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The liver might be the most vital internal organ in the human body. Not only is it the largest, but it also performs the most basic and essential tasks - over 500 tasks, to be exact. It's a sort of processing center that regulates and redistributes.

The liver takes a lot of abuse, from alcohol and medications, to stress and poor diet, so it only makes sense to do all we can to reverse this damage and ultimately protect our bodies and prevent further damage and disease.

For as serious as liver damage is, the treatment is stunningly simple. Incorporating 3 herbs into your diet is all it takes to detox your liver and stimulate regeneration.

Milk Thistle is proven effective in the treatment of almost every liver disorder and disease, including hepatitis, cirrhosis, necrosis, and hepatotoxicity. It's also used to treat liver damage associated with substance abuse.

The active phytochemical in milk thistle is silymarin, a powerful antioxidant that heals liver damage and simultaneously promotes liver cell regeneration and protects the liver against future damage from toxins and poisons. In clinical trials, silymarin has proven extremely effective and pharmaceutically unmatched.

Dandelion cleanses and purifies the blood. This powerful herb increases bile production and flow, and it promotes healthy kidney and gallbladder functions as well. Like milk thistle, dandelion has no pharmacologic equal. Research shows benefits to the entire digestive system.

Artichoke is a serious natural herb (and again, like milk thistle and dandelion, has not been pharmaceutically reproduced). Artichoke's active phytochemical is called cynarin and is found primarily in the plant leaves. Like silymarin in milk thistle, cynarin promotes liver recovery and protection.

Artichoke, like dandelion, also increases the production of bile in the liver and promotes bile flow from the gallbladder to the rest of the body. This makes it essential for the detoxification and health of the entire digestive system, since bile is what digests, breaks down, and flushes poisons, medications and toxins out of the body.

Milk thistle, dandelion, and artichoke, along with simple changes in your diet and lifestyle, are all the body needs to cleanse, purify, detoxify, and regenerate the liver. Because they work in tandem, they can be found combined in herbal supplements. It's incredibly simple.

The best liver formula I have found that incorporates all 3 of these herbs in the highest and safest potency is called Liver Rescue III+

Scott Malin is a widely respected writer on the subject of nutrition and detoxification. To get his powerful 7 Day Detox program FREE, please visit: http://www.organichealthandbeauty.com/7-Day-Detox-Miracle_ep_225-1.html

Hoodia

The Occupational Health and Safety Act (OSHA) is a United States federal law which oversees health and safety in both the public and private workplace sectors. Signed into law by President Nixon in 1970, the goal of the law is to ensure the workplace safety of employees, by requiring employers to remove potential hazards such as unsanitary conditions, toxic chemicals, mechanical dangers, and excessive noise.

The legal forerunners of OSHA were introduced with the passing of the Safety Appliance Act in 1893. This was the first federal law to require workplace safety equipment, although it only applied to railroad workers. Later, in 1910, after a series of deadly mine explosions, Congress created the Bureau of the Mines to research improvements in mine safety. With the increased industrial production following World War II, accidents in the workplace soared to an all time high. In the two years preceding the introduction of the Occupational Health and Safety Act, about 14,000 employees died each year from accidents and another 2 million were injured on the job. Additionally, the increase in the use of manufacturing chemicals exposed workers to greater amounts of hazards.

Heightened awareness in the mid 1960's about the environmental impact of chemical usage increased the public's interest in protecting worker safety, as exposure to toxins was greater for employees than the environment into which the chemicals were dumped. After President Johnson tried to introduce a comprehensive worker protection bill that later failed, President Nixon proposed OSHA. This compromise bill was less demanding on the employers, although it did utilize the Department of Labor's ability to enforce employer violations. OSHA officially went into effect on April 28, 1971, which is now celebrated as Worker's Memorial Day by many American Labor Unions.

OSHA also created the Occupational Safety and Health Administration, an agency within the Department of Labor. This Administration has the jurisdiction to create and enforce workplace standards. The Act also formed the independent Occupational Health and Safety Review Commission to review enforcement actions. Finally, OSHA also established the National Institute of Occupational Safety and Health (NIOSH), another autonomous research organization that forms a part of the Center for Disease Control. By creating independent investigative agencies, OSHA effectively created a systems of bureaucratic checks and balances for the best of worker protection laws and to provide a fair and methodological enforcement of such rules.

If you are interested in learning more, this website concerning workers' rights can provide helpful information.

Joseph Devine

Software Testing

Running an insurance business is never easy at all. Like any trade, owners of insurance companies need to implement strategies to improve their sales. They should continually find ways on how to lure possible clients, yet able to maintain old ones. An insurance scorecard is a helpful tool to guide owners on their way to success.

You might wonder why scorecards are essential. This is because you will never know whether a specific program or business succeeds if you do not have means to measure its success. Many companies use this tool and insurance firms are not an exception. Below are six performance indicators that an insurance company must focus to make success within reach.

First is policy sales. This is regarded as the most basic yet also highly important. Remember that the aim here is to increase policy sales. The management must find ways to improve figures of sold policies continually. One thing that can be done is to give employees proper training on how to hunt possible clients. Customer service is the key here. Employees should learn how to deal with clients in such a way that they will be pleased with the services of the company. Take note that a decrease in policy sales is not a good sign. It will only imply a long-term problem for the insurance firm.

The second indicator is still related to policy sales - ratio of policies. As an owner, always see to it that you get a figure on the ratio of renewed policies against the accumulated sold policies. This is relevant for the company, especially when it decides to implement some changes while updating clients, both old and new ones. Likewise, having this data will give the management an idea of the policy that results to remarkable sales.

