Grapes, Nuts, and Your Dogs Health – Foods that Fido should Avoid

Posted under Term Life Insurance Whole by admin on Thursday 9 February 2012 at 4:18 PM

“Magoo was a big, playful Labrador retriever who often got himself into sticky situations…”

So begins a story in the latest report from the ASPCA on foods that may be toxic to dogs. It turns out that Magoo got into the pantry and snagged himself about a pound of raisins. He ate the whole thing, of course.

The ASPCA never mentions Magoo’s fate. But they do tell us that as little as a handful of raisins can impair a dogs health and has been fatal for some. Ditto for the grape.

Who Knew?

Growing up, I regarded our family dogs as “the first cycle of the dishwasher”. They were good about waiting their turn for whatever we left on our plates, and we weren’t too concerned about offering them “people food”. It never crossed our minds that our dogs health could be affected by a few measly table scraps. What was safe for us, we figured, was safe for our pets.

What’s more, whenever I ate grapes, I liked to give one or two to our German Shepherd “Tiffany”. The grapes always popped out of her mouth when she tried to bite into them and Tiffany, ever the good sport, refused to give up until she’d squashed each one into submission. It guaranteed at least 60 seconds of harmless fun.

Tiffany was also fond of chewing gum (she chewed it — wrapper and all — but didn’t swallow it!) We had the sugarless kind, which is often sweetened these days with xylitol.

Little did I know that I might have been poisoning our family pet! (More on xylitol below).

Why are grapes harmful?

As far as grapes and raisins go, no one is sure why they’re harmful. It’s been confirmed that even grapes grown without fertilizers or pesticides can be toxic to dogs. But not to every dog, and not every time. It’s also not known whether small amounts eaten over a long time period could have a cumulative effect.

What we do know is that the end result in nearly all reported cases of grape or raisin toxicity is acute kidney failure. (The term “acute” means that the condition is severe and comes on quickly.) The dog ultimately can’t produce urine, which means they can’t filter toxins out of their systems — a process essential to life.

During the twelve-month period in which the effects of grapes were studied, the ASPCA Animal Poison Control Center handled 140 cases involving one or more dogs. Over a third of the dogs developed symptoms ranging from vomiting to kidney failure, and seven dogs died. The ASPCA based their study on reported cases, so naturally there may be cases where a dogs health is entirely unaffected by eating grapes. But until they know all the facts, the Society advises against feeding pets grapes or raisins in any amount.

An ounce of prevention

So, your dog just scored himself a big box of raisins. What’s a pet owner to do?

The first line of defense, if the grapes or raisins were eaten recently, is to induce vomiting and administer activated charcoal (it absorbs toxins in the GI tract). Vomiting is also the first sign that your dog is in trouble, so skip right to the activated charcoal if vomiting has already occurred. (In a pinch you can make your own activated charcoal by charring a piece of toast until it’s blackened and crumbles easily.) Then call your vet right away.

Can’t reach the vet? Call ASPCA Poison Control: 888-426-4435

The vet will keep your dog on intravenous fluids for at least 48 hours and monitor blood chemistry daily. Normal blood work after 3 days usually means your dog is in the clear.

Keeping a watchful eye out, of course, is the best way to keep your pet out of trouble. Like children, dogs (and other pets) have a knack for getting into mischief when we’re not looking.

It’s Not Just the Grapes…

There are other foods your dog should be kept away from, and some of them may surprise you.

Here are some other foods that can put a dogs health in harms way:

Chocolate

Who can resist chocolate? Like it your not, your dog.

Chocolate is made with cocoa beans and cocoa beans contain a chemical called Theobromine, which is toxic to dogs. Different types of chocolate have varying effects on dogs health. Dark chocolate has the largest theobromine, coming in at a whopping 450mg (compared to 1mg for white chocolate). So on Valentine’s Day, you’re actually being kind to your best buddy if you eat all the chocolates yourself!

Cocoa Mulch

Cocoa bean shells are a by-product of chocolate production (which is how mulch made it into the “foods” category) and are popular as mulch for landscaping. Homeowners like the attractive color and scent, and the fact that the mulch breaks down into an organic fertilizer. However, some dogs like to eat it and it contains Theobromine.

Fatty foods

Fatty foods are hard for a dog to digest and can can overtax the pancreas, leading to pancreatitis. This can threaten your dogs health and is potentially fatal.

Nuts

Macadamia nuts should be avoided. In fact most nuts are not good for a dogs health since their high phosporus content is said to lead to bladder stones.

Mulch

Mulch isn’t food, but there’s one type tempting enough for dogs to eat. Some dogs are attracted to cocoa mulch, and will eat it in varying quantities. The coca bean shells can contain from 0.2% to 3% theobromine (the toxin ) as compaired to 1-4% in unprocessed beans.

Onions

Onions, especially raw onions, have been shown to trigger hemolytic anemia in dogs. (Stephen J Ettinger, D.V.M and Edward C. Fieldman, D.V.M. ’s book: Textbook of Veterinary Internal Medicine vol. 2 pg 1884.) Stay away from onion powder too.

