Saturday, July 27, 2013

Useful Tips For Hiring a Private Caregiver

How to recognize when you need homecare.

Below is a partial list of indicators that may suggest the need for a caregiver.

-Things around the home are being left undone-dishes, vacuuming, and laundry.

-The senior is losing weight because they are not willing/able to cook for themselves.

-The senior has balance impairment and is at risk of falling.

-The person has Alzheimer's or Dementia and cannot be left alone.

-The senior has had a stroke and needs assistance with ADL's.

-The senior has Parkinson's disease and is unable to care for himself/herself.

-Any number of medical conditions can render a person immobile for long periods.

-Frailty due to advanced age.

If you recognize a need for a caregiver for yourself or a loved one, there are many options when it comes to homecare. (more can be found on this topic by reading "Homecare 101- A Tutorial".

If you have decided to hire a home care provider privately, here are some tips to help in your search.

Do your research.

Do some research and find out prevailing rates for private hire caregivers where you live. This is a simple step but requires many phone calls. A good place to start your search for caregivers is via the internet at craigslist.org. Other sources would include the local church bulletin or neighborhood newspaper's classifieds section. You can also ask people that you know for a referral to a caregiver. Create a list and call them to inquire about their availability, rates, and services. After inquiring about rates from 5-7 different caregivers you will have a good idea what the average is for your region.

Once you have a good idea of your regional caregiver rates, you can start your interview process. By this time you will have spoken to several caregivers during the pricing research. Now you can set in-person interviews for the top 2-3 caregivers that you've had a good rapport with over the phone. It is important to have backup caregivers just in case the caregiver that you feel is the most qualified, ends up not being available for the position you are offering. Those who work in the homecare agency industry know that caregivers do not always show up for interviews when they are scheduled. Always confirm that the caregiver you are inviting for an interview is willing and able to work during the hours and days that you need them.

Interview

During an interview of a caregiver, it is important to ask open ended questions such as "Tell me about your caregiving experience." or " Tell me about the last three clients you have cared for in their home." You may ask them if they have worked for any homehappinesslifetime.com care agencies in the past.

-It is usually a good sign when the caregiver can reference two or three well known and respected agencies that they have worked for, as good agencies will generally have a detailed screening process which includes criminal background checks, social security verifications, and proficiency assessments.

-You may want to ask if they have had training as a Certified Nurse Assistant or Home

Health Aide. Although it is not a necessity to be a good caregiver, it shows a general career interest in caring for people.

-Ask for a sample of how they would do record keeping while on the job.

Experienced caregivers will generally maintain a journal to keep track of things such as: schedule, meal plans, house cleaning, outings, shopping and supplies, medications, changes in the condition of the client, visitors, phone calls, etc.

-Ask for references of former clients and client's family members. Be wary of caregivers who claim to have experience yet cannot offer any professional references with contact information.

-Ask for 2 or 3 ways of getting into contact with the caregiver i.e. home phone, cell phone, closest family contact phone. Ask about their home/family life to get an idea of the person's stability. When you are inviting someone into your home to care for yourself or a parent, you should not be bashful about finding out as much as you can about that person.

-Prepare some scenarios of things that you think might occur with your particular situation and ask how they would deal with it. An example would be "If you get to the home and find my mother confused and upset, how would you deal with that situation?" or "If my father falls down while in the bathroom, how would you handle that situation?"

These questions are designed to gauge a person's decision-making ability and appropriateness of action under the circumstance.

-Ask the caregiver to provide you with 2 forms of picture identification, a social security card, and proof of residency to verify that they do live at the address they claim. Proof of residency can be in the form of a bank statement with their address, or utility bill with their name and address. These steps are necessary to document that you have done your due diligence in verifying the caregiver's identification.

-According to the state that you live in, you will need to have the caregiver fill out certain employee tax documents for payroll tax withholdings and/or social security taxes. You will need to check with your local government agency to find out your specific requirements. This is an area that many people neglect, which can put them in serious liability with the IRS, EDD, and a number of other agencies. Tax reporting is one of the biggest hurdles for the average person when hiring caregivers privately.

-Make sure that you have some form of written agreement between you and the caregiver that details the work to be done and the compensation for that work. (This article is written as a general guideline and not intended to be legal advice.) If you are the type of person who does business on a handshake, you are potentially putting yourself at enormous risk. There are many sample agreements that can be found through the internet or even your local library.

Post-interview homework

After a few interviews, you have decided on your first choice for a caregiver. Congratulations!

-Now you will need to follow up on the references provided by the caregiver. This is a critical step in evaluating the caregiver. Keep asking questions to the references until you are completely satisfied. This step can take a few days as the references you are trying to reach may not be immediately available to talk to you. Be patient, you're almost there. Once you have positive responses from the references, you are ready to start.

-It would be a good idea to contact your homeowner's insurance carrier at this point to find out whether your policy would cover accidents for employees working in the home. Most homeowner's insurance policies will have coverage for such events. If you don't have it, it should not take much to call your agent and have it added to your policy for a fee. Insurance is not an area to be neglected in this situation.

-Now it is up to you to create a "care plan" for the Caregiver to follow. This care plan can be a simple one page document that outlines how the senior should be cared for and any special instructions associated with care. Some care plans created by Care Managers are very comprehensive, including detailed cooking instructions, physical exercises, memory exercises, etc. Do your best to be as detailed as possible when creating the care plan, the less room for interpretation the better.

Initiating care and quality assurance.

Everything is in place and the caregiver is ready to start. On the first day, it is a good practice to be present with the caregiver to walk them through the responsibilities of the job. By being there, you can ensure that the things that are most important to you get done first and the caregiver will have a better sense of your priorities when faced with multiple things to do.

After you are confident that the caregiver is capable of handling the situation, you can leave them to their work. It is a good practice to notice the condition of the home prior to the hiring of a caregiver. You would generally expect to see an improvement in the tidiness of the home as the caregiver settles in to the housekeeping responsibilities. Being the supervisor of the caregiver, you must inspect the quality of their work on a regular basis. If things are not up to your standards, you must communicate this as early as possible to the caregiver. Do not wait until you have a laundry list of things that you are not happy with before approaching the caregiver with your concerns. An avalanche of criticism, all at once, can jeopardize the relationship with the caregiver. Be sure to tell them what they are doing properly in addition to what needs to be improved. Positive feed back is much more effective than negative.

Providing a good work environment.

It is important to remember that caregivers have certain criteria to judge whether they would like to continue to work for you in the future. Providing a safe and pleasant work environment is your responsibility as the employer. If you want to save yourself time and effort from having to find a new caregiver every few weeks/months, you would be wise to see the job from the caregiver's perspective.

One thing that causes caregiver turnover is inconsistency of schedule and/or duties. Caregivers rely on their hours of work for their income. If you have a tendency to cancel scheduled shifts, you are creating stress and bad will in the caregiver relationship. You will not always know when a caregiver is unhappy with changes in their schedule until it is too late. Another factor in high turnover is expecting the caregiver to complete multiple tasks in an unreasonable time frame. People who push their caregivers too hard, end up pushing them away from the job.

Avoid adding things to the scope of service that is unrelated to caring for a senior or general "light" housekeeping. For example, you should not ask the caregiver to work in the garden, or paint a wall, etc. As a general rule, the caregiver is there to support activities of daily living for the senior, with 20% of time devoted to housekeeping.

Paying caregivers on time, on a weekly basis, is a good practice. Inconsistency or late payment for services is a big challenge to caregiver morale. Poor tracking of work hours is also a big no-no. If you ask the caregiver to stay beyond the initial agreed upon schedule, you need to make sure any additional time is compensated for. A bit of a bonus with a note for a job well done, goes a long way.

In the end, you need to ask yourself "Why would a caregiver choose to work for you instead of someone else at the same pay rate?" If you can't come up with a few really good reasons, you need to create some. For many caregivers, pay alone is not the deciding factor in whether they will be under your employ for the long term.

I hope this helps with your search for a private hire caregiver.








accreditedcaregivers.com San Francisco Home Care, provider, Accredited Care Givers specializes in elder care, adult care and senior services.

Factors That Affect Currency Trading

Trading currency on the forex, or foreign exchange, market is an increasingly popular way for individuals to invest their money, and even to make a living. These investors are just a small part of the forex market, tho. It is mostly comprised of large and small banks. All of these investors move a total of 4 trillion US dollars worth of currency a day, so it is vitally important to them to be able to judge the state of currency trading based on the factors that affect currency trading.

Currency prices are primarily a result of supply and demand. In that manner, forex is a very fluid market. Forex is a worldwide market, as every nation has some sort of currency which can be traded, so factors all over the world are constantly affecting the supply and demand of various currencies. More than any other market, the foreign exchange market reflects world events.

Economic factors are a primary aspect affecting currency trading. Government agencies and central banks set economic policy which can affect the supply and demand for a particular currency. These economic conditions are often revealed through a nation's economic reports. Government budget deficits or surpluses can also be reflected in the value of a country's currency, as can inflation levels.

Political conditions are another major group of factors affecting currency trading. Political happenings can have a severe effect on currency markets. If a nation is perceived to have political instability, that can negatively affect that nation's currency on the forex market. Political movements that seem to bring economic stability to a region can have a positive effect.

