When Andrew Schuman bought Hammond's Candies in 2007, the nearly 90-year-old candy company was operating in the red. Mr. Schuman, who says he knew nothing about the candy business, soon learned that an assembly-line worker, rather than an executive, had dreamed up the design of the company's popular ribbon snowflake candy.
View Full Image
SBINNO_SB
Monica Munoz
Hammond's Candies' Andrew Schuman, right, and Gerardo Gutierrez, whose idea reduced candy-cane breakage.
SBINNO_SB
SBINNO_SB
It was an "aha" moment, he says. "I thought, 'wow, we have a lot of smart people back here, and we're not tapping their knowledge.' "
So last year Mr. Schuman decided to offer a $50 bonus to assembly-line workers who came up with successful ideas to cut manufacturing costs.
"They're the ones making and packing the candy, so I thought they probably know how to do things better and more efficiently," says Mr. Schuman, president of the Denver, Colo., company, which has about 90 employees.
The informal idea program, which is open to all Hammond's Candies workers, has handed out more than $500 in employee bonuses since it began last year. One worker suggested a tweak in a machine gear that reduced workers needed on an assembly line to four from five.
Another employee devised a new way to protect candy canes while en route to stores, which resulted in a 4% reduction in breakage. "It's these little tiny things that someone notices that help us in the long run," says Mr. Schuman, who adds that the company was able to earn a profit this year.
[SBINNO]
Mike Hall
As more entrepreneurs turn to employees for innovation to gain even the slightest advantage in a still-sluggish economy, many are discovering the usefulness of cash incentives or other rewards to encourage workers to come forward with ideas. Particularly for small businesses with limited resources, it's a relatively cheap way to gather "lots of ideas and get people proactively thinking about what would make the product, service or company better," says David Hsu, entrepreneurship professor at the University of Pennsylvania's Wharton School.
Mike Hall, chief executive of Borrego Solar Systems in San Diego, introduced two quarterly employee contests this year, each with a $500 prize. Beyond the competition, the company's 55 employees are rated on innovation in their annual reviews.
One contest seeks the best business innovation, which Mr. Hall says must be formalized on paper to include the problem the idea solves, as well as its costs, risks and benefits.
The other competition rewards the best "knowledge brief," which requires employees to share valuable information that can benefit the company as a whole. For example, one worker won for creating a glossary of acronyms in the solar industry.
"It accentuates the importance of disseminating knowledge and trying not to hold it in silos," Mr. Hall says. Winners are determined by a companywide secret ballot.
Prof. Hsu says finding unique ways to reward employees for their ideas is a way to foster esprit de corps. "It's why a lot of people work for small businesses in the first place; there's a closer connection in the effort they put forward and the final product," Prof. Hsu says.
Jared Heyman, founder of Infosurv, a market-research firm in Atlanta, says his company has long turned to employees for business ideas. "In every industry, as soon as one company creates an innovation everyone else is then playing catchup," he says.
Five years ago, Mr. Heyman began awarding a $150 restaurant gift card every quarter to the employee with the best business idea. One employee won for developing a technology innovation that helped the company retain a major client that was about to jump ship.
"The [ideas] program has paid for itself a thousand times over," Mr. Heyman says. "In terms of cost savings, revenue enhancement and efficiencies, it's certainly in the six-figure range."
This year, he upped the ante with a second contest, 100 Days of Innovation, in which the company's 15 employees have to come up with a total of 100 innovative ideas by year's end in order to each receive a $100 reward. Employees write their ideas on post-it notes and stick them on the "Innovation Board," created to provide a visual reminder.
"I think a lot of folks are motivated by the fact that if we fall short nobody wins anything," Mr. Heyman says. "It reminds everybody that we work together and we'll succeed or fail together
12/28/2009
Entrepreneurs Seek Ways to Draw Out Workers' Ideas
When Andrew Schuman bought Hammond's Candies in 2007, the nearly 90-year-old candy company was operating in the red. Mr. Schuman, who says he knew nothing about the candy business, soon learned that an assembly-line worker, rather than an executive, had dreamed up the design of the company's popular ribbon snowflake candy.
View Full Image
SBINNO_SB
Monica Munoz
Hammond's Candies' Andrew Schuman, right, and Gerardo Gutierrez, whose idea reduced candy-cane breakage.
SBINNO_SB
SBINNO_SB
It was an "aha" moment, he says. "I thought, 'wow, we have a lot of smart people back here, and we're not tapping their knowledge.' "
So last year Mr. Schuman decided to offer a $50 bonus to assembly-line workers who came up with successful ideas to cut manufacturing costs.
"They're the ones making and packing the candy, so I thought they probably know how to do things better and more efficiently," says Mr. Schuman, president of the Denver, Colo., company, which has about 90 employees.
The informal idea program, which is open to all Hammond's Candies workers, has handed out more than $500 in employee bonuses since it began last year. One worker suggested a tweak in a machine gear that reduced workers needed on an assembly line to four from five.
