Camcare Antioch Health Center – Camden, NJ, 08104 #antioch #health #center, #camcare #antioch #health #center


Sliding Scale and Free Clinics

Camcare Antioch Health Center

Camden, NJ – 08104

This clinic operates under a SLIDING SCALE model. This means that it MAY NOT be free depending on your income. You will be required to prove financial need in order to recieve free services or services at a reduced cost. This is a health care center funded by the federal government. This means even if you have no insurance you can be covered. The center is also income based for those making an income. This health center can cover services such as checkups, treatment, pregnancy care (where applicable), immunizations and child care (where applicable), prescription medicine and mental and substance abuse where applicable. Contact them at the number provided for full details. Camcare Antioch Health Center is a Community Health Center. In order to get more information on this clinic, click on the icons below. You may be required to join for free in order to access full contact information.

About Camcare Antioch Health Center

OUR SERVICES INCLUDE: Community Programs, Pediatrics, Obstetrics and Gynecology, Internal Medicine, Dental, Podiatry

WE PROVIDE: Evening and Weekend Hours, 24 Hours / 7 Days a Week Coverage, Bilingual Staff Available at All Times, TB Screening, Arthritis Specialist, Social Work and Counseling Services, Social Work Intervention and Referral, Nutritionist Services, Medicaid Eligibility Worker, Financial Screening, Patient Education, Case Management, On-Site Laboratory Services, Specialty Referrals, Assistance for Shelter and Food, FREE transportation for prenatal patients and for patients with special situations

PAYMENT: At CAMcare your health care comes first, regardless of your ability to pay! No one is denied care based on their inability to pay. If you are uninsured or unemployed, CAMcare offers medical care at discounted rates, based on eligibility.

Health Care Center

Federal Healthcare This is a health care center funded by the federal government. This means even if you have no insurance you can be covered. The center is also income based for those making an income. This health center can cover services such as checkups, treatment, pregnancy care (where applicable), immunizations and child care (where applicable), prescription medicine and mental and substance abuse where applicable. Contact them at the number provided for full details. Community Health Camcare Antioch Health Center is a Community Health Center.

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Attention We cannot guarantee the clinic costs to be completely accurate. Costs are displayed for informational purposes for our users. We have compiled prices provided by users and online research. In order to obtain actual costs please contact Camcare Antioch Health Center directly.

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Personal Injury Attorney #personal #injury #lawyers #harrisburg #pa


Serious About Service. Serious About Results.

With a statewide reputation as one of central Pennsylvania’s leading personal injury law firms, Shollenberger Januzzi Wolfe combines trial experience, legal knowledge and a solid commitment to client service to achieve outstanding results for our clients. With offices in Harrisburg and Enola, we represent injured and disabled people throughout central Pennsylvania.

Attorney Karl Januzzi has been certified as a specialist in the practice of workers’ compensation law by the Pennsylvania Bar Association Section on Workers’ Compensation Law as authorized by the Pennsylvania Supreme Court. Read the certification letter here .

Our lawyers balance an aggressive litigation stance with careful attention to detail in car accident, workers’ compensation, medical malpractice, disability claims and other types of injury cases. While no lawyer can guarantee a specific result, we have achieved dozens of six-figure settlements and several over $1 million.

While our attorneys sometimes establish our clients’ rights to compensation through trial, we work hard to accomplish your litigation goals through negotiation backed up by our courtroom skills.

We Fight For The Good Guys In Harrisburg And Central Pennsylvania

At Shollenberger Januzzi Wolfe, we never forget that we are working for you. We never represent insurance companies or big businesses. We get involved in the lives of our clients and are always ready to help with the practical problems they may face after a serious accident. We charge no fees unless we are able to secure compensation for you.

Founding partner Timothy Shollenberger has practiced law since 1981 and is a past president of the Pennsylvania Trial Lawyers Association, now known as the Pennsylvania Association for Justice. He is also a recognized authority on Pennsylvania auto insurance law and other aspects of personal injury practice.

