Dirty Money: Know What You Are Holding

Money (Photo credit: 401K)

What do you think of when you hear the term, “dirty money?” Do you believe that money has been obtained by illegal means? That will probably be the first thing in most people’s minds. However, did you know that most money is literally dirty, as in carrying germs? A study done in 1972 by the Journal of American Medical Association (JAMA), found harmful germs on over 200 bills and coins such as Staph and fecal matter. Gross, isn’t it?

Money is exchanged by hand. Stop and think about what people do with their hands. They sneeze into them, they forget to wash them after using the restroom, and pick up or handle other objects. These are some other ways money can be found to be dirty.

The Dreaded Flu

No one likes being sick, but the flu has its way of easily passing from person to person. It can also be passed by handling objects, such as money, from an ill person. Any strain of flu can live on paper bills a little over ten days. Now, think about that twenty you received from the clerk behind the register. You don’t know where that twenty dollar bill came from. There could be a good chance it was from the customer last week who had the flu. Makes you wonder How sanitary is your currency?

Lack of Cleanliness

You may be one to wash your hands thoroughly after using the restroom, but what about others? Did you know that less than half of all people wash their hands? It’s a very disconcerting statistic. Not only do these many people handle money, they also hold food while providing various services. Finally, think about those individuals who hold cash, coins or even credit cards.

Plastic Money

Credit cards are just as susceptible to germs, especially when that protective plastic begins to wear. Look at your credit cards. Do you see any black spots along the edges? If so, that is probably dirt caught between the plastic and the card itself. Use a Q-tip and alcohol to clean it off, and then set it out to dry momentarily.

Money can pick up germs from being dropped. People drop things all the time. Money can accidentally fall in the toilet, on the floor, in a litter box, or even come in contact with blood. Sweaty hands also contaminate money. Most people put cash in their pockets for easy access. Think about that person sticking their sweaty hand into their pocket for their cash. Paper bills will easily soak up whatever germs that person has.

Discover the Hidden Unsanitary Secrets of Your Bills

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“Cleanliness” may be next to “godliness”, but do you know how sanitary your money is? Do you need to worry about getting ill? How clean is your money? The secrets of your bills may surprise you. According to one story: A dollar bill was tracked for three years and traveled to 8 states including, Ohio, Kentucky, Tennessee, Florida, Texas, Louisiana, Utah and Michigan. What dirt was accumulated during this bill’s travels? One can only guess, but here are the three most typical free loaders:

Germs

Germs can last on a bill for up to 10 days. Germs land on bills simply because folks forget to be sanitary. They forget to wash their hands. They don't use tissues. The worst news is that there’s just enough quantity on the bills to worry over most experts. Want to be on the safe side? Don’t wipe around your mouth or nose after receiving a new bill.

Fecal Matter

No one wants to think about fecal matter, but it has been known to exist on bills for the same reasons mentioned above. If you’ve considered stomach problems because of food poisoning as just one culprit of dirty money, don’t worry. There’s just not that much bacteria on your bill to get sick, though you may still want to practice sanitary rules because of your new-found knowledge.

Drugs

Can prohibited drugs exist on money? This is true. According to National Geographic, “Nearly nine out of ten bills circulating in the U.S. and its northern neighbor are tainted with cocaine.” The increasing use of this illegal substance may contribute to this number. This is a scary thought on the outset, though it is not as dangerous an outlook as one might think. The experts say that there is such a low concentration of the drug on bills (possibly from the exchange of bills during drug handling), that no danger is present.

How clean is your money? In the long run, while your bills are a bit unsanitary with germs, fecal matter or drugs, there is really no reason to worry about getting sick. But if the facts above concern you, and if you cater to the thoughts that others have given, just put your bills in your pants and run them through your washer and dryer. The level of germs, fecal matter or drugs--what is left of them--will be gone. That is good news indeed.

Avoiding Debt Because of Emergency Hospital Expenses

Unfortunately it is not terribly unusual to find that many people who are deeply in the red these days are there because of medical expenses. One survey goes as far as to say that one in five families is struggling to pay off serious debt incurred through medical bills. As the cost of medical care continues to rise and the insurance coverage decreases this could possibly become an unavoidable trend for more and more families. Fortunately there are steps that can be taken to help avoid this calamity happening to you.

