Tuesday, October 30, 2007

Funeral Planning is Important

By Jason Montag

None of us like to think about our loved ones passing on but the reality is that it will happen. The key is that you must be prepared for the complexities of finalizing someone’s life. There is a lot of money and planning that goes into a funeral and when we are in a depressed state is the last time we want to attempt to do it. Plan ahead and plan appropriately so that when the devastating news does come that is the only worry, not what to do about the funeral.


Link to Catholic Memorials

When planning a funeral there are a number of things to consider and it is all based off of budget. The first thing that you have to plan is where the deceased is going to be taken. The choosing of a funeral home is important since they will be paid a lot of money and they need to be trusted with the remains of your loved one. Research all facets of their business before finally deciding which one to use.

The next thing to do is to choose a casket. There are a million and one choices in the casket area which all depend on how fancy you want to go. There are caskets that are adorned with gold and other precious metals as well as the simple wooden ones. Feel free to purchase a nice one but do not spend more than you can afford since a person passing on is no reason to bankrupt yourself and make the rest of your life difficult. They would agree.

The last area of importance is the head stone. Choose a design and be happy with it since that is the easiest part. The engraving on the stone is the most important part. Think long and hard about what you want it to say since it will last forever. Involve many of the close relatives to see what they have to say. The more personal the better since this is going to be what everyone that visits the plot will read.

It is a hard thing but the more planning you do now the easier the time will be when you need it to be.

For more information about funeral planning visit http://www.makingfuneralplans.com/.

Monday, October 29, 2007

Free community website

Dear Readers,

I would like to acquaint you the big community website in the United State. At this website you can find new friends and chat with them. You can Also looking for someone at free dating service.


Photo Sharing and Video Hosting at Photobucket

Anyway this website contain many services for you such as free live chat and free phone chat which you can choose the area near you.

Sunday, October 28, 2007

I Will Live On

By John Roberts

I was recently looking around the internet for a funeral poem that had not already been massively overused. As I was unable to find one that expressed what I wanted to say, I decided to try and write one of my own and this is the result. I hope maybe that others may find it of some use in these difficult times.

Don’t cry for me in sadness, don’t weep for me in sorrow,
For I will live on beside you, as sure as comes tomorrow.
My body has gone but my spirit lives on, as does my love for you,
Just as in life, I’ll watch over you, I always will be true.
My blood lives on in my children, how I’ve watched them grow with pride,
I’ll live on within them, always by their side.
I know my jokes weren’t always funny and jobs weren’t always done,
Just try and remember the good times, the days when we had fun.
Reach out if you need me, for I always will be near,
Just talk to me, as if I am there, I promise I will hear.
For I’ll live on, within your mind, we’ll never be apart,
As long as you keep, my memory, deep within your heart.
So lift up your hearts, don’t be sad, my spirit hasn’t gone,
While you’re still there, so am I, I really will live on.


Write Great Eulogy - Guide By Prof Funeral Presider, W/ Samples, Poems, Quotes.

John Roberts is a Freelance Training Consultant /Trainer in the UK. Always open to discussion regarding training and training techniques, contact John by email. John is a prolific writer and publisher of Training and associated technical articles, as well as poetry and childrens stories. John can be contacted through his websites at http://www.jayrconsulting.co.uk

Thursday, October 25, 2007

37,000 Cancer Patients will Die Without Health Insurance

By Nicole Calhoun

It is hard to imagine that living in the most prosperous and powerful country in the whole world that there are over 47 million people in the United States who have no health insurance. That translates into 1 in 10 people without health care coverage in America. Our annual cost for health coverage, per capita, is nearly double that of health care in other countries. And for that amount of money, American citizens should definitely enjoy the best health services in the world.


Get Instant Life Insurance Quotes!

But, the sad truth is we don't. And what's even sadder are the statistics that abide with those who have illnesses such as cancer. Of the 560,000 people with cancer who will die from their disease, The American Cancer Society estimates that 37,000 of those people will die with no health insurance. With alarming numbers like that, what can be done? Is there really a solution?
These people have a double battle to wage. One for their physical health, and the other for their finance health. As if facing cancer wasn't hard enough, it's unimaginable having to face it without adequate health insurance. The high cost of health care has stopped many a persons from getting preventive care, which in most cases, allows doctors to catch cancer when it's most treatable, in the early stages of the disease.

How many people have gotten the door of health insurance slammed in their faces by insurance companies who tell them they are uninsurable because they have what's deemed as a pre-existing condition? I always thought that health care was for the sick, since they are the ones who need it most. Insurance companies want to insure those who are young and healthy. But what they are doing is risky, and they are risking the lives of millions of people everyday.
It's not just the destitute who are unable to afford health insurance, these days. This grisly, greedy monster is now knocking on the doors of the middle-class and even the financially fit. With the cost of health care rising by double-digits, each year, hardly anyone is able to keep up. People are paying more for their health care coverage and getting less.

