How to Avoid Costly Hospital Bills

Hospital BillMillions of people are still uninsured or under-insured even after the implementation of the Affordable Care Act (ACA). Unemployment, temporary work, low wages and high co-pays prevent people from enrolling for the ACA, but if a medical emergency happened, could they afford the bill?

The ACA was introduced to give access to medicine for those least able to afford it. The act outlawed the practice of refusing coverage to people with pre-existing conditions.

Most people received aid from the ACA, but some have still fallen through the cracks. The unemployed, ill or disabled may not be able to afford even the cheapest policy. Sadly, policies with the most affordable premiums also have a greater number of out-of-pocket expenses.

Patients Drowning in Bills They Can’t Pay

A hard-working nurse faced a $100,000 medical bill when she had mini-strokes, migraines, and trips to the ER. The hospital reduced it to $32,000 because of her low income – but she already had a previous $22,000 bill that she was paying off at $650 a month.

Despite working three 12 hour shifts a week, one employer told her she hadn’t worked enough to qualify for insurance.

In another case, a 60-year-old man faced a $2,691.50 bill for a two-mile ambulance ride when he passed out at the doctor’s office. Even with insurance, his out-of-pocket charges were more than $770.

Situations like this lead some people to conclude they’d rather avoid medical care and not take out insurance. But what would they do in a life-threatening emergency?

Ways to Save Money on Healthcare

  • The ACA Marketplace – Patients can get help with affordable care act enrollment to find the right policy for their needs. Low premiums are attractive but don’t always offer the best coverage.
  • Medicaid – Depending on location and income, patients may be entitled to Medicaid.
  • Charity applications – Some charities and hospitals have a fund they can tap into to help patients in financial need.

Medical care is expensive but going without insurance can be a costly mistake. Assistance is available for patients who can’t afford the bill.

Alzheimer’s Care and the Contributions of Experts in Neurology

Neurologist Looking at an MRI ResultWhen a primary care doctor recommends seeing a neurologist, he or she may have noted symptoms requiring specialist care. A doctor of neurology in Provo specializes in identifying and managing diseases of the human central and peripheral nervous system. Illness involving the brain, spinal cord, and nerves and muscles are their specialty.

While caring for a loved one recently diagnosed with Alzheimer’s disease, you may be wondering if a neurology consult is necessary. The short answer is yes, a neurologist may be of help to someone dealing with Alzheimer’s disease. You must be able to make an informed decision about the condition, and a neurologist has the capacity to conduct a thorough neurological exam, to this end. Research on dementia reveals results about the benefits of multi-disciplinary care, and a neurologist is a professional who can contribute significantly to Alzheimer’s care.

Because a single test to ascertain Alzheimer’s disease does not exist, the medical expertise provided by a neurologist can help in the accurate diagnosis and formulation of a sound treatment plan.

Neurological exam

When diagnosing if a person is suffering from Alzheimer’s, a neurological exam is among the logical steps to take. The neurologist evaluates the patient for aspects that concern the involvement of the brain and spinal cord. Impaired memory is a significant symptom, which suggests an underlying impediment to the central nervous system. Other significant symptoms are abnormal reflexes, Poor muscle tone and strength, poor coordination of movement, and impaired speech, among others.

For persons diagnosed with Alzheimer’s disease, a mental status test conducted by a neurologist provides relevant information about memory, thinking, and problem-solving skills.  People with Alzheimer’s also manifest disorientation, changes in behavior, mood, and personality, loss of ability to recognize people, and issues with abstract thinking. A neurologist can help with differential diagnosis, by ruling out other conditions that may present with symptoms similar to that of dementia.

Unfortunately, despite the advances of science, a post-mortem autopsy is the only way to confirm the presence of Alzheimer’s disease. It is with the help of specialists in neurology that we can provide the best care for our loved ones who are afflicted with the disease.

How to Get More Out of Your Paycheck

hand receiving moneyAfter paying the bills, mortgage, and if you have kids, tuition fee, is there enough money left to cover other costs? According to financial specialists, 50% of your income should cover food, housing, and other necessary payables, while 30% should go to things like travel and other hobbies. So, where does the 20% go? The remainder of your pay should go to insurance and savings. But is there even enough left after paying the necessities?

If you find yourself not having enough after paying all the bills, you’re not alone. In fact, only 19% of Americans think they’re earning enough. Here are some tips on how you can stretch that dollar:

Get Insured

Many still find getting insurance unnecessary. What they don’t realize is having vehicle insurance in Cicero, Illinois, for instance, can save you hundreds (if not thousands) of dollars in the long run. The same goes with a health insurance policy. Depending on your coverage, most insurance policies protect the holder from financial liability and provide medical coverage.

