How One Can Get Inexpensive Funding For Housing Without a Mortgage?

Many individuals and families are having great difficulties these days to source funding (through mortgages or otherwise) for the purpose of purchasing a house. This is particularly so in this employment environment where layoffs are so prevalent and job security is so tenuous.

The recent and ongoing advent of mass foreclosures throughout the US has rendered the mortgage industry non functioning as lending agencies are placing more onerous requirements for qualification on persons wishing this facility. The time has come to review how homes are financed and determine whether there is an easier and cheaper, less stressful way to finance your home.

Are you one of those persons who are currently paying a rent or mortgage that is onerous. Would you like to be introduced to an approach that will liquidate this mortgage or rental commitment and own your new home in less that two years from now paying a fraction of the mortgage aggregate cost that you are currently committed to? If this is your current desire then read on.

This system of home financing, which is unique in today's world, is based on how persons in a community assisted each other in early civilized societies when a new family arrived and wanted to establish a homestead.

In these early days the entire community came together and rendered assistance in the building of this home. This was so because it was in everyone's interest to see that this new family was established properly as this gave the community the possibility of additional goods and services.

The men folk gathered all the timber and building material and refined it and the women ensured that the men doing the work were adequately fed and refreshed. Today there is no such collaboration and assistance to the new family. The new family today has to gather all the resources for their homebuilding project and pay for this service themselves.

The paying for such a service as you know is now a major undertaking in the life of any family. A mortgage has to be obtained for which the family has to qualify for, and bridging finance has to be arranged with a lending agency and when the house is completed mortgage payments are to be made over a twenty or thirty year period on an amount that when aggregated is multiple times what was initially expended constructing the house.

The undertaking to make these payments over this period of time as you well know assumes that you and your spouse will be gainfully employed over the period. It assumes that you will suffer no setbacks such as loss of employment, major illness that incapacitates, major catastrophe that causes the destruction or near destruction of the home or any other ill-conceived event that leads to your inability to continue payments.

One may argue that adequate insurances will cover these events, but certainly the additional cost of insurances as well as legal fees has placed significant additional burden on you, the homeowner. It is estimated that such mortgage payments, insurances, etc., make up on average forty five percent of the income of families in most developed countries and in developing countries, this figure is higher.

This mortgage commitment has no doubt placed great strain on you and your family as you also have to secure funding for the higher education of your children, health care, food and other obligations. Modern civilization has to find a way to significantly lower the cost of setting up homes if societies are to live reasonably without financial stress.

Maybe the answer lies in going back to how earlier civilizations assisted each other. That is not to say that the assistance must come in the form of the physical building of homesteads but certainly in the form of financial resources.

But persons who may assist in this way can also be the recipients of such assistance. There is or never will be a shortage in the need for homes. As long as there are people continually coming into the world, there will be a need for shelter.

The question is whether we are prepared to continue to provide shelter using the mortgage approach which is bringing so much stress to households? Or are we willing to pool our resources and provide this essential aspect of society at a much lower cost.

Shelter can be provided at a fraction of the cost and time it takes to put together the resources needed. There are programs where home aspirants worldwide can make contributions (a fraction of the cost) towards the realization of their home.

They then wait in line (on a first come first served basis) for the aggregate funding from other aspirants who come into the system. This approach is far less stressful and far less expensive than the status quo which militates against fast and easy acquisition of homes.

The recent spate of mass foreclosures that has catapulted the US into one of the deepest recessions ever is a clear sign that the mortgage system of homebuilding is a clear failure.

Would you like to get more information on this unique breakthrough approach to home financing? Would you like to own a custom built home for a fraction of what it currently takes to do so using conventional methods? Would you like to liquidate your current mortgage commitments and free yourself financially? Then go to mlmskills.ws Inexpensive Funding for Housing to view presentation which explains this unique program of home financing. It will cost you nothing except an hour of your time. Thereafter you can email me at

If a home inspection or home appraisal is a contingency included in your purchase agreement, these will need to be scheduled and conducted before the final closing date.

At the closing, typically you, the seller, your attorney, the seller's attorney, a closing agent from either the lending or title company, and your real estate broker (if you have one) will be present. At the closing your attorney will go over all the closing documents with you and walk you through signing all the necessary paperwork. All closing and escrow fees will be paid and properly distributed. At the end of the closing, congratulations! You will receive the keys to your new home and be ready to move in!

Call David Leiter at Leiter Realty Group to work with an Agent to help you sort through the many options to buy and for insider information on what to look for and what to avoid in the hot Williamsburg Brooklyn Condo and Home market.

Leiter Realty Group
288 Grand Street, Brooklyn, NY 11211
718-387-3700 tel

A health care power of attorney can be a morally and legally acceptable means of protecting your wishes, values and religious beliefs when faced with a serious illness or debilitating accident. Accordingly, for persons wishing to execute health care powers of attorney, see the following instructions and guidance from the authoritative teachings and traditions of various religious faiths.

The intent of the health care power of attorney law is to allow adults to delegate their God-given, legally-recognized right to make health care decisions to a designated and trusted agent. The law does not intend to encourage or discourage any particular health care treatment. Nor does it legalize or promote euthanasia, suicide or assisted suicide. The health care power of attorney law allows you, or any competent adult, to designate an "agent," such as a family member or close friend, to make health care decisions for you if you lose the ability to decide for yourself in the future. This is done by completing a health care power of attorney form.

