Saturday, April 20, 2013

Tackling a New Job

You've made it! You've been accepted and landed the job and now you're looking forward to starting on your new career. Great news all round! But after the back slapping, hand shaking and congratulations, you are left with a churning stomach and buckling knees. How will you fare in this new job? Will you like it? What will your new colleagues make of you? Will you make a fool of yourself, look ridiculous, please everybody, and feel at home?

A thousand and one self-doubts, concerns and anxieties may afflict you, but if you look back through your life's history you will realize this isn't the first time. Remember your very first day at school? A new school where you knew nobody, had no friends, were landing in a strange and alien place full of strangers. Yet you survived!

If you could do this at age 3, 5, 12, 16, and countless other times throughout your life, you can do it again! There are many ways of coping and making this uncertain and stressful time all that much easier on yourself.

New jobs bring with them new challenges and trials, but also new experiences, new opportunities and new contacts. The excitement of approaching day one is enough to make you full of anticipation and hope for a better future. The best way to tackle your first day on the job, however, starts the day before. Prepare what you'll be wearing on the day and then just relax and have a good night's sleep which will help you accumulate enough energy to face all the novelties ahead.

Wake up early enough to breakfast well because chances are you won't have much time to dedicate to a lunch on day one. Make it a point to arrive on time, just a bit earlier than you're expected, if possible. First impressions count enormously and apart from avoiding a flustered arrival in front of your new boss, you will be making a positive impact from the onset.

Chances are you will be assigned to a fellow staff member or a superior who will be ferrying you around the new premises. You will be introduced to new people, shown machines or apparatus and taken to different departments. Introduce yourself with charm and remember to ask people's names and related responsibilities. Don't try to force yourself to remember everything immediately. You will be forgetting names, faces and places rapidly with the amount of information overload you are receiving. If it makes you feel safer, you might be tempted to take a notebook along and jot down names of important people you'll be working with. Better yet, ask if a staff list is available. They usually are complete with internal phone numbers and related departments. Keep it at hand and refer to it until you get used to everybody - which might take anything from a few days to some months, especially if there are people with whom you won't be dealing with on a regular basis. Remember that aside from identifying other members of staff, you will need to help others remember you. Each time you lift the phone to call another person in a new department, introduce yourself and the department you're working in and don't forget, if you are not calling on a direct number remember to ask whoever has answered your call for their name.

Once you are shown your post - whether it is behind a desk, on a production line or on a shop floor; take stock of your surroundings, make mental note of where the bathroom is, where the kitchen is, where the nearest phone is, where the nearest chair is. They might all come in handy during the days ahead.

Listen carefully to what people are telling you, observe what you are being shown and ask questions. Don't be afraid to ask them now - you are a new member of staff and are expected to ask questions. It's better to ask a question initially than to eventually and embarrassingly realize that you're stuck the minute you're left to your own devices.

Don't be afraid of making mistakes. It's only human and unless you claimed to be an expert at what you are doing, it is acceptable to err initially. Remember to be honest about any doubts you are having or difficulties you may be finding in tackling the work you have been assigned. Not everybody can be modest enough to show ignorance, but it is better than eating humble pie as a consequence to some mess you've created.

First-timers on the job are usually expected to phone the wrong people, get paper stuck in photocopiers or printers, so you're not to panic. Don't mess around with machines you don't understand, however, as this could turn into a costly nightmare for your new boss and not likely to put you in his or her good books. Stand back and ask for assistance.

First-timers are also usually dumped with quite a handful of chores which everyone else hates doing. Be smart and find the right time to politely ask your direct superior what you are expected to and what you are not. If, as a salesperson in a boutique you are not supposed to use the cash till, then don't step in for the other salesgirl whilst she goes to buy a fizzy drink round the corner. Not unless you have sought the permission of whoever assigned you to your daily tasks.

It helps to get a breather in between duties during those first few days. Even if on day one you were left with no time to have a decent lunch break, make sure you grab your lunch hour and utilize it as from day two. If you get into the habit of keeping on at work during your lunch hour, chances are somebody will take notice and profit from it. Before you know it, you'll become inundated with so much work that you'll have to stay late to finish the whole lot off and end up missing dinner as well. So set your limits carefully, but firmly because taking on too much can be a two-edged sword. Whilst it is understandable that you need to prove yourself and your worth, avoid risking overload and situations where work is less than perfect. Not to mention, a stressed out employee..... Which could be you in the near future. Stressed out people tend to dread going to work every day..... It's not something that you would look forward to, would it?








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The Life in Your Years

Abraham Lincoln's famous words have lived on for ages after they were spoken. It's quite possible that he had no idea the impact those words would make on societies born well after his death. But how true those words are; And in the end, it's not the years in your life that count. It's the life in your years.

Retirement doesn't signal the end of life, only the end of an era. For those who have embraced the many changes that have surely visited them throughout a long and healthy existence, life after retirement can be active and full of satisfying activities. Growing into your seventies and eighties is oftentimes a life event that you and your family tiptoe towards, worried about your health and safety. If you are the retiree, the worry about health and safety is most likely more on the part of your children than on your part. Adult children worry that their parents are well taken care of, and yet don't want to take away the valuable independence that they have enjoyed for so many years. It is a situation that, working closely together, can be handled with grace and dignity.

Maintaining independence is vitally important to the emotional well-being of our senior community. Those who care for and are planning the living arrangements of seniors will do well to keep this in mind when working with them. These are people who have lived through years of ups and downs; decades of raising children and holding down successful careers. The latter years of a person's life are still full of potential and vitality; that is a fact.

Staying in your own home as you grow older is something that you may have strong feelings about. Your home is as much a part of your life as your family. It is where so many memories live that leaving it is almost always a last resort. Obtaining quality in-home care when it becomes necessary can alleviate fears that may go along with independent living. Knowing that you have a caretaker that comes and goes as needed can give you and your family a peace of mind, and allow you to live more freely doing the things that make you happy.

There are so many activities that seniors can engage in that will not only give them something to do, but will also continue to enhance their lives. After all, learning and experiencing new things is good for everyone, no matter what their age. Making this a fulfilling part of a healthy life is easily done when a family has taken the time to engage in discussions about the importance of independence to aging parents. Once reliable and caring in-home care is arranged, both seniors and their families breathe easier and can get back to the task of living life to the fullest.

As important as it is to enjoy continued independence, seniors must not forget to get out and enjoy the freedom they have in this stage of life. The kids are grown and well into their child rearing years. You have contributed to the work force for decades and enjoyed the sweet success of your career. Now is the time to think of something you may immensely enjoy doing. Perhaps you've always wanted to learn a new language. It's not too late to begin learning! In fact, studies have shown that seniors who spend time on educational activities have better cognitive function and retain their memories longer than seniors who do not. In addition to the health benefits, attending educational programs give seniors the opportunity to interact with others of their age group and younger people as well. Engaging in a group activity also helps alleviate the isolation and depression that inactive seniors often develop.

Here are a few pulsating activities to keep you young at heart: Eight is Enough ... Bridge Team Games, Pie Socials, Play Poker, Greeting Card recycling, Group Trail Walks, Group Bike Rides, karaoke, Digital Photography¦

If language is not your thing, there are still a wide variety of options open to you. Exercise classes, chess clubs, even square dancing or ballroom dancing are all thriving classes in our local community center. The bottom line is that as you have embraced every other life change that has come your way, embracing the changes that come along with retirement and senior living is what will keep you the most healthy and happy.

Attitude determines so much in life. This is something all who have lived long have discovered. When you and your family can look at this time in life as just another adventure in a long journey, then you can find the things that make your heart sing as loudly as it did when you were just beginning. Making sure that everything at home is taken care of by a home health agency you are comfortable with leaves the doors wide open for you to branch out and continue leaving your mark on the world. Life does not stop at a certain age, it goes on as long as you continue walking down that road.








Nichole Illingworth is the President of A Peace of Mind Home Care, servicing needs to the elderly in Southern California. For more information on home health care please visit:

apeaceofmindhomecare.org A Peace Of Mind Home Care

Home Care Facilities Promote Healthy Living

If you are part of the baby boomer generation, then you know that many of your friends and associates are enrolling in home care services to help them keep their health up. One of the things to look out for, and where care facilities can help is with the three kinds of diabetes.

Type I diabetes is the kind where you are insulin dependent. The second kind, Type II typically hits after forty-five. Gestational diabetes, or Type III diabetes, occurs during pregnancy usually.

One health benefit that home care service facilities can provide is health and wellness screenings on a regular basis. Along with routine things like blood pressure, these screenings can also monitor specific medical conditions, such as diabetes.

To help with your fitness and other health concerns, senior home care agencies provide speakers and other teachers to help with classes like aerobics and yoga. No matter your age, you can stay in shape and be active.

If you really want to reach your fitness goals, then the added support of a group with home health services allows you to work with friends. Exercising with friends gives you added support and more willpower to continue.

For more activities that are restful rather than physical, know that these centers usually have a wide range of events to hold your interest. Classes on crafts like pottery also help your general health by giving you a sense of community. A health care agency helps round out every part of your being, so your total fitness and health improve.

If you do not like those kinds of crafts, then there is something for everyone, like computer training classes. On the other hand, you can work on your other hobbies, such as sewing. You can even join a book club to make new friends.

