viernes, 31 de mayo de 2013

Top Tips on How to Become a Judge in Minnesota


Lots of people take up legal careers because it interests them more than any other career. If you want to take up law as your career then you must make sure that you are ready for different kinds of challenges and also for hard work. In the beginning people become lawyers and then they try for the bigger post to become the judge.

Proper education in law is very much necessary if you want to be successful in this field. There are various places from which you can choose and become the judge of that place.

Are you interested in becoming a judge in Minnesota? You must always remember that it is not at all easy to become a judge. You need to study a lot and you also need to work very hard. There are some simple steps which can help you become the judge.

The first thing you need to do is perform a research regarding the education as well as the duties of these professionals. You must always remember that these people are there to safeguard the law and provide justice to people.

There are different kinds of hearing which the head of the court needs to go through. He must also provide a verdict after hearing the cases and he must be competent enough to resolve the disagreement between the two parties.

Once you learn about all these things you will know the kind of work the professional has to perform. If you are interested in this career then you will also have to perform these duties. The next step is education.

You need to get the bachelors degree from the law college if you are interested in becoming a judge in Minnesota. You can have the bachelor’s degree in political science, economics or criminal justice.

You must also have proper communication skill. After this the next step is becoming a lawyer. If you work as a lawyer for a number of years and gain a lot of experience it will help you to become a judge. You need to pass the LSAT exam to become the lawyer.

After this it is important to get appointed to the court. If you are interested in Minnesota court then you must make sure that you get appointed in the Minnesota court. This will increase your chances of getting an appointment as a judge in the Minnesota court.

Finally you must complete the judge’s training. When you serve on the bench you must take continuous training so that you can improve yourself as a judge. If you can follow these simple steps you will surely become a judge in Minnesota. The training is an essential part of this profession.

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jueves, 30 de mayo de 2013

How to Find a Good Pediatrician in Your Area

Congratulations, you’re pregnant. As the count-down to the birth of your new child approaches, you should consider finding a pediatrician who will work the best with your soon to be expanding family. Having a pediatrician on-hand though the formative weeks and years of your child’s life is in the best interests of both you and your child. Waiting until your child gets sick or needs a check-up is absolutely not the time to be going through the selection process, which can be stressful even when everything is going according to plan.

Beginning Your Search

There are several sources you can tap into to locate qualified pediatricians in your community.

- A good place to start is the “American Board of Pediatrics (ABP)”. A pediatrician who is certified by them will have will have graduated from four years of medical school, received three years of resident training, and passed their written examination. They provide pediatrician search service on-line.

- Another source is the “American Academy of Pediatrics (AAP)”. They also provide a referral database of participating members.

- Certain health plans require you to choose a pediatrician from their approved network.

- You can also ask is your obstetrician. Obstetricians and pediatricians often interact to oversee the care of both mother and baby.

- Ask other moms in your neighborhood including friends, family or co-workers. They may be able to relate their personal experiences about specific individuals.

Vetting the Field

You’ll want to find a doctor who fits with your goals and expectations. It’s usually best to first meet the candidates to assess their qualifications, personality, approach and experience before arriving at a decision. The kinds of questions you might consider asking your prospective pediatrician and other considerations include:

- What type of pediatric qualifications do they have? Are they certified by the ABP and/or a member of the AAP?

- If you are aware of certain health concerns in your family or with your pregnancy, you may want to ask about qualifications in pediatric subspecialty areas?

- How can they be contacted after hours or during an emergency? Are they available by phone? Who covers for them when they are not available?

- If you have minor questions what is the best time and method to reach them?

- Does the pediatrician talk with and care about the children, and not just the parents?

- Does the pediatrician seem to know about current issues and advances in pediatric medicine?

- Does the pediatrician have “chemistry” with the children as well as the parents?

- Does the pediatrician appear knowledgeable about current issues and advances in pediatric medicine?

In addition, you’ll probably want to know about availability and cost of services. Areas of investigation include:

- Office and Location – What are the office hours? What hospital is he/she affiliated with? Is the location conveniently close to your residence or work place?

- Costs and insurance coverage – What are the costs of services? Do they work with your insurance plan? What services are covered and which ones are not? What are the co-pays and other billing practices?

- What are the routine child-care check-ups? The AAP recommends checkups at one, two, four, six, nine, twelve, fifteen, and twenty-four months.

Finding the right pediatrician for your family can be a daunting challenge. However, there are several good sources that can help you in your quest. In most cases you’ll have a choice about your child’s doctor so try to find a doctor who is just right for you. Evaluate you’ll health care provider based on the criteria that are most important to you and your family.

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Help For Grubby Carpets


Carpet cleaning can be something of a nemesis. If you're renting, you can bet your bottom dollar that you're going to have to clean that carpet - possibly by hiring a professional cleaner or by getting in one of those steam cleaning machines - when you do the final tidy up before moving house. And if you're not renting, well, you probably want to keep your carpets in good nick because the house is YOURS and you can't blame anyone else for grotty threadbare carpets. Anyway, carpets can be a pain to clean, no matter where you live, mostly because they continually have feet marching all over them and those soft, fluffy fibres trap dirt.

You could, of course, do without a carpet and leave some areas in your house with polished wooden boards warmed up by the occasional mat. However, you will find that this allows more dust to fly around the place and you will need to wield the duster that little bit more often.

Tips for cleaning carpets and keeping them clean:

* Provide decent doormats that actually scrape bits of stray mud off at both your front and back doors and stop a lot of the dirt getting inside in the first place. * Encourage children (and other family members) to have "outdoor shoes" that never come inside. Have a place for folk to change into and out of these shoes near the door, and allow for plenty of space to store Wellington boots, rugby boots, gardening clogs, etc. * Take a tip from Asian culture and remove all shoes at the door. This is becoming more and more common. Going barefoot on carpet is a sensual delight, and if it's chilly, wear thick socks or a good pair of slippers to keep your toes from freezing.

* Vacuum frequently - weekly is the bare minimum.

* Treat all spills, stains and smears as soon as possible after they occur to stop the dirt "setting" into the fibres of your carpet. In many cases, you don't need a fancy carpet cleaning products - flooding the spot with fresh water (but make sure that the stain doesn't spread everywhere, which it will if you use too much) followed by blotting with a thick towel.

* Really nasty patches of dirt can be cleaned using natural cleaning methods. The very best is... warm soapy water. Don't use hot water - you may have a bit of protein-based material in the ick that you're trying to clean, and hot water will set this stain in. Use a medium-stiff scrubbing brush (harder than a toothbrush but softer than what you'd use for scrubbing a tile floor - if you have a brush you use for scrubbing clothes, use that). Make the soapy water foam - this lifts the dirt up and away.

* While soapy water is good for cleaning carpets, don't use too much and get the carpet absolutely flooded. Too much water will take ages to dry, and while the water's down there, it will attract more dirt and make a happy home for mildew. The best way to apply the warm soapy water (or any other carpet-cleaning product, home made or otherwise) is to dab a scrubbing brush into a bowl or bucket of the liquid, then letting the excess drip off before scrubbing the surface of the patch to be cleaned.

* It's best to hire a cleaning machine from a professional company for cleaning large areas of carpet. These days, you'd be mad if you tried cleaning a whole room of wall-to-wall carpet by hand with a scrubbing brush. Honestly, you have better ways of spending your time!

* Some experts recommend using a broom to sweep over the area of carpet to be cleaned to lift the pile of the carpet and allow the trapped dirt out. You can get a similar effect by using your scrubbing brush dry on the spot before applying the warm soapy water. But use the broom for a once-over if you are cleaning the whole carpet with a steam cleaning machine.

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miércoles, 29 de mayo de 2013

Wrongful Death Cases Are Civil Lawsuits


Thanks to the wonders of TV, many Americans are addicted to crime shows and think that a wrongful death suit is a criminal case. In reality, a wrongful death suit is a civil case.

A wrongful death by definition is a death that happens due to the negligence, recklessness or inaction of an organization or a person. The leading cause of wrongful death is medical malpractice, with accidents on the job, car crashes and defective products vying for second place.

No matter what caused the death, a family is grieving the loss of a loved one and wondering how to carry on with their lives and handle the sudden cessation of that person's wages, etc. In the U.S., immediate family members are allowed to file a wrongful death lawsuit. In most instances, that means parents, spouses, children, or a child's guardian acting on the child's behalf.

These types of lawsuits are seeking compensation from the courts for medical and funeral expenses, emotional distress of the loss of the loved one, lost income or inheritance, and loss of companionship (among other things). Depending on what state you are filing in, you will find the laws to be different. This is the reason you will need a wrongful death attorney to apprise you of your rights and how to file in your state.

Each state also has a statute of limitations that often varies as to when the time expires for filing a wrongful death lawsuit. Your attorney will tell you when you need to file your suit. Generally speaking, it is within one to three years from the time of the loved one's death.

