4 daily habits to adopt for success in real estate and life

Good habits are the foundation of wealth. If you watch successful people you will see their day is filled with consistent habits that save time, improve focus and ultimately help accomplish more daily. Successful people get up early, learn daily, make lists & set goals and track their progress.

• Get Up Early.

Make the first two hours of your day the most important. It will not only set the tone for the day but will give you a game plan for everything else that follows. These two hours can be used for activities you enjoy such as exercise, meditation or completion of a project or activity from the previous day. The early morning is free from distraction allowing you to do more of whatever you enjoy.

• 20 Minutes Of Learning Daily.

It is important in any business to know what is going on at all times. Trying to master every aspect of the business may seem intimidating but is less difficult if you spend some time on it daily. Regardless of how busy you may be you can squeeze twenty minutes of learning into your daily routine. You can find this time on an audiobook driving to or from an appointment or on the treadmill as you get some exercise in.

• Make Lists & Set Goals.

Success is often easier if you plan exactly what needs to get done. Before you go to bed you should plan for the next day. Tackle the toughest task first and go from there. Planning your goals not only makes you efficient but gives you a sense of direction and purpose. The most successful people in the world have one thing in common, they all say their goals out loud three times daily. This helps to reinforce their direction and keeps them on track in accomplishing their goals. Try it and see how much closer you get to reaching your goals!

• Track Progress.

If you don’t know what is working, is impossible to gauge the results? At the end of every day you should take some time to evaluate what you did to build on your progress. If you failed to do anything, you need to ask yourself why and then develop a new plan to stay on track.

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gathering insurance health care and the hipaa privacy rule

Another part of this law required certain businesses to create company policies and procedures that would cause the businesses to comply with this law. This might include who has access to the medical records and in what circumstances and how to keep electronic records secure, to name a few of the policies and procedures required by the law.

In 2009, Congress passed another law called the Health Information Technology for Economic and Clinical Health Act, or HITECH. Under this law, the Department of Health and Human Services was mandated to conduct periodic audits to ensure that the entities covered by the HIPAA law complied with that law. Prior to the HITECH law, that federal department investigated potential violations of HIPAA only based upon specific complaints that were filed.

The new audits will cover a broad range of entities, large and small, and will include all three types of covered entities, including health care providers, health plans and health care clearing houses. These audits will require an on-site visit and someone from the audited entity will need to provide the auditors with specific documentation.

Although the audits at the present time are just part of a pilot program, these audits will attempt to gather information to create and share the best practices learned from the audit process and provide guidance based upon the shortfalls found. As most experts do not think that covered entities, such as small medical offices, are prepared for such audits, it is expected that the HHS will find a fair amount of noncompliance. In part, this may be due to the regulations that have been updated or added frequently and the fact that technology is constantly changing.

If the HHS audits and there are minor adverse findings, HHS will work with that entity to take corrective steps. However, if there are serious deficiencies, the HHS is authorized under the law to do a formal enforcement action, which may include a settlement agreement with a corrective action plan or even a civil monetary penalty.

three things you didnt know about car insurance in ontario

Complicating the issue is the fact that Ontario car insurance rules are not very straightforward. Ontario uses a hybrid combination of tort insurance (one party can sue the other) and no-fault insurance.

With high rates and seemingly arbitrary rules, what little-known facts about car insurance in Ontario might be useful for you? Read on to find out!

Do not take too much insurance (in some cases)

Robust coverage is good, but it comes at a cost. Think about your risks and insure accordingly. By law, your insurance policy has $200,000 in 3rd party liability, but it is recommended that you carry more than that. Aim for $1,000,000 at least; $2,000,000 is better. If somebody decides to sue you, costs can add up very quickly.

At the same time, however, it is not always necessary to get comprehensive coverage. For example, if you have an older car, you might decide not to get this coverage. Skipping comprehensive coverage on an older car could reduce your monthly insurance premiums.

On a new or leased vehicle, comprehensive coverage is usually a requirement.

Old car coverage can go UP! Classic car insurance rates in Ontario

The older your car, the less value it has, right? In most cases, but not always. There are two scenarios when older cars will have higher rates than new vehicles.

First, some older models of vehicles will be more expensive to insure because some models have a terrible insurance history. For example, they are prone to theft, so insuring them is risky.

Second, at some age (typically 20+ years) cars can be considered classic or antique vehicles, resulting in a special type of insurance coverage, such as classic car insurance or antique auto insurance. Only a few companies offer these types of car insurance in Ontario and, depending on your car and your driving habits (year-long vs. summer months only) car protection rates can be more expensive than mainstream vehicles.

Car insurance and rental cars

Many people are confused about rental vehicle insurance. You may think the insurance attached to your credit card is enough, but it’s not. It doesn’t cover 3rd party liability or damages to other people’s property. You also have to watch out for the rental agency’s collision damage waiver, which may not cover all the costs associated with an accident.