Another employee devised a new way to protect candy canes while en route to stores, which resulted in a 4% reduction in breakage. "It's these little tiny things that someone notices that help us in the long run," says Mr. Schuman, who adds that the company was able to earn a profit this year.
[SBINNO]
Mike Hall
As more entrepreneurs turn to employees for innovation to gain even the slightest advantage in a still-sluggish economy, many are discovering the usefulness of cash incentives or other rewards to encourage workers to come forward with ideas. Particularly for small businesses with limited resources, it's a relatively cheap way to gather "lots of ideas and get people proactively thinking about what would make the product, service or company better," says David Hsu, entrepreneurship professor at the University of Pennsylvania's Wharton School.
Mike Hall, chief executive of Borrego Solar Systems in San Diego, introduced two quarterly employee contests this year, each with a $500 prize. Beyond the competition, the company's 55 employees are rated on innovation in their annual reviews.
One contest seeks the best business innovation, which Mr. Hall says must be formalized on paper to include the problem the idea solves, as well as its costs, risks and benefits.
The other competition rewards the best "knowledge brief," which requires employees to share valuable information that can benefit the company as a whole. For example, one worker won for creating a glossary of acronyms in the solar industry.
"It accentuates the importance of disseminating knowledge and trying not to hold it in silos," Mr. Hall says. Winners are determined by a companywide secret ballot.
Prof. Hsu says finding unique ways to reward employees for their ideas is a way to foster esprit de corps. "It's why a lot of people work for small businesses in the first place; there's a closer connection in the effort they put forward and the final product," Prof. Hsu says.
Jared Heyman, founder of Infosurv, a market-research firm in Atlanta, says his company has long turned to employees for business ideas. "In every industry, as soon as one company creates an innovation everyone else is then playing catchup," he says.
Five years ago, Mr. Heyman began awarding a $150 restaurant gift card every quarter to the employee with the best business idea. One employee won for developing a technology innovation that helped the company retain a major client that was about to jump ship.
"The [ideas] program has paid for itself a thousand times over," Mr. Heyman says. "In terms of cost savings, revenue enhancement and efficiencies, it's certainly in the six-figure range."
This year, he upped the ante with a second contest, 100 Days of Innovation, in which the company's 15 employees have to come up with a total of 100 innovative ideas by year's end in order to each receive a $100 reward. Employees write their ideas on post-it notes and stick them on the "Innovation Board," created to provide a visual reminder.
"I think a lot of folks are motivated by the fact that if we fall short nobody wins anything," Mr. Heyman says. "It reminds everybody that we work together and we'll succeed or fail together
View Full Image
SBINNO_SB
Monica Munoz
Hammond's Candies' Andrew Schuman, right, and Gerardo Gutierrez, whose idea reduced candy-cane breakage.
SBINNO_SB
SBINNO_SB
It was an "aha" moment, he says. "I thought, 'wow, we have a lot of smart people back here, and we're not tapping their knowledge.' "
So last year Mr. Schuman decided to offer a $50 bonus to assembly-line workers who came up with successful ideas to cut manufacturing costs.
"They're the ones making and packing the candy, so I thought they probably know how to do things better and more efficiently," says Mr. Schuman, president of the Denver, Colo., company, which has about 90 employees.
The informal idea program, which is open to all Hammond's Candies workers, has handed out more than $500 in employee bonuses since it began last year. One worker suggested a tweak in a machine gear that reduced workers needed on an assembly line to four from five.
Another employee devised a new way to protect candy canes while en route to stores, which resulted in a 4% reduction in breakage. "It's these little tiny things that someone notices that help us in the long run," says Mr. Schuman, who adds that the company was able to earn a profit this year.
[SBINNO]
Mike Hall
As more entrepreneurs turn to employees for innovation to gain even the slightest advantage in a still-sluggish economy, many are discovering the usefulness of cash incentives or other rewards to encourage workers to come forward with ideas. Particularly for small businesses with limited resources, it's a relatively cheap way to gather "lots of ideas and get people proactively thinking about what would make the product, service or company better," says David Hsu, entrepreneurship professor at the University of Pennsylvania's Wharton School.
Mike Hall, chief executive of Borrego Solar Systems in San Diego, introduced two quarterly employee contests this year, each with a $500 prize. Beyond the competition, the company's 55 employees are rated on innovation in their annual reviews.
One contest seeks the best business innovation, which Mr. Hall says must be formalized on paper to include the problem the idea solves, as well as its costs, risks and benefits.
The other competition rewards the best "knowledge brief," which requires employees to share valuable information that can benefit the company as a whole. For example, one worker won for creating a glossary of acronyms in the solar industry.
"It accentuates the importance of disseminating knowledge and trying not to hold it in silos," Mr. Hall says. Winners are determined by a companywide secret ballot.