Ask yourself a question. Is anyone getting spectacular health benefits on their jobs, anymore? Look at your own situation. Are your health benefits what they used to be? Or, are you like everyone else - paying more and getting less? Even if you are still receiving great benefits on your job, count your blessings because you're among the elite few.

I don't mean to be a bearer of bad news, but the trend that is now in place is suggesting that it won't last long. More and more companies and individuals are looking for alternatives to traditional health care. And the good news is, there are wonderful alternatives available.
The best I've seen are what have been termed as Consumer Driven Health Care (CDHC) plans. Like it or not, this is where the market is going, so your best bet is to embrace it for the wonder that it is.

What it is doing is putting the delivery of health care where it ought to be - back in the hands of the consumer and not the insurance company. The plans are sold at a fraction of the cost of traditional insurance plans, and the consumer gets more for their money.

If you're faced with fighting a disease as costly as cancer can be, and you find yourself without health care coverage, it would be to your advantage to investigate a CDHC. There are reputable companies out there just waiting for you to call on them.

Don't subject yourself to the rejection of health insurance companies who don't want to help you in your time of need any longer. It's time to fight back. This time, hit them where it hurts - in their pocketbooks!



Compare Insurance Quotes and Save!



Take the time to find a Consumer Driven Health Care plan that suits the needs of you and your family. I guarantee, you'll be glad that you did.

Nicole enjoys spending time with her son, Jordan and her husband, Muri. She is also very passionate about helping people with their fight against cancer, either by assisting them with their prescription costs or offering an alternative to traditional health insurance. If you would like more information about how you can receive FREE cancer meds or if you're interested in reducing your medical bills by up to 50%, please contact Nicole.
http://www.freecancermeds.com/

Sunday, October 21, 2007

Asset Protection

By Peter J Nutter

It began coming into prominence in the late 1980s, with the advent and the marketing of offshore asset protection trusts. Depending on the creditor's intelligence and aggressiveness, timing, the debtor's risk-tolerance and other factors, the strategies discussed in this article may significantly tilt the economic equation in the debtor's favor. From a creditor's perspective, a successful fraudulent transfer challenge gives the creditor the legal right to pursue the transferred assets. Practitioners should keep in mind not only the underlying substantive law, but the obstacles presented to the creditor by the practical implications of asset protection planning. QPRTs are frequently used in estate planning and should be familiar to most estate planning attorneys. The focus of all asset protection planning is to remove the debtor from legal ownership of assets, while retaining the debtor's control over and beneficial enjoyment of the assets.


Legal Match

The debtor frequently remains in control of the entity and can defer distributions, the creditor has no way of enforcing the judgment against the debtor's LLC or limited partnership interest or the assets owned by these entities. Having a legal right to do something does not mean having the actual ability to do so, and does not mean that the pursuit of the transferred assets would be cost effective. Assets may be transferred into irrevocable trusts, sold for cash or on installment basis or encumbered. An alternative to an outright sale is the sale and leaseback of the residence to a friendly third-party on a deferred installment note. The charging order limitation limits a creditor's remedy to a lien against the distributions from the entity, without conferring on the creditor any voting or management rights. The final available alternative to protect a personal residence is by contributing the residence to a qualified personal residence trust ("QPRT").

A creditor may be able to make a successful legal argument that a given structure should not stand, and thus be able to retrieve the debtor's assets. The debtor has two asset protection choices:

(i) do nothing and stand to lose all assets when the plaintiff becomes a creditor, or
(ii) engage in some asset protection planning. Many debtors believe that simply moving money to an offshore bank account will serve as sufficient protection from creditors. Creditors do not want to play the waiting game, and would prefer to settle for a sum certain today, than wait for a possible distribution from an LLC or a limited partnership.

The three most important factors are:

(i) the identity of the creditor pursuing the client,
(ii) the nature of the assets that will be pursued by the creditor, and
(iii) the extent to which the debtor is willing to go to protect his assets. Given that the more favorable asset protection jurisdictions have a very short statute of limitation for bringing a fraudulent transfer action, require proof of intent beyond a reasonable doubt and require proof of debtor's insolvency, the creditor faces a daunting task.

If you are someone who wants real protection, a better option may be an irrevocable trust or an outright sale of the residence. A creditor's sole remedy would be to bring a fraudulent transfer action against the trustee of the foreign trust, and attempt to show that the settlement of the trust by the debtor constituted a fraudulent transfer. There is no "magic bullet" asset protection strategy; different structures are used to protect different types of assets. The specific structure best suited for each person will depend on the nature of the asset being protected. Practitioners should also consider the income tax consequences of the sale, and possible property tax consequences on the transfer of ownership. To an extent the debtor-settlor retains an interest in the trust, the trust will be deemed self-settled and will not offer the debtor any asset protection.

