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ASO as a Group Benefit Funding Method
2013-02-17 11:55:00 (читать в оригинале)Many employers offer group insurance programs to provide security for their employees, Budget conscious business employers are also looking for where they can get the biggest bang for the buck and an ASO (Administrative Services Only) plan might be for them. In Canada there are basically four different methods of funding benefits:
- Pooled
- Experience Rated
- Retention Accounting
- Administrative Services Only (ASO)
The names of the above may differ from company to company but these are essentially the standards in the insurance industry. The last funding method is the ASO, and this type of funding method has been getting a lot of hype because of because of the potential cost saving benefits to the employer. Although there are some carriers and Third Party Administrators offering ASO’s on small groups, it is often seen with large employers with a stable and predictable claiming pattern.
An insurance carrier is contracted only to adjudicate the claims on the employer’s behalf. Essentially this is a self-funded group benefit plan. There is no insurance element with and ASO, the only exception is the pooling protection for large Health claims in Canada. An ASO does have quite a bit more risk as the insurance company or third party administrator does not keep any reserves and the financial risk is taken on by the employer.
An ASO may be a good solution for your company if you can tolerate the expenses fluctuating in accordance with employee claims and if you feel that the risk is worth the potential for cost-savings.
Training Traditional Martial Arts
2013-02-17 11:55:00 (читать в оригинале)






Have a read of the article below… we are sure you will find it dots all the ‘i’s', and crosses all the ‘t’s’. On our site we strive to provide the most up-to-date information. Remember that you read it here first, and please tell your friends.
Training Traditional Martial Arts
Submitted by: Peter Vermeeren
All to often traditional martial arts and those who practice these ancient arts are considered dreamers, fools or historical mummies because we are training arts that flourished 400 or more years ago. These people can not understand the reasons why we study archaic weapons like sword, bow, spear, halberd, etc? Their n?1 line is ” you can never walk on the street with these weapons” But that is not all. Traditional kata training is considered foolish , a waste of time not realistic??.. How little do these people understand of the traditional training and the underlying concepts….
Unlike the rest of the world Japan has been isolated from external influences for the biggest part of it’s existence as a nation. For over 1500 years the Japanese have been involved in internal struggles, battles and full scale wars. They had to defend themselves against the Mongol invasions, conspiracies amongst themselves and assassinations.
Because of their isolation from the rest of the world, new inventions like gunpowder came to them very late. The rest of the world was tasking giant steps in modern armament development whilst the Japanese on the contrary did not depend on weapon development to fight their battles.
After having perfected the weapons the had and having explored all the different ways a bow can fire, a sword can cut and thrust, a punch and kick can be given and a Naginata can slice they came to the conclusion that the deepest secret of martial arts was not to be found in the type of weapon, the thickness of the yoroi, the strength of the unarmed techniques but in something else.
They started to look inward , into the deepest part of their being and they came up with the answer that have made them the experts of martial arts in the world.
They knew that by knowing oneself and the opponent they would always be able to overcome him. From that moment a new martial science was born. The art of strategy. Strategy has been developed by the Japanese and taken to the point were it became an art form. The Japanese strategy is far superior to other countries. The Go Rin No Sho (book of 5 rings) of Miyamoto Musashi is considered in the western world as one of the top books concerning strategies for battle. There are even books written applying Musashi’s principles to the modern day business world. But to the Japanese the go Rin No Sho is a book for beginners. That makes you wonder doesn’t it?
Today in this rapid changing world the learning of traditional martial arts is still learning these practical martial strategies through physical exercises.
Let’s compare:
When you enter a traditional Ryu you start learning a bunch of techniques called waza. This is like learning how to lay bricks, plumbing, making doors and windows , etc?.
The next step called Kata training takes you to the next level. You start building a house. Your first house will be very traditional, square with no fancy extra’s. This is when you start seeing the principles of building a house. The experience you acquire teaches you that there are certain ways to do things. You can not make a 2 by 2 m hole and place in this hole a much smaller window or door. You also learn that you must start at the bottom when constructing a house, not at the roof.
After making many, many houses you start designing your own house. You put in some extra’s, some improvements and so on. This is the moment when you can use the principles or strategies of making houses to construct different types of buildings. You understand the underlying concepts. You know inside yourself what it is that makes a building being such and you understand that although their shape may be different at the end they are all houses?.. But only he who masters the highest level will be able to turn any house into a home.
This is what modern day practitioners fail to see. They think that more muscle strength, faster movements, more deadly techniques and such will make them invincible. How wrong they are. They are still living in a dream. As long as man has 2 legs, 2 arms, 2 eyes, etc? battle will never change. The outer form may change but he who understands the underlying concepts will always win the battle. Man’s actions are ruled by basic instincts and the art of strategy as learned in the traditional martial arts builds upon these instincts to secure victory. Through training we learn to see our inner fears, understand the reasons of our behaviour and actions. We learn to correct and perfect these in order to obtain control over ourselves. By understanding this we will also be able to know the enemy and control his actions.
Finally, modern day practitioners tell us ” let’s fight , no rules”. No rules?.. ok , so we are allowed to bite? To stick our fingers in your eyes? To catch and twist your groin until it is separated from your body? To use the most extreme techniques until you die? This is true combat, anything goes and until the end. Until one or both will never get up again to see the rising of the sun.
This is the reason why traditional martial artists never get involved in modern day martial arts championships. They realize that by participating they already have lost. And in the rare case that some traditional martial artist would step in a ring with rules he will loose the battle. He is trained for true combat not sports.
About the Author: Peter Vermeeren is a traditional martial arts teacher for over 30 year. His websites can be found here: http://www.takaharudojo.org and http.//http://www.kamikaze-portal.com
Source: www.isnare.com
Permanent Link: http://www.isnare.com/?aid=9216&ca=Recreation
If the above article helped your understanding of traditional internal martial arts please pass on the word about our site. We would like to help everyone gain a better understanding of the options they have available.







