Schram

Juvenile violent crime rates increased 62 from 1988 to 1993, and then declined by just 6 from 1993 through 1997, according to the Office of Juvenile Justice and Delinquency Prevention OJJDP . However, the rates for juvenile drug and curfew violations, sex offenses, and simple assaults have continued to increase. The greater the number of risk factors and the fewer the resiliency factors the greater the risk that a youth will commit a violent act. To prevent dangerousness in youth, we need to understand the sources of the problem and intervene appropriately. Youth with histories of aggression often have families that abuse or neglect them, expose them to domestic violence, exhibit untreated psychiatric or substance abuse problems, or are uninvolved in their children s lives. According to OJJDP, children with more than five risk community, family, individual, school, and peer and fewer than six protective factors have an 80 chance of committing future violent acts. If local community standards favor the use of drugs and firearms, and if there is an acceptance...

Many business, personal finance, and even general interest magazines will often feature articles on how best to make more money at what you do. If you re just waiting for your boss to come in your office and offer you a raise or promotion, don t hold your breath. Most people who successfully procure raises and promotions do so because they actively pursue them. There are several things you can do to give yourself an edge. Getting a trade or professional magazine subscription can pay for itself if you use it to your advantage. These publications are often where you will find the latest information on your industry, such as new technology, best practices, and profiles of industry leaders. This can help you in many ways. First, it may give you some helpful hints on that latest project you re working on, which might help you come in before schedule and under budget. Note: don t depend on others to keep track of these sorts of successes, make a list and take it with you at bonus raise negotiation time. Second, you will be armed with the latest information to...

I had to put some pieces inherited from Mother up for auction to gain some working capital and pay down debt. I like to think of it as she was there to help, but it was tough because they were pieces I had grown up with. I had never worked with an independent designer, so I was truly winging it. I made a lot of blunders, yet knowing I was pursuing my passion made it all possible. It was scary without a client for three months, so I stayed in catering for a year and a half. My classes were popular and soon I was seeing business growing. Referrals didn t really kick in until the eighteenth month mark, not unusual, but it seemed forever. In the meantime, I focused on abundance, on prosperity, and fought back any doubts. The Lesson: It is our doubts that betray us, and since what we think about expands, it is critical to focus exclusively though not blindly on positive results and achievements and let go the what ifs. Time to Think In 1999 I took five weeks off for a trip to Australia and New Zealand. It was during this trip that I reached some true milestones...

Record your findings. If you have less than 5 employees then you do not need to write anything down. Although you will find it useful to keep a written record of what you have done. If you have five or more employees, then you must put in writing the significant findings of your risk assessment. This means writing down the significant hazards and your conclusions. Examples might be something like: Electrical installations: insulation and earthing checked and found OK. or Fumes from welding: local exhaust ventilation provided and regularly checked. You must also tell your employees about your findings. Suitable and sufficient, not perfect. Risk assessment must be suitable and sufficient. You need to be able to show that: a proper check was made, you asked who might be affected at risk , you dealt with all the obvious significant hazards, taking into account the number of people who could be involved, the precautions are reasonable, and the remaining risk is low. Keep your written record for reference in the future. It will help you if a Health and Safety...

If you are like most people, you know that paying bills is an important part of maintaining good credit. If you are late or if you miss payment on a particular bill, you could soon find yourself hit with dunning letters or worse: your credit score could take a hit. Thanks to online bill paying those cares are done away with for the most part. If you aren t paying the majority of your bills online then you are missing out on a step that is convenient, affordable, and a great organizer. Online bill paying came of age in the late 1990s when many commercial banks began to encourage this option for their customers. Many banks charged a nominal monthly fee for this service but quickly did away with it once they realized that check processing fees were dropping dramatically and when small competitors rushed in to offer their online bill paying services for free. Starting online bill paying is easy and your current bank may already offer this for you. If so, simply ask your banking representative how to sign up and then take it from there. If you bank doesn t offer...