Category Archives: Insurance Definition
The Shameful Secret of Illiteracy in America
The Shameful Secret of Illiteracy in America
The word is not just a sound or a written symbol. The word is a force; it is the power you have to express and communicate, to think, and thereby to create the events in your life.
– Don Miguel Ruiz
One New Jersey woman, “Maria,” read at a third grade level. She held a job and fudged her way through everyday tasks without reading. When she would go to a restaurant, she would order what she knew was on the menu – a hamburger, salad or grilled chicken – or point to someone else’s plate at the next table and ask “for what he’s having.” Maria even went so far as to keep her illiteracy a secret even from her husband of ten years. Because she could not read the mail, she would pretend that she forgot her glasses at work or say that she had been too busy to open the mail and ask her husband to do it. One day, they were walking past a shop window with a sign in it. As they looked at the display, the husband suddenly realized that his wife could not read. Maria was embarrassed and humiliated. But she sought help and now reads, works on a computer and teaches others to read.
In 2002, before the Subcommittee on Education Reform Committee on Education and the Workforce, United States House of Representatives, actor James Earl Jones testified: “92 million Americans have low or very low literacy skills – they cannot read above the 6th grade level. To be illiterate in America – or anywhere for that matter – is to be unsafe, uncomfortable and unprotected. For the illiterate, despair and defeat serve as daily fare. Can any of us who do know how to read really understand the sadness that is associated with the inability to read? Can we truly relate to the silent humiliation, the quiet desperation that can’t be expressed, the hundreds of ways that those who cannot read struggle in shame to keep their secret? The struggle out of illiteracy … is still a part of the story of America.”
Today, our nation faces an epidemic that is destructive to our future. The disease is functional illiteracy. According to the most recent National Assessment of Educational Progress (NAEP), it has overtaken one-third of America’s children by the fourth grade – including two-thirds of African-American students and almost half of all children in the inner cities.
The basic definition of literacy is the ability to read and write. So the basic definition of illiteracy is the inability to read and write.
Beyond the basic definitions, there is significance in the shocking statistics about the functionally illiterate. What illiteracy means is that millions may not be able to understand the directions on a medicine bottle, or be able to read their telephone bill, make correct change at a store, find and keep a job, or read to a child.
Illiteracy has long been viewed as a social and educational issue – someone else’s problem. However, more recently we have come to understand the economic consequences of the lack of literacy skills for America and American business.
Illiteracy has a significant impact on the economy. According to Nation’s Business magazine, 15 million adults holding jobs today are functionally illiterate. The American Council of Life Insurance reports that three quarters of the Fortune 500 companies provide some level of remedial training for their workers. And, a study done by the Northeast Midwest Institute and The Center for Regional Policy found that business losses attribute to basic skill deficiencies run into the hundreds of millions of dollars because of low productivity, errors and accidents.
In addition, as reported in the 1986 publication entitled Making Literacy Programs Work: A Practical Guide for Correctional Educators (for the U.S. Department of Justice, National Institute of Corrections), one-half of all adults in federal and state correctional institutions cannot read or write at all. Only about one-third of those in prison have completed high school.
Evidence indicates that the problem begins at home. A National Governors’ Association Task Force on Adult Literacy reported that illiteracy is an inter-generational problem, following a parent-child pattern. Poor school achievement and dropping out before completing school are commonplace among children of illiterate parents.
The reasons for illiteracy are as varied as the number of non-readers. The adult non-reader may have left school early, may have had a physical or emotional disability, may have had ineffectual teachers or simply may have been unready to learn at the time reading instruction began.
Because they are unable to help their children learn, parents who can’t read often perpetuate the inter-generational cycle of illiteracy. Without books, newspapers or magazines in the home and a parent who reads to serve as a role model, many children grow up with severe literacy deficiencies. Clearly, there is no single cause of illiteracy.
