Mortgage Loan Origination Software – 10 Functions of Mortgage Banking

Regardless of a mortgage lending organizations’ size, mortgage loan software, data security solutions and automation tools and services should be able to assist with mortgage loan automation requirements. In today’s chaotic mortgage lending environment origination and document security systems need to be easily configured to emphasize a company’s special needs and increase efficiencies across all aspects of the loan origination process, allowing lenders to increase quality and productivity.

Technology-driven automation is the key to succeeding in the increasingly complex, deeply scrutinized mortgage industry. Web-based (Software-as-a-Service), Enterprise mortgage software that supports the ten primary functions in mortgage banking will provide lenders with the necessary competitive advantages to succeed in today’s mortgage industry.

Ten Primary Functions in Mortgage Banking

  1. Mortgage Web site design, implementation, and hosting to provide product, service, loan status, and company information to mortgage customers and business partners
  2. Online loan applications for gathering information from borrowers and business partners that issue loan terms, disclosures, and underwriting conditions
  3. Loan origination software for managing loan data, borrower data, property data, general status reporting, and calculations
  4. Interface systems to send and receive data from real estate service providers, such as credit reports, flood determinations, automated underwriting, fraud detection, and closing documents
  5. Internal automated underwriting system that is simple enough for originators and sophisticated enough for underwriting portfolio loan products
  6. Document generation for applications, upfront disclosures, business processes, and closing documents
  7. Integrated imaging that is used from loan origination to investor delivery and for file archiving
  8. Interest rate and fee generation along with program qualification guidelines
  9. Secondary marketing data tools to track loan revenue and investor relationships, including warehouse line management and interim servicing to complete the back-office system
  10. Reporting such as loan delivery, year-end fee reporting, and HMDA reporting for loan application disposition

Web-Based, enterprise mortgage software that supports the ten primary functions of mortgage banking simplifies compliance, maximizes operational efficiencies, and increases profitability.

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Wide Area Network (WAN)

Types and Characteristics of WANs

What is a WAN?

There are two prevailing definitions of a Wide Area Network (WAN). The book definition of a WAN is a network that spans large geographical locations, typically to interconnect multiple Local Area Networks (LANs). The practical definition of a WAN is a network that traverses a public network or commercial carrier, using one of several WAN technologies

What are its Main Components?

The main components for a WAN are routers, switches and modems. These components are described below in the hardware section.

CPE – Devices on the subscriber contracts are called customer premises equipment (CPE).
The subscriber owns the CPE or leases the CPE from the service provider. A copper or fiber cable connects the CPE to the service provider's nearest exchange or central office. This cabling is often called the local loop, or "last-mile".

DTE / DCE – Devices that put data on the local loop are called data circuit-terminating equipment, or data communications equipment (DCE). The customer devices that pass the data to the DCE are called data terminal equipment (DTE). The DCE primarily provides an interface for the DTE into the communication link on the WAN cloud.

Hardware

In a WAN you will need various types of hardware components for it to function. The typical items of hardware that you will need in a WAN are:

Router – An electronic device that connects a local area network (LAN) to a wide area network (WAN) and handles the task of routing messages between the two networks. Operates at layer 3, and makes decisions using IP addresses.

Switch – A switch is a network device that selects a path or circuit for sending a unit of data to its next destination. Operates at layer 2, and uses MAC addresses to send data to correct destination.

Modem – Short for modulator / demodulator, a modem that enables a computer to communicate with other computers over telephone lines. Operates at layer 1, where signals are converted from digital to analogue and vice versa for transmission and receiving.

Wan Standards

WANs operate within the OSI model using layer 1 and layer 2 levels. The data link layer and the physical layer. The physical layer protocols describe how to provide electrical, mechanical and functional connections to the services provided by the ISP. The data link layer defines how data is encapsulated for transmission to remote sites.

Encapsulation

Encapsulation is the wrapping of data in a particular protocol header. Remember that WANs operate at the physical layer and the data link layer of the osi model and that higher layer protocols such as IP are encapsulated when sent across the WAN link. Serial interfaces support a wide range of WAN encapsulation types, which must be manually specified. These types include SDLC, PPP, Frame delay etc. Regardless of WAN encapsulation used it must be identical on both sides of the point to point link.

