Exploring the Limits of Respite Care Giving

Respite caregiver limits differ among different agencies. Sometimes you can contract individually with trained caregivers not working for an agency who is taking on clients. But even then, there are limitations imposed by liability insurance companies that cover workers.

Most care workers enjoy their time with patients and families and are glad to lend their helping hand, however, some things they cannot include as part of a respite agreement.

For example, hospice care is usually not offered. Under the umbrella of hospice care, the option of respite is available, but respite care only gives basic kinship caring. It is never identical with aspects of hospice help, which has more medical and spiritual components.

Nursing also is not included. Administration of injections and medication, running of tests, such as diabetes related blood glucose tests are an example of nursing functions. Nursing may be involved in respite care arrangements provided at adult daycare facilities, nursing homes or other venues where specialized caregivers are trained in patient primary health concerns.

Emergency medical care is also not part of such services, although all respite care workers need to be trained in first aid and CPR. If need occurs, a worker contacts appropriate medical responders. They will then provide emergency care or transportation to an emergency room.

Child daycare service for working parents is not considered. Parents of children with special care during the workday may wish to find a purposely outfitted daycare center. Similarly, a worker is not a handyman or a housekeeper, and shouldn't be expected to do any home repair or housekeeping.

Ensuring you know in advance all the expectations and details of the respite caregiver will make the experience better for all involved.

Read my guide to respite care [medopedia.com/respite-care/guide] for more complete information.

Visit my blog Medopedia.com to read how to choose respite care providers [medopedia.com/respite-care/provider-choosing].

Independent Living Aids For Seniors

Independent living is generally seen as a philosophy and way of looking at disability and society. The aim is to work for self-determination and equal opportunities. The philosophy promotes the fact that people with disabilities are the experts in their own needs and take initiative to take political power.

Centers for Independent Living are springing up al around the United States in order to teach people with disabilities to take more initiative over their lives. Peer support groups and Independent Living Skills classes are being established to allow caregivers and patients to take more control.

The Independent Living philosophy runs on the fact that people with disabilities have the same right to participation, degree of freedom, control and self determination. Depending on the level of disability of the patient, support services such as financial assistant, assistive technology and personal assistance are seen as being necessary to achieve the same level of independence.

Over the recent years, the IL movement has spread from North America. There are also many people who are proposing Aging In Place initiatives. Independent living can often be achieved through an incorporation of universal design principles, telecare and other assistive technologies.

The purpose of these programs is not to have to move from place to place and being familiar with the community allowing people to age in place. There are now Certified Aging-In-Place Specialists in place to help wit the growing need of this service model for seniors. More and more home health happinesslifetime.com care agencies are being developed to fill the need for non-medical or custodial care.

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The Secrets to Own Your Property in Spain and Canary Island

For over 17 years I live in Lanzarote, one of the main islands belonging to the Canary archipelago located in the Atlantic Ocean about 100 km off the Moroccan coast. Who else has not dreamed of owning his own property in the sun and particularly in Spain and the Canary Island?

You have to be relatively careful if you decide to take the big step and buy your property in Spain. Remember the latest scandals in Marbella and Lanzarote, where many homeowners find themselves in the uncomfortable position of knowing if their properties are legal and if a notice of demolition is happening.

Here are some tips for buying your property in Spain:

At first you'll have to decide on the use of your property: do you intend to rent it to tourists, to rent it to residents or to live permanently in Spain? Depending on your choice you will need to define your needs for the vicinity of a school, hospital, and recreational activities.

Once your specific situation, you can begin contacting a local estate agency to visit the most property in the area that interests you. Try to come back at several times and on different days, questioning neighbors about the quality of the environment and locality. Double-check at the trustee if applicable, the general conditions to see if your favorite animal, or tourist rental are permitted and especially if the former owner has paid all his bills with the trustee.

It should be noted that in Spain the trustee may object to a sale and even appropriate your property in case of dispute.

Once all these small checks done, you'll need a lawyer to verify first if the estate agency is competent and above all to be very sure that all legal titles are valid and that there is no mortgage or other expenses linked to this property.

Don't be ashamed to ask the different lawyers you will meet if they are really specialized in property laws.

Do not neglect this step especially in Spain because it often happened that the properties are resold several times that the building permit is not valid and other mishaps. Make sure also if all bills including electricity and water have been paid, because those debts in Spain are always attached to the property and not to the owners.

Also make a little visit to the town hall to check that local taxes are up to date and make sure that in the near future there are not important projects related to your village or your home.

Those are the main points to check when buying your dream home in the sunny Spain. Choose a good real estate agent and a good lawyer: that is the secret of your success. Remember as well, it will take about 10% extra on the purchase price for notary and lawyer fees.

See you soon in Spain!

Freddy Lanz has been writing articles for nearly 4 years. Come visit his latest website over at paradiseislandlanzarote.com paradise island Lanzarote which helps people find the best paradiseislandlanzarote.com/lanzarote-hotels.html hotels in Lanzarote and information they are looking for when visiting the Canary Islands.

