Why Do You Need Life Insurance

Why Do You Need Life Insurance

It’s hard to talk about death, especially when it involves people you love. Conversation about death really needs to happen if there is no delayed concern about health problems or when age is not a factor. This is something you should talk about openly, and do it when you’re young. There are a few things you want to consider when you are planning together. You want to have the will to make sure that the issue is handled as you see fit. Another area to consider is life insurance in Greenville, SC, or with companies in your area. There are many reasons why you should have life insurance. It’s important to protect your family, maybe your business, and maybe leave a legacy.

Reasons You Should Consider Life Insurance Why Do You Need Life Insurance

You really never know what the future holds for you. Every day, anytime, you can be involved in a fatal accident, an unexpected illness, or die of natural causes. Life insurance is a way to help your family and loved ones face the financial burden that may be caused by your death. Emotional worries are great, and the last thing you want to add is extra worry about how to pay mortgages, principal bills, tuition, and other expenses. Life insurance benefits can also help pay for housing taxes. Nothing will bring you back, but at least you can make it easier for the people you leave behind.
You never want to make the assumption that your family will bounce back after you die. It is possible that living parents may want to take time to work to care for children, especially after a tragic loss. You also do not want to plan a couple to remarry. You might think it could happen, but it should not be part of the financial plan. You want to do your best to let your family in a situation of having enough, through life insurance allowances, to provide the lifestyle you want them to lead. It’s important to work with a financial planner to evaluate your goals and find the best figure for your situation.
Death should not mean that your family is in debt to survive. Funerals are expensive events and choices that can be an add on when emotions are high. Life insurance can cover these costs as well as other expenses. You do not want to add to the burden they already feel with accumulated debt immediately. Why Do You Need Life Insurance
It is important to buy your life insurance at a younger age, when your health is at its best. Once you have your policy protected even if you suddenly find you have cancer or other conditions that might prevent you from getting protection. In other words, you lock your inability when you are most healthy. Many futures policies will also come with the option to change all life later on in the life of the policy. This is very valuable, because the whole life policy allows you to maintain your lifetime insurance and also creates a tax-free cash value and can even be used as a channel for pensions.

Why Do You Need Life Insurance

When you are young, you may think that you do not need life insurance in Greenville, SC, or wherever you live. You will want to take the time to evaluate what your family will do if tomorrow you do not come home. This is the thing that is responsible for doing, and although this may be a difficult discussion, it is one of the things you need to have.

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As SF skyscraper sinks and leans, the number of lawsuits rises

As SF skyscraper sinks and leans, the number of lawsuits rises
Residents mind the cracks in the basement walls of the Millennium Tower and wonder how far their homes and their property values ​​will sink

As the cracks in its basement walls slowly widen, a visual clue to the slow sinking of the 645-ft. skyscraper, the residents of Millennium Tower file lawsuits and wonder how far their homes – and their investments in these homes – will sink. Jon Wertheim went to San Francisco to report on the building that’s become the most infamous in the city’s skyline for a 60 Minutes story to be broadcast Sunday, Nov. 5 at 7:30 p.m. ET and 7 p.m. PT.

Since its foundation was poured in 2006, the Millennium has sunk 17 inches and tilted 14 inches to the northwest. The posh residence was once touted as the city’s bestsellers and ibs of the likes of tech titans and the city’s former pro quarterback, Joe Montana. Pat and Jerry Dodson were enthusiastic buyers. They tell Wertheim they were euphoric over their new home until the news broke about the sinking. Jerry, a lawyer and engineer, now makes a daily trip to the basement to check on the spread of cracks in the walls. “There’s enough of them, a spider web of cracks … that you have to be concerned about what’s going on underneath … I’ve been told by structural and geotechnical engineers that I should be watching.”

The trouble at the Millennium Tower has spawned numerous lawsuits – to which there are some 20 parties so far. But some residents have already sold their units. “We do not know if this building is going to stand up in an earthquake,” says Frank Jernigan. “And so I became severely frightened of that.” His husband, Andrew Faulk, adds, “We just left,” he tolds Wertheim. They say they lost between 3 and 4 million dollars when they sold their apartment earlier this year. “We sold it for about half of what it was valued at before the news came to light,” says Jernigan.

