Rehabilitation services have few CPT codes compared to other specialties, and you know the truth – it isn’t any easier to bill. As a coder, your trouble further increases when new technologies and latest treatments are introduced. And to keep your practice on track, you have to fight with the lack of specific codes and CCI edits to keep the reimbursements flowing in. Rehabilitation coding also attracts a lot of claim denials, but when someone says you’ve been overpaid – it’s alarm bells ringing!

Don’t stay down and don’t get afraid if you feel you are sure about the claims. The auditor’s decision on your rehabilitation coding is not always the final word. Challenge it with proper documentation and do it as soon as possible. Use plain and simple words in the supporting documentation, so that the auditor finds it easy to understand. It’s always better if you provide complete documentation right from the beginning.

Some rehabilitation organizations give auditors the minimum information – for fear that the auditors will dig out even more mistakes! This, in fact, sends the wrong signal and interferes with the auditor’s ability to make a good decision. If you have nothing to hide, disclose every possible detail to demonstrate why you should be paid. In the meantime, implement your own internal monitoring system where you conduct scheduled self-audits. Make sure you read the audits – this will give you a clue of recent trends and you’ll actually end up correcting patterns of incorrect billing.

The confusing and dense audit documents might be a pain to read, but they’ll help you spot financial traps – right on time. In fact, CMS now requires you to document outcomes a certain way. Get the latest rehabilitation coding updates and stay current with policy changes and fight denials by making sure you meet CMS’ new requirements.

Source by Julia Rose

A home care is basically a place which provides a category of services to an individual while he uses the place as his temporary or permanent address. Home care can also be counted upon as the health care provided at your doorstep to restore or properly maintain your well-being and health. All services like clinical respiratory services, In- Home Aide Services, Home Medical equipment and Supplies, Nursing Services and Duties, Respite Services, Sitter Services, Physical Therapy, Infusion Nursing Services, Medical Social Work Services, Speech Therapy, Companion Services and Occupational Therapy come under home care services North Carolina.

People generally prefer home care these days as it provides peace of mind along with an unmatched sense of control. Nothing can match the care provided by a licensed agency in the security, comfort and friendly atmosphere of your home. Home care services North Carolina are easily and affordably available these days. In any situation these facilities are just a call away. Patients or even their family members can directly contact these agencies and conveniently access their services.

in home care North Carolina services are provided by a variety of organizations like department of social services, licensed home care agencies, therapy companies, councils on aging, certified home health agencies, infusion or IV nursing agencies and PT, OT & ST home medical equipment companies.

Mainly all home care services North Carolina are reimbursed or compensated by a private or group health insurance, Medicaid, Medicare, HMO’s worker compensation, Veteran and Military benefits or through special funds such as block grants. All home care agencies functioning in North Carolina must meet the federal and state regulations that explicitly govern the delivery of this Senior Care North Carolina. All these agencies should be licensed under the oversight of the Department of Health and Senior CareNorth Carolina under the Division of Health Service Regulation.

Many such organizations are functioning in North Carolina to provide sufficient senior care to the people of North Carolina. Some of them are Elder Helpers, Home and Hospice Care, Saint Mary’s

in home care North Carolina, Advanced Home Care Liberty Home Care and many more. The main mission and aim of these home care agencies is to provide the essential human services along with the protection, well- being and safety of all North Carolinians. One such organization is Senior CareNorth Carolina. Senior care North Carolina was established in 1972 and is counted among one of the oldest and uniquely largest organization of this kind throughout the nation. It employed 100,000 people and provided care and hospice service to over 425,000 Carolinians in 2011. Thus these services can be counted on among the best and one of its kind services. People of North Carolina are loving and encouraging these services.

Source by Navneet Singh

There have been many claimants for the title of the world’s first bicycle from as early as 1534, but the first verified claim for inventing the “Draisine” as it was called in English went to Baron Karl von Drais, a German. It was patented in 1818, and records show that it was two-wheeled, human-powered, and steerable. Today’s bicycles; however, have come a long way from those early days and are made from exotic materials, are light, and can attain fantastic speeds, something unimaginable in 1818.

Exotic Materials

Today’s professional bikes use the latest metals and other exotic materials like fiberglass, carbon fibre, titanium, Kevlar, etc., in the manufacture of parts of the bicycle and its add-on parts. One such part is the Vision Metron 81 clincher which is an in-demand bicycle wheel from Vision, USA. While many professional cyclists tend to go with tubular wheels, which are rubber tires stitched around and inner tube which is then glued to the rim bed, making them the tire of choice for many professional racers. Clincher wheels, on the other hand are heavier than tubular wheels, and the tire sits outside the rim and can be used for any type of bike i.e., weekend use or for sporting events, and comes in alloy or carbon material.

Comfortable Grips

Another key component of any bike is the handlebar, but a competitive racing one like K Force handlebars are specially made for racing. They are lightweight through the extensive use of unidirectional carbon fiber as well as Kevlar reinforcement, and are specially adapted with wide sections on either side making it suitable for fixing additional instruments or lights. They are comfortable to the rider who is hunched over these handlebars, especially over long distances, without causing any discomfort to the rider. They can handle excess weight, especially during hard climbs, and has plenty of flex built-in, which makes it the handlebar of choice for professionals and everyday users.

World-Class Frames

De Rosa based in Milan, Italy have been making bicycle frames since 1953, and are considered to be the best in the business. The De Rosa frames are much in demand by racing, professional, and ordinary cyclists who wish to use the best frames in the world. They have remained to be at the top of the game because of adaptability i.e., using rare and expensive materials to manufacture their frames, like titanium, carbon fibre, Kevlar, etc. One of their entry level carbon framed bikes is the De Rosa R838 frameset which is very popular with comes with different kinds of finish and can be fitted with different models of multi-speed drivetrains. They are solidly made but comfortable, flexible, and easy to ride, and quick.

