Monday, July 29, 2013
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Saturday, June 8, 2013
Tuesday, March 5, 2013
55+ Communities: The Difference Between Nursing Homes, Continuing Care Retirement And Active Living
If you're approaching retirement age, you might be wondering about the difference between the types of housing options for seniors. From continuing care to 55+ communities, there are a number of options to help seniors, no matter what they're looking for. Living in one of these places can provide seniors with a variety of activities to keep them busy, but how do you know which is right for you?
55+ Communities
These are specially planned areas with seniors in mind. They're typically in warmer weather climates and offer amenities like fitness centers with pools, spas, tennis courts, bocce courts, golf courses, meeting rooms, ball rooms, arts and crafts centers, dancing lessons, on-site restaurants and more. Residents can choose to live in their own home or apartment and many offer gated security that's available 24 hours a day, seven days a week. Although these 55+ communities are for people as they live out their retirement years, they are not retirement homes. They do not have nursing staff or other medical personnel on site and are not intended for residents with serious medical conditions that require constant care.
55+ Communities: The Difference Between Nursing Homes, Continuing Care Retirement And Active Living
55+ communities have age requirements that must be met before residents can move in. Consideration is made if one member of a couple is over 55, however many have restrictions on the length of time guests under 55 can stay in the community. This sometimes mean that other family members need to stay in a hotel for an extended visit, so check on these restrictions before buying a home if you expect to have long-term out of town guests.
Some 55+ communities that offer active living lifestyles offer special weekend getaways for people who are thinking of moving to the area. If you're interested in trying out the active living lifestyle before committing yourself to buying a home and moving in full-time, consider one of these weekends. This will let you try out a number of 55+ communities to make sure you've found the one that's right for you.
Nursing Homes
Nursing homes provide round the clock care to residents. They're ideal for people who need continuous care like physical, occupational or other therapies. Nurses and other staff will help residents bathe, get dressed, eat and more. Once someone goes to live in a nursing home, they often stay there for the rest of their life, although some residents can be rehabilitated to the point where they no longer require long-term professional care.
Continuing Care Retirement Communities
A continuing care retirement community blends aspects of active living with the care available at a nursing home. They're the ideal situation for seniors who require daily assistance, yet do not need the constant, round the clock care of a nursing home. Seniors can live independently, yet move into assisted living as it's necessary. These typically don't offer as many amenities as 55+ communities.
Choosing where to live after retirement can be a big decision. Many seniors have active living lifestyles before retirement, and want to continue this lifestyle afterwards. Knowing the difference between these types of housing options can help you make a knowledgeable decision on the one that best fits your needs.
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Chris Harmen writes for Solivita, a community that offers Florida active living. 55+ communities like Solivita offer a number of amenities such as private golf courses, luxury fitness centers and more.
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Monday, February 25, 2013
Guide To Free (Or Cheap) Building Materials
Do you need a backyard storage shed, but feel you cannot afford the high cost of building materials? Have you ever contemplated building a summer cabin or perhaps a house but the cost of materials is prohibitive? These projects may seem like something you would just as soon leave to the hired professionals, especially for us carpentry challenged folks, but what if you just want materials for a planter to showcase your special flowers or a new home for "Fido"? I am about to make a bold proclamation by stating that you can get the materials you need for FREE! Yes, you heard it right...FREE! "How," you ask, "might this be possible?" Listen closely my friends, and I will show you how to do just that.
Before we begin, I should let you in on the only two things you will need to accomplish this seemingly impossible task of finding free materials...patience, and flexibility. The reasoning behind these two very important attributes shall become clear as we move along.
The first step is to decide what materials you need for your project, and also some alternatives that will work if necessary. This is where the flexibility comes in. You may not get the "exact" materials you need, but some alternatives are just as good. Suppose you are building a deck on the summer cabin. If you are vying for a position in the "Lifestyles of the Rich and Famous" you probably wouldn't read this far into this article, so I am guessing that functionality and price considerations are more important than beautiful craftsmanship. I would suggest using pallets as a starting point. They are sturdy, easy to assemble, and readily available. Plus they can be covered later for a more aesthetic appearance. We built a porch on our cabin using pallets that we covered with decking material that we later found. Check lumberyards, electrical/plumbing supply outlets, door and window shops, just about any place that receives large shipments of merchandise. These places are easily identified by the monstrous stacks of pallets in the alley or behind the building, and most places will give you as many as you want. Electric companies are also good sources for the large wire spools that make excellent patio tables, birdbath stands, and any other use you might imagine.
Guide To Free (Or Cheap) Building Materials
Always be on the lookout for neighbors and others that are doing their own remodeling projects. They often have discarded materials and are happy to give them away rather than having them hauled off at their expense. For our cabin, we asked a home remodeler for unwanted materials and that's where we acquired the doors, windows, roof sheathing, stove pipe, screws, nails, among other things.
Many times you might find elderly residents who would love to have their yard cleared of years worth of accumulated stuff, but they are incapable of doing the job themselves and not financially able to hire someone to do it for them. Make a deal to clean their yard in exchange for the materials.
Local lumber mills have mountains of byproduct that is unusable for their purposes but perfect for many homeowner projects. Check with the office for availability and restrictions.
Old discarded tires are strewn all over the countryside, but may just turn into a beautiful landscape piece for the artistic homeowner, or filled with cement to become shed supports. Automobile junkyards may offer useable materials for the visionary builder...use your imagination. Pickup bench seats can be conformed into unusual but classic breakfast niche booth seats.
You will most assuredly have more success in your quest for free materials if you become a Classified Ad reader. Read them every day. Look for anything that says "free" but be sure to call early because these things go fast. There is a gold mine waiting to be had for the asking. Many times you might find free items just because you are willing to haul them away. If you are really energetic, you may find an ad for a house to be torn down in exchange for the materials. Here is a great source for lumber, bricks and blocks, trusses, windows, doors, plumbing fixtures, and the list goes on.