Millennium Tower was built to code, but some engineers now say that because the building is made of concrete and heavier than a steel building, its foundation should have been driven deeper, all the way to bedrock, to prevent sinking. An interesting array of suggestions about how to fix the towers have been floated around town; they include freezing the ground beneath in perpetuity or lopping off the top 20 floors to decrease its weight. More likely, say engineers, the foundation will have to be strengthened by new piles that reach down to bedrock.

While the tech-fueled building boom in San Francisco continues unabated and “bedrock” has become the new watchword to developers. In an ironic reference to Millennium’s troubles, tech giant Salesforce, whose headquarters was recently completed across the street, proudly tweeted that it was resting on “Bedrock Baby!”

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Meet the Weedtubers Who Get Paid to Toke Up

It’s fascinating how many people make a living by posting videos on YouTube.

Tutorials, family vacations, product reviews and other ridiculous antics make people rich overnight.

But have you heard of weedtubers?

These are people getting paid to smoke marijuana and post it on the internet.

That’s right – getting paid to get baked.

Read on to learn about some of the most famous weedtubers around.

Joel Hradecky: King of Weedtubers
Considered the king of the weedtubers, Joel Hradecky has 1.2 million followers, which he amassed in only 4 short years.

His YouTube channel CustomGrow420 showcases a variety of videos including him trying to smoke a gram of THC oil. This video racked up over 1.3 million views.

Which is almost as much as the 1.5 million who viewed Hradecky’s seven-minute coughing fit following his attempt. Seems like Hradecky’s success thrives, in part, on the psychological idea that humans enjoy watching other humans suffer.

But this cannabis king does not laugh (or scoff) for the love of entertainment. Thousands of fans actually turn to Hradecky for recommendations on bongs, strands of cannabis and other accessories.

Josh Young
If you’re mainly looking for advice and information on smoking weed, the different ways it can be smoked, or weed prices, Young is your man.

On his YouTube channel StrainCentral, Young smokes marijuana anywhere from 3 -10 times a day, right alongside his viewers.

Young thinks that sometimes his fans are just, “looking for a smoking buddy.”

In similar fashion to other weedtubers like Hradecky, Young also posts videos showcasing attempts at smoking large quantities of THC in a short period of time and the horrifying effects.

With over 373,000 subscribers, Young really makes a really good smoking buddy!

Coral Reefer
Being a weedtuber is not just for the boys. Do not worry ladies, you can be famous for smoking weed on YouTube too!

Just look at Coral Reefer. If you’re looking for an interactive weedtube experience, then Coral Reefer is your girl.

Coral Reefer hosts a live show every Sunday called “Stoney Sunday Live” where she answers weed-related questions from viewers and fans. Coral is very passionate about cannabis and its many benefits.

Visit her channel and you ‘ll see her attending marijuana events and sharing info about what’ s happening in cannabis news.

Jane Dro
Another weedtuber representing the female marijuana lovers out there is Jane Dro.

If you desire a more educational experience when it comes to cannabis, Dro is a powerhouse of information. Dro tells viewers the ins and outs of growing marijuana and offers tips, as well as an inside look at her very own grow room.

Check out Dro’s channel for in depth videos and product reviews for avid and serious cannabis users. You may even spot the next marijuana smoking star on our list when watching Dro’s channel – these two show up in each other’s videos.

Soundrone
You can not have a good smoking session without some good munchies. Soundrone is all about unboxing and reviewing products – and not just cannabis related items.

Visiting this quirky characters channel will win you the chance to see candy, drink, and snack reviews. A perfect compliment to your high.

His friends are interrupted by bong or blunt. Soundrone must be doing something right because not only is he a successful weedtuber, he’s also an entrepreneur.

Soundrone has his own hemp wick line known as Bee Lasso.

