Why Some Medicine is OTC and Others Only Available by Prescription


The major difference between over the counter (OTC) and prescription medicine is right there in the language used. OTC drugs are literally available “over the counter” at the drugstore and often even at supermarkets and other retail locations.

This category of drugs includes mild painkillers such as aspirin or ibuprofen, cold medication and allergy relief products, among others.

Other meds are only available by a doctor’s prescription and must be filled by a licensed pharmacist and bought at a drugstore. The pharmacists won’t fill the order unless they have proper authorization from a physician.

Why the difference?

OTC products are generally seen as being safe for most individuals as long as they’re taken according to usage instructions. Most users of OTC drugs are unlikely to be able to abuse them or bring major harm to themselves.

Prescription meds, on the other hand, might be easily abused or addictive. Some could have strong side effects or pose a health risk when taken in combination with other prescribed meds. Others might not be prescribed to individuals with certain medical conditions.

In other words, these drugs can cause more harm than good to certain patients if misused. That’s why it’s important that doctors only prescribe these drugs after diagnosing the patient and reviewing their current medications and medical histories.

Different regulatory environments

Reflecting the difference between the two categories of drugs, OTC drugs are regulated by the Federal Drug Administration (FDA) in the form of drug monographs. These are fairly simple reports on product ingredients, formulations, dosages and labeling information and related issues.

Prescribed medications, on the other hand, are regulated more critically and thoroughly, through the FDA’s New Drug Application process. The FDA obtains much more comprehensive information about the product, including results of animal and human trials, how the drug is manufactured and how it reacts in the body, among other factors.


Can I Sue a Doctor?


When people go to the doctor, they expect to see a trained professional who is going to take care of their medical needs. While the vast majority of doctors are great people, highly trained, and are generous with their time, there are a few bad apples that might deliver poor care. If someone has been a victim of medical malpractice, there are a few steps that people need to follow.

Determine the Statute of Limitations with a Malpractice Lawyer

While most medical malpractice cases are similar to personal injury lawsuits, there are going to be a few differences. Medical malpractice cases often have a different statute of limitations.

This statute is going to vary from state to state. Therefore, people need to check and see whether or not the alleged incident is still able to be litigated under the statute of limitations.

Look for Expert Medical Witnesses

After someone has determined that the case is still allowed to be litigated under the statute of limitations, the next step is to work with a trained malpractice lawyer to see whether or not the case actually constitutes malpractice.

There are a few criteria that need to be met. The doctor must have had a duty to the patient who is filing the lawsuit. Then, the doctor must have deviated from what is deemed to be the appropriate standard of care.

Finally, this deviation must have resulted in damages. If these criteria are met, then there is probably a malpractice case present.

The Complexity of Medical are

When someone is thinking about filing a lawsuit against a doctor, there are a lot of moving parts. Medical care is incredibly complex. For this reason, people need to make sure they work with a qualified legal professional who can act as a guide.


Unique areas to store items in your home

The most significant contribution to household clutter is the lack of proper organization and not knowing how to store your items properly. Key organization means making sure that everything in your home has its place–preferably close to where it is being used. You also need to invest in storage containers or a storage facility to help accommodate the things that you need to store.

If you are living in a modern house, you are likely to enjoy a range of features that increase your storage space. However, you may still need to create space and come up with creative solutions to maximize space.

Make use of the available space

Look at your house as a great huge packing box. Do you make use of the bottom part, or do you fill the whole box? If the latter is your answer, then why do you only use the bottom half? Make use of the vertical space–ceiling to the floor. Here, you can put up a shelf running all the way to the roof to keep your books, linens, small gift boxes, shoe boxes, and many medium-sized items.

Invest in a storage facility that does not take up space

Modern technology is also essential in-home organization. That foldable table-top or that rotating pantry door are all modern ways of creating space with various storage facilities. In the kitchen, make use of the walls by mounting different racks for organizing your pots and other cooking materials.

Prioritize and repurpose

Every home has various stuff that they use more frequently. In the kitchen, some cooking equipment is used every day, while others are only used once in a while. Focus on what you use most to determine what goes to the uppermost shelf and what goes to the bottom. Make use of huge plastic boxes and use them as cabinets or shelves, they are great home organizers and space creators.


Questions to Ask a Mortgage Lender before Signing


With so many different types of loans, it’s likely that you have a lot of questions for your mortgage lender. You need to ask any questions you have before you commit to the loan.

Questions can range from the right type of loan for you to how many years you will be required to pay. You should be shopping for a lender and asking questions until you get answers you are comfortable with.

Which of the Different Types of Loans Is Right for You?

Reputable lenders will want to find out more about you before giving you information about what loan is right for you. Don’t choose a lender that isn’t gathering information from you before they recommend a type of loan. Ask a lender to explain the pros and cons of the types of loans and learn how each one will fit into your personal circumstances.

What Is the Interest Rate and Annual Percentage Rate?

