Saturday, April 12, 2014

Customer Service - Doing The Right Things Right

It's a beautiful Saturday morning and we just finished having coffee from Barnie's here in Winter Springs with a new client (and we believe a new friend). Our new client Ron is in town from Denver, Colorado and could only meet us this morning so we had no problem opening up. As we were driving in to the office we stopped for a cup of coffee. Lori called and asked Ron if we could pick him up a cup of coffee too? Ron told us what he drank so we picked it up and met him at our office. This isn't customer service, it's the "Golden Rule" (do unto others...) and the way that we were raised; common courtesy if you will. I'll finish this thought later in the story though.

When it comes to business these days buyers are so much more careful with ever dollar that they spend. The economy has pushed society to spend extra time to find additional savings. Between the insurance industry and the law the most that we are allowed to do for our clients is to offer them the lowest premium and the highest rated company. There is however something that can be offered for "free" but isn't always considered which is "customer service"! You can't put a monetary value on it but there is "value-added" when considering what insurance company to have take care of you.

I have to give credit to the big companies with their amazing advertising budgets and great commercials. They can offer great prices and multi-line discounts. When we speak to potential clients, this comes up in conversation quite a bit. Our answer is that we have to do a little more work to shop around to different brokers to get the best price but we do, it's just part of what we do and who we are.

Here is where we get to have a little fun though. We ask our potential new clients about the other companies "customer service standards". We ask them if they have someone specific that they can call and speak with directly or are they going to get a call center in another state? We ask them if the other company that they are considering even has a local office? When you spend as much money as you do buying insurance to insure your loved ones, your home, your car or your business wouldn't you like to be able to look someone in the eye, shake their hand and know that your family, your property and your business are all insured by someone that you've met and are comfortable with.

OK, so we have a beautiful and professional office and an "800 number" to take care of our clients all over the state. We have what most other independent insurance agencies have in the way of staffing and hours of operation and we stay later at night and open on the weekend for our clients when they need us to. We have even driven three hours one way at four thirty in the morning to meet a client for business.educationeasy.net business insurance because that is what he needed at the time. This isn't rocket science; anyone could do this so why do we feel that we are any different?

I guess it's more of a mind-set or a philosophy that Lori has instilled here at Birchell Insurance Agency and it's this simple. With the economy being so tight and people shopping for deals it comes down to doing not the right thing BUT "doing the right thing right". I know that might be a little confusing but please let me explain. The last time you sat with an agent did they explain the difference between "cash value" and "replacement cost"? Did they insure you for the mortgage value of your home (which includes the land that your property is located on) or the replacement cost of your home? It's this simple, we believe that if we can go to bed at night knowing that if something should happen to your property that we've insured we know that we can "bring you back to whole". We have unfortunately have had to "fire some clients" because what they wanted was going to save them money but wasn't in their best interest; if there was a "loss" and they had to file a claim, they were not fully insured. We don't want to be the ones to have to tell a client that we could only replace seventy or eighty percent of their property because they were under-insured.

Getting back to our friend Ron. Ron came in this morning, introductions were made and we got down to business. While drinking his coffee, Ron told us a story about an agent in Denver. Ron met with him one morning in a coffee shop to discuss quotes on several properties. The agent showed up to earn Ron's business as they sat and talked. Not only didn't the agent offer Ron a cup of coffee but when he got up to get a refill he didn't even consider Ron then either. Needless to say Ron eventually ended the meeting and never did business with that agent. Customer service IS "value added", it's not just being considerate, polite, friendly and courteous; we feel it's in the attention to detail of listening to our clients and getting them what they truly need.

As I mentioned earlier this isn't rocket science so let me ask you this? When considering an insurance agency if you were to have a catastrophic claim and needed to contact your agent at anytime (including nights, weekends or holidays) could you? As we close business with our clients one thing that we give them is our personal cell phone number. If something is going to go wrong, it will at the worst possible time. Don't you want an agent who's always truly there for you? At Birchell Insurance Agency we are; it's just the way that we do business.

Tips On How To Start A Career In International Travel Nursing

If you are a nurse who enjoys traveling, you may want to consider a travel nursing position. Many travel nurse placement agencies offer positions that range anywhere from four to thirteen weeks depending on the case. This type of position offers the opportunity to expand your horizons while obtaining more experience in your chosen field.

In terms of compensation, the traveling nurses tends to make anywhere between 10-15% more than the staff nurse with incentives and bonuses added to the package. For many nurses, being a travel nurse opens the opportunity to see parts of the country they would not ordinarily see in the course of normal employment. If you aren't able to travel because of children or financial obligations, you can still experience the thrill of being a travel nurse by accepting assignments closer to home. Of course, when you are able to do so, you can ask for assignments in other cities or states. That is one of the benefits of being a travel nurse with a placement agency: it leaves you in control of which assignments you accept. Unlike a staff position, you are not required to report to work every day as per a set schedule unless you are on an assignment. When you are in between assignments, the choice is yours to accept or decline, and often times with a travel nurse, bonuses are paid to those who complete assignments.

Are the assignments always in hospitals or nursing homes? That depends on the assignment, but the potential is also there for private duty. Some nurses prefer private duty cases, and in many cases, the pay is higher than it is in a facility-based assignment. Let the placement agency know if you prefer a particular kind of environment because they will try to accommodate you whenever possible. The key role is to meet the needs of both the patient or facility and the nurse. The more comfortable the nurse is with the position to which she has been assigned, the easier it will be for her to perform her job.

Travel nursing opens up many opportunities in the field, and for the nurse who is good at what she does, and not adverse to relocation, opportunities in other states as a staff nurse may be a thought to consider. This is a good way to feel the waters and see if you like different scenery before making the permanent decision to move to an unfamiliar place. This type of position is not for everyone, but if you like to travel and try different things, this is the kind of position you will love. Not only will you see other parts of the country, you will experience a completely different world of individuality in the new people you will meet.








Sandy Sizemore writes on many consumer related topics including health care. You can find healthcareconsumerguide.com/nursing.html travel nursing companies and info on healthcareconsumerguide.com/index.html international travel nursing and more by visiting our health care website.

Eldercare - Caregiving, Nursing Home, Medicaid, Living Wills Information and More

Elderly care is an event that most children do not wish to think about. No one wants to think about his or her parent growing old. We look to our parents for guidance and support, but there comes a time when the parenting roles reverse.

It is important to discuss future events with your loved ones and develop a long-term plan for their care for when they become unable to care for themselves. Developing an Eldercare checklist is a proactive way to ensure your loved ones whether parents or grandparents receive the level of care they need and services they want, or, in the case of artificial nutrition, they may not want.

There are several key points and strategies you will want to include on your Eldercare checklist:

1. What level of eldercare is needed, and where will this care be given?

2. How will you pay for the eldercare? The medical costs of eldercare.

3. What will be done with your parents' or grandparents' assets while they are receiving eldercare?

4. Are all legal documents including the Will and Living Will current? Have your parents' or grandparents' Wills and Living Wills been reviewed recently by an Attorney? What is an Advanced Financial Directive? What is an Advanced Medical Directive in eldercare estate planning?

5. Have your parents or grandparents designated a Durable Power of Attorney?

Making sure you have answers to these questions for your parents or grandparents eldercare early on will avoid confusion and distress later. Don't wait until there is a tragedy to make plans that will affect how your loved one spends the rest of their life. For the purposes of this article we will assume "loved one" to mean a parent or grandparent.

Where will eldercare be given, and by whom?

1. CAREGIVING AND ELDERCARE

INFORMAL CAREGIVER

There are two types of caregivers: informal and formal. An informal caregiver might be a spouse or child, and these caregivers do not receive direct payment for their services. Usually payment is made through services exchanged such as food or housing at no charge while caring for your parent.

FORMAL CAREGIVER

A formal caregiver is usually employed by an agency to provide quality care in the comfort of your home. If the formal caregiver is not associated with an agency, it is important to conduct a thorough check of references to ensure you are hiring a quality professional.

It is important to inform all formal caregivers of the responsibilities associated with your parent's needs. If your parent needs assistance in and out of a wheelchair, a hired caregiver should be able to perform this task without harm to your parent or to him/herself. To avoid injury to all persons involved, informal and formal caregivers should receive training on proper techniques for lifting and moving, proper use of bedpans, and how to maintain good hygiene for a parent confined to bed.

LOCATION OF ELDERCARE FOR YOUR PARENTS

There are many options for the location of care provided. Most people would agree that living our their remaining years in the comfort of home is more appealing than living in a state facility. If your parent wishes to receive care in their home you can make home modifications, such as a wheelchair ramp or seat in the shower, to accommodate their changing needs. You can also hire a formal caregiver to come and assist your parent with daily activities such as bathing, eating, taking medications, or regular exercise.

CONSIDERATIONS OF ASSISTED LIVING HOUSES OR NURSING HOMES

If it is not possible for your parent to remain at home, you can choose to place them in assisted living houses or a nursing home. Before placing your loved one in a facility, you should thoroughly check both the location and the staff. Make yourself familiar with required paperwork ahead of time to prevent delays when it comes time to move in, and, if possible, make several unannounced visits to oversee daily activities.

You should check if the facility is regulated by the state, and request to see any licenses they have for providing eldercare. Find out how the staff is trained and if they are required to have certification to work there. You should consider the cost of the facility and the living accommodations your parent will be provided.

Additional considerations when choosing a facility might be types of activities offered to residents and the quality and type of food provided. While no place will be perfect, you should choose a facility that makes your parent feel as comfortable as possible away from home.

