The iPhone Is The New Doctor's Housecall | Not Vanilla

Date: 2012.08.05 | Category: Health Related | Tags: Health Related

Health related iOS apps are proliferating quickly in the App Store. While the most popular health related apps tend to be focused on diet, exercise, and stress relief, there are some other fast growing trends that show how the iPhone and iPad transforming the healthcare experience for consumers.

According to MobiHealthNews, which provides an annual assessment of the market for mobile apps related to medicine, health, and fitness, three new trends are emerging that could significantly reshape our experience of healthcare.

In its annual study, MobiHealthNews notes that most apps fall into one of 12 general categories (as noted in the chart above) with apps that support cardio-related fitness, diet and meal planning, stress reduction, strength and weight training, and womens health being the five most common categories.

This year, however, the health news service notes that there is significant growth in areas that it hadnt identified as distinct categories until now. Its current category chart will likely have to be redesigned to include three new and growing types of consumer health apps: allergy information and management apps, interactive apps for specific doctors offices or healthcare groups, and physical therapy apps.

Allergy management is considered a new app category because the majority of apps related to allergies have been launched in the past ten months. The emerging category is largely dedicated to seasonal allergies rather than to most serious types of allergies like those to shell-fish, various types of nuts, and bees all of which can be fatal. MobiHealthNews notes that some of these apps have become highly ranked in the App Store. The interesting trend here is that there are multiple allergy management apps produced by pharmaceutical companies, which while providing useful information, can also serve as marketing vehicles for specific drugs. Given that iOS devices in general, and the iPad in particular, deliver a better marketing punch than other types of ads, that could impact how allergy sufferers evaluate treatment options.

The second trend is apps by established health care providers like individual doctor or provider practices, medical groups, hospitals, and insurance carriers. Many healthcare professionals and facilities are embracing consumer-oriented apps as ways to distribute provider information and general health references. Some are also offering direct interaction for things like scheduling appointments and paying bills. A handful even offer the ability to interact with doctors, nurses, or other providers directly through the app. Its not really surprising to see such a contingent of apps proliferate as many businesses in healthcare and other industries are developing consumer-facing apps. Most major pharmacies already have iOS apps, for example.

The third trend is physical therapy apps. Most of these apps are focused on specific injuries, conditions, and areas of the body. Many provide reference guides to help patients with at home exercises and MobiHealthNews expects to see doctors and physical therapists prescribe these apps.

Ultimately, the message for consumers and healthcare professionals alike is these new growth areas all focus on educating and empowering patients to take more control of their health and healthcare needs. Thats a positive impact for individuals so long as they turn to reputable apps. It is worth noting that accuracy and potentially biased information are big concerns cited by physicians about medical and health apps in general.

  • Source MobiHealthNews
  • Image MobiHealthNews

Source: http://www.notvanilla.us/the-iphone-is-the-new-doctors-housecall/

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Real Estate Flip Could Be Best for Both ? Customers the Sellers ...

Welcome to the famous five minute WordPress installation process! You may want to browse the ReadMe documentation at your leisure. Otherwise, just fill in the information below and you?ll be on your way to using the most extendable and powerful personal publishing platform in the world.

Please provide the following information. Don?t worry, you can always change these settings later.

Source: http://answers.apostoliccm.com/2012/08/real-estate-flip-could-be-best-for-both-customers-the-sellers-2/

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Make Sure Your Wedding Is Perfect With These Tips ...

Making preparations for the perfect wedding can be the most stressful job you will ever undertake! You can learn a lot of valuable information from the following article.

Don't just fixate on a dress you saw in a wedding magazine. Understand what dress style looks best on you and focus on that. If you are not very tall, steer clear of getting your dress altered, just go to the petite section. The petite dress will look better; you will be really glad you made the decision!

It's important to buy a dress which is appealing to your eye, but it should also fit you in a flattering way. For example, if you're not very tall, then shop in the store's petite section instead of altering a dress that's normal length. You will notice the difference and your guests will too!

If you want a much better wedding day look but on a budget that is tight, consider renting diamonds. Renting earrings or a glamorous necklace can complete your look but will not leave your pockets empty.

Post a schedule of events on your wedding website or send an itinerary with your wedding invitations. This helps out-of-town guests make appropriate travel plans, especially guests who are going to participate in your wedding rehearsal or other events. Give them clear direction, times to be there and what they need to bring, so that things go smoothly.

