Diabetes and Nursing Care

Health and fitness is a tri-billion segment of the economy. Everybody seeks to be worry-free and debt-free while achieving a healthy lifestyle. Reality tells us, however, that not all can be free from getting inflicted with diseases because some of them are attributed by the natural side of existence. Genetics can give rise to ailments like cancer and diabetes. Diabetes and nursing care is collectively among the popular topics in the health sector nowadays because old people who have Type 1 and Type 2 diabetes are to be treated in nursing homes and health agencies. The American Diabetes Association has created standards in order to guide nursing professionals to afford diabetics with extra care and treatment.

Researchers keep track on how diabetic people are given blood glucose treatments, and according to recent surveys, around 40% of the patients meet the goals while the remaining 60% have to be given more attention to achieve satisfactory sugar blood levels. In diabetes, there are there fields that need to be checked on to determine life expectancy among diabetics. These areas are cardiovascular risk factors like cholesterol, blood sugar level and hypertension control aspect. The basic information on diabetes and nursing care are health segments that experts and patients should be well-informed of so that appropriate treatments are secured.

In nursing homes in the United States and Europe, researchers and caretakers are continuously following certain protocols on diabetes and nursing care. These protocols are given to health directors of nursing homes so that they can be included in their regular studies. Follow-throughs are necessary to keep track on the efficacy of such codes of conduct. It has been discovered that diabetes appears to be on different degree for older individuals. Making it so complicated to manage diabetes are factors like aging process and health capacity to adopt treatments. There are opportunities, however, that health stability and prevention for the elderly to cope with diabetes and enhance the quality of their existence in the long run.

It's a serious note to learn all the angles of diabetes and nursing care. Elderly diabetes is triple times in need of extra treatment and hospitalization than those without diabetes. A great burden sets on the shoulders of those suffering such ailment especially when aging seems to conspire with it. Health care systems are being upgraded to meet the needs of diabetic individuals in nursing homes to avoid diabetes-related episodes like strokes and mild heart attack. Relatives of diabetics who are sent to nursing homes should not isolate themselves from the patients. Instead, they must extend support to whatever systems employed by the health professionals. They too can serve as caretakers when they opt to care for their loved ones at their own residence.

Ian Pennington is an accomplished niche website developer and author. To learn more about diabetes [mydiabetessite.info/diabetes-and-nursing-care], please visit My Diabetes Site [mydiabetessite.info] for current articles and discussions.

Become Self Employed Without Leaving Home

Why do people find self employment and work at home positions so rewarding? The answer is different for each individual, but being able to be in control and set your own hours are the chief two reasons so many are looking for this type of work. There are many jobs available that let you do work from home, but you have to choose your opportunities wisely.

You can use Internet resources to help you locate all types of work, from telecommuting for an employer to operating your own full time home based businesses. Take a careful look at your interests and skills. Then, research the market to see how those abilities fit in with the availability of these options. Coming up with a workable plan on paper is critical to discovering what opportunity is best for you.

Individuals who have clerical and administrative skills can find that the Internet has thousands of available opportunities. You can find employment doing medical and legal transcription at home if you have the equipment and training. These jobs pay top dollar to qualified applicants, but you need to have certain experience in order to be a serious candidate.

Some companies are hiring people to work in virtual call centers. These types of businesses need someone to set appointments, handle email and more. Data entry is another outsourced job that provides a number of opportunities for at home workers. This kind of employment can be full or part time and the hours can easily be fit into your personal and family schedule.

There are also individuals who are finding interesting jobs online that pay real money for just a small amount of time and effort. A few examples of these jobs include working as paid survey takers and mystery shoppers.

Today people get paid for doing web postings, moderating message boards and chat rooms and updating blogs and websites. Hundreds of sites exist that have sign up opportunities available. Be aware that some of them are so popular in fact, that you may be placed on a short waiting list before you are offered an assignment.

People are also discovering they can earn extra money freelancing as product reviewers or writers. You can sell arts and crafts online and even get paid cold cash for giving advice or sharing recipes.

For the more technical, "geeky" types, if you know all of the ins and outs of computers and programming, there are many companies that will be eager to hire you. You might find work as a contractor who creates scripts and programs or even to help man customer support lines and help desks.

If working for someone else isn't your cup of tea, you might choose to invest in a business of your own. If you want to start an at home business you must approach it in the right manner. This means being self-disciplined and organized because you are creating a real business. You may want to remain a freelance worker, but you might prefer to set yourself up as an owner of a small business instead.

The first thing to do is decide if this is really what you want. Next, you'll need to do your research. Ask a tax agency or an accountant for the proper advice about self employment. Getting a business license, tax ID number and a bank account cost very little money and can be done quickly.

It is best if you have the money on hand to cover any of the startup expenses, but if your business idea needs more resources than you can afford to get off the ground, a greeneasylife.com/CashLoan small loan might be in order.

Having a business.educationeasy.net business plan and guideline at the very beginning will give you a head start and prevent some stumbling blocks that might occur later on. Because transactions online are often done through PayPal or credit cards, you need a business account to keep business funds separate from your personal finances.

You must also have a method of bookkeeping that will allow you to keep up with your expenses and deductions for tax purposes. Self employment means that you are responsible for include social security and income taxes as well as any retirement funds, so getting sound, professional advice is crucial to your success.

HomeNetPro is dedicated to helping people find honest and legitimate homenetpro.com work from home jobs and home business ideas. Find legitimate homenetpro.com work from home today by visiting: HomeNetPro.com

Living Cheap Guide to a Free Or Low Cost Health Care Option

There may be a facility that can provide you free or very low cost heath care. That facility could be right in your home town. It is available because of a law that was passed by the US Congress back in 1946. Even though it is an older law, because of it there are still facilities out there that you might be able to take advantage of.

In 1946, Congress passed a law that gave hospitals, nursing homes and other health facilities grants and loans for construction and modernization. In return, they agreed to provide a reasonable volume of services to persons unable to pay and to make their services available to all persons residing in the local area. The program stopped providing funds in 1997, but about 200 health care facilities nationwide are still obligated to provide free or reduced-cost care.

The program is called the Hill-Burton Free or reduced-cost Care program. Under the program you could be eligible for free health care or low cost health care. The first step is to find out if there is a facility near you that you can go to.

There are currently 218 Facilities as of (12/18/2008) that are required to take care of eligible persons. There are facilities all over the country but there are no facilities in these states: Indiana, Nebraska, Nevada, Rhode Island, Utah and Wyoming. There should be facilities located in every other state.

You can locate a facility through the Health Resources and Services Administration (HRSA), an agency of the U.S. Department of Health and Human Services. You can access a list online at the HRSA website. Look for hillburton.

There are certain eligibility requirements that need to be met in order to get free or low cost health care services from these facilities. It has to do with your income and how your income or lack of income compares with the federal poverty income level.

You are eligible to apply for Hill-Burton free care if your income is at or below the current HHS Poverty Guidelines. You may be eligible for Hill-Burton reduced-cost care if your income is as much as two times (triple for nursing home care) the HHS Poverty Guidelines. Here is how to find out if you are eligible.

Go to the facility's admissions or business office and ask for a copy of the Hill-Burton Individual Notice. The Individual Notice will tell you what income level makes you eligible for free or reduced-cost care, what services might be covered, and exactly where in the facility to apply.

Go to the office listed in the Individual Notice and say you want to apply for Hill-Burton free or reduced-cost care. You may need to fill out a form.

Gather any other required documents (such as a pay stub to prove income eligibility) and take or send them to the obligated facility.

If you are asked to apply for Medicaid, Medicare, or some other financial assistance program, you must do so.

When you apply for Hill-Burton care, the obligated facility must provide you with a written statement that tells you what free or reduced-cost care services you will get or why you have been denied.

You may file a complaint with the U.S. Department of Health and Human Services if you believe you have been unfairly denied Hill-Burton free or reduced-cost care. Your complaint must be in writing and can be a letter that simply states the facts and dates concerning the complaint. You may call your local legal aid services for help in filing a complaint. Send complaints to:

Director, Division of Facilities Compliance and Recovery

5600 Fishers Lane

Room 10-105

Rockville, MD 20857

Living cheap expert Scott Siegel can show you how you can live cheap! Learn how you can master the art of livingcheapguide.com cheap living. See how in the livingcheapguide.com guide to living cheap. Visit LivingCheapGuide.com

How Assisted Living Care Can Help Your Elderly Loved One

When people think of the word "caregiver", the scenario that comes to mind is a mother or father caring for a child. But as time passes this role can reverse, with the child becoming responsible for an elderly parents needs. If the responsibility of caring for an older parent, relative, or loved one falls on your shoulders and you attend to the majority of their needs, assisted living care can provide supplementary care and relief.

Many older parents live alone, but if they suffer from health related problems or have difficulties with everyday tasks. Sometimes, a doctor may recommend they receive extra care or declare them unable to live by themselves. Children, who now have families of their own sometimes struggle with the responsibility of providing additional care for their loved ones but are reluctant or unwilling to send them to local elder care facilities. Assisted living care can provide resources and services that make it easier for caregivers to go about their daily activities but allow elderly loved ones to benefit from support and a structured environment.

If you're caring for an elderly relative, parent, or loved one, you no doubt have other responsibilities such as work, caring for children, and a busy schedule. Assisted living care workers can visit your home and serve as companions for a loved one, taking care of small tasks such as administering medications, driving, assisting with grocery shopping, cooking meals, and cleaning up. These services provide peace of mind to caregivers.

