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<?xml version="1.0" encoding="UTF-8"?><rss version="2.0" xmlns:content="http://purl.org/rss/1.0/modules/content/" xmlns:wfw="http://wellformedweb.org/CommentAPI/" xmlns:dc="http://purl.org/dc/elements/1.1/" xmlns:atom="http://www.w3.org/2005/Atom" xmlns:sy="http://purl.org/rss/1.0/modules/syndication/" xmlns:slash="http://purl.org/rss/1.0/modules/slash/" > <channel> <title>mwnhdms.info</title> <atom:link href="http://mwnhdms.info/feed/" rel="self" type="application/rss+xml" /> <link>https://mwnhdms.info</link> <description></description> <lastBuildDate>Wed, 13 Mar 2024 23:38:55 +0000</lastBuildDate> <language>en</language> <sy:updatePeriod>hourly</sy:updatePeriod> <sy:updateFrequency>1</sy:updateFrequency> <generator>http://wordpress.org/?v=3.1.3</generator> <item> <title>Remodel Your House the Way You Please with a Home Improvement Loan</title> <link>https://mwnhdms.info/remodel-your-house-the-way-you-please-with-a-home-improvement-loan/</link> <comments>https://mwnhdms.info/remodel-your-house-the-way-you-please-with-a-home-improvement-loan/#comments</comments> <pubDate>Fri, 07 Apr 2023 22:20:30 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Home Improvement]]></category> <guid isPermaLink="false">http://mwnhdms.info/?p=84</guid> <description><![CDATA[Good homes are still the best source of good humans. And to retain this goodness and beauty most of us go for home improvements which includes both major and minor changes. You might be looking for a kitchen renovation or a room extension. You might also be planning for painting walls, flooring, adding new fixtures [...]]]></description> <content:encoded><![CDATA[<p> Good homes are still the best source of good humans. And to retain this goodness and beauty most of us go for home improvements which includes both major and minor changes. You might be looking for a kitchen renovation or a room extension. You might also be planning for painting walls, flooring, adding new fixtures to kitchen and bathrooms, installing heating and air conditioning systems, creating an additional room, and much more. Whatever be your plan or requirements, a home improvement requires its own share of expenses. But, rarely do we have the required finance to materialize our dream of improving our home as per our requirements and plans. In such as situation Home Improvement Loans come in handy. Home Improvement Loans are specially crafted to renovate your house the way you please.Millions of home owners in UK undertake home improvement projects every year. Home Improvement Loans not only helps you to materialize your plans of home improvement the way you please but it also increases the resale value of your house. The interest that you pay on a Home Improvement Loan is justifiably adjusted by the increase in the value of your house. However, it is advisable for you to make sure that the amount you spend on home improvement does not exceed the increase in the value of your house.Generally, Home Improvement Loans allow you to borrow from £5,000 to £75,000 with low monthly repayments. The loan can be repaid over any term between 5 and 25 years, depending on your affordability and the security against the loan.Like most other types of loans Home Improvement Loans can also be broadly classified into two types: Secured Home Improvement Loans and Unsecured Home Improvement Loans. A Secured Home Improvement Loan which requires your property as collateral generally offers lower interest rates as compared to unsecured ones. An unsecured loan for home improvement in UK will be ideal for projects costing £10,000 or less. The amount you will be allowed to borrow generally depends on the lender’s terms and policies and the amount of equity in your property. Choose judiciously while improving home and taking money against it. Before applying please make sure to understand the repayment terms as this will help you to avoid the risk of repossession of your home. Home Improvement Loans can act as the best resort if used properly.For further reference visit http://www.shakespearefinance.co.uk </p><div class="mads-block"></div>]]></content:encoded> <wfw:commentRss>https://mwnhdms.info/remodel-your-house-the-way-you-please-with-a-home-improvement-loan/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>The Investment Value of Art</title> <link>https://mwnhdms.info/the-investment-value-of-art/</link> <comments>https://mwnhdms.info/the-investment-value-of-art/#comments</comments> <pubDate>Wed, 05 Apr 2023 09:56:30 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Animation]]></category> <category><![CDATA[Arts and Entertainment]]></category> <category><![CDATA[Body Piercings]]></category> <category><![CDATA[Casino