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Safety Sense: 4 Emergency Essentials For Your Vehicle

Posted on Oct 11, 2016 with No comments
Flat tires, dead batteries, burnt out fuses and low fluids are some of the most common causes of breakdowns. Install a metal toolbox or sturdy plastic crate in your vehicle filled with a variety of tools that at least include screwdrivers, wrenches, a tire gauge, a flat tire fix-it product, a battery charger, replacement fuses and bottles of fluids that help make your vehicle run smoothly. 

When it comes to emergency essentials for your vehicle, it’s better to plan ahead so that you have everything you need when the situation arises.

Nutritional Food

Many drivers forget the importance of having non-perishable snacks and water in their vehicles. You never know when you might find yourself suddenly dealing with low sugar, dehydration or a lengthy wait for a tow truck around meal time. 

You might also find another driver on the side of the road who needs nutritional help during a breakdown. If you have room in the trunk, consider installing an insulated cooler to store and organize this food. 

Keep in mind that a cooler and frozen bottles of water are also great for preventing spoiling of perishable foods and important medications during a long road trip or hot weather.

Medical Kit

Emergency medical concerns go beyond personal and roadside collision- and DIY repair-related injuries. Many drivers and passengers deal with sudden onset health problems like allergic reactions, heart attacks and choking. 

Make sure that your kit includes instructions for dealing with the most common injuries and ailments and medical supplies such as bandages, antibiotic ointment, burn cream, cold and heat packs, nausea, pain and antihistamine medicines, tweezers and safety scissors. 

Having a medical kit on hand will ensure that you can handle most emergency situations right then instead of waiting for medical supplies to arrive. In more serious situations, it can help you do what you need to do until EMS personnel arrive and take over the scene. However serious the medical situation, it is always a good idea to have a basic medical kit with you in your vehicle.

Contact Details

It is extremely important that you always keep emergency contact information in your vehicle, including employer contact information for those times when first responders can't reach your "in case of emergency" or "ICE" contacts. 

It also never hurts to have the contact information for trusted mechanics and automotive shops like Discount Tire Centers. You will want to have this information available to help ease the stress of a broken down car or flat tire.

These four essentials can help you handle most vehicle- and driving-related safety and emergency situations. Add them to your vehicle today.

6 Ways to Avoid Money Emergencies in College

Posted on Oct 9, 2016 with No comments
So, you're new to the college scene. Quite possibly you have never really lived on your own. You probably still are getting some support from your parents, but there's just no way to be ready for all of life's little emergencies. 

Things are going to happen, but there are things that you can do to avoid getting yourself in a real financial pickle in college.

Plan Ahead

Preparing for the future is what college is all about, so why not start by building a little safety cushion for hard times. Stow away a little cash for when unexpected situations arise. 

Maybe you work a part-time job, or maybe you pick up odd jobs on the side. In any case, always pay yourself first as the saying goes. Establish an emergency fund and no emergency will be that big of a deal for you.

Be Frugal

Most college students aren't into coupon-clipping and comparison shopping, but why not? This may be the time in your life where money is the biggest problem, so start trying to save every penny you can right away. 

There is just no sense in paying more than you have to for the things that you were going to buy anyway. Be on the lookout in the local paper, sales ads, and all around for the best deals.

Be Preventive

Look ahead at those things that might happen that can be prevented. For example, most people don't fix anything on their car until they get stranded somewhere. Look ahead. Maybe it's time to change that battery before winter sets in. Maybe you want to get those brakes looked at before you wear down the rotors. 

Preventive maintenance means cheaper repair bills in the future. The car is only one example. Your body is another. Be preventive with your health as well. Have regular check-ups both in the medical and dental department to avoid that big bill when something really goes wrong.

Live Within Your Means

There's going to be times when the people around you are going to do something and you just don't have the money to go along. Don't let them talk you into it. There are plenty of ways to spend your time. Watch a movie. Listen to some music. 

Take a walk. Don't spend money that you don't have, and you'll be much less likely to raid the emergency fund before an actual emergency arises.

Get a Bicycle

Biking around campus doesn't take gasoline, just good old-fashioned willpower. Not only will you save money on fuel and wear-and-tear on a vehicle, but you'll also be getting some exercise as well. 

Make sure you invest in a good titanium lock though, because bicycle thefts are a huge problem on college campuses.

Get a Cash Loan

Despite all of your good intentions, you still may find yourself in a situation that your emergency fund just can't handle. If you really can't get the money any other way, try to get a personal loan from a company like Nine Tails Inc. By using something as collateral, you can get quick cash. Just make sure to pay it back to avoid interest costs!

