Monthly Archives: October 2017

Report: More Americans Decide to Stay Single to Save Money

Lady with money bills on her right hand and a gold bar on her left handCompared with data from 10 years ago, more Americans have decided to stay single due to financial uncertainty. This is according to Pew Research Center’s analysis of data from the US Census Bureau.

In 2007, the data showed that 39% of all adults in the U.S. lived without a partner or spouse. It has risen to 42% in 2017. The trend has been prominent among people under 35 years old. Researchers consider an estimated 61% of them to be “unpartnered” compared with 56% over the past decade.

Cost Savings

The increase of more adult singles stemmed from their lack of financial confidence. This is according to Kim Parker, director of social trends research at Pew Research Center. However, it also indicated that people today are more conscious of becoming financially prepared before exchanging wedding vows.

Regarding divorce as a contributing factor, the Pew analysis has suggested that it had nothing to do with the growing number of single adults over the 10-year period. But, it may be too early to say that it has no influence. Parker noted that divorce rates among baby boomers and older adults are on the rise. The type of job that you have could also determine the likelihood of a divorce.

High Divorce Rates

Gaming managers are the most vulnerable to a divorce with a 52.9% rate. The reason behind this involves their constant exposure to a party atmosphere, gambling, and alcohol. All of those could strain a marriage.

The place where you live could also be a factor. Gaming managers in Atlantic City, New Jersey, may be more likely to need legal counsel. This is in comparison with those seeking an Albuquerque divorce lawyer in New Mexico.

The increase of adult singles hints on some people’s choice of becoming financially and emotionally stable before marriage. At the same time, the census data should conclude that more people are unhappy due to the absence of a partner or spouse.

Guard Watching Video Monitoring Surveillance Security System

Two is Better than One: Remote Security Surveillance and Onsite Personnel

Guard Watching Video Monitoring Surveillance Security SystemTechnological advances have seemingly permeated every industry in the world, including security and surveillance. In fact, the public’s perception of what constitutes effective security measures has slightly shifted. It’s no longer just brawn that counts, but also the quality and sophistication of surveillance technology one has.

This implies that the public is becoming increasingly reliant on surveillance technology. It makes sense, too, since technology does enhance the ability of security personnel to monitor all activities inside and around their premises. Resources permitting, it’s better for any site or establishment to have both personnel and technology provide multiple layers of security.

Risks and Benefits on Both Sides

The debate over man vs. technology in security persists because consumers can see the disadvantages and benefits of each option — and even in combining both.

In terms of reliability, both man and technology are not 100% foolproof. Guards get fatigued, overlook details, or get distracted while on duty. Meanwhile, cameras and recordings are susceptible to damage, errors, hacking, and manual overrides.

Together, however, their strengths could fill the gaps left in their counterpart’s capabilities. As video surveillance cameras capture events as they occur, it is up to the guards to interpret their implications and react accordingly.

Surveillance Technology Should Not be a Standalone Protection Measure

Today, high-tech surveillance equipment is widespread but still expensive. Oil and gas site security provider J&G Security says that although they are unquestionably effective, security equipment cannot provide enough protection to a site or building all on its own.

Studies show that security cameras do deter crime, but the presence of uniformed guards can discourage criminals even more. In most cases, vandals, thieves, and intruders avoid confrontation because law enforcement will then be more likely to catch them.

Investing wisely in both will heighten the security around any establishment. With business operations and human lives on the line, management cannot afford to cut corners with its allocation for security.

Addressing High Utilization in Medical Care

a teenage girl having her eyes checked by a doctorThe health care system in the United States is the most costly in the world. Health leaders are pushing for the Triple Aim initiative, the goal of which is to simultaneously improve the health of the population, improve the experience of care, and lower the per capita cost of care.

With this comes a considerable chance for advancement in hospital utilization management, especially since private, state and federal sector entities allocated resources to new, high-utilizer enterprises like Case Management Innovations. These include modules of accountable care organizations, requirements of Section 1115 Medicaid demonstration waivers and health homes. For many cases, they can usually prevent or largely mitigate the settings that trigger undue utilization.

Complicated interventions

Populations that are high-utilizing require receptive and coordinated care. They require access to an array of social and health services. Moreover, they need an atmosphere that supports and encourages health maintenance. Taking care of populations that have complicated social and health requirements need enough complicated interventions.

A thorough approach

Offering integrated care may assist in handling the condition of an individual. However, the advances in population health will be minimal if they do not address fundamental problems, like access to affordable, stable and safe housing.

Individual referrals to community-based groups and social services are crucial, but it is also essential to build tactical relationships to promote an integrated reaction to housing security. Moreover, they must also support policy changes and advocacy that guarantee the availability of resources to every resident.

