Author: Creative Programs and Systems - page 223

Choosing a Company To Service Your Facilities Medical Equipment

Posted on by Creative Programs and Systems

There will come a time and day when all medical equipment within your facility will need to be maintained or repaired.  Do you know who you will call?  There are a wide range of companies available to service medical equipment.  It is important to find a reputable company to work with that offers a wide range of service needs on medical equipment of all kinds including linear accelerators, ct scanners and other life saving pieces of equipment.

Look for a company that doesn’t just repair equipment; look to work with a medical equipment repair company that offers a wide range of services.  Look for a company that offers the following services:  installation, set-up, repairs, preventative maintenance, testing, replacement parts and new & refurbished equipment sales.  Below is a detailed description of what each services entails.

Preventative Maintenance

If there is one thing that all medical facilities should do is set up regular maintenance to be performed on medical equipment.  It is imperative that you follow the manufacturer’s requirements for maintaining your medical equipment to increase the longevity of each piece.  It will also help save your facility money with less equipment downtime, downtime that is scheduled without interrupting scheduled patients and decreases liability issues.

Medical Equipment Installation & Set-Up

It is important to work with a company that also specializes in the set-up and installation of medical equipment.  There is a specific way that medical equipment needs to be handled and set up in a medical setting that needs to be done by specialists trained in operating setup.

On Site and Off Site Repair

The company that you choose to work with should provide both on site and off site repair and maintenance services.  The company should be willing to travel to your medical facility to make assessments, test and repair both operating & surgical equipment and tools on demand.  There should also be a facility in which complicated repairs can be sent that offers the same quality repairs with a quick turnaround response.

Supply and Installation of Replacement Parts, Supplies & Accessories

Working with a company that maintains a large inventory of new and refurbished medical parts for replacement is the best option.  You will want to make sure that they also have their own connections to receive parts and supplies that are not in stock on a moment’s notice to avoid downtime.

A company that works to combine all of the functions one may need to retain their medical equipment is preferred over hiring several individual companies to complete the tasks separately.  One company providing refurbished and new equipment, maintenance, installation, set-up, repair and parts is a solid choice as it allows them to also track, analyze and make recommendations.

RadParts

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Preserving Critical Medical Equipment With Regular Maintenance

Posted on by Creative Programs and Systems

There are many critical tools that are needed for doctors, nurses and healthcare professionals in order to make proper diagnosis.  Healthcare professionals are better prepared for medical emergencies when supported by medical devices that are functioning as they should be.  From performing in the operating room to executing properly in the emergency room if medical devices fail patient lives are put at risk.

If medical equipment fails to work correctly the patients quality of care decreases and it affects their safety.  In order for medical equipment to continue to function properly it is crucial that it is accurately maintained.   This is one reason that medical facilities are known to outsource preventative maintenance services for medical equipment.  Below you will find concrete evidence on why regular maintenance and medical equipment repair are imperative to the health of your patients and medical practice.

Accurately Preserved Medical Equipment is Reliable

Truth be told medical equipment that is regularly maintained following manufacturer guidelines is safer and more reliable for patient care. Regular maintenance on medical equipment also helps to ensure machine operators are protected from machine failure.  Potential issues can be acknowledged and resolved before causing malfunction to the equipment and personnel downtime. It is important to remember that depending on the size of your facility maintenance can be performed in house or out sourced.

Work Smarter Not Harder

All businesses are looking to work more efficiently.  Providing regularly scheduled routine maintenance on medical equipment helps to allow your medical facility, no matter how big or small, to run more effectively.  Being proactive in equipment repair and maintenance allows facilities to plan accordingly for equipment to be down.  Unexpected downtime leads to a decrease in patient care, an increase in scheduling in interruptions and loss of productivity. Scheduling time in advance allows patient care to go uninterrupted.

Save Money and Time with Preventative Maintenance

Preventative maintenance saves facilities a lot of money.  Routine maintenance on medical equipment is significantly less than regularly replacing expensive medical equipment and supplies or paying for emergency repair services.  Instead your equipment is kept operating at the top of its game leading to increased longevity and a higher return on your investment.  In the long run by performing regular preventative maintenance and repairs you are helping to decrease the operating costs associated with running your medical facility.

