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tag:blogger.com,1999:blog-50647199387413883732017-09-23T00:52:54.839-07:00LocalventureMy personal and business blog. I run a thriving medical insurance intermediary practice in Leeds and am interested in martial arts and rational thinking/skepticismPhil firstname.lastname@example.com:blogger.com,1999:blog-5064719938741388373.post-36295544390622265212017-09-23T00:52:00.000-07:002017-09-23T00:52:54.847-07:00Leed Memory Walk - setting off now !!!Sorry for the brevity of the post but I'm late leaving :

About to set off for Leeds Memory Walk for Alzheimers Research - there's still time to sponsor me at : www.justgiving.com/fundraising/mw260933

Please give if you canPhil Knighthttps://firstname.lastname@example.com:blogger.com,1999:blog-5064719938741388373.post-68994204487031213072017-07-07T03:57:00.002-07:002017-07-07T03:57:32.622-07:00When having a healthcare broker countsMost of my job is advising clients on which plan suits and then organising forms, renewals and so forth - administration and consultation by and large.

I earn my money when I can sort a problem for them though. Bottom line is that sometimes things go wrong. I recently had a case where a member on a company scheme of mine was having issues getting a claim through. It wasn't declined but rather the insurer had lead the member down a bit of an administrative black hole.

She called me on a Friday morning and outlined the issue. To resolve things here's what I did.

1) Re-assure the member - form the sound of it there was no issue about coverage - this was a bureaucratic problem.

2) Established on my system that the member was set up correctly in terms of underwriting and benefits - a one minute job but time saving as it brings all the data in front of me for discussion with insurer.

3) Clearly messaged call to the insurer - why has the admin loop being created and importantly how do we expedite.

The problem was in part due to the nature of the condition and in part how long the insurance had been with that company. Either way one simple call clarified the situation (to message back the member) and sorted a possible solution.

This leads to step four :

4) Re-assure the member again - outline the rationale for the insurer. We actually had a little joke about their convoluted admin and then I took ownership of resolving things - we need a claim form form the GP but I committed to receive it, pass to the insurer, chase until resolved. A little more work to me but this is an important issue - twenty minutes of work will likely guarantee the renewal of the scheme and my retention of them as a client moving forwards.

I'm happy to still have a great client and they're happy a frustrating problem is resolved with little work for them or the member to do.

That's where I really earn my money.Phil Knighthttps://firstname.lastname@example.com:blogger.com,1999:blog-5064719938741388373.post-38333086700843854302017-07-04T09:11:00.001-07:002017-07-04T09:11:53.615-07:00EDC - Everyday carry, pocket tool updateAround 18 months ago I started carrying a small penknife (Victorinox Spartan) as part of my main Every Day Carry (EDC). I found it initially very useful for those bottle opening and daily cutting tasks. The pen knife has a small utility blade (which I used daily) and a larger main blade. Plus an easily accessible bottle cap opener, again in regular use.

Over the months though I've discovered that for around the house DIY problems the Spartan wasn't really enough to get any significant tasks done. At the same time as I bought the Spartan I also picked up a Leatherman Wave - really great full-size multi-tool and still one of my favourite possessions. It sits on my desk at home and is my 'go to' item for pretty much everything. An issue for UK EDC'ers though are the strict UK knife laws. In essence we cannot carry (without good reason - more on that later) a knife with a blade of longer than 3 inches or that locks in anyway. So unless I have a very good reason for carrying such a blade (and the Wave has three locking blades, count them !) if I get stopped by a police officer out and about carrying the Wave I could very easily end up in prison. The reason for legitimately carrying such a tool would generally be work or pastime related (carpet fitter, electrician, going camping etc) but unfortunately keeping on me for EDC and daily use/repairs and such simply isn't a justification under law.

The other point I would make about the Wave is that whilst it's great for more serious work tasks some of the tools I use regularly on the Spartan (corkscrew, bottle opener, small driver etc) are actually quite hard to get to, only being accessible once the pliers are unfolded and quite stiff on my Wave.

So over the months I've been thinking about what I need for regular on-going EDC carry. Recently I've been sporting the Spartan and also a Leatherman Style PS - this is a really cool key ring sized tool with no blade (hence keeping the Spartan handy) and some scissors plus a carabiner/bottle opener - it's meant carrying two tools in one pocket with some replication of function but both open beer (!) so it doesn't matter which one comes to hand and I've liked having a blade or a pair of (admittedly) small scissors on hand. Plus the real winner with the Style is the fold out pliers - they're not super strong but enough for that immediate/emergency use case. One other advantage of having a non bladed EDC multi tool on-hand is that if I go somewhere where even a legal blade is inappropriate I can leave the Spartan at home or in the car. For example, over the last few weeks I've been visiting university open days with my daughter - some threatened bag or pocket checks on arrival (given the UK terror situation) so I just left the penknife at home and carried the inoffensive Leatherman.

Last great idea from Leatherman is that the Style pairs with another tool they've developed called the Hail this is another really well thought out mini tool that I'm now keeping in the car as an easily on hand scraper, driver and 10mm wrench - plus if you watch the video on that link you'll see how it pairs with my Style if I want additional functionality.

That said, I've now moved on a stage. The two tool approach was just to replicative and messy so I've moved on the Leatherman Juice CS4 now hopefully this device is going to combine the best of both worlds from the Spartan and the Style - decent mid sized pocket blade (non locking), corkscrew plus bottle opener, scissors (larger than the Style) and also pliers plus a saw blade for emergency use (seat belt release and so on if required). The main issue with this new mid size multi-tool though is the mass - it's much heavier than the Style and Spartan combined and as I carry it in a front jeans pocket or suit trouser pocket generally it can get in the way. With that in mind I'm going for the Juice's slightly smaller cousin the C2 (as a birthday present hopefully) as a back up - slightly less utility onboard but a smaller more 'pocket sized' device. I think ultimately I'll probably end up carry them in rotation as tasks and my day demands, or stick on in my bag and keep the other on hand in pocket.

Will let you know when and if that one arrives as to the final pocket multi-tool carry. Phil Knighthttps://email@example.com:blogger.com,1999:blog-5064719938741388373.post-69016721827119824842017-06-30T07:07:00.001-07:002017-06-30T07:07:30.881-07:00Medical Insurance for professional introducers
I've been working with IFA's, Accountants and General Commercial Brokers now for eight years advising their clients on all aspects of medical insurance and related plans generally adding value both for the client and income stream for the introducers.

In recent years I've begun to focus more on small corporate plans (2 to 350 employees) and high net worth individual clients but I still look after a very wide range of types and size of client and would never turn away anyone wanting assistance on Private Medical Insurance (PMI), cash plans, EAP, healths screening and so forth.

I now work almost exclusively with professional introducers (although again I'll never turn away a client who approaches me direct and this does happen quite regularly) and have an extremely strong panel of advisers who work with me and refer their clients to me for on-going assistance and support in this area. It is nice to work with such a good group of people and although I don't push for lots and lots of new introducers, again I do receive regular requests and am always happy to have a discussion.

My work is based on the premise that my healthcare advisory process needs to fit into the work flow of the professional introducer and not the other way around. You don't want me adding in any more work than is necessary - the aim is simply that the referral comes across and I then pick up all the work from the client moving forwards.

Everything I do is predicated on the idea that no one introducer or their client is the same - everyone needs variations on level of support, information and assistance. There cannot be a one size fits all in the real world, especially when dealing with a technical product like PMI and clients differing needs.

Over the years I have invested in technology and a social media presence to drive the support to all of my clients and introducers in a sophisticated and transparent way. I strongly believe that my small, bespoke practice is the market leader the UK, for working with introducers on Private Medical cover. I even have a public Drop Box folder full of sales and marketing support ideas for my partners to use - just e-mail me if you'd like access.

If you are interested in working with me or have a case to discuss please contact me as below. Also though take a moment to check out my blog : www.localventure.blogspot.com and my podcast (the only UK podcast devoted solely to medical insurance : PMICast. The podcast is available on iTunes and all good podcast aggregators or online : www.pmicast.podbean.com

Join me in sourcing the very best in medical insurance for your individual, company and high net worth clients.

If you'd like to discuss any prospective cases with me or need general advice on medical insurance - just call or e-mail me.

Kind Regards

Phil

Phil Knight
Independent Healthcare Consultant
(Part of Premier Choice Group, FCA No. 312878)
T. 07792 075748
E. email@example.com
W. www.pch.uk.com/consultants/phil-d-knight/Phil Knighthttps://email@example.com:blogger.com,1999:blog-5064719938741388373.post-13023186691672374672017-06-12T08:43:00.003-07:002017-06-12T08:43:20.026-07:00Karate Training for 2nd DanAt the moment I am training for my second dan karate grading. I passed what we call a 'pre-dan' in March - this is actually the same test (at a lower intensity) but designed to offer guidance on areas to practice and focus the mind for the main test in the future. I passed this in March 2017 and have been working towards the main grading since.

For the grading I look at three main areas to work on - firstly technique. As a student of two very different styles of karate I need to really hook physically and mentally into my main style (Shukokai) and think about stance, kicks, technique names, many of which are different between the two styles. I practice my three combinations (groups of techniques combined together each to work a key area e.g. stance, stamina or kicking ability) which are at the start of the grading and designed deliberately to tire, sapping arms and legs right from the off. My aim however is not to use them as a fitness aid but rather to focus on them as techniques to ensure they are there in the 'databank' and my muscle memory.

