Baby Sitter Agency - What To Expect

Are you looking for a baby sitter agency? Like many other families across the country, you may need a good baby sitter while you are out for work or for a break. Looking for an agency may be a better idea than looking for a sitter yourself. This doesn't mean though that getting a good agency is easy in itself. Before you sign up with an agency, there are a few things that you would just have to expect.

Fees

One outstanding consideration is the fees. Sitter and nanny agencies do not charge cheap. This is especially true if you are looking for a stay at home sitter. Aside from membership and processing fees, you would also have to shell out for the placement fees. Some agencies will also require you to be the one to handle transportation expenses for your sitter or nanny. You should expect to spend more than a thousand dollars even before your sitter can work for you. An important aspect to remember about fees is to always ask your agency how much you need to pay exactly. Possible hidden and additional fees need to be openly discussed.

Services

What exactly will a baby sitter agency do for you? You may think that all agencies will provide you with everything. You may think that you only have to sit back, relax and wait for you nanny to come. This is not always the case. Some agencies serve better than others and have better services. What you need to do is to find out what an agency will do exactly and if their fees are really worth it.

One important service to consider is the comprehensive background check. Ask your agency if they perform routine identity checks, reference verification, sex offense record check, driving history and criminal record investigation. It may also be in your best interest to inquire how an agency performs these checks. Ask what else is involved in the screening process and if you can interview the prospective sitter yourself.

Agency Reputation

You should never neglect agency reputation. Sometimes, this alone can give you a clue as to whether you are with a good agency or a bad one. You can check for agency reputation through a couple of possible sources. There are online forums where other parents may offer their opinions about certain agencies. There are also review and rating sites where agency services may commented upon at length. Parents also have the simple option of asking other parents for agency recommendations.

You might also want to check official associations. Some formal organizations have been set up specifically for sitters, nannies and agencies. Many of these professional organizations have lists of well-recommended agencies that you might want to try.

Guarantees

Don't think that everything will be fine once you get your sitter. There is always the possibility that you will not be happy with your sitter. Some sitters may also have to terminate their contracts at an earlier time due to emergency reasons or family concerns. You should think of this as a very real possibility. Find out if your agency has any contingency measures for such events. Will your agency send you a replacement? Do you have to pay new fees for the replacement?

It really is a good idea to find a baby sitter agency. You should however, take good care in picking your agency.

Ensure your child's safety by approaching the right nannies-sitters.com baby sitter agency. Start your nannies-sitters.com babysitter search online.

How Best To Take Care of Your Aging Parents

When you were growing up, you always relied upon your parents for every single thing that you needed in life. Your parents probably more often than not made sure that you did receive everything that was necessary for you to have a good life growing up. As adults, you probably still look to them for love and advice on a lot of things that come up in your life. There will however come a day that your parents are going to have to look to you for help and you may end up being the ones that become their number one caregiver, not much unlike how they were for you in your early life. Below you will find some ways to help you with the struggles you might run into should that day come. It should help you prepare for giving your parents the support they will need and have earned.

Before your parents even get to the point where they might need your support you should do some research on the different kinds of care that they could need as they grow older. Most seniors that are in good health are still able to maintain most things in their lives by themselves, but when they do become incapable of doing so you are going to have to figure out a permanent approach for help.

You should think of helping them to try and become eligible to be able to rent or even buy some sort of apartment that might be in a community that is set up for retirement age people. This should be a community that is qualified to offer assistance to seniors when it's needed. These types of places will still let your parents to live as independent as they want for as long as they are able, but will let help be available to them if they ever need the help.

You might also want to help your parents get some sort of insurance that will cover any kind of long term care. This type of insurance will help them with the cost of any kind of nursing home fees. It can also help with home nursing and other senior assistance that might be needed.

If your parents own their own home it's a good idea if you do your best to help them maintain it so that they can live there as long as they possibly can. If your parents have special needs then you should try and adapt their home for those special needs. Make sure to get safety and personal amenities installed in the home, especially in the bathroom by installing bars near the toilet and in the tub or shower.

You can also look into using one of the emergency systems that are available so that when they happen to be alone there will be professionals that they can contact with just one push of a button.

There are also local service groups for senior citizens that will help you find a variety of different agencies that can offer different types of help for your parents. A lot of these places will take the needs of your parents and match them with the services they offer.

You can also find different centers that offer adult care during the day where they can not only have help if and when needed during the day, but it will also give them the opportunity to meet and socialize with other seniors by giving them things to do together, which will also help cut down on the boredom and loneliness that can set in as we get older.

One final note. Make sure that you consider all of the costs of living independently in a retirement center, nursing home, home care and if you and your parents both fall short financially, you may want to consider letting your parents come live with you so that you can help give them the care they need and deserve.

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Home Security Doesn't Take a Holiday

During the holiday season everyone seems to be in a rush to get all of their shopping done and then go out and have some fun with friends, family and co-workers. In those few short days many forget all of their usual troubles and woes and just enjoy living in the moment.

While this may be a time to escape everyday cares, it is also a time when crime is on the rise. The holidays often see sharp "spikes" in the number of home burglaries, credit card theft and pick pocketing that occur. Because crime is not on holiday too, it means that a homeowner must pay close attention to their habits and never stray from their usual home security routines.

Don't have an established home security routine? It is never too late to start, and at the holidays it may be more important than ever. To begin, most law enforcement agencies advise against placing the Christmas tree immediately in front of a window. While it is lovely to look at with all of its twinkling lights and glittering ornaments, it also places all of the great "loot" in easy reach for a criminal. Simply breaking the window may allow the thief to make off with thousands of dollars in goods. Of course this principle holds for the rest of the year as well, and police will always recommend placing expensive possessions and collectibles far from doors or windows, and even out of plain sight if possible.

The next part of an everyday routine that also applies to the holidays is around the appearance of occupancy in a home. If you, like millions of others, are at work and out of the home all day, it is a good idea to work to give the appearance that someone is inside. This is easily achieved by placing timing devices throughout the home which turn on lights and radios or even television sets. Of course a good thief will watch a home for several days and may make note of such events, so clever manufacturers now produce random timers that will turn equipment on at random times throughout the day, and automatically cease this activity in the later hours of the evening. Investing in such a simple device is a good way to "out fox" a criminal. During the holidays it is very important to create the appearance of occupancy, particularly if a family is away for the day or even for a few nights.

Another daily routine that is important during the holidays involves the curbside trash. Law enforcement officials remind people each year that it is not advisable to throw away the large boxes and containers that such high priced goods as DVD players, video game equipment and other electronics are packaged in. They recommend that such boxes are carried to the curb on the morning of trash pickup because this will generally prevent criminals from getting an instant inventory of what they will find inside each home. They also remind people of the importance of shredding anything containing credit card numbers and personal information as these are the primary tools for identity theft.

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Travel Jobs in Speech Pathology

Travel jobs in speech pathology are booming in the US healthcare sector. These jobs are rewarding and lucrative options for those who wish to travel to exciting locations throughout the country.

Qualified candidates can work in a number of healthcare facilities including hospitals, rehabilitation clinics, home healthhappinesslifetime.com care agencies, long term treatment care centers, and many more. As per your preference, you can obtain full time, short term, temporary or permanent placements in all these facilities.

Speech Pathology Job Responsibilities

This job involves taking care of individuals of all age groups struggling with speech, voice, sound, articulation, communication, language and swallowing disorders. As part of the job, pathologists have to closely analyze and evaluate the intensity of the problem as well as develop treatment procedures that can enhance the communication skills of the patients.

To secure such jobs, the candidates must have a master's degree in speech-language pathology (SLP) and a state-issued license. To obtain travel jobs as speech pathology assistants, candidates must possess an associate degree or a certification program in speech-language pathology.

Benefits Associated With Travel Jobs in Speech Pathology

Along with excellent remuneration, the candidates can expect the following benefit packages:

? 401(k) retirement savings plan

? Section 125 Cafeteria plan

? Short term disability insurance

? Paid housing

? Travel allowances and completion bonuses

? Professional liability insurance

? Additional state licensure

? Continuing education

? Relocation expenses

Choose a Dependable Staffing Solution Provider

With the support of established healthcare staffing agencies, it is possible to find such travel jobs according to your unique requirements. The details of available opportunities can be obtained from their online jobs database, which is updated frequently. These agencies usually provide facilities for online application submission as well.

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Get Ahead In A Health Career As a Phlebotomist

Professionals in the health care field are always in demand. One reason for this scenario is the aging population, especially considering the vast baby boomers generation. With so many careers available in the medical field, it may be difficult to decide which one to pursue for a career. Hospitals, clinics, and doctor's offices are always in need of nurses, technicians, therapists, phlebotomists, laboratory workers, and other employees.

