Statutes in U.S. Healthcare System

The healthcare field is the subject of a host of federal statutes, regulations, guidelines, interpretive information, and model guidance. There are a considerable number of statutes and regulations that have an impact on the delivery of healthcare services. A statute is legislative enactment that has been signed into law. A statute either directs someone to take action, grants authority to act in certain situations, or to refrain from doing so. Statutes are not self-enforcing. Someone must be authorized to do so to take action. A statute may authorize the Department of Health and Human Services to take action, and it is up to the department to implement the law. Regulations, or rules, are made by administrative personnel to whom legislatures have delegated such responsibilities. It is a tool for developing policies, procedures, and practice routines that track the expectations of regulatory agencies and departments. The statutory and regulatory requirements are subject to judicial interpretation.

A very important element of healthcare management is to understand the key regulatory environment. One government statute that effects patient healthcare is the Anti-Kickback Statute. The Medicare and Medicaid Patient Protection Act of 1987 (the “Anti-Kickback Statute”), has been enacted to prevent healthcare providers from inappropriately profiting from referrals. The government regards any type of incentive for a referral as a potential violation of this law because the opportunity to reap financial benefits may tempt providers to make referrals that are not medically necessary, thereby driving up healthcare costs and potentially putting patient’s health at risk. The Anti-Kickback statute is a criminal statute. Originally enacted almost 30 years ago, the statute prohibits any knowing or willful solicitation or acceptance of any type of remuneration to induce referrals for health services that are reimbursable by the Federal government. For example, a provider may not routinely waive a patient’s co-payment or deductible. The government would view this as an inducement for the patient to choose the provider for reasons other than medical benefit. While these prohibitions originally were limited to services reimbursed by the Medicare or Medicaid programs, recent legislation expanded the statute’s reach to any Federal healthcare program. Because the Anti-Kickback statute is a criminal statute, violations of it are considered felonies, with criminal penalties of up to $25,000 in fines and five years in prison. Routinely waiving copayments and deductibles violates the statute and ordinarily results in a sanction. However, a safe harbor has been created wherein a provider granting such a waiver based on a patient’s financial need would not be sanctioned. The enactment of the 1996 Health Insurance Portability and Accountability Act (HIPAA) added another level of complexity to the Anti-Kickback statute and its accompanying safe harbors. HIPAA mandated that the OIG (Office of Inspector General) furnish advisory opinions to requesting providers that are either in an arrangement or contemplating an arrangement that may not fit squarely within the law. For a fee, the OIG would analyze the arrangement and determine whether it could violate the law and whether the OIG would impose sanctions on the arrangement. In many of its advisory opinions published over the past few years, the OIG has stated that it would not impose sanctions, even though it found that the arrangement in question could violate the statute. A common reason the OIG has given for not imposing sanctions has been that the arrangement provides an overall benefit to the community. Healthcare finance professionals need to ensure that all business transactions comply with the Anti-Kickback statute.

The Anti-Kickback statute effects the patient. The main aim of this statute is to improve patient safety, provide satisfaction and avoid risk. The result of the acquisition of a physician’s practice would serve to interfere with the physician’s subsequent judgment of what is the most appropriate care for a patient. It would also interfere with a beneficiary’s freedom of choice of providers.

Physicians have direct patient care responsibilities. Any incentive payments to such physicians that are either tied to overall costs of patient treatment or based on a patient’s length of stay could reduce patient services. Also, the profits generated by cost savings may induce investor-physicians to reduce services to patients. Health care programs operate on the good faith and honesty of health care providers. It is important to ensure that quality services are provided at the hospital. The Anti-Kickback statute helps the government not to tolerate misuse of the reimbursement systems for financial gain and hold the responsible parties accountable for their conduct. Such conducts can also prompt patient complaints. The hospitals and physicians who are interested in structuring gainsharing arrangements might adversely affect patient care.

The Anti-Kickback statute creates a protective umbrella, a zone in which patients are protected so that the best health care is provided. This statute helps to improve efficiency, improve quality of care, and provide better information for patients and physicians. The Anti-Kickback statute is not only a criminal prohibition against payments made purposefully to induce or reward the referral or generation of Federal health care business, it also addresses the offer or payment of anything of value in return for purchasing, leasing, ordering of any item or service reimbursable in whole or part by a Federal health care program. It helps to promote quality and efficient delivery of health care transparency regarding health care quality and price.