Packet and Circuit Switching

Circuit switching and packet switching are both used in high-capacity networks.
The majority of switched networks today get data across the network
Through packet switching.

Circuit-switching is more reliable than packet-switching. Circuit switching is old and expensive, packet switching is more modern.

General Routing Issues

What is a Routing Protocol?

A routing protocol is a protocol that specifies how routers communicate and exchange information on a network. Each router has prior knowledge of its immediate neighbors and knows the structure of the network topology. The routers know this because the routing protocol shares this information.

Protocol

RIP (Routing Information Protocol) was one of the most commonly used protocols on internal networks. Routers use RIP to dynamically adapt changes to the network connections and communicate information about which networks routers can reach and the distance between them. RIP is sometimes said to stand for Rest in Pieces in reference to the reputation that RIP has for breaking unexpectedly and rendering a network unable to function.

Routing Algorithms

Distance Vector

This type of routing protocol requires that each router simply inform its neighbors of its routing table. The distance vector protocol is also known as the bellman-ford algorithm.

Link State

This type of routing protocol requires that each router maintain a partial map of the network. The link state algorithm is also know as Dijkstra's algorithm.

IGRP

IGRP is a type of distance vector routing protocol invented by cisco used to exchange routing data in a autonomous system. Distance vector protocols measure distances and compare routes. Routers that use distance vector must send all or a portion of their routing table in a routing update message at regular intervals to each neighbor router.

Addressing and Routing

What does routing mean?

Routing is the process of deciding how to move packets from one network to another.
The directions also known as routes can be learned by a router using a routing protocol then the information is passed from router to router along the route of the destination.

IP Address's

Every machine connected to the internet is assigned an IP address. An example of an IP address would be 192.168.0.1. IP addresses are displayed in decimal format to make it easier for humans to understand but computers communicate in binary form. The four numbers that separate an IP address are called Octets. Each position consists of eight bits. When added to together you get 32 ​​bit address. The purpose of each octet in an IP address is to create classes of IP addresses that can be assigned within a network. There are three main classes that we deal with Class A, B and C. The octets of an IP address are split into two parts Network and Host. In a class A address the first octet is the network portion, this determinates which network the computer belongs to, the last octets of the address are the hosts that belong to the network.

Sub netting

Sub netting allows you to create multiple networks within a class A, B or C address. The subnet address is the address used by your LAN. In a Class C network address you would have a subnet mask of 255.255.255.0. A subnet mask identifies which portion is network and which is host. For example 192.168.6.15 the first octet three octets are the Network address and the last octet being the host (Workstation). It is important to subnet a network because gateways need to forward packets to other LANS. By giving each NIC on the gateway an IP address and a Subnet mask it allows the gateways to route packets from LAN to LAN. Once the packet arrives at its destination, the gateway then uses the bits of the subnet portion of the IP address to decide which LAN to send the packets.

Circuit Switched Leased Lines

A circuit switched network is one that establishes a dedicated circuit (or channel) between nodes and terminals before the users may communicate. Here are some terminologies associated with a Circuit switched network.

Frame relay is a telecommunication service designed for cost-efficient data transmission between local area networks (LANs)

Basic rate interference is a service used by small business for internet connectivity. An ISDN BRI provides two 64 Kbps digital channels to the user.
Primary rate interface (PRI) is a telecommunications standard for carrying voice and data transmissions between two locations
All data and voice channels are ISDN and operate at 64kbit / s

Packet Switching

Http://www.raduniversity.com/networks/2004/PacketSwitching/main.htm – _Toc80455261

Packet switching refers to protocols in which messages are broken up into small packets before they are sent. Each packet is then transmitted over the Internet. At the destination the packages are reassembled into the original message. Packet switching main difference from Circuit Switching is that that the communication lines are not dedicated to passing messages from the source to the destination. In Packet Switching, different messages can use the same network resources within the same time period.

Http://en.wikipedia.org/wiki/Asynchronous_Transfer_Mode

Asynchronous Transfer Mode (ATM) is a cell relay, packet switching network and protocolwhich encodes data into small fixed-sized cells.

