How To Prepare For Your California Home Inspection

Some people think California home inspections are a pretty cut and dry process compared to home inspections in other parts of the country where weather causes more home damage. Actually, California home inspections take just as long as any other home inspection, and can even take longer based on the size and condition of the home and if areas in need of inspection are locked, blocked, or not easily visible. If you want your California home inspection to run as smoothly as possible, be sure to do the following before your home inspector arrives: – Make sure access to the house is provided, either by means of a lock box, your realtor, the buyer’s realtor, or you being there. – Make sure that all areas of the house are accessible and visible. – Make sure that all utilities are on (including electricity, gas, and water) , the pilot lights are lit, etc. This is required to test appliances and the systems (i.e. plumbing & electrical) in the home. – Keep all pets out of the way during the inspection. – Inform the inspector of any specific conditions, flaws, or defects of the home. This will save time and help create a more honest inspection report. – Make yourself available to the inspector during the time of inspection. It is not required that you walk with the inspector during the inspection, but being available for questions or to help the inspector gain access to certain areas is important. California home inspections are no different than any other inspection. Inspecting a home takes time. In some cases, a home with little to no defects takes longer to inspect than one with multiple problems, based on whether or not the home owner prepared for the home inspection. If you want your California home inspection to run as smoothly and quickly as possible, properly prepare your home for inspection. Published at:

How to Select a Home Care Agency to Care For Your Family Member

Caring for seniors in their homes is becoming a very popular business; and one that is expected to grow as more and more people continue to age. But how do you find a good Home Care agency? Having owned and operated Wake County’s oldest Home Care agency, and being a certified trainer for the State of North Carolina’s DHSR, we know a little bit about what differentiates a good Home Care agency from a bad one. 1) Don’t just make sure they have insurance, ask for a copy of it! Every business owner in America can and should have a copy of a Certificate of Insurance. It details what insurance they have bought for a given period of time. Insurance a Home Care agency should carry is: Professional and General Liability, Workers Compensation, Theft or Bonding, and Hired and Non-Owned Auto. 2) How long has the agency been in business? Believe it or not, we’re still running across new things after 12 years of helping seniors. Nothing can replace experience! As an example, the longer an agency has been in business, the more established and trusted staff they have. They’ve weeded out the employees that “no call/no show” for a case, and are in a position to send out only trusted employees. 3) Does the owner of the agency give you their mobile number? Since we provide care to seniors 24 hours a day, 7 days a week, 365 days out of the year, my employees and clients may need to contact either myself or my Director of Nursing at anytime. Do they answer it? Test it a couple of times at various hours of the day, and see what happens. If you leave them a message and they don’t call you back; that’s very indicative of the type of service you’ll receive from them in the future. 4) You get what you pay for! Believe it or not, we are not getting rich charging our clients $20/hr. for services we provide. The margins in this line of work simply are not there. And we run a VERY lean agency. So, when someone says that they’ll only charge you $14 an hour versus our $20, you’re going to get what you pay for in service and in the employee they send to you. 5) Ask for referrals. We are MORE than happy to give both existing clients as well as previous clients that will vouch for both our employees that provide care as well as our commitment to customer satisfaction. The mere fact that the agency is willing to hand of references for you to call says a great deal about their agency; follow up and call those references! 6) How many clients do they have? Believe it or not, bigger is not always better. We’re a boutique agency; we only serve 30-40 clients at any one given time. Why, because it allows us to get to know each of our clients, their families, and their needs. I also know each employee that I am scheduling with the client. When it comes to Home Care, smaller really is better! 7) Who does the scheduling at the agency? While I hate to make blanket statement, I will say that “schedulers” and business owners have different priority sets. Having employed schedulers in the past, if the scheduler couldn’t find a fill in for a sick caregiver, they still received their paycheck all the same. In other words, if a scheduler couldn’t fill a shift, it was no skin off their nose. At Helping Hands of America, I do the scheduling. Raleigh is a small town, and I have a vested interest in making sure that my employees are there, day in day out. I can’t afford to have my professional or personal reputation smeared due to an employee dropping the ball. 8) Does the Home Care agency use a telephone log in/log out system; or a Telephony system? Every day, our employees call our Telephony system at least twice a day, to log in and to log out. If they don’t log in by a given time (normally 15 minutes after their shift was to start) the system both e-mails as well as texts a message to the office. We can then proactively call both the client and a replacement aide to get the shift covered. Caregiving is a tough job, and is hard on the caregiver. That’s why Home Care agencies are in the business they are. However, not all Home Care agencies take it as seriously as other do so that’s why it’s up to you to do as much research on them prior to bringing them into your home. Published at:

Should You Own a Home Health Care Franchise? – Some Advice From a Home Health Care Franchises Expert

If the idea of becoming a franchise owner in the burgeoning Home Health Care (HHC) industry is beckoning to you, there are some major questions you will want to consider. First, take an honest look at your own attributes. Secondly, assess whether franchising is the best option for you. And lastly, if it is, take time determining what franchise you will choose. To begin with, measure your own temperament and personality against the business philosophy of particular franchise you are considering, and the HHC industry overall. “This is a life-changing decision, and for some, it’s not the right fit,” says Eric Little, Senior Vice President of Franchise Development for Right At Home Healthcare Providers. “It has to be right on both ends of the equation.” Scrupulous franchise managers screen carefully for the attributes they consider vital to a successful franchise owner. Mr. Little says Right At Home works hard to make sure the expectations of potential franchisees are in line with the reality of the challenges and rewards they will encounter, especially in the first few years. They also require prospective owners to interview a minimum of 3 Right At Home franchise owners, usually more, so they can talk to both new and seasoned business owners. “It’s important to figure out your tolerance for risk and how committed you are,” he says. Since the first year will be all business building, you need to be comfortable with the up and down income stream during the startup period. Although owning your own franchise can be financially rewarding, most Right At Home franchise owners don’t come to it primarily for the money. Many want more control and flexibility in their work lives, but in addition, “we naturally attract those who care about others,” says Mr. Little, and often those people have personal experience as caregivers. Little says that the average Right At Home franchise owner is between 40 and 50 years old, has peaked in an earlier career and/or is not fulfilled there, and is entering the next phase of life with a desire to give something back to his/her community. After a long search, and after investigating ten to fifteen other Home Health Care franchises in New Jersey, Brian Maroney chose Right At Home. He fits the profile above – in fact, he had owned another franchise previously, unrelated to health care, and says he “Swore I’d never do franchises again.” But as the father of a young family, he says, “I wanted to make a difference, not just make money,” and so he began looking into home health care. After attending Right At Home’s Discovery Days with his wife, Mr. Maroney says they knew they had found the right partnership. “They had a really solid plan. Everything they told me has come true, and right from the beginning, they’ve been there.” Why choose to own a franchise instead of working for a corporation, or starting your own HHC business from scratch? Owning a HHC franchise may be right for you if: You want to work for yourself, are motivated and community-minded. You are relationship-oriented. “If you’d rather relate to someone over the phone or through your computer, this business is not for you,” says Eric Little. Brian Maroney, now in his fifth month as a Right At Home franchise owner, describes his average day as “getting out and building relationships.” You can be comfortable following a proven program. Following a franchise’s time-tested business plan can keep you from re-inventing the wheel or making costly mistakes. But when you run a franchise, your decisions affect other branches as well as your own. You need a balance between an entrepreneurial spirit and the willingness to follow guidance to the letter. So, if you want to minimize risk and go where you can see that others have been successful, franchising may be for you. But if having to do things the same way as every other franchise makes you feel like you’re in a cage, then going your own route might be a better choice. But even for those with experience in the business, navigating the ever-changing tides of regulation can be daunting. Eric Little says the future trend in Home Healthcare is toward greater and greater regulation at both state and Federal levels. Right At Home has a department devoted to staying abreast of compliance issues and communicating with national and local regulators. Without that kind of knowledge behind him, “I would have been a fish out of water,” says Mr. Maroney. What sets a good franchise apart from its competitors? Proven track record – A company like Right At Home, founded in 1995 by Allen Hager, fine-tuned its business and didn’t start its franchises till 2000. It now manages 155 offices in 41 states. Look at what kind of training they offer. A two-week intensive training period is the minimum at any Right At Home franchise, plus there are on-going learning opportunities. Do they have a training staff and ongoing support? Solid companies like Right At Home offer multi-tiered support structures ranging from financial to operational planning teams, regional meetings once a year, and an annual conference. How much access do you have to the corporate office? According to Mr. Maroney, communication with Right At Home headquarters is transparent and accessible: “I could get anyone from an assistant to the founder himself, and they call right back.” Brian Maroney says the future in Home Health Care franchising is bright for those who have a true vocation. “It’s a real need that will get bigger – so many people need the help that it’s almost as though home health care businesses are not even competing, they’re just all in it together, trying to meet the need.” Published at:

Secure the Ideal Long Term Care Plan in California

If you’re retiring soon, California is not the best place to settle in considering its very high cost of living. Meanwhile, if you’ve been a resident of this state since the day you were born and you don’t see why you should leave then perhaps you could consider a California Long Term Care Partnership plan to alleviate the cost of your long term care (LTC) needs. California is famous for its posh restaurants, beaches, Hollywood stars, Napa Valley wineries, and high-end nursing homes among others. In other words, it is known as an expensive state. Unless you are earning more than $100,000 annually this place is not recommended for you. On the other hand, if you are looking at different platforms for a potential LTC plan perhaps it’s worth stopping over California as it happens to be one of the four states which piloted the Partnership Long Term Care Insurance (LTCI) Program, a collaboration between state government agencies and private insurance companies to encourage people to buy affordable LTCI coverage. California’s Partnership Program allows a resident of California to purchase a policy with a short benefit period such as three years and save on the premium of his coverage. Upon reaching the end of his benefit period and he realizes that he still needs ongoing care, the policyholder can apply for Medi-Cal, California’s Medicaid program, and exempt a portion of his assets which is equivalent to the total amount of benefits which was initially paid out to him by his policy. Medi-Cal normally requires any single individual who wishes to avail LTC coverage to spend down his assets until it is not more than to $2,000. Meanwhile, if it’s a couple that wishes to apply for assistance, their assets must not exceed $3,000. Now with a partnership LTCI plan you don’t need to comply with these rules. California Long Term Care Partnership Plans You will find California on the list of states with the highest LTC costs. That said, it is really ideal to have a partnership LTCI policy if you live here but not everybody in California will qualify. One has to be a resident of California before he can apply for this type of LTCI coverage. Once you are found eligible, you can choose to buy a comprehensive partnership policy or another type which is known as facility only policy. The former partnership LTCI policy provides coverage in practically all kinds of LTC settings so you can receive care at home, in an assisted living facility, continuing-care retirement community, or in a nursing home among others and not worry about the expenses that you would incur because your policy will shoulder these up to your policy’s maximum benefit amount. Now choosing the facility only policy will limit your coverage to nursing home care or community-based care. If you’re going to hire a home health aide you’ll have to pay his rate from out-of-pocket. Both types of California Long Term Care Partnership plans are required to provide compound inflation protection to buyers who are younger than 70. Published at:

Home Care Services Toronto – Need an Experienced Home Care Provider

Managing home is a big task in itself. From kitchen to clothes to cleanliness everything requires great amount of time, energy and care. Doing the same work everyday brings monotony in life and if one is ill, or getting old or is incapable to work, it becomes very difficult and frustrating. Home care services in Toronto provide help in household work. You can get almost any type of help you want in your home. May be you are used to handling everything yourself or relying on family members for help, but circumstances change and it is good to be aware of all the home care services available. • Personal care including bathing, hair washing and getting dressed • Homemaking like cleaning of home, laundry work and yard work • Food preparation or serving meals • Health care including having a home health aid appear to your home Health care Some health care services can be provided at home by trained professionals, such as occupational therapists, social workers, or home health nurses. Check with your insurance to see what kind of coverage is available, although you may have to cover some cost out of pocket. Day programs Day programs, also called senior daycare, can help you keep busy with activities and socialization during the day, while providing a break for caregivers. Some day programs are primarily social, while others provide limited health services or specialize in disorders such as early stage Alzheimer’s. Tips for hiring home care providers in Toronto How you go about hiring home care providers in Toronto will partially depend on what kind of help you are looking for. For example, hiring someone to handle shopping or yard maintenance is different from someone providing hands on or live-in care providers. However, there are some basic tips to keep in mind. Remember that the more time and homework you spend in the initial hiring process, the better the chances of success. Interview several candidates, in person, before hiring. Even if you are working with an agency, it is important to meet the person who has been matched to make sure it is the right fit. Be particular about your priorities for a home care provider in Toronto and make sure in advance that the person should be comfortable with his tasks. First, ask him freely about his work experience and skills. For an independent service provider hiring, make a deal or bond for all the things like tasks, payment procedures, and termination procedures. If you are working with an agency, make sure you understand what is covered. What exactly is covered in a contract? Are there additional fees that apply to specific services or add-ons? If needed, what are the procedures for termination or requesting another provider? Check references carefully. Listen carefully to the person’s tone and information. Are they enthusiastic about the candidate, or are the answers vague and short? Also, look for unexplained gaps in references. Do background checks on top candidates. If you are working through an agency, background checks are often provided, but you will want to check exactly what is covered and how the check is done. If you are considering an independent provider, you can check on the Internet, your local police department, legal aid service, or an attorney for referrals to individuals or companies that do this. Do not be afraid to move on if it is not the right fit. It is especially important that you feel comfortable with your provider, since this person is providing services in the privacy of your own home. If you do not, try talking to the provider to see if that helps. Sometimes miscommunication can be ironed out. If not, don’t be afraid to find another provider and give your current provider notice. Published at:

Differences Between in Home Care, Assisted Living and Nursing Care

In home care, assisted living and nursing care are three entirely different things, but many people confuse them and consequently might not be getting the right information that they need. To be short, in home care provides services in the home of the client, assisted living provides a secure community with limited assistance, and nursing care provides full time care in a nursing home or other permanent environment. Each type of care is quite different and may or may not be right for your family. Understanding these differences is critical in order to make an informed and responsible decision. In Home Care In home care is the type of care preferred by most people because it allows clients to keep the maximum amount of independence possible. With this level of care, a professional will come to your home and care for your senior family member. Care can be light such as simple companionship and basic help around the house, or it can be more complex and include mobility assistance, help with incontinence issues, and transportation where appropriate. In home care is flexible in the sense that it can be provided just a few days a week, full time, or on a “relief” basis for family members or other care providers. This level of care is also generally the least expensive, making it an excellent option for many people who wish to remain at home and keep their independence. Assisted Living Assisted living is a moderate level of care featuring independent or semi-independent living in a specialized community that provides some level of senior care. This means that seniors generally live in their own apartment or condominium, but are not responsible for things like lawn care or major property upkeep, etc. Within this community there are generally a number of different types of assistance available; in some cases including nursing and transportation services to medical appointments, grocery shopping, etc. Nursing Care Nursing care generally refers to full time live-in care at a dedicated facility. This is the highest level of care and can include medication management, help with mobility, incontinence care, care for severe dementia or other emotional/mental disorders, and care for the bedridden. Many people progress naturally from in home care to assisted living to nursing care as their daily assistance needs change. Because nursing care is such an intense level of care, it can be prohibitively expensive in some cases. Thankfully, most nursing care facilities accept many types of insurance, and military veterans may be eligible to receive benefits to pay for services related to any of these levels of care. However, for many people in home care is the preferred option. The independence and flexible support it allows helps families stay together, conserve resources, and relieve the burden of a primary caregiver. For an immediate consultation and to learn how in home care can benefit your family, call a professional provider now or contact one by doing a Google search for one in your area.