One interesting field to study is phlebotomy. A phlebotomist may be called on to draw blood to assist nurses and doctors or perform duties such as drawing blood and preparing it for the laboratory testing in hospital settings. To become qualified and employed in this field, students receive all-around training that can include patient relations, lab procedures, patient's record documentation and other aspects of this job that are required. A phlebotomist will also be eligible to work with non-profit agencies in blood drives, and are in demand at nursing homes, federal and state government facilities, and private health care companies.

As in most fields, the education level received by the employment seeker will determine their options and be a factor in the salary range. To enter the field of phlebotomy, at least a certificate is usually required. This can be accomplished through a program either in-class or on-line. To achieve superior skills and enhance your knowledge in this field, there are Associate's Degree or Bachelor's Degrees offered by accredited colleges. A higher education level does take longer and requires determination. Consider current circumstances and it may be an idea to start a career with a Certificate, and work towards a higher degree.

Even in times of high unemployment numbers, the health care field demand is great. Projections show the need for qualified personnel in the health care industry will increase over the years.

Though not all states require phlebotomytrainingcertification.org/phlebotomy-certification phlebotomy certification, having it will make you stand out from the rest of the crowd. Visit our blog now to discover your phlebotomytrainingcertification.org phlebotomy training options!

Caregivers - More Than Just Assistance

Many of us have aging parents that may be living alone. In today's society, families are often very busy with their own lives. At times, it may be difficult for families to understand how their aging parent may be feeling. Elderly people are often not encouraged to discuss their feeling, or may be reluctant to ask for emotional support or any assistance.

Today, more and more seniors are choosing to remain in their homes instead of placement in assisted living or nursing facilities. It is important then to make sure that they are still living healthy social lives. Caregivers can ensure that mom or dad still can play a vital role in the society. feeling useful and important can alliviate feelings of sadness.

Many elderly people may live alone, with no family support system whatsoever. Feeling isolated, many elderly people may become depressed. Often, even doctors may misdiagnose the signs of depression. Doctors, in my opinion should often take the time to encourage seniors to talk about their feelings as well as check their health. I feel that a doctor is the first and most important link to families in being able to notice any changes in a seniors mood or behavior. Especially if the doctor has been the primary health provider for a long time. Preventing depression should be very important to health providers when it comes to the elderly. Everybody seems more concerned with an elderly person staying physically healthy. But mental health is crucial to physical health.

A family member should take the time to speak to the doctor on behalf of their aging parent. Ask the doctor to take a few extra minutes to discuss mom or dads mental well-being and encourage them to express their feeling.

Many circumstances may play a role in an elderly person feeling depressed. Sudden loss of independence. Mobility issues. Sudden illness. On-going health issues. Worry over financial problems. Death of a spouse or isolation can all contribute to feelings of depression.

Sometimes we may just not realize or take into consideration how mom or dad may be feeling. We assume that everything is fine. Here are some signs of depression or changes to look for:

Loss of appetite

Weight loss

Loss of interest in daily activities

Loss of interest in family and friends

Loss of interest in going out

Sadness

Irritability

Increased sleeping habits

Difficulty sleeping

Poor Hygiene

Some elderly people may become depressed because they physically cannot do regular household tasks anymore and are reluctant to ask for help. Doctors should also discuss these issues with their aging adult patient and their family to help provide assistance and make life easier for their patient. Elderly people seem to listen to their doctors better than anyone else.

Providing a caregiver or assistance early on can be very important for elderly people to maintain their independence and continue to live a better quality of live. A caregiver can provide the assistance an individual may require as far as housekeeping goes. But retaining a qualified caregiver for mom or dad provides many important factors and plays a major role in an elderly persons live.

Today, caregivers are not just for assistance. A caregiver can help stimulate and keep mom or dad's mind and body to remain active. Having someone to participate in simple conversation and current events helps prevent the isolation that many elderly people feel. All of us, at any age want to feel important. We all want to know that we matter to someone. Eating alone is not as appetising as eating with someone. A caregiver can prepare nutritious meals and may sit and enjoy the meal with the elderly person. This ensures that the senior is eating healthy and eating. caregivers provide encouragement. They show an interest in the elderly persons life. Making sure that mom or dad keeps their medical appointments is an important part of a caregivers role. Caregivers are an important link between physicians, seniors and their families. They can encourage the elderly person to let their physician know how they are feeling or help explain their feelings or issues to their doctor. A caregiver provides moral support, a better sense of well-being and encouragement through any difficult times. Caregivers can help maintain mom or dads favorite interest, outings, acivities and keep them socialized. Statistics show that when assistance is provided to elderly people recuperating from a hospital stay, the rate of recuperation is quicker. The most important thing that families can do for their loved one in difficult times is to give the gift of a caregiver.

Martha is an advocate for families and aging adults. Providing senior home care services in the Lake County Illinois area and surrounding suburbs. We give aging adults the option and choice to remain in your own home. As the stages of your life change due to illness, on-going health issues or disability, you may sometimes require assistance. Whether it may be senior home care care, long term care, continuing care or recuperative care after a hospital stay. We can supplement your care needs as well. We are a comprehensive care resource. Our goal is to provide you with comfort, safety, guidance, independence and support. Services are offered for supplemental care to residents in nursing or assisted living facilities or in your own home. We offer affordable, hourly, daily, weekly, 24hr. live-in care. Visit us at heartsofgoldhomecare.com heartsofgoldhomecare.com for a list of services offered.

Medical Terminology - First Step on a New Career Path

In these days of economic uncertainty, career change is a hot button issue. As baby boomers retire and leave the work force, employers are concerned about the shortage of skilled workers. In addition, corporate cost cutting, off-shoring, layoffs, and forced career changes leave many workers with difficult choices. Gone are the days of one job and one employer for life. Following a career path today can mean maneuvering many twists and turns, setbacks, side roads, and blind alleys. Where is the roadmap to a new career that provides enrichment, stability and growth potential?

One of the best ways to ease some of the uncertainty and increase your marketability quotient is to broaden your skill set. Since continuing education is often required to maintain licenses and certifications, make those education hours do double duty. The right training can mean more opportunities in your current field, and serve as a stepping stone to a new career. But which industries offer the best chance for job stability and advancement?

It is predicted that expanding healthcare and healthcare-related industries will require many additional skilled workers in the coming decade. According to Forbes Magazine, "As well-heeled baby boomers age, look to the health care industry... (B)etween 2004 and 2014, seven of the 10 fastest-growing jobs in the U.S. will be in health care." In addition to careers directly involved in patient care, demand for support professionals such as medical records and health information technicians, therapists, counselors, and medical transcriptionists will increase.

A basic requirement for entry into almost any healthcare-related career is a command of medical terminology. The ability to recognize, understand, spell, and pronounce basic medical terms, identify medical abbreviations, and decipher unfamiliar words using roots, suffixes and prefixes is a necessary tool to perform well in any medical setting. Medical terminology courses are widely available in online, home study and instructor-led formats. Because medical technology advances rapidly, medical terminology evolves to keep pace. To stay on top of new terminology, consider taking the course again if you've taken it in the past.

The Department of Labor database lists seven nontraditional careers that require medical terminology:

Medical Transcriptionists - To understand and accurately transcribe dictated reports, medical transcriptionists must understand medical terminology, anatomy and physiology, diagnostic procedures, pharmacology, and treatment assessments. They also must be able to translate medical jargon and abbreviations into their expanded forms.

Medical Records and Health Information Technicians - In addition to general education, coursework requirements for medical records and health information technicians includes medical terminology, anatomy and physiology, legal aspects of health information, health data standards, coding and abstraction of data, statistics, database management, quality improvement methods, and computer science.

Surgical Technologists - Surgical technologists receive their training in formal programs offered by community and junior colleges, vocational schools, universities, hospitals, and the military. In 2006, the Commission on Accreditation of Allied Health Education Programs (CAAHEP) recognized more than 400 accredited training programs. Programs last from 9 to 24 months and lead to a certificate, diploma, or associate degree. Programs provide classroom education and supervised clinical experience. Students take courses in anatomy, physiology, microbiology, pharmacology, professional ethics, and medical terminology. Other topics covered include the care and safety of patients during surgery, sterile techniques, and surgical procedures. Students also learn to sterilize instruments; prevent and control infection; and handle special drugs, solutions, supplies, and equipment. Most employers prefer to hire certified technologists.

Occupational Therapist Assistants and Aides - There were 126 accredited occupational therapist assistant programs in 2007. The first year of study typically involves an introduction to health care, basic medical terminology, anatomy, and physiology. In the second year, courses are more rigorous and usually include occupational therapist courses in areas such as mental health, adult physical disabilities, gerontology, and pediatrics. Students also must complete 16 weeks of supervised fieldwork in a clinic or community setting.

