The world today has become surrounded by drug abuse as well as drug addiction. This escalating disorder has become so common, that its truth is based on misconceptions that people have concerning drug abuse as well as addiction. This paper briefly provides an overview of drug abuse as well as addiction, and at the same time looks at the aspects of epidemiology, social problems, pathophysiology, as well as ethical issues that might arise with medical emergency respondents.

Drug abuse and drug addiction; exactly what does that mean and who is affected by it? There is a confusion between drug addiction and abuse. Drug abuse happens when there is usage of a substance, generally illicit drugs or alcohol, while drug addiction takes place in a broad variety of substances and activities. Addiction can be termed as the compulsive need for usage of substance forming habits, such as alcohol, nicotine and heroin, of which is eventually characterized by obviously physiological signs upon withdrawal as well as tolerance; widely: insistent compulsive use of known substances that are harmful to the user. Drug addiction is usually not a substance forming habit, it also includes things such as gambling, sex, video gaming, and even internet. All the same, the primary focus of society is still to do with drugs, tobacco and alcohol. Several characteristics of pathophysiology and epidemiology will be discussed together with the social implications that addiction causes as well as any ethical problems that lie with addiction and medical emergency service providers.

The addictive behavioral study is relatively new. Science just started to study behavioral addictive in the 1930. Prior to this, studies were being carried out by scientist on drug abuse that were plagued by misconception shadows as well as nature addiction. But with present day discoveries as well as information on how brain chemicals work and the methods of alteration, there is now a deeper understanding of alcohol and drug addiction. Drug addiction, according to Dr. Dryden-Edwards also referred to as chemical dependency or substance dependence, is an illness that is described by a destructive drug abuse pattern that leads to major problems which involve tolerance towards or substance withdrawal and other problems arising from substance use that could have implications to the sufferer, either by school performance, socially or in terms of work. More than 2.5% of humanity suffer from drug addiction at some point in their lives. Some of the commonly abused addictive substances are alcohol, anabolic steroids, amphetamines, cannabis, caffeine, ecstasy, cocaine, inhalants, hallucinogens, nicotine, phencyclidine, opiates, sedatives, anti-anxiety drugs, and or hypnotic. Despite the fact that alcohol and drug addiction is viewed as a mental health issue, there is no one particular determinant cause. However, several people believe that drug addiction and abuse is a genetic disease of which is a false fact. A person’s environment is cause for the development of a predisposition dependency drug.

Epidemiology

The socially associated risk factors of drug addiction and drug abuse encompass the male gender, between the age ranges of 18 and 44 years, heritage of Native American persons, low socioeconomic status as well as the marital status of the unmarried. State statistics reveal that residents from the western U.S are more at risk to substance dependency as well as abuse. While males are very prone to alcoholism development, females seem more vulnerable to alcoholism at fairly lower amounts of alcohol consumption, this is because females have a much lower body mass as compared to males. The combined medical, criminal, economical, as well as the social implications costs American taxpayer more than half a trillion dollars annually. Each year drug and alcohol abuses contributes to 100,000 American deaths, with tobacco contributes approximately 440,000 deaths annually. Individuals of all ages suffer the damaging consequences of drug as well as alcohol addiction and abuse. Babies can get affected while within the mother’s womb if the mother is to engage in drug or alcohol use, which as a result causes defects in birth as well as slows down the intellectual development in the later years of the child. As for Adolescents, they usually perform poorly in school and usually drop out while they are abusing drugs. Adolescent girls stand the risk of having unwanted pregnancies, sexually transmitted diseases, and violence. In addition, parents and adults are also affected, usually by having their cognitive abilities clouded. With all the vast exposure, the stage has easily been set for the next generation to simply step into the addictive lifestyle.

Pathophysiology

Drug addiction primarily affects the brain, but also affects the flow of a person’s organ systems. Drugs as well as mind changing substances which can be abused usually target the body’s natural system of reward either willingly or unwillingly causing entire euphoric effects for the drug user. These effects arise from the dopamine, which is a regulated neurotransmitter movement, emotion, cognition, motivation and pleasure feelings. The release of Dopamine is naturally rewarded to the body for natural behaviors as well as initiations for the cycle to repeat the behavior all over. The dopamine neurotransmitter fills the reward system that is often concealed in restricted amounts from routine activities such as sex or eating. The brain perceives this as a life-sustaining action as a result of the activated reward system. On introducing the chemical substance within a person’s system and the euphoric effects are realized, a person’s brain takes note of several significant happening events and teaches itself to do this action repeatedly until it is a habit. The consumption of illicit drugs can cause an individual to impulsively act when the brain’s reasoning system would normally delay or prevent a form of given action.

This reasoning system is circumvented, hence leading to the undesired action that can possibly have negative consequences on the drug user’s life. However, several drug effects as well as chemical substances are at times euphoric, and other times the substance causes depression, suicidal thoughts, and paranoia. Continuation of the drug causes the brain to become acclimatized to the surplus of dopamine within the reward system. This then leads to the decrease of dopamine release as well as the dopamine receptors numbers within the system itself. In turn, this affects the user’s ability to attain the desired effects of the drug usage. This response from the person’s brain causes the person to try and reactivate the receptors by adding the dosage or amount of the drug in order to attain the same dopamine high. This effect process is referred to as a tolerance. Long term drug abuse causes changes to occur to other systems parts within the brain. The neurotransmitter glutamate of which is a part of the reward systems can be changed and hence cause learning inability. When the brain reaches the maximum level of glutamate, it causes an off balance and the brain tries to compensate, of which as a result affects the drug user’s cognitive ability. Once the brain accustoms to the drug effects, dependence is made and drug abuse cessation causes a result known as withdrawal. While most withdrawal signs are very uncomfortable for the drug addict, there are several serious signs such as seizures, strokes, myocardial infraction, delirium tremens, and hallucinations.

Social, Ethical issues as well as the impact on emergency medical services (EMS)

The consequences of drug abuse and addiction are very evident in an individual social life. The addictions destructive behavior affects every area of their personal life, right from the genesis of the drug abuse. The addictions symptoms from a physical perspective include alteration of sleeping patterns as well as eating habits, which in turn contribute to both weight gain as well as loss. Frequent drug abuse tends to lead to failure in meeting important responsibilities at work, school or even home. Other drug addiction effects include domestic violence, family disintegration, child abuse, employment loss, and failure in school. People with addiction engage in risk taking, and with alterations in the reward system within the brain, the drug users expect positive reactions prior to them taking the substance that would satisfy their needs for the risks they take. Impulse control is difficult when drug choice is available to people with addiction. As a result this fuels the addiction even more.

The effect of the emergency medical service is immense. The calls from addiction range from medical overdosage to trauma. The emergency medical provider’s obligation in response to overdosed patients requires paramedics to find out how much as well as what the patients took, and what is the correct medication to give in order to reverse the condition that is being experienced by the patient or drug user. With the various emergency responses comes danger, with the possibility of violent outbreaks by the addicts or users. Therefore, paramedics must be aware of their surroundings while handling the patients. In addition, patients who experience withdrawals tend to hallucinate a complete event as well as incorporate the paramedics, thus causing the patient to react violently towards the care provider. Drug addiction is a very serious condition that can be considered as a psychiatric problem, of which needs to be treated with a sure diligence as well as suspicion.

Within the realm of the emergency medical service, the response rate of addiction is not considered an emergency condition. The incident will arise if an addict is experiencing withdrawal violent signs or has substance overdose, and the patient would appear in a state of agitation or even unconsciousness. There is no prearranged method in handling a patient that is experiencing problems related to addiction. The key element is in treating the symptoms of the patient. All patients require supplementary oxygen through non rebreathe if tolerance is acceptable. To assist in flushing out a normal saline of infusion, obtaining of intravenous access is a must. Should a patient or addict be in a state of agitation or seizure, administration of a sedative is required, such as versed or valium. Caution must be taken when administrating benzodiazepines because of the risks regarding failure or respiratory depression is present. Should a patient experiencing an opiate overdose as well as low breathing, Narcan 0.4 – 2 milligrams must be administered, but caution must be observed when administering the drug of which is done slowly in order for the patient to breathe sufficiently so as to sustain life. Should breathing and airway problems continue then intubation must be considered in order to secure the airway of the patient. Quick transport with due concern is suggested in order for the patient to be evaluated so as to have the hospital staff commence detoxification.

Conclusion

The drug abuse and addiction world is unforgiving and harsh, especially if an addict or user is unwilling to leave it behind. A number of people claim that the addiction is all within the head, and research has verified this notion. The brain effects from a formed learned pattern is similarly rewarded to such activities like drinking or eating.

A lot of people do not comprehend as to how and why other people become drug addicts. It is wrongfully presumed that drug users have no willpower or moral principles and cannot stop using drugs simply by choosing to alter their behavior. The reality is, drug addiction and abuse is a complex illness, and quitting it requires lots of good intentions. In actual fact, because drugs alter the brain in ways that raise drug abuse compulsiveness, quitting becomes hard, even for the willing addicts.

