13 Ekim 2012 Cumartesi

Home Improvement Grants 2012-Free Government Grants For Home Repair

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Home Improvement Grants 2012-Free Government Grants For Home RepairFew homeowners have any solid plans for dealing with the diminished value of their investments. Subject to normal wear and tear, the elements and the cyclic rise and fall of the real estate market, many homes are now worth far less than their buyers have agreed to pay for them. Home improvement grants 2012 make it possible for people to invest in the maintenance and repairs that will significantly offset these losses and enhance the value of their properties. Learning how to apply for grants in order to have the best chance at obtaining them, is vital for the long-term maintenance of your home and its bottom line value.Get In Line FirstGrants are always limited offers as these are simply very specific amounts of money that are allocated for very specific purposes by companies, private parties, membership organizations and government agencies. Once these monies run out, the opportunity to cash in is lost. Thus, the earlier that you get started in the search and selection process, the better.Think Outside Of The BoxIt is vital to consider all angles when researching and writing for grants of any kind. Some grants have a lot less competition simply because fewer people know of them. These might be smaller sums of money that are offered by organizations or companies that have a vested interest in seeing improvements in certain geographic areas. Thriving cities do not spring up overnight and researching unique grant opportunities could help you to capitalize on the improvement efforts of the newest corporations that are moving into your area.Getting Started With The Application ProcessYou can first equip yourself for the task by enrolling in a class for home improvement grant writing at a local adult school or community college. These are usually short-term courses and require only a very minimum investment of time, while producing a number of very impressive benefits. Students are taught how to organize their ideas and arguments in order to construct persuasive requests. They also learn how to avoid all of the common grant writing mistakes.Because the competition is so fierce for many types of grant-based funding, incomplete or factually inaccurate requests are often automatically denied. The same is true of late applications. Thus, get started early and make certain certain to always supply a comprehensive and correct application packet.









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Source - http://www.money.si/home-improvement-grants-2012.php
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Federal Home Improvement Grants For Low Income Families-Free Grants Apply

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Federal Home Improvement Grants For Low Income Families-Free Grants ApplyThere are federal grants available to fund home improvement projects for qualified individuals. These grants will cover repair and renovation costs of qualified homes and housing units across the United States. Grant recipients must meet the criteria set by the grant program. Typically, grants are not required to be repaid; however, the money can be recouped from any grantee who does not honor the terms of the agreement.Housing Preservation Grant (HPG) ProgramSponsored by the Department of Agriculture, the Housing Preservation Grant (HPG) program offers grants to cover the costs of repairing and rehabilitating the homes and housing units of very-low and low-income residents. Grant funds are available to homeowners, landlords, co-op members and rental property owners who provide housing to low-income families. Eligible applicants include state, local, and tribal governments and nonprofit organizations. Grant recipients have two years in which to use the funds. Farm Labor Housing Loans and GrantsThe Farm Labor Housing Loans and Grants program, also sponsored by the Department of Agriculture, provides farm owners with financial help to construct, repair and renovate housing units and service-related facilities for their farm laborers. This grant program provides funds to improve housing for seasonal and year-long farm workers and to construct facilities such as dining areas, laundromats, small infirmaries and daycare centers. To qualify, farm workers occupying the housing units must be permanent U.S. residents and must earn a substantial amount of their income from farming. Eligible applications for this grant include state, local and tribal organizations, nonprofit corporations of farm workers, and public and private nonprofit organizations. Grant recipients have to match at least 10 percent of the financial award amount.The Very Low-Income Housing Repair ProgramA third program funded by the Agriculture Department, the Very Low-Income Housing Repair Program, provides rural communities with financial grants to improve homes. Funds must be used to repair, improve and modernize homes or remove safety and health hazards. Grants of $7,500 are available to low-income residents of communities with less than 20,000 residents. Funds are provided only to residents 62 years of age or older who have demonstrated that they cannot afford to repay a loan. The home must not be sold within three years of receiving the grant or the money can be recouped by the grant program.









