Saturday, May 4, 2013

The Grant Game - Getting it Free For Home Business

Depending on what kind of business you're planning to start, you might be able to get a home business grant money for free. These grants are usually government-issued. They are, effectively, 'free money' - as long as you use the money for what you say you're going to use it for, you don't ever have to pay it back. There are some paperwork, registration forms work at home, business.educationeasy.net business plan, etc. Even if you don't think you would qualify for anything, you might be able to modify your business.educationeasy.net business plan subtly so that you do.

Why Would They Do That?

The money is designed to encourage specific kinds of home businesses - it will always be given to you for a very specific purpose. Also, grants almost never cover the full amount of whatever it is you want to do, leaving you to make up the rest yourself. Note that not all grants come from the government -- some are given out by charities trying to further a cause, or by local community organisations.

Areas commonly covered by grants include businesses that are exporting (every government wants exports to be more than imports), businesses that will provide training to their employees, businesses that are doing useful research and businesses that are providing services and jobs in places that are candidates for 'regeneration'. You may also be able to find extra support for environmentally-friendly businesses, and if you're a woman or a member of an ethnic minority then that could qualify you for a grant too.

Training Grants.

Grants for training are some of the best ones out there -- if you're planning to have any staff, you should really look into them. Basically, you get a grant towards the cost of sending some of your employees on a training course. This is good for you, as you can train your employees more cheaply, and they'll do a better job afterwards. It's good for them, as they learn new skills or improve the ones they have and improve their career prospects for the future. Finally, at least in theory, it's good for the economy, as there will be a greater diversity of skills available in the job market.

Research Grants.

If your business is trying to solve a problem or develop an invention, you might be eligible for a research grant. This can be especially helpful for covering the costs of things like patent applications. Watch out, though -- application for research grants is some of the fiercest out there.

Location, Location, Location.

Whatever kind of grant you're going for, the biggest factor in whether you get it will probably be where you're based. Grants tend to be locally-focused, and especially targeted in areas that are deemed to have a lacking economy. Since you're a home business, you might even find it worth researching what is available in each area, and moving home strategically.

It's Hard to Get a Grant.

Beware of anyone who makes grants look easy. There are all sorts of 'grant agencies' who want to take a fee, and 'guarantee' that they'll get you a grant. They won't - as with almost all things like this, never pay up front. However tempting their offer might seem, you should be applying for the grants yourself, by filling some registration forms work at home. This will generally involve submitting your business.educationeasy.net business plan plus a letter of about 1,000 words saying why you should get the grant in question -- you can't really use the same letter for each grant. Pick what you apply for carefully, as it's a waste of time to apply when you don't meet the criteria properly.

If you want to make sure you're applying correctly, the best thing to do is to phone up the organisation offering the grant -- they'll usually be eager to offer help and advice. Still, don't be upset if you don't get chosen, as it might just be that there were more qualifying candidates than there was money.

Other Benefits.

Any grant you get is likely to bring you to the attention of some kind of agency or organisation who want to help you in other ways too. They might help you get onto courses if you're lacking any business skills, or even provide a mentor to guide you. You might think it all sounds a little silly, but believe me, when you run a home business you need all the free help and grant money you can get.








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Straightforward Senior Care

As Mom and Dad age, the reality hits that they may need senior care. Determining what type of senior care they may require is often a good place to begin. Are they still somewhat independent, but just need help with cleaning and shopping or are they in need of more care? Areas to look at could be their physical health, any changes in hygiene, trouble with finances, trouble keeping track of medication, insurance, or bill paying. Are they able to keep up with their daily living activities such as cooking? Ask them if they are they getting enough to eat? How are they getting to the store and getting groceries home? Has it gotten harder to get around during inclement weather? These are simple tools that will help to facilitate important discussions concerning their senior care and safety.

If you aren´t sure just what type of care is available or needed, you may want to consult with a geriatric care manager. These support professionals offer adult children trying to find care for their elderly parents screen, hire and then oversee in home help for older adults. These senior care professionals are sometimes expensive, so families may also look to local Agencies on Aging for resources in their area as well.

Senior Care Services

The Internet offers many websites to explore care services. The Eldercare Locator is a free service provided by the U.S. Administration on Aging. Here you can find local senior happinesslifetime.com care agencies throughout the United States by entering either your city, county or zip code into their database. I used my zip code and my County and State Department of Aging website´s came up immediately. At their site I was able to access a Service Directory, A Library, Assistive Devices, Links to other Local, State and National sites and Legislative Links. They also offer a special section that addresses senior care and caregiving issues.

If your loved one needs round the clock care, you can use Medicare´s new Nursing Home Compare tool to assist you in finding a good facility.

Perhaps it is just time to downsize to help them maintain their independence? No matter what the individual situation, it never hurts to put yourself in their shoes before proceeding. Growing old may have its challenges, but taking the steps to look at the situation through their eyes most often gives the caregiver a good vantage point and the ability to provide not only senior care, but a good dose of dignity as well.








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Do You Need A Maternity Nurse?

If you've determined there's enough money in your budget for a baby nurse (they don't come cheap), you'll need to consider several other factors before deciding whether or not to hire one. Here are some reasons why you might opt for the help:

o To get some hands-on training in baby care. If you haven't had experience or taken a parenting class and feel you'd rather not learn from the mistakes you make on the job and on your baby, a good baby nurse will be able to instruct in such basics as bathing, burping, changing nappies and even breastfeeding. If this is your reason for hiring a nurse, however, be sure that the person you hire is as interested in teaching as you are in learning. Some won't tolerate novice parents peeping over their shoulders; one with such a dictatorial take-charge attitude can leave you as inexperienced and unsure when she departs as you were when she arrived.
o To avoid getting up in the middle of the night for feedings. If you're formula feeding and would rather sleep through the night, at least in the early weeks of postpartum fatigue, a baby nurse, on duty twenty-four hours a day or hired just for nights, can take over or share this feeding responsibility with you and your spouse.
o To spend more time with an older child. Some parents hire a baby nurse so that they can be more available to their older children, and hopefully spare them the pangs of jealousy that are often provoked by new arrivals. Such a nurse might be hired to work just a few hours a day during the time you want to spend with your older child. If this is your major reason for hiring a nurse, however, keep in mind that her presence will probably serve only to postpone feelings of sibling jealousy.
o To give yourself a chance to recuperate after a Caesarean or difficult vaginal birth. Since you probably won't know if you're going to have a difficult time before hand, it's not a bad idea to do some scouting around for nurses in advance, just in case. If you have the name of a potential nurse or two, or at least have spoken to an agency, you can call shortly after you deliver and have a helper hired before you get home.

On the other hand, a baby nurse may not be the best solution to your postpartum needs if:

o You're breastfeeding. Since a nurse can't feed a nursing newborn, and feeding is one of the most time-consuming tasks in the care of a young baby, she may not prove to be all that helpful. For the nursing mother, household help - someone to cook,clean and do laundry -- is probably a wiser investment, unless you can find a nurse who will do these chores and also offer breastfeeding tips.
o You're not comfortable with a stranger living in your home. If the idea of having a non-family member sharing your bathroom, your kitchen and your table twenty-four hours a day makes you uneasy, hire a part-time nurse rather than a live-in, or opt for one of the other sources of help.
o You'd rather do it yourself. If you want to be the one to give the first bath, catch sight of the first smile (even if they say it's only gas), soothe your baby through the first bout of crying (even if it's at 2 am), don't hire a nurse, hire household help to free you up for fun with baby.
o Dad would rather do it, too. If you and your spouse are planning to share baby care, a nurse may get in the way. There may also not be much left for her to do - except to collect her paycheque - especially if dad's around full-time while he's enjoying paternity leave. In that case, the money could probably be more sensibly spent on cleaning help.

If you decide that a baby nurse is right for you, the best way to go about finding one is to ask for recommendations from friends who've used one. Be sure to find out if the nurse in question has the qualifications and qualities you're looking for. Some cook, some don't. Some will do light housework and laundry, others won't. Some are gentle, motherly women who will nurture your innate mothering ability and leave you feeling more confident; others are bossy cold and patronizing and will leave you feeling totally inadequate. Many are qualified nurses: some have also been trained specifically in caring for mother as well as baby, in mother-child relations, and in teaching breastfeeding and child-care basics. A personal interview is extremely important, since it's the only way to know whether you are going to feel comfortable with a particular candidate. But excellent references ( do check them out) are a must. A nurse hired through an agency should be registered. It's also very important that a nurse - or anyone else you hire who may come in contact with the baby - has been screened for TB. She should also be trained in CPR and child safety, as well as be up-to-date on baby-care practices (putting baby to sleep face up; keeping toys, pillows and blankets out of the cot. and so on)








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When to Consider a Geriatric Care Manager

Caring for an elderly loved one can be confusing, frustrating and overwhelming. There are many emotional pulls and no single easy solution to any situation you may be facing. Even if you feel you are moving in the right direction, other family members and/or friends may disagree on a route or decision even as a situation moves into a crisis mode.