You...

o Have the right to make all of your own health care decisions while capable of doing so. The health care power of attorney only becomes effective when and if you become incapacitated through illness or accident.

o Have the right to challenge your doctor's determination that you are not capable of making your own medical decisions.

o CAN give special instructions about your medical treatment to your agent and can forbid your agent from making certain treatment decisions. To do so, you simply need to communicate your wishes, beliefs and instructions to your agent. Instructions about any specific treatments or procedures which you desire or do not desire under special conditions can also be written in your health care power of attorney and/or provided in a separate living will.

o Can revoke your health care power of attorney or the appointment of your agent at any time while competent.

o May not designate as your agent an administrator or employee of the hospital, nursing home or mental hygiene facility to which you are admitted, unless they are related by blood, marriage or adoption. 1996

Your agent...

o Can begin making decisions for you only when your doctor determines that you are no longer able to make health care decisions for yourself.

o May make any and all health care decisions for you, including treatments for physical or mental conditions and decisions regarding life-sustaining procedures, unless you limit the power of your agent.

o Will not have authority to make decisions about the artificial provision of nutrition and hydration (nourishment and water through feeding tubes) unless he or she clearly knows that these decisions are in accord with your wishes about those measures.

o Is protected from legal liability when acting in good faith.

o Must base his or her decisions on your wishes or, if your wishes cannot be reasonably ascertained, in your "best interests." The agent's decisions will take precedence over the decisions of all other persons, regardless of family relationships.

o May have his or her decision challenged if your family, health care provider or close friend believes the agent is acting in bad faith or is not acting in accord with your wishes, including your religious/moral beliefs, or is not acting in your best interests.

CONSIDERATIONS FOR ALL PEOPLE FROM CHRISTIAN/CATHOLIC TEACHING

The following is an attempt to gather information from the doctrines of Christianity, Catholicism, and Judaism to see if there are any commonalities with regard to health happinesslifetime.com care agencies and living wills. We will see that all three religions have placed a value on dying with dignity and the right of the person to direct how their dying process will occur.

A major tenet of the faith is that it is unethical to take a life. It is not the highest of all values to stay alive, but you cannot affirmatively take steps to kill someone. The church is strongly against euthanasia and suicide. But often if the patient and medical care providers permit nature to take its course without heroic intervention, the person's life may be taken by God.

This is a narrow path. Taking a life is inappropriate; on the other hand, using heroic medical measures to keep a body biologically functioning would not be appropriate either. Mere biological existence is not considered a value. It is not a sin to allow someone to die peacefully and with dignity. We see death as an evil to be transformed into a victory by faith in God. The difficulty is discussing these issues in abstraction; they must be addressed on a case-by-case basis. The Christian church's view of life-and-death issues should ideally be reflected in the living will and health-care proxy.

Roman Catholic teaching celebrates life as a gift of a loving God and respects each human life because each is created in the image and likeness of God. It is consistent with Church teaching that each person has a right to make his or her own health care decisions. Further, a person's family or trusted delegate may have to assume that responsibility for someone who has become incapable of making their decisions. Accordingly, it is morally acceptable to appoint a health care agent by executing a health care power of attorney, provided it conforms to the teachings and traditions of the Catholic faith.

While the health care power of attorney law allows us to designate someone to make health care decisions for us, we must bear in mind that life is a sacred trust over which we have been given stewardship. We have a duty to preserve it, while recognizing that we have no unlimited power over it. Therefore, the Catholic Church encourages us to keep the following considerations in mind if we decide to sign a health care power of attorney.

1. As Christians, we believe that our physical life is sacred but that our ultimate goal is everlasting life with God. We are called to accept death as a part of the human condition. Death need not be avoided at all costs.

2. Suffering is "a fact of human life, and has special significance for the Christian as an opportunity to share in Christ's redemptive suffering. Nevertheless there is nothing wrong in trying to relieve someone's suffering as long as this does not interfere with other moral and religious duties. For example, it is permissible in the case of terminal illness to use pain killers which carry the risk of shortening life, so long as the intent is to relieve pain effectively rather than to cause death."

3. Euthanasia is "an action or omission which of itself or by intention causes death, in order that all suffering may in this way be eliminated." "[Euthanasia] is an attack on human life which no one has a right to make or request."

4. "Everyone has the duty to care for his or her own health and to seek necessary medical care from others, but this does not mean that all possible remedies must be used in all circumstances. One is not obliged to use 'extraordinary' means - that is, means which offer no reasonable hope of benefit or which involve excessive hardship.

5. No health care agent may be authorized to deny personal services which every patient can rightfully expect, such as appropriate food, water, bed rest, room temperature and hygiene.

6. The patient's condition, however, may affect the moral obligation of providing food and water when they are being administered artificially. Factors that must be weighed in making this judgment include: the patient's ability to assimilate the artificially provided nutrition and hydration, the imminence of death and the risks of the procedures for the patient. While medically-administered food and water pose unique questions, especially for patients who are permanently unconscious, decisions about these measures should be guided by a presumption in favor of their use. Food and water must never be withdrawn in order to cause death. They may be withdrawn if they offer no reasonable hope of maintaining life or if they pose excessive risks or burdens.

