HOW CAN I IMPROVE MY CREDIT SCORE?

 Approved

Did you follow our advice and request a free credit report from one or more of the three credit agencies—Equifax, Experian, and TransUnion?  If not, you can get a copy of your credit reports by completing the request form at AnnualCreditReport.com or call (877) 322-8228.  Mail the completed form to the following address:

Annual Credit Report Request Service 
P.O. Box 105281
Atlanta, GA  30348-5281

If your free credit reports have arrived, study each one carefully.  Your credit score is determined by the information in your credit reports. Is the information correct?  Be sure that there are no late payments incorrectly listed.  In addition, be sure that the amount owed for each of the accounts is correct.  If the report contains an error, dispute it with the credit bureau.  Be sure to send your response in writing, and keep a copy of your letter.

One of the most important things you can do to improve your credit score is to make your payments on time.  By making your payments on time, you are building a good credit history.  Do you have a system for paying your bills?  Some individuals pay the bill as soon as they touch it.  This assures that the bill will not be set aside and forgotten.

Other people like to gather up all the bills and pay them at one time.  If you use this method, be sure that you allow sufficient time for the check to be delivered.  It is very important that the bill be paid on time.

Maybe you prefer to do your banking online.  You could set up automatic withdrawals from your bank account for your mortgage payment and your car payment.  Remember that you must maintain a sufficient balance to avoid overdraft charges.

You can also improve your credit score by reducing the amount of debt you owe.  Stop using your credit cards.  Pay off the balance on your credit card accounts.  How can you do this?  Make a list of all your credit card accounts, the amount you owe on each, and the percentage of interest charged on each one.  Put most of your cash available for debt payments into paying off the balance on the account charging the highest interest.  Continue to make minimum payments on the other accounts.

Reduce your expenses.  Keep a list of everything you buy.  Do you really need that Cinnamon Dolce Latte Grande for $4.25 at Starbucks?  Could you do without the newest  electronic gadget?  You will be shocked to see how all these small purchases soon add up to “real money.”  Put this extra money into paying off your credit card debt.

Hand Sanitizer and Hand Washing… When is one or the other appropriate?

Clean Hands

As opposed to using hand sanitizer, you MUST wash your hands when?

  1. Prior to patient contact
  2. Before a clean or aseptic procedure
  3. When blood or other bodily fluid comes in contact with your skin
  4. All of the above

You should wash your hands with soap and water when they have been exposed to bodily fluids or are visibly soiled.

 

THE GOOD LORD WILLING AND THE CREEK DON’T RISE

Nursing Talk

Dear Cassandra,

Sometimes I don’t feel like going to work. Maybe the Cubs and White Sox are playing. Maybe I stayed up late watching a movie, and I’m tired. Maybe I just don’t want to go to work. Why should I?

—Wants to Stay Home in Chicago

Dear Wants to Stay Home,

Why should you go to work? You don’t have a good excuse for not going! You are not sick. You are not in the hospital. You are not dead. You just don’t feel like going to work.

Say you lived in French Lick, Indiana. French Lick is a small town in the heart of Hoosier National Forest. In the early 1900’s, it was a destination for the wealthy because of the “curative” powers of the mineral spring waters. Two elegant hotels were built to accommodate the visitors. The West Baden Springs Resort, opened in 1902, was proclaimed as the eighth wonder of the world. The French Lick Springs Hotel was a Gilded Age beauty with mosaic floors, faux marble columns, and exquisite paintings on the lobby ceiling.

West Baden Springs Hotel operated until 1932. The stock market crash of 1929 and the shifting patterns of vacationers forced the hotel to close. In 1934, it was sold to a Jesuit order for a dollar and served as a seminary for thirty years. After that, it was sold several times. Over time, it became a ward of the bankruptcy court, and neglect took its toll. In 1992, the building was listed on the National Trust for Historic Preservation’s 11 Most Endangered Historic Places.

The struggling French Lick Springs Hotel had continued to operate since the turn of the century. However, it needed restoration. The elaborate plasterwork on the lobby walls had been covered by blue and white paint. Eight hundred rosette lights had been painted over. The mosaic floor in the lobby needed repair. The rooms needed updating. The Historic Landmarks Foundation of Indiana stepped in and bought the West Baden Springs Hotel. Bill and Gayle Cook, who made their fortune manufacturing medical devices, invested $382 million in the restoration of the hotels, the building of golf courses, and new spas. The Indiana State Legislature granted an additional casino license, and a casino was attached to the French Lick Springs Hotel. Today French Lick is again a tourist destination.

Now let’s get to the point. French Lick sits at the bottom of huge hills covered with trees. If there is a six inch rain, water rushes down the hills and covers the bridges leading into town. Parking lots are flooded. Businesses like Big Red Liquors, CVS, and Subway survive because the buildings have been built three feet above parking lot level. Customers can’t get into the businesses, but the merchandise stays dry.

If you lived in French Lick and you could not get to work because the streets were flooded and the bridges were covered with water, you would have a good excuse. Alas! You do not live in French Lick.

Besides, you gave your word to go to work that day. Someone is counting on you. So, buck up. Pull yourself out of bed. Put on your clothes, and get out there! You are lucky to have a job. Millions of people would love to be in your shoes.

—Cassandra

Note: First published on American Home Health's news, September 2011.

The Single Most Important Reason to Practice Good Hand Hygiene

Hand Hygiene

What is the single most important reason for healthcare workers to practice good hand hygiene?

  1. To remove visible soiling from hands
  2. To prevent transfer of bacteria from the home to the hospital
  3. To prevent transfer of bacteria from the hospital to the home.
  4. To prevent infections that patients acquire in a health care setting.

While all answers are good reasons to practice good hand hygiene. Improved adherence to hand hygiene has been shown to terminate outbreaks in facilities, reduce the transmission of antimicrobial resistant organisms and reduce the overall infection rate.

 

Regular exercise can help reduce falls…

Elderly Couple Walking

Regular exercise can help reduce falls by doing which of the following?

  1. Keeps muscles strong
  2. Keeps joints and tendons flexible
  3. May slow bone loss from osteoporosis
  4. All of the above

Regular exercise helps keep you strong and improves muscle tone. It also helps keep your joints, tendons, and ligaments flexible. Mild weight-bearing exercise, such as walking and climbing stairs may even slow bone loss from osteoporosis.

 

American Home Health’s Newsletter – May 2016

May Newsletter

Topics Inside:

WASH YOUR HANDS

Handwashing is easy to do and it’s one of the most effective ways to prevent the spread of many types of infection and illness in all settings— from your home and workplace to child care facilities and hospitals. Clean hands can stop germs from spreading from one person to another and throughout an entire community .  Learn More…

RENEW YOUR DRIVER’S LICENSE ONLINE

Do you hate going to the Drivers’ License Examining Station to renew your license? Is it hard to find a place to park? Is the facility always crowded? Is it difficult to fit a visit to the Drivers’ License Examining Station into your schedule?  Learn More…

And more…