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    Women crews build homes and dreams

     

    With hammers in hand, women across the country are coming together to build homes and better futures with families in need. Habitat for Humanity International's Women Build program, sponsored by Lowe's, a home improvement retailer, is working to make homeownership a reality. The organization trains women volunteers and the future owners of Habitat homes to construct and maintain simple, decent and affordable homes. "We have seen so many positive changes through the Women Build program, not only in the lives of the new homeowners, but in the lives of the volunteers," said Fiona Eastwood, director of Women Build. "Women from all walks of life are picking up tools, determined to build a better future for our nation's children and leave a legacy of volunteerism." Women Build is not about excluding men, however. It's about including women who have a willingness to learn new things and meet new people. According to Eastwood, women are often intimidated on a "mixed" construction site. At a Women Build site, she says women are able to quickly and comfortably learn construction skills. In a recent survey conducted by Lowe's and Habitat for Humanity, women most often cited their desire to help children and families in need as a motive for volunteering. Another reason they often cited was the desire to improve their communities and neighborhoods. Habitat houses are sold at no profit to partner families and are financed with no-interest mortgages that are issued for 15 to 30 years. House payments go into the "Fund for Humanity" to be used to build more Habitat for Humanity homes. With Lowe's as the national underwriter for the Women Build program, more than 150 homes - an increase of 50 percent over last year - will be built this year by women crews. "We're proud to partner with Habitat in supporting women who help families move out of substandard housing into their own home, where they can enjoy the dignity that every family deserves," said Larry Stone, chairman of the Lowe's Charitable and Educational Foundation.

         
    Wood vs metal loft beds bunk beds

     

    If you are in the market for loft beds or bunk beds, a major choice is wood versus metal. Depending on the overall look and size you desire, you will want to choose a differently constructed bed. Although both materials are both sturdy and safe, many individuals choose either metal or wood when searching for the optimum bed to fit the room. Most older bunk beds are made of wood, and are generally easier to make safety modifications and enhancements. Also, the price of wooden bunk beds may be more economical, especially if you are shopping at second hand stores or using a bed previously used by a friend or family member. Furthermore, wooden bunk beds can be easily repaired, painted, stripped, or stained to create a completely different look for differing tastes. Metal bunk beds are usually made of tubular metal and thought to be a classic kid’s type of bedding. How many times have you seen a red or white metal bunk bed in a child’s bedroom? Metal bunk beds made in recent years are built to the set safety requirements, but if any safety requirements are not up to par, emendations are much more difficult to make. When looking at loft beds, the newer, stylish beds are made of metal. Additionally, metal loft beds take up less space so that tight spaces will not be further infringed by bulky metal creations. Also, metal beds allow a greater amount of decoration than wooden beds, so these are quite popular with the feminine crowd. Additionally, a change in style requires nothing more than a can of spray paint in the new and improved color. Wooden loft beds are most associated with college dormitories, where loft beds built of raw two by fours are king. These beds can be found around every corner of campus come move-in day, so keep your pennies for things like books and purchase a used loft bed. You may even gain a couple new phone numbers, since most college co-eds use their loft beds as a huge message pad. The plus side of a wooden loft bed is that you will save a great deal of money on paper! Whatever type of bunk bed or loft bed you choose to purchase, ensure the bed is safe. It does not matter if you are two, twelve, or twenty, safety is still important when entrusting your bodily safety while you sleep. A teenager can roll out of bed just as easily as a toddler, so be sure all beds have the proper guard rails and safety precautions. Generally, the choice between wood and metal bunk beds or loft beds is completely personal and depends on the space and the style.

         
    Woof i can help

     

    As a family psychologist, I’m always interested in learning about different therapeutic approaches to helping kids. One approach that receives much less attention than it deserves is therapy involving animals, especially pets. Animals can help reduce the vulnerability children feel when they are working on different types of behaviors or emotional challenges. Whether you have to talk to your child about “all the missing cookies” or a more serious matter, the presence of a pet can go a long way toward reducing his or her discomfort and self-consciousness. Being able to hug a dog or pet a cat while dealing with some tough issues helps to limit the feeling of “being on the spot.” The warmth of an animal’s body, the softness of its coat – the very fact that it is a living thing – provides an opportunity for emotional relief and connection. Many pet owners say they enjoy the unconditional love an animal provides. What is perhaps more important is the opportunity a pet provides to express love. I’m not suggesting that you immediately rush off and buy a pet if your child is dealing with behavioral or emotional challenges. But if your family would like a pet and can make the commitment to provide it with a good, safe home; it’s worth considering. Your child may enjoy researching different animals and planning for its care. Many parents have learned that pets are an excellent way to build empathy as well. Taking care of the family pet, or a stint “dog-watching” or “cat - sitting” for a neighbor might be a child’s first job. Children sense that living things require greater care on their part and usually rally to meet expectations when they’ve been given a sense of responsibility for an animal: picking its name, selecting its collar, choosing special pet snacks or toys at the grocery store. Animals serve both as real companions and as potent symbols that wind their ways deeply into children’s minds, providing a health opportunity for emotional projection. Why else would animals show up so frequently in children’s art and stories? Some studies have even shown that the presence of a dog while learning to read or play the piano helps accelerate those processes. This makes sense to me. So much of what children struggle with during learning is a lack of fluency brought on by their own self-consciousness. Anxiety inhibits the neural connections that make learning easier. Isn’t it harder for all of us to learn something if we are worried about doing it well enough? The presence of an animal reduces that self-consciousness and supports the capabilities of a more relaxed mind. In her thought-provoking book, Why the Wild Things Are, psychologist Gail Nelson writes eloquently about animals in the lives of children. She cites studies demonstrating that when animals are present in the classrooms of young children, it helps them gain control of the emotional swings that are part and parcel of early childhood. Dr. Nelson also notes that by third grade, animals are much less in attendance – probably for the same logistical reasons it is hard to bring animals into traditional therapy sessions. In my own clinical office, I have fish which, while not being as physically accessible as a cat, dog, or guinea pig, are still a source of projection for the children I work with. “Can you see Mr. Little?,” I might ask. “Does he feel shy like you do sometimes?” “How do you like my shark? He thinks he’s so tough he doesn’t have to listen to anybody – does he remind you of anyone?” In so many ways, animals connect children to a reality larger than themselves. A child who cannot bear to share with his brother or make a concession to please his sister may faithfully walk the dog or forgive a chewed-up baseball glove—learning to nurture and empathize in the process. The companionship and devotion typically provided by the family pet can be of great consolation in a hectic household, at times when a child is “in the doghouse,” dealing with a tough transition, or feeling sad or lonely. Pets of all kinds can truly be a "family's best friend."

