Free Cash Grants to Upgrade Your Home

Home owners who want to upgrade their home with new equipment and appliances can apply for home improvement grants, which can provide you with the cash you need to purchase and install your upgrades. Particularly if you would like to use more energy efficient products and models, there are a number of government and private foundation grants that can help you pay for those changes.

Once you search the grant database, you’ll quickly realize there are many programs that you may qualify for. Review the eligibility requirements, submit your application, and wait to see if you are approved. Once approved, you’ll not only get the cash you need to assist you with your home improvement projects, but you’ll never have to pay the money back.

There are also tax credits that you can receive for using energy efficient products. That’s why it may cost you a little money up-front to install and purchase new equipment and appliances, but there could be a greater savings on the backed. Particularly if you are receiving free grant money to help you finance the entire project.

But just because the grants are available does not mean you automatically are entitled to receive them. There is an application process and approval process, but there is also a way to put the odds in your favor. Learn these ticks to put your grant application in a favorable position, and there is a lot of money that you may be able to qualify to receive. There is no limit on the number of grants you can apply for and receive either.

Quick Facts on HIPPA Violations

HIPPA is an abbreviation of Health Insurance Portability and Accountability Act and was introduced by the congress in 1996. This rule assures that a person is given good and quality health coverage even amid jobs. As soon as a person quits a job, he looses the insurance cover completely and the new assurance company considers illness if any as pre-existing and gives a very low coverage or nothing, prior this law. For instance, consider a person who suffers from diabetes and is under medication, the new company will consider this as pre-existing and will not pay for medicines.

The main goal of HIPPA law is to make health care simpler and maintain the security of patient’s medical information. If you feel that your health care provider has breached privacy, you can certainly take it legal provided all are in records and it can be reported to the state insurance commissioner.

There are different circumstances under which the law is infringed. The health care provider or the insurance company might violate HIPPA without even knowing what it is. At times there could be a valid reason for going against the same and not due to negligence. HIPPA violation due to unruly slackness, but corrected within a period of time receives a high penalty and willful negligence not at all corrected and repeated often is given the maximum sentence. Whatever it is when there is a breach of any kind that comes under this act; record all conversation.

A case can also be filed under criminal penalty if the health care provider or the insurance company discloses your personal health information knowingly for money. Selling it to a third party for any reason or for personal gains which can cause harm is offensive. They face a fine of up to $50,000 and detention for a year, but however no private cause of action is taken against the person who disobeyed.

Getting Our Priorities in Order

He had bought one of those high-priced, high-performance European models – it was sleek and sexy – he loved it.

And boy did he take care of it.

– he washed the outside.

– he vacuumed the insides.

– he serviced it regularly;

– changed the air filter to assist in breathing.

– changed the oil filter.

– used nothing but top grade oil.

– filled it up at the pumps with high octane fuel.

He checked all the little things;

– air pressure to reduce rolling friction

– lubrication of all moving parts

– levels of all fluids – including the windshield washer fluid – he
really wanted to see where he was going at all times.

He was very proud of this, his most prized possession.

He knew he had a winner – especially when he received all those
envious glances while driving through the check-out lane at the
fast-food outlet.

She, had bought a cute, cuddly little designer dog – one that
would fit into the ultra modern apartment complex she had purchased.

Nothing was too good for it –

– it had it’s own bed, it’s own blankets – but it still slept in her bed.

– she groomed, clipped and pampered her pet.

– it ate only the best and choicest of dog foods.

It was;

– vaccinated,

– de-wormed,

– de-fleaed,

– de-ticked

– and if there wasn’t enough for weekly groceries, it wasn’t the dog
that went short.

And all her friends commented on how smart the pet was.

Yes, it’s sad but true – we take better care of ‘things’ than we do
ourselves.

Tips In Using Pre-Blended Mortar Mix

Most individuals plan DIY tasks to make their homes and properties appealing and strong. And, individuals use reliable materials when building such as cement. However, there are cases when cement is not suitable for such areas. Or perhaps, there are better alternatives for cement like pre-blended mortar mix.

Pre-blended mortar mix is designed for both professional and DIY persons since it is easy to use. In addition, this type of mix is suitable for brickwork, blockwork and stone laying needs. Other than that, homeowners can also use mortar mix in creating letterboxes, paving, retaining walls and garden beds. But, in order to create all of these, it is imperative to know how to use pre-blended mortar mix. To help you, below are some tips you need to know.

Mixing Tips

When mixing mortar, make sure your project is properly laid out with all the necessary tools at hand.

