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life-sustaining treatment, including artificially or technologically supplied nutrition and hydration, be withheld or withdrawn if you are unable to make informed medical decisions and are in a terminal condition or in a permanently unconscious state.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.

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.

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.

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.

Endometriosis – Causes, Symptoms And Treatment

Endometriosis is the growth of cells similar to those that form the inside of the uterus (endometrial cells), but in a location outside of the uterus. Endometrial cells are the same cells that are shed each month during menstruation. Endometriosis is a common health problem in women. In women with this problem, tissue that looks and acts like the lining of the uterus grows outside of the uterus in other areas. These areas can be called growths, tumors, implants, lesions, or nodulesIt facilitates collaboration and information sharing between women with endometriosis. Endometriosis is estimated to affect over one million women (estimates range from 3% to 18% of women) in the United States.

It is one of the leading causes of pelvic pain and reasons for laparoscopic surgery and hysterectomy in this country. While the mean age at diagnosis is around 25-30 years, endometriosis has been reported in girls as young as 11 years of age. Endometriosis is rare in postmenopausal women. Endometrial cells (loosened during menstruation) may “back up” through the fallopian tubes into the pelvis, where they implant and grow in the pelvic or abdominal cavities. This is called retrograde-menstruation. When endometrial tissue is located elsewhere in your body, it continues to act in its normal way: It thickens, breaks down and bleeds each month as your hormone levels rise and fall. Because there’s nowhere for the blood from this displaced tissue to exit your body.

It becomes trapped.Trapped blood may lead to the growth of cysts. Cysts, in turn, may form scar tissue and adhesions abnormal tissue that binds organs together. This process can cause pain in the area of misplaced tissue, often the pelvis, especially during your period. Scars and adhesions related to endometriosis also can cause fertility problems. Pain is one of the most common symptoms of endometriosis. Usually the pain is in the abdomen, lower back, and pelvis. Some women have no pain, even though their disease affects large areas. Other women with endometriosis have severe pain even though they have only a few small growths. Women with endometriosis may also have gastrointestinal problems such as diarrhea, constipation, or bloating, especially during their periods.

Causes of Endometriosis

1.Estrogen harmones

2.Retrograde menstruation.

3.Immune system

4.Allergic reactions.

5.Impact of toxins.

Symptoms of Endometriosis

1.Pain with sex.

2.Infertility.

3.Fatigue.

4.Painful urination during periods.

5.Infertility.

Treatment of Endometriosis

Progesterone counteracts estrogen and inhibits the growth of the endometrium. Such therapy can reduce or eliminate menstruation in a controlled and reversible fashion. Progestins are chemical variants of natural progesterone. Gonadotropin releasing hormone agonists (GnRH agonists) induce a profound hypoestrogenism by decreasing FSH and LH levels. While quite effective, they induce unpleasant menopausal symptoms, and over time may lead to osteoporosis. Laparotomy can be used for more extensive surgery either in attempt to restore normal anatomy, or at least preserve reproductive potential. Danazol (Danocrine) and gestrinone are suppressive steroids with some androgenic activity. Both agents inhibit the growth of endometriosis but their use remains limited as they may cause hirsutism. There has been some research done at Case Western Reserve University on a topical Danocrine, applied locally, which has not produced the hirsutism characteristics. Pseudopregnancy can be created using oral contraceptives containing estrogen and progesterone. Women take the medicine consistently for 6 to 9 months. This type of therapy relieves most of the symptoms, but does not prevent scarring from the disease.

Avoid coffee and alcohol. Conservative surgery removes endometrial growths, scar tissue and adhesions without removing your reproductive organs. In laparoscopic surgery, a slender viewing instrument (laparoscope) is inserted through a small incision near your navel. The laparoscope is equipped with a laser, a cautery an instrument that destroys tissue with heat or small surgical instruments. Melatonin and serotonin are increased by meditation, and the stress hormone cortisol is decreased. Oral contraceptive pills (estrogen and progesterone in combination) are also sometimes used to treat endometriosis. The most common combination used is in the form of the oral contraceptive pill (OCP). Treatment of endometriosis has involved the administration of drugs known as aromatase inhibitors (anastrozole [Arimidex] and letrozole [Femara] are examples). These drugs act by interrupting local estrogen formation within the endometriosis implants themselves. They also inhibit estrogen production in the ovary, brain, and other sources, such as adipose tissue.

Pronunciation: Get Better In Another Language

Pronunciation can affect how we communicate. Many people, who have had a go at learning a foreign language, have experienced that sinking feeling when they try a well-constructed sentence in another language only to be met with a blank face.

Why is this?