There are millions of uninsured patients who are unable to pay their hospital bills. Giving a discount on hospital charges to an uninsured patient does not implicate the Federal Anti-Kickback statute. Most need-based discounting policies are aimed at making health care more affordable for the millions of uninsured citizens who are not referral sources for the hospital. For discounts offered to these uninsured patients, the Anti-Kickback statute simply does not apply. It is fully supported that a patient’s financial need is not a barrier to health care. Furthermore, OIG legal authorities permit hospitals and others to offer bonafide discounts to uninsured patients and to Medicare or Medicaid beneficiaries who cannot afford their health care bills. The Anti-Kickback statute is concerned about improper financial incentives that often lead to abuses, such as overutilization, increased program costs, corruption of medical-decision making, and unfair competition.

There are risk management implications of this statute. There are risks associated with the Anti-Kickback statute and its good to prevent them. Rather than be an imposing and daunting challenge to understand, the outcome can be development of risk management systems to guide the delivery of health care. This fact is recognized that such statutes are an important attribute of the risk management professional. For example there are potential risks under the Anti-Kickback statute arising from hospital relationships. In case of joint ventures there has been a long-standing concern about arrangements between those in a position to refer or generate Federal health care program business and those providing items or services reimbursable by Federal health care programs. In the context of joint ventures, the chief concern is that remuneration from a joint venture might be a disguised payment for past or future referrals to the venture or to one or more of its participants. The risk management should be done by having a knowledge of the manner in which joint venture participants are selected and retained, the manner in which the joint venture is structured and the manner in which the investments are financed and profits are distributed. Another area of risk is the hospital’s compensation arrangements with physicians. Although many compensation arrangements are legitimate business arrangements, but may violate the Anti-Kickback statute if one purpose of the arrangement is to compensate physicians for past or future referrals. Risk management is to follow the general rule of thumb that any remuneration flowing between hospitals and physicians should be at fair market value for actual and necessary items furnished or services.

Risk management is also needed in entities such as in cases where a hospital is the referral source for other providers or suppliers. It would be prudent for the hospital to scrutinize carefully any remuneration flowing to the hospital from the provider or supplier to ensure compliance with the Anti-Kickback statute. Also, many hospitals provide incentives to recruit a physician or other health care professional to join the hospital’s medical staff and provide medical services to the surrounding community. When used to bring needed physicians to an underserved community, these arrangements can benefit patients. However, recruitment arrangements pose substantial fraud and abuse risk. This can be prevented by having knowledge of the size and value of the recruitment benefit, the duration of payout of the recruitment benefit, the practice of the existing physician and the need for the recruitment. Another area where risk management is to be applied is when the discounts are given. The Anti-Kickback statute contains an exception for discounts offered to customers that submit claims to the Federal health care programs. The discounts should be properly disclosed and accurately reported. The regulation provides that the discount must be given at the time of sale or, in certain cases, it should be set at the time of sale. This will help in risk management. It is also needed in medical staff credentialing and malpractice insurance subsidies.

The key areas of potential risk under the Federal Anti-Kickback statute also arise from pharmaceutical manufacturer relationships with 3 groups: purchasers, physicians or other health care professionals, and sales agents. Activities that pose potential risk include discounts and other terms of sale offered to purchasers, product conversion, consulting and advisory payments. The pharmaceutical manufacturers and their employees and agents should be aware of the constraints the Anti-Kickback statute places on the marketing and promoting of products paid for by federal and state health care programs. To that end, the draft guidance recommends pharmaceutical manufacturers ensure that such activities fit squarely within one of the safe harbors under the Anti-Kickback statute. The Department of Health and Human Services has promulgated safe harbor regulations that protect certain specified arrangements from prosecution under the Anti-Kickback Statute.

Healthcare being one the most regulated of all sectors of commerce, it is important that all facts and circumstances with respect to the statutes and regulations are evaluated.



A Review of the GreenZap Income Opportunity

GreenZap is a world-wide payment service which allows customers to send and receive cash easily and securely online. Services can be used to make purchases from online merchants or to send money quickly to friends or family. The GreenZap mission is to provide customers with quality and personalized service by developing a system that allows users to communicate and make smooth transactions electronically. Cash rewards are offered to new members.