I also blast through all 13 kata I am required to know for this level each day. In the build up I tend to do six or seven per day but in the fortnight before I cover them all every day. As I'm a 'rusher' (i.e. I go too fast in gradings) I practice at around 50% speed to get the feel for going slower but work at full strength, almost in dynamic tension style. I go through the kata's from first to last but never go on to the next until the previous one is correct. Can sometimes take four or five false starts especially on the later more complex forms.

Fitness - this is a gruelling two hour thirty minute plus muscle blast culminating in (for black belts at least) free form sparring with all other people grading (sometimes eight or ten bouts in total). I therefore focus most on fitness for this kind of grading. I'm currently running most days (which is the most time efficient way I find of really banking some stamina) and of course am pushing up the intensity of dojo sessions for myself as well. I am in the fortunate position of having built up quite effectively for the March pre-dan so since then I've been in maintenance mode rather than killing myself to build overall fitness - eight mile runs are no issue at the moment and hopefully I've done enough.

As I'm now 46 and 26 years into karate training I'm finding that recovery after training and more specifically keeping focus during an intense session can be an issue. Over the years I've tried a number of strategies and for this kind of grading event I go for a carry meal around three hours pre-grading. Lots of hydration (just water) during and possibly a chocolate bar to keep going around 2/3 of the way through.

Obviously whilst this is going on I am also teaching four karate classes a week and holding down a full time job running my own business - next 3rd Dan in 12 months !!!Phil Knighthttps://email@example.com:blogger.com,1999:blog-5064719938741388373.post-73354255091779443012017-06-12T08:22:00.002-07:002017-06-12T08:22:25.131-07:00The Importance of your Medical Insurance renewal documentationI have just uploaded the latest edition of my 'weekly' (haha) podcast and one of the subjects covered is the importance of medical insurance renewals.

Listen to the podcast (http://pmicast.podbean.com/e/pmicast-20-episode-69/) then return to read on.

I wanted to cover this subject here in a more general and customer focused way because firstly the audio format doesn't suit a longer discussion and secondly the more I thought about this subject the more important I realised the issue was. Hopefully what I am about to cover will apply equally to both company and personal clients and also be of interest to my professional introducers as well (whose issues on this subject are the primary focus of the above podcast).

First, Private Medical Insurance PMI) 101 :

PMI is an annually renewable general insurance product just like (although I use those words advisedly) car insurance or house and contents. In other words the insurer sends out a new (usually higher) price each year taking into account a number of pricing factors including but not limited to age of the customer(s), changes to the product, where you live, how many claims you've made, do you have an excess and so forth.

So to reiterate, every year just before the renewal the insurer sends out the terms they would like you to accept for the following twelve months. Simple right ? Well you'd hope so but not necessarily.

Firstly insurers sometimes make mistakes. I have several clients who, if not for my intervention would never have received new terms. The insurers (and this is a guesstimate based on personal experience over 24 years) in general will miss, that is fail to issue, around one in every sixty or seventy renewals. So with this scenario the price goes up (according to all of those factors above) but no one tells the client, he or she or they usually notices at some point when a new and unexpected direct debit amount appears on their banking app or statement. This is pure mechanical error and easy to rectify with a diary system. Most brokers, certainly specialists in this area of insurance will have one for their clients (I certainly do).

At this stage I would strongly suggest that any client who is direct with an insurer and not currently using an intermediary like me should do so ASAP. There are two reasons for this. Firstly to avoid not getting the renewal as outlined above - I dread to think how many direct renewals go missing en route to direct clients. But importantly if you only work with one insurer you do not know if you have the right plan at the right price - it really is vital to get professional independent advice in one of the most complex insurance product areas.

Another problem is that of intermediary routing. This (in addition to having a solid diary system) is where I can really add value for my introducer partners. There is a vast tranche of PMI business out there much of it with Aviva and Vitality Health (for historical reasons I won't bore you with) but also BUPA and AXA PPP where the original broker has set up a plan but neglected to ask the insurer to route all documents via the broker. This is where I find a load of problems building up over time.

Think of the PMI insurers who have millions of customers. Some are direct, some via IFA's, some via general brokers some via healthcare specialist brokers. In some cases insurers allow different routing of documents for some types (e.g. renewals) but not others (member certificates). Some just deal with brokers, others not at all. Some clients might have one family member on a group plan with one insurer and others on a personal plan with a different insurer. With all of these splintered outputs it is inevitable that even if the insurer is supposed to send documents to the broker not the client they make mistakes - specialist brokers tend to have better relationships and process in place to mitigate against incorrect routing of renewals and it is a massive reason why specialists can pick up business from IFA's and a big selling point for me in working with my IFA's. As an example Vitality Health have tick boxes on their application form covering routing of documentation out-put but if you leave this section blank when you submit a case then it all, automatically, goes direct to the client. I lose count of how many introducers have had issues with renewals going direct and clients cutting them out of the process. It's an issue easily resolved with a knowledge of Vitality's process.

Lastly timing, theoretically most insurers will say that renewals are issued automatically between four and six weeks prior to renewal. This however can vary based usually on how busy insurers are. Even if the process is automated (which it usually is with the bigger insurers) there are always going to be backlogs at busy times and over the Summer due to holidays. My advice to clients is to consider prepping for renewal no later than three weeks before the due date - this gives us bags of time (even on larger complex SME cases) to receive terms, review the market, meet to make decisions and proceed. Also bear in mind that we can, if required, backdate any changes up to 30 days - time is therefore never as pressing as the renewal sales consultant at the insurer might insist, however shrilly.

I would lastly point out that it is amazing how many cases, even those coming from insurers with an automated process, arrive late when there is a bigger than expected increase. There are I suspect two reasons. Firstly if there are a number of claims on a case it is likely that a manual intervention from the risk/underwriters might be required to establish a final price - that seems fair. However I do wonder if sometimes these larger increases are also held back a little longer so the client doesn't have quite so long to look at alternative options - a little less fair but (insurers might argue) it could be reasonable business practice.

Either way - be aware of your renewal date and beware - make sure it arrives either from the insurer or broker around a month before the renewal is usual - so either put a diary note in your phone/computer or contact me and I will sort it all for you !

Phil Knight
Independent Healthcare Consultant
07792 075748
email@example.com

Phil Knighthttps://email@example.com:blogger.com,1999:blog-5064719938741388373.post-81378640056156695122017-06-12T07:47:00.001-07:002017-06-12T07:47:25.460-07:00EDC Update for June 2017Here's a photo taken just now of my current EDC :

So we have the following as of today :

Trusty Iphone 7 Plus in a Spigen 'Rugged Armour' case (no matter how rich you are, you still only have an iPhone - must be the best device in the world).

Apple Airpods

Credit Card sized leather wallet (£ 9.99 from a garden centre !)

Paracord bracelet with fishing line and firestarter

Victorinox 'Spartan' knife - compact and tidy, really good to have on hand

Leatherman Wave - actually illegal for carry/outdoor use in the UK without good reason (i.e. work) as it has a locking blade so when out and about I carry the Spartan.

House and Car key on a 'Fossil' leather strap - belt loop hanging

Apple Watch V1.0 for training, notification and of course - telling the time

Casio G-Shock G-SHOCK Men's Watch GW-7900-1ER - recent addition to the team. Wear this in rotation with the Apple Watch - like it on longer runs as the digits are easier to see when in motion. Good stop watch and light plus its solar powered. Suspect it might stop a bullet - it's that chunky !

Lastly, Fitbit Charge HR 2 - because I can't decide which fitness track to use I now wear two !

Looking at my last Every Day Carry update I posted here (which predates the Fitbit and the G Shock) I have since purchased the CRKT Journeyer and it is a solid little knife. I keep it in one of the bags I use on a daily basis (canvas messenger - same model as used by Jack Bauer circa early '24') as a back up item and I've moved the larger Victorinox Huntsman knife into a third bag (my cross chest small backpack) - this is a more practical outdoor knife that's useful to have on longer runs in case anything might happen.

Overall in terms of where I am on EDC I'm really enjoying the Spartan. A really useful little knife/tool to have on me at all times (I even transfer it into suit pockets when I go out on business now) which I use every day without fail. My only issue is the differential in utility between this and the Wave - I often have to go to my desk (where the Leatherman lives) and retrieve it to do a more involved job when the Spartan just isn't an option. With this in mind I've just invested in a Leatherman Style PS - one of their small skeleton tools - hopefully this in conjuction with the Spartan will see me for most domestic and out and about jobs. With my EDC I've been careful to comply with UK knife/concealed weapon laws which are strict and the Style PS actually has no blade hence the need to keep up with the Spartan or similar which is a smaller, legal non-locking blade.

I'm also rocking the AirPods - best £ 160 I ever spent - use them constantly now - once you get over the embarrassment of wearing them in public.

Phil Knighthttps://email@example.com:blogger.com,1999:blog-5064719938741388373.post-5677911064371707802017-06-12T06:31:00.001-07:002017-06-12T06:31:26.412-07:00My Podcasting exploitsIt's been a while (nine months or so to be inprecise) but I've just recorded and uploaded the 69th episode of PMICast covering my work with professional introducers and an issue some have been having with securing medical insurance renewals in good time from insurers.