7. Life-sustaining treatment must be maintained for a pregnant patient if continued treatment may benefit her unborn child.

Such principles and guidelines from the Christian heritage may guide Catholics and others as they strive to make responsible health care decisions and execute health care proxies. They may also guide Catholic health care facilities and providers in deciding when to accept and when to refuse to honor an agent's decision.

CONSIDERATIONS FOR ALL PEOPLE FROM JEWISH TEACHING

Jewish tradition as understood by Conservative Judaism teaches that life is a blessing and a gift from God. Each human being is valued as created b'tselem elohim, in God's image. Whatever the level of our physical and mental abilities, whatever the extent of our dependence on others, each person has intrinsic dignity and value in God's eyes. Judaism values life and respects our bodies as the creation of God. We have the responsibility to care for ourselves and seek medical treatment needed for our recovery-we owe that to ourselves, to our loved ones, and to God.

In accordance with our tradition's respect for the life God has given us and its consequent bans on murder and suicide, Judaism rejects any form of active euthanasia ("mercy killing") or assisted suicide. Within these broad guidelines, decisions may be required about which treatment would best promote recovery and would offer the greatest benefit. Accordingly, each patient may face important choices concerning what mode of treatment he or she feels would be both beneficial and tolerable.

The breadth of the Conservative movement and its intellectual vitality have produced two differing positions put forward by Rabbis Avram Israel Reisner and Elliot N. Dorff, both approved by the Conservative movement's Committee on Jewish Law and Standards. Both positions agree on the value of life and the individual's responsibility to protect his or her life and seek healing. Both agree on a large area of autonomy in which a patient can make decisions about treatment when risk or uncertainty is involved. Both would allow terminally ill patients to rule out certain treatment options (such as those with significant side effects), to forgo mechanical life support, and to choose hospice care as a treatment option.

Nevertheless, important differences between the two positions may be found regarding both theoretical commitments and practical applications. Rabbi Reisner affirms the supreme value of protecting all life. Even the most difficult life and that of the shortest duration is yet God given, purposeful, and ours to nurture and protect. All nutrition, hydration, and medication should be provided whenever these are understood to be effective measures for sustaining life. Some medical interventions, however, do not sustain life so much as they prolong the dying process. These interventions are not required. The distinction may best be judged by our intent. We may choose to avoid treatments causing us fear or entailing risk or pain, in the interest of the remaining moments of life. We may not avoid treatment in an attempt to speed an escape into death.

Rabbi Dorff finds basis in Jewish law to grant greater latitude to the patient who wishes to reject life-sustaining measures. He sees a life under the siege of a terminal illness as an impaired life. In such a circumstance, a patient might be justified in deciding that a treatment that extends life without hope for cure would not benefit him or her, and may be forgone.

Both Rabbis Dorff and Reisner agree that advance directives should only be used to indicate preferences within the range allowed by Jewish law. They disagree as to what those acceptable ranges are. In completing a health care power of attorney and living will, it is recommended that you consult with your rabbi to discuss the values and norms of Jewish ethics and halakhah. You also may wish to talk with your physician to learn about the medical significance of your choices, in particular any decisions your physician feels are likely to be faced in light of your medical circumstances. You may find it helpful to discuss these concerns with family members.

CONCLUSION

In the end, the decision to execute a health care power of attorney and living will is a uniquely individual choice. Every person has their own set of principles by which they will live, and by which they will eventually pass on. When executing these documents, it is wise to examine how these documents assimilate into your worldview and religious beliefs. While the topic of death and dying is an uncomfortable one, you are well advised to discuss this decision with your family members, friends, and members and leaders of your religious community that you respect. Having done this, you can rest easy knowing that you have made a good decision with regard to your health care power of attorney and last will, and that your last wishes will be respected and undertaken.

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Mortgage Refinancing: How to Get Started Refinancing Your Mortgage

If you are planning to refinance your mortgage there are a number of mistakes to be made that can cost you thousands of dollars. Doing your homework and preparing before you apply for a mortgage will help you avoid these common mistakes. Here is what you need to know to get started refinancing your greeneasylife.com mortgage loan.

Mortgages used to be fairly simple; your grandparents had two choices when it came to their mortgage: 30 years or 15. Today it seems there are as many types of mortgages as there are borrowers. To find the right mortgage you need to research mortgages, evaluate your financial goals, and shop for a mortgage offer that is in line with those goals. There is preparation to be done before you start shopping. This preparation will help you avoid making costly mistakes; here is how to get started.

Review Your Credit Reports

Before you do anything else make sure your credit reports are accurate. The contents of these reports (and there are three of them), is what determines your credit score. This credit score largely determines what interest rate you will qualify for. Fortunately it is easy to request all three of these reports without spending a dime. Most credit report sites offering free access to your credit reports are trying to sell you services. Congress recently enacted legislation requiring credit agencies to provide you access to your credit reports for free. The website annualcreditreports.com will allow you full access to all three of your credit reports (Experian, Trans Union, and Equifax) at no charge.

Once you have all three credit reports carefully review them for errors. If you find errors you will need to dispute them. Pay close attention to your record of on-time payments. You will want to have at least six months of on-time payments before you start shopping for your new greeneasylife.com mortgage loan.

