If health care is important to you, you may feel devastated when you lose your healthcare. With the downward spiral that the economy has been experiencing, companies are trying to do everything to stay in business. For some corporations, this can mean lay-offs and a reduction in work force. For others, this means cutting costs in other areas, including healthcare. It can seem like a scary thing to be without benefits for you and your family, but you have options.
#1 – Purchase your own individual and family healthcare. There are important things to consider when purchasing individual and family health care plans. Do you want to choose your own doctor, or are you okay choosing from a pre-screened network? Do you have any pre-existing conditions that may prevent you from getting insurance? Circumstances like these may affect your decisions and monthly premiums. You will also want to look at whether there is a deductible – a fee that is paid before your coverage starts. If you choose a plan with a high deductible, your monthly premiums may be much lower. Just be aware that should you need medical attention, your deductible amount must come out of your pocket before your insurance benefits kick in. Choose a plan that has a deductible you can handle as well as monthly that are premiums within your budget.
#2 – Purchase a discount health plan. This is a health care option that is not technically “health insurance” but with this type of plan, you are offered discount prices on medical procedures, office visits, emergency room visits, etc. The administrators in a discount program bargain with your physician and come up with a reduced fee for their services. Then, you only pay the discounted fee instead of the full priced fee that is charged to the general public. Most times these discount plans offer a 20-40% savings. Even though this is not traditional insurance, it is a way to save money with reduced costs so that you do not have to come up with the full payment when you need medical services.
#3 – Visit a participating pharmacy. Some pharmacies offer physical exams, vaccinations, and treatment for a number of medical conditions for an affordable price. They may also offer diagnostic testing for common ailments as well. If you are uninsured, be sure to check with pharmacies in your area to see if they offer any of these services. Try to be proactive and check for these services before they are needed so you will know the offerings and prices before you purchase a health care plan.
So the bottom line is, should you lose your insurance, do not feel like there is nothing you can do. Although it may be devastating when you lose your healthcare, there are other avenues you can take and options that are available so that you are covered. Take charge of your situation and start shopping around now for the best option for you and your family.
Curfew laws restrict the right of youngsters (usually under 18) to be outdoors, in the streets or public places during certain hours of the day. Children are required to be at home or an authorized place between a set hour in the evening until a designated time the following morning. Most often youth curfew laws allow for minors to be in public places for an extended time on Friday and Saturday nights. There are certain communities that relax curfew laws in the summer months when schools are closed for break. Others take a different approach and impose more severe time restrictions when children are on vacation or break.
The implementation of laws governing child curfews in the United States of America is a matter of what is known as the police power of the individual states. The federal government does not have the constitutional authority to enforce any kind of national curfew, and this includes child curfew, except in the event of a national emergency. Juvenile curfews have been imposed by state, country, city and township authorities.
Local laws dictate that parents are responsible for the administration and transportation costs of returning a minor to his or her home on a second curfew violation. A child who is a frequent offender of the curfew may be declared a ward of the court and be treated as a status offender. Most curfew laws prohibit minors from being out past 10 p.m. on weekdays and midnight on weekends. There are certain exceptions to the law, however, which allow kids to legally stay out late if they are:
· Running an errand for a parent or guardian
· Participating in a religious, educational or political activity
· Accompanied by a parent, guardian or another adult
· Working or going to or returning from their place of employment
· Returning home from a school, cultural or recreational activity
· Responding to some emergency
What happens when the curfew is broken?
When a child breaks the curfew, he or she could be temporarily detained by the police and then returned home. The State Law also gives the local police officers some flexibility in their enforcement of such curfew laws – if the officer believes the youth has a “legitimate reason based on extenuating circumstances” for the breach. Some of the other penalties for breaking the curfew are:
· Fines (gradually increases for subsequent violations)
· Restrictions of driver’s license privileges
· Possible detention in jail or juvenile hall
· Imposition of community service or compulsory enrollment in after-school programs
Crime against the youth
The primary concern of every parent and the community is obviously keeping children safe and protected. The main objective of implementing juvenile or child curfew is to safeguard the well-being and welfare of children. With the steady rise of crime rates against the youth, the underlying rationale of community members is that children are much safer when they are at home and not outside after a certain time in the evening.
Delinquency by the youth
The second objective is to protect the community as a whole from the miscreant conduct of certain children who are inclined to break the law. Crimes committed by the youth are a major problem in all big cities today. Restricting the presence of unsupervised children from public venues after a curfew each night will reduce the number of children and teens that end up involved in criminal activity and break the law.