To find out more about Asset Protection or Asset Management please visit http://www.asset-protection.onlineoffersforyou.com/ or http://www.asset-management.onlineoffersforyou.com/

Friday, October 19, 2007

Cash advance not require a credit check

The cash advance website that do not require a credit check. The loan approval criteria are based on a few other factors that most employed people meet such as employment status, minimum income and an active checking or savings account. Some lenders charge a flat fee regardless of the length of the payday loans, while some lenders vary the interest rate depending on how long the pay day loans is left outstanding. Payday loans are a good alternative to bouncing checks, selling personal property for less than it is worth, or uncomfortable situations like borrowing money from family and friends.

Cash Advance

Most of online cash advance or pay day loans lenders require the consumer to type out an online application providing personal information, employment information, current banking and financial information, and references.
  • Being Employed for at least 3 consecutive months.
  • Earning at least $1,000 per month.
  • Having a valid checking account at least 3 months.

When application completed, they will sent to the online cash advance payday loans lender for review and approval or denial. If the applicant is approved, they will be notified that they are approved. The payday lender calculates the amount of the payday loans to be lent, usually between $100 and $1500. You can Choose one of the best cash advance or Payday loans Lender from cash advance1500.

One year you left us

One year ago.

Photobucket



Photobucket


Photobucket

Thursday, October 18, 2007

The trust resource

Hello,

I have found web resource information about products or service on the internet. If you want to know some web site products or service. The trust resource will makes reliance to you, if you can read reviews from people that have used the products or service you are interested in and will pay for buying them.


Provillus information

The provillus is the popular products in the internet for hairloss people. Provillus is the natural drug that limits the conversion of testosterone into dihydrotestosterone and in turn prevents hair loss. Provillus for women because some women found hair loss Problem. Hormonal imbalance is the main factor behind women’s hair loss. Thinning of hair can be due to an under active or over active thyroid gland. Treatment of this thyroid disease can prevent hair loss in women. So provillus is for all people used.


The trust about cash advance and payday loans

Another popular sales on the Internet is cash advance and payday loans. Personal Cash Advance is the fastest way to obtain secure, online cash advance and payday loans. Applying and qualifying for a payday loans is quick and easy, and often there are no documents to fax. If you need quick money you can found the website about cash advance and payday loans in top five ranking.

Monday, October 15, 2007

Blogger Opportunity

Here is a sponsor site for blogger who offer the opportunity just write and post some story about advertiser who want to promote the product on the powerful online market in the world. Blogger's money earned from paid posting can help bloggers to pay for anything such as advertise online, I think Bloggerwave pay highest from the other sponsor site.


Bloggerwave

For Advertiser who wants to promote your products to target customer such as book, computer software, gifts. You can promote by relevant blogs write and posting the story about your product or service.

Saturday, October 13, 2007

Lower Blood Pressure Through Relaxation?

By David O'Hara

Does relaxation (i.e. stress relief) really lower blood pressure?

This is not a simple yes or no question. The short, quick answer is yes. Take your blood pressure immediately after arriving home from work. Scary, isn’t it? As if the workday wasn't stressful enough, many of us tend to brood about it on the way home. And commuter traffic doesn’t help much either!

Now relax for 15 minutes and take your blood pressure again. If you’ve genuinely relaxed, your blood pressure is almost guaranteed to be lower, often substantially. (If either figure of your relaxed reading is still above 140/90 you may be hypertensive, although further monitoring is needed.)



browse thousands of global tours and activities


The long view…

So relaxation certainly does have the ability to relieve high blood pressure. The longer answer, however, is more complicated. That’s because blood pressure reduction from relaxation alone tends to be short-lived. Depending on many factors, your baseline blood pressure may return within minutes or hours of resuming normal activities. And if that baseline is high you have only gained a temporary reprieve from the dangers of hypertension.

So it might appear that relaxation has a valid, if limited, role in treating high blood pressure. But a new method called slow breathing with music may go a long way towards shifting this balance. So-called relaxation tapes have been around for a long time but these offer only a passive experience. You chill-out to a blissful track, your blood pressure drops and – like the proverbial Chinese food – you’re stressed out and hypertensive again three hours later!

Proactive relaxation?

Slow breathing with music, by contrast, combines relaxing music with a clinically proven natural treatment to lower blood pressure, slow breathing. This is not just a passive listening experience. The soundtrack integrates a pleasant-sounding guided breathing track with gentle, soothing music. Listeners simply synchronize their breathing with the track and relax to the music.

Extensive research has revealed that breathing at a rate below 10 breaths per minute and in a specific pattern for 10 to 15 minutes a day lowers blood pressure. What’s even more surprising is that the effects are cumulative and begin to last around the clock after just a few weeks of slow breathing – a result that relaxation does not generally achieve on its own.