Hiring a Home Care Provider

For many people, the ability to live out their final years in the comfort of their own home is a heartfelt wish. It can be possible with the help of a great home care provider. Many people find that when they age, they need help with certain aspects of their life but do not need the full time care that a retirement or nursing home provides. There are many helpful guidelines that can be used when looking to hire a caregiver. The following are suggestions for a successful partnership with a home care provider:

1. Find a provider that is associated with a reputable agency or association; this can provide safeguards in case something goes wrong with the relationship

2. Home care giving agencies should be licensed, bonded, and insured; all associates of the agency should be professional and ethical

3. Discuss all financial aspects up front to make sure that the patient can afford the care and will not be surprised by unexpected costs; check to make sure that the patient's insurance, including Medicare if applicable, is compatible with the providing agency.

In addition to choosing some type of agency or provider, the individual home caregivers need to be chosen carefully to make sure they are a good fit for the needs of the patient. Some additional requirements include:

1. Interviewing the candidate to see their personality and whether they get along with the patient

2. Discuss any physical requirements of the job such as lifting, cleaning, or driving; make sure they have a valid driver's license if driving is part of the job

3. Check any references provided by the caregiver

4. Discuss any boundaries of the job, such as whether the caregiver may make personal calls or have personal visits while working at the patient's house

5. Every patient is different; determine whether the caregiver can handle any specific issues with the patient such as dementia, diabetes, or other concerns.

It may be tempting to make all decisions for the patient, especially if their mental capacities are diminished, but it is important for the patient to feel like they are a part of the hiring process. Let them evaluate the choices and offer their opinions, where appropriate.

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Transitional Living Homes As A Real Estate Investment

What exactly are Trans Homes? Transitional living homes provide short term housing to homeless individuals who are on a low income housing program. These housing programs are provided by multiple state and local agencies to assist individuals with low incomes, one such program is the Section 8 Housing Choice Voucher program.

This program is targeted to people with sufficient income but no money saved for security deposits or fees. Trans Homes residents are selected from individuals who are in situations of homelessness due to extreme financial hardships, abuse and addiction. This type of housing is also frequently used program for those re-entering society from a corrections facility and those needing rehabilitative services. Residents usually stay in the Trans Home from 6 to 18 months.

Transitional homes are not a permanent housing solution for the homeless; halfway houses provide long term housing solutions to the homeless and are a totally different investment.

How does it work as an investment?

There are two ways you can go about investing in Transitional Living Homes. You can either run the entire operation yourself (including forming a non-profit corporation, working directly with the state and federal agencies, finding, screen and managing clients) or you can outsource the entire operations and focus on just owning and managing the property.

Unless you are dead set on running a group home, it is better to partner with Community Services Provider who already runs Trans Homes and are looking for houses for their clients. This gives you the opportunity to make this a truly turn-key investment.

The Community Services Provider will find, screen, place and manage the Trans Home residents. They collect the rent and then pay you. In each home there is one resident chose to be the on-site manager, giving the Community Services Provide eyes and ears in each home. The homes tend to be well maintained. Residents who do not abide by the rules of the home can and will be kicked out of the home and risk losing their government subsidy. Along with on-site management, this provides significant incentive for the residents to take care of the property.

Why turn key investments?

Turn-key investments are the only way to truly passive income. Passive income allows you to fund your live style and allow you to pay for the things you want now and allow you to put money away for things you will want in the future. A turn-key investment minimizes your time and efforts needed to generate an income.

What kind of government regulations apply to my investment home?

Unlike Adult Foster Care Homes, there are no government regulations on the home owner other than providing a clean safe home with a city certification. But that is a totally

What is the demand?

At this time there is an almost unlimited demand for space inside a Transitional Living Homes program. This is one of those investments that are aligned with the current economic trend. The additional economic hardships that are coming will only increase the demand for this type of housing as more people become homeless due to job loss or reduction of income from working less.

How is the home managed?

Assuming that you "outsource" the Community Services Provider portion of the business, you would be responsible for only the home. That includes home repair, home maintenance, snow removal and lawn care.

Opportunity to give back

Unlike with most investing there is a tremendous opportunity to help people who are homeless while at the same time create outstanding investments. This is investing at its best.

What are the exit strategies?

There are two basic Trans Homes exit strategies. The first one is base on the basic premise of the program, which is to help homeless individuals integrate back into society by helping them get a job and own a home. The goal is to get one of the residents in the home to a point where they can carry a mortgage and subsequently purchase the home where they are living.

The second option is the provide 30 day notice to the services provide to vacate the premise. It will usually take another 30 day to relocate the current residents. So in about 60 days you can be in a position to sell the home.

How much money can I make at this?

Let me give you an example, a house in Detroit that would normally generate about $850 a month income will now get over $1,920 a month income when converted into a Trans Home. The best part of the story is not the income but the profit.

That home in Detroit will have about a $700 / mo holding cost. So your profit is only about $150 / mo. When you make it a Trans Home, you profit goes from %150 / mo to over $800/ mo! That is over a 5 fold increase in profits.

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Home Care Specialists - What Are They?

Home Care Specialists are dedicated men and women whose job is to provide personal care services to individuals so that they may continue to lead productive lives at home or in their community. The recipients of services provided by Care Specialists are typically senior citizens who are looking to continue leading an active lifestyle, but need some assistance with daily activities such as medication disbursement, meal preparation, housekeeping, grooming and even transportation. Home-Care Specialists work very flexible schedules in order to accommodate the needs of their patients, and are often available as a live-in companion, overnight caretakers or just on an as-needed basis.

