Jan
18
2017

Some Advantages Of A Nursing Career

A nursing career can be very rewarding. There are some definite advantages of choosing this particular career path. If you decide that this is the option to you than the first step to take will be to look at the requirements for the state in which you live. A general associates or bachelors degree will most likely be sufficient, but for certain specialties a more advanced degree may be necessary.

The different shift patterns that you will follow working as a nurse will certainly give you a lot of flexibility within the role. You will not be working a standard 9-to-5 because health care is something that is required at all times of the day and night. This means that you can really work shifts around your personal lifestyle and will have much more flexibility with the hours that you operate.

Of course, another of the major benefits associated with a nursing career is the fact that you will always have job security. Nurses are always going to be required, the matter what the state of the economy is in. While other parts of the workforce may become constricted, nurses are always going to be needed and therefore you should always be able to find work.

Most jobs within this field also come with a decent pay and benefits package. The pay is sufficient for any nurse to live a comfortable lifestyle and at the same time benefits will include a retirement plan, health insurance and other insurance coverage, and paid vacations.

Of course, one of the most obvious reasons for anyone to pursue this career path is because you will be helping people. Nurses generally have a maternal instinct and an instinct to help people, especially those in distress. Helping people get through their health problems certainly adds value to your own life.

Furthermore, if you have a passion for travel and you would like to experience some different places, cultures, and people, then you could become a travel nurse. As a travel nurse you will work different assignments in different areas around the country and the world, and there will be opportunities available in any specialty.

All in all, a nursing career provides a great deal of advantage and benefit to anyone who displays an unselfish nature. If you want to help people and, as a side product, get paid well for doing so, becoming a nurse would certainly be a good career choice.

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Jan
18
2017

Low Interest Personal Loans – Unsecured?

Low-interest personal loans, also known as signature loans, can often be quite difficult to qualify for. Low-interest personal loans are granted to the borrower without the lender enjoying the benefit of collateral which is why they are often called unsecured loans. It is for this reason that borrowers will find that lenders’ guidelines for such loans are often significantly more stringent.

Since no collateral is offered, as opposed to a home equity or auto loans, the lender’s only recourse in the event of default is to file a lawsuit. While it is certainly within reason that the lender could be awarded some personal property or wage garnishment as a result of a lawsuit, this is generally not the case.

In jurisdictions where wage garnishments are permitted, they are generally reserved for cases involving child support payments. As lenders find themselves financially exposed with low-interest personal loans, they will often require that the borrower has a requisite level of financial stability and credit in order to consider granting them.

The underwriting guidelines as regards low-interest personal loans will vary from lending institution to lending institution. In the case where there is a pre-existing personal relationship between the lending institution and the potential borrower, the qualification criteria will often be quite a bit more lenient.

While this is often the case, the lending institution is certainly under no obligation to make any exceptions as regards their guidelines. The parameters that lending institutions will use in order to determine whether a borrower is qualified for a low-interest personal loan are solid financial assets, job longevity, good credit rating and a low debt to income ratio.

The size of the personal loan that most lending institutions are willing to offer are often limited, sometimes to as low as $5,000. While some may offer more, it is important to remember that low-interest personal loans are often quite difficult to receive approval for. In the case of a potential borrower with less than perfect credit, they will find that the opportunity for them to receive approval for a low-interest personal loan is limited to say the least.

The situation is necessarily as dire as one might believe for borrowers seeking a loan with less than perfect credit. There are countless finance companies that specialize in smaller loans for just such borrowers. While borrowers may succeed in obtaining a loan through these finance companies, they will find that the interest rates that they are offered are often as much as 10% above market interest rates and can be paid off over a one to two year period. It is highly recommended that borrowers do their due diligence as regards researching their available alternatives.

There is another option for borrowers with poor credit, cash advance loans. Cash advance loans are also know as fast cash and payday loans; they require no credit check and, as such, the borrowers credit history is of no consequence. Cash advance loans are high-risk and, subsequently, have high interest rates and are designed to help borrowers solve immediate cash-flow problems.

It is important to remember that there are financial institutions that are more flexible than others and more open to work with a borrowers of all credit ratings. In certain cases, borrowers with poor credit may find that they can obtain a loan for up to $20,000. Of course, unsecured personal loans are obtainable by almost everyone for virtually any situation.

While unsecured loans with low-interest are not easy to come by, there are alternatives available for borrowers with a less than stable financial standing. Again, with some research and by learning what is available, one should be able to find loan package that meets their needs.