Gang violence control
Law enforcement officers maintain that juvenile curfew laws provide them with another weapon in their battle against gang violence. It can be hard to gather substantial evidence to arrest members of a gang, but a violation of curfew law will at least provide officers a chance to interrupt their presence on the streets of a community.
Since child curfew laws vary by locality and government enforcement, it can depend on a number of factors. If you would like to know more about the curfew laws in your community, you could get in touch with your local police department. If your community does not have a curfew, be sure to obtain a list of the laws and a list of the exceptions and exceptional circumstances. Please feel free to express your views on the subject by dropping us a comment below.
Looking smart and good is the demand of the time. Studies have shown that on an average people spent a good amount of time and money on their look and style. Earlier fashion and style were the matter of females concern, but now the scenario has changed, metro men are quite fashion conscious. They are working hard on their style and look, be it the selection of formal custom suits for men’s or casuals or choosing a new hairstyle.
A man is judge by what he wears; clothing styles tells a lot about the person and his personality. Choose dress that suits your personality and style. It could be a jeans and t-shirt or designer S.Cohen suits, but make sure that your dressing sense goes well with your style. Though the scenario of men’ fashion has changed a lot, unlike their predecessors, new generation men love to experiment with their look and style, now their wardrobe has a collection of formal and casuals, from Allan Edmonds shoes to Sanyo’s trench coat and jackets.
It is advised not to be extra brand conscious, wear what suits you and make you comfortable. Make your own style statement, try to follow a moderate way of fashion and style, the extreme trends of fashion and style is not suitable for day-to-day schedule.
It is your own style and dressing sense that distinguishes you from crowd. Attractive and pleasing personality is not all about good looks and great body, but it is combination of all, be it your dressing style, hairstyle, accessories, or your talking style. So be specific in selecting your style and brand.
Violence is breaking out due to gang wars over drug territory. Are your kids in college safe from this?
Over 75 college students were arrested in San Diego State University in May 2008, for drug dealing on campus. 2 kilograms of cocaine, ecstasy pills, marijuana, illicit prescription drugs, meth, psychedelic mushrooms, guns etc were seized by police.
One half of all college students binge drink, abuse pharmaceuticals and illegal drugs. (ref: National Center on Addiction & Substance Abuse or CASA).
College can be a great place to get an education, but if a loved one has drug abuse problems, you should be planning their rehab program 1st. I’ve sent many college students to long-term drug rehab programs that use the social / educational model of recovery after drug abuse was discovered to be ruining a young person’s life.
College students seem to do very well with social / educational methods of rehab as they aren’t expected to admit they are powerless over their addiction. In fact the opposite is true. Social / Education rehab models consider a drug abuser is completely responsible for their drug abuse – but their lives are simply out of control.
What Drugs Of Abuse Should You Be Concerned About?
College students abused pharmaceuticals at higher rates than drugs like cocaine and ecstasy. Pain killing pharma had a 343% increase in abuse amongst students. (ref: CASA)
Anti-anxiety drugs like Xanax and Valium had a 450% rise in abuse in the college crowd.
Often drugs like Xanax are used to mask the after effect symptoms of meth and cocaine. So again, Rx use can be a visible indicator of other drug abuse as well.
Drug & Alcohol Abuse Damages The Mind
Drug abuse creates inabilities to differentiate between actuality and delusion. Drug users are purposefully imposing delusion into their lives with drug use. They only get upset when they no longer know the difference between reality and illusion. The line of reality slides over gradually, rarely all of a sudden.
What are the indicators of drug abuse?
The biggest indicators of college drug abuse are slides down of GPA and inability to handle course loads anymore. Communication level and frequency changes when people move from use to abuse. It often looks like depression or apathy or loss of goals in life. Those are symptoms of drug / alcohol abuse as well.
However, the biggest indications of drug abuse is lack of communication, lying and avoiding specific questions from parents or family members. Do your kids resist coming home or having you see them on campus? All these types of behaviors are indications of drug abuse.
Does Drug Rehab Work For College Students?
Yes, absolutely and work well. But if a rehab program hasn’t worked for you in the past, meaning they’ve relapsed, you need to re-evaluate the types of programs available. There is more than one way to achieve success in life and more than several ways to end drug addiction.
But be sure the goal of the program and your loved one is to end their drug addiction for real.
Determining the goal of the drug rehab model as well as the goals of the college student goes a long way in starting on the road to straight living and often straight A’s.
Have you ever been to Las Vegas? What a town. Known as Sin City (I won’t imagine why, maybe gambling, prostitution, nude shows?) This is one town that has to put it’s police force to the task. The police force is one of the most effective agencies in the U.S. The judicial system is ranked as one of the best in the country. Also in this mix is its attorney services.
