and data selects available. Data selects are optional methods to use a computer to narrow down the most likely prospects to respond to your offer. Select may include age, gender, products purchased, or recent shopping behavior.Lists have a base cost per thousand. Typically list companies will not rent fewer than 10,000 records, so take the cost per thousand records, multiple that by 10, and that gives you the minimum amount of money you will have to spend on a list. There may be additional charges added on for various selections or to actually generate the list from the computer.Make sure that the list has been updated recently. Good list companies run their lists through several databases obtained from the Direct Marketing Association and the US Post Office. These include removing the names of deceased persons, updating lists with the new addresses of people who have moved, and suppressing (removing) people who have requested to be on the “Do Not Mail” list or preference list from the Direct Marketing Association. All of this may add costs at the beginning of a list rental process, but think about the money wasted mailing pieces to people who cannot respond. If they’ve moved, died, or hate junk mail, why mail to them in the first place? You’re spending money on the creative design, the printing, the mailing house costs and postage, so save the money and don’t mail to those people.Testing and Use of Direct Mail ListsAlthough the minimum amount of names on n a typical direct mail list rental is around 5,000 to 10,000 names, many companies will allow you to rent a smaller segment for testing. Be sure to code your direct mail pieces with a unique phone number, source code or another method to track responses so you can see which list performed the best.

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Mailing lists are rented for one time use or multiple, unlimited uses. You’ll be asked up front to specify which use you intend and most companies ask for a sample mail piece. One of the most frequently asked questions people new to direct mail ask me is, “Why can’t I just pay for one time use and then reuse the list, since most lists are provided electronically nowadays?” The answer is simple: you will be caught! Mailing list companies include addresses called “seeds” on their list which look to you and me like just any other name on the list, but actually go back to the company or to someone employed by the company to monitor the list. If you’re caught using a mailing list more times than you paid for it, you are subject to legal prosecution, fines or both. It’s not pretty. Don’t do it.Direct Mail in Today’s MarketDirect mail has been around since the late 1800′s when catalogs opened a world of new goods to rural Americans. Although a large number of consumers have moved their shopping online, many still prefer to look at an old-fashioned catalog before buying. Direct mail can entice and invite consumers to visit a website to order. A good mix of old-fashioned direct mail marketing, postcard marketing, and a robust website with search engine optimization techniques in mind is a winning combination to acquire, retain and create loyal customers – and make money in the process.Get Marketing Help – Fast

Why Personal Finance Software Is Important

October 4, 2016

Why personal finance software is important These days, technology has really revolutionized people’s way of life, including their financial life. Back in the day, most people used a pen and paper to document their earnings, spending, and finances.What is personal finance software?Home finance software refers to a financial tool that enables you to prepare a budget, track your expenses, and check your overall finances. These days, there is no valid reason why you should be disorganized and mired in debt because there are many good personal finance programs that you can use to keep track of your money, plan your future, and completely control your finances. If you have a PC or laptop, you are lucky because you can easily find good home finance software at little cost. Application programmers have now catered for the high demand for these applications as they now come with all sorts of functions and capabilities that can save your money, time and effort.

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AnalysisYou can now analyze your finances unaided. However, this kind of analysis can be much easier if you have some accounting background. Finance software will analyze your important financial details. Details such as your monthly expenses will stick out. Many personal finance applications also allow personalization. If there is one particular aspect you want to know about your finances, you can simply create a specialized analysis. Many personal finance programs can also give you a monthly analysis-an excellent way to see how you actually spend your money on a monthly basis.Budget creationWe all know the importance of a personal budget. But creating a real budget that you’ll stick to is easier said than done. You can find a personal finance application that creates a realistic budget for you. Simply enter your basic information into the software and quickly create a simple budget.Checkbook balances and bill paymentsSometimes you’ll fail to pay bills on time. When it happens, interest rates are more than likely to shoot up. Fortunately, you can avoid this mistake once and for all. Look for a personal finance application that’ll remind you when to pay your bills. Likewise, you can accomplish balancing your checkbook by just ticking a box. Sum up any amounts withdrawn from your account and check carefully anything that seems suspicious. Once you have everything on record, it becomes much easier to know how your finances are faring.

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Trust yourself and no one elseWhen it comes to finances, it is best to keep track of all you have carefully. You may trust your finances with your financial adviser, but it is still important to know where every cent is at, always. With a personal finance application, your money will never be far away from you. Whether you are paying bills, balancing your checkbook, tracking your paycheck, or creating a personal budget, you should not live without personal finance software.

