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Hospital Infections, are they on the rise? My personal experience in Brooklyn NY

Hospital Infections may be declining with some infections while a large increase is occuring with others.  Just a few months back I was having a conversation with a couple of colleagues.  We were discussing a new infection that is rapidly spreading, called Clostridium difficile aka C-diff.  It is passed through wounds, intravenous lines, and other means.  If you are taking antibiots and you come in contact with it you may be more suseptable since the antibiots kill good and bad bacteria at the same time.  Thanks to colleages, Caryn Isaacs, Patient Advocate, and Ann Hanna, I was made aware of this.  After ending up in the hospital myself this weekend I was horrified to find out that the women sharing the room with me had C-diff.  I immediately asked for a discharge since I could continue the medications at home.  They were allowing this patient to walk the halls.  C-diff is spread by touching things, thus leaving bacteria that others can pick up.  When I quickly left my room to let them know I wanted to be discharged, I had turned to notice a sign outside my shared room that read, caution etc.  point being something in my room was contagious and I was told I was not.  Once you get what you need in the hospital get out as fast as you can.  I actually had nurses and assistants that were not changing their gloves between patients, and who were not sanitizing their hands between glove changes.  It was a breeding ground for germs.  OK some are saying maybe I'm getting paranoid, however if you don't control your own destiny to some degree you may loose control.  I also do not think patients should wait in a doctors office to be seen.  I bring my own pen for sign in and let them know my tel # so they can let me know when to come in from my car, parked in the area.  I also carry hand sanitizer with me.  Think about how many people go to the doctor because they are sick.  I certainly do not need anything I do not already have.  Touch nothing.  When using the rest room remember to turn the water on and off with paper towels.  Use a paper towel to open the door, if hand use is at all necessary.  This is seriously deadly stuff.  I hope this will keep you out of germs way.  I'm still trying to get the real low down on whether people with C-diff can be admitted to nursing homes and or assisted living vacilities.  It seems to me they would need a seperate building or everyone will end up infected.

New reverse mortgage counseling guidlines go into effect

New reverse mortgage counseling guidelines have been added to the tlcreverse mortgage program's blog. To find out more here is the link regarding reverse mortgages and counseling.  These guidelines apply to FHA, HECM, Home Equity Conversion Mortgages.

Reverse mortgages can be used to purchase a property?

Reverse mortgages have traditionally been used by people 62 and over to access cash from the equity they may have in their primary residence.  A reverse mortgage for purchase usually works best when a senior is looking to downsize.  When using a reverse mortgage for purchase, a substantial down payment is required.  No monthly mortgage payments are required.  The benefit of using a reverse mortgage to purchase in NY is there is no mortgage tax.  Although some may feel closing costs on a reverse mortgage are high the benefit of never having to make a monthly mortgage payment is a benefit that probably outweighs the costs in many instances.  Even with a reverse mortgage purchase product you do not have to have income to qualify, and it does not matter what your credit score is.  If you are looking to downsize, a reverse mortgage for purchase, might leave you with additional liquid funds you might not otherwise have had access to. This product is just one of the reverse mortgage programs approved by, FHA, Federal Housing Administration, and is government insured.  Give Annette Fisher a call at 1-800-380-4623 ext. 888 and she will send you a free, no obligation report on reverse mortgages.

Reverse Mortgage Lending Limits

The current lending limit for a reverse mortgage is the lower of $625,500 or the appraised value. This is part of the stimulus package which has been approved through December 31, 2009. There has been some talk as to what the lending limit will be for next year, however no guidelines have been set. For more info you can go to http://www.tlcreverse.com/