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Finance, What is financial invoice?

If you have a business and have not incorporated a financial invoice, perhaps it is time you do. It comes with a lot of benefits that you would not want to be left out on. That does not, however, mean that there are no drawbacks. Note that it reduces the time frame that your clients or the lender take to pay the money they owe you to a period of one day. The points that follow show detailed information about the financial invoice used by businesses.

Definition Of Invoice Finance.

It is a grouped term for numerous types of invoice-based lending, including spot factoring, invoice discounting, selective invoice discounting, and invoice factoring. A financial invoice is meant to increase cash flow or instead speed it up.

How It Works.

When you provide the commodities or services that your business offers to your clients, you include the invoice. Before you send them, ensure that you have all the details of the invoice to send it to your invoice finance provider. A percentage of the face value will be sent to you in 48 hours. However, different factoring companies depending on their particular risk criteria, will advance different percentages. You also have to carry out the payment as normal chasing or the invoice finance provider will now be in control of the relationship you have with your client. Lastly, after your debt is paid, the invoice that remained is paid back.


Money Is Easily Accessible.

You will plan with your invoice finance provider how the finance facility will be set. However, it can be set up a week or two since you contacted them. After you have agreed, you should know that many, at times, money is released from the invoice 24 hours after the client issued it. Hence you will get money and tend to other expenses and what have you.

You Do Not Require Security.

An invoice on its own is security hence providing assets so that you can set an invoice finance agreement up is not a necessity. If you have a small business and you also do not have many assets, then you should consider invoice finance.


Customers May Find Out That There Is An Arrangement.

Be careful as you choose an arrangement; be it invoice or factoring discounting. This is because the latter one requires the providers to collect the payment from their customers directly. Hence they can quickly destroy the relationship you have with your clients. That means that the chances of returning for your services or products are on the lower side. However, if you go for invoice discounting, it is unlikely that your customers will notice that there is an arrangement. Therefore that is the smarter way to go since you will maintain the responsibility of collecting the money. It is up to you to choose the type of invoice finance that fits your business, not to mention that which will not make customers have suspicions that there are specific arrangements in place.

It Handles One Problem.

You may have already deduced from the above points that a financial invoice is meant to hinder no to low cash flow in the business because other means of payments like banks may take up to thirty days or more to process payment. If you have a business whereby your clients pay on time, then an invoice is not something that you should incorporate into your business. However, if you are fighting to get capital to purchase equipment alongside many other things, it will suit you right.

The above points show things that you need to know about a financial invoice.

James is the owner of the website Cashonyourmobile.net.au, which helps people find short term loans for their various needs.

Exhibition designer, What does a display designer do?

Your marketing team knows that to effectively advertise your brand they have to take advantage of online and offline strategies. Digital ads, when used right can deliver remarkable results for your business. Targeting the right audience at the right time will surely get their attention. However, digital marketing has its limitations. For example, if your target market is 60 year old males the chances of this audience to be on Facebook are slim. You can’t expect 60 year olds to be on Facebook or Instagram. This is why it is important to explore all possible marketing options available. One marketing strategy that is often overlooked is a display booth.

While there are people who prefer to do transactions online, there are those who are more interested in knowing a brand that they can actually see and touch. A good number of people feel more compelled to purchase or invest when they can see and hold the products themselves. As business owners, you have to understand that not everyone is tech-savvy. This is why display booths are a hit because people can see the products and they can ask you questions directly if they have concerns.

Being readily available to answer their questions and provide clarity will result in a high probability that they will buy from you. Imagine the inconvenience when someone tries to send you an email with their list of questions and they have to wait for a couple of days sometimes even weeks to get a response and when that day comes, they won’t be as interested as they were when they sent you that email.

When you’re in business, always make display booths a part of your marketing campaign. Display booths are tricky though. You don’t just participate, choose a spot and then sit there and display your products at the table and wait for people to come because if this is how you prepare for a booth display, trust us, no one is going to be drawn to your booth. Most businesses that have been participating in exhibition displays hire reputable display designers. What does a display designer do? Let’s find out.

What Does A Display Designer Do?

Display designers, as the name implies, are people who design display booths. These exhibitions can be displayed in galleries, trade events, public events, museums, private business and libraries. Here’s a lowdown of their responsibilities:

Before they start designing they will first talk to you about the kind of look you want to achieve. They will ask you about your requirements so they can start planning the design. Aside from your predilections, they will also collect pieces of information about your brand and the products you sell as well as the services your brand offers.