ISDN is used to carry voice, data, video and images across a telephone network. ISDN stands for integrated services Digital Network. Isdn also provides users with a 128kbps bandwidth. This is done through frame relay. Frame relay complements and provides a service between ISDN, which offers bandwidth at 128 Kbps and Asynchronous Transfer Mode which operates in somewhat similar fashion to frame relay but at speeds from 155.520 Mbps or 622.080 Mbps. Frame relay is based on the older X.25 packet switching technology and is used to transmit analogue signals such as telephone conversations.

PSDN stands for packet switched data network and is a data communication network. Packet switched networks do not establish a physical communication signal like the public telephone circuit (circuit switched network) Packets are sent on a fixed length basis and assigned with a source and a destination address. The packages then explicitly on the routers to read the address and route the packets through the network.

Mobile and Broadband Services

Digital Subscriber Line (DSL) is mainly used to bring high bandwidth connections to homes and small business's over a copper wire telephone line. This is can only be achieved if you stay within the range of the telephone exchange. DSL offers download rates of up to 6mbps allowing continuous transmission of video, audio and 3D effects. DSL is set to replace ISDN and compete with the cable modem in providing multimedia to homes. DSL works by connecting your telephone line to the telephone office over copper wires that are twisted together.

Asymmetric Digital Subscribers Line is most commonly used for home users. It provides a high download speed but a lower upload speed. Using ADSL, up to 6.1 megabits per second of data can be sent downstream and up to 640 Kbps upstream.

Http://en.wikipedia.org/wiki/Symmetric_Digital_Subscriber_Line

Symmetric Digital Subscriber Line is a digital subcriber line which runs over one pair of copper wires. The main difference between ADSL and SDSL is the difference in upload and download speeds. SDSL allows the same upstream data rate and downstream data rate as ADSL upstream can be very slow.

[Http://searchnetworking.techtarget.com/sDefinition/0],,sid7_gci558545,00.html

HDSL High bit-rate Digital Subscriber Line, one of the earliest forms of DSL, is used for wideband digital transmission within a corporate site and between the telephone company and a customer. The main characteristic of HDSL is that that provides equal bandwidth in both directions.

IDSL is a system in which data is transmitted at 128 Kbps on a regular copper telephone line from a user to a destination using digital transmission.

The Local Loop enables operators to connect directly to the consumer via copper local loops and then add their own equipment to offer broadband and other services. This process involves operators accessing local exchange buildings to connect to a network of copper lines which connect them to homes and businesses. BT is an Example of a Local Exchange. The local loop connecting the telephone exchange to most subscribers is capable of carrying frequencies well beyond the 3.4 kHz upper limit.

Benefits of using DSL

DSL can provide a virtual instantaneous transmission of voice, data and video over ordinary copper phone lines. A DSL connection can eliminate delays while waiting to download information and graphics from the Internet. It provides users with a cost effective high speed Internet connection. Another benefit is that a DSL connection is always on-line (like a LAN connection) with no waiting time for dialing or connecting.

There are now more than 10 million broadband connections in the UK. By December 2005 there were 9.792 million broadband connections in the UK and the average broadband take up rate during the three months to December was more than 70,000 per week.

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Advantages and Disadvantages of Professional Shopping Cart Software

Advantages & Disadvantages of professional shopping cart software As e-Commerce is becoming a regular technique in the business industry it appears that more and more software development firms are developing professional shopping cart software to be released in the market. There is currently a huge range of free shopping cart software that has been released, and it seems that most e-Commerce website owners prefer these free systems over paid for professional shopping cart software. In this article we are going to look at the advantages and disadvantages of professional shopping cart software.

Advantages

• Even though you will have to pay for the solution, you get a cart package that has been fully developed, tested and used in the real working world by other e-Commerce websites. If the solution is used by a popular website service then the chances are it has been under more than enough testing to be deemed ready for use.

• Professional shopping cart software will be supported by the people who developed it. A lot of free solutions out there are simply developed and then discontinued as the freelance developers move onto their next project. Support is essential if you are going to want upgrades as mentioned in our next point.

• As the system is supported, the development team are likely to fix any bugs that may occur and provide patches and security fixes. This means the shopping cart software will only get better as time goes on and furthermore improve your e-Commerce website.

• Your site is likely to be more secure when using a professional software solution as in most cases the it developed house private content management systems. This improves security as public content management systems such as WordPress are constantly under threat from hackers as they try to compromise the free source code.

