Thursday, August 2, 2012

Globalteer in Colombia: Wet, wet, wet!

The residents of Medell?n frequently speak of how the quality of life in their city has improved drastically over the past decade. After Medell?n-native Alberto Uribe became Colombia?s president in 2002, the Paisas, or residents of Medell?n, began to see a striking change in their city, as the federal government focused more attention on Colombia?s second city. Infrastructure was improved, public transport was upgraded, and safety concerns were tackled head on. Most strikingly, many of the social problems that had plagued the city began to be addressed through a citywide cultural revolution. One of the most notable initiatives was the creation of a Sports and Recreation Institute, INDER, an organization that encourages young people to engage in physical activity and play sports. Across the city you can see numerous public soccer fields, basketball courts, swimming pools, playgrounds and youth recreation centres. Medell?n hosts over seventy such facilities, completely free and open to everyone, from foreign tourists to children from poor neighborhoods.? Recently the children from one of Globalteer Volunteer Colombia Children?s projects were treated to an afternoon excursion to a nearby pool by new volunteer Alex and visiting ex-volunteer Michael. Equally thrilled to be welcoming Michael back to the project after several months away from Medell?n, as well as from the excitement of showing Alex their neighborhood, the children eagerly took turns grabbing the hands of the two foreigners and leading them along as the group of twenty-five paraded through the bustling hillside community.?

The INDER swimming pool is only a ten minute walk from the project, but for many of the children it was their first visit. As it is a public pool and the Paisas take personal hygiene very seriously, everyone was obliged to come prepared to swim with tight-fitting swimming suits and caps. While the other adults changed into their Speedos, a few of the children chose a bright lime green swimming cap for Michael from the vendor outside the pool.?

The complex is small but state-of-the-art, boasting a small children?s pool and a much larger one for adults. Several INDER employees stood watch, clad in the organization?s easily recognizable yellow and green outfits, and led the twenty small children (and the foreign volunteers) in various aquatic activities.?

Unfortunately, two of the young boys had forgotten to bring a tight-fitting swim suit, so were not allowed to enter the pool. Forced to remain in the small plaza between the two pools in their baggy shorts, they looked longingly through the chain-linked fence at the other kids playing in the pool. All of a sudden powerful jets of water erupted from hidden spouts in the plaza, soaking the two surprised boys. The other children quickly abandoned the pool to join them, running around the plaza enjoying the impromptu shower, and often sitting directly on top of the jets. Various children placed their swimming caps on top of the strong jets of water and squealed with joy as their caps shot high up into the air.? After several hours playing in the water the children were worn out, and several were even able to trick the volunteers into carrying them part of the way back to the project. The group collectively decided to stop at a corner restaurant on the way back and the twenty children, two staff members, two volunteers, and volunteer coordinator all shared a large meal of chicken and Coca-Cola. The irony of the food choice was not lost on the children, as they had all taken to affectionately calling Michael ?chicken? during his six-month stint as a volunteer. Obviously thinking it hilarious to be eating chicken with the man who had so successfully taught them the word in English that they had decided that it should be his nickname, many of the children insisted on having their picture taken with both Michael and a drumstick or chicken breast.


During what was to be the first of numerous future visits to the neighborhood pool, the children were reminded by their adult chaperones of how lucky they were to have such impressive recreational facilities so easily accessible for everyone to use. The city?s initiative stemmed from the belief that by providing the city?s youth with unrestricted and plentiful access to recreational opportunities and by promoting sports and wholesome activities for them to become engaged in, the young people would be far less likely to fall victim to many of the temptations, vices, and dangers that have been known to plague the city?s marginalized hillside barrios. By all accounts the INDER initiative seems to be a huge success.??