Traders on the forex market are well advised to watch world events for the factors that affect currency trading. Careful analysis of the market data can show quantifiably how these world events can affect the market. It is less clear if proper algorithmic analysis of forex data can predict major world events as well as it can predict profitable movements in the market.








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How to Apply for a Mortgage

Once you select a lender and a mortgage suitable to your needs and abilities, it's time to officially apply for that mortgage. Submitting an application for a mortgage can seem intimidating at first, but it need not be difficult.

Before sitting down to fill out a mortgage application, be sure you have the following information handy:

* your income, past and present;

* a list of your assets;

* a tally of your regular expenses and existing financial obligations;

* an accounting of your employment history

Mortgage applicants will also need to provide the following records or documents:

* the past two year's W-2s;

* pay stubs for the month leading up to submitting the application;

* statements from all the applicant's bank accounts - checking, savings, retirement, investments, etc.

* proof of current outstanding debts that show both the current balance and minimum monthly payment on each (ie. credit cards, car loans, greeneasylife.com/StudentLoans student loans, other greeneasylife.com home mortgages, child support, alimony, etc.)

If you are self-employed or you own a share or more in a business, you will also be asked to provide copies of your federal income tax returns.

The preceding is not the only information a lender may require of you, but it is a partial listing of the information that any and all lenders will most assuredly require.

After you've submitted your application, the lender will order a property appraisal (paid for by you), and will have your credit checked. Oftentimes, a potential borrower might choose to have the property appraised independently before submitting an application, just to make sure that the property value merits the offer made. Potential borrowers may also check their own credit first before applying for a mortgage so that they may take the initiative to fix or correct any negative items remaining on their credit report before the potential lender takes a look at it. The 3 major credit reporting agencies - Experian, Equifax, and TransUnion - now allow all consumers to receive a free copy of each of their credit reports once per year.

Lastly, prior to applying for a mortgage, consider hiring a licensed inspector to examine the property for defects and potential problems. Whether or not a home inspection is contractually required by the lender or the homeowner's insurance it is nonetheless advisable that any person considering buying a home protect themselves from costly headaches and heartaches later on by ordering an inspection regardless. Any halfway-responsible offer to buy will include a contingency that relieves the would-be buyer of an obligation to purchase should the inspection reveal any information about the home previously unknown to the buyer that the seller is unwilling to pay to take care of prior to closing.

Once a mortgage application is submitted, it can take several weeks to several months to be approved or denied. Once a mortgage application is approved, the next step is to schedule and prepare for closing. If, however, an application is denied by one lender, it doesn't mean another lender might not approve a buyer's application. In these cases, it helps to know why the first lender denied the application so that the buyer may try to remedy the problem before submitting a subsequent mortgage application elsewhere.








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Call us toll-free at 1-800-675-9783 or visit us online.

Cost of Home Health Care

The cost of home health care warrants proactive planning and should be weighed against your budget and other anticipated expenses. For a home health aide to visit just 3 times a week to provide in home care, you may have to pay nearly $18,000 a year. It is wise then, to fully understand what is involved in contracting home health services and how it impacts your finances.

To get a full picture of what to expect when engaging a home health care provider, determine the cost your home health services, the public programs for which you are eligible, what payments these programs cover and what private funding options are available. This will greatly simplify identifying what option best meets your budget and in home care needs.

According to the US Department of Health and Human Services, in 2008, the average cost of hiring a home health care provider in United States is $29 an hour. The cost may vary depending upon where you live, however. Those in Los Angeles, may have to pay $29/hour for a home health aide, but those in San Jose, may need to pay $50/hour for the same in home care.

The table below shows average hourly rates of home healthcare services state-wise.

Average state hourly home health aide rates in USD ($)

(Source: 2008 Cost of Care Survey, Genworth Financial, March 2008 )

Alabama 46.00

Alaska 49.00

Arizona 29.00

Arkansas 21.00

California 36.00

Colorado 27.00

Connecticut 25.00

Delaware 31.00

District of Columbia 20.00

Florida 20.00

Georgia 42.00

Hawaii 32.00

Idaho 25.00

Illinois 30.00

Indiana 21.00

Iowa 28.00

Kansas 22.00

Kentucky 16.00

Louisiana 41.00

Maine 38.00

Massachusetts 28.00

Michigan 26.00

Minnesota 26.00

Mississippi 44.00

Missouri 25.00

Montana 23.00

Nebraska 23.00

Nevada 37.00

New Hampshire 32.00

New Jersey 26.00

New Mexico 23.00

New York 25.00

North Carolina 28.00

North Dakota 24.00

Oklahoma 29.00

Oregon 33.00

Pennsylvania 24.00

Rhode Island 22.00

South Carolina 29.00

South Dakota 20.00

Tennessee 30.00

Texas 28.00

Utah 24.00

Vermont 24.00

Virginia 25.00

Washington 45.00

West Virginia 32.00

Wisconsin 25.00

Wyoming 24.00

What you should know before hiring a caregiver:

o Medicare does not pay for personal care or custodial care only. It only pays for part time or intermittent skilled nursing care prescribed by a doctor and provided by a Medicare-certified home health agency.

o Medicaid pays for home healthcare, but some states may limit certain services.

o Private insurance may or may not cover home health care.

To meet your requirements for caregivery.com in home care while remaining mindful of your finances, be sure to understand all options first.








What you should know before hiring a caregiver. In this article Susan Slobac writes about caregivery.com home health care.

Finding a Home Mortgage Loan

When the time comes to buy a home you will need to find a home greeneasylife.com mortgage loan. Some years ago, banks were the only source for home loans, but today there are many lenders that are in the business of home mortgage lending and willing to help individuals regardless of their credit standings.

Buying a home and getting a mortgage is major financial undertaking that can impact you and your family for years to come. Therefore, it is vitally important to not spend more than you can afford on a house and get the best mortgage deals available. There are many financial institutions and banks providing greeneasylife.com home mortgages, but you have to be aware that the criteria for mortgage approval are now stricter due to the financial crisis.

If you have credit issues you can still qualify for a home greeneasylife.com mortgage loan, but it will be more difficult to get approved. Generally, if you are applying for a bad credit home greeneasylife.com mortgage loans you must try to reestablish your credit rating to a certain point to qualify as most banks may not even consider your application. There are sub-prime lenders who are willing to offer bad credit greeneasylife.com home mortgages, but they charge a higher interest rate to offset the additional risk to the lender.

It is a good idea to check your credit score before you even look at a property. You can get a free copy of your credit report online. Check the report carefully for any errors. If you find a mistake that could lower your credit score, have it corrected by contacting the credit reporting agency. You can also hire somebody to do this for you. Anything you can do to raise your credit score will help with your mortgage approval.

It is a good idea to find get a good mortgage broker as they have great experienced in getting greeneasylife.com mortgage loans approved, even if you have less than perfect credit. To find a mortgage broker, look online as there are thousands of site offer mortgages on the internet. Finding a good broker who can be a huge help. Mortgage broker can assist you with the whole loan process and in getting you the best mortgage deal.

You should also do some research to familiarize yourself with all aspects of buying a home and getting a mortgage. If you spend a few hours doing research online using mortgage calculators, for example, you will have a better idea of how much you can afford each month in mortgage payments. You can also find the best mortgage rates online.

When you are looking for financing for your new home, check out all the options available to you with many banks and home mortgage companies online and in your local area. Getting the best greeneasylife.com/LoanCalculator mortgage interest rates today are not too difficult, thanks to all the information that is available online. You can also check the lending banks to find which one offers the best interest rate.








Learn more about finding the mortgages-to-go.com Best Mortgage Deals online, including the mortgages-to-go.com/best-fixed-rate-mortgage-deals.htm Best Fixed Rate Mortgage Deals here.

Friday, July 26, 2013

How to Hire a Nanny Or Babysitter For Your Home

The decision regarding who will watch your children is one never to be taken lightly. Finding the best nanny or sitter for your family entails a process that will require both time and consideration, but the time and effort you invest up front in taking the proper steps in securing a nanny will help you hire a nanny who will best fit the needs of your family and give you peace of mind in the long run.

There are many avenues where a family can find a nanny. There are well established nanny referral agencies country, wide that will recruit, interview and screen candidates for you to consider. Agencies do a significant amount of tedious work for you, but do so for a hefty fees. If you are looking to find a reputable nanny referral agency, the International Nanny Association (nanny.org) can be a great resource.

Many families and nannies are turning to the internet, looking for "do it yourself" sites. Websites like Find the Best Nanny offer the families a pool of candidates in their area to choose from. Find the Best Nanny is the only internet company founded by an agency expert, Sharon Graff-Radell. Sharon is not only currently the Vice President of the International Nanny Association, but also has been consulting in the nanny agency industry for over 20 years.

Consider the following steps for a productive search. First, you need to determine what kind of care you need. If you are in need of someone more than 30 hours a week you are looking at full time care, and a full time nanny. If you need less than 30 hours, but have set days and times, then you are seeking a permanent part time nanny. The last option is babysitting. Babysitting is just as important as the other options but not necessarily permanent. Whatever the need, the importance of finding the right caregiver is paramount.

