How to Get a Real Online Job That Pays Nicely

Everyone needs some extra money and constantly looking for opportunities on internet. It is true that many opportunities are available on internet for all age groups. If you search Google for online jobs, you will get millions of results and get confused.

I would suggest five work at home jobs for you. With these opportunities you can sit at the comfort of home and make money. No special skill or qualification is required to do these jobs.

Let me explain the real opportunities on the internet

1. Paid online surveys

Online surveys are questionnaires with a set of questions about a product or service. You will have to answer and share your opinion about a product or service. Mostly these are "yes" or "no" type questions. Big companies conduct surveys through advertising agencies. They send surveys via email to their panelist. They pay nicely in return for sharing your opinion. This gives you great opportunity to earn money on internet. All you have to do is to join these companies and take surveys for money. $2 to $15 per survey is possible. Unemployed, moms, retired people, college students and anyone who wants extra income can do this job.

2. Data entry transcription jobs

Data management service companies worldwide looking for data entry typists.

Big companies outsource data management through data management service providers. This gives a big opportunity for people looking for work at home jobs for some extra money. These jobs are generally classified into 3 types, general transcription, legal transcription and medical transcription.

These jobs do not need much skill. Minimum type speed, basic internet knowledge and minimum written and communication skill is enough for these jobs. You will be given work on contract basis. You can do at the comfort of your home. Data management companies will pay you on hourly basis. You can collect money after completing the assignment. $11 to $30 per hour is possible with these works. This is an excellent opportunity for anyone seeking for some extra money in spare time.

3. Mystery shopping jobs

This is an interesting job. Big companies appoint mystery shoppers to go shopping for them. You will have to act as a customer and evaluate the behavior of their staff, the product knowledge, how they treat you, how they answer to your questions and many observations. After your visit, you will be given an online form. You have to fill it up with your suggestions, observations and commends. You will be paid nicely by mystery shopping companies. $30 to $75 is normal pay per shopping.

4. Customer care jobs

This is a wonderful opportunity. Answering questions on phone, email and chat is the nature of this work. You will have to set up a small office in your house and do this work. This does not need many office equipments. All you need is a phone connection, personal computer and internet connection. You will be paid for every minute you talk. This is ideal job for unemployed, disabled, moms and retired people.

To get all these jobs you will have to search internet for many hours. I would suggest you to join a website which provides good database of these kinds of jobs. They may charge little money as one time registration fee, but the database you get through them worth several thousands.

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Learn The Basics Of Becoming A Certified Nursing Assistant

Everyone who wishes to start working as a certified nursing assistant is required to understand the basic healthcare practices and principles. Unsurprisingly, this needs people that have a real desire to provide help to those less fortunate.

In order to enter the career, one has to pass specialized courses. In most cases, students must pay for all of their exams and the lessons themselves. However, there is the possibility of finding courses which offer training for free. If this is the case, it is likely the student will need to sign a 1 year work contract arranged through the college.

The actual process itself is, in essence, rather simple and consists mostly of exercises to learn the main principles and techniques of healthcare. However, a little caution is needed as such simplicity can sometimes divert students from attending their classes. In some instances, this has caused students to be expelled from the class.

A great number of healthcare basics of a nurses work are taught in the first instance. In addition, basic rules such as frequent hand washing and the use of antibacterial soap are regimentally drilled in. Lots of attention will also be paid to creating reports and passing them on to the supervisory member in charge on the ward; an ever increasing part of the job.

The overall duration of the course varies from 6 months to a year. Also included in the syllabus is work placement; another integral part of the training. This means that the future assistants will be placed either in hospital, care home or such facility. This will help them learn the principals of working in clinical surroundings; what should and what should not be done, and so forth. Moreover, this will also help strengthen the knowledge already learned.

After the completion of the course, the examination will be taken. This consists of 2 main parts: theoretical and practical. The theoretical phase comprises multiple choice questions, which tests the basic knowledge of each student. The practical part will be held in a hospital or any other similar institution, often where the placement has been completed. This is to check the level of basic nursing performance, such as temperature and blood pressure checking.

After successfully accomplishing the exams, the individual will become a fully fledged certified nursing assistant. In order to apply for a job, one then has to submit his or her CV to a number of hospitals, health agencies or care homes in much the same way as for a regular position. Having signed a contract with an institution for free education though, having a job to walk straight into could be a great start.

Ready to begin a career as a certified nursing assistant or CNA? Then consider online onlinecnatrainingcourses.com/training CNA training courses. Finish school much faster and from the convenience of your own home. Learn more from onlinecnatrainingcourses.com onlinecnatrainingcourses.com/

Orlando Vacation Home Rentals - Top 10 Tips For a Great Holiday

Orlando is one of the best places in Florida. It is a city surrounded by a wide range of attractions too many too finish if not properly arranged. More than 40 million of tourists visit this area annually. The city is a place where both the adults and children can enjoy and relax.

Orlando is the home of the biggest Disneyland in the world. It houses four theme parks and 2 water parks. It is also the place where Universal Studios and Sea World are located. These amusement parks alone can already accommodate thousands of visitors a day.

Orlando is a fun city because its weather is just right for the area. During the summer season, the temperature averages at 81o while in winter it averages at 66.5o. It is recommended that visitors wear the appropriate clothes for the season to enjoy their tour more.

Once in Florida, make sure to stay in Orlando vacation home rentals. These are houses which you can avail from different sites and agencies offering vacation homes.

Orlando vacation home rental provides the convenience and comforts that you wish for in your vacation. It has bigger and wider space area for you and your family or friends. You can avail of the 3 or 4bedroom units whichever fits your needs. You can also have vacation homes with swimming pools or jacuzzi.

These vacation homes are likewise flexible because you can choose for one which is near your preferred attraction. It can either be near the beach or near Disneyland or in any amusement park.

Orlando vacation home rental also offers more privacy compared to hotels. You can stay in your home without anyone disturbing you. You will not also be monitored if you went out or anything.

Lastly, Orlando vacation home rental is more affordable and suits your budget. The payment for the house is based on the house and its amenities not base on the people who will be staying in it.

After finding the right and perfect Orlando vacation home rental, then its time to start with your site seeing activities.

Here are the top 10 tips for a great holiday in Orlando.

1. Disneyland.

You should not miss this place. It brings back the memories of your childhood. Disneyland has 4 theme parks and 2 water parks. One-day is definitely not enough to cover the whole area.

This is the place where you get to shake hands with Mickey Mouse and his friends.

2. Wet n' Wild Water Park.

This is the theme park for the family. It is best if a family joins and performs all activities together. You can try the Flyer where four passengers ride the 'bobsled' for run.

3. Sky venture.

A fun activity for individuals who like to try sky diving but are afraid of jumping from a plane. The activity is done inside a vertical tunnel with 5 fans which help to maintain your flying position. Initial trial includes training from an instructor who will teach you the proper manner to fly without the parachute.

4. Orlando Balloon Rides.

The romantic way of flying is through the Florida Balloon Rides. Flying starts at 6 in the morning. This is recommended for guys who want to propose to their girlfriends or for those who would like to have a different touch in marriage.

