India Debt Collection Business

October 31, 2016

Until the emergence of debt collection business, debt collection in India, was never treated as a specialized job and was always treated as one of the jobs that legal departments of the banks and financial institutions were required to undertake. A typical legal department of an organization would approach the collection job strictly as a legal issue rather than as a revenue collection measure. Litigation would be the only tool used for recoveries and no other tool was either known or used by the industry. Litigation as a recovery measure always had its own limitations due to long and winding court procedures the Indian legal system is always criticized for. On the other hand, foreign banking firms introduced the concept of specialized debt collection services. Debt collection services became one of the many services that began to be outsourced to specialized agencies. The collection business had a very humble beginning and it barely qualified as a specialized service.However over a period of time with the emergence of India as a global outsourcing destination the domestic businesses also adopted the outsourcing as an efficient business tool. With the result today, the third-party debt collection industry plays an important role in the Indian economy. The industry employs hundreds of thousands of Indians as collection professionals, who are servicing several industries ranging from banks, to telecom service providers to insurance companies. Typically, only small recoveries arising from periodic billing defaults by the customers are outsourced to the collection agencies. Not only the collection business has become a direct source of employment to thousands but its contribution to the economy is more pronounced because it helps infuse money back in the economy that otherwise would have remained uncollected. The economic benefits of third-party debt collection are significant. Citibank is the pioneer in introducing third party collection techniques in India.The debt collection industry in India also has grown sharply this year as higher borrowing costs; rising inflation and the general slowdown in the economy force more companies and individuals into difficulties. Underlying debt has gone through the roof and lenders and organizations increasingly want to move any bad debt off their books. Whether it is a high street bank, a credit card lender or a mobile phone company, growing numbers are turning to professional debt collectors in a more difficult environment.The debt collection industry in India is growing at a faster pace and is surely poised for growth. The credit card outstanding have shot up by a whopping 87% at USD 6114 Million during this year, from USD 2844 Million in the period year ago. The Reserve Bank of India (RBI) which regulates the banking industry in the country encourages banks to shift bad loans off their books more quickly because they will be required to hold more capital against risky assets that may default.COLLECTION INDUSTRY – UNREGULATED SCENARIOThe collection business has its own inherent shortcomings due to unregulated and primitive nature of this business in this country. The persons employed in the industry are untrained both in soft skills and legal skills. Being unregulated, the procedures are not standardized and there are no industry specific checks and balances. Still litigation is used as the last resort tool for recoveries. However the industry has been accused of manipulating the legal system to their advantage by using courts as their agents of recovery. It is seen that big corporations with large volumes of recoveries have unwritten understanding with the local courts at the lowest level. With the patronage of minuscule minority of pliable judges simple civil defaults are registered as criminal cases thus pressurizing the debtors into paying the dues. Slow and long civil recovery court process has no takers in this age of instant results where revenue targets are the most sacrosanct. Under such strict and cut throat environment, there is pressure on the banks to keep their account books healthy therefore such aggressive and extra-legal methods are employed for quick recoveries.