Karl Januzzi has earned a reputation as one of central Pennsylvania’s outstanding attorneys in workers’ compensation cases. He also has extensive experience in automobile accident and wrongful death cases.

Adam Wolfe has been selected for inclusion in Super Lawyers*, a Thomson Reuters company, and as a Rising Star in Philadelphia Magazine. The Rising Star distinction is awarded to only 2.5 percent of all Pennsylvania lawyers each year.

Put Our Experience And Tenacity On Your Side

For dependable advice about your legal options after an accident, call 717-260-3549 for a free consultation .

* Super Lawyers is a rating service of outstanding lawyers from more than 70 practice areas who have attained a high-degree of peer recognition and professional achievement.

Can I Become a Social Worker With a Sociology Degree? Social Work Degree Guide #what #can #you #do #with #a #social #work #degree


Can I Become a Social Worker With a Sociology Degree?

Becoming a social worker involves getting a formal education in the correct field. If you are interested in serving people by offering counseling, education, or therapy to your clients, then you may be a great candidate for social work. The steps that you must take to go from someone who is interested in the field to a professional who works in the field can be time-consuming. This is why it is crucial that you know just what the requirements are to enter the field and which path is most direct. If you have begun to student sociology, you might be wondering if the sociology degree that you are pursuing will suffice. Read on, and find out what types of degrees will prepare you for a career in social work.

What Can You Do With a Degree in Sociology?

Sociology students have a lot of options following graduation. Once you have earned a BA or a BS in Sociology, you will be prepared to enter the work force or for an advanced degree program. If you decide to enter the work force immediately following your graduation, you will be able to apply for an accept positions that fall within the discipline and even fall outside of the discipline in both the education and the business sectors.

Some examples of opportunities outside of the discipline include: consumer relations specialist, public relations manager, recruiter, admissions counselor, corrections officer, rehabilitation counselor and more. If you are would like to stay in the discipline of social work, there are a bunch of titles that you can pursue with your degree. Just some of the many different types of social work positions you will be qualified for with your degree include: caseworker, case manager, community aide, family planning worker, find raising director, housing coordinator, substance abuse counselor, youth outreach worker, public assistance worker, and rehabilitation counselor.

How Do You Become a Social Worker?

Earning your Bachelor s degree in Sociology is the first step to working in the field. The reason that this is a good major to choose is because you cover several different subject areas like principles of sociology, sociology of business, urban sociology, social deviance, race and ethnicity, statistical analysis and more.

In most states, becoming a social worker involves possessing a professional license. If you are not sure where to start obtaining your social work license, you will need to learn about the requirements. In some states, a Bachelor s degree will satisfy the educational requirements. All states where a social work license is required will offer licensure to alumni who have graduated from accredited and relevant Master s degree programs. This is why you should always verify that a school is accredited by the Council on Social Work Education before you apply or enroll with the goal of getting licensed.

Social work is a very large field that encompasses several different types of opportunities where you can work with all types of different clients within your community. According to the Bureau of Labor Statistics, the need for social workers is projected to grow by 19% by 2022. This is a fast rate of growth because of the increased demand for social and health services in the country. Now is the time to start studying for your future. Choose a sociology program and you can truly work towards becoming a social worker.

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Best Bakersfield, CA DUI-DWI Attorneys #bakersfield #dui #attorney


Top Rated DUI-DWI Lawyers in Bakersfield, CA


Find a top rated attorney who has comprehensive knowledge of DUI/DWI laws in your state.

Driving under the influence (DUI) is the crime of operating a vehicle while impaired by alcohol or mind altering drugs, including prescriptions.

Laws may also apply to the operation of farm equipment, heavy machinery, or bicycles.

Legal limits for Blood Alcohol Content (BAC), and other legal nuances, differ by state.

Navigating the legal system, while protecting your rights, often requires the skill and expertise of an attorney.