Source: http://globalteercolombia.blogspot.com/2012/07/wet-wet-wet.html

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Wednesday, August 1, 2012

How Oakland became the spiritual capital of Occupy Wall Street

The Anti-Capitalist Brigade started gathering early on May Day at Oakland?s Snow Park. There was free coffee, oatmeal, doughnuts, fliers with the day?s agenda and plenty of pot. A ?street medic???I just finished a wilderness first-aid course,? he told me when I asked about his training ? tended to his first case of the day, a man in his 20s whose leg had been beaten to a purple hue with a metal rod in an overnight fight in the park. Nearby, an organizer reminded protesters to take down the toll-free number for the National Lawyers Guild: ?This is important. Do not put it in your cellphones, because if you get arrested, the cops will take those away. Write it on your bodies. In indelible ink. There are Sharpies on the table.?

No central action was planned. A coalition of labor unions had asked Occupy Oakland, with its proven ability to turn out large numbers of militant activists, to blockade the Golden Gate Bridge, but then withdrew the request at the last minute. Instead, thousands of Occupy protesters met at various ?strike stations? and fanned out into the streets with shields and gas masks (or the homemade alternative: bandannas soaked in vinegar), transforming downtown Oakland into a roving carnival of keyed-up militants of every shape and size: graduate students, tenured professors, professional revolutionaries, members of the Black Bloc, dressed like ninjas, their faces obscured.

Joints were passed, but this was not a mellow crowd. A barefoot man known as Running Wolf grabbed an American flag from outside a popular cop bar and dragged it behind him. Packs of protesters charged into businesses, overturning tables, shattering windows and smashing A.T.M.?s. An activist spray-painted vulgarities on the window of a Bank of America branch.

The Menace was loose again, as Hunter S. Thompson wrote about a different group of rabble-rousers, the Hell?s Angels. This riot had a soundtrack, too, a cacophony of chants??Strike! Take Over!? and ?Take Back Oakland! Kick Out the Yuppies!??overlaid with beating snare drums and the rhythmic thump-thumping of the police and news helicopters hovering overhead.

Many businesses were closed, less in solidarity with May Day than out of fear of reprisal from protesters. The rumored targets weren?t just the big corporations, but smaller shops that were the quarry of the so-called antigentrification brigade. In an Occupy Oakland twist on the ?Soul Brother? signs that shopkeepers used during the race riots of the 1960s, Awaken, an upscale cafe and art gallery, had plastered its windows with signs reading:

?We are Oakland. We are the 99%.? As the swarm made its way down Broadway, shouting, pounding on windows and throwing bottles at stores, two Asian immigrants hastily boarded up their small, sad-looking beauty-supply store. When I tried to talk to one of them, he shooed me away ??Too busy?? and reached for another board.

A few blocks away, I spotted Phil Tagami, a real estate developer who has taken to standing guard in the lobby of his downtown office building with a shotgun during protests. Dressed in black fatigue pants and combat boots, he was scuffling with a group of activists who were trying to force their way into another upscale cafe called Rudy?s Can?t Fail.

Clusters of cops in riot gear stood impassively outside a few strategic locations. Others jogged around the city in formation. At one point, a few officers knocked a protester in a black hoodie off her bicycle, pushed her facedown on the ground and roughly zip-tied her hands. An angry crowd quickly converged, chanting, ??Pigs go home!?? Then there was a pop ? the firing of a tear-gas canister ? and a cloud of chemical smoke quickly swept across the block, temporarily dispersing the protesters.

As the activists collected at the intersection outside City Hall, Scott Olsen, a 25-year-old Iraq war veteran who was shot at close range in the head last fall with a beanbag round by the Oakland Police, rolled a cigarette and calmly observed the chaos through glazed blue eyes, his long, stringy blond hair protruding from beneath a protective helmet. He looked less like an ex-Marine than a stoned, skinny teenager who had gotten lost on his way to the skate park. I asked him what brought him out. ??I can?t stay home on a day like this,?? he said.

