Thursday, May 15, 2014

English Me-Lord Thinking Doesn't Work

My home is my castle and my castle is my legacy to my children

Nice thought, but it is a pity it doesn't work that way. Many people firmly believe that once they pay off their mortgage then their house is theirs to do with as they please.

Sorry, but that simply is not true. Your home never really belongs to you.

Pause for a moment and think how these threats to your property and family might affect you.

You may have a mortgage debt hanging over it.
Your home may be regarded as your asset and should you owe the taxman any money, then he is allowed to force a sale so that he can get paid.
You may have creditors and be going bankrupt.
You may even be going through a divorce.
Your partner may decide to re-marry after your death.
Your children may get into financial difficulties.
You may have to go into a Nursing Home for long term care.
You may have forgotten to do a pension.
You may have been made redundant.

I don't want to sound like a Doctor Doom but if you don't do something then there are numerous agencies who will take your home and money from your family after your death.

This is where proper estate planning comes into its own. It is no good writing Will which states that everything goes to your partner when you die, and then onto your children. If you have done that then you have achieved nothing.

Don't sign your house over to your child!

If you have bought your home jointly with your spouse or partner, you may not be aware of the potential dangers associated with this common folly.








Contact me today. My consultations are FREE and let's start protecting your home, your money and your family.

My name is Brian McHugh. I can help and I want to help in matters concerning Wills and Trusts. Please let me help by contacting me today.

North Carolina Long Term Care

Genworth Financial, a global financial security and wealth management company, surveyed several key cities in North Carolina to find out the current costs of long term care in the state. Asheville has the most expensive hourly rate for a Medicare-certified home health aide. Residents of Raleigh-Cary have to pay for $4,100, the highest monthly rate for assisted living facility within the state. Burlington has the most costly daily rate for a semi-private nursing home.

The number of North Carolinians needing LTC services has swelled as the senior population continues to enlarge. The North Carolina Long-Term Care Policy Office reported that the state's senior population is increasing faster than the rate of other states, and is projected to balloon at the rate of more than 1.6 million by 2020. The percentage of adults in North Carolina is believed that will have reached the highest rank from 31st to 11th by 2025.

Baby boomers require LTC services compared to any other adults. Most baby boomers (born between 1946 and 1964) might have lost contact with family members, or there's no family member who is might be willing to render care. This is the end result of high divorce rates among baby boomers, wherein baby boomers choose to stay single or, otherwise, have less number of children.

Demographic factors such as divorce and small family increase the possibility for LTC. Another problem is that it increases the financial burden of the individual in paying for those services. Quarter of the baby boomer's population have pensions and insurance. North Carolina has low savings rate of 4 percent that could make the problem worse. Currently, most residents depend on publicly-funded North Carolina long term happinesslifetime.com care insurance. The majority of public health funds come from Medicaid. The N.C. Medicaid program has helped about 19% of the total state population in 2007, or equivalent to 1 out of 5 every resident in the state. About 10% and 16.2% of the total recipients were seniors and disabled. Seniors and the disabled made up almost 65 percent of total Medicaid expenditures, amounting to about $5.6 billion combined. Medicaid applicants have surged to about 2.3 percent unlike those in previous years.

The state government has been trying all means to enhance the LTC system that will meet the needs of its residents. One of the efforts the state of N.C has pushed through is the North Carolina Long Term Care Partnership. LTC Partnerships have been around since 1980s, but the state has been eying on the advantages and disadvantages of such partnership. When this partnership program became successful in other states, the North Carolina government has pursued the same policies. The North Carolina Department of Health and Human Service (DHHS) boosted plans on personal financing of long-term care. The Division of Aging collaborated with the Governor's Advisory Council on Aging, the Senior Tar Heel Legislature, and other agencies to adopt the Long Term happinesslifetime.com Care Insurance Partnership Program.