How Assisted Living Care Can Help a Family:

Lisa spends the majority of her time working for the government and caring for her husband, who suffers from a long-term illness. A while ago, she realized that her 86-year-old mother Mary was having some difficulty living on her own (she'd had several fall injuries) and Mary's doctor recommended she get help and move in with Lisa. Lisa soon realized that her hectic schedule and husband's needs made it difficult to provide the best care for Mary, but she was reluctant to place her in an adult day care center or community elder care center.

She then found out about another solution-assisted living caregivers were available to visit Mary at her home several times a week, allowing Lisa time to care for her husband and enjoy free time and run errands. "It has been a great relief for when I need to go to work and can't care for my mother. I'm very grateful for assisted living care services because I didn't want to move her to a facility. She'll stay at home with us because growing up, she was always there for me and I intend to be there for her."

Anticipating relief from assisted living care services can be a lifesaver. Take the time to assess your needs and look into what assisted living care services can do for your family or loved ones. They'll help you work together to ensure each other's happiness.

Erica Ronchetti is a freelance writer for Visiting Angels, the nation's leading, network of non-medical, visitingangels.com assisted living facilities provider to help the elderly and adults continue to live in their homes across America. Visit the Visiting Angels website to find out more information on visitingangels.com/assisted-living-care-can-be-made-easy.asp Assisted Living Care programs.

Do Rental Car Agencies Charge More For Drivers Under Or Over A Certain Age?

When you are traveling, there are many things to think about and do before you leave for your destination. You have to pre-plan a lot of services and book flights, hotel rooms, rental cars and more before you even leave your home. There is a lot to do and a lot to think about, but it is always better to do these things before you leave so that you can fully enjoy your vacation. No one wants to arrive at their vacation destination only to find out that there are no rental cars available!

In the last few years car rental agencies have tightened up their rules and regulations quite a bit. A few years ago anyone could rent a car as long as they had their drivers' license and were over the age of eighteen. Today however, a lot of rental companies have put some stipulations on the class of the renter's license and also on the age of the renter.

A lot of car rental companies now have the rule that a driver has to be at least twenty five years of age and carry a full license to be able to rent one of their vehicles. This limits their business a little bit, but they feel that there will be less accidents involving their rental cars this way. At some agencies this rule is bent a bit; for example, the renter can be under twenty five, but they still have to have their full license, or they have to be over the age of twenty five but don't have to have their full license.

Many rental agencies that do not have these rules will actually charge more for drivers that are younger than twenty five or drivers that do not yet possess their full license. This extra charge can be anywhere from an extra twenty dollars to an extra one hundred dollars! Basically, a lot car rental companies are being more careful with younger drivers. Sometimes they will also request that the renter supply a credit card before they can rent a car.

Most people expect that there could be an age limit on younger drivers who are looking to rent a car for a few days, but not many people realize that rental agencies are also putting age limits on senior citizens. Many times senior citizens tend to slip under the radar with these types of regulations, but some rental companies are now including them in their age standards. They tend to actually be stricter with older drivers than with younger drivers! At some discountcar.com.au car rental places, if you are over their set age limit, you can forget about renting a car from them. At other places, if you are over a certain age you will have to pay an extra charge to acquire rental services from them.

There are still many car rental agencies that do not yet have these rules and regulations set up, and anyone can rent a car from them with no worries of extra charges and fees.

For your next personal, business or holiday discountcar.com.au car hire in Australia, choose from a complete range of vehicles from compacts to minibus. No credit card required. discountcar.com.au discountcar.com.au/

How to Become a Certified Nursing Aide

The person providing the hands-on care at nursing homes and hospitals is the professional Certified Nursing Aide, also referred to as the Certified Nursing Assistant or "C.N.A." This person is considered a direct caregiver. Certified Nursing Aides also provide care for seniors in their homes as employees of senior home happinesslifetime.com care agencies.

Positions similar to a nursing aide which require less training to provide care are a Home Health Aide and Personal Care Assistant. Certification requirements vary based on the requirements of each state's laws and licensing regulations.

A Certified Nursing Aide can find employment at hospitals, nursing homes, assisted living communities, senior day care centers, senior home happinesslifetime.com care agencies, hospices and community senior service programs. Usually a Registered Nurse supervises the Certified Nursing Assistant. However, the nursing aide is the person who has daily contact with the senior and can be the most valuable source of information about the senior's condition for doctors and family members.

Where and how are aides trained? Community colleges, community service programs and sometimes hospitals provide training programs for certification. These can be full-time day programs which will only last for a couple months or evening programs. Field experience is required which involves working in an actual care setting, such as a nursing home. By becoming involved in the daily routine of caregiving, the nursing aide student can apply the skills they have learned in the classroom to develop competency. Background checks, drug testing and necessary immunizations are also required for completion of the nursing certificate.

Over the past several years, a staffing shortage has developed for Certified Nursing Aides because of the growing population of older adults. In addition, as medical technology has improved, many seniors are living longer lives while requiring additional care for their medical conditions such as the use of oxygen, multiple medications and mobility assistance. Many times hands-on care assistance is also required.

In addition to the need for more caregivers because of the aging population, there is also the issue of burnout which causes high-turnover of caregivers at nursing facilities and hospitals. Many times it is a challenge to provide quality care to multiple patients. Because of this, many Certified Nursing Aides prefer to work for senior home happinesslifetime.com care agencies where they are caring for just one person at a time.

Duties Certified Nursing Assistants perform include:

* Dressing

* Bathing

* Feeding

* Toileting

* Vital signs

* Catheter care

* Assists with ambulation

* Range of Motion Exercises

* Assists into and out of wheelchairs

* Makes beds, changes bed linens

* Turns bedridden patients every two hours, to prevent bedsores

* Provides updates to care plans to supervisor

* Monitors safety

* Documents daily care provided in care plan notes

* Light housekeeping to maintain cleanliness

In addition to providing assistance for a senior's physical care needs, nursing assistants also provide emotional support. They are often the only person a senior has regular interactions with and because of this, the senior will lean on them for emotional support. Aides are also trained to relieve stress by talking to co-workers and supervisors, exercising, meditating and using humor.

Caregivers interested in becoming a certified nursing aide can review the nursing aide skills test and research programs offered in their area and apply for a caregiverlist.com/CaregivingJobs.aspx caregiving job.

Julie A. Northcutt, President of Caregiverlist.com, works to connect seniors and their loved ones with quality senior care options and caregivers with employment opportunities. Caregiverlist.com provides information on elderly care and assists in finding premier senior home care agencies by qualifying your care needs and required services: caregiverlist.com caregiverlist.com

Become a Registered Certified Nursing Assistant and Be in Demand

A much in demand profession, certified nursing assistants (CNA) are a critical part of a medical team. A CNA works under the direction of a registered nurse, licensed practical nurse or a doctor. They use their education and healthcare skills to assist the nurses in a hospital, nursing home or other care facility. The CNA helps with daily tasks such as helping patients to bathe and dress, serving meals and making beds. CNA's also gather basic patient health information such as taking blood pressure, temperature and pulse rates and report those findings to their nursing supervisor or to the doctor him or herself. A CNA may also assist with medical procedures, report on the status change of a patient or escort a patient within the medical facility for medical tests. CNA's often have more contact with the patient than other medical personnel, as they help them live more comfortably for the duration of their medical stay, and usually develop a strong bond with them.

Typically, CNA programs are offered at community colleges or technical schools and can be completed in a short period of time, usually less than a year. A prerequisite is a high school diploma. The student can expect to be challenged to determine if they can handle the mental and physical demands of such a career. Educational and certification requirements vary from state to state but a typical course of study might include medical terminology, structure and function of the human body, CPR, first aid, basic computer operation, basic patient care and a clinical internship. Students learn how to take vital signs, dress, bathe and feed a patient and provide catheter care. These skills age practiced during a clinical internship at a hospital, nursing home or other care facility. The internship is supervised by a licensed health care professional. Before you enroll in a program, make sure it is approved by whatever state agency approves CNA programs and curriculum in your state.

In order to become certified, a student must also complete 75 hours of nursing assistant training along with a comprehensive examination. Some states have additional requirements and graduates should check with the local registration board for a complete list of requirements. In order to maintain certification, CNA's might be required to complete continuing education programs every year or perhaps every two years. If you move to another state after being certified you will most likely need to become certified in your new state.

Once certified, a CNA can expect to find employment in a nursing home, hospital, assisted care facility, hospice, doctor's office, urgent care center, day care centers and schools or medical clinics. CNA's should have a desire to help people of all ages and abilities and be willing to work hard. A CNA should be responsible, compassionate, patient, emotionally stable and cheerful. CNA's should also be tactful, honest, willing to take orders and comply with all the rules and regulations regarding patient confidentially. If these are qualities you posses and you have a desire to help people, a career as a CNA might just be your calling.

If you're ready to start your yourcnatrainingguide.com CNA Training & Certification, we have more great tools and resources on our website yourcnatrainingguide.com yourcnatrainingguide.com

Surviving Family Drama During the Holidays

Emily stood in the rain intently staring at the travel poster outside the travel agency. Stunning sandy beaches, sun streaming onto golden beach goers, calm water just as blue as a sapphire. But the photo told only half the story; the headline told the rest: "Forget the Family Drama & Escape to Barbados for the Holidays!"

