How Crowdfunding Can Help Pay Medical Bills

Crowdfunding can help pay for medical bills… it really is that simple. You can crowdfund for just about anything, including medical bills. Many times people are placed in a medical crisis and aren’t sure where to turn. Medical bills can accumulate in no time and medical bankruptcy is a real thing. You’d be amazed by … Continue reading “How Crowdfunding Can Help Pay Medical Bills”

Crowdfunding can help pay for medical bills… it really is that simple. You can crowdfund for just about anything, including medical bills. Many times people are placed in a medical crisis and aren’t sure where to turn. Medical bills can accumulate in no time and medical bankruptcy is a real thing. You’d be amazed by how many people in “your own crowd” are willing to help.

In a study published in January 2014 from the Center For Disease Control (CDC), one in four families experienced financial burdens of medical care.

This “financial burden” of medical care equates to medical bills that they can’t currently pay and are forced to pay monthly over time.

This study goes on to share that families with lower incomes were more likely to experience the financial burdens of medical care. Those families with incomes at or below 250% of the federal poverty level had the highest levels of any financial burden of medical care.

250% of the federal poverty level (based on guidelines for 2013) means that a family of four with an annual income of $58,875 or lower were at the highest level of the population feeling the financial burden of medical care for a loved one. That’s our middle class America. Those are the families living paycheck to paycheck and not prepared for a medical crisis.

The is a baby with his eyes closed and an oxygen canula in his nose. He was born with a bad heart, a weak immune system, and problems eating which caused a condition labeled by doctors as “failure to thrive”. Isaac spent the first year of his life in and out of hospitals in Las Vegas and at Stanford where he underwent multiple heart catheterizations and procedures, open heart surgeries, and had a feeding tube placed surgically to ensure he received the proper amount of nutrients. Isaac’s family had great insurance, covering 80% of all medical costs. But, they still spent over $100,000 out-of-pocket the first year of his life in deductibles and medical related expenses.

Shocking… right?

I know… My name is Kathy, and I’m Isaac’s mom.

I remember people asking us if they could have fundraisers for us, give us money… they would offer to do anything just to help. At that time, I could not have imagined the costs that we would incur, nor could I imagine all the things that insurance doesn’t cover. You assume that you pay for insurance, you’ll have a deductible… The End.

If that were only so.

Words of Advice:

Start a Crowdfunding Campaign Immediately

Don’t be too humble to let other people offer to help you. You really can’t imagine the costs of things in the medical world and how they add up. It is TOO hard to think about money when you’re talking about the healthcare of someone you love. You want anything and everything done… you’ll worry about the bills later.

From a Mom that’s Been There

Don’t expect the people in the middle of a medical crisis to be thinking clearly (well, I sure wasn’t). If you’re related to the family or just a loving friend… talk to them about the medical bills and the reality of the situation. Talk with them about what they need now and what their needs may be in the future and help them come up with a budget and plan to get everything their loved one needs. From bills, equipment, therapy sessions… even therapy dogs, all these things can be a necessity now or in the future.

How exactly will crowdfunding help pay my medical bills?

Well, they can’t send a check to the hospital for you, but they can offer you a platform that will help you tell your story as well as share it with your friends and family. The right crowdfunding platform will provide support for you all along the way, from guidance writing your story, picking pictures to post, sharing on the social media channels, and even help writing press releases to get national exposure.

Crowdfunding can help you pay for your medical bills by allowing YOU to take care of your family and letting your “crowd” help YOU. Donations will be made by people you have inspired and want to help you. These people will have a platform to donate to you on their schedule and an amount that is within their means. They will be assured that the funds are going directly to YOU and not an anonymous organization.

You are not alone in your medical crisis. Crowdfunding is a viable source for helping to pay for medical bills and other medical related necessities.