Are you YouTube’s Next Big Star?
It’s hard not to be motivated by these weedtuber stars. They’re getting paid to do what they love – that’s the great American dream, is not it?

Maybe your current hobby is something the world wants to see. Perhaps you’ll be a famous blogger turned YouTube star.

Part of these star’s fame comes from the public’s fascination with cannabis. Want to learn more about this drug and its growing popularity?

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Photo class choose the right one for you

Photo class choose the right one for you

Today, people are really fascinated with photography. There are a variety of cameras, devices that help you capture important moments, parts of your daily life, as well as locations or beautiful people. Nothing is holding you back from taking good photos and improving them online. Some people may say that you have talent or not. However, things are a bit more complicated, not so black or white. Surely you’ve heard of many photo classes that open their doors to those who want to know more about this domain. There is diversity out there and this should make you ask how people should choose the course. As you can imagine, not all photography classes are trustworthy and reputable. If you are going to enter this field, you may also log in loudly, in the right way. Here are some important aspects and can help you in your search. Photo class choose the right one for you
You can start by looking at your selection based on location. It is important to attend classes and this means you may want to choose one course located in the same city. London, Paris, Brussels, Berlin, wherever you are, there must be some alternatives in photography. After considering the location, you should see a reputation. Here are aspects that can assure you that you are dealing with an actual team of professionals. A dedicated, trustworthy, reputable course will recommend her as such and as proof, reviews and feedback from clients will be available. This should support the academic publicity created for himself. It’s always best to go to a reputable class, because you have a good chance to really learn interesting and interesting photography techniques. Still in touch with the reputation are the staff working there. The photography class is worth taking when you know that you will learn something different, something you do not know. So it’s better to take a closer look at who will teach the class, before you sign up for it.

Photo class choose the right one for you

Find out more about your teacher, see their photo. In the end, this should be the one who recommended them. Their photo is their calling card and if they are really excited about this field, it should not be too difficult to see what this looks like. In addition, not enough to know your way around the world of photography. The team of experts who will take the course should know how to teach, how to make themselves understand and how to convey important information that will help students in the future. Read as much as you can about your alternatives. Find out exactly where this is, compare it and only after making your choice. Try not to rush, because you might make mistakes. The world of photography is not going anywhere, here it is waiting for real talent to join.

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How to Buy for Guy No Want Anything

How to Buy for Guy No Want Anything

Gift giving happens all year round for all kinds of occasions. Usually, the process is easy: the person is easy to buy, or they say they want to.

But sometimes it can create stress. Especially when the person says they do not want anything.

This can be even more complicated when the guy is a guy.

Do not worry Here are some steps you can follow to relieve stress and find a gift that will be loved.

First: Explain
Consider the man in your life. In the list below, the words that resonate? How to Buy for Guy No Want Anything

outdoorsy
musical
techy
food enthusiast
intellectual
mechanical
traveler
athlete
sports fans
young
retired
middle aged
career changers
pass
father
grandfather
son
you
meaningful people
friend
leader
business owner
creative
reader
author
farmers or gardeners
chef
speaker
adventurer
funny
… add your own!
Second: categorization
Is this guy a man of the product or an experienced man?

A product man is someone who likes to play with stuff. He has the latest phones, fancy computers, lots of books, gadgets, toys and clothes.

An experienced man often donates goods, has limited wardrobe, and tells many stories.

Third: Identify your Budget
Hopefully, now you’ve found a description of your man and whether your search will be a product or experience.

Now you need to decide how much you can and want to spend.

For many, this equation depends on your relationship with this person, the occurrence or purpose of giving, and of course the size of your bank account. How to Buy for Guy No Want Anything

If you are like all of us, funds are unlimited. However, a small budget does not necessarily mean giving small rewards to creativity, enjoyment, and appreciation.

Four: Get Creative and Use Your Tool
Search for it

type a description of your words
add “product” or “experience”
including your top dollar amount
If a typical Google search does not prove to be useful, http://www.getcoolitems.com has a “Sort With” tool that can provide additional layers of help by categorizing rewards as newest, hottest, popular, or random.

