No Teletrack Loans – Instant Cash For Bad Credit People

Put this way, no teletrack loans are a boon for people who have bad credit history and face a financial emergency. Teletrack is a system used to check the borrower’s checking account and credit history. The system usually exposes your bad credit history, including bankruptcy and outstanding checks against current loans, etc. Fortunately, there are many loan companies who do not use teletrack as part of their requirements to giving you a loan. These companies offer cash loan until payday, meaning that you will get cash advance and simply return it when you receive your next pay.

The loans are called payday loans or cash advances. They are short-terms loans and usually range between $100 and $1000 for the duration of two weeks or more. These companies do not feel the need to verify information provided by the prospective borrowers in term of their credit history as they will mainly check your employment to ensure that you have regular income deposited into your bank account.

How to Apply for a No Teletrack Loan?

The easiest way is to go to a payday lender’s website. If they don’t say anything about teletrack usually they do not bother checking your account with that system. You will then simply complete the application form online with some basic personal information, employment details, and your bank account information. Once submitted, a loan officer will do verification by either contacting you directly or checking your details with your employer.

These days, you can be sure that you would not need to fax any document when submitting a payday loan application online. To improve the speed in loan processing, payday lenders have been able to cut-off the need of checking paperwork manually, which otherwise creates much hassles from your end to submit documents through fax.

After approval, the funds are transferred to your checking or savings account directly the next day or even the same day as you submit the application. The loan repayment is also simply. On the due date, the lender will take the loaned amount plus fees automatically out of your bank account. You just to make sure that the funds are available that day to be deducted as otherwise it will cause an overdraft for you.

Instant Solution with No Teletrack Loans

Whatever may be your income, a payday loan would meet your expenditure requirements and short tern financial needs. After you have gone through the existing loan programs of different cash advance lenders you can go for the one which offers you the best loan amount at a discounted rate.

Online Smoke Shop – Electronic Cigarettes

Electronic Cigarettes have been starting to be more and more accepted over the months primarily present in Online Smoke Shop’s and certainly I would say the smoking crowd. The ban on cigarettes in many venues has done nothing but make it possible to thrust this unique advancement. Electronics cigarets also named smokeless cigarette, or e-cigarette. Are purchasable in more or less every Online Smoke Shop! Not like with an original cigarette individuals are now capable to smoke in Stores, Dining locations, and even Planes!
Anybody is now able to smoke in the open with out suffering from worries about inflicting harm on folks due to second hand smoke.

The number one reason smokers seem to be discovering a relatively easy change over to an e cigarette is without question due to the actuality of exactly how authentic it in fact feels. You gain the very exact felling as a regular cigarette with out all the unsafe effects, While always fulfilling one’s tobacco craving. When you inhale the vapor of your electronic cigarette you can actually feel your lungs fill up with what fells like tobacco smoke. The smoke given off is in fact a water vapor that replicates the smoke you would achieve from a traditional cigarette. The best part of this is the minute you exhale all that smoke quickly evaporates making sure to leave no trace of tobacco. However you will still be getting that nicotine fix you desire.

The way your electronic cigarette actually operates rests within the inhaling process. Unlike with a typical cigarette there is in no way a need for a lighter, or matches for that matter once you inhale on your electronic cigarette you initialize a flow sensor, that then generates the discharge for water vapor. The vapor includes nicotine, propylene glycol, and a scent that in fact simulates the flavor of tobacco. This particularly signifies that you are still able to achieve that nicotine fix you have always been in need of while definitely not taking in all the health consequence true cigarets give off. Including Formaldehyde and 4,000 other harmful chemicals which in fact are in each single cigarette you place to your lips. To name a few more that you would be much more familiar with.

Ammonia
Acetone
Carbon Monoxide
Arsenic

In most cases the only thing that could very well be looked down upon by using electronic cigarettes is a chemical known as Propylene Glycol. This Has become the chemical that renders it possible for the liquid nicotine to be able to transform into a water vapor making it possible to inhale.This chemical is however given approval by the Food drug administration in several other types of materials. A great deal more of investigation is in fact still in progress as to whether this is okay to be an inhalant nonetheless previous investigation indicates no negative side effects.
You can easily select distinctive levels of nicotine in an Online Smoke Shop for your electronic cigarette. Your nicotine cartridges are available in a variety of flavors as well as strengths. You can order Regular, Menthol, even Watermelon, and Cherry flavored cartridges. The nicotine strengths are available in Full, Medium, Light, and None you cannot go wrong utilizing an electronic cigarette even more so if your seeking to develop to be a lot more healthy and continuing achieve that nicotine fix you have to have day in and day out!

