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Monday, March 11, 2013
City Council speaker launches NYC mayoral bid
FILE - In this Wednesday, May 9, 2012 file photo, New York City Council speaker Christine Quinn laughs during a news conference at City Hall in New York. Quinn, a Democrat, announced through her Twitter feed Sunday, March 10, 2013, that she's in the race to succeed Mayor Michael Bloomberg. (AP Photo/Seth Wenig, File)
FILE - In this Wednesday, May 9, 2012 file photo, New York City Council speaker Christine Quinn laughs during a news conference at City Hall in New York. Quinn, a Democrat, announced through her Twitter feed Sunday, March 10, 2013, that she's in the race to succeed Mayor Michael Bloomberg. (AP Photo/Seth Wenig, File)
NEW YORK (AP) ? Long seen as a leading contender, City Council Speaker Christine Quinn formally launched Sunday what she hopes will be a history-making mayoral bid.
A veteran of city politics, Quinn would be a groundbreaking mayor across two personal dimensions: She would be the first female and first openly gay mayor to lead the nation's largest city.
Announcing through her Twitter feed that she's in the race, Quinn said she wanted to give middle- and working-class New Yorkers the same opportunities generations of her family got when they came here.
"I'm running for mayor because I love this city. It's the greatest place in the world," she said in a video linked to her post, before setting out to start what she called a walk-and-talk tour intended to take her to every neighborhood in the city before the Democratic primary in September.
A former tenant organizer and director of a gay and lesbian advocacy group, Quinn, 46, has been on the City Council since 1999 and its leader since 2006. The position has afforded her considerable exposure going into the crowded field of candidates vying to succeed term-limited Mayor Michael Bloomberg.
She's enjoyed a considerable edge over other Democratic contenders in polls. A Quinnipiac University poll late last month gave her 37 percent of the Democratic vote, while her opponents each got less than 15 percent. Registered Democrats outnumber Republicans more than 6 to 1 in the city, though that hasn't translated into Democratic success in a mayor's race since 1989.
Quinn has generally been perceived as likely to get the Republican-turned-independent Bloomberg's backing, and with it support from business leaders.
Some of her Democratic opponents have tried to use that against her, suggesting Quinn is too close to a mayor they say has sometimes turned a cold shoulder to the concerns of middle-class and working-class New Yorkers. Opponents have faulted her, for example, for joining Bloomberg in opposing a plan to require businesses with at least five employees to provide paid sick leave. Quinn has said it's a worthy goal, but now is not the economic time to do it.
She also has taken heat for helping Bloomberg get the council to agree to extend term limits so he could run for a third time in 2008, without asking the voters who had approved a two-term limit twice in the 1990s.
In office, Quinn leads 50 other council members and largely controls what proposals come to a vote. Under her leadership, the council has taken on matters including requiring electronics manufacturers to collect their products for recycling, making it tougher for immigration officials to deport people being released from city jails or police custody and barring employers from discriminating against unemployed job applicants ? the last of which Bloomberg vetoed. Quinn has vowed the council will override his veto.
Quinn and her longtime partner, products liability lawyer Kim Catullo, married last year after more than a decade together. Their wedding guest list was a who's-who of New York politics, with Gov. Andrew Cuomo, Bloomberg and many other officeholders in attendance.
The year before, Quinn had invoked her personal story in lobbying state lawmakers to legalize gay marriage, a cause Cuomo championed. She called it "one of the best feelings I have ever had in my life" when the measure passed in June 2011.
Her announced and likely Democratic opponents include former City Councilman Sal Albanese; Public Advocate Bill de Blasio; Comptroller John Liu; and former Comptroller Bill Thompson.
Republican contenders include former Metropolitan Transportation Authority Chairman Joseph Lhota; Tom Allon, a publisher; billionaire businessman John Catsimatidis; and George McDonald, the head of a nonprofit that helps the homeless.
Former Bronx borough president and federal housing official Adolfo Carrion, a former Democrat who is now unaffiliated, is running on the Independence Party line and seeking Republican backing.
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Follow Jennifer Peltz at http://twitter.com/jennpeltz
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Long to-do list awaits the next pope
VATICAN CITY (AP) ? The moment Cardinal Albino Luciani learned his colleagues had elected him pope, he responded: "May God forgive you for what you've done." The remark, by the man who became Pope John Paul I, was seen as an expression of humility ? but also a commentary on the mammoth task ahead.
There is no job like that of pope. He is the CEO of a global enterprise, head of state, a moral voice in the world and, in the eyes of Roman Catholics, Christ's representative on earth.
And the man who emerges as pontiff from the conclave starting Tuesday has a particularly crushing to-do list.
Here are some of the challenges awaiting the next pope:
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REFORM: The next pope will have to restore discipline to the scandal-plagued central administration of the church. Benedict XVI, the former pope, commissioned a report on the Vatican bureaucracy, or Curia, that will be shown only to his successor. Benedict's butler had leaked the pope's private papers revealing feuding, corruption and cronyism at the highest levels of administration. The secretive Vatican bank recently ousted a president for incompetence and is under pressure for greater financial transparency. Bishops in several countries say nonresponsive Vatican officials are hampering local churches. The Curia decides everything from bishop appointments and liturgy, to parish closings and discipline for abusive priests.
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SEX ABUSE: The Vatican remains under pressure to reveal more about its past role in the church's failures to protect children worldwide. The issue erupted ahead of the conclave, when victims from the U.S., Chile and Mexico pressured cardinals to recuse themselves because they had shielded priests from prosecution. Benedict instructed bishops around the world to craft policies to keep abusers from the priesthood, but church leaders in some nations haven't yet complied. "There's still the victims," Chicago Cardinal Francis George said in a news conference last week. "The wound is still deep in their hearts, and as long as it's with them it will be with us. The pope has to keep this in mind."
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EMPTY PEWS: Secularism has already taken a toll on churches in Europe and the U.S., where a growing number of people don't identify with a faith. The move away from organized religion is also hurting parishes in Latin America. Churches in Brazil and other predominantly Catholic countries in South America already had been losing members to the spirited worship found in independent Pentecostal movements. As the church loses members, it also loses influence in public life in many countries. Church opposition to same-sex marriage has been largely ineffective in the West. The next pope must be a missionary-in-chief, with the gravitas, charisma and personal holiness to bring Catholics back to church.
