Tuesday, November 6, 2012

The Rigorous Training of Dentists

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The miracle that is sedation dentistry emerged upon the scene in the 1960s, with the first known drug to be used in the process being valium. The reason for using valium, of course, is the amnesic properties it is commonly known to have. The ability to forget your time in the dental chair is one that is looked upon with much hope, but at the same time, much skepticism. While the need for a way to qualm the fears millions of dental patients have of going under the dental drill, there was also a need to know that their dentist was trained in the art of oral sedation.

    1. The Rigorous Training of Dentists - Not only does a dentist need to attend a rigorous, multi-day seminar to become a DOCS (Dental Organization for Conscious Sedation) certified dentist, but every time they come in contact with a client who could benefit from oral sedation dentistry they are required to follow rigid guidelines for the use of dental sedation. These training and guidelines assure dentist follow strict protocols, much like anesthesiologists follow in hospitals.
    1. Dentists are required to:
    • Learn how to properly asses patients upon request of dental sedation
    • Understand basic pharmacology (how to use and determine the effects of drugs)
    • Fully understand the tenets of airway management
    • Be prepared in any emergency situation

    1. This training and the guidelines associated are very strict, but your preferred dentist is always concerned about the well being of their patients, and are dedicated in making each visit as comfortable as possible.


  • The Thorough Screening Process - As stated previously, dentists are required to asses patients upon request of oral sedation dentistry. With over 10 million Americans avoiding dental visits due to anxiety, here are some ways dentists assess oral sedation candidates:
    • Evaluating the full medical history of a candidate
    • Determine the pain threshold of a patient (lower pain threshold clients are more likely to qualify)
    • Ability to sit still in a dentist's chair
    • The amount of dental work that needs to be done
    • Gag reflex and sensitivity of teeth


  • The Different Levels of Sedation - The good news is that there are different levels of sedation for individuals who don't always like going completely under. These levels of sedation are:
    • Minimal - awake, but completely relaxed.
    • Moderate - most of the procedure will be a blur and some words may be slurred when speaking.
    • Deep sedation - on the edge of consciousness, but still can be brought back to awake easily.
    • General anesthesia - unconscious.

  • With a well qualified sedation dentist, and so many different types of sedation to choose from, those who previously suffered dental anxiety have very little to fear from hereon out.
    Photo credited to: WorldDental.org

    Wednesday, June 27, 2012

    Is Insurance Continuing Education Really Necessary?

    Is Insurance Continuing Education Really Necessary?The insurance and financial industry is a very highly regulated industry. The state legislature controls all of the power. They grant licenses and revoke them at will. They set all of the standards for the licensing exams and continuing education requirements. For instance, The Florida Department of Insurance oversees insurance agents, adjusters, title agents, and financial advisors to name a few. The FDI regulates these professions very closely and watches over their agents like a hawk in the sky. Their job is to limit insurance fraud and make sure their agents are following the rules and abiding by the law. In this article we are going to talk about the insurance industry and their continuing education requirements.
    Insurance agents have a lot of responsibility to their clients and the companies they represent. There are a lot of independent brokers selling insurance. They are able to sell insurance for multiple insurance carriers and are not captive to just one company. Many of these agents have had their license for a number of years. Without insurance continuing education they would probably not be up to date on new products available or rules and regulations that have changed over the years. They would be doing their clients a huge disservice. In order to protect themselves many states require any licensed agent to have Error and Omissions Insurance. This will help prevent any personal loss if the agent is ever sued by a client or insurance company.
    Continuing insurance education is mandatory in every state and meant to help the agent stay in compliance with state law. Continuing education also enables them to serve their clients as best as they can. They can offer their clients the latest products and services available and help fit their individual needs. Clients are happy because they know their agent knows what they are talking about when they are giving them advice. The insurance companies are happy because the insurance agent is acting ethically and making the right decisions. Everyone wins when the agent completes their required continuing education training. Courses can be done online or in a classroom and usually do not take more than a couple of hours. Check with your state or an approved provider for a list of required courses and your compliance deadline. Try not to be late or the Department of Insurance can suspend or even revoke your license. That is of course the worst case scenario.

