Saturday, May 3, 2014

Promotional Pens For Promoting Your Estate Agency

Use promotional pens for promoting real estate offices at meetings, convention show booths or at open houses. When you affix your company name or message to promotional merchandise, it remains as long as that item is in use. Good quality pens have a very long lifespan and are one of the least expensive types of promotional merchandise available.

Good quality promotional plastic pens can be purchase well under 50p per item. Even fancier promotional metal pens are very affordable, with many priced between one and two pounds for simpler styles. Boxed pen sets and higher quality metal pens can be pricier, they will be used daily promoting your business. The main point with all promotional merchandise is that the imprint works as long as that item is in use.

Using promotional pens for promoting estate agencies is an excellent, affordable and popular idea. Banks, hair salons, motor vehicle dealers and other businesses use them because they work well to promote a business. Estate agent offices are no exception and the imprinted pens will go home with prospective clients and current customers to be used for a long time. It is no surprise to learn that many women will carry three of four personalized pens in their purses. Pens are always needed, even in this era of texting and emailing

Use eco friendly gifts like plastic pens made from recycled plastics. The "green" products send an unwritten message that your company cares about the environment at the same time these gifts continue to promote your business around the clock.

Promotional plastic or metal pens come in many colors, sizes and shapes. There are additional 3D icons that can be attached to the top of the pens. A small house shaped attachment would be appropriate for a real estate office to use in their marketing to customers. For corporate gifts, use elegant gift boxed sets of pens or pen and pencil combinations. These attractive gift box sets are ideal for reaching the high end buyers of more expensive homes.

The imprint used on pens is just like the imprints that are found on other gifts such as promotional clothing or sports water bottles. Pens, although small in size, do offer a very long and visible area for imprinting contact information, such as your telephone number, web address and name. A unique message can also be added. Try something humorous for smile appeal.








All of the popular promotionalpens.co.uk promotional pens mentioned in this article can be viewed and purchase online at promotionalpens.co.uk. We ship worldwide.

Dan Toombs is Managing Director of CompuGift Limited, a leading UK based supplier of top quality compugift.co.uk promotional gifts.

Save Your Home And Prevent Foreclosure Now

One of the biggest fears of most American household consumers are the thought of loosing a home. It surely isn't easy to loose a home especially when you have a family to take care of. Due to the recession and loss of jobs state wide in America recently, managing everything has become more and more difficult. Especially those who are struggling with their mortgage payments.

What To Do With Those Huge Debts?

The first thing that you should consider is the fact of taking action and not "hope" to get out of this hurdle. Many people are getting more and more in debt and are waiting for results to help them solve those problems. Of course waiting isn't going to solve anything anywhere. What you need to do first thing is to make sure that you take the right action and protect your family and yourself. Due to the recession, it hasn't been easy managing with everything, so what you wanna do is make sure that you have a workable budget that you will be able to afford everything that you are carrying for.

If you are currently carrying credit cards, then you need to make sure that you can at least afford the monthly minimum payments. Even at that, it may take you up to 15-20 so odd years to pay it off in full depending on the balances that you carry. However, there are solutions that can help you in which you should invest your time and take action right away when possible.

Why To People Fear Debt Agencies?

The real question here is why do people even put up a wall when we talk about options such as loan modification for your home or debt relief? Simply because people have not tried those options themselves and even if they did, failed to realise how to go about their guidelines and helping yourself with those programs.

That does not mean that all debt agencies are good, beware, some are there to actually scam you and can cost you thousands of dollars. What you want to do is find the right agency, a trustworthy one that you can research and find information about.

What About Preventing Foreclosures?

There are thousands of way to prevent foreclosure of your home. The first step is to make sure that you are financially aware of what budget you are willing to allocate monthly to maintain your current situation. The second thing is to make sure that you do not go excess spending. Every little bit of money helps. Get a hold of an agency that does loan modifications and see if you can get their assistance in reducing your interest for your mortgage and get into a lower monthly payment gap.








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Healthcare Recruitment and Placement

Healthcare recruiting and placement services of reliable recruiting agencies offer excellent medical staffing services for a wide range of reputable medical facilities across the US. These recruitment agencies benefit not only job-seekers, but also top notch medical facilities like multi-specialty hospitals, rehabilitation centers, nursing homes, home healthhappinesslifetime.com care agencies, acute care clinics, long-term care centers, physician's offices, outpatient clinics, educational institutions and government agencies, to recruit qualified personnel.

Talented Professionals for Healthcare Facilities

In view of the requirements of employers as well as job-seekers in the US healthcare industry, numerous healthcare staffing solutions providers offer reliable recruitment and placement services.

Healthcare employers benefit greatly from healthcare recruitment and placement services in that they are able to find the right person to fill the various positions in their facility. For instance, the recruitment agencies can supply them with professionally qualified speech language pathologists, occupational therapists, physical therapists and so on. Moreover, by using the services of recruitment agencies, the healthcare facilities are saved the trouble of job advertising and also the time and effort required for performing the tedious recruitment process. The agencies have a team of experts to manage the entire placement procedure, including candidate sourcing, preliminary evaluation and interviewing.

Placements with Attractive Benefits

Recruitment and placement services are available for both domestic and internationally educated candidates who can obtain temporary, permanent, part-time, short-term, long-term placements or travel jobs with high salaries and other benefits including

• 401(k) retirement savings plan
• Paid housing
• Professional liability insurance
• Section 125 Cafeteria plan
• Additional state licensure
• Continuing education
• Completion bonuses and travel allowances
• Short-term disability insurance
• Healthhappinesslifetime.com care insurance
• Immigration processing support (for candidates trained abroad)

Reputable Agencies for Reliable Healthcare Recruitment and Placement

Healthcare recruitment and placement agencies in the U.S maintain online databases, which are updated frequently. By registering online, both employers and job-seekers can benefit through the quality healthcare recruitment and placement services offered. Candidates can access the jobs database and locate suitable job opportunities quickly. Employers who need for several professionals at a particular time are offered volume discounts.








therakare.com/healthcare-recruitment-agency.html Healthcare Recruitment Agencies - TheraKare, a full-service medical staffing firm provides complete support for those seeking physical therapy jobs, therakare.com/occupational-therapy-jobs.html occupational therapy jobs, and speech pathology jobs.

Warning! Your Elderly Parents May Have a Drug Problem

No, I'm not talking about addiction to illegal drugs, that's not my area of information - However, this problem is just as serious, in fact, it could be fatal to your elderly parents. What I'm talking about is the huge pharmaceutical phenomena = Drugs Prescribed by Doctors or bought over the counter.

There is a good chance that by the time you become aware that your parents need help, they will be taking several prescriptions on a continuing basis. In my case, when I started getting involved caring for my parents, my mom was taking pills for arthritis, high blood pressure, clogged veins, diabetes, bone density, incontinence. She needed a weekly pill organizer to keep them straight.

Keeping track of when to take all of these pills is just the tip of the problem.

If they do not have adequate medical insurance that covers drugs, there is a good chance your parent won't be able to afford all the medicines needed to treat their conditions.

An additional problem is drug interactions. If your parent goes to several specialists for ailments affecting different body parts,(and these days - there is a separate doctor for every body part) the specialists may prescribe medications without knowing of the other medications being taken.

This problem could be avoided if the doctors ask and keep a record of other medications being taken. Also, a pharmacist should notice conflicts in prescriptions for the same patient. However, if your parent is not forthcoming with this information, or changes the pharmacy where they fill prescriptions, the conflict will not be caught.

Then comes the problem of forgetting to take medications, or even worse, forgetting the medication was already taken and taking another dose. My aunt was beginning dementia, she would take a nap, wake up and think it was another day and take medications she'd already taken. She wound up in the hospital from an overdose.

An additional problem comes when medications look similar or have similar names, or the directions are not easy to read - this could result in taking the wrong medication or the wrong dose.

If your parent is not able to clearly explain each medication they are taking, it may be necessary to do some research. Sometimes a search on Google using the name of the medication gives a lot of information.

Two very helpful websites that give Free info are the National Library of Medicine (nlm.nih.gov) and WebMd.com.

Of course, the best solution is to accompany your parent to their doctors and have a list of all the medications they are currently taking, as well as a list of questions ready to ask, such as:

Are any of the medications on the list duplications or conflicting with others?

Are any unnecessary at this time? (Perhaps the prescription was for a specific condition that has cleared up)

Is there a generic substitution available (if not already being used - this could save a lot of money)

What are the known side effects for these medications?

Are there any newer, more effective medications for the condition?

Depending on the seriousness of your parent's condition and their capability of taking their medications safely, it may be time to look for alternatives to leaving them on their own.

It may be enough to stop every day or two and monitor the medications. If you do not live close enough - check for home happinesslifetime.com care agencies that provide a person who will go to your parents home - provide some basic care and even do some housekeeping.

There may be a visiting nurse service in the area that will make visits to check on your parent and monitor medications(in certain circumstances Medicare even pays for this.)

Having your parent move into an assisted living facility or nursing home is another alternative - however, a very costly one.

What often happens, at this point, is having your parent move in with you. This may be the solution to one problem but the cause of several others. It's best to look at all options before deciding on what will be the best solution.