It's a matter of balance

These superior results are because slow breathing does not rely on relaxation alone. Some of its benefit is no doubt due to its relaxing effect on major blood vessels in the chest, relieving the load on the heart. But slow breathing may also affect the body’s sodium uptake, a major factor in hypertension. "Slow, deep breathing does relax and dilate blood vessels temporarily, but that's not enough to explain a lasting drop in blood pressure," says Dr. David Anderson, a major slow breathing researcher with the National Institutes of Health.

Dr. Anderson believes that what he calls "inhibitory breathing" knocks the blood’s chemical balance off kilter, making it more acidic. This makes the kidneys less efficient at pumping out sodium and in turn raises blood pressure. If slow breathing does in fact relieve high blood pressure by affecting sodium levels it amounts to a powerful diuretic without side effects!

A powerful combination!

But don’t yet underestimate the power of relaxation. Ironically, the clinical trials also show that relaxation is a vital ingredient in the slow breathing formula: the more relaxed you are, the greater the benefits! Conversely, without relaxation the method simply doesn’t work.

That’s why slow breathing with music is proving so effective. Genuine music of the right type provides the essential relaxation and has therapeutic value in its own right. And one further contribution of music is the enjoyment that ensures regular use (because no program will work from the back of a drawer, which is precisely where most "relaxation tapes" end up!).

Neither relaxation nor slow breathing nor music on their own are very effective at producing lasting reductions in high blood pressure. But slow breathing with music – plus relaxation – is a powerful combination indeed.

David O'Hara is a researcher and product developer in the field of natural health and blood pressure control. Click here to find out more about lower blood pressure and stress relief using slow breathing with music.

Friday, October 12, 2007

Death of An Infant in Oaxaca, Mexico

By Alvin Starkman

Where divergent religious customs merge…

Daniel Perez Gonzalez was a beautiful baby. His parents Flor and Jorge thought so; my wife Arlene and I agreed. Few are able to share our certainty, though, because we were among the very few to see him alive. Daniel was born in a hospital in Oaxaca (wa-HAW-kah), a city of about 400,000 inhabitants high in Mexico’s Sierra Madre del Sur mountain range. I welcomed him into the world along with Arlene, our then 13-year-old daughter Sarah, and Daniel’s grandmother Chona. From the womb, the nurse passed our newest extended family member into three sets of anxiously loving arms---Chona’s, those of his big sister Carmela (Sarah’s closest friend in Oaxaca), and then Sarah.



Link to Catholic Memorials


We have a long and colorful history together, my Jewish family in my previous hometown of Toronto and my devoutly Catholic family in Oaxaca. Chona is our comadre and matriarch of her family. Not six months earlier she and her grandchildren had shouted Mazel Tov at Sarah’s Bat Mitzvah in Toronto. Over the years we have raised many a glass of mezcal (Oaxaca’s version of tequila) at milestone birthdays including quince años (the fiesta when a young girl turns fifteen, with similarities to the Bat Mitzvah); we have eaten matzoh together for Passover in Toronto; and we have welcomed many a Christmas, New Year’s and Day of The Dead celebrations together in Mexico.

But it was Daniel’s death that reinforced for me, through much laughter and many tears, the profound irrelevance of cultural differences in the face of universal rituals surrounding death.

On the day of his birth, it was easy to imagine that Daniel’s life would unfold like Sarah’s. At 8 pounds, and with a full head of black hair, the baby looked extremely healthy. Like my wife’s, Flor’s pregnancy had been full-term. Like Sarah, Daniel was born by caesarian section; like Sarah, his mother’s umbilical chord had been wrapped around his neck, causing temporary respiratory distress and the need for a few days in an incubator. But we didn’t worry, his father and cousin both obstetricians with connections in the Oaxacan medical community. He would receive the best post-natal care available, and we would dance at his wedding one day. But then their paths diverged. After two days of life, we mourned little Daniel’s death of respiratory distress, beside his coffin in Chona’s living room, with family, friends and compadres.

Between the birth and the death came a crazy-quilt of only-in-Mexico experiences that resonated with my memories of the mourning process my Canadian family had undergone when my father Sam died a few years earlier.

Most Oaxacans accept that death hits you at home---literally. Daniel left the hospital in a white, ornately-adorned satin-lined coffin, bound not for a funeral home, but for the livingroom of the family compound. Once he was settled atop a table covered with fresh linen, with a large silver crucifix behind him, my compadre Javier and I were dispatched to the Mercado de Abastos (the largest peasant market in the state), to buy white gladioli and flower arrangements. This was a far cry from the somber discussion of formal arrangements at Toronto’s Steeles Memorial after my father’s death.