The most important part of marriage is the person you plan on marrying. Don't rush this decision, as it alters your life like no other. Give this person's habits and peccadilloes a great deal of consideration.

The pictures that are taken at your wedding are very important as you will look at these for the rest of your life. Choose to hire a professional who can photograph your day in a way that is going to document all of your special moments, even if it means spending a little extra.

Make a list of the things you want for your wedding, and list each thing by level of importance. For example, if you care more about where you're having the wedding than who is attending it, put your desired venue ahead of your guest list. Prioritizing your wants can ensure that you don't step over your allotted budget and still have the wedding day of your dreams.

Make sure everything is perfect for the bride so she is happy on her wedding day! The worst thing for a bride to endure is having a wedding that is stressful or less than ideal. You want to just run everything by her as well as make sure there is nothing that you are missing to ensure her happiness.

Now you have discovered the inner workings of creating, hosting and planning a wedding, this information can help you make your wedding a more intimate experience. Implement the tips and tricks above to take the stress out of getting wed, and enjoy the glorious event that you've created.

When you want the perfect wedding attire, you'll find quality Williamsburg.

Source: http://relationshipsa-z.blogspot.com/2012/08/make-sure-your-wedding-is-perfect-with.html

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Iraq's Hajji the healer: creams and circumcisions

Every day dozens of people flock to Salman al-Khafaji's clinic in central Baghdad, hoping the octogenarian can treat their ailments where the Iraqi capital's hospitals and doctors have failed.

Khafaji is one of a dwindling number of mostly men who have filled gaps in Iraq's health system which during the 1990s was short on medicine as a result of the embargo imposed on the country for Saddam Hussein's invasion of Kuwait.

And later, following the 2003 invasion, the system was overwhelmed by countless victims of violence.

The 82-year-old specialises -- to the extent that such a thing is possible -- in concocting mixtures of ointments, medicines and creams to treat skin problems.

He also carries out circumcisions in a room in his home, and has done so for 53 years.

"Sometimes I receive people suffering from burns who have come directly from Yarmuk hospital, or Medical City, or others," he says, referring to some of the city's largest hospitals.

"They need constant care for long sessions, and that is not always available in hospitals."

The walls of Khafaji's house in Karrada, Baghdad's main commercial district, are lined with framed verses from the Koran and also paintings of the Virgin Mary.

Patients walk along a short corridor to a waiting room in the corner of his home and are then treated in an adjoining area that is separated only by a two-metre-high (6.5 feet) curtain.

Khafaji also maintains another room for patients who need to fully disrobe for treatment.

And while he dons a clean white doctor's coat, none of his patients refer to him as such, instead calling him simply Hajji -- a title literally given to those who have undertaken Islam's holy pilgrimage, the Hajj.

In many cases, Hajji is also used as an honorific for older men.

On one day, 16-year-old Mohammed Hassan lay on Khafaji's bed, with bandages and gauze covering parts of his head, arms and legs.

The teenager, a resident of the Baghdad Jadidah neighbourhood in the east of the capital, was burned in a fire that broke out in a car he was in.

"After I left the hospital having been treated, doctors said I just needed some time to recover," he says.

"But the effects of the burns and the pain continued, and I did not feel better until I came here."

Khafaji trained as a nurse in 1957, working in government-run hospitals for 21 years in Baghdad, the western province of Anbar and the southern province of Wasit.

Two years later, he opened his own clinic in his parents' home.

During the late 1970s, he quit his job as a nurse and focused full-time on the clinic, which is open seven days a week and where individual sessions cost 40,000 dinars, or about $32.

"The worst cases we receive are for people who have suffered burns because of incidents involving electricity short-circuits or hot asphalt," says Safaa al-Khafaji, one of the clinician's three sons who work with him.

The situation is a far cry from the peak of Iraq's sectarian war from 2006 to 2008, when the clinic treated countless victims of violence.

Over the years, Khafaji, a father of five and grandfather of 15, has treated family members of top officials, including the sons of Tareq Aziz, Saddam Hussein's deputy prime minister who is now in an Iraqi jail awaiting execution.

He says his patients also include foreigners living in Iraq -- people hailing from Bangladesh, India, and from other Arab countries including, most recently, a Lebanese woman earlier this year who sought his help for a skin problem.