The point here is to make a huge list of options that you can browse and see what ‘click’ as a perfect gift.

Watching TV

Well, pay attention to something with a character that reminds you of the guy you bought.
Observe the activity that this character follows and enjoys
Observe the goods around their residence or workspace
Ideally, you get some ideas from a creative in Los Angeles that regularly create realistic environments and activities for this character.

If your person reminds you of Schmidt from The New Girl, your gift purchase will surely end in a different way than if the guy prefers Nick or Winston.

Create an Experience
So you do not use the word “product” in the description. Do not worry. For this person, you can create an experience for him, or even better, for both of you.

And, spending time with friends and family is actually quite healthy!

When planning an experience, it is important to consider the following:

Weather – no one wants to freeze on hot air ballooning
Long experience – if this person works 70 hours a week, multi-course dinners on weekdays may not fly
Remaining years – sports fans? Do not wait until the playoff to buy a baseball ticket, especially if your budget is tight
Level of comfort with the crowd – his favorite band came to town? Awesome! Does he hate the crowd? Choose the ticket location carefully.
Surprise or Plan? Some people love surprises. You can show up at their door tonight and shuffle it to an international destination and they’ll love it. Others will slam the door on your face and change their phone number.
Gift card

Who does not like gift cards? Yes, initially they can look like a mindless and unreal harvesting in the cash register at Target.

However, they can also represent a desire for a man you have little financial freedom to achieve something they are watching for some time.

Remember to keep an eye on his interests. If he is handy around the house or likes to the garden, Lowes gift cards or Home Depot make sense. But if he prefers gadgets or campers, other retailers may bet more.

And, if your recipient lives far away, many stores let you send emails to gift cards. This can be a simple and easy way to let your man know that you think about it.

Attention

Now this works best when you remember to start thinking

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7 Ways to Tell if It’s a Timeshare Scam

 

Some timeshare scam artists go to great lengths to pull one over on timeshare owners. Do not fall victim to their trap.

Stay one step ahead of these con artists. Check out these 7 ways to tell if someone is trying to scam you for your timeshare!

7 Ways to Tell if it’s a Timeshare Scam
1. You Were Contacted With a Timeshare Offer Out of the Blue

The first sure sign of a timeshare scam is if you are contacted with an unsolicited offer.

If you’re advertising that your timeshare is up for rent or sale, of course, it makes sense that you will receive inquiries. However, legitimate companies will not contact you out of the blue with offers to rent or sell your timeshare.

This means that if you get an unexpected phone call from someone you’ve never heard of before asking if you want to rent or sell your timeshare, it’s likely a timeshare scam.

While they may have detailed information about their ownership, do not let this convince you that they are legitimate.

A lot of timeshare ownership information is easily available to the public, which means you can find out where you own, what you own, or even how long you’ve owned the timeshare for.

2. You Were Invited to a Seminar

In order to make one quick, big score, timeshare scam artists are desperate to gather as many timeshare owners as they can at once.

These scam artists rent a room at a local hotel and send out postcards to “invite” you to a presentation. This presentation is said to help you get more money out of your timeshare ownership through listing it for sale, renting it, donating it to charity, etc.

Scammers know you ‘re open to attending such events / presentations since that is likely the way you bought your timeshare, to begin with.

After they get your money, however, they’ll likely disappear, never to be heard from again.

3. You’re Offered More Money for Your Timeshare Than Your Asking Price

While not ideal, it’s the hard truth that timeshares do not make a great investment for owners that are hoping to sell for more than they paid.

The fact is that there are too many units available. These units are being sold by a bunch of pushy developers that have greater access to potential buyers.

This means that you can get a lot of money from you.

4. There’s an Interested Anonymous Buyer

Has someone in particular contacted you with a hot buyer who is “very interested” in purchasing your timeshare?

Watch out, this is probably a scammer.

If you ‘re being told that all you have to do is send the money for “closing costs,” do not believe it.

5. Online Complaints and / or Bad Rating

Hopefully, you take the name of the person and / or company that you’re considering to sell, donate, or rent your timeshare to.

