A House with Cracks

Filed under:Home Improvement Center — posted on December 14, 2007 @ 11:28 pm

You look up at the ceiling and there’s a crack. You walk to another room, and another crack maps its way around the doorframe. Then you see up and down cracks, and cracks that are sideways. Your first thought is foundation problems. Then you instantly think the correction is piers. But cracks can indicate much more, such as a slab leak. Or, it can be less - a simple settling crack. And better yet, simple yard maintenance might correct some of the foundation issues.

Before you jump to conclusions, first notify your insurance provider. “It’s amazing how many homeowners call a foundation company before the insurance company,” says Todd Stephens, vice president of JS Engineering. “There’re necessary steps to take in evaluating a problem before deciding that the foundation needs repairing.”

After an insurance claim is filed, the insurance company will send an adjuster to photograph and look at the damage. According to the information on the report, then the insurance provider will decided what licensed professionals to send to the home. If there is a plumbing leak suspected, then a leak locating service will test and isolate any suspected leaks. If no leaks are found, the claim is ended at this point, and the homeowner can do what he feels necessary.

In many states, insurance companies investigate foundation concerns due to an “accidental discharge of water.” This includes water leaking from the sewer system, water system, bathtub and shower drains, and the sprinkler lines next to the house. All of these will be tested as part of the forensic investigation at no cost to the homeowner.

If there is a leak indicated during the plumbing test, the insurance company contacts an engineering firm to perform further testing. There is a misconception that the engineering firm works directly for the insurance company. This is incorrect. The company is employed by the insurance provider and acts as an unbiased third party. “We record data and base our opinions on the data and on the statements by the homeowner solely,” says Stephens. “We do not get involved on the insurance coverage side of the investigation - that is between the homeowner and the insurance company. We do our job, and the end result doesn’t effect the engineering firm.”

During the structural investigation the house is measured and drawn to scale. Then floor elevations are measured. An interior and exterior site inspection is performed with photographs. A crack inventory is made and the residential history is discussed with the homeowner. “These are the pieces of the puzzle that help us determine whether or not the plumbing leak caused any structural damage,” says Stephens.

After the investigation is complete and a report is submitted to the insurance company, the insurance adjuster will typically meet with the homeowner and discuss the findings.
This entire process usually takes 30 to 45 days from start to finish. The homeowner receives the original copy of the report for his records.
The report includes recommendations on how to correct and stabilize the foundation, whether it is from foundation repair from the insurance company or a lawn maintenance program - such as sprinkler system or root barriers.

Many homeowners are surprised at the extent of the investigations performed at no cost. The only cost incurred by the homeowner is the deductible that is often paid during the plumbing repairs, following the completion of the structural inspection.

Homeowners need to be aware of the time needed for inspections and repairs. Therefore, if you are considering listing your home for sale, these issues need to be tended to before putting the home on the market. Give yourself at least 60 to 90 days to check foundation or plumbing issues in your home.

So the next time you see sheetrock cracks, get prepared. Structural cracks are a good indication that there’s possibly a problem with your home.

Helena Hill is a Dallas real estate broker and a contributor to the
Flower Mound Homes Weblog.

The Leadership Vacuum

Filed under:Management & More — posted on @ 10:22 pm

In today’s fast moving, ever changing, and highly competitive world there is a vacuum of leadership. More than ever our government, businesses, religious organizations, and our educational institutions need leaders.

This crisis has arisen in part because of the end of the industrial age. With the coming of the information age that we are now living in, many of our institutions have been reinvented. Life is therefore uncertain for many people, which makes leadership much more risky.

With the coming of the information age the internet has connected the world together like never before. This new way of communication and doing business has brought change in a whirlwind fashion that has never been seen in history. Yet in the midst of all this change that has supposedly brought the world closer together, never have so many people felt so isolated from one another, disconnected from their roots, and unsure of their future.

This feeling of isolation for so many people has happened in large part because, as the world becomes more virtual, the skill of human relations is quickly becoming lost. Thus, never before has the skill of human relations been more valuable. In the near future, almost every person will have an e-mail address and every business will have a Web site. The only way you will be able to differentiate yourself and your business is by becoming exceptionally skilled at leading and persuading others.