LAST SPRING, as the Occupy movement struggled, vainly, to recapture its lost energy in New York and elsewhere, in Oakland it remained vital. Occupy Oakland was the show that wouldn?t close, complete with its own cast of celebrities, including Olsen, the movement?s Ron Kovic; Tagami, the city?s Charles Bronson; its mayor, an ex-radical herself; her countless critics; and Oakland?s infamous police department ? O.P.D.

In a sense, Oakland is the last place you would expect to find the most stubbornly active outpost of the Occupy movement. It?s a city almost entirely devoid of financial or corporate institutions, a city that ?capital? fled decades ago. The shimmering skyscrapers of downtown San Francisco, packed with Pacific Heights investment bankers and venture capitalists, are all of 12 minutes away. Silicon Valley, bursting at the seams with dot-com millionaires, isn?t much farther. Why not take the fight there, to a more plausible surrogate for Wall Street?

Maybe because Occupy Oakland, whether its leaders have articulated it or not, isn?t a protest against what Oakland is, but rather what it?s in danger of becoming. Oakland may be broke, but all of the wealth being generated in its immediate vicinity needs someplace to go, and some of that wealth is already beginning to find its way to Oakland, to a place that has long been the catch basin of America?s radical energies and personalities.

Why are radicals so inexorably drawn to Oakland? The cheap rents don?t hurt (free, if you?re willing to squat in an abandoned house or industrial space, and hundreds apparently are). Oakland is urban, dangerous and poor?fertile social conditions for inciting revolution. What?s more, it has a long, easily romanticized history of militancy. America?s last citywide strike, in 1946, took place there; the Black Panthers were born in Oakland; and David Hilliard, a former Black Panthers chief of staff, still gives three-hour tours of the movement?s local landmarks and sells his own line of Black Panthers hot sauce: ?Burn Baby Burn.?

Running parallel to this history of political militancy is a history of lawlessness. In the early 1970s, when the Hell?s Angels were scandalizing America, their most infamous clubhouse was located in East Oakland. The Oakland native Felix Mitchell was one of the first to scale up corner drug dealing into a multimillion-dollar, gang-controlled business. On his death?he was stabbed in Leavenworth in 1986 ?the city gave him a hero?s send-off: thousands came out to see his coffin borne through his old East Oakland neighborhood by a horse-drawn carriage trailed by more than a dozen Rolls Royces and limousines.

In Oakland, the revolutionary pilot light is always on. At the dawn of the 20th century, the Oakland writer and social activist Jack London said this to a group of wealthy New Yorkers: ?A million years ago, the cave man, without tools, with small brain, and with nothing but the strength of his body, managed to feed his wife and children, so that through him the race survived. You on the other hand, armed with all the modern means of production, multiplying the productive capacity of the cave man a million times?you are incompetents and muddlers, you are unable to secure to millions even the paltry amount of bread that would sustain their physical life. You have mismanaged the world, and it shall be taken from you.?

It?s a dream that still exists in Oakland ? that the world can be taken from the haves and delivered to the have-nots. Like all dreams that are on the brink of being extinguished, its keepers cling to it with a fierceness that is both moving and an extreme exercise in the denial of the reality that is at their door.

Read the rest of ?The World Capital of Anti-Capitalism? at The New York Times Magazine.

Jonathan Mahler is a contributing writer to the New York Times Magazine and the author of ?The Challenge? and ?Ladies and Gentlemen, the Bronx Is Burning.?

Source: http://news.yahoo.com/how-oakland-became-the-spiritual-capital-of-occupy-wall-street.html

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Let Reid Pour Some Sugar On That Threeway, Sept 24th, Baltimore ...

It?s a popular fantasy with twice the pleasure potential, but navigating a three-way romance (if only for one night) can be tricky.

Join world renowned sex and relationship educator Reid Mihalko for this fun-filled, two-hour workshop on Negotiating Successful Threesomes? (with live demonstrations!)?

