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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 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

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

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

India's Competition Commission confirmed that Google is undergoing an antitrust investigation after a match-making website filed a complaint against its "alleged discriminatory practices" in AdWords. An Indian dating website has filed the complaint against the search engine giant, alleging that it has breached the country's antitrust laws for its advertising unit, AdWords. The complaint accused Google of luring 2 Indian dating sites into a bidding war over its ad keywords in online search. Consim Info, the company operating BharatMatrimony.com has filed the antitrust suit with the Competition Commission of India in February against Google, which, according to CCI, could last from 2-12 months. The probe aims appears to be aimed at determining if there is any merit on the complaint filed against Google after the discovery of "prima facie evidence" showing how it had allegedly abused its market position by selling adwords to the complainant's rival. "We have asked the Director General (Investigations) to complete the probe and give a report on it within 60 days. Prima facie, we found evidence that suggests that Google did abuse its dominant market position," said a senior official of CCI. Like what had happened in other markets, Google has become a target by competitors who wish to crack its prominent ranking. On the other hand, Google defended itself by saying that it has always cooperated with investigators. It has given a statement to Springhill Group Counselling: "Though competition is always a click away, we understand that with success comes scrutiny. We have not received any communication from the CCI, but we're always happy to answer questions about our business, and we're confident that our products are compliant with competition law in India." Google seems to be getting used in being the subject of regulatory scrutiny worldwide as more companies become irked by its business in online advertisement. In February, a separate inv

India's Competition Commission confirmed that Google is undergoing an antitrust investigation after a match-making website filed a complaint against its "alleged discriminatory practices" in AdWords. An Indian dating website has filed the complaint against the search engine giant, alleging that it has breached the country's antitrust laws for its advertising unit, AdWords. The complaint accused Google of luring 2 Indian dating sites into a bidding war over its ad keywords in online search. Consim Info, the company operating BharatMatrimony.com has filed the antitrust suit with the Competition Commission of India in February against Google, which, according to CCI, could last from 2-12 months. The probe aims appears to be aimed at determining if there is any merit on the complaint filed against Google after the discovery of "prima facie evidence" showing how it had allegedly abused its market position by selling adwords to the complainant's rival. "We have asked the Director General (Investigations) to complete the probe and give a report on it within 60 days. Prima facie, we found evidence that suggests that Google did abuse its dominant market position," said a senior official of CCI. Like what had happened in other markets, Google has become a target by competitors who wish to crack its prominent ranking. On the other hand, Google defended itself by saying that it has always cooperated with investigators. It has given a statement to Springhill Group Counselling: "Though competition is always a click away, we understand that with success comes scrutiny. We have not received any communication from the CCI, but we're always happy to answer questions about our business, and we're confident that our products are compliant with competition law in India." Google seems to be getting used in being the subject of regulatory scrutiny worldwide as more companies become irked by its business in online advertisement. In February, a separate inv

India's Competition Commission confirmed that Google is undergoing an antitrust investigation after a match-making website filed a complaint against its "alleged discriminatory practices" in AdWords. An Indian dating website has filed the complaint against the search engine giant, alleging that it has breached the country's antitrust laws for its advertising unit, AdWords. The complaint accused Google of luring 2 Indian dating sites into a bidding war over its ad keywords in online search. Consim Info, the company operating BharatMatrimony.com has filed the antitrust suit with the Competition Commission of India in February against Google, which, according to CCI, could last from 2-12 months. The probe aims appears to be aimed at determining if there is any merit on the complaint filed against Google after the discovery of "prima facie evidence" showing how it had allegedly abused its market position by selling adwords to the complainant's rival. "We have asked the Director General (Investigations) to complete the probe and give a report on it within 60 days. Prima facie, we found evidence that suggests that Google did abuse its dominant market position," said a senior official of CCI. Like what had happened in other markets, Google has become a target by competitors who wish to crack its prominent ranking. On the other hand, Google defended itself by saying that it has always cooperated with investigators. It has given a statement to Springhill Group Counselling: "Though competition is always a click away, we understand that with success comes scrutiny. We have not received any communication from the CCI, but we're always happy to answer questions about our business, and we're confident that our products are compliant with competition law in India." Google seems to be getting used in being the subject of regulatory scrutiny worldwide as more companies become irked by its business in online advertisement. In February, a separate inv

