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Title: Your Swimming Pool Could Get You Sued Word Count: 445 Summary: A backyard swimming pool or spa can be an invitation for trouble if someone gets injured. Find out how to protect yourself from law suits that could destroy you financially. Keywords: swimming pools, homeowners insurance Article Body: Installing a backyard swimming pool can make those hot summers a lot more fun and relaxing, but could it get you into a lot of financial trouble too? The short answer is: yes. If you're not properly insured, and someone gets hurt in your pool, you are inviting law suits. I know what you're thinking: my friends and family are the only ones who use my pool... they're not going to sue me if anything happens. Guess again. It's not necessarily that people love to sue or even want to. They may have to. With the high costs of medical expenses today, a family that suffers a serious injury (or--god forbid--a death) probably can't afford not to sue. And if a person was injured at your pool in your backyard, guess who's technically at fault? If someone gets hurt, don't be surprised by a lawsuit: expect it. And don't think you can watch the pool every moment to make sure nothing happens. Accidents will occur no matter how relentless you are in trying to prevent them. Risks of accidents are statistically proven to be very high around backyard pools and hot tubs. This isn't to say you should pour dirt into your pool, plant a nice safe flower bed, and post "keep out of yard" signs all over your backyard. You just need to make sure you are adequately covered when it comes to insurance. Okay, you're sold. Now how do you make sure you're covered? If you own a swimming pool or hot tub, you should carry very high liability insurance, i.e. in the range of a million dollars or more. This can be tricky since many homeowner's insurance policies limit the maximum exposure of the insurer to $100,000. Sometimes you can get this raised to $300,000, but getting covered beyond that, from your homeowner's plan alone, will likely prove difficult. This is why you want to look into an umbrella plan. This is a separate liability policy in addition to your homeowner's coverage. It generally picks up where your homeowner's insurance leaves off, and you can get coverage of several million dollars. The cost for this additional coverage is usually minimal, in the neighborhood of $500 per year. This may seem pricey, but considering the millions of dollars of coverage it affords you, it's worth the money, especially if you entertain and have a hot tub or pool. One last thing to note is that you may have to buy all your insurance from the same place, which would include home and auto. If you have a pool or spa, it's probably worth changing insurers to find one who offers an umbrella plan.

Title: Your Moving Checklist Word Count: 287 Summary: You may be moving into your "dream home," but the moving process itself is nobody's dream. Use a good checklist to make the move as smooth as possible. Keywords: moving checklist, moving, real estate Article Body: A moving checklist can keep you from forgetting important things, like turning on the utilities in your new home. You'll want to make your own list of things to be done, but you can start with the suggestions below.

Moving checklist - One Month Before

- Make reservations with moving company.

- Notify friends and family and give them your new address.

- Submit change of address forms to post office.

- Get documents for school transfers, if you have children.

- Have a garage sale or otherwise lighten the load.

One Or Two Weeks Before

- Arrange utility shut-offs and new connections.

- Transfer banking accounts to new location.

- Return books to library, rented movies, etc.

- Transfer prescriptions to new location.

- Clean house and dispose of things that won't be moved.

- Start packing and labling boxes.

- Pack an "essentials" box for arrival, with toiletries, paper plates, etc.

- Make moving plans (make hotel reservations, get maps, etc.).

Moving Day

- Start early and remember to eat.

- Double check every room and storage area.

- Turn off lights, lock doors.

- Leave the keys with the new owner or real estate agent.

You will undoubtedly have many more items to add to your personal list. Start writing down anything you think of as soon as you know you'll be moving. Will the phone be on when you arrive at your new home? Will you have to return across the country just because you forgot about a safe-deposit box that has the family jewelry? The best way to avoid problems like these is to start early on your moving checklist.

