Residential Real Estate Investing | Real estate

This is the flip side of homeowners that have found themselves unable to pay for their mortgages payments during the recession. Many individuals with the knowledge, and resources have been able to capitalize on the situation in the form of residential real estate investing. Real estate has long been one of the best vehicles to wealth for many individuals in history. More millionaires have been created in the United States through the investment of real estate than in any other industry.Since the beginning of the recession in 2007 real estate investors have seized on the opportunity in residential real estate investing throughout the US at discounts prices up to 50% off the properties markets value. How are these prices created you might ask. When the recession started many employers reduced their work forces in large numbers this created a domino effect in the market place. After several months of unemployment many homeowners began to stop making monthly mortgage payments on their homes. Banks and mortgage companies suddenly found themselves with massive amounts of delinquent mortgage payments on their hands more than they could handle all at the same time. In an effort to resolve this problem these mortgages companies and banks started issuing homeowners notices of default in an attempt to get the homeowners to begin paying on their loans again.This effort was not successful, and on top of that some mortgages that were originated several years prior to the recession had adjustments in interest rate built- in to the mortgage that automatically were scheduled to increase the monthly mortgage payment on homeowners for some $1,000, or more per month which added more troubled mortgage payments as homeowners were not able to pay the increased payments on their houses. This nearly brought the US financial system to a complete standstill which had not happen since the Great Depression of the 1930′s. So, with banks and mortgages following through with their normal practices of foreclosing on delinquent homeowners this created a large supply of homes at a bad time for the real estate market as a whole.Real estate values that had increased from 2003-2007 took a large drop in value almost overnight with an unsteady housing market new homeowners were unwilling to take the chance in getting caught up in the devalue real estate market. This is where residential real estate investing opportunities presented itself. Many of these individuals had been buying, and repairs homes through the boom period of 2003-2007 and had made a lot of profit in the process.So, they were fresh with cash ready to take advantage of this declining market. Banks had to sell this oversupply of properties as the US government bank regulators requires them to get these defaulted loans off of their books. As the only real buyer in the market banks began one by one selling off inventory at large discounted prices to residential real estate investors. These investors in turn made repairs to the homes, and as months went by some potential homeowners started hearing that there were lower prices available in the market place so they decided that they would take a chance at home ownership. The residential real estate investors started selling their properties that they had purchased from the banks at discounts up to 50% to these new homeowners. The new homeowners were happy as they were able to buy homes that were far less than they were able to buy that same home just a year before, and now they were getting new upgraded amenities that the real estate investor had thrown in such as new stain less steel appliances, upgraded cabinetry, freshly painted property through the home, and new flooring that was used to entice the homeowner to purchase.The residential real estate investing segment of investors continued to put more in more money into the market to purchase more discounted properties from the banks. They were making money hand over fist some properties were sold to profits of up to $200,000 to $300,000 per unit depending on where the house was in the country. This was good for business for these residential real estate investors. This trend continues to this very day, but the banks who found out how much these investors were making have made changes to their ways of selling the properties. Big profits are still available, but just not quite as big as the beginning days in 2008 through 2010. When the word got out how much money was being generated in the resell residential real estate market for distressed real estate properties new investors joined the group many of whom had never been in the real estate business prior to the recession. If you have ever thought about making money outside of your current employment there are still opportunities to make money in this avenue sometimes without the need for any of your own money or credit.The opportunity of the large money may not be there anymore, but what is wrong with making an extra $20,000 to $50,000 off of the sale of one property. Two or three property sells per year can put an extra $60,000 to $150,000 in your pocket up and above your current income without you having to leave your current job. This makes the residential real estate investing market alive, and well in 2013.