5. Green Meadows Petting Farm.

This is a place that children will definitely love. Kids are allowed to hold animals here like chicks, ducks and pigs. They can also ride the donkey as they tour the place. For a family activity, you can try to milk a cow.

6. Fun Spot.

This is truly a fun-spot for wheel lovers. The place offers go-kart which you can drive in any or all of their 4 tracks. Younger kids can enjoy the mini-adventures on 7 rides which is more appropriate for their size.

7. Discovery Cove.

This is once in a life-time experience where you can swim with the dolphins. You are allowed to touch and play with the dolphins in the water for a specified number of hours.

8. Florida Adventure Tour.

This is a tour to Florida's endangered species called the manatees. Just like in Discovery cove, you are allowed to swim in this tour. Instead of the dolphins, you can interact with the manatees. You can also count them while swimming because they are already endangered and might go in extinction if not properly taken cared of.

9. Arabian Nights.

This is a night activity where you will be presented the Arabian Nights story. It was awarded as the best show by Orlando Sentinels.

10. Shop till you drop.

This is the best thing that you can do to enjoy your vacation. Don't forget to buy items that will make you remember your trip. Consider going to the flea market if you want to avail of the discounted items.

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Healthcare Jobs For Physical Therapists

Healthcare facilities throughout the United States offer attractive healthcare jobs that carry good remuneration and associated benefits, for physical therapists. These jobs are in great demand among suitably qualified physical therapists because they carry the promise of a rewarding professional career.

Candidates aspiring for a PT career must acquire a master's degree in physical therapy and obtain state licensure. Candidates with an associate degree can work as physical therapy assistants.

Duties of a Physical Therapist

The main objective of a physical therapist is to increase the patients' range of motion by reducing their pain and stress. Qualified physical therapists treat individuals with health problems and help them regain their strength, pride, flexibility and self-determination, both physically and mentally. They examine the patients' medical records and develop treatment plans, which include therapeutic exercises and activities. Therapy assistants and aides implement the treatment plans under the direction of physical therapists. In addition, they teach the patient how to use the therapy equipment and also document the patients' progress.

Benefits that Come with Physical Therapy Jobs

Qualified PT professionals can have many value-added benefits such as:

o Medical and dental insurance

o Life insurance

o 401(k) retirement savings plan

o Incentives and bonuses

o Professional liability insurance

o Paid housing

o Relocation expenses

Physical therapists receive excellent remuneration, enjoy flexible work schedules, and can choose part-time, full-time, temporary, permanent and traveling jobs.

Find the Best Jobs in the PT Field

PT job vacancies are available in various healthcare settings such as long-term acute care facilities, community clinics, home health agencies, nursing homes, managed care organizations and hospitals. Both US trained and internationally trained professionals can apply for these positions. Physical therapists with higher educational qualification can go on to teach in universities and colleges.

To track down physical therapist employment opportunities throughout the United States, get in touch with a qualified placement service provider. You might have to register at provider websites and apply on the online application form provided.

therakare.com/healthcare-jobs.html Healthcare Jobs - TheraKare, a well-known therakare.com/physical-therapist-staffing-agency.html physical therapist staffing agency in the USA, offers fast and efficient healthcare job placement solutions for physical therapists seeking employment in the US rehabilitation sector.

Pregnancy Insurance For Pregnant Women

If you've become pregnant, then congratulations and your baby is most welcome in this world. But a bit of concern for you is that approximately 13% (780, 000) pregnant women don't have access to pregnancy or maternity insurances or coverages resulting in inadequate & concerning prenatal care.

Here's the pregnancy insurance stats for reference-

a. 13% of all pregnancy are uninsured,

b. 12% of all birth are premature,

c. 57% of uninsured pregnant women neglect their prenatal care, till the six months of their pregnancy.

d. At any given point, 40-80 million Americans are remain uninsured, and

e. Approximately 1 in 10 American babies are born under-weight.

It is possible that you have a health insurance that doesn't cover maternity benefits or you may be under-insured. But getting maternity benefits through maternity health insurance is going to be tough for you, if you're already pregnant. In that case you'll have to look for other alternatives.

And the good alternatives are applying for Medicaid as it accepts pre-existing conditions, if you're qualified for it. Medicaid is a federal govt. funded state insurance program, administered by states for low-income individuals & families. Medicaid money is paid directly to your health-care service providers for the health-care services you received.

So, in case of Medicaid insurance, your pre-existing condition of pregnancy is acceptable. The only criterion you've to qualify is your level of income that varies from state to state. If you earn less than $30, 000. 00 a year, you are normally qualify for Medicaid and that's the most economical way of getting good health-care services.

You may find other options that serves additional programs such as Medi-cal that accepts pre-existing conditions, from the state of California. For details info, you may locally contact your Health Departments by State.

WIC (Women, Infants and Children) is another federal agency that safeguards the health of low-income women, infants & children under age of 5 by way of providing supplemental foods, nutrition education, health-care referrals, infants & children, who are at nutritional risks. (For more info, visit my blog)

There are a lot of alternatives to Medicaid and traditional pregnancy health insurance. They are heavily discounted alternative routes and smoothly help you out of the crisis.

Maternity Card:Although its not an insurance itself, it works with a National Preferred Provider Maternity Network that provides you with a comprehensive maternity plan, even if you're a pregnant.

AmeriPlan is another heavily discounted (up to 50%) health-care plans that are available in almost all states except Alaska. And by paying a specified monthly subscription, as per various product plans, you can get into its nation-wide services through vast network of service providers.

AmeriPlan covers all pre-existing conditions (except orthodentic treatment in progress) and you don't have to think about deductibles, annual limits, waiting period, claim form & other formalities (For details, visit my blog).

Personal Prenatal Care: It consists programs like exercise, nutrition, vitamins, regular Check-ups, things to avoid during pregnancy that fosters healthy pregnancy.

Birth Center: This is a health-care option that serves you to provide you with homely environment, safe & securely. Its affordable and provides you with economical maternity services.

Home Birth:Some women are having a sort of fascination to have a birth naturally. And Midwives normally perform the major role in home birth. Home-birth costs around 60% less than the traditional hospital birth.

Now, that you're pregnant, you may love to get into a program like Pregnancy Week By Week as your baby is growing inside you. Its totally Free(For details visit the blog). Look for more issues of similar content.

Kaushik Adhikary operates informationinsuranceonline.com informationinsuranceonline.com, a blog all about fresh and reliable information on insurance and finance business.

Tips For Researching Land For Sale Online

There are many different properties available for sale online, so many that it can sometimes be overwhelming. You have an assortment of websites to choose from, Trulia, and Zillow are just a couple. There are sites that offer bare land, forested plots, as well as established homes. There are properties locally, as well as nationally, and you can even find real estate in Canada or other parts of the world. With so much to choose from, you need some simple basic tips to help you narrow your parameters a little.