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GOVERNMENT / RBI INTERVENTIONDebt collectors in the past had a lot of leeway and it wasn’t uncommon for collectors to embarrass, harass or humiliate debtors by adopting extra-legal measures. In the absence of any regulatory regime the courts had to step in by laying down guidelines for the industry to follow. After the intervention of judiciary, the RBI woke up to the need of regulating the unruly collection agencies and laid down its own guidelines for the banking industry to follow.The guidelines prescribed by RBI are enforced against the banks that have contractually employed collection agencies. The banks in turn via their contracts with the collection agencies ensure that the RBI guidelines are followed. Now, under the RBI guidelines it is illegal to threaten violence or cause harm to debtor, use obscene language, or repeatedly use the phone to harass debtors. In addition, collection agents cannot seize or garnish a consumer’s property or wages without recourse to court procedure.The following are few of the core underpinnings of the collection process. These are the norms formalized by the top bank in India – RBI.1. DSAs/DMAs/Recovery agents to get minimum 100 hours of training.2. Recovery agents should call borrowers only from telephone numbers notified to the borrower.3. Each bank should have a mechanism whereby borrowers’ grievances with regard to the recovery process can be addressed.4. Banks are advised to ensure that contracts with recovery agents do not
induce adoption of uncivilized, unlawful and questionable behavior or recovery process.5. Banks are required to strictly abide by the codes pertaining to collection of dues.RBI in the draft guidelines issued for banks engaging recovery agents, has asked banks to inform borrowers the details of recovery agents engaged for the purpose while forwarding default cases to the recovery agents.The Reserve Bank of India has also considered imposing a temporary ban (or even a permanent ban in case of persistent abusive practices) for engaging recovery agents on those banks where penalties have been imposed by a High Court/Supreme Court or against its directors/officers with regard to the abusive practices followed by their recovery agents. An operational circular in this regard has been issued in November 15, 2007.Other LawsStill the non banking debts collection business is outside the purview of any regulator. There are no licenses or registrations to be obtained from any regulator to pursue collection business in India. The extant guidelines applicable to banking industry are found inadequate as they address only the problem of debtors’ harassment and the guidelines do not regulate the industry as such. The Government is well aware of the need of having a specialized legal mechanism for recovery of institutional debts which has become a huge problem for the entire banking industry.Every bank is grappling with the non-paying accounts, known as Non Performing Accounts (NPA) in the Indian banking parlance. The problem has taken enormous proportion and threatened the economy. Creation of Debt Recovery Tribunals in the year 1993 was a step in the direction of facilitating fast recoveries by the banks . The intention behind creation of such Tribunal was to ensure that banking industry was provided with its own recovery mechanism that was part of the legal system but at the same time exclusive to the banking industry. Bank debts above USD 22,727 could be recovered through the Tribunals.However, over a period of time it was realized that this new mechanism did not yield the desired result since the recoveries were still slow and due to shear volume of work, the Tribunal became like any other court. The whole objective of having a fast track and efficient recovery mechanism was therefore defeated. Bank debts still remained a major problem to be solved since it affected the entire economy of the country. The Government felt the need of having a mechanism that was minimally dependent on the courts for effecting recoveries since the legal system could not be reformed overnight. Therefore instead of reforming the court procedure the government did some clever thinking and came up with a legislation that minimized the intervention of court and empowered the banks with special powers using which the recoveries could be affected.The government thus came up with a new law Scrutinization and Reconstruction of Financial Assets and Enforcement of Security Interest Act, 2002 (SARFAESI Act) where under the banks are allowed to liquidate security given by the borrower for recovery of their dues. This law also paved the way for creation of asset reconstruction companies that take over the security interest of the debtors. These agencies are thus another form of debt collection agencies that have been institutionalized.The need to share credit information among the banking industry was also felt in order for the industry to benefit from each other. Thus Credit Information Companies (Regulation) Act was enacted in the year 2005.INDIAN LEGAL SYSTEM AND COLLECTION PROCESSESThe Indian legal system is absolutely fair and assures justice to the party involved. There are remedies available under the law to collect the debt, if the debtor does not agree to pay under normal circumstances. The creditor may file a suit for his recovery. Debts based on written contracts could be recovered by following fast track procedure. If the debtor is a company, creditor / his lawyers may apply in the ‘Company Court’ for winding up of the company due to non-payment of substantial amount of debt. Summary trial is another way. The process may take time-1 to 2 years. Evidences are recorded appropriately and produced in the court of law, whenever required. There is also the arrangement of appeal to be filed at later stage.
US OUTSOURCING SCENARIOIndia has attracted many technology jobs in recent years from Western nations, particularly the United States. Now, it is on its way to becoming a hub in another offshore outsourcing area – debt collection. According to the industry report, units of General Electric, Citigroup, HSBC Holdings and American Express have used their India-based staff to pursue credit card debt and mortgage payment by calling defaulters.

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US debt collection agencies are the newest to start outsourcing their work to India and are satisfied with the results produced by the polite but persistent Indian experts. After insurance claims and credit card sales, debt collection is a growing business for outsourcing companies at a time of downturn in the US economy when consumers struggle to pay for their purchases.Debt collection is a vital and growing component of US economy. There is more than $2.5 trillion in outstanding consumer debt. As a result, the third-party collection industry makes more than one billion contacts with consumers each year. Recently this year, more than $39.3 billion in debt was returned to creditors.Indians have the advantage of lower salaries and other expenses, which cut drastically costs of collecting debts. Debt collectors in India cost as little as one-quarter the price of their US and European counterparts and are often better at the job. Many such Indian firms run 24-hour services. Indian debt-collection companies comply with strict regulations on operations in the American and / or European markets.
SUMMARYIndia has a long way to go in establishing a mature collection services industry. The collection business needs to be regulated and empowered with legal powers to become an effective tool. Already, there is a realization in the country that court dependent recovery is an inefficient way of way of debt collection. Creation of Assets Reconstruction and Securitization Companies under the SARFARESI Act is a step in the right direction of recognizing debt collection as an independent and specialized business function. While some progress is made for the bank debts but still for a large volume of unrealized non bank debt there are no professionally managed and regulated third party collection service providers. Non bank debts are largely unsecured that makes it even more difficult to realize. No big corporations and business houses are interested in acting as collection agents without there being an attraction of valuable security asset. Lawyers can fill this gap by providing collection services for non bank debts. Indian law does not permit contingency fee that makes the business less lucrative. India is therefore ready to benefit from foreign experience, expertise and ideas to create an efficient debt collection industry of its own at par with global status. This need is more felt now by India due to its global ambitions wherein India must adopt globally recognized practices and models. Transnational businesses need a uniform operating system for seamless transactions. Efficient debt collection industry will only instill confidence in companies doing business with Indian companies. Collection professionals have this challenge facing them of creating an efficient system that reduces people’s dependence on court supported recoveries.

