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How Capital One is Helping Their Customer in Global Pandemic



The on-going pandemic has sent the monetary circumstance in the US into a whirl. With most clients stressed over how to clear bills and significant installments, Capital One has immediately dispatched an alleviation program for its clients.

Various card guarantors and banks have declared that their clients can benefit of charge concealment and some level of help with installment on the off chance that they contact Coronavirus or face any monetary issue because of the pandemic.

Did You Know? Notwithstanding Capital One, different banks, for example, American Express, Credit One, Chase, and so on have additionally reported comparable projects.

By what means Can Capital One Help You in Corona Times

On the off chance that you are stressed over completing your bills on schedule, being a Capital One client can be all the assist you with requiring this pandemic! mail offer has dispatched a page committed exclusively to giving reports on Coronavirus. It likewise incorporates a part for “Regularly Asked Questions” where you can share your inquiries, remarks, or concerns.

The page is ceaselessly refreshed with current travel programs, rewards, cashback offers, and administrations that the bank is offering to its clients trying to give some level of simplicity during this difficult stretch.

Notwithstanding that, the bank likewise urges its clients to connect with delegates by calling at the complementary number that is accessible day in and day out or using the portable application all things considered.

Indeed, the representative of the bank affirmed that the specialists comprehend that the clients may be confronting monetary difficulties in Corona times and anticipating some help. He further insisted that the bank is focused on being responsive and supportive towards the necessities of the clients. 

Here’s How You Can Get in Touch with The Bank

There are various approaches to connect with the agents at the bank. Most importantly, you can call them straightforwardly at 1-800-227-4825. Clients outside the US should contact by means of the number 1-804-934-2001.

On the off chance that you need to select internet banking, you need to get in touch with them at 1-866-750-0873.

Other significant numbers are:

  • 1-866-750-0873 for assurance against misrepresentation.
  • 1-804-934-2001 for revealing a taken card.

You can likewise leave an email or sent in a composed letter however the bank doesn’t urge its clients to do as such since it can cause delays. On the off chance that you are reaching by means of telephone, ensure you have your Mastercard close by and recollect the response to all security inquiries to make the cycle quicker.

The agents would request that you expand on the monetary pressure that you are confronting so a reasonable program could be offered to you. Some qualified explanations behind reaching the bank are decreased pay, diminished working hours, loss of the work, or whatever other explanation that makes you unfit to convey installments.

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Addiction is Going to be the Second Pandemic




In a recent interview, Nick Conn of Help4Addiction voiced his thoughts on the massive leap in addiction advice service use in the UK.

Nick Conn has been clean for twelve years. As a former police officer, he was under constant pressure to perform. With long hours and the constant threat of danger, he eventually wound up addicted to cocaine. 12 years ago, he made a choice: get off drugs, get out the job, and make a radical change to his life by going through the rehab process.

Now an addict in recovery and 12 years clean, Nick has dedicated his life to helping others to do the same. Conn sits at the head of Help4Addiction, which is a nationwide addiction advisory and paid private rehab selection service. They offer help to both private and NHS patients that seek to quit using drink or drugs… and Nick shoulders a large part of the burden on his own.

Family Man and Carer

Recently having fathered his second child, Nick is now in a position where he can look back on his life and be a little proud of himself. He speaks to dozens of addicts every day, not just through his site but through his own private Instagram account – @dadinrecovery. Even as he was giving a recent Telegraph interview, Conn was private messaging with a 41-year-old father of two, in a similar position to himself. This father was a small business owner that had been closed during the pandemic. The resulting stress had seen the man turn to ketamine… an addiction that will only ever spiral downwards.

Nevertheless, and despite the dozens of messages waiting for him on IG each day, Nick tries to help every single one of them. Some of them don’t really want the help, some are just inquiring, and some people approach him to see how they can help a spouse or loved one. Whatever they reach out to him for, Nick is the kind of guy that will always do them a good turn, if he can.

In recent weeks, Nick was contacted by a 39-year-old man who had been laid off. His wife had called him a loser for drinking all day and not supporting his family. When things escalated, his wife had turned him out, effectively making him homeless with nowhere to turn. Within a 48-hour period, Nick had found him a two-year residential rehab stint by way of his connections in the industry… it’s not what you know, but who!

Free Help for Addicts

Nick’s organisation can help those in private healthcare find the right rehab clinic for them, or it can offer advice and limited support to those who are waiting to go through rehab on the NHS. However, Nick Conn knows that not all of us can afford to pay, or to wait. To this end, he offers a series of free web talks with industry professionals over on YouTube. He also runs a podcast which you can get to over on Spotify.