Prof. Hsu says finding unique ways to reward employees for their ideas is a way to foster esprit de corps. "It's why a lot of people work for small businesses in the first place; there's a closer connection in the effort they put forward and the final product," Prof. Hsu says.
Jared Heyman, founder of Infosurv, a market-research firm in Atlanta, says his company has long turned to employees for business ideas. "In every industry, as soon as one company creates an innovation everyone else is then playing catchup," he says.
Five years ago, Mr. Heyman began awarding a $150 restaurant gift card every quarter to the employee with the best business idea. One employee won for developing a technology innovation that helped the company retain a major client that was about to jump ship.
"The [ideas] program has paid for itself a thousand times over," Mr. Heyman says. "In terms of cost savings, revenue enhancement and efficiencies, it's certainly in the six-figure range."
This year, he upped the ante with a second contest, 100 Days of Innovation, in which the company's 15 employees have to come up with a total of 100 innovative ideas by year's end in order to each receive a $100 reward. Employees write their ideas on post-it notes and stick them on the "Innovation Board," created to provide a visual reminder.
"I think a lot of folks are motivated by the fact that if we fall short nobody wins anything," Mr. Heyman says. "It reminds everybody that we work together and we'll succeed or fail together
Entrepreneurs Seek Ways to Draw Out Workers' Ideas
When Andrew Schuman bought Hammond's Candies in 2007, the nearly 90-year-old candy company was operating in the red. Mr. Schuman, who says he knew nothing about the candy business, soon learned that an assembly-line worker, rather than an executive, had dreamed up the design of the company's popular ribbon snowflake candy.
View Full Image
SBINNO_SB
Monica Munoz
Hammond's Candies' Andrew Schuman, right, and Gerardo Gutierrez, whose idea reduced candy-cane breakage.
SBINNO_SB
SBINNO_SB
It was an "aha" moment, he says. "I thought, 'wow, we have a lot of smart people back here, and we're not tapping their knowledge.' "
So last year Mr. Schuman decided to offer a $50 bonus to assembly-line workers who came up with successful ideas to cut manufacturing costs.
"They're the ones making and packing the candy, so I thought they probably know how to do things better and more efficiently," says Mr. Schuman, president of the Denver, Colo., company, which has about 90 employees.
The informal idea program, which is open to all Hammond's Candies workers, has handed out more than $500 in employee bonuses since it began last year. One worker suggested a tweak in a machine gear that reduced workers needed on an assembly line to four from five.
Another employee devised a new way to protect candy canes while en route to stores, which resulted in a 4% reduction in breakage. "It's these little tiny things that someone notices that help us in the long run," says Mr. Schuman, who adds that the company was able to earn a profit this year.
[SBINNO]
Mike Hall
As more entrepreneurs turn to employees for innovation to gain even the slightest advantage in a still-sluggish economy, many are discovering the usefulness of cash incentives or other rewards to encourage workers to come forward with ideas. Particularly for small businesses with limited resources, it's a relatively cheap way to gather "lots of ideas and get people proactively thinking about what would make the product, service or company better," says David Hsu, entrepreneurship professor at the University of Pennsylvania's Wharton School.
Mike Hall, chief executive of Borrego Solar Systems in San Diego, introduced two quarterly employee contests this year, each with a $500 prize. Beyond the competition, the company's 55 employees are rated on innovation in their annual reviews.
One contest seeks the best business innovation, which Mr. Hall says must be formalized on paper to include the problem the idea solves, as well as its costs, risks and benefits.
The other competition rewards the best "knowledge brief," which requires employees to share valuable information that can benefit the company as a whole. For example, one worker won for creating a glossary of acronyms in the solar industry.
"It accentuates the importance of disseminating knowledge and trying not to hold it in silos," Mr. Hall says. Winners are determined by a companywide secret ballot.
Prof. Hsu says finding unique ways to reward employees for their ideas is a way to foster esprit de corps. "It's why a lot of people work for small businesses in the first place; there's a closer connection in the effort they put forward and the final product," Prof. Hsu says.
Jared Heyman, founder of Infosurv, a market-research firm in Atlanta, says his company has long turned to employees for business ideas. "In every industry, as soon as one company creates an innovation everyone else is then playing catchup," he says.
Five years ago, Mr. Heyman began awarding a $150 restaurant gift card every quarter to the employee with the best business idea. One employee won for developing a technology innovation that helped the company retain a major client that was about to jump ship.
"The [ideas] program has paid for itself a thousand times over," Mr. Heyman says. "In terms of cost savings, revenue enhancement and efficiencies, it's certainly in the six-figure range."
This year, he upped the ante with a second contest, 100 Days of Innovation, in which the company's 15 employees have to come up with a total of 100 innovative ideas by year's end in order to each receive a $100 reward. Employees write their ideas on post-it notes and stick them on the "Innovation Board," created to provide a visual reminder.
