Some people are confused of the home insurance due to wide variety of factors. Among the factors are the following and some ways also to get discount.
Location of the house- how far is the house locates from fire department or the hydrants.
The construction material used in the house- either concrete, wood, etc
Contents of the house- insuring as well the contents of your house such as electronics, jewelry, antiques, painting, etc
Age of the house or home- Usually the house under 10 years have a discounts and mostly when it is over 40 years, but have been updated such as doing some repair then insurance companies will give discount.
Safety device system- installed in your house such as sprinklers, smoke detector, dead bolt lock, burglar alarm, etc.
Senior Citizen- when the homeowner is 65 above, then he/she can get discount from his/her home insurance
Home and Auto combination of the insurance policy with the same insurance company
One thing what is important in homeowner insurance is that the premium is going to be based on the replacement value, the cost to reconstruct the home if it were totally loss not as what your purchase price. If ever the value of the house is low that is due to the claims filed and condition of your home in which the proximity or location is in high risk zone in terms of weather. Location that is near the water, high wind area, brush fire zone, and others insurance companies rate that as high risk.If ever you have knowledge on how to calculate the premium then that is more advantage to your part and at least you can work on the factors which can decrease the premium amount as well as eliminate expenses for your home insurance plans where you can save money.Actually the typical home insurance premium policy is by state where in some area you find construction cost is higher in most populated areas and some areas are underestimated. So when you do compare the insurance company, be sure it is all in your area since factors driving premiums vary mostly across the country.Purchase the insurance with the coverage you most need and do not purchase coverage which you think is not necessary for your home. Lowering your premium is by being practical and as homeowners; you should maintain high safety level from any unforeseen hazards, like other unforeseen potential liabilities.Try to review your policy at least twice or thrice a year just to make sure you are adequately covered and as well qualified for all available discounts. Do some shopping on home insurance once a year even you are satisfied with your home insurance provider. It is necessary to upgrade your knowledge or idea in terms of your policy.Always be aware that if you happen to choose the high deductible for your home insurance, then you will have lower premium rates but if ever you avail the lower deductible, then for sure your premium rates will be higher.As homeowner, having an investment that will last for lifetime like home, you need to choose a home insurance coverage which you think is best for your home. Always shop to compare the rates, coverage and other benefits you can get for your home insurance.
With any of the popular jobs from home ideas, branding yourself should be an important consideration. Branding involves making a name for yourself so that you are well known throughout the virtual community. This will help you become successful in a number of ways.With any of the popular work from home ideas, branding yourself should be an important consideration. Branding involves making a name for yourself so that you are well known throughout the virtual community. This will help you become successful in a number of ways.As you begin to brand yourself in your job from home, others will get used to seeing your name all over the World Wide Web. This helps to establish credibility. People will become comfortable with listening to you and trusting that you know your stuff. Forums are among the top locations that you should try to brand yourself, because a lot of people visit these in order to get advice. If you were promoting a product that could solve their problems and were trustworthy, it would be much easier to sell the item rather than if you were just some average Joe visiting the site for the first time.It can take a while to properly make a brand for yourself in most work from home ideas, but it is not too difficult. You basically just need to spread yourself around so that you expose your work to as many people as possible. One of the first ways to begin with the branding is to create a blog. This should be continually updated, as the search engines love fresh content. Visitors to your site will be able to subscribe to your feeds which will notify them each time you create a new post. If you brand yourself well, you will soon have a decent following of your blog.It is important that you jobs toward branding yourself, and not the jobs from home ideas that you choose to pursue. Things change on the internet on a daily basis, and what is successful for many one day may not be the best venture the next. If you build up a business name and then it falls, no one will be able to connect your personal name with the venture you were involved with. Therefore, it is important that you brand yourself as an individual separate from any products or endeavors you pursue.Branding yourself allows you to become an expert in the field you are in. For example, there are many web marketers who are followed and admired for the success they have earned. If they had kept their personal identities in the dark, there is no way they would have become successful. These people are guaranteed to make thousands of dollars releasing a product, whether it is good or not. People have a certain vision of this person once they have become an expert in their jobs from home ideas, and will listen to whatever they have to say.As you can see, it is vital to brand yourself if you want to be successful on the internet. It can be as simple as starting a blog and offering solid information to your readers. Posting around at other places online, such as article directories and forums will increase your exposure, allowing others to see you expertise within the niche.