• Another huge advantage of using professionally developed software in e-Commerce is that they will already support a huge range of different payment options for your customers. There are various carts – that only offer PayPal for payment by standard, and it can take a very long time to find plug-ins or figure out how to add other methods yourself. With professional software you can save time and possibly money as it is all included.

Disadvantages

• Your e-Commerce venture might be a small time project and professional cart does cost money which you may not have. In this case you may have to make do with a free shopping cart solution. The good part of conducting business online is that after you have made profit with the free system you can reinvest your money to buy a professional package.

• You trust the developers to do everything they promise to ensure the best experience. It might be slightly difficult to use at first and you might have to spend some time getting used to the bespoke system. You also have to understand that you are vulnerable until patches are made if a security flaw is found.

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Advantages and Disadvantages of Professional Shopping Cart Software

Advantages & Disadvantages of professional shopping cart software As e-Commerce is becoming a regular technique in the business industry it appears that more and more software development firms are developing professional shopping cart software to be released in the market. There is currently a huge range of free shopping cart software that has been released, and it seems that most e-Commerce website owners prefer these free systems over paid for professional shopping cart software. In this article we are going to look at the advantages and disadvantages of professional shopping cart software.

Advantages

• Even though you will have to pay for the solution, you get a cart package that has been fully developed, tested and used in the real working world by other e-Commerce websites. If the solution is used by a popular website service then the chances are it has been under more than enough testing to be deemed ready for use.

• Professional shopping cart software will be supported by the people who developed it. A lot of free solutions out there are simply developed and then discontinued as the freelance developers move onto their next project. Support is essential if you are going to want upgrades as mentioned in our next point.

• As the system is supported, the development team are likely to fix any bugs that may occur and provide patches and security fixes. This means the shopping cart software will only get better as time goes on and furthermore improve your e-Commerce website.

• Your site is likely to be more secure when using a professional software solution as in most cases the it developed house private content management systems. This improves security as public content management systems such as WordPress are constantly under threat from hackers as they try to compromise the free source code.

• Another huge advantage of using professionally developed software in e-Commerce is that they will already support a huge range of different payment options for your customers. There are various carts – that only offer PayPal for payment by standard, and it can take a very long time to find plug-ins or figure out how to add other methods yourself. With professional software you can save time and possibly money as it is all included.

Disadvantages

• Your e-Commerce venture might be a small time project and professional cart does cost money which you may not have. In this case you may have to make do with a free shopping cart solution. The good part of conducting business online is that after you have made profit with the free system you can reinvest your money to buy a professional package.

• You trust the developers to do everything they promise to ensure the best experience. It might be slightly difficult to use at first and you might have to spend some time getting used to the bespoke system. You also have to understand that you are vulnerable until patches are made if a security flaw is found.

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How Car Mechanics Use Technology

Do you know why it’s important to find a good mechanic or a good repair shop to repair your car? The reason: it could save you hundreds of dollars in parts and labor! When we say a “good mechanic” or a “good repair shop”, we’re referring to mechanics who are equipped with the latest technology. You don’t want to entrust your car to a shop with outdated machinery and equipment because it will take longer to arrive at a diagnosis. And the longer a mechanic takes to make a diagnosis, the larger your bill for labor!

Remember that car mechanics charge by the hour.

Car repairs can cover any one or a combination of the following (note that this is not a complete repair list).

• Air conditioning checks

• Air bag checks

• Electrical wiring

• Cables

• Clutch service and repair

• Transmission repair

• Wheel Alignment

• Suspension

• Brakes

• Heating system

• Oil and lubrication

• Battery

• Power windows

Much of the troubleshooting that mechanics use to diagnose a problem is facilitated by car repair technology.

Ever noticed how some lights on your panel come on when something’s wrong? In most cases, an experienced mechanic will know immediately what the problem is, but there are instances where it will take sophisticated technology to lead to an accurate diagnosis.

Sophisticated technology comes in many forms and one popular one is troubleshooting software. Companies like Auto Tech have a software program that car owners can use to find out what is ailing their vehicle.

Most car owners who were cynical about software programs before should seriously consider purchasing a reliable car troubleshooting software program. For instance, some programs start out by asking you to input your car make and model number, the year of the car and what kinds of equipment it has. The software features a large database of information about all cars in the market and a car owner simply follows the steps when prompted. It employs what the industry calls a “tree diagnosis” where logical steps take you through the entire diagnosis process.