Now, take the time to type it into a search engine and read up. Specifically, try typing in the name followed by the word “complaints” to see what you get.

This is a good way to find out if they have been posted in forums and complaint boards regarding their scammer experience.

Also, check to see if the person and / or company has a bad rating with the Better Business Bureau (BBB).

If the company has been earning a bad reputation, this is one of the best ways to find that out and uncover the truth.

The BBB is one of the most trusted sources of information about business and their reputations. Additionally, it’s one of the first places angry customers will go if they feel they’ve been scammed.

Learn from their mistakes through these quick searches.

6. They Want Money Upfront

You may be contacted by someone who wants money up front to “list” your timeshare.

They’ll tell you that for $ 600, $ 800, $ 2500, etc., they will happily “list” your timeshare for sale. Even if they do take your money and list your timeshare for sale, it will be in a place where virtually no one will buy it.

Only, they will not tell you that last part!

The demand for upfront payment can come in many other forms as well.

Con artists will not always be clear about the cost, so beware. Some may string you along explicitly stating that they’re not any upfront fees.

All the while they may be asking that funds be deposited into an “escrow account.” They will still be doing so without any intention of ever returning your funds.

7. You’re Asked for a Money Order or Wire Transfer

The biggest tip for timeshare sales, rentals, or donations is to not deal with anyone who requires payment upfront in a form that removes any chance that you can stop payment or protect yourself in the event that the promised service is never delivered.

If the person and / or company requires payment by money order or bank wire transfer, this is a huge red flag. Someone is likely trying to

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Should you fix or change your driveway?

Should you fix or change your driveway?

Your asphalt road can contribute or reduce the attractiveness of your goods.

When the driveway is in top condition, the overall appearance of your property increases, and driving on it is smooth and pleasant.

On the downside, a damaged or old road will devalue your property, and a large gap may serve as a hiding place for insects and lizards.

So, your asphalt road continues to experience loopholes and holes, have you contacted a professional repairman to patch it or it’s time to replace it all?

In this post, we share tips on how to find out when to change or fix your entrance.

Let’s go inside.

You Make More Repairs Often than You Want
The asphalt entrance is not built to last forever.

Over time, wear shake, so the entrance begins to collapse or develop cracks here and there. In this case, there is no harm in calling a technician to fix the problem.

However, when you find that you frequently make repairs and the associated costs are out of control, it’s time to tear the entire entryway and install a new one.

The Highway You Have Spend The Life Expectancy
The average length of time that can be entered depends on a number of factors, including building materials, installation quality and climate.

For example, while a brick entrance can last up to 50 years or more, the life of the asphalt road is limited to about 20 years.

If your asphalt road has been around for two decades, you will definitely be tired or run out of money to fix it every time a crack occurs.

After at least 20 years of faithful service, say goodbye to the driveway of your old house and start preparing to replace the asphalt.

You Prepare to Sell Your Property
When selling a home, every homeowner focuses on taking the maximum value in the market.

To increase the visual appeal of the property and increase your chances of getting the best deal, you must make the necessary improvements.

The driveway, which usually occupies an empty area, should be somewhere between your first target.

But, if you already have some loopholes that are patched, then it is in your best interests to replace instead of making improvements.

A patched driveway will frighten potential buyers and make an appraiser to drop a few thousand dollars from the value of the property.

Professional Professional Asphalt Replacement Says It Has Been Going
If you are not an asphalt coating specialist and asphalt replacement, it may be difficult to determine whether your drives need to be repaired or replaced.

So when you call the contractor to check the driveway and say that the condition is irreparable, you have no choice but to prepare to replace the asphalt.

