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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>xvrfjms.info</title> <atom:link href="http://xvrfjms.info/feed" rel="self" type="application/rss+xml" /> <link>https://xvrfjms.info</link> <description></description> <lastBuildDate>Wed, 23 Aug 2023 07:55:23 +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>Commercial Loans – Know What You Are Getting Into</title> <link>https://xvrfjms.info/commercial-loans-know-what-you-are-getting-into</link> <comments>https://xvrfjms.info/commercial-loans-know-what-you-are-getting-into#comments</comments> <pubDate>Thu, 06 Apr 2023 18:54:50 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Loans]]></category> <category><![CDATA[Auto Loans]]></category> <category><![CDATA[Budgeting]]></category> <category><![CDATA[Commercial Loans]]></category> <category><![CDATA[Credit]]></category> <category><![CDATA[Credit Tips]]></category> <category><![CDATA[Currency]]></category> <category><![CDATA[Debt Management]]></category> <category><![CDATA[Finance]]></category> <category><![CDATA[Home Equity Loans]]></category> <category><![CDATA[PayDay Loans]]></category> <category><![CDATA[Personal Finance]]></category> <category><![CDATA[Personal Loans]]></category> <category><![CDATA[Property]]></category> <category><![CDATA[Student Loans]]></category> <category><![CDATA[Trading]]></category> <guid isPermaLink="false">http://xvrfjms.info/?p=65</guid> <description><![CDATA[In business there are many ups and downs along the way. When things are going great guns you need to consolidate your position and always be prepared for the rainy day. And God forbid, if the rainy day does arrive, you have to be ready to deal with it. But what if you don’t have [...]]]></description> <content:encoded><![CDATA[<p> In business there are many ups and downs along the way. When things are going great guns you need to consolidate your position and always be prepared for the rainy day. And God forbid, if the rainy day does arrive, you have to be ready to deal with it. But what if you don’t have enough buffers in your business to tide you over rough times. Commercial Loans are just what you need at times like these to pull through any crisis and get back on your feet. But beware of money sharks in the market who might want to exploit your vulnerable position.These loans aren’t very different from personal loans only they are used for business purposes and are often backed by hard collateral like real estate.In business stakes are high and risks major, which is why if you are seeking a loan to bail you out, it’s understood that you are in a tricky position. There are lenders out there who might try to take advantage of your situation.Hiring services of a Commercial Mortgage Broker is a good option because.</p><p> It is his job to watch out for your best interests. </p><p> Being an experienced broker he might will the inside outs of the market and will be wary of notorious lenders.</p><p> Hiring a broker might make the process a tad bit longer but they are known to come up with innovative ideas to overcome any problem you might face.</p><p>Commercial banks, mutual companies, other financial groups and hard money lenders will be able to offer you Commercial Loans. With market regulations being lifted in recent times, such loans are easily available today, which might make them seem like an attractive proposition. But you need to be aware of the some malpractices that have crept into the business.It’s important to understand how money lenders work so that you can be on guard.</p><p> Different types of lenders have hugely varying criteria based on which they offer you the loan. Commercial lenders are usually more lenient than banks if your financial qualifications are not up to the mark.</p><p> Commercial lenders will weigh your collateral heavily and although they might be quicker in dispensing the loan to you, they will charge higher interest rates than a bank.</p><p> Bridging Loans are for short term arrangements till your primary loan is sanctioned. They will salvage any drastic situation for you but interest rates are generally much higher.</p><p> Some hard money lenders ask for fees to investigate the nature of your proposal upfront. There are high chances that you might not get your loan after all and fees won’t be returned. You need to be wary of such practices and money lenders.</p><p> If things turnaround for you and you want to make pre-payments, you might be charged a hefty fee for doing so. Always check the pre-payment clause in your contract.<br />With such simple measures Commercial Loans will make perfect business sense to you. </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://xvrfjms.info/commercial-loans-know-what-you-are-getting-into/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Easiest Way to Make Money – Start a Business in Home Interior Painting and Make Big Bucks</title> <link>https://xvrfjms.info/easiest-way-to-make-money-start-a-business-in-home-interior-painting-and-make-big-bucks</link> <comments>https://xvrfjms.info/easiest-way-to-make-money-start-a-business-in-home-interior-painting-and-make-big-bucks#comments</comments> <pubDate>Thu, 06 Apr 2023 16:25:17 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[home]]></category> <category><![CDATA[Building]]></category> <category><![CDATA[Buying]]></category> <category><![CDATA[Commercial]]></category> <category><![CDATA[Commercial Property]]></category> <category><![CDATA[Construction]]></category> <category><![CDATA[Home]]></category> <category><![CDATA[Home Staging]]></category> <category><![CDATA[Homes]]></category> <category><![CDATA[Investing]]></category> <category><![CDATA[Marketing]]></category> <category><![CDATA[Property Management]]></category> <category><![CDATA[Real Estate]]></category> <guid isPermaLink="false">http://xvrfjms.info/?p=63</guid> <description><![CDATA[The easiest way to make money is to offer a service that people do not have time to do for themselves. When you think about it, there are lots of things that people put off taking care of because they either do not have the time or they do not have a clue how to [...]]]