Would you rather make money by working the rest of your life or make money investing the dollars you have accumulated? As they say, you can either work for it, or you can make your money work for you. There is only one problem with the obvious answer here: most folks are somewhat clueless, and to make money without going to work you first need to learn to invest. Let’s get started.In order to make money investing over the long term your goal should be to make your money grow at a rate that at least outpaces inflation and taxes. Otherwise, you’re not getting ahead; you’re treading water at best. You must first understand that growth is the objective, and then you need to learn to invest money so you can put it to work. There is no secret formula to make money investing, but there is a shortcut if you really want to learn to invest, especially if you sometimes feel clueless.Here’s why people feel clueless: they don’t know what their choices are or what to look for when investing money. These are the basics, and until you understand them your odds are poor if you want to make money investing over the long term. Plus, you will likely never feel comfortable, especially if you’ve lost money in the past. It is very difficult to learn to invest piecemeal… picking up one nugget of information at a time. The pieces of the puzzle just won’t ever seem to fit together.So, here we start at the beginning, the ground floor. This is your shortcut if you want to learn to invest money with a firm foundation so that the pieces of the puzzle start to fit together and make sense. There are only four basic choices that any of us have, and if you want to make money investing over the long term you should get a handle on all four of them. Here they are in order of least risk (with lower profit potential) to higher risk (with greater profit potential): cash & savings, bonds, stocks, and alternative investments. That’s it.The first choice simply pays interest and features safety. Think of checking accounts, savings accounts, CDs, T-bills and money market funds. The second choice offers higher interest income with moderate risk. Here we have Treasury bonds, municipal, corporate, investment grade, junk and a multitude of other bonds as well as bond funds. If you want to make money investing without too much risk you should include both of these safer choices in your portfolio.Your third choice is stocks, your primary growth engine, and it obviously involves risk. You make money in stocks through price appreciation (rising stock prices) and from dividends. Here you find terms like blue-chips, high quality, low-priced, growth, growth and income, industrials, financial, high-tech and so on to describe them. You don’t really need to learn to invest in individual stocks; you can go with stock funds and let them do the stock picking for you. But if you are going to achieve growth, stocks can not be avoided.The fourth category of choices is growth oriented and risk can be significant as well. Some professionals in the financial services business ignore it or consider these alternative investments unnecessary. The list is long, but think: real estate, natural resources, gold, silver, oil, and other commodities like aluminum and copper. I feel that if you ignore these choices, you’re missing out on the opportunity to make money investing when the likes of stocks and bonds are out of favor. The good news: you don’t need to learn to invest in real estate, gold, oil and so on. Mutual funds are available that do the heavy work for you in all of these areas.Now you know your basic choices. The next step is to ask a few basic questions, and here are some questions you need to ask anytime you consider making a specific investment in any of the four basic areas. Ask about: liquidity, safety, income, growth potential, income taxes, and the costs involved. Ask yourself and then find the answers, or ask the person (like a financial planner) who is making a recommendation to you. Never ignore the costs involved. You are trying to make money investing. High costs only work against you.You can’t learn to invest money by reading one article, but you can get pointed in the right direction. That’s what I have tried to do here by starting at the beginning. Once you have a handle on the basics, it’s a whole lot easier to learn the rest. Don’t give up, and stay focused on your objective: to make money investing so you don’t need to work for the rest of your life.
Travelling over long distances can be uncertain, because sometimes you can be delayed in the train station, you can encounter luggage loss, and your luggage can be stolen while you wait for the train and many other unfortunate incidents. This is why you are advised to take a travel cover to make sure that you are shielded against these losses.Below are several reasons why you should get yourself an insurance cover when you are travelling by train, if you do not want to experience losses that might ruin your travel.Delays and cancellationsIn many under-developed countries, delays and cancellations of journeys are frequent especially in the railway stations. This can be caused by anything from bad weather, insecurity, mechanical problems and many other causes.However, with train travel insurance policy, you end up getting compensation for any cancellations or delays. It leaves you in a good place, hence minimizing any inconveniences that you may have encountered.RepatriationIn some cases, such as if there is insecurity, the insured may be taken back to his or her home country if he or she cannot continue with the booked train journey.Cover for stolen or lost belongingsDue to the recklessness of some rail companies, your property can end up stolen or lost. The insurance company will come through and you will get compensation if you had insured your property against the loss.AccidentIn case of an accident, the insurance company comes through and takes care of your medical bills through compensating you for the loss you have suffered. Compensation may be necessary if you end up losing your senses, mobility, legs, and hands or even in cases of death.Missed departureIf you end up missing your train, the cover may help in that the insurance company may take up the liability of the loss and you will not be penalized in any way.Some policies may cover loss of tickets and documentsSometimes you may lose your tickets, documents or money. If you had taken the cover you may end up receiving compensation for the lost belongings and documents.Emergency treatmentSome companies cover your health when you are aboard. In case an illness strikes, you are able to receive treatment under the cost of your insurance company without even paying a single penny.The convenience that comes with obtaining a travel insurance cover is unrivalled, since it is good to be prepared well especially if you are always taking long distance trains.
