Cardiac Rehab is a treatment program for patients diagnosed with heart disease to recover faster and return to their normal pace of life. It teaches the patient how to live with heart disease, and how to bring about a change in lifestyle and follow the right path to a healthy and strong heart.

Cardiovascular diseases cause 50 % of deaths in the U.S.A. Coronary Heart disease affects 13.5 million Americans. Genetic disposition, sedentary lifestyle, misguided eating habits and lack of exercise are the root causes of this problem. Cardiac Rehab tries not only medical treatment but also a complete overhauling of lifestyle to fight heart disease.

The Cardiac Rehab program aims at improving each patient's health and long-term prognosis. It may be initiated after a coronary event (heart attack, hospitalization, heart failure) or a heart procedure (angioplasty, stent, surgery). A team of doctors, nurses, counselors and therapists design a suitable Cardiac Rehab program for each patient after detailed testing and examination.

There are usually three to four phases in a Cardiac Rehab program. Phase one begins when the patient is first hospitalized recovering from a heart condition or surgery. It is initiated in the hospital and may continue throughout the stay. Its goal is to deter the negative effects of bed rest, and bring about lifestyle changes that will minimize the chancres of a relapse in the heart condition. For example, at first you have to learn how to take care of yourself (grooming, bath etc), then find out how much exercise you can handle and start a weight training program.

Phase two is a major outpatient program started soon after discharge from the hospital. It lasts typically for 36 visits to the hospital or Rehab center. To start the exercise regimen, the patient must undergo a level treadmill test, so an exercise regimen will be tailored according to his need and condition. The entire program consists of starting on a strict exercise program and participation in group discussions, as well as individual counseling. Phase 2 Cardiac Rehab is reimbursed through Medicare and most other insurance agencies.

The program involves close monitoring of the patient's initial exercise regimen, directing his return to work and leisure activities, developing a safe home exercise program, and providing counseling to treat any depression or to ease the change to a new lifestyle. Throughout Phase 2, the patient's heart condition is monitored through Electro Cardiogram tests (ECG) on a weekly basis. High-risk patients are watched even more closely.

On completion of Phase two of the Rehab, the patient and referring doctor receive a report card, showing a comparison of several parameters tested during those 36 visits to the Rehab center. This includes body weight, blood pressure, heart rate, exercise capacity, and cholesterol level, and enables the physician to judge the results of phase 2 and the current health status of the patient.

Phase 3 is a maintenance program. It is started after judging phase two. Phase 2 patients may be referred to Phase 3 for continued supervision. Enrollment in phase 3 may not require a physician's referral.



For years, drug rehab programs and alcohol rehab programs have been opening in Florida. Everything from detox to inpatient addiction treatment and extended or long term care are available for the general public. There have been drug rehab programs for eating disorders, sexual trauma, men and women, but very few drug rehab programs for the gay and lesbian population. Even today, there are only a handful of drug rehab programs that specialize in gay drug rehab or gay addiction treatment and a few more with specialized gay drug rehab components within the actual drug rehab. While there are many more drug rehab programs with gay a component then true gay drug rehab programs, not many of them have staff trained in issues specific to the gay population. Issues such as homophobia, internalized homophobia, coming out and sexuality often go untouched, not to mention, the sensitivity training that must take place for the other members of the staff.

Certain areas more sensitive to Gay Drug Rehab and Gay Alcohol Rehab

I think it is safe to say there are certain areas in the state of Florida that are more sensitive to the gay, lesbian community than others. Some of the areas might include Miami, Fort Lauderdale, Orlando, Tampa and Jacksonville. Each of these cities have substantial gay populations and services to match. It stands to reason that opening a drug rehab with a gay addiction treatment component or a gay drug rehab in these areas might be easier to manage due to the community support and ancillary community services

Jacksonville Florida Drug Rehab Opens Gay Addiction Treatment Component

For as long as anyone can remember, there has not been any drug rehab programs with gay drug rehab components in Jacksonville providing addiction treatment services to the gay and lesbian community. This statement is especially true when we speak of gay drug rehab programs. What is sad is that within the Orlando, St. Augustine, Jacksonville area there is a significant gay, lesbian population. We are happy to report that a drug rehab has opened a gay component within its addiction treatment program called Freedom Rings, which can be found at www.lakeviewfreedomrings.com [http://www.lakeviewfreedomrings.com/] This may be the beginning of a trend in Northeast Florida to begin paying more attention to treating drug addiction and alcoholism within the gay and lesbian community.