Sedation Dentistry: It’s Important to Understand Different Types of It

October 9, 2016

One of the biggest reasons for people to avoid any visit to a dental clinic is the fear of the equipment. Now let me tell you something – The dental professional which you will choose is qualified enough and has years of experience. They will never perform any procedure (surgical or non-surgical) without any precaution. So for the purpose of surgical procedure dentistry has a new development called sedation dentistry. The information present in this article is for you to understand that sedation dentistry is safe and really important.Honestly you must not have heard much about sedation dentistry but it has been in existence since a really long time. There is one sedation dentistry technique which is being since 1840s till date. In this technique your dentist will use Nitrous Oxide popularly known as laughing gas. Furthermore the use of ether in general sedation was introduced in the dentistry vertical by a Welsh Student.

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Sedation Dentistry is apt for those patients who have the tendency of feeling anxiety when they have to undergo a dental treatment. Sedative can be used for any sort of dental treatment whether it is surgical or simply tooth whitening and cleaning. So basically sedation dentistry helps a patient to relax and feel nothing while undergoing a dental treatment. At times this procedure is referred to as sleep dentistry however the fact is that even though sedatives are applied patients are still awake.Sedation Dentistry involves four levels:• Minimal: Where-in the patient is awake but is completely relaxed.
• Moderate: You won’t remember every detail and step of the procedure but you might speak in a dizzy tone.
• Deep: Not completely awake and not completely unconscious.
• General: You will be completely unconscious.This form of dentistry is categorized into four types. These types have been mentioned below:• Inhaled minimal: Here you will be breathing in laughing gas or Nitrous oxide. The gas is inhaled in combination with oxygen through a mask. It helps in relaxing your entire body and nerves.• Oral: You will be given a pill an hour before the procedure will start. The sedation can range from minimal to moderate depending upon the total dose. The effect will be that you will feel drowsy but will still be awake. You might even sleep but can be awaken by a little shake.• IV moderate: You will receive this sedation through a vein. The effect is quick.• Deep: This will make your body completely unconscious. You won’t wake up unless the effect of sedative subsides.Apart from all these sedatives that are being used you will also receive a local anesthesia. This will help in numbing the area where your dentist will perform the procedure.

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As mentioned before sedation dentistry is best for those who anxiety problem. This problem prevents them patients from visiting the dental clinic. The other reasons why sedation dentistry is best for you are:• You cannot tolerate pain
• You can’t sit at the dentist’s chair
• Tooth Sensitivity
• You gag too soon
• Some major dental problems to be fixed in terms of surgery.You need to tell your dental professional that you suffer from any of the above listed problems. After gauging the dental problem he/she will then decide whether you will undergo sedation dentistry or not. They will also decide the type of sedation which is right for you.There is no harm in looking into sedation dentistry. You must know that a dentist who is performing this procedure is someone who understands your problem and is ready to work with you.

Budget Travel and Hotel Considerations – Travel Industry Making Changes To Compete For Consumers

October 20, 2016

If you are like most Americans, you having difficulty saving money while prices are rapidly increasing; things like college tuition, food and fuel. So, when it comes to traveling you are looking to shave off costs and find ways to travel on a budget, and well, no one can blame you for that. What you may not be aware of or have not considered is that in the travel business; everything from airlines and rent-a-cars to tourist destinations and hotels are trying to find better ways to accommodate the budget traveler.

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For instance, many airlines have had their fuel prices boosted to record costs and many family budget and business travel hotels are making changes in management and in their operations. Recently, Choice Hotels named a new COO and President; Stephen P. Joyce, 48. Additionally they named a new Executive VP of Global Branding. Why, because they know that they must hold their American clientele and find ways to cut costs, while still attracting their overseas travelers who are paying in high valued currencies.There are many ways to cut costs in traveling and staying on a budget and hotels, rental car agencies and airlines are working very hard to compete for fewer travelers with fewer dollars, while still retaining a profit. Easier said than done, especially when jet fuel has almost tripled in cost since 2000 and recently the number of families traveling on vacation is being cut by a good 35% this summer, all due to cash strapped consumers, credit crisis and outrageous fuel costs. Airline Industry analysts are predicting one or maybe two major airlines filing bankruptcy in 2009 and some hotel chains have pulled back construction of new hotels in many locations.