Most Recent Home Care and Elder Care Services

newer Home Care and Elder Care Services Home Care and Elder Care Services The Middle for Illness Management (also regarded as the CDC) reviews that each and every yr, a lot more than 200,000 people are hospitalized since of the flu and 36,000 pass away. For elderly people and older adults, flu season can be really significant, and in worst instances, deadly. 90% of flu-associated fatalities and additional than ½ of all flu-associated hospitalizations arise in individuals age 65 and older. Seniors in their 70’s and 80’s are at even increased threat than individuals in their 60’s-immunity declines with age. This is specially crucial for men and women who have asthma, heart illness, diabetes, lung troubles, or other critical conditions. Senior Care: Finding an Yearly Flu Shot Even if you received a 2009 H1N1 seasonal vaccine, it’s still a great thought to get vaccinated this yr-vaccine viruses are routinely updated every yr, with recipients gaining flu immunity two weeks following vaccination. For elderly folks or elder care providers, it’s finest to speak with your health practitioner or nurse to figure out the very best choice for your flu prevention. In standard, it’s well worth finding vaccinated as aging can weaken your immune technique, creating oneself or your senior loved a single more susceptible to flu viruses. Home Care and Elder Care Services Elder Care for Flu Signs and symptoms If your elderly cherished one particular arrives down with flu signs or symptoms, they may will need health-related evaluation promptly, like speedy treatment with antiviral medication. Signs or symptoms include things like chills, fatigue, headache, body aches, stuffy nose, sore throat, cough, and fever. If you’re delivering elder care for a father or mother or cherished 1, get them healthcare care promptly if you discover they have purple or blue lips (lip discoloration), chest ache or trouble breathing, frequent vomiting and are not able to preserve down meals or liquids, or if they show indications of dehydration, are not able to urinate, come to feel very dizzy when standing, practical experience seizures, or seem perplexed and non-responsive. If you’re supplying elder care for a family members member or mother or father, stay away from shut get hold of with your loved 1 for the 1st number of days, as he or she is most probably to spread flu virus and infection. Frequent hand washing and hand sanitizer also assists avert cold and flu from infecting other people.A excellent elder care tip is to supply your loved a person with a healthy diet to boost immunity from the flu, and maintain your father or mother or cherished one particular warm at all occasions. Flu season runs from October to February and seniors are susceptible to issues. Vaccination is the most vital factor in senior flu prevention, and is up to 90% effective. People today offering elder care must be mindful of the hazards the flu poses for their elderly cherished ones.If you desire to discover additional about elder care, flu prevention, or respite care for families, speak with an elder care provider. Disclaimer: The details in this report is not intended or implied to be a substitute for specialized health-related guidance, diagnosis or remedy. You are encouraged to verify any information obtained from or by way of this article with other resources, and evaluate all details about any medical affliction or therapy with your physician. Never ever DISREGARD Expert Health-related Suggestions OR DELAY Searching for Health-related Treatment method Simply because OF One thing YOU HAVE Study IN OR ACCESSED By means of THIS Article.

California Refinance – Refinancing In California

The real estate market in California is booming. Home values continue to appreciate almost on a daily basis. Refinancing your home is an excellent way to take advantage of the low interest rates currently being offered by California lenders. The beautiful scenery and warm climate make California and ideal place for families and businesses alike. If you currently live in California and are considering refinancing your mortgage, there are both online lenders and traditional mortgage companies who can give you excellent rates and lower your monthly mortgage payments. Refinancing your home basically replaces your existing mortgage with a new loan. You can choose either a variable or fixed interest rate and the length of your new loan can be up to 30 years. Varying terms and fast approvals make refinancing your California home a smart decision. Refinancing can give you extra money each month due to the potential decrease in your monthly mortgage payments. If you are paying a high rate of interest on your mortgage, then now is the best time to refinance your home in California. California is a great place to own a home. The business community is thriving and the sun swept landscape is breathtaking. Mortgage lenders can generally provide home loans in all states, so choosing a lender that will refinance your California home is easy. Online lenders can give you quotes from multiple mortgage companies with one simple application. By completing a short application, you could be contacted by lenders who are anxious to approve your California refinance loan in just hours. Many lenders are offering zero point loans and low cost refinancing. Even with bad credit, you can refinance your California home. Compare your current interest rate with the low rates being offered by lenders and see if you could save money by refinancing. Some lenders will even finance the points you pay on your loan to reduce the amount of cash you need upfront. If you want to refinance your home and lower your payments, contact a lender who can approve your loan in California or in any other state you may own a home. Refinancing is a great way to take advantage of the great loans being offered by online lenders and traditional mortgage companies. You can get free quotes from several lenders and compare the rates offered by each. You can lower your monthly payments and have extra cash each and every month.