Languages are built on sounds. If I speak English and live in an English-speaking country I expect a speaker to say sounds in a particular way. In French or Spanish I would expect to hear different sounds. When we can’t recognise the sound we try and adjust how we are listening, a bit like tuning a radio, but if we can’t guess the sound, the chances are we won’t understand what is being said.

The Blocks of Pronunciation

Pronunciation has two main aspects to it, physically producing it and the sound that is produced from it, the hearing of the sound. As we get older the ability to do both of these, i.e. physically work out how to make the sound and recognise it, can diminish. This doesn’t mean we can’t continue to learn new languages but we need some extra tricks to help us.

Let’s look at some ideas on what we can do when we learn a new language.

How am I saying it?

Try saying the letters. Notice how your mouth is working. If you don’t know how a sound is physically made you may find it harder to say it.

What sounds are the same?

English has many more sounds than other languages but it also has a lot of sounds in common with other languages. Good dictionaries in a new language will usually offer an English sound or word to compare with. Use it to check what sounds are similar.

Which sounds are hard to say?

Go through the alphabet of the new language and mark out the ones you find hard to say. Give them some attention. Try and physically make the sound and see how your mouth works. Say the alphabet. Look at how children use the alphabet song in English to help them remember the alphabet, doing the same in a new language will also help memorise the letters and sounds.

Read out loud.

Find some reading form your course book or any other book. There are two advantages here. One you get to say the letters and words. Secondly you get to practise sounds that you expect to hear and you become accustomed to the sounds of the language.

How good do I need to be?

There is much discussion on this. For many of us the ability to get by in other languages is good enough. If we can say what we want, simply, slowly and the person we are speaking to, can understand us, then our pronunciation is probably good enough. After that it is a matter of choice. Some people become very good at other languages and get to very good levels of pronunciation. Not many of us are such gifted linguists but there’s no reason why we can’t make the words so that people can understand us.

Health And Beauty Products

They say, beauty comes from within. It’s definitely true � a healthy mind and body is the caretaker of a beautiful face. So, if you have a beautiful face that implies you are healthy from within.

To protect this beauty or to enhance this beauty, a number of national and international companies have launched various beauty products. These include top brands like Habibs, VLCC, Kaya Skin Care, Jolen, Lotus, Boutique, Herbals, Dove, Aroma Magic, H2O are all the names of the some most famous beauty and health brands in the Indian Market.

Products ranging from a small price tag of Rs 50 to Rs 5000/-, there is a complete range of products which can be afforded by a middle man. Products for dry skin, oily skin and mixed skin can be seen on the shelves of a number of shopkeepers

Health and Beauty products are the name in the market. From small shopkeepers to showrooms to shopping malls, there is a whole range of products to choose from. Even organizations like Kerala Ayurvedic have now launched products which are related to health and beauty. However, some of them are still conservative in indirect selling through market. Some of them still think of selling their products from their own counters as compared to selling them over the counter.

Health and beauty products include all � Cosmetics, perfumes, personal care products and heath equipments. Health products include foot massager, eye massager, glucose monitoring kit, hand massager, heat products for arthritis, body slimmer, and messagerchair and so on.

All these can be bought from any of the leading stores lined up in the market. They can also be bought from the leading online shopping stores like Home Shop 18, where, these products are available at discounted prices. Online home delivery is also one of the common and much marketed feature of these stores which lets you receive the purchased product at the comfort of your home. The rest about these online shopping stores can be known from the website of any of the leading stores�To know more about these kind of stores, simply log on to any f the websites and know the benefits of it.

Board Games Aimed At Teenagers

While there are board games made for every age range possible, there is a special market made for games which are geared toward teenagers. Many times, these games will be themed according to different forms of media which may be popular with teenagers of the day. The teenage years can be a time during which many children are trying to find themselves and often, they will express little interest in traditional board games. However, when there are games built around something that they are interested in, they might be more inclined to play one.

The popular High School Musical franchise has given board games a number of opportunities to base games off of the idea. It has produced a game based on a “Mystery Date,” where players must race around the board, getting ready for a mystery blind date with one of the boys from High School Musical. Not only is the person of the date in question, but whether the player can even be ready for the date in time is one of the driving forces of the game. Whichever player can race around the board and complete all of their tasks in time will be the winner.

Another High School Musical game is one in which players have to prepare and be ready for the audition. Trying out for the school play was the major theme in the High School Musical movie and in this game, players can feel the same rush of emotions as the characters of the movie did, trying to perform well and land the part. These games give teenagers a chance to experience some of the fun of one of their favorite movies while still giving them the opportunity to interact with each other in a safe manner.

