Saturday, December 7, 2013

Nanny Cams - A Toy for the Voyeur, or a Necessity for Every Parent?

John and Melissa were enjoying their dinner at a local restaurant. It was the first time in six months that they had gone anywhere without their newborn baby.

Melissa spoke up, "I hope we did the right thing, leaving our baby alone with the new nanny". In a calm voice John replied, "Honey, it's been a long sleepless six months. We deserve this night out. And besides, I'm sure our nanny is qualified to take care of our little girl for one night".

"You're right" Melissa said, "let's just enjoy this dinner". But a few moments later Melissa's cell phone rang; in a panicked voice Melissa said to John "WE HAVE TO GO NOW! SOMETHING'S HAPPENED TO OUR BABY! Without hesitation, they flagged down the waiter, paid their bill and headed for home as fast as they could.

When they arrived home, their nanny explained that the baby had rolled off the couch and hit her head on an end table. "She seemed O.K. but I called the doctor anyway," said the nanny. "He's on his way over here right now".

With suspicion running through her mind, and not knowing what to believe, Melissa immediately went to her bedroom and turned on the monitor to her DVR (Digital Video Recorder). Weeks earlier, Melissa had purchased a hidden nanny cam disguised as a teddy bear, after hearing a story in the news about an abusive babysitter. In a few seconds she had her answer, the baby did just roll off the couch. That didn't make it ok, but Melissa wanted to trust her new nanny and now she felt a little more certain that she could.

It is always difficult for a parent to turn over the care of a child to someone else, and every parent who does so has concerns. Hidden cameras are one way of alleviating some of that worry.

Nanny Cams are just another name for hidden cameras. They are usually disguised as part of the décor in a room. These days, technology allows us to create cameras that are small enough to fit into many everyday items, such as stuffed animals, flowerpots, and even kitchen appliances.

Nanny cams have become very popular in recent years for good reason. With the rise in domestic violence against children, you don't have to be paranoid to want to keep an eye on things while you're away. There have been many news stories centered on hidden cameras that have recorded a caregiver in the act of abusing a child.

Nanny cams are not only small and discreet, but they are also becoming more affordable than ever before, so you can purchase more than one to maintain surveillance in multiple rooms of your home.

With a DVR (Digital Video Recording) system, you'll be able to monitor and record all of your hidden cameras from one central location.

Experts say it is generally legal to use a hidden camera that records video without the consent of the nanny. However, the laws vary from state to state on whether you can record audio. Before taping conversation without consent from your nanny, check the laws in your state.

To protect your nanny's privacy, and to make the best use of your nanny cams, only place hidden cameras where she will be interacting with your child. Never place nanny cams in bathrooms or private bedrooms. This would be considered as voyeurism and in most states you could be charged with of invasion of privacy.

Nanny cams have many uses other than just monitoring nannies or caregivers.

Nanny cams can also be used for watching over your child while they are sleeping, monitoring them while they are playing alone or monitoring your older teenager while they are home alone with friends.

Hidden cameras have also been used to catch cheating spouses in the act, and they are very popular with private investigators and law enforcement agencies that use them for covert operations.

Even if you do not suspect any type of abuse or misconduct from your child, nanny or spouse, the peace of mind in knowing there is not a problem is well worth the cost of the camera.








SA Rubin is the owner of North American Security Products, LLC. A company dedicated to providing you with the means to protect and defend yourself against crime. For more information on nasecurityproducts.com/hidden-cameras.htm Hidden cameras, visit nasecurityproducts.com/hidden-cameras.htm nasecurityproducts.com where you?ll find a complete line of surveillance equipment for your home and business. Copyright: 2006

Home Remodelers - Your Ultimate Guide

All over the United States, home remodelers are highly in demand. These are groups who offer services to remodel, renovate, or improve homes. This high demand for home remodeling services is caused by the busy schedules of people who can hardly find time to improve their own houses. Because of this, home remodeling agencies and companies can now be easily accessed anywhere. In fact, several of the most trusted home remodeling companies have put up their online offices and websites for clients to reach them and do consultation even from the confines of their own homes.

Home remodelers normally offer the following services: vinyl siding, vinyl replacement, bathroom remodeling, window installation, and many more. Asking help from companies like this could do people a lot of benefits, especially those individuals with extremely hectic schedules. First, they could be assured that their home improvement needs are being attended to by professionals. Workers employed by these companies have undergone a rigid training to provide high quality services. Second, clients would not have to worry anymore about not having to find time to personally beautify and protect their homes. Home remodelers could be contracted to do and apply the improvements precisely the way customers want them done in your homes. Consultations are usually done before the actual day of the installation so you could freely have your instructions and specifications directed.

Aside from improvements done inside the house, home remodeling companies also offer garden enhancement and perfection. In fact, many of these companies regularly hold home and garden shows to showcase the services they offer.








Home Remodelers
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Home Alarms and Carbon Monoxide Poisoning Prevention

Carbon Monoxide is known as "the silent killer." It's a toxic but odorless gas. It's dangerous because many different household items can produce it in high enough levels to potentially be fatal. Fortunately, it's possible to prevent carbon monoxide poisoning. It's possible to add a carbon monoxide detector to your home alarm system that measures the levels of this dangerous gas. It's important to understand how the gas is produced and what to do in case of accidental exposure. That's the best way to protect yourself and your family.

According to the CDC, carbon monoxide kills approximately 450 people each year and there are up to 21,000 exposures to the gas every year. A detector that measures levels of the gas in your home is essential. Sensors monitor how many parts per million of the gas are in the air. If it reaches a dangerously high level, your home alarm will sound to notify you that the gas has exceeded safe levels.

If the carbon monoxide level in your home rises too high, open all windows and doors to help ventilate the home. Notify the appropriate emergency agency, usually the fire department. It's probably best to stay outside while awaiting their response. If someone in the home has been exposed to carbon monoxide, seek emergency medical care. Symptoms are similar to the flu and include headache, nausea, shortness of breath, and dizziness. These should improve immediately upon evacuating the home and breathing fresh air outside, but medical attention is still important.

A home security system can alert you to rising or dangerously high carbon monoxide levels. There are also various things that can be done to prevent gas levels from rising in the first place. When you first purchase a new home it should be inspected to make sure that all fuel burning appliances including kitchen equipment, heating appliances, and fireplaces are all safe to use. Never use an appliance for something it isn't intended: for example, don't use a cooking stove to heat a home. Never use any type of barbeque or gas grill inside the home or in a garage. Electric generators should also always be placed outside, not in the house or garage.

Other precautions can help protect your home as well. Kerosene and gas heaters should only be used with some kind of window open to ventilate the room from any burning fuel. When having a cozy fire in the fireplace, make sure the flu is open first. Never leave a car turned on in the garage, even if heating up the engine make sure to back outside. The exhaust is a major source of carbon monoxide.

Understanding the different sources of carbon monoxide within the home allows you to take all necessary precautions to prevent accidental exposure. Keeping your home and all fuel burning appliances well maintained by professionals is also extremely important. Your home alarm system can do a great deal to help protect you from toxic gases, and in the case of accidental exposure always evacuate the home immediately.








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Home Improvement Loans - Ultimate Care Of Homes

One of the greatest desires of every human being is to have a home for himself.A place where he could reside peacefully with his family. Place that would save him from the outside world. A place that would be special because of memories that would so enliven a non-living structure. Memories, good and bad, that play such an important part in everyone's life and without which no life can be said to be complete.

However, if only by possessing a house one thinks that one has tided all the problems then one is sadly mistaken, for a house requires tremendous care to keep it in good shape. It is easy to understand, a house braves dust, dirt, inclement weather, rain and snowfall, it therefore becomes mandatory that after years of wear and tear a structure is renovated properly so that it retains the strength to brave all that nature has to throw.

Here lies the problem, for the cost of living has gone up dramatically. So much so that one has to carefully deliberate on every penny that one spends. No one today can dare to spend a day flaunting his monthly budget. It, therefore, is very much possible that one does not have enough funds with him to finance the renovation. It is here that Home Improvement Loans comes into effect and ensures that one is never short of funds to repair one's house. Arrival of several private financial institutions have increased the option for people, who till very recently relied only on government agencies for loans.

However, arrival of private loan giving agencies can actually work as double edge weapons. If people don't do proper research before deciding as to which agency should they go for loans, they might end up applying at a place they shouldn't have and court trouble. It, therefore, becomes mandatory for people to do proper research and apply only at such places the conditions and interest rates of which one is comfortable with.








The author is a business writer specializing in finance and credit products and has written authoritative articles on the loan industry like Secured Loans [shakespearefinance.co.uk/], Unsecured Homeowner Loan [longdogfinance.co.uk/unsecured-homeowner-loan.html] etc.

The World of Nursing and What It's All About

Nurses provide skilled health care to patients in a variety of health care settings, including hospitals, nursing homes, assisted care homes, schools, day care centers, public health agencies or urgent care centers. Nurses must have a diversity of skills that include not only health care but health care management, counselor, advocate for the patient and at times, equipment technician.