I often cite work load as the reason for my infrequent recording schedule (the podcast started in March 2013 as a bi-weekly show, then quickly went weekly before settling in at whenever I have chance or something to talk about) but it strikes me, given that I do owe a lot of my marketing success to the podcast that I really should try and record it more often - fingers crossed this time I can work harder to do a few more shows.

You can find my own podcast here.Phil Knighthttps://email@example.com:blogger.com,1999:blog-5064719938741388373.post-50038812939265011632017-05-25T08:07:00.001-07:002017-05-25T08:07:49.224-07:00Learn Traditional Martial Arts in LeedsLEEDS PREMIER KARATE CLUB - YEADON

Our new beginner classes start in May, June and July 2017 (Monday and Wednesday) at 6.00pm for 30 minutes.

Interested in learning traditional Japanese karate in a disciplined but friendly atmosphere ?

Marital Arts are a superb way to meet new people, get fitter, become more confident and for kids to learn respect and discipline.

We have spaces in our Monday and Wednesday beginners classes at Yeadon Westfield Infants School - LS19 7NQ, off the A65 in Yeadon, Leeds.

My beginners classes last 30 minutes and are fun but focused on teaching the basics to allow students from age 5 upwards to gain the skills and confidence to join my main class.

Syllabus is split into easier fun version for kids and full adult beginner syllabus.

Whether you decide to join the club or not, the first two lessons are always totally free.

Come and learn self defence and get fitter with an instructor with 37 years martial arts experience and black belts in two different styles of karate.

Contact Sensei Phil Knight for more information.

Phil Knighthttps://firstname.lastname@example.com:blogger.com,1999:blog-5064719938741388373.post-22974116820225099022017-05-25T03:55:00.001-07:002017-05-25T03:55:50.731-07:00Learn Karate in LeedsIf you're interested in learning traditional karate in Leeds I am now accepting new beginners into my karate classes on a Monday and Wednesday evening at 6.00pm.

You can find full information on the club website or e-mail me on : firstname.lastname@example.com

Sensei Phil

Phil Knighthttps://email@example.com:blogger.com,1999:blog-5064719938741388373.post-51839023270403853482017-05-25T03:31:00.001-07:002017-05-25T03:31:16.144-07:00Congratulations to my new yellow beltsIn the last few weeks I have graded several of my karate beginners classes (both the Monday and Wednesday classes) to yellow belt and they now join the main class on their day of training.

For some (especially the youngest) it has been quite a journey and taken a lot of commitment and effort to get there and I wanted to give them a shout out on my personal blog.

So very well done to the following students :

Daniel, Jack, Josh and Matilda.

In particular Josh and Jack who have had to really dig deep and work super hard on that kata !

Look forward to seeing you continuing to work hard in the main class and aim towards that organ belt grading.

Sensei PhilPhil Knighthttps://firstname.lastname@example.com:blogger.com,1999:blog-5064719938741388373.post-88713457595873721592017-05-23T02:21:00.002-07:002017-05-23T02:21:41.320-07:00We Stand With ManchesterWoke up this morning and blearily checked my BBC News app on the phone on the way downstairs and I'm not ashamed to say I stood in my living room a little while later and wept as I watched the story begin to unfold on the TV.

Those poor people .....

My thoughts go out to all of those people who have been and will continue to be affected.

Obviously Manchester has been targeted before by terrorists (the Arndale bombing in 1996) but this feels more personally visceral for a number of reasons. Firstly I live in Leeds and in recent years have spent quite a bit of time on business and with the family in Manchester. I've been to the MEN Arena several times myself for concerts and of course I have two children in a not dissimilar age range to the kids that would have been there and affected last night.

I'm not personally affected by the tragedy I would stress but still feel as if I've been punched in the stomach.

I am not a journalist nor an investigator and it is not for me to say, at this stage, who may or may not have been responsible. I will leave the investigation to the police and the recriminations to the politicians.

What I will say is that this is an absolute outrage. A cowardly attack on innocents. It should not go unpunished.

Personally I would consider myself a liberal and a non-reactionary but moments like this make me want to devolve to my baser instincts. That however is what 'they' want. Terror attacks are designed to frighten, to disrupt, to change behaviour and ultimately to make us lash out at those responsible, or rather those we think responsible and thus give justification and legitimacy to the terrorists.

Phil Knighthttps://firstname.lastname@example.com:blogger.com,1999:blog-5064719938741388373.post-82571823028300707592017-05-17T07:39:00.003-07:002017-05-17T07:39:53.972-07:00Factors to consider when reviewing medical insurance for personal clientsThe other night as I was falling asleep I tried to count up in my head how many personal and corporate medical insurance client reviews I've done over the last seven years since I first set up my practice.

I lost count very quickly.

Looking at my master client folders on my Mac there are over 640 files for clients and prospects and I must have done multiple reports and reviews for some of the earlier clients for whom I've now handled six or seven renewals.

Looking at one insurers whose quotes I can tally, just for individual clients their system is showing that I have keyed 1029 separate quotes onto their system. That's just personal clients where they were not the holding broker for the case and were appropriate to consider for the client.

Over the years I'll bet I've easily done between 2,000 and 2,500 individual reviews and reports for new and renewing clients.

Each one is slightly different as you might imagine but there are some basic underpinnings that sit behind the thought process when starting a review for each client :

1) What do they want/need to achieve ?

2) Is what they have/ want appropriate ?

3) Can they afford it. Is it good advice for them to have a particular plan, benefit or feature ?

4) What do they have at the moment, is it suiting their needs - is it expensive or overpriced ?

5) What is their underwriting requirement - if they're a new client what type of underwriting might be appropriate. If they have cover already have they made recent claims, can they consider a move of insurer.

6) Will an insurer accept them on switch (some insurers won't accept scheme leavers on certain types of underwriting). Some insurers will not accept certain professions e.g. doctors.

7) Can we create a plan that fulfils the clients needs and is within their budget.

For each of those 600 odd clients, over 2,500 plus reports there are a series of up to a dozen individual decisions to consider as above. That's before we even get down to the literally hundreds of plan options the 15 or so insurers I regularly use and quote have on their plans.

10,000's of choices, features, ideas and other important issues to consider over time.

Medical insurance is on of those weird products that seems on the face of it quite simple : Private treatment once you've been referred by your GP for out-patient tests, consultations and then, if required in-patient or day case treatments and follow ups.

This apparent simplicity hides the basic sometimes forgotten premise : when you're dealing with people's money and health things get complex real fast. I've been looking after medical insurance for client and professional introducers for decades now and I still learn new things every day.

If you need a review of the cover you have in place. If you'd like new cover or if you're an adviser of some kind (IFA, General Broker or Accountant) who'd like help with a client - let me know. I'm happy to provide another review for you, for free.

Let me help you through the maze of decisions.

Phil Knight
Independent Healthcare Consultant
07792 075748
firstname.lastname@example.com Knighthttps://email@example.com:blogger.com,1999:blog-5064719938741388373.post-13166889132969292542017-05-16T08:35:00.002-07:002017-05-16T08:52:27.365-07:00IFA's - the importance of reviewing medical insurance clientsIt's very easy when a clients medical insurance renewal arrives from an insurer for an adviser to follow the path of least resistance. To send the terms straight out to the client without considering a review of the market, assuming the terms and benefits are still ok.

Over the last 23 years I have been involved in literally hundreds of such cases both as a broker consultant for insurers and then since 2010, as an adviser working primarily with professional introducers. In both parts of my career I've said the same thing : I don't think you can ever assume that the renewal terms offered by an insurer (and indeed the benefits package) are fine moving forwards. More particularly a PMI plan, personal or company sponsored needs reviewing in-depth and detail at least every two to three years.

The FCA now asks intermediaries and insurers to formally suggest clients might want to 'shop around' at each renewal and whilst this will not apply to every client (those claiming or who have done so recently for example) it is advice I do adhere for my clients.

So if within your practice you have some legacy PMI clients who've been with their current insurer for while without review it's certainly worth giving someone like me a call to look at a full market review.

I've worked with IFA's since 1994 and as professional introducers to my practice since 2010 and would be happy to chat to any IFA, general broker or accountant who has potential business to look over.

Phil Knight - Independent Healthcare Consultant
07792 075 748
email@example.com

Phil Knighthttps://email@example.com:blogger.com,1999:blog-5064719938741388373.post-73750543729212439062017-04-12T08:49:00.001-07:002017-04-12T08:49:28.957-07:00Martial Arts training as you ageI took my usual karate class on Monday evening. As it's the Easter holidays we were not at our usual school dojo but rather a local church hall replacement instead. Again with the holidays there were lower numbers so I tend to run the 30 minute beginner class in with my main class and train for just 90 minutes total instead of two hours.

The first 30 minutes including the beginners by definition needed to be super easy but afterwards we really made up for it with a set of five repetitions each of press ups, squats, sit ups and either star jumps or squat thrusts increasing from around 40 individual exercises in the first rep. to over 175 in the final one - all done one after the other with a 20 second rest period after each set. Then we went on to kata at full speed. An excellent and challenging session.

Only problem is on Wednesday (now) my thighs are so loaded with lactic acid I can barely walk ! That's the main effect of age I find. It takes a little longer for the after effects of a strong session to hit me and then the ache lingers a day longer than it ever did before - great fun.

Although I'm guessing the 4.5 miles I ran on Tuesday morning first thing didn't help either !

