Living Will Forms And Health Care Power Of Attorney Forms

The purpose of a Living Will declaration is to document your wish that life-sustaining treatment, including artificially or technologically supplied nutrition and hydration, be withheld or withdrawn if you are unable to make informed medical decisions and are in a terminal condition or in a permanently unconscious state.
1. Life-sustaining treatment means any health care, including artificially or technologically supplied nutrition and hydration, that will serve mainly to prolong the process of dying.
2. Terminal condition or terminal illness means an irreversible, incurable and untreatable condition caused by disease, illness or injury. Your physician and one other physician will have examined you and believe that you cannot recover and that death is likely to occur within a relatively short time if you do not receive life-sustaining treatment.
3. Permanently unconscious state means an irreversible condition in which you are am permanently unaware of yourself and your surroundings. Your physician and one other physician must examine you and agree that the total loss of higher brain function has left you unable to feel pain or suffering.
Having a Living Will does not affect the responsibility of health care personnel to provide comfort care to you. Comfort care means any measure taken to diminish pain or discomfort, but not to postpone death.
In most states, a Living Will is applicable only to individuals in a terminal condition or a permanently unconscious state. If you wish to direct medical treatment in other circumstances, you should prepare a Health Care Power of Attorney.

The Health Care Power of Attorney form gives the person you designate (agent or attorney-in-fact) the authority to make most health care (including dental, nursing, psychological, and surgical) decisions for you if you lose the capacity to make informed health care decisions for yourself. This authority is effective only when your attending physician determines that you have lost the capacity to make informed health care decisions for yourself. As long as you have the capacity to make informed health care decisions for yourself, you retain the right to make all medical and other health care decisions. You may also limit the health care decisions that your agent will have the authority to make. The authority of the agent to make health care decisions for you generally will include the authority to give informed consent, to refuse to give informed consent, or to withdraw informed consent to any care, treatment, service, or procedure to maintain, diagnose, or treat a physical or mental condition.

Learning The Art Of Cooking At A Culinary Arts Institute

Food is about more than fulfilling the body’s most basic requirements. While minimalists might argue that the only reason to cook is to keep oneself from starving, there are many who think of food as a beautiful opportunity for enjoyment. A culinary arts institute can help you maintain that balance between the body’s needs and the body’s desires, by teaching you how to prepare exquisite dishes while keeping the principles of basic nutrition in mind.

A culinary arts institute helps you become a better cook by giving you a well-rounded education. Clearly, a solid understanding of the basics is important in any profession. Just as an artist needs to know the different brush strokes and a lawyer needs to understand previous rulings, a chef needs to know the basics of food preparation. To this end, a culinary arts education will start with instruction in basic food preparation, laying the groundwork for more specialized instruction.

The fundamentals of nutrition are also very important, as they allow a chef to put together meals that not only taste good, but also are good for the body. The human body needs certain quantities of vitamins and minerals every day in order to maintain good health; these nutrients are present in food, but in varying amounts. In other words, different foods can be good sources for different nutrients, requiring that a person eat a wide variety of foods in order to satisfy his or her body’s needs. The instruction in basic nutrition that you will receive at a school of the culinary arts will help you better plan meals that are both nutritious and delicious.

These basic principles are the building blocks of the culinary arts. Once you understand nutrition and the basic techniques of food preparation, you will be ready for the next level, where cooking becomes an art rather than a skill. This is the point at which a culinary arts institute will begin teaching more advanced skills, such as preparing cultural and international cuisine, and advanced confectionery. As you become a better cook, your education will teach you not only how to make specific dishes, but the principles of cooking and taste combinations, to be used in altering or creating your own recipes.

Although basic instruction, such as simple cooking skills and the principles of nutrition, are an important foundation to achieving mastery of the culinary arts, there is a point at which cooking ceases to become a skill and is instead transformed into an art. The job of a culinary arts institute is to bridge that gap, turning you from a mediocre cook into a culinary artist.