In order to preserve the reliability of your medical equipment, work more efficiently and decrease equipment expenses it is important to perform regular maintenance.  A schedule can be created online to better help your medical facility track, record and analyze data.   This will help your facility increase the reliability of the medical equipment used within your facility.

Radparts is the world’s largest independent distributor of OEM replacement parts for Linear Accelerators and Radiation Oncology equipment.  We provide high quality, user friendly, low cost parts support for linear accelerators and radiation equipment.  For more information on low cost parts for repairing Linac equipment find us at http://www.radparts.com.

RadParts

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Refurbished Doesn’t Mean Used

Posted on by Creative Programs and Systems

There are certain terms that no matter what context they are used in that have a negative connotation to them.  Words like refurbished and reconditioned conjure up feelings of negative thoughts and opinions just as much as the term used.  Many companies don’t understand why they would be spending money on something if it isn’t brand new or if it is even safe.  Can refurbished electrical components, appliances and electronics be as capable as buying brand new?

Consumers looking to make purchases within a budget may choose refurbished products because they can make their purchases at a substantial discount.   Refurbished electrical components, appliances and electronics are all carefully inspected and reconditioned to standards that are often higher than buying new.  Consumers save money and are guaranteed that the products are thoroughly examined, analyzed and picture perfect.

When purchasing products that are refurbished it is important to work with a company that offers consumers a return policy.  When a purchase is made consumers must have the liberty to use the product and test it out.  A minimum of thirty days for returns to be made should be standard to ensure that the refurbished components are working as desired.

Finding a company to purchase from is the hardest part of purchasing quality refurbished products. Companies that receive components or appliance straight from the manufacturer are preferable to work with however that doesn’t mean that companies that specialize in asset management should be counted out.  Companies, especially those specializing in electrical components offer a service referred to as asset management.

The asset management division in companies concentrates on performing complete electrical clean outs and plant tear downs.  These divisions are made up of experts that are well trained in recovering components to be refurbished.  Thus insuring they are in the best possible shape to be brought back to the facility and reconditioned to the high standards of the company.

A product that is refurbished or reconditioned is labeled as such because it could not otherwise be sold.  The product is not new and can’t be sold as such due to the restraints that are put on selling products as new.  Buying a product that is reconditioned can have a variety of different meanings from being a product that has been returned, has cosmetic damages, reworked or fixed entirely.  Units that are used as displays cannot be turned around and sold as new.  The fact that products can come from a number of different sources is often what worries consumers that are considering buying refurbished.

A good rule of thumb is to look into the company you are purchasing from and the companies return policy.  As long as you are making a purchase from a reputable company that is able to stand behind their products with a fair return process then by all means buy refurbished over new and save money in your budget to spend elsewhere.

J&P Electrical is a full service electrical equipment company.  At J&P, we supply contractors, end users and supply houses with new surplus, quality reconditioned and obsolete electrical equipment. Contact us today at https://jpelectricalcompany.com for all of your bus plug, circuit breaker, switchboard, fuses, disconnects and more.

J & P Electrical Company

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Helpful Tips For Buying Your First Home

Posted on by Creative Programs and Systems

Purchasing your first home comes with many trials and tribulations.  In the first year after closing there are many valuable lessons to be learned.  Here are some things to think about as you begin the process of going from renting to buying.

Think About The Future:  When buying your first home it is easy to get caught up.  At the time you can’t imagine that you will ever need to sell this home you are about to start building your future in.  This however can’t be further than the truth.  The truth is the first home you purchase will most likely not be the last one you purchase.  No matter where you are at or what stage you are at it is important that you take into consideration how difficult it will be to eventually sell when you are ready for the next step.

Checklist:  When you are purchasing your first home, second or third, you will find it is quiet an emotional process.  It is quite possible to overlook things when your emotions start to take over.  Before starting your adventure into buying your first home create a checklist of must-haves, nice-to-haves and other essentials.  Print the list and take a copy with you to each and every house you visit.    Also bring with you a camera.  If you fall in love with a home but with your checklist and photos show that the house doesn’t have any of the must-haves then at least it will make you rethink the purchase?