Comparison Car Rental Websites

The World Wide Web, or internet, is by far the most revolutionary invention mankind has come up with. There is an unlimited amount of information available to us with just a few key strokes. Car hire is included in this. We can now compare rates from the major car hire companies instantly. The good thing about this is that the companies are aware that clients can check. This keeps them more competitive and we reap the benefits with cheaper car hire.

With the internet however it does reduce our power to bargain with the companies as they already have the cheaper rates on the website. So the bargaining is already done and it doesn’t matter if you have a provider you prefer. You can still use the internet to get the best price from that branch, if it is more convenient. Whatever the reason, this extra information is good for us.

You can now find the best deals on car hire where ever you are in the world by using a comparison site. No need to spend your valuable time looking for local car operators numbers and spending hours on the phone talking sometimes to someone who may not speak your language. A comparison site will use software that taps into the National Companies live systems and will display the available cars and prices for you to choose from. Bottom line is that you will save money and time.

These comparison sites are ever evolving, working to make the process of booking car hire as streamlined as possible. The site will be easy to navigate providing all the information you need to complete the booking as well as offer you the ability to select any optional extras that may be required during your car rental. These may include Satellite Navigation (GPS), baby seats, additional driver and excess reduction, reducing your liability in the event of any accident. All the information is available at your fingertips, so be sure to read the Terms and Conditions applicable to the car you are planning to hire.

The global economic climate has not stopped travelers from taking their scheduled holidays. Some travelers are shortening the holiday, but overall with the airlines competing with cheap airfares people are still moving around and enjoying travel. You may find car hire rates a little cheaper due to competition and by far the best place to shop is on line for the best deals. Book early for car hire. Don’t expect to show up at a popular airport and get a bargain. You’re there, you need a car, they have the car and you will need to have the money and drivers license. So it will not be cheap. Book well before leaving home and have your confirmation with you on arrival. Remember if you are traveling during peak seasons, you will pay more for car hire, and everything else for that matter. See you somewhere in the great outdoors. Save travels everyone!

Best 2012 Halloween Costumes for Boys

If you are looking for the best 2012 Halloween costumes for boys, we have some ideas for you to get started. Depending on the age of the child, you are going to most likely want to get some input from them on what they want to be – unless they’re a baby, of course. In all seriousness, involving the child in the process of picking a suitable Halloween costume can go a long way in making sure they have a lot of fun on the big night, which is what it’s all about – not to mention the candy.

  • Spiderman Costumes – The Amazing Spiderman was big this year, and as in years past, you can expect many boys to want to become the wisecracking Spidey. The good news is that there are quite a few great – and relatively cheap – Spiderman costumes available.
  • Batman Costumes – Another Superhero that’s huge again this year is Batman. As with Spiderman, the popularity of this costume means there are going to be a lot of different options for you as a parent. From simple plastic outfits to complex costumes with a separate Batman mask and accessories, there’s something for every budget.
  • Historical Costumes – Not every boy is going to want to use a historical figure for a Halloween costume, but this can be great in many different ways. For one, not a lot of other kids are going to have the same costume most likely if you go with a George Washington, Ben Franklin or some other historic figure – Caesar anyone?
  • Homemade Costumes – If you are on a budget or just like to be creative and spend quality creative time with your children, homemade costumes for Halloween can be a great idea. You just want to make sure you involve the boy in every step of the process so he is happy with the outcome and will want to wear it on Halloween night!
  • Soldier Costumes – This is one that is relatively easy to put together cheaply. A little camo and some other accessories – no guns! – and you can have a great looking solider whether it’s a sailor or someone in the airforce or marines. Camo face paint really puts the final touches on this great costume idea.
  • Fireman Costume – Being a civil servant or first responder like a fireman on Halloween is a lot of fun and may be an indication of a future career path for your little one. There are a lot of great accessories you can get to make your costume really stand out from all the others. Don’t forget the cute fireman’s hat and boots!

After you choose which costume you want, it’s all about saving money. Next, we have some tips to make sure you get the most for your money when buying a boy’s Halloween costume this year.