Ask Yourself: How do you choose the best form of long-term care, the right living situation? How do you find the time to make phone calls, contact government agencies and visit alternative living facilities? How do you know which local facilities have a good reputation and whether they might be a good match for your loved one? Where Do I Begin? We have all been novices in learning a new craft or job, or in moving into a new phase of our lives. Like those skills, the many aspects of caring for an elderly loved one can be learned. You may be thinking Well, I am learning how and feel fine making decisions, and I am coping, if that is the case, great and kudos to you. Others of you read the above questions and think, Yikes! Help me, and fast! I could figure this all out, but I would rather not. Let someone else give me a hand. If these responses sound like you, consider calling in a geriatric care manager to work with and guide you. And those of you in the first group might consider a consultation to help determine if there are other angles or aspects of the situation you are involved in that could be considered.

What Can a Care Manager Do For Me? A helpful care manager acts as a consultant, problem-solver, and advocate. She will meet with you and your loved one and sensitively and thoroughly assess his or her overall situation. She will look at the whole person, addressing quality-of-life concerns as well as practical considerations. She will then develop a plan that will enable you to choose the optimal form of care, and make the necessary contacts for you. She can arrange for care at home or accompany you as you visit nursing homes and assisted living facilities and arrange for placement. A good care manager will coordinate your loved ones care and act as a liaison with family, friends and health care providers, now and in the future. She also provides counseling and support for you and the family, as well as for your loved one, as you deal with these difficult and stressful transitions. A good geriatric care manager will be there for you and your loved one every step of the way, helping to make your lives as stress-free as possible, while ensuring the best and highest quality of life possible at all times.








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Need a Mortgage Loan Soon But Scared of a Bad Credit Report or Score?

Challenges are part of everyday life as they help us realize where we've been failing or not doing too well and make necessary improvements or adjustments. Fortunately, the same thing goes for credit reports as you do not need to be a rocket scientist to get it right and fixed. Remember that the importance of a good file is determined by how much of a loan it can get you when you apply for a mortgage and at very good terms too.

Though it is important for you to look out for other factors that come into play in the loan approval process, which are used by lenders to assess whether you're the right person they can trust with funds. Many have been trusted but failed to honor agreements. Your employment status, income level and how long you've been in employed are some of the factors that mortgage lenders want to know as prerequisites for granting your request.

The credit file and score is a major factor in this assessment process also as it typifies your financial life and how responsible you handle funds entrusted in your care for projects. Planning to buy a house is a project in itself, therefore you should make immediate steps to get rid of any bad accounts that are found on your file. But first, get your file and know what needs to be deleted and how many points you think you can add to your score within the next few weeks.

Disputing negative accounts on your file with the bureaus will help you remove them. You have to learn the dispute process which is also used by repair experts and agencies. Getting a restoration kit will teach you just how to do it. Bad accounts such as collections, late payments, foreclosures, bankruptcies, etc, can be removed so long as it is done very well.

Credit repair agencies have the expertise in this area and you can also use a self-help approach to do-it-yourself.








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CNA Salaries

With a host of different positives associated with the certified nursing assistant role (i.e. a wealth of CNA jobs, flexibility in working environments, the rewarding experience of helping out another person in need of assistance, the salary that can be made as a CNA, etc.) it's easy to see why CNAs are a growing demand for many job seekers today. With an average salary of $30,000 in the U.S., it's a great and highly accessible way to start a career in the health care industry.

If an average starting salary between $11/hour and $14/hour sounds good to you, searching for a local provider for CNA training might be a good choice. Expect to train in a CNA program for at least 2 weeks, and probably longer depending on where your CNA training takes place. Red Cross's CNA training program will last just under 3 months, and community colleges are similar in length. Some health care organizations will offer an accelerated course for those already familiar with the training required of a CNA, such as an unlicensed home care provider (for instance a person that has taken care of their elderly parents at home for a number of years).

Determining the specific salary figures of a CNA can be tricky, as many different variables will factor into potential salaries. Variables such as the certified nursing assistant's level of experience, their chosen working environment, the specific geographic location of their job, and many other factors will either increase or decrease the expected earnings for CNAs. A good example of this variance is how a typical CNA working in New York will have about an 8% higher salary than a similarly-trained CNA in West Virginia. This works out due to the disparate levels in cost of living figures, as it's generally more expensive living in New York than any other state in the world, and likewise the CNAs can expect to be paid a higher salary compared to other state CNAs.

CNA's salaries are also determined by the nature of their position as well. If a CNA is getting hired to work in a hospital, it will carry a higher level of responsibility, and a higher salary, than those who are working in a private home environment or nursing home. With a position based in the Intensive Care Unit (ICU) of a hospital, the higher wages will be combined with higher responsibility (as these are all high-risk patients that the CNA is working with) and higher stress as a result.

As with most jobs, the CNA's pay rate will be commensurate with experience, and the more years of real hands-on work that a CNA adds to their resume gives them the leverage to command higher hourly wages. Due to the nature of some of the more stressful job duties (i.e. bathing elderly individuals every day, cleaning up after their bowel movement accidents, the emotional drain some of them make on CNAs, etc.) there is a high turn-over rate. For this reason, CNAs with many years of experience are rare, and in high demand (to help train other new CNAs that are hired) and the job market is always healthy and eager to welcome new CNAs into the fold for however long they can last!

CNAs also receive generous health care benefits, especially if they work in a hospital or health care organization. Many CNAs that work through a nursing agency aren't eligible for these benefits, so it is another reason to try to look for a better salary and position once you have a few years of experience working as a CNA. Due to the aforementioned high turn-over rate, and the fact that the percentage of elderly citizens in this country will continue to grow as the world population soars year over year, the CNA is a virtually recession-proof job and the field is expected to grow by 28% in 2016.








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Friday, May 3, 2013

How to Care For a Newly Adopted Dog With a Background of Abuse

Choosing to forgo purchasing a new puppy for a grown dog at a shelter or rescue agency is a commendable decision that new pet owners can feel good about making. But owners should realize that many of these pets have backgrounds that involve serious abuse and, as a result, may have a number of serious behavioral problems that will need to be addressed.

Steps to Take After Bringing Your New Pet Home

The most vital period for new pets is the first few weeks in a new home. This adjustment period is difficult for any animal-even healthy puppies-but it is particularly critical to provide gentle care for abused dogs during this time. Keep the following things in mind before you bring your new shelter dog home:


NEVER push the dog to do anything during this period. The dog may hide in a dark corner of the house for a long period after bringing it home. Just allow the dog to come out when it feels it is safe. Eventually it will and the bonding between you and your new pet will be all the stronger for waiting.
Keep the dog in the house--when you get a new pet it is difficult to resist the urge not to take it all over the place. After all, dog parks and lakes are great fun for both dog and owner. But this period should be as peaceful as possible. The dog should be exposed to very little outside stimuli besides your careful attention.
Keep the dog away from other dogs and people--when you first get a dog from a shelter, you do not know how it will react when exposed to other dogs and even friends.

If you are patient, an abused dog can become a very loving and grateful pet.








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Retaining Your Nurses in the Hospitals

There are so many nursing opportunities that nurses have which cause them to leave their current jobs in the hospital. This results to a higher demand of nurses in the hospital. The number one problem then becomes how do hospitals retain the number of nurses that they have.

There are certain things that nurses want and need which have to be supplied by the hospitals for them to stay there. Usually, nurses do stay because of the staff which takes care of them. The way they are treated by their head nurse is an important factor to make them stay in the hospital. Those who enjoy a close relationship with the head nurse and other nurses choose to stay with them and work.

You need to have a good working environment for your nurses. They need to feel comfortable in the space that you give them in their work. A professional environment as well as a comfortable one is needed by the nurses to be able to do their job well. They will have their own way of coping up in staying in your hospital, but you as the administration, need to do your part as well.

You need to remember to always take care of the nurses, not just the older ones, but also the new ones. Build a team where there is a mix between the new nurses and the older ones. They can learn things from each other and relieve any tension that they may feel. This can be effective because if nurses feel the fulfilment in their job, then they may choose to stay instead of leaving. Their goal is to work together and do not let anyone in the team go. This will already build strong relationship which is good if they choose to stay in the hospital.

Hospitals should be lenient when they do take care of their nursing staff. It is not all about work. Hospitals should show that they do care about the personal lives of their nurses. They should provide insurance for the nurses whether personal or for the family. These are benefits that will make nurses feel that they are blessed to work in your hospital. Also, allow them to go on leaves to attend to personal matters. There are nurses who may abuse leaves so you might want to just have a certain number which is not too unfair. Also, consider nurses who are the breadwinners of the family or even those who have children. Of course, there will be times when they will need to be absent for work, so make sure that you give them the time that they can give to their families.