Home care service facilities help you interact with other people and keep your health up. When you enroll, you will find a world of opportunity waiting for you.








Jen Pursens is a professional copywriter, specializing in the topic of vidaseniorresource.com senior home care and the intricacies of in home vidaseniorresource.com/in-home-care-locator senior care.

How to Get Organized When Your Elderly Loved Ones Need You

It happens to us all; as we age so do our parents, grandparents, aunts, uncles, siblings and other special people in our lives. Even if your family is running smoothly right now it's never too early to plan what to do before a crisis sets in.

Where do you begin? Here are 5 tips to consider when your loved ones (LO) begin to go from independent to dependent living:

1. Think ahead.

Have a candid discussion with your LO about what they want to do with their senior years. Maybe if they live in sunny Florida and you live in New Jersey they won't want to come back and live with you in the northeast for their 70's and 80's even if you volunteer your home as a safe haven.
Have a candid discussion with your LO about what you can/can't do based on your current lifestyle. Maybe you have two children in school and both you and your spouse work. It's hard enough to find time to empty your dishwasher let alone run your LO to their medical appointments.

2. Consider everyone's finances. How will the people involved be paying for where they decide to live?

Live alone in what type of dwelling
Live with Home happinesslifetime.com Care Agencies lending a hand
Live with relatives
Live in a senior community
Live in an assisted living community
Live in a nursing home
What's free versus what costs money

3. What are the current and potential future medical issues?

Will your LO have Medicare/Medicaid, other health plans/insurance
Who will be your LO medical advocate at the doctors, hospitals and at home
Do you need to change your house/their house with medical equipment

4. Who will be the "Go To" person? Should your LO become physically or mentally not capable of caring for themselves who will:

Be the Power of Attorney
Taxi driver
Cook
Cleaning person
Do the banking
Set up routines, schedules and boundaries
Delegate

5. Discover and discuss where the important papers are.

Create a medical journal
Create a Grab and Go binder
Create a bill paying schedule
Create a reference filing system for papers
Ask for last wishes

Remember, being organized is in many cases, pure planning. It takes years for our loved ones to age. Use this time wisely to communicate the physical, psychological, financial and spiritual needs of each other. Ask yourself the following question, "If not now, when?" and plot your calendar with specific dates and times that you will implement the above tips and strategies to help the older ones in your family that will be looking to you for support in their later years.








At POSSE (Professional Organizing Solutions Serving Everyone) we cater to homeowners who want one-on-one help with their organizing endeavors whether it's their space, papers or time. We also hold organizing classes called Clutter Corrals, have a monthly forum for supporting each other called POSSE's Pen and give organizing presentations as well. Learn more and sign up for a free newsletter at POSSEPartnersLLC.com POSSEPartnersLLC.com.

Adopt a Dog

Giving a dog that has no home a place to live is one of the best things you can do for the Adopt A Dog Foundation. Maybe you want a pet that will play with your kids as well as keep them safe then you should consider getting a dog for them that will be suited for your home.

There are various ways in which you can select your future pet but it is nice to think of adopting a dog first. Adopt a dog is a foundation that provides homes for dogs that are either been abused and kicked around as well as stray and homeless dogs. They also find lost dogs which they reunite with their owners.

When adopting man best friend you must consider whether you wasn't a dog that stays in the house which most people do. Next step is what size it is and how you are going to care for it. Adopting a dog is the best thing and the best place to go to if you are looking too take a dog with you.

While adopting you can ask for any variety of breeds they may have or you can go to the kennels and walk around too see which dog connects with you the most. While choosing consider that some dogs are really suited for patrolling grounds and if you do not have enough space they will feel confided. You will also have to be preparing to care for the animal and consider the food according to the dog you are planning to adopt.








Peter Gitundu Creates Interesting And Thought Provoking Content on Flowers. For More Information, Read More Of His Articles Here gitundu.com/home-improvement/flowers TYPES OF FLOWERS If You Enjoyed This Article, Make Sure You gitundu.com SUBSCRIBE TO MY RSS FEED!

Homecare Agencies - Bringing Medical Care to the Patient

Homecare agencies specialise in the provision of caregivers and health professionals to provide medical care and support to the numerous individuals who, due to their medical conditions, are unable to leave their homes or to support themselves in their own home environment. Those in this profession are commonly referred to as direct care workers, due to their role in working with patients who require short or long term care in the patients home or residential care facilities.

Health professionals working for homecare agencies typically provide aide for the elderly, disabled, and the physically and mentally ill. They provide health related services as well as, housekeeping, routine hygiene and personal care functions. Caregivers regularly provide meals and dietary plans and provide assistance with regular daily functions such as bathing, grooming and dressing, cleanliness, as well as travelling with their clients to medical appointments and other miscellaneous errands. Many healthcare professionals employed by homecare agencies work with the elderly or those suffering from physical or mentally disabling conditions. These individuals generally require a higher level of care and medical expertise than their family alone can provide. Additionally, homecare agencies may provide instruction and psychological support to their patients.

Those employed by homecare agencies generally work alone, with intervallic visits from their supervisors. They receive detailed instructions explaining when to visit patients and what services to perform, with the responsibility of transporting patients to and from their home. Due to this, caregivers may spend a good portion of the working day travelling from one patient to another. As most equipment that is commonly available to staff in medical institutions, are not present in people's private homes, homecare staff must be vigilant to ensure injuries to do not occur from overexertion when they assist patients.

The demand for healthcare facilities employed by homecare agencies is expected to rise as a result of growing demand for home services from an aging population and pressures from government agencies to reduce costs by discharging patients earlier from the hospital environment and into private homes and external care facilities. The trend expressed in consumer preference for in-home care is not only creating greater pressure on homecare agencies, but for the adaption of technology for in-home treatment.

As a result, career opportunities are becoming more numerous for nursing and health aides working under the umbrella of direct care workers. Additionally, evolving medical practices and procedures which enable many of us to experience extended life expectancies; will inavertedly create greater pressures on homecare services and drive demand for homecare health professionals.








Geneva Health International Ltd is a leader in its field of health staffing and recruitment. They have a wide variety of major staff supply contracts, within Australia, New Zealand, UK and overseas, and have extensive experience in meeting the needs of a significant number of large and small health organisations.

Geneva Health has operated in the UK for over 12 years. From their head office in London, they operate a Nursing and a genevahealth.co.uk Medical Locum Agency, genevahealth.co.uk/homecare.aspx Homecare Agencies Services, plus Permanent Recruitment services for a range of health professionals, from Doctors, to Nurses and Allied Health and Clinical Support professionals. Their clients are cover the health spectrum from the NHS, to Private Hospitals and Nursing Homes.

Friday, April 19, 2013

Travel Insurance - Don't Leave Home Without It

Imagine, after climbing a rather steep mountain in a remote area, that you fall and break both your arms. If the accident happened in a third-world country you were visiting, the whole ordeal just got much more complicated. travel.happinesslifetime.com Travel insurance may have been the last thing on your mind until your fall.

Just to reach medical help, could require two days of walking followed by additional driving time. On reaching the medical center you may then have to pay a teenager to fetch ethnic food for nourishment and painkillers from neighborhood kiosks. Many hospitals in third-world countries often do not supply these items for their patients.

If your injury required an operation, it would be a huge leap of faith to trust that sterile procedures were used or that the anesthesia would be sufficient. Your total hospital bill could be as little as $100 cash for having both of your arms set and put into casts. Your next need would be finding a flight to your country and negotiating a seat on the plane.

If you had insurance, you would probably be covered for around four surgeries as well as physical therapy for up to six months. If you had not purchased insurance, these expenses would not be covered. Insurance is not always something that travelers think of, but this becomes even more important when you will be traveling to an exotic location.

Some health insurers and travel agencies offer travel.happinesslifetime.com travel insurance; some of these policies offer trip cancellation coverage along with the medical insurance. Rates are often set fee based on each $100 of coverage, but you may find the policies can be widely varied.

Most people who buy travel.happinesslifetime.com travel insurance are elderly people who often worry about canceling a trip because of illness or worried they will require care abroad for an existing health problem. Although some insurers do, Medicare does not cover care overseas. Most senior citizens rely on Medicare as their primary source of health care coverage.

Tourists are often required to pay for hospital costs via cash, credit card or traveler's cheque. If you need nothing more than a few stitches, this may be a fine method of payment. On the other hand, if you are in need of an emergency room, having travelers health happinesslifetime.com care insurance could save you a lot of trouble.

When you have travel.happinesslifetime.com travel insurance, the party insuring you will compensate you if death or illness causes the cancellation of your trip. This cost reimbursement covers incidents related to yourself or that of a relative. The policy also provides for the unlikely possibility of the vacation charter company going out of business.

Besides travel.happinesslifetime.com travel insurance, it's vital to take in to consideration a variety of health care issues before you decide to do any traveling abroad. Depending on your travel destination, you could need to obtain shots or vaccinations from a travel clinic at a local hospital. It would also be a wise idea to contact your own health plan provider to make sure you get instruction in writing for handling any kind of medical situation overseas.

Pack with your health in mind and include a first aid kit along with bandages, a thermometer and an antibacterial ointment. Estimate how many prescription pills to take along, and then double it as a precaution. It is handy to have prescription slips in Latin and with generic names.