New construction sites offer a plethora of material gathering options. Many times there will be a huge dumpster on site for material discards that may be just the thing you are looking for. You may find dimension lumber, insulation, electrical wiring, PVC pipe, etc. Please be sure to check with the construction foreman before taking these materials.
If you happen to need "like new" building materials without the exorbitant cost, check your surrounding communities for a salvage lumberyard. These establishments offer "scratch and dent" or otherwise rejected building materials at substantial discounts.
As you can see, there are endless possibilities when it comes to recycling "pre-owned" building materials, but a better price cannot be found. Forethought must be applied and sometimes you must patiently wait for the perfect opportunity, but the end result will be well worth the effort. Just keep your eyes open and don't be afraid to think outside the box.
Guide To Free (Or Cheap) Building Materials Check For The New Release in Health, Fitness & Dieting Category of Books NOW!
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To find more resources for "almost free" stuff including furniture and decorating on a budget Click Here
Ferrel Kenda is an Internet author and specializes in affiliate marketing and promotion.
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Sunday, February 17, 2013
Inexpensive Kids Birthday Party Locations
While throwing your child a birthday party is high on any parents list, most people don't want to spend a fortune for the celebration. Depending on the time of year and your budget, there are some great options for the location of the party (other than your home).
If you do decide to throw a party outside your home, be sure to include your child in the location decision. If the child is young, you may want to bring them to the location prior to the party so that they can get comfortable and excited about the upcoming event. Most kids look forwarding to opening their presents at the end of their party. So whatever option you choose, make sure you set aside a special place where all the party goers can place the birthday gifts.
1. Town Park Shelter. Many local communities offer rental shelters at the parks where they have picnic tables, grills and play equipment for the kids. The older children can go play while the adults hang out. The food doesn't have to be gourmet, instead keep it simple and easy like barbecuing hot dogs or burgers or a couple baked lasagnas with salad. Follow up with a fun birthday cake from your local warehouse club, grocery store or your own kitchen.
Inexpensive Kids Birthday Party Locations
2. Fast Food Restaurant. Both McDonald's and Hardees offer kids parties that include a party hostess, food and cake at reasonable prices. The other great thing about these restaurants is that many have Playlands or plastic ball pits so that the kids can be entertained while the adults chit-chat and relax a bit.
3. Children's or Science Museum. If you have a larger budget, a local science or children's museum can be a great place to hold a birthday party. Some places have party hostesses and provide some supplies, so just check what they provide in your city. You may only need to bring a birthday cake and presents.
4. Movie Theater. Many towns have inexpensive or dollar show theaters that will rent out the entire theater or give you big group discount as well as discounts on snacks and soda. Some theaters will let you bring in some of your own snacks and a cake so just check and see what can be done at your local theater by speaking with the manager.
5. Neighborhood Club House. If you live in a planned community, chances are that you have a club house in your neighborhood or apartment complex. Often these rooms are either free or can be rented for a nominal fee by residents. The club house would likely give you more room than your home, but it would still be close enough that you could set up the birthday party relatively easily. Not to mention, you don't have to clean your house!
6. Local Fire Department. Often times, local fire departments have rooms that they will allow local residents utilize for free or for a nominal fee. Some fire departments will even give the children of a private birthday party a tour of the department and let them try on some of the firefighters' gear and get their photos taken. These pictures make great keepsake gifts for all the children.
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Can't make the birthday party or need a unique birthday gift this year? All About Gifts & Baskets has a huge selection of Kids Birthday Gift Baskets for any age. From candy to cookies, chocolate to books, let us take care of all your gift basket needs. Shop online and ship direct to the birthday boy or girl.
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Saturday, February 9, 2013
What Font Should You Use For Your Book?
One of the most common questions asked by would-be self-publishers who are intent on designing and typesetting their book themselves is, "What font should I use?"
I'm always relieved when somebody asks the question. At least, it means they're not just blindly going to use the ubiquitous default fonts found in most word processing programs.
However, there is almost no way to answer the question. It's like asking, "What's the best car model for commuting to work everyday?"
What Font Should You Use For Your Book?
You'll get a different answer from almost everyone you ask. And they might all be correct.
I am willing to offer one hard-and-fast rule, however: don't use Times New Roman or Times Roman. That will brand your book as the work of an amateur at first glance. And there are other, very practical, reasons for not using it. Times Roman and Times New Roman were designed for the narrow columns of newspapers, originally for the London Times back in the 1930s. Today, almost no newspapers still use it. How, or why, it became a word processing standard, I have no idea. The font tends to set very tight, making the text block on the page dense and dark.
Here are two caveats before proceeding to few recommendations:
The typeface you choose may depend on how your book will be printed. If you look closely at most serif fonts (like Times), you will notice that there are thick and thin portions of each letter. If your book will be printed digitally, you should steer away from fonts with segments that are very thin. They tend to become too faint and affect readability.
Don't get carried away with the thousands of font choices available. Most are specialty fonts suitable for titles, headlines, advertising, emotional impact, etc. And never use more than a very few fonts in a single book -- we usually choose one serif font for the main text body, a sans serif for chapter titles and headings within the chapters. Depending on the book, we may select a third font for captions on photos, graphics, tables, etc. (or maybe just a different size, weight, or style of one of the other two). We may select a specialty font for use on the front cover for the title and subtitle.
For 90% of books, any of the following fonts are excellent choices:
Palatino Linotype
Book Antiqua (tends to set tight, so you may have to loosen it up a bit)
Georgia
Goudy Old Style
Adobe Garamond Pro (tends to have a short x-height, so it might seem too small in typical sizes)
Bookman (the name sort of gives it away, doesn't it?)
Century Schoolbook (tends to be a bit wide, creating extra pages)
You need to look at several paragraphs of each font to see what, if any, adjustments you may find necessary in things like character spacing and kerning. You want to avoid little confusions, like:
"vv" (double v) that looks like the letter "w"
"cl" (c l) that looks like the letter "d"
Such things can make the reading experience annoying.
