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A hospital is an important place that takes care of the sick. It caters people who are in need of proper attention and medical treatment. Since it houses those who are bedridden, paralyzed, and injured as well, it is just very essential for nurses to know how to take care of them properly. Because if not, they will develop some severe conditions that are pretty much difficult to deal with. One of these things that may happen to them is the development of bed sores in hospital. Since these mentioned people are constantly lying or sitting down, the pressure and friction in wheelchairs and mattresses can shed up the skin. Since it does not only affect the epidermis, it can also develop down to the bone. When bed sores occur, it just means that the nurses and the whole management of the hospital do not give the needed requirements of the patient such as constant turning to relieve pressure.

Tags: Bed, Bed Sores

As efforts continue to impose sanctions on Iran ([1], [2]), I thought it would be helpful to discuss the possible implications of these developments for oil-consuming countries.

The most likely outcome of an embargo on oil purchased from Iran is that the countries participating in the embargo buy less oil from Iran while other countries not participating in the embargo by more oil from Iran ([1], [2]). While this would produce some dislocations, if total world oil production doesn’t change, it would have little effect on either Iran or oil-consuming countries, and would basically be a symbolic gesture.

If instead the embargo is successful in reducing the total amount of oil sold by Iran, then the shortfall for global consumers would have to be met by some combination of increased production elsewhere and oil price increases sufficient to bring down global petroleum demand.

As for the first possibility, there appears to be only a limited amount of excess oil-producing capacity at the moment, and certainly far short of the 4.3 million barrels per day that Iran produced in the first three quarters of 2011.

And for the second possibility, it is useful to draw a comparison with previous episodes in which geopolitical events led to production shortfalls from key producing areas.

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Tags: Oil, Oil Embargo

Did you know the average New Year’s resolution only lasts 6 days? Many resolutions don’t even last that long but there are many resolutions truly worth keeping this new year. One of those resolutions to keep is “living within a budget” and using your budget to plan your future.

I say “living” because using a budget really is a habit you choose. It’s almost like you are determining your culture because you determine where your money goes and how it’s spent when you’re on a budget. That isn’t how things happen for 90% of the people you know (it may be why many of them are broke).

Creating a budget you can live by can be done with a pencil and paper if you want. But if you’d like t

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I have recently seen a few second mortgages “reaffirmed” in bankruptcy by some of my fellow bankruptcy attorneys. However, in Michigan, as I’ve described here, there is no reason to file what is called a reaffirmation agreement for a mortgage debt when you file a Chapter 7 bankruptcy. So long as you are current on your mortgage payments, you will likely have no issue with retaining your home (although there is the possibility that, if it is an especially “luxurious” home, the Bankruptcy Trustee appointed by the court to your case may see retention of the home as an issue of “good-faith” in your bankruptcy filing).

A reaffirmation agreement, in a nutshell, is an agreement signed as part of a Chapter 7 bankruptcy that must be approved by a judge to be valid, that in essence continues your legal liability for the reaffirmed debt even after the bankruptcy would have discharged it. In Michigan,

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Tags: Bankruptcy, File Bankruptcy

Q: My daughter and her ex-boyfriend got a loan, it was supposed to be used for her college but instead it was used for things he needed to fix up his home. They were going to get married, but as soon as the money was spent, he kicked her out. She got the loan and he co-signed for it. Then he got another girlfriend and he said he wasn’t paying another dime.

She is struggling to pay for it and he is going on with his life. What can she do to make him pay his share? What is his obligation? Would it be in her best interest to let it go delinquent because her credit is already ruined because of this loan?

He changed his phone numbers so they can’t call him; they call her or her parents all the time.

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