All the services in the Nevada area are geared for the people. Most of the time, as in other part’s of the country, the issues at hand are accidents, divorce, bankruptcy, criminal cases, corporate blue collar crimes.
Nevada offers much to all visitors and residents.
Gambling, tours, dining, golf, weddings, spas, attractions, nightlife. Before this town became the meca it developed into thanks to Bugsy Segal, a series of natural springs provided water to give the area residents ( Paiute tribes) and travelers refreshing water. The early Spanish exployers named this area Las Vegas meaning ‘the meadows’ or ‘the fertile valleys’. The Mormons (before it was Vegas, Vegas) settled for a spot.
There are many tours available not to miss when in Vegas. Check these out:
* The Grand Canyon
* The Hoover Dam
* The Vegas Strip itself
* The Red Rock & Valley of Fire Tour
* Lake Mead & the Colorado River Tours
* Area 51 Tour ( are you into aliens?)
* Death Valley Adventure Tour and much more.
Las Vegas will be celebrating it’s 105th birthday on May 15, 2010. Much to do. You can now connect with Las Vegas on Twitter, Facebook, and YouTube.
Keep in mind this letigous society, as in most towns, attorney’s in Las Vegas specialize their services. Of course you will find lawyers who will do a little of everything.
Services You May or May Not Need:
* Bankruptcy is high on the list no matter what city you live in, not just Las Vegas. Ask how many bankruptcy cases the attorney handles per year, in the last 5 years.There are a few different kinds of bankruptcy. Be sure you will be claiming the correct one.
* Divorce attorney’s are another specialty. You hear about all the weddings in Las Vegas, what about divorces. Be sure again that the attorney has much experience in marital law.
* Taxes. Need I say more. There are attorney’s that specialize in this area. They are Tax Attorney’s. There are a lot folks faced with the IRS and tax issues. Interview a few attorney’s who specialize in the field.
* Employment and Labor Law. Another issue that arises all over the country. Mega law suits from employees against their employers. A recent one is employees against Walmart. It could be a concern about getting paid for over-time or paid as A salaried employee. Check it out with an attorney who really specializes in this field.
*Be sure to check out the attorney and the services you need them for. Don’t be afraid to ask (repeatedly if necessary) anything you feel is important. No question is dumb or stupid. Las Vegas offers many attorney’s easy to access within your search.. Online, yellow pages, or referrals from a person you know.
*When in doubt about finding an attorney, go to the library. There is a book that lists who attorney’s themselves they would use if necessary. There you can also index or research Las Vegas public cases and what attorney was used.. Use all your resources and you will prevail. You need patience and diligence.
You’ll be surprised, most people do not put much effort into decorating their homes nicely. Well, either that or they don’t really know how to. Since most of us spend the majority of our time in the house, it would be beneficial to have a more aesthetically appealing home, wouldn’t it? A home that’s beautiful will not only make you feel more like coming home at the end of a long day of work, but is something you can be proud of and show off to your friends and family. Here is some quick advise for getting your house appeal in order.
Furniture can play a big part in the design of your home or room, so don’t underestimate the damage that bad furniture can do. You can tell from the people who have no idea about interior or home design – they tend to buy everything and everything when it comes to furnishings, making their home look more like a junk yard or second-hand store rather than a aesthetically pleasing living space. Beautiful homes will always be themed, or at least have some sort of coherent style throughout, both in decor and in color. When redesigning your current or new home, you should definitely keep this in mind.
When you’re shopping around for furniture for the home, you don’t really need to spend an extravagant amount of money. In fact, there’s plenty of second hand stores at which you can pick up some really great contemporary or antique furniture at very reasonable prices to decorate your home with. You can even go with lower priced furniture with large retail stores such as Ikea. The benefits of buying from these retail outlets is that their furniture range comes in sets, all in a certain theme and color co-ordinates. To start off on a good foot, you could purchase a lounge set or bedding set first, then buy the other pieces of furnishings that are built around that style and those colors.
To get further ideas on decorating your home, you can furthermore pick up informative magazines from a newsagent that specialize in interior design. These magazines will normally feature full-color photos which you can use to draw inspiration from, both in style and also colors.
TV furniture takes many different forms, ranging from full entertainment wall units to single TV cabinets. Your choice will likely depend upon the space you have available, although many people prefer a wall unit to a single stand-alone cabinet.
The reason for the popularity of entertainment wall units is simply that they take up wall space, and have minimum impact on living space. They also accommodate more than just the TV, and while it could be looked on as TV furniture with display options added, most regard it as a wall display unit, and perhaps bookcase, that includes room for the TV! There are two ways of looking at it.