         
    Xylitol

     

    I am so excited about xylitol. It is perfect for those who want their families to be healthy and cavity free. Xylitol has 40% less calories than sugar and fights cavities instead of creating them. The best part is that Xylitol tastes delicious! Substitute sugar in any recipe with xylitol at a 1:1 ratio. There is a great desert cookbook with recipes for cooking with xylitol. This cookbook contains a wide variety of delicious recipes such as black forest cake and Boston cream pie as well as recipes for cookies, pies, and ice cream! Xylitol fights bacteria, especially the most harmful bacteria that can be found in our mouths. These bacteria can store acidic sugars to be used to decay teeth during times when we consume little or no sugar! Xylitol is safe to be consumed by diabetics and those who are hypoglycemic because it is a sugar alcohol. It has an advantage above other sugar alcohols - it is all natural, extracted from birch trees, sugar cane bagasse, and corn cobs/stalks. That’s right - it is not created in a laboratory. It is not a synthetic chemical. It does not have an aftertaste like artificial sweeteners. Xylitol is the ultimate prevention tool when it comes to cavities. Many people believe that when a cavity forms the only thing that will stop it is a dentist’s drill. This is not true! Xylitol can stop cavities from worsening and can eventually heal cavities by creating an environment where the tooth actually restores its enamel coating. Is there a time for the dentist drill? Yes I think there is, when we have let mouths get so infested with decay that the tooth has died or is nearly dead. I my self have had several cavities and I don’t recommend it to anyone. I have written three other articles on xylitol, Xylitol the Cure for Caries, The Many Bacteria in Your Mouth, and Safe, Healing, All Natural Xylitol. Each are easily found with a search engine. In all of them I have advocated the benefits of xylitol, told you why we have cavities, and even explained and given you solid research where you can find out for your self if xylitol is as good as I say it is. However, I have yet to give you a resource for obtaining xylitol; the fact is that there are many different companies and products some better than others. I had the owner of Squiggle toothpaste call me and ask about buying a bulk order of his the product. He claims that his toothpaste is superior because it has more xylitol (36%) than the leading brands. I think he is right, what I mean is that xylitol high products are better than xylitol low products. Just the other day I used a Crest brand toothpaste with a combination of xylitol and sorbitol, it also had tons of fillers and abrasives. Folks, if your toothpaste has a gritty sandpaper effect on your teeth, guess what you are actually destroying the very thing that protects you from cavities, your enamel. Stop buying those abrasive toothpastes, your toothbrush bristles do a fine job. Ok so here is my list of great xylitol companies and products to buy: Xlear, Inc. P. O. Box 970911 Orem, UT 84097. I use to work for clear in their shipping and warehousing department. Their xylitol is fairly good and is imported like most xylitol from China. Products: • Xlear, nasal wash Sugar in a nasal wash? We’ll cover that in another article. • Spry Infant Tooth Gel not for pain when teething, but for stronger permanent teeth, see my article titled Safe, Healing, All Natural Xylitol. • Spry Cool Mint Toothpaste • Spry Cool Mint Oral Rinse • Spry Gum, spearmint, peppermint, cinnamon, and fresh fruit • Xylosweet, sugar substitute or as they call it sweetener • SparX Candy, berry, citrus, fruit Probst Farms 3350 South Probst Lane Charleston, Utah 84032. They buy their xylitol from Xlear, Inc. or at least they used to when I worked for Xlear, Inc. Products: • Sugar Free Jam Preserves, apricot, mountain berry, peach, raspberry, strawberry, and wildberry. • (Sugar meaning “sucrose”) • Sugar Free Diet Syrup, maple and wild blueberry • Sugar Free Honey • Sugar Free Tomato Ketchup Epic Industries, Inc. Provo, UT 84601. One of the founders of Epic Industries, Inc. actually use to work early on for Xlear, Inc., so I guess you could call it a spin off company. I am not sure where they get their xylitol from, they use to get it from Xlear. Products: • Xylitol & Fluoride Toothpaste • Fluoride Free Xylitol Toothpaste • Gum, spearmint, peppermint, cinnamon, and fresh fruit • Mints, peppermint and fresh fruit • Oral Rinse, spearmint • Euphoria Xylitol sweetener Leaf Oy, box 406 (Kдrsдmдentie 36) 20101 Turku Finland. Claims to have the first 1005 xylitol gum, I wouldn’t be surprised, the USA has been so behind on adopting cures, the dental industry makes MORE money from us when we have more cavities. Products: • XyliFresh gum, 100% xylitol sweetened • Jenkki, xylitol-sweetened chewing gum • Lдkerol Dents, xylitol-sweetened throat lozenge Emerald Forest Xylitol, 557 #E Burbank St Broomfield, CO 80020 Products: • Emerald Forest Xylitol Sweetener • Lena’s Orange Marmalade • Emerald Forest Fudge Bar, Chocolate, Chocolate with walnuts, Rum, Mint, Orange, Coffee, Maple, Vanilla, Vanilla with walnuts, Peanut Butter, Peanut Butter with Walnuts, and Lemon. • Lena’s Peppercot Jam • Ricochet Mints, peppermint, lemon-lime, and fruit punch • Emerald Blend Chewable Vitamins • Ricochet Gum, peppermint, spearmint, cinnamon, and fruit punch. Miscellaneous Companies Products: • Squiggle Toothpaste • Sweeten Your Life the Xylitol Way, recipe book by Dr. Karen Edwards As far as xylitol resources are concerned many of the companies listed above have some great articles and research studies to back up their claims. But be studious, read the actual research sometimes companies are not allowed to tell you how effective their product actually is due to FDA regulations. Yes, only the FDA has the authority to tell us what cures what, and when something becomes a cure then it becomes a drug. So you’ll notice those disclaimers when doing your searches. I do recommend one specific website for a great summary of what xylitol is and does. That is of course the free encyclopedia, WikiPedia found at WikiPedia. org. Search for xylitol you’ll find it.

