Thursday, May 15, 2014

English Me-Lord Thinking Doesn't Work

My home is my castle and my castle is my legacy to my children

Nice thought, but it is a pity it doesn't work that way. Many people firmly believe that once they pay off their mortgage then their house is theirs to do with as they please.

Sorry, but that simply is not true. Your home never really belongs to you.

Pause for a moment and think how these threats to your property and family might affect you.

You may have a mortgage debt hanging over it.
Your home may be regarded as your asset and should you owe the taxman any money, then he is allowed to force a sale so that he can get paid.
You may have creditors and be going bankrupt.
You may even be going through a divorce.
Your partner may decide to re-marry after your death.
Your children may get into financial difficulties.
You may have to go into a Nursing Home for long term care.
You may have forgotten to do a pension.
You may have been made redundant.

I don't want to sound like a Doctor Doom but if you don't do something then there are numerous agencies who will take your home and money from your family after your death.

This is where proper estate planning comes into its own. It is no good writing Will which states that everything goes to your partner when you die, and then onto your children. If you have done that then you have achieved nothing.

Don't sign your house over to your child!

If you have bought your home jointly with your spouse or partner, you may not be aware of the potential dangers associated with this common folly.








Contact me today. My consultations are FREE and let's start protecting your home, your money and your family.

My name is Brian McHugh. I can help and I want to help in matters concerning Wills and Trusts. Please let me help by contacting me today.

North Carolina Long Term Care

Genworth Financial, a global financial security and wealth management company, surveyed several key cities in North Carolina to find out the current costs of long term care in the state. Asheville has the most expensive hourly rate for a Medicare-certified home health aide. Residents of Raleigh-Cary have to pay for $4,100, the highest monthly rate for assisted living facility within the state. Burlington has the most costly daily rate for a semi-private nursing home.

The number of North Carolinians needing LTC services has swelled as the senior population continues to enlarge. The North Carolina Long-Term Care Policy Office reported that the state's senior population is increasing faster than the rate of other states, and is projected to balloon at the rate of more than 1.6 million by 2020. The percentage of adults in North Carolina is believed that will have reached the highest rank from 31st to 11th by 2025.

Baby boomers require LTC services compared to any other adults. Most baby boomers (born between 1946 and 1964) might have lost contact with family members, or there's no family member who is might be willing to render care. This is the end result of high divorce rates among baby boomers, wherein baby boomers choose to stay single or, otherwise, have less number of children.

Demographic factors such as divorce and small family increase the possibility for LTC. Another problem is that it increases the financial burden of the individual in paying for those services. Quarter of the baby boomer's population have pensions and insurance. North Carolina has low savings rate of 4 percent that could make the problem worse. Currently, most residents depend on publicly-funded North Carolina long term happinesslifetime.com care insurance. The majority of public health funds come from Medicaid. The N.C. Medicaid program has helped about 19% of the total state population in 2007, or equivalent to 1 out of 5 every resident in the state. About 10% and 16.2% of the total recipients were seniors and disabled. Seniors and the disabled made up almost 65 percent of total Medicaid expenditures, amounting to about $5.6 billion combined. Medicaid applicants have surged to about 2.3 percent unlike those in previous years.

The state government has been trying all means to enhance the LTC system that will meet the needs of its residents. One of the efforts the state of N.C has pushed through is the North Carolina Long Term Care Partnership. LTC Partnerships have been around since 1980s, but the state has been eying on the advantages and disadvantages of such partnership. When this partnership program became successful in other states, the North Carolina government has pursued the same policies. The North Carolina Department of Health and Human Service (DHHS) boosted plans on personal financing of long-term care. The Division of Aging collaborated with the Governor's Advisory Council on Aging, the Senior Tar Heel Legislature, and other agencies to adopt the Long Term happinesslifetime.com Care Insurance Partnership Program.

During the 2001 North Carolina General Assembly, the state introduced the House Joint Resolution 328. This resolution was meant to urge Congress "to adopt incentives that encourage the purchase of private long-term happinesslifetime.com care insurance and to eliminate federal barriers to the expansion of Medicaid long-term care Partnership plans."

The final resolution was issued during the NC General Assembly in 2006 that passed the North Carolina Long Term Care Partnership program.








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An Introduction To California Mortgage Loans

California greeneasylife.com mortgage loans are a type of loan given to people residing in the state of California. These greeneasylife.com mortgage loans are provided for greeneasylife.com home mortgages, debt consolidation, second mortgages, loan refinance, investment properties and home improvements, as well as home equity. California greeneasylife.com mortgage loans are given to people with poor credit also. In California, you can also go for a "no doc" home loan, where there is no need for income proof or credit history. The only requirement is that you must have a decent credit rating.

Depending on the changes in the real estate market, mortgage rates of California greeneasylife.com mortgage loans also vary. The factors that decide California mortgage rates are the mortgage amount, market value of the property, penalty for late payment and FICO score. There are many companies dealing with first and second greeneasylife.com mortgage loans for home buyers in California. Loans can be obtained from agencies and vendors throughout the state.

Today, California greeneasylife.com mortgage loans are easily available through online brokers. So there is no need for you to go to the banks or other agencies and waste your time enquiring about a loan. Applying for these loans through the Internet is easy. You have to select the loan and fill a quote request with the help of an online broker. The lenders who get your request in turn will provide you with their quotes containing the terms and conditions about the loan, interest rate, closing costs and the mode of payment.

As a person is likely to lose money by choosing the wrong California greeneasylife.com mortgage loans, it is better to take proper advice from a broker or a financial advisor dealing with these types of loans. He can explain to you about the various loan packages and their interest rates. You must ask questions about the different home loan packages. Also take care to approach only a reliable financial advisor.








e-CaliforniaMortgageLoans.com California Mortgage Loans provides detailed information on California Mortgage Loans, California Home Mortgage Loans, California Jumbo Mortgage Loans, California Mortgage Refinance Loans and more. California Mortgage Loans is affiliated with e-CaliforniaLoans.com California Home Equity Loans.

Wednesday, May 14, 2014

The Fitness of Health Care

Prevention, treatment and management of illness is known as health care, and is provided my trained professionals. It also means maintaining mental balance and caring for physical fitness. For those of us recovering from injury or sickness, this can be done with the help of the services offered by the medical and nursing professionals. To avoid the need to rely on the administering of health care maintaining our health through fitness should be an important aspect in everyone's life.

Unfortunately, far too many people ignore the risks and let their body and mind deteriorate through lethargy and lack of physical activity and exercise. Thus, the majority of the population will have to rely on the services of the commercial medical industry at some point in their lives. Sadly, for to many people, health care is unavailable too them, either due to cost, lack of insurance or lack of access, when they need it most. In developed and developing countries health services are rendered to each and every one irrespective of their capacity to pay. Also some of the government organizations provide the facility of medical care with a nominal fee.

Professionals of the medical industry include people who provide services which are related to the preservation or improvement of the health of individuals. Their services also include the treatment of wounded, ill, disabled or feeble individuals. Health care forms a big part of a country's economy.

If you want to save money and have independence in your deciding in when and where to get medical care try home health programs when they are available. This type program helps an individual to be free from the confines of a hospital or any other medical centers. This program can be utilized by those people who need not be confined in a hospital.

Home health care programs offer an array of services. These services are done in the console of the patients own home. Home health plans are normally monitored by a doctor. But nurses and auxiliaries carry out the legal period of care in such plans.

Health is wealth is a good saying in the present world. So the big question is how we are to provide health care services to every one. We should think of a way to provide medical benefits to one and all. This is the problem which is facing far too many countries in the world.

Providing health coverage is a problem of major concern for all countries. If we try to cut one segment of the health care industry in an attempt to save money then every artery of the industry will start to bleed. The most pragmatic way to determine a solution to this trouble is to inquire of the medical professionals themselves who work with the system. They will be able to tell us what, where and how something is wrong.

Distributed Health Care Centers, doubtless have become popular because they extend low cost care that is not uncommitted elsewhere. A health center is fundamentally, any agency where health care is distributed, including education on health.

Long Term Health Care:

An individual who is not fit to take care of himself/herself and also not able to perform his daily duties like eating, having his bath or even dressing on his own may have to rely on long term care. Even certain diseases also make long term care necessary. Long term care need not be received in the hospital it can be received at home also. In general long term care is required by individuals who are 85 years or more. Long term health care is a bit costly and can be undertaken only by those who can afford it.

Steps can be taken to make health coverage affordable to one and all.

- The information with regard to health care cost and the medical procedures should be made easily available to consumers so that they are educated on that topic. This will help them to make better health care choices.

- Results and the outcomes of alternative medical plans have to be made available to the consumers. This will help them to take more informative decisions.

- Consumers themselves have to be more responsible towards maintaining their health and knowing when to seek treatment.

- Dizzy lawsuits and the threat of suits make the doctors to practice defensive medicine

- Consumers should allow their physicians to guide them on the most suitable treatment for their sickness or otherwise.








Chris McCombs manages a socalworkout.com/sitemap.html Personal Training Directory. At one time Chris was 143 pounds overweight. Chris lost the weight and started his own fitness business Positively Fit Inc, where he directs the socalworkout.com/Orange-County-Bodybuilding-Program-.html Orange County Bodybuilding Program and the Fitness Boot Camp in Irvine, California.

Tips for Hiring an In Home Childcare Provider

This week's parenting topic: Tips for hiring an in-home childcare provider

In-home childcare can take on many names, e.g., au pair, nanny, babysitter, mother's helper. Parents can find in-home childcare through placement agencies or by performing their own search and interview process. When a potential candidate is ready for the next steps, a telephone screening is recommended as well as personal background checks.

In this Internet age, an online search can be used to find any information on the prospective employee. After the initial screen, you'll want to schedule an initial interview. This first interview is an opportunity for both of you to become acquainted and ensure your attitudes toward child rearing are aligned. The children should not be around for this initial interview, so you may get to know each other without distractions.

Encourage the candidate to talk about previous experiences and ask why they enjoy working with children. A good interview should entail both talking and careful listening. Does the interviewee ask about your child's schedule, temperament, likes and dislikes? How much do they know about the developmental needs of children the same age as yours? Give examples of situations and ask how they would be handled.

