The Beginners Guide To (From Step 1)

Bullying: Prevention and Taking Action

There is a worrying trend of students with disabilities being attacked in school by classmates. Bullying, by itself, is a vice that needs to be stopped. It gets worse when the person being attacked is in such a position. Statistics go further to show that those with disabilities are twice as likely to be bullied. It is, therefore, important to learn more about this trend and to do something as a parent to safeguard your children.

Bullying is that constant treatment with acts of aggression against a person not able to defend themselves against such attacks at that moment. Bullies aim to harm their victims physically, mentally, and socially. Bullying is not always overt and physical, as there are subtle forms of bullying that are hard to point out. We now have a new problem in the form of cyberbullying, due to the adoption of smartphones and other communication devices in all areas of our lives. A special needs child will, therefore, suffer more significant damage from bullying.

While students with disabilities are more likely to be bullied, those with autism and orthopaedic conditions are more susceptible to that bullying. There will also be repeated cases of bullying in the future. Bullying has some lasting effects on the victims. There will be anxiety, depression and physical health issues. If you pay close attention, you will find your child has injuries that are not easy to explain, constant loss of their items like books, electronics, jewellery, changes in their eating habits like binge eating or skipping meals, trouble sleeping and nightmares, sunning school with various excuses, and self-destructive behaviour like self-inflicted harm and harbouring suicidal thoughts.

Each student has rights, whether with disabilities or otherwise. Those rights have to be respected, no matter your station in the education system. A good place to start in upholding those rights is to teach students, especially those with disabilities, how to express themselves better. Most schools focus on academic learning and less on social and emotional learning. The expectation that students will learn how to express themselves in social situations naturally does not work. Bullies thus find a perfect environment to carry out their plans.

There is also a need to sensitize the students on the harm caused by bullying. When everyone regards bullying as unacceptable behavior, and to have a proper system in place for reporting incidents of bullying, there will be a safer environment for all students.

There is also a need to act appropriately when you notice your child has been bullied. You need first to be supportive and let them know it is not their fault. You also need keenly to observe them for all the signs of bullying. Make a point of contacting their teacher immediately you spot those signs. If it is a severe case, you need to contact the principal directly.

It is a good idea to involve a student rights lawyer in such a case. When you feel all your attempts to get to the bottom of this case at school, or it keeps on persisting, you need to get the right legal help. The lawyer has experience in such matters and therefore knows how to approach it to get the right results. You can visit this site for more info.

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Factors to Consider when Visiting a Burnout Recovery Therapist

Burnout is a condition caused by exhaustion as a result of pressure mostly from your work place but also from other places like homes and social groups. Many people ignore mild burnouts not knowing how bad they can be if they become severe. Prolonged burnout could lead to health problems and even mental disorders. Before burnout destroys your life, it is best to visit a burnout recovery therapist. This article discusses some factors to consider when choosing a burnout recovery therapist.

You have to take into account the price of hiring a particular burnout therapist. Burnout therapists are usually quite expensive to hire since this is a novel profession whose services are in great demand. You should hire a reputable burnout therapist who can offer the necessary support, advice, and recovery plans that you need at an affordable cost. You can compare the prices of various burnout therapists to find the most affordable one. You should, however, not rush to hire an abnormally cheap therapist as they might be under qualified or even a scammer.

Another thing that you should look at is the reputation of the burnout therapist. Reputable burnout therapists have established themselves in the industry over time by treating the majority of their clients successfully. They provide their clients with useful tips and practices helping them recover. If you suffer from severe burnout, it is advisable to hire the most reputable therapist you can find. Renowned burnout therapists have a better understanding of how to tackle burnout problems effectively. Although reputable burnout therapists are more expensive to hire, it is advisable to do it if you can afford them because they have higher success rates.