About the Author: Rosemarie Zera . After over ten years of running a Bookkeeping Business in New Jersey, she moved to San Antonio, Texas to care for her elderly parents. Enjoys decorating, reading, spending time with her grandkids. Recently started a BLOG about the issues facing babyboomers caring for their aging parents. More information and resources can be found on website: [babyboomeragingparents.com]

The Biggest Problems With Caring for Your Elderly Parents

It's the weekend and time to make the call to your mother back home. But when she answers, her voice is slurred and she's talking about things that don't make sense.

Something is wrong.

Strokes can happen at any time. A myriad of medical conditions can happen at any time in men and women over a certain age.

Your mother has suddenly gotten old and you realize the clock has ticked to the time that comes to many of us. It is now she who needs looking after not you.

It is a role reversal that can create headaches, and be a shock to the system.

You can make the job easier by thinking ahead and discussing the options with your parents while they are still in sound mind. This not only helps with planning, but also lets them know that you care and are thinking about their welfare.

At the very least, you can have contact numbers on hand for elderly service providers for when the crisis comes, particularly if you live a long car ride or plane trip away. Know their doctors' names and have a copy of their medicare numbers, if they have them.

Exchange phone numbers with one of their neighbors for emergencies and make sure you have a set of keys for their home.

Keep a list of their medication, including dosage. This includes non-prescription drugs as well as prescription drugs, as there can be side effects when drugs interact.

Once the shock wears its way out of your system, if it ever does, there are not just emotional, but financial and practical matters to consider.

Where are their important documents, like wills, kept? Someone should be made enduring power of attorney to handle financial and legal matters. All paperwork such as bank statements, records of mortgage or rent, insurance policies, taxation, benefits and welfare, should be in order.

Caring for the elderly is tough, and with life expectancy rising, the chances you will be faced with this dilemma are growing. In fact, as the population ages, caring for the elderly parents while working is set to become one of the biggest challenges facing people all over the world.

What do you do?

If they are no longer capable of looking after themselves, you can move them into your own home, but what about your spouse and children? How will they react? Do you have the space? Are you equipped to look after someone who cannot look after themselves? You may have to consider wheelchair access, and other alterations to your home to make life easier for your parent.

Perhaps the parent doesn't want to live with you. Maybe they will refuse to leave their own home, where they may have lived all their life, despite what the Doctor orders.

They could be vulnerable if left living on their own though, so keep a close eye on them, and find out about local home care agencies. You could investigate Meals- on-Wheels, transport options, and assisted living. You may be surprised at the community resources that are available.

There could be conflict. Involve siblings in discussions, if you have any, and their husbands or wives.

Share the burden.

There's a nursing home, or retirement village, but costs can spiral and if you are not well-off then it can be a struggle. Fees are often not included in national health services. And arrangements care can take weeks, if not months.

Will you have to take time off work? Can you take time off work?

There is a mountain of things to consider.

What's likely to hit hardest s the emotional aspect of seeing a once active and proud parent frail, and in some cases, incapacitated?

Even a slow decline can come as a jolt.

Looking after elderly parents can be a stressful period of your life, an anxious period. And it can arrive suddenly.








Christain Cullen is a dedicated writer and webmaster. If you found this article helpful, discover how you can get more information about how to get the best quality life you possible can! [livetoahappyoldage.com/break-the-secret-codes-to-a-happier-old-age-part1.html] by visiting [livetoahappyoldage.com]

Best Home Based Business Ideas - 4 Lucrative Ideas

Like many people, you may be interested in starting a home based business. Through this article, you are provided a quick overview of some great home based business ideas that you can get into in order to gain some extra income.

One of the home based business ideas that you will want to keep in mind involves establishing a travel agency. In this day and age, thanks to the internet, it is very easy to run a travel agency from the comforts of your own home.

Another home based business idea that may be of interest to you is a pet daycare service. This can either be done on your premises or you can develop a system whereby you and your staff can take care of pets at their own homes.

A third idea, which is one of the best home based business ideas in my opinion, involves designing custom greeting cards. A number of individuals have established very successful custom greeting card design businesses from their own homes. This is currently a hot business idea and many individuals are going into this at the moment.

Finally, one of the best home based business idea that you might want to take a look at is a business based upon search engine optimization consultation. In this day and age, the demand for qualified experts in the field of search engine optimization is extreme. Therefore, if you can educate yourself in this field, and if you can become professionally qualified in the area of search engine optimization, it can be the foundation for a very profitable business enterprise for you.

Of course there are many other work from home business ideas that you can venture into as well. In a nutshell, the best home based business ideas usually fit your character, desires and skill level the most. So the best thing to do is choose an idea that suits you best. If you take this approach, you can guarantee your success in running a home business.








Melvin Perry is an internet entrepreneur that specializes in building large email lists within a matter of weeks. He currently teaches marketers via free step by step videos how to earn thousands monthly through a home business model known as the list building model. You can snatch these 2+ hours videos at no cost by visiting list-building-videos.com FREE Home Business Videos

Friday, May 2, 2014

Negotiating with Collection Agencies

If you're in the process of cleaning your credit, you may have an item or two that went to collections. Most of the time these are medical bills or utility bills after a move, and unpaid credit cards. The tactic that most credit repair agencies use is to dispute the item relentlessly (every 30 days) with the credit bureaus until the item comes off your credit report.

This is not to say that the item will not pop back up on your credit report if the collector reports it at a later date. For the purposes of buying a home, disputing is a temporary fix and may prove useful in improving your credit scores until you get into your home.

Many collectors are so persistent that the item will not budge even after numerous attempts by the credit repair agency to dispute. If it doesn't look like its going to fall off your credit report any time soon, you will want to pay it off at this time.

NOTE: Negative items typically fall off after 7 years, unless the creditor or collector continues to report it to the credit bureaus. So choose your battles wisely. Your credit report will show when a collector reports your account to the bureaus. If it hasn't been reported in years, leave it alone. If it's repeatedly reported...

It's time to roll up your sleeves and negotiate. Call the collection agency and let them know you want to settle your debt. Tell them that you mean to do the right thing and take care of your outstanding debts, but only have a limited amount extra money to work with, and it won't last long so you want to pay them now.

They may automatically make a settlement offer to you. I usually don't see collectors with the starting offer at half the payoff balance, but it happens. Before you let them give you a payoff amount, give them one. Offer half or even less than half (or whatever you think you can handle) and express that you have this money to pay them only at this time.

A collector may flat out say "no, I cant do that" Politely tell them that this is all you have and you cant afford to give them more, but you would like to take care of this debt. And hang up. Call them back a few days later and make the same offer, see if they change their mind.

This is the most important part. If they agree to your offer, get it in writing. I've had collectors agree to take your payment over the phone and settle your debt, only to find out that they had only applied the portion you paid to the full balance and no settlement was agreed to. YOU STILL OWE THEM MONEY! This was obviously not the agreement you made.

Get the agreement in writing. Ask them to mail or fax a signed settlement agreement that shows your amount settling the debt entirely, and bringing your balance to zero, totally paid off. Let them know that when this is done, you will wire the money, or overnight a cashier's check, so they get their money fast. You must also ask for a receipt of payment, because this is not the end of your work.

A paid collection STILL stays on your credit report. Even though it's paid, it remains as a derogatory item. This does nothing to increase your credit score. So there's one thing left to do. You must get it off the credit report by asking the bureaus to remove the item.

Its time to dispute again. But now you have a receipt that shows the item was paid in full. Ask the credit bureaus to remove the item from your credit report, reason being that the item was paid. You can dispute by regular mail or fax and include all agreements received, plus the paid receipt. Then watch your credit. If the item doesn't come off, dispute consistently until it does. Once the item is removed, watch for your credit score to improve.








Trisha Dingillo is an Illinois Licensed Mortgage broker. She is the author if the creditspurt.com Bad Credit Repair Guide "Credit Spurt"

Is NOW the Right Time to Buy a Home in Marbella?

I guess at this point in the economic cycle the answer to that question depends on who's asking it and who's answering!

From many years of dealing with property buyers in Southern Spain, I understand that the pre-requisite is the need for a buyer to be genuinely interested in the prospect of buying. As a result, the answer to this question reinforces - or not - their planning.

Let's confront the general perception of Spain through in the eyes of an interested buyer.

The media has had a high old time kicking the "Spanish Costas" with their indignant headlines and generally wallowing in the misery of those Brits embroiled in planning scams etc. Of course, I am not going to pretend that there haven't been some awful cases featuring the most appalling rip offs. But for me, nearly three years after the bloodletting started the mid-term prospects for the market are starting to brighten. A host of the charlatan element has been eradicated and the shady operators have been forced to move onto easy picking pastures new. Sharp practices delivered by in those in sharp suits is now old hat, as clichd as the "bag of cash" purchaser.

The municipalities - the local Town Hall's - in places like Marbella have confronted their past transgressions. Under the intense spotlight of the world's media, they have been dissected by the microscopic investigations of sophisticated professionals, police and regulatory bodies. The legacy of greater transparency and accountability has been the result. After having their collective backsides kicked by regional, national and supranational governments - some even being carted off to prison for their sins - I am now - and frankly only recently - getting the distinct impression that the winds of change are blowing and drying the ink on the Town's strategy to revive Marbella and its image.

The certainty delivered to the real estate market by the extensive, and costly clean up, now means - and I believe this to be no exaggeration - that Marbella may now be regarded as one of the securest places in Spain to buy a property. I simply couldn't have said that three years ago.