    Monday, June 25, 2012

    The Importance of Continuing Education

    The Importance of Continuing EducationWhile these 23 million individuals represent the very core of an emerging society that is more inclined to studying and learning, the remaining individuals are excluded from these learning experiences due to reasons of time, cost, or even personal issues.
    Over the last few years, the number of adults who are continuing with their education has increased tremendously. This term "continuing education" describes the opportunity and process of learning new skills and acquiring knowledge that is far superior to what we are taught during our formal schooling years.
    Most people opt for continued education to further their knowledge base and even their employability.
    Continuing Education vs. Traditional
    Usually, what we learn in all of those long, arduous years of our formal schooling are just basic skills that are good enough to help us start working, but not good enough to take us further in our careers, especially with the rapid changes and advancements in technology that demands for a more sophisticated and educated workforce.
    Students who participate in continuing their education are generally working professionals who seek to further advance and promote their intellectual capabilities while still working. Since their time is divided between studies and full-time work, they have to be extremely motivated in order to succeed. One of the biggest characteristics that distinguish students who are participating in continuing education is their tendency to relate the lessons that they learn in class to their work experience.
    Instructors must have the proper and appropriate practical experience and knowledge in order to address the issues and concerns of these special students. Students involved in continuing education can be very selective when it comes to choosing their courses. The courses that they choose have to be in some way relevant to their work and should be able to benefit them. If the right course is chosen, it can benefit you a great deal both educationally and professionally.
    More and more adults are now engaged in continuing education that leads to formal qualifications that provide them with the adequate knowledge pertaining to a certain area of study. Furthermore, continuing education also provides us with a certain pride of accomplishment as we take our courses.
    Offering an affordable, faster, and definitely more focused means of acquiring career or personal objectives, continuing education credentials can be put on resumes and presented anywhere as evidence of the individual's professional studies.
    The Importance of 'Continuing Education' in the Workplace
    A skilled workforce will always result in increased economic productivity. Here is how continuing education benefits the working force:
    o A more skilled workforce is always more productive - These days, skills and education are seen as the most important elements of the employability and income potential of a candidate. Since the economy has shifted to one that values an educated workforce more than an uneducated workforce, employers are now seeking both educated and skilled workers. The demand for continuing education has thus increased twofold.
    o Continuing education helps employers retain better employees while remaining as competitive as ever - A more educated employee will always be more productive, so companies have now started hiring employees who are continuing with their education. Continuing education can be seen as a way to retain the better, more educated employees.
    With the rapid advancement of the information technology sector, continuing education will not be confined to only physical space. Distance learning through interactive media will form a major part of continuing education. The internet will also play a huge role in delivering the course materials to the students.

    Monday, June 11, 2012

    Why Social Work Continuing Education

    If you just started a job in the field of social work, continuing education might be the furthest consideration from your mind. Perhaps you do not even know why it is necessary for you to take the yearly courses that may be required by your job in order to keep your certification. Many people may not completely understand this field. To some individuals, the people in this field are the bad guys in a manner of speaking. It is true that they often have to carry out difficult tasks that others do not like.
    If you are in this field and have not been in it for long, perhaps you are just getting to the point where you see the broad spectrum of knowledge that you are going to need to handle the cases you run into. At a nursing home, there might be questions of power of attorney with children and their parents. At hospitals there may be questions of the mental state of a patient and whether they should go home to their children. At schools, there may be a student who needs emotional counseling. There are so many scenarios that could possibly come up. You will not likely run into all of these unless you travel to various places for your job, but they are all options for areas where you can increase your knowledge for social work continuing education.
    As the time draws near for you to look into getting in those required hours of social work continuing education for your job, you will want to consider a few things as you look at various institutions. Time will of course be a factor if you work a full-time job. Learning style is another consideration, and you will also want to consider the course topics available at the various locations.
    You may not have time to attend courses at the actual college. It may be out of your comfort zone not to have a teacher right in front of you, but with new technology today it can be almost like they are. You can choose from webinars and online courses that will help you to have more flexibility in your schedule. You may even be able to take reading courses.
    Your learning style should also be something that you take into consideration when pursuing social work continuing education. If you are not an auditory learner then you will definitely want to have a course where you can at least see the teacher on your computer as they teach. If you do well with just listening then you might do fine with some type of mp3 course.
    Choosing the courses that you want to take might be difficult. If you are just doing your courses to get them out of the way then perhaps it will not seem a difficult choice, but you really should take the opportunity for expanded learning seriously. Look for an institution that offers courses in areas that you believe you need the expanded knowledge.

    Tuesday, May 29, 2012

    Continuing Education - Is It Worth the Investment?

    There are many factors students consider when going back to school. Affordability is often on top of their list. Many try to determine the risk V. reward. Is a $30,000 master's degree worth it? Will I get a promotion or land a better job? It is recommended to look at where you are in your career, where you want to be, and how many more years you will be in the workforce. We will give you a couple of examples and help you decide what the individual should do.
    John Smith is 35 years old, married with two children. He is currently working as a team leader for Nike. John has a bachelor's degree from University of Phoenix and he is considering going back to school for an MBA in Project Management. Nike is a very large company and they are constantly hiring and offering their employees advancement opportunities. Taking all of this into consideration, an advanced degree should certainly benefit John. He has about 30 years left in his career and has a lot of growth potential in his current company. An MBA could help him move into a more managerial or director type role.
    Mary Moore has a little bit of a different situation. She is 52 years old and COO of Unique Printers. It is a smaller company and she reports directly to the President. She is looking at multiple programs online. She is considering investing $42,000 for her Master's in Human Resources. Mary has been working 35 years now and wants to retire at the age of 60. Due to her circumstances, we would probably not recommend Mary to continue her education at this time. There is little to no room for advancement and she will only be working another eight years.
    As you can see, everyone thinking about going back to school has a different situation. Some are harder than others. Again, it goes back to the risk V. reward. One thing that may sway your decision is if your employer will help fund your education. In the previous example, if the President was willing to pay Mary's tuition then she would really have to think it over. It would be very tough to turn town a free education. Employers do this often to show how they are investing in their employees. They hope the employee grows in their role and stays committed to their company. The only drawback is if the employee decides to leave for a better opportunity.