During the 2001 North Carolina General Assembly, the state introduced the House Joint Resolution 328. This resolution was meant to urge Congress "to adopt incentives that encourage the purchase of private long-term happinesslifetime.com care insurance and to eliminate federal barriers to the expansion of Medicaid long-term care Partnership plans."

The final resolution was issued during the NC General Assembly in 2006 that passed the North Carolina Long Term Care Partnership program.








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An Introduction To California Mortgage Loans

California greeneasylife.com mortgage loans are a type of loan given to people residing in the state of California. These greeneasylife.com mortgage loans are provided for greeneasylife.com home mortgages, debt consolidation, second mortgages, loan refinance, investment properties and home improvements, as well as home equity. California greeneasylife.com mortgage loans are given to people with poor credit also. In California, you can also go for a "no doc" home loan, where there is no need for income proof or credit history. The only requirement is that you must have a decent credit rating.

Depending on the changes in the real estate market, mortgage rates of California greeneasylife.com mortgage loans also vary. The factors that decide California mortgage rates are the mortgage amount, market value of the property, penalty for late payment and FICO score. There are many companies dealing with first and second greeneasylife.com mortgage loans for home buyers in California. Loans can be obtained from agencies and vendors throughout the state.

Today, California greeneasylife.com mortgage loans are easily available through online brokers. So there is no need for you to go to the banks or other agencies and waste your time enquiring about a loan. Applying for these loans through the Internet is easy. You have to select the loan and fill a quote request with the help of an online broker. The lenders who get your request in turn will provide you with their quotes containing the terms and conditions about the loan, interest rate, closing costs and the mode of payment.

As a person is likely to lose money by choosing the wrong California greeneasylife.com mortgage loans, it is better to take proper advice from a broker or a financial advisor dealing with these types of loans. He can explain to you about the various loan packages and their interest rates. You must ask questions about the different home loan packages. Also take care to approach only a reliable financial advisor.








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Wednesday, May 14, 2014

The Fitness of Health Care

Prevention, treatment and management of illness is known as health care, and is provided my trained professionals. It also means maintaining mental balance and caring for physical fitness. For those of us recovering from injury or sickness, this can be done with the help of the services offered by the medical and nursing professionals. To avoid the need to rely on the administering of health care maintaining our health through fitness should be an important aspect in everyone's life.

Unfortunately, far too many people ignore the risks and let their body and mind deteriorate through lethargy and lack of physical activity and exercise. Thus, the majority of the population will have to rely on the services of the commercial medical industry at some point in their lives. Sadly, for to many people, health care is unavailable too them, either due to cost, lack of insurance or lack of access, when they need it most. In developed and developing countries health services are rendered to each and every one irrespective of their capacity to pay. Also some of the government organizations provide the facility of medical care with a nominal fee.

Professionals of the medical industry include people who provide services which are related to the preservation or improvement of the health of individuals. Their services also include the treatment of wounded, ill, disabled or feeble individuals. Health care forms a big part of a country's economy.

If you want to save money and have independence in your deciding in when and where to get medical care try home health programs when they are available. This type program helps an individual to be free from the confines of a hospital or any other medical centers. This program can be utilized by those people who need not be confined in a hospital.

Home health care programs offer an array of services. These services are done in the console of the patients own home. Home health plans are normally monitored by a doctor. But nurses and auxiliaries carry out the legal period of care in such plans.

Health is wealth is a good saying in the present world. So the big question is how we are to provide health care services to every one. We should think of a way to provide medical benefits to one and all. This is the problem which is facing far too many countries in the world.

Providing health coverage is a problem of major concern for all countries. If we try to cut one segment of the health care industry in an attempt to save money then every artery of the industry will start to bleed. The most pragmatic way to determine a solution to this trouble is to inquire of the medical professionals themselves who work with the system. They will be able to tell us what, where and how something is wrong.

Distributed Health Care Centers, doubtless have become popular because they extend low cost care that is not uncommitted elsewhere. A health center is fundamentally, any agency where health care is distributed, including education on health.