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EMPTY PULPITS: Europe and North America need more priests. Clergy in developing countries need more resources. And everywhere, priests are struggling with the outsized burdens of the modern-day pastor. The job requires fundraising, personal counseling and an ability to uphold doctrine, often to Catholics who don't want to listen. The abuse crisis, meanwhile, casts a shadow on today's clergy, even though most known molestation cases occurred decades ago. In recent years, some priests have made their own proposals to strengthen their ranks. Clergy in heavily Catholic Austria in 2011 called for ordaining women and relaxing the celibacy requirement. Benedict rebuked them.
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RELIGIOUS PERSECUTION: Catholics and other Christians live as religious minorities in many countries, including Syria, India and China, where they face discrimination, government interference and, in many cases, violence as they try to practice their faith. The issue is a rare one that unites religious leaders across faiths. The pope is considered a key voice in the fight. Some of the tougher conditions are in Muslim nations, which often ban and punish Christian evangelizing. Addressing the issue requires utmost diplomacy; a misstep can cost lives.
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GLOBALIZATION: While the church is shrinking in the West, it's booming in Africa and Asia. The new pope will have to shift much of his attention to the challenges for these relatively new dioceses: a life-and-death fight against poverty; threats from radical Muslim movements; and maintaining Catholic orthodoxy while leaving room for local styles of worship.
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OTHER FAITHS: The new pope will have to keep up friendships with a long list of other Christian groups and other religions, including Orthodox Christians, Anglicans and Jews. But his most pressing task will be navigating relations with Islam. The importance of the issue was made starkly clear in the fallout from Benedict's 2006 speech in Regensburg, Germany, in which he cited the words of a Byzantine emperor who characterized some teachings of the Prophet Muhammad as "evil and inhuman." Benedict made many efforts to mend fences, including praying beside an imam that same year at the historic Blue Mosque in Istanbul.
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UNITY: The next pontiff inherits a church divided over the role of lay people and women, on doctrine and social justice teaching ? even on what is required to be considered Catholic. In Benedict's final audience with cardinals, he urged them to work "like an orchestra" where "agreement and harmony" can be reached despite diversity. He could have been talking to the whole church.
Cardinal Angelo ScolaCountry: Italy
Age: 71
Titles: Cardinal-Priest of Santi XII Apostoli; Archbishop of Milan
Scola is one of the front-runners to be selected, after many considered him a candidate ... more?
Cardinal Angelo ScolaCountry: Italy
Age: 71
Titles: Cardinal-Priest of Santi XII Apostoli; Archbishop of Milan
Scola is one of the front-runners to be selected, after many considered him a candidate following John Paul II's death in 2005. More academic than pastoral, Scola has published over 100 articles in journals of philosophy and theology and is the founder of Oasis, an organization that seeks to bolster the relationship between the Western and Muslim worlds. less?
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Follow Rachel Zoll at www.twitter.com/rzollAP
Source: http://news.yahoo.com/heavy-workload-awaits-next-pope-church-turmoil-164626575.html
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Dave Barry's Blog: INSURANCE PROFESSIONAL OF THE WEEK
Actually, I've known some insurance agents, and I would say they would NEVER get tired of a nickname like that. Never, ever, ever. We're talking illustrated stationery.
queensbee - he's here in Atlanta (not far from me) In as much as there are almost no native Georgians in Atlanta, he's likely from Up Nawth,from whence they have exported their worst drivers, making this a paradise for carpetbagging insurance agents.
So true Pogo. I am a native Georgian so I appreciate that. btw, my insurance man's last name is Pecker. I find it hard to discuss my insurance needs with him sometimes. ISIANMTU.
Source: http://blogs.herald.com/dave_barrys_blog/2013/03/insurance-professional-of-the-week.html
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Sunday, March 10, 2013
Spiritual craft: Meet the pope's shoemaker
Carlo Angerer / NBC News
Adriano Stefanelli has been making shoes for decades, but it wasn't until
By Carlo Angerer, Producer, NBC News
NOVARA, Italy -- When the white smoke will mark the election of a new pope later this month, Adriano Stefanelli will stand at the ready with nails, leather and his hammer by his side.
Stefanelli, 64, is the pope?s shoemaker, commissioned by the Vatican, and he said he will work day and night to manufacture the next pope?s new custom-made shoes as quickly as possible.
?All I need to know is the shoe size and what color the new pope wants,? he said during an interview with NBC News in his small corner store in Novara, in northern Italy. ?I hope to finish the shoes in about 10 days.?
Normally the process takes about a month, with Stefanelli working on the special shoes during his free time. He makes a living by selling his line of shoes exclusively in his small shop, which his father founded in 1954 and where Stefanelli has been working since he was 14. The handmade shoes are only gifted to a small circle of special people picked by Stefanelli himself, a group that has included U.S. presidents.
Carlo Angerer / NBC News
Stefanelli created the flashy red shoes Pope Benedict XVI wore during most public audiences in the Vatican and on foreign trips. That garnered Benedict the title ?Accessorizer of the Year? by Esquire Magazine in 2007.
Rumors abounded that the pope wore Prada. When the Italian fashion behemoth didn?t deny the rumors, the Vatican publicly announced that Stefanelli was the creator of the red shoes.
Stefanelli proudly showed us a letter from Benedict?s secretary, Georg G?nswein, requesting a new pair of shoes for the pope.?Stefanelli?doesn't charge the Vatican for the papal shoes; he?calls?the shoes a "regalo,"?Italian for gift, and said, ?I?m not doing this for business purposes; I want to show the quality of Italian craftsmanship.?
And others have been impressed, as well. When President George W. Bush saw the pope?s red shoes during his U.S. visit in 2008, he immediately requested a pair in black. Stefanelli also sent shoes to the Obamas, receiving a thank you letter from the White House.
Carlo Angerer / NBC News
Stefanelli's decision to deliver shoes to the pope was prompted by Pope John Paul II?s illness.
?I began to think, 'What can I do to ease his pain?'? he said. ?And the answer was that I can make shoes, so let?s make shoes. I started and made the first pair, they fit the pope well, and I continued until now.?
Stefanelli said he?s looking forward to making the next pope?s shoes, not only to show his craftsmanship, but also because it is a spiritual matter for this Catholic shoemaker.
?When you are working for the Holy Father, you try and do your best,? he said. ?Spirituality is there because you are working for someone not only important but also charismatic and that has strength for the faithful ? that has deep meaning.?
As cardinals gather at the Vatican to make their selection, behind the scenes skilled artisans hidden away in the side streets of Rome are already hard at work for the next pope. NBC's Keir Simmons reports.
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What New Moms Don't Know: You May Need Physical Therapy ...
The arrival of your bundle of joy is one of the happiest, life changing moments you?ll experience. You?ve read the books, visited blogs and websites and talked to other moms, but there?s one important thing many women are NOT prepared for: the physical stress on your body that continues after delivery.?
