Content and/or other value provided by our partner, Kia Motors
Content and/or other value provided by our partner, Kia Motors
Fresh Air summers are filled with children running barefoot through the grass, gazing at star-filled skies or swimming for the first time. The Fresh Air Fund, an independent, not-for-profit-agency, unlocks the limitless potential of thousands of New York City children, and you can too. Visit The Fresh Air Fund online at www.freshair.org for more information.
Who needs life insurance ?
If you don’t know the answer to that question or are a bit confused as to what life insurance really is then this is a must read for you. I, not to many years ago, was not sure what life insurance was or if/why someone really needed it. Back in 2006 my husbands father passed away, and he did not have life insurance. This put a big strain on my husband and his only other sibling. Not only financially, but also mentally because they didn’t understand why their father would not have chosen to carry life insurance to make sure things were covered upon his passing. Well, he didn’t carry life insurance because he lived life day to day and didn’t expect to leave us so soon. It was a hard lesson to learn for us but after that we realized that it is very important to have life insurance to make sure our loved ones left behind don’t have to carry the financial burden of funeral expenses and all the other things that might arise when we are gone.
My husband has life insurance thru his work and he also has a small policy on myself and our son. But, being that my husbands company offers such a small policy on spouses we decided that it was in our best interest to find a great life insurance policy for me. Genworth Financial is a great place to find resources and such for work at home parents like myself. Even though I don’t have a 9-5 job outside the home I do bring an income in that helps to support my family. If something should happen to me the bills would still be here but my income would be gone. That is something not many people think about. Also, being an at home wife/mom I do many things to keep the house running smoothly that in the event of my absence would need to be done by someone else which would cost money. So, it is very important to me to make sure I put no burden on my loved ones in the event something might happen to me.
Do you have life insurance for yourself or family members? If not, maybe it is time to consider looking into it. Life insurance is very reasonable, and give piece of mind.
It’s hard to believe when the school vacation is over. Where did the time go? It just seems like school was breaking up a few weeks ago, and all of a sudden it’s time to get ready for your kids to go back again.
The kids may be excited about going back to school and seeing their friends and favorite teachers again. On the other hand, there’s a good chance that they are moping around with long faces, wondering why life is so unfair. Don’t worry if they do – they will get over it, but it’s your job to make sure they get the most out of the school year.
The first thing to keep in mind is that while it’s okay if your kids don’t have a regular routine during their vacation, this just won’t work once they are back at school. For young children, you need to make sure that you send them to bed at the same time each night so that they get enough sleep – don’t give in to them wanting to stay up for that special program on TV. With teens, it’s a bit harder, but they need their sleep too. Agree a time with them for school nights, and insist that they are home in time to eat dinner and do their homework before they go to bed.
When it comes to homework, you need to give your children a good place to work. Make sure that wherever you choose is quiet and well lit, and that there are no distractions such as the TV to get in the way. For teens, this also includes distractions such as mobile phones and video games that could draw them away from their work. You may be able to trust your teen to go do their homework in their bedroom, but there’s no point in surrounding them with all sorts of temptations.
They will also need the right supplies for school. Pencils, pens, rulers and calculators can all be expensive, so look for cheap school supplies online or in back-to-school sales to bring the cost down. For young children, you will need to do the shopping, but older children can probably shop for their own supplies, provided that you agree both a list to buy and a budget.
Also remember that children work better when they have enough exercise and the right food to eat. If you give them school lunches, try to include fresh fruit and vegetables in their lunchbox and avoid high-fat or high-sugar items such as potato chips and soft drinks. They may complain to start with, but they’ll soon get used to it – especially if you provide some variety. Similarly, they may get exercise at school, but it’s also a good idea to get them to play sports – even if they’re not very good at it, they will enjoy it if you encourage them and aren’t critical of their performance. Going for family walks and hikes is also a good idea, as it gives them the opportunity to both exercise and to talk to you about how things are going at school.
