Raise your HCAHPS scores with realtime measurement

Business

HCAHPS scores are not only used to inform the public about the relative quality of care in hospitals. In fact, the most important implications for HCAHPS are related to the value based purchasing program introduced by medicare which condition a substantial part of a hospital’s reimbursement payments to the HCAHPs scores. It is estimated that the results of the survey can represent between $300.000 and $2.000.000 dollars a year in revenue differences for any given hospital.

As you can see, this is not a trivial matter for hospital management. The truth is that improving HCAHPS scores is a major priority for healthcare organizations.

In your quest to be considered the “Hospital of Choice” in your community, one of the most effective tools you can put into practice is a realtime patient satisfaction measurement system. This system will help you integrate the tracking of detailed patient satisfaction metrics into your day to day operations. The program will make it easy to detect and correct problems before they can grow and affect your official HCAHPS scores.

To explain why this constant measuring is so important, you need to understand the HCAHPS process. This government backed survey instrument is administered to a small sample of discharged patients who meet the accepted HCAHPS criteria. The minimum acceptable sample size is only 300 patients a year.

Even though most organizations may surpass this sample size, it is obvious that the number of patients surveyed is relatively small compared to the total population of discharges. Just a few discontented patients which happen to fall into the sample can provoke a substantial fall in the overall HCAHPs scores.

However, this data can’t be kept under lock and key. You need to distribute it immediately to frontline managers who have the authority to make real changes to improve patient opinions. This realtime online data in the hands of your staff on the front lines represents a formidable machine for constant improvement. Once a problem is detected, corrected measures can be taken and a few hours later you will be verifying that they have worked.

The idea of truly realtime measurement of patient satisfaction wasn’t possible until very recently. Thanks to an innovative new technology called Gustometria, hospitals can now track patient satisfaction easily and affordably as part of their daily in hospital routines. Patients answer quick surveys by touching the screen of the portable “gustometer” with their fingers right in their rooms. Since the entire survey process usually takes about a minute and a half, the use of the gustometer can be incorporated into the normal day to day interactions with your patients. Once completed the survey is automatically collected by the Gustometria servers, tabulated and ready for analysis.

More importantly Gustometria incorporates a very sophisticated business intelligence system which will allow you to extract the maximum value from your survey data. You will be able to contrast your custom profile questions with the results of each valuation question. Gustometria also allows you to adapt your surveys on the fly an to structure your surveys in a way which assures high participation rates.

This simple and affordable solution can be up and running in less than a week, and will provide you with valuable information that you couldn’t acquire any other way.

Don’t hesitate to pick up the phone and call Gustometria toll free at 1-877-448-7865.

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What You Need to Know about Adoption Lawyers

Legal

The adoption process is a complicated one; ask any couple that has adopted a child, and while this is for the child’s health and safety, a great deal of it surrounds legal matters for which an adoption lawyer is best suited. Without their participation, it would be inconceivable to get an adoption finalized and giving the prospective parents complete rights to the adoptive child.

During an adoption, the adoptive parents are required to lodge a request with the court and in this request they have to provide information including the child’s birth certificate and any other related details. Although it is possible for the new parents to submit these details themselves it is much easier for a lawyer who specializes in adoption to do this as they are more aware of what the court requires.

The finalization doesn’t actually take place until the child has been in their new home for at least a year and at this point it is very helpful to have an a lawyer present at the hearing all new parents must attend. Although adoption agencies are also useful, even they are aware of how complex the legal system is and will probably advise the use of a specialist adoption lawyer.

When people choose to adopt internationally, legal representatives must be present because there are issues to sort through when adopting a child from a foreign country as every country has its own laws and regulations. The language barrier is also present when dealing with this type of adoption and the chance of a couple being able to comprehend legal documents written in a foreign language is almost zero. There is no way around this because an adoption attorney who can translate and understand the documents supplied by a foreign country will be required if the couple is serious about wanting to adopt.

Many would-be parents also forget that there is a matter of the child’s citizenship to arrange and this is something where they will have no choice but to employ the services of a legal representative. The adoption process is a complex area of law which an adoption lawyer can negotiate and help prospective parents achieve their dream. There are so many legal issues involved that it is hardly a subject that can be researched and that is not to mention the possible loopholes that unsuspecting couples can miss completely.

