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Posted by on May 4, 2016 in Family Life | 0 comments

Signs That You Need To Consult A Marriage Counselor

When we decide to get married, we aspire to make it work and perfect. Just like in fairy tales, our objective is to “live happily ever after.” But like what they say there is no such thing as perfect. While we want to make our married life work, there will come a time when things will not go well. Most couples who still believe that they can still fix their marriage end up making things worse.

Just because you cannot fix your relationship does not mean it is beyond repair. It only means that no one wants to give in and you are fixing it based on what you want. If your spouse is no longer happy, there is a relationship problem that you need to fix. According to the website of Kathleen Snyder, relationship struggles can be difficult for couples to handle. This is where a marriage counselor can help you.Seeking the help of a marriage counselor can work wonders for the married couples. Figures from Statistics Brain revealed the following numbers:

  1. 65% of couples reported significant improvement after seeing a marriage counselor
  2. 75% of couples believe that they are “better off” after a counseling session
  3. 50 percent of couples still maintain their improved relationship two years after counseling
  4. 22% of couples who attended marriage counseling cite love for each other as their reason for attendance while 19% say that they do not communicate well
  5. Married couple would attend an average of 20 sessions in marriage counseling

But when is the proper time to get into marriage counseling? Here are some of the signs that you need the help of a relationship professional:

  1. When there is no communication. In reality, the challenge in most relationships is the lack of communication. When couples do not talk, it is usually hard to get back in the right direction. A counselor can device new ways for the people to communicate
  1. When there is communication but always negative. When the talking is in the negative, your spouse would feel that they are being judged, shamed, disregarded, or insecure. When the married couple talks in the negative, the communication turns into emotional abuse
  1. When you are afraid to open up. When there is an issue that you need to communicate with your spouse but you just cannot do it, it is really a problem. A marriage counselor can help you clear things up with your spouse.
  1. When affection is taken as a punishment. When you give your spouse the silent treatment and vice versa, it only shows imbalance in your relationship.
  1. When you are considering or already having an affair. Contemplating about having an affair shows that you are looking for something different from your current relationship. While survival is still possible even after the affair, it is best to nip it in the bud right away. As long as you and your partner are committed to working things out, the marriage can still be saved.
  1. When you are living independent from each other. When you and your partner become more like roommates than a married couple. The lack of communication, intimacy, and the feeling of just “co-existing” is a tell tale sign that something is wrong with your relationship and you need a professional to bring back the spark in your relationship.

Marriage is not like a grocery item that you can easily return and replace with another item. It is a life long commitment. For any signs of trouble, the couple needs to work things out or if they cannot, a marriage counselor can help them patch things up.

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Posted by on May 3, 2016 in Online Services | 0 comments

5 Reasons Why Live Chat Makes Sense for Your Business

Providing excellent customer service is one of the keys to the success of your business. You want to make sure that your customers gets the best experience in your website. They may have some queries or concerns that needs to be addressed right away. You don’t want to keep them waiting or else they might go somewhere else. This is where a live chat platform will come in handy. You can cater to the needs of your customers right away without having for them to wait a long time.

Numbers Don’t Lie

Several statistics have showed why live chat is the best form of customer service. Not only does it provide several benefits but also delivers a high level of customer satisfaction. Here are figures that proves live chat is worthwhile for your business:

  • 73% of satisfied customers prefer using live chat than any other support methods such as email, telephone, and social media.
  • 44% of customers revealed that having a live chat address their inquires while making an online purchase was one of the most important website offerings
  • While making an online purchase, 83% of customers got live chat support
  • 62% of customers were more convinced to make purchase if customer support was available
  • 63% of customers were more likely to come back to a website that has live chat features

Benefits of Live Chat

Here are some more reasons for considering live chat for your business:

  1. Live chat turns leads into potential customers

As you are able to address concerns and queries right away, live chat helps convert leads into sales. A recent study revealed that chat can increase conversions by approximately 20 percent. According to the website of Lasso Live Chat, these features can make visitors feel that their needs are being satisfied and concerned being heard.