If we look at individual pieces of TV furniture first, we can then see how that might be expanded in a more general form of entertainment furniture or leisure unit, so as to make the best use of the wall space you have available. Very few homes have no wall space free, and if even if not there is usually some form of existing wall furniture that can be replaced to incorporate television furniture.
Traditional TV furniture involves a simple stand or console that holds the TV on top, and with room for some boxes and DVDs on the storage shelves below. The shelves can be behind glass doors to keep out dust or remain open. Usually, such consoles are available in a range of widths according to the width of your TV set.
More intricate are TV consoles in the form of chests. There is a wide variety of these, fitted with cupboards and drawers, or a combination of glass doors and open shelving to accommodate not only the TV equipment and boxes, but also hi-fi equipment. These are still individual pieces of TV furniture that can be situated anywhere in the room – either against a wall or in an island situation, a common position being a bay window or alcove.
However, entertainment units are more substantial, and more than simply TV furniture. These can be built yourself by combining various pieces from a collection, designed to be used just for that purpose – the ‘sectionals’ of wall furniture if you like. These entertainment units will generally consist of a TV hutch, to contain the flat screen, with a cabinet below for the accessories and DVDs and so on.
To each side would be more cabinetry to house a hi-fi unit, perhaps some of the speakers and possibly an iPod dock, also attached to the speakers. Many people use the same set of surround speakers for all their equipment, though that would depend on the quality of the speakers.
Then, space permitting, there would be display shelves for curios or ornaments and perhaps even bookshelves. Now you can possibly see where a TV stand can be incorporated into your wall space, even if you have existing wall furniture in place. You could combine that or change it. Most people would purchase from new, and if you choose the right range of furniture you can do that in stages.
The TV furniture could be acquired first, and then you could expand the rest around it as you could afford it. It is better building slowly using good quality furniture than buying an entire wall-full of cheap furniture at once. The high quality pieces will match each other no matter when you purchase them. That’s one of the benefits you pay for when buying high quality entertainment or television furniture. This year’s purchase matches last year’s.
The Paula Deen Down Home entertainment console is a case in point. You can build this 126W x 84H inches unit from four pieces: a console, a TV hutch and two side display units. You could add to this over time to extend it over the whole of one wall if you wanted to. The same is true of large numbers of entertainment units: start with one piece of TV furniture, then slowly add to it until you have a complete entertainment center you can be proud of.
It might take time, but it will be worth it in the end. Of course, if you have the money you can do that all at once, and because you are building it up yourself you can have exactly what your particular room needs. Some people even put the hutch on a rotating bezel, so it rotates 180 degrees, with the flat screen one side and a display unit the other. You can have one side showing or the other depending on whether you are watching TV or not. But then you need room behind for the rotation!
There are many different types of TV furniture available on the market, and it’s best to check out what is online and then visit the showroom. That means you should choose the website of a furniture company that has a showroom close to your home. You can then see it in real life and decide if it’s for you or not.
Ava has flute lessons at 4:00. Dad has a doctor’s appointment at 5:00. And you have no clue what you’re going to whip up for dinner. As a member of the sandwich generation-those who care for both their children as well as their aging parents-you’re in a unique situation. You’ll feel stress in your mind, your body, and even your pocketbook. This guide will help you assemble an eldercare solutions team that can make you feel a little less sandwiched.
Non-medical in-home care
In-home care providers are a favorite solution for many children caring for aging parents. These companies offer a wide variety of services designed to enhance to help your parent in the tasks of everyday living. Professional in-home care can provide assistance with bathing or toileting. They can also perform light housekeeping, such as changing linens or unloading groceries. What’s more, these companies offer companion eldercare solutions services. That means Dad has someone to play checkers with while you’re at a day-long conference.
Adult day care and other senior activities
From day trips to the local tourist trap to water aerobics, you can find a number of local services to keep Mom or Dad active. Church groups and social service agencies are two good sources for activity-related eldercare solutions. Your local agency on aging can also provide a list of resources for you to contact.
Family and Friends
Many of us have a circle of family and friends-and when it comes to caring for aging parents, it’s important to tap into that resource. Have a family meeting to decide how each person can help. Maybe your retired Aunt can become Mom’s taxi service. Perhaps your spouse can take over cooking one night a week. Teens can take on responsibility, too, by picking up prescriptions or taking over one of your typical household chores.
Even if your family consists simply of you and your aging parent, you can still find solutions to make your life less stressful. For instance, ask a neighbor to watch a movie with Dad while you slip away for dinner. If help with household stuff will help make caring for aging parents easier, ask a church youth group if they’d be willing to trim the fire bushes. Have a neighbor with a ladder? Exchange a home-cooked meal for clean gutters.