After determining the amount of childcare needed sit down and write a job description. The job description should include days of the week, hours, job responsibilities, compensation, as well as candidate qualifications and experience. You should also describe your family dynamics, your childrens needs and individual personalities.

Find the Best Nanny provides professional agency forms to all of its registered users. Using forms for reference checking, interview questions and employment contracts will ensure a safe hiring decision.

More than likely you will do initial screening of the candidates on the phone. The first interview is crucial and will help narrow down your pool of candidates for second interviews. Have paper and pen ready and be prepared to take notes. Ask the nanny to share some information about herself. She may be a little shy at first, so ask open ended questions, be patient and listen. When taking notes, do not just write down what she says, but also write down your thoughts and feelings during the interview.

This will help you with your decision later. Review with the candidate your job description and needs. After everything has been discussed, if you would like to move forward with this applicant, ask her for work related references. Childcare references may include, but are not necessarily limited to past nanny jobs, daycare or teaching positions, volunteer work in group settings (i.e. church or synagogue nurseries) and even temporary or on-going baby-sitting jobs. It is also recommended that you speak with a character reference as well as non-childcare job references.

Keep your eyes and ears open for red flags. Red flags may be gaps in employment, job hopping, not completing jobs or education, being let go from previous positions and frequent moves. Red flags are also physical signs like avoiding eye contact, being late for an interview, crossing arms or not interacting with your children.

After the first interview it is time to call the references. You should call all the references in order to get a clear picture of the candidate. If you are happy with the outcome of your conversations, call the candidate for a second interview.

The second interview is the perfect chance to see how she interacts with your children. Watch and see how she plays with your kids and how they respond to her. See if they warm up to her, if they seem calm around her. These are important signs. Most importantly, trust your parental instincts. You will know which caregiver fits in best with your family.

When you have completed the interviewing process and you feel you have found the best nanny for your family, make her an offer. Write up a contract and have both parties sign the final draft.

Find the Best Nanny recommends that families complete a background check on the provider they hire. This can be done through companies like US Information Search. You may also contact your county police department and ask about a police check and child abuse and neglect screening.

Congratulations, you have found a great caregiver! In order to keep the relationship positive, check in often with your nanny or sitter. Keeping the lines of communication open is the best way to ensure a successful employment relationship.








Debbie Hipp

Foster Care and Foster Parenting

Foster parenting can be a rewarding experience for both you and the child placed with you. Providing foster care is a practice that has been around since biblical times, but in the early 1900's fostering became a part of a professional team working to find permanency for dependent children.

Social services soon became involved and began working to place children in appropriate homes for stability. Any information concerning the child is collected and kept on file. This way the individual needs of the child are considered when a placement for them occurs.

Qualifications Required to be a Foster Parent

In order to be considered as a foster parent, you must first complete an application for a family home license. This also involves a criminal back ground check along with finger printing for each adult member of the household.

You must be 21 years of age and you must also show family stability. This is estabilished through a home study conducted by your local social services department. The home study consists of a home inspection, personal interviews, and character references.

You are also required to take and pass pre-service training. Once these steps are completed, a family home license can be issued.

What is Pre-Service Training?

Most states require a number of hours of training to become licensed. The hours required for training varies from state to state and can be anywhere from 6 to 30 hours. The courses usually consisit of basic foster care, and safety. Check with your local social service departments for the requirements in your state.

Why Choose Foster Parenting?

Are you loving and compassionate? Many of the children placed in foster care are victims of physical, emotional, or sexual abuse. They will require special attention and care.

Some children are from families unable to care for them for a variety of reasons, drug abuse, poor, neglect, etc. They may have separation issues and also require special attention and care.

No matter what the situation, all the children placed in foster care need a family that is willing to help them work through their individual issues and accept them as human beings.

Being a foster parent can be extremely rewarding. Children that are in foster homes and recieve the proper care required can grow to be loving caring adults. You will reep the rewards by seeing these individuals learn to live in a family situation that loves and cherishes them. All children need love and understanding to grow.

Yes, being a foster parent is a 24/7 job that has it's ups and downs, but with the proper support offered by local social service agencies and a loving, caring environment it can be very rewarding.

Check with your local social service agency to find out the requirements in your state and consider giving these children the loving home that they deserve.

If you are looking to adopt and are seeking a less expensive root, you may want to consider this option. child-adoption-matters.com/foster-child-adoption.html We did!








Connie McKenzie is a part-time work at home mom. She has two beautiful adopted girls and a wonderful husband. My site offers foster care and adoption information, as well as lots of useful resources for those wishing to adopt a child. child-adoption-matters.com Child Adoption Matters because as her daughter says, "Child adoption does matter, mommy!

Secrets of Successful Telecommuters - How to Get Paid to Work From Home Forever

If you think telecommuting jobs are as scarce as the proverbial needle in a haystack, or are scams to induce you to part with your money, maybe you've been approaching them the wrong way. Sylvie Charrier, founder of Workaholics4Hire and herself a telecommuter, has published an insider's guide to how you can succeed at working from home if you have the right attitude and know-how.

5 Reasons Why You Should Read "You Can Work In Your PJs"


It's hard not to like someone who not only knows what she is talking about, but who seems genuinely concerned about telecommuters being scammed by false promises and being asked to pay to work. Throughout the book, Charrier keeps reminding the reader: never pay for a job! If you have to, it's a scam.

Charrier is upfront about the realities of working from home. Most sites plug the glamour and ease of working from home but are quick to gloss over the brutal facts about why employers are reluctant to hire telecommuters.

Links in the book are constantly updated through the companion Resource Directory. This guarantees that the information you get whenever you access it is the freshest.

The book comes with ready-to-use templates for brochures, cover letters and resumes.

Charrier has a clever way of creatively engaging the reader. Chapter 5 is a prime example. Written in a highly interactive, personal and organic nature, it is designed to make you think in a new way of the specific skills you have which can be applied to create your own niche in the telecommuting market. Read it - you will be amazed.

Tips for Successful Telecommuting - The insider information you won't get anywhere else



The truth about real world telecommuting. Like, you will not have more time with your family. You will be home more, but you'll also be busier. You won't save money on childcare. In fact, you'll need childcare so you can get any work done at all.


6 reasons why many employers don't hire home-based workers. Some workers try to bully their way into a job. Some ignore the requirements in the job description and waste the employer's time. Some are so suspicious because they have been scammed before, that they fail to recognize a high-quality job description when they see one. Some annoy employers by typing their cover letters completely in capitals. Some are vague and non-descriptive about what they can do for the employer. And the final and most shocking statistic? More than 65% of potential home-based workers fail to follow through when they get the job.


Right and wrong motivations for telecommuting. Some people aren't successful because they are doing it for the wrong reasons. For instance, wanting to be with your children and not wanting to commute are NOT good reasons. Hint: It's not about you and your interests only. Focus on the employer's interests instead. Become an empathic telecommuter and you will be better able to get that telecommuting position.


4 essential personality quirks of successful telecommuters. You are self-motivated. You are obsessive-compulsive. You are a perfectionist. You are cheerful and an optimist.


4 common pitfalls that discourage people from telecommuting. You're on your own. Your friends think you're nuts. Jobs are hard to find. Your skills are limited.


The difference between a home business and working from home. Examples of individuals who work from home are the telecommuting (or offsite) employee and the independent contractor or freelancer. Home business includes the pre-packaged home based business-in-a-box, which is similar to a franchise.


The equipment and software that you need to get started. Get a laser printer instead of an inkjet one; the quality is worth it. Use an e-fax facility from a reputable third party provider. You will never miss a fax, and you get a toll-free number which looks professional. Get your own website. Get as much software as you can (buy used instead of new) and master it.


The biggest secret that all successful telecommuters know. Change your mindset and realize that you alone are in control. Not scammers, not employers, not the lack of jobs.


Things you can do to boost your chances of success. List your hobbies. List your skills. Pretend you are a business consultant and use the lists to help you invent your own career. See how Charrier spins out 6 amazing different business ideas from one hobby.


Know how to use different cover letters for different jobs and different delivery modes (email, fax), and how a telecommuter's cover letter differs from a standard job applicant's.


Resume writing guide.Tips on how to write a compact one-paragraph introduction designed to help you ace the job, how and why you should use action verbs, how to use keywords to ensure your resume is picked up by the employer's resume scanning program, and how to write your resume in ASCII format.


What to do if you have no prior experience and your prospective employer asks to see your work samples. You can create a freelancer's portfolio using dummy samples and work you have done on a volunteer basis.


How do you minimize expenses? Try bartering with small business owners for services you need. In exchange, offer them your services and request that they 'pay' you with referrals and testimonials. The benefits are plentiful - you save your money, secure quality leads for future projects, and have a ready source of testimonials that you can show future clients or employers.


What to expect after you apply. Most employers will not respond, unless they plan to interview you. When you do get a good response, reply immediately, politely and professionally, and get ready for the (phone) interview.


Maximize your job search strategy. Spend 30 minutes a day on doing a targeted job search. Know what you are looking for. Have all your materials ready before you search. Choose your search tools carefully. Then spend the rest of your day working on projects, or acquiring a new skill, or networking with potential clients, or building a home based business, or volunteering. Cultivate the attitude of working hard and putting your time to wise use.