Credit Cards: Tips to Use Them Safely

There was a time when people roamed with a lot of cash in their pocket. This was because if you went shopping, the only choice was to pay by cash. But carrying cash always carried a safety threat as well. People could be robbed in the middle of the street and all that cash being accumulated by you is lost in a matter of seconds. Then came credit cards. For public that found it cumbersome to carry cash in the pocket, these cards were a boon. After all, this little innovation empowered them to buy all that they liked without bothering about the amount of cash in their wallet.

Today, credit cards are a common story. People have even equated the ownership of credit cards to be like a status symbol. However, none of this is true. We do agree that credit cards add convenience to your routine. But, at the same time, we would also recommend you to practice certain safety measures when you are using credit cards:

Always sign on the magnetic line. Most people forget to swipe their plastic card when they receive it. This results in the situation where they have been using the card for close to a decade without their signatures. Believe it or not, committing frauds using such unsigned cards is easy.

Swipe carefully: When you eat at a restaurant, don’t give the credit to your waiter for swiping it. Instead, ask for the machine to be brought on the table and swiped in front of you. With the new age portable machines, this is completely doable and minimizes the risk of being duped by the hotel staff. This rule is applicable in all transactions that you do with your credit cards.

Don’t reveal data to unknown people. If people call you and ask you for your plastic card number under the garb of making you participate in some other activity, please don’t reveal the details to them. Instead alert the legal authorities and let them handle the matter if you get such requests repeatedly.

The CVV number is secret. The CVV number is unique to your card and if it is revealed to a greater number of audience, the risk of being duped by the people also increases. Even when you are using the credit card for online shopping ensure that the transaction is facilitated by a secure and reliable payment gateway easily.

How to Check Your Credit For Free

Let’s begin with the question; why are agency values important? Agency values are important because they will likely determine the success or failure of your agency. Now that gets my attention.

Whenever the success or failure of a business venture rests on one concept, it warrants the time and effort to understand what’s behind the question; what focus or concept do we believe will best produce the result we desire. So, one might ask; just exactly what are some agency values.

To begin, Values are what drives effort and effort is what produces results, good or bad. Effort in the wrong places seldom produces the right results. So there are really two things here that are important-Effort and Direction. While both are important, Effort comes first-you gotta have some before you can direct it. Today we are only talking about Effort, Direction is for another day.

An example of how values drive Effort is often and most visibly played out in sales. A lot of sales activity (Effort) often produces more sales but possibly not the right sales (Direction). Now here is the exciting part-You can really, control your effort by choosing the right Values and matching the talent of new hire to those Values. The key here is to understand that people work to satisfy their values, not yours and don’t try to put into someone something that is not already there. All that boils down to looking for and hiring people who have values that match the agency needs.

So now it is beginning to get clear. Why do we want to know your agency values? Answer; so you can hire people with values similar to those of our agency. Now what are some agency Values of importance?

1. Theoretical Values- those who value knowledge and continuous learning or intellectual growth.
2. Traditional Values- those who value the tradition inherent in social structure, rules, regulations and principals.
3. Utilitarian Values- those who value achievement, results, and rewards for their investments of time, resources and energy.
4. Individualistic Values- those who value personal recognition, freedom and control over their future and the future of others.
5. Social Values- those who act to enhance the well-being of others.
6. Aesthetic Values- those who pursue a balance in their lives, who are creative, self-expressive and have a love for beauty and nature.

Easily Build Your Business Credit Simple Steps

Business Credit is credit that is obtained in a Name. With credit, the business builds its own credit profile and credit score. With an established credit profile and score, the business will then qualify for credit. This credit is in the name and based on the business’s ability to pay. Since the business qualifies for the credit, in some cases there is no personal credit check required from the business owner.

A starts building a brand new credit profile much the same as a consumer does. The starts with no credit profile. The business gets approved for new credit that reports to the business credit reporting agencies. The uses the credit and pays the bill timely. A positive business credit profile is established. As the business continues using the credit and pays bills timely it will qualify for more credit.

