Frequently Asked Questions

genuine test is completed by running living Changer mortgage Interactive

genuine test is completed by running living Changer mortgage Interactive

Should a debtor put their idle resources to the existence Changer Loan

This is really a concern of math. Any resources not currently getting at a rate above the rates of their Life Changer Loan ought to be set in the loan for all the prominent interest savings advantage.

Exactly why is the life span Changer mortgage so capable of keeping interest

Given that it works like a bank checking account, cash positive consumers help save in four approaches. Initial, regular deposits, particularly income and short-term economy, drives down lives Changer Loan principal dollars.

Next, borrowers you shouldn’t spend-all of their money on living expenses on a single day. As an alternative, the majority of their particular deposited cash remains idle waiting to end up being invested for days, payday loans Piqua Ohio sometimes weeks. While profit delays are invested into the lifestyle Changer, it helps to keep their particular financing stability reduced, for longer. Interest is calculated nightly on decreased main stability which leads to le everyday interest.

Third, money normally allocated for a conventional month-to-month mortgage payment not should be invested. Those bucks become immediately regularly maintain the Life Changer mortgage balance even reduced.

And finally, supplemental income that simply wasn’t required included in the borrower’s routine budget furthermore remains in membership, helping to keep your stability reduced even for longer. The reduced main stability, in addition to the interest conserved, moves over into each newer thirty days as a reduced beginning loan balances, that has a compounding influence on interest economy.

Aren’t flexible rates debts more pricey and riskier than set rates mortgage loans

Interest price is more important than interest rate, therefore the longer a debtor is during loans more interest price they accumulate. Put simply, the longer a borrower continues to be with debt, the greater amount of high priced that loans turns out to be, of the lowest interest. A great illustration of this is certainly examine a , season repaired financing at interest and a , seasons repaired mortgage at interest the attention loan was le expensive by when it comes to , not forgetting pay-off earlier.

Just what hardware are available to evaluate debtor viability and their capacity to repay the mortgage

Consumers with fantastic payment record, positive monthly cash flow, and a decreased loans to income proportion make fantastic prospects for your Life Changer mortgage.

Determine a borrower’s capability to pay the mortgage, information take an old-fashioned strategy and call for the repayment accustomed qualify is dependant on mortgage within the totally indexed price thirty days treasury rates , amortized over a-year duration by the loan amount to evaluate quick and overall monetary benefit.

The real test is accomplished by running the Life Changer mortgage involved Simulator. Consumers are encouraged to go into incoming internet build up, outgoing personal debt repayments, and routine spending and also in an issue of times, can see and evaluate their potential benefit.

In the event the lifetime Changer Loan is not suitable, the involved Simulator could make that obvious.

What’s the primary benefit of the Life Changer mortgage

Even though it comes laden with qualities that give unmatched freedom, instance to homes assets money, the primary benefit the Life Changer financing supplies consumers could be the opportunity to cut 1000s of dollars in financial interest.

A lot of buyers just you should not recognize how much interest has a traditional home loan, and even more importantly, exactly how that cost can impede some other monetary needs.

Living Changer financing was developed to simply help consumers lessen her financial interest expenses, through the use of funds they already have, through an instrument they already know how to use, to save lots of interest. Saving interest implies creating extra cash left-over your more important facts in life.

What is Telemedicine?

Telemedicine is a service which allows health care professionals to evaluate, diagnose and treat patients using telecommunications technology.

Why should I use GoLiveDoc?

GoLiveDoc offers 24/7 medical consultations with board-certified doctors. You can use our platform from where you live, work or when you travel in the US. We also offer 24/7 behavioral health counseling for no additional fee. Health records are kept private and secure in order to protect your personal information.

How does GoLiveDoc Help?

GoLiveDoc gives you 24/7 access to board-certified doctors through secure online video or phone consultations – anytime, anywhere. GoLiveDoc is a low-cost, convenient alternativ e to Urgent Care visits or waiting several days to get an appointment with your Primary Care Physician for non- emergency medical conditions. Our doctors can diagnose your symptoms, recommend treatment […]

What happens after I complete the checkout process?

