Gambling: Online Casino

Gambling is considered to be an activity that involves betting on the outcome of a contest, playing a game for money, or paying for the opportunity to enter a lottery. It is a very old form of entertainment and one that will be with us as long as we continue betting. The pleasure of gambling comes from the very real risk of losing even your most prized possession. On the opposite side, gambling comes from wagering valuables or material things one cannot afford to lose. In a nutshell, gambling though how entertaining it is has its own advantages and disadvantages.

Gambling, which most people would really enjoy, could be of many different forms which include scratch tickets, pull tab tickets, bingo games, mahjong, charity raffles, lottery tickets, betting on sports games or casino games.

Casino games can be considered most common among people and it is commonly played in almost every country around the world. These days people could be entertained by just playing casino games online. Online casinos, also considered as internet or virtual casinos are online adaptations of traditional casinos that most people liked playing many years ago.

A casino game is similar with the land-based casinos that offer odds and payback percentages. Some of them claim higher payback percentages for slot machine games and make known to people payout percentage on their websites or homepages. The payout percentage for the games, being played by gamblers is established by the rules of the game.

Today, most people seem to be bombarded with lots of negative things. For this reason, they would really take up gambling though just from time to time yet soon it becomes their habits.

Gambling is undeniably fun and casinos create an exhilarating atmosphere, and there is always that slim chance of winning a fortune. Today whatever game you desire playing, the casinos available online could always provide you fun and excitement. It easy to find virtual casinos and if you have already chosen the game you want to bet on then you have to get ready and make a deposit, you will be entitled for some terrific first deposit bonuses for sure.There are various online casinos that could provide players free casino credits which can be credited into their real player account once they have met all wagering requirements.

Various online casinos with no deposits could provide players free of charge bonuses to try out the casino games available. Some casinos offer or give players up to $150 of free bonuses but on the other hand, the normal amount a casino could give is between $10 up to $25 only. Most online casinos have their own verification process to make sure the gambler or the person playing is really the one whom registered. This is to ensure their protection.

Here is a few of the casino sites that you could play at online.

1. BET365 CASINO

2. GAMING CLUB

3. GO WILD

4. CRAZY VEGAS

5. CASINO CLASSIC

6. GOLDEN RIVIERA

7. INTERCASINO

8. JACKPOT CITY

9. PLATINUM PLAY

10. RIVER BELLE

These are just a few of the so many casinos available nowadays.

Posted in Uncategorized | Comments Off

The Secret My Lawyers & Accountants Didn’t Even Know About – How to Get a Business Loan

Stop! Turn off your cell phone.

Quit tweeting and texting for the next 4 minutes. Grab a cup of coffee.

Shut the door so there are no distractions. This is that important!

Because I’m about to reveal to you the greatest secret to getting a business loan for as much as $25,000, $50,000 or even $250,000 – even when the bank says “NO!” and even if you don’t have perfect credit.

I have to warn you though… Don’t pay attention to the credit card companies. Forget everything you’ve heard. You can actually hurt your chances of getting the small business loan you need if you follow their advice.

It’s true. Why? Because they’re more concerned about raking in record profit margins and reaping huge bonuses! They don’t care about your business or if you get a business loan.

Credit cards companies want you to keep piling up debt on your high-interest personal credit and hold you personally liable for your expenses.

Do you think they really care if it takes you 10, 20 or 30 years to pay it back? Or if lowering your spending limit for no good reason has affected your business? Or if your personal credit is destroyed while you try to build the business of your dreams?

Of course not. Not when it means more money for them! And let’s not leave out the banks. Business lending is at all-time lows. Think they’re interested in taking a risk, however small it may be?

The secret… How to get a Business Loan

But there’s a little known secret that most small and mid-size business owners don’t know about. Heck, even most credit card companies don’t advertise it. I didn’t even know about it and I’d been running businesses for years!

Accountants I’ve used for years weren’t aware of it. Lawyers who I’ve paid up to $700 an hour didn’t know about it. But I’m about to reveal it to you right now and it won’t cost you a penny…

I’m not going to make you read every word of this or make you jump through hoops to get the secret. I know you’re busy so I’m going to give it to you right now and then explain how to make this secret work for you.

Here it is: You can get a small business loan. Usually reserved for large corporations, there’s a 7-step process for small and mid-size business owners to get the business loan they need without a traditional personal guarantee.

Mystery solved! More about that in a moment…

Whether you’re looking for a start up business loan, have an existing business or if you’re buying a business or franchise, you can now access working capital.

Don’t have perfect personal credit? No problem.

It doesn’t even matter if you have less than perfect personal credit. You can still get business financing, whether that’s a merchant cash advance, or business loans with bad credit.