    Monday, May 14, 2012

    Continuing Education Courses for Everyone

    Education is one of, if not the most valuable attributes an individual can have. With education someone is able to solve problems, sell products, analyze data, and much more. There are many different types of continuing education available. There is industry specific continuing education. This type of education is usually required by the state and enforced by state legislature. Some common forms of continuing education are continuing legal education (for lawyers), insurance continuing education (for insurance agents), real estate continuing education (for realtors) and adjuster continuing education (for public and insurance adjusters). These are just a few of the regulated professions out there. Most of these professionals do their continuing education either online or in a classroom to meet their compliance deadline.
    Another type of continuing education is for individuals who want to go back to school to enhance their resume, change career fields or move up in their current company. Formal education at a college or University is one of the most widely used resources for everyone. College classes used to be done on campus, but now with technology changing online courses for adults have taken a huge leap. They are now almost as popular as adults continuing their education in a classroom. Many students complete a bachelor's degree then work full-time for 15-20 years. They then find out they need higher education to continue to advance their career. This is where online education comes into play. Adults are able to balance their career, school, and their families at the same time. With the economy changing, other online students decide to go back to school for a complete career change. The healthcare industry for example has been booming. So a Master's in Healthcare Management has been a popular degree choice over the past five years.
    Adults are not the only ones utilizing online courses. Many 18-25 year old students also pursue online education. Many feel online education is more flexible and easier to do. They also like the fact they are learning the same material whether in a classroom or online. This was a major issue some time ago. Employers perceived online education as a "discounted" degree and only hired graduates from a campus based institution. Times have definitely changed! Now, large Universities such as Penn State, Drexler, and even Harvard offer online classes and online degree programs. These larger accredited institutions have really helped change the perception of an online degree.

    Monday, May 7, 2012

    Adjuster Continuing Education

    Insurance adjusters have many roles and obligations to serve the public and their company. Their main purpose is to investigate, evaluate, and settle insurance claims. There are many different industries an adjuster can work for. They must be knowledgeable in what their specific company insures. The three most popular items an adjuster assesses damage on are homes, automobiles, and office buildings. They usually just specialize in one or the other. Adjuster continuing education keeps adjuster professionals up to date on different laws and regulations that pass in their specific state or in their specific industry. One of the most popular courses is ethics for the adjuster. Ethics is important in every industry but may be one of the most important attributes to a successful adjuster. Another popular course is adjuster case law. It covers all of the rules and regulations an adjuster must abide by. State laws change every so often so it is important to stay up to date on them.
    An adjuster has a couple of different options when completing their educational training. They can do it online or in a classroom. Online is typically the preferred method. Online adjuster courses are usually inexpensive and can be completed within a couple of hours. It saves the insurance adjuster time and money. If the agent decides to sit in a classroom they have to listen to an instructor for however many hours the course is worth. So if it is a three credit hour class, the agent will sit for a three hour lecture. The good thing is there is no final exam after the lecture. The agent can just sign an affidavit saying they attended. These classes are still popular today because agents can network with other adjusters and avoid taking any exams.
    Every state has different rules and regulations when it comes to insurance adjuster continuing education. Florida for instance requires 24 hours every two years. Florida adjusters also have specific courses they must take depending on what type of license they hold. If you have any questions on what classes to take make sure to contact an approved provider so they can go over exactly what you need to meet your state's requirements. They will be able to assist you over the phone. An approved provider can also help you choose the correct adjuster continuing education credits you need to fulfill all of your obligations. Make sure to complete all of your adjuster continuing education hours by your compliance deadline to avoid any fines.

    Sunday, April 15, 2012

    Online Continuing Education Classes Explained

    Hundreds of thousands of teenagers, adults, and professionals are going back to school to further their education. Many of them are choosing online classes and online degree programs. Not every course or program is the same, but many of them have similar characteristics. Whether you are a professional completing your required continuing education training or a student looking to complete a master's degree online; there is a program available for you. Today we are going to talk about what to expect in an online course and how they can benefit you.
    Most professionals have to complete a certain amount of continuing education every 1-2 years. Online classes are very popular for full-time working adults. They are easier to complete and very flexible. Depending on the school, asynchronous courses are usually the preferred method of online classes. Asynchronous means the student does not have to be online at a specific time. They can log in and complete their work whenever they want. Industries including insurance, legal, nursing, and real estate, all require continuing education classes. You can log in, read the textbooks, and then take an exam. That is your typical course when it comes to completing your education online.
    An online class at a college or University can be very different. There is usually much more involved in their courses. There will usually be a professor and sometimes even a facilitator conducting the course. There is usually a lot of interaction between the professor and the students in an online course. Support is very important for online students to succeed. Also, in an online college course you will get a syllabus and due dates for your assignments. These courses may be asynchronous or not. If they are not, you will have to log in for live chats with your classmates throughout the week. These can actually be very beneficial even though they seem like an inconvenience. In a live chat you can network with your other classmates and also ask the professor questions. It is easier than sending an email and having to wait for a reply.
    As you can see there are different formats in online courses but they are all typically more flexible and more convenient than sitting in a classroom. If you have any questions you can always contact your state or the department of education for more information. They are a great resource for potential students.

    Sunday, April 8, 2012

    Online Continuing Education - Is It Right for You?