Small Business Services

Not selling small business services poor oversight. Small business is BIG business! Who hasn’t heard that statement? But have you really thought about the concept? It’s been around and it’s been used over and over and even if it does sound contradicting, it is the truth. You know this – not only does each of the small businesses provide their services, but they require just as many. Individually each one of them is probably not a company’s largest buyer, but collectively those businesses are a powerful force.

There are 550,000 new businesses started each MONTH in the US! Granted, a lot of them will fail, but hold on for each one of those businesses to get going, they need to write a business plan, incorporate, create a logo, create a website, open a line of credit, open up an office/retail space, equip that space, hire employees, pay them… the list of tasks is long and the dollar amount behind it is large. Take all those needs and multiply them through the number of startups and you see a multi-billion dollar effect. No wonder the government makes special effort to promote small business loan access, create tax breaks, allows for a favorable playing field to compete with the industry leaders.

Trying to Understand the Market

The newest trend by the large corporations is trying to accommodate these small businesses by providing products customized for them and trying to understand their needs (which credit card company doesn’t offer a Small Business card?). Well the corporations may be trying to understand the small established business, but they are still overlooking the startups. There is the stereotypical reason to overlook these cash-strapped startups that they don’t have money to spend. Well, the reality is they may be bootstrapping and cash may be very delicately calculated, but the entrepreneurs who are running those startups know that they have to spend money and know how to spend that money and they DO spend money.

The Mindset

Who gets it – other small businesses get it! So what needs to be understood about these entrepreneurs? The first thing that must be known is that just like any group of people can’t be defined by just one description. There are very savvy individuals who start companies, there are simpler-minded ones; there are ones with reserves, and ones without; there are patient, hardworking ones and impatient and lucky ones. That’s the first part, the second is that they are just like most well-informed consumers today, only they expect even more for even less. The lowest dollar, no matter how appealing, is not the answer if it does not provide a solution, so spending an appropriate amount of money is not out of the options.

Some of the entrepreneurs know that they need a website, but they don’t have $7,000 to spend on one; others know that they need a business plan to secure funding and ARE willing to spend $2,000 understanding the need that they have and the way they intend to alleviate their pain is the way to sell your service. They may shop around a lot longer, and come off as wasting too much of the vendor’s time, since finding that deal is so crucial to keeping costs down; they may barter, they may balk entirely but do know that if they engage you in a price quote and open a dialogue, they are not there to waste either your or their time for that matter they are there to buy.

The Built Environment

When you walk around an area – a neighborhood, a downtown or a park – what makes you want to linger or get out of these as fast as possible?

The answer is the built environment, also known as what is built where. This is made up of the way that structures interact with people and other structures. It has an impact on how the area is used and by whom.

On a local level, take a look at two urban developments: Centro Ybor and BayWalk, (both of which I frequent, and both of which I enjoy). At Centro Ybor, one gets from the parking garage to the center by walking past a couple of derelict buildings and going over train tracks. At BayWalk, one walks out of the garage and nine times out of ten hears live music from a lone musician, trumpet case open and ready to receive your pocket change. You walk through a path lined with benches and public art. It is usually shady. BayWalk stands before you as a lure to get you there.

Downtown Clearwater is facing a major shift in its built environment.

Though developers who have come to downtown Clearwater have admired the street grid, the block lengths and the scale of Cleveland Street, how successful they are in creating an urban neighborhood that will invite people to linger is still to be seen.

A new streetscape, the construction of Water’s Edge, Station Square and Clearwater Centre, the restoration of the Telephone Exchange Building (formerly the home of a plasma center on Cleveland and Garden) and the completion of projects by the Church of Scientology will all contribute to the downtown experience.

The idea that all of these will create an environment that makes social experiences happen is an exciting one, one that will depend on the public and private sector working together to make it happen.

Why Real Estate Investing Will Always Be Very Profitable

In recent months there has been a lot of talk about a crash in the real estate market.

Analysts predict a housing bust. News reports indicate that home sales are declining in several markets all over the country. This paints the picture that real estate investing is no longer a lucrative business. Investors all over the country are advised to get out of the game as quickly as possible to avoid losses.

