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Community Needs Health Assessment

In 2012 the Internal Revenue Service mandated that all non-profit hospitals undertake a community health needs assessment (CHNA) that year and every three years thereafter. Further, these hospitals need to file a report every year thereafter detailing the progress that the community is making towards meeting the indicated needs. This type of assessment is a prime example of primary prevention strategy in population health management. Primary prevention strategies focus on preventing the occurrence of diseases or strengthen the resistance to diseases by focusing on environmental factors generally.

I believe that it is very fortunate that non-profit hospitals are carrying out this activity in their communities. By assessing the needs of the community and by working with community groups to improve the health of the community great strides can be made in improving public health, a key determinant of one’s overall health. As stated on the Institute for Healthcare Improvement’s Blue Shirt Blog (CHNAs and Beyond: Hospitals and Community Health Improvement), “There is growing recognition that the social determinants of health – where we live, work, and play, the food we eat, the opportunities we have to work and exercise and live in safety – drive health outcomes. Of course, there is a large role for health care to play in delivering health care services, but it is indisputable that the foundation of a healthy life lies within the community. To manage true population health – that is, the health of a community – hospitals and health systems must partner with a broad spectrum of stakeholders who share ownership for improving health in our communities.” I believe that these types of community involvement will become increasingly important as reimbursement is driven by value.

Historically, healthcare providers have managed the health of individuals and local health departments have managed the community environment to promote healthy lives. Now, with the IRS requirement, the work of the two are beginning to overlap. Added to the recent connection of the two are local coalitions and community organizations, such as religious organizations.

The community in which I live provides an excellent example of the new interconnections of various organizations to collectively improve the health of the community. In 2014 nine non-profits, including three hospitals, in Kent County, Michigan conducted a CHNA of the county to assess the strengths and weaknesses of health in the county and to assess the community’s perceptions of the pressing health needs. The assessment concluded that the key areas of focus for improving the health of the community are:

· Mental health issues

· Poor nutrition and obesity

· Substance abuse

· Violence and safety

At this time the Kent County Health Department has begun developing a strategic plan for the community to address these issues. A wide variety of community groups have begun meeting monthly to form this strategic plan. There are four work groups, one for each of the key areas of focus. I am involved in the Substance Abuse workgroup as a representative of one of my clients, Kent Intermediate School District. Other members include a substance abuse prevention coalition, a Federally qualified health center, a substance abuse treatment center and the local YMCA, among others. The local hospitals are involved in other workgroups. One of the treatment group representatives is a co-chair of our group. The health department wants to be sure that the strategic plan is community driven.

At the first meeting the health department leadership stated that the strategic plan must be community driven. This is so in order that the various agencies in the community will buy into the strategic plan and will work cooperatively to provide the most effective prevention and treatment services without overlap. The dollars spent on services will be more effective if the various agencies work to enhance each others’ work, to the extent possible.

At this time the Substance Abuse work group is examining relevant data from the 2014 CHNA survey and from other local resources. The epidemiologist at the health department is reviewing relevant data with the group so that any decisions about the goals of the strategic plan will be data driven. Using data to make decisions is one of the keystones of the group’s operating principles. All objectives in the strategic plan will be specific, measurable, achievable, realistic and time-bound (SMART).

Once the strategic plan is finished, the groups will continue with implementation of the plan, evaluating the outcomes of the implementation and adjusting the plan as needed in light of evaluation. As one can see, the workgroups of the CHNA are following the classic Plan-Do-Check-Act process. This process has been shown time and again in many settings-healthcare, business, manufacturing, et al-to produce excellent outcomes when properly followed.

As noted above I recommend that healthcare providers become involved with community groups to apply population level health management strategies to improve the overall health of the community. One good area of involvement is the Community Health Needs Assessment project being implemented through the local health department and non-profit hospitals.

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4G Mobile Technologies Demystified

Until recently, we have witnessed the evolution of mobile technologies from the radio frequency technologies right up to the 3G technologies that are currently making waves all around the world. A new technology has now come to us, 4G mobile technology. This technology is nothing but a new technology for the next generation of mobile phones. It was made available commercially in the USA from the year 2009. But, in India it is a relatively new wave that has not yet reached a crescendo. In India, right now we are in the midst of the 3G wave of mobile technology.