However, just because there is some time running to file a suit, don't wait. A wrongful death lawyer must act quickly to get the evidence to prove that the defendant's actions (or inaction) were the cause of death. It is also up to the attorney to show that family members are suffering and ask for adequate compensation on their behalf.


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Assisted Living Services - How Will Assisted Living Assist Your Parent!


It is not easy however the time would come when they have to make a decision if your parent desires to have help with their everyday activities. If your parents do not need full help, you would not want to keep them in a nursing home. By an assisted living service your parents would be capable to live a little more separately but would get assistance with such things like bathing, eating, laundry, medication and dressing.

These assisted living services also have medicinal care centers in same building. Though it might just be for the minor problems and a standard physician or hospital might need to be visited for bigger problems. While you keep your parent in the assisted living service, a plan would be made which would detail the particular things which your parent might need aid with. This would also make sure that your parent would get the proper care that they require. Other names might be utilized for assisted living services, such as supported care, residential care, board and care, sheltered housing, adult foster care as well as adult homes.

Never think of an assisted living as the nursing home as it isn’t. In the nursing home your parent would have a lot less liberty. Lots of people believe that assisted living is same as the nursing home. Though, nursing homes are utilized for the people who cannot care for themselves or are very sick or weak to be in assisted living service. Where assisted living is utilized for a human being who is relatively capable of taking proper care of themselves however might have troubles in some areas to take care of themselves.

The majority of the time a service might have not just assisted living however also independent living as well as nursing home services all in one, this way an individual could move to different areas if they become worse as well as need to get more care. Or a human being from an independent living might be moved to the assisted living when they are not capable to do all the things any longer. While these facilities are collective, an individual can take the benefit of the services like meals that might be made in a cafeteria.

If you keep your parents in a service, you will discover that you have an alternative of three kinds of contracts. They are wide, charge for service, and customized. The 3 choices all comprise shelter, emergency care, services and amenities. The distinction in the contracts would be the fees for each month. While if you select the general contract it would comprise continuing care, and no boost would be seen in your monthly fees. Whereas a modified contract would cover just particular things, while payment for service is like it sounds you would be charged for different services employed on your parent or parents. Several parents might be a little quarrelsome when it is about to keep them in a assisted living facility however all you require is being persistent and considerate as well as do what is right and appropriate for them.

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martes, 28 de mayo de 2013

A Few Words About Eulogy Poems

A eulogy poem is a special form of prose written to offer comfort to the bereaved. Since death is a certain fact that in most cases would cause grief and bereavement to the deceased's family, the existence and creation of eulogies is also certain. Because of this fact, eulogy poem writing has found its niche as a specialty subject available in the World Wide Web through various bereavement focused sites.

Writing eulogy poems usually do not follow a certain rigid format but a few sensible tips would be of great help. Since a death is always associated with a painful loss, poems should be in an uplifting and inspirational tone. As much as the poem is written as a tribute to the deceased, it should also be considered as a reassurance to the living.

A poem attributed to Mary E. Frye entitled "Do Not Stand at My Grave and Weep", presents a poignant plea of reassurance from the departed for the living not to weep for the dead did not die but has become part of the world as fragments of light, wind and rain. This type of short poem exemplifies the theme of reassurance to the living that death is not the cessation of life but a continuation.

"An Irish Funeral Prayer," derived from a sermon delivered in 1910 by Henry Scott Holland during the funeral of King Edward VII at Westminster, has been used for years in Irish and Christian Funeral services. In the same tone as the poem by Frye, this poem also speaks of reassurance when part of it says "I am but waiting for you, for an interval, somewhere very near, just around the corner". A way of saying that there lies a promise of a reunion of the dead and the living in another place and another time.

Free resources and free sample eulogy poems abound on the World Wide Web which can be used as inspiration or as templates for your very own. A poem because it comes from the heart, is a fitting tribute to the dead and the living to be remembered in time. Eulogy poems have a global message that crosses cultural boundaries. A poem you write for someone you know of might just bring the same reassuring message to other families who suffer through death. If you are gifted with the blessing and talent of writing poetry for the dead, share it.

Find more funeral poems and download Heartfelt Eulogies - Words That Last a Lifetime and Beyond at http://www.HeartfeltEulogies.com.


Adolescent Anger Management Strategies

Adolescent anger management is becoming more prominent in our society. Traditionally, children who enter this last acute phase of bodily and mental development can go through some rough times. As kids enter their preteen and then their teenage years, chaos can ensue at times for everyone involved. A child or young adult may feel that his or her body and mind are out of control occasionally, and the parents and teachers who supervise children at this age may tend to agree. Anger can spring out of nowhere to challenge innocent requests and reasonable expectations. Yet kids between the age of twelve and sixteen sometimes react in unpredictable ways, surprising those around them and even themselves and requiring the intervention of adolescent anger management strategies.

Today's teens face even greater pressures than those of the past. By age eighteen, most have witnessed thousands of murders on television and video games. Some are involved in violent or illegal gang activity. Others come from broken homes where domestic violence and substance abuse are the norm. By the time they start going through puberty, their entire existence may seem out of their control, and they may grow increasingly enraged, acting out their anger in antisocial ways that require adolescent anger management.

Adolescent Anger Management and Juvenile Delinquents

Sadly, many teens experience frustrations that drive them to vent anger toward people or things, breaking civil laws. This type of behavior often leads to incarceration, or at the very least, intervention by parents, teachers, law enforcement officials, and juvenile experts who attempt to train children how to respond in age-appropriate ways. Adolescent anger management programs teach kids individually or in peer groups how to identify negative feelings, work through them in the right kind of ways, seek help when needed, and practice more mature behaviors.

During periods of time spent at juvenile detention centers, teens involved in adolescent anger management programs can learn how to improve their behavior in socially acceptable ways. Therapists can help to point out alternative attitudes and behaviors to teens who have never seen positive responses to everyday irritations modeled for them by responsible adults. They may be able to learn directly from the therapist how to manage difficult feelings, and they can read resource materials or visit websites like anger-management-information.com (site is not complete yet) for more information about this condition, and how to address it. They will find others like themselves who are learning how to get along with people and accept the situations that cannot be changed.

Community Adolescent Anger Management Programs

If you have or work with a teenager that is struggling with angry outbursts and a poor attitude, get in touch with a teacher or psychologist at your child's school or a community social services organization that can direct you to self-help resources or a local adolescent anger management group that might be willing to admit your child. Letting unresolved anger fester or continue to be displayed in dangerous ways can lead to serious consequences. Get your teen the help that is needed for coping with this behavioral disorder.

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lunes, 27 de mayo de 2013

Online Fax And The Small Business Start-Up


Online fax does play a significant role in the start-up of many small businesses and companies, mainly because it is a cheap alternative to the traditional fax machine. Since everything is done through the web and with your computer, there is no need to have an extra phone fax line, no need for messy inks and toners or even paper for that matter; and of course, no need to purchase a fax machine.

However, there are many more reasons why many business start-ups are using Internet or online fax. Chief among then are the following:

1. Setting Up a business fax number is almost immediate and in most cases the set-up is free.

2. Monthly fax services on average are only around $10 a month, less if you shop around and find a good deal.

3. Online fax is completely scalable for your business or company, if you need extra fax numbers, you can get them immediately.

4. Online fax is completely mobile and available 24/7 anywhere you have Internet access, which makes your business more competitive.

5. Web or email faxing also ties your company into today's business environment, it's the modern way to fax!

Perhaps, another main reason many individuals and companies are turning to web or email faxing is because the whole actual "set-up" can be easily done. You choose an Internet fax service provider where you're given a local or Toll-Free number which you send out to all your contacts. You are also given an online interface or site where you can check and send your faxes. Keep in mind, online faxing uses your computer and your email system to do all your faxing - your faxes are sent as email attachments, usually in TIFF or PDF formats. Getting your faxes is as easy as reading your email. Should you need a hard-copy of a certain fax, you can just print it out.

In addition, what seems so popular with many small business start-ups is the whole PBX system, where faxing is just one component. With these fully loaded systems all your faxing, phone calls, voice mail, receptionist calls... is farmed out to a virtual service which handles all your messages, faxes and phone calls. For the small business start-up, using such a virtual PBX (Private Branch Exchange) can be a real time and money saver since costs are significantly cheaper than going the traditional route.

This is a popular form of "cloud computing" which you hear so much about in business circles these days, but it is also one of the least expensive ways of setting up a new business, especially if funds and/or space is a problem. For the home business it can be a very beneficial and effective business model to follow and use. Actually, online fax may just be the ideal business service whose time has come. So are you or your company using it?


