Saturday, May 10, 2014

Mortgage Refinancing - 3 Tips to Help Your Save When Refinancing Your Home Loan

If you are in the process of mortgage refinancing, there are steps you can take to avoid overpaying for your next mortgage. By focusing on several key areas of your finances you will not only qualify for a better mortgage rate, but will pay less in lender fees and closing costs. Here are three tips to help you avoid overpaying for your next greeneasylife.com mortgage loan.

greeneasylife.com/LoanCalculator Mortgage interest rates are still very low and many homeowners, especially those with risky Adjustable Rate greeneasylife.com Mortgage loans are choosing to refinance their home loans. If you're thinking about taking the plunge and getting a new mortgage, comparison shopping will help you find the best mortgage offer.

Mortgage Refinancing: Check Your Credit First

Having mistakes or negative information in your credit reports will devastate you credit score and the mortgage rate you qualify for. Before you apply for mortgage refinancing it is important to request copies of your credit reports from each of the three credit reporting agencies and carefully review your records for mistakes.

Mortgage Refinancing: Save Your Money

When you refinance your greeneasylife.com mortgage loan you'll be required to pay closing costs. The origination fees and closing costs you pay can be as much as 3% of your loan amount so it is important to have this cash on hand to avoid mortgage refinancing delays. The more cash you have on hand when applying for mortgage refinancing, the better your application appears to the lender.

Mortgage Refinancing: Shop Smartly

Careful comparison shopping will help you avoid the majority of mistakes homeowners make when mortgage refinancing. Make sure you comparison shop from a variety of mortgage lenders and compare loans by requesting the Good Faith Estimate from each lender before you submit your application. The Good Faith Estimate allows you to do a line-by-line comparison of all the fees and interest rates associated with each mortgage offer. Don't get hung up just on the lowest mortgage rate; you'll need to consider lender fees and closing costs to make an informed decision.

You can learn more strategies for mortgage refinancing while avoiding costly mistakes by registering for a free mortgage tutorial.








To get your free mortgage tutorial visit RefiAdvisor.com using the link below.

Louie Latour specializes in showing homeowners how to avoid costly mortgage mistakes and predatory lenders. For a free copy of "refiadvisor.com Mortgage Refinancing - What You Need to Know," which teaches strategies to find the best mortgage and save thousands of dollars in the process, visit Refiadvisor.com.

Claim your free mortgage refinance information guide today at: refiadvisor.com refiadvisor.com

refiadvisor.com/pblog Refinance

A Brief Long Term Care Insurance Comparison

Many elderly people need assistance when they are no longer able to take care of themselves because of health-related issues. They may need help with personal care at home or more advanced medical care in a skilled nursing facility. Many organizations are available for help and they include home care agencies, adult day care centers, retirement communities and so on. All of these facilities charge for their services and are not always affordable to the average American. That is why it is so important to do a long-term care insurance comparison before a serious health issue surfaces.

All long term care policies vary in their costs and coverage levels. They assume many of the costs that are not covered by Medicare. Some provide limited home care benefits in addition to skilled nursing care. That is why all policies should be reviewed carefully before purchase. Most policies pay a fixed amount per day while a person is confined to a nursing home or is a patient in a personal care facility. This fixed amount pays all or some of what the daily charges are in these facilities. Payment of policy benefits also vary from policy to policy. Some benefits begin on the first day of a nursing home stay or when Medicare benefits end or when the required elimination periods (number of days that insured must pay before policy benefits are paid) are satisfied. Of course, policies that start paying on the first day are more expensive than policies requiring an elimination period.

All policies have restrictions attached to them. Common restrictions include prior hospitalization before skilled nursing home care is paid by the policy. Other policies require an elimination period before home care can begin. In others, a pre-existing condition can delay coverage for six months following the effective date of the policy. Some policies offer shorter waiting periods for pre-existing conditions and that is an important consideration if you are in poor health. Some policies require that a physician approve a nursing home or home care in order to assure that the coverage is not just for convenience purposes. These and many other components need to be looked at when doing a long term care insurance comparison.








Click here to see a long term care insurance comparison - long-term-insurance-advisor.com/islongtermcareinsurancenecessary.html long term care insurance comparison.

Babysitter Agency Tips

A babysitter agency is not always the answer to all your prayers. If you aren't careful, an agency can also be the cause of terrible headaches for you. Finding a good agency is as important as finding the right nanny or sitter. Here are some important tips to consider when looking for an agency.

See References - Always check the references of the agency itself. Find out through online message boards if it is a company that many people would recommend. Check too the track record of the company. Find out if it has been in the business of providing sitters to families for a long time and if there are instance of major client complaints.

Make Comparisons - Compare as many agencies as you can. You can easily do this through the internet. Many agencies have online sites that you can access. This will give you an idea which agency has the most convenient system and the most complete service.

Check the Services - Go through an agency's list of services one by one. Find out if they have everything you need or if they are missing some crucial service. Important services to consider are thorough background investigation and reference checks.

The Price - Never fail to ask a babysitter agency about the total cost. Be careful. Some agencies have lists of fees that do not include other possible costs. There may be some hidden fees that you may not know about. Always ask an agency for the complete breakdown and total of costs, including possible sitter replacement fees.

Sitter Arrangements - Ask too about arrangements for the sitter. Once you pick a sitter, find out if you would have to spend on transportation fees. Consider in advance if you would want a stay in sitter or one that would stay out. Not every agency provides both types of sitters.

Parent Participation - Find out how much you will be involved. Some agencies will let you participate actively in the screening process. They could provide you with an opportunity to interview possible sitters. There are also some agencies that can do the screening for you so all you have to do is to wait for the sitter chosen by the agency. The agency type that you choose will depend on your own personal preferences.

The Guarantees - Ask about guarantees. How far will an agency be willing to accommodate your preferences with the least degree of inconvenience on your part? Will they replace sitters you are not happy with at no extra charge? What will happen if a sitter has to go home for personal reasons?

Disadvantages - One disadvantage of a lot of agencies is the steep cost. Always be prepared to spend a lot on an agency is you want good service and a good sitter.

There are numerous agencies out there but you have to be careful. You don't want to end up with the wrong babysitter agency. The wrong agency will not just be a waste of your money. It can also endanger your kids and your home by giving you a sitter who is either incapable or dangerous.








Get only the quality nannies-sitters.com baby sitting services. Look for the best nannies-sitters.com/online-sitter-services babysitter agency online.

Five Money Saving Tips for Selling Your Home

Your home is undoubtedly the most valuable access for the vast majority of us and selling it will cost thousands. Below are money saving tips and hints which should reduce the cost of moving home.

Estate Agent fees vary, so shopping around and don't forget to haggle and pay one off against the other. You should aim for 1% commission, also push then to limit the tie in to no more than 6 weeks, this gives then enough time to sell the house, but if they can't you can move to another agent without going "multi-agent" which will increase the fee to about 3%+, a big no-no! Ensure you get a fair valuation, never tell an estate agent what other agencies have valued your house at. They will use this to manipulate its offer, often resulting in wide distortions.

It is false economy to go for the cheapest solicitors, so get recommendations from all the estate agents you speak to and remember to ask for the name of specific people, rather than just the legal firms. Give them a call and ask their charges, also note whether they are they friendly, helpful, and most important efficient? Fees are negotiable so haggle! Play off each one against the other to get yourself the best service at the best price. Expect to pay about £400.

Selling your house privately can save thousands. One in twenty vendors are now taking the DIY route which could save you on average £4,000. That is a massive money saving tip, but there are a couple of downsides, basically "time and effort".

You could consider newspaper advertising, flyers and signs. Newspapers usually charge per line or per word so try to keep your advert as brief as possible without making it uninteresting.

The simplest way would to sell your house yourself is to use one of the many online house selling service. For example, HouseWeb.co.uk HouseWeb.co.uk , an internet-based property broker, lists details of properties for sales on its website for as little as £47.

Obviously it is best to sell your house when the market is strong and demand is high, so keep an eye on the local property market. Generally, the market tends to be stronger in early and late summer than the rest of the year, so aim to sell your house then. Also avoid completing with your neighbours so if there are already a few "For Sale" signs on your street, it might be better to wait a bit.

The average house is now worth over £200,000, so if you lose 5% of the value because the house needs a little TLC you could be losing £10,000! So get as much advice on money saving tips from website such as Maxxsave and Money Saving Expert.

Research has shown that £100 spent on presentation can be more effective in selling a property than reducing your property price by £1,000. That is a lot of money, so get your paint brushes out, give your home a lick of paint and finish all of those DIY jobs which are outstanding. Also talk to the estate agent about adding value to your property it maybe worth spending a bit of cash to make some more. However, be careful not to over spend, you might not get your money back, so talk all planned improvements through with your estate agent.