After collecting data, they will come up with a feasible quote. When you have come to an agreement about the price they will again go through the design and ask for your feedback if there is anything you want to add or remove. Besides the design your display designer will also talk about the budget as well as the time frame.

They will need information about the dates of the display and the venue. Sketches or 3D images are presented to you once the design has been finalized so you can visualize your booth better. The display designer will then get to work ensuring that the specifications are met and the expenses stay within budget and the work is done before the target date. They will also work collaboratively with suppliers, specialists and contractors as well as lighting technicians. On the day of the display, they will transport the booth at the venue, install it and when the show is over they will also dismantle it.

Hiring a display designer is an investment because if the booth is designed strategically and skillfully, it will attract X number of potential customers to your booth.

Kore Exhibits & Fabrication specializes in custom portable, modular and custom fabricated trade show displays and exhibits for purchase, lease or rent in Las Vegas and all the other top U.S. trade show venues. This post is sponsored by Kore Exhibits.

Dentistry, What skills do you need to be a dentist?

Is getting a dental consultation necessary? Is it really needed? The answer is yes. In fact, the American Dental Association urges everyone to visit their dentist at least once every 6 months for a dental checkup and professional teeth cleaning. Unfortunately, a lot of people are not aware of this and those who know tend to dismiss it thinking that it’s not necessary because they feel fine. What they don’t realize is that regular dental checkups are vital. These visits with your dentist play a major role in keeping your oral health in great shape. Let’s check out other methods on how to keep your teeth and gums in excellent condition.

Brushing Your Teeth Daily

Brushing your teeth once a day is not enough. As a matter of fact, brushing should be done at least twice a day for approximately 2 minutes. Dentists recommend that you brush your teeth 30 minutes after a meal. Furthermore, when you brush make sure that you are doing it correctly. If you have been brushing your teeth wrong this whole time don’t be surprised if you succumb to dental issues like gum infection and tooth decay. It’s important to find the right toothbrush. The bristles have to be soft because if you choose the firmer ones it may hurt your gums. The angle of the toothbrush should be 45 degrees facing your gums. Be as gentle as you can. People think that brushing too hard will make their teeth cleaner but the truth is, doing so ins only counterproductive as it causes premature wear and tear of your enamel and it may even injure your gums.

Use Fluoride Based Toothpaste

Another tip to keep your teeth protected is to use a fluoride toothpaste. Fluoride helps strengthen your teeth and lowers your risk of developing tooth decay.

Floss In Between Teeth

Brushing is not enough. To keep your teeth in great shape you must also floss every day. There is no cut and dried rule as to when you should floss. Some people prefer to floss before brushing while others prefer to brush first. Either way, it doesn’t matter because what’s important is you floss in between teeth every day to remove food debris. You see, when you brush, the soft bristles won’t be able to reach the narrow spaces between your teeth. Only a dental floss can do that. Flossing keeps bacteria and cavities at bay.

Limit Your Consumption of Acidic Drinks

If you’re fond of drinking sodas and fruit juices you have a high risk of getting cavities. The acids in these drinks will cause your enamel to soften and the minerals in it to dissolve creating tiny holes that will eventually enlarge resulting to deep cavities.

Minimize Consumption of Sugary and Starchy Foods

Similarly, you must also lessen your consumption of foods that are high in starch and sugars. When bacteria in your mouth feed on these sugars it will produce acid that will eat away your enamel.

See Your Dentist Regularly

As mentioned earlier, dental checkups are necessary to keep your teeth and gums healthy. Your dentist is educated, trained and skilled to identify signs and symptoms of oral health problems. The earlier these problems are detected the lesser the chances they will advance and complicate since they will be treated right away. Moreover, we want to stress the importance of professional teeth cleaning. Your dentist has the tools needed to effectively remove plaque and stubborn tartar on your teeth. Sadly, a regular toothbrush can’t remove hardened tartar.


If you follow these tips highlighted here you will surely get to enjoy healthy teeth and gums for a long time. Just so you know, healthy teeth will not only give you an attractive smile but it will also positively impact your overall health and wellbeing. As early as now, discipline yourself to practice oral care at home.

