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Life insurance is basically a contract between an insurer who is the policy giver and the insured who is the policy holder.

Life insurance is basically a contract between an insurer who is the policy giver and the insured who is the policy holder.

Life insurance

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Life insurance is basically a contract between an insurer who is the policy giver and the insured who is the policy holder. The insurer promises to pay a fortune to the insured upon his/her death in exchange of agreed premium payments from the client. The contract which is negotiable depends on other external factors that influence payment such as the current health conditions of the individual, particularly on issues to do with terminal illness.

These contracts are legally binding with written specifics concerning the limitations and extensions of liability on the insured events. The liability of the insurer may be limited in cases such as suicide where the contract may be ruled null and void. Such special exclusions will wholly depend on the time agreement between the two parties or the statutes of the locality where the contract was enforced.

Mortality tables are used to calculate policy prices given by the insurer with keen actuarial studies on probability of death occurrences and statistics. Some of the variables also used by insurers are gender and age. Age indeed is considered an important variable of interest as rates rises with age.

In an event of the death of the insured, the claim can only be settled upon provision of an authentic death certificate as objective evidence with additional investigations by the insurer on the cause of death. When all these are proved, the insurer will now have an obligation to settle the claim with the beneficiaries, either on annuity payment or lump sum.

Types of life insurance

Life insurance policies may either be temporary or permanent. Temporary provisions are those that cover up to an agreed period while permanent are those that remain active throughout the policy holder’s life unless defaults in payments of premium occur; where your cover will be terminated with no refunds. Under temporary and permanent, life insurances is also divided into the following subclasses: universal, endowment, term and whole life insurances.

Universal life coverage is a permanent coverage with flexible premium payments and death benefits. Flexible death benefit is where the insured can chose to reduce or increase the death benefit. This cover is also less expensive when compared to whole life policy.

Endowment life insurance is a cover linked to an agreed age known as the endowment age. The value of the policy is equated to benefits on death at a certain age. Endowments are temporary and are paid out at the specified age whether the policy holder outlives or dies. Compared to whole life or universal life, endowments are expensive due to the shortened periods.

Term life insurance offers a cover to a specified period with factors such as length of cover, premium to be paid and the lump sum amount, taken into great account. Term life insurance can also be renewable depending on agreements.

Whole life cover is a permanent life cover with benefits provided at death. The premiums payments are constant throughout depending on earlier quotations at the onset of the contract. This policy accumulates your cash reserves from investments made by the insurer using your premiums. The interests from these investments can be used to settle your remaining premiums or be reinvested upon your consent. When compared to term, payment of benefits in this policy occurs upon regardless of age.

Despite the lack of efficacy in claim settlements by some insurers or breach of contract upon complexities, life cover is an investment worth taking to financially protect your loved ones in your absence.

References.

Maclean, J. B. (1962). Life insurance (9th Ed.). New York: McGraw-Hill.Steuer, A. (2010). Questions and answers on life insurance: the life insurance tool book (3rd Ed.). Alameda, CA: Life Insurance Sage Press.

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LIFE INSURANCE

LIFE INSURANCE

Life Insurance

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Insurance is a pledge or guarantee for a specific potential loss in future which is characterized by exchange for periodic payment. The purpose of insurance is to guard the financial well-being as well as interest of a company, individual or any other entity which could be affected in the case of potential and unexpected loss in future. Insurance vary in types, some are requirements of the laws of particular states while others are optional. Insurance types vary from car, health, business, disability as well as life insurance among others. This paper seeks to analyze life insurance as an individual entity.

Life insurance is a guarantee for the future loss of life by an individual. In modern society, life insurance is a core prerequisite for an individual as well as the associated beneficiaries. By reaching a rational agreement to the terms and conditions of an insurance policy, this creates a non binding or binding contract between the insurer and the insured. More often than not, this is in exchange for premiums (payments made by the insured). Life insurance therefore plays a major role in protecting an individual and his/her respective beneficiary in the form of next of kin.

Features of life insurance vary greatly depending on the type of government. In federal governments however, the following are salient features of life insurance. First is that, one can take loans and make early withdrawals without penalty. This feature makes the funds accessible in times of need. The second feature is that, premium or individual member withdrawals may be tax free. This ensures a reduction in the tax burden and therefore brings forth a cheap option of accessing money as well as benefits of a life insurance. These features among others ensure that an insured individual lives a life free of day to day stress.

Life insurance has a number of advantages. The first benefit is asset protection. This is considered the core benefit of life insurance. This benefit caters for the financial benefits and interests of one’s family. Life insurance products have strong inherent proposition for wealth creation. A customer of life insurance therefore has investment options provided for by the insurer. This feature therefore provides a sense of security.

Secondly, it allows for savings based on goals. Conventionally, every individual has goals in life. Some of these goals can only be achieved through objective based savings. These savings could play fundamental roles of education, construction as well as meeting future planned and unplanned for events. Therefore, life insurance savings help the insured to meet future needs.

Third is that it provides for protection against the ever rising health and health related expenses. With the ever straining global economy characterized by increased standards and expenditure on basic human needs. The safest way to safeguard the future is by obtaining life insurance which might in future cater for unexpected health expenses. This therefore reduces future unexpected expenditures in catering of basic needs.

Finally, life insurance allows for growth through dividends. This is achieved by the fact that every end of a financial year, the insurance provider gives back to the stakeholders in the forms of bonus and dividends. This provides a boost economically to life insurance stakeholders and thus improves their quality of life as well as their living standards.

Life insurance therefore is a fundamental aspect of human life. It allows for asset protection in case of future unexpected events. Through asset protection, the implication is that social as well as economic protection is guaranteed. It also allows for goal based savings. These savings more often than not cater for future unexpected expenditures. It supplements for the ever rising health related expenditures which reduces the burden of unnecessarily spending too much on a health issue that could otherwise been dealt with using cheaper means. Through annual stakeholder bonus and dividends, life insurance boosts the living standards of individual stakeholders.