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Source - http://www.ehow.com/list_6387975_federal-income-home-improvement-grants.html
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Oklahoma Housing Grants-Free Home Repair Grants Oklahoma

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Oklahoma Housing Grants-Free Home Repair Grants OklahomaPotential home owners or developers in Oklahoma have several financing options. Grants are available to homeowners who need help with down payments and closing costs. Grants are also available to help owners, developers and builders pay for repairs and the rebuilding of residential structures. Does this Spark an idea?1st Gold1st Gold is a home grant program available to all Oklahoma residents. It provides assistance with down payments and closing costs. Based on census data, the state has designated Targeted and Non-Targeted areas that determine resident eligibility. People living in Non-Targeted areas must be first-time home buyers in order to qualify for the 1st Gold grant. Residents in Targeted areas don't have to meet that requirement.Only certain mortgage lenders in Oklahoma participate in the 1st Gold grant program. Interested residents must still meet credit and income requirements for a particular lender. Eligibility for the 1st Gold grant doesn't guarantee procurement of a mortgage.Oklahoma Housing Finance Agency100 N. W. 63rd St.Suite 200Oklahoma City, OK 73116Repair and Rehabilitation GrantsThe U.S. Department of Agriculture makes grants available for Oklahoma residents who are at least 62 years old and cannot repay a Repair and Rehabilitation Loan.To qualify, the homeowner's income must be 50 percent or less of average income for the area. The grant can only be used to make repairs deemed necessary for health or safety reasons, or so that disabled members of the household can access the home.The grant amount is limited to $7,500 over the lifetime of the grantee.If the applicant is deemed able to repay a portion of the funds, a combination loan/grant may be offered, with the loan interest rate not exceeding one percent.Farm Labor Housing Loan and Grant ProgramThis program, also offered through the U.S.D.A., aims to help build and maintain housing for farm workers. Individuals, corporations and associations can apply. The money must be used to purchase, build or repair facilities for use as residential homes, day care or community centers specifically for people employed in agriculture and aquaculture. Furnishings can also be purchased with grant funds.Grants are awarded for up to 90 percent of the proposed costs.Housing Preservation GrantsYet another U.S.D.A.-sponsored program is the Housing Preservation Grant. This grant is offered to organizations intent on rebuilding or fixing housing occupied by people deemed to be in the low- or very-low income brackets. Grants can be used for co-ops, single-family and rental properties in towns with populations of 20,000 or less.









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Source - http://www.ehow.com/list_6676461_oklahoma-housing-grants.html
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Los Angeles's Wealthiest Man. Dr. Patrick Soon-Shiong, Announced ACO to Partner With Blue Shield and St. Johns Health Center Using Technology and Genomic Research - Gene Screens

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Dr. Patrick Soon-Shiong chairman of NantHealth and Blue imageShield will work with Saint John's Health Center in Santa Monica, Calif., to establish the first clinically-based "continuous learning center” to establish Accountable care organization and will work with Blue Shield to establish the Access Medical Group.  Genomic data is a big part of the plan to provide doctors with a full view of the patient’s care to look for interventions before problems occur.  This will entail monitoring patients in their homes or where ever they may happen to be. 

NantHealth has a system of secure cloud based information sharing that will bring genomic information analytics of cancer into the physicians computers in 47 seconds, gene screens.  Soon-Shiong  became wealthy due to the sale of two pharmaceutical companies he founded and are now traded on the stock market.  Like all the other programs out there this will be interesting to see how it works and it certainly can’t hurt by all means if it means saving lives to ensure patient get the right treatments.  One MD in San Francisco somewhat wondered how this will work as he said they have a hard time dealing with all the information they have now and they can have genomic studies back in a week so the time element, if all the data flows in a usable format in 47 seconds should be interesting.  Remember the GlowCaps prescription pill bottle that has wireless capabilities to remind you to take your meds and reports it back to the drug stores?  Well he bought that company too so will this new ACO involved the GlowCaps too with monitoring?

 



The Pill Bottle That Talks To Your Cell Phone, Creates Data Reports and More…


Yes and then all that data gets sold for profit.  We shall see how the design comes across because yes there is a gap between science and practicing medicine, some where there’s been little innovation in some areas and then the other extreme with technology to where patients get overloaded with alerts on phones, land line phones, software apps…you name it so a good design that people can live with and not end up being disrupted would be interesting to see, and seeing some developers use their own products on the consumer side, as that always gets me is that they tell you how good it is for you but then they don’t eat their own dog food:)  BD




Now that healthcare has been overhauled, it's time to give medical care a major reboot, according to Los Angeles's wealthiest man. Dr. Patrick Soon-Shiong, a physician-entrepreneur and chairman of theimage California company NantHealth, unveiled a pilot program that he says will do just that, transforming the way medicine is practiced and medical care is delivered across the nation. 

Among the collaborative effort's key goals: to make deadly cancers a condition that patients can survive and manage for years after diagnosis.