That’s right. You no longer have to rely on your personal credit to finance your business. You can rebuild your personal credit and create a business credit profile to get the business loan you need to grow your business.

Imagine not relying on just personal credit cards to finance your marketing, purchase inventory or pay for expenses… sleep easier every night knowing one misstep won’t cost you your family’s home… and get access to much needed working capital so you can expand. That’s a dream come true for many business owners I work with, especially right now.

Does this sound familiar?

“We’re very sorry to inform you that your credit limit has been reduced due to current economic conditions… “blah, blah, blah!

Take one client we’re working with right now. Mike owns a dozen wireless phone stores. This is his most recent venture after successfully running other small businesses for more than 30 years. And just like he’s always done, he financed his inventory with his American Express card.

Every month he bought $50,000 worth of inventory, sold it and paid it off before the end of the month. But just a few months ago, his purchase was declined. American Express reduced his credit limit from $50,000 to $30,000 without any notice – not because of anything he had done.

The only response he got went something like this: “We’re very sorry to inform you that your credit limit has been reduced due to current economic conditions… ” blah, blah, blah! So he had to scramble to find other ways to finance his inventory. A short while later his $30,000 inventory purchase declined. Why? Because his credit limit was reduced to $20,000. Then his credit was squeezed again to $10,000.

It gets worse. As his credit is getting squeezed American Express is reporting to the other credit bureaus that his credit is being reduced so they also follow suit.

Meanwhile, the amount of debt as a percentage of his total available credit or what’s called his debt utilization rate increases. This is one of the most important indicators creditors look at when evaluating a credit score – and Mike’s personal score was dropping like a brick.

When he came to us, we immediately showed him how he could separate his business credit from his personal credit and his first reaction was, “I didn’t know I could do this. Are you telling me that I could have been building business credit and may still be able to get a small business loan?”

The answer is, “Yes!”

We’re working with him to help him and he’s borrowed $100,000 that does not have a traditional personal guarantee.

You really can get the funding you need without putting your personal credit at risk.

I’ll show you how in just a moment. But first I think it’s important that you know a bit more about me.

I own a firm that specializes in helping business owners get the business loans they need to finance their businesses without sacrificing their personal credit.

If you’re like me you probably thought business funding wasn’t even an option.

As a small business owner (prior to starting my own financing company), I personally guaranteed everything because I thought that’s the way it was done. I even prided myself on how well I did it while growing my Internet marketing business. I started with a $5,000 line of credit on my American Express and I played the 30-day float. Over time, I was regularly spending $300,000 on my card – every month!

If anything went wrong the expenses would have crushed me. I didn’t have that kind of money to cover the costs! Fortunately, I was lucky enough to avoid disaster.

Posted in homepage | Comments Off

10 Types of Jewelry For Men

When we think of jewelry, we automatically think of jewelry for women. These days it is becoming increasingly common and fashionable for men to wear jewelry. Although much of men’s jewelry serves a purpose, there are many items that have no other purpose than to complement a man’s natural good looks. Read on to discover some obvious (and some not so obvious) jewelry choices for men.

Make a Statement with Men’s Jewelry

1. Watches

Timepieces have been around for a few centuries and serve a useful purpose. Jewelry or machine? Honestly, a watch is really a piece of jewelry that also happens to tell time. This is a way to get men who do not like wearing “jewelry” to actually wear jewelry without knowing it. The type of watch worn has to match the image the man wants to project,: a watch for the executive, a Swatch for the artist, a Nike for the athlete. Since many men have active lifestyles, there are different watches designed for different activities.

2. Rings

The next most common piece of jewelry men wear is a ring. The reason being in just about every culture, rings are worn to symbolize marriage between two people. Rings have been around for ages. Unlike watches, they do not serve a purpose, but when worn on the left ring finger, they do send out a signal about a man’s marital status. Wedding rings used to be made out of just gold or platinum. In fact, it wasn’t until recently that wedding ring designers began to experiment with the idea of using alternative metals. One of the first alternative metals was titanium. The metal was valued for its light weight, white color and strength. It is used for many other types of jewelry, not just rings. Only less than 5 years ago, tungsten carbide – a relatively unknown metal to the general public – suddenly exploded in popularity. It now comprises 20% of all men’s wedding ring sales in North America. Men’s tungsten wedding bands are valued for their extreme hardness. They are four times harder than titanium and have a hefty weight that men like. Tungsten is so hard that only a diamond or sapphire can scratch it. Tungsten is also very affordable. If you want to stick to a precious metal ring, but don’t want to pay through your nose for a gold or platinum ring, palladium may be the way to go. Palladium rings look and act just like platinum because both these metals are from the same family of metals, the Platinum Group Metals. Palladium, however, is about 70% less expensive than platinum rings. Many jewelers only deal with a few select metals.

