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Are you ready to learn about E-Medicine in Respiratory Care? I sure hope so because that is what this study guide is all about.
With technology becoming more advanced, new computer applications are coming out each and every year.
And this applies to none other than Respiratory Care as well. What this means is that we as Respiratory Therapists have to keep up with the newest and latest technology in order to do our job. Not to worry — all it takes is getting the hang of the core fundamentals. After that, you can just ride the wave, so to speak, as new programs come out.
The best news is, this study guide can help you do just that. The practice questions found here correlate well with Egan's Chapter 8, so you can use them to help prepare for your exams.
Are you ready to get started? If so, let's go ahead and dive right in.
E-Medicine and Computer Application in Respiratory Care Practice Questions:
1. What is the definition of E-Medicine?
It refers to the use of computerized or digital technology to enhance efficiency and effectiveness of health care and more specifically patient care.
2. What are examples of E-Medicine?
Digital applications related to electronic health records, disease management, etc.
3. What are electronic health records (EHR)?
They are the sum of all electronic medical records produced by a patient during the different encounters with various health care entities throughout a lifetime.
4. What are electronic medical records (EMR)?
They are computerized records produced every time a patient uses health services. They are owned by the hospital or health care organization.
5. What are examples of nonclinical information that is also saved electronically?
Patient demographics, health insurance, history and physical exam, progress notes, labs/tests, and vital signs.
6. Why does it help that physician orders are also computerized?
It saves time and reduces transcription errors due to handwriting clarity issues and also helps facilitate patient care and reduce medical errors.
7. What are the issues in health care organizations when it comes to software packages?
Using separate software packages for individual functions.
8. What is the Health Information Technology for Economic and Clinical Health Act (HITECH Act)?
It is part of a national strategy for building a national health information infrastructure.
9. Why is it good to use a single comprehensive software package to address issues?
To provide integral functionality to enhance both efficiency and effectiveness, as well as comply with the HITECH Act.
10. What are some applications of electronics in diagnostics?
Hemoglobin monitoring, blood gas and point-of-care testing, medical imaging applications, and pulmonary function testing.
11. What is PACS?
An application that allows for imaging storage, portability, communication, and clinical integration of all imaging modalities with the EHR.
12. What are the 2 applications of electronics in acute care settings?
Mechanical ventilators and therapist-driven protocols.
13. What do mechanical ventilators have the potential to do?
They have the potential to improve the quality and consistency of ventilator charting; also improve completeness, accuracy, consistency, and efficiency.
14. What do therapist-driven protocols do?
Evidence-based protocols can improve health outcomes; automated protocols can assist with spontaneous breathing trials.
15. What is an example of an automated breathing trial?
Mechanical ventilator weaning.
16. What are the applications of technology in non-acute care settings and chronic diseases?
To develop protocols to address main reasons for readmissions to emphasize patient and family education and follow-up.
17. What does technology do to help monitor asthma?
It uses monitored patient data to tailor the adjustment to the plan of care.
18. What does technology do to help monitor COPD?
E-medicine applications facilitate education, self-management, and timely feedback from health care providers for patient with COPD.
19. What are the 3 types of E-medicine treatments for tobacco use and dependence?
Phone-based applications, internet-based treatment programs, and automated contacts via e-mail or text messages.
20. What are health informatics?
They combine advances in computer science and technology to improve clinical care, manage the health of populations, and accelerate research.
21. What is business intelligence?
A set of tools that permit capture, storage, and transformation of data into useful and actionable information.
22. What are key performance indicators (KPI)?
Indicators of quality and efficiency that are selected based on reporting or operational requirements.
23. What is the purpose of telemedicine?
It supports health care at a geographically different location from the patient to increase access to specialty care.
24. When coupled with an electronic health record, clinical decision is particularly useful in what?
Disease management.
25. What automated response care protocol has shown that the use of a handheld computer helped shorten the patient's stay in the ICU?
Ventilator weaning.
26. The process by which the underlying primary, secondary, and other notable causes of a medical error are identified is referred to as what?