A lot of drug users also believe that they can control their drug abuse and addiction. Having a drug habit is a costly affair that leads to loss of belongings, money and even self-esteem. Curiosity is what drives some people abuse drugs, while others it is peer pressure, and another group of people become addicts of prescription drugs. While drug abuse normally leads to drug addiction, overcoming drug addiction is no easy task. So the question begs, is this drug abuse or is this drug addiction? These are two completely separate paths that lead to the same depressing outcome. In addition, the consequences of drug abuse as well as drug addiction become noticeable after a given period of time whereby compulsiveness and violence take over, furthermore, the physical toll which includes illness and depression at times could be debilitating. Therefore, the only method to reducing drug abuse as well as addiction is through educating or sensitizing the public. Avoidance is viewed as the best prevention.

The Centers for Medicare & Medicaid Services (CMS) is part of the federal government’s Department of Health and Human Services. Because many Medicare and Medicaid recipients are elderly, much of the funding goes to nursing homes or eldercare services. Health agencies that receive certifications from Medicare undergo an assessment every three years. CMS assesses these home health agencies via quality measures and publishes each agency’s results.

CMS & Home Health

CMS provides scoring for all Medicare-certified home health agencies via Health Compare. The quality measures take into account: (1) the patient’s improvement in performing a variety of activities of daily living (ADLs), and (2) whether the patient’s health improves or stabilizes over time.

It is important to note that the quality measures should only be used as a general guide. Many home health care recipients are elderly, and each patient’s needs are different. Some patients are recovering from surgery or a medical emergency. Others have chronic and worsening medical conditions. Therefore, the lack of improvement in some home health care recipients is not due to poor standards or substandard care, but rather due to declining health. In addition, Medicare’s quality measures for home health are fairly recent and are still being refined. Currently, the quality measures provide a baseline to help consumers see how a local agency compares to both state and national averages.

CMS Quality Measures

CMS quality measures are used in Medicare-certified home health care agencies in order to come up with the final scoring. Medicare details the following quality measures:

* Three measures related to improvement in getting around:
– Percentage of patients who get better at walking or moving around
– Percentage of patients who get better at getting in and out of bed
– Percentage of patients who have less pain when moving around

* Four measures related to meeting the patient’s activities of daily living:
– Percentage of patients whose bladder control improves
– Percentage of patients who get better at bathing
– Percentage of patients who get better at taking their medicines correctly (by mouth)
– Percentage of patients who are short of breath less often

* Two measures about how health care ends:
– Percentage of patients who stay at home after an episode of home health care ends
– Percentage of patients whose wounds improved or healed after an operation

* Three measures related to patient medical emergencies:
– Percentage of patients who had to be admitted to the hospital
– Percentage of patients who need urgent, unplanned medical care
– Percentage of patients who need unplanned medical care related to a wound that is new, is worse, or has become infected

How can you find capable and honest people whose quirks won’t drive your parents nuts? How much will they be paid? For how many hours at a stretch? How many stretches per week or month? Will these people be employees of yours/your parents? Of an agency? Or independent contractors? Do you know how the IRS determines these things and what paperwork and record keeping are required? Have you thought about worker’s comp and withholding? Suppose the applicants don’t speak much English?

Finding Candidates
There are two common ways to find help. Your parents can hire workers through an agency or can hire privately using referrals from friends, neighbors, physicians, local groups, or advertisements. Do you and your parents know the pros and cons of each option?

Agency hires
What are the pros and cons?

If your parents hire through an agency, the helper is the employee of that agency. It will find candidates, select a helper, pay that person, withhold taxes, provide W-2 forms to the helper, and bill you/your parents at its hourly rate. Although your parents will not have to recruit, screen, or haggle over wages, they will have limited choice in whom the agency sends – but somebody will show up, including substitutes when your parents’ worker is ill or on vacation. Clients may ask about the agency’s hiring and screening policies but are expected to rely on the agency’s selection.

If your parents have a problem with the worker, they can call the agency and a supervisor will talk to the worker for them. This is a strong argument in favor of agency hires, as long as your parents are willing to ask for help. How likely are your parents to report dissatisfaction while problems are small and easily fixed? Will they have the moxie to call the supervisor? Will they let you know?

Your parents will probably be charged between $20.00 and $40.00 per hour and will have to agree to a minimum number of hours per visit, usually four. The worker receives about half of the agreed-on fee. If the worker is dissatisfied with the fee schedule or benefits, that dissatisfaction is with the agency, not with your parents. Most agencies have policies prohibiting clients from supplementing salaries or giving gifts to their helpers. This is to protect clients from pressure by rather poorly paid helpers. If a helper suggests ways to skirt this policy and bestow tokens or riches, the agency should be told immediately. This could lead to financial abuse. Will your parents tell you or the agency promptly if this happens?

Types of agencies:
If your parents need simple housekeeping, they should work with a housekeeping agency. If they need in-home help including personal assistance, they should use agencies that specialize in in-home helpers and non-medical personal care providers. If they need assistance with health problems, they’ll need to look into more skilled home health aides.

The first option, housekeeping agencies, provides people who clean homes. But even this apparently simple option should be influenced by the results of the check sheets.

• Some house cleaners sent by housekeeping agencies bring their own cleaning supplies. That’s a help if it saves you or your parents a shopping trip, especially one that involves hauling heavy containers. But it’s a problem if your parents want specific cleaning products used and not others.
• House cleaners from agencies probably are on a fairly tight schedule, will come in, clean, and move on to the next house and may work in pairs or teams. This is great if your parents want the house cleaned quickly because it reduces the time somebody is in their home. But it can be a problem for a parent who doesn’t like people in the house because it increases the number of people there at one time. And with a team cleaning, several rooms may be in upheaval at the same time.
• Agency house cleaners may also chat with each other, and not necessarily in English. This can be a problem if your parents don’t want the noise involved with several people cleaning and talking. If they want to work along with or supervise the helpers, they may hit trouble both because of the helpers’ time constraints and also because they may not speak much English. And, if your parents want sociability as well, they may want to avoid this option. These workers get paid for cleaning, not talking, and need to move quickly and get on to their next job.

The second option, agencies that provide personal assistance and light housekeeping, offers more services and more sociability. Even if your parents don’t need much assistance beyond light housekeeping at this point, choosing an agency that provides in-home health aides may make sense. As your parents’ needs increase, they won’t have to start fresh with a new agency. These agencies provide employees who can offer broader services including transportation, sociability, assistance with activities of daily living (ADLs), and other support. In essence, your parents make a list of things they’d like help with, how many hours a day/week they’d like assistance, and the agency does its best to match the request with their available staff. The agency bills an agreed hourly rate based on the level of difficulty of the services provided. It has policies about weekend, holiday, and overtime charges.

To get the best match through an agency that provides help beyond housekeeping, you and your parents should give the intake worker at the agency a detailed list of what your parents want help with and how they want to be helped. These checklists should be reviewed right away with any helper who shows up at the house to prevent the well meaning 19-year-old aide from driving your parents crazy by gabbing all day long about a fruitless search for a soul mate. Review the checklists and work regularly with the aide, and pass the feedback along to the aide’s supervisor at the agency. Attention to little details at the outset will make eldercare services more tolerable to your parents now and in the future.

For eldercare services to be tolerable to the elders, you need to explain to the in-home helpers exactly what your parents want help with. It’s not enough to say “hire someone to clean the house.” Does this mean the person cooks meals? Does laundry? Makes beds? Waters the lawn?

It seems simple enough. Your father said he can’t drive anymore so he needs someone to help him with shopping. Unfortunately, it’s easy to misinterpret what’s really needed. Does your father need someone to take a grocery list, go shopping and drop groceries off in the kitchen? Or does he need someone to stop by, pick him up, wait outside while he shops, bring him back, and drop him off? Does he need someone to go in the store and shop with him? For him? Help unpack and put the groceries away?

People make assumptions about what to do and how to help-and don’t get enough detailed information for the assistance to be acceptable to person needing assistance. To avoid these mistakes, and the complaints and cycle of hiring and firing in-home aides, get a complete picture of what your parents want help with. Begin the conversation by focusing first on a single, simple issue like shopping.

Because an apparently simple task like shopping is actually a series of smaller tasks, we have broken each topic into its components. Explore these details with your parents to learn what they really mean when they say “I think I want help shopping for groceries.” The detail may seem excessive to you, but it will make your parents feel understood and allow you to train the helper in acceptable assistance so his/her tenure will exceed a nanosecond.

• Shopping for groceries
Some people enjoy grocery shopping and would miss the activity. They may like the social connection of seeing and talking to other people in the store; they may enjoy slowly wandering down the aisles looking at and feeling the fresh fruits and vegetables, or they may want to keep control over decisions about what is purchased and how much money is spent. For these reasons, grocery shopping can plug into issues of authority and companionship.

Be sure you don’t hire a mismatch, e.g., someone who comes in and does a fabulous job selecting, buying, and organizing the groceries thereby annoying your parents who love to shop and see this as one of the last vestiges of control over daily life. Talk to your parents about the tasks involved in grocery shopping.