3. Earring(s)

Traditionally for women, the earring is now accepted by society for men. Some men wear one earring and some wear two. Men that have traditional jobs in an office setting are often discouraged from wearing earrings or not allowed to wear them by company policy. Although, less popular as a man’s gift, earrings are here to stay as men’s jewelry.

4. Bracelets

Although less popular than watches, bracelets are a piece of jewelry many men wear. Men’s bracelets used to be made of heavier and more expensive metals such as gold, but alternative metals are becoming increasingly popular. The variety of materials used for bracelets are more varied than for rings or watches, and many of them are not even metals. There are bracelets made of wooden beads, carbon fiber, and ceramics, as well as stainless steel and titanium. Frequently, they incorporate more than one of the above mentioned materials.

5. Necklaces

Necklaces were worn by more men in the past than today. Men who wear necklaces tend to wear just one. In the past there was a higher tendency to wear multiple necklaces. Multiple necklaces can be viewed as tacky or “slimy” today, and as such many men today avoid wearing multiple necklaces.

6. Pendants

Men have mostly switched from wearing necklaces to wearing pendants. Pendants can be used to show a man’s religious faith or just to express oneself. The most common pendant to wear is the cross, in countless variations, and much like bracelets, pendants which were mostly made of gold in the past are now being made in all kinds of metallic and non-metallic materials. Some men wear pendants in conjunction with necklaces, while others choose to wear their pendants around their neck with a modest black leather cord.

7. Cuff Links

Commonly referred to as men’s accessories, cuff links are actually jewelry that men wear without thinking they’re there just keep shirt cuffs buttoned, right? Cufflinks are most often worn in an office setting where more professional dress is required. They make great Father’s Day gifts or birthday gifts. They are usually made of stainless steel or in some cases titanium. Gold is used, but is less common.

8. Money Clip

Men who like to show they have higher status, or at least the appearance of high status, tend to use money clips. With credit cards beings so ubiquitous, many men do not have cash in their pockets, which defeats the purpose of a money clip. The clip part of the money clip is typically made of stainless steel and if there is a decorative element on the clip it can be made of silver, gold or some other type of material. Money clips are usually given on the same occasions as cuff links.

9. Fountain Pens

Designer fountain pens can cost anywhere from a few hundred dollars to tens of thousands of dollars, and tend to be gifts that companies give to their male and female executives. They can also be given to friends or spouses. In today’s high tech world, writing with pens is less common – even signatures can be electronic now. The fountain pen is becoming more of a piece of jewelry than a functional item.

10. Key Chains

Key chains are a jewelry item used to perform a function more than jewelry. For this reason, few key chains are made of expensive metals. Most are made of stainless steel, leather or titanium. This is a gift that is popular for Father’s Day or birthdays, particularly from a son or daughter.

Posted in Uncategorized | Comments Off

Why Has Online Dating Become So Popular?

The increasing number of dating sites goes to prove that this form of dating has become very popular. The fact is that these sites all have members meaning that large numbers of singles are trusting in them to find them the kind of relationships they could be looking for. But what exactly has seen to the increased popularity of the sites?

Exposure - If there is one major setback that comes with traditional dating is limited exposure to potential dates depending on where you stay and work. But with online dating, the boundaries are broken and you get exposure beyond your neighborhood and country. It is possible to meet singles across the globe and this comes is a good thing because the probability of you finding a compatible partner is quite high.

Convenience - Life can be hectic, especially when you have too many responsibilities because then it means you have less time to attend to other areas of life such as dating. The good thing about online dating is that you can maintain a relationship without having to interfere with your working schedule as it is the case with traditional dating. Considering that chats and emails are commonly used in online dating, you can handle them as you go about your usual duties and tasks. You also enjoy the flexibility of dating at any convenient time, even before retiring to bed something that would be impossible to do when you choose offline dating.

Flexibility - Online dating does not only make you flexible in time, but also in the number of dates you can have at a time. You can contact as many singles as you like and have the freedom to evaluate and drop them one at a time depending on your preferences. You can easily refuse approaches and end contact without worrying about hurting the feelings of other singles. You can also have more than one relationship going before making your choice without any awkward moments as it happens with traditional dating.

Variety – People have varying dating preferences. For instance, whereas some might be interested to date a different race, some would rather stick to their races and locations. Some might be interested in finding love and getting into serious relationships while others would rather do casual encounters with no strings attached. Online dating sites cater so such needs, offering a variety of all singles. Some sites actually accommodate singles from specific age groups and this is a feature that makes it easy for the singles to join the most relevant sites depending on what they are looking for. It is something that would be hard to do when dating offline.