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Photography class: see the beauty through the lens

Photography class: see the beauty through the lens

Anyone can easily notice that the art of photography is now very popular and for good reason. People in a large number decided to take part in a photography class for the purpose of discovering more about this art. If you stop and think for a moment, you will surely be surprised by how much this domain is growing and developing. So fabulous. The need to capture certain moments or famous people is always there. Whether it’s for history or for the needs of beauty, painting and sustainability that is never satisfied, photography is always in the minds of individuals. And how great it is! Imagine the heart that broke photos of the First World War. Although there may not be any special techniques that began to be used at the time, these photos managed to surprise the heartbeat and the pain that determines the concept of war. It’s amazing that photography exists and the world is lucky to have it. Photography class: see the beauty through the lens
Seeing the world through the lens may seem simple, but as soon as you invest in a complex device, you realize that it is not so. Photography is much more complicated than imaginable. For this reason, it is advisable to take photo classes based in Geneva, Paris or London. You need to learn these secrets from the experts. Without them, photography, your passion, may not be as useful as you might think. Most people get lost in cliches and lose details, which is the essence of beauty. This is the detail that makes the photo different from what you’ve seen before. For example, imagine a bride’s classic photo, wearing a beautiful and stylish long dress and underneath it, and instead of a pair of high-heeled shoes, you see a pair of red sneakers. That’s the detail that makes the photo different from what is usually considered a wedding picture. A dedicated specialist can teach you how to pursue these details and use them in your photos.

Photography class: see the beauty through the lens

Also, you will find the secret of lighting. You need light, but not just any light. You need morning light, cool, sensitive, shy to bring innocence and youth in your drawing, but you also need a warm, caring, warm afternoon light that fills the picture with love. Learn how to search and use light by following professional and trusted courses. Discover how to choose a theme, how to photograph people and places from the right angles and most importantly, how to use your device and to make it your best. New, modern cameras are very complex, but unless you learn to use them, you will not understand what’s great about them. The art of photography is amazing, very useful and timeless, but you need to find it, step by step. Take a course, learn some secrets and practices. This is the path to the beauty of seeing through the lens.

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How to Shop for Auto Insurance

How to Shop for Auto Insurance

When you set out to buy a car, you usually take the time to consider your needs and budget. The same consideration is just as important when shopping for car insurance. We were flooded with car insurance ads every day; It’s hard to know which one is best for you and your family. Start your search by finding out your state insurance requirements, which can range between $ 40,000 to $ 100,000 per accident. Choosing the amount of coverage you need is the most important factor. Once you decide on the type of coverage you need, you can easily compare policies online to find an agency that offers affordable car insurance in West Palm Beach, or in your area.

Three Types of Auto Insurance

Insurance coverage is the cheapest option and usually includes damage caused by an accident. It is designed to treat damage to other cars or injuries to persons involved in an accident; It usually does not cover damage to you or your vehicle.
Collision insurance covers the required repairs after the accident. To ensure your repair costs will be taken care of, get a list of approved workshops from your agency.
Comprehensive coverage pays for damage due to theft, floods, vandalism, and damage caused by events other than collisions. Some comprehensive plans also include damage caused by uninsured drivers.

How to Shop for Auto Insurance

If you have taken a loan in your car, your lender may have rules about what kind of coverage you need; most lenders require comprehensive coverage. If you own your car directly, you can decide which type of coverage is best for you, as long as you comply with state laws.

Tips on Choosing the Best Car Insurance

Whether you purchased the first auto insurance policy or reviewed your current policy, take the time to compare multiple agencies. We recommend checking your rates every year. You can choose to get a personalized quotation from an agent, or save time using an online comparison tool.
Choose an insurance agent with good ratings. If you are dealing with a reputable company, they will most likely send online customer reviews. Find comments regarding claims, payments, and customer service. Another great resource is the insurance department in your state. Most countries publish a report stating how many complaints a car insurance company receives.
Choosing the right deductible can save you money. A higher reduction will reduce your overall premium, but it will cost you more if you have an accident. A lower reduction means less than a pocket at the time of the accident, but a higher premium along the way. If you have a good driving record and have no accidents in your records, you may want to consider a higher deductible.
Taking advantage of all possible discounts is the best way to make car insurance more affordable. Most insurance companies offer discounts for older drivers, married drivers, and safe driving records. You can also save money by purchasing a car with anti-theft protection and anti-lock brake system. You may be offered a discount to bundle your car and home insurance; However, you should check shared and separate costs before making a decision.
Ask which insurance company they offer for future savings. Some companies have programs that reduce your deductibles for safe driving every year, or you may have the option of keeping your deductible the same after your first accident. How to Shop for Auto Insurance
In the past, most people bought car insurance from agents; there are now companies that allow you to buy insurance by phone or online. Most major insurance companies still rely on local agents to take care of their customers. Your agent can help you find affordable car insurance in West Palm Beach, or in your area. How to Shop for Auto Insurance

