Monday, December 31, 2012

Family Friendly Ways of Getting Rid of Fleas Without Chemicals

Our whole world is so full of pesticides and toxins that we seem to be bathing in them and when it comes to our pets, they often literally are. We're a society of quick fixes and we want quick and permanent relief from pests that annoy and irritate us. It's only natural that when our pet brings home an infestation of fleas, we want to turn to chemical insecticides to rid the house of the pets quickly and thoroughly.

However, it isn't necessary to soak your household with chemicals and toxic products to get rid of fleas. Chemical products are marketed by advertisers who want you to believe you must use their product to be flea-free. They are not going to tell you that there are safer, family-friendly ways to remove fleas from your pet and home that don't place your family's health at risk. It's up to us to become a bit wiser and to realize that the way we think about these things is largely the result of clever marketing over time.

You can avoid insecticidal or chemical treatment soaps and sprays and still rid your pet and home of fleas. They aren't necessary for flea removal. After all, what did people do before this chemical age? Regular soap is perfect for killing fleas, so you can wash your pet once or twice with pet shampoo to rid it of the pests. The soap suds act with the water to drown the fleas, others will be washed off by the flow of the water and if outside will often drown in the puddles created. When your pet is dry, comb it well with a flea comb to remove eggs.

Family Friendly Ways of Getting Rid of Fleas Without Chemicals

To prevent re-infestation, you will need to get them out of your home before your pet comes back in. If your throw rugs and blankets are small enough, toss them in the washing machine and wash with laundry detergent in hot water. If your washing machine is too small, most bath tubs will be large enough to completely cover them with soapy water and drown the fleas. Any fabric item that your pet likes to rest on also needs to be washed thoroughly. If your pet enjoys sleeping on a pile of your clothing (cat owners will understand this), those shirts and pants will need to be washed as well.

Carpets can crawl with fleas which love to hide in the tiny fibers. It is therefore essential to completely clean your carpet to remove all fleas. Vacuum first. Vacuuming can remove fifty percent of the fleas on a single pass. After you vacuum, your carpeting can be washed with soapy water, but soak it well. A token scrub with a soapy rag isn't going to be enough to kill fleas or eggs. A steam-cleaning job by a professional is probably the best way to go to clean carpets and rid them of fleas.

Once you have thoroughly cleaned your carpets and rid your home of fleas, it is necessary to vacuum often and wash your pet regularly in soapy water using a flea comb afterwards, in order to prevent re-infestation. This care, however, will be worth it to you in time and trouble and of course, family and pet health.

Family Friendly Ways of Getting Rid of Fleas Without Chemicals
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Monday, December 17, 2012

Free Cell Phone Reverse Lookup Can Protect Your Family

Free cell phone reverse lookup is an excellent way, which helps you to make sure your home, and family is safe from strange calls.

You ask how a service like cell phone reverse lookup can help protect your spouse and children. Did this ever happened to you, you answer a phone only to have someone hang up on you, or maybe a stranger, without introducing himself asked for your kids or wife? Now consider for a second how good you would feel if you had a way to trace all these strange calls.

Lets take for example your teenager and hers or his friends. Most of the kids that age have cell phones, they receive calls in all hours, and you have to be real James Bond only to get the numbers of those callers.

Free Cell Phone Reverse Lookup Can Protect Your Family

Nevertheless, just having the numbers will not help you, you need to find out who is it really that calls your kids! Therefore, the next thing you need to do is to use the caller ID and write down the number, that is if you are in any way concerned about the way your teenager has been behaving recently.

Free cell phone reverse lookup can be really useful in case that friends of your teenager do not want to give you their names or leave a message. Reverse cell phone lookup now for the first time gives you the just the right tool you need to see if your kid is maybe associating with the wrong people.

Very often keeping a watchful eye on your teenager and hers or his friends can have a primary role in safeguarding the future of your whole family.

One more wonderful feature of free cell phone reverse lookup is that you can find out who is behind the so called wrong numbers calls.

Just in case that you are one of the people that is the target of lots of hang ups or constant calls from one number, you now have the tool to check it up even in case that those calls come from the prepaid cell phones (this is a little more complicated and you will probably have to pay for this service, but it can be done).

If are receiving intimidating calls, it can also now be easily stopped.

Free cell phone reverse lookup has one more great advantage, and that advantage is that you can now trace the call you actually want to receive but because of some mistake, you were cut off.

