Sally Welsh, Chief Executive Officer of HPNA, HPCC, and HPNF Announces Resignation

Will continue full-time role as CEO until March 31, 2019. Boards will engage in a search process to select the next CEO.

PITTSBURGH , PA, USA, October 17, 2018 / —
After nearly seven years of dedicated and visionary leadership serving as Chief Executive Officer of three affiliated organizations, Sally Welsh, MSN, RN, NEA-BC has announced her resignation, effective March 31, 2019. Ms. Welsh serves as CEO of Hospice and Palliative Nurses Association (HPNA), Hospice and Palliative Credentialing Center (HPCC), and Hospice and Palliative Nurses Foundation (HPNF).

“We are indebted to Sally for her stellar leadership, helping HPNA gain the leadership role in palliative nursing through partnership with aligned organizations and engagement of our members,” said Debra Wiegand, PhD, RN, CHPN, CCRN, FAHA, FPCN, FAAN, President of HPNA.

HPCC President Stacy Smith, MA, MLS, BSN, RN, CHPPN added, “HPCC has established itself as the premier credentialing organization for hospice and palliative professionals under Sally’s leadership.”

“Sally drove tremendous growth for our foundation,” said Diane Mead, BSN, RN, ACC, LNC, Chair of HPNF. “With this growth we are now able to fund major initiatives to support the important work of the whole enterprise.”

Ms. Welsh boldly transformed and guided the enterprise into new strategic directions. Since becoming CEO in 2012, in partnership with the Boards of Directors of HPNA, HPCC, and HPNF, Ms. Welsh created the enterprise structure and facilitated a shared mission, vision, strategic pillars, branding, and strategic planning process. She initiated an annual joint board meeting and drove significant growth in the financial status of the enterprise.

On the operational front, Ms. Welsh established an executive leadership structure and staff infrastructure and implemented numerous IT systems, including a new membership portal, certification platform, and learning management system. In 2017 HPNA, under Ms. Welsh’s leadership, convened the Palliative Nursing Summit and development of the subsequent project teams that continue to launch new initiatives in advance care planning, pain and symptom management, and coordination of care. She is credited with significant growth in brand, image, recognition, strategic relationships, and advocacy initiatives, as well as a successful turn-around of the foundation. She implemented a solid, data-driven evaluation process for certification programs and successfully negotiated a publication contract that resulted in significant cost savings for HPNA.

Looking forward, Ms. Welsh has established programs of sustainable growth, including development of the Employer Partner Program and a comprehensive design structure for the development of educational products and services.

“It has been an honor and privilege to serve as CEO of HPNA, HPCC and HPNF and I look forward to the continued success of these organizations in the years to come,” said Ms. Welsh. “I am very proud of the progress our enterprise has made during the past six years and I look forward to working with the Boards to ensure a smooth CEO transition process.”

Ms. Welsh will continue in her full-time role as CEO until March 31, 2019. The Boards of HPNA, HPCC, and HPNF will engage in a search process to select the next CEO.

About the Enterprise

The Hospice and Palliative Nurses Association was established in 1986 and is the national professional organization that represents the specialty of palliative nursing, which includes hospice and palliative nurses, and has over 11,000 members and 50 chapters nationally. The Hospice and Palliative Credentialing Center is the only organization that offers specialty certification to the hospice and palliative nursing team. Over 18,000 health care professionals hold HPCC credentials that establish a professional commitment to safe, ethical, and evidence-based care. The Hospice and Palliative Nurses Foundation is a 501(c)3 nonprofit organization that provides professional development opportunities to qualified members of the hospice and palliative care team. These organizations work together to promote a common mission, to advance expert care in serious illness, and a common vision, to transform the care and culture of serious illness. Visit to learn more.

Harry Crytzer
Hospice and Palliative Nurses Association
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Source: EIN Presswire

Waite Enterprise Further Diversifies With LMD Financial, LLC, A Successful Dallas Auto Sales and Financing Company

LMD Financial, LLC Provides strong entrance for Waite Enterprise into automotive and automotive financing sector announces CEO Daniel Waite.

DALLAS, TX, USA, October 17, 2018 / — Waite Enterprise continues to add depth to its leadership and diversification to its assets with LMD Financial, LLC. Headed by CEO Larry Picket, who has owned and ran a number of successful businesses in the past, including a few financial companies and an insurance company, LMD Financial, LLC will specialize in selling, leasing and financing high end sports and luxury vehicles.

“This gives us strong presence in the automotive sector right away.” CEO of Waite Enterprise Daniel Wait explains. “And Larry has just the expertise and experience we need to lead the financial and automotive division of our growing company. Initial offerings will take, for example, a Lamborghini fully restored, then sold or leased to a satisfied customer, financed by LMD as well. One has already been purchased and is being restored and will be sold or leased so that the company holds the profit from the sale or lease and the points from the financial contract. This is the beginning of long term financial leveraging for the company. Eventually we will be able to fund every project in house. This is all part of forward guidance that will preach diversity, allocation and sharing or resources and the minimization of overhead, which will lead to the maximization of profit for current and future investors.”