The planning issues of the majority of previously questionable developments have been resolved - there is now clarity. Sadly for the owners of properties in those developments where it has proved impossible to regularise - and we all know which they are - the advice is simple - avoid them.

The effects of the turmoil in world banking post the sub-prime market collapse; have been felt in Spain as elsewhere. Along with most of the known world, the tendency to over value was widespread here and reached its peak in spring 2007.

The attendant borrowing that mirrored the swollen valuations and the subsequent decline in the market has left many Spanish lenders out in the cold. Let's not forget that they fought tooth and nail for market share, allegedly providing mortgage funds to anyone "with a pulse and a passport". I don't have huge sympathies but their marketing strategies worked - probably too well. The major Spanish Banks and Cajas (Savings Banks) have been left them with the Mother and Father of all hangovers.

The risks of Bank and Caja failure, state intervention and merger to avoid total meltdown have characterised the last two years in Spain. Mortgage and developer debt has been moved on and off the balance sheets of the lenders to protect share prices or parked in subsidiary companies.

The overwhelming sense is that despite the best efforts of the bank to portray "business as usual" the reality is that all was not well. A major cause of this continuing hiccup was the insistence of the National Bank - the Bank of Spain -under its operational liquidity rules that if a debt was declared by its lender as "bad" - or morosidad - then the declaring bank must place a deposit with the Bank of Spain. A major cost bearing in mind the amount of bad debt being held.

So the banks have tried to sell their seized real estate through branded on and off line sales operations. Let me give you a second to consider the farce that ensued with bankers playing estate agents...yes, I am sure you can picture it! The net result has been that they have conjured with all manner of incentives to induce a purchaser to take over the mortgage and buy a bank owned property effectively replacing a defaulting borrower with a new purchaser who appears to be a better risk. As you can imagine, in this way only penny numbers have been sold.

Fraught because of the sheer volume of great - but seriously overpriced - property stock, the banks have turned to certain long established real estate agents to help. This has resulted in the selected agents being allowed treasured access to the banks defaulted mortgage lists, cherry picking some of the regions primmest real estate and making it available at severely reduced, very attractive prices, to would be purchasers.

Here we need to import some reality. I am firmly of the opinion, that until relatively recently, a view prevailed amongst an interested market - particularly in the UK - that there was a clear possibility that you could get on a Malaga bound flight armed with a budget of ?75,000. On arrival the plane steps would be mobbed by property owners waiving details of their four bedroom villas in Golf Valley Nueva Andaluca and begging you to take it off their hands for the sterling equivalent of 62,000. Sorry guys....reality check number one. Even a burnt out ruin in Nueva Andaluca would have a land value in excess of ?75,000.

Realty check No.2 - in our current experience of distressed price, bank held real estate, we would confidently expect that you should not pay more than between 25% to 40% less than their previous selling price. We have many examples of two and three bed properties that had previous sales prices in excess of ?300,000 and ?350,000, respectively that should now cost you no more than ?220,000 and ?249,000.

May be something of a barometer is my own experience and interest. For many years my loyal readers will have been regaled with tales of my family's experiences in Spain. As a former lawyer, my interest has always been in advising, providing information and helping clients to assess and consider their actions. Even in operating my property services portal my main obsession was the quality of the advice and care and attention being received - the hand holding. I have testimonials attesting to the fact we provided a great service - and it's not really that difficult.

So recently when a couple of my colleagues and I were asked to join a team that had been operating very successfully in the Spanish real estate market for over twenty years, my concerns were that we'd have a clash of cultures.

I am delighted to report that we seem to have been using the same "song sheet" and the paramount interests of service and respect for client are ingrained in the business of Crest Group International (CGI) as they had been in my business. Moreover, CGI is a preferred agency partner for the majority of the banks and Cajas from whom great deals are being unearthed.

Over the course of the next few weeks my intention is to demonstrate to you that, as with most things in life, the presentation of bold facts result in the recipients needing to interpret their meaning without spin, pitch or motive. As far as I can tell I don't have a crystal ball but my senses are often correct. My assessment is that the answer to the question invariably lies in the hands of he/she who receives the information. Solid information and supporting data is the key! I intend to make available to you challenging nuggets of property intelligence from the Andaluca region which you can digest and evaluate and, who knows, you may wish to act on.

If you'd be interested to sign up to receive further information from our discrete property advisory service, please contact me on the following e-mail: mark at crest group international dotcom

Mark FR Wilkins 2010

11 Places to Find Home Health Care Aides

There are a few common places that many families use to recruit home health aides. The most frequently used sources are:

-Independent Living Centers

-Your doctor's office

-Nursing Schools

-Physical Therapy Schools

-Vocational Schools (Including Certified Nursing Assistant programs)

-A home health-care agency

-State Department of Developmental Disability or County Vocational Rehabilitation

-Ads in local newspapers/classifieds

-Bulletin boards at schools, community colleges, places of worship, etc.

-Word of mouth

-Craigslist.org

Centers for Independent Living (CILs) often provide training programs for home health aides. CILs assist people with disabilities to live independently and offer information on managing personal assistants and a referral service. As with any other referral service, you should check the references and do an extensive interview on personal assistants. Similar programs are offered in rural areas called programs for rural independent living.

Senior centers can also be valuable resources as many maintain a list of people willing to do attendant work. If you have sough medical attention in the past, your physician, social worker, rehabilitation therapist, or other medical staff may have information on home health aides.

You may also want to contact nursing schools in your area either directly or posting job listings on their bulletin boards. Nursing students are frequently looking to gain experience and will likely view your care needs very seriously.

In the case that you do not find an adequate connectingcaregivers.com home health aide, you can always use an agency. The employees provided by the agency are usually more trained. In the event that you PA quits or takes a leave, agencies provide immediate replacements. Agencies provide insurance coverage and benefits to their employees which contributes to a more stable workforce. The downfall of using an agency is that you do not have as much freedom to choose your assistant as hiring independently, and much of the time there are restrictions on the tasks that their HHAs can do. Agencies are often much more expensive than hiring independently.

Many people have been successful using Refugee agencies. You can offer training in English as part of a benefits package. They sometimes offer additional support and training.

Finally, word of mouth is a powerful recruiting method. Ask family members and friends who have sought care in the past. Ask them about their experience with the HHA, but remember to do your own research and background check on the individual.








For more information concerning respite care and home health aide please visit connectingcaregivers.com connectingcaregivers.com

How to Buy Foreclosed Homes in Today's Economy

There was a time in the not-too-distant past when finding a livable foreclosed home to purchase was nearly impossible. Particularly with the real-estate boom of the late 90's and the first decade of the 2000's, if an individual was no longer able to pay their mortgage for some reason, selling it was hardly an issue. With so many buyers in the market qualifying for loans much larger than would have been approved in the past, sellers were often in a position to make a large profit off of real estate investments in a very short amount of time. On the rare occasion that an owner was forced to foreclose on a home, it was usually because the home was in rundown due to structural damage caused by age or extreme acts of God such as earthquakes and floods.

Unfortunately for many, the real estate boom eventually saw a spectacular implosion. However, this has provided an opportunity for the savvy real estate buyer. Nowadays, any real estate search will inevitably yield at least a few foreclosed homes to choose from in your area. In some areas of the country, in fact, it is very difficult to find a home for sale that has not been foreclosed on because the market in those areas has dropped so drastically from its peak that most homeowners owe more on their mortgage than the home's current market value making holding on to the property untenable.

If a buyer is in the fortunate position to purchase a home with cash, he or she should consider purchasing a foreclosed home at auction before it is listed for sale to the general public. Since selling a foreclosed home in the traditional manner (i.e. using a real estate agent and engaging in the offer/counter-offer process) costs the owner (in this case the bank) a considerable amount of money, the bank is generally willing to accept less for the home if it is purchased for cash at the preliminary auction than if it is sold using the traditional approach. You can find the foreclosure auctions in newspapers, the websites of banks and government agencies. The listing will usually indicate the address of the home and the minimum starting bid.

Just like with any real-estate transaction, it is important that a buyer first secure the services of a real-estate agent to work on their behalf. Most banks will not deal directly with individual buyers and require that they have professional representation to streamline the negotiating process. In addition, many real estate agents often have first access to new real estate foreclosures prior to them being listed which still works well for the buyer.

Once the services of a credible agent have been secured, it is time to focus on the search for foreclosed property. The buyer can state their preferred area as well as the kind of house design that would interest them. Of course foreclosed homes are sometimes not in the best of conditions, as the previous owners had no incentive to continue their regular maintenance after they realized they were going to lose the home.

This is because foreclosure generally means a certain level of financial distress for the person letting go of the house. The mortgagor will sometimes have had to sell appliances, window treatments, and accessories from around the home such as drawer pulls and light fixtures in order to meet smaller but pressing financial needs. Because of this a buyer must not assume that every foreclosed home is a bargain. One must carefully assess a home's condition and compare the costs of rehabilitating it to a decent habitable state against the amount of money that will be saved on the purchase price of that home.

Once one finds a foreclosed home whose condition and price they are comfortable with, they must then prepare for the lengthy negotiation process with the bank. Bear in a mind that in an ordinary real estate transaction, the owner/seller is usually an individual and is selling only one home, meaning his or her response to an offer will be fairly fast.