Ho Hum, just about to set off for my 90 minute Wednesday karate training session then I have the cinema with the family at 8.10pm - will be ready to drop by the time I get home around mid-night I expect !Phil Knighthttps://firstname.lastname@example.com:blogger.com,1999:blog-5064719938741388373.post-14253149965361245172017-03-28T06:55:00.001-07:002017-03-28T06:57:58.724-07:00The three St(ages) of martial arts trainingOver the years I have come to realise that as one gets older (I'm 46 BTW) the way one participates in sport changes. Certainly there are physical changes, I no longer bounce back quite as quickly following a training session and gone are the days when I'd run up to the sports centre (carrying my gear in a backpack) do a 90 minute circuit training session, 2 hour karate class then run home. It's also true what they say about losing pace. My mind works just as fast but my body no longer responds quite in the way I want it to, when I need it to.

From a psychological stand-point too things change. When I started karate at the age of 10 I was all youthful exuberance and a strict A to B mentality. Fight not going my way, fight harder. Technique not coming off - do more until it eventually gave in to me. Not getting the point from an instructor, listen but almost certainly think I know better and do it my way when he wasn't watching. This stage lasted well past my first dan grading (at 16) and into my 20's.

But then life slows you down. You begin to realise that not all things need to be met by brute force. You realise that one can change your approach to fighting to match and exceed an appoint, not by pure power necessarily but rather a more subtle implementation of power backed by experience. This second stage of training is matched by physical maturity and peak ability. Truly the journey along the path of marital arts is well underway. My personal experience is also that this second age/stage of martial arts training is also the point at which many of my contemporaries (myself included) graded to more senior Dan grades. An acknowledgement by our instructors that we had learned more than just the basics and were coming to realise something of the ethos of karate and perhaps, life in general.

My personal belief is that this second stage is as far as some students of the martial arts ever progress - yes they get older but they do not progress further in their journey. They begin to lose their physical ability without adding to their martial arts skills - older then is not necessarily wiser therefore. I was very much in this camp for a long time. At one point I briefly gave up martial arts (between 2006 and 2010) but when I came back I learned important lessons about humility and my own hubris that (I think) enabled me to move on to the third stage. Starting a new style of karate I trained with the same mindset I'd had as a second dan at my old club whilst I was a beginner in the new style. Session after session I trained in my old ways, listening to the Sensei but never quite getting it. In the end my body told me I'd have to listen, learn new ways to breath and move and hey presto I began to progress.

Sensei Phil (centre) with students circa 2014

I can remember staggering out of the dojo one time in late 2010, having done a mere 20 minutes of free form kumite with a variety of partners. So exhausted that I actually got changed out of my Gi and into my street clothes laying on my back on the floor (I am not exaggerating !) - this was the point I realised, once I had rehydrated and recovered my wits that I needed a new mindset - yes to use my legacy skills from another style of karate, yes to to build on what I had but also to think about how the new style might work for me and I it - this brought a new clarity and focus to both my training in the dojo but also my outside approach to things like running and research around the new style - reaching this third, more informed stage is about getting older. It is admitting to yourself that in your mid 40's you can't train like a teenager. Nor can you imagine that the world will bend to every technique you throw - fighting stops being a physical challenge and becomes a cerebral one. Chess writ across a blocking arm, whipping roundhouse and avoided sweep. That's not to say the physical challenge stops, as an instructor I am still obliged to lead from the front. Able to undertake all aspects of the training better than my students but able to rationalise and accept that I'm probably going to ache as much as they will the following morning.

Lastly this stage of my martial arts career is being able to admit that I may not be able to train in the way I do now in the future - I will need to back off at some point and consider other options. It is interesting to note looking in the mirror (seeing the grey hairs for example) that I'm now almost exactly the same age as my first instructor : Sensei Ben Warren was when I first started training under him in 1980. A bit of an eye opener as to the cyclical nature of both martial arts and life.

Sensei Phil Knight
Club Instructor
Leeds Premier Karate - Yeadon Dojo
www.yeadonkarate.weebly.comPhil Knighthttps://email@example.com:blogger.com,1999:blog-5064719938741388373.post-62295154982951019582017-03-16T05:13:00.003-07:002017-03-16T05:13:45.138-07:00Excellent Martial Arts podcast for you to tryAs regular readers of the blog may know I am a martial artist and run a dojo in Leeds training Shukokai karate. I also have another (2nd Dan) black belt in Tai Sabaki Do karate a Wado Ryu based self defence style.

Karate takes up a fair amount of my spare time between actually training and keeping fit - at 46 simply turning up to work out is no longer even remotely possible especially as the instructor where I need to be a step or two ahead of my students.

I though you might be interested in a marital arts podcast I recently found - Whistlekick Martial Arts Radio - search for it on iTunes or click here. I love both the format, a relatively simply interview with a martial artist twice a week but also Jeremy the host has a solid range of questions which seem to get more from his guests - he focuses on martial arts stories, the lessons it teaches us, over-coming difficulties and so forth - all the good stuff which in some ways is missing from the lives of those who have never tried out martial arts.

Have a listen and if you're ever in Leeds please feel free to drop by and train - first two lessons in my dojo are always free !

Sensei Phil

Yep that's me, mid kata - Pinan GoDan to be precise

Phil Knighthttps://firstname.lastname@example.com:blogger.com,1999:blog-5064719938741388373.post-62576629898776006542017-03-13T08:04:00.000-07:002017-03-13T08:07:20.463-07:00The government has no idea what self employed people doI've worked as a self employed person for some seven years now and it still puzzles me how some people do not understand what it is like to be self employed.

To start off, lets look at the UK Conservative government who are proposing to increase national insurance for the self employed. This (they tell us) and despite an election pledge not to increase any NI costs is because the tax discrepancy between employees and the self employed is no longer necessary. It is outdated and somehow unfair for employees. I'd like to ask in what way unfair ?

Let me re-frame the discussion.

I am delighted to pay for more NI. I'm looking forward to starting to receive the following :

paid leave
paid bank holidays
statutory sick pay
work place pension
minimum weekly hours
minimum wage

Until such time as those things are made available to those of us small business people and entrepreneurs who form the back bone of the economy then we damn well should be paying less in tax.

Now before I get complaints that NI is actually for the NHS and other social benefits I would say. That's nonsense. No tax in the UK is hypothecated any longer - NI is just another tax.

I also get frustrated by employees who work for companies who seem to (often deliberately) misunderstand what being self employed is all about. Let's put it like this. If I don't get out of bed on a morning I don't get to earn any money. If I don't do the work, all of the work then it doesn't get done and again I don't get paid. Employees have the luxury (within reason) of allowing the work to expand to fill the time available and they still get paid their salary. The self employed do not have that luxury and each extra soul destroying piece of admin we are required to conform to simply adds more and more unproductive time to our day.

Phil Knighthttps://firstname.lastname@example.com:blogger.com,1999:blog-5064719938741388373.post-50347110008162191382017-03-03T02:56:00.001-08:002017-03-03T02:56:36.398-08:00Holistic advice in the medical insurance spaceWithin my medical insurance practice I work with a range of different types of clients. Primarily high net worth individual clients and small companies (3 to 250 employees).

However I have a wide spectrum of individual, self employed and corporate clients and would be delighted to chat to anyone who is interested in new cover or a review of their existing arrangements.

Many of my clients are introduced to me via professional introducers : IFA's, General Brokers, Accountants and other business contacts

As you can see from my personal page on my compliance providers website (www.pch.uk.com/consultants/phil-d-knight/) I do advise on a wide range of products within the medical insurance space including : individual and family private medical insurance (PMI), company paid PMI, international PMI, personal, voluntary and company sponsored Hospital Cash Plans, Dental Insurance, Employee Assistance Programs and Health Screening.

I also have contacts within my professional introducer clients who can assist with virtually every financial service from pensions and investment advice, general commercial insurance, accountancy, HR solutions and a number of others.

If you'd like assistance with your medical insurance needs or a helpful pointer to a trusted contact please feel free to contact me.

Phil Knight
Independent Healthcare Consultant
07792 075748
email@example.com Knighthttps://firstname.lastname@example.com:blogger.com,1999:blog-5064719938741388373.post-38593130762385803922017-02-24T08:36:00.001-08:002017-02-24T08:36:37.704-08:00Building a better business Podcast
This is an article that I wrote today and tried to put on LinkedIn but I was unable to ascertain if it went live or not. Just in case here it is in it's entirety : -

A few years ago I created a podcast called : PMICast designed to discuss issues around my medical insurance intermediary practice. It was intended to have a dual purpose. Firstly to (obviously) drive potential customers to my business but also to provide information and support across a range of issues around the UK private medical insurance (PMI) market. It was then and still is on the only podcast ever to have focused on this particular area of insurance business. Over the years I recorded, usually every two or three weeks and ended up with a library of 68 episodes, all of which are all still available for download on the web or iTunes (other pod catchers are of course available and I'm registered with most). I also built up a good listener base and at the peak I was regularly having several thousand people download and listen the the podcast.

The original format of the show changed slightly as it became harder to introduce new, relevant content and I ended up, still with the focus on PMI but I tied the show more into my business blog as well which allowed me to discuss a few different issues but keep the content relevant to my core audience. You can find my blog at :

www.localventure.blogspot.com

 If you're interested in checking it out you will find that the blog is less devoted to medical insurance and reflects PMI, my business point of view and some of my personal interests as well. Whilst not directly relevant to my comments to follow on the podcast, the blog might be of interest for you to understand where I am coming from.