Copyright (c) 2009 Titus Hoskins


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domingo, 26 de mayo de 2013

New Jersey Wedding Photographer Business


According to a recent study, the average cost for a wedding photographer in Ocean County, Atlantic County, Burlington County, Gloucester County, Mercer County, Middlesex County, Monmouth County, and Salem County, Nj is anywhere between $1,710 - $2,975. With this over $1,000 cost difference it is no wonder why grooms and brides are so confused when meeting with photographers. Each client is searching for a package that has a great deal of "stuff" and a "good" price. The following is quick advice when brides and grooms are seeking out their perfect http://www.sitesays.com/?url=http://enchantedcelebrations.com/wordpress/&posted=1&tags=0:

1. Unlimited Locations and Hours: It is very common for NJ weddings shoots to last over 10 hours and take place in 3 or more different locations. Don't sell yourself shorter by opting for a less expensive package that doesn't include the bride's prep or that has the photographer leave immediately after the cutting of the cake. A great deal of photographer companies charge by the hour and locations, don't pay for that; it's advised to find a http://www.propeller.com/story/2010/03/26/nj-wedding-dj/ company that has 1 prices with everything included.

2. Customer Service Oriented Business: The wedding is only one day; you need to make sure that whomever you select will be there before and right after to answer your phone calls and emails. Also, client service oriented businesses will edit your albums having a higher degree of care and keep you informed every procedure.

3. Bundled Packages: Wedding photographers that charge a la carte for every thing else and have a base shooting fee after the wedding like the image copyrights, prints and albums almost always run over budget very quickly. Look for a photographer who facilitates everything you will need in one easy package and price. If you wish to add more after the wedding, you at all times can.

The above are just a few easy tips that will help when your going to find the perfect wedding photographer for you. Remember, shopping for a wedding photographer in NJ should be fun and exciting; not nerve-racking. Should you see a photographer that has great work but from the beginning is not offering client service or all-inclusive packages, be really careful. Its advised to find the photographer that will answer each email, call, test message, and has really easy to comprehend bundled package products.

Enchanted Celebrations is the right choice to make. With our passion for photography, we take joy in capturing the excitement and joy, recording the beautiful details and preserving those treasured moments of your very special day. Our main goal is to deliver photographs of distinction that you simply and your loved ones will treasure for a life span.

Designing your http://enchantedcelebrations.com/ will be stressful to say the least. Whether or not you're selecting your wedding entertainment or attempting to shift through the tons if not thousands of wedding photographers who claim to be specialists. With Enchanted Celebrations we have a tendency to get that burden off of your shoulders with our staff of specialists. Enchanted Celebrations has been featured on News twelve New Jersey in addition to has appeared in varied news publications; every one of which target our unrelenting service and our passion to deliver high-finish results at competitive costs. We tend to start our dedication to customer service by means of a free of charge no obligation on home consultation together with your wedding designing committee and also the owner of our company. At that consultation, you'll be in a position to read wedding video, albums, and expertise the professionalism of our style.

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sábado, 25 de mayo de 2013

Medical Malpractice New York : Note the Emergence of Medical Malpractice New York


The medical malpractice New York is now witnessing decrease in spite of recent economic condition. With the recent freezing of the insurance of the medical malpractice, the programs, medical professionals and the institutions understand true effects of the medical malpractice having on inhabitants. In the past, these instances of medical malpractice New York were hidden many a times. This resulted in the condition of the injured patients to get even worse. The patient’s condition will surely get worse if they did not get the correct accolades and the attention.

But, recently medical professionals are witnessing the right effects of medical malpractice. The doctors and the physicians are working with more precautions and care in their diagnoses, prescriptions, surgeries and the assumptions. The only reason for this is that this medical malpractice New York is quite expensive. This will surely prove very expensive to the person who suffers from the negligence caused by the medic/al professionals, to the medical institutions and also the insurance companies. Most importantly, the doctors or the physician who commits such types of the negligence, the basic cost for these people is negative effect on their reputation.

The reputations of these medical professionals are their calling cards. With this, these professionals basically attract various people and this makes their businesses going. Without reliability and the honest reputation, the doctors and the physicians do not have any strong basis of work. As medical professionals realize the fact, there is enormous decrease in medical malpractice New York. The problem of the medical malpractice is proving as epidemic which sweeps the country from quite some time. Hopefully, now the problem of the medical malpractice will be submerged as medical professionals, insurance companies, general public and the government is gaining more and more awareness.

The insurance rates are also increasing as the insurance companies cover huge settlements from the medical malpractice cases. The only sufferers of this medical malpractice are not only the people who are affected physically, but also people who will be paying huge insurance premiums. With the increasing awareness of the medical malpractice, a person should not think of dropping such courageous efforts. Now days, the doctors recognize the correct effects of committing acts of the negligence on patients. It is certainly in hands of these medical professionals for the dismantling of serious problems. This is because only they are being responsible for such types of the dangerous acts.

If you or any of your relatives have been affected by any type of the medical malpractice New York by the medical professional, then it is advised for you to contact the medical malpractice lawyer as soon as possible. The lawyer will definitely help you in making the claim for your case and help you in getting the compensation which you deserve. The settlement with the help of the lawyer will include the tax covering your suffering, pain, medical expenses and the loss in the wage. One should choose the lawyer very carefully. The background, experience and the skills should be taken into consideration before hiring the services of any lawyer.

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What Is Senior Home Care?


Senior Home Care is a growing industry in the United States. As the baby boomer generation ages the need for in-home care for senior citizens is on the rise. Senior Home Care is non-medical care provided by a home care professional. Typically the case involves assistance with everyday activities including housekeeping, eating, bathing, dressing and medication reminders. Senior Home Care workers are trained to perform their duties; however they are not trained in providing any type of doctor-prescribed medical care.

When choosing an agency to assist you in your Senior Home Care needs it is important to thoroughly check references and the history of the agency. In addition you will want to confirm that they comply with all State and Federal requirements for providing home care and, if necessary, the agency should also fulfill Medicaid requirements. A reputable agency will be more than happy to provide you with all this information, including a list of current and previous clients.

Besides securing the above information from your agency, you should also check into their policies requiring the individuals they employ as caregivers. Most companies will subject potential hires to a thorough background examination including a check on their criminal history. Remember that this person is going to be working closely with a loved member of your family and will not always be under the watch of other family members. As part of the hiring process you should be entitled to a one-to-one interview with your assigned caregiver prior to introducing them to their intended care recipient.

The individual entrusted to be your Senior Home Care provider will become an intimate part of your family member's life. A necessary sense of trust and security will be expected in order for the relationship to work. Prior to their first day of service you will want to spend a day shadowing the caregiver and helping them become familiar with the daily routines of the senior citizen they will be working with. Many seniors may be a bit apprehensive at first to the situation and it is important that the service provider remain as unobtrusive as possible. By allowing the senior to perform any functions to the best of their abilities, without interference, the caregiver will be looked at more as a companion and friend and less as a babysitter.

Now that the hiring process is complete, a schedule for care needs to be established. Most Senior Home Caregivers provide about three hours of assistance a day, depending on the individual situation. There are circumstances when a caregiver is hired for an overnight stay or twenty-four hour care, but this is not normally the case. As with any employee, a caregiver will occasionally need time off for personal situations, vacations or even illness. A back-up plan should always be in place for the time when this situation arises. A family member, neighbor, or close friend may need to step in and fill the role of caregiver for the day. The end result of hiring a caregiver to provide Senior Home Care should be meeting the needs of the senior citizen. In the end they are the person who will have the most interaction and spend the greatest amount of time with their caregiver. It is important that a healthy, happy relationship is established for the situation to be beneficial to all.

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viernes, 24 de mayo de 2013

This New Talk Fusion Way Of Communicating Has A Lot Of Lethargic Business Owners PETRIFIED!


Today I'm not going to talk English. I'm going to talk fusion and I am going to make more money than you are!

Arrogant people are a disaster, aren't they? (I'm not one, but I some times pretend to be.)

Here are the facts of the matter... and as an online person you NEED them...because you are about to achieve an 800% INCREASE in returns on your emails if you put this info into play.

You will then build upon that number if you continually send those video emails to the people who tell you that they want more if you LOAD THEM, and I mean do a great job loading them with great content about your company.

You will then increase those results after you prove to those people what makes your business so special and do much better than ANY SINGLE ONE OF YOUR COMPETITORS.

Guys, fellow countrymen, ladies, this is NOT DIFFICULT.

It's just not.

It's actually far more of a science than advertising and marketing have ever been! We're constantly moving towards a smarter way to sell everything...and what you are about to encounter is, BY FAR, the smartest thing that sever seasoned Madison Avenue vets have ever encountered.

If you are a bike shop owner or a music teacher or a funeral home, and you want more business, you need to put yourself into YOUR affordable video emails.

If you are a caterer and you specialize in Chinese entrees, then you need to be in your video emails talking to the people who are choosing who to hire.

No one is more passionate about your business than you!

End of story.

So why go through and continue to rely on traditional advertising that is going to fail you in that very department???

(And this is a question being asked by a Madison Ave guy...can you imagine???)

You are your own best salesperson and you will always be your own best salesperson.

And until you harness the power of affordable video emails and get your message out there PERFECTLY, then you are leaving great amounts of moolah on the table every day.