Use of Drones in Aerospace/Defense

October 9, 2016

The development of unmanned aerial systems, or drones was initially for military purposes. As these aerial systems did not require an onboard pilot, they were seen as a useful weapon on the battlefield. Not only does a drone decrease the mortality rate of the soldiers, it also provides the military a chance to spy on the enemy in a discrete manner.Drones have become an important component of national defense for the following reasons.· A drone is an unmanned vehicle, that is, it does not require any one to be on it to be controlled. This is possible because it can be controlled using a remote control. Though it is mandatory that it is still controlled by a trained pilot, it does not require the pilot to go with it.

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· The US military has been using drones to search for terrorists in Afghanistan and have proved how useful they are for conducting covert military operations.· Drones can be used for various purposes such as searching for hidden terrorists, gunning the terrorists down in their own areas and searching for the hidden landmines using hyperspectral imaging sensors.· Keeping an eye on the air space of the country.· Keeping a check on the borders of the country without threatening the lives of the most precious soldiers.The use of the US Army’s Global Hawk in the combat field of Afghanistan has already made news. This has triggered a race between countries to own and develop this technology as soon as possible. Countries like UK and China and India are already way ahead in the research and development of drones for their respective defense forces.The use of drones even by the army is not only for combat and espionage purposes. This technology is largely being developed for the times when a crisis hits the nation. The military is trying to use drones in areas that have suffered fire or earthquake where the military and air force is called in to rescue people. This is the humanitarian aspect of the use of drones. Drones are sent in difficult to reach places to search for survivors. When the images from a drone shows the presence of any survivor, special teams are sent in to carry out rescue operation. This has saved many lives and is sure to save a number of lives in future too.

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The countries that are trying to be the controlling factors in the world need to have this technology soon. UK has started by bringing together all of its top engineers to develop homemade UAVs and there were news about the flight of their first UAV named Taranis.The use of UAVs cannot replace the fighter jets or the satellites, however, they can be used for surveillance missions that can’t be performed by fighter jets as they are too big and therefore can be spotted quite easily by radar. Drones are definitely one of the “must haves” for any good army in the future.

What a Pharmacy Technician Does

October 13, 2016

What Does a Pharmacy Technician Do?I have been writing articles on why and how to become a pharmacy technician, but some recent feedback has made me realize I left out the obvious. What is it that pharmacy technicians do in a pharmacy? Most people figure they help the pharmacist enter prescriptions and count pills. This is true for an outpatient pharmacy, also called a retail pharmacy, but there are many roles for pharmacy technicians in healthcare. The rest of this article will list different types of pharmacy settings and the roles that pharmacy technicians have in these settings.Community/Retail Pharmacy:I have worked retail, and I prefer other settings; however, it is where a large percentage of pharmacy technician jobs are found. What a pharmacy technician can do is determined by the state they work via state laws and rules. In general, technicians cannot provide clinical information to patients or be the final check for prescriptions. In some states, technicians are allowed to provide information on over-the-counter (OTC) medication (ie, medications that do not require a prescription, such as, acetaminophen and ibuprofen). Pharmacy technician tasks include, but are not limited to:• Collecting patient information (insurance and personal information as needed)
• Entering and processing prescriptions in the computer system
• Filling and selling prescriptions
• Requesting refills from doctor offices for patients
• Compounding medications that are not commercially available
• Ordering medications
• Restocking shelves
• Answering the phone
• Working with insurance companies on approving payment for certain medications
• Maintaining the cash register and conducting accounting functionsHospital Pharmacy:There are many different roles for pharmacy technicians in a hospital pharmacy. I know this type of pharmacy best since this is where most of my work has been. The most common are technicians who work in the central pharmacy. In addition we have decentralized techs, sterile compounding techs, billing techs, OR techs, narcotic techs, database techs, automation techs, team lead techs, and buyer techs. These technicians as a whole perform the following tasks, but not limited to:

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• Filling new orders, this includes a variety of medications from oral medications to specially prepared sterile compound medications (including chemotherapy meds)
• Answering the phone
• Tubing medications (if the pharmacy has a pneumatic tube station)
• Preparing medications for delivery
• Delivering medications
• Assisting floor pharmacists with medication histories
• Assisting floor pharmacists with IV drip checks
• Handling missing dose calls
• Billing medications where nurse charting does not bill
• Maintaining the pharmacy database
• Restocking operating rooms and anesthesia trays with appropriate medication
• Dispensing and tracking all controlled substances throughout the hospital
• Maintaining automation equipment [automated dispensing cabinets that store medication on nursing units, automatic fill systems (typically called Robot-Rx)]
• Purchasing of all medication and supplies needed in the pharmacy
• Leading and managing the technician workforce, including upkeep of schedulesLong-Term Care Pharmacy:I have worked at a couple of long-term care pharmacies, and I think it is a great place to be a technician. They typically employee a lot of techs because the work load lends itself to a lot of technician tasks. These pharmacies provide the medication needs for nursing homes, assisted living facilities, and psychiatric facilities. The typical pharmacy is located in a warehouse. It does not have an open pharmacy for people to come to; they receive orders by fax and deliver all medications via couriers or drivers to facilities. The oral medication is filled in blister packs (cards of 30 tabs that are used to provide a 1 month supply of medication), or some other mechanism that provide the facility with an extended amount of medication doses that can be safely and cleanly kept until doses are due. Pharmacy technician tasks include, but are not limited to:• Filling new and refill orders (different from hospital because of the number of doses provided)
• Processing new order and refills coming through the fax machine
• Order entry of prescriptions and printing of labels for fill techs
• Sterile compounding of medications (although there aren’t as many sterile compounded medications as a hospital, there are still enough that most long-term care pharmacies have a few techs specialize in sterile compounding
• Billing medications to homes
• Controlled substance dispensing and documentation
• Ordering medications and supplies
• Restocking medications that are returned that are still suitable for reuse.Home Infusion Pharmacy:These pharmacies primarily care for patients that require some form of IV or other non oral medication, and want to receive the therapy at home (hence the name home-infusion). I have also worked in a home-infusion pharmacy. As a tech I had a lot of experience in sterile compounding, and found my self in any position that needed a IV room tech. Pharmacy technician tasks include, but are not limited to:• Compounding sterile preparations in the clean room
• Preparing supplies associated with sterile medication administration for delivery
• Billing medications delivered to patients home
• Coordinating deliveries of medications with patients
• Entering orders in the pharmacy order entry systemNuclear Pharmacy:No, I have not worked in a nuclear pharmacy (I am sure you were staring to think I got around quite a bit, but I have been in pharmacy for about 17 years). I have some friends who work in a nuclear pharmacy. The hours are interesting; they usually come in at about 3 AM and work until about noon. These types of pharmacies make radioactive compounds and they need to be made in a way that when they are delivered to the hospital or clinic administering them, that the dose has degraded to a specific amount. Without going into too much detail, these medications have short half-lives. So they have to time the compounding of the product with the time it takes to deliver the medication and the time the patient is to receive the dose. The job pays well, but as you can imagine, there are not a ton of these positions available. Pharmacy technician tasks include, but are not limited to:

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• Preparing radioactive products
• Cleaning and preparing sterile compounding areas
• Entering orders into the pharmacy system
• Coordinating dose due times with deliveries and preparation
• Billing products to hospital or clinicHealth Plans/HMO Pharmacy Group:I saved this one for last because it is a lot different. Most healthcare plans have a pharmacy department. They manage the pharmacy benefit of the health plan. I have worked with my companies health plan and have spent some time with the pharmacy department. Pharmacy technician tasks include, but are not limited to:• Answering phone calls and providing support for patients on the pharmacy benefit
• Reviewing prior authorization requests
• Providing support to physicians and drug companies for information requests
• Supporting the pharmacists in the department with database and projects as neededAs you can see, pharmacy technician roles can be very diverse. The best advice I can give you is to figure out what setting you would most like to work in and obtain some experiential hours in that setting. I have found that the type of pharmacy you train in is typically the type of pharmacy you end up working in.

Motorsports Engineering Schools in North Carolina

October 18, 2016

If you’re interested in a career in racing or automotive technology, you might be considering a motorsports engineering school or program. Great decision! The specialized education that a motorsports engineering program provides will give you a leg up on your future career prospects, and set you on the fast track to a great career in racing!Here, we’re highlighting motorsports engineering schools located in the great state of North Carolina.One of the biggest advantages to attending a school in North Carolina is the close proximity to the heart of racing country. NASCAR is the fastest growing type of racing in this country, and there’s no shortage of interest in NASCAR in North Carolina, especially in the Charlotte area. All of the major NASCAR race shops and many of the main manufacturers for the industry are located in or near Charlotte, making it the perfect place to look for an internship and future job.

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NASCAR Technical Institute, UNC-Charlotte, Belmont Abbey College, Central Piedmont Community College, and Forsyth Technical Community College are all located in North Carolina. Most are in or near Charlotte.The University of North Carolina – Charlotte is located, obviously, in Charlotte and it is one of the best motorsports engineering schools in the country. It is one of the few schools that offer a bachelors of science degree in motorsports engineering, and it offers required specialized education in motorsports along with applied knowledge in both laboratory and real-world settings.Belmont Abbey College offers motorsports management minor, which is a bit less technical than a major motorsports engineering program like UNC-Charlotte’s degree. Central Piedmont Community College offers a high school for college credit with a certificate program in automotive systems with a specialization in motorsports that can be applied to a major four-year college.

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Forsyth Technical Community College offers an associate of applied science (AAS) degree in race car technology, while the NASCAR Technical Institute, which has multiple locations, offers technical certificate programs that relate to motorsports technology.Any of these programs will help get you on the right track towards a career in racing and motorsports, along with giving you a variety of applied technical knowledge and skills that you can use in a number of different career paths. A motorsports education is the first step to realizing your dreams in racing, and attending a program in the heart of racing country is a great step in a positive direction.