Adults have many reasons for requesting reading help. Many are prompted by the need for increased levels of literacy in their jobs. Others may wish to read to a child, read the Bible or write to a family member for the first time. All express a hope for a better quality of life through higher levels of literacy.
According to Barbara Bush, “It suddenly occurred to me that every single thing I worry about – the breakup of families, drugs, AIDS, the homeless – everything would be better if more people could read, write and understand.”
Let us all do what we can to make illiteracy not a part of the story of American today but a part of America’s past.
Have Whiter Teeth With These Tips (2)
Have Whiter Teeth With These Tips
These days more and more people want to have white teeth; and why not? With high definition cameras and the popularity of social networking, you are exposed more than ever. This article will provide some sensible information about teeth whitening. There is a lot that you can do to make a difference.
A teeth whitening solution that you can make at home is with salt and baking soda. Mix the two together and scrub your teeth with the solution. The mixture acts as a cleanser and kills off the plaque-causing bacteria that can discolor your teeth!
Instead of paying for expensive home teeth whitening systems that may or may not work as well as you expect, check into a professional whitening service provided by your local dentist. Many times, dentists may offer deals on this at certain times of the year and your insurance may even pay for a portion of the cost.
To get your teeth whiter at home, you can use an orange peel. The ingredients that make up an orange are good for removing discoloration from the enamel. To use this method, simply peel the orange and rub the peel on your teeth for at least 3 minutes. You can then spit it out.
Make sure you regularly brush your teeth. You should make sure you brush your teeth at least two times a day, once in the morning and at night. More importantly, you should make sure you are properly brushing. This will help avoid a buildup of plaque and will help keep your teeth white.
Buy a tooth whitening product that contains about 15% of the whitening agent. Too little of the whitening chemicals and the product will be ineffective. Too much, and your mouth may become irritated by the harshness of the chemical. Try out a mid-range product; if you tolerate it well and you aren’t getting good results, then move to a higher concentration.
Don’t go overboard with whitening products. It’s very easy to overuse whitening products so your teeth will be whiter. You want to avoid using them too much because they can be damaging to your teeth and gums. Some of these products can eat away at the enamel on your teeth, leaving them with a translucent look.
Avoid using mouthwashes that contain alcohol or have coloring added to them. These colorings are known to have a staining effect on your teeth. The chemicals that they use are also not good for you. One well known mouthwash has been known to stain your teeth a brownish color.
Hydrogen peroxide is another alternative that you can use to brush your teeth. The peroxide oxidizes your teeth upon contact and can remove states. Most hydrogen peroxide you buy in stores will already be diluted, but you can dilute further, by mixing 2 tablespoons of water to every tablespoon of hydrogen peroxide. If you do not like the taste of the peroxide, substitute a sweet tasting mouthwash for the water.
In conclusion, you want to look your best at all times and having yellow stained teeth has a major negative effect on your appearance. Take the time to try out this outstanding advice on how to keep your teeth looking great. You can achieve remarkable results.
Use These Tips To Improve Your Home
Use These Tips To Improve Your Home
Home improvement can be a big job. The temptation to dive in and gut the entire house to make improvements can be overwhelming at times. A comprehensive budget and thorough plan are required before starting any home improvement project. These tips will give you a solid foundation for starting your project.
If you are unsure how to organize the pictures on your wall, there is a simple and effective solution to your plight. Paint some contrasting thick stripes, diagonally down your wall. Then arrange your pictures in their frames within the thick stripes. This adds definition to your walls as well as organization for your frames.
While new home builders are now required to install only low-flow toilets, older homes rarely have efficient plumbing; an older toilet can use more than three gallons of water per flush; a new low-flow commode will use less than half of that amount, making it a wise investment that can save money on your water costs.
If you want to do contracting, you need to make sure that you have the proper insurance before you begin. There are a lot of people who choose to do home improvement jobs without being properly insured who then end up owing a lot of money when something goes wrong that they did not even consider.
