Best Tips on Group Health Insurance

Perhaps many of you are wondering what a group health insurance policy really means. Well, the answer is not complicated at all! It is just an insurance coverage made by an employer or other authority that is meant to cover all individuals in a particular group!

A group health insurance gives an employer the advantage of not paying the whole premium for the insurance policy in order to cover his employees. In the past, an employer was expected to pay for all the benefits of the employees, but fortunately, now the times have changed and an employer only has to donate just a part of the health insurance premium of the employees.

The general attitude of the insurance companies is to offer lower rates for a group health insurance than on an individual one. This is the main reason why people who are self employed to be aiming for a small business health insurance too. These persons can not be blamed, even if they incorporated to give the insurance company the impression of a larger corporation, as they are only trying to get a good deal on their small business health insurance rates. The result is that each and every person struggles to get an insurance plan, as a small business health insurance is very cheap when compared to individual health insurance.

It is a commonly known fact that group health insurance plans are very much appreciated by all the employees. This is the main reason why most employees value it very much too. A group health insurance policy or a small business health insurance has contributed to the success of many organizations. They have that enabled them to continue employ new people and, at the same time, keep the best people in their business!

No matter what group health insurance plans, service suppliers or a health maintenance plans that a company may offer, there are so many places where you can get informed about these things. You must carefully analyze the group health insurance quotes that a number of insurance companies offer, before deciding if there is something to suit your expectations.

In order to make the best decision regarding a group health insurance, a recruiter must study all the websites and brochures of the health insurance companies that the employee has selected and intends to engage. After comparing their service plans, costs and methods of payment, you must also keep an eye on the starting and ending dates of the insurance policies. The interesting, but disturbing thing is that some health insurance companies only cover you from your third payment, therefore you must be very well informed before making such an important decision.

Last, but not least, there is one more thing you'll have to consider before choosing a group health insurance plan or a small business health insurance: there should be any services or illnesses that are excluded from the policy, it is best to know it from the start. This is the main reason why it is for the best interest of any employee to keep away from any group health insurance policy that only covers a small number of diseases.

The Art Of Flattery – Using Flattery To Become More Attractive

Many people completely hate the word "flattery" and to even say there is an art to this makes them shudder with total disgust.

In a culture where everything is either right or wrong with very little room for the "grays" in between, I can understand why the word "flattery" rubs people the wrong way. I can also understand why many are sickened to the stomach because flattery is often associated with compromising one's values ​​and integrity.

But is flattery always a bad thing? And does flattery always have to be insincere? Does flattery make you more attractive and should you use the art of flattery on the men / women you find attractive?

Personally I find that mild flattery does often move things along more pleasantly than outright candidness. While excessive insincere praises intended to put the other person into the position of owed something to the flatterer is cheap and cheesy (and often reveals emotionally "needy" personality out for approval), a little flattery does help to quickly warm up first meetings or bridge relationship gaps.

For example starting off your conversation with a statement like "You look gorgeous" is certainly better than starting with "You forgot to put on your make-up today". By offering positive reinforcement, you are not only making the person feel good about herself but you are taking the small extra effort to actually show the person that you care about how she feels. She may come back with "I do not have my make-up on" to which you can respond with "You still look good". But when you say "I could not even tell you did not have make-up on" or "You look like you have make-up on", you've crossed over to the excess insincere praise.

In terms of bridging relationship gaps, a little flattery goes a long, long way. Say you are the "hottest" woman in your workplace or even at a party, taking the time to shake hands with the office boy or cleaner, or saying "hi" to the "geeky-looking" guy standing all by himself not only makes their day (they will be talking about it for days) but moves them away from feeling like a "nobody" in the eyes of society to "somebody" to those present (and to himself). Just by a simple gesture you show the person that you care about how they feel. Did I mention you'll be ever so "hotter!"

Having said that, I do not advocate using flattery to manipulate another's self-doubt or use their feelings of inferiority against them. Using flattery for personal gain has its own "come back to bite your ass" consequences. You can not get round using flattery to always get what you want without starting to feel empty, phony, lonely and depressed. You can never genuinely and deeply connect with others if you are manipulating their feelings.

Also keep in mind that flattery works for about 95 percent of people. Recognizing situations where flattery is appropriate is the secret of the art of flattery!

Demonetisation: Impact on E-Commerce Platforms

India is still recovering from the unexpected demonetization of rs 500 and rs 1000 notes. A huge change is encountered in the routine of every business and the e-commerce industry has not been spared even. One of the most significant economic change in the lifetime of Indians experiencing vast tremors. While some people were hailing it as a masterstroke move against against black money, terrorism, and currency counterfeiting. Whereas, certain section of people were creating hue and cry against it. This change is placing a tremendous impact on trade and consumer demand. A lot of discussions and discussions are already going on these topics, so I will spare you on that!

The e-commerce platforms are reeling under pressure due to undelivered orders because a lot of customers have opted for COD, but are still offering the old currency notes only. Such drastic economic change has led to an increase in the use of cashless services but the e-commerce platforms are finding it very difficult to complete orders that have been marked for cash on delivery.

On one hand, there have been a huge increase in digital payments but on the other hand the percentage of undelivered online purchases too have gone up. All of this has claimed in huge returns as the customers who place online orders and choose for COD mode for payments, urge the delivery person to accept the old currency notes or take back the order.