Budget For Housing Expenses:  When considering what you can don’t just consider the principal, interest, taxes and insurance.  You must take into account the amount you will spend on utilities, home improvement upgrades and costs to commute.  Can you afford the house, the extra expenses while living the life style you have become accustomed to?

Look Into The Neighborhood:  Check out the neighborhood.  Is it a neighborhood that is full of children and growing families?  Do you enjoy the chitter-chatter of kids or will it drive you crazy?  Is the neighborhood full of older adults whose families have grown?  Did you plan on having kids?  Will the lifestyle you are considering for your future fit within the existing neighborhood?

Look Beyond The Staging: We all think we are smart enough that we will not fall for the tricks that are used in staging however the psychology of staging works.  Homes look better when they are occupied.  When you are truly looking to say yes to a home it is important to remove the staging setup from your mind and consider your belongings in the layout of the home. Just because lights are sitting on the nightstands doesn’t mean that there are plugs there to go with it.  Staging can play games with your emotions.

Lady of the Lakes Real Estate is Livingston County’s premiere realtor; out of Pinckney, Michigan helping buyers buy and sellers sell homes that provide a recreational lifestyle including golf courses, lakes and the Huron river chain of lakes, throughout Brighton, Howell, Pinckney and the surrounding area. Find out more at http://www.ladyofthelakes.com.

C21 Lady of the Lakes

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Benefits of Buying Verse Renting

Posted on by Creative Programs and Systems

There comes a time when buying a home becomes more practical then continuing to rent.  Right now the market is at a point where renting is actually more expensive monthly than buying.  Renting has a few benefits that buying doesn’t but instead that if you are interested in buying a home now is a great time to enter the market.  Here are five questions to ask yourself when narrowing down your homeownership goals:

  • What type of home situation best meets your needs?

There are a variety of residential home styles to choose from when you are looking to purchase. Consider all of your options including: traditional style single family homes, duplexes, townhouses, condominiums, co-op’s and multi-family buildings.  There are pros and cons of each and depending on your homeownership goals at the moment will help establish the style of home you should focus on finding.

  • What are must have features you are looking to have in a home?

When buying a home there are certain features that are must-haves, some that would be nice and some that are downright unnecessary but would be a dream.  Create your own list and make sure that it offers a bit of flexibility.  You deserve a home that offers you exactly what you want!

  • What type of mortgages do you qualify for?

Before you hire a realtor meet with a mortgage broker to determine how much you can pre-qualify for and what types of mortgage options are available for your current situation.  Knowing how much a lender will lend will give you a starting point on the price range of homes you should be focusing in on.  Before you begin searching for a mortgage or home get your personal finances in order.  Make sure your credit is in order, you have a solid history of paying your bills on time, substantial savings and a maximum debt to income ratio of no more than thirty six to forty three percent.

  • What amount can you afford to take on monthly?

Another thing to consider after finding out how much a lender will lend is how much you actually feel comfortable paying each month.  Consider the amount of the mortgage, interest, insurance along with utilities and other monthly bills you have.  You will want to be comfortable with the amount that you will be spending each month.  The last thing you want is to be house poor without any money to spare each month.

  • What does your savings account look like?

In order to purchase a home it is important to have a down payment, closing costs and money for the incidentals that will arise after you move in.  Take time to build up a substantial savings before you get serious about looking to find a home of your dreams.

Lady of the Lakes Real Estate is Livingston County’s premiere realtor; out of Pinckney, Michigan helping buyers buy and sellers sell homes that provide a recreational lifestyle including golf courses, lakes and the Huron river chain of lakes, throughout Brighton, Howell, Pinckney and the surrounding area. Find out more at http://www.ladyofthelakes.com.