Over the last say three years the podcast and blog in tandem have raised my profile both with clients and professional introducers to my business (mainly IFA's, accountants and General Brokers). I have placed business with new clients due to these social media outlets and also put in place some important and very lucrative business contacts, directly as a result as well. This brings me to my problem ... the time involved in running my business has increased in part because of the success of the podcast and I've had less and less free time to concentrate on social media plus planning and recording the podcast. Also as other business priorities take over I have felt less inclined to search out interesting content to podcast. So on the rare occasion when I do find 30 minutes to spare to record an episode I found the content I might have to talk about to be dull and uninspiring. The thing is though that I know that having the podcast out there and regular makes my business really unique, adds real value and I can use it to further expand my business which is still definitely a priority for me moving forwards into 2017 and beyond.

With all of the above in mind I have decided to shift the focus of the podcast away from pure coverage of PMI (although I will stress that the name will remain unchanged and I will still want to feature content about my practice and medical insurance) and introduce other elements/discussions of business more generally, perhaps even with a bit of other relevant current affairs and technology news thrown in for good measure. I'm therefore working on a plan and outline strategy for a new pilot of episode #69 of the podcast. However I do wonder if this 're-invigoration' of the show might be assisted by the introduction of a new voice literally. What I'm therefore hoping to do is find a like-minded co-host for the new show. I'm looking for someone with an interest in business, current affairs and technology who (preferably) also owns their own business. That way we can offer the opinions of two entrepreneurs (hopefully from differing business sectors), set up some more dynamic content that provides for interesting content for listeners whilst at the same time gets the word about both of our businesses out there on-line.

Hopefully then this is a great opportunity for someone (probably aged between 30 and 50, male or female ) to join me and drive the project forward. There is no catch. No payment required. I will record the show (probably using a Skype call once a week or more likely fortnightly) and put it up live and then we can both be involved in the marketing and planning of future episodes if things click.

If you think that you might be interested visit the blog : www.localventure.blogspot.com to find out more about me. Then use firstname.lastname@example.com to send me a message. You'll also find me on Twitter : @localventure1 and of course here on LinkedIn

Can't wait to hear back !

Phil Knight

Independent Healthcare Consultant + Podcasting Guru
Phil Knighthttps://firstname.lastname@example.com:blogger.com,1999:blog-5064719938741388373.post-22977982152579120872017-02-24T07:43:00.000-08:002017-02-24T07:43:10.169-08:00Reinvigorating the podcastYou can find my business podcast on iTunes by searching for 'PMICast' (other pod catchers are of course available and I'm registered with most of them). You can also listen direct here : www.pmicast.podbean.com.

I launched the podcast some years ago and arrived at episode 68 a month or two ago but being honest have struggled because of work to find time to really get many episodes out. The problem is time but also getting content relevant and interesting enough (for me or listeners) to be bothered about recording an episode. At the moment I've got piles of ideas but still not a massive amount of interest. Thing is, I know it's something that I should still be doing regularly. It helps with profile and client/introducer acquisition and when on a roll can be quite fun.

I'm considering therefore changing the format of the podcast a little and seeing if I can find someone else to co-host the show with me. That would almost certainly mean I'd change the focus away from pure medical insurance onto more of a general 'about business/entrepreneurship' type affair. I have a pretty loyal band of listeners (several thousand listeners per month were regularly downloading it at it's height) and with some more consistent content it could benefit both my business and potentially also my co-hosts !

If you're interested in chatting about potentially working with me on this I'm happy to accept 'open auditions' from any one in the UK interested in the following topics - business, current affairs, insurance and possibly a bit of technology and science fiction (both personal interests) - an odd blend but it takes all sorts. If you have your own business then so much the better.

Call on : 07792 075748 or e-mail me : email@example.com for more information or to discuss.

Cheers

Phil KnightPhil Knighthttps://email@example.com:blogger.com,1999:blog-5064719938741388373.post-52053140066520811252017-02-24T06:58:00.003-08:002017-02-24T06:58:45.319-08:00How to avoid discrimination during recruitment

Here's another guest post from my colleague Mark at Croner - his details are at the bottom of the piece. If you do contact him as a result of reading about the issues here please do let him know where you found him. Thanks

Phil

Piece begins ....

A recent BBC report has found that a job seeker with an 'English-sounding name' was offered three times the number of interviews as an identical applicant with a 'Muslim name'.

CVs were sent from fake candidates "Mohamed Allam" and "Adam Henton", with four interviews offered to Mohamed, and twelve to Adam.

The recent report concurs with previous academic reports concerning the matter, which have found that British Muslims are less proportionately represented in managerial and professional occupations than any other religious group.

Following the findings, and considering academic results before it, Croner's Head of Legal Advisory, Paul Holcroft, warns that inadvertent discrimination can bring the same severity of consequences as deliberate discrimination.

"The recent report is worrying for employers for a number of reasons. The findings have attracted a lot of attention from various sources because they have been highlighted on well-known platforms, like the BBC.

"In actual fact, mindless discrimination happens on a daily basis. If an employer chooses to disregard one CV in favour of another, they must have tangible and solid evidence as to why they have made that decision.

"Even though we have seen Employment Tribunal claims drop dramatically since the introduction of fees, if a claimant believes that they have been discriminated against, even at the very early stages of a recruitment process, it's going to be very difficult for an employer to form a solid argument if they lack evidence.

Given the sheer volume of CVs that an employer may deal with when recruiting for a position, it is clear to see the immediate difficulty with documenting the thought process behind rejecting or selecting an application, let alone remembering it.

Paul advises: "Recording all decisions throughout the recruitment process will bring extra admin work and time initially, which I would assume is what puts a majority of employers off.

"Having said that, the time that an Employment Tribunal can span is unattainable, so in the grand scheme of things, keeping sufficient notes when sifting through applications would most likely not compare to a fraction of the time, effort or money a Tribunal would demand."

Amanda Beattie, Croner Litigation Field Manager, reminds: "Under the Equality Act 2010 ("the Act"), one of the protected characteristics afforded protection from discrimination is Religion and Belief. However, the other protected characteristics under the Act can also be relevant and susceptible to discrimination in the recruitment process.

"Under the Act, it is unlawful to directly discriminate against a person by treating them less favourably than they would treat others because of their religion or belief or another of the protected characteristics. Similarly, it is unlawful to indirectly discriminate against a person by applying a provision, criteria or practice ("PCP"), which puts that person and others who all hold a certain religion or belief or another protected characteristic at a disadvantage, which is not a proportionate means of achieving a legitimate aim."

Employers should remember that the Act applies equally to employees, workers and job applicants. Therefore, it is important for employers to keep accurate records of why job applicants were unsuccessful and ensure that the reason for the rejection is not discriminatory.

Mark Russell
Business Manager
Croner

Phone: 07976 948 441
Phil Knighthttps://firstname.lastname@example.com:blogger.com,1999:blog-5064719938741388373.post-32205587986524084242017-02-24T06:47:00.002-08:002017-02-24T06:47:50.316-08:00Don't forget to send your insurance forms inEveryone is really busy these days and my clients especially. They tend to be high net worth individuals, company directors, senior clinicians and so forth. This means that they always have a lot going on and filling in forms and remembering to send them back to me isn't always their top priority.

Obviously as advising on medical insurance is my living I have a different priority which is to chase those clients who need to let me have their forms back regularly so as to ensure they don't forget. I have a pretty robust diary system and generally chase clients once every week or two until they eventually come back to me. However it is not unheard of for people to forget altogether and I of course can only chase for so long.

Please remember then that (and I know it sounds as if I'm stating the obvious here) if you don't send the form back you won't have cover in place. It is not unheard of for me to chase a client over and over again for a form. Eventually give up, tell the client I have filed the papers and then at some point in time get a call from them wanting to make a claim but they can't seem to find their insurance membership information - this doesn't happen often but I've had it several times over the years and as you might imagine it can be difficult conversation, especially given I'm essentially having to confirm that not only can they not claim but that they're also a bit of a poor administrator into the process !

I've written about this issue before here and mentioned it several times on my podcast (click here for information or to listen).

I raise the issue here on the blog (again) because I have a prospective client who first contacted me for a new medical insurance report and overview in March 2014 and since then I have written three reports for him, re-priced the cover at least five times and e-mailed him at least 50 times in total (plus had several telephone conversations) and am still to receive the completed application forms back and I just know that this gentleman is one of the very busy but slightly disorganised people who might think he's done it and sent it on to me whereas in fact the form is sat completed in a pile on his desk.

I've just sent him a reminder e-mail - hopefully he might read and respond to this one.

So please, clients don't ignore my e-mails !
Phil Knighthttps://firstname.lastname@example.com:blogger.com,1999:blog-5064719938741388373.post-49029506040059630462017-02-23T02:20:00.002-08:002017-02-23T02:20:44.350-08:00What is a company handbook ?
Here's a brief guest post put together for me by a colleague : Mark from Croner - a HR services company.

__________

What is an Employee Handbook

Some companies have them, some don't. A majority have had them written many years ago and in some cases the policies are now out of date.

Whilst there are no specific employers' duties in respect of an employee handbook, the content should include set rules and guidelines the employer would like all employees to adhere to.

