Grants For Home Improvement

In more than one instance you get warned about free grants for home improvement programs and over and over again told that no such thing exists as free grants.

With extended and thorough research you will find ample grants focusing on home improvement alone. The free part of it applies to low and medium income homeowners. Grants can be obtained and loans at zero-interest. Part of the criteria for these “free” grants or loans is that it is needed for health and safety purposes.

There are various loans and grants available, but in general grants for home improvement covers:

  • Improve and renovate the exterior structure of the house to the building requirements that is currently applicable. This are improvements such as the roof, sidings, better water and sewage systems, doors and windows, extending your house and measures to make your home more easily reached for disabled and handicapped persons.
  • Improvements relating to the interior of the house such as alterations to fix the roof and sidings in events where there is major reason for concern regarding your family unit’s health and security. Grants for home improvements relating to the interior of the house also refers to the electrical and water supply systems.
  • There are specific grants for home improvements available if you are interested in renovating or converting your existing property into low income housing. Programs of this nature are usually offered by the government in order to better the availability of low income housing in designated neighbourhoods. These types of grants for home improvement are known to cover most of the above mentioned exterior and interior improvements. In addition financial assistance is provided by means of mortgage assurance and the subsidising of mortgage payments.

Some of the most generally used types of grants for home improvement are:

  • Deferred Payment Loans – You are provided with a no-interest loan that does not have to be paid back until you sell the house or the property is transferred to a new owner. The maximum amount available for each individual application is $20 000 for the first year and up to $35 000 for each year thereafter.
  • Leveraged Loans – For this type of grant there are some reasonable income eligibility guidelines to meet. As with the Deferred Payment Loans, very similar repairs relating to health and safety qualify for this program. When opting for leveraged loans, you need to provide half of the money needed for cost of the repairs or renovations and loan program will supply the other half. It is also only paid back when you sell the property or it is transferred to a new owner. The maximum to be matched with home improvement program funds is $17 500.
  • Emergency Grant – The focus of this home improvement grant is restricted to health and safety risks that needs immediate attention to low income homeowners. Being a grant, no repayment structure is applicable. The maximum grant award is $1,500.

Role of a Web Development Company in Shaping the Future of Your Business

Every business exists to achieve some goals and realize their objectives. For some, physical presence does the trick while for others, online remains the best place to find prospects. We know the web is growing at a rapid rate and in such a scenario, no enterprise can ignore the digital world and its amazing benefits. However, it takes a quality website to take the business online and put it in the league of industry leaders. The website has to be designed and developed keeping in mind the changing tastes and preferences of users of modern age.

Further, the website will be a link between your business and its prospects as it conveys information and draws attention. Its sole purpose is to help promote products, services and ethos of the business to a bigger and wider market. More importantly, the website your business plans to get created has to be made to cater to the users by enriching, informing and enlightening them at every stage of the way. Quite clearly, the task at hand is not easy particularly when you aim to leverage the ever-growing potential of the web and shape the future of the business.

You will certainly need to find an experienced and skilled company with a proven track record of creating web-enabled solutions such as apps, websites and portals etc. The company has to be familiar with the latest trends and techniques of the web world and have the resources to utilize the acquired knowledge in a true sense. Similarly, it must know about the features and functionalities needed in a website to perform well over the internet. So, it makes sense for you to first search, then analyse the options at hand before choosing the right company for your web project.

In addition, the website in question should be user and search engine-friendly so that accessing information from it remains smooth and easy for users. What’s more, it has to come fitted with simple navigation options and buttons to let visitors reach from one point to another in a hassle-free manner. There must be technical finesse in the site but not at the cost of creating confusion for visitors. Responsive design should be used so that the resultant website can perform consistently across devices and operating systems. The design should be in sync with the changing norms of the web market while mobile-friendliness has to be kept in mind.

More so, high-quality business websites are known to convey information and ideas in an easy manner, so yours one must consider this aspect as well to catch the attention of more prospects on the web. Similarly, the website has to be designed as per SEO standards so that superior visibility remains a matter of fact. In fact, compatibility with web browsers can’t be ignored else the reach and impact of the website might at best be limited. Proper web optimization is something no website can ignore and you should also keep this is mind to gain great results on the visibility front.

In overall, it’s a good decision to take your business online and reap benefits that are multiplying by the minute. For that to happen, you must avail the services and expertise of a top web development company and realize the true potential of the business. You should know the role played by a skilled company in regard to your website’s performance in the digital world, so the hiring must be correct. Only then can you expect the site to reach to more users, take the business essence forward in a desired manner and bring home advantages galore.

Concierge Medicine’s Best Kept Secret, the Price

If there’s one thing we’ve learned in the past several years about concierge medicine through observing this emerging health care market, it’s that people really don’t understand that it’s not about price. We think of these pioneering doctors who carry around a medical bag with a stethoscope inside and who come to the aid of our family and our bedside as visionary physicians who want to normalize their practices and get back to practicing medicine as it was before 1960.