In the industrial age of hierarchal organizations, big government, and traditional families the need for leadership was evident. We knew what the rules were and we needed the leaders to hold us to those rules. However, in the information age of internet based businesses, two career families, and the increasing irrelevance of government we no longer have a clear set of rules to follow. What’s more, the command and control leaders that try to hold people to seemingly arbitrary rules, are no longer successful.

What’s needed today are the type of leaders who can inspire and motivate others within this virtual world, while never loosing sight of the timeless leadership principles that never change.

An effective leader must be flexible and adaptable. A servant and not a slave to his or her partners. A distributor of power who is trustworthy, tough, and decisive.

The good news is, leadership is a skill that can be learned. While some leaders are born, everyone has the potential to become an effective leader. There is no one way to lead and there is no one personality type. Some leaders are quiet, and others are loud. Some are funny, and others are serious. And some leaders are tough, while others are gentle.

To become an effective leader you first have to ask yourself what personal characteristics you have that can be turned into qualities of leadership. Maybe you pride yourself on your persistence, on your finely honed logical mind, on your good imagination or creativity, or on your values. You have to work with what you have.

There are certain qualities that all true leaders have, and one of the most important is a vision of a better future. They try to make their vision, into the form of a dream, mission, or a goal. Leaders, because they rely heavily on other people are excellent at motivating other people. They never play off being a boss or being in an authoritative position, because they’re excited about the future and they want to share that vision. They don’t blame others for having a lack of vision, they blame themselves, not the people around them.

Leaders believe that each person is valuable, able, and responsible. Real leaders see leadership as a process for empowering people to see themselves is positive ways, as competent, productive, and important. They recognize the potential in others that mere mangers miss because the leaders are looking for it. They come into leadership roles knowing that empowerment is part of the political process that’s overlooked and under-used.

Leaders make good politics fashionable. Put all of your efforts into finding out what people see, and work to change that. If you do, you’ll have taken a giant step along the continuum toward positive politics. They view themselves favorably as valuable, contributing team members, not managers. The see a field of political equals, not subordinates to be dealt with.

Leaders expect to be role models, and they deliberately model the behaviors they want to adopt. What do others see? Do they see you behaving in ways you want them to copy? They know the Golden Rule is good business. Leaders treat people as they expect to be treated. They model the respect they expect in all personal and professional interactions with others.

Leaders recognize that each person has untapped skills that can be harnessed to achieve organizational goals, and at a profit. A leader must have the courage to look for hidden abilities, including those others managers have written off. Leaders do this by observing, monitoring, and most important, listening. They know they do not have to beat up on everyone to have it known that they are important. They greet people. They ask about families. They listen.

Leaders are aware that it’s not only what’s said but also how it’s presented that empowers people to be successful. Leaders are aware that each action has a consequence. They know that encouraging people to make work-related choices promotes independence. Independence results in job ownership and a sense of responsibility for productive quality.

Leaders consistently behave in positive and trusting ways. They never compromise their personal value systems, yet they recognize cultural diversity and respect differences among people. They empower people across the board. This means they don’t play favorites. Be fair, regardless of your personal feelings, and be seen and acknowledged as fair and even-handed.

Effective leaders do not start out their day with the question, “What do I want?” They start out by asking, “What needs to be done?” Then they ask, “What can and should I do to make a difference?”

They constantly ask, “What is the organization’s mission and what are it’s goals? What constitutes performance and results?” They tolerate diversity in people; they don’t look for clones of themselves. It rarely occurs to them to ask, “Do I like or dislike this person?” But they are intolerant when it comes to a person’s performance, standards, and values. And they are not afraid of strength in their associates. They relish in it.

In one way or another all effective leaders submit themselves to the “mirror test”: They make sure the person they see in the morning is the kind of person they want to be, respect, and believe in. This keeps them from doing things that are popular rather then right, and it keeps them from doing mean, petty, or sleazy things as well.

What leadership comes down to is that true leaders always behave like a leader, whether they make the right decisions or whether they make the wrong decisions because of their own mistakes. Leadership, ultimately, is less a matter of what you do than who you are. What you do may vary from day to day, but who you are should remain steadfast and unchanging.

It’s increasingly clear that drugs, gangs, illiteracy, poverty, crime, and the breakdown of the traditional family, put every aspect of society at risk. Leaders of the future realize, further, that government and social groups aren’t going to solve these problems. It’s not their fault; they need a broader network of helping hands. Everyone thus needs a sense of responsibility and stewardship for the community.

