Organize Health Records For Successful Health Care Encounters

Having complete and accurate information about your own health will allow you to 1) increase participation in your own care, 2) gain insight into your condition and 3) strengthen communication with your health care team.Increase Participation in CareTaking an active role in your own medical care may be one of the most important decisions of your life. You will become an active member of your health care team by keeping accurate health records. The ability to “collect and share” this information-rich data with your provider will improve the quality of care that you receive.Research suggests that patients who take a more active role in visits with their physician may have a greater sense of control and better health outcomes. Once you begin this process you will discover increased empowerment through your ability to organize health records.Gain Insight into Your ConditionHaving organized health records becomes a personal health management tool. As you collect information you will become more informed about your condition and treatment options. Additional information provided by your treatment team will also show you how to manage your condition more effectively.Your personal health record can also be a real life saver as you learn to spot important trends in your medical condition. Keeping accurate health records will help you understand your condition more clearly and at a deeper level.Strengthen Communication with Health Care TeamGood communication with your health care team is the cornerstone of quality health care. You can increase and strengthen the level of communication by having up to date health information to share with all of your providers. Remember, more information equals more informed decisions.Better health status has been linked to more effective information gathering by patients and more communication with their physician. Take time today to organize health records for a much better health care experience.

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Commercial Mortgages – Four Important Strategies for Small Business Borrowers

What are the most important qualities to look for in small business commercial mortgages? This article describes four such qualities. But if a commercial borrower can’t find all of the commercial mortgage qualities that are considered most important, then which qualities should be viewed as the most critical? The answer to the latter question will often depend on the borrower’s unique individual circumstances. For some borrowers there may only be one or two critical qualities that will be essential to the success of their loan. For example, if a commercial borrower needs to refinance a business property and get $1 million in cash to do with as they choose, the ability to get unrestricted cash out will probably supersede the four loan strategies addressed below.Aside from special situations like that, the following advice about four important strategies is based on commercial mortgage qualities considered to be repeatedly critical to the long-term success of a business. There is no attempt to rank these four commercial mortgage strategies in any particular order.ONE:Commercial mortgage borrowers should seek out long-term commercial mortgage loans that are not subject to recall or balloon payments. Commercial properties should not be financed with short-term funds. It is essential to obtain long-term financing of at least 15-20 years (and longer is even better). This is a prime example of using contingency planning to help commercial borrowers adapt to unknown future circumstances. Commercial borrowers should expect to encounter higher interest rates for longer-term financing (when compared to short-term traditional bank loans). However, most commercial borrowers will be pleasantly surprised when they see lower monthly payments in spite of a higher rate. The resulting improvement in positive cash flow can be the critical difference that creates a truly successful business investment.TWO:Commercial real estate loans under one million dollars should be assumable. This strategy is primarily about flexibility and providing for a more orderly transfer of a business to someone else in the future. It is also an example of using contingency planning to select a commercial lender by anticipating future circumstances and selecting a commercial real estate loan that will help a commercial borrower adapt to those circumstances.THREE:Seller seconds and other variations of subordinate financing should be allowed. This will permit the most aggressive Combined-Loan-to-Value (CLTV) for commercial mortgages, up to 95% of the property value. This is important if you are the buyer because it will provide another financial tool to help with financing. It is important to the seller because it might enable someone to buy the property who could not otherwise do so.FOUR:Commercial mortgage borrowers should seek out lenders using Stated Income commercial loans and limited documentation requirements. Very few traditional banks use Stated Income (no income verification and no tax returns) for a commercial real estate loan. Most commercial lenders will perform a thorough income verification as part of their underwriting process. This will typically include copies of tax returns as well as a requirement to sign IRS Form 4506 which authorizes the lender to obtain tax returns directly from the IRS. Many traditional banks will have loan covenants stipulating that the lender must receive financial data even after the loan closing and that the loan can be recalled if the audit of this data is not satisfactory to the lender.Copyright 2005-2006 AEX Commercial Financing Group, LLC. All Rights Reserved.

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Alarm System Stay Mode

All security systems are fundamentally the same in their basic operation so the commonly asked questions are always similar. The following is a list of the most asked questions about home security systems.How does my home alarm system work?There are three modes of operation of any home alarm system. They are disarmed, armed away and armed in stay mode. In the disarmed mode the only functions that work will be panic alarms, medical alarms and the fire alarms. These functions will work the same in any of the typical modes of operation. These are termed as 24 hour type of alarms. They can always be triggered manually from the control panel or from a remote location such as a key fob if your system has been setup to have one. If your home alarm system is disarmed then you will still see the announcement of doors or windows that are opened. This may be by an audible announcement at the control panel or a zone light that will also light at the alarm panel.Stay Mode OperationWhen your home alarm is in the stay mode of operation it means exactly how it sounds. You are staying home and this means that any of your inside devices such as motion detectors are shut off. They will still detect movement but they will not trigger your alarm. This way you can move about your home and still have the perimeter protected.Disadvantages of using Stay ModeYou must be careful when you use this mode because it is assumed by many that they are safe and secure at night when they retire to bed and this is not the case. In many systems the home owner has been convinced when they purchased the system that all they needed was the free system that has a front door, back door and an inside motion sensor. If this is the type of coverage that your system has then you are not protected when your system is in stay mode. You see in order for you to be able to move around your own home the inside motion in most cases has been disabled by being armed in stay mode. If you go to bed when the system is still in stay mode then you no longer have the protection of the motion sensor. The only way to overcome this is to have the control panel located somewhere in your home where you will not trip the system when you get up in the morning to disarm it. When using the system in this way you can arm the system in away mode while you are still at home and keep the inside motion sensor on while you are asleep.Away Mode OperationWhen you have set your alarm in away mode it means that all of your zones are armed and if any of them are violated your alarm will trigger. The entry/exit door is usually set with a delay so that you are able to enter the home and disarm the system before it transmits an alarm to the central station monitoring company.If your alarm is triggered a signal is transmitted to the central monitoring station. This signal is received and the monitoring station knows exactly where the alarm was transmitted from and what zone is in alarm. The monitoring station will call you at the number that you provided to confirm an actual alarm. You will have the opportunity at that point if they reach you to cancel the alarm or the police will be dispatched.These are the basic three modes of operation. There are many other functions that you can perform with your alarm system such as disarming individual alarms. Your alarm installer has a variety of choices that can be made when they are programming your system. Many of these installers will program the system without consulting with you about the operation. Your system will still operate but depending on your particular lifestyle there may be some fine tuning that will better suit you.

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