How to optimize work-from-home job boards and job listings. Guess where these job databases really get their jobs? Other job sites! Not only is this a copyright violation, it prejudices your chances of securing a real job. Contrast this with Workaholic4Hire's approach and how it helps you: the listings are free, valid and current.


How to use freelance project postings sites. You can bid publicly for a job (not recommended), bid privately (recommended), or submit formal proposals to government agencies (highly recommended because they are long term and lucrative; once you are a government supplier, your business grows exponentially).


How to reach employers. Create a business.educationeasy.net professional website. Market your site through search engines, discussion boards, reciprocal link exchanges, and articles in newsletters. Upload samples of your work to your online portfolio. Network with local business. Research your prospective client intensively.








Serena Tan helps people to explore the confusing and sometimes scary transition called Career Change. She created career-change-confidence.com career-change-confidence.com to empower, encourage and equip individuals to make confident career decisions.

Resources to Look After the Elderly

Before anyone can consider taking care of an elderly relation or friend there are a whole host of issues to consider. Quite often relatives don't want the burden of looking after their elderly parents or relatives, this may seem harsh but when you look at people's circumstances they are often very good reasons why this is the case. Families may have very young children and if both parents are working long hours with young children they may not have the time to look after anybody else; especially these days when young people are tied into very large mortgages and see no option but to keep on working to pay their way. Also the size of families is getting smaller which means there is less offspring around to take care of the elderly and depending on what are the circumstances it can be a huge task taking care of somebody in your home.

It would always be a daunting task looking after somebody in their later years however there are things one can do to get help to make the task easier and not to feel alone. It is very easy to feel lonely as if the world is caving in on top of you as the responsibilities mount up and the daily routine can become a never ending cycle.

So what can be done? Where can you go and who can you go to for help? The first place to start would be with the parents or relatives local GP. The doctor will be a great source of help giving you avenues to explore maybe even contact names and telephone numbers. These days most health services work together to deliver an all-around system while no health service in the world is perfect you need to make sure that you make maximum use of the resources available.

Ring the local authorities or local support groups that you or your doctor may know of. You will find that once you start talking to any agency they will point you in the right direction because the caregiver's world is a small one and the one should know what is available in the local area. If you're having no luck at all called the national offices and they will be able to point you in the right direction.

Use the Internet to find out what's available, these days almost everything is available on the Internet and many sites have links to other relevant sites that may have more information for you. Once you start researching your needs on the Internet you will be amazed at the information that you will find leaving you to discover avenues that you haven't even thought off.

No matter how hard your situation is, don't give up on the care for the elderly at least until you have explored all the avenues that are available to you. It'll take determination hard work but the rewards are huge if you decide to take care of the elderly. It is not easy but just think of the help that you might need someday.








This article was written by Fergal Tully of Sandra Cooney's Home Care - schomecare.ie schomecare.ie - schomecare.ie Home Care - also benefit from palliative care and other personal care services.

Find Home Care Answers Through Trusted Advisors

A recent national survey was conducted by senior home care provider, Caring Senior Service, of what they call 'senior's trusted advisors' which included Social Workers, Discharge Planners, Home Health Administrators and Nurses. All of these individuals are involved with care at multiple points in the care continuum. These advisors are responsible for making sure their patients receive the most appropriate care to ensure their health and safety.

The top three questions that these advisors wanted to know were:


Are they affordable?
Can they provide immediate care?
How do they provide quality service?

As a consumer, it's important to know that your trusted advisors are asking questions that help you make well informed decisions. You should consider asking the same questions.

Are they affordable?

Care at home compared to the cost of assisted living is extremely affordable. Be careful, however, that you compare apples to apples. As the old adage goes; you get what you pay for so don't hire an agency because they are the cheapest. To charge a lower rate, companies often cut important services such as a personalized caregiver introduction and regular supervision. Also you want to know if your charge rate provides the caregiver with a good living wage. You wouldn't want to trust the care of your loved ones to the cheapest you could find.

Can they provide immediate care?

The need for immediate care is important in today's sandwich generation; Typically devoted daughters who find themselves juggling between taking care of mom's needs and their own children's needs. They need to know care is available for their mother when needed so they can continue to balance their dual role.

How do they provide quality service?

Quality of service may be more important than price when you're considering care for a loved one. With personal care, quality starts with the caregiver. Find out what the hiring process is like and how they screen staff. Also discovering the way the company introduces and supervises caregivers can be integral in positive outcomes. Be sure to find out if they are required to be licensed by their state and that they have current insurance and bonding.

Ask the right questions and you'll learn what you need to make an informed decision. It may take a little time to search but the investment will pay off in the long run. There is no substitute to hiring a high quality service with great caregivers that will help give you peace of mind.








CaringSeniorService.com CaringSeniorService.com/

The Gains and Limitations of Long Term Care Insurance

When you grow old, you would expect that your children will also have a family of their own and you can see your grandchildren grow. By this time, it would be too much burden if you would let your children take care of you since they have their own responsibilities to attend to and with old age, you would surely require more attention and help especially when it comes to doing your activities of daily living. That is why you might want to map your long term care plans by this time.

There is a certain point in your life wherein you can question yourself where you would be when you grow old. Since getting old is inevitable, a better preparation for where you would be by that time is important. You might want to stay in an assisted living center, a nursing home or just in your house. But definitely, you would need assistance. By getting long term happinesslifetime.com care insurance, you are assured that when you reach that certain stage of growing old or being unable to do certain things on your own, you will be able to support yourself without putting too much burden on your children.

When choosing an insurance policy, you must be able to choose what is best for you just like when purchasing a shock gun. You must be able to make sure that you have invested your money into something very beneficial. You can gain from this type of insurance especially if you pay the premiums right on time. You will definitely use it as you grow old where it will pay for the finances in your care. You do not have to worry about spending your own retirement money of your savings because you have already set and paid the insurance company for how many years to do the financing for you.

The coverage of the long term happinesslifetime.com care insurance policy that you have paid for will take its effect usually when you are not able to perform activities of daily living. A number of at least two activities which you cannot do alone is already a proof that it is the time for the insurance policy to cover for the payment of care from health agencies and nursing homes. When you grow old, you will not be able to take care of yourself. You may need assistance from caregivers or other health care providers when taking a bath or dressing up.

Although it can provide you with a lot of benefits there are certain limitations especially when it comes to the specific type of premium that you chose. The price can vary, just like how the costs vary on stun batons, but they are based on the premium that you want for your care when you grow old. The services and the coverage will also differ and there are times when the health agencies which are only paid by the insurance company are their choice and not that of yours.

If you still have enough money to spare for your long term care plans, you can start doing it now while you still can. This is a good investment for the future especially when you reach old age.








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Thursday, July 25, 2013

Top 5 Reasons to Adopt a Pet

Top 5 Reasons to Adopt a Pet

Are you thinking of getting a new pet? Have you ever considered pet adoption? Adopting a pet is a wonderful option for adding a canine friend into the family. Here are 5 simple reasons why you should choose pet adoption:

1. You'll save a life

Saving a life just may be one of the most rewarding actions in a person's life. Some pet shelters have to put down animals if they do not get adopted. If you choose to adopt a pet from an animal shelter or animal adoption agency, you are not only saving a precious animal's life, you are also greatly increasing its quality of life.

2. You'll save money

When you adopt a pet, you are actually saving a lot of money. Animals that have been placed in shelters or taken to animal adoption agencies are almost always spayed or neutered and vaccinated. Those preliminary, but necessary procedures add up when all is said and done. Also, it is relatively inexpensive to adopt a pet from an agency or shelter in comparison to purchasing dogs or cats from a local pet store.

3. You'll receive a healthy pet

As was mentioned above, pets from shelters and adoption agencies are almost always spayed or neutered, and have received their vaccinations as well. This ensures the health and happiness of your future pet. Also, in contradiction to popular belief, many pets who have been placed in shelters have not been mistreated or "done something wrong." Many pets have been taken there because of people problems, such as divorce, a big move, or they are simply too busy to adequately provide care for a pet.

4. You won't be supporting puppy mills

Many pets that are sold in pet stores or newspaper ads sometimes come from puppy mills. Puppy mills are mass dog-breeding businesses that are harmful to the health of their bred puppies. These facilities sometimes house up to several hundred dogs at a time, thus compromising the health and well-being of a precious puppy. By adopting a pet from a shelter or a pet adoption agency, you are not supporting these often inhumane businesses.

5. You'll have a large selection

Because pet adoption agencies and animal shelters have many pets, there is a wide selection for you to choose from. To make pet shopping easier on potential parents, many pet agencies and shelters have websites that allow people to search for possible pets by their age, sex, size, and breed. This enables families to search from the comfort of their own homes; the hassle of going to noisy and overwhelming shelters and agencies is eliminated.

The satisfaction you will acquire when you adopt a pet is like no other; you will have received a healthy pet, you will save money, you will be supporting a healthy and just cause, you will get the perfect pet for your family, and you will have saved a life. Adopting a pet has lifelong benefits that you will not regret. Give these animals a second chance by allowing them to join your loving family.








