Group items tagged

(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 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

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

http://seniorhealth.about.com/od/eldercare/a/home_care_opt.htm 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.

Home for the aged is a general term for a facility that cares for elderly people. It is not a question of where but a question of how. How is home for the aged can do good for our elderly? In a fast phase world like ours, finding time for fun and leisure is hard and finding time for family is harder. Sometimes we are left with no choice. We are forced to leave our elderly family members in a nursing home or more popular as home for the aged. There is always two sides in a story, leaving elderly family member in a caring home has advantages and disadvantages. Number of senior citizens suddenly seemed to multiply since 1950's. In 1900 the average life expectancy was forty-five, by 1950 the average life span was almost seventy years; the population has doubled but the number of people65 and over had quadrupled to become 8% of the total. In 1950's more and more population of "retirees" are supposed to get their pensions. Due to this case, extended families are seemed to be an obligation, where elderly had to stay with their sons, daughters or grandchildren. People then began wondering how to accommodate this burden. They started taking about nursing homes, retirement houses, or apartments where they can leave their elderly. Golden years are supposed to have a positive connotation but now the phrase developed into a different meaning. Instead of the "golden years" being now, I a one's old age golden refers to the good old days. Studies showed that people in developed countries are not only living longer, but also remain healthy for much of their lives, unlike in less developed countries, where the elderly tend to be plagued with serious illnesses. Causing them to live longer which means government has to support them because they are already retirees. In order to support them, one must work and working means no one to take care of the elderly. Elderly has a special healthcare although facilities like home for the aged are design

I know that Bristol board is usually used for catalog and book covers, tickets, tags and printing brochures. But as a student of architecture and an avid designer, I use this kind of paper for my scale models (which, for those who are not familiar with the term, is a smaller physical version of something bigger, like a building or an automobile). I currently have several sets of two- and three-ply bristol papers that are used as walls of my scale models. One-ply is almost translucent so I rarely use them. Bristol, as it is commonly referred to, is a kind of paperboard which is ideal for tons of things and comes in a variety of colors. I love using Bristol paper because it's very versatile. I buy a whole bunch of them and stack them on my desk so I have something nice to use in various illustrations, technical drawings and even 2D art forms. Actually, illustration boards are also fine in such purposes but I find it impractical for you can only use one side of it. On the other hand, Bristol board have two working surfaces, so basically, you can use either or both sides. And because I normally use charcoal and crayon as my primary media form, vellum finish is more ideal for me. It has a moderate surface texture which is really apt for friction-based medium. Works well with pens, too! (But if you are more focused on using ink, choose the plate finish Bristol paper instead -- it's glass-like texture is better suited for ink.) The current brand I use is from Springhill Vellum Bristol. This Bristol paper works like a charm. And it's very accessible, even online. Just go to Amazon,s website and search for Springhill Vellum Bristol Gold. One pack contains 5 sheets and weighs a total of 1 pound so it's not that costly even if you order online. Their gold colored is consistent all throughout the papers and it is the exact hue I needed, too! I also found out it worked nicely when used in promotional materials (when I once ran out of specialty paper for our theater presentation)

I know that Bristol board is usually used for catalog and book covers, tickets, tags and printing brochures. But as a student of architecture and an avid designer, I use this kind of paper for my scale models (which, for those who are not familiar with the term, is a smaller physical version of something bigger, like a building or an automobile). I currently have several sets of two- and three-ply bristol papers that are used as walls of my scale models. One-ply is almost translucent so I rarely use them.   Bristol, as it is commonly referred to, is a kind of paperboard which is ideal for tons of things and comes in a variety of colors.   I love using Bristol paper because it's very versatile. I buy a whole bunch of them and stack them on my desk so I have something nice to use in various illustrations, technical drawings and even 2D art forms. Actually, illustration boards are also fine in such purposes but I find it impractical for you can only use one side of it. On the other hand, Bristol board have two working surfaces, so basically, you can use either or both sides.   And because I normally use charcoal and crayon as my primary media form, vellum finish is more ideal for me. It has a moderate surface texture which is really apt for friction-based medium. Works well with pens, too! (But if you are more focused on using ink, choose the plate finish Bristol paper instead -- it's glass-like texture is better suited for ink.)   The current brand I use is from Springhill Vellum Bristol. This Bristol paper works like a charm. And it's very accessible, even online. Just go to Amazon.com and search for Springhill Vellum Bristol Gold.   One pack contains 5 sheets and weighs a total of 1 pound so it's not that costly even if you order online. Their gold colored is consistent all throughout the papers and it is the exact hue I needed, too!   I also found out it worked nicely when used in promotional materials (when I once ran out of specialty paper for o