  • Next, individuals need to pour the required amount of mortar into a wheel barrow or a clean bucket. It is important to ensure you use contents as soon as possible after opening the product packaging.
  • After which, calculate the amount of water you will need. For each 10kg of Mortar add 1.6 litres of water.
  • Add water gradually and mix thoroughly to a stiff consistency (e.g. until the mix just slips off the trowel when lightly flicked). Note: Excess water can ruin good mortar. Should too much water be added, leave the mixture aside until it thickens to a workable consistency.
  • Finally, the mortar is now ready to trowel onto bricks or blocks.

Storage Tips

In case that you have not used all the pre-blended mix, it is imperative that you store it properly.

Most of the time, can be kept for up to six months if kept in a dry environment, off the ground and providing the bags remain sealed. Individuals must be aware that factors like high temperature and high humidity conditions may reduce the storage life of the product.

Safety Precautions

When using mortar mix, it is also best that you how to safely use it. Below are some safety tips.

During use, avoid inhalation of dust and contact with the skin and eyes. Wear suitable clothing, gloves, eye protection and respiratory protective equipment since it contains cement powders which can be harmful to the skin.

If contact with the skin occurs, individuals need to thoroughly clean the area with plenty of fresh water and soap. Meanwhile, in case of contact with the eyes rinse with plenty of fresh water and seek medical advice. And, if swallowed, seek medical attention immediately. Do not induce vomiting.

These are only some of the essential tips that individuals need to know when using pre-blended mortar mix.

Divorce 101 for Filipinos

Here’s a situation: A and B, both Filipinos, went to the United States to get married. After several years, marital troubles started to occur between the couple and after efforts at reconciliation failed, the two started to part ways. They figured that since they were married in abroad, they decided to get a divorce in the US.

Upon return to the Philippines, after obtaining a decree of divorce, A and B mutually divided their properties between them and went their separate ways. Now, here’s where it gets tricky: Apparently, A incurred debts after their ‘divorce’. And now creditors are after not just A’s properties but also that B’s, which left the latter distraught. Is this even possible? Yes.

First things first: Divorce is NOT applicable to Filipinos. Even if the couple successfully obtains a decree of divorce, the same is VOID in the Philippines. In effect, in the eyes of the law, the couple is still legally bound as husband and wife.

Art. 15, otherwise known as the Nationality Principle, of the New Civil Code provides:

Laws relating to family rights and duties, or to the status, condition and legal capacity of persons are binding upon citizens of the Philippines, even though living abroad.

Given this, the creditors may go after the property of B as the same forms part of the community property of with A. After all, they are still a married couple.

However, Divorce obtained outside the country, may, in certain instances, be recognized in the Philippines. How?

Article 26 of the Family Code, reads:

All marriages solemnized outside the Philippines in accordance with the laws in force in the country where they were solemnized, and valid there as such, shall also be valid in this country, except those prohibited under Articles 35(1), (4), (5) and (6), 36, 37 and 38.

Where a marriage between a Filipino citizen and a foreigner is validly celebrated and a divorce is thereafter validly obtained abroad by the alien spouse capacitating him or her to remarry, the Filipino spouse shall have capacity to remarry under Philippine law.

What makes this provision applicable to Filipinos are the presence of the following elements:

  1. That the there is a valid marriage between a Filipino and a foreigner.
  2. That the alien spouse obtains the divorce abroad and such decree capacitates him/her to remarry.

What if the Filipino later on became a naturalized foreign citizen, is this now applicable to him? It depends. In Republic vs. Orbecido III, the Supreme Court ruled that: “The reckoning point is not the citizenship of the parties at the time of marriage, but their citizenship at the time a valid divorce is obtained abroad by the alien spouse capacitating the latter to remarry.”

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Can You Mix Inalienable Rights With the Business of Medicine?

Actually, we think our work is done, simply by asking the question. Thomas Jefferson tossed the wrench into the process by suggesting in the Declaration of Independence that Americans should have inalienable rights including life, liberty and the pursuit of happiness.

Setting liberty and the pursuit of happiness aside, for now, generally, we divide rights into those which are natural versus legal. Clearly, we have some rights simply because they are allowed and supported by our highly malleable laws and legal system. Other rights are considered essentially independent of law, current acceptable social manner, contemporary political correctness, and leanings of the present government. These rights are seen as expected or natural. And, that which is natural or universal comes to be seen as inalienable.

Rights define our senses of behavioral freedom and sense of entitlement. They circumscribe our expectations of our behavior, that of others, and that expected of corporate entities which are often referred to as if sentient. In our civilization, a body of people of shared civil manners and rights are the bricks and mortar forming the infrastructure of morality, law, and governance we share.

From this point, you work backward. Considering government to be the arbiter, the issues pertinent to unalienable rights are then based upon the society’s decisions defining our morality. Morality is an essential element because inalienable rights generally address the “good,” by necessity defining the bad, right, wrong, and so on. Of course, different religious/spiritual groups, Atheists, legalism and the undecided regarding a source of ultimate moral authority never all agree on the “good”. Even inalienable rights are always a socially dynamic issue, including the definitions and rights pertaining to “life”.