Dr Gerald Regni, DMD, has been practicing dentistry for over 30 years. He does general and cosmetic dentistry, but has a special interest and focus in biological and holistic dentistry. He can be contacted at: Dr. Gerald Regni, DMD 937 Christian St Philadelphia, PA 19147 (215) 351-9399

Dental surgery, What is considered oral surgery?

If your Kenosha dentist recommends oral surgery don’t be quick to say no. Sometimes, surgery is required to preserve or restore your oral health. Most patients panic when they are told to go through surgery thinking that it’s painful and dangerous. While it’s true that oral surgery comes with risks just like any other surgery, it’s not unsafe just as long as you choose a skilled and seasoned specialist to perform it.

Oral surgery is a procedure that addresses a number of health conditions such as tooth loss, sleep apnea and impacted wisdom tooth. Most patients who go through oral surgery usually go back to work after a couple of days. One of the reasons why people are scared of oral surgery is because they don’t know what it is, why it’s done and how it’s done. Having full knowledge about what you are about to go through, why it’s necessary and the health benefits of oral surgery will convince you to push through with it for the sake of your oral health. Let’s find out more.

What is oral and maxillofacial surgery? Oral and maxillofacial surgery is a surgery done on your mouth tissues but it also includes your teeth and gums as well as surgery in your face, jaw and head. The most common types of oral surgery done are impacted tooth removal, sleep apnea treatment, dental implant surgery and reconstructive jaw surgery.

Impacted Wisdom Tooth Extraction

Wisdom teeth often erupt by themselves without problem but there are patients whose wisdom teeth are trapped or impacted. When impacted teeth are not removed surgically it will cause pain and it may even result to teeth misalignment. Aside from alignment issues, impacted teeth can also cause food to get trapped around them predisposing you to tooth decay and gum infection.

Sleep Apnea Treatment

Believe it or not but sleep apnea may also require surgery. Sleep apnea is a sleeping disorder wherein the person breathes repeatedly and then suddenly they stop breathing and then starts again. Individuals who tend to snore loudly and who often complain of tiredness even after a good night’s sleep may have sleep apnea. Sometimes dentists recommend the use of mouth guards or a machine that will help keep their airways open while they sleep but if these methods still won’t work, surgery is the last resort. During oral surgery, your oral surgeon will surgically remove excessive tissues at the back of your throat to clear your airway and to minimize the symptoms of sleep apnea.

Dental Implant Surgery

Individuals who have lost several teeth and are looking for a permanent tooth replacement option settle with dental implant surgery. In this procedure, your oral surgeon will create a tiny incision along your gumline to expose your jawbone. Once the jawbone is exposed your oral surgeon will drill holes in your jawbone to accommodate the biocompatible metal implants. The gums are stitched back to allow the implants to fuse with the bone in a process called osseointegration. Once the gums have fully healed and the bone has infused successfully with the implant, the dental crowns will be placed.

Reconstructive and Jaw Surgery

Patients who suffer from jaw problems complain of pain and difficulty eating. Without surgery, the pain will persist and it may even lead to malnutrition. A reconstructive and jaw surgery will not only improve a patient’s look but it will also fix the root of the problem thereby relieving pain and allowing them to eat normally.


In terms of safety, it’s best if you discuss the procedure with your oral surgeon so you can ask your questions as well as the specifics of the treatment to give you peace of mind and to lessen your anxiety. Nevertheless, to ensure that you have a high success rate, we highly recommend that you find a good and reliable oral surgeon.

Dr. Michaelangelo Aust is the founder of Modern Family Dentists in Kenosha, WI, a full service dental practice offering general, cosmetic, and restorative dentistry.

How Do You Define A Payday Loans

Part of being an adult is facing financial responsibilities that means the burden of paying for electricity, rent, groceries and gas are all on your shoulders. In a world where inflation is inevitable, people are scrambling to their feet juggling multiple jobs just to make ends meet. Unfortunately, life doesn’t always turn out the way we wanted it to. One day you’re at the top enjoying the perks of a high paying job and then the next thing you know you receive an email from your employer telling you that your services are no longer needed effective immediately. How do you stop the bills from piling up? Well, the sad thing about life is they don’t stop. If you don’t pay them today they’ll still be around the next day and then the day after that. What do you do when the bills pile up and you don’t have the means to pay for them yet because you’ve just started your new job? Most people who find themselves in this unfortunate predicament turn to a payday loan for relief. What is a payday loans and how does it work? Let’s find out more.

What Is A Payday Loan?