In this passionate and expressive country, even death rites are incomplete without the drama of shouting and accusations. At the cemetery I learned that Daniel was to be interred in a low tomb-tike grave atop Tia Lolita (Aunty Lola), his great-great-aunt who had died in 1990, who was layered over yet another relative who had died in 1982. But when we met with the head undertaker, el presidente, at Lolita’s graveside only hours after Daniel’s death, we were advised that annual fees hadn’t been paid in ten years. Much shouting ensued, but in the end, after heated debate, el presidente had successfully “extorted”, as was his right, thousands of pesos for arrears of government taxes and administrative fees---plus about 1000 pesos in the likely event that Daniel would require a boveda (literally a vault, the rebar reinforced concrete slabs designed to keep the grave’s occupants in an orderly configuration). And we still weren’t done. Only once Chona had presented sufficient historical documents to convince everyone that she indeed had the requisite authority to bury Daniel alongside Lolita were the appropriate certificate and receipts issued.

Back at Chona’s home mourners had begun to arrive. Shortly thereafter Jorge and I dropped off 150 various pastries, to be used to dip into the traditional hot chocolate served to those attending such gatherings. I then experienced another profound frisson of déjà vu. The notably slower pace of Oaxaca’s mañana society was gone. With efficient dispatch, Chona and family transformed the home into a grieving chamber, arranging for necessities such as chair rentals, and ordering attendees off to kitchen duty. There under Chona’s roof I traveled back in time to my mother’s kitchen, crowded with friends and relatives I hadn’t seen in years, just after my father’s funeral. I could hear my mother’s friend Rayla organizing who would bring what meals into our home during shiva.

Then there were the inevitable tragicomic moments. When I gave my father’s eulogy, I couldn’t resist telling a story about him that made reference to a shared moment that involved passing gas. In Mexico, the black humor of death is even more visceral. When Chona and I went back to the cemetery to ensure that preparations for the burial were well underway, we found His Highness and his aide a half-foot down, at the top concrete plate of the vault---along with part of a human jawbone. Chona was outraged, and began shouting, “that can’t be Tia Lolita!” We came up with many theories for the mystery bone, all revolving around the amorous activities of the dead, none repeatable in this newspaper. That kept us going until we finally came across the complete skull of Tia Lolita, still covered with the traditional fine headcloth to prevent mosquito bites. We ultimately concluded that a few years back someone else had been buried alongside Lola. Mystery of the extra jawbone solved. Here in southern Mexico, multiple burials in the same grave, at times at different levels, and at times involving the removal of bones after several years of non-payment of fees, may occur. In any event, in return for a handsome gratuity el presidente agreed to clear away a spot for Daniel’s cajita (little coffin, or literally, box), and hide Lolita’s head and any other remaining bones in a sack at one end of the grave opening. The funeral would take place the next day, not unlike the dispatch with which Jews bury their dead---but very different from the traditional adult Oaxacan death custom characterized by several days of prayer, visitation and other rituals prior to burial, similar in purpose and function to the Jewish period of shiva after the interment.

Later that evening back at the house, we listened to a cassette recording of nursery rhymes. Although we in the Judaic tradition are not permitted music during mourning, these tunes seemed appropriate. Arlene tenderly placed a small rattle beside Daniel, in accordance with local custom. A young woman led a 20-minute prayer, strikingly similar in nature to Kaddish in a Shiva home. Then more food--- mole negro (chicken stew in a rich sauce of chilies and chocolate) with buns, tortillas and salsa---and more prayer. When the padre finally arrived late, there was the obligatory humour about the clergy; someone joked that he had just shown up for a meal.

By the following afternoon, we were placing a bountiful display of flowers into the back of a pick-up. Javier and I took final photographs of the baby, and then Jorge placed his son into the back of a 1980s white stationwagon, for his final journey.

The cemetery ritual combined the continuing familiarity of my own Canadian experiences with Mexicana. A few soft prayers, a few handsful of earth placed atop the coffin, and incongruously our two congenial cemetery workers placed the concrete slab back between the remaining portions of the lid to the vault, then mixed and applied cement to seal the boveda. Reminiscent of Jewish custom, Chona asked Javier and I to assist with the shoveling of earth, then invited everyone home for a large luncheon.

Back at the house there was no music. Idle chatter took its place. Eventually, once most of the people had left, and only the barren white altar and the slowly burning mourners’ candles remained, Arlene and I decided to go downtown for a walk, sad and emotionally drained, but oddly comforted. After a Oaxacan funeral for a Catholic baby, I felt exactly the way I did the first time I walked outside after arising from my father’s shiva.