The handbook, unlike contracts of employment, is a uniform document that is issued to all employees regardless of position or job role.

The main purpose of the handbook is to define clear policies and procedures which reflects the ethos and style of a particular organisation and consolidate its organisational values.

When issuing an employee handbook, either in hard copy or online, the employer is providing all employees with a resource which can be easily referred to at any point by the employee.

The Employee Handbook is one of the most important tools for communication between employer and employee.

To find out what policies and procedures should be in yours, or if you have any concerns regarding your HR, you can call me on 07976948441 or visit Croner for more information and ask us how we can assist your organisation to streamline your HR

Mark Russell

Business Development Manager

Phil Knighthttps://firstname.lastname@example.com:blogger.com,1999:blog-5064719938741388373.post-6161945056514628512017-02-23T02:16:00.000-08:002017-02-23T02:16:21.899-08:00A catch up post ...Couple of things I wanted to get off my chest.

Firstly Storm Debra or Deirdre or whatever the Met Office are calling it is about to hit Scotland and the North of England with (apparently) gusts of wind up to 90 mph but averaging around 50 mph and snow (30 cm on high ground in Scotland) rain and so forth. This storm has been headline news on all the breakfast shows. My question is though, isn't it supposed to be cold, windy and snowy in Winter ? Suck it up guys, this is simply the usual British weather. In other breaking news this morning : water is wet, dogs hate cats and Donald Trump is still a liar.

It's starting to get to me in shops when you pay on your debit card and the assistant asks me if I want my receipt. Two things. Firstly if I don't take the receipt how will I remember to deduct the money from my bank account balance to know how much money I have left and secondly with no receipt how do I prove, if asked, that I paid for goods and didn't shoplift them ?

Phil Knighthttps://email@example.com


text:
Mahwah Homes for SaleMahwah Homes for SalesHillsdale homes for saleMahwah condos for sale
Your Bank does not want to foreclose on you since this process does cost the bank/lender time and money. Banks/lenders are not in the real estate business and would prefer to resolve this situation. Here are options that can prevent the foreclosure process:
Your Bank does not want to foreclose on you since this process does cost the bank/lender time and money. Banks/lenders are not in the real estate business and would prefer to resolve this situation.
Here are options that can prevent the foreclosure process:
Option 1-Refinance: It is important to open the line of communication between you and your bank. We can do that for you. Click on Service Provider for a list of mortgage contacts to help you on your way. Loan modification work out programs can be established to re-instate your loan and most are at no cost to you. Go to MakingHomeAffordable.gov for information about loan modification with your Service Provider. If you are having diffuculty navigating through these websites please give me a call to arrange a meeting.
Also, New Jersey Housing and Mortgage Finance Agency has Loan Modification programs available. For more information please contact them at 1-800-NJHOUSE.
Option 2-Selling: If you need to sell we will do a free comparative market analyses to establish the list price of your property. Through our aggressive marketing campaign we will strive for a quick sale.
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Auction Date Near: If you have waited until a few months before the auction to contact us and you think you are out of time, we can still help. We can put you in contact with financial investors or buyers that maybe interested in buying your property. They have the funds available and can offer quick closing. The contract price does require bank/lender approval.
We are available to discuss these options in more details.
It is important to act quickly to resolve this matter. Your credit score is at risk. Time is of the essence, so please call immediately to start the process.
Who Owns Your Mortgage: Banks are your service provider that takes care of serving your mortgage. Most mortgages are sold to an investor and the two most widely used investors are Fannie Mae and Freddie Mac. To find our it one of these companies is holding your mortgage please click on the links below:
© 2001-2017 Reliance Network and RE/MAX of New Jersey.
All rights reserved. US Reg. Copyright TX-5-910-991, TX-5-910-992, TX-5-910-993, and TX-5-910-994.
Each RE/MAX® Office is Independently Owned and Operated. Equal Housing Opportunity.

subset: commoncrawl


text:
December 9, 2015
The Justice Of Memory, The Grace Of Forgetting: A Conversation With Miroslav Volf
…there is a benefit both to victims and to perpetrators and to our entire world if properly executed nonremembrance takes place.
Miroslav Volf was interviewed on memory, forgetting, and forgiveness, by James K.A. Smith of Calvin College. Read their profound and thought-provoking conversation online at Comment Magazine's website.


text:
Cadillac Repair Questions? Ask a Mechanic for Answers ASAP
Hello, my name is ***** ***** I am a professional here at Just Answer. I have noticed that your question was not getting a response and thought I would see if you still need help with this.I apologize for the delay and I hope I can still assist you with this here. The problem and the message your getting can mean your key have lost programming and the first thing you need to do is to run the relearn procedure . See it in the link below. Start with the 10 minute procedure and see if the problem is cleared.https://dl.dropboxusercontent.com/u/104923897/Relearn%20Aug%2015.pdf


text:
All psychometric tests have been designed and developed by our R & D comprised of psychologists from various affiliations (BPS - British psychological society, French psychological association..), backgrounds (occupational, educational..) and cultures (European, American and Asian).
Online-Psychometrics has stressed on 3 essential qualities : the validity, accuracy and reliabilty of the tests.
Validity refers to what characteristic the test measures and how well the test measures that characteristic. Validity estimates tells us if the characteristics being measured by a test are related to the requirements of an assessment situation.
Validity gives meaning to the test scores. Validity evidence indicates that there is linkage between test performance and job performance. It can tell as to what one may conclude or predict about someone from his or her score on the test.
If a test has been demonstrated to be a valid predictor of performance on a specific job, one can conclude that people scoring high on the test are more likely to perform well on the job than people who score low on the test, other things being equal. Validity also describes the degree to which one can make specific conclusions or predictions about people based on their test scores. In other words, it indicates the usefulness of the test.
Il s'agit de vérifier que les différents items utilisés pour évaluer chacun des traits du questionnaire sont cohérents les uns avec les autres, c'est-à-dire s'il existe une bonne homogénéité dans l'évaluation d'un facteur. Ainsi, chaque dimension du questionnaire a été analysée suivant les coefficients Alpha de Chronbach.
D'autre part, afin de garantir la stabilité temporelle des résultats, les candidats ont été invités à passer les tests une deuxième fois à quelques semaines d'intervalle de la première passation.
Reliability refers to how dependably or consistently a test measures a characteristic. If a person takes the test again, will he or she get a similar test score, or a much different score? A test that yields similar scores for a person who repeats the test is said to measure the characteristic reliably.
Access reserved to Test Administrator: Administer psychometric tests on your candidate/employee via e-mail, view results, buy tests, etc. ENTER
(Reserved for Recruiters, Consultants and HR Professionals)


text:
Texas company AdvoCare buys naming rights for Phoenix Nascar race
An Amway-type company out of Texas is the new title sponsor for the November Nascar race at Phoenix International Raceway.
AdvoCare International LP has inked a naming rights deal for the Nov. 11 race.
It will be called the AdvoCare 500 at Phoenix International Raceway. The race is the next to last race in the Chase for the Nascar Sprint Cup.
Carrollton, Texas-based AdvoCare is a multi-level marketing company like Amway that has independent distributors and sellers. The company's products include weight-loss products, energy and nutritional drinks, vitamins and skin care products.
Michigan-based Amway, which has the naming rights deal to the Orlando Magic's basketball arena in Florida, offers some of those same products.
AdvoCare CEO Richard Wright was in Phoenix today to announce the naming deal. He hopes this and other marketing efforts will raise the company's profile. Terms of the naming rights deal were not disclosed.
"One of my personal goals is to make AdvoCare a household name in America," Wright said.
AdvoCare already has made some forays into sports marketing. New Orleans Saints quarterback Drew Brees and Cleveland Browns quarterback Colt McCoy are spokesman for the company.
The company also is the primary sponsor of a Nascar Nationwide Series car owned by Richard Childress. Kobalt Tools sponsored the November race at PIR last November. Subway is the sponsor of PIR's spring race.


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4Tucson at 4:00 airs weekday afternoons on AM 1030 KVOI, The Voice. Hosted by Mike Shaw and Produced by Ray Alan. 4Tucson at 4:00 talks about news of the day, religion, politics, local events, and other fun stuff.
Mike was born in Compton, California and grew up in Oregon. In 1984 he moved to Roswell, NM to start his broadcast career. In his 25 years in radio and television, Mike has worked as a DJ, Music Director, Photojournalist, Reporter, Weather Anchor, News Anchor and other duties as assigned. He has also managed station web sites and has had success making YouTube videos. Mike was moved to Tucson from west Texas in 2006 by Family Life Radio where he served as News Director for four years.
Mike has two adult children and four grandchildren. He enjoys taking pictures of the amazing sunrises and sunsets that Tucson is famous for. He still has a passion for weather and updates the forecast every morning at his Tucson Weather Facebook page. Mike is excited to be the host of "4Tucson at 4:00″ weekday afternoon's at 4:00 on AM 1030 KVOI, The Voice. He believes that God is moving on the hearts of Christians all over metro Tucson bringing unity to the body of Christ and local churches. "I'm excited to be a small part of what God is doing in Tucson through 4Tucson," Mike said. "As the body of Christ serves the community, we will see the kind of change that will make Tucson a better place for all of us."