The whole process is so complex that even adoption agencies have their own adoption lawyers so they too do not make stupid mistakes. This would definitely be an asset when using an agency to adopt as it would eliminate the worry of finding a good adoption attorney for prospective parents plus the fact that legal fees are a large portion of the costs when adopting. However, unless the legal matters are addressed and taken care of properly, prospective parents may face problems with their adoption, so they provide peace of mind for the parents.

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Learn Jiu Jitsu – The Smart Way

Business

Whatever it is you’re doing, there will be obstacles along the way. This is true when you’re studying, working, and learning Jiu Jitsu. Before you enroll in any Jiu Jitsu club, make sure that you gather all the important facts about this sport. It helps to know something about the sport you’re trying to learn.

To start with, Jiu Jitsu started in Japan but it was first exposed in Brazil by Royce Gracie. Royce and his brothers popularized this sport although their first intention was to use Jiu Jitsu for self defense. It has undergone modifications and some changes but the philosophy and principles being followed are still the same.

Many students in Jiu Jitsu gave up halfway through their training because they got tired of learning the sport. They were too tired of the practice sessions and they were simply struggling to learn the sport. Here’s good news for you – you don’t have to struggle anymore because there is an easier way of learning Jiu Jitsu. So how can you learn Jiu Jitsu the smart way? Read on and you will find out.

First is to realize what you have already achieved. At this point, you have to ask yourself how much you’ve learned for the past months or years. What are the things you’ve already overcome and developed? What’s hindering you from continuing the Jiu Jitsu training? Answer these questions and your mind will be cleared.

Now that you feel stuck at a certain point of the training, stop telling yourself about it. Try to talk with your instructor about your feelings and your thoughts. Ask questions that need answers because your teacher may be able to help you out.

When you see any opportunity to push through with the training, grab it.

Here’s a good example. Suppose you’re having practice sessions with fellow students. You’ve already practiced a certain technique many times with several opponents but you always get ‘arm-barred’. No matter what you do, you can’t defeat your opponent.

The problem here is that you keep on repeating the same mistakes because what’s gong to happen is already pictured in your mind. You should therefore detach from what’s already happening. Take it off your mind and do it all over again. If you see any opportunity of making an effective move, don’t hesitate to do it. If you still can’t get through, ask your instructor’s opinion.

By asking your instructor about your mistakes, he may be able to give you the details of your execution like the feel and timing of your moves. Listen to what your teacher is saying and try to find other opportunities in order to disrupt the moves of your opponent. This is what’s called as productive training.

You must be able to execute the move the right way. Don’t think negatively. Picture yourself doing the right move and stay calm as you visualize. After doing this, you might be able to carry out the technique successfully.

Whenever you’re practicing, you should always maintain your focus and take the necessary course of your action. It would be best to jot down some notes so that you can review it later on. It’s also best if you have fun during the training. Enjoy yourself in the company of your fellow students. Don’t forget to remind yourself that you’re good at Jiu Jitsu.

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AMD ultraportable Yukon big push will be stepped down from the altar Price

Business

Recently, AMD’s media conference in Beijing, a detailed analysis of its next-generation platform for ultra-thin “Yukon” features. This code-named “Yukon” the ultra-low power platform, be able to assist OEM manufacturers to develop ultra-thin, portable, stylish full-function notebook in order to mainstream prices, a richer multimedia, high-definition video and games and other entertainment features.

AMD CEO has claimed that the Internet is only a low-cost, limited function devices, and Nothing exciting place or are likely to have large-scale revenue, over time, the concept of the Internet will gradually disappear. AMD on the media in Beijing, AMD-house staff are not optimistic about the Internet also reiterated this. AMD hopes to provide users with performance, price, features more in line with the demand for products, which has been the emergence of Yukon.

“Yukon” is aimed primarily at 4000-6000 yuan ultraportable notebook market, the screen size of 11-13 inch ultraportable notebook. At present the market of the popular Internet mainly concentrated in the 4,000 yuan less than other ultra-portable notebook on the many million more than China, so AMD mobile product manager Liao Ning is confidence that: in the ultra-thin full-function notebook in this price range AMD rival NOT!