Memories of last year's holiday brought a sting of realization that she still wasn't talking to her sister after a big fight. There would be questions and accusations as always - and she would be the bad guy. Again. And with that, Emily was making reservations for Barbados before she even realized what was happening!

In his book, "When Difficult Relatives Happen to Good People: Surviving Your Family and Keeping Your Sanity" (2005) Leonard Felder, a psychologist and author relates that his research shows fully 68 percent of those he interviewed said they found family functions "frustrating or unenjoyable".

It is inevitable that expectations run high during the holidays. We all have a tendency to compare the ideal families we see portrayed in advertising to our own and for many of us, these comparisons sadly fall short.

Your Family of Origin

Awareness is key in learning how your present feelings for the holidays relate to the past - whether you're truly looking forward to time with family, or are dreading it - are influenced by your past.

Your family of origin is that family in which you grew up, typically parents and siblings, but your family or origin would also include extended family such as grandparents if they lived with you. This is the family that had the greatest impact on your formative years and who may be exerting the greatest influence on whom you've become as a spouse and parent.

Why do these family issues seem to loom so large? If you grew up in a healthy family environment, you likely learned the benefits of compromise and negotiation in your own marriage and are in turn, teaching those skills to your own children.

Your challenge is greater if your family of origin experienced serious issues such as mental illness, abuse, alcoholism poverty, infidelity or divorce, however the rewards of taking on this challenge can be immense, particularly to your present family.

Triggers & The Reptilian Brain

It is important to recognize what precipitates your feelings about family holiday events, particularly extreme feelings like dread. "Triggers" can include people, places, words, sounds, smells, and tastes - nearly anything that precipitates a certain feeling or emotion. As you can imagine, the list could be endless when speaking about our family of origin!

These triggers are instinctual and originate in what's known as the reptilian brain, a part of the triune brain responsible for basic fight/flight or freeze reactions. Confronted by even a perceived stressor, an automatic and unconscious reaction occurs: cortisol is released into the system resulting in anxiety, depression - even physical illness.

Social situations, particularly those that are emotion-laden during the holidays are ripe for triggers. Recognizing them provides you with valuable insight. A good way to determine what might trigger emotions for you is to ask yourself, "What pushes my buttons when I get together with my family?"

Keeping in mind that we all act from our own perspective allows you to gain emotional distance from these triggers and their resulting emotions and look at the situation from a more logical viewpoint. What would you tell a friend who was relating her story?

How to Align Your Expectations & Focus on the Possibilities for the Holiday

Consider your family of origin as a mini-culture to which you belong. Now consider the other cultures you belong to: your own present family, your work, your place of worship. It's difficult, if not impossible for everyone to get along at all times, let alone have consensus.

Your control over your family of origin is limited of course, as it is for us all, but you can control how you respond to the challenges that arise.

We all frame our thoughts in a certain way which affect how we respond to a situation:

Some people see an event as a problem; others view it as a learning experience
Some people focus on detail; others focus on the "big picture"
Some people focus on what's happening to them personally and others focus on what's best for the team (or family) and
Some people thrive on conflict while others seek to negotiate conflict

You get the picture; the way others in your family frame their thoughts may be in direct opposition to yours, but recognizing this and appreciating their uniqueness allows for a more serenity during the time you're together.

Self care is especially important during the holidays. Be a role model and establish your own boundaries - then follow through! Self care can take many forms; for instance, if staying with family causes you stress, make hotel reservations for the length of your stay.

Awareness of activities that bring you pleasure is one way to ensure your own self care. Whether you're staying close to home or visiting out of town family, it's important to invest in your own well being. Devoting time to quiet meditation, indulging in a luxurious massage or spa treatment, enjoying nature - even maintaining your exercise routine (modified is OK!) helps keep you healthy during times of stress.

Just as important as self care activities that bring you pleasure, is the avoidance of other activities that may not be in your best interest long-term, like excessive drinking, enjoying food that's less nutritious, and spending excessively, to name but a few activities that look particularly attractive when you're feeling vulnerable or stressed.

Perhaps the most empowering form of self care during the holidays is selecting those with whom you want to spend your time. Develop an awareness of those who support and nurture you; they may not be your "family of origin", but they can be your "family of choice"!

Family of Origin Therapy

If you find that family of origin issues are too overwhelming to handle on your own or they're affecting your present family, your spouse or children, therapy may be the answer. Your therapist can help you examine your family background, its communication style, traditions, and patterns of behavior, thought and emotions and help you gain a new perspective.

Escape to Barbados - indeed escape of any kind - is not always possible, or in your best interest. Resolve to change your approach to the holiday season and lead the way in leaving family drama behind!

Mary Kay Cocharo is a licensed Marriage and Family Therapist in private practice in Santa Monica, California. She has over 20 years experience working with individuals, couples, and families in transition. As a certified Imago Relationship Therapist, Mary Kay works with spouses and parents to deepen communication, resolve conflict, and rediscover the joy of being together. Visit her website at mkcocharo.com mkcocharo.com for more information.

Top 4 Reasons to Adopt a Pet

There are many emotions to sort through when you are deciding to bring a new pet into your family. It is a big commitment that has large responsibilities as well as joy and happiness. A dog or cat will be a part of your family for many years and it is a big decision to make.

One reason to always chose adoption, rather than purchasing an animal elsewhere, is to help decrease the reliance on puppy mills. These factories breed dogs in the cruelest manner and will only be profitable if there is a demand for them. A local shelter is always the best place to find a pet. These animals are socialized, taken care of medically and need a home! The dogs that come from puppy mills are heavily inbred and often have extremely costly medical problems that arise. Animal shelters are improving their services constantly to match you with the perfect companion to fit your life and work schedule.

Choose adoption to bring home a healthy, properly cared for animal. Most local shelters examine, vaccinate, and spay and neuter the animals before they are put up for adoption. Also, the animal's specific personality and certain behaviors are usually observed to help fit your wants and needs in a pet. A common misunderstanding about the animals at a shelter are that there was a problem with them. On the contrary, it is usually a problem with the original owner. Things like financial problems, time constraints or relocation can cause an animal to end up in a shelter.

You will save money by adopting your pet instead of purchasing from a pet store, online or other retail location. You will not have to pay to spay/neuter, vaccinations or the high cost of the animal. There will be a fee, but it is significantly smaller than purchasing an animal from a store.

You will save a life when you chose to adopt an animal from a shelter. No-kill animal shelters are always full because there are always more animals to take in then animals being adopted. Animal shelters have to make the heart-breaking decision to euthanize animals when they aren't adopted after a certain amount of time. Between three and four million dogs and cats are euthanized each year in America.

Please do your part to reduce the number of animals in shelters and in the puppy mill industry by going to the humane society, a breed rescue group or local animal control agency for your next pet. Spread the word and know that after all you do for your pet, they will pay you back ten-fold with their unconditional love and affection!

Why You Can't Trust the Facial Care Market

Let's face it. Most people trust the cosmetics being offered on the facial care market, but the truth is that in most cases this trust is undeserved. As consumers we tend to look for the names that we recognize when shopping, because we have come to feel comfortable with certain companies based on the fact they have been around a long time. Longevity is not a sure sign that a company is selling you quality products.

This is especially true when it comes to the companies that make up the cosmetics industry. These corporations have been criticized over the years by both regulatory agencies and watchdog groups for using ingredients of questionable quality in their products. Many studies have been conducted on the ingredients frequently used to make happinesslifetime.com skin care products, and the results of these studies may come as a surprise.

Most of the cosmetics companies don't use natural ingredients in their products, and instead turn to more cost effective synthetics and chemicals. It has been proven that many of the chemical agents most commonly used in formulas on the facial care market are harmful to your health. These agents can cause ailments ranging from cancer to central nervous system disorders, and they shouldn't be allowed in happinesslifetime.com skin care formulas.

When using cosmetics formulas that contain these agents, what happens is the chemicals make a home for themselves in the soft tissue throughout your body. Over the years the toxins and carcinogens build up until they cause problems with your organs, circulatory system, and respiratory system. You need to learn what these hazardous chemicals are, and then avoid the products that contain them.

The risk of using products on the facial care market that consist mainly of chemicals far outweighs any benefit that you could get from using them. The typical happinesslifetime.com anti aging happinesslifetime.com skin care formula featuring collagen, elastin, and hyaluronic acid will not improve your appearance one bit. This is because your skin is not capable of absorbing these three compounds due to their molecular density.

If you want to maintain your health and achieve your goal of looking younger, then what you need to work with are proteins, enzymes, and plant derived ingredients. These compounds will offer you all of the essential fatty acids, vitamins, and minerals you need in order to revitalize your skin. They will also supply you with an ample supply of antioxidants for reversing the oxidative damage caused by free radicals.

The most effective happinesslifetime.com anti aging happinesslifetime.com skin care products on the facial care market will feature Cynergy TK and Phytessence Wakame, which are an enzyme and protein complex fusion and kelp extract respectively. Cynergy TK causes a surge in the production of your collagen and elastin, while Phytessence Wakame renders neutral the destructive hyaluronidase enzymes responsible for the degradation of your hyaluronic acid.

Make no mistake about it. The beautiful-skin-site.com all natural formulas that contain Cynergy TK and Phytessence Wakame are the highest quality formulas on the facial care market. You will benefit greatly from using these formulas, as they are the only products available that really can reduce your wrinkles.

You can learn more insights by visiting my web site and discovering more natural ingredients I personally use daily.