Online Gambling Debts – How to Deal With the Causes and Effects of Online Gambling Debts

August 18, 2016

One thing there is no shortage of on the internet is opportunities to gamble. We are spoilt for choice, whether your fancy is for betting on sports, playing virtual card games or bingo. One of the things that makes internet gambling so potentially dangerous is that it is easily available for 24 hours a day. The real danger comes when you combine this factor with the fact that it is so easy to feel detached from the reality of money spent online. Gradually racking up a debt online does not feel the same as handing over hard earned cash from our wallet, so it is that much easier to lose track of how your online spending is mounting up.For these reasons, debt problems from internet gambling are on the increase. In this article I hope to clarify some of the legal issues around online gambling, as well as providing some advice on dealing with the underlying problem and the debts that result from it.Legal Issues Around Gambling DebtsWhen we talk about debt from online gambling it is important to be clear about the nature of the debt, because who the money is owed to does make a difference. People are often unsure about the legality of debts from online gambling. In the UK you can gamble legally on credit and incur a debt, but this debt is not then enforceable through the law.

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However, there is an important point to make here, which is that this only applies when you are using credit extended by the company offering the gambling (casino, bookie, etc). If you use a credit card company to pay for internet gambling, that is a legally enforceable debt the same as it would be in any other circumstance, because you have borrowed money from the credit card company, not the casino. It is now against the law in the US to use a credit card to pay for online gambling.You will find that many credit cards will regard a payment to an internet gambling website as a cash advance. This is then clearly borrowing money from the card company and the debt you incur can be pursued through legal action. If you do use a credit card to pay for online gambling this way, you should be aware that cash advances on credit cards are almost always charged at a much higher rate of interest than normal credit for purchases.How To Deal With Debts Caused By GamblingIn dealing with gambling debts, there are two separate issues to tackle. One is the debt itself, and the other is the habit of gambling that led to the debt. Even if the debt is dealt with, it is likely to build up again if the root cause is not tackled too. Let us first consider the problem of paying off the debt.The principles for tackling debt are nearly always the same, irrespective of the causes of the debt. To permanently deal with debt you should not be considering borrowing more money or paying anyone to deal with your debt for you. These courses of action are likely to deepen your debt in the long run.With a little advice, you can deal with your debts yourself, by contacting your creditors and agreeing terms for repayment that you can afford. There is clearly more to it than that, but it is beyond the scope of this particular article. The process is straightforward and allows you to take back control of your finances.Factors Leading To Internet Gambling DebtsIt may help to have an understanding of why some people can become addicted to online gambling. The following are often contributory factors:Gambling can be thrilling, leading to an adrenalin rush and feelings that we want to recreate time and again.Many addictive gamblers think that they can win money and that this will solve all their other problems. It actually just leads to more problems by creating debt, which can then make it seem even more important to win the money, creating a vicious circle.Addiction to gambling can actually be a mental disorder, which can lead to a compulsive need to gamble.

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Being addicted to online gambling is often associated with other personal difficulties, including depression and stress.Online Gambling Debts – The Warning Signs You may have a problem if you can answer yes to any of the following questions:When you are not gambling, do you think about gambling and how you are going to get back to it?Have you ever missed work because of online gambling?Do you feel the need to gamble again after winning or losing?Is the length of time you spend on gambling getting longer and have you ever spent longer online than you thought you had?Are you secretive about your gambling with family or friends and do you dislike other people bringing it up?Practical Steps To Tackle Online Gambling Addiction If you think you may have a problem with online gambling, here are a few simple steps you can take to begin to reduce or stop the habit:Be open with friends and family and seek help with the problem.Cancel any accounts you have with websites for online gambling.Consider using software that blocks your access to online gambling websites.Keep a proper, ongoing record of everything you spend – take steps to bring home the fact that the money you are using is real.

Equestrian Style in Your Home

September 9, 2016

Your love for horses doesn’t need stop at the barn. Horse people enjoy having decorative horse elements in the home. Whether you are a lifelong equestrian, an admirer of horse sport, or someone who loves the equestrian look, having equestrian style in your home adds character and tradition. How you bring equestrian elements together can make the difference in telling a story or having your items overlooked.Equestrian style was popularized when Ralph Lauren hit the fashion world by storm. He made both nautical and equestrian styles livable for mainstream people. It became possible and affordable to have the sporting lifestyle look. And while many people took up stirrup pants and hacking jackets, decorating with equestrian style has been around for hundreds of years. Look no further than the English countryside. Whether you have acquired equestrian pieces from the barn, or you are just starting out, giving your home or space an equestrian estate feel is not difficult. As with any design, the key is to start with a plan that includes well-thought-out furniture placement and a good color scheme. Traditional furniture works best when designing an equestrian style space. Dark, substantial wood furniture with good quality upholstery or leather gives mind to the English countryside, where most equestrian trends originated. Steeped in custom and tradition, equestrian elements have changed little through the centuries. Garner ideas from books and magazines, or search the internet for ideas.