In the coming months LMD Financial, LLC will continue to add vehicles to its inventory with the long term goal of building a fleet and expanding financial platforms. For now the company is setting up shop in the new Waite Enterprise headquarters in Addison, Texas and developing its existing inventory.

About Waite Enterprise:

Waite Enterprise (subsidiary of Waite Capital, Inc.) is a diversified holding company with a vast platform of subsidiaries and investments that leverage resources and growth from various sectors, currencies and assorted commodities, from cryptocurrency to real estate to high end vehicles. The company is being developed by Daniel Waite with the intention of ultimately going public, offering a diversified investment platform designed as a basket that provides revenue streams from digital platforms, currencies, and businesses in the construction, healthcare and financial fields.

About LMD Financial, LLC:

LMD Financial, LLC is a financing instrument for automobile sales and leasing in the Dallas Texas area. The company specializes in purchasing, selling, leasing and re-selling high end sports and luxury cars.

don eminizer
Smoulder Pro
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Source: EIN Presswire

KDG’s Higher Ed Web Design Team Wins W3 Award

logo for KDG's higher ed web design experts

KDG has been recognized with a W3 Award.

KDG’s Lehigh Valley web design team was awarded a silver W3 Award for outstanding web design.

We strive to produce unique, user-friendly, and memorable designs for our clients.”

— Matt Harwick, Associate Vice President of Design

ALLENTOWN, PENNSYLVANIA, UNITED STATES, October 17, 2018 / — The web design team at KDG in Allentown has received yet another award for their interactive and engaging web design projects. Out of 5,000 entries, KDG was awarded a silver W3 Award from the Academy of Interactive and Visual Arts (AIVA).

“We are honored that our work has been recognized,” says Matt Harwick, Associate Vice President of Design at KDG. “We strive to produce unique, user-friendly, and memorable designs for our clients.”

“The creativity and quality of this season’s entries surpassed even our grandest expectations. As the digital landscape continues to expand and break new ground, our winners are a testament to the creative capability that makes the internet a true work of art,” says Derek Howard, the director of the AIVA.

This silver W3 Award joins a series of recognition KDG has received throughout 2018. The company’s web design team has recently won a Global Trends Award, two dotCOMM Awards, one Summit Creative Award, and two Horizon Interactive Awards. KDG’s small business IT support team was also named an IT Department of the Year by the American Business Awards.

To learn more about the services available from KDG’s award-winning team, visit

About KDG: KDG has been a leading provider of web design, custom software development for businesses, and small business IT support for over 17 years. KDG has developed a reputation for being able to see and respond proactively to changing markets. Learn more at

Keri Lindenmuth
The Kyle David Group, LLC
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Welcome to KDG

Source: EIN Presswire

ITOM Specialist, Aspire Systems Sponsoring ServiceNow Now Summit in Amsterdam

Aspire Systems is sponsoring Now Summit, Amsterdam to collaborate and partner with enterprises looking to build an ITOM Solution using ServiceNow platform.

We are specializing in ServiceNow ITOM to enable enterprises build an efficient ITOM solution. With a new development center in Poland, our ServiceNow practice is growing exponentially in Europe.”

— Ananth Krishnamoorthy, Director of ServiceNow Practice

AMSTERDAM, NETHERLANDS, October 17, 2018 / — Aspire Systems, a global technology services firm, announced today it is a gold sponsor of ServiceNow's Now Summit in Amsterdam. The summit is scheduled on October 25th at Beurs van Berlage in Amsterdam. Aspire will be looking forward to meet and help delegates that are currently using ServiceNow and planning to implement ServiceNow to meet their organizational needs. Our experts will consult the delegates on how to enable ServiceNow ITOM to achieve their business goals and ROI in a short span of time.

Now Summit is a place to learn, connect, and get inspired by ServiceNow visionaries, customers, and partners. This complimentary 1 day program delivers the best of Knowledge 2018 content, ServiceNow’s annual global ServiceNow event which took place in Las Vegas. Experience targeted attends the keynote presentations, education sessions, and additional networking opportunities in ExpoNow. Discover how ServiceNow can help you deliver great employee and customer experiences.

Aspire is sponsoring ServiceNow’s Knowledge and Now Summit conferences for the past three years. Our core focus lies in helping enterprises build an efficient and cost effective ITOM solution that simplifies their IT team’s job. Aspire has strong capabilities to implement ITOM modules – Discovery, Event Management, Orchestration, Service Mapping, Cloud Management, well within your budget limits – through their offshore, onsite and near shore delivery models.

