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How would you like your Bill served?

bills in the mail box

A business owner and customer sit down together for a meal and moan about paying their bills, each from their own perspective. They agree about the joys of receiving their monthly bills whether by snail mail, or email, if you’ve gone the paperless route.

So many bills! Telephone, mobile phone, vehicle, satellite dish, internet, mortgage, insurance, etc., and the list goes on! Well, for those who can afford these ‘privileges’, will see these bills every month. What if a change occurred in delivery of our bills?

 

Business Plans and Tools

A business development and management course I had taken taught putting together a business plan. One of the steps requires annual cash flow projections showing a slight increase, of prices each year and keeping up with potential of rising inflation and/or our competitors. This helps to see, and/or, realize the potential success, of the business project at hand aka the financial forecasting exercise.

Research is done by marketing firms and businesses to check out ‘trends‘ and/or discover new customer insights. These reports are tools that help businesses adjust and improve their own marketing efforts, to their existing, and/or, for new customers yet still make a profit, to continue operations of their business. It is a great practice and tool, for all business owners.

Customers Collective Buying Power

Now, at the other end, we have our customers. As a customer myself of different services, I have come to realize that many businesses earn over the top profits, with the amounts of monies paid each month.

Our governments have control over infrastructure and delivery of some of these services, such as Hydro and we know that our electricity bills, are skyrocketing, least in Canada. This adds a financial burden to many struggling to stay afloat of homelessness, unemployment, etc., since wages aren’t keeping up. What is up with that? Oh! Got to love this quote.

J.O.B.
Just Over Broke

A business needs customers to operate. The monies from every customer especially when gathered together, and drawing upon a customers ‘collective‘ buying power, add up. We are the ‘target market‘. Prices continue rising and we continue paying even though we’re at the edge of broke. I must add another quote that’s awesome, bear with me please. 🙂

I’m not Greedy if I ask for only $1 from the whole population

Examining that quote about not being greedy, can you imagine how much money can be gathered, from the whole population? For Canada, there’s near 34 MILLION people. Now, reassemble that number with the amount of one of your bills but lesser number of people, say, 12,500.  Take the amount of your bill and multiply that with that number –> 12,500 x $XXX =

Simplified Home Finance Management                                                                 learning to keep records of your bills

Business planning requires answering the question about ‘market share‘ meaning, how many customers needed, to make a profit? Do you see the amount of monies a business can collect from their ‘target market‘?

Oh! the Businesses will cry Foul!

Can you hear the business owner protesting? Alright, yes, the business owner has bills and financial responsibilities of his own. S/he will have to pay off equipment costs, business loan debts, staff, business licenses, rent, memberships, equipment maintenance and/or replacement, insurance of one kind or other, etc., and it adds up.

One beauty about business plans, is they can pinpoint, to almost the nearest dollar, what exactly a business will be required to spend aka ‘expenditures‘. They can’t foresee all future obstacles, that may cause disruptions, of their services and/or products but it’s recommended, to be prepared.

Fair, Unfair and Outright Greed

The prices of many of our gadgets, utilities, services and needs will vary. As customers, we constantly seek out the lower price, to free up and further our own spending power. Some people say the government enrich themselves, off the backs of the People.

We see and hear about our government high salaries are paid with the Public tax monies, using Public tax monies to pay for ‘government business needs‘ (airplanes, chauffeurs, hotels, meals,rent) always wanting more, raising taxes, creating claw backs … Greed just seems to runs rampant in government office these days, yeah?

Customers don’t just stop at governments either. They will look at business owners and discuss the outrageous price hikes of various products and conclude, greed is the driving factor. The struggle to keep food on the table, heat, water, daycare, telephone, satellite dish, internet, the costs keep rising. Do business owners genuinely appreciate their customers these days?

Changing the Billing Model

The many businesses that exist, looking to improve their operations and/or, to attract more customers, can just look at their own ‘personal emotions‘ about having to  pay bills, to find an opportunity, to change their marketing efforts. We can create our own ‘mover and shaker‘ experiences for customers.