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Jan
18
2017

Medical And Dental Treatment And Coverage In Oaxaca, Mexico

When I first gave up the practice of law in Toronto in favor of early retirement in Oaxaca, I assumed that the years I would add to my life by leading a much more stress-free existence in Mexico, would be lost by the inferior health care system to which I would be exposed, subjected and restricted. This, then, is my assessment of the extent to which my presuppositions have been accurate, together with information and advice for both vacationers to and would-be ex-patriot residents of Oaxaca.

Aside from the small, private hospitals, often referred to as clĂ­nicas, there are four publicly funded and insurance – based hospitals in the city, as well as a hospital just outside of the city offering specialized treatment for a number of serious ailments. There is the Red Cross facility available to all, often used for emergency treatment only. The civic hospital provides free services or treatment at a modest cost based on a sliding scale respecting means. ISSSTE is a federally funded facility restricted to government employees who are members of a union. Finally, there is IMSS, a federal insurance program available to ex-pat residents and Mexican citizens alike, with an extensive network of clinic doctors and a large hospital. It’s funding is provided in large part by business owners. Aside from these hospitals, there are several, small, easily accessed clinics scattered throughout suburban and rural neighborhoods.

For the vacationer, and the ex-pat with a VISA permitting residency in the country, the most common means by which to obtain emergency treatment is through Red Cross, IMSS (which accepts patients without coverage on a pay-per-service basis) or a private hospital. However, the last of these three is the only one in which you can be reasonably reassured of being attended in a timely fashion by extremely competent and efficient personnel.

WHAT TO DO AS A VACATIONER

If you do not have out-of-country healthcare coverage, by all means go out and buy it before leaving for your trip. However, it’s advisable to first inquire of your credit card company, to ascertain if in fact you already have at least some coverage simply by virtue of, for example, having a gold or platinum card. You can then make a more informed decision concerned whether or not to purchase coverage, and if so at what level. On the other hand, a broken leg, gastrointestinal problem or other non-life threatening ailment can be attended by a private doctor or clinic without breaking the bank. Of course for an outlay of more than $100, it’s nice to be reimbursed.

If you intend to make a claim to your private carrier, credit card company or government funded health care plan, ensure that you not only keep all receipts, but request a written diagnosis and treatment plan, and that the prescriptions you are given indicate for what purpose each medicine is being prescribed (i.e. antibiotic, analgesic, etc.). Many doctors provide all required information simply as a matter of course. Accepted practice, at least except for when narcotic medications are being prescribed, is for the pharmacy to return prescription forms to you. Often medical plans require translations of each document that is presented to them as a prerequisite for processing and reimbursement. When in doubt, submit all documentation with your claim, making sure to determine if originals are required, and keep copies. Frequently, as is the case with Ontario, it’s a two step process. Treatment receipts and diagnosis is submitted to the provincial plan. Once you’re notified of the portion not covered, prescription receipts together with a request for reimbursement for the amount not covered by the province, is submitted to one’s private plan. In theory, between the two plans, 100% reimbursement is achieved.

You can ask the manager of your hotel or bed and breakfast to do you a favor by translating each of your supporting documents, to save you the trouble upon your return home. Make a note of the then prevailing rate of exchange, and submit a calculation to your plan with your documentation, to more easily facilitate payment. When a member of a clerical staff is processing your claim, he’ll be less inclined to put yours aside for another day or week if it already contains all the necessary and relevant data, organized in a readable format.

Concerning where to go in the event of illness or emergency, your accommodations host should be able to make recommendations for English speaking physicians with private practices, and for private clinics. Regarding competency of the former, while there is a medical school in Oaxaca, many doctors travel out-of-state for their post-graduate training such as to universities in Mexico City or the US, and regularly attend conferences and upgrading courses. Some travel abroad within the context of their specialization training. Indeed the Oaxacan populace appears to take notice of and prefer those physicians who are able to display foreign diplomas.

Our personal experience with emergency treatment over the past 10 years has been nothing but positive for ourselves, our family and our guests, at hospitals Carmen and Molina, both downtown … in terms of competence, speed with which one is attended, and the presence of English speaking ER doctors. On the other hand, we cannot recommend the emergency departments at the civic hospital or IMSS because of delays in receiving treatment, and at minimum in the case of IMSS unavailability of competent medical personnel 24 hours a day to attend to even a commonplace emergency (i.e. suturing). Having said this, many excellent surgeons with private practices perform surgery at the non-private hospitals where there tends to be the more state-of-the-art and sophisticated equipment.

