Shopping for Kitchen Cabinets – Choosing the Right Cabinets for Your Price Range

Shopping for Kitchen Cabinets – Choosing the Right Cabinets for Your Price Range

Kitchen Cabinets are by and large the core of any kitchen. They can be highlighted by appliances such as the refrigerator, stove, cooktop, dishwasher and microwave, or these appliances can be modified to blend in by using panels that match your cabinets.

Shopping for them can be intimidating, especially for a first time buyer. There are hundreds/thousands of major cabinet companies, and many more smaller custom shops where you can get any cabinet made from any species of wood that your mind can imagine. Add to that list the explosion of RTA Kitchen Cabinet importers, and the laminated manufacturers, and suddenly the list can be overwhelming. Not to mention the fact that higher price always means high quality in construction, or more features being available.

In the past, pricing had always been the way to categorize cabinets. Traditionally, the higher-quality cabinets simply cost more money. As I mentioned before, with more and more importers conforming to the KCMA (Kitchen Cabinet Manufacturers Association) building standards, some of the RTA kitchen cabinets can actually offer a sturdier box than the traditional, made to order kind. Regardless of what type of kitchen cabinet you decide to go with, it does not take much effort to spend tens of thousands of dollars on the actual cabinets.

Most manufacturers build their base and wall cabinets in standard sizes. The base cabinets are often 34.5 inches tall and 24 inches deep. They come in widths starting at 12 inches and can go up to 48 inches often in increasing width increments of 3 inches. Wall cabinets are often 12 inches deep and 30 inches or 42 inches tall. They also come in the same size widths as the base cabinets. Wall cabinets also come in several different heights and depths for locations such as over the refrigerator or over the microwave/hood range unit. With custom kitchen cabinets, you have even more choices available, since they will be created specifically for your kitchen space.

Different semi-custom manufacturers make different-sized cabinets for all sorts of special looks and situations. It is not uncommon to have one cabinet extend beyond adjacent cabinets to create a distinguished look. It pays to shop around to see all of the different possibilities and special features offered by the custom and semi-custom cabinet manufacturers.

One of the biggest advantages to true custom cabinets is the ability to make one giant base or wall cabinet instead of separate boxes that are screwed together by the installer at the jobsite. A custom-cabinet maker can easily make one giant base cabinet 8 feet long that installs as if it were a piece of furniture. The same is true for wall cabinets. The advantage of this method is the lack of vertical seams where two traditional cabinet boxes would mate up to one another.

Pay particular attention to the materials used to build the cabinets. Some of them are made with minimal-quality engineered lumber, particleboard, or fiberboard. . If you plan to load a wall cabinet with heavy traditional china, the weight of the dishes may cause the cabinet to pull apart over time. This is particularly true when it comes to the semi-custom cabinets that the name brand cabinet manufacturers sell at the big box stores (which is why price is not always an accurate gauge of cabinet quality). Many of the RTA Kitchen Cabinet manufacturers use solid plywood sides, which obviously creates a stronger box than a particleboard or fiberboard box. When it comes to custom cabinets, the material choices are endless and can usually be specified by the customer.

Another factor that will determine the price of kitchen cabinets is the material used to hold it together. Custom manufacturers will often use a combination of dovetailed joints, wood biscuits, and glue to create tight joints. Mid-grade cabinets will have a wide range of materials holding them together (staples and nails on the lower end, to cam lock assembly and wood glue on the higher end). Most RTA Cabinet Manufacturers utilize the cam lock system, which creates a nice sturdy cabinet, and when enhanced with wood glue, can last a life time. Steer away from any cabinets that are using staples, wooden dowels, or just screws. The strength of the cabinet will be compromised at the joints with these weaker joining materials.

Shopping for Kitchen Cabinets – Choosing the Right Cabinets for Your Price Range

Shopping for Kitchen Cabinets - Choosing the Right Cabinets for Your Price Range

I have been remodeling houses for over 10 years, and have been able to weed out some of the kitchen cabinet choices that didn’t work for me. If you are interested in learning more about my personal preferences, check out my author bio.

I have been able to save thousands of dollars on discount kitchen cabinets by buying RTA cabinets. If you are interested in finding out my secrets, go to my Kitchen Cabinets article at Hubpages

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Affirmation is a very powerful tool that can be used to change the mindset of a person. It can transform negative and destructive thoughts to positive and beneficial ones. But in order to affect the subconscious, affirmations should follow this guideline.

Present form

The first thing to remember is that the positive affirmation must be in the present form. As long as man desires a particular action and achieve a particular goal, then there will always be a need to influence the subconscious mind. And if you want to make your affirmation effective, there is no better time to start than “now”.

Belief that the desire is already a reality

Another tip to developing good affirmation is a belief that what you aim for and what you wish to do is something that has already been accomplished. Experts believe that people saying “I am becoming happy” is more effective as this conveys the message that you are already seeing the positive results of your affirmations.

Positive

The affirmation must be positive and veers away from any negative note. Creating an affirmation with the words “I am safe” is believed to be more effective than saying the words “I am not scared”. The presence of the negative word “not” may affect your attitude and behavior negatively. Thus, experts suggest that there is no better way to use a positive affirmation by staying positive all the time. It is also believed that the word “scared” may grab your attention more and make you think about the negative thought of not being safe often

Everyday language

It is best to come up with an affirmation that fits your language style. It means that you must draft one that uses common words or terms characteristic of the language that you normally use. One important element of positive affirmation is repetition. One cannot repeat a statement which is not common or easy to utter. Instead of including difficult words, it is best for you to keep your affirmation simple and brief so that it is easily absorbed by the subconscious. Difficult words may be pleasant and attractive to hear but the very purpose of a good affirmation is not to impress anyone but rather to help you easily utter it, remember it, and practice it everyday. An action is expected to be the end-point of an affirmation. A simple understanding and verbalization of the affirmation would lead to the desired action.

Avoid using too many words

The affirmation must consist of simple words and it must be phrased simply. A complicated phrasing would make it difficult for you to utter the affirmation repetitively. The principle of affirmation lies on the basic tenet that the subconscious mind must be exposed to the repeated affirmation so that this portion of the mind will be a venue from which the desire will come from.

Your affirmation must be specific and shows the exact action or reaction you are aiming to achieve. It may convey a particular feeling that you want to feel like a longing to feel happy, or to feel energetic, active, or feel in love. It may also be in the form of a specific action like your desire to pass an examination, find the right person, or it can even be as simple as reaching a certain destination safely.

You can take the power of affirmations to the highest level with a simple software tool to easily and automatically send positive subliminal messages to your subconscious. Click this Subliminal Message Software for more information.

Find out how you can use affirmations to achieve anything your heart desires, whether its health, relationship, wealth, better sex, weight loss, or more. Go get this FREE Daily Positive Affirmation Newsletter.

International Law And The Right To A Healthy Environment As A Jus Cogens Human Right

International Law And The Right To A Healthy Environment As A Jus Cogens Human Right

I. JURISPRUDENTIAL BACKGROUND AND THEORETICAL ISSUES

To date, traditional international law does not consider human environmental rights to a clean and healthy environment to be a jus cogens human right. Jus cogens (“compelling law”) refers to preemptory legal principles and norms that are binding on all international States, regardless of their consent. They are non-derogable in the sense that States cannot make a reservation to a treaty or make domestic or international laws that are in conflict with any international agreement that they have ratified and thus to which they are a party. They “prevail over and invalidate international agreements and other rules of international law in conflict with them… [and are] subject to modification only by a subsequent norm… having the same character.” (1) Thus, they are the axiomatic and universally accepted legal norms that bind all nations under jus gentium (law of nations). For example, some U.N. Charter provisions and conventions against slavery or torture are considered jus cogens rules of international law that are nonderogable by parties to any international convention.