The problem on the lack of nurses can be solved. It is not much of a problem if you think of it. It is just the way you deal with it. You need to resort to some ways which will make them stay. It is not all about doing your job, but it is all about catering to the need of your nurses too.








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Four Essential Rules for Being a Good Caregiver

The decision to become a caregiver to your loved one is not an easy decision. Once made, you may not know quite where to begin. It can be a very difficult and challenging task, especially if the individual is handicapped. You may also be concerned that you will not be up to the task, and that you will make too many mistakes. However, there are many things you can do to ensure your success. The following guidelines will ensure that you are the best caregiver you can possibly be to your loved one.

Independence

Make sure that your loved one is not being too lazy, getting no privacy, or is feeling overly assisted. While you are there to help them, you want them to be able to do as much on their own as possible. This will cut down on feelings of resentment toward you for having to take them in, which generally occur with elderly that are used to their own homes. It will also cut down on the chance and occurrence of depression symptoms, as those who can do more for themselves feel better about themselves naturally.

Additionally, privacy is a big issue, and should be given whenever possible. It is helpful if you set up your home to allow for as much privacy as possible. Make the door to their room easy to close and open, and give them their own telephone with large buttons that they can use themselves. You should also make sure that they have their own bathroom, or that you alter your bathroom to allow for their use. This may mean anything from adding grab bars to installing a shower seat. This way they can do private things in private and on their own, causing less strain on your relationship.

Care for Yourself

Don't forget to care for yourself and take time out for doing your own thing. You need your independence and privacy also. If you don't get it, you can come to resent your charge and wind up forgetting why you are doing this in the first place, leading to putting your loved one in a home that you were trying to avoid in the first place. Take time out to go out with friends, keep up with a hobby, or just go read a book at the park. Whatever you need to do to relax and get away, just do it. If your loved one needs constant attention there are caregiver agencies that will happily send over a nurse to sit with your charge for certain times of certain days as needed for a nominal fee.

Be Knowledgeable

Don't think that you know everything about your loved one's condition just because you sat in on a doctor's appointment. Find out exactly what condition your loved one has and what stage they are in. Learn the symptoms of the condition worsening, and find out what symptoms should lead to a call to the doctor or a call to the ambulance. Sometimes symptoms that don't seem important can be to a particular condition. It is important to understand all of these factors. You should also find out what side effects are possible from treatment sessions or medications so that you know what to expect, and what to be concerned about.

Be Companionable

Remember why you are doing this in the first place. You love your family member and do not want to see them in the care of strangers where they might be neglected. Neglect doesn't just mean not getting proper physical care, but mental and emotional care as well. Spend time with your loved one when you are not caring for them by playing a card game or board game, or just sitting around talking about old times. You might be surprised at what you can learn about times gone by, and your charge will feel much more comfortable and happy.








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Florida Home Studies - Frequently Asked Questions

For families beginning the journey to parenthood through adoption, one of the first steps will be to begin the home study process which is an evaluation of their suitability and readiness to adopt. The following is a list of frequently asked questions about the home study process in Florida:

1. How long does it take? Florida law requires at least one visit to the adoptive parent(s)' home and it also requires criminal background checks which can take several weeks to obtain so a home study usually will take at least 4 weeks to complete.

2. Does Florida require that the study be completed by a licensed adoption agency? Florida law does not require that a home study be completed by a licensed agency. Florida regulations require that it be prepared by or reviewed and approved by a licensed social worker; however, it is important to know in an international adoption situation if the foreign country requires a licensed agency to complete the home study.

3. Does a criminal conviction or arrest automatically disqualify the parent from adopting? No. Florida law does not have any law or regulation that automatically disqualifies a potential adoptive parent from adopting based on a criminal history. However, it is critical that the study be prepared by an experienced professional who can properly advise the parent of the necessary steps needed to successfully complete an adoption.

4. Must I report a criminal record that was expunged? Absolutely. It is extremely important to be honest and forthright during the process. Further, it is entirely possible that a record that was expunged will nevertheless show up on the criminal record report.

5. Does Florida law prohibit someone with multiple divorces from adopting? No. Florida law is silent on the issue of how many divorces are acceptable. Florida adoption regulation does require that a potential adoptive parent discuss their divorces and this becomes part of the evaluation of a parent's suitability to adopt.

6. If a family has been approved as foster care parents by the State of Florida, can this be used for an international adoption or domestic private adoption? No. If a family is seeking to adopt either domestically or internationally through a private adoption agency, then a home study must be completed by a licensed social worker or agency.

7. Must a Florida agency or social worker conduct the home study? Yes, if the adoptive parent(s) reside in Florida then it must be completed by a licensed Florida adoption agency or licensed social worker.

8. Does Florida law require that adoptive parents be married? No, single parents may adopt. However, Florida law does not allow gays and lesbians to adopt.

If there are other questions you have about the Florida home study process, you can contact the author for further information.








Candace O'Brien is an attorney and Executive Director of a licensed adoption agency in the State of Florida with over 10 years of adoption experience. For further information visit: adoptintl.com adoptintl.com or adoptamerica411.com adoptamerica411.com

How To Read A Credit Report - Things You Must Know

Good credit score is an asset to have and the way you can get it is to regularly check your credit reports. One must get a copy of credit report from all credit bureaus at least twice in a year. One must also have complete knowledge of how to check the credit report. Quite a number of people still have no idea how to notice the errors in the report. Some people neglect the disputes even after noticing them which causes great trouble afterwards. Disputes must be reported at least twice in a year so as to maintain your credit score as it does reflect how you have been in handling credits.

What is your credit report?

Your credit report is pretty much a summary of your bill and credit payment. It shows credit applications, granted loans, denied credit applications and how much credit (dollar amount) you have available (available credit limits). It also shows your monthly debt payments like mortgage or car loan payments that you make (or fail to make). The credit report also contains your personal information such as your home address and previous address, eventually the employment history, and your Social Security number. Credit accounts such as store credit cards, mortgages, car loans, regular credit cards and bank line of credits are listed. And of course any failure to meet payments or information on defaulted loans will be listed on your credit report (including tax liens and bankruptcy). In most cases, negative credit information will be listed in your credit report for seven years. A bankruptcy situation will be listed on your credit report for ten years that will affect you in case you need a loan. The company can easily reject you as you were unable to pay back the previous bills.

Description Of statement:

In case your credit report [creditscorereportguide.org/Free_Annual_Credit_Report/] is not received directly by you but a third party, then you may not receive any intimations from the company either in written nor by phone. You may also be penalized a bit for this. The two most important and high lighted terms used in a credit report are Prepared For and Attention. One must clearly understand what these terms specify. Prepared for tells for whom the report is made for and Attention column indicates the actual name of the person. Whether the credit report is for an individual or a joint partnership is also clearly mentioned. The credit score is calculated not only keeping in view the current unpaid bills but the complete account history and accordingly they analyze whether their money with you is safe or not and what more can be offered to you.

It is necessary to make a fair amount of ground research before you decide where to get your credit report from. If the report they are providing is free, then it will be subject to some conditions, like you might have to buy some service from the site. Also, there is a chance of some illegal dealing going on. Be very careful when giving out identifiable information, which can cause severe damage. When acquiring your credit report, be sure that you are dealing with a legitimate company, or you will have to face great problems at the end.








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The Most Comprehensive Manager - Responsibilities of the Recreation Director in Long Term Care

All the world's a stage,

And all the men and women merely players:

They have their exits and their entrances;

And one man in his time plays many parts,

William Shakespeare

All the world's a stage (from As You Like It 2/7)

Many activity professionals enter the field of therapeutic activities and recreation to enhance the quality of life and functional status of the individuals they serve. Most activity assistants, aides, coordinators, and therapists spend the majority of the day hands-on with the residents, facilitating one to one and group activities. The interaction between activity professionals and residents is beneficial to both parties. The residents are engaging in meaningful, therapeutic activities that greatly enhances their quality of life and overall functional status. Recreational activities often provide opportunities for self-expression, independence, decision making, coping skills, solace, socialization, improved emotional well-being, self-esteem, a sense of purpose, enhanced physical status, and much more. The activity or recreational professional finds great satisfaction and joy in knowing that they are an instrumental part in enhancing the lives of those they serve. In addition, leisure professionals learn a great deal of knowledge in regards to history, ways of life, culture, social graces, religious beliefs, traditions, and valuable life lessons.

When a person first enters the field of therapeutic activities and recreation, they have to obtain a variety of leisure skills and knowledge ranging from arts and crafts, music, dance, drama, poetry, sports, exercise, word games, cooking, gardening, table games, competitive activities, and more. Most of these individuals have one or two areas that they are particularly interested in and good at, but then have to learn the rules, benefits, strategies, methodologies, and techniques, for each activity provided. Not everyone can sing, but all activity professionals have to be able to lead a music group or a sing-along. Not everyone can cook or bake so they often depend on the residents' guidance and experience. In addition, a great deal of effort and time if often put into planning and preparing a variety of recreational activities by means of communication tools, phone calls, lists, verbal reminders, etc.