Pay Off Debt

In the age of credit cards and online shopping, acquiring more debt can only take a few seconds. Before swiping that credit card or applying for a loan, pay off existing ones first. You might not notice it, but keeping your debt for years can cost you even more money long term. Once you’ve paid off any existing loans, you’ll find you have enough money for saving up.

Avoid Shopping Online

Rather, shop only when you need to, especially if it’s online. It’s so easy to find and buy something online, making it easier to shop on impulse. You might have heard this before, but the same rule applies to online stores—visit them only when you’re looking for something specific to buy. Otherwise, avoid downloading shopping apps or visiting these websites.

These are just simple measures that can help you stretch the money you make. Saving money is a habit that eventually becomes a lifestyle. Take small steps and see how this would eventually change your financial status.

Factors to Consider when Buying Your First Home

house and keysFirst-home buyers have a checklist when looking at properties for sale. It should be in a nice, quiet neighborhood, especially if they are starting a family. Obviously, it should be within budget, and for millennials, that means looking at a city that’s not too expensive to live in.

If you’re considering a home purchase but don’t know if Utah is the right state for you, these factors will help you decide:

Attractive Mortgage Terms

You don’t just look at an Ogden mortgage loan uncontested and decide it’s the one, at least not if you’re a wise homebuyer. You’ll want to compare all the available options in Ogden and take some time to think about the different terms and rates you qualify for.

There are plenty of things to consider, such as your monthly expenses, other loans, and salary.

Manageable Cost of Living

It’s ambitious to live in Los Angeles or New York City if your bank portfolio is not plump enough. What you’re looking for is a city that allows you to live comfortably without worrying about your savings running dry.

In Ogden and other cities in Utah, you’ll have job options that pay well, so there will be no worries about you going bankrupt if you work and live smart. You can even start saving up for your children’s future and your retirement early on.

Peaceful Environment

No one wants to settle down in a place known for turmoil and crimes. That’s why the price of real estate near communities with high crime rate is lower in comparison with other neighborhoods known for safety and security.

You don’t even want to consider those cheap but compromised neighborhoods; the money you save makes a big difference in your peace of mind.

It’s time for you to settle down and you want a house to get started. Consider the important factors before you make up your mind.

Invoice Factoring: Costly Mistakes You Ought to Avoid

a person calculating using a laptop and a calculatorInvoice factoring can help fill your company’s coffers by using your accounts receivables. It offers a frictionless means to turn your illiquid assets into real dollars you can spend on whatever way you deem useful to your organization.

However, its greatest strength is also its biggest weakness. The fact that the process involved in applying for invoice factoring online makes it prone to misuse and abuse. To make the most of it without putting your organization’s financial strength in jeopardy, avoid these costly mistakes:

Mistaking It for Invoice Financing

Invoice factoring and invoice financing are two completely different transactions. They’re all about converting your receivables into liquid assets, but the former involves selling your unpaid invoices to another party. Because the factoring company would own your receivables at the end of the deal, it would then have more skin in the game. To compensate for the risk of financial losses, it would charge a slightly higher cost than it would when doing invoice financing.

Moreover, the other party might enforce debt collection methods to retrieve payments. In turn, the transaction might be less private.

Using It for Solving Chronic Cash Flow Problems

Invoice factoring can be a mirage sometimes. It’s an elegant solution to short-term cash flow woes. But if you constantly deal with the same financial issues, it might effectively remedy your underlying problems. You ought to know the exact causes of your cash flow dilemmas, like overstaffing, to address them accordingly. By and large, invoice factoring only treats the symptom and not the disease.

Turning to It for Every Financial Need

When used more often than advised, the costs of this financial arrangement might eat into your company’s expenses. There’s an appropriate funding option for every financial problem. If you need to satisfy long-term capital needs, this might not be the right solution. After all, the amount of money you can get from invoice factoring is only limited to the value of your receivables.

Deep understanding of different fund sources and credit options as well as sound business acumen is important to use invoice factoring wisely. If you take advantage of it responsibly, factoring your outstanding invoices can bail your company out.

How to Be Approved For a Mortgage as Fast as Possible

Approve Mortgage ApplicationYou can easily find the lowest mortgage rates if you shop around carefully. The challenge, however, lies in approval. Approval can take a while, and during that period, the low-interest rate you found may increase.

To get the lowest mortgage rates in Utah, you need to be approved immediately. Community Lending Group shares some tips on how to make this possible.

High-Risk Borrowers

To get approved for a loan fast, you may think that you simply need a large income and a high credit score, but lenders actually look at the risk and reward. When you earn big but have high expenses or you have a high debt-to-income ratio, lenders consider you as a high-risk borrower.