For example lets say to your mom or dad calls you, and a gets interrupted because of bad connection before you found out who is on the other side. In some cases hitting a redial button is not going to help you but a reverse cell phone look up just might.

All of us have a family member or a friend who might call us and need our help.

Because of that, while you may have some reservations about free reverse cell phone lookup and its use, try to look at it from another angle and see how you might use it to improve your life.

Free Cell Phone Reverse Lookup Can Protect Your Family
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Saturday, December 8, 2012

A Perfect Family Christmas Gift

There's no denying that Christmas time is fast approaching. Aside from Christmas decors, one of the most popular items purchased during this special season include a wide array of Christmas gifts. Being a major attraction for everyone, Christmas gifts are anticipated by everyone especially those by families and family members.

CHOOSING PRESENTS FOR THE FAMILY

Christmas is indeed a very special time for families all over the world. Bringing the joy and excitement of Christmas time into its fullest form are family Christmas gifts and presents. Each and everyone of us would want to give our parents, uncles, aunts, sisters, brothers, daughters, sons, husbands, wives a special family present.

A Perfect Family Christmas Gift

Like finding that elusive gift for a girlfriend or a boyfriend, choosing the perfect family Christmas gift can be a strenuous and tedious task. To help you find the perfect gift for your family members, here are some gift ideas and presents that will surely make their Christmas season merrier.

Among the so many family Christmas gift ideas out there, handmade family Christmas presents always top the list. Aside from being unique, various selections of family Christmas presents also reflect the value of the recipient.

Hand-made Christmas gifts may include a special painting of a family, a sculpture that symbolizes family unity, or pieces of clothing that embody familial spirit. Family picture or a picture of a specific family member placed in a special hand-made frame is also an excellent choice.

If you're on a tight budget and would still want to provide something for your family members, worry no more because family Christmas gifts need not be expensive. All you have to do is to know the interests of each family member and personalized something for them.

Inexpensive family Christmas presents may include customized Christmas cards and home-made cookies, home-cooked meals and delights, a personal shopping spree for them or a day of special service. Remember, when giving gifts, the monetary value of the item of the present counts, it's the thought behind it that really matters.

But, if you really want to give something concrete for a present, here are some unique family Christmas gifts you can choose from:

1. One-year subscription of the family's favorite magazine or newspaper. If the whole family is into reading a specific magazine or a newspaper, why not surprise them a year of subscription? Aside from helping your parents out in cutting expenses caused by subscription, this is also a practical idea because all of the family members will benefit from it.

2. A new Bible. If your family is Catholic, a new Bible will definitely be a prized possession. You can buy a newest or latest version in hardbound or if you want to be somehow techy, an audio Bible is perfect for the whole family especially for those members who love to drive.

3. A music CD. If the family loves to listen to a certain artist or inclined to a specific music genre, a music cd will definitely be a hit.

4. Lots of video or DVD. If almost all of the family members are movie buffs, it would be a pleasant surprise for each and every one of them if you buy quality movies in DVD. Aside from being able to share it with everyone, copies of timeless movies can also be an investment in the future.

5. Fun stuff and games for the family. If you're family is into playing a specific game together for a bonding, then fun stuff and games such as board games, projects, and activities will be appreciated.

A Perfect Family Christmas Gift
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Tuesday, December 4, 2012

How to Find Family and Friends Living in Mexico

This article will discuss the five biggest challenges people face when trying to locate someone in Mexico. These five key challenges are what hold people back from successfully being able to find someone. The good news is, throughout these next five articles, we will break down these challenges and explain the solutions to finding someone in Mexico. These articles will get you to the door so you are ready to go through to achieve your desire: finding someone in Mexico. We will also save you time, frustration, anguish and confusion.

The five biggest challenges are:

1) Frustration in Searching

How to Find Family and Friends Living in Mexico

2) Having No Information

3) How to Get Started

4) Sorting Through the Information

5) Knowing Where to Go Next

We will focus on and identify two key goals to finding someone in Mexico. You will be ready to find the person you are looking for when you complete these two goals.

Who is this person you are trying to find? Could they be a relative or a parent? Possibly a friend or maybe someone they met on vacation? You may be looking for this person because you want to learn about your Mexico family history or maybe because you are into family genealogy. You may be searching for medical reasons. We are hearing more and more how our relatives can affect us physically, how our genetics affect us. Many people now want to know all about their family's health history so they will know what diseases or medical problems are more likely to occur as they get older or so that they can provide this family history to their physician. Family medical history is rapidly becoming an important reason for people wanting to learn about their relatives.