In a foreclosure, things are very different. Remember that the mortgagee (i.e. the bank) is often managing dozens, if not hundreds, of foreclosure sales at any given time. Thus, the response time on an offer is often quite slow and the whole negotiation process could take several months. But if one lands on a foreclosed property that represents a real bargain, then the wait is always worth it. The key to successful purchase of foreclosures is patience, research, good professional representation (real estate agent) and of course money.








Wyatt Boustead has invested in real estate over many years and has also experienced the pains of foreclosure himself. After taking into consideration the difficult times we are living in and realizing that things will change for the better, he believes this may just be the right time for the careful investor to toBuyForeclosedHomes.com buy foreclosed homes.

Visit his website at toBuyForeclosedHomes.com toBuyForeclosedHomes.com

Are You a BUBBA? Home Buyer Unrepresented by a Buyer's Agent

Most people, whether in the real estate industry or not,have heard of the FSBO--A For Sale By Owner seller. The acronym has been used for quite awhile as there has always been a segment of the market that chose to sell their home directly to a new buyer. But, there's a new acronym being used by Realtors these days-- BUBBA or Buyers Unrepresented By a Buyer's Agent. It is making it's way into the real estate agent vocabulary because this market segment is growing.

In 2006, according to the National Association of Realtors 2006 Profile of Home Buyers and Sellers, nearly a quarter of all sales (23%) were BUBBAs. Although many of these home buyers did work directly with a builder or at a sheriff's foreclosure sale, 9% purchased directly from the home seller.

The internet is probably the most contributing factor to the growth of this buying segment. Buyers are certainly more educated--shopping on-line for as many as 6 months prior to making their house purchase. The homes are listed on the web. There are guides as to how to purchase a home. The whole process is less mysterious and seemingly simple that many self-educated buyers are foregoing working with a Realtor.

Are You Considering BUBBA? Before you move forward unrepresented, here are a few things to consider.

BUBBA can cost more. Buyer's representation does not cost anything. But can save thousands. When you sign a contract for buyer representation, your agent owes specific fiduciary duties to you to work in YOUR best interest. They are required to keep your information confidential. A Realtor does this as a profession, not once every 10 years like most buyers. They are experienced in negotiating a deal on a home that is in your best interest.

So how does a buyer's agent get paid? Every home listed in the MLS states a commission agreed upon by the seller with his agent to be paid to the buyer's agent of the particular home. Yes, the seller pays the fee for you to your agent.

But this does raise the question, "If I buy directly from the seller and he doesn't pay a commission, won't I get a better price?"

Probably not. Think about it this way, the seller set the price in the first place. If he is not working with an agent, how can you be certain that you received a good price on the home? And why would a seller, who doesn't know you, give you the savings he intended to pocket by not hiring an agent.

In this buyer's market, with so many different homes to choose from, it is easy to be overwhelmed in the purchasing process. What if the seller is has a charismatic personality who uses a three year old refinancing appraisal to set his price? Is it a good deal?--Probably not.

Buying a home is not as simple as walking into a discount store for a new computer...And that can be overwhelming. There are details to a purchase that many home buyers just don't anticipate. How old is the roof? When can we take possession after closing? Is the septic system in compliance or does it need to be replaced? Are there encroachments, like a neighboring fence or driveway sharing issues? Are there assessments pending and who will pay for them?

All of these are situations an experienced Realtor will try to anticipate and resolve in writing as the transaction moves toward the closing.

Some people are accidental BUBBAS. They start out in a "learning" stage...That time period of six months to years where they are "dreaming" of a new home but don't want to commit or be pressured into a contract. They wander into an open house and it is their dream home. Since they didn't have an agent when they first came in, they feel uncomfortable informing the seller that they want representation and just move forward without one.

As a Realtor, I try to coach potential clients into developing a relationship with an agent early in the process. If you want to see a home, contact that agent and sign a contract for a specific house. That way your interests would be represented, if the house is perfect for your family. But you would not be locked into a 6 month contract, if you are not ready to make a decision.

Before becoming part of this growing trend in home purchasing, do research and carefully consider your options. You may be giving up more than you think to when making the one of the most important financial decisions of your life.

Copyright 2007 Teri Eckholm








Teri Eckholm is a Minnesota Realtor with Keller Williams Premier Realty serving clients in the Twin Cities metro area for over six years. Selected as a 2004 and 2005 Super Agent by Mpls/St. Paul Magazine, her extensive sales and marketing background has allowed her to assist hundreds of clients move from across town and across the U. S. Find additional information on Teri and get a FREE relocation package at terieckholm.com terieckholm.com or visit her blog at mnrealestateupdate.blogspot.com mnrealestateupdate.blogspot.com

Preparing For a Nanny - What to Do When Using Nanny Care

It might finally be time to go back to work. Or work might be calling you, demanding more and more hours of your time, even while working remotely. No matter the reason, parents often experience a moment where they realize that as much as they would love to stay home and raise their child the demands of life - often those demands that are financial - require getting out there and jumping back into the workforce again.

For the right kind of care, the more one-on-one personal attention that you would hope to give your child personally, nanny care is definitely the best option out there. And there is a lot to be said for how effective nanny care actually is. This way, your child is able to socialize, but to not have to be exposed to a larger peer group where there are more negative influences. At the same time, your child gets a great deal more attention, and is not at risk for catching a nasty case of chicken pox or the flu from being around a room full of children who might not be getting the best care at home. For those parents who want to make sure that their children are healthy and happy, a nanny is often the best choice.

But where to start on the search for someone to help take care of your children? Some people opt for a quick call to a nanny agency, and while this is often a great choice, sometimes these days it makes more sense to go to an online nanny service and not pay high fees.

If you are going to be scheduling a nanny interview once you've decided on nanny care, it is important that you are thinking well in advance what you'd like to be asking. You can use an online nanny agency's hiring tools that include interview questions and reference check forms and nanny background check.

Once you've actually picked out the right child nanny, then it's time to get ready. If you are going to have a live-in nanny, then this means preparing a living space and figuring out how meals and other aspects of the job are going to work. If you are going to have nanny care full-time or just a few days a week, it means preparing your child for this.

enannysource.com/Nanny-Success-Kit.aspx enannysource.com/Nanny-Success-Kit.aspx








About the Author

Steve Lampert is the president of eNannySource, an online nanny agency that brings together families and nannies. Lampert has been helping nannies find nanny jobs and families find nannies. Steve has been in the nanny agency business since 1994. Prior to founding eNannySource in 2001 he ran a successful, award-winning nanny agency in a major city for over 10 years, during which time he worked with thousands of families and nanny candidates. Through this experience, he became familiar with the important steps in a nanny search, which he continues to apply to his business today. To find an excellent nanny or to find nanny jobs please go to: enannysource.com enannysource.com.

Thursday, May 1, 2014

Credit Debt Consolidation - How to Bundle Your Credit Debt Into One Then Eliminate 50%

If you have to accomplish twenty tasks in a day, you need to compile these tasks on a piece of paper. You may categorically distribute these tasks but all of them need to be written on a single page. How does it help? You get an idea of the time that will be required to accomplish all your goals. Similarly, credit debt consolidation is helpful as it reduces mental stress. As loan takers, we get an idea of the total sum which we have to pay and the total time which we have in hand. Banks encourage credit debt consolidation as it minimizes their losses.

It is very important to maintain a proper record of all financial debts. Have you been maintaining them? For instance, if you have a personal loan and home loan from the same bank, you need to main a separate set of records for each liability

Credit card problems are not easy to cope with. The unending telephone calls and reminders from the collection agencies are sources of severe mental torture. Credit card companies do not care about your financial conditions. They are only interested in claiming what you have spent along with the necessary interest charges. If you do not want to face any trouble from collection agencies, maintain a payment schedule and follow it. Pay all your installments on time and money granting firms will not create any problems for you.

However, the problem here is that people are not in a state to clear all their dues. If you are drawing a healthy monthly salary and can comfortably pay your bills, you don't need a settlement. People are running after credit debt consolidation agencies because they cannot pay large sums to the customer. In the United States, people are focusing on saving money. Most of them are unemployed and they need their savings to survive. If you are thinking that employed people are not facing any problems, you are wrong. Companies have changed their employment criteria. They want their employees to work harder for a lesser sum of money.

Credit debt consolidation has its negative factors as well. It is not as beneficial for the debtors as debt relief. A key negative factor is that you have to pay think. In other words, you do not get any eliminations or reductions. Have a look at your financial parameters and decide whether you can afford to pay a large sum or not. Why do people avoid debt settlements in the first place? This is because relief options contain a higher risk as compared to credit debt consolidation.








Getting out of debt through a debt settlement process is currently very popular but you need to know where to locate the best performing programs in order to get the best deals. To compare debt settlement companies it would be wise to visit a free debt relief network which will locate the best performing companies in your area for free.

Free Debt Advice [freedebtsettlementadvice.com].

How to Find the Right Home Health Care Agency

Marilyn is a 72-year-old widow who recently underwent heart angioplasty surgery. She is preparing to leave the hospital soon. But recovering from open-heart surgery is a long process, and her family knows she will need continued medical assistance once she gets home. The family must find a reputable home health care agency that can provide licensed nurses as well as aides to tend to Marilyn on a daily basis.

Finding the right agency can be a daunting task, but not impossible, says Tilly Gambill, Manager of Marketing and Communications for the American Association for Homecare.