Most companies that provide Home-Care Specialists run extensive background checks and interviews on potential caretakers in an effort to provide their clients with individuals who are safe, reliable and most of all compatible with the needs of their care recipient. Anyone who is looking to hire a Home-Care Specialist should be aware that these individuals are not certified to provide medical care, like a visiting nurse, but are caregivers who are trained to assist with housework, physical care, personal hygiene and monitoring daily prescription intake.

When choosing to employ a Home-Care Specialist, one should always discuss the idea with family members, friends and local assistance agencies so that everyone who is involved will have input as to what the real needs of the recipient are. Once a Home Care-Specialist has been employed then the time should be made to spend a day in the household with the caregiver in an effort to get them accustomed to daily routines. They are going to need a written list as well as oral instruction into the lives of the person who they will be assisting. Home Care Specialists are meant to be non-intrusive to the lives of their client and by being well informed of their likes and dislikes this will make for a smooth transition once care begins. Ideally, the person chosen as the Home Care Specialist will be available whenever the need for their services arises but a back-up plan should always be in place to cover absences due to illness or vacation.

A family member, friend or neighbor should always be available in case the Home-Care-Specialist is not able to meet a particular need. Quite often, the agency that hired your Home-Care-Specialist will be able to provide an alternate caregiver as a replacement for the day, but it should be known that many care recipients are apprehensive about having a stranger in the home, other than their assigned Home-Care-Specialist, and may not be comfortable with even a short-term replacement. The ideal Home Care Specialist will become an extended member of their client's family and a personal bond will be created that provides the patient with a sense of trust, security and assurance that they are being well taken care of. If the proper amount of care is put into choosing a Home Care Specialist, then the end results will be a pleasant situation for all involved.

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Who Is Caring For Your Carers?

When your carers go out on a call how do you check that they are where they say they are? Or have even arrived and departed safely?

By using a system like IQTimecard, you will have peace of mind knowing that your carers are turning up on time for every call, therefore caring for your clients correctly. Whilst also ensuring that you as an employer are complying with all the necessary Health & Safety Legislation, so that your employees are protected when out on a home visit.

A system like IQTimecard helps you manage your workforce, through our fully integrated T&A scheduling features. Therefore any last minute changes or unexpected delays or absences are easily managed. As the timeline tab clearly displays any member of staffs' availability and current hours, consequently any replacement staff can be easily identified and contacted, with little disruption and maintaining standards and client confidence throughout.

The system allows employers to relocate staff to any department or location within the system easily to avoid the unnecessary extra cost of agency staff.

By using the unique employee code assigned to every individual employee the system can auto-populate employee timesheets. Consequently, you as the employer know exactly when your carers arrive and leave and it saves on the time taken collecting, verifying and transferring the timesheets to the payroll department / system. Our system effortlessly takes care of calculating staff wages, and has the facility for full Sage integration; therefore all your payroll department would need to do is check and approve the final figures.

A Time & Attendance system like IQTimecard, gives you the ability to view reports with the scheduled, actual and paid hours each day and if an employee didn't work exactly what they were scheduled, they can quickly approve or amend the online timesheets. Automatic capping rules can be set up to penalise late arrivals / early finishes and pay rules manage the overtime rates. This means that employee times are reduced or increased appropriately to ensure that employees are always paid correctly. Therefore IQTimecard provides you with accurate hours and pay rates for payroll purposes in a fraction of the time it takes to manually process a timesheet, saving you both time and money. As a result IQTimecard is perfect for you if you want to reduce time spent on administrative tasks such as employee scheduling and calculating wages, enabling you to make significant savings on your labour bill instantly, and ultimately benefiting the clients and you the employer.

Unique IQ have developed IQTimecard, iqtimecard.uniqueiq.co.uk Time and Attendance solutions for companies across the UK. Please visit iqtimecard.uniqueiq.co.uk iqtimecard.uniqueiq.co.uk for more information.

Caregivers - Finding Good Home Care For Your Elderly Loved Ones

Being a primary caregiver takes a lot of time and effort, especially if someone is caring for a person with Alzheimer's. Caregivers can easily get burned out or suffer health challenges of their own if they don't get regular breaks. Even if your family is well equipped for caregiving, its important to be familiar with the many home care services that are available today for the elderly. Taking advantage of these services may give you the occasional day off or vacation that you need, without putting undo stress on your family or friends.

Even if you have other siblings that assist you in caring for a loved one, there are times when they are not available or something unexpected comes up. At these times, being familiar with companies or caregivers that specialize in providing home care services for the elderly can be just what you need. Each local area normally has some companies that offer a wide range of living assistance services. Normally, you can find these by using a search engine like Google or Yahoo and searching for the word "caregivers." However, there are also companies that provide home care services for the elderly throughout the United States. Here are some nationwide, senior care service providers, that you may want to consider.

Visiting Angels

Sometimes you may feel like a nursing home or retirement center is your only option. Visiting Angels specializes in non-medical home care services for the elderly, allowing them to maintain as much independence as possible in familiar surroundings. They have over 300 offices across the country to serve you. Their website is: visitingangels.com visitingangels.com.