References

Berwick, G. (2007). The Executives guide to insurance and risk Management. Australia: Fastbooks Publishers

Koller, M. (2011). Life Insurance Risk Management Essentials, London, U.K: Springer Publishers

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Life goes on logic model

Life goes on logic model

Life goes on logic model:Statement of Need: The mission of “Life goes on” is to reduce rates of suicide among older adults through awareness, education and community based interventions.

Input -685804064000 Process -53975-255524000 1243330571500Output Outcome

Short-term Long-term -590553111500 Impact

Clients

Counselors

Case Manager

Volunteers

Handouts

Facility

Referrals and Resources Providing one forum quarterly to address the needs, services and education of older adult to families, friends, guardians and clients Increased awareness on depression and suicidal thoughts The public and the society’s increased awareness on depression and suicidal thoughts amongst older people Promotion of mental resilience and connectedness between the older adults, family, friends and guardians.

Reduction of depression and suicidal thoughts amongst adults aged 65 and above

Hold a weekly support group for the clients to increase social skills, awareness and prevention.

increased social skills, awareness and prevention amongst support group Public awareness on people at risk of committing suicide Improved identification of precursors to suicide among older adults Provide trainings twice a year to recognize and respond to suicidal risks among older adults.

Recognition and response to suicidal risks among older adults.

Educating the public on handling suicidal risks Utilize social media to raise awareness of suicidal among older adults Increased awareness of suicidal issues amongst older adults through the social media Input -685804064000 Process -457203746500-53975-255524000 Output -457204191000 Outcome

Short-term Long-term -590553111500 Impact

Clients

Counselors

Case Manager

Volunteers

Handouts

Facility

Referrals and Resources During National Suicide prevention week which is surrounded by World National Suicide Prevention day LGO would host a candlelight vigil to honor the lives of those who were effective by suicide among older adults. Advocate for administrative and policy measures to assist with the care of older Reduction of suicidal cases amongst older adults

Network annually with California authorities to create awareness on mental health among older adults through public policy forums in the capital. Increased public awareness on mental health issues. Offer weekly wellness checks to clients Reduced suicide rates amongst older people

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Life Coaching and Transition

Life Coaching and Transition

Life Coaching and Transition

Abstract

Life coaching can provide leaders with the ability to learn how to create development and have a system to focus on growing in emotionally and through different transitions in life. By addressing certain situations during life’s challenges or low points, it can change the way a leader teaches or even make the client aware of how to handle a challenge with better coping performance. Building up to assisting clients to develop from life coaching, there must be an understanding about the relationship and knowledge that is learned that will help them confront challenges ahead of them. Coaching leadership can be powerful to the client while building relationships and reflecting on the challenges that the client will face. In life, there are various stages that we may face. It can be marital problems, depression from job layoffs, or improving in time management. In life coaching we want to support our clients and hold them responsible for their actions. During our lives we go through changes learned from experience, and rather than run away from difficult situations, a life coach can teach a client to be responsible with taking action on setting goals and accomplishing them. Life coaching can be positive while leaving an impact with faith and the motivation to be applied for attaining short and long term and to find solutions through conflict or problems. Our clients face trials and tribulations in the world, but as humans that make errors it is also acceptable to learn from our errors while adapting and conquering battles, difficulties, and setbacks of our lives.

First Section

Life coaching is a form of therapeutic counseling that motivates, teaches, and supports clients and allows them to make their own choices that are necessary for them and not what we think is best for them. The life coach should be consistent in placing responsibility on the client and for them to take action with their own accountability to the life to which God has lead them to be encouraged to move forward in their agenda or vision. Wanting a coach can be for many benefits such as personal growth, heartbreak, abuse, or the lack of mental drive to not be stagnated, but to grow from a bad experience or state of brokenness and need motivation or inspiration in life. Coaching is a partnership between a coach and a client that is focused on the client taking action toward the realization of their visions, goals, and desires (McCluskey, 2008).We will face many transitions which is normal and a part of life that must happen and it is universal that all of us will have to go through something painful to grow or become weaker. These things that happen to us individually allow us to gain a stronger mentality and resilience for experiences. Life has never been predictable so to try to figure out when bad or painful emotions or not having self -esteem can be changed, but it also must come from within the client’s mind and soul to make that decisions to improve for a better future. God has each of our lives already predestined and it is up to us to make due for what He has put before us. Transitional times happen at which clients will question whether they made a good choice and perhaps even consider going back to what they left behind (Collins, 2002). Coaches work with clients to facilitate experiential learning in a professional relationship and improve functioning and performance, often in the context of working toward specific goals (Collins, 2002). (((There are many different types of coaching, but leadership coaching was a topic that deals with life and also how to adapt to life and being a leader during a life transition can make the difference in life. The purpose of leadership coaching represents going through transitions , and it stood out to me, because the purpose of leadership coaching represents strong leadership, components of leadership, which according to ( Robertson, 2009) ,“ requires a willingness to listen, to change and adapt, and to connect and engage others in the learning journey at which leadership is relational” ( p.2). Being a leader means that you will have to be uncomfortable at times where you are, but to accept challenges and develop a sense of positive belief in what the goal or pursuit is at the time.

In career transition coaching people need help sometimes moving from one career to another. There are different reasons as to why clients come to coaches for direction is according to ( Genova, 2010) is that they feel that they don’t have an edge in career change and fear. The client can also make better business decisions when they are aware after being taught on how to get the edge in a time of crisis of change and fear. As explained by ( Genova, 2010) is that fear is manageable and that it doesn’t have to determine our behavior. We tend to worry about the what ifs so much that we eventually can miss the opportunity to get the promotion or move up in our career in fear of making that mature step or face the transition to change. As we grow older, obtain some experience in the working world, the step to a career transition is better than as we were younger when achieving the developmental milestone ( Genova, 2012). Work has a central place in our lives, as it defines who we are, shapes our self- concepts, and determines our standards of living (Collins, 2009). Having a positive spiritual life in the workplace is also important. As spirituality is explained by (Bourgeois, 2006), “Spirituality in the workplace translates into leaders who are authentic, socially responsible, doing what’s right no matter what, and respecting each other” (p.3).