How to correctly price a product has always been a bit of a black art for most product managers. The goal is to not price a product so high that nobody is willing to buy it, while at the same time not pricing it so low that you end up leaving money on the table. It turns out that the correct way to price a product has to do with its parts, not with its cost…What Do Your Customers Value?Pricing for a product comes down to two things: what are your customers willing to pay for the product and how satisfied will they be with the amount that they ended up paying for it? In order to create a price that will meet both of these customer expectations, product managers need to find the best way to present their product’s benefits to their customers.This is where the problems first show up. All too often product managers spend their time (often at the request of their senior management) focusing on the cost of their product when instead they should be worried about communicating the product’s benefits.The correct way to go about pricing your product is to view it not as a complete product, but rather as a collection of components (product, accessories, support, configuration options, documentation, etc.). Each component does not have the same value to your customer. This means that product managers need to take the time to carefully price each component so that it closely matches the value that the customer places on that particular component.What Customer Pricing Experiments ShowResearchers Dr. Rebecca Hamilton and Dr. Joydeep Srivastava have studied how customers value different components of a product. They used auto repairs as the product that was being offered and they identified three different components of this product: parts, labor, and shipping (of the parts).In their studies, the researchers discovered that customers valued parts more than labor, and parts more than shipping. The take-away from this research was that customers assigned a higher price to those things that they viewed as providing them with a higher benefit.An important lesson for product managers came from the second part of the researcher’s study. Here they dropped the price for labor to nothing. That made customers nervous – somewhat surprisingly they preferred to pay at least something for this component. Clearly, dropping the price of a product’s component below an accepted threshold doesn’t make the product more attractive – it actually makes it less attractive.Three GuidelinesThe end result of the studies were the creation of three guidelines for product managers who are getting ready to price their products:It’s All About Needs: Product managers need to make sure that they fully understand their customer’s needs. If your car battery needs to be replaced, you will be willing to visit a store and pay full price for a new battery and a big discount on the motor oil that you’ll need later instead of visiting another store that can offer you a small discount on both.
Bundles Work: The researchers found that product managers who can combine both high-value and low value components together in packages do the best. They also caution that a product manager should only take the step of offering low-value components for free if that is what the current market will allow.
Value Is In The Eye Of The Beholder: If a product that you are responsible for has a benefit that you think that customers should be placing a greater value on, then it is the responsibility of the product manager to do something about it. Specifically, you need to find ways to clearly communicate the value of that component to your customer in order to boost its value.What All Of This Means For YouIn the end, what your customers are going to be willing to pay for your product is going to depend on how valuable they view it as being. Product managers need to understand that their customers don’t see their product as a blob, instead they see it as a collection of multiple components that they place different values on.In order to price a product correctly, product managers need to break their product up into the components that their customers see. Then those components need to be matched to your customer’s goals – what do they really value? Finally, high and low benefit components can be grouped together in order to boost your customer’s willingness to pay for the product.Nobody ever said that pricing a product correctly was going to be easy. However, taking the time to understand how your customer views your product and the value that they put on the different components of your product is the key to doing pricing correctly. Get this right, and you’ll have found the secret to being a successful product manager!
I’m pretty sure that by now just about everyone out there has heard about Facebook. Facebook is the largest social networking platform going these days. What a lot of us may not know about is the fact Facebook employs a lot of product managers whose job it is to help customers advertise on Facebook. This job is a little bit different from the typical product manager job, but perhaps we can all learn something from them…What Makes Facebook Advertising So Popular?Let’s be frank here – Facebook is very, very popular. Facebook is the world’s largest social network – they currently have 1.3 billion users. In the U.S., 1 out of ever 6 minutes spent online was spent on Facebook. 