Cargiver Needed

Search by state for caregivers, nurses, and sitters. Nurses are available for pediatric and geriatric care. They offer both non-medical and medical care for the elderly and for children. Both live in and live out caregiving options are available. Their website is: caregiverneeded.com caregiverneeded.com.

Right at Home

A national, in home care assistance agency, that provides trained, insured and bonded caregivers for a wide range of elder care services. They can provide home health care from as little as a few hours to 24-hours a day. Services include: caring companionship, meal preparation, light housekeeping, bathing assistance, respite for family caregivers, and much more. Their website is: rightathome.net rightathome.net.

I hope that some of these resources are helpful to you in your role as a caregiver. This is just a few of the many resources that are available for today's caregivers. Over the years we have been blessed to have family members and close friends that have teamed up with us to care for a loved one with Alzheimer's. However, utilizing other caregiver resources, at times, has afforded us with much needed breaks, while still providing excellent care for our loved one.

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Rich Herman has been providing support for caregivers for over 8 years. He provides caregiver tips and caregiver resources on his website: caregiver-support.com caregiver-support.com.

Elderly Care - A Way of Help to Feel the Freedom

Everyone likes independence whatever he is old or young. When any young man or woman gets older, there is a chance to lose of independence in his/her life. They need some medical facilities, personal care, hygiene food and medical treatment.

No one wants to stay alone and be a burden on anyone. When any senior person goes to nursing home, he faces this situation of loneliness and making adjustments with the situation. It will give more stress in his life and individual's health.

But there is a substitute of nursing homes and that is home help of elderly people provided by home care agencies. Care givers visit the home daily and provide home assistance. Home help services are less expensive than nursing home services.

If your parents or elderly people wants to stay at home and do not want to go at nursing home then in this situation you can find a home care giver or nursing aides who can serve you at your home - whatever, 5 hours a day, 10 hours a day or full day. You can save your money also by using home help services which will cost you ? 10 to ? 20/hour in UK or you can go for particular home care service providers' site where hourly rates are mentioned according to services.

It is always important to make your loved ones happy and give them a familiar atmosphere around them in home. Home care services include laundry, washing, first aid, shopping so care giver works as family member who cares you in any critical situation. It includes bathing and dressing also. If you are thinking to plan about future aspects then you must know that there is another option of nursing homes. Senior care agencies and consultancy services can help you to maintain your loved ones lifestyle according to them.

So independence is what everyone needs whoever male or female, young or old and home care helps everyone to feel the freedom.

Author is an online marketer in the Ireland based company. He loves to write on different topics. Now he is sharing information on bluebirdcare.ie Elderly care and bluebirdcare.ie Home help. Please visit bluebirdcare.ie for more information about this topic.

Be an LPN, Enroll in LPN Programs!

LPNs or Licensed Practical Nurses are becoming in demand today. It's undeniable that there have been several changes in the factors that affect healthcare, and these changes have opened the door for licensed practical nurses to be portraying an important role in the society.

An LPN (licensed practical nurse) or in some states referred to as LVN (licensed vocational nurse), is someone who provides care to the patients but within the supervision of a registered nurse, a physician or other licensed health practitioners. An LPN can do routine tasks such as vital signs, bathing the patient, feeding the patient, and other technical skills, which do not require advance critical thinking skills such as nursing assessment, planning of nursing interventions and evaluation of the nursing care done.

Although LPNs also have to think before responding to a particular clinical situation, the registered nurses are usually the ones who are allowed to do health assessment, provide a nursing diagnosis, do evaluation, and perform health teaching. But this is not a reason for LPNs to sit pretty in a couch, as the work of an LPN also demands a coordinated way of thinking and skills to meet the needs of the patient.

There are many reasons why the need for licensed practical nurses may increase, but the most essential factor is the increase in the population of the elderly. According to the US Census, the approximate number of citizens above the age 65 in year 2020 would boom up to 53 million. This population group mostly needs nursing care and support because the elderly are the common persons who have long-term illnesses. But even if an elderly doesn't have any serious, debilitating disease, he or she may still need to receive assistance in doing daily activities. An elderly also needs someone to be active in promoting his or her safety at home. Licensed practical nurses can work in nursing homes or hospitals to care for these elderly patients.

LPNs are generalists - meaning, they can work in any healthcare setting or clinical area. LPNs can work in nursing homes, doctor's offices, outpatient care centers and happinesslifetime.com in home healthcare. On average, the mean salary of an LPN with a work experience less than 1 year is from 27,245 to 39,598 dollars. This figure increases as the work experience increases too. There are many colleges, hospitals, vocational schools, and other independent health agencies that provide practical or vocational nursing programs. Usually these LPN programs last for 9 or 12 months and provide both classroom and clinical exposures. At the end of the program, the graduates need to take an NCLEX-PN license.

On the other hand, LPN programs are not only limited to the four corners of a classroom, as online LPN programs are also available and are becoming a trend nowadays. An online program gives one the convenience of studying at home plus, eliminating the hassles of conflicting schedules. For my information about LPN programs, kindly visit this site, and find out everything about the LPN online experience!

Do you want to do the online onlinelpnprograms.net LPN program course? Visit lpnprogramsonline.net lpnprogramsonline.net and read more about LPN Programs, including the LPN Refresher Course educating yourself before deciding which career to take.