2. MEDICAL COSTS OF ELDERCARE AND MEDICAID

Not many insurance companies are willing to pay for long-term care. It is important to check the details of your parent's policy and read the fine print for restrictions. For example, Medicare will not pay for long-term care but it will pay a very short-term benefit. However, Medicaid will pay for long-term care but only if your parent receives care in a Medicaid facility.

If you plan far enough ahead, you can begin setting aside money so you can afford to provide long-term care to your parent at home. You should consult a financial advisor or estate planner to go over your parent's bank statements and assets to determine how long their current funds will be able to provide medical care, and based on this assessment you can establish a savings plan to make up the difference needed for long-term eldercare. When figuring in additional savings you need, keep in mind that you will also need to continue paying any current bills your parent might have.

3. WHAT TO DO WITH YOUR PARENTS' ASSETS DURING ELDERCARE

Before you rush off and put your parent's house on the market, make sure you have discussed where they want to receive their long-term care. It would be quite devastating for your parent to come home from a hospital stay to discover you had sold the house and moved their belongings into a nursing home.

You should also ask your estate planner or financial advisor which of your parent's accounts you should withdraw money from to help offset costs. Some accounts, such as annuities, carry penalties for early withdrawal and may require you to pay taxes on income earned through these accounts. Also, once you begin withdrawing money from an annuity you cannot stop payments.

LEGAL ISSUES OF ELDERCARE

Hopefully, your parent has written a will and made you aware of its location. A Will should be reassessed by an Attorney every few years to make sure all the people listed as beneficiaries are still alive, and that your parent still wants them to receive a portion of their estate.

Moreover, your parents should have an irrevocable trust as part of their estate planning eldercare needs which will avoid the high expenses of probate, reduce estate taxes and possibly eliminate some earned income and your parents will gain the benefits of asset protection. Speak with a qualified and good estate planner such as Estate Street Partners who can guide you through this complex process.

4. IMPORTANCE OF LIVING WILL, ADVANCED FINANCIAL DIRECTIVE AND MEDICAL DIRECTIVE IN ELDERCARE ESTATE PLANNING

You should also council your parents on drafting a Living Will in the event they are unable to speak for themselves. Learn more about Living Wills and Advanced Financial Directives and Advanced Medical Directives by going to our website. The Advanced Financial Directives and Advanced Medical Directives are extremely important in eldercare estate planning when your parents cannot speak for themselves and will protect their financial and medical wishes.

5. DURABLE POWER OF ATTORNEY (DPOA) AND ELDERCARE ESTATE PLANNING

You should know ahead of time where these documents are before an emergency arises to ensure that your parent's wishes are followed. Having a DPOA allows someone your parents trust to act on their behalf and make legal and financial decisions for them, including the transfer of valuable assets, if they become incapacitated.








Author bio - Rocco Beatrice, CPA, MST, MBA
Award-winning estate planning & trust expert
MS - Taxation, Master of Science Taxation
MBA - Management / Taxation
BSBA - Management / Accounting
CPA - Certified Public Accountant
-----
ultratrust.com Asset Protection Irrevocable Trust, Estate Planning
ultratrust.com/medicaid-nursing-home-program.html Medicaid Nursing Home Program
71 Commercial Street #150, Boston, MA 02109
tel: +1.508.429.0011 fax: +1.508.429.3034

Success is in the Details - A Quick Guide to Starting a Small Business

Thinking about starting a business? Make planning for the success of your business a priority to avoid common mistakes small business owners historically make. What does planning for the success of your business mean? It means taking the time to research and plan every aspect of your business.

Who is your market? What type of business structure will best meet your needs, short- and long-term? Do you have enough start-up money or require funding? What equipment do you need to start your business? Are there any licenses or permits required to start your business? Are you prepared to perform all of the functions of your business or will you need to outsource services? The list of questions is endless.

Create a check list for the set up your business or use the one included here as a quick guide to plan your small business. Revise and expand it as needed. Develop a relationship with local, state and federal entities such as the State Comptroller's office and the Internal Revenue Service. It is your responsibility to know and follow all governing rules, regulations and tax laws pertaining to your business. These agencies can provide valuable information and resources to help your business succeed.

Seek local area professionals for guidance and services in areas such as taxes, bookkeeping, contracts, employment law, business development, marketing, and so on. Develop a core group of "go-to" advisors and resources to help you take care of the details of your small business and plan for success.

Easy to Use Checklist

Business Set-up


Identify your market

Identify and list your core products or services

Contact local, state and federal agencies for regulations, tax and permit requirements

Select a business location (address and contact information)

Name your business, select a business structure and file appropriate forms

Create a business.educationeasy.net business plan

Procure funding (if needed) for business start-up

Business Operations


Open a business bank account

Set up and furnish your business office

Set up bookkeeping or outsource

Set up processes and procedures

Create business forms and invoices

Establish vendor accounts for services, products and inventory

Establish a business schedule and hours of operation

Identify and list all functions required to run your business

Hire staff or outsource functions as needed

Business Marketing


Create a business identity

Develop a marketing plan

Create marketing materials such as business.educationeasy.net business cards, brochures, etc.

Market, advertise and promote your business








? 2007 Gabrielle Melisende. All rights reserved worldwide. Reprint rights: You may reprint this article as long as any links remain active, you do not edit the article in any way, give author credit and follow all of the publisher's terms of service.

Gabrielle Melisende, founder of destinationgraphix.com Destination Graphix, is an award-winning graphic designer and newsletter editor, marketing specialist and published author. She works with entrepreneurs and small business owners to develop their business identity, marketing strategies and business communications.

The Advantages of Owning a Home-Based Business

For many people who want to strike out on their own or just add another income source a home-based business is a great way to do it. A home-based business owner can get financial benefits, tax benefits, and better flexibility in their lives. Here are just some of the benefits that a business owner can get from having their business in the home.

Benefits

· Control earning potential

The home-based business owner has the ability to decide how much they will make without having to depend on promotions or raises.

· Write off part of mortgage & utilities on taxes

Your office space is a business expense, and if the office happens to be in your home that is fine. Check with an accountant or tax agencies to know for sure what can be deducted and how. 

· Write off health insurance on taxes

Normally an employer would write these expenses off, if you are your own employer, why not do the same?

· No commuting, no gas money

Save time and money. The perfect way to save the average American an hour a day and a bunch of cash that would normally go in your gas tank.

· Make lunch at home, no fast food expenses

Save your wallet from getting thinner, and your waistline from getting bigger.

· Set your own hours, flexibility to change them.

The boss usually sets hours; if you're the boss the hours can be different on certain days. Only want to work until 2 on Thursdays? No problem.

· Close to family, great when you have sick children home from school

Take care of children, run an errand in the middle of the day, or just be there when they get home. If work is at home, you're never too far from the action.

· Ability to be involved in every aspect of business

Don't get burned out in one line of work. As the owner of a home-based business you can be involved in everything from marketing to choosing the letterhead.

· Can run business full or part time and change over time

If you want to start part time and move to full time after a year or two, go for it. No one else determines how the company grows but you.

Anyone who tells you that anyone can get rich by sitting at home and not doing anything is lying. The company that I work for, Press-A-Print International, has been selling business opportunities for decades and every workshop they hold reminds people that they can make a good living running their own business, but they have to work. Running a home-based business is a great idea with many advantages, but do your homework. Attend one of our workshops and ask questions, decide how you would set it up and talk to people you know. There are a lot of benefits to be had from working at home for yourself.








Michael A. Cousin is a Communications Specialist at Press-A-Print International, a leader in the promotional printing industry that has been selling business opportunities in specialty printing for over 20 years. Press-A-Print is the industry leader, providing independent Owner/Operators with training, support, and equipment for them to operate a successful home-based business selling advertising specialties. Lifetime Customer Service and Business Coaching as well as a week long on-site training are included for each Owner/Operator of a Press-A-Print business. Founded in 1986 by Galen Nelson, Press-A-Print International has been owned by ICV Capital Partners since 2007.

Bad Credit Loans - Skip Past Worries For the New Finance

Bad credit loans are specifically designed to take into fold those people, who are refused loans from elsewhere because of their blemished history regarding making payments. Such people carry multiple risks for the lenders. Still, these loans are given because some of the lenders are willing to take the risks after carefully studying the borrower's circumstances and repayment capability.

Despite cases of late payments, payment defaults, arrears or CCJs in your name, these loans are accessible usually once you have convinced the lenders about safely returning the loan. Approval of the loan amount will come only after assessing your existing financial capability through the documents of earnings, employment and bank statements.

Before you apply for the loan, know that your past payment history will be studied by the lenders on taking out your credit report. Hence, make sure that the report that you get from the agencies, has no inaccuracies in it.

Bad credit loans are easier to find against your property like home, jewelry or a vehicle, pledged as collateral. Such a secured loan can give you anywhere from £5000 to £75000 for any use like home improvements, purchasing a car, wedding, holiday tour, debt-consolidation etc. The loan can be returned in 5 to 25 years. Because of collateral, interest rate is kept low. The unsecured loan is for both tenants and homeowners, without collateral. But, only smaller amount of £1000 to £25000 can be borrowed, with interest rate being higher. Its repayment can be made in six months to 10 years.

Take advantage of competitive market of bad credit loans. Apply for the rate quotes and compare as many such lenders as you can on internet. Taking out these loans through online mode can be less burdensome in terms of interest rate and additional fee charges.