Do you want help:
• Deciding how much to spend?
• Making grocery lists?
• Getting to and from the store?
• Selecting the groceries?
• Navigating the aisles?
• Reaching items on very high and/or low shelves?
• Putting the groceries into the cart, onto the checkout counter?
• Paying?
• Carrying the groceries to the car and into the house?
• Unpacking the groceries?
• Doing the whole thing?

Grocery related issues – Do you want:
• Someone to follow along patiently while you shop?
• Someone to chat with while you are shopping?
• Someone to talk to the store clerks for you if you need help finding an item?
• Someone to handle the payment at check out?
• To do shopping on a regular schedule…when?
• To buy only specific brands or specific product sizes?

You may not have realized how much was involved in shopping for somebody else. Busy people just zip in, buy what they need and zip out. But, for people whose world has gotten smaller, these little things matter a great deal. No matter how experienced the provider of eldercare services is, he/she cannot anticipate each client’s preferences and may not ask in sufficient detail to get adequate information. Use these questions to help your parents get clear on exactly what they want help with and how they want to be helped, and to train the helper so he/she can provide elder care services they will accept.

Choosing a career in child care requires a natural love for children, the ability to be creative and inspiring, and consistent child care training. There are many ways to receive child care training which depends on if you are working for yourself or for a company.

It takes many character qualities to work with children successfully and among these characteristics is patience. You also need to use your imagination as well as your talents. If this is your first position in a child care career you may find it difficult to switch from a corporate setting or office setting to a relaxed atmosphere full of vivid colors, shapes, and toys.

Training for a company

If you are working for a children care company they may pay and provide child care training for all their employees. During child care training you will learn different topics to help you prepare for your career as a children’s care provider. The company that you are working for may require that you have so many hours of training and they may decide what topic they want you to receive child care training in and they will probably also pay for it as well. This care training can last anywhere from eight hours to twenty-four months, depending on what type of certification you are required to obtain.

Training for your business

If you have decided to open your home to other families and become a children care provider, you will need to first determine what type of training for child you need. The requirements for a care provider is different in every state so you will need to check with your local health and human resources department to determine what type of children’s care training is required before you can begin to provide care for them in your home. You will also need to determine what type of training you will need to continue to care for children in your home every year.

Training College Courses

If you love taking care of children and want to make a career of it, you may want to consider obtaining a child development degree or child care associate degree so you can open up your very own child care center outside of your home. You may also want to work for a child day care center in your local community instead of opening your own center. It’s not easy to obtain this training and it requires many hours of hard work, class time, and studying however it will be worth it when you have a degree and the job of your dreams.

Children’s care training can be provided locally in your community, at a college, or online. You can also receive training materials in the mail that allow you to read the instruction manual and then take a written test in order to achieve your certification in that particular area of children’s care.

Here the 4 Secrets of Fast Foods: Eating “On-The-Go” & Not Gaining Weight. The success of a weight loss plan is to accept that, by circumstance of time, location, or even money, one might end up in a fast food restaurant or having to eat while driving in their car. Just because one has to eat “on-the- go” does not mean your weight loss has to be disrupted. The secret is like eating anywhere is to have a plan. In this case it’s easier to remember what you should not have rather than the best choices. Here is the short list of what you should try to avoid: It’s as simple as can be, and if you examine it closely it really works. I use a simple acronym: F.A.S.T. to point to the really bad drinks and foods.

The Perfect World:

Ideally, everybody has the “right breakfast” at home, does away with eating at fast food restaurants, picks lower calorie alternatives at the office or at the school cafeteria for lunch, has a high-protein, low-carb snack in the late afternoon and then comes home at the end of the day for a nutritious, healthy dinner including fish, vegetables and salad. That is the perfect world.

50% of All Food is Fast Food Types:

Unfortunately, let’s face it, the perfect world never happens in the lives of the majority of Americans. The NPD Group®, an organization that estimates food trends in the United States, reported in 2002 that more than 50% of all food consumed (not just restaurant foods) consisted of burgers, fries, Mexican food and pizza.

Why Fast Foods?

Consumers go to the drive through at McDonald’s®, Burger King® or Taco Bell® and pick up burgers, chicken nuggets and fries without even thinking about the consequences. These foods taste good, are cheap, satisfying and, most importantly, are convenient-they fit into our busy life styles. Unfortunately, gaining weight is easy even when you only eat small amounts of these high-calorie, fattening foods, especially foods with portions that are difficult to control.

Fast Foods Give Pleasure:

The reality is that, more often than not, these foods represent a main source of a lot of pleasure for many people. Depriving yourself of what you like only leads to wanting it more. Sooner or later, the “I can’t have it” becomes “I must have it” and creates anxiety. The SECRET is to learn how to choose smartly from the vast selection available.

4 Secrets to FAST Food Eating: F.A.S.T.

When you find yourself forced to eat on the go, the secret is to choose foods that will not add thousands of calories to your diet. From all of the choices that surround you, here is a short list of what you should try to avoid.

Just remember the word, “FAST.”

  • F=no fried foods
  • A= No add on’s-sauces, high cal dressings, dips, mayo, all “special sauces”
  • S= skip breakfast, skip sugary drinks
  • T= “thick”--no burgers, sandwiches that have double & triple layers, remember most of these have been eliminated because they are fried.

The easiest way to navigate the 200 or more items is not what’s good, but what’s bad. Here is how F.A.S. T. eliminates all of the high calorie, high carb foods:

F: No Fried Foods for Lunch and Dinner at Fast Food Restaurants:

You really only need to avoid a small number of items among the two hundred or more food choices we are exposed to everyday. Going to fast food restaurants and finding reasonable, low-calorie, portion-controlled foods is absolutely possible.

fried foods: this eliminates all burgers, fried chicken, fried fish, French Fries, onion nuggets

A: Add-On’s:

This means all of the sauces, including Mayo, many of the proprietary sauces, bad salad dressings, croutons,- this can save you hundreds of calories.

Low cal salad dressings, mustard and ketchup are great

S: Skip: Skip Breakfast:

Breakfast is the easiest meal to adjust because what we choose to eat in the morning is not as much about satisfying cravings or wanting comfort food. Many people will pick up the first thing they see, such as a Pop Tart®, a bagel, pastry, a donuts or a muffin. In fact, we would be just as satisfied with foods that have much lower calories. Fast food breakfasts can easily account for a third to half of the total daily calories for a person on a diet. Often, people in a rush get their breakfast at a drive Thur gobble down their food in their cars and often do not even realize what they are eating! –SKIP BREAKFAST IN THESE RESTAURANTS

S: Skip: Skip sugary drinks:

Forget the juices, fruit punches, whole milk, high calorie lattes, and mostly the regular soft drinks There are numerous zero calorie drinks, try water, diet soft drinks, no fat milk

T: Thick(double stacked, multiple ingredients)

If the fried food exclusion did not get you, this will. This eliminates all foods with multiple more than one meat or chicken patty, combinations of meat-bacon and other almost crazy ideas. Vegetables like lettuce and tomatoes on great, we are talking about adding extra proteins and carbs to the sandwiches.

What Can You Eat: Here are the foods that past the F.A. S. T. “test”:

McDonald’s: hamburgers(single), cheese burgers, grilled chicken, wrap snacks, apple dippers, all salads, side salads, watch-no creamy dressings,

Burger King: hamburger, cheese burger, chicken sandwich-grilled, BK Burger Shots(kids and adults), salads, again watch dressing and add-on’s

Wendy’s: Junior hamburger or cheese burger, grilled chicken, Classic single, chili(large or small), baked potato.(sour cream and chives as 80 calories), all salads-watch the add-on’s and dressings,

Subway: most subs, nothing fried, no mayo, watch sauces, avoid meatball, Philly cheese-steak, chicken and bacon ranch, BMT, Italian spicy, Feast, Chicken Teryaki

It’s that simple, you can go to these places when you need to you just need to be a little careful with what you chose.

Just remember: FAST-fried-skip-skip-ad-ons-thick & stacked

Choosing an eldercare home for an elderly can be a challenging task. You want them to get the best care they can and should receive, but there are just so many homes around, you may just feel lost at to what to consider. But do not worry too much, as here we have a guide to choosing a suitable eldercare home for the elderly.

First of all, you should talk to the elderly person, even if they are very sick. They are still very much human like we are, and would appreciate being consulted before having any decisions made. There may be some things that they would want in the centre in order for them to live comfortably. Whether it is the personality of the people caring for them or the facilities available, if the request is not too much to ask, and if some of the homes have what they need, you can narrow down your options to the few homes. At least you are taking care of their spiritual needs this way. You should also evaluate the other needs of the person, for example, if they are gravely ill needing 24-hour care, or healthy and require minimal supervision.

The cost of the eldercare should also be taken into consideration as what you can give may determine the type of care received. Some of these expenses can be covered by insurance, depending on the type of care the elderly receives. Nevertheless, make sure you calculate the costs that you will need to chip in, such as the care, medicine, toiletries, and other necessities.

Ensure that the company that provides the eldercare service is licensed, and meets the state and federal guidelines to provide care for elderly people. With the license, it is recognized that the minimum standards to care for the elderly are met by the centre. Those standards can range from the architectural dimensions of the centre; the staff having undergone intensive training and received certification; as well as the facilities and services available. Such standards are made in order to create a safer environment for the elderly. You should also do additional research on the service provided and ask for references. Just because a centre may be licensed does not make it satisfactory.