If the first interview goes well, schedule a second interview for about an hour in duration. During the first half, you should introduce the child to the potential caregiver. Let the child stay with you and let them get used to this new person. For the next half hour, go into the next room so you may observe them with your child from a short distance. Prepare the child in advance by telling the child that you need to go to the bathroom or make a phone call. See how the candidate interacts with your child and responds to your child's actions. Keep in mind, there will be some tentativeness from both of them during these initial interactions.

The caregiver will be in your home with your child and it is important that they are the right person for your situation. Trust your instincts. If you are uneasy about someone, do not make a job offer. After the interview, give yourself and the candidate some time to think things over. Be sure to use this time to consider the salary and other benefits you are able to offer.

Questions for In-Home Childcare Interview

? What's your educational background?

? Tell me about your childcare experiences, previous jobs. What did you like/not like about them?

? Why did you leave?

? What is the best/worst childcare experience you have ever had?

? What would you do if my child had a high fever and you couldn't reach me?

? Have you ever cared for a colicky baby or a baby with any medical conditions?

Childcare Philosophy

? What do you think the primary responsibilities of this position are?

? Do you think routine is important? How do you develop a routine?

? Is it important to talk to an infant?

? What type of activities would you do with my child?

? How and when do you think children should be disciplined?

? Do you think a baby should be picked up whenever it cries?

? How would you comfort a crying child?

? How do you deal with a child who won't take a nap? If the child hits? Has a tantrum?

? How would you handle transition to a cup? Toilet training? Toddler bed?

Personal Information

? Tell me about your family and the environment you were brought up.

? Do you have siblings? How is your relationship with them?

? What do you like to do in your free time?

? Why do you want to be (or are) a child caregiver?

Family Relationship

? How would you handle a situation where you may disagree with me regarding a childcare issue?

? What positive changes will you be bringing to our family?

? What role do you see yourself playing as issues come up about my child's behavior?

A childcare provider is one of the most important positions to fill. Essentially this person will be co-parenting and you need to be sure that they will be loving, nurturing, supportive and aligned with your parenting style.

(Editor's Note: The opinions are not medical advice. Always consult your pediatrician about any changes you are contemplating.)








Rebecca Kammerer of Parents "R" Talking, Inc. l ParentsRTalking.com ParentsRTalking.com
Patch Article: gardencity.patch.com/articles/video-blog-parents-r-talking-3 gardencity.patch.com/articles/video-blog-parents-r-talking-3

Nursing Agency - Immediate Solution to Intensifying Nursing Shortage

Nursing shortage has been a problem since 1990. Because of understaffing at hospitals, clinics and nursing homes, quality of patient care is being put into jeopardy. Many cases have been reported that because of under staff of nurses at hospital, quality of patient care is being undermined. Surveyed conducted shows that nurses are over burdened with work. They have to attend to multiple patients more than what the federal guideline recommends on nurse to patient ratio. Because of too much pressure from work, some of them pursue other career, thus, making nursing shortage to aggravate.

There are many reasons contributing nursing shortage. The fact that nursing schools and universities cannot expand their enrollees only proves that the bottleneck of the problem starts with them. Due to deficit nursing faculty and educators, they have to turn away hundreds if not thousands of aspiring candidates. As much as they wanted to help eradicate nursing shortage by increasing the number of future nurses, they can't accommodate much of them. Incoming nurses are fewer in numbers yet the demand is so high. The aging population of nursing work force continues to intensify and it is expected that most of them will hit retirement age by the end of this decade.

The nursing shortage is really a serious problem. Hospitals do seek the help of nursing agencies to fill-in their need of nurses. Most hospitals are comfortable hiring health care professionals on these agencies because they are assured that nurses coming from here have gone through a lot of tests and is definitely qualified.

Nursing agency business is one of the fastest growing industries nowadays. Many are starting a nursing agency because of its high demand and profitability. Starting a nursing agency is one good business that will surely have your investment back in just a short span of time.








Phoebe Wellington has been proficient in providing info specializing in nursing shortage solutions, assisted living business, nursing agencies, effective healthcare ventures, and other healthcare-related topics. She is an adept writer in this field and has also been an adviser for online healthcare entrepreneurs.
startinganursingagency.com how to start a nursing agency

Coming Home - 5 Things to Prepare For Your Parent's Homecoming From a Skilled Nursing Facility

Coming Home

Bringing a family member home after a stay in a skilled nursing facility (SNF) or rehabilitation center, or directly from the hospital, can be an overwhelming challenge emotionally and physically. If you are going to be a caregiver either in your own home or your parent's, to minimize emotional overload you need a plan. I'm going to give you one. First, let me share my story, and then I'll recommend what to do.

My Mother's coming home tomorrow at 2 p.m. "Home" I've learned over the last three years is wherever your loved ones are. I have been traveling from my "grown-up" home in Virginia to my "childhood" home in California, looking after my 86-year-old Mother (only child of only children). It's been a joy, but whenever I leave one place, I say "I'm going home." This last trip I decided both are home -- so I now refer to them as "the ocean" and "the farm."

My mother's coming home tomorrow at 2 p.m. is real for her. This has been her main residence or second home in California for over 30 years. I've been a nomad in it as I have come and gone to look over her care and be with her in a beautiful (we have been blessed) skilled nursing facility close by.

But it struck me one night as I lay in my nomad state watching TV that she was doing the same thing several miles away, so why shouldn't we be doing it together? She has been in the facility for three years. They had taken great care of her. When I left to go to the farm after her first hospitalization, I worked hard to get caregivers for her at home who would care for her in my absence. She wasn't really sick, just immobile and afraid to be touched. She graciously growled at every lovely lady who came in, and I again knew in that moment, if I left, she'd kick them all out, so it was back to the facility, which kindly took us in.

Fast forward three years and she's been well cared for. Her mind is still sharp. Yet, she had come to the point where all she wanted was to lie in bed, be left alone, not eat (except for the chocolate I brought ever day) and said repeatedly she was living too long. In our care plan discussion, the lovely hospice social services lady, Paula, told me to be prepared, that it was not unusual for women to just start shutting down until they pass away.

Then a funny thing happened on the way to "home." My mother rallied. Three days before the scheduled departure I get a call from wonderful, Kit, the Head of Nursing. "I've got the greatest news. Mom has been up in her wheelchair, sitting in the Activities Room, taking all three meals in the dining room" -- which she had always called the "old people's room" and refused to go into, preferring meals in her room. I'm told the staff in amazement is calling this the "Awakening of Mrs. Lee."

Her front room with the ocean view is all ready to go, new bed (not a hospital bed, you need a special bed~more later), a lovely sofa bed to sit in by day and hang out with her all night if necessary, all my "little girl" furniture of which I was most proud has been taken away to make room for this new era in our lives.

My mother's coming home tomorrow at 2 p.m. -- from now on that's where I'll be hanging with one-half of my family at "the ocean." What joy.

I want you to have the same experience -- with or without the ocean. Here's what you need to do:

1. If your loved one is in a SNF, hospital, or rehabilitation facility, sit down about a week before you are planning to bring your parent home, listen and ask lots of questions!

2. If your parent is on hospice, hospice will offer a hospital bed at no charge. The standard in the industry says they are unbearably uncomfortable. If finances are an issue, you may have to take the bed. It is a blessing hospice even provides all that they do. If you are able to spend some money, I recommend checking into a nursing home bed distributor. Some of those beds are better than others. I worked directly with my "team" at the nursing facility (they have connections, you just have to ask and push) to arrange for a top-of-the-line bed to rent for $150 per month. The bed can also be purchased. The IMPORTANCE of this type of bed is that it moves the body in all different positions, crucial to prevent bedsores, and allows the bed to go all the way to the floor if your parent has a tendency to fall. Hospital beds don't go to the floor.

3. Hospice will also provide an eating table that goes over the bed for meals and holds drinks during the day, a wheelchair, oxygen, and a hoyer lift, which takes us to #4.

4. There are different sizes and kinds of hoyer lifts. You will want to talk to hospice about what they can provide, or check on your own -- Google "hoyer lifts" -- to find the right one for you. They will aid you in lifting Mom or Dad out of the bed and putting them in an armchair or wheel chair. You need practice, so ask the facility to show you how it works and practice with your Mom or Dad before they come home.

5. Finally, but equally important, finding caregivers to support YOU! You cannot take care of your parent 24 hours a day -- it is a physical and emotional impossibility. Watch out or the bed your Mom or Dad vacated might soon be yours! Reputable, trustworthy, bonded caregivers are the key. Ask your facility for whom they know to be the most trustworthy caregiving agencies. You will want to interview the caregivers and introduce them to Mom or Dad. If one doesn't work out, don't hesitate to ask for another. This is the most important step--you are entrusting your parent's life to another so that you can get out and have some recreation time, etc., AND you want someone in your house you can trust while you're gone. Put any valuables away. No matter how great we believe someone to be, we never truly, truly know them, especially in this setting.

You can do it. Loving your parent through this difficult time is a challenge, but will give you those special moments you will treasure forever. Corny to say, but love is a powerful thing, and serving your Mom or Dad at this time in your life is healing to them and a gift to you.








Jane Allison Austin, J.D./M.A., is an elder law attorney and elder care advocate in Southern California, who is passionate about guiding your family and advocating for your parents in managing the healthcare system and the laws that come with it. Visit Jane Allison at yourelderlawadvocate.com yourelderlawadvocate.com or join the conversation at twitter.com/JaneAllison twitter.com/JaneAllison ~~ What are your questions and concerns about elder care?

Elder Care Business in 2009 - Opening and Marketing Your Dream

I love the start of a new year. It brings to mind that the possibilities are endless, and for many of us, it's a great time to start something new or different in our lives.

I'd be a rich person if I had a nickel for everyone out there who has decided to open a new in-home care agency, open a professional geriatric care management practice, or start some sort of elder care business. (I get a call or email about this at least 3 times per week consistently!)

What I know for sure is that there is plenty of business to go around. As we live longer, as our parents and grandparents live longer, we create an unlimited opportunity and need for senior related services.

The key is to create an appropriate and realistic business and marketing plan that generates clients and results. The key to the senior market, is not surprisingly, their adult children.

If you have been in the senior market for any amount of time, you know that families often contact senior service providers when they are in crisis due to an acute illness or other event that signals the need for services and support.

So whether you are just starting a new senior/elder care business, or already own one- think about marketing to more than just seniors. Your target audience may be a little younger than you imagine!