Stop Spending

Never make large purchases prior to refinancing your mortgages. Anything that is financed, right down to a television or kitchen appliance will impact your credit. Avoid making purchases, pay down your credit cards, and put money in the bank for at least six months prior to refinancing your mortgage.

Shop Around for the Best Mortgage

Do not make the mistake of signing the first mortgage offer your receive. You need to shop from a variety of mortgage lenders and compare all aspects of the loan offer, not simply the interest rate. To learn more about shopping for the best greeneasylife.com mortgage loan while avoiding mortgage pitfalls, register for a free mortgage guidebook using the links below.

To get your free mortgage guidebook visit RefiAdvisor.com using the link below.

Louie Latour specializes in showing homeowners how to avoid common target="_new" mortgage mistakes and predatory lenders. For a free copy of "refiadvisor.com Mortgage Refinancing: What You Need to Know," which teaches strategies to find the best mortgage and save thousands of dollars in the process, visit Refiadvisor.com.

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A Few Very Important Things That All Aspiring Actors Should Carefully Consider

It is no very big secret at all that many people within our society consider themselves to be actors. What most people do not realize is that a few of these people are actually very sincere in their intentions. If you are such a person, you should probably consider reading further. I'm going to pass along some very basic, yet important, advice that might assist you a great deal. While I can't promise that this advice will land you on a hit television show (no advice alone can as luck is often a large factor), I can tell you that it will help you stand out a little better, alongside the army of other people out there who consider themselves to be professional actors.

The very first thing that any aspiring actor should keep in mind is how very important it is to master the skill of cold reading. This is so incredibly important that I need to repeat it. MASTER THE SKILL OF COLD READING! Unless you are a well known Hollywood personality, you are going to have to cold read for every single part you desire. Once you get into an audition, your read is so much more important than the amount of money that you spent on your head shots. People who can read and then process what they have just read very quickly will be capable of mastering this skill well. Their mental gifts allow them to do very high quality reads. I happen to be blessed with reading as well as comprehension skills and this is why I found mastering my cold read skills to be so simple. I once had a theater professor tell me that my cold read for a Tina Howe play, was better than a good portion of the many well polished final performances he had seen. At first he accused me of having not only previously seen the script but actually having played the role before. I had to assure him that this was not the case. This was because I have the luck to be blessed with such reading comprehension skills. If you are somebody who suffers in this area, do not stress out. You simply have to take it slow and practice as much as possible. Quicker reading skills can be found through practice.

Some aspiring "up and comers" forget another very important key to finding success within this field at any level. YOU HAVE TO BE FLEXIBLE! There is simply no way around this. We've all probably met aspiring performers who are not afraid to say something along the lines of: "I only do comedy never anything serious", or maybe: "I only do serious roles and never low brow comedic ones". This type of attitude will kill any chance you might of had a career dead in it's tracks! If you've never been paid well for a certain type of role, then how the heck do you know what type of jobs work best for you? I realize that some professional actors tend to get type casted. If you search the library of their work, you'll typically find, that they too, have been very flexible in the past. It is very important to consider the very high paid Hollywood "A-list" type of actor. Occasionally these people will play a similar role a few times, however, they reached their height of success by being very flexible! This is why the studios not only want them but pay them what often seems like ungodly amounts of money.

It is so very important for all aspiring actors to not forget how very important some of the good ol' fashioned performing techniques can be. If you are just starting out, alot of these techniques will seem very odd to you. You need to kill that attitude right now because I'll tell you a little secret. A GOOD PORTION OF ACTORS ARE ODD PEOPLE! Why do you think so many people consider some of the "A-listers" as being so eccentric? This is a nice way of saying that they seem strange. Their job requires them to practice techniques and routines that often look out of place to any outsider. Some actors live and die by a technique called "method acting". This is were you actually become the character (even at home in your personal life). I've given this a try and it wasn't for me. It wasn't the best way for me to get the results that I wanted, but it might work very well for you. All actors are quite different. One thing that always worked for me was to lay down on a sofa, that rested back stage, and to close my eyes while I allowed my mind to clear. I would imagine that I was actually in the process of "becoming the character". This might seem strange to some but consider the results of a performer that takes his method acting home, especially if he is playing a violent or sociopathic personality. A few very famous actors that are well known for playing violent characters in films, have suffered huge expenses within their personal lives because of method acting. However all techniques should always be kept within a certain degree of logic as well security.

The last important piece of advice that I can offer is to not waste time or money on any scams that are out there. You should be well aware of the simple fact that there are many other people in your city that also want to be actors. There are VERY large numbers of people in your area that desire such a career goal as much as you do! Con artists who want to make a quick and easy profit are very aware of this situation and they will prey on you. There are many so called "modeling agencies" that want to sell you very costly head shots and "special advantage kits" or "special advantage programs" that are suppose to help you succeed as either an actor or model. The old saying: "A fool and his money soon part" comes into mind when I see such adds within any directory. These are simply people who want your money and have no intentions of helping you get work. The world already has prominent people who's job is to help actors get work, THEY'RE CALLED AGENTS! This should always be kept firmly in mind as being ripped off will waste enough time and money to set you apart from your intentional career goals.

