Part of the concern that many people have when it comes to allowing a home health care agency to take care of their elderly relatives is how they will pay for it. Some people are much better equipped to handle their later years because they saved money or have some kind of a pension program that will allow them to pay for their own health care. However, others have to rely on income from family members or government agencies. This is why it’s important to choose a home health care agency that can help you navigate the tricky waters of budgeting for elderly care.The first important factor to take into consideration is speaking with the home health care agency to see if they can offer any support or advice about whether Medicare or Medicaid will pay for any portion of the person’s care. There are so many variables to consider such as whether or not it will be considered long or short term care. Will it be rehabilitative (physical therapy or speech therapy) or medically necessary (care that must be provided by a Registered Nurse).If the expenses do not fit into the Medicare services, than you may have out of pocket expenses. However these costs could also be paid for by long term insurance. Most people who need additional care or assistance (that isn’t covered by Medicare) choose to hire a private pay home care provider, OR they move into an assisted living or nursing home.Remember to consider the expenses from the agency as well. You can ask questions as to the their fees including if there are any additional costs for weekends, holidays or other business hours.Another important consideration is who pays the worker’s Social Security and whether or not the company provides worker’s compensation just in case there is an injury in the home while the employee is providing care. You also want to understand their billing procedure and whether or not you pay the worker or the agency directly. They should also be able to tell you if the agency bills Medicare or any other insurance directly for the covered services.When discussing the hours the home health care worker will work in the home, make sure you know whether or not there are a minimum number of hours or days per week that are required by the agency. In essence, you want to know if there are going to be any unexpected fees or extra charges that may come up.
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Why Commercial Mortgage Lenders Don’t Like Small Loans
Many of the most successful and powerful commercial mortgage lenders, as-well-as top commercial mortgage brokers avoid originating small balance loans. It is not easy to find a firm willing to underwrite a commercial mortgage with a loan amount of less than $1,000,000.00. As a borrower in need of a smaller loan, you may feel somewhat insulted by this circumstance, but if you take a moment to see things from the lenders point-of-view you will learn the key to getting your small balance loan through to closing.All the Work 10% of the PayA borrower is entitled to all due respect and a high level of service regardless of the size of the loan being requested. It is only right that every client receive the same time and attention as every other. The small borrower asks the same questions as the large. The paperwork and documentation for a $100,000.00 loan is identical to that of a $1,000,000.00 loan. The only real difference is the number of zeros on the application.As-far-as the lender is concerned, the amount of work and the effort involved in closing a small loan is exactly the same as closing a big one, but the compensation to the firm can be 10 times less! So for the company funding the loan, it’s simply a matter of economics; they can fund 10 loans for a certain amount of income or fund just 1 for the same amount of income. They will, invariably, choose to fund fewer loans with larger balances if they are successful enough to be choosey.What’s a Small Commercial Real Estate Investor to do?Even in this era of skyrocketing real estate values in the commercial sector there are still many, many buildings and building lots selling for less than $1,000,000.00. Knowing that lenders prefer large loans, how can a small investor get a low balance loan file through to close?Small Balance Lending is a NicheSome savvy business people have figured out that there is much less competition for small loans than for the big ones that everyone seems to fight over. Seek out small balance specialists. Sift through all the advertisements and all the search engine results and you will eventually find a lender looking for you just like you are looking for them.Every time you get a lender or broker that tells you “We don’t do loans under a million” just take the time to ask: “Do you know any good lenders who do?” You will get some good leads and if your deal is of high quality you will find someone to fund it.Make it Easy for ThemRemember, the reason a big lender doesn’t want your small balance loan is because they think it’s going to be a-lot of work for a little pay. Turn the equation around on them, make your loan look like easy and they will see a decent payday for a minimal effort.Do some research and have the documentation you know you’ll need readily available and let them know you will be very forthcoming. Don’t just submit an application, sell them your deal. If you have great credit, make sure they know it up-front. If you are putting down a healthy down payment, highlight that fact. If there’s ton’s of equity in your building point it out to them. If they believe your loan will sail through the system they won’t be able to resist originating it.Small commercial loans can be done. A little searching will turn up willing lenders, I promise. And, a little window dressing (as long as it’s honest) on your file will go a long way in getting it accepted.