A root-cause analysis.
27. Which of the following are ways health care workers and facilities conform to HIPPA regulations concerning securing patient confidentiality within electronic medical records?
Refraining from sharing passwords, accessing electronic patient information only on a need- to-know basis, and utilizing thumbprint protected security when available.
28. What entity is responsible for approving experimental procedures prior to collecting data?
29. What search engine looks for scholarly publications in a wide variety of fields and includes peer-reviewed manuscripts, abstracts, theses, and books from academic publishers, professional societies, and university libraries?
Google Scholar.
30. What is the name of the database often purchased and used by hospitals and university libraries to provide key research information on a large variety of medical topics?
31. Which of the following describes a database that is a structured collection of facts?
Bibliographic databases.
32. What is benchmarking?
It is valuable for each of the primary functions of respiratory care managers, including planning, organizing, directing, and evaluating.
33. What is clinical decision support?
Systems that match the characteristics of individual patients and their clinical interventions, drugs, and diagnostic tests to databases of scientific evidence and drug calculations and generate tailored recommendations, reminders, or standing orders. It is instrumental in improving clinical outcomes of patients by determining optimal drug dosages.
34. What are the Clinical Simulation Exam objectives?
To interpret data, recognize and prioritize problems, make decisions, observe consequences of decisions, develop leadership skills, develop interpersonal communication skills, develop team-building skills, use available resources, and manage stress and crisis.
35. What is Cochrane Collaboration?
A website for research ensuring the effects of healthcare interventions are made available worldwide.
36. What are the common functions of computer applications in research?
Data sources, data collection, statistical testing, displaying study results, managing citations and references, and managing ethical considerations.
37. What are the core functions of EHRs?
Medical records, results recording, computerized physician order entry, clinical decision support, electronic communication, channels between health care providers and patients, and patient-entered data.
38. What is DataArc?
A secured, password-protected, web-based database management system for documenting and reporting clinical educational activities for nursing and allied health professions, including respiratory care.
39. What is eHealth?
Emerging computer applications in clinical care, diagnostics, management, education, and research.
40. What are electronic health records?
Makes patients' medical record available across the continuum of care of geographic locations.
41. What is Google Scholar?
A search engine for scholarly publications in a wide range of fields– fast, yields wide-ranging search results and provides citation data.
42. What is a Hospital Information System?
Also termed HIS for short — it is a comprehensive system for communication and information processing, supports both clinical and administrative purposes.
43. What is information retrieval?
Enhances clinical expertise by providing information for the development of evidence-based, patient-driven protocols, and aids in clinical decisions for individual patients.
44. What is Medline?
The database of the National Library of Medicine of millions of references from thousands of journals related to medicine, nursing, the health care system, and science.
45. What is Ovid?
An extensive collection of web-based information resources, including databases, journals, books, and searching software. Many medical libraries and large hospitals in the United States purchase and use Ovid in some form.
46. What is PubMed?
A free search engine of the National Library of Medicine for health information. It searches several databases including Medline.
47. What are respiratory care management information systems?
They provide a means to organize and assign respiratory care orders, measure staff productivity, report clinical results, and execute respiratory care protocols, along with generating data to show their effectiveness via outcomes research.
48. What is telemedicine?
The use of telecommunication and computer technology to promote access to diagnosis, monitoring, clinical decision support, and treatment for patients at medically underserved sites that are distant from health care providers.
49. What is point-of-care testing?
It refers to blood gas analysis that is performed at or near the site of a patient, in a setting that is different from a normal hospital clinical laboratory. An example is the iStat that we use for ABGs.
50. What is effective information retrieval essential to evidence-based respiratory care?
It enhances clinical expertise by providing information for the development of evidence-based, therapist-driven protocols, and it aids in clinical decision making for the clinician.
51. What is value-based purchasing (VBP)?
It is a system of reimbursement by the government CMS to hospitals and health care providers that is partially based on their ability to meet a predefined set of standards.
52. What is continuing respiratory care education?
Basically, it is education sought by respiratory therapists after graduation.