Foster Care - Alternative for Gay and Lesbian Couples

Finding proper foster parents for the many children living in state custody is an on-going battle. Some families are happy to take in foster children in the hopes they find a supportive environment until they are legally adopted. It takes a generous soul with a unique ability to overcome heart ache to offer a home of this sort. Other faster parents find they have grown so attached to their foster children that they adopt the children and remove themselves from the fostering system. Gay and lesbian couples didn't always have the "right" to open their homes to foster children, but growing concern about children growing up in orphanages and group homes has forced the foster care system to open the doors to gay and lesbian couples.

Why Were Gay Men and Lesbians Not Allowed to Foster Children?

The foster care system is based on the same laws as the United States government. As little as 10 years ago, gays and lesbians were allowed no legal rights as couples or as parents. Great advances have come in the last 5 years when experts started realizing the positive impact gay and lesbian couples could have on the lives of children who otherwise would be lost in group care for all of their young lives.

Gay and lesbian couples who wish to be parents have the option to apply as foster parents. They will have to undergo the same rigorous application process complete with home visits and references. Once approved, foster children will be assigned to the home and parents given a stipend to help cover care and expenses.

Foster care is not a permanent situation and children can be removed from foster care for a variety of reasons. If the foster parents no longer wish to care for the child, they can ask for reassignment. Other reasons a child may be removed from the home include personal wishes of the child or restoration of parental rights.

Some children stay in foster homes for many years without ever being adopted by the foster parents. Others remain in a foster home for years only to be pulled from the home by a biological parent leaving the fostering couple devastated at the loss of a child.

Gay and lesbian couples who wish to open their homes as foster parents need only apply at the local agency for approval. Some states are more respectful of gay and lesbian rights and others are not.

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Amos Grunebaum M.D. is a practicing obstetrician and gynecologist in one of the top 10 hospitals in the United States. In addition to providing pregnant women researched information on pregnancy at babymed.com BabyMed.com, Amos specializes in babymed.com/gay-and-lesbian-pregnancy gay parenting.

Family Caregiver - Part 1 - Caring For Elderly Disabled With Parkinson's

We are married 32 years, so there were good times before he became ill. I have no degrees or titles than enable me to offer these tips for Parkinson's care except that of being the family caregiver to my husband. For the last 12 years we have lived with this disease. In the beginning he was only mildly affected but over time his disease has progressed to him being a wheelchair patient. For the first 6 years I was his sole care giver, living with and getting to know his limitations that changed from day to day.

He was 71 years old, I, 22 years younger, was 49. (He is now 82, I am 60. ) My career came to an abrupt halt as I stayed home to be the family caregiver for my husband. In desperation I searched frantically for assistance to cover his medications and help to adapt the house to his needs. Everywhere I tried, either there was no program to help us or we were only dollars from being eligible. Finally one day I made the right contact at the PA Department of Public Welfare Area Agency on Aging for our county.

I had tried there the previous year and was told there was no program to help. I called there again and again every few months. On my last call I coincidentally timed it at the beginning of a new program and was able to get my husband enrolled. The program was not for Parkinson's disease patients only, but for any senior that might otherwise be placed into a nursing home. The goal of this program is to keep the senior patient in their home, out of a facility, as long as possible. We have been enrolled 6 years. This program has been a life saver, life changer.

I am still the family caregiver but this resource

* has provided for us a Certified Nursing Assistant (CNA) to help me care for him and enable me to regain a few hours a day of my own.

* helped us make adaptations to our home so he can use the bathroom and stairs.

* has given him prescription coverage.

I strongly urge you to seek help from this agency if you are or have a senior that needs assistance. There are other agencies that may be able to help in different ways. Keep knocking on doors, making phone calls.

Our age difference has benefited this relationship and how we are able to deal with the demands of his condition. If I were older, I would not be physically able to care for him at home. The weird part of this, if it was me that was sick, because I am not a senior (yet), I would not be eligible for these programs. Some of you may be in this position, and I don't know what advice to offer to you.

Hopefully you will find the help you need. By the way, being family caregiver in my house also includes two senior Black Labrador retrievers aged 11+, who are on medication. Could the family help? We have no children. My husband has four children by his previous marriage, of whom only one keeps touch with him. She cared for her mother-in-law until she passed away a few years ago. She knows what is involved in caring for her father, but does not have the time due to her other commitments.

I do try to keep her in the loop when his condition changes and she does offer moral support. We all seem to have at one time or another the responsibility of being a family caregiver. Dealing with his varying conditions has given me reason to create some interesting items that help me to care for him.

Please visit my web site caregiversaide.com caregiversaide.com/ to see my Patent Pending Skid Seat, my Bed Sled reusable bed pad and related items you may find useful in caring for your loved one. Thank you.

Caring for my husband these 12 years has given me a genuine understanding and sympathy for other caregivers and their individual situations. I am always looking for a better, easier way to help him through the day. If he's happy then we're both happy.

Karen Shiffert is the inventor and manufacturer of the Patent Pending Skid Seat (R) developed in the course of caring for her physicaly disabled husband. Her company, Caregiversaide,LLC offers products she has either developed or discovered to help her care for her husband.

Visit caregiversaide.com caregiversaide.com/ to view her products and accompanying video demonstrations.