If in the U.S. there is such an entity as an inalienable right to life, then such encompasses the inalienable right to that which keeps you alive. That is, you cannot live without attending to the needs for food, water and all that which protects you from, or is applied in response to the adverse effects of living in our world (AAOL). We do not all have access to ideal food and water, but we shall also be put that aside for now. However, what is society’s responsibility to address the AAOL on people’s well-being? If the effects of AAOL are physical and mental illness, injury, disease, and disability, then it would appear that comprehensive medical care for our citizens is the appropriate response to addressing this inalienable right.

Presume that everyone both empowered and relevant to considering the above arguments drew comparable conclusions. In that case, they would agree that every citizen should have access to comparable medical care. The challenges then become 1) access as primarily defined by the distribution of care facilities, appropriate service providers, and products, and 2) management of quality and cost of products/services delivery.

The cost of all contemporary medical products, services, and related insurance rises much faster, year over year than personal incomes and net revenue growth of the average business. So, most Americans and their employers are not prepared to handle the costs of medical care purchase directly or via insurance. Issues of access and distribution aside, government intervention to address medical care as an inalienable right then means either 1) marked cost capping and controlling consumer fees, 2) subsidizing patient payments, or 3) a combination. Capping and controlling costs would cause an evolution in the business of medicine. All participants (pharmaceutical companies, medical instruments and soft goods manufacturers, sales/distribution organizations, clinicians, insurers, IT services and others) in the industry would need to reconsider their margins, as well as their ability and willingness to remain in the medical industry. However, our government needs to control the sometimes markedly excessive and inflationary medical billing practices. Capping and controlling costs should ideally be tackled first, addressing runaway fees associated with hospital services, pharmaceutical products, surgical procedures, medical hardware, other medical technologies and insurance coverage. All components of the medical system will resist capping and controlling fee schedules.

Providing patient fee subsidies will always be fraught with inflationary excesses, deductibles and patient portions of bills would need to be eliminated. Even nominal point of service charges could always be a challenge unless the net annual out of pocket personal expenditures do not exceed the price of a visit to a fast food venue eliminate them. Otherwise, the middle and lower economic strata and their [potential] employers would continue to be obliged to choose between eating, acquisition of other necessities, employment and offering benefits. Additionally, service providers should not be allowed to bill in excess of fee schedules, writing off the excesses as tax deductions.

There are many products and services people should not expect to purchase if they have not financially successful in life to the extent of their more affluent neighbors. As such, nobody would suggest that all have the inalienable right to own a brand new luxury automobile, yacht or personal jet. However, if as a society we state that life, including full, high-quality medical care is an inalienable right of American citizens, then we should deliver it, without burdening others. But, there is “no free lunch” even regarding medical care. So what does “full, high-quality medical care for all citizens, without burdening others” actually mean? It may need to be defined in two ways: 1) products and services price caps, and 2) society attitude adjustment.

Regarding society attitude adjustment, as an example, we already provide military services to protect the entire nation without attempting to provide some stratified, sliding scale, itemized bill to each citizen. Medical services could be addressed in a similar manner. If medical businesses were all conscripted, essentially indefinitely subcontracted, to deliver care in a uniform manner (e.g., blend of active military care and preferred provider organization models), with a central payer and QA provider, maybe we could do it.

However, unlike changes in health measures, per capita, government spending on healthcare is a poor indicator of the effectiveness of U.S. medical care. Neither is ACA enrollment a measure of care delivery or effective care (e.g., see if holding a season ticket is a measure of NFL game attendance this year). Throwing taxpayer money at a series of poorly cobbled strategies is not an effective national medical care solution. Inalienable right or not, we cannot deliver broad-based high-quality medical care to all citizens via current medical business models.

The Apartment Market in Tel Aviv – Real Estate Agencies Point of View

There are fraudulent dealings – closed-in verandas or kitchens are transformed into residential units, small apartments divided into even smaller units of 18-20 sq.m, providing good money for the property owner, much more than from an original apartment not divided up.

Many Real Estate agents and property entrepreneurs maintain this trend must be restricted. Aside from an ethical aspect, life quality of other residents is affected in these apartment buildings where divided-up units lead to over-populated buildings, over-use of the elevator in relation to number of apartments, lack of parking space and decrease of real estate value of other apartments in the building.

This causes decline in sale and market value of apartments in these buildings. This is another reason for the raised voices from residents in this type of apartment building.

Tel Aviv municipality, agents and property entrepreneurs can tell you that the above-described fraudulent dealings are illegal. In practice, when residents complain, the municipal law enforcement department takes action in cases of dividing apartments . If the building is still in the process of being constructed it is simpler to demolish them; buildings that have been in the market for several years are more difficult to deal with.