Discretion – It is another thing that has made online dating popular today. When you join a dating site, you can keep it a secret for as long as you want or until a time when you are sure about the relationship and then you can let everyone who matters now about it. The privacy you enjoy can save you from ridicule that can arise from recurring relationship failures and it also gives you the freedom of enjoying relationships that would otherwise not be approved by people around you.

Posted in Uncategorized | Comments Off

Stability, Predictability, Consistency, and Standardization in the Flow of Commerce

The best of all possible worlds is for the government to stay out-of-the-way of commerce, industry and business, and very rarely institute regulations. There are some times when government and businesses, industry associations should collaborate for the sake of standardization, but again, very rarely. The tendency to allow industry collusion, create monopolies, duopolies or quasi-cartels is just too easy. Further, once you create one regulation it’s hard to prevent the add-on affect, the temptation is just too great to add exceptions, additions, clarifications as lawyers, unions, and consumer groups work to lobby legislators to intervene with the regulatory apparatus.

A few years back this was a big conversation at our Think Tank, and one think tanker Andrew stated: “I would have to agree that businesses do need some form of standardization, but we must also understand several concepts! A business must have the capability to micromanage for maximum efficiency. I believe states should be granted the power to standardize businesses, not the federal government.”

Okay but, where I see the definite need for standardization are with things like Internet Protocols, railway track width, freeways for intrastate travel, airport runway markings, frequencies used in communication, food safety, etc. In a big state like TX you could get away with doing almost everything counter to the overall prevailing way of doing things, it’s practically large enough to be its own country, and some Texans would prefer it to be still. Pretty independent minded, even with the population’s mindset of succession from the union. It even has its own electrical grid.

Still, with regards to the flow of energy, transportation, distribution, communication, currency, etc. we need standardization. And to the point of having each state decide, what about every county, every city, or every HOA, down to every person, where do you stop the breakdown of centralized standardization.

The argument for state level standardization could be argued against by someone who is a County Supervisor telling the State to go to hell, we want to do it our way, especially a county like the County of Los Angeles, with 16 million people in it, also larger than most countries. How about a city telling the county where to go, again as an example, let’s take the City of Los Angeles VS County of Los Angeles, see the point.

And realize I am not making an argument for a global government here, but we also need some standardization there too, for aviation, which we do have, maritime, trade rules, and having the Central Banks work together so no one Central Bank doesn’t destroy the entire global economy. See that point. We need SOME standardization, but we MUST retain regional variation. We do this at the Global Level, but we don’t do it enough at our Federal Level with regards to the states in the US and that’s why we have issues now. Think on this.

Posted in homepage, Uncategorized | Comments Off

Pros and Cons of Wild Animals As Pets

Many people find the idea of ​​having wildlife as pet as exotic and exciting. However, if you want a wild animal as a pet, you should have thorough understanding of the animal and its behavior and needs. The people who have these animals as pets are invariably trained to handle them, but even they will tell how unpredictable these animals can be. You may have read stories in the newspaper of zoo keepers being mauled by their wards.

So, having wild animals as pets has become quite a sensitive and controversial issue. Some people like to highlight the pros, while others just point out the cons. However, both should be weighed equally and only then a decision should be taken to keep a wild animal as a pet.

Here are some pros and cons of wildlife as pets.

Sometimes, conventional pets like dogs and cats can not be kept due to lack of space. In such circumstances, one can keep a wildlife like a hedgehog or gecko as a pet as they do not require that much space. Some wild animals have their own benefits. Like a hedgehog can be used to keep insects and others pests at bay in a house.

Often it has been seen purchasing a wild animal can be cheaper than purchasing a pet that is popular and has a pedigree.

Also, many proponents of wild animals feel that some species have a better chance of survival if they are adopted. It has been seen that the dart frog is facing a problem in the wild as its natural habitat is diminishing. Here, if this animal is adopted, it will have a better chance of survival.

However, there are sufficient cons and disadvantages of owning wild animals as pets. First of all, one has to take into consideration the welfare of the animal. Having a wildlife means giving due consideration to its diet, exercise and social interactions. Often, the animal will not have any interaction with other animals of its own species and will be left to lead a lonely and solitary life. Also, the owners will not be equipped to provide proper care to the animals as they may not be well-versed in these things. Many wild animals look cute and cuddly when they are small. However, as they reach adulthood or sexual maturity, their wild side takes over and the animal becomes aggressive. This is the time many owners abandon their pets or give them away to zoos.

Wild animals are carriers of many diseases that are lethal to humans. For instance, reptiles and amphibians are carriers of salmonella infection and each year thousands of people in the US contract this disease due to their pets. Also, rats imported from Africa are known to carriers of monkey pox. An outbreak of this disease occurred in the US in 2003 when Gambian rats bought in the monkey pox into the country.