1 out of every 5 minutes of mobile usage was spent on Facebook. Clearly the Facebook product managers have got their product development definition right and have a real winner on their hands.However, Facebook is now attempting to make their product more appealing to advertisers. Facebook first started selling ads on its site 10 years ago. Facebook is competing with Google who delivers ads that match what people are currently looking for and TV which can reach a mass audience. Facebook product managers claim that they can both reach exactly the right audience and then measure what they do once they’ve gotten the message.No, Facebook is not going to be replacing TV advertising. However, it is starting to look like there might be a role for it to help advertisers to achieve their goals. Not only is Facebook really, really big, but they also have the ability to achieve a very personal engagement with the people that the advertisers are trying to sell to.How Are Facebook Ads Created?The Facebook product managers understand that their advertiser’s customers, Facebook users, are being overwhelmed with ads already. In order for a Facebook ad to be effective, it’s going to have to be able to capture the attention of the end user when they see it. If the product managers can figure out how to do this correctly, then they’ll something else to add to their product manager resume.This kind of product creation process is very hard to do. The Facebook product managers realize it and so they bring together a lot of people in what they call “publishing garages”. These are multi-day meetings in which ideas are kicked around and the goals for an advertising campaign are hashed out. The final outcome of one of these meetings will be the ads that will be run on Facebook.In order to successfully create a product that will achieve the client’s results, the Facebook product managers create model customers in order to understand what they are looking for. Using Facebook’s immense collection of user data, they can then display the ads only for people who have shown an interest in products or topics that are similar to what is being sold. The final step is to agree with the customer on exactly what subset of Facebook’s users the new ad(s) should be matched with.What Does All Of This Mean For You?The product managers at Facebook have a real challenge on their hands. They are part of a very popular company; however, they now need to convince advertisers that spending money to advertise on Facebook is worth their time. I’m willing to bet that this was never a part of their product manager job description. As with all such new things, this can be a real challenge.The one thing that Facebook can offer to advertisers that really seems to capture their attention is the ability to target their ads. TV is a great way to reach the masses, but Facebook allows advertisers to become a lot more selective. Facebook creates ads by having their product managers assemble “publishing garages” where all of the customer’s and Facebook’s players can come together to plan out how to create just the right advertisement.As product managers we can learn from what the Facebook product managers are trying to accomplish. When we are faced with customers who are interested in our product, but who may be doubtful that it can solve their problem, we should take the time to relate it to what they do know.Facebook does this by comparing themselves to television. When it comes time to determine how our customers can use our product, we need to take the time to meet with all of the right players. Only by designing a solution that works for them will we be able to make sure that they’ll have the best product experience. Perhaps if we can do all of this, we’ll be as successful as Facebook is!
A lesser-encountered problem male orgasm denial and the male chastity lifestyle is how can single men benefit from them, too?As you’ll probably already be aware, the two biggest groups of people who seek information on male chastity are men and women already in relationships who are searching for information on what male orgasm denial really entails and how to get started with it.And then there’s a smaller but still reasonably large group of young men, often in their late teens or early twenties who feel their constant arousal and consequent masturbation habits have got out of hand (forgive the pun), and find it’s depleting their energy, reducing their drive to go out and find a real partner and generally having a negative impact on their sex-lives as single men.Their interest in the male chastity lifestyle tends to be skewed towards the fact it’s simply a way to ensure male orgasm denial and control, and give them more energy for other things rather than the usual reasons of improving a relationship or marriage in a number of different areas.But there’s another group I’d like to help with this article: single men who would love to live the lifestyle but who despair of ever finding a partner who shares the same interest.On the face of it, it’s easy to see why these men feel the situation is hopeless. After all, finding a partner for a loving relationship is difficult enough as it is without the added complication of having to find one who shares your particular interest in male orgasm denial and living the male chastity lifestyle.Even if you frequent the BDSM scene, you’ll quickly come to find, just as with almost every other social scene, get to a certain age and everyone around you is already in a relationship.So, what’s a single man to do?Well, my answer may surprise you, and on first reading you’re likely to find it quite scary. But bear with me, and you’ll see it makes perfect sense.First, if you’ve read my other articles on the subject, you’ll realise the key to making it work for both of you is clear, open and honest communication. That’s why when men (and it usually is men) ask me about how to begin the process of introducing male orgasm denial and the male chastity lifestyle into their relationship, I tell them the most important thing is to be clear about exactly what it is you want from it.I know this simple and not always easy, but there’s no sensible alternative or