If you ask other designers, you will likely get other suggestions, but I wouldn't be surprised to see at least some of the above included in their recommendations.
You may run across some books with more unusual font choices, but there are often good reasons for it. Maybe the book is a humor book for which the designer chose a lighthearted font, for example. Such decisions should be made with care and thoughtful consideration for the effects on readability.
Never decide on your font or font size based only on viewing how it looks on your monitor. Most trade paperback books are printed in 10 or 11 point size, but some fonts require larger - or even smaller - sizes. If 12 points looks too big and 11 too small, you can try 11.5 - no need to stick with integer sizes. You might be surprised how much difference a half-point (or even a quarter-point) can make on the overall "feel" of the page.
You also have to decide on appropriate leading (pronounced like the metal), which is the distance from the baseline of one line of text to the baseline for the next line, measured in points. The result is usually expressed as a ratio of the font size in points to the selected leading in points. So, you might say you have set the body text in Georgia 11/14 or Bookman 10/12.5 (11-point size with 14 points leading and 10-point size with 12.5 points leading, respectively).
Word processing programs tend to work in decimal inches, forcing you to convert leading from points into inches. A standard point is equal to 0.0138 inches. Professional typesetting/layout programs (like Adobe InDesign) allow you to use points and picas to define all type measurements and settings. although you can also specify those settings in various other units (including inches).
Typically, book designers will develop more than one design for each book's interior, using different fonts, sizes, and leadings. They should typeset a few pages of the actual manuscript and print them out with the same page settings they plan to use in the final book (e.g., 6" x 9" pages). This allows the client to compare them side-by-side and evaluate them for readability and overall look.
And don't forget your target audience. Very young readers and very old readers do better with larger type. Books that are very textually dense with long paragraphs frequently need more leading and a wider font.
Ultimately, you have to choose based on what your gut reaction is to the typeset samples. It never hurts to ask other people to read it and tell you if one option is easier to read than another.
If you want to gain an appreciation for typography and how to make appropriate design decisions, I recommend the following excellent books:
The Complete Manual of Typography by James Felici
The Elements of Typographic Style by Robert Bringhurst
Book Design and Production by Pete Masterson
For those who insist on using Microsoft Word to typeset books, you really should buy and study Perfect Pages by Aaron Shepard. He is the reigning guru of how to do it.
It is far better to buy professional layout software and then learn all you can about typography and how to apply those principles to book design...or to hire a professional to do for you. The latter course will leave you more time to develop a dynamic marketing plan for your latest book and start writing your next one!
What Font Should You Use For Your Book? Check For The New Release in Health, Fitness & Dieting Category of Books NOW!
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Walt Shiel is the Managing Partner and Publishing Mentor at Five Rainbows Services for Authors & Publishers, a subsidiary of Slipdown Mountain Publications where he serves as Publisher. Besides offering a full range of affordable publishing solutions, Five Rainbows can tailor a mentoring program to help you achieve your specific goals for your book! And be sure to check out Walt's View From the Publishing Trenches blog.
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Wednesday, February 6, 2013
Chowder Soups - What Makes A Chowder, A Chowder?
Chowder Soups have been around for ages. But how did they get started and why are they so popular? Read on for a little chowder soup history... you'll have a mouth-watering experience, I guarantee it!
Chowder is typically a rich, creamy soup that is chock full of all kinds of ingredients that make it similar to a stew. The ingredients usually include seafood, vegetables and cream. However, over time, the basic seafood chowder has evolved to include all kinds of different flavors and textures.
Traditionally made chowder has a base of bacon and is thickened up with crackers that have been broken into the base. Today, there are all kinds of variations using everything from seafood and poultry, to just using vegetables - a good example is corn chowder.
Chowder Soups - What Makes A Chowder, A Chowder?
Famous chowders are found here in the United States. And THE MOST famous one would be Clam Chowder! There are two styles of clam chowder. One is called New England style clam chowder and uses a base of cream. The other popular version of clam chowder is called Manhattan style clam chowder and it uses a base of pureed tomatoes. Both are very delicious and each has a hearty and warm flavor that pleases most palates.
In earlier days, the seafaring communities developed slightly different flavors of chowders. The local fishermen would throw samples of their catches into a large cauldron or pot and boil the chunks of fish with all kinds of vegetables and potatoes. France calls this chowder soup "Chaudiere" - which is the name of the pot it is cooked in. The French also liked to throw in smashed crackers and biscuits to make the soup thicken into a stew-like consistency.
Americans adopted this seafood stew from the French settlers in the Northern colonies. "Chaudiere" eventually became "Chowder" to Americans and the first known and written recipe used that name for it's header in 1751. History tells us, however, that the recipe was extremely popular long before this so-called first written recipe. A good example is the British. They made their form of the seafood stew for many years before it became popular in the United States.
The early American Chowder soups included onions, bacon, fish, all kinds of spices, crackers or biscuits, claret and water and are often mistaken for bisque soups. But there is a difference between chowders and bisques. But that's a whole different story. You can find out more about Bisque Soups at the Soup Hoopla website - just follow the link below.
In the 1800's American cooks started to make the transition to using clams in their recipes - mostly because of the abundance of shell fish found in the New Colonies. Cooks began experimenting and adding cream to the chowders. They then began to differentiate different and unique types of chowder based on the ingredients used. Thus, other types of chowders appeared such as the above mentioned Corn Chowder or Sausage Bean Chowder or Beef Chowder.
Therefore, Chowder doesn't always have to include seafood. It's believed that all kinds of vegetable or meat chowders came into existence because the cook was just using up whatever ingredients he or she had lying around the kitchen.
By now you know that chowder comes in many flavors and is generally loved by all. You can try some of the recipes I have listed at my Soup Hoopla Web site and in addition to that, I have great instructions for making a basic chowder.