Super Lawyers offers a free, comprehensive directory of accredited DUI/DWI attorneys who ve attained a high-degree of peer recognition and professional achievement in their field.

Avoid common pitfalls and make informed decisions.

Use Super Lawyers to hire a local DUI/DWI lawyer today.

Are you searching for a top dui-dwi lawyer in Bakersfield, Southern California?

Through Super Lawyers directory, we index attorneys who practice quality and excellence in their work. It is easy to browse dui-dwi attorney listings in your immediate area, search for a specific individual referred by a friend, or start narrowing your search by practice area.

Did you find individuals who interest you? Learn more by exploring their profiles. There you will find a dui-dwi attorney’s contact, education, and biographical information to supplement your research. Where possible, our profiles will also include links to a dui-dwi lawyer’s personal biography, firm website, and other relevant information to consider.

Are you ready to take action? Our profile’s contact form is simple to use and makes it easy to connect with a Bakersfield, Southern California lawyer and seek legal advice.

Super Lawyers Rating System

Super Lawyers is a research-driven, peer-influenced rating service of outstanding lawyers who have attained a high degree of professional achievement and peer recognition. The patented selection process combines peer nominations, independent research evaluations and peer evaluations by practice area. Each year no more than 5 percent of the attorneys in the state are selected for the Super Lawyers list, and no more than 2.5 percent for the Rising Stars list.

About Super Lawyers

Super Lawyers is a rating service of outstanding lawyers from more than 70 practice areas who have attained a high-degree of peer recognition and professional achievement. This selection process includes independent research, peer nominations and peer evaluations. Learn More »

Liberty Preparatory Christian Academy #lake #norman #christian, #school, #christian #school, #christian #academy, #private #christian #school, #private #school #lake #norman


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    Liberty Preparatory Christian Academy is a unique University-Model School which brings together the best attributes of traditional public school, private school, and homeschool and integrates them into one model. By using a university-style course schedule, students receive professional instruction on M/T/TH and work independently under a parent s guidance on W/F. The immediate goal is a quality, cost-effective, college preparatory education, set in a Christian school environment. We teach students how to think critically by being based on the classical methods of learning. Liberty Prep is one of the few private, Christian preparatory schools in the region and the only private Christian school in Mooresville.

    Liberty Prep is Kindergarten – 12th grade with a thriving elementary, Middle School, and High School. Liberty Prep Christian Academy is truly a Lake Norman Christian School serving Mooresville, Davidson, Cornelius, Huntersville, Denver, Statesville and Charlotte.

    This Is What – s Going On Beneath the Subprime Auto-Loan Turmoil #best #car #finance

    #subprime car finance


    This Is What’s Going On Beneath the Subprime Auto-Loan Turmoil

    Never underestimate the creativity of business people in need of new business and investors in need of something in which to invest.

    After the financial crisis decimated the market for bundled home loans that weren’t backed by the U.S. government, bankers and lenders seized on a host of alternative assets that could be sliced and diced and served up to investors. Sales of commercial mortgage-backed securities (CMBS), along with collateralized loan obligations (CLOs) consisting of loans made to junk-rated companies, subsequently surged past their precrisis highs. Bonds backed by auto loans made to riskier borrowers also proved to be a sweet spot for yield-seeking investors and the companies and bankers that sold such debt to them. People might walk away from their homes, so the bull case went. but in the driving culture that is America, very few would ever willingly choose to fall behind on their car payments.

    This state of affairs encouraged new lenders to pile into the subprime auto lending space, including Exeter Finance Corp. and Skopos Financial. Skopos hit the headlines last year for peddling two deep subprime bond deals featuring ultralow credit scores and sometimes no credit scores at all. The concern has been that such upstarts, often backed by private equity firms, will lower their underwriting standards as they fight for market share in an effort to produce relatively quick returns.