Next, activity professionals have to be aware of a variety of diagnosis', illnesses, precautions, contraindications, diets, symptoms, etc. so that the programming can be adapted to meet the clinical needs of each resident. Activity professionals are responsible for assessing, care planning, monitoring and evaluating the residents' responses and involvement in activity programs; therefore they must have quality writing skills.

Activity professionals also play an important role in enhancing the environment through the use of plants, animals, seasonal/holiday decorations, bulletin boards, calendars, personalization of resident rooms, and more. It is a busy day for an activity/recreation professional, but one that is rewarding and gratifying, for the residents are truly appreciative of the activity programs and their established relationship with the activity professionals.

"A new position of responsibility will usually show a man to be a far stronger creature than was supposed."

William James

When an activity assistant or recreation therapist decides to take the next step and become a recreation director, they are faced with many new challenges, responsibilities, and obligations. The role of the recreation director in long term care is one that is multi-faceted and ever-changing. Less time is spent in the implementation aspect of programming and more time on the assessment, planning and evaluation phases. The greatest challenge is being able to balance the responsibilities of being a manager and the intrinsic desire to be with the residents.

Often times, like their interdisciplinary peers, recreation directors are knowledgeable about being a provider of their particular area of service, but less familiar with the responsibilities and skills needed to be an effective manager. The recreation director has to learn how to manage, lead, motivate, empower, train, supervise, recognize, schedule, evaluate, and discipline their employees. The process of performing an employee performance appraisal, providing constructive criticism, meeting with a union representative, or even having to deny a vacation request, is often very difficult for the new manager. Dealing with varying degrees of education, certification, work ethics, skills, and knowledge, as well as conflict resolution, cultural diversity, problem solving, and time management, also serve as obstacles the recreation director must overcome on a daily basis. The new manager must utilize the skills and knowledge they have learned previously, and become a teacher and mentor to the recreation staff, as well as the facility staff

The recreation director should demonstrate effective communication and writing skills. Policies and procedures have to be written in accordance with regulatory agencies, corporate standards, standards of practice, and any other guidelines. Memos, emails, letters, training materials, press releases, reports, medical documentation, etc. should be written clearly, and professionally. Recreation directors also create flyers, posters, and newsletter, as a method of communication. Computer efficiency is a plus!

The recreation director must be an active participant in a variety of scheduled and non-scheduled meetings including: daily morning meetings, monthly department- head meetings, quality assurance meetings, care plan meetings, and various committee meetings such as the fall committee, restraint committee, and so on. Recreation directors are usually not very comfortable spending so much time in meetings because they would prefer to be interacting with the residents. Unfortunately, the reality is that since activities are fundamental to the quality of life and care of the residents, then a representative of the department must be present. The clever recreation director offers the recreation assistants the opportunity to attend care plan conferences, or become members of various committees. This is beneficial for many reasons. First of all, the activity assistants are the ones who know the recreational status of the residents for their unit better than any one else, and their information is instrumental to the care planning process. Secondly, involving the activity assistants in meetings and committees affords them empowerment and learning opportunities. However, there are certain meetings that only the recreation director should attend, such as the department head meeting. Lastly, delegating recreation personnel to attend various meetings, give the recreation director an opportunity to facilitate groups, provide one to one interventions, or catch up on required office time.

Most recreation directors in long term care are also responsible for managing the Volunteer Program. Volunteers are a much needed resource and offer a wide variety of services including: group facilitation, one to one visits, administrative work, fundraising, religious/spiritual support, transporting residents to/from activities, feeding and meal distribution, mail delivery, and special projects. Volunteers require the same orientation, training, supervision, recognition, motivation and support that the Recreation personnel require. Much time is also spent on recruiting volunteers, matching their needs and schedules with the needs and interests of the residents, and providing endless encouragement and appreciation. In addition, creating partnerships with community groups is also an important task of the recreation director. Developing relationships with schools, colleges, universities, churches, clubs, synagogues, and other community program, enhances the activity program even further. Activity professionals are highly acclaimed for their resourcefulness!

Another task usually assigned to the recreation director is that of the Resident Council. A Resident Council is a group of long-term care residents that meet on a regular basis to review services provided by the facility. Resident Council members are encouraged to be as independent as possible, but often request assistance from the facility. The recreation director assists in the formation, implementation, and communication aspects of the meeting. Minutes are taken, typed in a particular format, and distributed to the appropriate department heads for review, who then report back to the council on their plans of correction. In turn, the recreation director becomes a strong advocate for the residents at the monthly meeting and on a daily basis. A tremendous amount of time and effort goes into advocating for the residents, therefore, it is recommended that recreation directors keep a log of resident concerns and actions taken to assist with those concerns.

Recreation directors must posses the ability to multi-task and plan ahead. Each month a calendar of events is created which includes a variety of activities that should be designed in accordance with the residents' care plan, population analysis, and individual interests. A variety of Quality Assurance survey tools and audits may be utilized to collect data to effectively formulate the activity calendar. Many special events requires months of planning and preparation i.e. the ordering of food, scheduling of entertainment, purchasing necessary supplies, equipment, and decorations, assigning tasks, communicating with other disciplines, notifying residents, family, and staff, and, so on. It is amazing how much time and effort goes into planning a one hour event! Recreation directors also lend a hand in developing, and planning daily activities such as cooking programs, arts and crafts, theme days, discussion groups, educational programs and other activities.

Activity professionals are a great resource for the other disciplines as well. Recreation and activity interventions should be found on most resident care plans. Some care plans of special importance include: behavior concerns, pain management, falls, restraints, nutrition, psychosocial, mood, cognitive loss, communication, ADL's, and palliative care. These interventions provide support to many departments such as nursing, social services, food and nutrition, and rehabilitation services. The marketing director may also take advantage of the public relations opportunities of specialized dementia programs, horticultural therapy, music therapy, resident council, intergenerational programs, special events, pet therapy, etc. Finally, recreation directors often coordinate programs with other disciplines, assist in writing grants and press releases, develop marketing tools, and assist in planning, and implementing employee appreciation celebrations.

Recreation directors often have difficulty in balancing their time between residents, managerial duties, and personal life. To be an effective manager, recreation directors must be able to balance all three. Most recreation directors work more than eight hours a day, do not take breaks, lunch, days off, and even bring projects home with them. They feel a sense of guilt for not being able to spend more time with the residents, therefore, overcompensate by working additional hours (without overtime!). Recreation directors need to know it is alright to say "no" sometimes, take personal time, and designate "office time". They will be a better manager for it.

It is apparent that recreation directors, activity professionals, and recreation therapists truly are multi-faceted, talented individuals whose contribution to long term care and the residents is invaluable. The recreation director is the leader of the department that is often referred to as "the heartbeat of the facility". Please take a moment to thank the facility's recreation director and the entire department for their dedication, resourcefulness, and interdisciplinary support. The recreation director truly is the most comprehensive manager in long term care.








The Most Comprehensive Manager:
Responsibilities of the Recreation Director in Long-Term Care
By Kimberly Grandal, CTRS, ACC
Executive Director, Re-Creative Resources, Inc
recreativeresources.com recreativeresources.com

Kimberly Grandal, Founder and Executive Director of Re-Creative Resources, Inc., is a strong advocate for the field of Therapeutic Recreation and Activities, with over fifteen years of experience working with the elderly in numerous management and consultant positions. She is an Activity Consultant Certified and a Certified Therapeutic Recreation Specialist. She is a recipient of the Kessler Institute of Rehabilitation 1997 Triumph of the Human Spirit Award.

Kim is a member of NJAPA, NJ/EPA-TRA and NAAP and serves on the NJAPA board as the Chairperson for the Legislation Committee. She is an NCCAP reviewer and is an active member of the NCCAP and NAAP Government Relation Committees.

Kim is a speaker for various national, state and local activity associations, the Society of Licensed Nursing Home Administrators of NJ, colleges, and community groups. She also provides consultation and support to numerous facilities in the state.

Kim is the editor and writer for the "The Rec-Room", a monthly newsletter published by her company. In addition, she writes monthly articles for Activity Directors Today newsletter, and has contributed articles to Creative Forecasting Magazine, Current Activities in Long Term Care Magazine and The Continuing Care Insite newsletter. For more information visit recreativeresources.com recreativeresources.com

Thursday, May 2, 2013

Internet Home Business - How To Choose A Domain Name For Your Website

A domain name is the web address to your website. When a person writes website name, he is telling the browser to go to an IP address. Everything on the net is searched via domain names.