Above all, the demand for wildlife as pet is increasing. So, many illegal traders are taking advantage of this demand. Most of the wild animals are captured and then transported in cruel and inhuman manner to reach their owners. In addition, majority of the owners do not know to take care of the animals and this causes them to fall sick or even die.

So, weigh the pros and cons of having wild animals as pets before jumping to adopt one. Make sure that you are properly equipped to handle the care of the animal. Do not adopt one if you have any doubts.

Posted in Uncategorized | Comments Off

The Meaning Of Quality In Health Care

The process of receiving health care services at the correct time in the appropriate way and to get the best possible outcome is defined as quality health care.

Six attributes of health care quality

• Safety – Care should not harm any patient.

• Patient centered – Individual needs should be taken care of when providing care.

• Timely – Care should be provided exactly on time.

• Effective – Care must be based on evidence.

• Efficient – Wastage of time should be reduced.

• Equitable – Equal care should be provided to every patient.

What is quality health care?

The meaning of quality health care is not the same for all people. According to some patients, quality care is to consult a doctor, to get proper treatment from the staffs of a hospital and to have a physician who can spend much time with the patient. But all these things are secondary. Clinical quality of care is the most important thing because more lives can be saved by providing evidence-based and high quality care.

Does quality equal safety?

Yes, quality equals safety. The quality of care is to be improved by the health care providers because it can save more lives of the patients.

How is health care quality measured?

Outcome indicators and process indicators are the two ways of measuring quality of care. Timelines and baseline practices are measured by process indicators. Complication rates, mortality rates and infection rates are measured by outcome indicators.

These indicators can be looked at by the consumer to compare the hospitals. National accreditations, recognitions and state of the hospital should also be looked at by you to measure quality.

What are quality measures and quality indicators?

The process of converting the medical information of a patient into percentage or rate to analyze the quality of care provided by the hospitals to their patients is called a quality measure. You will be given information by quality measures about how the patients are provided care by the hospital. This quality information can be used by you to compare the quality care of different hospitals.

What role do nurses and doctors play?

A very important role is played by the doctors and nurses. Quality care should be provided by all the nurses and physicians, clinically and satisfactorily. All the staffs in a hospital such as the receptionist, scrub nurse, hospital administrator, physician and the X-ray technician are responsible in providing quality care to all the patients.

Remember all these features when you will go to get quality health care from any hospital.

Posted in Uncategorized | Comments Off

How To Promote Your Business In Today’s Economy

Marketing a business is undoubtedly one of the most daunting tasks for any new entrepreneur. It’s one thing is to establish a business, but it is another thing to promote it. There are so many businesses, created by passionate people, that eventually collapse due to one reason – a lack of sales.

The purpose of any business is to sell something; either tangible or intangible. Tangible products are your tradition retail type of stores. Intangible products tend to be more service oriented. It is possible to have a combination business (such as painting; carpet installers, etc.). However, every entrepreneur is faced with the same problem of making their business known to the public in order to attract as many customers as possible.

There are many ways of promoting a business. The way you promote your business will basically depend on the type of industry your business belongs to. What works perfectly well for one business may not work for another type of business. Therefore, discretion is advised in adopting any of the steps listed below in promoting your own business:

1. Create a Website: Setting up a website is the surest way to make your business known by your potential customers. The first thing people do when trying to find out about your company is to search for it on Google. Your website has a way of creating a particular perception about your business. The more professional your website looks, the more professional your business will be perceived. The logical corollary is that you should link your social media channels back to your website.

It is not enough to just create a website, it is vitally important that you optimize your website by submitting it to major search engines like Google, Bing and Yahoo. This will enable your website to come up on those search engines whenever potential customers are searching for a product or service you offer.

2. Local Advertising: A business needs to be advertised to the people in the immediate area. A business owner may choose to advertise using billboards, posters, handbills, or any other affordable form of advertising. A company with a good budget may advertise with local newspapers, magazines, television and radio stations to attract a very large audience. Of course, this depends on the type of business you are in. An online only business might not want to try advertising on some of these outlets.

3. Conduct Social Media Campaigns: Advertising via social media is the cheapest and easiest way to reach out to your customers. Using Facebook, Twitter, Pinterest, Instagram, LinkedIn, etc. is free or relatively cheap. You have the ability to reach a larger audience than you could reach with local advertising.

There are over one billion active users on social media. Tapping into this huge resource will give you a greater chance of connecting with more people and introducing your business to them.

4. Email Marketing: Another good way of taking your business directly to your customers is by sending emails to your current or past customers anytime you have a new product. This is not a difficult task. You can do this by requesting for email addresses on your website or invoices. You can encourage your website visitors to give you their email address in exchange for a gift available for instant download to their email inbox.

