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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>gjnhbumms.info</title> <atom:link href="http://gjnhbumms.info/feed" rel="self" type="application/rss+xml" /> <link>https://gjnhbumms.info</link> <description>Just another WordPress site</description> <lastBuildDate>Wed, 13 Mar 2024 22:27:43 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Online Pay Advances – An Introduction</title> <link>https://gjnhbumms.info/46</link> <comments>https://gjnhbumms.info/46#comments</comments> <pubDate>Tue, 18 Jul 2023 07:33:38 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Online payday loan]]></category> <guid isPermaLink="false">http://gjnhbumms.info/?p=46</guid> <description><![CDATA[Unforeseen and important expenses can be a problem to anyone, and they do not come with a prior warning. They just need to be dealt with. You can easily deal with them if you are financially sound, but what if you are not? Now here is when online pay advances help you. A payday loan [...]]]></description> <content:encoded><![CDATA[<p> Unforeseen and important expenses can be a problem to anyone, and they do not come with a prior warning. They just need to be dealt with. You can easily deal with them if you are financially sound, but what if you are not? Now here is when online pay advances help you. A payday loan also known as a paycheck advance is a short term loan meant to cover a borrower’s expenses until he gets his next paycheck or salary. The laws concerning online pay advances can be different for every country.Online pay advances are a great help for a short duration of time. However, you must be sure about every detail about payday loans before opting for it, in order to avoid any kind of difficulty in the future. There are two broad categories in which payday loans can be classified, retail lending loans and internet lending loans.Let us discuss the two types of online pay advances in detail. Retail lending loans are the formal kind of payday loans, meaning it is the conventional way of applying for a loan. The person willing to take the loan needs to go the lending office, file an application regarding the loan and submit his required documents. On the approval of the application, the concerned authorities conduct an assessment test on the borrower, and if he passes the loan is approved. In this conventional way the borrower has to submit a post dated cheque which draws the loan amount from the borrower’s account automatically.The second type of online pay advances, which is far more easy and convenient than the retail lending loans is the internet lending loans. It is a fast and modern way of lending money to the borrower. The borrower does not have to go anywhere to get the loan; instead the whole procedure is carried out online. Every step, be it submission of the loan application, or the submission of the required documents by the borrower, everything is done via internet. Once the application is passed by the authorities the loan amount is directly transferred to the borrower’s bank account.Today online pay advances are available in many types apart from the two types discussed above. The various types are Instant payday advances, Bad credit payday advances, Military payday advances and Paperless advances. Let us throw some light at the many types of payday loans.Starting with Instant payday advances, these kind of payday loans are quite popular these days because the get sanctioned very quickly and the borrower is provided with the cash immediately. The borrower just needs to submit his employment and income proof on the internet to avail this type of credit service. Generally they are given for a short span of time. The second type is the Bad credit payday advances, this type of credit service provide loan to the borrower without checking his credit ratings, the borrower just needs to show his income proof to get this kind of payday loan.The Military payday advances is the type reserved for the military people. The loan amount that is provided to the borrower depends on his rank of personnel in the military. Paperless payday advances do not require any documents by the borrower, as they are offered to the borrower over the phone or via internet. There are several other types of payday loans also, like one hour, twenty- four hour, and thirty-day loans.It is very essential for the borrower to remember the repayment date of the loan. If the borrower is unable to pay the loan amount back on the assigned date, there are several other ways available to him to pay back the loan, but he will not be glad to avail those, as they will only add to his liabilities. The three main countries that online pay advances to its citizens are USA, Canada and Australia. The rules and regulation regarding the payday loans are different in every country.Payday loans are a good option for anyone in need of instant financial help. They have overturned the lives of people completely. The person who is opting for this kind of loan should be well aware of the details regarding payday loans, so that he avails all the benefits without any future problems. <br/><a style="display:none;" target="_blank" href="http://jasabacklinkpro.info">jasabacklinkpro.info</a><a style="display:none;" target="_blank" href="http://jasabacklinks.info">jasabacklinks.info</a><a style="display:none;" target="_blank" href="http://kalipakem.com">kalipakem.com</a></p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://gjnhbumms.info/46/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Get Fast Loans Without Credit Checks Anywhere, Anytime – Online Auto Loans With No Credit Check</title> <link>https://gjnhbumms.info/44</link> <comments>https://gjnhbumms.info/44#comments</comments> <pubDate>Tue, 28 Mar 2023 15:50:39 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Online Auto Loans]]></category> <guid isPermaLink="false">http://gjnhbumms.info/?p=44</guid> <description><![CDATA[Today, there are two major problems that stop you from borrowing any type of loan. First, your Credit record, which is below average and serves as a parameter for lenders to check whether offering you any loan is risky or risk free. The moment they see that your score is below average, they immediately refuse [...]]]></description> <content:encoded><![CDATA[<p> Today, there are two major problems that stop you from borrowing any type of loan. First, your Credit record, which is below average and serves as a parameter for lenders to check whether offering you any loan is risky or risk free. The moment they see that your score is below average, they immediately refuse to pay any loan to you. Second major problem is time constraint; You are working so you have to reach your office on time in the morning and in the evening when you leave your office, by the time lenders’ offices also gets closed. So, forget application processing, you are not able to even check their requirements of offering loan.Considering these two major problems, lenders now offer a new finance scheme called Online Auto Loans No Credit Check. As the name of this loan suggests lenders will not check your credit record. Lenders will decide your eligibility on the basis of your current profile. Also, to borrow you don’t need to take off from your office to visit lenders office. Lenders have offered the facility of online application processing, so you can save your time and money. You can apply for this loan online anytime of the day and night and from anywhere. It doesn’t matter whether you are in your office or at home. The only thing that matters is that you take out 2 minutes from your busy schedules, fill up and submit your online application by giving all details. Within no time, a customer service representative will call you to know your actual requirements and within few hours after approval you will have the money in your bank account.Online Auto Loans No Credit Check is available as secured loan, which means the car that you would purchase with this loan amount shall be offered as collateral i.e. security against the loan provided. In case of secured loans, since the lenders have comparatively low risk, they charge lower rate of interest. However, if you are unable to pay their loan, they will have complete right over the car you offered as collateral and they will have the power to sell the car to recover their loss.The loan amount for Online Auto Loans No Credit Check these loans depends on the price of the car. Usually in case of new car, lenders offered loan amount upto 80% of the price of the car. However, this is not fixed and depends upon borrowers profile also. It also depends upon the borrowers repaying ability and choice of the car.The rate of interest of secured option varies from 6% to 11%. If you make a bigger down payment, lenders also offer a certain discount on the rate of interest due to their reduced risk.Duration of payment depends upon various factors such as loan amount, your monthly income and expenses, the amount you can pay comfortably every month etc.It is suggested that since now Online Auto Loans No Credit Check is offered online, you can very easily compare and research the terms and conditions of different lenders online and accordingly shortlist the best option. </p>]]></content:encoded> <wfw:commentRss>https://gjnhbumms.info/44/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Choosing the Right Auto Loan Online</title> <link>https://gjnhbumms.info/42</link> <comments>https://gjnhbumms.info/42#comments</comments> <pubDate>Tue, 28 Mar 2023 13:40:21 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Auto Loans]]></category> <guid isPermaLink="false">http://gjnhbumms.info/?p=42</guid> <description><![CDATA[Buying a new car or a used car need not give you headaches anymore. Getting auto loans has become easy; you can now choose from online auto loan lending networks or get an auto loan from your car dealer. And there are many auto loan options available to choose from.The competition to provide auto loans [...]]]