The GreenZap team is comprised of specialists in many fields including Internet Security, Legal, Design, Customer Care, IT, Business Management and Marketing. The company Advisory Board is made up of experienced legal, international business, banking, sales, technology and finance individuals.

Opening a GreenZap account is free and can be done by visiting their official website. Members can send money to anyone that has an email address. Recipients must open a GreenZap account to receive funds. Members can make online purchases through ZapExchange, GreenZap’s classified ad sites. Money requests can also be made from one member account to another.

GreenZap provides two kinds of accounts, Green and Gold. Green accounts are free to sign-up. Sending money is free while receiving funds is subject to a $2.00 fee. Gold accounts cost $100.00 at sign-up and have no fees in conjunction with receiving money. GreenZap Gold members are given the opportunity to sell products as a GreenZap merchant.

WebCash was created by the GreenZap team to provide cash rewards to all new users. Every new member receives $25.00 in WebCash upon signing up. Unlike real money, WebCash can only be used to buy items from ZapExchange and make purchases from their list of preferred merchants in GreenZap Storez. Members can not withdraw, buy or sell their WebCash as it can only be used exclusively online.

Deposits sent to GreenZap accounts can be made via United States Electronic Bank Transfer and Mail-In Checks. Electronic transfers must be made using a verified bank account. Checks, Money Orders and Cashier’s Checks must be made out to GreenZap, Inc.

All account funds are placed into an FDIC-insured banking institution which is subject to pass-through insurance to protect deposits of up to $100,000.000. In the case of a GreenZap insolvency, user funds are protected from creditors and will be returned.

GreenZap can only be used to send and receive funds internationally between approved countries. Non-approved countries include Cuba, Iraq, South Korea, Thailand, Libya, Singapore, Nigeria, Afghanistan, North Korea, Iran, Syria, Nicaragua and Sudan.



Redefining Age

The sound of the music had me dancing in my seat. As I watched the couples gliding across the floor, their movements telling a story of love, heartache, failure, and triumph, I imagined myself on that dance floor telling my own story. One filled with death, struggle, survival, happiness, and freedom. We all have a story to tell and I am going to share some of mine. But first, let’s go back to the dancing.

I was enthralled. For a period of time I was taken to another world, one where music and dance intertwined and the spoken word is not needed. I have always loved to dance so to see a Tango show up close and personal was exciting. However, to see it where Tango originated, Argentina, on my 40th birthday was remarkable. My husband joined me as we ventured the beautiful city of Buenos Aires and celebrated by 40th birthday all week long. Why such a celebration? Why not? I deserved to mark the 40 years I have been on this earth. Somehow as women we started to envision getting older as a scary event, like a doomsday. Some began lying about their age or refusing to acknowledge it. The thought of approaching yet another decade can make a man or a woman cringe with fear. Getting older became synonymous with dying. As women continue to live longer, they must begin to change their mentality and learn how to use their age as a tool in rediscovering another part of themselves that perhaps has been shelved due to any number of reasons, such as; becoming mothers or wives; focusing on our careers; or health limitations. Reaching a milestone birthday should be a time of reflection- what has happened, where are you at now, and where do you want to be in one, three, five, or ten years. How have you changed as a person, as a woman?

For me, having to deal with the death of my mother at 21yrs old certainly changed how I viewed myself back then. It was a time when most 21yr olds are relishing in young adulthood, I was grieving. I was mourning not just my mother, but of a time of my life that I would not be able to live with abandon. Looking back, I can see how it was the catalyst of how I chose to view life. The premise being that life is short. We have all heard that expression. For those who have experienced the death of a loved one, this truth is ever more prominent. During that period I made a lot of mistakes and endured the consequences of poor decisions. However, it began to shape the person I am today because I learned from those mistakes and as the years passed, gained valuable lessons.

My twenties was about failing, surviving, and struggling. In my thirties I found emotional freedom, and now that I am in my forties, I know myself. I am aware of what I want and I am not afraid to voice it. I am confident in my ability to endure confrontations, mature enough to admit my mistakes, and smart enough to know when to move on. My evolution is ongoing. I may know who I am, however, I can continue to grow. I meditate, practice yoga, and write as a way to break through any blockages that keeps me stuck. Through these mediums, I learn more about myself everyday. What do you do to learn about yourself?