Ugly driveways and concrete can be repaired without having to spend the time and money to replace them. Concrete refinishing has become a new alternative for that cracked driveway or walkway. They can apply a new topcoat, stains, imprint patterns or other design elements that will give your home a whole new look for less.
One of the best home improvements you can do when selling your home is to replace the old and worn-out carpets. This will make the property look nice and give a great impression on potential buyers. Buyers quickly get turned off if they think that they are going to have to replace the stained and tattered carpets in every room.
When planning a home renovation with your contractor, be honest about your budget. While many homeowners fear that they will get ripped off by a contractor if it is known how much money they have to spend, the reality is that being honest will get you better results. The contractor is free to budget for better work and higher-quality materials if they know your true cost ceiling.
If you are working on your own home improvement project involving laying brick, make sure you use brick ties in sufficient quantity. Brick ties are metal clips used to anchor bricks to the wall structure (wood studs or what have you) behind them. Many do-it-yourself types are seduced by the apparent sturdiness of bricks and fail to realize that they must be secured to the wall via brick ties.
As stated in the introduction, starting a new home improvement project can be very exciting. Careful planning is required to ensure that all of the proper tools, required money and other resources are available. So, by following these tips, launching your new home improvement project will be painless and easy as possible.
Personal Finance Tips That Are Easy To Understand 2
Personal Finance Tips That Are Easy To Understand
There are a lot of people that are becoming interested in finding ways to manage their personal finances. If you want to learn ways that you can manage your money, then you’re in the right place. This article is designed to help you learn and then, apply strategies for success when managing your personal finances.
Include your important financial documents in your disaster planning. Many people are starting to prepare in advance for natural disasters such as earthquakes and hurricanes but forget to include things like checks, loan papers, and insurance policies. If something happens to your home or belongings, you will want those important financial items.
If you’re trying to save money for a big purchase, but find that it’s not easy to stick to a budget every day, week after week, here’s a different strategy. Make the effort to save money every other day. For instance, pack a bag lunch three days a week instead of buying lunch out. Put the money you save into a savings account towards your planned purchase.
Buy tires for your car, two at a time. They aren’t cheaper that way but it will be much easier on your pocketbook than buying all four at once! For safety reasons, it is often advisable to ask your mechanic to rotate the tires that were on the front of your vehicle to the back and put the new ones on the front.
Credit card balances play a big role in your FICO score. The higher your credit card balances are, the more the negative impact they will have on your score. When you pay the balance down the score will begin to climb. Try to keep the balance at 20% or less than the maximum credit allowed.
Find out if you will get a discount for making your payments automatically. Many times if you mail your payment you will be charged as much as .00 per month. You may find that there is a nice discount for you if you set up an automatic payment through your checking account or credit card.
Don’t invest in a long-term bond mutual funds. If you need the steady income from bonds, it’s better to buy the actual bond or find a substitute like bank CD’s. Mutual funds can be an excellent way to invest in stocks, but because all mutual funds are priced daily, funds that invest mostly in longer-term bonds can lose money quickly if interest rates rise.
There are a lot of things that we have become accustomed to having that are not necessary. When budgets get tight, these are the first things that need to go. Your high definition sports package, while entertaining, is not necessary for your survival. Trim the fat from your spending and reap the benefits of saving instead.
Now that you have an idea of how you can start managing your personal finances better, it should be easier for you to manage your future. Apply all of the strategies that you have learned in this article, then you should be well on your way to success.
Great Guide On How To Organize Your Finances (2)
Great Guide On How To Organize Your Finances
Most people would agree that without a great grounding in the realm of personal finance, life is bound to be a difficult journey. In order to prepare yourself for the adventure, it is essential to gather as much knowledge as you can on matters of money. Take the following ideas and tips to heart, and you will be well on your way to attaining expert status.
