Workout Programs Help Manage Health Care Costs? YES!

I get a lot of questions from people asking me why someone would want to participate in a conditioning program of any kind. I often ask these individuals to take a step back and try to look at the bigger picture. Once you do that you can see how participating in a workout program can benefit so much more than just your body. It will also benefit your wallet.My hope is that this article will show you how the benefits of a golf performance enhancement program can extend far beyond the golf course.Money Is A Terrific MotivatorMoney is a very strong motivator for most people. As such, I tend to use a financial perspective to motivate people. It is a perspective everyone understands and it works so well. I’ll use that same perspective here.The health care industry in America continues to be a constant source of concern for the 50+ population. With advances in modern science, individuals are now living longer than any other time in history. While this can be seen as a positive, many individuals are worried about outliving their retirement funds (a very legitimate concern), having their standard of living being reduced due to lack of financial support and losing their personal mobility due to age.One of the major issues that this country (USA) has on its hands is how we are going to care for the Baby Boomer population once they begin to get older. The overall financial strain it will put on our national health care and financial systems is projected to be very significant.Strain On The Health Care SystemThere is already a terrible overall strain on the medical system we have. Many of today’s nurses are nearing retirement age. There is a recognized medical staffing crisis on the horizon as a result of this mass retirement.Tomorrow’s health experts are not getting the clinical experience they need during school due to the incredible demand for new nurses, so much of the training is happening on the job. In short, they are not really ready for the hospital floor (this is a general, high level statement).While this is not necessarily bad, it is a nightmare for hospitals, since there seems to be a significant drop in overall productivity and profitability from a veteran nurse to a new, “untrained” nurse. This is not good for their bottom lines.Don’t forget that hospitals, insurance and pharmaceutical companies are for-profit organizations. As such, they are going to do everything in their power to make sure that they make money, and lots of it.Health Care Costs Continue To IncreaseAll of these factors (insurance, hospitals, medical treatments, drugs, etc) continue to increase exponentially in cost due to increased usage and demand for their services. Health care costs are expected to grow because scientists are continually discovering medicines to treat diseases of aging and people are living longer. The elderly population, now 36 million, is expected to reach 70 million by 2030.The positive part of all this is that individuals are beginning to realize that they can control, to some extent, the chance that they will need significant health care in the future. Taking care of yourself now can “save” you millions of dollars in health care costs not today, not tomorrow but many years down the road. Conditions that affect us while we continue to live (diabetes as an example) can be especially expensive, as you can live for decades with diabetes.There are a number of other issues that will affect the future cost of health care. The point is, health care costs are not going to be getting any cheaper. You are by no means guaranteed to avoid all health problems by taking care of yourself, but you will stack the deck in your favor, and minimize your chance of realizing significant health care bills, by being proactive in the maintenance of your health.Conditioning Benefits Will Transcend Improved Physical HealthThe whole idea is to develop a better overall you. The core goal of a conditioning program should be about so much more than just fitness and conditioning. It should be about healthcare cost avoidance, quality of life, reduced pain, treating root causes of pain, etc.I can think of only three investments that have very minimal, if any, risks but can yield huge returns: Education, health and family/personal relationships.Think of taking care of yourself as a long term cost management strategy for your life. You can also look at it as a no-risk investment in yourself that will pay dividends far above and beyond any other investment you can make while also improving your body and energy levels. That is an investment I like to think most people would be willing to make.Still Enjoy The Things You LoveDon’t forget that you can take care of yourself and still eat the foods and do the things you like in life. I workout a lot, but I also drink beer, love hamburgers and steak, eat McDonalds (occasionally) and enjoy Mtn Dew. I just don’t make them a staple of my diet.Hopefully this article has shown you that once you take a step back and look at the bigger, long term picture that you can develop a much more compelling argument for general wellness, which is a natural byproduct of a properly designed fitness program.

