Flood Insurance Myths and Facts

People who live on top of the hill dont need flood insurance. Not true, according to the Federal Emergency Management Agency (FEMA), and just one of the many myths surrounding the agencys National Flood Insurance Program (NFIP). When it comes to flood insurance, not having the facts can literally cost you your lifes savings. While floods are the most common natural disaster in the United States, flood damage is rarely covered under homeowners or renters insurance policies.   Owners of both homes and businesses, as well as renters, need to know the flood insurance myths and facts. Myth: You cant buy flood insurance if youre in a high-flood-risk area.Fact: If your community participates in the National Flood Insurance Program (NFIP), you can buy National Flood Insurance no matter where you live. To find out if your community participates in the NFIP, visit FEMAs Community Status page. More communities qualify for the NFIP everyday. Myth: You cant buy flood insurance immediately before or during a flood.Fact: You can buy National Flood Insurance anytime - but the policy isnt effective until a 30-day waiting period after the first premium payment. However, this 30-day waiting period can be waived if the policy was purchased within 13 months of a flood map revision. If the initial flood insurance purchase was made during this 13-month period, then there is only a one-day waiting period. This one-day provision only applies when the Flood Insurance Rate Map (FIRM) is revised to show the building is now in a high-flood-risk area. Myth: Homeowners insurance policies cover flooding.Fact: Most home and business multi-peril policies do not cover flooding. Homeowners can include personal property coverage in their NFIP policy, and residential and commercial renters can purchase flood coverage for their contents. Business owners can buy flood insurance coverage for their buildings, inventory and contents. Myth: You cant buy flood insurance if your property has been flooded.Fact: As long as your community is in the NFIP, you are eligible to purchase flood insurance even after your home, apartment, or business has been flooded. Myth: If you do not live in a high-flood-risk area, you do not need flood insurance.Fact: All areas are susceptible to flooding. Nearly 25 percent of the NFIP claims come from outside high-flood-risk areas. Myth: National Flood Insurance can only be purchased through the NFIP directly.Fact: NFIP flood insurance is sold through private insurance companies and agents. The federal government backs it. Myth: The NFIP does not offer any type of basement coverage.Fact: Yes, it does. A basement, as defined by NFIP, is any building area with a floor below ground level on all sides. Basement improvements - finished walls, floors or ceilings - are not covered by flood insurance; nor are personal belongings, like furniture and other contents. But flood insurance does cover structural elements and essential equipment, provided it is connected to a power source (if required) and installed in its functioning location. According to a recent FEMA press release, items protected under building coverage include the following: sump pumps, well-water tanks and pumps, cisterns and the water inside, oil tanks and the oil inside, natural gas tanks and the gas inside, pumps or tanks used with solar energy, furnaces, water heaters, air conditioners, heat pumps, electrical junction and circuit breaker boxes (and their utility connections), foundation elements, stairways, staircases, elevators, dumbwaiters, unpainted drywall walls and ceilings (including fiberglass insulation), and cleanup expenses. Protected under content coverage are: clothes washers and dryers, as well as food freezers and the food inside them. The NFIP recommends both building and content coverage be purchased for the most comprehensive protection. National Flood Insurance Program Basics The goal of the federal National Flood Insurance Program is to reduce the impact of flooding on private and public buildings. It does this by applying measures to make flood insurance as affordable as possible for property owners, renters and businesses and by encouraging communities to adopt and enforce floodplain management ordinances regulating the building of structures in flood-prone areas. These efforts on the federal level, combined with the cooperation and expertise of local officials, help mitigate the effects of flooding on new and improved structures, including dwellings and non-occupied accessory buildings. As administered by FEMA, the National Flood Insurance Program reduces the socio-economic impact of disasters by promoting the purchase and retention of general risk insurance, as well as flood insurance, specifically.