53. What are learning management systems?
They are computerized, web-based platforms which are used to offer courses and other learning resources. Some examples are Moodle and Blackboard.
54. E-Medicine relates to the use of computerized or digital technology to enhance what?
The efficiency and effectiveness of health care in general and more specifically patient care.
55. EMRs represent what?
They represent the computerized records produced every time a patient (or consumer) uses health services.
56. The EHR is the sum of what?
It is the sum of all EMRs produced by the different encounters of the consumer with various health care entities throughout a lifetime.
57. Enterprise software packages are designed to provide what?
Integrated functionality for health care organizations to enhance both efficiency and effectiveness of patient care.
58. E-Medicine applications can be used in acute or non-acute settings by Respiratory Therapists to provide what?
To provide support and care for the pulmonary patient.
59. Health informatics combines advances in computer science and technology to?
To improve clinical care, manage the health of populations, and accelerate research.
60. Business intelligence refers to a set of tools that do what?
That permit capture, storage, and transformation of data into useful and actionable information.
61. What does the CDS provide?
It provides general and person-specific information, intelligently filtered and organized, at appropriate times, to enhance health and health care.
62. What are the four basic steps of Benchmarking?
(1) Know your operation, (2) know the industry leaders or competitors, (3) incorporate the best, and (4) gain superiority.
63. Telemedicine and telemonitoring allow what?
They all for the evaluation, diagnosis, treatment, monitoring, triage, consultation, and
follow up of patients without travel.
64. The Internet is a rich source of information for?
For Respiratory Therapists and patients when the quality and source of information are
65. Information retrieval is essential to practice evidence-based respiratory care because?
It enhances clinical expertise by providing information for the development of evidence-based, therapist-driven protocols, and it aids in clinical decision making for the respiratory therapist.
Final Thoughts
So there you have it. That wraps up our study guide on E-Medicine and Computer Applications in Respiratory Care. I hope that this information was helpful for you. And I hope that you can use it to ace your exams whenever that time comes.
In the meantime, keep working and studying hard and thank you for using our study guides. Breathe easy, my friend.
Study Guides
© 2020 Respiratory Therapy Zone


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I present here the reasons why I chose to pursue a University degree in Earth sciences. Although this topic might at first seem unrelated to geoethics, it is somehow connected to it. I will show how my decision to study Earth sciences was influenced by geoethical considerations, even though I did not consider them as such when I made my decision. My choice is explained using four representative words: 'wonder', 'environment', 'system' and 'Anthropocene'. The idea of Anthropocene is discussed in detail because of its relevance to geoethics.
Full Text:PDF
DOI: https://doi.org/10.4401/ag-5635
Published by INGV, Istituto Nazionale di Geofisica e Vulcanologia - ISSN: 2037-416X


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April 2, 2019
For many Americans, learning to drive and owning a car are equated with having a sense of independence. But, as researchers recently revealed, Michigan motorists can scarcely afford the skyrocketing costs of car insurance. In other words, their freedom comes at a price.
The average cost of a new vehicle in the U.S. is already around $35,309. That already makes it hard for many Americans to afford their own transportation. But when you add in the costs of maintenance and repairs, fuel, and insurance, it can be downright impossible. Factoring in things like saving up for a home make it even more difficult to fathom. Consider that selling a home for $300,000 requires a commission of almost $18,000 to your realtor. All that in perspective, skyrocketing car insurance makes financial struggles that much more difficult. That's certainly the conclusion to which researchers at the University of Michigan came. Drivers in Michigan are spending more on their auto insurance than motorists in any other state. What's more, data shows that current auto insurance rates in Michigan are not affordable for 97% of the state's zip codes, meaning that these premiums exceed 2% of a given zip code's median household income.