Why People Look For Free Online Business Opportunities

Everybody thinks about money. It is a basic fact of life that even the happiest people need it. People need it to eat, pay the bills, and send their children to school. In this day and age, people can find ways to make money in a variety of ways. Some people even find the way to do so by using the internet to find free online business opportunities.

Using the internet to make money is not a new concept. However, there seems to be a boom in the number of people taking advantage of the World Wide Web's different resources. The reason for this may lie in the fact that while some people enjoy going to the office and meeting new people and to do their work, others may find it constricting to work in an office environment. They'd rather work from the comforts of their own home. And then there also others who take advantage of the free online business opportunities that the internet offers to supplement or to add to their income. The money that they make from their regular jobs simply isn't enough or is barely enough to pay the bills and to meet other needs. The money that they make out of having an online business may go a long way and give them some room to breathe in with regards to their finances.

Searching over the internet for these kinds of opportunities can yield many results. If a person takes the time to go over each search result, they may find that there are a number of ads offering them the opportunity to make money online for a small fee as an investment. While people are free to decide if they want to invest in this kind of opportunity, they may also want to check-out some of the available free opportunities also available. This is because people want to earn more and spend less. These kinds of opportunities (whether they're free or not) varies depending on your expertise or the kind of opportunity that you want to take.

Some ways that people can earn money online is by doing some freelance work. They can offer their services in things like web design, photography, transcription, or other things that they're good at or have had some experienced in doing. Aside from offering their services, people can also choose to sell items over the internet. They may also avail of the different forums, blogs, and social networking websites to promote these goods and services. The venues of doing so are endless if one knows where to look.

Like most things in life, there are also some things to be aware of when pursuing online business opportunities. First off, people have to be careful and wary of each opportunity that may catch their eye. This is because there are some unscrupulous people in the world today who look for ways to make money out of an unsuspecting victim. These kinds of people think of different ways to scam people and, unfortunately, some of these scams have found their way to the internet. There are some sites which promise to return your investment twice or even triple the value but instead don't pay you; the worst case scenario being that the company has suddenly disappeared leaving the victim helpless as to get their money back. Although there are some agencies and companies that have been set-up to safeguard online transactions, there are some transactions which still get past these companies' watchful eyes. To avoid these kinds of scams, a person is advised to do thorough research on the company that he/she is interested in and, if possible, gather and read the feedback of those people who've worked for the company before.

A person can make money online. There are lots of opportunities found on the internet. Some of them come at a price and some are free online business opportunities. All it takes is the patience and the perseverance to pursue and achieve your goals and dreams. However, you also have to be careful about some of these opportunities. It's better to be safe than sorry, as they say.

Everybody thinks about money. It is a basic fact of life that even the happiest people need it. People need it to eat, pay the bills, and send their children to school. In this day and age, people can find ways to make money in a variety of ways. Some people even find the way to do so by using the internet to find free online business opportunities.

Using the internet to make money is not a new concept. However, there seems to be a boom in the number of people taking advantage of the World Wide Web's different resources. The reason for this may lie in the fact that while some people enjoy going to the office and meeting new people and to do their work, others may find it constricting to work in an office environment. They'd rather work from the comforts of their own home. And then there also others who take advantage of the free online business opportunities that the internet offers to supplement or to add to their income. The money that they make from their regular jobs simply isn't enough or is barely enough to pay the bills and to meet other needs. The money that they make out of having an online business may go a long way and give them some room to breathe in with regards to their finances.

Searching over the internet for these kinds of opportunities can yield many results. If a person takes the time to go over each search result, they may find that there are a number of ads offering them the opportunity to make money online for a small fee as an investment. While people are free to decide if they want to invest in this kind of opportunity, they may also want to check-out some of the available free opportunities also available. This is because people want to earn more and spend less. These kinds of opportunities (whether they're free or not) varies depending on your expertise or the kind of opportunity that you want to take.

Some ways that people can earn money online is by doing some freelance work. They can offer their services in things like web design, photography, transcription, or other things that they're good at or have had some experienced in doing. Aside from offering their services, people can also choose to sell items over the internet. They may also avail of the different forums, blogs, and social networking websites to promote these goods and services. The venues of doing so are endless if one knows where to look.

Like most things in life, there are also some things to be aware of when pursuing online business opportunities. First off, people have to be careful and wary of each opportunity that may catch their eye. This is because there are some unscrupulous people in the world today who look for ways to make money out of an unsuspecting victim. These kinds of people think of different ways to scam people and, unfortunately, some of these scams have found their way to the internet. There are some sites which promise to return your investment twice or even triple the value but instead don't pay you; the worst case scenario being that the company has suddenly disappeared leaving the victim helpless as to get their money back. Although there are some agencies and companies that have been set-up to safeguard online transactions, there are some transactions which still get past these companies' watchful eyes. To avoid these kinds of scams, a person is advised to do thorough research on the company that he/she is interested in and, if possible, gather and read the feedback of those people who've worked for the company before.

A person can make money online. There are lots of opportunities found on the internet. Some of them come at a price and some are free online business opportunities. All it takes is the patience and the perseverance to pursue and achieve your goals and dreams. However, you also have to be careful about some of these opportunities. It's better to be safe than sorry, as they say.