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jueves, 23 de mayo de 2013

Last Will and Testament � Your Responsibility for the Future



When will you pass away? Whether fortunately or unfortunately, none of us really knows for sure and this is the argument for creating a last Will and testament to handle your affairs after death. We all know this, of course, yet as life rolls along so many of us put off creating a Will, often until it’s too late. Is it a question of confronting your mortality, procrastination, or lack of resources? You’ll see in this article that none of these excuses is as strong as the argument in favour of creating a Will.

What is a Last Will and Testament?

So many of us picture a Will as an instrument for a lonely and eccentric old gentleman to divide his fortune among squabbling relatives, often with a twist designed to prove which of them is the most worthy. This is the stuff of movies – a real last Will and testament is a tool for anyone to decide how his or her finances and assets will be distributed to loved ones, and also, in some jurisdictions, how dependent children will be raised and cared for.

When you make a Will, whether it applies to Thailand or another country, you essentially create the rules for your own money and dependents after your passing. If you die without a Will, then the State will dictate how your assets are divided and who will be responsible for your children and their future. This is an impersonal and generally undesirable situation that most of us would be more than happy to avoid. The way to avoid it is to make a detailed declaration of your intentions that will be legally binding after your death, so long as your requests do not break the law or infringe on the right of others (sorry, no knife battle between your two scheming cousins to see who will get your house!).

What Should be Included in a Last Will and Testament?

A Will is a legal document allowing you to dictate who will benefit from your assets upon your death and who will take responsibility for your dependents. When you write a Will, you are able to be quite specific about who will receive which part of your estate. As a testator, you can indicate any contributions to charity you’d like to make, personal gifts (such as a house or a watch) to any friends or relatives, and establish guardianship and trusts for your children. Without a legal will and testament, you will have no say regarding all of these actions. It must be pointed out that in Thailand, you can not decide in a Will who will be the guardian of your children. That is decided only by the Law or a Thai Court. Also, you cannot create a trust in a Thai Will but that doesn’t mean you cannot create a trust in a Will in a foreign country.

In your Will, you should name an executor, beneficiaries, and a guardian for any dependent children you may have. In Thailand, the executor is called the “administrator of estate”.

Administrator of Estate (Executor)

The administrator of the estate is the person or institution (such as a law firm or a company) that will execute your wishes according to your Will. It’s normal to select your spouse, an adult child, a friend, a relative or your lawyer as executor to your last will and testament. In Thailand, most people will appoint their main heir as administrator of estate if this person is an adult, however you are able to choose someone else if you wish.

An executor:

- collects and manages your assets after death

- distributes your assets according to what you’ve outlined in your will

- ays your outstanding debts and taxes from your estate

- notifies relevant government agencies (social security, taxes, etc.) and businesses (credit cards,

subscriptions, memberships, etc.) of your death

In Thailand, the powers of the administrator of estate are clearly defined by the Law. In other countries, it is common to state them in a Will to express exactly what the executor can or cannot do.

Beneficiaries (also called “heirs” or “legatees”)

Beneficiaries are the people and organizations to whom you as the testator bequeath your assets. You are able to be general (“I leave the whole of my estate to my husband”) or highly specific (“I leave a sum of 5000 USD to the World Wildlife Fund”) in your description of how your assets are to be divided. You can also request that certain assets be managed, as in a fund for your children to access upon reaching adulthood. Beneficiaries can be friends, relatives, organizations, and even total strangers provided they can be clearly identified and contacted.

Without naming beneficiaries in your last Will and testament, you don’t have any say over who will receive your assets. In such a case, the law would dictate who your legal beneficiary would be. Leaving an unclear Will or no Will can create grounds for fighting among your family members, and that’s certainly not a position that most people want to leave their family in.

Guardian for Your Dependent Children

If you die while you have dependent children (usually this means they are under the age of 18 but majority is 20 y-o in Thailand), you can select a person you trust to fill the role of guardian. If you have a spouse who survives you and who is also a guardian, then that spouse would automatically become sole guardian of your children. We must specify that you cannot appoint a guardian for your children in a Last Will in Thailand, but you can select a controller of property. The controller of property will manage the assets of your heirs if they are children until they reach majority. If you don’t appoint a controller of property and do leave some assets to children, their legal guardian (often a parent) will manage this property for them while they are minors.

However, it’s still best to include a guardian in your Will in any event, most especially if you are a single parent or sole legal guardian. Naming a guardian in your Will can ensure that people you know and trust will take care of your children in case of your untimely death.

Choosing a guardian is a task that deserves special consideration. People tend to name relatives, like the children’s grandparents, however it should be kept in mind that the children may need guardianship for longer than their grandparents may live. When considering a guardian, ask yourself:

- Is the person at an age and physical ability to care for your children?

- Will that person wish to take the role and become a parent to your children?

- Can the person provide your child with a safe, happy, and healthy environment?

- Does the person have the time and financial means to care for your children if you’re not able to leave

sufficient assets for this purpose?

It’s essential that you discuss guardianship with the person that you choose so that he or she knows exactly what would be required and would take on the role.

A last Will and testament is a powerful document which allows you to specify what will happen with your assets, your dependent children, gifts you wish to bestow on others, and management of your debts. In some cases it is wise to include descriptions of your assets and how to access them, as well as alternate beneficiaries and guardians in case your first choices pass away before they are able to fill these roles.

How do you Prepare a Last Will and Testament?

Drafting a Will can be quite simple or quite complicated, depending on the numbers of assets that you own and how these are going to be distributed to different beneficiaries. If your assets are in different countries, it could be a good idea to make a Will in each separate country. Just be careful that all these Wills are valid and that a Will one country does not void a Will in another country.

If you have only a few easy requests to bequeath your estate and name a guardian for your children, then you could easily draft your own Will following the specific guidelines of your state or country. However, if you are dealing with numerous beneficiaries, management of assets, and even setting up trust funds for your children, it’s wise to work with a lawyer to create your will. In Thailand, it is not expensive to consult professional to draft a Will. It will probably cost you less than 10,000 baht, including Thai and English translations, legal advice and other related services.

If you do write your own Will, it’s easy to find the rules and regulations governing this document from local government offices or through the internet, but it’s important to follow them carefully. Certain specifications can include writing your Will in an officially recognized language, writing the entire document by hand in a certain colour of ink, adding your own full name and signature, and not adding any text after your signature. Will must be signed, dated, and witnessed by people who are not beneficiaries of the Will and who therefore have no stake in the distribution of your assets.

Nevertheless, we would suggest you avoid using templates. Templates are impersonal and often not created by professionals, and laws change quickly. You can’t be sure that your template is up-to-date and fully valid. A Will should be designed according to your needs and should also be in a language that you understand. If you make a Will in Thailand, in Thai language and without a translation, how can you know that it is done according to your intentions if you can’t read Thai?

Your last Will and testament must be prepared and signed voluntarily at a time when you are of sound mind according to legal definition. In many jurisdictions, any previous Wills must be indicated in the most recent will in order to revoke the earlier documents. If this is not done, then earlier versions can be considered legal and can be used as grounds to challenge your last will.

Once you have created a last Will and testament it’s best to keep it in a safe place, most commonly with your lawyer. In many jurisdictions, some databases created by the State or Lawyers’ association can help you to trace a Will. Unfortunately, this is not the case in Thailand yet. You should also plan to update your Will, either after major life changes or once every five years to ensure that details are still how you would have them.

The creation of a last Will and testament is simply a responsible step to take to prepare yourself and loved ones for the eventuality of your passing. This document is easy to create and maintain, either on your own or with the help and advice of a lawyer. With just a little time invested, you can ensure that your estate is left to the right people and that your children are cared for by a responsible person of your choice.

Isaan Lawyers can help you to draft your Last Will and testament in THailand for only 4,800 baht. It can be done online, whether you are in Bangkok, Pattaya, Chiangmai or Phuket. Our Wills are made by registered lawyers, are bilingual (Thai-English) and will be adapted to your specific situation. Legal advice for your Will is included in the price, as well as keeping an original signed copy in our safe. We will also provide you an electronic copy should you wish. Do not hesitate to consult us about your Last Will in Thailand.

You can find additional info at the following links:

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miércoles, 22 de mayo de 2013

Common Types of Criminal Law


When a person commits a criminal act, that person can be prosecuted by the criminal justice system. It is the job of a court-appointed public defender or a qualified criminal defense attorney to research the situation, sift through the evidence and devise a case that places reasonable doubt in the minds of the judge and/or jury regarding the innocence of the accused. In the United States criminal justice system, all accused parties are considered innocent until proven guilty beyond reasonable doubt.

Criminal Law Infractions

The term “criminal law” encompasses a broad range of infractions, so criminal defense attorneys must be prepared to tackle a variety of challenging and complicated cases. Crimes tend to fall into several categories:

• Sexual

• Violent

• Drug and alcohol

• White Collar

• General

Criminal defense attorneys handle cases involving:

• Murder or manslaughter

• Kidnapping

• Hate crimes

• Robbery

• Child abuse, molestation or pornography

• Arson

• Theft

• Rape or sexual assault

• Domestic violence

• Prostitution or exploitation

• Lewd conduct

• Car jacking

• Driving under the influence or while intoxicated

• Drug related crimes, including possession, sale, growth, etc.