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Once furniture placement has been established, anchor the space with a good rug. Vintage rugs protected fine wood floors from muddy hunting boots, numerous hounds, and country parties. These rugs were handmade and vegetable dyed. Today’s production rugs lack some of the character of the older rugs, but can still lend the style and are always a smart choice to bring a space together.Equestrians love art, and art that includes the horse is always a favorite. Some equestrian artists have stood out through the years, with George Stubbs being immensely popular during England’s sporting days. His works are traditional, beautiful, and have color schemes that are easy with which to work. Reproductions of his paintings are available on the internet.No equestrian space would be complete without horse tack, the equipment leather goods used in riding and training horses. Whether you choose stainless steel stirrups or bits, old horseshoes, or leather strap goods, these pieces strategically placed are key elements to bring your space to life. A favorite of ours is a silver mint julep cup used to hold pens or flowers. Stirrups make good bookends. Harness brasses can be framed or mounted cleverly over light plates. Snaffle bits can serve as window panel tie backs. Equestrian books are another design element that is readily available and brings authenticity to your space. These books are available as novels, training books, or picture books.

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To add softness and comfort to your space, yet still maintain style, consider adding needlepoint or horse themed equestrian pillows. Throw pillows come in many styles and colors. Look for traditional fabrics and authentic embellishments like fox hunt buttons, harness brasses, or other pieces of horse equipment.Bringing equestrian style to your home or space adds character. Horses have had a close relationship with man for most of human history. Only since the invention of the automobile have we been so distanced from him. Bring equestrian style to your home by using these design ideas, and bring horses into your decor.

Start Your Italian Vacation With Roman Art History

October 31, 2016

You have chosen to go to Italy for your vacation this year, to find that ancient Rome which is said to assert, even these days, its influence in all areas of our cultural, intellectual, and technical life. In a sense, you are delving into your individual roots, even in the event you also plan to check out the contemporary scene, the shops, the restaurants, the bustling cities. You are individual experiences at home have prepared you for an appreciation of the modern, but are you prepared to appreciate the historic civilization of Rome, the artifacts which are left of the empire and that stand out as visible reminders of bygone times? In the event you wish to fully appreciate that past, prior to you go, take a little time out of your hectic schedule to study Roman art history, Roman painting, Roman sculpture, Roman architecture, in order that once you stand just before it, its speaks to you as it spoke to individuals Romans long ago at the dawn of Western man.

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As soon as you open a book on Roman art history, you will find that the Romans have been lovers of Greek art. Outstanding in literature, poetry, history, philosophy, the Romans seemed to let their fascination with Greek art dominate their entire outlook on art, so significantly to ensure that numerous art historians fail to see something that clearly sets Roman art off from Greek art. To some extent, this is true. The Romans imported Greek art from every age of Greek art, from the Archaic, Classical, and Hellenistic periods. Not only did they import these styles, but they also imported Greek artists to produce new operates for Rome. Roman writers on art in individuals times hardly wrote something on Roman art, but they wrote copiously on Greek art, lauding it as the height of artistic endeavor. So fascinated have been they by the Greeks, the Romans did not even record the names of their individual artists, yet the art criticism from people times lavish praises on the Greeks: Phidias, Praxiteles, Polyclitus and other famous Greek artists. Entranced by the Greeks?who would not be?the Romans had been without question, artistic imitators of the Greeks.You may well do well when preparing for your vacation to Italy to give some consideration to Greek art history, seeing how influential the art of Greece was in Roman art history. Perhaps, if you’re going primarily to witness the artistic tradition of the West, you may do just too to very first visit Greece, Athens, in order to obtain a full sense of the origins of Western art.In the event you have time only for Rome, you will still be exposed to the Greeks styles expressed through the vision of historical Rome. Your reading in Roman art history will also help you distinguish individuals contributions that happen to be distinctively Roman?yes, they did expand on Greek art, creating a specifically Roman expression. The Romans had been not able to totally eliminate their personal unique history from their operates. The influence of their Etruscan forefathers emerges in a lot of the sculpture and architecture of the later Roman period. Read a history on Roman art and learn far more on what distinguishes Roman art from Greek art. Once you stand previous to the temple of Sibyl in Tivoli, outside the Sanctuary of Fortuna Primigenia, inside the Colosseum, inside Pantheon of Rome, you will see much more than architecture; you will see historical Rome.