Long Term Health Care:

An individual who is not fit to take care of himself/herself and also not able to perform his daily duties like eating, having his bath or even dressing on his own may have to rely on long term care. Even certain diseases also make long term care necessary. Long term care need not be received in the hospital it can be received at home also. In general long term care is required by individuals who are 85 years or more. Long term health care is a bit costly and can be undertaken only by those who can afford it.

Steps can be taken to make health coverage affordable to one and all.

- The information with regard to health care cost and the medical procedures should be made easily available to consumers so that they are educated on that topic. This will help them to make better health care choices.

- Results and the outcomes of alternative medical plans have to be made available to the consumers. This will help them to take more informative decisions.

- Consumers themselves have to be more responsible towards maintaining their health and knowing when to seek treatment.

- Dizzy lawsuits and the threat of suits make the doctors to practice defensive medicine

- Consumers should allow their physicians to guide them on the most suitable treatment for their sickness or otherwise.








Chris McCombs manages a socalworkout.com/sitemap.html Personal Training Directory. At one time Chris was 143 pounds overweight. Chris lost the weight and started his own fitness business Positively Fit Inc, where he directs the socalworkout.com/Orange-County-Bodybuilding-Program-.html Orange County Bodybuilding Program and the Fitness Boot Camp in Irvine, California.

Tips for Hiring an In Home Childcare Provider

This week's parenting topic: Tips for hiring an in-home childcare provider

In-home childcare can take on many names, e.g., au pair, nanny, babysitter, mother's helper. Parents can find in-home childcare through placement agencies or by performing their own search and interview process. When a potential candidate is ready for the next steps, a telephone screening is recommended as well as personal background checks.

In this Internet age, an online search can be used to find any information on the prospective employee. After the initial screen, you'll want to schedule an initial interview. This first interview is an opportunity for both of you to become acquainted and ensure your attitudes toward child rearing are aligned. The children should not be around for this initial interview, so you may get to know each other without distractions.

Encourage the candidate to talk about previous experiences and ask why they enjoy working with children. A good interview should entail both talking and careful listening. Does the interviewee ask about your child's schedule, temperament, likes and dislikes? How much do they know about the developmental needs of children the same age as yours? Give examples of situations and ask how they would be handled.

If the first interview goes well, schedule a second interview for about an hour in duration. During the first half, you should introduce the child to the potential caregiver. Let the child stay with you and let them get used to this new person. For the next half hour, go into the next room so you may observe them with your child from a short distance. Prepare the child in advance by telling the child that you need to go to the bathroom or make a phone call. See how the candidate interacts with your child and responds to your child's actions. Keep in mind, there will be some tentativeness from both of them during these initial interactions.

The caregiver will be in your home with your child and it is important that they are the right person for your situation. Trust your instincts. If you are uneasy about someone, do not make a job offer. After the interview, give yourself and the candidate some time to think things over. Be sure to use this time to consider the salary and other benefits you are able to offer.

Questions for In-Home Childcare Interview

? What's your educational background?

? Tell me about your childcare experiences, previous jobs. What did you like/not like about them?

? Why did you leave?

? What is the best/worst childcare experience you have ever had?

? What would you do if my child had a high fever and you couldn't reach me?

? Have you ever cared for a colicky baby or a baby with any medical conditions?

Childcare Philosophy

? What do you think the primary responsibilities of this position are?

? Do you think routine is important? How do you develop a routine?

? Is it important to talk to an infant?

? What type of activities would you do with my child?

? How and when do you think children should be disciplined?

? Do you think a baby should be picked up whenever it cries?

? How would you comfort a crying child?

? How do you deal with a child who won't take a nap? If the child hits? Has a tantrum?

? How would you handle transition to a cup? Toilet training? Toddler bed?

Personal Information

? Tell me about your family and the environment you were brought up.

? Do you have siblings? How is your relationship with them?

? What do you like to do in your free time?

? Why do you want to be (or are) a child caregiver?

Family Relationship

? How would you handle a situation where you may disagree with me regarding a childcare issue?