Whatever your age is, think about what that means to you. How do you define your age? If you lie about your age, aren’t you really denying your rightful place at that stage of your life? You earned every wrinkle, stretch mark, or scar. Be proud. Use that to recognize the strength you have within you. If you are a mother and have a daughter, how is your perception of age affecting her? If you have a niece or younger sister, how are your views possibly affecting how she thinks of women and ageing? They see and hear everything, even when you think they don’t. Collectively, we must begin to change the concept of women getting old and men becoming distinguished. There are a number of successful, accomplished women who have defied time and used their age as a tool rather than a hazard. With age comes knowledge, confidence, maturity – I could go on and on. The point is, you must begin to shift your thinking from I am getting older to I embody youth, wisdom, and vitality.

At 42, I feel grateful that I was able to graduate from college, survive the death of my mother, have a successful social work career, get married, give birth to a healthy child, and start a business. These huge accomplishments were accompanied by stress, grief, anger, fear, doubt, happiness, and laughter. These experiences are a part of me. I would not trade one challenge for anything in the world. Our experiences and decisions guide us where we are meant to go – our path stretches out before us.

Our strength comes from past and current experiences, good and bad – like a rock pounded by the waves, we are shaped and weathered, and powerful beyond measure.

Ask yourself, “Why are you afraid of getting older? What is the fear that resides inside of you?”

As you begin to uncover the reasons behind your fear of aging, you will notice that you will embrace your age instead of avoiding it. You must surrender to the aging process, in order to reap the benefits of the bounty that life has to offer. I can honestly say that I have never had any issues with my age. I entered each decade with reverence. Why? Well I am grateful for the following reasons: I have not just lived another year but 42 of them; I have had my health and my life is full of love and career fulfillment. I welcome the daily challenges, and I have always been thankful for waking up every morning being able to see, hear, walk, and talk.

As you get older, it’s about coming into awareness of who you truly are, your authentic self. It’s about acceptance and letting go. I would rather not relive my twenties; in my thirties I reveled in every experience; and in my forties I focus on accepting people as they are, forgiveness, and self-care.

Forget for a moment how old you are. When you think about your ideal life, what does that look like? Do you think it is possible to achieve that? Well, I am here to tell you that it is possible – there are always opportunities for you to accomplish things you thought you couldn’t – if you stay open to serendipity. You can get that high school or college degree, you can switch careers – perhaps not from rocket science to a career as a ballerina, as you imagined as a child, but you could certainly find a way to use your strengths in a brand new industry. What is your passion?

What brings you joy and happiness?

My son makes me laugh every day, and I love settling down with a good book on my deck. Sometimes I get lost in the moment.

Time should be your focus, not age. How are you going to use your time on this earth? Are you going to perseverate about your age, or accept it and truly live? Take advantage of the fact that you are still alive! Use any opportunity you have to finally take that course, ask that guy out, or to treat yourself. Refocus your attention to living for today. I’m not suggesting that you neglect your responsibilities, but to insert taking care of yourself into your daily routine. Start to check off all the items on your bucket list. We do not know what the future holds or how much time we have been given, so choose wisely and remember – numbers are just numbers – it’s only when we put meaning to something that it becomes more than what it is.



Build Your Startup Business Infrastructure on a Budget

There are quite a few steps to take when building a business from the ground up. This article assumes you have already gained a basic knowledge of these steps and are at a point where you have some funding and you are ready to put the building blocks of your business in place. If you are not familiar with the basic steps to build a business, I encourage you to go check out the multitude of publications you can find on the web and then come back and revisit this article.

In most cases, it is paramount to build your business in steps, being very careful how you spend the precious funds that are available to you, regardless of the source of your capital. By now you should have a list of components that need to be put in place, such as the IT infrastructure, including but not limited to email accounts, a website, internal software systems (both “canned” packages as well as custom software) and more. On the creative side, you will need to decide on your branding (logo and color theme). Then most likely you will need business cards, brochures, letterhead, fliers, signage and the like.

Building a business in steps (or increments) can be done, but you need to look for the right talent. At the beginning, you will be much better off finding individuals that are competent in several different areas. The less resources you have to employ, in most cases, the lower your spending outlay will be. If one individual can perform the duties of six or eight people, your budgetary savings should be significant. Later on, when things are taking off, you can replace these multi-talented individuals with dedicated resources, as each duty will likely become a full-time job. Over-staffing too soon can put you out of business in a hurry or put undue pressure on your business to perform sooner than it is capable of.