5. Send another offer to customers immediately after a purchase: When a customer buys from you, introduce them to another product/service you offer. This is a great way of marketing your products to customers. Customers who buy your products have proven that they are able to pay for your products/services and that they have a level of trust with you. You should seize the opportunity to introduce other items or services you offer to them. Even though they may not buy right then, at least they know you are offering that service or item as well.

6. Ask your customers for referrals! You would be surprised at how quickly my business grew when I implemented a system of asking for referrals! I literally doubled my income in a matter of months. I also kept my schedule full of new appointments! Referrals could grow your business (online or traditional) exponentially! Think about it like this: It takes you (for example) 1000 leads to get ONE subscriber or appointment. Let’s assume you close 1 out of 3 subscribers or appointments and make them into customers. So it takes you 3000 leads to get ONE customer. If each customer provides you with three referrals, and the same ratio holds true (which it should double because your customers are not going to send you to people to make them mad – they will send you to people they know need your services), now each one of those purchased leads results in TWO sales! Then you ask that customer for three referrals – and the cycle keeps going.

These are just some of the ways in which I have built my business. Some of these techniques may not work in your business niche. If any of them do apply and you are not currently trying these ideas – give them a try! The results could, literally, catapult your business to the next level!

Posted in homepage | Comments Off

Medical Records Retrieval for Law Firms

• MODERN MEDICAL RECORDS RETRIEVAL SERVICE – AUTOMATION, COMPLIANCE, SAVINGS

The modern Medical Records Retrieval (MRR) service is a combination of modern web-based technology and a rules-compliant outsource solution. Historically lawyers and their staff would have to set aside a portion of their time, often a lot of time, to capture necessary information for cases that involved medical records. It’s not that the process is complex. Quite the contrary, every attorney, paralegal, and litigation-support person knows exactly what needs to be done.

It may appear simple, but it is a very manually intensive process. Someone at the firm must acknowledge the need for the records. Necessary forms must be completed to ensure compliance with a myriad of laws (including HIPAA), which the firm and often the patient (who may or may not be the firm’s client) would need to initiate a request. Then, the firm must track the progress of the request, and eventually receive, review, and organize the results, or note that there were no medical records available related to the matter.

To support the business of running a law practice, sophisticated and affordable software tools include new client/business intake, workflow automation, and conflicts management. Vendors who provide early case assessment tools and e-discovery-based technology-assisted review have begun to offer solutions for small firm and solo practitioners. In this article, we will show you how you can improve productivity, lower costs, and better manage billing for MRR expenses.

How Medical Records Retrieval Services Work

Here’s how a typical MRR service works for a small firm/solo practice. One of the firm’s employees logs into a secure, encrypted website. He or she then submits an order outlining the patient’s information, the records being requested, and any other data necessary to complete the request. What happens next is truly a game-changing activity. Instead of the firm’s billable resources chasing record requests from hospitals, doctors, and other healthcare providers, they go back to doing other, productive work, while the MRR process self-executes, and eventually provides you with the requested information and documents or informs you that there were no responsive documents.

Questions Regarding MRR Services

The availability of MRR services presents all attorneys, but especially solo and small firms, with the following important questions:

• How do you start with an MRR service?

• How are the record requests processed?

• Is this process HIPAA-compliant?

• When and how am I alerted to the status of my requests?

• How do I distribute the costs/fees associated with outsourcing medical records retrieval?

Choosing Your MRR Provider

To reduce the risk of choosing the wrong MRR service, consider the following best practices:

1) Ensure that the MRR service can prove secure access to its website (and your records) via a login and password.

2) Understand the MRR service’s processes to ensure protection of privacy.

3) Understand its service level agreements, which explain their process and anticipated turnaround time.

4) Verify that the MRR service has experience with expediting record requests by requesting a list of reference clients.

5) Review the process by which you and/or your staff are notified of updates, including record availability or notice of “no record found.”

6) Ask for the MRR service’s price schedule, preferably in a format that will permit you to do an apples-to-apples comparison of the fees of other MRR services.

When possible, a dedicated MRR service is a better choice than a firm that offers a multitude of legal practice services of which records retrieval is only a small subset of their overall business.

Getting Started with the MRR Provider

Upon choosing your MRR provider, the steps to starting to work with the provider are straightforward and similar to those when signing up with any on-line type of service:

• The firm identifies the approved personnel who are authorized to access the secure system.

• A unique user ID is created for the firm at this time, with a strong password required for all future access.

• Often, this is also the time that billing information is provided, and thus a financial account with the firm and MRR is created for future invoicing.

• Each authorized person completes a new user profile and sign-on request. The user must provide email and phone contact information.

• It is the responsibility of the law firm to notify the MRR as soon as possible in the event that an existing authorized user should be removed from the access control. The MRR should remedy and respond as soon as the user access has been removed.