Remember everything that has been discussed here as it is all very important for anybody who would like to professionally act. Keep in mind that the market is indeed an overcrowded one, so becoming accustomed to rejection will serve you quite well. Any famous Hollywood celebrity will typically have many tales of unending rejection from the beginning or their careers.

Getting Access to Homes For Sale

All around the world people are very much interested in how they can get access to homes for sale. This because there is no better property you can get apart from a home. Moreover, one of the best legacies you can leave for your children and future generations is home. It shows that you have a good level of foresight. In going in for homes that are for sale it is important you exercise some tremendous amount of caution. This is because there are people out there ready to offer some dubious deals even without the requisite documentation to your own peril.

Indeed one of the best places you can get homes for sale is on the internet. The internet will grant you access to a number of websites and companies that are well specialized in the sale of homes to the general public. Some of these websites will afford you the opportunity of comparing the prices of all the homes on offer. Moreover, for those who live not far away from the property, you could even get the chance of seeing the house for yourself. You must, however, be very careful in choosing the right kind of place to buy the home. Ensure that you check out the customer reviews of the website or company in question so that you know it is genuine. It will also give you the opportunity of knowing the kind of services that they offer.

You can also get homes for sale from the numerous real estate agencies that are scattered around. Even though they will always charge you for the services they provide it is well worth the money. They provide a unique intermediation for sellers of homes and those who are interested in buying. You could even get houses from these which you would never have imagined to see. It is important to note that, there is the need to cross check the houses that you choose. You should endeavour to go and see the house for yourself so that you know you in a genuine deal. They will also help you to compare prices of the various homes for sale. This way you would be able to choose the best one possible.

Undoubtedly, the numerous homeforcheap.com homes for sale can be easily accessed on the internet as well as from the real estate agents that are around. Visit my site homeforcheap.com homeforcheap.com/ to find out how you can order home for sale

Choosing a Good Nanny Over Daycare - 2 Scenarios For Working Women to Consider

One of the best investments a working woman can make is in a good nanny. A good nanny is worth every penny in the quality of life that she can provide you and your baby.

Above all, babies need love. Many people place a high value on socialization, but it has been my experience that socialization is overrated. Providing your child with consistent, loving care is much more important and will result in well adjusted children and a work life balance that you can enjoy. The following two scenarios are real life scenarios. They are just two out of many that I have witnessed.

Daycare

Dustin has been in daycare since he was one year old because his parents felt it was important that he be socialized. In daycare he learned to bite other children and that he had to throw huge temper tantrums to get the attention he wanted from his harried caregivers. Today Dustin is 4 years old and he is juggled between pre-school and daycare while his younger brother, Russ (1-1/2 years old), stays in daycare all day. Their father drops Dustin off at preschool most mornings and Dustin's grandmother picks both boys up from daycare most evenings and shuttles Dustin from preschool to daycare midday. Their mother drops Russ off at daycare in the mornings on her way to work.

They all spend a lot of time sitting in traffic. In the evening their mother has the boys watch TV while she prepares dinner because they always fight unless constantly supervised. She doesn't trust Dustin not to seriously hurt Russ and she feels like a referee. They have about an hour together while eating dinner before she lets them watch more TV while she does laundry, cleans the house and make lunches for the next day. Bedtime is usually a disaster because both boys hate going to bed since they have hardly had any time at all with their parents. Their dad usually deals with Dustin while mom puts Russ to bed.

Dustin is constantly getting in trouble at preschool. Recently, his parents were called in by school officials who were concerned about his behavior, particularly how he is purposefully bullying and hurting other kids. They feel that he is angry all of the time and said he needs more "Mommy" and "Daddy" time, meaning that he does not feel like he is getting enough love and attention. Meanwhile, Dustin's parents feel that their family life is completely out of control. They are barely managing the logistics of having two kids and would not be able to manage without the constant help of Dustin's grandmother to do some of the shuttling from place to place. They are very disappointed with Dustin because of the way he picks on his little brother and refuses to do anything they ask of him. Even worse, Russ is starting to act out as well. Although their top priority was to get the boys socialized, they rarely have play dates and they don't like to go out with the boys because they are so badly behaved.

Nanny

Claire's parents found a good nanny just before her mommy had to return to work when she was four months old. Her parent's top requirement was to find someone that would focus on Claire; both her development and to provide her with unconditional love. Claire's mother hated the idea that her baby would love someone else, but as she could not stop working, she wanted her baby to feel loved and secure above all things. Today their nanny takes care of both Claire (now four years old) and Mia (two). Claire's parents always miss the morning commute because they simply tell their nanny the day before what time they need her the next day. In addition, if both parents get stuck at work late, they simply call their nanny to let her know. During the day the girls play outside, learn about nature, ride tricycles, push their strollers around the neighborhood, draw, paint, make things with play dough, and many other enriching activities. Claire and Mia are fed healthy food that their Nanny cooks at home or prepares for little picnics at the park. She takes them to swim lessons, the discovery museum, and for play dates.

