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Min Ho Park

Don't Let Nursing Homes Keep Elderly Married Couples Apart by Springhill Care Group - 0 views

http://springhillcaregroup-katarakumar.blogspot.com/2013/05/dont-let-nursing-homes-keep-elderly.html     According to a new study from the University of Alberta in Edmonton, Canada, senio...

Don't Let Nursing Homes Keep Elderly Married Couples Apart by Springhill Care Group

started by Min Ho Park on 20 May 13 no follow-up yet
Springhill Care

Springhill Care Group: Don't Let Nursing Homes Keep Elderly Married Couples Apart - 1 views

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    http://springhillcaregroup.net/archives/255 According to a new study from the University of Alberta in Edmonton, Canada, seniors work hard to keep their marriages alive and well, even after one spouse falls ill and goes into a long-term care facility. Community-dwelling spouses were greatly drawn in the lives of their partners who are inside the institution, and that a lot of the couples remained active together may it be inside or outside the nursing home Researcher Robin Stadnyk was surprised to discover about this. Stadnyk is a post-doctoral researcher in the University of Alberta's Department of Human Ecology. She reviewed data from a qualitative study of 52 community-dwelling spouses in three Canadian provinces: Alberta, Manitoba and Nova Scotia, for her PhD research. According to her research, the participants were heavily involved in their spouses' lives, not only through caretaking duties like doing laundry and helping with personal hygiene, but also through nurturing activities that brought them closer together. "Most participants described close relationships with their spouses before the placement in a long-term care home. They simply found ways they could continue that closeness within the institutional walls," Stadnyk noted. Marriage-sustaining activities included watching TV together, studying travel brochures and reviewing diaries to relive old memories, even taking painting lessons together. For regular weekly and even daily visits, some spouses do is they bring their partners home. A loving story of an 82-year-old man in the study took weight-training just so he could lift his wife in and out of the car for the weekly trip home. "The findings defy the common assumption that the partnership of marriage effectively ends when one spouse enters a care facility," Stadnyk said. Changing roles as give-and take-partners to compassionate caretakers, husbands and wives of partners with dementia carry on with nurturing their marriages. One of the thi
Springhill Care

Springhill Group Reviews: Senior Care Technology Round-Up Providing Better Living for E... - 0 views

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    Tech companies put into view their newest improvements in senior care. To help seniors age in place they provided gadgets to aid their needs from personal robots and virtual exercising, to remote-monitoring technology that tracks vitality and detects injuries yet companies are still developing new tools. Mobile App Provides Enterprise-Wide Analysis, Enables Competitor Comparisons Web-based staff scheduling and shift management software for the healthcare industry, OnShift announced its new app OnShift Mobile. The main focus of the app is for on-the-go executives in the senior care industry, it delivers top-down analysis into staffing and labor management. The intend of making prompt and well-versed decisions in improving operations, labor costs and resident care, OnShift Mobile expands the functionality of OnShift staff scheduling software with key workforce analytics so executives expand actionable insight across properties. There are different features included such as: tracking staffing levels; overtime and occupancy status against budgets; insight at the enterprise, region, division and facility/community-basis; the ability to compare their organization against other regions, divisions and properties with new peer analysis capabilities. Social Media Tool Recruits Client Leads, Provides Caregiver and Patient Updates "Social media and aging senior care don't seem to go hand-in-hand. But for Home Care Assistance, an in-home senior care company, social media has been an invaluable tool for growth, propelling the business to hit $63 million in revenue in 2012 and grow 25% year-over-year for nearly a decade," reports Fox Business. "The company uses social media as a recruiting tool for new client leads, provide updates on its caregivers and patients as well as to offer health tips for the elderly." "There are a lot of misnomers and myths propagated by our industry about social media," she says. "The primary health-care de
Boris Dwight

As Senior Citizens Savour Care Homes: Home Care Group Springhill blog reviews - 1 views