Consider some of the other things we have talked about over the last few months:

o Issues related to senior living options, senior care options, and financial issues that affect seniors require education, so educate your prospects.

o Advertising with vanity ads and the "same old thing" is "OUT", and offering information in the form of a free report, CD, seminar, or consultation is "IN".

o Directing messages to baby-boomers who HAVE aging parents is key. Finding them is not as easy as buying a "list".

o Understanding financial options for seniors is a MUST for all senior service providers. It's impossible to offer good advice to a family if you aren't up on the latest programs and strategies.

o Networking is possibly the most effective and least costly form of advertising and marketing. You should attend only the networking events that make sense for your business. Pick 2-3 key groups and stick with them. (But try as many as you can, it never hurts to check out a new group!)

o Finally, when you are budgeting for your marketing, budget for consistency and frequency, not the big bang. This market does not work like that.

o The reality is that you must touch a consumer 6-10 times- either through print, radio, or TV, in order to get a response. o Running a radio ad 4 times and pulling the ad because you didn't get a phone call is not the way to execute a marketing strategy.

o This is a sensitive subject for many (long-term care needs), so in short order you must articulate your message, interrupt your target (ie get their attention), engage them, educate them, and then make an offer.

o Offering something for free- your time, your printed report, your audio CD, etc, will get the most response. Some people like to remain anonymous...so let them, but engage them.

Finally, this is a very good year to live your dream, be an entrepreneur, and serve the greatest generation of all time. Take a realistic, slow but steady and consistent course of action, and you will succeed! We need more senior service providers who really know their stuff. We need senior service providers who are educated, efficient, and trustworthy. Best wishes for continued success in 2008!








For more information and a free ezine on Senior Service Marketing visit MySeniorService.com [MySeniorSerivce.com]

Valerie VanBooven RN, BSN, PGCM is an author, professional speaker, and expert elder care marketing consultant. She can be reached at

Data Entry: Work From Home Jobs

The popularity of data entry jobs is on high among those people who want to get rid of those hassling activities which happen before reaching work station, for instance; get ready to go to office, wait for a bus or office cab or stand in a long queue at bus stand, get trapped in a unexpected traffic jam, all these activities are infuriating as well as tiresome. This is why more and more people are trying to overcome all these frustrating activities. Now, keeping their requirement into consideration many companies have launched their data work in the arena of the internet.

Data entry is the process of placing information into a database in convenient manner. And the services meaning processing of data or text documents into programs with job unambiguous instructions. These days, from all over the world, people are looking forward to do such jobs from home.

Before you make up your mind to do data entry jobs, you must be aware of all the ins and outs of this trade, in other words, you must scan all the available opportunities over and above gaining insight into its workings. Recently, a plethora of companies are becoming the part of this business with their work, which requires data work at home services for processing information to plan for going on growth of the company. First and foremost, you must go through all the guidelines of these jobs carefully, after reaching to a decisive point, you must think of doing it. There are many kinds of data entry jobs which are integrated with different features.

The industries offering these services consist of:

Financial institutions.
Medical facilities.
Automobile manufacturer books.
Collection agencies.
Insurance groups.

The reasons of picking data entry jobs at home concentrate upon two things:

The aim of earning money from data entry jobs is to supplement your finance. And you do not need to do work under somebody and it gives power of becoming your own boss, master of their own time and the freedom to manage work according to his willingness. By such jobs, the work stress cannot be seen on your face because you have your own working schedule which is very imperative. On the other hand, the companies which look for data entry work at home services lay stress upon, to get the best out of their employees in a precise manner.

Work from home permits the data operator to work as per his or her own set schedules. Working at home provides convenient manner, and you can create working atmosphere in accordance with their requirement. By working online which can keep you away from traveling, traffic, and crowd, while reaching to work station.

The significant factor is completion of work and the deadline is designed by you to finish the work, no body will force you to finish your work.

As we know that there are many advantages in data entry jobs but it has disadvantages too:

The operator should arrange all the equipments, which is very expensive and bear breakage too. In case of being ill, you will not be paid by the companies at all. No extra facility is available by the companies for example insurance policy, retirement policy, medical and health insurance, and so on.

Each coin has two sides so it is unto you how productively you can bring out fruits of success for yourself.








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Tuesday, May 13, 2014

Points To Consider When Purchasing a Home in Foreclosure

Many of us were interested in buying a house that would be comfortable for us and our family. Because of what's happening with the real estate economy nowadays, there are some house that are being sold lower than its original price. These houses may be are the result of some owners who weren't able to pay their monthly dues or they don't have enough money to continue paying for the monthly dues. But getting a house in foreclosure sometimes may not be that worth if the buyer will not carefully consider the quality of the house being sold. Purchasers must investigate well on the property before deciding on buying it. You don't want to be sorry in the end. You want your hard-earned money to go to something that is worth to buy for.

If you really wanted to get a house in foreclosure, there are some things you need to know and take into consideration with. Contacting some real estate agencies and ask for this kind of house can be of a great help. With this, you'll manage to have the list of the properties being sold in foreclosure and if ever you can visit them and try to investigate the quality of the house. For that reason, you can be able to choose and take notice of the defects the properties have. Keep in mind that not all houses that are being sold in foreclosure are exquisite or in good condition.

One other way of purchasing a home in foreclosure is to go to some auctions. This is where people bid for the property in the highest price they could offer. If you were able to acquire the property with your bid, you need to pay for it in full or sometimes the auctioneer will also require you to pay the desired down payment for the said property. So you need to be ready for the said payment. And because some auctions are strict with their policies, if the bidder won't be able to come up with the payment, they will decide to forfeit the down payment.

There are also some banks who would provide you with homes in foreclosure. And because these banks don't want to hold on to these properties for long, they would rather offer a lower price on them. This will allow you the chance to purchase a house that you want. These are the properties that have been owned by the bank for the reason that the prior owner couldn't make up for the payments. Because of this, it's for the bank's decision to release these properties on their own interest and in the price that they would like to offer.

After extensively thinking about this, you can now decide which one you would like to choose. But never forget that buying a home in foreclosure is not that easy. There could be some problems that you might face along the way so you should be able to ready yourself for them. It's significantly better that you ask help from a professional that can give you advice on this.








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Child Care Center Funding Options

While a home daycare can be started with very little initial investment, you will need access to some funding if you are to get started off properly. Let's look at some of the child care center funding options that are open to you if you want to get started in this rewarding and potentially lucrative industry.

The Independent Route

Firstly, you should try to avoid going into debt right away. If possible, fund your child care business independently (through your own funding or family funding) and reserve your access to credit. Things may not go as well as planned during your first six months in business and you may need to seek external funding to tide you over if your business is growing at a rate that is slower than expected. Funding your own venture is the course of action that is most recommended although for many it is just not possible and they do have to look for outside financing or investors for at least part of their child care center startup up costs.

Funding from Partners or Investors

If there are no close friends or relatives lining up to lend you money you may be able to find an investor or partner among your wider circle of associates. In return for their funding you could give them an equity stake and some degree of influence and control over the child care center depending on how involved they wanted to be. Venture capital firms can find these kinds of investors for you but they are usually only concerned with larger startups.

Commercial Bank Financing

Most commercial banks offer small business loans with varying interest rates and varying repayment schedules. Have a solid business.educationeasy.net business plan that you can take to them and make sure that you are prepared to prove to them that you have sufficient funding to cover at least part of the set up costs. It is likely that you will need some kind of collateral that you can sign over to the bank to give them a guarantee that they will be paid back. Having a good account history with the bank in question can also help to secure financing.

Government Grants and Small Business Loans

Various government agencies offer small business loans or even grants that don't have to be repaid at all. The problem here though is that many other entrepreneurs are chasing these limited opportunities so if you want to have any chance of success you have to have a worthy application that outlines not only your business.educationeasy.net business plan but also what your business will do to help your community.

Even though child centers are a unique business model in terms of the service that they provide to families it is still difficult to qualify for any type of government funding unless you are a non-profit. Some states do more than others to provide assistance such as helping you to access credit quicker and at more affordable interest rates.

Credit Card Funding

As a last resort, if all else fails you can simply get some cash advances on a variety of credit cards. Beware though as this method is dangerous due to the high interest rates involved and should only be done if you are confident that your business will grow fast enough to allow you to start making sizable repayments within a few months.

Whatever financing method you use you should make sure that you won't be handing any of the control of your business over to your financiers unless you are perfectly happy with the arrangement. Whether you fund your child care center yourself or through some form of external financing, make sure that you are putting these funds to the best possible use, in a way that allows you to be successful and achieve a high return.








For more articles on topics such as how to write a startadaycareservice.com/articles/daycare-business-plan daycare business plan and to compare some of the top guides that are helping daycare business owners to fast track their way to success visit - startadaycareservice.com Start a Daycare Business

How to Become a Healthcare Administrator - A Comprehensive Guide to Help You Follow Your Dreams

Do you possess leadership qualities or look forward to an administrative oriented career? Then perhaps becoming a Health Care Administrator might be the right job for you. Here are some of the basic guidelines to help you start a successful career within this field

Length of Training/Requirements

In order to qualify as a Health Care Administrator, you must opt for at least a bachelor's degree from any good health care administration school. Most employers nowadays also ask for a master's degree in health care administration, health information technology, long term administration, health sciences, public health or even business administration.

Another aspect I must warn you about is that this is quite a competitive field. So, in order to enroll in an adequate graduate program, you must maintain your grades. Also make sure that your school is accredited by the Commission on Accreditation HealthCare Management Education (CAHME).

Skills Required

Apart from the educational requirements, some of the basic skills that are required for this job include:

Strong leadership qualities
Self-control
The ability to work under pressure
Tactfulness
Sympathy
Strong communication, negotiation and interpersonal skills

Duties and Responsibilities

As a Health Care Administrator, you will not only be required to coordinate day-to-day activities, but also develop and implement business strategies as well. Some of the most common duties and responsibilities expected from you include:

Coordinating and organizing finances as well as assisting in the management of health facilities
Managing overall policy directions as well as implementing them
Collecting up to date medical records
Overseeing compliance with government agencies and regulations
Assessing the need for different services, equipment and personnel
Making recommendations regarding the expansion or curtailment of services and the establishment of new or auxiliary facilities
Working closely with doctors and giving preventative care
Hiring, training, and supervising staff

Thus, your primary role is to represent your institution to outside organizations.