In fact, Michigan residents are typically spending far more than that on their auto insurance. Detroit drivers spend anywhere from 12% to 24% of their income on insurance premiums, with some residents in Downtown Detroit spending up to 36% on these insurance payments. That means the average person in Detroit spends over $5,000 a year on car insurance. When you consider that the median household income in this city is only $26,249, that's a huge burden to bear. In places like Pontiac and Flint, drivers are forced to pay anywhere from 8% to 24% of their median household income on auto insurance. There are only a few areas where auto insurance rates are deemed affordable: Dexter, Birmingham, Bloomfield Hills, DeWitt, Williamston, and parts of Ann Arbor, most of which are considered to be relatively affluent. In the underprivileged areas of the state, car insurance costs are an extreme expenditure that many cannot afford.
Of course, auto insurance provides important benefits, like coverage in the event of an accident. Since there are nearly 6 million car crashes throughout the country every year, the majority of American drivers feel that having auto insurance is essential. But many Michigan residents simply can't afford to have it — and so many of them don't. Although there have been ways to work around high insurance rates in the past, famously manufacturers advertised the horsepower of the Shelby Mustang GT 500 as 335. That was a low estimate to appease insurance companies. The actual horsepower was close to 400. Still, 34% of Detroit residents say they don't own a car (despite the fact that worldwide car sales reached a record 88 million vehicles in 2016), while 20% of drivers throughout Michigan fail to obtain car insurance. Only 13% of drivers opt not to have insurance on a national scale. Unfortunately, researchers say, this only perpetuates poverty in many areas of the state.
The report notes: "Unaffordable insurance may force low-and moderate-income individuals to forgo driving, limiting their ability to get to school, health care appointments, or jobs that are often outside the city limits… Nearly a quarter [of Detroit residents] report having recently missed work or an appointment due to lack of transportation."
Michigan is one of 12 U.S. states with no-fault insurance, but it's actually the only state in the union that requires drivers to buy unlimited PIP coverage. On the surface, PIP coverage sounds like a good idea, as it means auto insurers take responsibility for unlimited medical damages. In other words, you'll be taken care of for life if you're injured in a car crash. Bankruptcies from unpaid medical bills impacted approximately 2 million people in the U.S. during 2013, so this could seemingly be a way to lessen those medical bills for consumers. But in reality, this is what makes auto insurance costs skyrocket for everyone. Michigan drivers pay fees to the Michigan Catastrophic Claims Association, and those fees are subsequently used to pay for the medical bills of injured drivers. Is it really any surprise that the average cost per accident claim in Michigan topped $75,000 in 2013?
Researchers note that being more conservative with PIP payouts could help, as could replacing the mandatory unlimited PIP coverage with other options and limiting claim time and medical fee schedules. Until the issues of discrimination and poverty are addressed, researchers warn, the situation isn't likely to improve.
As Tricia Kinley, executive director of the Insurance Alliance of Michigan, explained to a local ABC news affiliate, "It's a shame Michigan once again has the unfortunate distinction of having the most expensive auto insurance premiums in the country. This report shows that when it comes to car insurance, Michigan is No. 1 for all the wrong reasons."


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New Jersey Gov. Phil Murphy's 'deep personal' connection to India and Indian-Americans may help attract film, manufacturing investments to his state during upcoming trade mission
New Jersey Governor Phil Murphy has possibly visited India more times than many Indian-Americans. He has experienced interaction with Indians through numerous avenues and has a deep dive into Indian culture and business,
In the run up to his September 13-22 economic mission to India, Gov. Murphy has been meeting the Indian-American business community as well as attending various events organized by the community, including Indian Independence Day celebrations around the state.
Murphy, 61, has observed and interacted with Indians in India and Indian-Americans here, over decades and proudly talks of the various 'lenses' through which he has gained his deep connection. He talked to this correspondent in an exclusive interview about that.
He recalled his fellow students during his years at Wharton Business School; then in his senior capacity for 23 years with Goldman Sachs where he spent time in Frankfurt, and in Hong Kong where India was part of his portfolio; after that when he was an ambassador in Germany and kept in close touch with the Indian diplomatic corps; then during his first venture into politics for the gubernatorial campaign; and finally, his time at the Governor's mansion at Drumthwacket in Princeton.