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Everything You Wanted to Know About Home Care But Were Afraid to Ask

A senior tsunami is on its way. Since the year 2000 the national population of those 60 years old and older has grown by 11% It is estimated that by the year 2015 the 85+ population will increase by 65%

And to the majority of seniors there is nothing sweeter then home. Statistics show that most seniors want to remain in their home close to family and friends. Be it that they are living alone or with family, a change in their physical or mental condition, whether sudden or gradual over time may make it necessary for them to receive assistance with the activities of daily living.

So they want to stay home but they need some level of care, what do you do? The answer would be to consider the services of a home care agency.

What do you look for when considering a home care agency?

An agency should be licensed. It is required in most states. Accreditation by a nationally recognized accrediting body such as the Community Health Accreditation Program (CHAP) is extremely important.

The agency should be able to assist you by referring fellow professionals such as Elder Care Attorneys, Social Workers or Geriatric Care Managers should the need arise. This is something you long distance family members should consider.

Look for an agency that has been servicing the community for a substantial amount of time.One that has a thorough application process and that trains their own employees. One that adheres to strict written personnel policies, has nurses on staff to evaluate the patients care and communicates with the family and patient's physician about that care. Are available 24 hours a day seven days a week.

Now the all-important question-who pays for the services?

Although most Americans over the age of 65 are eligible for Medicare they must be homebound, under a physicians care and require nursing or therapy services in order to receive home health services. This usually occurs after a person has been hospitalized. In most cases the hours will be short and not on a long-term basis. An established agency contracts with all the hospital based Certified home health agencies in their areas of service and will be on a list provided by the discharge planner.

For those needing care on a long term basis there is Medicaid, provided they are financially eligible. In order to meet those requirements you may need to enlist the help of an Elder Care Attorney or Medicaid Specialist. A reputable agency should be able to refer you to one.

Most health insurance policies do not pay for what is known as custodial care. For that you would have to have purchased a Long Term insurance policy that had been set up to ensure you can get the care you need in the home. Look for an agency that verify your coverage and has experience working with insurance companies. It is important that they(the agency) be willing to provide the proper paperwork to help ensure payment of services.

In all other instances the family must pay out of pocket. Again, a reputable home care agency should inform you of their rates for all the services they provide, make it clear how they intend to bill and how much of a deposit they required and how it is applied. It also helps if they accept credit cards.

Having this information will enable you to ask the pertinent questions of the home care agency and more importantly the person you are speaking to should be able to answer them. This will help ensure you make the best choice for yourself or your loved one.

Gloria Stanziola
Community Ambassador
Personal Touch Home Care Services

7 Basic Tips When Buying Long Term Care

Long term care is the types of assistance you will need especially when the day comes you are unable to take care of yourself because of prolonged illness or disability. It can include help with activities of daily living like bathing, eating or dressing with the means of specialized care facilities such as nursing homes, care agencies at home, day care adults, respite care providers and others.

And since there has been a stiff demand of LTC nowadays, the search for a good care provider gets a bit tedious as well. To help ease the search, here are some basic tips to remember when buying for a long term care.

Explore several insurance companies and agents

It is advisable to check with several companies and agents before you buy. Be sure to compare the advantages, limitations and definitions, exclusions and premiums.

Take your time and look for the outline of coverage

Do not let anyone scare you or make a quick decision. Compare outlines of coverage from different companies. Ask around for better options.

Be aware of the various types of policies offered to you

Make sure you know what the policy covers and what it does not. If in doubt, ask your agent before buying. This way, you get to acquaint yourself with the benefits and limitations of the policy you eye to acquire.

Do not buy more than one policy

Analyze what is most necessary and don't go overboard. A long-term care insurance policy which covers both institutional and community-based care is enough. Doing so helps you stick with your resources and prevents you from spending too much.

Review your policy carefully

If you have questions about your insurance, contact your insurance agent for clarification.

Never believe agents who say your health history is not important

Be sure to fill out the application completely and accurately. If an agent completes the application for you, do not sign it unless you have read and ensure that all medical information is correct. Information about your health is wrong; the company may refuse to pay your claims and may even cancel the policy itself.

Don't be fooled by advertisements

Insurance providers nowadays make use of celebrities in endorsing their services just to attract potential consumers. Remember, these people are not insurance experts so it is better if you do not let yourself be misled by such advertisements.

These are only seven guidelines to mention and there are still a lot more. But to ensure you are making the right choices, make these basic tips as your guide in finding the right LTCi you need.

Learn what completelongtermcare.com long term care insurance is and see the different kinds of long term care policies to choose from. Get the latest update and completelongtermcare.com/news long term care news today.

Homeowners Insurance Search - First Time Homeowners Insurance Basics

Homeowner's insurance basics

If your a new homeowner or have never shopped for home insurance but want to find the best rates possible for home insurance, you have came to the right place. After this article you will know more about how to find homeowners insurance providers. In addition to that you will find out some home insurance coverage basics and tips.

What type of coverage should the homeowner be looking for?

It would be in the best interest of the homeowner to find the best policy possible to cover one of your most valued assets. If you want premium coverage the you must find an insurance company that offers a way for the homeowner to compare rates of both types (contents coverage and home coverage) of both types of coverage combined.