Certification and Licensing Requirements

A license is usually not required in this field, except for nursing home or long-term care administration. However, if your state does emphasize on it, then you must meet the educational criteria that has been set by the State Board of Nursing Home Administrators, which is regulated by the Department of Health. Moreover, you must also pass the state and national examinations, and continue education every two years to renew your license.

Career Outlook

This is a rapidly growing field which continues to evolve and expand with time. However, as a Health Care Administrator, you might have to begin your career either in a small hospital or as an assistant in a large medical institution. From there, you must put in all your efforts and gain as much experience as possible in order to advance as a Health Care Administrator. Thus, you will be able to move up the ladder towards a better job and higher paying positions.








Lisa Thomas is your guide to medical careers.

Learn about medicalassistantvacancies.com/healthcare-administration-and-management.html Health Care Administrator. Search for health care schools near you and receive free information from Health Care Administrator schools at medicalassistantvacancies.com medicalassistantvacancies.com

Great Demand For Registered Nurses

Recently, jobs that are considered low scale are booming and the nursing profession is one of these. But comparing with other jobs which belong to the same category, this profession is better paid. Registered nurses are still becoming more in demand as time goes by therefore there is no doubt that they have good career ahead of them.

There are different fields for the professional nurses where can have their work. The in demand fields nowadays are anesthetist, pediatric, labor and delivery, psychiatric, and orthopaedic nurses. You have to be a registered nurse to qualify for these fields.

This is a rewarding job because you can be able to help people. You can even pursue higher education while working because you already have the capacity to do so. You can also have hands-on experience which will enable you to learn more things.

It is projected that the demand for registered nurses would have job opening of about 2.8 million after few years. This only shows that registered nurses are in demand. Newspapers reveal that there is a great demand and at the same time shortage of this profession. It is considered a shortage in the sense the people are willing to increase the benefits of the nurse in order to fill the position. There are also many individuals who are willing to pay the relocation expenses of a registered nurse. Some are even offering a different compensation package just to convince the nurse to accept the offer.

Different work areas are available for the registered nurse. He can work with seniors whose population are steadily is growing, in health and home care facilities, in schools and in different industries because they need someone to do first aid in case of emergencies.

Nurses play an important role in the hospital. The hospital is still their place to work in even with the presence of other options. In the hospitals, these nurses are charged to provide care to patients. They can also extend care for the out-patients. Sometimes they enjoy higher pay when caring for patients outside the hospital than in the hospital.

One good option for the nurses is to experience as travel nurse. This is an exciting and at the same time an educational option You can be paid higher with free travel, accommodation and insurance. You can also meet new peoples with different cultures and backgrounds.

If you are not fond of travelling, you can opt to try being a home care nurse. This is equally challenging and you need more time to adjust. But you will reap the benefit of this job in the future because special skills that are needed in your profession are learned here first hand. Thus, you will be rewarded with your dream job after learning those skills.








For More Information See: startanursinghome.com How to start a nursing agency business visit startanursinghome.com startanursinghome.com

6 Tips to Understanding the Non Medicare Home Health Care Agency A Guide For Our Aging Population

The non Medicare home health care agency will meet the needs of an aging population. Surveys of those over 50 years old, consistently shows that nearly 90 percent of them want to remain in their homes and communities as they age.

We are an aging population that is living longer and healthier than previous generations. So it is important to plan and prepare for those years when we may need assistance of some kind.

Preparation and planning for those years should start while you are still well and able to make decisions about the future. Many of the aging population ignore that there will be a need of any kind for assistance in the future. Many will wait, until an emergency or crisis occurs, then they are ready to take action. For many, the lack of planning and preparing means they will not be able to return to their home or their community. Many individuals that have been placed in a nursing home are there because they did not plan for those unplanned events life throws our way.

Consider all the possibilities

Preparing for remaining at home and in the community as we age requires identifying what we want to accomplish and taking a look in to the future. It may not be a pleasant thought, but consider all the possibilities that you may have to experience as you age. Don't count on family members to be there to assist you. Remember, you are looking into the future and you do not know what the future will bring.

Will you need assistance with transportation, cooking, laundry, bathing or dressing? If these scenarios did occur, how would you pay for the services you may need?

More on An Aging Population Guide to the non Medicare Home Health Care Agency...

Did you know that the present cost of having a non Medicare home health care agency today averages about $20 an hour? That an assisted living facility can cost on average $36,000 a year. A nursing home can cost over $77, 000 a year.

When planning and preparing for aging, it is important to consider how to pay for the services we are gong to need.

Surveys of those over the age of 50 years old show that most aging adults want to do things on their own terms, in their own way. They want to maintain control over their life as they age. Planning and preparing for the future now, will allow you to maintain control over your situation as you age.

Is long term care insurance an option

Investigate long term care insurance. Contact a reputable company and discuss your options. It is important to ask about home health care and a cost of living rider. Since we are an aging population that is living longer and healthier, you cannot be sure when you may need those services. With the rising costs of healthcare you want to be prepared and able to make you goal of aging at home a reality.

A non Medicare home care agency can provide a variety of services to support you to remain in your home as long as possible. It is the goal of the home health care agency to determine your needs and provide you with the level of service you require.

When the time comes for utilizing a non Medicare home health agency, it is important to interview several and compare.

Some important things to look for in an agency are:
Material that provides information on funding sources, eligibility requirements and fee schedule. Do they have an annual report available to review about the company?

Do they provide educational material to the aging adult, as well as to the family regarding health/mental health conditions pertinent to the diagnosis of the aging adult?

Are you part of a franchise? How long has the office been in business? Are you licensed by the state? Do you have to participate and be surveyed by the state to maintain your licensure? If so, do you have results from your survey?

Can they meet any specific cultural or language needs of the aging adult?

Do they offer ongoing case management services?

Do they include the family in the plan of care? How often is the plan reviewed and revised?

The aging population will benefit from utilizing the non Medicare home health care agency in the future. It takes planning and preparation so that you can be in control of your life as you age. Don't allow the health care system to determine where and when you will live as you age.








Diane Carbo Registered Nurse has more than thirty five years in the nursing field. Her experience as a geriatric care manager, makes her uniquely qualified to help those who want to live out their lives in their own homes. That decision may be made when you are 20, 30, 40 or in fact at any age, with sooner rather than later being ideal. Please visit http//:aginghomehealthcare.com/home-health-care-agency.html aginghomehealthcare.com/home-health-care-agency.html and sign up for Aging Home Health Care Ezine, her free newlsetter, and receive a complimentary copy of the Home Health Care Planning Guide.

Monday, May 12, 2014

Women and Abundance

There is a coming crisis regarding womens issues on aging and their financial future. "Nations of the world face the challenges of helping aging women attain economic security and promoting the productive potential of woman as they grow old." An International Report Prepared for the United Nation Second World Assembly on Aging.

The purpose of this article is to explore some of the economic issues facing women as they age. Is there a solution to these issues?

What are the key points of concern for women of the baby boomer generation?


In 2004, the average income for a single woman age 65 and older was $9,430 a year. In the United States, approximately 70% of older households have annual incomes below $35,000. Almost 30% of those households have incomes between $10,000 and $20,000. The highest rates of poverty are found among older single women, a category that includes widows and divorced women as well as those who never married.



In 2003, 3.4 million Americans age 65 and over live below the poverty level, 71% were women. About 3.6 million elderly persons (10.1%) were below the poverty level in 2005. This change in the poverty rate was not statistically different from the poverty rate in 2004. Another 2.3 million or 6.6% of the elderly were classified as "near-poor" (income between the poverty level and 125% of this level). Older men were much more likely to be married than older women, 72% of men, 42% of women in 2005. 43% of all older women in 2004 were widows.



For one out of four of these women, social security was their only source of income. As primary caregivers of the house, they contribute less to their social security, and are generally paid less when they do work. Many of the widest pay gaps occur in the best-paid jobs with the most highly educated workers. Among physicians and surgeons, the highest-paid occupation for men and women, women earned 63% of what men did. This was the same ratio for female and male CEOs. Female lawyers earned 74% of what male lawyers earned. 101 Facts on the Status of Workingwomen, Published July 2005.



Half of older women age 75 and older live alone. By 2020, this total will be 13.3 million and 45% of these women living alone are poor or near poor. (same article as above). The number of childless women has grown to an alarming rate - there will be no one to care for these women in their old age. The average American life expectancy in 2003 was 77.6 years. (80.1 women and 74.8 men) Women live longer than men by an average of 5.3 years. This means that about 85% of women die alone - either unmarried, divorced, or widowed.



New vulnerabilities concerning standard of living in retirement: Declining stock prices after the crash of the high-tech sector in 2000 pushed many pension plans into deficit status and undermined the value of individual retirement savings.

For many women, facing the "golden" years is going to be difficult. Lack of planning and changing economic status will have them in a financial bind.

What are the Possibilities?

The number of women-owned businesses in this country grew at twice the rate of all firms between 1997 and 2002, jumping 14 percent to 6.2 million, according to the Center for Women's Business Research. Women-owned businesses account for 28 percent of all privately-owned businesses, and employ 9.2 million people. They contribute $2.38 trillion in revenue to the U.S. economy, according to the Small-Business Association. By Nancy Michaels As seen in the a special advertising section in of U.S. News & World Report

Nearly half of all small businesses are owned by women. (President Bush Discusses Jobs & Trade at Women's Entrepreneurship Forum, Cleveland Convention Center.) Another study found that the number of female entrepreneurs is growing at 3.3% annually which is greater than the number of men who are becoming entrepreneurs.

Aging baby boomers will lead a surge in start-ups that will accelerate the economys recovery. The number of self-employed 55 and older entrepreneurs has increased 18% from 1994 - December, 2003. These senior entrepreneurs now represent 28.7% of all self employed workers, the highest percentage among all age groups, according to the Bureau of Labor Statistics. These "seniorpreneurs" will be major employers of other aging boomers like themselves, ensuring that the unemployment rate among older workers will continue to remain the lowest of all age groups.

To a lot of boomers, retirement means continuing to work in their own way and reinventing themselves.

Is there a solution?


One solution for many motivated baby boomers has been network marketing or direct sales. According to Donald Trump:Marketing is a powerful tool, and network marketing can increase that power.



See a product and remove the advertising agency, You do the marketing and advertising



Network marketing has proven itself to be a viable and rewarding source of income



My advice about network marketing is to do your research, and put everything you've got into your product. Genuine enthusiasm is hard to beat.

