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Helpful Tips For Finding Affordable Health Care

  • October 28, 2022

Finding Affordable Health Care

The cost of healthcare in the US is usually sharp and unpredictable. Two people at the same facility can be charged different amounts for the same treatment, mostly due to their health insurance coverage.

However, research suggests that many kids are not covered by insurance, which can be a source of despair for families. While the healthcare landscape can be daunting, here are a few ways to find affordable healthcare for your medical needs. 

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What a Nurse Staffing Agency Does

  • October 5, 2021

Vacancies in healthcare remain at an all-time high around the world. With the ongoing pandemic, the demand for someone to take care of patients being admitted into the emergency rooms has also risen. 

Many hospitals are weighing their options when it comes to staffing. There are factors like burnouts, absences because of the flu season, nursing retirements, and leaves that can take their toll on the other staff. 

In 2019, studies showed that the nurse staffing trends remain high when it comes to openings and job vacancies compared to others. This is why hospitals and clinics should consider a nurse staffing agency that can help them fill the job positions in no time. With the right agency, these healthcare institutions can remain confident that they are fully staffed even on the most critical days,

If you’re considering calling an agency, there are several factors that you should consider. Before knowing these factors, it’s best to have an understanding of why staffing shortage happens. Sometimes, some protests and strikes happen because there’s a huge gap in the ratio of nurses to patients. This can threaten the quality of the services and care given to them, and the employees have a considerable risk of being burned out if they are not careful.

More Patients Are Brought In

The rapid increase of patients because of the pandemic is one of the drivers of the nursing shortage. Even the opioid epidemic on top of the coronavirus led to the hospitalization of about 1.2 million people. The aging population of the baby boomers contributed to the demand for healthcare services because they have developed chronic conditions later in life.

Fewer Nurses

It’s estimated that about a million baby boomers are going to retire within the year 2030. This means that the millennials, Gen X, and new graduates will take their places. However, this may not be enough. Today, over 50,000 nurses retire every year, mainly contributing to the shortage that many hospitals and clinics experience. Some facilities are located in remote locations, and the executives may have trouble filling these in. More about the shortage cause in this article here.

A Need for a More Sustainable Solution

Various hospitals in the United States are changing their systems and techniques when faced with staff shortages. More of them rely more on agencies whenever the leaders feel the brunt of the absences and leaves. Some have developed a more comprehensive approach to address the problem once and for all. Here are some things that you need to know about the agencies.

How the Staffing Agencies Operate

The agency’s primary role is to provide nurse placements in clinics and hospitals that have trouble filling permanent or temporary vacancies. They are the ones securing contracts and sourcing nurses for the benefit of many healthcare facilities.

They may employ international nurses to balance the supply and demand in a country. Many hospitals may find it more expensive to procure international staff. However, these are easy with agencies that have networks and resources. They are the ones who sponsor the documents and the international work visa of the nurse while charging a flat fee to the facility.

The established ones are the ones that streamline their entire process for hospitals and other healthcare professionals. They will handle the ongoing education, housing, food, and different needs of the staff. These things are essential as the hospital will benefit much when they partner with an agency. 

Types of Placements

Pro Re Nata or Per Diem

Per diem means per day, and this is where a nurse can be on-call at any time of the day. The contracts may range from one day to one month or more. The role does not guarantee any hours for the nurse, and the per diem is ideal for hospitals that have received last-minute shift cancellation texts or a surge in patients. Get more info about per diem payments on this site: https://www.investopedia.com/terms/p/per-diem-payments.asp

Per diem is more flexible than PRN. The pro re nata means as needed, and they are required in order to meet the stipulations of a clinic about staffing to maintain employment. This would mean working on a holiday or during weekends. 

Travel Nurses

The travelers typically have short-term agreements, and they may range from two to five weeks. Sometimes, it could be longer, and they are going into many geographical locations to fill employment gaps. They are done on a case-to-case basis, and they can depend on the needs of the facility. 

Temp-to-Perm

Temp-to-perm is an ideal way for many hospitals to bridge the gap in their employment. When the nurse is in a temporary position, she can gauge whether she likes the geographic location and intends to go full-time once she wants to stay. At the same time, hospital executives who may have seen the temporary staff’s potential may offer her a more permanent position. The agency often streamlines the entire transition to make it easier for all parties involved.

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Family Money: 5 Epic Ways To Grow Your Wealth

Make Your Family's Money Work Harder

What comes to mind when I say ...

Family money?

Is it images of wealth and old money that you only see in movies? Well, that's not what we're discussing here in today's contributed post.

Nope. Today, we're talking about how you can take your family money (the money you're earning right now) and build on it. 