Carmen Cortez is a specialist advisor of every type of business loan and currently working as financial consultant in Bad Credit Loans Information. For further details of badcreditloansinformation.com Bad Credit Loans, bad credit home loans, bad credit payday loans, loans for bad credit, bad credit unsecured loans visit badcreditloansinformation.com badcreditloansinformation.com/

Friday, April 11, 2014

Searching for Mr Right And the Perfect Relationship

For many contemporary women expectations that she should be married by the time she's in her mid-twenties would be scoffed at. Primarily because so many women are only just beginning to build their careers while others are doing what men did for years before them - they're playing the field and having fun

At somewhere around aged thirty-seven things begin to change if the woman is still single with not a hint of a decent man on the horizon. Strange things start to happen. For some a once distant ticking becomes a daily drum roll while others hear whispering voices getting a lot louder. Gone are the days of hearing the friendly, "when are you going to give us a day out" to "you'd better get a march on if you don't want to be left on your own." Fear begins to creep into her every pore followed by a fluttering panic and then a fever of sorts breaks out. Behaviour starts to change, sometimes it's focused, other times it's erratic, and then again, there are times when it's downright bizarre. Why? Because it's time to get serious and find the 'One.'

Some women who take up the mantra that 'it's now or never' will pull out all the stops to find a man so they can settle down quickly and start the process of becoming pregnant. You'll see her in bars and clubs scanning the room, smiling at everyone, and greeting each guy as she shimmies past. If by the end of the night, she hasn't been successful in finding a potential mate she'll strategically isolate an unsuspecting drunk guy who became separated from his friends. With luck, soon after they'll be meandering out together to find a taxi. "Maybe this time it will be right," she thinks fervently.

For the woman wanting a 'real' relationship, but with limited time and heavy work commitments she may try online dating. She pursues this new avenue with gusto and a military precision arranging multiple dates each week in her attempt to find 'Mr. Right.' After several weeks, she realises rather than meeting any potential Mr. Rights, she's meeting a whole lot of, 'Mr. I'm not really looking for a relationship just something casual.' Pretty soon she begins to feel like she's given countless interviews while conducting interviews of her own. Before long she's bone tired with the same old questions, 'so what do you work at...what do you do for your weekends...do you want to come back to mine after we leave here? Finally, she opts out disillusioned, immersing herself back in work - for a while at least until she's ready to try again.

There is the woman who through friendship or her social group knows a man who recently became single again. She'd never seen him as a potential partner before but she thinks, 'He's not my type...but maybe I should give it a chance.' They begin dating and while they have common interests, the longed for physical attraction isn't there. She grimaces when his hands caress her, she dreams of being elsewhere when they're intimate and all the while she reasons, "he's a good man, it's better than being alone."

And then there's my own experience some years back with the 'dating agency.' I met with the representative, a nice older lady, who had a long chat with me about my interests, and the type of man I thought would fit into my life. I liked her and so I paid over the fee that would guarantee me a minimum number of dates in the following year. After the first few dates, I began to feel a bit ticked off and wondered, 'Did she hear me at our meeting?' I had described my 'ideal' man (ok, we all have one!) as "a little quirky and in a suit" and around my own age bracket. However, each of my dates had turned out to be substantially older than I was and about as polar opposite from the quirky humorous type of guy I had hoped to meet. I decided to confront the nice agency lady suggesting she might have misheard me when I described my perfect man. "Look dear," she said, "all the best men are married." Gobsmacked as I was then, to this day, I still don't know why she didn't just say what she meant. 'Look dear, you're single, are you not happy enough getting out on a few dates.'

Finding the right person to love and be loved by isn't easy, yet even after failure we continue our search for the perfect relationship. But does it make sense when we know of the growing numbers of people living solo across Europe, the States and even in Ireland? Perhaps we ought to just accept our single status and get on with life. However we also know human beings are social animals, liking the company of others; there are even statistics to prove that we thrive better when we have people around. Isn't that why correctional institutions use isolation as punishment?

Maybe the answer as to why we continue in pursuit of a good relationship is simple. Have you ever been to the theatre or cinema alone? I have, and I've marvelled or laughed at productions and movie plots, then returned home without sharing my thoughts with anyone about what I'd seen. I've also travelled alone and paid the penalty for my audacity by being forced to pay single room supplements and sometimes for the dodgiest and smallest room in the hotel. Being single doesn't have to mean having a limited life but sharing it with someone does have benefits. You get to share your electricity and heating bills, you can debate 'til you're both blue in the face about a movie you've just watched and joy of joys there are no more single room supplements. But much more than that is being able to share your innermost thoughts, fears, and even hopes with someone who knows you well, who cares about you and a real plus who talks back (ok, so I chatted a lot with the wall when single!).

Now don't imagine even for a moment that singletons are anyway delusional. They are fully aware relationships are not always what they're cracked up to be. They've seen the couples who bicker and fight constantly, and know some who feel just as lonely in their relationship as they might in their solo living. But they will also know couples who make relationships look easy. They hear them laugh, see how they care for one another, and when the going gets tough, as it does even for them, they look on enviously at how they face whatever it is together. For those reasons, singletons will forever hold onto to the optimistic hope that someday they too will find their Mr. Right and the perfect relationship.








Carole Smith is a relationship counsellor, Life Coach and NLP practitioner. She also hosts seminars and workshops and has presented to women's groups, adult-education classes, and corporate organisations.
typedynamics.ie typedynamics.ie/

Maximize Your Home Before the Sale With Careful Planning

There are a few basic tactics and techniques that you can profit from when listing your home for sale that can enhance its appeal to buyers so you will garner fair market value for your property. With careful analysis, preparation and regards to detail, your potential for profit exponentially rises. There is a lot more to listing a home these days than erecting a 'For Sale' sign in your property and waiting for buyers, so your primary step to get into the arena will be to hire a professional agent who understands the regional marketplace and resources. Since local districts have their own contributing factors it is important that you grasp that a home listed in the Brampton Ontario real estate market will need to be handled contrastingly to a property in Toronto.

When you locate a full-time real estate agent, your initial move will be to sign a listing agreement that makes them the representative for your property so they work with you to create your promotional plan. As your real estate representative, they may assist you in creating a real estate write-up, arranging all appropriate inspections and permits, developing promotional events such as open houses and finally will assist you sure up the sale. There are many kinds of relationships with real estate professionals, and legally a realtor have to issue written disclosure of any facts that may affect the sale.

A few realtors are strictly buyer's representatives whose primary goal is to do any ground work that will support the buyer's interests, while others are referred to as seller's representatives and their objective is on getting the property sold for the highest possible price, although they are required to make available any defects to the buyer. A purchaser cannot review every available home on the market so a buyer searching in Toronto will rely on their realtor to review leabarclay.com/MLS_Listings_Toronto.html MLS listings in Toronto and just present them the appropriate ones. Some agencies, called dual agencies, are equipped to represent both the buyer and seller, and they have to provide written notice of these conditions.

To raise the sales potential of your property, seasoned realtors will happily recommend renovations to make your home more appealing to perspective purchasers. Since the outside of the home is the first impression purchasers have, it merits the investment to make significant outdoor work to increase its appeal. Real estate agent advice like power washing the sliding, grooming the hedges and trees, repairing door handles and painting can help homeowners use sensible answers to enhancing their profitability. Seasoned real estate professionals also use 'tricks of the trade' like planting colorful annuals along the walk and installing landscaping lights to heighten the chance of a sale.If you have a condominiums in places such as Toronto and are preparing it for sale you can get it to stand apart from other Toronto condominiums listings just by placing potted plants both indoors and on your balcony.

To make the interior more appealing to potential purchasers, remove as much stuff as possible, and put away things that will be removed once you move out, like personal memorabilia and decorative objects. Keep the photos that are hanging to a minimum and paint or scrub any walls that have discolourations or holes. It would be smart to rigorously clean all cabinets, drawers and wardrobes since the built-in features will be inspected by the possible buyers who are looking at available space. If appliances or fixtures are showing indications of age, consider replacing them with modern or used models that will be better. And last, but not least, when the homebuyers cone, give them privacy to inspect your property at their own pace so they will not feel harassed or rushed through the viewing.








As a blogger for many real estate topics Stefan Hyross also administers housing associated sites. If you are curious about the buyorselldreamhome.com/Brampton_Ontario_Real_Estate.html Brampton Ontario real estate sector or you are searching for Toronto condominium listings and would like to look through MLS listings in Toronto please go to one of the sites.

Three Options For Signing an Agreement With an Estate Agent

When you are looking into getting your home sold through a quick property sale you will need to take a look at the estate agency agreement that you are getting yourself into. This is an agreement that allows you to work with an estate agent that can help you out with getting your property sold off. You should know that there are three different types of agreements that you can get into. Here is a look at all three of these options.

First there is the sole agency. This is an agreement that is used in that you will be able to work with only one estate agency during a certain period of time. This can be a very useful thing for you to check out in that you will be able to streamline all of the processes that are involved in the transaction to only one estate agent. This is something very easy to handle because of how you won't have to worry about dealing with a large number of people in this process.

You should look into the amount of time that your sole agency agreement will last for. If you sign up for a sole agency agreement you should be sure that you are working with an agreement that is less than eight weeks in length. This will work in that in the event that the quick property sale does not go through during the time period that your agreement is in you will be able to keep from having your agent continue to work with you and you will be able to go with another estate agent that might end up being more successful for you.

The second type of agreement to work with is a multi agency agreement. This works in that you can work with all of the estate agents that you want to work with. You do not have to work with a specific time period either. This is a great thing to check out but you should watch for the cost that is going to be involved. A multi agency agreement is one that is going to cost more money than a sole agency.

Be sure to watch for the number of agents that you are working with during this process. If you work with too many estate agents you could be seen as someone who is rather desperate with regards to selling one's house. People could even think that something is wrong with your home and that you are using many estate agents in order to try and improve your chances of getting it sold. Therefore you should be very careful with this type of agreement.

The third and final option to see for your agreement is a joint agency agreement. You can work with two estate agents during this time and work with a time frame between you and the estate agents that you are getting your services handled with. However in some cases you might have to split money between two estate agents in this option. You should make sure that the agreement that you get into is a winner take all agreement where the estate agent that sells your home is the one that is going to be getting all of your money.

