Hotel Sales, Room Rate Specials and Big Brand Promotions! #jamaica #travel

#travel bargains
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Hotel Sales, Room Rate Specials and Big Brand Promotions!

TODAY S TOP HOTEL AND TRAVEL PACKAGE DEALS

Save up to 70% on Travel with Wal-Travel.com/ Travel Deals Finder.

Tested Hotel Travel Tips that will Save You Money Over and Over Again!

With over 100+ years of Travel Experience, find out how the travel experts share their most interesting travel tips to help you save time and money.

How to Pay the Lowest Hotel Prices PERIOD:

Paying the proper Hotel Price goes a long way toward making your hotel stay a good experience. Like air plane seats, there are several prices for the same hotel room .

Associations such as AAA and AARP, as BookingWiz have mentioned in the past, can afford some savings, but there are many other ways to save on Hotel Rooms .

Most travelers are unaware of Advanced Purchase Savings. Many of the top Hotel Chains allow individual properties to post advanced purchase rates for rooms. Generally, these hotel rates are not chain wide so you really have to look at all the offerings to find them. The trick is to remember that the key word is PURCHASE. If you are not 100% firm in your plans, these prepaid plans are NOT for you since you pay in full when you book these non-refundable hotel rates.

The next best hotel rates are commonly called Internet Rates. Usually these can be cancelled but pay attention to the cancel by date which may be one or two days prior to arrival as opposed to the cancel by 6 PM day of arrival that you see with most rates.

Compare All Air Ticket Prices with FlightsMobile.com!

Looking for Affordable Hotels in Big Cities Throughout the USA?





05/11/2017

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Electrician Salary Canada #electricians, #canada #jobs,jobs #in #canada, #jobs #canada,canada #wages,work


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Electrician (Except Industrial and Power System) Salary Canada

See table for salaries.

Average Electrician s Salary in Canada

The table below details the hourly wages for Electricians (Except Industrial and Power System).

The Canadian national occupation classification code (NOC) for this role is 7241.

Job titles and exact duties vary in this occupation and examples of some job titles are: electrician, construction electrician, wiring electrician, building electrician and apprentice electrician.

According to the latest figures, the highest hourly average (median) wages are earned in Calgary, Alberta at $38.13 per hour and the lowest average (median) wages are earned in Prince Edward Island at $21.00 per hour.

A typical full-time annual salary for this occupation is in the region of $42,000 $72,000.

Using government labour market indicators, it is expected that the number of job seekers will be sufficient to fill the job openings in this occupation for the near future. Employment prospects are expected to be fair in British Columbia and Ontario.

Average Hourly (Median) Wages for Electricians in Canada

Low Wage
$ per hr

Average Wage
$ per hr

Examples of duties include the following:

Reading and interpreting drawings, circuit diagrams and electrical code specifications

Installing, replacing and repairing lighting fixtures, switches, relays and other and electrical control and distribution equipment

Testing continuity of circuits and carrying out electrical safety checks and maintenance programs

Comparison with employment group

The 2016 full-time average hourly wage rate for industrial, electrical and construction trades, which includes electricians (except industrial and power system), is $28.00. The 2016 corresponding median weekly wage rate is $1,125, giving an approximate full-time annual salary for this employment group of $58,500.

These occupations may also be of interest:


17/10/2017

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How to Remove Gallstones Naturally – Deliciously Organic #taking #heart #rate


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How to Remove Gallstones Naturally

A few years ago when I was struggling with severe symptoms of Hashimoto’s disease I also began having pain in my right flank area. After a few tests, my doctor concluded I had gallstones and advised me to have my gall bladder removed. At that time I was in so much physical pain from the chronic hives (a symptom of Hashimoto’s) that surgery sounded overwhelming, so I decided against it.

I had recently started working with my nutritionist to combat the thyroid disease, and I asked her if she had another solution. She did a gallbladder and liver flush series. She said it would take 48 hours, but my gallbladder should flush itself after following her protocol.

Before I tell you about the protocol and the results, let’s look at what gallstones are: “The gallbladder is a reservoir or holding tank of bile salts, which the body uses to emulsify and assist in the digestion fats. When we eat fat, bile is released into the digestive tract to break fat down into absorbable fatty acids. Bile salts are made of cholesterol. Gallstones are a sign that your body has ‘decided’ to increase its reservoir of cholesterol. Why would it do this? The obvious answer is that it has become ‘afraid’ that the supply of cholesterol is low, therefore it uses the strategy of storing extra for a ‘rainy day’.” Dr. Cowen

It’s important to remember that cholesterol is a very powerful antioxidant for the body. When I was diagnosed with gallstones, I was struggling with severe symptoms of Hashimoto’s disease, so it makes sense that my body needed all the cholesterol it could get to help fight the disease. Additionally, I probably wasn’t getting enough cholesterol in my diet, so my gallbladder decided to pack some away for later.

Back to the protocol Kim sent me a 48-hour cleanse involving eating different foods at different times during the day, drinking Epsom salts dissolved in water, drinking olive oil combined with fresh grapefruit juice and then finishing with colonics or coffee enemas. The worst part was the Epsom salts they are salty yuck! The result? I passed over 40 gallstones in one day! I was shocked. The pain in my right flank disappeared for good. Kim instructed me to repeat the cleanse every 4 weeks until I stopped passing gallstones. I did the protocol 4 more times until everything was clear.

Isn’t it amazing what the body can do with the right resources? For legal reasons, I can’t give you the exact protocol, but if you call or email Biodynamic Wellness and tell them I sent you, they can do a short consult with you and help walk you through the process. If you know someone who is struggling with gallstones, please pass this on to them. A 48-hour cleanse was a much better solution than surgery for me!

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06/10/2017

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Best CD Rates #cd #rates, #best #cd #rates, #certificate #of #deposit,


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Finding the Best CD Rates

By MoneyRates Team

CD rates can vary greatly from bank to bank, even among CDs of the same length. Shopping around for the best CD rates can make the difference between earning some extra money and missing out on an opportunity.

Here s an example: consider two 5-year CDs, each with $50,000 deposited in it. One has an annual percentage yield (APY) of 2.35 percent, while the other has an APY of 1.80 percent. How much of a difference in earnings would that APY difference make over the terms of these CDs?

Here s how much each CD would be worth at the end of five years:

Estimated savings at end of 5 year CD term

* doesn’t include fees

There may be other differences to consider, such as fees or early withdrawal penalties, but just on the basis of their interest rates, finding the higher-yielding CD in this case would be worth nearly $1,500 over five years. Who would want to leave that kind of money on the table?

To help you get more for your money by shopping for better bank rates, MoneyRates has compiled a searchable database of different rates offered by banks around the country. Using the tool below, you can specify the type of account, desired CD length, and amount of deposit. The results will allow you to compare different rates on deposit accounts that meet your specifications.

Here are four other key considerations as you shop for the best CD rates:

1. Higher CD rates vs. risk of early withdrawal fees

Generally speaking, the longer the CD term, the higher the yield. But rates can change. If you lock into a CD and interest rates stay the same or fall during the term, it s no problem. If rates climb in the months or years after, you’ll wonder what your options are for taking advantage of higher rates.

How to minimize impact of withdrawal penalties

If this is a major concern, focus on where the withdrawal penalty is low enough that it might make sense to take the hit and then reinvest at the higher rate. Be sure to crunch the numbers before moving your money.

Here’s an example that might help: You open a 2-year CD with a 2% APY and an early withdrawal penalty of six months in interest. CD interest rates have since climbed to 5% in this scenario.

Why look for higher CD rates

If you break your CD to open a new one with a higher rate, it will cost you half your interest to that point, effectively reducing your APY for the first year to about 1%. But, if you re able to secure that 5 percent interest rate during the second year, your average APY for the two-year term will equal about 3%, or 1% more annually than you would have earned if you stuck with the original CD.

To make this a viable strategy, you should review the potential penalties before you open a new CD. If you find two CDs that are identical in most ways, compare their early withdrawal penalties. The one with the smaller penalty may offer you more flexibility if you need to exit the account sometime during the term.

2. CD interest rates and trends

You don’t have to be an economist to follow interest rate trends, including for short term CD rates . For most savers, paying attention to the news headlines is enough. Decisions that could move short term interest rates are made by the Federal Open Market Committee.