Caring for aging parents comes with a price tag, especially if you’re part of the sandwich generation. Experts estimate it costs more than $16,000 a year to pay for child care and elder care. That’s why it’s important to enlist the help of professionals who can help guide you through the numbers. Consult a financial advisor who has experience in eldercare solutions.
Remember to ask your parents about getting legal advice regarding living wills and medical powers of attorney. Putting these documents into place now, when your parent is still relatively health, can save the family future heartache and conflict when a serious illness strikes.
Don’t let the stress of raising children and caring for aging parents take its toll on your life. By planning and finding the right kind of help, you can find an eldercare solution you and your aging parent can live with.
More considerable travel savings are given to the best travel planner. Oftentimes, the best planners are those who hire travel agents. There are lots of cheap budget travel online experts who can help you on your travel needs. With their help, you will be able to obtain the best travel deals, save money and prevent problems in your chosen destination.
A wealth of information on cheap travel deals is available on the Internet. Because of it, you can easily compare different travel deals and prices. Excellent budget travel online experts can not just offer you great perks that can help you save hundreds of dollars but they can also help you save time in planning and booking. They can also inform you which airlines or cruises charge the less and how you can avoid other travel charges.
Consulting and hiring affordable budget travel online experts is truly rewarding, since they could get special hotel accommodation rates and have the skills to negotiate a cheap vacation package that would enable you to save both time and money. Also because of their expertise, you will be able to have a more enjoyable vacation or travel experience. These people often have access to cheap hotel deals, airfares and other travel perks that average travelers cannot simply obtain on their own.
Oftentimes, most budget travel online experts get bombarded with lots of travel promotions that sometimes you can even get travel packages for as low as a hundred dollars. At a minimum, budget travel online experts can book you tickets to your specific destination. Most of them typically focused on air, sea and rail travel as well as on other options available. They may also prepare a car that you can rent along with other services like arranged arrival meals and airport or dock pickups.
Budget travel online experts also have more to offer. They can even provide recommendations regarding immunization and preventive medicine routines that may possibly be required when traveling in different countries. These experts can also be of great help in organizing passports and visas, ensuring that their clients move effortlessly during their trips.
Some budget travel online experts can also suggest and recommend language classes and other travel arrangements, while others may give helpful tips and hints for their clients to make sure their clients will be able to experience an enjoyable trip. A travel expert who specializes on things like business travel may take account of travel itineraries that are customized for business people like well-organized tours and accommodations that include services like Fax machine usage and Internet access.
Budget travel online experts usually sell themselves based on their abilities to organize intricate and enjoyable trips, whether it could be whirlwind tours or relaxing luxury cruises. With lots of websites offering the services of these experts, you can surely find one who is experienced and knowledgeable in all of the eccentricities of the travel scheme and a trip can at times run more slickly with an expert at the helm.
Whether you are remodeling your existing bathroom or creating a new one for your new home, the bathroom’s wall design is an important factor that should be kept in mind. When you plan to revamp your bathroom, you must prioritize the work; you can start off by giving the wall design a high priority as it is often ignored and only considered as an after thought. It is very crucial to decide the material that you would like to use to give your bathroom wall a new look. You have a wide range of material types to choose from and every type exhibits numerous colors and patterns.
When you start the work of revamping your bath wall it is important to determine the wall design and material that will be used for the remodeling. You can use materials like marble, colored or plain tiles, terra cotta, limestone, glass, stone etc. Determine the advantages and disadvantages of every material type and decide which suits you the best. Most people would consider installing marble tiles, as it gives a unique look to the walls of your bath. Terra cotta tiles to cover the walls are also a good option as it is known for its long lifespan as compared to other conventional materials.
You can also affix glass to act as the bathroom wall design, provided it should be installed by a professional who can do it in the best way possible. You may require help from a professional as this glass should be handled with care because they are expensive and can break easily. Vinyl tiles are an affordable and less expensive alternative to the other materials. There are many people who have used vinyl tiles to fix on their bathroom walls as they are easy to install and to revamp in case you plan to modify your bathroom’s design in the future. If you choose to use granite tiles or any conventional tiles, you can also use more than one different pattern to create a unique look.
Concrete walls are one of the best options when you consider modifying your bathroom wall. The concrete wall enables you to change the pattern and color as and when you want it to be done. Adding textures to such walls may increase the attractiveness of your bathroom. You may choose from a range of textures to beautify your walls. You may ask your contractor to provide you with different designs to make the correct choice. If you plan to do a one-time investment, make sure you go for good quality materials that will last you longer and cost you less on the long run.