Can I purchase a travel insurance policy now, even if I haven't paid ...

Oftentimes, travelers question whether they can purchase their travel insurance policies before they?ve paid for all of their non-refundable travel arrangements. Some travelers are only required to put down a deposit toward their trip, but don?t have to pay it off until later. In these situations, ?travelers have the option of increasing the insured amount on a policy up until the day before departure.

However, if they are interested in purchasing travel insurance early to maximize the pre-existing condition or ?cancel for any reason? benefits, there are a few things to be aware of.

Because the pre-existing condition and ?cancel for any reason? benefits are time-sensitive, they should be purchased as close to the initial trip deposit as possible, usually within 14-30 days. For travelers who have subsequent trip payments to make, it is important that they know what they need to do in order to maintain these time-sensitive benefits.

If a traveler has 14 days from their initial trip deposit to purchase a policy that will include ?cancel for any reason,? then with each subsequent payment made, they must increase their trip cost on the policy within 14 days. It is important to remember that with ?cancel for any reason,? travelers must insure the full trip cost.

As long as these modifications are made within the specified time frame, and the full trip cost is insured before the departure date, the traveler will maintain these benefits.

Related articles:

Source: http://blogs.squaremouth.com/travel-advice/can-i-purchase-a-travel-insurance-policy-now-even-if-i-havent-paid-my-entire-trip-cost-yet/

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Making Workplace Wellness a Small-Business Priority Arogya World ...

By Chelsea White, Arogya World Advocacy Intern

Employer ? sponsored programs support employees in developing and sustaining behaviors that reduce health risks and increase personal effectiveness ? saving employers money on healthcare expenses while simultaneously increasing productivity. Employers are finding these programs to be a win-win, as they help employees live healthier lives while simultaneously improving the bottom line. Unfortunately, many small and medium-sized businesses find themselves unable to afford the initial investment that can earn them these great returns. State?led wellness programs and public-private partnerships could make these programs accessible to small businesses (which employ 55% of Americans, according to the US Department of State).

Programs like Virgin HealthMiles and Wellness@Work have different approaches but the shared goals of increasing employee health and decreasing healthcare costs for businesses. The Virgin HealthMiles program is prevention-focused: encouraging employees to exercise, engage in positive group tasks and competition, and providing incentives to employees for participating in prevention exercises. Employees have flexible prevention plans and are able to record their progress. A public-private partnership in Orgeon, the Wellness@Work program, focuses on health promotion and chronic disease prevention with the goal of providing all Oregon citizens with workplace programs that will encourage them to eat healthier, exercise, and engage in other health sustaining behaviors. From teaching pear-packers to stretch before a shift, to transforming former smoking areas to bicycle storage sheds, Wellness@Work shares success stories that have helped companies save on premiums while creating a healthier and more productive workforce.

Why are these programs so important? According to the New York Department of Health7, workplace wellness programs reduce absenteeism, improve productivity by addressing problems like depression and stress. They decrease healthcare costs, reduce injuries, and improve employee morale, keeping employees healthy so they miss fewer days of work and are more productive overall. Also, they are an added benefit that can entice employees to stay.

According to a study by the Principal Financial Group, for every dollar spent on wellness programs, employers save an average of $3.27 on overall heathcare costs, and absenteeism costs are reduced by an average of $2.73. Over half of the 1,121 participants in the study said they were more productive at work as a result of wellness programs. Also, according to the Harvard Business Review, Johnson & Johnson saved about $250 million dollars over the past decade thanks to wellness programs ? experiencing a $2.71 return on each dollar spent. This kind of return on investment can be even more valuable to a small or medium-sized business, where finances are tight and lost productivity can be devastating to the bottom line. What we need to do now is ensure that they can afford to get started. There are many advocacy groups and laws that promote workplace wellness programs for businesses. It is imperative to create programs that enable small and medium ? sized businesses to benefit from the positive outcomes of workplace wellness programs.
In early 2012, Arogya World launched the Healthy Workplace Recognition Program in India. Just this week, we announced the final criteria developed in partnership with the Public Health Foundation of India that will promote workplace wellness, help reduce the burden of Non-Communicable Diseases (NCDs), and offer companies a competitive edge via increased talent retention and higher productivity.