    There are many reasons students choose to continue their education online. But, is it right for everyone? Research says no. Not everyone can handle online courses. Some individuals need to be sitting in a classroom to succeed. There are many factors to consider when you are deciding what program to choose. Many professions require continuing education to be done online for many reasons. They feel you receive the same education online as if you were sitting in a classroom. For the most part the content the student is learning is the same whether they complete the course online or in a classroom. In this article we will talk about some different characteristics of online courses and classroom courses so you can better decide what the best option is for you.
    First, let's start with some pros and cons of taking a course in a classroom. One of the major benefits is the interaction you have with your professor/instructor and your fellow classmates. The majority of students really appreciate this because they can bounce ideas off of each other and participate in a live lecture. They are also able to ask the instructor questions and receive an immediate response. A major con to sitting in a classroom is having to drive to the physical location and sit in a lecture/seminar for a specific amount of time. This eliminates the flexibility and convenience that an online course offers.
    Now, let's talk about online continuing education courses. A major con to taking courses online is there is typically no live interaction with any of the other students or the professor. This can be a huge downside if you are having trouble in one of the courses. You have to rely strictly on email and sometimes that is just not enough. Hopefully your instructor is available via telephone or live chat so they can walk you through the problem. On the upside, online courses can be completed from the comfort of your home or office at anytime during the day. Many professionals and adult learners really appreciate this since their schedules are typically slammed.
    As you can see, there are some positive and negative characteristics when taking online courses. You have to weigh the pros and cons to decide what the best method is for you. Also, consider the course content and how familiar you are with it. Is it professional continuing education that you know or a completely new subject to you?

    Thursday, March 8, 2012

    The MBA Programs for a Bright Future

    The eras of today seems to be demanding a lot from their people. But this is inevitable considering the fact that the population is not coming to a slow down either. The only way around this is for the people to adapt to the others and mutually provide to secure quid pro quo. One of the most vital is the mba online as the economy has a staggering amount of influence not only for the society, but for the nation, and as we have entered the globalization era, the world with all its greatness. Gou can start to imagine how your contribution can donate strength to the field from now!

    If you can, then you are already a step ahead. The msn programs are designed for independent students like you who have what it takes and is willing to bring about their ideas into form. This kind of initiative is what the society needs and it is right here where you find the key actors to make these wanted change happen. The university has been well known for this and prides each and every single one of their students with all their hearts. The program is one of the best in the area of economy until now.

    As time has passed, the needs for people to pursuit a great amount of things at the same time had made time a valuable matter. The online marketing mba wishes to provide you with that chance but without a single compromise of quality. What does this imply you may wonder? The curriculums will run based in the schedule that you submit, hence here, the main actor is you yourself. The duration o the classes are usually longer and may range to five years if issues come along the way, but it is the promise of the degree that will keep you going!


    Tuesday, February 28, 2012

    Choosing Optometric Continuing Education Can Be Very Helpful

    Before going for optometric continuing education, fist of all the school or institute should be selected and the application requirements should examined. After that the budget of the course should be examined before completing the coursework. Now, after completing these requirements you are ready to take the course which is designed to offer you the appropriate training to be an expert Optometric.
    Optometric CE courses are very popular these days at the demand of Optometric doctors are increasing day by day. The Optometrists are specialized in eye care and engaged in the assessment of the eyes to identify problems such as myopia and hyper myopia, among a lot of others. They treat the patients and prescribe medicines or suggest wear glasses or contact lenses for rectification and maybe if it is serious vision therapy are also suggest by them.

    They also check for eye problems like glaucoma, diagnose, diabetes, etc. If your desire is to be optometrists then you have to first complete four-year course from a well-known optometry school. This course includes various categories such as vision therapy, paediatric optometry, geriatric optometry, low-vision rehabilitation, and family practice optometry, refractive and ocular surgery.

    While pursuing optometric ce the optometrists are known as practitioners, who are specialists in various other fields like vision therapy, contact lenses, etc. Some of the optometrists who are also engaged in research practices. It is not that much easy to get into an optometry schools. The students are selected on the basis of their academics and scientific understanding; the Optometry Admission Test. apart from this, clinical training and workshops will organised for the students to learn practically about eye problems, diagnosis and treatments. Many applicants take this exam while they are about a year junior at college due to which they get a higher score later on. Optometry school takes some students after completion of the course in the school only.

    Tuesday, February 21, 2012

    Continuing Education Requirements For A CFP

    Certified Financial Planners are required to complete 30 hours of continuing education during each two-year period. The ending date of each period is the final day of the month that certification renewal for a CFP is due. The CE requirement is effective immediately upon initial certification. The number of CE hours for a newly certified CFP is prorated for an initial certification period of less than two calendar years. Any CE hours in excess of the requirement may not be applied to subsequent reporting periods. CE hours earned for any one program may not be split between two reporting periods.


    In each reporting period, 2 of the required hours must be obtained from a pre-approved program on CFP Board'sCode of Ethics orPractice Standards. No exceptions are made. The remaining 28 hours consist of programs related to any of the accepted subject topics related to investment, tax, insurance, estate, or retirement matters.

    A CFP may complete anonline continuing course.

    Courses offered by colleges and universities (including community colleges) may be accepted if they cover topics listed in the Subject Topics Accepted for CE Credit. Each semester credit equals 15 CE hours and each college quarter credit equals 10 CE hours for a CFP. Therefore, a course having 3 semester credits provides 45 hours of CE. Both credit and non-credit courses may be accepted. For non-credit courses, each 50-minute class session may be counted as one CE hour.


    Programs provided by state and local bar associations, Certified Public Accountant societies, Financial Planning Association chapters, Society of Financial Service Professionals chapters, Association for Investment Management and Research chapters, state boards of accountancy, state insurance commissions, and estate planning councils will be accepted for CE credits, provided topics covered are listed in the CFP Board's Subject Topics Accepted for CE Credit.