Potatoes

Potato poisonings among people and dogs are rare but have occurred. The toxin, solanine, is poorly absorbed and is only found in green sprouts (these occur in tubers exposed to sunlight) and green potato skins. This explains why incidents seldom occur. Note that cooked, mashed potatoes are fine for a dogs health, actually quite nutritious and digestible.

Artificial Sweeteners

Xylitol is used as a sweetener in many products, especially sugarless gum and candies. Ingesting large amounts of products sweetened with xylitol may cause a sudden drop in blood sugar in dogs, resulting depression, loss of coordination, and seizures. According to Dr. Eric K. Dunayer, a consulting veterinarian in clinical toxicology for the poison control center, “These signs can develop quite rapidly, at times less than 30 minutes after ingestion of the product” states Dr. Dunayer, “…therefore, it is important that pet owners seek veterinary treatment immediately.”

Turkey

Turkey skin is currently thought to cause acute pancreatis in dogs, partly due to it’s high fat content.

Other foods listed by the ASPCA as harmful:

Alcoholic beverages

Avocado (the only “fatty” member of the vegetable family)

Coffee (all forms of coffee)

Moldy or spoiled foods

Salt

Yeast dough

Garlic

The Bottom Line

Thanks to a more educated public, fewer fatalities from foods like chocolate are being reported these days. But it’s important to keep up with what’s currently known about foods and their effects on dogs health. Grapes and cocoa mulch, for example, were only discovered very recently to have harmful effects.

Check frequently with sources like the ASPCA, or sign up for the “Cold Noses News” and we’ll keep you informed. (You’ll also get a bunch of cool dog stuff along with your free registration).

Of course, being alert and getting your pet to the vet promptly will help assure a happy outcome if something unfortunate should happen.

Here’s to your dogs health and good nutrition!

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Posted under Term Life Insurance Whole by admin on Tuesday 31 January 2012 at 8:34 PM

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Violence and Violent Crime – The Gender Consideration

Posted under Term Life Insurance Whole by admin on Saturday 28 January 2012 at 11:44 PM

Women and men both commit, and are victims of, crimes but are their perspectives, understandings and interpretations of crime (either as victim or perpetrator likely to be different)? How and why – or even if – is a matter of debate; theorising on these matters is difficult depending on the perspective of the researcher.

Men and women also commit violence but their motivations are likely to be different; men may do so to assert their dominance over a situation, a territory, or person; to ensure that their masculinity is not in doubt. Women may do so in defence of their children, themselves, family, friends and perhaps even their property. However, if women are becoming as violent as men for the same reasons as men, does this mean we are moving in a direction which is irreversible? Would such a trend, if it truly existed, necessarily be a perilous one? More importantly, why does the notion of women becoming violent (or becoming more violent) cause such consternation in society whilst violence by, and towards, men is accepted as part of their masculinity?

Women are statistically less likely to commit crimes, particularly crimes of violence; however, numbers of women being arrested, cautioned and imprisoned for violent offences are rising. Media reports and government statistics all appear to show that women are increasingly involved in crime, particularly violent crime. In England and Wales, the number of females in custody was 4,445 (24 November 2006) with the highest number being attributed to drugs offences whilst violence was second. In Scotland, the figure was 326 (24 November 2006), though ambiguous as it does not specify the gender of (i) ‘lifers’ who have been recalled (ii) those convicted but awaiting sentence/deportation (iii) those under sixteen years of age. Williams states that, in a nine year period, there was a rise of 140% for female offenders incarcerated (1993-2001) despite the fact that offending rates remained relatively stable. In the United States, figures show that although incarceration rates were rising, violent offences by women were going in the opposite direction; women’s involvement in violent offences showed a minimal rise (from 10.8% to 12.3%). This may, however, be reflective of changes in recording, prosecuting and incarcerating female offenders rather than any actual increase in the rate of female offending itself.

Violence is often fuelled by substance abuse, via alcohol or drugs or both and this is the case both for men and women. Males perpetrate the highest numbers of crimes, violent or otherwise, and they also account for the highest number of victims of violent assaults; women, however, as perpetrators of violent crimes in particular are on the however women are apparently working hard to catch up. Certainly, the media portrays young women as being ‘as bad as boys’ when it comes to violence, particularly when fuelled by alcohol; city centres across the UK have a large problem with violence but this is possibly due to an increasing culture of binge-drinking. Indeed, as recently as December 2006, reports of violence fuelled by alcohol were in the news again; this time, however, the focus was not the violence as such, but that the perpetrators of the violence were female.

A BBC article quotes Dr Jon Cole of Liverpool University who believes that, whilst it does not cause aggression, alcohol stops sensible choices being made “You make the easiest choice, which is often aggression”. The same article refers to a study by The Glasgow Centre for the Study of Violence which showed that women were involved in almost half of all the pub fights observed. Further, medical research shows that testosterone levels in women rise by fifty percent in females, but is lower in males when they become drunk.

Violence however is a term which can be interpreted in many ways: one particular study shows females’ understanding and interpretation of violence is unusual (see Burman below). There are accepted definitions of violence or aggression: crime is “an action which constitutes a serious offence against an individual or…state…”; violence: “behaviour involving physical force intended to hurt, damage, or kill; strength of emotion or of a destructive natural force”. Aggression: “hostile or violent behaviour or attitudes; the act of attacking without provocation…”.