• Terrorist threats or acts

• Hit and run

• Arms trafficking

• Aiding or abetting in a crime

• Stalking

• Extortion

• Fraud

• Bribery

• Larceny

• Embezzlement

• Racketeering

• Price fixing

• Violations of securities and commodities law

• Obstruction of justice

• Environmental crimes

• Money laundering

Misdemeanors vs. Felonies

Some criminal cases are minor and can be classified as misdemeanors while those of a more serious nature are classified as felonies. The difference between these two distinctions is typically the type of punishment that is assigned. Felonies typically carry a stern punishment, such as:

• 10-20 years of imprisonment

• Life imprisonment

• Death sentence

Criminals charged with misdemeanors usually receive a lighter sentence, such as:

• One year or less of jail time

• Community service

• House arrest

• Probation

• Fines

Within the classifications of felonies and misdemeanors, a crime can also be categorized by severity: Class A, Class B, Class C, Class D or Class E. A Class A crime is the most severe and carries the harshest punishment while a Class E crime is the least serious.

Importance of Criminal Attorneys

Individuals who have been accused of a criminal act need the support of an experienced criminal defense attorney to get them the best possible outcome in a criminal case. A criminal attorney can:

• Protect your rights during law enforcement questioning

• Involve expert witnesses to strengthen your case

• Examine physical evidence

• Identify legal loopholes

• Negotiate plea bargains

• File the appropriate paperwork

• Handle appeals

If you or a loved one has been accused of a serious or minor crime in the Nashville, Tennessee area, please visit the website of criminal defense attorneys James R. Omer & Associates, PLLC to request an initial meeting and see if their highly experienced legal representation is right for you.

You can find additional info at the following links:

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Helpful Tips When Burying or Cremating the Remains of Family Member

Helpful Tips When Burying or Cremating the Remains of Family Member

When an individual passes on, there are many decisions that must be made. One important decision concerns the remains. There are many different options for families of individuals who have died. The two most common ways to handle the remains of a loved one is to purchase a casket and bury them or have their remains cremated.

Generally the most traditional choice is a standard burial in a casket. Many families choose this option because they are able to visit a gravestone and know that their loved one is there. A standard burial is often preferred because the individual is being left alone and is at peace.

Cremation is another choice that many families make. Cremation is when the remains of a deceased individual is converted into ashes. This is a fairly common practice on individuals who may have been severely injured or disfigured in an accident or do not have any family members around to make decisions.

The decision to cremate a loved one is often difficult, but there is also an option that is a combination of the two. Once remains are cremated, there are placed in a urn. A urn is a container that stores the remains. Urns can come in various different styles, decorations, and sizes. There is a urn that is known as a burial urn. A burial urn is a specific urn meant for being buried underground, like traditional caskets. A burial urn is generally made out of specific material that will hold well underground.

Generally when compared to a casket, a urn is considerably cheaper. If a burial urn is used and the individual is buried, you can still have a traditional headstone. There are no set limitations or rules on cremating and burying an individual.

In addition to a burial urn there are other burial options or accessories for a cremation burial. Many Funeral Homes or casket companies sell a special burial urn vault. The materials used, sizes, and styles will depend on where you plan on purchasing a burial urn vault. These vaults come in different sizes, but they are typically just big enough to hold a standard urn. These burial urn vaults are a protective way for urns to be buried underground. Just like caskets, burial urn vaults are typically decorated with various religious designs or they can even be customized for a family.

The decision to bury a family member is a touch decision to make. There are many tips and resources available for assistance with making this difficult decision. Cremation is a common practice used all around the world. The majority of religions accept and believe in cremation; therefore, it will generally not upset an individualís belief system. Handing the remains of a deceased family member is often a family decision. If the family cannot agree on a specific procedure, a burial urn may be a great idea. A burial urn allows remains to be cremated and buried all at the same time, generally pleasing all remaining family members.

martes, 21 de mayo de 2013

Leaving the Hospital, Going To The Nursing Home

Admitting yourself or someone you love to a nursing home for rehabilitation is something that we have to do and not what we want to do. As we age the risk increases for a health accident even if we are healthy. Unfortunately, nat all of the care we will ned can be provided in a hospital or at a rehabilitation specialty center. Some of us will need to go to a skilled unit at a nursing home.

Near the end of your or your loved ones hospital stay, you will be contacted by the Discharge Planner or Case Manager of the hospital to discuss the alternatives of continued care. You or your loved one may no longer meet the criteria for a hospital stay. Once a patient is stable they must be moved towards a lower level of care.

The Interdisciplinary Care Team of the hospital will assess the needs of the patient’s care based on the acuteness of the care and the monitoring required for the patient, the patient’s rehabilitation potential, the ability of the patient or their family’s ability to care for the patient and the nature of the home environment that supports the patient. In all cases, the goal is to establish a safe discharge plan that meets the needs of the patient.

For the aged and for people with multiple disease progressions the recommendation maybe for the patient to be admitted to a long-term care facility (nursing home) that provides skilled nursing and rehabilitation. The hospital Discharge Planner usually provides a list of nursing homes that they are contracted with or provide reliable service for you to tour and select. The discharge planner will not choose for you.

You can find additional info at the following links:

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lunes, 20 de mayo de 2013

What's the Best Way to Pay a Business Owner's Estate Taxes?


A critical element to business succession planning is making certain the business owner’s estate will have the cash to pay estate taxes without having to sell the business. This article will examine the advantages and disadvantages of four such commonly used techniques – IRC Section 6166, IRC Section 303, Graegin loans, and life insurance.

IRC Section 6166

IRC Section 6166 permits the legal representative of the business owner’s estate to pay the portion of the estate tax attributable to the business in installments. During the first four years, interest only is due. Thereafter, annual installments of both interest and principal are due over 10 years.

While Section 6166 can be useful, it does have several drawbacks. First, in order to qualify under Section 6166, the business interest must exceed 35% of the business owner’s adjusted gross estate. Second, interest accrues at the rate of 2% on the deferred tax on the first $1,340,000 (indexed for inflation) of the business interest in excess of the applicable estate tax exclusion amount. But the interest rate on the deferred tax in excess of that amount bears interest at 45% of the rate applicable for tax underpayments (i.e., the short-term applicable federal rate plus 3% adjusted quarterly). Moreover, the interest paid under IRC Section 6166 does not qualify as an administration expense and is not deductible on either the estate tax return (Form 706) or on the estate’s income tax return (Form 1041). Third, the IRS can place a tax lien on the business until all installment payments are met. This lien may make it difficult for the business to borrow from banks and other lenders. Finally, the IRS can demand immediate payment of all unpaid taxes if the estate misses one scheduled payment, or if there is a sale or exchange of one-half or more of the business.

IRC Section 303

IRC Section 303 permits heirs to get cash out of a corporation (either a C corporation or an S corporation) with minimal or no income tax consequences to the extent needed to pay federal and state death taxes, costs of estate administration, and funeral expenses. Thus, Section 303 can help an estate escape a forced sale of the business to pay estate taxes, without having a partial stock redemption taxed as a dividend.

But Section 303 is not without its disadvantages. First, the stock’s value must exceed 35% of the deceased shareholder’s adjusted gross estate to qualify. Second, where will the cash to redeem the decedent’s stock come from? The corporation may not have excess cash with which to redeem stock. And, if the corporation attempts to accumulate cash to redeem stock, it may be subject to a 15% accumulated earnings tax. IRC Sections 531-537. Finally, like any other redemption, a Section 303 redemption can alter the ownership percentages of the surviving shareholders.

Graegin Loans

In Graegin v Commissioner, 56 T.C.M. 387 (1988), the Tax Court allowed an estate to deduct (as an administration expense on the estate tax return) the interest on a loan used to pay estate taxes. In Graegin, the estate consisted mostly of closely-held stock and had very little liquidity. So, instead of selling stock; or redeeming stock under IRC Section 303; or paying the estate tax on installments under IRC Section 6166, the estate borrowed the funds to pay estate taxes from a wholly-owned subsidiary of the closely-held corporation.

The note provided that all principal and accrued interest was due in a single balloon payment at the end of the note term, and neither principal nor interest could be prepaid. The Tax Court allowed the estate to deduct the entire balloon interest payment. Of significance is that the amount of interest payable be certain. Therefore, the note cannot permit prepayment of interest or principal. In addition, in order for the balloon interest to be deductible, the estate must show that it had no way of paying estate taxes other than the forced sale of illiquid assets. Otherwise, the interest payment is not a reasonable and necessary administration expense. See PLR 200513028 (Sept. 15, 2004).