You can make all the difference when it comes to how your kids do at school and whether they enjoy it or not. With a little planning and lots of support, you can give your kids a lifelong love of learning. It’s more than worth the investment.
Life is hard enough financially these days when you are in a relationship, but when something happens and you find yourself a single woman, all alone, it puts a whole new spin on your finance situation. Regardless of how you end up single, you are single and it changes many things. Genworth Financial is here to help you thru your difficult time to get yourself on track for the future.
I am lucky that I have not had to experience this first hand. But, I do have experience thru friends and family that have been thru this. A good friend of mine has ended her marriage recently and in doing so she has gone from a 2 person income home to a 1 person income home. Yes, the bills are less, but her income is about 1/4th of what her husbands was so she is facing many financial challenges. Things that one doesn’t really think to much of when you have money. Like, utility bills, car insurance, life insurance, gas, food, daily personal needs, etc. There are many things that one just buys weekly that sometimes not a lot of thought goes into it when the money is there. She is facing many huge changes and I see how it is effecting her in many ways.
As with all changes in life, like divorce there are also other changes in life, like meeting someone new. I know she is dating and of course the idea comes into her head about entering into a new life with someone. But, being that she has now been thru this 2 times she is a bit worried. Both times she has left with not much in her pocket. She has done so because she chooses to try and stand on her own two feet. Some might agree or not agree with her methods but regardless it is her choice. We have talked a few times about her options for protecting herself if she enters into another relationship. Even though she might not have a lot to protect, she wants to make sure she stays in control of what is hers.
Being an independent woman is important regardless if you are in a relationship or not. I know many women that rely on their husbands/partners. I know I have for years because that is just how our relationship works. Raising kids and being a stay at home mom/wife. But, I do know that if something happened and I found myself single, I would be ok. Would you ? Do you worry what would happen to you if you became single ?
Incontinence is when you can’t control when you urinate. This becomes more common as we age. Among women, it’s also common during pregnancy. It can happen before, during and after pregnancy.
While it is a difficult problem for pregnant women to deal with, there a few ways you can limit the problems associated with it. One of the best ways is to simply plan regular toilet breaks. Over time, you will get better at timing this and you should be able to limit or even eliminate the occasions where involuntary urination occurs.
You can also use a technique called double voiding. This is when you go to the bathroom, urinate, relax for a short while, and then try to urinate again only moments later. Through following this process you empty your bladder to a much greater extent than you otherwise would. The end result is that you can go longer between bathroom breaks and you considerably limit the amount of urine that you would pass should you experience incontinence.
It is a good idea to record the amount of fluids that you drink. You should never drink less than you need, but you should use this as a way to time your toilet breaks. If you happen to drink more during a certain spell, you will know that you need to visit the bathroom sooner. Keep in mind that diuretics like coffee make it more difficult to wait between toilet breaks. So, be extra vigilant when you are consuming coffee and other caffeine-based drinks. Some people choose to limit the times they drink coffee to the morning or early afternoon. Remember, you can always drink herbal teas and other types of hot drinks instead.
Websites like www.homedelivered.com are a great choice for women suffering from incontinence. You can buy a range of absorbent products, including cloth underpads and disposable underwear.
Many people worry about going out when they are suffering from incontinence, but this doesn’t have to be a concern. If you know where a bathroom is at all times, and you are wearing disposable incontinence underwear, you should be able to handle the process just fine. Many people like to bring along a spare few pairs of disposable underwear in their bags and to also decrease the times between toilet visits. Taken together, these should considerably limit the problems associated with going out when you are suffering from incontinence.
“The kind of incontinence experienced during pregnancy is usually stress incontinence (SI). Stress incontinence is the loss of urine caused by increased pressure on the bladder. In stress incontinence, the bladder sphincter does not function well enough to hold in urine,” writes WebMD. “Urinary incontinence during pregnancy can also be the result of an overactive bladder. Women who have an overactive bladder (OAB) need to urinate more than usual because their bladders have uncontrollable spasms. In addition, the muscles surrounding the urethra – the tube through which urine passes from the bladder – can be affected.”