  1. Live chat increases customer service efficiency and reduces customer service expenses

Aside from easy installation, a live chat program can also be easily learned. In addition, the cost per transaction is significantly lower than other communication channels. The customer service rep can also interact with multiple clients simultaneously while still offering “personalized” service.

  1. It can boost the level of customer satisfaction

An an emarketer.com survey found that 63% were more likely to return to a website that offers live chat. When the customer see the chat button, they become more confident.

  1. Increases the likelihood of purchase from the customer

A study by Marketing Power revealed that customers who use live chat are three more times more likely to purchase since the method is direct and personal. Live chat can help you focus more on the needs of your competitors.

  1. It gives you a competitive advantage over the competition

The 2013 U.S. Wireless Customer Care Non-Contract Performance Study revealed that customers prefer live chat than other communication channels thus giving you a competitive advantage over competitors.

In this day and age when competition in the industry is quite competitive, you need to find a way to make your business stand out from the competition. Adding the live chat feature is one effective way to give yourself a competitive edge in the industry.

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Posted by on May 2, 2016 in Workplace Injuries | 0 comments

Preventing Workplace Injuries

Preventing workplace injuries is the responsibility of both the employer and the employee. In legal parlance, this is called duty of care. For the employers, it is their responsibility to take all the necessary steps to ensure the health, safety, and well-being of their employees. Business owners must not view this as a legal duty but as a business case as well. For employers, showing duty of care helps build and reinforce their trust and commitment to employees. Likewise, it helps improve staff retention, boost productivity, and greater employee engagement.

While the employers put the policies and guidelines in place, it is the job of the employee, on the other hand, to follow the practices, participate in the training and report hazards. Under the law, employees have the right to refuse work that will undermine their safety without fear of disciplinary action.

Employers are also legally bound to abide by relevant health & safety and employment laws as well as the common law duty of care. They also have the moral and ethical duty not to cause or fail to prevent, physical or psychological injury which they must fulfill to prevent personal injury and negligence claims. An employer is guilty of violating their duty of care once they fail to do everything reasonable in the circumstances to keep their employees safe from harm.

The Occupational Health & Safety Act and Regulations outlines the different safety requirements that all businesses must meet for the sake of their employees. Here is a partial list of an employer’s duty of care to their employees:

  • Ensure that the workplace is free from serious recognizable hazards and complies with standards, rules, and regulations based on the OS & H Act
  • Make sure that workplace conditions conforms with applicable OSHA standards
  • Provide safe tools and equipment and ensure that employees use and properly maintain them
  • Establish color coded posters, signs, or labels to warn employees of potential hazards
  • Maintain or update operating procedures and inform employees so they can follow safety and health requirements
  • Provide employers with safety training in an understandable language
  • Implement a written hazard communication program and train employees on proper precautions about exposure to hazards

Here are some of the workers’ responsibilities as laid down in the Occupational Health & Safety Act and Regulations:

  • Protect their own safety and health as well as of their co-employees
  • Work hand in hand with their employers on safety and health concerns
  • Inform their employers about any workplace situation that could be hazardous to them
  • Follow the provided safety instructions and training
  • Properly use and maintain safety equipment and devices

Employees rights as provided for in the Occupational Health & Safety Act:

  • Be informed about workplace hazards
  • Take part and assist in determining and solving health & safety issues
  • Refuse unsafe work

According to the website of LaMarca Law Group, P.C. despite these standards being in place, workplace injuries are still a common occurrence in American companies. Employees must be vigilant in safeguarding their health and safety in their workplace to prevent accidents from happening.

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Posted by on May 1, 2016 in Insurance Information | 0 comments

Facts About Car Insurance You Should Know

Now more than ever, with the increasing costs associated with car accidents, having car insurance has become a necessity. Having insurance is such a convenience when you get involved in road crashes. It frees you from having to make those out of the pocket expenses for any repairs that may arise from the accident.