What analysts and news reports don’t tell you is that every decade for the past forty years there has been some kind of warning about a crash in the real estate market. Each time these warning come out, people begin to mistrust real estate investing.

They turn their sights to other forms of investing. Analysts to preach this gloom and doom on the real estate market also do not understand that real estate investing is much different than stock investing. The same rules and trends do not apply.

Every decade when analysts state their predictions for a real estate market crash there are some real estate investors who heed this advice. These investors eventually regret doing so once they realize that there was no cause for alarm in real estate investing. Smart investors, on the other hand, realize that there is always money to be made in real estate investing and they know exactly why.

Humans have only a few basic needs. These basic needs never change, they never go away. These needs include food, clothing, and shelter.

The constant need for shelter lies at the root of the reason that real estate investing will remain profitable. Of course, there are some other key elements, but the least you need to know is that humans will always need real estate.

Even if real estate somehow dwindles from a structure with walls and a roof to a measly hole in the ground, it is still considered shelter. Someone has to provide these holes in the ground. Some holes will end up being better than other holes. Some people will have the means to buy and sell multiple holes. Real estate investing will continue to exist.

The real estate market alone will never experience a crash. In all the years that real estate has been around, the market has never crashed. The only time you will see a negative impact on the entire real estate market is when the general market experiences a downfall as well. However, when this happens, the value of all other commodities will decrease at the same time. Even in this case, real estate investing can still prove to be profitable.

You might see a local real estate market decline as a result of another catastrophe, such as New Orleans in the case of Hurricane Katrina. Because of a natural disaster, the majority of the real estate in the area was lost. There were no properties for homeowners to purchase. A key thing to know in real estate investing is that local markets always correct themselves. The disastrous loss in the New Orleans area created a huge opportunity for real estate investing.

Although the real estate markets in various cities might fluctuate from time to time, the real estate market as a whole will never experience a serious decline. This is the reason that real estate investing will remain a lucrative form of investing.

Emperor Penguins

The Emperor Penguin is most noted for its size, reaching up to four feet in height, making it the tallest penguin of its species. Its stomach is white and its wings and back are black, lending its trademark “tuxedo look.” Although penguins have wings they do not fly, but swim through the water at an average speed of four to six miles per hour, with possible bursts of up to twelve miles per hour. Although water mixed with cold temperatures causes humans to experience hypothermia and even death, penguins have a preen gland which secretes an oil that they use to coat their feathers with so water will run off of them.

Emperor Penguins live in the coldest region of any other penguin on earth. They not only survive, but reproduce and thrive where other penguins cannot. Adult Emperor Penguins travel about sixty miles into Antarctica for breeding season. Although cold temperatures are a threat to the survival of other penguins and their eggs, the Emperor Penguin has characteristics that allow them to keep warm, notwithstanding below freezing temperatures and high winds.

After searching for a mate, the female lays a single egg in the months of May or June. After laying the egg, the female will carefully pass the egg to the male to incubate until it hatches. This process is carefully executed so the egg does not have any contact with the ice where it would immediately die voiding the couple’s attempt at reproduction that year. When the male successfully receives the egg he incubates it above his feet in a flap of skin called a brood pouch. In order to stay warm in the extreme temperatures, Emperor Penguins form large groups and huddle together. They instinctively know when to move from the center of this huddle toward the outer edges to give each penguin the warmth of the middle. This process allows for them to survive the brutal temperatures in the Antarctic.

After the male has the egg, the female is free to travel to get food. She returns after about two months. After her arrival she is able to regurgitate the food for the young chick when it hatches. If the chick is born before the female returns, the male is able to produce a milky substance from his esophagus to keep his young alive. When the female returns to care for her young, the male is then free to go in search of food.