Once you have selected your plan and completed the checkout process, you will receive an email with your login credentials for the customer portal. You can use the customer portal to schedule appointments, update your electronic health records, see your consultation history or add dependents to your account.

How much does GoLiveDoc Cost?

The monthly membership fee ranges from $9.95 to $39.95 (depending on the plan you choose). The consultation fee is only $35. You can cancel your membership at any time for any reason.

If I have insurance, do I still need to pay the membership fee?

GoLiveDoc charges all members a small monthly fee.

How do I cancel my membership?

You can cancel your membership at any time for any reason. To cancel your membership, please call (888) 386-1037 or send an email to [email protected]

Does a patient have to meet with a provider in-person before a telemedicine consultation can be scheduled?

No, an in-person visit is not required before a visit can be conducted via telephone or video.

What does GoLiveDoc Treat?

We treat a variety of medical conditions. Common conditions we prescribe medication for are Cold & Flu, Pink Eye, Skin Irritation/Rash, Urinary Tract Infection, Diarrhea, Stomach Virus, Fever, Headaches and Sore Throat.

Are there Medical Conditions GoLiveDoc Cannot Treat?

There are some medical conditions that our doctors are unable to treat, including but not limited to: Broken Bones, Chronic Diseases, Erectile Dysfunction, Genital Herpes, Hair Loss, Hot Flashes, Premature Ejacuation, Smoking Cessation, STD Testing.

Can I be turned down for a pre-existing condition?

No, members are not turned away because of pre-existing conditions. GoLiveDoc is not an insurance.

Can GoLiveDoc Treat Emergencies?

GoLiveDoc Is Only For Non-Emergency Medical Issues Members Should Not Use It If They Are Experiencing A Medical Emergency. Please Dial 911 If You Are Having A Medical Emergency. GoLiveDoc Is Also Not Intended To Replace A Member’s Primary Care Physician.

Is GoLiveDoc For Emergency Situations?

GoLiveDoc Is Only For Non-Emergency Medical Issues Members Should Not Use It If They Are Experiencing A Medical Emergency. Please Dial 911 If You Are Having A Medical Emergency. GoLiveDoc Is Also Not Intended To Replace A Member’s Primary Care Physician.

Can I use it for my family?

The primary member and 7 immediate family members or household members will have access to consults. 

Do I talk to “real doctors”?

Yes. Members only talk to actual doctors who are state-licensed family practitioners, primary care physicians, internists and pediatricians. When members request a consult, they will be connected with a doctor licensed and practicing in their state.

What Type Of Doctor Or Specialist Can I Speak With?

Members Can Talk To A Doctor Directly. Our Doctors Are Licensed In Internal Medicine, Family Medicine And Pediatrics. A Doctor May Also Provide Guidance On The Type Of Specialist A Member Should See.

Can GoLiveDoc prescribe medications?

Yes, GoLiveDoc can prescribe medication for non-controlled substances. A list of controlled substances can be found here.

Are there Medications GoLiveDoc Cannot Prescribe?

We do not prescribe controlled substances and medications that would require in-person examinations, e.g. Antidepressants, birth control, medical marijuana, stimulants such as Adderall and Ritalin, narcotics or sedatives. Our Counselors cannot prescribe medications for mental health purposes.

Does GoLiveDoc Offer Access To Mental Health Professionals?

All Membership Plans Include 24/7 Behavioral And Mental Health Counseling. All Of Our Counselors Have A Master’s Degree And At Least 12 Years Of Experience.

Is there an extra fee to access mental health professionals?

There is no additional fee to speak with mental health professionals.

How does GoLiveDoc handle bloodwork, imaging, labs and other tests?

You can upload all bloodwork, imaging, labs and other tests to our secured portal for our doctors to view to help with diagnosing and treating your medical conditions.

Is My Electronic Health Record Kept Private?

Health Records Are Kept Private And Secure In Order To Protect Members’ Personal Information. Only Members Can Determine Who Can See The Information In Their Records.