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Monday, June 9, 2008

Rehabilitation Loans

Rehabilitation loans are required to restore, rebuild, or improve the structure of the house. These loans can be taken out to repair the damages caused to the property due to any disaster or calamity. However, usually people opt for these types of loans to fund their home improvement plans. Rehabilitation loans are also a preferred way of refinancing a property, as a rehabilitation program considers its potential worth and not the current value, as is the case with conventional lending programs.

The interest rates offered for rehabilitation loans are usually high as compared to other property loans. The term of a rehab loan can range from three and twelve months. These loans are used for improving energy efficiency, addressing lead paint hazards in a home, and replacing electrical wiring as well as new roofing, plumbing and septic works. To be eligible for a loan, the applicant must be occupying the house currently. The applicant needs to submit an application for a rehab loan with the lender, which offers reasonable terms and conditions in order to satisfy the requirements of the homeowners.

The companies that grant such loans are looking at not only the financial position of the loan applicant, but also at the repayment capability. Housing and Urban Development (HUD) officials approve the loans after the applicants fulfill the eligibility criteria. These kinds of loans require a lot of paperwork and have high closing costs; even so, they are still considered to be a good source of financing. The rate offered for rehabilitation loans varies according to the structure of the house, which can be a single residence or two or more unit dwellings.

The rehabilitation loan program is offered to homeowners as a means of encouraging them to keep the ownership of the house. It is also advantageous for people who have limited financial resources and who would not have otherwise been able to afford a house of their own.

Rehab provides detailed information on rehab, alcohol rehab, cardiac rehab, drug rehab and more. Rehab is affiliated with Alcohol Rehabilitation Centers.

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Wednesday, May 28, 2008

Objective Of Drug Rehab, Alcohol Rehab and Dual Diagnosis Programs

The main objective of drug rehab programs is to free you from the bondage of drug abuse and alcoholism. These programs help you to discover newer ways to live without the use of drugs and/or alcohol. Different drug rehab, alcohol rehab and dual diagnosis programs offer various types of addiction recovery programs to treat the disease. Here is some information that may help you for selecting the right drug rehab program or dual diagnosis treatment center.

Consult a good addiction treatment specialist for finding a suitable dual diagnosis program or alcohol rehab. Doctors and drug rehab specialists will study your case and conduct certain tests on you to find out a suitable drug rehab program for you. Every individual has a unique history to the disease. Hence, the drug rehab program or alcohol rehab program must be tailor-made to suit your case.

Generally, the drug rehab programs and alcohol rehab programs include services such as inpatient detox, residential treatment, medication, diet, exercise, counseling, and community activity.

Depending upon your case, doctors will recommend the services that need to be included in the alcohol rehab program designed for you. The doctors would advise you to join either the "outpatient addiction treatment program" or the "residential inpatient treatment program" depending on your intensity of dependency. Here are some details about both the options.

Outpatient Drug Rehab or Alcohol Rehab Program

If you do not have a long history of alcoholism or drug abuse, an outpatient addiction recovery treatment program might be the correct option. You might need counseling and guidance as a part of your treatment.

Outpatient addiction recovery programs are a suitable option for the treatment of the disease at its early stage. This program is recommended for those individuals, whose occupational and family environments are intact and for those who demonstrate a high degree of commitment to quit alcohol. This program provides adequate support service for your day-to-day life. Inpatient Drug Rehab, Alcohol Rehab or Dual Diagnosis Program

If you have experienced a long period of drug abuse or alcohol abuse, doctors might recommend a inpatient alcohol rehab program or inpatient drug rehab program The inpatient drug rehab and alcohol rehab program provides 24-hour support and it is highly effective. If you need help locating a drug rehab or alcohol rehab program you can go to www.recoveryconnection.org or call the national alcohol abuse helpline at 1-800-511-9225. If you are looking for a gay alcohol rehab program, go to www.gay-rehab.com.

Jonathan Huttner is an owner of Lakeview Health Systems which specializes in the treatment of drug addiction, alcohol addiction and dual diagnosis

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Tuesday, May 27, 2008

What Exactly is a Rehab Program?

I have had some really good friends that were addicted to drugs and the drugs caused major problems in their lives. All of these friends eventually hit bottom and decided that they needed to seek help to fix the problems they were having with drugs. Many of them knew that they needed to go into some sort of drug rehab program, but they were all very nervous about what a rehab program actually was. All drug rehab programs are similar, but some of the programs try to combat the problem of drug addiction in different ways. Next time someone asks you what is a rehab program, then you can tell them these things so that they can better understand what they are getting themselves into. The main points to look at in a drug rehab program are the different programs that the rehab program offers, if the rehab program is medically based, and if the rehab program offers continuing care after leaving the facility.