Gambling]]></category> <category><![CDATA[FictionTattoos]]></category> <category><![CDATA[Film Editing]]></category> <category><![CDATA[Movies TV]]></category> <category><![CDATA[Music]]></category> <category><![CDATA[Music Industry]]></category> <category><![CDATA[Music Instruction]]></category> <category><![CDATA[Painting]]></category> <category><![CDATA[Performing Arts]]></category> <category><![CDATA[Photography]]></category> <category><![CDATA[Visual Graphic Arts]]></category> <guid isPermaLink="false">http://mwnhdms.info/?p=82</guid> <description><![CDATA[Whether art makes for a good sound investment strategy or not, is a question that has been asked over and over again for many years. The fluctuating market condition, economic recessions and different trends in diverse art forms constantly makes people wonder as to whether they should put their money in this market. In this [...]]]></description> <content:encoded><![CDATA[<p> Whether art makes for a good sound investment strategy or not, is a question that has been asked over and over again for many years. The fluctuating market condition, economic recessions and different trends in diverse art forms constantly makes people wonder as to whether they should put their money in this market. In this article, we try to examine the investment value of art, current trends and the pros and cons of investments here.Investment trendsTrends of art sales over the years have indicated that its value has gone up. In fact, over the past twenty years, this market is noted to have performed much better than the stock market. Many auctioning stores like the prestigious Christie’s and Sotheby’s have an increasing number of art pieces today, thanks to their growing value and high fetching prices. Markets of 2008 indicate a high inclination towards contemporary art including pop art.The upside of art investmentTrends have indicated this market to perform equally and often better than even the stock market. Also, artworks can be displayed at home/office, adding to it the prestige value that is not available with stocks. Investment in arts is good as a portfolio diversification strategy, adding to your list of assets. Experts also add that this market is less volatile and much less sensitive to economic crisis and geopolitical issues. Finally, it can stand the test of time, be handed over to generations as a beautiful gift and can be shown off.The downside of art investmentArt collectors and sellers also need to be aware of the downside of this market. It is less liquid an investment as compared to money markets and can take much longer to translate into profits. Moreover, not all forms of art will get good returns. In times of economic crisis, though art will continue to sell, it is only that buyers will become more selective on what they buy. Current trends during the time of selling and the economic market will decide the prices of your art piece. Also little effort is being done to convert art into a security.For art sellersIf you are an art seller with prestigious or creative pieces with you, the best time to market yourself is now. People are on the lookout for good pieces of art that can be purchased at a low price and later on be sold for higher returns. The Internet is emerging as a strong selling platform and artist websites, forums and third party sellers are today available to advertise your wares.For art collectorsIf you are an art collector who does not want to invest large sums in art, start with small artists and lower priced artworks. Most importantly, collect art not for investment purposes only, but because you appreciate it. In fact, the market shows that high prices are paid for art not for their investment value but are purchased by the rich for enhancing prestige, ego or for fueling their passion of collecting. The value of art should primarily lie in its intrinsic beauty more than anything else. Just like demand drives supply, rates of pieces in demand go up with dwindling supplies.More than being a thing of beauty, art is today being measured by its monetary worth too. While this is a good indicator for art collectors, do not buy art just for the sake of making money. The primary purpose of art is to bring joy and add beauty, and investing on this can never go wrong. </p>]]></content:encoded> <wfw:commentRss>https://mwnhdms.info/the-investment-value-of-art/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> <item> <title>Health Insurance As Currency: A Different Perspective</title> <link>https://mwnhdms.info/health-insurance-as-currency-a-different-perspective/</link> <comments>https://mwnhdms.info/health-insurance-as-currency-a-different-perspective/#comments</comments> <pubDate>Tue, 04 Apr 2023 23:44:13 +0000</pubDate> <dc:creator>admin</dc:creator> <category><![CDATA[Uncategorized]]></category> <category><![CDATA[Acne]]></category> <category><![CDATA[Anti Aging]]></category> <category><![CDATA[Beauty]]></category> <category><![CDATA[Cosmetic Surgery]]></category> <category><![CDATA[Diabetes]]></category> <category><![CDATA[Drug Abuse]]></category> <category><![CDATA[Health and Fitness]]></category> <category><![CDATA[Massage]]></category> <category><![CDATA[Meditation]]></category> <category><![CDATA[Nutrition]]></category> <category><![CDATA[Personal Training]]></category> <category><![CDATA[Popular Diets]]></category> <category><![CDATA[Skin Care]]></category> <category><![CDATA[Spa and Wellness]]></category> <category><![CDATA[Speech Pathology]]></category> <category><![CDATA[Weight Loss]]></category> <category><![CDATA[Yoga]]></category> <guid isPermaLink="false">http://mwnhdms.info/?p=80</guid> <description><![CDATA[The “Health Insurance Card” and Health Insurance have taken on an importance in everyday life. These two items have, in a way, taken on a life of their own. Amidst today’s fervent, raging and emotionally charged debate over health care reform, the whole concept of Health Care Insurance should be re-evaluated. This is just one [...]]]></description> <content:encoded><![CDATA[<p> The “Health Insurance Card” and Health Insurance have taken on an importance in everyday life. These two items have, in a way, taken on a life of their own. Amidst today’s fervent, raging and emotionally charged debate over health care reform, the whole concept of Health Care Insurance should be re-evaluated. This is just one Health Care practitioner’s perspective on one small aspect of health care delivery. It is fueled out of my confusion that patients don’t seem to understand their personal responsibility for payment of the services (care) that they receive (purchase). It is almost as though health care has been devalued to the point that we don’t comprehend paying for it.There is much confusion regarding the role and use of health insurance. Health care coverage is a product. It is sold to you, the consumer, by businesses. The business’ product is “health care coverage.” Coverage varies depending on the plan that you purchase. Cost of the “plan” varies depending on the scope of the coverage. Just like the size, quality and performance of an automobile may vary depending on the price you are willing to pay. The more you pay, the more you get. Health care insurance coverage works the same way.Companies providing health care insurance are profit making businesses. They are not charities. I am hearing a great deal of mumbling (ok it’s more like shouting) about the profits that these companies are making. Many of us own stock in these companies in the form of our mutual funds. They are supposed to be profitable. Why are we thinking that there are moral dilemmas inherent in profiting from helping someone improve their health? Why should saving a life, solving a skin rash problem or counseling someone on being a better parent be non-profitable ventures? Can I be the only one seeing the benefit in all of these? I would pay for these. And if we wouldn’t pay for these services, is it the services themselves or our own selves that we fail to value?Most people don’t even realize the single largest benefit to being enrolled in a health insurance plan. The largest benefit to health care insurance is that it buys the consumer a discounted rate for any health care related services that it covers. This is the biggest single benefit and most consumers don’t even realize it. When a provider is “participating” with an insurance company they agree to accept a fee lower than their full regular rate. HMO and POS plans pay the lowest fee to providers. PPO plans pay better, but still lower than the provider’s full rate. When a provider is “participating,” they always accept a “negotiated fee schedule” which is lower than their regular rate. The patient is responsible for only a co-payment as long as services provided remain within the benefits of the plan that they purchased. If the desired service is not covered in the insurance plan, the consumer is responsible for payment in full. Referencing back to the automobile analogy, if your care didn’t come with 20 inch rims and you want them, you have to buy them. You don’t expect the car dealer to pay the auto store for your rims.When a provider chooses to be “non-participating” with an insurance plan, they charge what they want for their service. The “plan” usually covers up to a percentage of a “usual and customary rate,” or UCR. A provider can charge the UCR exactly, or above or below it. The patient (consumer) is responsible for the balance of the unpaid bill. In many instances, the