Business & Finance - 16 December 2007

2007-12-16 14:20:19 · 2 answers · asked by wondern 1 in Renting & Real Estate

If I borrow say 100K against my home line of credit at 6%. Then I plan to invest this in a low risk mutual fund. My two questions are:
1) I am hoping that I would be able to write off the complete 6000 dollars (cost of borrowing) while filing my taxes. Is this correct.
2) How much should be the minimum return on investment to make this a sound decision.
Thanks
Tin

2007-12-16 14:20:18 · 5 answers · asked by apeer98 1 in Personal Finance

i fianced my truck through united auto credit and i cant make a payment so if i give them back my truck is it going to make a negative mark on my credit even though they got the car back!

2007-12-16 14:12:41 · 7 answers · asked by jsjepatty 1 in Credit

2007-12-16 14:11:39 · 3 answers · asked by Anonymous in United States

I have already make a prototype for this project. Now all I need is a financial backer for advertisement /marketing and production.

Dalton

2007-12-16 14:10:31 · 1 answers · asked by Dalton M 1 in Investing

Me and my family(mexicans) and i'm white looked at house on dana street in bond hill should i rent it or not considerind that its a bad place

2007-12-16 14:00:06 · 5 answers · asked by Anonymous in Renting & Real Estate

I am looking into going for a small career such as an Operation Room Specialist, what exactly is the function of an ORS? Is it a stressful job? I was just wondering....I know I want to study something in the medical field, Im just not sure what in the medical field I want to go for. Thank you for your answers!!! God Bless!

2007-12-16 13:56:03 · 1 answers · asked by Juliet 2 in Health Care

The financial model's best-case scenario demonstrated savings of up to $13 million
DES PLAINES, Ill.- Hospitals, even those with small intensive care units (ICU), would save money by implementing the intensive care unit (ICU) physician staffing standard, according to an article in the June issue of Critical Care Medicine.
"Using conservative cost estimates, annualized savings available to hospitals with small, six bed ICU are $500,000, a 12 bed ICU $2 million and an 18 bed ICU $3 million," said lead author Peter J. Pronovost, M.D., Ph.D., associate professor of anesthesiology and critical care, surgery, health policy and management, as well as medical director of the Center for Innovations in Quality Patient Care at The Johns Hopkins University School of Medicine in Baltimore. The figures include the salaries of the ICU physicians, or intensivists.

Intensivists are board certified in a medical specialty such as surgery, internal medicine, pediatrics, or anesthesiology, and have received special training and subspecialty certification in critical care. They are dedicated to the ICU and remain on the unit for the duration of their assigned coverage.

The Leapfrog Group's intensive care unit physician staffing standard requires ICUs to have a dedicated intensivist present in the ICU at all times during the day and immediately available at night by pager. A physician must be in the hospital and able to reach ICU patients immediately.

Several large U.S. healthcare purchasers formed The Leapfrog Group to initiate breakthroughs in patient safety and to improve the overall value of healthcare to U.S. consumers.

The researchers used published data combined with conservative assumptions to create financial models of cost and savings for 6-, 12-, and 18-bed intensive care units staffed under this ICU physician staffing standard.

The authors found that annual cost savings would range from $510,000 to $3.3 million for 6- to 18-bed ICUs. A best-case scenario demonstrated an annual savings of $4.2 to $13 million. Under the worst-case scenario, there was a net cost of $890,000 to $1.3 million.

Implementation of dedicated intensivist staffing in non-rural American adult intensive care units is estimated to save 162,000 lives annually. Nonetheless, there has been little organized effort to implement intensivist staffing in the United States. A targeted survey of hospitals revealed that dedicated intensivist staffing is currently employed in only 10 percent - 20 percent of U.S. ICUs. This and other failures to translate clinical research into actual practice have resulted in preventable illness and death and may have shortened life expectancy in the U.S., according to the investigators.

"In addition to reducing costs, intensivist staffing has repeatedly proven to be one of the most effective critical care interventions," said Dr. Pronovost. "It reduces hospital mortality by 30 percent."

Three main barriers to implementing the intensivist model exist. The first obstacle is financial because of the hesitancy of hospital management to assume intensivists' salaries. A second concern is upsetting medical staff and the final barrier is a presumed shortage of intensivists.