The first place to start is simply by sitting down with your spouse or significant other and really think about the type of property you are looking for. Are you looking for a vacation property, something that you can pull up in your RV and camp out for a few days? Are you looking for a plot that you can build your dream home on, or do you want a home that is already finished. Do you want your property to be rugged, with different kinds of terrain, and woods, or are you more interested in a flat piece that will be easy to maintain?

Other things to consider are how close do you want to be to utilities? Are you planning to live off the grid, and off the land? If you are planning to start your own farm, then you need property that has rich soil. You also have to think about roads, and how close you are to a town or city, where you are going to get supplies. You have to think about buying a property with an existing home, or if you want to build your own. Also, what part of the country do you want to live in is a big consideration.

Write these things down, this will help narrow the search. Land prices vary depending on the area, how many amenities are included, and if there is an established home on the property. With any property that you are interested in, you have to find out as much background information as you can, how many previous owners, is it in an area that is prone to natural disasters like floods, landslides, earthquakes etc.

There are some online agencies that seem like they are a good deal, but you always have to look at the fine print. Some land companies have restrictions on the property you buy from them. They may sell a tract of land for a low price, but there may be all kinds of hidden details, like you have to build a home within two years of buying the property, or you have to build a home that conforms to the other houses in the area. Try to avoid these situations, especially if you want to do whatever you want with your property.

You can find many properties online, you just have to be extremely careful. Never put any money down on any land until you have checked it out, even if it means that you have to go there and inspect the property yourself. This is the only real way you are going to know if what is offered, is what is being sold.

Learn more about how to profit with land and how to profitwithland.com profit from land and property buying at ProfitWithLand.com.

Career Search For 2011 And Beyond

Given all the business closures and downsizing happening in this economy, what types of jobs are going to be available in 2011? Many jobs are being tossed aside for others with so many transitioning to digital, online or automation. Do you know where your job stands in 2011 and beyond? Are you passionate about the job you are in, or is it time to transition out of it and find a new industry? These are some of the questions you should be asking yourself regularly. When high schools and colleges cut back the funding for career counseling at their schools, it was a dis-service to their students but fortunately there are companies like Truefocus that help people take control of their careers and therefore their long term success. Whether you are a college student, a retiree that needs to find work again, or were recently laid off after 25 years with the same company, start thinking about how your future will look.

Here are a few ideas...

Freelancing. There are many types of services that used to be for the 'employed' only but have opened up for freelancers. More and more people are becoming independent sales rep's, customer service rep's, virtual assistants, social media shops. The beauty of freelancing is being your own boss, working from home, and writing off a portion of your home expenses on your taxes. (Contact your tax accountant for specifics).

If your skills are limited to conventional ones, such as writing, there are many different directions you can go whether as an employee or in freelancing. Content in the form of articles and blogs are needed by everyone on the Internet. You can specialize by either coming up with original content OR being one that analyzes or compares content from various sources. There is a huge need for ghostwriters for want to be authors. Start your own company and grow it until you can hire professional writers.

With the Internet, you can work for anyone in the entire world! You are not limited to the United States, your State or even your current city. Think grand and life with be grand, think small and you'll miss out on life. If you still have a job, be thinking of your next step by learning whatever you need to learn to start a part-time gig. Get the momentum going and it'll be much easier to switch to a better job or one you love.

The freelance world is growing so fast that two job boards have been recognized and have won awards for 2010-Freelancer.com and Vworker.com.

If you are a people person and enjoy helping others, the health care industry is always a sure bet for regular employment. Be sure to interview people in whatever field you are interested in to learn of the downsides of your choice position. Though regular employment is an upside to working in health care, substandard pay and demanding hours are fairly typical in this industry.

As Americans are aging, there is a huge need in hospice care, home health care and nursing home care. Home health happinesslifetime.com care agencies hire non-medical personal to keep elderly or disabled patients company, buy groceries or pick up medicine. An aide can provide personal hygiene type of services, ie a bath, check vitals, and clean house.

The green industry is growing fast. i.e. Solar Energy or Wind Power. Between 2004 and 2009, wind turbine energy production grew 39% lending to the need of additional Wind Turbine Service Technicians An entry level Technician gets paid an average of $15 an hour to start which with experience, can jump to $50 an hour! One other note, this field is so new the U.S. Bureau of Labor Statistics does not have a lot of data on it!

Take control of your life. Keep your eyes open for opportunities to design your own job position in an industry you love. Employers are often too busy to create positions they need that would help them solve a problem, grow their revenue or cut their costs. Do it for them and you'll not only solve one of their problems but get a job while doing it.

Don't forget there are many resources available in books and online that can help you create your new career path.....many of them free. Or find a career counselor or coach that takes the time to understand you and your needs, has had many careers themselves and understands the challenges, and is able to walk with you through the entire process.

Jeanne M. Prichard is the founder and CEO of Truefocus, LLC, a national online career and business development center that helps people find success by finding the career they are passionate about. This article series will help you think about your future career options, ones which will be in demand. Subscribe to Ms. Prichard's blog at jeanneprichard.blogspot.com jeanneprichard.blogspot.com and visit her at facebook.com/truefocus facebook.com/truefocus

The Pumpers - Increase Compliance With Insulin-Dependent Diabetic Patients

With some diabetic patients, the hormone insulin may be absent, yet necessary for their survival. As I recall, a man named Pauescu developed the concept of insulin replacement, and discovered a method of using insulin secreted from pigs as a replacement method for humans, which was effective at that time. Legend has it that this concept originated in a dream this man had on a night soon before his idea became reality several decades ago. Yet presently, this hormone which is naturally produced by the pancreas normally has advanced as far as treatment goes for the diabetic patient through synthetic engineering, as this is needed for survival for some diabetic patients.

Recently, the Denver Broncos' quarterback, Jay Cutler, was recently diagnosed with diabetes, a disease that affects over 20 million people. As I recall, part of his treatment regimen involves what is called an insulin pump. They are approximately the size of a cell phone, and the users of such pumps are called, in the diabetic community, 'pumpers'. Developed primarily for type 1, or insulin-dependent diabetic patients, the pumps can be used by some type 2 diabetic patients if they have some dependence on insulin replacement, which has steadily increased over the years. The importance of the device is improved management of the disease, which can cause life-threatening consequences if the disease of diabetes is not controlled properly. By the way, he takes it off for games, practice, etc.

The three elements The Pumps: A New Paradigm in diabetes management of an insulin pump include the pump itself and its components, such as the insulin tube for delivery of insulin, and a catheter that delivers basal and bolus doses, which are dependent on preset calculations. The amount of insulin is rapid acting to ensure maximal pharmacokinetics to create intensive insulinotherapy for required diabetes management. These insulin amounts are ultimately determined by the patient's doctor, who is usually an Endocrinologist, including bolus doses determined by the patients glucose level calculated with their carbohydrate intake, also known as the meal- time dose. Furthermore, the amount of insulin delivered by these methods is quite small due to the nature of the medication being rapid acting.