Most rehab programs offer a variety of programs that allow the patient to get help in a way that works for them. Some of these different programs include inpatient, outpatient, and short-stay options. A rehab program should offer an option that they believe will give a person the best chance to recover from their drug addiction. Rehab programs are sometimes medical institutions and sometimes they are more faith-based places that try to heal a person without medicine. Both of these types of rehab programs have their strengths, but the medical facilities are usually more restrictive and can sometimes be harder on the individual. Rehab programs will also usually offer some type of continuing care for their patients, because drug addiction is not something that can be fixed immediately. Drug addiction is a life-long struggle that must be fought with everyday. A rehab program with a good continuing care facility can help a person not only get sober, but stay sober the rest of their life.

Visit the Texas Residential Treatment Center to learn about their 12 Step Recovery Program

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Friday, May 23, 2008

Dual Diagnosis Treatment Services are Ineffective for the GLBT Population in a Drug Rehab

Most drug rehab services, including alcohol treatment programs, are geared towards serving a white, heterosexual, male, client. Unless great effort has been put into awareness training, developing knowledge about the experiences and circumstances of minority groups, and the establishment of programs to deal with the special needs of different groups of oppressed people, services will simply perpetuate institutional discrimination.

Gay Alcohol Treatment Programs Not Adequate

U.S. researchers Lohrenz et al (1978) found that 37% of homosexuals experienced discrimination from alcohol treatment program staff while Fifield, De Crescenzo & Latham (1975) discovered that 75% of homosexuals who are recovering from alcoholism believe that mainstream drug rehab and alcohol rehab program are not geared to treating homosexuals and do not provide an accepting and supportive environment. Because of discrimination homosexuals are less likely to attend an alcohol treatment program and drug addiction treatment program unless, that is, they are 'passing.' In this case, if the clinician does not bring up the subject, one of the major causes of their problems will be ignored. Rofes (1989) says: By ignoring the special problems that a lesbian alcoholic, for example, presents, an alcohol treatment program will be doing a service to no one. Their alcoholism treatment of the individual will be less than adequate and may tend to intensify the woman's feelings of isolation and 'difference.' Only by bringing the issue into the open and addressing the woman's lesbianism as an aspect of her life which she needs to feel positively about, will the program be truly effective.

Avoiding Coming Out

Shernoff & Finnegan (1991) discuss the case of a lesbian who is hiding her sexuality, then stress: It is the responsibility of each alcoholism treatment counselor to take the lead in this area the same way alcohol treatment counselors routinely question early family history, dynamics of shame, denial and spirituality. By omitting questions about sexual orientation, or the more subtle questions about sexual or affectional feelings or fantasies for a person of the same sex, the counselor is not obtaining information about all the possible contributing factors for achieving and maintaining sobriety. While Hellman et al (1989) note: Therapists may fear causing anxiety by asking patients about sexual orientation because of discomfort with the subject. However, this questioning can be essential in helping to overcome the secrecy and denial that are hall marks of the struggle with both alcoholism and homosexuality. Of course, if a worker is ignorant about homosexuality s/he is likely to make the situation worse:

Problems Faced In Gay Alcohol Treatment Programs

American surveys, referred to by Hellman et al (1989), reveal a list of complaints about mainstream provision ranging from

? heterosexual bias in alcoholism treatment and evaluation (including either focusing primarily on sexual orientation when inappropriate or ignoring important factors linked with sexuality)

? ignorance about lesbian/gay issues and discomfort at approaching matters of sexuality

? ignorance about the inter-relation of homosexuality and alcohol abuse

. Neisen & Sandall (1990) worked at a program designed to offer alcohol treatment to chemically dependent lesbians and gays. They list their clients' experiences of non-gay drug rehab or non gay alcohol rehab, which include:

difficulty in being open about their sexual orientation due to fear of staff/client harassment,? staff telling them it wasn't acceptable to discuss sexual orientation

some were forced to disclose their sexual orientation

as soon as their sexuality was known, some were discharged

some said that after disclosure the alcohol treatment they received was different due to an atmosphere of condemnation

some feared that if their sexual orientation was known about this would receive more emphasis than their chemical dependency

some addiction treatment programs were not happy having their partner attend a family program.