Your website will become recognition of your business in the coming times. It is important that you choose this name carefully. Here are few things that you should take into consideration when choosing a domain name.

Your domain name should be as relevant to your business as it can be. It is important to remember that the domain can be of any length up to 67 characters. This name may include the 26 letters of the English alphabet, numbers 0-9, and hyphens (-).

The domain name cannot begin or end with a hyphen but can contain one or more hyphens.

Think a list of possible combinations that you might wish to use. This can be achieved by listing words related to your preferred domain name or related to the content of your website.

Suppose you are planning a website on online business tutorials. You would list all the synonyms and acronyms you can think about this business and then produce a combination using letters, numbers and hyphen only. Try to produce combinations which are preferably short, memorable, not easily confused, hard to misspell, relate to your business and convey a message about your business of your business. You can also use long combinations which are easier to remember as in howtwateryourgarden.com.

Let us take few examples

onlinebusinesstutorial

onlinebusinesstutorial2007

internetbusinesstutorial

ibiztutorial

ebusinesstutorial

ibusinesstutorial

ebusinesslesons

ebusinessclassroom

online-business-tutorial

And so on. Create a list of as many words as you can.

Now go to a domain name registrar and check whether your chosen domain name is available. If it is not then you would need to alter and adjust a bit.

It is worthwhile here to mention about extension or top level domains ( TLDs). Thers are many available now and you can choose any of them if you wish. Common TLDs and the type of organizations the names are associated with are listed below

.com commercial business domain

.net commercial network

.org nonprofit organizations

.edu educational institution

.gov government agency

.mil military

.info,.tv and.fm are other types which have surfaced lately. While .info is associated with information, .tv and .fm are actually country specific codes but are popularly used for tv and radio organizations.

Without any doubt .com rules the business world. Most of the business persons prefer to use .com as TLDs rather than settling for .net or .org.

There are reasons for this.

.com domains have an international appeal. They look more credible and are easily remembered. Everybody who uses internet knows and understands .com extensions. All you need to stress upon is first part. I can afford to write Home for Profits instead of homeforprofits.com every time which would not have been possible if the site was .org or.net. You need to stress on the extension as well in that case.

But disadvantage is that most of the good .com domain names have already been taken. You might have to adjust your name against the availability.

If a .com name is available go for it. Otherwise you can settle for other extensions.

If you plan to sell intangible products, do not go for country code extensions. They are more used for services contained in the country itself.

While use of hyphen can help you to find a good domain name and may be advantageous for search engine ranking but your visitors would have difficulty in remembering that hyphen. They often would type the domain name without the hyphen and would go to other site. If you wish to choose, do not hyphenate more than once.

Avoid using 0(zero) until it is a part of some other number like 500 or 1000.

0 ( zero) is often confused with vowel o.

Until and unless you are pressed do not use '2′ or '4′ in place of 'to' or 'four'. People will have difficulty in remembering that.

All said and done, whatever you choose can be made popular and pushed into people's minds by aggressive marketing. But if you stay within the directions proposed, you can use your aggression for building other parts of your business.








Arun Pal Singh is an internet marketer,web author who runs website homeforprofits.com homeforprofits.com to help budding online entrepreneurs with information and ready made products. Visit homeforprofits.com homeforprofits.com to find how his ebooks, softwares, audios, website building material, traffic strategies and training videos and information can provide the leverage that your business needs to grow and expand.

Subscribe to his "Online Business Manual Course" by email. Visit ebizgo.info ebizgo.info now and sign up for free.

Home Health Care vs Assisted Living

Home Health Care in Los Angeles

Home health care is health care that is provided to patients inside their home, and usually by either health care professionals or family and friends. The term "home care" suggests that the care provided is non-medical and more of a custodial nature, whereas "home health care" may suggest licensed staff members. The differences here are similar to the differences between assisted living facilities and nursing homes. Much like assisted living facilities, home health care lets seniors enjoy a good measure of independence. An elderly individual or couple will appreciate having privacy as well as assistance in daily living needs.

What Home Health Care Provides

What kind of services does home health care provide? Home health care may help seniors with daily living needs such as bathing, dressing, house keeping and cooking and dining preparation. Depending on the needs of the resident, there may be special provisions such as transportation services and errands, volunteer programs, exercise and walking, and toileting assistance. More extensive forms of home health care would also provide rehabilitation programs, including visits from physical therapists and nurses. Other qualified home health care professionals may include respiratory nurses, occupational nurses, social workers, mental health workers and physicians.

Who pays for home health care? This type of outside assisted living program can be paid by private resources from the resident or family, by public payers such as Medicare and Medicaid or by employer-sponsored health insurance plans. Medicare will usually not pay for home health care on a long term basis while Medicaid is more likely to help low-income families with little or no assets. Employer-sponsored home health care is likely to be on a short term basis unless the insurance plan is very generous. Most of the time home health care will be paid for by a family's own resources.

Comparing Home Health Care with Assisted Living

How does home health care compare with in-house stays at nursing homes and assisted living facilities? Most seniors would prefer home health care, of course, as people always do value their privacy. However, there are also circumstances that would necessitate constant supervision of the resident at an assisted living facility, and not only occasional visits. Home health care is basically assisted living, but with even more independence. Therefore a resident that cannot be left alone for long periods of time would be better suited in a nursing or board and care type home.

It might appear that home health care would be cheaper than a stay in a nursing home. However, home health care costs can be just as expensive, depending on the number of hours aides work. Some residents have admitted that full time home health care usually costs twice as much as a stay in a board and care or assisted living home. Most home health care agencies will charge about $20.00 an hour or over. If the resident is relatively independent then the fees associated with the service can be controlled. However, don't forget that if your needs are minimal to begin with, you could hire a trusted individual to perform the same tasks and save money from paying an agency fee.

Home health care is ideal for seniors who feel well and can easily get around but who need occasional doctor visits and help with housekeeping. It is also a preferable choice if a senior needs full time care but does not want to become a resident in a public nursing home. Full time home health care provides the most privacy and personal attention possible. If you are looking for this type of senior assistance, you should always be mindful of the qualifications of workers, as opening one's home to a stranger could always be a security risk. The best home health care agencies have screened workers who are well qualified in their field.

How We Can Help You

ElderHomeFinders is a company dedicated to helping seniors locate assistance in the southern California area. We inspect assisted living facilities and retirement communities in the area so that our clients will find the perfect home at a price they can afford. Can ElderHomeFinders also help seniors find home health care? Yes. Our company can put you in touch with the right home health care agency, according to your special needs and budget limitation. We can also advise you on the differences between home health care services and assisted living and board and care facilities and which choice would better work for you. Seniors have worked hard all their life and surely deserve the best health care possible - whether in a senior living facility or in their own home.








Bobbie T.
ElderhomeFinders.com Assisted Living Expert Living in Los Angeles

3 Ways You Can Help Control Your Debt

Many people use credit as a way to make purchases, cover their basis in an emergency, and take family vacations. This of course is ok, but when the debt gets completely out of hand is when one has to be careful and begin to analyze the financial situation. Many people get in over their heads and can not pay back all the credit that they have begin given by creditors. Payments begin to default and the creditors start calling to see why is it that you are not making payments towards the principal amount.

Hard times fall on all people, and you can always use some advice when it comes to your finances. If debt becomes a problem and you begin to get those phone calls from collection agencies, it is time to start changing some things with your finances.

Following are three ways that you can help yourself and begin to consolidate your debt. Many times it just takes a little self discipline and some good advice to get your self out of financial disaster. More importantly, learning how to manage your finances for the long term is the key to financial success. Use these tips to help you make the first steps towards debt consolidation and a clear financial future.

1. Develop a Budget

Developing a budget is the first step toward taking control of your financial situation. A budget requires first to assess you total income from all your sources and total expenses. You can start by determining your fixed expenses that occur every month, such as mortgage payments or rent, car payments, and insurance premiums. You then would want to determine your varying expenses, such as entertainment, recreation, and clothing.

Writing down every expense, even those that seem insignificant such as a latte or sandwich, is a helpful way to track your spending patterns, identify necessary expenses, and prioritize the rest. By doing this, you should be able to see how much you can really afford, without using credit. All your basic needs should be taken care of such as food, housing, insurance and health care.

Check your local library or bookstore to find books that can assist you in financial management. You may find helpful computer software that can help you keep your money organized.

2. Contacting Your Creditors

If you are having trouble making your monthly payments, contact the creditors and let them know what is going on. Don't ever let a letter or phone call from a creditor go unnoticed. This can make it seem like you are avoiding the responsibility, and they may be less likely to work with you. Very often you can renegotiate terms and make payments more manageable so that you are not defaulting on payments. Address the issue quickly so that your account does not go to debt collectors. If you take responsibility for your payments, creditors may work with you so that you are still working to pay off the debt, but just in a more manageable fashion.