patient pays the provider directly and in reimbursed by the insurance company. HMO and POS plans usually do not cover services provided by non-participating providers. This is partly how the can keep the cost of the insurance to the consumer low. It does, however, limit the consumer as to which providers will be covered for payment.So with this understanding, health insurance is a product that we convert into a form of “currency” accepted by some providers as partial or full payment for rendering a service. It is the equivalent of dollars, pesos, a check or credit card. It is, in a way, a “promissory note.” It is a promise to the provider that they will be paid several weeks later after sending the insurance company a bill. It covers what the creator (the insurance company) and the service renderer (the provider) agree that it covers. Just as your local grocery store may agree to accept dollars and credit cards but not checks or pesos, your health care provider may or may not agree to accept your insurance as payment for a service.The dilemma faced by many providers is a patient’s lack of understanding of the scope of coverage, payment and benefits, and the role of the insurance card in all of this. Let’s compare the insurance card to a credit card or a check. Some merchants accept them. Some do not. It’s up to the discretion of the merchant. If the credit card goes through at the time of the billing with no problem, you get your merchandise. If the card is declined, you either provide alternative payment, cash, check or money order, or you leave the store without the merchandise. If your check bounces, you don’t get the product.Maintenance of the card (or currency) is the responsibility of you, the consumer. If your credit card has run out of date, is over the limit or has insufficient funds, you need to provide alternative currency to leave the store with your merchandise. The same is true with the health care plan ID card. If your currency is invalid, meaning, your plan denies payment, you need to provide alternative currency. And it is your responsibility to maintain your currency (card) as current and active.One of the most time consuming and costly activities in any doctor’s office is dealing with insurance companies. The following activities by a doctor’s staff cost money beyond what a consumer can imagine. They are: insurance verifications; insurance authorizations; billing; phone calls after denial; re-billing; bookkeeper recording and tracking; co-payment billing; and on, and on, and on.Patient understanding of the concept of an insurance card as currency can go a long way to a smooth and successful transaction with the provider (the doctor). The health insurance plan covers what it covers. And doesn’t cover what it doesn’t. It is a product that has utility to the extent of the conditions of the purchase. And by purchase I mean the purchase of the insurance coverage. If the insurance doesn’t cover something, the consumer’s complaint is with the insurance company, or more likely with the employer whom negotiated the terms of the insurance coverage on behalf of the consumer. The provider (doctor) is not responsible for the terms of coverage of the insurance policy.So let’s summarize and make a point. Health insurance is currency. It isn’t a carte blanche to any and all that the doctor may have to offer. It’s a product that you purchased. It allows you access to what you agreed to when you bought it. And most of us didn’t read all of the 2,000 pages (exaggeration) in the purchase agreement at our company “open enrollment” meeting. It is your (the patient’s) responsibility to make sure that the currency is valid and covers the procedure that your are requesting, just as it is your responsibility to be sure that the check will clear or that your credit card has room on it when you make any purchase.I am concerned at the present use of the word “entitled” when we enter into the health care debate. Health insurance is a product that you purchased. We convert that product into currency to purchase other products, or various forms of health care. As far as what we are “entitled” to, I question if we are entitled to anything. Perhaps we are entitled to opportunity and access. If we see our health and health care as our personal responsibility, and that we may earn these, we may regard them more highly and take better care. </p>]]></content:encoded> <wfw:commentRss>https://mwnhdms.info/health-insurance-as-currency-a-different-perspective/feed/</wfw:commentRss> <slash:comments>0</slash:comments> </item> </channel></rss> If you would like to create a banner that links to this page (i.e. this validation result), do the following:
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