Unintended Consequences of DMEPOS Competitive Bidding

June 14, 2017

Medicare’s DMEPOS Competitive Bidding Program has been in the public eye before its implementation in January 1, 2011 with lots of clamor on its possible negative impact on the Medicare population. DMEPOS or durable medical equipment, prosthetics, orthotics, and supplies include wheelchairs, oxygen concentrators, pacemakers, hospital beds, prosthetic limbs and other medical equipment intended for typical elderly and/or disabled.

The Centers for Medicare and Medicaid Services (CMS) competitive bidding program for durable medical equipment give emphasis on price competition among suppliers and providers. The innovation made on DMEPOS competitive bidding program greatly affects vulnerable medical beneficiaries of Medicare specifically on their freedom of choice, access and avail quality DME supplies. During the testing phase of the competitive bidding program, major problems were encountered by patients and beneficiaries that include additional costs to Medicare for numerous emergency room visits and longer hospital confinement, unfamiliar DME providers, and inaccessibility to vital equipment and services.

The CMS Medicare program will also take its toll on the marketplace with DME suppliers and providers engage in cutthroat economic competition to get their bid approved. Reduction in the cost of durable medical supplies will lead to inferior product quality and service for Medicare beneficiaries. Most DME bidders will resort to “predatory” and “suicide” bidding that result to unrealistically low bid prices. Small players in the bidding market such as Dallas medical supplies companies will have a hard time competing with large firms. The DMEPOS Competitive Bidding Program could take out most trusted and preferred DME suppliers of Medicare beneficiaries.

Various Home Medical Equipment (HME) organizations and advocacy groups are lobbying for the repeal of the competitive bidding program from influential members of the House of Representative. Certain bills for its repeal or modification are already sponsored for deliberation in the US Congress. Toll-free numbers are set up by HME groups for queries, feedbacks and updates of the program. The competitive bidding will affect nine major metropolitan areas of Charlotte, N.C.; Cleveleand, Dallas-Fort Worth, Cincinnati, Kansas City, Orlando, Miami, Pittsburgh and Riverside, CA. The unintended consequences of DMEPOS Competitive Bidding have yet to come and change the culture of the United States Medicare program.

Effects of stress

June 30, 2017

Do you have problems with anxiety or stress?You must know all effects of stress. Stress isn’t some thing that isn’t important and if you think that it is you will be in trouble. Stress can result on your healthy and that is very bad. You can have problem with healthy because you didn’t rid of your problems and stress.
Usually when you have stress your heart beats faster you are upset and you increase blood pressure.
But more about that below. There are lot of advices and effects that I will explain to you below
1.You have to think that you will relief stress and he will gone. That isn’t so hard. Just relax and think on better stuffs and don’t say that you have problems with stress anymore and forgot about them. There are much stress reliefs techniques that you can choose and help yourself. Choose what is best for you and enjoy. You will see that is very helpful.
2.Also you maybe think that when you drink alcohol or smoke cigarets you help to relief stress. But that isn’t good. You can become depend from cigarets or alcohol and that will produce more stress,depression and problems. So you have to find the healthier ways and reliefs techniques to rid of stress.
3.I already said that you must find the best relief technique for you. That is very important because it isn’t your body exactly same like with some other man or woman. That is important because not everyone experience stress in the same way.
4.You probably don’t know but stress can result on your physical look. That mean that you can look older than you are and I know that anyone want that. So relax you wont do anything if you think just on your problems.
5.You can help in reducing stress if you change some your usually things that you do. For change you can start do exercises or take a diet. That will motivate you and you will feel better. Maybe your stress is reduced by some bad things that you do and change them if you think that they aren’t good.

Choosing an Online Payday Lender

July 14, 2017

What is Payday Loan?

A payday loan is quick monetary assistance in the form of a loan to be repaid on your next pay date. Online payday loans are the easiest method to obtain necessary cash quickly when you find yourself between paychecks.

Choosing an Online Payday Lender?

There are some crucial steps when choosing your online payday lender. When applying for a payday loan or cash advance, go for only one at a time. Let’s look at other necessary points to consider before you start to fill an application on the internet.

1. Take into consideration how professional the lender’s site is. You don’t want it to be badly organized.

2. Pay attention to how the site presents information. Clarity, relevance and usefulness are important indicators of quality.

3. A good site will have key questions answered in a payday loan FAQ section.

4. If there are expected to pay any fees up-front before your application is processed, that’s a red light.

5. Check to see if it has a clear Security and Privacy Policy that you can read.

6. Some payday lenders may promise a quick or even an instant approval with little requirements from you. Beware of them!

7. WARNING! – Don’t use payday lenders who do not have a valid SSL certificate. You risk your personal and financial information being exposed to unwanted parties.

8. The site must have an easy way to contact the lender in case there are any problems. It should have an email address and a form on a “Contact US” page

What Makes Wellington Boots Such a Very British Item of Footwear?

June 15, 2017

Looking back through history, it all seems to have started in the eighteenth century when a boot called the Hessian boot, initially used by the military, became widely worn by everybody else. Hessian boots had a low heel, quite a pointed toe (useful for mounted troops for ease of using the stirrups) and were knee high.