         
    Yeast infections in general and for baby s thrush and mothers

     

    The traditional cure for yeast/ candida with Nystatin is often not successful. Antibiotics makes thrush and yeast infections worse. Still we want to cure our yeast infections and thrush with a remedy, which has no side effect and is successful in battling yeast/ candida infections (thrush). Thrush is showing up in baby mouths as small white spots and are difficult to remove. Thrush often goes hand in hand with a diaper rash. Having a baby and having a yeast/ candida infection either when you breast feed or when the baby has thrush (yeast infection in the mouth) or in your digestive system or/ and the female parts yeast/ candia infections are in the rise. There is a simple home test you can do. The candida, yeast spit test. See yeast infection on my website for more information. Avoid sugar and white flour products. These ingredients are nutrition for yeast and will feed the yeast/candida. Add acidophilus and or kefir to reestablish a good intestinal flora. Avoid stress, stress diminishes your immune system and infections have more changes to manifest in your body. For babies add some Oil of Oregano on the baby’s feet. When you have sore nipples massage the Oil of Oregano on the nipples and take it internally 3-6 drops every 3-6 hours depending on the severity of your infection and do not forget to take acidophilus and or kefir. Oil of Oregano is very strong and needs to be supplement with friendly bacteria which grow in your intestines. For the diaper rash...try to leave the diaper off as possible for a little while and you of course massage the bottom with Oil of Oregano. A nice side effect of Oil of Oregano is that it makes your breath smell like Oregano but people will associate it with eating Pizza.

         
    You a chief everything officer

     

    A new kind of CEO is sweeping the nation, but they're not high-powered business executives. The new CEOs are talented and efficient women and men who have the extraordinary ability to balance work, career, children and much more, yet still have time for themselves. AOL has dubbed them "Chief Everything Officers" and, with partner Dove, has created a new Web site that honors these dedicated individuals. And as we all struggle to juggle it all and find extra time in our day, the site also offers tips and information from leading experts, articles from Real Simple and All You as well as advice from the online community-to help transform regular people into CEOs. Here are some tips from the new site, aol/ceo, which shares the secrets to living a CEO lifestyle: Power It Up The Internet is a great way to save money and precious time. Whether buying a gift through shopping sites such as AOL Shopping, consolidating your bills on finance sites such as AOL Bill Pay or signing up for online reminders so you never forget a birthday, the Internet is an essential way to maximize your time while helping you stay organized. Clear the Clutter Feng shui experts would agree that clutter in the house can produce clutter of the mind. Why not take a time-out and clean your closet as a way to bring more clarity to your life? Who knows, you might discover old treasures tucked away or items that could be used by a local charity. Relax. Schedule Alone Time. The best way to stay focused is to make sure you take a time-out for yourself, and the bathroom just might become your new sanctuary. Dove, the global beauty brand, recommends enjoying an evening shower, which is a great way for busy women to pamper themselves and ease into a restful night's sleep. Reuse, Repurpose, Refresh Some of the best timesaving and budget-conscious tricks can help you become a better family manager. Some ideas include using old newspapers to clean your windows (which works wonders), taking old coffee grinds and using them in your garden as compost or checking out cooking sites like AOL Food to discover ways to make one meal that can be altered into several different ones throughout the week.