Developments

It is reported, AMD for ultra-thin and light notebook product planning a complete product line. 2009, AMD will also launch a new generation of ultra-thin and light platform for “Congo”. “Congo” based on the dual-core “Conesus” CPU and the RS780M chipset and SB710. 2010 plans to introduce a code-named “Nile” ultra-thin notebook platform. It appears that the next two years, AMD products are focused on ultra-thin notebook market, the big play the cost-effective.

The source of Yukon

“Yukon” the code from the Canadian Yukon River (Yukon), the platform includes 65-nanometer single-core processor technology of “Huron” (Lake Huron), and RS690E + SB600 embedded chipset motherboard (integrated ATI Mobility Radeon X1250 graphics chip), the overall platform power consumption of less than 25 watts.

In accordance with AMD’s claims, Yukon platform is not specific to the Netbook market, but for full-featured, large-screen thin-and-light notebooks, the main business and entertainment applications, can provide a complete PC experience, and also supports 802.11n and 3G wireless technology .

Yukon platform Sempron processor and has “Athlon Neo” the two, both single-core 65nm process models, the use of specialized Low Profile design, chip package size only 27 27 mm and height are only 2.5 millimeters more than the general processors, a decrease of up to 50%, there is more conducive to the design of thin notebooks.

Neo-processor for high-end market, currently has introduced MV40, frequency to 1.5GHz, using 65nm technology, and use methods BGA package, consumes about 25W. Sempron processor targeted at low-end market, including the 210U, 200U two, respectively GHz 1.1G, 1.0G, as adopted by the 65nm process, BGA packaging, power consumption is about 10W ~ 15W.

Yukon platform RS690 chipset, the chipset can provide HD1250 integrated graphics, high-end users can choose AMD platform developed for Yukon independent HD3410 graphics cards. Yukon will provide low-cost platform for thin and light notebook provides strong overall performance, especially in multimedia performance, all Yukon platform will have high-definition broadcast capabilities and 3D performance must.

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Combating Global Warming: What You Need to Know

Education

Whether from exposure on radio, television, or the internet, most people are familiar with the idea of global warming. Media focus on the issue has sharpened in recent years. There are dissenting ideas about the problem, but those who worry about it do so for a understandable reason. No one likes the idea of a future Earth that is uninhabitable for our descendants, after all.

Fighting against global warming does not have to take a lot of effort or money out of your pocket. There is a good deal – perhaps entirely too much – spotlight placed on the importance of energy efficient appliances and cars. While those efforts are important, they are beyond many people’s financial means but for those individuals, there are more affordable ways.

In order to prevent global warming, simply pay attention to the way your home is run. For example, many people allow their electrical appliances to keep running even when they are not in use so to help the environment, they should be turned off. This is a great way to prevent future problems and save money at the same time.

One of the easiest ways to reduce electricity usage is to ensure that all lights and appliances are turned off when they are not in use. Saving money might well be a side effect of this free and simple way to join the effort. Also try turning down the thermostat and warm yourself by wearing a little more clothing on chilly days. The toxic emissions coming from your home are greatly lowered with just a few degrees.

By getting rid of the old standard light bulbs, and replacing them with energy efficient ones, you can also help. This is another great way to save yourself at least a little bit of money, as well. Many traditional light bulbs have to be replaced frequently, but energy efficient ones last for at least a year or two without needing to be replaced. Buying a multi-pack of these bulbs should not cost more than five dollars.

Even if you are a renter, as opposed to a homeowner, there are still ways that you can work to combat global warming. For instance, if the windows need repair to keep air from getting in, talk to your landlord about repairing them. Ask your landlord about the hot water heater and adding an insulating blanket which can help to save the environment plus your landlord may also be able to save a little bit of money as well.

Buying a new hybrid or energy efficient car is not necessary in order to change your modes of transportation for the better. It could be as simple as asking yourself if you truly need to drive all the times that you do. If you are able to walk, carpool or take public transportation, you are encouraged to do so. Leave the car at home at least three times a week, and you can do your part in fighting global warming.

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Skin Care Report – Summer and Winter regimes for Perfect Skin

Fashion

Whatever the season, be it Summer or Winter, vigilance with our Skin Care regime, has to be ongoing.Treatments may vary, but are always ongoing.It can be the chill of winter or those balmy days by the sea,both of which cause our skin to dry out. This dry skin then goes towards speeding up the ageing process.