If you are in recovery from addiction, you can engage the HALT technique to manage those triggers. Think:

H – are you hungry? Eat something and see if you still feel like turning to drugs or alcohol.

A – are you angry? Anger triggers the same hormones to release as those that cause us to use. Are you angry? Taking a brisk walk in the cool air could solve your urge to use drugs.

L – are you lonely? Some of us go back to using because it feels nostalgic. It is something you did when you were younger, fitter, and had more friends.

T – are you tired? By far the biggest trigger of all is tiredness. Even an hour less sleep than normal can leave you feeling grumpy. Grumpiness escalates into anger and so on.

Use the HALT trick to modify your behaviour and self-manage your addiction recovery, to prevent a relapse.

For everything else? Reach out to Help4Addiction and start getting the support you need, today.

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How to Become a Medical Biller & Coder




Medical Biller

One of the fastest-growing industries for job-seekers is healthcare. You can still work in the thriving healthcare industry even if you’ve no interest in patients’ care. That can be either in the billing or coding.  The billing and coding is a highly coveted function in the healthcare industry.

 Careers in the healthcare occupations continue to expand as the healthcare sector continues to grow. The U.S Bureau report on labor shows that the demand for secretaries like billing and coding specialists is on a continuous rise, with a prospect of 22% between the years 2016-2026.

This article is supposed to give you guidelines and answer questions on the medical billing and coding career.

Medical billing and coding

The billing and coding professionals help other healthcare industry professionals obtain records and receive payments for the services rendered. They assign codes for every medical procedure and diagnosis. The codes are then added to the patients’ health records, and the information is forwarded to the insurance companies for claims processing.

The specialists work in all healthcare facilities, from medical facilities to rehabilitation centers; health offices to medical departments.

All this happens in an office environment. Many of these billing and coding officers work on a full-time basis. Part-time opportunities are also available depending on the employer. And the dress code depends on the setting and the employer’s dress code. 

You may be required to wear the same scrubs as other medical officers or just the traditional office outfit in some places.

Annual Salary Payment

BLS report on the payment of medical secretaries shows that their median annual wage is $35,000, but that will vary depending on several factors. Mainly, your location and the office you work in are the determinants of how much pay you get. Medical secretaries working in the development and scientific research fields earn the highest median annual salary while those in state governments lead this category.

Being certified as a professional coder from the AAPC could land you a high paying job, especially when paired with additional experience. AAPC salary survey’s report shows that those with more than thirteen years of experience receive an annual salary of up to $54,000.

Medical biller and coder path

Formal training is the first step toward becoming a medical biller or coder. Some people opt for on-the-job experience, which is an option but the best way is to go for specialized education. There are a few education options you can pursue on your path to becoming a biller and coder.

A diploma or a certificate program is the shortest route, and both courses can be completed in less than a year.  You can also pursue a degree program path that will help you qualify for stricter job requirements. For an associate degree, you go for general education classes, including billing/coding and healthcare coursework. These will, on average, take less than two years.

Choosing a medical coding program

Before you begin a coding and billing program, you’ve to take time and evaluate the options at hand to determine the one that fits you. You can try searching online for related jobs to see what qualifications employers are looking for.

Once you’ve chosen your preferred course, you can select campus-based training or pursue online education programs. The online program’s convenience has made it so attractive to many of those who want to pursue medical billing and coding.

The path you take to becoming a medical coder will determine how long you take to complete the course. Again the duration will depend on the program that you choose; degree, diploma, or certificate.  Before you enroll in any of these, you need to do enough research on the job market, see what fits you, and one that will earn you a good annual Salary even as you pursue other life goals.

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The Nurses CARE Act Aims at Easing the Shortage of Nurses in Long-Term Care Facilities




McKnight’s Senior Living, discusses the impact of bipartisan legislation on the floor of the House of Representatives. The legislation aims at improving the pipeline of workers for senior living and care operators, by increasing their hiring flexibility and creating new pathways for long-term employment opportunities in senior living and care. 

The bill is sponsored by Rep. Fred Keller [R-PA-12] and was introduced on 15 January 2021. It is currently within the House of Representatives Ways and Means; and Energy and Commerce committees. Keller and co-sponsor, Rep. Susan Wild [D-PA-7], discussed the bill, known as the Nurses CARE Act in a virtual conference held in conjunction with the Pennsylvania Health Care Association. 