These are good things to see with regards to getting an agreement set up with an estate agent. With these options you can get an agreement that can work for your needs. You should look into things like the costs that are involved with an agreement and the number of estate agents that will be involved in the process when looking into these agreement options, to ensure you aid you quick property sale.








Steven Martin is a FSA interim authorised provider of sell and rent back and also provides quickpurchase.co.uk/content/quick-property-sale Quick property sale. He works at quickpurchase.co.uk quickpurchase.co.uk.

Home Buyer's Guide to FICO Credit Scoring

You see the daily headlines and constant media buzz surrounding the mortgage industry-"mortgage market meltdown", "credit crunch", sub-prime crisis"-and you think your chances of getting a home loan are slim to none unless you have perfect credit and funds in the bank for a huge down payment. Well, take heart, because there are still many loan programs available for borrowers with little or no down payment and moderate credit scores.

If you are planning on buying a home in the next 12 months, the first step would be to order your credit report and see if you have any "repairs" to do before applying for a loan. You can purchase your FICO Report on-line from Fair Isaac Corporation at myFICO. If your middle score is at least 620 and you can document sufficient income with W-2's or tax returns you can qualify for most Fannie Mae Agency conforming loans (loan amounts up to $417,000) even with little or no down payment. Although you may qualify for a loan with a 620 score, a higher score will get you a better rate and/lower points paid up front at closing. If your score is less than 620 you will find it difficult to qualify most "prime" loan programs.

Your credit report will include an explanation of your score, what it means to a lender, and suggestions for improving your score over time. It is critical to start following these tips for improving your score as soon as you can. Read over your report carefully and looks for errors. For example, quite often there are old paid collections that still appear on the report as having unpaid balances. Collections are particularly important since any unpaid balance will be added to your overall monthly debts or the lender will require that the collection be paid prior to closing the loan. If you discover any errors, you will need to report these to the credit reporting agencies and they will investigate and respond to you within 30 days.

Once you have cleared your report of errors, you can improve your score by following a "smart maintenance" program. The most important aspect of building and improving your score is to simply pay your bills on time. Every late payment or car payment will create a "ding" on your credit report. If you have missed payments in the past, get current and stay current. Keep your balances low on credit cards and other revolving account. The rule of thumb is to maintain a balance of no more than one-third of the total credit line. If your history is new, don't open any more than three or four revolving accounts. Most lenders want to see at least three accounts with a two year payment history.

Once you have implemented your credit repair program you can monitor your progress by checking your score every couple of months. Checking your own report directly from the credit reporting agency will not affect your score.

Remember, improving your score is a long term process that will take time and patience. However, your efforts will be rewarded by improving the terms of your mortgage and your long-term financial management skills.








Linda Hunter is a top-producing real estate professional and mortgage loan consultant in Long Beach, California.

For more information on California real estate, mortgage loans and credit repair, visit her web site at lindahunter.com lindahunter.com

Home Tutors - The Best Choice For Students

Reading student's mind and concentration level is not an easy task to deal with specially for children. It requires a good amount of patience, analyzing capability, frequency matching and most importantly adaptability. Now days talk about any services, focus on customization catering to individual need gets maximum vote for sure. Tuition in that perspective requires utmost care as students are grown up from grass hood level get sufficient nourishment for future growth.

Personalized attention can only be drawn from one to one communication with in-depth analysis of subject matter. In that respect coaching based learning does have general approach and attitude towards students. There are few substantial reasons why home tutoring proves better than group tuitions. From the findings here it wouldn't be tough to understand the success rate behind growing demand on home tutor jobs. Let's find some facts while comparing the duo.

Places of tuition:

Flexible location and easy accessibility is being the primary need of parents that is to overcome any kind of transportation hazards. For a home tutor it wouldn't be too much inconvenient to travel long distance as compared to a kid. If it is too far off place then tuition agency can arrange an alternative place like community hall, a library or relative's home etc. What is important, homely environment with serious atmosphere for study and concentration. For a center based learning transportation becomes a major issue for most of the families.

Time of tuition:

Scheduling tutoring time is another criterion to look for. It all depend on family's available time, planning with other engagements, social obligations, student's engagement with extra curricular activities, school timings and many more involvements. A private tutor only can manage and arrange proper timing for his student's tuition schedule. For a tutoring company time is fixed and preplanned. So no choices for parents while balancing their personal work and child's care.

Tutoring lessons:

A personal tutor is endowed with enough responsibility for student's regular improvement and continuous updating. He carries much load while preparing his student for wide range of subject matter so as to perform for all types of difficulties. Hence teaching module exceeds text book lessons and supplemental aid is being given to provide over all expertise irrespective of subjects or chapters. Tailor made academic planning of a home tutor always have an edge . Coaching only deals with school home work. Rather they create more burdens by loading more home assignments to students.

Direct interaction with student's school:

Private Tutors do maintain a close interaction with the school teachers to get connected with regular report on student's performance. They take enough toil to build up individual orientation program to follow up student's exact need. Even special arrangements are being held with the help of tutoring agencies some time. For center based learning system generally no possibilities of such benefits and options.

Hence parents do have strong role in finding key home tutors within their preferred location. Obviously it is advisable to do primary research on the tutor's experience, connections and outward personalities to find the best match for their students.








Sanat Singha an enthusiast tutor analyzes perfect tuition methods for students. Get more help from experienced myprivatetutor.com private tutors resource myprivatetutor.com myprivatetutor.com.

Why Maids Agencies Are Indispensable

It's not always possible for people to look after their homes and finish their household chores on time. If you are one of these people, you may have been planning on finding the right housemaid for your own home. Finding that one person who will take care of your home as diligently as you would is not always easy however. This is why maids agencies are very important.

It can be difficult finding the right maid for you. If you are particular about maintaining cleanliness throughout the house, you will naturally want to hire someone who has enough experience in housekeeping. In the same way, if you want a maid that knows about baby sitting, then you will want to hire someone with that particular set of skills.

The good thing about maids agencies is that they already have a selection of housemaids who are waiting to be matched with interested employers. This in itself will already save you time. All you need to do is to submit your criteria for the household help that you need, and the agency will see to it that your requirements are matched with the set of skills possessed by prospective candidates.

Going for a housemaid agency is much easier than having to find on your own the maid that your home needs. When you do the hiring yourself, you will normally go through the motions of interviewing each one, going through their bio data, and making verifications about their background. If you choose to go for an agency, the agency will be the one responsible in finding the housemaid that you require.

While you may be concerned with the expenses involved in dealing with agencies, the cost is nothing compared to all the trouble you will be going through if you were to search for the right housemaid on your own. It is always easier finding the perfect housemaid through reliable maids agencies.








Visit the top 1MaidHK.com domestic helper agency Hong Kong for free profiles & photos and contact us for the best way to hire your next filipina maids, nannies, housekeepers, gardeners, drivers and much more.

Thursday, April 10, 2014

Nursing Shortage - Nursing Agency Is The Solution!

The world needs more nurses. The demand for health-care employees is growing but the supply for nurses are largely lacking. The shortage was in the making for several years, will take years to rectify, and needs the assistance of each nurse, nursing program and organization, and health-care agency. The recruitment of future nurses is everyone's job.

Nursing shortage is widening globally. Shortage refers to a situation where the demand for nurses for health-care services is greater than the supply of nurses for the service. As the demand for nurses escalate but the supply decreases, nursing shortages also alarm the government. Currently, nursing is a constantly emerging profession and it is a large-growing demand presenting nursing career options endlessly. Moreover, the field of nursing is one that offers job diversity with thousands of positions available in hospitals, physician offices and clinics, skilled nursing facilities, home health, public health, occupational health and more. With many opportunities of having nursing as a career, why is it still the shortage is growing or even threatening?

Many agency take their methods as serious as valuing their own health. Nursing as found to be the heart and soul of a certain health-care organization are the one who give service of competent care for the patient.

Financial compensation for nurses varies according to geographic location, years of experience and level of education. Nursing shortage is a health-care crisis that affects quality patient care. Generally, some hospitals are run like business with the patients' care as of secondary importance - overlooking some integral to the daily nursing practice. Some health-care institutions cover up scarcity of nurses through mandatory overtime that dissatisfy the nurses. Global recruitment is an initiative made to assuage the shortage.

Remember, nursing is about caring for people. It is much preferred course and in the future it will offer numerous advantage to those who had taken nursing as a career.

There is never a dull moment as a nurse! Nurses understand that the ongoing changes in nursing and the health care system create a need for life-long learning to keep their knowledge and skills up-to-date. Nursing is a career for a lifetime. The nursing field remains a lucrative one for new hires and for nurses looking to advance within the field. Nurses today are in high demand and can help reap the benefits of great pay coupled with career satisfaction.








Dolson McArt - Author of: how-to-start-a-nursing-agency.com Nursing Shortage: Nursing Agency is the Solution!

Making Biodiesel at Home For Beginners

In the face of rising oil prices and increasing environmental awareness, alternate fuels are "in" today, even if only as a stopgap until even better "alternative energy" sources come about. High on the list of uses of corn today is conversion into ethanol for use in gasoline engines, while "biodiesel" is marketed to another segment of the driving world. The latter will be the topic today, as we discuss how you can make biodiesel in your own kitchen.

What is Biodiesel?

Biodiesel is an analog of diesel fuel, made from vegetable oil rather than petroleum. It can be used in place of diesel fuel in any diesel engine, and while diesel fuel itself is an extremely "dirty" fuel, biodiesel burns in a much cleaner way. Being recognized by the United States government and its Environmental Protection Agency as a fuel, biodiesel is fully legal in the USA. Further, most vehicle manufacturer's warranties will cover biodiesel.