Organisational Climate Essay - 1531 Words

Organisational climate and job satisfaction are separate, but related constructs and both affect the understanding of the working environment and employee level of job satisfaction. Purpose of this essay is to explain the relationship between organisational climate and job satisfaction to determine the perception of the employees working environment influence whether their level of satisfaction. Organisational climate is a relatively enduring quality of the internal environment of an organization that (a) is experienced by its members, (b) influences their behavior, and (c) can be described in terms of the values of a particular set of characteristics (or attributes) of the organization (Mullins, 2013). Organisational climate in†¦show more content†¦Organisational climate and job satisfaction are interrelated constructs (Al-Shamarri, 1992; Keuter, Byrne, Voell and Larson, 2000). Organisational climate is focused on organisational/institutional attributes in the perception of members of the organisation, while satisfaction with work addresses perceptions and attitudes that people have to show their work. Organisational climate is an important component that has significant implications for understanding of human behavior on organisations. There are many studies on the relationship between organisational climate and job satisfaction. In a review of studies investigating the organisational climate and job satisfaction, Peek (2003) found that organisational climate that exhibits characteristics such as a high degree of autonomy, provides an opportunity for employees to have a constructive relationship, showing interest and concern for their employee, recognizing the achievements of staff and conduct of employees in high regard result in more satisfied employees. Lawler (1976) explains that internal rewards can satisfy the need of a higher order, such as a sense of duty and achievement and satisfaction, using their skills and abilities. Robbins, Odendaal and Roodt (2003) indicate that internal factors like stroke, promotion, recognition, responsibility and achievement related to job sati sfaction. Job satisfaction can be measured in two ways, on the verge of approach orShow MoreRelatedThe Structure Of Supply Chains1324 Words   |  6 PagesClimate change, in 21st century, is an increasingly alarming issue and its negatively far-reaching effects on humanity can no longer denied. In terms of businesses, enterprises must seal their ultimate goal – maximising profit – with environmental protection because â€Å"consumers concern about global climate change within the context of sustainable consumption† (Newman et al. 2012, p. 511). The structures of supply chains, specifically, are believably one of the most vulnerable to environmental changesRead MoreThe Effects of Ethical Climates on Bullying Behaviour in the Workplace13824 Words   |  56 PagesJournal of Business Ethics (2009) 86:273–295 DOI 10.1007/s10551-008-9847-4 Ó Springer 2008 The Effects of Ethical Climates on Bullying Behaviour in the Workplace  ¨ Fusun Bulutlar  ¨  ¨ Ela Unler Oz ABSTRACT. Various aspects of the relationship between ethical climate types and organizational commitment have been examined, although a relationship with the concept of bullying, which may be very detrimental to an organization, has not attracted significant attention. This study contributesRead MoreObjectives Of Implementing The Vision1133 Words   |  5 Pagesyou should give good examples for each! Goals: To gradually progress to a low or zero carbon economy to mitigate the effects of drastic climate change. 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Vegeterain vs. Meat Eaters Free Essays

Vegetarians vs. Meat Eaters Introduction Vegetarianism is adopted by many individuals as way of living life. Vegetarianism is the voluntary abstinence from consuming meat. We will write a custom essay sample on Vegeterain vs. Meat Eaters or any similar topic only for you Order Now The issue is whether or not a vegetarian diet is truly safer than a diet consisting of meat. Individuals adopt a vegetarian lifestyle for different reasons. Some of the reasons consist of religious or ethical beliefs, or health reasons. Vegetarian diets are also recommended as a medicinal diet for individuals suffering from heart disease, type 2 diabetes, and high cholesterol. The results of a vegetarian diet may seem beneficial, but the safety of a vegetarian diet is questionable. Some individuals consider vegetarianism to be the healthiest way of living. On the other hand, severe consequences occur when relying solely on vegetables as a way of life. The intake of meat