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Motivation is needed from the person that is looking for the better job and at times the client or person looks to the coach for that motivation. For example, in one of the points of what motivation could be, (Gelona, 2011) explains that a typical way of describing motivation is that, “a force which arises from within the individual, that activates and enables the individual to pursue a particular task, event, job, or goal (p.1). It is the drive within you that makes you exist and serve purpose to what defines who you want to be and do in life. We are supposed to be naturally motivated to set our own course and achieve them. There are various ways at which we can motivate ourselves to go where we want to go, how the pursuit of happiness will evolve, and how it forms our well- being. Motivation can influence us to go as far as we want to go, do things that we would have not known was possible, and allow that to influence through the rest of our lives in spite of certain times when there may be difficulties in setting goals.

Motivational coaching is “ a collaborative process for enabling clients to better understand how to generate and maintain higher self- motivation for pursuing goals and desired outcomes” (Gelona, 2010, p.2). A lot of clients that are looking to better themselves, trying to attain a better education whether it be a GED to a doctorate, some people are looking for someone that can empower and provide them the energy that can catapult them into a realm of success. Some people have lost a sense of establishing goals and no matter how hard they try they lose the passion of pursuit to succeed or the desire to win. The times in which we live call for a new understanding of what it means to be a professional and to participate in a profession. Coaches can learn a lot from their colleagues in medicine and psychology who have been wrestling with the potential and pitfalls of evidence- based practices for the past 17 years (Drake, 2008). The relationship between workplace coaching, the length of time an employee has worked with their employer, and how they handle life transitions are some of the reasons that transitional life coaching is on the demand. With coaching in the workplace there are certain problems that can evolve that may have to be addressed such as the relationship between the supervisor and the employee. According to ( Harris, Winskowski, & Engdahl, 2007), positive relationships with supervisors have been reported to strongly predict job tenure, positive organizational social climates, and the presence of friends or family at a particular work site have also been reported to predict employee retention (p.6).

Many clients may be in some need of motivational coaching to enable them to generate and maintain higher self motivation for pursuing goals and attaining desired outcomes. With effective motivational coaching can facilitate motivation enhancing processes that may help clients to address their need (Gelona, 2011). Trust is a valuable element in establishing the role of the coach and the client and is an essential element in learning from their coaches to apply these new ideas. Through motivation comes a good leader. Robertson (2009) found that leaders do not necessarily seek the type of situations that require movement out of comfort zones and into the emotional space to allow challenges to values and belief systems (p.4). During the course of life and when we go through the difficulties of real life tests and tribulation, having a coach can affect what we choose to decide, learn, and partake in wisdom. With life coaching as a new way of gaining knowledge through the partnership, the coach challenges each client to redirect their own way of what they have learned, establish more core values, and beliefs. Learning to be a leader during transition can change the way individuals would choose to work, within their leadership team, within their community, with other school, and with their families (Robertson, 2009). In the modern workforce, we must not only be great leaders, but we also must be great teachers.

Finding balance in life can be challenging and as coaches we can assist our clients to begin their way to a path of focus. Collins (2009) explained that “coaching for balance begins with helping people figure out what they value most in life and then ordering their lives around in it” (p.246). One thing about balance is that you have to reevaluate certain times in your life and that seasons do change. As Collins (2009) stated,“ what is balanced at one season of our lives may be entirely out of balance at another” (p.246). We get caught up with keeping our sights that we have seen continuously and forget that some of the values that were at the top of the list aren’t that important and can be dealt with later.

Second Section

There are many challenges with coaching in this profession and where coaching fits in that special place. With the way things are changing there has to be a better understanding of being professional and participating in a profession such as coaching. To me coaching can gain more credibility if they make more connections in transparency and more results. Coaches include those with coach-specific training and experience as well as those with other backgrounds who simply call themselves coaches (Brennan, 2008, p.189). In my research paper and reflecting on my findings, I learned that coaching can also requires some applied science and drawing on some psychology at times. I reflected on how important worship, work, and play are three defined areas of importance and that if you don’t have these three key areas in your life, then your life is out of balance. I also learned upon reflection that I was doing something that was getting out of hand and affecting my personal life. I was doing so much every day and only a few people told me that I was doing too much, but what they didn’t say directly was that I was worshipping my work. I enjoyed training for my track championships which was my play time, but my normal time slot for training got overshadowed. Coaching my youth track club, studying for graduate school, and working full time with a new position took me away from my most deeply held values that were really important to me. As coaches we will have the opportunity to present more evidence based knowledge and practice what we have learned with our clients. As I read on the application of addressing core questions in this profession with different examples of strategy that was provided on how explained by Drake( 2008) that coaches need evidence that informs their awareness, shapes their assessment, and guides their actions (p.23). In this meaning we as the coach need to understand what is going on with our client and being aware of what is affecting them, but as we assess their lives we can provide leadership in guiding them the way that they will go in taking upon their own actions. Drake (2008) found that many coaches struggle most with taking and reflecting on action which would serve better by having more evidence. I learned that I need to apply more evidence toward my client to effectively get results out of my practice. One of the key elements of my reflection on this paper is having the best quality possible that can be given to my clients and to ensure that they get the best quality coaching offered in this professional standard.

Coaching clients in transitional change will have an impact, because everyone is going through something in their life at some particular time, phase, or journey. There is a need in quality assurance and it is something that I would concentrate on in this coaching ministry. Looking at how motivation can be utilized in coaching in not just one area, but several areas allows me to realize that there are people out there that want to gain insight in goal setting and maintain the leverage that they have gained from being self- motivated from the coach and not allowing the coach to do all of the motivation. It is generally accepted that people in many areas of life, have to deal with fast changing complex and stressful environments ( Gelona, 2011). Upon reflection of how motivational coaching can be used those that have lost the drive at a certain point in their life can actually regain focus on tasks, going back to school, or rebuilding the marriage that once had lost the fire in the relationship. Most importantly with motivational coaching, we the coaches bring order and organization to boost the level in them reaching their goals. As Gelona (2011) explained, motivation is essential to their ability to persist their goals and aspirations, especially when faced with difficulties and setbacks.

