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Pain Clinics: What to Expect and How to Find One #pain #clinic, #pain #management #clinic, #how #to #find #a #pain #clinic, #doctor, #doctors, #what #does #a #pain #clinic #do, #pain #treatment, #pain #relief, #pain #doctor, #pain #clinic #doctor, #relaxation, #biofeedback, #corticosteroids, #non-aspirin #pain #relievers, #nsaids, #electrical #stimulation, #tens, #pain #implants


Pain Clinics Overview

If you are among the 50 million Americans living with chronic pain. a full and active life may seem like an impossible dream. But don’t give up. If the pain treatment you have tried doesn’t provide relief, a pain clinic may help.

A pain clinic is a health care facility that focuses on the diagnosis and management of chronic pain. Some specialize in specific diagnoses or in pain related to a specific region of the body. Also called pain management clinics, pain clinics often use a multidisciplinary approach to help people take an active role in managing their pain and regaining control of their life. These programs are focused on the total person, not just the pain.

What Does a Pain Clinic Do?

Although pain clinics differ in their focus and offerings, most involve a team of health care providers that can help you with a variety of strategies to manage your pain.

These health care providers are likely to include doctors of different specialties as well as non-physician providers specializing in the diagnosis and management of chronic pain. These providers may include psychologists, physical therapists, and complementary and alternative therapists such as acupuncturists or massage therapists. Together, they will put together a pain management plan for you.

Strategies for Pain Relief and Management

At a pain clinic, your therapy plan will be tailored to your specific needs, circumstances, and preferences. Depending on the cause of your pain, treatments may include one or more of the following:

Medications . In many cases, patients are prescribed treatment before receiving other forms of therapy. Medications for pain may include:

  • Non-aspirin pain relievers. These drugs, such as acetaminophen (Tylenol ), relieve minor pain and are sometimes combined with other drugs to provide greater pain relief.
  • Nonsteroidal anti-inflammatory drugs (NSAIDs ). Available over the counter or by prescription, these drugs — including ibuprofen (Motrin ) or naproxen (Aleve. Naprosyn ) — are used to treat pain and inflammation .
  • Corticosteroids. Available only by a prescription, these cortisone -like drugs are used for more severe inflammatory conditions.
  • Opioid pain medications. These morphine -like drugs are often prescribed short term for acute pain or for cancer pain. Occasionally, doctors prescribe them for chronic, non-cancer pain.
  • Antidepressants . Originally designed to treat depression. these drugs can be useful for relieving certain types of pain. Antidepressants may also promote sleep. which can be difficult when you are in pain.


Often, medications alone aren’t enough to treat chronic pain. Other treatments may be more effective than medications, and medication may be more effective when combined with other treatments. Other available treatments offered by pain centers may include:

Injections. Local anesthetics, sometimes combined with a corticosteroid, may be injected around nerve roots or into muscles and joints to relieve irritation, swelling, and muscle spasms .

Nerve blocks. If a group of nerves, called a ganglion or plexus, causes pain to a specific organ or body region, injections with local anesthetics may be useful for blocking the pain in that area.

Physical and aquatic therapy. A physiatrist (doctor specializing in rehabilitation medicine) or physical therapist may prescribe a specially tailored exercise program to increase function and decrease pain. Other physical therapy options at pain clinics may include whirlpool therapy, ultrasound. and deep-muscle massage.

Electrical stimulation. The most common form of electrical stimulation used in pain management is transcutaneous electrical nerve stimulation (TENS), a technique that uses a small, battery-operated device to stimulate nerve fibers through the skin. Other implants for pain control use medicine, heat or chemicals.

Acupuncture . This ancient Chinese practice involves inserting very thin needles at specific points on the skin to relieve pain.

Psychological support and counseling. Although pain is a physical sensation, many people in pain suffer emotionally with feelings of anger, sadness, and hopelessness. Dealing with unrelenting pain can affect your ability to hold a job, maintain a home, meet family obligations, and relate to friends and family members. Psychological support, along with medical treatment, can help you manage your condition.

Relaxation techniques. In addition to counseling, mental health professionals can teach you self-help techniques such as relaxation training or biofeedback to reduce stress and relieve pain.