Julian Smith works for maxxsave.co.uk Maxxsave.co.uk ? Free Money saving tips a website which provides free impartial advice, reviews, buying guides, and money saving tips on personal finance, household bills, insurance and electronic products,

Which Debts Could Cost You Your Home?

The worst thing that can happen for a homeowner is to lose his home, however that does not mean this is the end of your financial problems. It can get worse, since with the current financial crisis, your property can be sold at a lower price than it is actually worth and, of course, you will need to get more money in order to be able to pay your debt.

If you want to avoid this nightmare, it is very important that you do not sign any loan documents that ask that you to secure the debt against your home, unless you are sure that you will be able to pay it. Usually, these are written in fine print at the bottom of the contract, because this way they benefit the loan dealers. Because there were several such cases in the past, these warnings are nowadays required by law, so that the public is aware that their home is at risk if they do not make their payments.

The most common place where you will find such a warning is the credit card, because in the financial world they are considered an unsecured finance. The other common loan that you will find in which you need to secure the debt against your home is the second mortgages, mostly as a measure of security for the money agency that gave you the loan.

However, in case you are unable to pay your rates, the only way the creditor can take your home is through a county court order. This method can take some time before put into practice and thus leaving you some time to get the necessary amount of money to pay your debt and ask the dealer to withdraw his complaint.

One of the things that you should always be careful about are the promotions and certain deals, even if they are from reputable companies. At first you may not have to pay anything, however keep in mind that all financial offers are limited and afterward, you may have to pay higher interest rates than you can afford.

Nonetheless, this method is only used by reputable money agencies and there are other methods that can leave you homeless, especially if you are desperate for a loan. Loan scams are found everywhere on the internet and represent one of the leading causes for people losing their homes. Therefore, make sure that you search some reliable information about a dealer, particularly if you intend to work with an online dealer, before you give away personal information or worse sign a loan contract.








Nicholas writes for a debt related site that offers debtnation.co.uk/repossession.html repossession advice for people having debtnation.co.uk/missed-mortgage-payments.html problems paying a mortgage.

Types of Senior Home Care Services

The desire to lead a full, independent, and dignified life is no less important when a person transitions into the older adult stage. With this in mind, the senior home care services industry has expanded in order to offer services that will enrich a person's life with personalized in-home care. These services may fall into several categories: personal care, companion, and home maker services. Selecting an in-home care provider requires investigating the credentials of the agency. Make sure that each service provider is screened, trained and insured to provide responsible care that your loved one needs. You may find that many of these providers work in this industry as a result of having a loved one in need of this type of service.

Personal Care Services

The scope of personal senior home care services rely on the need of the individual. The services may include bathing, which is an essential aspect to how well a person may feel. Staying active is vital to the mental and physical well-being of an older adult. Your loved one may require daily activities which consider his or her physical limitations. In-home service providers can also work with family members and health care professionals to provide meal planning and preparation for those who have special diets.

Companion Services

To be able to have someone to talk to can go a long way towards enhancing the quality of life for many older adults. Senior home care services which focus on providing companionship for a certain number of hours each day, or several days in the week may be all that a person requires. These may include running errands, grocery shopping, conversation, respite for family members, and medication reminders. Your loved one will enjoy having freedom, control and the satisfaction of being in familiar surroundings that does not exist in a nursing home.

Homemaker Services

Homemaker services are very similar to those provided through personal care and companion services. Receiving senior home care services with this option delays the need for a person receiving care in a nursing home facility, and allows people who have been in the hospital to return to their homes. These services can be limited, depending on personal income and other resources. Basic household assistance may include light housekeeping and light meal preparation (unlike the specialized meal plan and cooking with personal care).

The one drawback to a person receiving in-home care is the financial hurdles that still exist. Most insurance plans do not cover the costs of home based services if no medical condition has been diagnosed.








Senior home care is a growing concern for many people and it can be difficult. However, their are many resources online about senior care including my other article about ezinearticles.com/?id=2225963 senior home care services and faculty based care

Friday, May 9, 2014

How To Find The Best Home Loan

Are you planning to have a home loan to have a house of your own? Well, that is a great plan that you should strive for. The truth is it is a great motivation that must cause you to work hard in whatever job you have right now. Have you see the birds in the sky every afternoon? They come by flock or even alone flying back home. There's no better place to be after a stressful day except to your own home.

But how can you get he best home loan available? Here are some tips that you must carefully consider if you want to settle finally to a dwelling for you and your family.

Check the interest rates. Sure, you will be granted with a home loan once you qualify to the requirements of the lending company. But what will you get in return for the favor granted by the company? Aside from the fact that you will be able to purchase that dream house of yours there's also a critical side of it that must be given a careful thought. How much s the interest? Will it double the amount of the loan after ten years?

Some people say that calculators are not trendy to bring along with you while you discuss the loan agreements with the loan officer. Trendy or not, just bring it since you will definitely be pulled lower than the trendiest figures if you come out of the loaning agency with the saddest face imaginable. There are agencies tat will charge you with a very high rate that may cause you to give up the house you dreamed of in the process.

This article was not written to scare you. It was made to remind you hat it pays a lot to do your home work. Ask questions to your loan agent. Never be carried away by your emotion during your conversation to the extent that you would imagine the loan officer saying that he interest rate is 2% every month when in truth and in fact it is 20% every year.

Check the online home loan service. When you search for an agency that will help you make a loan, check its background. There is nothing wrong in trying to know what make your life better. The best home loan service online can give you he best advice when it comes to your dream house.

Check the license of your home loan broker so that you are guaranteed that your money will not be put to waste. It is definitely true that you will be given a considerable amount of money to establish your home. But the home loan must be paid and you must make a wise decision about it.

There's a great pleasure in watching your kids lie on their own bed right at your own home. So don't settle for less in availing of a home loan that you have dreamed of.








Expert Opinions by Property Portal propmatch.com.sg Propmatch with the best advice on how to buy propmatch.com.sg Singapore Property.

Get a Degree in Health Information Technology

A degree in health information technology opens up many career options. Whether someone is interested in the scientific aspects of the field, or the business needed to ensure the processes run smoothly, the job options are numerous. Each of these careers has their own unique requirements in terms of the job description, but they all begin with the same degree.

A health information technician has the job of reviewing the medical charts of patients. While checking for completion and accuracy, they also compile reports and assign the diagnosis codes for several purposes. The diagnosis codes are used by the physician, insurance claims, and data collection. The work that an information technician does ensures that the healthcare providers can work efficiently for the patients. This occupation requires great computer proficiency and little direct contact with the patients. Entry level positions are available with an associate's degree, but certification is required by the state in many cases.

A medical coder's task is similar to that of a health information technician but adds more of a business element to the job. Again, the medical coder will review documents for the physicians. However, this job requires further assessment. Next, diagnostic and procedural codes are assigned and sequenced using the standard coding system. The business aspect is entered in because the financial reimbursement hinges upon the accuracy of this coding system. An associate's degree is necessary to reach an entry level position. The position of a medical coder is a popular entry point into the health care field due to the advancement opportunities that stem from having this knowledge.

Healthcare information managers deal almost solely with the business components of services. They are the ones that manage the systems that house all the documents, including insurance and those provided by the physician. Managers are needed in hospitals, nursing homes, home happinesslifetime.com care agencies, and any other business in a related field. This position requires at least a bachelor's degree, but many also have a master's degree.

Medical secretaries enable the work performed in this professional sphere to run efficiently. They perform clerical and administrative work. Among these tasks include managing correspondence and transcribing dictation. They also schedule appointments and make arrangements for patients that need to be admitted outside their specific office. Secretaries must be knowledgeable concerning the paperwork such as insurance and billing, but must also understand the laboratory procedures.

A degree in health information technology allows those entering the medical field to earn a place and maintain a professional career. With increased education, the opportunities increase exponentially. Whether someone is simply looking to break into the field or wants to climb their way to the top, health information technology is essential.








Author is a freelance writer. For more information on braintrack.com/college/u/medtech-college medtech college please visit en.wikipedia.org/wiki/MedTech_College en.wikipedia.org/wiki/MedTech_College.

The Difference Between Home Health Care and Home Care

Most seniors prefer and feel comfortable retiring in their own homes as much as possible when the need for long term care arises, regardless of their health condition. They would choose to receive care at home even if their health becomes physically exhausting and financially devastating.

Everyone must have heard of home health care and home care, but can't figure out the difference of the two. The two services seem so related with each other, although the differences could be very trifling. Home health care service is directly related to medical services in line with home chores, while the latter is restricted to housekeeping and other personal care for the patient. Home health care can be used to assist a person recover from illness or injury. This may also include but not limited to speech therapy, occupational and physical therapy that patients with chronic condition might need. Home health care requires registered nurses, therapists and home health aides to ensure the health and safety of patients.