></description> <content:encoded><![CDATA[<p> Buying a new car or a used car need not give you headaches anymore. Getting auto loans has become easy; you can now choose from online auto loan lending networks or get an auto loan from your car dealer. And there are many auto loan options available to choose from.The competition to provide auto loans has boiled down to better, and faster, deals for car loan borrowers. So if you apply for an auto loan today you can probably drive home in your dream machine by the evening!Choosing the correct auto loan requires some homework on your part – you should be willing to do some research. Not that it is difficult; you can easily do it on the Internet.First and foremost, you need to evaluate your credit status. You need to ascertain how much of a car loan you can afford. This is important before deciding on to the car to buy. Auto loans require monthly payments, so it should be an amount that fits into your monthly budget. Many auto loan sites have auto loan calculators which can give an idea as to how much your auto loan is going to cost you each month. Once you have worked this out, you can get ready to apply for your auto loan.Again, the Internet is a great help here. There are thousands of auto loan sites where you can apply for an auto loan online. Completing those forms is usually a breeze: just fill in a few fields and click on the ‘Submit’ button!Generally the online lenders offer interest rates 1-2 per cent lower than that offered by the auto dealers. That money saved can be used to bear the other costs associated with buying your car.Online auto loan forms ask for your basic banking details, your job status, and residence proof. Online applications are processed immediately by lenders in the network near to your place of residence. Approvals usually take less than an hour, and more important, on most sites this is a free service. Better still, an approval does not put any obligations on you about taking a loan from that lender.If you have a clean credit status and a co-signer, then consider your loan semi-approved! The good thing about auto loans is that you can get one even if you have a less than perfect credit history. Most auto loan lenders offer bad credit auto loans. However, some lenders may charge you higher interest rates and a larger down payment because of your bad credit status. Some lenders also restrict the choice of cars models if you have a bad credit status.Once the loan is approved, you will get loan offers from the lenders and you can choose the loan that you want.The main criteria for choosing an auto loan should be the rate of interest and the loan period. The loan period for an auto loan is usually three to five years. You can ask for a longer period on your auto loan, say, seven years. But it is always better to repay the loan within a shorter period; that will put a lower interest burden on you. You must also find out from the lender if they allow faster repayment of auto loans without penalty charges. If they do, you can opt to repay the loans faster a few months later (depending on your income) and save on the loan charges.Auto loans are available for new and used cars. Usually, the loan charges on used car loans are higher than that for new car loans. Research the various auto loan options available and always read the fine print of the loan agreement before you decide on your auto loan. </p>]]></content:encoded> <wfw:commentRss>https://gjnhbumms.info/42/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Auto Loan Refinance – Is Refinancing The Right Option For You?</title> <link>https://gjnhbumms.info/40</link> <comments>https://gjnhbumms.info/40#comments</comments> <pubDate>Tue, 21 Mar 2023 17:03:39 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://gjnhbumms.info/?p=40</guid> <description><![CDATA[There are many reasons why consumers choose to go through the auto loan refinance process, but many often fail to fully understand the process of refinancing a vehicle and pursue it just because they want to get a lower monthly payment.It may be the case that current tough economic times have got you in a [...]]]></description> <content:encoded><![CDATA[<p> There are many reasons why consumers choose to go through the auto loan refinance process, but many often fail to fully understand the process of refinancing a vehicle and pursue it just because they want to get a lower monthly payment.It may be the case that current tough economic times have got you in a tough spot leaving you unable to afford your current payment, or you simply want to lower your monthly payment so you have more money to spend on other bills or monthly expenses. Then an auto loan refinance can help you achieve a lower monthly payment.Current interest rates are at all new low levels due to the swing in recent market conditions, so now may be the perfect opportunity for you if you are considering an auto loan refinance.Auto Loan Refinance DefinedAn auto refinance loan is a loan that aims to pay off an existing loan more effectively by providing a lower interest rate, reducing the monthly loan premium that the borrower is responsible for, and reducing the overall costs that the borrower ends up paying above and beyond the initial value of the loan.Borrowers can refinance their vehicles by going through their current lender for the new loan, or they can research other lenders to see who has the best terms based on current market conditions.Should You Refinance Your Auto?Before you jump into the process of refinancing your vehicle, it might be a good idea to assess your particular situation in order to identify whether or not refinancing is the right decision for you. The decision you make will depend on what your goals are from a borrowing standpoint.You should consider refinancing if:You would like to get a lower interest rate in order to reduce overall interest costs on your loan. As mentioned before, interest rates are at all new lows. This means that a new loan with the same terms will cost less when all is said and done because of the lower interest rates. If your current loan has a 6% interest rate, and you now qualify for a 3% loan with the same terms, you will save dramatically on interest costs when your loan is finally paid off if you refinance instead of sticking with your current loan.You might also consider an auto loan refinance if you want to reduce your monthly payment. Your monthly payment can be reduced if you are able to get a new loan with a lower interest rate, you extend the payoff period of the loan, or you get a lower interest rate and extend the period of the loan. Keep in mind that simply extending the period of the loan with all other factors remaining the same may increase your total interest cost in the long run.How To Refinance Your CarThere are a number of options that you can choose from in order to refinance your current auto loan. The first and perhaps the simplest option would be to contact your current lender to see if they can offer you a better rate on your current loan or if they can simply extend the payoff period of your loan. Going through your current lender would save costs associated with lien transfer fees and would save you the hassle of having to find a new lender.If you’d rather not stick with your current lender, then you can shop around to find another lender who is willing to offer you the best rates and terms on your new loan. The quickest and easiest way to find a qualified lender with better loan rates is by searching on the internet. There are numerous online lender comparison tools designed to get you in front of multiple lenders in order to compare the different rates and terms that they have available.Once you locate your lender of choice, then all you have to do is apply for the refinance loan with them. They will normally check your credit score and if you are approved for the auto loan refinance, your new lender will pay off your current loan and your title will be transferred to them.Calculating The Cost Of Auto Loan RefinanceThe quickest and easiest way of determining how much it will cost to refinance your current auto loan is to use a refinance auto loan calculator. You simply input the total amount of the loan, the interest rate, the number of months it will take to pay off the loan, and any down payment that you will be making. The end result is the total cost of the new loan that you will be taking on based on the new refinance auto loan rates. You can use the loan calculator to perform the same calculation for your current loan in order to determine whether or not refinancing is more cost effective.Advantages and Disadvantages Of Refinancing Your VehicleThere are many advantages and disadvantages of refinancing a vehicle. In order to make the decision on whether or not refinancing makes sense for you, you have to consider the advantages and disadvantages and whether or not they apply in your particular situation.AdvantagesLower Interest Rate – One of the biggest benefits of refinancing that consumers aim to take advantage of during certain economic conditions is lower interest rates. Lower interest rates on loans help save the borrower money in the long run. This is due to the fact that lower interest rates result in lower overall interest costs on the loan.Reduce Monthly Payment – Another important advantage of the auto loan refinance is that it can help you reduce your monthly payment. Borrowers can reduce their monthly payment either by extending the term of the loan or by getting a lower interest rate.Stress Relief – Often times borrowers enjoy lower stress levels when they are able to refinance and get a lower monthly payment. If you have seen a drop in income, have more bills to pay, or simply need more money for other expenses each month, refinancing can help give you the financial relief that you need.DisadvantagesThe auto loan refinance can also have disadvantages that you might want to consider before going through the process.Increase Interest Cost – If you refinance simply to extend the term of your loan and get a lower monthly payment, the auto loan refinance will most likely end up costing more in the long run due to higher interest costs. This would be true if you refinanced with a loan that has the same interest rate and a longer payoff period. </p>]]></content:encoded> <wfw:commentRss>https://gjnhbumms.info/40/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Rebuilding the Tower of Babel – A CEO’s Perspective on Health Information Exchanges</title> <link>https://gjnhbumms.info/38</link> <comments>https://gjnhbumms.info/38#comments</comments> <pubDate>Tue, 21 Mar 2023 16:18:08 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://gjnhbumms.info/?p=38</guid> <description><![CDATA[Defining a Health Information ExchangeThe United States is facing the largest shortage of healthcare practitioners in our country’s history which is compounded by an ever increasing geriatric population. In 2005 there existed one geriatrician for every 5,000 US residents over 65 and only nine of the 145 medical schools trained geriatricians. By 2020 the industry [...]]]></description> <content:encoded><![CDATA[<p> Defining a Health Information ExchangeThe United States is facing the largest shortage of healthcare practitioners in our country’s history which is compounded by an ever increasing geriatric population. In 2005 there existed one geriatrician for every 5,000 US residents over 65 and only nine of the 145 medical schools trained geriatricians. By 2020 the industry is estimated to be short 200,000 physicians and over a million nurses. Never, in the history of US healthcare, has so much been demanded with so few personnel. Because of this shortage combined with the geriatric population increase, the medical community has to find a way to provide timely, accurate information to those who need it in a uniform fashion. Imagine if flight controllers spoke the native language of their country instead of the current international flight language, English. This example captures the urgency and critical nature of our need for standardized communication in healthcare. A healthy information exchange can help improve safety, reduce length of hospital stays, cut down on medication errors, reduce redundancies in lab testing or procedures and make the health system faster, leaner and more productive. The aging US population along with those impacted by chronic disease like diabetes, cardiovascular disease and asthma will need to see more specialists who will have to find a way to communicate with primary care providers effectively and efficiently.This efficiency can only be attained by standardizing the manner in which the communication takes place. Healthbridge, a Cincinnati based HIE and one of the largest community based networks, was able to reduce their potential disease outbreaks from 5 to 8 days down to 48 hours with a regional health information exchange. Regarding standardization, one author noted, “Interoperability without standards is like language without grammar. In both cases communication can be achieved but the process is cumbersome and often ineffective.”United States retailers transitioned over twenty years ago in order to automate inventory, sales, accounting controls which all improve efficiency and effectiveness. While uncomfortable to think of patients as inventory, perhaps this has been part of the reason for the lack of transition in the primary care setting to automation of