Recreational Companionship in a Marriage Can Be Very Important to Him

Remember when you were dating your partner whom you are married to now? Remember all the things you used to do together? Do you do those things now or have your worlds grown apart over the years? You may find that you do things together, but they are different things than when you first met and dated.

According to the book, “His Needs Her Needs” by Willard F. Harley, Jr., recreational companionship is a vital emotional need for most men and could be for women also in a relationship. He goes on to say that he has counseled many couples who relate in their most honest moments that (for men especially) having their spouse as a playmate is highly important to them. Dr. Harley states that women will often participate in sporting events and outings with their spouse when dating, but often try to interest him in their activities after marriage. Importantly enough he claims that “spending recreational time with his wife is second only to sex for the typical husband.”

It appears that when we first start dating we participate in all sorts of outings with our potential spouse because we want to be with them all the time. Then it appears that down the road we find we no longer participate in those outings together. Our spouse may still enjoy those same interests, but often he may find others to meet the need of companionship for that event or give up the sport altogether without your participation.

Some of the typical recreational events a man enjoys are sporting events such as football, baseball, boxing, hunting, fishing, racing and water sports. Women tend to lean toward cultural events such as movies, shopping, dinner and dancing as their typical recreational choices. Knowing how important your participation is in your spouse’s recreational events can assist you in meeting their needs as a partner. A balance of time between the two types of recreational events would be optimum companionship for any relationship.

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Payday Loan Lender: Limit Your Use To Make Payments More Affordable

Applying for payday loans to help with budget failures can often lead to overuse. It is never good practice for a borrower to owe money to several payday loan lenders all at the same time. Between the finance charges and the balances due for each of the loans, your next few paychecks will carry a heavy burden.

Credit challenged applicants need to understand that there is a clear difference between owing money to creditors and short-term lenders. A direct lender is not in the revolving account business and unless you deal with a lender who processes installment payday loans, your payment is expected in full including fees by the time you get your next paycheck. With every other household bill and payments to every creditor how much money will you have left? Too often credit challenged folks turn to the short-term loan lenders for food and gas money or to recoup from paying another safe payday loan off. This is a tough cycle to get out of. You have to make on-time payments, so how do you ever get out from under the carpet of debt? One thing for certain is that you cannot get out of debt while still making debt. You have to take a stand against using any more credit cards or fast cash loans to make ends meet.

Minimum payments will not get rid of debt any time soon. All it will do is continue to drain your bank account while you dish out finance charges with every payment. It is important to focus on the one loan that costs the most and knock it out of your budget portfolio. It makes the most sense to get rid of high interest rate debt first. This will often point to paying payday loan lenders in storefronts or online first. You may have creditors that charge similar or possibly higher rates, but the short terms on a payday loan make finance charges happen more often. Minimum payments break the bank one small payment at a time. You can’t blame financial woes only on the debt.

Creditors will send you a bank statement. Do you open it or place it on the desk to take care of another day? Do you answer the calls from a direct lender? Chances are that they may call you to remind you of your upcoming due date. Unless you have not paid the bill, you don’t have anything to avoid. If you have missed the due date or your payment was returned insufficient funds, it is good to accept their call or read any communications they send. It is always best to make arrangements with the company directly. The last thing you want is debt in default. There will come a point that a borrower’s debt will get sold off to collections. You know those companies that call and send countless emails and letters trying to collect on your debt. Collections agencies are no fun to deal with never mind the damage default debt will do to your credit report. When you get a call from your creditor or direct payday loan lender accept it and work something out. It is much better for you in the long run.

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Could You Be Setting Your Business Plan Up For Failure?

David E. Gumpert, author of Burn Your Business Plan, often tells the story about how he and his partner failed to raise money after sending their business plan around to venture capitalists and meeting with several others to make presentations. Disappointed by the fruits of their labor, they considered giving up on their venture in 1995. Fortunately, on the advice of their board of advisors, they chose to divert their time from massaging the business plan to making sales. The financing, they were told, would come later.

Turns out, they sold enough to stay afloat through 1996. In 1997, sales failed to grow as quickly as they expected, so they decided to seek financing again. This time, they expected positive results would be easier to obtain, after all they were fairly well established now. The board, however, told them to get out there and promote their business and make more sales.

If At First You Don’t Succeed…

Gumpert and his partner instead decided to dust off their old business plan, spend many hours rewriting and updating the plan, and to set out once again to seek financing. And, once again they were turned down. How could this be? In the late 90’s, it seemed like every new Internet-related venture in the world was obtaining financing. In fact, according to the MoneyTree Survey, sponsored by Price Waterhouse Coopers, Venture Economics, and the National Venture Capital Association, the amount of venture capital – $7.7 billion in 1995 — had grown to $16.4 billion by 1997.