Dr. Pronovost does not entirely accept these impediments. "Our research has shown that financial concerns can be eliminated," he said. "Hospital leadership can overcome the political barrier by practicing patient-centered rather than provider-centered leadership. Given the clinician and economic benefits of intensivist staffing, hospital leaders should ensure the patients in their ICUs receive the life saving intervention available through appropriate intensivist staffing. While there is an intensivist shortage, the magnitude of this shortage is unknown. Estimates of the shortage are based on current ICU staffing models rather than an intensivist model. I have seen several hospitals implement an intensivist model without hiring new intensivists by simply integrating existing physician groups."

"Hospitals need to ensure that critically ill patients have access to this life saving intervention. To realize these benefits, ICU must be appropriately staffed with intensivists," Dr. Pronovost concluded.

In 1998, several large U.S. healthcare purchasers formed The Leapfrog Group to initiate breakthroughs in patient safety and to improve the overall value of healthcare to consumers. The Leapfrog Group has grown to include more than 34 million employees from more than 105 major U.S. corporations, representing in excess of $59 billion in annual healthcare expenditures. Using this financial influence, The Leapfrog Group seeks to create a business case for improved quality in healthcare by rewarding high-quality providers with preferential use and by helping employees make more informed hospital choices based on indicators of high-quality care.

"The Society for Critical Care Medicine has advocated for intensivist-led, multi-disciplinary critical care for the past 30 years," said Joseph E. Parrillo, M.D., editor-in-chief of Critical Care Medicine. "The research supporting our position continues to grow."


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Critical Care Medicine is the official journal of the Society of Critical Care Medicine. It is the premier peer-reviewed, scientific publication in critical care medicine. Each issue presents critical care practitioners with clinical breakthroughs that lead to better patient care, the latest news on promising research, and advances in equipment and techniques.

2007-12-16 13:46:42 · 2 answers · asked by Anonymous in Health Care

I was told to start a LLC in Wyoming, because you don't have to pay taxes there. But if my business is operating in Washington state, wouldn't I have to pay Washinton state taxes on any income I made there? Therefore defeating the point of starting a LLC in Wyomingto avoid paying taxes. Shouldn't I just start the LLC in Washington?

2007-12-16 13:44:57 · 2 answers · asked by Anonymous in United States

2007-12-16 13:33:42 · 4 answers · asked by Bernard B 1 in Renting & Real Estate

on ebay how long does it take fo a "buy it now" item take to arrive? please help!

2007-12-16 13:33:17 · 2 answers · asked by Katie D 1 in Small Business

I have told them not to call on Sundays because we do not do business on Sundays and they refuse to quit calling

2007-12-16 13:32:46 · 7 answers · asked by Tracie 1 in Personal Finance

The closing date of my condo sale is January 4th, and my next mortgage payment is not due until the 4th as well. It is an interest only loan, so there is no principle involved in the payment.

2007-12-16 13:30:54 · 6 answers · asked by Reno Dillon 2 in Renting & Real Estate

2007-12-16 13:30:08 · 1 answers · asked by Anonymous in Other - Careers & Employment

My friend was a victim of credit card fraud. The thief stole about $500 worth of merchandise online. The IP was traced and the purchases were made at a university library in the same state that we live in. The address that the merchandise was shipped to is an abandoned house about 40 minutes away from where the thief ordered the merchandise - the house has been empty for about 5 years. Do you think there is any chance the thief can be caught?

2007-12-16 13:22:09 · 9 answers · asked by Anonymous in Credit

In Ny state where can you report credit card fraud? I thought you were supposed to be 18 in NY to get a credi card because thats when you have credit..or whatever.. Well somebody I know is 17 she ahs gotten like 4-5 diffrent credit cards and maxed them all since she was 16. I can't report them to the company itself because there were a few and Im unsure which ones they were.. I mean isn't this fraud, can't you get in trouble? She lied and said she was like 19-23 to get them..