A career in nursing starts with the desire to help people. A nursing candidate must have a caring nature, the ability to work under pressure, excellent problem solving skills and the physical endurance required to run at full tilt most of the time caring for patients or providing health information.

Most nursing positions require a Bachelor of Science in Nursing (BSN) degree from an accredited school along with state licensing through a comprehensive exam, usually taken sometime after graduation.

Once educated and licensed the sky is the limit for a nurse with drive and ambition. Nurses can expect to find employment in traditional patient care in hospitals, nursing homes, assisted care facilities, school nurse, or urgent care centers.

However, the world of nursing goes beyond the walls of a hospital or doctors office. Nursing opportunities can be found in a variety of places and here are a few of the many.

Nurses may find employment with their local Board of Health and work to educate the public on health care issues that minimize health risks and promote a healthy life style with proper nutrition and exercise. They often focus on a particular segment of the population such as children or the elderly.

Complimentary Health Care Nursing is a growing field also called "alternative" health care. This is an alternative to traditional western medicines known as allopathic medicine. These alternative health care measures may include chiropractic massage, acupuncture, herbalism, nutrition and reflexology as a way of treating illness and disease. Many nurses practice these alternatives themselves or work in clinics with such practitioners. This type of health care is believed to be an up and coming field of nursing.

There are well over a million people incarcerated in prisons today and like all other parts of the population require medical care from time to time. It takes a special kind of person to become a nurse in a prison and work with those unfortunate to be in prison. Due to the population and the element involved it is not a traditional medical setting. Before considering taking on a nursing job in a prison setting, it is recommended to have a few years experience.

Perhaps your calling in the nursing field is to teach. You have gained valuable experience in the nursing field and want to pass that knowledge along to an up and coming crew of aspiring nurses. Usually a master's degree is required to teach. Teaching is an ideal way to combine your love of the profession and the satisfaction of helping to improve the profession. Lack of qualified nursing instructors is one of the reasons there is a shortage of nurses today. It is also another reason why nursing programs have waiting lists - there just aren't enough good teachers to go around. If you aspire to influence the profession of nursing, teaching could be for you.

An Occupational Health Care Nurse can usually be found in a factory or similar setting that employs a large number of people. Having a nurse on staff for a large population is more cost effective than sending an employee to a clinic or emergency room for non life threatening injuries or illness. An additional duty for these nurses might be to outline health and safety programs, wellness programs and holding seminars to promote work safety.

Alcohol and drug addiction are such wide spread problems in today s society a segment of medical care can be dedicated just to that field. A Substance abuse nurse works with individuals who are caught in the nightmare of substance abuse. Nurses may work in a detox clinic, a rehab clinic or counseling. A nurse who chooses this field of nursing is absolutely dedicated to helping folks escape the web of substance abuse and putting their life on the road to recovery and becoming a productive citizen. It can be very rewarding to see a success story unfold before your very eyes but equally as frustrating when that story relapses back to destructive ways.

Perhaps your niche is managing people. You have good management skills and enjoy working in the administrative part of nursing as an Administrative Nurse. Hospitals, as well as other care facilities, nurse staffing companies and health care providers often will employ a nursing administrator to coordinate and manage the nursing staff. A prerequisite for this job is clinical nursing experience, perhaps a master's degree and good management skills.

The world can always use more Visiting Nurse's and perhaps that is where you're calling lies. Visiting Nurses do just that; provide visitations to patients that require help with everyday tasks or patients that need short term help due to surgery or illness. Often the presence of a visiting nurse will enable the patient to stay in their own home rather than a hospital or other care facility.

There is a wide variety of nursing opportunities for those who want to work outside of a hospital setting. If you take just a moment to look around, you will find something that a little out of the ordinary that suits your character.








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Gardening Tips and Tricks For Late Autumn

Preparing for the Winter Months: Gardening in October

When you feel that first solid bite in the breeze and you see the songbirds winging their way south, and the trees are bursting with fire-laden hues, you know you can't be spending the weekend curled up by the fireplace with a good book. Not for long.

While the weather is still gardener-friendly, you must shorten your "to-do" lists for the coming of late fall and early winter. Now is the time to attack your lawn and garden by planting your spring bulbs, buying and maintaining your trees and shrubs, doing your late autumn lawn care, using common-sense watering strategies, building a compost bin and making your own compost, controlling the many common garden pests, and winning at the weed-whacking war before the sudden onset of the fickle, cold and all-enveloping winter season.

Planting Your Perennials

Plant the spring-flowering bulbs until the ground becomes frozen, and prepare your tender but tenacious perennials for the coming seasonal changes. Remember that in the milder climates, bulbs can still be divided and transplanted. Plant hardy bulbs anytime before the soil freezes, but it's best to plant them early enough so the root systems can grow before winter arrives. In some climates, you can plant until Thanksgiving or even Christmas. Late-planted bulbs develop roots in the spring, and may bloom late. But they'll arrive on time by next year.

Be sure to position the bulbs at their proper depth. They must be planted so their bottoms rest at a depth two-and-a-half times each bulb's diameter. In well-drained or sandy soil, plant an inch or two deeper to increase life and discourage rodents.

Choosing Your Trees and Shrubs

October is a wonderful time to shop for trees and shrubs at the nursery. They're now showing their best and brightest colors there. You can plant them now and over the next few months, so that strong, healthy roots will grow over the winter.

You must carefully plan out your landscape to choose which trees you wish to plant for providing proper lawn coverage and the most beautiful scenery. When an appropriate tree is purchased, selected and planted in the right place, it frames your home and beautifies your land, making both more enjoyable. Trees can greatly increase the resale value of property, and even save you on energy costs.

Visualize your new trees at maturity while realizing that some trees develop as much width as height if given enough space to develop. Picture each tree's size and shape in relation to the overall landscape and the size and style of your home. Trees peaking at forty feet do best near or behind a one-story home. Taller trees blend with two-story houses and large lots. Trees under thirty feet tall suit street side locations, small lots and enclosed areas such as decks and patios.

There are two basic types of trees you will be considering for purchase. Deciduous trees include large shade trees which frame areas with a cool summer canopy and a colorful autumn rack of superior colors. In winter, their silhouettes provide passage for sunlight. These trees can shade a southern exposure from summertime heat, and allow winter sunlight to warm the house. Evergreen trees have dense green foliage that suits them for planting as privacy screens, windbreaks or backdrops for flowering trees and shrubs. But they are handsome enough to stand alone. They do not lose their leaves, called needles, and provide year-round shelter and color. You should be sure to include a wide variety of both kinds of trees in your landscape to avoid losing them to diseases or pests. Buy disease- and pest-resistant trees.

When buying a tree, look for healthy green leaves if it has any, and also well-developed top growth. Branches should be unbroken and balanced around the trunk, and on dormant or bare-root stock they should be pliable. Examine the roots, which should form a balanced, fully-formed mass. Reject trees with broken or dried-out roots. Avoid trees showing signs of disease, pests or stress such as wilting, discoloration, misshapen leaves, scarred bark and nonvigorous growth. Consider the size of the tree. Young trees have a better rate of success when planted, and most flowering trees grow quickly, so start with less expensive, smaller specimens. And be sure and buy all your plants from a good quality nursery with a decent reputation.

Don't prune a newly planted tree unless its form needs improving. Prune flowering trees in spring, after blooming, to correct unsightly problems. Crab apple trees are an exception and should be pruned in late winter. But you can remove diseased or dead branches anytime of the year, and much of this is done during the winter. Apply fertilizer when needed in the second and subsequent growing seasons. Mulch to conserve moisture, reduce weeds and eliminate mowing near the tree. Spread wood chips or bark four inches deep and as wide as the tree's canopy around the base. But don't mulch poorly drained over saturated soil. Wrap tree trunks after planting to prevent winter damage from weather and pests. And stake young trees, especially bare-root trees and evergreens, to fortify them against strong winds. Stake loosely and allow the tree to bend slightly, and remove stakes after one year.

Shrubs are often planted and used merely as foundation plants or privacy screens. But shrubbery foliage is vastly more versatile, and can go a long way toward livening up your landscaping. Countless varieties of gorgeously hued and beautifully leafed shrubs are available through nurseries and garden catalogs.

You must start by learning what varieties thrive in your area. Try visiting your local arboretum, where you may view different kinds of shrubs and decide whether they fit your gardening plans. Decide what overall look you want at different times of the year, and then find out which shrubs will be flowering, producing berries or sporting colorful foliage at those times. Compare what you find to the inventory at your local nursery, and ask the professionals who work there lots of questions.

Understand the characteristics of each shrub before you plant it. Flowering and fruit-bearing shrubs enhance a new home, but improper pruning and care will ruin the beauty of all your hard work. Some shrubs bloom on second- or third-year wood. If you're maintaining a shrub because you're hoping it's going to blossom, but you're cutting off first-year wood every year, it's never going to bloom.

