Sunday, September 30, 2012

3rd Degree Tears: Frequently Asked Questions

With around 9% of women experiencing a third degree tear during childbirth, the number of those affected is relatively low. Even so, if you were unfortunate enough to have sustained a third degree tear, it is likely you will have some questions that need answering. This article compiles a list of frequently asked questions regarding third degree tears to help you through this difficult time.

What Is A 3rd Degree Tear?

A third degree tear is an injury sustained during a vaginal delivery, and involves a tear to the perineum that extends to the anal sphincter complex. Third degrees tears can themselves differ in severity, and are classified as follows:-

3rd degree Injury involving the anal sphincter complex.

3a Less than 50% of external anal sphincter torn.

3b More than 50% of external sphincter torn.

3c Internal anal sphincter torn.

How Is A 3rd Degree Tear Treated?

If a third degree tear does occur during childbirth, medical staff should detect the injury either during or after childbirth. All mothers who have given birth vaginally must now have a genital examination after birth to ensure any problems are diagnosed as soon as possible. This, therefore, means that no third degree tears should go untreated.

Once a third degree tear is confirmed a mother should quickly undergo repair. This should be in a well-lit theatre, where a surgeon (not a midwife) should suture the wound together. Post-operatively treatment should continue with:-

* Antibiotics - to prevent infection;

* Laxatives - to help bowel movements;

* Pain relief medication.

In addition to medication, a mother can help a third degree tear heal by maintaining good hygiene, drinking plenty of fluids, eating healthily, and regularly performing pelvic floor exercises.

Can Spotting Happen After A 3rd Degree Tear?

Bleeding after giving birth, known as 'lochia', will be experienced by women after any form of delivery. It usually last for around three weeks, although some may continue to bleed lightly for up to six weeks. After this there is the possibility that spotting will happen. However, if this spotting becomes heavier or continues for an extended amount of time, medical advice should be sought. It is possible that the stitches begin to bleed, and if this is the case immediate attention is necessary as the risk of infection will be increased.

Can I Have Another Vaginal Delivery After A 3rd Degree Tear?

There is no straightforward answer to this question, as each case varies. It is quite common for women to have another vaginal delivery after having had a third degree tear, particularly if the wound has healed well.

Even so, an obstetrician should be consulted before another vaginal delivery is considered. It may be that a caesarean section is more advisable, and will almost certainly be the case if symptoms and complications of a previous third degree tear are still present.

Does A 3rd Degree Tear Amount To Medical Negligence?

A third degree tear in itself does not amount to medical negligence, as it is unfortunately a natural risk of vaginal delivery. It can be difficult for medical staff to predict when a third degree tear is going to happen, but the likelihood is generally considered to increase if:-

* It is a first vaginal birth;

* The baby is larger than average (over 8 pounds 13 ounces);

* Labour is induced or assisted (eg. forceps delivery);

* There is a long second stage of labour;

* The baby's shoulder gets stuck behind the mother's pubic bone.

Where grounds for medical negligence claims often arise, however, is if a third degree tear fails to be detected or is poorly repaired. Both these incidents can cause serious complications for the mother, including anal incontinence, extreme pain and infection.

If you have suffered a third degree tear that was not diagnosed, misdiagnosed, or treated at a sub-standard level of care, you should seek legal advice. You may be able to make a medical negligence claim and get compensation for you suffering.

Copyright (c) 2011 Julie Glynn

Thursday, September 27, 2012

All About Credit Control

New business owners around this Planet have the common habit of offering credits to many customers without any credit management or control. They offer these unlimited credits as they think that they will be able to get more business. While it is true that providing credit to the customers will bring in increased sales, it has to be noted that you should to have some kind of control over the credits or else you won't be having enough funds to move forward with your business. In another scenario, many people have a misconception that the Global market and the economic conditions are not related to their small business in any means. Due to this many people spend the money uncontrollably without knowing where the current market has headed to. The true fact is that the Global economy is closely related to the small businesses and even the personal finance of every individual. Hence with the nose dived economic conditions, the financial conditions of the small businesses are subject to extreme danger. Hence it is very much essential to have a credit control to secure your finances. Just keep reading on the article to know more about effective credit control.