You also have to consider the certification and accreditation details of the burnout therapist you want to hire. Burnout therapy is a profitable field that is growing in popularity and can attract importers. Like many psychological disorders, burnout is quite a delicate matter best left in the hands of experts. Unless a burnout therapist has all the necessary licenses and permits from relevant authorities, it is illegal for them to provide any services. Obtaining these documents is an expensive and time-consuming exercise, and many therapists might get tempted to start working without them. You should never hire a burnout therapist unless you can confirm their licensing and accreditation details. An unqualified therapist might be unable to help you recover successfully. This could harm you a lot in the future as your burnout syndrome will not stop.

Another factor that you should consider is the experience of the burnout therapist. You should prioritize experienced therapists over inexperienced ones. Older burnout therapists have successfully helped several clients with issues similar to yours get over their burnout syndrome. They also have a better understanding of how to address the needs of various individuals. Older therapists have also had the time to perfect their therapy techniques and can offer treatment to clients more effectively as a result. Despite them being expensive, it is worth it to hire experienced therapists for the sake of your health.

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Tips to Aid You In Selecting a Marriage Counseling Services

Marriage counseling services are crucial since it aids in solving disputes that normally exist in couples. A marriage counselor is considered to be a trained specialist that solves any disputes between spouses. It is crucial that a person picks the most ideal counselor to aid them in getting the best services. With a lot of facilities giving these services getting good marriage counseling services in a simple task. Nevertheless, with the appropriate information as well as knowledge a person can in an easy way make the appropriate decision and make sure they obtain the most ideal service to aid them in solving the marriage issues that they have. This article will, as a result, discuss a number of the elements to take into consideration when enlisting marriage counselors.

The initial aspect that you should look into when in search of the most ideal marriage counseling service is the qualifications that the staff member has. You need to go for a marriage counseling service that has staff that is qualified. The staff or even the marriage counselor is supposed to have been through proper training in counseling so as to be in a position of providing service that is of quality. Hence when selecting counselors you are supposed to know the qualifications possessed by a marriage counselor prior to considering to boom an appointment.

The second aspect to take into consideration when selecting a marriage counseling service is to consider a facility with neutral as well as unbiased marriage counselors. It is crucial to note that the counselor that you select is supposed to stay neutral and unbiased when the whole process takes place. They are not supposed to be one-sided. An expert marriage counselor is not supposed to side with either party and should strive constantly to be neutral. It is also crucial that you as well as your spouse make up your mind on the person to provide the expert advice together prior to enlisting any marriage counselor.

The third consideration you are supposed to make when in search of a marriage counseling service is the location. You need to select a clinic that is close to your home. A marriage counseling service that is close to your home has a lot of advantages. It makes sure that you are in a position of getting there on time for the appointments that you have with your chosen marriage counselor. It also aids in lowering the cost of the whole process since it reduces the transport cost. If need be, you are supposed to get a counseling service that you can walk from your home and get there on time so that you can fully do away with the transportation cost. With the advancement in technology, a person can in an easy way to get a good marriage counselor by simply conducting research on the internet. With all the mentioned factors taken into account, a good choice of a marriage counseling service can be made.

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Offshore Online Banking Guide – Critical Information You Must Know

There are several legal and regulatory compliance implications with offshore banking that I’d like to cover in this article. However, please don’t construe information on this site as legal guidance. I am providing this information for free based on my own experiences. Please consult your professional attorney or CPA (accountant) before you get involved with offshore internet banking.

What is an Offshore Bank

To be over simplistic, an offshore bank is a financial institution outside the shores of your country. If you are in Australia, a bank in the United States is an offshore bank to you. If you are in the United States, a bank in Singapore is an offshore bank to you. Therefore, the idea of offshore banking is relative.

A business or an individual, in this case you, may select an offshore bank account in a jurisdiction that is typically favorable in terms of taxes (often referred to as a tax haven by media), as well as in terms of legalities. In addition to choosing a jurisdiction with no to little income tax, for many, privacy and “secrecy” of banking activities are two of the bigger key considerations.

It goes without saying that access to your funds is important, as well as protection from corruption and stability in terms of certainty.