substitute.And a moment’s thought shows us it’s actually made harder because we’re introducing something new into an established relationship, and there’s no doubt that can be both difficult and scary. There’s always the fear that your partner is going to freak out and think you’re some kind of weirdo (I have never known it to happen to that extreme, but I know from my own experience when John introduced it to me, that it can be something of a surprise and a shock).So from that point of view, single men have an easier job of things, because they are in a perfect position to begin the relationship with the desired outcome of male orgasm denial and a male chastity lifestyle.Now, I’m not suggesting you change your style of approaching women to one where the first thing out of your mouth is “Hi, I’, Fred, and I like to be locked in a chastity belt”. I suspect that while that will get you results, they won’t be the ones you’re looking for.But what you can do early on is make sure you communicate openly and honestly about your preferences. Look, I know this is hard, and before you have this kind of conversation, it’s best if there’s already been some physical intimacy between you. The trick is to subtly act the part and lead her into the lifestyle naturally by your combined actions rather than as making some big deal of it (the bigger deal YOU make of male chastity and male orgasm denial, the bigger deal SHE will make of them, that I promise).And if you’re feeling really brave and you want to maximise your chances of success, I heartily recommend Internet dating. Don’t laugh. That’s how I met John, and we’re a showcase success story.And when I think back, although John didn’t overtly bring up his kink, the signs were there so he knew I wasn’t averse to the principles of male chastity and male orgasm denial in practice even if the theory was new to me.There’s no need and probably no mileage in posting your preferences on your “profile”, but there is every reason to bring it up at an early stage, using any one of the numerous strategies I have written a about in articles and on my Blog.Besides, if you look around you’ll see there are numerous niche dating websites where your posting your deepest, darkest and most bizarre fantasies on your profile is not only OK, but is expected of you.Isn’t Internet dating a bit “sad”? Not in the least.Because the beauty of Internet dating is you get to make a shopping list – and there’s absolutely no reason on Earth not to ask for what you want and to reject anyone who won’t give it to you. You don’t have to settle for beginning a relationship that doesn’t offer exactly what you want.To Sum UpFor some men, and you might be one of them, male chastity and male orgasm denial are a burning desire that simply won’t go away. You might push them away from time to time and they’ll disappear into the background for a while.But they always return. And they always will.You are entitled to want what you want, and you’re perfectly entitled to accept into your life only those who’ll give it to you. Of course, they’re free to decline and choose someone else, but that’s OK, too.The point is, only by being clear, open and honest about your desires early in your new relationship will you know if you have a chance of living your dream before you spend a lot of time and emotional energy getting close to someone who in the long run doesn’t want what you want.
“A house is made of walls and beams; a home is built with love and dreams.”Now converting your home into your dream mansion is very easy. All you need is lots of love, little creativity and the required sum of money to finance your home improvement project. And if you are worried about how to arrange for the finance, then one home improvement loan would do just fine.Home improvement loans are just about ideal to meet the various needs that a person faces while improving the look and feel of his home. The home improvement can be of varied nature. Probably you want to get something repaired, build an extension to your house, opt for some cosmetic changes or simply change the interior decoration of your home. There are different financial expenses involved in different kinds of home improvement. Plus, if you want to employ the expert advice of an interior decorator, that you be an additional cost.Lenders in UK have different plans available under the category of home improvement loans. Different plans are designed to suit the requirement of any kind of home improvement project. These loans are also made keeping into consideration the varied needs and financial background of different kinds of borrowers.You can get your home improvement loan [http://www.apply-4-loans.co.uk/home-improvement-loans.html] easily by searching online. This saves you the trouble of physical exertion and also gets you a good loan plan within minutes. Plus, you can compare loans and offers in order to find a suitable deal from among a wider range of options.There are both secured and unsecured home improvement loans. The basic difference is that in secured home improvement loans, you need to place a security with the lender, which is usually your home.But if you do not own a home, or do not want to risk it, you can always go for an unsecured loan. Although the rates are higher in this kind of loan when compared to secured loans, this is risk-free. Also, you can avail unsecured loan if you need to borrow only a small sum of money.