Some varieties are a foot tall at maturity, while others reach over fifteen feet. A large shrub will usually require more pruning. Also determine the plant's ability to tolerate various soil conditions, wind, sun and shade. You don't put a plant that's sensitive to the elements in an open area. Use hardier plants to shelter it.

Not all shrubs work in every climate. Witch hazel, for example, blooms in fall or winter and is hardiest where minimum temperatures range from thirty degrees below zero to twenty degrees above. It would not be a good choice for very dry, hot climates. But some shrubs such as buddleia, hydrangea and spirea perform well across a wide range of growing zones.

Late Autumn Lawn Care

Aerate lawns in mid- to late-October, while the grass can recover easily. If you core aerate, make your cores three inches deep, spaced about every six inches. Break up the cores and spread them around. If your lawn needs it, thatch and follow with a fall or winter fertilizer. Even if thatching isn't needed, your lawn will be happy for a dusting of fertilizer to help roots gain strength before the spring growing season. Overseed bald patches or whole lawns as needed. Rake and compost leaves as they fall, as well as grass clippings from mowing. If left on the ground now, they'll make a wet, slippery mess that's inviting to pests.

Good gardeners use heavy-duty molded plastic for shaping neat edges of beds. You can buy these from garden centers, nurseries and mail order suppliers in rolls of flat, four- to six-inch-tall plastic, and the edging installs easily. You'll save yourself countless hours of removing grass and weeds that otherwise creep into your beds.

Watering Your Lawn and Garden

You can't forget about watering in the middle of fall. The summer's long over, but proper moisture now is key to your plants' survival over the cold winter months. You're likely to hear two pieces of advice on watering. One is that you should give established plants an inch of water per week, whether from rain or irrigation. The other is that personal observation of your own garden is the only way to judge how much water it needs. One fact about which there is more agreement: the ideal is to maintain constant moisture, not a cycle of wet soil followed by dry soil.

Although overwatering can be as big a problem as underwatering, most gardeners err on the side of too little. Your needs will vary through the year depending on the rate of evapotranspiration in your garden. Evapotranspiration refers to the two ways that plants lose water. There's evaporation, the loss of water to the air from soil, water and other surfaces. Then the other way is called transpiration, or water lost primarily from the leaves and stems of the plants. You can often obtain evapotranspiration rates for local areas from water departments and other agencies. You will see a graphic description of how a plant's natural need for water changes during the growing season.

In the meantime, keep these pointers in mind:

1) Water when it's needed, not according to the calendar. Check the top six inches of the soil. If it's dry and falls apart easily, water. Your plants will also show signs that they need water. Wilting, curling or brown leaves mean that your plants may lack adequate water. Meanwhile, bear in mind that excess water creates a lack of oxygen in plants, making them show similar symptoms to underwatering.

2) Water slowly, not more than one-half inch of water per hour. Too much water can be lost to runoff. This is why handheld watering cans or handheld hoses generally work only for watering small areas.

3) Water deeply. With established vegetables and flowers, six inches is a minimum. With trees and shrubs, water one to two feet or more. Shallow watering does more harm than good; it discourages plants from developing the deep roots they need to find their own water. Except when you are watering seedlings, soil should never be wet only in the top layer.

The increased use of piped municipal water and the invention of sprinklers have made mechanical irrigation the most commonly used watering method, particularly for lawns and large areas. Sprinkler irrigation works best with well-draining soils and shallow-rooted plants, or where a cooling effect is desired. But sprinklers have several disadvantages. They waste water, since much of it is sprayed on areas other than the root zone around the plant. Because much of the water is thrown high in the air, loss due to evaporation can be significant. Sprinklers can also foster fungal diseases and other problems with some plants such as roses that don't like having wet foliage. Sprinklers require good water pressure and are best used on plants which are not in bloom. Several types of sprinklers are available.

Building a Bin and Making Your Own Compost

A bin will contain your compost pile and make it more attractive as well as keep it from spilling or blowing over into your yard. A circular or square structure can be made from fencing wire. The idea is to push the compost material together to make it heat up and rot properly. The bin should be at least three feet wide and three feet deep to provide enough space for the spreading material. Use untreated wood or metal fence posts for the corners and wrap sturdy wire fencing around them. The fence mesh should be small enough that rotting materials won't fall out. When the compost is ready, unwind the wire and scoop from the bottom of the pile. Then re-pile the undecomposed material and wrap the wire back around the heap.

Many hard-core gardeners feel that three compost bins are the best for serious composting. By building a trio of bins you can compost in stages: one bin will be ready, one will be brewing and one will always be starting. Installing a cover, such as a plastic tarp or a piece of wood, helps to cut odor, control moisture and keep out wild pests. You will also want to use the right ingredients for a proper, lovely smelling rotting compost heap.

It's easy to cook up your own pile. At first, layer grass clippings with a dash of leaves and twigs to create a concoction that turns into humus, the best plant food. Added ingredients for the compost comes from everyday waste in the kitchen and yard. But avoid any items that ruin your compost. Use green materials such as fruit and vegetable scraps, eggshells, coffee grounds, and grass and plant clippings; and brown materials, such as leaves, wood and bark chips, shredded newspaper, straw and sawdust from untreated wood. Avoid using any meat, oil, fat, grease, diseased plants, sawdust or chips from pressure-treated wood, dog or cat feces, weeds that go to seed or dairy products. These can befoul, spoil and make smelly and rancid a perfectly good productive compost heap.

There are two types of composting: cold and hot. Cold composting is as simple as piling up your yard waste or taking out the organic materials in your trash such as fruit and vegetable peels, coffee grounds or egg shells and then piling them in your yard. Over the course of a year or so, the material will decompose. Hot composting is for the more serious gardener; you'll get compost in one to three months during warm weather. Four ingredients are required for fast-cooking hot compost: nitrogen, carbon, air and water. These items feed microorganisms, which speed up the process of decay.

Concentrated Pest Control

Slugs and other pests don't disappear as the weather gets cooler. You'll find them at all life stages in October, from eggs to youngsters and adults. For slugs, use whatever measures you prefer, salt, slug bait or saucers of beer to eliminate them. It's best to catch them at the early stages to stop the reproduction cycle. And keep the ground well-raked and tidied to reduce their natural habitat.

Here's a list of common garden pests and how to control them:

Thrips: Adult thrips are about one-sixteenth-inch long and have dark bodies with four fringed wings. Their size makes them difficult to detect in the garden. They attack young leaves, flower stalks and buds. Spray young foliage, developing buds and the soil around the bush with an insecticide containing acephate.

Cane borer: This insect is the maggot of the eggs laid by sawflies or carpenter bees in the freshly-cut cane of the rose after pruning. One telltale sign is a neatly-punctured hole visible on the top of the cane. To remove the pest, cut several inches down the cane until there are no more signs of the maggot or pith-eaten core. Seal all pruning cuts with pruning sealer.

Japanese beetle, Fuller rose beetle: These will eat parts of the foliage and sometimes the flowers. Pick beetles off the bush by hand. Or spray foliage and flowers with an insecticide containing acepate or malathion.

Leaf miner: This insect can be spotted on foliage by the appearance of irregular white chain-like blisters containing its grub. Remove foliage and discard it to prevent further infestation.

Spittle bug: This small, greenish-yellow insect hides inside a circular mass of white foam on the surface of new stems, usually during the development of the first bloom cycle in early spring. Spray a jet of water to remove the foam and the insect.

Roseslug: When you see new foliage with a skeletonized pattern, indicating that it has been eaten, chances are it's the roseslug. Remove the infected foliage and spray with insecticidal soap or an insecticide that contains acephate.

Leaf cutter bee: As its name implies, this very small yellowish-green insect jumps on the undersides of foliage to feast, often leaving its white skin behind. The damage caused by this insect often results in defoliation. Use an insecticide containing acephate or malathion to prevent it from establishing a strong colony.

Rose scale: This insect hides under gray scales, normally on old canes or stems. It feeds by sucking the sap, weakening the plant. If the infestation is localized, try removing it with a fingernail. Or spray with an insecticide containing acephate.

Weed Whacking Made Easy

Actually, this is a slight exaggeration. There's no rest for the wicked. Keep staying ahead of your nasty weeds all this and next month. They serve as Home Sweet Home for all manner of pests and bugs, and destroying them before they flower and seed will save you much work in the future.

Preparation is the key. All gardeners know what it's like to have their yards invaded by unwelcome plants. Although there's no really easy way to banish weeds, there are a few solid techniques you can use to reclaim your turf. At the very least, you can limit this utmost in hostile takeovers.

Here is a simple outline of effective battle strategies you can use in the fall:

1) Be a mulching maniac. Mulch acts as a suffocating blanket by preventing light from reaching weed seeds. At the same time, it holds moisture for your plants and provides nutrients for your soil as it decomposes. Apply coarse mulch, such as bark or wood chips, directly onto soil. Leaves, grass clippings, or straw work better as a weed deterrent with a separating layer of newspaper, cardboard or fabric between them and the soil.