    Anincome tax course qualifies for CE credit.

    CE hours from programs registered with CFP Board are reported for a CFP by the CE sponsor. CE programs not registered with CFP Board may be reported online by a CFP with payment of a nonrefundable processing fee to cover the cost of review. CE sponsors are encouraged to register CE programs with CFP Board. The sponsor of a CE course will convey if the program has been registered and the number of CE hours that the CFP Board has granted for the course. A list of registered CE sponsors and programs is available on the CFP Board's Web site. Programs designed to meet CFP Board's two-hour Code of Ethics and/or Practice Standards requirement have additional requirements and must be approved by CFP Board before they will be accepted.


    A CFP should only report programs for CE credit that:


    Address one or more topics listed in CFP Board's Subject Topics Accepted for CE Credit. Contribute to increasing the professional competency of participants. Are developed and conducted by persons qualified in the subject matter and in instructional design. Are current and correct in program content. Provide documentation to the CFP by the sponsors. Last at least 50 minutes.

    An easy method for a CFP to obtaincheap CPE credit is on the Internet from the providers ofonline tax courses to income tax professionals.

    Tuesday, February 14, 2012

    CompTIA Continuing Education Program

    Effective January 1, 2011, all new CompTIA A+, CompTIA Network+ and CompTIA Security+ certifications will be valid for three years from the date the candidate is certified. After three years, the certification must be renewed. This can be done by passing the most current exam for a respective certification or by participating in CompTIA's new continuing education program, which will allow individuals to keep their skills current and their certification up to date without retesting.


     


    The CompTIA Continuing Education (CE) Program has been designed to allow individuals a cost-effective method for keeping certifications current through the completion of variety of activities that demonstrate relevant industry knowledge.


     


    The latest version of the A+ certification is CompTIA A+ 2009 Edition. Two exams are necessary to be certified: CompTIA A+ Essentials, exam 220-701; and CompTIA A+ Practical Application, exam 220-702. The 220-701 exam measures the necessary competencies of an entry-level IT professional with a recommended 500 hours of hands-on experience in the lab or field. It tests for the fundamentals of computer technology, networking and security, as well as the communication skills and professionalism now required of all entry-level IT professionals Additional information about the 220-701 exam can be found on the CompTIA Web site.


     


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    Saturday, February 4, 2012

    Insurance Continuing Education - Flood Insurance Application

    The APPLICATION for flood insurance is, understandably, a little more complicated than some of the other property and casualty policy applications as it covers a specific risk on property that must be identified although the range of buildings and property can run the gamut.  Because of this need to be precise, this form must be completed only in the correct fashion as there is no room for guessing.


    This Application form or a similar form used for WYO companies, must be used for all flood policies except the Preferred Risk Policy.  The NFIP Flood Insurance Application form, or a similar form for WYO companies, must be used for all flood insurance policies except the Preferred Risk Policy.


    The Application form must be completed accurately as it contains the necessary information required by statutory intent and it provides the instructions in respect to the rating of the different building types.

    The Application provides the initial information so that the flood insurance rate can be properly applied to the building, particularly as to whether the building is Post-FIRM construction or Pre-FIRM construction; and provides information as to building occupancy, building type, basement type and elevated building type.

    The flood risk Zone must also be determined as well as the elevation of the building.


    TYPES OF BUILDINGS


    For purposes of the NFIP, distinctions have been made among the following building types:


     


    1. No basement


    - One floor


    - Split level


    - Two or more floors


    1. Unfinished basement


    - Split level


    - Two or more floors


    1. Finished basement


    - Split level


    - Two or more floors


    1.

    Manufactured (mobile) home, including doublewide, or travel trailer, on foundation

    2. Elevated building


    - No enclosure


    - With enclosure (including crawl space)


    An elevated building is a building that has no basement and that has its lowest elevated floor raised above ground level by foundation walls, shear walls, posts, piers, pilings, or columns.


    SCHEDULED BUILDING POLICY

    1. To obtain a Scheduled Building Policy, an Application must be completed for each building and/or contents for which coverage is requested.


    2.  For each scheduled building (building and/or contents coverage); the Federal Policy Fee is .00 per building


    3. All Flood Insurance Application forms must be completed in accordance with all Flood Insurance Manual rules and the Scheduled Building Policy qualifications.


    4. If requesting a Scheduled Building Policy, indicate Building #1, Building #2, etc., in the upper right corner of each Application.  Staple together the Applications as a single unit.


    COMPLETING PART 1 OF THE APPLICATION

    The following instructions apply for completing Part 1 of the Flood Insurance Application form.


    POLICY STATUS

    In the upper right corner of the form, check the appropriate box to indicate if the application is for a NEW policy or a RENEWAL of an existing policy.  If the application is for a renewal, enter the current 10-digit NFIP policy number.


    POLICY TERM (BILLING/POLICY PERIOD

    Check the appropriate box to indicate who should receive the renewal bill.


    If "BILL FIRST MORTGAGEE is checked, complete "First Mortgagee" section."


    If BILL SECOND MORTGAGEE, BILL LOSS PAYEE, or BILL OTHER is checked, provide mailing instructions in the "Second Mortgagee or Other" section.


    Enter the policy effective date and policy expiration date (month-day-year).