Throughout, he has used home-made therapeutic concoctions, mostly for the treatment of burn victims, helping to ease their pain and covering their scars.

Iraqi medical officials insist that patients should be treated only in hospitals or by qualified doctors, but acknowledge that because of long-held traditions, Iraqis still visit traditional healers like Khafaji.

"I checked with four doctors in Iraq and I travelled to Egypt twice for treatment, but there was limited improvement in my condition," says Adil Mohammed, who travelled from Hilla, 100 kilometres (60 miles) south of Baghdad, to be treated by Khafaji.

Mohammed, 47, had lesions on his right thigh and said that while doctors advised him to pursue laser treatment, "after a few treatment sessions here, I feel much better."

Source: http://news.yahoo.com/iraqs-hajji-healer-creams-circumcisions-072518468.html

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Murray leads charge for more GB golds on Sunday

Wimbledon finalist Andy Murray leads the Team GB charge for more gold medals on Sunday as the host nation's focus switches away from the Olympic Park to the tennis at Wimbledon in southwest London, gymnastics in London's Isle of Dogs at the North Greenwich Arena and sailing at the seaside town of Weymouth.

Spurred by Britain's six gold medals on Saturday, Murray will seek revenge against Roger Federer in the tennis men's singles final after losing to the Swiss superstar in the regular Wimbledon tournament a month ago.

The Scotsman has the opportunity to win a second gold on the same day when he partners Laura Robson in the mixed doubles final later Sunday.

Murray doesn't believe he has been put at a disadvantage by the hectic build-up to his singles final, saying: "I wouldn't prepare like this for a slam final. But it's the Olympics and it's different."

He says he will have no problem if he has to play five sets against Federer, despite having battled through two hard fought mixed doubles matches on Saturday."

Murray says the prospect of winning two gold medals at his home Games is a once-in-a-lifetime incentive that should pull him through the pain barrier if he starts to flag.

"For me both matches are very important. I'd love to win two golds, but I'd obviously prefer one gold than two silvers," he said.

Peterborough's Louis Smith will bid to convert his bronze medal from the Beijing Games into Britain's first ever Olympic gymnastics gold in the pommel horse final.

Max Whitlock will compete for Team GB in the same event but it is 23-year-old Smith who is tipped for gold despite a likely strong challenge from Hungarian double world champion Krisztian Berki.

Smith says he has been spurred on by last week's achievement in the team event, when the five-strong team took bronze to collect Britain's first Olympic men's team gymnastics medal.

"Everyone feels a little bit more flamboyant. Everyone can go out there and push it a bit more. I wouldn't say we'd take more risks. They will be doing the same routines. But they will definitely feel a bit more confident.

"The fact that we've got a medal makes the rest of our competition more enjoyable," he said. "I can really go out there and try and perform and see what I can do. If it doesn't happen, I've (still) got a medal."

Smith was the highest qualifier for the pommel horse final and broke down in tears when he saw his 15.800 score flash up. He then went one better in the team final, powering his way to a 15.966 score and overshadowing Berki's 15.033 mark.

Britain is in contention for two sailing gold medals on Sunday, in the Finn and Star classes.

Three time gold medallist Ben Ainslie could become the greatest Olympic sailor of all time if he wins the Finn class, though to do so he has to overhaul Denmark's Jonas Hogh-Christensen,two points ahead of him in the standings.

"Ben is coping with the pressure very well," said team leader Stephen Park. "I think of all the sailors in that Finn fleet he has had to deal with a lot of pressure and expectation for a huge number of years now. It will be interesting to see how the Dane really deals with that."

In the Star class, Iain Percy and Andrew Simpson are already guaranteed bronze and Park said: "Iain and Bart have got a few points cushion so they have got a far better chance, so long as they are in touch with the Swedes and in particular the Brazilians. Even if they are behind, they will win the gold.

"They have quietly gone about their business, part of that is due to the media wanting to focus on the battle between the Dane and Ben." Victory would bring Percy a third Olympic gold and Simpson a second.

"We must remember with all the media interest around Ben, that these guys aren't forgotten. They are amongst the best sailors in the world and will be amongst the most decorated sailors in the world if they win gold on Sunday," the team leader added.

Fourth place or better will bring gold to the GB duo ahead of Brazil's Scheidt annd Bruno Prada and Swedish duo Fredrik Loof and Max Salminen.