Some of the things that I would practice is problem identification which was developed from the PRACTICE model of coaching by (Palmer, 2011). As the problem is identified, the coach and the client can work on the problem and use the R which is realistic and relevant goals which will need to be set. I would ask the client what topic would they want to discuss and go into detail as to what the topic evolves, what resolve would follow and what would they like to change different about the topic and etc. I like exploring different options and allow them to use all of their resources as their own solutions. I like the PRACTICE method, because as Palmer (2011) explains it has been used for performance, business, career, executive, stress, health, life, and many more areas in addition to being used within counseling, psychotherapy, and stress management.

In life coaching I realize that the profession is broad and that there are different areas that could be reached and that going through different transitions in life such as having a family, raising kids, and job performance can be difficult to balance. It can get overwhelming at the pace that the world is going and we need someone to talk to that can get us that boost for our challenge at that critical time. This coaching focus makes me look at coaching from a Christian perspective and how can I help someone draw nearer to God without pushing them into salvation, but to let them know that Christ is using me to help them grow and myself as well as God continues to use me during those coaching sessions. Life coaching especially during transitions in my life could impact me personally, because I’ve seen countless times where I needed to talk to someone and couldn’t. The only one I could talk to was God at the time which is the best coach and counselor I could ask for, but at those times when I need a coach to help me get a grasp on life would help. During times of reflection and feeling like I have no purpose in life when I have so much going on can be a time of identity crisis, but I wouldn’t know without a coach. This is where I see that coaching can be effective and help others reach the goals that they have been trying to accomplish, but without a sense of organization or reevaluation it can be a stagnant period in my or anyone else’s life. Life coaching with the focus on employment transition can impact how I make the transition to being promoted and how my schedule has changed, but how to reduce the things I normally used to do when I had a different schedule. It impacts me because as I did my research I looked at myself and could see some of the problems that I encounter and how would I change these difficult things that I have encountered this year.

In conclusion, the profession of coaching is something related to psychotherapy that I hadn’t looked at in depth, but once introduced to what types of coaching can evolve as well as the life coach can choose as many topics or specialty areas he wants as long as he is competent in those specific areas to coach in. In researching how life balance and coaching can help people figure out what they value in life made me take a full evaluation of what I’m doing wrong and what I need to do right. This focus on life balance affected me and I don’t even have a life coach, because I too got caught up in using a lot of energy in other areas that I should have been using in the most important areas of focus. I have learned that this season has required huge amounts of energy and my life at home is suffering and my home is the most important aspect during this season. The revelation that I received during this paper will make me change my plans for these next few months in order to follow the path that God wants me to go in. The plan that I once had needs to be changed, due to the season that I am now in. As Collins (2009) states at which I caught the revelation of, “ I can’t change the wind, but I can adjust the sails” (p.247). I realized that my worship life was lacking, that I didn’t have much play life at all, and all I was doing for the past six months was work, which is taking me away from people that I love and care for. It has been a year of growth and maturity, but also a year of being overwhelmed, involuntary transitions, and preparing to start a new chapter in my life.

Reference

Biswas-Diener, R. (2009). Personal coaching as a positive intervention. Journal Of Clinical Psychology, 65(5), 544-553.

Bourgeois, T. (2006). The challenge of changing values, beliefs, and expectations. Leader To Leader, 2006(42), 7-10. Brennan, D. (2008).

Coaching in the US: trends and challenges. Coaching: An International Journal Of Theory, Research & Practice, 1(2), 186-191.

Collins, G.R. (2009). Christian coaching: Helping others turn potential into reality. Colorado Springs, CO: NavPress.

Drake, D. B. (2008). Finding our way home: coaching’s search for identity in a new era. Coaching: An International Journal Of Theory, Research & Practice, 1(1), 16-27.

Gelona, J. (2011). Does thinking about motivation boost motivation levels?. Coaching Psychologist, 7(1), 42-48.

Genova, J. (2010). Our Stories: Leveraging Them for Career Transition. Vital Speeches Of the Day, 76(5), 234-237.

Harris, J., Winskowski, A., & Engdahl, B. E. (2007). Types of Workplace Social Support in the Prediction of Job Satisfaction. Career Development Quarterly, 56(2), 150-156.

Hawkins, P. (2008). The coaching profession: some of the key challenges. Coaching: An International Journal Of Theory, Research & Practice, 1(1), 28-38.

McCluskey, C. (2008). A Christian-therapist-turned-coach discusses his journey and the field of life coaching. (Clinicians’ Columns). Journal Of Psychology And Christianity Fall 2008.

Palmer, S. (2011). Revisiting the ‘P’ in the PRACTICE coaching model. Coaching Psychologist, 7(2), 156-158.

Robertson, J. (2009). Coaching leadership learning through partnership. School Leadership & Management, 29(1), 39-49.

LIFE COACHING THROUGH DIFFERENT TRANSITIONS

LIFE COACHING THROUGH DIFFERENT TRANSITIONS

LIFE COACHING  

LIFE COACHING THROUGH DIFFERENT TRANSITIONS 

 

 

 

 

 

Life Coaching and Transition

 

 

 

 

 

 

Earl R. Owens Jr.

LIFC 501

Liberty University

 

Abstract

Life coaching is a practice that provides a chance to make leaders and develop states of mental stability through several challenges as well as transitional stages. However, in order to achieve this, there is need for a working relationship, a form of partnership, between the client and the coach. It is the responsibility of the coach, based on the training acquired, to come up with the right path to follow to handle the problem, while the client is responsible in making sure that the coach receives all the details he needs to make therapy a success. Life coaching can leave a positive impact on the life of the client if all the conditions are adhered to or can leave the client worse than when they were should the client choose not to do what the coach requires of him. In section one, this paper talks about the types of life coaching and in section two, a reflection of what life coaching is all about and how to make coaching a success.