To simplify matters, 4G refers to the fourth generation of mobile technologies. We have got to this stage due to the evolution of technology from its primitive 1G version, through to 4G technology. In other words, 3G mobile technology covers the carrying of data in its digital formats. This activity leads to enhanced information services like websites in their original formats, etc.. The famous Apple iPhone is a silent testimony to the success of 3G mobile technology. Although we have not reached there yet, the 4G mobile technologies are the next wave of improvisation in mobile technology.

This technology has not yet established itself, and it does not have any agreed set of standards and rules, not to talk of protocols. However, it is sure to revolutionize the way people use the internet on their mobile phones. This technology is not yet fully defined, and so it cannot be said to be totally discovered. This new technology involves enhanced security features since data transfer is increasingly being done through fiber optic cable networks, wireless networks, etc.. 4G technology talks of the security measures to be provided by these enigmatic technologies.

One of the primary goals of 4G mobile technology is to minimize the blips in transmission when devices are taken from one area to another. Another goal of this new technology is to leverage the power of IP networks for increased safety and security of the data that is being transferred through a fibre optic cable network. If 3G made e-commerce a reality, then 4G will make uninterrupted internet access a reality for all and sundry. The USA uses 4G technologies in two ways- WiMAX technology, and the other is Long Term Evolution or LTE technology.

4G technology is primarily used for data and voice transfer over the internet and fibre optic cable networks. Customers who have a strong 4G network in their homes can use it to access high-speed internet access through Wi-Fi networks that are built into routers and switches. This facility does not need the use of cables for data and voice transfer. Unobstructed Internet access, through external networks apart from those being offered by coffee shops, airports and libraries will be made a reality, thanks to the advent of 4G networks.

An aspiring pmp professional who is a graduate in civil engineering and has experience and qualifications on the commercial side of engineering, seeks to express his opinions and views based on his experience of the world.

Apart from being a full time worker in the construction industry, he is also a freelance writer who writes for blogs and websites.

Currently he is working for private clients as a freelance content writer. His rich language skills and superior grammar are a showcase for all other technical people.

 

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Shakespeare Comes to Life on Satellite TV

While many of us have had the either pleasure or chore of reading the great English bard in high school, there is something left to be had in the reading. Shakespeare wrote plays after all, which were meant to be performed. Of course, plays are not always for everyone-but luckily, many of the playwright’s greatest hits have been filmed by some of Hollywood’s greatest stars. So even if you can’t go to the Globe theatre to catch Hamlet live, you can tune up your satellite TV and watch the brooding Dane in HD-almost as good, I’d say, as the live version.

My Own Private Idaho: bazinga This is an adaptation from director Gus Van Sant. While it does not strictly follow any one Shakespeare play, it does use a Falstaff plot-he of the Henry IV plays. The movie stars River Phoenix and Keanu Reeves as two young friends who go on a journey from Idaho to Italy and Oregon, of personal revelation. The Reeves character, Scott, is based on Prince Hal the son of the king in Shakespeare’s Henry IV. My Own Private Idaho received much critical acclaim and you can catch it on the Independent Film Channel via satellite TV, or on the remastered HD DVD.

Romeo+Juliet: Directed by Aussie Baz Luhrman and starring Claire Danes and Leonardo Di Caprio, this is a modern remake of the Bard’s most famous romance. Luhrman fuses stunning visuals, e.g. balletic style gang violence with a trove of iconic religious imagery. The soundtrack is strictly rock and pop, giving the film a fresh, melancholic edge. Interestingly, the original language is left intact, making this one of the more original adaptations to come around. It also established the young DiCaprio’s reputation as a worldwide heartthrob. Anything less than HD wouldn’t do the film justice.

Rosencrantz and Guildenstern Are Dead: From playwright Tom Stoppard, this play turned movie takes up Hamlet from the point of view of the messengers Rosencrantz and Guildenstern, played by Gary Oldman and Tim Roth, respectively. It’s a brilliant piece of work, combining Shakespearean riffs on pastiche, dialogue and brooding.

Shakespeare in Love: This film sports a young Joseph Fiennes as the bard, who, as fate would have it suffers from a severe case of writer’s block. This romantic comedy comes from the one and only Tom Stoppard (see above). It takes on the subject of authorship, movie making, and forbidden love. This costume drama revived the tired genre. It is witty, subversive and lots of fun.