This style of boot became popular amongst the British aristocracy in the nineteenth century and it was the first Duke of Wellington that popularised it. The Duke had his own version of the Hessian boot made. There were many alterations and the resulting style is nothing like the wellington boots we know today, but his new boot was dubbed “The Wellington” and the name lives on today.

“The Wellington” was still made of leather and remained very fashionable in Britain until the mid nineteenth century. Then in 1853 a man called Hiram Hutchinson started making them out of rubber and established his company Aigle who are of course still going today in France. The new waterproof rubber wellington was very popular among agricultural workers in France.

Then it was the two World Wars that dramatically inflated a need for waterproof knee high boots, and lots of them! Soldiers were in need of suitable footwear for the flooded trenches and it was the North British Rubber Company (now Hunter Boot Limited) that came to the rescue. When the wars were over, the Wellington had become very popular among men, women and children as the best footwear for wet weather.

What makes them so British is of course the influence of the weather, they really were and still are essential footwear for outdoor life on a rainy island.

Aside from the two World Wars and the weather, the other big influence was by a member of the aristocracy again. It was the Duke of Wellington in the eighteenth century and the Princess of Wales in the twentieth. When the Princess was photographed wearing Hunter wellies, a brand new welly craze began all over again.

So they really are a very British type of footwear. Waterproof footwear that is expected to be inexpensive, durable (lasting at least twenty years!), comfortable and easy.

British people nowadays buy little canvas houses for their beloved wellies and children positively think they are alive. Every child has at least five books in their collection that feature wellies. Children also love them because they can put them on themselves from a young age and can splash in puddles without being told off for getting their shoes or clothes wet.

Minimizing Internet Marketing Risks

June 30, 2017

How well you understand internet marketing risks will make or break you.

Despite rumors of all of the easy internet riches that await the entrepreneur, instant millionaires and DOT-COM legends, there is also a genuine ugliness to the web. Unknown to newcomers, the internet is not safe, and to the unprepared it can be outright dangerous. As an analogy, let us consider a fictitious hero facing peril, escaping danger and winning the day in the end. It makes for an exciting story, but in reality we should stick with the “safe and boring.”

People ARE out to get you on the internet. If you are not careful they can, and will, take your money and run. Deceit can come from both small and big internet businesses alike.

The first part of setting up any Internet marketing campaign is to sign a marketing agreement or contract. You will be legally bound to the terms and conditions of the agreement. If you are not careful, you may be legally bound to a disaster. Most importantly, do not risk more than you can afford to lose.

“During the start-up days of my company, a PPC marketing contract was created with a Tier 2 PPC search engine company. The contract reserved key-word based search engine traffic to the websites I was interested in marketing. Everything was laid out in black and white – or so I though. Unfortunately through purposeful trickery on the part of search engine, and my hastily signed marketing agreement, this search engine socked us for thousands of dollars of unplanned expenses. Buried within the contract, they claimed that it could over-deliverdouble the amount of web traffic indicated. One simple line stated Campaign $15,000 -double’. When my campaign came due at the end of the month, the bill was for $30,000. The salesman did not inform me that the campaign would be doubled, there was no definition or explanation of what ‘-double’ meant, and I did not look closely enough at the contract to notice or ask what it was there for. I of course refused to pay ‘double’ and they immediately threatened with legal action. It was a mess.”

You must carefully read and scrutinize every word of your contracts. If you don’t understand everything clearly, then have it cleared up before signing. Below are other fundamentals in minimizing the internet marketing risks embedded within a contract.

Minimizing Contract Obligation Risks:

  • Minimize Contract Duration – Approach every contract and agreement as if something could go wrong. Limit your risk and have a way out if things turn ugly. One critical step is to minimize the length of every contract. Most companies want you to sign a long-term agreement lasting 1-2 years. Don’t fall for it. Negotiate the shortest length of contract possible by asking for reduced obligation, such as 3 months or 6 months. If the campaign goes well, your vendor will be more than happy to renew, but if it does not you will need a quick way out.
  • Performance Based Services – One miracle of the internet is the allowance of “Performance-Based” marketing campaigns, where you only pay the advertiser when a sale or request is generated for you. Hence, you don’t pay unless you receive a business acquisition. Many internet marketing companies allow performance based marketing campaigns, so seek these companies out first. Purchasing internet media, such as impressions, emails distributed, sponsorships, etc., are all a gamble and the odds are against you. There are exceptions of course, but wherever possible, implement campaigns where you pay only after you get what you want.
  • Minimize internet marketing risk by minimizing the campaign size – Every salesman will want a giant obligation from you. Don’t be oversold, you must understand that there is a good chance that any campaign can fail and you will need to minimize your financial risks and obligations. Approach every campaign as a “minimum sized test” and if all goes well then you can expand the campaign the next go-around. Why obligate you and your company for a large campaign, when a smaller campaign will do just as well? As your relationship and trust level grows, then you may consider a high-scaled commitment.
  • Sharing Marketing Resources – Not every company can or is willing to make the pre-payments necessary to launch a large marketing campaign. You may also find yourself in a situation where more leads or sales are coming in than you can handle. These issues can be resolved by finding a buddy. There are other companies out there just like you, doing the same thing and operating with a similar budget. Consider joining resources with another company or friend and launch a campaign cooperatively. Pool your resources and spread the costs and internet marketing risks. By working cooperatively, you can engage in internet marketing resources that would otherwise be unreachable.
  • Identifying Online Fraud – Fraud happens, and it is common. Fraud can range from a tiny and almost unnoticeable incident on through to a glaring unmistakable disaster. Fraud is prevalent when dealing with performance based campaigns, but it can happen with other internet marketing techniques as well. Learning to identify fraud before it becomes serious is vital. Fraud generally affects the sales lead industry more than the retail industry, but both are susceptible. Your first line of defense is through your website, where fraudulent activities can often be detected. For example, a performance-based sales lead generation campaign may receive a lead with a Texas phone number, a Colorado zip code and a reported State of residence as Georgia. Your website must be smart enough to detect these inaccuracies.