Stock up on items you know you will need when they are on sale. Furthermore, join a warehouse club to save on food and household items. An annual fee will give you access to savings on food, paper products, electronics and even clothing. A one-time fee can save a bundle within the coming year.
When it comes to buying a car or truck, never pay full price for a new model. Brand-new vehicles depreciate in value by thousands of dollars, the moment you leave the dealership. Instead, opt for a used vehicle that is one to three years old. You will pay a great deal less, making this a smarter investment.
Cable TV is considered a necessity by many families, but it really is an optional expense, and usually comes at a high monthly cost. Over-the-air TV is free and you can get it in high-definition. Other options for movies include, subscriptions like Netflix, websites like Hulu, renting from Amazon, or wireless set-top boxes like Roku or Apple TV. Chosen judiciously, these options could save money over cable.
A good personal-finance tip is to look through youtube videos when you’re facing some home-improvement issues. A lot of things can be fixed by taking care of it yourself, contrary to calling in a plumber or repairman. There are plenty of helpful videos on youtube that you can watch.
A great personal-finance tip is to seek for professional debt consulting services when you think you’re over your head. These services are often free and can help you significantly. It’s never a good idea to put off financial issues and just assume everything will work out by itself.
Take advantage of the benefits that your job offers because these can save you a lot of money. If your company offers life or health insurance, that will save you a lot and you may also be able to benefit, if your company offers an employer matching contribution on a 401(K).
Take stock of your monthly bills and find areas for cuts. Evaluate whether all the features of your utilities are necessary. You may find options that go unused, yet are paid regularly. You may also find special offers that cut your costs for a period of time. Just pay attention to time frames and check overall costs first.
Without thorough knowledge and understanding of matters pertaining to personal finance, life can be challenging indeed. To ready help yourself for any eventuality, acquiring a strong body of information is the key. By using the concepts and guidance contained above; you will have the equipment needed to build a durable financial future.
Techniques For Making Your Home Business Work
Techniques For Making Your Home Business Work
Working from home is something many people dream about. But what a lot of people don’t realize is how difficult running your own home business is. But for those of you who still want to forge on with your plans, this article has a few tips and tricks to give you a leg up!
Testimonials can be a powerful marketing aid for your home business. You should solicit endorsements from the users of your products or services. Concentrate especially on those who receive free samples of your wares. Sample recipients are not only inclined to be more positive, they feel generally more obligated to provide testimonials.
To attract more traffic to the website of your home business, register your website with as many search engines as possible. Write a good description of it that will make people want to visit your website when it comes up in search results. Look into search engine optimization to promote your website.
Always know what your products cost you to make. This is important for many reasons, but if someone should unexpectedly show interest in retailing your products, you will need to know off the top of your head what your cost is, and where you want to set your wholesale price. As a rule of thumb, the retail price is about two times your wholesale price. The wholesale price is your costs plus a fair profit margin for you.
Although you may be used to working eight hours a day and then being off, you have to realize that in order for a home business to thrive more of a time commitment may be needed. Once everything is in place you will be able to relax a little.
Don’t be afraid to make progress and even skip a step. The people I consider the most successful (by my definition which includes, enjoying their work, earning a good living, feeling happy and accomplishing lots of life goals), do not wait for permission from anyone to pursue their opportunities.
Avoid burnout and keep yourself on track with your home business operations by viewing it just as you would view any other job. Set regular hours for yourself and stick with a fixed schedule. This allows you to keep your home and business work separate from one another, which can also help you to stay organized.
Keep your tax records on file for as long as your accountant tells you that you must in case of a tax audit. This means keeping it in a safe place where you can access it easily, like a tote in your closet. It’s also good in case you need to access receipts for a warranty or insurance claim.
Hopefully this article didn’t scare you away from your plans but instead gave you a push toward meeting your business goals. Running a home business isn’t an easy task, but that doesn’t mean you should give up. If you’re still leery after reading this article, there are plenty more out there that can give you more advice on being successful.