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Article Writing Will Increase Your Traffic

Article marketing can be one of the most effective traffic generation strategies. It works pretty simply; you write articles which are relevant to the niche topic which your website is about. For example; if your site is about (or sells) birdhouses, then you'll want to write articles which are on subjects which relate to birds and birdhouses.

Once you've written these articles, the next step is submitting your articles to some of the many online article directories, especially those which are industry-focused and have some relevance to your site. This increases traffic to your site by generating backlinks (which will improve your search engine page rankings) as well as providing human readers of these articles an opportunity to click the link to your site provided if they're interested in what you have written.

Video Marketing

Another method which can increase your traffic is to use video advertising. You'll need to create video content which is relevant to your niche, particularly video which is related (but is not an advertisement per se) for any product or service you happen to be promoting there. You'll then want to get this video uploaded to popular video sharing websites so that the public can see it.

When making your video ads online, you should make sure to get them into sections on the sites which will appeal to people who are in your target market -be sure to use keywords which are relevant to your site in the anchor text of your links to make them easier to find with search engines. If you're unsure about how to do this as you get started, you may want to get in touch with some advertising professionals to help you create and distribute your video marketing materials.

Paid Links And Other Paid Advertising

There are blogs and other websites who will also sell advertising space or links on their site. By getting links or ads from the right sites, you can get a lot more traffic coming in to your site. If you can get links or ads from sites which are popular with your target market or audience and are offered at reasonable rates, then it can sometimes be worthwhile to pay for advertising.

Employing a diversified advertising strategy for your website can boost your traffic in a relatively short amount of time, provided that you stick with it. You'll get even better results if you can manage to get several articles out there each day; however, make sure that your marketing strategies are being effective before increasing your efforts towards them. The golden rule of marketing is that if it's working, keep it up - if it isn't, try something else.

There are also advertising agencies who can provide you with professional video advertising campaigns. They will make expert quality videos, complete with the use of good keywords and will even take care of the task of submitting these materials to the most appropriate sites. You can dramatically increase your traffic with these video marketing materials.








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Is it Corruption Or Incompetence?

Our leaders are acting like babies sucking on lollipops a sleep at the wheel, while the American people are divided. However, many of them are at fault for electing do-nothing politicians while the economy is still in the tank. President Barrack Obama is not the reason that this country is in the mess it is in because American's understand the complexity of the problems that are affecting them and there families before he was elected. It is not feasible to get all your information from the major networks like C-Span, CNN, Fox News, or any other media outlet because they are usually telling you what hot news is for the day. The listeners in this uncertain economy might not think that the news report reflexes the truth, because many news agencies rush to judgment before clearing the factors, not just a portion of the story; the true facts. This nation news outlet reported what former President George H. Bush and his Administration said regarding weapons of mass destruction in Iraq, which kick off a war of words and none of these non-partisan groups, were being unruly during his Administration at the level of anger like we see with the current Health Care Bill passed by Democratic Congressional members and President Obama. This country was brought to its knees with corporate corruption and massive spending in Iraq for a mission that the American people didn't want or was told to believe.

The destruction of Irag and the killing of Saddem Hussein never concluded any results from the horrific act of 911 nor did he have any weapons of mass destruction to harm the American people. Perhaps Saddem Hussein was a madman but Former President Bush and Donald Rumsfeld didn't think so when Congress and the former President Bush provided weapons to Iraq. Neither the public nor Congress thought to investigate beyond what Former President Bush was feeding the American people regarding trade or funding of weapons to Iraq. What did the American people gain from this? We got greed, incompetents, and corruption with AIG, MCI, Exxon, Halliburton, Banking Industry, Enron, and more that took taxes payers lifesaving, 401ks, retirements, jobs "went overseas", and homes before the news break the story. Many of the CEO's of these companies knew that they were breaking the law before the news media broke the story. We can't blame President Obama!

President Obama is very competent to help the American people but the members of the Republicans and Democratic Party need to understand each others needs and stop letting lobbyist dictate how they will vote or do business. Republicans and Democartics need to stop the blame game regarding each others and stop the corruption in-house. Our Congress needs to work or bargain with President Obama mafia style to pass real issues for the American people. This sound like a Mafia complex which was created in Italy in the 1800's originally as a group for resistance fighters for the people. Are we fighting for the people or against each other like they do in the streets? Have we resorted to animal's tendencies that spit on people of honor like Congressman John Lewis a pioneer of the Civil Rights Moments and a man that loves people and understands their fight for equal justices? Are the American people reflecting the Jim Crow, Bull Connors, and J Eager Hoover error of discrimination? We should disengage from these painful moments in our history during slavery and the Civil Rights Moment that affected everyone. The country is still healing from the horrific injustice of Native Indians, African Americans, and Hispanics that were in-slaved and in most areas still discriminated against with higher unemployment: 16.8, health care, and loans than our white counterparts in this country.

"The passing of Americas Health Care Bill, March 22, 2010 was like going to the bargain basement with Congressional members whom got millions of dollars for their states product and services for signing and voting for this bill. Sounds like Mafia bargaining techniques, twisting arms from block to block to get they point across and increasing congressional war chest."

What would Dr. Martin Luther King, Jr. or Gaudi say regarding the way the American people have been acting during President Obama office or Administration? Traditionally organization of criminal syndicate prey on our vulnerable and Former George H. Bush Administration did just that with instilling fear tactics and payoff to our elected officials to change they vote on the issues? Sound like the Mafia! Perhaps you can compare this fight for Health Care like Thurgood Marshall fought for equal education and civil rights in the courts for socially disadvantage and under-served citizens. We have a strong intelligent African American man "President Obama" in the White House with an African American woman "First Lady, Michelle Obama" beautiful woman by his side but the Republicans and their racial bureaucracy needs to get over its racist tones regarding our President Barrack Obama.

Racial matters in this country should not raise its ugly head, but we should have open discussion to eliminate racial ugliness steering down our throats in 2010. Many Black's and White American's relationship discard that discrimination is alive and well in the 21st Century, because they are trying to forget what happen with the injustice of minorities in America. Everyone should view the new documentary "Fare Game" produced by Mario Van Peebles. Perhaps Congress should watch this program and get a reality check on racial parity in this country and stop avoiding these matters.

The Republican Party with the help of some fellow Democartics and lobbyist have attributed to the downturn of this economy from 2000-2008 and now in 2010 the Democartics are in the majority and are still sitting on their hands. Yes, we have a health Care Reform Bill, but at what price and is it a good bill. That's for the American people to decide, but not in anger. If the Health Care Bill works for 85% of the citizens of America than we are in good shape. If the Republicans are still angry because they didn't pass a Health Care Reform package for their political future in the November elections with the American people they shouldn't start Congressional War in-house because they are disappointed. They should embrace the idea and help continue to fix a health care system that still needs mending with excessive waste in Medicare. We should work together and stop these misleading law suites against Health Care Reform lead by angry state Republican Governors like Sonny Perdue of Georgia and others, which originally turn-down stimulus money but they all took it anyway.

Where was the tea party activist during former President Bush actions to take us to war, with massive debt in everyone's pockets? Where was the tea party activist when the death of 4,000 plus U.S. soldier's and over 35,000 plus wounded from a war that was started by a lie. Where are the protestor's anger to help Veterans who lost everything when there came home in addition to the thousand of families that Former President Bush destroyed due to his actions of misleading us into war. The battle in Congress and in-house fighting in American should stop now and the discrimination among the people should stop as well. We will never be hold until we sit down and understand why it is so much anger among the people that we should love. Congressional members need to set a better example respecting one another and avoid showing the world that we are still fools living in the land of the free. Many European countries look up to us but we continue to show the world how foolish we really are.

We need to show our President respect and Congressional member's needs to stop shouting disrespectful words when he/she or any member of Congress is making a statement on the house floor. The rise of violence during the Health Care Bill and debate is what we see in drug related issues on the streets of New York, Mexico, Atlanta, GA, and others places with high crime violence. How should the Mafia or other corrupt organizations react when one doesn't do what he or she wants them to do? This violence is not acceptable now and it needs to stop. The American people continue to show their true colors by there actions of discriminatory abuse against people that are just trying to do a difficult job, but we should hold them accountable to making good solid decision for the American people but violence is not the answer. We are acting like organized criminals syndicate relying on muscle, direct threats, fear, ignorance, and overt acts of violence to achieve its goals. We should not use violence to get our point across but this country lives on it and it needs to stop.

We have destroyed families in Iraq and America despite the problems that were there before President Obama took office and we have blamed him for 8 years of depleting the American economy, when he wasn't in office then. That wrong! The only reason some white Americans are mad at President Obama is because he is a black man in the White House. Let's stop this act of discrimination and work with President Obama until he leave office in 2014 or 2018 to resolve the problems in America.

"Share the love and not the pain"








Dennis S. Murray Sr

Home Health Care - Selecting The Right Agency

Hiring a caregiver to come into your home to care for a loved one can be a very scary prospect. The thought of leaving a vulnerable senior or disabled adult alone with a stranger can add extra stress to an already difficult situation. Selecting a person or agency to provide these services takes research and time. There are really two ways to bring in home health care services, hire a person you find on your own, or work with a professional agency.