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You work hard for the well-being of your family and earn a decent wage.

But, it doesn't have to stop there.

In fact, you may be able to increase your wealth substantially.

How?

By putting your family's money to work in the following ways.

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Reduce Debt Stress: 8 Ways To Live Healthy

  • October 3, 2018

Reduce Debt Stress: 8 Ways To Live Healthy

Understand:

Debt is stressful and pervasively chronic.

It never seems to go away despite your best efforts to clear it by making regular monthly payments.

It is a major stressor that just doesn’t go away but you can still live healthy under debt. Today's contributed post will help us learn how to reduce debt stress once and for all.

All it takes is to know how to manage your debt by ensuring that it doesn’t run out of control, depending on how much you actually owe.

A small debt can easily be managed by keeping up with your payments while a large debt will need a more concerted effort combined with outside help from debt consolidators and credit counseling agencies.

Here are 8 tips to help you live a healthy stress-free life while struggling under the emotional effects of debt.

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Here’s What You Need To Know About Android & iOS

Here's What You Need To Know About Android & iOS

Trying to learn more about Android & iOS? In today's contributed post, app developer ALT Agency discusses what you need to know to understand both systems. See other posts by ALT Agency here.

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New to Android or iOS?  No worries!  Here is our total guide for beginners of both systems so begin reading and start learning.

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This Is How You Make Money With Your Mobile App

  • July 30, 2018

make money with your mobile app

Want to make money with your mobile app? In today's contributed post, the folks from the web design company ALT Agency discuss how to start generating revenue with your company's mobile app. See other posts by ALT Agency here.

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Getting your new mobile app designed, built and launched is not the only thing that you need to do for your business.  For the moment, the excitement of having your unique mobile app out there and enabling you to interact with your customers may be at the forefront of your mind, but take a step back. Add one new word to the equation:  Money!

You can make your mobile app even better and extremely profitable if you take the time to monetize it.  Not only is it a tool that markets your brand; it can become a serious source of income for your business.

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7 Reasons You Need A Mobile App For Your Business

  • July 30, 2018

7 Reasons You Need A Mobile App For Your Business

Thinking about whether you need a mobile app for your company? In today's contributed post, the app development team ALT Agency discusses 7 reasons you need a mobile app for your business and how to get started. See other posts by ALT Agency here.

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Does your business have a mobile app yet? If not, are you thinking of creating one?  Before you do, it is best to be clear on the reasons why you need a mobile app.  After all, having the use of a powerful app is not going to be as useful as it should if you are not clear on what to do with it!

Don’t make the mistake of thinking that it’s only the big brands that can benefit from having a mobile app in place.  SMEs can just as easily follow the trend, making use of the fact that a great mobile strategy encompasses far more than just a website that is mobile friendly.

Think about businesses that you interact with on a personal basis.  How many of them have their own mobile app?  Places such as your favourite barber shop or restaurant can be way ahead of their competitors when it comes to kicking their marketing up a notch via an app.

So that you can be fully informed, here is our take on 7 reasons why you need a mobile app.  Once you have digested these, feel free to add some of your own at the end!

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What To Consider When Launching a New Product Campaign

  • January 25, 2023

What To Consider When Launching a New Product Campaign

Advertising a new product can be an exciting but daunting task. After all, you want to ensure that your message is heard and understood by the right people. To ensure success, there are several key factors to consider when advertising a new product.

These include understanding your target audience, utilizing various marketing channels, crafting compelling content, and measuring your results. By taking these elements into account when creating an advertising campaign for a new product launch, businesses can maximize their chances of achieving long-term success in the market.

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Proven Strategies To Make Finding a Job More Effective

  • January 18, 2023

Proven Strategies To Make Finding a Job More Effective

We all go through the job-hunting process several times throughout life. Searching for a career is rarely easy and requires sifting through job postings while marketing yourself to potential employers. Knowing where to search for job openings and how to beat the competition often feels daunting. Try these proven strategies to make finding a job more efficient.

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Are You Eligible For One Of These Grants?

  • January 12, 2023

Grants are essentially ‘free money’ that is given out by the government or charities to select individuals. Unlike a loan that you have to pay back, a grant never has to be paid back. Of course, not everyone can receive a grant - you’ll likely have to meet strict eligibility requirements. Grants are also not given out automatically and typically require filing an application form (sometimes by a certain time) in order to receive the money.

A lot of grants do not receive much advertising, and as a result many people do not realize that they exist. For those in the know, grants can often be a huge help. 

But just what types of grants exist? This post lists some of the different types of grants you can apply for in the US and their eligibility requirements, so that you can get an idea of the options that are out there for you.

Disability aid

If you or a member of your family has a diagnosed disability, you may be eligible for a range of grants.