Let’s turn the clock forward and assume your business is gaining traction. Let’s say your multi-talented individuals just helped you get your business off the ground and now you are going to replace them with employees dedicated to specific business segments, or departments. It will be painless to replace them because they will be expecting it. Why? Because you brought them in as contractors. You have a lot of flexibility with contractors. If it’s in your interest, and the contractor’s interest, you can propose a contract to hire arrangement. Then if things work out well, you could bring them in as part of your senior staff since they will have such a good understanding of your business. Or, they could simply move on. There are many advantages to using contractors in a case like this. If things are not moving as fast as you hoped, you can reduce the contractor’s hours to stay within your budget. You can cut them loose if they are not performing as expected. You will also save money because you will not be providing benefits, and in many cases, not providing a work-space for them.

Another smart move may be to secure certain essential services on an outsourced basis. These days, you can even outsource your human resource department. Outside services are becoming more popular these days. Such services take the worry out of keeping up with ever-changing legal requirements, minimizing the exposure to your brand new, fragile business. The cost is normally a lot less than in-house staffing for comparable services. A good service company will come with a guarantee (they will have an insurance policy) that protects your company should the service company fail to keep up with current legal requirements, unintentionally creating a liability for your company. It is not practical for in-house personnel to make such a guarantee. In that case your business is assuming the risks for your hired employees.



Loss of Reproductive Organs and the Surrogacy Contract

Reimbursement for the Loss of Reproductive Organs is a fairly new concept and one that I honestly disagree with however it doesn’t matter what I think in this case…it matters if it’s a deal breaker to the Surrogate or Intended Parent when it comes to contract issues.

When a surrogate agrees to enter into a contract with Intended Parents it usually written SOMEWHERE in the contract that she, the surrogate, is aware of the complications of child birth. This can be worded in many different ways but what this section is really saying to women is that you know that there are risks to pregnancy and birth. The risk of an ectopic pregnancy, risk of miscarriage, risk of infections, risk of c-sections, risk of high blood pressure, risk of gestational diabetes, risk of hysterectomy, and yes, even the risk of death. This list is as long as my arm but I think my point is very clear. Being a surrogate mother is risky! (which is why you need health and life insurance!)

To ask for a set amount in case there is a loss of reproductive organs has been seen in quite a few of the newer contracts. I have noticed anywhere from $15,000 to $25,000 depending on what reproductive organ is lost. In the case of an ectopic pregnancy an ovary might be damaged or lost and with a hysterectomy the uterus and other parts of the reproductive system are removed. Each of these situations are usually needed in emergency circumstances. Even in the case of a miscarriage with a D&C the uterine lining can be damaged and a condition called Ashermans syndrome can occur and make the surrogate mother unable to carry for anyone, including herself.

Most of these organ threatening situations are rare but they do happen. Many agencies and clinics will ask the woman wanting to be a surrogate if she feels satisfied with her family as it stands at that moment. Would she regret it if she couldn’t add to her own family in the future? If so, is that a risk she is willing to take? And lets be honest, no amount of money is going to placate a woman for her loss of fertility. Even $25,000 isn’t going to scratch the surface of replacing her ability to become pregnant and carry her own child. (How well her very own Intended Parents will know this!)



Woodworking – A Job In The Industry

There are a large amount of jobs that are available in woodworking industry. Getting a job in the industry is a easy thing to do, as there are plenty of job opportunities available, even for the inexperienced.

If you are already skilled then a job in the woodworking industry is just about guaranteed. If you acquire the necessary skills, through training, then you can ensure yourself a job in the woodworking industry. In fact if you have the required skills, an excellent career is waiting for you in this industry, with great promotion prospects.

If you are experienced in furniture making then you can get a job in the woodworking industry very easily. In to days times cabinet makers are in great demand. Today beautiful and elegant cabinets are in great demand and sold very quickly. Carpenters who are experienced in making cabinets will get a job within woodworking industry in no time at all.

Carpenters who are skilled in making fireplace mantels, wall units, railing, stair cases, counter tops, doors, and windows are also in great demand in this industry.

At present the woodworking industry is booming and is facing a shortage of skilled workers. You can also research the internet to find a job in woodworking industry. Some of the web sites you will find will list companies who are in urgent need of workers.

