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Casual Articles - Racial Inequity When It Should Be Irrelevant
Buying family health insurance can be a huge expense that nobody wants to take on. Fortunately, a lot of people get free family health insurance from their employer. And even if it is not free, they still have the ability to purchase the coverage at a discounted cost. But if you are one of the millions who do not have this option available, purchasing family health insurance is a must. While this may sound like an impossible task, with the help of a broker you will be able to find something that suits your needs.“Some people have a hard time finding family health insurance that is affordable,” Morgan Moran, a managing partner of Florida Health Insurance Web, said, “This c
In this installment of medical billing of claims through electronic means using NSF 3.01 specifications, we're going to continue our review of the EA1 record, picking up with field number 14.EA1 field 14, positions 177 - 184, is the admission date 2 field. This date needs to be filled in if the patient was readmitted to the hospital or facility for any reason at all relating to the condition being billed even if it is just as a follow up.EA1 field 15, positions 185 - 192, is the discharge date 2 field. This date need to be filled in if the patient was readmitted and then discharged for any reason at all relating to the condition being billed even if it is just as
Over the past few days we have read or listened to numerous sources explain how Congressmen have “grilled” Federal Reserve Governors; how some consumer advocate organizations are calling for federal limits on how much can be charged by lenders. This is absolutely ridiculous. There are already rules in place that limit charges in most states. But the most demanding regulator of all is the open market.
We consumers have more choices now than ever before when it comes to real estate loans. These choices have made it more difficult to determine if we are making the right decision. Add to this fact that over the last few years the number of people who call themselves "loan officers" has doubled from approximately 250,000 to 500,000. This does not lead to the highest quality of service.
An even more harsh reality is the simple fact that most of us have gotten lazy about doing our own due diligence. My wife will spend hours at a mall shopping. She may find a blouse she likes at one store, put it on hold, and then continue to shop at countless other stores to find the same blouse. Once she finds the store with the least expensive blouse, she buys it. This is fun to her. To me, it's torture, but it's a great analogy. We need to do this with our financial decisions, but we should shop for expertise, not price.
With something as complex as mortgage lending, you do yourself a huge favor by seeking out experts. You should do research. Check your local paper for articles written by lenders in your area. Listen to real estate radio talk shows. Check online with lending associations for members of the National Association of Mortgage Brokers (NAMB.org), the Mortgage Bankers Association (MBAA.org) and the National Association of Responsible Loan Officers (NARLO.com). Finally, ask a friend for a referral. Rem
Real estate valuation for single family homes is typically done by using comparable sales. With income properties this just doesn't work well. Imagine if you are looking at a 24-unit building. It would be difficult to find similar ones nearby that have recently sold.It's also not ideal to use replacement costs for income property appraisal. How do you figure replacement cost if there is no land for sale nearby with proper zoning? This is used as a secondary method, though, and can tell you if maybe you should be building instead of buying.Real Estate Valuation By Cap RateIncome properties are bought for the income. Income, then, is what is used to dete
We consumers have more choices now than ever before when it comes to real estate loans. These choices have made it more difficult to determine if we are making the right decision. Add to this fact that over the last few years the number of people who call themselves "loan officers" has doubled from approximately 250,000 to 500,000. This does not lead to the highest quality of service.
An even more harsh reality is the simple fact that most of us have gotten lazy about doing our own due diligence. My wife will spend hours at a mall shopping. She may find a blouse she likes at one store, put it on hold, and then continue to shop at countless other stores to find the same blouse. Once she finds the store with the least expensive blouse, she buys it. This is fun to her. To me, it's torture, but it's a great analogy. We need to do this with our financial decisions, but we should shop for expertise, not price.