Nursing Your Lungs
2013-02-17 11:54:00 (читать в оригинале)I recently posted an article about saving on life insurance rates by quitting smoking. Besides saving on premiums their are many more reasons why you should stop smoking.
Here is an info graphic that onlinenursingprograms.com recently created that illustrates the effects of smoking while bringing some reality to the harm it causes.
Created by: www.OnlineNursingPrograms.com
Its crazy... 1 in 5 women smoke while pregnant? Stop smoking!
YOUTUBE. Новая серия Cristalceutic (Кристалсьютик) от L'Oreal!
2013-02-15 12:59:00 (читать в оригинале)
Новая серия Cristalceutic (Кристалсьютик) от L'Oreal!
Это уникальный прорыв в области ухода и защиты окрашенных волос, позволяющий сохранить цвет волос таким же насыщенным, ярким и интенсивным, как и в день окрашивания. Особенность серии - специальный пигмент красителя, который обеспечивает до 6 недель стойкости цвета.
Помогает укрепить волосы, устранить ломкость, возвращает блеск!
Попробуйте! Вам понравится!
L'Oreal Professionnel: Маска Кристалсьютик (Cristalceutic) в дозах по 15 мл
L'Oreal Professionnel: Уход Кристалсьютик (Cristalceutic) в ампулах по 12 мл

Evolash к 8 марта!
Отзыв: Nature's Bio Крем антивозрастной для лица
Как уменьшить жирность кожи
Как бороться со спутыванием волос
Стайлинговые новинки от Kemon
Подарки всем влюбленным… в красоту!
Неделя трех брендов: Gehwol, L'Oreal Professionnel, Evolash
Оттеночный бальзам Framesi со скидкой 30%
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Новинка! ранцузский бренд Vyrgo

http://hyves.ucoz.org/publ/1-1-0-383#.URzYvvLlmHg
YOUTUBE. Новинки от Тианы - косметика с маслом арганы
2013-02-15 12:59:00 (читать в оригинале)
Дорогие друзья!
Магазин BeautyMania рад представить новые линии российской натуральной косметики Teana:
- Адажио любви
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Адажио любви включает 5 средств для комплексного ухода за волосами: шампунь, маску и три продукта для ламинирования волос. Роскошные средства с аминокислотами и маслом арганы позволят вашим волосам сиять естественностью и красотой!
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Выберите из пяти продуктов линии Сокровища Арганы свой крем!

Подарки всем влюбленным… в красоту!
Отзыв: GiGi Aloe Vera Крем питательный (AV Nourishing cream)
Evolash к 8 марта!
Стайлинговые новинки от Kemon
Народные средства против жирности волос
Как бороться с выпадением волос
Отзыв: Nature's Arga Крем для лица Антистресс
The Art Of Shaving - лучший подарок к 23 февраля
Отзыв: Природный крем-гель Аджюпекс для ухода за кожей лица и тела
Как защитить волосы и кожу от хлорированной воды

http://hyves.ucoz.org/publ/1-1-0-383#.URzYvvLlmHg


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