List of Common Offshore Online Banking Services

This is a brief list of services offered by offshore banks. This list is by no means a full comprehensive list of an offshore bank’s offerings, but rather a list of some of the most common offshore online banking services that businesses and individuals are offered:

  • Remote Deposits of funds
  • Direct Deposits of funds
  • ACH / Wire Transfers / EFT – Electronic Fund Transfers
  • Consumer and Commercial Lending
  • All Basic Credit Activities
  • Access to Capital – Offshore Debit Cards
  • Forex – Currency Exchange
  • Wealth Management
  • Offshore Trading Account
  • Offshore Brokerage Account
  • Administrative Services
  • Trustee Services

Note: Offshore banks typically tend to focus on either consumer or commercial banking. Within consumer, banks differentiate between retail consumer (the average individual) or private banking (meant for high net worth individuals).

Because each concentration involves a different cost structure from the bank’s perspective, when selecting an offshore bank for yourself, be clear on what type of consumer you are and what offshore online banking services you need. Gaining this clarity will ensure you are not disappointed in your choice.

List of Common Offshore Banks

No doubt the two most common names in offshore online banking are Switzerland and Cayman Islands. Just pick up any business journal or pop in a business based Hollywood flick. There is likely a mention of a Swiss bank account somewhere.

This is because as of at least 2012, these two jurisdictions held the most number of total deposits amongst all offshore online banks. Some other jurisdictions that offer offshore online banking are the following:

  • Singapore
  • Malaysia
  • Panama
  • Cook Islands
  • Dominica
  • Saint Kitts and Nevis
  • Antigua
  • Malaysia
  • Anguilla
  • New Zealand
  • Luxembourg
  • Bahamas
  • Barbados
  • Bermuda
  • British Virgin Islands
  • Cyprus
  • Cook Islands
  • Channel Islands
  • Monaco
  • Mauritius
  • Hong Kong
  • Malta
  • Macau
  • Regulating Offshore Online Banking

With complexity comes increasing regulation. The regulation around offshore online banking activities has steadily increased over the years, but according to many of its supporters it is still not enough. This means much more is in the pipelines. Regulation has particularly increased significantly after the significant events of September 11, 2011.

Regulatory guidance is issued and monitored by global bodies such as the International Monetary Fund or the IMF, who require financial institutions worldwide to maintain a certain level of operating or performance standard, specifically in terms of capital adequacy and liquidity. These key performance indicators are to be reported by banks on a quarterly basis to its designated regulator (such as the Fed or the FDIC in the United States).

The list of regulations is endless and quite comprehensive to say the least. Some notables are the Anti Money Laundering (AML) regulation and the Bank Secrecy Act (BSA). These acts require banks and financial institutions to immediately report suspicious activity resembling money laundering to local government authorities despite stepping out of the BSA jurisdiction.

Another example is the information sharing requirements between a certain group of countries with regards to capital flow and taxation which was initiated by members of the European Union. On the other side of the pond, the taxing body of the United States, the Internal Revenue Service (IRS) requires financial institutions to report to it names of businesses and individuals who benefited from interest income resulting from deposits in US based institutions.

The most notable in my opinion of recently enacted regulations is the US Patriot Act, which permits the US Government to seize all assets of a financial institution if it suspects that the institution holds assets that belong to a potential criminal. Several other countries have since followed suit.

I personally feel these regulations strengthen the global banking infrastructure. But then again I am just one person. There are others who feel in all sorts of ways about offshore online banking.

Interesting Fact: Did you know that just until the 1990s, individuals were allowed to create their very own offshore banks. This practice was stopped and now only large institutions are allowed to do so.

Connotations and Implications of Offshore Online Banking

It is not illegal to conduct offshore online banking, but such activities tend to carry with them a certain set of connotations and legal implications that you must be aware of and comply with. There can be severe fines, penalties and legal repercussions if you fail to comply with the legal and regulatory requirements.

Why you must be thinking? Because offshore banking historically has been used and abused by those who intended to evade taxes, as well as those that used funds for illegal causes. For example, organized crime networks heavily use offshore online banking to launder money.