Surgery. Although sometimes surgery is clearly necessary to relieve a problem that is causing pain, it is often a treatment of last resort. If pain has not responded to any other treatment, surgery on certain nerves may offer relief and allow you to resume normal activities.


How to Find a Good Pain Clinic

If you decide you want to try a pain clinic, your doctor should be able to refer you to one that offers services to help your specific pain problem. If your doctor cannot help you, try the following:

Your local hospital. Ask your local hospital or medical center if they have or are affiliated with a pain treatment center. If the hospital does not have one, ask to speak with their department of anesthesiology, which may have doctors on staff who can refer you to a different hospital.

Medical school. Contact your nearest medical school, which is probably affiliated with a private or state university.

Organizations. Organizations that support pain research and/or advocate for pain patients may be able to help. One to try: the American Society of Anesthesiologists (ASA).

Because there are many forms of pain treatment and not all centers offer the same services, it’s important to do your homework before you consent to treatment. Find out what types of pain therapies are offered, what the specialists’ credentials are, and if they have successfully helped others with your type of pain.

When checking out a pain clinic, schedule an appointment to meet with the team. If you feel comfortable with them, it will be much easier for you to make progress. Asking yourself the following questions can also help you determine if a pain clinic is right for you.

  • Does the staff treat me with compassion and respect?
  • Does the clinic share my beliefs and goals for treatment?
  • Does it develop treatment plans based on individual needs?
  • Does it involve me in designing treatment?
  • Does it involve my family in treatment goals?
  • Will my health care team communicate frequently with one another?
  • Will my health care team communicate frequently and effectively with me, my family, and my primary physician?
  • Does the clinic monitor my progress?
  • Does the clinic have formal follow-up with patients?

WebMD Medical Reference Reviewed by William Blahd, MD on September 04, 2016


Scripps Health: “Pain Management.”

International Association for the Study of Pain: “Desirable Characteristics for Pain Treatment Facilities.”

American Chronic Pain Association: “Managing Chronic Pain.”

American Society of Anesthesiologists: “The Management of Acute, Chronic and Cancer Pain.”

© 2016 WebMD, LLC. All rights reserved.

Solar Power & Solar Panels Guide, MoneySuperMarket, how much money does it cost to install solar panels.#How #much #money #does #it #cost #to #install #solar #panels


Solar Power

We compare prices from every energy supplier in England, Scotland and Wales to help lower your fuel bills

How much money does it cost to install solar panels

Solar Power

Solar panels can cut your energy bills, and pay you for producing electricity, which makes them an appealing option if your energy costs are going up. But before paying thousands to install solar panels, consider whether your property is suitable, and whether they’ll really cut your bills.

How much money does it cost to install solar panels

How solar panels work

Solar panels harness the sun’s energy through photovoltaic cells. The cells convert sunlight into electricity. You don’t need direct sunlight for the panels to work, as they still generate some power on an overcast day.

  • Cut your carbon footprint – the panels are environmentally friendly, as solar electricity doesn’t release harmful carbon dioxide (CO2) and other pollutants into the atmosphere.
  • Renewable and sustainable – you can’t run out of this type of power.
  • Cut energy costs – sunlight doesn’t cost a penny, once you’ve paid for the panels to be installed.
  • Financial support – solar panels are eligible for Feed-in Tariffs. You earn money for each kWh of electricity you generate, and you get an additional payment for the electricity you export back into the grid.
  • The initial cost – this can be expensive, at thousands of pounds, unless you’re eligible for financial help towards the cost.
  • Dependent on weather – solar panels still produce power on a cloudy day, but the weather may influence how well they work.
  • Your property might not be suitable – you need a roof that’s big enough to fit the panels, and produce enough power. Ideally, your home should also be south-facing. Listed buildings are unlikely to be allowed to install solar panels.
  • Effort – there is a big initial outlay, and building work is required. This will put many people off, when energy is available simply from a range of suppliers.

Call your local Energy Saving Trust Advice Centre on 0800 512 012 for more information on solar panels.