Your credit card may provide some protection for you, aside from travel.happinesslifetime.com travel insurance. Paying with American Express, for instance, provides some coverage for the following: lost baggage, roadside assistance, rental car damage, some injuries, and in some cases coverage for death is included. Card holders can also get coverage for medical expenses, missing a flight, emergency evacuations and other circumstances for an additional fee.

The trauma and recovery time from many unexpected events can be minimized by good planning. Insurance is a contract; make sure you read the fine print and understand what is and isn't covered. travel.happinesslifetime.com Travel insurance is there to protect but make sure details are checked.








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7 Deadly Exposures to Identity Theft Revealed

Identity theft is one of the fastest growing crimes this century. The Federal Trade Commission states "Identity theft occurs when someone uses your personally identifying information, like your name, Social Security Number, or credit card number, without your permission to commit fraud or other crimes." It's been called a "victimless" crime - until it happens to you. Many people feel that they will not be a victim of identity theft because in their opinion they don't have a lot that can be taken. Only 25% of identity theft incidents involve actual credit. Other reasons for identity theft include avoiding arrest and prosecution, revenge, and terrorism. Many identity thieves actually pay their (or rather your) taxes, mortgages and social security. However, they are still not doing it legally and this can mess up a credit rating and your medical history.

There are seven ways that you may be unnecessarily exposing yourself to identity thieves. The main thing is to be aware of how you may be inadvertently making it easier for thieves to steal your identity.

Exposing yourself to personal risk by giving out personal information when you haven't initiated the contact or by giving out too much personal information when you do initiate the contact.

Many thieves use a process called "phishing". This is when they send out an e-mail or use a phone call asking you to verify some personal information. The thieves are very clever in that their e-mails, web-sites and phone services come across as extremely professional. Trust that the companies that hold your personal data will not seek out your information in this fashion. And they will never ask you for you to provide your password. Use due diligence and ask yourself if you initiated the contact or are you responding to an e-mail or phone call? If you completely initiated, then trust you are talking to your company. If you are responding to a request, whether from a phone call or e-mail, then do not provide any personal information.

The cell phone is now becoming a tool for thieves as well. Be careful with the information you provide via texting. In one incident a man had his cell phone and wallet stolen. In his wallet was his debit card. The thief then texted the wife, who was identified as "wife" in the cell phone with a simple message "Honey, I forgot our pin". She texted the pin back. Have a plan in place with loved ones as to what are unacceptable texting topics. Verify that you are "talking" with who you think you are talking with before providing this information.

Exposing yourself on various web-sites such as for job searches and social networking.

If you are looking for employment, you probably are thinking of ways to make it easier for companies to find you and by posting your on-line resume, you provide such details as your full name, e-mail address, and other contact information. This is one of the fastest growing areas that identity thieves are using.

A couple of simple suggestions to make sure you are not at risk. Mask your contact info - the larger job sites do have this option. Employers must ask for your permission to see the details. Yes this does limit the number of times your resume is viewed, but it also limits the number of sketchy offers you will receive as well. If you are unable to mask your info and you still choose to use that site, then set up a different e-mail specifically for this job hunt purpose. And once hired, delete your resume.

Never provide your social security number on-line. A social security number is not necessary for an interview and is not needed until you are actually in the hiring process.

Be aware of phony offers. Similar to other phishing e-mails, now identity thieves are posing as employers and ask for personal information. Verify any offers of employment by doing an independent search of the company and contact person by doing your own Google search.

If you choose to go on a social networking site such as MySpace, Facebook or ConnectU be scrupulous about what personal information you choose to share. Many times identity thieves don't even have to ask you for the information - oftentimes people put out their cell phone numbers, addresses, and other contact info for anyone to see. This is not even making it challenging for an identity thief to pounce on the information and use it quickly.

Exposure by using easily available information for passwords - such as mother's maiden name, birthdate, last four digits of social security number and using the same password each time.

To reduce risk here, think of something that is relatively unknown about you. If you want to keep it simple for you to remember and want to go with the birthday route you can use the birthday of the first person you ever kissed or the birthday of your favorite historical person.

Exposure by placing outgoing mail with personal information in an unsecured mailbox rather than going to post office or using another secure collection.

Use the post-office for the highest security. The next best thing is a secure blue postal box. Thieves can take your mail, open it up and use it as they see fit. Thieves will not respect that the envelope is not addressed to them. Yes to open something that isn't addressed to them is a felony, but think about it, they're probably not too concerned about not violating one law in exchange for another.

Exposure by tossing account statements, charge slips, expired charge cards, and/or free credit offers in the mail without shredding.

Shredders are inexpensive and invaluable in protecting yourself. Be sure to shred CD disks that have personal data and strip clean old hard drives.

Exposure by not knowing your billing statements and not being able to follow up with creditors if your bills are not arriving on time.

If your accounts have been hi-jacked, you need to react immediately. When a thief has taken your existing account he or she will usually contact your credit card company and report your card as missing or stolen and give a new address to send the card to. Ironically, the credit card company will then cancel out the PIN on your existing cards and send out new cards to the thief.

Exposing yourself by leaving your personal info in an unsecured location at home or at work.

Sadly, a lot of identity thieves come not from strangers but from people we invite into our home.

The bottom line is no-one will protect your best asset - your name - better than you.

The best thing you can do to protect yourself is to buy an identity theft protection and restoration plan. Make sure the plan is all encompassing and the company is aggressive. Choose a company that monitors your account daily, reports any new accounts immediately and will assist you in recovering your assets. Also, choose a company that focuses on protecting you - not challenging criminals to steal your identity to prove a point.








Grainne Callan is an identity theft protection specialist. Having experienced the frustration of being a victim before it was the buzzword it is today, she knows how time and energy consuming it can be to try to do it all on your own. She now works with individuals to protect their best assets and achieve peace of mind knowing that trained professionals are monitoring their accounts daily. For more information, send an e-mail to

Child Daycares

Working parents will at times feel harassed and worried when they have to be away for six to twelve hours at work and have to leave the children at a comfortable and convenient place. Daycares will offer this service to working parents at a fee for the care of the child, which may be high or low depending on the center. however parents who have a tight budget can enroll their child Daycare that are free or charge a small few such as churches, or government based centers.

These centers are not any different from those that charge. They are easy to locate in every state at a place of convenience. Majority will be licensed to operate business and will have policies that govern the childcare centers. Children will be enrolled from the age of 3 to 6 years up until they join kindergarten, while other centers may accept children under the age of three years. Their physical and mental development is well nurtured.

Before enrolling a child it is good to inquire how children are allocated per minder, the fewer children per minder the better the attention. Other factors that should be noted are the staff training, education activities for children,and safety of playing areas inside and outside the center. Putting the needs of child first is important so as to make a good decision on what center to enroll them into.

Daycare can also be run from homes whereby a few number of children are under the responsibility of a child care provider who is monitored and supervised by an agency.








Peter Gitundu Creates Interesting And Thought Provoking Content on Daycare. For More Information, Read More Of His Articles Here gitundu.com/education/daycare CHILD DAYCARE FACILITIES If You Enjoyed This Article, Make Sure You gitundu.com SUBSCRIBE TO MY RSS FEED!

What Fees For Sale and Rent Back Are There?

A sell and rent back in the UK is a good thing for anyone who needs help with avoiding repossession to see. However, some people are reluctant to get into this type of plan. This comes from how they may be worried about potential fees. After all, a person who has a great deal of financial problems may not want to work with more fees.

The truth is that the fees that would be involved with a sell and rent back in the UK system are practically nonexistent. This is one of the most valuable things to see.

The fees that are going to be used for the sale process will not be added onto one's bill in a sale and rent back plan. This is because of how a typical sell and rent back in the UK will work with a property being sold off and the company giving off a certain percentage of the money to the client. This percentage will be used as a means of helping to get an company to be able to recover its losses over time through the use of rent. The fact that the company can sell the home at full price to someone else after the agreement ends helps too.

Another consideration deals with upfront fees. Many estate agents work with upfront fees for their services. A firm that handles sale and rent back in the UK processes, on the other hand, will not deal with any of these fees. No upfront fees will ever be charged to a person. This is done because the person should not have to pay for something that may not successfully take place later on.

The fees for a solicitor will also be covered. This can be done in one of two ways. First, the company can work to use one's own solicitor for the entire transaction. The solicitor will be available from the agency at no cost to the client.

The second way comes from what can happen in the event that a person has to hire one's own solicitor. A person will be able to choose to do this if that person wants to. If this is the case the person will be reimbursed for the cost of hiring a solicitor. A typical sale and rent back agency will provide a client with a payment of up to five hundred pounds to take care of the costs that were involved with getting a solicitor to work for one's needs.

No visitation fees will have to be used either. Many real estate agents use fees that relate to services where one's home is visited to see what the condition of the home is like. This is not something that a sale and rent back agency will work with though. The entire home inspection process and the valuation process will be free of charge.

This is a very convenient thing for a person to see. It is also used to help with making sure that a person will be able to openly look around at other sale and rent back companies if one does not like the result of a valuation.

In summary a sale and rent back firm will not deal with any fees. Sell and rent back in the UK is a good type of service for anyone to get into. It should not have to be something that will cost a good deal of money to get into though. It will help to see that all of these fees are ones that can be easily avoided when getting into this kind of plan.