The APR is calculated with a complex formula that includes the interest rate and other related lender fees in the loan’s terms. An APR won’t account for early payoffs.

How Much of a Down Payment Is Required?

The most common down payment is 20% but that may not be the only requirement, especially if you are qualified. Depending on the loan you choose, you may be able to get away with as little as 3%. There will be pros and cons to this so it’s best that you get all the information and your options.

What Are the Origination Fees?

Lenders will sometimes charge origination fees. These fees are a little extra in addition to interest you are being charged. These fees can also be called lender fees so be sure to also use this term when you are trying to get information about the policy.

What Are the Costs?

The cost of the loan includes fees that go to lender but also other related third-party fees. These can include the credit report, appraisals, pest inspection reports, title policy, and other recording taxes and fees.

An estimate of these fees should be included in the Loan Estimate, which is required. You should ask for an estimate of these upfront before you apply for the loan.

Are You Able to Get a Loan Rate Lock?

Since interest rates change you may want to lock your loan rate if you think interest rates are going to move up. Learn how long the rate will be locked in and if you are getting it in writing.

Is There a Prepayment Penalty?

A prepayment penalty lets the lender collect extra interest if you pay off the loan early, either by selling the property or through a refinance. Be sure to ask how much the penalty is and how long the prepayment penalty will last. Some are only in effect for the first five years.

How Much Time Does It Take to Fund?

The average loan processing can be between 21 and 45 days. Ask about the anticipated turnaround time and any anticipated obstacles that may delay closing.


Common Reasons to Rent a Storage Unit

No matter where you look or how often you rearrange things, there isn’t enough storage space in your home or office. Since you really need the room, you’ve considered renting space in a storage facility as a viable option.

Is this really the smart choice? Keep reading to discover common reasons to rent a storage unit today.

1. Clean the Clutter From Your Home Using a Storage Facility

What do you see as you look around your home? Do you see a clean and clutter-free living space? Or do you see room after room full of disorder and junk?

Unfortunately, it doesn’t take much to fill your home with clutter. You let the mail pile up in a corner and before long it spreads like a virus.

You buy new outfits for the kids and forget to throw out or donate their old clothes. Now you have piles of clothes invading your bedrooms. Or a million other things happen to bring chaos and clutter to your living space.

Renting a storage unit is the easiest way to optimize your space. Get a self-storage unit and put everything that isn’t an immediate need within and tackle it whenever you’re to banish your clutter once and for all.

2. Home Renovations Are About to Begin

Many people rent self-storage units before a major renovation. Instead of leaving their furniture and other precious belongings vulnerable during construction, they feel content knowing their important valuables are safe and sound in a storage facility away from home.

3. Moving Day is on the Horizon

Are you about to move? It’s a difficult and grueling task if you own too much stuff. Some people prefer renting a storage unit to lighten their load before the big day.

Do you have a set of golf clubs no longer in use? Put them in the storage unit if you aren’t ready to part with them. Do you hold tightly to the China set your grandma gave you right before she passed on? You may not use these dishes, but you’ll never part with this precious gift. It sounds like a great addition to the storage unit.

Before moving day sneaks up on you, put everything without an immediate need or use into storage. It will make this difficult day much easier to handle.

Final Thoughts

Everyone has their own reasons for needing storage. Most commonly, people rent self-storage before moving, renovating their home, or to eliminate unending clutter.

Other possibilities include downsizing, starting a new hobby, and storing business inventory. Consider self-storage to make life simpler and less stressful on you and your loved ones.


4 Quick Tips to Better Inventory Control Management

If yours is like many smaller businesses, you have inventory consisting of finished products for sale or raw materials for making the products or for servicing your clients’ needs. Whatever the situation, you’ve got “stuff,” and plenty of it.

Inventory control management is critical to the success of your company. That includes storage decisions to keep your inventory from overrunning your business. Here are a few tips for managing your inventory rather than letting it control you.

Figure out what’s important. Not all inventory is equal. For some businesses, 20 percent of it might be used 80 percent of the time. That’s the stuff you need to get the greatest control over first.

Because this is the inventory that will cause your business the most disruption if it runs out unexpectedly or you have supply chain slowdowns when reordering.

Store your inventory according to need. That which you must get to quickest and/or most frequently should be within easiest reach. That’s an easy way to boost productivity and avoid crisis mode.

Adopt a software solution. Inventory control doesn’t have to mean only manual counts and spreadsheets.

The answer might be in the cloud. The digital cloud. Put your search engine of choice to work, using the keywords “inventory control software” or “inventory control apps.”

You’ll find workable solutions from QuickBooks, InventoryCloud, Fishbowl and countless others. Many offer “test drives” so you can see which system best meets your needs.

Consider off-site storage. We’ve all seen those reality TV shows featuring hoarders. Even though those programs involve homes rather than companies, the concept is the same within a business environment.