After you’ve keyed in your car’s profile, you use the drop down menu to choose the symptoms that your car is exhibiting. For instance, if you choose “squealing brakes”, the program mimics the squealing of brakes and if that’s the sound you hear, you confirm it and the program recommends a series of steps.

You may not really want to use a troubleshooting software, but imagine how much time and money you could save if you spoke to the mechanic intelligently, letting him know that you’re in the know.

Students who are studying towards certification buy certain tools of the trade. A couple of examples are Snap On and Mac Tools. These two are the most popular in the United States and Canada.

Mechanics now have a wide range of technology tools to help them understand car problems better: digital multimeters (electronic measuring), boroscopes (testing heat exchangers), fuel diagnostic testers (testing and balancing fuel injectors) and other such new technologies.

New car mechanic technologies help shorten the learning curve and speed up diagnosis so that the car owner isn’t saddled with too many labor hours.

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Microsoft Access and Medical Private Practice

For physicians medical office software installation could be nerve-wracking, not because they want to avoid electronic medical records, but because the majority of the software packages are too complicated and very expensive for them.

The good news is, you can make your medical office software system uncomplicated and relatively easily maintained with one of the popular database software packages being used today, the Microsoft Access.

Microsoft Access is a relational database system developed by Microsoft. Microsoft Access is one of the easiest and most flexible database management solutions for the medical office and provides data validation and user-friendly features on data entry screens. It has been the dominant lightweight database system used for the last decade and has continued to grow with additional features. Access is a productive and very customizable solution for small medical practices and comes with MS Office (or standalone). However the next step up in a medical environment would be MS SQL Server but small medical offices usually only has need of a lightweight application and the added functionality with MS SQL Server, comes with a heavy price.

With this relational database system you can be up and running in one hour, which means that it is not necessary for your practice to spend lot of money to purchase, configure, update and maintain an SQL Server solution. Microsoft Access includes without any additional costs, points of integration with popular software packages including: Microsoft Word, Excel & Outlook and provides a free runtime version.

MS Access network setup is very easy. A medical office with 2-8 users is up and running within ten minutes, while installation and application maintenance is extremely simple. Virtually any user with a basic knowledge of Microsoft Access can handle all maintenance procedures without the assistance of IT personnel.

Keep also in mind that SQL Server is the flagship database system from Microsoft and it is suitable for use in environments with up to thousands of users. Microsoft Access can handle 2- 8 users and it is limited to 2 GB data storage.

We are convinced that the best way for private medical offices around the world to enter the world of electronic medical records is to purchase a professionally designed but inexpensive and affordable Microsoft Access based software solution.

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Application Software in Business Activities

Business is any activity undertaken by an individual or a group of person with an intention to make profits. A business engages in various activities like planning of resource, scheduling of activities, coordinating and other managerial activities. All these have to be completed in time in order to generate maximum profit in the production. Prospective entrepreneurs should adhere to these objectives.

Much of business time is put waste when it handles its tasks through the use manual system. This necessitates to the use of the software, an automated means which is efficient-oriented. Examples of the software in business application include the Decision Support System, Transaction Processing system and Management Information System. They can be largely used in resource planning where an enterprise defines way to achievement.

Collaborative resource planning software provides the business people with adequate and reliable information. Marketing information and bureaucracy of the enterprise is unambiguous. Previous methods that contributed to the failures can be fully noted. This enables the enterprise to opt to use other successful means in use elsewhere. An efficient resource planning software helps you to generate and retrieve information about resource allocation in form of detailed niche reports. As a result, time as a resource is much conserved and can be used in other productive areas.

Boundaries are clearing defined by the software. The business is expected to work towards the laid limits by the legal authority, operational, technical, economic and social feasibility. Beyond the predetermined extents, no productive operation can be encountered.

Scheduling of activities is best in practice via use of the software. The order and the way in which operation is accurately developed by use of the program, this results into application of qualitative business techniques, where there is matching of skills and jobs to done. The enterprise standards of performance are maintained. Cases of underemployment or over employment are eradicated. In turn, employees’ are encouraged to exercise creativity and innovation in right of their propelling positions, and hence works towards achievement of objectives of the business.