While the international legal system has evolved to embrace and even codify basic, non-derogable human rights (2), the evolution of environmental legal regimes have not advanced as far. While the former have found a place at the highest level of universally recognized legal rights, the latter have only recently and over much opposition, reached a modest level of recognition as a legally regulated activity within the economics and politics of sustainable development.

1. The international legal community recognizes the same sources of international law as does the United States’ legal system. The three sources of international law are stated and defined in the Restatement (Third) of the Foreign Relations Law of the United States (R3dFRLUS), Section 102. The first source is Customary International Law (CIL), defined as the “general and consistent practice of states followed out of a sense of legal obligation” (3) (opinio juris sive necessitatus), rather than out of moral obligation. Furthermore, CIL is violated whenever a State, “as a matter of state policy,… practices, encourages or condones (a) genocide, (b) slavery… (c) the murder or causing the disappearance of individuals, (d) torture or other cruel, inhuman or degrading treatment… or (g) a consistent pattern of gross violations of internationally recognized human rights.” (4) To what extent such human rights need to be “internationally recognized” is not clear, but surely a majority of the world’s nations must recognize such rights before a “consistent pattern of gross violations” results in a violation of CIL. CIL is analogous to “course of dealing” or “usage of trade” in the domestic commercial legal system.

Evidence of CIL includes “constitutional, legislative, and executive promulgations of states, proclamations, judicial decisions, arbitral awards, writings of specialists on international law, international agreements, and resolutions and recommendations of international conferences and organizations.” (5) It follows that such evidence is sufficient to make “internationally recognized human rights” protected under universally recognized international law. Thus, CIL can be created by the general proliferation of the legal acknowledgment (opinio juris) and actions of States of what exactly constitutes “internationally recognized human rights.”

2. The next level of binding international law is that of international agreements (treaties), or Conventional International Law. Just as jus cogens rights and rules of law, as well as CIL, are primary and universally binding legal precepts, so do international treaties form binding international law for the Party Members that have ratified that treaty. The same way that some States’ domestic constitutional law declares the basic human rights of each State’s citizens, so do international treaties create binding law regarding the rights delineated therein, according to the customary international jus gentium principle of pacta sunt servanda (agreements are to be respected). Treaties are in turn internalized by the domestic legal system as a matter of law. Thus, for example, the U.N Charter’s provision against the use of force is binding international law on all States and it, in turn, is binding law in the United States, for example, and on its citizens. (6) Treaties are analogous to “contracts” in the domestic legal system.

Evidence of Conventional International Law includes treaties, of course, as well as related material, interpreted under the usual canons of construction of relying on the text itself and the words’ ordinary meanings. (7) Often, conventional law has to be interpreted within the context of CIL. (8) As a practical matter, treaties are often modified by amendments, protocols and (usually technical) annexes. Mechanisms exist for “circumventing strict application of consent” by the party states. Generally, these mechanisms include “framework or umbrella conventions that merely state general obligations and establish the machinery for further norm-formulating devices… individual protocols establishing particular substantive obligations… [and] technical annexes.” (9) Most of these new instruments “do no require ratification but enter into force in some simplified way.” (10) For example, they may require only signatures, or they enter into force for all original parties when a minimum number of States ratify the modification or unless a minimum number of States object within a certain time frame, or goes into force for all except those that object. (11) Depending on the treaty itself, once basic consensus is reached, it is not necessary for all to consent to certain modifications for them to go into effect. “[I]n a sense these are instances of an IGO [(international governmental organization)] organ ‘legislating’ directly for [S]tates.” (12)

3. Finally, rules of international law are also derived from universal General Principles of Law “common to the major legal systems of the world.” (13) These “general principles of law” are principles of law as such, not of international law per se. While many consider these general principles to be a secondary source of international law that “may be invoked as supplementary rules… where appropriate” (14), some consider them on an “footing of formal equality with the two positivist elements of custom and treaty”. (15) Examples are the principles of res judicata, equity, justice, and estoppel. Frequently, these rules are inferred by “analogy to domestic law concerning rules of procedure, evidence and jurisdiction.” (16) However, “while shared concepts of of internal law can be used as a fall-back, there are sever limits because of the characteristic differences between international law and internal law.” (17) Evidence of General Principles of Law includes “municipal laws, doctrine and judicial decisions.” (18)

Treaty provisions and their inherent obligations can create binding CIL if they are “of a fundamentally norm-creating character such as could be regarded as forming the basis of a general rule of law.” (19) A basic premise of this article is that the “relatively exclusive ways (of lawmaking) of the past are not suitable for contemporary circumstances.” (20) Jonathan Charney maintains that today’s CIL is more and more being created by consensual multilateral forums, as opposed to State practice and opinio juris, and that “[consensus, defined as the lack of expressed objections to the rule by any participant, may often be sufficient... In theory, one clearly phrased and strongly endorsed declaration at a near-universal diplomatic forum could be sufficient to establish new international law." (21) This process should be distinguished conceptually as "general international law", rather than CIL, as the International Court of Justice (ICJ) has often done.

In like vein, Professor Gunther Handl argues that all multilateral environmental agreements (MEAs) of "global applicability" create "general international law":

"A multilateral treaty that addresses fundamental concerns of the international community at large, and that as such is strongly supported by the vast majority of states, by international organizations and other transnational actors,-- and this is, of course, precisely the case with the biodiversity, climate, and ozone regimes, among others-may indeed create expectations of general compliance, in short such a treaty may come to be seen as reflecting legal standards of general applicability... and as such must be deemed capable of creating rights and obligations both for third states and third organizations." (22)

Notwithstanding, Daniel Bodansky argues that CIL is so rarely supported by State action, that it is not customary law at all. "International environmental norms reflect not how states regularly behave, but how states speak to each other." (23) Calling such law "declarative law" that is part of a "myth system" representing the collective ideals and the "verbal practice" of States, he concludes that "our time and efforts would be better spent attempting to translate the general norms of international environmental relations into concrete treaties and actions." (24)

However, a review of the current status of international human rights and environmental law may reveal the mechanisms for raising environmental rights to the level of jus cogens rights. For example, the U.N. Convention on the Law of the Seas (UNCLOS), whose negotiation was initiated in 1972 and signed in 1982, was considered by most countries to be CIL by the time it came into force in 1994. (25)

II. CURRENT STATUS OF THE RIGHT TO A HEALTHY ENVIRONMENT No State today will publicly state that it is within its sovereign rights to damage their domestic environment, much less that of the international community, however most States do not guarantee environmental protection as a basic human right. Currently, environmental law is composed of mostly Conventional International Law and some CIL. The former relies on express consent and the latter on implied consent, unless a State avails itself of the Persistent Objector principle, which precludes it from being bound by even most CIL. Unlike for human rights and international crimes, there is no general environmental rights court in existence today. While the Law of the Sea Tribunal and other U.N. forums (e.g., the ICJ) exist for trying cases of treaty violations, non-treaty specific violations have no international venue at present. Italian Supreme Court Justice Amedeo Postiglione states that

"[T]he human right to the environment, must have, at the international level, a specific organ of protection for a fundamental legal and political reason: the environment is not a right of States but of individuals and cannot be effectively protected by the International Court of Justice in the Hague because the predominantly economic interests of the States and existing institutions are often at loggerheads with the human right to the environment.” (26)

Domestic remedies would have to be pursued first, of course, but standing would be granted to NGOs, individuals, and States when such remedies proved futile or “the dispute raises issues of international importance.” (27) For example, although the ICJ has an “environmental chamber” and U.S. courts often appoint “special masters” to handle these types of disputes, it is clear that the recognition of the human right to the environment needs an international court of its own in order to recognize such a right and remedy international violations in an efficient and equitable manner. (28)

III. THE JUS COGENS NATURE OF ENVIRONMENTAL RIGHTS Irrespective of specific treaty obligations and domestic environmental legislation, do States, or the international community as a whole, have a duty to take measures to prevent and safeguard against environmental hazards?