If you’re a sun worshipper, it is imperative that you use a highly rated sun block to protect your skin from harmful UV rays. While you are away from the sun, skin care can be just as critical. Using a moisturizer every day will help to stifle the effects of ageing and keep your skin soft and wrinkle free.

With so many choices, deciding on which brand and type of moisturizer you should use in your skin care regime, can prove somewhat overpowering.Don’t rush this process, take time and carry out due diligence into which products best suit your lifestyle, your pocket and your skin care plan.This will involve trying out a number of different products for a short period of time, then setting aside those that don’t prove successful, and keeping the products that do perform best of all.

Once you’ve settled on a product line that suits you, be consistent and consider the need to make some adjustments as the seasons change. If you live in a part of the country that delivers harsh winters, you’ll want to make some adjustments in the winter to accommodate those brutal winter winds. Wind damage can be just as harmful as the sun when it comes to your skin. Be aware of those differences and make the necessary adjustments to your skin care regime.

The subtle differences between your winter and summer treatments should make you feel good about the choices you have made and will certainly make a difference in the health of your skin. Depending on your age now, the effort you put into caring for your skin, can pay huge dividends down the road. Dry skin can be plugged into a formula that always equals wrinkles.

Look after your skin from those early years onwards, and you can be sure that ageing of your skin can be kept to a minimum, meaning less wrinkles.So, as the frenzy builds among your friends, as they search for a solution to the increasing wrinkle formation around their lips and eyes, they will come running to you, as you have already discovered the secret, to ageless beauty.

Taking care of your skin may seem like a lot of hard work,but this is time well spent, you’ll have no regrets.As comparisons are made between how you look alongside your friends, it will become easy to see, for you and for them, the benefits to be had, from those early efforts you made, with your skin care plan.

Nothing shows your age more than you skin, and nothing minimizes the effects of ageing better than a lifelong habit of skin care. Make your choice early and stick with it.

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Cisco 2501 Router IOS Upgrade Procedure Simplified!

Computers

Ok, one of the most common question we get is how do I upgrade the IOS on my Cisco 2500 router? I can refer you to the documentation on Cisco’s site on how to do this, but it seems as though for the new CCNA student that this just does not give you all the information you need to successfully upgrade your IOS. I completely understand this as their instructions are written for someone who is already familiar with Cisco routers and switches and who is probably already a Cisco CCNA. Now I might also suggest to you that it is not imperative that you upgrade the IOS on your Cisco router as soon as you get it. You see, the commands that reside in version 11.x are 95% the same as in 12.x.

The Cisco CCNA exam really focuses on the core commands that have been there for years. So again, there is no need for an immediate upgrade day one when you get your Cisco router from 11.x to 12.x IOS. Take your time and become comfortable with the router and the commands. Otherwise you may mess up the upgrade and sit there cursing at the router as you try to figure out how to get IOS back on the router that you deleted by mistake. But don’t worry; you will be able to recover if you deleted the IOS by mistake too. It is just a little different of a process. Now when you feel you are pretty comfortable with the IOS commands, then perform the Cisco router IOS upgrade. After all, you will need to be able to complete such as exercise to pass the Cisco CCNA exam.

Now in this article, I am going to make an assumption that you have our study CD which has some of these files on it. If you don’t have our CD, you can purchase it or search the web for stuff like the SolarWinds TFTP server. Ok, here we go!

Here are the steps to start….

1) On the CD, follow the link to install the trial version of the SolarWinds TFTP server. You can access this by inserting the CD in your computer, auto-running the CD and you should see the CiscoKits splash screen. On the splash screen you should see a link for “Handy Programs”. Click that link and then follow the link for the install of the SolarWinds TFTP Server.

2) After you install the TFTP server, you will copy the 2500 IOS file that you want to upgrade the router with to the c:tftproot folder if you followed the default install directories for the TFTP server. This file is a .bin(binary) file so you will not be able to open. Many people will tell us that there is a problem with the file as they can’t open it. You are not supposed to be able to open and launch it as it is not an .exe file.

3) Launch the TFTP server.