Citing Morales & Graves (1983) and Hellman, Stanton, Lee, Tytun and Vachon (1989), O'Hanlan (1996) notes:

? the majority of detox and drug rehabilitation and alcohol rehab programs were insensitive to issues of sexual orientation and did not, generally, encourage its disclosure

? homophobia limits the success of recovery and alcohol treatment for lesbian substance abusers (Hall, 1990; de Monteflores, 1986)

? failure to acknowledge sexual orientation makes relapse more likely (Cabaj, 1992)

? lesbians were more likely to attend alcohol treatment program services which address lesbian social issues and provide lesbian counsellors (Hall,1986, 1990, 1992, 1993, 1994; Morales & Graves, 1983).

Family Treatment In Gay Alcohol Treatment Programs

Inclusion of families in addiction treatment and alcohol rehab program is now an acceptable way of supporting those coming off alcohol dependency (Nardi, 1982; Shernoff & Finnegan, 1991). This would be problematic for the homosexual client, partly because many will have been rejected by their families and those families who do not reject their offspring rarely want to discuss anything connected with homosexuality. Yet it is the ignorance and lack of acceptance of families which is one of the main reasons why homosexuals are vulnerable to alcohol abuse and drug abuse. Alcoholism treatment does work!

A gay alcohol treatment program, drug rehab or gay friendly dual diagnosis treatment program, can be found at a web site located at www.lakeviewhealth.com or you can call the dual diagnosis national helpline at 1-800-511-9225 to locate a dual diagnosis treatment program in your local area.

Jonathan Huttner is a principal with Lakeview Health Systems, which treats drug addiction and alcohol addiction in a gay friendly environment. Lakeview also operates a nationally recognized dual diagnosis treatment program.

 

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Thursday, May 22, 2008

Drug Addiction Rehab Programs Effectiveness

Drug addiction rehab is a generic phrase, which refers to drug rehabilitation, and presupposes a medical treatment for the dependency of legal or illegal drugs, alcohol, even nicotine or any other psychoactive substance.

If you are longing or craving to use again and again a drug, then it doesn't matter if the substance behind that drug is legal or illegal, what you need is a drug addiction rehab. It means that you have a drug addiction, so you must take it seriously and get immediate treatment in a rehab clinic and as long as it is required because it takes time and strength. There are many ways in which you can achieve a drug addiction rehab: rehab clinics, sober houses, care centers, local support groups etc. Your body is affected by this drug addiction at two levels: physical and psychological.

If you don't check yourself into rehab to get over this addiction as soon as you admitted to have one, this addiction tends to become chronic. It means that you can fall again and again into the abyss and finally you might never return. This may happen even after a long and efficient treatment. During the rehab program you won't just take medication, what you are suppose to do is learn to cope with your disorder at your best. Thus you might not loose the competition against your temptation and waste your drug addiction rehab.

Drug Addiction Rehab Treatment

The treatment is focused on two phases: that of physical healing through detoxification or withdrawal therapy and a psychological support which prevents relapse. The approach of the professionals depends on the substance which provoked the addiction and the particular side effects. Pharmacotherapies proved to be very efficient in drug addiction rehab for at least three purposes: the effective treatment of rehabilitation, the maintenance (usually used for a longer time) and the interruption of the physical as well as psychological dependence. There are three ways of approaching a medical treatment during a drug addiction rehab connected to the symptoms of the patients and the side effects (on the Central Nervous System-CNS, and not only):

- CNS depressants ? minor to severe side effects, affecting blood pressure, heart rate, body temperature, and even threatening life;
- CNS stimulants ? depression, suicidal thoughts, paranoia, psychosis;
- Opioids ? minor to severe side effects (rapid pulse, high blood pressure, pains, tremors, vomiting, diarrhea etc); a most recently approved drug in U.S. that cures heroine addiction is buprenorphine (a milder opioid).

The detoxification is both completed and followed by the psychological treatment which is also an important stage of drug addiction rehab. It means counseling, therapy sessions accomplished through individual, group or family meetings.

Access some of the best drug rehab treatment resources, together with drug rehab programs and free drug rehab options on our website.

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Monday, May 19, 2008

Gay Men, Gay Addiction Treatment, Gay Drug Rehab and the Healthcare Provider

While people are living longer and longer as years go by, there are issues specific to the gay population that may be of particular concern. While not every issue mentioned in this article may apply to you as a gay man, the better educated a person is, the better off they are.

Safe sex practices among the gay community

Most of us know that men who have sex with other men are at an increased risk of HIV infection, but the effectiveness of safe sex in reducing the rate of HIV infection is one of the gay community?s great success stories. Unfortunately, the last few years have seen the return of many unsafe sex practices. Many attribute these unsafe sex practices to the growth of crystal meth abuse. The decision making process while under the influence of crystal meth is quite impaired creating high risk sex practices. While the medical field continues to develop effective HIV treatments, there is no substitute for preventing infection. Safe sex is proven to reduce the risk of receiving or transmitting HIV.