Unfortunately, the Tax Court in Estate of Black v Commissioner, 133 T.C. No. 15 (Dec. 18, 2009), struck a blow to Graegin loans. In Black, the estate entered into a Graegin-type loan with an FLP. The Tax Court ruled that the loan was not “necessarily incurred” within the meaning of Treas. Reg. Sec. 20.2053-3(a) and, therefore, the interest (approximately $20,296,274) was not a deductible administration expense under IRC Section 2053(a)(2). The Tax Court found that the FLP could have redeemed the estate’s partnership interest shortly after the taxpayer’s death in order to provide the funds with which to pay the estate tax. This fact rendered the loan unnecessary. The Tax Court also emphasized that the decedent’s son stood on both sides of the loan – as the general partner of the FLP and the executor of the estate. But, it’s not clear from the Tax Court’s ruling whether the outcome would have been different if an independent party had served as the executor.

The problem with the Tax Court’s reasoning in Black is that, had the FLP redeemed the estate’s partnership interest shortly after the deceased partner’s death, the IRS would likely have included in the decedent’s estate any partnership interests gifted during the decedent’s lifetime. In Estate of Erickson v Commissioner, T.C.M. 2007-107, an FLP provided funds for the payment of the deceased partner’s estate tax liabilities. The Tax Court in Erickson reasoned that this was tantamount to making funds available to the decedent resulting in retained enjoyment and, thus, estate tax inclusion under IRC Section 2036(a)(1).

Life Insurance

The complexity and potential challenges of using Section 6166, Section 303, or Graegin loans, reinforces the advantages of using an irrevocable life insurance trust (“ILIT”) to pay estate taxes. An ILIT offers the following advantages:

1. The accumulation of cash values is not subject to current income taxation; the trustee can access cash values tax free (by surrendering to basis and/or borrowing); and the death proceeds are not subject to income taxes.

2. Gifts of life insurance premiums of up to $13,000 ($26,000 if married) can qualify for the annual gift tax exclusion, thereby avoiding current gift taxes.

3. Gifts of life insurance premiums also decrease the grantor-insured’s estate, potentially lowering federal estate taxes.

4. For two reasons, the internal rate of return for most insureds will be favorable compared to alternative investments. First, in the case of a premature death, the insurance policy produces an unparallel return on investment. Second, since the death benefit is income tax free, the projected rate of return is enhanced. The internal rate of return can be calculated and easily illustrated by the insurance advisor.

5. Finally, life insurance provides the business owner’s estate the liquidity it needs exactly when it’s needed, regardless of whether the estate qualifies under Section 6166, Section 303, or Graegin. The death proceeds received by the ILIT can be used to purchase assets from the business owner’s estate or to loan funds to the estate or to the business directly.

An ILIT can also play a role in the other strategies discussed above. For example, if at the time of the business owner’s death the estate qualifies under Section 6166 and the interest rates are favorable, paying the estate tax in installments may prove useful. But, if the estate subsequently runs into problems paying the installments, the ILIT can assist by purchasing assets from the estate or loaning funds to the estate on favorable terms.

The same is true with a Section 303 redemption. Assuming the estate qualifies for Section 303 treatment, but the corporation does not have sufficient cash to redeem the deceased shareholder’s shares. The ILIT could loan a portion of the death proceeds to the corporation to help it consummate the redemption. This is preferable to having the corporation be the owner and beneficiary of the policy, thereby increasing the value of the business for estate tax purposes.

Finally, if the ILIT loans the business owner’s estate the funds it needs to pay estate taxes and structures the loan to be a Graegin loan, the estate may qualify to deduct all of the balloon interest (as an administration expense). Of course, this assumes that the IRS does not successfully challenge the loan under the rationale of the Black case.

In summary, an ILIT is a popular and effective tool to help meet the estate liquidity needs of a business owner. Due to its tax-advantaged status, an ILIT is an ideal way – standing alone or in conjunction with other planning opportunities – to fund estate taxes, thereby assuring that the family business stays in the family.

THIS ARTICLE MAY NOT BE USED FOR PENALTY PROTECTION. THE MATERIAL IS BASED UPON GENERAL TAX RULES AND FOR INFORMATION PURPOSES ONLY. IT IS NOT INTENDED AS LEGAL OR TAX ADVICE AND TAXPAYERS SHOULD CONSULT THEIR OWN LEGAL AND TAX ADVISORS AS TO THEIR SPECIFIC SITUATION.

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domingo, 19 de mayo de 2013

How To Make Thank You Cards


Have you received an unexpected good deed recently?

You may want to show your gratitude and appreciation for the aide, support, or assistance by making thank you cards and sending them to your good Samaritans.

Making thank you cards does not require much of your time. If you have a few extra hours, use these to make thank you cards. At home, you can create thank you cards using available materials. You may have paper stock on hand. If not, you can always visit a supply store near you to make a purchase. For printing, your desktop printer can help you in production. If you are adept in computer applications, making the design template for thank you cards can come easy for you. Design software and computer applications you can use include Microsoft Publisher, which is perfect for beginners, and Adobe Photoshop, Corel Draw and Illustrator which can allow you to create unique custom-made design templates.

If you are wondering how to create thank you cards, here are the simple guidelines that can help you out.

Define the design theme for your thank you cards. You may want to create a design template that would be appreciated by your receivers. You may want to take a cue from the help provided to you or the result of what the good deed has offered you. Brainstorm with people you know as to how to create appealing thank you cards.

Once you have finalized the design theme, you now need to start working on the template. From what you have in mind, plot the design using the design software you have chosen. Make sure that you stick to the design theme, but do make room for improvement. Otherwise, you can just drop your work and start all over again. Delays and setbacks may be avoided if you already know what you want for your thank you cards.

Have the design elements ready for use. As you may be using design elements, such as images and patterns, you have to keep a file of these on your computer for easy access. You can download these over the internet, too. If you want to create added appeal, you can also make use of font styles and brushes. Use full color printing if you make use of these interesting design elements.

Make a print sample once you are done working with the design template. Your print sample will allow you to find errors that need to be edited before the file is sent to the printer.

Aside from using your inkjet printer, you can get the services of a commercial printer. These printers can be found in your area, but you can also get one from the internet. If you choose the latter, you will need to upload the file, but make sure that more or less, the design template is 100 per cent complete and error free. Do not worry though if there are some considerations. There are in house designers that can tweak the design template. These online printers can be trusted. Just make sure though that the one you choose is reputable. Take time learning about what the capabilities of these online printers are. Choose one that satisfies your specifications. You should check the price, the quality, and the services they provide.

For comments and inquiries about the article visit: http://www.printplace.com/printing/thank-you-cards.aspx

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sábado, 18 de mayo de 2013

Child Duvet Cover - Versatile and Exciting Bedding for Children


A child duvet cover is an excellent way of adding variety and interest to the décor of your child’s bedroom. Simply changing to a new duvet cover can change the look of your child’s room and recapture your child’s joy in sleeping and playing there. Duvet covers serve the convenient and practical purpose of protecting the comforter on your child’s bed from stains and spills while also serving as a decoration and unique expression of your child’s personality. Changing a duvet cover and thus changing the theme of your child’s room is as easy as unzipping and removing one cover and replacing it with another.


Duvet covers come in a variety of colors and themes. Above all, a child duvet cover should be easy to care for. The best duvet covers are those that are 100% cotton and machine washable to eliminate frequent and expensive trips to the dry cleaners. With a lapped zipper opening on the back bottom of the duvet, these duvet covers are easy to place over your child’s comforter and easy to remove. Reversible duvet covers allow for extended use between washings.


There is a child duvet cover out there for every child. Duvet covers come in a range of colors and themes will appeal to children of all ages and interests, from the whimsical BeBop Turquoise and Strawberry Cordial Pink to the more serious Tartan Red. Carefully selected designs and themes will captivate your child’s interest and imagination. Animal lovers will be happy to go to sleep with an African Safari, Java Giraffe, or Rain Forest Frogs duvet cover. If your little girl is a tomboy, she will love a Rhinestone Cowgirl duvet cover. A Muscle Cars duvet cover will let your little boy can keep on playing with his toy cars in his imagination when he goes to bed.


Look for duvet covers that are affordable and easily laundered. It makes sense to buy two or three duvet covers for your child’s bed. That way, your child’s comforter does not have to go “bare” while one duvet cover sits in the laundry basket. You can simply zip on a spare child duvet cover. In fact, you can switch duvet covers as frequently as you like in order to reflect your child’s changing interests or to update the décor of your child’s room with the changing seasons.

You can find additional info at the following links:

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viernes, 17 de mayo de 2013

Doctor Settles Malpractice Lawsuit With Mother Of Baby Who Died During Pregnancy For $650,000


A woman who had been dealing with hypertension for a number of years reaches the decision that she and her husband want to have a baby. After learning of the pregnancy, she met with her primary care physician who sent her to an obstetrician. When she meets with the obstetrician, the doctor decides that she should try to control her hypertension by diet alone given that her medication could have a harmful effect on her child in the early stages of her pregnancy. Yet, the obstetrician could not keep the woman's blood pressure within the normal levels, so her primary care physician and obstetrician agreed to prescriber her one-half of her normal dose.