Due to the constant individual attention, both girls are very well behaved. Because their parents feel that the girls are learning more with their current routine than they will in preschool, they decided to skip preschool. While the girls are napping in the afternoon, their nanny cleans up the house and does laundry. She also defrosts and starts preparing food for dinner before leaving when Mom or Dad arrives home. When their mother gets home she fixes dinner while Claire and Mia read and play in their playroom. The girls rarely squabble as they are used to playing together and sharing. If they want more attention, then their mother seats them at the table in the kitchen with her where they talk, color or read. After dinner, and because most of the chores are already done, they all play together for an hour before it is time to get ready for bed. The girls enjoy their bedtime routine since they all get ready together. Because they share a room, their parents can usually hear the girls chatting together for a couple minutes before drifting off to sleep. Claire and Mia's parents love their family and the time they spend together. They feel both girls are well adjusted, well behaved and a delight to take on family outings. Both girls are comfortable playing with other kids their same age, as well as younger kids, older kids and adults.

In Conclusion

It has been my experience (raising three children that are close together in age) that my nanny is worth her weight in gold. I couldn't manage both my career and my family without her. In addition, she loves my children and I can trust that she would throw herself in front of a bus to save them should anything happen. We are a team, my husband, my nanny and me when it comes to raising our delightful children.

Not all nanny's are created equal. You need to find one that you can trust and who will provide your children loads of attention, strong guidance and lots of love. Keep looking until you find your perfect nanny. There are many online resources for finding nannies, like craigslist.org craigslist.org and sittercity.com sittercity.com. There are also local agencies, although they can be expensive. I have found that the very best resource is word of mouth, often leading you to a retired school teacher or someone who becomes available because their current young charges are grown and in school.

I have seen and interviewed many nannies for myself and for friends. Ask open ended questions when you interview them so that you can find out what their natural style is. I always ask them to tell me what a typical day with their charges is like. That way you can find someone whose natural style most closely aligns with your own. I recommend having at least one week of overlap with a new nanny to so that you can see her in action and ensure that your wishes are clearly understood. I also recommend popping in at random times for the first month or two to see if things are as they should be. Finally, if you have trust issues, install a nanny cam. My husband installed one hidden in a bookcase in our playroom as well as in the nursery. We stopped using it after a couple of months when we saw that our instructions were being followed. Some of the new nanny / surveillance cameras can be set up so that you can login from any computer and view what is going on in your home at any time during the day.

Copyright ? 2010 Julie Fagan

Julie Fagan founded A Briefcase Full of Diapers to help working women everywhere raise healthy children and achieve the best possible work-life balance. As a senior level manger in the high-tech industry with three healthy children, she has spent hours researching children's and maternal health topics. She has a wealth of information and experience to share with other working mothers and career women who are considering taking the plunge into motherhood. To read more articles by Julie and to learn more about her consulting services please visit her website at: briefcasefullofdiapers.com briefcasefullofdiapers.com

CLASS Act Provisions On Long-Term Care

CLASS Act, which stands for Community Living Assistance Services and Support Act, is considered as the first national, voluntary and government-facilitated insurance plan for long-term care in the United States. It was signed into law by President Barrack Obama on March 23, 2010 but only took effect last January 1, 2011.

The primary goal of the act is to provide means to employed adults to pay for long term care and health assistance through a salary deduction scheme and to augment the role of Medicaid and other insurance coverage. Nowadays, Medicaid pays more than 40% of personal care for senior citizens and disabled people. Cash benefits that will be provided by the CLASS Act would give American families the flexibility to pay for long-term care plans without putting a hole in their pocket.

The law is expected to have an impact in the year 2013, until all details are worked out. The Department of Health and Human Services is the government agency tasked to draft and implement the rules and regulations of the CLASS Act program. The rules will be decided by the Secretary no later than October 1, 2012.

Here are some of the most basic and significant provisions of the law:

Who are entitled to enrol in the program?

Any employed individuals, 18 years old and above, are eligible to join in the program. This includes part-time workers and self-employed ones. Applicants must be employed for at least 3 years before they can get their benefits. The person must not have previous history of institutional care.

How does it work?

It is a voluntary policy. People who want to avail the benefits of CLASS program need to pay for the premiums on a monthly basis through a salary deduction system. Members will be automatically enrolled through their companies and have their premiums deducted through their payroll, but with the choice to opt out.

How long is the waiting period?

Unlike private LTCi policies that pay for benefits on a daily, monthly, or annual basis, the CLASS Act commands a five-year waiting period. This means that an applicant can only receive the benefits after she or she completed paying the premiums for five years.

Are there any health qualifications?

None, fortunately. One positive provision of the CLASS program is that it accepts all qualified applicants, regardless of their pre-existing health conditions. This is different from private insurance policies in which they disapprove anyone with health problems. Underwriting process is not necessary for qualified applicants.

What are the benefits?

CLASS ACT will provide cash benefits which can be utilized to pay for a wide range of care services, including nursing home expenses, assisted living, and many others. The minimum benefit is US$50 per day, but the Congressional Budget Office assigns US$75 daily benefit to members who need backings on two or more activities for daily living.

For more information on the provisions of completelongtermcare.com/resources/class-act.aspx long term care CLASS Act, visit CompleteLongTermCare.com. Secure your future by purchasing completelongtermcare.com long term care ins now!

