People prefer to invest their money in some profitable ventures so that they get a steady return. Stock market investments are something which are very common today. Every individual comes across such investments. However, they may prove to be very risky if not invested properly. The investment decisions related to these are very crucial and many factors like returns and risks involved call the attention of the investors. Most investors do not have perfect knowledge about the market. Such a lack of knowledge may subject them to various risks.Despite these facts, there is not much to worry about these problems. Even if there is imperfect knowledge about the investment market conditions, earning a decent profit is quite possible with the help of investment advisory services. They form a very important part of the financial body for helping a large number of clients. Business organisations and individuals approach an investment consulting firm to get effective advice regarding the investment procedures. These services are either offered for free or at a fixed percentage of the investment. The investment advisory services offered by these firms provide guidance for the business organisations towards profitable ventures.The investment advisory services provided by the firms extend in many areas like stock market research, analysis, investment guidance, tracking and recording investment and many more. There may be times when the individuals are unable to allot time to track the changes in market trends and research on the various investments. This may create a problem for the individuals and business organisation. An investment consulting firm is a perfect choice for solving such issues. The investment consultants provide services related to planning, implementation, strategy and the structure of the portfolios. The aim is to provide the clients the maximum profits from investments.An investment consulting firm opens up the business organisations to investment advisory, strategy consulting, customised investing platforms and venture promotion. They make the businesses better equipped to compete with the investors. The investing consulting firms help small businesses in development and expansion. They are simply a wonderful way to survive in a competitive business scenario and help business enterprises to grow and expand their horizons. Their guidance is the sole key towards profitable investments and a way to advert risks and losses.There are however certain things which should be kept in mind while approaching an investment consulting firm. They should be certified and should have proved their expertise while receiving such certifications. They should be able to maintain secrecy about the investor’s confidential information. They should be adaptable and flexible towards the market changes. There should be a factor of dynamism in these firms. Their aim is to provide a simpler investment platform to the customers. They follow a calculated and systematic approach towards investment in different areas.
So you want to go on a super fantastic, life changing hip trip. I am talking about some holiday! Here are some quick tips to get you started.The hardest step in this process is to make up your mind to go. The rest of the planning is just a series of mini steps in the right direction. So, are you ready? Is your mind made up?
Yes? Good, then get ready to take some mini steps!
No? Good, then get ready to take some mini steps anyway. Once you have planned the hippest of trips, you may ready to commit!
In planning your trip you only have to answer the five questions: Why, Who, Where, When and How.Why Travel Start with the why. This is a philosophical question and whatever your answer, it will reflect your life values. Some people look at travel as a luxury, some as an education and some as a necessity to feed the soul.How do you see travel in relation to your life values? Is your purpose to:
connect with family and friends?
rest and recuperate from a stressful life?
explore and adventure?
challenge your physical and mental prowess?
develop your spiritual self?
understand the world more completely?
Once you know your purpose, you can develop your trip plan to meet your needs more effectively.With Whom to TravelAre you going alone or with companions? Picking travel companions is a mini step, but it is also a big decision.Traveling with others can really add enjoyment to your hip trip. You share common experiences, memories and have someone with whom to reflect. Expenses can be shared for things like accommodations and transportation.Traveling with others offers the challenge of compromise. Consideration needs to be given to the needs of each individual. Decisions may be shared as to itinerary, pace and travel style. A short trip together before embarking on a long sojourn can help identify issues that need to be addressed.Traveling alone offers you complete freedom to decide where, when, how and why to go. You can be more spontaneous with less compromise. However, you can miss the companionship of shared experience and seeing things through the eyes of another person.Where to Travel Where are you going? Maybe this is obvious, like I am going to visit my mother in ___. But maybe this is a question that needs to be answered.Make a list of all of the places that you would like to see and experience. Really think about what your passions are in life. What ideas make your heart rate increase? Cross-off ones that are obviously not doable like Going to the moon! Highlight the ones that most catch your fancy.Now use your favorite techniques for making a choice. You can do preliminary research on each area, make a Pros/Cons chart or throw a dart at a map.Once you make the decision about where to go, the real research begins.