It is normal for aging people to have a physical and mental decline and it happens in varying rates and this varying case sometimes needs a higher level of support. Those elderly who chooses to stay at their own home for as long as possible need somebody to constantly assess whether they are actually coping. And their children should do so but if the children live in a very far place this cant be possible so they need to assign somebody who is in regular contact with them to do the monitoring. But how can you determine if they need to be transferred to home care? Forgetfulness about household matters, it is sometimes normal but if it can costs their lives it is about time.  Going out and leaving the house unlocked  Losing keys and valuables  Stoves and ovens not turned off  Failure to place trash cans out for collection  Newspapers lying uncollected on the front lawn  Uncollected mail spilling out of the letter box  Household chores not attended to  The yard not kept tidy  Inability to care for the needs of a pet Lack of attention to personal care, if they let go of this they already need help.  Clothes not laundered as frequently as necessary  Inability to match colors when dressing  Dressing in inappropriate clothing for the time of day  Failure to keep scheduled medical appointments  Medication not being taken  A refrigerator containing mostly contaminated and unusable food  Weight loss due to illness or lack of proper dietary intake  Outdoor safety, if they are being a risk to themselves and to others it is time to get help.  Driving ability likely to cause accidents  Wandering around the neighborhood aimlessly  Getting lost  Forgetting where they live Inability to manage personal affairs  Bills that are unpaid  Leaving cash lying around the home  Losing money  Not getting to the bank to obtain cash for necessary purchases  Losing checkbooks and other documents Decline

Time is very essential to everybody. We will never know when were going to loose it. Today everyone seems to be very busy, everybody has to live and in order to live one must work for them. But we cannot work and take care of our parents or grandparents who's getting older and requires more care and attention. We became more concern about their safety at home. It's not an easy task caring for the elderly, especially if you are trying to do it alone. And aside from work, there comes a time when you will need a break, or just some time alone for yourself. With the constant worry that something may go wrong, the respites and personal time become nonexistent. Sometimes we are left with tough decision, whether or not an elderly family member should move into an assisted living facility is often one of the key questions. Home care for the elderly is an option for caregivers who need extra help while offering the elderly person a good quality of life for the rest of their years. To make your decision a lot easier, these advantages of letting elderly live in Home care might help you decide: 1. Seniors are getting more sensitive than usual. One advantage of leeting them stay in home care can give them the sense of freedom, and freedom for them could mean maintaining dignity, dignity which is something seniors feels like loosing as they age. This freedom would not be possible in an assisted living residence. This freedom could also mean that those who receive homecare can come and go as they please-for whatever reason. They can also choose their own meal times so they can eat whenever they are hungry unlike if meals are served to them, they might feel like prisoners. They are left with the feeling of they can decide for themselves. 2. It is proven that caring for pets can reduce stress levels and was also proven to have health benefits for seniors. Homes allow elderly to keep their pets and even beloved possessions with them for these possessions are tied

Getting older could sometimes be a bit frustrating that is why socialization is very important to have socialization for seniors. As much as it is important to everyone it is as important twofold for the elderly. These may come a bit hard to do when we were younger as we were too busy bringing home the bacon and at the same time taking care of the family. As we get older, as life is slowly taking paces as if everything is slowing down including time literally, seniors now has all the time to socialize but the thing now is there is no much of someone to socialize with. As this point in time many friends may have been lost along the way and are no longer part of your long-term friendships. It will be great if you have friends from the past that you still have contact with and remained friends up to the golden age. It will be best for both sides to keep in touch, calling once in a while is a good idea and meeting at least once a month will do great on both parts too. It will also help if you invite new people, it will be more exciting still having to meet new friends and don't worry if you think that you have nothing to do. There will always be lots to do, such as going to a museum, to a park, movies perhaps or stay home eat and talk about books you have read, share stories and experiences. Do not frustrate yourself because possibilities are endless and new relationships as well. If unfortunately this cannot be done anymore, don't worry, there are senior centers that offer socialization. Bingo may sound old and actually a traditional game to play but still fun and popular up to this day. Everyone can still enjoy it. Like earlier there are endless of possibilities, everyone at any age can still enjoy shopping maybe do it once in a while. To add excitement and feel like young again, maybe you can try to choose to make it a girls' night out or a boys' night out so you can plan an afternoon at your favorite restaurant, then shopping afterwards. Maybe

Getting older could sometimes be a bit frustrating that is why socialization is very important to have socialization for seniors. As much as it is important to everyone it is as important twofold for the elderly. These may come a bit hard to do when we were younger as we were too busy bringing home the bacon and at the same time taking care of the family. As we get older, as life is slowly taking paces as if everything is slowing down including time literally, seniors now has all the time to socialize but the thing now is there is no much of someone to socialize with. As this point in time many friends may have been lost along the way and are no longer part of your long-term friendships. It will be great if you have friends from the past that you still have contact with and remained friends up to the golden age. It will be best for both sides to keep in touch, calling once in a while is a good idea and meeting at least once a month will do great on both parts too. It will also help if you invite new people, it will be more exciting still having to meet new friends and don't worry if you think that you have nothing to do. There will always be lots to do, such as going to a museum, to a park, movies perhaps or stay home eat and talk about books you have read, share stories and experiences. Do not frustrate yourself because possibilities are endless and new relationships as well. If unfortunately this cannot be done anymore, don't worry, there are senior centers that offer socialization. Bingo may sound old and actually a traditional game to play but still fun and popular up to this day. Everyone can still enjoy it. Like earlier there are endless of possibilities, everyone at any age can still enjoy shopping maybe do it once in a while. To add excitement and feel like young again, maybe you can try to choose to make it a girls' night out or a boys' night out so you can plan an afternoon at your favorite restaurant, then shopping afterwards. M