  • Shop Early – One of the best things you can do is shop early. If you were thinking smart last year, you bought your costumes a day after Halloween when they went on sale. Even if you didn’t do this, the earlier you start shopping – even during the final summer months – the more you are going to be able to look around and find the absolute best price.
  • Shop Online – Speaking of finding the best price, another great idea is to make sure you do most of your shopping online. While there’s nothing more fun than taking a kid (or five) to a Halloween costume shop (sarcasm!), there’s something to be said about shopping for a costume online. It’s easy, safe and convenient – and you can save money too.
  • Read Reviews – Finally, you are going to want to make sure you read reviews of the various costumes before you get out your credit card and make any purchases. There are quite a few places you can read reviews these days, but you should find a website you trust and stick with them and their recommendations for the best Halloween costumes for boys in 2012.

Halloween is all about having fun and being able to dress up and score a lot of candy. Picking out the costume should not be stressful or a headache! The sooner you start shopping for a Halloween costume, the sooner you’re going to be able to relax and just enjoy the holidays.

Online Savings – 10 ways to save money this week

They want to save money, without all your time? ‘re In the right place. Save time and money with these links. Here are ten things you can do to save money right now.

1. Add online savings groups. There are hundreds of online forums, in conjunction with others who want to save. Have links to printable coupons for free, saving newsletters, sales and market knowledge and time.

2. Start clipping coupons. Yes, couponsback. The bond that producers of an economy in decline. You want to continue using their products to consumers and to keep the scoring head.

3. Shop with coupons. Several retail chains have special clothing coupons that are good for now slow. Many of them are in the morning or afternoon to work on weekends, so that consumers can also take advantage of discounts.

4. Do not buy! If you think you want something, you take the time to decide whetheror not.

If you wait 24 hours and still want an item, then buy. You’ll probably forget all about this cute pink blouse, as the day goes.

5. No food. You can save $ 50 – $ 100 a week from packing lunch or dinner in the country. There are some free sites that offer excellent food ad budget.

6. Bill to pay online to save postage. Almost all banks and utilities are free payment options online.

7. Start the revocation orSubscriptions do not use anymore.

8. Check your wireless plan. Most companies offer a change of provider that you save money. When not at the moment, you can get $ 30 a month, except in the case of a revision of its package of mobile telephony.

9. Parking. If you really do not need to make additional trips.

We are so conditioned to jump in the car and ran. Shopping Group tours and shopping in one day. Save time andMoney.

10. Keep a list of all the goods or services costing more than $ 10, you must buy this week. Check the list twice, if you really need to online billing to see if the manufacturer does not offer discounts or coupons before you buy.

Think Before You Shop for Cheap Jeweleries

Researches have suggested that cheap jeweleries can be a nightmare! Fashion frenzy crowd love to flaunt matching jeweleries to add oodles to the unique style statement. It really works, but not always. Many women wearing cheap fashion jeweleries complain about painful red swelling and blisters. Even accessories such as belt buckle may cause allergy to the sensitive skin.

The research community claims that the main reason behind the allergic reaction is the nickel content of the base alloy used for making these jeweleries. Nickel has an affinity for particular immune-system protein, which functions to detect harmful invaders. When nickel comes in contact with these proteins,  it identifies them as an infectious agent and triggers allergic reaction.

In susceptible people, the immune system goes into overdrive. This produces various symptoms such as burning, itching, redness, swelling and blisters.

The advise is to take nickel allergy seriously as it considered to be a major health hazard. So, next time you go for shopping think before you purchase designer jeweleries. If you are looking for something that is affordable and stylish as well, consider silver or sterling silver jeweleries. The assortment of studded silver jewelery are available in spectrum of designs with colorful beads. You can always find a perfect match for your attires.

Even for new piercings, sterling silver jeweleries are considered to be safe. However, it should not be worn on mouth or areas where the skin is moist. So stay stylish but always be conscious, when you make your choice.  

Finding the Right Travel Nursing Placement Agency

Travel nursing is becoming one of our nation’s fastest growing professions, and it’s no surprise. If you love seeing new places and enjoy exciting new experiences that evoke the feeling of taking an extended vacation, then the career of a traveling nurse might be just what the doctor ordered! Travel nursing enables many people to stay on vacation for two to six months in free luxury accommodations while earning high hourly wages at the same time.