Title: Your Medical Records - Are They Really Private? Word Count: 904 Summary: As I dug into the research material for this article, my eyes popped out and my jaw dropped open. The number of eyes that could potentially see your complete medical history (read complete record) is staggering. Keywords: medical records, insurance commissioner, doctors, privacy, medical information bureau, mib, tenant screening, health research, surveys, health surveys Article Body: The question in the title seems to beg a yes answer. However, truth is, there are two answers with the real one a shocker. At least it was to me. The �begged� answer is of course yes. It would be yes if you never let anyone have information about your health and medical condition(s). But, in the real world, this is impossible. The real answer, unfortunately, is NO. And to add insult to injury, it is real in more ways than one as you are about to learn. As I dug into the research material for this article, my eyes popped out and my jaw dropped open. The number of eyes that could potentially see your complete medical history (read complete record) is staggering. The line starts at the government and runs the gamut to bill collectors. Yes, you read that right, bill collectors. Here, with a brief explanation of each, is a list of �eyes� that could see your medical records. I�d bet many of them already have. 1. The most obvious is your doctor, doctor�s nurse and office staff. Most people�s medical records are on kept at the doctor�s office. 2. Hospital � If you have ever been hospitalized, you have a set of records at the hospital. 3. Insurance Companies � If you have ever applied for health, life or disability insurance, those companies have access to your records no matter where kept. 4. The Medical Information Bureau (MIB) � Most people have never heard of this non-profit membership organization. However, it is the largest repository of health records in the free world. Located in Essex, MA, its membership is about 750 U.S. and Canadian Insurance Companies. MIB does not have the same copies as your doctor. Rather they codify you according to certain health conditions. You can get a free copy of your record by visiting their website: www.mib.com/html/request_your_record.html In the alternative you can call, 1-866-692-6901 or for the hearing impaired, 1-866-346-3642. By the way, MIB is subject to the Fair Credit Reporting Act (FCRA). This is important to know. 5. Government agencies such as Social Security, Veteran�s Administration, MediCal, Workers Compensation, Medicare, etc. 6. Medical Collection Agencies � Pay attention because these agencies may have in-depth medical information in their data bases. If this one doesn�t set your hair on fire, you don�t have a pulse. 7. Your employer may have asked you to authorize them accessing your medical records. The potential employer has the right to ask for medical information as part of an employment background check. The employer faces certain restrictions but not many if you authorize the access. 8. Believe it or not, your medical records may be subpoenaed for a court case if you are involved in litigation. Those relevant parts of your record may be copied and introduced in court. Unless sealed, court documents are public records. This is one way unscrupulous people discover social security numbers. 9. Health research � Sometimes your medical record is used for health research and when it is, it may be disclosed to health agencies such as the Centers for Disease Control. Most of the time your name is not part of the record but, nonetheless, it is YOUR record. 10. Licensure and accreditation of hospitals or physicians by certain boards or agencies. Again, your identity may or may not be part of the records evaluated. But, one more time, it is YOUR record. 11. Direct marketers may receive your health information if you participate in informal health screenings like cholesterol tests, blood pressure, and other type of �free� medical screenings you may have seen conducted in your local mall. 12. Health related web sites, Usenet news groups and chat rooms may contain your medical information. Granted, you have to share it but once put on the Internet, it has a magical way of propagating throughout the universe. 13. Survey companies not only use the Internet but mail and the phone to conduct medical question surveys. Many of them are very detailed. If you share your information, it is out there for whomever to use. 14. Tenant screening services screen prospective tenants for property managers. Their checks are extremely extensive. Although health records are not on the list, there is no specific law prohibiting a property manager from asking for this information in addition to everything else. You do have sort of a guardian angel to help you if you are having problems in regard to your health records. I say sort of because if you become involved in litigation over your medical records, this source cannot represent you in court. Each state has an Insurance Commissioner. He�s your �big brother� in a good sense. The National Association of Insurance Commissioners has a website, www.naic.org/state_contacts/sid_websites.htm that talks about the privacy laws in your state. Visit their site. Unfortunately, this arena is still like the Wild West in terms of legislation and privacy protection and the fact it is getting better is of little comfort to anyone whose privacy has been violated. If you don�t like the medical scenario as it exists, you just might wish to chat with your government representative, state and federal, and tell him/her to take a close look at reform in this area. And, because you have read this article, you are better armed than 95% of the American population. You now can begin taking steps to protect your medical privacy. ------------------------------------------------------------------------------------------