Phen24 is a 24 hour based weight loss supplement. It is an all-natural 2-in-1 supplement that uses a unique approach of different day and night formulations to help individuals lose weight.The regular use of Phen24 Day (the Day formulation) helps your body to increase its metabolism and suppress your appetite during the daytime. Phen24 Night (the Night formulation) promotes sound sleep and reduces evening cravings.The reasoning for the double formula is that weight loss is a continuous process that takes place both during the day and also at night. The processes involved are however different in both cases.Consequently, the daytime and nighttime capsules of Phen24 are created using different formulas containing high quality and natural ingredients. Their combined effect helps to put the body in an optimum position to experience weight loss on a 24-hour basis.This 24/7 approach by Phen24 makes the process of losing weight much faster because the body continues to shed weight even while you are sleeping.Phen24 presents a very novel idea to weight loss compared to the approach adopted by majority of other weight loss supplements which are intended for use only during the day.What You Should Know About Phen24!This weight loss supplement comes with two different pills which contains different formulas. One set is to be used in the morning and the other at night. Therefore, Phen24 works in two different ways.Taking one capsule of Phen24 Day before breakfast helps to kick-start your metabolism for the day. Two capsules of the stimulant-free Phen24 Night are to be taken in the evening to help prevent nighttime cravings and to sleep better.The combination of these two different formulas in Phen24 helps you to effectively achieve your weight loss goals in the following important ways.The concept behind Phen24 is to stimulate the enzymes and internal bodily functions that are responsible for weight loss 24/7. The makers of Phen24 believe that sleep deprivation by and of itself can easily erode the weight loss achievements made during the daytime.To get the best result from Phen24, it is highly recommended to use both the daytime and nighttime capsules along with a healthy diet and good exercise regime. Although both capsules work in different ways, they are nonetheless complementary in function.To once again highlight the importance of having adequate sleep, it is clear that Phen24 Night has far more ingredients put into it than the Day capsule. This is because the company understands the need to follow the natural rhythms of our bodies while at the same time optimizing its weight burning properties on a 24-hours basis.Phen24 IngredientsPhen24 is optimized to work round the clock which is why it has two different capsules with different ingredient compositions.The followings are summarized details of some of the major active ingredients in Phen24.Phen24 Daytime IngredientsCaffeineHelps to reduce fatigue while increasing energy levels, alertness, and focus.Guarana ExtractA plant-based caffeine source to further increase endurance and energy levels in the body.Cayenne PowderPromotes healthy digestion, reduces appetite, increases thermogenesis, and improves metabolic rate.IodinePromotes the production of Thyroid hormone which helps to regulate metabolic rate.ManganeseA trace mineral that aids weight loss by metabolizing fats and carbohydrates.Copper SulphateAids in the processes that convert fats and fatty acids into energy.Phen24 Nighttime IngredientsGlucomannanThe main ingredient in Phen24 Night that keeps you feeling full and while reducing cravings.Chromium PicolinateHelps in the stabilization of blood sugar levels and reduce cravings.ThiamineAnother food metabolizing B-vitamin that enhances conversion of fats and carbohydrates into energy.Pyridoxine HCLEssential for the breakdown of stored glycogen for use in energy generation.Green Tea ExtractContains high levels of antioxidants and enhances energy expenditure and fat burning.Griffonia ExtractEnhances a relaxed mood, improves sleep quality, and suppresses cravings.Hops ExtractPromotes calm and relaxed feeling for falling asleep faster and sleeping more soundly.Does Phen24 Have Side Effects?Phen24 is made of all natural ingredients such as vitamins and essentials nutrients. There is no documented evidence of side effects and should not show any such effects except you are sensitive to caffeine.The caffeine content might pose an issue for those who are sensitive to stimulants. This is because we do not know the specific amount of overall caffeine in each tablet. So caution should be exercised by those who are sensitive to caffeine.It is also advisable to limit the intake of beverages that contain caffeine in order to significantly reduce any possible side effect that may occur.As usual, it is highly recommended that you consult your medical health professional before starting the use of any supplement or medication.Does Phen24 Really Work?Given the extensive ingredient profile of Phen24 and the several studies that have confirmed their various weight loss potentials, it would be highly safe to say that Phen24 does actually work.When it comes to how much weight you can lose, that will be one answer that mostly rests in your hands. Phen24 is not a “miracle pill” in any way but it can help jumpstart and keep you motivated on your weight loss journey.You will most likely start seeing results within a month or so. Usually, you will start noticing better appetite suppression, increased energy levels, and improved sleep patterns. You may be able to lose as much as 2 kilos in the first month of use.In conclusion… The ingredient profile is actually quite extensive. More importantly is the fact that the ingredients in Phsn24 have several scientific evidence backing their overall health benefits, safety, and weight loss effectiveness.However, Phen24 is not a “miracle pill.” You will need to put in the effort to get the best result from this highly rated weight loss supplement.Including it in a well-designed, sustainable diet and exercise regime will incredibly boost your chances of succeeding with your weight loss goals.