Most people looking for someone in another country or looking for someone in their family think about genealogy first. Genealogy is the study of our family heritage and where we come from. But here is the catch; most of the time genealogy deals with people who are deceased such as our great grandparents or people who came to the country hundreds of years ago.

Here is a quick example. Let's say someone wants to do genealogy research on their Mexican Family History, but they do not know who their father, uncle, or current relatives are. Many people have to first start with their living relatives before they can discover more about their family history.

If someone has been searching online at genealogy sites, they are probably looking in the wrong place. Genealogy sites are there mainly with information for visitors looking to find family or friends who are deceased. The majority of genealogy societies worldwide prohibit placing personal information online until that person has been deceased at least 71 years for reasons of privacy. If someone is trying to find a person who is living, then genealogy sites might help but only if they know who their great-great-grandparents were. The researcher then has to work forward from there.

In most cases, this is not what people are looking for. What they want to do is find someone who is alive today and living in Mexico. They want or need to find their living relative. They may want to find a friend. This is the point where people want and need help finding someone living in Mexico.

The next five articles will help you get to that door and provide you with the guidance you need so you can find the person that you are looking for.

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Thursday, November 29, 2012

It's Easier to Finance a $5,000,000 Apartment Building Than a Single Family Investment Property

Funding has dried up for residential investment property (1-4 family), but it's plentiful for large multi family projects.

1. Funds are available for large multi family properties, but not for residential investment homes.

President Obama said during his Economic Recovery Act Speech, "there is no money available for you speculators" and he meant it. Try to get a loan for a residential (1-4 family) non-owner occupied property and see the results for yourself. There are no more stated income loans available for residential investors. If you have been in the residential investment game for a while, you already know it, if you are just starting out; you will experience this problem on your first residential investment deal. Its cash, hard money at 12% and a 65% LTV or you're done.

It's Easier to Finance a ,000,000 Apartment Building Than a Single Family Investment Property

The good news is that government backed funds are plentiful for larger, multi-family properties. This presents tremendous opportunities for those who know how to access the funding sources.

2. You don't have to personally qualify for the loan the properties qualify.

Imagine that! Anyone who has ever attempted to purchase a residential investment property (1-4 family) has encountered the issue of personally qualifying. Sure the rents may cover part or the entire mortgage, but the lender only considers a percentage of that income toward your ability to pay the new mortgage. You need, tax returns, financial statements, proof of funds for down payment, etc. Not only that, but of course your FICO score becomes a big factor. Get through all of this and every time you buy another residential property your FICO score drops and you are viewed as more of a risk to the lenders. The more successful you become in this arena, the harder it gets......

With commercial financing, the properties qualify for the loan, not you. The loan is not reported to the credit bureau's. The more successful you become, the easier it gets.....

3. Most loans on large multi family properties are fully assumable.

Ever try to assume a residential loan without having to qualify for it? Not happening, at least not since the early 80's when FHA and VA loans went from "fully assumable" to "qualifying assumable". It's the same as having to secure a new purchase money mortgage, so unless the interest rate is very attractive, it's never done. The first home I ever purchased was a little bungalow for ,000. It was 1980, I was 20 years old and didn't qualify for a 0 limit MasterCard, but I assumed a ,000 VA loan, no questions asked. The same criteria hold true to this date for large multi family projects, but very few know about it.

The financing on many large multi family buildings are fully assumable. Remember, the properties qualify not the buyer. You can buy 100 + unit apartment complexes without qualifying, no verification of funds, no credit report, no tax returns, just knowledge.

4. You ARE NOT personally obligated to repay the loan.

Try getting a residential mortgage and tell the lender that you don't want to personally guarantee the loan. Not happening! We are accustomed to all loans carrying personal guarantees. It's incorporated into every residential mortgage, by every lender in the country. Of course they want recourse if you default, they get the property and then have the right to a default judgment for any balance that may be due after they liquidate the property. Residential loans carry "FULL RECOURSE" to the mortgagee.

Larger commercial loans are "NON RECOURSE" to the borrower. The property and its ability to generate cash flow is the lenders security, not you personally.