Gay drug addiction and gay alcohol addiction

Gay men use drugs and alcohol at a higher rate and suffer from drug addiction and alcohol addiction more than the general population. It has been determined that gay men suffer from drug addiction at a higher rate than heterosexuals due to the challenges they face on a daily basis and growing up. In general, their drug addiction is focused around drugs such as amyl nitrate ("poppers"), to ecstasy, and crystal meth-amphetamines. The long term and short term effects of these drugs can be found at www.recoveryconnection.com, a drug addiction resource directory.

Mental health, dual diagnosis left untreated can ruin your life.

Mental health disorders such as depression and anxiety appear to affect gay men at a higher rate than in the general population. The likelihood of depression or anxiety may be greater, and the problem may be more severe for those men who remain in the closet, do not have adequate social supports, suffer from internalized homophobia and refuse to seek help. Adolescents and young adults may be at particularly high risk of suicide because due to their reluctance to express their feelings. Culturally sensitive gay mental health services, gay drug rehab programs or gay alcohol rehab programs may motivate gay men to seek addiction treatment before their lives spin too far out of control. Gay men who suffer from drug addiction, alcohol addiction, as well as, a mental health disorder are referred to as having a dual diagnosis. It is not unusual for a gay man suffering from depression to turn to crystal meth as a means of gathering energy or the person suffering from anxiety to begin abusing tranquilizers to regain some sense of calm.

Immunization from Hepatitus is extremely important

Gay men are at an increased risk of sexually transmitted infection with the viruses that cause the serious condition of the liver known as hepatitis. These infections can be potentially fatal, and can lead long-term issues such as cirrhosis and liver cancer. Fortunately, immunizations are available to prevent two of the three most serious viruses. Universal immunization for Hepatitis A Virus and Hepatitis B Virus is recommended for all gay men. Safe sex is effective at reducing the risk of viral hepatitis, and is currently the only means of prevention for the very serious Hepatitis C Virus. In many cases, Hepatitus C is contracted through the use of shared needles. This generally takes place with drug addiction such as heroin addiction, crystal meth addiction or any other injectable drug.

Gay men and sexually transmitted diseases

Sexually transmitted diseases (STDs) occur in sexually active gay men at a high rate. This includes STD infections for which effective treatment is available (syphilis, gonorrhea, chlamydia, pubic lice, and others), and for which no cure is available (HIV, Hepatitis A, B, or C virus, etc.). There is absolutely no doubt that safe sex reduces the risk of sexually transmitted diseases, and prevention of these infections through safe sex is key. Unfortunately drug addiction, specifically crystal meth addiction, has played a key role in the escalation of STD?s. While under the influence of crystal meth or any drug addiction for that matter, values regarding safe sex are often compromised. If you happen to be suffering from drug addiction, find yourself treatment in an effective and quality drug rehab or addiction treatment center.

Alcoholism, alcohol abuse in the gay community

Although more recent studies have improved our understanding of gay alcohol abuse, it is still thought that gay men have higher rates of alcoholism and alcohol abuse than straight men. One drink daily may not adversely affect health, however alcohol-related illnesses can occur with low levels of consumption. Gay alcohol rehab services are imperative to motivate gay men and help them overcome the challenges gay men face in seeking alcohol rehab programs. Gay alcohol rehab programs or gay friendly alcohol programs are designed specifically to address the needs of gay men and women. Gay alcohol treatment programs can make all the difference in the prevention of gay drug addiction and gay alcoholism.

Anal Papilloma among gay men

Of all the sexually transmitted infections gay men are at risk for, human papilloma virus ?which cause anal and genital warts ? is often thought to be little more than an unsightly inconvenience. However, these infections may play a role in the increased rates of anal cancers in gay men. Some health professionals now recommend routine screening with anal Pap Smears, similar to the test done for women to detect early cancers. Safe sex should be emphasized. Treatments for HPV do exist, but recurrences of the warts are very common, and the rate at which the infection can be spread between partners is very high.

If you are looking for a gay friendly drug rehab or alcohol rehab you can call 1-800-511-9225, which is a national drug addiction helpline.

Jonathan Huttner is a principal in a gay friendly drug rehab and gay friendly alcohol rehab called Lakeview. The gay drug rehab component is referred to as Freedom Rings.

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Tuesday, May 13, 2008

The 8 Biggest Rehabbing Mistakes - Part 2

In the second part of The 8 Biggest Rehabbing mistakes we look at three more areas that can swallow up your profits in no time.