You need to understand the terms of your policy so that you will know how to deal with your provider in case they try to shortchange you. With that in mind, here are some facts about car insurance that you need to know:

  1. Car insurance does not provide coverage for lost personal items due to vehicle theft. If you are fond of bringing expensive items in your car such as laptops and GPS devices, you may not be able to get coverage for them in case of vehicle theft. If you want coverage for them, you should include a rider on your policy for covering them.
  1. Occupation can affect your auto insurance rates.Depending on your occupation, it is possible to get discounted rates on your insurance premium. For instance, an engineer is likely to get discounts because they are considered less risky.
  1. The kind of car you drive can affect your car insurance rate

Most insurance companies use insurance accident statistics compiled by the Highway Loss Data Institute when setting prices on insurance. So the more expensive your car is, the higher will be your insurance rate as the insurance provider will have to pay more. If your car is the type that is less likely to be stolen, you get lower insurance rates as the insurer will pay less when you get involved in an accident.

  1. When switching auto insurance policy, make sure to cancel your previous policy. When you fail to do so, it will be reflected in your credit report as canceled due to non-payment.
  1. Auto insurance is tax deductible when used for business. Simply, indicate the amount of time your car is used solely for your business. Let us say that you used your car 30% of the time, then 30% of your auto insurance is deductible. Your best option is the flat per-mile reimbursement instead.
  1. Being a safe driver can contribute to lower premiums. Most insurance companies will consider things like safety features, safe driving record, anti-theft devices, and others. So make sure that you are fully rewarded for being a safe driver.
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Posted by on Apr 30, 2016 in Natural Remedies | 0 comments

Natural Remedies For Treating Dry & Itchy Scalp

Getting rid of an itchy scalp can be a major issue especially for women. Of course, no one would want to see loose flakes of dandruff falling off on their clothes. The scalp contains sebum (sebaceous glands) designed to moisturize the hair and scalp. When it looses its moisture, the scalp becomes dry, white, and flaky. For most people, an itchy scalp can be a cause of embarrassment and discomfort.

Dry and itchy scalp can be caused by stress, environmental factors, diet, chemical based hair products, and hot water. According to the website of Therapy Hair Studio, getting professional hair care need not be a burden. In fact, you do not have to spend a huge amount of money to treat your dry scalp. Here are 5 natural remedies for getting rid of an itchy and dry scalp:

1. Apple Cider Vinegar

Apple cider vinegar contains powerful anti-inflammation properties that gets rid of the yeast and virus that causes itchy scalp. Likewise, it helps balance the pH levels of the scalp, which can help relieve itching and dryness. Yeast does not thrive in an acidic environment so applying an ACV solution can be helpful. To treat dry scalp, do the following:

  • Rinse your hair and scalp with water and let it dry.
  • Mix equal amounts of apple cider vinegar and water and pout it into a spray bottle. Using cotton balls, apply the mixture directly onto your scalp
  • After a few minutes, shampoo with normal water

2. Aloe Vera

Aloe Vera are known for its moisturizing properties, which can help soothe dryness and itching. It can be derived straight from the plant or the organize gel that are available in most stores. Aloe vera is a natural emolient and has a calming property.

3. Tea Tree Oil

Tea tree oil contains natural antifungal, anti-inflammation, and antibacterial properties. It kills the bacteria that causes the over production of skin cells. It can soothe the scalp when used with shampoo or conditioner. The Mayo Clinic says that there is some evidence that Tea Tree Oil can help with acne as well, but cautions against consuming the oil, as it is somewhat toxic when taking internally.

4. Coconut Oil

Coconut oil not only treats the scalp but gets rid of dandruff problem. It creates a barrier that keeps the skin moisturized. It contains capyrilic acid which helps keep fungus from developing. It can become even more effecitve when combined with tea tree oil.

5. Baking Soda

Baking soda exfoliates the scalp and controls dandruff caused by overactive fungi. To get the best results, make a paste using a baking soada and water mixtue and then apply it directly onto your scalp. Leave it for 10 to 15 minutes and then rinse well with water.

These natural remedies can contribute a lot to eliminating dry and itchy scalp.

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