Criteria include items such as:
? Banning the use of tobacco and other tobacco products throughout company?s sites.
? Promoting use of stairs and cycles within the campus.
? Encouraging annual health check?ups for employees.
? Providing affordable healthy food options
? Focus on balancing work/home life

Read the criteria

Speaking at the November 6 launch, Dr Geeta Bharadwaj ? Head, Healthy Workplace Initiative, Arogya World, India, said: ?As chronic disease and stress levels soar and attrition rates rise, it?s imperative that companies shift from illness containment to wellness promotion. Such a paradigm shift would boost positive work outcomes, improve organizational excellence and promote employee retention.?

Read the press release

Source: http://www.arogyaworld.org/making-workplace-wellness-a-small-business-priority/

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Herbal Eczema Treatment - Natural Health

Cellulite is a condition that most women worry about, with about 90% of women suffering from it. Don& rsquo; t despair though it& rsquo; s not difficult to combat and you don& rsquo; t need to spend a fortune either. Here are natural ways to beat cellulite that work. Firstly cellulite is linked to both physical and emotional health and is not a cosmetic condition so it won& rsquo; t ever go away ? However you can cure it, if you make some simple lifestyle changes. You need to nourish your skin and stop fat cells from becoming to prominent and for this you will need to do the following: 1. So, instead of wasting away your life with illness and improper care of your health, you should invest the time to get the information you need to have a healthy, full life! If you are sick, you probably take a trip to see the doctor. Therefore he lives to die another day. Weight gain ( not to mention high cholesterol and triglycerides). The alcoholic spirit carried yet a further degree, the cerebral or brain centres become influenced; they are reduced in power, and the controlling influences of will and of judgment are lost. The good news is that these viruses have been around as long as life has been on this planet, so other life form, as well as your own body has the natural compounds and systems to fight off and control these viruses. Once they are obese, they have herbal eczema treatment bigger chances of accumulating type 2 diabetes. We have never,? says Dr. Internet provides an answer to almost every question and people are taking online astrology seriously. It 8217; s the largest organ in your body and has five functions. For those looking for some fast- paced fun, the Nashville Superspeedway is located just outside of town in Lebanon. World travel has now made it possible for a dangerous flu from Hong Kong to be transported in a matter of hours to San Francisco. The Se stands for standardized draw out, object the ingredients are carefully regular and formulated so that each small table or case contains the rigid same morsel of ingredients. It also helps you to get rid of that anger that is inside of you. These three causes are living essentials accepted by other schools of medicine but called by different names. The truth always is! People often visit ayurvedic doctors when they are well. Give your self a holistic development. For many the answer is yes. Cosmetic Surgery is a booming business, and you won??? t have problem in finding a cosmetic surgeon near your home. The author has been writing articles on interesting topics such as health, relationship and dating. The technique here should be to reduce calories without the body slowing its metabolism. Your body shows some signs that you have built up toxins. To start your research, find out what herbs and natural ingredients have been shown to work on acne in the past. The parents should also aware of the vaccination for the children in their younger age, which creates immunity power for them. By eating good foods, you are not only protecting your heart but you??? re also gearing towards attaining an ideal weight. Because of the affects of Valerian it is advised that you avoid driving or operating heavy machinery. Make A Pit Stop At The Doctor? s OfficeThey say an apple a day keeps the doctor away. Garlic and Vitamin E improve circulation; lowers cholesterol and blood pressure levels; and is great for herbal eczema treatment overall heart health. It works perfectly with your immune system while putting all your body functions to balance. Surely no Pandemonium that ever poet dreamt of could equal that which would exist if all the drunkards of the world were driven into one mortal sphere. More importantly, enjoy the money that you have worked for such a long time. The advantages of vitamins B, C, E along with certain other minerals are well considered and widely recognized. It? s certified by the Europe- based Frezenius Institute to contain all the natural trace elements found youtube news gmail in the body and helps regulate water content, promote bone strength, blood sugar and sinus health and other benefits.

