Living in the Sandwich

I am part of the sandwich generation. I live at home with my partner, our son and his aging mother. It isn’t easy.
While I have long been aware that when children arrive in a relationship then your focus shifts, I never expected that I would spend my 30s catering to the needs of a senior citizen as well.

There are a number of issues that arise from sandwich generation living that you might never consider before committing to the arrangement. All should be considered if you are in a position to make a choice between home residence and assisted living facilities.

While elderly people must have their needs  met for them in much the same way that younger children do, older family members feel, and quite justifiably so, that they have a right to have a say in all areas of the day-to-day running of the household. It is extremely hard to turn around to someone who was once an authority figure in your life and lay down the law to them, but it is something that has to be done.

In our house, for example, the recent debate was over the wearing of high heeled shoes. Momma loves her heels, but unfortunately she is no longer as steady on her feet as she once was, meaning that the heels have led to more than one trip in the last few weeks.

My partner finally bit the bullet and told her: “Momma, you just can’t wear those shoes anymore.” Well, let’s just say it didn’t go down too well. No grown up likes to be told what they can and can’t do and hearing it from family members they raised can make it even harder. I sometimes wonder whether our set up is the right thing for all of us or whether we should look into other options.

Benefits of Assisted Living For Your Loved One

Assisted living means a number of things.  Essentially there are three main areas associated with it.  Subsidized rental accommodation, hospitality services and personal care services.  All of these can be obtained through your health care provider.

The main benefits mean that your loved one can live a fairly independent life often in their own home and get only the services they need.  Elderly people are not children, even they sometimes behave like they are. They are mature adults who have gone through the trials and tribulations of life and now in their twilight years, deserve to be respected.  Respecting their need to remain as independent as possible and for as long as possible is an important criteria when considering assisted living.

Rental apartments may be subsidized and while they may not be mansions, they do allow the senior citizen to live in a manner they are accustomed to and can regulate their own routines.   Hospitality services ensure that your loved ones get at least one cooked, fully balanced meal a day.  These services often provide two meals a day.  Seniors have poor appetites and may forget or not have the energy to cook elaborate meals for one person so their nutrition can be poor.  Hospitality services help to make sure that adequate nutrition is readily available.

Some seniors are so frail that they need assistance with basic daily chores, like changing the bed linen and having a daily shower or washing their hair. Those things we take for granted and never even think about are cumbersome and difficult tasks for the frail.  Assisted living provides personal support care to help with these tasks.

If your loved one is not confused and is capable of living on their own, then some form of assisted living will enable them to enjoy the rest of their days in the comfort of their own home.

Old School Promotion With Flyers

Can you remember a time before the Internet? There is actually an entire generation of kids growing up who couldn’t imagine such a horrible concept! Before email blasts, the most effective way to attract local customers to your business was with flyers. Back then they were called handbills, but they were the same thing: a single sheet of paper proclaiming the goods and services of a particular business. Folks were able to walk away with a flyer and refer to it when they needed to call upon the advertised company. Believe it not, even in this age of instant communication, flyers are still an effective promotional tool for many businesses both large and small.

Businesses that use flyers are employing good old-fashioned targeted marketing. For instance, suppose you have a mobile car detailing business. It would make a lot of sense to place flyers on cars in a crowded mall parking lot, especially after a storm when they are full of grim. If you have started your own home-cleaning business, you might try handing out flyers when school lets out. How many busy moms would benefit from help with the cleaning?

The other method for using flyers is to post them at different places that provide community bulletin boards such as laundromats or libraries. If you are posting a flyer, make sure you create tabs at the bottom so that interested customers can tear off a number or website address.

Because flyers are so inexpensive to create and reproduce, you might even consider mailing them out. There are many services who can bundle your flyers with other businesses to lower the costs of postage. The goal is building awareness. If you have a local business then your customers are all around you. Let them know what you have to offer by giving them a flyer.

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Making your child a responsible driver

Max: Learning how to drive
Image by Mosseby via Flickr

Driving is risk if you are not responsible and it is dangerous if the driver is a teenager. As a parent it is our job to make our kids responsible driver. The very first step in to that is inducing driving skills in your child. Teach them in a safe parking area where they have enough empty space to practice on their own. If you live where it snows, also teach them how to control the car skid. Discuss with them the road accidents which occur around your area and the real cause for the accident.

If you want your child to be a responsible driver, teach them all traffic signals and their purposes. Tell them to obey these traffic rules like religion. Do not ever encourage them if they break any traffic rule. Take your child out on a drive several times and show him examples to demonstrate how he must behave on road in different situations. You can also ask your child to pay the car insurance by himself. This will make him/her responsible while he is driving the car. Also tell him the detailed procedure of auto  insurance claims in case he or she suffers through an accident.

