What Leads Certain Senior Care Facilities to Be Successful?

Forward and Honor are startups that are attempting to change how we interact with healthcare, with both initiatives being run by entrepreneurs with no discernible experience in health. Even though this inexperience may be alarming to some, it may be the breath of fresh air that the senior healthcare industry needs to meet the ever-growing demands of a US population who are living longer but are still inundated with health issues.

Honor and Senior Care

Co-founded by entrepreneur Seth Stern berg, Honor seeks to reinvent residential care home facilities, underlining individual autonomy later in life. Honor uses a web and phone application portal to connect homes with potential caregivers, skipping the sometimes-bureaucratic process of attaining help. Not only does it help families connect with caregivers, but a review process also provides feedback to the caregiver, ensuring an authentic partnership and companionship between patient and professional.

Citing the risks of fraud and fragmentation in the healthcare industry, Stern berg’s objective is to provide families with a straightforward, succinct answer to assisted living. This is done by using a series of profiles to allow health professionals and patients the chance to screen each other. Instead of guessing if a professional is allergic to cats or if they are compatible with your family’s schedule, you’ll be able to pinpoint an appropriate professional instantly. Honor pinpoints variables in its server, and the output is comprehensive care right on your phone or computer.

Forward: AI Meets Healthcare

Forward is simply an experience compared to the traditional doctor’s visit. Patients are greeted by a person on an iPad to register visitors, right before they go through a full body scanner to measure parameters that are then outputted into Forward’s AI algorithms. This gathering of parameters makes Forwards AI “smarter”, helping doctors pinpoint symptoms with precision. After an examination, patients are then given a wearable device to measure vitals and relay information to caregivers in real time.

Costs are a reoccurring pain point, especially for retirees or those in advanced age. According to Deportee, the typical co-pay for a visit to a physician is about $25, with costs doubling for specialists. Forward remove the bureaucracy of healthcare and insurance, with a one size fits all price of $149 a month. Even though it may be a bit more expensive, Forward provides more than a traditional doctor’s visit. You will have access to visits whenever you need it, screenings, access to nursing professionals over email, and a wearable device for live monitoring.

Tools implemented by Forward and Honor can be used to break away from availability problems, and simplify the labor cost curve and temper it with the help of technology. It can streamline the day to day activities and transactions in senior care facilities with the aid of technology.

Top reasons to carry out a waste management audit

A waste management audit can simply be defined as the analysis of waste that is generated from a commercial site. This type of an audit has the ability to give a clear understanding about the types of waste and recyclable material that is generated. The information generated by the audit can then be used in order to minimize the waste generated.

Plenty of reasons are available for the companies to use waste management audits. They include:

  • Take better control over waste – With a waste management audit, the construction company will be able to get a clear understanding about how waste is generated. Then they will be able to take better control over waste generation.
  • Ensure credibility – When the construction company follows appropriate measures to minimize waste generation, it is possible for them to provide a better impression on the clients and stakeholders. This can open up new opportunities for the construction companies.
  • Ability to save money – Last but not least, the construction companies will be able to save a considerable amount of money, which was meant to be spent unnecessarily. This can contribute towards the financial sustainability of the company in the long run.

The results obtained from the waste management audit can also be used for a variety of purposes. First of all, it can be used as a baseline measure to forecast the future of a project. For example, a construction company would tend to spend money unnecessarily in order to purchase a lot of resources, which is not needed. With the waste management audit, the company will be able to figure out that purchasing such a large amount of resources is not necessary at all. As a result, the company can move towards reducing the purchase of resources. This can serve as a valuable lesson, which can benefit the company in the long run.

When going through the above mentioned benefits, you would realize that waste management audits should be introduced to all the construction companies that exist out there in the world. If it is integrated to the projects, the companies would be provided with the ability to take their services to a whole new level. The company would be branded as an organization that cares for the environment. Moreover, it can build credibility with stakeholders and clients. That’s because most of the people and organizations that exist out there in the world are concerned about waste generation and they are looking for convenient methods to minimize it. When they come across a construction company, which is equipped with a proven methodology to minimize waste generation, they would tend to select that company without keeping any doubt on mind.