Historically, interest rates have dipped lower, lower and then lower again, affecting deposits of all stripes, including CDs. Here’s a look at the average yield on a 12-month CD since 2009. This makes shopping around critical in maximizing your savings.

3. The power of the CD ladder

If you d like your savings to earn maximum interest while still maintaining some regular liquidity, a CD ladder may be the way to go. This consists of multiple CDs with staggered maturity dates, which allows you regular, penalty-free access to a portion of your savings while still earning higher interest rates overall.

Why invest using a CD ladder

This is a great option if you intend to use or reinvest some portion of your savings on a regular basis, but don t anticipate needing the whole of it at any given time. When done correctly, you can end up with a stable of long-term CDs in which at least one account reaches maturity every few months, offering you the option to access it or simply push it ahead to reach maturity at a chosen point in the future. After seeing your options, narrow down your list for the best long term CD rates .

Length of CD terms

4. Unconventional CDs

While traditional CDs are by far the most popular type, some banks offer their own twist on the usual product. A raise-your-rate CD is a special type of certificate that allows you to bump up your interest rate one or more times during the term (assuming rates have in fact risen), and indexed CDs forgo a fixed interest rate in favor of a variable rate that moves in accordance with a benchmark indicator.

Foreign CD investments

Even more exotic, CDs that are denominated in foreign currencies allow investors to effectively gamble on the relative values of a nation s currency. These vehicles may come with more risk than a typical CD though, as they may allow a loss in principal if the chosen currency loses value over the course of the term.

FDIC insurance coverage and CDs

If safety and stability are paramount to you, a conventional CD may be your best choice so long as you ensure that the bank you choose is insured by the FDIC. FDIC insurance coverage is designed to protect funds up to $250,000 per depositor, per institution in the event of a bank failure, and it has never failed to cover insured deposits since the FDIC s inception in 1933.

FDIC-insured banks must display the FDIC emblem in their branches or, in the case of online-based banks, on their website. Credit unions also have deposit insurance and are considered just as safe as traditional banks.

Advertiser Disclosure: Many of the savings offers appearing on this site are from advertisers from which this website receives compensation for being listed here. This compensation may impact how and where products appear on this site (including, for example, the order in which they appear). These offers do not represent all deposit accounts available.

Certificate of Deposit Accounts


25/09/2017

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How to Transfer a Credit Card Balance – ABC News #credit,


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Yahoo!-ABC News Network | 2017 ABC News Internet Ventures. All rights reserved.

How to Transfer a Credit Card Balance

Here is what you need to know before and after a credit card balance transfer.

Credit card balance transfers can be an invaluable tool for managing credit card debt. This tactic allows cardholders to move their debt from a card with a high interest rate to one with a lower interest rate, or no interest charges at all.

While it’s not inherently complex to transfer a credit card balance, there are still several important things that cardholders need to be aware of before, during, and after.

Before You Transfer a Credit Card Balance

1. Make sure you keep up with all of your payments. This will allow you to maintain excellent credit and find a balance transfer offer with the best possible terms. The right card may be one you already have with a lower interest rate than the one you are using, or it may be a new card with a 0% APR promotional balance transfer offer. In fact, you may be able to get a promotional financing offer from one of your existing accounts, possibly in the form of a convenience check.

2. Understand all of the terms and conditions of the balance transfer. Know what the card’s credit limit is, its interest rate on balance transfers, and what the balance transfer fee will be. Balance transfer fees are typically 3 percent of the amount transferred, but not always. Chase Slate currently has the only 0 percent APR promotional balance transfer offer with no balance transfer fee, although others can have fees as high as 5 percent.

In the case of promotional financing offers, learn how long you have to complete a qualifying transfer, and the length of the promotional financing period. Typically, promotional balance transfer offers must be completed within 30 days to four months of the account opening, and can last from between six and 18 months. Keep in mind that even though the terms might not explicitly say so, banks will not allow balance transfers between their own accounts.

3. Make a plan. Come up with a sound financial plan for paying down your debt. otherwise your balance transfer is just another form of postponing your obligations.

Making the Transfer

Contact the bank that you are transferring the balance to and ask to perform a balance transfer. Be prepared to give the account information for the other card, and the total amount you want transferred.

After the Transfer

Continue to make at least the minimum payment required from the old credit card, and if you have paid your entire debt, make sure to get a statement from your bank. However, keep your old account open in order to maintain a low credit utilization ratio. which will help your credit score.

Most importantly, stick to the plan that you created to reduce your debt. Recognize that it probably will not be possible to take advantage of promotional financing offers over and over again.

By understanding some of the nuances of balance transfers, cardholders can use these offers to save as much money as possible on their credit card interest charges.

This work is the opinion of the columnist and in no way reflects the opinion of ABC News.


23/09/2017

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No Exam Life Insurance #life #insurance #with #no #medical #exam,no #exam


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Life Insurance With No Medical Exam

Normally, if you’re applying for life insurance you are required to submit to a medical examination with regards to issues that may affect your insurance rates. For instance, you may be liable to pay more for life insurance if, during the medical exam, a doctor finds that you have a condition that indicates that you should be in a higher risk category.

Heart problems, high cholesterol or a history of strokes are some examples of issues that might put you in a higher risk category. For many individuals seeking relief from constant worries about their health, no exam life insurance is the perfect choice.

Who else might benefit from a no exam life insurance plan?

  • Those who need immediate coverage
  • Individuals suffering from health conditions, such as cancer
  • Senior citizens

Pre-existing Conditions

Many life insurance companies charge exorbitant fees if you have what they call a pre-existing condition which puts you in a higher risk bracket. Life insurance companies want to make more money off of you than you give them in the long term, so if they expect your death to be a drain on their company’s finances in the near future, they want you to have paid in as much as possible. Life insurance with no medical exams provides the perfect solution for individuals who would have to pay a huge amount of money for a traditional term or permanent life insurance plan. It may even be possible to get whole life insurance without a medical exam .

Of course, you have to compare the monthly rates of each. Generally no exam life insurance is more expensive than the average life insurance plan and it offers the same services. However, it’s more of a one-size-fits-all insurance plan, making it a great choice for people who do have “pre-existing conditions” like a heart condition or who are significantly older. If this describes you, a traditional life insurance plan may ask for higher rates than a no exam insurance plan

Enhanced Privacy With No Medical Exam Life Insurance

Another benefit of purchasing life insurance with no medical exam is that you can keep your medical information private. Many of us feel a little bit leery that our private information is being viewed by some insurance executive or technician in a suit with nothing but dollars on the brain.

We’d like to know that information about our bodies is kept between ourselves and trusted physicians and doctors. Additionally, no exam life insurance is great for people who don’t enjoy doctors’ offices, needles or exams. They’re simpler, they are processed much more quickly, and they leave your family with more money to help with funeral expenses.

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LifeInsuranceRates.com is not a covered entity for the purposes of the Health Insurance Portability and Accountability Act of 1996 (“HIPPA”). In turn, the additional privacy and security protections provided to individuals under HIPPA do not apply. There are certain state laws which may offer additional rights with regard to disclosure of information. If you are covered under these laws, you may have additional rights and some or all of the above disclaimers, exclusions and restrictions may not apply to you. LifeInsuranceRates.com is an insurance provider referral service and not a life insurance broker or provider. Not all insurers can or will offer you a quote. Rates and fees will vary between insurers and may be dependent on the state in which you live so be sure to compare the associated costs. You may receive a call from a LifeInsuranceRates.com affiliate to determine which policy will offer you the best coverage. None of the companies and/or brands referenced on this website either sponsor, endorse or are in any way affiliated with our company.


23/09/2017

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Rate and Term Refinance #mortgage #refinance,rate #and #term #refinance,,no #cash #out


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Rate and Term Refinance

In the mortgage realm, a refinance refers to the replacement of an existing mortgage(s) with a new home loan. The refinance loan will come with a new interest rate (ideally lower) and mortgage term. The existing mortgage is effectively paid off by the opening of the new refinance loan, with the old balance being transferred to the new loan.

Think of it this way – you are re-financing your mortgage, meaning you are obtaining new financing for an existing loan. The issuer of the new mortgage pays off the old loan with the proceeds from the new loan.

When you obtain new financing, you can either go back to your original mortgage lender or shop around with other banks and lenders. Either way, when you refinance you are seeking out new financing terms for one reason or another.