The question in the title is a very important one, and I think all of us should have this question in mind and search for a complete answer. The truth is though, that we only ask about health when we have a serious problem. A official definition of health is given by The World Health Organization who defined health in its broader sense in 1946 as “a state of complete physical, mental, and social well-being and not merely the absence of disease or infirmity”. For 1946 it was not a bad definition, but let’s face it, times have changed and life has evolved since then, so today we have 2 new aspects of health to consider: emotional health and spiritual health. If we take a step back and try to see the “big picture” we realize that each aspect of health influences the other aspects, for example if someone has an emotional problem it will cause physical problems, spiritual problems, mental problems and social problems too, so it’s very important to solve the problem when we first see it even if we don’t think that an emotional problem is important. In the incipient phase the emotional problem could be solved by simply talking to a friend, but if we let it develop it could need serious professional help. After this example I think you will want to know more about each aspect of health, so let’s see what they mean and how can we improve them.Physical health – the first thing that comes to my mind when I think about perfect physical health are babies – they are the best example because they run all around the place and use their energy until they fall asleep. If we could do the same, I’m sure we would have a better physical health. A definition of physical health would be that it is a state in which all of the organs are functioning well 100% of the time, so in order for that to happen we have to give our body good nutrients, good exercise and enough rest. It may sound too simple, but it shouldn’t be more complicated than this.Mental health – one good example for this is inventor Thomas Alva Edison, he tried and failed more thousand times to invent the light bulb, but he was strong enough mentally not to give up, and he eventually succeeded. Mental health is a state of well-being that allows you to reach your true potential and contribute to the community. It may seem strange for some of you, but actually helping others is the greatest thing that we can do and it keeps us happy and healthy, so in order to improve your mental health start by helping the people around you, I can tell you for sure that you will feel very good by doing so.Emotional health – imagine a little girl on a Christmas evening opening her presents, that for me is an example of good emotional health, because gratitude and happiness are the healthiest emotions for us. I think emotional health is about feeling good, grateful, happy and not being afraid to share these emotions with all the people we interact with. A good way to improve our social health is by doing both physical and mental exercises that we like to do, for example if you like to play tennis and chess, please do so as often as you can.Social health – the best indicator for social health is the ability to make friends. The social aspect of health is very important, because we are social beings and it’s scientifically proven that if someone is ill and their loved ones are with them, they recover faster than if they were to stay alone. A tip on how to improve your social health would be to understand the fact that “it’s nice to be important, but it’s more important to be nice”.Spiritual health – is the most important aspect of health from my perspective because it influences all aspects of our health and often it is neglected. We have to take care of our soul as well as we take care of our physical body and the best way to do this is by meditation. Please don’t be scared if you don’t know what meditation is or how you can do it, because it’s a lot easier than you think, in fact you don’t have to do anything, just stay still and silent. If you can remain still and silent for 15 minutes a day and gradually increase this interval to an hour a day, it will have a great influence on your spiritual health and on your overall health too.By now I am confident that the question: What is health? is no longer a difficult one for you. Thank you for reading this article, and please try to improve each aspect of your health now that you know how to do it.czo
INTRODUCTION:Not a day goes by there is not an article in our local paper on our local Public School System. If it is not a cry for more money, it is complaints over poor attendance, or that many local teachers are not fully qualified. While some schools are being “demoted,” others are being “promoted.” First, one thing and then another. Obviously, there is something amiss in our current approach to educating our children.Other articles in the local newspaper carry reports of the increased interests and energies being expended by the “little” people to end the imminent threat of our own government by the increasing invasion of our private rights in the name of protecting the people from inside terrorism. People are grouping at the grass roots level to petition their respective government representative, the President and members of Congress, to end these daily threats to our lives. They are sick to the bone of living in daily fear of imminently undermining the guarantees of our Constitution. We need to adhere to Franklin D. Roosevelt’s, Four Freedoms: Speech, Worship, Want and Fear.With all of this bombarding our brains, consider “holistically” the relationship of education to the many efforts of a given society to prepare its young for adult responsibilities; responsibilities of learning to control our own individual natures as well as contributing to the future of human evolution. Apparently, nearly all the fuss over our imminent demise is being conducted by adults in whom we’ve given our trust to govern and lead us. Obviously, something is wrong with this world’s political and educational systems.DISCUSSION:Some minor research will tell us that the word, “education,” derives from the joining of the Latin, “e”, meaning “out,” with the Latin word, “‘duco,” meaning to “lead” or “take out from.” Simply, it means to draw out of the pupil the inherent wisdom that lies within him or