So what is network marketing? There is no mystery to Network Marketing. It's just another form of sales and distribution. "Call it the age of direct selling. With its emphasis on personal, one-on-one relationships between distributor and consumer, convenience, and a high degree of consumer education, the industry may be tailor-made for today's consumer and company." Fortune, The Power Issue, vol. 148, No. 3

How do you pick a winning network marketing company? There are literally thousands of companies on the market today, all promising to get-rich-quick. There are 5 major factors to consider when selecting a company:


What is the reputation of the company? Remember that if it appears too good to be true, it probably is. Just as in a traditional business, you will have to put considerable effort into getting your business started. This effort can be done on a part-time basis, however, it is still effort.



What kind of support will I have to help me get started? Take a look at training provided by the company and by those who are presenting an opportunity to you. Are there training calls, both live and recorded to help you get started. Is there a specific business.educationeasy.net business plan that outlines what it will take to be successful?



What is the initial cost of startup? Can I reasonably expect to recoup my startup costs in a short period of time? Can my startup costs be covered by the tax savings provided by establishing a home-based business?



Is the product or service I will represent something that I am passionate about? You don't want another job, make it fun.



Is the overhead low enough that it can be covered by my tax savings in the beginning? Avoid going into debt just to start a new business if possible.

Statistics show that approximately 8,000 new home-based businesses start daily in the U.S. alone. This means that a new home based business starts every 11 minutes! It is estimated that by 2010, a whopping 69% of all households will support themselves from some form of home-based business.

Direct Selling is an equal opportunity for financial and personal growth to women and men from every background. Direct selling helps minimize the risk involved in starting a business. "The beauty of direct selling it that it's all done for you, the only thing you need to do is find a reputable company, one that you can trust, that offers a product or service you believe in and can get passionate about." David Bach, Smart Women Finish Rich

"Direct selling provides an unparalleled opportunity for millions of people to take responsibility for their own economic wellness, create long-term financial stability, and realize significant wealth, even while enriching the lives of untold numbers of others." From:The Next Millionaires - Paul Zane Pilzer, has served as economic advisor to two U.S. Presidents and is world renowned as a leading predictor of economic catalysts and trends. He is author of five best-selling books, including Unlimited Wealth, The Next Trillion, and The Wellness Revolution; his books have been published in 24 languages. Pilzer has started several entrepreneurial businesses - earning his first $1 million before age 26 and his first $10 million before age 30.








For more information on marketing your home based businesses, visit businesstrainingteam.com businesstrainingteam.com/

Although Sue White found success in the corporate world as a CPA, and enjoyed great success as an entrepreneur owning and operating a computer training business for 14 years (which sold for a nice profit) - she still didn't have the freedom she was looking for. No regrets though, she now has the experience and know how (tax benefits, computer savvy, business ownership) to lead people into a journey of having their own home business - and freedom. Today, Sue operates three successful businesses out of her home and she is willing and ready to share her experience with you! businesstrainingteam.com businesstrainingteam.com/

Eco Friendly Houses - What Is A Green Building?

What is a green building and why should you care? Why are people building efficient green homes? What is the number one reason for the increased demand for eco friendly houses? The answers may surprise you!

What is a Green Building? A green building (the noun) is a building that has been specifically designed to save energy, promote healthy indoor air and have much less impact on the environment.

Green building (the verb) is mainly a construction term used to describe whole house system design and techniques that use eco friendly, or green building, materials and components.

The following terms are pretty much interchangeable when talking about houses: eco friendly houses, eco friendly home, eco home, eco house, green house, green building a house, green home designs, or building efficient green homes.

Here are some great examples of using green materials for the home:

1. recycled glass counter tops - stylish and eco friendly

2. bamboo flooring - grows quickly (sustainable) with durability comparable to hardwood

3. eco friendly furniture - made from sustainable or recycled materials, or certified wood

4. tankless water heaters - water is heated on demand, saving energy

5. low flow shower heads and LED faucets that turn on and off automatically

6. energy saving appliances and light fixtures

7. renewable energy sources such as solar and wind power

Why are people building efficient green homes? Why eco friendly houses? As I mentioned, the answer may surprise you. Most people think the number one reason to "go green" is for the environment or to save energy...but, according to a recent survey done by the folks at Building Green TV and RCLCO, the number one reason people are building eco friendly houses is for health reasons! In fact, a full 42% of those surveyed replied that health was the number one reason to build a green home. Only 17% said they would be motivated by energy savings, and only 12% for the environment!

What do eco friendly houses have to do with health? According to the U.S. Environmental Protection Agency (EPA), the list below contains just some of the things that may be causing your family health problems inside your home:

Radon, Environmental Tobacco Smoke, Biologicals, Carbon Monoxide, Nitrogen Dioxide, Organic Gases, Respirable Particles, Formaldehyde, Pesticides, Asbestos, Lead, and Chlorine.

In fact, the EPA estimates that the pollution levels inside your home could be 3-70 times the outdoor pollution levels in major cities - yuk!

Makes you want to open a window now, doesn't it?








Want to know more about eco friendly houses?

I've just completed my brand new guide, 'Secrets to Creating a Healthy, Eco-Friendly Home'.

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Isabella R. Green is a full time internet publisher, writing articles and ebooks that help people create eco friendly houses.

Turn the Tables on Debt Collection Agencies

When you first get into a debt problem situation with unsecured debt, you may have picked up the advice that you should notify all your creditors about your problems. I'm sure that this is a good idea, but don't expect it to change the way that your creditors deal with you. In most cases they will pass your details to their own debt collection department or even an external debt collection agency that will pester you endlessly over the phone and by letter. It doesn't matter if you told them 2 days ago that you could not pay, they will still phone again just to make sure that you can't pay now (and to keep the pressure on).

How You Can Turn the Tables on Debt Collection Agencies

Most people don't realize that you do not have any obligation to speak to your creditors about your debt problem. With the exception of secured debt such as your mortgage, speaking to them doesn't usually change the outcome. Creditors will follow their own debt collection procedures more or less whatever you do. Once you have notified them you have a problem your time is much better spent considering how you are going to resolve the situation (e.g. Debt Management Plan, IVA, Bankruptcy).

If you dread picking up the phone then there are things that you can do.

1. Use your answering service! Most phone companies provide a free (or very cheap) message-taking service. Get into the habit of not picking up the phone and let whoever is calling leave a message. When you listen back then delete the message as soon as you work out that it is from a debt collection agency.

2. Change your phone line (through your service provider) so that it doesn't accept callers which withhold their number. Most debt collection calls will originate from large call centers that have the "number withhold" set. Using this tactic will cut out a surprising number of calls.

3. Change you number to an ex-directory one. Make sure if you do this that your own number is set to "withhold" otherwise people will gradually get to know it. Do not put your number on any official forms of any kind.

If opening the morning post is a distressing experience for you then get into the habit of scanning the top part of any letters so that you can work out whether it is from a debt collection agency. If it is, then throw it away without reading it! Most of what it contains will probably be unsubstantiated threats and lies anyway so why depress yourself. Do keep any eye out for any court documents, as these do need urgent attention.

If someone does call at your house to try an collect the debt (and for most debts this is extremely unlikely) then get them to establish exactly who they are. If they are a debt collection agent you are under no obligation to speak to them. If they refuse to leave your property the they are actually trespassing! If they are a bailiff you have to be a bit more careful. For most personal debt they do not have the right to enter your property. In fact, it is vital that you do not let them into your own property (or leave any doors unlocked or windows open that they could get through). They cannot push past you when you are standing at the door but if you let them in or they gain access through an unlocked door or open window then they can start removing your goods. It is worth stating again - NEVER LET A BAILIFF INTO YOUR HOME FOR ANY REASON. They will sometimes try and say that they need to use your phone or some other trick to gain access. Don't fall for it.

The idea of turning the tables on debt collection agencies is not to enable you to ignore your debt problem. If you ignore it for long enough it will get to the stage where drastic legal measures are taken. You should use the breathing space given by these techniques to consider what the long-term solution to your debt problems is going to be, and get some good free advice.








Visit my site for more information on debtadvice4free.com debt advice in the UK. All my advice is based on my own experience and is focused on making sure you get your debtadvice4free.com/2008/08/29/debt-advice-free-when-the-free-part-is-important-and-when-it-is-not debt advice free.

Long Term Care Insurance, Guaranteed Premiums and Other Misconceptions

Most people who buy LTC insurance are not aware about future premium increases. LTC insurance premiums are not guaranteed and may increase with permission from state departments of insurance. The obvious question is have they and will the in the future increase premiums? The answer is yes, they have and many will also increase premiums. Insurance companies can raise rates but only for everyone in the same pool of insured. The company cannot target individual policyholders for special rate increases despite the number of claims someone may make.

Other misconceptions about LTC Insurance:

o Medicare will cover all long term care costs. Not true, Medicare provides very limited options for only 100 days and only after a qualified hospital stay. Medicaid covers long term stays in nursing homes and is considered welfare.

o Medicaid will cover all long term care costs and protect my assets is also a false statement. Medicaid will only assist those who have no other financial option.

o The earlier you buy LTC insurance the cheaper it is! This is a true statement, but only because the premium is based on age and the younger you buy, the less the premium. However, LTC insurance can increase if approved by the state department of insurance.

o Veterans can use the veterans Administration for their LTC needs. The Veterans Administration does assist many veterans but the waiting period for assistance can be years and still doesn't guarantee a bed.

o My family will care for me is also an old concept not practical in today's society. In many households both spouses need to work to support the family and not often are their assets in place to care for a parent.

Are there options to help me decide which policy to buy? The answer is yes, numerous sources exist and many agencies will help. A solid tip is to ask for the insurance company's financial rating. The rating service will evaluate the company as to their claims paying ability and their ability to continue into the future. Many times the lowest premium is not the best, always ask for several options form your agent and never feel rushed into a decision. Take your time and make a logical choice based on your personal situation.








Bill Broich helps seniors plan for retirement. Visit his website for more information: annuity.com Free Annuity Booklet.

Great Catwalk Models Start Slowly

When a child is born, no one in their right minds would ever think that this cute little bundle of joy would grow up to be famous. However, as time goes on, the looks of the child, and how their personality develops, may indicate that the kid is meant for bigger and better things. Indeed, as they grow into their teen years it may only be too obvious that these children could make their living on the catwalks of the world. For those who feel that this just may be a possibility, try looking up 'modeling agencies' online to see how to proceed. A modeling agency will have more than enough information for the budding artist to find out if they are ready for the big time.