While it may seem unnatural for a species to reproduce in such extreme weather conditions, in actuality winter is the ideal season for reproduction because there is less competition for food. Emperor Penguin chicks are larger than other penguin species and an adequate diet is essential for their survival. Only in the harsh days of winter is there enough food for them. Emperor Penguins diet consists mainly of cephlapods, such as octopus and squid, but they also eat krill and fish. Their threat for survival is not only freezing in the cold temperatures, but also natural predators such as sea lions, Orca Whales and sharks. Although global warming has raised concerns for Emperor Penguins, there is thought to be an estimated 350,000 of them in the world.

Survival in Antarctica seems impossible, yet the Emperor Penguin continues to thrive in these freezing temperatures. Their physical characteristics, instincts and socialization allow for them to continue to reproduce and thrive in a climate that would otherwise be deadly.

Five Reasons To Choose A Photography Workshop

Following are the five reasons to choose a photography workshop:

Generate Enthusiasm and Motivates You

A photography workshop encourages you and excites your passion for picture taking. It will excite you to hold your camera and, along with other like minded people, move into the extreme soul of photographic creativeness in an intense as well as enormously enriching way.

Like Minded People, with Common Interests

There are several people, who are enthusiastic about photography. In their desire to gain knowledge and discover, they don’t mind traveling long distances to explore photographic collections, buy a lot of books and undoubtedly take part in discussions and take pictures all through the year. However, for a few people motivation and enthusiasm are difficult to generate.

The advantage of going for photography classes is that you are able to totally concentrate on your photography! You’re free to enjoy and engross yourself in photography completely with like minded people.

Professional Guidance on Hand

What’s important in photography workshops is that trainers ensure every customer has all the help and assistance they require. For some there is a lot of photography learning to do, for others improvements in present skills and developing their individual style is required.

A good trainer will make sure everybody gets precisely the level of help they need and is ready to offer help when required.

Chance to learn from a thorough Professional and Create your Individual Style

In photography classes, there is a good opportunity to create your individual special style via experimentation under the helpful guidance of the trainer. Once the specialized skills are learned, you are free to expand creatively, exploring things in a different manner.
There might be a lot of photographers whose work you look up to, however take time to create your individual style as well as vision. Because of a complete immersion experience, your imaginative antennae turns out to be more intense.

Technical help – Exposures, Placements, Filters etc

A lot many times the camera and its mechanism is able to puzzle photographers. Several people might have temporary memory loss as to what function does what on the camera. However, the learning as well as developing techniques of picture taking are dependent on day-to-day practice.

Therefore, photography courses in India are the perfect chance to let both technique and creative constitution to flourish.

Workshops provide you a chance to find out about right exposure as well as filtration which help and support to make the image ‘in camera’ – which is where the center and core of fine constitution is to be seen � by that lessening the requirement for any �salvaging’ of the image, making use of imaging software.

Financial Planning – The Key To Your Lifelong Success

Financial planning is not limited to asset allocation, mutual funds, and fixed-income investments – planning should include every aspect of your life.

Should you apply for that credit card? What type of car insurance should you buy? Should we save for our child’s college or put money in our IRA’s instead? These and many more questions are all part of financial planning.

The Larry Rule – A Little Known Financial Planning Fact

Larry Lindsey is not a famous name, even in financial circles. Currently, Mr. Lindsey is the chief economic advisor to the Bush Administration. In 1996, he was a Federal Reserve Board Governor – and he was denied for a Toys ‘R Us credit card!

To apply or not to apply, that is the planning question. Larry Lindsey, who had excellent credit and a high-income level, set out to demonstrate a flaw in credit scoring algorithms.

He simply applied for every retail store credit card he was offered, and in no time he had “too many inquiries.” Never mind the fact that he had millions in assets and nary a late payment in his 30-year credit history.

Knowing the Larry Rule is key to your financial planning. If you apply for retail store credit cards every time you are asked to do so, it will have negative effects on your credit.

You may then be asked to pay a higher interest rate on your mortgage or home equity loan, which could cost you tens of thousands of dollars. Sacrificing $10,000 for a 10 percent discount at Fashion Bug is not smart planning!

Auto Insurance and Financial Planning

Most people think of insurance as a legal necessity, but in reality, it is a financial product, and that’s important to keep in mind. Don’t ever buy insurance just because it’s legally required or in order to give yourself peace of mind. Insurance must serve a financial planning purpose!