"People often receive home health services following a hospitalization or care in other care settings. Often the hospital discharge planner or social worker provides information on home health agencies," Gambill says. "Ask the hospital for a list of home health care agencies in your community. In some communities, there may fewer available agencies. Physicians, friends, and family can recommend home health agencies, as well."

The family got 2 references from the hospital and one from a family friend whose father with hypertension and diabetes receives home care services weekly.

To help them select the right provider, the National Association for Home Care suggests asking the following questions:

Questions to Ask a Home Care Provider


What are the qualifications and experience?
How long has the agency been in business?
Is the agency evaluated and accredited by a governing agency such as The Joint Commission's Home Care Accreditation Program?
Is the agency licensed by the state?
Can the agency provide references? Ask for a list of doctors, hospital discharge planners and former clients who have experience with the agency.
How does the agency protect client confidentiality?
Is the agency inspected by any outside organization? May I see the results of the last inspection?
Does the agency perform a customer satisfaction survey? May I see the results of the last survey?

Questions About Caregivers


What are the credentials of the caregivers who work for the agency?
How does the agency select and train caregivers?
Do caregivers work directly for the agency? How are they supervised?
Are caregivers subject to criminal background checks?
Will the same caregiver be sent to my home for each visit?
Are nurses or therapists required to evaluate the patient's home care needs?
If so, what does this entail?
Do they consult the patient's physicians and family members?
Is the patient's course of treatment documented, detailing the specific tasks to be carried out by each caregiver?
Will the agency schedule care at any time of the day or night that my physician says is necessary?
Can the agency provide me with written information about the rights and responsibilities of the providers, patients and caregivers?
Whom should I call with questions or complaints? How will the agency respond?



Questions About Services Provided


Can the agency provide me with written information about the services available?
Is there a written plan of care for each patient?
Does the agency involve the patient and caregivers in designing this plan and educate them about the care provided?
How does the agency respond to emergencies? How long does it take to respond to calls?
Will the agency help me find other community services such as Meals on Wheels or homemakers services, or help find medical equipment I may need?



Questions About Financials


Is the agency certified by Medicare?
Is the agency approved or accepted by my insurance plan or supplemental insurance?
How does the agency handle expenses and billing?
Does the agency provide detailed explanations of all the costs associated with home care?
What resources does the agency provide to help me get financial assistance, if needed?








For more articles on caring for your agents parents, visit agingcare.com agingcare.com

How a Health Insurance Program is Implemented

One of the most comprehensive health insurance programs is that which provides insurance to the entire family. Here all the family members are covered under one policy. All medical care needs of a family are provided by this policy and by paying a small premium the whole family gets an adequate coverage. Prevention, prescription, hospitalization and comprehensive coverage are provided by family health programs.

Now, if we talk about the health insurance program of AIDS drug assistance, for the treatment of HIV/AIDS, free medications are provided. People suffering from HIV/AIDS get adequate support and they live longer as all the symptoms of HIV infection are treated by providing adequate drugs which otherwise are very expensive so that a common man cannot use the same. With a partial insurance, many people get lots of benefits in taking care of their and their family's health plan. Primary care services which are free at hospital outpatient departments, selected clinics, lab vendors and office based physicians are provided by these programs apart from primary care. The services include ambulance care for early intervention, ongoing treatment and medical evaluation. The health insurance program of HIV home care has played a great role by providing coverage for the services of home care. Home health aide services, medications, skilled nursing, intravenous therapy administration and durable medical equipment are provided by these programs when doctor orders for specific conditions. Through a happinesslifetime.com home care agency, services are provided which are enrolled in the program. Every single program has its own importance. Thus one has to carefully compare all the insurance plans that are available and choose the one that closely matches their needs.








More information health-insurance-program.com/how-health-insurance-program-is-implemented Health Insurance implementation | health-insurance-program.com/advantages-of-health-insurance Health Insurance advantage

Kinds of Nurses

Nursing is one of the most famous professions due to its increasing demand across the globe. Nurses are known to play a great role in the field of medicine and health. There are actually different kinds of nurses that do a particular job. Listed below are the different kinds of nurses:

o Registered Nurse (RN): They are the type of nurses that cover all areas of health care. Their tasks vary as well some of which includes: performing medical procedures, administering medication, monitoring vital signs, giving advise and support to the patients, informing the patients of their medical condition and the like. Registered Nurses are allowed to specialize in a particular area.

o Certified Nurse Assistant (CAN): They are also known as nurses' aides, home health aides or assistants, and parent care technician. They are usually employed in different health fields such as hospitals, nursing homes, adult care homes and private homes. Certified Nurse Assistants have lots duties which include recording the temperature of the patient, checking the pulse, monitoring respiration, assisting in meals, answering bell calls and even making beds. They also guide and assist patients to where they are going within the hospital. CNAs are usually under a Registered Nurse.

o Licensed Practical Nurse (LPN): They are considered to have less training compared to Registered Nurses but are also employed in a variety of health care areas. They are also able to work in hospitals, nursing homes and clinics. Their duties include monitoring the condition of the patient, administering injections, taking note of all vital signs, as well as applying dressings to injuries. They are also available to assist patients in terms of their personal hygiene.

o Critical Care Nurse: They are special kinds of nurses that specialized and work with patients who are seriously injured or diseased. They are usually assigned in the Intensive Care Unit (ICU) or Critical Care Unit (CCU). They take care and monitor patients who have serious diseases.

o Travel Nurse: These kind of nurses are the ones that travel from one place into another in order to provide immediate and short term support when the nurses are all busy. They are usually accepted full time when a nurses files for maternity leave. They may work for short periods of time but they are paid well. A typical assignment only lasts for about 13 weeks.

o Licensed Vocational Nurses (LVN) They have the same tasks like those of licensed practical nurses. They give particular medical services such as treating bedsores, treating bedsore, bandaging wounds and recording of vitals.

o Public Health Nurse (PHN): They are Registered Nurses that have specialized in a particular field which is community health. Going to community centers, homes, and schools are their job where they help and assist people with health concerns. They as cooperate with community organizers and work with health related isses.

o Nurse Practitioner: They are also Registered Nurses that were able to specialize in teaching and training. They are usually allowed to perform some tasks that are done by the doctors.

These are few kinds of Nurses available today. Nurses are the forerunners of health care together with the doctors. They try their best to save the lives of people.








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

How to Increase Value in Your Home For a Quicker Sale

If you want to know how to move your home faster, do the obvious... ask a real estate agent. These people are experts at knowing what prospective buyers like to see in their potential new home.

Things are tight right now in the real estate market when you're on the selling end. I have a family member who works for one of the top real estate agencies around, so I asked her what the average homeowner can do to raise the value of their home. Here are some professional tips that may entice those interested in your home to take a bite of the proverbial dangling real estate carrot.

According To The Advice Of My Sister The Real Estate Agent:

- Make your home ready to be shown at a moments notice and keep it that way at all times. This means living in a spotless and totally uncluttered environment that can be shown to a prospective buyer at a moment's notice.

- Make your lawn look its best. A well cared for lawn tells prospective buyers that the home is well cared for as well. It is the best first impression. Keep your lawn manicured and weed-free. Enhancing the visual appeal can help set the stage for a quicker sale.

- Fix the small stuff outside. Small things, like a stained driveway or a rusty old mailbox can stand out and grab the buyers attention, taking away from the more positive aspects of your home. Spending a little money to replace it will make the home look better overall. Buyers want a home that has been taken care of.

- Accentuate the positive. That means placing lighting in strategic places of the home, as well as the opposite. Use lighting to make the home not only look brighter, but to accentuate the best looking features. Use less lighting in problem areas such as the laundry room or the workshop.

- Clean the bathtub and shower head, and replace the toilet seats. It is suggested that prospective buyers actually look at the bathtub. Is it free of rust and rings? Does the shower head have hard water buildup blocking the water flow? Replace the toilet seats to give the impression that you are a stickler for upkeep.

- Paint your heart out. Nothing adds immediate value to a home better than a fresh coat of paint. Making your home standout also helps it sell faster.

- Keep food preparation and storage areas spotless at all times. Rearrange the storage pantry so that large items are behind small items. Make sure the appliances are clean and in good working order. Replace any peeling wallpaper and make sure the grout is up to date and clean.

- Make the home look inviting. If you are expecting a buyer, light a lightly scented candle just before they arrive.

Follow these tips to enhance the value of your home and lead to a quicker sale.








Robert Kilonzo is a User Education Manager for MDJustListed, a real estate firm specializing in Columbia Md, Baltimore Md, and surrounding area real estate. To find out how MdJustListed can help you buy or sell your next home, check them out at mdjustlisted.com mdjustlisted.com.

Top Questions to Ask When Working With a Home Health Care Agency

When you are dealing with a home health care or home care agency, it is very important that you ask the right questions so that you can accurately determine whether or not they are the right company for you and your home health care needs.

1. How many years has the agency been in business?

2. Does the agency require criminal record background checks, child abuse background checks and communicable disease screens for its employees?