Should a Busy Parent Consider Child Care Services? Tips on Home Child Care Services

If you are the type of parent who wants to ensure that all of your child's needs are given then you may want to consider childcare services. Parents can be out of the house for at least 9 hours a day because of work thus it would sensible for them to allow someone to keep an eye on their child while they are away. For parents who are frequently called away from their house to have to work out of town or out of the country, then a home childcare worker is needed.

A home child care worker is a person who is tasked to give care to a child in their home and she ensures that everything that a child needs is given. In your search, you will see that there are a great number of people who wish to work for you but you may want to consider having someone that your child will like and feel at ease with.

But most of the time, hiring the work of a childcare service is something that you will have to pay a substantial amount of money for. Sometimes even the transportation of the home child worker is shouldered by parents thus you may want to ask about the arrangement first before you allow her to do the work.

In order to be sure, you can hire the help of an agency that is willing to screen and locate qualified child caretakers. You should do a lot of research before hiring a home child cargegiver. Think about your child, you surely don't want him to be with someone who can't control her temper.

Get more tips on childcarepost.com/information/36/childcareservices.html child care services and how other concerned parents have selected the best childcarepost.com/information/36/childcareservices.html home child care service

How To Shop For Health Insurance

The next time you shop for health insurance, you will need to keep in mind the fact that you should be looking for an amazing broker that will guide you through this process. Trying to find the right plan could be confusing for anyone, but it does not actually have to be. Keep it simple, call an agent.

Even the elderly are fact with health care issues. They have to deal with the fact that one day they will no longer be able to live by themselves and this could be a rather stressful thing for many people. They might feel like they will lose some form of independence and will no longer be useful to anyone. You could make this a lot easier for your parent if you just talk about this in advance.

Your parents might have been living in their homes for a very long time so one of the best solutions could be home care. You could also try to find the right home health-care provider on your own, however, this might not be the best choice because you might not be able to check all the references or do all the background checks. You will also be required to learn about taxes, bonds, and insurance. You'd be a lot better off looking for an agency that deals with these situations. Great agencies that supply home-care aides will possess a good business record while also ensuring their caregiver has been thoroughly checked.

A home-care companion could help walk, provide meals, and do a bit of housekeeping, and a certified home health care aide could help bathe, dress and also do all those other tasks listed above. The happinesslifetime.com home care agency will manage their own aides and the aide will take care of this family member, so you could go about doing what you need done. This is the best choice for letting yourself maintain great relationships with everyone in your family while enjoying one another company as much as you can.

Licensed home happinesslifetime.com care agencies will supply caregivers to those who need non-medical services or even home health care. These employees are screened, certified, while also having a great background which will also be checked by the company. The wages, taxes, bonding, and insurance will all be taken care of by the company. There are some that also have vans that can shuttle the caregiver straight to the home which assures great and timely service.

Experience is definitely one the most crucial aspects of any contracted health care provider. You should be sure that you ask for the references and whether the client might have a few success stories to mention. Home health care providers in the area should have countless references in order for them to be trusted. You should also make sure they are approved by Better business Bureau or BBB.

One of the best benefits that could come from dealing with the professionals is the relationships that develop between the clients,the family and also the caregiver and their supervisor. The family will also be able to trust their caregiver and the relationship will feel a lot better, letting everyone enjoy the experience.

If you'd like to find out about medicalinsurancepolicies.org/pre-existing-conditions health insurance for pre existing conditions then click over to medicalinsurancepolicies.org medical insurance policies.

Basics of Fashion Modeling

So you want to become a fashion model? Well you have come to the right place to get a little insight in the modelling business.

A lot of girls (and even some guys) want to be a model because it's glamorous. However, it's an extremely competitive and grueling business that will more likely break you than make you. Here are some cold, hard truths about becoming a model, as well as some realistic advice to make it happen.

Realize that there are qualities every model needs to have, depending on the type of model one wishes to become. Generally, any feature indicative of good health is a must--clear skin, a full head of hair, and overall symmetry. Other qualities such as height and weight depend on what you're modelling.

Decide what kind of model you would like to be. Technically, anybody can be a model. However, do remember that if you don't meet certain requirements, the work available to you will be incredibly limited, and you may have to compensate in other departments (reliability, technique, etc).

You can be quite thin and toned yet still quite curvy to be an average model, or big and curvy to be a plus size model.

If you're tall (at the very least 5'7) and very skinny but with a small breast size, you can be a catwalk model.

If you have large breasts but not very wide hips, you can be an underwear model.

If you don't fit any of the face or body descriptions, perhaps you can be a foot, hair or hand model.

Get some photos done. These don't have to be professional but they should be created for the purpose of showing your ability as a model. Although agencies say they are happy with snapshots, that doesn't mean they want to see an out of focus shot of you out partying with your friends with a little note attached saying that you're the one on the right! As a bare minimum, you will need one headshot and one body shot.

Get a website. It helps spread the word that you're out there and also serves as a place for your adoring fans.

Look up the number of a reputable modelling agency. You can find these in your area phone book or by running a search on the Internet. Make an appointment. Be prepared. When you attend your appointment, they might ask you to pull certain faces like laughing, happy, sad, or seductive. Practice in front of a mirror beforehand. It may help to look at pictures of models in magazines to get an idea. They will ask you to walk and take your measurements, so be prepared for all of that as well.