• While the use of the MRR site should be quite easy for most users with minimal training, additional site support generally is available from the MRR’s services personnel via phone or email request.

Safeguarding Privacy

No matter how beneficial the technology, the firm must ensure compliance of federal and state HIPAA guidelines and any ethical rules about maintaining client confidences. Therefore, they must ensure that the MRR service collects, hosts, and provides access to client(s) records while maintaining compliance with privacy guidelines. Note: This should be part of your due diligence when selecting a provider.

The MRR Service should comply with Federal and state privacy laws. MRR services should keep up to date with changing rules of privacy such as the HITECH Act.

MRR agreements should expressly state that no personally identifiable health information (PHI) can ever be used for non-business related activities such as marketing and/or sales lead generation.

Record Processing

Once you have chosen an MRR service and set up your account, obtaining medical records is relatively straight-forward:

• After you enter a request into the system, the MRR service creates an MRR record request connected to the unique ID of the requester (the specific user at your firm), and confirms receipt of the request via an email.

• A reviewer is assigned to assess the necessary actions to fulfill the request, and will notify the user of any questions regarding the record request. In some states, including California, an electronic request can be executed from the MRR service to the healthcare provider, eliminating the need for paper-based transaction.

• The provider then tracks the request, and conducts any follow-up communication by any means available, including email, telephone or in-person visits if necessary, to acquire clear copies of records requested.

• If the record is available and legible, it is scanned into the secure web-based system for access by the user. Otherwise, a “no record found” is annotated to the request, and communicated back to the user.

Communication Is Key

Nothing can be more frustrating to case management than waiting for needed information from a third party. The MRR service must not only forward the record request to the healthcare provider, but also must provide the firm an ongoing and timely response regarding status. Each record must be tracked in real-time with detailed notes from the MRR agents. The MRR service should send alerts if additional information is required, provide replies via email, and deliver the link to download and/or view completed requests as soon as the records become available. Again, during the selection process, you should ascertain the provider’s practices regarding communications, and include them in the contract.

Speed Is Critical Too

Obtaining the medical records timely is critical, whether to respond to discovery, to make or oppose a motion for summary judgment, to get an expert up to speed, or to settle a case. A reliable MRR service will offer a quick turnaround. They have the experience working with medical locations to obtain records faster than a law firm’s in-house staff. After all, a law firm staff member may encounter (or, in truth, may feel like they have gotten stuck with) the occasional medical record search, but the MRR service is a specialist in the process of collecting information, including “no records found.” So, the MRR service’s very job is obtaining medical records, and therefore will have the process down to a set of specific steps, and can support their clients via a web interface.

Relationships With Healthcare Providers

Sometimes hospitals, physicians’ offices, and other healthcare providers may treat the occasional request by an attorney for medical records as an inconvenience, not respond as quickly or perhaps as completely as the attorney or client would like. A smart MRR service will develop long-term relationships with healthcare providers and their staff to get the data needed promptly and efficiently. This will improve the quality of the document production, reduce its cost, and speed the process up.

Database Strength

Medical records often can be in a different location or city than the healthcare provider. For example, billing records for hospitals are usually in an offsite facility, sometimes in another state. With the advent of electronic records, more healthcare providers are centralizing their records offsite with the umbrella company of their medical group/hospital. Without the information on how and where to request records, in-house staff can waste valuable time sending requests to the wrong locations or having to spend the time to find out where to send the requests. A strong database on where and how to request records from healthcare providers therefore is key to save time, ensure complete result, and save money. MRR services have the incentive and the resources to develop such a database. Law firms, especially solos and small firms, do not.

In addition the importance on the database in requesting medical records, it is equally important on the production side. Virtually all medical records are produced in digital format. Records are typically available in PDF or TIFF file format, making them searchable by many document management systems – including on premise, cloud-based, web-based or hybrid systems. They are usually made available for download and/or viewing from virtually anywhere on any device that supports a secure micro-browser. The MRR service maintains the medical records for ongoing access by the user and any authorized personnel.

MRR Costs and other Considerations

The MRR service will charge you for their services. However, because the firm’s resources are freed up to work on activities that generate revenue for the firm, the costs of using an MRR service will be offset at least in part, and perhaps in full. In addition, depending on your fee arrangement with your client, the invoices from the MRR service may be directly billable back to the client or at least accounted for as a recoverable cost. (Many MRR services charge no monthly fees for having an account, and thus the firm only incur fees on a usage basis, which can then be charged to the cases for which they are required.)