Steven Martin is a FSA interim authorised provider of quickpurchase.co.uk/content/sell-and-rent-back Sell and rent back and also provides a Quick property sale and Stop repossession service. He works at quickpurchase.co.uk quickpurchase.co.uk

Choosing Home Security Company

Home security companies provide end to end solution for home safety and security. They have experts to guide you through the needs and suggest the right product within your budget. Most home security companies have an array of security system that depends on the size and the requirement of a specific home.

The two wide categories of security alarm system provided by the home alarm companies are the wired and the non wired options. The wired ones are more cumbersome while the non wired are sophisticated. With the changing times these home security systems have been introducing latest technologies for best results. After choosing a particular product one can request for a trial that can range up to a few weeks. This facility however, entirely depends on company to company. On installation of a particular system be very thorough with the processes that include the details of the authorities who may be informed if the alarm triggers, the hours when the home will be completely monitored from a station, the maintenance details and the customer service details too.

Home alarm companies are dedicated to the cause of safety and any complain from any customer regarding the system or the personnel are handled with utmost urgency. As a customer, always be sure that the company is registered and recognized by the concerned government agencies and authorities. The company should have had a good name in the business and recognized for great services. Maintenance of the security system sold by the company should be among the priorities of a good home alarm security system. There are a few great home security companies online too. They are recognized and provide similar services and security system as any offline. The entire process of purchase, delivery and installation is simple and customer friendly made carefully keeping you in mind!!








walkerhomesecurity.com security system - As a premier Security Company we offer 24-hour Home Security service.

5 Tips to Maximize Your Home's Value When You Sell

1) First, do your homework. Find out the local market conditions for your neighborhood. Depending on your area, there may be better/worse times to sell. Once you've decided to sell, there are three different levels of service that you may want to consider:

Sell the home yourself (FSBO)
List your with a Discount / Flat fee broker
Utilize a full service real estate agent/brokerage


If you are inclined to sell the home yourself, note that you will bear the responsibility for marketing your property, along with full legal disclosures, inspections, appraisals and the like. You should be very comfortable with real estate related documents, and comfortable with the legal implications resulting from the transaction.

You can also choose to use a discount or flat fee broker, who will assist you to sell your property. Depending on the broker you select, you may be able to get some assistance with marketing, open houses, disclosures, title/escrow, etc. Make sure that you understand exactly what services you are willing to pay. Make sure you understand what services are covered under each pricing plan. Find out if your listing will be posted on the website, what signage will be available to you; find out if you are posting the home to the respective MLS (multiple listings service) in your area. Each broker is different, so make sure to get references from former clients.

If you want to market your property to the largest pool of possible buyers, list your property with a full-service real estate broker/firm. Now, before you pick up the phonebook or check that postcard you received in the mail, make sure to take the time to interview more than one agent/agency.

Find out if they are a REALTOR®--a member of the NATIONAL ASSOCIATION OF REALTORS, a trade organization of nearly 1 million members nationwide. Members of NAR subscribe to a stringent code of ethics to guarantee the highest level of service and integrity. You may also want to know if they have any special REALTOR® designations, such as GRI and CRS, which require that real estate professionals take additional specialized real estate training.

In addition to qualifications, you should check references of the agent. Make sure to speak with former clients to see if the agent is responsive and is available to keep you up-to-date with progress. You need to have direct contact with your agent, so you will need to be as comfortable as possible. The agent that handles your listing should:

Detailed marketing plan for your house, including online and offline marketing
Prepare a Comparative Market Analysis (CMA) of properties in your area that have sold, as well as properties currently listed
Help you determine the best selling price for your house
Advice on suggested home improvements

During the time that your house is on the market, potential buyers will make appointments to view your home, along with the planned open-houses that you or your agent may schedule. Try to evaluate the house as if you are seeing it for the first time. Buyers need to envision themselves living in the home, so take care to present the property in its best light. Put yourself in the position of a potential buyer and view the property starting at the front, itemizing the most cost-effective enhancements to make.

2) Clean up as much as possible. You may want to paint walls (neutral colors are best) or spruce up wallpaper. Replace old flooring and worn carpets. Check and repair damaged or unsightly caulking in the tubs and showers. If possible, hire a cleaning service. Display your best linens, towels, and shower curtains. Make up beds, and put fresh flower arrangements on the table. Make sure that there are no offensive odors in the house. Odor is the first thing buyers notice, and often a permanent turnoff.

3) Make your house their new home. Put away or pack small appliances and other items that might be sitting on countertops or tables throughout the house. You want buyers to visualize the space in each room, so it is best to remove as many smaller items as possible. Remove personal items, pictures and items to present clear shelves, book cases and walls. Move excess furniture to make rooms more spacious. Replace heavy curtains with sheer ones that let in more light. Clean and organize the closets. If you must, store boxes in an out of the way location. You may also want to rent a temporary storage unit, to allow you to de-clutter every part of the house.

4) Don't forget the outside! The right landscaping can enhance the curb appeal of a home. Eliminate weeds, patch bare spots, fertilize and water. Take a good look at the shrubbery. Bushes that have grown to cover windows should be pruned to let sun and light into the home. Fill in bare spots with small shrubs and colorful, fast growing annuals, such as impatiens and petunias. A few well-placed flower pots by the front door can be very inviting. Today's buyers want low maintenance. Your goal should be a beautifully maintained yard that looks easy to care for.

5) Allow your agent/representative to show your home. Buyers don't want to offend current owners, so they may be more hesitant to consider your home if you are present for open-house events. Be flexible about showings. It's often disruptive to have a house ready to show on the spur of the moment, but the more often someone can see your home, the sooner you'll find a seller.








ziprealty.com ZipRealty provides home sellers and buyers with an innovative real estate solution. By using the efficiencies of the Internet, we have streamlined the real estate process and are able to pass significant savings on to our clients. Our licensed ZipAgents have years of experience in the areas they serve, allowing you to save thousands, without compromising on service.

Thursday, April 18, 2013

Information On Adoption

There are many reasons why a child may be without a home and loving parents to take care of their needs and prepare them for adulthood. Death may have removed the birth parents from the picture. The child may be the result of an unwanted pregnancy. Illness or addiction issues may prevent the birth parents from being able to care for the child adequately. A child who has been abused may be removed from the home and the parental privileges terminated. Poverty has often been a motivator for parents to give up custody of children. The reason that the child is alone may be that one or both of the birth parents are emotionally or economically unable to provide a home for the child and feel that it is in the child's best interest to allow someone else become the legal parent.

In most countries, government agencies oversee the operation of orphanages and children's homes. The function of these facilities is to provide an environment where the child may have food, clothing, and shelter and receive an education. At the same time, these agencies will seek to find qualified adults who wish to open their homes to a child who needs a parent and strong role model.

The adoption process varies from one jurisdiction to another. In some countries, any citizen of legal age may apply to become an adoptive parent. Generally, the applicant must be able to demonstrate the ability to provide the child with a stable home environment, care for the basic needs of the child, including providing emotional support and parenting that will help the child become a responsible adult.

In most jurisdictions, adoption is not a short process. The applicant must first meet all the criteria established by the jurisdiction, then undergo background checks, psychological evaluations, and a wide range of other investigations. These are necessary to ensure that the individual is truly capable of being a good parent. To this end, the adoption process is not for the weary or the faint of heart. It takes a lot of commitment and effort to become an adoptive parent.

As the child reaches adulthood, he or she may wish to learn more about the birth parents. Today, many government agencies can assist in this process. Adoptive parents and children can work together to either locate the birth parents or at least gain access to documents relevant to the situation.

For any person considering the idea of adopting a child, it is a good idea to sit down with local authorities and identify the exact criteria set by the local jurisdiction. This will help the individual understand all that is entailed in becoming an adoptive parent.








Hi, I'm Romain Levesque Author of the article and owner of the website : details4life.com details4life.com

Feel free to stop by. You may republish this article as long as the resource box an live link remains. Cheers!!

Texas Health Insurance: Does It Provide Long-Term Care?

Long-term happinesslifetime.com care insurance is focused on help with ordinary daily living. That includes activities such as bathing, preparing meals, taking medication correctly and toileting. The problems that commonly require long-term care include advanced osteoporosis, Alzheimer's disease and other forms of dementia or a loss of hearing, mobility or vision that impedes daily living activities.?

What Do Long-term Care Policies Cover?

Long-term care coverage can help to pay for care at home or in a facility, such as a nursing home. As with Texas health plans, there is a great deal of variation in the type of long-term care plans that are available. The premium range depends on the amount of services you want, your age when you purchase a plan and whether you buy optional benefits, such as inflation protection.?

What Does Health Insurance In Texas Cover?

While Texas health plans vary in the services they cover, long-term care typically is not covered by health plans in Texas, except in very limited ways.?

Unfortunately, Texas does not require standardized policies in the individual market, or the plans that people buy when they don't have coverage through an employer or the government. That makes it very important for you to compare plans carefully from different companies when you are shopping for your own health care coverage.?

All Texas insurers are required to offer at least one plan that covers state-mandated benefits, such as childhood immunizations and mammograms. Texas individual and family health insurers can also sell less-expensive plans that don't include every mandated benefit, such as diabetes equipment and supplies or treatment for a chemical dependency. Typically, these plans don't cover assistance with daily living activities.