Without a doubt, De Rosa’s reputation as the finest bicycle frame builders in the world is unquestionable, and their accessory products are second to none.

Source by Andrea Ferrini

http://groups.yahoo.com/group/Disabilities-Grant-for-Disabled-People/

I heartily dedicated to that person who is with disabilities. I want their same integration in every aspect of life like political, social, economic and cultural life.

It may be any type like physical, mental etc. It may occur in anybody life or may be present from birth time. The basic term you know about disability. How it occurs and all that.

Somebody is disabled by his eyes or leg or ear or sensory or mental anything it can be.

According to Survey of Income, 74 percent of women participants and 90% percent of men participants without disabilities were employed. Comparison with a form of disability, 41% percent of women and 51% percent of men were employed.

If somebody refuses to give car insurance etc due to their disability, it’s totally illegal. There are many benefits provided by government who is unable to work due to a disability. In US, Disability benefit is provided within the category of Supplemental Security Income, and in Canada within the Canada Pension Plan. In India, there are Grant-in-Aid schemes have been started by the Ministry of Social Justice and Empowerment. The ministry has initiated the process of amending the Persons with disabilities Act, 1955. The Deendayal Disabled Rehabilitation scheme being implemented by the Ministry, under this scheme, Grant-In-Aid is being provided to non-governmental organization by the Central Goverenment for rehabilitation of persons with disabilities.

In UK, there are various grants scheme is being provided. I am providing the link under this article.

In US, Federal Government provides aid to those with disabilities private foundations provide grant assistance to people seeking disability grants.

Disability.gov is the federal government website in which you can get comprehensive information on disability programs and service in communities nationwide.

You know around 10 percent of the world’s population, or 650 million people, live with disabilities. 8 percent i.e around 400 million people live in poor countries, they are poor, cannot do anything, they do not have resources and they don’t know about government facilities. UNESCO says 90 percent of children with disabilities in developing countries do not attend school.

For resolvment of that illiteracy, we should spread the information of every disabled people about their rights in the social.

We should motivate them in terms of everything, we should not ignore them.

At the end

We should remember the date 3rd December i.e. International day of persons with Disabilities.

Our greatest love and support to those who are disabled.

Thanks for your attention.

Thank you.

Source by Ravi Gupta

Defensive driving is your ability to foresee a combination of circumstances, including the errors of other drivers, specifically during bad driving conditions.

You may be a first-rate driver and a whiz at road rules, but there’s nothing like an ultimate knowledge of defensive driving to lessen hazards of the road.

There are some very important defensive driving skills:

Let other people know of your maneuvers in advance

Unforeseen stops, turns and lane changes often lead to car accidents because they trap other people by surprise. Consequently one of the main rules of defensive driving is to distinctly communicate to other people precisely what you are about to do. For this reason, it is critical that signal indicators and other driving lights are working. If they are not, check them right away. Otherwise, forget defensive driving.

Try to foresee the worst

It may look distrustful and it’s not the best regulation to follow but, in defensive driving, it pays to forestall the errors of other drivers on the road. For instance, many people routinely signalize a turn but don’t turn at all. Meanwhile, others don’t signalize at all and then unexpectedly turn. Many people give little or no attention to stop signals or attempt to run red traffic lights.

Being predictable prevents car accidents

Having all your indicators in good working order is great, but they will not help if you can’t be predictable. Defensive driving is closely associated with being predictable – you do what you are expected to do. If you are signaling a left turn, then turn left. Do not signalize that you are going left then without warning turn right. And, by no means, don’t keep signaling a left or right turn then just going straight ahead. In defensive driving, one certainly not makes a move that confuses other drivers. Wonders are great, but certainly not when you are driving.

You should know where you want to go

The first regulation of defensive driving is know where you want to go. There’s nothing quite as hazardous as making an unlooked-for stop or turn, which is something that people do when they are not sure about where they are headed. Ditto for driving not very fast then without warning zooming rapidly. If you are not sure where you want to go, probably you’re confusing other people on the street as well. If you do not know the way, stop your car and regain your bearings. Check a map or maybe even ask people for directions. The worst thing you can do is ride about aimlessly. That is like looking for problems.

Make signaling your usual practice

One of the best defensive driving practical methods is to signalize each time you make maneuvers or change traffic lanes. In such way, you never trap other people by surprise. Make signaling a usual practice. Even if the road appears to be abandoned and there appear to be no other cars around, signaling your intention is without exception a good defensive driving practice.

Warn others as you stop or slow down

When making a stop or slowing down, it’s an excellent defensive driving technique to inform others in advance of your intent. This is specifically essential if the driver behind you is driving fast and approaching quickly.

Source by Mike Pontic

Etherapy with Robert Morse Etherapy is a unique alternative to psychotherapy and has such benefits such as being more effective and much cheaper for the client. Through the technology of the internet online counselors, therapists, psychologists, e-therapists, marriage and family counselors, social workers,or any other qualified mental health professional, can provide therapy sessions with the use of webcams, chatrooms, or with the use of a telephone. Rob Morse from Robert Morse Etherapy is  well versed in all methods and believe they all possess a great way to help our clients.I am the only Etherapist who works at RM ETherapy.