Long-term care facilities, such as nursing homes and assisted living facilities, often suffer from staffing shortages. The bill strives to solve this problem by allowing temporary nurses to keep their certification after the pandemic-related emergency declaration is over. In this way, long-term care facilities will be able to maintain healthy staff levels. 

Last fall, Governor Tom Wolf of Pennsylvania, signed into law a bill that was designed to ease supply shortages in the staffing of long-term care facilities in Pennsylvania, while also creating a permanent pathway for employment in the industry. The bill, Senate Bill 1268, was sponsored by Sen. Judy Ward (R-Hollidaysburg), who chairs the state Senate’s Aging and Youth Committee. She is a former nurse and so understands the challenges of the industry. The bill placed temporary nurses hired during the pandemic, on the state’s Certified Nurse Aide Registry. This made them eligible for long-term employment in long-term care facilities. 

Since then, the bill has resulted in nearly 3,000 Pennsylvanians completing the nurses’ training program, with hundreds being hired by long-term care facilities. The bill has been a life-saver for patients in long-term care facilities. It’s clear that shortages of workers in long-term care facilities can only result in suboptimal healthcare provision. 

The Nurses CARE Act seeks to ward off the threat of critical shortages by giving states the ability to use on-the-job experience in lieu of courses undertaken for certification. 

This is also a worthy reward for the many people who heard the call to assist their communities and offered their services to long-term care facilities, such as adult day care centers. These people have learnt a lot during the greatest pandemic of recent times.

The Nurse CARE Act shows the importance of on-the-job experience, while also asking nurses to undertake the necessary competency courses that every nurse needs. The competency courses can be done online, and are up to the same standards as the courses offered to nurses as part of normal training. It has the benefit of being flexible enough that it will serve as a pathway for future nurses who start off in the industry with on-the-job experience. 

Senate Bill 1268 required temporary nurses to undergo a training course lasting eight hours, as well as getting 80 hours of on-the-job experience at a long-term care facility. Pennsylvania has provided a wonderful model for the rest of the country to follow. A model which will do a lot to ease the shortages in long-term care facilities.

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Researching Public Records




In the United States, public records constitute a huge reservoir of free information, but one that has seemed quite remote and hard to access for most people in the past. Why? Because these billions of records used to be available only at county courthouses and state and federal agencies. That is, in the past, you had to physically hoof it over to your local courthouse and search in person for the records you needed, whether they were real estate records, litigation records, corporate records, or whatever. What a headache SearchUSAPeople.

The Internet has changed all that. Now you can sit at your office or home computer and obtain access to public records stored anywhere – at just about any courthouse or agency — in the country. Now, I am not maintaining that all public records are presently available online. But a great many are, and those that aren’t can often be accessed with a phone call to the Recorder’s Office or County Clerk.

However before you get too excited take a look at the specific sorts of information we’re talking about.

Below are listed some of the types of government records you have a right to view free of charge:

At the State level…

-Bankruptcy Records
-Federal Tax Liens
-Criminal Records
-Incarceration Records
-Fictitious or Assumed Names
-Limited Liability Company Records
-Limited Partnership Records
-Trademark, Trade Name
-State Tax Liens
-Uniform Commercial Code Filings
-Workers’ Compensation Records
-Vessel Records
-Sales Tax Registrations
-Vehicle & Ownership Records
-Death Records
-Sexual Offender Records
-Marriage Records
-Divorce Records
-Birth Records
-Driver Records
-State Investigated Accident Reports
-Some Types of Occupational Licenses

Public Records Available at the County Level…

-Real Estate and Tax Assessor records
-County Court Records (both civil and criminal)
-Tax Liens (also available at State level)
-Uniform Commercial Code records (also available at State level)
-Voter Registrations (accessibility varies)
-Vital Records (also available at State level)

Available at the Federal Level…

-EDGAR Corporate Filings
-Federal Court Records
-Bankruptcy Records
-Military Records

What’s more a vast amount of demographic/economic/regulatory data are available through various Federal agency websites

These lists are not exhaustive but merely hint at the quantity and types of information you can access for free online. So why would you want to? A few good reasons come to mind, such as: research pertaining to investments; trademarks/patents research; background checks on potential business associates; real estate investment due diligence; determining a boyfriend’s or girlfriend’s true marital status; people searching; determining a potential partner’s financial viability; determining whether a professional person’s license is in good standing; finding out if a supplier has been sued; and many more.