Richard III: Ian McKellen’s performance as king Richard III is excellent; incidentally, it was Mckellen who actually co-wrote the screenplay with director Loncraine. In this adaptation, the plot takes place in 1930’s Germany, amidst Fascists and Nazis. It is indeed an inspired revision of the play. Mckellen’s Richard is villainous and brilliant. The entire cast does a smashing job– Kristen Scott Thomas as Lady Anne, Robert Downey Jr. as Rivers, and Annette Benning as Elizabeth, wife of Edward IV. The Shakespearean language does not clash with the updated plot and the grace and style of the performances simply puts this film up there as one of the best adaptations you can find.

Direct TV is the nation’s leading provider of satellite television services. For the best in sports programming, movies, and high-definition entertainment, check out the many great Direct TV deals currently available.

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What type of Artist do I want to be?

. Be True to Yourself- Ask yourself questions like “What type of Artist do I want to be?” Align your beliefs and values with your vision and actions. Live as www.lifeofanartist.nl  though the world is always watching. If you have nothing to hide – you have nothing to fear. as Kurt Cobain said, “I’d rather be hated for who I am, than loved for who I am not.” This gives you the credibility of authentic and is manifested in the actions you promise AND deliver. Do what you say you’ll do – fulfill promises. When people observe what you do and know who you really are, they’ll be able to tell if you’re an honourable and trusted Artist who deserves their respect or a self-serving one who doesn’t. This will energize your fans and motivate them to follow your vision. If no one believes in you or cares about what you say, your career is dead in the water. Work hard to maintain your credibility while you develop a great reputation. Be kind, courteous, and respectful to everyone.

8. Cooperate with Others- An Artist does not and cannot work in a vacuum. Everything you accomplish is associated with other people in some way. Do not be a diva – build and work with a team. Your ability to meet and select key people to work with is essential. Surround yourself with people who take their work seriously, but not themselves. You need to ensure that all parts of your team work together in harmony to achieve the results you desire.

9. Monitor and Review Your Progress- Not only do you need to perform and get results, you need to measure and evaluate your progress as you work on your plan. Find a way to track your progress that makes sense to you, but don’t micromanage your work. Periodically ask yourself “What did I do right?” or “What would I do differently?” Look for the good and the bad so you can adjust your approach. It’s best if you set up a regular schedule to check your progress. One thing I find that works well is working on the plan daily but checking progress weekly.

10. Simplify Your Life- Your plans need to be easily understood so that they can be easily executed. You must put high value on simplicity in order to achieve it. You need to be able to cut through arguments, debates, and doubts and get to solutions that anyone and everyone can easily understand.

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What Is Amazon FBA?

A question that is on many people’s lips is “What Is Amazon FBA”? To help me explain what Amazon FBA is, let us look at a little story, of how Amazon FBA can help you take your online selling business to the next level.

Amazon FBA or to give it, it’s full name Fulfilment By Amazon is a program set up by Amazon that allows you to use Amazon to warehouse and then send out your items (and also always you to sell your items on the Amazon Site). Amazon FBA is very simple, but at the same time is a very powerful and can take your business to the next level for very low costs.

Imagine the scene you are busy doing radio your product sourcing and have picked up some books, CD’s DVD’s, Home and Beauty items a few new toys (Yes items sold via Amazon FBA have to be either new or collectible). Now normally at the back of your mind you are thinking I wish I could buy more stock, but there is no more room at home. This is where the Amazon FBA comes into play. And you can just test the water out of using the basic Amazon selling account or you can be a Pro-Merchant, it does not matter.

You come home and scan or list the items as usual into your Amazon selling account and a few clicks later, you print out some bar codes which you must put over the original bar code on the item (Yes items will need to have a bar code or listed on the Amazon site). A few more clicks and you print out a packing slip which goes in the box or boxes. You then book a pick-up from a carrier and this does depend on where you live and how you pay for it – each country is different.

Next you complete the order and wait for the order to be picked up and within days your item will be in the Amazon warehouse being sold for you and you can sit back and bank the money. Amazon FBA deals with payments, shipping, and customer emails, you just need to source more stock and bank the money.

Yes there are some extra costs that Amazon charges but these are low, and the savings you make on the postage is fantastic – remember you are using Amazon’s buying power and no more queues in Post Offices and no more having to buy bubble wrap and boxes.

Something else people do not realise is that you can use Amazon FBA to ship out to your eBay and other buyers. Yes Amazon store the items, and send the items out for you. And for very little cost and in most cases a lot cheaper than you can do. All the pricing information can be found on your countries Amazon site. Just do a search for Amazon FBA.