Why a Florida Drug Rehab or Alcohol Rehab

Florida has quite a few licensed drug rehab facilities in the state, and many use Florida's beautiful landscape to assist patients in their recovery from drug addiction and alcoholism. Most of the Florida drug rehab and alcohol rehab programs offer the same addiction treatment programs as drug rehab and alcohol rehab's in other parts of the country, however Florida has become a popular choice for those seeking a new environment and a new start. There are some perks for people who want to attend a drug rehab or alcohol rehab in Florida as well. You will find many of the addiction treatment services offered there are held outside. This provides the patient with an entirely different addiction treatment experience than just sitting in a closed room.



"Bad credit card card"
is used to refer to credit cards that can be obtained even with a bad credit rating. The bad credit card cards provide opportunity to people (with bad credit rating) to improve their credit rating. In that sense, bad credit credit cards act as rescuer for such people. So, bad credit credit cards also act as necessary a training ground for people who have not been able to control their spending urge in the past.

Bad credit card cards are commonly known as secured credit cards. The bad credit card card (or secured credit cards) requires the individual to open up an account with the credit card supplier and maintain some cash balance in the account. Why is that required? Well, credit cards are a business for the credit card suppliers; so how can they trust someone who has defaulted on his/her payments in the past? After all, a business is about profits and such risks are a threat to profits. The bank or the credit card supplier will generally pay interest on the balance in your account. However, it's best to check this with the bad credit card card supplier/bank. The credit limit on the bad credit card card is determined by the cash balance in the account and is generally between 50-100% of the cash balance. These bad credit card cards are also referred to as debit cards, owing to the fact that they work less in a credit-giving manner and more in a debit-giving manner.

There are plenty of bad credit card cards available in the market. When searching for the bad credit card card that is best suited to you, you should consider 4 things in particular: the minimum balance that you are required to maintain in the bank account, the credit limit that you will receive (i.e. the percentage of your bank account balance that you are allowed to spend on your bad credit card card), the fees/other-charges applicable to the procurement of bad credit card card and the rate of interest that you will receive on the balance in your bank account. An ideal bad credit card card would have no fee/other-charges associated with it and would require zero or a very small amount as minimum bank balance. It would also have something like 90-100% of bank balance as its credit limit. Moreover, an ideal bad credit card card would also offer a good interest rate on the bank balance.

Bad credit card cards are really a good concept that provides respite to people with bad credit rating by letting them enjoy the benefits of credit cards while they mend their credit rating.





School loans and also Student Debt Loan levels have become something of an item recently. The debt level for college students and therefore graduates is overflowing and many are looking at a multitude of options for financing their education. One choice some might not be conscious of is community-based Student Debt Loan, which are a lot like crowd-funding.


Credit unions likewise may be able to arrange some funding for college, though it might come in the form of a "personal loan for educational purposes." However, they also might lend at better terms than a Student Debt Loan. Numerous credit unions are also, according to Student Debt Loan, offering student loan consolidation programs. Each student and or their parents will have to do their homework on community loan organizations and credit unions in their area to learn more.

Best Solution Student Debt Loan

Student Debt Loan are likely to college and need some cash to do it could be able to get a community-based student loan dependent upon the area they go, according to a Student Debt Loan. These community organizations are showing up all over the world, and Market Watch has most of the details.

It is just like the recent "crowd sourcing" that has been going on. The funds are all put into one big pot and loans are made from it.

MarketWatch pointed out that it is not even a brand new idea since the Canton Student Loan Organization in Ohio has existed since 1976. The organization has given over 500,000 students more than $27000 million in loans.

The loans are repaid with interest just like other crowd funded Student Debt Loan such as Prosper.

Certainly not government

The community-based student loans debt fit between federal student loans and private loans when it comes to cost, according to Daily Bankrate and MarketWatch.

The cost of going to a community bank or credit union for a private loan is higher than going to Sallie Mae normally. Sallie Mae accounted for 39 percent of all Consumer Financial Protection Bureau complaints made about student loans.

Private loans can be as high as 21 percent interest, and federal Stafford loans almost always have the very best rates. Community-based loans usually are much harsher and require massive forms of collateral, according to MarketWatch, but interest can range from no interest at all to around 8 percent.