Gov. Murphy dwelt on these experiences as he plans for his trip with a trade delegation to India covering 6 cities in 7 days, touching Delhi, Agra, Hyderabad, Mumbai, Ahmedabad, and Gandhinagar. For the 56th Governor of New Jersey, who will be the first ever to visit India on a trade mission, this is a momentous trip.
And, not least of all, he will be able to have his fill of authentic Indian cuisine of which he said he was "a big fan" especially, "I'm a sucker for naan and papadam."
The day of the interview, Sunday, Aug. 11, Murphy was getting ready to attend the Edison India Day Parade, where he said he was sporting the colors of the Indian flag – "Oh – little bit of green, and white and orange," and was excited about meeting some Bollywood stars.
"Also, we are including Bollywood in our (trade) visit," he said. Bollywood industry entering New Jersey, the Governor said, "Sounds like a natural to me with our huge Indian, and broadly South Asian population in our state."
"We have a tax incentive program back in place which is one of the most progressive in the country for film, and television and digital work," conducive to building Bollywood investment in New Jersey. "There is an enormous amount of opportunity and potential for Bollywood to be bigger in New Jersey," according to the Governor, and surely music to the ears of Indian-Americans living there.
Two of the six cities he will be visiting are very familiar to the Governor. When he was in Hong Kong in the late 1990s, the Governor said he went to India "every quarter" in 1997, 1998, and 1999.
"My wife (Tammy Murphy) is very, very excited to go after so long," he said. Almost all the trips in the 1990s were to Mumbai and Delhi. Now he will get to see four new cities he noted.
Murphy has kept in touch with his old contacts in India during the Goldman Sachs years, and despite the passing of years, expects to smeet some old friends during this visit, he said.
"It's a deep personal relationship (with India and Indians in America) for me," Murphy reminisced.
Impactful Community
In his own gubernatorial campaign, Murphy noted, he had several important positions filled by Indian-Americans. "We made it a very explicit point to actively reach out to Indian Americans." That's because the community is not just 'enormous' in size, but highly impactful in various spheres such as business, culture, government. He plans to take some of these Indian-Americans with him on his trade mission.
Noting changes in the Indian-American community over the years, the Governor noted it was a historical fact that most new immigrant groups "explode" in size before they achieve matching political influence and enter the corridors of power, whether it be politics, business, education, or culture.
"This (Indian-American community) is a more significant, more impactful community as time goes on," the Governor said. "And you see it, among other things, in the ranks of elected officials. .. Now you are seeing meaningful representation not just in the large size, but in the corridors of power, not just in elected officials," he said.
"We are proud we have America's first Sikh Attorney General, Gurbir Grewal, a good example of that — you are finally starting to have a community that can look up and see a role model," Murphy said.
Among other Indian-Americans, New Jersey also scored its first Indian-American state Senator in Vin Gopal the same time that Gov. Murphy became Governor. Earlier, State Representative Raj Mukherji, the second Indian-American state assemblyman took office following on the footsteps of former State Rep. Upendra Chivukula,
The final list of those accompanying the Governor is still in the making, but at least one Indian-American is on it.
"I am planning to travel with the Governor to India," New Jersey State Senator Vin Gopal told Desi Talk, "And for the record, I'm very happy that he's going to be the first governor in the state of New Jersey's history to travel to India. It sends a great message."
Gopal said the trip to India is very exciting. "As you know, we continue to have one of the fastest growing South Asian and Indian-American populations anywhere in the world, here in New Jersey," Gopal noted.
As for close friends, the governor was reluctant to name any for fear of leaving some out, saying only, "I have many close friends. I won't single out any," but they are from a broad spectrum of professions, business to media, elected officials.
Asked about U.S.-India relations particularly in the wake of the most recent developments in Kashmir, the Governor refused to comment on the issue, understandable for a state level elected official. Nevertheless, having been a former Ambassador, Gov. Murphy offered an answer behooving a diplomat.