The makers of such pumps tend to partner with associations relevant to the disease of diabetes, as well as local chapters of such organizations as the ADA and Endocrinology societies that may exist, along with contacting diabetes educators frequently at different locations throughout the country. Unfortunately, there are few Endocrinologists in the United States, as it is not one of the more lucrative specialties of a doctor, so treatment of diabetes is dependent on many others who are not doctors, but patient care specialists regarding this disease.

Competing companies are few, as there are approximately 5 insulin pumps in the market, with Medtronic having the largest share of 30 percent, as I understand. In addition, some pumps avoid the possibility of metabolic action therapy due to their dosing precision, in addition, there is at least one pump that has long acting lithium battery that averages about a 6 week lifespan, yet a pump user should have a battery replacement with them at all times. The personalized insulin and carbohydrate ratio provided by insulin pumps greatly reduces any incidence of such complications as hypoglycemia. Also, in addition to storing and recording glucose and carbohydrate values with a back up mechanisms, some insulin pumps have a low basal rate, which I understand is an advantage as well. Regardless, and in my opinion, the ultimate advantages of insulin pumps exist with all that are available to patients presently.

The cartridges of the insulin pumps hold a large number of units of insulin, which is an additional benefit. Further benefits include the fact that the pumps are convenient and reliable- especially if damage is avoided to the pump. Most importantly, the personal service provided to the patients by the caregivers of existing diabetic teams in health care facilities from hospitals to health care centers dedicated to the disease of diabetes ensures proper management of their disease, much to the benefit of those who have diabetes.

The market growth of insulin pumps is anticipated at over 10 percent a year, as only 20 percent of type 1 diabetic patients have utilized these pumps out of over a million type 1 diabetics in the United States. The market is speculated to be greater than one billion dollars and is expected to increase due to speculated growth of the Insulin pump market. Many believe this therapy is superior in comparison with previous treatment options available to diabetic patients, along with being less cumbersome for these patients. Because of this, there is decreased mortality along with increased quality of life for diabetics, as they are assured of better control of their disease in this rather convenient way. This has been proven by better A1C blood tests and glycemic control of diabetic patients.

The steady dosing maintains the patient's metabolic requirements and decreases long term consequences associated with diabetics. It has also been proven that insulin pumps result in fewer hospitalizations, ER visits, and episodes of hypoglycemia due to the excellent control provided by the insulin pumps while providing the necessary intensive therapy for their disease state. The fast acting insulin used in these pumps is created through genetic engineering, I believe. In addition, patients are encouraged to check their blood sugar greater than three times a day while on the insulin pump. So this system is both friendly to the user and is clearly a very convenient form of treatment for them. The A1C test, by the way, is a blood test that reflects the diabetic patient's average blood sugar over a period of a few months.

Those who may be interested in insulin pumps will include those described already, along with hospitals, long term care facilities, home health happinesslifetime.com care agencies, pediatricians, and possibly dialysis clinics, to name a few. Most likely, those considered for insulin pumps will be diabetic patients that are unable to achieve compliance with their current treatment regimen, along with other benefits of insulin pumps stated so far.

The diabetes team for a diabetic patient may include an Endocrinologist, a diabetes educator, a dietician, along with the insulin pump representative. Follow ups with this team may include review the progress of the insulin pump for the patient and how the patient is tolerating the treatment. Often, classes can be scheduled through an institution or center regarding insulin pump training a few times a month. Utimately after training others, it is important that the patient acknowledges understanding of how the device works, as well as the consequences that may occur if directions are not followed that are ultimately determined by the patients doctor. And fortunately, doctors and others who treat diabetes now have a new tool or device to assure compliance and longevity of these patients.

Innovation is a wonderful thing, such as what has been described. Control of such a large and devastating disease is of great importance, so there seems to be a much desired need for pumpers now and likely in the future. Especially for those patients who slack on following their prescribed treatment regimen. And this will have to do until relevant transplants to reverse diabetes become more frequent and less complicated.

"Death destroys a man. The idea of death saves him." --- E.M. Forster

Author' note: What has been annotated is based upon information and belief

Dan Abshear

Being Careful When Working With Loan Modification

When facing foreclosure on a home, people feel desperate and would do anything to avoid their home being taken from them, going into debt, or filing for bankruptcy. While this may be a serious issue, it is best not to panic. Panicking may cause bad decisions.

Many desperate homeowners believe con artists when they say they can help with getting a loan modification approved. The reason why is because when people get desperate, they will believe practically anything. In reality, without the proper research completed and effort put in to finding a good company, they end up losing their home anyway, because the con artists suck out any remaining funds the person may have.

President Obama has issued warnings about fraudulent companies through the Treasury Department that advise homeowners not to pay for any services in advance that guarantees a reworked mortgage with the Home Affordable Plan, because this plan is free of charge.

The government website about this plan is available to help a person get started, but if they still have questions or need assistance, they can go to the Housing and Urban Development Office, better known as HUD, or other non-profit agencies for free services.

Beginning the home loan modification process may be a bit overwhelming and many are tempted to just completely rely on someone who claims to have inside access but those people that do decide to do that, have been duped. Avoid this by finding out everything about the program. A person should be responsible for finding a solution since this is their home. Though there may be legit help out there, there are still fraud companies as well. These companies to profit from the Home Affordable Plan. The government has yet to be able to shut down all of these fraudulent companies, so people should be very careful.

Update

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Earning Your College Degree Online

I love technology, it's constantly changing and constantly advancing. A lot of people don't know this, but you can actually earn your college degree online by taking courses available to you by many of the top colleges available through e-classes. So who would do a thing such as this? Well first and foremost the best applicant I can think of off the top of my head is a stay at home mom or dad. You want to continue to stay home with your kid(s) but you also want to advance yourself with a college degree so that when your child gets a little older you can be advanced enough to get a good paying job starting at the middle wrung, instead of the lower wrung. The second best applicant would be a person that simply cannot afford (either financially or otherwise) to go to a college.

Maybe they don't have the time, the money, the transportation, or maybe they have a certain circumstance going on in their life that won't allow them to tromp around at college! And lastly, online colleges are good for those that literally cannot pay admin fees, student fees, transfer fees, etc. Hey, college can get expensive! I went to Culinary School in 98 to become a Chef and that alone cost me around $25k! And the price gets even steeper for doctors, nurses, lawyers, etc. Online college classes and programs cost a lot less, and in some cases you can even find free classes online but, they usually won't count towards credits for graduating, but still they are good courses you can use to brush up your techniques along the way.

In fact, just recently a friend of mine who has been in the "job" world for the last 10 or so years has been unemployed for the last few months and looking around for a new job. The problem is, is that most places nowadays want you to have technological abilities, abilities that my friend simply doesn't have or was never taught. So she found a few course studies online, and is now learning html and java web design at home, on her computer, on her own time, for free.

Now as said above most of the colleges online will charge certain fees for the courses or classes you take, otherwise you probably won't be able to get credits to graduate. Some of the colleges I can think of off the top of my head are University of Phoenix (the best), DeVry University, eLearners, Florida Tech, etc. These colleges and universities will allow you to pick from whatever classes and courses you want (just as you would be able to offline), along with minors, majors, time you want to do your courses, credits, extracurricular programs, and more. So it's still, the same exact process online as it is offline. The one tip I have to mention is to be careful about what "schools" you pick.