Human rights are “claims of entitlement” that arise “as of right” (31) and are independent of external justification; they are “self evident” and fundamental to any human being living a dignified, healthy and productive and rewarding life. As Louis Henkin points out:

“Human rights are not some abstract, inchoate ‘good’; they are defined, particular claims listed in international instruments such as the [U.N.'s] Universal Declaration of Human Rights and the major covenants and conventions. They are those benefits deemed essential for individual well-being [sic], dignity, and fulfillment, and that reflect a common sense of justice, fairness, and decency. [No longer are human rights regarded as grounded in or justified by utilitarianism,] natural law,… social contract, or any other political theory…[but] are derived from accepted principles, or are required by accepted ends-societal ends such as peace and justice; individual ends such as human dignity, happiness, fulfillment. [Like the fundamental rights guaranteed by the U.S. Constitution, these rights are] inalienable and imprescriptible; they cannot be transferred, forfeited, or waived; they cannot be lost by having been usurped, or by one’s failure to exercise or assert them.” (32)

Henkin distinguishes between “immunity claims” (such as ‘the State cannot do X to me’; the hallmark of the U.S. constitutional jurisprudential system) and “resource claims” (such as ‘I have a right to Y’) such that the individual has the right to, for example, free speech, “food, housing, and other basic human needs.” (33) In today’s “global village”, the Right to a Healthy Environment is clearly a “resource claim” and a basic human need that transcends national boundaries.

According to R.G. Ramcharan, there is “a strict duty… to take effective measures” by States and the international community as a whole to protect the environment from the potential hazards of economic development. (34) His position is that the Human Right to Life is a. jus cogens, non-derogable peremptory norm that by its very nature includes the right to a clean environment. This duty is clearly spelled out in such multilateral treaties as the UN Convention on Desertification, the UN Framework Convention on Climate Change, and the Convention on Biological Diversity. (35) It is expounded in the Stockholm, Rio and Copenhagen Declarations as a core component of the principle of Sustainable Development. It forms the basis of NAFTA’s, the WTO’s and the European Union’s economic development agreements, and the European Convention and the International Covenant on Civil and Political Rights (ICCPR), which has been ratified by most countries in the world, including the United States.

The Human Right to a Healthy Environment is explicitly contained in the Inter-American and African Charters, as well as in the constitution of over 50 countries worldwide. Whether it is based on treaties, CIL, or “basic principles”, the obligation of the international community to the environment is today clearly spelled out and enforceable through international tribunals. For example, the Lhaka Honhat Amid Curiae Brief recognized the rights of the indigenous peoples of Argentina to “an environment that supports physical and spiritual well being and development.” (36) Similarly, in a separate decision, the Inter-American Human Rights Commission upheld the right of the Yanomani in Brazil to a healthy and clean environment. (37) On a global level, the UN Human Rights Committee has indicated that environmental damage is “a violation of the right to life contained in Article 6(1) of the [ICCPR]“. (38)

Thus, today, the erga omnes obligation of States to take effective steps to safeguard the environment is a duty that no State can shirk or ignore. If it does, it runs the risk of prosecution by international courts and having to institute measures commensurate with its responsibility to protect its share of the “global commons”. Interestingly, the concept of jus cogens emerged after World War II as a response to the commonly held view that the sovereignty of States excused them from violating any of the then so-called CILs. According to Black’s Law Dictionary, “there is a close connection between jus cogens and the recognition of a ‘public order of the international community’… Without expressly using the notion of jus cogens, the [ICJ] implied its existence when it referred to obligations erga omnes in its judgment… in the Barcelona Traction Case.” (39)

IV. THIRD GENERATION HUMAN RIGHTS AND THE ENVIRONMENT Is environmental protection is an erga omnes obligation, that is, one owed to the international community as a whole as a jus cogens human right?

In a separate opinion to the Case Concerning the Gebecikovo-Nagymaros Project (Hungary v. Slovakia), Judge Weeramantry, the Vice President of the ICJ, expounded on the legal basis for sustainable development as a general principle of international law. In the process, he concludes that environmental protection is a universal erga omnes legal norm that is both CIL as well as a general principle of law per se. In Gebecikovo, ostensibly to have been decided upon the merits of the treaty governing the building of power plants along the Danube, as well as by international customary law, the ICJ held that the right to development must be balanced with the right to environmental protection by the principle of sustainable development. Even in the absence of a specific treaty provision, the concept of sustainable development has become a legal principle that is “an integral principle of modem international law”. (40)

Sustainable development is also recognized in State practice, such as the Dublin Declaration by the European Council on the Environmental Imperative. (41) As such, sustainable development has in effect been raised to the level of CIL.

For example, the Martens Clause of the 1899 Hague Convention Respecting the Laws and Customs of War on Land has been interpreted in 1996 by Judge Shahabudeen of the ICJ as providing a legal basis for inferring that general principles rise above custom and treaty, having their basis in “principles of humanity and the dictates of public conscience”. (42) According to Weeramantry, “when a duty such as the duty to protect the environment is so well accepted that all citizens act upon it, that duty is part of the legal system in question… as general principles of law recognized by civilized of nations.” (43)

Sustainable development acts as a reconciling principle between economic development and environmental protection. Just as economic development is an inalienable right of States’ self-determination, environmental protection is an erga omnes obligation of all States for the benefit of the global commons that all share. “The principle of sustainable development is thus a part of modern international law by reason not only of its inescapable logical necessity, but also by reason of its wide and general acceptance by the global community”, and not just by developing countries. (44)

Drawing upon the rich history of diverse cultures’ legal systems and what he calls “living law”, Judge Weeramantry points out that traditional respect for nature has been a guiding moral and legal principle for economic development throughout history. The ICJ has also recognized these principles in such previous decisions as Barcelona Traction, Light and Power Company, Ltd. (Belgium v. Spain) in 1972. (45) Judge Weeramantry concludes that the “ingrained values of any civilization are the source from which its legal concepts derive… [and that environmental protection is] among those pristine and universal values which command international recognition.” (46)

The first generation of Human Rights were those declared by the “soft law” of the Universal Declaration of Human Rights: “Everyone has the right to life liberty and security of person.” Art. 3. It was modeled on the U.S. Bill of Rights and the American Declaration of Independence. This was echoed in the binding ICCPR (“Every human being has the inherent right to life.”, ICCPR, Art. 6(1) (1966)), which the U.S. has ratified, and the American Convention on Political and Civil Rights of the Inter-American System (which draws direct connections between human rights and environmental rights).