5. Multi Family Properties are built to CASH FLOW, single family homes are not.

Single family homes are designed, built and price for owner occupants, not for cash flow. Study the numbers on almost any single family home and you will discover that after you pay the mortgage, taxes. Insurance, utilities, maintenance, etc, you will lose money every month. Single family homes are terrible for cash flow despite what the residential guru's on TV tell you.

Multi family properties are designed, built and priced to do one thing and one thing only, "make money". Lenders lend based on the fact that there are sufficient funds to cover the debt obligations, not on what your credit score is, or what the house down the block sold for or what your personal income was last year, etc.....

6. Professionals manage the property- No tenants and toilets to deal with.

With residential investment property YOU generally have to manage it. The property has negative cash flow to begin with; there probably is no budget to hire a management company to run it. You go from watching the guru on TV sitting by the pool telling you how great your new lifestyle is going to be once you buy a couple of homes, to fielding leaking roof calls and clogged drain problems on Saturday nights.

With the larger properties a professional management company handles all of that for you. It's budgeted in just like taxes and maintenance. The lenders require a professional management contract be in place at closing. They handle all the problems; they are staffed for it and deal with repairs, collecting rents, renting vacant units, etc. They send the funds to you. You never have to deal with a single tenant, yet you reap the rewards. Now you have a lifestyle.

There are many more reasons to move from residential to large multi family including dramatically increasing the property's value by simple rent increases, etc. I encourage anyone investing in residential property to take a good look at moving up to larger properties. It's easier than you think when you acquire the knowledge.

Copyright (c) 2009 Joe Florentine

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Joe Florentine is a licensed Realtor, award winning builder and developer with 25 years experience in residential investing. Joe recently moved from residential investing to financing and acquiring large multi family projects with great success. He highly recommends Durante Parks' Learn Commercial Financing training program to gain the same knowledge to finance and acquire large multi family projects. Free video to learn more.

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Wednesday, November 28, 2012

Ringworm Treatment - Fascinating (and Effective?) Home Remedies

Ringworm treatment home remedies, will you use these? If you are one of the estimated twenty percent of our population who is infected with ringworm, chances are you have, at some point, considered using home remedies to treat ringworm.

In my search to find the most effective ringworm treatment that's available out there, I recently posted a question in Yahoo Answers about home remedies "that actually work," to find out from real people, like you and me, what cure they would actually recommend. The question drew quite a few answers and these only prompted me to dig deeper into this topic.

After some more research in the internet and asking friends for their ringworm treatment "family secret recipe," I got a better insight into what folks would consider as fast and effective remedies. Prepare to be fascinated and surprised. All of the ingredients mentioned are ordinary household items some of us would never remotely equate with anti fungal medication.

Ringworm Treatment - Fascinating (and Effective?) Home Remedies

Oh, yes, before I show you the list, a quick reminder. Ringworm, despite it's name, is not caused by worms. It is an infection caused by mold-like fungi known as dermatophytes. It is contagious and can be spread through direct skin contact with an infected person, an infected pet, or an infected object or surface. So, if you have an itsy-bitsy spot of ringworm, refrain from scratching it. The fungi will cling to your hands and you're liable to spread the infection to other parts of your body or worse, to other family members. And about contaminated objects - never share personal items with anyone. Clothes, caps, shoes, brushes, anything can be a carrier of infection. A friend of mine who has a three year old cute little daughter named Tracy, once brought home a bunch of second-hand toys from some garage sale. She thought she made a juicy bargain - the toys were still intact and the battery-operated talking doll actually still talked. To her chagrin, little Tracy had a rash outbreak the very next day, which her pediatrician later diagnosed to be ringworm. Lesson is you can't see fungi (well except under black light or Wood's lamp - they glow), so be careful in handling unfamiliar objects.

But enough of this. On to the list. If you want to read more thoroughly about ringworm and ringworm treatment, just got to my site. Please click the link at the bottom of this page.

First home-spun ringworm treatment - use of ordinary kitchen vinegar and a penny. Soak the penny in the vinegar and rub on the affected area. Some even recommend taping the penny to the ringworm spot. Others use vinegar without the penny. The reasoning of those who use the penny-vinegar combo is that the vinegar reacting with the copper actually serves as an effective fungi-killer.

The next home remedy, and this was suggested by a girl named "loveme..." in Yahoo Answers, was to use diluted bleach. Using q tips, you apply the bleach solution to the affected area until it dries out. Some suggested the ratio of one part bleach to six part water as the ideal concoction err...solution. Other people rashly recommend pure bleach for the treatment but a lot of people correctly pointed out that unadulterated bleach from the bottle is a very powerful agent and may contain lye (sodium hydroxide) that can cause severe chemical burns and scarring. Just swim and soak in a chlorinated swimming pool, if you want to get the benefit of bleach in treating skin infections.