Perhaps the biggest question is how to determine if you are receiving quality home health care services. There are so many agencies where you can find help, but you may likely end up in a substandard company if you can't figure out the qualities of a good home health care.

When hiring an independent home health caregiver, make sure to conduct extensive background check on that person to ensure he or she has no criminal background. You must interview the applicant and ask for references that you may check afterward. Before the interview, make sure you had prepared a detailed list of what a sick spouse or loved ones need, and then ask what specific services he or she can deliver. The screening will be less strenuous if you know what to expect and the qualities you are looking for.

Hiring a home health care professional through an agency would be more efficient, because it could lessen the screening process. Normally, these agencies have available staff ready for the work the moment the client needs the services. Good thing about this arrangement is you can meet that individual and discuss everything you expect from the job before he or she formally starts working. You must tell the provider all the details about your loved one:

?Health condition - illnesses or disability

?The drugs or treatments used and how they must be taken

?Behavioral problems - if the senior has unmanageable depression, fear, anger etc.

?Nutritional requirements

?Likes and dislikes

?Special needs

Other than those things, there may be other special requirements your loved one might need. For example, tell the caregiver what kind of clothing he or she needs every day to prevent any discomfort. The health provider should also know your contact number and other immediate family members in case of an emergency. Common things like where to find food, emergency kits, and how to fix household or medical appliances must be instructed to lessen the worry. Anticipating all the possible risks and changing needs of your loved one can help you become more prepared when any unexpected events happen.








Discover which is best for you home health care or home care. Read various articles on completelongtermcare.com long term care and the completelongtermcare.com/states long term care costs by state.

Freedom in a Work at Home Computer Job

Starting your own work at home business is as easy as having your own computer and an Internet connection. Work at home jobs can be both rewarding and profitable for anyone with a desire to work at home. Freedom and flexibility come with working at home, where you can set your own schedule, be at home with your children when they are home from school. It does not matter when you work, at night, in the morning, or when your children are napping; it doesn't matter you set your own hours. There is no long commute, no extra wardrobe, no car expenses, it is a perfect way to make extra money.

Most work at home jobs do not require a large investment, other than the computer and Internet service. The advice I give for those looking is that if it seems to good to be true, it probably is not worth looking at. No Internet job is going to make you thousands of dollars within a week. It takes time to build a business, the same as it take to build a brick and mortar business. Do your research, ask questions, check with the Internet Better Business Bureau, make sure they have a money back guarantee. Do they have a physical address and phone number? Can you contact the company, and do they respond. Give them a call and talk to one of their representatives if you are not sure.

With so many companies offering work at home computer jobs, the choices for working at home are endless. There is data entry, type at home, selling other people products, if you want to sell on ebay, there are companies that will provide a catalog of products and will take care of shipping and handling for you, all you have to do is advertise and collect the money, the possiblities are endless. Some companies have been around for years, and the chances are you already use their products or have heard of them.

Then there are the affiliate companies, where you pay nothing and sell the different programs on your own website. Building your own website is not as hard as you might think. You need a hosting company, and there are a lot to choose from, a domain name, and an editor to build the site. Or you can go the blog way. You can either build a blog using a service such as Blogspot, or if you have your own domain name, and hosting account use a free program called Wordpress.org. These two programs are so easy to use anyone can have their site up and running in a matter of minutes. There is even a company that will tell you how to turn your hobby into a business.

So with so many companies out there why do you have to pay to join? How do you know which is the right one for you?

If you have to pay then make sure what it is you are paying for. For instance, if you are looking for a data entry job offline, someone would pay an employment agency to give you a list of companies that are looking for data entry personnel. The same is true of an online company. The better survey companies ask for an upfront fee for the same reason. A reputable online company has to keep their lists up to date and they have to make sure the companies they represent are legitimate and pay their customers in a timely manner. All of this costs money to maintain. It also should come with a money back guarantee..so be sure and read the fine print.

With all the choices for working at home available there is not reason why you cannot find one that will fit your interest and needs. Choose one or two or more and start working from home today! It is really that simple.








Nancy Kraska has been involved with internet marketing since September, 2004. For more information visit her directory of Work At Home Ideas and Opportunities at Home Work For You hmewrk4u.com hmewrk4u.com She is also the owner of a cookbook website at simply-cookbooks.com simply-cookbooks.com

A Career in Medical Billing and Coding

If you are looking for a career in the office or administrative line but would like to earn more than a plain office clerk, then medical billing and coding jobs can be the perfect career option. Those who are currently doing clerical or administrative job can add a medical billing and coding certification to their kitty and move onto a better salary. However, this is not job for young restless youth as it requires a lot of patience and concentration.

Every year, a number of medical billing and coding jobs go unfilled due to a shortage of trained professionals. These jobs exist in every medical institute and Insurance Company, private nursing homes etc chalking up the substantial demand. The lack of trained professionals can be chalked up to a lack of advertisement and insight into this particular field.

While the name, medical billing and coding, gives you the impression that this job involves medical or coding knowledge; in reality it is more of a book keeping job. The codes here refer to alphanumeric codes that stand for various medical duties and practices, that are used in lieu of the actual medical terms while drawing up bills for patients or insurance firms. And a medical billers' job is pretty much that of any billing clerk, except that he or she needs to an intrinsic knowledge of the medical codes and the rules and regulations that govern medical billing. Any medical billing and coding training pretty much covers this.

The salary is quite competitive and the job demands attention to details and tremendous concentration and patience. A little bit of investigative tendency may be an added bonus, because many a time you may need to chase down a number and a code to solve an errant bill.

Medical billing and coding jobs can either be full time and part time both, depending on the size and requirement of the employer. So be prepared to work long hours or weekends if you are looking to earn some extra cash. Agencies however do not encourage work from home as sensitive data is involved and often one Medical biller and one medical coder work together to process the large amount of work for an organization. However, there is also a career opportunity in opening your own Medical billing and coding business from home, if you have the right credentials and contacts.

Getting back to salary prospects, it can vary from company to company. Insurance companies and private medical facilities can pay more than government or social health care organizations. On the other hand established, reputed government run medical institutes are known to pay quite well as well. It also depends on the location of the medical facility, quite like school districts. More urban and posh the area, better the salary for the same job.

A Medical billing clerk may earn $10 to $15 an hour, but a medical billing and coding clerk can earn up to $18 an hour. For a permanent job, you might be looking at a salary between $30,000 and $40,000 annually. Considering Medical billing and coding training can be managed within $500, the turnaround is not bad.

Apart from a career as medical billing and coding experts, the training and expertise can open up career prospective in book keeping, and general billing in other non-health related fields as well. Of course with number of private health happinesslifetime.com care agencies and insurance providers increasing every year, finding a job in the health care industry may not be hard. It can also be a career choice for those who like to work in the health industry.








Mark Murphy
medicalbillingandcoding.us medicalbillingandcoding.us

copyright by Mark Murphy
Reproduction is granted only if hyperlink to original website and author name is remained intact.

Thursday, May 8, 2014

Preventing Nursing Home Abuse

Your involvement is key  to making sure nursing home abuse does not occur. Visit the facility frequently, so you assess firsthand the care. Try to vary the times you visit, so you can witness the care at all hours. If you have concerns, talk to the aides, nurses, social worker, administrator, or doctor.

Your state survey agency can be an excellent source of information. In each state's Department of Health, there is a division responsible for enforcement of nursing regulations. Yearly surveys are conducted, and the agency and follow up on these surveys investigating complaints submitted by family members. The division is required to provide you with they collect.

If you suspect a  resident is a victim of either neglect or abuse by the nursing home, a complaint should be filed with the state Licensing and Certification. This agency has the power to file a citation against the facility as well as fine and require corrective action.

Many are afraid to issue a complaint against the nursing home for fear of retaliation against the resident. If you have these concerns, the licensing agency can assist you with procedures designed to protect your family member. A common option chosen by many is to move the resident to another facility while the investigation takes place.

The complaints can be made either orally or in writing. Investigators will visit the facility as early as 10 days after the complaint has been issued. The nursing home will not be notified of the investigation in advance. Evidence will consist of observations, statements from witnesses, and facility records. If the investigator determines the complaint is warranted, a citation will be issued.

The person issuing the complaint will be notified of the decision in writing. If the complainant is not satisfied with the decision, an informal hearing may be conducted. If the decision from the hearing is still unsatisfactory, the plaintiff can appeal for review.

You have the right to take private legal action against the  home. However, each state has a certain time frame in which legal action can be taken. Once this time passes, a case can no longer be filed. Therefore, it is important to consult the advice of an attorney who can protect the rights of your loved one and guide you through the legal process.

If you suspect a family member has been the victim of nursing home abuse, visit waukeshapersonalinjurylawyer.com/waukesha_personal_injury_lawyer.aspx waukeshapersonalinjurylawyer.com today.