The second generation of human rights emerged with the Economic, Social and Cultural (ECOSOC) Rights developed in such treaties as the International Covenant on Economic, Social and Cultural Rights (ICESCR; which the U.S. has not ratified), and many foreign State’s Constitutions (e.g., Germany, Mexico, and Costa Rica). These include the right to free choice of work, to (usually free) education, to rest, leisure, etc. Highly complied with in Europe, these rights have additionally been expanded by the EU in their European Social Charter (1961) creating much legislation for the protection of workers, women, and children.

The third and current generation of human rights has emerged from the Eco-Peace-Feminist Movement. These include the Right to Development, the Right to A Safe Environment and the Right to Peace. In essence, this third generation of rights addresses the problem of poverty as a social (and hence legally redressable) ill that lies at the core of environmental problems and violations. The “environmental justice” movement considers cases that demonstrate that environmental pollution is disproportionately prevalent in minority communities, whether at a local or international level. Authors John Cronin & Robert F. Kennedy, Jr., have explicitly entitled their study of environmental pollution along the Hudson River The Riverkeepers: Two Activists Fight to Reclaim Our Environment as a Basic Human Right. (47) This predominantly U.S. movement focuses on “environmental racism” as a means for seeking remedies or the disproportionate pollution of minority communities as violations of current civil rights legislation by “exploring] the use of the nations’ environmental laws to protect the rights of the poor.” (48)

V. RECOGNITION, COMMITMENT AND ENFORCEMENT OF A RIGHT: THE MONTREAL PROTOCOL AS A MODEL FOR CONSENSUS BUILDING The key mechanisms for establishing binding international law are recognition of an obligation or right, commitment to its protection, and effective enforcement methods. The Montreal Protocol on Substances that Deplete the Ozone Layer is the “most important precedent in international law for the management of global environmental harms.” (49) It serves as a model for many other environmental concerns that require decision-making in the face of scientific uncertainty, global non-consensus, and high harm-avoidance costs. It was the first international “precautionary” treaty to address a global environmental concern when not even “measurable evidence of environmental damage existed.” (50) Although ozone depletion by chloro-fluorocarbons (CFCs) and other ozone depleting substances (ODSs), and the attendant harms of overexposure to harmful ultraviolet radiation, had been suspected by scientists in the early 1970s, it was not until 1985 and the Vienna Convention for the Protection of the Ozone Layer that international action was taken to address the problem.

THE VIENNA CONVENTION FOR THE PROTECTION OF THE OZONE LAYER At the time of the Vienna Convention, the U.S. represented over 50% of the global consumption of CFCs in a $3 billion market for aerosol propellants alone. Overall, CFC products represented a $20 billion market and about a quarter of a million jobs in America alone. (51) The Clean Air Amendments of 1977 and the 1978 EPA ban on all “non-essential” uses of CFC in aerosol propellants was quickly followed internationally by similar bans by Sweden, Canada and Norway. (52) These actions were a direct response to consumer pressure and market demands by newly environmentally-conscious consumers.(53) Incentives were also provided to the developing countries so that they could “ramp up” at reasonable levels of reductions. (54)

Creative ratification incentives included requiring only 11 of the top two-thirds of CFC producing countries to ratify and bring the treaty into force. (55) As a result of such flexibility, innovation, consensus and cooperation, the Montreal Protocol has been hailed as a major success in international diplomacy and international environmental law. Today almost every nation in the world is a member (over 175 States).

THE LONDON ADJUSTMENTS AND AMENDMENTS OF 1990 By 1990 scientific confirmation of global warming and the depletion of the ozone layer led to the London Adjustments and Amendments. Again, U.S. companies such as Dupont, IBM and Motorola reacted to massive negative media attention and promised to halt complete production by 2000.

Non-compliance procedures were made even more user friendly and no sanction for non-compliance was initiated against a country that was failing to reach quotas while acting in good faith. Technology transfer was made in a “fair and favorable way”, with developed countries taking the lead in assisting developing countries reach compliance. (56) The U.S. instituted “ozone depletion taxes” which did much to get more comprehensive compliance, as well as promoting research into CFC alternatives. (57) To emphasize the vast enforcement mechanisms employed, consider that by early 1998 the U.S. Justice Department had prosecuted 62 individuals and 7 corporations for the illegal smuggling into the emergent CFC black markets. Despite an international crackdown by the FBI, EPA, CIA, and Interpol in the global police effort Operation Breeze, 5 to 10 thousand tons are smuggled annually into Miami alone, second only to cocaine smuggling. (58) In 1992 the Copenhagen Amendments required every State party (practically the whole world) to institute “procedures and institutional mechanisms” to determine non-compliance and enforcement. (59)

VI. CONCLUSION: CRITICAL WEAKNESS OF THE CURRENT SYSTEM AND THE LEGAL CONSEQUENCES OF THE RIGHT TO A HEALTHY ENVIRONMENT AS A BASIC HUMAN RIGHT

The critical weaknesses of the existing system include self-serving pronouncements by non-complying States, lack of effective enforcement mechanisms, political limitations such as State sovereignty and the “margin of appreciation”, and the lack of universal consensus on basic human rights terminology and their enforcement. As long as States can ignore commonplace violations of human rights (sporadic instances of torture, occasional “disappearances”) and shun the edicts of human rights judicial decisions, there can be no effective system of international human rights enforcement. Currently, unless a State commits such outrageous acts on a mass scale that affects world peace, such as in Yugoslavia and Rwanda, it can often evade its responsibilities under international human rights treaties.

There are few international agreements that admit of universal jurisdiction for their violation by any State in the world. All CIL, however, is by its very nature prosecutable under universal jurisdiction. “Crimes against humanity” (e.g., War Crimes, genocide, and State-supported torture) are universally held to be under universal jurisdiction, typically in the International Court of Justice, ad hoc war crime tribunals, and the new International Criminal Court.

While interpretive gaps exist, it is not inconceivable that the right to a healthy environment can be extrapolated from current international environmental treaties and CIL. At the treaty level, the protection of the environment appears to be of paramount importance to the international community. At the level of CIL, there is much evidence that the right to a healthy environment is already an internationally protected right, at least as far as trans-boundary pollution is concerned. In any case, it seems to be universally held that it should be protected as a right. The impression is that there is an unmistakable consensus in this regard. “Soft law” over time becomes CIL.

The U.N. World Commission on Environment and Development released the Earth Charter in 1987. It has yet to be fully implemented on a global scale. Its broad themes include respect and care for the environment, ecological integrity, social and economic justice and democracy, nonviolence and peace. (60) The argument can be made that by now, protection of the environment has reached the threshold of Customary International Law. Whether the nations of the world choose to thereafter recognize the right to a healthy environment as a jus cogens human right will depend on the near universal consensus and political will of most of the nations of the world. Until then, as long as human life continues to be destroyed by “human rights ratifying” nations, how much enforcement will be employed against violators of environmental laws when the right to a healthy environment is not upheld as a basic human right remains to be seen. It will take the cooperation of all nations to ensure that this becomes a non-derogable, unalienable right and recognizing it as essential to the Right to Life.

1. Restatement (Third) of the Foreign Relations Law of the United States, § 102 cmt. k (1987).

The elements can also be found in the Vienna Convention, Article 53.

2. For example, the Right to Life, to be Free from Torture, Genocide, and Murder.

3. R(3d)FRLUS § 102(l)(a) and cmt. h.

4. Id., § 702 (my emphasis).

5. Mark W. Janis, An Introduction to International Law 6 (3d. ed, Aspen Law & Business 1999).

6. R3dFRLUS § 102(2).

7. Janis, supra.

8. David Hunter, et al., International Environmental Law and Policy, p. 306 (2d. ed., Foundation Press 2002).

9. Paul Szasz, International Norm Making, in Edith Brown Weiss, Ed., ENVIRONMENTAL CHANGE IN INTERNATIONAL LAW (1995), as quoted in Id, p. 307.