The normal range in price for a consultation with a family doctor, specialist or dentist, is $20 – $50 (all figures are stated in US dollars and are approximate for 2008 unless stated otherwise).

PURELY ELECTIVE AND COSMETIC PROCEDURES

Over the past several years Oaxaca has become a popular destination for Americans and Canadians seeking both plastic surgery and extensive dental work. Word has spread of the competence and quality of work of both nip-and-tuck and dental surgeons, and of course of their extremely reasonable charges relative to those paid to hometown practitioners. Many foreigners, as well as Mexicans from Mexico City and other regions of the country come to Oaxaca for face lifts, breast reductions and augmentations, liposuction and other appearance enhancing procedures. A friend who attended for plastic surgery in Oaxaca by a well-known plastic surgeon a couple of years ago, recently commented that she had read an article in a Canadian magazine indicating the cost for the same procedure which she had performed for $500, was $3500 – $5000 at home. In effect she had a free trip to Oaxaca, and returned home with extra money in her pocket.

Our personal experience with dental treatment has been extremely positive. Cost tends to be about a third to a half of American and Canadian prices, for example for crowns and bridges, implants, root canals, gum and bone work, etc. While the use of nitrous oxide (laughing gas) has not yet arrived in most Mexican cities, a dentist with a gentle touch can more than make up for that lack of temporary high while in the chair.

RESOLVING THE EX-PAT CONUNDRUM

Get whatever coverage is made available to you both in your homeland and in Mexico, subject of course to affordability.

To my thinking, with IMSS coverage costing under $400 annually for a couple, why not go for it regardless of what other coverage you already have. Then supplement IMSS with international coverage for catastrophic injuries unless you have other similar insurance from another source. Our Oaxacan friends tend to disagree, but theirs is a different mindset where insurance in general has historically not been stressed or valued, be it home, car or health.

Some American acquaintances
swear by IMSS since it provides regular care including preventive procedures, all dispensed by government employed physicians including specialists, together with lab tests, medication and hospitalization. There are restrictions the first year of enrolment, and there are caveats. The level of cleanliness in the clinic environment tends to be below the standard to which most of us have become accustomed growing up in the US and Canada. Many physicians have not received the quality of medical education of their private counterparts. The medications provided through the clinic pharmacy are often not the best available in the marketplace for treatment of a particular ailment, because of cost. Often the wait to see your designated doctor or for your lab tests can be long, requiring a half day commitment for each step in the process: visiting a general physician, going for one set of tests, then for another, and finally seeing a specialist.

So why bother with IMSS at all, with all these downsides? It’s a failsafe, another form of assurance that you’ll be cared for in the event of a lengthy and serious illness. As suggested earlier, often it’s the largest hospitals such as IMSS which have the best equipment, and surgeons with private practices who perform some of the surgeries. And there is no additional cost for hospitalization once you have full IMSS coverage. While attending a private clinic is more akin to your experiences before moving to Mexico, if you must remain in hospital for a lengthy period of time, the cost of doing so in a clinic could be prohibitive…just like back home.

Visiting private physicians, and even biting the bullet and getting your tests done at privately owned laboratories, reasonably assures you of a familiar quality of care. Coupled with IMSS coverage, you can now be confident that you’re covered in almost all respects. In the event of a protracted hospital stay you can afford to be there for as long as necessary. The best locally available equipment will be used in your diagnosis and treatment, and you have a reasonable likelihood that attending surgeons are those who split their time between private practice and clinic work, and performing procedures in one or more large hospitals.

We maintain IMSS coverage, but rarely use it, preferring to tap our Oaxacan social networks for referrals to specialists to the extent they are required. And in any event, after having been resident in Oaxaca for a few years, those of us who are in our fifties or older have already been introduced to a broad range of specialists. As strange as it still is to be a Canadian and subscribe to the pay-as-you-play philosophy of medical care, it serves our purposes, with the IMSS safety net just in case.

Under certain circumstances you may not want to rely on even the best Oaxaca has to offer. Indeed the stream of Oaxacans traveling to Mexico City flows briskly and wide. The middle and upper classes with contacts in the nation’s capital, there quickly seek out the best in terms of physicians and state-of-the-art equipment, for diagnosis and for treatment of life-threatening diseases.