"Kashmir is a region whose people have known conflict for far, far too long, and they have not seen many of the benefits of the rising tide of things like social, economic, educational, infrastructure improvements," he said., adding, "I'm hopeful that a lasting and peaceful solution will be found. that the people themselves will be able to find a lasting peace and tolerance. And that nations, particularly India and Pakistan, can work together to find common ground in the region's mutual interest."
Trade Mission
The Governor's economic mission will focus on strengthening economic ties with one of New Jersey's largest trade and investment partners, cultivate international investment opportunities in the Garden State, and deepen cultural and educational ties between New Jersey and India, his office said in a press release earlier in July.
"As India's role as one of our key partners continues to expand, we want to make sure we maximize the potential of our economic relationship," Governor Murphy said in an earlier statement. "I am excited to make the case for New Jersey as a leading investment choice for Indian companies, creating lasting partnerships and good jobs for our residents. We are proud to be the home of one of America's most deeply-rooted Indian American communities, and growing our economic partnership will only strengthen those ties."
Governor Murphy's activities and public events will include meetings with key government and industry leaders, including representatives of the life sciences, technology, clean energy, film and media, and manufacturing sectors, as well as company visits and announcements.
India is New Jersey's second largest foreign direct investor and Indian-Americans represent the largest group of foreign-born residents in New Jersey. Moreover, over 50 percent of India's foreign direct investment in the Northeast comes to New Jersey.
"As the country with the third largest GDP in terms of purchasing power, India is already a formidable player in the international economy and the country's influence is only continuing to grow," noted New Jersey Economic Development Authority CEO Tim Sullivan, who will be accompanying the Governor.
Gov. Murphy and his delegation will focus their visit on showcasing New Jersey's "innovation ecosystem and highlight why New Jersey is the best place for the international community to do business," a press release from the Governor's office said.


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Hello lovelies!
As it is National Poetry Month, I thought I'd celebrate by posting a video every Sunday of poetry slamming. Slam poetry is so awesome, and a great gateway to get into poetry.
Today's video is Taylor Mali performing "What Teachers Make"
He's amazing, if you get the chance to see his performances live, I HIGHLY recommend going!
Also, an aside: I will begin to post the Top 100 YA List by 8 pm EST latest!


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|Submitted By:
|Prayer Request:
|Please St Martin please let my husband be cleared of him being accused of wrong doing in his work place. He is so distraught that someone could do this to him. Please help through this next few days and he will have his name cleared. Thank you St Martin.
* Prayers submitted through the Prayer Request Form will be moderated prior to publishing, to ensure the bona fides, as best as possible, of the submitter are genuine. St Martin Apostolate reserves the sole right to select/list prayer requests on this website.


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2019 Camp Information
Sign up ONLINE on March 1st, 2020 @ 10am for Fayetteville residents, and March 6th, 2020 @10am for Non-Fayetteville residents.
Check out our 2020 Summer Camp Activity Guide for more details on camp!
Children must have completed Kindergarten by the start of camp to participate in camp.
Teen camp are for youth who would have completed 6th-8th at the time of camp.
2020 Summer Fun4Kids and Teens Camp Dates and Themes
Week 1: Outstanding Outdoors (June 8th - 12th)
Week 2: Games Galore (June 15th - 19th)
Week 3: Marvelous Makers (June 23rd - 27th)
Week 4: Wonderful Water I (June 29th - July 2nd / closed July 3rd)
Week 5: Rumble Tumble (K-5th) and Farm to Table (6th-8th) (July 6th - 10th)
Week 6: Fantastic Fayetteville (K-5th) and Adventure NWA (6th-8th) (July 13th - 17th)
Week 7: Wonderful Water II (July 20th - 24th)
Week 8: Mini Summer Fun 4 Kids Camp (July 27th - July 31st / Kindergarten through 5th grade)
End of Camp Celebration: August 1st, 2020 from 11am-1pm


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Rolex Explorer I
April 28, 2018
It's a Rolex, so it's a pretty safe bet in terms of cache and reliability. And it's not a Submariner, so it's a less obvious choice and a little more understated while still being a workhorse. The only question is, which Explorer to get? The current reference is the 214270 (pictured, 2010-present), which is mainly distinct from previous iterations by being slightly larger at 39mm. The previous iteration, the 36mm reference 14270 (1989-2010) offers scratch resistant sapphire crystal and modern robustness at a slightly more approachable price. The granddaddy reference 1016 (1953-1989) is a collector's watch and typically commands a collector's price.