Do some homework

The Student Debt Loan do not have a lot of cash on them, which is why the loans are generally pretty small. It is enough to cover tuition and books, but typically it is not much more than that, according to the Bankrate.





Make sure they know it about Mortgage Loan

A cash buyer is much more appealing because they do not need loan approval for the process to go through. That is why they can usually get more stuff out of the deal. They might be able to get a faster closing date, house fixes, a warranty and many other things such as closing costs.

Buy A Home Mortgage Loan

To be able to keep away from potential legal problems in the future, it's a good idea to use a real estate broker or lawyer who has Buy A Home Mortgage Loan. You want a clear title on the property, and even in a cash deal, things can accidentally be overlooked.

Know how much you can spend

You should not just take everything you have and put it into a house. In fact, you need to consider what a mortgage would cost you and in case you are really going to make money on the deal. On top of that, you need to make sure you have plenty of cash left over for emergency situations.

Get it checked out first yout mortgage

Before you move in, you will want to make sure there are no issues with the house by getting a property inspection. This may also help you stay away from spending thousands of dollars in unpredicted fixes later. You may also want to have the seller pay for the inspection, Buy A Home Mortgage Loan which is very easy if the seller has had the house on the industry for a really long time.

Figure out your costs

Buy A Home Mortgage Loan Sale and post-sale costs should be estimated ahead of time. Transaction costs, origination fees, property appraisal and mortgage interest can be saved with a cash sale, but in the end, purchasing without enough info can lead to you paying more due to a low-ball Buy A Home Mortgage Loan valuation or higher taxes. House improvement costs might be high, so looking into that before getting is wise.

Purchasing a house with cash tip No. 6 - Determine what no mortgage means

Remember, there are tax benefits to holding a mortgage. A cash sale will mean that you won't be holding that kind of good debt on your ledger. Having a mortgage on your credit rating can make it easier to borrow or obtain good rates on other financial goods like charge cards.

Appraisal still significant

While it may cost a few hundred dollars, having your potential brand new home appraised is the only way to know for sure that you are buying at true current industry value.




How to Reduce Credit Card Your Debt

Credit can be a useful tool in controlling debt. The government has mandated that all individuals be allowed an annual free credit report. When accessing this report make sure that you have gone to a truly free credit report site. There are several features to look for though if you plan to use a credit card in this manner. As is always the case before you scrutinize any credit card option, you should first have a clear understanding of your credit card situation.

Whenever you are approaching a decision about your credit it is of primary importance to pull your credit report. The properly chosen credit card can, in fact, be used to consolidate debt. There are several features to look for though if you plan to use a credit card in this manner.  Some companies lure people into their sites by advertising a free credit report and then ask for credit card information. Free credit reports are available from such sites but if you have supplied them with credit card information you may find that your card will be billed thirty days later for a credit report update. The charges will continue ever thirty days or so after the initial billing until you have cancelled the service. The best idea is not to give out any billing information in order to receive your free report.

Get a report from each of the three credit reporting agencies (Experian, Trans Union and Equifax). When you ask for your report the site will also offer to send a credit score (FICO score) for a small additional fee; knowing your FICO is also beneficial and generally worth the nominal cost. Again, read the fine print and be careful not to set up any ongoing transactions.

After receiving the three reports analyze them carefully. You are unique but your name may not be. Make sure all the credit card bills are actually yours. Also check to make sure your social security number is listed correctly. Social security numbers are keyed in by hand and thus subject to error. One digit misplaced can give you someone else’s derogatory credit. Report any errors to the agencies. Make the report to all three agencies as they do not share information.

Now you have a list of all the revolving credit card debt that you owe, the balances and contact information. This is the money owed that may be ripe to consolidate on one credit card. Contact the creditors and find out what the current interest rate is on each card and if there are any programs which would allow you to reduce that rate. Let the companies know you are actively shopping for alternatives to your current rates. Customers in good standing with their credit card companies, customers with high FICO scores and customers who regularly charge and make their payments are valued by credit card companies. It may be that you will be offered incentives to retain their cards. Also, inquire about any balance transfer opportunities or other programs such as frequent flier miles.