10. Id.

11. Id.

12. Id.

13. R3dFRLUS § 102(l)(c), as presented in Donoho, supra.

14. Supra, R3dFRLUS §102(4).

15. Shabtai Rosenne, Practice and Methods of International Law 69 (1984), as quoted in Hunter, Id, p. 317.

16. Hunter, supra, p. 316 (Foundation Press 2002).

17. Id, p. 316.

18. Janis, supra, p. 29.

19. Id, p. 312.

20. Jonathan Charney, Universal International Law, 87 Am.J.Int’l.L. 529, at 543-48 (1993), as quoted in Hunter, supra, p. 322.

21. Id.

22. Gunther Handl, The Legal Mandate of Multilateral Development Banks as Agents for Change Toward Sustainable Development, 92 Am.J.Int’l.L. 642, at 660-62 (1998), as quoted in Hunter, supra, p. 324.

23. Daniel Bodansky, Customary (and Not So Customary) International Environmental Law, 3 Ind. J. Global Legal Stud. 105, 110-119 (1995), as quoted in Hunter, Id.

24. Id.

25. Id, p. 659.

26. Amedeo Postiglione, The Global Environmental Crisis: The Need for and International Court of the Environment, ICEF INTERNATIONAL REPORT at 33-36 (1996), quoted in Hunter, supra, p. 495.

27. Id., p. 496.

28. Id.

29. Id, p. 1298.

30. Id, p. 1299.

31. L. Henkin, “The Human Rights Idea”, The Age of Rights (reprinted in Henkin, et al., Human Rights, 1999), as presented in Donoho, supra, p. 14-16.

32. Id.

33. Id.

34. The Right to Life, p. 310 (The Hague, 1983), quoted in Hunter, supra, p. 1297.

35. Hunter, supra, p. 341.

36. Id, p. 1299.

37. Id, p. 1294.

38. Id, p. 1295.

39. Black’s Law Dictionary, p. 864. (West 1999).

40. Hunter, supra, p. 339-341.

41. Id, footnotes 1 through 6, pp. 341-342.

42. Id, pp. 317-318.

43. Id, p. 345.

44. Id, p. 342.

45. Id, p. 315.

46. Id, p. 344.

47. In particular, see pages 35, 38, 159, 162, 177-199 and 221 (Scribner 1997).

48. New York Law Journal, January 1993, Friday, ENVIRONMENTAL LAW, p. 3. See also, DISCUSSION: REFLECTIONS ON ENVIRONMENTAL JUSTICE, 65 Alb. L. Rev. 357, 2001.

49. Hunter, supra, p. 526.

50. Id, p. 527, quoting Richard Benedick, Ozone Diplomacy 2 (1998)

51. Id, p. 532.

52. Id, p. 535.

53. Id, p. 542.

54. Id, p. 545.

55. Id.

56. Id, p. 550-54.

57. Id, p. 562.

58. Id, p. 559.

59. Id, p. 566-67.

60. Roland Huber, International Environmental Law Seminar: Human Rights and the Environment, p. 24, in Donoho, Douglas L., INTERNATIONAL HUMAN RIGHTS (printed by the Shepard Brad Law Center, Nova Southeastern University, 2002).

International Law And The Right To A Healthy Environment As A Jus Cogens Human Right

International Law And The Right To A Healthy Environment As A Jus Cogens Human Right

Manuel Pérez-Leiva, J.D., LL.L./M.
Miami Beach, Florida
August, 2002

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Finding the Right Pet Fish

Finding the Right Pet Fish

Fish are quiet and serene pets. Although, they seem like very low maintenance pets, you should bear in mind that some fish do demand a bit of work and delivering the best possible care for them will ensure a steady, healthy and comfortable life for your fish. You may have certain species of pet fish in your mind and would design and purchase a tank and community to suit it. There are hundreds of different kinds of fish that can be adopted as pets. Although, goldfish are the most commonly kept pet fish because they live and can survive in cold water, they are the most appropriate choice if you are a budding fish enthusiast as well. They are fresh water fish and would sustain a healthy life in an aquarium or an outside pond as well.

The other variety of good fresh water fish for the beginners is platties, sword tails, guppies and mollies. Tropical fish need to be kept in an aquarium with a filter to keep the water clean consistently. For someone who wants to spend minimum time caring for a pet, the Beta fish would be an ideal choice. Beta fish or the Siamese fighting fish are inexpensive to buy and serve as a great pet for kids of all ages. They demand little room space and do not need a filter or heater. They live for an average of 2-3 years, need a tank of 2-5 gallons of water and can conveniently adapt to a pinch of flaked Beta food once a day.

If you desire a more labor intensive pet fish, consider purchasing a warm freshwater fish. The habitat and care of a warm fresh water tank is quite alike to a cold freshwater tank, only excluding the use of a heater.

If you are an experienced and more advanced pet owner, then tropical fresh water fish like a clownfish would be a brilliant option. Salt water fish tend to be available in bright, vibrant, and fluorescent like colors that everyone will enjoy watching. Buying a saltwater fish is on the expensive side as their aquarium filtration systems are costly and the salt levels and other levels in the water need to be regulated as well.

Gourami, one of the favorite choices of pet fish among owners of all ages can be bought in various, attractive colors. Usually priced between $2-3, these fish are overtly smart and can be trained to do different things like picking food from your finger. They tend to jump so you might need a lid on your tank and either lazy or active in nature, these pet fish are a delight to have.

Platy, another hot favorite among kids of all age groups comes in bright colors like red and yellow or in the zebra’s black and white stripe colors. These fish have an affinity to impregnate rather easily so be careful while asking for females if you don’t want babies. The Danio or the hyper fish can be either gold or striped and owing to their small size, should not be included in a tank with a big fish unless you don’t want them eaten.

Speaking of such a vast variety of pet fish that exude a different personality, visual appearance and most importantly diverse habitat attributes, it would be best you as a potential pet parent, purchase a pet fish only after considering your budget, lifestyle pattern and taking care capabilities.

Finding the Right Pet Fish

Finding the Right Pet Fish

Matt has been raising fish for many years, especially goldfish, which he finds the best fish to raise. You can find information about how to care for goldfish on his goldfish site and personal stories on his fishing adventure blog [http://www.myfishingadventureblog.com].

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How To Choose The Right Accountant

How To Choose The Right Accountant

An accountant is a professional who keeps track of the financial records of a business or an individual. There are a number of individuals and businesses who use the services of an accountant all year round. There are other individuals who only hire an accountant to help get all of their finances in order before their tax returns are due. There are millions of accountants located all around the world. With many cities and towns having at least ten professional accountants it is often difficult for many individuals to decide which accountant they should hire.

Learning how to choose an accountant for personal or business use is a fairly easy process. There are a number of factors that should be considered before the services of an accountant are actually hired. The best way to get started on hiring an accountant is by finding a number of them in the area. It is possible to hire an accountant that is not located in the same area as an individual or business; however, many individuals feel that it is easier to deal with an accountant who is local.

