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Drive-Thru Health Care
According to the CDC, almost 44 million Americans do not have health insurance. That”s 44 million people who have to pay out of pocket for their health care. However, basic health care is becoming more affordable because of walk-in clinics.Wanted: Health Insurance44 million Americans lack health insurance. Unfortunately, all of those Americans need health insurance. They not only need health insurance to get adequate treatment for illnesses and injuries, but also for disease prevention, screening and early diagnosis.When people do not have health insurance they worry about what they will do if they get sick. That should be the least of their concerns. There biggest concern should be whether or not they have a disease that could be treated in its earliest stages. They should also be worried about preventing chronic diseases.As adults, you should see a health care provider at once least every two years. You need to get physicals and have “get well” visits. Your weight, body mass index, body fat percentage, blood pressure, cholesterol, and blood sugar should be checked. Many expensive and debilitating chronic disease can be prevented with those simple tests.Toilet paper, Deodorant and Health careDo not let the lack of medical insurance prevent you from seeing a health care provider. Walk-in clinics are a great option for basic medical care. You can find these clinics in multiple locations. They are in certain Wal-Mart, Target, CVS stores and as stand-alone locations. At Wal-Mart clinics a typical Get Well visit cost less than 65 dollars. You can have your cholesterol, blood sugar and blood pressure checked. You can also have many common health ailments treated. Find a Wal-Mart Clinic near you.Wal-Mart is not the only place that offers walk-in clinic. Do a Google search or look in your yellow pages for a location near you. Go see a health care provider because prevention is cheaper than treatment.
Commercial Mortgages – Hey Lender – I’m a Pro – Part 2
The Initial ApplicationA significant amount of paperwork and time is involved with processing commercial loans. For this reason, a scaled-down loan application is generally used for initial financing requests. This allows the lender, broker and borrower to avoid wasting a lot of time processing a deal that isn’t going to close.If your application is well-targeted and well-constructed, you’ll probably receive a conditional loan pre-approval letter from your lender. While pre-approval isn’t a commitment, it is a very important document. Your pre-approval letter is in fact an expression of interests by your lender in making the loan and an estimation of the eventual terms. If all of your information checks out, there’s an excellent chance your transaction will close on terms very similar to those agreed upon.Final loan approval will be subject to many factors, including a satisfactory appraisal, approval of the borrower’s financial statement and credit report, and a more detailed analysis of the property’s cash flow. The key is to respond quickly to your lender’s due diligence requests.Each commercial loan is an important project, both for the borrower as well as for the lending institution. In today’s unstable lending environment loan parameters have tightened and underwiriting processes have become more rigorous. This may be a blessing in disguise, because sometimes, lenders save anxious prospective borrowers from making very expensive mistakes.It is more important than ever to go into the loan underwriting period fully prepared for a thorough and at times frustrating process. Time and again I have seen that good deals, when properly presented, are still getting multiple loan offers. Making your underwriter’s job easy sends the message…”Hey Lender, I’m a Pro”…and will get you to the closing table with the least amount of frustration and delay.