4) Once in the TFTP server application, go under File, click Configure and click the Start services button. Click Ok. You should see in the bottom of the TFTP server application box that it says service status is “Started” and you should see the IP address(ex. 192.168.1.100) of the TFTP server to the left of that along with the c:tftproot folder as the default folder to the left of that(again, that is where the TFTP server will look for the .bin IOS file). If you do not see all that, you have missed a step somewhere so please go back and verify your steps.

5) This step could go a few different ways. 5a will be the steps if you already have a good version of IOS on the router. 5b will be if you accidentally deleted the IOS from the router. Now in my example here I am going to assume you have some sort of switch or hub that you have the Cisco router and your PC connected into. I will also assume you are using an internal IP address scheme of 192.168.1.x. The address for the router will be 192.168.1.80 and the IP address of the TFTP server will be 192.168.1.100. If you are not using that IP schema, then you will need to modify these instructions accordingly to fit your IP schema.

5a) Boot the unit normally. You should be brought to a normal user mode. In step 7, we will get you into privileged mode.

5b) Boot the unit and if you have no IOS on the flash, it will boot using the boot image from ROM. You will know this as your prompt will look like this: Router(boot)

6) Put a transceiver on the AUI port. Hook an Ethernet patch cable to the transceiver and the other end to the hub or switch your computer is connected to.

7) The next set of commands we are doing to setup an IP address on the Cisco router. We have to have an IP address assigned to the Ethernet interface or we will not be able to communicate via IP with the TFTP server. Do the following commands: En Config t Int E0 Ip address 192.168.1.80 255.255.255.0 No shut Exit Exit Copy tftp flash
8) It will ask you the name of the remote host. Address or name of remote host []? 192.168.1.100 Put the IP address of your TFTP server.

9) Next it will as you the Source file name. Source filename []? c2500-is-l.123.24.bin It is the name of the IOS file you copied over to the c:tftproot folder.

10) Next it will as you the Destination file name. Destination filename [c2500-is-l.123.24.bin]?y Hit y for yes to use the current file name. It may ask you to confirm. Enter y for yes.

11) It will then ask you if you want to erase the current flash file system. Enter y for yes. It may ask you to confirm a second time, if it does, enter y for yes again. Erase flash: before copying? [confirm]y

12) Next is should start the flash erase as seen below and you will see the file copy process as noted by the exclamation points. Erasing device… eeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeeee eeeeeeeeee …erased Erase of flash: complete Loading c2500-is-l.123.24.bin from 192.168.1.100 (via Ethernet0): !!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!!

13) If you start to see a bunch of periods, then that means you have some sort of connectivity issue. Here are the things I suggest you look at: A) Is the link light on the hub or switch for both the PC connection and the Cisco router connection? B) From a command prompt on the PC, can you ping the IP address of the PC? C) From a command prompt on the PC, can you ping the IP address of the Cisco router? D) From hyperterminal on the router, can you ping the IP address of the Cisco router? E) From hyperterminal on the router, can you ping the IP address of the PC? F) Is the service still started on the TFTP server and is the IP address still 192.168.1.100? These things should start to give you an idea of where the problem may be.

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Different Types of Selecting the Correct Portable Wheelchair Ramps

Health

Portable wheelchair ramps have the advantage of normal wheelchair ramps in that the can be taken anywhere and you can gain access to most locations that will not be accessible in other situations. By using your portable wheelchair ramp you can gain access to your SUV, minivans and over doorsteps.

Different manufacturers ramps are designed for different purposes, so when you are searching for a ramp for you take note of what you require your ramp for, the distance and height of the ramp and how much room you have to store the ramp when not in use.

Portable ramps start at around three to five foot long and are very compact in design and roll into a small cylinder, to make them rigid they have side rails that lock the ramp stable for your climb. The portable wheelchair ramps are lightweight but they can only climb up around two steps.

Suit case ramps or single fold ramps are another form of portable ramp they typically take up more space as they normally only fold in half so the longer they are the move space they take up. They form a sturdy lightweight portable ramp and are good for average height and incline

Multi fold portable wheelchair ramps allow you to reach over higher obstacles than most other ramps, typically they fold into 4 pieces but when folded are still longer than the other ramps, multi fold wheelchair ramps are very heavy duty and are heavier than other ramps and will be as long as 12 feet in length.

The final type of portable wheelchair ramp is the adjustable length or telescopic ramp which can reach over 10 feet in length when fully extended. They come with two individual ramps that are placed under each side of the wheelchair and can cover over most obstacles.