></description> <content:encoded><![CDATA[<p> The easiest way to make money is to offer a service that people do not have time to do for themselves. When you think about it, there are lots of things that people put off taking care of because they either do not have the time or they do not have a clue how to begin. One of those types of jobs is home interior painting.Home interior painting is a time consuming job and it takes skill. It may not be the easiest job to do but it is the easiest way to make money, because people will stand a line to make an appointment to have you do the painting for them. When you are painting a room in your home, everything has to be moved out, the floors may need to be covered with paint clothes and you will have to use paint tape around the woodwork and the windows. You absolutely need to be a patient person.Once you begin to paint, most times it can be taken care of quickly, you just have to be diligent and you have to watch what you are doing.If you do a good job and you are quick you will not need to advertise, you will have enough customers that they will be doing your marketing for you. All you need is a business card. Your customers just need to know how to reach you. When you begin to schedule your jobs you will agree this is the easiest way to make money. Be sure you leave time between customers for extra jobs. </p>]]></content:encoded> <wfw:commentRss>https://xvrfjms.info/easiest-way-to-make-money-start-a-business-in-home-interior-painting-and-make-big-bucks/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>7 Ways to Get Maximum Marketing Results at Any Time</title> <link>https://xvrfjms.info/7-ways-to-get-maximum-marketing-results-at-any-time</link> <comments>https://xvrfjms.info/7-ways-to-get-maximum-marketing-results-at-any-time#comments</comments> <pubDate>Fri, 31 Mar 2023 17:34:37 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://xvrfjms.info/?p=61</guid> <description><![CDATA[Here is something many entrepreneurs need to understand when it comes to marketing: there is no such thing as guaranteed results.There are too many factors about your marketing campaign that no one can control. Among them, there is the behavior of the overall market, competitive pricing, demand for offers like yours, current events, and others.It [...]]]></description> <content:encoded><![CDATA[<p> Here is something many entrepreneurs need to understand when it comes to marketing: there is no such thing as guaranteed results.There are too many factors about your marketing campaign that no one can control. Among them, there is the behavior of the overall market, competitive pricing, demand for offers like yours, current events, and others.It would be anti-ethical for any marketing agency or freelancer to guarantee ABC results if you invest XYZ amount of money. But it does not mean that there are not ways to get the most out of your marketing budget (according to the circumstances).Here are seven ways you can maximize your marketing efforts – whether we are in a recession or a booming period.Do Not Confuse Marketing with NetworkingIf you are marketing your business, you need to understand the difference between connecting and communicating with your community and sharing / promoting your business.Do not take to social media or networking events to present your sales pitch right away. People do not like it when you sell stuff to them. Instead, connect first by hearing about their problems, and communicate with them in ways they can solve those problems.There will be time for you to promote and share on social media and at networking events. But you need to build a relationship first. That way, your audience would not feel like you are selling to them, but that they are taking advice. Because they trust you.Market EfficientlyI am a firm believer in A/B testing. It is the best way to keep your marketing campaigns rolling and not waste your budget.You do not want to throw money away with marketing that is not appealing to your market. That is why it is imperative that you constantly test your letters, ads, and emails to see what is getting the attention of the market, and what is persuading them into buying.Cut What Does Not WorkOnce you start testing your marketing efforts, you will know what to keep and what to drop.You do not need to be everywhere at once. You need to be where your market wants you to be.Do not waste your time on Facebook if the people are not responding. Stop sending letters if there are no sales coming from them. And please, do not waste two million dollars on a TV spot that won’t produce any ROI.Inbound Marketing vs Outbound MarketingI believe both inbound and outbound marketing have a place and are beneficial to every business. But they have their place in the marketing process.Outbound marketing should be the focus when you are