Laurel is a long time user and passionate advocate of natural skin care products. Visit her site now to discover cutting edge, anti-aging skin care products she recommends after extensive research: beautiful-skin-site.com beautiful-skin-site.com.

Before You Sell Your Home, Know Who to Call

Pop quiz time: when you sell a home by yourself, how many people are involved in the process?

You may have answered two: the seller and the buyer. While these two are probably the most important people involved in the sale of any home, by no means are they the only people to consider. Just because you have decided to go the For Sale by Owner route doesn't mean you get to eliminate the middleman. Selling a home involves more people than you realize.

In fact, there could be as many as twenty people involved in the sale of your home, people you may have to hire in order to complete a legal, smooth transaction. That's right. Were you to sell your home through an agency, some aspects might be covered by the agency with their own people. Otherwise, fees for various services will come out of your own pocket.

Let's take a look at some of the people involved in the sale of your home:

Attorney / Real Estate Specialist - Unless you are a lawyer, you may require the services of an attorney specializing in real estate law to see you through a sound contract. There may be certain regulations applicable to your property and/or region that a layperson may miss in a contract. Make sure you know everything in your contract before you sign it, or have a lawyer assist you.

Real Estate Appraiser - It would be nice to slap an arbitrary value on your property, but in order to sell your home it must first be appraised for approximate. A licensed real estate appraiser helps determine the worth of your property through various factors, including damage and reconstruction, value of nearby homes, and overall condition of the surrounding area. Some real estate agencies may have somebody on staff for this purpose.

Property Inspector - To adhere to various disclosure laws, it is required to know everything about your home before you sell. A licensed property inspector is brought in to make a thorough, unbiased evaluation of your home. Such reports are helpful to the seller as well as the buyer, as a careful inspection may alert the property owner to needed repairs he did not know existed.

greeneasylife.com Mortgage Loan Officer - Say you have a potential buyer for your home. Great! Now you need to know whether or not he can pay. Here, the assistance of a greeneasylife.com mortgage loan officer is needed to confirm the buyer's qualifications and evaluated overall financial health. This way the seller is armed with that knowledge and can determine whether or not to sell.

Environmental Specialist - What is the condition of your neighborhood and surrounding area? Do you live near a plant or factory that may offer living hazards like pollution? An environmental specialist offers services to evaluate the home and surrounding property for potential health risks. Depending on where you live, you may be required by law to report such anomalies.

Tax Advisor - Are you or the buyer required to pay certain taxes attached to the sale of your home? A tax specialist may be needed to evaluate the sale and report any levees that must be paid.

Lead Paint Inspector - Especially if you are selling an older home, you may require aid of a specialist to determine if your home contains lead, whether by current paint or remnants of old coatings.

Radon Gas Expert - Like carbon monoxide, radon gas cannot be seen or smelled, and is very deadly. Radon gas emanates from the breakdown of uranium, and may be a potential hazard if you own an older home. An inspector may need to be called in to check if your home tests positive for radon.

Sanitary Systems Expert - Make certain your pipes and sewage systems are operating correctly. A quick call to a sanitary inspector for a clean bill of health here may be needed.

Occupancy Permit Inspector - Your home may be subject to various occupancy laws, especially if your property is not detached. An occupancy permit inspector can advise you with regards to such regulations.

Zoning Inspector - Is your home only zoned for residential purposes, or may it be sold as commercial property? A zoning inspector can determine the overall usability of your home.

Survey Company - Where exactly are the property lines? Do you own more acreage than you realized. You may need to hire a surveyor to help determine the exact square footage of your property.

Flood Plain Inspector - Do you live in an area susceptible to flooding and hurricane damage? If your property rests near a flood plain, you may need to have an inspector take a look at it to determine if your home is safe from potential hazard.

Termite/Pest Control Company - You may have termites and not know it! Before you consider selling your home, it is strongly recommended to have a pest control expert inspect your home for termites, insects and other risks associated with vermin.

Title Company - Are you legally able to sell the home at all? Is the property under your name, or do you need the permission of a third party like a former spouse or relative to sell? Enlist the assistance of a title company to confirm ownership.

Insurance Consultant - Are you liable for anything beyond the sale of the home? Will a potential buyer be able to insure the home against all natural disasters? You may need to consult with your insurance agency before you consider selling your home to know what is needed from you.

Moving Company - Last but not least, once you do sell your home you have to move all your stuff! Unless you plan to rent a van and do it yourself, you will have to call a moving company to assist you.

When you think about it, there are many people involved in the sale of a home. Though you likely won't see all of them at once, your house can expect to receive lots of company as you prepare to sell, not all of them buyers! This is why it is important to consider all factors before going through with a For Sale by Owner option.

With a real estate professional on your side, however, many of these tasks may be covered by the agency. This is why it is recommended that you consult with an agent even if you plan to sell on your own. Get all the facts before you hang your sign.

blog.thewriteseo.com Kathryn Lively is a freelance writer who writes for American Loss Mitigation, helping homeowners almahelp.com stop foreclosure, and for Exclusive Tenant Rep, exclusivetenantrep.com Virginia business real estate solutions.

Home Based Business Scams - Which Are the Worst?

A great many people in this world would like to quit their jobs and work from home. Some just want to supplement an insufficient income. Whatever the motivation, the Internet offers almost unlimited possibilities. Unfortunately, a great many of the opportunities which promise fast money and easy success are nothing more than scams. Here are a few of the most common and some of the worst.

Paid Surveys

This is one of the fastest growing scams on the Internet. You will find a site that claims big corporations want to pay you just to answer questions about their products. And the best thing, they pay you for your opinion. Please, think about that. Large companies have big marketing departments and reputable advertising agencies working for them. If they need a survey taken, they have professionals to do this.

Part of the enticement of this scheme is the promise that you may take part in focus groups and earn even more money. If large corporations need a focus group their marketing people will arrange for it. They are not going to select random people on the Internet. Focus groups need to be focused. The views sought may be age, sex or geographically specific. They are held in a controlled environments which ensures the data is credible.

The worst thing about these programs is that they tell you joining is FREE or a very nominal amount. You sign up, FREE and within minutes your email is jammed with offers to take a survey. . So you start the survey. And then you find out that to complete the survey, you have to buy the products of two or more of the advertisers. Of course, you only have to look at a FREE sample and pay just the shipping charges, usually less than $5. But, if you read the fine print, you will find out that you actually have signed up for a monthly supply of that product. The cost of the monthly supply will be very high, usually over $50. And remember you have to select at least two FREE samples.

There are dozens and dozens of sites claiming to teach you how to get paid to take on-line surveys and make from $5 to $75 each, or more. They will offer you the chance to get paid to participate in focus groups and make up to $150 an hour. They will tell you you can get paid to take phone surveys and you can earn as much as $120 an hour. Some will tell you that you can get paid to try new products (and keep the free products too). You can even get paid to preview new movie trailers for $4 to $25 an hour.

As far as I can find, absolutely none of them can deliver any kind of opportunity that would allow you to make any serious money at all. Stay away from all the Paid Survey sites with their extravagant and unrealistic promises.

On Line Data Entry Jobs

The really insidious thing about these sites is that if you search for "on-line scams", 9 out of 10 times a splash page opens that is actually a portal to a site trying to sell you their program.

I opened one site recently that was advertised as "Sate Entry Job Site Scams Exposed." You might reasonably expect to get an explanation about the Data Entry scams. You should expect that you would get information on how the scam works. But NO! This site, actually opened, not one, but 3 different splash pages (advertisements) encouraging you to join their opportunity. All three sites made vague claims as to what you would do and whom you would do it for.

According to one of the splash pages there are tens of thousands of companies out sourcing their Data Entry Positions. It sounds so easy and so legitimate. But most of these so-called companies are simply affiliate marketers who in turn will entice you to join their team, which has a wonderful "can't miss" program for making money. By the time you are six levels in, you have bought so many programs, you can't remember where you started, you've spent a lot more money then you expected and you still don't have a job or a business.

All these programs promise training and support which is minimal or non-existent. Don't believe the glorious testimonials. You'll pay anywhere from $49 to $99 to join the opportunity. Perhaps you will pay this at several levels. The probability that you will succeed to even make your money back is less than 5%.

Envelope Stuffing Opportunities

I fell for this scheme years ago when I first got out of college. At that time they were advertised mostly in print media. Often found in the classified ad sections in the back of glossy magazines or tabloids, they appeared to be a quick and easy way to make a reasonable extra income. Now the scheme has moved onto the Internet and it still getting thousands and thousands of people to sign up. It seems an easier opportunity for people who are afraid to commit to an on-line business. The offer of $5 per envelope stuffed is not big, but most people think if you stuff enough, you can have a decent extra income.

How does it work? No, you don't get hundreds of pre-paid envelopes from the company. No you don't get hundreds of names on nicely addressed and stamped envelopes. What you get for the "fee" you paid to join this opportunity is a flimsy brochure. You also get a letter instructing you how to to place small classified ads in newspapers or magazines. More aggressive companies encourage you to place ads on-line. Then you have to buy the envelopes, at your cost.

The ad you place offers a person information if they will send a self addressed stamped envelope to you with $5. You get the response with the $5 and you put the flyer from the company into the envelope and mail it. See, you're getting paid $5 for stuffing envelopes. But the truth is, how many people are going to send you $5 for information they could easily get elsewhere for free. Would you send someone $5 just to get information. I don't think so.