Alvin Starkman, M.A., LL.B., is a resident of Oaxaca, Mexico, and together with wife Arlene operates Casa Machaya Oaxaca Bed & Breakfast ( http://www.oaxacadream.com/ ). Mr. Starkman received his Masters degree in Social Anthropology from York University in Toronto in 1978, taught for a few years, and subsequently began attending Osgoode Hall Law School, becoming licensed by the Law Society of Upper Canada in 1986. Until 2004 he was a partner at Banks & Starkman, Barristers & Solicitors, specializing in family law, with employment law, personal injuries and commercial litigation rounding out his practice. A frequent traveler to Oaxaca since 1991, it was not until he ceased practicing law that he took up permanent residence in the state capital. Mr. Starkman takes groups of up to 4 people to tour craft villages, towns on their market days, ruins and other sites depending on his clients’ interests; and writes articles about life and the multiplicity of cultural traditions in Oaxaca, and about antiques and the law.

Thursday, October 11, 2007

Road To Recovery

Recovering from an injury, illness or operation begins with rehabilitation. It’s a process that can be both physically and emotionally challenging. That’s why choosing the best facility is so important.

The patient or family member making the decisions need to work close with the referring physician, who can provide vital information to better understand the rehabilitation process, evaluate the options and help make an informed decision on the available choices.

Successful rehabilitation combines the efforts of physical, occupational and speech therapies with rehabilitative nursing, social services and sound medical direction.


Get Instant Life Insurance Quotes!

Physical Therapy

Physical Therapy is designed to meet the needs of those patients who have lost functional independence as a result of injury or illness.

This therapy helps patients regain strength and balance, mobility and walking skills, and to recover from painful injuries.

Occupational Therapy

Occupational Therapy provides therapeutic activities that are intended to help residents achieve the highest level of independence in daily life. It teaches self-care skills, including eating, dressing, grooming, as well as mobility from bed to wheelchair or toileting and bathing.

This type of therapy also aids in easing emotional and social adjustment. Speech Therapy This is geared specifically for people with speech, language, swallowing or hearing disorders. This therapy teaches patients to speak more clearly, swallow without difficulty and use hearing aids effectively.

“Every rehabilitative facility is unique,” states James Elton administrator for Manor Care Health Services, South Ogden Utah. “Getting the combination of therapies, nursing and social services, and medical support that best suits the needs of you or a loved one can often be a challenge. Work close with your or your loved one’s discharge planner and primary physician to talk about the condition and rehabilitative needs as well as transitional rehabilitative support from hospital to home.”

Every individual is unique. So, too, is the type of care required. Understanding your loved one’s physical and mental well-being is necessary in determining the type of care that is best for him or her. Transitioning from a hospital back home can be difficult without the proper rehabilitation services.

by Victor R. Harris
Simply Seniors News staff
http://www.simplyseniorsnews.com

Wednesday, October 10, 2007

Funeral Myths - Illegal and Unscrupulous Practices

By Michael Russell

Funerals are a big, multi-million dollar business. There are plenty of compassionate funeral directors and funeral homes that exist but unfortunately, there are just as many funeral professionals that operate unethically. This article will help to dispel the myths that are associated with funerals.

You may be pressured into embalming your deceased loved one. The funeral director may tell you that embalming is a legal requirement. The truth is that embalming is not required for the first 24 hours. Some states do not require it at all. An alternative to embalming is refrigeration.



Link to Christian Memorials


A viewing is needed for close friends and family members for "closure". This is not true. In fact, most family members and friends have already started their "good-byes" when death is anticipated. There was a study commissioned by the funeral industry that states that 32% of people interviewed found the viewing experience unpleasant.

Purchase a more expensive, protective casket to protect the body. Why on earth do you want to protect the body? Nothing that the traditional funeral industry sells will preserve the body forever. The body will decompose eventually, regardless of the casket. A casket with a gasket or sealer interferes with the natural dehydration of the body. Fluids are released from the body as it decomposes and the casket will rust from the inside.

You must purchase an urn to place cremated remains and put the urn in a cemetery lot or niche. There is no reason you cannot keep the cremated remains in the box that the crematory gives you. It is legal to scatter or bury the cremated remains on private property, as long as the land owner approves. Cremation means there is no longer any health hazard so it is considered "final disposition".

Prepaying for a funeral is smart because it will lock in a lower price. Funeral homes want you to prepay because this allows them to capture more market share and they get your money now. Some people move, die while traveling, or simply change their minds and they may not get any money returned or get their money transferred to another funeral home. It is smarter to keep your money in a bank where it can earn interest. This should let you keep up with inflation and help you stay in control.

Prepaying for a funeral takes care of everything. Many items found on final funeral bills cannot be included in a "pre-need" contract because these items are purchased from third parties. These items cannot be calculated prior to death. Some example of the third party items are flowers, autopsy, clergy honoraria and obituary notices. These items are paid for by the estate or the family, in addition to what has to be prepaid.

If I have insurance, I can pay my funeral with this money. Statistics show that interest accrued by an insurance policy may be outpaced by funeral inflation. You can usually earn more money in a trust. Some shady funeral operators figure out a way to have the family pay more if they want to pay with funeral insurance. An example is, "The casket your mother picked out is no longer available. Please pick another one out and the prices have gone up".