Radiologic Technologists and Technicians - The Joint Review Committee on Education in Radiologic Technology accredits most formal training programs for the field. The committee accredited more than 600 radiography programs in 2007. The programs provide both classroom and clinical instruction in anatomy and physiology, patient care procedures, radiation physics, radiation protection, principles of imaging, medical terminology, positioning of patients, medical ethics, radiobiology, and pathology.

Medical Assistants - Postsecondary medical assisting programs are offered in vocational-technical high schools, postsecondary vocational schools, and community and junior colleges. Programs usually last either 1 year and result in a certificate or diploma, or 2 years and result in an associate degree. Courses cover anatomy, physiology, and medical terminology, as well as typing, transcription, recordkeeping, accounting, and insurance processing. Students learn laboratory techniques, clinical and diagnostic procedures, pharmaceutical principles, the administration of medications, and first aid. They also study office practices, patient relations, medical law, and ethics. There are various organizations that accredit medical assisting programs, and accredited programs often include an internship that provides practical experience in physicians' offices, hospitals, or other health care facilities.

Court Reporters - Candidates for first level court reporting certification - the CVR - must pass a written test of spelling, punctuation, vocabulary, legal and medical terminology and three 5-minute dictation and transcription examinations that test for speed, accuracy, and silence.

In addition to these fields, many other professionals can benefit from an corexcel.com/html/online.medical.terminology.htm understanding of medical terminology. Lawyers, paralegals, legal secretaries and other legal professionals handling cases involving medical-related issues are better able to litigate these cases when they understand the terminology involved. Health insurance professionals, as well as those working in medical billing and coding positions also benefit from a working knowledge of medical terminology.

Many agencies require certification in medical terminology for pharmacy technicians. Professionals and technicians of biology, dentistry, hospital administration and many others must properly utilize medical terminology to communicate with patients, staff, customers and colleagues. Therapists, technicians, counselors and home health care providers can improve communication, increase the quality of care to patients, and reduce oversights and liability issues with a clear understanding of medical terminology.

A course in medical terminology is a widely accessible means to broaden your skill set, boost your marketability, and increase opportunities for advancement in your current career while helping you map a route to exciting work in the healthcare industry. Doubling the value of your time and education leads to better employment that will enrich your life.

This article was authored by Donna Swanson. Donna is a Registered Nurse and the CE Program Developer for Corexcel, a company specializing in online continuing education and workplace training. For more information about Corexcel and the training materials they offer, visit corexcel.com corexcel.com

How to Proceed When Faced With Home Construction Flaws

The beautiful setting of the new housing development gave no hint that there was an ominous presence lurking in one of the just built homes. The Anderson's dream house was sitting on a beautiful lot and the landscaping was designed to highlight the many features that were customized to enhance their home. They had saved for many years to make this home a reality and could never imagine that they would be living a nightmare right after they moved into it when they discovered, thanks to having a Palm Springs mold analysis completed by a reputable company, that they had high levels of fungus in their home that was making their young son Luke very ill. Orange County indoor air quality had a reputation of being some of the purest in all of California and it was located right next to the county of Riverside where they now resided. How could this have happened and was there a remedy?

When people are faced with a problem like this it can be a daunting task to discover just where a contaminant is coming from and finding a way to get rid of it. Some common sense steps are a good place to start when confronted with an issue like the one described above.

If just one person in a household is being effected it is imperative that good medical attention is being administered. It's always possible that someone has severe allergies or is in some other way sensitive to common irritants that are unique to them and not the fault of the home's construction or location. By ruling this out first, it is possible to isolate the cause of the problem thereby saving time, frustration and money.

The local office of the Environmental Protection Agency is a tremendous asset in these kinds of situations as well. Their agents are trained to seek out any contaminants present in a home and also are brilliant in analyzing the surrounding property for environmental hazards that could affect one's health and well being. If anything is found to be a problem the EPA is a key advocate for the homeowner and a sure way to attend to having the problem taken care of in the quickest way possible.

A structural engineer is also a person who can be called upon to do a thorough examination of a property to look for any structural flaws. Sometimes builders have been known to take shortcuts in construction of homes to save time and money and that can lead to problems with drainage or buildup of fungal matter that can severely damage a person's health over the long term. Structural engineers are highly valued for their expertise in diagnosing building flaws and their findings are very necessary when a person is forced to seek legal aid in solving their problems.

Seeking legal counsel is a last resort but if a builder is at fault for poor construction and refuses to remedy the problem then legal action is required and should be considered. It is a costly process to correct building mistakes and the homeowner should be entitled to recover his costs because it occurred through no fault of his own.

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How To Place Yourself in the Secure Society

Identity theft has become the fastest growing criminal activity in the 20th Century, replacing illegal drug sales. For the perpetrators, it offers the highest profit margin with the least risk. In fact, according to one expert, it is estimated that fewer than 1-in-700-identity crimes actually result in a conviction.

In the United States alone, Identity theft has reached $53 billion dollars a year. Consumers are directly shouldering about $5 billion of that, but the rest, which is paid by businesses and retailers, is passed on indirectly to consumers who are paying more for goods and services.

How BIG is this Problem?

In recent months, there has been a rash of reports about big thefts, where criminals are stealing identities in mass quantities. Banks, credit card companies and businesses that house servers storing passwords or other sensitive, private information have all reported "break-ins" that happened through the use of Trojan viruses and other online hacking methods - resulting in the loss of millions of pieces of information being stolen. There have also been instances of the information just getting "lost", of employees selling it and other lax security measures resulting in the same thing - thieves having access to your identity.

What do Thieves Want?

- Your Name

- Date of Birth

- Home Address

- Phone Numbers

- Social Security Number

- Driver's License Number

- Credit Card Numbers

- CW2 Security Code (the number on the back of your credit card)

- Your Credit Report

- ATM Cards

- Telephone Calling Cards

- Mortgage Details

Where Are They Getting All Your Information?

High-tech methods include online thefts from:

- Banks

- Credit-Reference Agencies

- Retailers

- Credit Card Networks

- Data-Brokerage Companies

- Payment Processing Companies

- Phone Companies

- Schools

- Your Employer

- Doctors, Clinics and Health Departments

- Government Agencies

But there are still low-tech methods that are effective as well:

- Dumpster Diving

- Mail Theft

- Retail Theft

- "Phishing"/pretexting/pretending

- Purse/Wallet Theft

What are Thieves Using Your Information For?

- Making charges to your existing credit cards

- Opening new credit cards in your name

- Having phone or utilities turned on

- Withdrawing money from your existing bank accounts

- Employment purposes

- Driver's Licenses

- Tax Fraud

- Social Service benefits

- greeneasylife.com/StudentLoans Student loans

- Business or Personal loans

- Health care

- greeneasylife.com Mortgage loans/leases

- Auto loans

- Using your ID when caught committing a crime

How Can You Protect Yourself?

- Keep a photocopy of all your credit cards, bank account numbers and investment account numbers in a safe

place

- Keep your credit card receipts - don't throw them away in a public place

- Put a "fraud alert" on all your credit reports

- If you apply for credit and the card doesn't arrive on time, call the card issuer

- Choose difficult to guess PIN numbers or passwords. (Don't use birth dates, your mother's maiden name, pet's name, etc.)

- Never give personal information to anyone who sends you an email, a letter or calls you asking for it

- Shred any personal information - such as bills, credit card or bank statements, even pre-approved credit applications before throwing them away

- Don't use the ATM machine if someone is watching you

- Pay attention to what's going on around you - cell phones often have cameras in them. If someone is standing close by you with a cell phone while you're entering a PIN number at the ATM or in line at the grocery store, block their view

- Review your bills each month for unusual or suspicious charges. If there's something you don't remember or doesn't seem right, call the creditor right away

- Check your credit report at least once a year

- Store your cancelled checks safely, or better yet, have the bank do it.

You can always get a copy if you need

one.

- Don't leave your purse in plain sight when driving

- Keep your valuable locked in the trunk or glove box when driving

- Make all personal information on your laptop or computer password protected

- Don't carry information about your PIN numbers, passwords and account numbers in your purse or wallet; or at least don't make them easily identifiable as to which account they belong to

Warning Signs that Your Identity Has Been Stolen:

- Although you have good credit, a loan application is denied, or you're refused extended credit requests

- You are suddenly contacted by a debt-collection agency

- Your purse or wallet has been stolen, or your house broken into

- There is unfamiliar activity on your credit report

What to do if it Happens to You:

- If your purse or wallet is stolen, call the police immediately, and file a report. Make sure that you're given a report number

- Contact your bank, credit card and other credit extending companies and report the theft

- Close the accounts

- Contact the credit-reporting companies in your area, and report the theft.