In the study undertaken by Burman et al, verbal abuse and the spreading of rumours was seen as ‘violent’ or more aggressive than physical violence (such as being punched). If verbal, rather than physical, violence causes more concern girls, should we take this as an indication that girls consider violence to be a psychological rather than physical problem? Why do some girls have a greater fear of violence which is spoken whilst most people, and particularly boys, are more inclined to class violence as a physical assault?

Fear of violence is often more potent as it is the ‘unknown’; the precise time and place of being the recipient of violence is unknown with domestic violence victims, but they are kept on alert because they know it is going to occur at some point. However, from a legal point of view, violence and violent crime, is where physical injury is inflicted and only in recent years was psychological trauma accepted as a ‘violent offence’ (see Protection from Harassment Act 1997).

Given the low numbers of women who offend, both historically and in recent times, it is unsurprising that studies into female criminality were either ignored or undertaken in relation to their interaction with, and response to, male violence and criminality. It is also unsurprising that female criminologists found the need to fill this gap. In the past, women were classified into two types: mad or bad. Most female offenders convicted of violent crimes were seen as women who fought back against domestic violence or who protected their children; others were considered ‘evil’ and historically, were considered witches or concubines of the devil. We may now have a better understanding of criminality, but this has not stopped the ‘bad’ or ‘mad’ viewpoint from being represented by the media, the public and in some quarters of the criminal justice system when females are involved.

Women are viewed as more deviant than their male counterparts as they have not only offended against the criminal code but also against social convention. Whereas social rules and convention have changed over time, women are still considered to be mothers, wives, lovers and workers but not offenders; rarely do we expect women to commit violent offences. Those who do are vilified for years possibly serving longer terms than male counterparts, particularly when they offend against those they are supposed to protect.

Myra Hindley and Beverley Allit both murdered children; Allit did so as a nurse so could be again seen as doubly deviant as her occupation – as well as her gendered role – was one of carer.

It is difficult of course to do a proper comparative analysis without knowing the details of the ‘violence against the person’ offences committed by both men and women. There are a number of ‘assaults’ committed by women which may well not have been prosecuted had they been committed by men; it is impossible to say without knowing more about both the offence and the offender (regardless of gender). Obtaining goods for sale (to provide money to pay bills/food) or obtaining goods – such as shoplifting food/clothing is more common among female offenders than males. Analysis of current statistics shows that the highest number of female offenders committed ‘drugs offences’ with the second highest being for ‘violence against the person’ followed by ‘theft and handling’. For many, women who commit violence do so mainly in self-defence or protection of a child; females are not seen as inherently violent. But is this perception false or misleading?

Most studies of the culture and phenomenon of gangs tend to focus on males (though some do mention ‘girl gangs’ or girls in gangs as a peripheral but distinctly intricate part of a predominantly male gang). However, a problem arises which is twofold: firstly and perhaps obviously, not all female offenders – violent or otherwise – are in gangs. Secondly, there is a danger that the study will produce results more likely to provide an insight into gang culture rather than any comparative study of female and male criminality.

Current statistics show the highest number of female offenders committed ‘drugs offences’ with the second highest for ‘violence against the person’ followed by ‘theft and handling’. For many, women who commit violence do so mainly in self-defence or protection of a child; females are not seen as inherently violent. But is this perception false?

One of the possible reasons behind women committing fewer ’serious’ offences could be their role as mother/carer. Given that a large proportion of children are either brought up by single mothers or by mothers due to fathers working longer hours (or being the sole breadwinner) women generally have the main, if not sole, responsibility for child rearing. Therefore, the ability for women commit crimes – unless they left their children elsewhere, or were childless – was severely restricted. The risk of being caught and sent to prison – and violent offences generally attract higher tariffs – meant that any benefit of committing a crime seemed unattractive. Of course, this assumes that women who commit offences chose to do so for pragmatic/rational reasons; classicists will be jumping for joy!

In terms of victimisation, women are largely accountable for rape or other sexual assaults but even here the amount of disproportionate statistical analysis is difficult given that male rape and male sexual assault is under-reported and (in some countries) legally ignored. Stigma attached to victims of sexual assault is horrendous for female victims but this is more so when victims are male. This is largely due to men being perceived as (i) the aggressors or (ii) physically able to fight off an assault.

In England and Wales, legislation is quite specific in terms of the crime of rape in that a penis must be inserted into either a vagina or the anal passage (or mouth); so whilst a victim may be either male or female, the perpetrator must be male. In Scots law, the act of rape can only be committed by a man on a woman; male on male sexual assault is just that – sexual/indecent assault but not rape. Where victim and perpetrator are one and the same (e.g. an abused wife retaliates against her husband) there are inconsistencies between the genders. According to CEDAW, women are more likely to ‘to be killed than to kill’ but the legal system discriminates; women who kill their [often abusive] husbands are convicted of murder whilst men who kill their wives are convicted of manslaughter. Thus, if convicted of murder which women are, the only sentence available is life; even when convicted of murder, men and women are still treated differently with tariffs higher for women than men.