On Sunday evening, Britain has a chance to win yet more medals in the main Olympic Stadium after Saturday's triple success by Jessica Ennis in the heptathlon, Mo Farah in 10,000m and Greg Rutherford in long jump.

Christine Ohuruogu, born less than a mile from where the Olympic Stadium now stands, will defend her women's 400m title in Sunday night's final.

Though she has been out of form this year she showed that she should not be written off when she beat reigning world champion Amantle Montsho of Botswana in a Diamond League meet at Crystal Palace last month.

Usain Bolt and his Jamaican and American rivals have grabbed the attention in the men's 100m event but Team GB could still win a medal.

All three entrants from the host nation have qualified for Sunday evening's semi-finals, to be followed later in the night by the all-star final

Dwain Chambers, who has battled back following a two-year doping ban, qualified from Saturday's heats as did teenage hope Adam Gemili and unheralded Londoner James Dasaolu.

Source: http://news.yahoo.com/murray-leads-charge-more-gb-golds-sunday-093535604--oly.html

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Dollars and Common Sense: Finance Basics for a Successful Life

Dollars and Common SenseDollars and Common Sense: Taking Charge of Your Investments in the Tumultuous 21st Century, by Peter Andresen looks at how to manage your money and invest it to build wealth.

Andresen, a financial advisor who founded Andresen and Associates, wrote this book mainly for anyone interested in making financial choices without ?fear of investment fears, phobia, and mythology.? ?It does not dive into small business financials.? But small business owners don?t have the luxury of receiving a paycheck and need financial planning more than most, and so should consider it a guide for growing their investment income.

Grandparents Had A Point About Saving Money?

The author?s fiscal approach is conservative, based on a self-described 10 commandments of Investing for Success.? Early passages concern a very centralist view of finance ? The first commandment is:

?Times of economic and physical hardship are an inevitable part of life. They pass.?

Then segue into more about the investor?s rational (?Manage your own irrational mind?). ?Andresen?s point is one where extremes distort us from our primary objectives.

This view makes Dollars and Common Sense?stand out from many prominent guru books. Andresen writes on perfectionism, the idea that you avoid imagining how your portfolio can be in a downturn ? and on preventing scam.? The nice perspective he brings is placing the ego in check:

?The best investors lose money too. The difference between them and everybody else is how they deal with it.?

Andresen advocates budgeting, but takes that ethos beyond the topic of reducing debt into conservative suggestions regarding investment choices. ?Chapter 5 suggests investing only in mutual funds, followed with detailed chapters on differing mutual funds classes. I am not sure using the phrase ?only? is a trump card for all investing, but given the amount of the exotic instruments unleashed on the American public, Andersen works to take you towards a manageable selection of investments.

? and Andresen makes a solid case for fiscal conservatism

Andresen is against the complexity that investment banks have wrought on the public.? It?s the velocity of these instruments that have come into question, and Andersen does a good job explaining how that velocity came to be institutionalized:

?The core of 2008?s financial explosion was ? constructed as early as 1970.? There were those who spoke out. Nassim Nicholas Taleb wrote his books on the Black Swan, the effects of the unexpected. Robert Schiller wrote about Unbridled Exuberance. So we were warned, but their voices were drowned out in a sea of marketing disguised as advice?..as the entire mortgage-backed securities market came crashing down, the stock market, the oil market, the gold market, and the real estate market imploded as well. It was a perfect storm. There was nowhere to hide, except Treasury bonds? The bottom line is that the rules of the last 30 years don?t appear to have worked. How humbling to discover that the World War II generation was right after all!?

Supporting charts indicating economic performance over the past several generations; most of the data presented supports a conservative approach for one?s portfolio. A chapter on rebalancing your portfolio explains the definition and process, while another chapter notes the qualities a financial adviser should possess.

Furthermore, Andresen?s writing style is imaginative and light on jargon, while still covering some good technical details and the purposes behind those details. Read this quote for example:

?It?s important not to get diverted into researching for new funds right now. If you chase a magazine?s top-performing funds, you will wander off into a forest of mutual fund statistics and anxiety. Let it go. Right now all you need to do is rebalance to the best of your ability.?

Dollars and Common Sense offers a standard read on personal finance.? You?ll certainly need to weigh the advice against your own set of investment risks. ?If your investment tastes lean towards more risk ? investing in stocks or occasionally use calls and puts options ? other books will ?suffice.