The waste management audits have the ability to play a crucial role behind the overall site waste management plans as well. This can reflect the overall performance of the company.

Is the Rental Market Strangling Hope for Professionals in their 20s?

When is the best time to get on the property ladder by buying your first home? As reported earlier, there has been an uptick in the mortgage market by 0.7%, however, that upturn is not spread around the generations. Those in their 20s and 30s continue to be at their lowest levels ever in terms of homeownership and their highest ever levels for both renting and living with their parents. However, regardless of the difficult conditions, getting on the property ladder in your 20s is still the best option for living independently.

Why the Property Market is Stacked Against the Young

There are a myriad reasons why the homebuying and mortgage markets are stacked against younger professionals. These related primarily to changes in the market after the financial collapse of 2007 and the subsequent foreclosure crisis, changes in investment strategies by the better off, and population growth outstripping the construction of new properties. Each one has put up prices, increased competition, and made rules more difficult. These primarily affect younger people with less savings and fewer assets.


  1. Mortgage Lending: The terms and conditions, lending rates, deposit percentages, and income requirements of prospecting homebuyers changed significantly after the financial and subprime crises a decade ago. However, while the biggest victims were hard working Americans who lost their homes, the next biggest were those who wanted to buy their first property. Suddenly they were faced with larger deposits, higher monthly repayments and other rules which made it more difficult to get in through the door.

  2. Buy to Rent Portfolios: Since the invention of property, be it feudalism or capitalism, living in a place owned by someone else has come with a cost. However, the downturn in home buying has led to a rise in those wanting to rent. This has pushed prices up, which has only been compounded by retirees and investment portfolios buying up properties and converting them into often cramped high cost rental properties. In paying high rents, professionals in their 20s and 30s are wasting $80,000 a decade in rents, which could have put down deposits on two properties at least. In many places and countries this is further compounded by skyhigh letting agent fees just to apply to live somewhere.

  3. Population Outstripping Construction: Most markets work via supply and demand whereby something which is in ready supply costs less than something which is harder to get hold of. It is in the interests of many stakeholders, including homeowners tapping the equity in their properties, to limit construction in order to force up average property prices. The same goes for rents. This is pulling up the ladder once you’re in the attic.


Each element has severely hit professionals in their 20s but combined it has made life even more difficult. As noted above, this has led to people renting in order to move away from home, but the rental market makes it next to impossible to save for the higher deposits required for a house. On a macro level, it is obvious that governments and companies should build more homes, make it harder to snap up all the properties to rent out at high prices, and develop mechanisms for making buying a first home easier. For professionals in their 20s, they need to avoid falling into the rental trap, and work hard to find innovative ways to get onto the property ladder.

How Conditions are Improving in the Mortgage Market

If you have damaged credit and have been patiently waiting for an improvement in the mortgage market before applying for a home loan, now may be the right time to act on plans to begin the home mortgage process. After the economic crash in 2008, the mortgage lending guidelines tightened considerably in the United States. While interest rates plunged to near record lows that held steady in 2008, 2009 and beyond, mortgage lending guidelines were so tight that many people could not qualify for a mortgage.

A Closer Look at the Mortgage Industry Today

Over the past few months, residential mortgage rates for a 30-year fixed rate mortgage have inched upward by approximately 0.75 percent. This trend is projected to continue in the coming year as the economy continues to improve. With this in mind, now may be a great time to lock in a still-low interest rate. More than that, the number of mortgage defaults over the last four months of 2016 have declined slightly, indicating that the mortgage industry is strengthening. In addition, while lending parameters are still not as loose as they were in 2008, there are now more opportunities available for individuals with a blemished credit history.