Yet despite all these advantages, many nurses describe to me that they’ve shied away from the traveling profession. Why? Because bad experiences with placement agencies have left them with nothing but a negative impression. They’ve been underpaid or lacked benefits, and I can’t tell you how many nurses have complained to me about inadequate housing or recruiters who were unkind, uncaring, and just plain unavailable. The sad result is that nurses end up jumping from one agency to the next, always in search of the perfect package that’s never there.

In this light, choosing the right staffing agency requires a nurse to consider everything that is offered. Some nurses emphasize pay as their top priority. Others require an excellent benefits package. Many travel RNs are location-specific and want to experience the lifestyle in the country’s hot spots. Career flexibility is often a pivotal factor, along with customer service. The bottom line is, your agency choice depends largely upon one of the four following criteria.

SALARY

No question about it, there are some agencies that offer more money than others. So the first thing to remember is that agencies may base salaries upon things like location availability, need-to-fill assignments, and cost of living.

Some agencies must offer noticeably higher rates if they expect to fill certain assignments where nurse-to-patient ratios are very low, or where a facility has extreme patient needs. If you’re a nurse who is attracted by very high dollars, be alert for a potentially desperate situation you might be entering, and the workload it could bring. You may make more money, but you’ll earn every dollar and more.

Location also factors into salary. The California bay area and many larger east coast cities definitely offer more lucrative pay rates. It’s also much more expensive to live in those places, so recognize the relationship that exists between salary dollars and cost of living. I’ve seen nurses return from Hawaii saying they had a great vacation and made a lot of friends–but their purses were lighter, not heavier from the experience. You might get less money in an exotic location and come back with more money from a not-so-exotic location. My point is, your criteria will determine your priorities.

BENEFITS

What some companies may lack in salary, they make up for with benefits. Many agencies offer benefits programs that revolve around monetary bonuses or discounted luxury housing; and I have even observed a trend with several newer companies that offer entirely free housing to all their nurses. Take note, however, that those agencies may not ante up the really high salaries. It’s a trade-off, so they compensate you with benefits to save you daily, monthly, and annual expenses. Every nurse should be aware of what benefits they need the most, and then ask their recruiters to assist in developing a package that is tailored to their individual needs.

CUSTOMER SERVICE

To many traveling nurses, customer service and aid are the most important attributes a placement agency possesses. If you called ten agencies and only talked with one live recruiter, it’s probably best to narrow it down to the agency where individual placement specialists were easily available. After all, if you’re ready to proceed with a new assignment you’ll want an agency that can make it happen fast and has recruiters available who already understand your criteria. In fact, your criteria may change from one assignment to another, so customer service is paramount. Determine what you want and then find out which agencies can make it happen.

FEATURED LOCATIONS AND HOT SPOTS

While for some nurses, salary, benefits, and career flexibility might be the number-one interest, many others just want the obvious–to travel and see the world. If you’re an adventurer who cares more about the travel experience than the money, then you’ll need an agency that can offer you the locations you want.

Not every agency can send you just anywhere. Figure out where you want to go, and then call around to discover who can send you there.

A travel nursing career is absolutely one of the best, most rewarding choices any nurse can make, but it’s important to select a company who will partner with you every step of the way. Before you jump in, do your homework and research all the best placement agencies. Finding the agency that fits your unique wants and needs will drastically increase your chances of success and happiness in your career.

Home Based Business Trends In A Fragile Economy

Home based businesses are many with some that are truly legitimate and others that are out to put a deep hole in your wallet. With today’s fragile economy, millions of people out of work and a shrinking middle class, there are those of us seeking ways to increase our financial means to make ends meet or to simply keep food on the table for our families. I’ve been a victim of the scams and have invested hundreds (if not thousands) of dollars seeking out the latest home business trend. But I have also learned a lot along the way and have acquired some tools to success that I would like to share with you to avoid any pitfalls you may experience in your search for the right opportunity.

#1. Product. You need to choose a product that literally most everyone needs. Think long and hard about this. Not everyone needs or likes healthy chocolate (I personally know someone who is allergic to it). The market is also flooded with many nutrition supplements claiming to be the next big trend. There is liquid form, pill form, shake form, juice form, etc. So which do you choose? Not to mention the expense and investment in such a venture. Don’t get me wrong. There are many fine health and wellness opportunities out there but they require a large financial commitment and again isn’t necessarily something most everyone wants or needs (we are in fact one of the most obese nations in the global market). Consider something such as cell phones. Nearly everyone has them everywhere you look and nearly everyone needs them. Even my 10 year old son is begging me to get him one since many of his friends already have them. The cell phone industry is exploding and more and more companies are popping up on the market.