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    http://www.thisdaylive.com/articles/as-senior-citizens-savour-care-homes/137658/ With increasing neglect by family and friends, coupled with the pressure of making ends meet, a growing number of elderly people are resorting to care homes to spend their final days on earth. Chiemelie Ezeobi writes The woman in the picture now lives at the Regina Mundi Home for the Elderly in Mushin, a Lagos community. She was abandoned by her family. "Isolation, discrimination, neglect and poverty are forcing elderly people to live a dismal life in care homes across the country," says Olubunmi Owosho, a social psychologist. At Regina Mundi Home for the Elderly, some of the people at the home were abandoned by their families in their old ages while some actually arrived there with the help of their family members who could no longer cope with caring for their needs. "It is important to make the elderly feel that they are still very relevant to the society. Some of them have worked for years and have contributed their quota to the society but were abandoned in their old age," says Anthonia Adebowale, a reverend sister. "Some have children whom we have to practically force to come and see them while others have irreconcilable differences with their relatives. "The elderly are often seen as the reservoirs of knowledge and the voice of wisdom whose fountain of experience are often needed to steer the ship of life. With the blessing of old age often comes the maturity to handle issues and therefore deserve to be supported and made happy and comfortable in the twilight of their ages," she explained. Reports suggest that there is evidence that the traditional practice of caring for parents began to erode under harsh economic conditions in urban areas across the country. For instance, there is absence of a social security system and only a minute percentage of the population older than 60 receives pensions before death. Analysts say, rapid urbanisation has displaced the
Victoria Chase

Springhill Care Group: Fool Fridge/ Land Of Serious Topics | News - Springhill Group Fl... - 0 views

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    Guns don't kill people; people kill people; and people with guns kill even more people. They also save more people who would otherwise be at the mercy of the criminals. SPRINGHILL TOWNSHIP, Pa. - An 85-year-old great-grandmother in Fayette County busted a would-be burglar by pulling a gun, then forcing him to call for help while she kept him in her sights. http://www.thepittsburghchannel.com/news/17232825/detail.htm… Venus Ramey, 82, confronted a man on her farm in south-central Kentucky last week after she saw her dog run into a storage building where thieves had previously made off with old farm equipment. Ramey said the man told her he would leave. "I said, 'Oh, no you won't,' and I shot their tires so they couldn't leave," Ramey said. She had to balance on her walker as she pulled out a snub-nosed .38-caliber handgun. "I didn't even think twice. I just went and did it," she said. "If they'd even dared come close to me, they'd be 6 feet under by now." http://www.foxnews.com/story/0,2933,267540,00.html Hancock County Sheriff's Investigator Andre Fizer said about an 84-year-old man's decision to shoot through a house door at another man who was trying to barge into the house: "You could tell he was devastated. You could tell he was scared." And rightfully so. Twenty-year-old Wade Ledesma made repeated attempts to break in to the house at about 5 a.m. on July 27, threatening to kill him throughout. Ledesma "tried to break through the front door and also tried to enter through a back door and a rear window of the residence. The resident called 911 and reported that the intruder was trying to force his way into the home…. [The elderly man] held himself against the door to keep [Ledesma] from entering," reported the Sun Herald. The resident became tired from holding the door and, worded about his and his wife's safety, asked his wife to get his pistol. He fired a shot through the door, meant to merely be a warn
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    Guns don't kill people; people kill people; and people with guns kill even more people. They also save more people who would otherwise be at the mercy of the criminals. SPRINGHILL TOWNSHIP, Pa. - An 85-year-old great-grandmother in Fayette County busted a would-be burglar by pulling a gun, then forcing him to call for help while she kept him in her sights. http://www.thepittsburghchannel.com/news/17232825/detail.htm… Venus Ramey, 82, confronted a man on her farm in south-central Kentucky last week after she saw her dog run into a storage building where thieves had previously made off with old farm equipment. Ramey said the man told her he would leave. "I said, 'Oh, no you won't,' and I shot their tires so they couldn't leave," Ramey said. She had to balance on her walker as she pulled out a snub-nosed .38-caliber handgun. "I didn't even think twice. I just went and did it," she said. "If they'd even dared come close to me, they'd be 6 feet under by now." http://www.foxnews.com/story/0,2933,267540,00.html Hancock County Sheriff's Investigator Andre Fizer said about an 84-year-old man's decision to shoot through a house door at another man who was trying to barge into the house: "You could tell he was devastated. You could tell he was scared." And rightfully so. Twenty-year-old Wade Ledesma made repeated attempts to break in to the house at about 5 a.m. on July 27, threatening to kill him throughout. Ledesma "tried to break through the front door and also tried to enter through a back door and a rear window of the residence. The resident called 911 and reported that the intruder was trying to force his way into the home…. [The elderly man] held himself against the door to keep [Ledesma] from entering," reported the Sun Herald. The resident became tired from holding the door and, worded about his and his wife's safety, asked his wife to get his pistol. He fired a shot through the door, mea
tahki unbehagen