“This is the second consecutive year we are sponsoring Now Summit in Amsterdam. Our ServiceNow practice is growing exponentially in the EU regions, we have also setup a new development center in Poland, this Now Summit falls in right time for Aspire. We are really excited to enable enterprises leverage ITOM modules in resolving today’s Enterprise Service Management challenges.” said Ananth Krishnamoorthy, Director of Infrastructure Support and ServiceNow Implementation Practice.

Aspire invites attendees to its booth to participate in their discussions about ITOM and take away the best practices back home. Registrations can also prebook their sessions with our consultants online.

Kaviarasan Selvaraj
Aspire Systems
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Source: EIN Presswire

Intermountain Precision Genomics Launches NGS ONE Genomics Services

SALT LAKE CITY, UTAH, USA, October 16, 2018 / — Intermountain Precision Genomics has launched NGS ONE™ Genomics Services to empower researchers with uniquely intuitive and cost-effective services for their next generation sequencing studies in precision medicine, translational science and clinical research. This new service allows customers to request kits, obtain quotes and place orders online, with data made available via a secure cloud-based portal.

Helaman Escobar, Director of Intermountain’s Translational Science Center said, “We are thrilled to offer access to the technology and expertise of our high-throughput genomics center to a broader audience of clinicians and researchers.” Escobar adds “We specifically designed the NGS ONE™ service to be simple and intuitive to deliver solutions at scale for studies in precision medicine, research and other fields of science. The service is offered at an attractive price while providing a unique, collaborative environment for outside investigators to work directly with our scientists.”

NGS ONE™ supports projects where whole genome, human whole exome and RNASeq experiments are required. With options available that provide the best combination of pricing, data yields and high sample throughput, NGS ONE™ is designed to accommodate projects of different types and sizes. It aligns with Intermountain Healthcare’s commitment to helping people live the healthiest lives possible by advancing molecular knowledge in health and disease.

Intermountain Precision Genomics and NGS ONE™ are services provided by Intermountain Healthcare. Working at the forefront of medical science and technology, Intermountain Precision Genomics leverages the power of next-generation sequencing and state-of-the art genomic technology to enable translational research. Intermountain Healthcare is widely recognized as leader in clinical improvement and transforming healthcare through high quality and sustainable costs. For more information about NGS ONE™, visit: or, or call (833) 4-NGSONE.

Daron Cowley
Intermountain Healthcare
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Source: EIN Presswire

Rent a TLC Car for Uber & Lyft and Drive at the Right Time

Rent a TLC Car for Uber & Lyft and Drive at the Right Time - Friendly TLC

Rent a TLC Car for Uber & Lyft and Drive at the Right Time – Friendly TLC

Friendly TLC Rentals & Leasing Logo

Friendly TLC Rentals & Leasing Logo

Friendly TLC Rentals & Leasing

Friendly TLC Rentals & Leasing

How to rent TLC car for Uber and Lyft and drive at the best times to maximize income potential

How to rent TLC car for Uber and Lyft and drive at the best times to maximize income potential. ”

— Friendly,

BROOKLYN, NEW YORK, UNITED STATES, October 16, 2018 / — For those who are considering using their own vehicles or perhaps TLC cars for rent, one of the biggest questions is when the best time is to drive. After all, with a 24/7 service, there will be times during the day and night that an Uber or Lyft driver can make more money. Being prepared means making the most out of the busy times to maximize your income.

Everything Depends on Your Location

Being active during rush hour means little if you are far away from business, downtown, or industrial districts. So, to ensure that you are ready for the “surge times” when extra fare prices can be charged, you will need to be in the prime locations for Uber or Lyft services. Remember, the riders will need to be in the prime locations and you need to be nearby if you are going to make extra money. You’ll know because the marker on your app will be a darker red color.

Identifying Surge Times

It’s easy to say typical rush hour traffic, but that is somewhat misleading. In most cities, the most in-demand times are Friday and Saturday evenings and nights from about 8pm to 3am. This is because people are going about town, visiting clubs and bars, and need a ride home. If you can put up with those who have had too much to drink, you can make money during these times.

While not nearly as popular, there are other surge times that include evenings during the week to and from the airport. Plus, you may be able to pick up more passengers during rush hour. Especially those that have a vehicle breakdown or are simply late to work.

Choose Your Times

Despite your determination, it’s just not possible to be working 24/7, whether you own your own vehicle or rent a TLC car for Uber & Lyft. So, you will need to decide which type of work is best for your needs.

Rush Hour: Here, you help people get to and from work, so you will need to be ready by 6am and prepared to work to 6pm or later. The good news is that you will have a big break in your shift during the lunch hour and your weekends are free. However, this does not make as much money compared to other times.