MOBILE, Alabama - Drury Lane in Country Club Estates has the look and feel of a country lane: secluded, narrow - less than two lanes wide - and heavily-wooded, with well-kept homes appearing as if by magic among the trees. Yet some of its 17 homes, including corner lots at Wimbledon Drive to the south and Hillwood Road to the north, are within a short iron shot of the Country Club of Mobile north nine golf course and about two blocks from the main club buildings themselves. Residents of Drury Lane, from near and far, had high praise for the Spring Hill area and their neighbors. "We love it here. Absolutely love it. Drury Lane is a wonderful street. The best street in Mobile, I believe," said resident Lee Robinson, a Mobile native, who grew up 300 yards away on Wimbledon Drive, where his parents, Lee and Helen Robinson, still live. The Robinsons' home is one of the through lots on the street, with a front entrance on Hillwood Road and a back entrance on Drury Lane. The family prefers the backyard for activities and neighboring, said Robinson. "The neighbors have been fabulous and a huge blessing," said his wife, Aimee, also a Mobile native. "The minute you have a storm, everyone here comes together." The Robinsons and their three daughters had just moved in shortly before Hurricane Katrina in August 2005, but were invited to stay the night with neighbors, who had 14 people in their home, to share their generator power, she said. Robinson discovered both Mobile and family tradition in the vintage 1937 home on the lane when he thoroughly renovated it in 2007-08. The home had original hardwood floors, a double coincidence, because Robinson is president of Overseas Hardwoods Co., and his grandfather was in the hardwood flooring business with the family-owned Mobile River Sawmill in Mount Vernon, Robinson said. Mobile River Sawmill first made hardwood flooring in the early 1930s - the mill was so

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

MOBILE, Alabama - Drury Lane in Country Club Estates has the look and feel of a country lane: secluded, narrow - less than two lanes wide - and heavily-wooded, with well-kept homes appearing as if by magic among the trees. Yet some of its 17 homes, including corner lots at Wimbledon Drive to the south and Hillwood Road to the north, are within a short iron shot of the Country Club of Mobile north nine golf course and about two blocks from the main club buildings themselves. Residents of Drury Lane, from near and far, had high praise for the Spring Hill area and their neighbors. "We love it here. Absolutely love it. Drury Lane is a wonderful street. The best street in Mobile, I believe," said resident Lee Robinson, a Mobile native, who grew up 300 yards away on Wimbledon Drive, where his parents, Lee and Helen Robinson, still live. The Robinsons' home is one of the through lots on the street, with a front entrance on Hillwood Road and a back entrance on Drury Lane. The family prefers the backyard for activities and neighboring, said Robinson. "The neighbors have been fabulous and a huge blessing," said his wife, Aimee, also a Mobile native. "The minute you have a storm, everyone here comes together." The Robinsons and their three daughters had just moved in shortly before Hurricane Katrina in August 2005, but were invited to stay the night with neighbors, who had 14 people in their home, to share their generator power, she said. Robinson discovered both Mobile and family tradition in the vintage 1937 home on the lane when he thoroughly renovated it in 2007-08. The home had original hardwood floors, a double coincidence, because Robinson is president of Overseas Hardwoods Co., and his grandfather was in the hardwood flooring business with the family-owned Mobile River Sawmill in Mount Vernon, Robinson said. Mobile River Sawmill first made hardwood flooring in the early 1930s - the mill was sold to Scott Paper Co. in 1963.