Springhill Group: Treat Childhood Obesity/BLOGGER/CURRENT/LIVEJOURNAL - 1 views

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    Springhill Group You may find fat kids cutie ones but they may be starting to suffer from obesity. Obesity is a serious medical condition that often leads to serious diseases. Childhood obesity often carried out until adulthood, more health complications may occur. And obesity plays a significant role in causing certain so called 'adult ailments' in our children such as high blood pressure and high cholesterol. Childhood obesity is usually caused by eating too much and not getting enough exercise. While there are some genetic and hormonal causes of childhood obesity, studies show the primary cause of children being overweight is due to lifestyle issues such as eating more calories than is needed to support their growing bodies, daily activities and metabolism. All experts agreed that obesity is a health risk that may result to the following health problems for children. Hypertension Type 2 Diabetes Orthopedic Sleep Depression Asthma Body Mass Index (BMI) Height and BMI Heredity Signs of stress of weight on lower limbs and joints Absence of logical thinking How to treat obesity in children: If your child has a weight problem you should a consult a doctor or nutritionist. A healthy eating plan is strongly suggested. This is also to make sure that no serious health problems have developed. Some parents delay this action in the hopes that the problem will just go away but this delay can cause more complications and illness and I will get worse. Not only obesity can cause many health problems but it can also cause variety of emotional problems. Their being obese can lower their self-esteem. So do not make them feel bad more about themselves, they had enough from school instead just need to help them by developing healthy eating and exercise habits, and lots and lots of moral support. You should be aware avoiding making their weight as an issue, if you will encourage him to focus on his weight tendency is that their self-esteem will suffer more rather it
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    You put really very helpful information. Keep it up. Keep blogging. Looking to reading your next post
angolazapatero

Springhill Group Seoul : Springhill Groups: Springhill Group Counselling - 1 views

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    springhill groups Springhill Group Counselling believes it is significant that each of us needs to understand what counselling and psychotherapy is about and what they should anticipate from the procedure of therapy. Nurturing knowledge among community is a significant purpose for every organization. This website has been aims to help people find out more about counselling Psychotherapists are starting to become more alert on the reality of how dangerous the double-edged nature of their profession is. Being effective in addressing client concerns is only but a part of the job - keeping your head is just as important. Just like how a clean broom can get all dirty and messed up through continuously doing its work of cleaning the floor, so can the therapist get vulnerable to difficult feelings by dealing with clients. Psychotherapists are indoctrinated early on that they need to be emotionally stable to cope with the challenges of the profession. And oftentimes, it's that very thing that can make a therapist struggle. It's as if they are not allowed to feel emotions like boredom and exhaustion. They were taught that having struggles with work as a psychotherapist are all because of your own personal issues or mere lack of experience. Unfortunately, issues that are not addressed properly can eventually lead to burnout.You can be effective in your job but still feel stressed, frustrated or self-doubt. Most therapists are aware that work issues tend to affect personal relationships. Exhausting someone's emotional capacity in such a line of work can result in him having none left for interacting with family members. They are not alert to the fact that, being also a human, they have personal feelings towards their career that can come to the surface. And in fear of being labeled unprofessional, they refuse to recognize those emotion and just continue going through their daily routine. To add to their burden, they cannot
Springhill Care