There are a number of ways that an individual or business can find an accountant. The most popular way is through research. Many professional accountants are listed in the local phone or they advertise their business online. When using a phone book to find an accountant individuals should look in the yellow pages or the business directory of their phone book. The majority of accountants are listed under the heading of Accounting and Bookkeeping. It is also possible for an accountant to be found by using an online business directory. Online business directories work in the same way that a traditional phone book does; however, they are often nationwide and sometimes include feedback from previous customers. Feedback ratings of a particular company may come in handy when trying to find an reputable accountant to do business with. Many individuals also find an accountant by asking for recommendations from family, friends, and coworkers.

Personal recommendations are a great way to learn about an accountant that is professional and highly recommend; however, individuals and business owners are encouraged not to just take the word of someone that they know. A large number of accountants offer free consultations to the general public. Individuals and business owners are encouraged to use a free consultations to learn more about an accountant. If a free consultation is not available many professional accountants do not mind answering a number of questions over the phone or in an email.

The most important thing to consider when looking to choose an accountant is their qualifications. There are many states that require their accountants to become certified before operating a business, but there are others that do not regulate the way that accountants operate. A certified public accountant (CPA) is often a professional individual who was trained and has a large amount of accounting experience. Many certified public accountants charge more for their services, but at the same time they often offer better results.

There are many accountants who handle a wide variety of case loads; however, there are some that only specialize in a specific area of accounting or deal with a certain type of client. Individuals and business owners are encouraged to speak with an accountant to determine if their services can be applied to their individual needs. There are many accountants who only specialize in personal accounting while others may only work with business owners.

It is also important to determine if an accountant is working on their own or if they are a part of a larger accounting team. While each may have their advantages it is possible that a large accounting firm may mean that multiple accountants will be working on your finances. There are many individuals who only want to work with one accountant instead of multiple accountants. Working one on one with a specific accountant often allows individuals to feel like they are getting the appropriate amount of attention and it also creates less confusion and errors.

As previously mentioned learning how to choose an accountant is a fairly easy process once individuals or business owners known which type of questions to ask. Asking questions is the best way to learn about their qualifications and the amount of money that their services cost. There is a perfect accountant out there for every individuals or business it may just take a little bit of research to find him or her.

How To Choose The Right Accountant

How To Choose The Right Accountant

About The Author
Gray Rollins is a featured writer for the Tax Help Directory. For more information on accountants, please visit http://www.taxhelpdirectory.com/accountant/. To learn more about tax preparation, please visit http://www.taxhelpdirectory.com/taxpreparation/.

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Moving Van Companies – How to Make the Right Choice

Moving Van Companies – How to Make the Right Choice

Moving Van Companies are as common as gas stations it seems sometimes. Even once you go beyond the national brands, there are a number of smaller regional brands that offer rental moving van services. So many options can sometimes make one lose sight of what they are really after. With this thought in mind, we have put together a list of things you should consider when looking at rental moving vans from moving van companies:

1. Do they have the type of van you need?

You should determine if the van will have the right size requirements for your move. Recognize most vans only offer enough space for the equivalent of 1 room of belongings. This means they are ill-suited for house moves unless you are planning on doing multiple trips. In addition, one must consider the space requirements of the doors and how they open up. Recognize that the height of most moving van’s storage space is under 5 feet tall and that the back doors can sometimes be difficult to work around when loading. Some moving vans will offer sliding doors which may be more helpful for loading on busy city streets or in tight spaces.

2. What other loading supplies will you need?

Since many moving vans do not come with lifts or loading ramps, it can be more difficult to load bigger items. For heavier items like TVs and sofas, it is ideal to have someone else help you with the move. This will reduce the risk of personal injury and reduce the risk of damage to your truck. It is ideal to use dollies and other carrying straps that help reduce the weight of these items. In addition, it is ideal to put padding on the floor of the moving van to make it easier to slide boxes and other belongings into the moving van. This simple step will save you time, energy, and help protect your items when loading and unloading. 

3. Does the moving van company have service in your new home area?

One good tip to help will all moves, not just rental moving vans, is to go with a company that has offices in both points of your move. Ideally, you want to have there be an office at the location of your old home or apartment and an office at the new location or new home. This makes traveling much easier as one way rental moving vans becomes an option. This can help save time by having to avoid a round trip. Even for moves that are occurring in the same city, this can be valuable if you are able to drop the moving van off at an office closer to your new home. 

4. Do not forget to inspect the moving van before use.

While doing your inspection, it is very important to look for bumps around the perimeter of the van and to determine if the other electrical features of the van are working. Pay particular attention to the air conditioner and turn signals. However, beyond these basics, you should also look to see if all the doors open and close properly, especially for any sliding doors or doors in the back. Since these will be the doors opened when loading your belongings, a quick check of the doors will help ensure that the van is functional and that the doors will remain closed during transport. The key here is to ensure the doors stay closed when they are in the locking mechanism and to take note of how the back doors open up to help with your loading. 

By keeping these tips in mind, finding a good rental moving van should be relatively straight-forward. You will find that most moving van companies offer similar types of vans and so the main differences will result on the price and the quality of the specific moving van used. Either way, you will be glad to know that most reviews of moving van companies are quite positive.

Moving Van Companies – How to Make the Right Choice

Moving Van Companies - How to Make the Right Choice

For more information on Moving Van Companies, try visiting http://www.movingcontainersetc.com – it is a website offering solid tips and information on different moving containers, vehicles and moving services.

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Baby Boomer Statistics – Keeping The Count Right!

Baby Boomer Statistics – Keeping The Count Right!

Post World War II; there was a great increase in the birth rate in the US. This is the generation which is popularly known as the baby boomers. People who came into the world between the years 1946 and 1964 constitute the baby boomer population. Two of the presidents of United States belong to the baby boomer clan.

You need to understand that the people born during this period have very diverse political views, because of all the things that they underwent in the US. This was the generation that protested hard to bring in the civil rights, and this was one thing that shaped that powerful country to what it is today.

The US has been shelling out a lot of cash and other services to the allies that are recovering from a war. The US has been phenomenal in making many countries grow in their economy. Because of the thriving economy in the US, the education became much more accessible for the poor, and hence, produced more citizens who were educated, and they drew higher salaries at their workplace. This made every family more economically stable, and they started producing more kids in every house, because they knew they would be able to support the kids.

The baby boomers constitute a very high population in the US. They constitute a whopping 28% of the population with 76 million people.

Most of the baby boomers of today have reached middle-age. The baby boomers have contributed a lot in the betterment of their country. The manpower that this clan has is amazing, and they have worked day and night to increase the production of the country, and the economy of this super-power. The baby boomers ARE THE economy of the USA.

They hold a lot of important positions in the US government, and two of them have also been the president of this country. The baby boomers will rule the political scenario in the country for a few more years.

However, because of the latest medical technology, baby boomers will not only expect to live longer than previous Americans, but they will also enjoy better health condition. More and more today they are now health conscious and are staying as active as they can in order to prevent serious diseases such as diabetes and heart related diseases.

The statistics suggest that the baby boomers have a major role to play in the politics of the US till about 2015. This is quite a long time for making a change in the system.

The government is very much bothered about the health of baby boomers, and they have actually increased the budget by a great mark, and they are being cured of many diseases, and heart ailments, and also diabetes. Most of the baby boomers are in their late 40′s or early 60′s. The government has brought in new health policies for the baby boomers that are aging, and retiring from the job.

The baby boomers who are still surviving are very much dependent on the various health benefits they get from the government.

It is quite obvious that the population of baby boomers is very high. This is the population that worked hard for the significant improvement in the economy of US.

The United States of America will further be benefited by the political influence that the baby boomers have.