Improving Your Credit Rating

While a blemished credit history may be acceptable with some lenders now, most lenders will still shy away from extending a loan to you if you have substantial issues with your credit. For example, if you have recent late payments on debt accounts, unpaid collection accounts and more, you may still find it challenging to get a loan.

It is wise to get your financial house in order before you apply for a mortgage. This means not only changing your practices in the future, but also finding a worthy credit repair solution to fix past mistakes. Establish a regular history of making payments on time to prove to a mortgage company that you are creditworthy. If you have outstanding collection accounts or other debts, pay these off. Bring all accounts to good standing.

Applying for a mortgage is the first step to take to living the American dream of being a homeowner. However, poor credit is a hurdle that many future homeowners must jump over before being approved for a mortgage. While it is now getting easier to qualify for a mortgage with blemished credit, some effort needs to be made to clean up a truly poor credit rating. By making the effort to do so starting today, you may soon find yourself getting the loan approval you desire.

Top 7 Tips for a frugal fun Christmas

Christmas is very expensive because people put themselves under serious pressure to buy more and more expensive gifts for their families and friends, trying to outdo one another. Most gifts are given as an obligation rather than real joy. The exchange of gifts to family members, friends and acquaintances may create a real challenge in your wallet and leave you feeling financially bitter after the event. Why can’t you give your wallet a break this Christmas season? Frugal does not mean you give up the fun aspect of Christmas, it simply means looking for options that can realise the same results without eliminating the fun. If you are willing to save money this Christmas, here are some of the top 7 tips for a frugal fun Christmas.

1. Prepare a Christmas budget

Sit down with either your family or friends to decide on the things you need for the Christmas celebration. Always remember all-important money mantras when buying: if you are about to buy, ask yourself can you afford it, will you use it and is it worth if you decide to buy it? If one of your answers to these questions is no, don’t buy it. Impulse buying is one of the biggest problems resulting into overspending. So, it is important to prepare a budget before you get out shopping for Christmas.

2. Reduce the number of gifts you buy

Regardless of how great gift you buy, once you buy lots gifts, you will hit a wall of diminishing returns. This is because some of the gifts won’t be received with much enthusiasm and will easily be tossed aside. So, focus on three or four quality gifts instead of piling lots of unnecessary gifts. As a parent, if you focus on this tactic, you will be able to give very memorable Christmas gifts to your kids within a budget.

3. Decorate Christmas tree naturally

Make almost everything on your Christmas tree naturally and edible, from lights to sentimental ornaments. It is pretty inexpensive as virtually everything is edible or can naturally be composted or recycled. This makes a beautiful tree that has extra meaning since it synonymously reflects your values.

4. Use homemade decoration and treats

Look for cheap yet awesome decoration ideas, when it comes to do-it-yourself projects. Around the Christmas holiday, you will find hundreds of ideas for cheap and beautiful decorating ideas you can undertake yourself: even if you are not good at doing such stuffs. Besides, it is more fun to make Christmas treats with your kids on a Saturday before Christmas. It will cut you the cost of buying expensive treats from the mall or selected shops.

5. Eliminate superfluous expenses

All Christmas gifts do not need a bow or expensive packaging. Do gift bags have expensive decorations on them? Eliminate the embellishments and rationalise your gift wrapping. Actually, most of these packaging ends up in the dustbin, anyway. A frugal Christmas is still a Christmas!

6. Free public events

It is a common knowledge that Christmas is family time, but one of the greatest ways to spend that time together as a family is to attend a public event. Although most public events charge some admission fees, it is important to know where to go. Christmas is a great day for events: drama, theatre, Christmas light displays and a lot of live shows. Some of these shows are free, while others cost a few pounds for a seat. Either way, it is much cheaper than hosting similar events for your family and friends. Do some research to find a bunch of cool Christmas event that your family or friends will enjoy.