Teenagers are in habit of listening loud music while they are in car which automatically keeps them unaware of the car’s speed. Convince your child to keep the volume low while he or she is driving. Another common cause of the car’s accidents is use of mobile phones while driving. Tell your kid to do not attend the cell phone while driving, instead park the car if the call is too necessary to be attended.

If you are not confident enough to teach your child these driving tips, get him registered to a reputable and authentic driving center. Give him/her the confidence and trust which will make your child feel the responsibility of being a good driver.

Have You Been Bitten by the Betting Bug?

At a time when everything in the world is available to us with a few clicks in the matter of seconds, it hardly comes as any surprise that entertainment, too, is sought from the web. Whether it is watching a movie or buying clothes, people can now opt to sit at home and complete their chores. All the activities that once needed a person to step out of home have been changed in a way that now allows people to accomplish them from the confines of their homes.

Betting is one such thing that has adapted itself to suit people’s preferences of staying online and killing time. For some people, betting is a serious job but for others it is a recreational activity. People log on to sports betting sites and check out the latest wagers that have been placed, along with other aspects of betting.

There are various sports betting sites that allow people to place bets and in occasional events, let them roam the site and find some valuable advice. There are also forums, threads, and comments that visitors can check in order to enhance their knowledge about betting and the risks involved in it.

Though it is understood that all sites require their visitors and users to be 21 years or older to access it, there are many underage people who indulge in betting, too. Since there is no way to protect these children from harmful elements, it is suggested that parents monitor their child’s computer activities.

Betting online or otherwise is a little addictive, but when a person knows when to stop, it is almost as good as investing in stocks. People can make a little extra money on the side but on the negative side, can lose all they own. Hence, even when betting is purely done for fun, it shouldn’t exceed pre-determined limits.

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Can Emergency Cash Loans have Benefits?

Baton Rouge, La., September 16, 2005 - A U.S. ...
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Emergency cash loans have a bad reputation.  Opponents of companies that provide emergency funds in the forms of payday loans, cash advances, and car title loans feel like these businesses’ short-term lending practices take advantage of people when they are desperate.  Those are fair accusations.
However, not everyone can get a bank loan when they need it most.  Not everyone has emergency funds in a savings account to pay for unexpected bills.  That is where emergency cash loans come into the picture.
No matter what their opponents say, they do help people and they do have benefits.  And guess what?  Not all short-term emergency money loans come from businesses that charge high interest rates.  A borrower might seek help from a friend or a family member.  They might even go to a charity seeking extra funds.  But either way, a short-term loan might be just what is needed to get through a tough time.
How can these loans benefit anyone?  Each situation is different.  Think of the single mother who does not have health insurance and has a medical emergency.  She exhausts her savings to pay the medical bills only to discover that her paycheck will not cover rent or groceries this month.  Now she is faced with a decision to get a emergency money loan.  Would the higher interest be worth providing shelter for and putting food in her children’s mouths?  Of course it would.
This is not to say that she will have to work harder to catch back up and pay off the loan but when the crisis hit, the short-term loan helped.  There are many benefits like this one when discussing short-term loans and cash advances.  They can provide peace of mind, relieve pressure and salvage a financial crisis situation with a quick influx of cash.  They can even come from sources besides businesses.
The key to emergency cash funds being beneficial is to not depend on them.  Borrowers need to pay them off quickly and begin putting money aside for the next crisis.  Even opponents would agree that a little short-term debt is a small price to pay for peace of mind, food and shelter especially when children are involved.
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Saving Money On Your Wedding to Pay for Movers

Flower girl at Kellie and Shawn's Wedding
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I know firsthand that a wedding can be such a stressful time. It’s the joining of your life with another. It’s dealing with family trying to make everyone else happy on your day. It’s the stress of moving into your first place and realizing you should have hired movers! Still, there isn’t a bigger stress in my mind than all the money a wedding can cost. It’s enough to make you want to scream or cry. However, your wedding doesn’t have to be that way. Your wedding can be an experience you’ll never forget for a price you’ll never regret. Here are a few ways you can get your wedding for less.
Forget The Videographer

You never skimp on the photographer. Those are moments to be preserved and it’s a day you can never get back. That doesn’t mean, however, that you need a video of the day. Look at it this way: you will never ever watch that video and no one will want to see it. If you can get your photographer to do a beautiful album and a great slideshow then you can forget about spending $1500 on a videographer.