patient records and data. Imagine a Mom & Pop hardware store on any square in mid America packed with inventory on shelves, ordering duplicate widgets based on lack of information regarding current inventory. Visualize any Home Depot or Lowes and you get a glimpse of how automation has changed the retail sector in terms of scalability and efficiency. Perhaps the “art of medicine” is a barrier to more productive, efficient and smarter medicine. Standards in information exchange have existed since 1989, but recent interfaces have evolved more rapidly thanks to increases in standardization of regional and state health information exchanges.History of Health Information ExchangesMajor urban centers in Canada and Australia were the first to successfully implement HIE’s. The success of these early networks was linked to an integration with primary care EHR systems already in place. Health Level 7 (HL7) represents the first health language standardization system in the United States, beginning with a meeting at the University of Pennsylvania in 1987. HL7 has been successful in replacing antiquated interactions like faxing, mail and direct provider communication, which often represent duplication and inefficiency. Process interoperability increases human understanding across networks health systems to integrate and communicate. Standardization will ultimately impact how effective that communication functions in the same way that grammar standards foster better communication. The United States National Health Information Network (NHIN) sets the standards that foster this delivery of communication between health networks. HL7 is now on it’s third version which was published in 2004. The goals of HL7 are to increase interoperability, develop coherent standards, educate the industry on standardization and collaborate with other sanctioning bodies like ANSI and ISO who are also concerned with process improvement.In the United States one of the earliest HIE’s started in Portland Maine. HealthInfoNet is a public-private partnership and is believed to be the largest statewide HIE. The goals of the network are to improve patient safety, enhance the quality of clinical care, increase efficiency, reduce service duplication, identify public threats more quickly and expand patient record access. The four founding groups the Maine Health Access Foundation, Maine CDC, The Maine Quality Forum and Maine Health Information Center (Onpoint Health Data) began their efforts in 2004.In Tennessee Regional Health Information Organizations (RHIO’s) initiated in Memphis and the Tri Cities region. Carespark, a 501(3)c, in the Tri Cities region was considered a direct project where clinicians interact directly with each other using Carespark’s HL7 compliant system as an intermediary to translate the data bi-directionally. Veterans Affairs (VA) clinics also played a crucial role in the early stages of building this network. In the delta the midsouth eHealth Alliance is a RHIO connecting Memphis hospitals like Baptist Memorial (5 sites), Methodist Systems, Lebonheur Healthcare, Memphis Children’s Clinic, St. Francis Health System, St Jude, The Regional Medical Center and UT Medical. These regional networks allow practitioners to share medical records, lab values medicines and other reports in a more efficient manner.Seventeen US communities have been designated as Beacon Communities across the United States based on their development of HIE’s. These communities’ health focus varies based on the patient population and prevalence of chronic disease states i.e. cvd, diabetes, asthma. The communities focus on specific and measurable improvements in quality, safety and efficiency due to health information exchange improvements. The closest geographical Beacon community to Tennessee, in Byhalia, Mississippi, just south of Memphis, was granted a $100,000 grant by the department of Health and Human Services in September 2011.A healthcare model for Nashville to emulate is located in Indianapolis, IN based on geographic proximity, city size and population demographics. Four Beacon awards have been granted to communities in and around Indianapolis, Health and Hospital Corporation of Marion County, Indiana Health Centers Inc, Raphael Health Center and Shalom Health Care Center Inc. In addition, Indiana Health Information Technology Inc has received over 23 million dollars in grants through the State HIE Cooperative Agreement and 2011 HIE Challenge Grant Supplement programs through the federal government. These awards were based on the following criteria:1) Achieving health goals through health information exchange 2) Improving long term and post acute care transitions 3) Consumer mediated information exchange 4) Enabling enhanced query for patient care 5) Fostering distributed population-level analytics.Regulatory Aspects of Health Information Exchanges and Healthcare ReformThe department of Health and Human Services (HHS) is the regulatory agency that oversees health concerns for all Americans. The HHS is divided into ten regions and Tennessee is part of Region IV headquartered out of Atlanta. The Regional Director, Anton J. Gunn is the first African American elected to serve as regional director and brings a wealth of experience to his role based on his public service specifically regarding underserved healthcare patients and health information exchanges. This experience will serve him well as he encounters societal and demographic challenges for underserved and chronically ill patients throughout the southeast area.The National Health Information Network (NHIN) is a division of HHS that guides the standards of exchange and governs regulatory aspects of health reform. The NHIN collaboration includes departments like the Center for Disease Control (CDC), social security administration, Beacon communities and state HIE’s (ONC).11 The Office of National Coordinator for Health Information Exchange (ONC) has awarded $16 million in additional grants to encourage innovation at the state level. Innovation at the state level will ultimately lead to better patient care through reductions in replicated tests, bridges to care programs for chronic patients leading to continuity and finally timely public health alerts through agencies like the CDC based on this information.12 The Health Information Technology for Economic and Clinical Health (HITECH) Act is funded by dollars from the American Reinvestment and Recovery Act of 2009. HITECH’s goals are to invest dollars in community, regional and state health information exchanges to build effective networks which are connected nationally. Beacon communities and the Statewide Health Information Exchange Cooperative Agreement were initiated through HITECH and ARRA. To date 56 states have received grant awards through these programs totaling 548 million dollars.History of Health Information Partnership TN (HIPTN)In Tennessee the Health Information Exchange has been slower to progress than places like Maine and Indiana based in part on the diversity of our state. The delta has a vastly different patient population and health network than that of middle Tennessee, which differs from eastern Tennessee’s Appalachian region. In August of 2009 the first steps were taken to build a statewide HIE consisting of a non-profit named HIP TN. A board was established at this time with an operations council formed in December. HIP TN’s first initiatives involved connecting the work through Carespark in northeast Tennessee’s s tri-cities region to the Midsouth ehealth Alliance in Memphis. State officials estimated a cost of over 200 million dollars from 2010-2015. The venture involves stakeholders from medical, technical, legal and business backgrounds. The governor in 2010, Phil Bredesen, provided 15 million to match federal funds in addition to issuing an Executive Order establishing the office of eHealth initiatives with oversight by the Office of Administration and Finance and sixteen board members. By March 2010 four workgroups were established to focus on areas like technology, clinical, privacy and security and sustainability.By May of 2010 data sharing agreements were in place and a production pilot for the statewide HIE was initiated in June 2011 along with a Request for Proposal (RFP) which was sent out to over forty vendors. In July 2010 a fifth workgroup,the consumer advisory group, was added and in September 2010 Tennessee was notified that they were one of the first states to have their plans approved after a release of Program Information Notice (PIN). Over fifty stakeholders came together to evaluate the vendor demonstrations and a contract was signed with the chosen vendor Axolotl on September 30th, 2010. At that time a production goal of July 15th, 2011 was agreed upon and in January 2011 Keith Cox was hired as HIP TN’s CEO. Keith brings twenty six years of tenure in healthcare IT to the collaborative. His previous endeavors include Microsoft, Bellsouth and several entrepreneurial efforts. HIP TN’s mission is to improve access to health information through a statewide collaborative process and provide the infrastructure for security in that exchange. The vision for HIP TN is to be recognized as a state and national leader who support measurable improvements in clinical quality and efficiency to patients, providers and payors with secure HIE. Robert S. Gordon, the board chair for HIPTN states the vision well, “We share the view that while technology is a critical tool, the primary focus is not technology itself, but improving health”. HIP TN is a non profit, 501(c)3, that is solely reliant on state government funding. It is a combination of centralized and decentralized architecture. The key vendors are Axolotl, which acts as the umbrella network, ICA for Memphis and Nashville, with CGI as the vendor in northeast Tennessee.15 Future HIP TN goals include a gateway to the National Health Institute planned for late 2011 and a clinician index in early 2012. Carespark, one of the original regional health exchange networks voted to cease operations on July 11, 2011 based on lack of financial support for it’s new infrastructure. The data sharing agreements included 38 health organizations, nine communities and 250 volunteers.16 Carespark’s closure clarifies the need to build a network that is not solely reliant on public grants to fund it’s efforts, which we will discuss in the final section of this paper.Current Status of Healthcare Information Exchange and HIPTNTen grants were awarded in 2011 by the HIE challenge grant supplement. These included initiatives in eight states and serve as communities we can look to for guidance as HIP TN evolves. As previously mentioned one of the most awarded communities lies less than five hours away in Indianapolis, IN. Based on the similarities in our health communities, patient populations and demographics, Indianapolis would provide an excellent mentor for Nashville and the hospital systems who serve patients in TN. The Indiana Health Information Exchange has been recognized nationally for it’s Docs for Docs program and the manner in which collaboration has taken place since it’s conception in 2004. Kathleen Sebelius, Secretary of HHS commented, “The Central Indiana Beacon Community has a level of collaboration and the ability to organize quality efforts in an effective manner from its history of building long standing relationships. We are thrilled to be working with a community that is far ahead in the use of health information to bring positive change to patient care.” Beacon communities that could act as guides for our community include the Health and Hospital Corporation of Marion County and the Indiana Health Centers based on their recent awards of $100,000 each by HHS.A local