Insight: Five Reasons the Nonwovens Market Shows No Sign of Slowing Down

September 10, 2016

Today, innovations in nonwovens are growing as quickly as global demand. From housewraps to laundry aids, nonwovens open up a large and ever-increasing number of possibilities for a range of industries.This insight refers to all industrial nonwovens which are sold business to business and are used mostly in commercial operations. Applications are diverse, and include automobile body degreasing, hard surface cleaning and skin preparation. In 2012, the global consumption of industrial non-wovens was 3.30 million tonnes, and this is forecast to reach 4.95 million tonnes by 2017.In this insight, we examine: what are the main drivers behind this impressive growth of industrial nonwovens?1.) Low raw material supply and cost
Industrial nonwovens are less expensive to produce than most alternative products. This low cost is measured not only in currency but in consumption of raw materials. Nonwovens use a significant percentage of European and American wood pulp, which is not petroleum based, and is also renewable and relatively inexpensive. As oil is expected to increase in both demand and price until 2017, use of natural fiber for nonwovens in the place of petroleum based material is favourable.Water is also becoming a scarce resource as industries and populations compete for supplies. Woven cotton textiles require a great deal of freshwater irrigation, as well as chemical fertilizers and pesticides. The replacement of woven cotton textiles with wood pulp and/or rayon-based nonwovens therefore not only saves money, but valuable resources.

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2.) Advantageous manufacturing processes
Nonwovens are usually made using relatively new technologies and use less energy, produce minimum effluent and require fewer raw materials than older methods of production. For example, the now common spunbonding process is only around 50-60 years old, whereas textile spinning and paper-making have been around for a few thousand years.There are also fewer resources required during the nonwoven production process. Spunlaid, needlepunch, carded and airlaid nonwovens use little or no water, while spunlace uses almost no chemicals and recycles 99% of the water it uses. Nonwoven processes are typically very flexible. This has meant that many industrial processes can rapidly and inexpensively change to produce multiple different products, allowing a much greater degree of product diversification than is possible with wovens or other materials.3.) Regulation and sustainability concerns
Environmental responsibility influences the manufacturing methods of most industrial products, and nonwovens are no exception. Regulatory pressures and retailer proactivity have meant that movement towards sustainability is now common in this market.Those in the nonwovens industry feel that sustainability is a need driven by both consumers and governments, and the time to act is now rather than later. For example, while packaging has been the main area of emphasis, Walmart has acknowledged that other areas, such as nonwovens, are also important.This impacts both the consumer nonwovens market and the industrial nonwovens sector, and the suggestion that the world’s largest retailer might judge and select nonwovens based on the environmental performance of the suppliers has had an immense effect. A wide variety of products have begun changing for environmental reasons: airlace, with woodpulp replacing rayon in traditional spunlace for wet wipes, airlaid pulp replacing highloft polyester in automotive insulation, and a new ‘repurposed cotton’ fiber for use in spunlace are now marketed.4.) High performance
In some cases, industrial nonwovens materials deliver properties unattainable by other materials, leading to their increased popularity. Exemplary materials include clean-room wipes, which provide a highly entangled web with high strength and abrasion resistance. The large quantity of water used at high pressure tends to remove all loose fibers or particles all at high speed and relatively light basis weights. There are no woven products comparable.

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There are dozens of other instances where nonwovens just perform better than equivalent products, from industrial wipes to automotive insulation, from packaging to battery separators. Sometimes the pure performance of a product rather than cost or convenience drives this market.5.) New and competitive materials
The nonwovens market continues to evolve and adapt in order to best serve the needs of various industries, especially in terms of cost and performance. In spunlace, a precursor web containing segmented bicomponent fibers makes it possible to produce both a cost-effective and high performance microfiber substrate, useful in filtration and industrial wipes.Airlaid is already 80-90% wood pulp, one of the most sustainable raw materials in nonwovens. Low-density versions are a suitable replacement for foam plastic packaging, and combined with a dispersible binder, airlaid is perfect for repulpable packaging or flushable wipes. This constant adaptation to keep up with a fast-moving industry has meant that the global market for nonwovens shows no signs of slowing down anytime soon.

Transportation Logistics To Fit Your Needs

October 31, 2016

Not only businesses, but sometimes people also, require the fast and efficient shipment of different packages, which can be time consuming, difficult and rather expensive, especially when trying to manage the supply chain for international shipments, when trying to deliver hazardous packages or objects with odd shapes. That is why many people choose to entrust this task to transport logistics company, that can manage the supply chain, offer various shipping services (overland, air and ocean freight, charter, intermodal, warehousing), as well as other services such as customs brokerage, consulting (finding the right shipping strategy, developing a logistical plan to save you time and money, customized logistic solutions).In this article, we are going to talk about a few of the options a transport logistic company can offer and how they can make your life easier. There are a lot of companies that focus on this industry, so it is important to understand your options in order to make the best choice possible.

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The majority of these companies offer a full package of services, like those we mentioned before. However, there are some companies that are active in the transportation logistics field, but offer only a part of these services, making it important for you to determine just how many of them you truly need.We are going to begin with the courier services offered by transportation logistic companies. Many of them are resellers of courier services, meaning that letter services can sometimes be smaller than those of the original courier service.Now we are going to talk about the air freight service, a service offered by many transportation logistics companies and requested by many clients. Let’s say you have to urgently send a package and you don’t want to spend the big amounts of money by sending it overnight with FedEx or UPS. If sending it is so urgent that using an overland delivery is out of the question, the only choice is to send it by air freight. Many transport logistics companies can send your package via air cargo. They are going to place your package on the cargo flight that are scheduled to take off, but are not already full. This way, you can make sure that even the most heavy of packages reaches its destination, however far away it may be.A third service that is highly requested, due to the fact that it has proven to be one of the most cost efficient of all delivery methods, is ocean transit. However, if you rely a great deal on the timeliness of the delivery, sending packages through ocean cargo shipments may prove inefficient, because ocean shipment depend a great deal on weather conditions, the chosen route and other factors.