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    Sunday, January 29, 2012

    Continuing Education in The Management Role

    Having educated yourself to degree level and beyond is time consuming and demanding however, the end result is what drives a large number of people to succeed and become managing directors and CEO’s of large companies. It is important to remember smaller companies with less staff still play an important role in a countries economic growth and productivity. If you are a manager or CEO, the responsibility is the same whether you manage hundreds of staff or just a few. The result is continued growth in the market place, a happy productive staff team and most importantly survival in a very hostile business world.


    We are aware of the current financial crisis, the ups and downs of global markets having a direct affect on all companies. Once again, the difference of a large or small company is very little in as much as survival rate and the ability to operate from month to month.


    In the ever-changing market, the abilities of the managing director or CEO are being tested from day to day.

    It has become imperative for such educated people to continue their education. The changing market, trends and specific needs of individuals and the staff team as a whole are becoming very demanding, if the current CEO’s and managing directors do not continue their education they run the risk of being left behind or even replaced by a more educated more up to date candidate.

    A managing director or CEO will have to concentrate on some key areas of continued education, such as human resources, changing markets and the market place, health and safety and other more individual specific courses linked to their chosen area of expertise.


    The modern progressive and dynamic staff teams are very thirsty for knowledge and continued education.

    This is time consuming in its self. The HR department also needs to continue their education to keep abreast of trends, legal requirements and stopping stagnation within the work force. The new modern HR department will have an aggressive and at times daunting continued educational target. Without a continued education program, a staff team would simply remain at a standstill, staff members would not be able to continue their growth within the company and then costly advertising campaign would have to search for suitable candidates to fill the void.

    All managing directors or CEO’s know internal promotions are better for the growth of the company as they make staff feel valued and promote positive thinking within the team to be more forward progressive thinkers. If they see colleagues advance in their careers, then they hopefully will have the drive and ambition to continue their individual education to succeed and move up the corporate ladder.


    It is important to remember that with continued education comes change. This can mean many things however, two key areas are a move for the manager or CEO to pastures new if their individual growth requires new more challenging roles or complete organizational re-structure so continued education can succeed.


    The word for continuing education for business managers in Danish is Efteruddannelse for virksomhedsledere. Click on this link to find one of the best websites dedicated to that. It is in Danish but Google Translate can help you with the translation. If you would like to read about continuing education for professional engineers, read this article.

    Thursday, January 19, 2012

    Physical Therapy Continuing Education: Rehah Post Fai Surgery

    Physical Therapy Continuing Education recently interviewed a Hip Surgery Rehab Expert about his process for rehabbing people post FAI Hip surgery.

    Here are some of his answers:

    Hip Surgery Rehab Expert:That being said he asked the patients to stay at least four to five days following the surgery, come twice a day, really get hands on as far as whats involved with the rehab, have a thorough understanding of that rehab process. The more times that patient can hear and have the rehab performed on them the more theyre gonna remember once they leave.

    We couldnt always rely on if the patient was going back somewhere where there was a therapist available or they didnt have the means to go to therapy following this, so we also tried to make the rehab process as much possible for the patient to perform on their own with just some follow-up care as needed.

    So, our main hip surgeon, when he came out here he had for the most part the same population and so he adopted that philosophy. He asked that the patients stay at least four to five days, to get in twice a day while theyre out here and we go through their specific program with them.

    They get treated twice a day and then once they leave here they have the information to contact us via email, phone call to continue up with either their therapist or once they leave here their therapist or they themselves can follow-up with us.

    Because our hips surgeon's practice is just exploding we did bring on an athletic trainer who has allowed us to communicate more openly with these patients and the therapists once they leave here. So, we have one full staff person dedicated purely to communicating with the patients and the therapists once they leave.

    Interviewer: Excellent. And then follow-up. Do people actually come back to Vail for reassessment or how does that side of things work?

    Hip Surgery Rehab Expert:Yes. What well do is theyll stay here four to five days, and what we found is that a lot of patients will stay a little bit longer. Weve seen more and more people dedicating two weeks out here. Obviously its Vail and theres some expense with spending the days out here and the nights out here, so we understand that, but some patients have made the they put the effort into finding one of the best physicians in the world doing the surgery in the rehab facility they figure they might as well spend a little extra money and stay out here. So, they are staying anywhere from four days to two weeks, three weeks up to some patients staying their whole rehab process.

    That being said, even if they leave after four or five days we have them come back at probably about six to eight weeks which is right around the time when theyre starting to get more into their functional activities. Kind of going from phase two into phase three of their rehab. Thats around the time that we ask them to come back, around that six to eight week mark and/or they will come back at around 12 weeks.

    Thursday, January 12, 2012

    Insurance Continuing Education - Contracts

    In the absence of fraud, all statements made by applicants or Insureds will be deemed to be representationsand not warranties. No statement made for the purpose of affecting coverage will avoid coverage or reduce benefits unless contained in a written application signed by the Contract Holder and a copy of such documents has been furnished to the Contract Holder.


    Eligibility for coverage under this Contract is determined by medical risk classifications applicable to the applicant and his or her dependents. Among the factors we consider when making our underwriting decision are the medical information requested on the application, and the sex and age of the applicant and his or her dependents.


    Material Misrepresentations, omissions, concealment of facts and incorrect statements made on an application or a medical statement by an applicant, Insured or a Contract Holder which is discovered within two years of the issue dateof the Contract may prevent payment of benefits under this Contract and may void this Contract for the individual making the misrepresentation, omission, concealment of facts or incorrect statement. Fraudulent misstatementsin the application or medical statement discovered at any time,may result in voidance of this Contract or denial of any claims for the individual making or responsible for the fraudulent misstatement.