2) Water those weeds. Pulling weeds is easier and more efficient when the soil is moist. You are more likely to get the whole root system, and your yanking won't disturb surrounding plants as much either. No rain? Turn on the sprinkler or even water individual weeds, leave for a few hours and then get your hands dirty. Just ignore the strange looks from your neighbors as you lovingly water your weeds.

3) Cut weeds down in their prime. Weeds love open soil. But if you till or cultivate and then wait to plant, you can outmaneuver the weeds. Till the ground at least twice before you plant. Your first digging will bring dormant weed seeds to the surface where they can germinate. Watch and wait for a few weeks until they begin to grow. Then slice up the weeds again with a tiller or a hoe, only don't dig as deep. Now it should be safe to put precious plants into the soil.

4) Pass the salt. Try sweeping rock salt into crevices between paths. Although more harsh, borax also works well. Be sure to wear rubber gloves with the latter material. You might need to apply a few doses, but be aware of any surrounding plants because both products kill the good plants along with the bad.

Food for Thought

In addition to performing these autumnal lawn and garden duties, you may want to harvest your fall vegetables such as the perennial squashes. Do a taste test and harvest them when flavor is at its peak. If you'd like to extend the harvest of carrots, turnips and other root vegetables, leave some in the ground to mulch as the weather gets colder. Early next month, before temperatures drop too much, seed cover crops such as clover, peas or vetch to enrich the soil. It will serve as a natural fertilizer, stifle weed growth and help loosen up the soil for next year's crops.

As for your houseplants that you've put outside for the summer, if September was mild enough that your geraniums and other such plants are still outdoors, be sure to make them cozy inside before the first frost takes a bite out of them. Take geranium cuttings of two to four inches to root indoors. If you treat houseplants chemically, be sure to keep them warm and away from direct sunlight. Fertilize houseplants now and they won't need it again until March. And remember to get your poinsettias and your Thanksgiving and Christmas cacti ready for well-timed holiday color. Give them a daily dose of ten hours of bright daylight or four hours of direct sun and fourteen hours of night darkness. Cacti need a cool environment of fifty to sixty degrees, while poinsettias prefer a warmer sixty-five to seventy degrees. Be sure and let your cacti dry out between waterings.

For a true gardenaholic, winter is often considered to be the enemy. But with a few steps toward preparation in the early- to mid-fall, you can take care of your lawn, garden and houseplants in a way that will keep them thriving and surviving until the dawning of yet another most welcome and bountiful springtime.

The information in this article was gleaned from the MSN House and Home website and the Better Homes and Gardens website.








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Work Processed And Submitted In A Medical Billing Service

The discussion with your client on how they want to handle the process will be after you have completed your work. For smaller clients you may actually print the bills, mall them, collect the payments and make the deposits. Although the most common means of payment process is lock box. Small clients may not want the expense of this service. For these clients you should create a spreadsheet in excel or in real time so they can post their payments when they come in mail. You may have clients who will prefer you do only the billing for them and they handle receiving and posting the payments. If you have a client who prefers you manually process their payments then increase your fees since this will take more time and cause you to spend less time on another client's project.

The most common way for larger clients is for the medical biller to send bills and have payments sent to a lock box for processing. When payments are sent to a lock box for processing a special post office box number is set up through the post office. The lock box processing agency, which is a designated bank, enters payments into a special processing system. At midnight the information is transmitted by tape or some other electronic means to clients' system where the payments are applied to the patient's accounts. A reconciliation form and a copy of the checks are sent to the client so they can correct any errors that may occur or apply any payments that may be rejected by the system.

Having many clients' means having different needs and requirements. As a freelance biller, you are better able to accommodate your clients. Large billing agencies depend on existing systems and usually do not have adequate personnel to handle special needs. These agencies tend to handle large clients such as hospitals, laboratories, and walk in facilities. They usually do not handle individual health care providers such as respiratory therapists, physical therapists, speech therapists, and the like.








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Friday, December 6, 2013

Has Bad Credit Consolidation Become the American Way?

Acquiring credit should have a big label attached 'Handle With Care' or 'Use At Your Own Risk'.

Consumer credit is so readily available today, that many in our society have mismanaged its use with the result being an overwhelming load of debt that appears insurmountable. Much like an addict, the choice to use credit and credit cards begins with the basic premise that 'I can control when and how much I use.' That available credit quickly disappears as the debt piles up and soon, being late with one payment spirals into missing a few payments.

The late fee charges appear and those pesky interest rates accumulate as the unpaid balance lingers. When these credit problems begin, they gain momentum at an alarming speed so, before you know it, you are in a deeper mess than you ever thought possible.

To make matters worse, most people reach out instinctively for the most convenient help: another credit card. Using one credit card to pay off another is NOT a good debt consolidation idea. It is the equivalent of 'robbing Peter to pay Paul'. It is a prime example of the cure being worse than the illness.

This cycle may continue for some time, while credit ratings are destroyed. Getting a loan to buy a car or home becomes impossible. Of course, the collection agencies, intent on getting your debts paid whether you have the money or not, begin their harassing calls.

At this point, some have turned to bankruptcy, while others have pursued bad credit consolidation. Card debt consolidation simply means merging all those debts that have spiraled out of your control into one big debt. Interest rates on consolidation loans are usually low and fixed. Consolidating debt reduces all the monthly payments to one monthly payment only, making the repayment more manageable. The consolidation company distributes your payment amongst your creditors, giving you peace of mind and relief from the debt collection agencies.

There are controlcreditcarddebt.com/consolidating-debt.html pros and cons to consolidating debt. A credit card debt consolidation loan is not a cure all. The debt must still be paid. It can however, give you a little breathing room and a little help towards restoring your good credit. On the other hand consolidation can be dangerous because you are only treating the symptoms of over spending. Altering the habits that caused the situation is also vital.








You will want to visit ControlCreditCardDebt.com ControlCreditCardDebt.com which provides more information for debt relief through the Debt Action Guide. As well as reviewing ideas on how to alter patterns of spending and family budgeting, use the many other tools, tips and resources that help deal with mounting debt.

Home Care - 17 Services to Inquire About Before You Hire

Fortunately, there are reputable agencies out there who focus on helping the elderly in their own home. This in itself takes a great deal of stress off the family member who is caring for them. When you begin searching for the perfect agency, here are some important services to inquire about. Ask if the agency you are considering has:

1. Home Health Aides

2. Certified Nurse Assistants

3. Registered Nurses

4. Licensed Practical Nurses

5. Home Maker / Home Companion Aides

6. Senor Care

7. In Home Nursing Care

Home Care Services ( Personal Care Services )

8. Bath Visits and Dressing

9. Light Housekeeping

10. Meal Preparation

11. Escorts, Errands and Shopping

12. Respite Care

13. Medication Reminders

Specialty Programs

14. Medication Management

15. Post Surgical Care

16. Parkinson's

17. Oncology

You don't want to trust just anyone with a family member you love. Before you make any kind of decision, make sure you understand everything that is involved with Senior Home Care. What is listed above is a good place to start. Make a list of all you feel is needed. Don't be afraid to ask questions to make sure that the agency you hire will be a good match for your particular situation.

Having someone to rely on (besides yourself) will make a very big difference in not only your own quality of life, but for your loved one's life as well. This way, your loved one will not only have you there for them, but will also have a Home Health Care Professional to help with their every need.








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Maine Travel Cabins

The state of Maine is famous for being home to some of the most beautiful sites, which offer tourists a glimpse of nature at its best. As a result, Maine has become one of the most popular camping destinations in the United States. However, going on camping trips to Maine does not necessarily mean that campers would have always pitch a tent and to set a campfire. This is because there is an alternative way by which people can enjoy what a camping trip offers, which include hiking and trekking trips, while enjoying some of the comforts of home, which campers can do by renting a cabin. The good news is that there are a large number of cabins in Maine that tourists can choose from, however, picking the right one to help tourists maximize their vacation can be a little difficult because of the wide selection of choices.

Picking the right cabin

To be able to pick wisely among the different cabins that are being offered in Maine, there are some steps that tourists can take, which include steps they can do even before leaving for the trip, to help make the decision a little easier. One of these steps include assessing the rental need that needs to be filled, which can be done by counting how many people will share the cabin and by listing down the amenities that they want, including cable TV, refrigerators, and high-speed Internet. By doing so, the choices that travelers to Maine can be narrowed down, as the search would only focus on the cabins that would fit their rental needs.

Another important step is to carefully pick the exact location of the cabin that they want. This is very important, as the location of the cabin can play a major role in the convenience that travelers will experience during the trip. This is because the farther the cabin is from urbanized areas, the harder it would be to get supplies and other provisions in case they run out. Lastly and more importantly, travelers should ask themselves if they are ready to face the responsibilities that come with renting a cabin, which include maintaining it and doing chores like chopping wood.