in a diet is necessary to obtain the nutrients not provided in vegetables. Vegetarianism In 1847, the term â€Å"vegetarianism† was coined by the founders of the Vegetarian Society of Great Britain. Consumption of only vegetables, have existed since the creation of diets. Increases of food not containing meat have increased since the 1990’s. Most of the increases occurred because doctors and medical organizations stated that limiting meat intake could result in a less chance of developing degenerative diseases. The vegetarian lifestyle dates back to one of the oldest cultures, the Hindus. Hindus consume a vegetarian diet because of their religious beliefs. Based on Hindu beliefs, beauty, good memory, and longer life spans are possessed, if meat is not consumed. Beliefs, such as the Hindus, differ depending on the culture. Vegetarianism is also used as a way of treating common illnesses. Currently, many individuals suffer from illnesses such as high cholesterol, type 2 diabetes, and heart disease. In some cases, the implementation of an all vegetable diet has been incorporated to help lower the effects related to these conditions. In patients suffering from cancer, vegetarianism is used as a dietary therapy treatment. Vegetarianism is used to treat one of America’s largest conditions, obesity. In 2008, the medical costs associated with individuals suffering from obesity were about $147 billion (CDC, 2012). Implementing a vegetarian diet is one way to reduce the excess weight of obese individuals and lower medical costs. Implementing an all-vegetable diet is easy to implement and it is an economical practice for aiding in the treatment of medical conditions. Limitations of Vegetarianism Vegetarianism may be beneficial, but the deficiencies that occur as a result of this diet, outweigh the benefits. According to the governmental Food Guide Pyramid, five sources of foods should be consumed in order to supply the body with essential nutrients. The five food sources are: milk, bread, fruit, vegetable, and meat groups. These dietary guidelines were created to help individuals live a healthier lifestyle. When a necessary nutrient is removed from the body, complications may begin to occur. Restricting meat from the body produces a deficiency in the nutrients needed for the body to function properly (Timko, 2012). The nutrients that the body loses on an all-vegetable diet consist of: Omega-3 Fatty Acids, Vitamin B-12, Calcium, and Iron. Omega-3 fatty acids are a type of nutrient that is not manufactured by the body, but is essential. This nutrient must be obtained through an individual’s diet, which would have to consist of fish. Omega-3 has the ability to slow the development of atherosclerosis, it is an anti-inflammatory, it lowers triglyceride levels, and it helps with depression. When foods are not consumed that contain this nutrient, individuals face a higher chance of developing cancer, cardiovascular disease, brain development complications, and inflammation (Timko, 2012). Vitamin B-12 is a nutrient that is found in the protein of animals, dairy, eggs, seafood, and plants (Web M. D. , 2012). Although B-12 is found in plants, it cannot be consumed by humans. Therefore, the consumption of meat is necessary. Vitamin B-12 is necessary for the body because it prevents the blood levels in the body from becoming too low (Web M. D. , 2012). When the body lacks Vitamin B-12, serious conditions may occur such as anemia (lack of healthy red blood cells) or irreversible nerve damage. The consumption of Vitamin B-12 also helps treat and prevents anemia, memory loss, unhealthy immune systems, loss of energy and concentration, and heart disease (Web M. D. , 2012) Calcium is the third deficiency occurring from restricting meat from the body. Dairy products provide the greatest source of calcium for the body. About 70% of the United States receives calcium from dairy products (MedicineNet, 2012). The body depends on calcium for the production of strong bones. Calcium also helps the lungs, heart, and muscles to function properly (Mayo, 2012). When the body lacks calcium, it could result in low bone mass production which leads to osteoporosis (Mayo, 2012). The final nutrient lost in a vegetarian diet is iron. Iron is important because it aids in the transportation of oxygen throughout the body (MedicineNet, 2012). When the body lacks iron, individuals tend to feel fatigued and immune function decreases. To counteract the feeling of fatigue, it is important to consume meats that contain iron. Disadvantages of Vegetarianism The lifestyle of a vegetarian has drawbacks that could result into long term issues for individuals. The