Baby Boomer Statistics – Keeping The Count Right!

Baby Boomer Statistics - Keeping The Count Right!

Abhishek has got some great Baby Boomer Secrets up his sleeve! Download his FREE 97 Page Ebook, “All About Baby Boomers” from his website http://www.Senior-Guides.com/124/index.htm. Only limited Free Copies available.

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How You Can Save Up To 47 Percent On Your Health Insurance Right Now

How You Can Save Up To 47 Percent On Your Health Insurance Right Now

Do Not Read This Unless You are Making a lot of Money!:

If you would like to know how you can save up to 47% on your current Health Insurance Coverage read on… this is going to be one of the most informative messages you will ever read. After reading this message you will never going to have words; expensive and health insurance in the same sentence.

As you already know health insurance costs are at highest they have ever been and there is no sign of them slowing down. More and more Americans are forced to cancel their coverage simply just because they cannot afford it.

Who are the uninsured?

o Approximately 46 million Americans, or 15.7 percent of the population, were without health insurance in 2004 (the latest government data available).

o The number of uninsured rose 800,000 between 2003 and 2004 and has increased by 6 million since 2000.

o The increase in the number of uninsured in 2004 was focused among working age adults. The percentage of working adults (18 to 64) who had no health coverage climbed from 18.6 percent in 2003 to 19.0 percent in 2004. An increase of over 750,000 in 2004.

o Nearly 82 million people – about one-third of the population below the age of 65 spent a portion of either 2002 or 2003 without health coverage.

o The number of uninsured children in 2004 was 8.3 million – or 11.2 percent of all children in the U.S. (1).

You might say that I have great coverage that I am happy with… that’s totally fine.

For past sever years average rate increase for health insurance was 16.2% and what if it keeps on going? If you are right now paying $500 per month for your health insurance in three years from now you would expect to pay over $780 for the same plan. Wait… we all know that insurance companies consistently decrease their benefits and increase co-pays and deductible. Therefore you will pay more for less coverage. By the way if you keep same plan for over five years you will pay over $1000 a month just for your medical coverage. What if you use your Health Insurance?… Chances are if it is not for a regular doctor visits or a check ups it would be considered pre-existing condition. That means your chances of changing to a more affordable coverage in the future will be nearly impossible. That is one of the main reasons people cancel their health insurance because they were diagnosed with something or taking a prescription medication and the insurance company kept raising their rate until they could not qualify for any other coverage and could not afford the one they had.

Now you are saying I do not need coverage my spouse works for a company and I have group coverage… Great.

What would happen if your spouse left that job or the company stopped providing benefits? Probably the most obvious things that you can see how much that group coverage is really costing you. Next time check how much is deducted out of the paycheck for health coverage, especially for dependents. Group plans do cost more money because by law they are what are called “guaranteed issue”. That means you can have serious medical conditions and still get coverage. Insurance companies have to follow the law and they know they have to accept everyone who works for a large company, therefore they do charge more money for coverage. The biggest problem is not the cost of group health insurance it is what happens if some one, while on the group plan, is diagnosed with a condition or starts to take prescriptions medications. We get back to same issues as mentioned before, unable to qualify for health insurance in the future. There are people that want to leave their job but they cannot because they are going through treatment and cannot to pay for it on their own.

There is another solution… Some might save, so what is the point of even having health insurance. Once you diagnosed with something and insurance company is going to keep raising rates to the point where I am going to have to cancel it anyway. Especially if something does happen and I have to use my coverage I might not be working and I might not have income. Is my insurance company is still going to keep raising my rates? YES.

Before you think about canceling your coverage consider this. Here are some statistics

o A recent study by Harvard University researchers found that the average out-of-pocket medical debt for those who filed for bankruptcy was $12,000. In addition, the study found that 50 percent of all bankruptcy filings were partly the result of medical expenses. Every 30 seconds in the United States someone files for bankruptcy in the aftermath of a serious health problem.

o Illness and medical bills caused half of the 1,458,000 personal bankruptcies in 2001, according to a study published by the journal Health Affairs.

o Average day in the hospital is $7500 per day.

How can you save up to 47% on your health insurance? Simple… You probably already heard of Health Saving Accounts. They are becoming more and more popular everyday. With the way health insurance prices are moving today Health Saving Accounts are the only way to keep your coverage, save hundreds per month on your health insurance and still have a peace of mind.

To this day I was not able to hear a good definition that everyone can understand. I will do everything I can to make it simple to understand. The easiest way to understand Health Saving Accounts is to think of them as Roth IRA or your Company’s 401k plan. Instead of giving your money away to insurance company you get to keep it more of it for yourself. The way HSA plans work is there health insurance combined with savings account which works in a similar way to your retirement account. There tremendous benefits to have HSA qualified health plan. First all the money that you put in to your HSA account is 100% tax deductible and it is your money that rolls over year after year. At the age of 65 and up if you have not used up all of your HSA money you can roll it over in to your retirement account. Second your health insurance costs are going to be cut almost in half. For example if you had Health Insurance plan with $2500 deductible now and it is costing you $300 per month the same plans with HSA qualified plan, now will cost you only about $160 per month. The reason you save so much money with HSA qualified health plan is because HSA qualified plans do not cover anything until the deductible is met. There are exceptions depending on the Health Insurance Company. Some insurance companies will pay for your once a year physical before you meet your deductible.

Let take an example of how HSA qualified plan could benefit you. Let take some actual numbers from actual health insurance company. In this example I am going to use HSA plans from company called Assurant Health. Assurant Health is leader in Health Saving Accounts and they one of the first companies to implement them. The main reason is that Assurant Health is part of the world’s largest financial company that sets up retirement accounts. In this example I am going to use a family of four, husband 46, wife 42, kids are 12 and 16. On a regular family plan with $2500 deductible, maximum out of pocket of $5500, co-insurance of 80% and doctor visits covered with $35 co-pay, they are going to pay $676.40. Something to keep in mind that all of the regular PPO plans that are available on the market today have family deductible which is double of individual deductible. That means that if you have a plan with $2500 deductible and $5500 maximum out of pocket that means that your family deductible is $5000 and your family maximum out of pocket is $11,000. When we are comparing HSA qualified health plans there is only one deductible, once you meet it you are covered at 100% on the most plans. There are some companies and plans that you still might be responsible for the percent age of the bill until you reach your maximum out of pocket. Most HSA plans do not have maximum out of pocket that meant once you met your deductible you are covered at 100%, it’s that simple. The same plan with $5700 deductible for the entire family with HSA qualified health plans will only be $491.64 per month. For the total monthly savings of 184.76 per month. Also your maximum out of pocket will decrease from $11,000 on a regular plan to $5700 with HSA health plan. That’s yearly savings of $2,217.12 and additional savings of $5300 on the maximum out of pocket. (that’s if you have had to use the plan for emergencies) The main reason for starting HSA health insurance is for Saving Account and being able to put money in to account, at your discretion, tax free. You can put money in to HSA qualified account up to your deductible and you do not have to put any money in to that account if you do not want to. Health Saving Accounts are as flexible as you would want them to be. TO get more information on HSA accounts and get quotes for HSA qualified health coverage see my bio.

