With loan terms being extended and monthly car notes increasing, many already overextended consumers are falling deeper into debt--almost $2 trillion in outstanding consumer debt to be exact. Auto loans rank second only to a homeowner's mortgage and an apartment renter's credit card bills, according to https://www.eloan.com/ Federal Reserve data. Although the number of new vehicle delinquencies decreased to 1.58% in 2003 according to the Consumer Bankers Association's 2003 Automobile Finance Study, fall behind in your car payments and the possibility of a visit from a repo man becomes reality.
When Renee Taylor (not her real name) of Fayetteville, North Carolina, and her husband were shopping for a home 10 years ago, a mortgage officer at the now-defunct Home Federal Savings & Loan Bank suggested Taylor voluntarily give up her 1985 Nissan Sentra to lower her debt-to-income ratio. Making only $18,000 at the time, Taylor complied. "Although the bank was able to recoup the full value remaining on the car when it resold it, there was no distinction between me handing back the ear on my own accord and them repossessing it," she says.
That's because whether you voluntarily return your car to the lender or it is repossessed, you are responsible for the lender's loss on the car and any fees covering that loss. Once repossessed, your car can be sold at an auction, for an amount that does not cover the balance of the loan. In that case, you must pay the difference between what the lender gets after selling the car and the amount owed on your contract, also known as the "deficiency."
The creditor may then file a lawsuit, obtain a deficiency judgment, and try to recoup the difference by acquiring your other assets, such as bank accounts, and may even garnish your wages. Although credit reporting agencies differentiate between voluntary and involuntary repossessions on their reports, it won't make a difference when you apply for new credit. The repossession stays on your report, for seven years.
"Business is definitely on the increase despite what people are saying about the economy. We stay pretty busy," says Ernest Sambrano, operations director for Global Recovery, a collateral repossession and bail enforcer company based in Phoenix. "We work 24 hours, seven days a week, 365 days of the year," adds Sambrano, who has as many as 40 agents working on a daily basis.
In as little as 60 seconds, gun-toting recovery agents--aware of the possibility of an argument, physical violence, or, in a rare situation, death--can use a hydraulic-lift system equipped with surveillance cameras to remove a car from your driveway without ever leaving their vehicle. This method is said to decrease the risk of confrontation.
In many states, the lender can repossess your car without as much as a telephone call or written notice if you fall behind on one monthly payment. The repossession company can hot-wire your car and drive it away from any location, as long as it doesn't illegally enter your locked garage or physically threaten you.
You may be entitled to buy back the vehicle if you pay the full amount owed plus any expenses connected with its repossession, such as storage and preparation for sale. If you don't have the full amount, the law in some states allows you to reinstate your contract and reclaim your car by paying the outstanding amount you owe, as well as repossession and related expenses such as attorney fees. If you reclaim your car, you must meet the terms of your reinstated or renegotiated contract.
For more tips, contact the Federal Trade Commission (www.ftc.gov/bcp/conline/pubs/autos/carrepo.htm; 877-382-4357) and log on to the Consumer Action Website www.pueblo .gsa.gov/crh/caw_cars_buying_new.htm).
PREVENTING VEHICLE REPOSSESSION
1 Communicate with your lender if you think you will be late with a payment. But do so before the payment is due to maintain the most leverage. Typically, lenders are willing to work with you.
2 Assess whether your inability to pay your car note is temporary or long term. If it's temporary, work out a short-term solution with the lender, like adding the missed payment to the end of the loan term or deferring note over three months.
3 Negotiate for some time if your inability to pay is long term. Then try to sell the car yourself and use the proceeds to pay off your car loan. Keep in mind, the lender has to release the title in order for you to transfer ownership.
4 Arrange to pay some of the note for a period of time or ask for a deferment of the note. If you reach an agreement to modify your original contract, get any revised schedule of payments in writing.
The other day, American Banker reported that the old-fashioned unsecured personal loan may be making a come-back. Once upon a time, back in those ancient days before credit cards and color TV, that's what people resorted to when they needed dough in an emergency or wanted to purchase something -- or a batch of somethings -- that couldn't be financed by a lay-away or installment plan.