C21 Lady of the Lakes

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Tips For Buying A New Construction Home

Posted on by Creative Programs and Systems

Buying a new construction home is a once in a lifetime opportunity for most of us.  All of the decisions are up to you, the buyer!  You will be the first person to sit in the tub, the person to choose the paint, the tile; each and every choice will be up to you.  It will be hard not to get caught up in the excitement but avoid that at all costs and remember to focus on what’s important.  The most crucial aspect of buying a new construction home is to have the home inspected thoroughly to allow the builder to remedy problems that exist before closing.  Below are a few important aspects to consider when buying a new construction home:

  • Seek out and hire a professional real estate agent: Many times buyers don’t think about the importance of having their own representation when buying new construction.  When building a new home you are often working directly with an on-site sales agent. It is important to have your own personal agent working with you and the on-site agent.  Don’t feel you need to handle this huge challenge on your won.  The on-site sales agent is in essence representing the builder so it is important that you have a realtor looking out for your interests.
  • Research, Research, Research: When you are making any substantial purchase it is essential to do your research. Look very closely into builders, their work and their references before signing any contracts to further work with any builder.  You will want to be sure that all of their licenses and insurance policies are up to date.  Ask questions about the sub-contractors that they hire and talk with homeowners who have recently had their homes built using the contractors you are considering.
  • Check out the fine print: A contract supplied by the builder which clearly work to only protect the builder and building company not the buyer. This is why it is crucial that you hire a real estate agent and lawyer to review the fine print of any and all contracts with the builder before signing on the dotted line. During each phase it is important to continue being represented.  Review all warranties offered so that you understand what they cover and what is not.
  • Hire a home inspector and proceed with a final walk through: Have the home inspected independently throughout the building process.  The pace builders are putting new construction homes together is gathering speed as the market increases.  Builders are human too and therefore subject to human error so to ensure that nothing is missed an independent set of eyes is helpful for you and the builder.  After the final inspection is done do an official walk through with the builder.  This is a great opportunity to point out both major and minor issues that need to be addressed before closing.  It is easier to address concerns before you are all moved in and settled.

Aspen Construction is an innovative building leader specializing in home additions, new construction, bathroom and kitchen remodeling.  For all of your home improvement needs including electrical services contact us today at http://www.aspencoinc.com/.

Aspen Construction

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Helpful Tips For Buying A New Construction Home

Posted on by Creative Programs and Systems

Tips for Buying a New Construction Home

  • Use an independent real estate agent: Homeowners will want to bring their own representation to the table when buying a new construction home.  The sales representatives that are on hand work in representing the builder’s best interests in a new construction community.  It is in you r best interest to have someone that is looking out only for your best interest when negotiations.  This will help to ensure there is no conflict of interest when working out details of contracts, onsite inspections, and more.
  • A drop in the cost of building is rare instead ask for builder concessions: Builders rarely offer discounts.  They have set, established pricing and tend to strictly stick to these when negotiating contracts.  Instead if you are looking to get more for your money you can seek out a deal by looking to purchase a spec home or model.  These homes have been built to attract buyers and once they have served their purchase are often offered for sale at a slight discount over other homes in the neighborhood.  The drawback is that you will be buying the new construction home as is instead of getting to detail exactly what you desire.
  • Discuss the builder’s warranty: Warranties vary between builders.  Some builders will offer an extended warranty lasting up to ten years for structural issues but put shorter stipulations on wear items such as plumbing, electrical and so on.  Before signing the contract beware of what type of warranty is being offered.
  • Prepare for the unexpected: Occasionally suppliers discontinue materials.  Be prepared to have some of the finishing touches you have chosen to change a bit along the way.  Builders work diligently to prevent major changes from occurring however the unexpected can and does occur in new construction.
  • Require an independent inspection: A home inspector that is independent of the builder should be hired to do a final inspection once the builder has finished your home.  They will go over the various aspects of the home including: plumbing, electrical, roofing, crawl spaces, attic, insulation and so on and so forth.  This will allow and independent set of eyes to inspect the house thus allowing you to get these items repaired by the builder before closing on your new construction home.
  • Reap the benefits on move in day: The excitement of buying a new home is something that all buyers feel but purchasing new construction is even more thrilling. You will be the first person to use the appliances, take a bath in the tub and enjoy a relaxing day on the deck.