- Review your credit report every 90 days for the next year for suspicious activity

- If there is fraudulent activity, have it removed immediately and monitor your credit report every 90 days for the next year

- Put everything in writing, and follow up with your credit card companies, banks, and credit reporting agencies. Keep copies of all supporting documents

- File a report with the Federal Trade Commission

- Change the passwords on your existing accounts and create new ones for new accounts

Identity theft is real, and it's a growing problem, and it could happen to you. Although there are no guarantees that you can keep your information safe, by paying attention to the risks and taking proactive steps to protect yourself, you can minimize your chances of someday having an "identity crisis". Good luck!

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Choosing The Right Water Treatment System For Your Home

Clean, pure water. Our bodies want and need, no, crave, this most precious resource. Living in the western world automatically puts us at an advantage, with developments of modern society providing healthy water to our homes for our use. But the reality of this situation isn't always so rosy when a potential quality issue sends us looking for a company that specializes in treating our household water. Safety, performance, and taste are all reasons to look for additional water treatment besides what is provided by your municipality. While some reasons can be damaging to our health and homes, others are more aesthetic, like taste and odor. Both are important and can impact our quality of life. But what should you look for in a water quality company? Is it reputable? Do their products actually perform as promised?

If "something in your water" has prompted you to shop for a water quality company or products, there are several things you must consider:

First, contact your local municipality

Your local water utility should be able to help you determine if it is even necessary to treat your water. Tap water providers are required to conduct frequent water quality testing and must inform their customers about the results of testing and quality issues. You know that report or statement that comes once per year from your utility company or city about your water? It may be worthwhile to actually read it!

Determine what issue(s) you are trying to tackle

If you are concerned about discoloration, deterioration of plumbing fixtures, and decreased performance of soaps and detergents, then you have "hard water". Hard water refers to excessively high mineral content in water. Generally speaking, mineral content in water is a good and healthy thing. But excessive amounts of minerals like calcium, magnesium, as well as other compounds are not household friendly. Mineral content can vary by geographical location. A reputable company can help you test for water hardness to determine if you need a whole house water softening system.

Your water concerns may be more aesthetic. While technically safe to drink, strong odors or tastes are commonplace in tap water and can be very off-putting. Odor can be due to high sulfur content. Additionally, as water utilities change the source of their water throughout the year from ground water aquifers to surface water like lakes or streams, taste can fluctuate. This may discourage you from maintaining proper hydration or drive you to purchase bottled water for drinking. Water is big business. In the US alone, $35 billion dollars is spent annually on bottled drinking water. In the US, 1500 plastic water bottles are consumed every second and 80% of these bottles will end up in landfills where they will never biodegrade. Water that could cost mere pennies from the tap is costing thousands and hits budgets hard. What you may need is the latest in environmentally friendly water quality systems that lead the industry for waste to good water ratios - 90% great tasting drinking water 10% is used in the process and not the other way around.

Perhaps you truly have a safety concern. It is not uncommon for tap water to be contaminated with metals, micro organisms, and chemicals. However, a more commonplace contaminate that may exist to some extent in nearly every home in America is lead. While lead is a naturally occurring element, it is usually not found in source ground water. It is our water delivery system that introduces lead to our tap water. Homes built before 1986 are more likely to contain problem plumbing. Lead pipes as well as solder used to join copper pipes, brass in faucets, coolers, and valves all contribute to elevated lead levels. Private wells fitted with parts that contain lead also pose a threat. A filtration system like reverse osmosis may be all you need at your kitchen sink.

Do Your Homework

One of the best things you can do is be proactive about selecting a company to help filter and treat your water. By doing your own research, you are in control and not at the mercy of the scare tactics employed by some less than ethical companies out there. Get educated - check out websites like NSF International, known for the development of standards, product testing and certification services in the areas of public health, safety and protection of the environment. This is a great place to start to learn about a variety of concerns about water quality.

Another great place to look is the Water Quality Association. WQA is a trade organization committed to providing up-to-date and accurate information about water quality as well as the companies and products intended to help and treat problems. You will want to be on the lookout for products that are certified to treat the issue(s) you have in your home. When a product is certified, it means that the model was tested in the WQA's laboratories and was found to meet the standards to reduce the specific contaminates in drinking water. Additionally, components are rigorously tested as well. Go to the websites of products and companies you are considering. Look at how long they have been in business - a company who has a 50+ year history of satisfied customers and clients will happily share this information on their company website. The BBB is a great place to look as well; watch for excessive complaints and unresolved conflicts. A reputable company will come to your home to test your water with no strings attached.

Signs of a Scam

Knowing that consumers are concerned about the safety and quality of their water, several companies prey on the fears of the uneducated user, selling products that don't do what they say, peddle misleading information or treat the wrong problem. Consider these red flags:

? A filter salesperson comes to your door with bleak news that your drinking water supply contains cancer-causing chemicals or that your water comes from recycled wastewater and you need to treat your entire house.

? A sales representative provides you with "scientific data" but will not provide the source of the research or balks at the idea of you checking out their claims and inviting them to come back afterwards

? A company tries to sell you testing kits and implies that your water contains high levels of contaminates without ever testing your water

? A company claims their filter product is approved by the Environmental Protection Agency (who doesn't actually test water quality products) and will help all your water problems or they claim that their filter is NSF Certified when in actuality the filter may be but the housing unit is not

? A company claims that the bottled water they will sell you comes from secluded lush springs deep in the woods of Western Washington or that their special vitamin or mineral water has special health benefits

? A salesperson comes to the door warning of a chemical spill near your water supply and they have been asked to go help outfit homes with their (very expensive, yet under performing) water filter to help the problem and prevent illness

Choosing a Water Quality Partner

If you have done your homework, you will not give in to pressure to buy overpriced, unreliable and untested water filter for your home. You have seen the evidence of water quality issues in your own home or have had a reputable company invited to your home to test for contaminates or hard water levels. You understand what kind of product you may need, whether it is a water softening system or a smaller system designed to treat just your drinking water at the sink. Make sure your company leaves you with literature so you can research their company, products, and ratings with the industry leaders like the WQA. Make sure you understand what you will be purchasing, that it takes care of your issues in your home, if it meets all safety standards, and is fully Gold Seal Certified by the WQA.

By understanding your needs, doing some homework, and working with a reputable and reliable company, you and your family should be able to safely enjoy water at the tap for many years to come.

M. Simpson writes for Boncor Water Systems. Boncor is a member of the Water Quality Association and the Pacific Water Quality Association. Boncor offers a wide range of residential and commercial/industrial water systems. They provide better service at a competitive price and work every day to provide quality service. boncor.com boncor.com/

Baby and Child Adoption Information-Expect 12 Steps to International or Domestic Agency Adoptions

When my wife and I decided on baby adoption as a way to build our family, we discovered that whether you adopt through an adoption agency or go private, adopt a child internationally (China or Guatemala, let's say) or domestically, you go through 12 basic steps.

Step 1. You begin by learning about your options.

You discover who can adopt in your state or province, what age you must be, how many years you must be married to be eligible (if at all), what kinds of children are available, and so on.

Step 2. You decide what kind of adoption you want.

Next, you pick the type and method of adoption you want. You choose between a domestic adoption and an international adoption. And you decide if you will adopt privately, through your government-run children's protective services agency, or through an adoption agency.

Step 3. You find the money, or at least start.

International adoption is expensive, and private adoption can cost a fair amount as well. During this stage, you look at options for financing your adoption (loans, second mortgage, second job, grants, fundraisers).

Step 4. You choose your intermediary, whether adoption agency, facilitator or lawyer.

All adoptions in Canada and the United States, even private adoptions, are required by law to involve a social worker and lawyer at some stage.

Step 5. You complete an agency application form.

If you are adopting through an adoption agency, you complete their (lengthy!) application procedure. You interview with their staff, and discuss your goals and options.

Step 6. You complete your homestudy.

Regardless of the type of adoption you have chosen (private, facilitated, agency), you must complete a homestudy. A homestudy is both a process and a document that the government requires of all adoptive parents. It involves an inspection of your home, extensive questioning about your childhood, marriage, income and ability to parent, medicals and police checks.

Step 7. You participate in adoption classes.

If you are fostering, or adopting through the state, and even if you are adopting from abroad, you will take some introductory classes that prepare you for the arrival of your baby.

Step 8. You find your child, or have one selected for you.

This is perhaps the most exciting and exhausting stage, as it may take you weeks or months to find the child you are searching for, or for your agency to find that child for you. This step may involve meeting the birthparents.

Step 9. You prepare for your child's homecoming.

You buy a crib, diapers, formula, bottles, soothers, baby toys, and receive the, from family and friends. You read up on baby care.