What a lot of parents do not realize is that this business can be rather cut throat. Today the person has the look that everyone is looking for, and tomorrow they could be right out of vogue. However, in between all this, the person could be making a decent living doing something that they love.

Even kids are needed for TV and magazine adverts but care should be taken that the child is not exploited in any way. Some parents push the child into doing this when all they really want is to be at home like all the other kids. However, if the kid is extroverted and ready for the limelight, then they should go on and try their luck.

Finding a good agent must be a high priority since contracts and negotiations need a lot of experience to get the best deal. As in all walks of life, this has to be the case of a willing seller and a willing buyer. Signing into a contract which stops the would-be super star working for anyone else is a big problem since this could halt their career right there and then. If the person or parent falls out with the agent, effectively, they cannot work until the contract runs out. Many famous people have fallen foul of these clauses in their early days so it is wise to be cautious for sure.

Once the agent has been chosen, and no fees should be required up front by the way, then they will go all out to get their novices work wherever possible. Although these jobs may be thin on the ground right at the beginning, by making sure that the work ethic is strongly in place, and by letting go of the diva attitude, the person should start to get a good reputation quite soon which will lead to more work eventually.

Some words of warning here though. Those people who offer to take photos for a certain price to create a 'book' of looks for the novice should be vetted thoroughly. Most agents will arrange some shots themselves and recover the cost when the work is coming in. In this way, those with some very dubious intentions are avoided and the novice can flourish slowly.








Stewart Wrighter has a friend on the West Coast whose daughter works for a seattletalent.net Seattle modeling agency. He has a friend who hired models from several seattletalent.net Seattle modeling agencies to do a photo shoot.

Minding Our Elders: Dad - Just Give Me the Keys!

Alice came in saying she’d gotten lost. My mother-in-law had gone to the grocery store – the same one she’d shopped at for thirty years. It was four blocks away. I was staying with my father-in-law, because he couldn’t be alone. A couple of hours passed and I was worried. Finally, I heard her footsteps in the hall.

She looked shaken. Confused. I asked if she was okay, and she said she was, but there was a hitch in her voice. Then she said she had gotten lost coming home. That was the last time she drove.

With my own mother, it was more dramatic. I went to her parking garage to get her car so I could get it filled with gas and get it washed. I noticed the side was caved in, and the yellow marker she parked by had blue paint on it. The same paint as her car. When I went back to her apartment and carefully mentioned the car, she looked totally confused. She didn’t remember anything. It must have been someone else. We got the car fixed, but it happened one again in a week. She finally came out of denial and realized she shouldn’t drive anymore.

Giving up driving is one of the toughest things anyone can do. It’s not just the driving itself, but the sense of independence it gives most people. When you can no longer choose to hop in your car (or even toddle to it behind your walker) and go somewhere – anywhere - you know you have lost something. My experience is that it’s tougher on men of my parent’s generation, than women. The men tended to identify more with their vehicles and also their independence. My dad gave in gracefully, when his eyes failed, and my father-in-law never really quit – he was just slowly losing the energy to even get to the car, so it happened naturally. But my uncle gave in as gracefully and a wounded elephant. Only a massive stroke stopped him completely.

What about the senior who won’t give up the keys? Who insists he or she can drive when you know it’s not safe for them, or for anyone else? There are a few options to try before “losing” the keys down the sewer grate.

If you are lucky, and your elder has had a particular doctor for an extended time, the doctor’s advice may be enough to convince them. But not always.

I’ve found three places with helpful advice. One is The Hartford. The site, [thehartford.com], offers brochures that have great tips on helping seniors know when to stop driving and more tips to help caregivers convince those who shouldn’t drive that they need to give up the keys. Go to thehartford.com/talkwitholderdrivers thehartford.com/talkwitholderdrivers/ and/or thehartford.com/alzheimers thehartford.com/alzheimers/. Your area Agencies on Aging site also has resources on older driver safety at n4a.org n4a.org. AAA puts out an interactive computer program where a senior (or anyone) can test their own driving skills, in private though a partner is needed. The program is titled “Roadwise Review,” and can be ordered on-line or you could call your AAA office. The company also has a series of booklets: “Straight Talk for Mature Drivers.” The series includes, among others, “Meeting the Challenge,” which talks about ways to compensate for the effects of aging on driving and “A Flexibility Fitness Training Package” suggesting exercises that can help driving performance. AAA maintains that they want to help seniors drive as long as it’s safe. Sometimes, this approach can help extend driving time. If not, it may help convince the senior that it’s time to quit.

Finally, many hospitals and clinics have programs built in, where they will do a physical and psychological exam, and then have the senior take a trained staff member for a drive. They set up the driving to be as close to the experience the senior would have when driving around his or her neighborhood or town. If the person is from a small town, they would be taken to a quiet neighborhood. If they drive in traffic, they would be asked to take the trainer into traffic. Check with your local hospital to see if they have such a program.

The bottom line is safety – for the senior and for others on the road. If you are having trouble convincing a senior to give up the keys, try some of these resources. Oh – and good luck.








For over twenty years author, columnist and speaker Carol Bradley Bursack cared for a neighbor and six elderly family members. Because of this experience, Carol created a portable support group – the book “Minding Our Elders: Caregivers Share Their Personal Stories. Her sites, mindingourelders.com mindingourelders.com and mindingoureldersblogs.com mindingoureldersblogs.com, include helpful links and agencies. Carol’s column, “Minding Our Elders,” runs weekly, she speaks at many caregiver workshops and conferences and has been interviewed by national radio, newspapers and magazines. She also blogs on Minding Our Elders.

Senior Transition and Homecare Services Put Family Members At Ease

Orientation

When a loved one moves to a new facility or community, consider having a professional elderly care service provider meet them upon arrival. This person can introduce them to the other residents and staff and help them find their new room or apartment. They can assist with unpacking suitcases and belongings and get them organized in a comfortable layout. This is the ideal opportunity for seniors to learn the lay of the land and how certain appliances or gadgets work that are unfamiliar. This professional can also help to identify the areas of interest of a loved one and find related activities for them to do. There may be others in the community who share these interests, as well, that can be introduced or mentioned.

Homecare Services

For those entering a senior community for independent living, there are also elderly caregivers with home health agencies that can routinely check in on a loved one to assist with meal planning and buying groceries, feeding pets, light housekeeping and paying bills. Transportation to appointments and social activities may also be provided by a senior care companion. Playing games and keeping seniors mentally sharp and engaged in conversations is an important part of making sure they do not become stressed or depressed. This includes playing cards or helping them with favorite hobbies. They can also assist with letter writing and help seniors to stay in communication with friends and family. Other tasks provided by senior care professionals include transportation to doctor's appointments and assistance in staying on track with meals and medications. Making these arrangements can help put family members at ease, especially when they live far away.








Author is a freelance writer. For more information on interimhealthcare.com Home Health Care please visit interimhealthcare.com interimhealthcare.com/

Sunday, May 11, 2014

Strengthening the Public Mental Health Addictions Safety Net

Much needs to be done to ensure that national healthcare reform and parity live up to their promise for persons with mental illness and addiction disorders, Congressmen and advocates pointed out during a recent policy briefing on mental health.

There is an unfortunate dual crisis of increased demand and service reduction. Coverage expansion under healthcare reform will result in 1.5 million new patients entering the public safety net for mental health and addictions treatment, which already struggles to care for 8 million+ children and adults. Approximately 2.5 million people with serious mental disorders, individuals with major addiction disorders and homeless persons will remain uninsured, relying on services delivered by the safety net. The economic recession has resulted in over $2 billion in cuts to public mental health services -with more cuts on the horizon - leading to the elimination of services for the uninsured.

Another public health emergency was highlighted during the policy briefing: Persons with schizophrenia, bipolar disorder and major depression die, on average, at the age of 53 -the highest death rate among any population served by any agency of the United States Public Health Service. Co-occurring chronic illnesses -asthma, diabetes, cancer, heart disease and cardio-pulmonary conditions -and lack of access to primary care and specialty medicine is a critical factor in these tragic outcomes.

The time has come for parity between community behavioral health and other parts of America's safety net including public hospitals and Community Health Centers. All of us (including Congress and regulators) must pay attention to three issues critical to the success of parity and healthcare reform:


Passage of HR 5636, the Community Mental Health and Addiction Safety Net Equity Act, that offers a new definition for Federally Qualified Behavioral Health Centers and identifies core services, creates nationwide cost based reimbursement, and establishes clearly-defined national accountability and reporting requirements.
Regulations to ensure that the healthcare reform's new Medicaid Health Home State Option requires mandatory subcontracts with behavioral health; and that behavioral health organizations serve as medical homes for people with serious mental illnesses and addictions to advance this population's overall health and improve life expectancy.
Passage of the HR 5040, the Health Information Technology Extension for Behavioral Health Services Act, to support the use of technology to create treatment transparency, eliminate errors and better coordinate care to improve the health outcomes of persons with serious mental illness.
Rep. Paul Tonko (D-NY), said there were four keys to a successful implementation of mentalhealthcarereform.org healthcare reform for people with mental and addiction disorders -a vigorous outreach and enrollment program by the Centers for Medicare and Medicaid Services; regulations that ensure parity in Medicaid state exchanges and parity in Medicare managed care plans, inclusion of intensive community based services and residential addiction services in the mandatory minimum benefits package offered through the new state exchanges, and inclusion of community mental health centers in every medical home funded via the law's Health Home State Option.
Rep. Tim Murphy (R-PA), pressed for passage of legislation that would extend federal health information technology incentives to behavioral health services. The legislation, introduced by Rep. Patrick Kennedy (D-RI), would make behavioral and mental health providers eligible for federal grants to acquire electronic health records that are interoperable, integrated, intelligent and easy to use. But bills improving access to mental health services "only matter if we make sure we integrate care together," Murphy said. "Mental health services are not stand-alone and that is something we need to continue to educate the community around."








Linda Rosenberg is the president and CEO of the National Council for Community Behavioral Healthcare. TNC specializes in lobbying for mental and behavioral healthcare reform. Lean more at thenationalcouncil.org thenationalcouncil.org.