#2. Affordability. As I mentioned earlier there are many legitimate home based business opportunities but they require a large financial commitment on your part and with a fragile economy this just isn’t an option. So along with the right product you need to have the right price. Opportunities that are too inexpensive (such as an opportunity for only $97) require hundreds of people in your downline just to make a few hundred dollars. Home based business opportunities that are too expensive are simply that-cost prohibitive and you don’t stand a chance at seeing a return (such as those opportunities that cost $1995-$3995). I’ve found that the latest legitimate home based business trends are priced between $300-$500. These are reasonably affordable even in a fragile economy and can get you up and running in no time. It will have you seeing a return on this investment within a few weeks to a few months.

#3. Team. I can’t stress enough how important it is to have a strong support system in place. Too often we are left to fend for ourselves after signing on with an opportunity and spend months trying to figure everything out ultimately ending in failure. A duplicatable, automated selling process, turn-key system that can run on auto pilot is vital to being successful with a home based business opportunity. These duplicatable systems can be achieved through websites and lead capture pages (which are generated by the company and given to each of their reps to build their business), DVDs explaining the opportunity and most importantly a way to market your business through offline methods (such as postcards and sales letters) in addition to online methods such as pay per clicks or cost per clicks. There are other online methods such as blogs, social media, articles and more but these systems are not easily duplicatable by everyone and requires a great deal of research, practice and trial and error to be successful with these methods. With the flood of online advertising, offline old-school mailbox methods such as postcards promoting an opportunity are becoming the trend among home based businesses.

#4. Leverage. The fourth and final point is leveraging a powerful system with the right opportunity that allows you to:

1. Make a lot of money

2. Make a lot of money quickly (and I don’t mean within 48 hours-let’s be reasonable here). You could with the right system be making money within a few weeks to a few months.

3. Be able to work from home only a few hours a week on a schedule that YOU decide

4. Have a business working for you even when you are not-translates to a 100% automated sales process from the moment your prospect sees your offer. This means:

-No personal selling
-No phone calls
-No hotel meetings
-No emails
-No sharing with friends and family

There is a lot to consider when seeking out the next home business trend. What I can tell you is from my experience, by using the tips I have mentioned as tools for researching and crafting a home business opportunity that’s right for you, it will greatly increase your chances for success.

Best Ways to Prospect in Commercial Real Estate Today

The prospecting process in commercial real estate is a daily event or at least it should be for every salesperson. There are four ways to contact your prospects, and whilst I will explain of those four strategies here, only two of them are highly successful.

When you understand and appreciate the value of the two best prospecting methods, you can convert more commercial real estate business opportunity and listings in your local market. The other two methods in the main are a waste of time and effort.

So here are the four methods of prospecting that you can use. They can be mixed or combined as the case may be. As only two of them will be highly successful, I will define those two at the end of the article.

  1. Sending an e-mail to a prospect regards your services and commercial real estate activity is easy and convenient. Many agents do this on a regular daily basis. You can combine with the e-mail relevant attachments and information regards the local property market and property types available for sale or lease.
  2. The traditional direct mail approach still occurs today although less frequently. To send direct mail, you need to have the necessary contact details of the people concerned. Generic mail without personally addressed correspondence is a waste of time. If you are sending direct mail, make sure you understand the correct title and name of the relative person.
  3. The telephone is a very convenient method of contact when it comes to prospecting for new business. The rejection factor or ratio in cold calling activities is rather high although this should not put you off the process.
  4. Dropping into a business or a local address to introduce yourself as the commercial real estate expert should happen on a daily basis. You can do this on a street by street basis. Identify the local businesses in each street and then visit five of them each day. Leave your business card as part of the process. You ask them questions regards their property needs, or property usage, and if they are a tenant or an owner.

So, two of the above items are far more successful than the others. Most particularly they are the use of the telephone and dropping into the local businesses. These activities should occur daily as they will strengthen your market share very quickly.

It should be noted that the direct mail approach is still highly effective although you should always follow up the letter with a telephone call. Direct mail without follow-up is a waste of money.

The most convenient and yet less effective way of marketing today is the email process. Most business people get many emails on a daily basis and therefore will be inclined to delete unnecessary emails that are of general information. If you are going to implement the email process as part of your marketing model, make sure you have the consent of the person concerned so that you can personalise the process. As regularly as possible, make sure you follow the emails are up with a telephone call.