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SSW receives $14.5 million for research, service
A commitment to research and service has produced one of the strongest years for financial support in the history of the School of Social Work at the University of North Carolina at Chapel Hill.
The School received $14.5 million in external awards in the 2016–2017 fiscal year. This included $5 million in funding for research projects and more than $9 million for service projects throughout the State of North Carolina.
"This level of support is a testament to the quality of our faculty and our programs," said Gary Bowen, dean of the School. "Our work impacts hundreds of thousands of people, not only in North Carolina but across our country and throughout our world."
Cindy Fraga-Riza to receive national research award
Cindy Fraga Rizo, Ph.D., will receive the Linda Saltzman New Investigator Award for 2017 at the National Conference on Health and Domestic Violence (Sept. 26–28).
An assistant professor at the UNC School of Social Work (University of North Carolina at Chapel Hill), Rizo focuses her research on interventions for particularly vulnerable intimate partner violence survivors, including Latinas, immigrants and system-involved survivors.
Chancellor Folt joins GSDI team to meet with Kenyan leaders
Chancellor Carol Folt joined Gina Chowa, director of the School's Global Social Development Innovations (GSDI) center and other GSDI team members, in Nairobi, Kenya, to meet with government and organizational leaders and discuss GSDI programs in Africa.
The center is planning its formal launch for October 2017. Click here to read more about GSDI.
New scholarship to honor Iris Carlton-LaNey, Ph.D.
A scholarship honoring longtime faculty member Iris Carlton-LaNey, Ph.D., will benefit MSW students who are interested in social justice and racial equity.
The new Iris Carlton-LaNey Scholarship was created with a gift from alumnus Noel Bost (MSW '96). Click here to read more about this scholarship.


text:
Posted on 5 July 2005
- 12:00
It will be a case of back to where it all began when Aaron Lennon gets the chance to step back on the pitch at White Hart Lane.
It was on the 23 August 2003 when Leeds United provided the opposition for our first home game of the season. The visitors took a fifth minute lead through Alan Smith before Mauricio Taricco and the debut making Fredi Kanoute swung the game in our favour.
On 78 minutes Mark Viduka took his leave and was replaced by a then 16-year-old Aaron who became the youngest player to have stepped onto the Premiership stage.
Nearly two years on, the now 18-year-old has swapped the white of Leeds for that of Spurs and he remembers his first impression of his new surroundings.
"That was a while ago now, I was only 16 when I came off the bench and it was brilliant for me," he recalled. "I noticed what a great stadium it is straight away and it was an amazing place to make my debut.
"It is a bit of an irony. Everybody has been saying to me 'you made your debut there and now you're going to play for them'. Things happen like that in football."
Aaron began training with his new teammates over the weekend, welcomed to Spurs Lodge with the dreaded bleep test. He did pretty well, recording a score of 14, but has already been surpassed - along with everybody else - by the energetic Kieran McKenna who eased in with a 16.
"It has been quite hard - I didn't think we would be doing the bleep test! We did some other runs too, but I'll get used to it," he added, before reflecting on his switch to the south.
"It is a massive move for me, 200 miles from home and it will take a little while to get used to it all. I am sure I will settle in well soon.
"I couldn't believe when I was told Spurs were interested in me. It is massive club that is going places and it is where I want to be.
"I have seen them signing top young players - probably the best in the country - and it is a club going somewhere and I want to be part of it all."
15 May 2017
All the stats, facts and figures you need to know about our competitive matches during our 118-year stay at White Hart Lane.
2 May 2017
Don't forget, there's another chance to come to White Hart Lane to take in a game this coming Thursday (May 4) before we move out of our iconic home stadium at the end of the season.
23 March 2017
Spurs Ladies will play at White Hart Lane for the first time on Wednesday, April 19.
View mobile site
© Tottenham Hotspur Ltd 2017. All rights reserved.
All photography copyright Getty Images (unless otherwise stated)


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Irish Mission Pathfinder Camporee
The next Irish Mission Pathfinder Camporee is being held at the Newmarket site from 28th April - 1st May 2017.
Our theme for the weekend will be Supreme Sacrifice
Guest Speaker
We will have Four special guests:
Pastor Dragos Brasoveanu - main speaker (Romania)
Trevor and Cynthia Harewood - Marching and Drilling Trainers and Uniform Inspectors (BUC)
Cristina Neagu - Master Guide and Activities Responsible (Germany)
The cost of the weekend will be as follows
20 Euro (+booking fee) for Adventurers
25 Euro (+booking fee) for Pathfinders
40 Euro (+booking fee) for parents
15 Euro for a place on the coach.
10 Euro - 1 day stay ticket
6 Volunteer FREE tickets available on the first come first served basis. To book a free ticket please click on tickets and then click on Volunteer. Please note that even if you purchase the ticket that doesn't mean your staff place is secured.
You will need to pay for everything in FULL before Sunday 23 of April if you wish to attend. NO ENTRY ALLOWED AFTER THE ABOVE DATE.
You must register here online to attend the event. However, you will need to pay at the time you register.
To register for family (2 or more members of the same family) ticket please choose Family in each ticket option as need it.
For example, 1 Pathfinder and 1 adventurer from the same family will:
click Family under adventurer ticket and choose 1 from the drop menu, scroll down and under Pathfinder ticket choose Family again and 1 from the drop menu, click proceed and the discount is automatically applied
Travel to/from Newmarket on Fergus by Coach
Liffey Valley (Mc Donalds car park) to Newmarket on Fergus - departure at 4pm on Friday 28th af April
- estimated arrival time - 7:30 pm
Newmarket on Fergus to Liffey Valley (Mc Donalds car park) - departure at 2:30 pm on 1 of May 2017
- estimated arrival time - 5:30 pm
If you have any queries or wish to be staff then please contact our Pathfinder sponsor, Bogdan Stan on firstname.lastname@example.com
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World's End premiere for Wellington
Stars will tread the red carpet in Wellington for the New Zealand premiere of a film where a pub crawl turns into a battle for survival.
The World's End marks the third instalment of Edgar Wright's trilogy of comedies, following after Shaun of the Dead (2004) and Hot Fuzz (2007).
It stars Simon Pegg, who will star alongside Nick Frost, with Martin Freeman of The Hobbit fame.
Paramount Pictures New Zealand today confirmed the film will have its New Zealand premiere in Wellington on July 14.
Director Edgar Wright hinted at the news in a recent tweet.
"OK NZ, you get your good news now. The World's End opens July 18th in New Zealand. And we are coming over too,'' he said.
The team have a long association with New Zealand, especially Pegg, who did a stint at Bats Theatre in Wellington in 1996.
In The World's End, 20 years after attempting an epic pub crawl, five childhood friends reunite when one of them
becomes hellbent on trying the drinking marathon again.
As they attempt to reconcile the past and present, they realise the real struggle is for the future, not just theirs but humankind's.
The Dominion Post