See if any of these apply to you:
- Do you have pain or discomfort that you did not have pre-pregnancy or pre-partum?
- Do you accidentally squirt (leak urine) when you laugh, sneeze, cough, jump or do just about anything?
- Have you been unable to _________________ (enter your favorite pre-pregnancy activity) because of pain/weakness/squirting?
- Do you have pain in your low back, buttock, or down your leg?
- Have you avoided intimacy with your partner because of pelvic floor pain/discomfort?
No doubt the majority of you answered ?yes? to one (if not all) of the above questions. The good news: you are not alone, and you are not without a solution!
Physical Therapist: a new mom?s best friend
A physical therapist can help you get your life and body back. Physical therapy can help all of these issues without medication, surgery, adult diapers or abstinence.
Most people, including doctors, don?t know that there is a field in the profession of physical therapy dedicated to the diagnosis, treatment and prevention of woman?s health issues. These include (but are not limited to) pelvic floor pain, sexual dysfunction, incontinence, low back pain, sciatica, and the female athlete triad. While these issues are quite personal, if left untreated, they can significantly impact a new mother?s quality and enjoyment of life.
Back Pain?
The most universal issue that post-partum woman deal with is low back pain and sciatica. During pregnancy, specific hormones are produced causing the mother?s ligaments to become laxed. When this happens, the pelvic bones and lumbar (low back) spine segments begin to shift and rotate.
Picture your pelvis as the foundation and cornerstone of force transmission in the body?when it is ?out of whack,? then everything else is ?out of whack.? All of the muscles that attach to the pelvis ? there are about 35 ? will respond to these shifts in their foundation by going into muscle spasms. This subsequently causes pain in the low back and buttock, and when tight muscles put pressure on the sciatic nerve, pain down the leg as well.
If left untreated, the new mother has the potential to have a lifetime of back pain. A physical therapist will stop and reverse this pain, muscle spasm, and low back instability with manual and massage therapy, modalities, therapeutic exercises (core program, yoga, Pilates, etc.) and aquatic therapy.
The ?I? Word
Another issue most new mom?s deal with, even if they don?t like to talk about it, is incontinence. During vaginal delivery, the pelvic floor stretches significantly and sometimes tears. Doctors will often make a cut through the pelvic floor prior to delivery (episiotomy) in effort to avoid tearing. When a muscle is torn or cut, it is unable to work as effectively as it did prior to injury. Physical therapists who specialize in women?s health can retrain your post-partum pelvic floor using weight training (yes, weight training), Kegel exercises and biofeedback in order to discontinue unwanted incontinent episodes.
C-Section Scars
For those that delivered via cesarean section, there is a high prevalence of back pain following any major abdominal surgery due to several factors, including:
1. Scarring underneath the skin and subcutaneous tissue becomes very dense and adheres itself to anything and everything, and
2. Cutting through the abdominal muscles vastly changes the stability of the core (and low back).
Physical therapists are highly trained in myofascial release and massage for scar tissue. They also understand the mechanics of how ?the core? (a group of muscles consisting of the abdominals, paraspinals, diaphragm and pelvic floor) functions synergistically to optimize low back health. Your physical therapist can guide you through an exercise program targeted at retraining your abdominal muscles to reestablish your core, as well as provide you with a home exercise program to continue core training as a part of your daily routine.
It is important to remember that just as you can choose which doctor you go to, you can also choose your physical therapist.? Look for a women?s health specialist near you so that you back to the things you love doing!
Claire Melebeck
Claire Melebeck, PT, DPT, is a 2009 graduate of LSU Health Sciences?Center in Shreveport where she received her 
Doctorate in Physical Therapy. Claire stayed with the LSU system for an additional year to complete a residency in orthopedics and practice management. Claire is a manual physical therapist who specializes in the treatment of patients with neuro-musculo-skeletal pain syndromes and women?s health issues. Her primary areas of interest are headache, TMJ syndrome, and chronic pain.
About Guest Blogger
Are you interested in being a guest blogger for New Orleans Moms Blog? If you're local and you're a mom (or have awesome and relevant information for local moms), we'd love to hear your ideas! Email us at info (at) neworleansmomsblog (dot) com.Source: http://www.neworleansmomsblog.com/2013/03/09/what-new-moms-dont-know-you-may-need-physical-therapy/
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Saturday, March 9, 2013
Yankees closer Rivera says this is final season
New York Yankees pitcher Mariano Rivera, who holds baseball's all-time saves record, announces his plans to retire at the end of the 2013 season during a news conference at Steinbrenner Field, Saturday, March 9, 2013, in Tampa, Fla. (AP Photo/Kathy Willens)
New York Yankees pitcher Mariano Rivera, who holds baseball's all-time saves record, announces his plans to retire at the end of the 2013 season during a news conference at Steinbrenner Field, Saturday, March 9, 2013, in Tampa, Fla. (AP Photo/Kathy Willens)
New York Yankees pitcher Mariano Rivera, who holds baseball's all-time saves record, announces his plans to retire at the end of the 2013 season during a news conference at Steinbrenner Field Saturday, March 9, 2013 in Tampa, Fla. (AP Photo/Kathy Willens)
New York Yankees shortstop Derek Jeter, lower left, and pitcher Andy Pettitte, sit with coaches behind them as they watch Mariano Rivera, who holds baseball's all-time saves record, announce his plans to retire at the end of the 2013 season at a news conference at Steinbrenner Field Saturday, March 9, 2013 in Tampa, Fla. The entire Yankees team showed up to hear the announcement. (AP Photo/Kathy Willens)
Hall of Famer Reggie Jackson, far left, snaps a photo as he sits beside New York Yankees shortstop Derek Jeter, center, and pitcher Andy Pettitte, right, as they watch Yankees pitcher Mariano Rivera, who holds baseball's all-time saves record, announce his plans to retire at the end of the 2013 season during a news conference at Steinbrenner Field Saturday, March 9, 2013 in Tampa, Fla. (AP Photo/Kathy Willens)
New York Yankees pitcher Mariano Rivera, who holds baseball's all-time saves record, walks with his wife Clara, far left, and his son Jaziel, followed by Yankees shortstop Derek Jeter, before announcing his plans to retire at the end of the 2013 season at a news conference at Steinbrenner Field Saturday, March 9, 2013 in Tampa, Fla. (AP Photo/Kathy Willens)
TAMPA, Fla. (AP) ? Saying he made the decision before arriving at spring training, Mariano Rivera announced Saturday that he will retire at the end of the season and hopes to cap his record-setting career by winning another World Series with the New York Yankees.
