Top Countries For Health Care

While many Americans believe we are in one of the top countries for health care, the truth is we are not. While the United States’ healthcare is the second-most costly in the entire world, we rank a distant 37th in quality! While it may not shock you to learn that America is not the top country where health care is concerned, the fact that we are not even in the top 10 should certainly give you reason for pause.According to the World Health Organization (WHO), France leads the world in quality health care. France is followed by Italy, Spain, and Oman, with Austria and Japan rounding-out the top 10. It must be noted that these “rankings” by the World Health Organization are actually some 10 years old now; this study was done in 2000, based on information compiled in 1997-1999. The World Health Organization no longer produces such studies due to the work involved, though it releases a new world health report every year.Just to put things in perspective, the data, which the World Health Organization used to compile this ranking order, was most likely formatted on computers running Windows 98 – maybe even Windows 95! MP3 players were still relatively new and the entertainment industries were in an uproar over an upstart site called Napster. Bill Clinton was still in office as President. In many ways, 1998-2000 seems longer than 10 years ago.In the last nine years, technology has advanced greatly, both in and outside of the medical field. As we all know, the United States is unquestionably a leader in technology. However, it does not necessarily follow that, because we are a world leader in technology, we are also a leader in health care – just as it does not follow that because we spend more on health care than almost any other country, we are a leader in the quality of that care. These statistics can be confusing, as the amount of money spent also reflects the fact that medical care in the United States is the most expensive in the world. Still, WHO found that access to healthcare in the United States has actually declined in the intervening years, meaning that, if anything, our ranking has probably slipped!But it isn’t all doom and gloom: worldwide, health care has improved and improved the lives of millions. Fewer children (ages five and under) are dying, and Malaria rates have gone down. More people today have access to clean drinking water, which helps cut-down on disease and parasitic infestation, as well. All told, the worldwide health care outlook is very good, and much of this has to do with technological advancements made in the last decade.The top five countries for health care are (in order) France, Italy, San Marino, Andorra, and Malta. The United States is a distant 37th, despite the fact that it spends more than any other country (save one) on health care. While technological advancements have continued at a staggering rate and improved health care globally, the World Health Organization (WHO) found that access to medical care has actually declined in America since this report was made! Like all statistics, the results can be misleading without further information, and the information presented in this article is actually some 10 years old now, however it is the only information available to us, as WHO quit ranking countries for their health care due to the amount of resources it requires.

Posted in health care | Tagged , , , , , , , , , , , , , , , , , , , , , , , , , , , , , , | Comments Off

Avoid Online Business Loan and Business Cash Advance Applications

Commercial borrowers should avoid submittals of application forms for commercial loans until after specific lender interactions. Business owners should especially avoid online applications for business cash advances and business loans, and this commercial funding article will describe how and why to avoid the online application trap involving commercial loans.Business owners and commercial borrowers will consistently find an almost limitless supply of internet sites for commercial loans. Most business cash advance websites will include some version of an online application. Here is a four-step process for avoiding the unwise use of applications for business loans.The first step is to avoid the initial temptation to submit a commercial loan application online. It does appear to be convenient for a borrower to apply for business financing online. Perhaps some borrowers are attracted to the anonymous nature of the online business finance application because they have been previously annoyed by sales tactics and evasive answers in loan discussions.Many commercial lenders have contributed to the pervasiveness of online applications in large part because they are fearful of losing some competitive advantage by not having this capability. However in attempting to match their competition, business lenders and brokers are sacrificing the best interests of their commercial borrower clients by facilitating the online application approach for commercial loans.The second step is to understand why it is essential to avoid an online application. Applying for commercial loans via a website is similar to submitting a resume without previous research or discussions when seeking employment. What makes an online business loan application even more risky and inadvisable than the anonymous resume example is the usual inclusion of tax identification numbers and other sensitive financial data on a commercial funding application document.Online applications have several critical problems. First, there are always potential security breaches during transmission (as well as before and after transmission). Second, there is a significant loss of control by the commercial borrower in the use of their social security number or tax identification number for checking credit (since many online application processes will result in checking credit before any personal conversations occur). Third, most commercial loans are simply too complex to initiate by an oversimplified automated process. Beginning the business cash advance or commercial mortgage process with automated applications is similar to skipping pre-game warmups and coaching pep talks prior to kickoff in a football game. The easiest approach overlooks too many essential preliminary steps.A suggested third step is using an alternative and improved approach to the online business loan process. The simple and pragmatic solution to the online application dilemma is to insist on preliminary personal discussions with an experienced advisor before submitting any form of commercial finance application. A suitable and ethical commercial lender will not ask a commercial borrower to submit any application until the borrower has completed a thorough discussion with the lender confirming that financing is appropriate for a specific financial situation.Of course it should be anticipated that some commercial lenders and brokers will attempt to minimize the potential problems associated with an online financing application. In such situations, borrowers should search for a commercial loan advisor who routinely emphasizes an individualized and conversational approach to commercial funding.The fourth step is to explore additional resources that will facilitate a better understanding of complex finance issues. The Commercial Real Estate Loans Guide and The Working Capital Management Guide are two examples of financing resources that will provide strategies for many problematic circumstances dealing with small business cash management.