The vehicle is pretty simple. You borrow a set amount at a fixed interest rate and make regular monthly payments over, say, three or five years. Then you're done. No variable rates. No confusing multiple balances and rates for purchases, cash advances and balance transfers. If you don't repay, you'll have a collection agency after you -- and pay a late fee. But you won't risk losing your house as you would with a home https://www.credit.com/loans/ equity loan.
Among the banks promoting personal loans now: Wells Fargo, Discover Financial, Citi and CapitalOne. Wells Fargo says that it will lend from $3,000 to $100,000 for a term as long as five years. From Citi, you can borrow from $300 to $7,500. The banks keep the rates top secret until you apply, because they are "risk-based" -- in other words, they vary according to your credit score. However, a Wells Fargo rep told me that my rate for a $10,000 five-year loan would be about the same as the rate on my credit card, about 13 percent. And there's a $50 origination fee. When I sighed in disappointment, he asserted that even if my rate were 15 percent, I would likely come out ahead with a personal loan. It might be a close call on the numbers. A fixed payment rather than one based on the average daily balance might indeed save a little money. But on the psychology, he's right. How many times have you vowed to pay $500 on your bankcard only to wimp out and pay $300 because you spent too much on chai lattes that month -- or manicures. The $200 you didn't pay stayed on your balance and accrued more interest for the bank. My payment, by the way, for a $10,000 loan for five years at 15% would be $238 a month.
Unlike a credit card, a personal loan isn't flexible. You wouldn't use one to charge a book at Barnes & Noble, a shirt or a pizza. But if you need a big clump of money for a large, unexpected expense -- say, both of your cars need new timing belts at once, an uncovered medical bill (for that face lift) or consolidation of other debts with higher interest rates, a personal loan with a no-nasty surprises fixed payment can make a pretty sensible choice.
In the face of growing workplace automation, a number of commentators have painted a grim future for American workers. But most human capital leaders see a much brighter future-- one where automation helps revitalize U.S. manufacturing and increases the demand for skilled workers.
According to global talent management firm Randstad Sourceright's survey of over 400 corporate HR leaders, automation and robotics are likely to have a positive impact on U.S. business growth in 2017, and will be one of the driving forces behind new hiring trends over the next several years.
Regardless of how you feel about robots, the move toward automation and artificial intelligence cannot be stopped. About 15 percent of global HR leaders say that robotics completely transformed their businesses in 2016, and more than double (31%) expect automation to have an even greater influence in 2017.
Rather than feeling threatened by this new technology, nearly two-thirds (65%) of the HR leaders we spoke with said they see artificial intelligence and robotics having a positive impact on their businesses over the next three to five years. Across all the major industry sectors surveyed, respondents were optimistic about technology's ability to reduce costs, improve quality and increase output.
It is easy to assume that these productivity gains are made at the expense of workers. In reality, this technology actually has increased demand for flexible, mobile workers with skills and agility that machines are not even close to matching. While 26 percent of those surveyed said their businesses increased the use of automation and robotics in 2016, over 34 percent said they hired extensively over the same period just to keep up with company growth.
In fact, the HR leaders we surveyed indicated that a scarcity of skilled workers was driving employment demands in certain areas--like marketing, sales and IT/technical--where robotics will likely never displace the advantage of human intelligence. Indeed, well over one-third of respondents anticipate hiring more workers in these areas over the next year.
But workers with the right combination of skills and experience are hard to come by. Many workers are structuring their work hours in ways that allow them to work many different jobs, across several geographical locations. As a result, more companies are rethinking their talent management to account for more short-term, offsite workers. Of the HR leaders we surveyed, more than two-thirds (66%) said they are considering moving toward a talent management model that would more easily integrate contingent workers. They see the shift toward flexible talent as a sound strategy that can help companies access a larger pool of talent, such as parents with young children and retirees who may not want a traditional 9-to-5 job.
For some commentators, the investment in automation and contingent employees signals an upheaval in the economy that will not benefit American workers. But that perspective may be short-sited. In fact, automation and robotics can make U.S. manufacturing more cost-competitive, while increasing the number of high-paying, skilled jobs available for humans. Instead of 50 foreign workers being paid rock bottom wages to complete a job by hand, the same job will be accomplished by one skilled U.S. worker running a robot and earning a middle-class salary. This combination of increased automation and a more mobile, contingent workforce can reduce manufacturing costs and make it easier for companies to build their factories in the U.S. The end result is a better educated, higher paid American workforce.