Return on investment

It is important for all health care leaders to enhance community surroundings to match their coordinated and developed service delivery. As they think about the choices to boost quality and lower costs, they have the chance to incorporate thorough models that link effective care management with superior prevention. Investing in these can lead to short- and long-term outcomes to transform the health of the population, as well as healthcare.

Youtube on a browser

Looking to Learn a Foreign Language? Don’t Simply Recite, Sing

Youtube on a browserYou’ve watched countless tutorials on YouTube and spent sleepless nights watching subbed movies but to no avail. You can still barely stammer through the items on a foreign-sounding restaurant’s menu.

While movies with voiceovers offer a peek into the culture of the country you’re visiting, experts say if you wish to get to grips with a particular language, try singing while learning. A study conducted at the University of Edinburgh’s Reid School of Music revealed that singing foreign words or short phrases can help adults become twice as good at speaking the language later.

Improving Recall

Led by Dr. Katie Overy, the researchers taught 60 adults foreign phrases using recordings of words. As the researchers wanted to use a language that participants were unlikely to have encountered before, they chose to present them with Hungarian words.

The researchers played the tapes to participants, instructing one group to say the words back like a teach yourself tape. On the other hand, they told the other group to either sing the words or say them rhythmically.

After listening for 15 minutes, the researchers gave the respondents tests to see how well they fared at learning the words. The results revealed that those who listened to short phrases and sang them back performed better than those who simply spoke the words.

The Link Between Music and Memory

Music can help trigger memory recall. Most people remember certain phrases or words from a song they heard earlier. Some language teachers use music to teach their young students, while the students use it to enhance their memory when preparing for an exam.

The researchers concluded that a listen-and-sing method could help verbatim memory for phrases in a spoken language. The researchers did not delve into whether certain melodies provide an additional cue to exercise the mind, and while they admit that future research can fortify the ideas they have brought forth, they suggest taking advantage of the strong links between memory and music when trying to learn a foreign language.

Understanding Your Credit Score and Mortgage Application

Credit Score ReportYour credit score is one important factor that can affect the interest rate of your mortgage and your eligibility to get a loan. You can improve your chances of getting a better mortgage by boosting your score, staying current on your payments, and paying some of your debts. Note that some portions of the score depend on how much debt you have and whether or not you pay your bills on time.

Where Should You Start?

Know your score by getting a free report and checking it for errors. If you find some, submit a request to the fix the mistakes. It is ideal to do this before you apply for a home loan, as investigating disputes can take up to 30 days or more. According to the Consumer Financial Protection Bureau, reporting agencies will notify you of the results five days after they finish the investigation.

Should You Apply Now?

Lenders offering mortgages in Utah note that if your score is 740 or more, you can qualify for the best interest rates. Good credit score means saving thousands on your home loan. If it is, however, below 700, you will have to pay more interest on your mortgage. Note that many lenders prefer borrowers with a stable history of on-time payments as well as low balances.

Is it Better to Apply in the Future?

If you have a low score, you can put off buying to save more money and improve your credit rating. Good credit habits include paying credit card debts, paying bills on time, and keeping balances low. If you keep up with these practices, you can see an improvement in your score. Note that improved credit can help you save up to $100 on a normal monthly loan payment.

Focus on improving your score to get better loans and rates. Be sure to avoid making large purchases on credit before you apply for a mortgage or close on a house, as this can negatively affect your chances of getting a loan.

4 Quick Tips For First-Time Homebuyers

Old Couple In Front Of The House With Sold SignFor first-time homebuyers, buying a home can be a challenge. The challenges that go with buying a house go beyond choosing one with the best interior design and curb appeal. Check out these four quick tips on how to get a good deal.

Choose the right type of mortgage

Having the right type of mortgage is important. Work with the best mortgage company in Utah to get the most convenient rates and terms at the lowest closing cost. Your lender should provide first-time homebuyers quick and efficient ways to move in.

Mind your credit rating

Credit score and rating are two important factors when taking a mortgage loan. First-time homebuyers should keep their credit scores on the good side. They should aim to improve their credit rating and correct any errors that might affect their credibility as borrowers.

Secure the down payment early on

As a rule of thumb, first-time homebuyers should start saving early for their down payment. Paying a higher down payment can lower the costs. If this is not possible, there are plenty of down payment options, such as the federal mortgage programs and other similar programs provided by the state or the county.

Consider quality over price

In some cases, cheaper houses turn out to cost more due to major repairs and maintenance that do not become visible after the move-in period. While it’s advisable to save some cash for the move-in and do some basic shopping, it would be better to spend less on maintenance and repair.

First-time homebuyers should do their research to know what type of property is best for them. Looking for several mortgage options is also important to help you compare the rates and find the most convenient one.