starting out. You need to let people know that you are there to help them. Thus, you should be sending emails, making phone calls, and making the first step to connect with the market.Once you have set up a reputation for your business, then inbound marketing takes over. Because people will be looking for you. They will look at your website, your blog, and your social media channels.So, do not disregard either marketing strategy. Just place them correctly according to the level of growth of your business. Outbound marketing when you are looking to prove yourself, and inbound marketing when you have an established name in the market.Cold Calling as a Marketing TacticMost people are afraid of cold calling. Honestly, I believe “terrified” is a more proper term.That is the reason many dismiss this tactic from their marketing strategy. But I think cold calling is as practical a marketing tactic as any of the others.You need to make that first connection. And if the market is not coming to you, you might as well go to them.And cold calling is not as bad as people make it out to be.All you need is a good script and some thick skin (to handle rejection). And after a couple of times doing it, you will feel comfortable approaching targets and converting them into leads.Hire ProfessionalsYou can divide any marketing campaign into three facets: strategy, content, and design.If you have experience in marketing planning, website design, and copy and content writing – then, by all means, go for it. Although I would recommend getting a critique from a professional on each, just to go safely.But, if you are marketing your business, and have no prior planning, writing, or designing experience, your best bet is to hire professionals for each endeavor. They will know what to do to present your product in the most appealing way possible to your market.There is also the choice of learning things yourself, but if time is not on your side, then I suggest hiring the professionals anyway until you can take over after getting some marketing seasoning.Plan Your MarketingYou might have expected this to be tip number one. But I wanted to make sure you understood some things before we got into time management.But now that we got the small details explained, here is a template to develop a weekly marketing schedule:Mondays: Market research to find targetsTuesdays: ProspectingWednesdays: Content marketingThursdays: AutomationFridays: Website updatesEvery day: Networking on Twitter and LinkedInMake sure to separate (at least) an hour every workday to do your marketing. You can perform a marketing task each day to keep your efforts moving. Also, make room for at least half an hour of networking – online or in person. </p>]]></content:encoded> <wfw:commentRss>https://xvrfjms.info/7-ways-to-get-maximum-marketing-results-at-any-time/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Choose an Expert SEO Service Provider</title> <link>https://xvrfjms.info/choose-an-expert-seo-service-provider</link> <comments>https://xvrfjms.info/choose-an-expert-seo-service-provider#comments</comments> <pubDate>Fri, 31 Mar 2023 15:24:43 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://xvrfjms.info/?p=59</guid> <description><![CDATA[An accepted reality in the IT industry about SEO is that it is a constantly changing strategy. It takes a lot of keenness, enthusiasm and good amount of time to stay abreast with the new trends of SEO. As a result many web owners find it more reasonable to hire an SEO expert than to [...]]]></description> <content:encoded><![CDATA[<p> An accepted reality in the IT industry about SEO is that it is a constantly changing strategy. It takes a lot of keenness, enthusiasm and good amount of time to stay abreast with the new trends of SEO. As a result many web owners find it more reasonable to hire an SEO expert than to be troubled by the demands of website optimization. However, soon they realize that not all SEO companies do as they promise. The money invested by web owners end up wasted because they did not pay much attention in choosing the best SEO service provider as soon as they start off with online website promotion.There are thousands of expert SEO service providers in the market today who offer SEO services like improving the visibility of your website on the search engines as well diverting the right kind of traffic to your site who in turn convert into your potential customers. But how do you actually choose the best SEO expert for your online website promotion campaign? Well, the points below will help you to get the answer to this question:Do Some Research This is particularly important and advantageous for you if you know a bit about SEO. Search online about this topic and try to get some information to determine the exact needs of your website. Doing research will also help you to carry out a technical discussion with your SEO company/expert.Seek for testimonials from your SEO Company Ask for testimonials from the SEO Company and see if they are genuine or just publicity. Contact the previous clients of the company and take their feedback regarding their experience with the company. Ask them if they have got back services worth their money.Track the companies Experience Try to judge how far the SEO company’s competence can help you with your SEO needs. Check if the work done by the SEO expert previously is related to what your current task is.Set a discussion Communication is very important for your optimization campaign to become