Professional Home Health Care service providers can basically be broken down into two different models, the registry model (Registry) and the employee based model (Agency). Both types can offer the services of home health aides (HHA's) certified nurses aides (CNA's), nurses (RN's, LPN's), companions and other services such as physical therapy (PT) and occupational therapy (OT) The question for many consumers, what is the difference and which type is right for them.

Nurses registries have been around since the civil war. In this model, an agency does all of the background work, such as interviews, criminal background checks, reference checks and any other checks they feel necessary. Once a candidate has been approved, the registry will refer them to the person in need. The caregiver is considered an independent contractor by the agency and not supervised directly by the agency. This is also called the consumer directed model as the consumer is the person in charge.

With the employee based model, the agency does a similar type of screening; however, instead of referring the caregiver to the consumer, the agency employs them.

Each model has its' pros and cons.

Pros of the registry model include


Cost of the service is generally lower than agency model.
Caregivers usually earn more, which tend to attract a higher quality of caregiver.
Consumer is in total control. They decide what gets done, when it gets done and how it gets done. They decide if the caregiver stays on the job or needs to be replaced.


Cons of the registry model include:


Person is not supervised by agency nurse.
Caregiver is not covered by WC insurance.
Family may be the employer and need to take out payroll taxes.


Pros of the agency model include:


Caregivers are covered by workers comp and bonded by the agency.
Caregivers are supervised by agency nurse.
Agency is always the employer and deducts all appropriate taxes.


Cons of the agency model include:


Cost tends to be higher.
Caregivers do not earn as much as those on the registry side.
Agency has control over when and where caregiver performs their duty. Agency can pull a caregiver if they need that person for a different case.


You will find supporters for both sides. It is up to you to decide which type of business is right for you. There are several professional resources which can also be helpful when doing your research.

To locate home health care services and read reviews about each business, go to caregrade.com caregrade.com

To learn more about nurses registries, go to privatecare.org privatecare.org

To learn more about employee based agencies, go to nahc.org nahc.org








Murphy Ortiz is the manager of Family Choice Home Care. Her agency specializes in Live-In home care throughout the state of New Jersey. To get more inforamtion about this article- or the service offered by -Family Choice, she can be contacted at

Basic Information in Planning For Foster Care Adoption

The foster care adoption system provides temporary family care and shelter to any child from birth to 18 years old. Most of these children are left to fend for themselves at a very young age. Some have parents incapable of providing their basic needs, a loving and caring environment. Some of the children have been through very rough experiences in their own homes like physical, emotional and sexual abuse as well as deprivation and other negative experiences.

It was currently recorded in the US that the average stay of children in their foster homes is 31 months. Half of the children get to be permanently adopted. The process to get into foster care adoption may vary, depending on the policies implemented by agencies and areas. The prospective foster parents undergo training and have to obtain a license. The process also involves a lot of paperwork, background check and a home study.

Parents are also provided stipends to contribute to the expenses entailed in taking care of the children. These include clothing, school supplies and toiletries. Supervised visitation of biological parents is also done in the foster care system. Length of the visit may vary.

Of course, foster care adoptions have its advantages and disadvantages. One advantage is that it reassures parents that they are providing a very positive contribution to children and their biological families. It also builds a strong emotional bond between the foster parents and the children; likewise, visibly benefitting both parties in the process. The state also provides compensation to the foster families.

There are some disadvantages also. First, both foster parents/family and children undergo the pain of separation, once and if a child is reunited to his family of origin. The stipend for foster parents is not enough to provide for the overall needs of the child. Hence, foster care adoption may also mean that foster parents have the resources to be able to tend to the needs of the child. Thus, emotional and financial strains may be created within the foster family. It also creates a feeling somehow that there is never enough support or resources for the children in foster care.

Foster care adoption may require a certain amount of money. Private and agency adoptions may require a starting amount of $5,000 to $40,000. The amount may vary, depending on the required documents the foster care adoption arrangements would entail. These factors include services, travel expenses, birthmother expenses, documents or other requirements from the state, among other factors. International adoptions costs go between $7,000 and $30,000.

In the US, the foster care system is not that costly though. One of the factors that determine the permanence of foster care adoption is the result of the rehabilitation of parents after a period of six months to more than a year. If there were very little or no changes seen after such time, parental rights are terminated (TPR). Before reaching this point, case workers must be able to tell whether the child's case is heading towards this direction. He is then transferred to a family that has an intention to permanently adopt him. The court will process the adoption commencing once the TPR is deemed effective. The adoption also entails that the right of the biological parent to know who the adoptive parents are becomes void. Although in many cases, adoptive parents were able to build a good relationship with the birth parents.








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Health Care Reform, Medicare and Medicare Supplement Insurance

There has been much chatter and concern about the new health care laws. You yourself may be wondering how the Affordable Care act will affect you and your Medicare Benefits.

It will please you to know that the new law will not cut your Basic benefits. In fact, it will actually make some benefits better. The free annual wellness checkup is a good example of this. Starting 2011, your annual checkup and certain preventative screenings, like cancer and diabetes will be provided at no cost.

The new law will work towards better care when you do get sick by investing in testing ways to improve coordination between providers for patients with chronic conditions who see multiple providers.

What if you are hospitalized? Money talks and Hospitals will receive incentives to make sure that you get the education to take good care of yourself and the services you need in your community. This will help facilitate a successful return home. It will also help you avoid returning to the hospital.

What about drug coverage? Good news there as well. For those of us on multiple, costly prescription drugs, the Part D donut hole looms large. The law started affecting Medicare Part D in 2010 with the $250 rebate for those who went into the coverage gap on their drug plan. In 2011 you will receive a 50% discount on name brand drugs during the coverage gap.

Over the next nine years the donut hole will be closed little by little each year. By 2020 there will be no more coverage gap.?

The law also addresses the issue of Medicare spending. Medicare spending is growing at a rate of 6.8% per year. The new law will not stop the growth but will slow it down over the next ten years to 5.5%. This sounds small but it is projected to save Medicare over 400 billion dollars over the next 10 years. How will this be accomplished?

Starting this year the law will reduce payment increases to providers such as hospitals, nursing homes, home health agencies. These providers expect to see increased profit due to newly insured patients. Many have agreed to accept these payments. The law will also have an effect on Medicare funding of Advantage Plans. While the Advantage Plans initially were expected to save Medicare money, it turns out that these plans actually cost Medicare over $1,100 more per person than original medicare. Higher premiums paid by Medicare beneficiaries pay for this over payment. The new law will lower these payments over time to bring the costs more in line with original Medicare.

If you are one of the 25% of all seniors enrolled in these plans,the decreases in funding may affect you in several ways. You may find that your plan increases premiums, eliminates extra benefits like eye glasses. You may even find that your plan stops offering Medicare coverage entirely. You can rest assured however. The MA plans can not eliminate any of the benefits that Medicare gives, only the extra benefits can be affected and if you lose your plan you will have the right to switch to another plan or back to original Medicare. The new law will not cause you to lose your basic Medicare benefits.

New revenues are also expected, mostly from taxes assessed on tax payers with incomes of $200K and up. These new revenues combined with the savings are expected to reduce the deficit by $124 billion over the next 10 years and keep the Medicare Trust Fund viable for an additional nine years.

These are just a few of the highlights. A look at the upside of the Affordable Care Act.








Stephanie Coutavas is an Insurance Professional specializing in Senior Insurance Solutions and Medicare Insurance. Co- founder and Senior Broker at MedicareQuote4U.com-Common Sense Insurance Solutions Group. Stephanie decided to specialize in Medicare because, "I saw the effects of the confusion and misinformation in the senior market. I really feel that with the proper,correct information, presented in an understandable way that our Seniors can position themselves for the future and achieve the peace of mind and security that they deserve at this exciting stage of life. We strive one client at a time to make sure that we address the individual and that they are better for having met us, regardless of whether they choose us as their broker."

Whether you are receiving Medicare Benefits before age 65, helping a parent or loved one or just not sure if there might be a better value for your health care $$$, we can help. Call us at 1-888-347-5552 to speak with a licensed Medicare Supplement Specialist or visit us at medicarequote4u.com medicarequote4u.com. We are your Medicare Supplement experts and we are standing by to help.

Wednesday, July 24, 2013

Is the Compact for Long Term Care Right for Florida?

The New York State Bar Association Elder Law Section has proffered an alternative means

of financing long term care that other states are watching very closely as it moves through

the New York State legislature. Last year, Senate Bill S. 3530-C passed the Senate

unanimously. Although the bill died at the end of the legislative session in June 2006, it has

been reintroduced as S. 116 this year. A companion bill is expected to be introduced into

the Assembly and, if a joint bill is approved, it would go to New York's newly elected

Democratic Governor Elliot Spitzer for signature.

The New York State Compact for Long Term Care (the "Compact") is a partnership between

private citizens and the government whereby private citizens pledge a stated amount of

assets to be used for qualified long-term care costs in exchange for a government subsidy

that will cover ongoing long-term care expenses. It attempts to present a fair deal to seniors

and persons with disabilities confronted with the dilemma of how to pay for long term care

costs by allowing them to avoid forced impoverishment (a requirement of the current

Medicaid program). After the pledged amount has been spent, the individual can retain a

certain amount of "protected assets" and a significant portion of his/her income. Individuals

who are found to be "chronically ill" as defined by the Health Insurance Portability and

Accountability Act would be eligible to become participants in the Compact. Medical

eligibility is determined by an independent agency that contracts with an insurer or is

approved by the state.