vegetarian lifestyle requires individuals to replace the nutrients received from meat, by using other products. Many vegetarians use cheese and other daily products to provide calcium and vitamins with their meals. Depending strictly on vegetables does not mean that an individual will be healthier. When individuals supplement extra products to make up for what they lack in meat, it could cause excessive weight gain over the years (Lunan, 2011). In an article entitled Vegetarians: Beware the Carbs and Cheese, 29,138 vegetarians and non-vegetarians were surveyed. The results showed that female vegetarians were no healthier than meat-eating females. On the other hand, male vegetarians suffered from gastrointestinal and musculoskeletal symptoms (Lunan, 2011). Mental disorders have the ability to affect numerous types of individuals, including vegetarians. In an article entitled Vegetarian Diet and Mental Disorders, based on a community survey, vegetarians were highly associated with having mental disorders (Michalak, 2012). The study showed how vegetarians had an elevated rate for mental disorders such as depressive disorders, anxiety disorders, and somatoform disorders. The study also showed that once a vegetarian diet was adopted, then a mental disorder followed the start of the diet (Michalak, 2012). When vegetarians restrict their body of what it needs, such as meat, it begins to affect the mind as well. It is mentally unsafe for a person to consume an all-vegetable diet. If consumption of only vegetables causes an individual to gain a mental disorder, it is obvious that this is an unhealthy choice to adopt. Anorexia is another serious condition that younger female vegetarians face. Some dieticians believe that teenagers who are limiting themselves to a vegetable only diet are also setting themselves up to developing anorexia nervosa (Vegetarian or Anorexic? , 1999). This disorder typically affects young females. Anorexia causes individuals to eat as less as possible, which causes malnourishment. When this occurs, it also increases the risk of developing high blood pressure, hormone imbalances, liver problems, and slow heart beats. Being a vegetarian gives individuals an excuse to worry about what they eat and to be overly cautious. When a younger female avoids food, she is typically avoiding it for the wrong reasons. The disadvantages that result from living a lifestyle of a vegetarian have the ability to cause life-threatening illnesses. Eating right, including all of the five food groups in a daily diet, is safer than adopting a diet that can have negative results in the future. Benefits of Meat Consumption Contrary to what most vegans think, important benefits are derived from consuming meat. The first benefit that individuals receive from meat is protein. Meats contain a large amount of proteins that are beneficial to the body. When protein is in the body, it allows for building of body tissues, repairing of damages muscles, and production of antibodies used to fight infections. Amino acids are also found in meats, which aid in strengthening the body’s immune system (Medical Daily, 2012). Meat contains all of the amino acids; therefore it is one of the best sources of protein. Not only does it provide protein for the body, it also helps to maintain your skin. A second benefit of consuming meat is that it contains three important nutrients: iron, selenium, and zinc. Iron is important because it aids in the production of hemoglobin in the body. It also helps transport oxygen thought the body (Medical Daily, 2012). Selenium is a mineral that is essential to good health, but has to be consumed in an individual’s diet. Selenium is found in crab, liver, fish, and poultry. This mineral is necessary because it breaks down chemicals and fats in the body. Zinc is an important mineral because it aids in metabolism and formation of tissue (Medical Daily, 2012). Vitamins are a very important part of every individual diet. Consuming meats allows the body to receive vitamins that are necessary for it to function properly. Vitamins A, B, and D are three of the most important vitamins that the body needs. These vitamins promote strong bones and teeth, good mental health, nervous system support, and better vision. Conclusion Restricting a diet to only vegetable intake does not guarantee that a vegetarian in healthier than an individual that consumes meat. Vegetarians do benefit from this type of lifestyle because they may have lower cholesterol, less weight gain, and lower risks of developing illnesses. On the other hand, restricting meat from a diet results in numerous complications. The loss of nutrients such as