Your inventory can take over, squeezing out room for product displays, equipment, paperwork, employees and even customers. The advantage of highly organized off-site storage is that it’s not underfoot. Choose the right storage facility and your stuff can be easily accessible without ever being in the way.

With these quick tips in hand, you’ll know what you have and where it’s at when it’s needed. And that, when you think of it, is a great inventory management strategy.


Instagram bio ideas to get your business noticed

If you need to get some traction to your company, you might have set up an Instagram account. Utilizing the digital era is a great idea nowadays, but it’s so hard to get attention to your page. This is where the bio of your Instagram account comes in. If you have a successful bio, you will surely see more business.

You might feel the pressure since this is the first thing prospective customers see, but fear not! Here are some great tips to write the perfect bio.

Using Instagram for Online Advertising

The first thing you can do is use keywords to your benefit. If you didn’t know, there are certain words that Google loves to show to its users. Adding descriptive words to your business Instagram will yield better results on Google which leads to more clicks.


Formatting is the next big thing to keep in mind. Having a really cleanly formatted bio with some emojis to break up the text will draw the eye of the reader. Similar to how much we love a photo in the middle of an article to keep our attention!


Use links in your bio! Link to your website, your blog, whatever you can link to that’s pertinent. This is another tool that will yield better Google results.

Call to Action

Give the customers a desire to do something. Using a call-to-action will make the reader take an additional step. This could be a line asking them to look at your site, contact you for certain reasons, or for them to follow your other social media. This is arguably the most important part of online advertising your business on Instagram.


Color Coding For Storage Unit Success


If you need to rely on a storage unit, it is in your best interest to keep it as organized as possible. Having one is supposed to be a convenience, not a hassle.

One of the best ways to successfully use self-storage is to practice color coding. You can do this by setting a certain color for each category of items you are storing.

For example, you could assign the color green to kitchen items and the color black to sports equipment. All you have to do is use markers or paint to designate each box accordingly.

Self-Storage Organization Tips

Color-coded boxes are a great way to assess the items in your storage unit at a quick glance. This eliminates the need to open multiple boxes in an attempt to find what you are looking for.

You can even use colors to help organize your storage unit if you and other family members are using it. All you have to do is assign a color to each family member.

Following the method above, everyone in the household gets their own boxes for their belongings. This is another way to store items as efficiently as possible.

If you are struggling to assign a color to each family member, think about his or her personality. For a compassionate female, pink is the ideal color to associate them with.

For someone who is pure and innocent, white is the most fitting choice. By using colors to help identify the contents of boxes at a quick glance you can get the most out of your storage unit.


Here’s how your water heater works

Any machine that you use in your home that needs water, such as doing laundry to washing dishes or taking a hot shower, requires a water heater.

The most common type of water heater is one that stores water in its tank at a desired temperature and is available whenever you turn it on.

A gas water heater pulls cold water into the tank with a dip tube. The gas burner then heats the water. When the burner burns gas, it pulls really hot and toxic water through a chimney that is in the middle of the tank.

The chimney pulls the toxic air outside while heating the metal chimney which then heats the water around it. When you turn on a faucet, the water heater then moves the heated water to all the plumbing in the house.

The heated water rises, and as cold water is brought back in through the dip tube, the hot water is pushed out. You can set the temperature of your water with the thermometer that is connected to the gas line.

If the water temperature gets too high or if pressure is building up in your take, there is a valve that opens up to release the water.

This is the temperature and pressure relief valve. The helps protect you and made sure your water heater does not explode. It also has a drain valve on the water heater to drain it and reduce the amount of sediment that builds up in the tank. This drainage should be done annually.


Should jewelry be the first thing you sell when you’re in a cash bind?

When cash is low, it can be stressful. How can you pay rent, buy groceries, or get gas?

Luckily, there are items in your own home that, if you are willing to part with, can make you enough money to get by in these troubling times. While items like clothes, books, gift cards are possibilities to sell, jewelry will usually give the best return on energy. Few pieces can earn you a decent amount of cash.

What kind of jewelry to sell?

When deciding which pieces of jewelry to try to sell to make quick cash, just any piece will not do. It is important that the jewelry is real and will be worth something because of its metal and/or precious stones.

Decide which pieces of jewelry you no longer wear or perhaps you’ve been keeping for sentimental value but really do not need. Older jewelry and certain brands may be worth more than others. Certain metals, like gold, usually will earn you more money than another metal like silver.

Places that buy gold

If you’re able to find gold pieces of jewelry, you want to find the best place to sell your gold for cash. Below are some places that you can sell gold to:

Jewelry Store

Some jewelry stores will buy your jewelry and use the gold for future pieces. Most will appraise the item and give you cash for the gold that you’re selling.

Pawn Shop

Pawn shops will buy your jewelry as long as the piece is worth money as well. If you have an antique piece, that is even better for a pawn shop to buy.

No matter where you choose to sell, jewelry–especially gold jewelry–is always a great option to sell when you find yourself in a cash bind.