If you have experience in architectural mill work projects, you can get work as a project manager. Experienced candidates are given excellent pay and benefits such as paid health insurance.

If you have experience in negotiating and pricing quality projects you can get work quit easily as a estimator in this industry. If you have experience in managing a team of estimators and project managers, then you can apply for the post of an operational manager.

An operational manager is considered to be a very important position in the woodworking industry. Operations managers use modern technology to create high quality products. These people should be energetic as they will have a lot of responsibility.

Carpenters who have experience of using modern tools such as band saw blades are always in high demand. Tradesmen who can build ornate furniture by using hand tools and are able to use power tools efficiently, are in high demand in the wood working industry.



Writing a Sample Letter For Loan Modification Application

Are you looking for a sample letter for loan modification application? So are half of the homeowners in the country. The letter you send in with your loan modification application is just as important as the application itself, if not more so. Here is a great sample letter for loan modification application for you to take example from:

Name:

Loan Number:

Address:

Phone Number:

Email Address (if applicable):

To Whom It May Concern:

I’ve sent this letter to you in order to explain my reasons behind requesting a loan modification on my mortgage. Before last year, I had never made a late payment on any of my monthly expenses, but after the death of my husband things have been increasingly difficult to handle. I am requesting an interest reduction down to 6.25% from my current 8.80%. I feel it is a fair percentage for you, and it is just within my means.

Before my husband passed away, we had both been making more than enough to afford our mortgage. Once our interest rate rose to 10.24% and we had no difficulty paying it. However, once he passed away I was left with half of the monthly income I had before. I had been pulling together enough to pay the bills and mortgage by pulling from our savings and the small amount of life insurance I received, but I’ve run dry and have no other option than to request a manageable, fixed interest rate from you.

Without a reduction on the interest, I will not be able to afford the monthly payments. I have to choose between a loan modification and a foreclosure. I would far prefer the former, and you probably would as well. 6.25% is the most I will be able to manage, even if I cut all of my expenses out of the picture. Please consider my application seriously and I hope to hear more from you on the matter.

Sincerely,

Your Name

Notice this sample goes a little in depth about the circumstances of the homeowner seeking loan modification. What’s more, she also has determined her ideal interest rate based on her current income, showing her lender that she is taking the matter very seriously and wants to work with the lender to stay in her home.

While this sample letter for loan modification application is not perfect, it pleads a good case to the lender and puts it all on the table. Your lender needs to know it’s either modification or foreclosure and there is no way around it. They may lose money on a loan modification, but they lose much more on a foreclosure. Get all of your facts, story, and numbers straight and even you can write a compelling hardship letter.



How to Buy Government Foreclosed Properties and Find Unexpected Bargains

Government foreclosed properties for sale are available to the general public. If you are looking for a bargain, buying a government foreclosure could be a very interesting alternative to the regular house market.

Perhaps you dream of owning your own home but do not have enough money saved. In this case, government foreclosed properties could be a profitable operation provided you handle it with extreme care.

Where do government foreclosures come from?

Government foreclosed properties exist because homeowners stopped repaying their mortgage or paying taxes and the house was foreclosed upon. As a result, the lender or some government entity claimed and repossessed the foreclosed property and put it up for sale.

Government foreclosed properties sell for amounts that are well below the market price and are therefore very sought-after.

How to go about finding government foreclosure homes

There are different places where you can search for government foreclosed properties. Local real estate magazines and newsletters of the conventional sort continue to be a great source for finding foreclosures.

However, you do not need to limit yourself to traditional resources. The Internet can be a treasure trove of government foreclosed properties provided you can keep focused and organized. There are so many foreclosure listings online that you can easily get lost.

Generally, local real estate agents are a very good source for different types of foreclosure listings too.

Something you should never do is rushing to buy a government foreclosure because you think it is a once-in-a-lifetime opportunity. This is a recipe for disaster.

If you have no experience in buying foreclosures, do not purchase any property until you have comprehensive information about the state of the property and you have pondered it carefully. Engaging a real estate agent or a professional that guides you in this transaction is your best insurance.

Visiting the government foreclosed homes

Foreclosure laws vary from state to state, also regarding what you can do before actually buying the government foreclosed properties. As a general rule, though, you will have to inspect the house you are after and hire specialists that alert you about structural building issues, if any.

Unresolved liens on the property or other legal problems are also something that you need to take into account.