Distance Learning – Post Graduate Online Education Degrees | Education

According to the Survey of Earned Doctorates, as of 2004 there was a 3.4 percent increase in doctorate degrees awarded in the United States. In June, 2004, a total of 41,155 research doctorate degrees were earned by postgraduate students. The recent increase in doctorate degrees awarded after a decade of decline can be partially attributed to the convenience of distance learning postgraduate online education degrees.Postgraduate degree programs offer students an opportunity to explore a subject to attain the highest levels of proficiency in that area of study. Courses can be based upon a curriculum or independent study and research. A recent study released by both Penn State University Outreach Marketing and Communications and University Continuing Education Association revealed that distance learning is anticipated to grow ten times quicker than on-campus education over the next ten years. Further, about 45 percent of college enrollment are adult students who frequently prefer distance learning opportunities to classes on campus. Sun Chairman Scott McNealy states, “Technology has to play a huge role in education. (It’s) changed commerce…publishing…banking. It’s got to change education big time.”Distance learning postgraduate online education degrees afford busy students the opportunity to earn doctorate degrees at their convenience, without having travel to and attend traditional classes. By the time students intend to pursue distance learning postgraduate online education degrees, they are usually computer literate, self-motivated and able to manage their time properly. These are all essential elements to success in virtual classrooms. The two basic types of postgraduate degrees students may earn are professional doctorates or research doctorates.Professional doctorates. The United States requires terminal professional doctorate degrees to perform in certain fields, such as dentistry, medicine, law, chiropractics, occupational therapy and psychology. Prior to entering these professional doctorate programs, students are required to complete a bachelors degree, preferably in a related field. Professional doctorate degrees, such as J.D. and M.D., usually do not require students to complete a thesis, although some do require an original research paper to be submitted. Doctorate degrees usually take three years to complete after postsecondary education, although distance learning postgraduate online education degrees may be earned more quickly. Because online education courses are often geared for the busy adult learner, students can progress at their own pace.Research doctorates. The research doctorate that is most commonly earned is a Ph.D. The time is takes to complete research doctorate degree programs can vary quite a bit, depending on course pursued. It is common for students to take two to three years to complete coursework and three or more years to conduct pertinent research. The benefit of a Ph.D. is that a holder is qualified to pursue an academic career as an expert in their field. Distance learning research doctorate degrees are conveniently pursued online and can be easily worked around professional schedules.Honorary doctorates. These degrees may be awarded for substantial contributions to a field and are not necessarily academic.Financial Aid. Federal financial aid and loan programs may be applied to distance learning postgraduate online education degrees. Employers may offer tuition reimbursement for coursework. Private loans may also be secured to pay for higher education. Students have several options available that can help them finance their doctorates.Thesis. Some postgraduate doctorate degrees require students to write a thesis. The learner defines their own area of research and takes years to write a detailed paper, which may be made available as pertinent information to other students in the field.Coursework. Distance learning postgraduate online education degree programs offer students ongoing guidance through coursework, email, virtual lectures and online discussions. Students are, however, expected to work independently and use a variety of research resources to complete their course requirements.Online Students. A recent national study entitled Degrees of Opportunity revealed some interesting facts about online students. Eighty-nine percent of those surveyed felt that the benefits derived from higher education are equal to or even greater than the money, time and effort involved. Lyungai Mbilinyi, Ph.D and author of this report, stated, “Eighty-one percent associated higher education with a sense of personal accomplishment and seventy-eight percent believed education would better develop their talents or pursue their interests. Despite the assortment of obstacles many adults face when considering a return to school, the overwhelming majority believe the resulting benefits have made it worthwhile.” Finally, eighty-four percent of enrollments in higher education programs are non-traditional students such as distance learners and adults with jobs. Students who participate in distance learning postgraduate online degree programs are not only seeking better positions, but the increased knowledge and self-esteem that comes with an advanced education.The study “Growing by Degrees: Online Education in the United States, 2005″ found that full distance learning postgraduate online education degree programs were offered by 38 percent of schools. The popularity of postgraduate online degree programs makes it clear they are a viable way to earn higher education and improve career options.

Healthcare Software Plays a Major Role in Running Hospitals | healthcare

Health is one of the most rejoiced blessings of Almighty that humankind enjoys. A healthy person may not be wealthy yet enjoy his life but a sick person having bounties at his disposal may not be as happy as the former one. With the ever advancing time, advanced the technology developed by humans and that too at a rate of manifolds. 15 years ago no one had even imagined operating his cellphone by touching its screen but now almost all the phones use touch interface and some even don’t need a physical touch to get instructions. That’s a fine example of technological advancement in daily lives but apart from that the smart human mind has developed software to perform extraordinary tasks at the snap of fingers. Hefty tasks with extensive procedures are now possible to be done at a few clicks of the mouse. One such area of development is the Healthcare Industry where technological expansion is acting as a boon to us. Healthcare software have made the doctors’ jobs so convenient and patients’ lives much hassle free, but before proceeding further we need to understand what Healthcare software is.Wikipedia defines Healthcare software as – Software intended to analyze patient data generated by a medical device with a view to diagnosis and monitoring. Thus it is clear that today all sorts of medical devices and equipment use some sort of software to operate be it a dentist’s machine to get the X-ray of a human tooth or a super sophisticated radioactive machine that uses precise laser beam to perform chemotherapy.The healthcare software are becoming an absolute necessity these days for all the hospitals especially to run them effectively. Cases came forward of multiple casualties caused due to over dosage of drugs suggested by software due to errors in coding which resulted in regulatory bodies strictly reviewing the software to avoid further casualties. After stretched R&D, certain norms were formed which are followed in US and Europe. Today all software are developed on US and EU norms. With the boom in IT industry, numerous organizations are developing software focused only on Healthcare Industry. One should understand that healthcare software are used not only to diagnose and cure medicines but also for the smooth and hassle-free functioning of the organization or hospital or wherever it is being implemented.Let’s consider an example of any XYZ hospital using a series of healthcare software. These may primarily be used in operation of medical equipment but apart from that the secondary areas where these software may be used are numerous. Biometric attendance system uses a combination of software and hardware to mark the employees’ attendance using their fingerprints. Instead of hiring a clerk or manager, both resources and time may be saved by software that randomly assigns shifts of staff at various departments and times. A software may save a HR manager’s day at hospital by automatically calculating the working days and maintain the salary accounts of the employees. Earlier much time was wasted consulting hospital’s management and doctors regarding cases that fall under special category and may conflict with the organization’s policies. Welcome a new application that automatically does the required scrutiny for you. Many healthcare insurance companies are signing contracts with hospitals to provide healthcare services and with the entry of related applications and set of software the entries made at insurance office are mirrored at hospitals in contract and vice versa thus saving many lives due to the prolonged procedures used earlier. Even Nova (Earlier Excel) Hospital of Kanpur uses such software. Now clerks are no longer required to run all around the premises to the respective doctors to fetch and serve orders. Applications being used now make it possible to feed, manage and send the orders by the management or doctors. With just a few clicks an order may be transmitted to everyone intended in few seconds. Healthcare software also prevents the store rooms from getting flocked by files and records. Digitization makes it convenient store all the required data and records at single place which can be further accessed by authorized people through cloud computing or physical sharing. Since the time a patient gets admitted in a hospital to the billing of his treatment, Healthcare software takes care of everything.Continuous research and development in this sector and collaborations with giant IT companies, organizations are now developing extremely advanced yet easy-to-use software that are making millions of lives easy and saving so much of resources. From peon to surgeon to Managing Director of hospitals, Healthcare software touch everyone’s life and somewhat act as a lifeline making the software an absolute necessity for effective and efficient running of hospitals.