What type of refinance are you looking for?

The simplest type of mortgage refinance is called a rate and term refinance because the borrower is simply changing the interest rate and term of the loan, and perhaps the loan program, but not the loan amount. It may also be known as a no cash out refinance for this reason.

Typically, a borrower will consider a rate and term refinance if their current mortgage is an adjustable-rate mortgage and the fixed period is due to expire. Or if mortgage rates have dropped significantly since they originally took out their loan.

An example would be a 3-year ARM. The first three years are fixed, and then the mortgage becomes adjustable, based on the margin and index tied to the loan. At or before this first adjustment, borrowers will often look to refinance to avoid the impact of the fully indexed rate, assuming it s higher than the initial rate.

Look at this example of a rate and term refinance in action:

Loan type: 3-year ARM
Loan amount: $500,000
Start rate: 5.875%
Margin: 2.25
Index: 5.439%
Fully indexed rate: 7.69%

Most short-term ARMs are hybrids with 30-year terms. In the above scenario, the first three years are fixed and the remaining 27 years are adjustable. This may be represented as a 3/1 ARM. After three years, the interest rate adjusts to the sum of the margin and index, and can adjust annually both up or down.

Your Mortgage Rate May Rise If You Don t Refinance

If the borrower doesn t refinance after three years, their interest rate will jump from 5.875% to 7.69%, using our example from above. There are initial rate caps that may limit the amount the interest rate can actually rise (or fall), but it usually won t be sufficient to keep the mortgage rate in check.

So most borrowers will likely look to refinance their existing loan with a new loan with a longer fixed period and a lower interest rate. Or simply refinance into another ARM with an initial teaser rate .

Homeowners have the choice of refinancing their existing loan with their current mortgage lender or shopping rates and loan programs with a new bank, lender, or broker .

It is always recommended that you shop around when looking to refinance, as rates, closing costs, underwriting requirements. and loan programs can and will vary greatly from lender to lender.

Consider Closing Costs Associated with a Refinance

Although there will be closing costs associated with the new refinance mortgage, the lower interest rate should eventually offset these costs and benefit the borrower in the long run. This is known as the break-even point of the refinance – essentially when the closing costs are offset by lower monthly mortgage payments. so subsequent payments save the homeowner money each month.

Think of it this way. If the homeowner stays in their adjustable-rate mortgage at 7.689%, they will pay $3561.01 a month in principal and interest payments. If they choose to refinance into a lower fixed-rate mortgage. say 6.5%, they ll pay $3160.34 a month in principal and interest payments. That s a savings of $400.67 a month.

Sure, there may be closing costs associated with a refinance, but the monthly savings will cover those costs over time. Additionally, you might even be able to execute a no cost refinance whereby you pay no closing costs in exchange for a slightly higher-than-market rate, but still receive a rate well below your existing one.

These monthly savings are exactly why a homeowner would opt to carry out a rate and term refinance. Of course, if they only stayed in the home/mortgage for a year or two, perhaps they wouldn t recoup the costs associated with the refinance. In that case, it would be a poor decision to refinance. So always do the math and look ahead before agreeing to carry out a refinance.

Why Homeowners Refinance Their Mortgages

  • To obtain a lower mortgage rate
  • To swap an ARM for a fixed mortgage
  • To reduce monthly mortgage payments
  • To tap their home equity for cash
  • To consolidate combo mortgages
  • To consolidate other debt
  • To pay off high-interest rate credit cards and other loans
  • To remove someone from a loan (ex-spouse)
  • To remove mortgage insurance
  • To switch loan programs, such as FHA to conventional

Tip: Most mortgage lenders will let a borrower take out incidental cash-out (home equity ) of the lesser of 2% of the loan amount or $2,000 $5,000, and still consider it a rate and term refinance. Anything beyond that would probably be considered a cash-out refinance. which is the other popular type of mortgage refinance available.

Great article. One question. I m looking to pick up investment properties (most likely 5 unit+). I m using private money to finance the deal (investor receives a promissory note) and want to pay back my investors via a refinance + equity position and % of cashflow. The route that makes the most sense to me is to get a cash-out refinance and use that 75% LTV to pay back the investors all or most of their investment. This would be done through increasing the value of the property through rehabs, raising rents, etc
The hurdle I see is that getting a commercial cash-out refinance can take as long as 2 years for seasoning for 20+ unit buildings.
At the beginning of the article you mentioned The existing mortgage is effectively paid off by the opening of the new refinance loan, with the old balance being transferred to the new loan. So my question is could I get a term and rate refinance in order to achieve the same results? In essence, would bank 2 pay back Bank 1 (private lender) their loan balance? It sounds doable as none of the funds would be going to owner but to the original lender. The seasoning requirement for a term and rate refinance is much shorter and the numbers are better than most cash out refinances so if that works it seems like a great option to me. Just wanted to clarify.


03/09/2017

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Car Hire Perth Australia #lowest #rate #car #insurance


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Car Hire Perth

Welcome to Aries Car Rental Perth — the trusted name for affordable car hire Perth wide. We’re conveniently located in the Perth CBD and have offices in the best possible locations to offer you the most convenient experience available. Our newest site in Kewdale is only 5 to 10 minutes away from the Perth International or Domestic airport. Because of this we can provide highly efficient Perth airport car hire. We will arrive at your destination faster than you can get your luggage from the baggage claim!

We have a large selection of new models, so you have an extensive list of options for your unique requirements. All you have to do is take a look at our comprehensive directory that lists all the pertinent information on each and every vehicle, and choose the one that best fits your needs.

We’re a class above other car hire companies due to our ability to cater to the varying needs of customers from all walks of life. Whether you’re a student driver. a father looking for a family car with large seating capacity. a businessman in search of corporate rental cars. or an overseas visitor in need of a reliable ride during your stay in Perth, Western Australia, we are the company you can trust.

Car Hire Perth Australia

What distinguishes us from our competitors are the perks you can enjoy when dealing with us. As a premier company specialising in rent a car in Perth, we provide free CBD parking in our yard and airport shuttle services for your convenience. Explore the rest of our website to get more information and details on each of these services, and see if anyone else can even match the convenience that we offer.

Our pricing is reasonable and unbeatable. Each of our cars for hire in Perth are available at competitive rates. We never run out of specials to make your money go a long way. Also visit our Kewdale airport branch to make enquiries and reservations.

Premium Car Rental Perth WA

Aries Car Rental offers great value-for-money car rental Perth wide! Our wide range of vehicles includes small and medium sized cars to sports utility vehicles. We also offer 7 and 8 seater car hire for when you need to squeeze the whole family in!

All of our vehicles are purchased new and are replaced within 2 to 3 years. This ensures you will always be provided with a new or near new vehicle when you hire cars from us.


30/08/2017

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Floating Interest Rate #what #is #a #floating #rate


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Floating Interest Rate

What is a ‘Floating Interest Rate’

A floating interest rate is an interest rate that moves up and down with the rest of the market or along with an index. It can also be referred to as a variable interest rate because it can vary over the duration of the debt obligation. This contrasts with a fixed interest rate. in which the interest rate of a debt obligation stays constant for the duration of the loan’s term.

BREAKING DOWN ‘Floating Interest Rate’

For example, residential mortgages can be obtained with fixed interest rates, which are static and cannot change for the duration of the mortgage agreement, or with a floating or adjustable interest rate, which changes periodically with the market. For example, if someone takes out a fixed rate mortgage with a 4% interest rate, he pays that rate for the lifetime of the loan, and his payments are the same throughout the loan’s term. In contrast, if a borrower takes out a mortgage with a variable rate, it may start with a 4% rate and then adjust, either up or down, thus changing the monthly payments.

How Floating Interest Rates Adjust

In most cases, adjustable-rate mortgages (ARMs) have rates that adjust based on a preset margin and a major mortgage index such as Libor, the cost of funds index (COFI) or the monthly treasure average (MTA). For example, if someone takes out an ARM with a 2% margin based on Libor, and Libor is at 3% when the mortgage’s rate adjusts, the rate resets at 5% (the margin plus the index).