Check in with your favorite Travel Agent.
Scour the Internet for opportunities.
Get a guidebook and read it. Get two.
Jot notes about the various areas as you read or highlight interesting items so you can easily find them again.
Consider organized tours for specialty interests. Often a tour can get you in to sites and teach you aspects that you could not experience independently. Very often they can get you there cheaper. You can add an independent phase at the beginning or end of your trip if you wish.When to TravelThis is easy if you have an event around which you are planning such as a festival or a specialty tour. Good advice is to consider traveling on the outer edges of the high season. The deals are usually better, the crowds thinner and the weather is often still good.How to Make Your Travel PlansGet a passport now if your trip is international. Set up a fare watcher for airfares if you will be traveling by plane. Rough out an itinerary and a timeline. List your favorite ideas of places to visit and map these out on a map. Cross off the places that range too far off the path, unless one of those is the primary reason that you picked that hip trip. Estimate the time it will take to visit each destination and again cross out the places for which you do not have time.Rough out a budget for your trip. Again you may need to cross off something that sounds interesting, but is out of your budget.Always plan your itinerary with the knowledge that you will come back in the future. Do not try to do it all unless you have unlimited time and money. In that case, go for it! But for most of us there will be restraints on time, money or both!Minimize one night stays. Then you can get a feel for a place and dig a little bit deeper. It takes a lot of time and energy to get from one place to another. Your goal is to BE THERE, alive, alert and engaged.ConclusionPlanning a trip is simply a series of small steps in which you answer basic questions. Begin now to take these steps and soon you will have planned a super fantastic hip trip!Travel Planner: Getting Started is the first part in a three part series.
Travel Planner: Making Arrangements addresses packing, what to take, making arrangements for transportation and accommodations.
Travel Planner: On the Road addresses the nuts and bolts of transportation, changing money, language barriers, eating and sleeping on the road.
Health care management is extremely important in the future of the world’s health care, and not just specifically in this country. It is from health care management schemes that most of the future medical professionals will emerge fully trained and ready to help resolve the differences in health care that currently blight the United States. At the moment, those that do not have health insurance are suffering as a result of rising health care costs because there is no way that they can afford to pay for any treatment that they need. Health care management is currently training the next generation that actually may be able to change the world and the nation’s health for the better.Health care management is extremely effective and is growing by the day. It can be extremely influential and find the best doctors and nurses for crucial roles within the health care system. The amount of positions available to be filled by health care management are also growing by the week because supply is often a good deal smaller than demand. As a result, there are great opportunities in the field for graduates and those that are training at the moment. Careers offered by health care management are highly rewarding, both financially and personally because you actually get to help people. The leadership roles that are offered mean that you actually get a say, however small, in how this country’s health care system is run. By ensuring that everyone gets proper treatment, and the treatment they deserve at that, things may really improve within the health care system itself.Health care management training can often lead to jobs in various medical institutions, from hospitals to clinics to health insurance. Many Health Care Providers professionals work in the latter to ensure that everyone gets the cover that they need and can afford. It may even lead to work in research centres and thus an individual can help improve the world as a whole by developing cures and treatments that do not exist at the moment. The work is extremely demanding but also completely worthwhile. In fact, it is more rewarding than most other careers out there at the moment.To be successful in health care management, you have to be very dedicated to the profession itself. It can be very stressful at times but is completely worth it when you look at the rewards on offer, on a personal level as well as on a humanitarian level. There are also chances to progress, which will give an individual more influence and ability to change the world. Is that not the point behind health care management in the first place?