When you eat chowder, you are partaking in a little bit history too. Enjoy it and reflect on the abundance this country has to offer us.
Chowder Soups - What Makes A Chowder, A Chowder? Check For The New Release in Health, Fitness & Dieting Category of Books NOW!
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Sara Gray is an avid lover of appetizers (and anything really to do with food!) and has created a couple of fun and informative websites. Easy Appetizer Recipes is where you can find delicious ideas for all kinds of hot and cold appetizers, raclette grilling, tapas small plates, snacks, chips and dip ideas, and holiday appetizers. And Soup Hoopla! has everything you ever wanted to know about soups, chowders, and stews - and of course, fabulous recipes too.
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Sunday, February 3, 2013
Differences Between Nursing Homes, Assisted Living & Continuing Care Retirement Communities
Benjamin Franklin said it best - “nothing in life is certain except death and taxes” but with daily advancements in science, technology and health care, Americans are living longer than ever before*. This blessing however, has created a unique dilemma for modern American families: How to plan for and prepare for one's retirement years.
Have you taken a road-trip lately? Almost every highway is graced with large bill-boards providing the locations of new planned communities where couples can spend their retirement years dedicated to recreational pursuits. I doubt you will find a local newspaper that doesn’t have at least one ad promoting the amenities found at a local assisted living facility. Try to search for “nursing homes in Virginia” on the Internet and thousands of web pages will appear. Each and every day new facilities offering different programs are being built and marketed across the state.
Is such a facility right for you and your family? If so, which facility? We often hear the terms “retirement community,” “nursing home,” and “assisted living facility” but rarely consider what these terms actually mean. The differences however, are striking and it is imperative to understand these differences when making choices for yourself or your loved ones.
Differences Between Nursing Homes, Assisted Living & Continuing Care Retirement Communities
NURSING HOMES
In Virginia, a nursing home means any facility with the primary function of providing long-term nursing care, nursing services and health-related services on a continuing basis, for the treatment and inpatient care of two or more non-related individuals**. Put simply, a nursing home is a facility designed for someone who needs less care than a hospital, but requires daily health care assistance.
The Virginia Department of Health licenses such facilities and has established guidelines regulating various aspects of their operations, programs, and staffing needs, etc***. For example, a nursing home must: (a) have written policies and procedures regarding the treatment of residents and the management of resident care which are available to residents and their families (12VAC5-360-20); (b) provide emergency medical services within 15 minutes, under normal conditions (12VAC5-360-50); (c) be subject to unannounced on-site inspections of the nursing facility by State employees (12VAC5-371-60); (d) have a written agreement with one or more physicians licensed by the Virginia Board of Medicine to serve as medical director (12VAC5-371-230); and (e) each resident shall be under the care of a physician licensed by the Virginia Board of Medicine (12VAC5-371-240).
In addition, residents of nursing homes are also given certain rights as defined by Virginia Code §32.1-138. See http://leg1.state.va.us/cgi-bin/legp504.exe?000+cod+32.1-138. Nursing homes are the most regulated and structured residential options for our Seniors requiring some level of daily health care. If the facility provides care through Medicare and Medicaid programs, it is deemed a "Certified nursing facility" (Virginia Code §32.1-123; Virginia Code §32.1-127) and must be in compliance with both federal and state laws.
Of course, the more rules and regulations that define and control the daily operations of a nursing home, the greater the responsibility of the staff. These are the people who will be charged with the daily task of caring for your loved one, and making sure they are in compliance with state and federal laws. No matter how nice and or attractive the facility might be, the staff will make the difference between your loved one being cared for and encouraged, or not.
A nursing home is best suited for someone:
Who requires daily health care – such as assistance getting in and out of bed; taking medicine; or using the restroom. Who may have dementia or Alzheimer’s and as a result, is unable to eat and or bathe daily without reminder or assistance; Who is recovering from a fall or accident and is therefore unable to walk, dress and or eat without assistance
ASSISTED LIVING FACILITY
“Assisted living facility” means an adult care residence which has been licensed by the Virginia Department of Social Services to provide a level of service for adults who may have physical or mental impairments and require at least moderate assistance with the activities of daily living. Within assisted living, there are two types: regular assisted living for those seniors (typically) who need assistance with one or more daily activity; and intensive assisted living for someone who may be incapable of performing activities due to mental and/or severe physical impairment (12VAC30-120-450).
The Virginia Department of Social Services licenses assisted living facilities but does not regulate in the way the Department of Health regulates nursing homes. While there are Virginia guidelines regulating aspects of assisted living facilities, they are limited: An assisted living facility must: (a) provide or coordinate personal and health care services; and (b) provide 24-hour supervision.
As reflected in the table below, assisted living facilities have no obligation to provide health care and/or have health care staff available to assist your loved one. In addition, with no obligation to provide such services, there is the question as to whether or not they owe a duty to warn or treat residents with illnesses or diseases that could be transmitted from other residents.
While a nursing home will have many nurses on staff and doctors hired to monitor the residents, assisted living is more analogous to an apartment building or college dorm where laundry and food services are provided and residents are on their own for the rest of the day.
An assisted living Facility is best suited for someone:
Who is basically independent but may not be able or willing to prepare their own food or drive to doctors’ appointments; Someone who wants to scale back and anticipates needing assistance with laundry, cooking, etc. in the near future. A couple where one spouse is independent but may need assistance in feeding and or providing for needs of other spouse.
CONTINUING CARE RETIREMENT COMMUNITY
In Virginia you may also see advertisements for a retirement community. They are popping up all around our favorite College Towns and Tourist destinations.
A Continuing Care Retirement Community provides care depending on your current needs. Like an insurance policy, the resident pays an entrance fee and periodic adjustable payments, which in turn gives the resident a package of residential and healthcare services that the CCRC is obligated to provide at the time these residential and health care services are required. For example, if upon entering, all you want is help with your meals, that is the only service which will be provided. If you require intensive physical therapy or God forbid, daily assistance for a Dementia patient, the CCRC has assisted living services or nursing home services available under your contract. Continuing care contracts are regulated by the Virginia Bureau of Insurance of the Virginia State Corporation Commission.