Checking the References before offering credit to the customers

Virtually, no business can operate without offering some kinda credit to the customers. For the moment of truth, offering credit to the customers is no harm at all provided, you get the payment from the customers in time. This is where credit control comes into play. As a part of credit control, you should demand some references form the customers seeking credit from you. The referees should b able to provide the information about the customer's trading name and address, the period of time they have dealt with the customer and what credit period they gave the customer and whether they get paid on time. Once you get the answer for the above mentioned questions, you will be able to decide whether to or not to provide credit to the particular customer. This method of credit control will help you to avoid fraudsters and will prevent you from loosing potential clients. Hence the referral method is widely used today as a part of credit control.

Credit Control Actions to be taken everyday

There are some credit control actions that can be taken everyday. For example, if your customer exceeds the credit limit, you can alert them by ringing them. By doing so, you can insist the customers to pay the old credit before continuing business with them. You should also check and arrange the unpaid invoices regularly in date order so that you can refer them quickly whenever needed.

Jobs in Credit Control

With the nose dived economic conditions, there are many job opportunities available today for credit control. If you are experienced in providing very effective credit control solutions, you can opt for the credit control jobs available today. Finding the credit control jobs is very easy today. There are countless numbers of credit control jobs open out there.

Tuesday, September 25, 2012

Why a Prepaid Debit Card and Not a Credit Card?

Prepaid debit cards are a good alternative to credit cards for anyone who is trying to control their spending. A prepaid debit card allows a consumer to deposit their money into a virtual account that can be accessed through a debit card. Once the funds are depleted, the consumer cannot spend anymore.

Unlike a credit card, a prepaid debit card does not allow a consumer to spend money he or she doesn't have. This prevents the consumer from racking up debt that he or she cannot pay off. Additionally, there is no interest charged on a prepaid card, and no bills to pay at the end of the month.

All these make the prepaid debit card a more responsible tool for budgeting and spending money, at least compared to a credit card.

In addition to controlling spending, many people like to use prepaid debit cards to send money abroad or give a gift to a relative or friend. Since these cards are easy to load and mail, they are ideal for people who need to send money abroad. In fact, they are safer than sending cash or checks through the mail, since many cards are able to be re-issued if the proper paperwork is kept. These debit cards can be used in many countries. A Visa debit card is particularly convenient since it can be used at thousands of stores and restaurants that also accept a Visa credit card.

Unlike credit cards, debit cards do not charge interest, but there are a few fees involved with using them. Just like a checking account at the bank, most prepaid cards will charge a maintenance fee once a month, as well as a small transaction fee when the card is used. Prepaid cards such as a Visa debit card do this in order to recoup their costs for issuing the cards and transferring the money from the card to the merchant or to other accounts. However, these payment and transfer fees are very low compared to those charged by banks for similar transactions.

All in all, prepaid debit cards are a great way to control spending through the holiday season, an excellent alternative to a high fee checking account, and an inexpensive way to transfer money to relatives and friends abroad.

Monday, September 24, 2012

The Best Way to Safeguard Your Confidential Documents

We all recognize that lawyers, doctors and banks obtain confidential information from their clients, but every business, large or small, has sensitive information that needs to be secured. Identity theft and fraud are on the rise. Businesses collect information about employees, customers, company financial information, and product development. Sensitive documents that most businesses have on hand are employee records, customer and vendor records, financial and budgeting data, and product specifications or drawings. The best way to safeguard your confidential documents that are to be destroyed is to use a paper shredding service.

All levels of government have passed legislation to protect the confidentiality and privacy of individuals and corporations. Managing information has become an important function in any business. Document shredding services can help your business develop a records management program, advising your company how long to keep records, how to keep them secure, and when to destroy them. Document shredding professionals are informed about current federal, state and local regulations, and will ensure that your company is compliant. Storage of sensitive documents must be augmented with a retention plan. Document shredding services provide steps to securing those sensitive documents, ensuring that confidential information will not fall into the wrong hands. Document shredding services also offer individuals and small businesses a secure drop-off location for personal records to be shredded.