3. Managing Your Auto and Home Loans

Always manage your auto and home loans to avoid major problems. Many automobile financing agreements allow a creditor to repossess the car if your payments are in default. If you allow your car to get repossessed, then you may have to pay off the loan, as well as pay for the towing and storage costs, amounting to hundreds of dollars. Your car may even be sold by the creditor.

If you are in fear of default, sell your car or speak to the creditor about your situation. Avoid getting your car repossessed so that your credit report does not get a bad mark on it.

The same goes for your greeneasylife.com mortgage loan. If you fall behind, contact the lender immediately and see if they can reduce or suspend the payments temporarily until you can get back on your feet. You may have to pay additional costs after you resume payments, so be sure you know how much more before you make this decision.

Controlling your debt is a great way to build your credit and make steps toward having a clear financial situation. Try these things first, and see if you can't pay back your debt if you are more organized and disciplined. You can entertain debt consolidation and employ the services of a financial advisor to help you further.








John R Blakefield is a mortgage and real estate specialist. For more information, articles, news, tools and valuable resources on home mortgages or investment loans, refinancing, debt solutions, visit this site: [scourtheweb.com/mortgage].

Some Facts to Know About Home Health Care Nursing

Having a home health care nurse is one of the new concepts in the health industry, which is rapidly picking fame. Through home health care, the patient's privacy is maintained and even the family is released from the hassle of taking the patient to the hospital again and again for routine checkups. Home health care nurse services are best suited for people suffering from fatal illness, permanent or temporary disability, or prolonged health issues.

According to a survey nearly 7 million people require nurses for in home care. Until a couple of years back, nurses were needed only in hospitals, nursing centers, or high class living centers. However, today the need of nurses has taken a 360 degree twist. The nurses are no longer only required in the above stated places, in fact, families having members as patients demand receiving nurse care at their home. The nurses associated with home health care are allowed to practice nursing at homes, only after undergoing academic training.

Families also prefer hiring only those nurses that come with a sufficient amount of qualification and experience of several years. With time, several changes have been made in home health care. Now, a very secure home health care is provided to the families. Today, insurance is provided and proper documentation is also done between the nursing agency and the family. Also, with technological advancement in the medical field, now patients do not need to stay admitted in the hospital for long. They can easily shift home under the care of home heath nursing services.

Home health nurses come with an number of skills.They do not only treat the patients, but they also educate them regarding their illness. Also, they are looked upon to provide emotional support to the patients. From taking care of injured or sick young children, women who have recently given child birth, looking after the elderly, and all other patients suffering chronic diseases, nurses today can be looked upon for nearly every disease, injury, or other kind of treatment. Health care nurses are also capable of taking care of the patient in any particular setting. It is very important for the nurse to have strong communication skills. She should also come with the flexibility to adopt any kind of culture and customs that the family follows. If you are thinking of having a career in home health care nursing, then you should not waste more time and just get into it. The demand for nursing is said to increase by 10% in the coming future.








Darius has been writing online for a while now and has a lot of different interests. You can check out his websites at booskitchenislands.com booskitchenislands.com and usedhockeyequipment.org usedhockeyequipment.org

Credit Crisis: How to Repair Your Credit and Buy a Home

There are three major consumer reporting agencies (CRAs), or credit bureaus, that mortgage companies use to assess a buyer's credit rating: Experian, Equifax and Trans Union. Credit scores typically range from 300 to 850. For home loan purposes, a score of 650 or higher indicates a good credit history and will make it easy for you to secure a mortgage. If your score falls between 620 and 650, your borrowing capability will be examined more closely. And if you rate below 620, you may have a credit crisis.

When you're in the market to buy a home and discover that you have bad credit and your score is low, don't despair. Although it may delay the purchase of your home, there are ways to repair your bad credit rating so that you can still qualify for a home mortgage with a decent interest rate.

To evaluate your credit rating you'll need to obtain copies of your credit reports from the various agencies. Examine them carefully to see what transactions are lowering your score.

A special note about bankruptcies: A bankruptcy can lower your credit score by 200 points or more. Repairing bad credit following a bankruptcy is beyond the scope of this article.

Charge-Offs: Charge-offs appear on your credit report if a creditor has given up trying to collect from you and ends up writing off the amount you owe as a bad debt. Charge-offs are one of the main reasons why loan applicants are denied credit.

How to Repair It: If you have any charge-offs, contact those creditors immediately and make arrangements to pay off the old debt. After a few months of regular payments, or if you repay a charge-off debt in full, submit a written request to that creditor to change the status on your credit reports.

Late Payments: Late payments are handled slightly different depending on whether they are isolated incidents or recurring problems.

How to Repair It: If you have a single late payment here or there listed on your credit report, the best thing to do is contact your creditors by phone to discuss the situation. Follow the conversation with a written request to have the isolated late payments removed from your reports. If you're consistently late with payments, however, repairing the problem is a little more involved. You'll need to begin by setting a pattern of paying on time over several months. Once this positive pattern is established, call your creditors (and follow-up in writing) and let them know that you're back on track. With persistence and patience, you may be able to delete these score-lowering marks.

Reporting Mistakes: Sometimes, creditors just make mistakes when reporting to the bureaus. Other mistakes might include charge disputes that resulted in an initial late payment that was eventually reversed. Unfortunately, it's the individual's responsibility to spot - and repair - reporting mistakes that lead to bad credit.

How to Repair It: Once again, contact your creditor by phone and follow up with a written request that the mistake be corrected. Because the Fair Credit Reporting Act (FCRA) requires that credit agencies and their information providers investigate reports of inaccuracies, you'll also want to contact the CRA directly to report the discrepancy.

As you work on repairing your credit rating, there are other things you can do to improve your score:

Make sure that you pay all of your monthly bills on time
Avoid opening new credit card accounts, including department store cards
Work toward paying down your unsecured debt, but keep accounts open even if you pay them off
Pay cash for the things you need instead of charging them

If, after all your work, you still score below the 620 mark, it doesn't mean that you won't qualify for a home loan. It may mean, however, that your mortgage will take longer to process and the terms and interest rate may not be as good as you were hoping for. Talk to your real estate agent about referrals to high-risk lenders.

Repairing bad credit can take many months to a year or more. But when you're ready to buy a home, you'll be glad you took the time to improve your score - and your mortgage payment will be lower because of your efforts.

Wednesday, May 1, 2013

Credit Repair and the American Dream

A Great Investment

Home ownership has always been considered an integral part of the American Dream. Over the last fifty years those that were able to realize this dream have experienced a great financial benefit. Home ownership, in fact, has contributed more to the wealth of the individual than any other investment. But there is another side to home ownership; it is also the most significant financial obligation that most people will ever undertake. If managed properly home ownership can be a source of great pleasure. If mismanaged, the results can be devastating.

Better Rate More Choice

I have helped people repair and restore their credit reports since 1989. The most common concern amongst our customers has always been the impact that their credit report will have on the mortgage application process. The relationship between your credit and your mortgage is simple; the better your credit, the lower your interest rate and the more choice you will have among mortgage programs.

The Potential of Credit Repair

If you have had credit issues in the past it is essential to your financial life that you have a very clear understanding of how credit repair can help get you back on solid financial ground again. To understand the potential of credit repair there is a myth that needs to be dispelled. This myth is that you are the only one who can repair your own credit. This is a line that was originally promulgated by the credit bureaus and is now parroted by others.

Can You Do it Yourself?

The motivation of the credit bureaus to sell the do-it-yourself campaign was obvious to those of us in the credit repair business. The credit bureaus are well aware of the fact that the vast majority of individuals that undertake the effort to repair their own credit do not have the time or tenacity to understand the system. And without a proper understanding most people will quit out of frustration, or give up believing that they have done everything that can be done. Either way, the credit bureaus will save time and money.

The Role of the Credit Repair Professional

All professions provide the benefit of a mastery of their own field. Although it is certainly true that you could repair your own credit, it is equally true that you could make your own clothes or repair your own car. The economy thrives on the diversity of expertise that is offered in the marketplace. Those that do not have the time or energy to do the extensive research needed to do a job properly can hire someone else to do the work for them. A credit repair professional offers the benefit of his experience in dealing with the three credit bureaus, creditors, and collection agencies. He should also have an in depth understanding of everything that can have an impact on your credit score.

Improving Your Credit Scores

Would you like to purchase a home or refinance to a lower interest rate? The mortgage that you are able to obtain will be entirely dependant on the content of your credit report. As a credit repair professional I speak to people daily who have been told that they either cannot qualify for a mortgage due to their credit, or only qualify for a very expensive sub-prime mortgage. In our examination of their credit reports we often discover that there are a significant number of errors that are depressing their credit scores dramatically.

Putting Your Credit to Work for You

Much of the misreported information that appears on credit reports goes unrecognized. Items such as duplicate accounts, understated high credit limits, and misstated account opening dates are often ignored because they are not derogatory per se. These items along with the obvious erroneous derogatory information can all be cleaned up. And the results can make the difference between an affordable mortgage and a stressful monthly payment.

