Almost everyone dreams of owning their own home. You may have saved for a long time to buy the home you always wanted, but now things have changed and you need more room. Home improvement loans could be the answer to your need. You searched far and wide to find the home that was just right for you at the time. The one that met your every desire, but your family has grown and you need more space now. Home improvement loans can be used for a number of things, and this article will talk about how to get a home improvement loan and some things you can use it for.Now that you found the home of your dreams, you don’t plan on moving. You worked too hard to get what you wanted. You love the location and just about everything in and around the home, but now it isn’t big enough. What are you going to do? Home improvement loans can give you the capability to add on to your existing home. You can add that much needed bedroom or two, and possibly a bathroom, or maybe you need to make your kitchen larger. You want a dining room big enough to fit a nice large table in, so the whole family can eat together and share the days events. Home improvement loans can make this a reality.Depending on how much equity you have built up in your home, you can get home improvement loans to fit your every need. Once you begin paying for your home, you will, over time, accumulate equity. Equity is the difference in, the value of the home on today’s market minus the balance owing on your home. With the way property values are increasing almost daily, you can purchase a home and within a very short time accumulate equity in it. Depending on how much equity you have built up, your home improvement loans can now allow the contractors to come in and begin giving you bids on your new project.Home improvement loans can be added on to your existing home loan. Most of the time they are called a refinance. Interest rates have gone down quite a bit over the past couple years, so you may discover that you can add on to your home, and with home improvement loans, pay even less money per month, or close to your original payments.
Once you have made improvements on your home, the value has now increased, so you have already possibly built more equity in it. Home improvement loans can be used for just about any kind of home improvement. It may be an outside project as well as inside, so the possibilities with home improvement loans are endless.
Contractors Home Improvement Loans Discovered
How Art Can Improve Your Well Being
How taking art lessons can improve your well beingArt has been around for thousands of years; each culture has a rich artistic history and presents its own style onto the world. Hundreds of years ago art was at the center of attention with famous artists such as Leonardo Da Vinci creating beautiful works of art. As the world evolved and an increase on technological advancement took place, art has been put on the back burner in most school curriculums in favour of more tangible skills such as science and engineering. As much as those subjects are important, art plays an even more important role in our lives and a person should always strive to integrate some form of art into their lives because it has many mental, physical and emotional benefits. In this article I will outline 3 important ways art improves your well-beingArt helps you express yourself in a creative way. It is something that is unique to you and cannot be replicated by anyone. In our increasingly interconnected fast paced world, art offers an escape that is only known to you. During the art creation process you learn how to think with a vision and train your brain to create this vision step by step. A piece of art does not come together over night, the artist must first visualize his painting, sketch it out with pencil, add in details with pencil and then finally take a brush and put the finishing touches on it. By creating more art repeatedly you learn to harness this thinking process and apply it to other aspects of your life. For example becoming an entrepreneur would require the same sort of skill set because you would first have to have a vision and then take the necessary logical steps to bring your vision to life in the business world.Another great benefit to an arts education is that it is rich in cultural diversity. Each culture has its own unique art perspective and style. For example Picasso used the art style of cubism while Leonardo used the Renaissance art style. Since art is a celebration of creativity and uniqueness, no right or wrong answers exist. Although this may be frowned upon by academics it actually creates benefits for those who take art. Combining all these different perspectives of art and celebrating them together helps a person appreciate different cultural values, respect alternative points of view and appreciate not only art but also people who are from different cultures and share traditions that are different from ours.The Last benefit of an arts education is the fact that is stimulates creativity and lays the building blocks to successful learning. Art can be expanded to not only painting but also drawing, singing and dancing. Each of these activities involves a key sense such as vision, sound and feeling. When children engage in art they develop each sense to its full potential. Therefore when children begin an arts education at an early age and continue doing it for years they are laying a solid foundation for successful learning because they are stimulating and fine tuning the senses to their full potential.Overall an arts education has many benefits such as self-expression that can harness key critical thinking and vision skills that are successful for running a business. It helps you appreciate different forms of art and different cultures and traditions that create it. Lastly by exercising your senses it sets up a great foundation for successful learning in other subjects.
