Saturday, February 16, 2013

Home Based Daycare

There are self employment of different types and the majority of people are opting to work from the convenience of their homes. Such jobs are created by taking care of young children as their parent are at work. These kind of services are home based daycare which maybe different not in the care and education given to the child but in the classification by authorities.

They may be under the registered, licensed and listed categories that operate as legitimate centres and unlisted categories that is informal that operates with three to four children under the rules and guidelines of the government. Daycare homes that may have more than five children would also be expected to adhere to the rules and acquire a valid license for the center.

It is good to have the safety of the children at heart and licensed and registered home based daycare is better than one that is not registered since it will not violate the government rules such as, income over $400 dollars is subject to tax, parents will not evade to pay fees. As little as they seem they also contribute to economy if run from one's residence, whereby insurance policies can be obtained at a cheaper rate for the children and the care giver of such a center.

Home based daycares are monitored by qualified supervisors who report to a central agency whereby caregivers undergo a thorough background check before they can offer daycare services. The agencies also undergo an annual inspection by the local authorities to make sure that they operate under rules and regulations of the Day Nurseries Act.








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Would Chapter 13 Bankruptcy Be Able to Stop Home Foreclosure?

Having foreclosure trouble is not something that one would want to face in life. A humiliating experience to say the least, you could end up being dumped out of your home and ending up homeless! Hardly an appealing thought, especially if you have children at home! People have tried to stop foreclosure by making use of several options in the past such as scheduling a hearing at the foreclosure court, using the hardship letter for negotiations with the lenders, refinancing their homes at better rates and terms, and some even end up engaging in the services of debt management agencies to help them sort of their financial issues!

However, all of those plans are not fool-proof, for instance if you are planning to take up the Mortgage Modification Plan from the President's office, knowing that only 4% have had their applications approved would undoubtedly deter many from taking up this option! Hope is still there however, because if all of these do not work, there is one last option available to you, Chapter 13 Bankruptcy!

Many states in the United States face thousands of foreclosure cases on a monthly basis, with examples such as Missouri and Illinois hitting the 2000 mark consistently every month without fail! Protect yourself from foreclosure (as well as future debts) when you opt for Chapter 13 Bankruptcy allows you to forget about your current mortgage debts, as well as permits you to not worry about the same debt ever again! Once you file for Chapter 13 Bankruptcy, it would stop the sale of your home, and the rest of your debt is taken care of at the same time. Your creditors would not be able to harass you once your bankruptcy lawyer takes charge of the case!

If you are struggling to service your mortgage, then chances are you would also be struggling with other payments and bills as well. Thus filing for bankruptcy would ensure that you get help in this segment as well! Being a federal lay, filing for Chapter 13 would force your lenders to sing to your tune, and it would also help you even if your home has already been sold at a lower price (as you still owe your lenders the balance of the loan). Other benefits from filing for bankruptcy include stopping repossession, no more worries from credit harassment and other relevant advantages that make bankruptcy a good final option for those who have tried all other options and failed in them!

Thus for the question of can bankruptcy stop foreclosure, the answer is most definitely yes, but be resigned that you would eventually lose your home after all and you would need to start off from scratch!








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Definitive Short Guide to Website Development Costs and Hitting That 'Sweet Spot' For Your Business

Website design & development prices vary because agencies are trying to make a different level of profit, have a different level of skills and / or have a different understanding of client's requirements. It is not unheard of for an agency to quote one price at the beginning of a website development and for the costs to triple at the end.

This generally comes down to inadequate planning from the start and one of the key reasons that we always recommend putting in place adequate budget at the start of a project for initial consultancy and documentation.

Is price a true reflection of an agency's quality?

There are some good digital design agencies out there that are inexpensive and other bad agencies that are expensive (even more so because they deliver poor quality products - doubly bad value). Value does not come down to low cost, value comes down to getting what you want or need at a price that is beneficial to your business - after all, if every time you invested £1,000 into your business, it returned £2,000 - that is good value, even though you are spending £1,000. Yet, if investing £10,000 was to return £20,000, that better value even though it's more expensive!

In general, you get what you pay for and a £150 website redesign (as we have heard quoted) sounds suspiciously low. Is the work being done in the UK? Do they have a good understanding of what is required? What is the quality of their work like? For a potential client, if they have received a low quote that becomes their price 'anchor', then all additional quotes that might be in the thousands can seems like bad value, but can offer much better value when viewed from a return on invest perspective.

Perhaps a best first step is to ask for a relevant professional reference from the agency. Make sure the website design agency matches the referee's turnover levels to yours, so that you have a realistic comparison. I have been involved in created websites for SME's for under £2,000 and on the other side, websites for larger corporations with budgets over £100,000. References must therefore be carefully selected in order to provide realistic expectations.

It may be difficult to image how there can be such a difference in the cost of designing a website, but put simply, a larger budget allows more time and resources to be allocated. Many smaller businesses have 'till shock' at the initial consultancy costs for the start of a project. However, the initial consultancy stage is incredibly important, creating a stable platform for the development of:

o content

o design

o code

o delivery

Without adequate consultancy, discussion and documentation, most projects are doomed to fail. Larger projects many have week and even months allocated for initial consultation and documention.

So what is a good ballpark idea of website development costs?

The 'average' business.educationeasy.net business website would have between 10 and 30 pages of content created in HTML with contact form, some search engine optimisation, easy-to-use navigation and some basic animations throughout the site to engage with visitors visually. So let's estimate the cost for a hypothetical basic 10 page website with quality design.

Consultancy & content

There should be around 5,000 words of content (500 words per page minimum) with each page targeting three specific phrases. These phrases should be researched in search engines like Google in order to accurately target the best terms for you business.

This leads to clear content guidelines for the pages plus naming conventions for the pages themselves and can take several days on its own. A larger site, one with hundreds of pages, would take longer to 'rationalise' as access to content becomes more complex, as the navigation structure must work within a 'deep' content environment.

A good ballpark for the consultancy for a 10 page website would be £1,500, broken down into:

o 1 day for project consultancy & brainstorming

o 1 day to document the projects requirements & expectations

o 0.5 day to research other sites, terms in Google

Design

The creative process is perhaps the most difficult stage to pin down in terms of time scales and costs. If the client has a clear idea of what they want from a design perspective (and can illustrate it through other example websites, print materials and/or brand 'values'), the design process becomes quicker (and therefore costs less). However, if the client is looking for the creative agency to do all the work ("just make it look nice"), then there is more time and cost on the part of the agency.

Good creative design needs time to mature and develop otherwise the resulting product can be 'shallow'. In our experience, for the average 10 page website for a small sized business, the ideal balance of cost vs. creativity is:

o 1 day to consult, information gather and brainstorm with the client

o 3 days to create design concepts

o 2 days to artwork content pages

If branding is involved, then a further three days after the consultancy stage is required, bringing the overall design process to two weeks (a rough budget of £6,000).

These are broad generalisations of the design process and businesses in general. You only need to look at the breadth of businesses in the UK, to get an idea of the breadth of potential costs associated with a website development.

Multimedia details

Once you introduce multimedia & interactive elements, costs become significantly more 'spread' because of the types of technologies involves and the relative work required to make each perform.

Flash has become a common element in websites, helping to lift the design of website page by bringing animation & interactivity to the content. It is possible to create a short 10 second intro animation for a website for a cost of £600 but does this actually add value to the website? It is doubtful.

A series of animated components distributed across various pages of the website might cost more (perhaps £1,500) and in spite of the higher cost, deliver much better value in the form of a better experience for website visitors.

Video can very quickly communicate the 'values' of an organisation, but can incur significant frontend costs in terms of the creation of the video. However, cheap video cameras and home editing software, means that it is possible to high impact create video testimonials from clients very cost effectively.

Interactive navigation provides a good, cost effective element to your site, as it is going to be used by site visitors many times and therefore becomes one of the most 'noticeable' components of the website, yet applying creative flair to the navigation should not cost much in terms of design & coding time.

HTML coding

Putting together simple HTML pages doesn't take long or cost much. A simple HTML website can be code in a day, but again, the risk to your brand can be high. How often have you visited a website and immediately gotten the impression that the website was put together by someone's "brother in law" or a student? Did you continue to investigate that business as a potential supplier? No.

So why take that risk with your own business? The small details on the webpage are obvious signposts as to the quality of HTML code that businesses are likely to recognise. A well constructed, modern website is accessible (even if at the most basic level of users being able to set the size of the print), quick to load (but with the prevalence of broadband these days, an agency would have to be making some fundamental mistakes for the site to be slow to download), use CSS (making it easier to update the design across all pages of the website from a single file) and readable in all browsers.