These are just a few ways you can make sure you are ready when money emergencies strike in college. Living out on your own can be a challenge for sure, but it doesn't mean you have to be caught by surprise when the unexpected comes along.


College Finance Frenzy: 4 Ways to Tighten your Budget

Posted on Oct 2, 2016 with No comments
Many people today are finding themselves strapped for cash. It seems like there is never any money left over at the end of the month, and you are struggling just to pay the bills. 

Therefore, you are always looking for ways to save money. If you need some tips to save, here are 4 ways that you can tighten your budget.

Stop Eating Out

It seems like in today’s world, people are just so busy all the time. Therefore, it is just much easier to go out rather than cook at home. However, eating out can get very expensive. 

You can save quite a bit of money by eating at home. Plan an affordable menu every night and stick to it. Your family can even help you explore different menu items that are simple, quick, and delicious.

Save on Entertainment

Going to a movie or a sports event can really add up in your checkbook. Fortunately, there are cheaper forms of entertainment. Watch a movie on Netflix or have a family game night. You can even get creative such as having a craft night together. 

There should also be plenty of activities to do in your area that are completely free. Find a free museum or go to the park. Many attractions will also offer discounts, so go online to see where you can find a good deal. This is a great way to tighten your budget.

Buy a Used Car

When purchasing a car, it is very tempting to want a brand new vehicle. However, used cars are much more affordable and can save you money. The purchase price will be much lower; therefore, your payments will be lower than that of a new car. 

If you do buy a used car, make sure you use resources like Instavin to thoroughly do your research by looking up the vehicle history and getting a title report.

Bundle your Policies

You can really tighten your budget by combining your insurance policies. You can bundle your car insurance, home insurance, and health insurance. Find an insurance company that will allow you to purchase a policy that will cover all of your insurance needs. This will definitely help you save money.

No one enjoys having to cut back and it takes much discipline to accomplish tightening your budget. However, it can be done. By tightening your budget you will give yourself financial freedom and reduce the stress in your life. You will then be able to use the extra money for whatever you choose.


How an Online Master's Degree Can Ease the Financial Burdens of Single Parents

Posted on Sep 22, 2016 with No comments
Being a single parent is tough as you are responsible for both raising your child and providing for its needs. In many cases, it requires either finding work that comes with flexible hours or paying for expensive day care services. How could obtaining a master's degree online ease this burden?

Open Doors to Better Job Opportunities

The most obvious benefit to a master’s degree online education is that it can improve the job prospects of a single parent. Even if that parent needs to work during the day, an increase in salary could offset the cost of daycare. In some cases, companies are willing to provide daycare for free or allow employees to work from home to help achieve a better work/life balance.

Full-Time Jobs Offer Steadier Salaries

While you may be able to make ends meet on a part-time hourly wage, you never know how many hours you will get in a given week. When you are on a full-time salary, you know how much you will make and how often you get paid. 

This makes it easier to create meal plans, figure out when to pay bills and even save for your child's college fund. In addition to your paycheck, you may also receive health benefits for yourself and your child, which makes it easier to cover the cost of doctor's visits, dental care or emergency health issues.

Start a Job Before You Finish Your Online Degree Program

In some cases, you may be allowed to start a job before you finish your online degree program as long as you can show that you are going to finish soon. This may allow you to get the paycheck and benefits that you want or need without sacrificing your ability to finish your degree. 

As you are taking classes online, you can move anywhere in the country to accept a position, which provides a greater degree of flexibility as you look for the right opportunity to advance your career. Your employer may even be willing to pay for some or all of your college to allow you more money to provide for your child's needs.

For a parent, there is no greater priority than providing for his or her child. Getting an education can make it easier to get a position with long-term benefits and a stable income. Taking your classes online makes it easier to get the degree necessary to find that work in the first place.


Starting a Business? Steps for Opening a Bank Account That Requires an EIN

Posted on Sep 18, 2016 with No comments
When it comes to being able to apply for an EIN, you need to find out the steps required to open an account that needs you to have one. When you’re a company and you need a bank account, then this is the best way to go about it. You have to make sure that you follow through with all of the steps to get the best possible outcome. Additionally, you can make sure to file for the EIN to open the account.

The Steps You Should Follow for an EIN and Bank Account

When it comes to having a bank account for your company, you’re likely going to need a valid EIN. This means you have to apply for an EIN through the IRS website ( 

This can be done when you register your account with them. You just have to give them your company’s information first, so that they can provide you with an EIN.

After you apply for a federal tax id number, you then can bring this number and your company information to the bank. This is where they can then open your account by using the EIN that you gave them. 

This can then be connected to the IRS when it comes to tax time and identified through the use of the number that was assigned to you and to the company’s account through the bank of your choice.