Despite the mother taking medication for her hypertension, she starts to suffer from headaches, nausea, vomiting and blurred vision, which progressively become more frequent throughout her pregnancy.

When she goes into her doctor's office, he continues to note elevated blood pressure and gives her a higher dose of medication in an attempt to lower her blood pressure. Despite her best efforts in meeting with the doctor to correct these issues, her symptoms get progressively worse and happened more frequently as her pregnancy progresses. In her later visits it is noted that she has begun to leak amniotic fluid, which can be very dangerous.

After the ultrasound, the physician informed the woman that the leakage was not significant and she shouldn't worry. He did not inform her that the nutritional levels in her womb had gone down and that it could have an effect on her baby. The doctor did not inform her that her child was at risk to experience problems related to fetal hypoxia (being deprived of an adequate oxygen supply). And, moreover, he did not conduct any tests on the baby to see how the baby was doing.

After this visit the mother is still suffering from sever headaches, begins to have sinus problems in her ears and becomes worried as she becomes aware her child is not moving much. At her next appointment tells her doctor, who decides to induce labor the following week. despite her concerns over waiting another week, the obstetrician downplays the mother's fears and sets up an appointment for her for the following week.

The following week the woman went into her doctor's office to have her child. Following the ultrasound, the technician, began to act strangely, handed her the video and immediately left the room. One of the nurses brought her into a small room, which was not regular exam room. There her physician advised her that her baby did not have a heart beat. She was brought to a hospital and the death was verified. After this she has to endure going through labor, knowing her baby was dead. She and her husband held their dead baby girl and emotionally planned her funeral. Following this event the mother and her husband filed a malpractice case against the physician, requesting damages relating to the death of their baby, including emotional distress. After filing the claims against the doctor, the law firm handling the matter reported that they were successful in reaching a settlement for $650,000 on behalf of the couple for the death of their baby and the emotional distress they suffered.

You can find additional info at the following links:

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jueves, 16 de mayo de 2013

5 Ways to Make Money Playing Guitar

For those of us who are lucky enough to call ourselves guitar players, here is a quick list of a few things you can do to make a living with your music. To make a living playing guitar, you must become self-motivated, and make sure your material is "up to snuff." You must also be able to promote your services like crazy, since most gigs won't just fall in your lap. Take out ads, hand out fliers, play some free gigs, and build name recognition. Stay focused and be persistent. Some of these things may not coincide with the style of music you like to play the most, but it is probably better to play a bit of music that you may not particularly love in order to be better suited to selling your services. The following is a list of ways for guitarists to make money:

1. Play Solo Gigs. If you can play and sing, you can offer your services to restaurants, bars, events, corporate functions, parties, etc. You could try busking, but make sure to check with any local laws surrounding buskers and suitable locations. Make sure your music is appropriate for each situation, and it is recommended that you learn many popular songs since solo acts tend to get many requests. You can even throw in your originals and sell CDs on the side if it is appropriate to do so.

2. Start a Band. I'm sure everyone has a dream of starting a great band, signing a record deal, touring the world and getting rich. Well, this is not the type of band I am talking about. Why not make a few bucks playing gigs at parties or bars? Get a few good musicians to join your band, learn a few sets of popular Top 40 style hits and start marketing your services as a bar band. Or, start an acoustic duo and market yourselves to bars and restaurants with patios. Once you build recognition as solid performers, you will be able to make a decent night's wage for sitting around playing simple guitar songs all night.

3. Play at Weddings. Most people cringe when this is recommended, but wedding gigs are some of the highest paying gigs for the least amount of work. You must make sure your music is polished, or risk a bad reputation, but you get bonus points if you can make the attendants cry! It is easy to make a few hundred dollars for about 2 hour's work, and you usually only play one hour's worth of material! Learn hymns and love songs for solo finger-style or classical guitar, partner up with a singer or violinist, or get another guitarist to play the melody, while you play the chords (or vice versa).

4. Play at Funerals. Most people hate funerals and Funeral Homes, so this niche is quite open for musicians. If you are the type that can handle the atmosphere, perhaps this is and area worth investigating. Mourners are looking for sentimental music to lift their spirits or create an atmosphere for the funeral, so make sure your music is appropriate and, once again, perfected.

5. Teach Lessons. This is a quite obvious one, but it is surprising how few people take this seriously. Music lessons are a great way to make a steady income, taught either at your home or at a local music shop/school. Put ads out in the local newspaper or online and try to spread the word as much as you can. Run your lessons as a business, taking payments up front and making sure your lessons studio looks professional. Teach students what you know, answer questions, and try to keep them interested.



Some of you guitarists out there may be thinking that playing hymns at funerals, or love songs at weddings, or even top-40 music at bars, is like selling out since it isn't the style of music you like. Well, even though you may not particularly have a passion for Ave Maria, Jesu, Joy of Man's Desiring or Sweet Caroline, it is probably safe to say that playing guitar as a job, ANY style of guitar, is much more fulfilling and enjoyable than working a 9-5 job doing something else. Ask yourself this question: "Would I rather make my wages working 40 hours at a job I hate, or make the same amount, or more, playing guitar for a few hours a week?" Which one did you choose?







Jonathan J. Brett is a full-time professional guitarist, teacher, and business owner. He has been actively learning and teaching the guitar for over 12 years, and has earned his degree in music on guitar. He also performs professionally, playing classical and finger-style guitar at weddings and events.

For more information about learning to play the guitar Click Here!

For Tabs, books, articles and guitars, check out http://www.guitartabguru.com





miércoles, 15 de mayo de 2013

Bereavement - How To Deal With Grief


Bereavement – Understanding and coping with Grief.

Only people who are capable of loving strongly can also suffer great sorrow, but this same necessity of loving serves to counteract their grief and heals them - Tolstoy

In truth, no written words can ‘cure’ someone suffering with the loss of somebody whom they love.

Grief cannot be ‘cured’ anyway, but it can eventually stop being as painful as you find yourself coming to terms and ‘moving on’. But how long will this take? This is an impossible question to answer and relies on many, many factors. One thing that I am sure of though is that it is better to travel the journey with someone to support you than to do it alone.

Perhaps you are asking ‘why has he written this article if he cannot stop the horrible feelings of loss, feelings of hopelessness and depression?’ Well, that’s a fair question and the answer is that I can help you to understand the grief process that you, and everyone at times in their lives, has to go through. By understanding this, you should be better able to deal with the strong negative emotions that you must feel. Also, recognising that it is a process gives hope to the idea that it will end in spite of how you may be feeling currently.

The primary purposes of this article are therefore to

1) Offer the reader and understanding and therefore help in dealing with the natural and painful process of grieving.

2) To reassure you that the emotional and physical reactions that you may be going through are normal and perhaps even necessary.

3) To explain why help will be of great benefit in supporting and guiding you through the stages of the grieving process and what form the help takes.

It has been written by me, as a Psychotherapist , and will hopefully be of interest and benefit to several types of readers:

a) Someone who has had a recent loss and is finding it hard to come to terms with it.

b) Someone who is anticipating a loss fairly soon and wishes to prepare for it.

c)Someone who has had a loss sometime ago and feels that they are still not over the pain.

Before we begin looking into this important process, I need to clarify a couple of things.

Firstly, what is grief? We can define it as the psychological reaction to loss. We usually think of the death of someone dear to us, but we also grieve for any loss in our lives that we consider significant.

These losses could include the loss of our own childhood if this was unpleasant, divorce, having a miscarriage or losing your job etc.

The first part of this article will introduce some background topics that will help give an understanding as to why this natural process can be so difficult.

Background

The process of grieving is a natural part of the human life experience. It is experienced differently by each of us and is affected by many factors which include culture, beliefs and the other loss experiences that we have had.

However, being a natural process is not enough to ensure that we are able to come to terms with our loss and ‘move on’ to adjust our lives and begin to function effectively again. Western society has been in a state of constant change for many years. This in itself offers stress and anxiety for many individuals. It has impacted on all aspects of our lives which includes the way we view matters such as grieving.

Social changes have seen a decline in what used to be support structures. Families used to live very near to each other, religion was strong and central to many communities, our local doctors knew us and understood us, good neighbours and others in the local community would be available to help in times of need. The decline of these support structures often means that we are (feel) more isolated thereby limiting our opportunities to share and express our emotion.

Are you able to openly show you feelings? Generally, men find this more difficult than women, at least in western society. Men are often raised being told nonsense such as “big boys don’t cry”, “real men keep their emotions under control” etc. Bottling it all up is not healthy. It is at the funeral that men can often allow themselves to cry just a bit.