Writing good quality HTML code does not rely on tools such as Dreamweaver. The job of these tools is to make writing code easy - but unfortunately, this is often to the detriment of the code quality itself - so ask the agency what tools they use to create their code. If the agency is writing code from scratch, then it is likely to write better quality code and to have a better understanding of how that code works.

For our fictional 10 page website, the cost of producing quality, well constructed HTML code would cost on average £3,000

o 1 day for setup of CSS, navigation & overall page layouts

o 1 day to chop-up graphics for the pages

o 2 day to write HTML code with quality details (such as meta tags, alt tags on images, code comments)

o 1 day for testing

Setup & installation

Website hosting is cheap as chips these days. It is possible to find hosting for as little as £5 per month. However, there are costs associated with setting the account up, purchase of domain name, putting the website online & testing. These costs are likely to vary depending on the complexity of your website but again, using the 10 page HTML model website, the whole process shouldn't take more than one day.

Ongoing maintenance costs

Keeping the content on your website up-to-day is essential - absolutely critical. Research indicates that after design, the most important factor in deciding the quality of a website is how often and how recently information on that website has been updated. People return to websites that update their content often and search engines ranking sites that update content often more highly.

The consultancy process should identify the best approach for keeping content up to date - whether a content management system is recommended or if it is more cost effective to edit HTML or text files directly. This may sound like a technical process, but it doesn't need to be. A couple hours of training, especially with a website that has only ten pages, is often all that is needed to put you in the driving seat - saving you on development & implementation costs.

Overview

The overall cost for a professional, quality 10 page website constructed in HTML can be broken down as follows:

Consultancy £1,500

Design £6,000

Programming £3,000

Setup & installation £600

Ongoing maintenance DIY and pay nothing!

Inevitably, the quality of your website and its business performance will be reflected in its price, but this does not mean that more expensive is necessarily better. We often hear of companies charging many £10,000's of points for websites that can obviously be created for much less.

Larger agencies have higher overhead costs and work on larger margins than smaller agencies. There is a sweet spot in terms of website development cost that is unique to you, so make sure you get at the very least three quotes for your project (and ensure that all the website design agencies has the same understanding of your requirements), but ideally try to target five quotes, from around the country.








Jan-Erik Paul is a freelance journalist for the extreme sports, creative design, and persuasion science industry. In addition, Jan-Erik is MD of E-creation, an award winning creative design & marketing agency based in Bournemouth, Dorset and Gerrards Cross, London.

Established in 1998, E-creation delivers creative marketing & digital projects incorporating persuasion science. Clients include Slough Borough Council, BP, London Underground, Learning & Skills Council, Royal Bank of Scotland, Unisys, the NHS and City & Guilds.

e-creation.eu e-creation.eu

e-creation.co.uk e-creation.co.uk

Phone: 01202 853685

E-mail:

Learn the Truth Behind Russian Dating Sites

Russian dating sites may have a bad reputation in many people's minds, but once they learn what actually goes on between Russian women and men who want to form relationships with them, those assumptions are quickly shattered. When you learn the truth about the women and men who use Russian dating sites you will find it irresistible to jump into the dating pool yourself!

The Women

Women who sign up for memberships with Russian dating sites are as varied as are the different needs of the men seeking them. You will find women who are beautiful in any man's standards, whether they be blonds, brunettes, or red heads. Some are extremely tall while others may have a more petite body. Most of them are educated, and some are highly educated with successful businesses in their own country. No matter what a man is looking for when it comes to physical or personality features, international dating sites can deliver.

What Russian women tend to have in common is a traditional value of home and family. Most of them are looking to settle down with a husband and start a family, and many would rather take care of their children having a nanny to do it while they work. There is also a general dedication and devotion to a husband that Russian women feel. They are known to be loyal and open to their husbands no matter what. This is something that can be hard to find in some other cultures, where women are often less devoted and are even known to have affairs outside of the marriage on a regular basis.

The idea that Russian sites are filled with women who are desperate to escape their home country and will run off with anyone who flashes a little money is completely wrong. If you visit Russian sites with that impression it is okay, because the women there will quickly set you straight and show you that those ideas are not the case in reality.

Russian women using these sites are like women all over the world in that they want a loving, caring husband who will not only take care of them but treat them well. These are educated, smart ladies who want to settle down and start a family, but are in no way desperate to the point of running off with any man who presents himself as willing. These women have many options and are not going to settle, they want that one true love just as much as you do.

The Men

To those who question why women use Russian dating sites, the question could be posed back to them: why do the men use these sites? It is commonly assumed that the women are desperate or gold diggers, but what does that say about the men? The truth is that the women are far from desperate and the men have legitimate reasons for turning to Russian dating sites to find their future brides.

These men simply have not found what they are looking for with women in their local area. They may have even dated around their country, driving and flying away hours of their life looking for that special woman to share their life with, but they did not find anyone that made them want to commit. Looking online is the next step for these men, since it allows them to look beyond international borders to other women who may fit their idea of the perfect woman much better.

In the end, you will find that Russian dating sites are filled with women and men who have a lot to offer one another beyond money or passports. They are genuine humans who do not want to settle for someone who does not make them completely happy. These people want to be loved just like you do, and it is highly likely that your soul mate could be registered and waiting for you to arrive!








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The Careers in the Field of Nursing

Nurses are yearly increasing its demand in some states. Hundreds and even thousands of nurses are needed and most areas are still looking for more. There is a significant shortage of both the licensed and trained nurses for some positions that must be filled in for some healthcare. So, it is considered as a very serious problem that needs to be solved right away.

In most hospitals, every floor needs lots of nurses and there are a lot of varieties in nursing fields. Fields like from emergency rooms where nurses are assessing the victims of heart attacks, to nurses that will provide skills and educating the whole medical staff and including all the nurses.

Nurses' priority is to take care and give treatment to their patients. But they are not only seen in hospitals, they can be seen also in some home cares, clinics and even private homes. They can render their services in some military camp where there are lots of injured soldiers that needs treatment and first aid especially after and during wars. Nurses can also work in some firms and companies like insurance firms and those in public relations. They can also serve as the school nurse in public schools. Nurses can also be a teacher for the same field and an entrepreneur.

Nurses can specialize in some fields through attending some level training programs and if desired, it can progress Doctor of Philosophy. A Registered nurse program is a two-year associate degree where nurses are required to go out or on field to treat patients. Anther level is the BSN or Bachelor of Science in nursing, a program that requires a completion of a four-year degree. These programs will be helpful for widening the range of experiences for learning both the healthcare and some theories that makes nurses more flexible. This is the main reason why there are so many nurses that decided to continue learning to receive or gain a BSN degree. In some prestigious health cares, they require their nurses to have a degree in BSN.

MSN or Master of Science degree is the next level after having the BSN. This is applicable to those nurses that want specializations or more experiences to a certain field like as nurse practitioners, nurse administrators and nurse anesthetists.

Nurses that graduated in any level receive six weeks long term orientations and mostly in one certain area in facilities in health care that usually in hospitals or office of the doctor. The nurses can do their work that is under the graduate license until they pass the board test and making them a full Registered Nurse. They are being observed and are under probationary status while their employees are discovering the skills they have.

As the orientation period ended up, the supervisors and the new nurse meet for the evaluation of his proficiency and what area needs attention and improvement. This stage will determine if the nurse still wants to continue on their new career.

There are a lot of fields that best fits to you and by looking and knowing those fields will help you decide to where you will make your career.








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Different Types of Home Daycares You Can Start Now

Do you know that starting a Home Daycare is no different from starting any other business? It's going to take research and action on your part. But do you want to know the biggest secret to starting you home daycare? Well it's easy. Yes, starting a Home Daycare is easy. It's easy because you have already gotten the biggest obstacle out the way: your love children. Now, this may include your own kids also.

Okay, so you have a love for kids, what now? Your first step is to know what kind of Home Daycare you want to start. And this is where many people make there mistake. Did you know that there are several types of home daycares?

Here are some of the types of Home Daycares you can start:

1. Family care -- A program designed to provide care for toddlers in the homes of other mothers.

2. Home care -- A nanny or sitter cares for and supervises a child in the child's home.

3. Child care development home -- A private residence for up to five children, with no more than two infants in the group.

4. Before- and after-school care -- A program providing care for school-age children before and after the regular school day in a child development center or home.

5. Satellite child development program -- A private residence linked with a child development center or an agency that receives technical assistance and support, training, recruiting and placement.

6. Nursery school -- Usually a part-time preschool child development center operating during the school year.

Decide which one you want to start. Which type of home daycare will afford you the leverage you are looking for?

Hopefully, with this list you have started to think about what direction you want to take your business in.