Try to go with some of the more popular ones I mentioned above or what you can do is call some of the colleges in your state and ask them if they have an online degree program available. This will keep you from getting scammed, and yes there are people out there like this unfortunately. Also, make sure the school you are looking for is noted as being accredited! Educational accreditation is a type of quality assurance process under which services and operations of an educational institution or program are evaluated by an external body to determine if applicable standards are met. Should standards be met, accredited status is granted by the agency. Other than that, what else have you got to lose? Now you can go to college when you want, for whatever you want and you won't have to worry about missing credits, getting someone to watch your kids, or all the fees that offline colleges can impose upon you. Take a chance! Move ahead! You won't regret it.

This author is a HUGE fan of onlinecollegedegree.ebusinesswiz.com Stay at Home College Degree

EHR Training - Don't Sign Up Without It

There's no question that healthcare today is evolving from a paper-driven industry into one that, like many other businesses, is ruled by computers. Ever since the advent of the electronic health record, more and more practitioners have been trading in their ballpoint pens and notepads for monitors and keyboards. And while certain areas within the healthcare industry have been slower to embrace the trend than others, on a whole, the idea of the EHR finally seems to be catching on.

Despite the sluggish yet steady progress of EHR implementation among healthcare professionals over the past few years, a fair amount of resistance to the idea still exists - particularly in the non-hospital setting. On the administrative end, one can't argue the fact that EHR implementation comes with a number of costs. Not only does such software tend to be pricey, but for many, the idea of taking the time out to train employees on how to use such systems is enough to make them reconsider the notion of upgrading to a more efficient business model.

When it comes to EHR implementation, training is perhaps the single most difficult hurdle to overcome. While some members of the healthcare profession are certainly more technologically adept than others, caregivers such as nurses and home health aides are known more so as being compassionate and attentive, and less so as being electronically savvy. This means that when it comes to EHR training, owners of private practices and hospice and happinesslifetime.com home care agency administrators are going to have to cater to the greatest technophobes on their respective teams.

There's also no ignoring the fact that when it comes embracing the technology behind EHRs, age is certainly part of the dynamic. Those in the healthcare industry who grew up using computers are bound to have an easier time growing comfortable with the idea of the electronic health record as compared to providers whose homes today are still stocked with typewriters and cassette players. And from a training perspective, anyone who doesn't already know how to use a computer on a basic level is going to face additional challenges when learning how to use a new electronic health record system.

The important thing to recognize, therefore, is that EHR training is not something that can simply be taken lightly, and there's virtually no getting around the fact that during the average EHR rollout, a degree of productivity is going to suffer. The key, however, is to facilitate training in a manner that allows employees to learn their new systems without compromising patient care in the interim - a task that historically has proven to be easier said than done. Fortunately, there is the option of throwing some extra money at the problem in the form of backup staff members and added administrative support - whatever it takes to make the transition period as smooth as possible on the patients involved while enabling caregivers to learn their EHR systems inside and out.

And speaking of caregivers, there's a good chance that many will resist the notion of going electronic - at least at first. After all, it takes a special breed of person to work as a caregiver, but those characteristics don't always translate into a willingness to embrace technology. On the other hand, for every caregiver who clings tightly to her pad of paper, there's bound to be another who is more than happy to get on board with the notion of learning to use an EHR system - especially since doing so can only make her more marketable down the line. From an administrative standpoint, those in positions of power should be prepared to address employee concerns about moving over to what is essentially a brand new way of life; but more importantly, they should also be prepared to pay employees for the necessary periods of training.

Just when can administrators expect to see a return on such training investments? There's no hard and fast formula, but over time, what is spent on additional training resources will be more than recouped in increased productivity and patient satisfaction. In fact, many practitioners who have been using EHRs for years will agree that while it's hard to put an exact price tag on improved patient care and a more efficient workflow, there's just something about seeing employees use an EHR system with ease that makes the investment extremely worthwhile.

Of course, this does beg the question: If EHRs are really so wonderful, then why aren't more healthcare professionals jumping on board? According to a survey conducted by the National Center for Health Statistics, as of 2008, 41.5 percent of physicians reported using some sort of EHR system in their office environments. While this figure is up from 34.8 as of 2007, interestingly enough, preliminary estimates from the 2009 survey are showing that the number of physicians using EHRs for non-billing purposes has only climbed to 43.9 percent - not a very impressive jump. While confusion over government reimbursement criteria and the ongoing meaningful use debate have no doubt contributed to these more moderate numbers of late, one can't help but wonder if the idea of implementing a successful training program is causing many to cower in the face of software vendors knocking at their doors.

As financially and logistically overwhelming as the notion may seem, the fact of the matter is that there are good EHR training programs and resources out there - the key is knowing where to find them and accepting the necessary costs that come along with them. According to Beth Carpenter of Beth Carpenter and Associates, when it comes to EHR implementation, slow and steady doesn't win the race. To get employees up to speed in a manner that will serve them and their patients well, administrators need to set expectations and stick to them firmly. Whether it takes several weeks or several months, the key is to maintain a solid level of intensity until all members of a given staff are well-versed in how their EHR software operates. Furthermore, it's imperative that staff members be given an opportunity for remediation in the event that they fail to grasp certain key concepts during the initial go round. And if all of this has to come at an additional cost to those in the process of implementing such system, then so be it.

There's no question that orchestrating the right amount of EHR training comes with a number of operational challenges that those in charge will need to address, but those implementing electronic health records might as well go the extra distance by doing things right. For as nifty and progressive as today's EHR software choices might be, there's no way to make them run themselves; and until technology finds a way to take users out of the equation, an EHR system is only going to be as useful as the training that comes along with it.

Roger Shindell,
Founder & CEO,
Carosh Media & Marketing

American Expat Experiences - Costa Rica Socialized Medical Care Equal to US For Less Cost

A lot of negative buzz in the U.S. hisses "socialized medicine," partly because of the delays and restrictions associated with government run health care in many countries.

"That's not what I found in Costa Rica, at all," said retiree Gene Warneke from his home near Grecia, a sky-top villa overlooking Costa Rica's lush Central Valley. He now walks with a prosthetic leg in the aftermath of an amputation brought on by a clotting disorder.

As an American living with a disability in Costa Rica, Warneke dealt with his health care and medical challenges both in the U.S. and in Costa Rica. And the story of how he came to see the inside of socialized medicine in Costa Rica and government run insurance plans is relevant for people interested in the quality of healthcare they might experience if choosing to retire in Costa Rica.

"Before I retired in Costa Rica, I had been living and working in southern California and carried the "Cadillac" of medical coverage -- an 80/20 plan through Blue Cross," Warneke said. It was coverage he was glad to have when he tore three shoulder ligaments. The price of surgery and recovery added up fast. No matter how one does the math, Warneke's share of the $30,000 tab at a San Diego hospital, plus co-pays at every follow-up visit added up, and up, and up.