We all aspire to have a harmonious and joyous family life, but sometimes we’re at a loss to know how to achieve that. There isn’t a single magic bullet, but there are some basic things you can do to build a strong and loving environment. There is no guarantee that you will end up like the Brady Bunch or Leave It to Beaver – and you probably don’t want to – but you will find things are just a little bit better if you put in the effort.
The single best thing you can do for your home and family is to eat together. The kitchen is the heart of the family, and making time on a regular basis to break bread together reinforces your family bonds. As a minimum, try to have dinner together at least three times a week, and make it an occasion where you share and talk about things. Don’t let the kids wolf down their meal and race off to watch TV – talk to them about how their day has been, and what their plans are. You might even want to follow the meal with a family game – for example, Scrabble.
Building rituals is also an effective way of strengthening your family. These could be religious, such as all going to church or the synagogue together. On the other hand, it could be as simple as having pizza on Wednesdays, or all watching A Christmas Carol together every Christmas Eve. The thing about rituals, however, is that you need to make them flexible. There’s no point in insisting that your kids stay and eat pizza when they’ve got a one-off chance to go to a concert. Otherwise, rituals become a duty and a burden, rather than a chance to build family ties.
As parents, you set the tone of your home. Now, no marriage is perfect, and you’re going to have arguments with your spouse from time to time. However, there is no point in making the kids listen to you telling each other off. Not only does it set a bad example, but it’s also disturbing for your kids. You want to be seen as a stable and calm influence, giving your kids something that they can rely on in a world that seems just a little bit hostile to them.
You also need to encourage good manners. This isn’t about creating a 1950s Nirvana where everyone smiles all the time and says please and thank you with metronomic regularity. What it does mean is that you need to create a calm and positive environment which your kids want to come home to. Make sure that you never raise your voice, and that your kids know the best way of getting along is agreement, not conflict. Try to create sibling harmony by telling your kids how fortunate they are to have each other. Teach them to always be considerate of other people’s feelings, and to ask themselves how they would feel if they were in the other person’s shoes.
As a parent who has recently adopted a child, you will want to meet other couples that you can talk to. While raising a child is very similar whether or not the child is adopted, there are still unique aspects where adoptive parents can more readily understand your experience.
A great example of this is learning how other adoptive parents talk about the child’s birth parents. Oftentimes, adoptive parents will be anxious about broaching this subject and would like to know what other parents say and how their child responds. Other adoptive parents will be able to provide you with pointers, and you’ll feel supported throughout the process.
Many people are lucky enough to know a close friend or family member who has already adopted a child. When you begin the adoption process, you might find that work colleagues and friends had adopted a child, and you didn’t even know that their child was adopted. This is all because adopted parents are often far more comfortable opening up to people who are in the same circumstances as themselves.
A really common experience is that people begin opening up in ways they hadn’t before. You may have known that a person adopted a child or was adopted themselves, but they never really spoke about it. Once they know that you are going to adopt – or you’ve already adopted – they’ll feel far more comfortable opening up to you.
Your adoption agency will usually be able to put you in touch with other adoptive parents and to suggest good support groups that exist in your area. As you will find out if you attend, there is a great bond that exists between adoptive parents. Exactly the same thing can apply to adopted children as well.
There are lots of great places to meet other adoptive parents online. There are groups on social networks, forums and private emailing lists. Personally, I think that forums and email lists provide more intimacy than social networks. Say something on Facebook, and your whole family will hear it. But say something on a forum – under a cryptic username – and nobody will know who you are. When you are invisible, and speak to people who are going through a similar experience, you have an opportunity to be more candid and to get more candid information in return.
If you live in a part of the country where there aren’t many support groups, the Internet becomes an even more vital tool. But – keep in mind – it’s always worth going the extra mile to actually meet people. And when your child is introduced to other adopted children, they will start to see their own circumstances in a new light.