model of excellence in practice EMR conversion is Old Harding Pediatric Associates (OHPA) which has two clinics and fourteen physicians who handle a patient population of 23,000 and over 72,000 patient encounters per year. OHPA’s conversion to electronic records in early 2000 occurred as a result of the pursuit of excellence in patient care and the desire to use technology in a way that benefitted their patient population. OHPA established a cross functional work team to improve their practices in the areas of facilities, personnel, communication, technology and external influences. Noteworthy was chosen as the EMR vendor based on user friendliness and the similarity to a standard patient chart with tabs for files. The software was customized to the pediatric environment complete with patient growth charts. Windows was used as the operating system based on provider familiarity. Within four days OHPA had 100% compliance and use of their EMR system.The Future of HIP TN and HIE in TennesseeTennessee has received close to twelve million dollars in grant money from The State Health Information Exchange Cooperative Agreement Program.20 Regional Health Information Organizations (RHIO) need to be full scalable to allow hospitals to grow their systems without compromising integrity as they grow.21and the systems located in Nashville will play an integral role in this nationwide scaling with companies like HCA, CHS, Iasis, Lifepoint and Vanguard. The HIE will act as a data repository for all patients information that can be accessed from anywhere and contains a full history of the patients medical record, lab tests, physician network and medicine list. To entice providers to enroll in the statewide HIE tangible value to their practice has to be shown with better safer care. In a 2011 HIMSS editor’s report Richard Lang states that instead of a top down approach “A more practical idea may be for states to support local community HIE development first. Once established, these local networks can feed regional HIE’s and then connect to a central HIE/data repository backbone. States should use a portion of the stimulus funds to support local HIE development.”22 Mr. Lang also believes the primary care physician has to be the foundation for the entire system since they are the main point of contact for the patient.One piece of the puzzle often overlooked is the patient investment in a functional EHR. In order to bring together all the pieces of the HIE puzzle patients will need to play a more active role in their healthcare. Many patients do not know what medicines they take every day or whether they have a living will. Several versions of patient EHR’s like Memitech’s 911medical id card exist, but very few patients know or carry them.23 One way to combat this lack of awareness is to use the hospital as a catch-all and discharge each patient with a fully loaded USB card via case managers. This strategy also might lead to better compliance with post in patient therapies to reduce readmissions.The implementation of connecting qualified organizations began earlier this year. To fully support organizations to move toward qualification the Office of National Coordinator for HIE (ONC) has designated regional education centers (TN rec) who assist providers with educational initiatives in areas like HIT, ICD9 to ICD10 training and EMR transition. Qsource, a non-profit health consulting firm, has been chosen to oversee TNrec. To ensure sustainability it is critical that Tennessee build a network of private funding so that what happened with Carespark won’t happen to HIP TN. The eHealth Initiatives 2011Survey Report states that of the 196 HIE initiatives, 115 act independently of federal funding and of those independent HIE’s, break even through operational revenue. Some of these exchanges were in existence well before the American Recovery and Reinvestment Act in 2009. Startup funding from grants is only meant to get the car going so to speak, the sustainable fuel, as observed in the case of Carespark, has to come from value that can be monetized. KLAS research reports that 54% of public HIE’s were concerned about future sustainability while only 35% of private HIE’s shared this concern.Hospital Implications of HIP TN (A Call to Action)From a Financial perspective, taking our hospital into the future with EMR and an integrated statewide network has profound implications. In the short term the cost to find a vendor, establish EMR in and outpatient will be an expensive proposition. The transition will not be easy or finite and will involve constant evolution as HIP TN integrates with other state HIE’s. To get a realistic idea of the benefits and costs associated with health information integration. we can look to HealthInfoNet in Portland, ME, a statewide HIE that expects to save 37 million dollars in avoided services and 15 million in productivity reduction. Specific areas of savings include paper or fax costs $5 versus $0.25 electronically, virtual health record savings of $50 per referral, $26 saved per ED visit and $17.41 per patient/year due to redundant lab tests which amounts to $52 million for a population of 3 million patients. In Grand Junction Colorado Quality Health Network lowered their per capita Medicare spending to 24% below the national average, gaining recognition by President Obama in 2009. The Santa Cruz Health Information Exchange (SCHIE) with 600 doctors and two hospitals achieved sustainability in the first year of operation and uses a subscription fee for all the organizations who interact with them. In terms of government dollars available, meaningful use incentives exist to encourage hospitals to meet twenty of twenty five objectives in the first phase (2011-2012) and adopting and implement an approved EHR vendor. ARRA specified three ways for EHR to be utilized to obtain Medicare reimbursement. These include e-prescribing, health information exchange and submission of clinical quality measures. The objectives for phase two in 2013 will expand on this baseline. Implementation of EHR and Hospital HIE costs are usually charged by bed or by the number of physicians. Fees can range from $1500 for a smaller hospital up to $12,000 per month for a larger hospital.Perhaps the most compelling argument to building a functional Health Information Exchange is patient and community safety. The Healthbridge reduction in disease outbreak detection of 3-5 days is a perfect example of this safety benefit. Imagine the implications in the case of a rampant virus like avian or swine flu. The goal is to avoid a repeat of the 1918 influenza outbreak and ultimately save the lives of our most at risk. Rick Krohn of Healthsense makes the case for a socially responsible HIE that serves those who are chronically ill, uninsured and homeless. As the taxpayers ultimately bear the societal burden for our country’s healthcare coverage, the need to reduce redundancies, increase efficiency and provide healthcare worthy of the United States is imperative. Right now our healthcare is in the Critical Care Unit it’s time to stabilize it through operational excellence starting with our hospital. Let’s rebuild the Tower of Babel and enhance communication to provide our patients the healthcare they deserve! </p>]]></content:encoded> <wfw:commentRss>https://gjnhbumms.info/38/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Forex Trading – How to Open a Live Forex Account</title> <link>https://gjnhbumms.info/36</link> <comments>https://gjnhbumms.info/36#comments</comments> <pubDate>Tue, 21 Mar 2023 15:10:46 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://gjnhbumms.info/?p=36</guid> <description><![CDATA[Opening a live account in Forex can be a tedious task for beginners especially without a guide for the first time. The steps required to open a demo account is quite easier due to the virtual nature of the account.Most brokers adopt the same principle, and requirements for opening live accounts, except for some who [...]]]></description> <content:encoded><![CDATA[<p> Opening a live account in Forex can be a tedious task for beginners especially without a guide for the first time. The steps required to open a demo account is quite easier due to the virtual nature of the account.Most brokers adopt the same principle, and requirements for opening live accounts, except for some who request extra documents due to their country’s financial regulations, which demands more verification of the applicant’s identity for security purpose.Before we go further lets consider an important checklist below.CHECKLIST – What you need to verify before considering opening an account with a broker.<br />Is my country amongst the eligible countries allowed to open a Forex account with the broker?<br />Does the broker allow payment options available in my country’s financial institution? Can I make withdrawals with the withdrawal options being adopted by the broker?<br />What are the fees required to deposit and withdraw from the broker and its custodian bank?<br />The checklist above is the first thing to consider before deciding to open a live account with a broker.For now we’ll assume you must have decided on the broker you intend to open a live account with.The steps below can be applied to other Forex brokers.Step 1. What kind of account should I open?This is an important aspect you need to know before opening a live account. There are three major kinds of Forex accounts available by all brokers. I’ll explain them to help you know which account is appropriate for you.1. Micro Account: This type of account is best for beginners in Forex. It is ideal for participants who have low capital to trade Forex. Very little risk is involved due to the micro nature of the account. The common leverage size is about 400:1, with a minimum of $100 opening balance.2. Standard account: This account is meant for traders with significant high capital than the micro account. Experience in Forex is a criteria to successfully trade with an account of this nature. The leverage involved here has a higher impact than the micro account. Most brokers usually request a minimum of $2,000 or $5,000 or as much as $10,000 to $50,000 to open a standard account. The common leverage size is about 100:1 with 100,000 trade size.3. Mini account: A mini account is an account appropriate for both beginners and experts in Forex. It has the capacity to control one tenth of a standard account (i.e. $10,000). It has a common leverage size of 200:1 with $500 or higher opening balance and 10,000 trade size.It is important to note that the lot size varies according to each Forex broker. Apart from these common types of account, there are proprietary Forex account designed with unique features and specific services. Step 2: The Required Documents It is very important to know the broker’s required documentations. It would be a waste of time to fill the live account form and get to the documentation stage only to learn that a particular document cannot be produced or is not available in your locality or country.The basic documentation most brokers would require are:Proof of legal identification. Your national driver’s license or international passport are the best for this.Proof of legal address. House rent receipts, and utility bills stating your house address are acceptable.Bank statement. Not all brokers require this except for further verification purpose or alternatives.Utility Bill Receipt. Some brokers require this to further verify your legal identity and proof of social responsibility.Step 3: The Live Account Form (Individual Account)The following details are usually required to be filled in the live account form online or offline.Personal Information: Ensure that the information you state