Title: Your Home Is Your Sanctuary Word Count: 618 Summary: Home is sanctuary. It is a place that conjures the powerful feeling of belongingness where rest and renewal happens. Here we expect tranquility and peace. We expect protection from the outside world we participate in. Keywords: home and family, home, recreation Article Body: Home is sanctuary. It is a place that conjures the powerful feeling of belongingness where rest and renewal happens. Here we expect tranquility and peace. We expect protection from the outside world we participate in. Thus, we invest our life-savings, our talents, ourselves to make it as relaxing, soothing and calming as possible. For others, home serves as a showcase of stature and success. It is where we entertain friends. It is an extension of one�s identity and an avenue to display one�s taste in design and art. Whatever the motivation is in investing or choosing a home to live in, we must be ready to face details upon details of considerations before making decisions that would usually cost us an arm and a leg. A small detail left out could mean huge, hard-earned money easily out the window. Fulfilling though it may be to set up our own home, we need guidance and lots of advice in the one thousand and one aspects we have to look into. The first consideration is, of course, actually getting a home. Shall you rent or buy? If you rent, what should you do first? How do you go about it? Who do you talk to? What do you talk about? What are the legalities? If you buy, how do you get the best deal? What is it you should know? Is there a tried and proven method of going about buying a home? What are the recommendations in buying a home in the U.K., or overseas? The next consideration is the aesthetics that make the home pleasant to be in. What kind of furniture would suit your lifestyle? What are the choices? What are the pros and cons? What is the in thing, the trends? What could make your home attractive? There are a lot of choices from gardens to awnings, to setting up water features like a small, attractive fountain or waterfall or even just an indoor or outdoor pond for that relaxing Zen effect. Undeniably, in the 21st century, another consideration is the advent of the internet and the personal computer (PC) as a permanent fixture in almost every home. The cocooning trend of working at home makes the choice of computer furnishings and lay-out a major factor. What are the choices and how do you go about it? Here, the issues are no longer limited to just the aesthetic. More important to consider are the issues on health and ergonomics. Of course, who would not agree that the use of space is another primary consideration? A special portion is devoted on possible uses of the loft to increase precious space in this shrinking world. Presented is a treasure of creative ideas considering both functionality and aesthetics. Equally important are the unseen aspects of home that if left unattended can cause much discomfort and a big hole in the pocket. These are the hidden details of plumbing, the sewage system as well as the new trend of underfloor heating. Moreover, the kitchen and bathroom considerations can very well determine not only one�s functionality but also your home�s resale value. We understand that setting up a home can be a daunting task. We have organized these details in a simple fashion so that they are less intimidating and somehow more manageable. We present to you tried and proven techniques as well as steps that are easy to follow. We acknowledge that the decisions you make in setting up your home are very crucial. They impact on costs, time, effort and quality of life. Your home could either be a great investment or a heavy burden. The information we offer could spell the big difference.

Title: You�re Retired, Now What? Word Count: 605 Summary: For years you�ve lived in that sprawling house where you raised your children . . . it�s home. But now you don�t need all the space and the upkeep is becoming more difficult every year. Keywords: retirement, retire, senior citizens, seniors, retiring, moving, real estate, apartments, assisted living, eldery care, senior care Article Body: For years you�ve lived in that sprawling house where you raised your children . . . it�s home. But now you don�t need all the space and the upkeep is becoming more difficult every year. You now have to consider things that weren�t issues before. When you were younger, you never thought about how many times a day you went up and down the stairs. You didn�t mind having the bedroom upstairs and the laundry facilities in the basement. Now, all those steps are taking their toll. Washing windows isn�t as easy as it was before either, is it? Climbing an extension ladder to reach the second story becomes a bit scarier with each passing year. As you age, you become more concerned about falling. You may be thinking it�s finally time to move into a home that�s a bit more senior-friendly, but what are your options? � Smaller, single level houses � Condominiums � Apartments � Retirement communities � Assisted living facilities Let�s take a more detailed look at these options: Smaller homes built on one level with convenient laundry facilities may be what you need. Look for a house that requires little outside maintenance. A brick or vinyl-sided house won�t require painting. An open floor plan may be helpful if you�re ever confined to a wheelchair. A smaller yard allows you to garden but still keeps the yard work to a minimum. An attached garage is a helpful feature, especially in the winter when icy sidewalks can cause falls. Of course, finding a location that�s close to shopping, public transportation and medical facilities is also important. Condominiums provide privacy without a lot of maintenance. Like individual houses, there are many different types of condominiums from which to choose. The main advantage of a condo is that outside maintenance of both the structure and the yard is usually provided. Most condos include a small area where you can plant flowers but the lawn and other common areas are maintained by the association. There are additional fees for this mandatory service so be sure to find out if they will fit into your budget. Apartments require no maintenance. One of the main advantages of apartment living is that you aren�t responsible for any maintenance. You don�t have to worry about painting, replacing major appliances or yard work. Apartments also give you a certain degree of freedom because you don�t have to worry about them if you travel a lot. It�s important for laundry facilities to be easily accessible and that there is an elevator if your apartment is to be on a higher floor. You won�t have as much privacy and your only personal outdoor space may be limited to a small patio or balcony, if that. Rent is likely to increase and is not tax deductible on your Federal returns. Retirement communities or assisted living facilities give you the highest level of security. Both of these options are specifically designed for seniors and offer many safety features not found in regular housing. The amount of privacy you have depends on which community you choose. Your medical condition will usually dictate whether a retirement community or assisted living facility is your best choice. Some retirement communities offer private living space, much like individual homes, as long as you�re healthy and then provides assisted living if your health deteriorates. Giving up the home where you�ve lived for many, many years may seem a little scary. But, often a new home that brings less responsibility and greater peace of mind will make you feel years younger.