Even doctors working in Oaxaca at the IMSS and ISSSTE hospitals can make arrangements for patients to receive treatment not available here, to be attended in Mexico City or other larger centers. However, the process can be slow. We know of one case, that of a two-month-old baby with heart problems, who was finally sent to Puebla for surgery at ISSSTE, only to die before the procedure could be performed.

The solution, unless you have quality foreign coverage perhaps as part of your retirement pension plan, is to buy insurance which will pay for treatment in Mexico City, or better yet throughout the world as long as you can make your way to one of the participating top-of-the-line hospitals. In my case, I have a low annual premium, with high deductible which is waived in the event of accident. Again, it’s a failsafe mechanism in the event of, for example, a serious car accident, or cancer, stroke, heart attack, or other catastrophic ailment which would otherwise not be affordable. Oaxaca has less than the best of diagnostic equipment and treatment facilities. My plan provides for a $10,000 deductible, $2,000 annual premium, with member private hospitals in Oaxaca, Mexico City and elsewhere in the republic, and of course abroad including the US, with the Mayo Clinic in Rochester being a participant.

In summary, my medical coverage and plan for treatment is the following. We have our regular family physician, who, along with our Oaxacan friends, refers us to specialists in which we have the utmost confidence, and to whom we pay per visit. The same holds true for dental treatment. We have IMSS coverage which we reluctantly (because we don’t use it) renew on an annual basis, but believe it’s worth the price in the event we need extended hospitalization, or to have surgical procedures performed not available in private clinics. And I have my catastrophic coverage which hopefully I’ll never need to access.

Medical care and coverage can be inexpensive, and just as easily it can be costly. It’s a matter of the individual or family having a philosophy, or set of priorities, before electing to move to Oaxaca. You have to determine how you want to lead your life in terms of balancing having less disposable income as a result of medical and insurance costs, with having greater peace of mind in knowing that whatever is thrown your way will be looked after as best possible given your new life in a foreign land. If you cannot achieve a level of comfort in the resolution of these issues and decisions, then perhaps the move is not for you.

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Jan
17
2017

Where Payday Loans Spending Are No Way, Jose

You will not be questioned as to purpose and plan when you avail of payday loans. You can use it for whatever you want, however way you want, whoever you want, and whenever you want. You only need to pay your debt on time.

However, there are certain things that you will be well advised not to spend payday loans on. You will get into trouble with your self, your family, your society and with your government if you do decide to splurge on these activities.

Illegal Drugs

Fast fact: In Canada, the annual economic costs of the trade in illegal drugs exceed $5 billion that includes health care for drug addicts, lost work productivity, criminal offenses and law enforcement.

When you spend your payday loans on illegal drugs, you are contributing to this humungous amount that could be better used for other government projects like education. Closer to your pockets, you will be spending more than $40,000 annually to support your drug habit, which should be enough to finance your education for the same year!

More than the financial costs to society and to your wallet, you are subjecting yourself and your family to emotional and physical costs that cannot be quantified as easily as economic costs to society.

Consider these: broken relationships, domestic abuse, arrests and jail time for crimes committed to feed your habit, lost job opportunities, infectious diseases including sexually transmitted ones, and other physical ailments.

Gambling

Fast fact: Spouses and children of compulsive gamblers suffer abuses at the hands of their husbands/wives and fathers/mothers. Also, research studies always point to children of compulsive gamblers showing higher rates for pathological gambling, tobacco, alcohol and drug use and overeating.

When you decide to gamble your payday loans in casinos, sweepstakes, lotteries, and online betting, you likewise decide to expose your spouse and children to abuse, neglect, addictions of every kind, and even prostitution. What might be a harmless one-time bet today can turn into a harmful full-time occupation tomorrow.

Soliciting for Sex

Fast fact: In Canada, prostitution per se is not prohibited by law as a crime. However, you will run into many criminal laws that make activities related to prostitution, including solicitations for sex, criminal and therefore punishable.

Let us count some of the ways you can be punished for soliciting sex with your payday loans:

- Mere communication about purchasing and actually buying the sexual services of an individual under the age of 18 – six months jail time
- Attempting to and/or conducting the purchase of sex in a public place even if the individual in question is over 18 years of age
- Performing sexual acts in public places even if it is inside your parked car
- Allowing to operate, actually operating and working in a bawdy-house and even offering someone for a visit to a bawdy house are punishable by law

And need you be reminded of the dangers of prostitution to your physical and mental health? Consider these: sexually transmitted diseases like HIV and AIDS, sex addictions and broken marriages.