here matches with the details in your bank account. Information required here are the applicant’s Title, First Name, Middle Name, Last Name, Date of Birth, e.t.c.Contact Information: Your Email Address, Country, Phone Number, City, Street Name, Postal Zip Code, e.t.c.Investor Information: Currency type, net worth outside your personal income, your annual income, employment status, your industry, e.t.c. Brokers require this information to advise you and indemnify themselves in case you do not meet the financial requirements to invest in Forex.Trading knowledge: Your experience level in Forex, CFDs, Options, Futures, Stocks, e.t.c. Brokers use this information for advisory purpose. You might be required to download a form containing risk disclaimer notice and other conditions of service or agreements for your signatory. After signing the form, scan it and email it back to the broker. This form serves as a consent form by the applicant indemnifying the broker.All other documents should be scanned and sent to the broker as well. The broker will screen your application, and the documents submitted. You will be informed if your application is successful or not. If your application is successful, a confirmation message stating details of how to fund your account would be sent to you.DEPOSITING FUNDS INTO THE LIVE ACCOUNT The steps here vary from country to country but the principles are the same. The steps can be applied for other banks in other countries. We’ll assume you have already downloaded the trading platform. The trading platform before now should be on a demo account or blank if it’s a new one. You don’t need to download another trading platform for a live account if you already have a demo account from the broker. When your application gets approved, you will be given details of the live server ip address and login details.Step 4: Identify which deposit option is preferable for you.Each deposit option comes with its attendant fees and hurdles. Some options are faster, some are costlier than others, while some are more secure. The credit card option is currently being banned by some financial regulatory agencies as a deposit option. I personally will not recommend it. The bank wire option still remains the best and secured option to deposit and withdraw funds from your Forex account.Step 5: Open a foreign account (domiciliary account)This is required for wire transfer into the broker’s bank where your trading account would be credited from. If you already have one then skip this step.Domiciliary account is an account that holds international currency usually in dollars, pounds, or euro. It allows you to make international transactions from your home country. You need to have a current account before you can open a domiciliary account.The major requirements needed to open a domiciliary account are:<br />Duly completed application form.<br />Copies of acceptable means of identification (Driver’s License, International passport, National I.D Card, and any other acceptable identification document deemed fit by the bank) Passport photograph.<br />Two (2) duly completed and suitable reference forms.<br />Utility bill issued within the last 3 months.The account must be funded with the minimum deposit in the foreign currency to activate it for use.Step 6: Get the required deposit currency Most Forex brokers adopt the universal currency for deposits, which is the US Dollar. Other currency deposits like pounds or euro is also accepted. You need to convert your local fund (i.e. the funds you intend to deposit into your live account) into the deposit currency. You have to get the latest exchange rates before going to the currency market (i.e banks or bureau-de-change) else you might be short changed.The total bank charge i.e your local bank’s fee and the broker’s bank fee should be added to the total amount you intend to purchase from the currency market for deposit into your live account. Most traders make the mistake of transferring only the capital needed to trade forex but later get lower figures in their live account because the banks would have taken their fees before crediting their Forex account. So inquire from the broker about the fees that will be deducted from the total deposit, and also inquire from your local bank about the necessary fees required to make a transfer.Step 7: Get the broker’s bank account details (Wire Transfer)This should have been sent to you after confirmation of your application. I strongly recommend you request for the broker’s bank account details from the broker’s account department. Take the account details to your bank and use it to fill the Foreign Transfer Account Form.Wire transfer takes less than one (1) working business week or more to get credited to your trading account. </p>]]></content:encoded> <wfw:commentRss>https://gjnhbumms.info/36/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Cheap Homes and Tips For Buying a House in Sale</title> <link>https://gjnhbumms.info/33</link> <comments>https://gjnhbumms.info/33#comments</comments> <pubDate>Tue, 21 Mar 2023 13:09:20 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://gjnhbumms.info/?p=33</guid> <description><![CDATA[A home is a financial asset and more: it’s a place to live and raise children; it’s a plan for the future; it’s an investment in your community. That’s why all Americans should have an opportunity to enjoy the benefits of owning a home. And here are some tips for first-time home buyers.Knowledge is said [...]]]></description> <content:encoded><![CDATA[<p> A home is a financial asset and more: it’s a place to live and raise children; it’s a plan for the future; it’s an investment in your community. That’s why all Americans should have an opportunity to enjoy the benefits of owning a home. And here are some tips for first-time home buyers.Knowledge is said to open doors. This is literally true when it comes to buying a home. To become a first-time home buyer, you need to know where and how to begin the home buying process. The following questions and answers have been carefully selected to give you a foundation of basic knowledge of home purchasing. In addition to helping you begin, these steps will give you the tools necessary to navigate the entire home buying process – from deciding whether you’re ready to buy house, all the way to that final proud step of owning a home, getting the keys to your new home.1. HOW DO I KNOW IF I’M READY TO BUY A HOME?You can find out by asking yourself some questions:Do I have a steady source of income (usually a job)? Have I been employed on a regular basis for the last 2-3 years? Is my current income reliable?<br />Do I have a good record of paying my bills?<br />Do I have few outstanding long-term debts, like car payments?<br />Do I have money saved for a down payment?<br />Do I have the ability to pay a mortgage every month, plus additional costs?If you can answer “yes” to these questions, you are probably ready to buy your own home.2. HOW DO I BEGIN THE PROCESS OF BUYING A HOME?Start by thinking about your situation. Are you ready to buy a home? How much can you afford in a monthly mortgage payment? How much space do you need? What areas of town do you like? After you answer these questions, make a “To Do” list and start doing casual research about property. Talk to friends and family, drive through neighborhoods, and look in the “Homes” section of the newspaper, Foreclosure Listings, and internet search.3. HOW DOES PURCHASING A HOME COMPARE WITH RENTING?The two don’t really compare at all. The one advantage of renting is being generally free of most maintenance responsibilities. But by renting, you lose the chance to build equity, take advantage of tax benefits, and protect yourself against rent increases. Also, you may not be free to decorate without permission and may be at the mercy of the landlord for housing.Owning a home has many benefits. When you make a mortgage payment, you are building equity. And that’s an investment. Owning a home also qualifies you for tax breaks that assist you in dealing with your new financial responsibilities- like insurance, real estate taxes, and upkeep- which can be substantial. But given the freedom, stability, and security of owning your own home, they are worth it.4. HOW DOES THE LENDER DECIDE THE MAXIMUM LOAN AMOUNT THAT CAN AFFORD?The lender considers your debt-to-income ratio, which is a comparison of your gross (pre-tax) income to housing and non-housing expenses. Non-housing expenses include such long-term debts as car or student loan payments, alimony, or child support. Monthly mortgage payments should be no more than 29% of gross income, while the mortgage payment, combined with non-housing expenses, 4 should total no more than 41% of income. The lender also considers cash available for down payment and closing costs, credit history, etc. when determining your maximum loan amount.5. HOW DO I SELECT THE RIGHT REAL ESTATE AGENT?Start by asking family and friends if they can recommend an agent. Compile a list of several agents and talk to each before choosing one. Look for an agent who listens well and understands your needs, and whose judgment you trust. The ideal agent knows the local area well and has resources and contacts to help you in your search. Overall, you want to choose an agent that makes you feel comfortable and can provide all the knowledge and real estate services you need.<br />But make sure you check the prices for homes in the area on internet before you visit any real estate agent.6. HOW CAN I DETERMINE MY HOUSING NEEDS BEFORE I BEGIN THE SEARCH?Your home should fit way you live, with spaces and features that appeal to the whole family. Before you begin looking at homes, make a list of your priorities – things like location and size. Should the house be close to certain schools? your job? to public transportation? How large should the house be? What type of lot do you prefer? What kinds of amenities are you looking for? Establish a set of minimum requirements and a ‘wish list.” Minimum requirements are things that a house must have for you to consider it, while a “wish list” covers things that you’d like to have but aren’t essential.7. WHAT SHOULD I LOOK FOR WHEN DECIDING ON A COMMUNITY?Select a community that will allow you to best live your daily life. Many people choose communities based on schools. Do you want access to shopping and public transportation? Is access to local facilities like libraries and museums important to you? Or do you prefer the peace and quiet of a rural community? When you find places that you like, talk to people that live there. They know the most about the area and will be your future neighbors. More than anything, you want a neighborhood where you feel comfortable in.8. HOW CAN I FIND OUT ABOUT LOCAL SCHOOLS?You can get information about school systems by contacting the city or county school board or the local schools. Your real estate agent may also be knowledgeable about schools in the area.9. HOW CAN I FIND OUT HOW MUCH HOMES ARE SELLING FOR IN CERTAIN COMMUNITIES AND NEIGHBORHOODS?Your real estate agent can give you a ballpark figure by showing you comparable listings. If you are working with a real estate professional, they may have access to comparable sales.10. HOW CAN I FIND INFORMATION ON THE PROPERTY TAX LIABILITY?The total amount of the previous year’s property taxes is usually included in the listing information. If it’s not, ask the seller for a tax receipt or contact the local assessor’s off ice. Tax rates can change from year to year, so these figures may be approximate.11. WHAT OTHER TAX ISSUES SHOULD I TAKE INTO CONSIDERATION?Keep in mind that your mortgage interest and real estate taxes will be deductible. A qualified real estate professional can give you more details on other tax benefits and liabilities,12. IS AN OLDER HOME A BETTER VALUE THAN A NEW ONE?There isn’t a definitive answer to this question. You should look at each home for its individual characteristics. Generally, older homes may be in more established neighborhoods, offer more ambiance, and have lower property tax rates. People who buy older homes, however, shouldn’t mind maintaining their home and making some repairs. Newer homes tend to use more modern architecture and systems, are usually easier to maintain, and may be more energy-efficient. People who buy new homes often don’t want to worry initially about upkeep and repairs.13. WHAT SHOULD I LOOK FOR WHEN WALKING THROUGH A HOME?