What Does Medicare Cover?

Even Medicare for those 65 and older, whom you would expect to need long-term care more frequently than any other age group, covers very few long-term care expenses.?

Medicare Part A deals with home health care, hospice, hospital and skilled nursing care. Before Part A coverage begins, you must meet a deductible of $1,100 per illness in 2010. After you've spent that much out-of-pocket, Part A covers hospital stays of up to 90 days per illness as well as 60 reserve days of coverage.?

Part A also covers up to 100 days (again per illness) of care in a skilled nursing facility following hospitalization. To qualify, a doctor must certify that you need skilled care, such as intravenous injections or physical therapy, on a daily basis. Part A does not cover long-term care in a skilled nursing facility.?

Part A does covers certain home health care and services. Home health care is limited to part-time or intermittent skilled nursing that is medically necessary. Again, care must be ordered by a doctor, and it must be provided by an agency that Medicare certifies.?

According to the Census Bureau's 2008 survey, 75.1 percent (17,573,184 people) had health plans out of the total population of 23,406,068 Texas residents. Also as of 2008, about 405,000 Texans and more than 7 million Americans had long-term care plans.








By Wiley Long - President, eTXHealthinsurance.com - Texas's leading independent online health insurance agency specializing in individual and family eTXHealthinsurance.com Texas Health Insurance. Get instant eTXHealthinsurance.com/texas-health-insurance-quotes.htm Texas Health Insurance quotes, compare plans, apply online, and save your hard earned money!

Driving the Man

A couple of years ago, I went for an interview for an agency job, to be a temporary van driver - I came out of that interview as the MD's chauffeur! Turned out he had lost his licence for speeding.

"Interesting job", I thought, and it was! I smiled, I think, for the rest of the week before I started. During the time I spent as a chauffeur, a short 6 months, I did some very interesting things and met some interesting and amazing people. I am going to share some of these moments with you.

The car I drove was a big shiny black Audi - a ?50,000 car! I drove a ?500 car at the time, and I knew I hadn't a hope of driving anything like that any time soon - I had just lost everything I had (its a long story soon to be explored in another article). It was plush, it was supremely comfortable, it was very fast and smooth, it was mine ALL mine! Well okay it was his, but it felt like it was mine! Occasionally I would get to take it home and on those occasions I would take it to friend's houses, and take them for a spin, and they were all blown away... they thought I had the greatest job!

Anyway... about being a chauffeur! My boss turned out to be a guy I was at school with, a tall, arrogant, narcissist with zero dress sense. He was not a nice man, but he was THE man. He had lots of money and I guess he figured he owned the world, or HIS world at least.

The hours weren't good. Starting at around 8am, I was often not home until 8 or 9pm. I didn't mind this, as I had not met my beautiful wife then. I was also at his beck and call in the evening and at weekends...using me for dropping him at and picking him up from the pub! Chauffeuring - my glamorous job!

I remember telling him I'd met a woman, in a conversation in the car - he wasn't happy, I now had a social life! Shame! But then 2 weeks later when I told him I was going to marry her, I got a stream of verbal abuse. His attitude to women was - use them and lose them!!

We had many conversations in the car, or at least I tried. I soon learnt that as a chauffeur, you listen but don't talk. When I wasn't listening to him berating his business partner, or telling me what he thought of certain girls in the office, I was listening to HIS favourite radio station - 5 Live - or I was listening to him snore!! Most interesting though, I got to listen to his phone conversations, and as most journeys were long ones, I got to see just what sort of a person he was - conniving, plotting, shamelessly playing both sides of the coin, almost a business pirate. I guess that's why he was such a success - if he wanted it he got it, regardless of what got damaged on the way! I'm glad I'm not that way - but then I'm not as rich and successful - but I'd rather be me and be happy with myself. Richard Branson, however, has shown us that you can be a nice, genuine guy and still be hugely successful.

Guess you've figured out by now that I didn't have much time for my boss. The one thing I am grateful to him for though, is for teaching me not just to respect myself as a person, but also others - I so didn't want to end up like him! There is one other thing - the places I went to that I never would have otherwise and the people I met along the way.

I would be here forever, if I recounted ALL of the people and ALL of the places, so I will just take you through what I see as "the best of the rest".

My job took me all over England, from Newcastle Upon Tyne to Southampton. Frequently we would go to London - he had a client on Oxford Street - and inbetween dropping him off and picking him up, I would often have several hours in which to "amuse myself". Although a naturally inquisitive explorer, the first time I took him there I had no idea what to do and didn't want to be too far away when I got the pick up call. So I walked up and down Oxford Street, visited Primark, and Park Lane and went and lay down in Hyde Park and read a book whilst watching the world go by. Bliss!! Monopoly... I could almost do the whole board!

As I got used to the job and timings, I began to explore further, slipping down side roads and the like. I found a road full of guitar shops and as I neared the end of that road, I found myself in the West End and toured the theatres (I love guitars and I love acting). The next time that we went I did a tour of London, literally taking in all of the tourist spots - Oxford Street, Mayfair, Park Lane, Regent Street, Leicester Square, The Mall, Buck House, Trafalgar Square, Whitehall etc. Exciting and fun, I had the best job in the world!!!!!

Southampton - hm. An interesting adventure. He had business on a cruise ship - the biggest in Europe I believe, this thing was immense. Not only did it have its own shops, it had theatre, cinema, ball room, library, and on the upper decks it had 2 swimming pools and restaurants and night clubs and a gorgeous view of the sea!! I had never seen anything so magnificent - 21 stories of cabins etc. Lets face it I was never going to be able to take a cruise - at least not any time soon! That was a long day, arriving home at around 830pm!

Another long day was Ladies Day at Ascot. I was to pick up 2 of the ladies from the office at a motorway service station and drive them to Ascot and then afterwards onto London where they had a business meeting the next day. Black Beauty was cleaned and polished and raring to go, and the ladies were riding in back. I picked them up at 730am (leaving home around 630am). Dressed up to the nines with their fancy hats, they were happy and excited. A bottle of champagne for the journey, they giggled all the way there! I dropped them off at Ascot right on time. How wonderful to see all of the pomp and circumstance that goes with an event like this - horse drawn carriages, gentlemen in top hats and tails, ladies looking like peacocks in all manner of weird and wonderful hats! I smiled to myself - my job was so much fun, SOMETIMES.

Once I had dropped the ladies off, I had to go to another client's house (who I shall discuss in a second) to pick up some items, and return to Ascot to wait for the ladies. Well this turned out to be the most boring part of the day. In a car park with hundreds of other chauffeurs - some polishing their boss's cars others standing around chatting and smoking. With not much to do I sat and read until I could read no more. I listened to the radio, I watched the giant video screen outside the race course. They should have been out by 5pm - they came out at 7pm! Excited, bubbly and most definitely drunk, I now had to get them to London and get home for tea! I drove like a demon to get home, and finally rolled in at 1030pm with many stories to tell.

I went to many places and met many rich and famous people. I went to the home of the guy who set up MoneySupermarket.com, who is reportedly worth over ?10,000,000. This guy had Lionel Richie fly over from the USA to play his 40th birthday bash - can you imagine being able to pay that kind of money for personal party entertainment? But by far the best and nicest and most famous person I met was Rolf Harris!!!

What a man - so kind, so nice, so down to earth and very natural and funny. Although nervous, I felt very welcome in his lovely home. I met the Antipodean celebrity on several occasions and it was totally surreal. This guy was hugely famous when I was a boy - a household name - and to be sitting at his dining table and have him walk in, talk to me and make me a coffee just blew me sideways! Another time I was there, I had to stay for a few hours and he had a concert the next evening at the Royal Albert Hall. As he sat there, doing his thing, he rehearsed his songs, treating me to all my favourites... Jake the Peg, 2 Little Boys etc. Absolutely the most amazing thing that could happen to a guy who was just doing an ordinary job. He was is and always will be a huge hero of mine and I will never forget those hours I spent in his company. Thank you Rolf!

So there you go, just a few moments in my short time as a chauffeur. Chauffeuring is not for everyone - the hours are long, the company not always good, the hanging around sometimes boring, you've got to love driving and you must know how to amuse yourself - but it can also be very exciting, fun and rewarding if you get the right job. A small note for those of you who have a chauffeur - treat your driver well, and be careful what you say, they may one day decide to write about their time with you!!








With best wishes for positive life experience

Dale Preece-Kelly

More articles to see at selfhope.co.uk selfhope.co.uk

How to Qualify For a Mortgage, With a Low Rate

Contrary to what you what might have heard on the nightly news, getting approved for a home loan is actually still possible. Banks are not lending to borrowers without jobs like they were three years ago, but if you have consistent income, and a decent FICO score, you will get approved for a mortgage.

To ensure that you get the best rate though, you need to prepare your personal balance sheet in advance of the loan process. The first thing you should do is run your credit, and take care of any errors and outstanding collections. Remedying these can take up to a few months, so do not procrastinate.

Next, pay down your credit card balances as much as possible. Credit score agencies use a ratio of outstanding debt over total available credit; you want to keep these ratios on your credit cards as low as possible, shoot for 25-30 percent. Doing these few things will send your credit score skyward, improve the interest rate you will qualify for, and lower the amount of money you will need to bring to the closing table.