What About Unrefined Vegetable Oils?

Diesel engines can, in fact, run on straight vegetable oil (SVO), but not without having a few alterations made to "convert" your diesel engine into an SVO engine. Biodiesel, on the other hand, can be fed directly into a diesel engine with no modifications made to it; additionally, you can switch between pure diesel, pure biodiesel, or any mixture of the two, as you need to.

Why Biodiesel Rather Than Straight Vegetable Oil?

While ordinary vegetable oil, straight from your supermarket shelf, can be burned as a fuel, it is not optimized to burn cleanly and efficiently due to the presence of other complex chemicals (chiefly glycerol) in addition to the hydrocarbons you are chiefly interested in burning. Biodiesel is essentially vegetable oil rid of this "fat," and turned into a cleaner, less viscous and leaner "pure" fuel.

How Can Biodiesel be Made at Home?

Because no major chemical changes are needed to convert vegetable oil into biodiesel, the conversion process is chemically simple: it is essentially just a "cleansing" of vegetable oil, as noted above. The only chemicals needed, in addition to the vegetable oil itself, are lye (or "caustic soda," found in the drain cleaner aisle) and methanol, available in any auto supply store. Though care should be taken in handling these chemicals, they are not restricted chemicals under United States law.

Is it Safe to Make Biodiesel at Home?

Done correctly, biodiesel can be made safely at home, as long as certain safety rules are followed strictly:

- always work in a well-ventilated area and take great care to avoid breathing any fumes

- always keep the working bottle sealed securely so that no liquid or fumes can escape

- make sure the working area is clean and dry before making biodiesel

- always wear safety equipment including apron, plastic gloves, and face shield and/or goggles

Is it Safe to Store Biodiesel at Home?

Once biodiesel has been made, and the dangerous chemicals involved in its creation disposed of, biodiesel itself is no more dangerous to store than any other liquid fuel such as gasoline, kerosene, or diesel. Naturally, biodiesel is flammable, since it is a fuel, so the same precautions should be taken when storing biodiesel as when storing any other liquid fuel.

Conclusions

If you are responsible and capable of following safety guidelines when doing chemistry at home, then the "cooking" of biodiesel becomes an easy and productive endeavor. You will end up with a clean, renewable, and cheap fuel, and a fuel that has many applications outside of cars to boot.








Cecilia Montrose has a long commute and spends a lot of money on gas. She's found fifty ways for 50waystosavegas.com saving gas and is always searching for new ideas for 50waystosavegas.com/howtosavegas.html how to save gas.

Just How Big is the Child Drugging Iceberg?

Last month a 7 year old foster child hanged himself in the bathroom of his foster home. He was being treated by a psychiatrist at the time of his death and was apparently being given a cocktail of dangerous mind-altering drugs.

Psychiatric drugs are linked to suicidal thoughts, depression, rage and a list of adverse and sometimes fatal side effects. This is so much a cause for concern that the law now requires drug manufacturers to provide warnings as to their dangers and laws in the Stare where the little boy killed himself that are designed to protect children from harm from such medications, forbid any child to be administered psychiatric drugs without parental or judicial approval.

In the aforementioned case no such approval was obtained and, if true, this would place his psychiatrist in breach of the law. A suicide while on psychiatric medication, given the known side effects of such medication suggests that the medication itself could have played a part in the little boy's impulse to take his own life. At the very least his treatment was ineffective in helping him overcome whatever difficulties he may have been experiencing.

A senior lawmaker who chairs the state's Senate committee on children is so concerned that she has asked two state agencies to investigate the psychiatrist who treated the boy.

In separate letters to the state's Board of Medicine and the Agency for Health Care Administration (AHCA), a Republican Senator. who chairs the Children, Families and Elder Affairs Committee, requested an investigation leading to a full report.

The death spurred the secretary of the Department of Children and Families to appoint a work group to study the agency's use of psychiatric drugs and its compliance with a 2005 law on the use of such medications on children in state care.

''In my view, this case raised serious concerns which demand attention and answers,'' the Senator wrote in a May 1 letter to the AHCA Secretary.

The AHCA runs a state program that monitors the prescribing of mental-health drugs to children, the Medicaid Drug Therapy Management Program. The program tracks the prescribing of mental-health drugs to children, and flags psychiatrists with a high volume of prescriptions of mental-health drugs or potentially dangerous combinations of the medication.

The program scrutinizes the practices of about 17,000 doctors who prescribe medications to children on Medicaid, and about 300 to 450 end up red-flagged.

The psychiatrist who was treating te boy, had been red-flagged by the medication program every quarter that the list was kept, according to one administrator, reports a local newspaper. Surprisingly, considering such a worrying track record, a spokeswoman for the state Department of Health reports that the psychiatrist has not been disciplined before by the Board of Medicine

The Senator wanted to know what the AHCA was doing to monitor the activities of doctors whose prescribing practices were identified as "problematic'' and asked, ''What guidelines or repercussions for red-flagged physicians are in place to prevent practices that result in a loss of life? What actions, legislative remedies or otherwise, should be taken which would provide the citizens of our state a greater level of protection?''

Spokespersons for both state agencies declined to discuss the requests but one confirmed ''It's very serious when we get a head's-up from a legislator, That would prompt us to begin the disciplinary process.''

What is emerging now is an indication that it may have been common practice for psychiatric drugs to have been used on foster kids without the parental or judicial consent required by law. In other words, illegal drugging of young children may have been commonplace in the state foster care system.

In an effort to sidestep laws put in place to protect children, some doctors were prescribing powerful psychiatric medications to treat "non-psychiatric" issues. For example, if the antipsychotic drug Zyprexa was used on a foster child for "bed wetting" or some other non-psychiatric purpose - no consent from a parent was obtained.

Therefore, the state did not include these drugs when adding up the number of kids in foster care on psychiatric drugs. Therefore, the count of how many children are being drugged may have been considerably under-reported.

Just how many psychiatrists were involved in the illegal child-drugging is not yet clear.

More than 20,000 case files of foster children in the state are under review in the wake of the death. Just under 10 percent of these children - 1,954 - were listed as being on mood-altering drugs, said the DCF's acting assistant secretary for operations.

That number is excessive enough considering the age of the children, the devastating side effects the drugs can have and the way psychiatric drugging invariably sets in train further complications but it will rise markedly when DCF releases the findings of its current study next week. "I don't know by how much, but it will be significant," he said.

In the little boy's case, he was listed in the database as being prescribed Adderall, an attention deficit/hyperactivity drug but two others, which he was taking when he died (Symbyax and Vyvanse) had not been approved by either his parents or a judge - and this is violation of state law.

The DCF Director has said he wants every aspect of the case investigated and people held accountable.

So do the rest of us.








For all my free articles, free books and much more, go to howdohub.com howdohub.com

Evolution of the Travel Agent

Years ago, when you wanted to go on vacation, there was only one option. You had to hoof it down to your local travel agency and browse through some travel brochures. Then, when you made your selection, you'd sit across the desk from your travel agent (in a very uncomfortable chair) while they entered all the information on their green monochrome computer screen. Travel agents were the keepers of all travel information. Their life was the stuff of dreams. We imagined they had been everywhere and knew everything about world travel. They were the rock stars of the retail world.

Then, a few things happened. First, the airlines decided they didn't need travel agents anymore and they pulled the plug on agent commissions. This didn't work out so well for the airlines as evidenced by the number of them who went under in the aftermath. Many agencies refused to sell airline tickets without receiving a commission. Why should they work for free? So, things began to change from what had once been a very structured agency model governed by the ARC (Airlines Reporting Commission) into an industry that was evolving into something new.

Then, the second thing happened. The advent of the internet connection changed the face of travel forever. Information is readily available 24 hours a day about any aspect of travel you can imagine - from luxury yacht trips in the South Pacific to staying at a youth hostel in Europe. Whatever your budget or interest, the internet can open up a whole new world of options available to you for travel.

However, with the plethora of information now available to consumers, is there still a need for the travel agent? Can't consumers just figure this all out on their own now? I suppose they could try. But, why would they want to? Travel agents offer the benefit of their expertise in dealing day in and day out with travel suppliers. They still hold the "secret knowledge" of the travel business, just in a different way now. Plus, the services of a travel agent are usually free to consumers, as agents are paid commissions by suppliers.

In all honesty, consumers need travel agents now more than ever before. In the past, there was so little information available to consumers that they were at the mercy of the travel agent to get any of it. Now, there is so much information available to consumers, they're often left floundering in the sea of travel offers. Travel agents are skilled at cutting through the hype and emotion-driven marketing of suppliers. They have learned how to match travelers with vacations they will treasure.

In the wake of the home-based business revolution, many travel agents have moved their businesses to their homes. This is a good thing for consumers in that it allows for much more personalized service. Agents usually have extended hours when they're home-based, making it more convenient to get in touch with them. And often, agents will come right to your home equipped with their laptop and brochures.

The smart travel agents have embraced technology and are using it to provide better service to their clients. Most travel suppliers are riding the technology wave too and are providing wonderful online resources available only to travel agents. The information age has educated not only the consumer, but has given travel agents powerful tools to provide superior customized service to their clients. With this type of customization, you can receive targeted travel promotions only for the destinations you're interested in. This service alone can help cut down on information overload. You only receive information that's of interest to you.