Male perpetrators may be more selfish in their approach to crimes; committing offences which are directly of benefit and which give an immediate sense of gain. In violence, men use violence as a first, rather than last resort, as it on two levels it gets them what they want: the first is the object of their attention, the second is status and self-belief in their own ability. Violence for many men seems to be a way to [re]assert their masculinity. Violence committed by women – on the whole – appears to be a last resort; there was no other way to get either in or out of a situation and thus violence was used.

Of course, there are criminal couples: men and women who work together – though not necessarily in harmony – to make financial and other gains. Prostitutes have for many years used (and been used by) male pimps. The men offer protection, security from harassment whether this is from other working women, volatile clients and other pimps who want to ‘muscle in’ on the money earned by the prostitute.

The pimp will use violence as a means of asserting his status has being in control of both the woman and the environment within which they work. Of course, the prostitute herself is committing a criminal offence in soliciting on the street and may herself use violence against her client and other working women. The implied consent that women give to men who pimp them is that violence is acceptable: they will not want nor like the violence used against them but most accept it as part of their lives and also want the volatility of the pimp to be known to others as a way of protecting themselves from other females and clients.

Theorising about the motivations which drive offenders, male and female, tends to mean that we encapsulate whole groups of people by defining them on the basis of individual psycho-social profiles. This may be applicable for instances where groups commit crimes on a large scale, over periods of time, such as ethnic cleansing (which often entails the mass slaughter of males and systematic rape and impregnation of females – as seen in Bosnia for example).

Of course, systematic rape of females – and occasionally males – is a form of violence often used by groups of individuals sanctioned by the state (as seen in war situations) and also individuals in a domestic setting (the husband who forces his wife, girlfriend, etc.) and sexual violence is almost unique in that women – particularly in Scots’ Law – are not convicted of rape. There are cases where accomplice of facilitation of rape is conducted by a female against another female but these tend to be rare. One example would be the sexual abuse of young women by Fred West who raped and abused women with his wife; even here, however, the case showed that Fred West has systematically abused his wife and thus she may have complied and committed these acts to reduce her own victimisation.

Crime in general, whether violent or otherwise, may be more easily identifiable as a male characteristic in society rather than female simply because of historical social conventions. Women had to care for their homes and families; opportunities for women to offend were minimal in that they had limited access to places which would allow them to commit crimes. Men, on the other hand, were often the workers, the drinkers, the socialisers (women entertained their friends, but this was often in homes rather than public houses, etc.) and thus opportunity was greater for them. If nothing else, in historical times, the clothing a woman wore would make burglary (e.g. entering a house via a window and then removing goods) quite difficult though perhaps not impossible! Even in more recent times, women were seen to steal for ‘good’ rather than ‘bad’ reasons: they stole food from supermarkets rather than goods to be sold for hard cash.

Those who were caught may cry and reduce themselves to the ‘helpless desperate female’ and an invariably male security guard or store manager, may find himself torn between chivalry or sympathy towards the woman and his job. If a man was caught in the same act of theft, it is possible that (if denial did not work) then aggression would result in a negative reaction from staff and thus prosecutions of males were more likely.

Given that males generally appear to be more confrontational – and this may be anthropological in origin – whereas woman appear to take the path of least resistance, it is possible that perpetrators of crimes (particularly non-violent crimes) are likely to find that their gender reflects their culpability in the eyes of the law and any enforcement officers.

Over the last few years, and in particular in relation to younger offenders, females are less likely to be able to use their gender to escape punishment (though there may be some instances were this still applies, for instance speeding in cars). Whereas historically women might have been viewed as immoral, but not necessarily criminal, recent years have seen a shift so that they are not only immoral but most definitely criminal and thus should be treated equally by the criminal justice system. Inevitably, however, the public will view the criminal female as more criminal or more deviant than her male counterpart.

Women may also have a more pragmatic approach to criminal activity, violent or otherwise. It might be that they are more careful about exposing themselves to temptation for certain crimes (such as theft, fraud, etc.) or are so careful that they may go undetected. Men may well approach crime with a more arrogant attitude and feel their ability to escape detection is greater than male or female counterparts.

What theories therefore can be applied, if any whether partially or wholly, to violence and the men and the women who use it? It is difficult to state which ‘criminological theory’ can actually be applied completely to criminality without being considered either aligned to one discourse or another even if the intention is to avoid this. It may be impossible to apply the same theories of criminality for men and women given that attempts thus far have failed to provide any conclusive answer into the causation of criminality in female or male crimes.

The problem with analysing the comparison between male and female offenders is that whilst their motives might appear different, this is not necessarily the case. Influences such as biology, psychology, economic and education as well as society in general will have an impact on each individual’s behaviour and their understanding of what is acceptable. Violence is so often used as a means for dispute resolution – particularly in the younger generation – that we may be on an irreversible path.

As seems common within criminology, in order to explain criminality, attempts are made to encompass causation with one particular ideal or theory; it is due to this attempt to treat theories as mutually exclusive which results in failure.

Women are different in terms of their responses to crime and in particular violence, their use of violence against others and their understanding of violence and crime in general. Women have been dominated for so long and now they choose to fight back, they are regarded as more dangerous. They are altering perceptions held over a long period of time; that is not to say women will turn into Amazonian women ready to dominate the world and make men submissive creatures! However, if we – as women – want equality, it seems we have to fight twice as hard (even if that fight turns physical).