Another fascinating folk remedy is the "paper method." People who use this, burn a crumpled sheet of notebook paper in a porcelain plate, and use the ashes or residue as salve for ringworm treatment. Imagine that.

Still another bizarre home cure is the use of colorless nail polish. Directions: apply a thin layer of nail polish on the affected area. Allow to dry and peel off with tweezers or wash with soap. Those who practice this method believe it "suffocates" the fungi and attest that their infection dried up the next day. Others suggest colored nail polish work just as well as the colorless type.

A guy from Canada vouched for sea salt as the ultimate ringworm treatment. Evidently, this gent worked in an airport and caught the infection from the counter surface he usually leans on at work. The ringworm spread throughout his body, including his face, and the poor bloke suffered for one whole year with it. After repeated (and costly) visits to his doctor, the recommended antifungal creams finally managed to clear out the ringworm in his body but not the lesions in his face. That's when he discovered the remedy of using sea salt. He rubbed a handful of watery salt into the affected areas in his moistened face for thirty minutes and repeated the process several times. The guy swears his ringworm dried up the very next morning. Sea salt or sea water, that's the ticket, he said.

Other items mentioned as effective medication are tobacco and Vicks Vapor Rub (suggested by "Rosie" in Yahoo Answers). Of course, a lot of medicinal herbs and plants were cited as effective cure too, but I will discuss these in another essay. Black walnut, grape fruit seed extract, fig leaf juice, and tea tree oil are a few of these natural remedies mentioned.

Would I recommend any of these home-grown ringworm remedies? Not today. It's the human body we're talking about here, after all. Caution should be the rule of thumb. There's no denying that many of these simple home cures actually work - for some people. But each of us has our own peculiar set of physiological traits and allergies, quite different from the next John or Jane Doe. Our bodies, or to be more specific, our skins react differently to different substances. What I'm saying is that the home-spun ringworm treatment that worked for your neighbor might not actually work for you.

If there's anything that I'd use myself, apart from the usual over-the-counter anti fungal medications, it's the natural ringworm treatment method. Using plant extracts. Green all the way. One hundred percent natural, one hundred percent organic. Tea tree oil, in particular. Numerous scientific studies have already established the efficacy of tea tree oil in treating ringworm. Powerful antiseptic, peerless anti fungal agent. And because it's natural - lesser chance of adverse allergic reactions for you. For a discussion about a company that produces natural ringworm treatment products in a modern world-class facility, please visit my site, link shown below.

Or you can always take a one-week vacation and hit the nearest ocean resort (sea salt or sea water, remember?) and have a week of fun, relaxation, and ringworm treatment.

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Friday, November 23, 2012

Financial and Medical Assistance for Families with Autistic Children

Having a child with Autism can be financially draining for the family.
Insurance is expensive and some insurance companies do not allow predisposed conditions in their coverage.

The cost to a family who have children with Autism can be staggering . Between treatments, specialized child care (if both parents are employed), or lost income, not to mention any medical conditions associated with their Autistic child, the cost is estimated according to channel 7 news to run over 3 million dollars for the lifetime of the child.

Trying treatments to relieve the signs and symptoms of Autism have to be borne by the family as no insurance company will pay for any treatments that are not approved by a physician.

Financial and Medical Assistance for Families with Autistic Children

There may be some financial relief for some families who have children with Autism. A way for them to receive free medical care and some help with supplements and basic needs.

As soon as the diagnosis of Autism is received from a Doctor or Psychologist, the family should contact Social Security to obtain medical assistance for their children with Autism.

The paperwork can be lengthy as is the waiting for determination, but the long term benefits can be worth it.

They will require confirmation of the Autism diagnosis from the physician. In addition they will send you forms to fill out which basically tells them what the functioning ability of the child with Autism is.
Questions include safety issues, social issues and basic activities of daily living as well as attestations as to the Autistic child's social skills and mental capacity.

They will also require the same form to be completed by another person, preferably in a teaching or care giving capacity that echoes your assessment of the child's abilities.

Determination is not made on the diagnosis of Autism, but rather on the level of functioning that the child can achieve.