The cost of solar panels

The average 4kWp solar panel system costs around 5,000- 8,000 to install, according to the Energy Saving Trust.

This can generate around 3,800 kWh of electricity a year, and save around two tonnes of carbon dioxide every year. However, costs vary widely between installers – so get several quotes.

Before spending thousands installing a system, make sure it’s worthwhile. Check if other energy saving measures could save more, such as switching suppliers, loft or wall insulation.

Your home must reach band D or higher in the Energy Performance Certificate to be eligible for the highest rate of Feed-in Tariff.

If you’re unable to install solar panels or you decide against it, cut energy costs by comparing tariffs and switching to a cheaper deal. Make sure you’re on the most competitive tariff, particularly given the rising cost of energy.

Fitting solar panels

Tell your buildings insurer: The panels will form part of your home’s structure. This means your insurance could get more expensive, if your insurer decides you need a higher level of cover, particularly if the house needs rebuilding and the panels need replacing.

Consider separate insurance: Your home insurance won’t guard against any mechanical fault in the panels. If they stop working, check if they’re under warranty. You may need to insure them separately.

Check the provider: Look out for the REAL Assurance and Microgeneration Certification Schemes (MCS), ensuring you can trust the company. The MCS mark shows that the installer offers high-quality products, while the REAL Assurance Scheme is a consumer code that offers protection.

How much money does it cost to install solar panels

Can I compare energy prices if I am on a prepayment meter?

If you use a prepayment meter, you can still compare energy prices and potentially switch to another cheaper prepayment deal.

If you are on a prepayment meter, you could switch to a fixed-rate deal and save.

You can compare your current prepayment tariff to alternative tariff options using our energy comparison tool.

Termites San Diego: What Are The Costs Of Termite Tenting In San Diego? #cost #of #termite #treatment,free #termite #inspection,fumigation #costs,how #much #does #termite #control #cost,san #diego #termite #tenting #cost,termite #costs,termite #tenting #costs


What Are The Costs Of Termite Tenting In San Diego?

Termites are a severe problem in California, and are costing home owners about one billion dollars every year in damage repair. Every building in San Diego needs at the time of sale a clear termite inspection report, and it is advised that you do regular termite control in order to avoid expensive damage repair in the future.

Costs are many times the primary concern of property owners in need of termite treatment. The costs of termite control in San Diego depend from various factors including the kind of termites you have, the size along with the part of your house that needs to be treated and the extermination method.

A San Diego termite company will usually set the price in relation to how serious the infestation is. If the termite inspector spots just a few subterranean termites and finds that local treatment could solve the problem then there is no need for you to pay for an entire tenting procedure. Local termite treatment can provide residual protection and is typically less expensive than tenting and fumigating the whole structure.

The average cost of termite tenting differs widely. Costs vary based on several variables, including the method of treatment and the severity, as well as the location, the accessibility of the infestation, the size of the treatment area (termite control quotes tend to be calculated per sq. ft.), the type of construction, the number of structures that need to be treated (e.g. fences, sheds) and the species of termite that has been found.

The costs for termite tenting vary depending on these main factors:

  1. How far is the infestation spread throughout your house, and what exactly needs to be done to treat it
  2. The size of your home
  3. The accessibility of your property that may have an effect on the execution of the work

While costs vary depending on the above, as a rule of thumb you may expect to pay about $1 to $1.50 per sf, so the typical costs to treat a 2,000 sf home may be around $2,000 to $3,000 for a San Diego property. In addition to this you may have costs for packing and moving some of your belongings, your stay during the time where you cannot live in your house, and any costs to repair existing damage.

Generally speaking, if you have drywood termites, fumigation services cost more than local termite treatment. For subterranean termites, bait systems typically are more expensive than termiticide treatment because bait systems involve monitoring.

If you have not dealt with termite companies in the past, you may be tempted to select the first company you come across. This however may not be the most cost effective solution. You should rather get two or three quotes so you can get a better idea what needs to be done and can compare prices. You also have the chance to evaluate different companies in terms of professionalism and knowledge.