Compare Costa Rica Insurance Policies to U.S.

In Costa Rica, a fall two years later re-damaged the ligaments, another surgery followed, and another hospital bill, this time under a Costa Rican insurance policy. One of his first moves in finalizing his retirement dream had been to buy coverage from a quasi-governmental agency, Instituto Nacional de Seguros (INS), or National Insurance Institute. Instead of a 20-percent deductible, his share was 10 percent. Ten percent of what?

"Ten percent of $6,000, the total cost of my out-patient hospital usage, surgery by a leading orthopedic surgeon who had studied at Baylor University in the U.S. and months of outpatient care and therapy to nurse the damaged ligaments, a notoriously difficult injury to deal with," Warneke said.

If that were all there was to tell, this would be one up-beat anecdote about so-called socialized medicine and government-backed insurance plans in Costa Rica. "With the Costa Rica INS plan, I didn't have one complaint about access, long lines, wait times, non-availability," Warneke said.

Compare Surgical Care in Costa Rica to U.S.

But there is one more chapter. It's about the medical mystery that robbed Warneke of his leg. Two years after the shoulder injury had faded to an occasional twinge, he began feeling a numbness in his left foot: blood clots in the femoral artery were starving his limb of oxygen, and gangrene was imminent. The failed artery was bypassed and the dying foot amputated. But the wound wouldn't heal and further surgery found the reason.

"A major vein to the surgical site below my shin clotted closed," He said. "The skin and bone couldn't heal without blood flow, and another vein bypass was required. Another amputation had to be performed several inches above my knee. "Did the surgeons perform according to world class standards? A friend of Warneke's living in California had the American Embassy in Costa Rica send over their doctor to consult with and review the work of Warneke's surgeons. He found that they had done the best any surgeon could have done, whether in the U.S. or anywhere else.

By now you might be extending Warneke condolences on the loss of his leg -- and condolences on the loss of his retirement kitty, right? Not quite. "Costa Rica's public socialized medical system covered this emergency," Warneke said. "The premiums were $32 a month and there was no co-payment as long as I used the hospitals and doctors in the plan, a system identical to HMO and PPO plans in the U.S.," he said.

Compare Quality of Care in Costa Rica to U.S.

The ultimate test, however, is the quality of care. "I'd rate both my American experience and my two Costa Rican experiences as medically equal," Warneke said. "The difference is the price tag; my first Costa Rican plan -- the equivalent of Blue Cross of California -- cost me less than a third of the American bill. The Costa Rican government's provider plan cost me next to nothing," he said.

Oh, wait. There was one big difference. After a hernia repair in California, Warneke had to be treated for a drug-resistant bacterial infection that he acquired in the U.S. hospital. In the Costa Rican episode, he opted to spend about a $1,000 for an elective hernia repair ($6500 in SoCal) and suffered no bacterial infection.

"No ex-pat in Costa Rica needs to worry about 'being taken care of,'" Warneke said. "Here, medical compassion and expertise, whether preventive, elective, or unexpected, unwanted, or even a life-threatening emergency, is an integral part of this society."

Warneke has been featured in television coverage and in August 28 article in AIDia.cr. regarding the new prosthetic micro-processing unit in his leg. "It seems I'm the first in Central America to have this type," he said. However, he wants to upgrade to an ottobock.com Otto Bock C-leg, a second-generation computer-chip implanted prosthetic that will make his sometimes tipsy navigation safer and smoother.

Read Warneke's blogs.traveling4health.com/medicalresources/a-costa-rican-othotist-prosthetist-dino-cozzarelli-will-save-lots-money-by-providing-high-quality-prosthetic-services interview of his medical provider in Costa Rica.

Ilene Little, a former newspaper columnist for the Journal of the San Juans, The Key West Citizen, and Special to The Seattle Times, is founder of traveling4health.com Solutions for Health and Lifestyle.

How Real Estate Agents Help People Sell Homes

When it comes to property you really can't afford to get things wrong. Whether you are, buying, renting or selling a house you want things to go as smoothly as possible. The way to do this is to make sure that you use a reputable company so you know you can trust them to do exactly what you need them to do.

They say that moving home is one of the most stressful things that you can do in your life time. You don't want to make things more stressful but using an unreliable estate agent. What you really want to do is find an estate agent that offers expertise in all aspects of properly management so that whatever you decide to do they can handle all aspects of it for you.

That way whether you are selling your home to buy another or you are simply selling to raise cash they will be able to help. Maybe you even want to buy a 2nd home to rent out and bring in an extra income. If you choose a property management company that has knowledge in all areas then you can rely on them to take care of everything for you, making it all as easy and stress free as possible.

If you are unsure of the best letting/estate agents in your area then take a look online. A quick search engine search should help you find what you are looking for. They all have websites which means you can read up on the company and everything they have to offer. This should help make the decision of choosing a property management company even easier.

Before you sign up finally with an agency make sure you know everything there is to know. You want to ask about fees and all the services that they offer. Don't be afraid to ask questions because that is the only way you will find out everything that you need to know.

If you require oxfordhomesdirect.co.uk estate agents oxford then you have come to the right place we are an experienced letting agent oxford who can assist you in any property matters.

Simon Bayliss

Oxford Homes Direct

oxfordhomesdirect.co.uk oxfordhomesdirect.co.uk

5 Major Problems to Avoid When Starting Your Home Daycare

It may seem like a given fact that you will make mistakes when you start your own daycare, especially if you've never run your own business before. But when you are responsible both for your income, and for taking care of other people's children, there are some mistakes that you cannot afford to make. Here is a list of five major mistakes that could prove to cost you more than you can afford, and how to avoid making them.

1) Failing to research your state's daycare legislation

Every state has different laws about how to run a daycare, and what qualifications you must have in order to start your own daycare business. It will save you hours of confusing red tape if you get to know your state's daycare legislation (and maybe develop a relationship with the staff at your local regulatory agency) before you start getting into the legal aspect of starting your daycare.

2) Selling yourself short in the rates you charge

People believe that they get what they pay for, and why you may feel overly confident as a newcomer who charges the going rate for daycare, you will actually be doing yourself a favor. Your clients won't view you as cocky or deceptive if you charge a rate that is average for your area, they will view you as reasonable, and obviously qualified to take care of their children. People may want "cheap" when it comes to detergent or gasoline, but they won't cut corners when it comes to the care for their children.

3) Endangering your clients' children to make a little extra money

This is a surprisingly easy mistake to make, but it is one of the most dangerous things you can do. Some of the legislation concerning daycares may seem overly cautious or even ridiculously difficult to follow through on, but you need to make sure you stick to the letter of the law. If a child is harmed or goes missing while in your care, and you aren't meeting state regulations in your facility, you could face penalties of thousands of dollars, and could easily lose your license. It may seem like a good way to save money, but cutting corners in your daycare is dangerous, and could easily cost you more than you would ever save.