Apart from the traditional camping trip, another good way of enjoying what nature has to offer in Maine is to rent a cabin. However, picking a cabin among a wide selection of cabins that are offered in the state can be a little challenging. Which is why travelers need to take the necessary steps, which can make the decision a little easier and can ensure that they get the right cabin for their needs.








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New Home Mortgage - How to Prepare Yourself to Minimize Trouble in the Future

A number of preliminary steps should be completed before beginning the application process for your new home mortgage. Even if you have been a homeowner for years and are simply looking to upgrade your housing details, reviewing these factors BEFORE applying for a loan can be important, not only in the decision about whether or not to make the move, but in determining how much house you can afford and at what point you should decide to apply. While it is true that you cannot completely know the future of the housing market, being prepared to take advantage of whichever way the market goes will make you a much more savvy homebuyer.

Your credit history

Your credit history is an important part of determining your eligibility for a new home mortgage and for the amount of the loan you can obtain. The credit history is obtained from each of the three major credit reporting agencies, Equifax, Experian and TransUnion. The lender may use only a shorthand form of the report, called a FICO score to determine whether you are eligible for a loan, and if so the interest rate you will be charged for the loan. It's important to make sure that your credit history is impeccable and that no negative or inaccurate items appear on the history.

Your documentation

When preparing for a new home mortgage, you can shave days or even weeks off your processing time by preparing your needed documentation in advance of the application. Chances are that you will need current credit reports, bank statements, employer payroll check stubs and sometimes business income documentation as applicable. By preparing these documents and presenting them along with the application or upon demand, you will demonstrate that you are serious about the loan and that you understand the process.

Your financial future

When preparing to apply for a new home mortgage you need to take time to review your financial future. Think about plans such as attending college, changing jobs or starting a business and how that will affect your ability to handle a mortgage. Wise planning and careful consideration of such elements should be done before ever going out and looking for the new house that you hope to fall in love with. Take into consideration current and projected income levels and the type of payment that you can reasonably handle. If you plan to start a family, that will impact your ability to make large mortgage payments.

Your house

Although some would say that choosing the house is the most important step in obtaining a new home mortgage, in actuality, it should come well down the list of priorities. The size and location and cost of the house should be determined based on how much house your preparation steps told you that you could afford. Too often, potential home buyers go out looking for a home without a clear picture of what they want and what they can afford. They see a nice home and rush into purchasing only to realize two years later that there is now way they can afford the house they are living in.








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Learn About Home Health Care Services

The number of aging population is continuing to increase. At the same time, the cost of being hospitalized is also increasing. Thus, there are people to prefer to have home health care services.

Home health care is a relatively new program that aims to take care of sick patients while they are at home. Medical trained personnel are usually the ones who take care of the sick people who either choose to stay at home or cannot go to the hospital anymore. This can be due to a disease that caused them to be paralyzed or have insufficient power to move. The services that home health care offer usually include physical therapists, nurse, medical technicians etc. The patient usually has a personal nurse to take care of him. Most patients have nurses for around eight hours per day. But depending on the case, it can be allowed for the nurses to extend for more than eight hours a day. If the patient requests for the nurse to stay for more than 4 days a week then there must be an agreed date on when to end the project. The rules regarding the nurses and the kind of assistance that could be given to a patient depends on the rules and regulations set by their particular state since they cover the money that the home health patient can receive from the state budget.

The kind of care that is given in a home health care is usually therapies, wound care and pain control. There are cases when the therapist is the one doing all the work and no assist is needed from the nurse. The personnel that are assigned to do home health services are all trained and are licensed to practice medical procedures. They also have trained to have the right attitude to be patient enough for their patients. The normal activities that are included in the home health care services involve bathing, eating, getting dressed and helping the patients with his other activities as well.

The home health care program helps the older people to live in the comforts of their home with their loved ones and with the guidance of home health care personnel. The home health care program will be terminated or postponed if a fulltime nurse is already needed to look after the patient.

It is important that the family assures the safety of their elders. They must gather the required information for them to know that the agency will provide the best care for there loved ones. There are ways so that the family can trust the agency by making sure that the home health care program that they chose is approved by the Medicare provider. Once the agency is certified by the Joint Commission for the Accreditation of Healthcare Organizations then there will be no problem. It is also required that a staff from the agency should always be available seven days a week. If all these requirements are met then for sure, you family members will have an efficient and secured home health care agency.

Working for a Home Health Care is a challenge

Taking care for a friend or assisting someone who is sick or disabled gives us a rewarding feeling. At the same time, it also gives us a challenging experience that we have to conquer. In order to be able to successfully take care of someone it is important that you have background in any health profession such as nursing or physiotherapy. Otherwise, the emotional weight of being a caregiver might be too hard on you. Aside from the challenges in techniques and practices, there is also an emotional weight that comes with it.

There are a lot of personal challenges that a caregiver can encounter. First and foremost is the kind of job that they have to do. It involves tedious tasks of making sure that the patient is clean, changing the dextrose, changing the diapers and the like. But more than the physical weight of the job, another factor that counts is the emotional baggage that it involves. In this kind of job, you will be dealing with a person maybe a stranger who is dependent on you. If you are not prepared with this kind of feeling it will be hard for you to adjust.

When you are taking care of a relative or a friend the feeling is way hard to deal with. Since you are responsible for the different procedures that should be done on the patient, then you have to learn the basic nursing procedures such as changing the catheter bag, cleaning up the urine, feces or vomit and the like. These kinds of circumstances can make the patient feel embarrassed by how helpless they are. Thus, it is very important that you make them feel that you are willing to help them and take care of them. In this way, the patients can somehow feel better and still have a sense of dignity even in their state. It is normal for sick patients to be rude, moody and argumentative because of what has happened to them. It is like a defense mechanism for them to act strong in front of other people. Even if you are the one taking care of your patient, it is still important for you to have a life and make time for yourself.

Aside from the emotional challenge that you have, there are also a lot of requirements for a home health care. Unlike in hospitals where everything is offered, the equipment and facilities that can be used when at home is limited. Thus, if you plan to have a home health care then you should start having the equipment that you need depending on the patient such as a hospital bed, wheel chair, shower chair and the like. If there are medical equipments needed for the patient, you can ask your medical team about where you can find them with the affordable prices. It is also important to practice safety at home since you would not want your patients to have further accidents. Cleanliness must also be maintained at all times to prevent any further infections.

Having a home health care at home is a challenging task but there are always ways to keep you equipped and ready for the challenge.








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Thursday, December 5, 2013

You Can Find Home Based Jobs Online Without Any Cost

The modern time of advanced technology has proved to be very much customer friendly as regards to home jobs and many people are benefiting from the same technique online. It has been a source of valid opportunities where housewives are able to earn money by being at home doing the household duties and at the same time earning online.

It is a hard work and people who are earning through the style are really putting extremely hard effort to achieve success. You can also be successful in earning online activities if you take ample strain and provide enough time for the activity. It is a bit difficult to get a true job, which is legitimate and payee tool. You have to do some research in the web to point out the real opportunities to do so.

There are umpteen online home jobs that you can do from your home and the job of the call center is an ideal type, which can be performed comprehensively from your home. Many multinational companies are re-directing the responsibility of the customer care department to different agencies outside the company. In turn, these agencies are appointing several home job applicants for the same.

Candidates are hired to take up the job of customer relation people to accept orders and complaints and pass it to the respective companies through agencies. The call routing procedure of technology is being implemented in the projects and companies are able to serve customers more easily and quickly.

Many people are engaged in this profession and are getting remunerated properly through agencies. You too can avail the opportunity to take up the job of the customer care expert for a company if you have the skill to talk to people and have the motivation to serve customers in a most friendly manner. It is decent home job online which needs certain time frame and effort from your side.

It is different than the conventional call center working since you require more knowledge or understanding of the situation. Here, you have a chance to get paid in a better way through the time you are engaged in the conversation with the customer. It is only for the time of spending in talking to a customer that you are paid. It saves a lot of cost for the company as well and you get scope to earn more. Companies do not offer much in the job and it depends on the quantity of customers that you face everyday, which is lesser during the primary stage.

As the representative of the company, it takes time to be fully aware of the prices of different products of the company. When you pick up the true line, you get more calls and earn better. It is the experience that matters in making a great income from the job. With practice, you are able to do it perfectly and the company arranges for more callers or routes more callers to you on your performance to make you an expert in the trade.








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The Need For Home Care Services

There is a rising development towards aging populations not only in the US, but all over the world. Advances in medicine have prolonged life and as this continues it creates a number of problems for individuals trying to care for aging parents, family members, or relatives. One problem is that people in general are becoming busier trying to provide for their own needs and as a result, it becomes even more difficult to help provide care or assistance for loved ones. If you are in this category, then you understand how demanding the responsibility can be in terms of time management.

Whether you're trying to help a few days a week or you live out of town, and are trying to manage their care long distance, the task can be daunting. Another problem that can arise is the lack of knowledge or how to care for someone. Depending on the type of care it may require additional knowledge or skills that can only come from a health professional. For example, assistance may be fairly basic such as giving a shot or checking blood pressure to something even more complex like caring for seniors with Alzheimer's disease. Whatever the situation, the need for home care services will inevitably increase as the population ages. When the time comes for a senior to need additional care services, how do you go about selecting one? It is important to understand a few things about home health care agencies.