Fraud Identification and Prevention Tips:

  • Does the information provided make geographical sense? Can someone with a Texas phone number live in Georgia? Is someone opening up a phone book and generating a fake sales lead that you have to pay for? Reduce your internet marketing risk by focusing on an elaborate lead validation script within your website.
  • Every person who navigates the web is doing so with a unique and identifiable IP address. If you receive multiple sales leads, each lead should come with its own IP address. If you are receiving many leads from the same IP address, then there is fraud. Your website designer should be able to track the IP address of every individual who is generating a lead on your website. If they can’t, then get a new designer or find help if you are designing your own website.
  • For retail sales, does the name of the credit card match the name of the person who is making the purchase? Allow zero tolerance when credit card information does not match contact information. Make a follow-up phone call for international orders, as international internet business is plagued with fraud and is a large source for internet marketing risk.
  • Spot-check your leads and retail sales sources. Periodically call the person who generated the acquisition. Make any excuse you can, such as a “customer satisfaction survey.”
  • If a lead or retail sale fails your validation process, and you suspect fraud, DO NOT tell the lead generation provider “why” validation failed. Telling a fraud why validation failed is the same as providing them instructions on how to cheat you next time. If you are uncertain if your data is fraudulent, then verify the lead information manually, and ask if their request was genuine. An example would be when you receive that sales lead with a Texas phone number and they state that they live in Georgia. Your website should NOT say “sorry, but the State and phone number reported do not match.” A fraud will just click the “back” button, correct the mistake, and try again. Rather, just accept the lead and pretend everything went okay, but do not give sales credit for the fradulent lead that was generated. Record the IP address of the fraudulent lead, and block that IP from being able to generate a lead ever again. The fraud will not gain information about how to foil you next time.

Importance of Campaign Tracking and Traffic Analytics
Campaign Tracking plays a direct role with respect to minimizing internet marketing risk. Web tracking is your key in determining which advertising campaigns work and which do not. Be sure to implement web tracking in a manner that each advertising source can be individually monitored so that the poor performing campaigns can be weeded out. Powerful web tracking resources can be implemented for free with useful tools such as Google Analytics, or in great detail through professional paid tracking accounts.

Don’t Let Your Guard Down
Internet marketing can be volatile. What is working and generating sales today may be broken tomorrow. It is common for an effective marketing resource to become non-productive despite its prior successes. It is so common in fact, that the chance of you losing a viable internet marketing resource is probable, or even eminent. SEO may inexplicably fail and all associated sales cease virtually overnight. Your offer may become “old” and over-saturated across Affiliate Networks or your audience. A competitor may wedge you out, or dilute the market with their advertising. Vendors who were once effective may start sending you junk, or sales lead sources may decline leaving your phones too quiet for comfort. A myriad of unexpected internet marketing failures can and will happen, and you must be prepared to compensate. Whenever you become highly dependent on only one marketing channel, you are at risk. To combat this crisis, be sure to have a backup plan. Qualify multiple vendors or traffic sources and be ready to make the switch on short notice. If you don’t have a backup plan, you may panic due to your sudden loss in business and make hasty and inappropriate decisions that only worsen your situation, and expose you to increased internet marketing risk.

Keep on the defense with regard to internet marketing risk, and don’t be naive toward hostile intentions against you. Knowledge and preparation will significantly minimize your risks. With a good defense and knowledge of what is out there, you can shrug off lurking internet dangers or avoid them altogether. What remains is the marketing miracle of the internet.

Search Results

June 17, 2017

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How to Easily Shop For Shoes

July 4, 2017

It has been said that shopping is a woman’s best exercise. This may be true in a certain degree as it has been noted that women in general really enjoy roaming around the mall just to find the perfect item they want to buy. But as much as women love to shop, it is still best that the time for shopping is lessened as much as possible. Doing this will give you more time to do other things of importance.

Shoes, for example, are products that give women a hard shopping time, making them lurk around the mall for longer hours. So when it comes to shopping for them, how can you use your time in order to get the perfect fit?

First and foremost, know what kind of shoes you are looking for. Are you looking for running shoes for working out? Or perhaps you are looking for shoes that you will wear at the office? Or maybe you want to buy a pair of fashionable boots that you can wear for a party? Make sure that this is clear before you go wandering around the mall in order to prevent you from being sidetracked into buying other shoes that you don’t need. Also, know your allotted budget for you to essentially narrow down your choices of shoes.