Joseph Devine

Disaster Response Team - How the Health Care Community Handles Large Scale Disasters

Handling a wide scale community disaster requires planning and practice. The various community medical service providers must work together to form a cohesive, organized team. To be able to merge the providers into one singularly governed entity is an exercise in communication and coordination. The entire health care community works together to learn, practice and implement this type of coordinated response.

The local hospital is customarily the focal point, or base station for the coordination of services to the community. Mainly because they have generators and the ability to continue operating even under the most adverse conditions. A command center is set up in a designated area or building adjacent to the hospital. Initially the hospital provides a management team. In the case of a pandemic flu outbreak FEMA, the federal emergency management agency, would send in a response team to take over. Health care workers are all educated as to the way the FEMA disaster response team is set up. Everyone is required to use "plain language" with no job related jargon so that communications are clear between agencies. Once the disaster has been called, and the plan put into motion things progress quickly and efficiently.

All parts of the local health care community are an integral part of a mass disaster plan. There are many things that must be established to provide adequate preparation. The health care team members must meet and decide on a written plan of action for handling disasters. Everything from, where to get fuel to how to transport employees has to be decided upon. Evacuation routes and designated facilities will be agreed upon by all the participants. Once all the details have been combined in a written plan, the community will physically practice the plan assuring everything works. Without physical practice, there would be no way to determine which parts of the plan needs adjusting and where.

Most communities have a mass disaster practice every two to three years. Occasionally the state leaders will also get into the action and have a state wide practice. The community leaders will set up a mock disaster situation, such as flu pandemic, plane crash or other event. Most of the time the local community colleges will have their students volunteer to be victims. Victims are "dressed" and the scene staged with fake injuries, blood and the like. The call is put out, and the community has to go into action. The fake patients are moved through the system as if they were real. Fire, rescue, police, sheriff, hospitals, and any other emergency or health care services enact their designated disaster plans. After the drill, the community comes together to see what went right, and what needs revision. Only by physical practice can it be determined if the plan will work.

Disaster plans try to encompass a wide range of potential issues. There are plans for temporary shelters in case nursing homes or hospitals have to be evacuated. There are portable decontamination units that can be deployed, set up and functioning in less than thirty minutes. These are especially important for handling chemical exposures. It is fascinating the number of the problems most local communities can handle and the scale and planning that has been done. Each community can feel safe that their health care professionals are capable of working together to adequately handle almost any disaster.








William Lee

The Dangers of Cleaning Supplies

As we get ready to clean our homes for holiday guests (and even if you are one of the lucky ones paying someone else to clean your home). Here are a few issues to be aware of.

The EPA (Environmental Protection Agency) has shown that indoor air contains two to five times more pollutants per cubic foot that outdoor air and in extreme cases can be one hundred times more polluted. The New York Times wrote in an article on Jan 6, 2001 that an EPA study revealed some toxic levels in homes were "greater than the levels that qualify as a chemical waste site for Superfund status." It is important for you to know that you if you are using chemicals to clean your house, your are unknowingly adding to your indoor pollution in a very big way. A 2003 study conducted by the Mount Siani School of Medicine in New York tested volunteers who did not live or work near industrial facilities. An average of 91 contaminants were discovered in each person. Most of these contaminants come from pesticides, personal care products and household cleaners. These chemicals were capable of causing cancer, brain and nervous system damage, birth defects and immune system problems.

As a rule of thumb, many experts advise that if a product label includes the notice "warning", "poison" or "danger" - stop right there and avoid the product all together. I go further and say, if it's not natural or smells funny, don't use it. As warning labels are only addressing issues caused by ingestion. Ninety percent of health problems are caused by inhalation. Most of these chemicals fill the air with what we call a clean smell. I would recommend you rethink that clean definition and think of it as a poison smell.

In the interest of keeping each Healthy Hint short enough to value your time each week, we will discuss specific ingredients next week. For now, try to avoid the use of chemicals that have a strong odor and/or list the caution words above. You may also want to avoid the products that the Water Pollution Control Federation states are so toxic, they must be disposed of in a toxic waste dump: floor care products, furniture products, window cleaners, bug spray and nail polish remover. Other products that the National Cancer Prevention Coalition lists as the top cancer causers in our home are: J & J Baby Powder, Crest Tartar Control Toothpaste, V05 Hair Conditioner, Clairol Nice N Easy Hair Color, Ajax Cleanser, Lysol Disinfectant.

To get your house clean, Use the a high density fiber clean room or Magic cloth, damp towels, baking soda and other environmentally and personally safe products. You will go into the holidays breathing easier!








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Living With Alzheimer's - For Victims and Families

Alzheimer's disease is a dementia disorder marked by changes in the brain. It can happen at any age and is not a normal part of the aging process. Many people feel that they will inevitably get Alzheimer's as they get older but this is not so.

It is a dementia disorder that leads to the loss of functions, both mental and physical and the actual cause of the disorder is unknown. Although it mainly affects people over 65, it can also affect people who are younger. Contrary to popular belief, the percentage of people afflicted with this disorder is relatively small.

This disorder is the exception, affecting around 5 or 6 percent of the population in old age. However, the percentage of people suffering this debilitating illness represents a significant number of sufferers and their families. Due to our aging population, the number of people afflicted by this disease continues to rise. This means an increase in the cost of care as our aging seniors progress into their later years.

Alzheimer's is neither curable nor reversible but there are methods that can be used to alleviate the symptoms and that can assist the people involved in the care of the sufferer. Not all Alzheimer's sufferers have to go to a nursing home. Many are cared for by their families with the help of agencies from the community sector.

Family education is crucial as is effective medical management and family support services. The family may eventually decide that it is in the best interests of all concerned to send their loved one to a nursing home. There is nothing wrong in that and hopefully they would have taken advantage of other options before making this decision.

Alzheimer's disease comes on very gradually and is often mistaken for something else as the symptoms in the early stages are common to other conditions. None of the symptoms are unique to Alzheimer's disease and wrongful diagnosis can occur because of this. It is imperative that the person is properly evaluated by a medical specialist before being labeled as having Alzheimer's disease.

Short term memory loss is common in the early stages of this disease. Other signs may include a decrease in spontaneity, withdrawal from social situations, apathy, and other mild personality changes.

As the disease becomes progressively worse, there is a problem with abstract thinking and intellectual functioning, causing the person to have difficulty with figures. This is evident in being unable to work out bills or organizing the day's activities. There may also be signs of agitation and irritability and the person may seem argumentative. It is also at this stage that the person begins to lose ability in appropriate dress sense.

From when an individual is diagnosed with Alzheimer's disease through until their death generally takes around 6 to 8 years although it can range from as little as 2 years to as long as 20 years. Often, the person may die from other causes before Alzheimer's disease reaches its final stages.

How a person copes with Alzheimer's disease may depend on many factors such as personality, stress, and support.

Research suggests that there are other previously unknown factors at work in Alzheimer's disease such as abnormal chemical reactions. There are also believe to be degeneration of the nerve cells in parts of the brain and defective blood vessels which would normally send blood to the brain.

It is not known as yet how to predict the likelihood of Alzheimer's disease in an individual and the only precursor is advancing age. There is a marked increase as people age with around one quarter of people over 85 suffering from some form of dementia, including Alzheimer's.

Other signs of the onset of Alzheimer's are paranoia, delusions, depression, or severe uneasiness. These signs may accompany the disease but they can be treated with appropriate medications.

Because there are many disorders that can easily be confused with Alzheimer's, it is crucial that a complete medical assessment is carried out to avoid misdiagnosis. The doctor can arrange for these tests or can advise where to go to have them done.

Usually, the caregivers of people with Alzheimer's are members of the family, more often wives and daughters. As the burden mounts, stress becomes a major factor for these carers, diminishing their ability to provide effective care. Therefore, it is important that the care is shared throughout the family and not just left to one or two people.

Seeing the diminishing abilities of a loved family member can cause anxiety to the carer and they often suffer feelings of incredible guilt at not being able to do more to help the Alzheimer's sufferer. They may also feel isolated, particularly if they have had to withdraw from a job or other social activity to look after the individual with Alzheimer's.

Consequently, the incidence and intensity of depression amongst this group of people is high but it can be decreased through available interventions.

Although there is no cure or reversal for Alzheimer's disease, there is a lot that can be done to help both the sufferer and those who care for them. The individual and family can live through the duration of the illness with dignity and with less discomfort if they avail themselves of the appropriate clinical interventions and community support organizations.








Anne has worked primarily within health and welfare for around 35 years. She has always loved to write and has a wide range of interests. She is the owner of ozehealthbiz.com ozehealthbiz.com and ourkidzbiz.com ourkidzbiz.com

3 Home Businesses You Can Make 50 Dollars Per Week From

Are you are fed up with always working for someone else? Do you think it is time you got started in your own home based business and want some ideas on what to do? Having considered this question myself, I have come up with 3 home businesses you can make 50 dollars per week from.