Other, popular action movies can also provide the chance for some fun games to be produced. Pirates of the Caribbean and Transformers have both given their images to a number of games. You could find a Pirates of the Caribbean edition of Life or a Transformers edition of Risk. These games take the excitement of the movies they are based on and allow different teenagers to feel the same thrill they might have found in the theaters in the comfort of their own home. Again, they allow teenagers the chance to interact with each other in an environment which is safe and might keep them out of trouble which they may otherwise get themselves into.

This isn’t to say that traditional games aren’t popular with teenagers as well. Monopoly and Clue can both provide a fun night for any number of people. Teenagers aren’t exempt from this; they only sometimes need an extra little push into feeling like they are allowed to simply enjoy a board game. There is a lot of pressure on teenagers to conform to certain ideas and peer pressure can be high. Playing board games isn’t usually one of those things that teenagers can be pressured into by their friends. However, when the game is something that all of the teenagers will enjoy, it is much easier to convince them to play the games.

10 Reasons Why Los Angeles Computer Repair Is A Smart Option

People are today no more interested in waiting for the computer engineers to come at their home and fix up their computer problems. Everything is required by them today very quickly. As a result, they look out for services which are offered instantly and especially when it comes to computer repairs, people do not want to make any delay in it. Hence, internet is emerging as a very popular option for getting Los Angeles computer repair services. Problem related to your computer can either technical one or even related to hardware. By consulting immediately with the Los Angeles computer repair provider online, here are 10 prime benefits which you can get.

* In order to get Los Angeles computer repair services, you will not have to leave your home or office. Now you do not require unplugging your computer and taking it to the computer repair shop.
* Time can be saved by opting for these services online. People who are working from home are usually in need of proper computer services as they cannot afford to waste any time. Also, time which is spent by you in taking your computer to the computer repair shop will also be saved.
* As affordable Los Angeles computer repair providers are available online, you would be able to save money as well. Just a call and the expert will be right at your doorstep. Besides, you also would not take risk to taking away from computer to another place.
* You will also not have to wait for several hours for the computer expert to arrive at your home or office.
* You will be getting 24 hours services for 7 days a week. As a result, you can get computer support even on days when there is off.
* There are specialized providers of computer services who can tackle all types of problems related to your laptops.
* Qualified professionals will arrive at your home just at a call made by you. All your computer related problems can be solved by them and they will also scan your computer and update it with the latest anti virus versions.
* You can get excellent customer care services with expert technicians who are there to solve your queries 24 hours round the clock.
* Tips and techniques will be suggested to you for repairing and maintaining your computer in a proper manner.
* It is the most effective way in which you can fix up all problems related to your computer.

Teenage Gambling Addiction Education Needed At Local Schools

For the past few years teenage gambling has been increasing at an exponential rate. The increase in gambling can be contributed to family members who gamble, multiple television programs like poker tournaments and skillful advertising from the gambling establishments. It’s becoming an epidemic among our teenagers with no real solution being presented to the educators of our schools systems.

The new stream of commercials related to stop gambling has had very little affect. The commercials are geared towards helping people stop gambling but are not geared towards the individuals who have not experienced gambling at this point in time. The stop gambling commercials have not been able to reach the teenager with a compulsive gambling addiction. They however may reach the parents who may realize their child has a problem.

The only way to help our youth is to educate them in the classroom and at home. I remember years ago in health class they educated us on smoking and drinking. This was very effective on those individuals who never started. But the ones that were already addicted the educational programs were unable to reach them.

There following educational curriculums are needed for today’s students:

a)Helpful Resources for identifying teenagers who may have a compulsive gambling addiction.

b)Helping Teenagers identify their compulsive gambling addiction

c)Educating teenagers on compulsive gambling addiction. This one is my favorite because this has the best opportunity to prevent a teenager from gambling, helping teenagers identify the signs of compulsive gambling addiction and if the teenager has a problem with gambling.

d)Giving Teenagers the tools to identify others who may have a gambling addiction like their parents. This one has to be handled sensitively. I have received numerous emails from teenagers who did not know where to go, who to talk to in order to help a family member.

e)Educating Teenagers on the resources available to get help by giving them the local stop gambling telephone numbers and helpful stop gambling websites.

f)Understanding Compulsive Gambling Addiction

g)Practical exercises for teenagers with addictions to learn about self esteem, trust and more.

The above educational curriculums are needed to help educate the teenage population.

As each year passes the amount of teenager’s addicted to gambling increases. This increase is due to the increased exposure. This exposure is due to the increase in the number of cable and television gambling programs, advetising by local gambling establishements, retailers jumping on poker craze selling poker chips, the increase in the number of state lotto drawings per day and the state advertising for their scratch off tickets.