         
    You can use your praise to overcome infertility

     

    Copyright 2006 The Lord Word On Healing Publications Woman, you are infertile." Who said that to you? Can't conceive, can't reproduce, barren, sterile, incapable? Who said those words to you? Because they were wrong! The Bible says: "You can through Christ who straightens you." For this is what God says to you: "Be fruitful and multiply and replenish the earth. (Genesis 1: 28). It is your God-given right and His desire for you to have the children and family you want so badly. When you have hit a wall with science and medicine, it is time to turn to God and let Him work His abundant miracles in your life… Who then is this God that said these words to you? The Bible says, “He is the one who created the heavens and the earth and everything in it, with the words of His mouth.” After God had created the universe, God again decided to create man in His own image after His likeness. The bible says: “So God created man in his own image, in the image of God he created him; male and female he created them. God blessed them, and said to them, “Be fruitful and increase in number; fill the earth and subdue it. This is God’s perfect will for creating you. For you to reproduce and have your own children. When God made the woman He took time to make her skilfully. When you look at the reproductive organs of woman you will know that this is the work of a skilful God who knew exactly what He had planned. And what to do in order to accomplish His plans. Looking at the female reproductive organs you see a most wonderful piece of workmanship done by almighty God. Starting from the vagina, you come to the cervix. From the cervix, you come to the uterus or the womb which is where the foetus grows for nine months. The womb is lined by the endometrium - this is a specialised type of tissue that undergoes changes during the menstrual cycle. You then find the ovaries which contain the eggs. Then the Fallopian tube, which is the tube that the egg travels through before resting in the womb. Each piece of the female reproductive anatomy is designed to work in harmony so as to accomplish a specific purpose which is the production of a child. Now what can a woman do when her doctor says to her “Woman You Are Infertile? And we can’t help you”. After exhausting all medical avenues, what can she really do. I know one thing that works. I have recommended this to many women who are happy mothers of their own children TODAY. You can follow my advice if you want. Let me share a TESTIMONY: A lady came to me with a problem. The doctors had told her she had no eggs in her ovaries. This was a hopeless case. I recommended exactly what I am telling you now. Within four weeks she was pregnant. She is a happy mother of a baby girl today. God loves to hear us praise him. This is what God says about our praise and thanksgiving to him: Sacrifice thank offerings to God. Fulfill your vows to the Most High, and call upon me in the day of trouble. I will deliver you, and you will honour me." Psalm 50:14-15. God says, in times of trouble, if you will praise him - he will deliver from that problem. The world says worry is the next step when you are in trouble. God says praise is what he recommends when you are in trouble. Try this and see if it works or not. The bible says-He who sacrifices thank offerings honours me, and he prepares the way so that I may show him the salvation of God." Psalm 50:23. I love praising God. Because when you praise him he make all things beautiful in your life. He has done it in my life many times. Thanksgiving is a way maker. I know that to be true. God says if you will praise him, he will show you his faithfulness. Now open your mouth and begin to praise God with these scriptures: Father, I praise you. You have wonderfully and skilfully created me as a woman to fulfil a specific purpose on earth, to bring forth children. Only you, God could have done this and I give you praise. You, Almighty God, are exalted above the heavens. I enter your gates with thanksgiving and your courts with praise. I give thanks to you and praise your name. I will praise you forever for what you have done. I will praise God's name in song and glorify him with thanksgiving. I will come before him with thanksgiving. O my Strength, I sing praise to you. You, O God, are my fortress, my loving God. You have blessed me with my own child. My faith is strong in you. I will praise you as long as I live, and in your name I will lift up my hands. With singing lips my mouth will praise you. Who is like the Lord my God? Who stoops down to look on the heavens and the earth? He looks down to “settles the barren woman…” in her home. God has stooped for my sake and crowned my womanhood with motherhood. I bless you. The God who dwells in the heavens above had stooped through His love and grace in His only begotten son Jesus Christ, in order that He might lift me up. I bless you. I am lifted up. In faith I call myself a happy mother of children, According to God’s word. Praise the Lord. (Psalms 113: 6-9). Father, I praise you for stooping just to bless me. I thank you for your words that say I am a mother of my own children. Thank-you for creating me as a woman in Jesus’ Name. Amen.

         
    You have a home air purification system but you neglected everything else

     

