Health is certainly the focus of worksite wellness programs today. And you do want your program to have clarity of focus, right?A look at the definitions of health doesn’t really help us to establish what health really is. Beyond the definitions, there are two ways to view health:• The reductionist/mechanistic view• The health creation or production viewThe difference in these views can be seen in both the different definitions of health and how health as a concept is implemented or executed. These two different views see health as being either a personal choice, or as a social responsibility.Health, when viewed through the reductionist/mechanistic lens, is considered to be either personal or individually determined. This view is about a link between health and the body. The reductionist/mechanistic view is a medical view of health. Health is seen as being a medical problem with medical solutions delivered by medical care.In this view, health is medicalized. Medicalization is a process whereby non-medical problems and issues become defined and treated as medical problems, usually in terms of illnesses and disorders.The conceptualization of health in this view is having a healthy body. Health as a goal is achieved by deliberate and intentional action. Health maintenance involves will-power, self-control, self-discipline and self-denial. Health is achieved through body maintenance in accordance with physical standards.Worksite wellness programs today, with their focus on employee health status management, typically view health through the reductionist/mechanistic lens based on the medical model which focuses on organ related pathology within the individual. Health is viewed in medical and technical terms. This view fits right in with the individualistic and hard work core values of the American culture.The creating or producing view of health looks at health as being more than just about illness. This view considers the role of social, environmental, economics and behavior as determinants and moderators of health. In this view, health is more than about the individual and is seen in human social and cultural terms.When it comes to the creating or producing view of health, all the following matter:• How we are treated in society• How equitable society is• How clean the environment is• Living and working conditions• How much control individuals have over their work and personal livesIn this view, health is a social responsibility and the belief is that socioeconomic circumstances are more powerful in creating or producing health than medical care. As seen through this view, the main determinants of health are:• Factors unique to the individual• Individual behavior/lifestyle factors• Social and community networks• Material living and working conditions• General socioeconomic, cultural and environmental conditionsHow many of these determinants is your current program addressing?From a worksite wellness perspective, it is important to understand what causes ill-health and what is needed to create or produce good health. This understanding will help you determine a purpose for your program, along with making sure the programming and interventions are aligned with both the purpose and the organization’s culture.The workplace is the ideal venue to unite these two disparate views of health. Worksite wellness should address both individual responsibility, as well as the socioeconomic and cultural viewpoints through the creation and support of healthy organizations with their positive, supportive workplace environments, climates and culture.While recognizing and acknowledging conceptual differences, effectiveness and success in worksite wellness comes down to implementation, execution, programming, interventions and how the concepts of health are practiced in the workplace setting.

Fast car on open roads. It is a perfect picture for any car enthusiast. But you have to go to your work and also drop your kids to school. This is the real picture for most of us. We need to save time when we don’t have any. A typical individual has so many odd jobs to complete that a car can, without doubt, facilitate their accomplishment. Financing your car doesn’t fit your idea of the way of buying your car; then probably you are still stuck with traditional car buying methods. Shed your inhibitions with regard for car financing because it undoubtedly keeps in mind your financial caliber before furnishing you with a car finance loan.Car financing has taken a new spin with regard to providing investment for buying a car. So, how do you finance a car? If this question leaves you baffled, then you have to go a long way in the process of buying a car. The term ‘financing’ in relation to buying a car connotes either rendering loan to buy the car or lease the car to you. You are probably concentrating on the former meaning. Many people are in favour of talking car finance from dealership for it seems like a convenient option. It seems easy; you select a car, fill out a credit application, and drive away with your car – all in a day’s work. Car finance through dealership will give you car finance on weekends and even at nights when other banks and credit unions are closed.Seems convenient, isn’t it? But there is a catch. The dealer will be certainly charging you more for your car finance. Usually car buyers are overcharged by 3% on their car finance. A great number of complaints about car financing are related to dealers. 0% APR is not only attractive but lures the buyers to acquire up car finance not meditating if it is feasible for them. There are very few people who can actually get a 0% APR. Thus car finance deals usually fall midway thereby making car finance experience an extremely distressing one. You are buying a new car and probably for the first time, you certainly want it to compliment your enthusiasm. There are few elementary things that need to be kept in mind before taking that crucial primeval step in car buying.First and foremost in car buying and financing is checking your credit score before you apply for a car loan. Many people are unaware of the fact that they even have a credit score. You can expediently check your credit score online. So, if you have bad credit history then probably you will be paying more interest rate for your car finance. If your credit score drops below 550, then probably apply for new car finance is not such a good idea. First repair you credit score. Repairing credit score requires little effort, helps you repay your debt and retain your credit report. Online car finance companies can get you car finance loan even if your credit score is lower than required. Your car finance loan can get approved in minutes. Online car finance companies have revolutionized car finance procedure. With lowest online car finance rates, no application fees, or down payments car finance companies provide a formidable competition to car dealers. Car finance companies have set a standard for providing car finance that is worth opting for.70% of cars are obtained by some kind of financing. You can even finance a used car. The process is as effortless and undemanding as financing a new car. The essence to finding the right car finance is doing to research about your kind of car. Knowledge is power; you must be awake to this age old logic. When so much information frequently exists, then why not make use of it. Find out how much your car costs by comparing rates with local dealers. Very decisive, is cognizing how much, you can afford. Calculate, you monthly income and deduct your usual monthly expenditure to find out how much you can afford on a monthly basis. Compute carefully, otherwise you will find difficulty in repaying your car finance loan. And you definitely don’t want to fool around with your repayment plan because a lot is at stake. You can seek free advice for your own car finance online through credit unions and loan institutions.You are a car enthusiast, a car consumer, a just a person who needs a car you ought to drive the best car. And why not drive the best car, when you have access to the best car finance plans. Car financing is a transparent route that leads you to become a car owner. Car finance loans are usually short term loans ranging from 36 to 72 months. Shorter loan term imply, lower interest rates and will prove to be cheaper. You have been working hard to select the car you want; there is a fairly good chance that you would not have to work so hard for car finance. So, sit back relax and enjoy the ride.