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Friday, February 15, 2013

Long Term Care in Utah

Answering the growing problems of the state's health care needs, Utah's legislator's undertaken major reforms with its long-term happinesslifetime.com care insurance industry in 2001. They adopted a wide range of protection for individuals who purchase LTC policy, including the requirement that insurers say whether policies are federally tax-qualified or protect against premium inflation. The law also requires that insurers provide LTC policy within 30 days from the date of purchase and provide a written explanation to the insured within 60 days of a refusal.

Insurance companies must offer non-forfeiture benefits and a benefit upon lapse when a person falls without loss of benefits, but faces substantial increases. The insurers also cannot determine eligibility for benefits earlier institutionalization, unless the determination is entitled to waive premiums after confinement, post-acute or recuperative benefits.

Legislators also repealed the state's per-patient-day nursing home tax. The tax was intended to raise funds to improve the quality of workforce development initiatives for the LTC industry. Efforts to enhance the state's health care system can also be seen particularly in 1997 wherein the Utah Health Policy Commission established the Long-Term Care Technical Advisory Group to address concerns about its LTC problems.

In 1997, the Utah Health Policy Commission established the Long-Term Care Technical Advisory Group to address concerns about the state's long-term care system. The group produced a series of recommendations after gathering information from the public and those with expertise in LTC and the Health Policy Commission conducted a comprehensive LTC Public Policy Studies.

In addition, in September 1999, state agencies has created a core group of LTC network to respond to questions raised by the Olmstead decision and extend the work on community-based services for most large population and infrastructure needs.

Moreover, at a legislative initiative of the State and a grant from the Centre for Health Care Strategies, Utah shall provide residents of nursing homes and ICF / MR facilities with information about alternative home and community care programs and provide individual assessment and support for eventual release into society.

Despite of Utah's works on expanding the number of cases for the MR / DD Waiver Program, the program still has a long waiting list for services and remains as one of its top priorities. To continue the support, new funds allocated by the Legislature in recent years continue to be used to extend the waiver services.

Today, the State of Utah, Department of Human Services, Division of Aging and Adult Services, Health Insurance Information Program, are committed to providing as much information as possible to ensure that recipients make informed decisions about health insurance concerns.








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When Debt Collectors Cross the Line - Bogus Threats & Illegal Collection Tactics

If you are behind on your bills and on the receiving end of collection phone calls, you will probably hear collectors make some very threatening statements. While most debt collection professionals try to stay within the boundaries defined by the Federal Fair Debt Collection Practices Act (FDCPA), many others cross the line on a regular basis. Last year, the Federal Trade Commission (ftc.gov) received more than 58,000 complaints about debt collectors, a figure which represents 17% of the total number of complaints received by the FTC. Consumers complain about the collection industry more than most other industries combined.

Collection professionals would probably respond that the enormous size of the industry and the sheer volume of collection activity accounts for the large number of complaints. However, only a small percentage of violations are actually reported by consumers, so the data collected by the FTC represents only a tiny fraction of the true scope of the problem. Even so, a pattern of abusive and illegal collection activity has been well-documented by the FTC, and it is getting worse instead of better.

Here are some common threats made by debt collectors:

"We're going to take your house unless you pay this bill immediately." This is a bogus threat. Unless the debt being collected is secured by the house in question (i.e., a mortgage or home greeneasylife.com equity loan), the creditor does not have the power to take your house away from you.

"If you don't pay this bill today, we're going to have a warrant issued for your arrest." Nonsense. Failure to pay a debt is a civil matter, not a criminal matter. Threatening a debtor with jail time or accusing them of committing a crime is totally against the rules.

"We don't care that you sent a cease communication notice. We're going to call you anyway." The FDCPA gives you the right to terminate contact efforts by a debt collector. Failure to respect a cease communication notice is a clear violation of Federal law.

"We're going to garnish your wages to recover this debt." A collector can only threaten action it has the legal authority to take, and the vast majority of collection agencies have zero legal authority. Your wages can only be garnished by a creditor after they have won a judgment against you in a lawsuit.

"We know where you live, so you better pay up." Yes, threats of violence still happen in this industry. Nearly 300 complaints against collectors received by the FTC last year cited the threat of violence as the cause of the complaint. This is absolutely illegal.

Aside from the usual bogus threats, collectors also use other tactics that are illegal. For example, discussing your debt with a third party is a clear violation of the FDCPA. Yet collectors routinely call neighbors, relatives, and employers to obtain information on debtors. So long as the collector does not discuss the actual matter of the debt, they still have their toes on the right side of the line. But as soon as they mention or even hint that they are calling about a debt, they have crossed the line.

Since many debtors have taken to screening their phone calls at home to cut down on the relentless barrage, debt collectors frequently call at work when they can obtain an office number. In theory, a consumer can get the collector to stop calling at the office simply by stating that they are not allowed to receive personal phone calls at work. That puts the collector on notice that such activity constitutes interference with the consumer's employment, which is not permitted. In practice, however, collectors routinely ignore this rule and continue to call at work.

There are many other techniques of harassment and intimidation that cross the line from permissible to impermissible collection activity. Use of obscene or profane language, shouting, constant and unrelenting telephone calls, failure to respond to written disputes, and publication of debtor information all constitute illegal activity as defined by the FDCPA.

So if you are on the receiving end of illegal collection actions, what can you do to protect yourself? First and foremost, it's important to know and understand your rights as a consumer. A description of your rights under The Fair Debt Collection Practices Act may be obtained directly from the FTC ([ftc.gov/bcp/conline/pubs/credit/fdc.htm]).

If you believe that a collector has violated your rights in their attempt to collect from you, then you should not hesitate to file formal complaints with the Attorney General for your state (naag.org) as well as the Federal Trade Commission. If enough complaints are received about a particular collector, then these authorities are empowered to bring an enforcement action against them, which may result in expensive fines that will make the agency or collector think twice about using such tactics in the future. You also have the right to bring a lawsuit yourself against a collector that harasses or abuses you, or otherwise violates your rights under the law.

One final point. The FDCPA technically only applies to third-party debt collectors, which includes collection agencies and collection attorneys. It does not apply to the original creditor when collecting their own debt. For example, if you borrow money from a bank, the bank is not regulated by the FDCPA. However, numerous other public laws protect consumers from deceptive or abusive collection practices even by original creditors, and many states also have laws that parallel the FDCPA but go further and include original creditors in the definition of debt collector. So if an original creditor is harassing you or has crossed the line, you should still file a complaint with your state's Attorney General as well as the FTC. If a clear pattern of abuse emerges, the original creditor can be charged with unfair or deceptive acts or practices, either under state law or under the FTC Act that governs conduct of commerce in our country.

To sum up, if you are on the receiving end of collection harassment, don't just take it. Educate yourself on your rights as a consumer, vigorously dispute debts that you don't believe you owe, and take action yourself in the form of complaints to your Attorney General and the Federal Trade Commission. By standing up for your rights, you can put a stop to bogus threats and illegal collection tactics.








Charles J. Phelan has been helping consumers become debt-free without bankruptcy since 1997. A former senior executive with one of the nation's largest debt settlement firms, he is the author of the Debt Elimination Success Seminar™, a five-hour audio-CD course that teaches consumers how to choose between debt program options based on their financial situation. The course focuses on comprehensive instruction in do-it-yourself debt negotiation & settlement designed to save $1,000s. Personal coaching and follow-up support is included. Achieves the same results as professional firms for a tiny fraction of the cost. zipdebt.com zipdebt.com

Home Care For the Elderly and Disabled

The professional in-home care industry has never played a more important role in American society than it does today. As the country's aging baby boomers reach retirement age, families around the country are forced to make critical decisions on how to provide care for their aging loved ones. The choices are clear: either provide for aging parents themselves, or hire an agency to help alleviate the burden. For those who decide to provide care themselves, there are many challenges.

Most family members begin providing care for their loved ones without training or counseling. This leads to fatigue, stress and difficulty juggling all of life's other commitments. With so many sacrifices to be made by the family caregiver, it almost always makes more sense to hire a home care company to take the lead. Doing so allows the rest of the family to continue concentrating on other areas of their lives, which in turn makes the family unit function better.

Professional care companies provide a wide range of services that are broken down into two distinct categories: companion care and personal care. In every case, the use of a trained caregiver can be a welcome respite for family members who act as the primary support channel. Professional in-home care agencies supply trained, insured and bonded caregivers who can offer services for as little as a few hours a week, up to 24 hours a day.

Since in home care can be attained for a relatively inexpensive rate per hour, there is very little reason why any family can't choose this as an option for the care of their elderly or disabled loved ones.








Operating since 2004, Right at Home has been serving the needs of the Piedmont Triad area of North Carolina with in-home care and assistance for seniors and disabled adults. For more information about us or to learn more about our free assessment, visit our Web site at: winstonsalem.rightathome.net winstonsalem.rightathome.net or call us at 336-760-7131.