Rivera was surrounded by family and teammates when he made the announcement during a news conference at the team's complex.
The 43-year-old has a clear vision of how he wants his career to end.
"The last game I hope will be throwing the last pitch in the World Series," he said. "Winning the World Series, that would be my ambition."
With the entire Yankees' team looking on ? including longtime teammates Derek Jeter and Andy Pettitte ? Rivera said he knew the time was right for his decision.
"I have just a few bullets left," he said.
Rivera holds the career saves record with 608 and has helped the Yankees win five World Series titles. He is regarded as the greatest closer of all time, whether he's throwing his cut fastball in the regular season or postseason.
"We just have a special relationship," Pettitte said. "I don't know how to explain it. Obviously, when you spent as much time together after as many years as we've been together, you just kind of grow a little closer to one another than you would with other teammates. He's always been there for me."
Rivera missed most of last year after tearing his right knee while shagging flyballs during batting practice in early May. Rivera said he would have retired at the end of last season if he had not gotten hurt.
"I didn't want to leave like that," he said. "I felt like I wanted to give everything."
He also said he wanted to give Yankees fans around the major leagues a chance to see him one more time, knowing this will be the end.
"I'm actually appreciative that we get to enjoy him for one more year," Yankees manager Joe Girardi said. "I think he's prepared to go 100 percent. I think he'll have a good year. It's been a real treat for me. I was relaxed when he came into the game as a catcher, and I'm relaxed when he comes into the game as a manager, so that's probably about the highest compliment you can pay a closer."
Rivera's wife and two children were by his side for the news conference. He began by playfully thanking the Yankees for giving him a new contract for two additional years through 2015 ? which would break a team policy of not negotiating new deals before the old ones expire.
"It's not too easy when you come to a decision like this," Rivera said, turning serious. "After this year, I will be retired. ... Now you're hearing it from me. It's official now."
While others have proclaimed him the best closer in baseball history, Rivera wouldn't put that label on himself.
"I don't feel myself, the greatest of all time. I'm a team player," he said. "I would love to be remembered as a player who was always there for others."
Yankees general Brian Cashman said he knew Rivera's intention was to retire last season.
"He's irreplaceable," Cashman said. "He is the greatest of all-time. I've known him since he was in the minor leagues, and he's never changed once. You see a lot of players that get a lot of money, become famous and change over time. He hasn't changed a bit. I've got more respect for him as a player and person because of that."
Hall of Fame reliever Goose Gossage, a Yankees' guest instructor, called Rivera "not only a great pitcher, but as great a person." Gossage noted that the role of closer has gone from multiple innings to basically a one-inning job.
"Mo is as good as anybody that's ever done it," Gossage said. "The last thing I want to do is take anything away from this guy, he is great. But I would throw out the challenge that, do what we did and we'll compare apples to apples. We didn't get to pitch just one inning, but I believe today is the way they should be used."
Former Yankees catcher Jorge Posada said there is only one Mariano Rivera.
"There won't be another person who will come along and do what he did," Posada said in a statement. "I'm so happy he is going out on his terms. Now every time he steps into a ballpark this year, teams and fans can celebrate and appreciate what he has meant to this great game we play."
Rivera said he will miss being on the field but not the long travel and many nights in hotels. He will be the last player to wear No. 42 ? retired for Jackie Robinson by Major League Baseball in 1997 but allowed to remain for players using it at the time.
"Being the last player to wear No. 42 is a privilege," he said.
Rivera has not pitched in an exhibition game this spring training. He usually goes at his own pace in camp, working in the bullpen and throwing in simulated games ? while avoiding bus trips to opponents' spring ballparks.
The 12-time All-Star has earned a record 42 saves in the postseason while putting up an 0.70 ERA. He began his major league career in 1995 and has spent his entire time with the Yankees.
Rivera made just nine appearances last season before he tore the anterior cruciate ligament in his right knee on May 3, and he had surgery on June 12. Rivera returned to his native Panama earlier this week on a personal matter.
As for the future, Rivera wants to take time off after this season to spend with his family. He envisions himself working in baseball, perhaps with minor leaguers.
"I definitely will be involved in the game some way, some aspect of the game," he said.
Rivera said there is no sadness, but it's a celebration, in announcing his retirement.
"There's nothing to be sad (about)," Rivera said. "I did everything within my power to enjoy the game, to do it well, to respect the game of baseball. Have so much joy, and no one can take that joy away from me."
"Thank God I was able to play the game of baseball for so many years," Rivera added. "I want no fans, no one member of my family to be sad."
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Need a job? 'Granny nannies' on the rise
Need a job? Take care of Grandma. Not yours. Someone else's.
The U.S. Census Bureau reports there are 40 million Americans ages 65 or older, and nearly 10 million are at least 85 years old?the so-called "oldest old." We are living longer, and increasingly Americans have long-term care insurance or some other means of paying for care in their own homes.
"The senior care industry, just for senior home care, has grown more than 40 percent in the last five years," said Julie Northcutt, CEO of Caregiverlist.com, which tracks the market. "Everything predicts care is going to continue to move to the home."
She said there are almost 11,000 senior care agencies in the U.S., with 1,000 of them created in 2012 alone.
Cydney Kaplan, a former reality television producer who has a degree in therapeutic recreation, launched Independent Living Concierge in Los Angeles last summer. She rents out her services to high-end senior citizens for $60 an hour.
"I'm a Girl Friday, a rent-a-daughter, or a granny nanny for seniors and their families," she said. "A lot of seniors have dignity issues, where they don't want to be seen with a caregiver. They want to be seen with someone that's a professional and looks like a member of the family."
Read More: Tips on Caring for Aging Parents
One of her clients is 92-year-old Dorothy Sabel, who lives in an assisted-living facility. The spry retired real estate agent hired Kaplan to regularly take her shopping, see a movie, or go to the salon. "You have to go out once in a while," Sabel said. "Cydney does that for me ... she does more than my relatives do for me, because they're so busy."
Jack Fackrell also saw an opportunity. He was working in sales in the trucking business when he saw a neighbor in the senior-care industry. He then co-founded Alta Home care, a full-service caregiver company.
"A lot of the nation's wealth is tied up in the seniors," he said. Ten years later, Alta now has about 600 clients in California and Louisiana, where it just acquired a smaller company.
"This year we'll do about $15 million (in revenues)," Fackrell said.
He is hiring 15 to 20 people a week, but most applicants are rejected. "The hardest part is finding good people."
Read More: 10 Most Stressful Jobs of 2013
This work can be challenging, and the pay averages $10 an hour. Fackrell said he has tried to make the business more professional. His head of human resources is a former Los Angeles County Deputy Sheriff whose job is to filter out those not right for this career.