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

The right heating controls will let you keep your home at a comfortable temperature without wasting fuel or heat - so you'll reduce your carbon dioxide emissions and spend less on heating bills. If you have an electric storage heating and hot water system, with storage heaters use the off-peak electricity to 'charge up' overnight and then release heat during the day, you'll need a different set of controls. Find out more about electric heating and hot water controls. If your home is heated by a system of water-filled pipes and radiators running from a boiler, you have a 'wet' central heating system, whether it is gas, LPG or oil-fired. Your full set of controls should ideally include a boiler thermostat, a timer or programmer, a room thermostat and thermostatic radiator valves (TRVs). How much can you save? Temperature controls Timing controls What we recommend How much can you save? Whatever the age of your boiler, the right controls will let you set your heating and hot water to come on and off when you need them, heat just the areas of your home you want, and decide how warm you want each area to be. Here are the average savings you could make in a typical three-bedroom semi-detached home, heated by gas: Install a room thermostat if you didn't have one before: £70 and 280kg carbon dioxide a year Fit a hot water tank thermostat: £30 and 130kg carbon dioxide a year Fit a hot water tank insulation jacket: £40 and 170kg carbon dioxide a year. You can also make savings by using your controls more effectively: Turn down your room thermostat by one degree: save around £55 and 230kg carbon dioxide a year. You can upgrade or install heating controls without replacing your boiler, and it's a particularly good idea to think about this if your controls are over 12 years old. Room thermostats, for example, are much more accurate than they used to be. Temperature controls Room thermostats These prevent your home getting warmer than it needs to b

The right heating controls will let you keep your home at a comfortable temperature without wasting fuel or heat - so you'll reduce your carbon dioxide emissions and spend less on heating bills. If you have an electric storage heating and hot water system, with storage heaters use the off-peak electricity to 'charge up' overnight and then release heat during the day, you'll need a different set of controls. Find out more about electric heating and hot water controls. If your home is heated by a system of water-filled pipes and radiators running from a boiler, you have a 'wet' central heating system, whether it is gas, LPG or oil-fired. Your full set of controls should ideally include a boiler thermostat, a timer or programmer, a room thermostat and thermostatic radiator valves (TRVs). How much can you save? Temperature controls Timing controls What we recommend How much can you save? Whatever the age of your boiler, the right controls will let you set your heating and hot water to come on and off when you need them, heat just the areas of your home you want, and decide how warm you want each area to be. Here are the average savings you could make in a typical three-bedroom semi-detached home, heated by gas: Install a room thermostat if you didn't have one before: £70 and 280kg carbon dioxide a year Fit a hot water tank thermostat: £30 and 130kg carbon dioxide a year Fit a hot water tank insulation jacket: £40 and 170kg carbon dioxide a year. You can also make savings by using your controls more effectively: Turn down your room thermostat by one degree: save around £55 and 230kg carbon dioxide a year. You can upgrade or install heating controls without replacing your boiler, and it's a particularly good idea to think about this if your controls are over 12 years old. Room thermostats, for example, are much more accurate than they used to be. Temperature controls Room thermostats These prevent your home getting warmer than it nee

Abstract: Health care fraud is all about the money. The United States spent an estimated $2.5 trillion on health care in 2009, with over $918 billion of that coming from the federal government. Under some estimates, up to 10 percent of that amount - no one quite knows for sure - might be lost to fraud. But the relationship between health care fraud and the U.S. health care system is far more complex than might first appear. Would-be "fraudsters" are not the only ones who respond to the financial incentives in the system. Due to the unique nature of the laws used to pursue health care fraud, both public and private prosecutors also follow the money in choosing their targets and both may share in the spoils of a successful prosecution. Perceptions about the money lost to health care fraud also have enormous influence on policymakers, as exemplified by the recent health care reform debate. In short, money may drive health care fraud, but not all roads lead in the same direction. This essay explores three different perspectives on the ways in which health care fraud "follows the money" - the would-be perpetrators of fraudulent schemes, the public and private prosecutors who pursue fraudulent activities, and the policymakers who work to prevent fraud and recapture lost funds for legitimate program purposes. Number of Pages in PDF File: 27 Keywords: Health Care, Health Care Fraud, Crime, White Collar Crime Accepted Paper Series

I think you've made some truly interesting points. Not too many people would actually think about this the way you just did.