Credit Cards With Floating Interest Rates

Mortgages are not the only type of loans that can have floating interest rates. Most credit cards also have floating interest rates. As with mortgages, these rates are tied to an index, and in most cases, the index is the current prime rate, the rate that directly reflects the interest rate set by the Federal Reserve several times per year. Most credit card agreements state that the interest rate charged to the borrower is the prime rate plus a certain spread .

Advantages and Disadvantages of Floating Rates

With mortgages, adjustable-rate mortgages tend to have lower introductory interest rates than fixed rate mortgages, and that can make them more appealing to some borrowers, especially to borrowers who plan to sell the property and repay the loan before the rate adjusts or borrowers who expect their equity to increase quickly as home values increase. The other advantage is that floating interest rates may float down, thus lowering the borrower’s monthly payments. The key disadvantage, however, is that the rate may float upward and increase the borrower’s monthly payments.


17/08/2017

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Exchange rate insurance – Exchange rates – Risk coverage – Business


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Exchange rate insurance

An exchange insurance is a commitment by means of which the client and the Bank are mutually obliged to exchange an amount of foreign currency at a fixed price at a future date.

1. Importer

If your company is an importer in USD, you will have to buy a determined amount of USD at a future date, benefiting from high contribution levels of the EUR/USD.

An exchange insurance will guarantee you a fixed purchase price. regardless of the evolution of the contribution of the EURUSD. The fixed exchange rate can be higher (foreign currency with premium) or lower (foreign currency with discount) than that of the day of the contract.

With the exchange insurance, on maturity, you will buy the nominal established at the fixed rate.

The exchange insurance does not allow you to profit from the possible favoorable fluctuations of the foreign currency.

  • Despite the obligation of carrying out the operation, the settlement can take place before its maturity. total or partial, with the maintenance of the prearranged change, except for the refund of the premium or discount corresponding to the notice period.
  • Can lead to a new maturity with the final effect of maintenance of the prearranged change initially updated with the premium, or the discount corresponding to the period redressed.
  • You can take out a contract in real time and with constantly up-to-date prices by means of our service BS Online Companies

2. Exporter

If your company is an exporter in USD, you will have to sell a determined amount of USD at a future date, benefiting from low contribution levels of the EURUSD.

An exchange insurance will guarantee you a fixed sale price. regardless of the evolution of the contribution of the EURUSD. The fixed exchange rate can be higher (foreign currency with premium) or lower (foreign currency with discount) than that of the day of the contract.

With the exchange insurance, on maturity, you will sell the nominal established at the fixed rate.

The exchange insurance does not allow you to profit from the possible favourable fluctuations of the foreign currency.

  • Despite the obligation of carrying out the operation, the settlement can take place before its maturity. total or partial, with the maintenance of the prearranged change, except for the refund of the premium or discount corresponding to the notice period.
  • Can lead to a new maturity with the final effect of maintenance of the prearranged change initially updated with the premium, or the discount corresponding to the period redressed.
  • Can take out a contract in real time and with constantly up-to-date prices by means of our service BS Online Companies

3. Variants

Cash option

Firm compromise whereby your company and the Bank are mutually obliged to respect an agreed exchange rate for the purchase or sale of one foreign currency against another (in general euros) within a period between two dates established beforehand. The fixed exchange rate can be higher (foreign currency with premium) or lower (foreign currency with discount) than that of the day of contract.

During each period you will be been able to carry out several provisions, without exceeding the maximum monthly limit.

The cash optiondoes not allow you to profit from the possible favourable fluctuations of the foreign currency.

Forward periodic

Foreign exchange risk coverage instrument both for export and import, similar to the exchange insurance, in which a fixed price is established for a maximum period of one year. with a monthly arrangement calendar.

The monthly periods will be consecutive and will begin on the established date. During every period you will be able to make several provisions, without exceeding the maximum monthly limit.

The forward periodic acts as a succession of cash options monthly, but with one price for all. It allows closing the price of a whole campamarketing campaign at an attractive change in comparison with other cover instruments.


15/08/2017

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No Exam Life Insurance #life #insurance #with #no #medical #exam,no #exam


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Life Insurance With No Medical Exam

Normally, if you’re applying for life insurance you are required to submit to a medical examination with regards to issues that may affect your insurance rates. For instance, you may be liable to pay more for life insurance if, during the medical exam, a doctor finds that you have a condition that indicates that you should be in a higher risk category.

Heart problems, high cholesterol or a history of strokes are some examples of issues that might put you in a higher risk category. For many individuals seeking relief from constant worries about their health, no exam life insurance is the perfect choice.

Who else might benefit from a no exam life insurance plan?

  • Those who need immediate coverage
  • Individuals suffering from health conditions, such as cancer
  • Senior citizens

Pre-existing Conditions

Many life insurance companies charge exorbitant fees if you have what they call a pre-existing condition which puts you in a higher risk bracket. Life insurance companies want to make more money off of you than you give them in the long term, so if they expect your death to be a drain on their company’s finances in the near future, they want you to have paid in as much as possible. Life insurance with no medical exams provides the perfect solution for individuals who would have to pay a huge amount of money for a traditional term or permanent life insurance plan. It may even be possible to get whole life insurance without a medical exam .

Of course, you have to compare the monthly rates of each. Generally no exam life insurance is more expensive than the average life insurance plan and it offers the same services. However, it’s more of a one-size-fits-all insurance plan, making it a great choice for people who do have “pre-existing conditions” like a heart condition or who are significantly older. If this describes you, a traditional life insurance plan may ask for higher rates than a no exam insurance plan

Enhanced Privacy With No Medical Exam Life Insurance

Another benefit of purchasing life insurance with no medical exam is that you can keep your medical information private. Many of us feel a little bit leery that our private information is being viewed by some insurance executive or technician in a suit with nothing but dollars on the brain.

We’d like to know that information about our bodies is kept between ourselves and trusted physicians and doctors. Additionally, no exam life insurance is great for people who don’t enjoy doctors’ offices, needles or exams. They’re simpler, they are processed much more quickly, and they leave your family with more money to help with funeral expenses.

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09/08/2017

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Apply Now #mortgage #rates, #quicken #loans, #current #mortgage #rates, #today ##039;s


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Quicken Loans Is Here to Get You an Affordable Mortgage with Amazing Client Service.

*Product available on Fixed Rate Conventional Products only. No FHA, VA or Jumbo Products. No State Restrictions.

By submitting your contact information you agree to our Terms of Use and our Security and Privacy Policy. You also expressly consent to having Quicken Loans, our Family of Companies. and potentially our mortgage partners contact you about your inquiry by text message or phone (including automatic telephone dialing system or an artificial or prerecorded voice) to the residential or cellular telephone number you have provided, even if that telephone number is on a corporate, state, or national Do Not Call Registry. You do not have to agree to receive such calls or messages as a condition of getting any services from Quicken Loans or its affiliates. By communicating with us by phone, you consent to calls being recorded and monitored.

To be eligible for HARP, your original note must be dated on or before 5/31/2009, and your mortgage must be securitized by Fannie Mae or Freddie Mac with a loan-to-value (LTV) equal to less than 200% of the current market value of your home. You must be current on existing mortgage payments and make sufficient income to support the new mortgage payments. Quicken Loans must be participating with your Mortgage Insurance provider in order for you to qualify. The interest on the portion of the credit extension that is greater than the fair market value of the dwelling is not tax deductible for federal income tax purposes. A tax adviser should be consulted for further information regarding the deductibility of interest and charges.

Based on a Quicken Loans market research questionnaire of clients whose loans closed between 7/1/2016 and 12/31/2016.

Quicken Loans received the highest numerical score in the proprietary J.D. Power 2010 – 2016 Primary Mortgage Origination studies and the 2014 – 2016 Primary Mortgage Servicer studies. 2016 Origination (or Sales) based on 5,182 total responses and measures experiences and perceptions of consumers who originated a new mortgage, surveyed in July – August 2016. 2016 Servicing based on 7,542 total responses and measures experiences and perceptions of consumers with their current mortgage servicer, surveyed in March – April 2016. Your experiences may vary. Visit jdpower.com .

NMLS #3030. Go here for the Quicken Loans NMLS access page.

Quicken Loans, 1050 Woodward Avenue, Detroit, MI 48226-1906.
©2000 – 2017 Quicken Loans Inc. All rights reserved. Lending services provided by Quicken Loans Inc. a subsidiary of Rock Holdings Inc. “Quicken Loans” is a registered service mark of Intuit Inc. used under license.