Be polite and always turn up on time to any appointment or shoot. If you're late or rude, word soon gets around and then nobody will want to work with you.

If going to an interview with an agency isn't something you want to do right now or just doesn't seem right for you, you can consider entering modelling contests. However, make sure you check that these are being run by a reputable agency.

If, for whatever reason, you've decided signing with an agency isn't right for you, you could consider going freelance. But be warned- the pay is usually considerably less and there are fewer safety precautions.

Confirm whether or not there will be a make-up artist on site for any work you are doing. 99 times out of 100 there will be but there may be the odd occasion where you are required to do your own make-up. If there is a make-up artist, then arrive fresh faced.

Be aware of the fact that if you become one of the top models like Naomi Campbell; Tyra Banks the people you work for might ask you to take drastic measures to stay a top model. For example, they might ask you to get nose jobs, liposuction, or have breast implants. And lose more weight.

Other models can be mean, but you're still going to have to smile and hug them for the photos. Get your parents' permission if you're under 21.

It is recommended that you get some sort of training. Like doctors, lawyers, or any major profession a degree and certain amount of training to acquire proper skills is highly necessary. Fashion modelling books are a great resource to help you in becoming a model and to educate you on the business. Some modelling schools are licensed by the Board of Education.

However, whether or not they will teach you have to become a model is questionable and some agencies even say that attending a modelling school can teach you bad habits that are hard to unlearn! They are also expensive.

Be organized! Models often get called off places at the last minute and have very busy days. You need to be on top of things if you want to succeed. Buying a day-to-day planner can really help.

Modelling is a tough business. Try not to be discouraged by rejections. Even top models still get rejected for about 70% of everything they are put forward for! Don't let people get you down! Learn to accept rejection politely. Thank the people for their time.

Be truthful about your measurements. Don't say you're skinnier than you are just to get a shoot. Once there, the stylist will have problems and you will get found out. Word will get around and you could find yourself without a career.

Be wary of any agency that asks for money up front. The majority of agencies get their money through commission- meaning they take a certain percentage of your pay for every job that you do. If you don't work, then they don't get paid. If you've already paid up, there's no incentive for them to find you work.

If you are sure that they are an agency, listen carefully to what they are asking for the fees for. Bigger agencies in bigger markets will often pay for these for you or at least loan you the money but smaller agencies or agencies in smaller markets can't afford to do this.

If the fees are to cover actual representation, this probably isn't a good deal. Although there are some good agencies out there who work on this basis, the majority are nothing more than con artists. Find models that they represent get in touch with them and ask them what they think of the representation they are getting.

Know your limits on style and nudity. If you don't want to do glamour work or are uncomfortable doing full nudity, speak up and don't let people push you past those limits. Also, consider where you want your career to go in the future. Sure, you may be comfortable doing glamour now, but what if you decide you want to do fashion or catalogue work in the future? You might be discriminated against if they know you have done this line of work.

Be aware that the pressure of modelling can cause a lot of long term mental health problems, including eating disorders. Don't be afraid to speak to somebody if you think it is getting all too much. If you just can't handle the pressure, it may be time to start thinking of a new profession. A job isn't worth your health!

If you are invited to a foreign country (i.e. Hong Kong, Macau etc.) for an audition or job, have enough funds to purchase a return ticket yourself. While legitimate jobs exist, there are many scams that provide one way tickets then trap young girls into prostitution rings when they cannot afford to go back home.

If you are planning a photo shoot with a photographer you have met online, it is highly recommended that you bring a chaperone to the shoot. It's for your own safety, as you never know who is who online!

If you can't bring a chaperon (because you are unable to find one or because the photographer doesn't allow chaperons), make sure you do a background search on the photographer first- check out things such as who they have worked with and for and call somebody when you get to the shoot and when you leave the shoot.

Things you'll need

At least three good head shots and several full body shots wearing different outfits, in different poses, and don't forget to add a b&w picture as well to send into agencies.

Confidence will play the largest per cent of what you will need, all the head shots and poses won't mean a thing if you don't believe in yourself.

wanttobeafashionmodel.com/fashionblog wanttobeafashionmodel.com/fashionblog

These Loans Are Obtainable From All Banks And Many Money Lending Agencies

Home greeneasylife.com equity loans are always a way out for home owners to access cash whenever they need it. These loans are obtainable from all banks and many money lending agencies both in the high streets and online. They are secured against the home so it is not difficult to qualify to get one.

Be careful not to abuse this loan as it could get you into financial problems. Only make use of the loan if there is no other way out for you. It is always the better option to save the money for a project rather than borrow the money. In most cases it is a case of impatience. We do not want to wait a little while for something but want it immediately and then have debt for many years to come.

The most popular use for these loans is home renovations. Banks decided in the beginning that this would be a good way for home owners to access cash to pay for the periodic repairs on their homes. The loan does not necessarily only have to be used for this purpose but it is nice to be able to pay for the renovations on your home.

The banks will either pay out the loan in a lump sum to you or they will open a line of credit that you can utilise as you like. This system works very well when you are renovating your home as you can draw the money to pay the expenses as the work is done and you will be able to keep track of what is spent. When the project is completed you will be able to see that none of the loan has been wasted on anything other than what it was loaned for.

This author writes informative articles on various subjects.

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