Soon-Shiong on Wednesday outlined his testbed for a new model of medical care: a system that lashes together genomic processing, supercomputing, high-speed data networks and the same mobile devices that people use to make dinner reservations. All of this technology will put the best information available in the hands of doctors instantly, he said at a Washington, D.C., conference put on by the Bipartisan Policy Center and a nonprofit called Doctors Helping Doctors.

The new project is designed to remedy a mismatch between technology and medical science on the one hand and medical practice on the other.

http://www.latimes.com/health/boostershots/la-heb-medical-records-california-consortium-20121003,0,798800.story


Quest Diagnostics Restructuring and Will Cut 400 to 600 Jobs by End of 2013

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Here’s some additional job losses and I swear we may be up for a short while and then more cuts come along.  This is a small cut over all when you figure they have over 40,000 employees but nobody wants imageto lose a job for sure and Quest has automated a lot of their work flows and the article states these are mostly in a layer of management they will be eliminating.  Where does Quest get most of their revenue, diagnostic information.  They also just hired someone from Pfizer to lead up their commercial business area.  The two individuals in charge of the health information unit will leave by the end of this year as well as the departments heads from HR and their insurance division so it kind of looks like these are the department that will largely fall under their reconstruction efforts.  BD



MADISON, N.J. (AP) — Medical laboratory operator Quest Diagnostics Inc. said Thursday it will cut 400 to 600 management positions and reorganize its business.

Quest will eliminate three layers of management and reorganize into two business units, diagnostic information services and diagnostic solutions.

It expects to save $65 million a year from the changes. The company has around 42,000 employees. Quest expects to take $15 million to $20 million in charges associated with the restructuring and job cuts.

http://www.businessweek.com/ap/2012-10-11/quest-diagnostics-cutting-400-to-600-jobs


12 Ekim 2012 Cuma

First Time Home Buyer Grants-Free Home Buying Grant Money

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Free Money For First Time Home Buyers-Free Grant Money For Home

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Free Money For First Time Home Buyers-Free Grant Money For HomeFirst time home buyers may be eligible to receive free grant money to help them finance the purchase of their new home. These government sponsored programs are available to help people buy their first home in order to kick the housing market back in to gear.Right now the economy is suffering because there is far too many homes for sale on the market. Banks are now owning too much foreclosed real estate, and home builders can't give their workers jobs because sales are down. This has a dramatic effect on the economy, which is one of the reasons the government provides this money to help incentive people in to buying a new home.First time home buyer grants are available in many different forms, and they can be obtained through your local and state government. Some provide the buyer with down payment money, others will cover your closing costs, and some government grants for first time home buyers will reduce your mortgage rate to rock bottom rates.The money is certainly available, but it is just a matter of finding it. Some cities make it incredibly easy to find and apply for these programs, but unfortunately most communities are behind the times when it comes to providing convenience. But when you access the grant database, you'll have instant access to all the available grants. In addition to the new home owner grants, you may also find several other programs that you can qualify for. With this resource, you can get paid to buy your new home.





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Home Improvement Grants-Home Renovation Grants 2012

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Los Angeles's Wealthiest Man. Dr. Patrick Soon-Shiong, Announced ACO to Partner With Blue Shield and St. Johns Health Center Using Technology and Genomic Research - Gene Screens

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Dr. Patrick Soon-Shiong chairman of NantHealth and Blue imageShield will work with Saint John's Health Center in Santa Monica, Calif., to establish the first clinically-based "continuous learning center” to establish Accountable care organization and will work with Blue Shield to establish the Access Medical Group.  Genomic data is a big part of the plan to provide doctors with a full view of the patient’s care to look for interventions before problems occur.  This will entail monitoring patients in their homes or where ever they may happen to be. 

NantHealth has a system of secure cloud based information sharing that will bring genomic information analytics of cancer into the physicians computers in 47 seconds, gene screens.  Soon-Shiong  became wealthy due to the sale of two pharmaceutical companies he founded and are now traded on the stock market.  Like all the other programs out there this will be interesting to see how it works and it certainly can’t hurt by all means if it means saving lives to ensure patient get the right treatments.  One MD in San Francisco somewhat wondered how this will work as he said they have a hard time dealing with all the information they have now and they can have genomic studies back in a week so the time element, if all the data flows in a usable format in 47 seconds should be interesting.  Remember the GlowCaps prescription pill bottle that has wireless capabilities to remind you to take your meds and reports it back to the drug stores?  Well he bought that company too so will this new ACO involved the GlowCaps too with monitoring?