The most unfortunate part is that these schemes continue to operate and offer bigger and bigger rewards. Just today I went on-line and searched for "Envelope Stuffing Jobs." I immediately found three different "opportunities" that promised you could earn $12 an hour, $50 to $75 dollars an hour and even $1,576 a week stuffing envelopes at $5. In several cases the fee to join is now almost $50.

Processing Medical Claims

You've seen the ads on line. You've probably seen an infomercial on TV. It looks wonderful, doesn't it? Such a legitimate occupation. According to the ads and infomercials you can earn from $800 to $1000 a week simply processing medical claims on your home computer for health care professionals. Often these enrollers will invite you to a trade show at a local hotel.

There you will be urged to buy software programs and even computers. You may purchase a software program which might cost you under $70 at a computer store for several thousands of dollars. One popular system only charges a set-up fee of $249 plus a small monthly subscription fee of $89. This allows you access to their applications and other services. These services include lists of doctor's offices that might need your services. But just a few lines later you are advised that local yellow pages, the Internet and medical listings are your best source of business.

It's possible that some small medical offices do not have a medical processing staff or service but that is very rare. A high estimate says that 20% of health care professionals do not have their own computerized systems. Think of your own doctor's office. Ask them who processes their claims. You'll find very few opportunities.

Even if you do get a few clients, you will have to invest in a good computer system, make sure that your work coordinates with the insurance companies who actually process the claims. The service you buy may offer you the option to submit claims electronically through a national clearing house. Of course, there is an additional charge for that but don't worry, you can just charge your client more to make up for the extra cost.

You could start your own medical billing business at home without the "aid" of any of the on-line advertised programs. You would then have to market your product . This is definitely not an easy thing to do. You will have to approach your prospective clients face-to-face. Your financial investment to start up a real business like this is huge. You will have to invest substantial money in marketing and computer costs so you may not make that money back for a long time, if ever.

There is one legitimate way to make money processing medical claims at home. First get a job processing medical claims at a hospital, group practice or clinic. After you've worked for them for a reasonable time, usually 1 -2 years, you can then request that they set you up at home to process the claims. But what does this mean? It means that you are en employee and you are simply telecommuting. And that wasn't really your goal, was it?

Don't let yourself be a victim. Research the companies that are offering your big dream. Think about it and analyze the pros and cons. Don't rush into anything and don't give up your hard earned money unless you are sure the opportunity can deliver on its promises.

Sheila Guilloton is the owner of Prestige Planners, and has done extensive research on the quality of the business opportunities offered to people looking to begin a home based business doing internet marketing.

For more information visit [prestigewealthplanners.com]

Why it is Important to Hire Just One Real Estate Agent to Buy a Home

In our fast paced and frantic real estate market, buying a home takes quick action and strong representation. Some buyers decide to involve several agents in their search for a home, assuming that there is strength in numbers. However, it is the buyer who establishes a working relationship with one Realtor who really has the best chance of finding, negotiating and buying the right home.

You may wonder how one person could do better than two or three? Easy. When a buyer hires an agent and a buyer broker agreement is established, a process begins that is based on better communication and a deeper understanding of exactly what a buyer is looking for. It goes beyond the number of bedrooms, baths and location of a home.

A good agent will help by asking the right questions up front first. Specific needs, desires and lifestyle concerns will be identified, and time will be allotted to carefully determine all the priorities a buyer expects in a home. In short, the buyer gets the full benefits and highest level of customer service by selecting one agent who will work closely with him or her, take the time to identify specific needs and then find the right home.

When you begin working with a real estate agent in the state of California, it is law that before the agent takes you out to view a home that the California Association of Realtors form AD-11 be signed. This form is called "Disclosure Regarding Real Estate Agency Relationships." Be wary if you deal with a real estate agent who has not taken the time to have you fill out this form. You should wonder if other legalities will be overlooked when you are in the middle of negotiations with a property. An agent who overlooks one small detail in a transaction can take the chance of losing the whole deal.

Most reputable agents today use what is known as Exclusive Authorization to Acquire Property-Buyer, Broker Compensation Contract. Often referred to as a buyer-broker agreement. With a buyer-broker agreement, the best interests of the buyer becomes the focus of the agent, who can then devote the time, effort and energy it takes to find the appropriate home.

What the buyer-broker contract does is simply to have an agreement that you, as the buyer, agree to use the agent you are working with to obtain the home you are searching for. The reasoning behind this agreement is that as a real estate professional, the only thing an agent has to sell is their time and expertise in finding and negotiating the purchase of a home. The buyer-broker assures the agent that the time they spend with you will be rewarded with you buying your home through them.

Think about this: would you really want to work with an agent who doesn't have enough self respect to make sure their time is spent productively? Do you want to work with an agent who will take any "live body" they can get, just hoping that they might get business in the long run? I don't think so.

Getting early loan approval, not just an estimate or prequalification figure for a loan, is one of the first and most important steps an agent will suggest and guide a buyer through. Multiple offers are being made on almost every house out there these days, and timing has never been more important. Buyers must do everything they can to prepare for quick action when the right home comes along. A good agent today won't even take you out to see property until you have the loan approval in hand.

Coming out ahead of the pack today requires the loyalty and support of one agent on your side. Forming an allegiance with one highly qualified, dedicated agent give buyers a boost and a huge advantage when several other offers are being put on the same table.

San Diego's housing market is booming. Interest rates are down. This is no time to be putting buyer needs in the hands of an "agent lottery" Now, more than ever buyers need the best representation possible and nothing beats one good agent flexing a little know how and commitment.

Patti Phillips is a Realtor in Southern California. She works with numerous home-buyers to help them find their "dream home"- usually becoming their "realtor for life." You may contact Patti at her web-site: PattiPhillipsRealEstate.com PattiPhillipsRealEstate.com or at 800-680-9133

Why Using a Mortgage Broker Can Save You These 7 Loan Application Mistakes

1. There are too many credit enquiry notations on your credit file.

Mortgage Lenders do not like doing work for nothing, and I guess it is only natural that borrowers want to ensure they get the best deal. The problem hits the fan when you rack up too many hits on your credit file, and alarm bells start ringing at all lenders, as they all have access to the same credit files. The result can be you get your application declined from all lenders!

Loan Application Tip: Don't sign [or give verbal approval] to any lender to access your credit file, till you have decided which lender you will be applying with. Get your Mortgage Broker to apply for the greeneasylife.com best loan you are eligible for after he or she has properly qualified your needs.

2. Your home loan submission is poorly written.

Any innocent or deliberate errors or omissions in answering questions about your credit history and your partners, can be viewed as suspicious or even fraudulent by the lender or mortgage Insurer. Most people don't know that what you don't say [omissions], can at law be taken as a misrepresentation of the facts.

Loan Application Tip: Have your Mortgage Broker get your credit report for all parties to the loan before you submit your loan application. Ensure that your Mortgage Broker writes a synopsis to cover your mortgage application, explaining why the loan should proceed and ironing out any wrinkles there may be.

This extra work on the part of your Mortgage Broker can get your loan application over the line, especially where your broker is a trusted party in the home loan process with a lenders back office team.

3. Your proposed home is appraised as less than the purchase price agreed.

When a property value is appraised by the lender's valuers as less than the purchase price, you have a problem.

Because banks only lend on Loan to Value Ratios. For instance let us say that your $400,000 home is valued at $360,000. 10% deposit is 40,000 and costs are say $8,000. Yes, you have the $48,000 required. But the bank will only lend on 90% of $360,000 [the appraised value, or $330,000. With your $40,000 deposit that makes a total of $370,000 and you are $30,000 short.

Loan Application Tip: A Mortgage Broker will give you the options you need to try to resolve this, including re-negotiating the price down with the sellers agent, getting the lenders to have the valuers re-appraise, or asking the lender to appoint a new valuer [at your cost].

Another solution may be to get a new lender who has a valuer that may be more appreciative of the value of your proposed home. Finally, you may have to find another home that values better.

4. Your Lender says you have insufficient savings, deposit or income.

Down payments and income requirements and payment capacity can vary between lenders.Also, the deposit is not all the money you need to complete a home settlement. You will have conveyance lawyer costs, property tax and other costs that might include mortgage insurance, property and mortgage stamp duty.

Loan Application Tip: Ensure that you have the funds for your costs, in addition to your down payment. Your mortgage Broker can help you with all of this.

AND/OR, find a mortgage lender who has less home loan deposit requirements, or who pays your mortgage insurance for you, OR find a lender that requires no mortgage insurance as they carry that themselves.

5. You have changed jobs, or employment status recently.

Many residential mortgage lenders, [or their mortgage insurers] view changing jobs in high unemployment times as a sign of instability that may lead to you defaulting on the loan.

The other problem is that if you are on probation for 3 to 6 months, your income cannot be assessed as proof of income till the probation period has lapsed.

Loan Application Tip: Your Mortgage Broker may find a lender who calculates your repayment ability in a more favourable way, or a lender that will take a letter from your employer that your job is secure beyond probation, and then get that letter from your employer.

If that is not possible your Mortgage Broker will find a sub-prime or low doc lender to approve your loan for you.

6. You have no savings history or irregular savings patterns.

Banks like to see stable incomes and regular savings for at least 6 months prior to the loan application. This shows you can plan for buying a home. They want to see predictable inputs and outputs, as this has proven to be valuable in having less repayment pain down the line.

That can be good for the borrower and the lender.

Many banks do not like 'unsaved deposits' or irregular savings from windfalls and the like. If you are self employed or have seasonal ups and downs, that can be a problem.