There are numerous options when it comes to planning on and covering the cost of care. They can come from a range of government, private, and non-profit sources. While it is most commonly a private pay situation, there are options, such as Medicaid, Medigap or long-term care insurance, and grants. Before making any decision though, it is important to research senior home care options completely in order to make certain that you've made the best selection.

Another issue that is important to look at is whether they are a full-service home care agency, a referral agency, or an independent contractor. Before contacting an agency, it is important to evaluate certain questions with the person in mind such as what functions will the caregiver essentially have to perform? And what type of expert care will the patient need? Once you contact the agency a few questions you should have in mind are:

o How long have they been providing home care services?

o What is the selection process? Are background checks required for each caregiver?

o How are caregivers supervised in a home?

o How are emergencies dealt with by the caregiver's?

The demand for home care services will continue to grow and as that need grows many agencies will be willing to provide such services. Elder care advice and information is easy to come by so it is critical to become well educated before making a decision about the various options available for you and most importantly your loved ones.

Is Fear Preventing You From Buying Your First Home?

Purchasing your first home can be as frightening as it is exciting. There's quite a lot to learn, and the experience can be very daunting to some. Rather than letting fear stop you from buying your first home, learn as much as you can before entering the home buying process. Taking some initial first steps may help calm your fears.

The following tips are important steps that you should take at the beginning of your first home buying adventure.

Are you ready to be a home owner? Think very carefully about what you're getting into. Yes, home ownership is part of the overall American Dream, but you should consider all of the aspects that go along with home ownership. Keep in mind too that in the long run the pros outweigh the cons when it comes to owning a home.

What does your credit look like? Since this is the first thing that a mortgage lender will consider, you must know what to expect before your first meeting. Take the time to get a copy of your credit score from one of the three credit reporting agencies. Look for inaccuracies and fix them by contacting the credit companies involved. If your score is lower than expected, take the steps needed to raise your credit rating. Pay off some credit cards and consider repairing any bad aspects of your report before looking for a home loan. With a higher credit score, you will qualify for a lower interest rate and pay less for your home.

How are your finances? For many people, the issue of a down payment prevents them from getting the home they want. There is a chance that you may need to wait until you have accumulated a larger down payment. There are, however, many different options these days for greeneasylife.com mortgage loans that have either very low or no down payment options. Your lender will have all of the info you need in this area. There are also government agencies such as HUD and VA that have programs that help first time home owners obtain loans with low or zero down payments.

How much can you afford? When you meet with your mortgage lender, make sure you are

pre-approved for your home loan. This process lets you know exactly how much house you can afford. You must be prepared to provide financial and credit information to the lender at this time. You'll be glad that you are pre-approved before you start looking at homes. You'll save yourself time and unhappiness by knowing what you can afford before you fall in love with a house. Don't confuse pre-approved with pre-qualified. Pre-qualified means that a lender has only looked at your financial situation and has determined that you could qualify for a loan.

Take a deep breath. Don't let fear of the unknown stop you from taking the important steps toward owning your own home. By following the tips above, you can prevent much of the frustration and anxiety that unprepared home buyers often find themselves in. Just remember to do your research and ask as many questions as you need to so you always know what's going on and what you're getting into regarding the home loan and the home itself. If you have trusted family and friends who have had positive experiences with home buying, then by all means take their advice and contact their referrals. Your first home buying adventure need not be a frightening one. Take a breath and get going!








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Rental Property - Taxes on Selling Homes

If you are a homeowner, you will be entitled to tax breaks when you sell your home. It is possible to profit up to $250,000 if you file your taxes singly. If you file jointly, you could get $500,000. To make things even nicer, you will owe nothing to the IRS. There are a few caveats that are involved. You must have been the owner of the property and must have used that same property as your primary residence for at least 2 of the 5 years preceding the sale of the home. While this seems fair, what happened if you sold your home after only owning it for two years? In 2002, the IRS released new regulations that changed the original rules.

If you are in the situation of owning and residing in the home for less than 2 years, you can avoid the tax by claiming a reduced gain exclusion. This is fairly easy to qualify for. If you do qualify, the amount will most likely be large enough to protect the entire gain, even though the sale was made prematurely. If you are eligible, the amount would equal the $250,000 or $500,000 times a fraction. The numerator of the fraction would be the period of time that you owned and used the home and the denominator would be the two years that is required. For example, if you and your spouse owned and resided in your home for 22 months, the reduced exclusion would be $500,000 multiplied by 22 months over 24 months, which would equal $458,333. The reduced exclusion applies when the premature sale is a result of a change in employment, health issues or unforeseen circumstances.

If the sale is premature due to a change of employment, you must state that this was the reason. This will make you eligible for the exclusion. To utilize this reason, you must have had to relocate more than 50 miles away from the home that was sold. There can be exceptions to this rule. It would depend on the circumstances. For example, if you got a new job working in an emergency room, and the job required you to live closer to the hospital; you may still qualify for the exclusion even though the move was less than 50 miles away.

If you prematurely sell the home due to health reasons, there are requirements that must be met. The move must be done in order to obtain medical care or to provide or facilitate the cure or treatment of a disease. The qualified individual could include yourself, your spouse or any other person that resided in the home that was sold. If a doctor recommends a change of residence due to the health status of the qualified individual, the exclusion will be immediately granted.

Unforeseen circumstances can also be a reason for a premature sale. There are many things that could fall under this category, including the death of a qualified individual, the eligibility for unemployment compensation, divorce or legal separation, multiple birth pregnancy, man-made disaster or if the residence is sold after it was seized by a government agency. For the cases of unforeseen circumstances, the qualified individual could be the owner, the co-owner or any other individual that used the property as a primary residence.

Additional tax treatments are available if you use your home for business or rental property. The entire home, including the rental and business areas will qualify for the gain exclusion. The only difference in this case is that you must pay a tax on the gain if it was attributable to depreciation deductions that had been claimed after May of 1997. Keep in mind that the business or rental property must be located within the primary residence.

As long as you meet the eligibility requirements, you can earn considerable tax savings when you sell your home. Selling prematurely should be avoided if at all possible, but if a situation does arise, you will not lose as much as you think.








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Why You Need a Private Home Caregiver

Let's admit that we are humans and we are not robots. Therefore, we can get exhausted or tired and we can't ensure that we'll always be able to do everything on our own. When you have a senior at home or anyone who has a condition that needs constant care and at the same time you have your own family and a job on the side, I tell you, you need help. You won't be able to attend to all your responsibilities without battling stress and breaking down when you're almost fed up. So, I'd like to let you know that the best help you can get is that from a private home caregiver. Why?

Hiring private home caregivers allow for the flexibility of responsibilities that clients would like them to have compared to those in nursing homes. There are a lot of tasks that private care providers can do. They can provide life assistance services like bathing, grooming, dressing, etc. Caregivers who have medical backgrounds can also provide medical assistance like first aid, checking vital signs like blood pressure and they can ensure that patients are taking the right medications in right amounts. The best thing about this is that we can actually customize their tasks according to what we need as clients or what the patient needs. Just make sure that the tasks are clear right before the carer starts to work to prevent any misunderstanding. It is also advisable to have everything in paper to make sure everything is accounted for.

Secondly, let's face that we can't always be at home with our elderly loved ones. We need to attend to our own responsibilities, own families, own jobs and the list just goes on. And during these busy times, private home caregivers can actually serve as our loved ones' company. It will be good to have them around so that our seniors will have someone to chat with, watch the TV with or just go through everyday life without feeling lonely or bored.

Aside from the fact that it's really sad to leave our seniors unaccompanied at home, we also need to remember that they need someone who can be with them in case there's an emergency. We'll never know when will an accident or a medical mishap occur and we need to be ready for that. Having a private home caregiver ensures that our loved ones will not be left uncared for and unattended.

Another reality is that sometimes, even if we are at home, something just suddenly comes up. We can receive a call from a friend or a colleague and we just have to leave the house again for hours. So who's the best person to call in cases like this? Of course, it's your familyprivatecarellc.com/services/senior-care private home caregiver! I know that there are specific working days specified when they sign contracts with clients. But then again, they're always our options. If we ask them if they can be on duty even if it's not scheduled and they decline, then find another person who can be there at the moment or better yet, don't leave the house. But knowing how understanding most caregivers are, most of them might actually show up and help. We just need to make sure that we can pay them extra when this sort of thing happens.

Private home caregivers are trained and certified. They have excellent nursing skills that qualify them in assisting patients at home. Most of them are either Registered Nurses or Licensed Practical Nurses while some have taken vocational caregiving courses. We can all be rest assured that they know what they are doing and that we can entrust our loved ones' lives to them. Before practicing in the field, they have undergone classroom lectures and several written and practical examinations that evaluated their performances. If they have passed, then that means they are capable enough to be practicing in the field. So again, make sure that your private home caregivers have accreditation or licenses duly recognized by authorized agencies before hiring them.