Another benefit of using an agent is that you have an advocate once you're on your vacation. If anything goes wrong or things aren't as they were promised, your agent will be your advocate to the travel supplier to try to get things corrected and made right. Just give your agent a call and let them try to sort the problem out. Don't spend valuable vacation time in frustration. Suppliers know that if they don't treat their clients right, agent won't promote their products. Suppliers work hard to maintain a good rapport with the travel agent community. Word travels fast about suppliers who won't take care of problems. However, if you don't have an agent, you won't have the benefit of any extra leverage your agent could provide in correcting a problem.

So, go ahead and spend some time on the internet gathering information for your next vacation. Peruse the vastness of cyberspace hunting for that perfect vacation. However, when it comes time to book your reservation, give your travel agent a call. They'll be able to determine if what you've selected will meet your expectations. If they think it won't, they'll recommend something else you might like better. And most likely ... they'll be right and you'll end up having a fantastic vacation!








About the Author

Lorraine Grant is a former travel agent and is currently a travel writer for Going Green Travel [goinggreentravel.com], a site that offers reviews of environmentally-friendly travel destinations. Click here to read her latest report.

Free CNA Training Classes

In Oklahoma, nursing abuse fines are funding free CNA training classes, expected to begin in 2010. The free program was organized when the Oklahoma State Department of Health (OSDH), in cooperation with Tulsa Community College and Oklahoma Department of Career and Technology Education established a fund of $371,000 that will cover the cost of training approximately 900-1,000 CNA students in 2010.

The money to provide free training classes comes from penalties collected from nursing homes that were fined by OSDH for delivering substandard care, i.e. nursing abuse. It is possible that Certified Nursing Assistants from these very same nursing homes will be turn out to be beneficiaries of the scholarship, which has aims of improving overall patient care in long-term care facilities. The core of the free CNA program is to upgrade the skills and knowledge of nursing assistants to a level CNA 2. Tulsa Community College also offers more advanced training for those nursing assistants who wish to advance to the CNA 3 level, but this level is not currently funded.

To fund the program, the OSDH is using civil monetary penalties collected by the agency from nursing homes that were fined for delivering substandard care. CNAs who work with long-term care patients in nursing homes and skilled nursing facilities are eligible to apply for the OSDH-funded training. The aim of the program is to serve as a career ladder for working CNAs - appropriately named the Certified Nursing Assistant (CNA) Career Ladder Program. The new course blends online learning with traditional classroom and lab work geared towards passing a CNA skills test. All students must have already completed online coursework and have reliable computer access in order to participate in this program.

All applicants to the program must be already accepted to Tulsa Community College. However, admission to the college does not guarantee admission into the free CNA training program, nor a guarantee of funding. Early application is encouraged, as funding and space is limited. In order to be eligible for funding consideration, all applicants must take and pass the College Placement Test (Reading and Sentence Skills only). The minimum score that an applicant must achieve is 80. Additionally, all applicants are expected to have completed a minimum of 12 college credit hours, with a minimum GPA of 3.0. Additionally, all applicants must have worked in a health care facility for a minimum of six months. All applications must include a letter of recommendation from their administrator.

The free CNA training classes consist of 30 hours, comprising of 11 modules, each three hours long. The five full days of training will focus on safety, teamwork, aging and illness, communication, nutrition, quality of life, dementia care, the importance of family, culture change and restorative care, spirituality, and dying. Students will then need to take and pass the state exam to receive their CNA certification.

Within the state of Oklahoma, there are approximately 66,000 individuals on the CNA Registry certified or entitled to renew their licenses as long-term care aides. Most of the 66,000 are considered potentially eligible to apply to this free CNA program. Therefore, the competition is potentially very high, since only 900-1,000 students will be funded in 2010. If accepted, students will be notified by mail, which will also include information and instructions about immunization requirements, a criminal background check, and a drug screening test. To be sure, applicants will be scrutinized for prior citations or suspicion of nursing abuse.

In addition to Oklahoma's program, there are other free CNA training classes, some of which are available online -- also funded by the nursing abuse settlements. Be certain to check whether the training programs are specifically designed as preparation to take the CNA exam, or for general informational purposes.








Written by, Brenne Meirowitz, B.A., M.S., M.A. This article, Free CNA Training Classes Made Possible by medicalschoolprograms.net/nursing-abuse Nursing Abuse was written while researching information about medicalschoolprograms.net Medical School Programs.

Home Inspection - Is Something in the Air?

"Something in the air" takes on a whole new meaning today than that magic spring night in the 60's or the Tom Petty song. Mold, fungi, radon, Chinese drywall and now PCBs.

Polychlorinated biphenyls or PCB's have been around since the 1940's. They where manmade chemicals that was widely used in construction materials and electrical products. They were banned by Congress in 1976 because of a "concern" about their health and environmental effects.

The use and disposal of PCBs before the phase-out resulted in their widespread presence in our soil, air, water and food. Despite the federal ban, they remain present today in caulking and sealants used in the construction or renovation of older buildings before 1978.

So why did the EPA announce guidance about this cancer causing chemical in September of 09?

The U. S. Environmental Protection Agency "announced a series of steps that building owners and public school administrators should take to reduce exposure to PCBs that may be found in caulk in many buildings constructed or renovated between 1950 and 1978.

"Call our the instigator... Because there's something in the air. " - Tom Petty.

The press release acknowledged the growing amounts of evidence of levels of PCBs in caulk used in older buildings with discussion as to the health concerns related to this "banned" cancer causing chemical.

But, the press release seemed to be carefully crafted such that it did not use the words "must" or "shall" in their discussion for actions and related testing.

Is this a serious issue?

Also the "EPA recommends testing peeling, brittle, cracking or deteriorating caulk for the presence of PCBs and removing the caulk if the PCBs are present at significant levels..."

In referring to high air test levels, the EPA also stated that "building owners should be "especially vigilant" in implementing and monitoring ventilation and hygienic practices to minimize exposures... "

How are people exposed to PCBs?

Though PCBs were banned from production in 1978, they still typically exist in low-levels in our environment. They are in the food we eat, the air we breathe and in dirt and dust outside. They build up in our bodies over many years.

This long-term build-up of PCBs is what potentially causes harm. The levels of PCBs in our environment and in the bodies of people in this country have decreased significantly over time.

So why all the fuss now?

Food is a main source of exposure to PCBs. Fish (especially fish caught in polluted waters) contains small amounts of PCBs, as do meat and dairy products.

Indoor air and dust may also be a significant source of PCB exposure from PCB-contaminated caulk, electrical products, other building materials or products that contain PCBs.

What about caulk in single-family houses or other places?

EPA has found PCBs in large scale apartment complexes and public buildings. To date, EPA has not found PCBs in caulk in single-family houses. They do note that generally air concentrations are below the public health exposure levels developed by EPA.

So where does this leave you?

Unless you sleep with old caulk gun, lick your window sills or snort contaminated dust, PCBs should not be a great concern. On the other hand if you work or live in a room where window caulk is peeling and falling on the floor, call an inspector for testing and recommendations before you "break out" into a song!








You can find information and resources about your home at homeinspectionraleighnc.com Home Inspection Raleigh.

Dave Park is a panel featured expert on themaverickbuilder.com The Maverick Builders where their teaching and advice move business forward for the people they serve - Real Estate Agents, Appraisers, Lenders, and Home Inspectors.

Wednesday, April 9, 2014

Personal and Home Care Aides - Career Opportunities

Personal and Home Care Aides work in patients' homes and rooms, helping disabled, elderly, ill, and mentally disabled and disturbed persons live in their own homes or in residential care facilities. They provide housekeeping and routine personal care services, as well as instruction and psychological support to their patients. They may advise families and patients on nutrition, cleanliness, and household tasks.

Aides keep records of clients' conditions, and of services performed, and report to a supervisor who is often a registered nurse (RN). Aides assist and cooperate with health care professionals and other medical staff.

Personal and home care aides hold over 700,000 jobs. Most jobs are in home health care services; individual and family services; residential care facilities; and private households. Self-employed aides arrange work schedules, payment, etc., on their own.

In some states, one need only receive on-the-job training, which generally is provided by employers. In other states formal training may be required. This is available from community colleges, vocational schools, elder care programs, and home health care agencies.

National certification is offered by The National Association for Home Care and Hospice (NAHC). Certification is a voluntary demonstration that the individual has met industry standards. One must complete a standard 75-hour course and written exam developed by NAHC. Home care aides seeking certification are evaluated on 17 different skills by a registered nurse.

State mandated tests such as for tuberculosis may be required as part of a physical examination. Criminal background checks are also sometimes required for employment.

Personal and home care aides must be able to:

help people and not mind hard work,


be responsible, compassionate, emotionally stable, and cheerful,


be tactful, honest, and discreet,


work independently,


follow detailed instructions,


lift patients without straining or injuring themselves.

Because of rapid employment growth and high replacement needs excellent job opportunities are expected. Job growth for personal and home care aides is projected to grow much faster than average for all U.S. occupations.

How Much Do Personal and Home Care Aides Earn?

Average hourly earnings for personal and home care aides were $8.12 in May 2004. Pay ranged from less than $5.93 per hour up to more than $10.87 an hour.

A Day in a Personal and Home Care Aide's Life:

On a typical day a personal and home care aide will:


clean clients' houses,


do laundry, and change bed linens,


plan meals (including special diets), shop for food, and cook,


help clients get out of bed, bathe, dress, and groom,


accompany clients to doctors' appointments or other errands,


advise families and patients on nutrition, cleanliness, and household tasks,


assist in toilet training a severely mentally handicapped child,


listen to clients talk about their problems,


keep records of services performed and of clients' condition and progress,


report changes in the client's condition to the supervisor or case manager.

I hope this article gives you a good idea of what is involved in the career of a Personal and Home Care Aide. Health care is the largest industry in the world. In the U.S. about 14 million people work in the health care field. More new wage and salary jobs are in health care than in any other industry. (Some figures from Bureau of Labor Statistics.)