Video-conferencing in etherapy provides the closest experience to traditional psychotherapy.Robert Morse Etherapy has integrated tele-counseling through the use of a media server so that the video-conferencing during the etherapy session is sharp,vivid, and fluid.This allows the therapist and the client to see each other almost as if they are in the same room together like traditional psychotherapy. Robert Morse is a etherapist whose goal is to help his clients.

For those clients who wish to have a more private and anonymous etherapy experience,we  provide a chat based format that allows for the therapeutic relationship to exist only in the exchange of text.This form of cyber-counseling was one of the first types of e-therapy services created,after emails of course.We are proud to offer multiple E-therapy services to our clients.

Emails are still used in online counseling with Robert Morse Etherapy as we offer  video-email exchange.The client submits an email with their presenting problems and the therapist provides a response in the form of a video.This is a fast and inexpensive way to experience e therapy that does not demand the 1 hour time constraint imposed by the other services.

Tele-counseling, or telephone therapy, is also offered on our e-therapy website.Here the etherapy session is conducted over the phone.Some traditional psychotherapists have used this model for quite some time.It allows the client more privacy as they are not seen.Counselors must rely on the ability to distinguish voice inflection with the lack of visual cues.However this is also a effective way of therapy.

E-therapy is booming and become extremely  popular at a rapid rate and offers many advantages over traditional forms of psychotherapy and life coaching.Our internet  therapy is no exception as tremendous convenience is provided through the lack of geographical constraints,(a client can be sitting at home during etherapy) or loss of time as both therapist and client do not need to travel to an office in online counseling.

E therapy is much more affordable than traditional therapy as the therapist does not have to pass massive overhead costs onto the client.Etherapists such as Robert Morse,M.A.can provide services to clients at rates that are less expensive than some insurance co-pays.This allows counselors and therapists to work with a greater number of people in various socio-economic statuses, fulfill the duties of the helping profession, and all without limiting services to only the wealthy.We are also able to service clients Nationwide. Etherapy is also known to increase honesty and candor it has been studied that clients may be more forthcoming on the Internet than in person.

More and more people are connecting to the internet and etherapy is going to have a greater impact on the mental health field.With great promise for the future we are sure we will lead the way in this endeavor. For more information about the benefits  of  Online Therapy, Internet Therapy  and Etherapy visit our website at http://rmetherapy.com

Source by kelismabors

Medical experts recommend the following measures to best protect your breasts while maximizing your overall health:

Eat a well-balanced diet – Include lots of fruits and vegetables, and keep your intake of fried foods, red meat, and junk food to a bare minimum. Prevent taking hydrogenated fats like margarine and vegetable shortening. (Be conscious of products that are in many store-bought crackers, cakes, and cookies – even health-store brands.) Cook with olive, peanut, sunflower, or sesame oils and butter or – better still – clarified butter (ghee) on bread.

Avoid becoming overweight – No need to diet, just adopt the two suggestions above and you should naturally stay in shape.

Do not smoke cigarettes or other tobacco products – Like alcohol, smoking has been linked to breast cancer.

Do exercises that involve the movements of your shoulders and build up your chest and upper arm strength regularly

Do not use underarm deodorant that contains aluminum salts or other compounds. Aluminum is a heavy metal that can enter the blood and lymph systems through the skin and severely challenge the immune system.

Choose to eat in nature foods and use environmental friendly cleaning products. Many artificial chemicals (including what is found in fertilizers, pesticides. germicides) mimic hormones and cause physical and emotional disorder in your body and mind.

Take in supplements such as vitamins E, C, and B-complex as well as minerals. When your stress level is high, eat mineral-rich sea vegetables or take mineral supplements.

Expose your breasts to sun and moonlight. It feels good to experience the sun, sea, and air on the rest of your body at topless beaches or in the privacy of your back yard!

The above information is found in Ms Yvonne Lee, internationally acclaimed book “To All Women Who Want To Enhance Their Breasts Naturally, But Don’t Know How To Start”. It describes and details the most important breast enhancement techniques from every corner of the world. Author Yvonne Lee, provides an unbiased pro-and-con analysis of each technique, in addition to practical information such as how and where to get it, cost, and potential impact on insurance coverage. The ebook version of the book is now available at: http://www.breastenhancementbook.com

ANBES.com is offering Free Sample, Limited Period Only. Latest Nanotechnology Breast Enhancement Serum That Show Immediate Results In 5 Minutes … While stock last! Consists of Pueraria Mirifica. Hurry Click Here Now> http://www.anbes.com/article/

Source by Julie Walker

When I designed my coaching website, I needed to create a tag line. A type of a one line description of what the site was all about. I wanted it to summarize how I felt about the process of getting out of debt and why so many people start at it but quickly give up.

Science was my first love as a career. I spent my first ten years of work life in the biotechnology world. So the idea of a math equation flashed into my mind.

There are thousands of websites and probably millions of blog posts and articles about how to get out of debt. “Seven methods to lower your credit card debt”. “Five tips to reduce your holiday spending”. Tons and tons of information out there.

So why do less than half of Americans pay off our credit card balances every month? Why do 35% of us have accounts in collections?

I reflected on my two journeys through debt. The first ended in credit counseling and bankruptcy. The second ended with everything paid off, including our home mortgage. What was the difference?

I “knew” that we had debt both times. In my head.

The difference was acknowledging my debt in my heart; my gut. The first time I did not do this. My “plan” to get out of debt was that my business would finally begin earning real money. My heart said everything would work out. My heart knowledge never supported my head knowledge. And I failed.

“Know Debt” was accomplished but nothing else.

In the second plan I got mad (as did my wife). We plugged into this anger and other emotions. We got our hearts involved. We “KNEW” our debt. 17 months later we had paid off our credit card, auto loan, department store card and orthodontist. And then 30 months later we paid off our home mortgage.