Unfortunately, I have had to outline some of the unscrupulous practices in the funeral industry. With a little education and some planning, more people should be able to have a funeral without falling for these dishonest ploys.


Michael Russell
Your Independent guide to Funerals

Sunday, October 07, 2007

How To Read A General Price List For A Funeral

By Michael Russell

Death and taxes are the only sure thing in life. This article will help with the death portion. Since a funeral has many intricacies, this will help to explain a funeral home's General Price List (GPL). This list gives details about the goods and services that the funeral home offers, including the price of each.


Write Great Eulogy - Guide By Prof Funeral Presider, W/ Samples, Poems, Quotes.

The Federal Trade Commission has mandated a Funeral Rule that states that funeral homes must give customers a GPL at the beginning of any discussion of arrangements. You should be given a copy to keep. It is most prudent to discuss the GPL in private with your family and close friends. This way you can make an informed decision without the selling tactics of the funeral director.

All GPLs have certain disclosures printed on them. They must state that:

. consumers may select only the goods and services they desire

. embalming is only required by law in certain special cases

. a basic services fee will be added

. for cremation, you can purchase an "alternative container". This option is usually much less expensive.

. A price list for caskets is available

. A price list for vaults is available

GPLs must list the following prices of these items if the funeral home offers these services:

. Embalming charge

. Retrieval of body

. Viewing price

. Funeral or memorial service

. Funeral vehicle rental

Reading the GPL can seem quite daunting to people, especially if they have just experienced a death in the family. Funeral homes use the tactic of listing "packages" on the first few pages and then listing the individual services on the last page. This serves to discourage people from price comparison because it they often get tired prior to reaching the itemized list. To be fair, buying a package deal may offer savings but only if you want all the items.

Direct cremation and immediate burial, the simplest options when it comes to funerals, include body pickup, basic services fee, death certificate filing and transportation to the cemetery or crematory. If you are opting for cremation, be sure to inquire about the crematory fee. Many funeral homes do not include this fee in their price.

If you want a more complex service, you must start with the basic services fee. This is the only fee on the GPL that the customer must pay. This will cover the death certificate filing, obtaining copies of the death certificate for the family, coordination with the cemetery or crematory and filing for insurance, veterans, or Social Security benefits. These are services that are common to most arrangements.

The Funeral Consumers Alliance has reviewed tens of thousands of GPLs over the years. At least 50% do not comply with FTC rules. If you are dealing with a funeral home that has a GPL that is overtly out of compliance, you are dealing with a business that is unethical. I have listed some of the most common violations:

. For immediate burial, charging a higher price if you purchase the casket outside of the funeral home. Not giving you the choice of "disinfecting/basic care of the remains."

. Adding "supervising a funeral service" into the basic services fee

GPLs are not complicated documents but they must be read carefully and thoroughly. Unfortunately, the timing that necessitates the review of the GPL makes it prudent to confer with family and close friends prior to making any decisions about the funeral process. A GPL is a valuable and necessary document and it should be carefully reviewed in order to make smart financial decisions about a funeral service.

Michael Russell

Your Independent guide to Funerals

Saturday, October 06, 2007

Missing In Action

By Rick Hayes

"We lost our dear loved one the other day; he was eighty seven years old and had a full and rich life."

I had to pause mentally for a moment when a friend shared this thought during a conversation. Her emotion expressed a state of remorse with shadows of hopelessness. I acknowledged sincere condolences and with a whispered tone shared feelings that “he is enjoying peace and happiness now”. My friend continued to share the details of the funeral arrangements and how “he would have wanted it this way”. Once again I paused, but without verbally sharing my thought, I begin to wonder how my friend’s apparent thoughts were of the past tense. It was as though the loved one is ‘missing in action’ and never to be seen again.

For centuries, the media utilized the phrase 'missing in action' during the trials of disagreements between countries. A definition that is described as a loved one currently missing physically, but filled with hope and faith that the loved one will be found and brought home. The reasons for such trials are never fully understood, and the heartbreak for the missing is devastating. As time continues, faith and hope is replaced with sadness and a sense that the loved one will no longer be found. The heart becomes filled with grief of life itself, and the pondering of reasons for such trials.



Link to Christian Memorials


Words cannot describe the feelings.

I can recall a particular trial of disagreement between countries whereby the term ‘missing in action’ was a daily phrase. Each day the media would announce the casualties along with those ‘missing in action’. With each announcement, the viewers would feel a bit more sadness. As the time of this trial continued down a long path, even the media members themselves began to show signs of empty hope and faith. Just as the cold hollows of despair began to replace the hope and faith within, an experience never to be forgotten took place.

Action took place and a few of the missing came home.