The Development of Multi-Professional Occupational Health Services
During the last fifty years a need to reduce the rate of occupational accidents and diseases, and to address the economic burden that arises from workplace accidents and diseases onto the tax payer through the externalization of costs, has forced the organization of the national infrastructure to support employers to fulfill their legal obligation in health and safety at work. This was to a large extent guided by the International Labour Organization (ILO) conventions. The ILO Occupational Safety and Health Convention, No 155 (13) and its Recommendation, No 164 (14), provide for the adoption of a national occupational safety and health policy and prescribe the actions needed at the national and at the individual company levels to promote occupational safety and health and to improve the working environment. The ILO OH Services Convention, No. 161 and its Recommendation, No. 171 (33), provide for the establishment of occupational health services, which will contribute to the implementation of the occupational safety and health policy and will perform their functions at the company level.EU legislation on the introduction of measures to encourage improvement in the safety and health of workers at work defines the employer’s responsibilities for providing all of the necessary information concerning safety and health risks, and the protective and preventive measures required, obligation for consultation with and the participation of workers in health and safety, the employer’s responsibility for providing training and health surveillance. The framework Directive also states that the employer shall enlist competent external services or persons if appropriate services cannot be organized for lack of competent personnel within the company.Therefore, the framework Directive greatly strengthens the concept of addressing the issue of health and safety at work by using multi-professional occupational health services, and in encouraging the active participation of employers and employees in improving working conditions and environments.The organization and scope of occupational health (OH) is constantly changing to meet new demands from industry and society, therefore the infrastructures which have been created for occupational health are also undergoing continuous improvement. OH is primarily a prevention-orientated activity, involved in risk assessment, risk management and pro-active strategies aimed at promoting the health of the working population. Therefore the range of skills needed to identify, accurately assess and devise strategies to control workplace hazards, including physical, chemical, biological or psychosocial hazards, and promote the health of the working population is enormous. No one professional group has all of the necessary skills to achieve this goal and so co-operation between professionals is required. OH is not simply about identifying and treating individuals who have become ill, it is about taking all of the steps which can be taken to prevent cases of work related ill-health occurring. In some cases the work of the occupational hygienist, engineer and safety consultant may be more effective in tackling a workplace health problem than the occupational health nurse or physician.The multi-professional OH team can draw on a wide range of professional experience and areas of expertise when developing strategies, which are effective in protecting and promoting the health of the working population. Because ‘OH largely evolved out of what was industrial medicine there is often confusion between the terms ‘OH and ‘Occupational Medicine’. The distinction between the two has recently been clarified in the WHO publication Occupational Medicine in Europe: Scope and Competencies.In this document it states that “Occupational medicine is a specialty of physicians; occupational health covers a broader spectrum of different health protective and promotional activities.” It is clear that the medical examination, diagnosis and treatment of occupational disease are the sole preserve of the occupational physician. It is only the physicians who have the necessary skills and clinical experience to perform this function in the being paid to the prevention of hazardous exposure and improved risk management there should be less need for extensive routine medical examinations and hopefully fewer occupational diseases to diagnose in the future. Therefore, it is likely that more occupational physicians will want to move into the broader modern field of preventative occupational health than in the past.However, at this point, where the physician stops using the skills learnt in medical school and starts to enter the workplace to examine working conditions, there is a much greater overlap between the core areas of knowledge and competence between occupational physicians, now practicing OH, and other OH experts, such as occupational hygienists, safety engineers and an increasing number of occupational health nurses.The occupational physicians, in their scope and competencies acknowledge that there is no longer any requirement for the physician to be automatically chosen to manage the occupational health team. The person, from whatever discipline, with the best management skills should manage the multi-professional occupational health team in order to ensure that the skills of all of the professionals are valued and fully utilized.Next in this series “The Occupational Health Team”.