Section One

Life coaching is a practical form of counseling that therapeutically inspires, guides, and assists clients in making their own decisions based on choices they feel are essential to them contrary to what other people feel for them. As a result of this, it is expected that life coaching sessions should be a constant source that unfailingly forces inspiring the client to embrace a positive attitude towards life. There are various life challenges that make a client seek for the services of a life coach and clients who manage to go through a life coaching session come out stronger, more reliable, and positive minded. This is because they are taught to accept, embrace, and see beyond the challenge (Biswas-Diener 2009). These sessions are meant to give motivation that mends the client’s state of brokenness. According to Collin, life coaching is a relationship that calls for a partnership between the victim and the therapist to work together to overcome the immediate challenges and concentrate on what matters most to the victim i.e. their goals in life. Life is not a smooth ride from childhood to adulthood and because of this, there are several setbacks that must be faced, some of which inflict pain and render us weak. However, there is strength in weakness if the victim accepts the challenge and sees past the brokenness and low self-esteem. For every therapeutic session to be a success the client must have the self drive needed to overcome the problem and in order for this to happen, he must make the choice from deep within self to overcome the problem (McCluskey 2008). Upon accepting the problem, it then becomes the coaches’ call to help the client transition from victim to victor and are able to do this through a series of experimental learning that enhance the clients performance towards their life’s goals.

Life coaching comes in various types. First, leadership coaching is the type that deals with adopting life challenges and creating leadership through a transitional process by which the client embrace life’s differences. Leadership coaching navigates the clients mind to bring out the strong components that a leader must have. According to Robertson 2009, this type of coaching “requires a willingness to listen, to change and adapt, and to connect and engage others in the learning journey at which leadership is relational” where at the end, the client develops a positive attitude towards life and focuses more on their goals.

Second, career transition coaching is the type that deals with direction and guidance in making choices regarding career. In this, clients approach the coach when they feel the need to seek help in deciding what they should to do and what career choices they should make. The main reason that prompts the client to seek this type of counseling is the low esteem that people have that renders them afraid of change. Upon pointing out the problem, the therapist conducts sessions that navigates the client’s perspective towards the problem and teaches them to embrace the change, shun away from the fear, and make the right choice towards the problem. It should be clearly noted that, a person’s behavior needs not be determined by the state of fear he is in (Genova 2010). Fear can be controlled and therapists believe that when we concentrate more on our fears we tend to overlook opportunities that may be lying beneath waiting to be noticed. Older people are more likely to face careers related fears in a positive way compared to young people because as time goes, working experiences that people go through enables them to transition from one state to another. This makes older people have a developmental mindset compared to young people (Collins 2009). According to Bourgeois, “Spirituality in the workplace translates into leaders who are authentic, socially responsible, doing what’s right no matter what and respecting each other” and as such, it is very important to work positively with a spirit filled mind.

Another type of coaching is motivation coaching. In this type, clients are in need of help that can boost their esteem education wise. As a result of this, many people are on the run to empowering themselves and attaining that form of edge that will make them stand out from the rest as they look for success. According to words of Gelona, motivation coaching is “a collaborative process for enabling clients to better understands how to generate and maintain higher self- motivation for pursuing goals and desired outcomes”. The main reason for this type of coaching is to redirect people back to their goals after they lose their sense to establish goals because of lost interests or died passions to be successful. Clear definitions must be made by the client to help him understand what his profession requires of him and this can only be made possible if a life coach navigates the client’s view of his potential (Drake 2008). This type of coaching is triggered by the fact that there is need for a work relationship between the employer and the employee to help them transition from one stage to another in order to meet pressing demands. Harris, Winskowski, and Engdahl describe a positive relationship between an employer and employee as a remedy to a strong and positive organizational structure that meets work demands.

Gelona goes ahead to say, “a force which arises from within the individual, that activates and enables the individual to pursue a particular task, event, job, or goal”, is the most important reason why there is need for motivation coaching. This force is the reason why people are able to distinguish and serve their functions while pushing forward in understanding their reason for living. Natural motivation is there in every person but when this fails, motivation coaching becomes critical to restore an individual’s purpose in life. Various people require motivational coaching to redirect them to their goals and achieve their expected outcomes in life (Gelona 2011). The most important and underlying element that must be present for any form of coaching to be successful is trust. The client must be able to disclose to the coach without the fear that the coach will share with other people, the same element applies to the coach. By applying this element, a bond is formed between the client and the coach and the two are able to share freely. The client becomes the recipient of the coaches’ skills that helps him turn his thoughts around towards any situation while the coach gets a chance to guide, inspire, and assists the client in achieving the best that is in him. Through this, the client gets the motivation required, which in turn transforms the client to be a leader to first, him and then others (Robertson 2009).

The impact of having a coach in one’s life helps transition the individual from a trouble minded to a goal oriented person who stands at a comfortable position to make right decisions irrespective of the challenge. Coaching also helps an individual to gain knowledge through the partnership formed between the client and the coach enabling them determine the important values of work as well as life (Robertson 2009). Through these transitions that results from coaching, an individual becomes the benefactor of change for the good of the families, school, and community at large. It is therefore the responsibility of coaches to help clients balance their lives and live a focused life (Collins 2009). Collins goes ahead to explain “coaching for balance begins with helping people figure out what they value most in life and then ordering their lives around in it” through this, a client is able to analyze and assess what is important in their lives as well as appreciating the different seasons in life.

Section Two

Coaches are professionals like others and most of coaching skills can be attained through learning. Anyone considered a coach must have specialized training as well as experience on the related areas (Brenna 2008). Just like any other profession, coaching too has a lot of challenges. The first and most important thing that must be emphasized is that coaching is a profession and the kind of seriousness required in other professions must be applied in it as well. However, coaching integrity can be attained through transparency. Applied science and psychology are two fields that are necessarily important in coaching (Hawkins 2008). These two fields help show the importance of social aspects of life that define the state of balance that an individual must have to be able to lead a positive life. These social aspects are recreation, religion, and work. It is very crucial how one relates to what he does because how one does what he does affects his life, this is true and makes sense the words of Drake “coaches need evidence that informs their awareness, shapes their assessment, and guides their actions”. It is the responsibility of every coach to comprehend what affects their clients, what they go through, and how to help solve the problem. By doing this, the coach stands in a position to inspire, guide, and assist the client by providing them with skills that redirects their way of thinking. Evidence is crucial in how coaches solves the client’s problems, and for better results, it is the duty of the coach to ensure that sufficient evidence is gathered. With adequate training, sufficient experiences, and evidence at hand, the coach is able to offer the best professional standards of services needed.