Airport: If you do not mind getting up early, then taking people to and from the airport can be quite profitable. The bad news is that you should be ready to go by 4am. The good news is that most people travel during the week, so you will have more flexibility when it comes to your evenings and weekends.

Party Crowd: You will arguably make the most money. However, you can kiss your weekends goodbye and expect to stay up to 3am on Fridays and Saturdays.

These are the best times for those who drive Uber or Lyft, so choose wisely.

Friendly TLC Rentals & Leasing
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Source: EIN Presswire

New Intermountain Layton Hospital Opens

Stephen Hawley (patient), and Glen Morell, MD

The 300,000-square-foot building has 43 beds and offers a large variety of services

Intermountain Healthcare has a long history of support from our local communities and wouldn't be here today without the support from Layton City and Intermountain leaders.”

— Hospital Administrator Judy Williamson

SALT LAKE CITY, UTAH, USA, October 15, 2018 / — The new Intermountain Layton Hospital officially opened on Monday, October 15, 2018 at 7 a.m., with full hospital and emergency healthcare services.

The 300,000-square-foot building, located at 201 W. Layton Parkway, has 43 beds and will serve a growing Davis County population.

Stephen Hawley, a Syracuse resident, was the first patient to have surgery. “It’s interesting and kind of neat in a way to be the first,” says Hawley. “I think the doctors are going to spend more time and focus on me, so that’s a good thing. The staff all seem excited for the grand opening.”

Hawley moved to Utah from California more than a decade ago for his job. “I love it here. It’s beautiful and so quiet and peaceful,” he says.

Intermountain Layton Hospital is much closer to Hawley’s home in Syracuse, Utah, a small, growing town just east of the Great Salt Lake. The next nearest Intermountain hospital, Intermountain McKay-Dee Hospital, is a 30-minute drive away. “During my recovery from surgery it will be nice to have only a 5- to 10-minute drive home,” he says.

Until now, most Davis County residents have had to travel outside the county for services from Intermountain.

"We're proud to be your new neighbor," hospital administrator Judy Williamson said at a ribbon cutting ceremony. "Intermountain Healthcare has a long history of support from our local communities and wouldn't be here today without the support from Layton City and Intermountain leaders.”

Intermountain Layton Hospital is Intermountain's 23rd hospital and the first hospital to be opened in almost a decade. Intermountain Park City Hospital and Intermountain Riverton Hospital were the last hospitals to open, and both started serving patients in 2009. A 24th hospital, Intermountain Spanish Fork Hospital, is currently under construction and scheduled to open in 2020.

Services to be provided at Intermountain Layton Hospital and the services include:

• Major services include emergency services, women and newborn, special care nursery, surgical services, and infusion therapy.
• The labor and delivery unit includes dedicated rooms for low-intervention birthing — complete with water laboring tubs — for mothers looking for a "home birth" experience in the safety of a hospital.
• Outpatient Clinics have been open since September 2017 and include: Primary Children's Outpatient Services, Layton Parkway Clinic, Northern Utah Pediatrics, a retail pharmacy, and additional physician offices.
• The Layton Clinic InstaCare located at Antelope Dr. will be moving to the Layton Parkway Clinic on the hospital campus later this year.

Intermountain Healthcare is a Utah-based not-for-profit system of 23 hospitals, 170 clinics, a Medical Group with about 2,300 employed physicians and advanced practice clinicians, a health plans group called SelectHealth, and other medical services. Intermountain is widely recognized as a leader in transforming healthcare through high quality and sustainable costs. For more information about Intermountain, visit

Daron Cowley
Intermountain Healthcare
email us here

Source: EIN Presswire

Nurses Champion Advance Care Planning

The #ISaidWhatIWant Initiative promotes advance care planning for nurses and other health professionals

PITTSBURGH, PA, USA, October 15, 2018 / — October 15, 2018

Nurses Nationwide Are Leading by Example in a National Initiative Promoting Advance Care Planning – #ISaidWhatIWant

PITTSBURGH, PA – Nursing specialty organizations representing more than 700,000 nurses and other healthcare professionals have joined together to promote advance care planning. The initiative, led by the Hospice and Palliative Nurses Association (HPNA), encourages all nurses to lead by example by establishing their own advance care plan.

Advance care planning (ACP) is a process for patients and their families to discuss their wishes and goals of care for treatment and end-of-life care, clarify related values and goals, and state preferences through written documents and medical orders (Institute of Medicine). This process can start at any time and be revisited periodically but becomes more focused as health status changes. In situations where a patient’s decision-making capacity is limited, healthcare providers turn to family members to make decisions. When there have been no ACP conversations between the patient and family, family members are left to make decisions regarding life-sustaining treatment without input from the patient or with little knowledge of the patient’s wishes.