BIG MISTAKE #6: YOU PAY TOO MUCH WHEN YOU BUY

You make your profit when you buy. Pure and simple! I will always tell my coaching clients at my workshops that this is the most valuable advice that they will ever receive from me. The added value from the renovation is the icing on the cake.

Always research your market well and ensure that the potential selling price is achievable when all costs and profit margins are taken into consideration. Never, ever let yourself be ruled by your emotions when buying. You must always allow for buying, selling and closing costs. Where possible, your purchase price must be sufficiently below market value to at least allow for these costs. Even better, the price should be low enough to allow for closing costs plus rehabbing costs.

The following formula will allow you to assess the real purchase cost of a particular home that you may have in mind.

Starting with the final selling price, work backwards and deduct selling costs, profit margin, renovation costs and buying costs. This final figure is how much you should be prepared to pay.

BIG MISTAKE #7: FAILURE TO UNDERSTAND YOUR TARGET MARKET

How often have you walked into a home and been totally horrified by the d?cor? Yet this is another common mistake made by renovators. They let their emotions get in the way and decide what is good for them is good for everyone else.

There are two principles that I apply when renovating. The first is the K.I.S.S. theory: Keep It Simple Stupid!

The second is to focus on the 'WOW' factor. It is no coincidence that a home sells quicker and for a higher price when it possesses strong buyer appeal. You're here to make money, not win a home decorating award. Give the market what it wants, not what you think it wants!

BIG MISTAKE #8: SPENDING TOO MUCH ON THE REHAB

The great temptation of renovating is to do too much. Whilst the 'WOW' factor is critical, you MUST keep your emotions out of the equation and strictly adhere to your budget.

Nothing goes exactly to plan when renovating, so don't panic if you exceed your budget by small amounts. Allow for a buffer to cover any surprises (usually 10 to 15 per cent). I certainly fell into the 'do too much' trap during my early projects.

Always have your costs estimated accurately prior to purchasing a property. Later on I will talk about contract of sale conditions. One such condition is to purchase subject to having a builder inspect the property. This will enable you to discover any unforeseen surprises. I encourage you to renegotiate the price should the inspection uncover any major defects - or better still, walk away.

My budget parameters are 10 per cent of the purchase price for houses. This can be stretched to 15 per cent if it means that a great profit can be made. These are personal preferences that have worked for me. They are in no way set in concrete and readers should exercise their own judgment. There is no right or wrong way in this business.

The percentages that I allow are in keeping with my primary objective of obtaining the biggest bang for your buck in the shortest possible time and with the minimum amount of money possible.

Conclusion: Understand that things can and do go wrong in this business. Now that you are aware of the pitfalls, you will be better prepared from the outset. All it takes is a little planning and there is no reason why you can't join the thousands of Americans who are quietly making huge fortunes from their Fixer-Upper business.

Sal Vannutini is a successful real estate investor and author of the best selling "Fixer-Upper Fortunes". Free e-book and 6 Part mini-course reveals how to make a fortune in real estate. Visit: http://www.fastfixerupperprofits.com

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Wednesday, May 7, 2008

Cardio Rehab

I now know that the walking I used to do sure was doing something, as I look different now.So if you think that a walk every day of the week isn?t much,well I?m here to tell you at least for me,it was doing a good job. Walking helped me lose 66 lbs. over 2 years.(1.5 miles a day,every day) I really don?t know what to expect with these classes (cardiac rehab) and lessons on nutrition,stress,medications and risk factors to name a few topics they will be discussing.

Having a heart attack at the age of 51 was not in the plan I had for my life.

However I am bringing something very important with me today to my first rehab class and to all future classes.

?What is it you ask??

You can?t put it in your hand but it is in your heart and mind.

I will be wearing my positive attitude, carrying my goals and covering myself in the great feelings my friends and family have sent my way.

Off I go on the next path to a full recovery.

I am so happy and grateful for the wonderful life I have and the chance to continue my journey.

I know that with 6 children there is a lot of living to do.

My husband is having surgery this December so there is another excellent reason to be on the road to a full recovery.

I will be needed to help him. After26 years together we just know how important it is to support each other.

I'm sure that there are many people out there who know what I mean.

For those of you just starting out in a new relationship, remember that Support works for both of you ,in good times and in bad just like it was said in most of our vows and promises to one another.

Heart Attacks are not as scary as I once thought .You just have to do your homework and help yourself.