Not only will you get a chance to ask questions, but we?ll cover:

  • What are the best techniques to satisfy two lovers at once?
  • Ways to overcome fears and concerns ? yours AND your partner?s!
  • The most common threesome mistakes (and how to avoid them!)
  • How to negotiate boundaries and safer sex protocols to make your next m?nage ? trois tr?s bien!

DATE: Mon, Sept 24th, 2012
TIME:?6:30-8:30pm
WHERE: Baltimore?s one and only Sugar!
927 West 36th Street (on the Avenue in Hampden), Baltimore, MD?21211 -?View Map
Questions? Call?410.467.2632
Cost: $25 - Buy tix in advance to guarantee your seat! Buy tickets?soon!

For more information? see www.sugartheshop.com

See Reid?at Woodhull?s Sexual Freedom Summit, too!

Whether you?ve had more threesomes than Jim Morrison or are just beginning to consider three-in-a-bed might be something you?d like to explore, this workshop will give you plenty of tools, tricks, perspectives and laughs to enhance your love life and strengthen your relationships!

Even if you would NEVER be interested in a 3-way, this fun-filled class will give you lots of ways to talk to your loved ones about the things you DO WANT in the bedroom ? no matter how tame or outrageous!

Bring your loved ones, bring your friends, and enjoy an educational and entertaining evening on how to successfully navigate one of the most common sexual fantasies: the threesome!

See Reid?at?Woodhull?s Sexual Freedom Summit, too!

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ABOUT REID: Reid Mihalko of www.ReidAboutSex.com helps adults create more self-esteem, self-confidence and greater health in their relationships and sex lives, no matter what their self-expression of those happen to be.

From his rated-PG/PG-13 workshops (Cuddle Party, Speed-Flirting) to the rated-R (Iron Slut Sex Educator Showdown) to his explicit, NC-17 rated, Show-N-Tell sex education workshops (where audiences get to watch, take notes, and ask questions), Reid?s workshops have been attended by close to 40,000 individuals from myriad walks of life, orientations, relationship styles, countries and religions. Known for his charisma, wit and emphasis on integrity, Reid travels the country teaching, coaching, consulting and collaborating on fulfilling his mission: Create more self-esteem, self-confidence and health for adults in and out of the bedroom.

Reid has been a featured speaker at dozens of conferences on relationships and sexuality and is a sought-after presenter and teacher at colleges and sex positive stores across the country.

Reid has been a writer and producer on a number of films and television projects about sex and relationships, and appears regularly in the media. He has also appeared on the Emmy award-winning talk show Montel, Fox News, OWN?s Our America with Lisa Ling, Bravo?s Miss Advised,?VH1?s Scott Baio is 45 and Single, Showtime?s Penn & Teller?s Bulls**t!, Canada?s The Sex Files and SexTV, and the short-lived Life & Style, on NPR, Sirius? Maxim Radio and Cosmo Radio, and in Marie Claire, GQ, Details, People, Newsweek and The National Enquirer, as well as media across the globe in thirteen countries and at least seven languages.

Follow Reid twittering as @ReidAboutSex.

Source: http://reidaboutsex.com/let-reid-pour-some-sugar-on-that-threeway-sept-24th-baltimore-md/

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Website Marketing, SEO Optimisation Services UK - Website ...

Important Online Enterprise Methods eCommerce web optimization

In case you are working a web-based enterprise you then can?t afford to ignore the benefits of ecommerce SEO. That is essential for achieving regular site visitors stream to your web site and increasing turnover. With out ecommerce search engine optimization you might find that your ability to attain your potential online will be limited.

Why you Want eCommerce search engine optimisation

Search engines like google are key gateways for the circulation of site visitors around the internet. If your business is just not visible to search engines then you would be lacking out on a big share of your target audience. eCommerce search engine optimisation is about getting your web site seen on search engines. Efficient ecommerce search engine optimisation strategies can increase your rating outcomes and guarantee prospects know what you do and the place to find you.