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Printing on AirBy
If your home network includes a Linux machine, you have access to everything you need to share your printers on the network as AirPrint-enabled devices.
iOS version 4.2 was the first to give the Apple iPad and iPhone the ability to print – but only on printers that support the technology known as AirPrint. AirPrint devices are now available from all major manufacturers in every price and performance class, but many users are still wary of having to buy a new printer just to put something from their iPhone or iPad onto paper.
Luckily, if your home network includes a Linux machine, you have access to all the tools you need to share your printers on the network as AirPrint-enabled devices. AirPrint is based on the zero-configuration (Zeroconf) networking standard, which Apple markets under the brand name Bonjour. Linux has its own implementation of Zeroconf known as Avahi.
As early as 2011, Till Kamppeter modified the Common Unix Printer System (CUPS) implementation for the Ubuntu Natty and Oneiric versions so that connected AirPrint printers are directly available. If your distro doesn't support direct configuration, it pays to know how to set up AirPrint support manually. In this article, I take a look at AirPrint with Linux.
AirPrint is a technology that lets the device send PDF files to the printer. For this purpose, it sends information about the number of copies and page numbers that the user actually wants to print. A working installation of CUPS should be all you need to let iPad and iPhone find the network-shared printers and print to them.
Unfortunately, Apple has now removed some important features from CUPS that are not necessary on Mac OS X, because they are provided there by the Bonjour service. Fortunately, Linux reintroduces these missing features through Avahi, which includes the necessary functions.
CUPS configuration in Linux is described by numerous web sources. In this article, I assume a working version of CUPS is running on your system. Once the CUPS service is running, first check whether your printer is working by printing a test page. (Open a browser and enter the URL http://<hostname>:631.) You can reach this page from any other computer on the network. In the Printers tab below Management, you will see the command for outputting the test page.)
To share the printer on the network, make sure the /etc/cups/cupsd.conf file contains the appropriate entries. Listing 1 shows an example from the test system.
Listing 1: Example of /etc/cups/cupsd.conf
01 ServerAlias * 02 Listen *:631 03 Listen /var/run/cups/cups.sock 04 # Restrict access to the server... 05 <Location /> 06 Allow @LOCAL 07 Order allow,deny 08 </Location> 09 # Restrict access to the admin pages... 10 <Location /admin> 11 Order allow,deny 12 Allow @LOCAL 13 </Location> 14 # Restrict access to configuration files... 15 <Location /admin/conf> 16 AuthType Default 17 Require user @SYSTEM 18 Order allow,deny 19 Allow @LOCAL 20 </Location>
The first two lines are important here; they allow any client to access the server. These lax permissions facilitate attacks on the service. It is thus important to consider any changes you make.
Change the file accordingly and restart the CUPS system. On openSUSE, you can do the following:
sudo systemctl restart cups.service
On Ubuntu and other Debian systems, however, use the following command:
sudo /etc/init.d/cups restart
Now you should be able to find the printer from a Windows computer. To do this, Add a new network printer in the Control Panel and then type the address of the CUPS server and the name of the printer as the name of the shared printer (Figure 1).
Windows asks for the printer model to install the correct driver. If you see an Unable to connect message here, check your CUPS installation and the network share for the printer again.
For Apple devices to be able to recognize the printer, you need to advertise it via a Bonjour broadcast on the network. To do this, set up an Avahi service. The configuration files for these services can be found in the /etc/ahavi/services directory. Listing 2 shows the AirPrint HP1220C.service file on our lab system.
Listing 2: AirPrint HP1220C.serviceconf
01 <?xml version='1.0' encoding='UTF-8'?> 02 <!DOCTYPE service-group SYSTEM "avahi-service.dtd"> 03 <service-group> 04 <name replace-wildcards="yes">AirPrint HP1220C @ %h</name> 05 <service> 06 <type>_ipp._tcp</type> 07 <subtype>_universal._sub._ipp._tcp</subtype> 08 <port>631</port> 09 <txt-record>txtvers=1</txt-record> 10 <txt-record>qtotal=1</txt-record> 11 <txt-record>Transparent=T</txt-record> 12 <txt-record>URF=none</txt-record> 13 <txt-record>rp=printers/HP1220C</txt-record> 14 <txt-record>note=Raw Queue with driver HP Deskjet 1220c hpijs, \ 3.12.11</txt-record> 15 <txt-record>product=(GPL Ghostscript)</txt-record> 16 <txt-record>printer-state=3</txt-record> 17 <txt-record>printer-type=0x82b01c</txt-record> 18 <txt-record>pdl=application/octet-stream,application/pdf,\ application/postscript,image/gif,image/jpeg,image/png,\ image/tiff,image/urf,text/html,text/plain,\ application/vnd.cups-banner,application/vnd.cups-command,\ application/vnd.cups-pdf,\ application/vnd.cups-postscript</txt-record> 19 </service> 20 </service-group>
Admittedly, creating and modifying these service files manually for each printer on the system might not be everybody's idea of fun. Luckily, developer Timothy J. Fontaine implemented a small Python script (Listing 3) that automatically creates these files for all CUPS printers on the system [https://github.com/tjfontaine/airprint-generate].
Listing 3: Executing Python Script
wget https://github.com/tjfontaine/airprint-generate/zipall/master unzip master cd tjfontaine-airprint-generate-fb98c1d/ ./airprint-generate.py mv AirPrint-HP1220C.service /etc/avahi/services sudo systemctl restart avahi-daemon.service sudo systemctl restart cups.service
The steps are easy enough: Just run the script without any parameters once for each printer; this gives you a file that you then copy to the /etc/avahi/services directory. After restarting Avahi and CUPS, you should be able to print from Apple devices without any problems.
Creating MIME Types
What we have looked at thus far will fail if you happen to have iOS version 6 or newer installed on your device. In this case, you also need to create new MIME types to associate incoming data correctly. This is fairly straightforward (Listing 4).
Listing 4: Creating MIME Types
echo "image/urf urf string(0,UNIRAST<00>)" > \ /usr/share/cups/mime/airprint.types echo "image/urf application/pdf 100 pdftoraster" > \ /usr/share/cups/mime/airprint.convs
In contrast to the popular workarounds using specialized printer apps, this approach does not require any intervention on the Apple device. You just use the existing print function. Figure 2 shows you what this process looks like on the iPad.
In just a few steps, you have prepared a CUPS server for printing via AirPrint. This saves you money, because not all printers support this technology out the box.
Moreover, the approach poses no specific requirements on the printer. The adjustments are made entirely on the Linux PC. In principle, this approach should work with any mini-server running embedded Linux, too.
Issue 203/2017
Buy this issue as a PDF
Linus Torvalds Invites Attackers to Join the Kernel Community
He wants attackers to join the community instead of attacking the code.
Oracle Donating Java EE to the Eclipse Foundation
Oracle is recommending a new name for the Java Enterprise Edition platform.
Reddit Closing Doors to Open Source
The peanut gallery of the Internet is closing its open source repository.
Largest Open Source Summit to Date Around the Corner
LinuxCon is now Open Source Summit.
Gnome is Celebrating it's 20th Birthday
More than 33 releases since the first release of Gnome.
SQL Server Comes to RHEL; OpenShift Comes to Azure
Microsoft and Red Hat expand their partnership.
LibreOffice 5.4 Released
Comes with improved support for Microsoft Office file formats.
Red Hat to Drop Support for Btrfs
The company is building their own storage solution called Stratis.
Reinvent your network with DevOps tools and techniques:
Opportunities and Risks: Containers for DevOps
Automated Builds Using CentOS 7 and Kickstart
Elasticsearch, Logstash, and Kibana – The ELK stack
Are you ready for DevOps? Try your luck with the beta version of Linux Professional Institute's new DevOps exam.
Kolab Now Integrates Collabora Online
Kolab Now subscribers now have access to Collabora Online.


text:
"Fascist" isn't a multi-purpose word.
How today's campus radicals differ from their '60s forebears.
Ernest Hemingway's life and letters.
Foucault could think outside the Left's comfort zone.
Richard Nixon was at heart a Machiavellian.
Murray Olderman is one of the last sports cartoonists.
The more things change...
America's far west in verse.
Edwin Stanton was the right man for the times.


text:
Base Pay
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Total Compensation
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The typical Jamba Juice Team Member salary is $9. Team Member salaries at Jamba Juice can range from $7-$14. This estimate is based upon 344 Jamba Juice Team Member salary report(s) provided by employees or estimated based upon statistical methods. See all Team Member salaries to learn how this stacks up in the market.
"The discount was only 50% off one smoothie purchase as well as one food item besides drinks which was pretty good. The only downside is that you can..."
"They are good about getting you trained and making you feel comfortable and not overwhelmed. The only downside is that the training is mostly book..."
"Had two pregnant GM's in a row, so yeah when you're at that level you get leave."
Looking beyond Jamba Juice?
Check out the latest Team Member Jobs or see Team Member Salaries at other companies.
See if they're hiring! Check out the latest Jamba Juice Jobs


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This is a very short post just to say I'm upgrading my social network presence with a brand new twitter account. If you whish, you may follow me on twitter.com/philipplusmusic. Hope to see you there soon! :)
Category Archives: News & Updates
New Tutorial Series Released Today!
Just a quick update. I just uploaded the first episode of a 7 (or 8) episode tutorial series devoted to the Korg SQ-1. I've been having a few requests to do such a thing, and I finally managed to get the time and courage to do it. The tutorials will be added to this playlist on my YouTube Channel. I hope you enjoy this new series, find it inspiring and start applying the tips and tricks in it to make new music.
Please feel free to put you questions in the comments for the video. I'll try to reply to them either via reply, or on a future episode, or even on a Q&A episode at the end of the series.
New Digs
This is the first time I write here since early June. Thankfully, there is a good reason behind mu absence: in mid-June me and my girlfriend started living together. And because this is a new house, we were able to make some adjustments to my setup.
Perhaps the most noticeable difference is that my main keyboard (a Edirol PCR-500) now sits on the lower shelf of a Ultimate AX-48 Pro. The MicroKorg and the MicoBrute alternate as tenants of the upper shelf. Perhaps in the future a third shelf will be added eihter for a laptop, or a Beatsetp Pro, or another keyboard synth ;)
The rest of the space is occupied by Ikea furniture, which provide placement for all the small stuff: Volcas, the QY-70, the SU-10, all the guitar pedals, two half-rack synth modules (a FB-01 and a gorgeous sounding JV-1010) and other little bits. But most important, some duets may be on the way ;)
Vlog Experiment
Ok, so this was my first experiment vloging on YouTube. I think it when well… except for the Volca that does not respond to MIDI, the head bump into the mic, my face on the video, and some attempts at assassinating the English language…Should I repeat it?
January Updates
It's been a while since I write on this blog, so here's a quick summary of the end of 2015, and plans for 2016.
By the end of October I knew I was meant to go to India on work, so I spent most of my spare time in November preparing for the trip (doctor's appointments, visa, flight plans, touring plans, etc). On December first I took the long and boring Porto-Frankfurt-Delhi-Lucknow flights, followed by a two-hour drive to Kanpur. While I was in India, this website, and the Volca Sample Tutorial Series were feature in an article in Synthopia, which was overwhelmingly great.
I arrived back at home on December, the 16th only to find out my lab was going to be closed between Christmas and New Year's day…. Continue reading January Updates


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Jeux De Peau Cologne
By Serge Lutens for Men
Jeux De Peau Cologne by Serge Lutens, Whether you're a strong man who has a taste for the luxurious or a confident woman who enjoys being the center of attention, you're sure to appreciatejeux de peau cologne. The famous design house of serge lutens launched this unisex scent in 2011. Its sweet top notes of milk and wheat with a heart of coconut leave room for a base of woody and amber notes that will keep you invigorated throughout the day. All products are original, authentic name brands. We do not sell knockoffs or imitations. ... Read More
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