When shopping for shoes, it is better that you go to a specialty store than going to a department store. This is because the people at the specialty store are much, much more knowledgeable about the products and that is one thing that you should really have, someone you can trust to give you good advice. Doing this will help you to find what you are really looking for–functional, nice, and durable pair of shoes.

Make it also a habit to shop later in the day. Our feet have the characteristic to be swollen after being used for sufficient hours in a day. Shopping while in this condition would assure you that the shoes that you will purchase will still suit perfectly to the shape of your feet even after your feet have already expanded. This is a good move to prevent the intense pain that you could experience when you’ve used the shoes for longer hours.

Also, bear in mind the age of the one who will wear the shoes as those in the younger ages are most likely still in the growing process. It is wise that you put some allowances to give an appropriate space for the feet’s growth. Doing this will also save your money and time as you will not need to buy new pairs of shoes constantly.

Take time to examine the shoes before trying them on. This will save you time and effort as you will only allot your time trying the ones that potentially suit you. When trying them, make sure that you walk around the shop to make sure that they indeed are perfect for your feet.

Home Buyers and Sellers Real Estate Glossary

July 3, 2017

Every business has it’s jargon and residential real estate is no exception. Mark Nash author of 1001 Tips for Buying and Selling a Home shares commonly used terms with home buyers and sellers.

1031 exchange or Starker exchange: The delayed exchange of properties that qualifies for tax purposes as a tax-deferred exchange.

1099: The statement of income reported to the IRS for an independent contractor.

A/I: A contract that is pending with attorney and inspection contingencies.

Accompanied showings: Those showings where the listing agent must accompany an agent and his or her clients when viewing a listing.

Addendum: An addition to; a document.

Adjustable rate mortgage (ARM): A type of mortgage loan whose interest rate is tied to an economic index, which fluctuates with the market. Typical ARM periods are one, three, five, and seven years.

Agent: The licensed real estate salesperson or broker who represents buyers or sellers.

Annual percentage rate (APR): The total costs (interest rate, closing costs, fees, and so on) that are part of a borrower’s loan, expressed as a percentage rate of interest. The total costs are amortized over the term of the loan.

Application fees: Fees that mortgage companies charge buyers at the time of written application for a loan; for example, fees for running credit reports of borrowers, property appraisal fees, and lender-specific fees.

Appointments: Those times or time periods an agent shows properties to clients.

Appraisal: A document of opinion of property value at a specific point in time.

Appraised price (AP): The price the third-party relocation company offers (under most contracts) the seller for his or her property. Generally, the average of two or more independent appraisals.

“As-is”: A contract or offer clause stating that the seller will not repair or correct any problems with the property. Also used in listings and marketing materials.

Assumable mortgage: One in which the buyer agrees to fulfill the obligations of the existing loan agreement that the seller made with the lender. When assuming a mortgage, a buyer becomes personally liable for the payment of principal and interest. The original mortgagor should receive a written release from the liability when the buyer assumes the original mortgage.

Back on market (BOM): When a property or listing is placed back on the market after being removed from the market recently.

Back-up agent: A licensed agent who works with clients when their agent is unavailable.

Balloon mortgage: A type of mortgage that is generally paid over a short period of time, but is amortized over a longer period of time. The borrower typically pays a combination of principal and interest. At the end of the loan term, the entire unpaid balance must be repaid.

Back-up offer: When an offer is accepted contingent on the fall through or voiding of an accepted first offer on a property.

Bill of sale: Transfers title to personal property in a transaction.

Board of REALTORS® (local): An association of REALTORS® in a specific geographic area.

Broker: A state licensed individual who acts as the agent for the seller or buyer.

Broker of record: The person registered with his or her state licensing authority as the managing broker of a specific real estate sales office.

Broker’s market analysis (BMA): The real estate broker’s opinion of the expected final net sale price, determined after acquisition of the property by the third-party company.

Broker’s tour: A preset time and day when real estate sales agents can view listings by multiple brokerages in the market.

Buyer: The purchaser of a property.

Buyer agency: A real estate broker retained by the buyer who has a fiduciary duty to the buyer.

Buyer agent: The agent who shows the buyer’s property, negotiates the contract or offer for the buyer, and works with the buyer to close the transaction.

Carrying costs: Cost incurred to maintain a property (taxes, interest, insurance, utilities, and so on).

Closing: The end of a transaction process where the deed is delivered, documents are signed, and funds are dispersed.

CLUE (Comprehensive Loss Underwriting Exchange): The insurance industry’s national database that assigns individuals a risk score. CLUE also has an electronic file of a properties insurance history. These files are accessible by insurance companies nationally. These files could impact the ability to sell property as they might contain information that a prospective buyer might find objectionable, and in some cases not even insurable.

Commission: The compensation paid to the listing brokerage by the seller for selling the property. A buyer may also be required to pay a commission to his or her agent.

Commission split: The percentage split of commission compen-sation between the real estate sales brokerage and the real estate sales agent or broker.

Competitive Market Analysis (CMA): The analysis used to provide market information to the seller and assist the real estate broker in securing the listing.