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Source: http://healthylove.info/herbal-eczema-treatment.html

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Giffords and family to face shooter

A source close to former Congresswoman Gabrielle Giffords and Shuttle Commander Mark Kelly tells ABC News exclusively that both Giffords and Kelly will be at the sentencing of Tucson gunman Jared Loughner Thursday.

It is expected that Kelly will make a statement in court on behalf of the couple with Giffords standing at his side.

This will be the first time the couple see Loughner in person.

On Jan. 8, 2011, Giffords was shot in the head while meeting constituents at an Arizona supermarket. In August 2012, Loughner pleaded guilty to the mass shooting that left six dead.

Giffords, who made a remarkable recovery, stepped down from the House in January 2012.

Also Read

Source: http://gma.yahoo.com/blogs/abc-blogs/giffords-attend-loughner-sentencing-234153821--abc-news-topstories.html

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Obama's victory clouded by looming 'fiscal cliff'

2 hrs.

John W. Schoen , NBC News

Congratulations, President Barack?Obama. Now you have just 49 days to resolve a $600 billion?fiscal crisis that could push the economy back into recession.

The slow, steady improvement in the economy that helped Obama defeat Republican nominee Mitt Romney Tuesday?is in peril if he can?t quickly forge agreement with a still-divided Congress?on a new budget that delays steep tax increases and deep spending cuts.

The so-called ?fiscal cliff? ? set to take effect Jan.1 ? is a doomsday budget package Congress enacted in 2011 to try to force compromise on a series of bitterly divisive policy choices. Economists and politicians, including Federal Reserve Chairman Ben Bernanke, have warned it would almost certainly wipe out any progress the White House has made in reviving the economy and creating jobs.

Concern about the fiscal cliff was among the factors driving down stock prices sharply in a post-election slump. The Dow Jones industrial average was down nearly 300 points in its biggest one-day slump in nearly a year, pushing the benchmark index below the 13,000 level before it recovered slightly.

Recent reports have shown the economy picking up strength. Growth in U.S.?gross domestic product, though still sluggish, picked up to a?2.0 percent annual pace?in the third quarter from a 1.3 percent rate in the second. After a pause this spring, the pace of hiring picked up this summer, with employers now adding?some 175,000 new jobs a month to payrolls.?Consumers are spending more on big-ticket items, like cars and appliances.

A prolonged budget impasse would reverse those gains.?The hit to consumer spending from higher taxes, along with the loss of government spending, would knock 3 to 4 percent from GDP, according to the Congressional Budget Office.

Related: Stocks plunge on?worries?about fiscal cliff, Europe

"If we go back into recession, we will?likely pull the global economy with us," said Ameriprise Financial? ?economist Russell Price. "The longer a (budget) deal takes, the longer the economy suffers. It?s just that simple."

In their election night speeches, both Obama and Romney hinted that members of?the newly?elected Congress, who have been gridlocked over the issue for months, need to cross party lines to tackle the problem when they resume business next week.

"In the coming weeks and months, I am looking forward to reaching out and working with leaders of both parties, to meet the challenges we can only solve together,? Obama said.? ?We are not as divided as our politics suggests. We?re not as cynical as the pundits believe."

?At a time like this, we can't risk partisan bickering and political posturing,? Romney said. ?Our leaders have to reach across the aisle to do the people's work.?

There are some broad signs that a congressional?compromise is possible before year-end. An influential group of business economists recently indicated support for?some new tax increases to balance the budget. Obama and some Senate Democrats have indicated further cuts are needed in large entitlements like Social?Security and Medicare, by far the biggest contributors to budget deficits.?

A major flash point remains over?the White House's insistence on raising tax rates for the wealthiest Americans?? those earning $250,000 or more. The White House recently renewed its threat to veto any budget deal that preserves Bush tax cuts for those high-income earners.

As both sides begin to look for a compromise, that contentious issue remains.?Despite campaign spending of some $6 billion, voters re-elected a government with virtually the same political make-up as the one that has been deadlocked for years over tax policy.

On the issue of tax rates, the election?didn't?change a thing, according to House Speaker John Boehner, R-Ohio.