The monetary compensation is calculated on the family's income and is paid monthly to the child if capable mentally and is of age, or to a surrogate, usually the child's parent or caregiver.

If Social Security does approve your application for medical assistance for your children with Autism, this automatically puts them on Medicaid which can be a lifesaver for parents who are struggling to find adequate insurance coverage.
Medicaid also pays for incontinence products and for those that live in an area where this is available respite care which can help relieve a little of the stress associated with raising an Autistic child.

It is definitely worth the time and energy to apply to Social Security for medical assistance for your Autistic children as it can help relieve the financial burden that you will carry for the years to come.

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Financial assistance for families with Autistic children may be obtained, you just need to know where to look for it. Visit us at http://www.howdoiknowifitisautism.blogspot.com for a little light at the end of the tunnel. Written by Donna Mason, the mother of 3 Autistic children looking for a way to survive and help her children.

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Tuesday, November 20, 2012

Use Free Live Cam Chat Rooms to Visit Friends and Family

With a son in the diplomatic corps in the Middle East, an elderly mother in Florida, grandchildren all over the globe, and friends in Europe, my family needs an easy and inexpensive way to see and hear the people in our lives. That's why we like free live web cam chats.

With a free web cam chat, we can visit with friends and family all over the world using our browser. No download is need. We can broadcast audio and video and stream live webcams.

What is a webcam?

Use Free Live Cam Chat Rooms to Visit Friends and Family

A webcam is a video device that is connected to a computer or computer network. A webcam allows a computer to act as a videophone or video conferencing unit. Like much of modern technology, webcams have had a meteoric rise in popularity since their beginning in 1991. Webcams are so popular today they have their own verb; to webcam is to connect with other people through a computer-based video device. Apple and other computer manufacturers now build webcams directly into their laptops.

Creative uses of webcams

Webcams are most popular for one-on-one communications between people who are at a distance from one another. People have stretched the use of webcams to include some very creative applications.

Military husbands stationed in the Middle East have been able to witness the birth of a child through webcams. Deaf people who communicate through sign language use webcams to speak with one another. You can point a webcam in your house to check on your children, your pets, or the babysitter. Going on vacation? With a webcam you can keep an eye on your house without hiring a house sitter.

Nature lovers have been making great use of webcams. With webcams positioned high in trees, bird watchers can observe nesting behavior of bald eagles and other endangered birds. Deep-sea webcams let you observe underwater happenings and allow scientists to monitor the effects of climate change.

Want to find out who's dumping trash on the far side of your property? Post a webcam there and you'll soon find out.

Grandparents can keep in touch with their grandchildren through webcamming. They can read stories, have conversations, and watch them nap. Grandchildren can show off their latest artwork and demonstrate their tumbling expertise. This is especially valuable for elderly people who cannot easily travel and for families who live far away from each other.

Web cam chat rooms

Free live web cams offer free unlimited messages, high quality video and audio rooms. Users can video chat one-on-one with others. You don't need your own webcam. With webcam chat rooms, there's no download, registration, or account. Users go to an online chat room, visit with their friends and family, or meet new people. Users can find free chat room for teens, for adults, for men, for women, and for speakers of various languages. Or, you can just log in and share your point of view. The growing community of free live cam chat rooms is one more example of how the Internet and computer technology enhance communication and connection.

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Friday, November 16, 2012

Accidents in the Home - Safety and Prevention of Accidents at Home

Safety and the prevention of accidents in the home are some of the areas that are considered to be very important. Often, we incur injuries that can easily be prevented. It is even more important to take the two factors into considerations when there are children and the elderly at home. Following are a few tips on promoting safety and preventing accidents.

The first step is to identify the age groups that are present and modifying the environment accordingly to help decrease or eliminate accidents that may result in injuries. Education is an important factor. This includes showing children simple procedures such as washing hands after using the bathroom (toilet) and before touching any food. During this teaching process it is very important to take into account the age groups in the home because some educational materials may not be suitable for certain age groups.

Improving safety at home may also include enforcing the regulations or laws that can modify the behavior of the age group or people at risk the most. Looking at the risks involved individually can help a great deal.

Accidents in the Home - Safety and Prevention of Accidents at Home

Another factor is that it is very vital to have all the most important phone numbers in readily accessible locations. This includes the emergency number, poison control number, your family physician number and other important numbers.