The criminal justice system now deals with far more women offenders than previous decades, but this is also likely to be in part attributable to the medicalisation of female offenders in the past. Now that this is no longer the case, women are identified as criminal not [mentally] ill and thus greater numbers are being included in criminal offending statistics. Greater reporting to the police, due to insurance requirements among other things, means that whereas those offences which may have been overlooked for being petty no longer are treated as inconsequential.

Whether one looks at the lack of implementation of equality for women, or whether men’s masculinity is eroded by women’s empowerment, whether abuse victims abuse others so they can gain control and power over another, many individuals commit crimes for reasons understood only by them – and perhaps not even then. Theories of crime, causation and criminality will be at ever increasing odds as elements of classicism, positivism, strain theory or a ‘pick-and-mix’ approach to all three are rejuvenated depending on the year or decade.

Advances in sciences (natural and social) may also play a part in the future of how criminality is considered; genetic or even social predisposition for criminality is not something which is seen on the movie screen, it is a reality which will be hitting us very soon if indeed it has not already done so.

Indeed, September 2006 saw the Labour Government publish their plans to improve families’ potential for achievement by the possible local or even governmental intervention for ‘problem families’. Critics were reported as fearing that the Government was entering the dangerous field of eugenics (so fatally but effectively seen during the Holocaust) or by creating ASBOs for children who were yet to be born on the basis of their parents’ socio-economic status.

Where does this leave the field of criminology? Governments may look to criminologists and other social scientists to address the question of crime and criminality and causes thereof but they may give limited terms of reference for research projects.

Criminology seeks to provide a definitive, exact answer to an inexact and (at times) inexplicable question: why do people (whether male or female) commit crime? Perhaps this is its failure and why, despite a growth of writers on the matter, nobody has arrived at an answer (which I argue is not possible in any event). Sociological, economical, psychological and biological factors all have to be considered and taken into account when dealing with any offender, male or female. Many treat criminal causation theories as mutually exclusive.

Criminological theory – even when considering all the elements therein – seeks to find a definitive answer where it is likely that none exist. Lack of a definitive answer, however, does not necessarily mean criminology has failed; it needs to evolve again. Perhaps for criminological theory, answers to questions are as fluid as the times in which they are considered. Evolution of criminology and the theories therein mean criminologists will have to choose the most logical and pragmatic elements, and discard elements which are obviously flawed (whether in whole or in part). This may be the way forward.

Word Count: 3613

Bibliography

“Textbook on Criminology” Fifth Edition. Williams, K: Published by Oxford University Press: 2004

“Race, Gender & Class in Criminology: The Intersections”. Edited by Milovanovic D & Schwartz M D Published by Garland Publishing in 1996. Chapter 7: “Sentencing Women to Prison” by Chesney-Lind, M

Concise Oxford English Dictionary: 11th Ed. Revised. Oxford University Press (2006).

“‘Taking It To Heart’: Girls and the meanings of violence.’ The Meanings of Violence” Burman, M, Brown, J & Batchelor, S. Published by Routledge in 2003.

England & Wales Official Prison Statistics: HM Prison Service: October 2006 Official Population Figures

Sexual Offences Act 1956; Criminal Justice & Public Order Act 1994; Sexual Offences Act 2003. Produced by HMSO.

“Violence Against Women in the UK” Kelly, L; Humphreys C; Sen, P & Womankind Worldwide. CEDAW Thematic Shadow Report. Published in 2003.

BBC News Website: http://news.bbc.co.uk/1/hi/uk_politics/5312928.stm dated 5th September 2006

BBC News Online Magazine: ‘On The Lash’ by Megan Lane & Tomiko Newson (see link: http://news.bbc.co.uk/1/hi/magazine/6213686.stm) dated 8th September 2006.

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Open for Questions: Women in America

Posted under Term Life Insurance Whole by admin on Thursday 26 January 2012 at 7:22 PM

White House Senior Advisor Valerie Jarrett, Chair of the White House Council on Women and Girls , and Preeta Bansal, General Counsel and Senior Policy Advisor in the US Office of Management and Budget, answer your questions about women in the workplace, education and work-life balance. March 30, 2011.

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Posted under Term Life Insurance Whole by admin on Wednesday 11 January 2012 at 12:50 PM

TI -Live Performance 12/08 All Rights Reserved chemjb – 2010

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50 Ideas For Increasing Profits and Cost Reduction

Posted under Term Life Insurance Whole by admin on Saturday 7 January 2012 at 10:34 PM

Do you want to know 50 great profit building ideas that you can put to immediate use in your business to increase profits and reduce costs?

If yes, read all these ideas that have been implemented by clients and have benefited them giving their businesses dramatic boost in profitability. Most ideas can be put to action immediately. Each idea has the potential to give you many %points increase in net profits.

Research shows profits increase by 4%-56% and costs reduce by 18%-37% within 2 years using the simple 5 step process called the Profit Maps Model. Usually a 5% reduction in cost is adequate to turnaround most loss making businesses.

Businesses can calculate the value of the savings by these 2 simple formulas

If the business made a loss

Total Costs and Expenses = sales + absolute value of net loss +/- income tax = say X

Minimum Savings you will make in 2 years = 5% of X (which was calculated above)

If the business made a profit

Total Costs and Expenses = sales + net profit +/- income tax = say Y

Minimum Savings you will make in 2 years = 5% of Y (which was calculated above)

So how much can you save? Improve your profits by?