A cell or home phone number as your main business line could get you “flagged” as an un-established business that is too high of a risk. DON’T give a personal cell phone or residential phone as the business phone number. You can forward a virtual number to any cell or landline phone number.

Credit providers will research your company on the internet. It is best if they learned everything directly from your company website. Not having a company website will severely hurt their chances of obtaining business credit. There are many places online that offer affordable business websites so you can have an internet presence that displays an overview of your company’s services and contact information.

It is important to get a company email address for your business. It’s not only professional, but greatly helps your chances of getting the thumbs up from a credit provider. Setting up a business email address is just too easy and inexpensive to neglect.

One of the most common mistakes when building credit for your company is non-matching business addresses on your business licenses. Even worse is not having the “required” licenses for your type of business to operate legally. You will need to contact the State, County, and City Government offices to see if there are any required licenses and permits to operate your type of business.

A business credit report can be started much the same as a consumer report commonly is, with small credit cards. The business can be approved for small credit cards to help them build an initial credit profile. These types of initial cards in the business world are commonly referred to as “vendor credit”.

A vendor line of credit is when a company (vendor) extends a line of credit to your business on “Net 15, 30, 60 or 90” day terms. This means that you can purchase their products or services up to a maximum dollar amount and you have 15, 30, 60 or 90 days to pay the bill in full. So if you’re set-up on Net 30 terms and were to purchase $300 worth of goods today, then that $300 is due within the next 30 days.

Always apply first without using your SSN. Some vendors will request it and some will even tell you on the phone they need to have it, but submit first without it. When your first Net 30 account reports your “tradeline” to Dun & Bradstreet, the DUNS system will automatically activate your file if it isn’t already. This is also true for Experian and Equifax.

Why You Need Liability Coverage From Your Insurance Company

Designed to cover professional practitioners against claims of negligence made by clients or patients, professional liability insurance goes by many names. When used in the medical profession, it is commonly called medical malpractice coverage. Notaries public also require this security, but they refer to it as errors and omissions insurance. Real estate brokers, management consultants, and even website developers are all eligible for protection.

What’s It For?

Insurance is used to protect people in case something unfortunate happens. Auto policies protect them in the event of an accident; medical policies protect them from unexpected illnesses; commercial policies protect them from a number of mishaps. If there is a fire, theft, or an accident on the job, the commercial variety will cover it.

Why You Need It

Few companies are fortunate enough to survive for a protracted period of time without getting sued by a client, customer, or employee. Liability coverage from an insurance company is the only shield most businesses have against litigious attorneys. This goes double when an employer competes in a risky industry like construction. Why?

A construction site is arguably the most dangerous working environment on earth. Not because people are careless, but because making something, anything, is risky. Workers fall down stairs; they trip on cords; they cut themselves. Builders must assume this risk and purchase the right amount of coverage from their insurance company to protect them from financial ruin. But that’s not all.

These policies not only shield the employer, but they also safeguard his workers. If an electrician falls off a ladder or a carpenter cuts himself, a liability policy will pay his medical bills. Commercial coverage will also cover most attorney fees and court costs if someone files a suit against you.

How Much Do You Need?

As you might expect, the size of the policy often depends on the size of the business. Most actuaries recommend at least one million dollars of professional liability coverage for small businesses. Large businesses and corporations obviously need a lot more and often carry huge policies. Because lawsuits are quite common in the medical profession, malpractice insurance is the most common form of liability coverage.

Most doctors have several million dollars of malpractice coverage at all times. When they work in a large practice, that figure might be five or even ten times as high. Lawyers and accountants must also carry liability because of the high rate of litigation in their fields. But what about everybody else?

Numerous Benefits

Any business that can be held financially responsible for failing to complete a project on time may need to purchase a professional liability policy from their insurance company. This includes general contractors, architects, builders, and many, many more. These policies also cover personal injury, breach of warranty, intellectual property, and security. In short, any company that has more than one employee should have liability coverage.