"I think a lot of folks are motivated by the fact that if we fall short nobody wins anything," Mr. Heyman says. "It reminds everybody that we work together and we'll succeed or fail together
View Full Image
SBINNO_SB
Monica Munoz
Hammond's Candies' Andrew Schuman, right, and Gerardo Gutierrez, whose idea reduced candy-cane breakage.
SBINNO_SB
SBINNO_SB
It was an "aha" moment, he says. "I thought, 'wow, we have a lot of smart people back here, and we're not tapping their knowledge.' "
So last year Mr. Schuman decided to offer a $50 bonus to assembly-line workers who came up with successful ideas to cut manufacturing costs.
"They're the ones making and packing the candy, so I thought they probably know how to do things better and more efficiently," says Mr. Schuman, president of the Denver, Colo., company, which has about 90 employees.
The informal idea program, which is open to all Hammond's Candies workers, has handed out more than $500 in employee bonuses since it began last year. One worker suggested a tweak in a machine gear that reduced workers needed on an assembly line to four from five.
Another employee devised a new way to protect candy canes while en route to stores, which resulted in a 4% reduction in breakage. "It's these little tiny things that someone notices that help us in the long run," says Mr. Schuman, who adds that the company was able to earn a profit this year.
[SBINNO]
Mike Hall
As more entrepreneurs turn to employees for innovation to gain even the slightest advantage in a still-sluggish economy, many are discovering the usefulness of cash incentives or other rewards to encourage workers to come forward with ideas. Particularly for small businesses with limited resources, it's a relatively cheap way to gather "lots of ideas and get people proactively thinking about what would make the product, service or company better," says David Hsu, entrepreneurship professor at the University of Pennsylvania's Wharton School.
Mike Hall, chief executive of Borrego Solar Systems in San Diego, introduced two quarterly employee contests this year, each with a $500 prize. Beyond the competition, the company's 55 employees are rated on innovation in their annual reviews.
One contest seeks the best business innovation, which Mr. Hall says must be formalized on paper to include the problem the idea solves, as well as its costs, risks and benefits.
The other competition rewards the best "knowledge brief," which requires employees to share valuable information that can benefit the company as a whole. For example, one worker won for creating a glossary of acronyms in the solar industry.
"It accentuates the importance of disseminating knowledge and trying not to hold it in silos," Mr. Hall says. Winners are determined by a companywide secret ballot.
Prof. Hsu says finding unique ways to reward employees for their ideas is a way to foster esprit de corps. "It's why a lot of people work for small businesses in the first place; there's a closer connection in the effort they put forward and the final product," Prof. Hsu says.
Jared Heyman, founder of Infosurv, a market-research firm in Atlanta, says his company has long turned to employees for business ideas. "In every industry, as soon as one company creates an innovation everyone else is then playing catchup," he says.
Five years ago, Mr. Heyman began awarding a $150 restaurant gift card every quarter to the employee with the best business idea. One employee won for developing a technology innovation that helped the company retain a major client that was about to jump ship.
"The [ideas] program has paid for itself a thousand times over," Mr. Heyman says. "In terms of cost savings, revenue enhancement and efficiencies, it's certainly in the six-figure range."
This year, he upped the ante with a second contest, 100 Days of Innovation, in which the company's 15 employees have to come up with a total of 100 innovative ideas by year's end in order to each receive a $100 reward. Employees write their ideas on post-it notes and stick them on the "Innovation Board," created to provide a visual reminder.
"I think a lot of folks are motivated by the fact that if we fall short nobody wins anything," Mr. Heyman says. "It reminds everybody that we work together and we'll succeed or fail together
What Are the Requirements For Auto Insurance?
All states highly recommend that all car drivers obtain auto insurance. But what are the minimum coverages and amounts of insurance that must be purchased to satisfy the financial responsibility requirements needed to register your car and obtain license plates?
The first requirement for your car insurance is the coverages. The first coverage is called the No-Fault or Personal Injury Protection. This coverage will pay medical expenses and lost earnings for a driver or passenger injured or a pedestrian injured by your car. The purpose of No-Fault insurance is to help victims recover from the injuries sustained in auto accidents.
The second is the liability requirement which is to protect against the harm your car might do to other people and their property. In addition, your auto insurance company must provide you with a legal defense against such claims, without reducing your policy's liability limits.
The third is the uninsured motorist coverage which is to protect against the injuries you, family members and passengers might suffer in an accident with an uninsured car driver. If anyone in your car is injured by the driver of an uninsured vehicle or a hit-and-run motorist, a claim should be filed with your auto insurance company under this coverage.
Another requirement for auto insurance which is essential when you are choosing affordable car insurance is the insurance information and enforcement system. It will detect uninsured vehicles. Your insurance company will report information such as cancellations renewals, and issuance of new policies, on all persons they insure for motor vehicle insurance. As a driver you must see to it that you maintain liability coverage for your car at all times to prevent suspension of your vehicle registration.