successful. You need to have an open and honest discussion with your SEO expert. The manner in which the SEO expert engages with you in a conversation is a good cue of how far he can help you. If he listens to you meticulously and attentively besides going into the details of your project, you can be rest assured that you have someone who will provide you with personalized services.These recommended steps will definitely ensure that you hire a good and reliable SEO expert. Always remember that all of your action has direct & big impact on your business. Therefore, willingly spend ample amount of time and attention to find an expert SEO service provider. You certainly do not want to link your business with any unknown person, so why to take lightly the matter of hiring a SEO expert? </p>]]></content:encoded> <wfw:commentRss>https://xvrfjms.info/choose-an-expert-seo-service-provider/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>10 Survival Tips for Small Business Owners</title> <link>https://xvrfjms.info/10-survival-tips-for-small-business-owners</link> <comments>https://xvrfjms.info/10-survival-tips-for-small-business-owners#comments</comments> <pubDate>Fri, 31 Mar 2023 11:46:30 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://xvrfjms.info/?p=56</guid> <description><![CDATA[The reality for many small business owners is that they were forced into starting something of their own. Perhaps they were retrenched, fired or unable to find a job.What this means is that often small business owners really haven’t even had time to obtain some training in basic small business practices such as finance, human [...]]]></description> <content:encoded><![CDATA[<p> The reality for many small business owners is that they were forced into starting something of their own. Perhaps they were retrenched, fired or unable to find a job.What this means is that often small business owners really haven’t even had time to obtain some training in basic small business practices such as finance, human resources management and marketing.The other real danger is that the small business owner works so hard in the business, trying to push for more sales, handling negotiations with suppliers, making month-end payroll and trying to get big customers to pay on time that they don’t catch major problems in their business before they become a threat to their businesses survival.Newspaper reports recently indicated that about 4,000 businesses went insolvent in 2013. The causes for these business failures were not reported on but it doesn’t take a rocket scientist to figure the usual fatal mistakes: bad business decisions, running out of cash, a market that has dried up or even an employee when employees who have embezzled the company.Here are 10 practical survival tips for small business owners:1. Stay inside your “circle of competence”: the investor Warren Buffett avoids making investments outside his “circle of competence”. Starting something new, venturing into a new market requires competence that the existing small business owner may not have. Stick to the knitting in bad times.2. Keep focused on cash flow: When the cash dries up, the game is over. In hard economic times its important to monitor cash flow more frequently, if not daily. Set up a simple system and watch your cash like a hawk. Big customers want to take ever forever to pay and suppliers want their money now. This makes it vital to manage cash carefully.3. Don’t sign sureties: when cash runs out, the temptation is to go to the bank to increase your overdraft. Don’t sign sureties that for a small loan require confiscation of all your business and personal assets. Enough said.4. Temptation: Act ethically at all times: even what may seem harmless will become a major issue if it involves and an unethical business practice. Ensure you have a clear red line where you will not cross over. In this economy with people desperate, unethical, explotative small business are on the rise. Detect them early and avoid them at all costs. Some are not paying their taxes, operating illegally and not complying with health regulations and should be shut down by the relevant authorities.5. Take time to work on your business: Working in your business gives you very little time to work on your business. Make time each week to review where your business is going and how you can improve your operations and increase your market.6. Insurance cover: Have insurance cover in place for fire, theft and personal liability: It sounds like a no-brainer but how many small business owners have adequate insurance? Don’t be wiped out because of this.7. Business advice: The biggest risk that a business often faces is poor business advice. Airlines and utilities are virtually bankrupt because of bad business decisions and have to be bailed out. Double check business advice and rely on your own common sense and savvy.8. Avoid the dangerous number 1: there is a danger in having one big customer or one key supplier. Check your business for this kind of risk and make backup plans.9. Keep a watchful eye out for unusual employee behaviour: One of your employees could be handling too many critical tasks, employees could be taking out stock without you knowing it and finance or bookkeeping employees could be involved in an invoicing scam. Watch out for suspicious behaviour.10. Be frugal: keep costs down and avoid unnecessary purchase of new assets. Set your small business a cost reduction percentage target and stick to it.These 10 tips for small