Loan Application Tip: Your Mortgage Broker will source your loan from lenders that allow unsaved deposits, gift deposits and parent help with collateral, and parent joint ownership options, including shared equity mortgage options.

Or your broker may use lenders that specialise in small business owners and the self employed if that is your situation.

6 a. You or your partner have a bad credit rating or history.

Bad credit is often result of breaks in income streams, because of the reasons listed in point 6 above. After all the bills don't stop just because your income does. It might be a good idea to run a credit check to find out your credit rating and credit score before you apply for a home loan, not be told by the lender that your loan application has been declined due to a poor credit score. Many Mortgage Brokers are set up to give this service, or you can apply for a credit report from the major credit reporting agencies

Loan Application Tip: If you or your partner have a poor credit history your Mortgage Broker will have already performed a credit check, and may use a nonconforming lender, that lends to borrowers with past credit issues, usually at a higher interest rate, at least for the first one to three years. Some non conforming loans are good deals!

7. The home of your dreams is undesirable in the eyes of the Mortgage Lender.

We have talked about a poor appraisal coming back, and the home being under valuation. But lenders may also have policies on the type of property they require to be pledged as mortgage security. Problems can occur with unacceptable postcodes, residential property deemed rural, rural property over 5 acres, 10 acres or 25 acres.

Loan Application Tip: Residential greeneasylife.com mortgage loans cannot be used for working farms for instance. The smaller acreages would not be viable as a working farm, and therefore may be considered as "residential rural".

Also 'dual key apartments', and "ultra low area" housing units may also be unacceptable to your lender. The central policy theme in rejecting these types of security is that the property resale may take longer than the specified time to resale [usually 3 months], should the lender need to exercise a mortgagee in possession sale.

In these cases your Mortgage Broker will assist you to find niche lenders that are comfortable with these types of security, or you may need to find a property that is more in demand that the type you have selected.

Summary

Mortgage Brokerage is normally a fee free service to the borrower. So using a Mortgage Broker to help you get your home loan approved quicker and easier makes sense. Mortgage Brokers can also save you from making these eight common loan application mistakes when applying for a greeneasylife.com mortgage loan. Whilst having your loan application declined may be overcome, and you can get a great home loan without using a Mortgage Broker, why deal with the stress and bother when a Mortgage Professional can take care of everything for you and do things right in the first instance?

Rick Adlam originally posted this article on his blog at home-loans.net.au home-loans.net.au Rick has been a mortgage broker and introducer since 1996 at Mr Mortgage, and today specializes in helping his clients with low interest rate mortgage loans with no ongoing fees and charges. He also helps small business owners and the self employed get home loans with no financials required. So for your best home loan solution visit mrmortgage.com.au Mr Mortgage home loan finance

Allergies and Asthma - How Indoor Air Quality Can Affect Your Child in School

It is very interesting how some children can be doing very well in school, all A's and then they change schools. This is a common story we hear from parents about their children with Asthma and Allergies. It seems that the Indoor Air Quality is definitely affecting their performance at school. When a child is doing good and then all of a sudden their grades are dropping, what caused this is the question.

One Mom was concerned and asked us to check the school. When you walk into the child's classroom, you could smell mold immediately. Usually, a person that is in an area that has mold will not smell it because you become masked over to the odor in a short period of time. In other words, you can not smell it anymore. The child was an "A" student till he went to this school and then the problems started. The child reported that he was having concentration problems and his Asthma Attacks started on a regular basis.

This child was one of the fortunate one's and had a teacher who cared about him. After we inspected the classroom, the teacher informed the Principle and they got right on the problem. The mold was in the children's bathroom. It was remediated by a licensed Microbial Contractor who was certified by the Indoor Air Quality Association. The Microbial Remediation was done over a weekend with no disruption of the class.

According to the EPA, Indoor Air Quality can affect a child's ability to learn and increase absence from school. In studies done by the EPA, it was learned that poor Indoor Air Quality may directly reduce a child's ability to perform specific mental tasks requiring concentration, calculation, or memory. This information only reinforces the effect of mold on children with Allergies and Asthma, and their ability to concentrate in a classroom with mold nearby.

The U.S. Environmental Protection Agency has published a guide which addresses indoor air quality in schools. By applying no-cost or low-cost approaches outlined in the IAQ Tools for Schools (IAQ TfS) Action Kit, schools can find cost-effective means to make the school environment more conducive to improved health and performance of teachers and students.

In conclusion, children with Allergies and Asthma can be affected by poor Indoor Air Quality. Their grades may change because of poor concentration. Mold has been shown to affect individuals with Asthma and Allergies due to their Compromised Immune Systems. As a parent, you must be proactive to protect your child from poor Indoor Air Quality in their classroom settings.

If you have any questions, feel free to visit our website or call us..

To learn more about your home, visit our website at safe-homes.com safe-homes.com or air-testing.com air-testing.com

Mr. Art Emiss is available as a professional speaker to help educate your community or group function on Asthma, Allergies, Mold, Indoor Air Quality and the Chemically Injured. Visit our website and sign up for our Free Air Conditioning Filter Change Reminder Service.

The Right Work at Home Position Means Money in the Bank

There are many agencies and companies who offer work at home positions. Newspapers, magazines and job portal's list these offerings regularly. Regular home job include data conversion, Data processing and entry, Advertisement placing, Medical transcription, Content Editing, Bulk SMS, Conducting Survey's and web based jobs.

A work at home position as a career needs to be thought out carefully. It should suit ones needs, match the skill and has desires that interests the individual. The amount of time that can be spent needs to be considered before accepting an assignment. It is very important that one is comfortable with the job assignment to be successful in the home job. Gratification in securing a self-employed status is one of the lead factors for the popularity of Work at home option.

Once all of the above considered, one could look up jobs that require the individual's current skill-sets or look out for a home business that is enjoyable. There are lots of companies who provide induction programs with specific training and guidance to freshers and first-timers.

Companies following the distributed work model entail the use of material and telecom equipment to conduct business thus eliminating the need for work-related travel, or commuting to office.

Work at home position assignments need not necessarily be data entry or form filling work. The job could also include handling telephone calls either to cater to support or sale of a product, for those companies engaging in the distributed work model scenario.

A work at home parent is an entrepreneur who works from home and integrates parenting into his or her business activities. The reasons could be to minimize business expenses, personal health constraints, elimination of commuting or travel, or even as a second job for an additional income. Integration of the job assignment and parenting would require allocation of the use of time, space and multitasking errands.

The benefits are endless. Finding the right work at home position can mean providing a high quality of life and living for your family and still being there for them when needed. If you are ready for this, then take the next step and make your dreams come true.

Want the secrets? You want the tricks that internet gurus don't WANT you to know? Get the Internet Cash Machine FOR FREE! These are the secret tactics I use to stuff cash into my pocket daily... on AUTO-PILOT! Get your freeinternetmoneymachine.com Internet Money Machine FREE. If you get it now, you will also be eligible to receive my new update with hot NEW ways to create online income in 2010 when it releases!

Robert Crawley, the author, has been a successful internet marketer for over 5 years and has run multiple businesses from home.

What You Should Know When Buying a Home Water Purifier

The best home water purifier on the market is a multi-stage system that removes most of the common contaminants that you might be faced with.

To be sure about which home purifier water system to buy, you may want to have testing conducted, but it really depends on where you live.

If you live in the United States, your public treatment facility is required to provide an annual report concerning quality and the presence of some contaminants.

They are also required to notify you in case there is E coli contamination or some problem occurs during the year, before the report is due.

You should be aware though that the levels of contaminants that have been deemed "safe" are not safe for everyone and some contaminants are unsafe at any levels. So, you definitely need a home water purifier.

Treatment facilities are not required to test for levels of prescription drugs, nor for what types of drugs are in the samples that they take, even though prescription and over the counter medications have been found at many different facilities, during the course of a research investigation.

Those substances are not controlled. But, the best home purifier water system will remove them.

Facilities are only required to test for 90 different substances in order to pass Environmental Protection Agency Standards.

There are some 2000 different VOCs and other chemical contaminants in groundwater. The EPA is considering the addition of another 600.

They are asking for input from the public. My input is this.

Advise the Americans that they need a home water purifier.

The best multi-stage home purifier water system is reasonably priced and will remove everything except E coli bacteria.

If E-coli contamination occurs as the result of a flood or similar situation, filter first and then boil.

That's the only solution.

If you can't boil, then you can use household chlorine bleach, according to the Center for Disease Control, but for emergency situations, you might want to either store some from your home water purifier or keep a case of bottled water around.

If you are not serviced by a public treatment facility, then testing is necessary.

Even if you have a protected well, there is no way to determine contaminants by simply "looking" at the water.

You might need a specialized home purifier water system, like reverse osmosis, if your source is heavily contaminated.

You might also need a system for disinfection.

But, you will still need a kitchen counter home water purifier to remove things left by RO and to remove byproducts of disinfection.

Price is not always a good indication of quality in a home purifier water system.

I have found, by reviewing product performance data, that some of the most expensive systems are not completely effective.

By the same token, some of the least expensive systems cost more to use and only remove a little chlorine and odor.

Shop carefully and your home water purifier can service your family's needs for many years to come.

Julie Perry graduated with a Diploma in Applied Science and is a fully qualified Naturopath. On her web site healthysafewater.com healthysafewater.com, you will find out a practical and simple way to always have clean water at home and benefit from always using an effective healthysafewater.com home water purifier

Long Term Care Insurance in Washington

According to the recent study conducted by the Genworth Financial's 2009 Cost of Care, Washington ranks third among other states with the highest expenditures for home health aide services.