The ACP initiative, tagged “#ISaidWhatIWant,” was developed in response to the work done at the 2017 Palliative Nursing Summit hosted by HPNA. The purpose of the Summit was to bring nurses together from various nursing specialties to develop a collaborative nursing agenda regarding advance care planning, pain and symptom management, and transitions/coordination of care. Following the summit, participating organizations formed work teams to develop specific programs that will ultimately seek to influence public health by engaging nurses in targeted initiatives to enhance the care and outcomes for patients and their families.

The Summit final report states that nurses should take a lead role in providing more community education and training related to ACP. Nurses serve as resources to other healthcare providers to educate and fulfill the responsibility to advocate for providing care that is aligned with patients’ values. While all members of the interdisciplinary team provide patient care and engage in treatment discussions, due to the amount of time and ongoing conversations that nurses routinely have with patients, nurses are in a unique position to champion ACP.

#ISaidWhatIWant starts with nurses. “What better way for nurses to demonstrate the value of advance care planning than to lead by example? That is why we are encouraging all nurses to say what they want and establish their own advance care plan – and to discuss their plan with their families and loved ones,” said Sally Welsh, CEO of the Hospice and Palliative Nurses Association. Nurses are uniquely positioned – and have the expertise – to facilitate meaningful conversations with patients and families about present and future healthcare, and how those interventions align with patient values, beliefs, and goals. These discussions give the patient and family an opportunity to say the things that matter to them, including expressions of hope and meaning in life.

“We want to help nurses and the public realize the true value of advance care planning and advance directives,” Welsh continued. “Having your wishes known and sharing your wishes with your family can be a great gift to family members if they ever have to make difficult healthcare decisions on your behalf.”

There are many online resources available to assist with ACP, such as The Conversation Project, an initiative of the Institute for Healthcare Improvement. For more information on the campaign and a list of available resources, visit

For further information, see HPNA’s Position Statement on Advance Care Planning available at

Organizations Participating in the Palliative Nursing Summit

Academy of Medical-Surgical Nurses (AMSN)
Academy of Neonatal Nursing (ANN)
American Academy of Ambulatory Care Nursing (AAACN)
American Association of Critical Care Nurses (AACN)
American Association of Neuroscience Nurses (AANN)
American Association of Nurse Practitioners (AANP)
American Holistic Nurses Association (AHNA)
American Nephrology Nurses Association (ANNA)
American Nurses Association (ANA)
American Psychiatric Nurses Association (APNA)
American Society for Pain Management Nursing (ASPMN)
Association for Radiologic and Imaging Nursing (ARIN)
Association of Pediatric Hematology/Oncology Nurses (APHON)
Association of Rehabilitation Nurses (ARN)
Emergency Nurses Association (ENA)
Gerontological Advanced Practice Nurses Association (GAPNA)
Home Healthcare Nurses Association (HHNA) an affiliate of National Association for Homecare and Hospice (NAHC)
Hospice and Palliative Nurses Association (HPNA)
Infusion Nurses Society (INS)
International Transplant Nurses Society (ITNS)
National Black Nurses Association (NBNA)
National Association of Clinical Nurse Specialists (NACNS)
National Association of Directors of Nursing Administration (NADONA)
National Association of Pediatric Nurse Practitioners (NAPNAP)
Nurses Organization of Veterans Affairs (NOVA)
Oncology Nursing Society (ONS)
Wound Ostomy and Continence Nurses Society (WOCN)

About the Hospice and Palliative Nurses Association

The Hospice and Palliative Nurses Association was established in 1986 and is the national professional organization that represents the specialty of palliative nursing, which includes hospice and palliative nurses, and has over 11,000 members and 50 chapters nationally. The association works together with the Hospice and Palliative Credentialing Center and the Hospice and Palliative Nurses Foundation to promote our mission, to advance expert care in serious illness, and our vision, to transform the care and culture of serious illness. Visit to learn more.


Harry Crytzer
Hospice and Palliative Nurses Association
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Source: EIN Presswire

United States Credit Czar: CNBC 'Make It' Headline Misguided and Unwise for Credit Consuming Population

FICO/credit scores directly determine the interest rate a consumer will pay for credit products. The table reveals the current rates based on score ranges

FICO/credit scores directly determine the interest rate a consumer will pay for credit products. The table reveals the current rates based on score ranges

SubscriberWise founder and the most successful credit scoring achiever in the worldwide history of banking and finance offers personal and professional insight

Pursuing the standard of excellence – understanding the granular details of consumer credit, and credit scoring in particular, to fully maximize a credit score – well… that’s never a ‘waste of time’.”

— USA Credit Czar, SubscriberWise founder, and FICO prof David E. Howe

NEW YORK, NY, UNITED STATES OF AMERICA, October 15, 2018 / — SubscriberWise, the nation’s largest issuing CRA for the communications industry and the leading protector of children victimized by identity fraud, announced today the additional and insightful advice regarding what has been labeled a ‘waste of time’ as it relates to the pursuit of credit scores above the minimum scoring thresholds for which consumers typically obtain the most favorable rates for various types of credit products including mortgage, HELOC, and auto.