"For 40 years, 7 months, 4 days and 3.9 hours I suffered from anxiety and panic attacks - especially after my heart attack on August 12th, 5:00am EST 2006. As a result of my suffering, I decided I would go on a crusade to reveal the most powerful, most effective and most successful system for living an Anxiety and Panic Free Life." - Lorraine Roach, Founder AnxietyEnded.com Visit: http://www.anxietyended.com to discover what 99.2% of ALL anxiety and panic sufferers do wrong, and how to make sure YOU avoid it.

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Friday, May 2, 2008

A Rehabilitation "Gotcha": When 100 Days Isn't 100 Days

When her mother had a stroke Sandy didn't know the first thing about how Medicare defines benefits and "Rehabilitation Days." Because she didn't know how the system works she may have made some costly mistakes when her mother was discharged from the hospital to a skilled nursing facility for rehabilitation.

What Sandy discovered about how Medicare counts hospital days and benefit periods was important, because it had a direct impact on how much treatment her mother would be entitled to. The potential impact of Medicare rules needed to be taken into account when Sandy made plans for her mother's care.

Edith, Sandy's mother, spent a several days in the hospital after her stroke. The therapists then recommended that Edith move to a skilled nursing facility for more therapy. Edith was improving, but she needed more rehabilitation.

Edith had a good secondary insurance policy, so Sandy wasn't worried about her mother's rehabilitation being covered. She knew Medicare would cover up to a maximum of 100 days of inpatient therapy. When the rehab center said they were ready to send Edith home, Sandy advocated tirelessly for her mother to be allowed to continue therapy. Sandy ultimately convinced the center to keep Edith several more weeks.

A little more than nine weeks after what would have been her original rehabilitation discharge date Edith had a set-back when she fell at the rehab center. She suffered a hairline fracture of her hip and went back to the hospital for a few days.

Even though this second time in the hospital was for a brand new medical problem, Edith hadn't been out of the hospital and rehab for 60 consecutive days, so her re-hospitalization was considered to be a continuation of her first stay. After this second hospital stay Edith could probably have gone directly home, but Sandy again advocated strongly for what she thought her mother needed, and Edith returned to the rehab center for more physical therapy.

She is still unstable when she walks and needs to be watched closely so she doesn't fall again. She has now used up almost all of her 100 maximum allowable rehabilitation days under Medicare. She is still in her first Hospital Benefit Period because she has not been out of the hospital or rehabilitation facility for at least 60 consecutive days.

Now some hard decisions have to be made. Edith could stay on in the skilled nursing center for another week or two to take advantage of all the therapy she can get. That might make all the difference in preventing another fall. But that would also use up all of Edith's remaining Medicare-covered rehabilitation days. Or, she could go home and begin working on the 60 days she has to remain out of a medical facility. She could try to re-set her eligibility clock at home and keep those few remaining days available, just in case.

Whatever Sandy decides for her mother, they will be taking a gamble.

Not understanding how the Medicare system really works can have serious consequences for both the patient and the family.

How Medicare Benefit Periods Work

When it comes to the hospital (Medicare Part A), Medicare works by "Benefit Periods" rather than on an annual basis like most health insurance. After a hospitalization the patient must stay out of the hospital or other Medicare facility (like a rehabilitation or skilled nursing facility) for at least 60 consecutive days in order to re-set the clock and earn eligibility for a new Medicare Benefit Period.

If the patient goes back to the hospital within 60 days of being discharged from a Medicare facility (hospital or skilled nursing/ rehabilitation), it is considered to be part of the first hospital period, even if it is for a new medical problem. This has serious consequences for allowable rehabilitation days, as we saw with Edith. The second time she came out of the hospital, rather than starting fresh with another 100 potential days, as Sandy thought, she picked up her Medicare rehabilitation days where she left off.

When she has used up all of her allotted days, any additional skilled care Edith needs outside of the hospital will have to be paid out of her own pocket until she has been out of the Medicare inpatient system for at least 60 days.

So when Sandy thought she was helping her mother by pushing to extend her stay in the rehab facility, she was using precious rehabilitation days that she could possibly have saved. Edith could have been out of the "system" for more than 60 days when she fell, and she could have had a new Benefit Period. I really fault the rehab staff for not making this clear to Sandy, but here we are.

About the Author: When she's not coaching families with elder care dilemmas Molly Shomer writes and teaches on the subject of aging parents and elder caregiving. To learn more about what you need to know before and during a crisis, and for a free planning guide, visit The Eldercare Team at www.eldercareteam.com

 

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Wednesday, December 5, 2007

Rehabbing a House

 

It is easy to be intimidated by the size of a rehab project, particularly if youve never tackled one before. This chapter breaks down the steps involved in completing a renovation from start to finish and removes some of the mystery, and hopefully some of the fear, surrounding a renovation. I hope you find it a useful tool when eyeing your next fixer upper.