Basics of Public Records

It’s very important to realize there’s a difference between public records and publicly-available information. The term “public records” pertains mainly to records maintained by government agencies that are freely available to the public, like real estate records and bankruptcy records. On the other hand your phone book contains “publicly-available” information. Generally, this is information people have chosen to allow to be publicly-accessed, even though they don’t have to. If you want your address and phone number to remain private, you can refuse to let it be published in a phone book. But with public record info, you really don’t have a choice – the government makes it public, period.

Similarly, notice that some information is always private, like medical records and credit information. You can’t go onto a government website and find out if somebody has certain medical or psychiatric problems, and you can’t get a copy of their credit report without their written consent. To do so violates the Fair Credit Reporting Act, which Uncle Sam, by the way, takes very seriously. Even if you find an online information broker who promises to provide you with somebody’s private information, you’re wise to pass. Remember how much trouble Patricia Dunn, the chairperson of Hewlett-Packard, got herself into a few years ago by hiring a hotshot private eye to look into boardroom leaks, which involved investigating the personal lives of HP’s board members? You don’t need that kind of trouble.

So it’s very important to understand the difference between public and private information, and there’s also one other point to be aware of: jurisdictions (counties and states) are not uniform in their regulations regarding access to records. For example, in some states you can access people’s driving records with relative ease (Colorado); in others you can’t (California). Some states regard criminal records as public (Texas); others don’t (Massachusetts). You have to adhere to the regulations of the jurisdiction where you’re accessing the records.

Public Records Access

As said previously, many jurisdictions have not yet computerized their public records – particularly the smaller rural counties. So you can’t access their records online but you can at least get their phone numbers online and give them a call. Oftentimes county clerks will run searches for you while you wait on the phone. One good source of county courthouse phone numbers is Of course you can probably just put the county’s name into Google and get the phone number, too.

Incidentally, there may be a small search fee, and/or a small copying fee, but these will be modest – public record information is free unless you hire a professional document retriever to visit the agency or courthouse to access it for you. If you want to look into this possibility, visit

Following are brief instructions for accessing public records by broad categories:

Business Records Access

Business records are largely concentrated in the Secretary of State’s office. For example you might need to know if a given company is incorporated or the date of incorporation, or who the officers and directors are. Or you might need information on a limited liability company, a partnership, or a trade name, or on sales tax registrations.

For Security Exchange Commission other financial data, and for information pertaining to bankruptcies or patents and copyrights, you need to search at the federal level.

For information pertaining to mortgages, UCC’s, tax liens, and real estate, you need to focus on the county or local (city) level – most often, the county level.

Court Records Access

Criminal records access presents a real challenge in the United States (though it’s easier here than almost anywhere else in the world.)

On the one hand, governments want to give you criminal record information so you can avoid hiring or doing business with criminals; on the other hand, they don’t want to give you criminal record information because then you won’t hire or do business with ex-convicts, who then will be motivated to commit more crimes in order to survive.

So it seems they compromise by making the information hard to get (or more likely, bureaucracy dictates that the process can not be streamlined and made reasonably efficient). So we find there is no single nationwide repository of criminal records in the U.S. except the FBI’s National Crime Information Center, which is available only to police organizations. Criminal record information is maintained on a strictly piecemeal, jurisdictional basis. Thus if your subject resides in Colorado, you can run a statewide criminal records search there, and he/she may come up clean – but in fact be a convicted felon in Indiana. Unless you also check Indiana, you’ll never know this.

As a result, I believe this is a type of public records searching which is best left to the pros. You can’t realistically check every state. And for that matter, most states won’t give you the information anyway, so you’ll have to check at the county level. For criminal records searching I recommend you hire an information professional specializing in this kind of search, such as Intelius or

What about civil litigation? This can get complicated, because cases can fall under county, state, or federal law. And of course municipalities also have courts.

If you’re looking for federal cases – most of which are tried in U.S. District Courts – start with the U.S. Party/Case Index. This is a nationwide index for U.S. District, bankruptcy and appellate courts. If, using this index, you determine your subject is involved in federal litigation, you may be able to access docket information online using PACER (provided the litigation is current or recent). Older case documents are maintained by the various Federal courts or transferred to the Federal Records Center.

At the state level, searching online is largely limited to the courts’ docket sheets (case histories). Today, many state courts provide Internet access to their dockets. For detailed information on state-by-state availability, visit or see Public Records Online, published by Facts on Demand Press.