While the costs are an important consideration when selecting the best San Diego termite control company, the price should not be your only consideration. It is recommended to compare more than purely the initial expense for termite treatment. You may also want to look at any further costs, for example costs of future termite inspections, or costs to renew service contracts and of course the terms and conditions of the termite company s guarantee.

Most San Diego termite companies provide free termite inspection, and reputable companies will also include a one or two year warranty against evidence of active termite infestation.

Ask the Expert: Does mortgage insurance make sense? Dec. 19, 2003 #military #loan

#loan insurance

By Walter Updegrave, CNN/Money contributing columnist

NEW YORK (CNN/Money) – I am being offered mortgage protection insurance. Is it worth the cost?

— James Lawrence, Tampa, Florida

Before I answer your question, let’s be sure we’re both talking about the same type of mortgage insurance. There are actually two kinds, and they provide very different types of coverage.

First, there is the type known as private mortgage insurance, or PMI as it’s known in lending circles.

If you are buying a home and putting up a downpayment of less than 20 percent of the home’s value, then generally you don’t have a choice of whether to buy this type of insurance. The lender requires it.

Why? Because PMI isn’t there to protect you — it’s there to protect the insurer in the event you default on your home loan and the lender isn’t able to re-sell your home for enough money to pay off the mortgage.

The cost of PMI varies, but a rule of thumb is about one half of one percent of the loan amount.

So if you’re buying a house for, say, $150,000 and putting 10 percent down ($15,000), the annual cost of PMI on your $135,000 mortgage might run $675 a year, or $56.25 a month.

In years past, some lenders would continue to collect PMI premiums even after the mortgage balance had fallen to well below 80 percent of the home’s original value. But Congress passed the Homeowners Protection Act of 1998, which allows homeowners to request that the lender cancel PMI when the mortgage loan-to-value ratio falls to 80 percent and requires the lender to cancel it when the ratio falls to 78 percent.

By the way, appreciation in the home’s value isn’t taken into account in calculating this ratio — only the decline in the mortgage balance counts.

There are also some other qualifications that may affect your ability to cancel PMI. For more on what the bill requires of you and the lender, click here.

Mortgage life insurance

The second type of mortgage insurance is the type that usually goes by the name mortgage life insurance.

Here, you’re being offered the chance to buy an insurance policy that will repay your mortgage in the event of your death, disability or some incapacitating disease.

This offer — typically by mail — often comes from your lender or an insurance company affiliated with that lender.

This type of insurance is purely voluntary, however, so the question is, should you buy?

Generally, I’d say the answer is no.

It rarely makes sense to buy insurance for narrow reasons — to insure against a specific disease or a single calamity or to provide funds to pay off a single liability, in this case your mortgage.

In the case of life insurance, for example, you’re much better off analyzing your overall insurance need based on what kind of liabilities your spouse or other dependents would face and how much income they would have to replace if you were gone, and then buying enough insurance to meet that need.

Fact is, if you died tomorrow, your dependents would need to replace your income for a variety of reasons, not just to pay the mortgage.

Indeed, it might not even make sense to pay off the mortgage. Your spouse or other survivors might be better off continuing to pay the loan — assuming that’s possible — and putting insurance proceeds to other purposes.

In other words, you should take your overall financial picture into account when buying life insurance.

And the way you should do that is to have a financial planner or life insurance agent perform what’s known as a “needs analysis.” You can also use any one of a number of insurance needs calculators online, including the calculators at The Life and Health Insurance Foundation for Education site and TIAA-Cref site.

Of course, that leaves the question of what type of insurance you should buy — whole life, term, etc. — and the issue of how to shop for the best price for a policy.

For more on those topics, see a column I wrote last year called “Life insurance made easy .”

The same goes for disability insurance. You should consider a long-term disability insurance policy not just because you have an outstanding mortgage, but because you would likely need to generate income for a variety of reasons even if you were disabled and unable to work. For more on choosing a disability policy, click here.