Revenue

This category typically contains inflows of resources into the business generated through operations.

Needless to say the profit building process can be used to generate marketing and sales ideas. The following ideas were generated with the objective of increasing revenue with little or no impact on the cost structure.

Revenue Increasing Ideas

1. If your company has facilities located over a multi-geographical area you may be able to rent antenna space to cellular phone companies. Typically these companies will pay for the use of rooftops as a place to erect their antennas. Another option is for billboards as advertising if you occupy a central location with a high visibility building. This enhances your revenue without any additional cost you. The point here is to explore alternative uses for your facilities. Remember they are assets that can be used 24 hours a day, seven days a week. There are numerous opportunities available for increased revenue if you look for them. Training room and function room facilities can be rented out in the evening or weekends. How about spare land or excess slots you own for public car parking?

2. Determine whether your business can market commission and non-commissioned products as add-on sales. Look for opportunities to sell products to your existing customer base at no additional cost. Examples are catalogue sales to airline passengers and the sale of miscellaneous products to credit card customers. You may have the opportunity to do something similar. Your customers have more value than you realise.

3. Is there any additional value in your customer database? Perhaps your business could generate additional revenue by selling the data. Alternatively consider starting a telemarketing department to market another line of products or services. Depending on your business and the nature of your customer base you may have something great here.

4. Explore the advantages of an effective e-strategy including e-commerce, e-business, e- people and e-technology. There is no question that the new opportunities available through the Internet offer new and innovative ways to increase profits and reduce costs. Consult with an expert in this area including a cross-section of your employees and magic will happen.

5. Segment your customers into heavy user and light user categories and determine the difference between these two groups. What needs to be done to generate another sale from both categories? All customers are critical. What can you learn about the different types of customers to determine whether more selling occasions possible? Make the most of these customers; you already have them.

6. Develop retention strategies as well as growth strategies. In today’s markets, it is as important to hold on to your existing customer base as it to grow your business. It took you a certain amount of resources to attract your customers: you may want to explore ways to retain a high percentage. What is your cost to acquire a customer? What is your cost to retain a customer? Do your employees know?

7. Continue to look for augmented products and/or services that would add value without adding expense.

8. Explore opportunities to licence or franchise your business products or services for additional market share or penetration

9. Explore merger and acquisition scenarios where efficiencies would be gained for all businesses concerned.

10. Develop a relationship with a long-distance carrier whereby your company will distribute phone cards to your customer base in return for a fee or residual commission.

Salaries

This category typically contains charges associated with

· Management Pay

· Non-management Pay

· Hourly Wages

· Training Labour

· Overtime Pay

· All Other Pay, Wages and Salary items

Cost Saving Ideas

11. Establish a 45 to 60 hour per week work environment among the managers. Cost structures among your competitors are basically similar to your cost structure so you will obtain an advantage because your managers are working more hours. This assumes that your managers are productive. Managers who have responsibility for a workforce of hourly employees are usually at the facility, a retail outlet, restaurant or office at least this amount of time. Sometimes business volume is extremely low at early or closing hours. During the slow hours managers can save substantially by scheduling fewer employees and filling it themselves. In addition to the Labour savings, managers will become more knowledgeable about operations and will find ways to improve customer service, training and operations. I have put this procedure in place in several places. At the beginning there will always be resistance, but once managers get beyond the initial hump things will run smoothly. I also find that certain incentive programmes work well here. Get the manager’s incentives based on Labour dollar saved and they come to understand the process.

12. Effectively manage your salary administration programs. Many companies pay lip service to this principle but failed to obtain true levels of success in salary administration and management. To start, make sure you have a salary range for every position in the company. Salaries should be structured so that the midpoint is 100, the minimum is 80% and the maximum is 120%. The basic philosophy is that the candidate should be hired into a position between the minimum and the midpoint on the basis of his or her level of experience. The employees are then moved higher in the range on the basis of performance. This philosophy is based on the premise that mid-point is the amount the position is worth to the company. Employees can obtain an additional 20% through stellar performance. Few employees should be paid over the 120% range. Each job is worth a specific amount to the organisation. If a new hire needs training to become efficient in a particular job, that employee is working at a level below the worth of the position and therefore should be paid at the minimum salary range. When the employee’s performance rises at successful completion of training and can perform 100% of the job duties move the employee quickly toward the midpoint of the salary range.

13. Insist that a salary survey be done every year to ensure that you have achieved the desired community position relative to your competition. In this case the competition is those companies that would recruit your employees. You need to make sure that if you survey 10 competitors; you have a salary range higher than 75% of these companies for your key positions and higher than 50% of these companies for lower-level positions. Implementing this strategy will help you reduce turnover and will also ensure that you are not overpaying for positions.

14. Make sure your salary administration program allows for regular salary review. Typically, this is done once a year for salaried employees and every six months for hourly employees. The review should include a performance appraisal form and the employee’s performance levels should correspond with established pay increases. In other words, establish the pay for your performance review system.