Expenses

Expenses (Photo credit: Phillie Casablanca)

How the Bills Occur

The last thing a person is thinking about when facing an impending operation – or worse yet a medical emergency of sort – is the cost of the medical care. Once a person finally receives the bill it quite often comes as a shock or simply more confusion that started with the emergency medical procedure in the first place. The billing practice itself compounds the confusion since many hospitals will send out individual bills for each aspect of the emergency from the hospital stay to the lab services, not to mention the cost of the ambulance. It and quickly become overwhelming.

The Debt Begins to Build

It’s not unusual for health care professionals to encourage patients to put the bulk of their expenses on their credit cards in order to ensure that they are paid. It is even common for some hospitals to make agreements with credit card agencies to offer reductions in price so long as the patient makes use of the credit.

The problem with this arrangement is that if all your debt is on a credit card instead of on another form of medical debt you may be prevented from getting other forms of financial assistance should you later need it to pay your bills. The debt changes from medical debt to consumer debt and it includes another form of penalties and fees. What is more this kind of debt can keep you from passing credit checks and securing other loans.

Other Forms of Credit

Other options to available to avoid incurring consumer debt to pay for medical expenses, a person may be tempted to secure a home equity line of credit. This may help you avoid collection agencies, but it also creates a new monthly payment for which you’ll be responsible. Often these monthly payments can end up being more costly than the original medical bills. Should it lead to higher interest or points you may be caught in a horrible cycle requiring even additional debt to help you pay for the original expenses.

Home equity loans also mean unnecessary to your home. The medical debt is considered unsecured debt, which if worse comes to worse, could end up being forgiven should you go through bankruptcy. Secured debt, such as your home, is not forgiven in the same fashion.

A cash advance may be an avenue to consider depending upon how many medical bills arrive and for how long you will need the money.

Best Bets to Avoid Debt

The only ways to truly avoid debt when an emergency of this sort occurs is to be thinking ahead. If you prepare by beginning a medical savings account, you might find you have adequate money to pay off your medical expenses when they occur. Some employers even offer medical savings accounts which can be added to with each paycheck. These accounts can only be used for medical purposes so they can’t be pillaged for other desires along the way, therefore assuring that the money will be there when you need it.

Other options include additional insurance programs that help pay for expenses that go beyond your regular insurance policy. There are many add-on policies, which if you can afford the money premiums, can end up being worth the extra expense when an emergency catches you off guard.

Injuries Caused by Terrible Accidents

No one wants to imagine what can really happen during terrible accidents, but the reality is people face them every day and are left with having to pay the consequence for other people’s negligence. Some injuries may not occur right away or victims are left in shock after an accident, so they do not notice the symptoms immediately.

Here are some types of injuries that can happen from accidents.

Neck Injuries

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Neck injuries often occur during automobile and personal accidents leaving drivers and passengers in serious pain and sometimes even the inability to enjoy their lives like they used to. The most common type of neck injury is called “whiplash.” Whiplash is known to affect the soft tissues that are found in the neck affecting the movement of the neck and the head. Other neck injuries include, but are not limited to, herniated discs and pinched nerves.

Head Injuries

Head injuries may also result from accidents and are considered as one of the most serious injuries that can occur from automobile and personal accidents. Because head injuries often result in lifelong injuries, it is important to get a consultation with a New York personal injury lawyer to determine what your rights are. Head injuries are considered catastrophic and may have a major impact on your health and personal life. Knowing your rights is important to help you recover and get the help and proper recompense that you need.

Back Injuries

The majority of back injuries happen during car accidents. These back injuries can range from pinched nerves, herniated discs, and even fractures causing extreme pain. Because of the severe nature of these injuries, victims may need long periods of rehabilitation and treatments, which can be very expensive.

Talking to a personal injury lawyer will help you know what your responsibilities are and if the other party involved has any responsibility in the costs. Often victims are eligible for compensation for the pain and suffering they endure because of the accidents.

Internal Injuries

Internal damage to lungs, spleen, liver, and kidney may occur during an accident. These internal injuries may not be noticeable until a thorough laboratory exam is performed by a doctor. These injuries can be very serious and in some cases, fatal to the victim.

Often internal injuries will result from damage done to other body parts such as fractured or broken ribs which can puncture the lungs. These injuries will need immediate attention and usually require the victim to be hospitalized often for long periods of time.
Suffering from personal injury may also cause you to endure financial difficulties due to medical bills. To avoid this scenario, it is important to know your rights in filing a personal injury negligence lawsuit, so you can make sure that you or your family can gain proper financial security and fulfill your legal goals.