Go on and give it a go, you have nothing to lose and a lot to gain.

Andrew Milburn has been an active member of online auctions and other selling platforms such as Amazon for over 8 years. He loves the excitement of the online selling arena, but he also loves helping other people get the same buzz, and regularly coaches and teaches people in small groups or on their own.

 

 

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How You Can Become Successful By Partnering With Amazon

Most people do not become successful on their own there is usually someone who has influenced their idea or strategy. If you have a product to sell, why not stand on the shoulders of those who have gone through the process of retailing before.

I am talking about Amazon. All small and midsize online retailers have faced the challenge of attracting customers and finding an efficient way to sell to those visitors. Many small and midsize online retailers have used affiliate marketing as a strategy to bridge that gap. However, the cost to use affiliates is becoming expensive. The commissions that retailers have to pay out to affiliates can be between 30-50 percent and sometime as high as 75 percent.

I am not here to criticize affiliates shespeaks but to inform you that there are alternatives that can benefit you as well. Amazon estimates that they have 257 million credit card holders purchasing information on file.

Amazon is one of the most recognizable and popular online retailers. Amazon claim that about 5% of internet users’ worldwide visit Amazon each month. Amazon is rank 5th in the U.S and 14th globally. The average time spent on an Amazon page is eight, half minutes compared to one minute for other retailers, and 61% are from the U.S.

Amazon’s business model is so well constructed that they are a good partner to have if you are a retailer because they have position themselves to help small and midsized online retailers.

Amazon Prime- Amazon Prime is an “incentive based membership” program. The membership consists of loyal customers who have previous purchased whereby their information is the system. The sharing of information between the customer and Amazon allows future purchasing by the customers’ quick and easy. When I have used Amazon, all my previous credit information is stored so all I needed to do is click the button and my transaction was completed within minutes.

There are some advantages to using Amazon as a strategy to sell you products. To partner with Amazon is very easy and Amazon offers several platforms to make that transition simple. As a partner with Amazon, you can feel comfortable with Amazon’s secure order processing and handling all sales issues and fulfilling all orders.

Selling on Amazon takes a simple process of uploading your items into Amazon’s system. Amazon does collect a fee for this service, it can start as low as.99 cent per item sold and does offer an upgrade to a pro merchant account.

The Advantage Program is designed to help online retailers who offer physical content such as books, music label, CD, D.V.D’s,. This paid program offers distribution and order fulfillment. As a content provider, you maybe asked for a percentage of the royalties.

The Web-Store for Amazon is a program for retailers who dream of having their own store online. The tools Amazon has to enhance your Web-Store presence is Amazing if you go online and peruse Amazon page site you can see how many online retailers has benefited from these tools. Do your research when it comes to creating a Web-Store because there is a cost involved.

Create-Space- Create-Space is own by Amazon and it is a print on demand service for books D.V.D’s, CD’s, MP3. Create-Space is unique because there no membership or set-up fees required compared to Selling on Amazon, The Advantage Program and Web-Store where there is a cost and or monthly fee. The Create-Space is very beneficial to the partner because it saves content providers a large upfront merchandise cost and it helps with editing, book design, layout and marketing. Moreover, Create-Space handles fulfillment of orders. Caution; Create-Space will want to negotiate royalties with you. Again, I urge you to do your research.

Kindle Direct Publishing- Kindle Direct Publishing is a publishing site for e-reading substances. The platform allows content makers to upload and format their material to be sold in the Kindle Store.

This leads me into one of my sound strategies that many writers would find interesting. On November 25 or the day after thanksgiving better know as black Friday in The U.S., most people reserve that day to shop for Christmas. Some believe this is when the best deals by retailer are given. Whether you believe that are not, one thing is for certain Amazon’s Fire, (the e-reader) was the hottest selling item on November 25 2011.

I included the success of the e-reader Kindle Fire for one reason. If you are a publisher or writer, it is crucial to add your content on as many electric e-reading platforms possible.

 

 

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Are Amazon and Facebook Your Publishing End All And Be All?

Without a doubt, Amazon is the number one retailer of books, but what about the other retailers who have billions in annual sells? How are your sells going for you on Barnes & Noble and in the iStore? Are your sells so great on Amazon that you don’t care about other online retailers? You don’t care about expanding your audience?