Raise Your Chances for Approval

You might also fail in getting financing even with a high credit score because of a variety of factors. You may have a small income, a low appraisal, or insufficient down payment funds. To increase your chances of gaining approval, you need to save enough for a down payment or look for extra sources of income. You can also cut down on your spending to gain low debt-to-income ratio.

Immediate Mortgage Approval Trick

Other than the measures above, you can know your chances of getting a mortgage on the first day of your application. In fact, if all goes well, you can even be approved within the day. You simply need to provide your complete, accurate, and acceptable borrower profile to the lender of your choice.

Prepare For the Trick

The trick above may seem unreal, but it can actually work, provided you have a great borrower profile. You also need to back your profile up with verifiable documents. Preparation is key; you need to have as many of the desirable qualities of an ideal borrower, as well as prepare all the necessary documents and other requirements.

With these useful tricks, you can easily get the lowest mortgage interest rate you want. Take your time in building your borrower profile before you even apply for a mortgage.

Keep Your Skin Glowing with These Healthy Habits

Girl with Glowing SkinKeeping skin looking radiant and smooth needs effort. You can start some healthy habits that would help promote naturally healthy skin.

Having a healthy and radiant complexion can make you look younger and vibrant. However, most people do not know how to take care of their skin. Today, there are many products and creams that you could use to achieve that youthful glow, but many are clueless on what they should purchase for their skin care routine. Here are some of the most simple ways to keep you looking and feeling young.

Protect Yourself Against Sun Exposure

The ultraviolet rays of the sun can do a lot of damage to your skin. Aside from draining your skin of the moisture it needs, it bombards you with electromagnetic radiation which causes premature aging. These invisible rays can wreak havoc on your skin and could even cause skin cancer.

Since you can’t avoid the sun, you need to protect yourself against harmful UV rays in three ways: wear sunscreen, put on some clothing, and wear a hat and sunglasses. Doing these three things lessens your cancer risk as well as the signs of aging.

Use the Right Products

It is essential that you choose the right product for your skin care regimen. Choose products that do not use harmful chemicals that could induce allergies or skin irritations. In the morning, use an organic sunblock or a sunscreen that protects you from UVB (burning) and UVA (aging) rays. You have to put these thirty minutes before going out to obtain full protection.

In the evening, you can apply organic skin care moisturizing creams, such as those from Organi Philippines. Hydrating and moisturizing are an important part of your skin care regimen. Doing this restores lost moisture and lessens the appearance of fine lines and wrinkles.

Periodic exfoliation could also help in removing dead skin cells. You could choose to use all-natural exfoliants such as walnut and olive oil scrubs.

Exercise Daily

Regular exercise helps in keeping your skin toned and firm. An active lifestyle helps you lose toxins in your system, which gives your skin a healthier glow. Staying active is essential is maintaining a youthful appearance as well as your outlook on life.

Drink Plenty Of Water

Proper hydration is important not only for your skin but also for all the systems in your body. It prevents your skin from looking dull and dry and also lessens skin irritations and allergies.

As people age, hydrating becomes even more significant as it lessens the appearance of wrinkles and improves your body’s processes. In addition to daily exercise, make sure you drink lots of water too!

Having smooth and youthful skin could depend on your genetics, but that does not mean you cannot do something to keep the signs of aging at bay.

Here’s A Cost-Effective Way to Increase Privacy in Your Home

Blinds for privacyWith laser printers, loyalty cards and even electric metres collecting information, it seems hard to keep your life private. Anyone can also look inside your home if you have open windows. Can you still feel comfortable and secure in your house?

Yes, if you find ways to ensure your privacy. You actually have one good and cost-effective way to do that—install window blinds.

Blinds are one of the most popular window treatments. Thanks to advancements in technology, even these products have become energy-efficient. There are plenty of styles, designs and colours of blinds to choose from.

They increase the privacy of your home, since they:

1. Reduce the Visibility from Outside

With blinds installed on your windows, keep the view of people from outside into your home to a bare minimum. You do not have to worry about outsiders having a peek and being privy to whatever is happening in your home.

2. Keep Sound from Getting Out

These window treatments help soundproof the house. They reduce the amount of sound coming from your home, which means that people outside are not going to hear your conversations—unless you are shouting. Blinds also help reduce the amount of sound and noise that gets in, so you will deal with less distractions.

3. Maintain Good Control Over Visibility and Light

Depending on your preference and mood, control the amount of light that enters your home. Do this by adjusting the blinds to permit more light and air to get in or close them completely before retiring to bed. The Blinds Gallery suggests using venetian blinds if you want more control, since you can make adjustments easier with its wand.

With high quality window blinds, feel safe from the prying eyes of strangers and neighbours. Use these wisely and never worry about neighbours knowing too much about your life.