The BEST Supplements for Your Immune System
The Amazing Human Body The iImmune system is a truly amazing system. Research has revealed that it has a number of miracles that humans are unable to understand or replicate despite the advanced technology currently available.The body has about 100 trillion cells that make up all the organs, bones, muscles, tissue, eyes, skin and the other body components. About 8 million cells die every second and are replaced by new cells, constantly revitalising the body. These trillions of cells carry out millions, if not billions of complex activities every second of every moment of your life, regardless if you are awake or asleep. The body is an “electric machine” that triggers these activities primarily through enzymes that carry out complex chemical reactions which can identify and instantaneously communicate with, and control every single friendly cell in your body. This is far more powerful and intelligent than any known computer that exists today.The Miracle of the Immune SystemIf the human body didn’t have an “Immune System” we would have to permanently live in a germ-free sealed plastic tent, or we would die within a few days.No matter where you live, we are all surrounded and attacked by microorganisms or microforms. If these pathogenic microbes get into our bodies they create the ideal environment for disease. As Robert Young Ph.D. a leading microbiologist and nutritionist says, “We are living in a plague of “microforms” including yeasts, fungus and moulds as well as bacteria and viruses.” These microforms attack our cells and produce poisonous acidic waste in the body that affects healthy cells resulting in various diseases.So how does the body protect us from these foreign invaders and the resulting diseases? The Body’s “Defence Force”To help you understand the vast complexities of the amazing Miracle of the Immune System and the extraordinary events that take place continuously in our bodies, to prevent the invaders from causing disease, this short summary has simplified the complexities by likening the bodies “Immune System” to a well organised, mobile, extremely disciplined, highly intelligent and efficient “Defence Force.”The “Defence Force’s” mission is to protect the body at all times, by preventing invaders (antigens) from crossing the front line, or eliminating those that manage to get into the body.Invaders primarily enter the body through the food we eat, what we drink and what we breathe in, however they can also enter through the skin, eyes, ears, nose and mouth. This means that our “Defence Force” must be alert at all times, guarding all these and other areas of the body. It is estimated that there are about 1 trillion cells in the “Defence Force”.But where do the “Defence Force” warriors come from and how do they get trained to understand the difference between friendly cells and foreign invader cells that are harming the body?The Immune System “Production Centres”It all starts in the “Bone Marrow.” This factory continuously produces a variety of different cells from stem cells, all with their own specific roles and control mechanisms. These include the trillions of immune system “warriors” of which there are 2 main groups consisting of 8 main “fighting” groups. The first line of defence are the foot soldiers (phagocytes and macrophages), and the real fighting heroes are the B-Cells, T-Cells and Natural Killer (NK) Cells (lymphocytes).Then we have the “Training Academy.” The Thymus, perceived to be an unintelligent chunk of meat, which trains trillions of Immune Cells (lymphocytes), which are so small they are invisible to the naked eye, and have no known intelligence in them, to identify millions of different cell types and foreign invaders (antigens) in the body. What’s even more incredible, is that these cells can identify every friendly cell and the “identity” of each of the invaders, and create a specific weapon (antibody) to eliminate each specific invader. Then they store that information so that if ever that invader type is identified again it will immediately be wiped out. This is the reason you only get certain diseases once, like mumps, measles and chicken pox. Research has shown that the immune systems weapons factory (B Cells) can create and memorise over 1 million different antibodies for specific invaders. Where do they get this information from? – no one knows! Remember many of these cells only live for a short while, so this information has to be continually passed on to new cells. This is absolutely miraculous, as only “if” a cell has “consciousness”, “memory” and the power of “reasoning” can it be capable of processing and communicating this data. Man has not yet been able to fathom out how this works yet!Then there is the versatile Spleen. Bone marrow only comes into production once a baby is born, so to protect the baby from antigens while in the womb, the Spleen produces all of the required Immune warriors. Once the baby is born the Bone Marrow starts producing and the Spleen primarily controls the deployment of the Immune warriors to the various places that they continuously patrol, like the blood stream, Lymphatic system, salivary glands, joints and tonsils, looking to identify foreign invaders. If at any time there is an immune response that requires massive numbers of warriors, then the Spleen will help out and produce the additional warriors required. Imagine all of the instantaneous communications required between these millions of cells to control these immune responses and ensuing battles.Then the last production centre, but one of the most important and miraculous, is the Lymph Nodes. The Lymphatic