Old Way/ New Way

The word is out. Many small businesses are finding there is a new way to get the administrative help they need. They are realizing the benefits of partnering with administrative talent that not only knows their way around word processing software, but has also harnessed technology and the internet to provide remote assistance in new and innovative ways. Not only are these businesses "working smarter" they're keeping their overhead down too.
Old WayEmploy someone to take care of routine tasks in your office. Pay that person 8 hours a day for 5 hours work. Continue to pay while she's at lunch, off sick, on vacation or holiday, or just needs time off to take care of personal matters.
Hire a temp to come into your office to cover a busy period. Provide her with a desk, computer, and phone. Train her, and pay her Temp Agency top dollar for 7 hours a day.
Work late into the evenings and on weekends to keep up with your paperwork.
At year end, give your accountant a shoebox full of receipts and pay him his hourly rate to sort through them all.
Go through your Rolodex or business.educationeasy.net business card file and pull out all the addresses you want to send mailers to. Produce a list of labels, stick them on your mailing piece, stamp them and get them into the mail.

Spend many frustrating hours putting together an important document or presentation. Only to find the typos AFTER you've presented it to your customer.

New WayAsk a Virtual Assistant to show you how to harness technology to share files, schedule your calendar, manage your email and a myriad other administrative tasks.
Call a Virtual Assistant. She already has her own fully equipped office and is trained in most major office software. She will only bill for time on task.
Delegate to a Virtual Assistant, and regain your free time, while she takes care of the necessary behind-the-scenes work.
Hire a Virtual Assistant to use appropriate software to keep track of you expenses, saving you hours of your accountant's fees.

Hire a Virtual Assistant to build and maintain a contact database. Have her design a mailing piece, merge and send out to your contacts, record response rates so that you can measure the effectiveness of your campaign.

Let a Virtual Assistant, proof read and/or edit your document. Better yet, let her produce a top quality professional document for you. (She'll probably do it faster than you too)
This is the first in a series of articles on innovations in the workplace for the entrepreneur or small business owner.








Yvonne McCoy has over twenty years administrative experience working in her native England and now in Wisconsin. Through her business Swift Office Services LLC, she partners with business owners who recognize the benefit of outsourcing. She helps busy professionals with their administrative, bookkeeping and marketing functions from her own fully equipped office in south east Wisconsin. More information available at SwiftOfficeServices.com SwiftOfficeServices.com

What Is an Adult Family Care Home?

An adult family care home is in the assisted living category of retirement living. The services are the same and they have to abide by the same laws as an assisted living facility. The only difference is that an adult family care home can only have up to 5 residents.

True to the name, these types of homes provide family-style living in a private home. The 5 full time residents are elderly or disabled adults who are not related to the owner of the home. The residents can either share a room with another resident or they can have a room all to themselves.

The owner who lives in the home provides-by way of a contracted nurse or outsourced caregiver- the same services that are provided in a larger assisted living facility and include but are not limited to:

? Social and recreational activities

? Daily health monitoring

? Residential supervision

? Medication disbursement and/or assistance by a nurse or contracted caregiver

? Respite care (short term care of a senior meant to provide relief to a caregiver)

? Transportation arrangement and escorting to doctors' appointments

? Assistance with daily activities like walking, bathing, housekeeping, eating, and moving from one room to another, etc.

? Healthcare planning and organization

Just like and assisted living facility, an adult family care home may contract an independent skilled nurse or employ a skilled nurse to take vital signs such as blood pressure, temperature, respiration and pulse. Keep in mind however, you are allowed to bring in your own home healthcare provider to administer these services.

These homes are licensed by the Agency for Health Care Administration and require that residents must be able to perform with assistance, daily activities like bathing, dressing, and eating. The residents are not allowed to live in an AFCH if they are bedridden or if they need 24-hour supervision. They also can not have stage 3 or 4 pressure sores. These are minimum requirements and residents must meet other conditions as outlined in the Florida regulations.

Like a larger assisted living facility, if you end up needing more health care than allowed by law for an adult family care home, you may be asked to move on to a nursing home.

There are pros and cons associated with both assisted living facilities and adult family care homes. It would seem that one of the benefits of living in an AFCH would be that there is more of an intimate family-style atmosphere. In addition to that, these homes are typically more affordable than an assisted living facility.

Once you decide exactly which type of assisted living situation you want your loved one to settle into, it might be a good idea to talk to an elder law attorney. There is usually a bunch of paperwork to fill out before you can move in.








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November Is Long Term Care Awareness Month

November is Long Term Care Awareness Month... a continuing effort to raise public awareness regarding the importance of long term care planning. Please take some time this month to learn more about long term care and planning options for you and your family. You can start here...

What is Long Term Care?

Long term care includes a range of services to assist you when you suffer from a chronic or prolonged illness or disability (Alzheimer's, Parkinson's, stroke, cancer, accidents and much more) that leaves you unable to care for yourself for an extended period of time.

It is not just medical care, but is considered custodial care - care that is generally needed when you are unable to perform certain 'Activities of Daily Living' - bathing, eating, walking, getting dressed, etc. Services may be provided in nursing homes, assisted living facilities or a patient's own home.

Who needs it?

The need for such services may come at any age - even younger people may need such care if faced with a debilitating disease or accident. (Current estimates are that 40% of those receiving long term care services are between the ages of 18 and 64.) However, the majority of these services are provided for those aged 65 or older, with the need rising significantly for people age 85 and older.

And, since women generally live longer, women are 50% more likely to require long term care services than men (three quarters of assisted living residents are women, and women account for more than two-thirds of the long term care benefits currently being paid out.)

What are the costs?

The costs will vary depending on several factors including, the type of care needed, how care is delivered (nursing home, assisted living, at home) and location (more expensive in major metropolitan areas.)

The MetLife Mature Market Institute conducts an annual survey of long term care costs in the U.S. and estimates that in 2009, the national average rate for a private room in a nursing home was $219 per day (or $79,935 annually.)

For an assisted living community, the national average rate was $3,131 per month (or $37,572 annually.) And for home care services provided by home health aides from licensed agencies, the national average hourly rate was $21.

How to pay for it?

Generally, health insurance, Medicare and Medicaid do not cover long term care costs. (Medicare pays for some short term nursing home care and Medicaid covers nursing home costs for lower income people.)

Long term happinesslifetime.com care insurance has emerged in recent years as a way to offset the rising cost of care. Several insurance companies offer the coverage for individuals directly as well as through employer group plans.

As the industry has evolved, greater consumer protection standards have been implemented and the insurance policies offer a wider range of benefits and options. However, there are eligibility requirements (relatively good health) as well as benefit limits (maximum dollar amount or days covered) and no policy will cover 100% of your costs.

The cost of insurance - the premiums you pay - will be based on a number of factors including your age, health, benefit amount, elimination period, inflation protection options and potential discounts.

There may be some tax deductibility for the insurance premiums you pay as an individual (if you itemize deductions) to the extent that the premiums paid exceed 7.5% of adjusted gross income.

The self- employed may be able to deduct 100% of premiums they pay and businesses (C and S corps) may be able to deduct 100% of premiums paid on behalf of employees as a business expense.

Many states also offer tax incentives (credits/deductions) to encourage the purchase of insurance.

Please consult with your tax advisor regarding tax implications for your specific situation.

Additionally, some life insurance policies and annuity contracts offer long term care benefit riders.

As with any other insurance, you want to consider the purchase of long term happinesslifetime.com care insurance as a potential option before you actually need it.

Long term care planning for you and your family is an important strategy for protecting your financial future. Regardless of whether or not insurance is utilized, the out-of-pocket costs for care can be a heavy financial burden.

There are many factors to carefully consider in your planning and many resources are available to help you in your decision-making process. For more information on Federal and state resources visit the longtermcare.gov website.








Taren Coleman is the founder of Coleman Financial Group. She specializes in retirement income planning and is dedicated to helping you Build Confidence in Your Financial Future. For more information visit colemanfinancialgroup.com colemanfinancialgroup.com

Coleman Financial Group is a Registered Investment Advisor. Securities offered through H. Beck, Inc. Member FINRA/SIPC. H.Beck, Inc. and Coleman Financial Group are not affiliated.

Thursday, February 14, 2013

Foster Care is Not Perfect

Those of us who live within the foster care system often at times find it to be somewhat less than perfect! We may feel that a particular case is taking much too long to be resolved. Or perhaps the targeted end goal for a foster child is not one that we agree with. Sometimes we just feel as though the whole foster system is too full of holes.

Often we hear on the news stories of abused children who were killed or seriously injured by their biological parents or relatives. Often we find out that a report had been called in but not adequately followed up on. It is not always the fault of the social workers or foster case workers that these children were missed. Too often our child welfare agencies are understaffed with inadequate funds to hire more help. These Child Care Workers are very often just as frustrated as we foster families are.