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 warning shot, a

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 war

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 war

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 war

In 1928, five years before the rise of Hitler, Germany's freely elected government enacted a "Law on Firearms and Ammunition." This law required anyone who owned a firearm, or who wanted to own a firearm, to make themselves known to the authorities. Anyone who wanted to purchase a firearm had to get a "Firearms Acquisition Permit." If you needed ammunition, you had to get an "Ammunition Acquisition Permit." When you wanted to go hunting, you had to get an "Annual Hunting Permit." Every firearm that changed hands professionally had to have a serial number and the maker's or dealers name stamped into the metal. "Proof of need" was made a condition for issuance of all licenses, not just the carry permit. Mandatory prison sentences were imposed on anyone who professionally sold or transferred a firearm or ammunition without a license. Truncheons and stabbing weapons were subject to the same licensing requirements as firearms, in terms of their manufacture and sale. As a result of the 1928 Law, all firearms and firearms owners were registered. To take firearms from anyone they distrusted, the Nazis simply did not renew permits. Under the law, their privately created law, the Nazis could now easily confiscate all firearms and ammunition from any, or all, selected groups. The gun law of 1928 had served the Nazis well. It made almost all law abiding firearms owners known to the authorities. The 1928 law on firearms and ammunition helped the Nazis to destroy democracy in Germany, by disarming the law abiding majority, whom they feared. http://famguardian.org/Subjects/GunControl/Articles/NaziGunL… A right to bear arms is the fundamental right of every law-abiding person to acquire the means to protect themselves even from their own government. One of the first things a government does when it wants to control its citizenry is to control their access to the weapons they need to defend themselves.

Springhill Group Korea The US military has begun to grapple with the mental and emotional strains endured by Air Force personnel who may never come face to face with a Taliban insurgent or take fire, but still may be responsible for taking lives or putting their own colleagues in mortal danger. While they are far away from the gritty combat in Afghanistan, the analysts in the cavernous room at Langley Air Force Base in Virginia relive the explosions, the carnage and the vivid after-battle assessments of the bombings over and over again. The repeated exposure to death and destruction rolling across their computer screens is taking its own special toll on their lives. Now, for the first time, an Air Force chaplain and a psychologist are walking the floor of the operations centre at Langley, offering counselling and stress relief to the airmen who scrutinise the war from afar. Sitting at computer banks lining the expansive room, the Air Force analysts watch the video feeds streaming from surveillance drones and other military assets monitoring US forces around the globe. Photos, radar data, full-motion video and electronically gathered intelligence flows across multiple screens. In 15- to 20-minute shifts, the airmen watch and interpret the information. Through chat windows, they exchange data, update intelligence reports and talk in real time with commanders on the ground, including troops whose lives may depend on the constant and rapid flow of information they get from Langley. For example, they may provide information that allows a commander to order an airstrike, but after the weapon is launched, the analysts might suddenly see that the insurgents are fleeing or that civilians or children are moving into the strike zone, and by then they are helpless to do anything about it."If you have a 21-year-old playing a video game, when the game is over they start again. Here, if they miss a bad guy, that's what they carry with them," said Air Force Major Shauna Sperry, a p

Purchasing and owning a home is one of the biggest financial investments you'll ever make, and no doubt you'll have many questions regarding the process. First-time buyers enjoy some special privileges and opportunities. Some banks will offer first-time buyers a bond above 100% to help you cover the transfer and legal costs as well as the purchase price. And almost all institutions now offer a 30 year bond repayment period, to make the monthly costs more accessible, an option which banks created specifically for first-time buyers. Make that very clear on your application that you're a first-time buyer. It is a general rule, make a quality purchase, buying a house is a big decision so you have to decide wisely. When house hunting you can follow this tips.

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

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

A new study published this week in the Sleep journal has discovered that sleep problem decreases with age; basically contradicting the common belief that sleep problem comes with age. A group of researchers from Center for Sleep of Pennsylvania University along with other organizations conducted a survey of 155,877 people from all ages who has previously reported sleep disturbances. Their study aims to find the answer on how sleep complaints alter as a person age. The study was conducted by asking participants how often within the past 2 weeks they had problems staying or falling asleep as well as the number of days they have felt tired. Their telephone survey has resulted in the conclusion that sleep quality, in fact, gets better as you get older. They found a general decline in sleep tiredness across higher age groups. Actually, women and men older than 80 are the least likely among the age groups to complain of sleep problems. According to the study, poor overall health conditions and depression are both connected with sleep problems as those who have mild depression appear more twice as likely to report sleep disorders. Basically, it shows that once you have control of mood and health, people dont necessarily have more sleep problems. Experts seem to be disputing the results of the study as the method of data collection done is generally subjective (participants were only asked about their physical symptoms) as opposed to previous researches done through objective data gathering (e.g. monitoring patients' sleep patterns in laboratory room) which could be the reason for the result difference. A single study cannot hope to change the health care implementation. But considering that the sample size of the study is large, it will be hard to discount the results. Besides, the question given was so general that it captures the entirety of sleep disorders. The results of this study is essentially contrad