Step One - Meet With Contractor and Define Job

When starting a rehab, the very first thing that I do is walk through and evaluate the project myself. Then I set up a meeting with my contractor to get his input and finalize my strategy including how to handle certain repairs and whether or not were going to make any changes to the basic layout of the property. Now that I work exclusively with one general contractor, my life is much easier since I only have to meet one person. He contacts everyone else and then relays the results of his conversations with them to me. As a result of my experience, Im becoming fairly adept at determining the best way to do the work. Therefore, my contractor usually winds up completing the projects in the way that I envision. However, he does offer advice and Im always open to suggestions as to better or cheaper ways to get the job done.

Step Two - Define Job and Buy Materials

Once we meet and determine the work we are going to do, my contractor and I put together a draw schedule. This is usually required by the lender and lists the order in which we intend to complete the work required. I like to shift things around to keep the cash flow coming from the lender. My contractor likes to do things in an order that makes his life easier. We usually settle on something in between.

Step Three - Phase One: Demolition

Through experience, I have finally learned to do my entire demo first. I used to get into my homes and start the jobs immediately. However, this meant we were constantly working around trash, having to haul trash away, etc. Now, I just get a dumpster or two at the very beginning of a job, bring in a crew, and begin to rip everything out. We clean out all the trash and tear out the kitchen, bath(s), drop ceilings, paneling, flooring, and anything else that might get in our way of completing the job properly and efficiently.

Step Four - Phase Two: Roof, Windows and Siding

The rest of the job typically begins on the exterior of the home. We start with the roof in order to ensure that the inside of the house stays dry, and usually, Ill have the windows and siding done at the same time. One reason I like completing the entire exterior rather quickly is that it starts to attract attention from the neighbors and people who drive by.

Step Five - Phase Three: Plumbing and HVAC

The next two items on my list are the plumbing and the heating and air conditioning system. In the past, I had contractors who didnt do the plumbing right away and it only led to disaster. After they hung, finished and painted all of the sheet rock in the home, they turned on the water only to find that there were pipes burst in the walls. Today, I ALWAYS make my contractor check out the plumbing first, including the sewer lines. It is important to have a working heating system in the home upfront so that much of the interior work, particularly the finishing and painting of the sheet rock, can be done. While the plumber is working, Ill have an HVAC crew installing a new heating system which consists of a new gas furnace and central air conditioning. I havent always replaced functional HVAC systems and even today, if the current system is fairly new, I will avoid it. Primarily, though, I always install completely new systems. Finally, if the electrical system needs to be updated in any way, I usually do this while the HVAC system is being installed. In many instances, if I am installing central air conditioning in a home that didnt have it previously, the electrical system will need to be updated to accommodate the central air. Other than this, which isnt always necessary, I rarely have to do any electrical work in my homes.

Step Six - Phase Four: Framing and Subfloors

Once the exterior and the HVAC, plumbing and electrical systems are done, I begin to address areas such as rotten wood, tearing down walls and building new ones. Of course, if Im going to remove or build a wall containing plumbing and/or electric, then my crew has to do it before or during Step Five. I make an effort to finish the basement of every house that I renovate. It creates more living space, and for many of my buyers, my finished basement is the reason that they buy my home.

Step Seven - Phase Five: Sheet Rock (Drywall)

Once I have completed all of the major systems, then I begin to do my sheet rock (a.k.a. drywall). If at all possible, I prefer to just skim and patch the walls, but I frequently put a lot of new sheet rock in my homes. Hanging and finishing the sheet rock is something that takes a while, but it goes a long way toward making an old house look new.

Step Eight - Phase Six: Painting

Once all of the sheet rock is done, we get paint on the walls. First, well put a coat of primer or a light first coat of paint on the walls and then have the sheet rock crew fix any flaws, which wont show up until there is paint on the walls. As soon as the flaws are repaired, well put two more coats of paint on the walls.

Step Nine - Phase Seven: Installing New Kitchens and Baths

Once the paint is on the walls, we get our vinyl floors in the kitchens and baths before installing all the new cabinets, commode, vanity, etc. We usually take our kitchen dimensions to Lowes or Home Depot and have them design the kitchen for us. It makes my contractors life easier and we always get the right size cabinets with a good fit.

Step Ten - Phase Eight: Punch Out

Once the kitchens and baths are installed, we start to wrap everything up. Contractors usually refer to this as their punch out and consists of all the little details such as outlets, switchplates, and light fixtures. Many times, a homeowner will walk through and create a punch list with the contractor. Since weve worked together for so long, my contractor already knows what needs to be done and we dont need to do this. Sometimes it seems like the punch out is the hardest part of the whole renovation since it takes so long to complete everything on the list. However, this is also the part of the job that makes your renovation a good one or an excellent one.