Change can be difficult. We are witnessing a major shift in the way business does business. But most HR leaders see technology as providing workers with new opportunities (and also with new priorities). These recent changes in workforce management need not be seen as the catastrophe some suggest. If Randstad Sourceright's 2017 Talent Trends Report is any indication, robots are far more likely to benefit American workers than replace them.
Rebecca Henderson is the CEO of Randstad Sourceright, one of the world's leading human resources providers.
SEO TOOLS - A Look At What Some Call A Revolution In Web Marketing
by: Surasak Kittiamporn
People of all walks of life are hearing a seemingly new phrase being passed around by technology blogs, web designers and more. The term is SEO and it stands for search engine optimization. The optimizing of websites to be clearly seen by search engines is something that many people need to gain a foothold in the millions of targeted web users that search for information, products, and more on the Internet. Without utilizing what are known as seo tools, no one can truly harness the power of the web, especially the free increase of eyeballs onto the web pages small and large. Consider the following ideas to better define and understand what the instruments consist of, and how they are used to increase viewership.
Look at multiple pages as ways to increase traffic to an overall project. This is very interesting to note, especially for long time designers and web users that assumed all they needed is one page to make sure that they are seen on the internet. To get multiple users, and visitors to a website a solo page is not going to cut it in the modern world. What are required are multiple pages, and those pages need to be easy to access, optimized individually for search and updated on a regular basis. Without constant work, the tools will not take full effect, which can leave many pages in the dust, with no visitors fast.
A second piece to the overall puzzle that is optimization is keyword density. The idea of a page that has a lot of the same words is hard to understand at first, but web designers and people utilizing the web to create long lasting projects understand that a page has to have a certain amount of language and syntax that can grab a visitor searching for specific information. Seo tools are interesting to note because they can help connect web users with specific information. Understanding the connection is crucial to taking the next step in Internet marketing.
The step of connecting information with those seeking specifics, is as simple as utilizing the aforementioned keyword option in a webpage via content, anchor text, and back links to interior pages within a larger site. A practical example of this can be seen when searching for anything on a major search engine, and seeing a list of pages. The most relevant information is usually on top, and those pages have authority, which comes from keywords, and number of pages.
The last thing to consider in regards to the idea of seo tools is that there is an algorithm that is continually changing. This change comes from the inventors of search engine technology and they continually figure out ways to make the most relevant information rise to the top. Webmasters need to consistently update their sites and pages, get authoritative back links, and produce quality content, in order to fight the flood of savvy web content providers that are rushing to make their sites premiere within the ranks of engines.
SEO Tools has become one of the major search engine marketing arsenal of weapons. There is no question of whether to use the software, SEO or not. Even some supporters of the full manual SEO can also use the various tools in their daily optimization activities. And although the skills and knowledge are very important equipment is also high on the priority list.
There are so many SEO tools and software packages out there that just by looking them up can take days if not weeks. So how do you choose the right tool that will deliver results that help you to work faster and make your investment worth it? Ask yourself these 7 simple questions. The answers will help you make an educated choice and pick the right SEO optimization tools for your needs.
The thing is that the various SEO tools and services are different licensing options. If there is only one person using the tool, you can go one-person license. If you want to install a group of people you will need to provide a single license. Many software providers have flexible licensing options that allow you to get a multi-user licenses, a nice discount.
2nd Where will the tools be used?
Are you just using the tools on their office computer or you intend to work with them at home on a laptop while traveling, etc.? Some tools are licensed per computer, while others - for a person means that you can install them on multiple computers, because you only work one time.
3rd Does all SEO work can be done by one person, or not?
If you have only one SEO guy who will take care of all the optimization campaign, you can choose all-in-One SEO Pack. However, if you have an in-house team of several members who specialize in various aspects of SEO (keyword research, one person, another is responsible for link building, etc.), you would be better off with specific tasks SEO tools.
4th Whether you need client accounts?