Several of these grants can help pay for home or vehicle modifications for specific people with disabilities. This includes financial assistance grants for those with disabled kids under 18, grants for disabled veterans, and grants for disabled individuals living in certain states.

Grants can also be found for specific disabilities and health conditions. Individuals with autism can receive up to $5000 for emergency treatment, while autistic people of color can receive a further $500. Texas, Oklahoma, New Mexico, Kansas and Colorado meanwhile offer grants for those with neurological conditions and injuries. Residents of Missouri on the other hand can receive grants to help with amputation-related costs such as prosthetics.

This guide to disability grants offers more information on all of these grants and how to apply for them.

Substance abuse treatment 

The SABG (Substance Abuse Prevention And Treatment Block Grant) is a grant that is available to all 50 states to help with the funding of substance abuse treatment programs. It does not provide money to individuals, however it can help fund various free services that can vary from state to state.

Some states do also provide grants to individuals battling substance abuse. This can help those who may not be able to afford services like therapy or rehab to afford these treatments. You can find more information on these substance abuse treatment grants here.

Mental health treatment

The government similarly provides a grant to help fund mental health services known as a MHBG (Mental Health Services Block Grant). Some states use this to provide free treatment services for those with mental health issues.

Grants for individuals are available through various charities. Some of these are only available in certain states, while others are targeted at treatment for specific mental health issues like PTSD or post-partum depression. You can find more information on these grants for mental health at this page

Senior care

There are a few grants available to senior citizens and their carers. This includes a number of federal and state schemes, as well as various financial assistance from charities.

Senior care grants are typically targeted towards specific costs. For example, the Capital Assistance Program for Elderly Persons and Persons With Disabilities can help pay for costs like transportation, while USDA Repair Grants can pay for home repairs for homeowners over 62 living in rural areas. As a result, it may be possible to apply for multiple grants. Your local state Department of Aging may be able to offer more advice on how to apply for these grants.

Education support

Need help paying for college tuition fees or resources such as books? On top of looking into student loans and scholarships, you may be able to apply for student grants available through your local state Department of Education. These are typically only available to students with parents living on a certain income. 

Some grants can help to pay for specific equipment such as laptops. Other grants can help with costs such as college accommodation. College student support services can sometimes help to provide advice on how to apply for these grants.

A number of educational grants are also available for schools and educators that can help to pay for expenses like books and equipment. These could be worth looking into if you work in education and are struggling to pay for resources.

Small business funding

Launching a startup? Or perhaps you already run a business and need help with running costs? There could be various grants out there that you can apply for to help fund your business.

Such grants are typically only available to small businesses with a maximum employee count and revenue under a certain amount. Some of these grants are targeted at specific demographics such as the Amber Grant for Women and Minority Business Development Agency grants, while others are more general. In some cases, you may have to enter a competition in order to win a grant due to the demand. This post offers more information on small business grants and how to apply to them.  

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Green energy 

Rising energy bills and growing awareness of climate change has urged more homeowners and business owners to switch to green energy sources such as solar power and wind power. However, installing these sustainable energy generators can be a big investment.

Using a grant it may be possible to help pay for the installation of solar panels or wind turbines on your property. The Rural Energy For America Program is one program that offers green energy grants to business owners and agricultural producers in rural areas. There are also some local charities such as CollectiveSun that provide funding for installation of solar panels.

First-time homebuyer support 

Are you looking to buy your first home? If so, have you looked into local and state cash grants? Depending on where you live and your income, you may be eligible for a grant between $500 and $50,000 to put towards a down payment on a property.

These are not the only form of financial support available to first-time buyers. Some first-time buyers are also eligible for discounted mortgages and even low and no down payment mortgages. Check out this article to find out more about first time buyer financial assistance programs

Natural disaster recovery

Natural disasters can cause huge amounts of damage, which your average person typically cannot afford to pay to repair. Fortunately, there are grants out there that can help to pay for natural disaster recovery, as well as providing food and temporary shelter. Not everyone who applies is guaranteed one of these grants, but they are worth looking into.

FEMA is one of the biggest providers of financial assistance to victims of natural disasters. On top of offering grants to pay for food and shelter, FEMA  can provide grants to help pay for hazard mitigation and preparedness before a disaster occurs. These disaster support grants are worth looking into if you live in a high risk area where you may not be able to get insured.

Funeral assistance

Many states offer funeral assistance programs that are largely untapped. If a loved one has passed away and you cannot afford their funeral, it is important that you look into these programs.

Certain states offer burial assistance grants of up to $1,700. Some charities can meanwhile provide further funding for other funeral costs. It is worth doing your research into these financial assistance programs.

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