How to Save Money With a Pet Health Care Plan

The health of your pet is very important therefore the necessity of having a pet health care plan is the one that can work as a coverage in the pet’s medical expenses.It is a known fact that a pet’s medical expenses can be very high once the pet owner doesn’t have an insurance, and as such being forced to pay for the expensive service performed by the veterinary when looking after the pet. Since your pet is like another member of your family you should make sure that it has all the medical care that is needed in a given situation.Due to the high expenses there are some situations when a pet owner is facing either paying the expensive bills of a pet medical care or provide for the family. This is indeed a tough position as long as the pet is loved by all the members of the family.There are unfortunately health problems that pets suffer from, such as: bone problems, cancer, diseases, hip problems, vision problems. Since pets grow old faster than humans as a pet owner you witness their ailments and diseases sooner than you ever expected.How does this pet health care plan works? The same way as your health insurance plan: paying a monthly premium once the plan is decided upon. Whenever your pet will need a health care through the assistance of a veterinary, you then file a claim with the carrier of your pet health insurance plan.You pay the veterinary services then have them fill in the form and then present it to the insurance company. Once the claim form is received then it will be processed; you will receive a letter through which the benefits are explained and then a reimbursement is attached for the medical expenses that the pet health care plan covers.Such a plan usually get your pet insured for x-rays, vaccinations, checkups, prescriptions, yearly exams and heart worm testing. This is excellent for the pet owner as they will be reimbursed when they have to run a periodical check up by the veterinarian.In this way you can save a lot of money having the pet health’s problems covered by a pet health care insurance plan. This can also cover spaying and neutering as these ones could cost sometimes more than a couple of hundreds dollars so in this situation a reimbursement is more than helpful.Pets being beloved members of the family deserve the best care, both spiritual and physical. Pets will always love their owners unconditionally and will always put a smile on your face when you need it the most. Therefore offering it a pet health care plan is part of the care and love that you can give to your pet; a monthly premium payment will show its benefits allowing you as well to save considerable amounts of money.

Posted in Uncategorized | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , | Comments Off

Thrive in a Tough Economy – Opportunities in Health Care

Today’s economy is in an apparent freefall; mortgage crises, Wall Street bailouts, and weakening job prospects are affecting us all. Hope is not lost, however; there is one employment sector that continues to show steady growth. According to Joanne Giudicelli, Talent Management Consultant and author of HIRE POWER: A Radical New Strategy for Defining and Executing Successful Hiring”, the health care sector is itself among the healthiest in terms of employment opportunities. According to Giudicelli, “As the large crop of Baby Boomers age, the need for health workers has increased. The need is not only found in the United States, but in countries throughout the world.” Backing Giudicelli’s statement, an August 1, 2008 report from the Bureau of Labor Statistics (BLS) stated that “employment continued to fall in construction, manufacturing, and several service-providing industries, while health care continued to add jobs.”The BLS further points out, “Employment in health care continued to increase with a gain of 33,000 in July. This industry has added 368,000 jobs over the past 12 months. In July, there were job gains of 21,000 in ambulatory health care services and 10,000 in hospitals.”Registered nurses were among the health care careers with the highest employment in 2007, while physician specialists and dental specialists were among the highest paid. The 2008-2009 Occupational Outlook Handbook (available at http://www.bls.gov/OCO/) offers three separate health care listings:Professional: Health Diagnosing and Treating-17 occupations, including physicians, surgeons and dentists.Professional: Health Technologists and Technicians-15 occupations, including various specialized technicians, registered nurses and athletic trainers.Service: Healthcare Support-8 occupations, including dental assistants, massage therapists and administrative positions such as medical transcribing.Career Coach and Author Alice Fairhurst points out, “While most people are aware of the critical need for primary care physicians, physician assistants and nursing staff, many do not realize the shortage in the allied health professionals such as respiratory care practitioners, medical transcriptionists, radiographers and lab technicians. Those with the highest projected need include physical therapist assistants, dental hygienists and pharmacy technicians. Some health care providers are working with two year colleges to provide needed clinical training.”Mid-career workers who have lost their jobs due to downsizing are training to enter fields where demand is high. Right now, health care is at the top of the list. Additionally, health care workers from other countries are getting U.S. certification to meet the increasing demand.To help sort out the various opportunities in this growing sector, Fairhurst recommends individuals take a personality assessment. The Keirsey Temperament Sorter (free at keirsey.com) can help guide you to health care careers that would be most satisfying for your personality type.oGuardians like the stability and service aspect of health care, preferring technical fields: dentist, physician, pharmacist or lab technologist. Many Guardians prefer fields requiring direct contact with patients: family physician, nurse, dental assistant or medical secretary.oArtisans like action and change of pace and can often be found as surgeons, emergency care workers, or medical technicians. Some Guardians may become nurses, radiology technologists, medical social workers, or massage therapists.oIdealists want to improve the future for others. Some Idealists are drawn to rehabilitation, speech pathology, and social work, while others teach/counsel others or administer in health care settings.oRationals are the most fascinated with pure science, and are drawn to administration, scientific analysis, or biomedical engineering. Certain Rationals seek the newest advances in any field and can be found promoting and/or researching new ideas.If you’re new to the workforce, looking to make a change, or have had change thrust upon you by the melting economy, the opportunities in health care are worth investigating. There is a broad range of jobs in the field, and there is sure to be at least one that offers career satisfaction to any person, regardless of personality type. For more information on temperament, and to take the free Keirsey Temperament Sorter, please visit Keirsey.com.

Posted in health care | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , | Comments Off

A Guide to Commercial Real Estate Loan Workouts

Prompted by the current residential real estate crash, The Board of Governors of the Federal Reserve banking system issued and adopted a policy statement last October on Prudent Commercial Real Estate Loan Workouts. The Federal Reserve and the other financial regulators issued this policy statement to update longstanding guidance regarding the workout of Commercial Real Estate loans. Government regulators have found that prudent CRE loan workouts are often in the best interests of the financial institution and the borrowers.According to the experts in the field, there is roughly 3.5 trillion dollars worth of commercial real estate debt in the US and about half is in the hands of community and regional lending institutions. Almost all of this debt is in jeopardy because the refinance markets are currently non-existent. Add to that the plummeting value of these properties and you have a commercial debt crisis like we have never experienced before in this country.The only practical answer on the horizon is a commercial loan modification which is what the Federal Reserve is hoping for. The Obama administration is already planning incentives for commercial lenders to avoid the multi-trillion dollar crises that looms. Many lenders look favorably upon commercial mortgage modifications, and are more willing to work with qualified businesses on problem loan workouts. A commercial mortgage modification is an alteration to your existing loan that would make the terms easier for a business to afford. A commercial mortgage can be secured by hotels, golf courses, shopping malls, apartment complexes, office buildings, shipping warehouses, or any other type of commercial property that does not fall into the 1-4 unit residential property definition.A Commercial Loan modification is not an easy thing to secure and must be negotiated by an attorney familiar with the industry and one who has the supporting documents necessary to be able to approach your lender with a feasible workout solution. A workout solution can take the form of a rate reduction, term extension, principal forgiveness, temporary forbearance, short refi option or any combination of these.If your business has struggled and / or has a note coming due, contact a reputable and seasoned commercial mortgage modification specialist. It can be the difference between bankruptcy and financial health moving forward.

Posted in Uncategorized | Tagged , , , , , , , , , | Comments Off