Springhill Care Group | Gentle Exercises: Seniors' Yoga - 1 views

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    http://springhillcaregroup.net/archives/251 Yoga is very much popular nowadays and we all know it benefits while others think that it is hard to do and much more to elderly. The question is; can seniors, above 65, do yoga asanas? And the answer is of course, it is actually can do good for them as much as it can do well for any age. All ages and from all walks of life to utilize the techniques of yoga for creating a harmonious and joyful existence.Older people can do asanas. Union of the various aspects of our existence like body, breath, mind etc is the basic premise in yoga. The word yoga comes from a Sanskrit root 'Yuj meaning 'to unite'. But they can only do so provided they keep some guidelines in mind. The kind of asanas one should do as age progresses are the following: * Substitute warm-ups with brisk walking and joint movements. * Standing Yoga Poses Triangle Pose (konasana series) and Standing Spinal Twist (Kati chakrasanas) * Sitting Yoga Poses Butterfly Pose, Cradling (if possible), body rotation, Cat stretch and Child pose (Shishu Asana). * Yoga Poses lying on the back or stomach Focus on repetitions rather than holding any posture such as the Cobra Pose (Bhujangasana), the Locust Pose (Shalabhasana) or the Knee to Chin Press (Pawanmuktasana). * Yoga nidra is by far the most essential part of any yoga practice, and as age progresses, it becomes even more essential to help assimilate the effect of the asana practice into our system. There is also some easier exercise for seniors like, Sukshma Yoga. This can be practiced independently or in a group to be a part of a larger yoga plan. All ages can do the exercise and can receive its benefits for only within 20-30 minutes. It consists of simple and gentle exercises for the eyes, tongue and jaws, neck, hands, feet, knees, ankles and hips. Seniors should practice yoga asanas by following some guidelines. The Patanjali Yoga Sutras identify asana as "sthira sukham asanam" that define as st
Springhill Care

Springhill Care Group: Why Laughter is the Best Medicine - 0 views

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    We all hear this often, laughter is the best medicine. Despite the fact that this may be an old saying, it still holds as true up to present. Laughter grants a lot of health benefits. And what makes it a lot better, best of all, it is free and easy. Laughter helps to unite people going through difficult times this is according to HelpGuide.org. It can be able to also mend feelings of defeat and resentment, make anger softer, and generally help people become resilient or even losing someone. The therapeutic effortlessness of a soft smile or a hearty belly laugh has more of benefits than what was mentioned. It is much like of an exercise, there are many benefits plus the physical benefits of laughter can last for hours. These helpful gains may aid to: * Brighten mental clarity * Reduce blood pressure * Spark the immune system * Relax muscles and ease digestion * Release endorphins to dampen pain * Boost oxygen levels to the brain and circulatory system As a universal lingo, laughter is capable of also building social ties and dispersing anxiety. It smooths the progress of relationship and permits attachments while dropping social fear factors. Steve Wilson, Director of National Humor Month and Founder of The World Laughter Tour, started an international happiness epidemic in laughter clubs and outreach programs led by Certified Laughter Leaders. His methodology "utilizes a systematic activity approach that is based on a foundation of both ancient practices and modern medical science," and it supports primary treatment as an adjunctive therapeutic modality. Group laughter can also save you away from pain and depression through natural release even though anger and crying has long been conventional vehicles for catharsis and release in psychotherapy. Its consequence can be in impulsiveness of thinking and make the horrifying more reachable. This constructs a height of consciousness where one can move a bit further and w
Katara Kumar