06/08/2017

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30-Year Jumbo Home Loans, ARM Loan Rate Deals #jumbo #home #loans,


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Best 30-year jumbo home loans charge just 3.25%

In our roundup of July’s lowest rates on 30-year jumbo home loans, you’ll find several banks offering cut-rate deals on home loans in areas throughout the country.

All of the banks on our list are charging borrowers 3.25% or 3.375%, with no points.

That means you can find a deal that’s nearly half of a percentage point below the national average rate for jumbo loans — 3.64%, according to our latest survey of major lenders.

Here are some of the best rates on 30-year jumbo home loans that banks are offering:

Banks: Top jumbo home loan rates

Alabama, District of Columbia, Florida, Indiana, Kentucky, Maryland, New Jersey, North Carolina, Ohio, Pennsylvania, South Carolina, Tennessee, Texas, Virginia, Washington State, West Virginia

Connecticut, Delaware, District of Columbia, Florida, Maine, Maryland, Massachusetts, New Hampshire, New Jersey, New York, North Carolina, Pennsylvania, Rhode Island, South Carolina, Virginia, Vermont

Credit Unions: Top jumbo loan rates

While banks large and small are offering great rates on jumbo mortgages, it’s worth checking at credit unions as well.

One of the best deals on 30-year jumbo home loans from a credit union is from Teachers Federal Credit Union which is offering jumbo loans at 3.25% with $2,086 in fees.

Based in Farmingville, New York, and unrated by the Better Business Bureau, membership is open to borrowers who live, work (or regularly conduct business), worship or attend school in Nassau County, New York, and some parts of Suffolk County, New York. You can apply in person or online.

What are jumbo home loans?

Jumbo loans are mortgages that are too large to be purchased by Fannie Mae and Freddie Mac, the two government-owned companies that buy most of the mortgages issued by banks and other lenders.

The largest loans they can buy depend on where the home is located but range from $417,000 in most places to $625,500 in the nation’s most expensive cities. If you need to borrow more than that, then you’ll need a jumbo loan.

Finding the best mortgage rates

Even if you don’t live in the areas served by these lenders, their low rates and fees provide a great blueprint to follow. Find a deal like these in your neck of the woods, and you’ll know you’ve found a great one.

Get started by searching Bankrate’s database for the best mortgage rates from scores of other lenders in your area.

What you’ll pay

For a jumbo loan with a rate of 3.250%, the lowest rate listed above, the principal and interest payment would be just $435 a month for every $100,000 borrowed, or $3,482 on a $800,000 loan.

With a rate of 3.375%, which is what most of the lenders shown here are charging, your principal and interest payment would be $442 a month for every $100,000 borrowed, or $3,537 on a $800,000 loan.

You can use our mortgage calculator to determine the monthly payment for the exact amount you want to borrow with this or any home loan.

Although mortgage rates have defied all predictions and jumbo loan rates are the lowest we’ve seen this year thanks to the Federal Reserve continuing to keep interest rates low and Great Britain’s decision to exit the European Union, it’s a pretty safe bet that rates will move higher in the next few years.

And don’t forget to factor insurance, property taxes and association fees into the payment, which can really bump up your monthly housing cost.

Qualifications

Borrowing requirements vary by lender, but to qualify for these low rates, you’ll typically need to:

  • Borrow more than $417,000 in most areas, or more than $625,500 in high-cost areas.
  • Have a credit score of 740 or better.
  • Be buying a home or refinancing no more than the outstanding balance of your current home loan.
  • Make a down payment of at least 20% if you’re buying.
  • Hold 20% or more of the equity in your home if you’re refinancing.

In addition, some lenders may require you to maintain an escrow account for property taxes and homeowners insurance to get the best interest rate.

Keep in mind that you don’t want to drain your savings and take on mortgage payments that you’ll struggle to afford every month. Here’s how to figure out how much house you can afford .

What are some of the best jumbo home loans that you’ve found?

Glossary More Terms

06/08/2017

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Europe Travel Deals: With Euro Weakening, Americans Can Travel For Cheap

#euro travel
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Europe Travel Deals: With Euro Weakening, Americans Can Travel For Cheap As Dollar Exchange Rate Drops

The dropping euro and a more valuable dollar mean that Americans can get more euros to spend on what’s most important: European beer. Reuters/Ints Kalnins

Seeing the Mona Lisa is a better deal now than it has been years. Americans and other foreigners can expect to land cheap trips to continental Europe over the next few months after the euro hit its lowest since March 2006 on Monday. That means Americans could get hundreds of more euros for their dollars than they did just a year ago, according to travel professionals.

“The euro is down about 10 percent to 15 percent from where it was most of 2014, so it’s an instant discount for those of us with U.S. dollars,” said Roger Wade, founder of Price of Travel. “Many analysts are expecting the euro to continue going lower, at least in the short term, and if Greece effectively votes itself out of the euro soon, it could drop even further.”

The euro-to-dollar exchange rate dipped 1.2 percent just on Monday. At its lowest, one euro was worth about $1.1864, but recovered slightly to $1.1944. The euro’s drop is a product of — among other factors — political instability in Greece, an increasingly strong American economy and the likelihood that the European Central Bank will take quantitative easing measures to boost the European economy, according to NPR .

The drop in the euro over the last year has already translated into real discounts for Americans converting their dollars, according to James Feess at the Savvy Backpacker, a site dedicated to budget travel in Europe. “An average hostel in Paris will cost about $38 night at the moment, but a few years ago it would cost about $48. That extra $10 can now be used for museum entry or a walking tour. Since most young people travel for a few weeks, that extra $10 per night really adds up,” Feess said.

The euro has generally been valued a good deal higher than the dollar  since it was introduced in 1999. For much of its existence, the euro was valued between $1.30 and a high just over $1.47. When the euro was worth around $1.37 at the beginning of 2014, $1,000 would convert over to €730, whereas now it would convert to €840. BNP Paribas, a big French bank, predicts  the euro will drop to $1.15 by the end of 2015.

A high exchange rate likely turned many young would-be-backpackers away from studying abroad or going on a cross-European trip in recent years, Feess said. But with more money in their pockets, travelers could now see more of Europe, including typically more pricey cities like Rome. Currencies outside of the euro zone have suffered, too, so travelers could get good deals across Europe, including in non-euro Britain, Norway and Sweden.

“Transportation adds up. A one-way Eurostar journey currently costs about $82-$105 but a few years ago that same ticket was around $105-$133. When you add up all these little costs it ends up being a large chunk of money for a multi-week trip,” he said, referring to the London-to-Paris train route under the English Channel.

The euro hovered near all-time lows as fireworks lit the sky over the Arc de Triomphe on the Champs Elysees in Paris on New Year’s Eve. Reuters/Christian Hartmann

Airfares aren’t expected to drop significantly, however, even though the price of oil fell by more than half over the last six months to just over $50 per barrel. Plane tickets are more dependent on supply and demand than on exchange rates. Many airlines are taking the opportunity to reinvest the billions of dollars saved on fuel to upgrade their services, according to the New York Times .

Dejan Bajic with Danny Travel, an agency that specializes in setting up trips for Europeans living in the U.S. who travel back to their home countries, said his business hasn’t been affected much by the currency rates, but he predicted an increase in interest in Europe among Americans seeking to travel cheaper.

“Anything you spend there, anything connected to euros like hotels, cars, trains, they will all be cheaper,” he said.





04/08/2017

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Calculate Target Heart Rate During Exercise Calculator #exercise #target #heart #rate


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Target Heart Rate 1: General Health – A great deal of research indicates that being active at 50 to 60 percent of your maximum heart rate, consistently and for a total of 30 minutes on most days, reduces the risk of developing many chronic diseases. Low intensity activities like walking, gardening, household chores or easy cycling will achieve this. If someone does not need to lose body fat and they are not training for a sporting event, this may be all they need to do to stay healthy.

Target Heart Rate 2: Weight management – If your goal is to reduce body fat and you have been relatively inactive, you will need to train at a level of 60 to 70 percent of your maximum heart rate. This is still within your comfort zone and allows you to exercise at a steady pace for a long enough time to burn off a substantial number of calories.