Nonetheless, the failed financing left Gumpert and his partner with two stark choices at this stage: Find ways to grow the business without financing or call it quits. They took the first choice. They also engaged public-relations professionals, and succeeded in getting several of their most successful corporate clients written up in business and industry trade publications – with their agency mentioned as the key force behind their clients’ success. This publicity got the agency’s phones ringing with new prospects, several of which converted into additional sales.

As the business grew, they remained on guard about monitoring their expenses and aggressively collecting receivables. By 1999, they were operating profitably at $2 million in annual revenues, with nearly 20 employees. Also, the amount of venture capital being invested nationally had soared to an astounding $55.5 billion. But, Gumpert and his partner paid little attention to this; their interest in outside financing had dropped significantly. (By 2000, Venture capital availability peaked at $85.5 billion.)

The Power Of Publicity

As Gumpert and his partner carried their success into 1998 and 1999, their promotional efforts eventually attracted the attention of a publicly held company that was seeking the expertise they offered in developing and managing online content. In December 1999 this company acquired Gumpert’s company, NetMarquee. To Gumpert’s surprise, the acquirer never asked to see their business plan; it only wanted to see their financial projections under several different scenarios.

In recounting his financing experience, Gumpert makes two points: First, even during good times, the venture capital route is closed to the vast majority of businesses that seek it out. While it might have seemed back then that nearly every business that asked was receiving venture capital, the reality is most carefully crafted business plans are rejected out of hand by venture capitalists. Second, you’ll be surprised what you can accomplish without the financing you think you so desperately need to stave off failure.

The truth is that it’s unlikely a business plan by itself will bring funding in the door, unless it is part of an overall marketing strategy.

Four Tools To Help Market Your Business Plan To Investors

The famous motivational speaker Jim Rohn says there are three steps to successful communications: “Have something good to say, say it well, and say it often.” These three steps form the foundation of the Business Plan Secrets Revealed manual. They are essential to marketing your business plan with the intent of attracting investors and selling your business plan to them. Here are four tools to help you “say it often” so you can attract investors and sell your business plan to them.

One, a concise, well written twenty-five page business memorandum or “business plan” that builds a case to separate your venture from your competition. You don’t need a two-inch thick business plan. Plans this long often lack aim; instead of building a case that leads investors to decide whether the business is the right investment for them, they “fire away” in hopes that some of the shots will take effect.

Two, an effective elevator pitch–a 60-second, to-the-point verbal pitch for your business–that communicates to your customers and investors what you do in an exciting and engaging way. The ability to separate your business from your competitors and get an investor’s interest in the short time it takes to ride up an elevator is critical.

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Two Recommended Hospitals in Frankfurt, Germany

Frankfurt, officially known as Frankfurt am Main is the second largest metropolitan area in the country of Germany. Frankfurt is a globally renowned center for commerce, transportation, finance, education, culture and tourism. It is regarded as the second most expensive city of Germany and one of the top 10 most livable cities in the world. This city is very multicultural as 30% of its residents are immigrants. It was also the former headquarter of the U.S. Army in Germany. Visitors can find many modern hospitals in Frankfurt that offer high quality health care at global standards. All the leading hospitals accept major health insurances and provide special accommodations for international patients. Here is a note on some of the better hospitals in Frankfurt.

The University Hospital of Frankfurt located at Theodor-Stern-Kai 7 is a major health care facility in Frankfurt. The hospital offers comprehensive medical service to a large number of patients. Founded in 1914, the hospital now has 25 medical clinics and 25 research institutes. It is one of the most well known centers for various types of transplant and the only designated center for liver and pancreas transplants in the area. The central laboratory performs every kind of test for hematology, immunology and coagulation analysis. Its ISO 9001:2000 certified Institute of diagnostic and interventional radiology is remarkable and offers service in many areas. This is a premier institute for medical education and research. Tel: + 49 69 630 10

Hospital of the Holy Spirit GmbH (Hospital zum heiligen Geist) is another popular hospital in Frankfurt that offers modern and effective health care at an affordable cost. This hospital is regarded as the oldest health care facility in the city with its glorious history of about 800 years. The center offers the complete range of medical services including internal medicine, gynecology, obstetrics, surgery, aesthesia, psychosomatic medicine and pain therapy. The surgical clinic employs some well known surgeons and works under and interdisciplinary consensus. The Women’s Hospital features four birth rooms with a birthing pool, a birth stool, and a waterbed. The hospital has the best emergency care unit and ICUs. The emergency section has 20 beds and features many specialized units for heart attack, renal failure, poisoning, acute abdominal problems and shock. Tel: 069/2196-0

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Importance of Communication in Hospitals

Interaction with the front desk staff generally forms the patient’s first impression of a hospital. Lack of communication is also often the root cause of a majority of incidents that occur in a hospital. In today’s customer focused healthcare scenario, communication plays a massive role in a hospital. Sadly, it is also one of the most common and overlooked problem areas in a majority of the hospitals.