Many CCRCs can have nursing home services available either on-site, or at licensed facilities off-site (12VAC5-360-10). While you may be entering the Retirement Community as a very healthy independent and capable resident, as your needs change, so will your contract with the Community and in turn, the facility’s obligations to you.
A Continuing Care Retirement Community Facility is best suited for someone:
Who is basically independent but anticipates the need for daily health care for themselves or a spouse in the near future; Someone who is physically disabled and would be unable to care for themselves or a spouse if the disability grew worse. With at least three very different choices, it is very important to do your research:
To research assisted living facilities in Virginia, go to Department of Social Services website: http://www.dss.state.va.us/facility/search/alf.cgi.
To research nursing homes, go to Medicare’s website: http://www.medicare.gov
AND LAST BUT NOT LEAST
It is always best to speak to a family member of a current resident and spend time getting to know the staff, no matter what type of facility you are looking into. If looking and researching is not enough, then consider the chart below – a comparison of the legal duties of a nursing home compared to the legal duties of an assisted living facility in Virginia.
DUTY or REQUIREMENT
NURSING HOME
ASSISTED LIVING
Duty to provide nursing care and or monitor resident’s health?
YES
NO
Doctor required to supervise residents?
YES
NO
Each resident shall be under the care of a physician licensed by the Virginia Board of Medicine?
YES
NO
Must have nurses on staff?
YES
NO
Must offer rehabilitative services?
YES
NO
Must have ongoing consultation from a registered dietitian or dietitian on staff?
YES
NO
24 Hour Supervision required?
YES
YES
Must develop a written plan upon admission of resident?
YES
YES
Staff must undergo criminal background check?
YES
YES
Monitored by Virginia Center for Quality Health Care Services and Consumer Protection
YES
NO
Monitored by Department of Social Services
NO
YES
*Life expectancy increased dramatically during the past century, from 47 years for Americans born in 1900 to 77 years for those born in 2001. These same factors—improved medical care and prevention efforts— that are partly responsible for the dramatic increases in life expectancy have also produced a major shift in the leading causes of death in the United States in the past century, from infectious diseases and acute illnesses to chronic diseases and degenerative illnesses.” The State of Aging and Health in America 2004, published by the Center for Disease Control, available at http://www.cdc.gov/aging/pdf/State_of_Aging_and_Health_in_America_2004.pdf.
**See generally, Virginia Code §32.1-123, as amended and Virginia Administrative Code § 12VAC5-360-10.
***It is a Felony under Virginia law to operate a nursing facility without a license. See generally, 12VAC5-371-30.
Differences Between Nursing Homes, Assisted Living & Continuing Care Retirement Communities Check For The New Release in Health, Fitness & Dieting Category of Books NOW!
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Lauren Ellerman is an attorney with Frith Law Firm in Roanoke, Virginia. She concentrates her practice on medical malpractice, nursing home abuse, nursing home neglect, lead paint poisoning, and business torts. You may view her complete profile at [http://www.frithlawfirm.com/lauren.htm] and the firm’s home page at http://www.frithlawfirm.com
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Tuesday, January 29, 2013
Facts about the Holocaust
The Holocaust began with Hitler's rise to power in January of 1933 and ended on VE Day (May 8, 1945). During this time, more than 6 million Jews and millions of other groups that caught the negative attention of Nazi Germany. While all the murders were devastating to native populations, none were so devastating than that of the Jews. During this period, 5,000 Jewish communities were wiped out and the total that died represented 1/3 of all Jewish people alive at that time.
Due to a series of events, Hitler assumed dictatorial powers in March 23, 1933 when the Enabling Act was passed. With total power available to him, he quickly developed a sophisticated police and military force and used them to squelch anyone who criticized his authority. From this authority stemmed the first concentation camp, Dachau, just outside of Munich which started as a political prison camp but evolved over time into a full scale Nazi concentration camp to exterminate Jews and others.
By the end of 1934, Hiter's campaign against the Jews was in full force. The Nazis weere claiming them to be mongrels who were corrupting the pure German race and persecutions of the Jewish grew in strength. Those who could, fled Germany to other European countries which gave them safety for a while.
Facts about the Holocaust
The next major event that led towards the widescale destruction of the Jews was the Meeting in July of 1938 where representatives of 32 countries met in the French town of Evian to discuss the refugee problems created by the Nazis - but since no conclusive action was taken, Hitler took that as defacto notice that no one would act against him while he worked to purge the Jews from his territories.
Germany started World War II with the invasion of Poland in September of 1939 and in 1940 established Jewish ghettos in Poland where they could be isolated from the rest of society and kept an eye on. Conditions in the ghettos were deplorable - not enough food, water, space, sanitation facilities, etc., and many died from the horrid conditions.
In June 1941, Germany attacked the Soviet Union and began the implementation of the Final Solution - the beginnings of the systemized destruction of the undesirables. At first they were just gathered up, shot and thrown into mass open graves. It is estimated that over 1 million people died in this manner. But it wasn't efficient enough so more and more death camps sprang up.
From this point, the Germans worked on more and more efficient ways to liquidate the undesirables by bringing them to death camps to systematically kill them and recycle any valuables for the war effort. And in this instance, a valuable was a healthy person - so the Germans would work the prisoners until they had no more energy to produce and then kill them. In effect, that had millions of slaves being forced to work to death to help the Germans in their war efforts.
This atrocity continued to the end of the war - with liberation not happening until July 1944 and later. In July 1944, the Soviet Union liberatated Maidanek concentration camp and then in January 1945 - Auschwitz concentration camp and so on until Nazi Germany was totally defeated and all peoples were freed.