Forget The Food

Don’t misunderstand, you need food, but people get so hung up on having this amazing meal. People will only remember your food if it happened to be out of this world, or if it tasted like it was out of a garbage can. Make it edible and make the plate affordable. No one gets their hopes up for wedding food. You can go 10 dollars a plate cheaper and over 200 guests could save you $2000.

Who Needs a Limo?

You should have a limo for you and your spouse, but the rest of the wedding party? It’s not necessary for them to have one. Let them drive to the reception. It’s not too much to ask them.

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Cost of Adoption on the Rise

Adoption costs are at an all time high in the United States and around the world. Currently, the regulations are left up to each state in the U.S. Several states do not even put realistic limits on fees charged by adoption agencies. This allows the agencies to charge as much as they want for their services. Some parents have found that they have to pay as much as $50,000 to adopt a child. Such extraordinary costs make it impossible for families to adopt, even when they are financially stable enough to care for the child.

Adopting foreign children isn’t any easier. Many countries require potential adopters to visit several times in addition to paying fees. International travel to countries such as Russia and Haiti can quickly add up to a large bill. Numerous trips also make it difficult for parents to find time to jump through all of the hoops.

Making potential adopters visit several times before completing the adoption does help ensure that adopters are serious. It also gives governments around the world enough time to investigate the backgrounds of adoptive parents to make sure that they are suitable. The definition of suitable differs from country to country, many of which refuse to adopt children into homosexual families.

Families looking to adopt, however, are not completely without hope, even when they don’t have enough savings to pay for the adoption. There are some organizations that help fund adoptions. One nonprofit group, HelpUsAdopt.org, has given grants to help families adopt 35 children since 2007.

This is certainly helpful, but there are still plenty of children left in orphanages and foster care. The federal government has made it a little adoption a little easier on the wallet. An adoption tax credit has been extended to 2011. Making the tax break permanent, of course, would be a greater boon. So far there has been little talk of extended the benefit indefinitely.

The tax credit is open to anyone who has adopted a child during the tax year. HelpUsAdopt.org gives equal consideration to homosexuals and singles as married, heterosexual couples.

Auto Insurance and Rules for the New Driver

If your  adopted kid has recently gotten his license, you might be tearing your hair out at the thought of him driving around with something as powerful and dangerous as a car. Just like a biological child, you worry that your adopted child will make poor driving choices behind the wheel.  However, you cringe at the thought of being the type of parent who is too afraid to let their child drive. So there has to be a happy medium for your  adopted child. You have to be able to see responsibility and then reward that with driving privileges. You need to set rules for your child about taking the car. You can adjust these rules as you like, but the following is just a template to making sure your child stays safe and you stay sane.

No Texting, Eating, or Drinking While Driving

Yes, this means even water. It’s not that you don’t trust your adopted  child but you know how quickly a major accident can occur. So keeping their eyes on the road is a lot about keeping their hands on the wheel. Letting them do other things is a recipe for disaster.

Gas Must Be Filled Weekly

It’s hard to make a new driver responsible for every fill up but it’s not hard to make them responsible for one fill a week. If teens want to treat the car like its theirs, then they should take care of it like it’s theirs.

Pay the Insurance

As you know, auto insurance isn’t cheap and if your  adopted child wants to drive, he should learn the value of a dollar in the process and pay for at least half of the insurance. Kids need to learn the amount of money it costs to be insured and why it’s a big deal that they drive safe and don’t get into an accident.

These rules should help keep your new driver in line.

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Factors that can Affect an Auto Refinance Situation

Many situations in family life involve finances. Sometimes, the outcome of a situation depends on certain factors that can change as a result of finances. All too often, finances make the determining difference in obtaining funding or not being able to get the financial support you need. One situation where this can occur is in automobile refinancing.

People turn to auto refinance for a variety of reasons. Sometimes, a family needs to reduce debt. You may need to consolidate the loans for a couple of vehicles and compile all the necessary budgetary items for vehicle maintenance into one bill. There are even some automobile finance companies that specialize in different cases for various reasons, and they offer special promotions and introductory rates for giving them your business to refinance your vehicle.

If you plan to consider refinancing your auto, there are a few things to keep in mind. Most companies that are in the refinancing and financial lending industry do not offer the option to refinance vehicles with a balance of less than $8,000. If the loan is too small, lenders consider it not being worth their time and effort to take on that type of loan. Your credit score can determine the type of loan you can get. A solid credit score is a must for a person who wants to refinance as a way to lower the interest rate on the auto loan. When a borrower has a good credit score, he stands a better chance of obtaining financing and getting the competitive interest rates that are ideal.

Refinancing an automobile is very common. People usually do it to lower their expenses and to get a better interest rate on their vehicles. In an auto refinance situation, several factors can affect the loan, and banks will takes these things into consideration before approving the loan.

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