Planning software makes efficient forecasting of resources. Unknown future is determined prior. Situations like inflation, competition increases government provision of subsidies and technological changes can be adequately known. The fallout is to relay strategies to deal with upcoming challenging matters.

Top echelons (management) benefits significantly in software application. Executives’ unstructured decisions are accurately established. They rapidly derive information from the software. For example, decisions on where to establish a new firm or a branch, whether there is funds to finance multiple projects.

Management need to store information in reliable source (in software). This is used for swift evaluation of business performance. They can decide to reward the best performing employees based on the results retrieved from the software. This motivates employees to work zeal and confidence. Their individuals objectives are harmonized to entire business objectives.

Managers use software to control the progress of activities. Those deviating from the predetermined plans can be precisely noted. Management can also rely on software for marketing of its products. Research on business competition like advertisement and efficient market penetration means is done in detail.

In conclusion, software suitable for effective planning of the business operations, scheduling of activities and other managerial activities. Without use of software, a business is considered to be running behind technology and operating at obsolete level.

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How to Repair DBF Files by Using DBF Recovery Software

As a computer user you must have heard about a DBF file or some of you have used it. DBF is a database file format used by various database software programs, such as: Visual FoxPro, Clipper, dbFast, CodeBase, MultiBase, dbXL, Arago and similar database programs. A database file is a collection of data organized in a tabular form. A DBF file can be easily opened, edited and saved by any of these database programs therefore, this file format is very popular among computer users.

The most common use of a database file is to store a large amount of data and information. The file is widely used in almost every sector, such as: corporate and educational sectors to store the data and information. It has become an essential file format for an individual and an organization.

Where this file format is very useful for users on the other hand, it may create some serious problems as well. Sometimes a DBF file may become inaccessible or invalid due to corruption. DBF is not immune to corruption; in fact, this file format is prone to corruption due to its large size and complex file structure. It might be easily corrupted due to various reasons, such as: virus attacks, malfunction in database application, hard disk drive failure, software collision, unexpected cancellation of DBF, human errors and many more. These are some common reasons which can play an important role in database file corruption.

While opening a corrupt DBF file you may receive some error messages something like these:

  • “File .dbf does not exist”.
  • “The fields in table did not match the entries in the database”.
  • “Access to table disabled due to previous error”.
  • “Database file appears corrupt: Page is of wrong type.
  • “Corrupt table”/ “index header”.
  • “Filename .dbf has become corrupted”.

These are some common errors which frequently take place at the time of corruption. For example: you are working on your DBF file, everything is fine. But all of a sudden your database application (Visual FoxPro or other) starts hanging. You have no other option other than restarting the system. But when you restart your system and open the same DBF file, in which you were working earlier, it does not open or you get an error message saying the file is corrupted or damaged. This must be very frustrating situation for any user since all the hard work will go into the vain. All the data and information stored in the file might be lost forever. You have to re-create the file, which might not be possible in some cases.

In such critical state a BKF file will definitely help you. If you have backed up the database file (which is now corrupted), then you can easily restore it from the BKF file. But sometimes the BKF file may not be available or corrupted or invalid. In this situation you can use third-party DBF recovery software. This is one of the most efficient and effective solutions to fix corrupt DBF files. The DBF recovery software is designed to repair an extremely corrupted DBF file and to restore maximum data from it. It is highly capable to resolve or fix all the errors from corrupted DBF files. The software supports all popular database applications, such as: dBase III, dBase IV, dBase V, Visual FoxPro, Clipper, dBFast, CodeBase, MultiBase, dBXL and Arago. The best feature of the software is its self-describing user interface. It requires no technical knowledge or skills to use this software. Any tech savvy and a novice user can easily and comfortably use this software to repair corrupted DBF files. The DBF Recovery software is available with free demo version. Users can download the demo version before buying the full software. This helps users to examine the features and performance.

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Medical Coding History – From Paper to Medial Coding Software

If we define medical coding as the assignment of alphanumerical characters to diagnoses, diseases, and treatments, then medical coding has been traced back to the 1600s in England with the London Bills of Mortality. A more standardized system of coding was developed for classifying death at the tail end of the 19th century. In 1893, Jacque Bertillon, a statistician, created the Bertillon Classification of Causes of Death, a system which was eventually adopted by 26 countries at the beginning of the 20th century. Shortly after the Bertillon Classification system was implemented, people began discussing the possibility of expanding the system beyond mortality as a way of tracking diseases.