All told, there were only about 200,000 Jewish survivors by the end of the liberation and the death counts from the holocaust were estimated to be around 6 million Jews and millions of other people who did not fit the Aryan mold.
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The Historical Archive offers a large, robust library of DVD and CD based products covering a wide range of significant and interesting historical events and cultural moments through film, photos, audios, maps and other documents. This growing collection of DVDs and CDs covers the full range of significant events that have shaped our culture, entertainment values and history.
For more details on concentration camps, visit the NAZI Concentration Camps, Holocaust Camps & Death Camps Film Collection
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Friday, January 25, 2013
TOP TEN Pound 4 Pound Best Boxer Ever
Before we start our list, I wanted to take some time to comment on 2 fighters that may have strong support in certain communities for being among the best ever, but truly do not have a place on the list.
NOT RANKED
Rocky Marciano - Won 49 Lost 0, 43 KO
TOP TEN Pound 4 Pound Best Boxer Ever
Ask any Italian who the greatest boxer ever was, and you will never hear the names Ali, Louis or Sugar. Nope. You will only hear the name Rocky Marciano, the only heavyweight champion to retire undefeated. To his credit, Rocky Marciano did make a habit of beating up his opponents in the ring. Add the fact that his most notable victory was over his childhood idle, Joe Louis, whom he sent back into retirement. But Joe was well past his prime. He also beat Archie Moore, but he also was already in his early forties. So to the entire nation of Italy and her children I say to you, Rocky Marciano could not beat any of the champions in my Top T.E.N.
Lennox Lewis - 41 wins, 2 losses, 1 draw, 32 KO
Lewis will most likely go down as one of the most intelligent, calculated champions ever. But that is not what pound for pound is based on. Lennox was able to capitalize on Tyson's jail term to reign as champion, then got out before the Klitchko brothers could undo the legacy he has manufactured for himself. He stayed an extra 4 years as an amateur to win a gold metal against younger opponents (Riddick Bowe for the medal bout). He then became champion only because Bowe gave up the title. He backed out of Tyson's way (accepting a huge multi-million dollar payoff from Don King as payment for Tyson taking his ranking) as he was climbing back up to regain the championship that was handed to him. I believe that history will judge him for the fake that he truly is.
And now, to the top ten best pound for pound boxers:
10 - Mike Tyson - 50 wins, 5 losses, 2 no contests, 44 KO
No other fighter has been called "the baddest man on the planet". Mike Tyson was perhaps the most feared person in boxing history. Up until Buster Douglas embarrassed Iron Mike, Mike Tyson made fighters give up. Going up through the amateur ranks, boxers actually lost on purpose so as to not fight Tyson in tournaments. How ironic that Tyson's worst defeat was not to a boxer, but to a beauty pageant contestant named Desiree Washington. There is a great chance that had Tyson not suffered a 3-year setback, he would have easily moved up and be universally recognized as one of the best ever.
9 - (Big) George Foreman - Won 76 lost 5, 68 KO
Foreman's biggest enemy opponent has always been himself. He could not accept defeat. After making his name as one of the most dominant fighter ever, his loss to Ali took him out of professional boxing for over a year. He made his first comeback attempt in 1977, knocking out his next 5 opponents (including Frazier, again), only to retire after losing a 12 round decision. A decade later, Foreman made an improbable comeback at the age of 38. Foreman made it again near the top of the boxing rankings, and despite suffering setbacks against Holyfield and Tommy Morrison, Foreman shocked the world when he stunned Michael Moore with a knock out in the 10th round. His next few bouts further proved that even unto his late 40th, Foreman was still a formidable force.
8 - (Sugar) Ray Leonard - 36 Wins, 3 Loss, 1 Draw, 25 KO
Leonard has to be on this list if only for the pure psychology he was able to inflict on his opponents. Only Ali could get into his opponents head more. Add to that all the titles his has own, in multiple weight divisions, and you have your number 8 all time. Like most great fighters, he just did not know when to quit, so you will have to ignore the last few fights of his career. Sugar Ray beat them all, from Duran (No Mas, No Mas), to Hagler, then Hearns, Sugar Ray's stock only dropped because of his own issues. He first retired due to a detached retina, and it can be argued that a serious cocaine habit between 84 and 89 further damaged his career.
7 - (Marvelous) Marvin Hagler - 62 Wins, 3 Losses, 2 Draws, 52 KO
Yes, we have the Marvelous one ahead of Leonard, even though Leonard beat Hagler in their one encounter. Hagler was so distraught by that loss that he left before, and even refuses to talk about that fight today. Hagler's only 2 losses were early on in his career, and he responded to them by beating both fighters. He would have continued to dominate the middleweight division had he not suffered the mentally debilitating loss to Leonard. While Hopkins has been middleweight champion longer, with more title defenses, it can be argued that he never faced opponents the caliber of Duran and Hearns, both of whom Hagler defeated.
6 - Archie Moore - 181 wins, 24 losses, 9 draws and 1 no contest, 145 KO
Looking at the record, it is easy to see why the "Old Mongoose" or "Ancient Archie" has made it to the list. Archie's career spanned over 4 decades, and it the only fighter to have faced by Rocky Marciano and Muhammed Ali. Archie was a better Light Heavyweight than he was a pure Heavyweight. He had his light heavyweight title stripped from him twice because he was too busy fighting at a higher weight class. No other fighter has knocked out as many professional opponents as Archie.
5 - Roy Jones Jr - 49 wins, 3 losses, 38 KO
This particular selection is highly debatable, and may end with Roy's removal from the list completely. While there is no denying his talent, there is question as to if his showmanship and opponent section unfairly propelled him into his status. Winning a championship fight after playing paid basketball the same day was previously unheard of. As was becoming a champion at middleweight all the way up to heavyweight. Before his last two fights, Jones' only defeat was a bogus call after he was disqualified against Montell Griffin, which he quickly avenged. Jones has at least warranted due considering, and an initial entry to the list.