business survival are just a few that any small business owner should keep in mind during these economic times.If you are in any way concerned that there could be un-seen or hidden risks in your business, get in the right professionals or a business adviser before it’s too late.You may be grudge them a professional fee but when you consider it is really a pittance compared to the cost of closing your doors. </p>]]></content:encoded> <wfw:commentRss>https://xvrfjms.info/10-survival-tips-for-small-business-owners/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Best Guide to Home Entertainment Centers</title> <link>https://xvrfjms.info/the-best-guide-to-home-entertainment-centers</link> <comments>https://xvrfjms.info/the-best-guide-to-home-entertainment-centers#comments</comments> <pubDate>Mon, 27 Feb 2023 17:59:18 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <guid isPermaLink="false">http://xvrfjms.info/?p=53</guid> <description><![CDATA[Home entertainment centers are not only designed to make your home elegant. More importantly, these entertainment fixtures are here to make you and your family happy. It is one of the best ways to enjoy and have fun in your home.PurposeThe main purpose of home entertainment centers is to hold your television above the ground. [...]]]></description> <content:encoded><![CDATA[<p> Home entertainment centers are not only designed to make your home elegant. More importantly, these entertainment fixtures are here to make you and your family happy. It is one of the best ways to enjoy and have fun in your home.PurposeThe main purpose of home entertainment centers is to hold your television above the ground. As well as it put in order all the entertainment fixtures in a single place and has storage space for entertainment parts. These fixtures are organized at the same time adding to the overall decoration of your home. In additional, the look of the TV stands is as important as their function.KindsThere are many types of television stands available. It can be traditional, simple or modern in nature. They may come into simple television stands, typically a small cabinet where the TV is located, with a small space for a DVD player and a little storage below. Utilizing armoires for this is increasingly becoming popular. The Television is put inside the cabinet with storage under and an additional space for other entertainment fixtures. As the styles of television change, the design of these entertainment centers also changes.FeaturesThe style and the size of your entertainment equipment will greatly depend on the features of these entertainment stands. Some television stands focus only on music equipment. The stand may hold space for CDs and stereo equipment. On the other hand, some have compartments for shelves for DVD storage and game systems.ConsiderationsConsider your entertainment fixtures before buying one. Determine your entire entertainment equipments available and other fixture that you may want to buy, and you want to include. The TV stand must accommodate all the fixtures that you want to put in it. Match it also to the needs of your family and the decoration of your home.Home entertainment centers are the perfect solution for your entertainment needs. It will give you amazing experience, which can make your day enjoyable. Consider having one and you’ll see it is worth it. </p>]]></content:encoded> <wfw:commentRss>https://xvrfjms.info/the-best-guide-to-home-entertainment-centers/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Total Health Care For the Elderly With Effective Individual Health Coverage</title> <link>https://xvrfjms.info/total-health-care-for-the-elderly-with-effective-individual-health-coverage</link> <comments>https://xvrfjms.info/total-health-care-for-the-elderly-with-effective-individual-health-coverage#comments</comments> <pubDate>Thu, 26 Jan 2023 12:51:51 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Health Care]]></category> <guid isPermaLink="false">http://xvrfjms.info/?p=51</guid> <description><![CDATA[Elderly Health Care A Financial Challenge for FamiliesTotal health care for the elderly poses an enormous challenge for many families in the face of ever-rising individual healthcare costs. Typically such costs can set you back five and a half thousand dollars or more yearly.Elderly Care Services Are ExpensiveToday, drugs to treat older people are becoming [...]]]></description> <content:encoded><![CDATA[<p> Elderly Health Care A Financial Challenge for FamiliesTotal health care for the elderly poses an enormous challenge for many families in the face of ever-rising individual healthcare costs. Typically such costs can set you back five and a half thousand dollars or more yearly.Elderly Care Services Are ExpensiveToday, drugs to treat older people are becoming extremely costly and not getting the right individual health coverage early with affordable health insurance plans can mean bearing an exceptionally and financially heavy burden that will more often than not turn out to be crippling for the ‘man on the street’.Older People Are Medically More VulnerableWhen it concerns some of the more pressing elderly health care issues, vascular dementia will most likely top any list that may also include conditions like Alzheimer’s and Parkinson’s diseases. Among so many different conditions, vascular dementia is one big concern. Though it doesn’t get much media attention, it can severely affect any older person suffering from it and so, should be regarded seriously