Now you are going to design your own program to consolidate credit card debt. Compile a list of all the companies with columns comparing the like features: Interest rates, penalties, incentives, credit limits. When choosing which company to use to consolidate your credit cards, look at all the features not just the interest rates. Narrow down the options to two or three cards. Speak with company representatives. It may be possible to negotiate even better terms.

Once you have chosen an institution with which to consolidate credit card debt [http://www.springfieldsocialist.com/category/finance-guides], follow through and transfer as many of your outstanding balances as possible to that one card. Adjust your credit card behavior and be disciplined about your use of credit. Cut up all the other cards. You may even wish to close all accounts other than one for emergencies. Don’t carry the two remaining cards in your wallet. Remember, charge cards are nice as long as you, not the card, are in charge.



Consolidating credit card debt is regarded as the first step on towards credit card debt elimination. Even before you take last step towards consolidating credit card debt, you must understand that consolidating credit card debt or balance transfer is an action that you are taking to eliminate credit card debt. Consolidating credit card debt is not a means of deferring the problem for later.

Consolidating credit card debt is indeed a good option in more than one sense. Not only do you get relief from the rapid increase in your credit card debt, but also get other benefits too. Offers for consolidating credit card debt are in abundance and are very attractive indeed. Almost all the offers for consolidating credit card debt have an initial low APR period during which the APR is generally 0% (or some low figure). In fact, this is one of the main things which make consolidating credit card debt a very attractive option. Besides this low APR, the offers for consolidating credit card debt also include things like no interest rate on the purchases made during first 5 months (or some other initial period) of balance transfer. This is another thing that lowers the speed at which your credit card debt gallops. So these are the two most important benefits that credit card suppliers deploy to attract people into consolidating credit card debt with them.

Then there are other benefits which include things like additional reward points on the member's reward program of the credit card you are consolidating credit card debt to. These reward points can be redeemed for other attractive goods/rebates/rewards etc. Sometimes, the new credit card (i.e. the one you are consolidating credit card debt to) might be a credit card that caters more to your current spending needs both in terms of the credit limits and the way you spend your money. For example, the new credit card might be a co-branded one offered by an airline that you have started travelling with very frequently in the recent times and consolidating credit card debt on such a card may open up much more benefits as compared to your current credit card which was based on your needs at the time of you applying for your current credit card. The credit card you are consolidating credit card debt to might open up discount offers to you.



Most people advocate the case of credit cards, quoting the benefits and convenience that arises from them. However, there is another group/line-of-thought that strongly opposes credit cards. The reason being 'Excessive Credit Card Debt', which is one of the most serious problems faced by the credit card holders and credit card industry. However, you can't pull the shutters on the credit card industry just because of a few irresponsible people (or even if it's more than few). That is not a solution for beating excessive credit card debt. Moreover, you can't overlook the benefits associated with the credit cards.

The issue of excessive credit card debt can be looked at from 2 angles. First is addressing of the excessive credit card debt problem at the industry level and second is the addressing of the excessive credit card debt problem at the individual's level i.e. at the credit card holder level. The first method involves increasing awareness of the excessive credit card debt problem to the masses. This is more or less being done currently too. However, there should also be an effort to tackle this problem of excessive credit card debt at an even deeper level. This means trying to devise a mechanism to nip the problem (of excessive credit card debt) in the bud. This mechanism should actually be a part of the overall system. A lot of thought needs to go into devising such a mechanism. Case studies should be taken up, statistics gathered and a proper forum formed (with representatives from the credit card holders and from the credit card suppliers). As of now, the credit card suppliers just seem to be engaged in coming out with new products and getting customers enrolled to those products. There is little attention paid towards addressing the problem of excessive credit card debt in the real sense. Something like attending mandatory seminars on the root causes of excessive credit card debt could be made part of the credit card application process.

Another way of dealing with the problem of excessive credit card debt could be: developing a system for calculation of applicable credit card limit at the individual level i.e. no standard/product-based credit limits. Then there could be mechanisms for proactively warning the users about excessive credit card debt (based on their credit card usage) or even imposition of early restrictions on noticing the first signs that lead to excessive credit card debt.

At the individual's level, the treatment of the problem of excessive credit card debt would include following of best practices (on credit card usage and avoidance of excessive credit card debt) by the individuals themselves. A checklist or a set of questions could be provided to individuals for recognising the first signs of excessive credit card debt.