Posted in Finance | Tagged , , , , , , , , , | Comments Off

Are You Killing Your Small Business?

What you do and do not do on a daily basis has a long term compounding impact on your Small Business success. Depending on the approach you take and the level of self-sabotaging you engage in will have real effects on the outcome of your business, including whether or not you are actively killing your Small Business.What does killing your Small Business mean?Killing your Small Business means that you may be making decisions that are sabotaging your business success and unwittingly committing to a course of action that will eventually see you fail.
It is about the self-sabotaging behaviours that people employ on a conscious and subconscious level to stop themselves from being successful, to slow things down or to completely undermine their goals.
It is a bad habit that can cost you your Small Business;
It is a bad habit of ego-centric, failure enduring decisions etc that do not serve your highest purpose;
It is allowing fears to drive your Small Business direction and kill it from the inside out. Often this is a slow and painful death – one small decision, action or inaction compounding over time.
What does killing your Small Business look like?Imagine that you decide to put on an event to show off your services and bring in more clients/customers, more money and build your business. As a result of this decision, you go about setting up the event, sorting out the details, thinking about the costs and considering what profit you will make. You’re excited and ready to go, but, then something strange happens and you lack the motivation to do the basics well to get the message out there to your niche audience. You find yourself unwilling to step out of your comfort zone and be vulnerable.
Worries begin to fester about your ability to pull the event off;
You worry that people will see you as an imposter;
Fear takes root and all your decisions and actions are now run through this internal filter;
You think about giving up;
You think about retreating because it all seems to hard to get off the ground;
You may even worry that you will have too many people show up for the event and what will you do then?
Fear burrows deeper in your gut and whispers, “Who do you think you are? You know you can’t handle it, you’re not ready, you need more time. You’re a fake, fraud and you’re not going to cope if they all come.”Subconsciously you sabotage your every effort to grow your business through inactions and not following through. You now live in Excuse Central! You feel overwhelmed and the last thing you want to do is take action.You may be asking, what person in their right mind would be doing this! It’s insane and it doesn’t make sense.But from an emotional safety perspective it makes perfect sense to the Small Business Owner who fears too much success too soon. They may fear not being able to handle the abundance and prosperity that could flow from their awesome idea.I never said it was rational.Internally their subconscious seeks to keep them safe through avoiding situations that have the potential to be successful.Say hello to procrastination!This kind of self-sabotaging behaviour may not even be something that they can see themselves, however, anyone around them who is trying to help them get off the ground and grow their business can see it. Bystanders are often fraught with frustration as they watch you abort your best efforts.If a bystander tries to intervene when the Small Business Owner is not ready to receive their message of how to help, it can lead disagreements, resentment, anger and parting of ways.Fear and an out if balance ego that feels threatened are insidious weeds that, if left unchecked, can become an out of control jungle of compounding self-sabotage behaviours that have a flow-on effect, resulting in you actively killing your own Small Business.Where to from here?If you have begun to see yourself in this scenario, that is a good thing to acknowledge. Admitting that you have a fear that holds you back is an empowering step forward. It is an opportunity for you to explore what is really going on inside you.
Check in with yourself to see if your ego has flared up in response to help and give humility a go, you may just end up being more successful than you thought and experience greater support from like-minded people;
Reflect on what you are doing or choosing not to do. Ask yourself the hard questions to get to the deep reason as to why you do not want to be successful right now;
Consider what might be holding you back from success and nip fears in the bud because honestly, having too many people want to attend your event and know about your Small Business is a good problem to have!
Daily reflection on your thoughts, behaviour and resistance will help you to avoid killing your own Small Business.

Posted in Uncategorized | Tagged , , , , , , , , , | Comments Off