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So many of us Baby Boomers, aka Sandwich Generation, know all too well about the emotional costs involved with caring for aging parents, but few will ever speak of the financial costs of elder care. It seems to be a taboo subject to speak of how much it costs to take care of Momma, but the bottom line is elder care is expensive and can put your family into financial ruin. The good news is there are ways to cut the costs of elder care, as one who has been there and done that, I sought out every available elder care cost cutting resource I could find.

When providing elder care for an aging parent, Social Security, Medicaid and Medicare only go so far each month, the deficit will have to come from your parent's estate or as it is in most cases, out of your own pocket. Your best resources to cut the costs of elder care will be those offered at the community level, which will be subsidized by state, federal or private agencies.

Adult daycare centers or senior citizens centers are facilities in which your aging parent can go to during the day that will allow you to continue working. The health and mobility of your aging parent will determine which facility will be the best choice, both of which will offer transportation, socialization and recreation as part of their elder care programs, along with some degree of nursing care. The out of pocket cost is just a small amount for the lunch served at either facility.

If your aging parent is unable to leave your home, there is Medicaid provided in-home health care that will provide qualified in-home health care during the day for your parent to allow you to continue working. If you don't work outside the home, you can receive part-time in-home respite care for your aging parent to allow you a much needed break from providing round-the-clock elder care. This in-home health care will not cost you anything.

The government sponsored Meals On Wheels program will bring home delivered meals for your aging parent. The meals are delivered fresh daily or frozen weekly (depending upon your location), along with milk, bread and desserts, which will help cut the cost of elder care by providing nutritious food at no cost to you.

Your local Alzheimer's Association is another good resource for cutting the cost of elder care by offering free adult diapers, pads, wipes, creams, etc., to qualified recipients.

A supplemental health insurance that will pay for medications and pick up where Medicaid and Medicare leave off is another way to cut the cost of elder care. Don't assume that Medicaid and Medicare will cover all medical expenses, they don't, and when a hospital stay in necessary for your aging parent, the hospital bills will follow.

A booklet listing all your community's elder care services and their contact numbers should be available to you at your local DFACS office, Social Security Administration or Veteran's Affairs office.

Utilize every available resource your community offers to cut the cost of elder care.

Posture Exercises

A human relations expert can help you:

• Get clear on what you want that brings pleasure, joy, and happiness to your life.
• Get clear why you do what you do.
• Get clear what you are trying to achieve with your behavior.
• Get clear opportunity to make new choices in your interest.

We all need to know what the motivation for our behavior is. If you are a consistently involved in one relationship after another that brings you more pain than pleasure, you need to know why and stop doing what is not working. If you are consistently using sexual behavior, alcohol, drugs, food, or money in ways that you are ashamed of; you need help. You will need to find ways to get your needs met that are not self – destructive, make you feel bad, and potentially cause you significant long term harm.

A Human Relations Expert Helps:

1. You Identify What’s Important – Your Personal Faith and Values
2. You Identify What You Want So You can Stay Focused on What You Want
3. You Identify Your Behavior That is Focused on Avoiding Pain
4. You Establish a Set of Standards For Getting What You Want That Gives You Pleasure
5. You Design a Plan for Articulating What You Want in all Your Relationships
6. You Monitor Your Progress and Make Adjustments When Necessary
7. You Keep Your Eyes and Heart On Your Focused Goal
8. You Understand That a Fall Is Not A Failure But a Reminder of What You Don’t Want
9. You Review and Evaluate Your Activity and Progress
10. You Celebrate Your Personal and Relational Successes

Claim your life. It is yours. Live in ways that make you feel good and help you achieve pleasure in the area of your passions for love, work, and play. It’s your life. It’s your right. A Human Relations Expert as your Personal Motivator can help you get there.

See: long term health care
When you buy insurance for your car or home you are probably hoping you will never have to use it, however you are glad that it is in effect just in case you need it. When you buy long term health insurance the provider is hoping you will never need it either, they are hoping you will pay into it and never use it. One thing is for sure, if we live long enough we will one day need long term health care coverage, but in actuality only about 50 percent of aging policy holders ever get to use it. Many long term policies go up in price as the aging person gets older and then one day before they will actually need to claim the benefits of that policy, they no longer have insurance for one reason or another.

There have been many salesmen come to my home trying to sell me long term health insurance, and there is one thing I have learned: They won't offer any negative information that you might need to know prior to signing up. The salesmen want to make sales, and they will let you believe whatever you want to believe as long as it ends up in a sale for them. Often times an elderly policy holder who has paid the premium on time for many years is no longer covered because he/she is no longer in a healthy state of mind due to an illness. Some insurance policies have hidden traps in them to cheat the insured out of the benefits.

Many insureds buy long term health insurance when they are young, and they may not realize that as they get older the premiums may go up, and by the time they need the insurance to pay for them, the premium is so high they can no longer pay for it. All the money is lost that they invested. Have you been approached by an insurance salesman? That salesman knows the statistics, and he/she knows that it is often thought of as a racket, and that most people never get to use this special kind of insurance coverage.

Before you decide to purchase long term health insurance, it would behoove you to take the policy with all its jargon and fine print to a professional for a legal opinion. Is the policy going to cover you when you need it most? What if you develop Alzheimer's disease 30 years from now? Will the policy be in force if you are not in your right mind to sign the papers?

You can rest assured that the insurance companies have skilled contract writers and lawyers to modify every word of a contract to reflect the current laws in their favor. You as a consumer owe it to yourself and your family to make sure you will truly be covered when the time comes that you need the coverage. If you are not sure of what the fine print of the contract says, it will be well worth the money you pay, in the long run, to have a lawyer that specializes in contract law to read the contract and help you make an informed choice.