</p><p>In addition to comparing the home to your minimum requirement and wish lists, use the Home Scorecard and consider the following:Is there enough room for both the present and the future?<br />Are there enough bedrooms and bathrooms?<br />Is the house structurally sound?<br />Do the mechanical systems and appliances work?<br />Is the yard big enough?<br />Do you like the floor plan?<br />Will your furniture fit in the space? Is there enough storage space? (Bring a tape measure to better answer these questions.)<br />Does anything need to repaired or replaced? Will the seller repair or replace the items?Imagine the house in good weather and bad, and in each season. Will you be happy with it year-round?Take your time and think carefully about each house you see. Ask your real estate agent to point out the pros and cons of each home from a professional standpoint.14. WHAT QUESTIONS SHOULD I ASK WHEN LOOKING AT HOMES?Many of your questions should focus on potential problems and maintenance issues. Does anything need to be replaced? What things require ongoing maintenance (e.g., paint, roof, HVAC, appliances, carpet)? Also ask about the house and neighborhood, focusing on quality of life issues. Be sure the seller’s or real estate agent’s answers are clear and complete. Ask questions until you understand all of the information they’ve given. Making a list of questions ahead of time will help you organize your thoughts and arrange all of the information you receive. Prepare your own Home question list before you visit property. Find out about monthly utility bills for entire home.15. HOW CAN I KEEP TRACK OF ALL THE HOMES I SEE?If possible, take photographs of each house: the outside, the major rooms, the yard, and extra features that you like or ones you see as potential problems. And don’t hesitate to return for a second look. Organize your photos and notes for each house.16. HOW MANY HOMES SHOULD I CONSIDER BEFORE CHOOSING ONE?There isn’t a set number of houses you should see before you decide. Visit as many as it takes to find the one you want. On average, home buyers see 15 houses before choosing one. Just be sure to communicate often with your real estate agent about everything you’re looking for. It will help avoid wasting your time.YOU’VE FOUND THE DREAM HOME17. WHAT DOES A HOME INSPECTOR DO, AND HOW DOES AN INSPECTION FIGURE IN THE PURCHASE OF A HOME?An inspector checks the safety of your potential new home. Home Inspectors focus especially on the structure, construction, and mechanical systems of the house and will make you aware of only repairs,that are needed.The Inspector does not evaluate whether or not you’re getting good value for your money. Generally, an inspector checks (and gives prices for repairs on): the electrical system, plumbing and waste disposal, the water heater, insulation and Ventilation, the HVAC system, water source and quality, the potential presence of pests, the foundation, doors, windows, ceilings, walls, floors, and roof. Be sure to hire a home inspector that is qualified and experienced.It’s a good idea to have an inspection before you sign a written offer since, once the deal is closed, you’ve bought the house as is.” Or, you may want to include an inspection clause in the offer when negotiating for a home. An inspection t clause gives you an ‘out” on buying the house if serious problems are found,or gives you the ability to renegotiate the purchase price if repairs are needed. An inspection clause can also specify that the seller must fix the problem(s) before you purchase the house.18. DO I NEED TO BE THERE FOR THE INSPECTION?It’s not required, but it’s a good idea. Following the inspection, the home inspector will be able to answer questions about the report and any problem areas. This is also an opportunity to hear an objective opinion on the home you’d I like to purchase and it is a good time to ask general, maintenance questions.19. ARE OTHER TYPES OF INSPECTIONS REQUIRED?If your home inspector discovers a serious problem a more specific Inspection may be recommended. It’s a good idea to consider having your home inspected for the presence of a variety of health-related risks like radon gas asbestos, or possible problems with the water or waste disposal system.20. HOW CAN I PROTECT MY FAMILY FROM LEAD IN THE HOME?If the house you’re considering was built before 1978 and you have children under the age of seven, you will want to have an inspection for lead-based point. It’s important to know that lead flakes from paint can be present in both the home and in the soil surrounding the house. The problem can be fixed by repairing damaged paint surfaces or planting grass over effected soil. Hiring a lead abatement contractor to remove paint chips.21. DO I NEED A LAWYER TO BUY A HOME?Laws vary by state. Some states require a lawyer to assist in several aspects of the home buying process while other states do not, as long as a qualified real estate professional is involved. Even if your state doesn’t require one, you may want to hire a lawyer to help with the complex paperwork and legal contracts. A lawyer can review contracts, make you aware of special considerations, and assist you with the closing process. Your real estate agent may be able to recommend a lawyer. If not, shop around. Find out what services are provided for what fee, and whether the attorney is experienced at representing home buyers.22. DO I REALLY NEED HOME OWNER’S INSURANCE?Yes. A paid home owner’s insurance policy (or a paid receipt for one) is required at closing, so arrangements will have to be made prior to that day. Plus, involving the insurance agent early in the home buying process can save you money. Insurance agents are a great resource for information on home safety and they can give tips on how to keep insurance premiums low.23. WHAT STEPS COULD I TAKE TO LOWER MY HOME OWNER’S INSURANCE COSTS?Be sure to shop around among several insurance companies. Also, consider the cost of insurance when you look at homes. Newer homes and homes constructed with materials like brick tend to have lower premiums. Think about avoiding areas prone to natural disasters, like flooding. Choose a home with a fire hydrant or a fire department nearby.24. IS THE HOME LOCATED IN A FLOOD PLAIN?Your real estate agent or lender can help you answer this question. If you live in a flood plain, the lender will require that you have flood insurance before lending any money to you. But if you live near a flood plain, you may choose whether or not to get flood insurance coverage for your home. Work with an insurance agent to construct a policy that fits your needs.25. WHAT OTHER ISSUES SHOULD I CONSIDER BEFORE I BUY MY HOME?Always check to see if the house is in a low-lying area, in a high-risk area for natural disasters (like earthquakes, hurricanes, tornadoes, etc.), or in a hazardous materials area. Be sure the house meets building codes. Also consider local zoning laws, which could affect remodeling or making an addition in the future. Your real estate agent should be able to help you with these questions.26. HOW DO I MAKE AN OFFER?Your real estate agent will assist you in making an offer, which will include the following information:Complete legal description of the property<br />Amount of earnest money<br />own payment and financing details<br />Proposed move-in date<br />Price you are offering<br />Proposed closing date<br />Length of time the offer is valid<br />Details of the dealRemember that a sale commitment depends on negotiating a satisfactory contract with the seller, not just Making an offer.Other ways to lower ins-insurance costs include insuring your home and car(s) with the same company, increasing home security, and seeking group coverage through alumni or business associations. Insurance costs are always lowered by raising your deductibles, but this exposes you to a higher out-of-pocket cost if you have to file a claim.27. HOW DO I DETERMINE THE INITIAL OFFER?Unless you have a buyer’s agent, remember that the agent works for the seller. Make a point of asking him or her to keep your discussions and information confidential. Listen to your real estate agent’s advice, but follow your own instincts on deciding a fair price. Calculating your offer should involve several factors: what homes sell for in the area, the home’s condition, how long it’s been on the market, financing terms, and the seller’s situation. By the time you’re ready to make an offer, you should have a good idea of what the home is worth and what you can afford. And, be prepared for give-and-take negotiation, which is very common when buying a home. The buyer and seller may often go back and forth until they can agree on a price. Check Home price in that area on websites.28. WHAT IS EARNEST MONEY? HOW MUCH SHOULD I SET ASIDE?Earnest money is money put down to demonstrate your seriousness about buying a home. It must be substantial enough to demonstrate good faith and is usually between 1-5% of the purchase price (though the amount can vary with local customs and conditions). If your offer is accepted, the earnest money becomes part of your down payment or closing costs. If the offer is rejected, your money is returned to you. If you back out of a deal, you may forfeit the entire amount.29. WHAT ARE “HOME WARRANTIES”, AND SHOULD I CONSIDER THEM?Home warranties offer you protection for a specific period of time (e.g., one year) against potentially costly problems, like unexpected repairs on appliances or home systems, which are not covered by home owner’s insurance. Warranties are becoming more popular because they offer protection during the time immediately following the purchase of a home, a time when many people find themselves cash-strapped.GENERAL FINANCING QUESTIONS:THE BASICS30. WHAT IS A MORTGAGE?Generally speaking, a mortgage is a loan obtained to purchase real estate. The “mortgage” itself is a lien (a legal claim) on the home or property that secures the promise to pay the debt. All mortgages have two features in common: principal and interest.31. WHAT IS A LOAN TO VALUE (LTV) HOW DOES IT DETERMINE THE SIZE OF MY LOAN?The loan to value ratio is the amount of money you borrow compared with the price or appraised value of the home you are purchasing. Each loan has a specific LTV limit. For example: With a 95% LTV loan on a home priced at $50,000, you could borrow up to $47,500 (95% of $50,000), and would have to pay,$2,500 as a down payment.The LTV ratio reflects the amount of equity borrowers have in their homes. The higher the LTV the less cash home buyers are required to pay out of their own funds. So, to protect lenders against potential loss in case of default, higher LTV loans (80% or more) usually require mortgage insurance policy.32. WHAT TYPES OF LOANS ARE AVAILABLE AND WHAT ARE THE ADVANTAGES OF EACH?Fixed Rate Mortgages: Payments remain the same for the the life of the loanTypes15-year<br />30-yearAdvantagesPredictable<br />Housing cost remains unaffected by interest rate changes and inflation.Adjustable Rate Mortgages (ARMS): Payments increase or decrease on a regular schedule with changes in interest rates; increases subject to limitsTypesBalloon Mortgage- Offers very low rates for an Initial period of time (usually 5, 7, or 10 years); when time has elapsed, the balance is clue or refinanced (though not automatically)<br />Two-Step Mortgage- Interest rate adjusts only once and remains the same for the life of the loan<br />ARMS linked to a specific index or marginAdvantagesGenerally offer lower initial interest rates<br />Monthly payments can be lower<br />May allow borrower to qualify for a larger loan amount33. WHEN DO ARMS MAKE SENSE?An ARM may make sense If you are confident that your income will increase steadily over the years or if you anticipate a move in the near future and aren’t concerned about potential increases in interest rates.34. WHAT ARE THE ADVANTAGES OF 15- AND 30-YEAR LOAN TERMS?30-Year:In the first 23 years of the loan, more interest is paid off than principal, meaning larger tax deductions.