When a business wants the reassurance that its information is secure, it can call on a document shredding professional to assess the needs of the company, and provide mobile, off-site or one-time shredding services. A secure bin is given to collect papers to be shredded. A secure shredding vehicle will arrive at the business as scheduled, and the papers are shredded on-site. Screened and insured shredding professionals safely handle the documents during the entire process. If a company prefers, shredding can be done with company personnel present to supervise. A dated report which is a Certificate of Document Destruction is provided confirming the destruction of the material, providing proof of compliance with regulations, and protection against fraud activities.

Recycling sensitive documents does not satisfy government regulations for privacy and confidentiality. There is not a secure path from the recycling bin to the recycling depot. Paper shredding companies help the environment by recycling the shreds that are produced in the process, providing compliance and security at the same time. Office paper shredders may be convenient, but they are not secure. For instance, documents are easy to get to while lingering around the office to be shredded. A professional document shredding service frees up staff time while maintaining the privacy of those papers.

Maintaining an office shredder utilizes staff time and physically putting the papers into the shredder takes up a great deal of time which hinders business productivity. Document shredding services eliminate that chore, leaving staff time for more productive actions. While most information is generated electronically today, much of that information is printed out and filed. Document shredding services are an efficient and secure answer to the question of what to do with all the accumulated paper-based data that businesses, both large and small, accumulate. Document destruction companies are the best way to safeguard your confidential documents.

Premier provider of document shredding New York and paper shredding New Jersey. Certified by the National Association for Information Destruction to make sure your information always stays secure and confidential.

Premier provider of document shredding New York and paper shredding New Jersey. Certified by the National Association for Information Destruction to make sure your information always stays secure and confidential.

Friday, September 21, 2012

6 month loans-Provide fast cash with no cumbersome formalities

Are you at the situation where you do not have enough money and several unpaid expenses to be met out? 6 month loans are swift and pertinent loan option when you want additional funds to meet your desires right away. This is the short term and temporary fiscal aid that offer instant money to quickly come out of bad fiscal phase. To meet your unexpected and unforeseen financial crisis, the assistance of these loans would act as feasible and worthwhile to get applied with.

To get the approval of 6 month loans, you need to fulfill some of the eligibility criteria that are as follows:

1. The applicant should be a permanent citizen of UK 2. He needs to be an adult with eighteen years or more 3. He should be in regular employment in reputed organization. 4. Earning should be at least 1000 per month 5. The applicant should hold good repayment ability.

There will not be any issue if you are a bad creditor or do not have perfect enough credit scores. No credit check loans are free from credit checks that allow all the applicants to be benefited with these loans. Presence of CCJ, arrears, defaults, bankruptcy, foreclosures, skipped payments, late payments and so on does not affect the approval of loan. Thus, do not get embarrassed and hesitated to get the aid of this loan aid.

6 month loans are small loan aid that can be availed without pledging any collateral. In order to get approved with this loan, you need not have to bother about arranging any collateral to pledge. Moreover, the loan money that you are allowed to grab can be ranges from 100 to 1500 with easy and flexible repayment tenure of 6 months. Borrowed money can be utilized for meeting any desired purpose without any lender's intrusion. Expenses like paying off medical bills, small home repairs, credit card dues, education fee of your child, unexpected traveling expenses and so on can easily be met out.

Log in to the online financial market to access the loan deal at affordable rates. Online financial market is awash with multiple lenders that offer the deal at competitive rates. Making a careful research and comparisons between quotes will let you land up with the reasonable deal of all. Application will take few of your minutes as it just includes filling a single online application form. Funds will transfer in your checking account once you are approved.

Tuesday, September 18, 2012

Guidelines To Assist You In Obtaining Home Equity Loan Lowest Rate Repayment Schedule

There is certainly a huge number of those that have found themselves avidly trying to seek out a system to get extra wealth via any means possible. People that own their houses, can actually try to request a 2nd mortgage in order to obtain a decent amount of money. However, many people have questions regarding how to get a 2nd mortgage lowest rate.

When it comes to securing a 2nd mortgage, you ought to understand that there are two things that companies will examine when considering your precise circumstances. One thing is how much credit you have (your score), and the other is the whole capital amount that your home possesses (what they judge you have available on your house to borrow from).

Nonetheless, just like in the case of other loans, if your credit is not in the very best situation, you may expect to have to pay back a little bit more than someone else who had first-rate credit would need to pay out. Loads of people declare that this procedure is not fair; still this is just how business works.