“KNOW Debt” was added to “Know Debt”. They added up to “NO DEBT”.

My math equation tag line crystallized. It explained why we want to get out of debt and have the best intentions to get out of debt. But we rarely get there.

We generally acknowledge that we have debt in our heads. We know we have three credit cards with balances on them. We know we have an auto loan that pays off in 2018. We know we have five student loans. And we might know the total debt that we owe. We have the head knowledge.

So we read posts, articles and forum advice that make logical sense on how to pay off our debts. Eliminate every expense that we can. No cable TV, no going out to a movie, etc. Live a spartan lifestyle.

And work three jobs.

Our heads can do this for 2-3 weeks. Maybe a month or two. But if our hearts do not support this lifestyle and behavior, something is going to cause us to quit this plan. Once the fun of the adventure dies off, the idea of living on dog food and replacing electricity with candles becomes so unappealing that we give up.

Once our hearts are out of the equation, our plans to get out of debt are dead in the water. Because there are no easy, pixie dust plans to get out of debt. It takes focus. It takes work. It may take some sacrifice. But your plan needs to be realistic; a plan that you can live with. Logically it may take longer. But emotionally you will stick with it all the way to the end and get to NO DEBT.

Take what you know in your head and get it into your heart. Then you will get out of debt.

“Know Debt + KNOW Debt = NO DEBT”

Source by Phil Danley

Every women desires for a gorgeous smooth skin and that is why every day different skin care companies are coming up with new techniques and the products for the same service. But you need to know which of the technique suits your body and skin and also which products do the same. When you are heading for an épilation femmes at your favourite parlour make sure that you know which all products they use for waxing for your skin. Your service provider should always choose products after considering your skin type and texture.

The experts in the parlours who take care of the épilation femmes process must be well trained and you must be assured of the same. If your skin is very sensitive then they need to take care of it very properly otherwise, you may get rashes after the waxing is done especially for the parts which have very soft and sensitive skin. For the women, normally the parlours provide services of waxing for eye brows, upper lips and the lower lips along with the chin portion. You can choose to wax both your hands along with the under arms or you may also just do it for the hands. There is also option for full and half arm and depending on what kind of dresses you wear, you can choose between these two. The same goes for the legs, if you like to wear skirts then you can go for half leg waxing and if you prefer wearing shorts then you may go for full leg waxing. If you are in the modelling profession, then you must try the bikini waxing as it is also required in the profession of yours and there are also various options available in the same category.

There are unisex parlours that provide épilation hommes facilities as well. Though it is not so frequent when a men gets his hairs removed but maybe he is into the film business then it is necessary to do so. For épilation hommes, most of the parlours keeps options like bikini waxing which is also known as Maillot, for full or half arms, chest and for the back.

It is common for the girls and the women to get their body waxed not only for beauty but also it is very good for maintaining the cleanliness and the hygiene. Waxing for women is always recommended after a certain age to maintain both the cleanliness and beauty.

Source by Dorothy

Subscription to retirement plans at an early age is a healthy practice. In the United States, more then 50% of the working population opt for one or more pension or retirement plan. These plans help the individual to save money at the time of employment to spend after retirement. Whether you are twenty year old or fifty year old, it always pays to invest today in some retirement plans.

Types of Retirement Plans

A variety of options, ranging from private plans to government sponsored ones are available in the market. You can choose the one which best serves your purpose.

Government-backed Plans

Government-backed retirement plans are the largest retirement program in US. These provide the employers and their families with retirement, disability and other benefits.

Employer-backed Plans

Sometimes, Retirement Plans are offered by the employers. These plans can be categorized in to qualified and non-qualified plans. Qualified employer-backed retirement plans in US include 401(k), stock bonus, corporate profit sharing and money purchase pension plans. Non qualified retirement plans include 457 and similar employer-backed retirement programs.

Private Plans

The private plans are very useful for the uncovered workers. This was introduced in US in the year 1975. It allowed the employees to subscribe up to $2000 into IRAs (Independent Retirement Account).

Annuities

This is a wonderful retirement program, which is in vogue in US. These allow the workers and their families to get the advantage of tax-deferred investment of income.  This ensures a steady flow of income to the account holder post retirement. Many private insurance companies have tweaked this plan to incorporate saving as well as death benefit to attract more investors.

Potential

This has been the result of federal deficits. The federal deficits have led to the development of tax-sheltered retirement programs. The Employee Retirement Income Security Act was passed in 1974. Since then the federal government in the United States are favoring programs which cover a large number of employees cutting across different sectors of the economy. New regulations have extended the maximum contributions, age limit and the tax benefits for private programs.

Retirement plans help you to be financially stable in the long run. Thus it should be given importance in your Retirement Planning.