New hires in an Alta training session learn things like how to remove colostomy bags. "Watch your facial expressions," the nurse instructor told the class. "If you have this, 'Oh my God, this is disgusting' expression on your face, you're going to make the patient feel very bad about themselves."
Home care is not covered by Medicare, which is both good and bad. Good, because it's not subject to federal budget realities, challenging because many people can't pay for it.
"I have so many friends who absolutely wish they could afford this," said 88-year-old LaRae Irvine, a client of Alta Home Care. Irvine used the company to hire Victoria Lomeli, a native of the Philippines, to make meals and provide other help. "I'd die if I didn't have her," Irvine said, laughing. "I couldn't survive without her."
As for Lomeli, the job provides her with flexibility, and she doesn't have to lift Irvine. "Lifting is hard for me." One reason Lomeli took a job with Alta rather than hire herself for cash under the table is because the company pays her Social Security and income taxes. "That's what I wanted." Alta also insures her in case she's hurt on the job.
Nationally, 4,000 caregivers and certified nursing assistants are being hired monthly, according to Caregiverlist.com.
Read More: The 10 Least Stressful Jobs for 2013
Alta Home Care received a private equity cash infusion in 2010 from Transition Capital Partners, and large public companies are looking to buy up some of these operations.
"It's definitely become a very enticing industry for some of the larger corporations that have been centralized more on the Medicare side of the world," Fackrell said. "They're looking at the private duty side because we don't get rate cuts."
However, this job isn't for everyone. Cydney Kaplan said when she first started putting together her "granny nanny business plan," she researched potential competition. She found a company doing something similar that had gone out of business. Kaplan called the owner to find out why. "He said, 'I did it for the wrong reasons'." He told her there was money to be made, "but he said, 'Rich or poor, the seniors all had the same problems, and I found it incredibly depressing.'"
Her advice is that you need to like the people you're serving to be successful. "I love the seniors, learning from them, being around them. I love their energy, even when they're being cantankerous."
"It's not fashionable, it's not glamorous," said Jake Fackrell of his business, "but these are the people who built the country we have now, and I feel every day that when I go to work, I'm doing something to make someone else's life better."
? 2013 CNBC LLC. All Rights Reserved
Source: http://www.nbcnews.com/business/need-job-granny-nannies-rise-1C8757731
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Friday, March 8, 2013
Vietnam cardinal arrives, last 1 in for conclave
VATICAN CITY (AP) ? The last cardinal who will participate in the conclave to elect the next pope arrived in Rome on Thursday, meaning a date can now be set for the election. One U.S. cardinal said a decision on the start date is expected soon.
Some American and other cardinals had said they wanted to continue the pre-conclave meetings that have been going on all week for as long as it takes so they can discern who among them has the stuff to be pope and discuss the problems of the church.
Some Vatican-based cardinals, defensive about criticisms of the Vatican's internal governance that have been aired recently, seemed to want to get on with the vote arguing there's no reason to delay.
"Hopefully it will be a short conclave and start very soon," Vatican-based German Cardinal Paul Josef Cordes was quoted Wednesday as telling the German daily Bild. "I would compare it with a visit to the dentist ? you want to get everything over with quickly."
Thursday afternoon, U.S. Cardinal Roger Mahony tweeted that the discussions were "reaching a conclusion."
"Setting of date for conclave nearing. Mood of excitement prevails among Cardinals," he wrote.
Once the conclave starts, there is very little time for discussion. Cardinals take two votes in the morning, two votes in the afternoon ? all of them conducted in silent prayer, not chatter, amid the frescoes of the Sistine Chapel. As a result, setting the date for the start of the conclave is akin to setting the deadline for when pre-conclave deliberations will finish.
These discussions are designed to give cardinals a chance to get to know one another better and dive into the problems confronting the church and who among them is best suited to fix them.
On Thursday, for example, cardinals received a briefing on the Holy See's finances amid questions about the administration of the Vatican bureaucracy and continued suspicions about the Vatican bank.
As such, "it seems very normal and very wise" to wait to set the conclave date until all cardinals are confident that they're nearing an end to their deliberations, said the Vatican spokesman the Rev. Federico Lombardi.
The arrival in Rome on Thursday of Vietnamese Cardinal Jean-Baptiste Pham Minh Man, however, signaled at least that a vote could be taken on a start date now that all 115 cardinal electors are in place.
He entered the Vatican auditorium for Thursday's afternoon session without speaking to reporters. No vote on a conclave date was taken, Lombardi said.
For the fourth day in a row, discussions on Thursday included questions about the Holy See's administration and its relationships with dioceses around the world amid complaints that the Holy See doesn't communicate well, internally or externally.
The problems of the Holy See's internal governance have been a constant theme of deliberations this week as cardinals ? especially from the United States ? have sought information about allegations of corruption, turf wars and cronyism that were exposed by the leaks of papal documents last year.
Lombardi said the financial briefing by the heads of the Vatican's economic affairs office, the administration of the Vatican City State, and the department overseeing the Holy See's assets and personnel was designed to give the cardinals an early peek at the Holy See's financial reports, which usually come out in July.
Such a financial briefing is called for by the rules governing the period between papacies, specifically to give the cardinals a full picture of the state of the Holy See.
Lombardi refused to comment when asked if the Vatican's bank, the Institute for Religious Works, was discussed. The bank, which was created to administer the pope's works of charity, has long been the focus of scandal for the Vatican, though it has tried to clean up its reputation by submitting itself to an evaluation by the Council of Europe's Moneyval committee.
Moneyval, which helps governments adhere to internationally recognized anti-money laundering and anti-terror financing norms, gave the Holy See a passing grade in its first evaluation last summer. But the bank received poor or failing grades on a number of fronts, with its rules on customer due diligence, wire transfers and suspicious transaction reporting declared insufficient.
This week, the widely read Italian Catholic weekly Famiglia Cristiana, which is distributed free in Italian parishes each Sunday, carried an article calling for the bank to be closed on the ground that the pontificate shouldn't have direct links to the world of finance.
It argued that there are plenty of ethically minded commercial banks in Italy and elsewhere that could be trusted to manage the Holy See's assets.
"Total transparency would thus be assured and the faithful, who continue to generously donate, would know that their money given to the church ... is destined to the poor," said the article penned by historian Giorgio Campanini.
For a magazine representing the Catholic establishment in Italy to make such a call is significant, given the deference usually paid to the Holy See by the overwhelmingly Roman Catholic country.