But Dollars and Common Sense will address readers who need a balanced approached of self-management yet still need advisory for fiscal management.? For the busy small business owner, the brevity of text won?t overtake a business day in understanding the book?s personal finance messages.

Those messages will reward you with a good baseline for getting back to finance basics.


About Pierre DeBois

Pierre DeBois Pierre DeBois is the founder of Zimana, a consultancy providing strategic analysis to small and medium sized businesses that rely on web analytics data. A Gary, Indiana native, Pierre is currently based in Brooklyn. He blogs about marketing, finance, social media, and analytics at Zimana blog.

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Source: http://smallbiztrends.com/2012/08/dollars-and-common-sense-book-review.html

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Exactly how Cervical Melanoma Works and also For you to Read ...

Cervical cancer a.k.a kanker servik will be the unusual expansion of tissues at the cervix. For this reason, its title can be so. Listed and also discussed on this page include the warning signs along with screenings for cervical melanoma. Be aware that cervical cancer malignancy is as unsafe because well-known as well as widespread teat cancer malignancy. Cervical most cancers is certainly caused by caused by intercourse. It is usually regarded as a direct effect involving sxually carried conditions.

Early on cervical malignancies are usually asymptomatic. Consequently they cannot present any signs and symptoms since it requires years for that cancerous tissue to develop. Microbe infections and also other health conditions could also found similar symptoms. Therefore, it is advisable to seek advice from a good obstetrician along with gynaecologist to be able to eliminate any kind of possible health concerns and have the correct therapy since possible.

The most common indication associated with cervical cancer is actually blood loss in the vagina occasionally other than when you?re having a interval. You may have blood loss:

- Among times

? After or perhaps during intercourse

- At any time if you?re post-menopausal

- Vaginal eliminate with an annoying odor

- Pain or even soreness during sx alone

Screenings just like the cervical smear tests should be accomplished yearly. This should be known since the hazards of experiencing sx. To put it briefly, when you begin getting sxual intercourse, verify oneself with regard to these kinds of smear checks. Just what this kind of cervical smear test really does is actually display with regard to abnormalities with the cervix, often determining abnormalities caused by the ?HPV? (any virus that creates cervical melanoma). There are 2 types of smear exams. The first being the particular ?glass side?; that is the most typical along with ?ThinPrep Pap Test?.

Be aware that post-menopausal women still must experience smear exams. Nevertheless, pap exams usually are not built to identify ?HPV? but may determine adjustments because of the ?HPV? attacks. A separate analyze, the ?HPV? test enable you to analyze for ?HPV? malware alone.

Uncover Several Cervical Cancer Therapies

Such as so many various other internal organs by the body processes, your cervix may acquire cancer malignancy. Contrary to the mediocre ones, it is the second-most at risk of acquire all of them, alongside breasts melanoma. Cervical cancer malignancy doesn?t develop swiftly. The truth is, it could acquire extremely slowly how the individual doesn?t even understand it is there until eventually that they invest in a screening or possibly a actual exam. Given that this is prone to women, it is essential that individuals mention distinct cervical cancer therapies.

Essentially the most acknowledged approach the actual health care business snacks cervical cancer will be by way of hysterectomy. It is the surgery to take out the actual uterus. If your melanoma is already in the superior levels, removal of the lymph nodes may end up being absolutely essential. This type of cure will be nearly all girls most detrimental problem mainly because it removes their capacity to offer start.

The good news is, there are some other, more gentle methods to deal with cervical cancer, as well as maintain the maternal capabilities intact. As well as for all those ladies looking to stay fertile, there are some cervical cancer malignancy treatment plans they might prefer to choose.

One of the more set up procedure is the LEEP or never-ending loop electrosurgical excision treatment. The rewards include this being about the economical aspect, a very prosperous charge regarding remedy, doesn?t call for key surgical procedure, and also makes use of merely nearby anesthesia and can be achieved inside physician?s workplace.

Another method may be the cone biopsy. This particular operative procedure consists of taking away merely the actual cone-shaped samples from your mucous tissue layer, after which radiation remedy can be used.

If your cone biopsy does not work positively, the next phase is to carry out trachelectomy. This process consists of your physician wanting to get rid of merely place that may be cancer while keeping the particular ethics from the uterus and also the ovaries. However, this could only be performed if your cervical cancer has not dispersed for the other elements of the particular uterus. A single disadvantage with this particular can be that you have only a few competent professionals which are professional enough to do this kind of complex and elaborate course of action.