Find Your Russian Wife By Yourself - Briefly About Ways

Chapter one

Some stuff from the history of the question

Let’s say from the beginning that under the title “Russian Woman” we will keep in mind all the ladies, natives from CIS countries, former territory of the Soviet Union with the population in hundreds millions people equal approximately to the modern population of the Unite States of America. So, when the big country in the other hemisphere collapsed in 1991 and was transformed into small independent national republics, hundred millions people, grown in the similar social formation, were left with one and the only inheritance – Russian language as a dowry, which used to unite them all, and as a sequence – the similar Russian consciousness. And undoubtedly, minimum half of them were the women, with the different destinies, different life experiences and carriers but with one similarity – national and demographical tragedy, which in the changing epoch like with the scythe mowed strong before men. The biologists proved that the evolution is built the way that the women accept the lessons given by the stresses, preparing their inside genetic to mutations. And the men who are not able to overcome the stresses or even in resistance to stress are dying. Survivors will become only those who are able to be adoptive to the evolutionary transformation. Only they will plow the new seeds for the next generations.

So, minimum hundred million of educated women of reproductive age was left in the demographic lane. Of course, some of them were lucky – they had the beloved one’s, husbands or just boyfriends. But there are appeared the huge groups of those who had lack of men, because all – the best and the worst of them were already occupied. Of course, those women, left without personal life can stay in the long turn of waiting, sacrificing their women’s destiny to the good luck chance. But better for them were not to wait the wonders, but to make the miracles with their own hands. So the glances of former compatriots, Russian women with the expectations turned towards the western, including American, men. Among those women were the natives from Ukraine and Byelorussia, the proud ladies from the Caucasus and Central Asia, the pale blonds from Baltic countries and the natives from the depth of Siberia. Although it may seem strange but the two different continents were pushed to each other and mutual communication with the economic crises and instability in the CIS counties. And the developing of the Global System of Internet was quiet a bonus to this entire plot. If, for example, this demographic crises would happen hundred of years ago, it is possible that the sequences of the wearisome wait of the financers from overseas will be doomed to failure. Because there were only the big ships which cruised between the continents and the high-speed planes were not invented yet. But in the modern days when all the cherished desires may one day come true, there was destined to be establish the bridge of integration and cultural penetration of nations and nationalities through the foreign marriages. Or the inventive God once again decided to mix us from the times of Babylon tower, with so different experiences, languages and genetic databases? Or may be the powerful Universe once again make experiments with us, mixing it genetic cocktail?

So, all the huge and strong like the ocean wave, human masses, pushed out from their regular nests of habitat by demographic and economic crisis’s, supposed to be targeted near the shores of the new continents and this happened. Statistics of the past 10 years showed 75 thousands foreign brides only from Russia. And, it’s four Russian speakers per day, settling only in USA, not covering the other countries. Impressive picture, isn’t it so? For example you are woman immigrant who are already here, trying to learn the grammar rules of the new language, to get used to the culture of the new country and the same time as if to support you there are coming dozens the others like you, with the same transformations in the private and social life, which they are going to be faced here. They come not alone - with one child or several. Potentially they come with relatives, parents (although it is only in one from ten cases). But what I want to say that the population of such great country as America will increase due to so called “Russian natives” from CIS, coming here day after day for already more then 10 years. And this process will continue…

I cannot say what is the randomness of statistic, but according to our famous Russian Internet forums in America (for example like [well.com.ru]) and taking in consideration the migration processes from the Eastern European countries, we can suppose that during the last decade half a million people left from their home lands in all directions. Of course, no all of them landed on the American shores. But the fact is that in USA subsided three and a half million of coming and going Russians!

Chapter two

To show and to be seen!

It’s proven already by the public opinion that the Slovenian women are smart, attractive and tolerant. Their beauty they got from the natural mixture of nationalities, which from old times took place on their territories. And in the century of democratic changes when the private property was forbidden like in the times of socialism, so no property issues determined human’s life’s, people fell in love, married and went to build the big industrial cities of the past days with their beloved one’s. The children born from such marriages, as it known often occur to be beautiful and strong, so we can say that at least something positive the social formation did for the people deprived from the private property. Those who have nothing to loose at least have the right for sex choice with the assurance that the state will take care about yours child future – give the free room in the hostel and free kinder garden. This way the increasing of growth of population was stimulated. The social formation make people sure that all the children will grow together and become like brothers. This nicest slogan of the socialism are still in memories of all those who sit on the same school benches and was taught with the similar school programs with obligatory ten years secondary education.

Why Slovenian ladies are are smart? First of all because their parents were married run by the real love feeling not by common sense based on property issues. Second, because the education even in colleges and Universities in Soviet Russia those days were free of charge. It means that if you want to study, have the patience, and habits, skilful enough and wishes and desires to be educated - just do it with no pay needed! There appeared the new class old days estate Russian society – the Soviet intelligence. Brought up on the best traditions of the world culture and on the samples if classic literature and heroic deeds of the ancestors, those people were not only alive screws of the system, they created the unique contest of the social consciousness, which was reflected in the movies, which biggest fans we all were in our childhood and even now. If you want to pull the rope connecting the hundred thousands of our people into the generation, in order to understand what the cultural contest is used to be, just name please for example comedy of Gaidie “The adventures of Shurik or the operation “I””. In order to understand the humor of one nation you need to be born and grown in this surrounding. Or to spend actively in the new one not less the ten years! My colleague from Moscow University who lived in the United States now for more then 12 years, actively works and studies here, once in private conversation told that only after 10 years in the new country she start to grasp all the jokes of the American nation and laugh on them too. And we discuss the epochs and their influences...

Regarding the question of why our Slovenian women are the most tolerant or patient, I’ll tell that they poor girls overcame so many things in the short period during only one century like wars, crises and revolutions that the life willy-nilly made them tolerant. As in the proverb: “For one beaten they give two unbeaten one’s”.

Chapter 3

Let’s make aquientenance in the United States!

So, women came to boundless, spread on the three time zones country which is although tighter then the one they once used to belong, which was prolonged for 7 time zones to start new biography as a fiancée, wife’s, daughter’s of the religious immigrants, or the refugees who were given their political asylum, or just those who came here on the worker’s visas. They are numerous. The life will filtrate all of them in the one melting pot. But while the years are passing by who knows where they will plug their roots… And even if from the three millions living here in the US Russian speakers what we may called “available” for the local secondary market of the Russian fiancée will be even 10 percents – it will be already huge army in 300 000 people, willing to find their new women’s destiny (if not found already). Or even if we would take into consideration that their availability amount is much smaller, for example like 1 percent, it will be nevertheless 30 000 Russian women, the potential Russian brides and wife’s! And of course to whom as if not for the naturally born on this land Americans will they give their best chances and preferences to select and be selected!

Chapter 4

Where to find them?

The target for those who decided through the different motives to join their destinies with the ethnic Russian woman is not simply could be aimed. To reply on this question they should have known the friends from the same original language sphere as their potential brides. Because you cannot slow down every attractive face for aquientenance with the same question: “Tell me please, do you have Russian roots?” In order to get positive reply on this question one need to be lucky, like the majority of the readers of this story, specially born to find the happiness with the legal immigrant from CIS.

So, let’s give several directions leading to satisfy the preliminary reader’s attention. And further on it will be like in the child’s song: “One brick, then two bricks will be the ladder.” So, installing the compass in what direction to move the insistent reader and sticking to the Russian idea American sooner or later will enter this market of brides. Of course, there does exist also the primary market of Russian brides. It means one may go to the historic motherland of the Russian women, where you will have no need to ask every lady you will fond of, what is her language and roots, because the reply would be cleared even without this in advance. And we will describe it later on. And for now – let’s make an exact scheme.

Let’s imagine that you, readers are elderly man, who will soon get retired or is already retired and your private life with the strongly independent American ladies due to some reason did not settled. You already somewhere heard or probably has seen in your friend’s sample that Slovenian wife is good- spirited nice housekeeper, economic and not demanded woman and charming personality a plus. And you want to bite the fruit from this tree of knowledge. How and where you can find one? To fly overseas – it’s too expensive and your health probably will not allow. Beside those horrors that the press describes about the third world do not encourage you? And how to make the things easier, and as they joke in far places “not to fly to Odessa through Vladivostok”? Actually the distance between these two cities in the other hemisphere is equal from continental US to Hawaii.

Waiting for reply – here I am with it like the mistress with the hot pancakes. First of all inquire the Russian wife of your friends or neighbors if you have such, she will with pleasure tell you if she had alone nice girl friend or attractive woman relative with good character on her motherland, willing to be married. And - oh, wonder – the miracles happen! You will have no need to move far. The fact the Slovenian kindness drives them to make happiness of her ex-colleagues (so, such ladies for sure will be educated), old friends or even far relative. Even if such women from the beginning will say you that they could not remember those who want to be engaged, they may call you week after, amazing you that they actually remember one or two girls. Then do not hide your joy and write down the address, telephone, e-mail, or any other contact information with the help of which you may contact with such potential fiancée. Internet in CIS (former Russian) countries is functioned from long ago but with the regular access to Internet and personal computer can boast only few selected one’s, according to statistic one from thousand. So, get ready to establish telephone connection and buy in advance cheap telephone cards in Wall Mart, where one minute talk with CIS counties will be not more the 15 cents, and in big cities it will couple of cents- cheaper then long distant calls inside the US.

So, about the legend of how to be introduced through personal aquientenance we already have been heard. Let’s dig deeper and wider into the roots of this issue. Comparatively peaceful, painful and practically gratis way of getting aquientenance with Ukrainian, Moldavian and other Russian-Slovenian women - is Internet. But not the dating agencies which will sock out dozen of dollars for the face you like to contact, but so called Russian immigration sites and forums in America, where often the information in two languages is given. The brightest example is russianwomenabroad.com russianwomenabroad.com and russianwomenmagazine.com russianwomenmagazine.com. Through this Russian Women Internet Periodicals in USA there is direct way to the secondary market of Russian brides, and you, completing you portfolio can put your ad and picture over there with no payment. The same scheme with hard copied newspapers or magazines with the small difference that you need to make small payment. For example “Was waiting for you all my life”… If you are very lucky by nature you will get your aim already in the first case- inquiring Russian wife’s of your friends about their friends left in CIS and ready for marriages. If you just lucky guy you can fish you purpose from the Internet forums and free dating option over there. And if the life did not reward you, even born in such blessed place like US neither with first not with second qualities, let’s go further on and try to catch the bird of success by its colored pheasant plumage.