We also need to develop a similar sense of responsibility in young people. Begin by becoming a role model for your family. Are you serving the community in some way? Are you working to understand community problems to see how you can help solve them? Are you organizing service opportunities for the entire family?

Create a vision for a better society and help bring it to life!

Copyright© 2005 by Joe Love and JLM & Associates, Inc. All rights reserved worldwide.

EzineArticles Expert Author Joe Love

Joe Love draws on his 25 years of experience helping both individuals and companies build their businesses, increase profits, and achieve total success. He is the founder and CEO of JLM & Associates, a consulting and training organization, specializing in personal and business development. Through his seminars and lectures, Joe Love addresses thousands of men and women each year, including the executives and staffs of many of America’s largest corporations, on the subjects of leadership, self-esteem, goals, achievement, and success psychology.

Reach Joe at: joe@jlmandassociates.com

Read more articles and newsletters at: http://www.jlmandassociates.com

Beyond Flash Card : How To Do The Infant Visual Stimulation In Fun And Creative Ways

Filed under:Cute Kids — posted on @ 10:31 am

Babies learn about the environment surrounding them through five
senses: vision, hearing, touching, smelling and tasting. Of those five
senses, vision is the least developed sense a baby has at birth.

Therefore, it is important for parents to help their babies to ‘perfect’ their
vision during the first few months of their baby’s life.

Babies who do not receive adequate visual stimulation may never get good vision. Or
they may develop it slowly. In contrast, babies who are stimulated
develop good vision faster. Having a good vision early is important since this will put the baby in a
competitive edge. Why ? Because vision provides the baseline of
other area of development. It enhances curiosity, attentiveness, concentration and most importantly, cements bonding between parents and the baby.

So, what can a parent do to help perfect their baby’s vision?
Parents can accelerate and optimize the development of their babies’ vision
by providing a variety of visual input. When a baby receives visual stimulation, the vision-related nerve
cells , which initially are not well connected, start
to form a lot of connection with other nerve cells. This will finally make the baby’s eyes
to thrive, enabling the baby to see better.

Newborn baby.

First, let’s see what the research says. Research has found that
newborn’s eyes register contrasting color such as white, black and red the best. So the best way to
stimulate your baby’s eyes is by exposing your baby to as much dark and
light as possible.

Try these following activities:


  • Show your baby light and dark contrasting toys including the ones attached to the baby mobiles, wrist rattles and other educational baby toys.
  • Show books with pictures which have contrasting colors.
  • And if you don’t mind to go a bit overboard, surround your baby with objects which have contrasting colors. These may include: bedding, play area and even yourself. Yes, you can actually wear shirts with stripes when tending your baby.

But wait, research has also shown that newborn can only focus their eyes on objects between 8-12 inches away from them. Therefore, try to stay within that boundary when you interact with your baby.

Beyond newborn.

Around 2 months, your baby will be able to move from highly contrasting colors to bright bold colors. Your baby will also enjoy faces and is ready to see a moving object in addition to the stationary one.

Here are some activities to try:

  • Activity with the play gym or baby mobiles: place your baby on her back and put the play gym or baby mobile on her. Move the toys like a pendulum.
  • Activity with rattle or other objects: move the baby rattle from left to right, or up and down.
  • Mirror: show your baby her face. Enhance this activity by pointing her facial features and talk about them.

When your baby’s around 5 months, train your baby’s eyes to focus even more.

These following exercises will assist your baby to develop concentration and enhance the curiousity .


  • Play the peekaboo with your baby.
  • Play with a yo yo and encourage your baby to see the yo yo movement.
  • Dribble or throw a ball. Encourage your baby to follow the ball’s movement. .
  • Follow-a-spool activity: roll a spool of thread towards your baby and then move it to the opposite direction (i.e. farther from her). Let your baby’s eyes follow the movement.
  • Put a little ball or marble inside a big bowl. Tilt the bowl and move it around, so that the ball moves around the bowl. Show this to your baby and let your baby’s eyes follow the movement.
  • Play a simple hide and seek game with your baby.

If your baby has been properly visually stimulated, by 8 months, your baby should have completed her visual development and has a good vision.