Last but not least, pay the centre a visit. Both you are the elderly person should take a look at the place to see if the environment is pleasant and clean, staff are hospitable, and the residents are safe. You will want the elderly person to be able to live there peacefully without complaints. Then, both of you can make the final say.

A study conducted by an organization known as Monitoring the Future, found that 47% of teenagers had involved used illegal drugs before they completed high school. This is not only a problem attributed to the youth, since it is found in adults too. Illegal drugs have a detrimental effect on the livelihoods of the people who use them, making it a national concern. People have lost their lives, and caused untold pain to those who are around them. These drugs have also led to a high level of crime, an issue, which has led to the formation of enforcement agencies, to fight the vice. There is a significant relationship between Drug Abuse and Health Care Cost.

How the abuse of drugs affects healthcare costs.

People who use illegal drugs spend a lot of time in medical facilities, due to a myriad of problems brought about by consumption of the drugs. These drugs affect your health directly by compromising your immune system. If you abuse drugs, you will always be suffering from one illness to another, thereby resulting in more visits to the hospital, than you would, if you were not abusing the drugs. This considerably increases the cost of health care per capita. Insurance companies that provide healthcare schemes are therefore forced to increase the amount of money that you pay, in the form of premiums. Government healthcare schemes are also stretched thus, providing lower cover for people. Drug abuse also has an indirect effect on the cost of healthcare. Scores of people around you will be affected when you abuse drugs. Accidents, on people who do not use drugs, caused by people who are under the influence of drugs are on the increase. These people need medical care, and therefore have to spend large sums of money, treating a condition that was not of their own doing. This is how drugs, directly and indirectly, affect the cost of healthcare provision.

Apart from increasing the cost of providing emergency medical response to people who abuse drugs, a large volume of financial resources goes into curative drug abuse programs. These are programs designed to help you stop abusing drugs. The reason why they are expensive is because they take a long time to have any measurable effect, and they are conducted by highly paid professionals. Drug rehabilitation programs have a draining effect on the exchequer. A lot of taxes are used in creating programs that help people to stop using drugs. Private medical care schemes also spend a lot of money in paying for private rehabilitation of drug addicts in clinics or at home. The costs are further increased by the fact that you still have to be monitored after you leave a rehabilitation facility. This is done so you do not suffer a relapse, and end up where you began.

How you can help lower the healthcare costs brought about by drug abuse.

The first step towards lowering this cost is to stay away from drugs in the first place. Get involved with your peers, and other members of your community, to educate people on the dangers of abusing these drugs. Your efforts will reduce the cost of providing healthcare to drug addicts. If you, or anyone you know, are abusing drugs, you should seek immediate help from a professional. The cost of rehabilitation can be reduced considerably, if you make a personal commitment to staying away from illicit drugs. If you go through a rehabilitation program, only to relapse later, you will have increased the national cost of healthcare provision.

The untold story of abusing prescription drugs

Although the abuse of illegal drugs is a primary concern, when it comes to the cost of providing healthcare, the abuse of prescription drugs, to a lesser extent, also contributes to this issue. When you are addicted to prescription drugs, you will have to spend a lot of money buying the drugs, when you do not need them. To stop this, you should use all prescription drugs according to the directions given by your physician. Do not use the drugs, for a longer period than that prescribed. If you do not get better, you should visit your physician who will give you an alternative treatment.

“If mom is not working, no child care,” insisted Deputy District Attorney Roye Randall of Los Angeles County at the pre-hearing interview of a mother of three, seeking modification of child(ren) support from the father through the County of Los Angeles Child Support Services Department.

Mandatory Child Care
Related To Employment:

The mother, as the other parent represented by this Author, in the proceedings for modification of child(ren) support before Department 2G, Com. Anthony B. Drewry presiding, (Com. H.M. Webster retired in April 2009) against the father as respondent, was willing to split monthly children care costs of $1,056.00 (at $88 per week per child).

But the father objected to child care costs and yet asserted that mom should be working. But mom has three children, 10, 9, and 7 years of age, and a fourth child, 1 year old, with another partner, who is living with mom and the four children.

With four young children, mom is a full time homemaker without time to look for work, nor study, nor train for work, nor actually work. Should the rule on child care costs be changed to provide child care costs to allow mom to look for work and hopefully find work?

Indeed, Section 4062(a)(1) of the Family Code provides for child care costs as mandatory add-on, if “related to employment or reasonably necessary education or training for employment skills” of a parent.

Pros and Cons On Changing
Child Care Rule:

The proposed change in child care costs rule is for the non-custodial parent to provide child care costs to allow the not-working custodial parent to look for work for a reasonable length of time.

Otherwise, the rule perpetuates the status quo, with mom unable to pursue her work or career development, and dad liable for more non-custodial parent’s basic child support according to the Family Code guidelines.

If mom is able to work and earn income, she would be able to contribute to child care costs. And dad’s basic child support payment would be lessened due to mom’s income according to the guidelines.

On the contrary, if the rule of no child care costs for a non-working mom is retained, mom would be a better child caregiver than any other care-provider unrelated to the child. And the dad would not be burdened with paying child care costs in addition to the basic child support payment.

Child Support
Deviation Guidelines:

The guideline formula for computing basic child support is stated as an algebraic formula in Family Code Section 4055(a), as: CS=K[HN-(H%)(TN)]. CS= child support amount; K= amount of income to be allocated for child support as stated in Family Code Section 4055(b)(3); H%= percentage of time the high earner parent has or will have physical custody of the child, compared to that of the other parent; and TN= total net monthly disposable income of both parties.

As a matter of practice, California family law courts arrive at the basic and additional child support payments by using the DISSOMASTER software, where relevant entries from the Income and Expense Declaration of each parent are entered, pursuant to standards contained in California Rule of Court 1258 (renumbered Rule 5:275).

After the formula child support is computed, the court may deviate from the formula amount of support by considering one or more of the five codified factors of: (1) parties’ stipulation to a different amount of child support; (2) deferred sale of family residence whose rental value exceeds mortgage payments, homeowner’s insurance, and property taxes; (3) parent’s extraordinary high income and formula amount of support exceeds needs of the child; (4) non-contribution to needs of the child commensurate with the parent’s custodial time; and (5) special circumstances causing application of the formula to be unjust or inappropriate, stated in Family Code Section 4057(b).

Mandatory and Discretionary
Add-ons To Child Support For
Child Care:

Family Code Section 4062(a) states the two (2) mandatory add-ons to child support, as “(1) child care costs related to employment or to reasonably necessary education or training for employment skills” of a parent; and “(2) reasonable uninsured health care costs for the children.”

And the two discretionary add-ons under Family Code Section 4062(b) are: “(1) costs related to the educational or other special needs of the children;” and “(2) travel expenses for visitation.”

The aforesaid add-ons are considered additional support for the children; and such child care costs may be apportioned one-half to each parent, or a different apportionment, if requested by either parent, in proportion to their net disposable incomes, pursuant to Family Code Section 4061.

Conclusion:

Whether mom or a custodial parent can get child care costs pursuant to Family Code Section 4062(a) and (b) depends on whether the child care costs are mandatory or discretionary add-ons to basic child support.

As mandatory, the Family Law Judge or Commissioner has no discretion not to grant child care costs related to employment or necessary education or training for employment skills for a parent and uninsured health care costs for the child

As discretionary, child care costs related to educational or other special needs of the children and travel expenses for visitation, the Judge or Commissioner may decide one way or the other, as long as no abuse of discretion is committed.

Finding the right way to care for aging members of the family can be tough job. There are a variety of online resources for researching your options so you can make a choice that will benefit everyone.

The aging of America has led to a booming industry providing for the care of our seniors. It has also led to difficulties with Medicare and dire threats of the collapse of Social Security. What is important however is that the medical establishment has responded in a variety of ways to support the special needs of people in their final years.

The omnibus site provided by the Department of Health and Human Services is. This site provides a thorough selection of choices for locating eldercare services in your community. The site is multilingual and provides both online support and phone numbers that can be utilized.

A sponsored site with good information can be found at. It is sponsored by QuietCare, a security warning device for seniors living at home. Nevertheless, the site has a good collection of “how to” articles for both seniors and those family members who feel charged with guiding them through the lifestyle changes leading to eldercare.

An extremely well organized site that provides the same guidance and a library of other online resources is at. This site takes the caregiver from first steps right through facility selection and legal issues. Perhaps the most valuable portion of the site is a list of related online sites, broken out by category. Divisions include Assisted Living; Food and Nutrition; Legal Issues; Equipment and Personal Health Supplies; Financial Issues; and several others. For each of these categories the site provides a dozen or more major web sites as references. A few are commercial; more of them, however, appear to be sites put up by professional associations in the industry or non-profits that give unbiased recommendations on resources.

There is a National Long Term Care Ombudsman Resource Center (ORC) established and supported by the Federal Government. This organization is an excellent starting point for localized resources. You can click on a map on their web site and select a state where you’ll find listings for such offices as the State and Regional Ombudsmen, Office of License (where you can check on Long Term Care facilities); Medicaid Fraud Control; and so forth. The site is located at.