7. Drop perfectionism

The fact that you can define your ideal Christmas, making choices and taking actions to bring that into reality isn’t about making the celebration perfect. It is simply about living your Christmas life they way you want. If you are true to yourself, feeling more peaceful, joyful and contented, then you love the Christmas celebration. Perfectionism may seem more realistic at Christmas and adds extra pressure, but what if the event is not perfect? The day won’t end. Just like the CMC Markets, if you find yourself going towards perfectionism, think twice. You might spend more during the holiday season and struggle when new year begins. Live your Christmas celebration according to what is important, not perfectionism.

What You Must Know Before You Start Investing

Look before you leap. That’s an admonishment many a mother has given to her children. That’s a solid bit of advice that we should all apply to our life’s endeavors, especially those involving our money.

Before you start investing your money or giving it over to others to invest for you, make certain you’ve looked into the realm in which you’re about to leap. You need a strong foundation of knowledge in investing so you can make informed decisions rather than leaping into something you know nothing about.

Read, and then read some more

Most of us are woefully uninformed about the workings of economics. But you can’t set realistic, profitable goals for your investments if you don’t know anything about investing. Take the time to read up on the subject.

Start with investment articles that are easily found on the internet. Basic economic concepts such as supply and demand don’t have to be abstract theorems that mean nothing. With a bit of effort, these terms can become part of a base of knowledge that you use to grow your money through your investments.

You should advance your self-education to include investment books. When you’ve armed yourself with a solid foundation in the basics of economics, money management and investing, then you’ll be ready to leap into the markets without a fear of the unknown.

Play the game

One of the best ways to learn is through doing. Before you put your money at risk, play around with the stock market on paper only. Pick a company or two that you want to follow for a bit. Follow the price of their stocks on a daily basis and check financial publications for company news. Research the company’s history through their quarterly earnings announcements. If you see the price of the stock go up or down by more than 5 percent, find out what influenced the growth or loss in the company.

Once you’ve gotten a feel for how the buying and selling of stocks works, then expand your imaginary investments to other companies. You’ll want to work your way up to building a portfolio in your make-believe investing. This will give you practice in keeping track of multiple investments individually while watching them all for an overall gain or loss over a set period of time. It is much better to lose a large sum of make-believe money than it is to actually lose your hard-earned cash.

The end game is fiscal responsibility

With the volatility in the world today, practicing fiscal responsibility should be high on everyone’s list of priorities. When you’re managing your money in ways that see it growing, which adds security to your future, then you are being fiscally responsible. As you learn more about the world of economics, you’ll come to appreciate the difference between what you need and what you want.

If you want to attend university to obtain a degree in economics, you can certainly do that. But you can learn a lot about how money works through your own independent reading and researching.

‘Green Hotel’ Trend Sweeps the Hospitality Industry

Here at Native Place, we believe in keeping an equilibrium between providing a comfortable and welcoming place for our guests to stay, while respecting our local environment and the customs and traditions of the beautiful region in which we’re situated. We use smart architecture to regulate the temperature of our guest rooms, recycle wherever we can, source almost all our supplies from local producers, and use intelligent water systems to conserve this precious resource.

A growing trend

These measures, which used to be an exception to the rule, are starting to govern the ethos and selling points of many enterprises in the hospitality, giving birth to a new concept that’s rapidly gaining momentum: the ‘green hotel’.

Karen Moore, an environmental specialist with the Florida Department of Environmental Protection, is one of the many to recognize the trend: “Ecotourism is really starting to catch on. It makes financial sense for hotels. The environmental movement in this country is growing, and it is already big around the world.”

Supply meets demand

So what’s causing this movement towards responsible vacationing? It may well be a generational shift that involves a significant group of today’s spenders, the Millennials, moving towards socially and environmentally responsible practices in general.

Family camping holidays are replacing the resorts of mass tourism; a trend towards healthy eating is replacing the convenience-food fashion of past decades; and people are expecting eco-friendly and environmentally respectful holiday accommodation.

“For the group of millennials that do consider themselves environmentalists or at least want to stay on the greener side, a hotel with green features is ideal in that they won’t have to sacrifice their healthy lifestyle routine on the road by being able to continue to conserve water, energy and more when they have to travel for personal or business travel,” says Brian McGuinness, senior VP of Starwood Hotels & Resorts Worldwide.