SPRINGHILL GROUP: Cost and Coverage of Home Care - 0 views

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    Nursing home is a home combined with skilled nursing care, rehabilitative care, medical services, personal care, and recreation in a supervised and environment. Letting your love ones stay in the nursing home may be hardest decision but choosing the right home will be next hardest. Entering the nursing home doesn't mean that the family involvement ends, instead it is their responsibility to make sure that the home care provides good care. Remember the following when choosing the best home care: * Have a discussion with the loved one who will be living there. This will aid in adjusting to the major life change about to occur. * Work together with other family members and inquire for help in finding the best nursing home. * Be in touch with doctors, nurses, or any other health professionals or social workers who care for your loved one. * Chat with some nursing home employees, especially assistants since they give most of the care. * Solicit a pastor or rabbi for guidance. * Contact the long-term care ombudsman. People often think that home care is expensive and yes nursing home care can be expensive. It can differ widely depending on where you live but often the average cost is more than $50,000 a year and rising. Sadly, employee health insurance does not pay for nursing home care. A great number of nursing home residents, about a third of its population, pay all of their nursing home expenses from their own funds. Long stay in a home care can consume all your or your loved one's savings fast. There are many who exhaust their finances after just six months. And about a five percent of them buys long-term care insurance, which covers the cost of a nursing home or other extended care. Medicare, the federal health insurance program for older persons and some younger ones with disabilities, pays for short-term nursing home stays but the rest, about two-thirds, are from the Medicaid. The greatest share of the residents to pay
Rich Parker

Springhill Groups Home care for elderly to change - 0 views

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    THE future of the Home and Community Care Services (HACC) program in Bundaberg is up in the air with Wide Bay Hospital and Health Service (WBHHS) considering privatising the service. It could come as soon as March this year, with the final decision resting with the Federal Department of Health and Ageing (DoHA). WBHHS chief executive officer Adrian Pennington said transferring the delivery of HACC services to another provider was still a proposal but the change could affect about 800 clients in the Bundaberg region and 600 in the Fraser Coast. Mr Pennington said while clients could expect to receive similar or equal level of care under a new provider there were no guarantees the service would remain free. "While it would be our preference for our clients' sake to keep the service free, we are unable to speculate what fees, if any, would be applicable in future as this would be determined by the new provider," he said. "These clients will be notified of changes to the service via a letter this week." HACC provides many services including meals on wheels, transport and nursing care to support older people to stay at home and be more independent in the community. When the NewsMail asked how many jobs could be at risk Mr Pennington said: "As the consultation process with staff is ongoing, at this time I consider it premature and inconsiderate to discuss publicly staffing matters relating to HACC services." He said a meeting had been held with staff last week to provide help including contact details for organisations including the Employee Assistance Scheme. "We recognise this is a deeply unsettling time for people and I want to offer my assurance that we will support all staff and clients affected," he said. He said the details of the proposal were still to be finalised. "We are yet to properly liaise further with the Federal Department of Health and Ageing and the Queensland Department of Community Safety (DCS) as to what a transfer of
Gary Mason

Springhill Groups Home care for elderly to change - 0 views

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    THE future of the Home and Community Care Services (HACC) program in Bundaberg is up in the air with Wide Bay Hospital and Health Service (WBHHS) considering privatising the service. It could come as soon as March this year, with the final decision resting with the Federal Department of Health and Ageing (DoHA). WBHHS chief executive officer Adrian Pennington said transferring the delivery of HACC services to another provider was still a proposal but the change could affect about 800 clients in the Bundaberg region and 600 in the Fraser Coast. Mr Pennington said while clients could expect to receive similar or equal level of care under a new provider there were no guarantees the service would remain free. "While it would be our preference for our clients' sake to keep the service free, we are unable to speculate what fees, if any, would be applicable in future as this would be determined by the new provider," he said. "These clients will be notified of changes to the service via a letter this week." HACC provides many services including meals on wheels, transport and nursing care to support older people to stay at home and be more independent in the community. When the NewsMail asked how many jobs could be at risk Mr Pennington said: "As the consultation process with staff is ongoing, at this time I consider it premature and inconsiderate to discuss publicly staffing matters relating to HACC services." He said a meeting had been held with staff last week to provide help including contact details for organisations including the Employee Assistance Scheme. "We recognise this is a deeply unsettling time for people and I want to offer my assurance that we will support all staff and clients affected," he said. He said the details of the proposal were still to be finalised. "We are yet to properly liaise further with the Federal Department of Health and Ageing and the Queensland Department of Community Safety (DCS) as to what a transfer of
Rozen Monroe