Aspen Construction is an innovative building leader specializing in home additions, new construction, bathroom and kitchen remodeling.  For all of your home improvement needs including electrical services contact us today at http://www.aspencoinc.com/.

Aspen Construction

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Taking The Plunge Into Homeownership

Posted on by Creative Programs and Systems

Are you ready to take the plunge into homeownership?  The cost of renting has continued to increase while the costs of buying along with interest rates have continued plummeting.  The purchase of your first home can be quiet daunting.  The process of getting pre-approved for a mortgage, hiring a realtor, finding a home, getting it inspected, getting a mortgage and moving in is quite an undertaking.  It is important to make each of the tasks as simple as possible to help avoid delays and mistakes.  In this article we will offer suggestions for first-time buyers on qualifying for a home loan.

The first question that is most often asked is about the amount that is needed for a down payment.  Most lenders require some sort of a down payment.  It is possible to purchase a home without one however not the best option. Lenders use a combination of things to identify homeowners that qualify for a mortgage verse those that may be too risky to lend to.  These identifiers include the borrower’s credit score and down payment information.  The higher the ratio of property value to the amount the borrower needs the more qualified you become as a buyer.

It is important also for homeowner to understand truly how much they can afford to spend each month on a home before they even begin talking to a realtor.  Many homeowners think that they need to find a home at the highest point at which they qualify.  This however is not the case.  Many borrowers find that a payment at this price point is just too high for them to afford.  Don’t buy based on what you are qualified to receive instead look to purchase a home that you can comfortably afford.

It is important for borrowers to understand the difference between pre-approval and pre-qualification.  In order to be pre-qualified does not access your credit.  It allows you to compare loan details and interest rates without requiring your social security number or credit to be accessed.  Pre-approval means that a lender has run your credit and evaluated your finances.  A pre-approval is the most accurate way to shop for a home but does require a hard inquiry of your credit report.

Homeowners must also understand that their debt to income ratio is also a consideration in home loan financing.  Your total debt including car loans, credit card bills, student loans and mortgage should be no more than thirty six percent of your gross income.  This is the maximum amount that most mortgage company’s desire when lending money for a home loan.

Mortgage lenders will also look at your employment history when looking to lend you money for a home loan.  They consider this an important consideration in the ability to repay a home loan.  If you are a person that hops from job to job you are considered a higher risk than someone with a lower income that has been stably employed.

Cross Country Mortgage in Brighton, Michigan provide mortgage services for clients including new home loans, refinancing, reversed mortgages, new purchase home mortgages and home equity loans to the entire Livingston County area including Brighton, Howell and Livingston County. Cross Country Mortgage Brighton, MI at http://brightoncrosscountry.com/.

Brighton Cross Country Mortgage

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Helpful Mortgage Advice For 2017

Posted on by Creative Programs and Systems

Homeowners looking to refinance or hoping to buy a new home in 2017 all have one thing in common, they will all need to get the money to make it happen.  Below you will find helpful advice that applies to mortgages in 2017.

  • Homeowners can make a small down payment or none at all: Mortgage brokers are constantly dispelling the myth that a twenty percent down payment is required.  Some mortgages require no down payment at all or as little as three percent.  Zero down mortgage options are available as part of programs through the VA, Rural Development and Navy Federal Credit Union for purchase of a primary residence.  
  • Homeowners no longer need perfect credit: FHA loans are a popular option in lending when a homeowner has less than perfect credit.  The average homeowner has a credit score of around six hundred eighty six.  In order to qualify for an FHA mortgage homeowners must have a credit score of five hundred and eighty or higher with at least three point fiver percent interest down.  If your score is lower than five hundred eighty, in order to get an FHA mortgage homeowners will need to have at least ten percent down and a mortgage lender that would give you the loan. 
  • Homeowners should keep money in their saving: Most mortgage lenders do not like to see homeowners deplete their savings in order to buy a home. Houses come with unexpected expenses that will need to take care of and lenders expect that this can be done without having to miss making a home loan payment. 
  • Homeowners can save a great deal by refinancing a fifteen year mortgage: Mortgage rates have been at all time lows for a while now so one can only assume that 2017 will bring a rise in interest rates.  Refinancing is still an option many people turn to even after interest rates have risen for many reasons including: divorce, finally recovering from a low credit score, to get rid of their existing PMI, to cash out equity in the home or to save money in financing to a shorter mortgage period.  
  • Homeowners should only borrow what they can afford to repay: It is important that homeowners don’t over stretch their payments.  Do not get into a mortgage for more than you can afford no matter how appealing the home is.  A good rule of thumb to live by is to never spend more than thirty six percent of your income before taxes on your mortgage and other financial obligations.