Well, a payday loan is considered a short-term loan that is available to people who need cash fast or to those who have a bad credit history. If you have a history of not paying your credit card bills on time or if you happen to have a bill due the next day but you don’t have spare cash or any cash for that matter to pay for it a payday loan is your surefire fix. A lot of payday loans have a 2-week duration but this can be adjusted to coincide with your payday, which explains the name of the loan – payday loan. The amount you can borrow is relatively smaller in comparison to typical personal loans usually only $500 or less.

How Do Payday Loans Work?

Payday loans rely on your income. Therefore, if you are planning to apply for payday loan your borrower will ask you for your proof of income as well as information on your checking account. There are two ways to apply for a payday loan. You can go to a brick-and-mortar lending store or you can apply for a payday loan. If you get approved you can meet up with your borrower so you can get the money or if it’s an online transaction you can expect it to be deposited to your bank account. It only usually takes one business day to transfer the money. However, you will be required to approve the date where the lender will withdraw the amount of money you borrowed plus fees and interest from your account. Another way to pay your borrower back is by writing a check on the date you both agree on.

What Are The Benefits of A Payday Loan?

One of the benefits of a payday loan is you get instant cash. When you receive a notice of disconnection for your electricity bill but you have zero cash, whom can you turn to? Sadly, it can be disheartening to know that even your closest family members and friends aren’t that sympathetic. To spare yourself from humiliation and rejection you can rely on payday loans to save you.

A payday loan will give you emotional relief from all the stress that comes with piled up bills. The relieve you get is invaluable especially if you are just starting out and adjusting to your new job. Don’t worry too much about paying it off because you will pay your debts off come payday.

When unfortunate events happen at least you can rely on payday loans to help you financially.

Payday Rocks is one of the fastest growing payday loan services in the US. If you have bad credit that isn't a problem. Payday Rocks checks through many lenders to find the best loan to fit your needs. Over 90% of applications are successful. We provide an easy and simple way to get up to $1000 paid directly to your bank account in as little as 15 minutes. There are no credit checks and our simple online application can be completed in just 60 seconds. If you have bad credit that isn't a problem. We check through many lenders to find the best loan to fit your needs. Over 90% of applications are successful.

Tips Finding Condos For Sale Rittenhouse Square

There is a lot of difference in buying a single-family home and a condominium. You need to consider different things when buying one of the available condos for sale. One of the main reasons many people prefer condos is that these tend to be available at a lower price as compared to a single-family home. As you must be aware, a condominium is a shared piece of property and all the individual owners of each condo share it with others in the property.

There are several amenities that are usually available to condominium owners including tennis courts, swimming pools, fitness centers and other such things. Owning a condo also comes with the benefit of less maintenance and living in a community. If you are searching for condos at Rittenhouse Square, here are some important things you need to consider in order to find the right condo, at the right price.

First and foremost, it is important for you to know that Rittenhouse Square is widely regarded as one of the premier areas for homebuyers in Philadelphia. There are many high-rise condo buildings here and there is a wide assortment of high-rise condos available for sale in this area. Since condos are also available in many different sizes, it should be easy for you to find something that matches your requirements.

It is recommended to hire the services of a real estate agent with experience in buying and selling of condominiums. Keep in mind that the purchase contract for a condo is a lot different than other types of residences. In many cases, a separate contract is required to be signed in addition to the sales contract before the sale is closed. This additional contract typically outlines the rules and regulations of the association and you will need to adhere to these regulations to buy a condo. Therefore, partnering with an experienced real estate agent who has previous experience in this field will help you find the right condo and they will also make sure that you are aware of the process and rules and regulations you need to follow.

Another important thing you need to know is that not every condo unit includes all the amenities you might have imagined. So, you will need to find out whether your purchase includes a parking spot or any kind of additional storage. Similarly, you need to find out whether additional parking is available for your guests. You will also need to pay association fees that could be paid monthly, quarterly or annually. These fees are required to be paid for common expenses such as maintenance and insurance. In many cases, you should be able to obtain the financial statements of the association before buying a condo in that community.

In addition to knowing the total amount of association fees, you also need to find out what is included in the association fees. Usually, it includes insurance, maintenance, water, road maintenance, landscaping as well as trash pickup among other things. There are cases where association fees also include heating and electric. If your community offers additional amenities such as fitness centers, pools, tennis courts or other such things, you will also need to pay for these amenities.