iron, calcium, zinc, and omega-3 fatty acids, are a tremendous disadvantage for vegetarians. Vegetarians may suffer from anorexia, mental disorders, and gastrointestinal problems. When changing a diet causes more harm than good, the best decision is to give the body the nutrients it was designed to receive. References Centers for Disease Control and Prevention (CDC). â€Å"Obesity†; August 13, 2012 http://www. cdc. gov/obesity/data/adult. html Deckere, E. A. , â€Å"European Journal of Cancer Prevention†; â€Å"Possible beneficial effect of fish and fish n’3 polyunsaturated fatty acids in breast and colorectal cancer†; July 1999 http://www. livestrong. com/article/314378-what-is-purpose-of-omega-3-fatty-acids/ â€Å"Food Guide Pyramid†; 2012 http://www. nal. usda. gov/fnic/Fpyr/pmap. tm Lunan, K. , â€Å"Vegeterians: Beware of Carbs and Cheese†; Vol. 124 Issue 37, P. 60-61, 2011 Retrieved from the SJC Database on Nov. 19, 2012 Mayo Foundation for Medical Education and Research, â€Å"Calcium and Calcium Supplements†; 1998-2012 http://www. mayoclinic. com/health/calcium-supplements/MY01540 Medical Daily, â€Å"3 Benefits of Eating Meat†; 2012 http://www. medicaldaily. com/articles/3971/20101119/3-benefits-of-eating-meat. htm MedicineNet. , â€Å"Vegeterian and Vegan Diet†; 1996-2012 http://www. medicinenet. com/vegetarian_and_vegan_diet/page2. htm Michalak, J. , Xiao Chi Z. , Jacobi, F. :Vegeterian diet and Mental Disorders: Results from a Representative Community Survey†; International Journal of Behavioral Nutrition Physical Activity; 2012, Vol. 9 Issue 1, p 67-76 Retrieved from the SJC Database on Nov. 19, 2012 Taepavarapruk, P. , â€Å"Journal of Neurochemistry†; â€Å"Reductions of acetylcholine release and nerve growth factor expression are correlated with memory impairment induced by interleukin-1beta administrations: effects of omega-3 fatty acid EPA treatment†; December 2009 http://www. livestrong. com/article/314378-what-is-purpose-of-omega-3-fatty-acids/ Timko, A. â€Å"Dietary Restriction: A Comparison of Vegetarians and Non-Vegetarians† ; Eating Disorders Review; Vol. 23 Issue 3, p6-6, May/June 2012 Retrieved from the SJC Database on Nov. 19, 2012 â€Å"Vegetarian or Anorexic? † November 26, 1999 Retrieved from the SJC Database on Nov. 19, 2012 â€Å"Vegetarianism†, November 26, 1999 Retrieved from the SJC Database on Nov. 19, 2012 Web M. D. â€Å"Vitamin B12: Uses, Side Effects, Interactions, and Warnings†; 2005-2012 http://www. webmd. com/vitamins-supplements/ingredientmono-926-VITAMIN%20B12. aspx? activeIngredientId=926activeIngredientName=VITAMIN%20B12 How to cite Vegeterain vs. Meat Eaters, Essay examples

Intropersonal Communication free essay sample

Me personally, I have reaped the repercussions of jumping to conclusions with my conversations through text. With personal experiences, research, and findings I will elaborate more on the topic of how conversation through text is becoming more of an issue. This topic was of interest to me because it is something I notice getting worse over the years. I find it interesting how people can be so vulgar and blunt over text but then be completely different in person. It is as if the person they wish to be, they are able to be behind closed doors or when nobody is watching. Which is making it acceptable for people to put a facade on for everyone else. Even though that is not the person they are in person to friends. I wanted to figure out if what I was thinking was true or not so I decided to put forth effort into seeing facts and understanding the fact of how texting is pretty much getting in the way of understanding a conversation and knowing the real person you are talking with. I feel as if the next generations are going to make this far worse than what it is already is because of how intrusive technology has become on their everyday lives. Relationships are a big deal when it comes to texting. Since now days it is difficult to see and call your significant other constantly through out the day, texting has become such a convenience to keep in touch with each other and maintain a healthy relationship even when you aren’t together. How ever certain issues have been arising with the verbal issues that should stay verbal issues but begin to change into non-verbal issues, which only makes things worse. I have been mad at my significant other and to express myself over text wasn’t enough and not only that it was as if what I was saying was being misconstrued and not taken the way I was meaning it to be. In that specific fight it was as if the fight escaladed based solely on one persons perception of what was being said when in reality it wasn’t being projected in a negative way. Communication