If it is the first time you are buying a house and you do not seek professional advice, you do not know what you can get into. You will find that some government foreclosures are in a reasonably good condition while others are rather run down.



Mexican Dentists Pros and Cons

When an American citizen has a toothache and can’t afford traditional dentists, crossing the border is one option. Our neighboring country of Mexico offers less costly prescription drugs and other medical services including dentistry. Many U.S. residents would not be able to afford certain types of health care without this less expensive option. But is it a good idea? There are pros and cons to leaving the country for dental work.

Some of the positive aspects include:

Less costly: If a person doesn’t have a hefty bank account balance or insurance coverage, American dental work can be out of their price range. A crown, which may cost up to $4,000 in the states may cost less than $1,000 across the border. That’s a huge savings!

Same day service: Mexican clinics are usually able to see patients right away. The labs are quicker to make crowns and other items than our country’s labs. In the United States, the wait for a porcelain crown may be a couple of weeks, but Mexican crowns may be ready by the next day.

Vacation at the same time: Many oral health care practices in our sister country are located close to the beach. What better place to wait for your appointment time to arrive? Some patients are combining a waterfront vacation at the same time as accomplishing their oral health care goals. With all the money saved on the less expensive services, why not?

Technology and training has improved: Initially, the dental and medical communities across borders were substantially inferior to the rigid standards set in the states. This has been changing over time and the foreign countries’ practices have greatly improved, especially in major cities.

Some of the negative aspects include:

Drug Traffic Criminals: Unfortunately, drug trafficking has reached an all time high which has caused more crime to occur. Some innocent by-standers have been caught in the crossfire of these unsavory criminal activities.

Not all practitioners are well qualified: A citizen needs to thoroughly check out their prospective dental health care workers. This is true in all countries, but the U.S. has stricter regulatory practices that promote a broader range of safety standards and well as trained, high quality practitioners.

Far away if anything goes wrong: The unfortunate side of traveling to a far-away locale to have any type of medical service performed is the fact that it IS far away. Should something go wrong while you’re outside your home nation, your own docs are unavailable. If something goes wrong after you’re back home, it’s a long way to travel to have the problem remedied. An ill-fitting crown or botched root canal can become a serious issue that will need to be tended to by a local doctor. Trying to save money can sometimes cost a lot more in the long run.

Are dentists in Tijuana or Chihuahua a good idea? This is an individual decision every person must make for themselves. Weighing the pros and cons as well as talking to friends and relatives who’ve traveled for health care would be a wise idea.



The Apple iPhone As A Surprise Gift Can Be A Challenge

This coming Winter holiday, one thing is common and that is the tradition of gift giving. It’s such a the main holidays that it’s anticipated and hardly a surprise anymore. But there are still some fairly cool ideas you could experiment along with to create the element of shock to your gift giving.

You can invariably give your gift ahead of time, but that really spoils the actual essence of giving on Xmas day, doesn’t it? Yet look on the advantages; it’ll definitely be a big surprise to anyone. One idea could be great and some outright corny. But despite this season of obvious gift giving, one can still be creative and exercise a plan in order to add some delightful surprise in this age-old training of giving gifts this Winter holiday.

However, if there is a gift that you will surely be possessing difficulty keeping a key once you made the decision you would like to give it to someone is an Apple iPhone. Properly, unless of course you want to buy directly from Apple, you can obtain it SIM free and you can then get a plan to no matter what mobile phone service provider you like yet is more expensive than finding a plan.

So how is it possible to basically give someone an iPhone with a contract whilst still being make it a surprise with them actually understanding that you are signing all of them up? This maybe challenging and there can be now method for them to know anything until you plan to give it to somebody that you know all his/her private information.

One good idea if you plan to give one to your fiance is to merely obtain nice picture of an i phone, wrap it in a box or card and shock! Your fiance will sure to be captured off guard with a pleasurable surprise and you will get the woman’s the actual phone later that day with a good justification to eat out there as well.

You can also transform it into a total gift by getting iPhone insurance as well. It will save you money by getting insurance for iPhone in an yearly coverage. The iPhone gift will be covered against theft, accidental damages and loss and your fiance will not worry about that when you give your present with comprehensive iPhone insurance already attached to it. So can the iPhone still be given with surprise? Sure it may be and all it will take is some creative juice flowing and you’re Alright.