You will soon receive letters from the Department of Motor Vehicles questioning about your status. You should know that your car will be continually tracked for its insurance coverage. If your auto insurance company has the insurance information and enforcement system, then you will be sure enough that your car is really insured.
The third requirement is that your car insurance company must provide all car insurance coverage required by law. This would make you comfortable that even using your credit can be a tool on obtaining coverages for your car.
Many credit card companies provide some type of "collision damage coverage" to their cardholders for vehicles they rent with that card. This is separate from any other coverage and usually covers losses only in excess of amounts collectible under other existing coverages. You may wish to check with your credit card company to verify exactly what protection it provides and what types of vehicles are covered.
Knowing the requirements of auto insurance can help you as a customer to decide on how you would choose the best car insurance for you. You can also be guided if you are planning to take low car insurance but having all the necessary requirements. You need not to worry about the efficacy of your car insurance if you really did your research well.
The first requirement for your car insurance is the coverages. The first coverage is called the No-Fault or Personal Injury Protection. This coverage will pay medical expenses and lost earnings for a driver or passenger injured or a pedestrian injured by your car. The purpose of No-Fault insurance is to help victims recover from the injuries sustained in auto accidents.
The second is the liability requirement which is to protect against the harm your car might do to other people and their property. In addition, your auto insurance company must provide you with a legal defense against such claims, without reducing your policy's liability limits.
The third is the uninsured motorist coverage which is to protect against the injuries you, family members and passengers might suffer in an accident with an uninsured car driver. If anyone in your car is injured by the driver of an uninsured vehicle or a hit-and-run motorist, a claim should be filed with your auto insurance company under this coverage.
Another requirement for auto insurance which is essential when you are choosing affordable car insurance is the insurance information and enforcement system. It will detect uninsured vehicles. Your insurance company will report information such as cancellations renewals, and issuance of new policies, on all persons they insure for motor vehicle insurance. As a driver you must see to it that you maintain liability coverage for your car at all times to prevent suspension of your vehicle registration.
You will soon receive letters from the Department of Motor Vehicles questioning about your status. You should know that your car will be continually tracked for its insurance coverage. If your auto insurance company has the insurance information and enforcement system, then you will be sure enough that your car is really insured.
The third requirement is that your car insurance company must provide all car insurance coverage required by law. This would make you comfortable that even using your credit can be a tool on obtaining coverages for your car.
Many credit card companies provide some type of "collision damage coverage" to their cardholders for vehicles they rent with that card. This is separate from any other coverage and usually covers losses only in excess of amounts collectible under other existing coverages. You may wish to check with your credit card company to verify exactly what protection it provides and what types of vehicles are covered.
Knowing the requirements of auto insurance can help you as a customer to decide on how you would choose the best car insurance for you. You can also be guided if you are planning to take low car insurance but having all the necessary requirements. You need not to worry about the efficacy of your car insurance if you really did your research well.
12/26/2009
How to Meet Single Women Online For Free
Looking for single women online is easy and simple. You can register for a personal ad in the comfort of your home. You can view millions of beautiful ladies near you. Online dating site is a tool to connect you with a beautiful lady. Looking for single women on the net with similar interests is the way to go. Your personal profile is very important because it connects you with a potential lady. Make sure you create a good profile to attract your other half online. You also need to post some of your own pictures. Not only you can contact the ladies, but also they will contact you if they like you. Millions of single women online waiting to meet their partner, you should take action today.
You can view single women in your area for free. When you join a free online dating site you can see who's currently online. Watching thousands of local women and contact them is a piece of cake. You just need to find the best, by putting your search criteria. Dating online is fun and surprise. When you meet your special someone the first time it's a big surprise for you two. Women seeking men online are looking for a serious partner. They don't seek men who play around, or who are not serious. What they looking for is a serious companion whom they can share their life with. Meet single women for free online save you time and money. You don't pay anything at free services.
Popular dating sites have millions of single women looking for love online; you can choose the best date with you. You can search personals with pictures and post your own free profile to create a relationship with any woman. You can search single women in your area for free. Without paying any money, you can seek a woman you dream about. It's free and it's easy to find love and romance on the Internet these days. There are millions of single women looking for relationship and marriage. Free online dating site is the solution to connect with your soul mate. There are no hidden charges. You are free to seek true love. Seeking a single woman online is easy and convenient.
Single women looking for men on the net are the ones who posted their personal profiles to look for love and relationships. They are single and available for a relationship. They can go to other places to find their true match, but they prefer the convenience of online dating service. A single woman on the net can be found on an online dating site. You can find her by searching on the Internet. There are many of them. They also posted their beautiful photos online. How to choose a date with? How can you pick the best of those available women? It is not easy to choose one of many girls. What you need to do is to compare their personal ads to see if they match with your or not. Once you find the ladies who have the same interest, you drop them a message.