    In the event of fraud or misrepresentation pertaining to, but not limited to, medical information, geographical area, or the sex and/or the age of applicant or his or her dependents made on an application or medical statement by an applicant, Contract Holder or Insured, the sole liabilityof YOUR INSURANCE COMPANY shall be the return of any unearned Premium, less benefit payments. However, at our discretion, we may elect to cancel the Contract with forty-five (45) days prior written notice (Time may vary by state regulation &/or company practice) or continue this Contract provided that the Contract Holder makes payment to us for the full amount of the Premium which would have been in effect had the true facts been stated by the applicant, Contract Holder, or Insured.



    C.A.


    Bernadette was diagnosed with breast cancer in Oregon. Her doctor in Oregon told her that she needed surgery as soon as possible. However, since she was not employed and had no insurance, she decided to move back home to Indiana.


    She found a job in Indianapolis, but it had no benefits. Therefore she applied for an individual major medical policy. She did not tell the agent about her cancer and the policy was issued on a standard basis with no riders.


    60 days after the policy was issued she had a "routine" mammogram" which "discovered"



    (Continued from previous page) the cancer. She told the radiologist at the clinic that she had had a mammogram about a year earlier, at a public health clinic. She did not mention the finding, however. She was immediately admitted to a hospital in Indianapolis and a mastectomy was performed.


    During a routine claims review, the insurer sent an inquiry to the Public Health Service in Oregon, which duly reported the earlier findings. Based upon these findings, the insurer canceled the policy based upon a material misrepresentation and refused to pay for any of the medical costs.


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    Sunday, January 8, 2012

    The Importance of Continuing Education

    While these 23 million individuals represent the very core of an emerging society that is more inclined to studying and learning, the remaining individuals are excluded from these learning experiences due to reasons of time, cost, or even personal issues.

    Over the last few years, the number of adults who are continuing with their education has increased tremendously. This term "continuing education" describes the opportunity and process of learning new skills and acquiring knowledge that is far superior to what we are taught during our formal schooling years.

    Most people opt for continued education to further their knowledge base and even their employability.

    Continuing Education vs. Traditional

    Usually, what we learn in all of those long, arduous years of our formal schooling are just basic skills that are good enough to help us start working, but not good enough to take us further in our careers, especially with the rapid changes and advancements in technology that demands for a more sophisticated and educated workforce.

    Students who participate in continuing their education are generally working professionals who seek to further advance and promote their intellectual capabilities while still working. Since their time is divided between studies and full-time work, they have to be extremely motivated in order to succeed. One of the biggest characteristics that distinguish students who are participating in continuing education is their tendency to relate the lessons that they learn in class to their work experience.

    Instructors must have the proper and appropriate practical experience and knowledge in order to address the issues and concerns of these special students. Students involved in continuing education can be very selective when it comes to choosing their courses. The courses that they choose have to be in some way relevant to their work and should be able to benefit them. If the right course is chosen, it can benefit you a great deal both educationally and professionally.

    More and more adults are now engaged in continuing education that leads to formal qualifications that provide them with the adequate knowledge pertaining to a certain area of study. Furthermore, continuing education also provides us with a certain pride of accomplishment as we take our courses.

    Offering an affordable, faster, and definitely more focused means of acquiring career or personal objectives, continuing education credentials can be put on resumes and presented anywhere as evidence of the individual's professional studies.

    The Importance of 'Continuing Education' in the Workplace

    A skilled workforce will always result in increased economic productivity. Here is how continuing education benefits the working force:

    o A more skilled workforce is always more productive - These days, skills and education are seen as the most important elements of the employability and income potential of a candidate. Since the economy has shifted to one that values an educated workforce more than an uneducated workforce, employers are now seeking both educated and skilled workers. The demand for continuing education has thus increased twofold.

    o Continuing education helps employers retain better employees while remaining as competitive as ever - A more educated employee will always be more productive, so companies have now started hiring employees who are continuing with their education. Continuing education can be seen as a way to retain the better, more educated employees.

    With the rapid advancement of the information technology sector, continuing education will not be confined to only physical space. Distance learning through interactive media will form a major part of continuing education. The internet will also play a huge role in delivering the course materials to the students.

    A virtual course that is aimed at extending an individual's knowledge beyond those formal years of education has now become reality. With respect to all of this development in the field of continuing education, we have only one question to ask: how much further can continuing education go?


    Thursday, January 5, 2012

    How to Fit Continuing Education Seminars Into a Busy Schedule

    As people go through life, they may strive to learn more about topics and events of interest in their business field or things that affect them personally. Some professional certifications and organizations may require members to complete continuing education unit (CEU) credits throughout the year to keep up their membership status and knowledge. Those who wish to pursue continuing education in lifelong learning for personal enrichment may find that one of the best ways to do so is through seminars at a local university or learning center. While it sounds like a good idea in theory, this is sometimes difficult for people with busy lifestyles. Here are some ways to fit continuing education seminars and classes into a busy schedule to meet requirements or for personal enrichment.

    Me Time
    While parenting and working are important aspects of life, it is equally important to take some time out for personal enrichment. Taking a break from the daily stresses of life can come in the form of learning about photography, world politics or other areas of personal interest. This leaves the individual well-rounded, relaxed and better informed about society and the world around them.