Step 10. You receive your baby.

The big day arrives! An agency worker of person acting in an official capacity gives you your adopted child, you sign some papers, and head home with a brand new person strapped into a new card seat in your car. You pinch yourself a few times, believe me!

Step 11. You file a petition to adopt and finalize your adoption.

This is the formal procedure that you undergo to "petition" the government to adopt your new child. One day you go to court and sign a piece of paper, and your child is suddenly, legally yours, and you are suddenly, legally theirs. Take a book of Kleenex!

Step 12. You celebrate.

If you are like my wife and I, you throw a big party to celebrate your adoption finalization. It's like a second baby shower.

These steps, with a few changes here and there, are typical of all adoptions. Enjoy them!

Alan Sharpe adopted two boys and hasn't been the same since. He's thinking of creating a website and newsletter to help parents find adoption information about international child and baby adoption and other options.

Did You Select the Right Home Insurance Company?

The uncertainty of global conditions continue to grow with the continuous and increased mobility in our lives, the meaning of insurance will become more shine. The first thing you think of when talking about home insurance is an insurance premium from the house itself. This is very important and always the first thing that came to our minds, because this is a major part of your expenses. So often times, people tend to ignore the importance of the insurance policy but that kind of thinking has dangerous consequences.

Tips To Choosing The Right Insurance Company

However, that was not always this provision will be guaranteed to you under all policies. Therefore, choosing home insurance the most suitable and the company or agency that will offer affordable policy that best fits your needs and your situation.

The following tips can be a consideration for you before choosing an insurance company directly either:

- Never make a purchase in a hurry. For example, buy a policy without the proper research of your home insurance company.

- Review carefully several insurance companies that offer home insurance so that you get a lot of information choices. And select a reliable company and are quite credible.

- Do not ever think that the most popular insurance agent is always best for you. Often times, a local company may be better for you if you feel comfortable with their policies.

- Saving accounts at insurance companies; shopping online is the best way to keep yourself posted from a different insurance agent about insurance provisions.

- Customer service department will provide a reliable insight to the quality of insurance company.

If the above points be done carefully, it will not be too difficult to get a home insurance agent is right. It may seem difficult as finding a needle in a haystack, but we need to remember that choosing a home insurance agent is essential. Insurance is a serious business and rational. To make decisions, someone must be systematic. He must be careful and full consideration to get the right insurance agent. From the insurance agent, it can maximize the opportunities and provide the best policy that meets its needs.

So, now you have to make preparations for selecting a good home insurance. By choosing the right insurance company, then you will get benefits and long-term protection that you can enjoy.

Good luck to you.

For further information, you can visit home-insurance.co.tv home-insurance.co.tv.

Choosing a Home Watch Service - Do They Accept Credit Cards?

You have made the important decision to use a professional home watch service when you are leaving your home empty for months at a time. Now you must choose a service that is proven, capable, and can be trusted with that small fortune you own called a seasonal home. Many people do not realize the value of their home before giving it to someone to watch. Just as you would exercise care, due diligence, and research in selecting an investment advisor for a retirement portfolio, you must perform this same research when you choose a home watch service.

There are many wannabe and 'fly-by-night' people who claim to have a home watch service. One of the ways to separate the wheat from the chaff is to find out if the company accepts credit cards. This is important for three reasons:

It demonstrates that the Company you are considering has enough credibility that a credit card company is willing to extend it credit.
It demonstrates that a company is operating according to common business and government rules as opposed to collecting only cash without reporting it for taxation or other purposes.
It indicates a Company that is planning on being around for some time, as the investment in credit card handling can be burdensome.

Let's look at each of these points in more detail.

The first point is important because it means an outside agency has determined that the Company you are considering has adequate credit references, is an ongoing business, and has the methods in place to conduct business to the credit card company's higher standards. This says a lot about the owners of the business and is a secondary endorsement of the credibility. Not every business can qualify to accept credit cards. Many will claim that they do not accept credit cards for other reasons, but in today's environment, any business that is customer service oriented accepts some type card payment scheme. If not, there is every chance that the next point is in play.

The second reason you should ensure the home watch Company you are interviewing accepts credit cards is to ensure that this is an 'above board' business. There are many examples of cash only businesses that are not licensed or insured (a different discussion) and are hiding their income from the government. You do not want to operate with people in this situation for two reasons. First, if they cannot be trusted in this area, how can be trusted with your home? Secondly, when they are hauled into court for tax evasion, do you want to be subpoenaed to appear to support the government's case? Honesty is always the best policy and a cash-only business, more often than not, is not an ongoing concern that is operating within the tax laws. You pay taxes- and they should, too.

Finally, gaining the ability to accept credit cards is a simple sign that the owner is a customer service oriented person who intends to be around for many years. While a cash- only home watch company will shut down at the first sniff from a tax agency, a business person dedicated to the trade will do everything possible to meet and exceed their customer's needs. This includes commonly accepting credit cards.

As you evaluate the companies and representatives that come to your door seeking to manage your valuable home, you can reliably use credit card acceptance as one indicator of a professionally managed business that cares about you. Combine this with other signs to pick the best choice and enjoy months without worrying about your seasonal home.

Mark Mehling, known as 'MarktheHomeWatchGuy', is one of America's Premiere Experts and author of the leading book "Leaving Your Home-ALONE". Purchase the book at buythebook.thehomewatchguy.com buythebook.thehomewatchguy.com/. Anyone leaving a home empty for months at a time should visit thehomewatchguy.com thehomewatchguy.com to learn how to protect the property when it is unoccupied.

11 Points For Mental Health Care Reform

Due to greater understanding of how many Americans live with mental illnesses and addiction disorders and how expensive the total healthcare expenditures are for this group, we have reached a critical tipping point when it comes to healthcare reform. We understand the importance of treating the healthcare needs of individuals with serious mental illnesses and responding to the behavioral healthcare needs of all Americans. This is creating a series of exciting opportunities for the behavioral health community and a series of unprecedented challenges mental-health organizations across the U.S. are determined to provide expertise and leadership that supports member organizations, federal agencies, states, health plans, and consumer groups in ensuring that the key issues facing persons with mental-health and substance use disorders are properly addressed and integrated into healthcare reform.

In anticipation of parity and mental healthcare reform legislation, the many national and community mental health organizations have been thinking, meeting and writing for well over a year. Their work continues and their outputs guide those organizations lobbying for government healthcare reform..

MENTAL HEALTH SERVICE DELIVERY

1. Mental Health/Substance Use Health Provider Capacity Building: Community mental health and substance use treatment organizations, group practices, and individual clinicians will need to improve their ability to provide measurable, high-performing, prevention, early intervention, recovery and wellness oriented services and supports.

2. Person-Centered Healthcare Homes: There will be much greater demand for integrating mental health and substance use clinicians into primary care practices and primary care providers into mental health and substance use treatment organizations, using emerging and best practice clinical models and robust linkages between primary care and specialty behavioral healthcare.

3. Peer Counselors and Consumer Operated Services: We will see expansion of consumer-operated services and integration of peers into the mental health and substance use workforce and service array, underscoring the critical role these efforts play in supporting the recovery and wellness of persons with mental health and substance use disorders.

4. Mental Health Clinic Guidelines: The pace of development and dissemination of mental health and substance use clinical guidelines and clinical tools will increase with support from the new Patient-Centered Outcomes Research Institute and other research and implementation efforts. Of course, part of this initiative includes helping mental illness patients thenationalcouncil.org/cs/resources_programs/find_a_provider?state=MD find a mental health clinic nearby.

MENTAL HEALTH SYSTEM MANAGEMENT

5. Medicaid Expansion and Health Insurance Exchanges: States will need to undertake major change processes to improve the quality and value of mental health and substance use services at parity as they redesign their Medicaid systems to prepare for expansion and design Health Insurance Exchanges. Provider organizations will need to be able to work with new Medicaid designs and contract with and bill services through the Exchanges.

6. Employer-Sponsored Health Plans and Parity: Employers and benefits managers will need to redefine how to use behavioral health services to address absenteeism and presenteeism and develop a more resilient and productive workforce. Provider organizations will need to tailor their service offerings to meet employer needs and work with their contracting and billing systems.

7. Accountable Care Organizations and Health Plan Redesign: Payers will encourage and in some cases mandate the development of new management structures that support healthcare reform including Accountable Care Organizations and health plan redesign, providing guidance on how mental health and substance use should be included to improve quality and better manage total healthcare expenditures. Provider organizations should take part in and become owners of ACOs that develop in their communities.