If you want to find out more about familyprivatecarellc.com private home caregiver, then click on this link and know how to choose the best caregiver for your needs.

Scholarship For Being Left Handed - Is There Such a Thing?

Education is one most important aspects of our life it affects our future and determines what our lives will be like after we graduate. However getting an education is not necessarily all that easy. In fact tuition can be a major reason why many people don't attend school. Tuition does not have to be the reason you don't attend school. If you look carefully you may be able to find a scholarship that suits your need. There seems to be a scholarship for just about everything, including scholarship for being left handed.

Our jobs and our careers are directly affected by our level of education. The home we live in and the car we drive is also directly affected by the level of education we complete. Literally everything we do is affected by the level of our education. The level of our education can be affected by our ability to pay for school. College tuition at most major colleges and universities has become staggeringly high. In order to pay for this education you need to able qualify for financial aid, have a rich uncle, or receive a scholarship.

There are scholarships for minorities, scholarships for Athletes, scholarships for those interested in entering the military and scholarships for those that are physically challenged. Certainly someone offers a scholarship or being left handed. This is not to imply that being left-handed is necessarily a disability or physical challenge. There are southpaws in every major field in every industry and we even have a left-handed president, so wouldn't it make sense that there is tuition assistance available for left-handed students.

While there is not an abundant supply of scholarships directly focused on providing southpaws college assistance there are programs out there that can assist you. When looking for a scholarship there are many ways to go about this process. One such way is scholarship locator programs on the Internet. These services offer a search engine for locating college assistance and will search for scholarships in a special category including the left-handed students.

Another effective way for locating scholarships is to contact a counselor at the school you are applying at. Many counselors can provide a list of scholarships that are available locally and on a national basis. These professionals can be a good source for locating a scholarship that is well suited to your need.

It is always a good idea to check for scholarships well in advance. Remember that there are typically numerous students applying for the same assistance and therefore you will need to be well prepared to provide the scholarship agencies with adequate information that will convince the selection committee why you should be chosen as their candidate.

While there are no lists of resources available for left-handed students to receive scholarships there is indeed such a scholarship available in one particular school in the Northeast. Juanita College in Pennsylvania offers the Beckley scholarship. This scholarship provides financial aid for left-handed students who are attending this college. Unfortunately these funds are only available for sophomores, juniors and seniors consequently freshmen south-paws are out of luck.

Mary Francis Beckley is herself a southpaw that attended this school in the early 1900's. She met her husband here during a tennis match and he was also a left hander. This same school offers the duct tape scholarship, which goes to prove that if you look hard enough you can find a scholarship for any reason including being left handed.








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Check out Scholarship Authority at scholarshipsauthority.org scholarshipsauthority.org

3 Things That Must Happen If the Housing Market is to Turn Around

There has been a lot of talk from Washington and Wall Street about the continuing housing slump and foreclosure problems. The lament is about how to get the foreclosure rates down and housing moving again. Some say the $ 8,000.00 first time home buyers credit was a bust. But consider this: every house that was sold with the $ 8,000.00 credit was a success because someone just became a homeowner for the first time. Realtors, closing agents, home inspectors, lenders and a host of other people collected a pay check for that one sale. Washington keeps saying that banks must make funds available to lend. Banks say they are doing just that, and point to all the houses that are reported as sold from the National Association of Realtors and other data collecting agencies. While it's technically true that there are loans being made, there are not enough to make the impact needed in the market to really get it moving in the right direction. So here is what I feel what must happen if this market is to get moving for real.

1) Congress and the President, as well as the private sector, must stop talking about creating jobs and actually work together to create them. Just as important, they must keep jobs from going elsewhere. Don't worry I'm not going to get political on you. I'll leave that to people who have nothing else to amuse them. American business has to start looking at the long term business.educationeasy.net business plans not just the next quarter. (Wall Street created this monster) The CEO's can only care about the next quarter earnings and being a Wall Street favorite. So they sacrifice quality and service, looking for the cheapest labor they can find and cutting corners. This way they hit their numbers, Wall Street is happy, the CEO is considered a genius and the cycle starts all over again. But what really happens is every time people here are laid off, and the jobs are outsourced to a country with fewer regulations and lower wages, it limits the number of people who can afford their product here. It's a vicious circle. Now our leaders in Washington have to take as much blame for this as the CEO's because they make it hard to do business in America. They have so many overlapping regulations and laws it's impossible to keep track of them. Hiring regulations and tax laws change all the time and each government agency has its own set of requirements. It's hard to plan your future if the rules changes daily. Fear of lawsuits is a big and costly issue. Employee and consumer safety must be prime considerations, but frivolous and outright stupid lawsuits must be stopped.

I know the Government and Private sector can work together to solve this and many more issues. The economy will not get better if people don't have jobs or feel their job is next to be eliminated. Spending will not increase as these people will either not have the income, or will hold on to what they do have, just in case.

2) Banks and other agencies must give us a true picture on the actual number of homes that have been foreclosed on and that are behind on payments. The number of homes that are reported and the numbers of homes that are on the market are not even close. Conventional wisdom says that there is a big 'shadow inventory' out there that nobody wants to talk about. This is flat out wrong. But until people have a clear picture of the problem how do we know how to fix it? And Government alone is not capable of changing this perception. Until this is revealed people will not feel comfortable making any decisions and will take a wait- and-see approach.

3) Finally the housing market is not going to improve if the banking and the financing industries continue to refuse to work with the small investor. A large number of the foreclosed homes are in complete disarray and are unable to be sold to an end user. So this only leaves the investor class to pick up these properties and make them usable. But banks and other agencies have put so many hurdles in the way of small investors it's hard to get a deal done. Private cash is available but harder to raise because of the reasons stated above. FHA with the 90 day rules and 180 day rules makes it almost impossible to fix a house up and sell it to an end user quickly. These rules don't help home buyers at all, but somebody in Washington feels that they have the right to dictate how much money an investor can make. And the banks add their own set of rules on top of the Government. Some of the big banks won't even loan money on a house that the owner has owned for less than 90 days. And others dictate how much profit investors can make for up to 6 months. (These rules, however, don't apply to the banks themselves) It's the small investor who will restart the housing market, not the big institutional investor who buys 500 homes at a time ( and who, by the way, still needs to sell to someone) The small investor is the key to the whole recovery. Banks and the government need to work together to allow the small investor to buy homes and fix them up and sell them or keep them for their rental portfolio.








Paul J Da Costa Is a licensed Realtor in Georgia.

He is a Real Estate investor, educator, and national speaker.

Paul is available for select speaking engagements and can be reached at 941-716-2597
pauljdacosta.com pauljdacosta.com

Wednesday, December 4, 2013

Medical Tourism - Getting Well Away From Home!

Medical tourism, according to the simplest of definitions, combines healthcare with international tourism. Disparate as the two entities may seem, medical tourism, nonetheless, offers the excellent prospect of receiving high quality medical treatment in the lap of foreign hospitality. In the dynamic world of international healthcare, medical tourism is a growing trend. In fact, medical tourism is a phenomenon that has set the whole world abuzz in recent years. Its unique nature can be attributed to the fact that it not only involves the healthcare industry but also carries a significant bearing upon the tourism industry.

Going on a change to improve one's health is an age-old practice. There used to be time when going abroad for improving one's health, or on being advised by one's physician, was in vogue. Medical tourism can be looked upon as an evolved form of this age old habit of humanity. So, what makes medical tourism tick? The primary reason behind its surging popularity is that it grants the common man an easy access to high quality healthcare services on an affordable budget. Countries such as India, Dubai and Malaysia are fast emerging as popular destinations for receiving world-class healthcare at a substantially low cost. These facilities include a wide spectrum of medical and surgical procedures conducted by highly skilled healthcare professionals who are trained in various specialized disciplines; access state-of-the-art equipment and modern amenities; impeccable service and personal attention to every need of the patient and all these, at a cost that's surprisingly affordable and much lower than countries like the US or the UK.

The cost is a major consideration for most of us. Most people in need of specialized healthcare services feel daunted by the high cost associated with them. This is where Medical Tourism can really make a big difference. The crux of the matter is that countries such as US, Canada or some European nations, offer healthcare facilities of the same quality as India, Malaysia or Dubai, but at a cost that's significantly greater. Medical tourism makes it possible to save up to 80% (as compared to US/UK) on medical costs by opting for countries like India. It's easy to see why medical tourism always makes better sense.

There are certain other advantages that medical tourism offers such as reduced waiting periods for your treatment. If there is a critical treatment involved, or an operation that needs urgent attention, you can initiate the process almost immediately after contacting the healthcare professionals in these countries. Most hospitals or medical establishments in the US or UK have lengthy waiting lists and necessitate wait for a substantially longer period of time.