Indeed, you availed of payday loans to cover emergencies – births and deaths, dates and weddings, health and hearth, medical and bills exigencies, to name a few. You definitely want to solve your financial problems with cash advances, not to aggravate your financial condition!

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Jan
16
2017

The Good Things About Travel Nursing

If you have been given the chance and have passed the qualifications of one full year, a career in travel nursing might be in the works for you. This career path may add a whole new exciting chapter in your life and in the life of your husband or wife or your partner in life. This will also give you the chance to go to a different place and get paid for doing your profession as a nurse. The best thing about it is that more often than not your board and lodging will be paid for and you will be provided with travel insurance. Now how do you define travel nursing?

There are countries around the world that are starting to feel the shortage of nurses. This includes some first world countries. According to a United States government study, by the year twenty-twenty, the nursing field in the nation may come up short of about one-million nurses because the rise in the demand for this career is far lower than the number of people choosing to pursue a career in nursing.

The interesting thing about this scenario is that the financial aspect is not the biggest reason for this. The main reason why nurses jump onto the bandwagon is that they are not satisfied the working environment and policies found here. Another first world country that is experiencing this major problem is Australia. But the Australians have different reasons for this shortage. These reasons are the absence of care for children and superiors that are not very appreciative.

Your options
The good thing about this new career is that the person applying as a travelling nurse is in total control where he or she wishes to work and he or she can dictate the length of his or her tenure. If your choice is to work within a big city, then it is best for you to ask for a placement in any of the big city hospitals like the \ones in New York City or Los Angeles. But if you are well experienced in working in a rural setting then it might be best for you to look for a placement in a similar setting nut in a different area. At first, the lengths of contracts given to travelling nurses are on a short term basis. In the United States of America it usually lasts from one to three months. This allows you the chance to move to another place quickly as soon as your contract expires or if not, you have the option to go back to your original area of work. Another option is that you could entertain the thought of asking for an extension of your contract.

Travel nursing also allows the nurse concerned the option to bring along his or her partner or spouse to where he or she will work. There are some establishments in other countries that offer board and lodging available for couples. But if you want to set out as a travelling nurse alone, you will be offered the option to board and lodge with other fellow travelling nurses which should give you a great chance to make new friends. This will also give you the chance to learn from the other travelling nurses the places that are not suitable to go to and practice nursing.

If you are tired and burned out of working in the same hospital day in and day out, becoming a travelling nurse might be the solution to this.

Online job hunting
The notion and misconception that the only things nurses do is to follow what the doctor needs them to do and wear that crisp white uniform is absolutely a misconstrued idea. In today’s medical field, the duties and responsibilities of those practicing in the nursing field have grown differently. And because of this, nurses have achieved a different identity other than just merely taking down doctor’s orders. There are a lot of nurses achieved leadership status in the medical field are will not be satisfied by mediocre work. The travelling nurse is another important addition to the growing fields in the nursing profession. This offers more chances for nurses to grow in another field of nursing.

One of the biggest advantages that a nurse can have is the training he or she can get regarding management fundamentals and experience in surgery. There are a lot of schools, colleges and government agencies that offer degree courses in nursing. If you are one of those who want to pursue a career in nursing, you will find a lot of job opportunities that may help you advance in your career as a nurse.

An Attractive Job
Here are some reasons that make the job of a travelling nurse so attractive. A vacancy for a travelling nurse is considered to be an attractive job vacancy. This speaks well especially for women because they are the dominant gender in this field of medicine. One of the reasons why this is a very attractive job for nurses is because it offers the nurses the freedom to travel to different locales. Being a travelling nurse does not limit you from working in the United States of America. Being a travelling nurse will give all the ones applying for a job the chance to work abroad.

Another reason why the travelling nurse has become an attractive job is because of the chance to earn a really good salary package that should always include travel insurance, occupational bonuses, board and lodging and other monetary incentives.

As far as these job vacancies in the United States of America is concerned, one can find these nursing job vacancies by simply browsing through the internet. With a little help by researching through the internet, one can visit websites that offer job vacancies that include opening for travelling nurses. These listings are actually updated regularly. The one thing you can do is to simply choose the right description for you.

There are some online companies that can help you get the necessary travel papers like visas and passports and most specially your working permits.

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