Understanding what Amazon has done above and beyond other retailers to capture the overwhelming share of book sells is important. You have to think the same way about your business. What are you doing above and beyond to  thebusinessdaily capture market share.

eBlast – My experience as a reader and author has shown me that Amazon is the best game in town when it comes to selling and buying books. As a reader, they send me alerts to books I may be interested in that actually interest me, and I can change my preferences at any time. As an author, they give effective free advertising, showcasing my books to people who may actually want to purchase it.

When you are promoting your title, be sure to ask readers to “Like” your product and author pages. In my opinion, this is more important than reviews because the algorithm Amazon uses to send out email blast to readers for books they might be interested in use those “Likes” and the majority of readers I’ve asked say that reviews factor little to not at all if they will be purchasing a book.

KDP Select – In this program, you give Amazon exclusive rights to sell your eBook for three months. You can’t even give your eBook away free. In exchange for exclusivity, Amazon adds your title to their Prime Library and when members check out your title, you are paid a certain amount that is determined quarterly. This program has pros and cons. There are tons of blog post out there revealing authors’ experiences so I won’t debate that here.

If you do the KDP Select program, I highly suggest you do not use it for your new title. Instead, release your title on ALL of the platforms available to you and give ALL of the readers a chance to purchase your book, then once sells slow, do KDP Select.

I do not suggest you permanently keep your titles on KDP Select. Why would you keep all of your eggs in the Amazon basket? That’s not good business. You want to expand your readership to as many platforms as possible.

KindleBoards – Amazon has done an excellent job of creating a Kindle user community of readers and authors. Consider becoming a part of the community, without becoming a walking billboard.
With the ease of selling and buying on Amazon, I understand why many authors don’t sell their titles on other platforms, I just don’t agree with them. Publishing is a business. As a self-published author, you are the CEO, CFO, and every other O of your company, and you have to look at more than short term gains. You have to plan for the long term success and expansion of your company.

A few paragraphs ago, I said you shouldn’t only use the KDP Select program to sell your eTitles. Let’s examine Amazon’s motivation behind the KDP Select program. Amazon works to dry up the self-publishing market from other eBook retailers so Amazon will be the only game in town. Amazon is a business and thus doing what is best for its interest. Is that good for your business as an author? Someone who sells eBooks using Amazon’s distribution? No. Amazon has already started testing out only allowing publishers to receive the 70% royalty if they have their titles in the KDP Select program in certain markets of the world. How much more market share do you think Amazon needs to capture in the U.S. before they start that here? Am I saying you shouldn’t use the KDP Select program or Amazon to distribute your eBooks? Heck no. I’m saying don’t ONLY use Amazon and the KDP Select program. Build your audience on other platforms also.

I can hear it now. I have “tried” to sell on other platforms, but I get nothing! Granted, Amazon sells the most, but from what I’ve seen time and time again from authors is them promoting their Amazon product page instead of maintaining a website (not Facebook wall) and having ALL of their purchase links for various vendors of their titles so readers can easily select their print or eReader preferences in purchasing. I see authors nurturing their relationships with Amazon customers, yet promoting to other retailers as an afterthought. Newsflash, your promos should be about your book, not Amazon. Authors give Amazon way more free advertisement than Amazon is giving them by sending out the occasional eBlast.

So what do you do? Upload your book to as many “legitimate” retailers and possible. If you don’t have a website, get one. You are in BUSINESS and should have a professional website that showcases your work. Create a separate page for each of your titles and ensure you have the purchase links on it. Then when you promote your title, send readers to that page instead of to Amazon.

So now that you’ve decided that it’s best to sell your titles on more than one platform and promote your website for purchasing links instead of sending customers to Amazon, let’s talk social media.

Facebook, like Amazon is by far the fastest way to reach a large audience. Facebook has created communities of authors and readers and has given authors a way to build their own following! Great stuff, huh? I can’t tell you how many authors have put all of their eggs into the Facebook basket when it comes to communicating with their readership. Now they have thousands of “Friends” who follow them. Who hooo!

Except, they seemed to forget that Facebook is a business and of course going to do what will make Facebook the most money. I’m not mad at them. My publishing company is also a business, and I do the same thing.