Power scooters or motorized wheelchairs will not be able to use the adjustable wheelchair ramps as the six wheelchairs can’t fit on the two individual ramps, but for manual wheelchairs it should not be any issues. Weight capacity of these styles of wheelchairs is much lower than other ramps.

If you are able to measure the height and distance that you require you will be able to call the manufacturer and he can recommend the correct ramp for your needs. You will find that portable wheelchair ramps come in a variety of sizes and lengths to suit most conditions.

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How to Stop Puppies Biting

Pets and Animals

Nipping and biting is one of the biggest behaviour problems that almost all dog owners go through when they get a new puppy. Dogs nip and bite as a form of learning about there surroundings. What taste good, what’s hard, what’s soft, and much more can be learnt through nipping. Nipping is annoying though and all dogs need to learn that it’s not ok to nip people.

Be the Alpha Dog

The first thing you need to do is be the Alpha Dog. Below I have list a summary of the key things you can do to ensure that you are the Alpha Dog.

Always walk through doorways first.

Always eat before your dog.

Respond to any bad behaviour immediately.

Make your dog move if its in your way – don’t walk around it.

Give your dog its own bed; never let it sleep on yours.

Never participate in rough play with your dog as this encourages nipping.

Be consistent and never allow nipping – this means not play fighting with your dog. You shouldn’t really participate in games where you are going head to head with your dog (such as tug of war) as these also encourage nipping.

If your puppy bites you – ignore it.

When you get nipped by your puppy, make a high pitched noise to demonstrate pain. Immediately after stop playing with your dog and give it absolutely no attention for a full 15 minutes. This teaches your puppy that nipping ends the fun.

Make snatching unacceptable.

When your puppy snatches food from your hand, don’t tolerate it. Immediately turn your back on your puppy and don’t give him the food for a full five minutes. After 5 minutes has passed, turn back to your dog and attempt to give him the food again. First make your dog sit and then slowly gift him the food. If he snatches again you’ll need to repeat the process. Eventually your dog will understand that snatching is not ok.

Be Consistent in your Expectations

As with teaching anything things to dogs, consistency is a real key. You must make a conscious decision that biting will not be accepted and then rule it out altogether. Allowing your dog/puppy to bite some times but not others only confuses him.

For more information about dog training, and training dogs not to bite, visit the link listed below.

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The Proper Way to Use a Payday Loan

Finance

I know that I have to tread rather carefully here because a lot of people consider the quick payday loan businesses to be loan sharks and predatory lenders. I can see where they are coming from, but I can also see that there is a real use for this type of service.

Let’s look at two ways to use a quick payday loan: basically there’s the right way and the wrong way to use a payday loan service.

The Right Way To Do It

So what is the right way to use a payday loan? It is when you find that the cost of not paying your bills on time would be greater than the fee for getting the cash early and paying the small fee to the payday loan company for their services.

Here’s an example: let’s say that the timing of certain bills and your paycheck is off. So if you wait until payday you’ll have to pay an overdraft or bounced check fee, as well and 2 or 3 late payments on certain bills that you owe. Maybe these total fees amount to $50 extra that you’ll have to spend.

So to avoid late payments and overdraft or bounced check fees this is a situation where if you could get a quick payday loan you could cover the bills and then pay less than a $50 fee. It might be worth it in this situation because you pay less overall. Of course don’t take a bigger loan than you need, but this is one example of how to get a quick payday loan could be helpful.

The Wrong Way To Do It

People get into trouble with payday loans because they try to use them like credit cards. Payday loans help because you get the cash fast, but you also have to pay it back fast. So if you’re looking to get a new sofa, don’t do it with this type of loan! Get financing from the store if you have to, but don’t use a payday loan.

I really do think that this is where people get in trouble with these loans. They don’t have to get something right away, but they really want it. So instead of waiting until payday they go get a loan, forget about it, and then have to pay all sorts of extra fees. This causes them to pay extra fees and get nailed by the payday loan company.

Payday loans can be a good option in certain situations, but make sure you never take out more than you’re going to get in your paycheck and preferably much less. Don’t use them for extraneous purchases, but mainly to cover bills that would cost you more if you didn’t pay them off right away.

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