<br />As inflation and costs of living increase, mortgage payments become a smaller part of overall expenses.15-year:Loan is usually made at a lower interest rate.<br />Equity is built faster because early payments pay more principal.35. CAN I PAY OFF MY LOAN AHEAD OF SCHEDULE?Yes. By sending in extra money each month or making an extra payment at the end of the year, you can accelerate the process of paying off the loan. When you send extra money, be sure to indicate that the excess payment is to be applied to the principal. Most lenders allow loan prepayment, though you may have to pay a prepayment penalty to do so. Ask your lender for details.36. ARE THERE SPECIAL MORTGAGES FOR FIRST-TIME HOME BUYERS?Yes. Lenders now offer several affordable mortgage options which can help first-time home buyers overcome obstacles that made purchasing a home difficult in the past. Lenders may now be able to help borrowers who don’t have a lot of money saved for the down payment and closing costs, have no or a poor credit history, have quite a bit of long-term debt, or have experienced income irregularities.37. HOW LARGE OF A DOWN PAYMENT DO I NEED?There are mortgage options now available that only require a down payment of 5% or less of the purchase price. But the larger the down payment, the less you have to borrow, and the more equity you’ll have. Mortgages with less than a 20% down payment generally require a mortgage insurance policy to secure the loan. When considering the size of your down payment, consider that you’ll also need money for closing costs, moving expenses, and – possibly -repairs and decorating.38. WHAT IS INCLUDED IN A MONTHLY MORTGAGE PAYMENT?The monthly mortgage payment mainly pays off principal and interest. But most lenders also include local real estate taxes, home owner’s insurance, and mortgage insurance (if applicable).39. WHAT FACTORS AFFECT MORTGAGE PAYMENTS?The amount of the down payment, the size of the mortgage loan, the interest rate, the length of the repayment term and payment schedule will all affect the size of your mortgage payment.40. HOW DOES THE INTEREST RATE FACTOR IN SECURING A MORTGAGE LOAN?A lower interest rate allows you to borrow more money than a high rate with the some monthly payment. Interest rates can fluctuate as you shop for a loan, so ask-lenders if they offer a rate “lock-in”which guarantees a specific interest rate for a certain period of time. Remember that a lender must disclose the Annual Percentage Rate (APR) of a loan to you. The APR shows the cost of a mortgage loan by expressing it in terms of a yearly interest rate. It is generally higher than the interest rate because it also includes the cost of points, mortgage insurance, and other fees included in the loan.41. WHAT HAPPENS IF INTEREST RATES DECREASE AND I HAVE A FIXED RATE LOAN?If interest rates drop significantly, you may want to investigate refinancing. Most experts agree that if you plan to be in your house for at least 18 months and you can get a rate 2% less than your current one, refinancing is smart. Refinancing may, however, involve paying many of the same fees paid at the original closing, plus origination and application fees.42. WHAT ARE DISCOUNT POINTS?Discount points allow you to lower your interest rate. They are essentially prepaid interest, With each point equaling 1% of the total loan amount. Generally, for each point paid on a 30-year mortgage, the interest rate is reduced by 1/8 (or.125) of a percentage point. When shopping for loans, ask lenders for an interest rate with 0 points and then see how much the rate decreases With each point paid. Discount points are smart if you plan to stay in a home for some time since they can lower the monthly loan payment. Points are tax deductible when you purchase a home and you may be able to negotiate for the seller to pay for some of them.43. WHAT IS AN ESCROW ACCOUNT? DO I NEED ONE?Established by your lender, an escrow account is a place to set aside a portion of your monthly mortgage payment to cover annual charges for home owner’s insurance, mortgage insurance (if applicable), and property taxes. Escrow accounts are a good idea because they assure money will always be available for these payments. If you use an escrow account to pay property tax or home owner’s insurance, make sure you are not penalized for late payments since it is the lender’s responsibility to make those payments.44. WHAT STEPS NEED TO BE TAKEN TO SECURE A LOAN?The first step in securing a loan is to complete a loan application. To do so, you’ll need the following information.Pay stubs for the past 2-3 months<br />W-2 forms for the past 2 years<br />Information on long-term debts<br />Recent bank statements<br />tax returns for the past 2 years<br />Proof of any other income<br />Address and description of the property you wish to buy<br />Sales contractDuring the application process, the lender will order a report on your credit history and a professional appraisal of the property you want to purchase. The application process typically takes between 1-6 weeks.45. HOW DO I CHOOSE THE RIGHT LENDER FOR ME?Choose your lender carefully. Look for financial stability and a reputation for customer satisfaction. Be sure to choose a company that gives helpful advice and that makes you feel comfortable. A lender that has the authority to approve and process your loan locally is preferable, since it will be easier for you to monitor the status of your application and ask questions. Plus, it’s beneficial when the lender knows home values and conditions in the local area. Do research and ask family, friends, and your real estate agent for recommendations. Once again internet research can help you in home financing too.46. HOW ARE PRE-QUALIFYING AND PRE-APPROVAL DIFFERENT?Pre-qualification is an informal way to see how much you maybe able to borrow. You can be ‘pre-qualified’ over the phone with no paperwork by telling a lender your income, your long-term debts, and how large a down payment you can afford. Without any obligation, this helps you arrive at a ballpark figure of the amount you may have available to spend on a house.Pre-approval is a lender’s actual commitment to lend to you. It involves assembling the financial records mentioned in Question 47 (Without the property description and sales contract) and going through a preliminary approval process. Pre-approval gives you a definite idea of what you can afford and shows sellers that you are serious about buying.47. WHAT IS A CREDIT BUREAU SCORE AND HOW DO LENDERS USE THEM?A credit bureau score is a number, based upon your credit history, that represents the possibility that you will be unable to repay a loan. Lenders use it to determine your ability to qualify for a mortgage loan. The better the score, the better your chances are of getting a loan. Ask your lender for details.CLOSING48. WHAT HAPPENS AFTER I’VE APPLIED FOR MY LOAN?It usually takes a lender between 1-6 weeks to complete the evaluation of your application. Its not unusual for the lender to ask for more information once the application has been submitted. The sooner you can provide the information, the faster your application will be processed. Once all the information has been verified the lender will call you to let you know the outcome of your application. If the loan is approved, a closing date is set up and the lender will review the closing with you. And after closing, you’ll be able to move into your new home.49. WHAT SHOULD I LOOK OUT FOR DURING THE FINAL WALK-THROUGH?This will likely be the first opportunity to examine the house without furniture, giving you a clear view of everything. Check the walls and ceilings carefully, as well as any work the seller agreed to do in response to the inspection. Any problems discovered previously that you find uncorrected should be brought up prior to closing. It is the seller’s responsibility to fix them.50. WHAT MAKES UP CLOSING COST OF HOME?There may be closing cost customary or unique to a certain locality, but closing cost are usually made up of the following:Attorney’s or escrow fees (Yours and your lender’s if applicable)<br />Property taxes (to cover tax period to date)<br />Interest (paid from date of closing to 30 days before first monthly payment)<br />Loan Origination fee (covers lenders administrative cost)<br />Recording fees<br />Survey fee<br />First premium of mortgage Insurance (if applicable)<br />Title Insurance (yours and lender’s)<br />Loan discount points<br />First payment to escrow account for future real estate taxes and insurance<br />Paid receipt for home owner’s insurance policy (and fire and flood insurance if applicable).<br />Any documentation preparation fees51. WHAT CAN I EXPECT TO HAPPEN ON CLOSING DAY?You’ll present your paid home owner’s insurance policy or a binder and receipt showing that the premium has been paid. The closing agent will then list the money you owe the seller (remainder of down payment, prepaid taxes, etc.) and then the money the seller owes you (unpaid taxes and prepaid rent, if applicable). The seller will provide proofs of any inspection, warranties, etc.Once you’re sure you understand all the documentation, you’ll sign the mortgage, agreeing that if you don’t make payments the lender is entitled to sell your property and apply the sale price against the amount you owe plus expenses. You’ll also sign a mortgage note, promising to repay the loan. The seller will give you the title to the house in the form of a signed deed.You’ll pay the lender’s agent all closing costs and, in turn,he or she will provide you with a settlement statement of all the items for which you have paid. The deed and mortgage will then be recorded in the state Registry of Deeds, and you will be a homeowner.52. WHAT DO I GET AT CLOSING?Settlement Statement (itemizes services provided and the fees charged; it is filled out by the closing agent and must be given to you at or before closing)Truth-in-Lending StatementMortgage NoteMortgage or Deed of TrustBinding Sales Contract (prepared by the seller; your lawyer should review it)Keys to your new homeWHERE CAN I FIND CHEAP HOMES FOR SALE?Visit the link below and Find Cheap Homes for Sale near you. </p>]]></content:encoded> <wfw:commentRss>https://gjnhbumms.info/33/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Role of an Entertainment Lawyer</title> <link>https://gjnhbumms.info/30</link> <comments>https://gjnhbumms.info/30#comments</comments> <pubDate>Sun, 26 Feb 2023 15:34:51 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://gjnhbumms.info/?p=30</guid> <description><![CDATA[Entertainment law – also known as media law – covers the gamut of laws governing entertainment industry businesses and professionals. Lawyers practicing in this area of law are known as entertainment lawyers. They are also familiar with other areas of law such as litigation, labor law and contract law. Entertainment lawyers predominantly help clients with [...]]]