Another thing to consider, make sure your down payment capital and or cash reserves, are seasoned for a few months in a bank account. Lenders are going to request at least two months of bank statements during the loan process, and what they are looking for is a consistent account balance. So if the source of your down payment is a family gift, or is simply hidden underneath your mattress, make sure you deposit the funds in to a bank account months in advance.

The most common reason for a qualified buyer to be rejected for a home loan is their debt to income ratio. Banks use this ratio to determine if you can afford the new loan payment, when added to your existing debt payments. To figure your DTI ratio, take the monthly payments you have on your debt (including the proposed mortgage payment) and divide it by your current gross income (debt/income). The highest debt to income ratio lenders will usually allow is around fifty percent, so eliminating a portion of your monthly reoccurring debt before the loan process will drastically improve the likelihood of a loan approval, and a better rate.

Getting an early start is the key to qualifying for the best financing, the rate you will ultimately end up with is determined by the financial snapshot you provide lender. So clean up your respective balance sheet before you invite the bank over for cocktails.

Keep in mind, the interest rate on your home loan will normally carry more weight financially over time, than the variance in purchase price of homes you search for. Here is a good tip, put equal focus in to your financial house cleaning, as you do your home search.








Robert Waldeck is a Tax Accountant, and owner of Waldeck Tax. He uses his blog to answer personal finance and waldecktax.com/taxblog tax questions. Also, visit his website to find an waldecktax.com affordable tax service, and useful financial advice.

Home Care Services For the Elderly

We live in an aging population, improvements in our standards of living mean that we are living longer than ever before. However, although we are living longer many of our elderly are in need of some extra help and this can become a huge burden on the rest of the family. Looking after elderly relatives whilst trying to hold down a full time job and continue with your normal life can be very difficult. For whatever reason many families are reluctant to put their loved ones into a nursing home and would rather they stay at home but this can often not seem like an option.

By employing a home care agency your loved one will be able to stay in their own home and will be looked after to the highest level possible. Whilst your time will be freed up so that the time that you spend with them can be quality time spent doing things you enjoy rather than just caring for them.

The home care agency will be able to put together an individual home care plan tailored to the individual needs of your loved one. From visiting just once a week to providing a full care package with three to four visits a day. Home care agencies are highly flexible and are therefore able to provide the level of care and support you need.

There are many reasons why people may need the services of a home care agency including people with disabilities, the elderly, people who suffer with long term conditions such as Dementia or Parkinsons disease, people who require palliative care or some assistance whilst loved ones are away on holiday. The ranges of services available are vast and include cooking, shopping, light housework, bathing/washing, getting up and getting dressed and prompting with medication. If you feel your family could benefit from some extra help contact your local home care agency they will be more than happy to discuss the options available to you.








To find out more information about access2care.co.uk Home Care, Home Care Services [access2care.co.uk/our-services/] and Home Care Jobs please visit our website or call into your local show room.

Does CRM Have A Place In The Insurance Agency?

CRM is one of those catch acronyms that is gaining popularity in most rapidly growing industries. Contact Relations Management (CRM) is the art of keeping up with prospects and clients in a system which utilizes today's technology to help agents increase close ratios. These type of systems are the driving force of sales departments for such companies as Harley Davidson and Staples. These companies have found that recording, tracking and maximizing their prospecting efforts saves time and resources. Throughout the past few years, this type of technology has been making its way into other industries besides the fortune 500, but does it have a place in the Insurance Agency? Absolutely!

Insurance Agents are constantly seeking referrals, purchasing leads, networking, cold calling, and paying for local advertising. What do agents do with the prospect's information if the sale is not made? It is lost in the deep abyss of paperwork in our offices. Post it notes, hand written notes and printed leads proliferate desks of agents across the country. All the necessary questions are asked and typed into a rating system then, they close the sale. But what if the sale is not closed? What is done with this information? How does an agent follow up in six months, send mailers, and retain the information for future repeat marketing? Agents are paying thousands of their hard earned dollars every year and yet not keeping the information they have achieved in the process.

In the past 10 years, a new resource for prospecting has taken the insurance industry by storm. Online Leads. Many agents have been burned by companies that required high deposits or provided shoddy leads. There have been some great resources that have grown despite the problems and agents are flourishing by utilizing these resources. The average cost of an internet lead is 8-15 dollars. These lead sources have a close ratio of about 15-20%. What is being done with the other 80% of their investment? Agents have the prospect's name, date of birth, home information, renewal date. Why not continue to market to these people at their next renewal? How does an agent remember to follow up on each quote, how do they track email correspondence or conversations? In six months, these prospects are still familiar with the agent's name, maybe some good report was created previously. What are agents currently doing to maximize their investment?

CRM systems fill this gap by allowing producers to easily input, manage and utilize the information retained in their prospecting. Such systems have various customizations, email templates, cross selling tools, and automation which allows the insurance agent to focus on what they do best. Agents are available to service the customer and help them preserve their lifestyles through quality insurance.

The key to selling anything is multiple exposures and timing. Agents using CRM tools keep in repetitive contact with their prospects and are able to maintain information such as expiration dates of policies and notes about each prospect for later use. Keeping all the information at the agent's fingertips and allowing for easy access is essential to fully utilizing a CRM system. Most systems allow agents to attach documents and track all notes in one place which eliminates needless paperwork piling up in their offices.

When shopping for the best system for your office, agents must look at what processes the system offers to aid in prospecting and making selling faster and easier.

1. Most captive agents cannot install software on their system so this mandates an online system. Choose an online version to eliminate the need to download software. Online CRM's allow the producer to track the productivity of their office from any computer and still provides all the security required for the insurance industry. Be aware to inquire if they require online versions to be hosted on the producer's servers. Some companies tout that they are fully online, but neglect to mention that the agent needs to pay for separate server hosting with another company. Find an all in one company to make utilization of the system easier on your daily process

2. Consider how the agency receives its leads. Does the system facilitate for various lead sources? Does it have easy data entry? Does it allow agents to import an excel spreadsheet or require the technical department to do it? How do Online Leads work with the system? Will it automatically import online leads and automatically assign those leads to producers to eliminate the down time of someone handing them out?

3. What follow up tools does the system offer, auto responders, drip emails, individual emails, reminders and easy reports to access prospects by expiration dates and other criteria? Following up with prospects is a big job and can consume a large portion of the prospect's day. Explore options for multiple automatic email follow up's, reminders, email templates, and scheduled emails to be set up all at once and delivered on the agent's schedule. Look for a system that will take care of the follow up, allowing the agent to make calls and follow up on time sensitive tasks.

4. How difficult are the customizations to meet the agent's needs for their industry? Insurance agents are experts on the insurance industry, not software developers! A system should not take longer than a few hours (off and on) to train and should be able to be workable easily within a week. The customizations should be geared toward how the agent works their business, not the standards of what the industry mandates. This allows the agent to get up and running faster and with little discomfort. Make sure to explore what integrations with lead companies and carriers that company may provide to cut down on set up hassles.

5. How supportive is the customer service to learn the system and teach the system in a manner that is best for the agent? Does the system provide online training, help functions, support online or by phone? Each person has a different combination of ways in which they learn easiest. Also consider what timelines for training meet your agencies work schedule. Training should be completed at the agent's schedule and with the options of learning in stages. Continued support should be provided as well for when the agent is ready for the next stage in the system (make sure to explore if there are additional charges beyond the first few hours).

6. What security does the system offer both externally to unauthorized users as well as internal security for other agents inside your office? Systems that are housed on a computer are available only on that computer. This option provides a lot of security but are available only on the computer they are housed on. This also allows only one agent in the system at a time on that computer. This discussion opens up the question of what happens if something happens to the computer.

Online systems beg the question of internet hacking. When exploring CRM options, ask what type of security do they provide? Do they manage their own servers, what type of documentation for security measures can be provided and what type of security certificates are in place. When inside the system, make sure the web address starts off with https:// rather than a simple this indicates that a security certificate is in place and actively monitored for outside disturbances.

7. What reporting and marketing tools are available to allow the agent to make the most of each lead? Tools for making the daily processes easier are the core to the CRM system. Agency managers need to look deeper and explore what reporting features are available. Are there productivity reports which are easy to access and easy to read? Do they give a lot of information that is not needed, or are they customizable to view what the agency manager cares about tracking? Does it have easy tracking of the agent work flow and daily activities? Can data on prospects be accessed based on what the agency manager wants to access? Exploring these questions can help the agency administrator decide what kind of system is right for their agency.

8. What do you get for your money? Does the CRM charge for various sections of the application? How much are updates? How often are updates rolled out? Are there additional charges for internet hosting of your system somewhere? Are there hidden fees for activity or limits on data storage? Are there hidden fees for additional training or support? Are the developers open to suggestions on how to improve the system to match daily work flow needs?

Contact Relations Management Systems are great tools for keeping the salesman on top of prospects and keeping the sales process efficient. CRM's are driving every top industry today and the insurance industry is not far behind in discovering the useful tool it can be to the industrious agent. Sales professionals in every walk of the industry are taking the time to investigate how these systems can help them to use their marketing dollars to their fullest extent. Explore the options available and discover what CRM can do for your agency.








Visit agencyiq.net agencyiq.net for more information and resources regarding prospecting for the insurance industry.