Condominium association: An association of all owners in a condominium.

Condominium budget: A financial forecast and report of a condominium association’s expenses and savings.

Condominium by-laws: Rules passed by the condominium association used in administration of the condominium property.

Condominium declarations: A document that legally establishes a condominium.

Condominium right of first refusal: A person or an association that has the first opportunity to purchase condominium real estate when it becomes available or the right to meet any other offer.

Condominium rules and regulation: Rules of a condominium association by which owners agree to abide.

Contingency: A provision in a contract requiring certain acts to be completed before the contract is binding.

Continue to show: When a property is under contract with contingencies, but the seller requests that the property continue to be shown to prospective buyers until contingencies are released.

Contract for deed: A sales contract in which the buyer takes possession of the property but the seller holds title until the loan is paid. Also known as an installment sale contract.

Conventional mortgage: A type of mortgage that has certain limitations placed on it to meet secondary market guidelines. Mortgage companies, banks, and savings and loans underwrite conventional mortgages.

Cooperating commission: A commission offered to the buyer’s agent brokerage for bringing a buyer to the selling brokerage’s listing.

Cooperative (Co-op): Where the shareholders of the corporation are the inhabitants of the building. Each shareholder has the right to lease a specific unit. The difference between a co-op and a condo is in a co-op, one owns shares in a corporation; in a condo one owns the unit fee simple.

Counteroffer: The response to an offer or a bid by the seller or buyer after the original offer or bid.

Credit report: Includes all of the history for a borrower’s credit accounts, outstanding debts, and payment timelines on past or current debts.

Credit score: A score assigned to a borrower’s credit report based on information contained therein.

Curb appeal: The visual impact a property projects from the street.

Days on market: The number of days a property has been on the market.

Decree: A judgment of the court that sets out the agreements and rights of the parties.

Disclosures: Federal, state, county, and local requirements of disclosure that the seller provides and the buyer acknowledges.

Divorce: The legal separation of a husband and wife effected by a court decree that totally dissolves the marriage relationship.

DOM: Days on market.

Down payment: The amount of cash put toward a purchase by the borrower.

Drive-by: When a buyer or seller agent or broker drives by a property listing or potential li
sting.

Dual agent: A state-licensed individual who represents the seller and the buyer in a single transaction.

Earnest money deposit: The money given to the seller at the time the offer is made as a sign of the buyer’s good faith.

Escrow account for real estate taxes and insurance: An account into which borrowers pay monthly prorations for real estate taxes and property insurance.

Exclusions: Fixtures or personal property that are excluded from the contract or offer to purchase.

Expired (listing): A property listing that has expired per the terms of the listing agreement.

Fax rider: A document that treats facsimile transmission as the same legal effect as the original document.

Feedback: The real estate sales agent and/or his or her client’s reaction to a listing or property. Requested by the listing agent.

Fee simple: A form of property ownership where the owner has the right to use and dispose of property at will.

FHA (Federal Housing Administration) Loan Guarantee: A guarantee by the FHA that a percentage of a loan will be underwritten by a mortgage company or banker.

Fixture: Personal property that has become part of the property through permanent attachment.

Flat fee: A predetermined amount of compensation received or paid for a specific service in a real estate transaction.

For sale by owner (FSBO): A property that is for sale by the owner of the property.

Gift letter: A letter to a lender stating that a gift of cash has been made to the buyer(s) and that the person gifting the cash to the buyer is not expecting the gift to be repaid. The exact wording of the gift letter should be requested of the lender.

Good faith estimate: Under the Real Estate Settlement Procedures Act, within three days of an application submission, lenders are required to provide in writing to potential borrowers a good faith estimate of closing costs.

Gross sale price: The sale price before any concessions.

Hazard insurance: Insurance that covers losses to real estate from damages that might affect its value.

Homeowner’s insurance: Coverage that includes personal liability and theft insurance in addition to hazard insurance.

HUD/RESPA (Housing and Urban Development/Real Estate Settlement Procedures Act): A document and statement that details all of the monies paid out and received at a real estate property closing.

Hybrid adjustable rate: Offers a fixed rate the first 5 years and then adjusts annually for the next 25 years.

IDX (Internet Data Exchange): Allows real estate brokers to advertise each other’s listings posted to listing databases such as the multiple listing service.

Inclusions: Fixtures or personal property that are included in a contract or offer to purchase.

Independent contractor: A real estate sales agent who conducts real estate business through a broker. This agent does not receive salary or benefits from the broker.

Inspection rider: Rider to purchase agreement between third party relocation company and buyer of transferee’s property stating that property is being sold “as is.” All inspection reports conducted by the third party company are disclosed to the buyer and it is the buyer’s duty to do his/her own inspections and tests.

Installment land contract: A contract in which the buyer takes possession of the property while the seller retains the title to the property until the loan is paid.

Interest rate float: The borrower decides to delay locking their interest rate on their loan. They can float their rate in expectation of the rate moving down. At the end of the float period they must lock a rate.

Interest rate lock: When the borrower and lender agree to lock a rate on loan. Can have terms and conditions attached to the lock.

List date: Actual date the property was listed with the current broker.