I begin to think about my friend’s thoughts, and how it is a common earthly emotion to wonder if it will be the last time to feel the embrace of a loved one who has moved on. How we enter into our vocabulary words of past tense; such as had a full life and would have wanted it this way. The sudden loss soon creates the hollows of despair but still includes the feint shadows of faith and hope within.

My personal experiences have continued to share within that life is eternally filled with the riches of happiness and peace in which we in our earthly plan cannot comprehend. Loved ones who have moved on continue to guide and protect, for this is how they would want it to be. They truly understand our sadness for missing them, as it is simply due to how much they are truly loved.

Loved ones who have moved on are not truly missing...

They are still in action around us is guidance and love.

Rick Hayes is the founder of LifesGift, an association that supports his psychic medium abilities. As a Paranormal Communications Consultant, Rick consults on a daily basis with those that have questions regarding life after death and one's daily path on earth.

Born and raised in a Christian environment, his belief that our creator has given to us the gift of everlasting life through faith has remained throughout his earthly plan.

As a published author, Rick writes a column for the LifesGift website (Rick's LifesNotes) where he shares his thoughts of life and life-everlasting. His articles have also appeared on numerous websites and publications.

Rick has recently co-authored a published book titled "You're Not Crazy, You Have A Ghost" and the newly released "Stepping Stones-Thoughts Along Life's Path".

As a speaker and lecturer, Rick shares his thoughts on life and life-everlasting with a friendly and comfortable demeanor. Rick has appeared on television, radio, and live events. For more information visit http://www.lifesgift.com/

Friday, October 05, 2007

Cash Advance and Payday Loans

I would like to tell you about cash advance and payday loans do NOT require a credit check. The loan approval criteria is based on a few other factors that most employed people meet such as employment status, minimum income and an active checking or savings account. Some lenders charge a flat fee regardless of the length of the payday loans, while some lenders vary the interest rate depending on how long the payday loan is left outstanding.


The majority of payday loans lenders and allow clients the option of “rolling over” a loan, meaning that the loan is extended to the next payday and the subsequent fees are doubled. Consumers may use payday loans to avoid late-payment penalties and negative marks on credit ratings. Many people have a need from time to time for short-term financial assistance and payday loans provide a viable solution.

If you're planning on applying for a cash advance please go to this site. CashAdvance1500.com can help you with your cash advance needs.


Monday, October 01, 2007

Death Knows No Bounds

By Joe Pagano

Having just returned from the wake of a friend whose sister was killed in an apparent murder-suicide, I found myself wondering about the fragility of life and how close we all are to the portal of death. This too was the second time in a month that I was in the same funeral parlor room, the first time to pay my respects to a beautiful young woman of forty-four years who succumbed to Lou Gherig’s disease, whose middle son was good friends with my younger son; and now to pay my respects to the two brothers of this thirty-two year old beautiful woman who was murdered by her husband. What made these two wakes particularly tragic was that each woman left behind young children, each was both beautiful and young, and each had great families and very successful lives from a financial perspective.


Link to Catholic Memorials

Coming home emotionally drained from this wake, I realized that life is too tenuous for us to become bogged down in the trifling cares that trouble us daily. The experience of the wake—my having sat through a constant outpouring of grief and wailing—made me realize that I too should trust more in God to assuage my hurts and frustrations and not to trust too much in the whimsical nature of this thing we call life. This whole experience reminded me too of what a bible-teacher friend of mine once said after I was relating to him some of the trauma I was going through after having lost my job for the fourth or fifth time. He said Joe, “We’re all only five minutes away from calamity.” I’ve come to realize that too often we may look at others and wish that we had their lives, sometimes because the pain of our own lives is too unbearable, yet we do such wishing without realizing that nobody escapes the pains and trials of this world.

Thus I come away sad from this wake and I now know that I must continue to trust in God for my hope in this world and the one to come. With the realization that as humans we may only be five minutes away from calamity, we should try to be more helpful and loving to each other; for as we adopt this attitude, the world truly does change for the better, and that thing we call calamity might be avoidable after all.

See more at Inspirational Articles

Joe is a prolific writer of self-help and educational material and an award-winning former teacher of both college and high school mathematics. Under the penname, JC Page, Joe authored Arithmetic Magic, the little classic on the ABC’s of arithmetic. Joe is also author of the charming self-help ebook, Making a Good Impression Every Time: The Secret to Instant Popularity; the original collection of poetry, Poems for the Mathematically Insecure, and the short but highly effective fraction troubleshooter Fractions for the Faint of Heart. The diverse genre of his writings (novel, short story, essay, script, and poetry)—particularly in regard to its educational flavor— continues to captivate readers and to earn him recognition.

Joe propagates his teaching philosophy through his articles and books and is dedicated to helping educate children living in impoverished countries. Toward this end, he donates a portion of the proceeds from the sale of every ebook. For more information go to http://www.mathbyjoe.com/