    Last week it appeared the chickens had come home to roost for some subprime auto lenders and investors, with Fitch Ratings warning that delinquencies in subprime car loans had reached a high not seen since October 1996. The number of borrowers who were more than 60 days late on their car bills in February rose 11.6 percent from the same period a year ago, bringing the delinquency rate to a total 5.16 percent, according to the credit rating company.

    The headline figure. however, conceals a wide disparity in delinquencies.

    Fresh data from JPMorgan Chase Co. show a dramatic bifurcation in the fortunes of issuers of U.S. subprime auto asset-backed securities (ABS). While overall delinquencies in JPMorgan’s subprime auto index have increased in recent months, much of the jump can be traced back to the new issuers crowding into the booming industry, the bank’s securitization analysts say.

    At issue is the influence of new lenders experiencing higher rates of late payments. The weights of AmeriCredit and Santander Consumer USA Holdings Inc. two stalwarts of the subprime auto lending industry, have fallen as new ABS programs have eaten up market share. The weighting of 11 issuers with the highest delinquencies (excluding some deals sold by Ally Financial, AmeriCredit, and Santander) has increased to 28 percent, exceeding Santander’s 25 percent share and far exceeding the mid- to single-digit share reported from 2011 to 2013.

    Delinquency rates for these newer issuers have often been higher relative to more established players. For example, the 60-day delinquency rate for subprime auto ABS deals sold by Exeter is almost 10 percent following 20 months of aging, compared with the 2.3 percent rate at more-established player AmeriCredit in the same period and vs. a high of 4.5 percent reached in 2000. New ABS programs launched by GO Financial and Skopos just last year, meanwhile, are already seeing delinquencies running into 6 percent at less than 12 months of so-called seasoning, according to JPMorgan.

    “The signs of competitive pressure from new entrants, such as Exeter, have been emerging over the past few years,” write JPMorgan analysts Amy Sze and Christiana Wong. “This portends even higher delinquencies ahead for the sector as a whole as the portfolios of the newer and weaker performing issuers (relative to historical AmeriCredit) season. This deterioration will also further be compounded as new entrants tend to seek higher growth and bigger market share versus established players.”

    Still, the analysts remain relatively sanguine over the fortunes of the subprime auto ABS market as a whole.

    “The delinquency trends at the issuer-level tell a more accurate story and suggest a much more benign outlook, in our view, for subprime auto lending and ABS investors,” write the JPMorgan analysts. “The deteriorating credit trends have been developing since 2011 and should not come as a surprise to auto ABS investors. Consumer lending is a cyclical business and new entrants and looser underwriting should be expected during an expansion.”

    They add, however, that “performance for newer issuers is harder to predict given the lack of historical performance data through a prior full economic cycle.”

    Here it is worth noting that the same dynamics that have drawn a host of new issuers into the business of subprime auto lending have also been at play across CMBS and CLO markets, too, with many new entrants jumping into their respective markets in recent years. It seems business interests, like business cycles, never really go away.

    Before it’s here, it’s on the Bloomberg Terminal. LEARN MORE

    Laptop finance deals #car #finance #brisbane

    #laptop finance deals


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    Glenside Finance Ltd #finance #a #laptop

    #subprime car finance


    Glenside Finance

    At Glenside Finance, we help those who have been declined car finance due to poor credit history, unstable employment, County Court Judgements, defaults or ex-bankruptcy.

    We do not credit score or use a computerised decision-making system; as we believe in treating our customers as individuals and not as a commodity. Each application is looked at personally by an experienced underwriter, who will provide a decision based on your unique circumstances.

    We have helped thousands of sub-prime customers in the past. Most of our customers are those who have found themselves with poor credit, often due to unforeseen circumstances, such as divorce, unemployment or rising living costs. We love to provide great service for our customers and we aim to be fair and transparent with our finance packages.

    You can choose to borrow from £2000 to £75,000. for finance on a vehicle of your choice from any reputably UK dealership. Or you can choose from our great selection of cars that we have in stock.

    Our online application form is easy and only takes a minute to complete. Get in touch today.