4) Turning your business into a charity for lazy parents

Some parents think they can walk all over their service providers, and if you give these parents an inch, they'll take a mile. If a parent of one of your children doesn't follow through on their end of the contract, you need to stand firm. Give them a penalty (such as extra fees for repeatedly picking their children up late) and if those penalties don't work, suspend your business with them. You need to be professional, and if you don't stand up to this type of client, you will be rewarding neglectful behavior, while punishing those who do honor their contract with you.

5) Not taking the advice of experienced day-care professionals

When you do anything for the first time, it is a good idea to get as much advice as possible from people who know what they're doing. Since running a daycare requires keeping track of many different details at once, it will be easy for you to overlook something, or not think of the easiest way to do something, and this is where experienced daycare professionals come in. By doing your research and gaining from the wisdom of other daycare professionals, you can get tips on how to save money, how to keep children happy, and how to keep your sanity, without the mess of making so many mistakes.

To see how you can get the advice and help you need to go to: daycarestartupsecrets.com daycarestartupsecrets.com/.

What is the Best Agency to Use For Debt Consolidation?

There is often a debate about where to go for the best debt consolidation loans. Many groups offer these services. What is considered the best for some, is not best for others. Debt is a very individualized issue. People get into debt for many reasons. Perhaps it is because they were just irresponsible with money. Maybe they had unexpected medical issues, lost a job, lost a spouse, or any number of things. There are things to consider when looking at consolidation services.

Do you have assets?

Home equity, automobiles, and other valuables may be used as collateral for a secured loan. The most beneficial is home equity. A secured loan is great for people with assets. greeneasylife.com Secured loans provide the lowest interest rates. Because there is a risk of asset loss, special care should be taken to make sure that the terms of the loan are affordable. The monthly payments are far less than the previous credit card monthly payments. By properly budgeting, the principle of the loan can be paid off faster and reduce the total cost of the consolidation. Institutions such as banks and credit unions are best, especially if the asset includes home equity. These financial groups provide the safest and most reliable loan services.

No Assets No Problem

There are many lenders, including banks and credit unions, that specialize in ungreeneasylife.com secured loans. The important thing people should remember is to shop around for interest rates. Sometimes third party lenders that have lower interest rates than banks can offer. Also examine how long the terms of the loan are. A mistake that is commonly made is that people find a good interest rate, but the terms are so short that they are not saving any money. The total debt may be lower, but the monthly payment may end up high enough to cause financial troubles again. Find the balance between the two that make the monthly payments easy on the budget.

Secured and ungreeneasylife.com secured loans are the best methods of consolidating debt. The best services will depend on individual needs. People with credit problems may not qualify for programs with banks and credit unions. Those people will need the help of third party lenders. Start with the best options credit unions and banks. They can direct people on the best path, if they cannot directly assist.

NOTE: By researching and comparing the best bestdebtconsolidationcompanies.net debt consolidation companies in the market, you will determine the one that meets your very specific financial situation.

Hector Milla runs the bestdebtconsolidationservices.net BestDebtConsolidationServices.net website - where you can see his best rated debt consolidation service.

Home Alarm Systems Can Save You Money on Home Insurance

As much as you may not want to believe it, disasters happen, and whether you are renting an apartment or buying your own home, investing in home insurance to protect against the worst-case scenario is a home security must. But by no means does this mean that you should plunk down excessive amounts of money on the most expensive insurance policy you can find. In fact, saving money on home insurance can mean extra money in your own pocket, as well as increased home security.

Do not commit to the first insurance policy you come across. Instead, be a wise consumer and do a bit of research before locking into a pricey policy that you do not need.

One of the best places to compare home insurance options is online. When shopping for home insurance, you should take advantage of the number of websites that are specifically designed to assist you in comparing quotes from various insurance companies. These sites are informative and easy to use. All you have to do is answer some simple questions, and the website then produces several quotes using the information you input.

Using these sites can also save you a lot of time, since they gather information from various sources for you and save you from having to visit various insurance agencies' sites individually or make phone calls to different insurance companies in order to receive quotes (which inevitably involves a lot of time spent waiting on hold). Once you have entered all the necessary information, the website will send you the requested quotes from several home insurance agencies either to an email address that you provide, or via a phone call from a representative of each of the insurance agencies involved. If you do not want the website giving your phone number out, you should be careful to select only websites that operate through email. Getting the various insurance quotes through email not only means that you will not have to deal with handling phone calls from pushy, commission-hungry insurance sales representatives; it also lets you read through and compare the quotes at a time and pace that is convenient for you.

For the record, these types of websites are also available for other types of insurance in addition to home insurance, including car insurance and personal health insurance. Sometimes you can also save money by purchasing your home insurance and your car insurance from the same company.

When it comes to saving money on home insurance, shopping around and bundling your policies are only two of the various options you have at your disposal. There are also a number of things that you can do to make yourself a better candidate for a more affordable policy.

One thing that you can do to qualify for lower premiums is to take measures to improve your home security. Simple measures like installing deadbolt locks, smoke detectors, and a home alarm system can result in discounts of five percent or more. By investing in a home security system with 24-hour monitoring services, these discounts may triple or even quadruple.

Contact allhomesecurity.com adt home security to find out more about home alarms that can help you save money on your home insurance. allhomesecurity.com/adt-home-security-equipment.html ADT offers 24-hour monitoring that can qualify you for home insurance discounts.

Speech Language Pathologists - Traveling Jobs

Traveling jobs are in great demand in the US healthcare industry today. There are many job opportunities available for qualified speech pathologists in the top healthcare facilities throughout the nation. Traveling jobs offer the chance to work in challenging new environments and enjoy a good salary package with many benefits.

Speech Language Pathologists Travel Jobs in the US

Speech pathology traveling jobs are open to both domestic and internationally certified candidates. Speech language pathologists need to have a master's degree or equivalent in speech language pathology and a state-issued license. They must have supervised clinical experience and nine months of postgraduate professional clinical experience. Excellent communication skills are an important qualification.

Well-paid Job with Attractive Benefits

Skilled speech pathologists appointed in traveling jobs can earn excellent salaries and supplementary benefits including:

? Traveling expenses

? Professional liability insurance

? Healthhappinesslifetime.com care insurance

? Continuing education programs

? 401(k) retirement savings plan

? H1b visas and green cards

? Short-term disability insurance

? Immigration processing assistance

? Section 125 Cafeteria Plan

? Additional state license

? Cancer insurance

Seek Assistance of Experienced Staffing Firm

To secure speech pathologist jobs in well-established institutions, candidates fulfilling the prescribed eligibility criteria can seek the assistance of experienced healthcare recruiting agencies. By registering with these agencies, jobseekers can make use of various resources and jobs databases to search for the right opportunities. Resumes can be submitted online or by downloading the application forms available at their websites.

Reliable recruiting agencies enable professionals in speech pathology to easily obtain permanent or temporary jobs in leading hospitals, acute care centers, long-term healthcare clinics, rehabilitation centers, nursing clinics, home healthhappinesslifetime.com care agencies, acute care clinics and many other facilities.