Information Technology (IT) debt is basically the cost of maintenance needed to bring all applications up to date.Shockingly, global “Information Technology (IT) debt” will reach $500 billion this year and could rise to $1 trillion by 2015!But why should you take IT debt seriously and begin to take steps to eliminate this issue from your business?According to Gartner, the world’s leading information technology research and advisory company…It will cost businesses world-wide 500 billion dollars to “clear the backlog of maintenance” and reach a fully supported current technology environment.Gartner summarizes the problem best:”The IT management team is simply never aware of the time scale of the problem.This problem, hidden from sight, is getting bigger every year and more difficult to deal with every year.”The true danger is that systems get out of date which leads to all kinds of costly software and hardware inefficiencies.Your tech support provider can most likely do a better job at staying current with your computer and network environment.Have them start today by documenting the following:The number of applications in use
The number purchased
The number failed
The current and projected costs of both operating and improving their reliabilityAre you using this powerful formula to control your technology?There’s a powerful formula I’ll share with you in a moment that will help you adopt new technology faster in your business.In business, technology encompasses Information Technology (IT), Phone Systems and Web Development.These three layers of technology form the backbone of your business’s technology environment. Why is technology adoption so important?Without new technology adoption it’s impossible for businesses to be competitive in this economy. A major role of technology is to help businesses scale, design systems, and automate processes.Studies recently have shown that adopting technology keeps businesses leaner because entrepreneurs can do more with less.There’s evidence that new business start-ups are doing so with nearly half as many workers as they did a decade ago.For example, Wall Street Journal’s Angus Loten reported that today’s start-ups are now being launched with an average of 4.9 employees.Down from 7.5 in the 1990s, according to the Ewing Marion Kauffman Foundation, a Kansas City Research group.In other words, technology allows businesses to expand quickly with less.Researchers at Brandeirs University found that technology driven service businesses added jobs at a rate of 5.1% from 2001 to 2009; while employment overall dwindled by.5%.These businesses save money, expand, and create jobs by adopting new technologies.Are you adopting new technologies fast in your business?Speed of technology adoption is critical to your business success.Technology is changing the speed of business; now a whole industry might expand, mature, and die in months… not years.There’s one formula that illustrates this marriage between adopting technology and business success the best… and that’s the “Optimal Technology Equation.”I recommend you adopt this powerful “Optimal Technology Equation” in your business:• Maintenance + Planning + Innovation (Adoption)=
• Enhanced Technology Capabilities=
• Reduced Costs + Increased Production=
• Increased Profitability.Of course, this is only a brief explanation of this invaluable formula. Be one step ahead of the competition.