Every individual is at one point or the other in their life going through some changes. These changes can be in specified time or passage. It is expected that coaching, while helping solve these changes and other challenges in the client’s life, provide assurance quality to the client. Leadership, career, and motivational coaching opens up the broad scope of coaching to make one understand that there are various challenges in life that must be solved to help the client face life, after the challenge, in a positive way (Gelona 2011). The line being drawn out more clearly is that coaching is a process that inspires, guides, and assist clients through redirecting their thoughts from problem to solution oriented mindset that gives positive living as the outcome. As a result of this, coaching is fundamental in restoring the clients’ ability to focus on their goals irrespective of the challenges they face.

Palmer 2011, points out that problem identification is very important in solving a client’s problem. Upon identifying the problem, the coach directs the client on the most realistic way that can help the client make the relevant goals which must be worked on to regain control over the problem. For any session to be successful, the coach must enquire for details as evidence; revolve around it investigating the possible options that will give the right solution be it in a leadership, career, or motivational case (Palmer 2011).

Conclusion

Coaching is a therapeutic session that is aimed at inspiring, guiding, and assisting a client to find the best way to live life positively despite the challenge encountered. There are several types of coaching, leadership, career, and motivational coaching all described above and how important they are in solving a client’s problem. This paper has done a reflection on the research of coaching, what needs to be done to offer the best services to the client and the parts that the responsible parties must play in making a therapeutic session a success.

It is better to understand that there are some situations in life that we cannot force our way out and we are safe surrendering them to the higher power, God. This can only help us have the state of sanity that we cannot otherwise achieve working our things our way and only the words of Collins “I can’t change the wind, but I can adjust the sails” can help us understand. 

Reference

 Biswas-Diener, R. (2009). Personal coaching as a positive intervention. Journal Of Clinical

Psychology, 65(5), 544-553.

Bourgeois, T. (2006). The challenge of changing values, beliefs, and expectations. Leader To

Leader, 2006(42), 7-10.  Brennan, D. (2008).

Coaching in the US: trends and challenges. Coaching: An International Journal Of Theory,

Research & Practice, 1(2), 186-191.

Collins, G.R. (2009). Christian coaching: Helping others turn potential into reality. Colorado

Springs, CO: NavPress.

Drake, D. B. (2008). Finding our way home: coaching’s search for identity in a new era.

Coaching: An International Journal Of Theory, Research & Practice, 1(1), 16-27.

Gelona, J. (2011). Does thinking about motivation boost motivation levels?. Coaching

Psychologist, 7(1), 42-48.

Genova, J. (2010). Our Stories: Leveraging Them for Career Transition. Vital Speeches Of the

Day, 76(5), 234-237.

Harris, J., Winskowski, A., & Engdahl, B. E. (2007). Types of Workplace Social Support in the

Prediction of Job Satisfaction. Career Development Quarterly, 56(2), 150-156.

Hawkins, P. (2008). The coaching profession: some of the key challenges. Coaching: An

International Journal Of Theory, Research & Practice, 1(1), 28-38.

McCluskey, C. (2008). A Christian-therapist-turned-coach discusses his journey and the field of

life coaching. (Clinicians’ Columns). Journal Of Psychology And Christianity Fall 2008.

Palmer, S. (2011). Revisiting the ‘P’ in the PRACTICE coaching model. Coaching Psychologist,

7(2), 156-158.

 Robertson, J. (2009). Coaching leadership learning through partnership. School  Leadership &

Management, 29(1), 39-49.

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Life Application. Overestimating people’s thoughts about you

Life Application. Overestimating people’s thoughts about you

Life Application

Contents

TOC o “1-3” h z u Overestimating people’s thoughts about you PAGEREF _Toc378195130 h 1Life changing decision PAGEREF _Toc378195131 h 1My first year at high school PAGEREF _Toc378195132 h 2

Overestimating people’s thoughts about youThe opinions that people hold on an individual’s actions, behavior or simply their personality has a great impact on that particular person. There are instances where one can underestimate or even overestimate how other people think of them. I have been in a situation where I totally overestimated how much other people were thinking about me. This occurred during the first few days that I had joined college. I usually made sure that I was early for class and would seat at the front of the class. I would always answer all the questions that were asked even if I did not know the answer. I used to do all this so that I could attract attention and hence be noticed by the rest of the class.

However, this was not the case as one day I asked one of my classmates what they thought of me. Was shocked to realize that he had not noticed my presence in the class and was not even sure we were classmates. This was contrary to my expectations since I expected that everyone in class knew me and thought of me as brilliant student. My situation was quite similar to adolescent egocentrism as I believed that the rest of the class was attentive to my appearance since I always sat at the front. I also believed that they paid attention to my behavior since I was answering al the questions so that I could be noticed. With adolescent egocentrism there is belief that all eyes are on you as a person and this is exactly what I thought (Fraser, 2010).

Life changing decisionI took a decision to change schools from a local school to an international school. This was life changing decision since it is through the school that I met many people from different countries and cultures that made me get the exposure that I would need for my career. It was quite emotional to leave my friends that I had known for a very long time to go to a totally different country. It would be hard for me to settle and get to make other friends and get used to them. This was the only logical move as studying in my country would not give me the exposure that I so much needed. Therefore there was an interaction between the logic behind my decision made it easy for me to deal with the situation in a less emotional way.

I would not have made the decision to make the move if I had given the matter less thought. I looked at the advantages of my decision against the disadvantages and the advantages outnumbered the disadvantages. If I could have given the matter less thought then I could not have weighed my options and could not have made the decision that I made.