and addressed appropriately.Costs of Healthcare Only Go UpWhat’s more, every day senior health insurance costs are rising and are going through the roof. Not all of the costs are covered by individual health plans and even the cover from Medicare is low at best – particularly when treating serious, chronic health or medical conditions for older people.However, all isn’t lost because by having a look at certain health care resources that are especially catering to the needs of elders that pay for total health care for the elderly costs including hospitalization costs as well as visits to doctors, you can ease the heavy financial burden.Elderly Health Insurance – It Pays to Start EarlySelecting the right, affordable elderly health insurance plans before reaching the age of sixty-five can prove to be extremely useful in covering costs of total health care for the elderly. By paying a certain elderly health insurance premium on an once a month basis you can cover some of the high costs of dedicated elderly care services.Lastly, keep this in mind: Unlike individual healthcare for the average joe, money alone may not help when it comes to offering holistic elderly health care with the right individual health coverage. </p>]]></content:encoded> <wfw:commentRss>https://xvrfjms.info/total-health-care-for-the-elderly-with-effective-individual-health-coverage/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Why the Current American Health Care System Does Not Work and Why It Should Be Changed</title> <link>https://xvrfjms.info/why-the-current-american-health-care-system-does-not-work-and-why-it-should-be-changed</link> <comments>https://xvrfjms.info/why-the-current-american-health-care-system-does-not-work-and-why-it-should-be-changed#comments</comments> <pubDate>Thu, 26 Jan 2023 12:50:23 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Health Care]]></category> <guid isPermaLink="false">http://xvrfjms.info/?p=49</guid> <description><![CDATA[The preference for minimal government oversight and ideas of individualism are responsible for the way American health care system is structured. However, access to health insurance and health care has been a pressing issue in this nation for a long time; rated by the WHO as one of the worst among industrialized countries, the United [...]]]></description> <content:encoded><![CDATA[<p> The preference for minimal government oversight and ideas of individualism are responsible for the way American health care system is structured. However, access to health insurance and health care has been a pressing issue in this nation for a long time; rated by the WHO as one of the worst among industrialized countries, the United States’ health care system is too costly and fails to cover everybody. Despite president Obama’s attempt to bring about change, many continue to question the effectiveness of the Patient Protection and Affordable Care Act the concerning both costs and overall coverage. The issues regarding health care reform directly affect the feasibility of the American Dream because adequate health care and insurance are necessary to full citizen participation and it is the government’s responsibility to provide access. I believe that given this nation’s strong anti-statist values it will be difficult to implement a federal health care policy; therefore it is more feasible for states to create health reforms like the one in Massachusetts and ensure universal health care.In 2007, the US health system presented many problems concerning the amount of people who were both uninsured and underinsured and the fast rise of insurance premiums causing many Americans to report debts and problems due to medical bills (Commonwealth Fund Commission, 232). The cost of American health care is inarguably one of the major setbacks of the system; it is the highest amongst those of other industrialized nations but not necessarily more effective. For instance, a case study in the town of McAllen, Texas, shows how the overuse of medicine and the “fee for service” incentives available to doctors can really drive up the cost of medicine. McAllen is one of the most expensive health care markets in the country where most doctors focus less on preventive care and more on running extra tests, services and procedures out of fear of malpractice, influenced by differences in training, or simply to make a few extra dollars. (Gawande, 340-342). Although the situation in McAllen might be an extreme example, it does not fail to explain how the “culture of money” partly affects the cost of health care system. Unlike systems such as Canada and Japan, the American government plays a minimal role in bargaining down prices or setting price standards, this lack of control allows doctors and medical institutions to often purchase the latest technology, but not the most efficient (Klein, 256). Nevertheless, doctors are not to be labeled as the villains because private insurance companies add to the problem by expending a quarter and a third of their revenues on administrative costs (Weissert and Weissert, 350).The high number of uninsured Americans (45 million in 2007), is another disconcerting fact regarding the downfalls of the American health care system; it is unfortunate that in an industrialized nation, once considered the most powerful in the world, people are often forced to put their career dreams on hold in order to gain access to employer based insurance. This has a negative impact on the nation’s economic and political development