With so many children being placed in the Foster Care System, it is important that the supply of good, caring foster homes keep up with the demand. A Foster Home offers children who have been removed from their own homes a safe and nurturing place to stay, sometimes for a few weeks or possibly even a few years. A child who is placed in a "safe" foster home which turns out to be "unsafe" must endure even more pain and feelings of being unloved.

It is extremely important that families who decide to take on the responsibility of housing foster children have available to them all of the support and care that is necessary for them to maintain a loving, nurturing and safe environment in which these children can stay for as long as is necessary.

If you do not feel as though you are in a position to take in foster children, but would like to help in some way, there are things that you can do. If you know a foster family, you could offer to drive their kids to sports activities, or to doctor's appointments. You could just visit with the parents and offer words of encouragement. These small gestures are ever so helpful in recharging the empty batteries that the foster parents may be running on. And it is a great way to feel better about yourself, too.

Please keep in mind that even though our foster system is not perfect, it is operating in the best interest of our country's children. Imperfect human beings run imperfect organizations. That does not mean that the hearts of each worker is not in the right place. They are doing their best.








Diane Foster
fosterfamilytalk.blogspot.com fosterfamilytalk.blogspot.com
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Air Purification: Because Homes Just Cannot Breathe Anymore

Buildings used to breathe. Outside air was able to exchange with inside air through cracks around windows, doors, and other places. This kept the indoor air about the same as the outside air. That all started to change in the 1970's when the concerns about our dependency on foreign oil caused us to re-evaluate our construction practices and the building materials we used. Homes became "tight" and indoors the same air was re-circulated over and over. This resulted in the seemingly endless list of airborne contaminants building to health threatening levels and with Americans spending up to 90 percent of their time indoors, indoor air pollution has become one of the top environmental concerns in the country. The Environmental Protection Agency (EPA) estimates that indoor air pollutant levels may be two to five times higher than the pollutant levels outdoors.

What makes up indoor air pollution? Much of it is composed of very small biologically based particles.

These biological contaminants include bacteria, viruses, molds, mildew, animal dander and cat saliva, mites, cockroaches, house dust and pollen. Pets can transmit animal dander and saliva as well as bacteria. Bacteria can also be transmitted by plants and people. All of these are just a part of a normal life in many homes so elimination as a solution would not be the first choice. On the other hand are the even less pleasant things that can contribute to indoor pollution. The protein in urine from rats and mice when it dries can become airborne. Central air heating and cooling systems can become breeding grounds for mold and mildew, spreading them throughout a home. These are areas that need to be addressed as soon as people become aware of them.

Physicians are starting to see, on a more and more regular basis, patients who complain of things like nausea, headaches, dizziness, and respiratory problems such as coughing, wheezing and eye, nose or throat irritations. Often these patients's say they feel better at work or in different areas of their homes. When no cause for the patient's complaints can be found doctors are recommending that the patient's homes are tested for the cause. A recent study published in the American Journal of Respiratory and Critical Care Medicine put forth the hypothesis that systemic inflammation and impaired endothelial function, both predictors of cardiovascular morbidity, can be favorably influenced by a reduction of particle concentration and adds to a growing body of evidence linking short-term exposure to particulate matter with a systemic inflammatory response.

One of the most technologically advanced ways a home owner can deal with improving their indoor air they breathe is to use an ion air purifier for indoor air purification. These air purifiers are small devices that generate a stream of negatively charged ions. These negatively charged ions pass their electronic charge to particles in the air so that when the particles touch each other they stick together and fall out of the air. U.S. submarines use them as do the poultry industry to keep the feather dust down. People who use ion air purifiers claim they make them feel better much like being around a stream or water fall in the woods which maybe true as moving water gives off.








Written by Sandy Anderson who often writes on topics such as alpineairtechnologies.com air purifiers. For more information about an air purifier please visit alpineairtechnologies.com alpineairtechnologies.com

Home Modification Loans by MRC

A new program for home loan modifications has been established by the combined efforts made by Massachusetts Rehabilitations commission (MRC) & many disabilities advocates throughout commonwealth. The funding of the Home loan modifications program for people with disabilities was approved by the state legislature of Massachusetts through a certain bond which provides $10 million for next five years. One of the main aims of this program is provision of modification loans to the primary residences of the disabled, families having children with disabilities and old aged people.

A few examples of the modifications which will be financed under this scheme are the installation of ramps, wheel chair access, grab bars, lifts, sensory adaptations etc. Deferred loans of 1000 dollars to 30000 dollars will be available to the eligible people at zero percent interest rates or at below market interest rates, these rates will include all consultation charges & loan fees.

Based on eligibility of income, the borrowers will be easily eligible for Amortized loans below market rates. The MRC is expected to serve an estimated 200 households who are eligible, annually.

The program:

This loan scheme is a recently established Loan program funded by the state, which gives loans for necessary modifications to primary and the principal residences of people with disabilities & elders. The program allows the disabled people to live in their communities independently.

The Facts:

This program allows easy lending of money to house owners in order to allow them to do necessary modifications in their homes for allowing equal and easy access for disabled individuals in their permanent primary residences. There are seven main agencies throughout the state which take care of the administration and funding for the underwriting of this program.

Figures

Based on eligibility of income, from 1000 dollars to 30000 dollars can be lent as deferred loan or amortized loan after being secured with a promissory note or mortgage lien. A deferred loan is due upon the transfer or sale of the property. Schedules for monthly payments are required for amortizing loans at low interests, but these are offered below the market rates.

Eligibility

Any house owner having disabilities or having household member with disabilities or those who have rented their house to individuals with disabilities can apply for the loan. Income requirements are based on the total gross household income of the house owner. Any household in a property of below 10 units might be eligible for this program, but the applicant should be the owner of the property. The unit requiring the modifications should be the primary residence of the disabled and the modifications made should necessary for the person benefitting from them to remain in the house.








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Choosing Adoption Agencies - 3 Important Steps To Finding The Right One

When choosing to adopt a child, the first decision a person has to make is the course to take. Should you pick an adoption agency or strive out on your own? There are advantages to looking on your own, but there are also downfalls to this as the search is more difficult this way. Using an agency makes this part of the process easier, but there are things prospective parents should know before stepping into the adoption agency's office.

1. The first step is finding a good, reputable adoption agency. Finding an agency is difficult but there are resources available to help. There are directories available on the Internet that will lead clients to local and international adoption agencies. Search these first and try to find testimonials about the agencies. Get as many opinions about different adoption agencies as possible. It is important to know what you are getting into.

2. The next step and arguably most important thing to do is research the company you plan on dealing with. This can't be stressed enough because you don't want to get any rude surprises during the adoption process. Talk to former clients, call government agencies to see if there have been any reports and ask around. An adoption agency's reputation will say a lot about them. Finding a reputable company will make the process that much easier.

3. Once you have done the research, it doesn't get any easier. The next decision is whether to use a public or private agency. Public agencies are funded with tax money and usually focus on placing foster children (wards of the state) in permanent homes. These are usually older children who have bounced around foster homes most of their life. Private adoption agencies are run by private companies. These companies provide a wealth of services such as counseling, matching prospective children and more. However, this type of service doesn't come cheap. Adoptions through private adoption agencies can run from a few thousand to tens of thousands of dollars.

One has to be careful though about the cost of adoption. When meeting with an agency ask about costs on all aspects. There is usually a fee to get the process started, but some companies charge extra along the way. Get the pricing up front and know what you are getting into. This is why researching companies is so important.

There are some companies that offer assistance in paying for the adoption such as staggered payments. Ask about this as well and check with local government agencies to see if there are any grants or financial assistance available.

If there is a certain type of child you want, check with different adoption agencies. There are specialty agencies out there that could suit your needs. Perhaps you want a Vietnamese baby and want to give a home to a child with a disability, there are agencies out there that specialize in these types of adoptions. They will have better insight in what needs to get done and are familiar with all the paperwork and issues that come with getting these types of children.

Finding the right adoption agency is difficult. Be well informed and take time before making a final decision on an adoption agency. It will be well worth the wait in the end.








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An Overview of Secured Home Equity Loans

In today's world it's only our home which is the most beloved and secured place. Now we can actually grab funds from our sweet home. Our home not only gives us comforts and security but also helps us in terms of finance. It's our home only which offers us so many opportunities to meet our monetary constraints. The main idea of secured home greeneasylife.com equity loan is based on two terms i.e. equity and secured loan. Equity is the current worth of your collateral in the market.

The basic motive of secured home greeneasylife.com equity loan is to bring us out of financial crisis. Such loan is applicable in many cases such as home renovations, other miscellaneous expenses etc.These secured home greeneasylife.com equity loans are generally utilized for varied number of reasons and different purposes. For example these loans are used to fulfill the financial constraint in education of children, various constraints in business, during the time of some sort of medical urgency, etc.