This is a great way to keep everything together in one place when the time comes. It is also a great way to keep track of the records that you need come tax time. 

Unlike other companies that have a hard time with their incoming and outgoing spending and payments, you’re able to have them in one place within a bank that communicates with the IRS website when you file for taxes.


5 Tips For Saving Money in College

Posted on Aug 31, 2016 with No comments

College is known for being expensive. In fact, according to The College Board, a "moderate" budget for a student who attended an in-state public college in the 2015-2016 school year was approximately $24,061.

If you are on a tight budget or want to avoid going into unnecessary debt while attending something like a MPA program consider these five helpful tips for saving money in college.

Learn to Prepare Your Own Food

First of all, you should consider skipping all of the dinners out by preparing your own food. Not only can be it be cheaper, but it can be healthier and tastier, too. 

There are lots of simple meals that you can prepare in your apartment or even that you can prepare in a dorm room that can save you money, help prevent the weight gain that can be so common for college students and provide you with better nutrition, too.

Have Roommates

If you are planning on living off-campus, it is a good idea to live with roommates. Even though you might have to worry about the occasional arguments about the dishes, having someone -- or several people -- to split the bills with can help you save a lot of money. 

Plus, it can be safer and more fun to have people to share your apartment with, too.

Consider Ditching the Car

Unless you really need it, consider leaving your car at home with your parents and cancelling your car insurance temporarily, if you can. Many colleges offer free transportation for students, or you can carpool with others students. 

A lot of campuses make it easy to walk from place to place, too, which can be good for your health and can save you a lot of cash.

Skip the Spring Break and Summer Vacations

Even though you might like the idea of going to Mexico or some other exciting destination for spring break or over the summer, it can be best to skip these pricey trips. 

Instead, consider a day trip to a local beach or lake or to another fun nearby place to save money and still have a good time. That way you can make sure that you have enough money to pay tuition.

Take Online Classes

In some cases, taking online classes and living at home or in a more affordable area can save you money. Plus, it can allow you to have a more flexible schedule, which can make it easier for you to work more hours at your job, too. It is definitely worth looking into.

As you can see, there are a few ways that you can save money in college. Give these tips a try to stick to your college budget or to avoid doing in unnecessary debt. Believe it or not, it is actually possible to save money in college.


Get Ideas About the Training Required for Medical Coding

Posted on with No comments

This is quite true that the health care industry is growing dramatically and if you get deeper into its related professions you can notice the popularity of medical coding. Medical reports written by physicians are often tough for us to understand. 

Medical coder makes this job uncomplicated. They interpret this into the simple and descriptive terms and this task is quite helpful for billing purposes. These professionals interpret this in the exact way to ensure that the insurance payers understand the claim and the probability of rejection of claim may decrease.

Proficiency required for a successful coder:

This profession offers opportunity for gaining specialized knowledge on the preferred sections. Some coders specialize in interpreting the terms of cardiology, emergency, anesthesia or any other service related to this health care profession.

  • They should be efficient in adjusting claims for exact medical coding for diagnoses or other related jobs.
  • The coders should have sound knowledge on the coding rules and regulations. 
  • A well-trained professional can better handle these issues like claim denial, charge capture and bundling issues.
  • Knowledge of physiology, anatomy and appropriate medical terminology required to provide correct code.

Training required for this:

Without proper training this crucial job never can be done efficiently. American Academy of Professional Coders, popularly known as AAPC is that organization that has fixed a set of standard trainings required for getting entry into this profession. 

They provide certification along with proper training to the physician based medical coders. Certification always demonstrates a professional’s working ability to support a transparent claim submission, fewer rejections, faster reimbursement and also to run the practice in a better way. But a solid training is required to pass the AAPC certification program.

​Medical coding training:

AAPC training course for medical coding teaches the fundamental of this job. They prepare the students for this certification program and assist them to get success as a medical coder. Both online mode and classroom training mode are available for enjoying this training.

Online training:

Here are some advantages that you can get through online training:

  • You can enjoy your training in the comfort of your home or office at your own pace and at any time you prefer.
  • Experienced AAPC certified trainers are available to assist you through the training program.
  • Training directly from the source of AAPC that you can trust.
  • This can increase your chances of being retained in the highly competitive job market.
  • Through online training you can avoid the cost of a traditional university.

Classroom training:

The AAPC’s classroom training program is designed to offer their students a hands-off training on this course. Here you can enjoy direct instruction from the expert professionals and get ideas about the real-world medical cases.

Necessary training to clear AAPC program:

To become a certified professional coder avails your AAPC training from an experienced source. Only an expert training center can offer you the required knowledge to pass the certification program in the first chance. So, if you like to have a bright future in this profession, be careful in this selection process of a training source.


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