Carefully go through the association rules as every member of the committee needs to follow these rules and regulations to make sure that everybody is able to live in peace and harmony. You are not free to make your own independent rules which is the case with a single-family home. For instance, certain types of pets or all kinds of pets might not be allowed in certain communities. Sometimes, rules prohibit renting of a unit in the community. In short, you need to read the rules and regulations to make sure you will be able to abide by them once you have bought a condo.

Overall, these are some of the important things you need to carefully consider when you are searching for condos available for sale in the Rittenhouse Square.

Nancy Alperin of Maxwell Realty has not only a keen understanding of real estate, but a genuine passion for it. She believes in garnering client respect by listening to their needs and delivering results for them. Her in-depth knowledge of the Philadelphia real estate market plus her ability to broker complicated deals with infinite finesse enable her to navigate the challenging elements of buying, selling or leasing properties while making it all appear seamless. This is also strengthened by her years of owning, buying and selling for her own portfolio. Committed to the health and longevity of her father's company, Nancy has helped Maxwell Realty Company, Inc. achieve its reputation for unparalleled service as well as for being an innovative and rewarding work environment for its associates.

Overview to Bank Statement Processing

A bank statement is a detailed summary showing financial transactions such as deposits and withdrawals, that were made by a person or organization during a particular time period, say a month or a year. It is important for tracking finances and spotting any possible errors with the account. They are particularly useful in providing insight into spending habits on a constant basis. Certain banks and financial institutions ask for bank statement processing from people who are in the process of applying for a loan or mortgage.

The Information That Shows Up on A Bank Statement

The data included inside a bank statement is not set as it depends on the financial institution. The information that is on the bank statement will involve the full names of the account holder, their contact and home address, the statement start and end periods, and contact information of the bank in the event that the account holder will want to report suspicious activity on the account.

The statement will also involve financial transactions involved with the account such as direct and check deposits, cancelled payments, or reimbursements. It will also show ATM withdrawals, service fees charged by the bank, and any auto payments made within the statement period. For each financial transaction, be it withdrawal or deposit, there will be a transaction date and both the payer and payee names.

How You Can Get Your Bank Statement

Most banks and financial institutions release their statements every month, while some choose to do it every four months or so. Depending on your bank, you can get your statement by e-mail, through logging into a customer portal or the bank app, or through the postal mail service for the less tech-savvy. Some banks will send you monthly statements to your postal address once you sign up for an account. However, you can choose to go paperless if you would like to.

The modern age of digitalization has seen almost all banks offer the option to view your bank statements online and at no cost at all. Of course, the process by which people access their bank statements varies with the bank, but the basics usually involve logging into their respective account on the bank’s online customer portal or mobile app. If you have never had to sign in online, you may have to get in touch with your bank’s customer service to open the account for you. After successfully logging in, locate where your bank stores electronic statements and select the period you would like to view. The bank statement function is usually under ‘services’ or ‘e-statements’. You can proceed to view the statement online, print it or you can save it as a PDF or send it to your e-mail address. Make sure you log out once you are done for security purposes.

It’ worth noting that banks are obligated by law to keep statements for as long as five years, although some banks may keep them for a much longer period of time. The Bank Security Act stipulates that banks should maintain all account records for at least five years regardless of whether the account is active or not. The reason for this is because some situations such as litigation, divorce, or tax audit may need an account holder to get their relevant financial records.

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Acupuncture and Chinese Medicine vs. the Western Medicine Philosophies

When it comes to health care, there are two clearly different fields: those that come from the east, and those originating in the west. How these forms of medicine have developed and the current practices are often quite opposed to each other in the diagnosis and treatment of conditions. However, there are an increasing number of practitioners who can see the benefits of each, and attempt to incorporate the best of both ideologies into their practices.

woman receiving acupressure treatmentThe basis for Chinese medicine and therapy is entirely holistic in nature. TCM, or Traditional Chinese Medicine, is a broad field of treatments based on the natural vital energy that flows through the body. This is called chi, or qi. It is believed that this energy flows through various meridians that are connected to bodily functions.

In addition to the bodily energy flow, TCM also holds that yin and yang are important health concepts. Loosely stated, these are the opposing forces in the body that must be properly balanced for good health. There are also five phases of matter that are associated with the body: wood, water, fire, metal and earth. It is believed that these are all connected to different parts of the body, and that imbalance can lead to various diseases.