 



The Pill Bottle That Talks To Your Cell Phone, Creates Data Reports and More…


Yes and then all that data gets sold for profit.  We shall see how the design comes across because yes there is a gap between science and practicing medicine, some where there’s been little innovation in some areas and then the other extreme with technology to where patients get overloaded with alerts on phones, land line phones, software apps…you name it so a good design that people can live with and not end up being disrupted would be interesting to see, and seeing some developers use their own products on the consumer side, as that always gets me is that they tell you how good it is for you but then they don’t eat their own dog food:)  BD




Now that healthcare has been overhauled, it's time to give medical care a major reboot, according to Los Angeles's wealthiest man. Dr. Patrick Soon-Shiong, a physician-entrepreneur and chairman of theimage California company NantHealth, unveiled a pilot program that he says will do just that, transforming the way medicine is practiced and medical care is delivered across the nation. 

Among the collaborative effort's key goals: to make deadly cancers a condition that patients can survive and manage for years after diagnosis.

Soon-Shiong on Wednesday outlined his testbed for a new model of medical care: a system that lashes together genomic processing, supercomputing, high-speed data networks and the same mobile devices that people use to make dinner reservations. All of this technology will put the best information available in the hands of doctors instantly, he said at a Washington, D.C., conference put on by the Bipartisan Policy Center and a nonprofit called Doctors Helping Doctors.

The new project is designed to remedy a mismatch between technology and medical science on the one hand and medical practice on the other.

http://www.latimes.com/health/boostershots/la-heb-medical-records-california-consortium-20121003,0,798800.story


Walmart Becomes the Next Employer to Negotiate Surgical Procedures Direct With Major Medical Centers, Just Need More Employees Covered

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A while back Lowes was one of the first to negotiate with the imageCleveland Clinic followed by Pepsico and now we have Walmart. If you have read the news of late Walmart employees are striking for better healthcare benefits, even though they are not union, but making a statement.


Johns Hopkins and PepsiCo Sign a Contract To Allow Employees and Their Dependents To Have Certain Surgical Procedures Performed At the Medical Center in Maryland


Employees must be healthy enough to travel but as this reads there’s no out of pocket expenditures for them to pay.  This agreement covers some additional items that were not mentioned in the Lowes or Pepsico agreements; however it’s been over a year and perhaps their agreements have expanded.  Transplant surgeries will all be performed at the Mayo Clinic.  The full press release can be read here.  Now all Walmart needs is more employees covered as many are part time and do not work enough hours to qualify for health insurance coverage.  Not all but some part time employees qualify for health insurance and that’s still the big problem is getting more covered.  BD




Walmart employees will now be able to get heart, spine and transplant surgeries at six of the nation's most prestigious hospitals at no cost, the world's largest retailer announced Thursday.

Under what Walmart calls the "Centers of Excellence" program, employees and dependents enrolled in the company's health benefits won't pay out-of-pocket for medical care or related travel when they receive complex, expensive procedures including open-heart surgery, spinal fusion and organ transplants at select facilities. The Mayo Clinic in Rochester, Minn., the Cleveland Clinic in Ohio and the Geisinger Medical Center in Danville, Pa., are among the health systems participating in the program.

Walmart employees who undergo surgery at one of the six selected medical centers will save between $5,000 and $12,000 because they'll be exempt from health insurance deductibles and cost-sharing payments, Walmart spokesman Randy Hargrove said. Workers will gain access to the new benefit at the beginning of 2013.

http://www.huffingtonpost.com/2012/10/11/walmart-surgery-workers_n_1958673.html?ncid=edlinkusaolp00000003&ir=Money


11 Ekim 2012 Perşembe

Man Dies After Eating Cockroaches During a Contest at a Pet Store to Win a Python

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This is sad but other participants did not get sick.  You could not pay me enough to eat roaches.  There’s women in the video eating them too.  A python snake is also something I would not get excitedimage about either to win, but shortly after the contest ended he started feeling sick and I might add there were worms in the mix to eat at well.  After this I can bet it might be a while before such a contest is entertained again.  He was pronounced dead at the arrival to the hospital.  Midnight Madness sale was the come on to get customers in to participate.  It will be interesting to hear what the cause of death was and if the bug and worms were part of it.  BD 


The competition was organized by the Ben Siegel Reptiles store, and the winner was to get a python.

Now, Broward Sheriff’s Office detectives are investigating the death.

The victim was identified as Edward Archbold.

Minutes after Friday night’s contest, according to a BSO spokeswoman, Archbold started feeling ill. He started regurgitating and later collapsed shortly after exiting the store.

http://gossipextra.com/2012/10/08/man-eat-cockroaches-dies-1896/