Canadalend.com, the Countrys Leading Private Mortgage Professionals, Weighs in on Rising Canadian Household Debt Burden

Toronto, Canada (PRWEB) October 02, 2014

Canadalend.com, the leading low-cost, private mortgage solution provider in Canada, is weighing in on recent economic data showing that Canadians are among the world’s richest citizens but, at the same time, some of the most in debt. Canadalend.com is also commenting on how debt consolidation can make debt more manageable.

Statistics Canada announced recently that household credit market debt (consumer credit, mortgages, and other loans) rose 1.3% in the second quarter, compared to the first quarter; significantly outpacing the 0.6% growth in disposable income. The ratio of credit debt to disposable income, a closely watched measure of household debt burden, increased to 163.6%. The second quarter number is just slightly below the record 164.1% mark established last year. When Statistics Canada first began to track the data in 1990, the ratio stood at 85.3%. (Source: Statistics Canada, “National balance sheet and financial flow accounts, second quarter 2014,” The Daily, September 12, 2014; http://www.statcan.gc.ca/daily-quotidien/140912/dq140912a-eng.htm.)

“What this means is that Canadians owe approximately $ 1.64 on every dollar of disposable income,” says Bob Aggarwal, president of Canadalend.com. “But because of the red-hot housing market, Canadians have never—at least on paper—been richer. During the second quarter, household net work climbed 2.3% to a record $ 8.1 trillion, or $ 227,000 per person.”

Aggarwal explains that because of the household imbalances, it is unlikely the Bank of Canada will shock the economy by raising interest rates in the near term. In fact, because of the bank’s neutral policy bias, a rate cut is just as likely as a rate hike. Most analysts don’t think the Bank of Canada will hike interest rates until the U.S. Federal Reserve begins to do so sometime in 2015.

In spite of the imbalance between household net worth and higher personal debt levels, more Canadians are choosing to file a consumer proposal over filing for bankruptcy. In 2013, 42% of consumer insolvencies were proposals; up from 40% in 2012, and 37% in 2011.

“A consumer proposal can be a much better option if you have assets but are struggling with overwhelming debt levels,” Aggarwal adds. “Whether it’s because of a lost job, unexpected expenses, or just the cost of living, the experts at Canadalend.com can help those overcome the day-to-day financial stresses through debt consolidation.”

Debt consolidation is about taking out an equity home mortgage loan. Because Canadalend.com agents are licensed and independent, they draw from hundreds of different lenders to get clients the best rates possible.

“Refinancing to consolidate debt is a great way to save money. Through debt consolidation, homeowners can combine all debt into one easy-to-manage monthly payment. This helps significantly lower the monthly interest rate,” Aggarwal concludes. “Homeowners interested in seeing if they qualify for a debt consolidation or refinancing should contact their local Canadalend.com mortgage specialist.”

Canadalend.com is one of the largest, most trusted private mortgage brokers in Canada, with skilled independent licensed professionals helping Canadians coast-to-coast. Canadalend.com assists its clients with residential and commercial mortgages, home equity credit, debt consolidation, and financing concerns. To learn more about the company, visit the web site at http://www.Canadalend.com.







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Self Help Institute – Listening to Your Body Before Stress Strikes


Self Help Institute – Listening to Your Body Before Stress Strikes

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Fashawn – Relaxation (feat. J. Cole & Omen)


Fashawn – Relaxation (feat. J. Cole & Omen)

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HMHP Presents Coping With Stress

YOUNGSTOWN, Ohio (PRWEB) September 30, 2014

Humility of Mary Health Partners will present “Coping With Stress: What to Do When Life Isn’t Perfect” with Rachel O’Neill, Ph. D., for the autumn Women in Touch program.

Dr. O’Neill, who has more than 14 years’ experience in the mental health profession, will discuss strategies to effectively manage stress and improve one’s health. Continuing education credits are available for nurses, dieticians, dietary technicians and social workers.

The program is offered twice: from 5 to 7 p.m. Oct. 28 at Ciminero’s Banquet Center in Niles, and from 5 to 7 p.m. Oct. 29 at Mr. Anthony’s in Boardman.