Home Page #reverse #mortgages, #hecm, #hecm #home #equity #conversion #mortgage, #hud #insured #reverse #mortgage, #fha #insured #reverse #mortgage, #facts, #questions, #reverse #mortgage #information #georgia #tennessee, #testimonials, #medicaid, #no #monthly #payments, #interest #rates, #lump #sum, #fixed #rate, #adjustable #rate, #based #in #decatur #ga, #metro #atlanta, #macon, #consultants, #loan #officers, #how #does #a #reverse #mortgage #work?, #contact #us, #jack #wilkes #reverse #mortgage, #michael #julian #bond, #reverse #mortgage #counseling, #no #obligation #no #cost #free #information, #62 #and #older, #primary #residence, #home #equity


Reverse the Future

What is a Reverse Mortgage?

A Reverse Mortgage is a type of home loan that lets you convert a portion of the equity in your home without having to sell the home, give up title or take on a new monthly mortgage payment. It is also known as a HECM. The money you receive can be used for any purpose you choose. The program has been around for 27 years and is insured by the Federal Housing Administration.

Based on the final totals in the 2015 calendar year, 945,287 Senior Citizens have benefited from the FHA insured Reverse Mortgage since the program began in 1989. Although the program has been in existence for twenty seven ears, almost one third of the loans been done in just the past five years. That total is 293,058 Reverse Mortgages. These numbers show how popular the program has become for many senior citizens in the recent past.

To learn more about how Reverse Mortgages work, please click here .

Reverse Mortgages Resources

The Seniors Home Reverse Mortgage Blog

There are many reasons to celebrate our modern day healthcare. We are living longer our quality of life is better today than at anytime in the history of the world. Doctors are performing medical procedures today that didn t exist only a decade ago! New prescription medicine is saving hundreds of thousands of lives today in the United States. On average Americans can expect to live well in to their 80s. This is a great time to be alive!

There is a downside to this wonderful news.

Latest News

Why you need MedPay in car insurance #what #does #medical #coverage #on #an #auto #insurance #policy #cover


Why you need MedPay in car insurance

When searching for ways to lower your car insurance premium, you may be tempted to drop medical payments coverage, aka MedPay, from your policy. After all, it may not be required in your state, and sounds redundant to your health insurance.

But you d be mistaken to write off MedPay as unnecessary. In fact, the very limitations of most health insurance policies, combined with the glacial pace of insurance settlements and the risks you can offload with this often-misunderstood optional coverage, argue strongly in favor of retaining, if not increasing, your MedPay.

In a nutshell, MedPay makes good on medical bills up to your coverage limit for you, your family and others riding in your vehicle in case of an accident, regardless of who s at fault. Your medical payments coverage moves with you (walking, riding with a friend or on public transportation, in-state or out), as well as with your insured vehicles, regardless of who s driving. It carries no deductible or co-pay.

If you re injured in an accident that another insured driver caused, it can take months for their car insurance company to pay your medical bills. Sure, your health insurance may pay, but increasingly many of us carry high deductibles and co-pays that can stretch our finances to the breaking point before the insurance settlement with the other driver closes.

The beauty of MedPay is it kicks in before the hubcaps stop spinning to pay your medical bills, health insurance deductible and co-pays. It covers myriad other out-of-pocket costs that your health policy probably won t touch, including ambulance fees, chiropractic, dental, prosthetics and, in a worst-case scenario, funeral expenses.

In the 12 no-fault states (Florida, Hawaii, Kansas, Kentucky, Massachusetts, Michigan, Minnesota, New Jersey, New York, North Dakota, Pennsylvania and Utah), MedPay can even pick up the co-pay on the personal injury protection. or PIP, portion of your car insurance or kick in seamlessly with 100 percent coverage after you ve exhausted your PIP.

The premium for MedPay is so miniscule often less than $20 per year for up to $10,000 in coverage that the benefits you d receive on just one claim could pay for decades of peace of mind.

For example, if your health insurance has a $1,000 deductible, a 20 percent co-pay and you have a $5,000 medical claim from an accident, with your health insurance you would typically pay $1,800 out of pocket, says Christy Moulton Perry, director of product management for Great Northwest Insurance Co. But with your MedPay, you would pay zero out of pocket. That s a big difference.

MedPay can be especially important for drivers without health insurance. But forget about using it as a stand-alone substitute. You must carry auto liability coverage in order to purchase MedPay, and you d have to be injured in an auto-related accident to use it.