My first year at high schoolI attended an international high school which was not in my country. During my first year at the international school I thought that everything would be same as it was back at home. However, this was not the case as the students there were not as hospitable and friendly like the way it was back at home. It was quite difficult to make friends and interact with people in the school. This is because most of the students came from different backgrounds hence behaving in different ways that were often not accommodative to others. I made a decision to try as much as possible to fit in the school through making friends and spreading my hospitable nature. His made the later years of my stay in the school were easier and better. It helped to get to know other people and learning to live with people from different cultures and backgrounds in harmony. I influenced the many friends to adopt a hospitable nature and become friendly. We interacted freely and shared our views and ideas which was quite helpful in our studies.The later years of my stay in that school were therefore the best with so much god memories tied to them.

Reference

Fraser, R. (2010). Definition of Adolescent Egocentrism .Retrieved May 4, 2013 from http://tweenparenting.about.com/od/behaviordiscipline/a/AdolescentEgocentrism.htm

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Lies My Teacher Told Me Down the Memory Hole The Disappearance of the Recent Past

Lies My Teacher Told Me Down the Memory Hole The Disappearance of the Recent Past

Lies My Teacher Told Me “Down the Memory Hole: The Disappearance of the Recent Past”

History textbooks misrepresent the events of September 11. They do not give an account of the past, for instance the relationship of the US and the Middle East. The US is presented as the ‘good guy’ helping the affected states in the attacks whereas they had other motives, to take power of vulnerable states like Iraq.

According to Loewen, history textbooks in the US portray the US positively. This is misleading to the students because they will believe that the US is the best when actually it is not entirely the best (Lowen 2007). Lowen stated that the United States attacked Iraq twice. It was also part of the September 11, 2001 terrorist attacks.

The US helped Saddam Hussein rise to power by helping him fight against the attacks in Iraq. It provided weaponry and also involved the CIA thus influencing Saddam’s rise to power.

George Bush was justified in invading Iraq because Saddam was able to produce weapons of mass destruction (WMD) over a given time frame. Besides, Saddam’s WMD could have been hidden or ferried to another country (Lowen 2007).

There are many reasons history textbooks will present about the reason why US attacked Iraq. For instance, the US wanted to help the people of Iraq and lead them to democracy. However, according to Loewen, US attacked Iraq because it wanted to get rid of the threats posed by Saddam. Saddam had weapons of mass destruction and this could possibly be accessed by Al-Qaeda. The US also wanted to take charge of the oil in Iraq which would be a great source of economic benefit for it.

After the 9/11 attacks, the US launched attack on Iraq mainly to avenge the 9/11 attacks that had affected it.

Israel helped the US deal with threats from the external arena and also boost each other in terms of technological advancement. The countries in the Middle East view this relationship as a mutual relationship with both countries benefiting from each other.

This chapter is a critique of what most history textbooks in the US presents. As such, I have developed reservations for some of the arguments. For example, I do not anymore entirely believe that the US is a perfect continent. Some of the reasons it went into war, for example in Iraq, was not to help the suffering citizens but to benefit indirectly. This is rather selfish and many books do not argue this possibility. Many authors only discuss the positive side of the US’ intervention.

Top of Form

Loewen, J. W. (2007). Lies my teacher told me: Everything your American history textbook got wrong. New York: Simon & Schuster.

Bottom of Form

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Licensure & Certification

Licensure & Certification

Licensure & Certification

Presented by

Institution affiliate

All health facilities and emergency medical divisions in United States must comply with the regulatory and statutory requirements for state licensure and Medicare certification. Illinois forms one of the major states in United States where medical practitioners strictly comply with licensure and certification rules and regulations. According to IL Professional Counselor Licensing and Disciplinary Board, Licensure refers to particular health care entities that an individual medical person must have before providing any health care services. Certification is the legal authority given to health care entities with the interest of serving Medicare and Medicaid clients. Some of the laws regulating and impacting credentialing, licensing, and certification in Illinois State for Mental Health Counselors include the Professional Counseling Act and Professional Counseling Rules. These laws are found under the Illinois department of financial and professional regulation and guides credentialing and licensing of professional Mental Health Counselors in the State (idfpr, 2014).

Mental health professionals in Illinois must possess a license in order to carry out services to clients. The state of Illinois has two levels of mental health licenses, the Licensed Professional Counselor (LPC) and the Licensed Clinical Professional Counselor (LCPC). Practitioners in LPC acquire their license through normal education and examination while LCPC must work under strict supervision and complete a test for them to hold a license. For a Mental Health Counselor to hold a professional license and certificate in Illinois, one must pass the following three key content areas.

Education

A Licensed Clinical professional Counselor must have a master’s degree or higher in professional counseling or other related fields from an accredited University in the State. The person can also have a Certified Clinical Mental Health Counselor credential issued by NBCC. On the other hand, a Licensed Professional Counselor must hold a master’s degree from a regionally accredited university and the program must be approved by IL Department. In addition, the person must have completed at least 48 semester hours in order to qualify for LPC licensure and certification (American Counseling Association, 2010, p. 26).

Experimental requirements

A LCPC must undergo two years of full-time supervised employment or experience in clinical professional counseling department. The supervisor should be a qualified LCPC with all the above educational requirements. A qualifier should provide face-to-face service to clients’ for 1, 920 hours out of the two years work experience. An applicant with doctoral degree only has one year of full-time supervision (American Counseling Association, 2010, p. 26).

Examination

Finally, the applicant should seat and pass the following exams. For LCPC, the applicant must pass the National Counselor Examination (NCE) and National Clinical Mental Health Counseling Examination (NCMHC). On the other hand, the LPC applicant must pass The Licensed professional counselor (LPC), the NCE or Certified Revenue Cycle Executive (CRCE) (American Counseling Association, 2010, p. 26).

The State of Illinois has developed many publications and websites where applicants see revised and updated licensure and certification laws. Some of the most reliable websites include Illinois State Board of Education (http://www.isbe.net/licensure/) and Counselor-License (http://www.counselor-license.com/states/illinois-counselor-license.html). In order to remain current of all revisions and amendments to state laws, it is recommended that a Mental Health Counselor subscribe to newsletters and email alerts through the internet. In addition, one could frequently visit such websites and search for new messages posted on website page. Finally, a professional must register his or her license with the registration board for easier notification on any amendment or changes occurring.