There?s also additional standard possibilities:

Radiation Therapy : This really is carried out by making use of the outside order towards the pelvis. It could be accomplished inside the camera by way of a treatment known as brachytherapy.

Chemotherapy ? This is actually the most favored and most in-demand method throughout many melanoma.

The most important thing to consider any time seeking numerous cervical melanoma therapies is that there is usually possible that will to be able to possess kids in the future will be compromised.

Surgery to take out cancer doesn?t normally impact male fertility, however regarding cervical melanoma exactly where it might be essential to offer the tummy or even ovaries taken out, infertility is surely an inevitable outcome. A number of types of medical procedures towards the cervix, vagina and vulva in addition bring about infertility.

Cervical most cancers is not a new dying sentence; plus its just about the most treatable malignancies around. It can be ironic, nonetheless, for the reason that for most women it can imply the final of living, or even at least the final in the continuation involving lifestyle, the finish of progeny. For most girls this particular alone is often a loss of life word. They want help as well as love to aid them by way of this extremely tough occasion and also to be able to note that that they nonetheless get so much to offer the entire world. A woman could be a complete lady on her personal conditions and also the girl can determine people phrases for very little. Often almost all she wants can be a tiny assist every single child note that.

Source: http://www.superiodicoaldia.com/exactly-how-cervical-melanoma-works-and-also-for-you-to-read-this-particular/

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Starting A Small Online Business

If you have been surfing around the web for a while you have probably heard about people making money or starting an extremely successful online business. Even though these stories cover the web and want you to pay a bunch of money so you can also make money they very rarely tell you the whole truth. Online business is anything, but easy and very rarely can you set up a residual income meaning you don?t need to constantly work for income. In most cases you will have to fight for every visitor and every dollar you get. This is the usual case so if you have been thinking you would like the chance to make money online then try building a simple small online business and seeing where it takes you. The first step will be of course setting up your online business, next will be learning internet marketing, and finally it will be necessary to learn how to make money from the traffic you generate.

Creating an online business is not nearly as complicated as many make it out to be. You can do this for free at one of the many resources out across the web such as wordpress.com or 000webhost.com. For those a little more serious about making a living online you may want to consider purchasing unlimited hosting though it is not mandatory. Once you have a platform that you can create the presence it is time to think of a niche which you thoroughly enjoy. A niche is what bloggers and webmasters call the topic of a website. A couple good examples of a niche include ?internet marketing?, ?online business?, or ?fishing?. Pick something that you truly love so when times are rough you don?t give up on the business.

If you create your online business go ahead and monetize it quickly with affiliate programs or PPC publishing. Some of the affiliate programs I found pay the highest commissions are get paid to take survey programs. The reason they are extremely easy to market is they are free for your audience and will actually help them begin to earn money. If you want to post some basic ads then go to Google adsense or chitika. Both will be free for you to join and will allow you to create simple ads to post on your website which will allow you to earn money every time a visitor clicks on an ad.

Saving the best for last it is time to talk about internet marketing and content creation. This is where millionaires are made those who create content that shoot across the web like a virus. You will need to learn some basic internet marketing such as SEO, link building, and branding which you can do in webmaster forums such as v7n.com/forums/ or on the major blogs out there. Really though your success will be seen in your ability to write content which touches people making them want to link to you and share your content across the web. Focus on creating content constantly becoming an expert content creator and try to fill the black holes within your niche that have not been covered. The best way to see if content has already been written is going to Google and searching for the title. If there are no posts or articles for the title then by all means write and publish the article.

Source: http://www.businesseconomic.info/2012/08/starting-a-small-online-business/

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How To Make Sure Your Crowdfunding Dreams Don?t Turn Into An Investor Relations Nightmare

Jason Best and Sherwood NeissEditor's note: Jason Best and Sherwood Neiss spearheaded the efforts to legalize crowdfunding and?helped author the JOBS Act. They founded Crowdfund Capital Advisors and are currently co-authoring Crowdfund Investing for Dummies. The concept of crowdfunding to launch and grow your business may seem like a dream come true?reduced cost of capital, access to new pools of investors, the community opening their arms and wallets? all giving your business a shot to make it big. ?While crowdfunding (both donation and equity based) offers amazing opportunities, it also brings fiduciary responsibilities, commitments of time, reporting requirements and the potential to let down the people who mean most to you in the world if the unforeseen happens and failure occurs.