You can view single women in your area for free. When you join a free online dating site you can see who's currently online. Watching thousands of local women and contact them is a piece of cake. You just need to find the best, by putting your search criteria. Dating online is fun and surprise. When you meet your special someone the first time it's a big surprise for you two. Women seeking men online are looking for a serious partner. They don't seek men who play around, or who are not serious. What they looking for is a serious companion whom they can share their life with. Meet single women for free online save you time and money. You don't pay anything at free services.
Popular dating sites have millions of single women looking for love online; you can choose the best date with you. You can search personals with pictures and post your own free profile to create a relationship with any woman. You can search single women in your area for free. Without paying any money, you can seek a woman you dream about. It's free and it's easy to find love and romance on the Internet these days. There are millions of single women looking for relationship and marriage. Free online dating site is the solution to connect with your soul mate. There are no hidden charges. You are free to seek true love. Seeking a single woman online is easy and convenient.
Single women looking for men on the net are the ones who posted their personal profiles to look for love and relationships. They are single and available for a relationship. They can go to other places to find their true match, but they prefer the convenience of online dating service. A single woman on the net can be found on an online dating site. You can find her by searching on the Internet. There are many of them. They also posted their beautiful photos online. How to choose a date with? How can you pick the best of those available women? It is not easy to choose one of many girls. What you need to do is to compare their personal ads to see if they match with your or not. Once you find the ladies who have the same interest, you drop them a message.
Fatal Accidents: How Do Fatal Accident Claims Work?
The death of a family member is probably the worst thing any one of us will have to endure. If the death was the result of a fatal accident, the shock and grief of a sudden, unexpected death will be very difficult to recover from.
When a family member dies suddenly, there is a huge amount to come to terms with and life will change forever. Many people struggle not just emotionally, but financially, too. This is the case particularly if the deceased person had been the major breadwinner of the family.
How a fatal accident can happen
Fatal accidents can happen in many different situations. Often claims are made following a fatal accident at work, on the road, in military operations or due to medical negligence.
Can I make a fatal accident claim?
If the fatal accident occurred as a result of the negligence or wrongful act of someone else, family members are entitled to make a claim against them. This can help alleviate some of the financial burdens they are facing, and may also prevent the same kind of accident happening to someone else in the future.
How fatal accident claims work
There are two main parts to a fatal accident claim – the dependents’ claim(s) and the victim’s claim - as well as a statutory award for bereavement which is paid separately.
Dependents’ claims
If one or more family members, including husband, wife, former husband or wife and cohabiters living as husband or wife for at least two years, child, grandchild, parent or guardian, grandparent, brother, sister, aunt, uncle or child of brother, sister, aunt or uncle, were financially supported by the fatal accident victim when they were alive, they can claim for the loss of that financial support.
Victim’s claim
If it can be shown that the victim endured physical or emotional pain or distress as a result of the accident before they died, compensation will be awarded for this. In addition, any financial loss the victim suffered following the accident will be compensated for. However, is the death happened instantly then neither of these will be the case and there will not be a claim for the victim.
Statutory bereavement award
As well as the dependents’ claims and the victim’s claim, there is a statutory award for bereavement. This is an additional damages payment which is a set sum to be paid when a fatal accident was caused by somebody else. The amount increased from £10,000 to £11,800 for deaths occurring after January 1, 2008.
If the fatal accident claim is successful, this sum must be paid by the negligent party, regardless of loss of earnings and the pain and suffering of the victim.
Making a fatal accident claim
If the fatal accident of a member of your family happened as a result of the negligence of someone else, you may be able to claim against them. Fatal accident claims work on a no win no fee basis, meaning that if you win, there will be no cost to you personally.
When a family member dies suddenly, there is a huge amount to come to terms with and life will change forever. Many people struggle not just emotionally, but financially, too. This is the case particularly if the deceased person had been the major breadwinner of the family.
How a fatal accident can happen
Fatal accidents can happen in many different situations. Often claims are made following a fatal accident at work, on the road, in military operations or due to medical negligence.
Can I make a fatal accident claim?
If the fatal accident occurred as a result of the negligence or wrongful act of someone else, family members are entitled to make a claim against them. This can help alleviate some of the financial burdens they are facing, and may also prevent the same kind of accident happening to someone else in the future.
How fatal accident claims work
There are two main parts to a fatal accident claim – the dependents’ claim(s) and the victim’s claim - as well as a statutory award for bereavement which is paid separately.
Dependents’ claims
If one or more family members, including husband, wife, former husband or wife and cohabiters living as husband or wife for at least two years, child, grandchild, parent or guardian, grandparent, brother, sister, aunt, uncle or child of brother, sister, aunt or uncle, were financially supported by the fatal accident victim when they were alive, they can claim for the loss of that financial support.