What is eCommerce search engine optimization?

eCommerce could be a complex discipline so it is a good idea to choose a specialist service. eCommerce entails key strategies such because the evaluation, development, optimisation and promotion of your website. This allows you to promote your corporation successfully on-line and direct more traffic to your site:

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Benefits of eCommerce search engine optimization

The net business markets are rising an increasing number of competitive. You have to make use of all of the methods you?ll be able to to remain forward of your competitors. eCommerce website positioning can present your website with the boost it wants to gain that further edge in saturated markets:

? Generate Visitors ? ecommerce search engine marketing can improve website publicity and make sure that high quality visitors is continuous generated. The more visitors you can drive out of your audience to your web site the better your small business can perform.

? Improve Revenue ? ecommerce web optimization is all about growing your revenue. In case your website will not be simply accessible customers will pass you by. You?ll want to take into consideration ecommerce SEO as leaving arrows all around the Internet that point your prospects immediately again to your website.

The upper the search engine outcomes and the extra online exposure you will get to your brand the more chance you should have of attaining you business goals. SEO services will let you maximise your small business potential.

eCommerce search engine marketing is a vital strategy for businesses. This provides you with an effective way to generate more quality site visitors and boost your income and turnover.

Search Engine Optimization (SEO) - Webmaster Tools Help
Site Explorer - Majestic SEO

Source: http://www.genesiswebsitemarketing.com/essential-online-business-strategies-ecommerce-seo/

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Company Letters: Do You Truly Know What They are? | PyaarDosti ...

Copyright ? Shaun R. Fawcett

My two ?writing help? Internet internet sites receive effectively more than two million guests per year looking for information and templates to help them with their writing. With that a lot of guests I get a fairly accurate idea of precisely what men and women are searching for inside the way of letter writing support. The truth is, a substantial quantity of folks arrive at my web site according to the search phrase ?business letter?.

Now, at first glance the term ?business letter? makes sense. But, just wait a minute here! What specifically do they mean by ?business letter?? Well, it turns out that they?re not certain. What it boils down to in several circumstances is that the particular person doing the search is involved in some kind of ?business? (as owner or employee) and they must write some type of ?letter? associated to their organization. Hence, their search phrase of ?business letter?.

I frequently get e-mails from folks asking me if I?ve any company letter templates, or if I can write them an enterprise letter. Invariably, I have to reply to them asking ?what type of enterprise letter, what is the specific purpose?? The reality is; ?business letter? is a really general term that may imply certainly one of several various precise letter varieties.

Accordingly, the rest of this article is going to clarify exactly what organization letters are.

In spite of the widespread use of e-mail in commerce today, conventional enterprise letters are still the primary way that the majority of businesses officially communicate with their consumers along with other corporations.

This is specifically true when businesses wish to formalize an agreement or an understanding. So far, emails are great for all the preparatory operate, but a formal organization letter is nevertheless most typically required to ?seal the deal?.

You?ll find two general categories of business letters: business-to-business, and business-to-customer.

BUSINESS-TO-BUSINESS LETTERS
Most business-to-business letters are written to confirm issues that have currently been discussed amongst officials in meetings, on the telephone, or by means of e-mail.

Are you able to imagine the letters that would need to go back and forth to cover all of the questions and possibilities that will be covered within an one-hour meeting, a half-hour phone contact, or even a few swift e-mails?

The primary goal of a common company letter will be to formalize the details that were arrived at in these discussions, and to offer any added info that was agreed upon.

More than the years, certain common standards have evolved inside the organization world that the vast majority of corporations use in drafting their business to organization correspondence. The Top 10 business-to-business letters that people search for at my writing assist Net sites, in order of popularity, are as follows:

1. thank you letter
2. introduction letter
3. cover letter
4. financial letter
5. marketing letter
6. sales letter
7. project letter
8. invitation letter
9. employee letter
10. congratulations letter

Although the above terms are considerably more certain than the general term ?business letter? you will find a number of types of every in the above letters, based on the purpose with the letter. By way of example, a business-to-business ?financial letter? may be: collection letter, credit approval letter, credit refusal letter, invoice, value quotation, and so forth.