2007-12-16 13:18:39 · 18 answers · asked by likeicare2007 2 in Credit

how can I do this plz help

2007-12-16 13:11:48 · 4 answers · asked by john 3 in Other - Careers & Employment

I live in an apartment building and we have very noisy upstairs neighbors. We have notified the apartment managers of how loud they are, but they are uninterested in throwing them out (the apartment is low on people and they need the renters). We have also tried to call the cops, but because the neighbors don't speak english they were just given a warning as they didn't "understand" our request for them to keep the music down. We have called the cops times after this and we were told they can not keep coming out over things like this, and informed us if we keep calling to complain they will come and evict us instead. What are some more ways to get rid of a noisy upstairs neighbor myself without having to move away? I'm willing to try anything at this point!

2007-12-16 13:11:36 · 4 answers · asked by wanderingred1 2 in Renting & Real Estate

I'm a first-semester junior at Clemson. I have a good GPA (3.74, I've been on the Dean's List each semester) and I'm currently undergoing a class to get my CPR/Fist Aid cert. I want to be a Physicians Assistant and I need a lot of med exp. I searched constantly last summer for an internship, job, shadow, or anything. I never found anything - my doc was unwilling to let me shadow and I know no one in the field. I applied to several hospitals - the problem is that they have online apps and I never even got a phone call. I called these hospitals to contact a manager, they referred me to the online application. I was considering working to be a CNA this summer - 3 weeks of training, and the remainder of the break for working. But I fear no one will hire me to work around school-summers and breaks. Apparently orderlies don't exist anymore. Is there another direct-patient care job I could have? It doesn't need to pay - I have loans. In addition, does anyone know of any in Charlotte, NC?

2007-12-16 13:08:19 · 3 answers · asked by Anonymous in Health Care

we borrowed money from his cousin, my husband died last year age 53. Our home is in both our names - so is the loan. He had no insurance and I am left with a corporation that barley supports my household, we had no children in our 30 yr marriage. I am affraid I will lose my home to his cousin.

2007-12-16 13:03:27 · 5 answers · asked by Lanie A 1 in Personal Finance

or which jobs in the medical field require the least amount of social skills

2007-12-16 12:57:11 · 6 answers · asked by Me Encanta Espanol 4 in Health Care

Company A has 100000 in its inventory on the balance sheet. However the inventory is not right....it was understated by 10000. the company was in business for five years....and the balance sheet shows the inventory for its fifth year....what is the right amount of inventory on the balance sheet for the fifth year?

thanks :)

2007-12-16 12:55:20 · 1 answers · asked by Anonymous in Other - Business & Finance

On a month to month tenancy, the law says a party has to give the other party 30 days notice. Does this mean a full months notice or literally 30 days? i.e. if the tenant is notifiying the landlord on December 15th is the move out date January 31st or January 15th?

2007-12-16 12:49:41 · 7 answers · asked by ENI 2 in Renting & Real Estate

2007-12-16 12:47:34 · 4 answers · asked by painbound44 1 in Credit

2007-12-16 12:45:50 · 5 answers · asked by Anonymous in Investing

2007-12-16 12:38:33 · 2 answers · asked by fiestababy05 1 in Personal Finance

I'm thinking seriously of buying a 3 family home near me. What can I learn from you all to shorten my learning curve? What should I expect? What are the pros and cons?

Thanks in advance.

2007-12-16 12:36:36 · 3 answers · asked by Think.for.your.self 7 in Renting & Real Estate

I can prepay down to 90K or the whole mortgage but would need to sell some bonds, cash, and investments. Does it make sense to knock this down at the cost of losing securities? I am thinking that getting more principal and paying off interest is a good way to go. Currently my mortgage is about 750 interest and 200 principal.

2007-12-16 12:27:17 · 8 answers · asked by smither12 2 in Personal Finance

I've overdrawn my checking account two times already since I opened up my account and I'm really bad with not learning how to not buy everything in the stores that i want can somenone give me advice on how to manage my money and balance out my checkbook and save money in cehcking and savings?

2007-12-16 12:27:05 · 4 answers · asked by Gabby 1 in Personal Finance

if my son is only going to be 11 weeks can i still claim him? the 501 irs publication says they must live with you for 6 months out of year. does this apply to newborns?????? or just children from single homes?

2007-12-16 12:26:40 · 5 answers · asked by Anonymous in United States