Ancillary issues facing our senior population today is what sort of long term care insurance is best for them, and the question of whether or not they should pursue home equity conversion, a “reverse mortgage,” to finance their final years. There are increasing numbers of online resources relating to both these areas.

One site that covers both issues and several other related matters – such as wills, trusts and powers of attorney; assist technology and remote monitoring – is the National Care Planning Council’s Guide to Long Term Care Planning at. The site includes 35 in-depth chapters totaling over 670 printable pages covering virtually all areas of long-term care planning. It also provides numerous lists of care providers, advisers and specialized services in four categories of care needs. For the role of Medicare in Long Term Care, go to the government site at.

Finally, the AARP provides some basic information on reverse mortgages at. HUD has a reverse mortgage program that is insured by the FHA and is outlined at. Reverse mortgages are expensive, and not without complications. The FHA insists that reverse mortgages on loans they’ve insured not be provided without a counseling session between an FHA or HUD professional and the homeowners.

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.

Professional Services
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.

Your parents need more help than they’re willing to admit. They bristle at the thought of elder care services and independent living programs, and they have fired all the in-home helpers and housekeepers you’ve hired for them. How might you prevail upon them to accept some assistance? Ask them about their pets.

They surely want the best for their animals and might be willing to let somebody take their dog for an occasional romp or change the litter box a couple of times a week.

Pet owners often make decisions about their own health and circumstances based on the impact the decisions would have on their pets. “I can’t go into the hospital over night for the test the doctor ordered-who would feed and walk Fluffy?” Your parents might welcome assistance that would make it easier to keep the animal at home and in good health and spirits. And, accepting help for the pet is easier than admitting you need help yourself. Still, help is help, and accepting help for the pet is a face-saving way to ease in to help for oneself.

There are various dog walking and pet sitting services, and some are fully bonded and insured. Local animal shelters and veterinary practices have referral lists. Neighbors with pets probably have recommendations too. A responsible teenage neighbor looking for pocket money might also be a good resource.

When was the last time your parents’ pet went to the vet for an exam and shots? Getting an animal into a carrier is hard enough for many pet owners in the prime of their-and their pet’s-life. It may well be impossible for your parents to catch the cat, put it in the carrier and carry the carrier to the car they shouldn’t be driving anyway.

The way to make assistance tolerable is to get clear and detailed information about what your parents want help with and how they want to be helped. Starting with a topic they’re willing to consider, help with a trip to the vet, you can follow this good experience with others like help with shopping and eventually with in-home help.

Do your parents want help with:

• Walking the pet
• Feeding and watering the pet
• Cleaning up after the pet, inside or out
• Getting the pet ready to go to the vet
• Taking the pet to the vet
• Staying with the pet if your parent is out of town or in the hospital?

No matter how experienced the provider of eldercare services is, he/she cannot anticipate each client’s preferences and may not ask in sufficient detail to get adequate information. Use these questions to help your parents get clear on exactly what they want help with and how they want to be helped, and to train the helper so he/she can provide elder care services they will accept.

Natural health treatments are best treated when the whole of you is taken into consideration. Typical health treatments isolate parts of you, dealing only with your eye, your big toe, you digestion, etc. But how can this make sense, bearing in mind the whole of you is all connected?

Let’s look at a more efficient way of considering the whole of you in your treatment.

Consider shock. Initially this can cause an increase in your heart rate, make you sweat more, make you extremely anxious, agitated and restless. Your body is preparing you for flight – to flee from a potentially dangerous situation. However, often shock comes after the danger has passed, such as in a bad accident. Fleeing is no longer necessary, although it would have resolved the shock.

This unresolved shock remains in your system forever, unless it is energetically treated. This can lead to ailments such as high blood pressure, panic attacks, heart conditions and other serious health issues.

But by resolving the shock with an energetic health care modality such as homeopathy, the related health issues are also resolved.

Homeopathy works at an energetic level, which is highly appropriate given that you are an energy being. Many people find this concept hard to understand, in this current climate where the focus of ill health is on the physical, or outside forces. However, natural treatments as a whole, and homeopathy in particular, understand that this is a very limited way of looking at health. And normally, an ineffective one.

It does mean a change of mindset. But given the fact that worldwide health is at an all time low even, or perhaps especially, in those countries where medicine has never been more available, it may be a long overdue change.

Jackets are an essential part of Mens clothing. They keep you warm and can be a perfect addition to any stylish outfit. Jackets are offered in a range of different styles and designs. Below are some of the popular styles designed for casual wear. After reading this you will understand what type of mens clothing should be worn with each jacket. This kind of mens clothing is meant for autumn and winter seasons when the temperature dips down. By learning about the different jackets available you can decide which fits your style and liking.

A lot of the styles which are found in Mens clothing today, originally came from clothing made for soldiers, pilots and sailors in World War I and II. The bomber jacket is a great example of clothing originating from that era. A bomber jacket is made from leather and designed to keep the body warm. This type of mens clothing is fitted and has an elastic waistline and cuffs to prevent cold air from coming in and warm air from escaping. This is the kind of clothing you will want to have in your wardrobe for autumn and early winter. Some bomber jackets are offered with fur lining to provide extra insulation and protection from the cold. It is essential that you choose a bomber jacket that fits right and is not too baggy or bunched up.

A pea coat is another popular style of clothing worn during colder seasons. Pea coats are made of wool and have large buttons made from wood or metal. Pea coats usually are thigh length and are available in colors such as navy blue, black, olive green and brown. Pea coats are not exclusively mens clothing and are also worn by women. This kind of clothing suits all body types as long as it is worn at the right length.

A blazer is a must have if you are looking for a complete clothing wardrobe. It looks great with jeans and corduroy pants. If you are planning to wear a blazer for a date, you should pair a black blazer with a white v-neck tshirt and jeans. This combination of clothing will really make a man look well defined and smart. When wearing a blazer you should always wear mens clothing that is contrasting in color. Tan and white, black and white, navy blue and tan are just some of the color combinations to consider while wearing this type of mens clothing. Many times the blazer is confused with the sports jacket. A sports jacket is a completely different type of clothing. Tweed is a common fabric used for making sports jackets. Now that you have gained an idea of the different jackets available, you can start shopping for the right kind of mens clothing to fill your wardrobe. Color, fit, length and style are the main keys to finding a proper jacket. Browsing through a number of stores will give you an idea of what clothing is currently in style and the kind of look that will be suitable for you.

my personal payday loan story that can help you

the term payday loan starts with the letter “p” which is the same letter that starts off the words pain, penalty, poor and poverty. Both the internet and the physical world are full of places where you can get a loan with bad credit, no credit check, and no employment verification but what these modern day loan sharks don’t tell you is that their interest rates are so high that one day you may end up with the payday loan mafia coming after you!

Sure, these loans look very attractive to those in financial need that are unable to get a loan by conventional means but when the facts are presented what you have to pay back just isn’t worth it. This fictional character that we all refer to as “guido” which is the person that comes to break your arms and legs when you don’t pay a loan shark back is in existence in a different way when it comes to payday loans. Instead of your arms and legs the payday loan guido comes after your heart, soul and peace of mind.

Payday loan places make their offerings look so attractive but it is all an illusion because who can really see when they are desperate? What you don’t want to happen is for what appears to be a temporary solution to become a long term problem and many times that is exactly what happens.

I’ve been caught in the payday loan otherwise known as payday advance web many times. Sometimes life’s circumstances leave us very few choices and we decide to do what we feel like we have to do to buy gas and put food on the table. Like I said, I’ve been there before and as a survivor of payday loan debt I have knowledge that can help you.

I want you to ask yourself a question which is, “if you don’t have enough money to get by what makes you think you can payoff a loan with 300%- 700% interest?” You might as well sell your first born child. Payday loans may seem good in the short run and you may get instant gratification and even a rush when you hold that cash in your hands or see it in your bank account but in the long run it is a race that many can’t win.

My story, like many, was that I obtained payday loans to cover immediate expenses I needed cash for but didn’t have money to pay the loans back so I got extension after extension paying out ungodly amounts of money. Before long I was getting new payday loans just to pay the other payday loans I had received. I was trapped in a vicious cycle with no way out and a ton of stress upon me. I became a needy fly caught in the payday loan web, especially since most of my loans were online loans; I was literally in a virtual web. The payday loan spider sucked the life blood out of my bank accounts and I didn’t know what to do.

Please understand that you can’t solve a problem with a problem and you can’t come out debt by creating more debt. The solution to your debt starts with gaining additional income sources and paying off existing debt little by little so you can be free. In my own personal payday loan crisis I got up to almost $7, 000 worth of payday loans and when renewal payment time came my entire paycheck was gone. This is a miserable experience that I pray you can avoid. You might already be at this state but even if you are I have some suggestions for you that will offer hope.

The first thing you have to do is to make a conscious decision to get out of this situation. Decide to change and become a butterfly rather than a fly caught up in the payday loan web. When a caterpillar is going through the metamorphosis in the cocoon in order to become a butterfly there is a struggle. The struggle is in fact what makes the butterfly great because the struggle to get out of the cocoon transformed actually pushes fluid from the butterfly’s body into its wings so that it can emerge in beautiful flight. This process may be a little painful but it will help you fly and be what you were made to be.