Tickets cost $ 18 and include dinner. Registration is required; call 330-480-3070.

About Humility of Mary Health Partners

Humility of Mary Health Partners is an integrated health system in the Mahoning Valley, which encompasses the Youngstown/Warren metropolitan area – Mahoning, Trumbull and Columbiana counties in Ohio. It is a key market of Mercy Health (formerly Catholic Health Partners) in Cincinnati, the largest health system in Ohio and one of the largest Catholic health systems in the United States. HMHP provides a full spectrum of health care services – acute inpatient and trauma, outpatient and ambulatory, rehabilitation, behavioral, emergency and urgent care, primary care physicians in Patient-Centered Medical Homes, specialist physician care, home health, home medical equipment, long-term care and hospice care, as well as the HMHP Foundation. Major sites are St. Elizabeth Health Center, St. Joseph Health Center, St. Elizabeth Boardman Health Center, HMHP Physician Associates, HMHP Care Network, The Joanie Abdu Comprehensive Breast Care Center, HMHP Cancer Care Centers in Warren and Boardman, Howland Surgery Center, St. Elizabeth Austintown Emergency Care, St. Joseph Andover Emergency Care, HM Home Health Services, HM Durable Medical Equipment, HM Home Pharmacy Services, The Assumption Village, Humility House and Hospice of the Valley. Learn more at http://www.HMpartners.org.

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Anger Management – Eyes of the Lifeless


Anger Management – Eyes of the Lifeless

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Grace Centurys Electronic Health Records Project Completes First Installation of the Revolutionary PWeR

Ras Al Khaimah (UAE) (PRWEB) October 13, 2014

Grace Century’ s EHR project, The Quantum Group, Inc., announced this past week (through its subsidiary, Quantum Innovations, Inc.), the provision of the first medical practice (user) on the revolutionary PWeR® 2.0 cloud based electronic medical record (EHR) and combined practice management (PM) platform. The company’s first installation was in Jupiter, Florida, and the first of many new installations scheduled to take place within the coming weeks.

“The entire team is highly excited by the major landmark that we have achieved. We embarked on a path to provide real innovation as healthcare, the largest industry in the US, migrates from a paper record to an electronic format,” said Noel J. Guillama, lead designer of the PWeR platform, and Chairman and President of The Quantum Group, Inc. and its subsidiary Quantum Innovations, Inc. “This is a result of not only government mandates, but the imminent need to provide better and more comprehensive medical records documented to improve patient care and reduce costs.”

According to Guillama, PWeR® is innovative in every aspect; design, information display and format—especially its seamless communication directly with pharmacies, laboratories, and insurance companies. “PWeR 2.0 has set an entirely new bench-mark in how it allows, with documented patient consent, the sharing of medical information on a single patient, with multiple doctors in an existing patient care team. As our trademark states, it is the ‘one patient…total connectivity™’ that make PWeR truly special,” he said.

Scott Wolf, the CEO of Grace Century also commented, “We have been with Quantum Innovations every step of the way and feel absolutely confident that PWeR 2.0 is positioned at the right place, and at the right time, to be the benchmark for the EHR arena in the healthcare industry.” Quantum Innovations will bring on new physicians to the platform as fast as its resources allow in order to address the many providers who are eager and lining up to get on the PWeR® 2.0 platform.

###

About PWeR® 2.0

In critical situations or in providing treatment to patients on the PWeR 2.0 platform, providers will be enabled to access full medical histories and make educated treatment decisions based on accurate data. About the certification for PWeR 2.0: The Complete EHR is 2011-Edition compliant and has been certified by an ONC-ACB in accordance with the applicable certification criteria adopted by the Secretary of Health and Human Services. This certification does not represent an endorsement by the U.S. Department of Health and Human Services or guarantee the receipt of incentive payments. PWeR stands for Personal Wellness electronic Record®. For more information, visit http://www.myPWeR.com. That’s PWeR – Complexity meets Simplicity.