Communication can be a very effective tool for improving patient satisfaction in a hospital. Hospital feedback forms often reflect issues where improper or inadequate communication is the root cause. Long discharge time is a common cause for patient dissatisfaction in most of the hospitals, however, a major cause for disconcert could be that the patient/patient relative were not explained at the onset about the discharge process and the time taken for it and hence expects a discharge the minute the doctor orders it. Similarly, if patients are informed beforehand of the expected time delay and reasons for delay in an OPD, they are less likely to complain about the waiting time and the services at the hospital. Patient Safety is another area which relies to a great extent on communication. Improving effective communication is also one of the patient safety goals. Even a minor mistake during handover between shifts can effect patient safety. Similarly, critical test values need to be communicated instantly to the concerned consultant and in case of a code blue, alerting the code blue team or the concerned personnel is indispensable. In a healthcare set up where a critical test result or a change in the patient condition can be a matter of life and death the importance of communication cannot be emphasized enough.

Some strategies for effective communication in hospitals:

• Soft skill training should be given to staff for better patient handling. Rude staff and inadequate information and attention by staff are frequent complains of patients at the registration and enquiry desk during the peak hours of patient flow.

• The hospital should plan and prepare for communication strategies in situations where enhanced communication is required and train their staff for the same, for e.g. sudden death of a patient, violent patient relatives etc.

It is also important that the patient relatives are periodically updated about the condition of the patient.

• Senior clinical and management staff should always encourage an open channel of communication with staff down the line. There have been incidences in hospitals where patient care was compromised because the nurses were apprehensive to contact the doctor. A good communication culture in the organization also improves employee satisfaction as it improves transparency and increases accountability.

• Good intra and inter departmental flow of information is essential to improve the efficiency of hospital services. Quality indicator trends, audit results and patient feedback results should be communicated down the line to the concerned staff down the line, without which the activity is useless.

External and internal communication play a major role in a hospital set up where timeliness, adequacy, accuracy, completeness of information could play a vital role in avoiding errors and saving a life. At the end of the day, however good the clinical care given it will be useless if it is not communicated appropriately to the patient.

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Some Laws To Protect Your Automobile

People tend to face numerous issues with respect to their automobiles. Some of the most common problems that people face are –

• Buying a defective car and getting refused a refund, fixing and replacement by the manufacturer.

• After completing a final loan contract, you are asked to sign a new contract with higher down payment.

• You are trapped with deceptive advertisements and you have been sold a more expensive car.

• Dealer conceals optional add-ons and undervalues the trade-in during fixing of the deals.

• Your car is repossessed without your consent by the creditor.

Know Your Rights

There are different laws that save the consumers from auto fraud. Here is a list of various laws and their scheme of protection.

Magnuson-Moss Warranty Act

This law is utilised when a contractor, warrantor or supplier denies complying with a service contract, written warranty or implied warranty.

State Repossession Laws

These laws state that –

• Your car cannot be removed from a locked garage by the car repossession company without your consent.

• You can put your car up in auction or you can pay the full money in order to buy back the car.

• On paying repossession costs or reinstating your loan, you can get your car back in some states.

• Your car must not be sold below market value.

• You should be informed whether the creditor will put the car up for auction or not.

State Lemon Laws

Those cars are dealt by lemon laws that have been repaired many times for the same defect. Different states have different lemon laws.

• Your car should be replaced or refunded by the manufacturer for a substantial defect after four tries.

• Your car should be refunded or replaced for a safety defect after two tries.

Truth in Lending Act (TILA)

According to TILA, interest rates and other information regarding the loan should be disclosed by the lenders before processing a loan. You can get the best auto financing rate with the help of TILA.

Unfair, Deceptive, or Abusive Acts or Practices (UDAP)

You are protected by UDAP from deceptive, unfair and false acts including the false advertisements.

Contacting an Attorney

You should know about the following, if you want to contact an attorney.

Repair Record

Keep record of the timing of the car when it is out for service and keep track of the repair attempts. Every time you repair the car, do not forget to submit a dated and written list of problems to your dealer.