Parents and children can recognize dangerous items in the home by using childproofing products. Many factors should be considered such as falls, infection, injuries, burns, suffocation, drowning, and inhalation, ingestion of poison/foreign bodies, guns and substance abuse. Statistics show that each of these factors is predominant in one individual age group and not others.

For example, infections are high in neonates and can easily be prevented by washing hands frequently. Falls are also a highest risk in infants and can be prevented by closely supervising children. Burns are the highest risks among the school-aged children and teaching them about prevention of accidents can promote safety in this age group. Drowning is another safety risk highest among adolescents. Teaching adolescents about responsibilities, about the new world of freedoms that accompany being a teenager, can help equip them with the knowledge they need to face the dangers and risks when they are on their own.

Accidents in the Home - Safety and Prevention of Accidents at Home
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If an accident does happen, make sure you are prepared. Click here to see a list of things you need: http://www.abouthealthtips.com/firstaid/ online.

Copyright © Katie Johnson. http://www.abouthealthtips.com/

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Tuesday, November 13, 2012

Family Medical Leave Act - FMLA and Workers' Compensation Maze - An Employer FMLA Guide

Topics:

1. How are leaves covered under the FMLA and workers' compensation statutes and how much time off is required?

2. When is a WC injury covered under the FMLA?

Family Medical Leave Act - FMLA and Workers' Compensation Maze - An Employer FMLA Guide

3. Should WC leaves be treated separately from other types of leaves?

4. Should the employer give the employee any special notification under the FMLA?

5. Does an employer have to pay for health insurance for an employee on WC leave?

6. Can an employee on WC leave be required to use vacation or sicK leave?

7. If the employee is released to light duty, can he be required to return to work?

8. Does the employer have to reinstate an employee returning from a WC leave?

9. Prevent Legal Headaches: Count WC Leave as FMLA

Implementing the FMLA can be tricky, especially when a leave of absence involves workers' compensation injuries. This article answers some of the most common questions concerning workers' compensation and the FMLA.

The Family and Medical Leave Act (FMLA) statute does not contain any direct reference to workers' compensation injuries, and employers did not receive specific guidance on the topic until the April 1995 final regulations. However, since most workers' compensation leaves are covered under the FMLA, an employer's failure to treat these leaves as FMLA leaves can lead to inadvertent violations of the statute's requirements. To help navigate the complicated legal maze of the FMLA and workers' compensation, the Editors have identified eight frequently asked questions on this topic. The answers are based on analyses of the FMLA, its regulations, court cases, Department of Labor Wage and Hour opinion letters, and discussions with HR and legal experts.

1. How are leaves covered under the FMLA and workers' compensation statutes and how much time off is required?

The FMLA is a mandatory federal leave law intended to protect employees who need to take time away from work to attend to certain family and medical problems. It applies to employers with 50 or more employees and all public agencies and schools and allows an eligible employee to take up to 12 weeks of job-protected leave for various family and medical reasons, including medical leave when the employee is unable to work because of a "serious health condition."

Workers' compensation ("WC") statutes are primarily state liability and income continuation laws that protect employees who are injured while working. Almost every state has a law that guarantees an income (funded by employers and the state) to employees injured on the job and at the same time places limits on the employer's responsibility for the injury. Benefits vary from state to state but typically include medical treatment, rehabilitation, disability, and wage continuation. WC statutes generally are not leave laws, however. Most states do not require employers to give a specific amount of leave for workers' compensation, and only a few states require reinstatement from WC leave.

2. When is a WC injury covered under the FMLA?

If the employee is eligible for leave under the FMLA and the injury is considered a "serious health condition," the WC leave should be treated under the FMLA. The FMLA defines serious health condition broadly to include any "illness, injury, impairment, or physical or mental condition that involves" either inpatient care or continuing treatment by a health care provider. The statute does not distinguish between work-related and nonwork-related injuries. Thus, any on-the-job injury that requires an employee to take leave to seek inpatient care or continuing treatment likely will be covered by the FMLA.

Accordingly, whenever an employee is injured on the job and needs time off to recover, the employer immediately should determine if the employee also is eligible for leave under the FMLA. If the employee is eligible for FMLA leave, the employer should notify the employee in writing that the leave is covered under the FMLA so that the leave time may be counted against the employee's 12-week FMLA entitlement. If the employer does not run the WC leave concurrently with the FMLA leave, the employee may still have the full 12-week FMLA entitlement available to use after the WC leave.