Specifically, the issue of concern from the perspective of FICO professor David Howe involves the misguided allegation that ‘going higher’ than the minimum threshold of super-prime credit (FICO 750 according to one expert cited in the CNBC story) is a ‘waste of time’:

The minimum thresholds for the most favorable rates based on credit scores – ‘excellent range’ as referenced in the story – are FICO 750 and 760. Independent of the CNBC article and according to recent Informa Research Services, accurate as of October 12, 2018, the specific minimum thresholds for the most favorable rates by score range are as follows:

· 30-year mortgage: 760 – 850

· 15-year home equity loan: 740 – 850

· 48-month auto loan: 720 – 850

“I would like to have a conversation with Mr. Yoni Blumberg ( and share my decades-long experience and perspectives on credit and credit scoring,” stated David Howe, SubscriberWise founder and the world’s only credit scoring consumer to obtain simultaneous perfect FICO and Vantage scores across every national credit bureau (TransUnion, Equifax, and Experian). “I have made several attempts to talk with Mr. Blumberg and, most recently, he did thank me for information that I shared with him.

“In general, I recognize that Mr. Blumberg is publishing accurate and helpful information for consumers but he does occasionally miss-the-mark, at least from my personal and professional perspective (See related story: FICO Czar Howe Challenges ‘Credit Experts’ After Alleging CNBC’s Yoni Blumberg Misreports the Myth Correctly Dispelled by FICO’s Ethan Dornhelm —

YouTube: Listen to Credit Czar David Howe offer the best advice in terms of the importance of always pursuing the maximum credit score possible to ensure the most favorable financial circumstances as one navigates through life’s financial events: .

“And the article from last week titled ‘Once you hit this credit score, going higher is a 'waste of time,' expert says’ is an example where I argue that the general theme of the story is not ideal for the credit consuming population,” Howe continued. “In other words, pursuing the standard of excellence – understanding the granular details of consumer credit, and credit scoring in particular, to fully maximize a credit score – well… that’s never a ‘waste of time’. That’s where I believe Mr. Blumberg — including the 'experts' quoted — definitely missed the mark.

Related: FICO 850 Combination Finally Unlocked: Public Service Presentation Links Scoring Factors with Perfection while Encouraging Consumer Perseverance and Success —

“Does that mean that consumers should obsesses over their credit scores,” Howe asked rhetorically? “Of course, it does not. But having a deep understanding of credit and the credit scoring system, also known as the ‘Fair Isaac Leaves’ (, including the impacts of financial choices, life-events, and circumstances on individual credit reports and scores should be far more than a passing interest.

“And frankly, I argue that the reason the ‘self-proclaimed’ experts constantly mimic the same advice like that proffered in this latest CNBC story is simply because these same experts themselves do not know and understand the intricacies and complexities of the credit scoring algorithms — including specifically the methodology indicated to fully maximize the rank-order technology. In other words, there really is more to ‘paying bills on time’ and ‘maintaining favorable utilization’, at least in terms of fully maximizing a FICO/credit score.

“To continue that point, I do, in fact, know the intricacies that are required to maximize a FICO scorecard capable of delivering a perfect FICO 850 score,” confirmed Howe. “I also know how to maintain perfect FICO scores indefinitely based on the latest FICO Score 9 and FICO Score 8 models: . Today, perfect FICO scores are no longer as elusive — or even unattainable — as in the past and that’s in large part a marketing decision that was made by the Fair Isaac Corporation…there's absolutely no doubt in my mind.

FACT: There are FICO scores in use today that will never reach a maximum 850 score. Just ask the FHA regarding the model it uses for underwriting: .

Related: SubscriberWise Founder Howe Proves FICO Score Benefit from Carrying Balances while Ending Misinformation Published by Bloomberg, NBC, and LA Times —

“Indeed, from my perspective, that’s the real reason these ‘experts’ go out of their way and tell everyone else to accept a level of mediocrity when it comes to something as critical as credit scoring: . That’s the reason they essentially ‘sell everyone short’ because they haven’t bothered to learn that ‘practice makes perfect’. The experts, they hate to be beat at their own game so they set the bar lower and ask everyone else to accept their same standards. At least that’s my conclusion every time I revisit the blog link above and read the mimicked advice constantly trumpeted.

“And it all begs the question: do these same 'experts' tell their children to only strive for a 90 percent on their class exams? After all, isn't a 90 percent an 'A'?