Notice Required

Before entitling to a replacement or refund, you must go through the notice requirement of your state.

Your Refund or Replacement

Ask the manufacturer for a replacement or refund only after confirming that your car is qualified as a lemon. You may have to go through arbitration if a valid arbitration program is incorporated into your written warranty, in order to get your replacement or refund.

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Hospital Discharge – How to Plan For a Safe Discharge

Be aware that all unplanned, rushed or poorly coordinated discharges from hospitals are very dangerous! A recent study in the New England Journal of Medicine concluded that one in five Medicare patients are readmitted to the hospital within 30 days. One in three are back within 90 days. The author suggests that many of these problems are related to inadequate coordination of care and poor discharge planning.

Why This Happens

Discharge planning is not always given the care and attention necessary for a smooth transition from the hospital. All patients should receive detailed care instructions in their language and at their health care literacy level. Unfortunately, this does not always happen.

Hospital staff members are under intense pressure to release you as soon as they can. Those in the health care industry have coined the term “quicker and sicker” when they describe how patients are now discharged from hospitals. As a direct result of such early hospital discharges:

· 41% of patients are discharged with test results still pending.

· 13% of these tests are of an urgent nature.

What’s worse, at the time of discharge, one half of adults have trouble understanding their prescriptions or discharge instructions. In addition, less than one-half of patients know their diagnosis, treatment plan or side effects of prescribed medication.

The results of poor care coordination at the time of a hospital discharge can jeopardize your health and safety. Here is my recommendation; don’t allow this to happen to you or a loved one.

Take Active Role in Your Discharge Plan

You must insist on a well planned and coordinated hospital discharge plan. At the very least, be sure to:

1. Receive the necessary discharge education about the condition that brought you to the hospital. Take full advantage of the expertise of the hospital staff. Ask as many questions as necessary to gain a full understanding of your condition, diagnosis, and treatment plan. Ask for written information as well.

2. Request to meet with the hospital pharmacist to review all of your discharge medications. Be sure to discuss any changes, additions or deletions of medication that you were taking before your hospitalization. This process is called “Medication Reconciliation” and is essential to a safe discharge. It has been found that between 20 and 30% of all hospital re-admissions within 30 days are the direct result of medication issues.

3. Find out when you need to follow up with your medical team such as your primary care physician, surgeon or specialist. This is critical as a well coordinated discharge plan will involve timely follow up care.

4. Be sure that your primary care physician receives copies of your discharge medication list and instructions. Take your copy with you to your follow up appointment.

These are just a few of the items that need to be contained in your official discharge plan. Remember, this may not happen unless you request it. You will increase the likelihood of a safe discharge when you are an active participant in discharge planning.

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Two Recommended Medical Centers in Curitiba, Brazil

Curitiba – located in Paraná state is the most important city in southern Brazil . Curitiba is the second largest car manufacturer and is regarded as the best place for investments in Brazil. Attractions include gardens, an opera house and museums.Curitiba has a developed medical service sector with many modern hospitals.This is a summary of some of Curitiba's reputable hospitals.

Hospital VITA Curitiba is one of the best hospitals in the country. The 152 bed, modern hospital is operated by one of the leading hospital groups in Brazil. The hospital has attained many famous accreditations including the highest accreditation level of the country awarded by ONA (National Accreditation Organization). Hospital VITA has full-fledged clinical departments and seven operating rooms, all of which provide excellent medical and surgical service in every specialty.

The hospital's emergency center features an emergency room, 13 observation rooms and 1 minor surgery room making the center equipped to meet any urgency. It has a 24 bed general ICU, a pediatric ICU with10 beds, a cardiac ICU and a neurological ICU. All of the ICUs in this hospital offer 24-hour specialized care. VITA Curitiba has a nicely equipped diagnostics division that offers over 16 types of advanced procedures. It is also equipped with modern laboratories, a hemodynamics section and a pharmacy. Hospital VITA has110 apartments and it offers accommodations in a friendly environment. Tel: + 55 41 3315 1935

Hospital Santa Cruz is one of the best private hospitals in Brazil and is placed at Avenida do Batel, 1889 Curitiba. This 220 bed multi disciplinary center started in 1966 and has won ONA's third level approval. The center, popularly known by Holy Cross Hospital, offers excellent medical service in all specialties. Additionally, its preventive medicine, neurosurgery, cardiology and emergency divisions are nationally renowned. The hospital has eleven modern operating rooms including six general surgery theaters. The emergency unit has modern facilities as well as 60 specialized physicians. This specific emergency unit has the highest number of doctors per shift among the Curitiba hospitals. The ICU with 32 beds offers excellent care. The laboratories are also at par with other international hospitals. Warm accommodations are available in luxurious suites and rooms. Tel: + 55 41 3312 3000

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Hospital Dentistry As Special Dental Solution

There might be times when conventional dental care would be insufficient for some patients. The factors can range from physical limitations because of sickness to the age of the patients. Either they might be too young or they are too old to have a regular cleaning or a root canal treatment. A remarkable solution to all these problems is the hospital dentistry.