There are some really reputable companies in your own community that sell insurance, but there may also be questionable companies advertised on TV and in magazines and newspapers that you really know nothing about. These companies can say everything you think you want to hear, but when the time comes that you need to use the insurance you may not have the benefits available. I strongly suggest you choose a brokerage company in your area that has a long standing reputation; don't choose a company that you know nothing about, just because you saw an ad on TV promising low rates.

My insurance is paid though my checking account automatically, and I chose that method because one day I might be lacking my mental awareness, and if I were ever to forget to write a check to keep my policy in force, I wouldn't be covered. My being set up on auto-pay, I can be assured that it will not be cancelled because I forgot to pay the bill.

Over the years we may spend thousands of dollars for long term medical insurance and we hope it will protect us in our later years. We want to believe the insurance will cover the day to day expenses of long term nursing home care, or long term home health care, but in actuality the insurance may fall way short of what is expected. My father paid for long term healthcare insurance for many years, and when he was admitted into the nursing home I was getting bills for what the insurance didn't cover. For all the years that my dad paid the premiums for this insurance he never realized that his medications wouldn't be covered. The cost of medications could devastate a family's finances when their loved one's insurance doesn't pay for them.

When you buy insurance be sure of what you are buying, be sure of what is covered and what isn't covered. And be sure that when you need it, the insurance will still be in force. It's sad, but many policy holders are no longer covered when they need the policy to be in force because of the disabilities they have developed in their older age. I quoted this excerpt from my source: “Some policies have such strict disability criteria that many policyholders who need help do not qualify for benefits. Other policies narrowly define qualifications so that insurance company doctors, who are given bonuses for controlling costs, can overrule the medical orders of a policyholder's private doctor. Even when policyholders qualify for benefits, many will learn that their coverage has been out-paced by inflation. Yet only five of every one hundred 60-year-old consumers who take out long-term care insurance policies in 1995 will still have coverage in place at age 80 when they need it, because the high cost of premiums, which are likely to rise even higher, will force them to drop their coverage.”

Source:

http://consumerlawpage.com/article/insure.shtml#intro

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It’s a broken record at this point: another housewife is watching her home go into foreclosure. This time, it’s Real Housewives of New Jersey’s Teresa Guidice, who last season famously told the world she didn’t want to live in a house lived in by some one else because that’s just so icky.

Media Take Out, who gleefully points out that “this time” it’s one of the “white housewives” has some of the deets, backed up by Radar, who posted the full filing of the foreclosure papers. My question is, the amount owed is $127, 500. Considering what we saw of their gigantic mansion last season, doesn’t that seem downright low? What do you think of this new foreclosed on housewife?

Edit: Several reports have surfaced today that the foreclosure was not on Teresa’s darling French chateau, but on another piece of land owned by Teresa. The klassy marble house we saw on season 1 of Real Housewives of New Jersey reportedly has a mortgage of 1.72 million on it, which a commenter just claimed was 50 years long. DANG.

[Image: Bravo/NBC Universal]

i have 25 to 26 day cycles and 6 days of flow. 7th day onwards i notice wetness in the vaginal area till about day 10th or 11. but i dont see any stretchy mucus. is that ok? Female Fertility Age

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Re: Apply For a £10000 Loan

Setting the Stage: Picking the Right Loan Officer

If you are not in the best financial shape ever and have some problems with credit, there is definitely justification about worrying about whether or not your loan application will be approved. Before you go in to apply for your loan, it is a good idea if you are worried to talk with your loan officer about it first.

Your loan officer will most likely give you a good idea about the chances of your loan getting approved or rejected. If the outlook is grim, you might want to try finding another loan officer in the bank, or even go to another bank where perhaps you will have better luck. If your chances look a little brighter then it is time to move ahead. Either way this step can often help stop yourself from wasting time on a loan that is going nowhere.

Preparing Before Your Loan Application

Preparation is exceedingly important when you are going for a loan application. Banks do not like to do business with people who only seem to have a vague idea of the shape their finances are in, especially when those finances aren’t in the best shape to begin with.

You want to impress your loan officer with how much you understand your finances. Know your numbers, have the facts and the figures ready to back it up and show the loan officer exactly what will happen with the loan and why you need it. As long as you are on the ball your loan officer will be impressed and your chances of getting the loan increased.

For example, if you are going in for a personal loan, you will definitely want an up-to-date estimation of your net worth, as well as any other important financial documents. If you are going for a business loan, you will need quite a bit of information: tax information for previous years, estimated profit and loss projections for the next two or three years and things of that sort.

Preparation is a key step in keeping your loan from being rejected.

If Your Loan Request is Denied

Just because your initial loan request is denied doesn’t mean that it is the end of the road for you. Many people believe this, however and give up after the first denial.

Persistence and assertiveness are the keys to winning your loan request even if you’ve been rejected at first. You might think you need to go to another bank, but there are good chances that you will eventually win out in the end with your original bank.

The first step is to return to the loan officer that turned you down. Ask him to explain why he rejected the request. This will give you good information in general on what makes a bad loan application, as well as giving specific advice on your own loan. You can also ask him what it would take for you to have your loan approved after it has been rejected.

Remember, your bank works for you, you don’t work for your bank. Even if the chances of your loan being approved at this point are slight, take the time to learn about the whys and what to do to improve your chances.

Sometimes this step in itself is enough to get your application approved. Your persistence and willingness to talk to the loan officer has won him over to your side and your application is approved.

If this still doesn’t work you can try finding a more senior loan officer within the bank. Many times junior loan officers are not allowed to give out loans to those with bad credit no matter the situation, and you will want to talk with a more senior loan officer who will have more latitude in working with you. If no one at the bank is interested in helping you after you’ve been denied, then it is finally time for you to head off to another bank.