?By renewing our House Republican majority," he told a gathering of Republicans in Washington after the election?results were in, "the American people also made?clear?there's no?mandate?for?raising tax rates."

Boehner was set to issue a statement on the budget impasse at 3:30?pm ET Wednesday.

Senate Democratic Leader Harry Reid said he was willing to negotiate with Republicans any time on any issue.

"We have to sit down and go to work on it now, not wait. This was really the message the American people sent," Reid said at a Capitol Hill news conference.

If the House remains dug in over the issue of tax increases, compromise with Senate Democrats and the White House will be difficult to reach ? even if it means reversing recent progress in mending the economy.

?With neither party gaining much political capital during the elections, both have little choice but to strive for a compromise that prevents the hikes in taxes and cuts in government spending that are due to start sucking $600 billion, or 4 percent of GDP, out of the economy early next year,? economists Paul Dales and Paul Ashworth at Capital Economics wrote to clients Wednesday.

Last minute deal?
Ashworth and Dales believe that the impasse will likely be broken at the last minute as Democrats agree to extend the tax cuts for high-income earners and Republicans agree to delay spending cuts.

?So although another recession will probably be avoided, postponing the cliff without tackling the underlying long-term fiscal problems will undoubtedly lead to more credit ratings downgrades early next year,? they said.

The U.S. government's?failure to?get its fiscal house in order after political gridlock set in during the summer of 2011 prompted Standard & Poor's to take the historic step of downgrading the U.S. credit rating from AAA+, its highest, to AAA. Ratings agency Fitch said Wednesday it might follow suit if a pact is not reached quickly.

Some aren't?so sure a compromise will be reached in the lame-duck session.

?The House Republicans are not going to vote for an increase in marginal tax rates,? Tony Fratto, a White House spokesman in the George W. Bush administration, told CNBC. ?They're not going to do it. This is what they believe in. This is their economic policy. They don't want to see higher tax rates. And they believe it's bad for the economy.?

Given that resistance, some political observers suggest that the White House may let the budget impasse extend through the first of the year, allowing spending cuts and tax increases kick in.

At that point, with rates at much higher, pre-Bush levels, Obama and Senate Democrats could propose large ?tax cuts? ? for everyone except the wealthiest - that would still leave revenues higher than they are under current law. That strategy would, in effect, amount to a game of chicken, with the economy the biggest potential loser.

The impact could take time to unfold. While clearly dire in the long run, the economic damage from combined tax increases and spending cuts would be felt gradually in the early months of 2013, according to Jared Bernstein, a senior fellow at the Center on Budget and Policy Priorities and former economic adviser to the Obama administration.

?The way to think about the fiscal cliff is more of a slope,? he said. ?Just going over the fiscal cliff and reversing yourself pretty quickly - the fiscal bungee jump - I don't think it's a good thing, but that's not recessionary.?

Even is a deal if reached, the budget process faces yet another monkey wrench early next year: the looming expiration of the $16.4 trillion?debt ceiling. The once-routine process of raising the government?s legal borrowing created the political fracas that produced the fiscal cliff in the first place.

Source: http://www.nbcnews.com/business/economywatch/obamas-victory-clouded-looming-fiscal-battle-congress-1C6892841

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Accountant I - HigherEdJobs

Job:	WCMC-Finance
Primary Location:	New York City
Organization:	Financial Management
Schedule:	Full-time
Overtime Status:	Exempt
Number of Openings:	1
Grade:	6

Description:
Position Summary

Under general direction, the primary responsibility of this position will be to reconcile the payroll related general ledger balances and report to payroll management the status of each account on a monthly basis. The incumbent will be responsible for maintaining a schedule of recurring monthly entries for each account and will prepare analytical reports to account stakeholders for resolution of reconciling account items. He/she will demonstrate general accounting knowledge and be able to handle all principal areas of expense, liabilities invoice and cash application.