Marriage/Divorce Records Access:

Our company, Washington Research Associates, Inc., has developed an eBook (it’s a free download) which lists virtually every online source for researching someone’s marital status. You can download it at

Recording Office Record Access

Your county or city recording office has remarkable complete information on nearly every piece of real estate in the county – sale prices, mortgages, liens, property descriptions, improvements, etc – and this is all public info. Recording office data is now widely available on the Internet. A good source is Incidentally, for all the latest news about your county or any county of interest, try visiting

How to Locate U.S. Government Portals

Washington Research Associates has also developed an extremely extensive list of the best governmental portals for accessing public records and other types of publicly-available information.

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How To Identify Damaged Machinery Rigging?




machinery rigging

Construction zones are among the most dangerous places to work. In America, more than 20% of work mishaps occur at construction sites. The fatalities at the worksite not only injure the tradesmen working on a site severely but also cause deaths. Around 5.5% of these accidents result from collapsing of materials and equipment malfunctioning. It is important to identify damaged overhead lifting and machinery rigging to avoid construction zone accidents. This article discusses ways to identify damaged machinery rigging.

Why is it Important?

Rigging equipment and lifting machines in a construction project, go through a lot of wear and tear due to the rough nature of work. If frequently used rigging machines are not inspected regularly and properly, they can lead to a load-break, load-slip and even collapse of heavy overhead lifting machines, which could be extremely disastrous.

Can You Do It Yourself?

OSHA (Occupational Safety and Health Administration) requires all machinery rigging and overhead lifting equipment to be inspected thoroughly before each use. Unfortunately, it is not strictly enforced at construction sites. Also, it requires specialized training to understand and inspect construction equipment, to identify any damages or signs of wear-off.  Most inhouse employees and workers do not have that kind of training or expertise over machines. Due to its sensitive nature, the inspection job cannot be left to amateurs or untrained personnel, because they can cause major issues for the safety of people working on the site and surroundings.

How to Identify?

You can identify major issues in machinery rigging by checking these:

Synthetic Slings

Synthetic slings are durable and strong materials used for fragile and scratch-able loads. Over a certain period of time, it will stretch because of lifting heavy loads, or climatic changes. Sharp corners on the loads can also cause minor-tears, which can result in sling rip. A damaged sling can cause fatalities because it can lead to loads slipping. Before each use, it is crucial to inspect synthetic slings for any damages.

Certain chemicals and too much exposure to sun also contribute to weakening of slings. Grease affects the sling’s grip.

Alloy Chain Slings

Alloy chain slings are popular for heavy-duty lifting, because of their strength. However, they can break and snap because of heavy use and misuse. Although, alloy slings can stretchup to 20% of their total length, but prolonged stretching and overload of weight can bend or elongate the links permanently.  When alloy chain is overloaded at angles greater than 60°, the links are damaged. Damaged links must be replaced immediately. Machinery rigging suppliers sell individual replacement links too.

Wire Rope Corrosion

Wire ropes are galvanized to protect from rust. If not properly maintained, this coating can chip off and fall over time, exposing the interior to rust and corrosion. Wire ropes are easily damaged by friction, frequent overhead lifting, and overload. If a rope is rotated through pulley systems again and again, it decreases the strength of wire rope. The damages in wire rope can be permanent bends in the strands, loosening of the strands creating a “caged” effect around the core, rust or corrosion, broken wires, corrosion, damaged sections, etc.

Sometimes, it is easier to repair or mend a wire rope. E.g. you can easily replace the damaged area. However, due to the sensitivity of the nature of work, you might have to replace the wire completely.

Absence of Tags

During machinery rigging inspections, make sure that the identification tags are attached with machines. They are extremely important as they carry important information about rigging machines. This includes product specifications, load limits, and length of use.

Machinery rigging

Every component of rigging machine which is attached to overhead lifting equipment must be inspected carefully and regularly. Hooks, shackles, eye bolts, turnbuckles, and hoist rings should be checked carefully before they are attached. Which inspecting machinery rigging do keep an eye at rust spots, loose shackles, frozen ring bolts lodged due to overloading, and missing components like latches or pins.


In a construction industry, safety should always have the highest priority. When it comes to heavy overhead lifting, make sure that machinery rigging is in its finest condition and there are no damaged components. Equipment inspection is not only important for the safety of tradesmen working on a site, but it also ensures that a project remains on schedule. Thorough inspection can help extend the life of machinery rigging and overhead lifting machinery.

To be sure that your rigging machine is of premium quality and fault-free, it is recommended to seek services of professionals. At Lawson Inc, we are dedicated to providing premium quality inspection, top-notch rigging machines, and other components. Get in touch with our representative and get a free quote now.

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