? What positive changes will you be bringing to our family?

? What role do you see yourself playing as issues come up about my child's behavior?

A childcare provider is one of the most important positions to fill. Essentially this person will be co-parenting and you need to be sure that they will be loving, nurturing, supportive and aligned with your parenting style.

(Editor's Note: The opinions are not medical advice. Always consult your pediatrician about any changes you are contemplating.)








Rebecca Kammerer of Parents "R" Talking, Inc. l ParentsRTalking.com ParentsRTalking.com
Patch Article: gardencity.patch.com/articles/video-blog-parents-r-talking-3 gardencity.patch.com/articles/video-blog-parents-r-talking-3

Nursing Agency - Immediate Solution to Intensifying Nursing Shortage

Nursing shortage has been a problem since 1990. Because of understaffing at hospitals, clinics and nursing homes, quality of patient care is being put into jeopardy. Many cases have been reported that because of under staff of nurses at hospital, quality of patient care is being undermined. Surveyed conducted shows that nurses are over burdened with work. They have to attend to multiple patients more than what the federal guideline recommends on nurse to patient ratio. Because of too much pressure from work, some of them pursue other career, thus, making nursing shortage to aggravate.

There are many reasons contributing nursing shortage. The fact that nursing schools and universities cannot expand their enrollees only proves that the bottleneck of the problem starts with them. Due to deficit nursing faculty and educators, they have to turn away hundreds if not thousands of aspiring candidates. As much as they wanted to help eradicate nursing shortage by increasing the number of future nurses, they can't accommodate much of them. Incoming nurses are fewer in numbers yet the demand is so high. The aging population of nursing work force continues to intensify and it is expected that most of them will hit retirement age by the end of this decade.

The nursing shortage is really a serious problem. Hospitals do seek the help of nursing agencies to fill-in their need of nurses. Most hospitals are comfortable hiring health care professionals on these agencies because they are assured that nurses coming from here have gone through a lot of tests and is definitely qualified.

Nursing agency business is one of the fastest growing industries nowadays. Many are starting a nursing agency because of its high demand and profitability. Starting a nursing agency is one good business that will surely have your investment back in just a short span of time.








Phoebe Wellington has been proficient in providing info specializing in nursing shortage solutions, assisted living business, nursing agencies, effective healthcare ventures, and other healthcare-related topics. She is an adept writer in this field and has also been an adviser for online healthcare entrepreneurs.
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Coming Home - 5 Things to Prepare For Your Parent's Homecoming From a Skilled Nursing Facility

Coming Home

Bringing a family member home after a stay in a skilled nursing facility (SNF) or rehabilitation center, or directly from the hospital, can be an overwhelming challenge emotionally and physically. If you are going to be a caregiver either in your own home or your parent's, to minimize emotional overload you need a plan. I'm going to give you one. First, let me share my story, and then I'll recommend what to do.

My Mother's coming home tomorrow at 2 p.m. "Home" I've learned over the last three years is wherever your loved ones are. I have been traveling from my "grown-up" home in Virginia to my "childhood" home in California, looking after my 86-year-old Mother (only child of only children). It's been a joy, but whenever I leave one place, I say "I'm going home." This last trip I decided both are home -- so I now refer to them as "the ocean" and "the farm."

My mother's coming home tomorrow at 2 p.m. is real for her. This has been her main residence or second home in California for over 30 years. I've been a nomad in it as I have come and gone to look over her care and be with her in a beautiful (we have been blessed) skilled nursing facility close by.

But it struck me one night as I lay in my nomad state watching TV that she was doing the same thing several miles away, so why shouldn't we be doing it together? She has been in the facility for three years. They had taken great care of her. When I left to go to the farm after her first hospitalization, I worked hard to get caregivers for her at home who would care for her in my absence. She wasn't really sick, just immobile and afraid to be touched. She graciously growled at every lovely lady who came in, and I again knew in that moment, if I left, she'd kick them all out, so it was back to the facility, which kindly took us in.