That said, the Vatican bank has been the source of bitter battles in recent times between the Holy See and the Bank of Italy, which doesn't have regulatory control over the bank and has taken measures to strangle its financial activities in Italy.
___
Follow Nicole Winfield at www.twitter.com/nwinfield
Source: http://news.yahoo.com/vietnam-cardinal-arrives-last-1-conclave-185212756.html
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Thursday, March 7, 2013
Doc Warns That Popular Gel Manicure Is A 'Cancer Risk' Clutch ...
I love my gel manicures, but according to a warning from a doctor at NYU School of Medicine the dose of UV light used to dry the gel is known to damage skin cells just like tanning beds.
Great. Just great.
My gel manicures tend to last about a month, which is why I prefer to get them opposed to the regular polish, but I may have to rethink this.?Dr. Chris Adigun of the Ronald O. Perelman Department of Dermatology at NYU doesn?t think they?re the best choice when it comes to your nails.
?Women who frequently get gel manicures should consider their skin-cancer risk because the UV light needed to cure the gel manicure is a risk factor for skin cancer,? she wrote in a recent article in the Journal of the American Academy of Dermatology.
Adigun suggests taking the same precautions with gel manicures as you would with sunbathing and tanning salons. ?Sunscreen is a must???to decrease the consequences of chemical trauma.?
?As is the case with most things, moderation is the key when it comes to gel manicures,? she said. ?If you get them regularly, you need to be aware of the possible consequences.?
The Professional Beauty Association (PBA), an organization that regulates salons, states that it?s actually?unnecessary to apply sunscreen.
New independent study by leading researchers concludes that UV nail lamps do not play a substantial role in the risk of developing skin cancer. The researchers calculated it would take 250 years of weekly UV nail sessions to equal risk of exposure associated with one course of narrow band UVB treatments for certain kinds of skin conditions.
Well, maybe I?ll just use the sunscreen as an extra precaution, because cancer sucks.
?
Source: http://www.clutchmagonline.com/2013/03/doc-warns-that-popular-gel-manicure-is-a-cancer-risk/
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Wednesday, March 6, 2013
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YouTube Thinks It Can Take On Spotify, And It's Launching A Music ...
YouTube is owned by Google, which is also set to make a play in the lucrative music-streaming market, but reportedly has a negotiating team separate from that of its parent company.
Last month it was reported that Google was in talks with record labels in a bid to develop its own streaming service.
The current service, Google Play for Android, allows users to buy music, store it online and then access it from all of their devices.
The new service, also due out later this year, will reportedly offer access to millions of songs for a monthly subscription, much like Spotify, the dominant player in the market.
There will be some overlap between the YouTube and Google Play services, but the differences are likely to reflect the different place they occupy in the market.
The YouTube service will allow users to listen to tracks for free, but the subscription will unlock additional features ? most likely to mean advertisement-free access to songs, according to the Fortune report.
YouTube is already one of the most-used services in the world for music, but does not charge users. Instead it sells advertising against its music videos, a share of which goes back to record companies.
YouTube released a statement saying: "While we don't comment on rumour or speculation, there are some content creators that think they would benefit from a subscription revenue stream in addition to ads, so we're looking at that."
Separately, Apple has held talks with Beats Electronics, the audio tech firm co-founded by the hip-hop producer Dr Dre and music mogul Jimmy Iovine about a potential partnership involving Beats? planned music streaming service.
Apple CEO Tim Cook met Mr Iovine last month to find out more about Beats? ?Project Daisy?, according to Reuters.
There have rumours for years that Apple is planning its own music streaming service to complement iTunes.
In 2009 the iPhone maker bought cloud music storage service LaLa and it was widely thought that this would be a step towards a streaming service.
Instead, Apple used it as a building block in the creation of iTunes Match, the music storage component of iCloud. Despite repeated speculation over the last couple of years, an Apple streaming service has yet to materialise.
While its rivals ponder a streaming service, Spotify continues to report growing numbers of users. At the end of last year, the company announced that it had 24 million active users, a fifth of whom paid to use the service.
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Fabolous And Pusha T Toast Newcomer Troy Ave
Rapper drops Troy Ave Presents: BSB mixtape after Fab and Pusha share their support with Mixtape Daily.
By Rob Markman, with reporting by Nadeska Alexis
Troy Ave
Photo: Johnny Nunez/ WireImage
Source: http://www.mtv.com/news/articles/1703003/pusha-t-fabolous-troy-ave-od-exclusive.jhtml
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Monday, March 4, 2013
Kerry: 'Finite' time for Iran nuke talks to bear fruit
Jacquelyn Martin / Pool via AP
Secretary of State John Kerry adjusts his translation headset as Saudi Foreign Minister Prince Saud al-Faisal speaks during a news conference in Riyadh, Saudi Arabia on Monday.
By Arshad Mohammed and Angus McDowall, Reuters
RIYADH ? Secretary of State John Kerry said on Monday there was "finite" time for talks between Iran and world powers on its disputed nuclear program to bear fruit, but gave no hint how long Washington may be willing to negotiate.?
Israel, Iran's arch-enemy and convinced Tehran is secretly trying to develop nuclear weapons, has grown impatient with the protracted talks and has threatened preemptive war against Tehran if it deems diplomacy ultimately futile.
Kerry's sentiment was largely echoed by Saudi Foreign Minister Prince Saud al-Faisal, who said that the negotiations cannot be endless like the debates of philosophers over how many angels can fit on the head of a pin.?
"There is a finite amount of time," Kerry, in the Saudi capital Riyadh on his first overseas trip as the top U.S. diplomat, said of the talks between a group of six world powers and Tehran, Saudi Arabia's main regional adversary.?
Kerry was speaking at a news conference with Prince Saud al-Faisal, who suggested Iran was not showing enough seriousness about the discussions, which he said "cannot go on forever."?
Iran was positive last week after talks with the powers in Kazakhstan about its nuclear work ended with an agreement to meet again. But Western officials said it had yet to do anything concrete to allay their concerns about its nuclear aspirations.?
The United States, China, France, Russia, Britain and Germany offered modest relief from economic sanctions in return for Iran reining in its most sensitive nuclear activity but made clear that no breakthrough was in the offing quickly.?
"We can't be like the philosophers who keep talking about how many angels a pinhead can hold," Prince Saud al-Faisal said. "They (the Iranians) have not proved to anybody the urgency in their negotiation," he said. "They reach common understanding only on issues that require further negotiation. And so this is what (has) worried us."?
Secretary of State John Kerry pledges $250 million in economic aid if Egyptian President Mohamed Morsi agrees to negotiations over economic reforms.