Target Heart Rate 3: Aerobic Conditioning/Weight Management – If your goal is to improve your cardio-vascular conditioning for better stamina and endurance, you should train within a zone of 70-80 percent of your maximum heart rate. This is also a good zone for fat burning if you are already fairly fit. This heart rate zone represents a more vigorous level of activity.

Target Heart Rate 4: Advanced Conditioning – If you are in top shape and training for a sporting event like a 10km race, a triathlon or tennis, you might need to include some workouts that are 80 percent and above your maximum heart rate. This level of training is both physically and mentally demanding so it is not something you would do on a daily basis. And it is not for everyone. Only the real fit should consider working in the range. This zone is also a fat burning zone if you are extremely fit.

Remember that ideally, your exercise program will include workouts in each of these ranges – short and hard to long and easy.

HR = Heart Rate
Max HR = Maximum Heart Rate
HRmax = Maximum Heart Rate
HRrest = Resting Heart Rate
THR = Target Heart Rate
bpm = beats per minute

Target Heart Rate (THR)

Normally during exercise, the heart rate varies depending on the intensity. These changes can easily be measured using a radiotelemetry and continuous electocardiogram (ECG) recording. The target heartrate (THR) is the desired range of heart beats per minute that usually elicits the most benefit from working out. It is also known as the training heart rate. Recommendations for this range are dependent on age, gender, physical condition and one’s previous training.

THR, recording can be stored into the memory of a microcomputer with a transmitter and receiver, which is easily portable and can be worn on the wrist.

Why it is important to know one’s target heart rate.

Target heart rate is used as a tool for exercise prescription. Results from the recordings are important in planning optimal training. This is especially important in athletes and is applicable for anyone else interested in exercise.

Monitoring intensity is also done to avoid over-training and to accurately set max limits; for example, high speed cycling does not accurately indicate the intensity of exercise, hence the monitoring of THR by the prescribed methods.

Medical professional also use heart rate measurements to help diagnose and track medical conditions.

What are the methods for measuring target heart rate?

Two methods are used to calculate the THR. The first method shows the percentage of the maximum heart rate calculated from zero to peak. Method number two represents the heart rate at a specified percentage of maximum MET (VO2max).

The Karvonen method was devised by a Scandinavian physiologist and is considered to be the “gold standard”. This method factors the resting heart rate (heart rate reserve) into the equation. Calculations are then made using the difference between a subject’s maximum heart rate and the resting heart rate.

THR = ((HRmax − HRrest) × % intensity) + HRrest

Example for someone with a HRmax of 180 and a HRrest of 70:

50% intensity: ((180 − 70) × 0.50) + 70 = 125 bpm
85% intensity: ((180 − 70) × 0.85) + 70 = 163 bpm

The Zoladz method determines exercise zones by subtracting values from HRmax

THR = HRmax – Adjuster ± 5 bpm

Zone 1: Long Slow Run. Adjuster = 50 bpm
Zone 2: Easy Run. Adjuster = 40 bpm
Zone 3: Tempo Run. Adjuster = 30 bpm
Zone 4: Intervals/ Speed Work. Adjuster = 20 bpm
Zone 5: Going All The Way. Adjuster = 10 bpm

Example for someone with a HRmax of 180:

Zone 1 (easy exercise). 180 − 50 ± 5 → 125 – 135 bpm
Zone 4 (tough exercise): 180 − 20 ± 5 → 155 – 165 bpm

Heart Rate Reserve

The heart rate reserve is the difference between one’s HRmax and the HRrest. If we take a typical example of someone who’s HRmax is 180, and the HRrest is 100, then heart rate reserve is calculated as:

HRmax – HRrest = HR reserve
180 – 100 = 80 bpm

The difference references the range of potential training heart rate intensities. This means if one has a large difference, then he/she has a great range of potential training heart rate intensities.


26/07/2017

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Auto and Home Insurance Quotes #cheap #auto #and #home #insurance, #auto


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Auto and Home Insurance Quotes

Insurance is very useful in today’s fast paced competitive world, where you might be prepared for emergency situations and feels secure. Your investments are protected and you will never worry about anything bad happening to your car or home as it is insured and you are not going to get it fixed. If you are worried about paying a high monthly premium, then that is not the case as you can always get a very good policy for a very reasonable monthly premium as package of home and auto insurances are not that expensive and it is just a myth.

Auto Insurance

Click at “Get a Free Quote” above to get low cost rates.

Home Insurance

Click at “Get a Free Quote” above to get the cheapest rates.

Why Go for an Insurance Policy?

Having your home and automobile insured will make you feel hassle free and stress-free as it will cut off the stress of the maintenance of these both. As you know that the vehicle and your house are insured and will get fixed according to the policy then there is no need to feel stressed about the good maintenance of your assets. These benefits must be enough to convince you to buy the best possible policy that is affordable for you. However, this is where the actual issue occurs, as it is difficult to find a deal of affordable insurance policy. You have to go through different websites and different offices and then call them to know if they actually exist or are simple scams.

How Can You Save Up to $ 500?

Here is the best tip for you just visit this amazing page, and save up to $500 on your policy. This is very simple as you just have to make few clicks and get the best quotes by which you can easily save money in a matter of minutes. It offers quotes for both home and car insurance where you simply have to enter your area’s zip code and it will give you a quote that can help save you a lot of your money. Now you never have to worry about finding the best policy for your car or home as it has eased out the whole process.

Firstly, combined policy helps you to overcome the stress related to the maintenance of your house while on the other hand by getting free quotes you will be able to feel free from the fuss of looking for the cheapest deals on policies offered in your area. Giving your zip code and clicking “get free quote” will open up an additional form where you have to write important information about your car or home whichever you are looking for. This will give you an access to locally registered companies like Esurance offering comparison of auto or home insurance policies .

By assessing and comparing the prices, you can find the most reasonable one and help yourself save a really good amount of money without any kind of hassle. If you are interested in deal on combined home and auto insurance policies. then you will get quotes for them as well. it is a very good idea to opt for such a policy as it decreases the cost of premium defense payments for your house while providing extra benefits like additional defense for your automobile even inside your premises.

Get lower quotes through comparison tool, enter 5 digits zip code. Then flll in some data about your house, auto or yourself in case of life or health protection. It needs to calculate how much premiums should be paid. Then you will get quotes in minutes.

Dana Silston

Operation Officer


26/07/2017

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Implementing an EMR System: One Clinic s Experience – Family Practice


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Implementing an EMR System: One Clinic s Experience

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Implementing an EMR system in a clinical practice is a daunting task. It requires good planning, strong physician leadership and supportive staff. The most immediate benefits of our EMR system have been accurate medication lists, legible notes and prescriptions, immediately available charts, decreased chart pulls and lower transcription costs. We are still just beginning to scratch the surface of what s possible, but we would never go back to paper again.

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Dr. Smith is an associate professor in the Department of Family Medicine at the University of Wisconsin-Madison in Madison, Wisc. and a family physician at the Belleville Family Medical Clinic .

Conflicts of interest: none reported .

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23/07/2017

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VA Loan Rates: Current VA Mortgage Rates Updated Daily #va #loan


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Current VA Loan Rates

Last updated Monday, June 5th, 2017, at 11:15 AM CST

VA 30 Year Fixed: 3.75%*

VA 15 Year Fixed: 3.50%*

These VA Mortgage rates are based on an informal survey of our participating VA lenders for the date published. Please read below for more important information about current VA mortgage rates. To get pre-qualified for a VA Home Loan and lock in your VA interest rate. please call or fill out the simple form to the right and a specialist with a participating VA approved lender will assist you. *APR will vary by lender based on lender s specific closing costs

As a VA Mortgage resource website, we know one of the most commonly searched for items is “what is the VA interest rate.” So why is it so hard to get a straight answer about current VA interest rates. We’re here to give you some answers, and to give you some current VA mortgage rates from actual VA lenders (above).

VA Mortgage Rates

VA interest rates are not set by the Department of Veterans Affairs (the VA) but by each VA approved lender individually. There are numerous factors that impact what your specific VA Home Loan interest rate will be, so it’s almost impossible to get an accurate rate from a website advertisement or online quote. Also, VA Mortgage rates are like most interest rates and they fluctuate with the financial markets. So until you are locked in the interest rates can change with the financial markets on short notice, sometimes the same day.