To allow people to protect property and to guarantee a dignified life in the future, Washington hopes that the adoption of the Partnership program, following the lead of other states, is the key solution to the rising impediments of LTC within the state. The implementation of LTC partnership in this state is presently being studied by its legislators and when once approved, the program will be a collaboration of private insurance companies and state agencies, namely the Washington State Department of Social and Health Services and the Office of the Insurance Commissioner.

This Partnership program in WA grants individuals to protect assets from being used as they pay for their long term needs. People who buy an LTC policy from insurance providers that are participants in the partnership are able to protect their assets beyond the limit that Medicaid normally allows. Amount of funds that are not counted for Medicaid eligibility is the same insurance benefits covered by the policy of partnership.

In WA, LTC partnership policies must automatically cover inflation protection specifically for individuals through 79 years of age. This is mandated by the Washington State Office of the Insurance Commissioner. Also, protection against inflation is optional for policies issued to persons aged 80. Not only this, policies must be guaranteed renewable within a period of six months and must provide coverage for nursing home and other care plan and an optional coverage benefit for home and community-based care.

Moreover, insurance companies must offer case management services and provide policyholders a notice about the LTC consumer education program. This consumer education program is established by Partnership insurance companies and state agencies to provide information on the availability LTCi and eligibility guidelines to avail asset protection.

In addition, Washington State has different regulations than other states. Generally speaking WA has strong consumer protection. In WA, LTCi premiums rates must be filed and approved by the Washington State Office of the Insurance Commissioner. Premium rates cannot be increased on a policy by policy basis. They can only be increased if justified and are raised for all policy holders within a "class."

Visit our site to know more of completelongtermcare.com/states/washington Washington long term care insurance. Know about its types of long term care policies and completelongtermcare.com/states long term care costs.

Bug Free Home!

Home sweet home

Always imagined and liked to live in a clean and tidy home? Yes, congrats on your efforts for bringing life and charm to your home. Now, you could still have ignored or may have overseen pest control activities as not significant in your home. Yes, this is the welcoming thought of little parasites like cockroaches and bedbugs and other insects in your kitchen or your bedrooms!

As scientists have postulated recently, that first came the chicken and then came the egg, the most important reasons of what attract the cockroaches into your kitchen are the leftover food particles, here and there on the tables or wash area. Ensure that you mop the kitchen clean before and after cooking to avoid unwanted disturbances caused by the insects. Also when you are building your home, sweet new home, do remember to take a friendly advice from a pest control agency, which could assist you to get rid of the intrusion of these little dangerous creatures.

Nevertheless, the ambience of your kitchen may be inviting your friends if you had spent a lot of efforts on planning arranging your new kitchen. But at the same time, remember, they are also eye catchers for the insects and pests, commonly the roaches, rats and bedbugs if no proper cleaning was done after the usage of kitchen. Inform your maids, whom you have hired to help you, to understand what you expect from them and then plan which of you can do what duties when it comes to cooking and washing. You may take the help of your maid to use a vacuum cleaner on the carpet and floor after she had coked for the day. You can still rinse the kitchen area clean by using bleaching gels and antifungal perfumes under the stoves and ovens.

If you had cooked pizza or any fried foods like French fries or veggie cracker or made cookies for your children or their friends, then surely take much attention to wipe the grill in the oven clean, for there is surely some chance for the food to spill over while cooking or serving from the oven. Use a dry wipe after cleaning the oven with a wet wipe and allow it to dry while allowing it to be kept open for a while, until it dries out completely. Bedbugs are other set of parasites that feed on you, when you are asleep. Make sure you are away from them. To get rid of them, just try to clean your bedrooms as much as possible and call for a emergency help from pest control agency, if uncontrollable.

Rodents are commonly a menace in tropical climatic regions of the world. They fall for a small piece of a cracker in the rat traps and can be easily eradicated. While insects are considered big threats in homes, it becomes difficult to bring up babies and toddlers, in a house that ignores pest control. Inspect your home once in a month. Inform all the relatives and family members of your home that a pest control activity is scheduled during an weekend and take them to a relatives home where they could even spend quality time with them and at the same time away from potential hazards of pest control chemicals substances.

Medical Tablets have been devised in pest control shops that help to kill and keep cockroaches under control. These insects are nocturnal and mostly visit at the kitchen shelves and start feeding on them, in the absence of light. So every night, leave a few tablets in the kitchen and shelves and ensure that your children are asleep before doing this task. The next day, first thing you should be cautious is to remove these tablets and the dead cockroaches, which if remain unattended, may lead to food poisoning and other harmful side effects. So, once you had cleaned the kitchen and dining place safely, ensure that you start your routine other activities.

Play safe with pest control activities and take care of your sweet home from these parasites.

With Regards,

Keerthi P

Tips on Selecting a Private Tutor

Selecting a private tutor for your kid is not an easy task, because you need to choose the right tutor for him/ her. Listed below are several pointers you ought to follow, or otherwise take into account, when searching for a private tutor.

One thing you need to know is the fact that a good tutor isn't the one which possesses good academic qualifications, with many years of teaching experience, or is strongly recommended by an agency. We will not claim that all these factors aren't important. However, a great private tutor is actually the one which meets completely your kid's academic requirements. An ideal home tutor is one that your kid can feel confident with, which encourages your kid's to commit for study.

A good quality home tutor is one that is able to help to make your kid comprehend and learn the topic he/she has trouble with; one that has the capacity to uncover your kid's lacks on a particular topic; one that can easily encourage the kid to commit in the study; one that is able to inspire your kid to study hard; plus, most importantly, one that will be able to place themselves as one example of responsibility and morality.

Each one of these capabilities makes the person to be considered an ideal home tutor. However, they are certainly not enough to be a trusted person. Hence, we think that an individual's personality makes him or her a trusted and reliable private tutor. In order to pick an ideal tutor, you ought to try to find these kinds of characteristics in an applicant:

1. Responsibility

2. Morality

3. Dedication

4. Patience.

5. Punctuality

So, how we establish whether or not a particular applicant possesses the accreditation needed and also the capabilities you are searching for. You can look into the candidate's track record. You may well ask to view his or her academic certification or letters of reference from past jobs.

This can take care of the educational part. The trustworthiness part can be proven over time. You've 2 choices for judging whether or not your home tutor is really a trustworthy one. To start with, you need to be observant and monitor the tutoring lessons. Alternatively, you can simply get your kid's thoughts and opinions. Strongly encourage your kid to communicate and convey all his/ her needs and want towards the private tutor.

In summary, the ultimate way to select a good quality home tutor is always to conduct some research, and also to get involved with the choosing process. Do not be scared to reject or even terminate any private tutor that does not satisfy your anticipations.

Besides getting a good tutor for your kid, you should also get your kid to practice more on past years exampaper.org exam paper to improve their academic results. Visit: exampaper.org Test paper.

Data Entry Services - A Variety of Home Businesses in One

Data entry services are many jobs rolled into one, just as there are many businesses that need such services . Typically the business using people for wntering data are small to medium sized organizations that do not have enough work to keep them busy for a full time job. Hiring part time people is another alternative, but there are those who don't care to come to work sporadically, never knowing when the next pay check will arrive. What are some of the businesses that uses such services?

Database maintenance

Database management can incorporate many different types of data entry services. Sometimes employee data in the database needs to be modified. The birth of a new baby added to an insurance form, the change in withholding tax status, even a new mailing address are all part of keeping the specific database up to date. Many of these tasks are automated, particularly if they are coming from an online source, but many of these items are accomplished by a handwritten form submitted at some point to the appropriate people in the business.

Editing copy

Another type of data entry services is editing and correcting copy. While grammar and spell checkers are helpful in many instances, they will not pick up errors such as homonyms and they will often not work well in lengthy sentences with complicated phrasing. Only a human being with a good grasp of spelling and grammar can do that. Sometimes editing copy is a simple matter of checking for accuracy. Software programs exist that will compare two document segments and look for accuracy in the data entered. A work at home editor can make good use of such software. Any place where absolute accuracy is critical can make use of human power to verify and correct information where necessary.

Legal records

Court records of many types exist that can make use of data entry services to be completed. Title transfers, property descriptions, real estate sales data and legal researchers are just a few of the items that come to mind. This information is commonly used by real estate brokers and agents when preparing to sell a listing under their agency. Title companies also use legal descriptions. Preparation of directories of individuals and businesses is another area that uses accurate records prepared by individuals.

Medical Insurance records

Some services provide specialized categories for the data entered. An example is the completion of insurance billing information. The forms often are prepared by a doctor or nurse in the medical office and may be just a check mark in an appropriate box. This needs to be entered into the correct record database in order for the medical personnel to be reimbursed correctly. Accuracy is of prime importance for this type of data entered as the costs of the insurance payout can very significantly by changing one bit of information. Tracking the dispensing of medications in a clinic or pharmacy is another place with data entry skills is critical.

Why fear the world of data entry when it has so much to offer. It has employed thousands of people worldwide. Look at goodinternetmoney.com/How_To_Find_Legitimate_Online_Data_Entry_Jobs.php Data Entry Services or goodinternetmoney.com/Make-Money-With-Data-Entry.php Data Entry Jobs to discover its potential.