According to data analyzed from nearly 1,000 currently operating concierge practices in the U.S. between 2011 and 2013, we’ve determined the national average annual fee for concierge medical services is between $1,400-$1,700 per patient per year. Large networks of concierge medicine and direct primary care doctors have claimed a significant portion of the concierge doctor market share and thus help to keep prices from inflating too high in major metropolitan markets.I have found that some independent concierge doctors, those not affiliated with the larger franchise consulting companies, who are not part of a large group may charge higher rates, $2,500 and up.

If more people are exposed to the cost value of concierge medical care, it will make a big difference in what they spend. A recent story ina widely popular national newspaper supports this belief. The paper reports that the State of Indiana has a high-deductible plan and another that’s a traditional HMO. People in the high-deductible plan spend thousands less than those in the HMO.

‘The average expense in 2009 for patients in one of these [high-deductible] plans was $6,393,’ the paper writes, ‘compared with $8,570 for patients enrolled in a more traditional health maintenance organization plan.’

It’s also a fact that nearly 60% of concierge medical programs across the U.S. cost an individual less than $135 per month. Some programs cost as little as $10 per month for children. Patients typically receive unlimited access to the doctor at their home, work or the doctor’s office along with unlimited technology visits, such as cell phone, web cam, email and texting. Furthermore, many concierge and direct primary care doctors offer access to wholesale pricing on prescriptions, lab tests, imaging services and medical supplies for pennies on the dollar.

Average Combined Annual Household Income of a Concierge Medicine or Direct Primary Care Patient Is:

  • 34% – earn less than $100,000 each year
  • 39% – earn between $100k-200k per year
  • 14% – earn between $200k-$300k per year
  • 5% – earn between $300k-$400k per year
  • 3% – earn between $400k-$500k per year
  • 2% – earn between $500k-$600k per year
  • 1% – earn between $600k-$700k per year
  • 2% – earn between $700k and above per year

In 2010, I submitted this data to a prominent financial publication and told them that ‘Utilizing a blended rate based upon national averages for current fees charged for concierge medical care, an estimated 9,285,714,286 people could be provided concierge medical care with the 13 trillion dollar debt. Carrying this out 928,571,429 people could be provided this care for 10 years. These figures are based upon information obtained through average pricing surveys conducted from 2009-2010.’

Here’s the upshot: When you combine high-deductible health plan policies with a concierge medical program, you empower people and families to make better decisions about their health care, they in turn receive more comprehensive medical care and then the savings happen and stronger relationships occur between the physician and their patients. One concierge physician said it best when she said that her patients can say ‘I no longer have a doctor who needs to look at my chart to know my name.’

The Difference Between a Casio Baby-G and a Casio G Shock Watch

Are you looking for the perfect watch that can stand up to your tough lifestyle? There are two that come to mind: the Casio Baby-G and the Casio G shock. These two watches are remarkably similar. They are both tough and durable. They can withstand large falls and impacts that other watches would crumble under. They can both be used in water, and they both have sleek designs that set them apart from other watches.

Their similarities make sense, though. After all, the Baby-G is just a smaller version of the G shock. Despite their similarities, however, there are a few unique differences you should consider before you decide to make a purchase.

Analyzing the Differences

  • Men vs. Women – One of the biggest differences between these two watches is that the G shock is made for men, and the Baby-G is made for women. The sizes of the straps and the watch’s face are different because of this. The Baby-G’s face is generally about the same in length, but it is usually not as deep as the men’s version of the watch.
  • Water Resistance – A G shock watch is generally (although not always) water resistant for up to 200 meters. While some Baby-G’s are as well, many are only resistant for up to 100 meters. Unless your favourite activity is snorkelling or deep sea diving, however, this should not be a problem.
  • Colour – The men’s version of this watch generally comes in very few colours, like black, red, silver, gray, and white. The women’s version, however, is much more colourful. You can find these watches in red, pink, green, white, purple, black, blue, and silver. This allows women to pick and choose different and vibrant colours to match any outfit they put on.

What do These Watches Have in Common?

Aside from their sleek look and unmatchable durability, these two watch styles have several features in common, including:

  • Temperature resistance – Some of the watches can withstand temperatures as low as -20 degrees Celsius.
  • Electro-luminescent backlight – The backlight on these two types of watches allows you to enjoy them anytime- no matter what time of day it is.
  • Auto-Calendar – These Casio watches are programmed so you will not only know the time, but the date as well. While the number of years the auto-calendar is programmed until will vary, depending on the exact version you purchase, some are programmed all the way until 2099.
  • Long Battery Life – The Casio G shock and Baby-G both come with long-lasting batteries. You can use these watches for up to two years before you need to replace them.
  • Stopwatch – Are you in training or simply trying to lose weight? These watches can help with one hour countdown timers, complete with an auto-repeat option, and a one hour stopwatch.

Whether you are a man or a woman, you are going to enjoy all of the unique features available to you from Casio’s line of G shock watches. If you are a woman, you can enjoy the traditional G shock gives a masculine flair and has all the bells and whistles you need, and if you are a woman, you can enjoy all the same great features, but with a more feminine and colourful accessory.