Unlike liability coverage, MedPay policy limits do not refer to the total available coverage, but instead to the amount available to each covered injured individual. That means if you, your spouse and your two children were injured in an auto accident, each of you could collect the limit amount on your $5,000 MedPay coverage for a total of $20,000. However, your insurer won t pay the same bills under both your MedPay and liability coverage.

If you live in one of the nearly 30 states that allow stacking of auto coverage, you may be able to stack your MedPay coverage by the number of vehicles on your auto policy. That means that if you own three insured vehicles and stack your $5,000 MedPay coverage, you would have a total of $15,000 in MedPay available to you or other covered individuals in an accident.

Despite the compelling arguments in favor of MedPay, nearly one in four State Farm drivers chooses to roll without it in states where it is offered, according to spokesman Kip Diggs. Those who choose to do so can either afford to self-insure for the cost of items covered under MedPay or are willing to roll the dice if it means saving a couple of bucks a month.

But Perry says a smarter move for many would be to boost coverage from the standard levels of $1,000 to $5,000 up to $10,000 or more. The cost to move from $2,000 to $10,000 in MedPay on a Travelers auto policy is around $10 per year, according to agent Shawn Wainwright of Brown Brown Insurance in Florida.

Going up to $50,000 or even $100,000 usually costs very, very little and can be worth it, Perry says. I know one case where the driver only had $5,000 (MedPay) and had a serious accident in which she was disabled for a long time. A year and a half after her accident, her credit had been ruined because she had all of the hospital bills she couldn t pay. Even though the other car insurance company acknowledged liability, she had to wait for the entire claim to be closed before she could get that recovery.

I generally would never tell anybody that they don t need it or don t have use for it, she says. You need that MedPay.

More From Bankrate

What does loan shark mean? #bankruptcy #loans

#loan shark

Wiktionary (0.00 / 0 votes) Rate this definition:

loan shark (Noun)

Someone who lends money at exorbitant rates of interest.

Freebase (0.00 / 0 votes) Rate this definition:

Loan shark

A loan shark is a person or body that offers loans at extremely high interest rates. The term usually refers to illegal activity, but may also refer to predatory lending with extremely high interest rates such as payday or title loans. Loan sharks sometimes enforce repayment by blackmail or threats of violence. Historically, many moneylenders skirted between legal and extra-legal activity. In the recent western world, loan sharks have been a feature of the criminal underworld.

Word of the Day


How Much Does Greece Really Cost? #how #much #does #a #car #insurance #cost


How Much Does Greece Really Cost?

March 7, 2011 / By NomadicMatt

Last week, I wrote an article called Five Destinations to Visit for Under $30 USD . One of the places I listed was Greece. which brought a lot of pleasantly surprised comments from readers. Most people never think of Greece as a cheap destination, lumping it in with the other Eurozone countries as overpriced. However, I ve been to Greece twice and think it s a highly underrated budget destination, especially for Europe.

One commenter didn t agree:

Greece is definitely not cheap, especially not Athens. Clubs charge around €20 entrance fees. The akropolis is like €25 entrance to walk around. Sure, tavernas are pretty cheap, but once you go up from backpacker hostels and low-end tavernas, Greece is hella expensive. I’m waiting until they get kicked out of the euro and go back to drachmas. There is a reason people go to Turkey instead of Greece. Telling people that it’s on par with Thailand and Bali is just plain misinformation

And he s right. Traveling that way would make Greece expensive. But traveling that way could make any place expensive. For example, another place on that list was Bali. Bali is a very cheap destination, but if you stayed in the $1,000 USD resorts, it could very well be hella expensive. The same is true in Thailand. The same is true anywhere in the world.

I m often in New York City. It s not the cheapest place in the world, but it doesn t have to be the most expensive either. Avoid the $200 sushi meals and expensive bars, and you don t have to spend a lot of money. It s all about how you travel. The commenter is right when he says Greece isn t cheap if you go to lots of clubs. It s not cheap if you visit in the middle of July (peak season) and spend your time in Santorini or Mykonos .

So How Much Do You Really Need?