Teresa Kitchens
VP Operations of Net-Lead, LLC, the creators of the AgencyIQ System
Teresa is one of the co-founders of the AgencyIQ System and a proud owner of her own insurance agency. agencyiq.net agencyiq.net

Alzheimer's Care Givers Need Help Too

Congress recently passed legislation that authorizes $289 million over a five-year period for states to increase the availability of respite care for families who care for chronically ill family members.

Respite care provides temporary relief for caregivers who take care of individuals with chronic illnesses and disabilities. Respite care may take place at home or out of the home. Respite care allows the caregiver time away from the responsibility of caring for someone who is sick and shut in.

This legislation is designed to provide family caregivers a break from their daily responsibilities for patients or loved ones who cannot adequately care for themselves. Each year over 44 million Americans care for an adult family member who has a chronic illness or disability.

Millions more Americans are charged with the responsibility of caring for younger people who are afflicted with mental retardation or other problems. According to Sen. Hillary Clinton, New York Democrat, who is sponsoring this bill with Rep. Mike Ferguson, a New Jersey Republican. "American need relief from the physical and financial toll of caring for their loved ones". This Bill will close the income gap that presently exists.

The relief for caregivers can be in many variations. To alleviate the constant stress and financial drain, Congress wants to fill the void in the area of respite care for all families who need time away to

rejuvenate from caring for loved ones.

Volunteers are available from agencies that can also take patients to adult day care centers where they are supervised for several hours per day. These services are available but they do not fill the total need of the family.

Most families who are not considered low income must set up their own respite care arrangements. These families receive no help from the government or non-profit agencies. They have to pay for these services out of their own pockets. Private health insurance will not cover the cost of respite time. The care is custodial rather than medical.

The care that is available from most governmental agencies is aimed at low-income families or non- family members who care for the elderly. The bill would expand those restrictions so that more services would be available for patients at any age or income level.

Congress has not yet appropriated the funds for these expanded offerings. There are other sources available that can help. Some of these organizations focus on particular illnesses.

The Alzheimer's Association - offers respite services in several communities and information and referrals in other communities. The Alzheimer's Association has a 24-hour help line at 800-272-3900 or you can contact them at their website www alz.org. Each chapter provides information on some kind of respite care.

Elder Care Locators - People caring for older relatives should also contact the Elder Care Locator at 800-677-1116 which is run by the US Administration on Aging. There are state and local offices on aging that also have information on respite care availability.

There is additional help at non-profit Family Caregiver Alliance at 800-445-8106 or on their website at caregiver.org. The map on the website indicates where publicly funded services are available.

Respite care is necessary for families who care for Alzheimer's patients. It is believed that families benefit as much as the patient. Respite Care helps prevent abuse and neglect. The availability of such care for caregivers can reduce costly institutionalization.








For more information on alzheimersdiseasetips.com/Alzheimer-Statistics-that-Everyone-should-Know.html alzheimers statistics, treatment, caregiving, and support resources, please visit alzheimersdiseasetips.com alzheimersdiseasetips.com for helpful tips. Be sure to read the article on alzheimersdiseasetips.com/Advances-in-Early-Alzheimers-Detection.html alzheimers disease early symptom detection.

Wednesday, April 17, 2013

Buyer Agents Vs Seller Agents: What's The Difference And Should I Care?

Are you unsure of what type of real estate agent to use when you are selling your home and/or buying a new home? Understanding the function of a real estate agent and what their relationship to you as a seller or buyer is tremendously important. For a first time home buyer or seller you should be aware of some facts, and clear out the cobwebs of confusion on the responsibilities and duties of a real estate agent.

Real estate agents, depending on the state in which you live, may only be allowed to act only as a seller's or buyer's agent. In many instances however a real estate agent may take on a dual role of representing both the seller and buyer. This type of agent is known as a dual agent. In other words they have a duty to sell the home for the best possible price for the seller, and at the same time are committed to get the best asking price for a buyer. This can be a somewhat upsetting for many people, but the best defense is being in the know about the legal and moral responsibilities associated with a real estate agent's dual agency representation, and how you can feel positive about working with them.

In most states real estate agents are legally required to state which party they are working for. Most of the time real estate agents work for the individuals that are selling a home. Make sure to ask, if you are unclear so to alleviate any nervousness on your part. Always presume that any real estate agent is working for a firm that represents both a seller and a buyer, and if you are a buyer, make sure to keep to yourself any information that may affect any deals that are offered for your purchase of a house. Buyer's agents have a loyalty only to the buyer. This is established by a signing of a contractual agreement between both the agent and the buyer. The buyer should be aware that agents are held to a legal and moral obligation to not reveal any personal facts not only to the home seller, but to the real estate agent. Material disclosure is allowable though about the property, such as any known pest infestations, or problems with the structure itself. A dual agency for a real estate agent is usually understood for them if they represent a buyer; make sure to check into the real estate agent's status for your own serenity. Nonetheless, contract protection is afforded for anyone that is interested in purchasing a property through an agent that represents a seller's interest by signing a contract to represent both.

If you are selling your home and you will be searching to buy a home in the same area you need to expect a reasonable amount of service from the real estate agent that represents you. The agent's goal should be to fully represent your best interests. Your agent needs to clearly inform you if they will require you to sign an exclusive contract. This legally binding contract will require you to work with that agent only. You should always search around for an agent that will allow you to have other realtors working on your behalf to locate a new home for you. All agents should work diligently to help you sell your home by providing comparisons studies of the properties in your area, to handle any inspections or appraisals, and to work with your mortgage lender and in the loan application process. He or she should be more than willing to consider and respect your wishes when scheduling an open house for either other agents or for the general public. Agents should always be courteous about appointment times to meet with you, and should always leave a cell phone in case of unexpected issues surrounding the sale of your home. Your buyer's agent should clearly explain all aspects of the contract to you. Issues such as contract compensation and their exact fees for selling your home, along with other important details such as how long you must list your home with them should be covered in a written contract. Never take their word for it. Get everything in writing. Be careful, verbal contracts, maybe legally binding.

Buying or selling a home should be a pleasant experience. Selling and buying is a serious decision that can influence your financial and emotional well being for years to come - consequences of how informed you are will be long lasting, many years after you have left the bargaining table.








Matthew McDonough is a real estate investor and a former real estate agent in New York. He owns property throughout the USA. He wants to share is knowledge and operates the website InsideRealEstateInfo.com Inside Real Estate Info

How to Create Multiple Revenue Streams for Your Home Business

For a first time business owner, the Internet is like a treasure island...it can be a great adventure exploring new ways to make money. Sure, setting up a website can be great fun but if you want your online business to make you money, you'd have to think beyond just selling a product or a service. Whether you have integrated your offline business with an online one or whether you are a pure 'webpreneur', the key to boosting profits is in diversification or generating multiple revenue streams.

WHY DO IT

In the new entrepreneurial era where most businesses are aligned to the World Wide Web, a smart wealth building strategy is diversification. With multiple revenue streams you not only avoid putting all your eggs in one basket but also create several sources of income so that when there is a slump in one the other one is still around to keep the cash flow healthy. When you offer a host of related and complimentary products and services to customers you are offering them more value and opportunities for repeat business. Not only that diversifying also means you spread out your risks and minimize the cost of marketing and acquiring new customers. Offering multiple products and services gives your business a challenge and the friction required to keep moving ahead.

Last but not the least, creating a multifaceted business is also good for the creative spirit of the owner

GETTING THERE

Let's start with an example. Say you are a small business owner-manufacturing pet grooming tools. You set up a great website to offer your products online to an existing and potential base of customers but want to expand your sales and maximise profits. Diversifying into related product and service fields is just the idea for you. Here are some thoughts to get you started:

1. Sell your own products: you can sell your own product (pet grooming tools), earning the largest profit margin. This should be your main source of income, so make sure you focus on this first.

2. Sell related services: You could also sell a service that complements your products or that your customers might need before or after using your product. Your pet grooming tools sales site, for example, could offer grooming service and consultation with professional pet care providers.

3. Drop ship products: Next, you could find products available to drop ship that complement your main product. Maybe your new pet grooming tool owners will need other items for their pets. Find a drop shipper that offers leashes, collars, food bowls and pet toys and arrange to offer those products for sale on your site.

4. Recommend affiliate products: Why not recommend affiliate products that your customers will be interested in? You could set up a "Pet care Resources" page on your site and use it to promote affiliate products related to pets and pet grooming, such as books or magazines about pet care, dog food, expert advice on pet care, an "ask the vet" button or just about anything else pet owners would be interested in. (Remember, though, keep your focus and avoid turning this page into a general flea market or you'll end up losing traffic.)

5. Sell ad space: Try selling ad space to advertisers who are interested in your target market. A site that sells specialized pet services like a kennel or a pet hostel might be interested in advertising to pet owners since it is usually a big question for a family going on a vacation to leave their pet in safe hands.

6. Create a joint venture with like-minded businesses: Another option would be to create a joint venture with other businesses. Align your services with, say, a dog-training agency. You could set up an arrangement where you earn a portion of the profits on any sales you send his way. Then, write a quick e-mail promotion about his service and send it to all of your customers who live in his area.

7. Start an affiliate program: Finally, start an affiliate program to promote your site. You could do all your selling yourself... but why would you? Think about it--you boost your visibility when your affiliates start publicizing your site, you gain credibility with your affiliates' customers, and you simply make more sales!