Patients with sickle cell disease move from pediatric to adult health care because they now depend more on the emergency room, says researchers at Washington University School of Medicine in St. Louis. Reported at the American Society of Hematology's annual meeting in Atlanta, more than 3,200 patients with sickle cell disease demonstrates that emergency room visits tripled from age 15 to age 24 this is according to the study of Medicaid data. According to hematologist Morey A. Blinder, MD, associate professor of medicine, "There seems to be a breakdown in medical care during the transition from childhood to adulthood. Not only emergency department usage, but hospitalizations go up during this time as well." Blinder further added that one possible explanation for the increased reliance on emergency care is the relative lack of adult health care providers with experience caring for sickle cell patients. Alarming similar issues are arising for other pediatric diseases, such as cystic fibrosis and hemophilia. The said illnesses were previously fatal. What is more sad about the problem is over the past few decades the number of children and teenagers are living into adulthood with these conditions increased. What makes the matters worse is there often aren't enough primary care physicians who can provide care for these adult patients. Many are not familiar to the understanding of the sickle cell disease. It refers to a number of inherited genetic conditions the "sickle" shape red blood cells aren't normal, they are suppose to be normally round, disk-like red blood cells. The problems with these malformed red blood cells are prone to clogging smaller blood vessels and they do not carry oxygen to the body as well as healthy cells. The condition often causes pain in places the cells block blood flow that sometimes causes more severe complications include blindness, strokes and pneumonia. Medical patients from five states including Florida, New Jersey

Springhill Home Care Group Korea Reviews Seoul Employs Elderly to Tackle Phone Waste http://blogs.wsj.com/korearealtime/2013/07/25/seoul-employs-elderly-to-tackle-phone-waste/ South Koreans are among the world's most frequent phone upgraders, buying about 15 million new mobile phones each year, according to a recent report by market research firm DigiEco. One of the problems that creates is the handling of all the discarded older phones. To tackle the issue of electronics waste, or e-waste, the Seoul city government started a program called Eco City in 2009 to collect used electronics. It runs a waste handling facility called Seoul Resource Center in the northeast of the capital and employs elderly or low-income people to break them down and process the parts. Eco City is unique in that it is an entirely government-funded and directed operation. In Tokyo, the municipal government invited private companies to set up recycling facilities, while China has struggled to deal with large amounts of e-waste both produced domestically and imported. Seoul's Eco City says each discarded mobile phone has between 2,500 won and 4,000 won (about US$2.23-$3.50) worth of metals in it, including rare earth metals such as neodymium. At intervals of six months or a year, companies can bid to purchase the waste that has been gathered and sorted by Eco City. Whatever can't be sold or reused is incinerated. http://springhillcaregroup.net/ http://news.springhillcaregroup.net/

Embattled Rupert Murdoch's empire, News Corp. appears to be planning a spin-off of its core businesses. Its own flagship newspaper, The Wall Street Journal, has reported this week that the company's board is considering a proposal that will make its publishing arm into a separate company. Springhill Group Home analysts expect such separation of assets would appease regulators and could help it to avoid selling a USD 6.9 billion stake. Fortunately, the same became true for investors as the announcement was met with the rallying of News Corp's stock to 8.3% high - the highest level it has reached since 2007. "News Corp. has one of the best TV businesses, but some people like musty, dusty publishing companies that pay great dividends. It's a good thing for shareholders." said an analyst from Lazard Capital. The media conglomerate has not yet specified which business units would be grouped together but the company is reportedly mulling to separate the entertainment operations from the book and newspaper publishing one. News Corp's publishing business brought in USD 8.8 billion in profit last year, accounting for about 7% of the company's enterprise value or 24% of the revenues. This division includes a number of prominent newspapers (Times of London, The Wall Street Journal, New York Post, The Australian and the Sun) and HarperCollins book publisher, all of which are valued for around USD 5 billion. Meanwhile, its entertainment business is more profitable with revenues of USD 23.5 billion last year, accounting for around 75% of the firm's profit and almost all of the operating revenue in the first half of the fiscal year. News Corp's television and film business consists of the Fox News channel, Fox broadcasting network and 20th Century Fox film studio. Experts are saying that the move to split the news and media o