What does High Yield Really Mean?High yield investing has taken on a totally new dimension since the introduction of the internet and the basic personal computer. In the United States, a high yield account is considered to be anything over 5% monthly. Of curse as the old adage goes, the higher the yield the larger the risk. This is true. You can not expect to earn more than an average percentage rate with less risk. It just doesn’t make sense.When discussing high yield interest accounts, are we talking about a savings account that produces a 5.4% annual percentage return? Well, yes. And no. It depends on who you are and what you consider to be possibilities and realistic.By now most of us have heard about investment programs that claim to be able to produce ridiculously high returns. Traditional investors cringes when they hear terms like 25% per month for one year plus the return of principle, and they nearly quiver when they hear claims of 300% in eight weeks. Certainly these high yield investment programs must be scams. How can it be possible to produce such returns in such a short amount of time? And why isn’t everyone out there doing this if it can really happen? If these high yield investments hold any water then in just five short years we could wipe out poverty and homelessness and no child would ever go to bed hungry or sick again!Are High Yield Investments Scams?Believe it or not this question is not a simple yes or no response. It can’t be. The short and safe answer would be yes, they are scams. However, it is important to understand what they are and why they have not all been shut down by the government if they are nothing more than a way to steal your money.High yield investment programs are not a place to try to earn an income. They are extremely volatile and unpredictable. People can and do make money from them, and sometimes it’s a significant amount of money. But don’t get excited and start rushing out to re-mortgage your house just yet.Read every single disclaimer on a high yield investment program website and they will all say the exact same thing. High yield investing comes with the risk of losing money. Never invest more than you can stand to lose. Why? Because every high yield investment program will eventually crumble and those with money invested are going to lose.High yield investment programs are based on principles similar to gambling. While most of do not, there are people in the world who make their living traveling around to casinos and gambling. Is it a scam? No. In fact most of us at least respect the fact that the individual is competent enough at playing casino games that they can earn a living at it regardless of how we feel about gambling ourselves. The same applies to earning a living from high yield investment programs. Most investors do not even consider them real investments and scoff at those who attempt to earn a living through high yield investing.Most people who are able to fund their lifestyle and earn a living through high yield investment programs started in using one of two methods. They either jumped in with both feet at the first program that sounded good to them and lost everything they invested or they researched high yield investment programs until their fingers went numb before ever investing a dime. Either way, both parties came to the conclusion that to come out ahead in high yield investments programs they would have to do ample research and completely understand the system and principles before they were going to succeed.Earning a living through high yield investment programs takes a system that is easy to implement and follow to prevent early closing and hefty losses. This system takes a lot of due diligence and of course, some very specialized knowledge about forex trading and even gambling.Reading the website’s method of investment can tell the average high yield investor a lot about the security, or lack thereof, for any particular program. Most will admit to trading in forex, which any average investor can do with a little knowledge and research. Some will tell you that they are trading in commodities as well and some admit that they are also gambling with the investors’ money, literally. Any website that says they are gambling using fool proof methods of winning should absolutely be avoided at all costs. There is no fool proof method of gambling.High yield investing is probably something to be avoided altogether, although that is an individual choice only an individual investor can make. However, if you choose to get involved with a high yield investment program and you loose your money, that was your choice as well. Just like it is possible to loose money in the stock market, you are likely to loose money in high yield investments. An investor that looses money in the stock market doesn’t typically file a lawsuit against the broker, so why are people so quick to file lawsuits and complaints when they loose money in high yield investment programs?The answer is unpleasant but for the most part it is true. Greed. We can accept that there are poor investments out there and should we loose three or four thousand dollars in a bad investment we accept it as part of the potential outcome of investing. Yet because we got excited and our minds started spending the money we were hoping to see through a high yield investment now suddenly the people who run these programs are thieves. High yield investments are investments even if they do border on scams and you run the risk of losing your money. Remember the basic principle of any investment? The higher the return the more likely you are to lose your money.High yield investments are incredibly risky and some of them are actually scams. Scam artists are everywhere and if there are people in the world who are willing to fork over thousands of dollars in the unrealistic hope that they can turn it into ten of thousands of dollars in a relatively short period of time then there will be people who are willing to steal that money from potential investors.People are willing to donate their money to any valuable cause, so there are people who are willing to set up phony charities to steal donations from giving people. That certainly doesn’t make every charity a scam and people aren’t going to stop donating to charities of their choice. Just as there are individuals who will take advantage of people’s kindness and desire to give to charities, there are individuals who are interested in scamming money from people who are trying to improve their financial portfolio through high yield investment programs. That doesn’t mean every single high yield investment program is a scam.The one thing all high yield investment programs do have in common is that sooner or later they will all fold, even those that start out being profitable. Just because a high yield investment program starts off producing the returns that it proposed in the beginning doesn’t mean that it will continue to do so over a long period of time. This is how the high yield investor gets dramatically burned. One or two programs that delivers for a period of time doesn’t mean it’s time to quit the job and devote all the available resources to high yield investing. It means that one or two programs are doing well. They will not do well forever and sooner or later they will crumble. That is the nature of high yield investing.High Yield versus Conservative InvestingWhich investment strategy is right for you? Only an individual investor can answer that question for their own interests. Some people can tolerate the significant risk factors while others prefer the stability of the more conservative and conventional methods of investing. Some people are more willing to take a gamble than others, and by all means high yield investing is a form of gambling.There are dramatically fewer scams in conventional investing. Some people will always believe that high yield investing is a scam and there is nothing that will convince them otherwise. Just because some people are able to be successful doesn’t mean that a program is not a scam. And just because something is a scam doesn’t mean that some money can’t be made anyway. Does it make it right or real or worthwhile? Again this is something that each individual investor needs to determine for themselves.For solid investment advice and a clearer path to investment success, independent advice and research is the best way to go. For all kinds of independent investment advice, stop by onlinetradingideas for comprehensive investment strategies, advice, and independent research. This site is particularly useful for making the most from conventional trading ideas and profiting from forex trades without having to enter the realm of high yield investment programs.