4 - Joe (Brown Bomber) Louis - Won 68 Lost 3, 54 KO
While there seems to be some dispute over whether 5 of his victories by KO were exhibition matches or not, there is a consensus not take seriously 2 of his 3 losses in failed comeback attempts. The last, and most humiliating defeat was an 8th round KO through the ropes by Rocky Marciano. The Brown Bomber was so much in debt, that he tried to come back well past his prime. The fact that so much cultural identify was thrust upon his shoulders, made Joe Louis not only one of the greatest pure fighters, but a true icon for America's 2nd class citizens. Joe will be best known for his 1st round KO over Germany's Max Schmeling in 1938. Schmeling beat the favored Louis in 12 years only a few years earlier. Even when Joe won the Heavyweight title by knockout, he refused to be called champion until he settled the score with Schmeling. It is this attitude that made him a national hero despite his color.
3 - Julio Cesar Chavez - Won 104 Lost 5, 2 draws, 80 KO
Julio is a Mexican world champion boxer who won world titles in 3 different divisions. Among the world champions that Chávez defeated in his career are Edwin Rosario, Jose Luis Ramirez, Rocky Lockridge, Meldrick Taylor, Roger Mayweather, Sammy Fuentes, Héctor "Macho" Camacho, Juan Laporte, and Tony López. Chavez went 13 years before not winning a fight, with a draw to Pernell Whitaker, and it was another year later before he suffered his first defeat which was avenged 4 months later. Only in his last 8 years of his 24 year career did Chavez acount for 4 of his 5 losses to 3 different oppenents. He was able to avenge his lose to Willey Wise, but failed in second attempt to Oscar De La Hoya.
2 - Muhammed (Louisville Lip) Ali - won 56 Lost 5, 37 KO
In my book, Ali will also go down as one of the greatest human beings of all time. As purely a boxer, only a "what could have been" during his 3 year lay off after refusing to go to Vietnam prevents him from being the best ever. He came back after 3 years to lose his first of three asking Joe Frazier. Both were undefeated at the time. The same happened with Ken Norton. In both cases, Ali came back to whup them in the next 2 fights. Although the two became friends later on, Ali is also credited with knocking Foreman out in the ring, out of boxing, and onto the pulpit. Leon Spinks got Ali during his declining years, but Ali still come back to beat him in 1979. What happened to Ali in the next two fights against Holmes and Berbick is eerily similar to what is happening now with Roy Jones Jr. In neither case, should those 2 fights be included into what was an otherwise spectacular career.
1 - (Sugar) Ray Robinson 179 wins, 19 losses, 6 draws, 2 no contests, 109 KO
While many fighters have held that nickname over the years, none have been as sweet as Ray Robinson, whose real name was actually Walker Smith Jr. Robinson won the middleweight title an unprecedented 5 times. Even Muhammed Ali referred to Sugar Ray as the greatest fighter ever (it is rumoured that Robinson actually refused to give Ali an autograph when Ali met him while Ali was still young, and Clay). Unlike Moore, the majority of Robinson's losses came at the end of his career.
Honorable Mention
Floyd Mayweather Jr - 32 Wins, 0 Losses, 21 Knockouts
Now regarded (arguably) as the best active pound for pound boxer
Roberto Duran - 103 Wins, 16 Loss, 69 Knockouts
He will forever by scarred by his 8th round quit job on Sugar Ray Leonard.
Evander (Real Deal) Holyfield - 38 Wins, 7 Losses, 2 Draw, 25 KO
Was undisputed cruiserweight and heavyweight champion of the world. He also was the man that destroyed the aura that was Mike Tyson. He will have his place in boxing history, but not as one of the greatest ever.
(Smokin') Joe Frazier - 32 wins, 4 losses, 1 draw, 27 KO
Also one of the most feared fighters ever, but 2 losses to Ali and Foreman will keep him off this list.
Thomas Hearns - 59 wins 4 Loss 1 Draw, 46 KO
AKA "the Hit Man" and "the Motor City Cobra", Hearns won seven world championships in six weight classes during his 22 year pro career. But losses to Leonard (his first ever) and Hagler will keep him off the list.
Bernard Hopkins - 45 wins, 2 losses, 1 draw, 1 NC, 32 KO
More so than Hagler, Hopkins had a slow start to his career. When he finally won the belt, he has defended against the best of the 90's and 2000. He may end up considered in the 10 top yet.
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Gary Whittaker is the editor of T.E.N Magazine. You can visit the site at [http://www.tenwebzine.com]. You will be able to find more great articles on sports, politics or other subjects, so check it out!
editor@tenwebzine.com
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Tuesday, January 22, 2013
How to Start A House Cleaning Business In 7 Simple Steps
One of the main reasons people start businesses is to make money. For some it's a blessing to make money doing something they love. I'm not saying that you have to love house cleaning in order to have a successful house cleaning business; however it would be a good idea if you didn't hate it.
How much money you make depends on how big you want your business to be. It could be a one person operation where you set up at home and service areas close to home, or you could set up a commercial office and hire people to work for you.
Here are 7 simple steps to get you started on your own house cleaning business.
How to Start A House Cleaning Business In 7 Simple Steps
1) Decide exactly what kind of house cleaning services you will offer.
Here you decided what cleaning you will do, like making beds, vacuuming, mopping and waxing floors, dusting and so on. Also note what you won't do, e.g. laundry. You can also decide to specialize, e.g. by cleaning carpets only, or cleaning suspended ceilings only.
2) Pricing your housecleaning service.
To have an idea of how to charge for your housecleaning service, use your competition. Check your telephone directory and the classified ads section in your local newspapers for cleaning businesses, call them up (pretend to be a prospective client) and find out exactly what cleaning services they offer and how much they charge. With this information gathered decide the best price to charge for your cleaning service.
3) Workout startup costs.