1) One of the simplest ways to make 50 dollars per week is by using the one tool which is the most accessible - your computer. If you have "the gift of the gab" and are good with words, you can put that ability to work. Many people have earned good money by simply being able to type - anything from speeches, articles for magazines, newspapers, ezine article marketing, copywriting, novels, short stories etc. You can even write a few detailed "How To...." articles giving step by step instructions and sell them online. The potential is endless.

Check out the internet to research what is already available and see where you can slot in. You can either join up for something, or make your own free website and start from scratch. Don't forget to check your local employment ads - there may opportunities for work if you live near a school, university, hospital or home rental agency. I once earned money at home by typing up reports for premises before they were rented out to tenants.

2) The 2nd home business you can make 50 dollars per week from is by setting up your own shop and selling on eBay. Once you have exhausted your own spare stock of books, CDs DVDs and other knick knacks, you could trawl through charity shops, bazaars and markets to find endless items to sell. School fairs and jumble sales are a particularly good source, as items are often available for pennies and you can sell them on for a profit. Specialising in one particular area, such as books, is a quicker way to earn a more profitable amount. Check Amazon to see which titles are particularly popular and begin looking for other books by the same author. If you want to make a decent amount of money, treat your eBay shop like you would a bricks and mortar one and make sure you give it the time it needs to make it successful.

3) The 3rd home business you can make 50 dollars per week from is by joining an affiliate membership. This is a way of running a business on the internet whereby you are affiliated to a company, market their product and get paid commission and residual fees for successful sales. The internet is loaded with affiliate offers - some are free and others charge a fee to join. Careful consideration and due diligence is essential. You will need some time to learn the business, but once up and running, there will be the potential to earn unlimited income.

If you go now to earnyourwealth.co.uk earnyourwealth.co.uk I can show you how to get in-depth training in marketing strategies, techniques and proven methods that have helped thousands of people worldwide build successful home based businesses. I hope these ideas for 3 home businesses you can make 50 dollars per week from have been helpful.








Olive Bush is an online marketer teaching people from around the world to make money online and how to build their home based business. To learn more about Olive and her business please visit earnyourwealth.co.uk earnyourwealth.co.uk

Granite Countertops - A Sound Investment For Your Home

Recent controversy about granite countertops may finally be put to rest, thanks to two new independent studies published in the Journal of Exposure Science and Environmental Epidemiology. Critics have alleged that granite countertops contained dangerous levels of radioactive material that could allow radon to be released into homes, creating a health risk. The new studies were subjected to rigorous peer-review standards and found no evidence that countertop granite releases harmful levels of radiation or radon into the atmosphere.

Scientists and spokesmen for the U.S. Environmental Protection Agency have consistently dismissed claims that granite countertop presented a risk to consumers. The new studies bear this out, citing evidence that the average concentration of radon or radiation exposure from granite countertops is about four hundred times less than the amount deemed risky. Previous studies had also found very low levels of radiation and radon in granite countertops; Michael Kitto, a research scientist for the state of New York's Department of Health, stated after testing over fifty samples that "While nearly all granites emit radon, the amount produced in a kitchen from the granite is less than in outdoor air." Despite the claims made about the dangers of granite, no published scientific study has yet provided evidence that granite countertop present any danger to consumers.

Granite countertops have experienced a surge in popularity in the last decade, seeing a tenfold increase in sales. Combining unmatched durability with natural elegance, granite countertops are available in a variety of stone patterns and colors. Since granite is a naturally occurring material, every countertop is unique, allowing homeowners to achieve a custom look for their kitchens and baths. Due to their popularity, replacing existing countertops with granite can increase the value of your home, in some cases adding as much as ten percent to its overall resale value.

Traditionally, granite countertops are especially sought after by chefs because of its cool surface. This allows dough, pie crusts and candies to be rolled out directly on the countertop, since food usually won't adhere to it; it also prevents delicate pastry crust from becoming overworked and tough. Granite is a natural heat sink; it absorbs heat rather than reflecting it back up to your food. A thin dusting of flour is all that is necessary to produce the best results.

Since granite is heatproof, you can set hot pans on its surface without worry. This is a great advantage over most manufactured countertops, which can warp and burn when exposed to high temperatures. Granite is the hardest natural surface used for countertops, so chipping or breaking is not a concern. Since it is very dense, it resists stains and its polished surface is easy to clean and care for. Additionally, it can be cut to fit nearly any space, allowing more flexibility than premade countertops. More expensive than some types of countertops, granite justifies its initial cost with unmatched durability and utility. Granite countertops are designed to last for the life of your home, so purchasing granite is an investment in the future.

Granite countertops continue to grow in popularity. Available in thousands of colors and grain patterns, they offer natural beauty and durability, and can add significantly to your home's resale value. Despite recent scare stories, the scientific evidence shows that granite countertops are safe and present no health risk to consumers. Granite offers unique advantages to professional chefs and occasional cooks alike, and provides a custom look for your kitchen that no other material can match. With all these advantages, granite countertops may be a sound investment for your home.








Joe Cline writes articles for joecline.com Austin Texas real estate. Other articles written by the author related to affinityproperties.com Austin real estate and Round Rock Texas MLS can be found on the net.

Wednesday, May 7, 2014

How Can I Avoid Paying Off Old Debts During My Refinance?

Debt Payoffs

Your credit report will usually contain a list of your credit lines. This will also include bad debts and collections you have for the past several years.

Any outstanding debts will show up on your credit report, so not disclosing these debts on your mortgage application will not help you.

Your credit report may contain the name of creditors you are not familiar with. These unfamiliar names are often collection agencies that have purchased your debt from your original creditors.

In a refinance a typical mortgage lender will want to pay off all or as much of your bad debt as possible.

The checks are usually made out by escrow directly to the creditors. This is to make sure the money is sent to the creditors.

Avoiding Paying Debts

You can avoid paying some or all of these debts by choosing your lender carefully. Some lenders are more flexible on this issue than others.

Some lenders will allow you to cap your payments on old debts so you can keep more of your money.

Some hard money lenders allow you to not pay off any old debts, unless they are debts on your property. In this way a borrower can avoid paying old debts that can cost you thousands or tens of thousands of dollars.








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Air Filters and Air Purifiers - Different Types

With so many different kinds of air purifiers now on the market, it may be difficult to know which one is best to sue in your own home or office. Each manufacturer insist that their model is the best, but which one can you believe? According to the Environmental Protection Agency, the best systems to employ right now are those that use filters to capture pollutants and allergens that are in the air in lieu of fancier ionic versions that tout better success, but have yet to be proven scientifically to really work.

Still air purification technology is astounding these days, offering a myriad of choices to the average consumer. Each has their own strengths and weaknesses and should be studied carefully before purchase to be sure it fits your family's specific needs.

HEPA, or High Efficiency Particulate Air Filters, are the #1 best selling air cleaning systems sold to date. Designed by the Atomic Energy Commission more than 60 years ago as a way to clear the air of radioactive dust in the case of an atomic bombing against the U.S., HEPA filters are able to remove 99.97% of all particles as small as .03 microns from the surrounding air. Allergens such as pollen, dust, pet dander, mold, mildew spores and tobacco smoke can all be easily and effectively trapped in the filter, and kept out of your family's lungs. The main disadvantage to this system is the need to regularly replace these high-cost filters.

Charged Media Filters, are used to capture impurities in the air as small as0.1 microns through a combination filter and electronic charge. Although not as dangerous as other ionic and ozone generator models, these types of filter systems also emit a small amount of ozone in the air, which can become dangerous if left to build up in a closed space.

Activated Carbon Filters are rarely used alone to purify the air, but may be used in conjunction with another air purifying system. Activate carbon and charcoal filters are most often used in conjunction with HEPA filters to absorb gasses and odors from the air that the other filters can not.

Antibacterial and Germicidal Filters help to eliminate bacteria and germs from the air. Air purifiers featuring these germ-killing UV filters are most often used in sterile environments such as hospitals, daycares and laboratories. When used residentially, they are great at controlling mold and are especially effective in helping people who get sick often since they help to eliminate their exposure to contagious bacteria and viruses on a continual basis.








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Learn All About Home Buyer's Expenses

You might be aware of most of the expenses related to the process of home buying. Yet there could be quite a few expenses which you might not be aware of and need to plan to avoid last minute slippages. It would be prudent on your part to plan all the expenses relate to home buying. This financial discipline would not only help you save but also help you close the sale in a smooth and hassle free buyer. First time home buyers need to be extra diligent and careful detailing these expenses.