Finally, you need to be aware of what rate they are actually quoting you. Are you receiving a rate for VA ARM (adjustable rate mortgage) or a 30 year fixed rate? Are you getting a quote for a VA loan at all, or are they quoting you a higher cost loan program that appears to have a lower rate. It’s to your benefit to work with a VA Specialist at a participating VA lender. Someone who knows the VA guidelines and can quote you a real rate based on your individual profile and make sure you are getting the best deal in utilizing your VA benefits.

To speak with a VA Specialist, please call or fill out the simple form to the right and a VA Specialist with a participating VA lender will assist you.

Get VA Loan Help

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08/07/2017

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Second to Die Life Insurance Rates #survivorship #life #insurance, #second #to


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Survivorship Life Insurance

Survivorship life insurance, synonymous with second to die life insurance and dual life insurance, is a type of coverage that insures two people, typically a husband and wife, with a single policy. Unlike other policies, survivorship insurance policies do not pay benefits until the death of the last surviving policyholder. A survivorship life policy is available in two forms: survivorship whole life insurance and survivorship variable universal life insurance (SVUL). Common purposes of second to die insurance include protecting a business or heirs, leaving a legacy, and estate planning. Read on to learn how a second to die policy works and understand its advantages and disadvantages.

Functions of Survivorship Insurance

Aside from estate planning concerns, the main reason why couples purchase second to die insurance is because it is cheaper than taking out two separate policies. A survivorship life policy also can serve valuable estate-planning functions, including insulating heirs from the possibly heavy burden of estate taxes. The most common functions of survivorship life insurance include:

  • Eliminating or minimizing the burden of estate taxes on the insured’s heirs
  • Protecting children or a business
  • Providing an inheritance
  • Establish a legacy, such as a gift to a charity or other non-profit organization

Advantages of Second to Die Insurance

In addition to providing the traditional death benefit of any life insurance policy, a second to die policy offers the following advantages:

  • Cost-effective. A dual life insurance policy is a more economical way to insure a couple than purchasing two separate life insurance policies. Second to die life insurance is cheaper than two independent policies because the insurer only has to pay one benefit following the death of the last living policyholder.
  • Relaxed underwriting requirements. Qualifying for the best survivorship life insurance premiums is far easier than doing so with traditional term life insurance or whole life insurance. Because both policyholders have to die before the death benefit is paid, the insurer is not as concerned with the possibility that one of the policyholders may not be in the best of health. In fact, some insurers will even write survivorship insurance policies if one of the policyholders would otherwise be considered “uninsurable” by the standards of other policies.
  • Estate protection. A second to die policy is ideal for people who would like to insulate their wealth from estate taxes so their heirs will not have to shoulder the potentially crushing burden. With a survivorship policy, your estate will pass on to your heirs intact, as a portion of the life insurance benefit will either pay for or drastically reduce the attendant estate taxes.
  • Lifetime protection. The typical second to die life insurance policy will preserve coverage for the entire lives of both policyholders, even significantly after age 100 in many cases.
  • Simplicity. The purchase of second to die insurance allows you to insure the lives of two people without having to plan for or worry about who will die first. Additionally, a survivorship life policy creates an irrevocable life insurance trust, with your heirs serving as the beneficiaries. In so doing, the proceeds of the policy are excluded from your estate to minimize the taxes incurred.

Disadvantages of a Survivorship Life Policy

As with all life insurance policies, second to die policies do have a few drawbacks, including:

  • Potential complications in the event of a divorce. Your policy may not be dissolvable or may become more expensive in the event you and your spouse divorce.
  • Changes in estate-tax law. If avoiding estate taxes are one of the most appealing benefits of survivorship life insurance to you, research how the policy would be impacted by changes in estate-tax laws. You may have to consult with a lawyer who specializes in estate planning to discuss these stipulations.
  • No benefit is paid upon the death of the first policyholder. The policy will not help pay for the death or related financial consequences of the first insured person, only the second.
  • Dual life insurance is primarily intended to help couples maintain and preserve a legacy. Second to die life insurance does not provide benefits in the way most policies do, and is thus best used for estate-planning purposes.

07/07/2017

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COPD – Exercise Heart Rate #exercise #target #heart #rate


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COPD & Exercise Heart Rate

by ERIKA HENRITZ Last Updated: Sep 08, 2015

Based in Olathe, Kan. Erika Henritz began her writing/editing career in 1994. She specializes in health publications and has worked for ATI, where she served as editor for several nursing textbooks, including the company’s R.N. and P.N. “Mental Health” and “Fundamentals of Nursing” reviews. Erika holds a Bachelor of Science in education and foreign language from the University of Kansas.

Stethoscope and EKG Photo Credit Photopa1/iStock/Getty Images

If you have chronic obstructive pulmonary disease, or COPD, doing daily activities such can be difficult. The disease's effect on your ability to exercise can be profound enough to make you consider giving up on working out altogether. However, understanding COPD and why it can make physical activity difficult, as well as learning some tools to help monitor your condition during exercise, can help you to meet your fitness goals.

About COPD

COPD refers to a host of lung diseases that block airflow and it is the No. 1 cause of illness and deaths in the world, according to the Centers for Disease Control and Prevention. The primary cause of the disease is smoking. However, you can also develop it through secondhand exposure to tobacco smoke and overexposure to other irritants, such as air pollution.

Symptoms

Once damage to your lungs occurs, there is no way to reverse it. Symptoms of COPD do not generally become apparent until serious lung damage occurs. The primary symptom of COPD is difficulty breathing. If you experience a chronic cough or you are contracting respiratory infections often, these are also symptoms of COPD.

The disease process of COPD causes difficulty with the passage of air into and out of your lungs. Your heart and lungs are constantly working harder — even when you are at rest — to maintain oxygen levels in your blood. As it applies to exercise, one serious symptom of COPD is a consistently rapid heart rate. Physical activity can cause your heart rate to raise to a level exceeding its capacity to work well.

Target Heart Rate

COPD causes your heart to work harder to deliver oxygen-rich blood throughout your body, which means your heart beats faster. Aerobic exercise also causes your heart to beat faster to replenish oxygen used during your workout. Maximum heart rate is a term used by medical and exercise experts to describe the hardest your heart can work while still being able to carry out its important responsibilities. It is a prediction of your heart's capacity. Avoid exceeding your maximum heart rate under any circumstances.

Heart rate is defined as the number of times your heart beats in a minute. The National Institutes of Health indicate that one way to determine your maximum heart rate is to take the number 220 and subtract your age in years. For example, if you are 65 years old, your theoretical maximum heart rate is 220 – 65, or 155, with some margin of error. Using this number, you can determine a target heart rate range for your age, which is generally 50 percent to 85 percent of your maximum heart rate. If you are a healthy 65 years old, an appropriate target heart rate zone for you during exercise is 78 to 132. Track your heart rate during exercise with a heart rate monitor — heart rate monitors are available a sporting goods stores and online.

If you have COPD, you'll reach your target heart rate range quickly. The likelihood of exceeding that rate and approaching your maximum heart rate is much higher for you than for someone who is healthy. It is for this reason that your doctor will likely modify the guidelines for maximum and target heart rates for you as you begin your exercise program.

Approaching Exercise Cautiously

An exercise program that concentrates on cardiovascular exercise will be most beneficial in terms of managing your COPD. With consistent, cautious exercise, your heart and lungs will become stronger, and your body will begin to use the oxygen you do take in more efficiently. Your heart will not have to work as hard to fulfill its duties as it strengthens and both your resting and exercise heart rates will begin to decline. Stretching exercises and light weight-training exercise are also beneficial.

Avoid heavy weightlifting and isometric exercises as these can contribute to a more rapid heart rate than steady aerobic exercise. Avoid training on an incline if you use a treadmill. If you are walking outside, avoid hilly terrain. There is no reason to overdo it, especially if you have COPD. Avoid exercising if you are fatigued or if you are even mildly ill. If while monitoring your heart rate, you notice it getting too high, slow down your workout until your heart rate is within an appropriate range.