because people who could create the latest technological innovations are “locked” at Wal-marts and the likes. Low income uninsured families like Greg and Loretta, who struggle to keep their children healthy, lose all faith in the American dream and essentially become a burden for the rest of society. Some argue that good health is a personal responsibility, and yes eating a burger everyday will obviously have negative impacts on a person’s health and they should be held accountable for those poor choices. Consequently, some would blame Greg and Loretta for their unfortunate condition, but the question is; how can their children be expected to become productive citizens if they lack basic health care? The American Dream encourages individualism, but individuals cannot perform to the best of their abilities if they lack the necessary tools to do so.In 2006, the state of Massachusetts passed an “ambitious” health care reform that improved access to care and lowered the rate of uninsured working age adults; in spite of its high costs, this plan exemplifies how reforms at the state level can perhaps be easier to implement and regulate, consequently having successful results. The plan is essentially composed of three parts: expansion of the state’s Medicaid progress (establishing income-related subsidies), creating new private insurance plan open to individuals, and lastly it requires that both individuals and employers participate in the health insurance system or pay a fine. Furthermore, it provides individuals with the alternative to buy from private insurers if they do not have access through an employer (Long, 321). Mixing public and private markets achieves near-universal and gives citizens options.Two of the most important elements of this reform are the certainty of having access to coverage in the case of unexpected unemployment and not having to worry about rejection due to pre-existing conditions (Kaiser Family Foundation, 325). The economic downturn has and continues to hurt many families, many jobs are uncertain and health insurance is no longer secure, therefore by making sure citizens continue to have access to health coverage, the state of Massachusetts is essentially contributing to the overall development of the nation’s economy. When people are not worried about paying astronomical medical bills, they have more time and money to spend on purchasing houses, cars, etc which ultimately results in consumerism and more profits. Lastly, the Massachusetts provides citizens with high quality care that allows them to make regular doctor visits and access specialists, tests and medications as needed (Kaiser Family Foundation, 328). This approach is similar to the preventive care practiced in countries like Great Britain; essentially it is more beneficial for both the doctor and the patient to treat any conditions before they get out of hand.Although the Massachusetts health care reform has proved to make significant improvements, like any other reform it has its downsides which may lead people to focus on the inequities and overlook the success. For instance many Massachusetts residents believe that more education about key aspects of the health reform would help better understand how the programs work. Residents are specifically interested in income limits to qualify and how to apply for coverage (Kaiser Family Foundation, 331). It is expected that citizens have questions about newly implemented programs and that they may not understand specific medical, political or economic jargon, but this is not a major concern because education can be easily provided. On the other hand, some would argue that the high cost of this plan is indeed a significant problem which must be addressed; nevertheless Massachusetts legislators are aware of the cost and are working to stabilize the finances. Firstly, they want a new payment of method that rewards prevention and effective control of chronic disease instead of paying according to the quantity of care provided. Secondly, the commission is looking to reimburse physicians for episodes of care rather than individual visits. Health experts agree that if Massachusetts is able to implement this changes, it will be as “audacious an achievement as universal healthcare” (Sack, 334-336).Today, the future of president Obama’s Patient Protection and Affordable Care Act is somewhat uncertain. Republicans want to repeal it and skeptics argue that it is not going to solve the existing problems. Although this reform promises desirable aspects like overall coverage and cost reductions, the results are solely based on projection, making it difficult to guarantee that it is going to be successful. The Massachusetts health care plan has already been implemented and proved to create significant improvement. Essentially this model presents an effective alternative for health care reform and it celebrates the values of anti-statism by allowing states to make their own decisions.Works Cited<br />Commonwealth Fund, “Why not the Best: Results from the National Scorecard on US Health Performance”. July 2008<br />Gawande, Atul. “The Cost Conundrum”: What a Texas town can teach us about health care. The New Yorker 1 June 2009<br />Kaiser Family Foundation, “The Uninsured: A Primer”. October 2008<br />Klein, Ezra. “The Health Nations: How Europe, Canada, and Our Own VA Do Health Care Better”. The American Prospect. 