How You Can Save Up To 47 Percent On Your Health Insurance Right Now

How You Can Save Up To 47 Percent On Your Health Insurance Right Now

Dennis Alexander – leading consultant for employer group and individual/family health insurance. Marketing consultant for major health insurance resource websites and brokerage firms online. Some of the websites consultant and/or administrator http://www.HealthCoverageQuotes.com and http://www.GuideToHealthInsurance.org For Assurant HSA Plans visit [http://www.AssurantHealthCoverage.com]

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Choose the Right Content Management System (CMS) for You

Choose the Right Content Management System (CMS) for You

With an explosion of online content there is consequently an explosion of content management systems (CMS) available to help you manage that content, with literally thousands of vendors to sift through. But most CMS’ still end up being too expensive, too difficult to maintain, and eventually inadequate. This is often the result of purchase decisions based on technology, and not business requirements.

So then, how are CMS solutions chosen? You will usually compare product features, ask friends and colleagues, and look to different analyst ratings. In theory, this should be an excellent way to pick the right solution and sometimes it is. But content management systems have been around for over two decades and the features and functionality for the most part are starting to become commoditized. The ‘bells and whistles’ that these solutions try to distinguish themselves with, ultimately have no bearing on your content-specific needs. And this is why most solutions you purchase will end up being junked after they fail to do what is asked of them.

To ensure successful implementation and adoption, the CMS solution must be implemented like any other large enterprise application, with clear objectives and systematic planning mechanisms. So let’s look at some best practices that should be on everyone’s checklist before deploying any CMS within your organization.

#1 Define CMS Goals

Before installing a CMS, it is extremely important to identify key business goals that must be achieved. Business goals can be defined around parameters like productivity, efficiency, quality, ROI, or branding. Without this clear vision of the business goals, CMS implementations are very likely to fail. It is not surprising to find that most CMS implementations often overshoot budgets and in the long run, consume far more time, energy and resources than ever expected–just to stay functional.

Think of this step like vacationing in an exotic locale. You can go two ways: hope that when you get there, everything you need and want to do will be waiting for you. Or like most of us you plan accordingly: where you’re going to stay, what sites you will visit, and find all the best deals in the process. Which makes more sense to you?

#2 Evaluate the Content Information Landscape

The next step is to start gathering details of your content information landscape. Rather than looking only at technology, you should look at how processes, business rules, and the content are defined.

With these details on the content information landscape, parameters can be defined for CMS selection. The CMS purchased should also easily integrate with multiple systems that affect this landscape as well as are necessary to help meet your defined business goals – such as campaign management systems or CRM applications. The sequitur here is: don’t purchase CMS before clearly defining your requirements. You will save yourself time and resources with a clearly envisioned road map to guide you.

#3 Select the Right CMS Solution for Your Organization

Selecting the right CMS involves consideration of a host of factors, including:

1. Ease of use for users and IT administrators Like any other business application, the success of a CMS depends on adoption by the end user community. Subject matter experts (SMEs) with no technical knowledge must be absolutely comfortable using the system to achieve the exact look and feel they want for content presentation. Similarly, IT administrators must be able to easily enforce policies across multiple Websites using a single console, and integrate the CMS effortlessly into the organization’s IT landscape. Consider everyone’s roles and responsibilities and make sure the CMS can meet those demands.

o Speed of deployment There is a direct correlation between CMS implementation/configuration time and costs incurred. A CMS that requires extensive coding will definitely increase implementation costs. Hence, a CMS will only be effective if it can be rapidly configured and deployed, and as such, requires minimal training for use by non-technical professionals.

o Total-cost-of-ownership (TCO) Most organizations make the classic mistake of buying a CMS based on license price. The real work of owning a CMS begins after the site is live and as such CMS maintenance/support expenses far exceed purchase costs. Be sure to factor this into your overall costs and consider the TCO of an application to arrive at an informed decision.

#4 Involve All Critical Stakeholders

Just as it is important to have top management support for CMS implementations, it is equally crucial to encourage the participation of internal stakeholders. These content owners should be identified and their feedback on usability leveraged to build and customize the system. Involving non-technical SMEs in the design of the new CMS will also help minimize reluctance to use the system. The success of the CMS rests on this acceptance of the CMS by the shareholders .

#5 Don’t Forget the Services Aspect

As we said in step 3 the real work in any CMS implementation begins post-launch. There is a spike in effort levels at the beginning of any implementation – but for a relatively short period of time compared to the average CMS lifetime.

Change is a constant with most Web sites and your CMS needs to be as flexible as your organization, whether this is a simple template change or an entire site redesign. You need to factor in and expect that you will need to have some level of service be it from your internal IT department, your Web agency or your software vendor

On top of ongoing support and management, you also need basic application and infrastructure support of the installed software. This requires the efforts of a dedicated team, responsible for managing hardware, software, and the network.

For some organizations this is not a problem: with dedicated in-house teams for HTML template creation and modification, workflow revisions, architecture changes, site redesign support, and training, they can prepare for the worst. But for the vast majority, this is often overlooked as a part of an ongoing CMS implementation. Without this dedicated team small businesses often outsource these ‘services’ to a third party vendor, adding to the implementation costs. To avoid the distress of exceeding budget, these costs must be factored into the total implementation costs.

# 6 Plan for the Future

How scalable and flexible is the CMS when it comes to incorporating new features or managing an explosion of content? You must make sure that the chosen CMS partner/vendor has the technological bandwidth and capability to quickly capitalize on emerging communication media.

Conclusion

CMS implementation processes can be a lengthy and energy-consuming. But following the guidelines illustrated here: clearly defined goals, processes mapped to the application, gaps identified, and looking for a customized application with dependable scalability and flexibility, you can help yourself avoid some common potholes and choose the right CMS for you.

Choose the Right Content Management System (CMS) for You

Choose the Right Content Management System (CMS) for You

This article is contributed by Rob Rose – Vice President of Crownpeak. Content Management System (CMS) implementation processes can be a lengthy and energy-consuming. But following the guidelines illustrated here: clearly defined goals, processes mapped to the application, gaps identified, and looking for a customized application with dependable scalability and flexibility, you can help yourself avoid some common potholes and choose the right CMS for you.

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Choosing the Right Commercial Construction Company

Choosing the Right Commercial Construction Company

Choosing a commercial construction company can seem difficult and overwhelming. It means a lot to a business to have it done right and have it done on time. A lot counts in the design of your business. The company that you decide to go with should have great experience in doing commercial architect. You should depend on your contractor to take some of the weight off of your shoulders. The commercial construction business that you finally choose to make your dream a reality should have the right qualifications that will meet your needs.

It is important that they have built your type of business before. If they have only built residential homes then there are probably not the best fit for you and your business. Don’t just settle do your research. Talk to other business owners in the area to see whom they used and whom they recommend. Word of mouth is the best way to find out who will meet your needs.

A good way to tell right off the bat if they are a good stable company is if they have been open for more than five years. They should also have a basic idea of the building structures around where you are planning to build your business. It helps you out with budget if they do know about the buildings in the area because the can give you a better estimate of what it will cost you to complete your dream.

It is also important to make sure that they are insured. Make sure that there are guarantees and warranties. Take the time to read your contract and read all the small print. If there is any questions do not hesitate to ask. If there is something on the contract that you really don’t understand don’t sign the contract. It is important to take the time to understand everything.

The contractor should be able to handle the permits, environmental review, engineering, architecture and the construction. It may seem like a lot but that is what they are here to do. Communication is key. So when the contractor has a permanent phone line. Having you and your contractor on the same page will helps things move much quicker and smoother. Stay on top of what is going on, if there is something that is not being done the way that you had envisioned then you can have it corrected before it is to late.

Choosing the Right Commercial Construction Company

Choosing the Right Commercial Construction Company

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