MENTAL HEALTHCARE INFRASTRUCTURE

8. Quality Improvement for Mental Healthcare: Organizations including the National Quality Forum will accelerate the development of a national quality improvement strategy that contains mental-health and substance use performance measures that will be used to improve delivery of mental-health and substance use services, patient health outcomes, and population health and manage costs. Provider organizations will need to develop the infrastructure to operate within this framework.

9. Health Information Technology: Federal and state HIT initiatives need to reflect the importance of mental-health and substance use services and include mental-health and substance use providers and data requirements in funding, design work, and infrastructure development. Provider organizations will need to be able to implement electronic health records and patient registries and connect these systems to community health information networks and health information exchanges.

10. Healthcare Payment Reform: Payers and health plans will need to design and implement new payment mechanisms including case rates and capitation that contain value-based purchasing and value-based insurance design strategies that are appropriate for persons with mental health and substance use disorders. Providers will need to adapt their practice management and billing systems and work processes in order to work with these new mechanisms.

11. Workforce Development: Major efforts including work of the new Workforce Advisory Committee will be needed to develop a national workforce strategy to meet the needs of persons with mental health and substance use disorder including expansion of peer counselors. Provider organizations will need to participate in these efforts and be ready to ramp up their workforce to meet unfolding demand.

Linda Rosenberg is the president and CEO of the National Council for Community Behavioral Healthcare. TNC specializes in lobbying for research toward the diagnosis and treatment of mental illnesses. Lean more at thenationalcouncil.org thenationalcouncil.org.

Getting a Security Company to Protect Your Home and Business

Perth, being one of the largest cities in Australia, is one of the best places to live in. You will not have to worry about the accessibility of everything you need in your life. There are job opportunities, good places for recreation and relaxation and great educational institutions to choose from. But also, being one of the most populous in Australia, it is also where one should be careful of your security. Not just of yourself but also of the whole family and household.

Although Perth crime rates is not high, it is always to better to invest in security and make sure that you have taken into consideration the safety of everyone and everything than being left sorry and bawling in the end because you have taken for granted that one necessity in a man's survival. Security.

Security in the city of Perth is not difficult to find. You can opt to have security guards in your place s you will have a better night sleep because you know that someone is watching over you and your place while you are sleeping. In getting security guard, just make sure that the company that you are dealing with is nationally accredited and recognize. Make sure to research about the company and check for testimonials before getting one. You would not want to pay for something, which cannot give you the security service that you are paying for. Since Perth is one good city to live in, one of its perks is that they have duly able security agencies, which can offer you the best services you need and want for your home and / or your business.

All you have to do is look into these different companies, which offers great services. Do not hesitate to visit and ask question to more than one company. Compare each company's services, ask for the services they will provide, ask about the trainings their people have gone through. If you are not that comfortable about getting security guards, you can choose to avail and get other security measures like security doors, windows and security alarm systems. Perth, being known as one of the most populated, successful and busy cities in Australia, has the best security alarm systems, security doors an d other materials to ensure security and safety of everyone.

If you have your own business, getting a security guard is a must and having other security materials should be considered. There are providers of good security alarms and doors which definitely cannot be burglarized by people who chose to get money the easy but dirty way out. Sometimes, getting your business' door locked is not enough. You should invest in getting a great quality security doors and / or rollers. CCTVs and alarm systems are also highly recommended, not just for business but for household as well. Having this device will make those robbers think twice about breaking into you business or house. If you have these security measures in your business and in your house, you will not have to worry about anything else. Just make sure that you have chosen the right company to get the services you need. You may find the prizes outrageous at first, but you have to think that the safety of everyone and everything important for you, the things and people you have worked hard for to get have no price at all. You do not give a price to everyone's safety.

Isn't it better to sleep soundly at night? Without having to worry about the robbers who could get into your business, or without having to worry about burglars who can get into your house and d something bad to you and your family. Security in the city of Perth is one of the reasons why although it is one of most populous cities, many still want to live in there. There are many reliable security services, which can make your life worry free.

MCS Security are a mcssecurity.com.au security company in Perth. There experience in the Perth area makes them one of the finest security companies. Contact MCS Security for more information on Perth Security and how they can help you - (08) 9301 2420.

5 Tips For a Successful Demo

In-store demonstrations are probably the best single tool that brand managers can use to accelerate consumer take-away of their products, through one-to-one sampling or couponing at the point of purchase. Demonstrations can be targeted to designated stores, chains, and geographic areas. They are particularly effective in launching new products needing to secure a permanent home in retail. Product sampling goes beyond same day sales with strong impact on future purchases. 81% of people who bought the product after sampling plan to buy it again in the future. Sales can increase by up to 400% from in store demos! However demonstrations can be a large investment and should be carefully planned. Here are 5 tips to create a successful product demonstration program.

1. Plan your coverage sensibly

With 68% of in store purchases being impulses, in store demonstrations are undeniably attractive as a marketing method. However, it is not always cost effective to use your budget on all stores. You should take time to analyze the store lists and target certain stores based on demographics or volume that best matches your target audience.

2. Coordinate inventory and displays

Demos should be scheduled in accounts that support them with displays and additional merchandise on the retail floor. Demonstrators should be located in the closest high traffic area to the product while not blocking the view of the product being promoted.

3. Enhance Sales with coupons

For your product to stand out more during the demonstration coupons and brochures really enhance sales. Find out what the typical traffic flow is in that store for that number of hours and plan on having at least 50% of that number in coupons. For example, if a drug chain normally rings up 25 stores per hour, you would need at least 50 coupons for a 4 hour demo.

4. Train the demonstrator

Remember that the demonstrator is representing your company to the consumer. The consumer thinks they are the expert on your brand. An experience demonstrator knows how to sell the benefits and not confuse consumers with too much technical information and should be well informed on your product to have confidence while performing the demo. Product sent to the demonstrators should not be detailed marketing facts, but rather the information needed to impart to consumers. Product training information should be under 2 pages and include great selling tips. 70% of purchase decisions are made in store, so the extra effort definitely has its rewards.

5. Use a company that understands your products and the chain

Did you know that the CosPro Agency has access to over 1000 make up artists with at least 2 years of experience? Our special 3 step training program insures that every demonstrator is prepared before they show up at the store. In addition, we have approved programs at Walgreens, Kmart, Sears, Rite Aid and others that can simplify the whole demo process. Call the CosPro Agency for information on one of our customized in store demo programs.

Nursing Provides You With Job Security and Income

When searching for a job, most people would want to have a job that will earn them a good amount of money. What most people fail to look at is the security that they will get in their job. If you want the best of both worlds ,then nursing is the right career for you. The nursing career provides two things for you good income and job security. These are the things which people would always want once they have started working.

Nursing has been one of the growing careers through time and more and more job opportunities have been opening for them. The demand for nurses is so high that even of a lot of people are studying to be a nurse, there is still a lack in the supply of nurses. So no matter what kind of nurse you are, there will surely be job for you.

A nurse is someone who basically takes care of the people. They are in charge of the welfare of their patients who are recovering from sickness and disease. They work with a health team which specializes on this matter. They are usually tasked to work with a doctor to ensure the proper medication and care is given to their patients.

Once a nurse has earned her B.S. Nursing degree, she can now look for an entry-level job. Being a registered nurse can either work or continue their studies. There are a lot of nurses who have upgrade their degree into an master's degree in nursing and eventually to being a Ph.D. These increase the skilled nurses who can work for the country.

A licensed practical nurse (LPN) is someone who want to serve as a nurse but do not have a nursing degree. They are only required to undergo a practical nursing program and pass the licensure exam.

As their name implies, a license practical nurse takes care of their patients. They provide care as well as check the overall condition of their patients. They are in charge of taking blood pressure, temperature, pulse rates and other things that is needed for the check up of the patients. They are tasked to give medication and check if any allergic reactions occur to the patients.

They assist the patients if there are things that they need like a massage, ice pack application, hot water bottles or basic grooming. LPN's assist their patients when they need to change their clothes, take a bath, eat and other things which they need assistance in doing. They basically do a routine check up on the patients while ensuring the care that they need. LPN's also provide emotional care for the patients. If they patients feel alone, then the nurses will be there to cheer them up or talk to them. They can also serve as a friend to their patients.

They can work in agencies which provide care to the elderly. They do help the older patients to recover from sickness as well as guide them with their daily activities. The elderly need special care in all aspects so they nurses can guide them in whatever they do. Even if they do not need 2/7 surveillance, it helps to have a nurse take care of them. They also have to consult with doctors about the medications that they will give their patients. These places are often housing facilities which require the nurse to stay in the place.

In clinics and hospitals, LPN's can work as the doctor's assistant. Oftentimes, their job includes keeping records and scheduling appointments. Also, they can be assistants in operations of doctors. They are the ones whom you see assisting the doctors in check-ups, minor surgeries and other hands-on practices. This can be a good job for nurses who really want to practice what they have learned when they are studying. Although this can be a difficult job, there are things which nurses can learn along the way.