A few simple ‘incentives‘ a business owner could offer customers and build ‘popularity‘ could be, the following

  • offer a one year FREE service for sending in referrals (but no conditions, such as must be new paying customer, that’s asking for unrealistic guarantee )
  • offer one month HALF price or FREE month (i.e., Christmas month)
  • offer a ‘once-a-month deduct your bill‘ customer day
  • offer once a year billing

The point is to realize, customers are struggling to make ends meet too. Rather than viewing them as a ‘money tree‘ and ripe, for harvesting them for every dollar. Take a step back and see, how can a business make their life easier, and, grow loyal customers?

Learning in Action

Extra Reading

Giving Incentives for Referrals 

13 Tips: Getting the Most out Attending a Trade Show or Trade Event

10 Online Customer Attraction Techniques You Should Zone in on in 2015

I hope you found this article informative and gained some new insight. Please feel free to share with others! Use the ‘Ask a Question’ form to make a request on a topic of your own interest. I hope you visit again for more informative articles coming soon.

 AIC| An Informal Cornr, all rights reserved. Ginsense writes articles on business skills and development, health, science, technology and society, and enjoys advocating for social justice, security, and, a better world for all of us.

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11 Facts about In Vitro Fertilisation

facts about in vitro fertisation

Infertility affects couples around the globe with the inability to produce their own genetic offspring.

Conception will depend on the health status, and production of healthy sperm by the Man, and healthy eggs by the Woman. Both sperm and egg must be able to meet, and ‘implantation‘ of a fertilized egg must be able to take place in the womb.

Natural abilities are sometimes amiss for couples. This inability to attain a pregnancy will cause great anxiety, anger, grief and helplessness. Luckily, health science and research have been developed to help couples.

Causes of Infertility

Factors that can affect conception to occur for males can be, low/no sperm, malformed sperm, short life sperm, spermatic tube blockage, undeveloped or damaged testes, from STD and/or trauma, or genetic disease.

Mutual immunological incompatibility (blood serum) may be suspect, exposure to pollutants is also another consideration, age, trauma, infections, medications, disease, reproductive organ malformations, high temperatures of male scrotal sac.

Women may face anovulation (failure to ovulate) due to stress, hormonal imbalance, tumor, cyst, ovary disorder, obstructed fallopian tubes, pelvic endometriosis, poor embryo implantation. It’s estimated that 40% of couples are affected with infertility cases.

conception meets
conception meets

Facts about In Vitro Fertilisation Treatment

The use of ‘in vitro fertilisation‘ techniques are one of the treatments offered to help. A few facts about this treatment are:

  1. Dr Edwards, Embryologist, develops human culture media for embryo fertilisation aka the ‘petri dish’ and partners with Dr. Steptoe, Gynecologist, who develops the method of using laparoscopy to implant embryos.
  2. Hostility and criticism was endured by both pioneers, from their peers, government, religious sectors as saying that IVF was creating ‘Frankenbabies’.
  3. Lesley Brown volunteers to undergo the IVF technique and succeeds in conception, declared officially pregnant.
  4. The birth is attended by government officials to document the baby is truly Lesley Brown’s child.
  5. July 1978, England, is the first to announce successful birth of a ‘test tube baby’ with no defects or abnormalities.
  6. IVF treatment availability comes with strict regulations such as specific age, diet, number of embryo transfers and weight next to differing costs.
  7. Medical tourism provides couples to opt for lower cost and regulations, of IVF treatment, in developing nations vs developed nations.
  8. Research today, is exploring how embryos attach to the lining of the womb when implanted thus possibly answering why the IVF cycle can prove unsuccessful.
  9. A high incidence of miscarriages with IVF treatment are common. Studies have shown miscarriages occur due to Aneuploidy, abnormal numbers of chromosomes.
  10. Stem cell research has succeeded in creation of viable offspring in animals but no reports of live human births from artificial gametes has been recorded yet.
  11. Research has shown that approximately 50% of Western men have decreased sperm counts.
artificial insemination procedure

Diagnostics help find Causes

Investigating the underlying causes of infertility are performed for both partners. This may require sensitive and specialized tests to determine if infertility is due to one or both partners.