Step Eleven - Phase Nine: Carpeting

Since we dont want workers ruining the new carpet, this is the very last thing we install. We usually put new wall-to-wall carpeting throughout.

Step Twelve - Phase Ten - Clean Up and Landscaping

At this point, the home should be finished and well begin the clean up. Since you want your homes to stand out, it is important to get them clean and looking like a million bucks. If Im going to do any landscaping, it is usually done here as the last thing.

Step Thirteen - Phase Eleven - Marketing

Once the home is complete, I immediately begin marketing it. If the area is hot and the home is going to move quickly, then sometimes Ill start marketing before completion, but most of the time I prefer to have the entire job done before allowing people to see the home.

Step Fourteen - Phase Twelve - Final Repairs Required

Once the home is under contract with a buyer, they may select to use a home inspector and their lender will order an appraisal. As a result of the inspection or appraisal, you may need to do additional repairs. Then the inspector or appraiser will reinspect the property to make sure the repairs have been done before issuing their final approval.

James OKeefe is the owner of My Millionaire Friend, www.mymillionairefriend.com, offering FREE articles, tips, hints, and real-world advice on how to make money with your website. Visit his site or join his FREE newsletter by sending a blank email to mailto:newsletter@mymillionairefriend.com.

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Monday, December 3, 2007

Drug and Alcohol Addiction and Rehabilitation

Just what is addiction, you asked? Addiction is a physiological dependence on something, and is both physical and psychological in nature. When a person is addicted they literally need to feed that addiction constantly. Addiction is a traitor it sneaks up on you. People who are addicted often do not recognize that they have a problem, they think that the problem is with everyone. Addiction is different from abuse, a person can abuse drugs and not be addicted. The two most vital factors in determining addiction are tolerance and physical dependency. Addiction is very destructive, and most of the time people who are suffering from it end up hurting themselves and their love ones. It is hard to overcome but once the person began to see addiction as a problem in their life they can immediately seek alcoholism treatment or addiction treatment.

Teens partying late at night and imbibing drugs and alcohol for added fun, often dominated the silver screen. Quite a pretty picture isn't it? Oftentimes teens see it as an epitome. Although Hollywood does its part to show a different side of alcohol and drug addiction with movies like "Trainspotting" and "Girl Interrupted", the character still ended up being glamorous and ideal in nature and often overshadows the dark side of addiction. It is important to look at this depiction with a cynic eye. Movies are after all for entertainment purposes only, and there is nothing remotely entertaining about the reality of alcohol abuse and drug addiction. Addiction can be hell on earth and life in an Alcohol rehab and Drug Rehab can be a nightmare.

Illegal drugs and alcohol are addicting. Records show that the younger you are when you experiment with illegal drugs or alcohol you are more prone to become an addict in the future. Addiction often runs in families; you do not choose addiction, addiction chooses you. Experimenting with drugs and alcohol is a gamble, and the stake is your life, your personality, and your future.

Individuals often hide their drinking or deny that the fact that they have a problem. Signs of a possible alcoholism include having friends or relatives express concern, being irritated when people comment on their drinking, feeling guilty about their excessive alcohol consumption and thinking that they should moderate it but finds themselves unable to do so, or needs a morning drink to steady their nerves or relieve a hangover.

On the other hand, drug dependence often begins with the misuse of legal drugs like prescription drugs and inhalants. Inhalants are legal substances that becomes illegal when use in a manner that causes a person to get high. These also include aerosol cleaners, gasoline, cleaning fluids, butane, and acetone. These things are legal to sell or buy however, they are not controlled substances and they are relatively cheap when compared with drugs.

People with addiction work hard to resolve them, and with the support of family members and friends they are able to recover on their own. However in most cases, people they usually cannot stop drinking or using drugs by willpower alone. A lot of them require outside help, mostly from Alcohol Rehab or Drug Rehab. Alcoholism treatment and addiction treatment may need medically supervised detoxification to avoid possible life-threatening withdrawal symptoms such as seizures and convulsion. Once they are stabilized, they need help resolving psychological issues associated with their problem drinking.

There are numerous methods available for treating alcohol problems and substance abuse. For a free professional consultation to get help for yourself or a loved one call 800-559-9503 anytime day or night. Or you can visit these sites for more information:

http://www.helpaddicts.com
http://www.drugrehabcenter.com
http://www.dual-diagnosis.net
http://www.detox-center.com

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