This is a special arrangement, or a solution, for those who need dental care but not in a normal setting.

Occasionally, the patients also have problems getting the treatment in a clinic. This is despite the fact that dentistry is completed with countless state-of-the-art features. It has come a long way from the 17th century when Charles Allen published the first book of dentistry, titled the Operator for the Teeth. In many cases, hospital dentistry has emerged as the only special dental solution.

This might be surprising but this special dental solution works for those patients, who have a phobia for anything related to dental care. Many people have also fear about the needles and forceps used in a clinic. The treatment might be a simple paint-free dentistry, such as for cleaning and teeth whitening. Yet, the irrational fear persists.

On the other hand, kids, young children and other patients with development disabilities would also need special care and treatment. A traditional dental setting would be insufficient for them. In extreme cases, there might be patients who would need a full sedation as in a hospital to get the pain free dentistry as well.

So what are provided in hospital dentistry?

Though the approach is slightly different from normal care in these facilities, all the common dental care solutions are available. Patients can look forward to a host of paint free dentistry, some of which are mentioned below:

• Cleaning and prevention: This includes fillings, digital X-rays and deep cleaning.

• Teeth whitening: This is remarkable for cosmetic purposes.

• Invisalign: This is a much more efficient alternative to traditional braces.

• Root canal therapy: Hospital dentistry has simplified this complex process of curing tooth pain and decay.

• Extractions: Many patients cannot stand this treatment and hence the crucial roles of pain free dentistry.

• Crowns, dentures and bridges: These are ideal for curing both teeth problems and cosmetic purposes.

• Implants: Another cosmetic solution in the most effective way

To conclude, hospital dentistry is an extension of dental care, albeit with a more sophisticated, yet simplified purposes. Precisely, it would suit everyone’s need regardless of phobias, inconvenience, age or illness.

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Locate the Best Hospitals in Milan

Milan is a wonderful city in Italy. Apart from being a sought after tourist destination, it is also a hotspot for fashion, business, art and music. Tourist attractions here include museums, castles, cathedrals, universities and libraries. You will find a sufficient number of public and private hospitals in the city. In case of an emergency you can call the Red Cross at 3883.

In case you happen to need medical assistance during your visit to Milan the Milan Clinic is a good choice for you. A complete healthcare facility that offers the entire range of medical facilities for the entire family, the clinic is staffed by English speaking doctors and nurses. The address for the clinic is 25 via Cerva, Milano. The hospital also offers vaccination advice to those traveling overseas.

The San Raffaele Hospital was founded in 1969. The facilities available at the hospital include clinical, diagnostic and surgical services. You will also find a fully equipped emergency room and an intensive care unit at San Raffaele. The focus in this hospital is on holistic healing. Therefore the hospital employees take care of the biological, psychological and spiritual aspects of healing. The hospital also carries out scientific medicinal research.

The Clinical Institute San Siro is currently in the process of remodeling and modernizing itself. The hospital mainly focuses on orthopedic surgery. The hospital holds an expertise in arthroscopic knee surgery, reconstructive surgery and sports trauma.

Located in the heart of the city, the nursing home la Madonnina is a hospital that is known to provide world class health service. The clinic provides a host of medical services and has a team of dedicated medical professionals. The hospital is operational 24 hours a day and in case of an emergency one can easily get medical assistance here at any time. The amenities at the hospital include operation theaters, delivery rooms and superior diagnostic services. The hospital address is via Quadronno at no.

Centro Cardiologico Monzino is a hospital dedicated to providing modern care in the field of cardiology. This hospital established by Professor Cesare Bartorelli is affiliated with the University of Milan and integrates research and education with clinical practice to provide the patients with the best medical care possible. The hospital offers the latest in diagnostic and therapeutic care.

The La Casa di Cura Privata Capitanio is a charity institute run by the Congregation of the Sisters of Sante Bartolomea Capitanio and Vicenta Gerosa. The hospital is the place to go in case you are looking for good and reliable services that don't cost too much. It is a hospital with multiple specialties. The hospital address is via g Mercalli, 30 – 20122 Milan and the telephone numbers is (02) 58-389-1.

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