High Cost of Healthcare Induced By Contradictory Goals of Providers and Payers

Healthcare has been the topic of debate for most of the last few years. From the boardroom to the water cooler, costs and quality of care are hot topics that impact everyone in this country. Young and old, Americans are feeling the squeeze and most are finding it difficult to come up with solutions. In the boardrooms of corporations both large and small, employers are struggling to cope with reality of rising premiums and declining benefits. Meanwhile employees are left with the prospect of going without health insurance. Currently it is estimated that 50 to 60 million adults in this country are walking the tightrope of living without health insurance. With such widespread reach for ripples created by this healthcare debacle, everyone is looking for answers. How can we afford coverage? Can we go without? What can be done to curb the costs and get this problem under control?

In the workplace, employers and employees often feel as if they’re on opposite sides of the fence. Employers feel as if their subordinates take no consideration of how difficult it can be to turn a profit while facing spiraling costs and a difficult economic environment. While large corporations may be able to ride out the storm, small businesses rarely have this luxury (especially at a time when credit is difficult to obtain). Most small businesses would close their doors if the balance sheet goes in the red for more than a few months or quarters. On the other hand, employees often adopt a near-sighted approach. How could they expect me to afford a premium increase? Should I just try to float without insurance for a while? These questions often lead to resentment on both sides of the coin, but are the employers or employees to take the blame and the higher cost?

Looking for answers to this growing problem is not easy. Where did the system go wrong? Why is it so expensive? Who’s to blame?

Many people blame healthcare providers for the rising costs of quality care. I can assure you this is not the case. Providers are facing a myriad of challenges and roadblocks. More so than ever, running a profitable medical practice is daunting task. Like any other business, a medical practice will close if it can not cover expenses and afford to pay salaries. Labor and leasing expenses are only the tip of the iceberg. Practitioners are forced to pay for equipment, insurance, hardware, software, licensing, and more. After establishing an office with all the appropriate resources, medical practices and hospitals must then attract patients in a very competitive marketplace.

Yet with all these costs and challenges in their way, healthcare providers are not complaining about patients or labor or costs! The largest problem facing healthcare providers is the insurance reimbursement process. Contradictory goals of payers and providers are resulting in inefficient and difficult payment systems. Insurance companies are more concerned with bottom-line profits and shareholders than they are about the care their members receive. How can we expect doctors and healthcare providers to keep their offices open if they can hardly get paid for the services they perform? Individuals believe that because they pay premiums, the insurance company will pay their doctor. Unfortunately, this is hardly the case. Health insurance claim denial rates can reach as high as 25% or more. Many providers have outstanding receivables measured in the millions of dollars. The insurance reimbursement process is so arduous that many medical practices never get paid and as a result close their doors forever.

Insurance companies use a wide variety of tactics to delay payments and deny claims. Payers employ hoards of representatives charged with the task of fielding calls and scrutinizing claims. Due to these tactics, insurance claims take anywhere from 30 days to more than 1 year to reach a completed status. In most cases claims are delayed and denied due to inconsequential, irrelevant errors. These errors result solely from the many difficult and senseless hoops that are placed in the way of the provider’s billing representatives. This extremely labor intensive process of collecting from insurance companies costs providers a great deal of time and money.

The only beneficiaries of this process are the shareholders of insurance companies. The delays in payments result in interest earned for the time period in which the claim was delayed. In many cases, providers never receive reimbursement for the services they perform. These claims must be written-off as a loss by providers while insurance companies see these cases as victories leaving more cash on their balance sheets. It appears that the primary goal of insurance companies may be to deny as many claims as possible; after all they answer to shareholders not providers or individual policy holders. This gross abuse of power by insurance companies may be the biggest problem we face in the healthcare sector.

The days when doctors sat on golf courses all day while making millions per year are over. Now they must battle insurance companies tooth and nail for every claim. If insurance companies paid doctors for the services they perform, perhaps we would see a reduction in costs related to providing care.

Surely there is no easy fix to this problem. We may find the answers by addressing the goals of big insurance companies. Providing oversight and incentives for paying healthcare providers for the services they perform would be a good start. If insurance companies focus on weeding out fraud rather than just delaying and denying payments, we could see an increase in efficiency and productivity in the healthcare sector that could be the start of controlling costs while maintaining a high standard of care. For the sake of all Americans, hopefully we find an answer soon!