3. Is the agency a state-licensed home health agency?

4. Is there a written plan of care that the consumer, the family and family doctor participate in developing?

5. Is all care provided documented, defining the specific tasks to be carried out by the agency employee?

6. What are the agency's fees for a nurse, aide or companion?

7. Will the agency keep the family updated on the consumer's progress?

8. Does the agency furnish written statements explaining all costs?

9. Will the nurse, aide or companion always be the same person?

10. What happens if the scheduled employee calls off?

11. Are employees available 24 hours a day, 7 days a week including holidays?

12. Can the agency provide a list of references?

13. How do I communicate with the nurses, aides, companions, and/or agency after normal business hours?

14. What are some of the things that I can do to help my loved one deal with the adjustment of being cared for at home or having a privatecareresources.org/medical_home_health_care.html home health care agency, companion, or aid help with their care.

Wednesday, April 30, 2014

How to Buy Home Insurance Online

How to buy home insurance is important to know since it is necessity that every property should have. But all insurance coverage is not the same, it differs in policies and protections and on cost as well. Homeowners always want to have the best coverage for their home with lesser cost or rate.

Although most of the plans have different standard packages such as HO-1 which is the basic or standard, the Ho-2 which is more on comprehensive types and the Ho-3 which have more coverage and protection. But most people always watch their budget due to the fact that things are going up, so more expenses with less money.

Usually the cost of homeowner insurance often depends on what would be the cost to replace the house. Some have additional items to insured such as valuable possessions. Insurance policy is a lengthy contract with names and benefits you can get. It requires the name of the occupants or insured, age and their names of family who live within the house if any.

Remember that insurance is a term contract that effect for fixed of period of time and it is also renewable. The insurers have to pay the premium each term. There are also home insurance who offer full coverage with higher cost of premium. Some home insurance offer lower cost but of course with less coverage too.

In order to get a lower cost of homeowners insurance, one must install some devices in their home to lesser their premium rates such as theft alarm, sprinkler, fire alarm, hurricane shutter or if house is near the fire station. Actually you can save money on your home insurance if you know. Most of the discount is available for a variety of reasons such as type of material used to build, how close your house to fire station, etc.

Since are lots of insurance companies offer home coverage and most of insurance companies having their own strategies to gain client or customer. Some give discount, some have lower cost on their premium, some also add some coverage to their insurance policies.

You can also purchase your coverage from a company where you have your auto insurance were for sure you can get a discount.

Before purchasing insurance for your home, get home insurance quotes by shopping around or if you want an easy and fastest way, you can get free home insurance quotes online through the internet.

In fact you can also purchase home insurance online as well. Always be careful in purchasing your home insurance or you will run into future problems with your insurance policy. Choose insurance company that have reputable record and been having in this type of businesses for a long year.

Never purchase your home insurance through the homeowners insurance agency, instead directly to the insurance company of your choice and don't hesitate to ask any question if you don't understand.

As customer or client, you always have the right to ask question of things you don't understand especially in regards to their insurance policy. Always compare the rate and coverage of your best choice for your home insurance.

Remember to investigate the insurer's background before buying your homeowners insurance. You can also ask your friend or relatives for recommendations if you like and never hesitate to ask for a discount.








You can find a more detailed process for howtobuyhomeinsurance.org how to buy home insurance on a specialty website like howtobuyhomeinsurance.org howtobuyhomeinsurance.org. They even offer free quotes which allow you to compare companies from the comfort of your own home.

Click on the links above to learn more.

Start a Nursing Agency and Have a Chance to Explore More of Your Opportunities

The nationwide crisis for nurses is really alarming. The fact that this will continue to intensify yearly would mean undermining the quality of patient care. The root cause of the problem begins at nursing schools where they build future nurses. Due to weak financial help from the government, thousands of qualified applicants are being turn away at nursing schools and universities because of lack of pool of faculty.

We have to face the truth that we will have increasing nursing shortage for the upcoming years. A significant percentage of nursing staff nationwide are entering retirement zone, thus, making more vacant positions and creating more jobs for nurses. However, there are only few nurses who will be taking their spots. Aside from that, 76 million baby boomers will start ageing by the end of this decade. These baby boomers will be in need of more nurses. Unfortunately, we only have few of them. Due to these factors, need of nurses is really intensifying.

Hospitals and nursing homes wanted to improve their health care services. They doesn't want patient care to be of substandard, thus, they turn into nursing agencies for manpower. Nurses coming from these agencies are known to be dedicated and hard worker. Aside from being educated and registered nurses, they must be well-experienced in their field.

Starting a nursing agency is every entrepreneur and self-employed desires now. Everybody wants to tap into this multi-billion dollar industry where there will always be shortage of nurses. Starting a nursing agency is your chance to explore more of your opportunities.








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

What You Must Know About Becoming A Certified Nursing Assistant?

A certified nursing assistant is under the jurisdiction of licensed practical nurse or registered nurse. A CNA is a part of the healthcare professionals but the scope of work is lesser as compared to licensed practical nurse and registered nurse. If you are interested about this career you should attend some training to meet the qualifications set by the local jurisdictions. Seventy-five hours classroom experience as well as twenty hours clinical training is required in a training program. It is important for candidate to meet the requirements in order to obtain certification.

Certification

The certification as certified nursing assistant is very important in looking for a job. However, it is not that easy to acquire the certification because there is a need to pass the examination as well as the training in healthcare facility. In some cases, the certification is given according to the environment of employment by the applicant. This means that if the applicant wants to work in nursing home the certification will be for the specific employment alone. On the other hand, after the certification is granted it is still required to comply with another set of training every year. This is to know if the certified nursing assistant is still well versed about the techniques and procedures to ensure efficiency of giving care to patients.

CNA Course

In order to become a certified nursing assistant and obtain the necessary certification, you should contact the association of local nurses in your area. In this way, they can give you ideas about the agencies and institutions where you can attend formal training. You will also know the necessary program for CNA courses.








If you want to know about cnaduties.com CNA duties, then you should check out cnaduties.com cnaduties.com

Adopting A New Pet

Adopting a pet is a wonderful way to get a new pet. There are many pet adoption agencies throughout the United States. These agencies provide homes for pets who have been brought in from humane societies, animal rescues, and animal shelters. Some of these pets have been mistreated by their owners or have gotten lost and have not found their families.

Many pet adoption agencies are working over time to find a positive solution for America's dog over-population issue. These agencies work hard to find adoptable pets so they can be provided with loving and caring family homes.

Many agencies have websites where potential pet parents are able to search for possible pet candidates without having to go to the noisy and chaotic locales. On these websites, people are able to search for their preferred dog (or cat) breed, age, sex, size and even the specific organizations where the pet originally came from.

The pages list photos of the animals, their names, where they are from, and information about them, including pet preferences. Most of the listings say things such as: "Bingo is a fun-loving puppy who loves to cuddle on the couch. He has been neutered and vaccinated. He does not prefer living with cats but loves children. He would prefer to find a loving home with previous pet owners, in the north metro Atlanta area."

If you are not interested in adopting a pet, but would love to help, most animal adoption agencies accept donations. They also love to have regular volunteers to help with things such as pet adoptions, fund raising events, administrative support, and marketing. Also, many programs seek people to simply come and play with the cats or dogs for an hour or so. This is especially helpful because many pets who have been homeless or mistreated in the past savor any time that is spent with loving humans.

Pet adoption agencies also provide help and support for families who have recently adopted, or who are seeking to adopt. They give advice on how to choose a dog that suits your family, house-training, separation anxiety, basic obedience techniques, introducing new pets to walking on a leash or adjusting to additional pets in the home.

There are many benefits to adopting previously owned pets. If you adopt, you are giving a cat or dog another chance at living in a happy home with committed parents. Many animals who have been adopted also tend to be more loving to their new families. Some may be tentative and cautious at first, but with time, you will have an adorable new pet who seems to realize you have rescued him from his previous fate.

The satisfaction of knowing you have helped your local society by adopting a pet will be a great reward, not to mention gaining a new pet who is perfect for your family. Adopting a pet is a lifelong commitment that would be hard to regret. These unfortunate pets need the chance to join loving families who will care for them. It's always an option: consider adoption.








Jane Redding is freelance writer for discount-pet-mall.com Discount Pet Mall a site featuring discount-pet-mall.com/pet-supplies/elevated-dog-feeders raised dog bowls and discount-pet-mall.com/pet-supplies/dog-beds pet beds.

How to Avoid Accommodation Rentals Scams

Some of you might have heard stories of private accommodation rentals that do not look the same in photos, or even worse, do not even exist. Hence, if you're thinking about booking that rental in Hawaii, ensure that you do not get scammed. Do not shell out your money upon the first accommodation rental you chance upon. Do not fall for the most promising advertising or the most enticing picture either. If you want to protect your money while enjoying the rest of your vacation stay, read on to get some tips and advice.

First of all, work only with licensed and reputable agencies. Such agencies can be located on the accredited business practices bureau website. In general, a credible agency will post their address as well as phone number on their website. You might even want to ask them for their agency license number to check if they are real. Be wary of those "anonymous" agencies - in a way, they might only be avoiding tax collectors. Nevertheless, for your own peace of mind, steer clear of these websites. Confirm if this agency guarantees the rental, and not only indicates the owners' information on their website.

The next step is to find out where your reservation deposit goes. You shouldn't mail your deposit through any kind of money transfer system that couldn't possibly be traced to a personal account. Another option is to pay using a credit card or via PayPal - if ever a dispute occurs, you can easily recover your funds.

A wise client knows that a binding contract is already iron clad evidence against potential scams.  Have the rental owner sign in the contract as well and if you can afford the presence of a legal expert, then that's much better. If you prepare a contract beforehand, be assured that you are able to protect yourself against possible troubles. In the worst case scenario, you can chase after the scammer and file a corresponding lawsuit.