Cross Country Mortgage in Brighton, Michigan provide mortgage services for clients including new home loans, refinancing, reversed mortgages, new purchase home mortgages and home equity loans to the entire Livingston County area including Brighton, Howell and Livingston County. Cross Country Mortgage Brighton, MI at http://brightoncrosscountry.com/.

Brighton Cross Country Mortgage

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Planning For Your Future Through Estate Planning Installment 2

Posted on by Creative Programs and Systems

In the last installment we established that there were three main documents needed to delegate control as the end of life became inevitable: a durable power of attorney, a release of information and advance directives.  Each document serves a purpose in establishing care while you are still living if and when you become unable to do so yourself.

A power of attorney is drawn up in the presence of an attorney and witnesses to formally determine who you wish to leave in charge of your finances and legal affairs when you are no longer fit to do so.

A release of information is a form that is given to hospital personnel to give them the permission needed to discuss your medical history and take future actions regarding your medical health. This designated representative will receive valuable information regarding your medical records.

Advance directives are drawn up to allow people to make decisions on your behalf.  A durable power of attorney for health care allows you to name a representative that is in charge of making medical decisions on your behalf should you be unable to do so.  A living will is in place to help guide your durable power of attorney for health care in that it specifically lays out the medical treatment you are allowing in your treatment and that of which you do not wish to receive at the end of your life.

An estate planning attorney will draw up the necessary papers to help your family avoid probate.  During the probate process, without the proper paperwork in place, the court will decide all matters having to do with your estate.

This process can range from paying a few hundred dollars in court costs, filling out some forms and having the court settle your debt and distribute your property all the way to a complicated month’s long ordeal that ties up your estate and ends up costing your family thousands of dollars.  No matter which route your family is not in control.  This can all be avoided by meeting with an estate planning attorney and getting the proper paperwork in place.

In estate planning an attorney will help you to set up trusts.  A trust basically allows possessions to go to the names trustees upon your death.  While you are living you remain a trustee and therefore control remains with you.  With a trust in place you avoid probate, fees and public scrutiny of your private affairs.

Another benefit of estate planning is the ability to divvy up your personal belongings as you wish.  This helps to avoid conflicts that arise during the emotional period after your passing.  One way that this can be set up if you aren’t interested in going through each and every item you own is to create a specific strategy for dividing your property. A creative way to do this is to allow your executor control to set up an online auction between members of your family.  Each member is allotted a certain number of tokens or credits to bid on items that they wish to own.  Another option is to start gifting items as you see fit while you are still alive which allows you to see your loved ones enjoying them.

Estate planning also allows for you to create an individualized memorial and funeral.  If you are interested in a celebration of life over a mournful gathering create a personalized plan of action to be followed upon your passing.  This allows you to be in control to decide if you will choose to be cremated or buried, if you will have a religious burial or other specific details that may be important to you it is crucial that you prepare in writing these desires.

Estate planning is as much for the living as it is the deceased.  Contact a local estate planning attorney for more information on providing your family with the peace of mind they desire in the event of your untimely passing.

The Law Office of Sean J. Nichols is dedicated to assisting clients throughout legal issues that come with aging including: elder law, estate planning, probate law and more.  Check out the Law Office of Sean J. Nichols at http://www.seanjnichols.com to contact an estate attorney today.

Sean J. Nichols

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