Most specialists will require both partners to participate in a infertility study. Treatment for infertility are approached specifically with the results from each partner. Basic tests start with physical exams, endoscopy exams, laparoscopy exams, history of traumas, and family history of disease.

infertility diagnostic tests
infertility diagnostic tests

Alternatives to Infertility

Medical studies are on-going, and research never sleeps. A news story reported how a woman had a womb transplant and successful birth, there are Surrogate mothers, artificial insemination, and adoption.

It’s important to keep an open mind after all even science cannot cure infertility. It is a condition that nobody expects and blame is not on any one person. A child of one’s own genes is desirable, and children, all children, are deserving of our love and care.

New methods and discoveries will be, and have been found. One must keep their faith strong whether successful or unsuccessful.

I hope you found this article informative. Please feel free to leave your comments or share with your Friends. Use the ‘Ask a Question’ form and request a topic of your own interest for the next Post.

Learning in Action

Learning Resources

ABO Incompatibility in Newborns

Insurance Coverage for Infertility Treatment PDF

Miscarriage

ACI| An Informal Cornr, all rights reserved. Ginsense writes articles on business skills, development, health, science, technology and society and enjoys advocating for independence, security and a better world for all of us.

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Living the Conditions of Genocide

genocide,60s Scoop, ptsd, mental health, living genocide, healing and welness
Healing from Genocide

One day, nestled in the forest, a child giggles and points to the birds flying by, staying close to his/her parent. This parent teaches the child how to pronounce words, naming the birds, a tree, the grass. That smile that lights up the parents face when this child repeats the words back, correctly, makes this child happy beyond words. It’s called joy.

Can you remember experiencing such a joy and sense of freedom, security, from your own childhood years? Can you imagine living the conditions of genocide?

Learning what is Genocide?

Genocide, in our minds, refers to ‘mass murder’ of a people but there are a few other terms that need explaining since they get used interchangeably but have their own separate definitions. As we know, the United Nations defines Genocide as ‘the destruction of a national ethnic, racial or religious group‘ and is considered the ultimate crime against humanity. It doesn’t have to necessarily mean complete annihilation of a group but still aims, to ‘eradicate‘ a part of Humanity.

Crimes against Humanity refers to systematic attacks against the civilian population regardless of whether in times of peace or war. It refers to acts against common human rights and values such as murder, extermination, forced displacement, slavery, rape, torture and other inhumane acts.

War Crimes, refers to criminal acts committed during armed conflicts and severe acts of Breach to the Rules of warfare. These rules are set down in the Geneva Conventions to protect the innocent civilian population, prisoners of war, sick or wounded military personnel, destruction of towns, cities, not justified by armed combatants.

The term crimes against humanity, is considered an ‘umbrella‘ term to encompass crimes that are not necessarily extreme as genocide but these crimes do not need to reach this point, in order to be defined and punished, by International laws.

urban militarized police
urban militarized police

What is a Society and Culture?

The conditions that occur in armed conflict zones affect people who make up a society. A society is defined as, ‘a group of people who live within the same territory and share a common culture’ (Sociology, The Core). Their social structure (more-or-less recurrent and stable patterns) are disrupted and people are displaced when homes, towns, villages are destroyed.

Culture refers to ‘the social heritage of a people, learned patterns for thinking, feeling and acting that are passed from one generation to the next. It includes ‘non-material’ culture, (the abstract creations like values, beliefs, symbols, norms, customs) and the ‘material’ culture which refers to the ‘physical’ artifacts and objects’.

Surviving Causes behind Violence

The urge and need, for self-preservation kicks in, and people will flee the conflict zone. They will enter a new nation seeking asylum and refuge. They will learn to add a new ‘culture‘ to their own. Where does one go when getting attacked in their own homelands?