You need to have a planning strategy in mind when you purchase auto insurance. The insurance company’s goal is to get you to pay more in premiums than you take out in claims – thus, they profit.

Your goal should to pay as little in premiums as possible in order to be adequately covered. You don’t want to have to use your auto insurance, but at the same time, you don’t want to be subsidizing the bad drivers who take out more in claims than they pay in.

In order to develop a financial planning strategy for auto insurance, it’s important that you become as educated as possible on the subject. Luckily, there are dozens of great sites on the internet that provide free information on the various types of auto insurance plans, and the particular laws of your state.

Everyone has to own some form of auto insurance, and thus it should be the cornerstone of any intelligent planning strategy.

The Financial Planning Dilemma – College vs. Retirement

American parents love their children and will do almost anything to ensure they have every possible advantage. As a result, many parents save for their children’s college instead of saving for their own retirement. This act of selflessness is usually not a good planning strategy.

In order to avoid this mistake, one must have a decent understanding of financial planning tax implications. Most college savings accounts are taxed on some level, whereas financial planning products for retirement purposes generally are not. What’s more, saving for your child’s college can prevent him or her from receiving the maximum financial aid available.

In other words, by foregoing your retirement in favor of your child’s college, you are actually subsidizing the children of less responsible parents – or smarter parents who chose to save for their own retirement, in light of these facts.

Hints On Creating A Business.

CREATIVE MARKETING IDEAS

Solve the economic problems in France by the creation of mini enterprises.

The author of this article is an ex-patriot Briton who has lived in France for thirty years but has never truly adapted to the Gallic mentality of the welfare state.

In France where I live there is a lot of talk about the cost of living. There is more talk about the length of the working week. There is even more talk about the length of one’s working life.The thing is the cost of living does go up. The answer is not to bring it down. It’s to earn more money. Everything is relative.Some years ago the government reduced the working week to thirty five hours. The worker became very competitive. But he didn’t earn any more money. He just had more time on his hands with no money to enjoy it better. Today a man can hope to live to perhaps eighty years of age. Most people here officially retire at sixty and actually stop working around fifty five to fifty seven. That means a longer retirement with even less money to spend.What needs to be done is to re-define work and income. In the minds of most people income is related to the hours of work done. Well and good, but there is a limit on the number of hours one can work and there is also a limit on what the market can bear in the way of salaries.The answer of course is to have an extra source of income. Writing is a good example. It costs nothing to write a book except time. Mind you, the chance of actually making any money is slight.

The Ideal Business

Another way is to start a business. How should we define what today is the ideal business?If the person concerned wishes to start a business to earn extra income he certainly doesn’t want to lose a lot of money. Neither does he want to add the stresses and strains of corporate management.

Let us take a group of men and women for example. It is always better to work with like minded people. So our future businessman or woman should look around him for positive minded people with the same ideas. One is usually surrounded by people with negative ideas and negative advice. We are going to imagine that these future businessmen and women are already successful in their own fields such as computer engineering and real estate and various other areas. This is very important. If one is going to undertake a project it’s always better to associate with successful people; maybe they don’t want you, but you need them. Now, while remaining independent, they will join together to use their combined force and that of new technologies such as internet to cover the globe in a new venture. I believe the word now used is to create synergy.

Convinced today that the need is to have multiple mini enterprises connected in a global strategy with a common aim they would join with a powerful multi-national. Why? Because they do not want to be involved in the production, stock, research, shipping and the myriad of other tasks that are involved in marketing that have to be done. Somebody has to do it certainly. That though should not be the job of the small start up business. There could be other ways, but that is the least complicated choice. The difficulty is to find the reliable company with the perfect track record, the unique product and the ability to pay one for the results obtained. Five or six intelligent people with much past experience can do this. The corporation will therefore be responsible for the creation, development and worldwide distribution of the products concerned. The French group develops business contacts that in their turn create the markets in their respective countries.