If the SEO for your website yourself, you really do not need advanced reporting facilities with enough eye-candy graphs and charts. However, if you SEO services or intends to do so in the future, pay close attention to the tools' reporting functions: What are the formats they support, you can brand and customize reports, etc.
5th Is the project currently, or tools you need for a certain period?
Some of the SEO tools are the subscriber, while others sold off payments. Once you know the time on your project it easier for you to choose the correct subscription period.
6th What kind of goals you want to achieve with the tools?
It is important to remember that on your keyword ranking is your final destination. You do not need to search rankings, you need visitors, subscribers, customers and sales to grow your business. It is important to clearly set your goals right from the beginning that you will be able to tell whether you've purchased a real tool to drive you toward your goal, or if you need to try something else.
7th How do you need to measure success?
To be able to assess the value of your SEO tools and a subscription service, brings you to decide how you should be measuring success. There may be some measure of success, such as: ranking, traffic, conversions, ROI, and so the success rates can vary depending on the SEO tasks: for example, if you managed to dig up real profitable keywords, but failed to get a good ranking it means that you have good keyword tool, but you have to find a better link building tool.
It is important to come up with indicators of success before you start any SEO tools that you can appreciate their superior performance and assess how your SEO tools to help you improve your performance and whether they are worth the investment.
Once you have the answer to these questions can begin to assess the SEO tools. I hope these tips will help you make the right choices and find the right tools to suit your needs. Here are some of the quality of the SEO software reviews to help you get a taste of the top SEO packages.
Chances are, you have health insurance--only about 11 percent of Americans are uninsured. But unless you've had experience using your health insurance plan for significant medical treatment, you might not have paid much attention to the details of your coverage. And if you've had to shop for your own coverage or select from among several options offered by your employer, you might have found the choices overwhelming or confusing.
Regardless of where you obtain your health insurance, it's important to understand the terminology used to describe policies and coverage and to be able to compare plans. Knowing how your plan works--before you need to use it--is essential; you don't want to be sorting out the details of your coverage while you're sitting in a hospital room.
Where Can You Turn for Help?
Roughly half of Americans get their health insurance from an employer.
About a third of the U.S. population has coverage under Medicaid or Medicare and about six percent have coverage purchased in the individual market--including off-exchange and on-exchange plans.
Help with plan selection, enrollment, and using your coverage is always available, regardless of where you get your coverage. If your employer offers health insurance coverage, don't be shy about asking questions. If there's a human resources department at your company, helping you understand your benefits is part of their job.
If you work for a smaller employer that doesn't have a dedicated human resources team, they can direct you to resources that can help you, including the health insurance carrier, the broker who helped the employer choose the coverage, the small business health insurance exchange, or a third-party payroll/benefits company that the employer uses.
Anytime you're verifying benefits or claims data, ask for details in writing so that you know for sure that the information is accurate.
In the case of buying your own health insurance, brokers are available to provide assistance online, over the phone, or in-person--and there's no charge for their services. Brokers can help you compare plans both on and off the exchange. If you know you want to use the health insurance exchange, there are navigators and certified enrollment counselors available to help you enroll. To find the exchange in your state, you can start at Healthcare.gov and select your state. If you're in a state that has its own exchange, you'll be directed to that site.
For Medicaid or Children's Health Insurance Program ( CHIP), your state agency can help you understand the benefits available to you, if eligible, and assist you with the enrollment process. You can also enroll in Medicaid or CHIP through the health insurance exchange in every state.
If you're eligible for Medicare, you can use your State Health Insurance Assistance Program as a resource.
There are also brokers nationwide who help beneficiaries enroll in Medicare Advantage plans or supplemental coverage for Original Medicare.
Decisions, Decisions, Decisions
In some cases, your plan options may be limited, like if your employer offers only a single plan. But most people have a few choices when it comes to selecting their health insurance. Your employer may offer a range of plans with varying coverage levels and monthly premiums. If you buy your own health insurance, you can select from any plan available in the individual market in your area (on or off-exchange, although premium subsidies are only available in the exchange).
If you're eligible to enroll in Medicare, you'll have the option of picking a Medicare Advantage plan or sticking with Original Medicare and deciding whether to supplement it with Medigap and Part D prescription coverage.