The health plan that President Obama is proposing is going to be efficient and effective. In order to be efficient it would have to be streamlined and working well, for example, there couldn’t be loads of bad debt sitting on the books. In order to be efficient, the bad debt would have to be collected and always try to be up to date or very minimal. Currently 5% of hospitals gross revenues are written off to bad debt and charity and this is before the implementation of the health care plan.Some collectors have told me that they are worried that third party collectors or collection departments receiving payments through the proposed plan may take longer than an outside insurance agency or a personal payment could take to get paid. As debt collectors we are used to slow payers but always working on new ways that payments can be obtained more quickly rather than slower. With this new program, many collectors are worried that payments will be slower which we will be forced to accept since it is a government program. On November 25, 2008, InsideARM said that “Debt collectors who currently specialize in medical receivables shouldn’t expect fewer accounts, but the balances forwarded to them by clients may be smaller.” According to Kaulkin Ginsbergs Health Care Analyst Michael Klozotsky, “Just because you insure more people, it’s not going to drop people’s co-pays and deductibles”.According to Paul B. Ginsburg, Ph.D, “For payment reform to reach its potential, Medicaid programs and private payers of medical care such as insurance companies should participate in developing new Medicare payment methods and follow them to the extent possible. Many health care providers have substantial market power and the ability to offset Medicare payment reductions with increases for private payers, so creating payment structures that are uniform across payers can increase the potential of payment reform to change provider behavior. If a public health insurance plan is a part of health reform, then an all-payer rate-setting structure could help establish a level playing field for all health insurance plans.”The White House.gov website says, “The President has vowed that the health reform process will be different in his Administration – an open, inclusive, and transparent process where all ideas are encouraged and all parties work together to find a solution to the health care crisis. Working together with members of Congress, doctors and hospitals, businesses and unions, and other key health care stakeholders, the President is committed to making sure we finally enact comprehensive health care reform.”The Administration believes that comprehensive health reform should:o Reduce long-term growth of health care costs for businesses and government
o Protect families from bankruptcy or debt because of health care costs
o Guarantee choice of doctors and health plans
o Invest in prevention and wellness
o Improve patient safety and quality of care
o Assure affordable, quality health coverage for all Americans
o Maintain coverage when you change or lose your job
o End barriers to coverage for people with pre-existing medical conditionsWhat does it mean for your business if this health care plan protects families or consumers from bankruptcy or debt due to the costs of maintaining their health. How will consumers avoid the debt of health care costs to stay healthy when they cannot afford it? I am all for helping consumers stay out of debt, but have concerns about how this new bill protects consumers from the debt of medical bills and how will this affect third party collectors.Small businesses are an important source of job growth in the United States. Firms with fewer than 20 employees accounted for approximately 18 percent of private sector jobs in 2006, but nearly 25 percent of net employment growth from 1992 to 2005. Many collection agencies are small businesses, and have many questions on how this plan will affect how they collect debt, how much debt they are able to collect and how much time they will have to wait to get paid if they get paid at all. Recently, during my consulting calls I was working with someone who is considering starting a medical collection agency and is worried there won’t be a demand for his services or any debt out there to collect based on this healthcare plan. In my opinion medical collectors should not worry about repercussions of the Universal Healthcare plan, there will still be plenty of work.You can take steps now to prepare for this new plan, consider how you accept other government payments or deal with their offices and this may be similar. Set up policies and procedures now to use when the plan goes into affect. Once you start working with your policies when the plan is in place, you can tweak it to fit your billing and accounting practices. Just talking about it with your employees will help everyone to feel more comfortable with the plan once it is in place, everyone will have heard about it and will have an idea on how to handle those accounts immediately. The more efficient and effective you can be, the quicker you may get paid. Agencies can also assist with the insurance collections and will find an increase in that line of business, the providers will find it hard to educated, train and hire staff to deal with the additional follow up and if they move or shift workers from dealing with self pay accounts this would not compensate for the increased workload of collecting from the insurer. As one reader stated, “Anything the Government gets involved in becomes more complicated and complex, clients will need their collection agencies to help them deal with this even more.”Free enterprise will always prevail. The insurance companies that are out there now, aren’t going to go away once we have this new healthcare option. The biggest impact I have found that debt collectors foresee with this new plan is how slow they may be paid or how slowly their clients may be paid. Start working with your medical clients and help them work with their patients so that they can serve as an advocate and show empathy for each individual situation and help them to work on a realistic payment plan – your job as the collector – enforce that payment plan. The longer you wait, the worse off you are – catch accounts that need help early and you will be ahead of the game.