If the equity of the collateral in market is high, you can avail higher amount. The borrower can borrow the funds up to 125% that of property. So as to avail the loan amount our asset is procured as collateral against which the loan is sanctioned. There are various online and offline modes through which we can apply for such kind of loans. Internet has made all the working much easier. It reduces the time and cut downs all kind of paper work. Now the lender does not have to go to each and every individual personally. The customers can be made aware with the help of online media. The application form can be filled by the borrower and then the organization can send its personnel for further assistance.

There are various agencies in the market which offer secured home greeneasylife.com equity loans, with different terms and conditions. With so many choices available in the market, at times it can get real tough to opt for the right choice. Its important to focus on various terms n conditions set by the banks carefully. Only risk coupled with secured equity home loans is that it can lead to selling of your house if the capital amount is not repaid back on the scheduled time.








Sarah Conner is Financial Consultant for Chums Finance UK, Please visit the best option for chumsfinance.co.uk/signatureloans.asp Signature Loans, chumsfinance.co.uk/tenantloans.asp Tenant Loans.

Vinyl House Siding Proves Popular

Vinyl house siding is the most popular form of siding in America and is frequently used in home renovation to replace traditional materials. It may also be used as exterior siding for buildings and structures of all types. When compared to stucco, wood or brick, it is a good economical alternative. It is impact-resistant, strong and rigid. It comes with fast colors and does not blister or flake and is an affordable alternative to other types of siding which offers style, easy care and durability. Because it requires fewer resources to manufacture and maintain, and because it is recyclable, vinyl siding is also an environmentally friendly option.

Siding for the home is available in popular colors to fit everyone's style and is a popular choice for homeowners who want to improve the looks of their home without painting. While vinyl is relatively inexpensive, and long-lasting, there are some pros and cons when it comes to choosing it for your home.

House siding is extremely versatile and can be used with just about any exterior building material such as brick, cinder block, even natural logs and field stones. If you have special installation concerns, such as running vinyl siding along a natural stone chimney, for example, talk to your contractor. It is very cost effective and is warranted not to rot, chip or peel.

Vinyl house siding is capable of coping with most weather conditions, however in very severe conditions it can become damaged. It can actually be less durable than wood and some other conditions. It is the only exterior cladding with both third-party product certification and certified installer programs, both of which are administered by an independent agency. The Vinyl Siding Institute sponsors two different certification programs to ensure that vinyl siding products and colors meet or exceed ASTM quality standards and that vinyl siding installers demonstrate ASTM-accepted installation techniques.

It is often used in combination with vinyl soffit and trim elements to achieve a cohesive exterior in the style and color desired by the homeowner. The siding is often less expensive than alternatives like wood, but unlike wood, vinyl siding does not provide additional insulation for the building, unless an insulation material (e.g. foam) has been added to it.

Durable and easy to maintain, manufacturers are so sure of their product, that they often offer replacements for any defects over the lifetime of the siding. This is an impressive commitment that shows the level of quality and performance you can expect from your siding. It is also very easy to clean and maintain, and being non-porous, all the dirt washes easily off and doesn't remain behind. . Vinyl house siding is impervious to decay, it will not rot or flake, but it can hide problems beneath it for a long time. Investigate any streaking or staining which may indicate moisture problems under the siding.

It is a great investment; vinyl is usually less expensive to purchase and install than most other siding materials and is a lot cheaper than you probably think it is. So re-siding a home is among the top ten remodeling projects in terms of overall payback.

new-house-siding.com/vinyl-siding/vinyl-siding.htm Vinyl house siding is available in both seamed and seamless versions. and is secured to the house by a nail or staple driven through a tab. This tab is designed not only to hold the siding to the house, but to allow it to move as it expands and contracts with temperature. When an older home is resided with vinyl the difference is usually quite dramatic.

Siding is a great addition to any house or home, and if you are considering purchasing, it is an investment that you will not regret. However, you should be sure to research each brand of siding, so that you can find out which will work best for your home.








Make it easier selecting your first or new siding. Learn the essentials and enjoy a stress-free purchase by visiting the new-house-siding.com/vinyl-siding/vinyl-siding.htm Vinyl House Siding website.

Registered Nursing Jobs - Duties and Responsibilities

Registered nursing jobs are popular choice for people who have the right skills and want to expand their work experience outside of the hospital setting. The registered nursing profession requires precision and knowledge. In addition, the profession comes with heavy responsibilities.

The growth of registered nursing profession is driven by pressure from insurance firms to prevent in-patient hospitalization and advances in medical technology.

Job Opportunities

A registered nurse is essential in hospital settings, physicians' offices, clinics, home healthhappinesslifetime.com care agencies, temporary help agencies, schools, government agencies, nursing homes and outpatient care centers.

If you want to pursue a career as a RN, you may find a college program that may help you specialize in working in women's health, family practice, acute care, adult practice and pediatrics.

You may also find available work in non-traditional settings, including schools, correctional facilities, military and even summer camps.

Responsibilities

The primary duties of RNs are disease prevention, promoting good health and helping people who are ill. Additionally, they administer treatments to patients and at the same time, educate them about different diseases. Registered nurses also play a significant part in promoting health lifestyles. They provide health information and advice to patients, families, individuals and communities.

Most of the time, registered nurses work with physicians, surgeons and other health care professionals to provide critical health care. Also included in the job description of registered nurses are self-administration of medication and physical therapy, diet and exercise programs and home care post-treatment.

Requirements

There are many colleges offering online continuing education units (CEU) for those who are interested to become registered nurses, plus scholarships that provide career opportunities. Some of the major degree educational programs are Hospital Diploma, Bachelor Degree in Nursing and Associates Degree in Nursing.

Nursing-related major degrees include anatomy, behavioral science, nutrition, chemistry and physiology. You can also obtain these degrees from a university or hospital. Another requirement to become a registered nurse is a license which you can take after completion of the course. Also, a master's degree is important for a nurse who wants to become a nurse practitioner, certified nurse midwife and nurse anesthetist.

How to Succeed as RN

In order to succeed in registered nursing jobs, it is important that you have an excellent communication skill. In fact, many successful registered nurses enjoyed talking to people, empathize with them and help them get better. Nursing is a type of a job that requires frequent and extensive contact with people.

If you think you have what it takes to become a successful RN, then take that first major step and commit.








For more information concerning theregisterednursingjobs.com Registered Nursing Jobs, pay a visit to theregisterednursingjobs.com theregisterednursingjobs.com

Wednesday, February 13, 2013

Top 11 Myths of Home Businesses

I have a small business providing accounting consulting services which is based out of my home. Most days I LOVE it - it is consistently interesting and incredibly fulfilling. The thing that has surprised me the most is the difference between the perception and the reality of what it means to have your own home business. Here's what I've learned:

Top 11 home business myths:

11. You will not have enough work to make money from home

A lot of people are concerned that there will not be enough work for them to make money from home if they start their own home business. Before starting your own business look into the regional market for your skills (or check online if you are hoping to work remotely). Depending on the local market for your skills and experience you may find that there is an abundance of work available.

MY TAKE: One thing that I found useful during my start-up phase was to work with placement agencies and other contractors in order to find work. Generally you will make less money working with other contractors or employment agencies however you will make invaluable contacts and it will allow you to work consistently.

10. You will not be able to afford to take self employment vacations

It is a common misconception that owners of home based businesses can not afford to take self employment vacations. Contrary to popular belief, with proper planning and good fiscal planning self-employed individuals have a lot more flexibility in the timing and length of vacations that they can take. Employees generally have a limited amount of vacation available to them and get paid for vacation in one of two ways. Hourly employees often receive their vacation pay as an additional percentage on every paycheck, whereas salaried employees are often paid their salary as usual during their time off. Similar to hourly employees, contractors should include vacation pay in their hourly rates or job bids. While market rates and competing bids will sometimes determine the profit you make, there is some flexibility in the rates you charge and there are many factors to consider when setting your rates (more on this below).

MY TAKE: My personal experience has been that successful self-employed individuals must choose between the money they would make during a time period and their desire to have time off. I have prioritized having time away from full-time contracts periodically over the money I could earn during that time. It allows me to try out my own ideas and fully recharge before starting a new project.

9. You will not be able to get a mortgage or small business loan

It is a long held belief that home based business owners have a hard time getting mortgages or small business loans. This is not true. With small businesses and consulting firms on the rise, financial institutions have recognized the need to provide better services and comparable mortgages and loans to self-employed individuals.