></description> <content:encoded><![CDATA[<p> Entertainment law – also known as media law – covers the gamut of laws governing entertainment industry businesses and professionals. Lawyers practicing in this area of law are known as entertainment lawyers. They are also familiar with other areas of law such as litigation, labor law and contract law. Entertainment lawyers predominantly help clients with negotiating contracts and with infringement suits related to copyrights. These lawyers also take on the role of agents to help their clients manage their careers and assets. In addition to this, they also help out with a number of legalities as far as the entertainment industry is concerned. Here is a look at what an entertainment lawyer does.Job description of an entertainment lawyerEntertainment lawyers draw up contracts for their clients and review those from their managers, studios, publicists and such. Their knowledge of entertainment law ensures that these contracts keep their client’s best interests in mind. If not, then these lawyers help clients negotiate these contracts. In addition to this, these lawyers create relationships with studios and record labels. This helps them stay aware of deals that may be viable for their clients. Also, this way they are aware of who in the industry has a stronger presence and they can use this knowledge to establish deals for clients with ease.Areas of specialization of an entertainment lawyerThese lawyers also help clients who have joined the industry newly to understand what deals and contracts will be beneficial for them. They also make these clients aware of their performing rights. They help clients with understanding how to hire an agent, manager and accountant. With their awareness of entertainment law, lawyers provide general counsel to clients. They also aid with inputs on merchandising and marketing deals. Entertainment lawyers help their clients with tax issues and real estate deals too.What to look for when hiring an entertainment lawyerThere are a few aspects an artist will have to consider when hiring an entertainment lawyer. First is the expense of hiring the lawyer. The artist will also have to enquire about the lawyer’s billing methods. Some may charge fees on an hourly basis while others may charge a percentage of the artist’s income. Few other lawyers may charge a set amount for each contract or for a month. Sometimes lawyers use value billing wherein a fee is charged on the basis of their client’s deal size and their own contribution to acquiring it. Artists should also enquire about hidden charges that can be charged in addition to the lawyer’s fees. This may include costs for photocopies, phone calls and such.Second is a conflict of interest that may surface on hiring a lawyer who has a close association with the client’s competitor. Third, is to check for references for the lawyer that the artist is interested in hiring. This lawyer’s clientele should ideally consist of entertainment industry professionals/businesses with legal requirements that are similar to that of the artist in question. They should enquire about the lawyer’s responsiveness, level of involvement and dedication by asking relevant questions to his/her prior clients.The business or professional should ideally hire a lawyer with a specialization in entertainment law. A careful research of different lawyers is highly recommended in order to make an informed decision. </p>]]></content:encoded> <wfw:commentRss>https://gjnhbumms.info/30/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>There is an excessive amount of traffic coming from your Region.</title> <link>https://gjnhbumms.info/28</link> <comments>https://gjnhbumms.info/28#comments</comments> <pubDate>Sun, 05 Feb 2023 06:19:19 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[accounting]]></category> <category><![CDATA[business]]></category> <category><![CDATA[companies]]></category> <category><![CDATA[google]]></category> <category><![CDATA[near me]]></category> <category><![CDATA[offices]]></category> <category><![CDATA[restaurant]]></category> <category><![CDATA[sale]]></category> <category><![CDATA[services]]></category> <guid isPermaLink="false">http://gjnhbumms.info/?p=28</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p>]]></content:encoded> <wfw:commentRss>https://gjnhbumms.info/28/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Brainstorming The Ideas for Influencing Your Mobile App Audience</title> <link>https://gjnhbumms.info/26</link> <comments>https://gjnhbumms.info/26#comments</comments> <pubDate>Sun, 09 Oct 2022 13:48:16 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Accounting & Auditing]]></category> <category><![CDATA[Banking Services]]></category> <category><![CDATA[Credit & Collections]]></category> <category><![CDATA[Finance]]></category> <category><![CDATA[Financial Planning]]></category> <category><![CDATA[Financial Services]]></category> <category><![CDATA[Insurance]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Loans]]></category> <category><![CDATA[Personal Finance]]></category> <guid isPermaLink="false">http://www.gjnhbumms.info/?p=26</guid> <description><![CDATA[Once the app is downloaded, you have little time to take a sigh of relief, and then again start focusing on making things easier for the them till their goal is achieved. According to the AppsFlyer, an app marketing company, the global uninstall rate for apps after 30 days is 28%. Entertainment apps are most [...]]]></description> <content:encoded><![CDATA[<p>Once the app is downloaded, you have little time to take a sigh of relief, and then again start focusing on making things easier for the them till their goal is achieved.</p><p>According to the AppsFlyer, an app marketing company, the global uninstall rate for apps after 30 days is 28%. Entertainment apps are most frequently deleted, whereas apps based on Finance is least frequently deleted. No matter which app category you belong to, your strategy should be to remain in the mobile phones of users for a long time, and not just sit around but to fulfill your purpose as well.</p><p>If we analyze the encounters of users with an app step by step, it can help us unveil the critical factors that influence mobile app audiences, so that we can work upon those and achieve our purpose. Here are the details:</p><p>Step1. Finding Your App in Appstore</p><p>For this, we have to first find out what exactly users type to search an app. Based on a research, it has been found that 47% app users on iOS confirmed that they found the app through the App Store’s search engine and 53% app users on Android confirmed the same.</p><p>What have been their search queries? Interestingly, as the per the data provided by the TUNE research, 86% of the top 100 keywords were brands.With little scope for non-branded categories, most of the keywords were either of games of utility apps. Common keywords in the non branded category are: games, free games, VPN, calculator, music, photo editor, and weather.</p><p>Leaving brands aside, if we analyze the user-type of a Non-branded category, we will get two types of users:</p><p>1. Users are informed, and they know what they are search</p><p>2. Users are exploring possibilities, have no precise information in mind.</p><p>If you are a mobile app development company, targeting non-branded users, then your efforts must be directed to creating apps that compel these two types of users. To do so, we have to analyze once they are on an app store, what keywords they use to search. Regina Leuwer, with expertise in marketing & communications, bring some light to the subject. She reached out Sebastian Knopp, creator of app store search intelligence tool appkeywords, who shared with her the data of unique trending search phrases. And according to that data, in 2017, there were around 2,455 unique search phrases trending in the US.</p><p>Now, if we study these data to get information, we will find that name of the app is critical to attract the attention of the users.</p><p>If your app belongs to non-branded category, then make sure your app name is similar to the common search queries but also unique in comparison with your competitors. So that when your app name is flashed, they click it on to it, finding it purposeful and compelling both.</p><p>Step 2. Installation</p><p>Remember your users are on mobile devices has limited resources, from battery to storage and RAM to Internet. Everything is limited. So better create an application that is easy to download or say get downloaded with 5 minutes. One critical advice here:</p><p>1. Keep the application file size small.</p><p>If you are a developer, use APK Analyser to find out which part of the application is consuming maximum space. You can also reduce classes.dex file and res folder that contains images, raw files, and XML.</p><p>Step 3. Onboarding</p><p>After the user has successfully downloaded your mobile application, don’t leave anything on assumptions. Guide them properly. This you can do through an onboarding process, where users can learn the key functionality and where to begin with the mobile app. Below are the 3 things you need to keep in your mind when creating an onboarding process for your users.</p><p>Short and Crisp: The entire guidance of features and functions should be completed within few seconds, with easy options loud and clear option to skip.</p><p>Precise Information: Don’t introduce them to the app. They already know what they have downloaded. The objective to inform about the key functions and features.</p><p>Allow Users to Skip: Let the tech-savvy users skip the intro. Your app is to meet their requirement and not to have a friendly session.</p><p>Step 4. Purpose and UI<br />Here, the stage is set for your app and it is the golden chance for you to impress your users. What is needed here is the collaboration between purpose and UI of the app. It totally depends on the problem-solving capability and ease of use of the mobile app. Interface design plays the critical role, allowing the users to access features of the apps easily and quickly to perform the task for what they have downloaded the app. When it comes to interface design, make sure that the design is interactive and task-oriented. Here are some factors that you must take care off while creating mobile app interface:</p><p>1. Usability: The Mobile phone is an epitome of convenience and if your users find it difficult to use your app, then there is no way there are going to make the space for it in their mobile phones. From screen size to the color of the app, there are many factors that are equally critical and need attention.</p><p>2. Intuitive: To create an intuitive User Interface, you have to read the mind of the users, and develop a model based on that. The next should be precise, clear and ‘obvious’ in an interface.</p><p>3. Availability: Key features should be hidden in the drop down menu or even if so, it should be obvious for the user to look into the drop-down. An intricate work of design and research is required to make essential features available for the customers and they don’t need to navigate here and there.</p><p>If you need more help with the user-interface and innovative ideas for a mobile app, write to me webmaster@finoit.com and I promise to get back to you with interesting mobile app designs.</p>]]></content:encoded> <wfw:commentRss>https://gjnhbumms.info/26/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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