But like I said, conducting offshore online banking isn’t an illegal activity. All persons conducting offshore online banking are required by most countries (depending on their residency) to disclose the activities and the outcomes, such as interest income for example.

Specifically in the United States for example, a US resident’s income is taxed on a global basis. This means that even interest earned overseas is subject to taxation by US authorities. Now although financial institutions are not required to disclose this information to countries of interest due the bank secrecy guidelines, individuals are required to disclose this information.

Similarly, one can legally avoid taxes in certain situations. For example, a resident of Country X living and working in the United Arab Emirates (UAE) may not have to pay taxes if Country X does not tax the individual’s global income.

Because there is no taxation on income earned in many Arab nations, interest income earned from deposits in a UAE bank account is not subject to tax. Further, the income is also not taxed in Country X. This is a common reason why so many affluent folks change residency and citizenship status, one that resonates most with their financial goals and objectives.

It’s a very interesting dynamic and there is a ton of opportunity for strategizing as you can imagine.

Dollar Concentration in Offshore Online Banking

Although offshore online banking is not a subject delved into by the average individual, the numbers involved (concentration of wealth and financial activity) are quite significant. You may find a lot of these simply fascinating.

For example, specialized banking economists and analysts indicate that half of the global capital (money) flows through one of the many offshore banks out there. The so called Tax Havens (think Switzerland) have over a quarter of the global wealth (think high net worth individuals and big companies). These Havens also hold over 30% of profits generated by companies based in the United States.

And that’s not it. Over 6 trillion US dollars owned by high net worth individuals are also reported to be held in offshore bank accounts in one shape or another.

Illegal Monies in Offshore Bank Accounts

Opportunists have identified weaknesses in the offshore banking system and thus have taken advantage of the systems to launder monies generated through illegal means and used for illegal purposes. According to the IMF, this amount is as large as 1.5 trillion US dollars on an annual basis. To put things in perspective for you, this is roughly 5% of the world’s total Gross Domestic Product (GDP).

In addition to illegal monies, there are also monies that have evaded taxation as well as monies that were generated through fraud, graft and corruption. All in all, the amounts are super significant. And as I stated above, the two jurisdictions with the biggest concentration of these amounts are the Cayman Islands and Switzerland (as of 2012).

Offshore Internet Banking for Corporations of All Sizes

I have already stated this earlier, but offshore online banking is not only for large companies, but companies of all sizes as well as individuals. There are a certain set of requirements that any institution, an individual or a company have to meet in order to open and maintain an offshore bank account.

In fact, it is easier for individuals to open and maintain an offshore bank account before companies are required to complete additional forms in a specific manner when establishing an offshore internet bank account.

Corporations typically engage in offshore online banking when they contemplate one or any mix of the following purposes.

  • Cost containment (bank fees and charges)
  • Paying and receiving payments from vendors and customers in local jurisdictions
  • Asset protection strategies
  • International acquisitions and investments
  • Compensating local employees in an offshore jurisdiction
  • Political reasons – Stability and predictability
  • Establishing a local business presence
  • Again, this is not a comprehensive list of why companies engage in offshore online banking. There are several other reasons why a company may decide to establish an offshore bank account. The only true way to find out the best offshore bank for you, and whether your objectives will be met through offshore internet banking is by speaking to a professional who can walk you through the entire process.

Concluding Thoughts on Offshore Internet Banking

I gave you a ton of information to read and digest in this article. As you have read, offshore internet banking is used by several different constituencies for several different purposes with several different intentions.

There are some significant advantages that can be derived from opening an offshore bank account such as entering new global markets and some serious offshore tax planning. I obviously recommend opening an offshore bank account for the right reasons, with full compliance with laws and regulations. For those contemplating abusing the system, understand that bank secrecy is a weakening concept, and one that will continue to weaken over the years.

Countries are increasingly sharing information, some voluntarily and some while succumbing to pressure by more powerful nations such as the United States.

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