Home Mortgage Costs

When you avail a home loan from a lending institute, it is obvious that you need to organize your contribution towards home purchase in the form of a down payment as well as the recurring mortgage payments towards servicing of your home loan. More importantly, there are several expenses payable to the lending institute towards administration and processing of your home loan. It is worth the exercise to compare the various fee charged by the institutes before you decide on your home loan agency.

o Credit Report Fee - Depending upon the lending instate, they may or may charge fee related to your credit appraisal.

o Processing and Originating fee - These charges are also not levied by a few lenders.

o Underwriting fee- Make sure you minimize the fee charged towards the review of your credit worthiness to determine if you are eligible for the loan

o Home Inspection Cost - it is advisable to incur these expenses because it is worth it and helps you arrive at the fair value of your purchase.

Legal Fees

Check out the legal fee payable based on the nature of property transaction that you have entered into and the state in which you have purchased the property. These legal expenses could be as high as 1.5-2% of the property value.

State Taxes

Different states levy transfer registration fee at varying rates. There would be certain other taxes as well depending upon the state like the sales tax and the stamp duty charges. First time home buyers would be getting certain tax concessions you must check out the property laws applicable to your state.

Relocation costs

Plan for the costs related to your physical movement into your new home. The expenses would off course depend on the distance involved. In case you are planning for professional re-locators, ask for a couple of quotes before deciding. There are many utilities for which you need to pay an upfront security deposit. You may end up incurring cost on a few repairs as well as some home improvement initiatives as you step into your new house.

Even though you might have taken majority of the home buyer's expenses in your estimation exercise, it is highly probable that there could be still a couple of unplanned expenses likely to arise and a contingency fund would always help. Experts suggest an amount of app. 2% of the property value to be reserved towards contingencies related to home buying.








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Infant Adoption Costs and What to be Prepared For

Adopting an infant can require a lot of money. However, you should not let money interfere with the process of adoption. There are a number of factors that can contribute to either a higher cost for adoption as well as a lower cost. The major factor of the cost is whether or not a privately owned company or public adoption agency is used for the infant adoption.

There are two major categories that infant adoption can be separated into. Universal expenses is one such category. Items covered in this category can range from court costs to home study expenses. The other category of cost is adoption-specific expenses. Depending on what type of adoption process you use, this will determine the varying expenses. By combining these two categories you would have the total cost of adoption calculated.

Potential parents seeking adoption must have a home study performed. This is considered part of the home study expenses. This process helps prepare the adult for the adoption as well as the process. In order to help get a great parent/child match, important information is taken from this study. If you are doing foster care adoption, no costs are involved due to the work being performed by a local public agency. Just about any other type of adoption, either a private agency or certified social worker is used. The range of cost varies between $1,000 and $3,000 for a home study.

Be prepared to also pay for legal fees for adoption. There are preparation costs that can range anywhere between $500 and $2,000. An additional $2,500 to $12,000 can be expected to be paid if you need legal representation throughout the process.

Depending on the type of agency used during the infant adoption, adoption-specific costs can vary. Licensed private agencies typically range from $5,000 to $40,000, while foster care adoptions range from $0 to $2,500. An even greater cost is incurred with international adoptions. These can range from $7,000 to $30,000. All costs and fees should be observed by potential adoptive parents.

Before you get too caught up into adopting a child, be sure to assess all the associated fees involved with an infant adoption. Make sure you are financially sound in order to cover these costs. If you are finding it difficult to come up with the funds to adopt, there are resources available to financially help you out with adoption costs.








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Home and Personal Security Tips When Traveling and Using Transport

ESCAPE ROUTE

Before a crisis arises, it is important to have an emergency plan.

o Put your plan down on paper and make sure that the whole household is familiar with it.

o Assess all entry and exit points. Decide on the best way out in the event of a criminal entering your home or of a fire. For example, if an intruder breaks into the house via a front entrance, or a fire breaks out, the family can escape through a window or opening at the back of the house. Certain windows and/or openings must be identified and expandable/retractable security barriers fitted to these. The keys for these barriers on these openings must be placed in a secret but accessible place.( Remember that a window is not an ideal escape route - broken glass is a hazard. A door is preferable...)

HOLIDAY ARRANGEMENTS

o Try not to leave your home unoccupied. If possible get a friend or relative to house-sit for you.

o Do not get a stranger to house-sit. If necessary, use an agency that specialises in this.

o Your home must never look unoccupied. Arrange for a friend or neighbour to leave your curtains in the usual open or closed positions, and mow your lawn, etc., for you. Let them keep the curtains slightly parted so that your house doesn't have an empty look.

o Leave a telephone number and contact address with neighbours or any other reliable person so that you can be contacted in an emergency.

o Inform your armed response/alarm company that you will be away.

o Inform the police of your absence.

o Never leave an answering machine message that you are not at home. Say something like: "We can't come to the phone right now..."

o Use timers to turn lights, televisions and sound systems on and off at different times to give your home a "lived-in look" when you're away.

o If there's a Neighbourhood Watch Program in your community, join it.

o Report any suspicious persons or vehicles to your local police.

o Be careful who you tell that you are going away!

o Don't let mail, newspapers or flyers accumulate while you're away, tipping off criminals. Have the post office hold mail, have newspapers suspended, and have a neighbour or friend clear away flyers.

o If possible (and safe), leave a car in your driveway or arrange for a neighbour to leave a car there from time to time.

Be alert

o When arriving at or departing from your home, look out for loiterers. Do not ignore such persons as they could be a danger to you and your household.

o Keep necessary emergency numbers clearly posted next to the telephone. These must be easily accessible when needed.

o Don't leave valuables where they are visible through windows, etc. They might tempt potential burglars.

o Make an inventory of all the valuables in your household and store it somewhere other than your home.

o Mark valuables. (Etching, punching, etc.)

o Do not ignore any unusual sounds or noises, barking dogs, alarms, breaking glass, etc. Be very cautious when investigating. Rather have the police or your armed response company investigate for you.

o If you do not have a response facility and you are going to check outside, keep your family safe by locking the door behind you. If necessary they will be able to summon help for you

Guard personal information

Identity theft is a real threat and poses a real danger for the victim. Supply personal information, to anyone that asks, with great caution.

DRIVEWAY HIJACKING

One form of crime that is becoming increasingly popular is driveway hijacking.

o Be ready for the unexpected. The hijacker can strike at any time.

o Be very cautious when arriving at or departing from your home.

o Keep a lookout and be prepared to drive away quickly, if you must. (Be careful never to endanger anyone's life). Have an emergency plan. Decide which is the best way to escape if there was an attempted hijacking in your driveway. Could you drive down the pavement, or over a concrete island for example?

o Make sure you are not followed to or from your home. If you are followed, go to the nearest police station or a place where there are many people. Avoid quiet streets or areas. Petrol stations all have security cameras that highjackers want to avoid. Go to a garage and stop in the middle of the courtyard somewhere.

o When approaching your home, look around for any suspicious loiterers or vehicles and report them to the authorities immediately.

o Try not to reverse out of your driveway. When leaving your premises, always try and face the road.

o If you do not already have a remote-controlled gate, you may want to consider installing one. (Consult the experts as automated gates can also present a security threat)

o Avoid establishing fixed patterns. This increases the risk of victimisation by observant, potential hijackers.

o If you arrive home and notice something suspicious, like the dogs not coming to welcome you, drive on! Go to the nearest police station or follow one of the other suggestions in this section.

o Always keep car doors locked and windows closed.

o Keep an eye on your neighbours' houses. Ask them to do the same for you. Report the presence of loiterers to the police.

o Remember, if you become a victim of carjacking, don't resist. Your life is more valuable than the most expensive car.

o Be aware that hijackers sometimes impersonate police or traffic officials. They use vehicles with flashing blue lights and some even have access to police uniforms.








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Providing The 78 Million Baby Boomers A Better Way To Care For Themselves, Their Aging Parents

78 million baby boomers need a better way to care for themselves, their aging parents and other loved ones. Baby boomers represent almost 1/3 of the US population. As boomers reach retirement age, they find themselves with a trending problem; where to turn to get the answers and support needed to care for themselves as well as their aging parents. Providing the boomers all the "Daily Living Comforts" their families deserve and finding a single source for living at home better and longer is harder than you think. Half the battle is knowing that "IT'S OK TO ASK FOR HELP"! Asking for help means being comfortable about wanting to get the assistance and support you need in order to care for yourself or your loved ones and live a more fulfilling, and independent life.

Born between 1946 and 1964, baby boomers came of age in a period of great social idealism. Many were compelled to live their lives via President Kennedy's famous "Ask not..." speech. Daily Living Comforts mission, encourages this generation to live their lives to "Ask not" again, but this time with a twist - "Ask not" just for yourselves, but also for your aging parents! This mantra may not be as famous, but knowing "It's Ok to Ask for Help" - not only for yourself and also for the ones you love is "a giant leap for mankind" in the right direction.