Home health care encompasses many different types of health care services which are provided in the patient’s home. This can include visits from nurses, physical therapists, speech therapists, occupational therapists, social workers, and nursing assistants. Home health care can mean a one time visit or 24 hour a day care.The patients who receive health care from home are just as diverse. They can be the elderly who live alone or an infant who is on life support. The goal of home health care is to keep the patient in their own home while ensuring good medical care. This kind of health care reduces overall health care costs since these patients do not have to pay for hospital rooms and services.Health care services at home may be administered by a local hospital or an independent agency. End of life health care from home is often provided by Hospice. It is important to make sure you hire credentialed home healthcare workers when you are looking for home health care. Healthcare practitioners who provide this service must be fully licensed just like their counterparts who work in hospitals or nursing homes.This particular service is usually covered by insurance, at least in part, if it is ordered by a physician. Insurance companies are generally supportive of home health care because it costs them less money to cover a patient at home as opposed to covering the cost of a hospital stay.This services may include the following:1) A visit from a registered nurse for evaluations or to administer IV medications.
2) A visit from a respiratory therapist to maintain medical equipment.
3) A visit from a physical therapist for a session of rehabilitation exercises.
4) Around the clock care by certified nursing assistants.
5) Overnight coverage by a sitter.Health care services at home will usually be arranged by the hospital, nursing home, or physician after a hospitalization and before the patient is sent home. Insurance arrangements will be made before hand and the approved number of visits and type of care will be determined. If the patient does not need much hands-on care, but requires supervision, a sitter may be indicated. If the patient needs to be fed, bathed, or given medications, a nursing assistant may be sent for part of the day. Home health care workers have specific tasks which they are and are not allowed to do according to their license.
With the growing need for proper healthcare administration, it cannot be denied that the medical industry is expanding its services as well. Due to these, getting appropriate medical care can be quite difficult for many, especially with the existing laws that cover certain health concerns. The so called healthcare law encapsulate the statutes and regulations that regulate hospital and general medical administration. However, as these governing body is truly complex, the need for healthcare lawyers, who could provide answers to relating questions, has also been growing exponentially.A health care attorney is capable of interpreting highly complex regulations and statutes. This type of lawyer advises hospitals, pharmaceutical companies, physicians, insurer, other providers, and even patients regarding matters that are under the governing body of the law. This means that they are highly qualified to provide medical professionals and patients alike with information about medico-legal concepts that are hard to understand and synthesize. Licensing, reimbursements, malpractice litigation, medical insurance, risk managements, and general corporate management issues are just some of the many medical matters that can be properly addressed by lawyers.Because of the wide scope of the law, providers and patients alike definitely need to employ the service of a specialized attorney so as to receive appropriate legal counseling that could address their issues. For health care practitioners, healthcare lawyers are helpful in furnishing information as well as answering questions about the legalities of different matters including bioethical issues like Medicare and Medicaid compliance, assisted reproduction and introduction of new technologies in accordance to patient privacy laws. In addition, they collaborate with hospitals and other institutions and organizations for litigation such as defense for medical malpractice, commercial and labor disputes, antitrust and abuse litigation, and fraud. As for patients, lawyers can assist them with their private insurance policies, estate planning as well as their patient rights.These lawyers have a wide clientele base. In fact, aside from their physician and patient clients they also work for health insurance companies, pharmaceutical companies and other known and registered health organizations. Similarly, they also legally stand in behalf of ambulatory surgical centers, dental practices, laboratories as well as nurses, chiropractors, dentists and podiatrists. Seemingly, this client base is a clear evidence of the growing demand for these kind of lawyers.As with any law practice, strong logic and analysis are two important characteristics that a practitioner must exude. When it comes to practicing health law, it is essential to have strong affinity towards the policies and legal process of the health care system. Hence, if you are looking for an attorney who would address your health care concerns, make sure that the person you would employ has acquired a Juris doctorate degree, has a license and had passed the Bar examination. You have to consider all these things for you to ensure that you would be getting appropriate legal counsel.There are myriads of law firms today that offer specialize in healthcare law and offer the services of these types of lawyers. However, before you contact them, make sure that you do extensive background check about your prospective law firms or health care lawyers. One of the best things you can do is to ask your fellow medical professionals or patients who have already tried the services of health care lawyers, so that they would be able to make recommendations that could help you with your decision. Although you may not be experiencing any issues concerning your health care practice or needs, it is always best to have a legal counsel to prepare you in case problems arise in the future.The health system has complex laws that are not fully understood by most medical practitioners and patients alike. Because of this, employing the services of a health care attorney is therefore imperative in order to have better grasp on these governing laws. Lawyers who specialize in this kind of laws can provide medical practitioners and organizations with medico-legal counsels that are essential for the improvement of providing medical services to people.