By the middle of the 20th century, the World Health Organization (WHO) adopted a goal of a single global classification system for disease and mortality, entitled the International Classification of Diseases, Injuries, and Causes of Death (ICD). This classification system is updated every 10 years. The latest revision, ICD-10, is scheduled for adoption in the United States in 2013.

What started out as a small set of medical codes has evolved into a complex system that was initially standardized by the American Medical Association back in 1966 with current procedure codes (CPT) codes that are updated annually.

In the late 1970s, the Healthcare Common Procedure Coding System (HCPCS) was developed based on CPT. HCPCS has three levels of codes: Level One is the original CPT system. Level Two codes are alphanumeric and include non-physician services such as ambulances and other transportation as well as patient devices such as prosthetic devices. Level Three codes were developed as local codes, and were discontinued in 2003 in order to keep all codes relevant worldwide.

Recently, medical coding systems have been expanded to include other medical specialties. For example, there are coding systems related to disabilities, the dental field, prescription drugs, and mental health.

As the coding systems have become more complex and diverse, the need for training of medical coders has grown exponentially. Private training schools and public colleges throughout the country have developed certification programs. In order to be awarded a certificate, students must obtain a two-year degree from an accredited medical coding school and pass an exam given by the AHIMA.

Over the past 20 years, many coding processes have shifted from a paper-based system to a computer-based system using medical coding software and medical billing software. Many companies sell complete medical software-based coding solutions and myriad of products for specific medical disciplines, such as products that are specifically tailored to skilled nursing facilities, physicians, hospitals, surgery, cardiology, and more.

As medical facilities and professionals begin preparing for the conversion to ICD-10 in 2013, the need for more sophisticated medical coding software solutions and qualified medical coders will continue to grow.

CPT is a registered trademark of the American Medical Association.

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Texas Two Step Strategy – Everything You Need to Know

The Texas Two Step lottery is a great example of a game that is both strategic and fun. The state lottery is an excellent arena for you to shell out your extra dollars while learning about alternative lotto mechanics. In the state of Texas, the Texas Two Step is considered to be the most popular form of lottery. The game beings when an individual is asked to pick four number from and in between 1 to 35. Like most lotto types, this also has a bonus ball number, which can increase your chances of winning. The grand price for this unique game does not go below two hundred thousand dollars so long as you make five matches. If you are also quite hesitant to pick your own number, the quick pick system also applies to the Texas Two Step lottery. A multi-draw feature also allows you to bet for ten advance drawings at once by simply making a distinguishable mark in the designated ticket boxes. Single plays cost only US$1 each and can reflect winnings up to a hundred thousand dollars.

Most lottery systems base on luck as foundation for winning. Unfortunately, even with the convenience of quick picks and other strategies, chances of winning are still small. One effective way to increase the chances of gaining back positive results from your chosen number is by adhering to the Wheeling Systems. Generally, wheeling systems do not guarantee an automatic win after placing your number picks in the Texas Two Step. However, the mechanism gives you more chances of bringing home multiple tier prizes as opposed to you simply randomly selecting the number, or relying on quick picks. The odds of winning the Texas Two Step prize are statistically ranging from 1 to 32. The overall ratio of victory can be quite unsatisfactory if played with mere dependence on luck. Although you can win $5 for simply matching the bonus ball number, naturally, anyone would still want to vie for the grand prize.

There are also a handful of lotto software that provide good combination numbers for players. Most people confirm the effectiveness of most online programs in tracking the best numeral combinations for lottery. You may program these to suit your needs and according to the type of lottery that you participate in. For Texas Two Step, it is much easier to use a software to calculate possible combinations as it has lesser selections or numbers compared to most lotto games.

For serious lotto players, individuals simply log onto the website and place their bets randomly. Sites also offer a few tips and strategies on how to best employ their gaming techniques. You may be able to view advices on when is the best time to place your bets and how to purchase your tickets quickly. Other websites also present lottery news, which is also an effective way to keep track of your bets. Bear in mind that in order for a player to achieve positive results while playing lotto, the correct strategy and technique must put in place so as to lead you to triumph and victory.

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