Thursday, August 14, 2014

Those Greedy, Caring Nurses

Capitalism works well in the work force, especially for those who choose careers that have an obvious demand like nurses and doctors.

The Bureau of Labor Statistics shows the median annual wage for registered nurses at $66,220 in May 2013. The job outlook at 19% is faster than the average growth rate for all occupational categories. For a profession that requires only an associate degree for entry-level positions, this is a highly-rewarding career.

How much a registered nurse makes is largely determined by education, experience, training, geographical location, and the industry where the job being is offered.

Entry-level RN positions, which require at least an associate’s degree in nursing, pay $45,630 per year or $21.94 per hour. These are positions constituting the lowest 10-percentile of registered nurses. Registered nurses in specialty areas earn a $70,590 annually. Those with much longer specialized training and higher education have corresponding salaries, too. According to, neonatal nurses earn around $106,000 annually as of July 2014.

Geographical location definitely matters in terms of RN wages and salaries. California is the top-paying state where registered nurses earn an annual median of $96,980, or $46.62 per hour. Texas, New York, Florida and Pennsylvania follow, in that order.

RNs’ wages and salaries also depend on the industry or job category where the position falls under. Here are some of the industries and job categories where a registered nurse finds a job and the corresponding pay:

1. Federal executive branch – RNs earn $38.07 per hour, or $79,190 annual mean wage, as members of federal agencies’ workforce. They work in the different departments responsible for disease control and prevention, healthcare administration, Medicare and Medicaid services, and rural health assistance.

2. Aerospace products and parts manufacturing – a little less than 200 RNs work in this industry and earn $35.67 per hour, or an annual mean wage of $74,200.

3. General medical and surgical hospitals – this is the industry where there is the highest concentration of RNs. It pays an annual mean wage of $70,590, or $33.94 per hour.

Flight nurses earn an annual median of $71,791. RNs in the Insurance and Benefit Funds industry earn as much as $78,600 a year. Even home-based jobs prove lucrative for RNs.

A medical writing job, for instance, provides an annual income of $69,000-$110,000, according to the American Medical Writers Association. Various jobs, both in the clinical and non-clinical settings, offer opportunities for RNs and a wide range of salary potentials.

Tuesday, August 12, 2014

Well Fed on Food and Money?

Money and gluttony go together like peanut butter and jelly, which is, in a round-about way, what I'm writing about today: FOOD.

I figured I'd review a book and trying convince you to purchase it.

The cookbook Well Fed: Paleo Recipes for People Who Love to Eat may just be their saving grace. With more than a hundred recipes following the Paleolithic diet – composed primarily of meat, fruits, vegetables, nuts and seeds – this collection by Melissa Joulwan allows access to a wide array of healthy and easy to digest home-cooked meals.

Patterned after the eating habits of Stone Age humans, it is believed that these foods are those that are best suited to the body. The paleo diet avoids unnecessary calories and fat often found in grains, dairy, legumes, soy, sugar and alcohol, which are often believed to be among the causes of obesity and medical risks in present time.

Before anything, Joulwan opens the book by providing the readers with a walkthrough to paleo dieting. She even shares her personal experience adapting the lifestyle to aid everyone in preparing a paleo-ready kitchen and pantry, listing the necessary tools and food lists to serve as guides.

This book is also a good way to get acquainted with the basics of paleo dieting, as it gives a bird’s eye-view of its concepts and practices. The cookbook reflects the simple and straightforward logic of the paleo diet, as reflected in each of its pages.

Well Fed serves as a written testament that dieting does not always mean ruining eating habits, such as skipping meals or reducing food servings.

In fact, it encourages regular and speedy food preparation to sustain a person’s daily activities through healthier food options.

Unlike most diet programs, the paleo diet remains relaxed towards snacking in between meals. This cookbook even provides various options to choose from, should you feel your stomach growling for some food.

Joulwan’s cookbook is generous with the number of recipe options, ranging from sauces and seasonings, proteins, vegetables and salads, hot plates, and fruit mixes.

What’s notable here is that it also lists variations for preparing each meal, suggesting other food items that can be used as substitutes to the original meal components.

It leaves room for home cooks to improvise, especially if some food elements are not easily available. This further expands the reader’s selections in terms of meal planning and preparation, and provides an exciting play for the taste buds. Dieting does not always mean bland and lifeless food, and Well Fed effectively gets this message across.

A very kitchen-friendly feature of this book is The Weekly Cookup, which serves as a how-to in running a paleo diet kitchen like a restaurant.

The pantry is stocked with various protein and vegetable options on a per-week basis, which makes it exciting for home managers to play mix and match with various ingredients for exciting meal choices.

Using this method also improves meal planning skills and effectively shortens prep time, leaving more room for other activities. This is convenient particularly for people who are always on the go.

Cooking becomes less of a burdensome deed and more as a simple daily task, as the recipes are also very simple and easy to follow.

Following a diet plan does not always mean that you have to starve yourself in order to remain in good shape. You only need to choose healthy foods every time you feel the urge to eat.

Being equipped with numerous yet still healthy choices are probably one of the world’s best gifts to all health buffs, and it is embodied by this very friendly cookbook.

Thursday, August 7, 2014

Is buy here pay here financing real?

I see Buy Here Pay Here (BHPH) car lots everywhere and I bet there are people who don't know what these are. So, I figured I write about them. Why not? These car lots are as real as your business establishment next door. These kinds of businesses have been there for over 4 decades as a survival scheme adopted by car dealers facing extinction of their industry. It was at a time when people stopped buying cars simply because they were unable to and banks restricted financing loans. Unemployment was at a peak and the financial crisis was felt by all sectors.

BHPH seemed to be the only way car dealers could encourage people to buy automobiles. The car dealers established their own financing company because banks refused to extend high-risk loans to their customers. With in-house financing, there became a real opportunity for people to buy their own cars. As a result, people begun buying cars again, and the car dealership industry survived extinction. In addition, car dealers found a new business line – that of car loan financing.

BHPH businesses are very real. On the part of the business owners, BHPH is a very good economic venture. For a single commodity sold (a car), the company gains two ways. It earns from the interest on the loan, and it profits from the sale of the car. This happens with one transaction. Costs are lower, too, because the company needs fewer people for the BHPH center than two separate business offices would require.

The question is not as much as whether BHPH is real or not. It is more a question of whether the BHPH you’re considering is fair in its dealings or not. When buying from BHPH car lots, study hidden costs and prohibitive interests. Learn about the cars being offered, especially used cars. Inquire about mileage and warranty. Ask for a test drive. Bring your trusted mechanic to test and examine the car. Read repossession policies, terms and conditions. If you suspect that the dealer has conditions that are unfavourable to you, find other dealers.

BHPH has features beneficial to customers – take advantage of these. Real BHPH can offer you the best deals by customizing a car plan to your needs and capacity. While BHPH is a way to buy a car despite bad or weak credit history, it is also a way out of bad credit score. Choose a payment scheme that you can fulfil consistently. Paying off your car regularly will improve your credit score. Ask the company if it reports repayment performance of customers to the credit bureau.