List price: The price of a property through a listing agreement.

Listing: Brokers written agreement to represent a seller and their property. Agents refer to their inventory of agreements with sellers as listings.

Listing agent: The real estate sales agent that is representing the sellers and their property, through a listing agreement.

Listing agreement: A document that establishes the real estate agent’s agreement with the sellers to represent their property in the market.

Listing appointment: The time when a real estate sales agent meets with potential clients selling a property to secure a listing agreement.

Listing exclusion: A clause included in the listing agreement when the seller (transferee) lists his or her property with a broker.

Loan: An amount of money that is lent to a borrower who agrees to repay the amount plus interest.

Loan application: A document that buyers who are requesting a loan fill out and submit to their lender.

Loan closing costs: The costs a lender charges to close a borrower’s loan. These costs vary from lender to lender and from market to market.

Loan commitment: A written document telling the borrowers that the mortgage company has agreed to lend them a specific amount of money at a specific interest rate for a specific period of time. The loan commitment may also contain conditions upon which the loan commitment is based.

Loan package: The group of mortgage documents that the borrower’s lender sends to the closing or escrow.

Loan processor: An administrative individual who is assigned to check, verify, and assemble all of the documents and the buyer’s funds and the borrower’s loan for closing.

Loan underwriter: One who underwrites a loan for another. Some lenders have investors underwrite a buyer’s loan.

Lockbox: A tool that allows secure storage of property keys on the premises for agent use. A combo uses a rotating dial to gain access with a combination; a Supra® (electronic lockbox or ELB) features a keypad.

Managing broker: A person licensed by the state as a broker who is also the broker of record for a real estate sales office. This person manages the daily operations of a real estate sales office.

Marketing period: The period of time in which the transferee may market his or her property (typically 45, 60, or 90 days), as directed by the third-party company’s contract with the employer.

Mortgage banker: One who lends the bank’s funds to borrowers and brings lenders and borrowers together.

Mortgage broker: A business that or an individual who unites lenders and borrowers and processes mortgage applications.

Mortgage loan servicing company: A company that collects monthly mortgage payments from borrowers.

Multiple listing service (MLS): A service that compiles available properties for sale by member brokers.

Multiple offers: More than one buyers broker present an offer on one property where the offers are negotiated at the same time.

National Association of REALTORS® (NAR): A national association comprised of real estate sales agents.

Net sales price: Gross sales price less concessions to the buyers.

Off market: A property listing that has been removed from the sale inventory in a market. A property can be temporarily or permanently off market.

Offer to purchase: When a buyer proposes certain terms and presents these terms to the seller.

Office tour/caravan: A walking or driving tour by a real estate sales office of listings represented by agents in the office. Usually held on a set day and time.

Parcel identification number (PIN): A taxing authority’s tracking number for a property.

Pending: A real estate contract that has been accepted on a property but the transaction has not closed.

Personal assistant: A real estate sales agent administrative assistant.

Planned unit development (PUD): Mixed-use development that sets aside areas for residential use, commercial use, and public areas such as schools, parks, and so on.

Preapproval: A higher level of buyer/borrower prequalification required by a mortgage lender. Some preapprovals have conditions the borrowe
r must meet.

Prepaid interest: Funds paid by the borrower at closing based on the number of days left in the month of closing.

Prepayment penalty: A fine imposed on the borrower by the lender when the loan is paid off before it comes due.

Prequalification: The mortgage company tells a buyer in advance of the formal mortgage application, how much money the borrower can afford to borrow. Some prequalifications have conditions that the borrower must meet.

Preview appointment: When a buyer’s agent views a property alone to see if it meets his or her buyer’s needs.

Pricing: When the potential seller’s agent goes to the potential listing property to view it for marketing and pricing purposes.

Principal: The amount of money a buyer borrows.

Principal, interest, taxes, and insurance (PITI): The four parts that make up a borrower’s monthly mortgage payment. Private mortgage insurance (PMI): A special insurance paid by a borrower in monthly installments, typically of loans of more than 80 percent of the value of the property.

Professional designation: Additional nonlicensed real estate education completed by a real estate professional.

Professional regulation: A state licensing authority that oversees and disciplines licensees.

Promissory note: A promise-to-pay document used with a contract or an offer to purchase.

R & I: Estimated and actual repair and improvement costs.

Real estate agent: An individual who is licensed by the state and who acts on behalf of his or her client, the buyer or seller. The real estate agent who does not have a broker’s license must work for a licensed broker.

Real estate contract: A binding agreement between buyer and seller. It consists of an offer and an acceptance as well as consideration (i.e., money).

REALTOR®: A registered trademark of the National Association of REALTORS® that can be used only by its members.

Release deed: A written document stating that a seller or buyer has satisfied his or her obligation on a debt. This document is usually recorded.

Relist: Property that was listed with another broker but relisted with a current broker.

Rider: A separate document that is attached to a document in some way. This is done so that an entire document does not need to be rewritten.

Salaried agent: A real estate sales agent or broker who receives all or part of his or her compensation in real estate sales in the form of a salary.

Sale price: The price paid for a listing or property.

Seller (owner): The owner of a property who has signed a listing agreement or a potential listing agreement.