One thing that I did was to become an affiliate for payday loan companies so that I could get paid from other people acquiring payday loans. Some people are just going to get them so there is no reason why you shouldn’t get paid from the process that made you pay so much. The second thing I did is what really helped me which was to get a payday loan consolidation company to take on my debt at a reduced amount and pay the payday loans back for me on my behalf. It was one of the best choices I ever made and it was a way out of the payday loan web.

You can do a Google search to find companies that will represent you in this way but do your research and make sure that the company you choose is credible. I used pdl assistance, inc. They require an upfront fee to take your case but they will work with you on paying it and it is around $200. Next you set up a plan to pay them a monthly amount on your payday loan debt and they pay your debtors directly. They will give you different term options to pay the debt off and they will deal with the payday loan companies for you. Doing this took a huge weight off of me. I got a 12 month term to repay my payday loan debt at 35% of what I owed the payday loan companies. The $400 a month I was paying on this plan was much better than the $700 plus every two weeks I was paying for all the loans I had.

One important thing to know when you start a payday loan consolidation program is that the payday loan companies are going to call you to collect. When they call just give them the information for the company that is representing you and let them know that the debt is going to be repaid to them as part of a loan/debt consolidation program you have initiated. I obtained the fax numbers to my payday loan companies and sent them notification on who to contact regarding the repayment of my loans. If you do this make sure to include your account number and social security number so they can properly locate your account.

Some companies will continue to try and collect from you in spite of this so I have another suggestion if this happens. If you get numerous collection calls after you have informed them about your debt consolidation you need to fax and/or send them a cease and desist letter. You can get a template off the internet and submitting this letter will stop the collection calls while your debt consolidation program is in the works.

Another tip is to close the bank account you have the loan fees being deducted from if possible. You will want to start a new account before you close your existing account and under no circumstances get payday loans under the new account. You have to treat the payday loan habit like an addiction. If you are going to stop it then stop it because replicating the mistake will only make things worse for you.

If you need money then get bad credit credit cards and pay them on time to build your credit. Pay more than the minimum payment and use them to pay bills so you can pay what you need to pay while building your credit. No debt consolidation company can legally advise you to close your account but sometimes it is the only way to keep the payments from being processed and causing you hundreds or even thousands of dollars in overdraft fees. For me this was the easiest way because I had so many loans and it would have cost me a $25 fee for every stop payment processed plus the bank could have missed some.

I also want you to know that the cease and desist letter can be used for any type of debt collection and not just payday loans. It is important to know your rights and you can find them out online at the federal trade commission’s website where you can learn about the fair debt collection act. You will learn what creditors can and cannot do regarding the collection of your debts and how to stop inconvenient and harassing behavior.

I do not encourage anyone to get a payday loan because it can get out of control so easily. If you must get a payday loan be sure to get one with low fees well below the normal $30 per $100 borrowed.

Why should I use a travel agent to book my trip instead of booking it myself on the internet? This is a question I had to answer recently for a potential client with whom I was speaking to for the first time. As a travel professional, I get this type of question a lot.

In this article I will reveal to you how I answered this question and how you can benefit from using the services of a professional travel agent versus booking your own travel online using a travel search engine.

1. Save time.

Sure you can spend hours, days, even months researching destinations and going from website to website in order to plan your own travel itinerary, but why would you want to do that? Time is a precious commodity that we can never get back. While you are spending all this time doing research and going from website to website to see if you can get a better deal, you could have more easily picked up the phone to have a travel agent do this research for you.

Professional travel agents are trained to do this because it’s their job. A travel professional can do all the research, coordinate all the logistics, and put together a complete itinerary for your trip in a fraction of the time you can do it for yourself.

2. Use the agent’s knowledge and resources.

Travel agents are trained travel professionals. It’s their job to know the ins and outs of popular travel destinations. Although there is a ton of information on the internet readily available to the public, travel professionals have first-hand knowledge of many or most of the destinations you may choose to visit.

Secondly, travel professionals often have resources to inventory, special offers, and discounts available only to travel professionals to offer their clients. By using an agent, you’ll be able to take advantage of these resources.

3. The travel agent advocates for you should something go wrong on your trip.

Let’s say you have booked a flight and hotel online on one of the highly-advertised travel sites. Bingo! You’re all set. Or are you?

You check your confirmation and realize that you booked the wrong date. So you call customer service and you wait and wait; then finally you get a customer service representative who then tells you that there’s a fee to change your reservation. Okay so you pay the fee, after all you don’t have much of a choice.

The day comes for you to catch your flight. You get to your destination, but your luggage does not. The airline has lost one of your bags. So you’re stuck again with a problem, and call customer service again. You get to your hotel to rest from your long day, and find that your hotel room isn’t ready. Here you go again.

Now I’m not implying that a travel agent could have prevented all of this, but as a member of the travel industry, travel agents have special relationships with travel vendors. A complaint call or letter from a travel agent is more likely to get an expedited response than a letter from you, because of the agent’s relationship with the travel vendor.

I know what you’re thinking. You think that you’ll pay more to use a travel agent. It’s an incorrect assumption to think that using the services of a travel agent will be more expensive than booking your own travel online. Although some agents charge a service, the benefits of using a professional travel agent far outweigh the risks of not using an agent.

Discovering which style not only goes with your personality, but also with your fashion sense is difficult for many women. Unless you are really confident in yourself or majored in fashion, choosing colors, clothing pieces, and accessories to complement you is a daunting task. Here are some ideas to help you in your pursuit of fashion.

First, what colors do you normally wear? Almost every woman has colors she naturally gravitates towards, whether it is slimming, classic black or neon lime. Knowing which colors you often wear can help you determine which colors you should choose for accessories and where you could branch out. There are four basic fashion types. You might be wholly one style or a mixture. That is part of the beauty of fashion; there really are no wrong answers.

Do you like pastels, pink, tangerine, baby blue, ivory, and cream? Then you are probably a romantic style. Nichole Kidman is one notable celebrity whose fashion sense is very romantic. Romantic personalities like hearts, lace, sparkles, and anything traditionally associated as “girly”. To add more romantic accessories to your closet, focus on simple gold pieces such as lockets, delicate scarves, lace gloves, and ruffled bags.

For those who prefer natural colors such as greens, browns, gray, beige, and similar shades, Meg Ryan is your inspiration. Casual and comfortable, this is called the natural style. Jewelry with stones or beads will probably be most appealing to you, and simple, practical handbags like a messenger bag will be your best friend. If you want to be more “adventurous” with your style, look for bags in colors such as squash mustard which will still match your color scheme while allowing you to look daring.

Audrey Hepburn’s style can only be called classic. Ageless pearls, structured black bags, and timeless red lips are all characteristics of a classic fashion style. If you fall into this category your closet will likely consist of timeless basic pieces in navy, gray, black, white, cream, and red.

Many women fall into the category of the brighter the better. Wild, bright colors, prints, and a willingness to try almost anything is typical of a bold style. Jennifer Lopez and Lady Gaga are two very different examples of this style. Purple and metallic accessories are perfect for you if your style falls into this category. Large is also part of your fashion statement. Big earrings, pendants, chunky bracelets, and oversized handbags are a great way to express your energy and enthusiasm for life.

Trends in furniture are always fluid and changing just like most other home decor trends. Each year, new and recycled designs, patterns, hues, and visual combinations are declared as the season’s hottest trends in home decor and interior design. Because of this fact, home staging is also impacted by recent trends in home decor as potential buyers are possibly looking for familiar elements or arrangements that they expect to see in contemporary homes.

While home staging is geared towards depersonalizing the house and making it as neutral as possible for as many possible clients as possible, it does benefit from the integration of current home furniture trends. A staged property that features intelligently-selected furniture items that reflect popular trends in home design will be able to go head-to-head with other listings that are also staged for contemporary home buyers. This is more of a priority for homes in general areas that younger residents are flocking to, or in urban, professional districts where apartments or condominiums are the usual types of dwellings.

The following furniture trends are making waves in 2017:

Creative patterns and designs in couches and chairs. For sofa couches and living room chairs, prints and designs have become quite popular once more, especially if set in white backgrounds such as walls. You can throw in some solid-colored accent chairs with a sofa set with design patterns to create a visual contrast.

Beds equipped with storage spaces. Modern bed designs combined with drawer boxes or under-bed storage spaces are trending again, with a great number of home buyers choosing to downsize from larger homes or opting for practical options.

Antique and handcrafted furniture combined with modern arrangements. Many contemporary home furniture designers and experts are experimenting with the meshing of old and new furniture pieces. Antique furniture pieces or handcrafted artsy items from different countries are now considered as popular accent or functional additions to furniture arrangements.

Consumers are staying away from big and overpriced furniture. Consumers are choosing to be practical and look for furniture pieces that are smaller but cost-efficient, particularly furniture that are functional without taking up too much space or costing an arm and a leg.

White is in style. White is back, especially as background color or for furniture finish. They are simple to arrange and combine with other colors of furniture items, and makes the area bright and airy.