For this you need to consider, tools, material, transport, advertising, insurance etc. Write down a list all the tools and material you need, like cleaners, sponges, mops, carpet cleaning equipment etc. Next find out the cost of each item on the list and write it down next to the item.
Transport: you will have to estimate your costs here. You see it depends on where your client is located and your means of transportation to get to your client. (Having your own vehicle would be to your advantage).
Advertising: You can use free advertising (word of mouth) and paid advertising (classifieds, telephone directory ads etc). Phone calls to your local newspaper and the telephone company who publish your telephone directory will tell you the cost of placing ads.
Once you've gathered all this information, calculate your total startup costs.
4) Name your business.
Choosing an appropriate name for your house cleaning business is important. Here are a few examples I got of the internet, 'Maid Brigade', 'All Shine Cleaning', 'White Glove Cleaning Service'. Please avoid using 'Your Name Cleaning Services'. Using your own name as part of your business name is over done by many house cleaning businesses. Brainstorm and come up with a name that helps you stand out of the crowd.
5) Learn the zoning regulations of your community.
Check the city clerk's Office or your local library for a copy for a copy of the zoning laws governing your community. Your reason for doing this is that some zoning regulations prohibit home businesses in a community.
6) Do a few free cleaning jobs.
Well you're not actually doing them for free. You're doing them in exchange for references (these add to your credibility for future paying clients and are invaluable). You can offer these free cleaning jobs to friends, non profit organizations in your communities etc.
7) Get your first paying client then get another and another and another and so on.
Tell everyone you know that you've started a cleaning business and place ads in the local newspapers. In the beginning you need to spend most of your time and money getting paying clients. However, the more clients you get the less time and money you spend on marketing and more time you spend on cleaning and making your clients happy.
This is just the beginning. Once you start making money take a house cleaning business course to help you better manage your business in terms of growth, accounting, taxes, insurance better marketing strategies and more.
--
You have permission to publish this article electronically or in print, free of charge, as long as the bylines are included. A courtesy copy of your publication would be appreciated. fayolap@yahoo.com
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Fayola Peters is the webmaster of housecleaning-tips.com. To find more information about a house business cleaning course check out her website at http://www.housecleaning-tips.com.
fayolap@yahoo.com
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Sunday, January 20, 2013
Apartment Building Classifications
Lender Ratings of Residential Investment Properties
Lenders have developed general classifications of apartment buildings so that they can communicate amongst themselves and other members of the industry with some level of uniformity. The classifications are Class A, Class B, Class C, and Class D.
Grade 1. Class A.....Newer, Institutional
Grade 2. Class B.....Older, Institutional
Grade 3. Class C..... Older, Declining Area
Grade 4. Class D......Older, Declining Area, Poor Condition
Apartment Building Classifications
Class A Apartments - Institutional buyers like new, larger apartments in prime locations because of low deferred maintenance. These properties are typically occupied by white collar workers and have amenities such as garages, in-unit washer/dryers, pools, spas, exercise gyms, the latest technology, etc. They are typically between 1-10 years old. Typically they are in the path of progress and as of this writing (July 2008) can be bought at cap rates of 7%. They will likely have less cash flow than properties with higher cap rates but will have greater appreciation potential.
Class B Apartments - Class B buildings are in good areas with many of the same amenities as Class A properties, but Class B buildings are 10-20 years old and occupied by both white and blue collar workers. Class B properties are often owned by investment groups, such as limited partnerships and limited liability companies. As of this writing (July 2008) they can typically be bought at cap rates of 8% - 9%. These properties will have decent cash flow and decent appreciation potential.
Class C Apartments - These apartments are older properties built within the last 21-30 years in working class areas typically occupied by blue collar workers and even some Section 8 tenants(please see my article on Section 8). The properties may be in declining areas but not necessarily dangerous areas. The units in Class C buildings are smaller than those in Class A and B buildings and the projects have fewer amenities. The occupancy rates are typically higher than Class A 0r B because they are more affordable. Individuals usually own Class C properties, which as of this writing (July 2008) can be bought at cap rates of 10%. These properties will have decent cash flow but little opportunity for appreciation.
Class D Apartments - These buildings are older, in declining and even dangerous areas and as a result may have high vacancy rates, deferred maintenance, functional obsolescence and demand a high level of hands-on management from their individual owners. As of this writing, they can typically be purchased for cap rates of 12% but may generate less income than other properties despite their higher cap rates because of higher maintenance and management demands.
Rules of Thumb:
1. Class A & Class B properties are purchased for appreciation potential.
2. Class B & Class C properties are purchased for cash flow
3. Unless you are an experienced investor, don't buy Class D properties.
The goal is to buy a particular class of property in the same area class. In other words, buy a Class B property in a class B area. Alternatively, buy a lower class property in a higher class area. In other words, buy a Class C property in a class A area or one in the path of progress. The reasoning is so that you can possibly change the Class B property bought at higher cap rates (lower in price) into a Class A property which can be sold for lower cap rates (higher prices). This "infill opportunity" is typically only possible if the area is better than the property. For a better understanding of cap rates, please read my numerous other articles which give detailed information on the subject.
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Take a FREE Online Course! http://www.cieinst.com
Karen Hanover is well known as a Certified Commercial Real Estate Advisor, President of the National Apartment Investors Association, Chairman of the National Commercial Real Estate Advisory Board and Senior Instructor for both the Self Storage Education Institute and the Apartments Education Institute.
As a CCIM Candidate, a highly prestigious designation, often called the "Ph.D. of commercial real estate" Karen works as a busy commercial real estate agent with Marcus & Millichap one of the nation's largest and most highly regarded commercial brokerage firms.
Sought by industry insiders for their toughest deals, Karen has helped thousands to create wealth in commercial real estate with less risk even in today's uncertain economy.
Karen founded the Commercial Investment Education Institute which provides educational instruction for investors on multiple subjects including apartments, self storage, office buildings, retail centers, mobile home parks and more. Her courses are taught in a friendly and easy to understand manner.
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