Source by FutureYears Retirement

Economic weakness threatens the chances of many Americans to become homeowners and so threatens the nation’s ability to thrive as a nation. Keen to help, the federal government offers the First Time Home Buyer Stimulus Package. It targets first time buyers and those who have not owned a home in three or more years. Purchases under this program are of pre-owned homes and homes in the new construction phase, stimulating demand in the housing market. Whether indirectly, by boosting buys of pre-owned homes, or directly, by boosting housing starts, this gives builders and their crews more work. As for homeowners, they receive help in three ways, with tax credits, assistance with down payments, and with decreased interest rates. The initial purpose of the stimulus program was to stave off the economic slowdown of which existence became apparent during the financial crisis of 2008. The developing situation demanded reinforcement of these efforts, which came in the form of a more comprehensive plan from the federal government. In particular, the Obama administration believed that the reluctance to spend money came from the fear of losing home ownership. This, along with the collapse of real estate market, convinced to administration to act to stimulate home ownership. For any purchase made in the year 2009, a homebuyer may qualify for a 10 percent tax credit. This may for up to $8,000, with the basis being the gross purchase price. The home owner may claim this credit either the year of purchase or within two years of purchase. This tax credit provides money to the homeowner, which he may decide to save. Next is a reduction in the down payment. Usually, these are at least ten percent of the home’s price. The government plan is to pay off part of the down payment. Lower down payments make it easier to purchase the home. Furthermore, reducing the down payment reduces the burdens keeping you from placing money in an investment account or from improving the new home. Also, government help may reduce the interest rate on your home loan by reducing the basis points on the interest rate. Qualification for the tax credit requires that a single person’s income not exceed $75, 000 and that with a partner income not exceed $150,000. A third way to encourage home purchases is a tax rebate. In this case, the federal government places the rebate on the amount of interest assessed on the loan. This is not related to the tax credit. Under this stimulus program, homeowners may apply for both the credit and the rebate. Landlords, who buy property for income purposes, may qualify for the rebate. Because the landlord’s maintenance expenses go to the upkeep of the rented property, they are eligible for income tax deductions. Hence landlords are eligible for the rebate. Economic growth is impossible without continuous improvement of the national infrastructure. However, the collapse in the demand for housing hits precisely here. The Obama adminstration intends to rectify this with tax credits, down payment assistance, and interest rate reductions. Under the First Time Home Buyer program, it intends to place buyers in new homes and stimulate economic activity.

Source by Bryan Hendersen

Whether you are interested in a new roof installation or just roof renovation, one of the most important things you will have to do is hire the best roofer. There are many companies you can turn to. The problem is only a handful of them have your best interest at heart. So, what are some of the things you can do to ensure you hire a reliable roofer?

Ask for recommendations

Recommendations are the best sources of information when searching for a contractor. Turn to friends, neighbors or family members who have had roof renovation done recently. Whom did they hire and what was their experience? This information will give you a rough idea of what you can expect from the roofer.

In the same vein, you need to ask the roofer for references. Go through his portfolio to see the type of clients he works for and how good his work is. If he cannot give you any references, now is probably a good time to walk away from him.

Check for license and insurance

The last thing you want is to work with an incompetent roofer who will end up costing you more in damages. One of the best ways of avoiding incompetent contractors is to validate their license number. In addition to that, you also need to make sure they are insured so that you will not be liable for any accident that may occur during the project. The Department of Professional Regulations or the Licensing Board will help validate information on licensing.

Communication

How easily are you able to communicate with the contractor? If the roofer is unapproachable, there is a good chance the roofing (dakwerken) project will not be done to your specifications. A good roofer should be available round the clock to promote open communication.

Services available

Last but not least, you ought to look at the type of services that you will get. For example, will the roofer clean up the site after roof renovation? What types of warranties will he offer? The more the range of services you get the better.

Dakwerken Apers is one of the best companies you can turn to if you need roofing or roof renovation (dakrenovatie) services in Antwerpen. With more than 20 years of experience, the company has a proven track record of reliable services. The team can work on any roof type and deliver quality and comprehensive services thanks to the team’s experience and arsenal of roofing equipment.

Source by Ton Heminck

Whether you work from a home office or on the road, freelancers and digital nomads alike need to be extremely organized. Below are some great tools and resources to help you be more productive, connected, and informed.

EQUIPMENT:

• Laptop: First and foremost you need to break free from your desktop. You’re going to need something light yet powerful, especially if you’re going to be working from various coffee shops, coworking spaces, and office locations. You don’t want a bulky or slow machine holding you back. A docking station with mouse and keyboard (and even a monitor) is helpful to have in your home office or primary work location.
• Phone: A smartphone will help you stay connected even when you can’t be on your computer. You can also use it as a hotspot when needed. Have all your essential apps downloaded and synced with your computer and remember to back it up frequently. If your phone is unlocked it’s also handy to get a local SIM/phone plan when traveling.
• Bag: You’ll need to get a sturdy shoulder bag, briefcase or backpack that works for you. Have a place or compartment for everything and keep it organized. Make sure it’s comfortable and versatile.  
• Batteries and Adapters: External batteries will help keep your devices charged up! Also make sure to have the proper adapters or converters if you’re traveling abroad.
• Personal Wifi/data hotspot: Whether you’re on the road or your internet goes out at home, a mobile hotspot can help keep you connected. Perfect if you’re in a place with expensive data packages or areas without coverage.

Optional: A good camera if you’re creating a lot of your own content and a tablet for reading or light work are also nice to have, but not essential.

SOFTWARE, APPS, AND SITES:

• DropBox: Always backup your files! You never know if you’ll need to use someone else’s computer, misplace yours, or need to share something in a pinch. You’ll also want an easy way to share files with clients or coworkers. Here’s 500 MB of extra space to get you started.
• LastPass or 1Password: It’s a good idea to have a password safe to help protect and manage all your passwords across your devices.
• Skype: Skype is one of the best and easiest ways to make calls especially when abroad. It’s pretty standard for most businesses to use, but make sure you ask your clients if they have any other forms of online communication they use and have those downloaded and easily accessible as well.
• Slack: A tool like Slack will help you communicate with your clients and teams quickly and reduce noise in your email. Check out some handy Slack tips here. 
• Speedtest: Want to test a wifi connection of a coffee shop or room you’re renting? Download Speedtest see how good (or weak) the signal is. Highly recommend testing out your workspace before committing to or paying for a space,
• HelloSign/DocuSign: Easily and securely sign and send documents. And an app like Scanner Pro will help you scan documents directly with your smartphone.
• Freedom: This app helps block out distractions across all your devices while you’re working.
• Calm: Remember to take breaks and take care of yourself. Calm is a meditation and guided mindfulness app to help you relax and relieve stress.
• Hemingway: If you’re doing a lot of writing, use Hemingway. It’s like a spellchecker, but for style to make sure your writing is bold and clear. While you’re at it, use Grammarly to check for any grammar mistakes.
• CloudApp: Share screen grabs, record your screen, and collaborate quickly with your clients and teammates.
• Spotify: Make offline playlists so you’ll always have your favorite music.
• Lynda/Treehouse/Skillshare: Learn something new or brush up on your existing skills. 