One of the primary benefits of the Compact is the flexibility it provides in allowing an

individual to use pledged assets and subsidy dollars to pay for any level of care, depending

upon need. Therefore, the individual will be able to choose whether to receive home care,

assisted living or nursing home care, a choice not currently available under the Medicaid

program in most states. In Florida, most people shy away from the home care program

under Medicaid due to financial restrictions and limits on the number of hours of home care

services that one can realistically hope to receive. This forces many people into assisted

living facilities, assuming they can qualify for the Assisted Living Waiver or Diversion Program.

If not, they may be forced into a skilled nursing facility even though their care needs can properly

be met in the home setting.

In order to determine the pledge amount, an independent assessment is performed by a

third party administrator. All assets must be included in determining the pledge amount

unless the asset is specifically excluded. For example, the home is not a countable

resource for purposes of determining an individual's pledge amount. Furthermore, no

recovery is permitted against the home at a later point in time. While this is already true for

Florida residents applying for Medicaid, this is not the case in most other jurisdictions. The

pledge amount is determined by multiplying 36 times the state divisor. In Florida, the

maximum pledge amount would be 36 x $5,000, or $180,000. If an individual possess more

than twice this amount, or more than $360,000, then the maximum pledge would be

$180,000. If the individual had less than $360,000, the amount of the pledge would be one-half

of the countable assets. For example, an individual with $250,000 would be required to

pledge $125,000. An individual can satisfy the pledge amount by purchasing an equivalent

amount of long term happinesslifetime.com care insurance.

Once the pledge amount has been spent on qualified long term care expenses, the

government subsidy covers the ongoing long term care expenses. At that point, the

individual would be responsible for 1) a 10% co-pay (equal to 10% of the cost for such

services), and b) 25% of his/her income. The ability to keep up to 75% of one's income

should allow many individuals to remain in their homes by freeing up income otherwise

payable to the state under the Medicaid program.

The individual benefits from this type of program by guaranteeing preservation of assets

and enhancing the available choice of services and providers. Certain individuals who

could not qualify for long term happinesslifetime.com care insurance would be able to become Compact

participants, filling an important gap in today's long term care system. The government

benefits by shifting the financial burden of the up-front costs for long term care onto the

state resident, receiving income from the participant and a co-pay, both of which will defray

costs once the subsidy begins, and allow providers to receive the Compact rate instead of

the Medicaid rate, an amount equal to up to 10% more than the Medicaid rate.

Since this is a pilot program which has not been implemented as a vehicle for those in

need, we cannot anticipate each and every challenge that may arise when this program is

put into practical use. For now, the Compact seems to offer many advantages over the

Medicaid program as outlined above while simultaneously allowing participants to take

personal responsibility for their long term care costs.. The Florida Bar Elder Law Section

and the Academy of Florida Elder Law Attorneys are taking a close look at the Compact to

determine whether it could represent a viable alternative to financing long term care in

Florida.








Howard S. Krooks, J.D., CELA, is a partner in Elder Law Associates PA, with offices located in Boca Raton, Aventura, West Palm Beach and Weston, Florida. Mr. Krooks is a certified elder law attorney by the National Elder Law Foundation as accredited by the American Bar Association. For more visit them at elderlawassociates.com elderlawassociates.com

Knowing How to Avoid Home Rental Fraud

Every tenant is very eager to move into their new house and most of them do it without thinking or judging correctly. Only when it starts raining and flooding, you realize that the house was a rental scam. You got cheated into a house that is not practical.

All renters should know how to deal with renting a home in the correct way. No matter what, you have to find the right home to live in and that should be your priority. Do not get taken up by the way a house or apartment looks. Rather you should be concentrating on the practicality of the house.

In order to avoid rental scams, ask your landlord a couple of questions. Take down the rental address and verify their driver's license and ID. Most landlords, especially the genuine ones, will ask for details from the tenant like their credit report or a driver's license as an ID proof. They do not accept incomplete information. They will also insist that you fill out a rental application. All these steps taken by the landlord show that he cares about whom he rents out his property to. If a landlord does not ask for any personal information, do not rent the property from him. Most probably it is a scam.

Advertising that you need a house for rent is not a bad idea. Sign up with an online home rental agency and let people contact you. If some landlord calls, you should also respond immediately. It shows that even you are genuine. This is how you build trust between two people.

When you are about to sign a long term lease, make sure that you are in complete understanding of the renter's agreement.








About Author:
Pauline Go is an online leading expert in the real estate industry. She also offers top quality articles like:
lasvegasbuyeragent.com/renting/index.html Liability for Landlord, lasvegasbuyeragent.com/renting/eviction/index.html Process for Eviction

Are There Benefits With Selling a Home by Owner?

Have you ever wondered if you would be able to sell your house yourself without the professional help of an Agency? Many people consider this option when they are ready to sell their own home. Selling a home by owner has a lot of potential for making money on the sale, but it also comes with having to learn and know a lot about the process of selling a home and the real estate market.

If you are trying to decide if selling a home FSBO, or for sale by owner is the right choice for you, you should know that the freedom of setting your own price and closing the deal on the sale can be fulfilling and put more money in your pocket. However, it can also mean having to obtain all of the necessary documents and legal paperwork to make the sale legal and binding. Selling a home by owner takes a lot more than putting a for sale sign up in your yard and waiting for the people to start flocking in.

Selling a home FSBO entails getting an appraisal and determining the fair market value of your home before you list it. You also need to fully understand the terms and conditions of selling a home. You will need to have a clean deed, which means that there are no liens out on the home for owed money. Only a clean deed is a valid transaction when selling your home. When you work with an Agency they can do this step for you so you do not need to worry if it is going to go through or not.

Although you would have to pay your Agency for their services if you decide to list it through an agency, you also have costs when you sell it yourself. The Agency will take care of the advertising and listing of your home typically, where if you sell it on your own; you will have to pay for any advertising yourself. The Agency also has the advantages to network through other Agencys to see if there is any interest from other potential buyers for your home.

Each home owner has the choice to decide which method of selling a home they think would be best for them. Selling your home FSBO can be a good way to make more of a profit from the sale, but it can also create a lot of work before you can sell it and make it a lot of work to complete the sale. Whichever method you choose, there is always going to be some amount of work and money required.








John is the author of Flat Fee MLS articles for flatfeeexperts.com Flat Fee MLS Listing You can find more information at flatfeeexperts.com Flat Fee MLS

Medicaid Overview

Medicaid, also known as medical assistance is a joint federal-state program that provides health insurance coverage to low-income children, seniors and people with disabilities. In addition, it covers care in a nursing home for those who qualify. Medicaid is a state administered program and provides more comprehensive coverage than Medicare, particularly with regard to nursing home care. However, not all nursing homes participate in the Medicaid program. There are no limits on the maximum length of a Medicaid recipient’s stay at a facility.

The Federal government pays roughly one-half of the costs, while the State covers the remainder. In Illinois, the agency that administers Medicaid is the Illinois Department of Public Aid (IDPA). In the absence of any other public program covering long-term nursing home care, Medicaid has become the default nursing home insurance of the middle class.

While Congress and the federal Health Care Financing Administration set out the main rules under which Medicaid operates, each state runs its own program. As a result, the rules are somewhat different in every state, although the framework is the same throughout the country. The following describes some of the basic rules regarding Medicaid in Illinois.

Resource (Asset) Rules

In order to be eligible for Medicaid benefits in Illinois a nursing home resident may have no more than $2,000 in "countable" assets. While a Medicaid applicant may be eligible even if these assets exceed the limits, the applicant will be required to “spend down” these assets. This means that the cost of care must be paid for by the Medicaid applicant to the extent that the assets exceed the $2,000 limit.

The spouse of a nursing home resident--called the 'community spouse'-- is limited to one half of the couple's joint assets up to $84,120 (in 2000) in "countable" assets (see Medicaid, Protections for the Healthy Spouse). The $84,120 figure changes each year to reflect inflation. In addition, the community spouse may keep the first $17,400, even if that is more than half of the couple's assets. These figures change annually and are found in the Department of Human Services policy manual. Basic Medicaid information is also available at [state.il.us/dpa/mednews.htm].

All assets are counted against these limits unless the assets fall within the short list of "non countable" assets. These include:

(1) Personal possessions, such as clothing, furniture, and jewelry with an equity value of no more than $2000. However, wedding rings, engagement rings and items required because of an individual’s medical or physical condition are exempt regardless of value.

(2) One motor vehicle if it meets any one of the following criteria: A) If it is necessary for employment B) If it is necessary for transportation for medical treatment of a specific or regular medical problem C) If it is modified for operation by or transportation of a handicapped person or D) If it is necessary because of terrain, remoteness or similar factors to provide necessary transportation to perform essential daily activities.

A motor vehicle owned by a nursing home resident is also exempt if transferred to a spouse. In all other cases the exemption is limited to $4,500.