Mike Clark is the director of Health Care Hiring (healthcarehiring.com healthcarehiring.com) an online portal to the health care and medical community. Check out this website to find out more about career & training opportunities, and nationwide employer contact information, in the health care and medical sector.

What To Do After a Major House Flood

Over the last two years, floods have damaged homes and businesses in all 50 states. The total cost for flood damage in the U.S. now stands at over $1 billion. While enduring a major flood is traumatic, dealing with the aftermath is equally as harrowing. Even minor flooding of a few inches can cause severe damage taking months to repair. A systematic approach can help homeowners wade through the murky aftermath of a flood.

Insurance and Other Assistance

o Insurance. One of the first things you should do after a flood is contact your insurance company to see if your policy covers the damage. Homeowner's policies do not cover flood damage, so flood insurance is a wise investment, even if you've taken measures to prevent flood damage.

Note: Document damage by making a list, taking photos, or using videotape as you begin cleaning your home. Besides needing the records for insurance claims, you can also use the information when applying for disaster assistance and income tax deductions.

o Federal Assistance. Disaster assistance is available in Presidentially-declared disaster zones and can help you in recovery. Flood insurance provides more coverage than federal disaster assistance. Insurance could cover a home a certain home for $250,000, while federal aid would provide only $35,000 toward the same home.

Note: If you receive disaster assistance, you cannot receive it again for 3 years. Should your home incur flood damage again within that time period, you would need flood insurance to cover the damage.

o Local Aid. Voluntary agencies, such as the Red Cross, church groups, civic clubs, and businesses typically provide flood relief. Telephone hotlines with such information are available in federally declared disasters.

Safety First

As owners enter their homes after a flood, safety is of the utmost importance. Avoid entering a house until local officials have declared it safe. Be cautious when entering, and don't go in if water remains around the building.

o Utilities. Report broken power lines and other damaged utilities to the appropriate authorities. Turn off all utilities and have them inspected and restored safely by a professional. Avoid any downed power lines, particularly those in water. See if your sewage and waterlines are damaged and if necessary, have them serviced as soon as possible as they can pose major health threats. Ensure that your water is potable before drinking.

o Fire Hazards. In case of a gas leak, use battery-powered lanterns or flashlights when examining your home and avoid smoking inside. Consult the utility company about using electrical equipment, including power generators.

o Structural Damage. To ensure your home is not in danger of collapsing, inspect the foundation for damage and check the integrity of walls, floors, doors, staircases, and windows.

o Chemicals. Be aware of potential chemical hazards around your property, such as leaking propane tanks or car batteries.

Clean Up

Home owners should clean and disinfect every surface in their home, including walls and hard-surfaced floors, with either a store-bought product or a homemade solution. A disinfectant solution can be made with 1/4 cup of chlorine bleach and a gallon of water. Open windows in the house for ventilation as you clean.

o Dry It Out. To avoid damage to the foundation, gradually pump water from flooded basements (2-3 feet per day). For items that cannot be washed, such as mattresses and furniture, if they are salvageable air dry them outside and then spray them with a disinfectant. Otherwise, throw them out.

o Food Areas. Throw away food that has been in contact with water (some canned items can be saved) and disinfect surfaces that contact food, such as counters, shelves, tables, utensils, serving ware, and refrigerators.

o Kids areas. Carefully clean areas where your children play.

o Clothes. Wash linens and clothing in hot water or dry clean them.

o Carpet. Steam clean carpeting if possible.

o Bathrooms. If sewage has come into the house, wear rubber boots and waterproof gloves to clean up.

o Throw It Out. Remove and discard items cannot be disinfected. Likely items include cloth, upholstered furniture, and drywall. Drywall acts like a sponge and will likely grow moldy, creating a permanent hazard unless removed.

o Freezer Approach. To protect from mildew, photographs, books, and important papers can be frozen and cleaned later. Dry them carefully, wash off mud and debris, place in plastic bags, and then store the items in a frost-free freezer until you have time to clean them.

An Ounce of Prevention...

If your house has flooded once, it can flood again, so take measures to prevent or mitigate flood damage in the future. Be prepared for the next time by reconstructing your home with flood proof materials and using techniques that will minimize damage. Have food stores and an evacuation plan and look into purchasing flood insurance. If your flooding was caused by leaking pipes, appliances, or water seeping into the basement, water alarms and leak detectors are also available, which will alert you to the presence of rising water in your home.








Eric Morgan has been assisting companies with internet marketing for over 7 years. He currently works for mwi.com MWI web design in Salt Lake City, Utah. For more information on how to prevent home floods visit thewateralarm.com The Water Alarm - Leak Detector.

Finding a Nursing Job

Can you imagine a hospital without nurses? They are the backbone of any hospital and key element of patient care. They make sure their patients are well looked after and help their patient's families as well to deal with illness and helping their loved ones to a speedy recovery.

If you have finished your nursing degree and are looking out for a nursing job, there are many different ways in which you can find one. Just follow a few steps and you're sure to be recruited in no time.

o Firstly make a list of all the places you wouldn't mind working. Some nurses want to work in smaller clinics while some in bigger hospitals. Once you know what you want and also what you don't it becomes easier to make a choice.

o What you can also do is contact employment and nursing agencies. Think of them as insiders in any job. They know of jobs that are not known to the public and also know of vacancies before they are advertised and have the advantage of applying first. You are assured of choices with a nursing agency and can apply to many jobs simultaneously before making a choice.

o You will find many portals online where you can simply upload your resume and it is visible to recruiters all over the world. You may just get a better opportunity than you imagined. There are also industries specific portals like healthcare, management or overseas jobs in particular. So use the internet well and look for a nursing job online.

o If you can visit the Human resource department of hospitals, clinics, and wellness centres in your community. You can ask if they are hiring and if they aren't you can leave your resume behind. Rest assured if they have a vacancy in the future, they will contact you for that nursing job.

o If you can't find a job immediately you should consider a trainee job. Any trainee job is a great way to be retained permanently in to the organisation. It's also great to get a feel of the place of work and actually decide whether you want to stick longer.

o Other places where you can find nursing jobs are schools and university health departments, insurance companies, retirement homes, rehabilitation clinics.








For any more information regarding nursing jobs and vacancies visit: nursefinder.com.au nursefinder.com.au

Having worked for 6 years in a firm providing placement services for medical professionals, Maya Blair knows the in and out of the field. She likes to use her knowledge to write interesting articles in order to educate others about the same.

Get Home Safely After the Christmas Party By Avoiding Drink Driving

Christmas is the worse period of the year for car accidents. Not only is it the weather conditions that heighten the chance of a car crash, but another factor is drink driving.

At Christmas, we all want a drink or two - it's the season to be jolly after all! However, if you are a driver, you do need to be a bit more careful than your passengers as you are the one in charge of the wheel! So when coming home from the annual Christmas party, if you are driving, take precautions by either not drinking, or drinking under the legal limit. Arrange alternative transport, if you feel in the mood for a few more drinks.

Statistics have demonstrated that you are thirty more times likely to crash if you are over the legal limit, making drink driving a hazard not only to yourself but to others on the road. Is it worth endangering yourself and others?

Think! The drink driving awareness agency suggests that after the first pint, a second one may cloud your judgment more than you think. The agency is campaigning for more awareness about that second pint, which could make you go over your legal limit or affect your driving anyway.

On the other hand, drinking limits are also personal. How you are affected by alcohol depends on height, metabolism, weight and other factors, meaning how each person's perception and abilities is affected is unique to each person. It means ultimately that you are judge of how much you can drink, under the limit, before your driving will get affected.

So what do you do this Christmas, after the Christmas party, to avoid a crash caused by drink driving? Generally, it is recommended if you are driving that you avoid alcoholic beverages completely. If you make this decision, stick by it and don't be tempted by drink. Alternatively, if you feel a little left out but have already drove down, park somewhere you can for the next day and take a taxi home and collect your car the next day. Another option is arrange accommodation for the night so you have the next day to recover and make sure you are safe on the road.

It may be also a good idea to organise a car share for the party, so that only one person, the driver, needs to stay sober over many. It means you can all stay out till late and be drove home safely. Ask someone who is happy not to drink and will enjoy the party anyway.

Remember to avoid drink driving at all costs, whatever the season. Christmas time is particularly bad because you'll need to concentrate extra hard, due to extreme weather conditions. So forget that pint, it's not worth having a crash over, is it?








If you are interested in attending a shared christmascorporation.co.uk Christmas party or creating an exclusive Christmas party for you and your work colleagues, visit christmascorporation.co.uk christmascorporation.co.uk for more information on Christmas parties around the U.K.

Things To Look For In An Orlando Realtor

Whether you are buying or selling real estate, getting a competent and cost-effective broker can make all the difference between a successful transaction and one that doesn't go to plan. This article outlines exactly what you should look for in a real estate agent to ensure that you end up being a happy buyer or seller.

Testimonials - word of mouth is often the best way to find the right real estate agent. There is no better way to find a good real estate agent than to hear a recommendation by someone else. While many people suggest that you need a different kind of real estate agent for buying or selling a home, this is simply not the case. If you can are not able to find a recommended real estate agent, or even if you do find one that is recommended, you should always ask for testimonials from past clients. Always ask for the contact details of clients, even if you don't intend to contact them, because this is a means of ensuring that the customers account of using the real estate agent is genuine. Always remember that even great companies can have some bad apples among their team. That's why you should find out about people who have worked with the agent that has been assigned to you, not just people who have worked with the agency that you are considering working with.