California Yacht Weddings: California’s Great On Water Weddings And Charters

Thanks to its incredible coastline, California yacht weddings are a great way to express your love of the Pacific and your spouse-to-be. If you’re planning a nautical wedding, continue reading for a rundown of recommended yacht wedding charters in California, along with a few hints and tips that will keep you clean and dry on your wedding day. Admiral Yacht Charters Admiral Yacht Charters focuses the bulk of their business on California yacht weddings, all leaving from the Newport Beach Harbor. A standard wedding package with them will range in price from $7000 for 50 guests during the low season to just under $17,000 for 150 guests during the peak season. All wedding packages include boat charter, crew, décor, ceremony and a catered reception. The yacht company has a strong profile in the Newport Beach area and books up quickly, so brides should be prepared to commit well in advance. Hornblower Weddings in California Hornblower Weddings have a fleet with ports in San Diego, Marina Del Rey, Berkeley, San Francisco and Newport Beach, meaning they can service almost the entire California coastline. That also means they’re very popular with California brides. The prices at Hornblower aren’t the cheapest in California, but they’re still reasonable. Brides can expect to pay about $150 to $160 per guest for a standard package that includes a sit-down dinner, drinks, a DJ, ceremony and decorations. The Hornblower fleet is made up of 25 vessels, ranging from small and intimate (20 guests) to massive (up to 600 stand-up guests). Electra Cruises Electra Cruises services the entire Southern California area, utilizing either their own fleet or a network of vessels in the surrounding area. Their services also go beyond yacht charters. They also do complete wedding consultations with the bride to arrange catering, decorations, invitations and other planning tasks. Many brides enjoy the personalized and customized service, along with the included DJ and photographer. Electra Cruises is popular for a reason – they offer stellar yacht weddings at incredibly low prices. Brides can expect to pay $6000 and $16,000, depending on the vessel, day and number of guests, but their average price is about $80 per person for a Saturday wedding. However, while the company provides a photographer and DJ, the cost doesn’t include a host bar. Expect to pay an additional $12 to $14 per person for bar services. Hints for a Great Yacht Wedding California yacht weddings are all about the open sea and beautiful harbors. Unfortunately, they also come with salt water, dirty piers and multiple wedding dress hazards. Keep your dress pristine by looking for a yacht company that offers an on-board change room and opt for a dress without a train. If you decide after all that you strongly prefer a typical lengthy wedding gown and train for your ceremony on the yacht, you should come well prepared with 2-3 bridesmaids who can assist keeping your gown and train from dragging across a wet or dirty floor.

What to Do About California DUI

If you have been convicted for California Dui, make sure that you know that you’re in a tight spot. This is a serious matter and cannot be resolved simply by searching for information about it on the Internet. However, it can help to read up on the basic facts about dui so that you will be aware what situation you’ve gotten yourself tangled up in. There are many articles such as this one that can guide you to taking the right steps to resolve this matter. Lawyers First of all, you have to contact a qualified and legitimate lawyer. It is better if this lawyer specializes specifically in California DUI. To find one, search on different channels such as the Yellow Pages and the Internet. You can then come up with a list of names. Then, you will have to narrow down this list of names. Base your choice on your personal priorities, not dumb luck. Think about your budget, and how much you are willing to allot on a lawyer. Remember that the bigger names and the more popular choices are usually more expensive. This is because they have earned themselves a good reputation in defending cases similar to yours. This is a good thing, but for practicality’s sake, you need to choose one who is a balance between reputable and affordable. Another way of choosing is to access their websites. You can tell if a lawyer is professional by the way his website is presented. Then, there is the consideration of how accessible they are. If you try to contact the lawyer through phone or email and it takes him very long to respond, or not at all, then it may not be a good idea to hire him. You might have difficulties in the future getting in touch when it is urgently needed. If you can get some verification of the lawyer’s capabilities and skill at defending DWI cases from other people, the better. You may have some friends or relatives who can highly recommend someone from personal experience. It is always good to ask, so you can look into it. If you need additional information, you can check with the California State Bar. They have a website where you can access profiles and background information about all the lawyers in California. Do a quick search and see if the lawyer you are considering is listed as active. If not, they might not be legally allowed to practice their profession in the state. Check also if there are any conditions that are preventing him from being eligible to practice law. They might have done some unsavory things like not paying their dues or other things that require disciplinary sanction, and are not qualified to represent you at the present time. Another way is to look for reviews by previous clients. People who have had experience being defended by these lawyers will be in the best position to say whether the attorney is an effective one or not. Finally, when you’ve located a lawyer, make sure that you submit a request for an administrative hearing. This will be done with the California DMV. You will need to submit this within ten days of your arrest for California DUI, so be prompt and turn to your lawyer for advice.