System, a key part of the Immune System, is larger than the blood stream, with lymphatic vessels reaching all tissues and cells in every part of the body. The Lymphatic System has a “Police Force” patrolling the entire body, with a “Police Intelligence” group gathering and storing information about cells and invaders.The Lymph fluid continuously flows throughout the entire body and carries the “intelligence gatherers” who monitor everyone of the 100 trillion cells a few times a day, passing information back to the “Police Stations” (the Lymph Nodes). This information will be stored and the “police” will react to any alarm by producing the specific type of “Policemen” (immune warriors) required. This information will be immediately communicated to all the necessary fighting and support groups and the necessary warriors will be mobilised to the battlefield to eliminate the invaders, clean up the battlefield and normalise the body functions.The Ongoing War Against the Foreign EnemiesThe Immune Systems “Defence Force” is fully prepared and on duty protecting the body at all times. This entails six distinct planned and integrated stages that they continuously carry out to keep you healthy:• The establishment and maintenance of the “Defence Force”• The identification of the Enemy• Training and mobilising the various forces to the battlefield• Providing the Support Services to the forces• Communicating and recording all aspects of each battle• Clean up the Battlefields and Normalise all body functionsBoosting ImmunityYou now understand a little bit more about the amazing “Immune System” and how critical it is to have it performing at its peak at all times. But how do you achieve that?By adequately feeding your immune system with the right nutrients boosts its fighting power by increasing the number of troops in the Defence Force and ensuring that they are “battle ready” at all times.Natural Immune System SupplementsThere are a number of natural supplements to feed your Immune System that will ensure that your immune system and its amazing “Defence Force” continuously operate at their peak, protecting you from all possible invaders, keeping you healthy and disease free.Here are some of these natural supplements that you should be aware of:Fresh Organic Fruit and Vegetables and fresh juice – These natural foods provide anti-oxidants, Vitamins, Minerals, Enzymes, Amino Acids and fibre that are excellent for boosting all aspects of the immune system
Vitamin C – this is the most effective Immune System booster and can be obtained from fruit and vegetables as well as supplements (suggest Green Drinks)
Vitamin E – an important anti-oxidant and immune booster that promotes the production of NK and B cells
Beta carotene – increases the production of NK and Helper T Cells and helps to mop up excess free radicals.
Bioflavonoids – this group of phytonutrients boosts the immune system by protecting the cell membranes against environmental pollutants.
Echinacea – one of the oldest and most effective healing herbs recognised more than a century ago as an amazing natural infection fighter. Echinacea stimulates the body to produce more T-Cells and NK cells while releasing interferon, one of the bodies most potent infection fighting weapons.
Zinc – this valuable mineral increases the production of white blood cells that fight infection and also increases killer cells that fight against cancer and helps white cells release more antibodies. Zinc also increases the number of infection-fighting T-cells, especially in elderly people who are often deficient in zinc
Probiotics – these are healthy immune boosting “Good” bacteria that live in our digestive system.
Garlic – this powerful immune boosting vegetable stimulates the production of infection-fighting white cells, boosts NK cell activity and increases antibody production.
Selenium- this important immune boosting mineral increases NK cells and mobilizes cancer-fighting cells.
Omega-3 Fatty Acids – these essential fatty acids increase the immune boosting activities and help fighting bacteria.There are many commercial “Immune Booster” Supplements available, however the most effective include a combination of the supplements shown above and should have some of the following:Coriolus Versicolor
Selenium
Beta 1-3 Glucan
Echinacea
Olive Leaf Extract
Turmeric / Curcumin
Bilberry Extract
Quercitin.Things that Destroy the Immune SystemCertain foods and environmental influences can keep the immune system “Defence Force” from doing a good job. You should eliminate these threats to your body’s defence system.Sugar – consuming 100 grams of sugar or 2 cans of soda will immobilise your Immune System for four to six hours exposing you to invaders
Alcohol – excessive alcohol deprives the body of immune boosting nutrients, suppresses the ability of T cells to multiply and to kill invaders. Alcohol also inhibits the NK cells (natural killer) from tackling cancer cells and tumours.
Bad Fats. Saturated and Trans fats affect the ability of B Cells to multiply and produce antibodies (weapons) to eliminate invaders. It is important to note that the body needs “Essential Fats, like Omega fats to be healthy.
Coffee and Caffeine Drinks rob the body of vitamins and minerals that depress the immune SystemHealth and WellnessThis short explanation is a very simplified overview of the amazing “Immune System” and what you need to know to ensure that it is working at its peak at all times so that you can enjoy and live a long, healthy, happy and vibrant life with an abundance of energy and vitality, and the ability to perform mentally and physically with emotional balance and the lack of disease.