Summary

While many firms may continue the “do-it-yourself” approach, solos and small firms should consider using an MRR service. In addition to the higher costs of installing and maintaining one’s own record management system, the soft costs and resource consumption make this a less favorable alternative. A qualified, experienced MRR service offers a cost effective, robust platform for processing, monitoring, and tracking medical records requests. Record management and processing is HIPAA-compliant, always available, and secure-which in-house processes may not be, with the attendant risks. Use of an MRR service does not require capital expense to leverage digitally filed and maintained medical records. Firm resources can be repurposed from tracking record requests to meaningful and fee-generating activities. Client satisfaction may improve as matters are able to be processed more efficiently, and firm business may increase. The results of using an MRR service are measureable and immediate. It’s literally a one-click quantum leap from manual, resource-heavy processes to a modern, digital, secure web based management for your practice.

Posted in Uncategorized | Comments Off

Make Money Online by Selling Other People’s Products

A lot of people are now getting into internet businesses and online marketing either to add extra income or eventually making it their primary source of income. Why? Because online marketing can provide better benefits!

First, you can contact and communicate with just about anybody in the world who has internet connection if you advertise your products online. That indicates a broader market reach for you, which can convert to larger profits. Second, setting up an internet based business needs only a portion of the cost required to set up an actual company establishment, which indicates lesser expenses for the business owner

Another thing that has drawn a lot of attention from people towards online marketing is the fact that you are not required to have your own product to begin. In online marketing, anyone can start generating profits online just by promoting, or even by just trying to sell other people’s items. Getting started with this type of marketing procedure is actually quite simple. All that you need to do is to set up a compliance agreement with an online merchant or vendor, and after everything is set up, one can instantly begin to generate profits by promoting the vendor’s or the store’s items.

Furthermore, the most popular and the fastest method of selling other people’s products and services on the internet is affiliate marketing. Affiliate marketing, in its basic definition, is a relationship between an internet merchant or store, who has items to sell, and his affiliates, who are willing to sell the vendor’s product on their website.

In a common affiliate marketing set up, the vendor provides his affiliates with advertisements, either banner or text type that directly links to his site. The affiliates will then get these ads placed on their site and they get compensated whenever visitors or product purchases directed to the vendor’s web page. Affiliates are often compensated on sales by commission, although other online product vendors would opt to pay a set fee for the affiliate’s compensation.

Getting started to make money online through affiliate marketing is fast and simple. You just need to sign up as an affiliate marketer to an affiliate program. Another option is to sign up as an affiliate on an affiliate network that hosts different affiliate programs. Signing up usually costs nothing, although some networks might require you to pay a small fee that may be the amount as a payment for the additional service those companies render like tools, webinars and training materials.

When you sign up with an affiliate program, you are usually required to fill up an information form about yourself. Some affiliate marketing programs may also need you to present the URL of your web page and describe its content. This will allow the retailers to verify that you actually have a web page with material that are relevant to their products. Some affiliate programs, however, does not require you to have a website. After filling out the form, you are then free to choose the affiliate programs you want to use.

After signing up with an affiliate program and becoming an affiliate, you are now ready to make money online by selling other people’s products. How do you make money? There are actually various ways for you to generate income as an affiliate marketer, and most of these ways depends on the type of affiliate program you’ve sign up for.

A lot of affiliate programs pay their affiliates in either of three methods: pay-per-click (PPC), payper-sale (PPS), or pay-per-lead (PPL). In pay-per-click marketing, the affiliate is compensated whenever he directs traffic to the vendor’s site. PPS and PPL online marketing programs is different. In PPS, the affiliate only gets paid when his referral converts into a sale. In typical PPS online marketing program, the affiliate would usually get 15% to 20% commission for each conversion. Pay Per Lead works the same way, although affiliates are paid a fixed compensation whenever his referral converts into a lead for the vendor.

Some affiliate programs are two-tier, which means the affiliate is also allowed to refer other affiliates to the vendor. In such affiliate program, the affiliate would not only be paid for the visits or sales that he would redirect to the merchant’s site but also for the visits or sales directed by the affiliates who signed up with the program through his referral.

Another way of earning more profits with affiliate marketing is through residual affiliate programs. Residual marketing programs are affiliate programs where the affiliate gets compensated a number of times for as long as the vendor keeps the customer the affiliate has recommended to his site. One type of residual program gets the affiliate compensated a commission every time the referred customer purchases something on the vendor’s site.

Another form of residual program gets the affiliate paid every month for as long as the merchant keeps the customer being referred.

With a lot of choices available and a lot of methods to generate income, affiliate marketing is simply the most popular and the easiest way to earn cash by selling other people’s products on the internet. As to how much cash an affiliate can generate from affiliate programs actually depends on the affiliate. A persevering and diligent affiliate would certainly get more from affiliate marketing compared to those who would simply sign up and forget about it later on.

Posted in Uncategorized | Comments Off