MY TAKE: I was an employee when I applied for my mortgage however I have experience working with self-employed clients and friends to successfully apply for mortgages. The first thing I have learned is that it is important to shop around. Some people will be able to leverage their relationship with their bank to get a great mortgage that they couldn't get elsewhere but it is important to be sure that you are getting the best terms. Mortgage brokers are invaluable for shopping around as they can find out the terms a financial institution would offer you based on your specific circumstances. It is also very important that as an entrepreneur you are able to provide the bank with clear, organized business records that show consistent business activity for the past few years.

I have no personal experience obtaining a small business loan or grant. The best sources of information on this are the websites of the major financial institutions and government bodies.

8. You will not be able to get small business health insurance

Many people are hesitant to start a home based business for fear of living without small business health insurance. There are a lot of great benefits providers out there for people who are self-employed. Government and non-profit insurance providers are available for lower income individuals and many other insurance providers have begun offering reasonable health insurance for all self-employed individuals. The key, as with everything, is to do your research.

MY TAKE: My experience seeking benefits for myself has been that there are many companies offering insurance for self-employed individuals but there are some special considerations. Some companies insist that coverage for less than 3-5 individuals will only be offered based on the results of a physical and they may exclude pre-existing conditions from the coverage they offer. It can also be difficult to get coverage in areas such as dental, optical and for specialists such as chiropractors.

7. You will not be able to save for retirement with self employment

Often people fear that they will not be able to save for retirement from self employment without a company pension plan. Financial planning is the key to saving for retirement as an employee or a self-employed individual. Unfortunately many companies are no longer offering pension plans for their employees and therefore the burden of retirement savings on the employed individual is much higher now. Ironically, this shift has meant that self-employed individuals may have an advantage over employees. Most self-employed individuals make their cash up front and pay less in income tax installments and with-holding taxes. This provides them with the cash flow to invest more money in 401ks and RRSPs during the year than employees. Additionally, self-employed individuals often have the option of "soft retirement" by shifting to part-time work before retiring completely.

MY TAKE: Personally, my switch to self-employment has sparked me to be more cognizant of saving for my retirement. In fact, my pension savings more than doubled in my first year as a contractor and have continued to grow steadily since then.

6. Your self employment income will be too sporadic to cover your costs

It is common for employed people to fear the fluctuations in self employment income that many people experience. With good budgeting and planning most contractors are able to spread their income over the full year. In fact as an employee your income is fixed but as a self employed individual you can tailor your work schedule to earn more or less money as you need it. Many entrepreneurs find themselves filling downtime or earning "overtime" with smaller ventures such as project or interim work.

MY TAKE: Since I started my consulting company I have not had any downtime that I did not plan out as vacation, training or transitional time. Personally I enjoy having one to two weeks off between major projects to work on my own projects and take some time away - therefore I plan for this with both my work schedule and my budgeting.

5. Self employment will look bad on your resume

Truthfully, there are still some places that would frown on some self employment experience on your resume as they may see this as a sign that the person is not suited to be an employee. However, many companies recognize the value of having an employee who shows initiative and has a well-rounded variety of experience. Successful business owners demonstrate many skills that potential employers are looking for such as: leadership; project management; accounting and budgeting; initiative and entrepreneurial spirit.

MY TAKE: In my experience recruiters for full-time jobs will often spread this myth in order to convince you to apply for jobs with their clients. Contracting recruiters will claim that the opposite is true. My experience with employers and human resource professionals has been that they recognize the value of hiring people with the diverse and well-rounded backgrounds that self-employment allows. The main questions that potential employers have are: why did you become self-employed? why do you want to return to being an employee? why now? why here? If you can answer these four questions satisfactorily then even the most skeptical employers will consider your application without reserve.

4. You will make more money with small business earnings

Typically small business earnings are based on higher hourly rates than the effective hourly rate earned by employees and therefore people often assume that contractors make more money for the same amount of work. The truth is that the rates charged by self employed individuals include a premium to compensate consultants for the added risk to the contractor; the convenience factor for the hirer; the costs normally covered by an employer (benefits, pension, some government remittances, vacation, statutory holidays, bonus, double-time, training, supplies, overhead, professional dues and medical or maternity leave); and the cost savings to the employer (administrative and human resource costs such as hiring, termination and severance costs). The larger monetary benefits of working as a contractor seldom come from higher hourly rates but come from lower taxes, more cash flow for pension spending and the ability to control your income by working more or less hours.

MY TAKE: My earnings as a contract worker have been similar to the "all-in" salary and benefits%2B amount that I was paid as an employee (with the same growth as my employed contemporaries). The main non-monetary benefit to me has been the ability to work less or more depending on my desire and having more choice over whom I work with and what I work on. The main monetary benefit have been the tax savings I have experienced due to both the additional deductions as a contractor and the additional RRSP (401k) contributions I have been able to make due to the up-front cash I have received.

3. You will be your own boss

You probably want to start your own business in order to be your own boss and truthfully there are many areas of work that contractors have more control over than employees however contractors are not entirely without oversight. As a contractor instead of having just one boss you have many bosses. Every client you have is also your "boss" - they determine what you work on, when you work on it, how you work on it and where you work on it. Further, when working on-site for clients it is necessary to comply with all their office rules and guidelines. The other aspect of being your own boss is the responsibility that comes with it. As your own boss you are the one solely responsible for every aspect of your business from beginning to end. You must be comfortable pursuing new work, applying and interviewing for new projects, working at different places on different tasks, and taking care of customer billing and collections.

MY TAKE: As a contractor I can often negotiate my hours, the location of my work, the type of work I do, the companies/people I will or will not work with and the amount of money I get paid. Unfortunately this does not always mean that in the short-term I never have to compromise for a client or project. Some projects dictate that you work longer hours or work outside your region. The main difference is that I have the choice to reject the project or discontinue the work at anytime without legal repercussions.

2. You will set your own hours and work less

Many people start their own businesses in order to have control over how many hours they work but contractors aren't guaranteed to work less than employees. It is true that once you have established your business you can pursue contracts and projects that allow for more flexible hours and less overtime. There is not guarantee, however, that you will always be able to find such projects. Further, as the one who is solely responsible for every aspect of your business, people often find that they are required to work additional hours in order to establish and maintain their business.

MY TAKE: Personally I have chosen to take contracts with longer hours in past due to other considerations (experience, networking, higher rates, great location, etc...) however for the most part I have strived to find positions with flexible hours and little or no overtime. This has given me the freedom to pursue my own projects and spend more time with my family. This has required a lot of planning and budgeting and has generally led to lower annual incomes then I might otherwise earn however the improvement in my quality of life has made this more than worth it.

and the biggest myth of home based businesses...

1. You will always be able to work at home

The words "home based business" bring to mind images of working at home while wearing your pajamas. Home based businesses often require travel and/or visitation of external offices. Sales and service jobs typically require meetings with clients. Even remote IT personnel often need to visit their head office periodically. The flip side of this is that, the majority of the time, home based businesses can be run from anywhere - with only a phone and laptop.

MY TAKE: I have taken on contracts which require me to work off-site everyday, four days a week or once a week. I have also done work that was completely remote but I find this to be the exception rather than the rule for my field (chartered accountant).As mentioned above though I have also enjoyed being able to work at home, at the cottage, at campgrounds, at family members houses and many other beautiful places. There is definitely a lot more freedom as to where you work when you have a home based business - but you should not rely on the idea that you can run things without ever leaving your home.

Overall, the best way to know what you are getting into is to do some research. If possible talk to someone in your field who has an established business, talk to local recruiters and businesses about the availability of work, look for contract or project listings online. It is also a good idea to sit down and calculate the amount of money you need to earn every month in order to maintain your desired lifestyle - this will provide you with a benchmark to compare expected earnings to. Whether you decide to take the leap or not it pays to be informed.








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Blood Pressure Kit - Your Doctor at Home

Studies reveal that blood pressure is the major medical problem in the world. An abnormal stress on the circulatory system leads to blood pressure and other related diseases such as stroke, heart attack and heart failure.

Generally, high blood pressure has no specific symptom; the only way to know about it is to have some medical tests done. A regular check-up is essential to monitor your health and to prevent the conditions from worsening further. In standard blood pressure measuring system, doctors use an arm cuff which is pumped up and the result is displayed on the setting.

According to a survey published in `Journal of American Medical Association` measuring blood pressure at home shows a better overall result than that at the doctors` place. Invention of different kits has made the process easier for the patients who shy away from doctors. Well, a study conducted in 2004 and presented in European Society of Hypertension meeting disclosed that people having their blood pressure monitored at home show better overall result than those who have it done at their doctor`s office. In many case the inflated reading is due to the tension felt in the doctor`s clinic.

While buying your kit to measure blood pressure at home you should look for certain thing in the particular device. Heart monitoring device, remote monitoring equipment are the indispensable features of your home kit. Rest of the thing, that you need, depends upon the advice of your doctor.