About Quantum Innovations

Quantum Innovations, Inc. is a subsidiary of The Quantum Group, Inc. and operates under a license from it to use the PWeR® trademarks, as well as numerous patents both issued and pending. Quantum Innovations seeks to provide technology solutions through PWeR 2.0, a 21st century healthcare technology platform and Meaningful Use certified EHR product. PWeR® is a Registered Trademark of The Quantum Group, Inc. and it assigns or licensed users, in the U.S., China, EU and other nationalities. For more information, visit http://www.quantuminnovations.com.

About Grace Century

Grace Century FZ LLC is an International research and private equity consultancy located in Ras Al Khaimah (north of Dubai) in the United Arab Emirates (UAE). Grace Century specializes in “game-changing” life science and health related private equity projects. For more information, visit: http://gracecentury.com.

Certain statements contained in this news release, which are not based on historical facts, are forward-looking statements as the term is defined in the Private Securities Litigation Reform Act of 1995, and are subject to substantial uncertainties and risks in part detailed in the respective company’s Securities and Exchange Commission 10-K, 10-Q, S-8, SB-2, S-1 and 8-K filings (and amendments thereto) that may cause actual results to materially differ from projections. Forward-looking statements can be identified by the use of words such as “expects,” “plans,” “will,” “may,” “anticipates,” “believes,” “should,” “intends,” “estimates” “could” and other words of similar meaning. These statements are subject to risks and uncertainties that cannot be predicted or quantified and, consequently, actual results may differ materially from those expressed or implied by these forward-looking statements. Such risk factors include, without limitation, the ability of the Company to properly execute its business model, to raise substantial and immediate additional capital to implement its business model, to achieve revenue growth in fiscal year 2015, and to attract and retain executive, management and operational personnel. Quantum has further risk in the deployment of the PWeR™ technology platform and the continuing infrastructure development, hosting, security, sales and servicing; further potential complications by the utilization by our clients, technical and software setbacks, cost of development, as well as the capital to deploy it as well as pricing and competition pressures. Quantum is subject to changes in federal and state government regulations dealing with our technology solutions that could have a material economic affect and cause interruptions of services. Quantum is subject to contractual risk, expenses and compliance with our alliance partner(s) agreements. The Company does not undertake any obligation to publicly update any forward-looking statements. As a result, investors should not place undue reliance on these forward-looking statements.







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Neil Patel – The Lake Technique


Neil Patel – The Lake Technique

from I’ve Only Got 5 Minutes – Stress Management Techniques

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Ahanu: Music for Yoga, Meditation and Relaxation – Healing Waters


Ahanu: Music for Yoga, Meditation and Relaxation – Healing Waters

from Yoga, Meditation and Relaxation Music

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AHA Solutions, Inc., and ASHHRA Announce the 2014 Gary Willis Leadership Award Winners

Chicago, Ill. (PRWEB) September 29, 2014

AHA Solutions, Inc., a subsidiary of the American Hospital Association (AHA), and the American Society for Healthcare Human Resources Administration (ASHHRA) today announce the 2014 Gary Willis Leadership (GWL) Award winners. This year’s honorees are Eileen Brown, MPPM, director of HR transitions management for Conifer Health Solutions in Frisco, Tex., and Tonya Richards, PHR, MS, director of human resources for Kingsbrook Jewish Medical Center in Brooklyn, N.Y.

The GWL Award recognizes managers and directors who have made outstanding leadership and operations contributions to their organizations. In addition, it honors those who have demonstrated a commitment to participating in continuous educational opportunities that promote operational excellence. The GWL Award honors the memory of Gary Willis, an ASHHRA board member, who passed away in 2010 after a battle with cancer.

“The GWL Award is a tribute to the winners’ devotion to advancing the health care human resources profession,” said Anthony J. Burke, senior vice president of the AHA and president and CEO of AHA Solutions. “Both AHA Solutions and ASHHRA have deep respect for Eileen and Tonya’s contributions to the field. They truly exemplify the type of commitment for which the Gary Willis Leadership Award was created.”

ASHHRA Interim Executive Director Mary Anne Kelly said, “The individuals honored with the GWL Award should know it is a terrific achievement. Gary was a leader and role model who was passionately committed to furthering the health care human resources field. ASHHRA and AHA Solutions recognize that quality in the Award winners as they follow in his footsteps.”