springhillcare Presentations - 0 views

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    Springhill Care Group : Can you choose your own term mortgage? 10April 2012 - SpringhillCare - SlideShare - People are relying on mortgage in order to buy their own house. Investing in a house is considered to be the biggest financial commitment one can ever make. Therefore, it will be beneficial for the consumer if you could choose your own mortgage term. Before you apply for a mortgage loan make sure that you take help of a loan mortgage calculator to calculate your monthly payment. This will help you determine the mortgage loan that you can afford to take out. When a borrower chooses his own term mortgage then it will be easier for him to pay off the owed amount without a single default Quicken loan offers "YOURmortgage" where the consumers will determine the length of the mortgage where you can choose the term between 8 to 30 years. Therefore, if you are not keen to apply for a standard 30 or 15-year term then refinancing your mortgage into an 18-year fixed or a 24-year fixed loan can be beneficial for you. If your loan term is short then interest rate will be comparatively lower, thereby you can save considerable amount of money.  If you take out 15 years fixed term mortgage then the interest rate will be lower than 30 years fixed term mortgage. So you can save considerable amount of money with a shorter term as less interest will be paid over a shorter amount of time. In shorter term mortgage you pay less as the loan amortizes faster. But remember that the monthly mortgage will be higher if your loan term is shorter. So this is considered to be a drawback of this mortgage program. Reason behind choosing your own mortgage term: You can choose your own mortgage term in accordance with your budget. This will help you avoid burning a hole in your pocket while paying back the owed amount. You can set your mortgage term according to age you plan to retire. Therefore, before your retirement you'll be able to pay back the mortgage loan and avoid def
Floyd Filbert

Obits for Apr. 2, 2012 - 0 views

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    Hazel Sarah Musfelt Hazel Sarah (Perreten) Musfelt, 96, formerly of Rushville, passed away March 29, 2012 at the heritage Nursing Home in Bridgeport. She was a resident of Sheridan County most of her life and also resided in Cherry County for twenty years. The eldest of eight children, Hazel was born December 30, 1915 to the parents of William and Lulu Perreten at the home of her grandmother Sarah Spittler in Hay Springs. She was baptized February 14, 1927 at Clinton with the Rev A.E. Richardson. While at home, Hazel worked in the fields alongside her father and spoke very admirably of him. Growing up she rode her horse four miles to District 14 School and also back and forth to town to take music lessons from Mrs. Roland Fairhead, tying her horse to the hitching post, east of where the bank offices used to be, now the Chamberlain Garage. Later she drove the horse and buggy to pick up the neighbor children and the teacher. In high school her father got her a Model T Ford to go to school during the winter months and recalls she would have to drain the radiator so it wouldn't freeze then got into the boiler room in the school to heat up water before heading back home. After graduating from Rushville High School in 1935, Hazel cooked for the Sandoz Ranches. She married Edward Musfelt, a ranch hand from the Sand Hills. Their union was blessed with one child, daughter Bonnie Mae. They worked at different ranches before Edward went to work at the Dept of Defense at Sidney, Harvard, Alliance and Crawford. They leased the Hanchett Ranch for 16 years in Cherry County on share basis (half calf crop.) She worked side by side with her husband putting up hay; mowing, sweeping, raking and also fixing fences. She also raised 500 chickens, and her cellar was full of canned meat, vegetables, fruits, jellies and she made her own soap. They then ranched south of Eli for 9 years for Stan and Ada Mae Boltz. In 1965, Hazel and Edward purchased and operated the Hills Motel in Gordon for
Springhill Care

Springhill Group Home : Demand for personal care aides expected to grow | RedGage - 0 views

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    As the American population grows rapidly, the field of healthcare becomes alert of the upcoming strong demand for senior healthcare providers. view link here: http://www.redgage.com/blogs/trishakolens/springhill-group-home-demand-for-personal-care-aides-expected-to-grow.html Personal care providers do not really do physically invasive therapies and are not under the supervision of a nurse, there are no existing federal qualifications in place for this profession. However, nursing aides are required by government to have certain certifications to ensure their capabilities. It is an essential measure to protect the senior population. For instance, a caregiver who is not alert may effectively endanger his charge and lead to disastrous results. Several states do have regulations in place to address the caregiving sector. In California, each county has to keep a record of healthcare providers that consists of background checks and referrals. While in Washington, aides should have finished 75 hours of basic training and pass an exam. However, others seem to be more focused on direct care providers in general when establishing relevant legislation. Actually, most of the elderly only needs assistance in day-to-day activities and do not need a medical professional to look after them. This is where the legislators need to address. Creating policies that concern caregivers is essential to the long-term care policy of any country. With the growing number of elderly people, the need for safe and effective caregiving for seniors is imperative.
Springhill Care