Missed payments is the third scorecard. It must be noted that customer contribution also needs to be monitored. Lapses in payments may lead to foreclosure of their policies. This scenario is not good for the company. As much as possible, insurance firms would want to avoid foreclosures, as such is contrary to its aim of keeping clients.

The Fourth performance indicator pertains to lapses or missed payments. The only difference is the existence of a restriction. Here, the tracking must fall within the first two years of the client usage of the policy.

Quota is the fifth indicator. This is important, as such will dictate the direction of the company. Management should impose quota to its agents and collectors. This way, owners can assess the effectiveness of its employees. Likewise, targeting desired sales figures and reaching these can name success for the insurance firm.

The sixth and last metric to be included on the scorecard is total paid benefits. The management must be able to determine the premium percentage through total paid benefits. Having this data is vital, as it will help assess the overall performance of the company.

Take note, however, that the above-mentioned indicators are only among the common metrics included on the insurance scorecard used by successful companies. This means that there are still many options on how to assess the performance of insurance firms. What is important though is to understand that performance indicators are crucial for success.

If you are interested in insurance scorecard, check this web-site to learn more about insurance metric.

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It's great to find an affordable homeowners' insurance policy. And it's great to faithfully pay your premiums. But how do you ensure you do NOT become one of those sad stories of folks who were "let down" by their insurers when they made a claim? This article will take you through this...

1. First, make sure you buy your policy from an insurer that has a great claims history. If you've heard a lot of bad tales about a particular insurer, then it's smart to NOT buy your policy from them. I know the tales might be false, but then you can't jeopardize your home in order to verify. Go for an insurer that already has raving policy holders.

2. Also along these lines, make sure you check with your state's department of insurance. Make sure they have high rating and are licensed to sell insurance in your state. Check with BBB to see how they treat their customers. You really can't be too careful. Remember, you want to ensure you're well covered.

3. Take out time to understand your policy details. Read through the exclusions section. I strongly recommend that you do NOT sign any document until you're very satisfied with the details. When in doubt, ask questions.

Do NOT make any assumptions as to what perils you have coverage for and to what extent. Know for sure.

4. Take an inventory of your belongings. Start with the valuables and then get down to the smallest things you want covered. It's a good idea to get video footage of each of them. Keep them all well. Have good descriptions for each of them. Keep your receipts and warranties safely.

You can go from one room to the other. Finish with one room before you go to the next. Once you've gone through this process, you can always update your list as changes occur in your household items.

If you do all these, you'll make your claims process a lot easier.

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Chimezirim Odimba writes on insurance.

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According to the Insurance Dictionary, an insurance broker is a "representative of an insured, not of an insurance company. Acts of a broker are not the responsibility of the company, and notice given by an insured to a broker is not the same as notice to the company. The broker searches the insurance marketplace for a company in which to place the insured's business for the most coverage at the best price. The broker is not restricted to placing business with any one company."

Thus, a life insurance broker would act on behalf of you, the proposed insured, to find you the most affordable, most appropriate, or perhaps just the available life insurance policy options from an array of different companies. Ultimately, a life insurance broker does YOUR bidding after he informs you of all available options--although he may try to sell you on just what your bidding should be before you give him the final command.

A life insurance broker should be friendly, personable, and readily share with you what companies he works with if you ask him. But of course, he should be very knowledgeable about life insurance and about different life insurance companies. You also want to work with a life insurance broker who is transparent: that is, he will always tell you, if you ask him, how he will be compensated if through him you buy a certain life insurance policy. You should also seek out a broker who has at least five years of experience--because most life insurance brokers got their start as bound agents for one company, and as a result there is little need for you to have to put up with the risk of misinformation from someone inexperienced when you want expert advice.

Generally speaking, life insurance brokers get a percentage of the first year premium that you pay to the insurance company whose product he sells you. He may also earn residuals for keeping it in place through the years and he may be compensated in other ways depending on his agreement with the company in question.

Insurance brokers are, by law, required to act in your best interests first and their own second, should a conflict of interest arise. For instance, if a broker is licensed to two different insurance companies who both offer a virtually identical policy that is of the type you need or want, and all other things such as company quality being equal one company offers a lower premium than the other, he is supposed to make sure you are aware that you can save money with the one company--even if that means he takes a lower commission as a result. If there is ever a clear cut-and-dried case where a life insurance broker sells a policy with a higher premium than the client really needed to pay for the sake of earning a higher commission, he can be sued and he can lose his license to practice.

Life insurance brokers choose who they are licensed to write insurance for. They will thus try to do several different things to improve their own profitability. They will seek to make their offerings as expansive as possible to appeal to as many different potential clients and circumstances as they can. They will also, however, try to do business with companies that pay them the best commissions. Nevertheless, they will also look to insurance companies that offer life insurance products that they want to sell, instead of blindly licensing themselves to companies with good commission rates but inferior or few products. And they will seek to get licensed through companies that will take on most of the customer service burden, because brokers don't have time for traditional CS, as they are too busy prospecting and maintaining client relationships.

So do business with a life insurance broker whom you like and who proves himself knowledgeable. Never let a broker sell you--his job is just to show you all your best options and then place your order for you.

The author lives with her husband in Maryland, with their two dogs and cat. She put together the website http://www.affordable-life-insurance-guru.com in order to help the everyday person navigate the often confusing world of life insurance

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