$6,550 new at Rolex.com


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Nagashekar's Maasthi Gudi which is based on a story written by Duniya Vijay has been in the news for varied reasons. All those aside does it make for an entertaining watch It does but not entirely. The film has a good message that it seeks to send, but the execution falters with a lacklustre screenplay.
While Duniya Vijay and heroines Amulya and Kriti Kharbanda lead the way when it comes to performances, along with rest of the ensemble cast, there are a lot of times one is left bewildered as to what is going on, especially in the second half.
Known for his romantic capers Nagashekar has ensured that the two love stories, involving both the leading ladies, are sweet, peppered with good songs. But, the main plot, which involves the hero fighting the poachers and his efforts to save the forest lacks the punch.
The two negative leads Raghava Uday and Anil Kumar who lost their lives on the film's set, don't seem to have justified roles and seem rather comical than menacing. The use of supernatural too is rather abrupt and nothing seems justified, especially towards the climax.


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After the General Election: What now for the housing market?
Now that the dust has settled on the General Election campaign and newly-appointed Conservative ministers are settling into their roles, what should home buyers expect from the new regime?
Well, firstly, house prices could be on the rise as cautious vendors and buyers who held off in the run-up to the election now feel more financially secure and enter the market.
According to latest Office for National Statistics data, house prices rose by 6.5% compared to levels before the financial crisis, although prices in the North East actually went down by 5.6%.
But analysts are now predicting growth in house prices across the board, particularly at the top-end of the market, as confidence returns. Estate agent Savills is anticipating a 19.3% growth in prices over the next five years with momentum returning to the market. A combination of economic confidence, growing employment and low mortgage rates mean many people are choosing now as the time to buy. Sales and purchases at the upper echelons of the market have been particularly buoyant now that fears over a mansion tax have been lifted.
Those looking to invest in buy-to-let properties are also ready to act now, having delayed any purchase because of Labour plans to regulate landlords by capping rent rises at the same level as inflation.
For purchasers, Help to Buy schemes will continue to run and develop, helping first-time buyers step onto the property ladder. But, Conservative policies go beyond that, promising to bring more properties onto the market.
We may, however, be in for a long wait until the promise to extend the Right to Buy scheme to more housing association tenants becomes a reality. The plan is designed to provide a more affordable route to home ownership for social housing tenants by offering higher discounts than those currently on the table.
Tenants will be able to apply once they have rented their housing association property for three years, benefiting from capped discounts of up to 50%.
Another promise is to provide 200,000 new homes for purchasers under 40 at a 20% discount under the Starter Home Scheme, although buyers will have to repay this advantage if they sell within the first five years.
But, even if those new properties do come onto the market, the imbalance between supply and demand still exists, keeping prices out of reach for many.
For those who already have a foothold in the property market, the new policies wont hold a great deal of interest. But existing homeowners may want to think about moving to a new mortgage deal. A shift upwards for interest rates is expected by most analysts in the first quarter of 2016, so opting for a fixed rate deal is an option to consider. Earlier reforms to implement stamp duty along the same lines as income tax have also helped to make climbing the ladder to buy your second or third home more affordable.
First-time buyers will want to think about whether it really is worth waiting for new Government policies to become a reality before they take the plunge. It may be that favourable mortgage terms and house prices which have not yet started to increase too much make a move now, for those with the luxury of having already saved a deposit, a more financially sensible option.
Please note: This article is intended as guidance only and does not constitute advice, financial or otherwise. No responsibility for loss occasioned/costs arising as a result of any act/failure to act on the basis of this article can be accepted by Latimer Hinks.