Choose Carefully

The American Dream is achievable and it depends on your credit. If you have the time and inclination to learn credit repair yourself you should make the effort. If you do not feel up to the task you should hire someone to get the job done for you. And, in making the decision you should remember the potential impact that your credit can have on your life. You work hard for your money. Make sure that your credit works just as hard for you.

Copyright © 2007 James W. Kemish. All Content. All Rights Reserved.








Jim Kemish is the president and founder of Power Mortgage, a powermortgage.com Florida mortgage broker based in Delray Beach, Florida. Power Mortgage Corp was established in 1989 and serves the states of Florida, Georgia, Massachusetts, and Virginia. Jim is also the President of Sky Blue Credit, a national skybluecredit.com credit repair business. For great mortgage and credit tips visit the florida-mortgage-blog.com Florida Mortgage Blog.

Basics of Carpet Cleaning - DIY

Pros and cons of cleaning carpets professionally

The biggest advantage of taking the help of a professional cleaner is the simplicity and the ease with which the cleaning is handled. All you need to do is to contact one and the cleaning will be taken care of in return for a very nominal fee. If there is a lot of furniture to be moved for proper cleaning then calling for professional help is the best option.

However the disadvantage is that the whole endeavor will end up becoming very expensive. Nevertheless, if you have the money and do not mind spending a huge sum on the cleaning then you should opt for cleaning your carpets professionally.

Pros and cons of DIY carpet cleaning

If you decide to clean your carpet on your own then the endeavor will call for a lot of work. From the moving of the furniture, to cleaning the stains on the carpet, you will have to do it all. But the biggest advantage is the fact that you will be saving a lot of money. It is always a better option than asking for an agency to help because cleaning of the carpet is an ongoing requirement. It is better to do it on your own rather than depend on someone to get the expensive carpet cleaned with more expensive options!

The resources that address your home-decorating-reviews.com/carpet-cleaning-series.html carpet cleaning needs are many and it is certain that you will be able to find one in your city or town. Whether you rent or buy the cleaning products, you will be responsible for treating the stains yourself, moving the furniture and even cleaning in general. This process can take more time and effort than bargained for, but it can save you quite a bit of money if you are on a budget.








Did you enjoy the article on decorating styles??, Phil Caxton is the editor of many articles on decorating styles published at home-decorating-reviews.com. More articles on carpet cleaning and home decorating at home-decorating-reviews.com/carpet-cleaning-series.html home-decorating-reviews.com/carpet-cleaning-series.html.

The Cheapest Letting Rental Agent May Not Be The Best For Value

For the property owner who is letting out their home or investment property the maximum return on investment is very important. This applies on the amount of commission that you pay to your letting agent.

Many people carry out a fair bit of research before choosing their letting agent covering the following criteria. How long have they been established - do they belong to a professional organisation - how do they market a rental property - do they have qualified staff - what are their costs for letting?

Over the past fifteen years in the UK there has been a tremendous growth within the residential letting business. This is as a result of improved rental laws, growth in the Buy to let market, etc. This similar situation has happened in Ireland, France and other European countries.

In the UK at 2006 anyone can set up business as a "Letting Agent". This is quite a worrying situation whereby they can be collecting rent and deposits, not setting up designated "client bank " accounts to put these funds in and go off with the proceeds. Although there are now numerous agents who are members ofARLA (The Association of Residential Letting Agents), NALS (National Approved Letting Scheme) NAEA (National Association of Estate Agents) andRICS (The Royal Institution of Chartered Surveyors) anyone can be in business without belonging to such a professional organisation.

An agent who joins one (or more) of those listed Professional organisations must have staff working for them who have experience in the letting industry, they must have Professional Indemnity insurance, have audited client bank accounts and run their business from proper offices, All of these standards cost a lot of money and have to be taken into account with the agents fees.

There are of course many long established agents out there in the UK who choose not to belong to such an organisation (Until the Government brings in Licensing regulation they can still continue like that) and run very successful business, holding client bank accounts, having professional indemnity insurance and getting their staff properly trained.

Do choose your letting agent with care, remember many work on a no let no fee basis and it can be very costly marketing a property for an agent that you actually don't let. The other important consideration is to always let an agent you instruct know if you are instructing more than one agent. There is nothing more embarrassing for an agent or a new tenant when suddenly the door of the rental property opens and in walks another agent with prospective renters and the owner had never notified the first agent that they let it via another agent.

There are of course many long established agents out there in the UK who choose not to belong to such an organisation (Until the Government brings in Licensing regulation they can still continue like that) and run very successful business, holding client bank accounts, having professional indemnity insurance and getting their staff properly trained.

Do choose your letting agent with care, remember many work on a no let no fee basis and it can be very costly marketing a property for an agent that you actually don't let. The other important consideration is to always let an agent you instruct know if you are instructing more than one agent. There is nothing more embarrassing for an agent or a new tenant when suddenly the door of the rental property opens and in walks another agent with prospective renters and the owner had never notified the first agent that they let it via another agent.

If you do instruct more than one agent, make sure you are not breaking any sole agency agreements or having different rental prices with different agents








Philip Suter is a Director of JML Property Services jmlproperty.co.uk jmlproperty.co.uk a UK based company offering Insurance products on line at jml-property-insurance.co.uk jml-property-insurance.co.uk and a holiday home advertising service jmlvillas.com jmlvillas.com and management training within the uk. He is a very experienced property consultant with over 30 years work in the Residential letting business in the UK and served on the National Council of ARLA. He is a Fellow of the National Association of Estate Agents (NAEA) and a Member of The association of Residential Letting Agents (ARLA)

Make Money By Putting Your Photography Skills To Use

Despite what some people may think, taking pictures can yield dedicated, determined, and talented photographers a nice living. It is not impossible to use the hobby you enjoy as an income generator. However, you have to be smart about it and take advantage of as many avenues as you can. As a freelance photographer, the best thing to do is to diversify so you can have multiple sources of income from your photographs.

One of the newest ways to make money from your photographs is to do so online. The great thing about earning money online is that many of the details are taken care of for you. It's also a good way for fledgling photographers to break into the market. There are a couple of ways to earn money online from photography.

One of the ways you can work from home as a photographer is to sell your photos to stock photography agency websites or microstock sites. On these sites, stock agencies offer the photographer a space to host their images, and pay the photographer a percentage of the fee charged to the buyer. The stock agency takes care of the marketing. All you have to do is hope that there are buyers for your images.

Microstock sites pay less and are less exclusive, but they are still a good way to earn money, especially for those just starting out. The better sites will have information on their sites discussing what makes the type of photograph that someone would want to buy, plus they will reveal the photos that have recently been licensed.

This is helpful for new photographers, or photographers who are just starting to make a go of making money from their hobby, so that they can see what kinds of photos are in demand. When dealing with stock agencies and microstock sites, your best bet is to sign up with and submit to as many as you can.

You can also make money by placing your photographs on your own website if you have one. If you don't have one yet, starting one is a good idea so that you can begin marketing yourself and your photography services. You should have a section on your website where you display your work. Be sure to invite visitors to your site to browse your portfolio. There are many different ecommerce services you can use to create your own site even if you don't know anything about web design.

You can also make money by selling your photographs directly to a variety of buyers, including magazines, websites, books, and postcard companies. You can also teach photography classes or self-publish a photography book with your images.

By far, the easiest way to start as a freelance photographer is to work from home first and try to earn money online from your photos. Once you have some buyers, you can evaluate your photos and see which ones are selling, so you may have an idea what your strengths are. From there you can move on to make money in other ways.








Rick Hendershot publishes OpportunityBlogger.com - a opportunityblogger.com make money online blog that features many different online opportunities and ways to make money on the internet.

How To Find Your Perfect Vacation Rental

Spending your vacation in a vacation home or a villa is preferred by many over spending it in a hotel room. If you want to get a good rental for your next vacation it is important to understand how to go about finding your perfect vacation rental.

If you are planning on renting your next vacation home, there are a few aspects of renting that you should make yourself knowledgeable of. There are things like early booking options and signing an agreement that you should education yourself about. You can even hire a rental agency to find the rental for you and take care of the paperwork.

The first and most important thing is to make sure you know what you want from your vacation home. You will need to understand the local customs and traditions as well as local amenities and commerce before heading to your destination.

Rental agencies generally suggest reserving your rental property ten to fifteen months in advance. This can help you get exactly what you are looking for in the place you want to go. However, you can wait until the last minute to try and get a better deal but this comes with some risk.

You will want to inquire about the closest towns and markets. You will want to check with the rental to ensure they provide bed sheets and towels as well as the presence or absence of the property owners and other guests.