Source: http://feedproxy.google.com/~r/Techcrunch/~3/jq1Gh51JldA/

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Consumer agency probes mortgage insurance deals - seattlepi.com

WASHINGTON (AP) ? The government's consumer finance watchdog is investigating deals that transferred billions in premiums charged to mortgage borrowers from mortgage-insurance companies to the banks that made the loans.

The deals amounted to kickbacks, because the banks pressured insurers into them in exchange for a share of the banks' mortgage-insurance business, according to civil lawsuits filed by borrowers and legal experts.

The Consumer Financial Protection Bureau has served subpoenas to American International Group Inc., MGIC Investment Corp. Genworth Financial Inc. and Radian Group Inc., the companies said in public filings this week. The CFPB asked for documents and answers to written questions about captive mortgage reinsurance deals, they said.

The companies did not respond to requests for comment Friday.

Mortgage borrowers whose down payments are less than 20 percent typically must buy private mortgage insurance that protects the bank in case they default. Because mortgage insurers charge roughly the same rates, borrowers generally choose an insurer recommended by their lender.

Lenders routinely steered borrowers to their preferred mortgage insurers, said Mike Calhoun, who was the lead attorney on a class-action suit about the practices in the early 2000s. In return, the insurers shared their premiums with the lender by buying reinsurance from a company owned by the lender at vastly inflated rates.

"It's just a grossly overpriced reinsurance that is many times more expensive than what arms-length reinsurance costs in the general market," said Calhoun, who now is president of the Center for Responsible Lending, a consumer advocacy group. Banks were typically insulated from any real possibility of loss on the reinsurance, he said.

Mortgage insurers called their payments to banks reinsurance because it is illegal to pay fees or kickbacks in exchange for referrals of business related to mortgages, under a law called the Real Estate Settlement Procedures Act, or RESPA.

Creating costly reinsurance and splitting the borrowers' fees and premiums was "primarily a way to get around the RESPA referral fee situation," Calhoun said.

Reinsurance usually is used by insurance companies to transfer some of their potential risk to another company. In these cases, they claimed that the risk was transferred in exchange for a reasonable fee. But several civil lawsuits filed by borrowers argued that the risk was not truly transferred and the fees were merely a way to attract business from banks.

The mortgage insurers didn't necessarily want to transfer that risk, because that meant sharing the premiums and fees collected from borrowers.

"The mortgage insurers were bullied into this," said Guy Cecala, publisher of Inside Mortgage Finance, a trade publication. "The lenders would say, 'Hey, if you don't take this, we won't even give you any business.'"

The reinsurance deals unfairly add to people's monthly payments while offering them no direct benefit, said Adam Levitin, an authority on consumer finance and a visiting professor at Harvard Law School.

"There really isn't any insurance here, it's just cash going around in a loop," he said. "It's really as if you're paying a higher mortgage rate."

The CFPB's subpoenas, called Civil Investigative Demands, mean that its enforcement division has launched a preliminary probe of the matter. The investigation could result civil charges against the companies, or might be resolved without any formal action.

A spokeswoman for the CFPB said the agency does not comment on, confirm or deny activities by its enforcement team.

The companies already had responded to similar inquiries about mortgage reinsurance from the Department of Housing and Urban Development's inspector general, they said in their filings. The HUD probe was transferred to the CFPB after it took over enforcement of the law that allegedly was violated.

AIG said in its filing that the CFPB had allowed it to delay its deadlines for submitting the information because AIG is close to settling a formal enforcement action with the Minnesota Commissioner of Commerce. The company said that "could resolve the investigation." AIG shares closed up 50 cents, at $31.34.

MGIC shares fell 4 cents, or 4.6 percent, to close 84 cents on Friday. The company had said Thursday that its second-quarter loss widened as homeowner defaults forced it to pay out more insurance claims. MGIC has posted annual losses since 2007, and expects the losses to continue.

Genworth rose 20 cents, or 4.9 percent, to $4.32. Radian rose 17 cents, or 6.3 percent, to $2.86.

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Daniel Wagner can be reached at www.twitter.com/wagnerreports .

Source: http://www.seattlepi.com/news/article/Consumer-agency-probes-mortgage-insurance-deals-3760206.php

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