You'll find numerous different lenders that have turned their thoughts towards offering individuals that tend not to have good quality credit scores home equity finance. While, these lenders are there in the marketplace, having a high credit rating is always going to be something that will put you above all the rest.

So many people have noted that a fantastic way to get accepted for a 2nd mortgage is to request the loan with the exact same mortgage adviser that they are presently paying. If you go this way, your agent already has all your information, and this will save you an immense amount of time than tracking down a lender that won't have an inclination about your current state of affairs.

The meaning of a second mortgage in simple terms, is a loan that allows for the worth of your house and the amount that you have previously made in payments. If your property is paid off or near to it, you can expect to have the ability to have a loan of extra cash in the form of a home equity loan.

When you are looking for the lowest charges that you can obtain for the equity loan, it will help to start with a good deal of study. You ought to attempt to obtain lots of quotes from different companies so as to properly consider the right direction for you to adopt in the matter.

There are lots of lenders which are keen to work with people despite of their credit score and the total of equity they have accessible on their homes. Attempt to obtain as many estimates as you possibly can with regards to finding a home equity loan, and don't be frightened to ask questions regarding the advance.

Bear in mind that the individuals that shop around for the lowest interest rate on an equity loan, will be the ones that wind up obtaining the type of advance and the rates that they desire.

Wednesday, September 12, 2012

Wealth Creation Traps: The Appearance Of Money

A number of common traps keep the middle-class from maximizing their money-making potentials and succeeding in wealth creation. Among the most common wealth creation trap of the middle class is the "appearance of money".

What Is the Appearance Of Money?

The appearance of money, as might already have been guessed, is simply the need to buy and to have so that one looks like he or she (or they) have money. It grows out of the need to keep up with the neighbors, to be accepted, to live the way and have the things that they feel society says they should.

It is easy for the middle class to have the appearance of having money. Easy credit, bank loans, mortgages, car and automobile loans, all are designed to give the middle class the appearance they need; and to indebt the middle class to the banking institutions in the meanwhile. By playing on the psychology of the middle class, the banks create an everlasting cash flow for themselves. A cash flow that, although the middle class willing subjects themselves to, is at the expense of the middle class, at the expense of the middle class's financial success.

As long as the focus of life is on appearing wealthy, the focus is not appropriately placed on making money. But the only real way to be wealthy is to make money, create wealth, and achieve lasting financial success.

Don't The Wealthy Present The Appearance Of Money, Too?

It is a fallacy myth, that the rich struggle to keep up and appear wealthy. The wealthy present the appearance of money because they actually have money. It is not an appearance, it is their reality!

The reason that the wealthy have money is because they have properly placed their priorities. The wealthy shun status and focus on the real goal, financial freedom, and work to achieve it. Once they have, the wealthy are able to buy what they want and live the life they want to because they have the financial backing to do so.

The real difference between those who succeed in wealth creation and those who fail is based in a very large part in the goals set in the beginning.

- The middle class (referring to those unable to move beyond a work-for-pay lifestyle) focus on getting and having things.

- The wealthy focus on having money so that they can have things.

As Jamie McIntyre if the 21st Century Academy says, "Many people get caught up in appearing to be wealthy, instead of becoming wealthy." It is an unfortunate truth, but not one that is without hope of changing.

Just as appearing to be wealthy is a mindset a psychology, so, too, is being wealthy. The choice can just as easily be made to really be wealthy as it can be to look wealthy. Making that choice, and re-prioritizing, is one of the first critical steps towards wealth creation and towards really financing the life of the wealthy.

Monday, September 10, 2012

Grand Slam Tennis - Politics And Sports Don't Mix

When interviewed about their troubled nation's past, each one can remember those frightening days and troublesome times. Knowing that they possess a special talent in sports, particularly tennis, it gave them something to dream for. They may not admit it directly but tennis has provided them an opportunity to flee the harsh conditions of a nation in strife. And it gave them a bright future, of something to look forward too.