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Lastly, we are going to talk about charter. If you company needs to make shipments that are very large, the most practical and cost efficient solution may be renting a chart. Many transportation logistics companies have connections with charter shipping partners and can facilitate such a process, allowing their clients to save great amounts of money.If you want to find out more about other services, such as intermodal deliveries, warehousing or customs brokerage, don’t hesitate to go on the sites of transportation logistics companies and make an extensive research.

Affordable California State Child Health Insurance Plans – I Can’t Pay Much

September 9, 2016

Finding Affordable or No Cost Insurance For Your ChildEvery child needs dependable health insurance. However, not all parents can afford the full cost of private medical insurance. As a result, there are a variety of programs offered by the state of California and private organizations that can provide health care to financially strapped families. Through these programs, there should be no child in California that doesn’t have health insurance.In the sections below we will give an overview of the child health insurance programs that are available in California. Some of these plans provide complete coverage for children at no cost, and others provide just the basic services. Then we’ll outline the steps parents should take to find the best program for their children.Medi-CalThis is the name for California’s Medicaid program. The program is administered by California, and is financed equally by the Federal and State government. Medi-Cal provides no cost health insurance to low-income families, seniors, and people with disabilities. People that qualify for Medi-Cal can receive free preventive care, treatment for injuries and illnesses, dental care, vision screening, and mental health treatment.This program is one of the cornerstones of the Affordable Care Act, and will expand considerably to take in new people in 2014.Healthy FamiliesThe healthy families program provides low cost health insurance to the children of low income families. This program provides a variety of services such as medical, dental, visions, and preventive care. The program requires families to meet certain income requirements which may viewed at the following link: http://www.healthyfamilies.ca.gov/HFProgram/Income_Guidelines.aspx

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The Healthy Families program is being rolled into the Medi-Cal program during 2013. The transition plan will ensure that families do not see a disruption in services, and will increase the benefits that children receive once inside of Medi-Cal. Healthy Families is still accepting applications for new children.Child Health and Disability Prevention Program (CHDP)This is not an insurance program. However, the program does assist low income families in obtaining preventive care and health assessments for their children. CHDP provides checkups, nutrition evaluations and guidance, immunizations, hearing, and vision screenings. This program is administered by the state Department of Health Care Services (DHCS). The program helps families determine their eligibility for assistance programs, and enroll in the appropriate care program, such as Healthy Families and Medi-Cal.Children’s Health Initiative (CHI)Children’s Health initiative is run by an independent non-profit known as The Institute For Health Policy Solutions (IHPS). CHI works with many counties to reach the low-income families with children that don’t have health insurance. CHI works with families whose income is less than 300% of the Federal Povery Level. By providing technical support and guidance, programs are created in each county to create “Healthy Kids” insurance plans in a partnership with the local communities and businesses.CHI helps families determine which state programs they qualify for, and can assist in the enrollment process.For information about CHI in your county, see the following map of California: http://www.ihps-ca.org/localcovsol/cov_initiatives.htmlCalifornia Children’s Services (CCS)CCS is a state program that provides health care assistance to children up to age 21 with special health problems. The program works with Medi-Cal and Healthy Families to provide case management and ensure that children receive the right care and see the right physicians for their special health needs. Examples of special health problems are cystic fibrosis, hemophilia, cerebral palsy, heart disease, cancer, and traumatic injuries.Steps You Should Take To Find Affordable Child Health InsuranceIf the mother of a baby is enrolled in Medi-Cal or the Aid for Infants and Mothers (AIM) program, then the steps below will not apply for getting baby health insurance after birth. In this situation, the baby will be transferred into Medi-Cal with the mother, or into Healthy Families or Medi-Cal if the mother is in the AIM program. For all other situations, use the steps outlined below.

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The first step is to look at the coverage map for the Children’s Health Initiative above. If CHI has an active program in your area, then this program can act as your partner in helping you get into the correct health program.

If CHI is not active in your county, then contact the Child Health and Disability Prevention Program. This office can help you through the process of finding the correct program and assist you in filling out the necessary forms, or they will put you in contact with a local office for assistance.

If neither of the steps above works, then you should contact your local Medi-Cal office. Medi-Cal will be your lowest cost solution, so start with this program

If you do not qualify for Medi-Cal, then contact the Healthy Families program.
No child in California should be left without health insurance. By providing the proper care and nurturing, we ensure a better future for our state. The programs we have outlined above can provide families with financial difficulties, the health care their children need. The first move is to follow the outlined path, taking one step at a time, and enrolling your child or children.