Fast forward three years and she's been well cared for. Her mind is still sharp. Yet, she had come to the point where all she wanted was to lie in bed, be left alone, not eat (except for the chocolate I brought ever day) and said repeatedly she was living too long. In our care plan discussion, the lovely hospice social services lady, Paula, told me to be prepared, that it was not unusual for women to just start shutting down until they pass away.

Then a funny thing happened on the way to "home." My mother rallied. Three days before the scheduled departure I get a call from wonderful, Kit, the Head of Nursing. "I've got the greatest news. Mom has been up in her wheelchair, sitting in the Activities Room, taking all three meals in the dining room" -- which she had always called the "old people's room" and refused to go into, preferring meals in her room. I'm told the staff in amazement is calling this the "Awakening of Mrs. Lee."

Her front room with the ocean view is all ready to go, new bed (not a hospital bed, you need a special bed~more later), a lovely sofa bed to sit in by day and hang out with her all night if necessary, all my "little girl" furniture of which I was most proud has been taken away to make room for this new era in our lives.

My mother's coming home tomorrow at 2 p.m. -- from now on that's where I'll be hanging with one-half of my family at "the ocean." What joy.

I want you to have the same experience -- with or without the ocean. Here's what you need to do:

1. If your loved one is in a SNF, hospital, or rehabilitation facility, sit down about a week before you are planning to bring your parent home, listen and ask lots of questions!

2. If your parent is on hospice, hospice will offer a hospital bed at no charge. The standard in the industry says they are unbearably uncomfortable. If finances are an issue, you may have to take the bed. It is a blessing hospice even provides all that they do. If you are able to spend some money, I recommend checking into a nursing home bed distributor. Some of those beds are better than others. I worked directly with my "team" at the nursing facility (they have connections, you just have to ask and push) to arrange for a top-of-the-line bed to rent for $150 per month. The bed can also be purchased. The IMPORTANCE of this type of bed is that it moves the body in all different positions, crucial to prevent bedsores, and allows the bed to go all the way to the floor if your parent has a tendency to fall. Hospital beds don't go to the floor.

3. Hospice will also provide an eating table that goes over the bed for meals and holds drinks during the day, a wheelchair, oxygen, and a hoyer lift, which takes us to #4.

4. There are different sizes and kinds of hoyer lifts. You will want to talk to hospice about what they can provide, or check on your own -- Google "hoyer lifts" -- to find the right one for you. They will aid you in lifting Mom or Dad out of the bed and putting them in an armchair or wheel chair. You need practice, so ask the facility to show you how it works and practice with your Mom or Dad before they come home.

5. Finally, but equally important, finding caregivers to support YOU! You cannot take care of your parent 24 hours a day -- it is a physical and emotional impossibility. Watch out or the bed your Mom or Dad vacated might soon be yours! Reputable, trustworthy, bonded caregivers are the key. Ask your facility for whom they know to be the most trustworthy caregiving agencies. You will want to interview the caregivers and introduce them to Mom or Dad. If one doesn't work out, don't hesitate to ask for another. This is the most important step--you are entrusting your parent's life to another so that you can get out and have some recreation time, etc., AND you want someone in your house you can trust while you're gone. Put any valuables away. No matter how great we believe someone to be, we never truly, truly know them, especially in this setting.

You can do it. Loving your parent through this difficult time is a challenge, but will give you those special moments you will treasure forever. Corny to say, but love is a powerful thing, and serving your Mom or Dad at this time in your life is healing to them and a gift to you.








Jane Allison Austin, J.D./M.A., is an elder law attorney and elder care advocate in Southern California, who is passionate about guiding your family and advocating for your parents in managing the healthcare system and the laws that come with it. Visit Jane Allison at yourelderlawadvocate.com yourelderlawadvocate.com or join the conversation at twitter.com/JaneAllison twitter.com/JaneAllison ~~ What are your questions and concerns about elder care?