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14/06/2017

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Europe Travel Deals: With Euro Weakening, Americans Can Travel For Cheap

#euro travel
#

Europe Travel Deals: With Euro Weakening, Americans Can Travel For Cheap As Dollar Exchange Rate Drops

The dropping euro and a more valuable dollar mean that Americans can get more euros to spend on what’s most important: European beer. Reuters/Ints Kalnins

Seeing the Mona Lisa is a better deal now than it has been years. Americans and other foreigners can expect to land cheap trips to continental Europe over the next few months after the euro hit its lowest since March 2006 on Monday. That means Americans could get hundreds of more euros for their dollars than they did just a year ago, according to travel professionals.

“The euro is down about 10 percent to 15 percent from where it was most of 2014, so it’s an instant discount for those of us with U.S. dollars,” said Roger Wade, founder of Price of Travel. “Many analysts are expecting the euro to continue going lower, at least in the short term, and if Greece effectively votes itself out of the euro soon, it could drop even further.”

The euro-to-dollar exchange rate dipped 1.2 percent just on Monday. At its lowest, one euro was worth about $1.1864, but recovered slightly to $1.1944. The euro’s drop is a product of — among other factors — political instability in Greece, an increasingly strong American economy and the likelihood that the European Central Bank will take quantitative easing measures to boost the European economy, according to NPR .

The drop in the euro over the last year has already translated into real discounts for Americans converting their dollars, according to James Feess at the Savvy Backpacker, a site dedicated to budget travel in Europe. “An average hostel in Paris will cost about $38 night at the moment, but a few years ago it would cost about $48. That extra $10 can now be used for museum entry or a walking tour. Since most young people travel for a few weeks, that extra $10 per night really adds up,” Feess said.

The euro has generally been valued a good deal higher than the dollar  since it was introduced in 1999. For much of its existence, the euro was valued between $1.30 and a high just over $1.47. When the euro was worth around $1.37 at the beginning of 2014, $1,000 would convert over to €730, whereas now it would convert to €840. BNP Paribas, a big French bank, predicts  the euro will drop to $1.15 by the end of 2015.

A high exchange rate likely turned many young would-be-backpackers away from studying abroad or going on a cross-European trip in recent years, Feess said. But with more money in their pockets, travelers could now see more of Europe, including typically more pricey cities like Rome. Currencies outside of the euro zone have suffered, too, so travelers could get good deals across Europe, including in non-euro Britain, Norway and Sweden.

“Transportation adds up. A one-way Eurostar journey currently costs about $82-$105 but a few years ago that same ticket was around $105-$133. When you add up all these little costs it ends up being a large chunk of money for a multi-week trip,” he said, referring to the London-to-Paris train route under the English Channel.

The euro hovered near all-time lows as fireworks lit the sky over the Arc de Triomphe on the Champs Elysees in Paris on New Year’s Eve. Reuters/Christian Hartmann

Airfares aren’t expected to drop significantly, however, even though the price of oil fell by more than half over the last six months to just over $50 per barrel. Plane tickets are more dependent on supply and demand than on exchange rates. Many airlines are taking the opportunity to reinvest the billions of dollars saved on fuel to upgrade their services, according to the New York Times .

Dejan Bajic with Danny Travel, an agency that specializes in setting up trips for Europeans living in the U.S. who travel back to their home countries, said his business hasn’t been affected much by the currency rates, but he predicted an increase in interest in Europe among Americans seeking to travel cheaper.

“Anything you spend there, anything connected to euros like hotels, cars, trains, they will all be cheaper,” he said.





13/06/2017

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Europe Travel Deals: With Euro Weakening, Americans Can Travel For Cheap

#euro travel
#

Europe Travel Deals: With Euro Weakening, Americans Can Travel For Cheap As Dollar Exchange Rate Drops

The dropping euro and a more valuable dollar mean that Americans can get more euros to spend on what’s most important: European beer. Reuters/Ints Kalnins

Seeing the Mona Lisa is a better deal now than it has been years. Americans and other foreigners can expect to land cheap trips to continental Europe over the next few months after the euro hit its lowest since March 2006 on Monday. That means Americans could get hundreds of more euros for their dollars than they did just a year ago, according to travel professionals.

“The euro is down about 10 percent to 15 percent from where it was most of 2014, so it’s an instant discount for those of us with U.S. dollars,” said Roger Wade, founder of Price of Travel. “Many analysts are expecting the euro to continue going lower, at least in the short term, and if Greece effectively votes itself out of the euro soon, it could drop even further.”

The euro-to-dollar exchange rate dipped 1.2 percent just on Monday. At its lowest, one euro was worth about $1.1864, but recovered slightly to $1.1944. The euro’s drop is a product of — among other factors — political instability in Greece, an increasingly strong American economy and the likelihood that the European Central Bank will take quantitative easing measures to boost the European economy, according to NPR .

The drop in the euro over the last year has already translated into real discounts for Americans converting their dollars, according to James Feess at the Savvy Backpacker, a site dedicated to budget travel in Europe. “An average hostel in Paris will cost about $38 night at the moment, but a few years ago it would cost about $48. That extra $10 can now be used for museum entry or a walking tour. Since most young people travel for a few weeks, that extra $10 per night really adds up,” Feess said.

The euro has generally been valued a good deal higher than the dollar  since it was introduced in 1999. For much of its existence, the euro was valued between $1.30 and a high just over $1.47. When the euro was worth around $1.37 at the beginning of 2014, $1,000 would convert over to €730, whereas now it would convert to €840. BNP Paribas, a big French bank, predicts  the euro will drop to $1.15 by the end of 2015.

A high exchange rate likely turned many young would-be-backpackers away from studying abroad or going on a cross-European trip in recent years, Feess said. But with more money in their pockets, travelers could now see more of Europe, including typically more pricey cities like Rome. Currencies outside of the euro zone have suffered, too, so travelers could get good deals across Europe, including in non-euro Britain, Norway and Sweden.

“Transportation adds up. A one-way Eurostar journey currently costs about $82-$105 but a few years ago that same ticket was around $105-$133. When you add up all these little costs it ends up being a large chunk of money for a multi-week trip,” he said, referring to the London-to-Paris train route under the English Channel.

The euro hovered near all-time lows as fireworks lit the sky over the Arc de Triomphe on the Champs Elysees in Paris on New Year’s Eve. Reuters/Christian Hartmann

Airfares aren’t expected to drop significantly, however, even though the price of oil fell by more than half over the last six months to just over $50 per barrel. Plane tickets are more dependent on supply and demand than on exchange rates. Many airlines are taking the opportunity to reinvest the billions of dollars saved on fuel to upgrade their services, according to the New York Times .

Dejan Bajic with Danny Travel, an agency that specializes in setting up trips for Europeans living in the U.S. who travel back to their home countries, said his business hasn’t been affected much by the currency rates, but he predicted an increase in interest in Europe among Americans seeking to travel cheaper.

“Anything you spend there, anything connected to euros like hotels, cars, trains, they will all be cheaper,” he said.





03/05/2017

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Hotel Sales, Room Rate Specials and Big Brand Promotions! #cheap #tickets

#travel bargains
#

Hotel Sales, Room Rate Specials and Big Brand Promotions!

TODAY S TOP HOTEL AND TRAVEL PACKAGE DEALS

Save up to 70% on Travel with Wal-Travel.com/ Travel Deals Finder.

Tested Hotel Travel Tips that will Save You Money Over and Over Again!

With over 100+ years of Travel Experience, find out how the travel experts share their most interesting travel tips to help you save time and money.

How to Pay the Lowest Hotel Prices PERIOD:

Paying the proper Hotel Price goes a long way toward making your hotel stay a good experience. Like air plane seats, there are several prices for the same hotel room .

Associations such as AAA and AARP, as BookingWiz have mentioned in the past, can afford some savings, but there are many other ways to save on Hotel Rooms .

Most travelers are unaware of Advanced Purchase Savings. Many of the top Hotel Chains allow individual properties to post advanced purchase rates for rooms. Generally, these hotel rates are not chain wide so you really have to look at all the offerings to find them. The trick is to remember that the key word is PURCHASE. If you are not 100% firm in your plans, these prepaid plans are NOT for you since you pay in full when you book these non-refundable hotel rates.

The next best hotel rates are commonly called Internet Rates. Usually these can be cancelled but pay attention to the cancel by date which may be one or two days prior to arrival as opposed to the cancel by 6 PM day of arrival that you see with most rates.

Compare All Air Ticket Prices with FlightsMobile.com!

Looking for Affordable Hotels in Big Cities Throughout the USA?





28/03/2017

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