    Home air purification systems are being purchased by the millions. Many adults both with and without children are realizing that the one thing they can control in their home is the air they breath. Many have done their diligent studies or took it on recommendation that the air outside is harmful, but the air inside(up to 70 times more toxic)can be made cleaner by purchasing and installing some sort of unit that will help clean the air. And a good choice it was. Several units will filter out the dust, the dander from their pets, and some other particulate that is unseen. Some units can even filter out some of the toxins that float around us while we are in our home. And they work too. But did you know that these airborne toxins, once on the skin, can actually cause as much harm to you, your children and your pets, as it does to inhale them? Most people know this subconsciously, but they neglect to do anything about it. Most of the products that you bring into your home from the store to use for whatever purpose contain chemicals that over time can and will bring harm to you. Most of us think that these products could not be sold to us if this were true. Unfortunately, there is no requirements for testing these products and there is no requirement to even list everything they contain on the label (testing is done as we know, with animals, and many companies have found alternative testing methods. But there are a surprisingly high number of brand name companies that still do animal testing. That is a whole other discussion). I was surprised to learn that, because I live in a country that seems to regulate everything else, why not consumer and personal care products as well. There are countless examples you can take a look at from the products in your home right now. I’m sure you have seen them already. Look at your oven cleaning solution. Does it say anywhere on the container “danger”, “warning”, “poison”? Do the instructions indicate that you should use gloves when applying? How about to have good or adequate ventilation? Look at your floor cleaners, or window cleaners. Did you know that ammonia, which is a good cleaning agent found in window cleaners, can cause an irritated nose: maybe some slight breathing problems? And not to mention the injury you could sustain if you get it in your eyes. Long term, or repeated exposure could have an effect on the lungs, could cause pneumonia, cataracts, glaucoma, kidney damage, the list goes on. And that’s just ammonia. The recommendation when handling ammonia is to avoid skin contact (we are talking about pure ammonia here). Wear protective gloves and chemical-resistant clothing. The National Institute for Occupational Safety and Health (NIOSH) recommends wearing gloves made of Butyl, Teflon or Viton for up to 8 hours of exposure and Nitrile gloves for up to 4 hours of exposure. Keep clothing clean and free of oils and grease. Even diluted, does that give you cause enough to get rid of everything containing ammonia that YOU brought in? In the personal care section, I can tell you first hand that the products you use on your head, by and large contain chemicals that render bacteria sterile (they used to be able to kill the bacteria by adding formaldehyde to the mixture. This was done for many years but has since been changed). The ingredients in use today do not “kill” any bacteria that may have gotten into the mix: they make it so the bacteria cannot reproduce while it is sitting on the store shelf. Otherwise, you would be putting a significant amount of bacteria onto your scalp everyday and if you had a scratch or cut on your head or neck, you would get a serious infection. Unless a company uses a plant extract or herb, a chemical like this cannot be healthy. Man made phosphates and man made chemicals derived from petrochemicals located in your soaps, toothpaste, and deodorant also absorb through our skin and can cause immediate problems and problems over time. Stop and think about where you spend most of your time. How about your kids? Chronic conditions are more problematic in women because women do most of the cleaning in the home. They are exposed to these chemicals for more time, and over time. Pregnancies can be complicated and asthma in children can be traced back to the chemicals and chemical products we use everyday. What should you do? You started out by purchasing and installing a home air purifier. That is a start. Now, you really need to either get more education on the various hazards you continue to bring into your home and expose you and your family to, or, make the decision to change to products that are much safer to use. They may be hard to find, but don’t you think that you are taking a great risk just to save a couple of dollars for a product that is on sale or that you have used all of your life, therefore it must be good? Make the change. Start today. You are working hard for everything else in your life, now you need to make your life (your body) stop having to work so hard to save you.

         
    You re in the dog house lucky thing

     

    Dogs love being outdoors, I’ll tell you that for nothing. But when the weather is hot and you’re out sunbathing, their fur coat makes them too hot and they’ll search for somewhere cool and shady to lie down. An outdoor dog house or ‘kennel’ is the ideal place for a dog to cool down and relax when all that running around gets too much and not only that but they’re great for house training in the summer. Both owner and dog can relax in the garden and whenever the dog does his business, he is rewarded and learns from the experience. An effortless investment! Dog houses are typically wooden structures in the shape of small houses with a large entrance, and although there is a vast array of designs available for any canine, this stereotypical ‘snoopy’ style dog house remains prevalent. Even ancient Egyptian nobility kept their dogs in kennels and they are still in a high level of production today. Some dog houses are designed to compliment their surroundings. For example, if you live in a log cabin style house then you can buy a log cabin style dog house to match! Dog houses are not limited to being a permanent structure. There has been a dramatic rise in plastic houses that can be collapsed and transported, including a pop-up doggy tent or an igloo style cabin with an external water bowl. The list is endless. In fact, there is almost no limit. Whatever the size, shape or need of your dog, there is guaranteed to be a kennel made of each material to fit the bill. However, wood is the most desirable material used in the crafting of dog houses due to its natural insulation, durability and availability. Red cedar wood is often used in making dog houses as its own resins protect the wood from precipitation damage (rotting and mould) and repel insects such as fleas, ticks and mites. Such structures are also often specially treated to give the wood extra protection against extreme elements for them to last longer. Also, cedar wood has low temperature conducting properties meaning that it doesn’t lose or gain heat easily and will keep a dog cool in the summer and warm in the winter. For the winter months, modern dog kennels can be insulated, particularly in the roof if it is peaked and some are fitted with a self-closing door to keep in the heat. Often these doors have an UV ray filter and are removable. Also, a kennel that is raised above the ground is further away from damp and insects so that a pet is kept dry and safe whatever the weather. Many houses are fitted with a porch and awning so that the pooch can relax whilst watching whatever is going on outside his kennel. Dogs adore the outdoors and they could explore for hours, but at the end of the day the little guys need their rest, and what better way to relax than in their own perfectly sized canine palace!