Title: You�re in the Dog House? Lucky Thing! Word Count: 510 Summary: Dogs love being outdoors, I�ll tell you that for nothing. But when the weather is hot and you�re out sunbathing, their fur coat makes them too hot and they�ll search for somewhere cool and shady to lie down. Keywords: Dogs love being outdoors, I�ll tell you that for nothing. But when the weather is hot and you�re out sunbathing, their fur coat makes them too hot and they�ll search for somewhere cool and shady to li Article Body: Dogs love being outdoors, I�ll tell you that for nothing. But when the weather is hot and you�re out sunbathing, their fur coat makes them too hot and they�ll search for somewhere cool and shady to lie down. An outdoor dog house or �kennel� is the ideal place for a dog to cool down and relax when all that running around gets too much and not only that but they�re great for house training in the summer. Both owner and dog can relax in the garden and whenever the dog does his business, he is rewarded and learns from the experience. An effortless investment! Dog houses are typically wooden structures in the shape of small houses with a large entrance, and although there is a vast array of designs available for any canine, this stereotypical �snoopy� style dog house remains prevalent. Even ancient Egyptian nobility kept their dogs in kennels and they are still in a high level of production today. Some dog houses are designed to compliment their surroundings. For example, if you live in a log cabin style house then you can buy a log cabin style dog house to match! Dog houses are not limited to being a permanent structure. There has been a dramatic rise in plastic houses that can be collapsed and transported, including a pop-up doggy tent or an igloo style cabin with an external water bowl. The list is endless. In fact, there is almost no limit. Whatever the size, shape or need of your dog, there is guaranteed to be a kennel made of each material to fit the bill. However, wood is the most desirable material used in the crafting of dog houses due to its natural insulation, durability and availability. Red cedar wood is often used in making dog houses as its own resins protect the wood from precipitation damage (rotting and mould) and repel insects such as fleas, ticks and mites. Such structures are also often specially treated to give the wood extra protection against extreme elements for them to last longer. Also, cedar wood has low temperature conducting properties meaning that it doesn�t lose or gain heat easily and will keep a dog cool in the summer and warm in the winter. For the winter months, modern dog kennels can be insulated, particularly in the roof if it is peaked and some are fitted with a self-closing door to keep in the heat. Often these doors have an UV ray filter and are removable. Also, a kennel that is raised above the ground is further away from damp and insects so that a pet is kept dry and safe whatever the weather. Many houses are fitted with a porch and awning so that the pooch can relax whilst watching whatever is going on outside his kennel. Dogs adore the outdoors and they could explore for hours, but at the end of the day the little guys need their rest, and what better way to relax than in their own perfectly sized canine palace!