Due to demonitisation, the e-commerce platforms have stopped COD mode of payment which is credited for close to 60% of online shopping in the country. COD is one of the popular payment options for a large section of India consumers who shops online. This is due to the sheer convenience it offers to its customers who wish to receive their orders first and pay later.

In order to compensate, these platforms have added credit card on delivery as one of the payment options to put customers at some ease who are running out of cash. More discounts are offered by renovated websites on online payments as well as zero cost EMI schemes.

The spokesperson of amazon has said that the company has incurred ten times growth due to credit card on delivery mode. However, this is not helping the sellers much who have complained that these efforts are not compensating for the loss incurred over COD mode.

No doubt, there will be a lot of inconvenience in the initial period but in the long run, everyone is hopeful of a better growth, reduction in cash on delivery services, along with a quick return investment.

Flat Motorcycle Tires – Roll Hard!

Motorcycles with flat tires. . . roll hard! If your motorcycle is cruising along at 55 mph and your rear motorcycle tire suddenly deflates [has a blow out!] You now have a tremendously dangerous challenge ahead of you. Aviding other vehicles, controlling the steering, a swaying rear-end making everything unstable makes for a sizable victory when you roll off the side of the road and come to a stop. Congratulations, job well done! More riders than not end in an accident or something worse. All because of their motorcycle tires. Who knows your thoughts if it is the front tire to blow? You better be prayed up.

We all want a sharp looking bike. Once you select your make and model, your interest is on chrome, color, accessories, personal appearance, dress etc. but let us not forget about the importance of the rubber motorcycle tires that get us around. Frame, structure and engine all work together and hopefully are worry free for years. Motorcycle tires keep moving and we need to often watch for wear and safety.

There are two critical places that motorcycles need to be checked before each ride or at least once a month. Both are easy to do and both are many times overlooked. One area is brake fluid. If the pedal is mushy, bleed the lines or have someone else do it. Two, motorcycle tires need to be inspected. Why do we forget these?

Our safety depends on it. We trust our life to the two motorcycle tires under us that have at best two patches of rubber in contact with the ground the size of our two hands at any given moment. Move that along at 55 mph or even at 15 mph and each of the motorcycle tires is taking on a serious responsibility. The attention and care we offer towards our motorcycle tires can help us tremendously with our safety and enjoyment of biking.

Here are some areas where things can go wrong with your motorcycle tires:

– Tire Pressure: Under-inflation may cause uneven wear, loss of control [stability], wears the motorcycle tires out faster and increases the chances of the motorcycle tires failure. Over-inflation allows motorcycle tires to heat up, limit traction [although a slight 10% over-inflation may actually increase traction in wet conditions] and affects the wear. To correct these, use a good tire gauge and check the motorcycle tires when it is cool. Keep the motorcycle tires pressure at the recommended PSI.

– Fluids: Brake fluid, gas and lube spills need to be cleaned immediately. It deteriorates the rubber. Many of the cleaner protectors used on motorcycle tires harm the finish rubber. The best way to clean is to use old-fashioned soap and water.

– Bumps: Potholes, curbs and stones may slash or crack the tire. Look for any problem.

– Accelerated wear: Everyday use may be a potential hazard. Spinning motorcycle tires on take off or holding the brake on emergency stops need to be checked.

– Nails, screws etc .: It is better to find them before you ride than to discover these nuisances 20 minutes down the road. Motorcycle tires that use a tube may "pop" from a nail / screw or sharp object, where a tubeless tire may have the nail / screw actually plug the hole they created which gives you a little more time for repairs.

– Valve stems: Make sure the cap is on. It helps to protect the valve stem from leaking air and protects the stem valve from opening by centrifugal force and leaking air at higher speeds. When you use motorcycle tires with tubes, the valve stem should be straight out. If it is on a slant, the tire has been under-inflated and the tube has moved around the rim. Often this damages the tube and creates a leak.

– Tire weights: Weights need to be firmly fixed to the rim. If they fall off it will throw the tire out of balance and cause uneven wear.

– Rim: Cracked or deferred rims are potential problems. You may want to replace wire fired wheels when they became damaged with a cast or billet wheel that uses tubeless tires. Check with your dealer on this.

– Worn / torn: Thin tread is easier to detect. Flat wear is due to leaning very little and driving mostly in a straight line, resulting in a ridge at the edge of the flattened middle of the tire. This causes motorcycle tires to become unstable in a leaning turn. It wants to warble. The tire may have more wear but it should be replaced. [It is good to replace both front tire and rear tire at the same time.] Sidewall punctures, cracking, cord separation are an alert.

– Tread: Check the grooves called "sipes" making sure that the tread is still sufficient. The lack of having tread affects the cooling of the tire when in use, wear, stability, traction and can cause hydroplaning on wet roads.

When doing your inspection of motorcycle tires get a friend to roll the bike while you check the tread and sidewalls. You may need to get a work stand if alone. Obstacles to having a good inspection are long pipes, saddlebags, fenders etc. making it hard to see the rear tire. Front motorcycle tires are a bit easier to examine. This sounds like a lot but it goes quickly and is easy to do. Make it a habit to check your motorcycle tires frequently.

Some miscellaneous information you need to know. You will have better handling and get more out your motorcycles tires when you keep the rear tire aligned and balanced. Consider having this looked at approximately every1000 miles. Be careful when you have new motorcycle tires it takes the first couple of rides to get traction working well.

So! Happy riding and remembering to check your motorcycle tires often.