Older Town Homes in Georgetown, Texas - Not Just For The Elderly?

Georgetown has a number of fantastic old town houses available on the market today. These old homes really are fantastic and offer people not only the chance to own a gorgeous old town home, but also all the benefits of living in one of the state's most prosperous cities. Many of the old downtown districts have recently been restored to their former glory, indeed Georgetown now boasts one of the best preserved Victorian and Pre WW1 historic districts. At the heart of this area is the stunning Williamson County Courthouse which is one of the finest examples of Beaux-Arts architecture and is both a local, and national site of interest attracting people from all surrounding areas to view it.

The city's educational needs are serviced by the Georgetown Independent School District (ISD), which strives to empower students and helps them to become life-long learners and leaders by providing a superior quality of education and schooling.

The schools and teachers of the ISD have been acknowledged as some of the best not only in Texas, but also in the nation as a whole.

Georgetown encourages parents to take an active role in their children's education and benefits from excellent community support for schools, both of which are the basis for a quality education. The area has a number of very highly regarded schools, indeed a recent visit by the Texas Education Agency led to ISD schools being commended for teacher excellence, above average student test scores, and the good behavior of students.

All this investment in education means that Georgetown youngsters grow into considerate and thoughtful adults who care about their community, and the people who reside within that community. Georgetown offers an abundance of friendly neighbors, who always have a smile on their face and a kind word to offer you. You can also be sure that should you need any help, all you need do is ask and the generous community will be more than happy to lend a hand.

On top of that Georgetown offers some of the most staggering countryside in the whole country. The area is surrounded by glorious green hills, just waiting to be explored. The city is also able to offer a wide range of state of the art facilities, such as a number of noted equestrian centers and museums.

Browse all wilsontx.com old town homes in Georgetown Texas and search thousands of homes for sale online at wilsontx.com wilsontx.com.

Staying Cool With Your Rooftop Garden

Hundreds of years ago, simple huts were made with grasses and plants built into the thatched roofs, which grew to keep the house insulated and guarded from outside forces. At the present time, this antiquated idea of a roof garden has changed into the modern practice of installing and growing numerous kinds of plant life in many different forms on top of homes, cottages, sheds and other adjoining buildings. From elaborate, decorative gardens to simple, practical mats, these new structures (and the know-how that makes them possible) are spreading rapidly across the country.

Roof gardens that are more lavish can be soothing getaways that offer solitude to homeowners who want to install a private garden entirely under their care. These functional varieties of roof garden, harboring mostly grasses and herbs, act as an extra layer of protection, keeping your residence warm during the winter and cool during the summer. Rainwater that falls on these roofs is collected and used within the garden. By the quantity of sunlight and weather damage that the garden takes, you can double your roof's lifespan by adding a roof garden.

The Environmental Protection Agency (EPA) has been encouraging urban areas to develop roof gardens for years, citing the numerous environmental benefits to keeping growing roofs wherever feasible. In seriously urbanized areas, roof gardens cleanse the surrounding atmosphere of harmful air contaminants, not to mention switching carbon dioxide for oxygen.

Roof gardens can have many different levels of maintenance, depending on how complicated they are and how much space they cover. In rural areas, side roofs, such as sheds, greenhouses and garages, are often the best places for roof gardens because they are predisposed to be flatter and easier to install on than main roofs. For simpler roof gardens, you can acquire installation packages that will set up the roof garden on either flat or sloping surfaces.

When building rooftop gardens that are more complex, one includes many types of plants, bushes, and flowers, homeowners should be sure the roof can hold the extra weight and has been waterproofed with a film that includes the right, ecologically healthy soil substitute. A well-designed intensive roof garden will create a mini-ecological environment including a wide assortment of native plants that can encourage wildlife and help sustain each other in a continuing cycle.

Although roof gardens can provide copious benefits, many people are unsure how to construct one. Unless homeowners purchase an assembly kit, they may be lost when it comes to choosing the right roof foliage for their needs and climate. Those wanting only a simple green roof should think about grasses, sedum and mosses, which are adequate and take very little trouble to grow. For gardens that are more intricate, choose native plants, well-established specimens that will be able to survive your area's weather conditions on rooftops. You can add more seeds or plants as needed. Homeowners should take advantage of current roof projects and began planning a roof garden today!

If you are looking for a new home, check out the searchtrophyclubhomes.com Trophy Club homes for sale or searchthecolonyhomes.com The Colony, TX real estate listings. The selection is wonderful and there are homes for every budget.

April Walters writes articles on the ins and outs of real estate and home ownership for her clients.

Registered Nursing Jobs - Traditional and Non-Traditional Settings

By the year 2020, it is predicted that the United States will need 800,000 nurses in their health care industry. Registered nursing jobs involve those who work in traditional hospital settings, as well as non-traditional locations such as in home, laboratory, or school. This wide array of options and specializations for those interested to pursue a career in nursing has made the field of nursing really a promising path.

Clinical Nurse

As the term entails, clinical nurses are those that are registered who work in definite clinic settings. However, dubbed also as nurse practitioners, clinical nurses may also work in different types of clinic with various specializations. Thus, clinical nurse, though works in clinic, can be very flexible.

Clinical Nurse Subcategory

Given the huge amount of clinical nurse working in hospitals and clinics, most of nurse practitioners can be classified into different subcategories:

Clinical nurse specialist - These are the nurses who attained and completed qualifications for specific specialization. They can specialize to various fields in health care for instance midwifery, or psychiatric and/or mental health, or geriatrics, as well as pediatrics, and other health disciplines. Because of the specific fields of their specialty, they obtain titles such as mental nurse, or maternity nurse, and even theater nurse.

Staff nurse - These are the nurses who are responsible for general administrative duties in hospitals and clinics. They have no specific specialization.

Clinical nurse assigned to specific hospital sections - aside from the clinical nurse specialist and the staff nurse, a clinical nurse may also be appointed and concentrate to specific hospital sections or departments such as the surgical section, emergency room, or accidents section

Because of these diverse opportunities for nurse jobs in many of hospitals along with clinics in the United States, jobs for clinical nurse are highly in demand today.

Hierarchy of Clinical Nurses

Aside from different types of clinical nurses, there are also levels and ladder in this type of medical and health job. There are clinical nurses in general but there are also clinical support nurses, and clinical nurse specialists who specialize in specific field or area. Clinical nurses can also climb up the ladder through being a nurse advisor, clinical lead nurse, or a clinical nurse manager. Consequently, there are still other types of jobs in the nursing field.

Responsibilities of Clinical Nurse

A clinical nurse has many responsibilities depending on their specialization and area of expertise. Sometimes, the size of organization contributes to the variation of responsibilities. Accordingly, a bigger organization provides more responsibilities and duties to clinical nurse because it has more hospital sections and areas to work for, than a smaller organization. Responsibilities of a clinical nurse involve clinical practice, that is, providing optimal care to patients. However, under the practice providing care to patients, the responsibilities of a clinical nurse still constitutes many things and may divert from the general clinical practice, such as conducting research, handling consultation and management duties, and many others.

Home Health Registered Nurses

Aside from the traditional clinical setting where most nurses work, home health care has proven to be a lucrative sector for the nursing profession. Registered nurses, who chose to deliver health care services at home where most patients get and feel better because of homey ambiance and setting, provide various services like geriatric nursing, community health nursing, and visiting nurse jobs. Other nursing home health care jobs are:

Newborn Visiting Nurses - They are the nurses who phone new mothers and offer their service at home. They monitor the newborn child's conditions, gives assessment, as well as medications to the mother and her child.

Visiting Chronic Care Nurses - They offer service at home for those who need specific hours of care at specific days per week. They are the nurses who attend patients after surgery, change feeding tubes, and assess medical needs from time to time.

Early intervention nurse - They offer service to families who have young children needing medical intervention.

Occupational Health Registered Nurses

As a growing field, occupational health registered nurses have also different responsibilities. They are tasked to do initial assessments and physical examinations, assess the medical needs of the patient, and offer medical information to specific company or institution.

Public Health Registered Nurses

Unlike other nurses who are only involved in nursing and taking care of patients, public health registered nurses are engaged in policy-making affecting societies. They provide patient care in clinical settings but at the same time, they participate in community health nursing. More often, they give advices, information, and assistance to families in different communities regarding their health, nutrition, and family planning.

They can also work in conjunction with the Department of Health where they can propose policies and insights on how to control infectious disease and implement policy measures in hospitals and clinics.

School Nurses

School nurses are nurses who work on schools, universities, and colleges, where they provide students their medical needs. They may be assigned permanently in just one school, but others can be assigned from one school to another. Most of schools today have built exclusive clinics for students to have the most important health care they need. School nurses are responsible for assessing the medical needs of students, giving emergency care, advising the students about nutrition, preventive care, and first aid procedures.

Hospice Registered Nurses

Just like the clinical nurse who can work at night shift, day shift, or overtime, hospices also offer 24-hour, day and night service to patients at the setting of their own home. Hoping and believing the patients improves at home settings, a registered hospice nurse can also build personal rapport with the patients which might help them get better. Usually work under the direction of a doctor, a hospice nurse can also work independent in handling patients.

Because of many options and opportunities in the field of nursing, it has become a very profitable job nowadays. Demand for new nurses is still high and increasing in the United States, resulting to more and more students shifting into happinesslifetime.com nursing courses. Another good thing is that, underneath the general broad field of nursing, students can choose specific field or area they are most concerned with depending on their skills, knowledge, and capability.

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