Free Internet Marketing Software Keyword Generator

October 1, 2016

As you begin your search for new free internet marketing software and free keyword generator programs there are certain things that you must do to maximize your efforts. Remember that time is your most valuable commodity as an internet marketer and simply put we as marketers do not have time to waste looking at, reading about and testing new software programs that offer the following;1.) Trial Use2.) Limited Use3.) Timed Use4.) Demo Only5.) Light VersionI’m sure that from time to time you will find a truly wonderful program that defies all of the odds, but let’s look at this from a practical point of view here. How much time was spent getting to the point where you found that software program? Was it really worth all the hassles? More often than not I’m sure that you’ll agree that it would be better if you could simply find a website that reviewed these so called “free internet marketing software programs” and “free keyword generators”. And of course finding such a site that also offered a blog or forum for viewer comments would be even better.To prove this let’s do a brief study on free internet marketing software and high quality free keyword generators. For the sake of argument let’s run a search on Google for a “free keyword generator”.Case Study #1:Free Keyword List Generator by Stomper Net – My first thoughts were WOW another GREAT free or low cost promotional tool being offered by Stomper Net! Then I realized that I had to sign up for their email list AGAIN and register to use the tool. Once I’d jumped through these initial proverbial hoops I was shocked to find that I’d overlooked the fact that this software uses Word Tracker Keywords.

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This means that my software would need to be upgraded to unlock it’s full potential, which of course would cost money. Worse than that I might need to sign up for the Word Tracker Keywords program and that means I could possibly end up paying for a monthly or annual subscription to their service.* Before I offend anyone I do realize that Stomper Net and the Word Tracker Keyword program are both well respected staples in the internet marketing niche. However, in this case it is my goal to help people find completely FREE full version internet marketing software and keyword generator software that they can use to promote their products, services and affiliate programs with.Case Study #2:Good Keywords – At first site their website looks very well organized and professional. They offer free full version keyword research tools and keyword generator software that looks like it will do exactly what we’ve all be looking for. At one time this may have been a state of the art program back when Yahoo’s Overture worked reliably on a consistent basis.The problem with this free internet marketing software group is that it is completely reliant on a program that is so over used that the mere traffic to the Yahoo Overture website alone bogs down their system so badly that you’re lucky if you can even get their website pages to load from one visit to the next.* Also sadly in this internet marketer’s humble opinion the results that are pulled with the free Yahoo Overture tool has proven to be unreliable and unstable at best. Again, I don’t mean to offend anyone and I’m sure that at one time this was a GREAT program, but there are newer and better things.Case Study #3:Global Promoter – The first thing I noticed on their website was this;”Please be patient. This may take up to 2 minutes because it compiles the results of 6 major search engines. Sometimes no results are returned even though there are queries performed on the keywords you typed in during the given month. If this occurs, just hit submit again until the correct results are returned.”In theory this looks GREAT if they’re really using this free internet marketing software program, or in this case, free keyword generator software, to search on SIX major search engines! However, what I found next really bothered me.
“No Searches Done in March 2008 on the Overture network of search engines for your keyword.”This only left me thinking that there I was again using a program that was completely reliant on Yahoo’s Overture, which again in my humble opinion was outdated, unreliable and inconsistent.Case Study #4:Google AdWords Free Keyword Generator Tool – With this free internet marketing software program I thought that I’d finally struck oil. After all no website is more revered, searched and used online for things of this nature than the mighty Google themselves! With that in mind I typed in my favorite set of keyword search terms;”free internet marketing software”Unfortunately the results that were returned consisted of 3 targeted keyword phrases and 11 other keyword phrases that had NOTHING to do with any form of internet marketing software.Case Study #5:Traffic Zap’s Free Keyword Generator – Let me cut this one short by telling you that when I tried to use it the first thing I got was a POP UP with something that looked mildly semi-pornographic. It then appeared to be processing for some time only to return an error message that once again leads back to problems that we’ve already discussed regarding the long list of free internet marketing software programs that rely on Yahoo’s Overture.

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At this point we’ve researched ALL of the top 5 unique listings on Google for “free keyword generator” and we have yet to find a truly reliable free internet marketing software program that we can use to promote our products, services or affiliate marketing programs…..other than ones that we would most likely have to PAY to upgrade, such as the program by Stomper Net mentioned above.Final Case Study:Free Keyword Generator by IM Software 4 Free – This program checks for a list of popular keywords by searching on Google, Yahoo and MSN combined to come up with a more complete starting point for internet marketers to use. It also runs a search on these 3 major search engines to find out how many competitor posts show up for each of the chosen keywords.While no free internet marketing software or free keyword generator is going to be perfect this tool is truly a GREAT program to use and best of all it’s completely FREE to download and use. There is no trial use, limited use, timed use, demo or light version that leads to a paid upgrade or leaves you out hanging in the wind to PAY if you want to use the software after a specific time frame.