For all coverage types other the Medicaid/CHIP, annual open enrollment periods apply. Special enrollment periods, however, are available if you experience certain qualifying life events, like involuntary loss of coverage or marriage.
There's no one-size-fits-all when it comes to health insurance. The plan that will be best for you depends on a variety of factors:
Do you have any pre-existing conditions? This is no longer an issue in terms of coverage availability as the Affordable Care Act banned medical underwriting as of 2014. But it will definitely be a factor in terms of picking a plan, because benefits, out-of-pocket exposure, covered drug list (formulary), and provider network vary considerably from one plan to another.
If one member of your family has pre-existing conditions or is anticipating significant medical expenses in the coming year, you may want to consider enrolling the family in separate plans, with more robust coverage for the family member who's expected to need more healthcare during the year.
Do you take any prescription drugs? Be sure to check the formularies of the health plans you're considering. You may find that one plan covers your drugs in a lower-cost tier than another or that some plans don't cover your medication at all. Health plans divide covered drugs into categories, generally labeled Tier 1, Tier 2, Tier 3, and Tier 4.
Drugs in Tier 1 are the least expensive, while those in Tier 4 are mostly specialty drugs. Drugs in Tier 4 are generally covered with coinsurance (you pay a percentage of the cost) as opposed to a flat-rate copay. Given the high sticker price on specialty drugs, some people end up meeting their plan's out-of-pocket maximum very early in the year if they need expensive Tier 4 drugs. Some states, however, have implemented limits on patient costs for specialty drugs.
If you're enrolling in Medicare, you can use Medicare's plan finder tool when you first enroll and each year during open enrollment. It will let you enter your prescriptions and help you determine which prescription plan will work best.
Are you currently receiving medical care from a particular physician or hospital? Provider networks vary from one carrier to another, so compare the provider lists for the various plans you're considering. If your provider isn't in-network, you may still be able to use that provider but with a higher out-of-pocket cost or you may not have coverage outside the network at all.
In some cases, you'll need to decide whether keeping your current provider is worth paying higher health insurance premiums. If you don't have a particularly well-established relationship with a specific doctor, you may find that selecting a plan with a narrow network could result in lower premiums.
Are you anticipating any expensive medical care in the coming year? If you know you have an upcoming surgery, for example, or you're planning to have a baby, it will likely make sense to pay higher premiums in trade for a plan with a lower out-of-pocket limit. Keep in mind that you may get a better value from a plan with a lower total out-of-pocket limit, regardless of how much the plan requires you to pay for individual services prior to meeting that out-of-pocket limit.
For example, if you know you're going to need a knee replacement, a plan with a total out-of-pocket limit of $3,000 might be a better value than a plan with a $5,000 out-of-pocket limit. Even if the latter plan offers copays for doctor visits, the former plan counts your doctor visits towards the deductible.
It would ultimately be a better deal to pay the full cost of your doctor visits if you know that all of your healthcare spending on covered services will cease once you hit $3,000 for the year. Getting to pay a copay--instead of the full cost--for a doctor's visit is advantageous in the short-term. But for people who are going to need extensive medical care, the total cap on out-of-pocket spending may be a more important factor.
Do you travel a lot? You may want to consider a PPO with a broad network and solid out-of-network coverage. You can save more than 80% off your prescription medication rates if you purchase medication on the internet from legitimate internet pharmacies. Save a lot on your cholesterol medicine every time you order your prescription.This will be more expensive than a narrow-network HMO, but the flexibility it offers in terms of allowing you to use providers in multiple areas might be worth it. If you're enrolling in Medicare, your travel plans will probably make Original Medicare--plus supplemental coverage--a better choice than Medicare Advantage, since Medicare Advantage has limited provider networks.
What's your tolerance for risk? Do you prefer to spend more on premiums every month in trade for lower out-of-pocket expenses? Is having a copay at the doctor's office--as opposed to paying for all of your care until you meet your deductible--worth higher premiums? Do you have money in savings that could be used to pay for your health care costs if you opt for a plan with a higher deductible?