her. This word, education, has many implications given a little thought. One such implication is that the newborn brings into this world from previous incarnations a past history of acquired experiences and knowledge of the true value of things. The trouble is most educators and parental caregivers are ignorant of this fact. The newborn is flooded by the events of its immediate environment from the very moment of birth and forwards; as it grows it forgets to remember what it already knows! More people the world over believe in reincarnation than those who do not; mostly those seeped in the Judeo-Christian ideals.When formal education begins, the pupil is bombarded with facts and figures that are supposed to be memorized. And all these things being taught to the pupil are things to be grasped by the senses and are restricted to an empirically material and concrete world of so-called knowledge, whereas it is the world of Meaning that needs stressing.The current methods of education markedly contrast with a true “educational process,” as these words were originally intended. The existent model is more of a “putting into” than one of self-discovery. The students are being inculcated (from inculcare= to stamp into, or tread upon) with a body of pre-determined and quite mundane information of questionable validity, especially for the bringing into existence of a new “world order,” which the new Aquarian Age promises us. Such a new world order needs to be one based upon the ideals of world peace and the consistent application of goodwill, altruism and true brotherhood by each individual to every other individual upon this earth.The educational process must begin with an honorable and purposeful goal. It must go beyond the mere imparting of facts to be remembered to one of searching inwardly for the true meaning and causes behind the facts, which eventually should lead one to look within the self for such meaning. One anonymous educator has expressed it thusly: “Education can be an adventurous quest for the meaning of life, involving an ability to think things through.” (Emphasis added).The goal of education should be to promote the full self-realization and potential of every student; to encourage the goal of the person’s ultimate relationship with the universe, as stressed by Abe Maslow; that noted psychologist who died before his time. Self-centeredness must be transcended so the person develops a realization of his position relative to the whole of existence. To properly teach is to draw out of every student the potential wisdom which he or she inherently possesses. Teachers, conditioned by their own inculcated experiences need to be helped (but by whom?) to realize and accept the fact that the child, every child, has a body of universal wisdom at the core of its being, as they themselves do, waiting to “inform” the student who can be helped to make contact with this accumulated body of eternal truths which will vary with each student.EAST AND WEST NEED UNITING:The need in today’s world is to combine the ancient wisdom and spiritual concepts of the East with the intellectual know-how of the West. These two in combination will eventually bring to humanity the needed spiritual love-wisdom for the solving of all human problems.THE NEED FOR PSYCHOLOGICAL REHABILILTATION:Psychological rehabilitation essentially means bringing the individual personality into line with the evolutionary pattern of the Soul; the “God Within.”Every nation as well as each individual has its own Soul or individual psyche which demonstrates as its character or culture. Historical facts and the past conditions of every individual and nation have determined its current relationships; there is a consistent nationalism or selfishness when what is needed is for education to teach the student the need to take self-responsibility, and to grasp the need for a selfless international participation. Every student needs to give serious consideration to his or her “place in the universe.” Every individual and every nation needs to solve its own personality problems, which are mostly self-generated. And behind all human endeavors are a psychological motive and goal. Anyone who can “think truth,” can help to shape public opinion. Educators should be in the vanguard of such “truth thinking.”In the historical East, education was limited to a few outstanding individuals who showed their potential for a deeper understanding of the purpose of all existence while the masses were ignored. This was also true in the West up until rather recently in our history when education was legally required for the masses. Since that time the goal has been to bring every student to a defined standard by which the educational process would supposedly be “fair to all.” Every individual is different, and wise teachers should be sensitive, understanding and attuned to the wide differences of each child under their tutelage. Remember, teachers and caregivers of every description cannot teach their “charges,” what they themselves do not know.In the future when the psychology of the western world catches up to the Esoteric Psychology of the historical East, the universal Law of Birth and Rebirth will be accepted. Such a needed psychology has been in the public domain for over seventy-five years. (See, Esoteric Psychology, Volumes I and II, Alice A. Bailey, Lucis Press, Publishing House of World Good Will Organization, N.Y., London and Geneva, 1937 and 1941.) In these volumes the human Soul and the chakras and the “etheric envelope” through which we distribute our individual energies are discussed in detail; none of which western psychology or education has yet discovered, although there is a dire an desperate need to do so. How can psychology or education teach a human entity when it does not understand the true nature of the “Constitution of Man.” (See, A Textbook of Theosophy, Ch. V, International Theosophical Publishing House, Madras,(now Chennai), Adyar, India, 1927.)In the East reincarnation, which along with karma, the Law of Retribution, or the Law of Cause and Effect, has been readily accepted and applied to each individual student. “What so ever ye sow, so shall you reap,” Saint Paul tells us. We are each on our own previously earned position on the evolutionary arc (back to the House of the Father), and we each