On the other hand, western medicine is based on scientific study. It has evolved from some of the ancient studies in Egypt and Greece and continues to change as people learn more about the microscopic level of life. New treatments are found regularly based on scientific data collected in research centers around the globe.

It is of interest to note that for a long time in the western study of medicine that men were the primary focus of study. While there were some conditions that were looked at with women, they were often not taken seriously or were misunderstood by the men who dominated the profession. For example, hysteria was a common diagnosis for many decades when a man was unable to determine what was troubling a woman.

However, Chinese Medicine has a long history of treating health conditions in men and women. In fact, acupuncture has become a popular infertility treatment and other problems that affect women more frequently than men, such as fibromyalgia. The success rate of acupuncture for fertility treatment has even been a topic of many recent news reports.

Western practitioners utilize the scientific method to determine whether or not something is sound. This research has involved many courses of study, including those related to bacteria and other microorganisms.

Mental health issues were often treated separately under the care of Western doctors. Those who were believed insane were often relegated to family care, and then to dramatic asylums where they were experimented upon regularly.

However, in the past century, those methods have changed and fallen more in line with the treatments for other illnesses. Today, Western medicine deals largely with diagnosis and possible pharmaceutical cures.

As studies continue and researchers look into both types of medical treatment, it becomes obvious that each has provided a great deal of information regarding healing. By bringing the two together, some modern practitioners have been paving the way for a global look at health care, whereby the best of each medicine form is used in the care of a single patient.

Comfortable Living: Benefits of a Home Heating and Cooling System

Air Conditioning repair technicianMore than 50 percent of a home’s energy use is consumed to keep it cool in the summer and warm in the winter. That is why it is essential to make well-informed decisions concerning the HVAC (heating, ventilating and air conditioning) system in your home. In addition to maintaining a comfortable environment inside the house, repairing or upgrading the heating and cooling system can make a significant difference in lowering your monthly utility bills.

HVAC experts recognize the significant benefits of a home heating and cooling system that has been professionally installed and routinely maintained. Major benefits include:

•     Substantial Cost Savings – Choosing to replace an outdated HVAC system can save on the home’s utility bills every month. This is because a new system will run more efficiently and can essentially pay for themselves after just a few years of use.

•     Control Air Comfort – Newly manufactured HVAC systems have modulating gas valves and variable speed fans to produce high-efficiency cooling and heating output. This advanced technology makes it easier to maintain comfortable temperatures at a constant level while providing a more consistent flow of air and better humidity control than an outdated system.

•     Programmable Thermostat – Major advancements in programmable thermostat technology have now become the standard in high-efficiency HVAC systems. Some heating and air-conditioning system manufacturers offer units that control specific temperatures in individualized zones throughout the home. With the capacity to pre-program temperatures throughout the house, homeowners can save money by programming the thermostat at comfortable temperatures while family members are home and less comfortable temperatures while everyone is away.

•     Quality Airflow – The incorporation of variable speed motors in new high-efficiency heating and cooling systems provide consistent airflow in every room of the house. Better-managed airflow translates into a more comfortable indoor environment while the unit removes air impurities and prevents the development of mold. Some HVAC units can be upgraded with advanced filtration systems to maximize quality airflow output.

•     Peace and Quiet – Many newly manufactured HVAC units and ductwork are crafted with advanced sound-absorbing steel, textures and other materials to reduce noise. Replacing an outdated unit with the new system provides highly efficient operation of the system while reducing sound.

•     Decades of Efficient Operation – New technologies and advancements in heating and cooling systems provide high-efficiency in units that have a longer operating life. In addition, when properly maintained, the system tends to require minimal repairs and last significantly longer compared to less efficient systems. As a result, many heating and cooling system manufacturers are offering extended warranties to provide every homeowner decades of efficient operation.

•     Maximize Resale Values – Updating an old system with a new heating and cooling unit can maximize resale values of the home. Installing a new unit avoids many of the hassles of a home inspection demanded by a prospective home buyer or mortgage lender.

Replacing the System

Knowing when it is best to replace the system instead of having it repaired or maintained can be challenging. However, if the current unit in the home is at least 15 years old, it is likely a wise decision to invest in a new high-efficiency model. Engelsma Heating & Cooling, a company performing air conditioning replacement in Grand Rapids, MI, recommends replacing any unit over 10 years in age in order to see significant savings. More than likely, an older unit has generated high utility bills for the last few years or may be performing inconsistently.