Jenny Rushmore, TripAdvisor’s director of responsible travel, said that their research has revealed that more than 80% of guests expect hotels to have green practices.

Low tolerance for costs

Despite this desire for eco-friendly provision for travellers, it seems that vacationers aren’t willing to pay more for the privilege, and accommodation providers will have to find intelligent ways to balance the budget and respect the environment. “We hear a lot that sustainability is important to the traveller. However, there is zero tolerance for additional cost or any inconvenience for doing something,” says Denise Naguib, VP of sustainability and supplier diversity for Marriott International.

Wells Fargo Under Investigation for Fake Accounts and ID Theft

California’s Department of Justice is formerly investigating Wells Fargo & Co. for the alleged creation of millions of fake and unauthorized accounts including multiple cases of identity fraud. Attorney General, Kamala Harris joined the multi-agency investigation after warrants and other documents were served on the 5th of last month. Officials are currently working through a trove of information including the names of who the accounts were opened for, fees, who created their accounts, line managers, internal correspondence and so on.

While Harris is unable to comment on the ongoing case, Wells Fargo’s Mark Folk has stressed that the bank is open and cooperative with investigations. It is thought that these allegations go back as far as 2011. Papers uncovered by the LA Times suggest that the bank is accused of breaking 2 sections of the California penal code. The first breach is the outlawing of select forms of impersonation. In addition, they are accused of breaching the law against unwarranted use of a customer or client’s personal file. Any employees found guilty of breaching these laws can face up to 1 year in prison.

Currently, it is uncertain whether more laws have been broken, though there are suggestions that the violations may go beyond the state of California to other states as well. Furthermore, it is not yet known whether individual employees will be prosecuted or whether prosecutions will focus on mid-level or senior management, or the company as a whole. However, we do know that federal bank regulators in conjunction with the Attorney’s Office for the city of Los Angeles did agree a settlement with Wells Fargo over the fabrication of unauthorized accounts worth $185 million.

As well as this financial settlement, the controversy has already claimed one person. Wells Fargo CEO John Stumpf took early retirement after a much criticised performance in front of Congress. Questions are also being asked of retired bank executive Carrie Tolstedt.

While the investigation looks at various activities the press, regulators and investigators seem to be paying precious little attention to the plight of the real victims – those whose identities were stolen. Signatures were forged, money was transferred from legitimate customer accounts to the new, unauthorized ones to create a sense of realness and this has impacted many of the victims. Many only found out when they were sent notices for outstanding fees owed on accounts and policies they had no knowledge of. Such actions cause a high amount of stress in individuals, couples and families with untold consequences to the financial wellbeing, mental wellbeing, and physical wellbeing of these victims.

How to Reduce Waste in your Business

All companies need to reduce waste as much as possible. That’s the kind of constant effort that needs to be taken in every company, not only to pollute less as to reduce costs and increase its competitiveness.

Here are some ways you can reduce waste in your business:

1 – Start purchasing office supplies more effectively

If you start purchasing office supplies on a deep discount office supplies chain or using a reuse store, you can have massive savings on your office supplies items, and greatly reduce waste on your business. The best way to do it is to start by limiting the purchase of some items like scissors, tape, pens and pencils. That will reduce redundant purchases and reduce the waste.

Then you need to shop around for the best prices. Make sure you’re only buying what you really need and that you buy it at the best price.
2 – Upgrade your printer

Most businesses tend to use their printer until it breaks for good. But that’s not always the best solution. Modern printers keep getting more and more efficient, so just by using a modern printer you will save money in ink and printing costs. Modern printers also tend to have fewer problems than old printers, so you’ll slightly reduce your paper waste too.