in a relationship in general is key but if you are in an intimate relationship verbal conversation is necessary sometimes so issues like the one above can be eliminated. Conversational skills are being affected immensely by individuals solely holding conversations through texting rather than actually talking to the person on the phone or in person. I had a friend that was very close to me that I only knew online and as we began to text each other I got to know his personality, which was contagious and awesome. Even though he was an awesome person to talk to non-verbally I still wanted the same connection when we went out in public or to the bars with my friends. Turns out he was very introverted, shy, and timid. I was in shock to find out he was like this way because of the way he presented himself over text. He then told me later that he usually acts differently over text than in person because he doesn’t feel as if he is being judged when he speaks through his phone but feels as if he is when he speaks in person. If this continues the next generations aren’t going to have people skills what so ever. Attention span has been affected immensely by technology especially when it comes to texting. Texting has caused more kids to be ADD because of the fact that they just can’t focus on anything important anymore because they are always wanting to get back to their phone and talk with friends or significant others which means they lose interest in school and work. Which is going to make passing school or getting a good job really hard to accomplish. I personally can see myself not being able to concentrate in class as much because I have a significant other that texts me as well as all my other friends who I don’t see all the time. Not only that but social media as well which makes being able to concentrate in class difficult and being able to focus during work is just as difficult. Texting has made a big impact on conversational aspects in multiple different ways most outweighing the positives. The effects of texting on intrapersonal relationships I found were majority negative. Basically today texting has become the main form for contacting people that aren’t close to you. Many individuals use texting to express their feelings, keep in touch with friends, and avoid communication orally. Even though texting is convenient, simple, and simple it is causing a severe negative effect on face-to-face conversations. It has come to the point where texting is actually replacing face-to-face communication where people are even too scared to meet a person physically to speak face-to-face. Nonverbal Competency is â€Å"the ability to process and use non-verbal codes to convey content in effective ways. † The nonverbal codes don’t exist because there isn’t a receiving party. No vocal characteristics, body movements, or facial expressions of any kind with which to gauge from conversation. Texting has made people lazy and lack face-to-face conversation skills. Texting has made people shorten their words, thoughts, and feelings so when we want to express ourselves we don’t know what to say because he have grown accustomed to doing so behind words instead of simply speaking them. Unprofessionalism is becoming more and more common in college students certain professors will see abbreviations in e-mails as if it were a text message. Also college students are becoming more and more lazy when it comes to professionalism with professors and even possible future employers. They are getting the idea some how that it is acceptable to write in abbreviation or â€Å"slang† so to speak to professors, which isn’t helping them what so ever. College student’s need to realize that without professionalism in the way you write will guarantee you don’t get a good job. I feel as if communication is going to slowly merge to being mainly electronic rather than face-to-face like how it should be. Some people believe texting is a convenient way to get in touch with someone that isn’t time consuming and easy to do. However it is becoming a negative impact because of all the deaths that have been occurring while texting and driving as well as making it hard to express one self in person because they usually hide behind their words over text. If people want to text it should be written out as if you’re talking to someone of intelligence along with having a specific time and place to do so. Which means not texting during class time, work, or while behind the wheel. Not only would this improve social skills and face-to-face conversation but it would also make the roads safer and actually save lives and save peoples inability to focus on tasks at hand.