Having the unit professionally evaluated is an easy way to determine if replacement of the system or maintenance is the best course to take. However, choosing to purchase a high-efficiency HVAC system will require proper installation to ensure it operates as designed. When professionally installed, the system can reduce utility bills by upwards of 30 percent and extend the lifespan of the unit.

Within the first year of use, it is essential to have routine inspections by a qualified service technician to ensure that the unit is running at peak efficiency. Annual or semi-annual maintenance can detect any small issue before it turns into a large, serious and expensive problem. A technician can check the unit’s heating system from late summer into autumn and the A/C components throughout spring before the hot days arrive.

There are significant benefits of a home heating and cooling system when it is properly installed and well maintained. A new unit can reduce fuel consumption and provide years of comfortable air inside the house.

What is Concierge Medicine?

doctor and patientConcierge medicine, also called retainer medicine, is something a lot of people do not really think about. Considering the importance of overall health, however, not having one is actually a bad decision. In fact, you will find that having retainer medicine is usually more useful than having health insurance.

What Is It?

Simply put, concierge medicine is a type of commitment between the doctor and his patient. The patient pays an annual fee in which case, the doctor offers his expertise on a regular basis – usually performing check-ups and coming over for visits to ascertain the health of the patient. Concierge medicine usually varies in the scope of the service, but each one involves a single primary physician concerned with the overall health of their patient.

What Are The Benefits Of Concierge Medicine?

From the description alone, it is easy to see exactly why concierge medicine is a favored choice for many. You will note though that once you make use of this type of service, you will be getting the following benefits as well:

• Patients are given more time by the doctor. Unlike assembly line medicine wherein doctors try to see as many patients at once, concierge doctors typically limit the number of their patients. This gives them the chance to provide a higher quality of medical care to the individual.

• Concierge care also means that the doctor becomes more aware of your medical history. This puts them in a better position when it comes to prescribing medications or providing suggestions on your health lifestyle.

• Like insurance, retainer medicine is often privy to customization. For example, some doctors include in-office check-ups as part of the retainer fee while others may ask for a separate payment. Make sure to ask your doctor about this beforehand before committing to a general physician.

• Patients of concierge doctors are often encouraged to call whenever they need medical advice. This is part and parcel of the service, ensuring that someone will be present in the event of medical emergencies.

• When confined in the hospital, a primary care physician may extend help on their patient therefore decreasing the amount of time one may spend confined.

• Primary care concierge physicians often operate alone, but that does not mean they do not have a network of contacts. In the event of problems, they are capable of getting in touch with special practice physicians and refer your case to people they know could handle it best. Like a lawyer, your concierge physician is also in the position to explain and elaborate on different medical situations, often conferring with a specialized doctor regarding your case.

• Concierge doctors may also include diagnostic operations as part of their fee. More often than not, their clinic houses different equipment to analyze patients and determine the status of their health more accurately.

• The patients are able to maintain a very high level of privacy. This is especially valuable for patients who want to keep the fact of a medical procedure confidential. For example, many doctors provide house-call services for things like botox and in some instances can even provide minor plastic surgery procedures, such as filler injections.

• An added perk of concierge physicians is that this gives patients the freedom to call on them when they notice the slightest of symptoms. With direct care, patients often wait until the symptoms can no longer be ignored before visiting their doctor. This is a bad decision since at this point; the condition may already be reaching its chronic stage. That being said, concierge medicine is often more concerned about the prevention of health problems rather than curing what is already there.

• Most of all – concierge medicine gives you the chance to really get to know and develop trust with your doctor. This is crucial considering the seriousness of maintaining proper health during your productive years. With excellent relationship with your doctor, you will be able to rest easy knowing you are getting the best of care from the person you trust.

• Insurance usually does not cover basic health concerns – hence the need for a primary care physician. You will find that in the long run, this method of medical care is actually cheaper and more health-friendly.

How It Works

Retainer medicine is usually a private contract between you and your doctor with no third party involved. Hence, there is really no insurance utilized for the process and so far, there is very little to suggest that insurance would cover the cost of concierge medical service. That being said, the cost of the service is usually out of pocket, averaging to around $15,000 annually.

Note that concierge medicine is not a substitute for health insurance. Both manage to perform different functions to better serve people on their health needs.

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