Many boomers were compelled to service during that time period and they can also get involved in their local communities today. Lead by example and change the world ... yet again, by volunteering or being a caregiver. A growing concern is the awareness of high quality, non-medical home care services. Although there are many agencies offering Medicare paid home health care services, non-medical homecare focuses on helping seniors with non-medical needs like bathing, ambulation, transportation assistance, homemaker services and companionship. The other challenge is finding the products needed to maintain an independent lifestyle. There are a few resources to turn to, but they are few and hard to find. The key is awareness and providing the information to the people that need it the most - baby boomers! Knowledge is power and knowing that there are companies that provide hundreds of innovative products as well as non-medical homecare is very well received. Ensuring you and your loved ones are well and cared for with a single source for living at home better and longer. Living independently is important to quality of life!








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Welcome to Daily Living Comforts

Our purpose is to help you care for yourself, your aging parents and other loved ones. It is our sole focus to provide all the "Daily Living Comforts", and resources you and your loved ones need in order to maintain as much independence as possible, improve your quality of life and to live at home better and longer... At Daily Living Comforts, nothing is more important than:

Optimizing a family's ability to access innovative, life sustaining and affordable in-home products that enrich and help maintain an independent lifestyle.

Offering reliable, non-medical homecare services for Bucks County, Pa. and surrounding areas with caregivers that are dependable and extraordinarily caring of others.

Tuesday, May 6, 2014

What You Need to Know About a Home Care Agency

Accidents and misfortunes come unannounced and many people find themselves at the mercy of domestic professional services. That includes caregivers, nurse aide/assistant and home health aides. Even in the event of child birth and raising children when you have a busy routine, or simply taking care of the house when both partners work steady jobs, there is need of nannies, caretakers and child care providers. This is normally something one doesn't have much experience with and you are left wondering where you can find such help. This is when a home care agency can use their professional advice and services to help you out.

Home care agencies work towards helping couples and single parents run their homes normally with the help of nannies. Couple who work long hours might have problems dealing with home care after they come back home. This is especially helpful for single parents who can't seem to manage their work, housework and kids single-handedly. They also extend their caregiver and health aide services towards invalids or terminally ill patients.

Many times old and frail parents need the kind of care that one cannot be able to provide them in a life full of work schedules and children. This is when a home care agency can help them get caregivers and health aides who can make their lives a little easier. This is also suitable for seniors who prefer the surroundings of their own home rather than a retirement home.

Home care agencies are much like employment agencies. They hire people who can provide services to people who need these services. Health care is something once needs to be incredibly careful about. This is why having a professional assist in caring for a senior or physically challenged family member becomes inevitable. This assistant includes full time and part time care as well as meal planning and taking the patients to doctors.

They also have child care services which range from live in nannies who work full time and baby sitting for the children part time. The shift timings can also be suited to one's purpose and suitability.

Since keeping such service calls for someone who can be trusted, it is important that you find a home care agency that can give you qualified and trustworthy people. For this the agency should have a meticulous screening process and having the required qualifications and credentials.

You should also be able to interview a few people before you find someone you prefer over others. A home care agency can provide health aide services and assistance to help you get your life back.








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One Woman, One Leg, No Job

What is social acceptance? Why is it so important? What can we do to overcome it? This inspirational story may change your attitude toward society and its evil un-acceptance and discriminations. Follow along as I give a detailed account of my experience with a life changing disability and the battle I continue to fight to gain acceptance and employment"

I guess you can call me an average Jane. I grew up in a small rural town in Florida better known 'round' here as "Shady Hills". I went to a small Baptist school that I am pleased to say I loved. My parents, although now retired, were hard working and devoted to me and my siblings. I guess you could say that I had it all. What more could a kid want. I was a cheerleader for my small little school and I guess somewhat popular in my 'click" of friends. I had a knack for being involved in every social, academic, and sport I could get involved with. Yep, that was me socially accepted and life was good. My active lifestyle and my popularity gave way to a very happy child's life.

As a fairy tale and happy life story would render, I must tell you that I married my high school sweetheart. We had 3 beautiful children. We struggled but, were very happy with our little lives in our little community.

They say that every good thing must come to end. Boy, was that an understatement. My life, starting with a separation with my husband, started to un- ravel in ways I could never imagine. At this point, I was in my mid- twenties and my now happy life a mess. My happy home was broken, my children were confused and I was left holding the bag so to speak.

Looking for a way to reclaim my life and to support my children on my own, I found work at a local collection agency. Yes, I was one of those,you know the people that call you all hours of the day and night to get your money that you just don't seem have. Quaint little job. I didn't get paid much but it paid the bills.

One weekend when I was picking my daughter up from her father's house, my life seemed to undergo yet another set-back. I remember as I was driving down this curvy road at about dusk thinking to myself "what happened to my life", "will I ever be happy again?' "GOD, please show me the way to a better, happy life". All of a sudden, much to my chagrin, I hit a curve (not speeding mind you) and my car did a 380 degree turn into a ditch. I remember as I laid there thrown into the back seat (no my seat belt was not on) in shock," GOD, this is not my idea of a better, happier life could you please work with me here." As I lay there, I can't even imagine what had happened to me so all of a sudden. I couldn't move, I couldn't speak, I couldn't see if my little girl in the back seat was injured. "What did I do to anyone to deserve this penance" I thought to myself. The next thing I knew I was being removed from my car that, by the way, held up to this accident better than I did. And, off I went in a Life flight helicopter to the nearest trauma center in St. Petersburg, Florida. I remember when I was in the ER the immense pain I was having and begging someone to please knock me out. "Knock me out and put a cast on this leg. I have to get to work tomorrow," I grumbled to the ER doctor and his staff. The ER doctor firmly replies to me "young lady, I would be more concerned about saving that right leg of yours than going back to work!" What? How could this be? My leg? My right leg? Ok, I thought to myself gather your sanity and find out what's going on here. "Doctor" I said with all do respect, what is wrong that I may lose my right leg? He replied in an educated and very matter of fact tone that I had indeed damaged a main artery in my right leg namely, the popliteal artery". You see my leg was neither broken nor fractured. I didn't even have a cut or bruise on me anywhere to speak of. My knee was dislocated severely and crushed the main artery cutting off the blood supply to the rest of my leg and foot. WOW, imagine that I'm facing losing my leg. Here we go again. "GOD, where are you? Help me!" I can't lose my leg. I have three kids and a job. I have to get back to work.' Ok, Doc, lets get this show on the road', I say without a worry on my mind.

Following that very thought I was on my way to a vascular surgery. Half knocked out and half awake I can see the bright lights of the Emergency Room and all the movements of the ER staff scuttling around me. NO! It was not St. Peter and the angels. It was real. It was happening. It was an OPERATION. Yes, before I knew it I was undergoing vascular surgery to repair my damaged artery. The next morning I was awaken by the sounds of beeping noises and people talking at a low whisper and most of all too unbearable pain. "What did they do to me last night?" "My GOD above PLEASE this time hear my cry" and "take this pain from me!" That smell I will never forget that smell. The smell of the hospital and I can't even describe it. The smell of blood, fear, pain, and death is my best analogy. Spooky, scarred for life I am. I had awakened enough for a nurse to tell me that I had been repaired and that as long as I kept a pulse in my foot that the vascular surgery was a success. My right leg was gutted like a fish. I was filleted on each side of my leg and the wound stuffed with gauze. The bandage changes were horrible. There is not enough morphine in Gods green earth to suffice the pain of those bandage changes especially at a rate of four times a day. Well, as a day turned into a week and weeks into months I wondered if I was ever going to get out of that ICU. When will I get out of here? I wanted so badly for this to just go away and" GOD, I'm sorry for complaining. I will gladly go back to my life being a single mother and working for the collection agency." and "No more complaining- pinky swears!" My never ending bargaining with my maker did not stop my suffering.

Two weeks after the vascular repair surgery I was told that the surgery had failed and that I would need to get my right leg amputated just about four inches below the knee. The only thing that I can recall about that wretched information was the thoughts of "just get it over with". Needless to say I woke the next morning with this big white bandage wrapped around my leg. Whoa! Where did my leg go? Is this really happening? Someone wake me form this nightmare. I went through many more weeks of indescribable pain and agonizing bandage changes. But, most of all I went thru emotional torment. Will I ever walk again? How can I raise my children being maimed? Will any man ever want me again? I felt I was doomed for a lonely, depressing, unfulfilling life. I cried so much that I couldn't see straight. I wanted my "old" life back. I couldn't see past the ugliness of a woman with only one leg.

As the days went by, I had received all the bandage changes I could take and all the physical therapy one person could endure. It was time for m e to get off my pity party and start figuring out how to live life to the fullest. After all," many people with disabilities live full, happy and normal lives", so said the shrink. I fought my way out of that bed. I actually hopped to the sink on my one good leg to wash my hair, face and teeth that day. This was the day I was to be resurrected from my deathly depression and live again.