Organization and Prioritization:

• Buffer/Hootsuite: Schedule posts and monitor your social channels in one place.
• Unroll.Me: Clean up your inbox by unsubscribing from unwanted emails and organizing all your favorite subscripitons in one place in one daily email.
• FreelanceSuite: You’ll need a tool to help manage all your customers, projects and your invoicing.
• Content curation tools: View the full list here.
• Wunderlist: There are tons of to do list and task management apps and sites. Pick one that works best for you to help keep all your lists organized.
• Timely or Harvest: If you’re working with multiple clients and especially if you’re on a hourly rate, make sure you log your hours and monitor the time you’re working. Apps like Timely and Harvest monitor it seamlessly and easily for you.
• Clock & Calendar: If you’re dealing with multiple timezones it’s essential to keep all your meetings and deadlines in order. Something like World Time Buddy is perfect to convert times and schedule across multiple timezones.
• Everlance: Log your mileage and track your expenses. Stay on budget while you travel and monitor your spending, and see an overview of your taxable income.
• Evernote: Keep all your notes in one place and synced across all your devices. 

Travel:

• TripAdvisor: Reviews and recommendations for everything from hotels to restaurants and activities. You can also download and use offline. Yelp and Foursquare are also great resources depending on your location.
• Airbnb: One way to save money while traveling is to rent a home or room on sites like Airbnb. Filter your search by location, price, and ever so important amenities like Wifi. If you live somewhere that allows it, you can also rent your place to earn some extra cash to travel.
• Google Maps: Google Maps has driving directions, walking directions, public transit times, points of interest and pretty much anything else you’ll need to find your way around. You can also download maps to use offline when you’re running low on data or don’t have a wifi connection.
• NomadList: Rankings of locations based on everything a digital nomad would need from wifi strength to accommodation pricing.
• Skyscanner: Search for cheap flights with Skyscanner. If you don’t have a particular destination or time in mind, check out Hitlist.
• TripCase: Keep track of all your trips and manage all your travel  itineraries in one place.
• Uber & Lyft: Ride-sharing services are popping up all over the US and world. These apps are quickly becoming the easiest way to catch a ride and you can pay directly in the app.
• Google Translate: This app is perfect if you do a lot of traveling and don’t know the native language. It not only helps you translate through voice, but it can also translate signs, menus, and other text through the camera. 

BLOGS:

• Lifehacker: Tips, tricks, and downloads for getting things done. Covers everything from travel hacks, productivity tips, and has how-to guides for pretty much anything and everything.
• Social Media Examiner: While there are tons of social media blogs out there, this one consistently produces a lot of great content about all things social.
• Brainpickings: Need to read something interesting? Stories span everything from art, science, to design, history and philosophy.
• Problogger: Very insightful tips and a lot of excellent resources for bloggers.
• Work Made for Hire: Creative business advice for creative people. 

PODCASTS:

• You can find our list of must-listen podcasts here. 

NEWSLETTERS:

• The Muse: While it doesn’t focus specifically on freelancers, it’s a great newsletter for anyone building their career and personal brand.
• The Freelancer: If you’re a creative freelancer, especially a writer, this newsletter from Contently has a lot of great tips and resources.
• Morning Short: A fictional short story is a great way to start your morning and get those creative juices flowing.
• Freelancers Union: All things freelancing from insurance tips and writing how-tos.
• Torchliter Newsletter: Digital marketing tips and tricks, insider access to new resources for small business and the latest news, blogs, and webinars from us at Torchlite.

Did we miss anything? Tell us your favorite tools and resources below.

Want to join Torchlite’s community? Apply to become a Torchliter.

Source by Ashley McGregor Dey

The  B2B e-Marketplace comprise of large amount of B2B traders or marketers. They inquire,  buy and  sell daily on the platform. However there is more than just buying and selling on the platform. For example, how the buyers can get the suppliers those who understand their appetites and personalities in addition to the product’s specification or payment terms. So the social media network is a supplement to bridge this gap. Although the viral marketing and social media are quite popular now, most of them are limited to B2B marketing or message posting.  

Turn the Buzz Words to Real Business

We hear a lot of buzz words like “B2B”, “social media network”, “internet marketing”, “viral marketing”, and etc. B2B e-Marketplace is definitely separated from social media network. However the internet traders are using both to sell and trade. I believe if combining B2B e-Marketplace and social media network, the new selling power will be generated and more reliable business network will be established.

In social media network, we learn the background of the person you are dealing with in the business, including his education, the positions he held before, experience, interest, his group, daily activities, and etc. In B2B marketplace, we know what he is selling or buying, his products’ information, his dealing records (enquires, invoices, and etc). If both are integrated, we can see the whole picture of the person you are dealing with. As an Internet trader, I am sure you not only want to know the company introduction and product specification. You also intend to understand his all details. If you can do that, more reliable and securer business partnership can be built through restrict selection of business partners.  