So let’s get back to your thousands of followers on Facebook. Let’s say you are not one of those authors who “friend” everyone and ask everyone to join your group. You are focused on quality instead of quantity. Quality being people who would actually be interested in purchasing your titles. It may have taken you a year or two to grow thousands of quality followers. Guess what happened a few months ago. Facebook changed their policy so posts from fan pages only show on 10% of your followers’ walls. If you want it to show on more of your followers walls, you have to pay a fee.

Oh, and let’s not forget, everyone is getting more followers (even the average person), yet many people, like me, do not scroll down to the bottom of their newsfeed to see what posts they have missed, so the chances of someone seeing your post have gotten much slimmer.

You’re not worried, because instead of creating a fan page, you have the regular user page that limits you to 5000 friends, but it’s all good. You tell people to “Subscribe” instead of befriend, and since subscribers don’t count, you’ll never reach 5000. You’ll just promote on your wall. HOLD UP! Facebook is starting to warn authors and delete accounts of those who fill up their walls with promos. That’s what fan pages are for.

Now what do you do?

Never, ever, ever have all of your eggs in one basket. Especially a basket someone else owns. Just as I said you should have purchase links on your website, you should also have an opt-in mailing list sign-up on your website. You should be building your opt-in mailing list so that when you need to reach your fan base, you can actually reach them.

Am I saying you should skip Amazon and Facebook or other social media? Of course not. But you need to maintain as much control over your product and contact with your customer base as you can. Now get out there and take over YOUR business.

 

 

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5 Great Reasons To Refinance

Title:
5 Great Reasons To Refinance

Word Count:
474

Summary:
There are many great reasons to refinance. With lower cost, adjustable rate, and 0-down options, traditional loan programs like 30-year or 15-year fixed rate mortgages don’t always allow us to meet our financial goals. Today, even reducing your mortgage interest rate a little can save you big over the life of your home loan. Take a look below at 5 great reasons to refinance.

1. Lower Your Monthly Payment
If you plan to live in your home for a few years, it may make sense …
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Keywords:
reasons to refinance,mortgage refinance,adjustable rate mortgages,fixed rate mortgage,

Article Body:
There are many great reasons to refinance. With lower cost, adjustable rate, and 0-down options, traditional loan programs like 30-year or 15-year fixed rate mortgages don’t always allow us to meet our financial goals. Today, even reducing your mortgage interest rate a little can save you big over the life of your home loan. Take a look below at 5 great reasons to refinance.

1. Lower Your Monthly Payment
If you plan to live in your home for a few years, it may make sense to pay a point or two to decrease your interest rate and overall payment. Over the long run, you will have paid for the cost of the mortgage refinance with the monthly savings. On the other hand, if you plan on moving in the near future, you may not be in your home long enough to recover the refinancing costs. Calculating the break-even point before you decide to refinance can help determine whether it makes sense.

2. Switch From an Adjustable Rate to a Fixed Rate Mortgage
Adjustable rate mortgages (ARMs) can provide lower initial monthly payments for those who are willing to risk upward market adjustments. They’re also ideal if you don’t plan to own your property for more than a few years. However, if you have made your house a permanent home, you may want to swap your adjustable rate for a 15-, 20- or 30-year fixed rate mortgage. Your interest may be higher than with an ARM, but you have the confidence of knowing what your payment will be every month for the rest of your loan term.

3. Escape Balloon Payment Programs
Like adjustable rate mortgage programs, balloon programs are great when you want lower rates and lower initial monthly payments. However, if you still own the property at the end of the fixed rate term (usually 5 or 7 years), the entire balance of your mortgage is due to the lender. If you are in a balloon program, you can easily switch over into a new adjustable rate mortgage or fixed rate mortgage.

4. Remove Private Mortgage Insurance (PMI)
Zero or Low down payment options allow homeowners to purchase homes with less than 20% down. Unfortunately, they also usually require private mortgage insurance, which is designed to protect the lender from loan default. As the value of your home increases and the balance on your home decreases, you may be eligible to remove your PMI with a mortgage refinance loan.

5. Cash In on Your Home’s Equity
Your home is a great resource for extra cash. Like most homes, yours has probably increased in value, and that gives you the ability to take some of that cash and put it to good use. Pay off credit cards, make home improvements, pay tuition, replace your current car, or even take a long-overdue vacation. With a cash-out mortgage refinance transaction, it’s easy. And it’s even tax deductible.