Rehabilitation centers also need nurses for the recovery of their patients. Rehabilitation centers usually take in patients who are injured because of sports or accidents. The rehabilitation stay can be long and that it can really be a hassle for patients. Nurses are there to give them medication for their wounds. They are also in charge of helping the patients go through therapy. Basically they assist the patients into full recovery. This can be a fulfilling experience for nurses, to be part of the recovery process of someone.

Since nurses are a part of the medical team, they too can work in the research field. They can contribute to the existing knowledge about nursing. Of course, nursing is also a science and nurses just do not do what the doctor tells them to do. Research s something which should be done continuously, so working in the research field is always in demand.

Choosing a job in nursing can really be confusing because of all the options that there is to choose from. It is up to you whether you want to work in a hands on job, continue studying or even in research. Nursing is a career which provides job security to the people taking it up. If a nurse leaves a job, she will be sure that another job will b e available for her. She does not need to worry about it. The pay is good for nurses which is just the right amount for the services that they give.

If you are finding a career, you may want to try being a nurse. As young as you are, try to get a nursing degree and you will sure get the satisfaction of being a nurse. If you think you are too old, then try being an LPN, you will still get to help other people and be a nurse if you want to. So no matter what your reason is for being a nurse, remember this career is growing and will provide you with the job security and income which you have always dreamed of.

For More Information See: How to startanursinghome.com How to start a nursing agency visit startanursinghome.com startanursinghome.com

Old Debts and Collection Lawsuits

If you've started receiving collection calls over debts so old that you no longer remember them, you may have just stepped into the insidious world of the junk debt buyer. Junk debt buyers purchase your old debts from collection agencies that have given up on ever collecting from you and written the debts off as "worthless." Usually, these debts are seven to ten years old or even older.

Each state has a preset time period during which any creditor may file a lawsuit in the hopes of recovering an unpaid debt. This is known as the state's statute of limitations for debt collection. If the creditor opts not to file a lawsuit during this period of time, the debt itself becomes time-barred. One of the key tactics junk debt buyers use when pursuing these debts is to file lawsuits anyway.

Filing a lawsuit anyway can have several different results. If you receive a summons notifying you of the impending court case, you may appear in court and inform the judge that the debt is, in fact, time-barred. The judge will then ask the plaintiff for proof that the debt is enforceable. When the junk debt buyer cannot provide that proof, the judge will dismiss the case.

Unfortunately, if you either do not receive a summons or do not respond to the summons that you do receive, the judge in the case has no way of knowing that the debt is not legally enforceable. This will result in the plaintiff winning its case and obtaining a legal judgment against you. The legal judgment, in turn, gives the junk debt buyer the right to request a wage garnishment, bank account garnishment and, in some states, even a property lien against your home. Judgments are far more difficult to fight than original lawsuits, so take care to always respond to any summons that you receive.

Ciele Edwards has over ten years experience helping consumers deal with debt collectors and protect their money. For more information on collection agencies, collectionagencydebt.blogspot.com/2010/07/difference-between-junk-debt-buyers-and.html junk debt buyers and how to protect yourself, visit collectionagencydebt.blogspot.com Collection Agency Debt

Senior Home Care - Your Ultimate Guide

Is your mom advancing in years and starting to show signs of forgetfulness and slight physical weaknesses, including inability to go to the toilet unassisted, that you're starting to get worried that there's no one to watch over her while you juggle work with all your other responsibilities?

Senior home care, which provides services that are not medical in nature, just may be the answer you are looking for. It's the closest you can get to providing her with vital assistance in daily tasks like taking a bath and eating, along with the much-needed day-to-day companionship.

To ensure that she'll actually be getting utmost professional care, personally visit some agencies to check its track record and get some idea on the kind of training which staff members get, and whether a registered nurse supervises the caregivers. It is also advisable to check if the home care agency may be paid through a health insurance plan.

Bear in mind that home caregivers are not about to take on doctor-prescribed medical care, nor handle household chores like house cleaning, but are trained to focus on in-home client care while ensuring that all's safe with the patient. Administering medication is also outside the scope of responsibilities of some senior home care aides.

In choosing a senior home care agency, it's important to choose one which will meet your aging family member's basic needs and realistic expectations. Will you require a caregiver who must accompany or drive your mom to her medical check-ups? Does the agency have in its employ a caregiver specializing in memory impairing illnesses? Most caregivers may be relied on for hands-on care. A geriatric care manager with a background in nursing or psychology may better handle responsibilities like spotting forthcoming health conditions.

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Restoring the Health Care Market System

The Private Sector Can Do It With The Correct Guiding Policies

The private medical health care system is not broken. It provides excellent care for patients. What is broken is the cost of the service.

Before health insurance use became wide spread, the market determined prices. The doctor would determine what price he could provide the service for. The patient would determine if he/she was willing and able to pay the price. When a third party became involved, such as an insurance company or the government, the price rose to the amount of the third party's ability to pay.

The government decided to increase the number of people that were purchasing health insurance. Lobbied by the insurance companies, business and the medical industry the government decided to make the health insurance premiums tax deductible for businesses and individuals. Of course this set off a furry of creating health insurance policies that had very low deductibles.

The problem of higher medical cost each year is created when the insurance companies are able to rise insurance premiums each year to pay for the higher prices of the medical establishment. Higher medical cost are also caused by low deductible insurance policies.

When the patient uses the insurance policy's benefits, he/she is not concerned about the price of the medical services, only the fact that they are proud of themselves for making the wise chose of purchasing health insurance and that he/she is getting their money's worth. This attitude of the consumer, allows prices to increase. If they have chosen a low deductible insurance policy and it is totally or partial paid for by the employer, they are even further disconnected from feeling the cost of the medical expense. The fact that he/she or the business is allowed a tax deduction, equal to the amount of the annual premiums, takes away from the premium payer any desire to comparison shop.

It would be better to increase the deductible amount and encourage the use of Health Savings Accounts (HSAs). HSAs should be completely tax-deductible up to the amount of the annual insurance deductible amount each year. The government created HSAs to encourage people to save money for future medical expenses and encourage the use of high deductible health insurance policies. Health insurance premiums should not be tax-deductible by employers and private citizens.

To level out the cost of the health insurance premiums, the private citizens and the self-employed should pay the same amount as the employers and employees of large businesses. The insurance companies should be encouraged to make this change so more people would buy health insurance and the insurance companies could lower premiums by spreading the risk over a larger number of. people.

With health insurance premiums being non tax deductible, the employers, private citizens and the self-employed will be more likely to comparison shop for the best deal on health insurance premiums and policy benefits. It will encourage the insurance companies to be more diligent in their negations with the medical industry, because the purchaser of the health insurance would be more sensitive to the price of the premiums. As more people purchase health insurance, the insurance companies would be at less risk of having to pay out money for benefits, therefore would be able to lower health insurance policies premiums.

HSA health insurance policies should be used all across the country, so we do not repeat the same mistakes of the past. Preventive care benefits should be available without the payment of a deductible amount.

HMOs and government run health programs are slow to provide services because a medical board or primary doctor must first approve medical procedures. Other countries central run medical programs have shown this to be true.

The insurance companies should not be allowed to deny medical insurance to a patient with preexisting conditions. It is best to include the entire population into the medical insurance system, in that way the risk is spread over the largest amount of citizens.

Since the deductible amount will increase with this plan, instead of the government paying directly for 100% of the medical expenses of the working poor, it should match dollar for dollar, each dollar placed in the HSA by the person or family, up to the deductible amount. The same policy should be applied to the insurance premiums. The money could only be removed, with a debit card, used by an approved and willing medical office or hospital with the approval of the patient. Both the patient and the medical facility would have to enter their pin number to have the money removed from the HSA.

If a person does not have an immediate life threatening illness or injury, the hospital should be allowed and be encouraged to deny the patient medical attention after being seen by a doctor, intern or nurse in a screening room. The hospital should then give the patient directions and availability information of the nearest urgent care unit. Advice to see a doctor the next day usually is not good advise because of the appointment system doctor's use.

Computers can also be created to send vital signs to a doctor or nurse so they can determine if there is an emergency.

With the patient responsible for paying the bill, out of their HSA, because of the high deductible, they will be encouraged not to abuse the system and seek help at the appropriate facility. Hospital emergency rooms would then be available for patients that have a life threatening illness or injury.

The treatment of non-life threatening illnesses or injuries in the hospital emergency rooms is a major money stream for hospitals. Hospitals should be denied payment if they do not follow this policy change.