You can get some more ideas at: developers.evrsoft.com/article/web-development/miscellaneous/how-to-leverage-your-curr.shtml developers.evrsoft.com/article/web-development/miscellaneous/how-to-leverage-your-curr.shtml

This is not all. You can pull additional sales from existing customers by investing in customer relationship management and data mining. Data mining systems allow companies to target a broad range of customers with common buying characteristics as well as narrow the target down to individual customers. Targeted e-mail, for instance is more effective than broadcast email. Companies such as Amazon.com do a great job of suggesting choices based on past product purchases.

Another major source of new revenue for an online company is "Digital Content". Digital content is basically kind of information that can be downloaded by the user for a certain fee. Digital content ranges from music, movies, photographs, news and information, interactive multiplayer games, books magazines and almost anything else that can be digitised. Revenues may come from pay per use of subscription or purchase for downloads.

For an imaginative business owner the possibilities for creating new revenue streams are limitless. Diversifying is great; diversifying is fun, but a word of caution here. You must make extra sure that your revenue channels are complimentary to each other and that you never, never forget your core customer base. These were the first people to buy from you and these are the ones who are still most likely to come back with repeat orders.

Generating multiple revenue streams is the most logical solution to turning your online investments into a profitable and sustainable business. Let your imagination run lose, plan in detail and be prepared to work real hard; having 3 sources of income compared to one never hurt anybody!

Also see: powerhomebiz.com/vol116/revenue.htm powerhomebiz.com/vol116/revenue.htm








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Foster Children Do Better At Home

If you love a child in need of care, you should take note of a new study on the long term results of foster care.

Many foster families provide excellent care. Nonetheless, a new study concludes that children on the margins of needing intervention tend to have better outcomes when they remain at home, especially for older children. Children who are removed from their homes face higher delinquency rates, teen birth rates and lower earnings.

These results add credence to recent efforts to keep children in their own families. Even when their families are marginal, their children fare better in their own home instead of in foster homes.

Over 2 million children are investigated for abuse and neglect in the United States each year. About half of those are found to have been abused. Approximately 10 percent of the abused children are removed from their families.

Currently over 500,000 children reside in foster homes. About 60 percent of those return home; 15 percent are adopted; and the remainder age out of the system when they turn 18. The average amount of time spent in foster care is about two years.

Abused children are three times more likely to die in childhood, with about 1,400 child deaths each year attributed to child abuse. Children withdrawn from their families are more likely to commit crimes, drop out of school, join welfare, abuse drugs and alcohol, and become homeless.

Nearly 20 percent of young prison inmates and 28 percent of homeless individuals spent some of their youth in the foster system. Of children who turn 18 years old while in the system, two thirds of the boys and half of the girls had a history of delinquency.

Federal and state laws encourage preserving children in their own families. Before removing a child from a family home, the state must prove that reasonable efforts to prevent the removal were tried and failed. They also must prove that leaving the child in the family's home would be contrary to the child's welfare.

However, in practice many children are removed from their family homes anyway.

The research by MIT economics professor Joseph J. Doyle studied 15,000 children who had been reported for abuse and neglect. The study did not include children who were subject to drug use or severe physical or sexual abuse. Those children would have required removal from their families regardless of its trauma. For the remainder of the children, the ones who stayed in their own families did better in their adult lives than the children placed in foster care.

We help our clients recover their children from foster care by lobbying the social service agencies before we get to court. We have found that intense out of court advocacy succeeds better than courtroom tactics alone. Combining sophisticated advocacy both in and out of court helps children avoid the long term negatives associated with the child welfare system.

We have also found success in preventing foster care in the first place by using guardianships and other private actions.

If you need to rescue a child from foster care, you need to act promptly. Contact an attorney licensed in the court that has jurisdiction over custody of your child.

Copyright 2007 Scott Wasserman








Scott Wasserman is a graduate of Harvard Law School with more than 22 years of legal experience. His law practice focuses entirely on the rights of children and the adults who love them. He may be reached through his web site at yourchild1st.com yourchild1st.com

Return to Work With Confidence

5 Key obstacles Stay-at-home Moms need to overcome to compete in today's job market. When stay-at-home Moms begin job searching after for five, ten, or more years of being at home, they often find themselves lacking the confidence and sometimes the skills needed to land the type of job they'd like to have. I call this "The Gap".

We've spent the past 2 years interviewing hiring managers, recruiters and HR professionals to define this gap, and find out what areas stay-at home Moms most need to address in order to compete in today's job market.

The feedback has been remarkably consistent! Here's what they want to see:

1. The Resume:

Time at home with family should not be reflected by a void on a resume. You've certainly done whole heck of a lot more than nothing!

Highlight your volunteer activities and identify all relevant, transferable skills you've learned and utilized.

For instance: If you served on a board, include your leadership and management skills! If you managed any projects, highlight the skills you used to get the job done! If you raised funds, this is selling / marketing experience! Most of the time, participation in groups includes process optimization, team building, etc. Be sure to include any numbers that demonstrate the results you obtained.

Bottom line: Do not undervalue or "pass over" what you've been doing, even if you weren't getting paid for it. The hiring Managers are open to time out of the workforce, but they do want to see what you have been doing. Remember, the resume is designed to get you the interview. It is the interview that can get you the job- so make sure to keep the resume concise and easy to scan in 30-45 seconds.

2. Computer Skills:

It's unanimous. Every single hiring manager we interviewed cited computer skills as a showstopper to gainful employment and critical to competing in today's job market. Even career and college classes require you to have computer capabilities now, including Microsoft PowerPoint, Word and some Excel.

Be careful not to underestimate how much there is to be learned! Some light internet and email use is not enough in the business world.

Not sure where to start? Take a benchmark test to see where you stand. Employment/ staffing agencies can provide these. They also provide "brush-up" tutorials. The Microsoft website has a library of tutorials, and most local adult Ed programs also offer courses to get you started.

Become comfortable with the basics and then research industry or job-specific requirements. You can use O*Net to look up careers and learn what industry-specific skills and software program knowledge are preferred. online.onetcenter.org (online.onetcenter.org online.onetcenter.org)

Bottom line: You don't need to be an expert, but you do need to know your way around the computer and some basic software programs. So invest in yourself and remember that employers are open to offering some industry-specific training.

3. Professional image:

Candidates who have been cleaning the house, driving carpools, and making lunches and dinners for years need to throw out the sweats and t-shirts and update their hair and wardrobe to reflect a new professional image!

Take this time to "re-invent" yourself, it can be fun! Go get fitted for a good bra. Update your hairstyle. (Make sure your hair color and makeup look natural!)

Buy a few interview suits that can be mixed/ matched later for less formal use, and have them tailored so they fit you well.

Remember to keep your accessories toned down because you want them to hear what you're saying, not what you're wearing. If this seems daunting, then get help from someone who knows how to dress for interviews and for life in your new chosen profession.

Bottom line: Your appearance is extremely important! It demonstrates your level of professionalism and commitment. It either says "executive", or not. Invest in your appearance and you'll feel great!

4. Interview Skills:

Of course I could write volumes on this topic, and many people have! So I'll include some of the basics that hiring managers want to see:

o You've researched the Company: You know what properties of the company appeal to you and why you want to work for them. Demonstrate that you have some understanding of their industry. Research the competition too. What are the industry hot buttons? Where is this company going? What is their culture?

o You've made an effort to learn some of the industry-specific language: Every industry has is "language". Read up to at least understand standard phrases and terms.

o Be Real! Remember that the person on the other side of the desk would LOVE nothing more than for you to be "the one" so that they can move on to their next task! Seeming nervous or "manufactured" just makes it difficult for them to figure out whether or not you're a good fit for the job in question.

So, be yourself. If it's not a good fit, then simply move on and remember that it's not personal. Also remember that you are interviewing them as well, to make sure that their work environment is one that you'll be happy and able to thrive in.

Bottom line: Interviewing takes practice. Get out there and learn! Make every interview an interesting conversation, not an interrogation. Take every interview opportunity you can. If you're open, you're bound to learn something from each interview experience!

5. Confidence:

This is not something you can buy or obtain easily. It comes from a process of introspection, clarity of who you are now in your life, what your needs are, and where you want to go- and it takes time and work to develop! So, be patient with yourself.

Potential employers do want to see that you believe in the value you can bring to their organization and to the job you're interviewing for.

Practice articulating your value and goals: Women in particular often need improvement when it comes to talking about themselves and their skills. Learn to effectively market your skills to your chosen profession. Practice!

Be clear on what type of work culture is best for you. Remember, it's not about getting any job; it's about getting the right job in an environment where you'll be successful and happy.

Remember that most companies know that stay-at-home Moms may be lacking in some areas, however there are other areas where they will outshine their counterparts. While raising children parents quickly mature. They learn professionalism, commitment, patience and organizational skills. They also learn to multi-task and keep cool during highly emotional situations.

Bottom line: Every individual has special talents and strengths. You are valuable! If you package yourself properly, and focus on finding the "right fit", you will find success!








Linda Waters is a wife, mother, career coach, and the founder of Back to Business LLC. Back to Business, located in Franklin, Massachusetts, provides a full range of services for women preparing to return to work or seeking a better professional "fit" and more fulfilling career. For more information refer to backtobusiness.org backtobusiness.org