Its fairly easy to find these insurance quotes, because home coverage is something that is a necessity. Not having it can be very costly and risky, this is an absolute must have. Because this is a service that is of great demand, it isnt hard to find.

3 ways to search for a homeowners insurance agency-

Newspaper ads-The classified ads section advertises exact rates that some would pay or a price range a homeowner could save if they choose to get their home covered through the company advertised.
The yellow pages- The yellow pages are swarming with home insurance resources
Insurance websites-The internet provides the ultimate solutions for home insurance, offering information about rates, premiums, discounts and free homeowners insurance quotes.

Home insurance tip 1 - Your homes Replacement Cost

When evaluating home insurance the homeowner must always keep in mind not to insure the home based off the market value alone. You must think far ahead of the game and get your home covered for the cost it would be to rebuild it. When you consider the replacement value of your home, your already saving money by not over insuring your home. The internet offers a few free resources that allows you to discover the monetary value of your home as well as the market value.

Home insurance tip 2 - Don't forget about your Contents insurance

Contents coverage is insurance that covers your personal belongings of value. Most content coverage policy's limit the amount of things that you can have covered under the same terms, but this is very thoughtful coverage to have.

Home insurance tip 3 - Whats not insured

Evaluate everything of value that you dont have coverage on. There is nothing absolutely wrong with at all covering your behind. Create a checklist to be sure that you have all your insurance needs taken care of. Document all the things that you dont have covered so that you would be able to prioritize whats most important.

Protect yourself with liability coverage-homeowners liability insurance

Its never a bad idea to have liability coverage on your property, this type of coverage covers the homeowner if someone random slips and hurt themselves on the homeowners property. These policys are for the most part cheap and can be even cheaper if you apply it through an umbrella policy. The overall saying for homeowners liability insurance is its better to be safe than be sorry.

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Consumer-Directed Or Agency-Directed Home Care - Which Model is Best?

Seniors and their families throughout New Jersey and the Philadelphia area suburbs use home health care services to remain living independently in their homes. Home care services, such as live-in caregivers and hourly companions allow seniors to age in place for as long as possible. There are basically two different models of home care, the registry (or consumer directed) model and the employee based (or agency directed). Both types can offer a variety of services to consumers, including nurses, home health aides, physical and occupational therapists, and companions. Each model has its pros and cons.

For most people, their first introduction to home care is through a referral by their physician, a discharge planner, social worker or geriatric care manager at discharge from a hospital stay or after finishing rehabilitation at a sub-acute center or rehab facility. People generally are not aware of the difference between consumer directed care and agency directed care.

The consumer directed care model is fashioned after the nurse registries that have been around since the civil war. In this model, an agency completes background checks on the candidate, such as criminal background checks, reference checks, interviews, social security checks and any other checks the agency feels necessary. Once the candidate is approved the agency will then refer them to the client in need of service. In this situation, the consumer is in charge, thus the term consumer directed model. They have the power and control to tell the caregiver what, when and where they want their services performed. They also decide how much they are willing to pay for services. Since caregivers set their own rates and families dictate what they are willing to pay, one of the registries main jobs is to find a good match between the two. Because the registry takes a much smaller fee than an agency, it is usually possible to make both the consumer and caregiver happy financially, thus creating a mutually happy relationship

The other model of home care is the agency directed care model. The agency directed model evolved out of the government funded programs that pay agencies to be the provider of services. With the agency directed model, the agency recruits, hires, trains, supervises, disciplines and sets the rate it charges patients and the wages it pays the caregivers. The agency would also develop the plan of care for the patient and selects the caregiver(s) to provide the care.

There are advantages and disadvantages to both models of home care. You need to decide which type of business is right for you or your loved one. Some of the advantages of the registry model are:

The cost of service is usually lower than the agency model
The client decides who provides their care, what services will be provided, and when service is provided
The caregivers typically earn more, therefore attracting a higher caliber caregiver
The client can obtain service on a long term, emergency, short term, or respite basis
Once the client selects a caregiver, the agency doesn't have the authority to reassign that caregiver. The client determines if/when service ends.
The registry can serve as the liaison between client and care provider

Some of the disadvantages of the registry model are:

The care provider is not supervised by an agency nurse
Most caregivers carry their own liability insurance but are not covered through the agency for worker's compensation. The consumer should check with their homeowner's policy as this often covers injuries in the home.
The caregiver is working as an independent contractor and is therefore responsible for filing their own taxes. Depending on the situation, the client/family may be the employer and need to take out payroll taxes which can be easily set up with a payroll service.

Some of the advantages of the agency model include:

The caregivers are is always the employee of the agency
The agency deducts all taxes
The caregivers are supervised by an agency nurse

Some of the disadvantages of the agency model include:

Costs tend to be higher
Caregivers, being paid by the agency, don't earn as much as those with registries
The agency determines who is assigned and reassigned to each client. This means the agency can pull a caregiver from your job in order to place them in a different position, even if you are very happy with your caregiver.
Family has less control over how services are performed.

There are supporters to both the agency and registry models of home care. Each person seeking care for themselves or a loved one needs to decide which model they are most comfortable with and which meets their needs best.

Murphy Ortiz is the manager of Family Choice Home Care. For more information about senior safety or home health care in New Jersey or Philadelphia, go to [familychoicecares.com] or call 856-273-7700