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3 Things To Look For In An Auto Loan Company Online

Title:
3 Things To Look For In An Auto Loan Company Online

Word Count:
349

Summary:
Unless you have a lot of savings in the bank, chances are you’ll need to borrow some money when you buy a new car. Auto loans are available through a variety of sources, such as banks, credit unions and auto dealer financing. You can also find a great car loan through an Auto Loan Company online, as long as you look for these three things:

A reasonable interest rate

Since you’re borrowing from an Auto Loan Company online, your interest rate should be about 1-2% less tha…
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Keywords:
online auto loan

Article Body:
Unless you have a lot of savings in the bank, chances are you’ll need to borrow some money when you buy a new car. Auto loans are available through a variety of sources, such as banks, credit unions and auto dealer financing. You can also find a great car loan through an Auto Loan Company online, as long as you look for these three things:

A reasonable interest rate

Since you’re borrowing from an Auto Loan Company online, your interest rate should be about 1-2% less than what you’d get through dealer financing. Search the Internet to find out what the current average auto loan interest rate is, and then compare it to the rate you’re being offered. Watch out for any loan company that seems to be charging an exorbitant amount of interest, particularly if you have good credit and a reasonable down payment.

Low fees and extra charges

Some Auto Loan lenders will charge all types of extra fees, like application fees, document prep charges or credit score fees. As you compare various lenders, keep an eye out for outrageous or unusual fees. If one online Auto Loan Company is tacking on an extra cost that no other company is charging, you may want to ask to have it waived or choose a different lender.

No prepayment penalties

Whatever your loan term–three, five or seven years–chances are you’ll want to pay off your Auto Loan as soon as possible. Many folks send in a little extra with their monthly payment, or they send in an extra payment whenever possible. If there’s any chance you’ll be doing this, make sure your online Auto Loan Company charges no prepayment penalties. Otherwise, you’ll be paying an extra fee if you pay off your car loan before the loan term is over.

As you compare different Auto Loan Companies online, remember to choose a lender that makes you feel as if your business is their top priority. Find an Auto Loan Company online that’s willing to work directly with you to help you get the best loan for your vehicle.

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“The Best Comes With The Lowest” with cheap secured loans

Title:
“The Best Comes With The Lowest” with cheap secured loans

Word Count:
437

Summary:
Cheap secured loans are provided against any collateral. If you want to go for the loans that will be suitable for your pocket, then cheap personal loans are the best option for you.

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Keywords:
Cheap secured loans, Secured loans, best secured loans UK, cheapest secured loans

Article Body:
Are you searching a loan that would be relatively cheap? If yes, then your search ends here, as cheap secured loans are specially customized for you.

Cheap secured loans are offered against any collateral. It could be real estate, automobiles or some other valuable assets. Generally, with cheap secured loans, the ranges of borrowed amount are from £3,000 to £75,000. But, in case of greater amount, lenders will check the worth of your collateral. If your collateral has higher value then, lenders will not only be willing to offer higher amount but also a lower interest rate. Even cheap secured loans are available for a comfortable duration of up to 25 years and you can pay off the installments either monthly or quarterly.

Cheap secured loans however are offered at better terms and conditions that suit the borrower’s requirement. The interest rate of cheap secured loans varies from individual to individual. For a regular income earner, a lower monthly loan will help in saving a big sum of money. On the other hand, for a person whose monthly income is not stable, a loan with flexible monthly payments such as overpayments, underpayments or payment holiday will be highly suitable.

Nevertheless, cheap secured loans are obtainable against your valuable collateral. And for that, in case you fail to repay that can put your collateral in danger. So, before applying, you will have to calculate the amount you want to borrow as a loan. Needless to say, should borrow the exact amount, as borrowing a larger amount may become a huge financial burden in future.

Now the question is how can you get a cheap secured loan. It is a bit tough as many lenders offer cheap secured loans to lure people. But in reality, these loans are not at all cheap. Don’t worry. With some effort, you will be able to get a cheap secured loan. First of all, list your requirement- decide the amount you want to borrow, how long would you like the repayment period to be, what amount of monthly installment are you comfortable with.

Next step is choosing lenders. Besides traditional lenders, you can opt for online cheap secured loans. Even, finding an online cheap secured loan is easier- Just a click brings all data within a minute. And last but not the list, comparative judgment of various quotes will help you to get the best deal.

“The best comes with the lowest”- this line is truly applicable for cheap secured loans. Like other secured loans, cheap secured loans provide same facilities at cheap rate. It’s a favorable opportunity that will suit your pocket.