Dian Dewi is a mom and webmaster of Best Child Toys , a website which provides guidance on how to choose toys which are fun, safe and educational. This website also contains tips on how to use toys to maximize child’s development. The baby section of this website provides information on choosing educational baby toys and how to use them effectively.

Carpal Tunnel Syndrome - Damaging US Economy

Filed under:Hall Of Medical Resources — posted on @ 9:40 am

Repetitive strain injuries (RSI’s) like carpal tunnel syndrome (CTS) are costing consumers, private business and insurance companies more than $100 billion in lost revenue each year.

According to The Agency for Health Care Policy and Research , ” Musculoskeletal disorders are the country’s most costly category of workplace injuries and illnesses. In addition to spending $20 billion annually on workers’ compensation costs due to RSIs (Like Carpal tunnel syndrome), the U.S. spends another $100 billion on lost productivity, employee turnover, and other indirect expenses.

The goal of every private business and insurance company should be to cut costs, and this goal can only be met when carpal tunnel syndrome and other “tunnel syndrome” disorders are addressed in a scope of “prevention” rather than after the fact and have to address the injury through “rehabilitation” methods. Rehabilitation costs to businesses and insurance companies are much greater than costs associated with prevention, and has an even higher toll on the individual afflicted with the disorder (carpal tunnel) in terms of both psychological and physical damages.

The key to cutting costs associated with CTS and RSI’s is “prevention”, which can be achieved through a variety of methods. By implementing the methods listed below, overall costs can be reduced dramatically and optimum health and productivity of the individual can be maintained.

Job Rotation: Individuals that rotate tasks, including the amount of force they utilize for each task and the amount of time each task is performed reveals a great reduction in the level of carpal tunnel syndrome and other repetitive strain injuries.

Stretch / Exercise Breaks: Taking a short break every 30-45 minutes is key to reducing the onset of repetitive strain injuries like carpal tunnel syndrome. The most important prevention element on this list is to perform appropriate exercises and stretches to improve circulation and keep the muscles in tune and balanced. (For a good list of stretches and exercises, speak to the employee health director or to a certified therapist)

Workstation: Operating in the correct environment is “key” to reducing the possibility of getting carpal tunnel syndrome. Proper seating, a good keyboard, computer screen, mouse, desk set-up, positioning, etc. is critical to reducing the amount of strain experienced on a daily basis.

Tools: When using tools for assembly and construction, you must be sure that they are properly designed to fit you, not someone else.

To save as much money as possible for everyone involved, it is wise to implement as many of the elements listed above. By addressing all angles conceivable, the chances of an injury reduce dramatically and workers stay healthy. When workers are healthy, productivity and output increase, reducing healthcare costs and increasing the bottom line for all.

Jeff Anliker, LMT, is a Therapist and Inventor of Therapeutic Exercise Products that are utilized by Corporations, Consumers and Medical Facilities around the world for the prevention and rehabilitation of repetitive strain injuries. repetitive-strain.com

Patio Umbrellas

Filed under:A Life Of Leisure — posted on @ 9:27 am

Staying cool on the patio.

Nothing is more uncomfortable for you guests than to sit on a
hot concrete patio without any shade available. A good quality
patio umbrella helps block the sun and provide shade to offer a
cooler environment in hot months. Not only are umbrellas
practical, but they provide privacy and elegance to any outdoor
seating arrangement. Patio umbrellas are now made with many
unique features. Some beach umbrellas are designed for maximum
wind resistance.

There are several types of patio umbrellas to choose from
depending on your location. For typically patio or pool side
seating, a good choice is an aluminum crank patio umbrella. They
range in size from 7 to 10 feet and can be ordered in a variety
colors and patterns.

Beach seating requires a more heavy duty umbrella that can
withstand the elements. Beach umbrellas are typically made of
fiberglass and are built to withstand high winds, bright sun,
and salt air.

Patio umbrellas are also available as part of a patio table set.
These types are great for eating or picnic areas. They can seat
large groups of people and are also stain resistant, so clean up
is easy.

Another way to dress up your patio with umbrellas is to order a
custom design patio umbrella. Some can be built to look like a
palm tree umbrella, which is provides great atmosphere for any
beach or tropical resort. Also consider a patio umbrella that is
lined with small twinkle lights, which give a romantic
atmosphere for evening patio parties. Umbrellas can be lit up to
make it look like a night sky canopy.