Position Activities

• Analyzes debit/credit activity in Payroll related G/L accounts, including assembling and analyzing financial information. Responsible for contact with other departments, as needed, to communicate account issues.
• Recommends and maintains various internal controls over the assets and accounts of the Medical College including the review and approval of documentation and accuracy of various accounting records such as payroll posting transactions, journal entries and disbursements. Interacts with all levels of WCMC academic and non-academic staff regarding financial and internal control matters.
• Prepares a variety of monthly and special financial schedules and analysis such as a recurring monthly schedule detailing the reconciliation of the opening to closing balance for each account.
• Utilizes SAP to design and maintain subsidiary reports, etc.

Qualifications:
Minimum Requirements

• Bachelor's degree
• Approximately two years' related experience

Highly Desired Requirements Skill and Abilities

• Ability to analyze account data and communicate this analysis to effectively manage an account portfolio
• Effective communication skills, including the ability to interact effectively with different constituencies throughout the Medical College
• Advanced proficiency using Excel, including pivot tables and V-Lookup
• Ability to affectively use Microsoft Word
• Effective organizational and time management skills

No relocation assistance is provided for this position.

Visa sponsorship is not available for this position.

Founded in 1898, and affiliated with what is now New York-Presbyterian Hospital since 1927, Weill Cornell Medical College is among the top-ranked clinical and medical research centers in the country. In addition to offering degrees in medicine, Cornell also has Ph.D. programs in biomedical research and education at the Weill Graduate School of Medical Sciences, and with neighboring Rockefeller University and the Sloan-Kettering Institute, has established a joint MD-PhD. program for students to intensify their pursuit of Cornell's triple mission of education, research, and patient care.

Weill Cornell Medical College's educational mission emphasizes the importance of combining a strong foundation in the medical sciences with extensive clinical training in patient care. By promoting a true social commitment, stimulating creativity, and fostering independent thought and study, Weill Cornell Medical College continues to cultivate the best of tomorrow's leaders in the field of medicine.

Weill Cornell Medical College is an equal opportunity, affirmative action educator and employer.

Weill Cornell Medical College is an equal opportunity, affirmative action educator and employer.

Source: http://www.higheredjobs.com/details.cfm?JobCode=175689861

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Persistent sync for neurons

Wednesday, November 7, 2012

A team of Brazilian physicists working with neuroscientists studying freely behaving rats have found that their neurons often act in precise coordination over time, in a study about to be published in EPJ B. These findings stem from the work of Bruno Silva, a researcher at Bahia Federal University in Salvador, and his colleagues from other universities in the Northeastern region of Brazil, and suggest that neuronal networks' memory could be explored in the future.

Because neurons are connected with each other, acting as operational units in the brain, they can be considered as a complex system. The authors thus relied on a theory traditionally used to study complex networks to confirm whether the firing frequency of a given neuron is correlated with that of other brain areas.

Silva and his colleagues constructed a model in which a network node represents a neuron and a network link is included between a pair of nodes whenever their firing rates are correlated. Instead of focusing on few large networks with thousands of nodes as studied by techniques such as magnetic resonance imaging, the authors prepared detailed statistics on the records of a large set (~10,000) of smaller networks.

They found that, irrespective of the behavioral state of the animal , the number of networks with highly correlated activity in distinct brain areas can be represented in a fat-tailed graph representing a widespread probability of such correlation happening. This suggests that such connectivity associated with a specific function of the brain persists over time. Thus, memories in neuronal functional networks could very well be investigated in the future.

Finally, the authors also realised that what remains nearly constant in the brain is not the actual function of individual neurons but aspects of the network structure itself.

###

B. B. M. Silva, J. G. V. Miranda, G.Corso, M. Copelli, N. Vasconcelos, S. Ribeiro, R. F. S. Andrade (2012), Statistical characterization of an ensemble of functional neural networks, European Physical Journal B 85: 358, DOI: 10.1140/epjb/e2012-30481-7

Springer: http://www.springer.com

Thanks to Springer for this article.

This press release was posted to serve as a topic for discussion. Please comment below. We try our best to only post press releases that are associated with peer reviewed scientific literature. Critical discussions of the research are appreciated. If you need help finding a link to the original article, please contact us on twitter or via e-mail.

This press release has been viewed 37 time(s).

Source: http://www.labspaces.net/125112/Persistent_sync_for_neurons

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