3. Should WC leaves be treated separately from other types of leaves?

Some experts suggest that WC leaves be treated separately from all other types of leaves to ensure compliance with the requirements of state workers' compensation laws. However, treating workers' compensation as a totally separate category of leave may cause employers to inadvertently neglect the requirements of the FMLA.

4. Should the employer give the employee any special notification under the FMLA?

In order to deduct the time spent on WC leave from an employee's annual FMLA leave entitlement, the employer must notify the employee in writing that the WC leave is designated as FMLA leave and will count against, and run concurrently with, the employee's 12-week entitlement. The notice to the employee must detail the specific obligations of the employee while on FMLA leave and explain the consequences of a failure to meet these obligations. Most employers use the Department of Labor's Form WH-381 to comply with these notice requirements. If the employer does not provide the notice, it cannot count the WC leave towards the 12-week FMLA entitlement. Therefore, the employee may be entitled to an additional 12 weeks of FMLA leave at a later date.

If the employee has been on WC leave without being placed specifically on FMLA leave, the employer should send notice to the employee immediately so that the FMLA clock starts running. However, the employer may then only designate the leave from the date written notice to the employee is provided. It cannot retroactively designate the time spent on WC leave against the FMLA entitlement.

5. Does an employer have to pay for health insurance for an employee on WC leave?

If the employee qualifies for FMLA leave and the employer normally pays for health insurance, the answer is yes. Although most state WC laws do not require employers to pay for health insurance during a WC leave, the FMLA requires the continuation of health insurance benefits during an FMLA leave. Typically, the state WC laws cover the employee's medical costs related to the work injury but do not mandate continued coverage under, or payment for, a health insurance plan. However, under the FMLA, employers must provide the same health benefits during an eligible employee's FMLA leave that it would have provided if the employee worked throughout the leave. Thus, if the employer normally pays 80% of an employee's health benefits premium, it must continue to do so during the employee's FMLA/WC leave.

6. Can an employee on WC leave be required to use vacation or sick leave?

The FMLA allows employers to require employees, or employees to elect, to substitute accrued vacation, sick, or other paid leave for all or part of the 12 weeks of unpaid leave. Employees on WC leave typically receive up to two-thirds of their normal pay as a wage benefit under state law. In recognition of this benefit, the FMLA regulations do not allow the use of paid leave if the employee is receiving workers' compensation, even to make the employee "whole" or if requested by the employee. However, the employer may designate the leave as FMLA leave and count it against the employee's 12-week FMLA entitlement.

7. If the employee is released to light duty, can he be required to return to work?

Most light duty positions do not include the employee's normal job functions. Therefore, if the employee is unable to perform the essential functions of the job because of the work-related injury, he may continue to take any remaining FMLA leave and cannot be required to accept the light duty position. However, if the state workers' compensation statute requires the employee to take the light duty assignment to continue receiving wage benefits, the employee's WC benefits may be discontinued. The employee then must be allowed to use any accrued paid leave during the remaining unpaid FMLA leave.

8. Does the employer have to reinstate an employee returning from a WC leave?

If the employee is covered under the FMLA, he must be reinstated to the same or an equivalent position. The employee must be reinstated even if the employer did not notify the employee of coverage under the FMLA. If the employee does not return to work at the end of the 12-week FMLA leave, the employer may terminate the employee without violating the FMLA as long as the termination is consistent with the treatment of similarly-situated employees who have taken FMLA leave. However, the employee must have been properly placed on FMLA leave and notified that the time off for WC leave ran concurrently with the FMLA. In addition, a few state WC laws, such as Oregon, require reinstatement regardless of the length of the WC leave. As a further complication, the employee may be considered disabled under the Americans with Disabilities Act and, therefore, may be entitled to additional leave as an accommodation.

9. Prevent Legal Headaches: Count WC Leave as FMLA

Since most workers' compensation leaves typically will be covered under the FMLA, employers should be prepared to comply with both laws. Failure to categorize a WC leave as a FMLA leave generally will not harm the employee as long as he gets all of the benefits of FMLA leave, such as continued health insurance and reinstatement rights. However, the employer may lose the opportunity to count the time on WC leave against the employee's FMLA entitlement and may extend unnecessarily the employee's FMLA leave eligibility. In addition, employers may violate the FMLA if they do not reinstate an employee from a WC leave that was not properly designated as FMLA leave.

Family Medical Leave Act - FMLA and Workers' Compensation Maze - An Employer FMLA Guide
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