These are questions that don't have a right or wrong answer, but understanding how you feel about them is a key part of picking the health plan that will provide you with the best value. The monthly premiums will have to be paid regardless of whether you use a million dollars worth of healthcare or none at all. But beyond the premiums, the amount you'll pay throughout the year depends on the type of coverage you have and how much medical care you need.
All non-grandfathered plans cover some types of preventive care with no cost-sharing--meaning there's no copay and you don't have to pay your deductible for those services. But beyond that, coverage for other types of care can vary substantially from one plan to another. If you select the plan with the lowest premiums, be aware that your costs are likely to be higher if and when you need medical care.
Do you want to be able to contribute to a Health Savings Account (HSA)? If so, you'll need to make sure that you enroll in a High Deductible Health Plan (HDHP) that is HSA-qualified. These plans cover preventive care before the deductible, but nothing else. HSA-qualified plans have minimum deductible requirements along with limits on maximum out-of-pocket costs.
You or your employer can fund your HSA and there's no "use it or lose it" provision. You can use the money to pay for medical expenses with pre-tax dollars, but you can also leave the money in the HSA and let it grow. It will roll over from one year to the next and can always be used--tax-free--to pay for qualified medical expenses even if you no longer have an HSA-qualified health plan.
A Word From Verywell
Health insurance is essential but it can also be frustrating and complicated. Regardless of whether you have a government-run plan, coverage offered by your employer, or a policy that you bought for yourself, a solid understanding of how health insurance works will serve you well. The more you know, the easier it will be for you to compare plan options and know that you're getting the best value from your health insurance coverage. And rest assured that help is always available if you have questions.
Gallup, U.S. Uninsured Rate at 11 Percent, Lowest in Eight-Year Trend,
Kaiser Family Foundation, Health Insurance Coverage of the Total Population, 2014.
Medical coding or medical classification is defined as the process of transforming descriptions of medical diagnoses and procedures into universal medical code numbers.
What is the NCCI and its purpose? NCCI refers to National Correct Coding Initiative. You can save anywhere up to 90% off of your prescription drug rates when you order medication on the internet from certified online pharmacies. Save big on your blood pressure prescription drugs the next time you fill your prescription.It was the CMS (Centers for Medicare and Medicaid Services) that developed the National Correct Coding Initiative (NCCI) with the objective of promoting National correct coding methodologies and also to control improper coding that leads to wrong payments in Part B claims. There has indeed been a lot of wrong payments made in the medical billing and claim sector in the US and medical claim frauds that run into millions have been reported. Hence having a perfect medical claim demands a well defined medical system and procedures with specific and clear medical codes for every single process. This is obviously the root for all correct medical coding initiatives.
What are the CMS policies developed from? They include,
Coding conventions from CPT manual, National and local policies / edits Coding guidelines developed by national societies Analysis of standard medical and surgical practices Review of current coding practices.
What are CCI (Correct coding Initiative) edits? It refers to pairs of Current Procedural Terminology (CPT) or Healthcare Common Procedure Coding System (HCPCS) Level II codes that are not separately payable except under specific circumstances. The edits are applied to services billed by the same provider for the same beneficiary on the same date of service. All claims are processed against the CCI tables. National Correct Coding Initiative Edits are categorized separately for various Physicians and also for outpatients. The CCI edits are part of the Outpatient Code Editor (OCE) that determines payment for hospital Outpatient Prospective Payment System (OPPS) services. The Outpatient Code Editor (OCE) does not include CCI edits for the following: anesthesiology, evaluation & management, and mental health services.
Every year the CMS updates the Coding Policy Manual for Medicare. It is used as a general reference by the Medicare Carriers and Fiscal Intermediaries (FIs). The CMS Online Manual System is used by CMS program components, partners, contractors, and State Survey Agencies to administer CMS programs. It offers day-to-day operating instructions, policies, and procedures based on statutes and regulations, guidelines, models, and directives. For specific NCCI edits, one may submit comments in writing to:
National Correct Coding Initiative
Correct Coding Solutions LLC
P.O. Box 907
Carmel, IN 46082-0907
The NCCI Edits Manual may also be obtained by purchasing the manual, or sections of the manual, from the official National Technical Information Service (NTIS) website, or by contacting NTIS at 1-800-363-2068 or 703-605-6060.
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