         
    You re retired now what

     

    For years you’ve lived in that sprawling house where you raised your children . . . it’s home. But now you don’t need all the space and the upkeep is becoming more difficult every year. You now have to consider things that weren’t issues before. When you were younger, you never thought about how many times a day you went up and down the stairs. You didn’t mind having the bedroom upstairs and the laundry facilities in the basement. Now, all those steps are taking their toll. Washing windows isn’t as easy as it was before either, is it? Climbing an extension ladder to reach the second story becomes a bit scarier with each passing year. As you age, you become more concerned about falling. You may be thinking it’s finally time to move into a home that’s a bit more senior-friendly, but what are your options? • Smaller, single level houses • Condominiums • Apartments • Retirement communities • Assisted living facilities Let’s take a more detailed look at these options: Smaller homes built on one level with convenient laundry facilities may be what you need. Look for a house that requires little outside maintenance. A brick or vinyl-sided house won’t require painting. An open floor plan may be helpful if you’re ever confined to a wheelchair. A smaller yard allows you to garden but still keeps the yard work to a minimum. An attached garage is a helpful feature, especially in the winter when icy sidewalks can cause falls. Of course, finding a location that’s close to shopping, public transportation and medical facilities is also important. Condominiums provide privacy without a lot of maintenance. Like individual houses, there are many different types of condominiums from which to choose. The main advantage of a condo is that outside maintenance of both the structure and the yard is usually provided. Most condos include a small area where you can plant flowers but the lawn and other common areas are maintained by the association. There are additional fees for this mandatory service so be sure to find out if they will fit into your budget. Apartments require no maintenance. One of the main advantages of apartment living is that you aren’t responsible for any maintenance. You don’t have to worry about painting, replacing major appliances or yard work. Apartments also give you a certain degree of freedom because you don’t have to worry about them if you travel a lot. It’s important for laundry facilities to be easily accessible and that there is an elevator if your apartment is to be on a higher floor. You won’t have as much privacy and your only personal outdoor space may be limited to a small patio or balcony, if that. Rent is likely to increase and is not tax deductible on your Federal returns. Retirement communities or assisted living facilities give you the highest level of security. Both of these options are specifically designed for seniors and offer many safety features not found in regular housing. The amount of privacy you have depends on which community you choose. Your medical condition will usually dictate whether a retirement community or assisted living facility is your best choice. Some retirement communities offer private living space, much like individual homes, as long as you’re healthy and then provides assisted living if your health deteriorates. Giving up the home where you’ve lived for many, many years may seem a little scary. But, often a new home that brings less responsibility and greater peace of mind will make you feel years younger.

         
    Your home is your sanctuary

     

    Home is sanctuary. It is a place that conjures the powerful feeling of belongingness where rest and renewal happens. Here we expect tranquility and peace. We expect protection from the outside world we participate in. Thus, we invest our life-savings, our talents, ourselves to make it as relaxing, soothing and calming as possible. For others, home serves as a showcase of stature and success. It is where we entertain friends. It is an extension of one’s identity and an avenue to display one’s taste in design and art. Whatever the motivation is in investing or choosing a home to live in, we must be ready to face details upon details of considerations before making decisions that would usually cost us an arm and a leg. A small detail left out could mean huge, hard-earned money easily out the window. Fulfilling though it may be to set up our own home, we need guidance and lots of advice in the one thousand and one aspects we have to look into. The first consideration is, of course, actually getting a home. Shall you rent or buy? If you rent, what should you do first? How do you go about it? Who do you talk to? What do you talk about? What are the legalities? If you buy, how do you get the best deal? What is it you should know? Is there a tried and proven method of going about buying a home? What are the recommendations in buying a home in the U. K., or overseas? The next consideration is the aesthetics that make the home pleasant to be in. What kind of furniture would suit your lifestyle? What are the choices? What are the pros and cons? What is the in thing, the trends? What could make your home attractive? There are a lot of choices from gardens to awnings, to setting up water features like a small, attractive fountain or waterfall or even just an indoor or outdoor pond for that relaxing Zen effect. Undeniably, in the 21st century, another consideration is the advent of the internet and the personal computer (PC) as a permanent fixture in almost every home. The cocooning trend of working at home makes the choice of computer furnishings and lay-out a major factor. What are the choices and how do you go about it? Here, the issues are no longer limited to just the aesthetic. More important to consider are the issues on health and ergonomics. Of course, who would not agree that the use of space is another primary consideration? A special portion is devoted on possible uses of the loft to increase precious space in this shrinking world. Presented is a treasure of creative ideas considering both functionality and aesthetics. Equally important are the unseen aspects of home that if left unattended can cause much discomfort and a big hole in the pocket. These are the hidden details of plumbing, the sewage system as well as the new trend of underfloor heating. Moreover, the kitchen and bathroom considerations can very well determine not only one’s functionality but also your home’s resale value. We understand that setting up a home can be a daunting task. We have organized these details in a simple fashion so that they are less intimidating and somehow more manageable. We present to you tried and proven techniques as well as steps that are easy to follow. We acknowledge that the decisions you make in setting up your home are very crucial. They impact on costs, time, effort and quality of life. Your home could either be a great investment or a heavy burden. The information we offer could spell the big difference.

         
    Your medical records are they really private

     