Importance of Commercial Mortgage Modification to the Economy

Experts have been predicting that the commercial real estate sector will also experience a crisis that may even be worse than that of the residential housing market. The unabated rise in unemployment and the increasing number of vacancies in commercial properties are indicators of this impending trouble. This is understandable because this kind of situation makes it more difficult for property owners to come up with the mortgage payments, much less the balloon payment that is required at the end of the term. Like in the residential sector, this could result into an avalanche of defaults and foreclosure filings that could further damage the economy. Fortunately, commercial mortgage modification is one of the potential solutions to this problem.For example, the lender may allow a permanent or temporary decrease in interest rate as a way to help the borrower get back on track with the payments. Even a one percent interest reduction can bring down the debt burden by thousands of dollars every month. This kind of commercial mortgage modification could help a lot in giving the property owner some room to recover while waiting for the economy to recover and the vacancies to get filled again.Another strategy that can be used in commercial mortgage modification is to extend the duration or maturity of the loan. This is helpful in postponing the balloon payment or avoiding it altogether and it will also bring down the amount for the monthly payments. Balloon payments are usually required because commercial loans often have short terms but the monthly payments are based on a longer term. To illustrate, the computation for the monthly payments may be based on a term of 20 years but the actual term may only be five years. Thus, there is a substantial amount to be paid at the end of term. Ordinarily, the property owner will either sell the property or find a lender for the refinancing of the amount that is due as balloon payment. However, experts believe that looking for refinancing would be very difficult because of the tight money supply and the drastic decline in property values. For the same reason, finding buyers would also be very hard unless the asking prices are substantially reduced.A commercial mortgage modification may also involve the deferment or postponement of payments. For example, the lender may grant the borrower three to six months of payment moratorium. This will allow the borrower more time to accumulate cash and find tenants for the vacant units.In view of the impending crisis, financial regulators have expressed their support for commercial mortgage modification and urged banks to try to approve more loan workouts. Of course, they have also cautioned banks to continue to use the proper lending standards when evaluating such application work loan workouts and determining the creditworthiness of a borrower. But the regulators know that adjustments to the terms of the loans could help both the lenders and the borrowers and could contribute to the faster recovery of the economy.

How To Find The Right Small Business Coach For You

It can be very tricky knowing who to turn to when you are looking for a respected and trusted coach or mentor. In this article I will help you to decide upon the type of person whom you can work with to Increase your small business success. Here we will go over how to find The Right Small Business Coach For You.WORTH KNOWING FIRSTLY: There are no right or wrong ideas when learning, it is more a fact that you are happy with the money you spend working with an expert. So you can gain a lot from every situation but, in this article it may help you to avoid costly mistakes when finding the best person to work with.How to Find The Right Small Business Coach For You in 2015.Why 2015? Well, when it comes to coaching there are time based principles that will always create more success but, in small business coaching things change all of the time and it is important to find someone who understands what is going on in your market and business niche area.Every day there are changes in the small business world and especially the online business world so there is a strong need for a great online presence in small business, and this is so that people can find you easily and effectively.When you think about it most people are online these days.So, when looking for an effective small business coach it will help you to look for a person who really can work alongside you to master the areas that are most important and knows where you may need to outsource other areas.Here are some hot tips on How to Find The Right Coach For You in 2015.1) FIND A PERSON WITH PROVEN TRACK RECORD
2) FIND A COACH THAT HAS THE RIGHT SKILLS TO KNOW YOU
3) FIND A PERSON WHOM YOU CAN CREATE RAPPORT WITH
4) FIND A PERSON WITH INTEGRITY THAT DOES WHAT THEY SAY
5) FIND A PERSON WHO HAS YOUR INTERESTS FIRST
6) FIND A PERSON WHO CAN GUIDE YOU TO TAKE RISKS / OPPORTUNITIES
7) FIND SOMEONE WHO CAN HOLD YOU ACCOUNTABLE FOR PROGRESS
8) FIND SOMEONE WITH A STRONG BRAND ONLINESimply, you need a person who will help you to reach your most fundamental goals and make 2015 your best year yet. They have to know what’s going on.If you have had some mixed or bad results in the past with coaching, you may have been put off by looking for a small business coach but, don’t be. When it comes to your success, happiness and sales there are great professionals out there ready for you. You can find a great coach to work with as there is someone suited to your style of working.When you are running your own small business and you require an expert to stand by you to help you oversee what your important tasks are, things will change for the better and move you with more momentum, and this is because this is the real key to building a sustainable small business.At the end of the day, you are looking for results and increased productivity because all business that survives is built on sales.A successful small business coach will help you to identify your core skills and passions and also to think of the end customer or consumer. This will create effective strategies and leverage that focuses on the end user which will make your business last throughout the up’s and down’s of a recession.As long as your ethics are built on the customer being NO1 then you are likely to experience a more recession proof business that pays you regardless of the economy.OPTIONS:There is the opportunity to go for a company to help your small business or a personal small business coach and this is down to whatever you prefer. Obviously the personal touch means that you are going to have more of a connection and communication with that person, and this may help you to feel that you are moving faster and getting where you want to be.I hope that you have enjoyed How to Find The Right Coach For You in 2015 and this has given you some great pointers when starting your journey of success.