Victim’s claim
If it can be shown that the victim endured physical or emotional pain or distress as a result of the accident before they died, compensation will be awarded for this. In addition, any financial loss the victim suffered following the accident will be compensated for. However, is the death happened instantly then neither of these will be the case and there will not be a claim for the victim.
Statutory bereavement award
As well as the dependents’ claims and the victim’s claim, there is a statutory award for bereavement. This is an additional damages payment which is a set sum to be paid when a fatal accident was caused by somebody else. The amount increased from £10,000 to £11,800 for deaths occurring after January 1, 2008.
If the fatal accident claim is successful, this sum must be paid by the negligent party, regardless of loss of earnings and the pain and suffering of the victim.
Making a fatal accident claim
If the fatal accident of a member of your family happened as a result of the negligence of someone else, you may be able to claim against them. Fatal accident claims work on a no win no fee basis, meaning that if you win, there will be no cost to you personally.
4 Easy Tricks To Score 110 In TOEFL
Scoring at least a 110 for Testing of English as a Foreign Language (TOEFL) is not an impossible task. You simply need to start preparing early by first coming up with an effective study plan that will help you ace the test on your first try. But what exactly is the most effective way to prepare for your TOEFL? Read on for 4 easy tricks to score well for your TOEFL test.
1) Choose the best TOEFL self-help guides for you
If you are unfamiliar with TOEFL, it’s important that you start becoming familiar with the test questions and structure. The best way to achieve this is simply by practising. Although this step might sound easy, you might initially feel overwhelmed by the sheer number of TOEFL self-help guides available these days. You can choose to get self-help books, CD-ROMs and even tapes. Don’t be easily swayed by advertising or nice covers. Take some time to think about which method will best help you absorb information. For example, if you get motion sickness easily from reading books on the bus or train, you might want to consider getting tapes so you can listen to them when you are travelling from one place to the other.
2) Consider enrolling in a preparation course
Taking up a TOEFL preparation course will definitely cost a lot more than simply getting some self-help guides. However, the help given during your prep course is generally more effective and valuable. This is because you’ll have the opportunity to personally raise any doubts or questions you have regarding a particular question. However, before immediately signing up for the cheapest prep course in town, ensure that your teacher is familiar with the TOEFL test and he or she can explain answers to difficult questions in a way that you can understand. Consider asking the school for permission to observe the class before signing up.
3) Learn some strategies to save time
You will see such similar answer choices often in TOEFL:
A) to destroy
B) destroying
C) destroyed
D) was destroyed
When you see such a question, take note that 90% of the time, the answer is either B or C. Since TOEFL generally tests on active voice (-ing form) and passive voice (-ed form), when you see both –ed form and –ing form in a set of answer choices, the answer is highly likely to be one of the two.
That is only one of the many strategies you can find out either from your prep course, or from intense practices.
4) Ask yourself if it sounds right
Everyone has the ability to think in real language without using our voice. That means that we can have a conversation in our mind as if the words have real sound. Our mind reacts to this virtual sound, not to grammar rules. In other words, we will be able to tell if a certain sentence sounds right simply by thinking it out loud.
Knowing this fact will come in very handy when you are stumped by a question. Consider taking turns substituting the choices given into the sentence and see if it sounds right. If it sounds good, more often than not, you have found the correct answer.
Although employing these four simple tricks will go far in helping you get beyond 110 for your TOEFL test, keep in mind that regular practice will always remain the key factor in acing any test.
1) Choose the best TOEFL self-help guides for you
If you are unfamiliar with TOEFL, it’s important that you start becoming familiar with the test questions and structure. The best way to achieve this is simply by practising. Although this step might sound easy, you might initially feel overwhelmed by the sheer number of TOEFL self-help guides available these days. You can choose to get self-help books, CD-ROMs and even tapes. Don’t be easily swayed by advertising or nice covers. Take some time to think about which method will best help you absorb information. For example, if you get motion sickness easily from reading books on the bus or train, you might want to consider getting tapes so you can listen to them when you are travelling from one place to the other.
2) Consider enrolling in a preparation course
Taking up a TOEFL preparation course will definitely cost a lot more than simply getting some self-help guides. However, the help given during your prep course is generally more effective and valuable. This is because you’ll have the opportunity to personally raise any doubts or questions you have regarding a particular question. However, before immediately signing up for the cheapest prep course in town, ensure that your teacher is familiar with the TOEFL test and he or she can explain answers to difficult questions in a way that you can understand. Consider asking the school for permission to observe the class before signing up.
3) Learn some strategies to save time
You will see such similar answer choices often in TOEFL:
A) to destroy
B) destroying
C) destroyed
D) was destroyed
When you see such a question, take note that 90% of the time, the answer is either B or C. Since TOEFL generally tests on active voice (-ing form) and passive voice (-ed form), when you see both –ed form and –ing form in a set of answer choices, the answer is highly likely to be one of the two.
That is only one of the many strategies you can find out either from your prep course, or from intense practices.