have a Soul Age, which must be discovered and accepted by the wise educator. Our soul age determines our readiness for exposure to the world of meaning; the world of Causes behind the world of Effects. Not only should “advanced” students be given special consideration and culturing, the masses should also be exposed to the spiritual idea that our materialistic world is one of Effects; a mere reflection of a higher world of Truth, Beauty and Reality. Religion is not an issue to be considered here. (See, Education In Light of Theosophy, by Annie Besant, Ibid, 1912.)EVOLUTION IS A CONTINUOUS EXPANSION OF CONSCIOUSNESS:The only difference between an earlier world savage and a Savior, like our Christ, is one of an expansion of consciousness. Like the f-stop on a camera the more open the slit the more light comes in. From the Instinct of the savage, we are now at the more advanced human stage of the Intellect. The next expansion of consciousness leads us to Intuition, or Pure Reasoning and Direct Knowledge, which should be the goal of all modern education. All symbolic, indirect knowledge is merely the interpretations of so-called authority figures, and that based upon their own prior educations. (See, From Intellect To Intuition, Alice A. Bailey, Lucis Publishing Company, World Goodwill, N.Y. 1932.)Intuition develops when our consciousness is not hindered or limited by facts of questionable importance, or restricted by a world of sensory empiricism. Truth can never be discovered by a mind imprisoned in a world of Materialism. The pupil must be left free to expand his or her consciousness without interference from anything or anyone outside the inner self of the pupil. There is in truth a Real world behind this limited world we refer to as the materialistic and physical world. It is the goal of every human entity to discover that inner world for him or herself since Truth cannot be communicated; only Self-discovered. The true purpose of education should be to support that effort.CHILDREN GROW FROM WITHIN OUTWARD:Let us take an example from the vegetable kingdom. A plant grows from a seed; it grows from within outwardly when exposed to the proper environment. Every child grows and develops internally, from within outwardly just as a plant does. That is, if given the proper environmental “nutrients.” Education is one of the major “nutrients” for that growth, or at least should be. Correct understanding of the child, a loving attitude and an encouraging environment by the parents are yet other major “nutrients” for the proper blooming of the inner child seed. What incarnates from one life to another is an “Egoic Seed” which needs encouragement and a nutritional environment to flourish and bloom.It goes without saying that correct education proceeds by way of the human mind; an expansion of consciousness. But it is not the relative contents of the educational materials as absorbed by the mind, no matter how stimulating, which should concern educators. It is rather the very process of thinking itself that requires their rapt attention. (See, The Use and Power of Thought, by C.W. Leadbeater, TS, Ibid, 1911.)It needs to be remembered that to inculcate is to trample on the minds of the young with information of relative value, thus keeping buried the very essential truths of life so needed for the living of a peaceful and harmonious existence with one’s fellow beings. There is a real issue here which educators should consider: from whence comes the most reliable and trustworthy knowledge needed to guide humanity toward its ultimate realization? Remember, teachers cannot teach something they do not know themselves. It should also be remembered that it was the East and not the West which has given to humanity all of its outstanding Avatars for Humanity: the Buddha, Zoroaster, Sri Krishna, the Christ, and others. These earlier Eastern founders of our world religions, the Teachers of our human race and their spiritual concepts, reincarnation and karma among others, have remained with humanity for thousands of years whereas the teachings of the West are forever changing and are restricting, limiting, unstable and temporary. Real Truth is immutable, permanent and everlasting. Western concepts limited to a materialistic world are ephemeral, transitory, mutable and restricted to a world conceived of by our empirical senses. Modern western society generally speaking has no idea of the Truth of Life, or the spiritual meaning behind human existence. How many have honestly tried to turn inward and discover their true Being; their spiritual origins? The inner discovery of eternal Truths, Spiritual Truths, should be the ideal of all educators; not only for themselves but for every pupil. The first step to discovering Truth begins with these questions: Who am I, and what is the meaning of Life?The most appealing answer discovered comes from the injunction of theDelphi Oracle: Man, Know Thyself! (Greek=Gnothe Seauton). This implies, of course, an inwardly directed search for a guiding wisdom; one arising from a source deep within the creative wellspring of the individual seeker.CONCLUSION:In conclusion, altruism, universal Brotherhood, peace and goodwill toward others, are internal spiritual ideas stemming from the inherent wisdom amassed through the countless trials and tribulations undergone by the whole of humanity throughout the eons of time. Each individual, searching deep within the self, striving diligently and persistently to truly know thyself will come to discover the same unerring truth. We are all parts of a larger spiritual Whole. There is only one humanity, one Life, one Universal Mind consciousness. We are inseparable and the ideal of separateness held by the western world is perhaps the greatest illusion humanity has imposed upon itself. This one idea has led to more “Inhumanity to man,” continual warfare, and more human misery than any of the many other false ideals humanity as a whole entertains.To behave cruelly toward any portion of the whole is to injure oneself. Our choice regarding peace is quite simple. We survive as one humanity or we destroy the whole. Now, the question is, Why does it take most would-be authority figures so long to discover this fact? Could it perhaps have something to do with the way they were educated- by INCULCATION?The End