If your business prints a lot, you need to make sure if you should keep your current printer or upgrade it to a more recent model. That can save you so much that the printer would pay itself in the short term.
3 – Electronics and office apparel

Just like a new printer can save you money and reduce waste, new electronics and computers might save you especially on the electric bill. Electronics and computers have evolved a lot over the last few years, and every year they become faster and use less energy.
4 – Reduce on food and cafeteria

If your business has a break room or a cafeteria, one of the most common wastes is on the tableware. Most businesses tend to use disposable tableware which greatly increases the costs and the waste. If you’re looking to reduce waste in your business, you can replace that disposable tableware and use reusable cups, plates, mugs, and flatware.
5 – Recycle everything you can

Few things can help your company become greener and reduce waste as much as recycling.

Just by color coding the recycle bins on your company, your employees will start to recycle much more.
6 – Use recycled paper

Sometimes recycled paper can even be cheaper than regular paper. So, you can use recycled paper at least for some of your printing and office needs and become greener while you reduce the waste and the costs at the same time.
7 – Make scratch pads from used paper

If you have large quantities of printed paper, you can reuse some of this used paper to make scratch pads. That will allow you to use material that was considered as waste by now, so the savings in something as simple can be exponential.

As you can see, there are lots of different ways of reducing waste in your company. In order to successfully reduce this waste and save money is by looking at where the money goes in your office, and where you’re spending more money than you should.

Consider upgrading your electronics, computers, and printer and make sure your equipment helps you reducing the costs and remain competitive.

How to Save Money, Cut Costs and Boost Your Business All at the Same Time

Any business owner or CEO needs to keep looking for ways to reduce costs and to remain competitive. Your goal is to cut costs in the right places and make sure your company keeps getting more competitive year after year, and ready to survive in the toughest economic periods.

Here are some ways you can save money, cut costs and still boost your business at the same time, turning your company into a much more competitive and efficient organization:

#1: Buy wisely

When you need to buy anything for your company, you can easily compare the prices online for multiple retailers. But what you might not know is that some of these retailers offer discounts for small business owners. If you’re buying expensive technology or furniture, the savings between different retailers can quickly get in the thousands of dollars. But if you’re able to get even a small discount, you can even get a better deal and save some money that you can invest elsewhere to grow your business.
#2: Compare and shop around for insurance

There are multiple ways to lower your insurance costs, but one of the most effective ways of reducing your insurance price is in comparing insurance companies. Ask for quotes in as many insurance companies as you can, and try to negotiate the policies to try to get the most coverage for the lower price possible.
#3: Stop getting financial charges

Many small business owners spend too much money on unnecessary expenses like loans, credit cards fees, or late payment loans. Manage your financial obligations wisely and avoid any kind of late charges.
#4: Going green might save you some more money

If you reduce or cut your use of paper you might save more money. Electronic file storage can save you thousands of dollars a year and since the technology keeps getting cheaper, it has never been as easier as it is today to reduce the paper consumption or to go paperless.

But going green is not just reducing the paper use. You can save on electricity too by using more energetic efficient computers and appliances. You need to check and consider each office upgrade to see if it really is the smart choice for you, but usually the more modern and energetic efficient is your office, the lower your electricity bill will be.
#5: Rethink your marketing strategy

For many companies, the marketing takes a big chunk of your budget. You need to invest in marketing to get customers, so some small business owners are afraid to save some money on marketing or advertising.

But it’s possible to save some money and even grow your business at the same time if you think outside the box and go with the marketing strategies your competitors are not using.

Nowadays most small business owners target the exact same advertising channels. They all go online to Google AdWords for example. And if that’s what you’re doing today, you’re competing for each and every keyword, so you’re all making it more and more expensive to get a single click or a single customer.

If you think outside the box you’ll move away from that competition and you explore the marketing channels where your competitors are not looking at. A great example of such a strategy is something as simple as flyers advertising.

Handing out flyers can be highly targeted advertising too and highly effective for growing your business. And considering online advertising is getting more and more expensive by the day, this kind of advertising solutions might be the best solution for you to cut some expenses on the marketing and still keep growing your company.