    Call us today: 01329 849434

    Build and Price #what #is #finance

    #ford finance calculator


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    More Warning Signs in Subprime Car-Loan Market – MoneyBeat #paragon #personal #finance

    #subprime car finance


    More Warning Signs in Subprime Car-Loan Market

    Apr 7, 2016 11:00 am ET

    Small lenders are leading the increase in subprime auto bond issuance and are also the main driver of losses, according to a new report.

    Just over 70% of subprime car securitizations that occurred in 2015 were loans originated by small lenders—a reversal in trend since 2010 when the two largest subprime securitizers, Santander Consumer USA Holdings and AmeriCredit, held roughly that share, according to credit-ratings firm Moody’s Investors Service. Many of these smaller companies are lending to borrowers with the lowest credit scores, which is leading to rising losses for loans that are underlying the bonds, according to the firm.

    “With the more recent transactions, the cumulative losses have been getting higher each year—it’s indicative of the fact that…performance has been weakening,” said Peter McNally, senior analyst at Moody’s Investors Service.

    As of January, lenders were unable to recover an annualized average 11.2% of securitized subprime loan balances from borrowers who stopped repaying, up from 8.8% a year prior and 7.8% two years prior, according to Moody’s.

    As more borrowers fall behind on loan payments, Moody’s has been increasing the net losses it expects for these loans. Its report says the firm raised the share of loan dollars securitized by subprime lender Consumer Portfolio Services that are unlikely to be repaid or recovered by the lender to an average of 16.2% from 14.1%. Moody’s also made a small change for the loan dollars securitized by CarFinance Capital, another subprime auto lender, to 12%, up from 11.5%.

    “What we’re seeing here in 2014 and 2015 is the return to normal levels of losses that we’d expect our company and the industry to perform at,” said Jeffrey Fritz, chief financial officer at Consumer Portfolio Services. CarFinance Capital didn’t respond to a request for comment.

    More In Banks

    Many small subprime lenders have little name recognition and their loans are primarily given to car buyers at dealerships.

    The lenders tend to specialize in what is described as deep subprime, which Moody’s says are borrowers who have FICO scores that are often 550 or lower, on a scale that ranges from 300 to 850. Generally borrowers with such low scores routinely fall behind on their loan payments and often have other derogatory events on their credit reports, such as a foreclosure or bankruptcy.

    Auto lenders have been increasingly comfortable lowering credit standards. They gave out 6.1 million subprime auto loans in 2015, up 8% from a year prior and up 118% since they bottomed out in 2009, according to credit bureau Equifax. New subprime loans totaled $109.5 billion in 2015, the sixth consecutive annual increase, and up 11% from the year prior, according to Equifax.

    The credit bureau says its data suggest that the subprime market is performing well. Loans to subprime borrowers remain at around 22% of all car loans being given out—a mix that has remained fairly consisted for the last four years, according to Equifax.

    The subprime auto securitization market has grown rapidly in recent years. Most of these lenders rely on the secondary market to keep funding these loans. There were 44 subprime car securitizations last year, up 16% from a year prior and up 159% from 2010, according to Moody’s.

    Ultimately, this should slow loan growth, feeding through to weaker auto manufacturing (in fact this effect is already showing up in the most recent data). While nowhere near as large as the subprime mortgage crisis, the auto industry has been a rare strong point in a generally weak manufacturing picture. Weaker auto growth will be one more straw on the back of an economy already at stall speed.

    Autos loans and mortgages are two separate animals. No one values a car at twice its actual worth and then securitizes the loans for institutions to buy like occurred with the real estate bubble. The value of the paper is going to be inline with the actual value of the vehicle. The industry is secure because the cars can be repossessed quickly and sold at auction, mitigating losses without the ridiculous processes in place to “protect” homeowners who can’t pay their mortgages. Some of the investors may be a bit disappointed with the increased losses, but we’re talking wealthy investors and institutions able to take higher risks. This won’t impact any of us.