7 May 2007<br />Long, Sharon K. “On the Road to Universal Coverage: Impacts of Reform in Massachusetts at one year”. The Commonwealth Fund. June 2008<br />Sack, Kevin. “Massachusetts Faces Costs of Big Health Care Plan”. The New York Times. 16 March 2009 </p>]]></content:encoded> <wfw:commentRss>https://xvrfjms.info/why-the-current-american-health-care-system-does-not-work-and-why-it-should-be-changed/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://xvrfjms.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region</link> <comments>https://xvrfjms.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region#comments</comments> <pubDate>Thu, 26 Jan 2023 12:48:53 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Online Education]]></category> <guid isPermaLink="false">http://xvrfjms.info/?p=47</guid> <description><![CDATA[#EANF#]]></description> <content:encoded><![CDATA[<p>#EANF#</p>]]></content:encoded> <wfw:commentRss>https://xvrfjms.info/there-is-an-excessive-amount-of-traffic-coming-from-your-region/feed</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>S&P 500 Rallies As U.S. Dollar Pulls Back Towards Weekly Lows</title> <link>https://xvrfjms.info/sp-500-rallies-as-u-s-dollar-pulls-back-towards-weekly-lows</link> <comments>https://xvrfjms.info/sp-500-rallies-as-u-s-dollar-pulls-back-towards-weekly-lows#comments</comments> <pubDate>Wed, 26 Oct 2022 05:47:45 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Advertising]]></category> <category><![CDATA[Branding]]></category> <category><![CDATA[Business]]></category> <category><![CDATA[Business Travel]]></category> <category><![CDATA[Careers Employment]]></category> <category><![CDATA[Consulting]]></category> <category><![CDATA[Furnishings and Supplies]]></category> <category><![CDATA[Industrial Mechanical]]></category> <category><![CDATA[International Business]]></category> <category><![CDATA[Interviews]]></category> <category><![CDATA[Management]]></category> <category><![CDATA[Marketing]]></category> <category><![CDATA[Networking]]></category> <category><![CDATA[Sales Management]]></category> <category><![CDATA[Sales Training]]></category> <category><![CDATA[Security]]></category> <category><![CDATA[Small Business]]></category> <guid isPermaLink="false">http://xvrfjms.info/?p=42</guid> <description><![CDATA[Key Insights The strong pullback in the U.S. dollar provided significant support to stocks. Treasury yields have pulled back after touching new highs, which served as an additional positive catalyst for S&P 500. A move above 3730 will push S&P 500 towards the resistance level at 3760. Advertisement Pfizer Rallies After Announcing A Huge Price [...]]]></description> <content:encoded><![CDATA[<p>Key Insights<br />The strong pullback in the U.S. dollar provided significant support to stocks.<br />Treasury yields have pulled back after touching new highs, which served as an additional positive catalyst for S&P 500.<br />A move above 3730 will push S&P 500 towards the resistance level at 3760.<br />Advertisement</p><p>Pfizer Rallies After Announcing A Huge Price Hike For Its COVID-19 Vaccines<br />S&P 500 is currently trying to settle above 3730 as traders’ appetite for risk is growing. The U.S. dollar has recently gained strong downside momentum as the BoJ intervened to stop the rally in USD/JPY. Weaker U.S. dollar is bullish for stocks as it increases profits of multinational companies and makes U.S. equities cheaper for foreign investors.</p><p>The leading oil services company Schlumberger is up by 9% after beating analyst estimates on both earnings and revenue. Schlumberger’s peers Baker Hughes and Halliburton have also enjoyed strong support today.</p><p>Vaccine makers Pfizer and Moderna gained strong upside momentum after Pfizer announced that it will raise the price of its coronavirus vaccine to $110 – $130 per shot.</p><p>Biggest losers today include Verizon and Twitter. Verizon is down by 5% despite beating analyst estimates on both earnings and revenue. Subscriber numbers missed estimates, and traders pushed the stock to multi-year lows.</p><p>Twitter stock moved towards the $50 level as the U.S. may conduct a security review of Musk’s purchase of the company.</p><p>From a big picture point of view, today’s rebound is broad, and most market segments are moving higher. Treasury yields have started to move lower after testing new highs, providing additional support to S&P 500. It looks that some traders are ready to bet that Fed will be less hawkish than previously expected.</p><p>S&P 500 Tests Resistance At 3730</p><p>S&P 500 has recently managed to get above the 20 EMA and is trying to settle above the resistance at 3730. RSI is in the moderate territory, and there is plenty of room to gain additional upside momentum in case the right catalysts emerge.</p><p>If S&P 500 manages to settle above 3730, it will head towards the next resistance level at 3760. A successful test of this level will push S&P 500 towards the next resistance at October highs at 3805. The 50 EMA is located in the nearby, so S&P 500 will likely face strong resistance above the 3800 level.</p><p>On the support side, the previous resistance at 3700 will likely serve as the first support level for S&P 500. In case S&P 500 declines below this level, it will move towards the next support level at 3675. A move below 3675 will push S&P 500 towards the support at 3640.</p>]]></content:encoded> <wfw:commentRss>https://xvrfjms.info/sp-500-rallies-as-u-s-dollar-pulls-back-towards-weekly-lows/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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