Springhill Care Group: Can you choose your own term mortgage? - 0 views

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    (SpringhillCareGroup) 28March 2012 - People are relying on mortgage in order to buy their own house. Investing in a house is considered to be the biggest financial commitment one can ever make. Therefore, it will be beneficial for the consumer if you could choose your own mortgage term. Before you apply for a mortgage loan make sure that you take help of a loan mortgage calculator to calculate your monthly payment. This will help you determine the mortgage loan that you can afford to take out. When a borrower chooses his own term mortgage then it will be easier for him to pay off the owed amount without a single default. Quicken loan offers "YOURmortgage" where the consumers will determine the length of the mortgage where you can choose the term between 8 to 30 years. Therefore, if you are not keen to apply for a standard 30 or 15-year term then refinancing your mortgage into an 18-year fixed or a 24-year fixed loan can be beneficial for you. If your loan term is short then interest rate will be comparatively lower, thereby you can save considerable amount of money. If you take out 15 years fixed term mortgage then the interest rate will be lower than 30 years fixed term mortgage. So you can save considerable amount of money with a shorter term as less interest will be paid over a shorter amount of time. In shorter term mortgage you pay less as the loan amortizes faster. But remember that the monthly mortgage will be higher if your loan term is shorter. So this is considered to be a drawback of this mortgage program. Reason behind choosing your own mortgage term: You can choose your own mortgage term in accordance with your budget. This will help you avoid burning a hole in your pocket while paying back the owed amount. You can set your mortgage term according to age you plan to retire. Therefore, before your retirement you'll be able to pay back the mortgage loan and avoid default. You can choose a mortgag
Springhill Care

Indian PM asks Norwegian counterpart to find amicable solution to NRI kids custody row - 0 views

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    SpringhillCareGroup -Seoul (South Korea), Mar.27 (ANI): Visiting Indian Prime Minister Manmohan Singh has asked his Norwegian counterpart Jens Stoltenberg to find an "amicable and good" solution to the NRI kids custody row, especially with a focus on keeping the welfare of the children and the interest of the parents in mind". Singh conveyed this message to Stoltenberg on Monday on the sidelines of the nuclear security summit being held here. Singh reportedly explained to Stoltenberg the importance of family ties in Indian culture, and expressed the hope that the outcome would be positive and within the ambit of the law, besides being in the interest of the parents and their children. Foreign Secretary Ranjan Mathai told media after the bilateral meeting: "The Norwegian Prime Minister also made a reference to the ongoing case relating to the two Indian children, and explained that this was the matter before the Municipality of Stavanger, as well as the local court, and that the interest of the children, as well as concerns of the parents, would sought to be addressed in whatever solution is found." Abhigyan, three, and Aishwarya, one, were placed in foster care by the Norwegian child welfare authorities in May last year, and ever since, the battle for the release of the two kids has been going on. In fact, External Affairs Minister S.M.Krishna had last month sent Secretary (West) M.Ganapathy to settle the matter. However, the custody row has taken a turn for the worse with the Norwegian authorities saying last week that they were not going to hand over the kids to their uncle in view of the "conflicts" in the family. The statement followed reports of differences between the parents-Anurup and Sagarika Bhhatacharya. The two prime ministers also reportedly discussed the impact of the Indian court verdicts on the 2G scam cases. The future presence of Norwegian telecom giant Telenor, which has multi-billion dollar investments in India, hangs in the balance fo
Ranny Stunning

Springhill Group Home Protect Yourself Against Frauds and Scams Identity Theft and Redu... - 0 views