The armed conflict zones, even in peaceful zones,can affect society and culture especially if ‘ethnocentrism‘ (judge the behavior of other groups by the standards of one’s OWN group) is the driving force to perceive others as an object of loathing, strangeness, evil and danger. It is one of three ingredients that arise from apathy towards the acts of racism.

One barrier may be ‘language‘. It is considered one of Man’s greatest ‘symbols‘ since it is ‘a socially structured system of sound patterns with specific and arbitrary meanings’. Language is the ‘cornerstone‘ of every culture around the world and PRINCIPLE means by which human beings create culture and share it from generation to generation.

silent pleas for help
pleas for help ignored

Why does Conflict exist?

Perspectives on reasons that conflict exists may differ, such as :

i) failure to give minorities full equality, wastes valuable human resources, generates ethnic hostilities, reduces economic production and undermines authority. Similar behaviors of abusers upon their ‘victims‘ and/or tyrants with government powers.

ii) A study of dominant group policies has revealed that a dominant nation ‘developed six types of policies: assimilation, pluralism, legal protection of minorities, population transfer, continued subjugation, and extermination‘(George E.Simpson and J.Milton Yinger, 1972). The minorities are kept ‘in their place‘- subservient, vulnerable and exploitable.

Long-term Effects of Violence

The long term effects of conflict zones have been studied since the First World war. Many names have been applied and today, a common term is Post Traumatic Stress Disorder (PTSD) and is used to describe the psychological impact of a traumatic event for an individual.

PTSD is a form of anxiety arising from a stressful or frightening event. Causes can be from natural disasters, criminal violence, lawful violence, s. assault, serious physical beating, and military combat.

Prolonged deprivation (such as experienced by concentration camp survivors) may scar people psychologically for Life. Other symptoms may include recurring memories, sense of personal isolation, disturbed sleep and concentration, deadpan emotions, awkward socialization skills, depression, irritability. These symptoms may show immediately or months later aka ‘delayed‘ reaction.

stop violence signage
Stop Violence message

Research, New world, and Healing

The World Health Organization (WHO) has reported that ‘10% of the people who experience traumatic events will have serious mental health problems and another 10% will develop behavior that will hinder their ability to function effectively‘. It is a tragic consequence of living through conflict upon any Human regardless of age.

Research has found that rehabilitation can be gained with positive new life experiences, psychological support, religious and cultural practices. If we can provide opportunity to fulfill Maslow’s Hierarchy of needs: physiological (water, food, air), safety and security (shelter), love and belonging (family, friends, community), self-esteem (positive new experiences, hope, joy), self-actualization (conscious of others, able to help others), rehabilitation and recovery can be attained.

People accessing help are found to be resilient and find recovery. WHO and the UN continue their research for improving and providing continual help in this area.

Racism in Canada

Did you know that 2/3 of the Indigenous population of N America, were wiped out by the early colonists and pride abounds, in that extreme act? Remember the little child, so happy beyond words? Well, 1950’s to today, First Nation children have been systematically and regularly ‘apprehended‘ and removed, from their FN communities and families.

Adult children of the 60’s Scoop have literally ‘lived‘ the EXACT same conditions and experiences, as the terrified refugee’s (arriving on our shores) but, in government care supported by the Childrens Aid Society, in their own homelands, Canada. Do you think that’s truly fair to do, upon a People? a Child? in exchange for money?

Learning in Action

Related Reading

Racism Can Cause PTSD Similar To That Of Soldiers After War

Post-Traumatic Stress Disorder (PTSD)

FREE Download, UN Declaration of Human Rights

What is PTSD and What can we do about it?

I hope you found this article informative and gained some new insight. Please feel free to share your new found knowledge with others. Use the ‘Ask a Question’ form to make a request on a topic of your own interest. I hope you visit again for more informative articles coming soon.

 AIC| An Informal Cornr, all rights reserved. Ginsense writes articles on business skills, development, health, science, technology and society and enjoys advocating for independence, security and a better world for all of us. She works as a VEA to help businesses operate more effectively.

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