“Based on the evidence, it certainly appears at least some of the 'experts' may well consider an 'A+' — a 100 percent worthy of pursuit in every endeavor — a mere 'waste of time' for their children's young and ambitious developing brains:

“What a shame if that's really the standard and expectation today…

“Just think about it,” Howe added. “Credit and credit scores control so much of our financial lives and beyond today. Why would we not all want to understand every detail of a technology that is so directly and indirectly part of our financial and everyday lives; a technology that is integral in underwriting, marketing, insurance rates (in many states), apartment rentals, utility deposits, and even whether an individual can obtain a rental car from the major agencies because credit scores are often part of the transaction if a bank credit card is not held by the renting consumer.

“Again, though, just to be clear and to forcefully reiterate, I’m not suggesting individuals obsess in an unhealthy way over their personal credit and credit scores,” Howe insisted. “But perhaps it’s time for credit scores to at least reach the same hype and attention that our society places on the more titillating and far less impactful facets of today’s society. For example, the NFL and the NBA to name but a few.

Related: Credit Karma All-time Highest Performer and FICO Wonder Man David Howe Goes Beyond the Credit Experts and Shares Unique Insight —

“By the way, I mention these as two specific examples because in my self-affirmed role as US Credit Czar – a bequest to my fellow citizens in the USA and around the world – when I travel around the nation I often ask servers in restaurants where I dine — often young adults who would undoubtedly benefit from much more substantial knowledge of credit, banking, and finances — if they can define the acronym ‘FICO’ (Fair Isaac Corporation – And for the record, whenever I ask the question I first place a $100.00 offer on the table for those who are successful with the trivia presented. And I do this because I want to know that I’m going to have a serious and thoughtful response…exactly what I get each and every time with the prospect of $100.00 for the right answer.

“I also start by asking the person to define a well-known acronym like ‘NFL’, for which 100 percent have correctly answered as ‘National Football League’. It’s true,” Howe confirmed. “In the past 7 or 8 years I’ve been asking the question – to literally hundreds of servers across the nation – and to date only 3 people have answered correctly: The Fair Isaac Corporation.

“Now back to the important point,” continued Howe. “Rather than obsessing over credit and credit scores, the message I want to convey is to nevertheless pursue the standard of excellence no matter the endeavor. And yes, that includes the critically important subject of credit and credit scoring,” Howe stressed. “It's time to raise the bar and set the highest possible standard when it comes to knowledge, insight, and education.

“So, whether it’s credit or any other subject of significance or importance, it really is about education, empowerment, and information; it’s not about obsession. It's called mastery and credit, I argue, is one of those areas of life where the deepest knowledge and expertise pays profound dividends to 'those in the know'. In reality, what we see and hear constantly today is nothing more than a distraction. The term ‘obsession’ has become a dodge for the so called ‘experts’ who don’t want to take the time and energy to learn what it takes to achieve the highest level of success for their area of ‘expertise’.

“Remember, knowledge is power,” Howe affirmed. “And no one should minimize or deny this fact. Credit knowledge, including the increased likelihood of a stronger credit standing that flows from education and information, translates into many more benefits from increased monthly cash-flow and long-term financial stability to employment opportunities that may otherwise be denied from adverse information contained on consumer credit reports.

“But it’s certainly also true that when it comes to credit and finances in particular, that life events and circumstances play a critical role in a consumer’s personal situation. In other words, no one should be naïve or pretend that an individual who is struggling with any number of financial challenges, they may well be dealing with extremely adverse credit that translates into continued hardship and financial difficulties. That’s an obvious fact. And that’s unfortunate from my perspective.

“Training, knowledge, and education — along with necessary regulations to mitigate against injustices like ongoing institutional racism and other legal discrimination tactics — are critical to lift those struggling to a better place; credit and scoring are included here,” said Howe.

Related: FICO World Champion and USA Credit Magnate David Howe Returns to Pulse Nightclub while Lobbying President Trump to Expand ECOA in Honor of Victims —

“Sadly — challenge, injustice, hardship — these are the realities for too many today. Therefore, we should all endeavor for greater fairness and equity so that everyone has an equal opportunity to live, achieve, thrive, and succeed. Actually, we should all demand these standards of justice relentlessly.

Related: FICO First: Perfect FICO 850 Scores Simultaneously Generated; SubscriberWise Founder, Credit Professional, and National Authority on Child Identity Theft Avails Himself to U.S. Congresswoman Maxine Waters and the House Financial Service Committee —

“Of course, it’s important to never lose sight of the good news that credit can always be redeemed no matter the life event or circumstance. Understanding that credit can be redeemed — while also never living in fear over losing one's credit — is a critical component for anyone who may be in a difficult situation.

“And I want everyone in the world to know that I’m certainly eager to share my insight, experience, and expertise to all those who may be in need or simply interested in learning and hearing more.

“That includes every damn bit of it of what I know today and what I’ll learn tomorrow,” Howe concluded. “Praise the facts. Praise the truth. Praise the Freedom of the Press. And power to the people, forever!”