Organization TO Buyer LETTERS
There are lots of diverse varieties of business-to-customer letters. They include: sales and advertising and marketing letters, details letters, order acknowledgement letters, order status letters, collection letters, amongst others.

As with business-to-business letters, more than the years particular general standards have evolved in the organization world that the vast majority of businesses use in drafting letters to current and potential clients.

Naturally, going inside the other direction are customer-to-business letters. These contain: order letters, order status inquiry letters, complaint letters, and other individuals.

Because these are customer-generated letters, there?s no particular expectation that they comply with any particular letter- writing normal. Generally, they are handled just like any other piece of private correspondence.

The Prime ten business-to-customer letters that people search for at my writing help Internet sites, in order of reputation, are as follows:

1. cover letter
2. customer relations letter
3. financial letter
4. credit letter
5. introduction letter
6. order-status letter
7. sales letter
8. marketing letter
9. announcement letter
ten. apology letter

Comparable for the situation with business-to-business letters covered in the prior section; although the above business-to-customer letter sorts are much more precise than the general term ?business letter?, you?ll find also numerous kinds of every single with the above letters, according to the purpose of the letter. For example, a business-to-customer ?customer relations letter? could be any one of : response to a complaint, follow-up with a new buyer, interrupted service notice, letter of acknowledgement, special invitation, welcome to new consumers, etc.

BOTTOM-LINE
As it is possible to see from the above, specifying that you are looking for a ?business letter? is not really enlightening. You need to be certain and define the objective from the letter; that is, precisely what will be the letter meant to communicate?

It?s important not to confuse non-business letters with company letters. As an example: job application letters, cv and resume cover letters, employment and college related letters of recommendation, character references, resignation letters, etc. are not organization letters.

You might be shocked to find out that over 75% of all guests to my main writing support Web web site are searching for info on how to write just the Leading 20 letters listed above. Actually, it turns out that a total 90% from the far more than 1 million men and women that check out that site each year searching for letter writing support are hunting for support with one of a list of 25 letters.

That?s why all of my letter writing toolkits focus on several variations of about 40 precise letter kinds that cover more than 95% of ALL letters ever written.

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Source: http://pyaardosti.com/company-letters-do-you-truly-know-what-they-are

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New Website Uses Math to Give Money Advice | Tampa GigaList

As Michael Carvin prepared to buy a home in 2010, he figured he would be good at it: He'd been working in finance for seven years, helping companies make financial decisions. But he discovered that buying a home was far more complex than his day job. "There were tax consequences, financing alternatives, and I had Realtors telling me I could afford twice what I thought. I was left with a lot of confusion," he says.

[In Pictures: 10 Ways to Give Your Money a Makeover.]

Initially, Carvin tried to get answers by going online. While personal finance blogs and bank-provided mortgage calculators were somewhat helpful, he didn't find the kind of personalized, detailed advice he wanted. So he built his own financial model, the same way he built models for companies for his job. He projected tax benefits, real estate values, future income, and other factors to come up with a complex calculator that helped him figure out whether or not it was a good decision to buy.

After determining that it was and buying his first home, he started sharing his model with friends and family. "After seeing their 'aha moments,' similar to my own, I realized there was an opportunity to provide deeply personalized, quantifiable financial advice," says Carvin.

While continuing to work in private equity, he started working on his new project, now SmartAsset.com. Carvin says it took about seven months to collect the data, including state and local tax information, and to build the formulas. "There are so many different tax rules. We're calculating standard deductions, itemized deductions, state taxes, and local taxes," says Carvin, who now works on SmartAsset full-time.

In contrast to online mortgage calculators, which Carvin says tend to emphasize how much banks will let you borrow, instead of what makes sense financially for you, SmartAsset's approach considers the need for a down payment, an emergency-fund cushion, and closing costs, as well. "We don't just tell you anything is possible. It's a totally different approach," he says.