The one thing the commenter missed in his argument is that it s about how you travel. Every place can either be cheap or expensive since everyone spends money differently. There s always someone doing it for less, and there s always someone spending more. So I ve created a number of different budgets to give you an idea as to how much Greece costs depending on your travel style :

(Note: These are daily averages. Some days you ll spend more, some days you ll spend less.)

Budget #2 The Less Broke Backpacker
Hostels 10 euros
Food 7 euros
Beer 10 euros
Activities 10 euros (museums and such)
Total: 37 euros ($45 USD)

Budget #4 The I Only Have Two Weeks, So I Don t Care Traveler
Hotel 25–30 euros
Food 20 euros
Beer 15 euros
Activities 20 euros
Total: 80-85 euros ($108-115 USD)

Budget #5 The Semi-Luxurious Traveler

Hotels 50 euros (this amount of money will get you a really nice hotel!)
Food 25 euros (nice meals with wine all the time!)
Beer 15 euros
Activities 40 euros (museums plus day tours)
Total: 130 euros ($181 USD)

Notes on the Numbers:

  • I m not including souvenirs in these numbers. That s highly discretionary and variable. Obviously, the more you buy, the more your daily average will be.
  • While alcohol is included, if you like to drink or go clubbing a lot, you re going to spend a lot. Summertime on the Greek islands is a bit hedonistic, so if that s your thing, bring extra money.
  • The prices here reflect the shoulder season. Greece s high season is July and August, and if you re going then, I d add a few extra euros a day to your budget.

As you can see, Greece, like any country, has a wide range of budget options. You can do it on the cheap, or you can go nuts and spend a few hundred euros per day. It s all about how you travel. But I included Greece in the original article because when people think about Eurozone countries, they think expensive. While that s very true for many countries on the euro, it s not true for Greece. Compare those prices above with prices in Paris or Amsterdam or Rome, where hostels cost 20–30 euros per night, the cheap food is 5 euros, meals cost 10–15 euros, and beer is a lot more than 1–2 euros! I spent less on a hotel room in Athens than I did for a dorm room in Amsterdam. If you re looking for a budget destination in Europe. Greece is the perfect place to go. It may be on the euro, but that doesn t mean it s expensive.

If you re planning a trip to Greece, consider reading my country and destination guide to the country. I visit every summer, so the information is fresh, accurate, and detailed.

Want to share your tips and advice? Got questions? Visit the community forum to ask questions, get answers, meet people, and share your tips!

What Does Comprehensive Insurance Cover? #comprehensive #auto #insurance #what #does #it #cover


Insurance can be very confusing, whether it is for your home or your car. There are different levels of coverage for all types of insurance, and it is important to know what they are and what they cover before you make a policy decision. Having the right insurance means that your items are properly covered in the event of an accident or other event.

What Does Comprehensive Insurance Cover for My Car?

Auto insurance can be very expensive, especially if you are paying for more coverage than you really need. For instance, if you have an older car without a lien and are maintaining full coverage, you are paying hundreds of dollars more in premiums than the car might actually be worth. Comprehensive auto insurance:

  • Covers all events not typically covered by collision insurance
  • Covers personal items that are inside of the car at the time of a loss, including clothing or other items
  • Covers for fire, theft, flood or vandalism
  • Covers for damages to the glass and may cover for damages to the finish
  • Covers for damages incurred when you hit an animal. While technically a collision, this is usually not covered by other types of insurance.

What Does Comprehensive Insurance Cover for My Home?

As with auto insurance, there are several levels of coverage with home insurance that you should consider. The lower the cost of the insurance, the more exclusions there are likely to be. Comprehensive homeowner’s insurance:

  • Is the most expensive level of homeowner’s insurance coverage
  • Covers the cost of damages from fire, theft, vandalism and other criminal acts and some water damage, although most policies will restrict water damage caused by floods, forcing you to buy a secondary flood policy, especially if you are in a flood prone area
  • Covers the home itself and the property within it
  • May provide some coverage for people injured on your property
  • May cover other items outside of your home, except your car, as long as they are listed on the original or amended policy

There are options in comprehensive home insurance; one policy covers the cost of replacing your home even if it exceeds the stated value of your policy. That type of coverage is not always available and may be even more expensive. The other only pays up to the stated amount, so it is important to know how to choose your coverage amount.