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Source: EIN Presswire

Brighter Smiles as Medicare On Video Helps Patients Find The Best Dental Plans

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Healthy teeth make life worth living. From eating on that salad to enjoying your favorite hot or cold drinks, unhealthy teeth keep spoiling the fun.

My daughter helped me find Keith online. I am not one that will usually leave a review but my experience with Keith has been a great one. He has helped me through the worries, answered my questions.”

— Joanne

TREASURE ISLAND, FL, UNITED STATES, October 15, 2018 / — At Medicare on Video, they are all about good oral hygiene. Your best dentist says flossing and brushing twice daily is worth it and doesn’t take up as much time as it may seem. Making this habitual has been a challenge for some due to the irregularity of meals among other lifestyle choices. Even with these religious cleaning rituals on a daily basis, it’s still necessary to make a professional cleaning appointment with your dental office every six months. With Medicare not covering all dental costs, more users are choosing to go with supplementary cover to enjoy best dental plans. Here is why; preventative dental care with regular checks at the dental office is the way to go.

The shift to preventative dental care helps everyone.

The best dental care providers have since the twenty-first century shifted to preventative care as opposed to restorative dentistry. More clients now walk into a dental office with a confident smile for checkups and early detection. It is the best thing that could happen to a dental practice and certainly a more pleasant experience for the patients too. Surely no one wants to have the dentist take the drill to their mouth. Tooth removals are not a dentist’s favorite procedure either.

Preventative dental care with the good dental insurance saves money!

With a good dental insurance policy to support patients, preventative care is cheaper than expensive dental restorative pieces. Patients and their families can now afford a smile on their way out. It’s no wonder the oral health improvement has been so rampant in the recent times. Just the same, a good number of adults continue to go through teeth degradation without knowledge of the benefits of preventative medicine.

With more healthcare insurance providers now providing for two cleanings per year, its time patients learned to utilize these opportunities to maintain a superb smile. In addition to these, market leaders like Medicare on Video have begun to offer free subscription medicine card services. This plan will cover for those with little to no insurance cover on medication helping them save big.

Good dental care takes commitment. Get trusted Medicare advisors.

Brushing and flossing might be part of our daily routines but for many people, that is all they are; routines. The importance of it does not really occur until a cavity hits. Anyone who has ever spent a night in agony terrorized by an aching tooth never forgets the ordeal. But other than the threat of cavities, what other pull factors are there towards maintaining good oral hygiene? For some, these don’t exist and they can hardly stick to the daily schedule. Making a new year’s resolution to visit the dental office more regularly and actually making it there are two mutually exclusive events. Good dental hygiene and care should be promoted for the love of a good life and not fear of tooth loss. Diligence in cleaning and checkups will unlock a brighter future with good overall health and a beautiful smile to show off to the world.

A Good dental insurance plan: Investment for a Happier Life.

Come summer or winter, the first greeting we give to the world is mostly a warm smile. Especially when we want things to go our way, a smile can prove to be an invaluable asset when meeting people for business and pleasure. First impressions last, a proper smile could mean the difference between closing the deal of a lifetime and returning home frustrated. Smiles sell confidence and buy goodwill from the world around us. As a business person, it makes sense to invest in a good one. And what better way to achieve a perfect smile than with a subscription to the best dental plans?
Do I need dental cleaning for healthy teeth?

Medicare on Video recommends that patients all over book an appointment to have their teeth cleaned at least once every six months. Professional teeth cleaning unlike daily cleaning routines are able to reach all parts of the mouth and tooth to remove tough plaque. It presents a great opportunity for the dentist to patient’s mouth, face and neck for early diagnosis of diseases including cancers. It is not uncommon for degradation of oral health to go hand in hand with other serious health issues.

When is the best time to schedule a dentist appointment?

Most people will not feel the need to see a dentist until they are sure something is wrong with their teeth. This is the wrong approach. The best time to schedule an appointment with your family dentist is right now if you haven’t done so already. Regardless of your current state of oral health, you need to see the dentist more often. If it’s any motivation, it could actually save money visiting sooner. Keeping cavities at bay is what every dentist wishes to do all day every day.

The bottom-line: Healthy teeth make life worth living. From eating on that salad to enjoying your favorite hot or cold drinks, unhealthy teeth keep spoiling the fun. When one has painful teeth, it’s critical that they see the best teeth doctor around about it. Even when pain magically, disappears, it always finds its way back. Even so, it’s good to be cautious about the people who you trust with your smile. Trust no other than qualified and certified dentists with an impeccable performance record with previous patients.

Medicare on Video will show you everything to make the process simple as 1,2,3. Get your dental insurance quote by filling out the form below. Watch the video to learn what your dental insurance options are.

Keith Armbrecht
Medicare on Video
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Source: EIN Presswire