So, the problem of excessive credit card debt can surely be dealt with by putting together some serious thinking at a broader level together with discipline at the individual's level.



What's the thing that is most prominent on any credit card ad? Well, it's the credit card rate (or the APR, as we know it). The credit card rate is the most publicized thing in the world of credit cards. A lot of people just compare the credit card rate of various credit cards and just go for the one that is offering the lowest credit card rate (or APR). Credit card rates are, in fact, one of the most important factors in the selection of a credit card (though not the only factor). Therefore, a proper understanding of Credit card rates is even more necessary.

So, what is a credit card rate or APR? Very simply, credit card rate is the rate of interest that the credit card supplier will charge you with on the amount you owe them. The credit card supplier will charge you an interest only if you don't make full payments in time. When you receive your credit card bill, it specifies the full amount you owe the credit card supplier. It also specifies the minimum payment that you must make (by a particular date), in order to avoid incurring a late fee and other inconvenience. You have the option of making either a full payment or just the minimum payment. If you make a full payment (by the due date), you are not charged any interest. However, if you decide to go with the minimum payment or some amount that is lesser than the full amount, the credit card supplier will charge interest based on the credit card rate and the balance amount. This credit card rate is the interest rate that you agreed with them at the time of applying for the credit card.

The credit card rate or the annual percentage rate, as is obvious, is an annual interest rate. The credit card suppliers use this annual credit card rate to calculate the monthly credit card rate and then they calculate the interest on the balance amount that you owe them. The balance amount here is simply = Full amount - (payment made by you). This interest is added to your balance for the next month (at the time of next billing cycle). If you again make a partial payment, the new balance is calculated again and the credit card rate (monthly one) applied to it for calculation of new interest; and it keeps going on and on until you make the full payment.

That's how credit card rate acts in this vicious circle. Hence, credit card rate is termed as the most important consideration in choosing a credit card.


We all know the key to good health begins with a dose of prevention--eat right, exercise regularly, and get a good night's sleep. Your financial health is no different. By taking a few steps of prevention today, tomorrow your finances will have a clean bill of health freeing you to live a life of opportunity rather than of difficulty.

Keep the Right Perspective

Much of the problem with credit card debt problems comes from changes in credit card availability, advertising, and values over the past 75 years. According to Linda Tucker, Director of Education for Consumer Credit Counseling Service in North Little Rock, Arkansas, it wasn't until the 1960s that credit cards started becoming available to the average consumer. Now today, nearly everyone has access to a credit card.

Advertising plays a role too. Howard Dvorkin, author of Credit Hell: How to Dig out of Debt and founder of Consolidated Credit Counseling Services, an organization that provides education on debt and a debt management program, says that according to one survey consumers are exposed to 300-400 advertisements every day. Combine this with a shift from saving for the future and we have a society trying to keep up with the Jones' satisfying the desire of the moment. Add the purchasing power that comes with a credit card and you have the perfect formula for disaster.

But it doesn't have to be this way. If there's one thing Dvorkin wants consumers to know, it's that you don't have to be a slave to the credit card company or even to the seduction of advertising. You can have control over your financial health without depending on a credit card!

Manage your finances

Starting with a strategy will help keep you on track before you ever even pull out the credit card. According to Tucker the first step is determining your monthly income and needed expenses. As part of these monthly expenses, figure in 5-10% of your income to set aside for emergencies, long range savings such as a retirement account, and short term savings. If you have some savings then you avoid having to put large amounts of debt on a credit card in times of a crisis.

Setting up a budget is not always easy, so if you want some help Consolidated Credit Counseling Services offers free budget counseling. You can also consult your phone book to see if your community has a local office of Consumer Credit Counseling Service.

Setting up a budget is just the first step; sticking to it is the next, and often more difficult task. To help keep you on track set goals and put motivators in place. Tucker suggests setting a savings goal with a deadline. Savings goals can include emergencies, vacations, cars, and of course don't forget long range goals such as retirement. Tucker also says a reward program can be a great motivator as well. Just keep in mind that whatever you choose as a reward, it shouldn't compromise the hard work you've done in managing your finances.

Finally, you need to monitor how much you charge on your card in relation to your credit limit. You should never charge more than 30-50% of your available limit otherwise your credit score could go down. For more information on credit scores read our article On the Path to a High Credit Score.

Powered by Blogger.

Popular Posts

Blog Archive