References

American Counseling Association. (2010). Licensure Requirements for Professional Counselors.

Retrieved from

http://www.counseling.org/docs/licensure/72903_excerpt_for_web.pdf

idfpr. (2014, June 5). State of Illinois: Department of Financial and Professional

Regulation. State of Illinois : Department of Financial and Professional Regulation.

Retrieved August 24, 2014, from

http://www.idfpr.com/profs/info/ProfCounselor.asp

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Walt Disney Company’s leverage ratios

Walt Disney Company’s leverage ratios

Leverage ratios

The Walt Disney Company’s leverage ratios show a positive trend since the recession, which took place in the 2009 fiscal year. The debt to equity ratio took a 10% dip in 2009 due to the recession, but has increased roughly 5 percentage points since 2009. The 5% growth in the past 4 years is a positive trend since it means that The Walt Disney Company is getting more financial leverage and has a higher percentage of equity. Therefore, The Walt Disney Company is very safe in the debt to equity category. Similarly, the Interest Coverage ratio dipped in 2009 due to the recession, but has nearly doubled since 2009. Currently, Disney has the income to pay off 25 times the amount of interest expense that it incurred this past financial year. This is an excellent sign that The Walt Disney Company has no problems regarding interest payments.

Cash flow ratios

In the last 5 years, the cash flow adequacy numbers for The Walt Disney Company have been on a generally upward trend over the past 5 years. For the most part, cash flows to assets and cash flows to sales have steadily grown in the last 5 years, and have all now surpassed their pre-recession levels. While the cash flow yield has decreased slightly over the last three years, this is not data to worry about. Most of the decline is attributable to Disney paying off a large amount of the costs associated with building more theme parks and paying off payments on new cruise ships. Furthermore, the cash flow yield ratio has remained well above 100%, meaning that the company is generating a lot of income through their operating processes. The cash flow yield is very important for Disney since most of its revenues and income are brought in through the operations of its many resorts and theme parks. The increases of cash flow to sales and cash flows to assets further back up this positive trend, as Disney’s cash flows are totaling to more and more of its revenues and total assets, meaning the company is using its cash at a fast rate to help generate revenues and profits.

EPS

The price/earnings per share ratio is the more definitive measure of The Walt Disney Company’s stock compared to its competitors. The Walt Disney Company has maintained the most consistent growth of the three main competitors. Time Warner suffered non cash impairments due to the necessity to use higher discount rates for customers, which accounted for roughly 2/3 from of the decline in the fair value of their cable franchising rights. New Corporation experienced a similar impairment in 2009 of $113 million of which was attributed to the company’s “ability to hold its investment until recover and the investment’s financial strength and specific prospects.” All things considered, The Walt Disney Company maintains the industry standard with regards to the price/earnings ratio with a more consistent and predictable growth, with decreases in the price/earnings ratios coming only from 2010-2011. Overall, The Walt Disney Company the safest investment of the three.

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Letter Written to an Elected or Appointed Official

Letter Written to an Elected or Appointed Official

Letter Written to an Elected or Appointed Official

For this assignment, you will write a letter to an elected official. In approximately three pages, you should take a position, recommend some action, and back it up with the best reasoning you can; don’t just raise the issue or state a concern. Plan actually to send this letter; don’t treat it as simply a classroom exercise.

Choose a public policy issue related to a community health issue, an issue you care about strongly, and one about which you have some information or knowledge. It’s much easier to write with conviction if you really have that conviction; it requires real talent to fake it. On the other hand, you must approach your topic with enough objectivity to understand the opposing point of view and deal with those arguments in a reasoned way.

You should choose a specific recipient, a policy maker who is an appropriate audience for your opinion, such as Senator Warren or Markey, Congresswoman Lori Trahan (3rd Congressional District) or the congressperson in your district, your local state representatives, or the editors of the Sentinel and Enterprise. If you have a specialized issue, we can suggest other appropriate policy makers.

Your conclusion should recommend some action on someone’s part; don’t simply raise the issue and complain about the status quo. Moreover, be sure that the recipient of your letter is someone who has the power to take the action you recommend. Broadly, here are some guidelines: If you want a new law introduced (or if you want to support or oppose currently proposed legislation), write a legislator (Senators Warren or Markey, your local member of Congress, or the chair of the relevant House or Senate committee). The most effective thing the President can do is move public opinion; you should write to the President if you want him to take a public stand on some issue (or if you want him to sign or veto a particular piece of legislation that has passed out of Congress); the President doesn’t officially originate or introduce legislation, and he won’t even have his staff propose legislation for a legislator to introduce except on the biggest public policy issues (like health care or tax reform).

Formatting & Submission Guidelines

Length: Between 700 and 1400 words [if the word limit is far different for an actual comment you plan to submit, please discuss with course faculty].  Include a word count at the end of the document. 

Follow letter guidelines provided in useful links

Please do NOT include title pages; include only your name and the date in the document header. 

Due Dates:

First submission due 10/21/19: A hard copy of the completed letter is due at the beginning of class.

Failure to submit a copy of your letter will decrease your grade by 10 points each day it is late.

Letters will be reviewed for content, grammar and style, and then returned for revision. 80 pts out of 100

Final submission due 11/18/19: A hard copy of the final version will be due in class with a stamped envelope addressed to the representative. 20 points out of 100.

First Submission Grading Criteria:

Your grade will be based on:

Appropriate selection of a solicitation, agency/audience, and/or topic of your letter -5pts

Clear introduction of the topic and purpose of the letter -5pts

The topic selected is a public health concern related to the core concepts of the course – 10pts

Your supporting arguments are focused and relate to the topic of the letter – 15pts

The letter is persuasive and clearly communicates your message to your audience -15pts

Your letter demonstrates your understanding of the community health topic including use of supporting evidence – 15pts

Your integration of KEY concepts presented in this course with your own ideas and perspectives – 20pts

Grammar and Style – 5pts

Final Submission Grading Criteria:Your grade will be based on:

Revisions made to address faculty feedback related to content, grammar and style of the letter -15pts

A stamped envelope addressed to the intended recipient of the letter -5pts

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