(3) The applicant's principal residence, provided it is in the same state in which the individual is applying for coverage although some limitations, discussed below, exist.

(4) In Illinois, up to $1,500 of revocable burial expenses are exempt and up to $4,120 in irrevocable prepaid expenses are exempt. However, the amount of the revocable expense exemption is reduced by the amount of irrevocable expenses. In all cases, expenses for burial space or plots and other customary items such as a casket or headstone are completely exempt.

(5) Assets that are considered "inaccessible" for one reason or another. These assets often come in the form of specific types of trusts.

The Home

Nursing home residents do not have to sell their homes in order to qualify for Medicaid. In Illinois, the home will not be considered a countable asset for Medicaid eligibility purposes as long as the nursing home resident intends to return home. The home may also be kept if the Medicaid applicant's spouse, sibling, minor or disabled child lives there. However, if the applicant leaves the home with no intention of returning, the property must be counted as an asset.

The Transfer Penalty

The second major rule of Medicaid eligibility is the penalty for transferring assets. Congress does not want you to move into a nursing home on Monday, give all your money to your children (or whomever) on Tuesday, and qualify for Medicaid on Wednesday. So it has imposed a penalty on people who transfer assets without receiving fair value in return.

This penalty is a period of time during which the person transferring the assets will be ineligible for Medicaid. The penalty period is determined by dividing the amount transferred by what Medicaid determines to be the average private pay cost of a nursing home in Illinois. The period of ineligibility starts on the first day of the month of the transfer.

Example: If a Medicaid applicant made gifts totaling $90,000 in a state where the average nursing home bill is $5,000 a month, he or she would be ineligible for Medicaid for 18 months ($90,000 ÷ $5,000 = 18).

Another way to look at the above example is that for every $5,000 transferred, an applicant would be ineligible for Medicaid nursing home benefits for one month.

In theory, there is no limit on the number of months a person can be ineligible.

Example: The period of ineligibility for the transfer of property worth $400,000 would be 80 months ($400,000 ÷ $5,000 = 80).

However, the IDPA may look only at transfers made during the 36 months preceding an application for Medicaid (or 60 months if the transfer was made to certain trusts). This is called the "look-back period." Effectively, then, there is now a 36-month limit on periods of ineligibility resulting from transfers. This means that people who make large transfers must be careful not to apply for Medicaid before the 36-month look-back period passes.

Example: To use the above example of the $400,000 transfers, if the individual made the transfer on January 1, 1998, and waited until February 1, 2001, to apply for Medicaid -- 37 months later -- the transfer would not affect his or her Medicaid eligibility. However, if the individual applied for benefits in December 2000, only 35 months after transferring the property, he or she would have to wait the full 80 months before becoming eligible for benefits.

Exceptions to the Transfer Penalty

Transferring assets to certain recipients will not trigger a period of Medicaid ineligibility. These exempt recipients include:

(1) A spouse (or a transfer to anyone else as long as it is for the spouse's benefit);

(2) A blind or disabled child;

(3) A trust for the benefit of a blind or disabled child;

(4) A trust for the sole benefit of a disabled individual under age 65 (even if the trust is for the benefit of the Medicaid applicant, under certain circumstances).

In addition, special exceptions apply to the transfer of a home. The Medicaid applicant may freely transfer his or her home to the following individuals without incurring a transfer penalty:

(1) The applicant's spouse;

(2) A child who is under age 21 or who is blind or disabled;

(3) Into a trust for the sole benefit of a disabled individual under age 65 (even if the trust is for the benefit of the Medicaid applicant, under certain circumstances);

(4) A sibling who has lived in the home during the year preceding the applicant's institutionalization and who already holds an equity interest in the home; or

(5) A "caretaker child," who is defined as a child of the applicant who lived in the house for at least two years prior to the applicant's institutionalization and who during that period provided care that allowed the applicant to avoid a nursing home stay.

Congress has created a very important escape hatch from the transfer penalty: the penalty will be "cured" if the transferred asset is returned in its entirety, or it will be reduced if the transferred asset is partially returned.

Is Transferring Assets Against the Law?

You may have heard that transferring assets, or helping someone to transfer assets, to achieve Medicaid eligibility is a crime. Is this true? The short answer is that for a brief period it was, and it's possible, although unlikely under current law, that it will be in the future.

As part of a 1996 Kennedy-Kassebaum health care bill, Congress made it a crime to transfer assets for purposes of achieving Medicaid eligibility. Congress repealed the law as part of the 1997 Balanced Budget bill, but replaced it with a statute that made it a crime to advise or counsel someone for a fee regarding transferring assets for purposes of obtaining Medicaid. This meant that although transferring assets was again legal, explaining the law to clients could have been a criminal act.

In 1998, Attorney General Janet Reno determined that the law was unconstitutional because it violated the First Amendment protection of free speech, and she told Congress that the Justice Department would not enforce the law. Around the same time, a U.S. District Court judge in New York said that the law could not be enforced for the same reason. Accordingly, the law remains on the books, but it will not be enforced. Since it is possible that these rulings may change, you should contact our office before filing a Medicaid application.

Treatment of Income

The basic Medicaid rule for nursing home residents is that they must pay all of their income, minus certain deductions, to the nursing home. The deductions include a $30-a-month personal needs allowance, a deduction for any uncovered medical costs (including medical insurance premiums), and, in the case of a married applicant, an allowance for the spouse who continues to live at home if he or she needs income support. A deduction may also be allowed for a dependent child living at home. A deduction is also allowed for community spouse maintenance needs. The allowance in 2000 was $2,103 and is adjusted annually. This allows the Medicaid recipient to exempt some of his/her income for the purpose of spouse maintenance.

Example: if Mr. X resides in a long term care facility such as a nursing home and has monthly income of $1,600 and his spouse has income of $800 a month (from pension or social security for example) then the difference between the spouse’s $800/mo. Income and the $2,103 allowance (in 2000) may be contributed by Mr. X to his spouse and he may deduct that amount, up to the total allowance, from his income for asset calculation purposes. Under the facts of the example, this would allow Mr. X a $503 community spouse deduction and $30 personal needs deduction. The amount of Mr. X’s income in excess of the deductions ($1,600-$503-$30= $1,067) must be “spent down” or paid to cover the medical expenses each month. A similar deduction exists for dependent family members including dependent adult children, dependent parents or dependent siblings.

For Medicaid applicants who are married, the income of the community spouse is not counted in determining the Medicaid applicant's eligibility. Only income in the applicant's name is counted in determining his or her eligibility. Thus, even if the community spouse is still working and earning $5,000 a month, she will not have to contribute to the cost of caring for her spouse in a nursing home if Medicaid covers him.

Protections for the Healthy Spouse

The Medicaid law provides special protections for the spouse of a nursing home resident to make sure she has the minimum support needed to continue to live in the community.

The so-called "spousal protections" work this way: if the Medicaid applicant is married, the countable assets of both the community spouse and the institutionalized spouse are totaled as of the date of "institutionalization," the day on which the ill spouse enters either a hospital or a long-term care facility in which he or she then stays for at least 30 days.

In Illinois, the community spouse may keep one half of the couple's total "countable" assets up to a maximum of $84,120 (in 2000). Called the "community spouse resource allowance," this is the most that Illinois allows a community spouse to retain without a hearing or a court order.

Example: If a couple has $100,000 in countable assets on the date the applicant enters a nursing home, he or she will be eligible for Medicaid once the couple's assets have been reduced to a combined figure of $52,000 -- $2,000 for the applicant and $50,000 for the community spouse.

In all circumstances, the income of the community spouse will continue undisturbed; he or she will not have to use his or her income to support the nursing home spouse receiving Medicaid benefits. But what if most of the couple's income is in the name of the institutionalized spouse, and the community spouse's income is not enough to live on? In such cases, the community spouse is entitled to some or all of the monthly income of the institutionalized spouse as described above in “treatment of income.”..

In exceptional circumstances, community spouses may seek an increase in the income allowance either by appealing to the IDPA or by obtaining a court order of spousal support.

Estate Recovery and Liens

Under Medicaid law, following the death of the Medicaid recipient a state must attempt to recover from his or her estate whatever benefits it paid for the recipient's care. However, no recovery can take place until the death of the recipient's spouse, or as long as there is a child of the deceased who is under 21 or who is blind or disabled.

The IDPA is permitted to seek recovery of paid benefits in all of the benefit recipient’s probate property. Given the rules for Medicaid eligibility, the only probate property of substantial value that a Medicaid recipient is likely to own at death is his or her home.

In addition to the right to recover from the estate of the Medicaid beneficiary, IDPA must place a lien on real estate owned by a Medicaid beneficiary during her life unless certain dependent relatives are living in the property. If the property is sold while the Medicaid beneficiary is living, not only will she cease to be eligible for Medicaid due to the cash she would net from the sale, but also she would have to satisfy the lien by paying back the state for its coverage of her care to date. The exceptions to this rule are cases where a spouse, a disabled or blind child, a child under age 21, or a sibling with an equity interest in the house is living there.

Whether or not a lien is placed on the house, the lien's purpose should only be for recovery of Medicaid expenses. The IDPA may seek to enforce the lien at any time there is a transfer of the real property, in cases of fraud, or at the time of death of the owner.








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