4) Ask yourself if it sounds right
Everyone has the ability to think in real language without using our voice. That means that we can have a conversation in our mind as if the words have real sound. Our mind reacts to this virtual sound, not to grammar rules. In other words, we will be able to tell if a certain sentence sounds right simply by thinking it out loud.
Knowing this fact will come in very handy when you are stumped by a question. Consider taking turns substituting the choices given into the sentence and see if it sounds right. If it sounds good, more often than not, you have found the correct answer.
Although employing these four simple tricks will go far in helping you get beyond 110 for your TOEFL test, keep in mind that regular practice will always remain the key factor in acing any test.
The Art of Pandora Jewelry Including Instructions, And More
Pandora jewelry has two main designers that inspire the creative makings of their charms, bracelets, necklaces, chains and beads. Let them design the perfect bead or charm for any occasion and use the unforgettable moments in your life to select and create the perfect dangle bracelet for you or someone special in your life. Browse through the categories to select beads with personal meaning from our collection to create your own bracelet design with the Pandora charms and beads you want on your chain, necklace, or bracelet. Each and every Pandora bead and charm only uses real gemstones. The only exception is zirconia. This is the only gem that is synthetically made to look like a diamond jewel. Pandora jewelry is not limited to just bracelets and charms. Pandora has a vast and broad jewelry inventory that includes earrings, brooches, dangles, charms, bracelets, necklaces, beads, rings, pendants, toe rings, chains and more. No matter what jewelry you are looking for, our Pandora collection has a little something for everyone. With so many choices of just types of Pandora charms alone; clips, beads, gold, silver, glass, and whatnot Pandora has something that will appeal to you. Pandora Jewelry offers classic and timeless beads and charms that will last for generations.
Pandora bracelets are always in high demand no matter the season. Not sure your bracelet size? No problem, you may use a tape measure in determining your wrist size. Simply wrap the cloth tape measure around your wrist and record accurately. Keep in mind that a great way of finding the correct size would be to make sure you are able to fit a finger between the tape measure and your wrist. This will help accommodate the Pandora charms or Pandora beads that will be added your bracelet so it is not too tight around your wrist. The bracelets, necklaces, and chains can come in 14k gold, sterling silver, sterling silver with 14k gold, and murano glass. In order to find the charms, beads or dangles for your Pandora bracelet, browse through the different categories, collections, and completed bracelets pages online. This will show you the top selling and most celebrated Pandora Jewelry that’s currently in vogue. Pictures of all these Pandora charms makes this quite easy to determine if these styles are what you are looking for.
Cleaning your Pandora jewelry is quite simple. All you really need is lukewarm soapy water and a toothbrush. Gently scrub the jewelry and then rinse in clean water. In order to remove the harder caked-on dirt soak for about 10 minutes before you gently scrub. For a shinier surface, consult with the sales associates at Wilkins and Olander. We can arrange for a cleaning at our store. You may also polish your jewelry with a certain polishing cloth that has a special cleaning solution. This special cleaning cloth and solution is available at Wilkins and Olander. As a warning, please do not brandish any Pandora jewelry to chemicals. The sterling silver charms manifest their detail by oxidation. And any exposure to certain chemicals may alter your piece of jewelry. Some of these chemicals include the types found in hot tubs, spas and pools. Liquid silver polish is another example.
Pandora bracelets are always in high demand no matter the season. Not sure your bracelet size? No problem, you may use a tape measure in determining your wrist size. Simply wrap the cloth tape measure around your wrist and record accurately. Keep in mind that a great way of finding the correct size would be to make sure you are able to fit a finger between the tape measure and your wrist. This will help accommodate the Pandora charms or Pandora beads that will be added your bracelet so it is not too tight around your wrist. The bracelets, necklaces, and chains can come in 14k gold, sterling silver, sterling silver with 14k gold, and murano glass. In order to find the charms, beads or dangles for your Pandora bracelet, browse through the different categories, collections, and completed bracelets pages online. This will show you the top selling and most celebrated Pandora Jewelry that’s currently in vogue. Pictures of all these Pandora charms makes this quite easy to determine if these styles are what you are looking for.
Cleaning your Pandora jewelry is quite simple. All you really need is lukewarm soapy water and a toothbrush. Gently scrub the jewelry and then rinse in clean water. In order to remove the harder caked-on dirt soak for about 10 minutes before you gently scrub. For a shinier surface, consult with the sales associates at Wilkins and Olander. We can arrange for a cleaning at our store. You may also polish your jewelry with a certain polishing cloth that has a special cleaning solution. This special cleaning cloth and solution is available at Wilkins and Olander. As a warning, please do not brandish any Pandora jewelry to chemicals. The sterling silver charms manifest their detail by oxidation. And any exposure to certain chemicals may alter your piece of jewelry. Some of these chemicals include the types found in hot tubs, spas and pools. Liquid silver polish is another example.
Subscribe to:
Posts (Atom)