It seems sad to read about news reports that right after the match between Djokovic and Amer Delic, an American born in Bosnia, was finished with Djokovic winning it in four sets, 6-2, 4-6, 6-3, 7-6 (4), Serbian and Bosnian nationalities clashed on tournament grounds. One innocent bystander, a female, got hit by the chair throwing incident but escaped unhurt. Police charged two people for the melee and evicted 30 people from the tennis grounds. Those taken off were young lads in their late teens of early twenties and of Balkan ancestry. It apparently started when Bosnian supporters were beginning to get rattled by the ongoing Serbian celebrations since Djokovic was leading the match. It escalated into a chair throwing competition as described by state police.

Credit goes to the two tennis players who didn't let the brewing tension among the fans affect them. Instead, they were so focused in their respective tasks to win the match that they produced some great tennis stroke rallies. I wanted Djokovic to lose the fourth set only because I didn't want the match to end. I didn't realize though that some of the fans were beginning to become unruly. Delic then posted a message in the Web, encouraging fans to be calm after he experienced some disruptions in a previous match. Djokovic refused to comment about the incident, preferring to let the tournament officials deal with enforcing security control. Novak Djokovic's coach sat in the stands and had a first hand encounter on how these fans caused tension and how it can interrupt the players.

It surprised me further to learn that not only was there a fracas in the Djokovic-Delic match but in another tennis match involving Marin Cilic of Croatia and Tipsarevic. This time it was some Serbian fans who after witnessing their countryman lost his match against Cilic, went straight to a bar and then had an encounter with Croatian supporters that caused two people to be thrown out of the bar.

Ivan Ljubicic isn't thrilled with what this kind of supporters are doing. He claims that these people watch the event to promote their respective political agenda and not necessarily support the players. He may be right about that but ever since the venue for the Australian Open has been moved to Melbourne Park, the surroundings have provided a more laid back ambiance. Nowadays, you can see these die hard supporters who carry their respective national flags, have their faces painted with their flags' colors and sing songs in their native languages.

I, for once, have attended these games and I do agree that the crowd does help the players push on to the next level. But let our support for our favorite players be not carried away to cross boundaries of civility and common sense. Because at the end of the day, all we want is to watch a good match and bask in the moment of the experience. No one wants to go to jail anyway, or do some people really want to?

Watch the live tennis scores at ScoresPro.com.

Thursday, September 6, 2012

Essential Information For Equipment Leasing And Finance

Are you planning for to get equipment finance for your business?This article presents essential information for businesses that plan to apply for equipment lease financing. Read carefully, follow the details given below and avoid unnecessary complications.

Equipment Leasing is opposed to straight financing. It is an alternative financing method to acquire needed business equipment. In real essence, you only pay for the depreciation of the equipment over a given time frame. At the end of the lease you either purchase the depreciated asset or trade it for a new lease and new equipment. It allows a company to hold on to valuable cash capital and use the profits the equipment generates to pay for itself over time with added tax advantages.

What is a typical business mind-set? It will always say that equipment leasing is for companies that are short of capital. However, research would indicate that even the largest of companies use leasing finance to guarantee fixed costs and access essential equipment. Along with this you also get either corporate or personal guarantees. A corporate guarantee means that if the lease goes into default, the leasing company can take possession of the equipment and liquidate it to settle the lease balance. A personal guarantee is identical to a corporate guarantee except a person's property may be used to satisfy the lease balance.

With regard to leasing payments and purchase, the monthly payments are lower. At the end of the lease term, a single payment is due that equals several months of combined payments. On the other hand, a lease purchase is financing the equipment by any other name. It allows the business to deduct the lease payments from taxes as a business expense. Also equipment depreciation can be used as a tax deduction.

In many cases it may possible to lease any type of equipment without the need for a deposit or extra security. Few of the benefits that you will be enjoying with equipment finance is that no funding is required, payment terms will be flexible and transaction speed is great,most popular being is cost.

Tuesday, September 4, 2012

Skye Bank Customer Alert - Beware Of Hackers

One of the features of online/Mobile banking is SMS banking services which are operated using both push and pull messages. Push messages are those that the bank chooses to send out to a customer's mobile phone without the customer initiating a request for the information. For example push messages could be either Mobile marketing messages or messages alerting an event which happens in the customer's bank account, such as a withdrawal of funds from the ATM or a payment using the customer's credit card, etc.

Pull messages are those that are initiated by the customer, using a mobile phone, for obtaining information or performing a transaction in the bank account. Examples of pull messages for information include an account balance enquiry, or requests for current information like currency exchange rates and deposit interest rates, as published and updated by the bank.