With something as complex as mortgage lending, you do yourself a huge favor by seeking out experts. You should do research. Check your local paper for articles written by lenders in your area. Listen to real estate radio talk shows. Check online with lending associations for members of the National Association of Mortgage Brokers (NAMB.org), the Mortgage Bankers Association (MBAA.org) and the National Association of Responsible Loan Officers (NARLO.com). Finally, ask a friend for a referral. Re
Recently a client asked how to help employees take more initiative, rather than wait to be told, or them come ask for how-to directions with every assignment. The manager admitted being too quick to tell. Now it was time to coach new behaviors.We came up with a good list of questions to ask when an employee needs direction, and you want them to take the initiative. Let's take an example of needing to prepare a briefing report for the "big boss." You know, and your employees know, the kind of person the boss is, what he likes to focus on, and how he likes information fed to him.This is not a new kind of project, but typic
An even more harsh reality is the simple fact that most of us have gotten lazy about doing our own due diligence. My wife will spend hours at a mall shopping. She may find a blouse she likes at one store, put it on hold, and then continue to shop at countless other stores to find the same blouse. Once she finds the store with the least expensive blouse, she buys it. This is fun to her. To me, it's torture, but it's a great analogy. We need to do this with our financial decisions, but we should shop for expertise, not price.
With something as complex as mortgage lending, you do yourself a huge favor by seeking out experts. You should do research. Check your local paper for articles written by lenders in your area. Listen to real estate radio talk shows. Check online with lending associations for members of the National Association of Mortgage Brokers (NAMB.org), the Mortgage Bankers Association (MBAA.org) and the National Association of Responsible Loan Officers (NARLO.com). Finally, ask a friend for a referral. Re
Read almost any book about sales and you’ll see some reference to, “you need to have a good attitude.” So what does that mean? Sometimes my most effective selling is when I have a “bad attitude” -- when I’m more discerning and skeptical about whether a prospect has money or is willing to make the change. I get tougher then and force the prospect to fit into my procedure. So for the purpose of this article, I’d like to redefine attitude and not talk about it in terms of good or bad, but instead “what attitudes to have.” 1. My value can be found nowhere else. Most high-income sellers are in the business-to-business environment. And in that atmosphere,
With something as complex as mortgage lending, you do yourself a huge favor by seeking out experts. You should do research. Check your local paper for articles written by lenders in your area. Listen to real estate radio talk shows. Check online with lending associations for members of the National Association of Mortgage Brokers (NAMB.org), the Mortgage Bankers Association (MBAA.org) and the National Association of Responsible Loan Officers (NARLO.com). Finally, ask a friend for a referral. Re
If you have not been hiding under a rock for the last couple of years, I am sure you have heard of Google's Adwords. If you have been out of contact with reality for awhile, let me clue you in on this phenomenon of the Internet.Adwords is a slick system whereby anyone can make a bundle, with little cost, by placing advertisements on the Internet via Google. Doesn't take much money and much skill. If you have checked out one or more of the so-called gurus that flood eMail, you probably were amazed at actually how simple Adwords can be. Why, just buy this system or that program and you can become wealthy in a very short time. According to these pitchmen, you can soon live in
We, as consumers, have to take responsibility for the decisions we make. Yes, we agree that discrimination takes place, but to a certain extent nowadays it can be avoided. There are national lenders, internet lenders, regional lenders, local lenders and private individuals who all lend money. No one should feel pigeon-holed into a loan without having to bear some of the blame.
One of the biggest issues with this subject is that the lending community does very little to advertise itself as ethical. Lenders seem to think that the way they differentiate themselves is by offering the "lowest" rates. Well guess what...there's no such thing. If we were to ask 5 people with the exact same qualifications to go find the lowest rate they can today, we are guaranteed to get 5 different answers. We consumers don't need the lowest rate; we need experts with the highest ethical standards.
Only ethics and morals will ever change these strings of reports we all read/hear about. No amount of Federal regulation will ever be able to impose these standards without encouraging the best in their field to leave the industry. Let me give you an example.
If I were to tell you to go find a heart surgeon would you consult the yellow pages? NO! Would you price shop their fees? NO! You'd do research and ask for referrals. You'd want to know where he/she was trained and how many operations they had successfully completed and how many unsuccessful. You’d go to incredible lengths to get answers. Why then do we trust the largest financial transaction of our lives to some idiot telemarketer who calls
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