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    Scam, Frauds and identity theft are just some of the threats encountering by the internet users. For the new users this kind of occurrence during their search or conversation on the internet can give them quite idea that these are likely important and can simply hook them up in just a single click. So, if you are one of them and or think that you have been a witness of these blue moons or just simply to be aware about and safeguard yourself, below are the lists of activities or actions that you can take in order to put a fence on your side. 1. Do not use or carry a checkbook When you are paying stuff, it suggests being it in cash or credit card. It's safer to pay your bills through your bank or credit unification online bill paying service which is usually free. 2. Buy and use a paper cutter Identity thieves actually go through homeowner's trash to acquire personal information. For you to put off these thieves objectives, feel Secure to cut any documents that have your social security number or other financial information, such as the bank account number of yours, credit card numbers and the like that can possibly give these people your personal identity. If you don't have paper cutter make use of an alternative through burning these documents completely. 3. Freeze your credit This is to hands off scammers from opening unauthorized accounts in your name or identity. Even if your state is one of the few that does not allow freeze, you can still freeze your files at some of the leading major credit bureaus out there. 4. Make a Do-not-Call List 5. Make a statement to block credit card offers 6. Always put your Social Security card in a safe place When you renew your driver's license, make sure the DMV does not use your Social Security number as your driver's license number. 7. Make use of a different email addresses 8. Use a separate email address This is when you post messages t
Rozen Monroe

Organised investment fraud cost Aussies $113m (Tvinx :: News) - 0 views

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    The Australian Crime Commission has estimated that 2600 Australians have lost more than $113 million due to investment fraud, in the last five years. The findings come in a new report, published yesterday, titled Serious and Organised Investment Fraud in Australia (PDF). The report was put together by Taskforce Galilee, a consortium of 19 government departments, including the Crime Commission, the Attorney-General's Department, the Australian Tax Office, the Department of Human Services and the Australian Communications and Media Authority. In addition to offers for shares in companies, the fraudsters offer green energy investments, new technology shares, lotteries and sweepstakes and foreign currency trading, among others. The report found that most of the operations targeting Australians were based overseas. Many were based in Asia, but were not run in Asia. Those who cold-called victims were generally Australia, English, Scottish, Kiwi or South African. The report stated that the fraudsters commonly used Voice-over-IP, email, phone, mobile phone or SMS to contact victims, and developed fake websites with log-ins that would displace fake balances, to keep the victim investing money in the scam. The victims tended to be male, aged over 35 years, but generally over 50. Small business owners, self-funded retirees and those who are socially isolated were common. The report said that Australian victims were found to be well-educated and computer literate. Home Affairs Minister Jason Clare said in a statement that people could be strung along for months before catching on.
Sandy Hayek

Organised investment fraud cost Aussies $113m - The-looser-it-s-me - 0 views

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    The Australian Crime Commission has estimated that 2600 Australians have lost more than $113 million due to investment fraud, in the last five years. The findings come in a new report, published yesterday, titled Serious and Organised Investment Fraud in Australia (PDF). The report was put together by Taskforce Galilee, a consortium of 19 government departments, including the Crime Commission, the Attorney-General's Department, the Australian Tax Office, the Department of Human Services and the Australian Communications and Media Authority. In addition to offers for shares in companies, the fraudsters offer green energy investments, new technology shares, lotteries and sweepstakes and foreign currency trading, among others. The report found that most of the operations targeting Australians were based overseas. Many were based in Asia, but were not run in Asia. Those who cold-called victims were generally Australia, English, Scottish, Kiwi or South African. The report stated that the fraudsters commonly used Voice-over-IP, email, phone, mobile phone or SMS to contact victims, and developed fake websites with log-ins that would displace fake balances, to keep the victim investing money in the scam. The victims tended to be male, aged over 35 years, but generally over 50. Small business owners, self-funded retirees and those who are socially isolated were common. The report said that Australian victims were found to be well-educated and computer literate. Home Affairs Minister Jason Clare said in a statement that people could be strung along for months before catching on. "This is what happens. The criminal syndicate cold calls the investor, refers them to a flash website and sends them a brochure, promising strong investment returns. After taking their money, they string them along for months or even years, and then the money disappears," he said. "People's entire life savings are stolen by criminals, with the click of a mouse. This type of
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