The United States and many of its allies suspect Iran may be using its civil nuclear program as a cover to develop atomic weapons, a possibility that Israel, which is regarded as the Middle East's only nuclear power, sees as a mortal threat.?
The possibility also deeply disturbs many Arab countries in the Gulf who, some analysts say, could choose to pursue their own nuclear programs if Iran were to acquire an atomic bomb, leading to a destabilizing arms race.?
In Vienna on Monday, the U.N. nuclear watchdog raised pressure on Iran to finally address suspicions that it has sought to design an atomic bomb, calling for swift inspector access to a military base where relevant explosives tests are believed to have been carried out.
Diplomacy 'first choice'
Iran says its program is solely for peaceful purposes, such as generating electricity and making medical isotopes.?
Kerry, in the final stages of a nine-nation, 11-day trip that will also take him to Abu Dhabi and Doha, also had lunch with Palestinian President Mahmoud Abbas to discuss the possibility of reviving peace talks with Israel.?
Making his first trip abroad as secretary of state, Kerry also met Saudi Crown Prince Salman but a U.S. official said he would not see Saudi King Abdullah, who turns 90 this year.?
Kerry said a diplomatic solution on Iran is still preferred by the United States and Saudi Arabia.?
Israeli Prime Minister Benjamin Netanyahu voices concern over the progress of Iran's nuclear program while addressing the American Israel Public Affairs Committee.
In 2008, Riyadh's ambassador to Washington said King Abdullah had repeatedly urged Washington to "cut off the head of the snake" by striking Iran's nuclear facilities, according to a U.S. diplomatic cable released by WikiLeaks.?
"We both prefer ? and this is important for Iranians to hear and understand??? we both prefer diplomacy as the first choice, the preferred choice," Kerry said. "But the window for a diplomatic solution simply cannot by definition remain open indefinitely."?
Echoing Western concerns about a possible nuclear arms race in the Middle East in the event that Iran obtained a nuclear bomb, Kerry made a series of arguments for Gulf Arab countries not to pursue a military nuclear capability.?
Riyadh has also announced plans to develop 17 gigawatts of atomic energy by 2032 as it moves to reduce domestic oil consumption, freeing up more crude for export.?
Related:?
Netanyahu says nuclear talks a chance for Iran to 'buy time' to build the bomb
Iran says building 3,000 advanced centrifuges
West wary, Iran upbeat after nuclear talks
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E-mail Marketing For Your Small Company - Choosing The Right ...
Weighing Your Alternatives
For emails, you have three choices of pc software, each with drawbacks and different benefits. It is possible to be your own personal machine and install software on your computer. Software can be installed by you on the net server youre using. Or you can join an ASP hosted service.
The most obvious benefit of a managed host is that having your emai?
There are lots of different options for promoting your organization online, but one of the best is still the email campaign.
Weighing Your Choices
For emails, you?ve three choices of software, each with unique benefits and drawbacks. It is possible to install software in your desktop and be your own personal machine. Software can be installed by you on the internet server youre using. Or you can join an ASP hosted service.
The obvious good thing about a published machine is that getting your e-mails provided can be your hosts matter. Claims Dr. Ralph Wilson, of Wilson Internet Services, With computer or web server pc software, fundamentally youre responsible to have them sent Whereas if youre paying another person for that service, its their job, and it is taken by many of them very seriously. A server begins with a monthly fee for 500 or 1000 emails and as your email database increases the price develops.
With desktop server pc software, the largest benefit could be the price. You are able to pay a one-time fee for a desktop server and run it forever. Leasing a web server can also be fairly low priced.
Beating the Blockers
There are a few basic guidelines you can follow to help your emails ensure it is to your customers inboxes, if you use computer or server based application.
1. Avoid symptoms of spam. There are particular features that trigger spam filters. You are able to raise your deliverability by avoiding certain problems in your subject lines:
Dont use all caps.
Dont use HTML messages that are largely design.
Dont try to trick filters by replacing words with asterisks or breaking words up with punctuation marks. Filters are receiving wiser, and you could wind up on a black list.
Dont use careless HTML.
Large or small fonts are used by dont. Stick with H1, H2, or H3 heading tags.
2. Consider sender certification
Bonded sender businesses as and have connections with internet service providers. Genuine companies can go through these companies to get secure passage past spam filters. Theres your emails to be ensured by a cost for this service, but its an effective way are getting delivered.
What to Search for in a Hosted Server
There are always a amount of things you should ask before joining:, if you choose to use a managed service
What precautions do they take to prevent spammers from registering? An excellent host company will have measures in place, such as for example established opt-in, to make sure that theyre not letting spammers to join.
Do they provide conversion monitoring? Similar to an ad tracking system, many published servers now let you see how many of your e-mail readers clicked to your website, how many click-throughs led to revenue, and how much money you created from your strategy.
What sort of customer support do they give? You can often tell the answer to that particular question by just the length of time it will take them to react to your questions. Ask if they offer full phone service and if they charge extra for the service.
However you decide to increase your business, dont overlook the power of e-mail marketing to enhance your sales volume and increase your customer base. certificate authentication
Source: http://culturapopulara.ro/?p=28045
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In Manila, Catholics pray for smooth succession
Filipino Benita Canlas prays outside the Shrine of Our Lady of Perpetual Help in suburban Paranaque, south of Manila, Philippines on Sunday March 3, 2013. Filipinos in Asia's largest predominantly Roman Catholic nation on Sunday went to church that awkwardly had no pope for the first time in 600 years and prayed for the smooth rise of a successor to Benedict XVI who can lead an embattled church. (AP Photo/Aaron Favila)
Filipino Benita Canlas prays outside the Shrine of Our Lady of Perpetual Help in suburban Paranaque, south of Manila, Philippines on Sunday March 3, 2013. Filipinos in Asia's largest predominantly Roman Catholic nation on Sunday went to church that awkwardly had no pope for the first time in 600 years and prayed for the smooth rise of a successor to Benedict XVI who can lead an embattled church. (AP Photo/Aaron Favila)
Filipino Catholics pray during a mass at the Shrine of Our Lady of Perpetual Help in suburban Paranaque, south of Manila, Philippines on Sunday March 3, 2013. Filipinos in Asia's largest predominantly Roman Catholic nation on Sunday went to church that awkwardly had no pope for the first time in 600 years and prayed for the smooth rise of a successor to Benedict XVI who can lead an embattled church. (AP Photo/Aaron Favila)
A Filipino Catholic altar boy stands beside an empty priest' chair during a mass at the Shrine of Our Lady of Perpetual Help in suburban Paranaque, south of Manila, Philippines on Sunday March 3, 2013. Filipinos in Asia's largest predominantly Roman Catholic nation on Sunday went to church that awkwardly had no pope for the first time in 600 years and prayed for the smooth rise of a successor to Benedict XVI who can lead an embattled church. (AP Photo/Aaron Favila)
Filipino Catholic Priest Victorino Cueto, center, sprinkles holy water on devotees during a mass at the Shrine of Our Lady of Perpetual Help in suburban Paranaque, south of Manila, Philippines on Sunday Mar. 3, 2013. Filipinos in Asia's largest predominantly Roman Catholic nation on Sunday went to church that awkwardly had no pope for the first time in 600 years and prayed for the smooth rise of a successor to Benedict XVI who can lead an embattled church. (AP Photo/Aaron Favila)
A Filipino devotee prays at the Shrine of Our Lady of Perpetual Help in suburban Paranaque, south of Manila, Philippines on Sunday March 3, 2013. Filipinos in Asia's largest predominantly Roman Catholic nation on Sunday went to church that awkwardly had no pope for the first time in 600 years because of Benedict XVI's resignation. They prayed for the smooth rise of a successor who can lead the church. (AP Photo/Aaron Favila)
MANILA, Philippines (AP) ? Filipinos in Asia's largest predominantly Roman Catholic nation attended Mass on Sunday with their church awkwardly having no pope due to Benedict XVI's resignation ? the first in 600 years ? and prayed for the smooth rise of a successor to lead an embattled institution.