Showing: When a listing is shown to prospective buyers or the buyer’s agent (preview).

Special assessment: A special and additional charge to a unit in a condominium or cooperative. Also a special real estate tax for improvements that benefit a property.

State Association of REALTORS®: An association of REALTORS® in a specific state.

Supra®: An electronic lockbox (ELB) that holds keys to a property. The user must have a Supra keypad to use the lockbox.

Temporarily off market (TOM): A listed property that is taken off the market due to illness, travel, needed repairs, and so on.

Temporary housing: Housing a transferee occupies until permanent housing is selected or becomes available.

Transaction: The real estate process from offer to closing or escrow.

Transaction management fee (TMF): A fee charged by listing brokers to the seller as part of the listing agreement.

Transaction sides: The two sides of a transaction, sellers and buyers. The term used to record the number of transactions in which a real estate sales agent or broker was involved during a specific period.

24-hour notice: Allowed by law, tenants must be informed of showing 24 hours before you arrive.

Under contract: A property that has an accepted real estate contract between seller and buyer.

VA (Veterans Administration) Loan Guarantee: A guarantee on a mortgage amount backed by the Department of Veterans Affairs.

Virtual tour: An Internet web/cd-rom-based video presentation of a property.

VOW’s (Virtual Office web sites): An Internet based real estate brokerage business model that works with real estate consumers in same way as a brick and mortar real estate brokerage.

W-2: The Internal Revenue form issued by employer to employee to reflect compensation and deductions to compensation.

W-9: The Internal Revenue form requesting taxpayer identification number and certification.

Walk-through: A showing before closing or escrow that permits the buyers one final tour of the property they are purchasing.

Will: A document by which a person disposes of his or her property after death.

Economic Recession Blues – Hospitals Aren't an Exception

July 3, 2017

In its most recent update, the International Monetary Fund (IMF) announced that world growth is forecast to fall to its lowest level since World War II. And with the US being one of the worst hit, the hospital business, an integral part of the medical marketplace, and often regarded as recession proof is beginning to feel the heat.

Despite the fact that hospitals aren’t hit the way the way the automotive sector or the retail has been, and that people will continue to fall sick irrespective of the economy, it seems that the number of people seeking medical care and the profitability of hospitals don’t walk hand-in-hand.

Growth stunted & patients decreasing

A recent report by the American Hospital Association (AHA) finds that the sputtering economy has already led to 45% of hospitals to postpone forthcoming capital projects, with about 13% being forced to completely stall any expansion projects already underway. The AHA report included 639 hospitals in the study.

Further, experts believe that even though people continue to fall sick they’re postponing, most treatments if not all, which can be classified as elective. The credit for the prevailing scenario goes to all the layoffs and the slowing economy. As per the Bureau of Labor Statistics the month of December saw some of the worst layoff figures, as there were 2,275 mass layoff actions, involving 226,117 workers.

What seems worse is that aside from foregoing elective treatments, patients seem to be avoiding essential drugs, with many actually abusing prescription drugs, such as narcotic painkillers , sedatives and tranquilizers and stimulants.

As a consequence, hospitals are reeling under delayed hospital equipment and supply purchases, declining patient visits, reduced staff with no fresh hiring, unpaid medical bills, in addition to ceasing any construction projects. The AHA survey, released in November last year found that patient visits were static or had decreased during the third quarter of 2008, and the cases of unpaid medical bills for hospitals registered a hike of 8%.

The government’s role in uplifting the spirit of hospitals is being thought to be instrumental as Medicare and Medicaid account for about half of the hospital business industry.

Perfect Beaches for Holiday Rentals in Murcia

July 15, 2017

Murcia, located along Spain’s Costa Calida, is known for its year-round warm, sunny climate which attracts holidaymakers to the region. With an abundance of villas for rent on resorts such as Polaris World’s Mar Menor Golf Resort, La Torre Golf Resort and El Valle Golf Resort tourists can rent luxury Murcia villas with private pools or affordable apartments and take full advantage of resort facilities such as communal pools, playgrounds, tennis courts and nearby restaurants.

If you’re planning on looking for holiday rentals in Murcia this summer make sure you explore the local area and visit the many beautiful beaches on offer. Murcia, also known as the Costa Calida in Spain offers over a hundred beaches for everyone to enjoy, whether you want to travel by boat to a picturesque deserted cove, or relax on a stretch of sandy beach to soak up the sun.

Simply travel a short distance from Murcia city to the coast to explore popular areas. Beach towns to visit include Mar Menor, San Javier, Cartagena, Mazarron, Aguilas, San Piedro del Pinatar and Lo Pagan. The Mar Menor in particular ( a large salt water lake effectively) is a really popular area to visit, with its warm Mediterranean waters and vast, golden beaches, shallow waters and small waves; Murciabeaches really cater for everyone.

Mar Menor beaches

Villa Nanitos

Located on the Costa Calida above Lo Pagan, the Villa Nanitos beach offers water skiing, volleyball, windsurfing and sea kayaking. Nearby are the mud baths of San Pedro del Pinatar; well worth a visit.