[See 20 Hot Money Moves for Summer.]

Clicking on the "Is it better to buy or rent?" question initiates a series of queries for the visitor: Are you single or partnered? What is your income? How much money do you have in savings? What other monthly expenses do you have? Then, a graph pops up: One line represents net wealth if you continue to rent, the other net wealth if you become a home owner. After a certain amount of time, depending on the values you entered, net wealth under homeownership generally exceeds net wealth from continuing to rent.

The message? Consider buying if you plan to stay in the home longer than the length of time where the lines cross.

After launching last week, SmartAsset.com garnered 17,000 visits in the first 24 hours, largely as a result of media coverage. Carvin and his team plan to continue expanding the site in the coming months, turning to retirement savings, investing, the pros and cons of returning to school versus staying in the workforce, and other complicated personal finance topics. "Over the course of the next 18 months, we want to get between 200 and 300 questions answered ... Let's show you the tax consequences of investing in a Roth IRA versus a 401(k), and how it would change your ability to accumulate wealth," says Carvin.

[In Pictures: 12 Hidden Costs of Homeownership]

He says the tools on SmartAsset.com will remain free, and the company will generate money through referral fees by connecting visitors with companies offering relevant financial products, such as mortgages. Carvin says that to avoid a conflict of interest, SmartAsset receives the same referral fee from every lender, so it has no incentive to push a specific bank.

Says Carvin, who just turned 30: "The vision for the company is to bring a new level of transparency to financial decisions. We want to be your first point of reference for any decision in life--if you're thinking of going back to school, or buying a house."

More From US News World Report

Article source: http://finance.yahoo.com/news/website-uses-math-money-advice-172429360.html

Source: http://tampa.thegigalist.com/new-website-uses-math-to-give-money-advice/

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Home Care Kirkwood MO - Senior Services Unlimited

Are you considering home care in Kirkwood MO for your elderly mother??

At some point or another, many of us will either need to consider home health care for ourselves, or for a loved one. Choosing home health care may be an easy choice for some, since it allows the person to remain in their own home and continue a certain level of autonomy while providing the attention and health care necessary. However, there are many other details included when it comes to implementing a home health care system.

One of the biggest issues is the cost of home health care and how to pay for it.

A common question is whether Medicaid pays for home care.

Government Assistance

Run by the federal government, Medicaid is a health care assistance plan for those who have low income and limited access to resources to traditional medical care. Most states have their own program with differing requirements and rules.

Note that coverage includes a certain amount for deductibles, premiums and co-payments used in conjunction with Medicare, which is also a federal insurance program for those over the age of 65 and some disabilities and diseases.

Home Health Care

Home care usually funds through a sub-section of the program, called Home and Community Based Services, or HCBS.

HCBS programs offer some or all coverage for various home health care costs, such as physical therapy, nursing care, home assistance with cooking, laundry, cleaning and/or meal delivery, transportation to and from necessary doctor and other appointments, participation in an adult day service program, home modifications to add safety elements and medical equipment and supplies.

The program requires an application process, which generally goes
as follows:

- ?Locate your local HCBS program and apply for home care assistance.

- ?The program will evaluate the need for home health care assistance and medical care to determine if the individual needs the home health care to avoid placement in a nursing home.

- ?Once the need for home health care is established, the program will look to determine whether the individual meets income and asset eligibility levels.

- ?To begin the process and apply for home health care benefits, start by going to Benefits.gov and selecting your state. Then look for your state?s home page, where you can look for information about contacting the HCBS program to ask about applying and eligibility
requirements.

For more information about how the caregivers at?Senior Services Unlimited?can help your family with?home care, call?(888) 427-5285. We are a elder care agency providing quality and affordable?home care in Kirkwood MO, and the surrounding communities.

Source: http://seniorservicesofstlouis.com/2012/07/home-care-kirkwood-mo-2/

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