Martin Williamson is Head of Residential Property at Latimer Hinks Solicitors in Darlington. Latimer Hinks has a team of around 40 people serving private and corporate clients. For further information: www.latimerhinks.co.uk or call 01325 341500


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Resources from Spring 2015
Lead Article
The War against Cults in China
Lambert writes: "China has been experiencing a major revival of religious faith…at the same time there has been an upsurge in cults, many of them quite bizarre." He traces a brief history of China's cults and then deals with how a cult is defined in China. He goes on to...
Refuting False Teachings by Untwisting the Scripture
Geisler and Rhodes provide a valuable reference tool for anyone looking for help in refuting various false teachings. After discussing the definition of a cult, they give an overview of the doctrinal, sociological, and moral characteristics of cults. To untwist a Scriptural interpretation, they supply a Scripture reference that raises...
Chinese Cults, Sects, and Heresies
The author provides a brief overview of ten cults active in today's China. First, he gives the cult's name and any additional names it is known by. Next, he identifies the founder and any leaders giving a brief summary of their backgrounds. Finally, he discusses areas of concern including major...
China and Hong Kong's Heresy
Church of the Almighty God (Eastern Lightning)
A Mandarin Language PowerPoint Course
Supporting Article
Combating the Cult Almighty God Church
The author takes an in-depth look at Almighty God Church (formerly Eastern Lightning) and its impact on China's house churches. He looks at early house church responses to this cult as it began infiltrating congregations as well as later responses as it became a greater problem. Yu shares with us...
Supporting Article
Discerning a Cult
How can a cult be identified? This article alerts the reader to characteristics that can serve as warnings for the possible need to make a further examination of a church or group. It discusses specific issues related to authority and exclusivity, control and submission, secrecy and darkness, and abnormal changes...
A Field Study of "The Church of Almighty God" Cult
The authors did a field study of The Church of Almighty God over several years. In their report they include excerpts from the writings of the "female Christ" found in The Scroll That the Lamb Opened. There are also quotes from several individuals they interviewed who had dealt directly with...


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In e-commerce there are always a lot of things going on.
Mobile purchases, same-day delivery, new technologies, social media.
These and other features support online sale. A new online purchasing formula may soon be launched – Google Express. For now, the service is being tested in the homeland of Google – the USA.
How does Google Express work?
Google Express gathers online vendors in one place. Users can buy products from various stores online, but they do not have to enter their websites directly. To buy a product, the user simply uses the Google Express application or Google Assistant or orders the products with a computer at google.com.express. Moving around a kind of online mall, it is possible to add items to one cart for all stores. This will facilitate and accelerate your shopping.
It can be said that the platform is at the planning stage. In the US, a relatively insignificant number of vendors use the platform now. On the other hand, the "mall" remains an insatiable space and it is a perfect place for online vendors who will be able to compete with other stores more easily.
How has online shopping been facilitated for Americans?
After you enter the platform, you can browse through the categories in a user-friendly manner.
The tree of categories is not complicated. You can choose a proper department with products you are interested in or focus on a particular store supported by Google Express. The platform asks the user to provide their postal code. It is a simple function that results in better price adjustment, accessibility and transport costs better. Every product description is accompanied by the logo of a store offering the product. You can add any product to the cart, contrary to Google Shopping, for instance, which forwards you to the website of the selected store. In this case, you can go through the entire shopping procedure within Google Express.
Delivery costs for various products may differ. Allegro functions in a similar way. If the user puts two items offered by different vendors to the cart, they have to pay for two deliveries and the items may arrive on different dates. Google Express functions on a similar basis.
Google is very careful in placing new solutions on the online market. Google Shopping also waited some time before it went beyond the borders of the US. Google Express gathers a little number of stores in the United States. However, the e-commerce market requires testing every single revenue source. If this platform obtains positive results and becomes competitive for Amazon, the other global leader, it will probably be possible to test this selling channel in Poland after some time as well