Honesty - There is nothing worse than working with someone who you can't trust. While the majority of real estate agents are model citizens the same cannot be said for every real estate agent that is out there. You should look to work with someone who appears to be honest and up-front about everything. The last thing you want to do is end up working with someone who you can't take what they say on face value. One great way to check for honesty in a real estate agent is to look to see if they cushion every blow and avoid difficult questions - this usually means that they are never going to give you the full picture unless you force them to.

Experience - While many real estate agents may be fresh out of college and just as competent as their older colleagues it is usually the case that they will not be. That's why you should look to work with someone who is street-wise. Remember the older you get the wiser you get and the same applies to an Orlando realtor. It is also the case that you should look to work with someone who has worked in the Orlando area for a large part of their career - this will mean that they will be equipped with more knowledge specific to the area where you want to buy a home.

Go With Your Instincts - Never forget to follow your instincts when it comes to choosing a real estate agent. While you should be careful that you do not fall for false chemistry created by the real estate as a means of selling their services, you should look to work with an Orlando Realtor that you can get on with.








Doug Lasley is president of OrlandoRealtyExperts.com Orlando Realty Experts.com. The author writes articles about Orlando Homes For Sale and Real Estate Orlando. Supplementary editorials that were written by Doug Lasley related to orlandorealtyexperts.com/SearchOrlandoMLS Orlando Property are available on the net.

Adoption and the Workplace

Barb and Maxine work for a large corporation whose profit for the last quarter was $400 million. Both women are new moms, currently at home caring for their children. Barb will be at home for 52 weeks and will receive 85% of her regular salary. Maxine, on the other hand, is able to stay home for only 35 weeks during which she receives 55% of her usual salary. What's the difference? Barb is a biological mother; Maxine is an adoptive mother.

Both the Federal Government and the employer are treating these women differently, based on the way they have chosen to build their families. Their employer, like many organizations, "tops up" the payments received from Employment Insurance so that employees receive full (or near full) salaries while they are off work. In Maxine's case, however, their employer does not extend the benefit to adoptive parents.

The Federal Government pays Employment Insurance (EI) benefits to provide financial assistance to new parents (currently 55% of average insurable earnings to a maximum of $413 / week). Maternity benefits are payable to biological mothers for a maximum of 15 weeks. Parental benefits are payable to parents (biological or adoptive) for a maximum of 35 weeks. Thus biological parents are eligible for 50 weeks of employment insurance while adoptive parents hit the maximum at only 35 weeks. One adoptive parent is mounting a Charter of Rights challenge on this very issue in the E.I. Legislation.

Biological parents are provided with EI benefits over a one- year period comprised of:

a) 2 week disqualification period (i.e. no EI payments) and

b) 15 weeks of maternity benefits; and

c) 35 weeks of parental benefits

Total: 52 weeks

Many employers also pay top-up wage compensation to their employees for the two-week E.I. disqualification period by topping up their wage to between 85% and 100% of their normal salary (i.e. the employer pays all of this benefit during the first two weeks). For the next 15 weeks, the top-up reduces by the amount of the E.I. maternity benefits (described above). Some employers also top-up the employees' salary for the full 35 weeks of parental benefits as well.

As a result of complaints we received about how adopting parents were treated in the workplace, Sunrise conducted a limited and informal poll of its clients to see how widespread the differential treatment of adoptive and biological parents by employers is, and we were stunned by the responses. Many of our clients reported situations in which a biological parent receives top up payments, while an adoptive parent is refused. Here are some examples of what we heard:

Government of British Columbia: The B.C. Provincial Government is one of least discriminatory employers we heard about. It offers a top-up to both biological and adoptive parents (to its unionized and non-unionized employees.) It also offers adoptive parents a " Pre-Placement Adoptive Leave." This leave allows adoptive parents to attend pre-placement visits for their homestudy or to complete legal requirements for the adoption while collecting 85% of their regular salary.

Government of Canada: A federal civil servant, who is an adoptive parent, received 93% of her wage by top-up for 37 weeks. The real irony is that the Federal Government treats its adoptive parent employees better than most employers do, but discriminates against all adoptive parents with its EI policy!

Police: The RCMP (a federal government employer) offers both adopting and biological parents the top-up for 37 weeks. Other police forces in British Columbia (Municipal forces) generally do not pay the top-up to adoptive parents. (The municipal public force in Saanich, B.C., however, does pay the top-up for 37 weeks).

Municipalities: One adopting parent reported that the Municipality she worked for finally gave her the top-up right after she filed a complaint with the Human Rights Commission.

Hospitals: Regional Health Districts are the employer for nurses in British Columbia. One adoptive parent reported that in his hospital, biological parents receive a top-up on the EI Maternity Benefit only. No one receives a top-up on the Parental Benefit. Since adoptive parents don't qualify for maternity benefits, they don't receive any top-up at all.

Universities: Universities do not seem to take a consistent approach in how they treat their employee parents. Adopting parents employed by universities told us about a wide variety of benefits payable to adopting parents. Often these were inconsistent, unusual, and at times discriminatory.

At the University of British Columbia, adopting parents get topped-up for 12 weeks, while biological mothers receive 20 weeks. At the University of Toronto, adopting parents receive 27 weeks of top-up, and biological mothers receive 3 weeks more. At Capilano College, parents on parental leave are topped-up to 80% of salary, and for parents on maternity leave to 90% of salary.

Professors at Simon Fraser University are the only employees we found who were treated absolutely identically whether they were biological or adoptive parents. To do this, the maternity benefits not paid to adoptive parents by EI are covered by the university. Kudos to SFU!

Schools: We heard from many teachers across the province. School Districts in British Columbia bargain separately with the teachers' union (BCTF). As a result, adopting parents (who are also teachers) receive different benefits depending on where they work. For example, Surrey Teachers do receive the top-up of 95% of salary for the first 2 weeks, 70% for next 15 weeks and zero for the balance of parental leave. North Vancouver District teachers receive 95% for the first 2 weeks, but then 70% for only the next 10 weeks (while biological mothers receive it for the next 15 weeks). Most other school districts do not pay top-ups at all to teachers. There is no rational basis for treating teachers, who choose to create their families by adoption, differently. One parent was told that top-ups are not paid to adopting parents because the school district follows "Government of Canada rulings". This doesn't accord with our findings; all federal government departments that we heard from do top up adopting parents.

One adopting parent employed by the Coquitlam School Board was recently refused the top-up. When she told her employer that she was filing a complaint with the Human Rights Commission, she immediately received a top-up.

Falling Between the Cracks

Some adopting parents are in a catch-22 situation and the problem may not be resolved until a parent takes action. We heard from several British Columbia parents who reported that employers dodge responsibility by saying it is up to the union to ask for benefits through the collective bargaining process.

One city police department we heard from only offers the top-up to biological parents. A Port Moody police officer said, "I am a union member and was entitled to nothing under the collective agreement. However, we were in the middle of negotiating a new one, and I asked for a provision to be added. I was unsuccessful".

Pursuant to Labour Relations legislation, unions are required to represent minority interests (like those of adopting parents). Failure to do so can lead to a complaint with the Labour Relations Board. Exercising that legal right against your Union, however, can be a scary prospect.

Another adoptive parent reported:

"I wasn't sure if there are many others in the same boat as myself, and considering the extremely daunting task of applying for change in our organization (my employer is Vancouver Coastal Health), I have not bothered to try. I would have to put forth a motion to the union (membership = 40,000) and the union would then vote on whether or not to pursue this issue with the Health Authority and ultimately the Government. Another union colleague who adopted several years ago felt the same as I do now."

Many adopting parents had similar experiences when they approached their union. They were told that nothing could be done. Studies in the USA show that less than 1% of eligible employees receive adoption employment benefits. No wonder adoptive parents can feel lost in big unions!

What Can Be Done?

In a landmark 2002 study, 94% of respondents stated that adopting parents should receive the same benefits in the workplace as biological parents4. It is clear our society feels overwhelmingly that adopting and biological parents should be treated equally.

This doesn't seem right. Large government employers (such as hospitals, health districts, municipalities and school boards) should not justify continuing to discriminate by claiming that the unions need to ask for it. They should take responsibility and end the discriminatory treatment.

Employers should treat parents equally, whether they give birth or adopt. If an employer pays an E.I. top-up to a biological parent, then the same compensation should be paid to an adopting parent. To not do so is discrimination.

The need for change is apparent and many parents expressed an interest in making that change happen. Unless adopting parents object, this discrimination will not end. One possibility is to file a complaint with the BC Human Rights Tribunal. The most effective solution may be for adoptive parents to lobby their MLAs and MPs for legislative change. How about a law that simply says adopting parents and biological parents must be treated the same in any workplace. (After all 94% of society already thinks this is what should happen)

Talk to your employer and/or your union officials. If your organization tops up biological parents, insist that they treat adoptive parents equally.








Douglas Chalke has been actively involved in adoption for the past twenty-three years. A practising lawyer, he has lectured and written on issues in adoption and for many years was actively involved in proposals for adoption reform. Mr. Chalke has developed standards of practice in adoption and is widely known as a leader in the adoption field. Mr. Chalke has provided advice and counselling to birth mothers, birth fathers, adopting parents, social workers, and to lawyers in several hundred adoptions.

Since 1983, Mr. Chalke has operated and managed a law firm in Vancouver. This firm has been involved in all aspects of family issues and specializes in the fields of adoption and the resolution of disputes by mediation.

Mr. Chalke is 62 years of age and has been the Executive Director of sunriseadoption.com Sunrise Family Services Society (a British Columbia government licensed adoption agency) since its inception twelve years ago. Mr. Chalke has considerable experience with international adoption and has visited orphanages and government ministries across the world. Mr. Chalke is an administrator with many years experience assisting children to find homes in Canada, and in assessing, educating and approving the families who are going to provide those homes.