In addition, you should never make a reservation online. Keep in mind that nothing is secure in the virtual world. By calling in and directly talking to the person in charge of the rental, you are being prudent and cautious. What is more, by calling the person in charge, you are already verifying that the particular rental exists. You can similarly present your questions and other concerns to the person you're talking to. Ask pertinent questions such as when did the rental business start, what is the background of the owners and look for other references and referrals.

Again, you can never be too careful. Purchase travel.happinesslifetime.com travel insurance for yourself. The more legal documents you have, the more safeguarded and foolproof you become.

The important thing is that you conduct your own research. You can Google the rental property as well as the property's owner on the web. Unless the site is on the list of blocked properties, they will appear on the listing of White Pages. When owners of an accommodation rental give you their references and referrals, do not forget to verify them yourself.

It is unfortunate that a lot of scammers use popular websites to prey on possible victims. Do not let your guard down even if you are in front of the computer screen. Keep in mind that the virtual world is never ever secure. Nonetheless, once you find that reliable rental property, by all means enjoy your stay. Just get this word out and help others out of harm's way.








Slava Kandakou is Managing Director at Golden City Rentals Inc. - licensed agency in British Columbia, Canada that specializes in goldencityrentals.com furnished rental accommodations and provides peace of mind to both homeowners and guests. For more information on Golden City Rentals, visit goldencityrentals.com goldencityrentals.com

Tuesday, April 29, 2014

Fannie Mae & Freddie Mac - Trying to Increase Neighborhood Values?

Yesterday, I drove past a very nice home in my own neighborhood, in Old Town Scottsdale. I know this home was a short sale previously because I had 2 buyers who both liked the home. It was well kept, up to date- the downside for my clients- it had 3 OFFERS! So I assumed this short sale would be accepted. However, to my surprise, a friend of mine's sign popped up yesterday! He only sells foreclosures. At that point, I knew the lender had foreclosed instead of accepting the short sale offers.

So I shot him an email, funny enough, we went to grade school together. His entire business is foreclosures. He works for the big guys, Freddie Mac, Fannie Mae & smaller private banks. He is a superstar of foreclosure sales, I mean to work until 1am to keep these institutional clients happy is a huge task!

He told me that this particular home is owned by a smaller private lender. I commented on how I knew the home had 3 offers when it was a short sale. This started a pretty in depth conversation.

It appears that the smaller lenders are willing to "let" these homes go to foreclosure and then sell them cheaply to make more money from the mortgage insurance company. The more the smaller lender loses- the more they make in payment from the mortgage insurance company. They don't care what price the home sells- they just want it sold in 15-30 days! This doesn't surprise me at all!

However, this did surprise me. Fannie Mae & Freddie Mac- government run agencies are trying to preserve neighborhood values by replacing carpet and appliances and selling the homes for a higher price. Thus helping the neighborhood values not become depleted. This actually does fit with many of the neighborhood stabilization programs the government has talked about, but I hadn't seen in action. I was so pleased to hear that this was actually happening.

While I show many of these foreclosed homes to clients- they are not all fixed up- so from my viewpoint- their mission didn't seem as clear. However, my Realtor friend that stays up until 1am- working for these agencies- sees their mission everyday! He told me it is their goal to sell these foreclosed home for good values. So Freddie Mac & Fannie Mae replace carpet, appliances and restore these homes to sell them for a higher value. This means the majority of foreclosure sales should be keeping with current neighborhood values- rather than as typically thought- driving down the neighborhood values. This is all good news for real estate!








Charlotte Allred is the Designated Broker for Secure Real Estate in Chandler Arizona. Secure Real Estate works to help Sellers who are struggling with their home as well as Buyers to find their new home. We pride ourselves on the utmost professionalism and bringing significant knowledge and thus value to our clients. Please see this article at: securerealestatephoenix.com/real-estate-education/fannie-mae-freddie-mac-trying-to-increase-neighborhood-values securerealestatephoenix.com/real-estate-education/fannie-mae-freddie-mac-trying-to-increase-neighborhood-values/ Check out our videos & articles at: securerealestatephoenix.com securerealestatephoenix.com

Internal Displacement In Burundi And Somalia: Comparison Of The Institutional Responses

COMPARING THE INSTITUTIONAL RESPONSES OF INTERNAL DISPLACEMENT IN BURUNDI AND SOMALIA

INTRODUCTION

This term paper examines the institutional intervention and responses in managing the problem of internal displacement in Burundi and Somalia. The main focus of the term paper is to compare and contrast the intervention strategies employed in order to identify the specific institutional challenges in terms of the successes and failures peculiar to each of the states under reference. This is instructive to help facilitate future response strategies and develop an action plan for the management of IDPs crisis. This paper also aims at illustrating the need to prioritize economic recovery in Burundi as a requirement for creating a peace dividend and maintaining stability. In addition to this, it underlines the fact that early economic recovery is also of critical importance. In order to situate displacement in Burundi and Somalia within a broader context, it is important to first discuss the global IDP crisis and international responses to it. Two sets of issues in this context are raised: first, the tensions between international action and sovereignty in the context of the emerging international IDP regime, and second, the pitfalls of humanitarian assistance programs in opening the way for the construction of new forms of power relations regarding displaced groups.

One of the world's most acute and growing problems is the increasing number of internally displaced people. This phenomenon is a direct consequence of the spate of internal violent conflict; gross human right violation; endemic situation of famine and drought; the barbarism of xenophobia and genocide; natural and environmental disaster; all of which are re-occurring in quick succession especially in Africa. But this does not necessarily imply that other parts of the world (Europe, Asia and America) are not engulfed in the displacement generating phenomenon. In fact, the 2010 flood in China which left no fewer than 250,000 people displaced; the flooding in Pakistan which seemed intractable; the several earthquakes in the United States; all these are evidences to show that no part of the world is left out. Again, since the end of the cold war, especially in the past two decades, the occurrence of displacement inducing situation has increased in an unprecedented manner. What makes the situation peculiar in Africa is that the entire displacement generating situations are directly or indirectly related to violent conflict. And this again in the final analysis is as a result of the political pervasiveness of the African political elite.

Violent conflicts had caused massive displacement in Burundi and Somalia. But institutional responses at managing this displacement have taken different dimensions and effect. When compared to Somalia, Burundi has recorded a positive effect in terms of managing the crisis of displacement. Burundi and Somalia represent two distinct states where institutional responses (both international and national agencies) in the management of internal displacement have generated a lot of positive and negative effects. Fighting in Burundi has abated since 2000 even though the Burundian government is still grasping with post conflict reconstruction and resettlement. But Somalia is still enmeshed in fighting, such that the question of whether or not Somalia is a failed state is a matter of semantics. Pursued further, the situation in Somalia till this moment raises doubt about the nature and status of the displaced. In fact, the Somalia experience is that of, not just the crisis of displacement, but the impending crisis of statelessness.

DISPLACEMENT IN BURUNDI

The security situation in Burundi improved markedly after the last rebel group in the country laid down its arms at the end of 2008, and no new conflict-induced displacement was reported in 2009 (IDMC, 2010). However, up to 100,000 internally displaced people (IDPs) remain in sites in northern and central Burundi. Most of them, displaced in the 1990s or early 2000s following inter-ethnic rivalry and fighting between the government and rebel groups. This situation generated a lot of IDPs, most of whom, forced out of their homes and displaced within their own country. Many crossed the borders into neighboring states as refugee, but those who could not remained victims of their own social environments. Since the end of the conflict, the Burundian government have tried to resolve the challenges of internal displacement. But as it is always the case, the share numbers and resources required to respond to the challenges have overwhelmed the institutional capacity of the government.

Part of the problem faced is the land distribution. The majority of IDPs do not own their houses and land in the sites, but live on state-owned, private or church-owned property, and this had caused disputes with the original owners. Informal transactions take place but often lead to disputes as the same parcel of land can be sold a number of times without being registered. A comprehensive land law has been drafted which should apply to rural areas (until now regulated by customary law) as well as cities, but as at 2010, it had not been enacted. Since 2006, the UN Peace Building Commission has worked with the Burundian government to support post-conflict recovery, including the recovery of people affected by the country's internal armed conflicts. One promising initiative developed by the Burundian government together with UN agencies and donor governments is the construction of villages where IDPs can resettle, along with landless returnees and other vulnerable people (IDMC, 2010).

NATIONAL AND INTERNATIONAL RESPONSES

In October 2008 a cluster approach was formally introduced in Burundi (OCHA, website, accessed 8 October 2009). The situation in Burundi is a rather complex one: the humanitarian actors are in the phase of leaving Burundi and there is a strong presence of development actors in the country. Moreover, the government had set up its own national framework pertaining humanitarian assistance. The Humanitarian Coordinator proposed to implement a tailored cluster approach, but coordination between the various actors remains extraordinary heavy. There is for instance no overarching Protection Cluster in place. (Communication with NGO (anonymous), October 2009). Furthermore, an ad hoc Integrated Commission for Repatriation and Reintegration which constitutes a UN-Government-Donors strategic forum under the chairmanship of the Minister for National Solidarity, Human Rights, Gender and Reconstruction was set up. "With the establishment of the Integrated Commission the important strategic links between the early recovery and protection objectives towards sustainable solutions have become even more apparent." (BINUB, 28 October 2008,). These early recovery and protection objectives are therefore included both in the UN repatriation and reintegration theme group under the UNHCR and UNDP leadership.