Title: You Have A Home Air Purification System But You Neglected Everything Else! Word Count: 899 Summary: Home air purification systems are being purchased by the millions. Many adults both with and without children are realizing that the one thing they can control in their home is the air they breath. Many have done their diligent studies or took it on recommendation that the air outside is harmful, but the air inside(up to 70 times more toxic)can be made cleaner by purchasing and installing some sort of unit that will help clean the air. And a good choice it was. Several un... Keywords: Air purifiers,toxins,health,children Article Body: Home air purification systems are being purchased by the millions. Many adults both with and without children are realizing that the one thing they can control in their home is the air they breath. Many have done their diligent studies or took it on recommendation that the air outside is harmful, but the air inside(up to 70 times more toxic)can be made cleaner by purchasing and installing some sort of unit that will help clean the air. And a good choice it was. Several units will filter out the dust, the dander from their pets, and some other particulate that is unseen. Some units can even filter out some of the toxins that float around us while we are in our home. And they work too. But did you know that these airborne toxins, once on the skin, can actually cause as much harm to you, your children and your pets, as it does to inhale them? Most people know this subconsciously, but they neglect to do anything about it. Most of the products that you bring into your home from the store to use for whatever purpose contain chemicals that over time can and will bring harm to you. Most of us think that these products could not be sold to us if this were true. Unfortunately, there is no requirements for testing these products and there is no requirement to even list everything they contain on the label (testing is done as we know, with animals, and many companies have found alternative testing methods. But there are a surprisingly high number of brand name companies that still do animal testing. That is a whole other discussion). I was surprised to learn that, because I live in a country that seems to regulate everything else, why not consumer and personal care products as well. There are countless examples you can take a look at from the products in your home right now. I�m sure you have seen them already. Look at your oven cleaning solution. Does it say anywhere on the container �danger�, �warning�, �poison�? Do the instructions indicate that you should use gloves when applying? How about to have good or adequate ventilation? Look at your floor cleaners, or window cleaners. Did you know that ammonia, which is a good cleaning agent found in window cleaners, can cause an irritated nose: maybe some slight breathing problems? And not to mention the injury you could sustain if you get it in your eyes. Long term, or repeated exposure could have an effect on the lungs, could cause pneumonia, cataracts, glaucoma, kidney damage, the list goes on. And that�s just ammonia. The recommendation when handling ammonia is to avoid skin contact (we are talking about pure ammonia here). Wear protective gloves and chemical-resistant clothing. The National Institute for Occupational Safety and Health (NIOSH) recommends wearing gloves made of Butyl, Teflon or Viton for up to 8 hours of exposure and Nitrile gloves for up to 4 hours of exposure. Keep clothing clean and free of oils and grease. Even diluted, does that give you cause enough to get rid of everything containing ammonia that YOU brought in? In the personal care section, I can tell you first hand that the products you use on your head, by and large contain chemicals that render bacteria sterile (they used to be able to kill the bacteria by adding formaldehyde to the mixture. This was done for many years but has since been changed). The ingredients in use today do not �kill� any bacteria that may have gotten into the mix: they make it so the bacteria cannot reproduce while it is sitting on the store shelf. Otherwise, you would be putting a significant amount of bacteria onto your scalp everyday and if you had a scratch or cut on your head or neck, you would get a serious infection. Unless a company uses a plant extract or herb, a chemical like this cannot be healthy. Man made phosphates and man made chemicals derived from petrochemicals located in your soaps, toothpaste, and deodorant also absorb through our skin and can cause immediate problems and problems over time. Stop and think about where you spend most of your time. How about your kids? Chronic conditions are more problematic in women because women do most of the cleaning in the home. They are exposed to these chemicals for more time, and over time. Pregnancies can be complicated and asthma in children can be traced back to the chemicals and chemical products we use everyday. What should you do? You started out by purchasing and installing a home air purifier. That is a start. Now, you really need to either get more education on the various hazards you continue to bring into your home and expose you and your family to, or, make the decision to change to products that are much safer to use. They may be hard to find, but don�t you think that you are taking a great risk just to save a couple of dollars for a product that is on sale or that you have used all of your life, therefore it must be good? Make the change. Start today. You are working hard for everything else in your life, now you need to make your life (your body) stop having to work so hard to save you.