La Llana

Located on San Pedro de Pinatar, Mar Menor, this is a blue flag beach and can get busy during peak season. It is a long, sandy beach and foot showers are available during the peak season. The waters here are mild and so perfect to take a dip.

El Espejo

Another blue flag beach, El Esperjo can also be found on the Mar Menor coastline. This sandy beach is perfect if you fancy a spot of surfing, volley ball and kayaking. The waters here are calm.

Los Nietos

This is another popular Mar Menor beach. It offers 4km of long grey, sandy beach with shower facilities, as well as lots of restaurants and calm waters.

San Javier beaches

Euromanga

Euromanga beach is located in San Javier, Murcia. It’s typical of the La Manga stretch, which means its golden sands and pleasant waters attract many tourists and locals.

Castillicos

This San Javier sandy beach offers a picnic area, snack bar, accommodation, showers, beach cleaning and houses a Red Cross station. Lifeguards also patrol the area, and it’s also one of the safest beaches as it’s patrolled by local police.

Cartagena beaches

Cala Cortina

Close to Cartagena, this Murcia cove is located just a couple of minutes drive away. The locals will cycle and walk to Cala Cortina to enjoy a day of relaxation; spend a peaceful afternoon here with friends or family.

Calblanque

Calblanqueis a protected nature reserve, home to sandy beaches and coves. This beach is one of the few you are allowed to take dogs down to, so it’s advisable to keep away from the lower end of the beach if you wish to avoid the family pets. As it’s a protected area, there are no facilities like restaurants or bars, but there is a car park.

Cala Medina, Las Melvas and Levante

This group of three beaches are small beaches, with slightly less calm water. They range from sand to gravel to rock. There are restaurant services nearby, and it’s the perfect location if you fancy a spot of snorkelling.

El Portus

This is a very quiet beach in Cartagena. It’s sandy, and does offer showering facilities, but has limited disabled access as it’s difficult to reach.

El Belonte Grande and Salitrona

These two beaches in Cartagena are short and sandy, and are only accessible by boat or on foot, so they’re perfect if you’re looking for a quiet spot. These coves are very beautiful, surrounded by mountains with wild vegetation.

La Calera and San Gins

La Calera and San Gins are gravel and sand beaches, with calm water making them suitable for families. They offer reasonable facilities such as showers, as well as a few restaurants and shops nearby.

Mazarron beaches

Bolnuevo beach

Bolnueva beach is located at Mazarron, Murcia. This lovely golden sandy beach is great for families, and offers a picnic area, snack bar, showers and toilets. It’s also got a Red Cross Station and lifeguards on duty, in addition to offering water sport equipment for rent. It can get very busy during peak seasons, but generally isn’t quite as busy as other blue flag beaches along the Costa Calida.

Nares

Also located at Mazarron, Murcia, this golden sandy beach is great for children with its calm waters and shower facilities.

El Castallar

Facilities available: This beach is located near the town and harbour of Mazarron. El Castallar is a sandy beach, with lovely clean, calm waters. Although popular with families, this beach does not get quite as crowded as some other Blue Flag beaches in this region. Facilities include snack bars, restaurant, showers, telephones, beach cleaning, and a Red Cross point.

El Rihuete and Puerto de Mazarrn

These sandy beaches are perfect for families exploring the Mazarron area, with plenty of local shops and restaurants.

Aguilas beaches

Las Delicias

The sand and pebble beach of Las Delicias can be found in Aguilas, Murcia. It offers many facilities such as a snack bar, restaurant, showers and it also has a Red Cross station, is manned by life guards and patrolled by the local police, so it is an extremely safe beach to visit.

Poniente

This urban-setting beach offers a snack bar, restaurant, toilets, showers and parking. It’s a very popular beach in the summer months.

Calabardina

This beach is also located at Aguilas, Murcia. Its waters tend not to be as calm as other beaches in the region, making it more exciting for water sport enthusiasts. It offers a Red Cross point, parking and beach cleaning, and again, Calabardina can get quite busy.

Levante

Sizes at just over 440 metres, Levante beach offers a snack bar, restaurant, showers, a Red Cross station, lifeguards. Ideal for children, this popular beach is sandy, with calm waters.

Abejerro and Las Pulgas

If you’re after quiet sand and gravel beaches, head to Abejerro or Las Pulas in Augilas. These are both quiet, unspoilt beaches, unfortunately there are no facilities at either location.

Punta del Fraile

This beach is only accessible by foot and offers great, clear water for snorkelling.

Lo Pagan beaches

Villanitos

Villanitos can be found in San Piedro del Pinatar, Lo Pagan, Murcia. It has plenty of facilities available for use, such as snack bars and restaurants, toilets, showers, parking and if you want to take part in water sports, there is equipment available for rental. Calm waters and it’s large, mostly sandy beach make it very popular.

La Puntica

This is a sandy beach, with calm waters. Like many beaches in Murcia, La Puntica offers a restaurant, snack bar, showers, toilets, beach cleaning and a Red Cross station, and is patrolled by lifeguards and local police.

Lorca beaches

Bao de las Mujeres and El Ciscar

These beaches are located further south of the coast, at Lorca. They are both short beaches
, offering fantastic fishing opportunities as well as being perfect locations for swimming and snorkeling.

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