My determination was unstoppable and all I could think about was getting home to my family and my own bed. Hey, a little of moms home cooking would be great too. Oh yes, a job! I need a job! I was finally released and off and running I went. Well, off and hopping that is. I went home me, my wheelchair, crutches and walker. I learned to do everything as I did before but much more creatively this time around. I was stronger than I had ever been before. Its Funny how life's circumstances change people.

After all the healing the therapy both physical and mental, I was now back in the social loop again. Although in my wheelchair, I was out in the public limelight as I once was. So I thought. It was during this time that I had my first feeling of being an outcast, a freak, different, even a minority. Let me explain.

My first experience came one day when I was shopping in our local food market in my little home town. I was rolling right along in my chariot (wheelchair) and I noticed that no one would look at me. "Hello, down here" I would think to myself as the people just passed me by. Am I invisible, am I contagious? What a feeling of loneliness and hurt came over me. People in my very own town had trouble accepting me with only one leg. "I'm still the same person, I lost a leg not a brain" I would utter in my mind. My boyfriend "Frank" always made me hold my head up high no matter where we were. "Make them look at you he used to say". I often wondered if it was because they were uncomfortable, maybe they didn't know what to say to me now. So, if they ignored me. No one would have to deal with it. But, I dealt with it. The feeling of being a social outcast because of my missing limb was the single most awful feeling.

Now that all the doctor visits had slowed down and my leg was healed I learned how to walk on prosthesis. OUCH! That hurts. Every step I took was a reminder that I was indeed handicapped. But, oh how rewarding it was to be out of my chariot and walking again. Although with a severe limp, I started taking steps one foot in front of the other to rebuild my life. I managed to figure out how to use this mechanical leg and I used it. Every day I got up in the morning put on my leg just as most would put on socks and shoes and I went out into society to find employment. I spent many hours and days creating and compiling my resume'. I dressed for success as the professionals instructed me. I went business to business passing out my resume. I went online and found jobs that I was qualified for and probably killed many trees faxing my résumés' out. Eventually, the phone started ringing and job offers were pouring in. Was I finally getting back into the workforce? After all, I couldn't support three kids on Social Security Disability payments. And you know what? I didn't want to live off Social Security. I wanted to work. I didn't sustain brain damage in that car accident- I lost my leg. I still had my education my experience and my determination to be "normal". Now, with all the interview appointments I was getting surely there was a job out there for me. I started going to the interviews one by one. I would go into these offices and smile, introduce myself and offer a firm handshake. I spoke to these potential employers with confidence all the while shaking inside. I always left with a great feeling about the interview and went home to wait for the final invitational phone call. Unfortunately, these phone calls never came. I asked myself why I could not land these jobs. I am qualified, I am dressed professionally, I'm confident and I all but willing. My next step was to evaluate myself.

So, I retained a Job Consultant. She critiqued my resume', my attire, my interviewing skills. She even found job openings for me to apply for. She spent many hours and days taking me around our town and surrounding cities to look for employment. As I pounded the pavement, I continued to get interviews but, could never get the jobs. Talk about depressing. I was giving up. It must be me. I am surely doing something wrong or was I? Could it be that my intrusive limp made these employers feel I was a liability? Or that maybe I was contagious. I had some form of an airborne disease? Maybe they thought I would call in sick and take too many days off. What ever the reasons were I guess I will never know for sure. I do know that I was being turned down for jobs that I was perfectly capable of doing.

Here it is in a nutshell. I am still looking for employment. And I must say that even though my bank account is empty my life is full. I am determined not to give up. Society and all its evil presumptions and discriminations can't take me down. I'm a fighter and with my spirit and will. I know that something will eventually come along. What is social acceptance? It's how you accept yourself. Trust me! If you love yourself and keep smiling, society has no other choice but to accept you too. Why is social acceptance so important to us? Well again, that is all up to you. It's only important if you make it important. Who cares what people think? Are you honest? Do you work hard? Do you care for others as you do yourself? That's all that matters. You may be saying" what's the point of this long story you still don't have a job" and your right I don't. However, I have dignity, pride, happiness, love and determination. How do we overcome society? Keep our sights on our own happiness and don't put much thought into what the world expects or don't. Keep smiling, never give up and let this world of bigots' judge someone who cares!

Written by:

Lori A. Berube

All Rights Reserved








Lori is a 37 year old single, disabled mother. She is currently working on her AA at her towns local community college.

Not All Adoption Agencies Are Created Equal

An adoption agency is one of the most important institutions around - for parents and children alike.

I've always been a strong supporter of adoption. For women who are pregnant and just aren't ready to be a parent. And for those who aren't able to have children naturally. Adoption is the perfect solution to their problems.

There are so many children in our own country that are longing for a secure and loving home. And there are also so many parents having children that probably shouldn't be allowed to have a child within arm's reach.

Are you having a baby and find yourself feeling frightened, alone or overwhelmed? Getting in touch with an adoption agency may be the best thing for you and your unborn child. The social workers at an adoption agency are very experienced and will guide you through what may be the most important decision of your life.

In fact, many of the adoption agencies won't just be there to complete the formalities, they can also provide you with counseling and friendship as well. You may discover that you can handpick the future parents of your child or choose not to be involved at all. You might be surprised at the many options that people at the adoption agency can provide to you.

Are you looking for a new family member to adopt? Contacting an adoption agency can also be the best form of guidance that you'll have. A social worker will be there for you every step of the way and help assist you in taking on this new challenge.

You might not be fully aware of the many options available to adoptive parents. Some people find that the costs are more than what they anticipated and others feel that they aren't paying as much as expected.

The adoption agency is experienced with and will take care of the legalities for you - that's a big stress reliever. You can also look into private adoptions as well, but I'd recommend a reputable adoption agency just to be sure that everything goes legally and smoothly.

To find the nearest adoption agency - look in your yellow pages or do research on the internet. But just because an adoption agency is close to where you live doesn't necessarily mean that it's the best choice for you. Be sure to check out their reputation. Have there been any legal issues or complaints?

When visiting them, take note of any things that may not make sense to you. If you have any doubts about the agency or the social workers, you might want to find someplace else that will make this new adventure much more comfortable for you. It's wise to trust your instincts. Adoption is too important to take any risks.








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What You Should Know About Nursing School Policies

The American Nurses Association or the ANA is not only a conglomeration of the US' 2.7 million registered nurses through its 54 constituent member nurses associations. The ANA is a full-service professional organization that actively advances the nursing profession by fostering high standards of nursing practice, promoting the rights of nurses in the workplace, projecting a positive and realistic view of nursing, and petitioning the Congress and regulatory agencies about the health-care issues affecting both the nurses' practice and the public's health. That is why, with these ideals, the ANA is quick to respond to the recent study of the Health Affairs Journal calling for significant action from the legislators of nursing school policies pursue significant changes in the nurse staffing legislation.

The recent study published by the Health Affairs journal reveals that there are more than 6,700 patient deaths and a total of 4 million agonizing days of patient care in hospitals annually. This called the attention of the president of the American Nurses Association (ANA) Barbara Blakeney, MS, RN, since the study presents new evidence that the current nursing school policies are inadequate in organizing the sufficient staffing of nurses in the hospitals all across the United States. This is parallel to the findings of the ANA's own report, "Nurse Staffing and Patient Outcomes in the Inpatient Hospital Setting", released in May 2000 plus three other studies published in 2002, which found direct links between inadequate nurse staffing levels and critical patients' health outcomes.

The ANA nurses' most important concern nowadays is to delivery quality patient care through adequate nurse staffing because it allows more time to appropriately assess patients and their needs and initiate suitable health-care interventions. This points to the most urgent issue faced by the ANA nurses - the fact that the administrators of nursing school policies have viewed the nursing profession as an expense rather than an investment.

Deficient nursing school policies limiting expansion of the nursing profession disregards the economic value of nursing care as a critical investment for providing quality, cost-effective care of patients by more nurses in order to save more lives. The lack of investment-support for more sizeable nursing school policies encouraging more individuals to practice the profession also eliminates the anticipated financial savings benefits per avoided patient death or hospitalization once there is an adequate nurse staffing in hospitals.

The ANA also pushes the decision-making body of nursing school policies to look at other considerations such as monitoring the experience level of nurses working on specific hospital-units, patient acuity, and support services and resources, additional research exploring more thoroughly the financial implications of nurse staffing investment, as well as accounting for the number of patients dealt with by the mix of nursing staff. Apart from the societal benefits of providing better nurse staffing, all these should be the driver in advancing appropriate nursing school policies that avoid the nursing shortage, and rather to encourage and educate more sufficient numbers of new nurses.








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