    The question in the title seems to beg a yes answer. However, truth is, there are two answers with the real one a shocker. At least it was to me. The “begged” answer is of course yes. It would be yes if you never let anyone have information about your health and medical condition(s). But, in the real world, this is impossible. The real answer, unfortunately, is NO. And to add insult to injury, it is real in more ways than one as you are about to learn. As I dug into the research material for this article, my eyes popped out and my jaw dropped open. The number of eyes that could potentially see your complete medical history (read complete record) is staggering. The line starts at the government and runs the gamut to bill collectors. Yes, you read that right, bill collectors. Here, with a brief explanation of each, is a list of “eyes” that could see your medical records. I’d bet many of them already have. 1. The most obvious is your doctor, doctor’s nurse and office staff. Most people’s medical records are on kept at the doctor’s office. 2. Hospital – If you have ever been hospitalized, you have a set of records at the hospital. 3. Insurance Companies – If you have ever applied for health, life or disability insurance, those companies have access to your records no matter where kept. 4. The Medical Information Bureau (MIB) – Most people have never heard of this non-profit membership organization. However, it is the largest repository of health records in the free world. Located in Essex, MA, its membership is about 750 U. S. and Canadian Insurance Companies. MIB does not have the same copies as your doctor. Rather they codify you according to certain health conditions. You can get a free copy of your record by visiting their website: mib/html/request_your_record. html In the alternative you can call, 1-866-692-6901 or for the hearing impaired, 1-866-346-3642. By the way, MIB is subject to the Fair Credit Reporting Act (FCRA). This is important to know. 5. Government agencies such as Social Security, Veteran’s Administration, MediCal, Workers Compensation, Medicare, etc. 6. Medical Collection Agencies – Pay attention because these agencies may have in-depth medical information in their data bases. If this one doesn’t set your hair on fire, you don’t have a pulse. 7. Your employer may have asked you to authorize them accessing your medical records. The potential employer has the right to ask for medical information as part of an employment background check. The employer faces certain restrictions but not many if you authorize the access. 8. Believe it or not, your medical records may be subpoenaed for a court case if you are involved in litigation. Those relevant parts of your record may be copied and introduced in court. Unless sealed, court documents are public records. This is one way unscrupulous people discover social security numbers. 9. Health research – Sometimes your medical record is used for health research and when it is, it may be disclosed to health agencies such as the Centers for Disease Control. Most of the time your name is not part of the record but, nonetheless, it is YOUR record. 10. Licensure and accreditation of hospitals or physicians by certain boards or agencies. Again, your identity may or may not be part of the records evaluated. But, one more time, it is YOUR record. 11. Direct marketers may receive your health information if you participate in informal health screenings like cholesterol tests, blood pressure, and other type of “free” medical screenings you may have seen conducted in your local mall. 12. Health related web sites, Usenet news groups and chat rooms may contain your medical information. Granted, you have to share it but once put on the Internet, it has a magical way of propagating throughout the universe. 13. Survey companies not only use the Internet but mail and the phone to conduct medical question surveys. Many of them are very detailed. If you share your information, it is out there for whomever to use. 14. Tenant screening services screen prospective tenants for property managers. Their checks are extremely extensive. Although health records are not on the list, there is no specific law prohibiting a property manager from asking for this information in addition to everything else. You do have sort of a guardian angel to help you if you are having problems in regard to your health records. I say sort of because if you become involved in litigation over your medical records, this source cannot represent you in court. Each state has an Insurance Commissioner. He’s your “big brother” in a good sense. The National Association of Insurance Commissioners has a website, naic. org/state_contacts/sid_websites. htm that talks about the privacy laws in your state. Visit their site. Unfortunately, this arena is still like the Wild West in terms of legislation and privacy protection and the fact it is getting better is of little comfort to anyone whose privacy has been violated. If you don’t like the medical scenario as it exists, you just might wish to chat with your government representative, state and federal, and tell him/her to take a close look at reform in this area. And, because you have read this article, you are better armed than 95% of the American population. You now can begin taking steps to protect your medical privacy. ------------------------------------------------------------------------------------------

         
    Your moving checklist

     

    : A moving checklist can keep you from forgetting important things, like turning on the utilities in your new home. You'll want to make your own list of things to be done, but you can start with the suggestions below. Moving checklist - One Month Before - Make reservations with moving company. - Notify friends and family and give them your new address. - Submit change of address forms to post office. - Get documents for school transfers, if you have children. - Have a garage sale or otherwise lighten the load. One Or Two Weeks Before - Arrange utility shut-offs and new connections. - Transfer banking accounts to new location. - Return books to library, rented movies, etc. - Transfer prescriptions to new location. - Clean house and dispose of things that won't be moved. - Start packing and labling boxes. - Pack an "essentials" box for arrival, with toiletries, paper plates, etc. - Make moving plans (make hotel reservations, get maps, etc.). Moving Day - Start early and remember to eat. - Double check every room and storage area. - Turn off lights, lock doors. - Leave the keys with the new owner or real estate agent. You will undoubtedly have many more items to add to your personal list. Start writing down anything you think of as soon as you know you'll be moving. Will the phone be on when you arrive at your new home? Will you have to return across the country just because you forgot about a safe-deposit box that has the family jewelry? The best way to avoid problems like these is to start early on your moving checklist.

         
    Your new cat why are the first 24 hours so important part 3

     