15. Establish a bell curve of salary increases. Let’s say that approximately 8% of your employees are superior performers, 12% are above average, 60% are average, 12% are fair, and 8% are poor. Create a salary increase guideline that mirrors this curve, with the better performing employees receiving higher increases. For example superior employees are given 6% to 7%, above average employees 4% to 5%, average employees 3%, fair employees 2%, and poor employees 0%. This allows the organisation to check and reward performance whilst still meeting its salary increase budget. Obviously, your goal is to continue to train and develop your workforce. Occasionally, low performing employees have to be replaced with those most suited to the position. The Bell curve is just a process to ensure that star performers are recognised and rewarded for their work.

16. Establish the salary increase guideline budget and stick to it. Plan salary increases for the coming year by using the Bell curve mentioned in the above idea. Department managers should budget salary increases for employees assuming that the next year’s performance will be at the same level as this year’s. Please be aware that some performance ratings will change. There will always be exceptions. This process will help ensure that your organisation will remain within the new salary increase budget.

17. The salary increase guideline budget should be preapproved. When a different rating is submitted during the year, treat it as an exception and make sure to justify it because performances can change- it may go up or down. A strict salary administration program will ensure that budgets are achieved.

18. Establish a training rate for all appropriate positions. This is crucial when your organisation experiences higher levels of turnover during the first and second months of employment. The training rate is lower than the standard pay rate and is applicable only during the training period. Employees are given a raise once the training has been completed satisfactorily. Determine whether the training rate could be established for other positions in the organisation.

19. Where the training rate is not appropriate, establish a probationary rate for the standard 90 day period. This rate is lower than the standard pay rate and is applicable only during the first 90 days of employment. If performance is satisfactory, the employee will receive a raise to the standard pay rate. Determine whether a probationary rate could be established for all positions in the organisation.

20. Develop a labour-management system whereby a computer predicts daily or hourly volume and the amount of labour needs on the basis of seasonality. Most businesses have a trend cycle that can be measured with 15 minute increments. First, you must find a way to get past the notion that your business cannot be tracked this way. There is a pattern to your business. Discovering your business pattern is the first step toward determining how to manage your Labour cost. Management will give you many reasons why the business cannot be tracked. Once you work through all their concerns, you and your team can identify those trend items, aspects of your customer behaviour that, in fact, can be tracked and schedule Labour accordingly.

21. Determine whether your new hires would qualify for the targeted job tax credit program whereby a percentage of training dollars is refunded by the government.

22. Determine whether your organisation would qualify for tax benefits for providing employee childcare services.

23. If your employees handle cash transactions, install software driven cash reconciliation process to save time at shift changes and at closing. This will also reduce cash shortages. This type of procedure also saves time in the cash out process.

24. Constantly look for software modifications that can reduce labour. Seconds saved could also mean dollars earned. Using technology is a natural approach to the whole effort of productivity improvement. If your business has not recently explored this area, effective tools that currently exist may surprise you.

25. Have an industrial engineer evaluate your business in terms of time and motion studies to determine whether additional efficiencies can be achieved in areas where high throughput is important. This approach can still work today. Some managers run their businesses the same way they did 10 or 20 years ago. Time and motion studies can have an impact on cost savings, productivity, customer service, and employee morale.

26. Establish a self-regulating team with the specific responsibility of improving productivity and reducing costs in a particular department or area of the organisation.

27. Develop an incentive to reduce absenteeism. This incentive should be linked to productivity improvement goals and to the availability of the workforce. It should be based on reducing absenteeism from previous period. The incentives could be a vacation bonus based on a 1% reduction in absenteeism

28. Develop a variable pay program whereby management salaries are reduced 5% to 10% across the board and these dollars are set aside into a bonus pool. When there is goal achievement, managers have the potential to earn even higher levels of compensation. However, these dollars will be at risk if managers do not achieve profit objectives. The potential to earn even higher levels of compensation will help sell this item.

29. Controlling your staff turnover is another way to reduce operating costs. Implementing strategies throughout the entire human resources cycle to ensure that all systems, procedures, policies, and practices are tight preventing employees from falling through the cracks. I refer to this as the human resources closed loop. If you think about it you will see that there is a cycle to the human resources process. It starts with recruitment, interviewing, selection and placement and continues to orientation, training, salary administration, performance appraisal, development, promotion, and finally termination. Then the cycle begins again. Make sure that all of the areas mentioned are employee friendly and are designed to retain employees. Identify any areas where improvements would reduce the number of employees leaving.

30. In order to determine where are to place additional controls, measure your labour costs in terms of cost per unit, cost per test, cost per guest check, etc. Breaking your labour costs down to the lowest unit will help you better identify cost saving ideas. It will also make it easier to affect and control.

Other Personnel Costs

This category would typically contains charges associated with

· Applied Payroll Burden

· Superannuation Employers Portion

· Vacation

· Paid Holidays

· Sick Leave

· Bonuses

· Short/Long term disability

· Group medical

Cost Saving Ideas

31. Make sure your company has a program that offers all full-time employees the opportunity to receive a higher salary in lieu of accepting certain benefits (such as medical, dental and life-insurance). Today many employees are being carried on a spouse’s plan. Why not let these employees choose a higher salary instead of benefits? As long as salary increases less than the cost of benefits, the company will save money and employees will increase their income.