Unless all people involved, from the patient, doctor, to the hospital, have a little "skin" involved, the price of health care will continue to rise at a faster rate than other cost in the economy. A perfect example of this is the home mortgage industry. The banks, mortgage brokers and financial institutions were not exposed to the risk and the eventual cost of the housing bubble after they sold the mortgages to investors and government supported agencies.

The private medical health care system is not broken. It provides excellent care for patients. What is broken is the cost of the service.

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Confused About Choosing a Home Security System?

When you decide that you are going to purchase a home security system, this is a huge decision. Not only are you investing in the system monetarily, but you are also putting the safety of your family into the hands of this system. So, it is so important that you take a close look at your options before you make your purchase.

There are so many different systems to choose from. You can go with wireless systems or wired options. There are entryway sensors or you can have a system that includes security cameras as well. You can monitor your own system or have it monitored by someone else.

So many features are available, and the more features you go with, the more you are going to pay. However, if you really want to save some money, installing the system on your own is a great way that you can save about 40-50% of the cost, which is a huge savings.

If you are going to install a home security system on your own, usually it is a lot easier to install those systems that are wireless. With just a few tools, most people find it pretty easy to get the system installed. Although you will pay more for a wireless system than a wired one, when you install it yourself, you can still end up saving in the long run.

Another thing to consider is that if you are going to have a system that is monitored by an outside agency, it can be a bit more difficult to install your system. In this case, it may be the best option to get a professional to deal with the installation of this system.

Do you have a large home with many valuables on the inside? If this is the case, you may not want to do this yourself. In fact, you may want to consider going with an especially designed system that will be perfect for your needs. A company that deals in security can handle this for you.

In most cases, if you have larger areas and you need a special system that is designed for your needs, the company will handle this for you. They will install everything, wire it up, and program it. This is a great choice, because when you have a large area to deal with, you may end up dealing with pretty complicated issues.

As you can see, there are so many options available. It is important that you decide to take time to compare options and find out what you need for your home. The security for your home is extremely important and you don't want to make the wrong choice. Choose carefully and decide whether you can install it yourself. If you don't feel comfortable doing so, go with professional installation to ensure everything is done correctly.

So now that you are ready to check out home security camera systems, consider one that includes outdoorsecuritycamerasystemchoice.com/Outdoor-Wireless-Security-Camera.html outdoor wireless security cameras. There are many different models to pick from like a outdoorsecuritycamerasystemchoice.com/Lorex-Security-Camera.html Lorex security camera.

Reverse Mortgage Questions - Here's the Most Common Questions Asked About Reverse Mortgages

Signing a reverse mortgage is a big commitment. Just like any other contract, there are terms and conditions that you may not understand, and they could cost you money in the future if you're not careful. So be prepared; don't sign on any contract until you're sure that any questions you may have are answered.

Why should I choose a reverse home mortgage over a standard bank loan or mortgage?

A reverse home mortgage is geared towards those who have already exited the workforce, and therefore don't have a regular income. A loan or mortgage requires you to pay back the loan over time, where as a reverse mortgage is not paid until the home has been sold or the last surviving owner passes away.

How do I qualify?

There are a few requirements: You must be 62 years old or older, own your home or dwelling, it must be your main residence, and it must meet certain property standards. If you and the property you intend to mortgage fit within these guidelines, you qualify for the mortgage.

Will this income affect other benefits I receive such as Medicare or Social Security?

A reverse home greeneasylife.com equity loan will have no effect on your benefits. Since it is not considered income, and concurrently is not taxed, it will not have an effect on SSI or Medicare payments. It is a supplement to your current benefits, rather than a replacement.

If I outlive my loan, can the lending company or agency take my home away?

Since you can never owe more than the value of the loan, you will not to pay the loan as long as a borrower is alive and taxes and insurance on the house is kept up to date.

Thank you for reading our latest article on the mortgage industry. If you would like to get more dailywisdom4u.com/reverse-mortgage-pros-and-cons.html reverse mortgage facts, then drop by our website at dailywisdom4u.com dailywisdom4u.com and give us a buzz. Your feedback is always welcome.

How You Can Reduce the Level of Radon Gas in Your Property

Radon is a radioactive, tasteless, odorless, and colorless gas that occurs naturally. It is considered to be hazardous to health because of its radioactivity. This element can accumulate inside structures, particularly in confined spaces, such as basements and attics. Because of its dangerous nature, it is crucial to hire a specialist to take care of this matter before you purchase a home in Mckinney real estate.

Levels of radon gas can be reduced by means if mitigation, which is a process that moderates or makes the gas less critical. There are various methods of radon mitigation; some keep the gas from going inside the house, while the other techniques lower the levels once it is inside.

According to the recommendation of the United States Environmental Protection Agency or EPA, radon mitigation techniques are required to be utilized if the level of the gas in the home reached more than 4 pCi/L or 0.02 working levels (WL).

Some of the most commonly used radon mitigation techniques include, but are not limited to, the following:

1. Soil Suction - This technique is carried out by means of extracting radon gas from underneath the house and then venting it out through pipes.

2. Sealing Openings and Cracks - In general, if this method is used alone, it cannot reduce the levels of radon. Sealing is usually utilized to support the other types of methods and make them more efficient, since it only restricts the flow of the radon gas inside a home and lowers the loss of air that has already been conditioned.

3. House Pressurization - This type of mitigation method makes use of a fan to create differences in pressure that assist in preventing the gas from going in the house.

4. Heat Recovery Ventilator or HRV - A method that uses this system increases ventilation by making use of the cooled or heated air being utilized to cool or warm the air entering inside. This heat recovery ventilator system is most efficient when it is utilized to circulate the air in the basement only. The expenses of cooling and heating will most probably increase if this is used.

It is possible that the radon gas in the homes comes from the water supply. If this is the case, you do not need to worry because there are means to fix this problem. There are available treatments that get rid of radon from the water before it goes into the home; such remedies use aeration devices or charcoal filters. The other techniques utilize point-of-use devices in which the gas is eliminated at the valve, so it would not be consumed. However, such tools do not reduce radon in unfiltered valves, such as tubs, laundry areas, and showers. This may possibly make the levels of radon gas remain high in the air inside the house.

If you are purchasing a property among the available Mckinney homes for sale, its advisable to get a mitigation contractor to inspect for radon in the home. Once it is detected, as well as how it enters, the contractor will give a recommendation on the radon reduction system that will best suit the house. Installing such systems may cost from $1,000 up to $2,500.

Krista Archuleta is a freelance writer who specializes in writing content about real estate, business and investment. Check out great allmckinneyhomes.com Mckinney homes for sale and allmckinneyhomes.com//TX/Mckinney Mckinney real estate listings.

How to Invest in Bank Foreclosures?

Bank foreclosures come into existence when the property owners fails to pay back the bank held greeneasylife.com mortgage loan, and on doing so, the bank forecloses their property in order to reclaim the lost loan amount. Bank foreclosures are also known as real estate owned (REO) foreclosures.

Selling the foreclosed property enables the banks to recover their losses and proves to be a good investment option for potential buyers. It is interesting to know that banks are not keen on making a profit by selling these properties as these are expensive to maintain. They only try to recover as much amount as they can, hence it provides incredible opportunity for investors to negotiate the price and get the best deals.

Bank foreclosures can be bought at prices 30 to 60 percent lesser than the market value, so it is definitely a good investment option to be explored not only by real estate investors, but also by first time buyers who wish to buy a good property at low prices.

Following steps are involved in investing in bank foreclosures:

1. Locate foreclosed properties: Banks advertise the sale of foreclosed properties in newspapers or sometimes hand over the advertising to real estate agencies. So explore all resources to gather information about the latest foreclosures to make the most out of it. Contacting the bank itself will enable you to get the most updated information.

2. Careful inspection: Once you have decided on the property of your interest, visit the property and carefully inspect it to calculate extra costs which will be incurred.

3. Realistic offer: Make realistic offer considering all aspects like expected market rate, additional expenses that you will have to incur and your finances.

4. Ascertain the profitability: Calculate how much you will need to spend to buy the foreclosed property and what is its estimated market value. The difference of the amount is your profit margin. If you are convinced about the profitability, then go ahead and proceed with making the purchase.

5. Finance: One advantage of buying bank foreclosures is that you can seek financial assistance from the bank selling the foreclosed property to secure the required loan.

6. When your offer is accepted by the bank, then proceed with signing the purchase and sales contract. Consult an attorney if you think you need assistance. Ensure that you get a clear title, and a property free from any sort of encumbrances.

Buying foreclosuredatabank.com bank foreclosures is considered as one of the safest ways of buying foreclosed properties, as the buyer gets a clear title as on foreclosure, title gets transferred to the bank, and when you purchase bank foreclosures, bank transfers the title in your favor. For more details please visit foreclosuredatabank.com foreclosuredatabank.com/.