However, there are different types of blood pressure monitors. The old fashioned monitors that use an arm cuff are the cheapest ones. But, it is not suitable for the person who wants to conduct a test on himself. It requires someone to assist in pumping the machine, and checking the flow of blood with a stethoscope to read the output. To sum it up, it is best for the doctors.

With everything going modern you can find modern blood pressure kit, the electronic measuring device that has got an built in sensor to monitor blood circulation and provides digital readouts. It has also got an LCD monitor to display result. The electronic kit has options for you to choose from whether you want a manual pump or electronic automatic pump. The test report by the American Academi of Family Phisician displays that the finger and wrist blood pressure devices are sensitive to position and body temperature and cannot give an accurate result every time.

While purchasing your home blood pressure kit take care of certain inevitable aspects of the device.

1. The cuff that you are taking should properly fit to your arm; otherwise, it may give you a wrong reading.

2. The monitor should properly display the readouts. Numbers should be clearly visible.

3. You should be able to hear your heartbeat through the stethoscope.

4. Though majority of people prefer to check their blood pressure at home, it is advisable to get their kit checked by the doctor at least once to ensure accurate result.

It is true that the use of home kit has increased remarkably. The blood pressure Agency is now working with British standards institute and Medical Devices Agency to check and test the home medical equipments to ensure their accuracy. At times, it may not be possible for you to visit the doctor to check it. But if you are keeping a kit handy with you, it will be beneficial for you as you can keep a watch on your health anywhere, any time.








Roberto Sedycias works as IT consultant for polomercantil.livejournal.com PoloMercantil

Being a Nurse - Its Benefits and an Overview of What They Do

The current financial crisis makes it difficult to survive for a lot of us. For the most part, we find ourselves overwhelmed by one financial problem after the other. As such, we couldn't help but ask ourselves what kind of career will give us a stable source of income and a better life for us or our families?

Well, you might be surprised that the answer to that question is more obvious that you think: being a nurse. At this time, nurses are one the most in-demand workers in the health industry. There are approximately 2.4 million job openings for nurses right now, and to fill this need, hospitals and the like are offering competitive salary, benefits, and compensation package.

There are a lot of opportunities for personal growth and development in nursing. Specialization in specific nursing fields is an alternative which nurses can take advantage of not just in hospitals, but even in medical clinics, outpatient centres, nursing care facilities, and geriatric facilities.

With a wide array of work places that offer career development, nurses would practically never run out jobs. Also, this kind of advantage makes nurses competent enough to work even in other parts of the globe.

Aside from the popularity of nurses nowadays, nursing is one of the very few careers which will never go passé. Like doctors, there will always be a need for nurses. Also, there are several types of job opportunities in the field of nursing. In the Unites States alone, there is currently a need for approximately 100,000 nurses, and experts say that this figure may triple over the years. With incentives like these, who could say no to such a promising career?

Registered Nurse (RN) - Background of their Duties and Responsibilities

The duties and responsibilities of a registered nurse can change from every state and institution. Laws on a RN's scope of practice vary in each state. Different institutions also have varying guidelines for the scope of practice of the nurses and medical professionals they handle. At times, these guidelines are even more restrictive than that of state laws.

To help an RN determine whether something is within the scope of their profession, some states have devised the following questions which RN's can ask themselves:

1. Is it allowed by the nurse practice act of the state you are working in?

2) Is the skill something you learned in your basic nursing education or in any additional training program you've attended, including clinical training?

3) Can you find the procedure in the policy manual of the institution you are working for?

4) Is the task in conformity to the "Prudent and Reasonable" standard for nursing?

If after asking these questions a nurse is still unsure whether a task is included in their scope of practice, he or she can get clarification from their state nursing board.

Evaluating a person's health and devising an appropriate health plan is one of main duties of an RN. Normally, RN's coordinate with other health care professionals in giving individuals under their supervision suitable health care and education.

However, as mentioned before, the regulations in each state differ. As such, it is wise to always consult the nursing laws in the state where a nurse is working to verify if a particular task is within a RN's scope of practice. A RN should also check the policy and guidelines of the institution they are working for, to ensure that what they are doing is within the areas of responsibility allowed by that institution.

LPN (Licensed Practical Nurse) - Playing an Important Role in the Healthcare Industry

A Licensed Practical Nurse (LPN) or Licensed Vocational Nurse in the state of Texas and California, assists RNs and give patients a more personal level of attention.

Although LPN's are normally supervised by physicians and RNs, their responsibilities increase as their gain more knowledge and experience.

Some LPNs already take on tasks such as taking vital signs, monitoring in and out volumes, turning patients to avoid bedsores, treating and/or dressing wounds, providing enemas and more.

LPNs also take care of simple duties like getting measurements (height, weight, temperature, blood pressure, pulse rate, etc.), giving alcohol rubs, assisting patients take care of their personal hygiene, and most of all, offering the patients a friendly face and a caring heart as they walk the road to recovery.

LPNs are the ones responsible for the day to day care of patients. They give patients a more intimate and hands on attention, which RNs are no longer able to provide due to their busy schedule.

In some states, LPNs are allowed to administer prescribed medicines and starting IVs. On other states however, such tasks are not part of their responsibilities. LPNs also need to spend time with the family of the patient and teach them how to take care of their loved one, especially once they continue their recuperation at home. The LPNs provide the patient's family with all the information they need to take care of the patient once they've been discharged.

Due to the variations of state regulations, it is hard to give a definite job description for a LPN. Some states even allow LPNs to assist with the delivery, care, and feeding of a newborn.

For the most part, the work of LPNs covers various fields of medicine and healthcare. As such, there are also LPNs who work in nursing homes, medical offices, or private homes.

Healthcare facilities like nursing homes certainly benefit from the services of LPNs, as they are able to asses residents, supervise nursing aides, and develop basic healthcare plans. In a doctor's clinic, a LPN takes care of setting appointments, filing medical records, and other administrative functions.

LPNs are very important to the smooth flow of the health care profession. RNs and NPs will definitely have a harder time with their jobs without LPNs.

Although the general scope of practice of LPNs is apparent, the extent of what they can perform will vary depending on their place of work.

As you think of starting a career in nursing, it is important to note that although doctors and administrators may be on top of the list, nurses and LPNs are definitely the heart and soul of the healthcare industry.








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

Live the Good Life in a Luxury Home in Cannes

When one talks of luxury real estate, Cannes, on the French Riviera is right there on top with the likes of Tuscany, Abu Dhabi or the Caribbean. Its strategic location on the Cote D'Azur apart, Cannes' pleasant temperate weather, high-end lifestyle mingled with carefully preserved natural & historical treasures and its recognition as one of the glamour capitals of the world, thanks to the Cannes Film Festival, makes it one of the first places to consider when looking for luxury real estate and properties.

Cannes has every kind of luxury accommodation to suit the needs of tourists looking for a luxury vacation, business travellers looking to mix some pleasure into work, investors looking at great returns, and families looking to settle on one of the most coveted coastlines in the Mediterranean. For those seeking indulgence and magnificence in real estate, Cannes has no dearth of varieties. Luxury apartments, penthouses, villas, manors, chateaux, bastides, farmhouses and even vineyards are available for sale or on rent, all year round. A well placed and resourceful luxury real estate agency should easily be able to offer you a wide selection comprising of all this and much more.

That's not all, luxury properties in Cannes are more than just impressive architecture, modern in-house comforts and breath-taking views; almost every luxury home in Cannes comes with swimming pools, gardens, tennis courts and acres of manicured lawns. Proximity to golf courses, beaches, shopping plazas and nightclubs is a given. In fact, when it comes to luxury real estate, Cannes' agencies that deal with elitist clientele will bring in a lot more to the table - legal and financial expertise, investment advice and management, property servicing and maintenance as well as interior design.

Cannes' stature as an haute holiday destination, its association with glamour, its inherent natural beauty and its cultural and historical significance have created many prime locations in and around the city. Whether it's a luxurious and yet functional apartment or penthouse along La Croisette; or a quaint little villa with a breathtaking view of the Meditteranean on Le Suquet; or an impressive luxury manor along the prestigious Quartier des Anglais; there's a good chance you'll have a hard time choosing any one from all the options you have.

When it comes to the best of luxury real estate, Cannes is sure to fulfil every desire and much more. Considering the nature of your investment in Cannes, it is very important for you to find an experienced and professional real estate agency that anticipates your concerns and ensures complete satisfaction. Thus, while finding the right property may be a pleasantly overwhelming process, finding the right intermediaries becomes a far more pressing and primary concern. We strongly suggest going only for an agency that has been dealing with luxury properties on the French Riviera for at least a decade, if not longer. It is important that the agency have a wide-ranging portfolio of luxury properties of all types, as well as elite clientele. By being as particular of the agency as you would be of the property, you can ensure your property investment in Cannes offers you great returns - monetarily and otherwise.








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