32. Evaluate the cost of your superannuation administration. There are competitive programs that can reduce administrative costs. A simple evaluation of three different companies will determine whether you have an opportunity to realise savings. Even if you do not want to change the current superannuation administration you may still be able to negotiate better terms by showing your evaluation.

33. Reduce workers compensation insurance by aggressively reducing accidents. Evaluate your workers compensation actual to determine your claims history. Most companies set an actual rate and never re-evaluate them even though their experiences change. Depending on your business you may be surprised at the potential savings here.

34. Using the Internet conduct benefit surveys to comply your cost with those of similar organisations.

35. Challenge third-party providers to reduce administration costs by using the Profit Maps Model and passing those savings along to you.

36. Continue to monitor workers compensation costs and develop action plans to reduce them.

37. Develop a back to work programme that puts injured employees in alternative positions. There are times when injured employees want to remain active in the organisation and appropriate positions are available.

38. Negotiate settlements when long-term workers compensation situations dictate.

39. Eliminate alcohol at all company sponsored activities. This approach can prevent accidents, cut beverage costs at functions and reduce risks.

Communications

This category typically contains charges associated with

· Long-Distance Telephone

· Cellular Phone

· Pagers

· Data lines

· Fax lines

Cost Saving Ideas

40. Authorise a telecommunications consultant to analyse all your communication costs in terms of rates charged, equipment used, and programmes offered, promotions available, usage, cellular phone options, long-distance carrier performance and pricing, fax and security line combinations, past bills, and so on. Structure the contract so that the consultant bills on the basis of percentage of cost saved or refunds received. In this way, there will be no cost to you if the consultant is not successful in improving your bottom line. Review all areas of communication to ferret out these pockets of expense that often go unnoticed. Pagers and cell phones are usually ordered and distributed without the benefit of an organised plan. There are real and meaningful discounts if you shop around.

41. Continue to renegotiate rates and terms with the vendors who provide services. Set up an ongoing procedure for constantly renegotiating rates and terms.

42. Monitor and control your communications cost on the basis of the cost per unit test (guests check, or that like) in order to determine locations for exerting any additional control.

Utilities

In this category typically charges associated are

· Gas and Electricity Usage

· Water

Cost Saving Ideas

43. Authorise a utility consultant to analyse your utility costs. Such consultants would know how to deal effectively with the local public service companies in order to discover advantages or missed opportunities associated with gas and electric services. They should be fully authorised to check existing equipment and records. They should be experienced in developing an index and analyses and creating demand graphs to spot situations where you may have been overcharged. They would also represent your issues to the public utility commission.

44. Pay your consultant on the basis of a percentage of the savings associated with his or her action steps. The typical rate is 25% to 30% of the demonstrated savings and refunds over a specific period of time. There should be no charge if savings are not demonstrated.

45. Take energy conservation action steps including setting thermostats at 72°F. Automatic controls should be put in place to control temperature during off hours.

46. Turn off lights in conference rooms, restrooms and officers when they are not in use.

47. Turn off all lights not related to security at the close of business.

Professional fees

This category typically includes charges associated with professional services such as

· Legal and Human Resources Related Fees

· Proposals (domestic and international)

· Fees for Technical Services

· Other professional fees

Cost saving ideas

48. Talk about fees. If your lawyer does not bring up the subject of fees, you should. Do not be shy. In business, lawyers are free to set their own fees. The best time to discuss is at the beginning of a new legal matter.

49. Try to settle cases rather than litigate.

50. Have lawyers design standard forms you can use in routine transactions.

Conclusion

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Life Insurance Beneficiary Designation Information

Posted under Term Life Insurance Whole by admin on Monday 2 January 2012 at 10:18 AM

Life Insurance beneficiary designations, have you ever heard of this before? Do you know what it is and why it is so important for you to understand? There are different ways for you to leave your death benefit to your beneficiary and you should know what they are and how they differ.

o You can list a Trust as a beneficiary- Upon the death of the insured the trustee will administer the funds by following the instructions set in the trust provisions. While there are some advantages of naming a trust, there are also some disadvantages.

o You can name Your Estate as a beneficiary- While there are reasons that you may want to name your estate as beneficiary often it is not desirable. The main disadvantage is that your death proceeds become part of the estate and are subject to the claims of creditors.

o You can list a minor as beneficiary- This is a common practice to name your minor child as a beneficiary but please understand insurance companies will not pay proceeds to a minor. For this reason it is necessary and very important to name a guardian to be appointed to receive the funds on behalf of the minor. When naming multiple children as beneficiaries it is desirable to list a class designation. A class designation should be used whenever there are multiple beneficiaries that will be sharing a death benefit. In addition to the class designation there are definite benefits to using the per capita and per stirpes designations for children.

o Per Capita- (means by the head or individual) the use of this designation means that each surviving child shares equally in the division of the death benefit.

o Per Stirpes- (means by stock, family line or branch) the use of this designation means that the division of the death benefit will be split throughout the appropriate generations. This designation can become quite involved and full understanding of how it works is necessary.

This article was written not to explain how all the designations work but merely bring them to your attention. After reading this I hope you can see the importance of dealing with a life insurance agent that understands beneficiary designations and their proper use.

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