Today the ideal mini business should be no more than a computer, a cell-phone, and a bank account. It should have very limited stock or even none. It should have no salaried employees. It should have no rent to pay for offices. The investment should be minimal; certainly less than the creator’s monthly salary. It should also function along with whatever other activity is currently being practiced.

The project should meet all of the above. There might be slight variations depending on the country concerned and the commitment of the future associate.

A knowledge of English is necessary, the use of Skype for communications advisable. It is almost impossible today to develop internationally without English. Also personal communications between the associates is essential. Skype or some other system provides the means of a cost free service. Nobody can seriously develop a business worldwide without its use.

Another requirement of a good business is to have an unlimited income potential. While nothing is guaranteed in business there should be the possibility of very great financial gain. The group and the parent company should provide training all along the way. At each stage of the upward development of the business the appropriate training would be given, either locally or in the new associates region. This of course being backed up by contacts on Skype etc.

The Beauty And Health Of Women

The issue of beauty and health of women are related to each other. This will include the relation of health to cosmetics, safety measures to be adopted during manicure, dark circles that appear below the eyes, etc. There are different safety concerns that need to be taken into account while talking about the relation between health and beauty in women. Especially in case of cosmetics safety measures need to be understood. Cosmetics include products for make up and hair and other products that are used on the human body.

Let’s consider one issue where health and beauty are related to each other. Pregnant women often wonder if they can use hair care products like hair dye. It is a matter of concern as to whether such products will cause damage to the baby. The level of safety during the use of hair dye on pregnant women is questionable. The body is able to absorb very little of the hair dye that is applied. So, it is not likely that the chemicals which are absorbed by the system will harm the baby. It would be better to consult a health care professional about the use of hair dye during pregnancy.

Health and Fitness for Women

With all of the roles women are expected to play, health and fitness for women has become all the more important to consider. By realizing that being a mother, a partner, and a career woman are all exhausting tasks, you can see how a woman’s body might need more attention. But by also being more likely to care for everyone else but us, it’s not something that’s easily done. Here are ways that you can start to take charge of health and fitness for women – and more importantly, you.

Partner in Health
Next in the list of things for women to do is to be a supportive partner in their relationship. While this doesn’t seem to be a part of health and fitness for women, it most certainly is. By making good health choices and decisions, you will be influencing your partner and creating the foundation for a long and active life together. And this doesn’t even have to require nagging or pleading with your partner. By simply taking the time to exercise with each other and eating balanced meals, you will do more for your health and your relationships health than any nagging would.

Heart Disease in Women
Generally, women ignore the problem of heart disease, as it is considered to be more common in men. However, women also suffer from heart disease and are required to take adequate care of their heart. If women pay a little attention to their health then heart disease in women can be easily prevent themselves from this health risk. Also it will make early diagnosis possible, giving the advantage to cure it well in time.
According to a survey the ratio of heart diseases is more with men than women. But it does not mean that heart disease in women do not affect their life.

Causes:
Increasing use of cigarettes smoking, obesity, high cholesterol and high blood pressure are the common causes giving boost to heart disease in women. For keeping themselves from any hazard it is important for women to keep away from smoking, drinking, loose weight, physical inactivity and unhealthy eating habits. Apart from this, many other risk factors such as age, heredity, menopause and even genetic causes increase the chances of heart disease in women.

Breast Cancer Prevention and Treatments

Women’s health is directly affected by cancer which is believed to have been diagnosed in excess of a million people in the United States, though it is a widely known fact that the development of cancer can be significantly reduced by practicing a healthier lifestyle, maintaining good nutrition and limiting sun exposure. In addition, cancer screening, a basic understanding of cancer prevention as well as cancer prevention programs would all help to drastically improve women’s health.

It is believed that women who are 65 years of age or older contribute to half of the new breast cancer cases every year and the number for older women having breast cancer is expected to double by the year 2030 as the baby boomers age. Younger women diagnosed with breast cancer often receive better care than their older counterparts, even though women want their doctors to look at the condition not their ages.