INSTITUTIONAL RESPONSES TO DISPLACEMENT IN SOMALIA

The collapse of the Somali state has its root in a military coup in 1969, led by General Mohamed Said Barre. He installed a dictatorial regime, whose divide and rule policy succeeded in polarizing grievances into the clan-based wars and eventually splintered its own support-base. In 1991, the state collapsed and Barre was overthrown. Thereafter, the country descended into a full-fledge civil war and remained without an effective central government for years. Various warlords fought over the control of key resources, embedded in the capital Mogadishu, port-towns, and the fertile lands between the Juba and Shebelle rivers. As fighting continued into 1993, the UN deployed its largest ever peacekeeping operation (UNOSOM II). It operated without the consent of the parties within the country and ended in fiasco; the UN's seriously misjudgment culminated in the killing of hundreds of Somali civilians and dozens of foreign peacekeepers in Mogadishu

Somalia has not had a functioning government since that of Siad Barre fell in 1991. Local and international efforts aimed at building a stable government have since been unsuccessful. Over 14 peace processes have been conducted to establish a broad based government. However, despite this effort, Somalia remains in 2010 a failed state and one of the most insecure places in the world, with an unprecedented humanitarian crisis. Tracking displacement in Somalia is particularly difficult as virtually all Somalis have been displaced by violence at least once in their life. In addition, many IDPs are dispersed or living unplanned settlement alongside destitute rural and urban populations rather than in camps.

COMPARISON OF RESPONSES STRATEGIES IN BURUNDI AND SOMALI

The major cause of displacement in Burundi and Somalia had been violent conflict. But conflict had since abated in Burundi where as Somalia is still very much enmeshed in civil war. Again, it is also instructive to understand the nature of the conflict that engulfed both states. This would make for proper analysis for the mitigation technique employed to mediate and bring about peace. The Burundian conflict took an ethnocentric dimension. Even though it is generally agreed that the political elite took advantage of the ethnic differences in Burundi, and built reveries on ethnic sentiments, the ethnic differences (though largely created by the political orientation) by itself, fueled the conflict. But Somalia is a homogeneous state with; broadly speaking; the same language, ethnic configuration, religion and historical experience. So conflict in Somalia was by all measure a political reverie. Apart from conflict, the Somali state has also recorded a large number of internal displacements due to drought. In fact, Somalis are traditionally nomads such that many Somalis have developed a coping mechanism to displacement.

Many Somalis have been born and socialized into a situation of displacement. The Burundian national government has been totally involved in the management of IDPs. But the Somali government which was inaugurated four years ago in Nairobi, Kenya, has no base in Mogadishu thereby lacking the capacity to mobilize humanitarian resources. Burundi ratified the Great Lake Pact; signed the Arusha Peace agreement; and ratified the Kampala Convention. All these documents provide both the institutional and legal framework for the protection and assistance of the internally displaced. But Somalia still suffers the fate of being a failed state despite efforts by the international community to bring the crisis in the state to an end.

International humanitarian aids mobilized to assist the displaced had been largely managed effectively by local based NGOs and community organization in both states. In Burundi for instance, apart from the direct intervention of UN agencies such as the UNHCR, the WFP, UNICEF etc, international organization collaborated with local based NGOs for the distribution of relief materials. This has also been the case in Somalia where the local community organizations are largely involved in the management of resources. And this strategy has been very effective in both countries. In fact, most Somalis still live on foreign aids and there seems to be no reason suggesting that this situation will not continue for a long time.

Most aid agencies have discussed suspending operation in parts hit by mounting insecurity and a recent wave of assassination targeting senior local humanitarian workers (Reuters, 22 July2008).

Somalia is among the few countries where the cluster approach has been activated and implemented. Currently, there are seven operational cluster: agriculture and livelihoods; food; education; shelter; health and nutrition; water and sanitation; and protection. The cluster approach was formally adopted in July 2006, its operational implementation in Somalia did not commence in many areas of the south-central until early 2007. This was attributed to problems of access and increasing insecurity in most parts of the country, planning challenges given the unpredictability of the situation, and insufficient and inconsistent field staff presence in southern Punt land and South-Central Somalia. If the security situation improves, a review of staffing will be necessary to ensure that the field presence can achieve proper coordination.

UN agencies such as UNICEF, UNHCR, WFP, as well as international actors such as the Norwegian Refugee Council, Gedo Health commission, ICRC, etc try and provide much needed assistance in the areas of health care, education, food aid, shelter and sanitation, and protection to IDPs in various location albeit on a limited scale. However, a UNHCR evaluation team found in 2007 that agencies and NGOs were largely operating according to their separate mandates, with limited coordination, only minimal common needs assessments or mutually agreed priorities, varying target regions, and multiple beneficiaries (UNHCR, Sept. 20007).

CONCLUSION

The absence of lessons learned and applied suggests that in the Somali instance at least, there may be an inverse correlation between the integrity of humanitarian action and the willingness to identify relevant lessons, on the one hand, and the political profile of the conflict on the other. The design and formulation of preventive, remedial and developmental policies and programs for displaced populations, taking into account, wherever possible, the complexities and particularities of each displacement, including viewing them from a gender perspective and giving priority to those in most urgent need, in accordance with the principle of impartiality is the only meaningful way to resolve the problem of displacement.

By avoiding to address the causes and history of displacement, the developmental discourse circumvents issues of core aspects of post conflict peace-building such as reconciliation; justice and accountability are simply untenable. While the African Region has taken initiatives to remedy the situation of IDPs (through the initiative of the AU Convention on the Protection and Assistance of Internally Displaced Persons), it has done so without a public acknowledgment of its responsibility. Re-establishing trust between IDPs and the African state remains an urgent task. The Representative for the Human Rights of IDPs, Walter Klin, recently emphasized that remedies which states "owe to victims of human rights violations are not limited to 'rehabilitation, restitution, compensation and repair' but also include 'satisfaction' (which includes an element of justice, such as full disclosure, apology, and, particularly, imposition of judicial and administrative sanctions on those responsible)."

REFERENCES

Barutciski, Mark. "Tensions between the Refugee Concept and the IDP Debate." Forced

Migration Review 3 (1998): 11-14.

Cohen, Roberta and Den, F. Masses in Flight: The Global Crisis of Internal Displacement,

Brookings Institution, Washington DC, 1998

Deng F. "Dealing with the Displaced: A Challenge to the International Community", Global

Governance, vol 1, no 1, 1995

IFSW "The Ethics of Social Work - Principles and Standards", Berne, Switzerland, 1994

Hampton, J. (ed) Internally Displaced People: A Global Survey, Norwegian Refugee Council

and Earthscan Publications, London, 1998

Korn, D., Exodos Within Borders: An Introduction to the Crisis of Internal Displacement,

Brookings Institution, Washington DC, 1998

United Nations High Commissioner for Refugees (UNHCR) "The State of the World's

Refugees", UNHCR and Oxford University Press, Oxford 2000

UNHCR, Internally Displaced Persons: The Role of the United High Commissioner for

Refugees, Position Paper, Geneva, March 2000

Tips For Getting a Home Improvement Loan Grant

Living on a tight budget doesn't mean you can't improve your home. A home improvement loan grant from the government may be the perfect solution and most American citizens are eligible to apply for one. Here are a few tips for getting a home improvement loan grant from the government that you should keep in mind.

Some home improvement loan grants are based on income level and ability to qualify for a loan. Many low income families may meet this qualification. Other grants may be based on geographical location and many times rural locations are given preferential treatment. Some home improvement loan grants require that you own your home and that you will not be selling it for a minimum of three years. Elderly home owners may qualify easily if their home needs improvements or renovations to adapt the home to a medical condition. Always read the qualifications of the grant for which you are applying to save yourself time, effort and unnecessary paperwork. You don't want to apply for a grant if you don't meet the basic qualifications.

Some grants require that the home improvement to be done be in a certain area of the home or that the improvement is designated to a certain aspect of the home. A valid reason must be given for the home improvement in question. Home improvement loan grants for the elderly are a good example of a valid reason to do a home improvement. Other valid reasons for receiving a home improvement loan grant may include making your home more energy efficient or to have old and dangerous construction supplies such as lead paint or asbestos removed from your home.

Find a grant for which you feel you have the best chance of qualifying. There tend to be many rules and regulations for compliance, but following those application rules to the letter will ensure you the best possible opportunity for receiving your home improvement loan grant. If you have questions concerning the application process, don't be afraid to ask for help from the appropriate governmental agency or local government.

One useful tool is a grant guide that can be borrowed from the library or purchased from your local bookstore or through the internet. A grant guide will give detailed instructions and information about home improvement loan grants, but it will also give you ideas of other grants for which you may qualify. In order to make the most from your grant guide purchase, be sure to buy the most current copy available as they may be updated every 6 to 12 months.

These tips for getting a home improvement loan grant could have you well on your way to the home improvements you want or need to make. Although grants are free money and do not require repayment, you can't afford to be sloppy with the application process. Attention to detail is vital. Most home improvement loan grants don't require contracts like loan companies do, but thoughtful and careful documentation is necessary for success. Be confident, plan carefully and a home improvement loan grant could be in your future.








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