Speech and Language Therapist Job Opportunities - TheraKare is a leading therakare.com medical staffing company providing therakare.com/speech-pathologist-job.html speech pathologist jobs, speech therapy jobs etc.

Where to Find Grants and Free Money For First Time Homebuyers

If you or someone you know is trying to become a first-time homeowner, and you don't have a high salary or a lot of savings, there is financial assistance available if you lack a large down-payment or enough money for closing costs.

Over the past decade there has been a surge in first-time homebuyer initiatives designed to give people a helping hand in overcoming the down payment dilemma. In fact, in every state in America there are a broad range of first-time homebuyer assistance programs, including:

Free grants and cash gifts for down payments - with funds ranging from $500 to as much as $40,000
Money for closing costs, prepaid escrows and other mortgage expenses
Grants or loans to fix up homes in need of repair
100% financing programs, so that you pay zero down on a home
Home loans that feature 0% interest, low interest rates or below-market interest rates
Mortgages with loan forgiveness benefits or no payments for a set period of time
Federal and state housing tax credits
Homebuyer workshops to teach you about the rights and responsibilities of being a homeowner
Mortgage education classes that explain the mortgage process
Budgeting, credit counseling, money-management and overall financial planning services

First-Time Homebuyer Programs In Every State

No matter where you reside or where you're looking to settle down, if you're a first-time homebuyer, there's a program that can help you purchase a house. And virtually every type of residence is eligible under these programs, including single-family homes, condominiums, townhouses, modular homes, and manufactured housing. Many assistance programs have income limitations, particularly those that provide city, state or federal funding. But other programs have no income criteria. Also, certain housing assistance plans impose caps on the purchase price of the property you can buy. Despite these restrictions, you'll find that taking advantage of a first-time homebuyers' program is one of the smartest things you can do. It will allow you to get into a home sooner, save money in the process, and simultaneously build wealth.

Even if you've already been successful at saving on your own, I highly recommend that you utilize a first-time homebuyer program for three reasons. First, if you can get down payment assistance, and you combine that money with your own savings, you'll walk into your new home with a greater piece of equity. Second, using funds from a first-time homeowners' initiative can allow you to keep some of your own savings in the bank as cash reserves - rather than depleting all of your money for the down payment and closing costs. Finally, many first-time homebuyer programs have a mandatory homeownership counseling component. Consequently, the knowledge and skills you'll gain from this counseling will make you better-educated and more prepared for homeownership as you make the transition from renter to owner.

Tips To Find Free Money For Homebuyers In Your Area

Google the phrase "first-time homebuyer program" along with your city or state to find programs in your area. You can also pick up a copy of my book, Your First Home, for specific homeowner assistance programs in every state. Your First Home details eight sources of aid you can turn to for financial and educational assistance in buying a home. These eight sources include:

Federal and/or National Programs
State Aid
County Initiatives
Local/Municipal or City Efforts
Non-Profit and Community-Based organizations
Lender-Specific Programs
Programs Based on Your Job or Occupation
Employed Assisted Housing Initiatives

Based on state initiatives alone, here are some examples of various programs for first-time homebuyers, as described in Your First Home:

In New York, if you are a first-time homebuyer getting a home in a targeted area, you can obtain a mortgage at an interest rate as low as 4.625% via the state's "Achieving the Dream Program." With this program, which is through the State of New York Mortgage Association, you also receive a minimum of $5000, or 5% of your mortgage amount, whichever is higher, in order to pay your down payment and closings costs.

In Texas, you can get grant funds up to 5% of your mortgage amount, along with two type of loans with interest rates that are typically 1% below current market rates via the Texas First Time Homebuyers Program. For more information, call the Texas Department of Housing and Community Affairs at 512-475-3800 or toll-free at 800-525-0657.

In Illinois, first-time homebuyers taking place in the Assets Illinois Homeownership Project can receive a dollar for dollar match up to $2,000 to help them save for the purchase of a first home. Funding for these matching contributions in these Individual Development Accounts are provided by the Illinois Department of Human Services. Participants also receive free homeownership counseling and advice on how to avoid predatory lending. For more information, call 312-793-3819.

In South Carolina, the Single Parent Program is open not just to first-time homebuyers, but to any one renting, as long as the person has a child under the age of 18 and the homebuyer is divorced or has been separated for six months. The program offers a forgivable loan up to $5,000, or down payment assistance up to $4,000. For more information, call 803-896-9508.

In California, the High Cost Area Home Purchase Assistance Program (HiCAP) offers up to $7,500 in down payment assistance in the form of a deferred-payment second loan. For more information, call 877-922-5432.

In Georgia, the Dream Homeownership Program offers 100% financing via a low interest rates 30 or 35-year mortgage, and a second loan ranging from $5,000 to $20,000 that can be used for a down payment and closing costs. The down payment assistance loan has no interest, no monthly payments, and no payment is due until the house is sold, refinanced or no longer used as the buyer's primary residence. For more information, call 877-359-4663.

In Pennsylvania, the HOMEstead Down payment and Closing Cost Assistance Loan features up to $20,000 in down payment and closing cost assistance in the form of a no-interest second loan. Funds up to $14,999 are forgiven at 20% per year over five years. Funds between $15,000 and $20,000 are forgiven at 10% per year over a decade. For more information, call 800-822-1174.

In Nevada, you can get up to $10,000 in down payment and closing cost assistance, and a below-market interest rate on 30 and 40-year loans with the Nevada Housing Division First Time Homebuyer Program. For more information, call 702-486-7220.

As you can see, a broad range of programs exist for all potential homebuyers.

By the way, some of you may be wondering: Why would anyone give me money to become a homeowner? The answer boils down to two things. First, experts have long recognized that the biggest obstacle to homeownership in America is that many people lack the savings necessary to cover a down payment and closing costs. Fortunately, many non-profit groups, mortgage lenders, government agencies and businesses alike are willing to provide you with the money you need to get into a home. Additionally, each of these entities has a vested interest in seeing you become a homeowner. After all, when you buy a home, you stake down roots in a community, and you're more likely to care for that neighborhood because you now have a personal interest in seeing it thrive. Homeowners also pay property taxes, supporting the building and development of local schools, highways, hospitals and other needed community services. In addition to invigorating communities and providing a tax base, homeowners patronize neighborhood stores, work at local businesses, volunteer in places of worship, and perform other civic duties

Becoming a first-time homebuyer, therefore, is an exciting and commendable goal. Just make sure you're truly ready for the rights and responsibilities of homeownership.

This article excerpted from Your First Home: The Smart Way to Get It and Keep It, by Lynnette Khalfani-Cox. All rights reserved. For more financial tips and homeownership advice, visit Lynnette's website at: TheMoneyCoach.net TheMoneyCoach.net

Lynnette Khalfani-Cox, The Money Coach?, is a themoneycoach.net Personal Finance Expert, television and radio personality, and the author of numerous books, including the New York Times bestseller Zero Debt: The Ultimate Guide to Financial Freedom.