Eileen Brown

Brown has more than 12 years of leadership experience in human resources and 19 in health care. She has helped Conifer Health Solutions maintain operational excellence by smoothly transitioning 1,500 Vanguard Health System employees in five states to Conifer (which is jointly owned by Tenet Healthcare and Catholic Health Initiatives) following the merger of Tenet and Vanguard. To bring staff with regional differences in benefits and policies into a centralized organization with standardized procedures, Brown rolled out extensive training and communication programs to make each employee’s experience as stress-free as possible.

“Eileen’s work ethic and ability to lead are familiar to everyone her work touches. I knew Gary Willis personally, and Eileen shares with Gary a kindness of spirit — a willingness to let everyone be a part of their family,” said Irma L. Pye, SPHR, CHHR, chief human resources officer at Valley Baptist Health System (acquired by Vanguard Health System in 2011).

“With the rapid changes in health care I’ve witnessed, I’ve seen that HR professionals must be open to change,” Brown explained. “If you can’t change, you can’t expect employees to. You need to lead by example, and always be honest and transparent.” She continued, “I am so excited to be selected for this award, and am gratified that my efforts to be a role model helped me to earn it.”

Tonya Richards

After interning at various health care organizations, including Kingsbrook Jewish Medical Center, Richards spent four years in the utility industry as a labor relations specialist before eagerly returning to health care as Kingsbrook’s HR director. The only non-senior executive on Kingsbrook’s Leadership Institute Steering Committee, in the past two years she has successfully improved supervisors’ skills by presenting lectures and navigating 130 participants through the program. Richards also has boosted employee engagement through a variety of creative programs, including an extremely popular concert series by and for employees. She has further demonstrated her HR excellence by increasing efforts across the institution to improve patient satisfaction scores.

“Tonya has effectively reshaped the human resources organization to help Kingsbrook become greater than the sum of its parts,” stated John McKeon, Kingsbrook’s vice president of human resources.

Richards said, “One of the rewards of my role at Kingsbrook has been to help our employees continue to provide for our community in an environment of health care transformation. Throughout this transformation, I’ve learned that HR leaders need to focus on continual growth and share their experiences with others so they can learn and excel.” Regarding winning the award, she continued, “I fell in love with the human resources field back in college, so getting the news was very emotional for me. I’ve worked hard on improving my leadership skills, and since I’m younger than most directors, the award will give me added credibility.”

Applications for the 2015 GWL Award can be submitted online beginning January 2015 at http://www.aha-solutions.org or http://www.ashhra.org.

About the AHA

The American Hospital Association (AHA) is a not-for-profit association of health care provider organizations and individuals that are committed to the improvement of health in their communities. The AHA is the national advocate for its members, who include nearly 5,000 member hospitals, health systems and other health care organizations and 43,000 individual members. Founded in 1898, the AHA provides education for health care leaders and is a source of information on health care issues and trends. Visit http://www.aha.org to learn more.

About ASHHRA

Founded in 1964, ASHHRA is a personal membership group of the American Hospital Association (AHA) and has more than 3,500 members nationwide. It leads the way for members to become more effective, valued, and credible leaders in health care human resources. As the foremost authority in health care human resources, it provides timely and critical support through research, learning and knowledge sharing, professional development, products and resources, and provides opportunities for networking and collaboration. For more information about ASHHRA, visit our website at http://www.ashhra.org.

About AHA Solutions

AHA Solutions, Inc. is a resource to hospitals pursuing operational excellence. As an AHA member service, AHA Solutions collaborates with hospital leaders to identify key challenges the field faces. We then work with market consultants to conduct the proprietary AHA Signature Due Diligence ProcessTM and identify solutions. AHA Solutions provides access to content experts and education to support product decision making. As a subsidiary of the AHA, the organization convenes people with like interests for knowledge sharing that is centered on timely information and research.

AHA Solutions is proud to reinvest its profits in the AHA Mission: To advance the health of individuals and communities. For more information, contact AHA Solutions at 800.242.4677 or visit http://www.aha-solutions.org.







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- Workshop Stressmanagement


– Workshop Stressmanagement

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