Chapter five

Going to Russia

According to the American legislation, in order the fiancée from abroad could obtain visa to States, to the US embassies overseas should be presented photos of the personal meetings with the future couple as a proof. And so-called “Chinese” variants like the “fiancée through correspondence” will not work out here.

…Thus after you honestly keep the membership of the dozens of marriage clubs, specializing of the searches of Russian Brides, spent a lot of time through electronic correspondence, bunch of money for the telephone communications and small presents to the potential selected few, there are started your starry hour, when you ignoring your old ulcer and the warnings of the doctor are packing the beg to go to the unknown, mysterious and frightening world with the name CIS, for the stable and comparatively cheap stuff like Russian Bride! I’ll tell you first of all - leave you fears at home – the bear’s slandered last time on the Moscow Red Square in the eighteenth century and besides on the chain, when the moving circus visited the place. Modern Western Europe is civilized and the only gap in this flourishing in between stylish buildings is the lack of regular hot water in the hotels. But in this case you may work out new rule – to wash the face with the cool water or just to rent instead of hotels the fashionable apartments in the private sector, where there are used boilers for heating water. And the only incident of the immediate disappearance of the hot water could be the disconnect of electricity. But the same thing from time to time happen even in our American house, when during the storms the trees fall, breaking the wires. And as everywhere the special services should be called to settle the problems. May be in America this works only a little bit faster. On the other hand in Russia (including CIS counties) the real stimulus for these services to make their job quickly may become the financial stimulus (from twenty dollars and up, depending on the complications of arousing problems). In general so called “stress tourism” is very useful for the organism and increase the immunization factors.

So, you are with the beg filled with presents and the fours or better five digits balance on your credit card are staying in front of the door where your potential fiancée lives. Let’s hope that after so many efforts and expenses you finally will get your good luck bird, just exact what you used to dream about in your house in the depths on the neglected American territories. If not, you will probably come again into the Russia, Ukraine, and Byelorussia, Moldova or CIS Baltic countries. Some of the men with the help of agencies arrange so called “marriage tours”, other resolve this issues different way, spending for these purposes from several thousands and up, depending on your financial possibilities and the requirements of your soul lady. Let’s imagine finally the lady you were looking for is found and ready to chare your life plans. What to do further on?...

Chapter 6

Documents and headaches are closely connected…

After the 11-th of September the background check of your future sweetheart by security as well as others who are entering the United States may take months. How to jump into despair waiting for you future wife, and keep you feelings fresh? There are several variants. First of all is to follow all the instructions on the US embassies sites concerning preparing documents for entrance (their web-addresses easy can be found through search engine on google.com google.com). They can be as follow: notarized papers that each of you is not married for the current moment, the divorce papers from the previous marriage if you had such. To the fiancée taking the bride to his country for permanent living the proof of financial competence. Sometimes the references from psychiatrist that the man is in healthy mind and responsible for the decision-making and steps he is taking now (smile, please). The woman should hurry up and translate into English and legalize the references from police department in her home country that she have no criminal record – of course what country want to have such people? And that all her children from the previous marriages are released by their biological father from the home country and is blessed for the new life abroad…

If both can’t wait to get married and the immigration paper procedure is still hanging, couple can get married in the home country of the fiancée (one of this exotic marriages in CIS), preparing to this several other documents like references about health conditions and the absence of Aids. And then lady can restart to put papers in order like the legal wife and enter US in this status. It means that in the port of entrance she will be taken fingerprints and get employment authorization stamp. And all the legal papers like residence card will come in one month by regular mail. And you will economy time for the visit in INS offices.

If your lady will come on fiancée visa you could marry according to the local rules and tradition in the United States in the local Court House or in Church in 30 days and fill all the documents for changing her status by yourself, using the new, very well done Immigrations site on [bcis.gov] which will allow even to the novices in the legal fields to find the ends and to straighten out in the narrow corridors of paper procedures.

Chapter seven

How to replant the Russian wife to the new life?

Of course, we choose in CIS not the worst women, visa versa we choose the best of them! We put an eye on the educated doctors, teachers or artists, scientists. And probably expecting them to have the same achievements in their carrier fields over here. But usually it does not go this way. Let’s take ideal situation when your fiancée or wife has no language barrier. And in the case if she has one? Language courses in the Adult Education Centers probably will not satisfy her intellectually, but the course of English as the second language in college may not fit you pocket expenses. Besides you will be faced the necessity to drive her over there regularly, because in her home country even if she use the car only in the quality of a passenger - public transportation is strongly developed in Eastern Europe. What to do? How to improve the language? How to overcome the shyness to speak in new language? Different families resolve this question differently. Some people if their language knowledge is good enough instead of intimacy with the partner will spend all the spare evenings with the books, explaining to the wife all the narrow places and all the nuances of language. Some, vise versa, have their own limited vocabulary of the words and phrases they use in the everyday life and cannot be helpful with this. My advice - take the wife to the library to pick up the audiotapes, because if the books give the vocabulary and sentence construction supplies, only the alive literary speech of audiotape novels with historic or modern everyday plots will activate her own speaking center and desire to express perfectly herself in the new language sphere. Pick up the novels of such popular authors, for example like Danielle Steel. And let her listen – at home in earphones, in the car while driving…

Ah, we forgot to talk about one of the most important besides language keys of adaptation to the American life – driving the automobile. Only, please, do not make fun from your forty years old spouse that she lives so many years without knowing how to drive! You personally did not drive from you child’s cradle! You were also needed many months of driving experience in order to make with no fear 70 miles per hour on the highway. Try to understand the fact, that when you were first taking driving lessons you were fifteen. And for the ladies after thirty-five it’s much more complicated to overcome the fear to make right parallel parking for example. So, it will be much better if your wife will come to the States already taught how to drive. Do not economy 100-200 bucks for this. While learning the main rules in her native language, the other practical skills she could take under your guidance, so after some time you can be proud of yourself as a teacher. So, the auto-courses and the English for the beginners should be taken primary in her home country (the prices varies from 200 to 500 dollars). It is the dowry, which your future wife can bring to you together with her education, common smartness, good housekeeping skills, kind heart, and flexible body. So, do not restrain finance on the first two one’s and the last one’s you will get as a bonus!

Chapter eight

What you’ll seed, the same you’ll harvest…

There exist one banal proverb invented by coming to US immigrants. “What is the guarantee period of the Russian wife?” Those who made up such guess, spiteful reply: “Till the first day of naturalization”. Relax; it’s only a joke! First of all because the citizenship your wife will not get shortly (it takes minimum from 3 to 5 years from her arrival, but in reality it takes much longer). Second, because if you are nice guy – no wife will leave you. And really, for what reason she should change you, if you are perfect? The Slovenian mentality reflects this in the proverb “Do not look for better when you have something real good”.

But if you are not so perfect, and sometimes mean, angry and greedy guy with the attempts to control everything, be ready for the conflicts in family from the beginning. And, please, do not try to scare poor girl that if she will act not like you wish, she will not get her green card. American law is the most humanistic law in the world and already took care so the humiliating slavery in human relationships will be eliminated once and forever. So if you guys are flying overseas with the idea to find there low to upkeep home slave bio machine with the sexy appearance, submissive and wordless, just stop now, fellow! Slovenian women are proud and although can be very patient for long, when the right time come may become very revengeful and proceed the green card without your help based on the fact of two years marriage. And on the spouse’s threatens and the attempts to forbid the contacts with the compatriots, to control the e-mail correspondence or eavesdropping the telephone talks, can sue you like for psychological abuse. And can leave you for shelter, where she can be taken care of, and will be legalized on her own in this country and you will be face the fact to pay plus for her the support money. This is the fact, because when you fill the papers to take your fiancéeйe inside the country, you automatically guarantee her financial security not from public - from your pocket. So, be kind for this commodity and you’ll be rewarded with the kind and good housekeeper, lovely wife next to you. If you’ll try to be cheap, to practice family tyranny, you will not then even find out from where did your sweaty have such ugly “teeth of dragon”. I will explain the term. People, grown in the communal kitchens can defend themselves easily. Or as the old book says: “Those who plant the despair will get no faith. Who carry the joy will get the hope”.

Chapter nine

Or continuation of the adaptation

So, the time has come to look through couple of useful links. Educational Degree of your spouse can be evaluated by visiting the sites on ece.org ece.org or wes.org wes.org. Usually, the regular college in Eastern Europe with the five years program will be equal for Bachelors. Those, who had studied in European type of graduate school, will probably get local Masters. Not all American institutions are big fans of the international degrees even from the top colleges in CIS. Majority of good positions you may apply for only having the local type of degree. And if your wife is eager to study and you are ready to invest into her education to get in year or two local degrees, based on her credits evaluations from the previous school, do this. Nobody ever regret time and money invested into the graduate studies, because this piece of paper will feed your family all the rest of your life. Wherever you will live in future.

But to regret, majority will never learn in all the subtle differences the local language, and never will conquer the professional cliffs they used to climb in their old life. And for that they need to get ready in advance. Many women change their occupation. The school directors in the past become the substitute teachers; qualified doctors go to the medical nursery. Who likes what, tastes are different. A lot of women closer to their fifties with the poor language simply go for the part-time cashier’s positions, or become waitresses in the restaurants, or the hotel cleaners. Although this work is not simple besides not creative and very bad paid… To stand for 5-7 hours and keep attention is not the easiest job to do, so nobody gets the easy bread.

Those are luckier who used to deals with arts in their motherlands and can draw or play musical instruments. Americans, especially young, are very sensitive to the arts, that’s why they can probably have the clients for the private lessons – with the payment from 20 to 40 dollars per hour, depending on qualification and the State you are living in…

Chapter ten

Or the cultural adaptation

it’s not a secret, that Russian women are very communicative. Before coming here most of them lived or studied in the big cities. So, let your new wife to make friends and over here, help her to find access to the cultural places like museums, exhibitions, theaters and art galleries. Do not prevent her to explore this new for her world and the adaptation, which usually takes from half year to year and a half, will pass smoothly…

Russian tales usually finished with the thesis, “And they live together in a peace and a harmony many years!” Slovenians know how to love, to be faithful and thankful for the man who proposed for her the place near his oven. Hope you‘ll settle your life. And peace for your house on many years!








Vita Steel is the author of the popular ebook THE RUSSIAN DATING BIBLE, wholesale encyclopedia of online international dating services. This book is available at [russiandatingbible.com]