People need home offices. Workplace trends are also shifting, making it more usual for people to work part-time or full-time from their residences. Desks, chairs, and workstations that combine function and comfort are particularly attractive to today’s homeowners.

Your home furniture plays a vital role in making your style statement. Decorating a perfect house starts with selecting good furniture. So if your first choice is not perfect, then the end result might not be as fulfilling as you want. If you want the furniture to have class and durability, then investing in stylish home furniture would be the best choice.

What you choose to furnish your home is a reflection of your personal taste. This makes it important for you to first be clear on how you want to decorate your home, what kind of furniture you want to buy and how you want to go about it. Furniture is available in different varieties for all kind of rooms. Be it for the living room, dining room, kitchen, bedroom or even the patio, furniture of different sizes are needed most of your basic needs. Whatever type of furniture you decide to purchase; it should emphasize the character and style of your house.

Stylish home furniture comes in various designs, size, shape, structure and materials such as wood and metal. Though wood furniture is generally accepted as the best, metal furniture can also be a good substitute if the budget is low. A living room is an area where you host most of your parties and entertain guest, thus a lot of attention should be given there. As first impression is the last one consider the kind of sofas, coffee tables, TV stands and cabinets, end tables and other decorative accessories very carefully. They should not only be attractive but comfortable but most importantly go well with each other and also be careful not to overcrowd the living room.

The dining area is another important corner of your house which the guests are likely to visit. The furniture for this area in particular should ooze elegance. The dining table set should not only be visually attractive but also comfortable. Many homes have their dining room and kitchen combined. In that case you will have to make sure that the kitchen and the dining area have a common theme. All the miscellaneous, serving tables and the dining table should fit in such a way that it allows you easy movement around the place.

The bedroom is for your personal space. It should be designed in such a way that you can shed the entire day’s tiredness in a minute and relax in peace. Especially your bed! As soon as you fall on it you should be able to experience heaven. That’s the reason why people spend heavily for luxurious beds because there is nothing better than a good night’s sleep. Apart from the bed your room also needs armories, dressers, night tables and some more storage furniture.

If you have kids around then you’ll have an additional room to be taken care of. Kid’s room furniture comes in attractive designs and styles. Apart from the indoors if you have a beautiful patio then get the chance to work with material like wicker and metal. Decorate it with benches, plant stands, love seats, coffee tables and anything which fits in well with the outdoor theme.

So now that you have many reasons to accentuate your house’s beauty from within and outside, bring home stylish modern furniture and enjoy all the extra attention.

This is rightly named as the age of traveler centrality and with the evolution of the new era of personalized travel; it is leading to research and development of a host of new so-called intelligent services. The command-and-control perspectives of traveling have changed a lot from the past and the focus has shifted more on the traveler and the productivity of each trip. It has become essential to maintain that the travelers have the greatest return on investment on each trip. New generations of young employees and managers, who have been growing up and dwelling in a digital age, are moving up the ranks as travelers. It has become essential to recognize the need for greater flexibility acknowledging that the employees who travel on corporate trips also consider a percentage of their trip to be a leisure outlet. With increasing globalization and rise in companies sending their staff overseas to network and connect with their offshore prospects/customers/suppliers, corporate travel is a highly profitable tourism segment. Before we talk about how tourism companies can better cater to business travelers, let us first look at why they prefer to use specialized corporate agencies over traditional agents

Why do businesses use Corporate Travel Agencies?

This might be the most basic question for a travel agency as to why they need to use agencies specializing in corporate travel when there are plenty of regular travel agents in the market. Here is the importance of corporate travel agencies who have online systems which allow business travelers access to their complete itinerary.

The following information is at the fingertips of the CTAs:-

  • full business itinerary details
  • up-to-date tracking details of flights (including delays or rescheduling)
  • transparent details about additional costs such as baggage fees or in-flight fees
  • travel alerts, if any, in the destined area
  • complete and up-to-date details about the visa procurement policies and identification required
  • currency requirement and conversion rates

What do corporate clients expect from Corporate Travel Agencies?

Negotiated Fares

The Corporate Agencies tend to have tie-ups with hotels, car rentals, flights etc. giving them access to lower fares which can be used only by the frequent business travelers. Discounted prices are not the only advantage though as they also offer flight upgrades, room upgrades, and VIP check-in lines as required.

In-depth information about the travel industry

Corporate travel agents have access to many travel resources and most importantly, quickly, than any other leisure travel agent. Additional information helps to make the business trips convenient and comfortable.

Changes in Itinerary

When an airline ticket needs to get rescheduled or cancelled, chances are the airline or the online service provider will charge lofty fees. When booking with a corporate travel agent, most of the times schedule changes can be done at zero or minimal extra charges.

Viable emergency contacts

It is important for the business travelers to reach the correct person at the need of trouble. Corporate travel agents have the experience and professionalism to relieve stress for both the traveler and the company.

What you need to consider as corporate travel increases?

Business Travel Barometer reported that corporate travel is witnessing an accelerated growth. However, when poorly managed, it may be no longer an advantage to companies and may, in fact become a burden. There are some factors which the corporations and CTAs must consider to get the best out of the time spent traveling.

Adopting a travel policy

The corporate must define a travel policy which is applicable to and respected by travelers at all levels. This policy should be used to establish the standards which will help to track the improvement of business travel. It will eventually help to reduce the costs of the entire package.

Do not limit the traveler’s autonomy

The management is responsible for budgeting the travel policy which helps to improve cost management however, it is also essential to give a degree of autonomy to the traveler. The policy should be flexible enough to allow the employee to adapt the trip as per the situation.

Traveler’s security should be a major concern

Business travelers need to have security in place. The company needs to stick to its definition of standards to ensure the employee’s integrity. The CTAs should have reliable partners (travel insurance, airlines, hotel chains etc.).

Mobility and automation

To optimize time and ease the processes, the administration of management platforms should have automated processes. This means they should adopt mobile solutions where search options, travel alerts, ticket reservations etc. can be accessed quickly, easily and on the go.

Corporate Travel Trends in 2016

Corporate travel trends tend to change regularly. 2016 has also not been any different and the travel management companies (TMCs) and corporate travel agencies (CTAs) are quite focused to provide steady if not strong axis all over. A growing MICE sector, investments in mobile and big data and enhanced focus on duty of care are some of their areas of focus.

Rising prices

The consolidated buzzword among global suppliers, airfares, hotel rates etc. is the rising fares. It is sometimes the move of the suppliers to generate discounts which encourage travel if there is a strong decline in demand. A positive 2016 world economy has been bringing an increase in air fares of a few percentage points, hotels are expected to see 4%-6% rise in average global rates and the competition will remain moderate in the car rental services.

Duty of care

Risk management is one of the major points of emphasis for corporations. Corporate customers are allowing new policies and improved technologies to monitor employees’ location in case of an emergency, especially when they are traveling to foreign destinations. For instance, Concur Risk Messaging helps to identify the travelers moving around in the world and alerts them with alternate travel arrangement as and when needed.

Focusing on MICE

Meetings industry is a major growing sector and the corporate travel trend is developing on it. The corporate travel agencies should better start aligning the various meeting procurement methodologies with its transient travel sourcing. One of the ways could be to broaden the variety of meeting services by incorporating incentive trips within it.

Investing in technology

A sharper focus on increasing value and becoming more traveler centrist can be done by bringing in mobile friendly technologies. Mobile and big data are definitely the two most significant technological investments which any corporate travel agency must focus to make their platform more appealing.

Business travel analysis after Brexit

Following Brexit, ACTE and CAPA shared their speculations. According to them, the greatest short-term effects on the travel industry will come from the weakening of the pound against other world currencies. Greeley Koch, executive director for the Association of Corporate Travel Executives said that the business travel industry will trend on currency fluctuations; with some companies taking advantage of the weaker pound and traveling more, while others may withhold business travel until world markets find their own level.

Impact of terrorism on corporate travelers

Travel policy makers and administrators need to be guided by rising terrorism scare. For executives and staff undertaking travel on behalf of businesses, the travel agents and corporate travel agencies (CTAs) should prove the reassurance for their safety through the travel policies. It is more than likely that the surveys conducted over corporate travelers reflect the general concern of the global business travelers about the spate of terrorism. However, there is no denying the fact that terrorist threat is changing the patterns of business travel. The key impact of this is to keep in mind that the companies providing travel services for business travelers need to enhance their focus on security and the associated risks in delivering the services to corporate clients. According to a recent finding, travel managers have higher estimation of their policy’s effectiveness in addressing risk compared to skeptical business travelers.

Concluding

Although the corporate travel sector has continued to progress, there are a plethora of challenges faced by the industry. A rapidly changing consumer market, the emergence of new business models, the impact of technology, man-made and natural crises are some of the fulcrum points that need to be considered before planning corporate trips.

If properly maintained, the appealing luster and tone of gold can endure the test of time and last forever. Gold neither goes out of fashion nor style. With the years, jewelers are going after gold for their designs and jewelry. The buyers and designers too have a never ending hunger for gold jewelry. It is simple understanding that gold is the softest metal and can easily tarnish, but it kept properly, it lasts an eternity. Due to this property, there has been an increased demand for gold watches.