The communication on activities update is another weakness of B2B portal. In tradition, you might contact your business partner occasionally or when you do the business with him. If he can publish the authenticated message or daily activities online, you will get those updates almost real-time. It will be helpful to both parties and let the people in his group know the updates. For example, he will take 3-week off for holidays in Caribbean Sea. He just places this update online and all people in the group will know it. So you or any people can do the same thing through social media network.

What If the Other Business Persons I Really Want to Know

For more B2B Portal you can send the message directly to the person or company you really want to know and wait for their reply. So all others business people to you like strangers. In social media network, you can join any group. You can get introduced to a stranger through the personal you know already. You can also write your proper introduction and profiles and let other people stick to you.

Conclusion

It would be a new bomb if B2B e-Marketplace portal and social media network are successfully integrated. The  EasyTrade.com promises to develop the B2B e-Marketplace Portal in many new rooms and brings wonderful experience to our members.    

Source by yimaowang

Serious health ailments or injuries can only be treated under the supervision of health experts and medical staff and hence in such circumstances, hospitalization becomes quintessential. But when the needful treatment is completed, and the patient is undergoing recovery, you have an option of shifting the patient to home or keeping him hospitalized. Lately there has been a growing trend towards opting for NJ home health care. The reasons can be many including long distance stay from the hospital, hectic job schedule, lack of manpower for accompanying the patient in the hospital and similar other responsibilities. 

Home health care offers more comfort

The only exclusive and most adorable place that offers you complete comfort and solace is your home, your own room. Although, you have trained staff attending to you when you are not well, when you are recuperating you can shift to your own place. Thanks to visiting nurse service in NJ getting trained nursing aid at your home is possible!

When you are at home, you are more comfortable and happy and understandingly so as you are surrounded by your beloved family members, friends, pets and other familiar things that make you feel homely and cozy.

Apart from serving recovering patients, NJ home health care is also good for those ailing patients who are suffering from acute and chronic illnesses such as osteoporosis or arthritis and cannot go out on their own without help. For such people visiting nurse service in NJis of great help.

Pet therapy and care

Such service centers also offer home care services for pet therapy and care. There are many families who keep pets for companionship. These pets are as important as any family member and hence whenever a family has to go on outing or holiday, they have to find a suitable caretaking person for the upkeep of their pet/pets. Home care services readily can send professional care taker for the pet and relieve you of your stress.

Home care rehabilitative therapy

After a particular age, there are many elderly people who suffer from bones and joints problem that more often leads to impairment. In young people, birth deformity or accident can be the reason behind impairment. Such people need regular care and nursing and that too from a trained professional. At times, it is difficult for family members to daily spare time for such things and hence services such as rehabilitative therapy in NJ are approached.

After a surgery, doing mundane, daily activities also become very difficult for the patient. In such a situation only a trained medical professional can help. This procedure can take months together and hospitalization for such a long term can be heavy on pocket and also on time. Hence, rehabilitative therapy in NJ is preferred which offers highly qualified, compassionate and efficient staff.

From physical therapy to occupational therapy, you can opt for various types of services according to the recommendation of the doctor and carry out the recovery procedure at home without compromising on the health care aspect of the patient.

This article is talking about the ideas to elder care. Here you can get best methods for elder care services

Source by Anamika Raj

Since Medicare is the principal source of funding for graduate medical education in the US, a lot of residency programs have witnessed limitations when the economy went sour. Many states look at graduate medical education as a target to cut down their budgets. Consequently, teaching hospitals and academic health centers are now caught in a tight situation between cutting costs and looking for new funding sources other than Medicare. These centers are focusing on finding a solution to maintain their residency programs while they should be expanding them to cope up with the growing number of physicians, the increasing demand from the population, the new advances and technologies in healthcare.

In my opinion, a key issue is not just the funding, but also the government not being in control of the residency positions by specialty. As a result, many physicians became clinical specialists while the healthcare delivery system in the US should be improving primary and ambulatory care practices. In contrast, in the UK, the government finances residency positions and controls the number of slots by specialty. If the US government evaluated which medical specialties need more residents and which do not, then the residency programs will be more efficient and cost effective. Also, if Medicare wasn’t the only main contributor to graduate medical training programs and the government allowed for more entrepreneurs and private companies to help fund these programs under its supervision, the unnecessary cut backs will decrease, hence expanding efficient residency programs that focus on areas and domains that need more physicians. Another consideration should be increasing the grants and scholarships from universities for medical students with excellent performances to enable them to enroll in residency programs in the country or even abroad. Universities could limit the budget that goes to unnecessary facilities and use it to fund residency programs with the help of generous donors and fund raising events. Either way, federal funding, academic hospitals, universities and state legislators should collaborate to avoid any shortages in graduate medical education additional to controlling the number of positions by specialty, which will provide comprehensive medical care in all areas.

Source by maha Aljawini

If you are suffering from accidents by car and others vehicles and you injured and hospital expenses is also heavy. And also car repair and maintenance is also costly all money goes from your pocket. For this condition you are not responsible and also you suffer from health and money. Culprit is free and also don’t know about injury person no one tell about them fault. Therefore most of the people suffering from personal injury due to others and others person are not accepting also. For this situation we are responsible because we are not take any restrict action on this type of accidents and persons.

If you want compensation from others party then definitely contact to personal injury lawyer. He can help you for compensation and also for insurance. Because without personal lawyer no any work done easily. Howard Chappell is famous lawyers and he is running Chappell Law firm more than ten years and working very successfully in this field. Chappell law firm is known for motorcycle accident attorney, auto accident attorney or personal injury lawyer. He is working for people of Florida, Cape Coral, and Fort Myers.