Additional Services You Can Add on to Comprehensive Insurance Policies

In addition to coverage for your home or auto, you can add in additional services, which may drive the cost up but are usually worth it in the long run. For your car, these include:

  • Towing or roadside assistance
  • Rental car while yours is being repaired

For your home, additional services might include:

  • Cleaning and laundry service reimbursement
  • Hotel accommodations or housing allowance while the home is being repaired
  • Food vouchers
  • Special services such as locksmith and others

While comprehensive insurance is very expensive, it is usually a better way to protect your home and your family.

How Does a Mortgage Affect Your Credit Score? ReadyForZero Blog #does #checking #credit #score #lower #it


How Does a Mortgage Affect Your Credit Score?

Buying a house and getting a mortgage is still considered a big part of the American Dream. But as recent years have proven, it’s still risky to take on such a large amount of debt.

Like with all debt, a mortgage requires leveraging your future income. But it could be worth it to you and your family, as long as you understand the pros and cons.

Let’s try to answer the question How does a mortgage affect your credit score? and see how this could affect your financial stability in the future.

Too Many Credit Inquiries Could Backfire

In a perfect world we’d all be able to pay cash for our homes and not have to be in debt to a mortgage company. But even when you save up past the standard 20% down payment. you’ll likely need a bank to help cover the rest of the loan.

Before you can buy a home, the first step is to prepare and get pre-approved for a mortgage. so you know if you’ll be able to afford the house you really want, and if a bank is willing to give you some lending power. Also, most real estate agents will only work with you if you’ve been pre-approved, since it’s a sign you’re a serious buyer.

In order to get pre-approved for a new mortgage. you’ll have to turn in financial documents like your tax returns, pay stubs, W-2s and let the potential lender run a credit check. Doing a credit inquiry can put a “ding” on your report, although if you have several lenders doing a credit check around the same time (within 30 days of each other) the credit bureaus will usually count these as just one check, which is good. However, even one hard credit inquiry can lower your credit score.

Mortgage Debt is Considered Responsible Debt

Even with an unstable housing market in the past few years, having a mortgage is still considered “good debt” because it’s debt that’s tied to a physical asset unlike credit card debt that’s not backed up by any asset.

Lenders want to look at your credit report and see you have a variety of debts mortgage being one of the best types on the list. If you have a good payment history, the more you use credit, the higher your rating will be.

The reason many lenders consider mortgages as responsible debt, is because it shows you’re dedicated enough to take on a mortgage and make the payments. So as time goes on, your credit rating will increase because of this fact (as long as your paying on time).

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A Mortgage Rounds Out Your Credit History

Around 10% of your credit score is determined by the type of credit you have in your report. The goal is to mix up your credit history with personal loans, credit card, and car loans, versus only having one type of credit.

Over the long-term, having mortgage debt improves your credit mix and can help increase your credit score. Having multiple types of credit indicates you re able to handle different types of credit products, and shows you’re less of a risk.

You Have Less Available Credit

Your credit history is primarily used to determine your capacity to repay your debts. If you have a large amount of debt, versus the amount of credit available, you could viewed as a high risk.

Since your debt-to-income ratio is much higher, banks will see you as having less money to pay off your other debts, like credit cards or student loans. Be sure not to take out other types of loans during the time you’re buying a house (no matter how much you want new furniture!), since it could derail your mortgage loan success.

How a Mortgage Affects Your Credit Score

The immediate effect of taking out a mortgage will likely make your credit score go down slightly, but over the next six months to a year, the positive effects of making your payments on time, plus adding another layer to your credit mix, will likely improve your overall credit history and therefore your credit score will also improve.

Just remember, having a mortgage can help your credit but only if you get a mortgage you can handle and manage it well (and make timely monthly payments ). In the end, it is possible to have a mortgage along with a strong credit rating!

This post was published by Carrie, Guest Blogger for » ReadyForZero. ReadyForZero is a company that helps people get out of debt on their own with a simple and free online tool that can automate and track your debt paydown.