In general, do not deal with apartments of this type.

Most apartments are rented directly from the apartment owner: i.e. the renter.
Besides this, there is not much profit for agents in a deal like this when compared with the profit from sale of a new apartment. Many agents companies prefer to seize exclusive and imposing projects from which they earn fat commission.

Home Improvement Projects

When people are faced with dusting off the old tool belt and buckling it up once more, they may feel intimidated by the amount of work that lay before them. One may feel overwhelmed with the amount of work they must put in to these improvement projects that seem rather insignificant. Procrastination often ensues and the projects go untouched for even longer, further hurting the appearance or even healthiness of one’s home.

Home improvement projects do not have to be such a hassle and do not have to burden the homeowner one bit if the proper amount of careful planning is implemented to help alleviate some of this burden. Planning could refer to determining each step in the project before beginning. This is always a wise thing to do, especially if the homeowners plan on performing the work themselves. However, most homeowners do not possess the proper skill or know-how to complete these jobs effectively and efficiently. They often end up making a mess of the situation and can even fix things until they are actually broken. We have all seen the ‘handy’ dad in TV and film, in which he claims to know what he is doing, but often screws up a project beyond recognition, requiring the services of a professional handyman or contractor to complete their simple home improvement project.

Unfortunately, this is not that uncommon of an occurrence in the real world either. Hiring a contractor to perform the home improvement projects around your house will often save you both time and money. It will also ensure that the project is done right and effectively.

Healthcare Scenario of Bangalore

HEALTH SERVICES

The health-care scenario in Bengaluru city is a mix of plenty and scarcity. A number of government bodies and schemes provide health services. In infrastructure terms, if all primary health facilities maintained by different government bodies were combined, there are likely to be enough centers to 2 Health care in Bengaluru city – need for a participatory, comprehensive health plan meet the primary care needs of the population. The city is also host to autonomous institutions with high caliber medical professionals, such as National Institute of Mental Health and Neuroscience (NIMHANS) and the Jayadeva Institute of Cardiology. Further, like in other urban areas, a huge private sector caters to the health needs of the population.

Bengaluru is a hub for medical tourism, with super-specialty hospitals boasting state-of-the-art treatment facilities. On the other hand, the communities that particularly need public health services, such as the urban poor and working classes, are unable to access them due to the shortage of medical staff, lack of medicines and diagnostic services, high levels of corruption and the low sensitivity towards their needs. They end up using the private sector, which is an expensive option, or postpone essential health care – an even more expensive option for which the individual, family and society pay a price. There have been cases of women delivering babies at home or in auto-rickshaws as they were turned away at Maternity Homes and did not have time to reach a secondary or tertiary institution, or the resources to get there. Tertiary care is expensive even in government hospitals due to bed charges, medicines and other expenses. The result is high levels of indebtedness and health indicators among the urban poor that are almost as bad as the rural poor.

Government hospitals have a few advantages over private hospitals, which make them better and efficient for patients. This includes their facilities are affordable in cost, which is an advantage for the masses, who cannot afford expensive treatments. Best doctors are majorly found in the southern part of India. Bengaluru has a few government hospitals that make them stand out in other private ones.

In order to make health care available to the weaker sections of society Bengaluru is dotted with numerous government hospitals. Most of the government hospitals in Bengaluru are run and managed by the municipal corporation of the city. The government hospitals in Bengaluru are usually multi-specialty hospitals

Medical Ethics – Not A Dying Subject

As morals in medicine are on the verge of decline, it is all the more important to uphold medical ethics in all circumstances. Health care and education are recognized as the basic elements to ensure the survival of society into future generations. If their principles are not built on strong foundations to withstand the constant erosion of values, it is likened to the foolish man who built his house on sand and was washed away by the floods.

Solid principles in delivering health care services revolve around its code of ethics. Challenges may arise in the form of misuse or abuse of medications, procedures, treatments and other forms related to the field. Staff may be harassed or enticed to look the other way. Banking on the assumption of non involvement translating to innocence, the fact remains that knowledge without action is equivalent to condoning the act.

The role of medical ethics within its world of practice and study deserves due recognition. As such, morals in medicine should be a subject consistently extolled in the corridors and halls, drummed into the minds of health care practitioners of all status and levels. It is not sufficient for the general to be the only party aware of the enemy’s presence. The troops also need to be equipped to do battle.

As the world is a melting pot of cultures and religions, there is a need to understand the various styles of living so as not to overstep one’s boundaries and cause a misunderstanding. A practice of medical service which may be acceptable to a people group may be taboo to another. Some religions do not adhere to blood transfusions. More radical ones may choose to not seek treatment as they believe in healing via means other than the hands of man. Hence, one needs to be sensitive in dealing with such situations as medical ethics dictates the saving of lives.