    Copyright 2006 John Young The family brought Tiger home, but hadn’t prepared their house for him. When he saw their dog, he bolted, found a dark place and hid. His new owner searched the house but couldn’t find him. That night he came out of his hiding place and found an open window with a torn screen.... His would be owner knew there were predators in the area. She called Animal Control and posted signs around the neighborhood, but she knew there wasn't much chance. She was right. FIVE THINGS YOU MUST CONSIDER BEFORE ADOPTING A CAT. In Parts 1 and 2 of this series we considered the vital need to prepare your house for your cat, make sure her medical needs are met, and that you yourself are ready for the adoption of a feline -- an independent animal that doesn’t respond to teaching and training the way a dog would. Before you bring your new kitty home, make sure you have: • Time A cat needs time spent with her. One of the big mistakes busy people make is to fail to realize that they have crazy schedules that don’t allow them to spend enough time with their newly adopted cat. This could ultimately result in your cat running off. If you have no time to spend with your cat, she will not choose your house as “her den”. She will go searching for another one, and you could be soon reporting a “lost cat”. Or, to your consternation, you will find that the cat you thought would be a loving companion has bonded with another member of your household…somebody who did have the time to spend. • Money A lot of people don’t count the cost of pet ownership. In their exuberance to adopt a cat, they forget that they don’t have the budget to keep her. Belatedly, they discover they don’t have the cash on hand to buy their new feline’s basic necessities or give her the medical attention she is most certainly going to need. Many people shun pet medical insurance, not realizing that the same things that happen to people happen to cats, and can cost large sums of money to cure. This can result in losing their beloved pet because the price to save her is “just too high”. • Knowledge of Your Cat’s Medical Needs Some people who adopt strays or cats owned by friends don’t realize the full extent of the medical attention their new cat may need: -- A complete physical examination -- A complete vaccination regimen -- Spaying or neutering In particular, that cute kitten you brought home from a friend’s litter will need a long series of vaccinations (along with boosters) that will extend over a period of a couple of years. You can’t do it all in one day. To fail in this will almost assuredly mean tragedy down the line. I know. I failed to give one of my kittens its vaccinations. I made it an outdoor cat, and it died of feline leukemia. That story definitely had a very sad ending… • Knowledge of Your Cat's Physical Needs When your cat climbs out of the carrier box for the first time, will you be equipped with the essentials? Or, will you discover that you need these things later…and bring them in one at a time, after your cat has defecated in the corner, started clawing the furniture, or begun some other unauthorized behavior you are not prepared for? (And, be advised, a cat is a very obsessed animal…once she starts doing something, it is very hard to change it). Making sure you have on hand what you need to receive your new cat is vital. You must be equipped with the basics before you bring her home. • Your Home Prepared. I can't emphasize this enough. You must be certain your home and your house occupants are prepared for the arrival of your new kitty. If she is frightened in any way, and can find egress from the house, she may do so. If this occurs, she will not know where she is, and you may never see her again. FIRST INTRODUCTIONS So, when your cat first climbs out of her carrier, is she going to be set upon by every member of your household all at once? And when she does, will she flee in terror, trying to find the safest and darkest corner she can find? Or will you introduce her gradually… to try to reduce the trauma as much as possible so she can adapt to and feel at home in her new situation? Your technique for doing that can be a deciding factor in whether or not your cat adapts to your home immediately, by the next day or the next month, or flees the house altogether. THE DAYS TO FOLLOW Do you know how to take care of your new cat in the days to come, assuming you handled your first introductions well? Do you know about allergies, special foods, bathing, grooming, hair balls, removing urine, training and teaching without frightening and alienating her, and a multitude of other situations cat owners wrestle with on a daily basis? Do you know the hazards involved in letting her become an outdoor cat? KNOW WHAT TO DO As you’ve often heard, ‘preparation is the key to success’, and nowhere does that apply more appropriately than to cat ownership. If you are prepared, your adoption will probably go very smoothly – and your relationship with her will be a joy. I say probably because every cat is different. Even with the best preparation by a knowledgeable owner, a cat may still want to hide for awhile. And if you discover that’s the case… You need to know what to do.

         
    Your swimming pool could get you sued

     

    Installing a backyard swimming pool can make those hot summers a lot more fun and relaxing, but could it get you into a lot of financial trouble too? The short answer is: yes. If you're not properly insured, and someone gets hurt in your pool, you are inviting law suits. I know what you're thinking: my friends and family are the only ones who use my pool... they're not going to sue me if anything happens. Guess again. It's not necessarily that people love to sue or even want to. They may have to. With the high costs of medical expenses today, a family that suffers a serious injury (or--god forbid--a death) probably can't afford not to sue. And if a person was injured at your pool in your backyard, guess who's technically at fault? If someone gets hurt, don't be surprised by a lawsuit: expect it. And don't think you can watch the pool every moment to make sure nothing happens. Accidents will occur no matter how relentless you are in trying to prevent them. Risks of accidents are statistically proven to be very high around backyard pools and hot tubs. This isn't to say you should pour dirt into your pool, plant a nice safe flower bed, and post "keep out of yard" signs all over your backyard. You just need to make sure you are adequately covered when it comes to insurance. Okay, you're sold. Now how do you make sure you're covered? If you own a swimming pool or hot tub, you should carry very high liability insurance, i. e. in the range of a million dollars or more. This can be tricky since many homeowner's insurance policies limit the maximum exposure of the insurer to $100,000. Sometimes you can get this raised to $300,000, but getting covered beyond that, from your homeowner's plan alone, will likely prove difficult. This is why you want to look into an umbrella plan. This is a separate liability policy in addition to your homeowner's coverage. It generally picks up where your homeowner's insurance leaves off, and you can get coverage of several million dollars. The cost for this additional coverage is usually minimal, in the neighborhood of $500 per year. This may seem pricey, but considering the millions of dollars of coverage it affords you, it's worth the money, especially if you entertain and have a hot tub or pool. One last thing to note is that you may have to buy all your insurance from the same place, which would include home and auto. If you have a pool or spa, it's probably worth changing insurers to find one who offers an umbrella plan.

         
     
         
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