Fort Myers Motorcycle Accident Lawyer Howard Chappell is best lawyer for motorcycle accident in Fort Myer. You can speak directly no need to mediator for talk. And also he listen your all situation and then apply attorney on your situation. Firstly he is evaluating all things related to accident. Howard personally getting to know each client who come in office and focus on case.  Also focus on work and one time one work and he is not increase work load. And also no demand to advance fee unless you win case. So don’t avoid and get contact for case and feel good after Howard solution and sure he will win your case.

Personal Injury attorney Cape Coral Chappell Law Group also works for personal Injury attorney. In personal injury some types are available like Animal Attacks, Auto Accident, Boating Accidents, Boating Accident, Dog Bites, Motorcycle accident. These are personal injury and our groups are best to find solution of these situation.  Also understand your needs and he is working with quality and also clients believe on his attorney. He works with you every step and also gives you right decision for personal injury. After personal injury you are not able to take smart decision so take smart decision and consult Howard chapel. He can help you for case and also you win and make your case easy by the help of Personal Injury lawyer. If you also want to consult then contact us.

Source by attorneychappell

Options are attractive to the private trader due to their special advantages. By buying options, you are given the opportunity to participating in the market with limited known risk. Besides, the capital that you need to invest is just a small fraction of the price of the underlying shares. Option buyer need to pay a premium when buying options, which is very much less than the stock prices.  

For those who are not familiar how actually options work, it may be a little bit confusing in the beginning. Options actually share a lot of same characteristics like insurance policies, which most people should be able to understand. We will get a clearer picture of how literally options work by checking through the features that options and insurance policies have.  

For an insurance policy, the policy is actually a contract between the purchaser and the underwriter of the insurance policy. Underwriter of the insurance policy is the company, whose sells the policy. Whereas; option is a contract between the option buyer and seller when there is an initial transaction taking place. Stated in the contract, option buyer has the right to buy an amount of stock from the seller at an agree price within a specific period of time; whereas, seller has to obligate to sell an amount of stock to the buyer at an agree price within a specific period of time.  This agreed price is called strike price.  

For insurance policy, purchaser pays a premium to the insurance underwriter. The probability payout is influenced by a number of factors, which the premium is dependent. Premium will be charged higher if the risk payout is higher. Whereas for option; purchaser of the option contract pays premium to the writer of the option. A number of factors, which will affect the overall likelihood of a particular stock price being reached, will also affect the amount that needed to be paid as a premium. When the premium for the option is higher, the likelihood of a stock price can reached also higher. 

In term of time period, the validity of the insurance policy is within a specific length of time. The passing of time works in favour to the insurance underwriter but against to the purchaser of the insurance policy. For option, it works exactly same as the insurance policy, that is option contract is valid within a specific length of time. When the time passes, it does not favour to the option buyer but favour to option writer.  

Upfront is the risk for the purchaser of the insurance contract. The policy is paid by the premium. The insurance underwriter risk is open-ended depending on the terms that are insured. In options trading, the options buyer risk is also known as upfront. The option is paid by the premium. Here are the differences between insurance policy and the option. The option buyer can gain more than premium that he or she has paid for the option but not less than the premium. On the other hand, option writer has open-ended risk potential, which may cause unlimited loss.  

In term of payout, if there is any event that has been stated in the insurance policy has occurred, the payout from the insurance company will be a lot more than the original premium paid. If the market direction favours the option buyer, then he or she has unlimited profit potential. The option buyer may make a lot of money, which is many times more than the premium that he or she has been paid. 

Source by Alexander Chong

There are a lot of home buyers who don’t really know how much coverage they should need for the home that they just bought. The usual case is that they want enough insurance and coverage to meet the cost of all their assets inside the home.

They also want the renovation and rebuilding to be covered so that they can get their money’s worth in the long run.

Most importantly, they look into insurance that will make them sleep at night just in case there is a natural disaster like fire or flood.

Basically, people are wondering what the general homeowner’s insurance estimate rate is. There is not a single answer to this question. The homeowner’s insurance estimate depends on the insurance quotes of the insurance companies.

As a homeowner, you should ask your mortgage company all the questions in your head before you commit to any plans or policies that they are offering you.

Your main priority is to invest in your home and to be assured that whatever happens, your home and your belongings will be okay. This is the responsibility of your mortgage company.

That is why they offer you the homeowner’s insurance estimate rates. By giving them the information that they need from you, they can calculate your total cost if you say yes to the policy or the plan that they are offering you.

They need to get your CLUE or the information on how long you have been staying in your house, as well as the length of time your house was built. They also look onto the risks you have to encounter in your area.

If you reside in an area that is prone to burglary, then your homeowner’s insurance estimate rate might be higher than vicinities that have no reports of break-ins or burglaries whatsoever.

You must look at the cost of your home and the actual cost it would take if ever you are to rebuild it. This is another way for you to determine your homeowner’s insurance estimate yourself.

You can check with insurance agents if ever you want to make sure that your own estimation is correct.

You can actually ask them about homeowner’s insurance estimate and they can customize the plan for you, that is if you are eligible in that kind of condition. If you own a home, you should definitely make it an investment.

In doing so, you protect your family and yourself. The homeowner’s insurance estimate can definitely result to quality coverage that you deserve. After all, any investment is worth protecting.

Now that you have an idea on your homeowner’s insurance estimate, go out there and get the homeowner’s insurance policy that is right for you. After you do this, you can sleep better at night.

Source by Ricky Lim