So are you feeling sufficiently motivated to consider medical tourism the next time you require a major, expensive treatment? Ask yourself, what can you look forward to after landing in the lap of foreign hospitality? Nothing less than what you would in your own country. Smart and well-informed professionals, speaking fluent English and attending to every detail with meticulous attention, only add to the overall experience. You can rest assured knowing that the task of caring for your health is in good, able hands. Online agencies like Recover-Discover are offering excellent packages in medical tourism. Such online agencies are a great starting point to find out how recoverdiscover.com medical tourism can help you.








Suzanne Macguire is a veteran in Internet marketing and a wordsmith par excellence with countless articles on a wide range of subjects to his credit. She is a big enthusiast of recoverdiscover.com bariatric surgery.

Ways to Improve Your Credit Score

Loan application is a very vital process that helps potential home buyers finance their pursuits for home acquisition. For instance, mortgage is an indispensable reality in the world of real estate vis-à-vis the different economic conditions of the world. The massive impact of the subprime crisis and the credit crunch likewise contributed to the ailing sector. Hence, to give yourself more chances of materializing your plans for home purchase, you need to secure for a good and reliable mortgage that definitely ensures financial assistance in times of financial difficulties. You have plenty of options to choose from in order to qualify for a good home loan particularly improving your credit score.

Credit score refers to your financial standings and condition, including all your records of assets and liabilities. Lenders and banks are becoming stringent and extremely careful in screening applicants who are aiming for home loans. One of the best criteria they impose on potential borrowers is through the stability and reliability of his credit score. If you have a flawless credit standing, then you have greater chances of being approved in lieu with your loan application. Or better yet, you may be given a mortgage rate that is better than all the rest of other applicants who do not have the same credit score as you do.

There are definitely innumerable ways of enhancing your credit score, oftentimes the methods do not require a rocket scientist to deal and comply with. The first thing you need to do is to carefully review your credit report. In the previous years, more and more incidences of errors and corrections are detected in credit reports issued by authorized financial agencies. It is therefore the person's initiative to do something about this issue and personally check his own report for certain errors or false statements. If in case you see any wrong information indicated, see to it that you inform authorities and personnel who are in charge of your credit report. Errors greatly affect your credibility and credit standing hence be careful to deal with it.

Next thing to do is to manage all your finances in order to avoid incidences of financial shortage and payment difficulties. Do your best to prioritize your expenses and make sure you pay your outstanding credits and personal debts on time. If you have regular bills such as expenses incurred for electricity payment, water, food and other basic commodities, make sure that everything is covered. In case you have other loans such as your credit card and car loans, try to assess if there are credits you can give up to boost your eligibility and enhance your credit score.

Most importantly spend less and only within your means and capacity to pay without exceedingly overwhelming expenses and bills. If there are things or activities you used to do but you can definitely live without, then it is high time that you let go of some of the things that contribute to your expenses.

Improving your credit score is a much easier task to do especially if you have the determination and discipline to do better and invest on worthier and more valuable ventures such as home purchase and home loans.








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10 Legitimate Business Ideas For Less Than $20

Whether you're starting a business on the side while still employed, a student, or homemaker looking for extra income, or unemployed and trying to figure out what to do, there are plenty of opportunities for you to start up a side business inexpensively. It's unlikely any of these will make you a living in the first few months, but they all have the potential to grow into full-time businesses. We'll take a look at 10 such opportunities and, most importantly, tell you what to do with the $20.

1. Web Master

It is what everyone who is ever surfed the Web dreams of-just stick a web site up there and watch the cash roll in! Well, that just does not happen overnight, but the fact of the matter is it is really not very hard to do. To do it right, start by picking a subject matter you know a lot about.

Then get a domain and create a web site. It does not matter what technology you use-just be totally anal-retentive about it looking good and provide plenty of original content. Now find some appropriate marketing.educationeasy.net affiliate programs-that's where your revenues are going to come from. Next, learn everything you can about search engine marketing and promote the heck out of your site. Last of all, set aside time every week to put new content on the site, delete dead links, and other maintenance. You might actually make some decent income from it.

Spend the $20 on: $$9 for a domain at GoDaddy and $10 for a year of hosting at Discount Hosting or Cheaps.net.

2. Consultant

Getting into consulting is relatively simple. All you have to do is know how to do something better than most people do, and be able to either teach people how to do it or be willing to do it for them. Networking is the key to success in this business, so start by making a list of everyone you know and giving them all a call.

Spend the $20 on: $14 on a box of clean-edge laser or inkjet business.educationeasy.net business cards and $6 buying your first prospect a cup of coffee one morning.

3. Housesitter/Petsitter

Around the holidays people are looking for housesitters or petsitters to watch their homes and/or monitor their pets. Particularly since 9/11, people feel an increased need for security, and housesitting gives them some reassurance while they're out of town. This one's great because it basically requires no particular skills, just trustworthiness and reliability. Be sure to have personal references available, and you'll also need reliable transportation. If you're an animal lover, petsitting is an easy add-on.

Spend the $20 on: $2 on flyers to put up on bulletin boards, and the rest on classified ads in your local neighborhood paper (not a big city-wide one).

4. Professional Organizer

People these days are simply overwhelmed by their "stuff." While there is an ever-growing trend of people wanting to simplify their lives, most of us have not done it yet. It's not that people really have no clue how to get organized, it just keeps moving to the bottom of the stack, both figuratively and literally. There's a prime opportunity for people to come in at a reasonable rate and get houses organized. And while there is a National Association of Professional Organizers that you can join where you're ready, mostly it takes common sense, organizational skills, and a familiarity with what can be had at your local office supply and The Container Store.

Spend the $20 on: Classified ads

5. Avon Independent Sales Representative

Cosmetics is a virtually recession -proof business, because it's an inexpensive way for people to feel good about themselves. Avon is the largest consumer direct sales company in the world, with annual sales of nearly $6billion. In business for well over 100 years, they have both a highly reputable product line and one of the few highly reputable multi-level marketing structures (in fact, they invented it). They also offer fashion and wellness products in addition to their beauty products. And while they bill themselves as "The Company for Women", a fairly substantial number of men have actually been very successful as Avon reps. The secret to making a living at it rather than just a little extra spending money is to build your downline-just like with any other network marketing or direct selling business.

Spend the $20 on: $10 signup fee, and $10 on brochures and a few samples

6. Personal Services - Shopping & Errands

This is a great one going into the holiday season. Believe it or not, there are people who would not be caught dead going anywhere near a mall, but they're not comfortable with buying certain items online, either. Again, trustworthiness and dependability are the key traits for this. If your car's not reliable, pick something else. Also, you won't need cash, but you'll available credit on your credit cards, since you really can not use theirs. Consider an American Express or a Diner's Club that do not have preset spending limits. Or use a card that gives cash back reward or frequent flyer miles, and you can make a nice little bonus.

Spend the $20 on: $1 on flyers and the rest on classified ads.

7. Desktop Publishing

It's amazing how many people have a computer and still don't know how to make a decent flyer! If you've got a good design sense, are extremely familiar with your word processor, and already have a laser or high-quality inkjet printer, you can get into desktop publishing. Create a really great-looking portfolio for yourself and go door-to-door.

Spend the $20 on: Some high-quality paper to create your samples on.

8. Tutoring

With the growing dissatisfaction with our education system and the huge growth in homeschooling, there's an unprecedented need for tutors these days for kids of all ages-even adults! If you've got a topic you can tutor in, contact the local schools, particularly private ones, and local homeschool groups, and offer your services. Don't be concerned if your topic is highly specialized-even those are in demand.

Spend the $20 on: $14 on a box of clean-edge laser or inkjet business.educationeasy.net business cards and $6 on flyers.

9. eBay Seller

Yes, there really are people who make a decent living buying things at garage sales and flea markets and selling them on eBay. The big secrets - Stick to products you know (or learn before you start) extremely well, package your goods carefully, and provide impeccable customer service. It helps to have a digital camera or a scanner, but it's not required.

Spend the $20 on: Your first inventory at a garage sale.

10. Secretarial Service - Typing/Transcription/Proofreading

Many small businesses and individuals have a need for these services, but not enough need to hire a temp through an agency. Assuming you've got a computer, a printer, and e-mail (and the necessary skills), you're all set. Be prepared to charge by the job, not by the hour.

Spend the $20 on: $14 on a box of clean-edge laser or inkjet business.educationeasy.net business cards and $6 on flyers.

One last thing -beware of home-based business scams that require a substantial buy-in, such as envelope-stuffing or craft item assembly. You may not lose money on it if you stick with it long enough to get ready fast at it, but you'll probably never make the kind of money you've expecting to. Better to do something on your own.








For further information in regards to resources, ideas, and/or coaching for starting your small business send me an email: mailto:ramonaclay@ymail.com

Ramona Clay, owner of her own staffing firm and author of Living with Joy and The Miracle Entrepreneur featuring over 52 EZ business opportunities to start for less than $100. Ms. Clay has written for numerous publications on business and careers.