Benedict stunned the world when he announced Feb. 11 that he would resign, citing his age and frail health. His resignation, which took effect Thursday, ushered in a period known as "sede vacante," or "vacant see" ? the transition period between papacies when a few Vatican officials take charge of running the church.
All cardinals worldwide have been summoned to the Vatican for a conclave to elect Benedict's successor. The new pope will inherit a church facing a tide of secularism in Europe, as well as clergy sex abuse and corruption scandals that have underscored the need to pick a formidable successor to lead the world's 1.2 billion Catholics.
Churchgoers and the clergy in the Philippines said they were not worried by the temporary absence of a pope, but nevertheless felt the vacuum.
"There is something missing more or less in spirit," said the Rev. Joel Sulse, who celebrated Mass at the Santuario de San Antonio parish in an upscale residential enclave in Manila's Makati business district. "It's also a challenge. It's like when there is no leader, you really have to stand for your convictions."
Many churchgoers said their faith would endure at all times, expressing confidence that the Catholic church would soon have a new pontiff after a transition with its key doctrines intact.
"We know they will elect a pope, so there will still be a pope," said Ely Santos, who went to Mass with her husband and daughter at Christ the King church in a middle-class community in Manila's suburban Quezon city.
Sulse's parish and other Catholic churches across the Southeast Asian nation offered prayers for a hassle-free Vatican conclave of cardinals to elect a new pope.
Although Sulse noted that a new pontiff from the developing world may have a better grasp of problems afflicting many Catholics, he said Filipinos should pray for any pope who "can be strong yet loving."
"How we wish that, you know, there will be a pope coming from the third or fourth world," he said. Such a pope, he said, would be familiar with the realities in impoverished Catholic nations.
Such yearning for a strong successor to St. Peter's throne echoed from people from all walks of life. At the chandelier-lit church where Sulse said Mass, many traveled in SUVs from nearby exclusive residential enclaves to the air-conditioned parish building with beautifully manicured lawns.
Churchgoer Miguel Ma. Guerrero said the next pontiff should be a dynamic leader who can lead the church in a modern era beset by long-pestering problems such as poverty. Technology could help the church accomplish its mission, he said.
"He must be able to use his efforts and achievements to bring the Christian world to a modern state of which we are now experiencing because of the advent of technology," Guerrero said.
In another Manila church, in the working-class district of Baclaran, Catholics said they yearned for a pope who would be able to lead the younger generation onto the right path. One churchgoer said she wanted somebody like the late Pope John Paul II, who was welcomed by millions when he visited the Philippines in 1995.
"I have been praying for a new pope to be just like Pope John Paul II, who was close to the people and was very humble," said Charlene Bautista, an insurance broker.
For the first time, a Filipino cardinal, Antonio Luis Tagle, has been regarded as among the group of cardinals who have a chance of succeeding Benedict. Although considered a long shot, Tagle's inclusion among the so-called papabile, or papal candidates, has electrified many in the country, where past pontiffs were welcomed by millions like rock stars.
___
Associated Press writer Oliver Teves contributed to this report.
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How does a debt management program work?
A perfect debt management program will work on the basis of overall strategy for financial well being and then working step by step towards achieving the goals. People in debts are in a hurry to get out of all their debts and achieve financial freedom. Professional counselors advice that debts were not created overnight by an individual so you can?t get rid of that all of a sudden. It takes time and a lot of patience to be debt free. After all, there are consequences to overspending, and there are many ways to reconsolidate after an initial debt consolidation audit has been done.
Be aware that if you are taking a debt consolidation loan for a period of 20 ? 30 years, you will be paying a lot on interests over the period of time. The representative who is offering you the debt advice will find out different ways for you to get the financial freedom. You are the person who best knows about your finance and understand the implications for your long term budget. You don?t want to mess up your future and run into asset shortage when it is the time for you to plan your retirement or paying for your children?s college education.
Debt management is the process where your present financial situation is analyzed after considering your income and expenses, your credit history is reviewed thoroughly. The person offering you the debt advice will see your future earning potential so that you are able to continue the program, developing different ways to resolve disputes or lender obligations, and budget your finance properly so that you don?t fall into debts again. Debt management program has surprisingly bloomed in the last ten years because American have fallen into massive credit card and home equity debts.
When you are shopping for a reputed debt management company, it?s important that you find someone who is backed up by accredited institutions, such as major banks, the better business bureau and dedicated trade organizations. Any company having no complaints with the law enforcement agencies should be your first pick. You can also contact your local attorney general?s office to find about any company in your area and their debt management programs offered to consumers.
A very good debt advice is to thoroughly review the program offered by the debt management company before you put your money. You should be aware of their fee structure and there should be nothing hidden in the contract signed up with them. It never hurts to get the program reviewed by an attorney and ensure that the tax consequences work in your favor. Savvy debt consolidation planning can boost your credit rating and you will be able to take care of many financial burdens in your life.
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Source: http://www.znak-aries.info/how-does-a-debt-management-program-work
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Sunday, March 3, 2013
ScienceDaily: Child Development News
Source: http://www.sciencedaily.com/rss/mind_brain/child_development.xml
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