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Take Security to Your Own Hand and get a HIPAA Risk Assessment

 

If your organization deals with protected health information, or PHI, the Department of Health and Human Services requires you to perform risk analysis as the first step to implement the safeguards specified in the HIPAA Security Rule, and ultimately achieve HIPAA compliance.

This includes all HIPAA hosting providers.

But what is a risk analysis? And what should be really included in your report?

The Health and Human Services Standards Guide outlines the nine components of compulsory risk analysis.
By conducting a comprehensive HIPAA risk assessment, it is very difficult to do on their own. You may want to contract with HIPAA auditors to help you.

Most people do not know what to find out, or they end up passing things because they do not understand data security.

If risk analysis is important to your security, then you do not want to ignore the key elements in the analysis.

There are nine components that health organizations and health-related organizations that store or transmit protected electronic health information must be included in their documents:

1. Scope of Analysis

To identify your scope – in other words, the area of ​​your organization you need to secure – you need to understand how the patient’s data flows in your organization.

It covers all the electronic media your organization uses to create, receive, maintain or transmit portable media, desktop and ePHI networks.

There are four main parts to consider when determining your scope.

Where PHI starts or enters your neighborhood.
What happens after that in your system.
Where PHI leaves your entity.
Where potential or leakage exists.
2. Data Collection

Here is a list of places to get you started in the documentation where PHI enters your neighborhood.

Email: How many computers do you use, and who can log in to each?
Text: How many mobile devices are there, and who owns them?
EHR entry: How many staff members are included in the data?
Fax: How many fax machines do you have?
USPS: How are incoming mail handled?
New patient paper: How much paper does the patient have to fill? Do they do this at the front desk? Test room? At another place?
Communication business associates: How do business partners communicate with you?
Database: Do you accept a marketing database of potential patients to contact?
It’s not enough to know where PHI started. You also need to know where to go when you enter your neighborhood.

To fully understand what is happening with the IRC in your environment, you should record all hardware, software, devices, systems and data storage locations that touch the IRC in any way.

Then what happens when the IRC leaves your hand? It is your job to make sure it is transmitted or destroyed in the safest way possible.

Once you know all the places where PHI is placed, transmitted, and stored, you will be better able to protect those vulnerable places.

Identification and Document of Potential Vulnerability and Threats

Once you know what’s happening during the PHI’s lifecycle, it’s time to find a gap. This gap creates an environment for unsecured PHI to leak inside or outside your environment.

The best way to find all possible leaks is to create a PHI current diagram documenting all the information you find above and putting it in a graphical format.

Viewing diagrams makes it easier to understand the PHI path and to identify and document anticipated vulnerabilities and threats.

Vulnerability is a defect in components, procedures, design, implementation, or internal control. The vulnerability can be fixed.

Some examples of vulnerabilities:

The website is incorrectly encoded
No office security policy
The computer screen is in view of the public patient waiting area
Threats are the potential of a person or object to trigger a vulnerability. Most threats remain outside your control to change, but must be identified to assess the risks.

Some examples of threats:

Geological threats, such as landslides, earthquakes, and floods
Hackers download malware to a system
The actions of members of the work force or business associates
Again, even if you are above average in terms of compliance, you may have little understanding of vulnerabilities and threats. It is important to seek professional help for your HIPAA risk assessment.

Assessing Current Security Measures

Ask yourself what kind of security measures you take to protect your data.

From a technical perspective, this is the case

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