The bank's customer is empowered with the capability to select the list of activities (or alerts) that he/she needs to be informed. This functionality to choose activities can be done either by integrating to the internet banking channel or through the bank's customer service call centre.
It is however sad to note that fraudsters and internet hackers have capitalized on this laudable innovation to rip people off their money. So it is important that as a bank account holder or intending holder you should be aware of this trend and choose the right bank to bank with where your money will be properly secured through adequate online security tips.

Skye bank as a customer friendly bank knows about the activities of these fraudstars and has developed security measures to protect its customers finances. If you are a Skye bank account holder, you might receive emails that seem to emanate from the bank.The mail might even carry the names of Skye bank top Management staff or Director. Some of them may require you to send in information on your Bank details, Pin codes and even your personal information as contained in the bank's database of you. They might also claim to have access to large sums of ($ )US dollars for you domiciled with the bank. Please note that these are scam mails and you should be very careful to avoid being a victim to fraudsters.

As part of its commitment to online security, Skye bank has developed some security tips for all its customers to recognize when they receive emails or letters from potential fraudsters.

Please note that Skye Bank would never ask you to disclose your account number or Pin code on the internet. Also Skye Bank would never ask you to disclose personal information on the internet.

You should also note that Skye Bank site would always carry a security certificate which would be visible on access to the bank's site and be sure that the site you are on is a genuine Skye Bank site.

In addition Customers should not open attachments or follow Web links in unsolicited emails from unknown parties or from parties with whom you do not normally communicate, or that appear to be known but are suspicious or otherwise unusual.

The official Skye Bank web address is www.skyebankng.com. If you are still in doubt, please get in touch with your nearest branch or call us on (000 234 1) 8531655, 8948103, 07028390633-5

Saturday, September 1, 2012

Citibank's Citi Simplicity Card: Now You Can Avoid Late Fees

Citibank recently launched a new credit card that takes away an important sting felt by many consumers: late fees. In an unusual move, the bank is now offering consumers permanent forgiveness for late payments and will no longer assess the customary late fee when a payment arrives after the due date. While the offer sounds great on surface, if you dig a little deeper you will soon learn that there are some things about the new Citi Simplicity card that can cost you more money in the long run. Let's take a closer look at what this credit card issuer is really offering with its new card.

The Problem

Consumer advocates have long cried foul when it has come to credit card late fees and penalties. Not only would you be assessed a one time late fee ranging from to if your payment arrived late, but your interest rate could be permanently increased to the default rate, typically as high as 29% annually. This double whammy further made it difficult for you, the credit card holder, to ever pay down debt.

Citibank's Solution

In a bold marketing move, Citibank one of the largest issuers of credit cards in the world came up with its Citi Simplicity card in response to criticism levied by consumer advocates at the industry and at the bank personally. The new card, with no annual fee and no late fees, is designed for card holders who have been bitten by the late fee bug. No longer will you, as a card holder, have to worry if the check you sent off just before the payment due date arrived on time. With the Citi Simplicity card, a late arriving payment will be credited and no late fee assessed.

Taking a Closer Look

Within Citibank's offer are a few things that you should understand before you make the switch:

1. A late fee will not be charged to your account, but your interest rate may surge to the default rate. The default rate, in this case, can be as high as 29%! That's bad news for you especially if you had a fixed low rate previously.

2. You could also get a false sense of security by incorrectly believing that paying late regularly doesn't harm you in some other ways. For instance, consistently forwarded late payments can become part of your credit report, thereby negatively affecting your ability to purchase a car or a home down the road at a favorable interest rate. Important to note, a higher interest rate can add thousands of dollars to the purchase of a new home.

3. Finally, Citibank will waive the late fee only if you promise to continue to use the card. This is bad news for you especially if you are trying to reduce your balance each month without having to purchase something new, which simply adds to your balance.

In all, the Citi Simplicity card has much more to it than what meets the eye. For some people, the new card is a welcome change especially if you are one who pays off his balance in full each month. If you aren't, the Citi Simplicity card may cost you much more in the long run. Should you fall into this second category, it would be better for you to keep your existing card or shop for a new card with other features and more favorable requirements.