The ideal scenario is to meet people online and off. Online forums give you a chance to get a broader range of views and experiences. Offline, you can build more meaningful relationships and truly understand other adoptive parents and the lives they lead.
Addictions to over the counter medications have seen a rise in reported numbers over the last decade. Some have forecast that prescription medication addiction rates will continue to explode in the years to come, as a direct result of a culture of self-medicating through over the counter treatments. This poses significant challenges for health professionals, with drug addiction now expanding beyond troubled communities into the mainstream. People of all ages are now presenting with addiction problems, and this means a greater strain on treatment and rehabilitation resources nationwide.
There are a number of approaches to treating addiction problems. Some are proven to be more effective than others, but there may be circumstances in which one approach is naturally more suitable. For over the counter addiction problems, it makes sense to consult with your physician first to identify the risks of your addiction and the best possible course for treatment.
It may be the case that your doctor recommends a phased approach, weaning your body off the medication concerned until the dosage drops to zero. Where this is a safe and practical approach, it will tend to be the one that is preferred by health professionals, as the least disruptive generally. But in many instances, this simply is not an option. Some medications and addictions will require more prolonged treatment, or will require a combined approach to tackle the underlying issues associated with the dependency.
Rehabilitation centers, in particular those that offer residential care, tend to be the most effective for those with addiction problems. The support of qualified addiction specialists is invaluable. Arizona drug rehab creates the right environment for abstinence-based recovery, which many former addicts themselves claim to be the most effective route to permanent success. The rehab treatment process works best when the patient volunteers himself or herself for attention. In many instances, the support and encouragement of family can be crucial to encouraging a patient in to the treatment they need. With this type of willing consent, those entering into rehab processes have a significantly greater chance of recovering as a result.
In some cases, drug replacement therapies may be suggested as an alternative to rehabilitation or a phasing approach. For example, these may be used in the case of addiction to certain illegal drugs, which can help reduce the levels of associated crime.
These will tend to be phased in of their own accord, but can help in instances where the patient is heavily addicted to an especially dangerous or harmful drug. These treatments do have their critics, however, and many feel that the substitution of one drug for another is merely juggling the problem rather than solving it.
There are many different treatment methods that can be exhausted on the road to recovery from addiction. Some will prove more effective for individual cases than others, but the constant remains that those addicted to OTC drugs require help to overcome their addiction. Whether this comes in the form of support rehabilitation, or a medically guided approach, this help is often essential to overcome the grip addiction can so easily come to hold.
My husband and I recently decided we wanted to start purchasing rental properties so we had some other form of income once we were at retirement stages. Well, when buying our first rental we didn’t expect to be put in a position of also taking on an elderly man and his needs and issues. There is a gentleman who has lived in the building we bought, for 25 years. After buying this triplex we began learning more and more about him, and sadly found out he has dementia and really needs help. Since we are not family, we can’t step in and help and for whatever reason his daughters are not really lending a helping hand. This man is so sweet, and has not causes any issues, but we are worried since he is very forgetful and confused and every time we talk to him we get different stories and such. His one daughter helped him try to get into an assisted living home about 6 months ago and just last month a room finally opened up. Well, he told us he was moving, then called one night and asked if he could stay. We said yes. Then he decided a few days later he was moving. Then, he unpacked again and asked to stay. Now, he is moving…. again. Being that we are not related to him and not sure what to do we turned to local help and Genworth. Using the above tool to search local resources has been a huge help for us, the others helping us and the gentleman we are trying to help. So, today there are helpers getting together to move this gentleman to a new home. I wish him the best and hope to visit him in his new home as he has been good to us the short time we have known him. I also feel bad he has no family here to help him or visit him.
Do you know anyone that could use a helping hand? Check out the resources that Genworth has for you to use. I know being a caregiver can sometimes be a burden, if you are not financially able. Learning about how to be a caregiver to your elderly parents is important and can be useful in any situation.