It is best to ask for references from previous renters to best understand what is included with your rental and if there are any details that would be helpful to know. Having a picture of the house or taking a virtual tour beforehand is recommended.

After you have found your ideal vacation house, make sure that you get a written rental agreement. You will want to read the details of the contract to ensure you understand any extra fees, costs, and expectations.

Just make sure that you do your research before renting your property. Getting the help of a real estate agent or rental agency can make the process easier. Once you have found the perfect place, having done your research will make certain that your perfect vacation goes smoothly.








Nate Oster has been blogging about vacation homes for the past 5 years. In addition, he is fond of publishing articles with respect to New York City neighborhood subjects, such as levelgroup.com/neighborhoods/kingsbridge-apartments Kingsbridge apartments and levelgroup.com/neighborhoods/riverdale-real-estate Riverdale real estate.

Nate Oster

Elderly Care

When it comes to the senior citizens in Miami, there is a group of people who no are unable to live alone, but they also wish to maintain their independence. This can be made possible with the help of Home Care in Miami. Unlike nursing homes, these Retirement community facilities provide help only when it is needed by the individual. In Assisted living facilities the individual are getting help with daily tasks like getting dressed, bathing, medications, housekeeping and eating.

Assistance is available 24 hours per day, 7 days a week, so anyone who requires constant assistance will not have to worry about it. So it is extremely important to exercising caution when selecting a Retirement community.

Before you make a decision on a Home Care facility in Miami always make plan a visit to the place, and be sure to ask questions of the residents. By doing this you will be able to know more about the behavior of the staff. After the visit if you feel that the place is best suited for your loved one, you can always spend some time there and know the attitude of the residents.

Once you have visited the agency, you will have to help your loved ones understand the difference between a nursing home and a Assisted living facility in Miami.

To do this, it's always recommended that when you are in the process of selecting the Home Care facility you must get the senior involved as much as possible in the decision process.








For more information about this article Click on imperial-living.com Home Health Care Miami or imperial-living.com Home Care Miami

Employment Agencies For Healthcare Professionals

By utilizing the efficient staffing services of reliable employment agencies, talented healthcare professionals can secure placements in premium medical settings and thereby build a fruitful career.

Offering Challenging Healthcare Jobs

The services of employment agencies greatly benefit both fresh graduates and experienced healthcare professionals looking for a career break. These agencies help domestic and internationally trained occupational therapists, speech language pathologists and physical therapists to secure temporary, permanent, part-time, full-time, short-term, long-term or travel jobs in well-known healthcare facilities. These include rehabilitation clinics, hospitals, physician's offices, long-term care clinics, home healthcare agencies, nursing homes, outpatient clinics, acute care hospitals, government agencies and educational institutions.

Working in challenging medical environments gives healthcare professionals the opportunity to develop their skills and gain more experience by working with other specialists. They are ensured of a good remuneration and other benefits including:

? Paid housing

? 401(k) retirement insurance plan

? Section 125 Cafeteria Plan

? Professional liability insurance

? Additional state licensure

? Short-term disability insurance

? Immigration processing support (for abroad trained professionals)

? Continuing education programs

? Healthcare insurance

? Travel allowance

Finding the Right Healthcare Personnel

These employment agencies have a panel of experts that provides reliable medical staffing solutions for medical facilities seeking the services of dynamic and skilled professionals. They take care of each phase of the recruitment procedure including candidate sourcing, preliminary assessment and interviewing.

Thus, employment agencies help healthcare providers to gain the services of experienced professionals. Moreover, healthcare facilities can save the time, money and effort needed for placing job advertisements and performing the repetitive staffing processes on their own.

Depend On Reputed Healthcare Employment Agencies

By registering with recognized employment agencies, healthcare professionals can find excellent job opportunities that suit their academic profile and practical experience. Registered candidates can also access their job database which is regularly updated.








therakare.com/healthcare-employment-agency.html Healthcare Staffing - TheraKare is a leading healthcare employment agency in the U.S. They provide complete support for those seeking therakare.com/physical-therapy-jobs.html physical therapy jobs, occupational therapy jobs, and speech pathology jobs.

Tuesday, April 30, 2013

HIV Uninsured Care Programs

The AIDS Institute of the New York State Department of Health was able to establish four programs which provide access to free health café for residents of New York with HIV infection - regardless of whether they are uninsured or underinsured. Note that the four programs adopt the same application forms as well as enrollment process.

1. AIDS Drug Assistance Program (ADAP)

ADAP is a program that provides free medications for the treatment of HIV/AIDS and other sensitive infections. These provided drugs can considerably help people with HIV/AIDS live longer as well as treat the symptoms of the infection. People with partial insurance or those who have a Medicaid spent down requirement can avail of the benefits by ADAP.

2. ADAP Plus (Primary Care)

ADAP Plus (Primary Care) works by providing free primary care services at chosen clinics, hospital outpatient departments, office-based doctors as well as lab vendors. Included are services for ambulatory care for medical evaluation, early intervention, and continuing treatment.

3. HIV Home Care Program

The HIVE Home Care Program provides coverage for home care services to incessantly medically dependent individuals as ordered by their doctor. This program covers competent nursing, home health services, and intravenous therapy administration as well medications and supplies and reliable medical equipment - when instructed by the physician for specific conditions. Take note that the services must be provided by a happinesslifetime.com home care agency which have already enrolled in the program.

4. ADAP Plus Insurance Continuation Program (APIC)

APIC can provide the payment for the premiums issued by commercial health insurance program for ADAP qualified clients. This program will pay for the assiduity of a cost effective policy for people who presents to the program with the following criteria:

· Have a current coverage bought directly from an insurance company or agent or

· Coverage by their employer where the employee's contribution establishes a financial hardship or

· COBRA coverage for persons who lost their job and cannot afford the premiums

The following are the eligibility requirements for interested applicants:

· Must be a resident of the New York State (U.S. citizenship is not needed)

· Living with AIDS or HIV infection as well as chronic medical dependence because of certain physical or cognitive impairment from HIV

· Must have an income less than $44,000 annually for one household, $59,200 for two households, $74,400 for three or more as well as liquid assets lower than $25,000








nyhealthinsurer.com/articles/socialized-health-care-in-america nyhealthinsurer.com/articles/socialized-health-care-in-america

How to Sell a House in a Cold Economy

Even in the best of times, selling a house during the long winter months can be a challenge. In these tough economic times many would-be home sellers are opting to hold onto their house until the market starts looking up. Not everyone has that option due to job changes, finances and other circumstances beyond control. If selling the house is an absolute must in these winter months following some no-nonsense advice can help.

Be aggressive about finding the right real estate agent.

First and foremost is choosing a real estate agent. The importance of finding the right person to sell a house can not be overstated. There is a plethora of advice found on the web extolling the virtues of selling a home without a real estate agent. It is hard enough for the successful, experienced agents to sell homes now, for the novice it is next to impossible. This does not mean it's a good idea to hire the boss's sister's friend's niece. Do research and find out which user and which agents have sold the most homes recently in your neighborhood, price range and home style.

Look into how agencies and agents market homes in your areas. Ask friends and neighbors for recommendations, then ask agents of interest to do a market analysis on the home. Do research on what has sold, is for sale and how long homes stay on the market in the area. Being knowledgeable about the market helps sellers evaluate prospective agents.

As with any big decision involving money, it is important to shop around. It is also important to listen to what agents have to say about the condition of the home and a realistic price range. It is tempting to go with the agent who is saying the nicest things, giving the highest price range and making the most impressive promises. Unfortunately, it may be the agent who is telling the seller some unpleasant facts who may be most likely to sell the house.

Make the house standout from the rest.

Once a real estate agent has been chosen, have him or her make a list of things that need to be done to show a home to the best advantage. This list should be realistic to the seller's budget and time frame. If it needs to be a quick sale, a long laundry list of things to do to spruce up the house is not realistic and a seller would do better to lower the price.

Curb appeal does make a difference, so a little money spent on fresh plants and flowers can be a wise investment. Trim the hedges, sweep the front walk, check bulbs in outdoor lights and repair any damage near the front door such as cracks or holes. Something as seemingly inconsequential as a new mailbox or a nice door wreath can make a good impression on a buyer. The same goes for the inside. Taking care of little details and keeping the house immaculate and clutter-free is imperative.

Stay involved and be flexible.

In a buyer's market and during the lean winter months a seller needs to stay on top of what is happening in the market. Set a day each week to check in with the real estate agent and ask direct questions. Find out what the marketing plan is each week for advertising, open house and agent follow-up with prospective buyers, which is particularly essential in a tough market. It is also important to stay positive and be flexible. As market conditions change, it may become necessary to lower the price.








Jill works with Inside Real Estate a company in central Texas. They run a site about insidehoustonrealestate.com Houston Texas Real Estate. It has pages on Houston neighborhoods like insidehoustonrealestate.com/baytownrealestate.html Baytown