    Plan Ahead
    When it seems there is never enough time in the day to do everything, planning well in advance may be the key to fitting it in to the busy schedule. Find a one-day seminar or weekend class and work it in to the calendar. Resolve to keep the date and not bump it in favor of other activities or appointments. Mark it on every calendar with reminders. For continuing education credits related to a profession, consider taking time off from work to attend. Most employers are interested in having well-rounded employees who are accredited and certified. They, too, may need to keep up with CEUs and will understand the need to fit them in before a looming deadline.

    Bring a Friend
    Sometimes part of the challenge of attending seminars is spending less time with friends or family. One way to do both is to take a seminar that someone both people can take together. For example, spouses, parents or adult children may be equally interested in taking a class on digital media and web design, learning about financial and estate planning or discovering the world of genealogy and how to research the family tree. Not only will taking a seminar or continuing education classes help both people learn something of interest, they can spend time together before, during and after the class.

    While lifelong learning is a personal goal for many people, finding the time to actively pursue it can be a challenge. By setting aside personal time to attend classes by planning ahead and rearranging or coordinating their schedules, continuing education can be an enriching and informative addition to a busy lifestyle.

    Monday, January 2, 2012

    Social Work Continuing Education Information And Facts

    It takes a unique type of man or woman to dedicate their career and professional life to social work. Continuing education and maintaining current licenses is just a small part of their position, but is an essential step to keeping their accreditation up-to-date. This article outline a few of the key points about continuing education in the field and why it is so important for the individual to stay abreast of the information and license renewal.

    As someone that is employed in the field of social work, these classes are your responsibility. You can look to education boards and even your employer for direction, but the ultimate task of applying for and maintaining current licensure in your field is completely up to you. Individual requirements vary according to jurisdiction and you must take the time to make yourself aware of what these particular requirements may be.

    For many men and women keeping up with license renewal for social work, continuing education involves taking certain courses along the way. Keep in mind that not all courses are created equal and you often get what you pay for. Be wary of courses that advertise dramatically reduced fees or do not offer to provide attendance records to licensing boards. Once you complete a course you should receive a signed certificate indicating your successful completion, attendance records for every day that you were present, as well as proof of qualification of instructors, consultants, and other educational personnel. All of these items are important to present to the licensing board when validating or renewing your social workers accreditation. Once again, all of these requirements are the responsibility of the social worker and must be kept track of by the individual that is looking to advance their education and renew their license.

    There are a number of other things that help set some courses far above and beyond their competitors. It would be in your best interest to choose continuing education that offers a lot of assistance from other social workers in the program, provides evaluation forms and procedures that are easy to understand and learn from, and offers relevant content with a general outline or syllabus. The course should also state the educational goals and learning objectives, with tangible ways of evaluating progress as the course unfolds. There are a number of online courses also available that are convenient to attend and easy to pay for. These may be viable options for busy professionals with numerous home and career commitments.

    It is important to keep all of these factors in mind when considering social work continuing education. Be responsible for keeping yourself aware of the requirements of license renewal and choose a course that exceeds the Association of Social Work Board's Approved Continuing Education requirements. In this way, you will keep yourself on track in a fulfilling career for years to come.

    Continuing Education for a Growing Business

    One of the best perks you can give your employees is continuing education. In business, investments do not only come in material form. You can also find them in people. Continuing education works more than just empowering your business but it also allows you to have a worthwhile contribution in the business. There are plenty of good trickle down effects that this kind of business investment brings.


    Knowing the Benefits of Continuing Education

    Whether your business is small-scale or already an enterprise, learning is as much an integral part of any organization as change is. Individual employees would be empowered professionally and personally. When you give them trainings, they become skilled in more ways than one and that can also cause them to be personally confident in getting the job done. Their values and attitudes towards their work can also be positively affected.

    When you have a group of individuals all working towards the same goal and knowledgeable enough to know what the job demands, you in turn develop a productive community. With this team in place you can innovate new solutions to existing problems and even new product or service offerings for your target market.

    Finally, you become a main contributor to a growing economy. You strengthen business by showing the world that the industry you are in is promising and you can carve a niche for your company in the process. It then becomes a fully cycle of profits starting from investing on people who are essentially the lifeblood of your organization.

    Direct Effect of Continuing Education on Employees

    You can feel the positive effects of offering continuing education as early as the recruitment side of hiring people. People who see that you offer a chance for them to amp up their knowledge will definitely take it as a good sign of joining your company. It also helps give a positive image to your company as an entity that knows how to take care of its employees and knows that they have a direct contribution to the overall success of the business.

    When employees know that you take care of their personal growth they are also less likely to find another company to join. This can help prevent high attrition rates which actually affect the business image not to mention your day to day operations. It can be troublesome to keep on training people to handle a specific task especially if it involves client interfacing.

    Also, change management may happen in your business at one point or another. You should also know that change often happens inside the company and the best way you can introduce this is by upgrading the skills-set of your employees. By providing people with the right training ground you also prepare them to face perhaps an upgrade on technologies, on the new products you are offering, or as a means of personally preparing them to handle bigger responsibilities in the company.

    These days there are many companies that offer specialized continuing education. Through their programs, you might find a suitable plan that you can implement in your company. Of course, you can also think of this as an added cost to your company but as said, it is an investment. So when choosing the company to train your people, make sure you go for those who have already proven their world in the field of management training and business training