To enhance on the durability of your gold watch, other metals are mixed during watch making. The metals used include silver and copper. You can still get a pure gold watch but at a higher price. The buoyancy of a gold watch is determined using its karat value, which ranges from 10 karats to 24 karats. The pure gold watches are superior when compared to watch made from other metals. Pure gold diamond watches are much more valuable as they constitute diamond and gold, which creates an explosive look.

To prevent your gold watch from getting dented or scratched, you must exercise some essential and special precautions. You must remember not to keep your watch against any other gem or ornament. The friction between the two will most likely result in a nicks and scratches. These watches are susceptible to scratching as they are usually put on over the wrist. Diamonds will deal any watches a bad one if kept together, this is because diamonds are very hard and often have sharp edges as a result of cutting. You should therefore find it of essence to store your watch separately, preferably in a cushioned pouch. You also should avoid instances that may lead to scratches, if a situation proves to be rough enough, you can take out your watch and carry it in your pocket instead.

There is nothing as harmful to watches as chemicals. To ensure your watch lasts a lifetime, make sure you keep it as far as possible from any chemicals. Chlorine in particular can quickly eat away on the structure of gold. It is therefore important to take out your watch when going for swimming or to hot tubs. Remove your watch before going for shower to avoid the soap residue, which contains a large amount of chlorine, from contacting your gold watch.

With the rising commodity prices throughout the globe, everyone needs some kind of legal financing when they purchase something big like a home or a car. There are all kinds of financing options available in the UK. Only getting a loan that helps you meet your financial needs is not enough. You also need to save considerable amount of money on your loans so that you can repay them in simple affordable monthly payments. Getting a cheap and affordable loan in accordance with your financial affordability is not as simple as it may seem. Have a look at the ways in which you can easily secure loans at a cheap rate.

  • Make a comprehensive market research: Comparison shopping is the most important step that can help you save a lump sum amount of money. If you’re in the market for credit of any kind, stay sure that there will be hundreds of companies that are waiting for selling their financial products to you. Therefore, you need to take a step after considering the rates and charges offered by all lending companies. If you’re taking out a home loan or a debt consolidation loan, you need to make sure that you compare the services offered by various companies.
  • Check your credit rating: Today’s lending industry is entirely based on your credit score. As your credit report reflects your financial history, the lenders always check the score before lending you a new line of credit. A person with a good credits core will certainly secure a better rate than a person who has a poor credit score. Therefore, if you want to obtain loans at a cheap rate, make sure you repair your credit before applying for a loan. Order a free copy of your credit report and dispute all errors and negative listings so that you can boost your credit score.
  • Take the loan out for a short term: When taking a loan out it is important that you first calculate the monthly amount that you can afford to repay each month.  If you are armed with this information you are then able to reduce the term of the loan until the repayments meet what you can afford. Taking a loan out for a shorter term will make quite a big difference in the amount of interest that you are charged.
  • Look for bad credit lenders: If you have exhausted all the above mentioned options and have no other option left to secure a cheap loan for yourself, you can look for a bad credit lender. Bad credit lenders usually lend loans to people with bad credit and therefore they will give you a loan at a low rate. If you want to get a cheap loan, go and apply to a bad credit lender.

The entire process of getting cheap loans will become fuss-free if you follow the points mentioned above. Gain peace of mind while getting your loan so that you need not worry about the monthly loan obligations and lead a life free of financial burden.

If you are an occasional traveler you’ll probably buy your insurance from the travel agent. But if you travel more than twice a year, it is much more cost effective to have one insurance lasting all year round, than buying one every time you travel.

Think ahead, plan ahead. Annual travel insurance easily pays for itself with just a couple of trips. But not all insurances are worth the same and as always cheapest is not necessarily the best. More on this later.

Annual travel insurance is not compulsory but it gives you the peace of mind case of illness and loss or damage to property and many other events. Where is the best place to buy annual travel insurance?

1. Your bank is probably the first place you’ll try. Banks have in recent times become highly competitive and in order to retain your business, may offer better rates. For example my bank has upgraded my checking account to a premium account and for that I pay $20 per month.

As a result I get several privileges including free, worldwide, comprehensive travel insurance. But here is the best part … I get all this free travel insurance not just for myself but also for any member of my family traveling with me including my parents and siblings.

I said free because I am already getting other benefits which are worth a lot more than $20 per month if I were to buy them individually. I also save a lot of time as I never have to look around for insurance. So don’t ignore your bank.

2. Credit card companies also offer similar insurances, with some added advantages. In case of theft or loss of your credit card, they will supply you with an emergency one, often within a few hours.

In addition to travel insurance offers, there is another advantage in checking your credit card company’s terms. If you book your travel using your credit card, pretty much all card companies give excellent cover against many of the things that can go wrong.

Some credit card companies also have specialist travel departments which not only give you travel discounts but also give you even better protection, i.e. better travel insurance and at a much lower cost. But note that all insurance offers exclude you making a claims, for the same item, to multiple sources even if you do have multiple insurance cover.

For example, let’s say you have bought travel insurance separately and you have bought your travel ticket using your credit card. If your luggage is lost, you can almost certainly make a claim to either of the two sources but not to both at the same time.

The reason is that the insurance companies have suffered massive fraud in recent years. Allowing multiple claims simply encourages fraudsters to have multiple insurances and make multiple false claims.

For example, they can take an already damaged suitcase on a long journey knowing that it will fall apart. They can then claim damage and loss of property from multiple insurers.

3. Insurance companies are a popular and obvious source for annual travel insurance. If you drive a car or have home insurance get a quote from your insurance company. Remember, because you are already a customer, your car insurance often entitles you to a very good discount.

Here’s a tip: if they don’t give you a competitive insurance, tell them that you will be looking else where for a good package. Let them know you will be looking for a package that includes great home insurance, excellent travel insurance and also good car insurance.

Listen, fear of loss WILL make them bend over backwards for you and if they don’t? Here’s another tip: When you talk to any other source to get your competitive travel insurance, make sure you mention your other assets that you could be insuring with them, such as your car, home, home contents, etc.

This won’t work with travel companies but works absolutely beautifully with most insurance companies. I have done it many times and saved myself thousands of dollars, yes thousands, over the last few years.

The insurance industry is massively competitive. For once, this works in favor of the “little guy” (you and me), so let’s use it.

4. Certain types of home insurance may also give annual travel cover. Do look into pretty much any insurance cover you have. Some home insurance policies include some forms of travel cover including loss or damage to your property while away from home.

Tip: even if you live with your parents, ask them to check their policy for you. You will be amazed to see that even “your” property is covered while away from home.

Just one word of caution: do not assume what is covered or the level cover. If you are not sure just ask the insurer. If the cover they describe seems even better than what you expected based on the policy document, then do ask them to put their clarification in writing.

Why? When any major loss occurs, the insurer will send a local expert to assess the damage. These guys are called loss adjuster. Their job is to save money for the insurance company. And I tell you from bitter personal experience, they take no prisoners.

They will screw you down to the ground, if you don’t get things in clear black and white writing. Just do it. It takes minutes to request clarification in writing but can save you thousands of dollars when you have one of these mean loss adjusters arguing with you over the policy.

5. You can also buy last minute travel insurance from travel agents and airlines at the airport. Expect to be taken advantage of, heavily! Needless to say, this is one of your most expensive options. Just avoid ending up with this option, see to your insurance long before you need to travel.

Now here’s the thing. Travel insurance policies are not all identical. As well as considering price, you absolutely must read the terms and conditions carefully. For example, the upper age limit of some insurance companies may vary.

Some companies may limit the number of annual trips, whilst others may have no limit at all. Look, most travel insurance policies cover a range of events and claims. But as they say, the devil is in the detail.

The problem you will definitely face with some really cheap policies from unknown and possibly disreputable companies is what they put in the fine print. You know what I’m talking about? … all those tiny little statements they put on the back of the form? Or if you are buying insurance online (and you should), notice all those pages of really small text they ask you to agree to?

Well, that’s where they bury lots of little conditions and limitations. Most people don’t read all the terms. Do yourself a huge favor and on this occasion, do read it all. If the insurance policy terms are full of “weasel words” or complex language, just move on and do not buy.

All insurance companies are quick to point out how many millions you can claim in “total”, in case of a serious accident. But they all limit the amount per item within your claim. So claims for loss of cash will be capped and so will claims for electronic devices, clothes, etc.

This means that with the cheaper policies you will have a really low limit. For example, if you claim for a mobile phone and an MP3 player, you may find that the limit on personal electronics is not enough to even pay for “one” of those devices, let alone both. Don’t wait for an unfortunate event to show you the flaws in a dirt cheap policy. That is the worst time to find out and it is a time when you need the most help.

What must all policies cover?

1. Loss or damage to property and cash

2. Flight delays or cancellation

3. Accidents

4. Sickness

5. Your expenses when an event occurs

6. Your potential liability to other people

7. Legal services

In comparison to your total costs, annual travel insurance is only a very small item. If you are covered for any eventuality, you’ll have less to worry about, which will translate to more relaxation and enjoyment.