Funerals play a very important part in saying goodbye and in the acceptance of the fact that a loved one is no longer part of our physical lives. You will also be able to look at the life of the deceased and see him or her in terms of celebrating that life rather than focusing on their death and absence. However, these often take place too soon after a death and can be perceived as a hurried affair. The friends and relatives attending the service will be good for you due to the support they offer, but after the service and follow up function, they leave perhaps taking with them that support.

This ‘hurried’, ‘compacted’ activity contributes to a your having a shorter time to fully grieve than is necessary.

Other difficulties include the way that friends, relatives and work colleagues relate to you. Perhaps they are too sympathetic, perhaps they avoid the subject (or you) altogether, perhaps they irritate by saying empty, albeit well meaning phrases like, “ I know exactly how you feel......”, “time is a great healer..”etc..

So let’s have a look at the process in more detail.

The field of grief counselling has benefited greatly from many dedicated and inspired researchers such as Elizabeth Kubler Ross, J William Worden. Their work and the contribution of clinical experience have shown that all loss has to go through stages. As previously mentioned, there is no fixed timescale involved as we are all affected by grief differently. How we react also depends greatly on the nature and circumstances of the death, but in general:

Shock

At this stage it has not yet been accepted that the death is real. Perhaps your sub conscious is protecting you to allow it to ‘sink in’ slowly so avoiding emotional overload. Others may even comment that you are coping well. You may feel ‘numbness’ and a sense of disbelief.

Separation and Pain

At this stage you may have feelings of intense pining and yearning. These emotions can ebb and flow and can often give concern and be distressing for those close to you that are witnessing this

You may find yourself asking others to reassure you that the person really has gone from your life.

You are likely to have feelings of emptiness and possibly keep ‘seeing’ the deceased.

Despair

This can be a very dark place for the person grieving as the full realisation of a life without the loved one now takes hold. Common thoughts include “what is the point of living without him/her?”, “how will I cope on my own?” You may find it difficult to function normally, become absent minded or depressed.

Acceptance

When you have passed through the previous stages you will start to believe in the possibility of ‘moving on’. This will initially be intellectual acceptance as there will still be emotional mood swings and depressions at times. Anniversaries, birthdays and other special times may still give problems for a time. Resuming a social life may give rise to feelings of guilt that your life is moving on or that others may think that you have now forgotten the deceased.

Resolution and re-organisation

Having got to this stage, you will now be able to discuss your loved person with others and recall fond memories without becoming upset. You shall also be able to lead a full social life without feelings of guilt.

Feelings, behaviours, thoughts and physical responses on your journey

Let’s have a look at some of the above. By being aware and exploring these sensations, may help you to realise that these are normal responses and ones that you can work through.

Feelings:

Anger, perhaps at the person who has left you. Certainly, God regularly gets an ear bashing!

Guilt, perhaps at having anger, perhaps because you have survived, perhaps you don’t know why.

Anxiety: For those having experienced an unexpected death of a loved one, you are now plunged into an uncertain future and may have concerns as to how you will cope, ever be happy again or perhaps even exist.

Emptiness, aching, loneliness as you are constantly reminded of their absence.

Tiredness/fatigue are very common symptoms which perhaps slow us down a bit and help with the healing process.

Yearning is yet another common and perfectly natural occurrence. As you move toward acceptance, this need will lessen.

Other common signs: Confusion, worries about not saying goodbye, obsessive thoughts about the deceased, hallucinations, sleep problems, absent mindedness and many more.

If you have religious beliefs, these can often be challenged at this difficult time. As mentioned earlier, God can be a focus for blame and unanswerable questions that can then make us feel gulty.

Pathological aspects.

You may hear this word which simply means that the grief process is perhaps excessive in its intensity say, resulting in certain types of behaviour or symptoms. These could include:

Quite severe depression

Difficulties in talking about the deceased without intense emotional reaction.

Excessive euphoria after the death.

I do not want to dwell on these because you may start to incorrectly analyse your feelings and this is not the purpose of this article. If you beleive, or others tell you, that you are overreacting or use language that suggests this, then see a mental health professional who is best qualified to help you through.

I hope that you found this information comforting insofar as all those bereaved suffer some if not most of these ‘symptoms’. I also hope that you can begin to realise that it can be very difficult to see your own way through this ‘fog’ of negative emotion. Without support, some can become ‘stuck’ at a particular stage which is clearly undesirable. So where can support be found and what can be expected?

If you have a close and caring family this can be a great help at least at the beginning but at some point you may need professional help. This can be provided by someone from your religious community, voluntary grief workers or professional mental health professionals such as psychotherapists and grief counsellors.

What can you expect?

The person that you select to accompany you on your journey through grief should offer these qualities:

a) He/She recognises that it is your journey and that you set the pace and timescales.

b) He/She listens to you and only speaks when needed or when appropriate.

c) Offering an environment that you accept as a ‘safe place to cry’.

d) He/She travels ‘beside’ you on this painful journey, guiding gently, always supportive.

e) NEVER be judgemental.

Finding the appropriate companion for your journey of grief can be done through voluntary agencies such as Citizens Advice Bureau (UK), age support organisations, religious groups and counselling/therapy practioners which can be found in the yellow pages or online.

I wish you well on your difficult and painful journey and leave you with the knowledge that it is perfectly possible to come through this experience and to be able to get on with your life again. This does not mean that you will forget the one you have lost. You have simply adjusted your life.

David Carroll Dip CP Dip Hyp LHS
http://www.wessexwellbeing.com
email: david@wessexwelleing.com


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How To Achieve Maximum Fertility In Minimum Time


Copyright 2006 Power Marketing, Inc.

If you're thinking about getting pregnant, or trying to get pregnant already, taking care of your health is a top priority for your fertility. To help your body achieve it’s maximum fertility, take the following steps:

- Take 400 micrograms (or 0.4 mg) of folic acid daily. Focus on eating foods fortified with folic acid, take a multivitamin, or take a folic acid pill to get your daily dose. Taking a folic acid supplement is the best way to be sure you're getting enough. Including 0.4 mg of folic acid (or folate) in your diet before you get pregnant and in the first three months of pregnancy can help prevent some birth defects. If you don't get enough folic acid, your baby's spine may not form correctly. This is called spina bifida. Another thing your baby needs folic acid to develop a healthy brain. Many doctors will prescribe a multi-vitamin that contains folic acid. But the better thing to do is to buy folic acid pills at drug stores or supermarkets. Foods that are rich in folate include: leafy green vegetables, kidney beans, orange juice and other citrus fruits, peanuts, broccoli, asparagus, peas, lentils, and whole-grain products. Folic acid is also sometimes added to foods like enriched breads, pastas, rice and cereals. It’s a good idea for you to find out more about folic acid.

- Be more aware of what you eat. Start stacking your diet with fruits, vegetables, and whole-grains (such as whole-wheat breads or crackers). Be sure to eat plenty of calcium-rich foods such as non-fat or low-fat yogurt, milk, and broccoli. Your baby needs a lot of calcium for strong bones and teeth. When fruits and vegetables aren't in season, frozen vegetables are a good option. Avoid eating a lot of fatty foods (such as butter and fatty meats). Choose leaner foods when you can (such as skim milk, chicken and turkey without the skin, and fish). However, avoid eating swordfish as they contain high levels of mercury.

- Bite the bullet. If you smoke or use alcohol or drugs you have to tell your doctor about it. Quitting is hard, but your fertility will suffer if you don't. You can do it. Ask your doctor for help.

- Get plenty of sleep. Try to get seven to nine hours every night.

- Do everything you can to control the stress in your life. When it comes to work and family, figure out what you can and can not do. Set firm limits with yourself and others. Don't be afraid to say “NO” to requests for your time and energy. You may not realize it, but high stress can lower your fertility more any other factor.

- Don’t forget to move your body. Once you get pregnant, you can't increase your exercise routine by much. So it's best to start a routine before the baby is on its way.

- If you have existing health problems take steps to get them under control. Talk to your doctor about how your health problems might affect you and your baby. If you suffer from diabetes, monitor closely your blood sugar levels. If you have high blood pressure, monitor these levels as well. If you are overweight, set an appointment with your doctor and talk about how to reach a healthy weight.

- Find out what health problems run in your family. Tell these to your doctor. You can get tested for health problems that run in families before getting pregnant (genetic testing).

- Make sure you have had all of your immunization shots, especially for Rubella (German measles). If you haven't had chickenpox or rubella already, get the shots at least three months before getting pregnant. Having either of these diseases after childhood can render you infertile.

- Get checked for hepatitis B and C, sexually transmitted diseases, and HIV. These infections can be harmful to you and your baby. Tell your doctor if you or your sex partners have ever had an STD or HIV.

- To protect your fertility go over all of the medicines you take with your doctor, including prescription drugs, over-the-counter, and herbal medicine. Make sure they are safe to take while you're trying to get pregnant or are pregnant.

Taking each of the steps will help you to get your body ready for maximum fertility, and eliminate things that could possibly cause infertility. Check them off one at a time and get ready for baby.

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